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Re: Vanguard Total International (VTSAX) - Taxable Account

I always browse here, and then fret over something new I've just learned. I hadn't really thought about my actual tax bracket - as TurboTax says my Effective Rate is 11% just re-looked at my 1040 - Ordinary Divs = $46k Qual Divs = $39k and Cap Gains = $41k and I'm in the 28% bracket - so Ordinary ta...
by ps56k
Fri Apr 18, 2014 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2240

Re: Best funds for kids

couple of comments... Have you considered a 529 - for the potential college bound - and depending upon your state, you might get a state tax deduction. Next - the Vanguard Target Retirement funds - I was curious about the AA and the yearly progression, so I looked at all the TR funds and their AA. I...
by ps56k
Fri Apr 18, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best funds for kids
Replies: 6
Views: 596

Re: what bond funds to hold(Bernstein's Sheltered Sam)

I think an interesting topic is that of holding the TIPS fund - VIPSX - Do you see inflation as something to prepare for ? Should you hold TIPS, or just roll that into the Total Bond fund - VBMFX - and still sleep at night. I have VIPSX, and am still wrestling with holding, or not. As I look outside...
by ps56k
Fri Apr 18, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: what bond funds to hold(Bernstein's Sheltered Sam)
Replies: 7
Views: 884

Re: Vanguard Total International (VTSAX) - Taxable Account

I searched for calculator on that page and came up empty. Where on the page are you seeing Calculator? I was actually backtracking, trying to find the QDI from the URL... and stumbled onto the Calculator. Top Menu --> Insights --> Tax Center --> Info on Specific Vanguard Funds --> More --> scroll d...
by ps56k
Fri Apr 18, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2240

Re: A fund to go with VWINX/VWELX

not sure why you would have both of these asset allocation funds -
VWINX - conservative - stock/bond -- 38/61 - Wellesley
VWELX - moderate - stock/bond ----- 65/33 - Wellington
by ps56k
Fri Apr 18, 2014 12:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: A fund to go with VWINX/VWELX
Replies: 5
Views: 514

Re: Vanguard Total International (VTSAX) - Taxable Account

However, I just came across the Vanguard page for qualified distributions for each fund. tnx for that info & link - just went there, and from there clicked on the "Calculator" to see my actual Vanguard QDI amounts. https://personal.vanguard.com/us/QualifiedDivIncomeController?entryFro...
by ps56k
Fri Apr 18, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total International (VTSAX) - Taxable Account
Replies: 24
Views: 2240

Re: Child's Roth

Just curious--did the short term TIPS drop out after 2015, because there are only 4 numbers after 2015. I'm trying to understand the chart you posted. Thanks. Interesting to see how they calculate these things. yup - just checked - no TIPS used beyond 2015. I went thru each Vanguard Target Retireme...
by ps56k
Wed Apr 16, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1403

Re: Child's Roth

Well I have my 20 year old in Vanguard TR2050 and the 17 year old in TR2055, so TR2060 for a 5 year old sounds about right. I was curious about the AA and the yearly progression, so I looked at all the TR funds and their AA. It is not linear, but rather broad steps or plateaus for chunks of time. U...
by ps56k
Tue Apr 15, 2014 11:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Child's Roth
Replies: 27
Views: 1403

taxes - grad student - to claim as dep or not

Our son will be graduating UW/Madison next month, and heading off to another academic quest for a few more years. We still claim him, both for taxes and biology wise, along with filing his Fed and state 1040 taxes. He has limited Earned Income, but divs & cap gains from his Schwab Account. Also,...
by ps56k
Fri Apr 11, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: taxes - grad student - to claim as dep or not
Replies: 4
Views: 353

Re: suggest name change - Personal Consumer Issues & Securit

I was thinking about all the areas that "data security" revolves around our "investing" activities.... be it accessing websites, or locally with Quicken, turboTax, and the resulting files, passwords, fobs, with local hard drives vs cloud vs flash drives & encryption. Lots of ...
by ps56k
Thu Apr 10, 2014 5:55 pm
 
Forum: Forum Issues and Administration
Topic: suggest name change - Personal Consumer Issues & Security
Replies: 4
Views: 433

Re: Vanguard website & Heartbleed security flaw

there is a main thread in the Personal Consumer Issues forum area - Go there --->>
http://www.bogleheads.org/forum/viewtopic.php?f=11&t=136922&newpost=2023347

/*
//
by ps56k
Thu Apr 10, 2014 5:47 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16509

suggest name change - Personal Consumer Issues & Security

with the recent Heartbleed discussions, and you having to merge several threads..... I personally didn't know where to post this important info - so did coin toss - would like to suggest, since this stuff came up with Target and now with SSL that the "Personal" sub-forum get an additional ...
by ps56k
Thu Apr 10, 2014 5:12 pm
 
