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Re: Help: Three Fund Portfolio at Fidelity

Or use a Freedom Index fund that invests in all three. https://www.fidelity.com//fund-screener/evaluator.shtml#!&ntf=Y&ft=BAL_TD%2CBAL_TI%2CBAL_TK%2CBAL_TG%2CBAL_TN%2CBAL_TH%2CBAL_TE%2CBAL_TA%2CBAL_TJ%2CBAL_TL&mgdBy=F&sortBy=FUND_MST_LEGAL_NM&sortDr=asc&expV=advanced&expA...
by tfb
Thu Nov 20, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 7
Views: 477

Re: ACA subsidy question

jim779 wrote:If you make too little money to qualify for a subsidy can you buy a policy through the ACA website anyway?

Make more money and qualify for a subsidy by converting some money from traditional 401k/IRA to Roth.
by tfb
Thu Nov 20, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy question
Replies: 8
Views: 749

Re: Can I max out day job 401k and Individual 401k for side

So it seems that $52,000 is the absolute maximum from any combined uses of tax sheltered vessels in 2014. Is that correct? Not correct. It's the max per [unrelated] employer, not including age 50 catch up, not including 457 (if your employer has one), not including personal IRA. I probably forgot a...
by tfb
Thu Nov 20, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I max out day job 401k and Individual 401k for side biz?
Replies: 7
Views: 956

Re: What financial tools/software do you use?

stickman731 wrote:Yes, MSMoney still works, but it does not handle stock transactions.

I guess you have a different definition for "handle." It handles stock transactions for me just fine.
by tfb
Thu Nov 20, 2014 12:16 am
 
Forum: Personal Finance (Not Investing)
Topic: What financial tools/software do you use?
Replies: 35
Views: 2141

Re: Does Fidelity allow Real Estate investments?

would there be any way to buy and use a real estate rental property as a part of a solo 401k? or isnt that really even an option in such a plan? if so, how and where could i go about doing such things? thanks. Not really a good idea, but if you must, google "self-directed ira." You lose t...
by tfb
Wed Nov 19, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Fidelity allow Real Estate investments?
Replies: 9
Views: 969

Re: What financial tools/software do you use?

What are these Vanguard/Fidelity/Financial Institution's Programs that are getting many votes? I know of no program from Vanguard. Just the pie charts?
by tfb
Wed Nov 19, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What financial tools/software do you use?
Replies: 35
Views: 2141

Re: My 2015 ETF IRA purchase date: 30 DEC 2014

*Can you go one day earlier if your broker allows you to transfer funds on the settlement date to clear trades? Sure, but I’ve never bothered to determine if VBS would go for that – I like a wider margin of safety when dealing with them. If you are pushing it, why not push all the way? If you like ...
by tfb
Tue Nov 18, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: My 2015 ETF IRA purchase date: 30 DEC 2014
Replies: 3
Views: 715

Re: Vanguard Individual 401K Rollovers

What differentiates the i401k offered by these particular companies is what the Adoption Agreement chooses to elect. Therefore, if the wording of the plan document states something like "the plan sponsor [Vanguard] may elect for Traditional IRA's Rollovers into the 401k plan" then you mus...
by tfb
Mon Nov 17, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2324

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Now I'm confused - the referenced VG page has this †TurboTax Online users who are filing Schedules D or E are required to use TurboTax Premier. Users filing Schedules C or F must use TurboTax Home & Business. This change currently doesn't apply to TurboTax Desktop products. My guess is that &qu...
by tfb
Mon Nov 17, 2014 10:10 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 56
Views: 5832

Re: 401K catch-up if >70.5

john94549 wrote:Query: if one is 70.5 years of age and still employed, and a 401K participant, can the employee still make catch-up contributions to one's 401K?

Yes.
by tfb
Mon Nov 17, 2014 10:08 am
 
Forum: Investing - Theory, News & General
Topic: 401K catch-up if >70.5
Replies: 5
Views: 365

Re: Take ACA Subsidy vs. Roth coversion???

