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Tax Question: ROTH IRA for College Student (Canadian Income)

Is it possible to continue contributing to her ROTH IRA if your income source is Canadian? Our 19 year old, daughter worked the summer in Canada at a university and earned about $7K (Gross) as a wage earner. Taxes were deducted from her income. She will receive a T4 income statement at the end of th...
by cordanmom
Mon Nov 04, 2013 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Question: ROTH IRA for College Student (Canadian Income)
Replies: 1
Views: 119

Harbor Capital Advisor/Special Meeting

I just received notification that Harbor Funds parent company, Harbor Capital Advisors, Inc. is expected to be sold (90% plus one share) to ORIX. The Harbor Bond Fund is 10% of my portfolio and the paperwork assures me that "the transaction should not affect my account". The 72 page notice...
by cordanmom
Sun May 12, 2013 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Harbor Capital Advisor/Special Meeting
Replies: 2
Views: 581

Re: A Second Look

Pingo: My sincerest thanks for your guidance in simplifying and lowering the costs of my portfolio. 1. Best news: I am down to 11 retirement funds and I still have wonderful diversification. All my funds at Vanguard are now Admiral! 2. Your “big picture” analysis allows me to exploit the lower ER in...
by cordanmom
Wed Feb 06, 2013 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Second Look
Replies: 14
Views: 2060

Re: A Second Look

Pingo, I edited/corrected my original post: the ER discrepancy listed for Harbor (HABDX); it should have been .57% (not .85%), IL tax rate at 5% (not 6%), the name for Vanguard’s International fund (No longer All-World), the yearly 401k contribution including the company portion as a dollar amount. ...
by cordanmom
Tue Jan 08, 2013 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Second Look
Replies: 14
Views: 2060

Re: A Second Look

It is always a wonderment to have total strangers give you a helping hand. Livesoft, Thanks for looking over the annual report and for your evaluation. The value of the plan assets was close to 10M (9.6M) with 97 participants. I am grateful to have a trained eye do a once over. Hoppy, Re: Loomis v. ...
by cordanmom
Tue Jan 08, 2013 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Second Look
Replies: 14
Views: 2060

A Second Look

Three years back, I consulted your members for help putting our retirement portfolio on track. I am forever grateful for that assistance. That experience gave me a new sense of confidence in my abilities to manage our retirement money. I am no longer plagued with a constant worry that I am going to ...
by cordanmom
Mon Jan 07, 2013 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: A Second Look
Replies: 14
Views: 2060

Participant Fee Disclosure

I just received my company's 401k Fee Comparison & Investment Returns from Putnam which "was designed to meet the participant fee disclosure regulations of the United States Department of Labor (DOL)". I need some help deciphering the discrepancy in returns between the fund and benchma...
by cordanmom
Sun Aug 19, 2012 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: Participant Fee Disclosure
Replies: 1
Views: 434

Re: How much do you spend to get taxes done?

Picked my finished taxes up today and wrote a check for $295.
by cordanmom
Mon Apr 02, 2012 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much do you spend to get taxes done?
Replies: 86
Views: 4833

Dear Valuethinker & Doc, Thanks for the pep talk and your impressions of the fund manager's expertise. I did take your advice and pulled out the prospectus I had (July 2008) and realized it was probably outdated. I searched out a more recent copy on the Pimco website. They had a Summary Prospect...
by cordanmom
Mon Mar 15, 2010 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: Total Bond Fund with Negative Cash Position
Replies: 4
Views: 2320

Total Bond Fund with Negative Cash Position

I have recently did a major overhaul of my retirement portfolio with the assitance of very generous help from your forum. The lowest cost bond fund in my husband's 401k was PIMCO Total Return (PTRAX)(.71) which seemed the obvious choice. Actually, we already had it as part of our original portfolio,...
by cordanmom
Sat Mar 13, 2010 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Total Bond Fund with Negative Cash Position
Replies: 4
Views: 2320

% Allocation of small Cap International Index/Fund

I would appreciate any advice from those that hold a small cap international fund and what their current % of their total international allocation is and why they choose that percentage. I currently have 17% VFSVX as part of my international holdings. Would like to have some input before adjusting u...
by cordanmom
Sat Mar 13, 2010 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: % Allocation of small Cap International Index/Fund
Replies: 5
Views: 1901

Thanks a ton

Dear Ms. Larimore, Thank you for the aid you provided with my S&D retirement funds and please forgive my slow response. Your help will no doubt be of great benefit to my husband and I. Finding the time to reflect on such momentous decisions is always been difficult for me. After correcting for m...
by cordanmom
Sun Dec 06, 2009 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Assistance with Retirement Portfolio
Replies: 4
Views: 1686

Assistance with Retirement Portfolio

Greetings Bogleheads, I would greatly appreciate your input to simplify my hodge-podge retirement investments. It has spun out of control over the years as I added new funds without a plan in mind. I would like to lower my ER costs and lessen the number of funds to manage. Emergency Fund: 2 years -V...
by cordanmom
Fri Nov 20, 2009 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Assistance with Retirement Portfolio
Replies: 4
Views: 1686

Thanks so much for the help. I thought so, but appreciate the confirmation.
by cordanmom
Thu Jan 08, 2009 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k, Roth & Spousal IRA (traditional IRA)
Replies: 2
Views: 711

401k, Roth & Spousal IRA (traditional IRA)

I was hoping for direction on making the most of our retirement accounts for 2008. For years my husband and I have maxed out his 401k and made the maximum contribution to a traditional IRA for myself (sometimes referred to as a spousal IRA). We had planned to open his first Roth IRA for 2008. Will o...
by cordanmom
Wed Jan 07, 2009 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k, Roth & Spousal IRA (traditional IRA)
Replies: 2
Views: 711

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