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Re: Tract Home - Things to Watch During Construction

If you can get to the site often enough, take pictures, especially before the drywall goes up. It can be very useful to know where electrical, plumbing, ductwork, and studs are later on. This. It's not only very useful to you but if you put the pictures in a scrapbook or something it'll be useful t...
by Duckie
Wed Aug 20, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: Tract Home - Things to Watch During Construction
Replies: 54
Views: 2676

Re: Newbie Seeking Portfolio Guidance

dczarniawski , welcome to the forum. New annual Contributions $5500 his IRA $5500 her Roth IRA $4200 taxable Contribute to Her TSP instead of taxable. Available funds None (although I’m unclear as to what is being asked here) It means what options are available in your employer plans. Since the TSP...
by Duckie
Wed Aug 20, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Seeking Portfolio Guidance
Replies: 5
Views: 368

Re: Retirement Investment Help

goffja2000 , welcome to the forum. You have an AA of 65% stocks, 35% bonds, with 15% of stocks in international. That breaks down to 55% US stocks 10% international stocks, and 35% bonds. Here is a much simpler retirement portfolio: Taxable at Fidelity -- 15% 5% ( FSTVX ) Spartan Total Market Index...
by Duckie
Tue Aug 19, 2014 11:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Investment Help
Replies: 2
Views: 328

Re: Help with solo 401k

Vanguard solo 401K will allow rollover from other 401Ks and 403bs, But will NOT allow rollover from IRAs. Is that correct ? If you go to the Vanguard Individual 401(k) page and on the right side click on "download an Individual 401(k) kit for employers", under section 3.07 Rollover Contri...
by Duckie
Mon Aug 18, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with solo 401k
Replies: 15
Views: 956

Re: Help with 401k fund allocation

prn27 , you have an AA of 85% stocks, 15% bonds, with unknown international. I'll recommend 30% of stocks in international. That breaks down to 60% US stocks, 25% international stocks, and 15% bonds. Here is what you could have: 401k -- $7K -- 100% 48% ( N/A ) NT Collective S&P 500 Index Fund (...
by Duckie
Mon Aug 18, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k fund allocation
Replies: 7
Views: 471

Re: Increasing Bond Holdings/International Equities

aszend wrote:401(k)
10% BlackRock S&P 500 Stock Fund I (BSPIX) - 0.12%
<snip>
BLACKROCK S&P 500 STOCK FUND I 04/11/2013 0.24% 4.56% 0.92%

Which is it? 0.12% or 0.24%?
by Duckie
Mon Aug 18, 2014 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Increasing Bond Holdings/International Equities
Replies: 7
Views: 798

Re: Resigning- what to do with CALPERS And 457 (small money)

What do you think i should do with this money upon leaving? You can roll both the CalPERS and 457 monies to a Rollover IRA at Vanguard, Fidelity or some other custodian. At that point you could choose to convert them to a Roth IRA and pay the taxes. Or you could roll them to your TSP. Or in the cas...
by Duckie
Mon Aug 18, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Resigning- what to do with CALPERS And 457 (small money)
Replies: 5
Views: 516

Re: Help with Parents Portfolio

Any thoughts on an international bond fund? I was thinking of dedicating the Bonds 80/20 between Domestic./Intl. <snip> His Rollover IRA at Vanguard -- $480K -- 67% 16.71% ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.05%) 40% ( VBTLX ) Vanguard Total Bond Market Index Fund Adm...
by Duckie
Mon Aug 18, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Parents Portfolio
Replies: 8
Views: 817

Re: Clergy Retirement Investing: 403(b) vs. Roth IRA

If so, given the funds available to me, is this the place to ask for opinions about asset allocation or at very least general approach to it. I have read the Bogleheads Guide to Investing, so I'm intuiting that I'll likely invest in some combination of the Vanguard Funds because of their super low ...
by Duckie
Sun Aug 17, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Clergy Retirement Investing: 403(b) vs. Roth IRA
Replies: 16
Views: 1302

Re: Asset Allocation 50 yr old couple too much taxable cash.

