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Re: [Poll] What was your 2013 return?

This was a great learning exercise for me. Thank you for the link to MoneyBlog.com's easy rate of return calculator, repeated here http://www.mymoneyblog.com/estimate-your-portfolios-rate-of-return-calculator.html . XIRR = 16.7% across retirement accounts (401ks, IRAs), accounting for contributions;...
by dianna
Fri Jan 10, 2014 8:07 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 8509

Re: Private School Funding

The topic has been discussed previously, and a link to a discussion on how having a child with little/no income make the contribution can bypass the income limits for parents is in this thread: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=108183 What we have been coached to do is the fol...
by dianna
Mon Jan 06, 2014 9:31 am
 
Forum: Personal Finance (Not Investing)
Topic: [Tax Advantaged] Private School Funding [Options]
Replies: 26
Views: 4488

Re: Private School Funding

If a married couple falls below the income limits for a Coverdell, can the parents then contribute $2,000 per year, plus an additional $2,000 gifted to the child, in the child's name? No, the limit is $2000 per year per kid from any source. To the OP, you personally may be above Tax thresholds to c...
by dianna
Sun Jan 05, 2014 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Tax Advantaged] Private School Funding [Options]
Replies: 26
Views: 4488

Re: What Book Are You Currently Reading? Part V

I just finished reading Malcolm Gladwell's David and Goliath on vacation and then turned to the Big Disconnect by Steiner-Adair about technology and social connection. Overall, I thought that David and Goliath was a nice thought-provoking read and I generally enjoy Gladwell's writing. The Big Discon...
by dianna
Sun Jan 05, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2616
Views: 591774

Rollover T-IRA to 401k to make space for backdoor Roth?

Hi everyone, Thank you for all of the great advice and wisdom on this forum. We are contemplating a transaction to gain more Roth space that I want to run by the forum. Both of us are employed and still in the accumulation phase; only eligible for Roth IRA contributions via backdoor. Wife has no TIR...
by dianna
Fri Oct 11, 2013 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Rollover T-IRA to 401k to make space for backdoor Roth?
Replies: 2
Views: 261

Re: solo 401(K) questions

2) I understand that there are no Admiral shares, so I will have to pay higher expense ratios. Do I also have to contribute to a certain fund, especially at the beginning, to make it legally correct? For example, can I just continue with Total Bond Market and Total Stock Market or do I have to choo...
by dianna
Thu Aug 22, 2013 1:18 am
 
Forum: Personal Finance (Not Investing)
Topic: solo 401(K) questions
Replies: 20
Views: 1259

Re: Coverdell Education Savings Accounts

We also have ours at Schwab. Easy to set up and fund, good choice of funds. No adverse experiences thus far, however we are only in accumulation and haven't needed to use those funds (yet, thankfully).
by dianna
Fri Aug 09, 2013 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Coverdell Education Savings Accounts
Replies: 7
Views: 650

Re: All Wheel Drive vs. Front Wheel Drive

I've lived in Minnesota my entire life. About 6 years ago we bought our first AWD, a Subaru Forester. Our other vehicle has always been a front wheel drive commuter car. The only time I noticed a difference in traction and handling was in heavy snow. The Forester was no better on ice than the FWD F...
by dianna
Fri Jul 12, 2013 12:26 am
 
Forum: Personal Consumer Issues
Topic: All Wheel Drive vs. Front Wheel Drive
Replies: 52
Views: 4663

Re: All Wheel Drive vs. Front Wheel Drive

Snow tires make much more of a difference than fwd vs awd. +1 I drive a RWD car in a snowy/icy/hail state and it's the tires that make the difference. My personal belief is that AWD makes some people *feel* confident beyond their true driving abilities. Having lived/driven in PA, MA, CT, NY, NJ and...
by dianna
Fri Jul 12, 2013 12:18 am
 
Forum: Personal Consumer Issues
Topic: All Wheel Drive vs. Front Wheel Drive
Replies: 52
Views: 4663

Re: When dying

Dear NCBound,
I am so very sorry to hear of your wife's passing. May memories of happier, more peaceful times find a way to heal your soul.
~dianna
by dianna
Wed Jun 26, 2013 12:47 am
 
