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Re: OBi110 -or- Ooma Telo for home phone service?

For folks using Obi, didn't it stop working around May 2014 due to Google removing support? Though recently I saw an e-mail from Obi saying it is now officially supported. I was using it till mid-May and then stopped using it once it went offline. I'm going to try it again but wondering if anyone e...
by bandoba
Thu Sep 18, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 1163

Re: OBi110 -or- Ooma Telo for home phone service?

For folks using Obi, didn't it stop working around May 2014 due to Google removing support? Though recently I saw an e-mail from Obi saying it is now officially supported. I was using it till mid-May and then stopped using it once it went offline. I'm going to try it again but wondering if anyone el...
by bandoba
Thu Sep 18, 2014 6:47 pm
 
Forum: Personal Consumer Issues
Topic: OBi110 -or- Ooma Telo for home phone service?
Replies: 33
Views: 1163

Re: Help with investing for children

Quick question regarding Roth IRA on parent's name but with child as beneficiary - can you confirm this is same as any regular Roth IRA account? I'm wondering because I would like to go this route but our 401K and AGI doesn't allow us to open Roth. If your income is too high to open and direct fund...
by bandoba
Sat Aug 16, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investing for children
Replies: 25
Views: 1730

Re: Help with investing for children

I am looking for some guidance on the best way to start investing for our 1 and 2 year old children. We are fortunate enough to have grandparents that have already put away a majority to all of the college expenses, so lets ignore the 529 option for this discussion. The amount invested for the shor...
by bandoba
Sat Aug 16, 2014 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investing for children
Replies: 25
Views: 1730

Re: How do I back-door Roth IRA?

Posting my experience as it might help. I followed the exact steps mentioned by aquifer but since this is first time I am doing TIRA or Roth IRA, I had to open those accounts first before I could do exchange. Opening of new TIRA and funding it from external bank is straight forward. For opening Roth...
by bandoba
Wed Mar 26, 2014 1:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I back-door Roth IRA?
Replies: 15
Views: 1073

Re: [VG VBS] Cannot move funds from TIRA to upgraded Roth on

What's upgraded Roth? I'm wondering because I am seeing some issues with conversion too.
by bandoba
Fri Mar 21, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: [VG VBS] Cannot move funds from TIRA to upgraded Roth online
Replies: 6
Views: 350

Re: 529 Account in California

Thanks @NorcalDad and others for pitching in. While we are on this topic, does anyone know if the cashback is considered as gift to your kids? Basically, what I am trying to find out is, if I fund 529 plan by giving 14K (max annual exclusion amount wrt gift tax) as a gift, can I still go ahead and d...
by bandoba
Thu Mar 20, 2014 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 Account in California
Replies: 11
Views: 703

Re: 529 Account in California

Here is another Californian interested in finding out better options for 529. @Norcalkenny and @Easy Rhino (cool ID :)), assuming you are in CA, any specific considerations for choosing something other than Nevada plan at Vanguard?
by bandoba
Wed Mar 19, 2014 12:49 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 Account in California
Replies: 11
Views: 703

Re: Problems with Non-deductible TIRA to Roth conversion

Appreciate your quick reply neurosphere and DSInvestor. So it appears that I should just go ahead and convert whole 11K and one doesn't select an year during conversion. BTW, I believe that the TIRA account stays open (with 0 balance) after I convert from TIRA to Roth. So next year, in 2015 I just p...
by bandoba
Mon Mar 17, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Problems with Non-deductible TIRA to Roth conversion
Replies: 4
Views: 228

Problems with Non-deductible TIRA to Roth conversion

Hello Friends, Here is my situation: I am in process of adjust my portfolio based on various review comments I received here. As part of that, I decided to take advantage of backdoor Roth IRA. So far I have done following steps and stuck at conversion. I would really appreciate your help to understa...
by bandoba
Mon Mar 17, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Problems with Non-deductible TIRA to Roth conversion
Replies: 4
Views: 228

Re: Backdoor Roth IRA and Vanguard

I had same question and got the answer. Thanks verysiberian.
by bandoba
Mon Mar 17, 2014 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA and Vanguard
Replies: 3
Views: 406

Re: Any indoor seed starters?

I only start veggies, no point growing anything that doesn't give back to you IMO. Asthetics of flowers are great but not worth the work for me. I've got lettuce, brussel sprouts, and spinach sprouted under lights right now. Most other cool weather crops are getting planted this weekend. Hard to be...
by bandoba
Fri Feb 28, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 1737

Re: Any indoor seed starters?

