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Re: Miscellaneous 401k fees

Shouldn't they have to disclose what specifically that money is used for and how it is allocated? They are not legally required to itemize it on your statement with payees and purposes. They already said it's allocated equally to every account. There's a summary annual report at the plan level. I c...
by Xanadu
Thu Dec 04, 2014 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Miscellaneous 401k fees
Replies: 15
Views: 1451

Re: Miscellaneous 401k fees

what company? It is a utility company. I will leave it at that. Or did you mean the company that services my 401k? In that case, it was JP Morgan, but they just sold there financial services division to Great-West Financial effective Aug 30th. Perhaps that has something to do with the extra fees?
by Xanadu
Thu Dec 04, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Miscellaneous 401k fees
Replies: 15
Views: 1451

Re: Miscellaneous 401k fees

macheta wrote:what company?


It is a utility company. I will leave it at that.
by Xanadu
Thu Dec 04, 2014 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Miscellaneous 401k fees
Replies: 15
Views: 1451

Re: Miscellaneous 401k fees

It's probably a TPA, recordkeeper or advisor fee. Is it taken on a consistent basis, such as quarterly? It's a common practice in the industry. No, these are not quarterly. There is a different quarterly fee which is also described in the fee disclosure document: "The Plan divides total record...
by Xanadu
Thu Dec 04, 2014 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Miscellaneous 401k fees
Replies: 15
Views: 1451

Miscellaneous 401k fees

I was just reviewing my 401(k) transaction history and noticed $102 in extra fees spread out at random dates throughout the year. The descriptions simply say "Fees - Other". I was scratching my head trying to figure this out, and then noticed this paragraph in this fee notice disclosure: &...
by Xanadu
Wed Dec 03, 2014 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Miscellaneous 401k fees
Replies: 15
Views: 1451

Re: Turbotax Property Tax issue

Thanks for pointing me in the right direction. Funny how you spend an hour on the phone with a "tax expert" and don't get a resolution, but the Bogleheads figured it out for me in 15 minutes. :beer p.s. I never did get a call back today from them like they said I would. :twisted: oh well, ...
by Xanadu
Wed Mar 12, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax Property Tax issue
Replies: 6
Views: 579

Re: Turbotax Property Tax issue

I'm thinkin' its probably related to the AMT. Turbo Tax states in the common questions section: "In calculating the AMT, you cannot take itemized deductions for state and local income tax, real estate taxes and personal property taxes, even though these are deductible on your regular return.&qu...
by Xanadu
Wed Mar 12, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax Property Tax issue
Replies: 6
Views: 579

Re: Turbotax Property Tax issue

Yes we are subject to The AMT. And, yea pretty sure the itemized deductions are greater than the standard deduction. Too tired right now to troubleshoot this anymore tonight, but will take a look at the AMT and standard deduction tomorrow. Also supposed to get a call back from a TT specialist. Thank...
by Xanadu
Tue Mar 11, 2014 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax Property Tax issue
Replies: 6
Views: 579

Turbotax Property Tax issue

Doing my taxes, and put $4,266.74 paid in real estate taxes on turbotax. It adjusted my state tax refund, but did nothing to my federal. I tried all kinds of different numbers, but didn't make a lick of difference. Am I correct that any real estate (property) tax paid during the tax year should be t...
by Xanadu
Tue Mar 11, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax Property Tax issue
Replies: 6
Views: 579

Re: 529 as part of AA question

This is a poll I created some time ago. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=102318 I ended up including as my overall portfolio. Reasons include: 1) easier to manage 1 portfolio vs 2 2) allows me to keep a lower expense ratio overall due to limited fund options in other retiremen...
by Xanadu
Mon Feb 10, 2014 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 as part of AA question
Replies: 19
Views: 1089

PIMCO Total Return Fund has negative cash??

