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Re: Vanguard direct rollover -- notary?

This year I moved a small amount of pre 87 post tax $, about 1K, from my Vanguard 401(k) to a Vanguard Roth and had to have that form notarized. Last year my DH transferred much larger sums , a six-figure old 401(k) from ING and a mid five figure rollover IRA at American Funds to his current 401(k) ...
by island
Thu Apr 17, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard direct rollover -- notary?
Replies: 4
Views: 308

Re: What is your net worth

tainted-meat wrote:
pennstater2005 wrote:Negative. Now I'm depressed.



I almost fell out of my chair when I saw the results this poll. There are some mega wealthy people on here :D .

Don't be depressed about it. Many roads to Dublin as they say :beer


Don't believe everything you read.
by island
Thu Apr 17, 2014 12:43 am
 
Forum: Investing - Theory, News & General
Topic: What is your net worth
Replies: 37
Views: 5330

Re: Toaster Ovens

We had a little Black & Decker that was great, finally died last year after at least 15 years of use. Searched high and low for something comparable. Didn't care what it cost, just needed a decent size one that fit in my appliance garage. Breville, Cuisinart and other pricey ones were too tall o...
by island
Wed Apr 16, 2014 1:14 am
 
Forum: Personal Consumer Issues
Topic: Toaster Ovens
Replies: 15
Views: 929

Re: Woodpeckers...I'm desperate!

Any chance it's going after insects living in the wood?
by island
Sat Apr 12, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3384

Re: Do I have too littled invested to diversify?

Johm221122 wrote:
BL wrote:
(with a tiny match, so she wont fund it too much


Every dollar she puts in reduces your current joint taxable income by that amount, so it is important. Does she have any low-cost funds such as index funds under 0.5%ER available?

+1


+2
The match is secondary
by island
Sat Apr 12, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Do I have too littled invested to diversify?
Replies: 15
Views: 858

Re: Improvement needed

Are you working, have access to a 401K or other tax deferred retirement plan at work and any good low cost funds in it?
by island
Fri Apr 11, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Improvement needed
Replies: 42
Views: 1700

Re: Do you think the biotech sector will be hurt long term?

....I personally would not invest in any biotech company or a a biotech sector fund or ETF except through the broad market index funds such as Total US Stock Market, Total Int'l Stock Market, US small-cap value index, Foreign small-cap index … unless I had very inside information, which I don't.......
by island
Thu Apr 10, 2014 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: Do you think the biotech sector will be hurt long term?
Replies: 32
Views: 1647

Re: Paying off Mortgage, re-title to revocable trust or not

Putting the house in a trust will avoid dealing with that asset in probate which is $$$$ in CA. Just starting to look into it myself so can't give you details.
by island
Wed Apr 09, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off Mortgage, re-title to revocable trust or not
Replies: 6
Views: 674

Re: How to get parents on a better path

Are the siblings working so they can help pay back the high interest school loans taken out for their benefit?
by island
Wed Apr 09, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: How to get parents on a better path
Replies: 14
Views: 1105

Re: Any way to auto save a draft?

....And unlike Phineas, I find that the second time I (re)write something, it is not as good. I always know I left out something or worded it better..... RM I'm with you ResearchMed. Mine isn't as good either and I suspect part of that is I'm ticked off about having to start over and I usually don'...
by island
Mon Apr 07, 2014 4:45 pm
 
Forum: Forum Issues and Administration
Topic: Any way to auto save a draft?
Replies: 14
Views: 468

Re: California Taxes - Am I Missing Something?

@island, unless your situation is complex, consider using the NOLO Press book on living trusts and doing it yourself. Even if you end up hiring an attorney, reading the book helps you think through your choices. Kevin Thanks Kevin. Appreciate that info. Read so many threads here about bungled trust...
by island
Mon Apr 07, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7898

Re: California Taxes - Am I Missing Something?

Kevin M wrote:
island wrote:<snip> ... probate costs will have many rolling over in their graves

Easily avoided with a living trust.

Kevin


Yes definitely. I'm trying to get on that now. Thanks for reminding me I need to post to ask if any San Diegan's can recommend an attorney for that.
by island
Mon Apr 07, 2014 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7898

Re: California Taxes - Am I Missing Something?

With a Tesla you actually get a break because you don't pay gas taxes. Maybe that's why they are so popular in CA. Interesting. Should have picked another fancy car, just couldn't think of any! A Lamborghini? Actually the difference between a basic car an a Lexus or BMW is enough to make me pause, ...
by island
Mon Apr 07, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7898

Re: Any way to auto save a draft?