Newbie question - typically what kind of seeds you guys start in starters? Mainly veggies or non-veggies?
by bandoba
Fri Feb 28, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Any indoor seed starters?
Replies: 30
Views: 1737

Re: Does Vanguard send multiple checks for IRA distribution?

I'm definitely not an expert, but I don't see why that would matter. Does the total add up to the total you had in the account, or did they withhold money for taxes? If they withheld, you have to make that up with your own funds. (This is one of the reasons why trustee-to-trustee transfers are bett...
by bandoba
Fri Feb 07, 2014 10:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard send multiple checks for IRA distribution?
Replies: 5
Views: 392

Does Vanguard send multiple checks for IRA distribution?

Hello Bogleheads, I recently initiated process to rollover my IRA at Vanguard to my 401K plan at Fidelity. I was hoping to receive one single check for the value of my IRA account from Vanguard. Apparently Vanguard instead sent 6 different checks each for one fund in my account. Is this common? Woul...
by bandoba
Fri Feb 07, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard send multiple checks for IRA distribution?
Replies: 5
Views: 392

Re: Please review our portfolio

I think you are doing great. You can bump up bonds to mitigate the risk. I would like to see review from experienced members well. Any reason not to invest in 529 plans?
by bandoba
Fri Jan 31, 2014 2:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Please review our portfolio
Replies: 4
Views: 742

Re: Back door Roth IRA

Thanks for confirming. BTW, one basic question about my IRA at Vanguard. I used to think that my account at Vanguard is Rollover IRA which is different than traditional IRA. But when I talked to Vanguard they were saying it is same as traditional IRA and now in your earlier post seem to suggest same...
by bandoba
Wed Jan 29, 2014 1:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Back door Roth IRA
Replies: 30
Views: 1572

Re: Back door Roth IRA

There is a special rule here that supercedes pro rating because an employer plan cannot accept basis from an IRA. This is the special rule from Pub 590: Tax treatment of a rollover from a traditional IRA to an eligible retirement plan other than an IRA. Ordinarily, when you have basis in your IRAs,...
by bandoba
Wed Jan 29, 2014 12:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Back door Roth IRA
Replies: 30
Views: 1572

Re: Back door Roth IRA

I just called Vanguard to initiate rollover of my IRA in Vanguard to employer 401K. The person I talked to didn't really know the prorata rule. He was kind enough to get retirement specialist on line and she eventually understood the situation and explained it to me as well as him. Though after we f...
by bandoba
Tue Jan 28, 2014 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Back door Roth IRA
Replies: 30
Views: 1572

Re: Back door Roth IRA

placeholder wrote:Most do it lump sum to avoid any taxes due to growth of the money.


Oh, right. I read it earlier but forgot about the growth when I posted the question. Thanks.
by bandoba
Tue Jan 28, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Back door Roth IRA
Replies: 30
Views: 1572

Re: Back door Roth IRA

I'm trying to open back door Roth IRA too. So in general, is it always recommended to fund tIRA in lump sum and then convert that to Roth IRA? Or can I DCA into tIRA for the whole year and then convert it to backdoor Roth IRA at the end of the year?
by bandoba
Tue Jan 28, 2014 8:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Back door Roth IRA
Replies: 30
Views: 1572

Re: Need help with portfolio review & tax efficient investme

Alright! I will proceed with setting it up now. Thanks once again.
by bandoba
Tue Jan 28, 2014 1:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

I got the expense ratios for her current 401K SSgA funds. They look expensive. For example, ER for recommended fund SSgA S&P 500 Index Securities Lending Series Fund - Class IX is 0.71%. Even the SSgA Cash Series US Government Fund is 0.75. Does that change anything?
by bandoba
Tue Jan 28, 2014 1:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

I guess I am still not clear about your statement above. So when I add more funds to his 401K, do they go to Spartan 500 or PIMCO? Or does that depend on which component is short compared to AAP percentage? For now they go in the Spartan 500 fund. But yes it does depend on the total AA and which is...
by bandoba
Tue Jan 28, 2014 1:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

Finally, as mentioned before, most of the new funds will go to TISM for at least next few months. But after that, given different percentages at different accounts, how do I direct new funds? Specially, to keep Bonds percentage as per AAP, do I start buying Bonds in her current 401K and/or his 401K...
by bandoba
Mon Jan 27, 2014 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

