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Re: Beware any overpayment from a plan!

The link requires membership in Morningstar Advisor.
by jsl11
Wed Mar 25, 2015 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Beware any overpayment from a plan!
Replies: 2
Views: 555

Re: How should we split money between spouses' IRAs?

Of course, if you can afford it, the answer is to max out both spouse's IRAs.
by jsl11
Wed Mar 25, 2015 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should we split money between spouses' IRAs?
Replies: 7
Views: 731

Re: TIRA income limit because of pension plan

Since your contribution to the TIRA is after tax money, you can roll it into a Roth (no limit on income for this). If you have no other TIRA accounts, you will only have to pay tax on any earnings in the TIRA. You do not say if your contribution last year was for 2013 or 2014 (contributions for the ...
by jsl11
Tue Mar 24, 2015 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: TIRA income limit because of pension plan
Replies: 6
Views: 248

Re: Fish from Costco?

Costco has both fresh and frozen fish located in different parts of the store. If you don't find what you want in one of those departments, be sure to check the other one.
by jsl11
Mon Mar 23, 2015 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Fish from Costco?
Replies: 31
Views: 3575

Re: RMD Vanguard state tax withholding

If you take the RMD in December, there is no withholding until then. That could make it worse for the state. So, it can be a plus, neutral, or a negative for the state. The way it is now is just makes it inconvenient for some Vanguard clients. Since Vanguard is already set up to do this for other st...
by jsl11
Sun Mar 22, 2015 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Vanguard state tax withholding
Replies: 12
Views: 636

Re: RMD Vanguard state tax withholding

I have been complaining to Vanguard about this. I have been told that Vanguard will withhold state income taxes for states that require them to do so. However, if a state does not have such a requirement, Vanguard will not withhold for that state. My state does not have such a requirement. So, I hav...
by jsl11
Sun Mar 22, 2015 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Vanguard state tax withholding
Replies: 12
Views: 636

Re: Tricky-to-categorize assets

I don't distinguish between after tax and pretax. For I bonds, stable value funds, longer CDs etc., I would call them cash if I plan to withdraw within a year or two. If I plan to keep them longer term, I call them bonds. I would call all real estate investments real estate, to differentiate it from...
by jsl11
Sun Mar 22, 2015 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tricky-to-categorize assets
Replies: 11
Views: 366

Re: Tricky-to-categorize assets

I would suggest that you should categorize the assets in whatever way makes the most sense to you. You do not need to justify or explain it to anyone else.
by jsl11
Sun Mar 22, 2015 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tricky-to-categorize assets
Replies: 11
Views: 366

Re: Regular contributions to taxable

The problem I see is that in a year's time when I rebalance in the tax-advantaged account, I will be unable to do so, because Vanguard will not let me buy new TSM or TISM funds because I had recently sold (which I would be doing every month.) There are ways to work around this. One way is to make y...
by jsl11
Sun Mar 22, 2015 1:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Regular contributions to taxable
Replies: 10
Views: 1251

Re: Splitting a Food Tab on a Combined Birthday Lunch

Divide the check in half. Then divide each half three ways.
by jsl11
Sat Mar 21, 2015 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 3493

Re: Ibonds and taxes

You only get the earnings when you redeem the bonds. When you redeem them, you will get a 1099 form and taxes will be due. They are taxed as ordinary income, not capital gains. As long as you hold them, there are no tax implications. At maturity, you must pay the taxes whether or not you redeem them.
by jsl11
Sat Mar 21, 2015 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ibonds and taxes
Replies: 5
Views: 701

Re: IRA Custodian Choice

Great info. Does it then matter who I go with if I don't actively manage my funds? I see Vanguard got low rating reviews for their IRAs, but would this matter if I don't manage them or trade them? What kind of reviews? Vanguard has only very low cost funds and there are over one hundred to choose f...
by jsl11
Fri Mar 20, 2015 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA Custodian Choice
Replies: 12
Views: 312

Re: Setting up Roth for clueless sibling

I would suggest try Vanguard again with a different customer rep. Vanguard is one place that will not try to take advantage of your sister by talking her into high cost products. Setting a Roth IRA should be a very simple process. At Vanguard, you can choose one of the Target Retirement Funds and ev...
by jsl11
Thu Mar 19, 2015 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Setting up Roth for clueless sibling
Replies: 25
Views: 1161

Re: Billed for road maintenance by home developer?

