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Favorite gadgets?

Aside from computer, phone and tablet, what are the favorite gadgets of the Bogleheads? I for one love my B&W headphones.
by huxbnw
Wed Mar 12, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Favorite gadgets?
Replies: 28
Views: 1667

Re: Windfall in NYC

[quote="livesoft"] i'm kinda curious why you all aren't "out of there" already. You know, retired philanthropists. There is a whole world out there beyond NYC. Fear of the unknown? [/quote] Good question (although not sure this is enough to be a philanthropist). We are in our ear...
by huxbnw
Tue Sep 17, 2013 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Windfall in NYC
Replies: 34
Views: 3553

Re: Windfall in NYC

Thanks for all the responses. We want to make a very reasonable choice here, in terms of a home that can serve our family for the next 20 years, while also saving a significant portion for retirement (and, as some have said, our childrens' education). One significant concern is the fact that the mar...
by huxbnw
Sun Sep 15, 2013 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Windfall in NYC
Replies: 34
Views: 3553

Re: Windfall in NYC

Thanks all, this is helpful information. To give some more details, because it sounds like many of you have more good ideas but need more info, the windfall is in the 4-6M range. We currently own our apartment that is worth around 1M, but are looking at buying a house. Houses in the areas we want to...
by huxbnw
Sat Sep 14, 2013 9:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Windfall in NYC
Replies: 34
Views: 3553

Re: Windfall in NYC

Thank you NS, that's very helpful.
by huxbnw
Sat Sep 14, 2013 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Windfall in NYC
Replies: 34
Views: 3553

Re: Windfall in NYC

We plan to continue working. Combined we make mid six figures and will hopefully be in the high six figures in 3-5 years. I want to maintain the option of retiring early (in 10-15 years), although I could see myself working in some capacity through my 60's and 70's. I have no desire to stop working ...
by huxbnw
Sat Sep 14, 2013 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Windfall in NYC
Replies: 34
Views: 3553

Re: Windfall in NYC

Very good question, Livesoft. We are confident that we can pay for all the carrying costs of the home.
by huxbnw
Sat Sep 14, 2013 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Windfall in NYC
Replies: 34
Views: 3553

Windfall in NYC

Hello Bogleheads. I just received a significant windfall. I live in NYC with my wife and two small children. I have read the Bogleheads wiki page on windfalls multiple times and am in no rush to spend. At the appropriate time, however, my wife and I plan to spend a significant portion of the windfal...
by huxbnw
Sat Sep 14, 2013 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Windfall in NYC
Replies: 34
Views: 3553

Re: Highlander Hybrid

Thank you for all the replies. Very interesting to hear that the Highlander Hybrid has a lot more power than the Prius. That would be a welcome change. The lack of pick-up is one of my only complaints about the Prius. I'm interested in the comment that the third row is roomy. I've heard the opposite...
by huxbnw
Mon Jun 17, 2013 5:46 pm
 
Forum: Personal Consumer Issues
Topic: Highlander Hybrid
Replies: 7
Views: 851

Highlander Hybrid

Does anyone have a Highlander Hybrid? Very interested in reactions about driving it over a period of months/years. I currently have a Prius and enjoy the gas mileage and reliability. But with a growing family (two kids for now) we need a larger car. Was looking at some of the luxury SUVs, but the Hi...
by huxbnw
Sun Jun 16, 2013 8:04 pm
 
Forum: Personal Consumer Issues
Topic: Highlander Hybrid
Replies: 7
Views: 851

Re: SUV recommendations

What are these BMS run flat tires? First I've heard of them. Right now the top three candidates for us are the Acura MDX, BMW X5 and Toyota Highlander (possibly hybrid). We'll also try out many of the other recommended options. Any views on the Lexus GX? We live in Brooklyn but take long day trips m...
by huxbnw
Tue May 07, 2013 10:35 am
 
Forum: Personal Consumer Issues
Topic: SUV recommendations
Replies: 51
Views: 4209

Re: SUV recommendations

I am a bit partial to the X5 based on superficialities (looks, etc.). But I can easily be swayed by better options. Thanks!
by huxbnw
Mon May 06, 2013 1:23 pm
 
Forum: Personal Consumer Issues
Topic: SUV recommendations
Replies: 51
Views: 4209

Re: SUV recommendations

Thank you for all the comments. Very helpful advice from the Bogleheads. We will now move the Toyota Highlander to the top few candidates based on the comments. We'll also look at the Infiniti, Nissan, Honda, Volvo and other options. My wife has vetoed the idea of a minivan. This vehicle is primaril...
by huxbnw
Mon May 06, 2013 1:22 pm
 
Forum: Personal Consumer Issues
Topic: SUV recommendations
Replies: 51
Views: 4209

SUV recommendations

My family (two kids under 5) is looking for an SUV that has a flip up third row. After a series of more budget cars, right now we are thinking of the BMW X5 or an Acura MDX, probably a certified pre-owned model but we could get new. Any other contenders to consider? We'll probably also look at the T...
by huxbnw
Sun May 05, 2013 8:05 pm
 