BOKEH , the best options in a taxable account for retirement purposes are: ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.05%) ( VTIAX ) Vanguard Total International Stock Index Fund Admiral Shares (0.14%) Allows you to take advantage of the 
 Foreign tax credit . ( VWITX ) Vang...
by Duckie
Sun Aug 17, 2014 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation 50 yr old couple too much taxable cash.
Replies: 9
Views: 721

Re: Helping My Sister Invest for the Long Term.

She is 26, and intends to work for a long while. So her retirement horizon is 30+ years off. I still prefer 20% bonds but anywhere from 10-20% is reasonable. I know I still have a ton to learn, so I am curious what makes you feel that is a good fund? The American Funds EuroPacific Growth Fund is a ...
by Duckie
Sun Aug 17, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Sister Invest for the Long Term.
Replies: 6
Views: 937

Re: Help with Parents Portfolio

MDisciple87 , welcome to the forum. You want an AA of 30% stocks, 70% bonds, with 36% of stocks in international. That breaks down to 19% US stocks, 11% international stocks, and 70% bonds. Here is a possible retirement portfolio: Taxable at Vanguard -- $95K -- 13% 2% ( VTSAX ) Vanguard Total Stock...
by Duckie
Sat Aug 16, 2014 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Parents Portfolio
Replies: 8
Views: 817

Re: Helping My Sister Invest for the Long Term.

CJF , welcome to the forum. My overall suggestion would be, to make it short and sweet: Invest in only the FID US EQ INDX and VANG INFL PROT INST for her 401k. I agree. The American Funds EuroPacific Growth Fund is a good international fund but it can be ignored since she'll be putting internationa...
by Duckie
Fri Aug 15, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Sister Invest for the Long Term.
Replies: 6
Views: 937

Re: Going from W-2 to 1099

Spirit Rider wrote:
DireWolf wrote:Does anyone know if Vanguard has a solo 401k program?

Yes, Vanguard has a Solo 401k. However, they do not allow rollovers.

Vanguard's Individual 401k does not allow incoming rollovers from IRAs but it does allow them from qualified plans (401k, 403b, etc.).
by Duckie
Thu Aug 14, 2014 9:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going from W-2 to 1099
Replies: 27
Views: 1775

Re: Weekend in Tucson - Kids' Birthday

camper wrote:For dinner have the Cowboy at Pinnacle Peak Steakhouse.
***By the way...have someone in your party wear their best tie to dinner.

Meanie. No Ties Allowed.
by Duckie
Thu Aug 14, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Weekend in Tucson - Kids' Birthday
Replies: 19
Views: 838

Re: IRAs or Solo 401k with 1099 Income

movingstars , welcome to the forum. If we invest in an investment that pays out earnings as 1099 income, how does that affect the IRA or Solo 401k? In other words, does it mean the IRA or Solo 401k earned the 1099 income and that taxes on that income is deferred till it is withdrawn? It depends on ...
by Duckie
Thu Aug 14, 2014 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRAs or Solo 401k with 1099 Income
Replies: 2
Views: 193

Re: How does my revamped AA strategy look?

Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 30% of stocks The ultimate goal is for an AA of the following funds: ⋅ 50% in Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ⋅ 30% in Vanguard Total International Stock Index Fund A...
by Duckie
Wed Aug 13, 2014 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does my revamped AA strategy look?
Replies: 8
Views: 607

Re: First Timer

If we're ballparking, lets say that out of every commission check I can throw 1k into either my savings account or whatever seems like a good idea to have the money growing in the best way possible while also keeping it liquid? You can contribute $12K to $15K per year but there is an upcoming car, ...
by Duckie
Tue Aug 12, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1952

Re: First Timer

BBGC , you have four low-cost funds in your 401k plan: ⋅ ( N/A ) Northern Trust S&P 500 Index Fund (0.02%) Excellent large-cap stock fund. ⋅ (N/A) Pyramis Select International Plus Fund (0.06%) Either a developed markets fund or developed plus emerging markets. I can't find ...
by Duckie
Tue Aug 12, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1952

Re: Thinking of signing up with Vanguard this week...