Thanks everyone. Glad to know I'm not alone and will try your suggestions.

And to clarify, I was logged in to begin, but you're saying if I choose the log me on automatically it will keep me logged in?
by island
Mon Apr 07, 2014 2:46 pm
 
Forum: Forum Issues and Administration
Topic: Any way to auto save a draft?
Replies: 14
Views: 468

Re: California Taxes - Am I Missing Something?

Oh yes, how could I forget what others mentioned.... The state tax on investments in taxable accounts. Really makes me wish I knew about tax efficient placement long ago. TimeRunner mentioned the vehicle registration. That's a pet peeve of mine. Other states you can drive a beater or a Tesla and you...
by island
Mon Apr 07, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7898

Re: California Taxes - Am I Missing Something?

Don't think there is much estate or inheritance tax, but probate costs will have many rolling over in their graves and the taxes while you're alive are steep. I don't know about "marginalized" tax rate, but the 9.3% state income tax kicks in at a fairly low income. Low by CA standards anyw...
by island
Mon Apr 07, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: California Taxes - Am I Missing Something?
Replies: 142
Views: 7898

Any way to auto save a draft?

I was just responding to a post requesting travel info and it took some time because I was adding links I thought would be helpful. I was logged in and when I went to submit it asked me to log in again and when I did everything I wrote was gone! What a waste of time and effort. :annoyed Back button ...
by island
Mon Apr 07, 2014 1:26 pm
 
Forum: Forum Issues and Administration
Topic: Any way to auto save a draft?
Replies: 14
Views: 468

Re: Outage on 4/5/2014?

VictoriaF wrote:I thought it was brought down by High Frequency Traders threatened by the public exposure in a widely-read Forum.

Victoria


I assumed cyber attack by those requesting HTTPS support. :twisted:

Kidding of course; I have no idea what that is!
by island
Sun Apr 06, 2014 1:27 pm
 
Forum: Forum Issues and Administration
Topic: Outage on 4/5/2014?
Replies: 14
Views: 1060

Re: Unexpected dental bill

We had a similar years ago. Family member needed a crown we paid a large deposit up front and anticipated a refund because our dental plan covered 80% for that type of procedure, however no refund. Fine print: 80% of standard and customary and that tooth needed some extra prep or restoration before ...
by island
Fri Apr 04, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unexpected dental bill
Replies: 22
Views: 2211

Re: Options for the medical grad but no residency

I'm a PGY-5 resident, and I'm just gonna put it bluntly. Somewhere in the mass of failed applicants to her medical school was an equally qualified individual ..... The same could be said for every higher education or job applicant. She earned the spot, it's her choice to do what she wishes with her...
by island
Wed Apr 02, 2014 11:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7152

Re: BH Vacations

OP how about starting by telling us your age and what kind of vacation you'd like and activities and destinations that interest you.
by island
Mon Mar 31, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: BH Vacations
Replies: 50
Views: 3186

Re: Need help with time share offer

NO run the other way! Timeshares are for suckers. Timeshares are one of those things that fit the sayings meant to be sold rather than bought and if it sounds to good to be true, it is. Long after you're over the same ski vacation in the same place and the kids are grown and doing their own thing, y...
by island
Mon Mar 31, 2014 3:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Need help with time share offer
Replies: 22
Views: 1528

Re: Need advice on 401k fund picks for 3 fund lazy portfolio

Employer sponsored 401K?
What funds do you have to choose from; can you please list them and their ERs?
by island
Sun Mar 30, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on 401k fund picks for 3 fund lazy portfolio
Replies: 7
Views: 475

Re: New Friends are the Anti-Bogleheads, what to do?

"Help them"?
How they spend their money is there business; stay out of it.
by island
Sun Mar 30, 2014 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: New Friends are the Anti-Bogleheads, what to do?
Replies: 93
Views: 8403

Re: S&P 500 DEAD forever!!!

