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Re: Return to India - 401k?

I can maintain a credit union account in US without any costs involved but I am not so sure about the credit card - will need to figure that out. I would apply for a card which does not charge fees for international transcations (and has no yearly fee) and when you are in any other country, use it ...
by slowlrnr
Wed Jun 04, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Return to India - 401k?
Replies: 16
Views: 1458

Re: Just inherited 30k. What do.

Loan is down to about $1300 and credit card around $500. I have a full time job and will be starting a family soon and it and to ensure they have a future. Starting - $30k Pay off 1800 - $28.2K left Roth IRA for 2013 in Vanguard Target Retirement Fund 2055 (for this call Vanguard and open the accou...
by slowlrnr
Fri Dec 13, 2013 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just inherited 30k. What do.
Replies: 19
Views: 932

Re: Rollover IRA

Yes seems like you nailed the procedure but - I think this might help you and you will have to be aggressive since you only have 15 days to do the conversion for this year. http://thefinancebuff.com/the-backdoor-roth-ira-a-complete-how-to.html http://www.bogleheads.org/wiki/Backdoor_Roth_IRA Read th...
by slowlrnr
Fri Dec 13, 2013 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA
Replies: 7
Views: 397

Re: AA checkup and a few questions

If you have enough collected for your downpayment then I would do the following 1. 17.5k for his 401k 2. 17.5k for her 401k 3. 5.5k for his backdoor Roth assuming you are not eligible for direct contribution 4. 5.5k for her backdoor Roth you still have 16k left and if you have enough emergency fund ...
by slowlrnr
Tue Dec 10, 2013 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA checkup and a few questions
Replies: 4
Views: 310

Re: 31 year old investment advice

Emergency funds: 6 months Debt: 285K Mortgage on 415K Condo Tax Filing Status: Single Tax Rate: 28% Federal, 5% IL State of Residence: IL Age: 31 Desired Asset allocation: 95% stocks /5% bonds Desired International allocation: 20% of stocks Size: mid six figures Current retirement assets 401K at Fi...
by slowlrnr
Mon Dec 09, 2013 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 31 year old investment advice
Replies: 3
Views: 722

Re: Newbie Starting a 401k - Seeking Opinions About Fund Cho

Welcome to the forum of extensive financial knowledge, YOW. I would recommend to first start reading http://www.bogleheads.org/wiki/Getting_Started and to get meaningful and insightful responses from experts here would recommend to sit down with a paper and pencil and post your question in http://ww...
by slowlrnr
Fri Dec 06, 2013 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Starting a 401k - Seeking Opinions About Fund Choice
Replies: 3
Views: 1002

Re: PIMCO Total Return (PTRAX) vs. Vantagepoint Bond Inx (VQ

Don't know much about VQCIX but it is an index fund and PTRAX is an actively managed fund. Why the comparison and why now? On this site there are proponents of index funds but seems like they are a little relaxed when it comes to Pimco (Bill Gross) and are sometimes okay with the higher ER. My conce...
by slowlrnr
Fri Dec 06, 2013 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return (PTRAX) vs. Vantagepoint Bond Inx (VQCIX)
Replies: 6
Views: 514

Re: Newbie Question on Roth Backdoor

Okay, I'm a little confused. My income each year makes me ineligible for the "regular" Roth contribution and I am maxing out all other tax advantaged options, but if an existing Roth is already open can I simply add to that each year without the intermediate step of adding to a tIRA then ...
by slowlrnr
Fri Dec 06, 2013 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newbie Question on Roth Backdoor
Replies: 8
Views: 317

Re: Year End prep - Maximise contributions - Ibonds question

Just remember: IBonds for qualified educational expenses are phased out at higher incomes. I don't know if that will be a problem for you or not. You learn something new everyday on this site. Thank you GoodEnYou. I tried to read http://www.treasurydirect.gov/forms/savpdp0051.pdf but did not get cl...
by slowlrnr
Thu Dec 05, 2013 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Year End prep - Maximise contributions - Ibonds question
Replies: 7
Views: 627

Re: Poor PenFed Reviews

Awesome Products and OK customer service but once set you don't need to talk to them a lot.
by slowlrnr
Thu Dec 05, 2013 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Poor PenFed Reviews
Replies: 78
Views: 7991

Re: Pay student loans or car lease?

