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Re: Examples of load-only fund families?

Load is often waived in a 401k plan. Before you write it off ask whether the load is waived.
by tfb
Thu Jan 08, 2015 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Examples of load-only fund families?
Replies: 36
Views: 2504

Re: HSA not associated with employer and FSA

For the case of argument, let us assume my current health care plan meets the HSA requirements. What are my options for this year and next, thanks? None. Having a general purpose FSA disqualifies you for both years. I'll try again. This is not the Original Poster's Original Post, which asked about ...
by tfb
Thu Jan 08, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA not associated with employer and FSA
Replies: 11
Views: 1126

Re: HSA not associated with employer and FSA

555 wrote:Both? Why should an FSA in 2015 disqualify HSA eligibility for 2016?

The OP didn't ask about 2016.

Goblue97 wrote:Have FSA at $2500 in 2015 and had FSA at $2500 for 2014

Goblue97 wrote:Can I do this for 2014 (before April) or for 2015 in combination with the FSA for one or both years?
by tfb
Thu Jan 08, 2015 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA not associated with employer and FSA
Replies: 11
Views: 1126

Re: HSA not associated with employer and FSA

Goblue97 wrote:For the case of argument, let us assume my current health care plan meets the HSA requirements. What are my options for this year and next, thanks?

None. Having a general purpose FSA disqualifies you for both years.
by tfb
Wed Jan 07, 2015 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA not associated with employer and FSA
Replies: 11
Views: 1126

Re: Roll i401(k) to IRA each year?

retiredjg wrote:When it comes to Solo 401k, I think Fido has the more flexible product (although I'm not sure which might offer the Roth option).

Vanguard offers Roth; Fidelity does not.
by tfb
Tue Jan 06, 2015 5:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll i401(k) to IRA each year?
Replies: 16
Views: 1120

Re: Roll i401(k) to IRA each year?

JamesSFO wrote:there is no qualifying event that would allow the distribution AFAIK.

Agree. Installment distribution or not, it has to be eligible for distribution first.
by tfb
Tue Jan 06, 2015 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roll i401(k) to IRA each year?
Replies: 16
Views: 1120

Re: Do you spend more when using credit cards?

The statements about overspending are not hearsay but are based on controlled experiments that produced statistically significant results. However, I don't think you will get accurate responses here. Overconfidence is a common cognitive bias that afflicts the Bogleheads as much as, if not more so t...
by tfb
Tue Jan 06, 2015 3:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you generally spend more when using credit cards?
Replies: 71
Views: 2702

Re: Post-tax 403(b) contribution to get employer match?

Bummer. The plan rules don't allow for in service distribution, so no mega-backdoor Roth for me. Make sure the person you ask understand you are asking about in-service distribution of post-tax dollars and earnings not in-service distribution of pre-tax dollars and earnings. Get the SPD and read it...
by tfb
Tue Jan 06, 2015 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Post-tax 403(b) contribution to get employer match?
Replies: 7
Views: 510

Re: HSA not associated with employer and FSA

Employed by Company that has no HSA option Current health insurance is high deductible plan (for HSA purposes) Have FSA at $2500 in 2015 and had FSA at $2500 for 2014 A high deductible alone doesn't make the plan HSA-eligible. It also has to meet some other rules, for instance no coverage for offic...
by tfb
Tue Jan 06, 2015 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA not associated with employer and FSA
Replies: 11
Views: 1126

Re: Sending 1099s for small business

It's been a long time since I've filled out the form, but it appears that the IRS still hasn't entered the 21st century and they still do not have an online way of doing this. I searched online and found this site https://www.track1099.com which seems to be exactly what I am looking for. Does anyon...
by tfb
Mon Jan 05, 2015 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sending 1099s for small business
Replies: 8
Views: 613

Was it a mistake to move into PenFed 5-year CDs a year ago?

Many on these forums bought PenFed 5-year CDs when they were at 3% a year ago. No doubt many also realize now that money left in the Vanguard Total Bond Market Index Fund returned more than 3% in 2014. I received these comments on my blog: At hindsight, what a blunder that I moved my funds from “Van...
by tfb
Mon Jan 05, 2015 10:36 am
 
Forum: Investing - Theory, News & General
Topic: Was it a mistake to move into PenFed 5-year CDs a year ago?
Replies: 55
Views: 4860

Re: Today is a Good Day to fund the 2015 IRA

Toons wrote:Just a friendly reminder,go ahead and fully fund that 2015 IRA if you have taken care of your 2014,why not?
Remember,,"Time Not Timing" :sharebeer

It looks like today, Jan. 5, is a better day than Jan. 2.
by tfb
Mon Jan 05, 2015 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Today is a Good Day to fund the 2015 IRA
Replies: 69
Views: 8118

Re: "The Most Successful Investors Leave Their Money Alone"

There are at least three reasons I can think of that make this true. Along the same lines: Fidelity did a study showing that Fidelity's most successful investors were those who had forgotten they had an investment account at Fidelity. I'm guessing another reason is that those who leave it alone or ...
by tfb
Sun Jan 04, 2015 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: "The Most Successful Investors Leave Their Money Alone"
Replies: 30
Views: 5329

Re: 3-member LLC with a solo 401K?

