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assumer wrote:I might be wrong but I seem to remember that the $2,000 coverdell contribution counts towards the gift tax exemption limit so be careful to fund $2k less in 529s for a given child if that's true.

Going to try to find sources now.

Thx. What is the annual limit on 529?

TD ameritrade also seems to offer coverdell. I just asked for forms ( you can't open online - not with TD at least )

Thank you very much again. Interesting you make comment about how good is my 401k option.

If I am not mistaken, I have optin to move my rollover inside my 401k account. Do you think I should explore that before making any rebalancing?

You have been awesome help!

...snip... In my case I'll probably hold for about 10 years minimum, hopefully for 20 years ( I really want to follow bogleheads philosophy of staying on course ). If I had invested say 50K, difference is a fee of $305 ( Vanguard ) vs, $225 ( Schwab ) in 10 years : - ) . So this is why I felt this ...

Thank you once again. I just put your suggestions in a spreadsheet: [img_resize=90:3drwt5sp]http://i49.tinypic.com/dphhn6.gif[/img_resize:3drwt5sp] Rollover IRA : 40% - 25% Fidelity Spartan US Bond Index (FBIDX/FSITX) <-- When combined with your Foreign Fixed Deposit, brings your fixed income to 40%...

Choice on 401k is basically wide open. My company allows for brokerage account from 401k. So, I am not restricted to use the funds offered in company's 401k choices. Some 401k plans have very good funds. For example, mine has an S&P500 index with an ER of .03; other folks have access to institu...

After a whole lot of research and consideration, I've gotten myself down to a choice of two funds, for the money coming out of a 0.1% interest-bearing savings account I recently closed. Anyone have any strong feelings regarding the difference between these two funds? It will be in a taxable investm...

Thanks!

My company 401k offers VTSGX. VTSGX: Vanguard Total Intl Stock Index Signal (VTSGX) Exp Ratio (Gross) - 0.18% Management Fee - 0.13% VGTSX : Vanguard Total Intl Stock Index Inv (VGTSX) Exp Ratio (Gross) - 0.22% Management Fee - 0.16% Looking purely expense ration, VTSGX is clear winner. This also ha...

Thank you jbran99. Brokerage Account ( Taxable ) : 17% - invested in USO ETF ( ER 0.45%) - Costco stock ( long term gains ) - amazon stock ( long term gains ) Retirement : Total : 60% Rollover IRA 40% Roth - His 9.5% (100% in BRK.B stock ) Roth - Her 1.5% ( cash ) 401k 9% ( PIMCO Total Return Fund I...

After a whole lot of research and consideration, I've gotten myself down to a choice of two funds, for the money coming out of a 0.1% interest-bearing savings account I recently closed. Anyone have any strong feelings regarding the difference between these two funds? It will be in a taxable investm...

Thank you jbran99. Made few edits to the first post, especially adding more details to our current portfolio and explaining the foreign FD. More specific response to other questions .. Given your ages, this is slightly conservative for your ages, but AA is a very personal decision and you do hint in...

Glossary of tickers: I have seen some members asking for ticker description, so including the ones I have referred in my portfolio: SCHB, Schwab U S Broad Market ETF SCHF, Schwab International Equity ETF SCHH, Schwab US REIT ETF (SCHH) SCHZ, Schwab U.S. Aggregate Bond ETF (SCHZ) LTPZ, PIMCO 15+ Year...

Many thanks in advance for reviewing the following portfolio. Edits to cover comments from "jbran99" (thank you jbran99) Profile : Emergency funds - set aside for 6 months expenses Debt : Mortgage, paying 4.75% interest rate, soon refinancing to 3.25% . No other debt Tax filing status : Ma...

Thank you so much!

I am in the process of identifying asset allocation for 2013 and fortunately ran into bogleheads few days back. Reading through the asset allocation section of the wiki ( http://www.bogleheads.org/wiki/Asset_Allocation ) - I understand the importance of stock/bond split. However, I don't see much re...

That's about it, which adds up to $31,752.28. Does this mean I could have contributed another $18,247.72? Is it too late to do that? As dickenjb says, your limits are defined by your employer plans (and the Roth IRA). The idea is that there are more ways to compensate employees than you can shake a...

Newbie here and apologies if this sounds naive. Questions are always welcome. The hardest questions to answer are those not asked. What you say is accurate, but the IRS looks at everything. There's more to it than your 401k. Take a look at livesoft's link from earlier in the thread. In human readab...

This year I was in a position (and made a point) to maximize pre-tax, after-tax and employer contributions up to the 401K total contribution limit (50K). Newbie here and apologies if this sounds naive. IRS says "The limit is $17,000 for 2012 and $17,500 for 2013." How is your contribution...

Any suggestions for an iPad app for personal finance mgmt? I downloaded mint, but deleted it once it started asking for account details. I'd prefer something closer to spreadsheet where I enter and maintain financial data as opposed to providing access to all the accounts.

There may be other options. Do you have assets in a taxable account? Use them to pay off the loan. Do you have equity in your current home? Borrow against it and pay off the loan. I am in bit of a similar situation - I do have equity line of credit and I am quoted 3.25 % ( my current interest rate ...

If you are definitely past the point of deciding whether or not to hold on to the property (i.e., you are holding on to it regardless of this discussion) ... - if you are planning to buy a house in the next year or so, I suggest that you do not pay off the mortgage. - if you are not planning to buy...

I am trying to make a decision on paying off a mortgage on my investment property. Could use guidelines on tax implications. I lived in this property and recently had to relocate and thus started renting out this place. I get $1500 per month as rent. My mortgage is about $1150 on this property ( inc...