Forum: Personal Finance (Not Investing)
Topic: When dying
Replies: 48
Views: 7587

Re: Help with Health Insurance

We found that ehealthinsurance.com provided comparisons of rates across plans after entering in a little bit of information. This could at least help you understand if the $1200/month is ridiculous or competitive for comparable coverage. But please, read the fine print before you act. FWIW, I just r...
by dianna
Wed Jun 19, 2013 11:13 pm
 
Forum: Personal Consumer Issues
Topic: Help with Health Insurance
Replies: 47
Views: 2398

Re: Should My Parents Keep their Lousy Longterm Care Insuran

Start thinking outside the box and consider some other options besides nursing home or assisted living. Would it be possible for you to build a Granny House in your backyard? It would be separate living area from you. You would be around to help. You could hire help and be there to watch over how t...
by dianna
Wed Jun 19, 2013 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should My Parents Keep their Lousy Longterm Care Insurance?
Replies: 15
Views: 1437

Re: Help create a Financial Presentation: Calling all Bogleh

I'd like to help as I can as well, from the self-employed angle, which I don't see as uniquely represented yet. I will go online to add. Also, when we developed our IPS, we did so only for the accumulation phase, but recently I've created a second one for the withdrawal phase, in the event that I cr...
by dianna
Tue Jun 18, 2013 4:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 106
Views: 8959

Re: How to find a great nanny?

Recommendations from friends! Some things that made us comfortable about ours: good interaction with little one, religious community ties (lots of church activities), interest and education with early learning, friends who were nannies, & glowing recommendations - including one from someone we ...
by dianna
Fri Jun 14, 2013 6:07 pm
 
Forum: Personal Consumer Issues
Topic: How to find a great nanny?
Replies: 11
Views: 857

Re: why it pays to make purchases with a credit card

+1 for ease of disputed costs. One time, we were about to leave on a trip for London when noticed a $3000+ USD purchase delivered to a PO box in Brussels... apparently, someone ordered him/herself a nice bicycle for "back in the day" 2001 prices! No worries - - VISA looked into the fraudul...
by dianna
Fri Jun 07, 2013 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: why it pays to make purchases with a credit card
Replies: 9
Views: 2491

Re: VOIP What do you think?

What I'm really looking for is a really cheap residential phone solution that I can use in a condo that I live in for about 6 months a year. I have a cellphone but I'm looking to have a residential phone there also for a few reasons. I'm too cheap to install regular phone service and get stuck payi...
by dianna
Thu Jun 06, 2013 11:21 pm
 
Forum: Personal Consumer Issues
Topic: VOIP What do you think?
Replies: 20
Views: 1345

Re: Demo a Bathroom (Save Costs)

Hi All, Has anyone done a bathroom demo? Is this something someone with low 'handyman' skills can do? We have a soaking tub, standing stall shower, double sink vanity, and tile throughout (floors and walls). Am I going to wish I paid someone to do this? Yes - we have done many a bathroom demo; in f...
by dianna
Thu Jun 06, 2013 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Demo a Bathroom (Save Costs)
Replies: 27
Views: 1735

Re: Poll: Umbrella Insurance

We purchased our umbrella policy when we were in our mid-30's, working on a major renovation to our home. Grateful that we haven't needed to use it.
by dianna
Mon May 27, 2013 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Umbrella Insurance
Replies: 84
Views: 4904

Re: When to consider buying long-term care insurance?

Long term care coverage is like car insurance; you have to pay continously to keep the policy in force. The longer you pay without making a claim, the more money the insurance company gets to cover claims. That's why the cost rises as you get older; you're likely to pay for less time before you mak...
by dianna
Mon May 27, 2013 10:49 am
 
Forum: Personal Finance (Not Investing)
Topic: When to consider buying long-term care insurance?
Replies: 64
Views: 4225

Re: When to consider buying long-term care insurance?

If you are a Do It Yourself type individual: (Unbiased Federal Government guide on LTC) http://www.medicare.gov/LongTermCare/Static/Home.asp You should consider your wealth and health factors when buying LTC. Health includes your ancestral family members. Another tidbit, if your employer offers LTC...
by dianna
Mon May 27, 2013 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: When to consider buying long-term care insurance?
Replies: 64
Views: 4225

When to consider buying long-term care insurance?