Anyone know if I can I have a solo 401k for myself within a 3-member (owner) LLC consisting of myself, spouse, and non-related partner? The law allows. A plan can be more restrictive. If Fidelity's plan doesn't allow, but Vanguard's plan allows, they are both legal. The opportunity to participate m...
by tfb
Sun Jan 04, 2015 12:10 am
 
Forum: Personal Finance (Not Investing)
Topic: 3-member LLC with a solo 401K?
Replies: 16
Views: 1879

Re: Roth 401k + Roth IRA limits

My plan was to put this into the 401k as after tax contributions then dump it into the Roth as an in service distribution. When I learned of the company policy of suspending the company match for six months following an in service distribution that threw a wrench in my plan. You can do the in-servi...
by tfb
Fri Jan 02, 2015 12:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k + Roth IRA limits
Replies: 13
Views: 1058

Re: What dangers in DIY 401K?

I recently received an email from George Blower at My Solo 401K and he confirmed that it is possible to make an all employee after tax 401K which gets you to 53K Roth contributions (roth deferral of 18000, 5500 catchup, 29500 aftertax then in-plan rollover). This seems more like a mega-kick-down-th...
by tfb
Wed Dec 31, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: What dangers in DIY 401K?
Replies: 3
Views: 522

Re: Roth/Trad401k/taxable withdrawal impact on Soc Sec, ACA,

bhsince87 wrote:Does any one know of a "one stop" website or chart that has this info broken out by account type and benefit type?

You already have 2/3 of it. Roth withdrawals if qualified (after 59-1/2, first Roth > 5 years) don't count as income for any of these.
by tfb
Wed Dec 31, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth/Trad401k/taxable withdrawal impact on Soc Sec, ACA, etc
Replies: 2
Views: 260

Re: What dangers in DIY 401K?

Does anyone have any cautionary tales of DIY 401K? Warnings for non-accountant in uncharted waters? Hidden costs lurking? If you don't mind paying a modest fee, it's feasible. If you are afraid you might do something wrong, you can outsource the work to an administrator. I will have a blog article ...
by tfb
Wed Dec 31, 2014 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: What dangers in DIY 401K?
Replies: 3
Views: 522

Re: After tax 401K - Am I eligible for rollover to ROTH IRA?

Don't designate it as Roth. The after-tax contributions will come with some earnings. You pay tax on the earnings (if small) or your roll the earnings into a traditional IRA (if large). Now, I am confused. I thought that I should designate the contributions as ROTH , which I thought was After-Tax. ...
by tfb
Wed Dec 31, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: After tax 401K - Am I eligible for rollover to ROTH IRA?
Replies: 5
Views: 686

Re: Formula for dividend tax drag?

A cumulative difference of 4.5% over 30 years doesn't seem that much to me. A dividend tax rate of 28% would increase the cumulative dividend drag to 11.5%, which starts to become meaningful, although would be overcome by a small change in annual return. If you are going to put it in a spreadsheet,...
by tfb
Wed Dec 31, 2014 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 36
Views: 2096

Re: Solo 401k in-service Rollover

Hm, after some research, it appears that Electrive Deferrals are excluded from from Eligible Rollover Distribution (CFR 1.402(c)-2 A3 & A4). However, nonqualified distributions appears to be allowed by law (CFR 1.402A-1 A3). This Investopedia article provides a dummy explanation: Qualified or n...
by tfb
Wed Dec 31, 2014 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k in-service Rollover
Replies: 3
Views: 416

Re: After tax 401K - Am I eligible for rollover to ROTH IRA?

Wouldn't this simple statement mean that every year, I can apply for withdrawal of my 401K after-tax contributions and roll them over into my Vanguard ROTH IRA? I do not believe it is that simple. Or maybe it is. Please advise. Yes it's that simple. Don't designate it as Roth. The after-tax contrib...
by tfb
Wed Dec 31, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: After tax 401K - Am I eligible for rollover to ROTH IRA?
Replies: 5
Views: 686

Re: Formula for dividend tax drag?

Under other assumptions, the difference could be meaningful. The only way I have to get comfortable that the difference is small is to run through the numbers using the more complete formula. Small differences accumulate over longer time. If you change the number of years from 10 to 30, the formula...
by tfb
Tue Dec 30, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: Formula for dividend tax drag?
Replies: 36
Views: 2096

Re: Have you donated stocks/funds to a charity?

acegolfer wrote:It's a tax saving strategy. I have never done it but I plan to do with my Vanguard mutual funds in 2015. Any tips?

