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Re: Do I convert my traditional IRA to a Roth IRA?

what is the 5498 form? I will have a pension in retirement but I am not sure how much it will be. If I convert tIRA to Roth IRA would I only have to pay taxes on the gains? How can I find out what amount of money I would have to pay taxes on if I decide to convert? I am currently in the 25% tax brac...
by rentonhighlands
Mon Apr 07, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I convert my traditional IRA to a Roth IRA?
Replies: 9
Views: 942

Do I convert my traditional IRA to a Roth IRA?

Hello forum members, Please provide your thoughts and options, Do I convert my Traditional IRA to a Roth IRA? Age 37 Traditional IRA is $33 717.97 Work 401K is $32,886.08 with a Roth option inside of it. I just started adding to the Roth option. It currently has $1075.30 Would it be smart to open a ...
by rentonhighlands
Sun Apr 06, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I convert my traditional IRA to a Roth IRA?
Replies: 9
Views: 942

Re: IRA Problem Paying to much fee's

Watty:
Are you suggesting for my IRA account and balance a three fund portfolio?
by rentonhighlands
Mon Jan 28, 2013 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1676

Re: IRA Problem Paying to much fee's

Well I guess when I pasted my data to post to the forum the formatting did not take. Is there a way to copy from Excel and post to the forum and have the formatting line up.
Sorry about that guys I did use the space bar and line up the columns before I posted but the formatting did not take.
by rentonhighlands
Mon Jan 28, 2013 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1676

Re: IRA Problem Paying to much fee's

To Forum members: I have transferred my IRA from my fee based account at RBC to Fidelity. Things went smooth and I am ready to hear suggestions of how to invest and allocate the funds. This is what it currently looks like right now. All feedback is welcome. As of date: 01/28/2013 Symbol Description ...
by rentonhighlands
Mon Jan 28, 2013 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1676

Re: Options to Re-finance home mortgage (condo rental)

Are there any programs new or old that will make it so I can refinance my rental property? My loan is not backed by Fannie Mae or Freddy Mac so I can not use the HARP program. I have called CITI Mortgage and they said sense I do not have a hardship and able to make the loan payments, I do not qualif...
by rentonhighlands
Wed Jan 02, 2013 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Options to Re-finance home mortgage (condo rental)
Replies: 4
Views: 497

Re: What is the best way to buy Silver

clearwater: Thank you very much for this valuable information.
by rentonhighlands
Wed Jan 02, 2013 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: What is the best way to buy Silver
Replies: 7
Views: 2153

Re: IRA Problem Paying to much fee's

I have transferred my monies from RBC to Fidelity. I chose Fidelity because I have my 401K account there and I am familiar with the website and tools. Now it is on to picking how I want to set up my IRA account and my investment choices. I am looking at the Spartin funds now.
by rentonhighlands
Thu Dec 27, 2012 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1676

Re: IRA Problem Paying to much fee's

BL: (thank you for being blunt) I will start the process to run away as fast as I can tomorrow! 12/27/12. Now I need to make a decision if I want to move my money to Vanguard (and choose a target fund) or to Fidelity where my employer 401K currently is. I am 35 yrs of age and my target retirement ye...
by rentonhighlands
Thu Dec 27, 2012 2:02 am
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1676

Re: IRA Problem Paying to much fee's

When I am looking thought the options of funds what do I look for to tell me what is the low-cost options? My investment adviser who is currently managing this money and charging me the fee's disagrees with using Fidelity or others like because he states 1.75% fee to manage the money is much cheaper...
by rentonhighlands
Wed Dec 26, 2012 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1676

IRA Problem Paying to much fee's

I have a traditional IRA with balance of $31,000. I am paying 1.75% or $125.00 a qtr in fees. To me this is simply to much to pay to manage this money. What options does the forum suggest to do with this money. Where would it be suggested to be moved to?
by rentonhighlands
Wed Dec 26, 2012 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: IRA Problem Paying to much fee's
Replies: 32
Views: 1676

What is the best way to buy Silver

I want to invest in silver. What is the best way to buy it? For example do I buy coins at the local coin shop or buy online?
by rentonhighlands
Wed Dec 26, 2012 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: What is the best way to buy Silver
Replies: 7
Views: 2153

Re: Options to Re-finance home mortgage (condo rental)

Great Questions. Let me provide some more information. The taxable amount from the county states $117,000 2012 and $93,000 2013 What I could sell it for I have no idea. My current loan does not have PMI As far as 20% equity based on the counties value I do not have 20%. My side: My total monthly pay...
by rentonhighlands
Thu Oct 25, 2012 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Options to Re-finance home mortgage (condo rental)
Replies: 4
Views: 497

Options to Re-finance home mortgage (condo rental)

What are my options to re-fiance my home mortgage on my rental condo property? I currently have a conventional loan and no mortgage insurance. Loan details are Principal Balance: $164,067.36 1 Original Balance: $170,860.00 Loan Type: Conventional Origination Date: 12/07/2009 Loan Term: 360 months Ma...
by rentonhighlands
Thu Oct 25, 2012 1:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Options to Re-finance home mortgage (condo rental)
Replies: 4
Views: 497

Re: What is the best way to manage and track my IRA account.

You're paying almost 2% in management/advisory fees. That is an insanely high price. Call Vanguard tomorrow, have them transfer assets from your current advisor/custodian, and then check out the boglehead book list in the wiki.[/quote] Why are you suggesting Vanguard? My work 401k is currently throu...
by rentonhighlands
Thu Mar 29, 2012 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best way to manage and track my IRA account.
Replies: 13
Views: 687

Re: What is the best way to manage and track my IRA account.

