Search found 916 matches

Return to advanced search

Re: I don't understand whether there are costs to rebalancin

Are you talking about an IRA (either Traditional or Roth) or a taxable account?
by runner9
Wed Apr 16, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: I don't understand whether there are costs to rebalancing
Replies: 11
Views: 450

Re: Aio Wireless

Thoughts: Runner 9- I've had very good luck with reconditioned and used phones. I unlocked an AT+T Galaxy S3 last year in about ten minutes following instructions on the internet, There are also services that will do it for you, though I cannot speak to their reliability. Research this re: the phon...
by runner9
Wed Apr 16, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Aio Wireless
Replies: 17
Views: 727

Re: Financial check-up request and unusual 403(b) question

If you are no longer a pastor, and therefore left the "company" the 403(b) was with, why not roll it over to a low cost IRA?

http://www.403bwise.com/wisemoves/irarollover_vt.html
by runner9
Wed Apr 16, 2014 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial check-up request and unusual 403(b) question
Replies: 12
Views: 373

Re: Low cost reverse mortgage lenders?

I'll give your post a bump and suggest that's an oxymoron, in that reverse mortgage's are usually high fee, etc.
by runner9
Wed Apr 16, 2014 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Low cost reverse mortgage lenders?
Replies: 1
Views: 197

Re: Anyone use Fidelity as their bank account?

I just read more about it, with interest rate of 0.07 I'll look elsewhere. I thought my .195 at my brick and mortar bank was low.
by runner9
Tue Apr 15, 2014 8:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fidelity as their bank account?
Replies: 27
Views: 1540

Re: Options used to fund ROTH after retirement?

http://www.irs.gov/publications/p590/ch01.html#en_US_2013_publink1000230355 Here is the IRS definition for "What is compensation" It's found in T-IRA info, but Roth IRA info links to it. Partial quote: The IRS treats as compensation any amount properly shown in box 1 (Wages, tips, other c...
by runner9
Tue Apr 15, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Options used to fund ROTH after retirement?
Replies: 11
Views: 501

Re: Aio Wireless

http://www.bogleheads.org/forum/viewtopic.php?f=11&t=133853& There are some opinions in this recent thread. I'm actually going to an AIO store tomorrow morning to talk to them. My wife wants an Iphone, I don't want to pay Verizon contract prices. So, I would need to buy an iphone, either ne...
by runner9
Tue Apr 15, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Aio Wireless
Replies: 17
Views: 727

Re: Can this 4% CD be trusted?

http://www.cbsnews.com/news/is-a-345-percent-apy-cd-too-good-to-be-true/

A google search for "sun city financial group complaints" and then clicking on the first reply let this this from our own Allan Roth.

I'd guess your ad is similar.
by runner9
Tue Apr 15, 2014 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: Can this 4% CD be trusted?
Replies: 21
Views: 2239

Re: Children Savings Account [Money Received on Child's Beha

My son's is in a minor custodian account with my name as custodian. I doubt he'd be eligible for financial aid based our incomes (he's only 4 now) but have wondered how this account would affect his chances. He has nearly $2K in it. We contribute to a 529 and it's crossed my mind to direct future gi...
by runner9
Tue Apr 15, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Children Savings Account [Money Received on Child's Behalf]
Replies: 11
Views: 621

Re: Mother Of Bog! I'm Uncertain/Frightened To Buy Fund

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=133586&p=2009636

Don't forget all the advice you've been give on your previous THREE threads, later combined by LadyGeek.
by runner9
Tue Apr 15, 2014 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: I Really Would Appreciate Your Advice!
Replies: 72
Views: 2621

Re: paper ibonds from tax refund

Based on your post from 2 minutes prior this one you're still working on your taxes. If so, why is this an issue? Do you not know where you'll be living in several weeks right now?
by runner9
Sun Apr 13, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: paper ibonds from tax refund
Replies: 4
Views: 470

Re: LED bulb prices

The Cree bulb is $6.97 on the site when I select my local store, it's $9.97 at a store just 20 miles from here, as well as $9.97 outside of Chicago.
by runner9
Fri Apr 11, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8025

Re: Problem with Vanguard website

I'm just curious on the rush to get on vanguard.com after 4pm Eastern on a Friday. Mutual fund prices aren't updated, orders placed won't fill till Monday.
by runner9
Fri Apr 11, 2014 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard website
Replies: 25
Views: 2018

Re: where is my post?

Or just click on the your username, in blue, on the right side of any of your posts, then click the view all posts.
by runner9
Fri Apr 11, 2014 6:26 pm
 
Forum: Forum Issues and Administration
Topic: where is my post?
Replies: 10
Views: 665

Re: why would i keep $3,000 in a vanguard roth brokerage mma

I believe the $3K minimum is waived when it's the sweep account for a VBS. I know that's our situation, we each have a Roth with a brokerage tied to it and the money market accounts usually have $0 in them.

