Search found 192 matches

by Sublime8700
Thu Jun 18, 2015 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Betterment thoughts?
Replies: 5
Views: 964

Betterment thoughts?

Does anyone have any experience with www.betterment.com ?

Seems to be boglehead-ish with low costs, Tax loss harvesting, and rebalancing.

Curious what people think...
by Sublime8700
Tue Apr 07, 2015 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

BTW is there any good way to get your FICO score without spending $50 on Experian?
by Sublime8700
Tue Apr 07, 2015 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

So I paid everything off early and now it appears experian and transunion are ~ 750 but equifax is still 630 which I suspect is due to slow reporting...

Thanks for the pointer to credit karma!
by Sublime8700
Tue Mar 17, 2015 4:00 am
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

I'm going to do an experiment and (have already) paid everything down to $0.

I now have 2 late payments of trivial amounts in 8 years and nothing else on my report.

Anyone want to hazard a guess at where I'll be in 60 days presuming it stays this way?
by Sublime8700
Tue Mar 17, 2015 3:53 am
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

The OP is wasting his and everyone else's time. There has to be something going on here that will show up on his credit reports. Get the %$#@ reports. By the way, unless the OP has giant megabucks, that is an incredible amount of credit to have available, imho. I re-re-reviewed my credit report tod...
by Sublime8700
Mon Mar 16, 2015 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

Blah - but I thought I wasn't supposed to check my credit score more than once a year ("hard pull") and I did it a month ago and it said 650 :(
by Sublime8700
Mon Mar 16, 2015 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

Thanks for all the help guys. I think the big question is what's up with the 100 point drop. Not that I was 650 before.
by Sublime8700
Mon Mar 16, 2015 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

DSInvestor wrote:You may have zero balance on the 130K of credit that you know of. What if there were things that you're not aware of? Pull your credit reports just in case.


Fair enough. But the $130,000 was from the Credit Reports I pulled...
by Sublime8700
Mon Mar 16, 2015 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

(My only sin would be applying for (and getting approved for - in the past) rewards credit cards.)

The only reason this bothers me is because suddenly I can't get approved for any credit card -- for no reason.
by Sublime8700
Mon Mar 16, 2015 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

Guys - I suppose I have $130,000 or so of revolving credit from a few credit cards with $35k limits. The only reason I am even remotely close to using $30,000 etc. is because I have a lawyer that takes credit cards. I have never, ever carried a balance. I may have, at some point in the last 8 years,...
by Sublime8700
Mon Mar 16, 2015 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

OK. I have to ask: what's fair Isaac? :)
by Sublime8700
Mon Mar 16, 2015 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

I was at 30% (I thought this was low).

I'm now at 0%.

In 1-2 month I should experience a significant bounce it seems. I was under the wrong impressions about what "high" was -- I thought I was actually building credit by building balances and paying them down without fail (in full). Oops.
by Sublime8700
Mon Mar 16, 2015 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

Does it bounce right back up if I pay everything off (even early) and so there is 0%-5% utilization out of $150,000 or whatever?
by Sublime8700
Mon Mar 16, 2015 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

One of the payments was for $100.

The other one was paid immediately once the bank was changed.

Is that really going to tank an 8 year perfect history? (realistically -- am I naive?)
by Sublime8700
Mon Mar 16, 2015 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Re: Credit Report Very Low For No Reason? Fixing it?

What will it tell me?

And is there any validity to the services that offer to "clean up" your credit score (I don't know why mine isn't clean!)
by Sublime8700
Mon Mar 16, 2015 5:04 am
Forum: Investing - Help with Personal Investments
Topic: Credit Report Very Low For No Reason? Fixing it?
Replies: 60
Views: 3823

Credit Report Very Low For No Reason? Fixing it?