Background: As part of fine-tuning our IPS, we ran life expectancy calculations so that we have a better picture of how long we need our retirement funds to last. We used the short form life calculator ( http://gosset.wharton.upenn.edu/mortality/perl/CalcForm.html ) from Wharton as a first pass beca...
by dianna
Sun May 26, 2013 8:11 am
 
Forum: Personal Finance (Not Investing)
Topic: When to consider buying long-term care insurance?
Replies: 64
Views: 4225

Re: What Book Are You Currently Reading? Part V

I have been away from reading for awhile due to crazy-busy work commitments; now finding myself this holiday weekend immersed in 3 books I started awhile ago: "This Will Make You Smarter" by John Brockman - a compilation of short essays by thought leaders of various disciplines. Good for p...
by dianna
Sat May 25, 2013 11:30 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2616
Views: 591774

Re: Bond duration and tax efficiency question

Given a choice, I would prefer to have bond funds mostly in a tax-deferred 401(k) or traditional IRA and not in a Roth IRA (except for a little bit). The reason is that I can use the Roth IRA for higher expected tax-free growth in equities. Very true, livesoft, and given new yearly Roth space with ...
by dianna
Sat May 04, 2013 12:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond duration and tax efficiency question
Replies: 5
Views: 448

Re: Bond duration and tax efficiency question

Thank you, Epsilon Delta! I was hoping that the strategy was sound.
by dianna
Fri May 03, 2013 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond duration and tax efficiency question
Replies: 5
Views: 448

Re: include LLC shares in net worth?

Followup question for other LLC members - do you include LLC shares when analyzing your portfolio AA? I think whether and how you include LLC assets is contingent on the situation. • I'm self-employed and the business is an LLC; so, for that LLC I draw a salary and also have an i-401k. Those go int...
by dianna
Fri May 03, 2013 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: include LLC shares in net worth?
Replies: 12
Views: 569

Bond duration and tax efficiency question

I haven't found the answer to this question on the Wiki, forum or in the Boglebooks. I'm hoping this is a basic question for all of you who understand bonds significantly more than myself. Thanks to backdoor Rothing, I finally have some decent space in our Roth accounts such that I could hold our bo...
by dianna
Fri May 03, 2013 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond duration and tax efficiency question
Replies: 5
Views: 448

Re: Transfer Options

bkchris,
Please accept my apologies. I called my VG Small Biz rep and you are right they do not allow rollovers from anything but other i-K's or pension products into their I-K, not at start-up, not ever.

Good luck at Fidelity!
~dianna
by dianna
Wed May 01, 2013 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer Options
Replies: 8
Views: 573

Re: Transfer Options

Wanted to do this, but Vanguard does not allow rollovers into their i-401k and I need to consolidate to backdoor Roth. I am in the process of transferring over my Vanguard SEP to my Fidelity Solo 401k.. Why not just convert VG SEP to VG Individual-k? Is this for lower ER's at Fidelity? Seems like a...
by dianna
Wed May 01, 2013 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer Options
Replies: 8
Views: 573

Re: 529 plans overfunding

It is difficult to estimate how much my kids will need for education when they are ready. They are 9 and 4 right now.... Note we live in california so no tax breaks for us The question of how much to fund a 529 plan for kids so young is truly a difficult one, IMO. The educational landscape is the U...
by dianna
Wed May 01, 2013 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 plans overfunding
Replies: 28
Views: 1899

Re: Transfer Options

bkkchris wrote:I am in the process of transferring over my Vanguard SEP to my Fidelity Solo 401k..


Why not just convert VG SEP to VG Individual-k? Is this for lower ER's at Fidelity? Seems like a lot of hassle for a small amount.
by dianna
Wed May 01, 2013 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer Options
Replies: 8
Views: 573

Re: Solo vs individual 401k

Are these the same thing? What is the lowest cost provider that allows you to purchase ETFs? Generally speaking, yes these are the same thing. My i-K is at Vanguard, although I have recently read threads speaking very highly of fidelity, those mostly in reference to being able to do rollovers from ...
by dianna
Tue Apr 30, 2013 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo vs individual 401k
Replies: 7
Views: 440

Re: College Time has arrived... and we need some advice.