In my development, the developer and the city had an agreement that the roads would remain private (not transferred to the city). The roads were and are the property of the homeowner's association. During construction, the developer controlled the association. When all the houses were built, the dev...
by jsl11
Thu Mar 19, 2015 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Billed for road maintenance by home developer?
Replies: 17
Views: 1857

Re: How often to rebalance?

I prefer to rebalance whenever the allocation reaches a rebalancing band limit. If the limit is not reached, no action is necessary. This keeps the risk level within bounds. This makes more sense to me than doing it according to the calendar. Of course, this requires keeping track of the allocation.
by jsl11
Wed Mar 18, 2015 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often to rebalance?
Replies: 9
Views: 869

Re: Costco optical

DW and I get our glasses at Costco and are very satisfied. The quality and service are first rate, and the cost is very low. For example, my bifocals and titanium frames cost less than $200.
by jsl11
Wed Mar 18, 2015 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Costco optical
Replies: 30
Views: 3151

Re: Best job offer: startup vs spinoff?

If your user name is your real name, you may wish to change it for privacy reasons. It might not be good for you if your present employer knew you were considering leaving.
by jsl11
Tue Mar 17, 2015 10:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best job offer: startup vs spinoff?
Replies: 18
Views: 1781

Re: excess cash flows - to mortgage?

Your mortgage is 2.9%. If you think your investment results over the next 12 years will be better than 2.9% after taxes, then you should just keep the mortgage and invest according to your total asset allocation. If you feel that you cannot do better than 2.9%, then you should direct money towards t...
by jsl11
Sun Mar 15, 2015 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: excess cash flows - to mortgage?
Replies: 10
Views: 889

Re: What won't you pay with Credit Card?

Duplicate bridge entry fees are cash only.
by jsl11
Sat Mar 14, 2015 10:01 am
 
Forum: Personal Consumer Issues
Topic: What won't you pay with Credit Card?
Replies: 77
Views: 8124

Re: How to Really Drive Across the U.S. Hitting Major Landma

Gropes & Ray wrote:
Steelersfan wrote:Stop in Cleveland to see............nothing?


What else is there to see in Cleveland? The only sign of intelligent life there is a road sign that says "148 miles to Pittsburgh." :wink: :beer

Really? :annoyed
by jsl11
Fri Mar 13, 2015 9:52 pm
 
Forum: Personal Consumer Issues
Topic: How to Really Drive Across the U.S. Hitting Major Landmarks
Replies: 21
Views: 2087

Re: Recently retired - what to do with 401k

If you decide to roll your 401k into a new or existing IRA, there are two ways to do it. The right way is to do a trustee-to-trustee transfer. That means have your 401k plan send the money directly to your IRA trustee. If they send the check directly to you, have the check made out to your trustee F...
by jsl11
Fri Mar 13, 2015 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Recently retired - what to do with 401k
Replies: 7
Views: 892

Re: Debt management strategy questions

When you cannot decide which of two actions is best, sometimes it is better to do some of each. It does not have to be an all or nothing decision.
by jsl11
Fri Mar 06, 2015 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Debt management strategy questions
Replies: 8
Views: 347

Re: Sedan or SUV

If you are considering an Accord, I suggest also taking a look at a Camry. They are both excellent sedans, and some prefer the Honda and others prefer the Toyota. Test drive both and you will decide which you like. BTW, the 4 cyl Camry has excellent acceleration as well as good gas mileage.
by jsl11
Fri Mar 06, 2015 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Sedan or SUV
Replies: 22
Views: 1550

Re: Replacing [Oil] Filters: Time vs. Usage

cheese_breath wrote:
pshonore wrote:Trivia: Seem to recall my 53 Chevy did not have an oil filter.

Are you sure?