Forum: Personal Consumer Issues
Topic: SUV recommendations
Replies: 51
Views: 4209

401(k) for foundation

My wife is the only employee of a family foundation. Is there a way to create a solo 401(k) for this kind of organization? Any advice greatly appreciated.
by huxbnw
Wed May 01, 2013 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) for foundation
Replies: 0
Views: 208

Re: Investment Check-up and Roth IRA question

Thank you for the comments. The idea of one 529 is especially interesting for both children. Still not sure whether I should add the two new funds to the IRAs. Ultimately, it probably doesn't matter that much.
by huxbnw
Wed Mar 21, 2012 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Check-up and Roth IRA question
Replies: 4
Views: 385

Investment Check-up and Roth IRA question

Hello Bogleheads, I could use the collective expertise of the forum to critique my current investment plan. I'm a 32 year-old lawyer in Manhattan working for biglaw. Married (wife is 29) and have one child with another on the way this summer. Wife is a stay at home mom at present. We have 9-12 month...
by huxbnw
Tue Mar 20, 2012 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Check-up and Roth IRA question
Replies: 4
Views: 385

Changing from Roth 401(k) to Traditional 401(k)

With the year ending, I am thinking of switching from a Roth to traditional 401(k). I am 32, a lawyer and have been funding the Roth 401(k) (and Roth IRA) to the max for the last six years. My company's investment representative suggested that I diversify and hold both a Roth and Traditional 401(k) ...
by huxbnw
Tue Dec 27, 2011 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changing from Roth 401(k) to Traditional 401(k)
Replies: 3
Views: 277

Looking for CPA in NYC

I am interested in any good resources the Bogleheads community might have on finding a good CPA in NYC? My tax situation is getting just a bit too complex for TurboTax and I'd like an expert's help. Friends' recommendations are based on little more than a history of working together with a particula...
by huxbnw
Mon Oct 10, 2011 9:40 am
 
Forum: Personal Finance (Not Investing)
Topic: How do I find a good CPA?
Replies: 3
Views: 799

Taxes on 2009 IRA converted to Roth in 2010

Very basic question that I could not find a quick answer to: if I contribute to a 2009 traditional IRA (non-deductible) from January 1 to April 15, 2010, then convert to a Roth IRA before April 15, 2010, what are the tax implications? In other words, do I claim the conversion in my 2009 taxes (becau...
by huxbnw
Fri Feb 26, 2010 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxes on 2009 IRA converted to Roth in 2010
Replies: 3
Views: 643

[quote="dcfriedrich"] I used the IRS calculator the other day.. I believe that the answer to your question is that the "several thousand" listed in the output is referring to your total tax due for the year. After advising you to take 10 allowances, it will estimate your expected...
by huxbnw
Thu Feb 25, 2010 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: No More Interest-Free Loan: Increasing Allowances on W-4
Replies: 19
Views: 3561

http://www.financial-planning.com/news/529-plan-fight-266486

Thanks for your reply. I'm just a little worried about the NY plan longer term and wonder if it's worth it if I leave NY. In particular, I worry about it being operated by someone other than Vanguard. For instance I found this discussion about the NY 529 plan is up for rebid later in 2010: "Yet...
by huxbnw
Wed Feb 24, 2010 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard or New York 529?
Replies: 3
Views: 1861

Vanguard or New York 529?

Any recommendations whether a NY resident (who may likely move out of state in next 2-4 years) should start a Vanguard or New York 529? Is the only benefit to the NY 529 the state deduction? Are the cost/investment options significantly better on the Vanguard? Anything else to be aware of? Many than...
by huxbnw
Wed Feb 24, 2010 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard or New York 529?
Replies: 3
Views: 1861

Anyone know why the IRS calculator for the W-4 would tell me at the top that I would owe several thousand at the end of the year, but then suggest that I increase my allowances to 10-plus? (Also described above in a bit more detail.) Does the end of year tax burden on the calculator not take into ac...
by huxbnw
Wed Feb 24, 2010 7:58 am
 
Forum: Investing - Help with Personal Investments
Topic: No More Interest-Free Loan: Increasing Allowances on W-4
Replies: 19
Views: 3561

I just found the online W-4 calculator. Thank you. The conclusion makes no sense to me, which is probably because I'm no tax expert. According to the calculator, I will have a few thousand due since my "anticipated income tax" for 2010 is larger than what will be withheld from my paycheck....
by huxbnw
Tue Feb 23, 2010 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: No More Interest-Free Loan: Increasing Allowances on W-4
Replies: 19
Views: 3561

No More Interest-Free Loan: Increasing Allowances on W-4

For the past few years I have received a large refund on my federal and state taxes due primarily to the mortgage interest deduction. If possible, I'd like to avoid receiving this refund and increase my monthly take home. Is there a way, using an estimate of the mortgage interest I will pay in the y...
by huxbnw
Tue Feb 23, 2010 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: No More Interest-Free Loan: Increasing Allowances on W-4
Replies: 19
Views: 3561

What about small cap International?