One of my old 401Ks just switched my bond fund to PIMCO Total Return Inst Fund (PTTRX). I was reviewing the fund information in my 401k plan, and it shows that the fund's composition consists of -71.89% cash. Whats up with that? Does that mean they're borrowing money to buy bonds?? Not really sure w...
by Xanadu
Tue Jan 14, 2014 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return Fund has negative cash??
Replies: 3
Views: 711

Re: Bad Time to Jump In?

In your situation, I would go with a tIRA, then convert to a Roth. (Try searching for "backdoor Roth", and you will see why)
by Xanadu
Sun Dec 22, 2013 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad Time to Jump In?
Replies: 37
Views: 3653

Re: Do you have a warchest for a correction?

Noobvestor wrote:I suppose I could sell my kidney on the black market if the stock market drops 90% ...


How do you know that kidney prices aren't highly correlated with the stock market? Your kidney may plunge in value as well!
by Xanadu
Tue Nov 12, 2013 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you have a warchest for a correction?
Replies: 30
Views: 2883

Re: Do you have a warchest for a correction?

If by warchest you mean a portion of my AA set aside for bonds, then yes I do have a warchest :happy
by Xanadu
Mon Nov 11, 2013 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you have a warchest for a correction?
Replies: 30
Views: 2883

Re: Shiller PE10 nearing nosebleed territory?

Shiller PE just broke 25! Sell! Sell! Sell!

Just kidding. Stay the course. :happy
by Xanadu
Tue Oct 22, 2013 9:04 am
 
Forum: Investing - Theory, News & General
Topic: Shiller PE10 nearing nosebleed territory?
Replies: 290
Views: 26071

Re: Series EE Savings Bonds Rates

Mel Lindauer wrote:As for the I Bond rate, which is also announced on May 1st and Nov. 1st, only the inflation adjustment portion of the composite rate can be figured out in advance...


Has anyone figured out what the new inflation adjustment portion will be yet?
by Xanadu
Tue Oct 08, 2013 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Series EE Savings Bonds Rates
Replies: 6
Views: 1062

Re: Is it this easy: Stocks are safe, bonds are risky?

nisiprius wrote:b) Flip a coin. If it comes up tails, you must give him the whole $100,000. If it comes up tails he gives you $101,000.


And what if it comes up heads?
by Xanadu
Sat Aug 31, 2013 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: Is it this easy: Stocks are safe, bonds are risky?
Replies: 59
Views: 3654

Re: Didn't get company match on last pay check

Yes, it was. I decided to treat myself to a 3 day weekend before starting my new job the following Monday. I'll check with Payroll. Thanks!
by Xanadu
Mon Jul 08, 2013 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Didn't get company match on last pay check
Replies: 9
Views: 1233

Re: Didn't get company match on last pay check

I worked 9 out of 10 business days
by Xanadu
Mon Jul 08, 2013 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Didn't get company match on last pay check
Replies: 9
Views: 1233

Didn't get company match on last pay check

I recently changed jobs and was just reviewing my final pay stub from my former company. I noticed that my reoccurring 401k contribution was not deducted from my income, and therefore I missed out on my normal 4% company match on that last pay period. Is this standard protocol? Should I confront the...
by Xanadu
Mon Jul 08, 2013 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Didn't get company match on last pay check
Replies: 9
Views: 1233

Re: Putting the rest into stocks?

Do stock prices generally stay flat in the summer and go up in the fall? Is this a serious question? Newb, you should know that B-Heads don't believe in market timing. If I remember correctly from your previous posts, your target AA is 100% stock right? If so, then invest your money as such! Your p...
by Xanadu
Fri Jul 05, 2013 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Putting the rest into stocks?
Replies: 16
Views: 1272

Re: How do you say thanks from a distance?