Shouldn't your question be as simple as "1. Honda Accord Loan - 14k at ?% 2. Student Loan - 62k at 6.55% Which one should I pay off?" I have no idea about student loans (tax advantages or delayed payoff or anything else) but I would attack the loan whichever has higher % although for ...
by slowlrnr
Thu Dec 05, 2013 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay student loans or car lease?
Replies: 10
Views: 572

Re: I am currently holding 22k VFIAX, what should I do with

I am new to investment, and just purchased 10k of the 22 k without serious research. Keep it as is for at least one year (do your research during this time) and for future, if there is any transaction more than $9999, keep a cooling period of 30 days or something like that and do your research befo...
by slowlrnr
Thu Dec 05, 2013 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: I am currently holding 22k VFIAX, what should I do with tha
Replies: 5
Views: 624

Re: Car seat for toddler

Tiz wrote:I love my Britax Boulevard carseats.


+1. Have three of them and they are like a rock in safety and very comfortable.
by slowlrnr
Thu Dec 05, 2013 6:47 pm
 
Forum: Personal Consumer Issues
Topic: Car seat for toddler
Replies: 26
Views: 1478

Re: 401K rollover to Vanguard

Hello experts, I'm getting ready to move an old 401K into Vanguard and was looking for some advise on selecting funds. I'll be bringing in ~27K. I also have another account (with Fidelity) worth ~54K with the following asset allocation: Domestic Stock 68% Foreign Stock 15% Bonds 3% Short Term 15% U...
by slowlrnr
Wed Dec 04, 2013 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K rollover to Vanguard
Replies: 4
Views: 238

Re: AT&T MVNO Suggestions

When I ordered a SIM online from AirVoice there was no way to specify size, and I received a full-sized SIM instead of the micro-SIM I needed. I tried cutting it down to no avail. I contacted AirVoice and they sent me a micro-SIM for no charge. I'd advise contacting them by phone to order a micro-S...
by slowlrnr
Fri Nov 22, 2013 8:24 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2498

Re: AT&T MVNO Suggestions

On Airvoice $10/mo plan now for 3-4 months, very pleased so far. I have adjusted my usage slightly to avoid overage and stay at $10/mo price point. I have wifi at work, so using my Google Voice ph# with "Talkatone" (free) App for texting and voice calls while on Wifi. Most months i am end...
by slowlrnr
Fri Nov 22, 2013 8:20 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2498

Re: Looking for suggestions for investment

Got it. Here you go: His Roth IRA 12% VTIVX Her Roth 8% VTIVX His Individual 401k 15% VTIVX His 401k at ML 2% PIMCO TOTAL RETURN PORT. INSTL 7% THORNBURG INTERNAT VAL CL I 16% VANGUARD INSTITUTIONAL INDEX Her 401k at JH 24% DFA US Target Value 12% DFA Intl Value 4% PIMCO Total Return I would recomm...
by slowlrnr
Fri Nov 22, 2013 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for suggestions for investment
Replies: 6
Views: 460

Re: AT&T MVNO Suggestions

Just found out another cheaper option - Lyca Mobile - reviews are not that great but if anyone has any personal experience, please share. http://www.lycamobile.us/en/national-plans It is $16 for 250 MB, 250 minutes + text and includes international. I know it works on t-mobile but not sure if it wor...
by slowlrnr
Fri Nov 22, 2013 6:39 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2498

Re: When to replace carpeting?