Depends on how much you need to convert. If a lot, not enough to fit just between 65 and 70, you can convert some every year up to just under the 400% FPL line, or take a bigger bath in one year and none the other years. The subsidy basically creates a surcharge on marginal tax rate. See blog posts:...
by tfb
Mon Nov 17, 2014 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Take ACA Subsidy vs. Roth coversion???
Replies: 7
Views: 981

Re: Vanguard Individual 401K Rollovers

I have a hard copy, but I don't think an electronic one. Can you look for a section with the heading "ROLLOVER CONTRIBUTIONS"? Her's what the new doc says: 3.07 ROLLOVER CONTRIBUTIONS Unless otherwise elected in the Adoption Agreement, an Employee may make Indirect Rollover and Direct Rol...
by tfb
Sun Nov 16, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2324

Needed: Vanguard solo 401k document before latest revisions

In this thread it appears the latest Vanguard solo 401k document says it accepts incoming rollovers from other plans and IRAs. But when someone asked, Vanguard said they still don't accept. http://www.bogleheads.org/forum/viewtopic.php?f=1&t=150289 If someone saved the old plan document before t...
by tfb
Sun Nov 16, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Needed: Vanguard solo 401k document before latest revisions
Replies: 1
Views: 181

Re: Vanguard Individual 401K Rollovers

I'm just curious if anyone knows if this new document is actually any different from the old document(s). Nobody saved the old document? Do we need a new thread to ask forum members? I guess that depends on how interested you might be in finding out. I'm not interested enough to find it and read it...
by tfb
Sun Nov 16, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2324

Re: Vanguard Individual 401K Rollovers

retiredjg wrote:I'm just curious if anyone knows if this new document is actually any different from the old document(s).

Nobody saved the old document? Do we need a new thread to ask forum members?
by tfb
Sun Nov 16, 2014 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2324

Re: Vanguard Individual 401K Rollovers

Tell them to make sure this is their final answer from their compliance department before you send their reply and the plan document and adoption agreement to the IRS and DOL. The IRS contact is in the determination letter included in the new plan document kit. The IRS said this about not operating ...
by tfb
Sun Nov 16, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2324

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Guess I'm failing to see how removing offerings that have always been in a version and charging the same price enhances the consumer experience. The upgrade path may be prominently displayed, but I'm guessing customer service will be getting plenty of calls from disappointed and angry customers try...
by tfb
Sat Nov 15, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 56
Views: 5832

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Seems to me its a lot more trouble ripping out the code. Normally they wouldn't rip out the code. It is probably set up to recognize the license type and activate the relevant sections at installation. The software package itself probably has everything already built in. Agree. It's very easy to do...
by tfb
Sat Nov 15, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 56
Views: 5832

Re: fidelity refusing custodian custodian rollover

One question for anyone: If you leave an employer and then you transfer out of the employer plan Fidelity 401k/403b to a Fidelity IRA, is it (a) a same day transfer and (b) are assets transferred "in kind", at least if they are Fidelity mutual funds, or at least do you get to sell then bu...
by tfb
Sat Nov 15, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 29
Views: 2073

Re: Vanguard Split Acct - did I cause this?

Funkey wrote:Welcome to Vanguard customer service. May you not pull your hair out trying to get a correct answer.

The rep didn't cause the problem. Its poor IT system did.
by tfb
Sat Nov 15, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Split Acct - did I cause this? (NOT)
Replies: 23
Views: 1643

Re: fidelity refusing custodian custodian rollover

For obvious reasons, I do not want to do that since I've heard stories where the 30 days pass & one essentially withdrew the retirement money & now owe penalty taxes. The stories you heard, popularized in part by Clark Howard and maybe Suze Orman, are not accurate. As long as the check is m...
by tfb
Sat Nov 15, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 29
Views: 2073

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

This is better than the confusing message last year (online no, desktop yes). It makes it transparent to the users in terms of price vs features. Users can always choose a different product instead of upgrading. The features are announced up front. Having a particular feature in a particular version...
by tfb
Sat Nov 15, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 56
Views: 5832

Re: "Finding, and Battling, Hidden Costs of 401(k) Plans"

Keep in mind the 401k cost is only a very small factor in choosing an employer. I'm interviewing for a job next week. The job may not even offer a 401k. If I'm offered the job, I likely will still take it. It's much better to focus on the job and the employer. 401k cost comes in only when everything...
by tfb
Fri Nov 14, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: "Finding, and Battling, Hidden Costs of 401(k) Plans"
Replies: 5
Views: 639

Re: Isn't everybody here market timing, by definition?

Even if you don't time the market, the market times you. See Bernstein e-book on the big difference in the number of years to achieve the same depending on which year you start investing.
by tfb
Fri Nov 14, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Isn't everybody here market timing, by definition?
Replies: 32
Views: 1841

Re: Navy Federal GO Prepaid Card: travel abroad

Why not just use the regular debit card?
by tfb
Fri Nov 14, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Navy Federal GO Prepaid Card: travel abroad
Replies: 5
Views: 698

Re: Roth 401(k) vs. 401(k) Spreadsheet Attempt - Critique Pl

Financebuff would do a great favor by adding these when he is making a case for Roth for people who are maximizing the contributions and are on their way to building enough wealth that could last generations. To be clear, I'm not against *having* or *holding* Roth accounts. I'm against *contributin...
by tfb
Wed Nov 12, 2014 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: Roth 401(k) vs. 401(k) Spreadsheet Attempt - Critique Please
Replies: 10
Views: 1221

Re: Experience with Target Redcard?