Search the forums. I remember reading that Vanguard requires that the receiving organization establishes an account at Vanguard.
by tfb
Tue Dec 30, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you donated stocks/funds to a charity?
Replies: 7
Views: 902

Re: Solo 401k in-service Rollover

a Recipient may elect, at the time and in the manner prescribed by the Plan Administrator, to have any portion of an Eligible Rollover Distribution that is equal to at least $500 (or such lesser amount if the Plan Administrator permits in a uniform and nondiscriminatory manner) paid directly to an ...
by tfb
Tue Dec 30, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k in-service Rollover
Replies: 3
Views: 416

Re: Post-tax 403(b) contribution to get employer match?

Should I contribute post-tax dollars to the 403(b) to maximize employer match? Yes. The match will be pre-tax. Chances are you can roll over the post-tax dollars to a Roth IRA, which stops the clock on taxing the earnings. Ask you plan administrator. Thanks tfb. Is doing that Roth conversion the &q...
by tfb
Tue Dec 30, 2014 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Post-tax 403(b) contribution to get employer match?
Replies: 7
Views: 510

Re: Mortgage Question

Kjmiller1984 wrote:going from 30 year fixed to 30 year fixed. Current rate is i believe 4.15% Penfed is offering 3.625 at 0 points and 3.375 at 1.5 points.

Plus 1% origination fee and no credit for closing cost. Not the best rate+fees IMO. https://penfed.org/30-Year-Fixed-Mortgage/
by tfb
Tue Dec 30, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Question
Replies: 10
Views: 1009

Re: Post-tax 403(b) contribution to get employer match?

Compound wrote:Should I contribute post-tax dollars to the 403(b) to maximize employer match?

Yes. The match will be pre-tax. Chances are you can roll over the post-tax dollars to a Roth IRA, which stops the clock on taxing the earnings. Ask you plan administrator.
by tfb
Tue Dec 30, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Post-tax 403(b) contribution to get employer match?
Replies: 7
Views: 510

Re: Non-Roth non-deductible 401k limits

Welcome to the forum. A few pointers will help you sort these out. (1) A 457 plan is completely separate. It doesn't interact with any of these calculations. (2) The $53,000 limit is a limit imposed on the employer. Each unrelated employer gets its own $53,000 limit. Note the emphasis on unrelated. ...
by tfb
Tue Dec 30, 2014 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-Roth non-deductible 401k limits
Replies: 2
Views: 351

Re: Would You Trust This Webpage?

How about just switching http:// to https:// manually in the link? What's the domain? Interesting thought.........the same page seems to come up if I stick the https stuff up front. Incidentally there is no http for the normal page...... just some sony store stuff. Does that actually make it secure...
by tfb
Tue Dec 30, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would You Trust This Webpage?
Replies: 22
Views: 2174

Re: Would You Trust This Webpage?

How about just switching http:// to https:// manually in the link? What's the domain?
by tfb
Tue Dec 30, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would You Trust This Webpage?
Replies: 22
Views: 2174

Re: Vanguard Turbo Tax prices anounced

Carl53 wrote:
gd wrote:By the way, if anyone finds a way to get a refund for having paid for what is now free, let us know.


+1

Try the TurboTax refund request form?

https://support.turbotax.intuit.com/for ... equest.jsp
by tfb
Tue Dec 30, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 88
Views: 14192

Re: Engaged - marriage penalty & other practical concerns

Theorem: You cannot have all three of: ⋅ All married couples with the same combined income pay the same tax. ⋅ All married couples pay the same tax as they would as two singles. ⋅ Progressive income tax*. While true, the first property isn't necessarily a desirable fea...
by tfb
Tue Dec 30, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engaged - marriage penalty & other practical concerns
Replies: 50
Views: 3874

Re: How much more do rebate cards cost than checks?

it must cost the company more to buy the prepaid cards than checks? is it because companies hope people wont bother spend the last few cents left on the card thus pure profit for the company? does this make up for the additional cost of the prepaid card? The unspent money on the prepaid card eventu...
by tfb
Mon Dec 29, 2014 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much more do rebate cards cost than checks?
Replies: 13
Views: 778

Re: Fund inflow data, where is the enthusiam?

These fund flow data should be presented together with the total dollars invested in the funds. Yes there are flows in or out but the total base is many times larger. Flows are like waves in the ocean. The look tall but they are merely ripples if you look at how deep the ocean is.
by tfb
Sun Dec 28, 2014 8:15 pm
 
Forum: Investing - Theory, News & General
Topic: Fund inflow data, where is the enthusiam?
Replies: 2
Views: 478

Re: First Backdoor Roth at Vanguard

Alert wrote:If you exchange to other funds, the uncollected balance of $5,500.00 may not be available to sell online from the new fund until 01/01/2015.