Forum: Forum Issues and Administration
Topic: suggest name change - Personal Consumer Issues & Security
Replies: 4
Views: 433

Vanguard website & Heartbleed security flaw

OK - did an overall search - https://www.google.com/search?sitesearch=bogleheads.org&q=heartbleed there is a main thread in the Personal Consumer Issues forum area - Go there --->> http://www.bogleheads.org/forum/viewtopic.php?f=11&t=136922&newpost=2023347 [Thread merged into here, see b...
by ps56k
Thu Apr 10, 2014 4:33 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16509

Re: Roth IRA - tax free - totally ?

yikes - this has really been interesting.... and now I have to keep going back & re-reading - Another thing popped into my head. What about using the potentially lower tax rate after retiring, and THEN doing the Roth Conversion, if it makes sense, when your tax rate might be really much lower th...
by ps56k
Tue Apr 08, 2014 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 2756

Re: Roth IRA - tax free - totally ?

Now, so we can isolate the IRA effect, let's keep everything else equal, so we'll say you're still paying 25% in income taxes. If you had chosen the Roth IRA you pull the $6,000 out tax-free. If you used the Traditional IRA you pull out $8,000, pay $2,000 in income taxes, and are left with $6,000. ...
by ps56k
Tue Apr 08, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 2756

Re: Roth IRA - tax free - totally ?

This is why there are IRAs and 401k/403b/etc. OK - Since we're here - what happens with a 403b ? This is the first year wife has contributed to her 403b. We are trying to use it to reduce our taxable income, and also add a little more for retirement. But then, where and how does it show up on the 1...
by ps56k
Tue Apr 08, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 2756

Re: Roth IRA - tax free - totally ?

tnx all -
it just didn't seem like the gains wouldn't get taxed at some point in time by the gov...
just seemed too good to be true :)

I was also concerned about keeping all the paperwork for the contribution "basis",
like the 8606 for the Traditional IRA.
by ps56k
Tue Apr 08, 2014 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 2756

Medicare - wanting basic info, choices, checklist

A couple of work friends have retired, and started with Medicare. I haven't started learning about Medicare, or a clue about the timeline checklist, options, plans, choices, etc... Is there anything here - or a common hotlink for a starting point ? They mentioned that you have to enroll 6 months bef...
by ps56k
Tue Apr 08, 2014 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicare - wanting basic info, choices, checklist
Replies: 7
Views: 360

Roth IRA - tax free - totally ?

Just wanted to check a basic question concerning Roth IRA's vs Traditional IRAs. With a Roth - you've already paid taxes on the money used to contribute, so there is no tax on that "basis" in the distant future when you withdraw. BUT - what about all the money accrued in the Roth IRA over ...
by ps56k
Tue Apr 08, 2014 4:29 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 2756

Re: Roth IRA for 2013 - taxes already filed

well - I opened a Roth IRA for our son - used the TR 2050 fund - VFIFX - https://personal.vanguard.com/us/funds/snapshot?FundId=0699&FundIntExt=INT Only made a $2,000 contrib for 2013, due to his limited Earned Income, and only a $2,500 contrib for 2014, in case of the same limited Earned Income...
by ps56k
Tue Apr 08, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for 2013 - taxes already filed
Replies: 11
Views: 927

Re: which fund for 23yr old

tnx all -
Continued in another thread - about IRAs -

Will be creating a new Roth IRA, and using the Vanguard TR funds,
with a contrib for both 2013 and 2014 at the same time,
since we only have $2,000 of 2013 Earned Income,
and the TR funds only req a min of $1,000.
by ps56k
Fri Apr 04, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: which fund for 23yr old
Replies: 10
Views: 620

Re: Roth IRA for 2013 - taxes already filed

tnx for the overall suggestions - Just started filling out the online form.... Will create a new Vanguard Roth account, and for the 2013 contribution, use one of the TR funds, and put in $2,000, along with also creating the 2014 contrib of the same amount, at the same time, just to get started. If h...
by ps56k
Fri Apr 04, 2014 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for 2013 - taxes already filed
Replies: 11
Views: 927

Re: 31 yr old w/ $500k @ EdwardJones

I can never keep these two firms apart - too similar names to mentally tag them. - Edward/Jones - Raymond/James My wife's sisters use one of these, and yeah - their holdings look the same as the laundry list from above. I've wanted to share the Kool-Aid - but wanted to keep the family peace. Some fo...
by ps56k
Fri Apr 04, 2014 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 yr old w/ $500k @ EdwardJones
Replies: 26
Views: 3560

Re: How Ignorant am I? 5yr on Job, No 401k. 100K collecting

My employer offers 5% match on 401K and I have not taken advantage of it for all 5 years that I've been with them. Hey - my wife is a special ed teacher, and never told me about the school district's 403b (like a 401k) for 20 years. She didn't know what it was, and kept deleting the email info... W...
by ps56k
Fri Apr 04, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Ignorant am I? 5yr on Job, No 401k. 100K collecting dust
Replies: 36
Views: 3657