Hi - About a month ago I pulled my credit report for the first time for a lease. I have about $150,000 of credit and only about 20% was used (it was pending auto-payment so it wasn't late). There were 2 late payments in 8 years (likely owing to not setting up auto-payment correctly) and no collectio...
by Sublime8700
Fri Mar 06, 2015 10:17 am
Forum: Investing - Help with Personal Investments
Topic: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax
Replies: 17
Views: 2067

Re: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax

So in California in the highest tax bracket.... this would make sense instead of TSM....
by Sublime8700
Fri Mar 06, 2015 2:06 am
Forum: Investing - Help with Personal Investments
Topic: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax
Replies: 17
Views: 2067

Re: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax

As an aside: reading about the Tax Managed Capital Appreciation fund it sounds like it's not all that different from the TSM besides it's more weighted towards mid caps than large caps. The volatility would be greater but it would go up when stocks were up and down when stocks were down more or less...
by Sublime8700
Fri Mar 06, 2015 2:02 am
Forum: Investing - Help with Personal Investments
Topic: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax
Replies: 17
Views: 2067

Re: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax

Seems like for ease and peace of mind because I have other things to do with my life than fret over investments and tax consequences when I don't know much and there are simple solutions... Putting it in the TSM would be a fine decision. It would probably make sense to take the tax advantages and di...
by Sublime8700
Thu Mar 05, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax
Replies: 17
Views: 2067

Re: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax

I thought I should be avoiding dividends and Cap Gains will be whatever the are in 20 years... but at least they won't get taxed annually as ordinary (dividend) income?

Or do I have it wrong?
by Sublime8700
Thu Mar 05, 2015 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax
Replies: 17
Views: 2067

Re: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax

Is my thinking correct in trying to avoid dividends here?

Seems there are ample solutions.
by Sublime8700
Thu Mar 05, 2015 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: $60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax
Replies: 17
Views: 2067

$60,000 for 2 Year Old - Where to Invest Re: Kiddie Tax

I'm lucky enough to have a 2 year old son who has been given about $60,000 by various parties. He has a 529 I set up years go. The money is currently sitting in a bank account. I'd like to invest it in a taxable account for him in stocks. Mindful of the "Kiddie Tax" rule, it seems I won't ...
by Sublime8700
Wed Jan 21, 2015 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Defined Cash benefit plan/Sep Ira
Replies: 8
Views: 579

Re: Defined Cash benefit plan/Sep Ira

Is that for any amount of contributions? Let's say someone was able to contribute $200,000 a year?
by Sublime8700
Sun Jan 18, 2015 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Defined Cash benefit plan/Sep Ira
Replies: 8
Views: 579

Re: Defined Cash benefit plan/Sep Ira

I've never really heard of this and did a bit of research but it seemed like it was geared towards older people. If one was a 30 year old with maxed-out sep-IRAs each year (but was an entrepreneur and didn't get a salary or work for a company) but could make large annual contributions, would this ma...
by Sublime8700
Wed Dec 17, 2014 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities and Legal Settlements
Replies: 17
Views: 1549

Re: Annuities and Legal Settlements

This is actually quite an interesting and not straightforward question. The two main issues are constructive receipt (I can't have that) and economic gain (I can have that). I have had three accountants review the matter and two said they were not sure and one said he thought it worked. I also had t...
by Sublime8700
Tue Dec 09, 2014 2:33 am
Forum: Investing - Help with Personal Investments
Topic: Annuities and Legal Settlements
Replies: 17
Views: 1549

Re: Annuities and Legal Settlements

I have had my CPA, a US Tax Lawyer, and a U.K Trusts lawyer look at the issue. None have raised the slightest concerns about the legality. Perhaps it's not entirely clear but the idea is that I would not have constructive receipt of the funds. I wouldn't even be getting an annuity. An annuity would ...
by Sublime8700
Mon Dec 08, 2014 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Annuities and Legal Settlements
Replies: 17
Views: 1549

Re: Annuities and Legal Settlements

FYI:

Here's a link to the tax brackets:

http://bit.ly/1zibMaW
by Sublime8700
Mon Dec 08, 2014 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Annuities and Legal Settlements
Replies: 17
Views: 1549