Thanks Duckie. Sincerely appreciate all your help on this.
by bandoba
Mon Jan 27, 2014 1:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

Is there a cost for using BrokerageLink? If yes, you might actually be better off with the normal fund options. Please list the costs here. That's good point. I will confirm with Fidelity but IIRC, total annual charges include keeping current BrokerageLink. For the 529 account I actually prefer age...
by bandoba
Mon Jan 27, 2014 12:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

This looks great. I have few questions to confirm: His & Her Taxable at Treasury Direct -- 1% <-- This is guessing on the number because I don't what percentage $20K is in your portfolio. 1% 
 I savings bonds I have 2% of I-Bonds and I had bought this on Kids's names. I was hoping to move it fro...
by bandoba
Mon Jan 27, 2014 12:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

In order to benefit from the tax interest exclusion on savings bonds they must be registered in a particular Treasury direct information stresses that the bonds cannot be in the name of the child although the child can be the beneficiary. I am not sure if the idea of purchasing bonds was for educat...
by bandoba
Sun Jan 26, 2014 7:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

My response inline... bandoba , it's too bad you didn't make some moves last year before your wife changed jobs. Her small old "A" 401k is better than her large old "B" 401k. Yeah, that was a mistake and I will make sure not to delay such things further. Best options in His 401k ...
by bandoba
Sun Jan 26, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

Duckie, hope you are doing well. You helped me with my portfolio last year. I staretd implementing the changes but as you mentioned there were lot of moving parts and it was overwhelming. I'm trying to sort it out now and requesting advice on followup questions. Last year, I switched to buying stock...
by bandoba
Fri Jan 24, 2014 7:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Rebalancing when money is in taxable account

I have been reinvesting all dividends and distributions and after reading this thread, I think I should probably change that. Do I need to worry about any specific issues if I decide to make this change?
by bandoba
Mon Jan 13, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing when money is in taxable account
Replies: 21
Views: 1762

Re: I-Bond Purchase Over the Limit was Allowed ?

Got it. Thanks Kevin & sscritic.
by bandoba
Sat Feb 02, 2013 1:26 am
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Purchase Over the Limit was Allowed ?
Replies: 47
Views: 4675

Re: I-Bond Purchase Over the Limit was Allowed ?

I have purchased the max limit of I Bonds for my personal and entity (trust) accounts last year and this year; I do not have a separate tax ID for the trust. No problems. Kevin Pardon my ignorance but I am trying to understand if the trust mentioned in posts above is something like Living Trust or ...
by bandoba
Fri Feb 01, 2013 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bond Purchase Over the Limit was Allowed ?
Replies: 47
Views: 4675

Re: Treasury Direct Online account

I look at it as a loophole in the system. I am using my kids social b/c TD has a limit of $10k each year. If they didn't have that limit, I would just simply buy $30k in my name rather than add my 2 kids into the mix. It doesn't necessarily have to go directly to college expenses, but i certainly t...
by bandoba
Fri Feb 01, 2013 8:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct Online account
Replies: 11
Views: 1656

Re: Treasury Direct Online account

Just wanted to bump this thread. I want to max out the i-bond purchasing for my family each year (myself, wife, and two kids). Adding the kids was easy. But I can't figure out how to add my wife to be able to buy her $10k from the same account. I would like to make all the purchases from the same b...
by bandoba
Thu Jan 31, 2013 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct Online account
Replies: 11
Views: 1656

Re: Treasury Direct Online account

Just wanted to bump this thread. I want to max out the i-bond purchasing for my family each year (myself, wife, and two kids). Adding the kids was easy. But I can't figure out how to add my wife to be able to buy her $10k from the same account. I would like to make all the purchases from the same b...
by bandoba
Thu Jan 31, 2013 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct Online account
Replies: 11
Views: 1656

Re: Treasury Direct Online account

I am starting the process to convert my and my wife's paper i bonds to electronic version. I finally got around the creating a manifest for my bonds. I must say they could not have made it more complicated, though there conversion guide is helpful. My questions is should I create a new TD account f...
by bandoba
Wed Jan 16, 2013 1:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct Online account
Replies: 11
Views: 1656

