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Re: AMT Avoidance

Think of it as a badge of honor - it means you make enough to pay AMT. (But not enough to NOT pay AMT). Ha. A glass half-full perspective for sure. Is the AMT due to timing item (such as depreciation)? I wouldn't expect AMT in your situation, but if you lost $5000 on the rental property according t...
by jcnelsn1
Fri Feb 01, 2013 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: AMT Avoidance
Replies: 12
Views: 1302

AMT Avoidance

I have done some searching and do not think there is much I can do, but.... I did some projections and it looks like I will owe about $5,000 of AMT for 2012. I am using the standard deduction. 33% bracket federal, 4.2% state. Vast majority of my income is from wages, with some passive loss (few thou...
by jcnelsn1
Thu Jan 31, 2013 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: AMT Avoidance
Replies: 12
Views: 1302

Re: Getting Canadian $

I travel to Canada yearly. I cannot recall a time when a place would not take US Dollars, and it has been 1 for 1 the past 2 years. This is in rural areas on the Canadian prairie. May be different in other parts. Usually not worth the hassle looking for a place to convert.
by jcnelsn1
Fri Jan 11, 2013 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting Canadian $
Replies: 30
Views: 1191

Re: Vanguard Extended Market Index in Taxable

I have total international now in my taxable too. I will look at future Roth going to extended market going forward, but it sounds like extended market in taxable is a decent choice as well. Thanks
by jcnelsn1
Fri Jan 11, 2013 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Extended Market Index in Taxable
Replies: 5
Views: 483

Vanguard Extended Market Index in Taxable

All, this is my second post. I really appreciate the responses and help I got on my first try. My question is whether the Vanguard Extended Market Index (VEXMX) is appropriate for holding in a taxable account. Basically my 401(k) options are forcing me to hold the Vanguard S&P index fund and a P...
by jcnelsn1
Fri Jan 11, 2013 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Extended Market Index in Taxable
Replies: 5
Views: 483

Re: Creating Lazy Portfolio in 401(k) Plan

Well I think I pretty much got this all straightened out. I moved everything in my 401(k)/pension to the S&P Index fund and the PIMCO bond fund. I opened an IRA for myself and funded it for 2012 and 2013 and an IRA for my wife. That money is currently set to go in the prime money market fund, bu...
by jcnelsn1
Thu Jan 03, 2013 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Creating Lazy Portfolio in 401(k) Plan
Replies: 17
Views: 2346

Re: Creating Lazy Portfolio in 401(k) Plan

Well i hope to implement my plan and these suggestions next week. Thanks for the help.
by jcnelsn1
Fri Dec 21, 2012 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Creating Lazy Portfolio in 401(k) Plan
Replies: 17
Views: 2346

Re: Creating Lazy Portfolio in 401(k) Plan

Retiredjg. Thanks for the suggestions, much appreciated. I will give you more info. I am not intending to just dribble information out, I guess I was initially nervous about providing too much info online. My apologies. I can see where you have some assumptions about my real estate investments, but ...
by jcnelsn1
Tue Dec 18, 2012 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Creating Lazy Portfolio in 401(k) Plan
Replies: 17
Views: 2346

Re: Creating Lazy Portfolio in 401(k) Plan

I have no issue holding international in a taxable account. Not to get off topic, but..... Does a plan sponsor usually have a say in what funds are available or is that limited by the plan administrator? In other words, could my work add better low cost index funds if it wants to? If so, that would ...
by jcnelsn1
Mon Dec 17, 2012 10:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Creating Lazy Portfolio in 401(k) Plan
Replies: 17
Views: 2346

Re: Creating Lazy Portfolio in 401(k) Plan

Welcome to the forum! In order to help you do that, we need to know just what you and your spouse have now. Are there any IRAs? Roth IRAs? Money in a taxable account that is set aside for retirement? We also need to know your tax bracket and some other stuff. Please see the link below called Asking...
by jcnelsn1
Sun Dec 16, 2012 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Creating Lazy Portfolio in 401(k) Plan
Replies: 17
Views: 2346

Re: Creating Lazy Portfolio in 401(k) Plan

Thank you (the link to the site shwoing how to approximate Vanguard total stock is helpful). I added the "net expense ratio" for each of the funds to my post above. I guess what I am hoping to do is to replicate to the extent possible Vanguard Total Bond (VBMFX), Vanguard Total Stock Marke...
by jcnelsn1
Sat Dec 15, 2012 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Creating Lazy Portfolio in 401(k) Plan
Replies: 17
Views: 2346

Creating Lazy Portfolio in 401(k) Plan

All, Thanks in advance for any help. I am interested in creating a 3 or 4 fund balanced portfolio in my 401(k) and pension plan at work. My company contributes 7% of my pay to the pension plan and 3% to the 401(k). I contribute the maximum to the 401(k). I am in my early 30s. Investment options are ...
by jcnelsn1
Sat Dec 15, 2012 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Creating Lazy Portfolio in 401(k) Plan
Replies: 17
Views: 2346

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