Re: Vanguard Target Date funds - stair step vs slope

tnx for the expanded table.... yeah - this wasn't really about "to IRA" or "not to IRA" - that is the question. but more about the Target Date funds and the plateau with the staggered jump in the relative allocations of the Target Date funds. It was just a surprise.... expected i...
by ps56k
Fri Apr 04, 2014 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - stair step vs slope
Replies: 9
Views: 686

Vanguard Target Date funds - stair step vs slope

I was curious about using the Vanguard Target Date funds to setup a 2013 Roth IRA for our son - who only has $2,000 Earned Income for 2013.... so I needed something with a minimum of $1,000.... folks suggested the Target Date or Star funds. In looking at the asset allocation of these funds, it appea...
by ps56k
Fri Apr 04, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - stair step vs slope
Replies: 9
Views: 686

Re: IRA Rollover Ruling vs IRS Pub 590

BTW - since I've never done either of these, and didn't really read everything, I think that we all use the generic term of "rollover" to indicate the "movement" from one IRA to another, without regard for the logistics of peer custodial "movement" or the personal posse...
by ps56k
Fri Apr 04, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Court strikes a blow to IRA Rollovers
Replies: 98
Views: 11477

Re: Roth IRA for 2013 - taxes already filed

I thought maybe there might be some overall impact of contributing to a Roth - and the 1040 numbers might change somewhere... but after walking thru the paper scenario, in this particular case, it didn't seem to affect anything. BUT - Since all the Vanguard funds have a min of $3,000 - and we only h...
by ps56k
Fri Apr 04, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for 2013 - taxes already filed
Replies: 11
Views: 927

IRA Rollover Ruling vs IRS Pub 590

[Thread merged into here, see below. --admin LadyGeek] just stumbled across this - http://www.marketwatch.com/story/ira-rollover-ruling-stuns-advisers-and-savers-2014-04-04 Uncle Sam’s Tax Court just ruled that the one-rollover-per-year rule applies to all of a taxpayer’s IRAs rather than to each I...
by ps56k
Fri Apr 04, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Court strikes a blow to IRA Rollovers
Replies: 98
Views: 11477

Re: Free "If You Can" Kindle

...feel free to distribute the pdf and the above e-book file widely.... What PDF ? The first posting links to a normal Amazon ebook. The DropBox posting links to a Kindle format AZW3 file. Would also suggest going back and editing the orig title to be --> Free "If You Can" Kindle eBook or...
by ps56k
Thu Apr 03, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 52
Views: 7133

Re: Free "If You Can" Kindle

I've finally figured out how to give away the Kindle for free, at least intermittently..... You had me with the title, but it really was missing a key wording.... Kindle ebook , otherwise it looks like you are talking about a "Kindle". Would suggest going back and editing the title to be ...
by ps56k
Thu Apr 03, 2014 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Free "If You Can" Kindle and .pdf eBook
Replies: 52
Views: 7133

Roth IRA for 2013 - taxes already filed

just wondering.... I already filed our son's 2013 taxes - student with very little Earned Income - only about $2k - but he also had about $3k of divs, and cap gains. SO- if I open a Roth IRA, and make a contrib for 2013 - max being the $2k equal to earned income - do I really have to re-file and ame...
by ps56k
Thu Apr 03, 2014 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for 2013 - taxes already filed
Replies: 11
Views: 927

Re: which fund for 23yr old

I would consider opening a Roth IRA account with Vanguard and investing in a Vanguard Target Date Retirement fund. As I understand IRAs, you are only allowed to contrib "earned income" - which in his case, would be a max of $2k... vs the normal $5k. And that would certainly keep idle hand...
by ps56k
Wed Apr 02, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: which fund for 23yr old
Replies: 10
Views: 620

Re: which fund for 23yr old

abuss368 wrote:Are you placing the fund in a taxable or tax advantaged account?

He only has $2k in earned income, with another $3k from divs/cap gains....
so there is no IRA yet.
by ps56k
Wed Apr 02, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: which fund for 23yr old
Replies: 10
Views: 620

Re: which fund for 23yr old

You asked for a fund for just starting out, but this implies you already have an existing portfolio. We need to know what you hold in order to recommend another fund. You must have an overall plan and a desired asset allocation in place before buying funds. When he was in middle school, one of his ...
by ps56k
Wed Apr 02, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: which fund for 23yr old
Replies: 10
Views: 620

Re: which fund for 23yr old

I hate to give the standard answer, but I think it depends on circumstances, other assets, desired risk level, and so on. He has a Schwab acct - just looking for a parking place to grow, not needed for anything... so I had added the Vanguard Div Appreciation ETF - to his Schwab account... http://qu...
by ps56k
Wed Apr 02, 2014 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: which fund for 23yr old
Replies: 10
Views: 620

Re: Retirement is 5-6 years away - need advice

My biggest concern in any kind of retirement scenario is one thing - potential health care costs -
by ps56k
Wed Apr 02, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement is 5-6 years away - need advice
Replies: 11
Views: 1054

which fund for 23yr old

Basic starting out question...
Which fund or fund/ETF would you suggest for a 23yr old ?