+1 for considering hardwood (or laminate) flooring. We have laminate flooring since we bought the house 10 years ago and still looks great with regular cleaning with luke warm water.
Had carpet before that and never realized how much dust would hide inside.
by slowlrnr
Fri Nov 22, 2013 4:55 pm
 
Forum: Personal Consumer Issues
Topic: When to replace carpeting?
Replies: 24
Views: 1975

Re: Looking for suggestions for investment

His Roth IRA at Vanguard Vanguard Target Retirement 2045 Fund (VTIVX) 100% Her Roth IRA at Vanguard Vanguard Target Retirement 2045 Fund (VTIVX) 100% His Individual 401k at Vanguard Vanguard Target Retirement 2045 Fund (VTIVX) 100% His 401k at Merrill Lynch 8.55% PIMCO TOTAL RETURN PORT. INSTL (0.4...
by slowlrnr
Fri Nov 22, 2013 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for suggestions for investment
Replies: 6
Views: 460

Re: Looking for suggestions for investment

His Roth IRA at Vanguard Vanguard Target Retirement 2045 Fund (VTIVX) 100% Her Roth IRA at Vanguard Vanguard Target Retirement 2045 Fund (VTIVX) 100% His Individual 401k at Vanguard Vanguard Target Retirement 2045 Fund (VTIVX) 100% His 401k at Merrill Lynch 8.55% PIMCO TOTAL RETURN PORT. INSTL (0.4...
by slowlrnr
Fri Nov 22, 2013 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for suggestions for investment
Replies: 6
Views: 460

Re: AT&T MVNO Suggestions

slight correction, I didn't realize that the 4S sports both CDMA and GSM in the same model, and Ting is in iPhone4S bring your own BETA. So, you might be able to bring the 4S to Ting, but not to Republic or FreedomPop as they have their specific models. I haven't looked into the Ting Beta (I know i...
by slowlrnr
Fri Nov 22, 2013 2:50 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2498

Re: AT&T MVNO Suggestions

Ting, Republic Wireless, and FreedomPop are all Sprint MVNO's, so they wouldn't work with your iPhone. Republic and FreedomPop only sport their own customized phones. Also, if anyone considers FreedomPop, make sure you understand their business model. It is to collect personal information and sell ...
by slowlrnr
Fri Nov 22, 2013 2:22 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2498

Re: AT&T MVNO Suggestions

In this case take a look at page plus $12 plan (runs on Verizon 3G) for 250 min/text and 10mb where extra data is .10/MB. For 30MB the plan will cost $14/mo if you are ok with 250 min and 250 texts. That is an awesome suggestion. Thank you Mike. But for PagePlus, I'll have to unlock the phone and c...
by slowlrnr
Fri Nov 22, 2013 1:58 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2498

Re: AT&T MVNO Suggestions

I use AirVoice. The $30 plan includes unlimited talk and text and 100MB data, so it's only for the light data user (me). You can get 1Gb data for $40/mo. Like most AT&T MVNOs (Consumer Cellular, ATT Prepaid, etc.), AirVoice uses the AT&T prepaid network, so basically you don't get roaming -...
by slowlrnr
Thu Nov 21, 2013 9:19 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2498

Re: AT&T MVNO Suggestions

Straight Talk here for years,both spouse and myself have Android phones now,NO complaints. first 2.5gig is 3g after that 2g until then new month starts. I have never used 2.5gig. No complaints ,matter of fact really like the service,Verizon is the carrier for our phones :happy Thank you Toons. Good...
by slowlrnr
Thu Nov 21, 2013 8:26 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2498

Re: AT&T MVNO Suggestions

I suppose people will recommend what they use themselves. I have used Straight Talk for a little over a year with no complaints. I'm not a heavy user, so I don't push the alleged limits to their unlimited data usage (and by your usage, I suspect you won't either). I enrolled in the auto bill pay, a...
by slowlrnr
Thu Nov 21, 2013 7:09 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2498

AT&T MVNO Suggestions

My two year contract with AT&T is expiring and I have iPhone 4S right now and wanted to save on monthly charge (currently paying $60 per month for individual plan) Can you suggest a cheaper MVNO plan that I can switch to? Below is what I found for AT&T MVNO but if you have any other options,...
by slowlrnr
Thu Nov 21, 2013 3:52 pm
 
Forum: Personal Consumer Issues
Topic: AT&T MVNO Suggestions
Replies: 27
Views: 2498

Re: How many funds do you have in your portfolio?