Dear Atlanta, I'm quite impressed that you and your wife sat down with your daughter and had a heart-to-heart about her academic future and your finances. This speaks volumes for her in the future, perhaps more than any education that she could get on campus, because she is learning the real-world i...
by dianna
Tue Apr 30, 2013 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Time has arrived... and we need some advice.
Replies: 51
Views: 3924

Re: Your Dumbest Financial Move

so many choices of dumb moves, so little time..... 1 - not learning the Boglehead investment philosophy earlier (although very happy that we learned when we did) 2 - paying in 2011-2012 to convert an IRA annuity to a Roth annuity. Thousands lost in taxes, but it was too late to cancel the transactio...
by dianna
Tue Apr 30, 2013 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Dumbest Financial Move
Replies: 166
Views: 13142

Re: Portfolio Review

Welcome to the forum and congratulations on the upcoming arrival - very exciting! When we started embarking on the Boglehead philosophy, we found it very helpful to formulate an Investment Policy Statement and there is a wiki ( http://www.bogleheads.org/wiki/Investment_Policy_Statement ) that outlin...
by dianna
Tue Apr 30, 2013 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 36
Views: 3273

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

Ditto on the following:
floydtime wrote:A real Vanguard H.S.A. with no fees (other than the usual mutual fund fees).


Code Commit wrote:Admiral shares in Individual 401k, please


Gleevec wrote: Bring back Coverdell ESA
by dianna
Tue Apr 30, 2013 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 6439

Re: BigMoney Jobs(high school student wants to be rich some

A lot depends on your definition of rich.....If you just want to be in the top 1% of earners, then doctors and lawyers are the two most common professions in that income bracket.... But not all top earners are top savers , thus could be in the poor house. In the end, do what you like that will affo...
by dianna
Tue Apr 30, 2013 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: BigMoney Jobs(high school student wants to be rich some day)
Replies: 102
Views: 7043

Re: How to find a beach house rental?

Another vote for VRBO. I have used it for rental in Bucerias (north of Puerto Vallarta) Mexico, St Petersburg Russia, Moscow, Porto Portugal and Barcelona Spain (the last 2 for business trips, less expensive than the pricey hotels available). I echo another poster who said to find that the property ...
by dianna
Tue Apr 30, 2013 1:57 pm
 
Forum: Personal Consumer Issues
Topic: How to find a beach house rental?
Replies: 29
Views: 2086

Re: Individual 401 K

VG's small business/individual 401K product does NOT accept rollovers. Hmmmm. FWIW, I was able to rollover a previous i-401k with another vendor into a newly established VG I-401k without any problem about 2-3 years ago. So, I am surmising that the barrier is rolling over 401k plans that are not se...
by dianna
Tue Apr 30, 2013 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual 401 K
Replies: 13
Views: 1152

Family Vacations: Your Favorites, ages + tips requested!

I can think of few better places than bogleheads.org to turn to start to collect data on favorite family vacations. Please share some of your favorites (within the US and outside the US). Also, how old should the child(ren) be to optimally enjoy this trip? Do you have any tips to make the trip fun a...
by dianna
Tue Apr 30, 2013 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Family Vacations: Your Favorites, ages + tips requested!
Replies: 31
Views: 2909

After-tax 401k steps: Is this a good plan?

Dear Bogleheads, After extensive research, we have verified that one's employer offers in-service rollovers from after-tax 401k contributions to a Roth IRA. Our accountant has reviewed all of the plan docs and also confirms that this is a go. Note that we max out all other options first (401ks, HSA,...
by dianna
Mon Apr 29, 2013 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: After-tax 401k steps: Is this a good plan?
Replies: 2
Views: 372

Re:

quarterstock, or anyone, whats the advantage of contributing after tax monies into a 401K plan? The only thing I can think of is the earnings grow tax free until withdrawn. Seems like very little advantage to tie up your savings when you could instead save and invest it at a discount firm that way ...
by dianna
Thu Apr 25, 2013 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: After Tax 401K Contribution
Replies: 65
Views: 16329

Re: Extra $32,500 in Roth IRA - too good to be true?