22twain wrote:If the Big Ten can have 14 colleges/teams beginning next fall, the S&P 500 can have 501 tickers, as far as I'm concerned. :wink:

Ha that's what I was thinking!
by island
Fri Mar 28, 2014 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 DEAD forever!!!
Replies: 13
Views: 2718

Re: Donor Advised Funds

What happens to the DAF after you die and don't have heirs that want to continue to manage it? Do you have instructions in your will or trust pay out all the funds at one time according to your wishes or will Vanguard, Fidelity, etc continue to manage it over time according to your instructions unti...
by island
Fri Mar 28, 2014 11:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 56
Views: 2042

Re: Donor Advised Funds

I may not have all the "details" 100% correct/precise, but an advantage of a DAF over an actual private "foundation" is the situation where it is your desire and plan to have a relatively large balance remain undistributed (or perhaps have small distributions) over many years. A...
by island
Thu Mar 27, 2014 11:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 56
Views: 2042

Re: Donor Advised Funds

As I was just considering donor advised funds, this thread is very helpful. However, I am a small-time giver. I try to give away $2K-$3K every year, generally to several charities, so $100-$500 for each. The Fidelity program looks great for small minimums/small donations. And easy record keeping, e...
by island
Thu Mar 27, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 56
Views: 2042

Re: Can I Backdoor Roth BEFORE rolling TIRA to 401k?

I'm referring to the sizable TIRA that he already owns that hasn't made it into his 401K yet. Which doesn't come into play until the conversion is made which can't be in 2013 as that year is past and the conversion hasn't been made so the soonest it could be a problem is 2014. Right, but the OP sai...
by island
Thu Mar 27, 2014 2:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I Backdoor Roth BEFORE rolling TIRA to 401k?
Replies: 24
Views: 1171

Re: Can I Backdoor Roth BEFORE rolling TIRA to 401k?

I'm referring to the sizable TIRA that he already owns that hasn't made it into his 401K yet. Which doesn't come into play until the conversion is made which can't be in 2013 as that year is past and the conversion hasn't been made so the soonest it could be a problem is 2014. Right, but the OP sai...
by island
Thu Mar 27, 2014 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I Backdoor Roth BEFORE rolling TIRA to 401k?
Replies: 24
Views: 1171

Re: Can I Backdoor Roth BEFORE rolling TIRA to 401k?

placeholder wrote:
island wrote:I think he missed the boat for 2013, pro rata rule still applies, if the $ was still in the TIRA on 12/31/13.

No because the conversion hasn't been done yet nor for that matter the contribution.


I'm referring to the sizable TIRA that he already owns that hasn't made it into his 401K yet.
by island
Wed Mar 26, 2014 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I Backdoor Roth BEFORE rolling TIRA to 401k?
Replies: 24
Views: 1171

Re: Can I Backdoor Roth BEFORE rolling TIRA to 401k?

I think he missed the boat for 2013, pro rata rule still applies, if the $ was still in the TIRA on 12/31/13.
by island
Wed Mar 26, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I Backdoor Roth BEFORE rolling TIRA to 401k?
Replies: 24
Views: 1171

Re: Do I need to file form 8606 for my Roth conversion?

This is my first tax year since becoming a Boglehead, so it's the first time I've filed taxes since learning about the back-door Roth. I'm not completely clear on whether or not I need to file a form 8606 this year. Here's my situation with rounded numbers for simplicity: My Vanguard TIRA contribut...
by island
Tue Mar 25, 2014 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to file form 8606 for my Roth conversion?
Replies: 6
Views: 592

Re: Donor Advised Funds

I have one with Vanguard and one with Fidelity. I like Vanguard for the lower costs. Use them for major gifts to our alma maters. I like Fido for the lower grant minimum of $50. Use them for supporting friends and neighbors who do cancer runs, bike MS, etc. Both plans are excellent. Great thread. I...
by island
Tue Mar 25, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Funds
Replies: 56
Views: 2042

Re: Confused about gifting, estate taxes, and trusts

Did you read bsteiner's quote? As he points out, we don't know from the facts whether it is included in her estate. It depends on the terms of the trust. Inclusion in her estate or exclusion will determine whether there is a new basis on her death (it can be stepped down, you know?). Inclusion in h...
by island
Sun Mar 23, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Confused about gifting, estate taxes, and trusts
Replies: 37
Views: 1879

Re: Options for the medical grad but no residency

slippingsloth wrote:Ya basically you must complete internship to get a state license.

To get board eligibility -> certification must complete residency.


