Search found 110 matches

Return to advanced search

If my company takes out too much social security tax

My company was bought out by Bi-Lo holdings in May, and I'm unable to view my last paycheck from my previous company. However, I'm pretty sure I'm above the 117k limit where social security tax should be cut off. If this new company is also unable to view my previous YTD earnings and takes out too m...
by ugaDAWGS09
Sat Nov 22, 2014 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: If my company takes out too much social security tax
Replies: 2
Views: 263

Re: Question about Vanguard total stock market

Thanks for the help, I will go ahead and purchase the fund.
by ugaDAWGS09
Fri Nov 14, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard total stock market
Replies: 8
Views: 1231

Question about Vanguard total stock market

I'm about to start my taxable account, and wanted to start by buying VTSMX (total stock market). My question is will I earn any dividends that have to be reported on taxes if I purchase the fund today, or has the stock already paid all of it's dividends for the year. Just didn't want to add extra ta...
by ugaDAWGS09
Fri Nov 14, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard total stock market
Replies: 8
Views: 1231

Re: Finally taking the next step - taxable account

See Backdoor Roth in the Wiki if you may be over the income limit. If you don't have a traditional IRA, it is pretty simple to do. If only one of you does, the other can do the B-Roth. A Roth is always better than taxable. I prefer mutual funds over ETFs for the same reason you do-no leftover money...
by ugaDAWGS09
Sat Nov 08, 2014 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally taking the next step - taxable account
Replies: 8
Views: 862

Re: Finally taking the next step - taxable account

... I'm going to be investing at Vanguard, and most likely investing all my money in Vanguard Total Stock Market (VTSMX). I have chosen to go the mutual fund over the index fund so that I can buy partial shares. ... Just to make the terminology point, index funds are mutual funds. Perhaps you meant...
by ugaDAWGS09
Sat Nov 08, 2014 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally taking the next step - taxable account
Replies: 8
Views: 862

Finally taking the next step - taxable account

My wife and I have decided to start investing in a taxable account. We are both maxing out 401k's now and will need somewhere else to put our money (not sure yet if we can do a normal Roth IRA waiting to file our taxes to get our MAGI). I'm going to be investing at Vanguard, and most likely investin...
by ugaDAWGS09
Sat Nov 08, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Finally taking the next step - taxable account
Replies: 8
Views: 862

Re: Anyone here buy land/houses at public auctions

Thanks for the advice. I'm really not looking at homes, but mostly just land with timber. Homes present a whole new set of problems that require lots of pre-inspection. However, with the land I may be able to find a good deal with some hard wood that can bring in a decent profit. Thanks again.
by ugaDAWGS09
Sat Oct 18, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here buy land/houses at public auctions
Replies: 6
Views: 1065

Anyone here buy land/houses at public auctions

I was looking through the legal section in my local newspaper and noticed several nice size lots of land for sale at a public auction. I was wondering if anyone here had experience with this type of situation. It says sold to the highest bidder for cash, but do you have to have the entire amount of ...
by ugaDAWGS09
Fri Oct 17, 2014 5:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here buy land/houses at public auctions
Replies: 6
Views: 1065

Re: Anyone here flip houses?

Thanks for all the info. I definitely won't be able to do the renovations myself, not only do I lack time but I lack the skill for that kind of work. My best friends dad, however, does this kind of work all the time. He does paint, carpet, builds cabinets, etc. Now if plumbing and electrical were to...
by ugaDAWGS09
Mon Jul 14, 2014 6:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 4972

Anyone here flip houses?

This is something I have been thinking about getting into for a while. Nothing big to start, just one house at the time. Any books you would recommend or any advice you would have for me? I'm just going to be doing it as a side job, and I would have to hire someone for the maintenance work for the h...
by ugaDAWGS09
Sun Jul 13, 2014 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 4972

Re: vtmfx-Vanguard Tax Managed Balanced Fund

I don't like this particular fund, even in a taxable account. It is tax-efficient as long as you hold it, but it is more likely to become inappropriate for your holdings because it locks you into a specific allocation. If you hold the balanced fund and want to sell bonds (to hold bonds in your reti...
by ugaDAWGS09
Mon Jun 02, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: vtmfx-Vanguard Tax Managed Balanced Fund
Replies: 7
Views: 1459