Put it all into stocks - like Total Stock Index -
or go with some balance like Wellington ?

Would prefer an ETF - to add to his existing Schwab stock account.
by ps56k
Wed Apr 02, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: which fund for 23yr old
Replies: 10
Views: 620

Re: Retirement is 5-6 years away - need advice

Since you went into protection mode, and missed the stock run up in 2013, you have most/all of your money in your MM type funds which are not growing at all - AND - are actually losing value vs "inflation". That's the killer in this situation moving forward... is any kind of inflation. The...
by ps56k
Wed Apr 02, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement is 5-6 years away - need advice
Replies: 11
Views: 1054

building owners - Joint Tenants vs Tenants in Common

Wife's family has a five siblings and parents owned a few condos and other buildings. Both parents are now dead, and each has a Trust. Wife and her one sister are Trust Executors. We have run into this situation before, with a building owned directly by Mom, Dad, & Uncle as "Joint Tenants&q...
by ps56k
Wed Apr 02, 2014 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: building owners - Joint Tenants vs Tenants in Common
Replies: 2
Views: 235

Re: Contributing to Traditional IRA and lowering AGI

Alan S. wrote:If you can deduct the contribution, it will lower your AGI. But it will NOT lower your MAGI for purposes of increasing the deduction in the first place because for MAGI any deduction is added back.

where is that MAGI calc on the 1040 ?
by ps56k
Mon Mar 31, 2014 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contributing to Traditional IRA and lowering AGI
Replies: 6
Views: 432

Re: Defined Benefit vs. Defined Contribution

corysold wrote:The new law (which is going to court soon), in theory shores up the pension system, adding extra payments in future years with a goal of 100% funding by 2044..

Wonder what state you are in - we are in Illinois...
and it's just peachy here with TRS and the lack of state funding since, oh - 1970 !!
by ps56k
Mon Mar 31, 2014 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Defined Benefit vs. Defined Contribution
Replies: 10
Views: 845

Re: Form 8606 Nondeductible IRAs

A couple of years ago I discovered that TurboTax had somehow reset my 8606 Basis to ZERO -
and I didn't notice until last year since it really doesn't show up or affect anything.
I then went back thru all my 8606 forms
and re-calc'd my Basis so I have it corrected now.... moving forward.
by ps56k
Mon Mar 31, 2014 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Form 8606 Nondeductible IRAs
Replies: 7
Views: 612

Re: Vanguard webcast?

guess I didn't leave enough spaces...
DE WA9TKA
K
by ps56k
Sat Mar 29, 2014 10:53 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard webcast?
Replies: 8
Views: 925

Re: Winners of 2013: Boring Investors

TimesAWastin wrote:Wellesley isn't 60/40, it's 40/60.

tnx - I knew that...
but have a mental block, and keep flipping them around since it's my only fund that crosses over 50/50.
by ps56k
Sat Mar 29, 2014 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Winners of 2013: Boring Investors
Replies: 14
Views: 2607

Re: Winners of 2013: Boring Investors

Just happen to stumble across this old thread - as I've been wondering if my Wellesley VWINX was the right way to go for it's cushion of bonds in the bad times.... vs going more into the equity casino with Wellington VWELX. Seems a little tilted with Wellington being a 70/30 mod alloc fund and turni...
by ps56k
Fri Mar 28, 2014 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: Winners of 2013: Boring Investors
Replies: 14
Views: 2607

Re: Vanguard webcast?

tnx -
BTW - is there a technical term for your avatar/icon -
looks like something from Escher :)

-.. . - . -
by ps56k
Fri Mar 28, 2014 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard webcast?
Replies: 8
Views: 925

Re: Vanguard webcast?

how long after the live event does the replay become avail -
just playing music now with a .... coming soon.... message as of Friday night 3/28/14
by ps56k
Fri Mar 28, 2014 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard webcast?
Replies: 8
Views: 925

Re: Qualified dividends - where is the rate applied

seamonkey wrote:.... And looking at fund info to make sure most or all dividends have been qualified in prior years.
Where or how would I find that for - a specific stock - a specific mutual fund - prior to investing ?
by ps56k
Thu Mar 27, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Qualified dividends - where is the rate applied
Replies: 10
Views: 914
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