I'm bumping this to the top and hoping for some simplicity. Assuming you can max the $17K pre-tax and have a 50% company match. And you do a $5.5K backdoor Roth, how much more could you do after-tax through your 401K after tax and then roll out to a Roth, assuming you can do in-service withdrawals?...
by dianna
Wed Apr 24, 2013 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Extra $32,500 in Roth IRA - too good to be true?
Replies: 159
Views: 34441

Re: Extra $32,500 in Roth IRA - too good to be true?

I'm bumping this to the top and hoping for some simplicity. Assuming you can max the $17K pre-tax and have a 50% company match. And you do a $5.5K backdoor Roth, how much more could you do after-tax through your 401K after tax and then roll out to a Roth, assuming you can do in-service withdrawals?...
by dianna
Wed Apr 24, 2013 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Extra $32,500 in Roth IRA - too good to be true?
Replies: 159
Views: 34441

Re: Any experience with Sonos sound system?

+1. Installed Sonos in office setting about 3 months ago and it was simple and with great sound quality. Have it connected wirelessly to Bridge device running an older model iPod Nano, looped on playlist. No fuss, no problems. Awesome music quality for the price, and very easy to use and install. Hi...
by dianna
Thu Apr 18, 2013 1:10 am
 
Forum: Personal Consumer Issues
Topic: Any experience with Sonos sound system?
Replies: 24
Views: 2936

Re: Do you discuss your estate with your future heirs?

This has been an interesting thread. The personalities of the elders as well as the children matter tremendously in these situations. As someone in her 40's, I have been the recipient of discussions about inheritance from my parents and my spouse's parents. In my family of origin, the discussions ha...
by dianna
Wed Apr 03, 2013 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you discuss your estate with your future heirs?
Replies: 38
Views: 2725

Re: Home loan for self employed

I have spoken to couple of brokers who are willing to help. But what they have proposed sounds to be borderline mortgage fraud. For example one of them suggested that I get a letter from any IT vendor showing a future 3 year contract even if that vendor has no intention hiring me. The IT vendor I h...
by dianna
Sat Mar 23, 2013 12:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Home loan for self employed
Replies: 8
Views: 736

Re: Home loan for self employed

Hi Learnfpga, I have felt your pain with this in the past. I am sorry that I am not able to offer specifics for the NJ market, but one approach that may be helpful is to identify someone who is 2-3 degrees of separation from you who is a mortgage broker/banker. Using a friend-of-a-friend mortgage br...
by dianna
Fri Mar 22, 2013 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home loan for self employed
Replies: 8
Views: 736

Re: Please review updated portfolio, plans and questions

Hi Chris, Congratulations on your achievements thus far. There are a few 'retirement' calculators on the internet that are available free of charge that may help you understand, via historical reference, the likelihood of being able to retire at a certain age with X% withdrawal and $Y saved. One exa...
by dianna
Fri Mar 22, 2013 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please review updated portfolio, plans and questions
Replies: 8
Views: 499

Re: 2013 coverdell limit

Thanks, Dianna, that is very helpful. If you don't mind me asking, where did you open the UTMA/UGMA accounts at? Was that through a regular bank, or also through Schwab? My plan is to do exactly what you're doing....keeping a minimum amount in each account except when putting money in for the Cover...
by dianna
Fri Mar 22, 2013 12:12 am
 
Forum: Investing - Theory, News & General
Topic: 2013 coverdell limit
Replies: 50
Views: 6060

Re: 2013 coverdell limit

It's very nice of you to do this for these kids. So here are my questions: 1. Any suggestions on where to set up the 3rd child's Coverdell account since I can't go through Vanguard? I still want to use Vanguard funds. I'm thinking Scottrade, but I really know nothing about them (or any other brokera...
by dianna
Thu Mar 21, 2013 9:51 am
 
Forum: Investing - Theory, News & General
Topic: 2013 coverdell limit
Replies: 50
Views: 6060
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