Re: Need help picking taxable fund

I'm not trying to adjust my A/A but just wanted a fund or funds to invest extra money similar to the way someone would invest in a CD. I didn't think most people would include a CD as part of their asset allocation.
by ugaDAWGS09
Mon Jun 02, 2014 6:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help picking taxable fund
Replies: 7
Views: 648

Need help picking taxable fund

My situation is as follows: My wife and I are in our late 20's. We currently have about 170k in our 401k/Roth invested at a ratio of 80:20. We max out all our tax advantaged space each year, but I'm looking to add a taxable account. However, my wife wants us to invest in something with more return t...
by ugaDAWGS09
Sun Jun 01, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help picking taxable fund
Replies: 7
Views: 648

Re: Company bought out - should I roll my money into 401k or

When I called today to get a check made payable to fidelity, the guy was really pushing rolling into an IRA. So yes its definitely an option for me at this point. So I told him I would ask the smartest people I knew. :D
by ugaDAWGS09
Thu May 29, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company bought out - should I roll my money into 401k or IRA
Replies: 13
Views: 556

Re: Company bought out - should I roll my money into 401k or

Do you feel the large cap fund which tracks and s and p provides plenty of diversity. I know its not a total stock market fund but figured it would serve the same purpose.
by ugaDAWGS09
Thu May 29, 2014 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company bought out - should I roll my money into 401k or IRA
Replies: 13
Views: 556

Re: Company bought out - should I roll my money into 401k or

Thanks for the advice. I'm usually just below the phase out for the Roth IRA, but don't know anything about how a backdoor IRA works so that part confuses me. I just wanted to keep the money all in one place so it would grow along with my new contributions from myself and my employer each week. Howe...
by ugaDAWGS09
Thu May 29, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company bought out - should I roll my money into 401k or IRA
Replies: 13
Views: 556

Re: Company bought out - should I roll my money into 401k or

By the way, I'm 28 and my account has just reached 6 figures, and this is money I don't plan on ever needing for loans.
by ugaDAWGS09
Thu May 29, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company bought out - should I roll my money into 401k or IRA
Replies: 13
Views: 556

Company bought out - should I roll my money into 401k or IRA

My company has recently been bought out and I have to decide whether or not to roll my 401k into the new companies 401k or into an IRA. I really don't know the advantages vs disadvantages of each. The new 401k is through Fidelity and seems to have several good index options for large cap, small cap,...
by ugaDAWGS09
Thu May 29, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company bought out - should I roll my money into 401k or IRA
Replies: 13
Views: 556

Re: Need help picking a bond fund for 401k

Thanks, I was thinking the same way. Invest in the lowest cost total bond market option available.
by ugaDAWGS09
Sat May 24, 2014 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help picking a bond fund for 401k
Replies: 5
Views: 411

Need help picking a bond fund for 401k

My company has recently switched over to Fidelity and I need help picking bond fund for my 401k. My options are as follows: PIM REAL RETURN INST (PRRIX) EXP .48 PIM TOTAL RETURN INST (PTTRX) EXP .46 VANGUARD TOTAL BND MARKET INST (VBTIX) EXP .07 BI-LO STABLE VALUE .36 (has an annual return of 2%, bu...
by ugaDAWGS09
Sat May 24, 2014 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help picking a bond fund for 401k
Replies: 5
Views: 411

Re: Advice on trading stock options

dickenjb wrote:Want advice? Don't do it.

The pros who play this game will skin and eat you.


That's what I figured, but I thought everyone has to start somewhere. I consider myself a pretty smart guy, but definitely not a stock market guru. However, I feel like I could learn it over time.
by ugaDAWGS09
Thu Apr 24, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on trading stock options
Replies: 2
Views: 212

Advice on trading stock options

First off, I have all my tax-advantaged accounts maxed, emergency fund in place, and plenty of other funds in CD's, savings, etc. (So I'm a boglehead at heart) However, I'm interested in trading options. This isn't something I want to be crazy about and risk tons of money, but I figured it would giv...
by ugaDAWGS09
Thu Apr 24, 2014 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on trading stock options
Replies: 2
Views: 212

Re: Advantage of 50/50 Wellington/Wellesley in Roth IRA?

Where is TREV with his Wellesley/Wellington dynamic duo charts when you need him? To check every stock in the Wellington portfolio Go to Vanguard (mutual fund section) Click on Wellington On the Overview page, go to the bottom right Just above "Buy" click on "Portfolio Holdings"...
by ugaDAWGS09
Wed Apr 09, 2014 7:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Advantage of 50/50 Wellington/Wellesley in Roth IRA?
Replies: 8
Views: 1544

Re: Advantage of 50/50 Wellington/Wellesley in Roth IRA?