I second Harry and David. Their fruit is bomb diggity.
by Xanadu
Mon Jul 01, 2013 7:44 pm
 
Forum: Personal Consumer Issues
Topic: How do you say thanks from a distance?
Replies: 17
Views: 1242

Re: Free Cars for Life [POLL]

Well for starters, 12% market return is overly optimistic
by Xanadu
Thu Jun 06, 2013 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Free Cars for Life [POLL]
Replies: 77
Views: 4581

Re: Will 1,666 be the high?

MnD wrote:That's it........
I'm moving everything into 50:50 Emerging Market Bond and Powerball tickets.


Not diversified enough in my opinion. I'd do at least 1/3 bit coins as well :P
by Xanadu
Fri May 17, 2013 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Will 1,666 be the high?
Replies: 31
Views: 3512

Re: Do you adjust your AA based on valuations?

I thought I remembered reading on here that Mr. Bogle himself adjusted his AA back when PE valuations were at a ridiculously high level, no?
by Xanadu
Wed May 08, 2013 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: Do you adjust your AA based on valuations?
Replies: 94
Views: 5706

Re: Afraid to put money back into market. Help

Thanks for the quick response and the advice. DCA is exactly how the money got invested in the 1st place! I forgot about that. I like to use the following funds in my IRA: VOO VO VB VEU VSS VNQ VNQI EDV GLD Commodity or single country ETF 10% in each. Does this asset allocation seem crazy? You migh...
by Xanadu
Fri May 03, 2013 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Afraid to put money back into market. Help
Replies: 35
Views: 3041

Re: Total Stock Market Fund or Total International Fund?

If it were me I would throw it all at total international. But that's only because my target asset allocation calls for 50% international, and given that If I had to pick between the two funds and I believe that international stocks are priced better than u.s., then total international it is. Howeve...
by Xanadu
Fri Apr 05, 2013 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

However right now international is on sale. If I buy international today, can I transfer it (staying within my Roth Account) to US Stock Index Fund at a later date for free, or is there a charge to switch funds like that? No fee if you are using vanguard funds within vanguard, but there will be a b...
by Xanadu
Wed Apr 03, 2013 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

I'd suggest VTWSX or the ETF version (VT). The ETF version has lower fees. It's a market-cap-weighted combination of the two you mentioned. I am new to investing, can you tell me a little about the difference between these two please and what is an ETF, is there a reason it has a lower expense rati...
by Xanadu
Wed Apr 03, 2013 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

I personally would start with international and then add US - only because US has done so well compared to international over the past 3 months. And to this point you mean the international can be purchased at a lower price as of today? Yes, I believe international stocks are right now priced cheap...
by Xanadu
Wed Apr 03, 2013 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: Total Stock Market Fund or Total International Fund?

It appears that the most aggressive target fund is the 2060 fund, which is about 90% stocks

https://personal.vanguard.com/us/funds/vanguard/TargetRetirementList#targetAnchor
by Xanadu
Wed Apr 03, 2013 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund or Total International Fund?
Replies: 41
Views: 3543

Re: VFSTX hypothetical (changing interest rate)

Thanks for the replies. I am considering using this fund as a portion of our emergency fund, so I'm just trying to make sure I understand all the risks.
by Xanadu
Tue Apr 02, 2013 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: VFSTX hypothetical (changing interest rate)
Replies: 8
Views: 691

Re: VFSTX hypothetical (changing interest rate)

Cool, I had to re-read the bonds section in the wiki but now I understand better: from the wiki: Duration has another useful summary property, which is that if the yield curve shifts in parallel[2], then duration is the point of indifference to interest rate changes. Makes me wonder what all the fus...
by Xanadu
Mon Apr 01, 2013 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: VFSTX hypothetical (changing interest rate)
Replies: 8
Views: 691

VFSTX hypothetical (changing interest rate)

Suppose I invest $10,000 today in Vanguard Short-Term Investment-Grade Fund Investor Shares (VFSTX). Then suppose tomorrow the interest rate rises by 1%. Since the average duration on this fund is 2.3 years, am I correct to assume that that my $10,000 investment would immediately decrease by 2.3%, d...
by Xanadu
Mon Apr 01, 2013 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: VFSTX hypothetical (changing interest rate)
Replies: 8
Views: 691