Thank you for the info.
by island
Sun Mar 23, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7152

Re: Confused about gifting, estate taxes, and trusts

If the home is in the OP's grandmother's trust doesn't that guarantee it's part of her estate? And if it is, did it get a step up basis at the time of her husband's death and if so is the step up in value generally recorded somewhere or need to be known when she passes? Will it get another step up ...
by island
Sun Mar 23, 2014 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Confused about gifting, estate taxes, and trusts
Replies: 37
Views: 1879

Re: Options for the medical grad but no residency

I don't know the process. Does one have to complete residency or a certain amount of residency to get licensed? Requirements vary by state? I realize "Doctor" isn't exclusive to physician, but if one never practiced or got licensed does one typically still use the title "Doctor"...
by island
Sun Mar 23, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7152

Re: Options for the medical grad but no residency

I don't know the process. Does one have to complete residency or a certain amount of residency to get licensed? Requirements vary by state? I realize "Doctor" isn't exclusive to physician, but if one never practiced or got licensed does one typically still use the title "Doctor",...
by island
Sun Mar 23, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7152

Re: Confused about gifting, estate taxes, and trusts

The Federal estate tax exempt amount is $5,340,000, so it's unlikely that there will be any Federal estate tax under any circumstance. This changes the planning for smaller estates that would have paid Federal estate tax when the exempt amount was smaller The Massachusetts estate tax exempt amount ...
by island
Sun Mar 23, 2014 7:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Confused about gifting, estate taxes, and trusts
Replies: 37
Views: 1879

Re: Confused about gifting, estate taxes, and trusts

Interesting discussion I'm learning from. I too was wondering about your grandmother. I take it her children have not talked to her about not understanding the terms of her trust? Why not? She made them the trustees so couldn't they have a conversation with her to request that she consult with an at...
by island
Sat Mar 22, 2014 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Confused about gifting, estate taxes, and trusts
Replies: 37
Views: 1879

Re: Options for the medical grad but no residency

Texas hold em71 wrote:Hospitals employ nurses to do utilization review and care coordination. As far as I understand, having an MD would be helpful in these roles.


An MD who has never practiced would be a better fit for care coordination over a well trained experienced RN who has? Don't think so.
by island
Sat Mar 22, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7152

Re: Should we take advantage of after tax 401k?

Thanks, I will look into it closer. I just didn't want the situation where the money gets taxed twice (going in and coming out). We do have the cashflow to make the extra contribution but I am a little bit concerned with having too much in tax deferred and not enough in taxable (yes I know about 72...
by island
Sat Mar 22, 2014 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Should we take advantage of after tax 401k?
Replies: 11
Views: 902

Re: (humor) Bank of America Existential Rewards Card

Luv The Onion! Thanks for the chuckle. :mrgreen:
by island
Sat Mar 22, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: (humor) Bank of America Existential Rewards Card
Replies: 5
Views: 585

Re:

LynnC wrote:I just hit the ############key.

LynnC

What does this do? Never heard of it.
by island
Sat Mar 22, 2014 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Telephone Harassment
Replies: 36
Views: 5120

Re: Looking for alternative to ING/Capital One

Try Barclays. They pay .90% for an online savings account. Here is the link: https://www.banking.barclaysus.com/index.html I've been using them for a while now and I am very happy. Easy to open and manage online. :moneybag + 1 We also bank at CIT which is at .95% for 25K balance. http://bankoncit.c...
by island
Sat Mar 22, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Looking for alternative to ING/Capital One
Replies: 8
Views: 916

Re: Monthly non retirement savings (Poll)

Does savings include stashing it in taxable investment accounts or are you talking about just basic bank savings and money market accounts?
by island
Wed Mar 19, 2014 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Monthly non retirement savings (Poll)
Replies: 12
Views: 1130

Re: Children: Are they worth every penny?

Wait, I remember your name from another thread. The one about your husband wanting to retire to an island ASAP, while you continue on as the breadwinner? He wanted to escape to what he assumes will be a less stressful existance and so what if the kids have to fend for themselves for college? But now...
by island
Wed Mar 19, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Children: Are they worth every penny?
Replies: 68
Views: 4594

Re: I bought a rosé this week...

Because life is short. Had never bought a rosé before... Julia's Dazzle Pinot Grigio rosé at Costco for a pretty good price, $13 or something. It's nice, refreshing, not very complex, but good for the milder spring weather we've been having. At work and in my personal life recently I've seen too mu...
by island
Wed Mar 19, 2014 1:57 am
 
Forum: Personal Consumer Issues
Topic: I bought a rosé this week...
Replies: 35
Views: 3504

Re: I bought a rosé this week...

CABob wrote:You mean you are taking the time to smell the roses and taste the rosés.
:sharebeer

Good one Bob!
by island
Wed Mar 19, 2014 1:55 am
 
Forum: Personal Consumer Issues
Topic: I bought a rosé this week...
Replies: 35
Views: 3504
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