I had a 55 Chevy that did not have an oil filter. Another "quality" GM product. :annoyed
by jsl11
Fri Mar 06, 2015 11:27 am
 
Forum: Personal Consumer Issues
Topic: Replacing [Oil] Filters: Time vs. Usage
Replies: 41
Views: 2764

Re: New Homeowner Gift

A set of good quality tools is necessary for a homeowner. They never wear out and will be useful many times in the future.
by jsl11
Thu Mar 05, 2015 9:32 am
 
Forum: Personal Consumer Issues
Topic: New Homeowner Gift
Replies: 31
Views: 1670

Re: Wife doesn't want to retire - I do

I retired a few years before my wife did. It was my choice to retire, and her choice not to. There were no problems. It actually made things easier for her because I could do things during work hours and she did not need to be concerned about when they could get done. You should not have to work whe...
by jsl11
Sat Feb 28, 2015 11:20 am
 
Forum: Personal Consumer Issues
Topic: Wife doesn't want to retire - I do
Replies: 65
Views: 6085

Re: Are remote starters bad for cars?

.....
by jsl11
Fri Feb 27, 2015 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 41
Views: 2637

Re: What are Costco's best deals?

Watch the prices if you shop on Costco.com. The area rug I wanted was $269 in the store and $349 online. They build the "free shipping" into the price. Sometimes it is more, sometimes less, and sometimes the same. Sometimes the merchandise is the same, and other times it is different. Som...
by jsl11
Fri Feb 27, 2015 12:01 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19903

Re: Are remote starters bad for cars?

I would be worried about the effect on the engine by warming at idle in the winter. When the engine is cold, lubrication is at its worst, and you would be prolonging operation with poor lubrication. As I recall, auto owners manuals suggest immediately after starting to drive at moderate speeds to wa...
by jsl11
Fri Feb 27, 2015 12:38 am
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 41
Views: 2637

Re: What are Costco's best deals?

[quote="dm200"]What I get a COSTCO are:
6. [Sometimes} tuna fish (Chicken of the Sea Chunk light]

I suggest trying the Kirkland Signature Brand of albacore tuna. It is more expensive, but much better.

Jeff
by jsl11
Thu Feb 26, 2015 10:02 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19903

Re: What are Costco's best deals?

Anything that you don't mind buying a ton of. And the winner is Easy Rhino. :D On a per unit basis, Costco has the best deal on everything. The only things that I choose not to buy at Costco are things that I don't want in bulk OR I don't like the supplier they use. Not everything is bulk sizes at ...
by jsl11
Thu Feb 26, 2015 3:33 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19903

Re: IRA Investment

It also helps to provide fund names. Not everyone recognizes the symbols.
by jsl11
Thu Feb 26, 2015 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA Investment
Replies: 7
Views: 491

Re: 401(k) Rollover/Rollout Options During Merger/Acquisitio

I worked for a small division of a medium sized company that was "spun off" to be a separate entity. We had to start a new 401k for the "new" company, even though everyone kept their old jobs. We were not allowed to withdraw, and even then, our whole new plan had only amount $1M ...
by jsl11
Thu Feb 26, 2015 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Rollover/Rollout Options During Merger/Acquisition?
Replies: 6
Views: 436

Re: Which Car? struggling to decide

This maybe belongs on the financial mistakes thread - but I bought a new car in 2007 (a Honda - pretty reasonable). I put very little down and had it financed for 4 years. The car itself has been pretty great and low cost as far as maintenance and upkeep - over 100k miles on it now. I know I spent ...
by jsl11
Thu Feb 26, 2015 9:54 am
 
Forum: Personal Consumer Issues
Topic: Which Car? struggling to decide
Replies: 45
Views: 2866

Re: Learning Taxable Accounts

If you buy a fund in a taxable account for 10k and it pays out a $300 dividend, that dividend is taxable income (although the rate may be zero). You may take that dividend in cash, in which case you still have your original cost basis of 10k. However, if you reinvest the dividend, your cost basis is...
by jsl11
Wed Feb 25, 2015 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: Learning Taxable Accounts
Replies: 5
Views: 661

Re: Housing decision - Is my rate rise concern justified?