Re: Annuities and Legal Settlements

The other factor to consider would be state taxes. I currently live outside the US and don't pay state taxes. That will change. Or might. I could move to Florida -- or I could move to New York. That's a huge difference. It seems that a variable annuity would provide some investment options so that t...
by Sublime8700
Mon Dec 08, 2014 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Annuities and Legal Settlements
Replies: 17
Views: 1549

Re: Annuities and Legal Settlements

The options would be: 1) A trust (or escrow) effectively 2) Having the company pay me over years 3) An annuity 4) Taking a huge tax bill on the chin I don't really know anything about annuities. Wouldn't a Vanguard Annuity be a decent option? I looked for a bit and seemed there were tons of differen...
by Sublime8700
Sun Dec 07, 2014 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities and Legal Settlements
Replies: 17
Views: 1549

Annuities and Legal Settlements

Imagine the following: - You are a U.S Citizen that is in the highest tax bracket but expects that to not be the case in the future. - You are negotiating a legal settlement for (let's say $1,000,000) - The company and potential sum is located in Europe and you have no access to it - You would like ...
by Sublime8700
Thu Nov 20, 2014 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Ordering Common Sense Investing in Other Languages
Replies: 0
Views: 171

Ordering Common Sense Investing in Other Languages

Hi All --

For the holidays, I would like to get Jack Bogle's The Little Book of Common Sense investing -- but I'd like to get it in Hungarian.

Anyone have any ideas?

Thanks!
by Sublime8700
Mon Jul 07, 2014 11:25 am
Forum: Personal Finance (Not Investing)
Topic: windfall legal settlement - tax treatment?
Replies: 13
Views: 1859

Re: windfall legal settlement - tax treatment?

Sorry, I just the right terms would be:

1) settlement (privately agreed by the parties to pay to make a deal one party didn't like end)

2) judgement (handed down by the court concerning damages for income lost as a result of improper breach)
by Sublime8700
Mon Jul 07, 2014 11:21 am
Forum: Personal Finance (Not Investing)
Topic: windfall legal settlement - tax treatment?
Replies: 13
Views: 1859

Re: windfall legal settlement - tax treatment?

The settlement would be business related. It would be for "damages" for a company terminating a contract without cause, and the damages would be for whatever the court decides would "make me whole" for the act of taking away the contract without any reason. I don't know where tha...
by Sublime8700
Thu Jul 03, 2014 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: windfall legal settlement - tax treatment?
Replies: 13
Views: 1859

Re: windfall legal settlement - tax treatment?

I'm really not sure I understand the Pain and Suffering joke.

I assume you just mean I'm going to get taxed and there's no good way around it? Or something else.
by Sublime8700
Wed Jul 02, 2014 10:45 pm
Forum: Personal Finance (Not Investing)
Topic: windfall legal settlement - tax treatment?
Replies: 13
Views: 1859

windfall legal settlement - tax treatment?

Let's say believed you were likely to receive a windfall legal settlement. For the purposes of discussion: Scenario 1: Let's assume the settlement was some combination of past owed debt that had not been taxed in the previous tax year due to uncertainty regarding the amount and being on extension. S...
by Sublime8700
Fri Apr 11, 2014 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Making a Will (Young Couple)
Replies: 16
Views: 1539

Re: Making a Will (Young Couple)

Any good links on the forum? I'd love to read them.

Was thinking specifically about online services people really like.

The wisdom is invaluable.
by Sublime8700
Fri Apr 11, 2014 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Making a Will (Young Couple)
Replies: 16
Views: 1539

Making a Will (Young Couple)

My wife and I are around 30. We have some money, and a 6-month old son.

We'd like to make a simple will. We would rather not involve lawyers.

Anyone have good suggestions/experiences/cautionary tales?