That said, you won't get much support or advice here for buying individual stocks.
by runner9
Fri Apr 11, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: why would i keep $3,000 in a vanguard roth brokerage mma
Replies: 10
Views: 820

Re: where is my post?

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=137146&p=2025680

It's right here. Look based on the start time in either the main page of the Help with Personal Investment forum, it's there.
by runner9
Fri Apr 11, 2014 5:01 pm
 
Forum: Forum Issues and Administration
Topic: where is my post?
Replies: 10
Views: 665

Re: Moving money away from investment broker

So am I correct that these are all in a taxable account?
by runner9
Fri Apr 11, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving money away from investment broker
Replies: 5
Views: 661

Re: First poster/advice on portfolio

Replying to give your post a bump and also to suggest that you edit it for each question/issue to be a separate paragraph. It's hard to read it big wordy blocks.
by runner9
Fri Apr 11, 2014 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: First poster/advice on portfolio
Replies: 2
Views: 194

Re: Lump sum - invest now or later?

Nobody knows what the market will do, if it will "correct" up or down, etc.

Most here would say invest it all now, that doing so is a higher probability of coming out ahead then doing it incrementally.
by runner9
Fri Apr 11, 2014 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum - invest now or later?
Replies: 7
Views: 822

Re: Paying off HELOC

What's the HELOC's interest rate and how soon/how much can it reset?
by runner9
Fri Apr 11, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off HELOC
Replies: 2
Views: 298

Re: 403B plan administrator charges fee to rollover

403b are well known for being high fee and often complicated plans.

There's probably a "contract" between the 403b and the school district, which still affects you.

Are you able to get a copy of the legalize about the plan? What does it say?
by runner9
Fri Apr 11, 2014 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: 403B plan administrator charges fee to rollover
Replies: 2
Views: 167

Re: Problem with Vanguard website

I just logged in with no problems.
by runner9
Fri Apr 11, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard website
Replies: 25
Views: 2018

Re: Have you upgraded your Vanguard accounts?

I called a couple of months ago when I wanted to sell $10K in an ETF and not wait three days. She said I'd be waiting a long time for an upgrade to skip the wait.
by runner9
Fri Apr 11, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you upgraded your Vanguard accounts?
Replies: 10
Views: 1555

Re: Question on tracking a portfolio

http://www.bogleheads.org/forum/viewtopic.php?f=10&t=107964

You could do a spreadsheet with an XIRR function. It would be time consuming to set up.
by runner9
Wed Apr 09, 2014 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Question on tracking a portfolio
Replies: 7
Views: 357

Re: Roth IRA - tax free - totally ?

and 457 is similar to 403(b), unless it's a 457-Roth of course.
by runner9
Tue Apr 08, 2014 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 2622

Re: Roth IRA - tax free - totally ?

In a Roth you only pay taxes on the money before putting it in. Withdrawals, after 59 1/2, are tax free, both contributions, gains, etc.
by runner9
Tue Apr 08, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 2622

Re: I Need Your Help Selecting 403(b) Provider

I'm guessing to look closer at ING, but that's a guess from distant memory.

Do you have access to a 457? We were looking at 403(b) plans but then learned as public employees in Ohio we have access to Ohio 457 which has super cheap fees.
by runner9
Tue Apr 08, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Need Your Help Selecting 403(b) Provider
Replies: 17
Views: 576

Re: Car recommendations - Mazda6, accord, Prius

If you get the Mazda6 watch out for spiders. What to say another recall isn't coming in a few years?
http://www.thecarconnection.com/news/1091307_mazda6-recalled-for-spiders-again
by runner9
Tue Apr 08, 2014 10:03 am
 
Forum: Personal Consumer Issues
Topic: Car recommendations - Mazda6, accord, Prius
Replies: 23
Views: 1719

Re: Roth IRA

You can put in up to your compensation for the year (with upper limits)

If you make $60K you can put in the max of 6500

If you make 6500 you can put in the max of 6500

If you make 2000 you can put in 2000

If you make 0 you can put in 0
by runner9
Tue Apr 08, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA
Replies: 4
Views: 388

Re: 180K and no clue

I'd suggest funding an IRA for 2013 by April 15 if you have not. Otherwise, try to do nothing for 4-6 months while you consider your options, learn more about investing, etc and set up a good plan you're comfortable with. (and nothing horribly wrong with your current investments as they stand right ...
by runner9
Tue Apr 08, 2014 6:33 am
 
Forum: Investing - Help with Personal Investments
Topic: 180K and no clue
Replies: 8
Views: 1670

Re: Roth IRA

Do you have compensation*, shown on your AGI? If so I'd say go for it, up that AGI limit (if under $13K) and if you won't need the money, for sure, for 5 years. *IRS defined compensation for IRA calculations: http://www.irs.gov/publications/p590/ch01.html#en_US_2013_publink1000230355
by runner9
Mon Apr 07, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA
Replies: 4
Views: 388

Re: LED bulb prices

I believe it's discussed higher up in this thread, but Home Depot prices seem to vary by region/state. That bulb shows up at $24.97 here in the midwest.
by runner9
Mon Apr 07, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 104
Views: 8025

Re: 28 y/o needs checkup

If you're talking about money for 2014 contribution I probably would, with 375 days left to makeup that contribution.