I contribute to my 401k at 15%, which doesn't max out the yearly contribution limit. All of my 401k assets are currently in a Vanguard Target Retirement 2050 fund. 2050 has an AA of 90/10. Is that your retirement AA? I currently have $8K for my e-fund (eight months of expenses), and was looking to ...
by Duckie
Mon Aug 11, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking of signing up with Vanguard this week...
Replies: 3
Views: 483

Re: Newly Minted Bogglehead - Many Question

NoLoadFTW , welcome to the forum. Emergency funds: < $5,000. However, we maintain a $50,000 HELOC with a $0 balance to cover emergencies (and short-term financing for new rental properties). I'd increase this. You can't depend on the HELOC to be there if you need it. They can be cancelled. New annu...
by Duckie
Mon Aug 11, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newly Minted Boglehead - Several Questions.
Replies: 8
Views: 1078

Re: First Timer

BBGC , welcome to the forum. Do you have any debt? Besides your six-month emergency fund you need to set up a short-term-needs fund for future planned expenses (new car, house down-payment, grad school, etc). These monies, including your emergency fund, should be in a mix of savings accounts, CDs, ...
by Duckie
Sun Aug 10, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Timer
Replies: 23
Views: 1952

Re: Any suggestions/feedback is appreciated

In appears that I am filing a Schedule C but no where has anyone ever done a Schedule SE for me, is this something I should be asking about and something that needs to get done? If you have self-employment income and file Schedule C you should also be filing Schedule SE for the social security/medi...
by Duckie
Sat Aug 09, 2014 7:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any suggestions/feedback is appreciated
Replies: 19
Views: 1073

Re: Ready to make up for lost time, need guidance, new to th

I guess I meant transferring the TIRA over to my employer's company and either 1) rolling it into the 403b if all the expenses seem to be within reason 2) Just keeping it with the new company as an IRA and keep the same American funds But since I guess there would be more expense with option 2, it ...
by Duckie
Sat Aug 09, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready to make up for lost time, need guidance, new to this
Replies: 33
Views: 3310

Re: Ready to make up for lost time, need guidance, new to th

It looks like you just whittled things down to 3 in stead of the four funds, which seems fine. I also know that I'll pay $15/fund for annual account service fee for each fund at Vanguard. I got this from Vanguard site. I remember the advisor saying $30, so maybe they tack an extra $15 on top of tha...
by Duckie
Sat Aug 09, 2014 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready to make up for lost time, need guidance, new to this
Replies: 33
Views: 3310

Re: Any suggestions/feedback is appreciated

Yes it looks like we have the option of a 403b as well as a deferred compensation (IRS Section 457). Our options for the 403b plan look like they are through these investment providers http://www.tsacg.com/individual/plan-sponsor/south-dakota/sioux-falls-school-district-49-5/. That's good. She can ...
by Duckie
Sat Aug 09, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any suggestions/feedback is appreciated
Replies: 19
Views: 1073

Re: Ready to make up for lost time, need guidance, new to th

Well, I went to the brochure given to me by the company and found this link to info about their Direct Service, where I could select and manage funds myself. It does say there is a fee but it doesn't say how much. https://pdfs.planmember.com/PDFs/PMPARTNERS_SALESandMARKETING/FloridaModelPlan/PartFa...
by Duckie
Fri Aug 08, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready to make up for lost time, need guidance, new to this
Replies: 33
Views: 3310

Re: Any suggestions/feedback is appreciated

jp81024 , welcome to the forum. $9000 car loan at 0% You have $81K in cash. Pay this off before the 0% becomes something else. Desired Asset allocation: No sure but am thinking 75% stocks / 25% bonds to start Desired International allocation: Not sure but am thinking 40% of stocks Reasonable for yo...
by Duckie
Fri Aug 08, 2014 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any suggestions/feedback is appreciated
Replies: 19
Views: 1073

Re: Morningstar stock stats

Use the Investopedia dictionary to looks these up. For example:
Return On Equity (ROE)
by Duckie
Fri Aug 08, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Morningstar stock stats
Replies: 1
Views: 262

Re: Start all over at 63 years of age?