Re: Need help with portfolio review & tax efficient investme

Thanks for the answers and explanations. It sounds like a good plan and I will start executing it ASAP. Finally, I have couple of general investment questions: I have seen recommendation for TIPS, Small cap or precious metals in some cases. Can you tell me when would one need such additional exposur...
by bandoba
Mon Jan 07, 2013 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

More questions about wife's old 401K plan and rolling it over: The old plan already holds substantial amount in Spartan Total Market Index (FSTVX). Given the low ER and the fund being similar to TSM (I could be wrong here and would love to know otherwise), do you see any issue assuming this as contr...
by bandoba
Mon Jan 07, 2013 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

Just found a thread discussing PIMCO Total Return (PTTRX) v/s TBM. Good info there.
viewtopic.php?f=1&t=108451

Probably that's the reason you are recommending to move to TBM?
by bandoba
Mon Jan 07, 2013 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

Duckie, here are my follow up questions. I would appreciate your comments. Taxable at Treasury Direct -- 0% 0% 
 I Savings Bonds What's the reason for 0% in I-Bonds? Or are you just allocation as we start making the changes? Once I start putting 20K in I-Bonds, this will be greater than 0%. BTW, do ...
by bandoba
Mon Jan 07, 2013 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Need help with portfolio review & tax efficient investme

Duckie,

Thanks for the review and detailed comments. I am digesting what you have said and will post my follow up questions soon.
by bandoba
Mon Jan 07, 2013 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Need help with portfolio review & tax efficient investments

Hello Everyone, I am looking for advice on simplifying my portfolio and how to make tax efficient investments going forward. Emergency funds : 6 months of expenses Debt : Credit cards paid in full every month, mortgage balance 615K with 3.625% Tax Filing Status : Married Filing Jointly Tax Rate : 28...
by bandoba
Sun Jan 06, 2013 2:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help with portfolio review & tax efficient investments
Replies: 24
Views: 1903

Re: Ready, aim, [Poll on Jan. 1 tax advantaged contributions

You have the right idea. The advantage is that the expected direction of your investments is to increase in value. Therefore, time spent invested is better than time spent out of the market - on average. DCA holds back some of your capital throughout the course of the year, and that capital has a l...
by bandoba
Mon Dec 31, 2012 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready, aim, [Poll on Jan. 1 tax advantaged contributions]
Replies: 50
Views: 3417

Re: Ready, aim, [Poll on Jan. 1 tax advantaged contributions

I'm new to (back door) Roth IRAs. I'm trying to understand the reasoning behind funding it ASAP in Jan 2013. I'm assuming it is mainly to take advantage of tax free growth during 2013. Is that correct understanding? Am I missing any specific advantage in funding it right now rather than DCA over the...
by bandoba
Mon Dec 31, 2012 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ready, aim, [Poll on Jan. 1 tax advantaged contributions]
Replies: 50
Views: 3417

Re: Backdoor Roth IRA on 31st Dec?

I've been in the same situation as you (wife with no traditional IRA, we don't qualify for a Roth IRA). We back door the Roth every year, but if I recall correctly, it takes a day or two for the funds to be credited to the traditional IRA before we can convert it to the Roth. You actually don't hav...
by bandoba
Mon Dec 31, 2012 4:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA on 31st Dec?
Replies: 12
Views: 1378

Re: Backdoor Roth IRA on 31st Dec?

As per another thread on same topic here (viewtopic.php?f=1&t=107859) its a misconception that one has to open traditional (or Roth IRA) by 31st Dec. So looks like I have more time in hand and no need to rush!
by bandoba
Mon Dec 31, 2012 4:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA on 31st Dec?
Replies: 12
Views: 1378

Backdoor Roth IRA on 31st Dec?

Hello Friends, We live in CA and have high income making us ineligible for Roth IRA. But while discussing this topic tonight, I learnt about backdoor Roth IRA conversion. I personally can't do it unless I get rid of my rollover IRA (or pay the taxes) but this could be an option for my spouse since s...
by bandoba
Mon Dec 31, 2012 3:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA on 31st Dec?
Replies: 12
Views: 1378

Re: Where to park money for short term (12 months)

BTW, is it typically recommended to invest 100K in lump sum? My tentative target funds include mix of total stock market, international and REIT. There is no typical recommendation. Lump sum has statistically been more successful in the past. However, that's a general case. Specific results will va...
by bandoba
Fri Jan 14, 2011 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to park money for short term (12 months)
Replies: 12
Views: 2076
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