One concern I have is with data breaches. Who wants to have crooks empty out their bank account. The RedCard debit card proved to be the safest card in the Target breach last year. I didn't change the number, nor the PIN. No unauthorized charges. Not just me, but for all RedCard debit card holders....
by tfb
Wed Nov 12, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Experience with Target Redcard?
Replies: 30
Views: 2638

Re: Self directed 401(k) is only option

Does anyone know or have experience with online brokerages that do offer an option for us? Or Is this truly a situation for a well selected financial advisor? One online group suggested we could use a regular SEP-IRA, another said we should use a Solo401k (we are W2 employee) and both sounded VERY ...
by tfb
Wed Nov 12, 2014 10:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Self directed 401(k) is only option
Replies: 6
Views: 603

Re: Self directed 401(k) is only option

I believe Vanguard calls these FBO accounts. They stopped accepting them.
by tfb
Tue Nov 11, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Self directed 401(k) is only option
Replies: 6
Views: 603

Re: Rollover current employers 401k plan to personal IRA

If you are under 59 1/2 then by law employee deferrals or Roth contributions can't be rolled over at all but for that age or employer contributions or employee after tax contributions it's up to the plan to allow or not and what restrictions they add (my plan stops matching for six months if you ta...
by tfb
Tue Nov 11, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Rollover current employers 401k plan to personal IRA
Replies: 3
Views: 238

Re: Food Frugality: Where do you draw the line?

Where do you draw the line on spending on food, and your food choices? Do you choose to save money in other places, so you can spend it on "quality" food, supposedly investing in your body? [Mainstream] food is too cheap in this country. After visiting Norway and tasting their quality foo...
by tfb
Tue Nov 11, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6142

Re: Local bank without any checking account fees?

A few replies missed this requirement:
achen9291 wrote:I just need an account which I can deposit cash without any fees for any amount I have in there, just in case someone were to give me cash and I need to deposit.
by tfb
Mon Nov 10, 2014 9:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Local bank without any checking account fees?
Replies: 31
Views: 2106

Re: Vanguard Individual 401K Rollovers

That's interesting. But wouldn't the Adoption Agreement be specific to a certain plan? Might the Adoption Agreement for a Solo be different from the Adoption Agreement for a regular 401k? The Adoption Agreement is included in the solo plan document package here: https://personal.vanguard.com/us/Lit...
by tfb
Mon Nov 10, 2014 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2324

Re: Vanguard Individual 401K Rollovers

Yes, but....that is a basic plan document that could cover a lot of different types of plans. The Adoption Agreement which is specific for solo 401k plans may disallow this for solo 401k plans. I looked at the Adoption Agreement. I don't see anything explicitly excluding rollover contributions. By ...
by tfb
Mon Nov 10, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2324

Re: Vanguard Individual 401K Rollovers

So has anyone successfully done this at Vanguard or is it not allowed even though the actual plan seems to say otherwise (tfb?)? It used to not allow. I don't have the old plan document. Maybe someone has and can compare. The plain reading of the new plan document says it allows. The burden is on t...
by tfb
Sun Nov 09, 2014 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2324

Re: HDHP and Low Deductible Health Plan Coordination of Bene

Jim_Holm wrote:How would the coordination of benefits work for these two plans if my wife were sent a bill for $1000 for covered services assuming this is the first time during the year that either of us have used our health insurance?

When primary pays nothing, secondary becomes primary.
by tfb
Sun Nov 09, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP and Low Deductible Health Plan Coordination of Benefits
Replies: 19
Views: 1710

Re: 1276% toll admin fee from Dollar. 86% of rental cost

I believe it's a mistake to looks at these things as percentages (1276% and 86%). You should look at the number of dollars. A 10,000% increase on a penny is not going to make a meaningful difference to many. A 5% increase on $100,00 is a notable amount of money. Exactly. When we invest we look at t...
by tfb
Sun Nov 09, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: 1276% toll admin fee from Dollar.
Replies: 89
Views: 6587

Re: Fidelity HSA Questions

Fidelity charges $12/quarter $48/year for their HSA accounts (typically covered by the employer while employed). This is a bargain compared to other HSA options and a super bargain when you consider your access to low expense ratio index funds Many people fail to consider the lost opportunity cost ...
by tfb
Sun Nov 09, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Questions
Replies: 12
Views: 857

Re: Pay for Release from Escrow

So...is it worth it to pay $600 for release from escrow? It's mostly mental, but I don't like forking over money every month to sit in someone else's bank account. No. Your average balance in escrow is maybe $4,000. At a 1% "high yield" savings account, you earn $40/year before tax. Pay $...
by tfb
Sun Nov 09, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay for Release from Escrow
Replies: 5
Views: 629

Re: Inconsistent calculation of Individual 401(k) contributi

embarassmentofriches wrote:Would you (or anyone else) be able to point me to the sections of the IRS publications that deal with after-tax contributions?