Thank you.
by Sublime8700
Sun Jan 05, 2014 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Saving more than Sep IRA
Replies: 15
Views: 810

Re: Saving more than Sep IRA

Hm, anyone else? I wouldn't think so either but I read it in an old thread so I was curious.
by Sublime8700
Sun Jan 05, 2014 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Saving more than Sep IRA
Replies: 15
Views: 810

Saving more than Sep IRA

In an old bogleheads thread I read this: "If you're maxing out a SEP-IRA and want to save more, you can open a Solo 401k (free at Vanguard or Fidelity) and save another $17K tax deferred. The 20% employer contribution is the same in both accounts, but in the 401k you also get the employee flat ...
by Sublime8700
Sat Dec 21, 2013 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: wife and I have baby son! gifting!
Replies: 7
Views: 613

Re: wife and I have baby son! gifting!

shockingly, I never understood the following: Your first dollar is taxed at one rate, your XXXth dollar is taxed at a higher rate, your YYYth dollar is taxed at a still higher rate, etc. That's how your own income is taxed. If you are in the 25% bracket, you don't pay 25% on all your income, just th...
by Sublime8700
Sat Dec 21, 2013 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: wife and I have baby son! gifting!
Replies: 7
Views: 613

Re: wife and I have baby son! gifting!

so more or less as I understand it if he received the gift and then sold it at age 2 with no other income he would be in the lowest tax bracket. I suppose that's 10% - I didn't know. So instead of my parents paying 20% cap gains when they sold, he would end up (if he sold) paying 10%. And of course ...
by Sublime8700
Sat Dec 21, 2013 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: wife and I have baby son! gifting!
Replies: 7
Views: 613

wife and I have baby son! gifting!

So my wife and I are each going to gift $14,000 to our son this year. Eventually it will go into a 529. My question is: my parents (his grand-parents) are well-off but had a poor year of "earned income" but a fantastic year of investment income. Actually a fantastic many years. I would spe...
by Sublime8700
Thu Dec 12, 2013 1:04 am
Forum: Investing - Help with Personal Investments
Topic: end of the year. do not forget list?
Replies: 5
Views: 862

end of the year. do not forget list?

It's the end of the year. What are the common things that bogleheads should be doing as far as retirement plans, tax-planning, etc? The one that comes to mind for me is tax-loss harvesting which there isn't a ton of this year for most people in index funds I would imagine. Are there specific retirem...
by Sublime8700
Thu Dec 12, 2013 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Off-Shore Tax Planning - Two Businesses
Replies: 1
Views: 251

Off-Shore Tax Planning - Two Businesses

Curious if any Bogleheads have any ideas about this... a bit random, but there a bunch of smart people in here, so why not: I've got two businesses: 1) A software business where the profits are generated by licensing software to people around the world who use the software to trade and profit. (It d...
by Sublime8700
Fri May 31, 2013 11:26 am
Forum: Investing - Help with Personal Investments
Topic: international corporate structure question
Replies: 1
Views: 294

international corporate structure question

I'm an American living abroad. I have a German partner with whom we have a 50/50 informal partnership where we make software. We'd like to establish a solid and tax efficient corporate structure that makes sense for both of us. For what it's worth, I will be moving back to the US in the next 12 mont...
by Sublime8700
Wed Feb 13, 2013 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Bad Choices!
Replies: 25
Views: 1790

Re: 403b Bad Choices!

interesting! so districts, and not schools, have a list of providers that are acceptable. Is there a way to cross check whether my district has anything besides what the HR woman who doesn't know much about this says? Some database or something?
by Sublime8700
Wed Feb 13, 2013 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Bad Choices!
Replies: 25
Views: 1790

Re: 403b Bad Choices!

I just spoke with Vanguard at length. They basically told me that the school had to offer Vanguard as a provider or I was out of luck. I'm definitely curious how and what year those of you who got around this did so (without mobilizing the entire school to petition the HR office to add Vanguard beca...
by Sublime8700
Tue Feb 12, 2013 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Bad Choices!
Replies: 25
Views: 1790

Re: 403b Bad Choices!

ok. Ill call VG and report back!
by Sublime8700
Tue Feb 12, 2013 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Bad Choices!
Replies: 25
Views: 1790

Re: 403b Bad Choices!

so basically if the school offers a 403b or a 457 I should be able to do it through Vanguard, not Mutual of America, regardless of what the HR person tells me about it being a group plan etc. And in order to make this happen, I should call Vanguard if that's what I'm understanding?

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