So are you recommending me stick with index funds vs actively managed funds? I use index funds in my 401 but just really like the investments in wellington for my Roth. The expense ratio is still low and I personally don't mind some active managed funds. Just trying to decide if I should split my in...
by ugaDAWGS09
Tue Apr 08, 2014 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advantage of 50/50 Wellington/Wellesley in Roth IRA?
Replies: 8
Views: 1544

Advantage of 50/50 Wellington/Wellesley in Roth IRA?

Currently, my wife and I are both 100% invested in Wellington fund in our Roth IRA. I chose Wellington because it's a very stable fund, that has produced good results for several decades. However, I see where some people go 50/50 with Wellington and Wellesley in their accounts, is their an advantage...
by ugaDAWGS09
Tue Apr 08, 2014 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advantage of 50/50 Wellington/Wellesley in Roth IRA?
Replies: 8
Views: 1544

How often do you rebalance to maintain your AA

I was thinking about rebalancing once a quarter to keep my AA as close to desired as possible. How often do you like to rebalance your accounts?
by ugaDAWGS09
Tue Apr 08, 2014 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do you rebalance to maintain your AA
Replies: 35
Views: 2005

Re: How did you determine your "number" for retirement

Thanks, everyone. All kinds of good responses in this thread. My wife and I are a long ways from retirement, but it's interesting to hear from people who are there or who have a real plan in mind to reach their goal soon.
by ugaDAWGS09
Thu Apr 03, 2014 3:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 3706

Re: How did you determine your "number" for retirement

livesoft wrote:I figured out our annual expenses and multiplied by 25. Then I multiplied by 2 just in case of divorce. That's our number.


Seems simple enough. Annual expenses will be way less with no mortgage, however, I feel that our vacation expenses will at least double if not triple.
by ugaDAWGS09
Thu Apr 03, 2014 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 3706

How did you determine your "number" for retirement

My wife and I were joking around last night about retirement and she said what exactly is our number. I told her I wouldn't have a clue how to determine that, but that I did know some place I could ask. :wink:
by ugaDAWGS09
Thu Apr 03, 2014 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: How did you determine your "number" for retirement
Replies: 51
Views: 3706

Re: Best rewards/travel credit card

I'm looking for a new credit card. I've narrowed it down to chase sapphire preferred, capital one venture, or MasterCard Barclay's arrival. I pay it off each month but want to take advantage of the miles/points. In the last few months, my wife and I have gotten all of those cards, as well as the St...
by ugaDAWGS09
Thu Mar 13, 2014 7:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 2300

Re: Best rewards/travel credit card

Thanks everyone for the help
by ugaDAWGS09
Wed Mar 12, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 2300

Re: Best rewards/travel credit card

I didn't want to get too many cards with annual fees tied to them. I always thought canceling a credit card could lower your credit.
by ugaDAWGS09
Wed Mar 12, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 2300

Re: Best rewards/travel credit card

I like Chase Sapphire Preferred. The ability to exchange points into programs like Southwest or Hyatt is awesome. I'm going to Europe this summer and booked $600/night rooms in Paris for $200 of points. How do you know the best way to exchange points in these other programs? Do certain programs wor...
by ugaDAWGS09
Wed Mar 12, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 2300

Re: Best rewards/travel credit card

by ugaDAWGS09 » Wed Mar 12, 2014 3:58 am travellight wrote: I think Chase has the best rewards; it allows 1:1 transfer to southwest, etc. Can you explain this better to me? Are you saying I can transfer all my points to a southwest flight? Would it be better to book using Chase Ultimate Rewards? Ye...
by ugaDAWGS09
Wed Mar 12, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 2300

Re: Best rewards/travel credit card

Starwood AMEX. No blackout periods and very good bang for the buck (USA Today had an article that indicated it was actually the best bang for the buck). For example, will be booking a room that would otherwise go for about $800/night for five nights using 80k points. I have also found very nice hot...
by ugaDAWGS09
Wed Mar 12, 2014 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 2300

Re: Best rewards/travel credit card

Best rewards/travel credit card Define "best". Why have you narrowed it down to the options in your OP? Give us a better understanding of what you're looking for. I think Chase has the best rewards; it allows 1:1 transfer to southwest, etc. One has to consider the transfer partners and th...
by ugaDAWGS09
Wed Mar 12, 2014 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 2300

Re: Best rewards/travel credit card

travellight wrote:I think Chase has the best rewards; it allows 1:1 transfer to southwest, etc.