Ok, here is an opinion. The size of your house is not a problem. Two girls per bedroom should not be a problem. It teaches them to share. Each child does not need their own bedroom. The only real problem I see is the school district. So, perhaps you can move to a better school district, but to a hou...
by jsl11
Wed Feb 25, 2015 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Housing decision - Is my rate rise concern justified?
Replies: 1
Views: 342

Re: [How do I invest with] Vanguard

Vanguard has lots of phone numbers. The one they show for "New to Vanguard" is 800-252-9578
by jsl11
Wed Feb 25, 2015 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: [How do I invest with] Vanguard
Replies: 5
Views: 685

Re: Convincing older relative to open online savings account

I would suggest keeping things as simple as possible. Perhaps his current bank has other savings accounts available, perhaps with minimum initial contribution amounts. Look at the various offerings of this bank and see what is offered.
by jsl11
Wed Feb 25, 2015 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Convincing older relative to open online savings account
Replies: 34
Views: 1536

Re: Vanguard dividend received as cheque

Most likely, when you sold the fund, your preferences disappeared. You should re-enter your preferences for distributions.
by jsl11
Wed Feb 25, 2015 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard dividend received as cheque
Replies: 6
Views: 525

Re: Vanguard

Here you go: www.vanguard.com
by jsl11
Wed Feb 25, 2015 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: [How do I invest with] Vanguard
Replies: 5
Views: 685

Re: contributing to my roth ira

Toons wrote:It factors in any contributions you have already made.

This would apply only to contributions made at Vanguard. If you should have another IRA elsewhere, Vanguard would not be aware of it.
by jsl11
Wed Feb 25, 2015 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: contributing to my roth ira
Replies: 5
Views: 409

Re: Which Car? struggling to decide

If you have not already done so, test drive an Accord and a Camry. They are both a lot nicer than one might think. If you want more luxury, look at those with the option packages.
by jsl11
Wed Feb 25, 2015 2:45 pm
 
Forum: Personal Consumer Issues
Topic: Which Car? struggling to decide
Replies: 45
Views: 2866

Re: What are Costco's best deals?

Lon wrote:I did not know that Costco sold furniture. I just purchased a quality Chaise Sofa Bed for my apartment for $600+

If you look at their web site, you will find many items not available in the stores. http://www.costco.com
by jsl11
Wed Feb 25, 2015 12:25 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19903

Re: Why does Vanguard sell anything other than SP500 Index f

Here is another example: Let's say you hold an S&P 500 fund in your 401k. You also want a foreign stock fund, but the one in your 401k is too expensive. So, you want to put that fund in your IRA instead. So, you go to Vanguard, open an IRA, and put Total International Stock Fund in it. In short,...
by jsl11
Wed Feb 25, 2015 11:15 am
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard sell anything other than SP500 Index fund?
Replies: 18
Views: 1885

Re: Admiral Shares vs ETFs for stocks

For example, you only have $5k to put towards Total Stock Market. Since you don't have $10k to get the low 0.05% expense ratio from Admiral shares, then it would be more cost effective to buy the ETF version for 0.05% fee instead of the investors version (VTSMX) for 0.17% expense ratio. The Investo...
by jsl11
Wed Feb 25, 2015 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Admiral Shares vs ETFs for stocks
Replies: 10
Views: 908

Re: Picking a Vanguard fund

When looking at average annual returns for Vanguard funds, does the return take the expense ratio into account? In other words, does a fund that returns say 10% but has an expense ratio of .50% yield a better return than a fund that returns 9.5% with an expense ratio of .05%? Thanks!! The reported ...
by jsl11
Tue Feb 24, 2015 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Picking a Vanguard fund
Replies: 7
Views: 838

Re: What are Costco's best deals?

It is not promoted, but Costco has unadvertised specials throughout the store. They can be recognized by the prices ending in 97 cents, such as $2.97. The only way you can find them, is to walk up and down the aisles until you see them. Of course, that is exactly why Costco does this. You are almost...
by jsl11
Tue Feb 24, 2015 8:00 pm
 
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 220
Views: 19903

Re: Breaking up with a Financial Advisor help?

You don't "break up" with a financial advisor, you just fire them. ... Oh, its a break-up alight - because someone was getting screwed!!! I'm still amazed that 5% front end loads aren't criminal. "Hey, here's $10,000 to invest in XYZ fund." - screw-ee "Great choice, you now...
by jsl11
Tue Feb 24, 2015 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Breaking up with a Financial Advisor help?
Replies: 17
Views: 1214

Re: Dealing with HMO and balance billing issues

Since you got such great service from your HMO, why don't you give their name? Others might want to patronize them.
by jsl11
Tue Feb 24, 2015 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dealing with HMO and balance billing issues
Replies: 12
Views: 653
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