If you're talking about money for 2013, with only 9 days left until April 15, I'd contribute to the Roth, as that's contribution space gone forever.
by runner9
Sun Apr 06, 2014 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: 28 y/o needs checkup
Replies: 7
Views: 620

Re: Money available for 2013 Roth IRA Contribution

http://www.irs.gov/publications/p590/ch02.html#en_US_2013_publink1000230988

Here is the specific step by step process from the IRS to determine your allowed contribution amount.
by runner9
Sun Apr 06, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: Money available for 2013 Roth IRA Contribution
Replies: 4
Views: 263

Re: Re-fi Student to pay it off

For a lot more detail on the OP's situation see this thread:

http://www.bogleheads.org/forum/viewtopic.php?t=136659

and this one making the case for a refi:

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=136678&p=2019675
by runner9
Sun Apr 06, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Re-fi Student to pay it off
Replies: 3
Views: 254

Re: Tree stump removal

I just watched yesterday's Ask This Old House. The preview for next week's show is that they discuss what to do with a tree stump.

I'm sure markets vary, it's 8:30a; Saturday, April 12 here.
by runner9
Sun Apr 06, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: Tree stump removal
Replies: 25
Views: 1721

Re: 28 y/o needs checkup

I'll give your post a bump and suggest paying off the student loan debt at 5%.
by runner9
Sun Apr 06, 2014 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: 28 y/o needs checkup
Replies: 7
Views: 620

Re: Barclay 5 yr. CD and Dream account savings

"we’ll give you a 2.5% bonus on the total interest you earned over that time." I could read that several ways, including taking your total interest multiplied by 0.025 and that's the bonus. (2.5% of the INTEREST, not the principal) I also could be totally wrong, I can read it different wa...
by runner9
Sun Apr 06, 2014 8:41 am
 
Forum: Investing - Theory, News & General
Topic: Barclay 5 yr. CD and Dream account savings
Replies: 5
Views: 532

Re: Travel for work; file tax return in each state I work?

http://www.cleveland.com/open/index.ssf/2014/03/ex-nfl_players_suit_against_cl.html

Currently a professional athlete pays city income tax if their team plays in Cleveland, even if they don't make the trip due to injury.
by runner9
Sun Apr 06, 2014 8:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Travel for work; file tax return in each state I work?
Replies: 14
Views: 1031

Re: Should I see Frozen?

Or just pay $1.20 plus tax at Redbox...
by runner9
Sat Apr 05, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Should I see Frozen?
Replies: 16
Views: 1696

Re: Student Loans -- a surcharge on your job?

Your logic makes sense for being ok taking on the debt while in college.

It makes no sense for keeping the debt now with such a high interest rate however.

Who cares where you got it from, it's debt and it's a high interest rate. Pay it off first and be done with it.
by runner9
Sat Apr 05, 2014 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans -- a surcharge on your job?
Replies: 26
Views: 1552

Re: Ohio 529 (CollegeAdvantage) - Tax Optimization / Grad Sc

http://www.tax.ohio.gov/ohio_individual/individual/annual_tax_rates.aspx I would do it, but also keep in mind that Ohio Income Tax rates aren't that high and may go lower in the coming years. So, even if you make $100K in taxable income, a $2K deduction saves you about $85 in Ohio income tax. Again...
by runner9
Sat Apr 05, 2014 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Ohio 529 (CollegeAdvantage) - Tax Optimization / Grad School
Replies: 8
Views: 564

Re: Contributing to prior year's Roth

http://www.irs.gov/pub/irs-pdf/f1040x.pdf

The form is a single page if you're not changing exemptions.
by runner9
Sat Apr 05, 2014 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Contributing to prior year's Roth
Replies: 23
Views: 1173

Re: questionable Chase "loss prevention" practice

I don't understand. Can't you go to branch, verify identity and then have the 1500 be accessible?
by runner9
Fri Apr 04, 2014 7:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: questionable Chase "loss prevention" practice
Replies: 7
Views: 939

Re: Cold Feet Investing

So, 25% of all your investments are a bond from a single church?

If you're risk adverse, and with you ages, 55% and 30% equities seem high to me.

I'm no expert by any means, partly responding to give your post a bump.
by runner9
Fri Apr 04, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cold Feet Investing
Replies: 9
Views: 1246

Re: 401(k) loan for down payment

I'd pay off the student loans, they are the highest interest rate.

I'd keep saving for a down payment and leave the 401k alone. If push came to shove and you purchased before getting 20% down, I'd take PMI long before taking a 401k loan.
by runner9
Fri Apr 04, 2014 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) loan for down payment
Replies: 15
Views: 906
Next

Return to advanced search