Moot, because ...
Spirit Rider wrote:To my knowledge, there are no mainstream individual 401k providers that have plans allowing after-tax contributions/in-service rollovers.
by tfb
Sat Nov 08, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inconsistent calculation of Individual 401(k) contribution
Replies: 7
Views: 659

Re: Should we refinance?

My concern isn't the monthly payment; it's about minimizing interest and I don't love having a rate that starts with the number 5. If you are not concerned about payments, come up with $22k to make it 80% LTV and get 15-year fixed. You will have a rate at ~3.125%. If you can't do that, firstib.com ...
by tfb
Fri Nov 07, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should we refinance?
Replies: 30
Views: 1688

Re: Outperforming the index

At yesterday's market close the S&P 500 index had gained 9.89% for the year [without dividends?] . TIAA-CREF's S&P 500 Index (expense ratio 0.06%) returned 11.71%; and Vanguard S&P 500 Index Admiral Shares (expense ratio 0.05%) returned 11.74% YTD. Not sure where you got the 9.89% numbe...
by tfb
Fri Nov 07, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Outperforming the index
Replies: 8
Views: 688

Re: A Comforting Fact for Me

Interest rates coming down from double digits didn't produce many down years for bonds to begin with.
by tfb
Thu Nov 06, 2014 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: A Comforting Fact for Me
Replies: 6
Views: 1619

Re: Vanguard Individual 401K Rollovers

Just got off the phone with Vanguard rep - he told me that the Vanguard Individual/Solo 401K does not accept rollovers? I have a Rollover (traditional) IRA that I would like to roll into my Individual 401K. I am reading the 401(K) Basic Plan Document, page 36 covers rollover contributions, first li...
by tfb
Thu Nov 06, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2324

Re: Apple Pay, Google Wallet, credit, and us

I don't want to derail this Apple Pay and Google Wallet discussion into a Target or credit vs debit discussion. All I'm saying is if there's a multi-retailer product with meaningful benefits to the consumer, I for one would be willing to take it at the cost of not using it through Apple Pay or Googl...
by tfb
Wed Nov 05, 2014 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8548

Re: Apple Pay, Google Wallet, credit, and us

I would never link my checking account to something like that. There are horror stories of stores accidentally moving the decimal point in your purchase price and charging the wrong amount by thousands, which would come right out of your bank account then be a lot more of a hassle to get remedied t...
by tfb
Wed Nov 05, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8548

Re: Apple Pay, Google Wallet, credit, and us

It may be that retailers are willing to discount prices more heavily for more information about their customers and lower swipe fees. I have a Target REDCard debit card that debits my checking account directly. It was the safest card during the Target data breach. I didn't change my card number, no...
by tfb
Wed Nov 05, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 8548

Re: Paying portfolio fees to Fidelity vs investing on own

If you want to stay with Fidelity, which is the easiest option, just go with the Spartan Advantage series. They are very cheap. Here's a list of them in the wiki, with everything you need for a decent portfolio. http://www.bogleheads.org/wiki/Fidelity Or just use a Fidelity Freedom Index Fund. I ju...
by tfb
Wed Nov 05, 2014 10:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying portfolio fees to Fidelity vs investing on own
Replies: 17
Views: 1334

Re: Problems with robo advisors I see, do you too ?

sayeesh wrote:I wonder, how others are not facing the issues that I am facing with them.

If you want this much control, the service is not for you. Other people's objectives are completely different. Don't blindly follow.
by tfb
Wed Nov 05, 2014 2:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Problems with robo advisors I see, do you too ?
Replies: 8
Views: 1098

Re: Possible to contribute after-tax to plan to get match?

2). JustMe, you noted that I may not be eligible for 6% of my full yearly salary for matching if I started the job later in the year. This is something I definitely need to ask about. This is true. Your salary for this purpose is the actual salary earned during your first year of employment, not yo...
by tfb
Tue Nov 04, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Possible to contribute after-tax to plan to get match?
Replies: 9
Views: 936
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