Thanks retiredjg. Your comments are always very helpful.

If I'm also interested in FTSE All-World ex-US Small-Cap Index, should I put that or Small Cap Value in the Roth IRA? In other words, which one is better for taxable versus tax advantaged?

Thanks!
by huxbnw
Sun Feb 21, 2010 3:37 pm
 
Forum: Investing - Theory, News & General
Topic: New Roth IRA Allocation Question
Replies: 4
Views: 956

New Roth IRA Allocation Question

My wife (27) and I (30) are about to do a non-deductible (traditional) IRA to Roth IRA conversion in the coming weeks for 2009 tax purposes. We presently only invest in my 401(k) and taxable. We currently have a very straight-forward 3-fund portfolio (low 6 figures) of Total Bond, Total Stock Market...
by huxbnw
Sun Feb 21, 2010 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: New Roth IRA Allocation Question
Replies: 4
Views: 956

Tax form question

Quick tax question: if I plan to contribute to a non-deductible IRA then convert immediately to a Roth IRA (both via Vanguard), what tax forms do I need to file with my 2009 taxes? Just the form 8606? Anything else that I should be aware of when starting up this converted Roth IRA? This will be my f...
by huxbnw
Sun Feb 21, 2010 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Benefits of non-deductible IRA?
Replies: 8
Views: 2154

Understood. So in theory I would add $5,000 each year to a non-deductible IRA for both my wife and I, then immediately convert each year to a Roth IRA? That way, I assume that upon retirement we will pay no taxes when taking distributions. Will the Roth accounts be consolidated when I make the yearl...
by huxbnw
Mon Jan 18, 2010 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Benefits of non-deductible IRA?
Replies: 8
Views: 2154

Benefits of non-deductible IRA?

I believe I am ineligible for a deductible IRA because my employer offers 401(k) and Roth 401(k) and my income is over the limit. Pardon the very basic question, but what is the advantage of the non-deductible IRA? Should I plan on immediately converting it into a Roth and doing the same over the ne...
by huxbnw
Sun Jan 17, 2010 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Benefits of non-deductible IRA?
Replies: 8
Views: 2154

Thank you

Thank you to everyone who responded. This is all incredibly informative to a new investor/Boglehead. Most of these analyses make a lot of sense. What I'm struggling with is the following: how can one be sure that the one will always have enough in the tax-efficient account to sell bonds to buy stock...
by huxbnw
Thu Jan 14, 2010 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Difference between retirement and savings portfolios
Replies: 35
Views: 3619

Difference between retirement and savings portfolios

I've recently read (and thoroughly enjoyed) the Bogleheads' Guide to Investing. One question has me perplexed, dealing with tax efficient investing: what do people do if I want to save for retirement and have a long-term savings portfolio. My wife and I (both in late 20s) have 401(k)s and IRAs that,...
by huxbnw
Wed Jan 13, 2010 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Difference between retirement and savings portfolios
Replies: 35
Views: 3619

Thank you for the advice. It is much appreciated as I start a 30-plus year investment. Zotty, I understand that any choice to include bonds in a taxable account will necessarily be inefficient. What I have failed to uncover on Bogleheads is what one does to fully diversify both retirement and saving...
by huxbnw
Wed Jan 06, 2010 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing $100,000 in Vanguard in Q1 2010
Replies: 4
Views: 1961

Investing $100,000 in Vanguard in Q1 2010

I am a new and excited Bogleheads convert and am hoping to invest 100K in Vanguard within the next two months. Being a newbie, I could use some advice. This investment will be in a taxable account aimed at savings growth and not retirement, for which my wife and I both have 401(k)s and IRAs. I am 30...
by huxbnw
Wed Jan 06, 2010 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing $100,000 in Vanguard in Q1 2010
Replies: 4
Views: 1961

Does this apply even if the bonds are held in a taxable account?
by huxbnw
Wed Jan 06, 2010 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, TIPS, Treasuries
Replies: 3
Views: 1097

Goal for early 2010: read as much as I can about Bogleheads and then invest in Vanguard.
by huxbnw
Wed Jan 06, 2010 2:23 pm
 
Forum: Personal Consumer Issues
Topic: What are your New Years Resolutions / Goals?
Replies: 39
Views: 6228

[quote="Karamatsu"] The other thing about TIPS, I guess, as opposed to nominal bonds, is that they are really just insurance against unexpected inflation, yet it is precisely when that kind of inflation appears that their tax quirks becomes most problematic.[/quote] What kind of tax quirks...
by huxbnw
Wed Jan 06, 2010 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS in taxable accounts vs. Roth
Replies: 14
Views: 2002

Thanks for the links. Both of these articles were very interesting from a new investor/Boglehead standpoint. Any other gem new year/decade articles for us newbies?
by huxbnw
Wed Jan 06, 2010 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Another gem from Rick Ferri on Forbes.com today
Replies: 39
Views: 7338

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