The company is RBC Wealth Management. This is a list of where my money is invested. 2% in fees will eat me alive. In my opinion 2% is way to high for an retirement account. "Ishares Silver Tr Ishares" "Ishares Tr Barclays Treas Inflation Protected Secs Fd S&P N/R" "Ishar...
by rentonhighlands
Thu Mar 29, 2012 10:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best way to manage and track my IRA account.
Replies: 13
Views: 687

Re: What is the best way to manage and track my IRA account.

tludwig23 wrote:
rentonhighlands wrote: For 2011 I paid $550.00 in fees. I started with a 28,209.66 balance and ended the year with 27628.65...


Hmmm, you lost $581. Are you confusing market losses with fees?



No. Right on my statement there is an line item call fees. The fees are $125.00 per qtr and $50 annual fee for 2011.
by rentonhighlands
Thu Mar 29, 2012 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best way to manage and track my IRA account.
Replies: 13
Views: 687

What is the best way to manage and track my IRA account.

How do you track your IRA account? What online tools does the forum members use to track IRA account? Do members track using excel spreadsheets to track? I have a managed IRA account. What is your opinion? For 2011 I paid $550.00 in fees. I started with a 28,209.66 balance and ended the year with 27...
by rentonhighlands
Thu Mar 29, 2012 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the best way to manage and track my IRA account.
Replies: 13
Views: 687

A Question about LIPITOR Generic companies

What are the names of the generic companies that will make LIPITOR?
Now that LIPITOR will be made by generic companies, how will the generic companies stock act? Will it increase or decrease?
by rentonhighlands
Tue Nov 29, 2011 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: A Question about LIPITOR Generic companies
Replies: 10
Views: 549

Home Loan modification

I have a question about home loan modifications. Are there any government programs availible for home modifications? I currently own a condo that is underwater. Are there websites that explain the different options that may be availible to me?
by rentonhighlands
Mon Oct 24, 2011 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Home Loan modification
Replies: 1
Views: 165

Boeing wins tanker contact. What other companies will bene?

??

Are they a good buy? What other companies would also be good buys because Boeing won the contact. For example part suppliers or companies that supply goods to Boeing.
by rentonhighlands
Thu Feb 24, 2011 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: Boeing wins tanker contact. What other companies will bene?
Replies: 18
Views: 2217

no I live in washington state
by rentonhighlands
Tue Feb 22, 2011 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k (Roth option) question
Replies: 9
Views: 999

25% bracket
by rentonhighlands
Tue Feb 22, 2011 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k (Roth option) question
Replies: 9
Views: 999

401k (Roth option) question

This is what I currently have.
1 tradional IRA account with a balance
1 401k company account with Roth option

What is the benefit for me to use the 401K roth option with my 401K? or is there one?
by rentonhighlands
Tue Feb 22, 2011 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k (Roth option) question
Replies: 9
Views: 999

Convert my Traditional IRA to a Roth IRA?

I would like to know if it is in my best interest to convert my traditional IRA to a Roth IRA? My IRA balance right now it 27K My tax bracket is 25% but it may drop to the 15% tax bracket if I am lucky based on what I put into my 401K for 2010 My bring home pay is 37K per year I do not expect my tax...
by rentonhighlands
Fri Nov 26, 2010 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convert my Traditional IRA to a Roth IRA?
Replies: 20
Views: 2391

What is the link for portfolio x-ray? I am using Instant X-Ray right now and it is working. But I would like to check out portfolio x-ray it sounds more like what I am looking for.
Thank-you for the help and quick responses.
by rentonhighlands
Mon Jun 14, 2010 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: A website that will build your portfolio for you?
Replies: 14
Views: 2170

The information I would like to see in the pie chart is what % am I invested in energy, technology, basic materials, (the sectors for example).

In my 401K account it shows a pie chart of what I currently have. But what I am after is a tool to use for hypothetical examples.
by rentonhighlands
Mon Jun 14, 2010 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: A website that will build your portfolio for you?
Replies: 14
Views: 2170

A website that will build your portfolio for you?

Does anyone know of a website that will build a portfolio and a pie chart for you. What I am looking for is a website that I can pick the stocks and the amount of shares of each stock and it will build a pie chart for me. This tool will allow me to see a graph to show if I am diversified or not. Doe...
by rentonhighlands
Mon Jun 14, 2010 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: A website that will build your portfolio for you?
Replies: 14
Views: 2170

Re: Where do I invest $500 a month?

This is my entire 401K account current investments. Investment Shares Market Value Percent of Holdings COLUMBIA SMALL CAP VALUE FUND 199.1770 $2,081.40 9.14 % CONSERVATIVE BLEND FUND 8,580.3200 $8,582.00 37.67 % BLACKROCK TL RTN II INST 0.2084 $1.91 0.01 % AMERICAN EUROPACIFIC GR FD R5 94.0239 $3,34...
by rentonhighlands
Wed Feb 10, 2010 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do I invest $500 a month?
Replies: 6
Views: 2509

Where do I invest $500 a month?

I am new to investing. My plan is to save $500 per month. I would like to know what people would suggest investing $500 a month. I have been recently doing alot of reading about index funds and ETF's. I am thinking of a S&P 500 index fund? I currently have a 401K and I put in 10% company matches...
by rentonhighlands
Tue Feb 09, 2010 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do I invest $500 a month?
Replies: 6
Views: 2509

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