12 :(

Aim is to reduce it to 8 but does not seem possible due to non-availabilty of good options is his / her 401k but will very soon will come with some questions when I am ready to simplify and have a plan of my own.
by slowlrnr
Tue Nov 12, 2013 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 96
Views: 6292

Re: Roth conversion before getting married?

JW Nearly Retired wrote:If their fiancés had even thought to ask about such things I would have thought it way beyond any expectations on my part.

Way to go OP!


+1

and +1 to OP for thinking this through and enjoy!
by slowlrnr
Thu Nov 07, 2013 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth conversion before getting married?
Replies: 23
Views: 954

Re: How to handle multiple 401K's from previous employers?

Prudential 401K (hers... current employer): ~$10K Merrill Lynch 401K (hers... employer #1): ~$16K total... ~$14K vested (she doesn't want to or have any plans to return to this company... various funds similar in AA to my 401K) Vanguard 401K (hers... employer #2): ~$25K (87% target retirement fund ...
by slowlrnr
Thu Nov 07, 2013 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to handle multiple 401K's from previous employers?
Replies: 7
Views: 571

Re:

You should be warned ahead of time that achieving 40% of your stocks in international at low cost can be difficult in some circumstances. That won't be a problem for you at first, but it may develop as your 401k grows in relation to your Roth IRA. You may need to be happy with a little less during ...
by slowlrnr
Thu Oct 10, 2013 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: New job trouble achieving desired AA
Replies: 6
Views: 907

Re: Buying bond funds at 30

InvestorNewb wrote:In the current bond environment it's almost pointless. I bought a small bond position in November 2012 and it's down 6%.


Isn't it all the more reason to buy more?
by slowlrnr
Wed Oct 09, 2013 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Buying bond funds at 30
Replies: 17
Views: 1571

Re: Buying bond funds at 30

Congratulations on asking the right question at an early age. 1. Why did I buy bonds (even though I do not understand them) - to force me to sell high and buy low. 2. Let's say for simplicity you have 50% bonds and remaining 50% in stocks and remember you cannot time the market and nobody can. 3. Wh...
by slowlrnr
Wed Oct 09, 2013 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: Buying bond funds at 30
Replies: 17
Views: 1571

Re: Backdoor Roth IRA Conversion Options

A taxable Roth conversion goes on your 1040 line 15b (taxable IRA distribution). This increases AGI in the year of the conversion, which is why you'll end up paying ~7k in extra income tax if you make a 28k conversion. The increase in AGI will also affect many things that depend on AGI. After you c...
by slowlrnr
Tue Oct 08, 2013 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Conversion Options
Replies: 10
Views: 616

Re: Backdoor Roth IRA Conversion Options

The only way to only pay tax this year and have it all transferred to Roths is to pay tax on the whole $28k amount in the rollovers. You can take a look at IRS form 8606 to see how the basis calculations will work. JW Thank you JW. I will do that right away and thanks for that suggestion. Currently...
by slowlrnr
Mon Oct 07, 2013 8:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Conversion Options
Replies: 10
Views: 616

Re: Backdoor Roth IRA Conversion Options

You have 28K in existing TIRAs to convert. In 25% marginal tax bracket, that would be 7K in Federal Tax. There might also be additional state tax but your number is in the ballpark for 25% bracket. A way to think about the 2 alternatives is being eaten by a shark in one gulp or being nibbled to dea...
by slowlrnr
Mon Oct 07, 2013 8:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Conversion Options
Replies: 10
Views: 616

Re: Backdoor Roth IRA Conversion Options

For 2nd option, you can split the taxes across 2 years, too. Pay 1/2 this year and 1/2 the next year. Thank you Dave. This is a good option but if my numbers are correct, it would add around 8k for filed jointly to the AGI, correct? I think the answer to "what should you do" depends on a ...
by slowlrnr
Mon Oct 07, 2013 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Conversion Options
Replies: 10
Views: 616

Re: Anyone else freaking about the state of the market?