If you are not planning to sell the new fund before 01/01/2015, you can safely ignore this warning.
by tfb
Sat Dec 27, 2014 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Backdoor Roth at Vanguard
Replies: 2
Views: 623

Re: HELP IRA contribution mistake by financial institution

The title is wrong. It was not a mistake by financial institution.
by tfb
Sat Dec 27, 2014 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP IRA contribution mistake by financial institution
Replies: 23
Views: 1082

Re: Non-mutual fund retirement trusts.. Safe?

Yes, but how does the lack of govt regulation affect me? It doesn't. It's not under the Securities Act of 1933 but it's still under other government regulations. See Wiki http://www.bogleheads.org/wiki/Collective_Investment_Trusts. You don't get a prospectus, a ticker symbol, or a semi-annual repor...
by tfb
Sat Dec 27, 2014 1:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Non-mutual fund retirement trusts.. Safe?
Replies: 10
Views: 881

Re: Non-mutual fund retirement trusts.. Safe?

tranceFusion wrote:or if I should just compare the fees and asset classes of these trusts against the handful of mutual funds in the plan as I normally would.

Yes. It's just a different structure. Within the trust or the fund, it still has the underlying stocks and bonds.
by tfb
Sat Dec 27, 2014 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Non-mutual fund retirement trusts.. Safe?
Replies: 10
Views: 881

Re: Poll: How important is rebalancing?

BogleBoogie wrote:If choosing your AA is the most important decision one makes in the world of Boglehead minded investing ...

It's not. Therefore rebalancing to whatever was chosen that may or may not be optimal is not that important.
by tfb
Fri Dec 26, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How important is rebalancing?
Replies: 51
Views: 5637

Re: Botched Recharacterization?

I have to say, I am reluctant to trust Vanguard with another recharacterization. Especially over the holidays, this is not worth the trouble. :annoyed I agree, especially one that has a linked brokerage account and had money go in and out. If it was just a straight self-contained mutual fund accoun...
by tfb
Fri Dec 26, 2014 10:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Botched Recharacterization?
Replies: 22
Views: 2162

Re: New Amex Chip & Signature Card: Chip & PIN?

The big question is, will this work as a chip & PIN card in Europe? I guess I'll find out in April when I go to Amsterdam. (The issue in Europe is that they have unattended, or even attended, railroad ticket machines that require a chip & PIN. Either that, or cash. USA regular credit cards ...
by tfb
Fri Dec 26, 2014 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Amex Chip & Signature Card: Chip & PIN?
Replies: 7
Views: 806

Re: Bad idea to put TBM in taxable?

http://thefinancebuff.com/tax-efficiency-relative-or-absolute.html IMO this article is a little misleading. Its conclusions are valid only for Roth accounts - I.e., tax-free accounts. For tax-deferred accounts, you will eventually pay taxes on the income, and you'll be turning your long-term capita...
by tfb
Thu Dec 25, 2014 8:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad idea to put TBM in taxable?
Replies: 17
Views: 1322

Re: Considering a pay cut for a career change

Make sure you understand what equities/credit "research" means if you are sell side. The concepts you learn in school, and what you are passionate about, may not be what you practice in this industry. I agree, especially when it's a VC funded startup, not an established reputable firm in ...
by tfb
Thu Dec 25, 2014 7:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Considering a pay cut for a career change
Replies: 19
Views: 2982

Re: After-tax 401(k) Limit

I'm curious if anyone has any idea why an employer would impose such a limit. It seems odd to me that they would allow the after-tax contributions at all if they are choosing to impose such a low limit. Odd but there isn't much you can do about it. Maybe it was just a historical accident. Maybe the...
by tfb
Wed Dec 24, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: After-tax 401(k) Limit
Replies: 5
Views: 624

Re: Poll: Do You Include Fixed Income in Net Worth Calculati

Suppose you and your wife have $1 million to go with SS and her generous pension. You decide you need a pension also, so you take $500k and buy a single premium lifetime annuity for yourself. Are you poorer today now that you only have $500k than you were yesterday? It's true that you could die tom...
by tfb
Wed Dec 24, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Include Pensions/SS/Annuities in NW Calculations?
Replies: 50
Views: 2818

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

I don't believe there is any requirement that when rolling out a distribution from a separately managed sub account (like after tax contributions) than any other sub accounts in an active plan need to be included in the distribution regardless of the ability to distribute or at least that's what I ...
by tfb
Tue Dec 23, 2014 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 116
Views: 14599
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