When folks say "keep x years' worth of expenses in cash, CDs etc" how do you count expenses? <snip> So are their "expenses" in this context the $20,000 they take from their taxable account each year, or $100,000 they spend each year? The $20K not already covered by their income ...
by Duckie
Fri Aug 08, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Start all over at 63 years of age?
Replies: 23
Views: 4131

Re: Who or what inspired you and your investing approach?

How to Buy Stocks by Louis Engel. Was that a sort of expansion of the full-page "print infomercials" Merrill Lynch used to run in the newspapers? A lot of basic nuts-and-bolts about how you place an order, so you wouldn't feel intimidated by the mysterious nature of the process... Not exa...
by Duckie
Fri Aug 08, 2014 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4276

Re: How do you address your inlaws and being addressed?

I managed to avoid the issue for the first couple of years. After that I was more comfortable and called them by their first names.
by Duckie
Fri Aug 08, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: How do you address your inlaws and being addressed?
Replies: 84
Views: 4712

Re: Ready to make up for lost time, need guidance, new to th

If Life Strategy is available, and you think it would work, then this is probably the best option for me. Other than the ER's which are already posted on Vanguard, I don't think there would be any other fees, but I'll ask. You need to check the expense ratios in your specific 403b plan. You can't g...
by Duckie
Fri Aug 08, 2014 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready to make up for lost time, need guidance, new to this
Replies: 33
Views: 3310

Re: Tricky Tax: Backdoor Roth + Simple IRA

craiggsean wrote:I wonder if Schwab's individual 401K allows rollover's since i already have an account with them.

Here is an article by EmergDoc on his The White Coat Investor site about various solo 401k plans. It looks like Schwab does not allow incoming IRA rollovers.
by Duckie
Fri Aug 08, 2014 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tricky Tax: Backdoor Roth + Simple IRA
Replies: 14
Views: 1042

Re: Tricky Tax: Backdoor Roth + Simple IRA

Vanguard's solo 401k does not allow incoming rollovers from IRAs. Fidelity's does. If you're trying to get rid of the SIMPLE IRA so you can easily use the Backdoor Roth IRA method using Vanguard won't work.
by Duckie
Thu Aug 07, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tricky Tax: Backdoor Roth + Simple IRA
Replies: 14
Views: 1042

Re: Ready to make up for lost time, need guidance, new to th

I can do self-directed option right away and pay no fees at all, (other than ERs associated with Vanguard funds themselves) OR I could start off by paying 2% on what I contribute and then in a year, when I feel more confident, go self directed. Use the self-directed option right away. There's no ne...
by Duckie
Thu Aug 07, 2014 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready to make up for lost time, need guidance, new to this
Replies: 33
Views: 3310

Re: Fidelity makes Advantage funds hard to find??

Or you could use the Browse Funds link. It's alphabetical and all the Advantage Class funds are in the S section under Spartan.
by Duckie
Thu Aug 07, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity makes Advantage funds hard to find??
Replies: 5
Views: 482

Re: Intro and portfolio questions

nscherneck , welcome to the forum. 1. I'm considering purchasing a home in the next five years and am dumping my savings for the down payment into my taxable investment account. Is this the right place for those funds? Will I run into issues when it's time to shell out that down payment? Money need...
by Duckie
Wed Aug 06, 2014 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Intro and portfolio questions
Replies: 1
Views: 173

Re: Current Roth IRA + new taxable funds

I could definitely adjust my desired AA down to 80/20 or even 90/10 (what our AA is at currently) but was reading up on the Three fund lazy portfolio and we like Bill Schultheis' Three-fund portfolio which seems straightforward and well, lazy. :D I'm definitely more open to risk though. I personall...
by Duckie
Mon Aug 04, 2014 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Current Roth IRA + new taxable funds
Replies: 3
Views: 419