One thing I have learnt here is to ignore the noise and stay the course, no matter what so essentially no, I am not freaked out about the state of current market even though I check the S&p 500 index almost three to four times daily.
by slowlrnr
Mon Oct 07, 2013 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else freaking about the state of the market?
Replies: 95
Views: 8078

Backdoor Roth IRA Conversion Options

His and her situation: - Not eligible for Roth IRA this year - Want to do backdoor roth but around 16k in his rollover IRA and 12k in her in rollover IRA from 401k from previous companies (all invested in Vanguard three fund portfolio comfortably and would prefer not to move it) 1. Should I transfer...
by slowlrnr
Mon Oct 07, 2013 7:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA Conversion Options
Replies: 10
Views: 616

Re: Term Life Insurance.

term4sale.com. After you get the quotes, you can either go through an agent which you can go through recommendations or directly contact the company showing up the lowest rates. In your case, since you have health issues, a independent agent might be able to help more in finding an insurance company...
by slowlrnr
Wed Sep 25, 2013 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance.
Replies: 5
Views: 618

Re: About to buy a boat

I am not sure where I read it for a boat but here it goes

A man is happy two times in his life - first when he buys a boat and second time when he sells it :)
by slowlrnr
Wed Sep 18, 2013 7:45 pm
 
Forum: Personal Consumer Issues
Topic: About to buy a boat
Replies: 47
Views: 2930

Re: Should I buy a house before interest rates go up?

Current Plan/Situation: Annual Income: $300K Student loans: $150 K @~6% interest Current Savings: $70K Renting 2 bedroom apartment for $1300/month, saving on pace to have 20% downpayment available for 500-550K home by next late spring (likely april 2014) Due to a growing family, we will certainly h...
by slowlrnr
Wed Sep 11, 2013 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house before interest rates go up?
Replies: 6
Views: 894

Re: Roth IRA vs Taxable Account

imperialyoyo wrote:(I am not a lawyer) I read that at least one million dollars in your IRA is not touchable by creditors in the unfortunate event of bankruptcy.


TIL. Thank you. http://www.nolo.com/legal-encyclopedia/retirement-plan-bankruptcy-chapter-7-13-32410.html
by slowlrnr
Wed Sep 11, 2013 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA vs Taxable Account
Replies: 20
Views: 1586

Re: Company wants to check my credit?

I understand that you have still not signed the constract and you are not looking for this input but --- Make sure you know the following before signing 1. What sensors are inlcuded in the free items list? 2. How many door sensors do you need? 3. How many motion sensors do you need? Do you need pet ...
by slowlrnr
Tue Sep 10, 2013 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Company wants to check my credit?
Replies: 19
Views: 2190

Re: Term Life Insurance Agent in California

I got two separate term life policies via http://www.3dquotes.com I have sent them a request for quote and will wait for them. I just got my term life from Transamerica via selectquote.com. It was a 3 start out of 4 experience I sent them a request also and will wait. Why not buy from SBLI direct? ...
by slowlrnr
Tue Sep 10, 2013 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Agent in California
Replies: 11
Views: 637

Re: Great West Retirement Services 401(k) rollover

My wife has a 401(k) administered by the above insurance company. It allows investments in various mutual funds. If she were to roll-over her 401(k) to Vanguard when she leaves her job, would the shares in her mutual funds roll-over as the # of shares currently in her plan? I ask this since the # o...
by slowlrnr
Mon Sep 09, 2013 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Great West Retirement Services 401(k) rollover
Replies: 3
Views: 319

Re: Term Life Insurance Agent in California

technovelist wrote:I've had a pretty good experience with AIG / Matrix Direct. I'm pretty sure they have agents licensed in all states.


Sure, I will contact them directly but both the quotes are higher than what I am getting for SBLI.
by slowlrnr
Mon Sep 09, 2013 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Agent in California
Replies: 11
Views: 637

Re: Term Life Insurance Agent in California

Term4Sale.com should have provided you with some listings. Did you try those? Otherwise I would suggest a google search for "independent insurance agent" + your zip code. Yes, I sent them emails and one of the three suggestions responded and said that the quote shown was not available and...
by slowlrnr
Mon Sep 09, 2013 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Agent in California
Replies: 11
Views: 637
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