Can you explain this better to me? Are you saying I can transfer all my points to a southwest flight? Would it be better to book using Chase Ultimate Rewards?
by ugaDAWGS09
Wed Mar 12, 2014 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 2300

Best rewards/travel credit card

I'm looking for a new credit card. I've narrowed it down to chase sapphire preferred, capital one venture, or MasterCard Barclay's arrival. I pay it off each month but want to take advantage of the miles/points.
by ugaDAWGS09
Tue Mar 11, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best rewards/travel credit card
Replies: 26
Views: 2300

Quick Pen Fed CD question [Account balance]

Should I be able to see the amount in my Pen Fed growing over time? I opened the account and funded it about three weeks ago, but haven't seen the amount change in my balance yet. I was just confused as it says the CD earns interest daily.
by ugaDAWGS09
Tue Feb 18, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quick Pen Fed CD question [Account balance]
Replies: 8
Views: 727

Re: Should I sell my taxable to move it into Roth

Thanks for the advice. I'm going to give Vanguard a call and get it switched over.
by ugaDAWGS09
Sat Feb 15, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell my taxable to move it into Roth
Replies: 5
Views: 344

Re: Should I sell my taxable to move it into Roth

I didn't realize that contributing to a 401k lowered modified adjusted gross, so we actually came in a good bit below the phase out limit of combined income.
by ugaDAWGS09
Sat Feb 15, 2014 9:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell my taxable to move it into Roth
Replies: 5
Views: 344

Should I sell my taxable to move it into Roth

My wife and I just found out that we are actually eligible to add to our Roth IRA this year. We both started a taxable account last month of 5k a piece, but wouldn't it be a better idea to go ahead and sell that account and move the money into our Roth IRA? The tax hit would be very small now but wo...
by ugaDAWGS09
Sat Feb 15, 2014 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell my taxable to move it into Roth
Replies: 5
Views: 344

Re: MAGI question

Thanks a lot, I knew if I could subtract my 401k deductions I would be below the phase out range.
by ugaDAWGS09
Wed Jan 08, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: MAGI question
Replies: 7
Views: 804

MAGI question

I'm trying to determine if my wife and I can contribute to our Roth IRA for 2013, but always wait to see what our income total is as mine differs each year. This year our total income before any deductions was 185,700. How do I go about calculating my Modified Adjusted Gross to determine if I fall b...
by ugaDAWGS09
Tue Jan 07, 2014 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: MAGI question
Replies: 7
Views: 804

Re: Best bond fund for taxable account

Laura and Kevin thanks so much for your responses. I like the idea of the CD versus the bond fund. Also I'm going to start paying down my mortgage which is 3.875 so I consider that fixed income also since its a guaranteed return
by ugaDAWGS09
Sun Jan 05, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2480

Re: Best bond fund for taxable account

Can someone help me with the tax question? Is it more difficult to file taxes if I invest a fixed amount each week? Does vanguard provide a final number I can simply plug in to tax software like turbo tax?
by ugaDAWGS09
Sat Jan 04, 2014 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2480

Re: Best bond fund for taxable account

I'm not sure if Wellington is tax efficient in a taxable account. You don't want to pay capital gains taxes. You could probably do this depending on your asset allocation: Vanguard Total Stock Market Index Fund Admiral Shares Vanguard Total International Stock Index Fund Admiral Shares Vanguard Int...
by ugaDAWGS09
Sat Jan 04, 2014 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2480

Re: Best bond fund for taxable account

Thanks bulldog, I would love to just put in all into Wellington and let it ride, but I hate to take that hit on my bonds being in the higher federal tax bracket. I look at my account as a whole, but I try to keep the same allocation in each account (about 70/30). I know Wellington is a little more b...
by ugaDAWGS09
Sat Jan 04, 2014 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2480

Re: Best bond fund for taxable account

So the intermediate term bond is preferred for the long term bond investor?
by ugaDAWGS09
Sat Jan 04, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2480

Re: Best bond fund for taxable account

I'm also considering the I bonds but I honestly don't know anything about them or how they work so I will have to research them. Do you feel they're a better option than the tax exempt bond funds?
by ugaDAWGS09
Fri Jan 03, 2014 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best bond fund for taxable account
Replies: 24
Views: 2480
Next

Return to advanced search