Re: Current Roth IRA + new taxable funds

Wolfsburg , welcome to the forum. Desired International allocation: 50% of stocks 50% of stocks in international is a little high. Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the discussion and the Vanguard paper link . Vanguard splits the...
by Duckie
Sun Aug 03, 2014 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Current Roth IRA + new taxable funds
Replies: 3
Views: 419

Re: Solo 401K Questions

sbefort , welcome to the forum. I am not an expert on this so I hope others chime in. 1) Let's say I earn $160,00 this year. I plan to contribute $17,500 on the employEE side and about $32,500 on the employER side. Should I write a personal check to Fidelity for the $17,500 contribution and write a...
by Duckie
Sat Aug 02, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401K Questions
Replies: 10
Views: 864

Re: Solo 401k Providers for a Reverse Rollover

yezzan , welcome to the forum. Does anyone have experience with providers that will allow a reverse rollover into a Solo 401k? Fidelity has a Self-Employed 401k Plan that allows for incoming rollovers from IRAs (both your rollover IRA and SEP IRA). Fidelity also has very inexpensive Spartan index f...
by Duckie
Sat Aug 02, 2014 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Solo 401k Providers for a Reverse Rollover
Replies: 1
Views: 219

Re: Help a beginner

I have two paycheck deductions listed as Fed OASDI/EE and Fed Med/EE which I understand to be Social Security payments. Fed OASDI/EE stands for Old Age Survivors and Disability Insurance Employee share. This is Social Security. Fed MED/EE stands for Federal Medicare/Employer-Employee. This is Medic...
by Duckie
Mon Jul 28, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help a beginner
Replies: 9
Views: 953

Re: $250K reporting question for multiple Solo 401k plans

It does not matter if the EIN differs. It's still a controlled group with you owning 100% of each business, so the $250K is aggregated. Yeah, that's how I took it. Thanks for all the detailed information. NOTE: Since the self-employed is by definition both employee and employer, this would be a con...
by Duckie
Sun Jul 27, 2014 4:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: $250K reporting question for multiple Solo 401k plans
Replies: 7
Views: 804

Re: $250K reporting question for multiple Solo 401k plans

Spirit Rider wrote:If the total of all your plans is $260K, you must file a Form 5500-EZ for each plan using that employer's EIN.

That answers the question. Thanks.
by Duckie
Sat Jul 26, 2014 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: $250K reporting question for multiple Solo 401k plans
Replies: 7
Views: 804

$250K reporting question for multiple Solo 401k plans

If a person has more than one type of self-employment and therefor has more than one solo 401k does the $250K reporting requirement apply for each account separately or are they combined? If one account has $180K and the other $80K that's $260K. Do they aggregate? Does it matter if the EIN is differ...
by Duckie
Fri Jul 25, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: $250K reporting question for multiple Solo 401k plans
Replies: 7
Views: 804

Re: Rebalancing 401k in a Sane Way

EhMerman , welcome to the forum. You have a desired AA of 80% stocks, 20% bonds, with 33% of stocks in international. That breaks down to 54% US stocks, 26% international stocks, and 20% bonds. Here is a possible retirement portfolio: Taxable at Vanguard -- 47% 21% ( VTI ) Vanguard Total Stock Mark...
by Duckie
Fri Jul 25, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing 401k in a Sane Way
Replies: 6
Views: 678

Re: New investor wondering how best to use a windfall

neuro84, her debts are $13,900 (pay the family member!) and his highest cost debt is $92,600. They total $106,500. If you pay that it wipes out a bunch of debt and still leaves an emergency fund. That's what I'd do.
by Duckie
Thu Jul 24, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: New investor wondering how best to use a windfall
Replies: 9
Views: 570

Re: portfolio questions - AA over multiple accounts

Current retirement assets Taxable 10K (100%) - Vanguard Total Stock Market Vanguard Retirement Fund (After Tax): 10K Unless "After Tax" means that account is part of the 401k plan, these two accounts both fall under the "Taxable" category. If they are both for retirement I don't...
by Duckie
Thu Jul 24, 2014 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio questions - AA over multiple accounts
Replies: 4
Views: 640
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