Re: Dividends... what time are they paid out?

what's the rush?
why does it matter?
by Xanadu
Thu Mar 28, 2013 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividends... what time are they paid out?
Replies: 11
Views: 1017

Re: Paying off mortgage Versus 529 Plan

Do you live in a state that offers a state tax deduction for 529 contributions?
by Xanadu
Sat Mar 16, 2013 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage Versus 529 Plan
Replies: 9
Views: 1167

Re: emergency funds

I-bonds if you can hold it there for at least 1 year

Edit: up to $10,000 per year per ssn that is
by Xanadu
Mon Mar 11, 2013 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: emergency funds
Replies: 9
Views: 1027

Re: definition of a Really Bad Day?

Definition of a really bad day? I think this book sums it up pretty well.

Image
by Xanadu
Thu Feb 21, 2013 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: definition of a Really Bad Day?
Replies: 28
Views: 2139

Re: Just wanted to say thanks [Portfolio]

We all have our own style and may change as needed according to the environments outside that day. That may be true for many investors, but Bogleheads instead choose an asset allocation that is appropriate for there risk tolerance, and then simply stay the course. Who cares what the environment is ...
by Xanadu
Tue Feb 19, 2013 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just wanted to say thanks [Portfolio]
Replies: 9
Views: 863

Re: Peeking at investments...how often?

Every 2 weeks, right before pay day. I do this to see which asset class is most underfunded compared to my target AA, then funnel the new contribution accordingly.
by Xanadu
Thu Feb 07, 2013 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Peeking at investments...how often?
Replies: 59
Views: 3375

Re: Adding Commodities to Portfolio

Chan_va wrote:I don't think commodities give you any diversification that the total stock market doesn't. (The exception being owning actual gold bullion as a catastrophe hedge. Asteroid impact for example.)


If the asteroid is made of gold, this might have the opposite effect. :shock:
by Xanadu
Wed Feb 06, 2013 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Adding Commodities to Portfolio
Replies: 14
Views: 1001

Re: how to start investing at market highs?

reventon,

You may want to do some more research on asset allocation. "Paying off debt" is not an asset class, and should not be part of a AA. Maybe you mean "20% allocated to bonds"?
by Xanadu
Sun Feb 03, 2013 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: how to start investing at market highs?
Replies: 40
Views: 4274

Re: Any reason to have two 529s?

Might another reason for multiple accounts be for additional tax deductions? Accoring to this thread , for VA 529 plans you get a up to $4,000 in state income deduction per account . So you could have multiple accounts each with $4,000, giving you additional tax savings. (I haven't actually done my ...
by Xanadu
Fri Jan 18, 2013 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any reason to have two 529s?
Replies: 26
Views: 1664

Re: Shrinking Snickers bars

Our toilet paper now uses larger diameter tubes. I think I first noticed back in 2008 or 2009. Don A few years back when I worked in the paper industry, we reduced the width of our toilet paper by half an inch. But we could still proudly display "1,000 sheets per roll!" on the packaging. ...
by Xanadu
Fri Jan 18, 2013 10:19 am
 
Forum: Personal Consumer Issues
Topic: Shrinking Snickers bars
Replies: 50
Views: 3343

Re: back-door roth question

Is there a limit to how many conversions can be done in a single year? For example can you contribute $5,000 now for 2012 and convert to Roth, then contribute $5,500 later in the year, say in December, and then convert that as well (both conversions taking place in 2013)?
by Xanadu
Sat Jan 05, 2013 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: backdoor roth question
Replies: 14
Views: 900

Re: 2013 BOGLEHEAD CONTEST REGISTRATION

1298.72
by Xanadu
Thu Jan 03, 2013 9:17 am
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST REGISTRATION
Replies: 481
Views: 15529
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