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Re: Tax Underpayment Question and Unemployment

JB9, My $0.02; We under with held this year due to messing with our with holdings, then making more $ than anticipated, so we ended up filing a 2210. Our income was significantly different from last year, but since we withheld more than the amount last year we don't owe a penalty, but had to file 22...
by wldlndfirefghtr
Wed Mar 19, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Underpayment Question and Unemployment
Replies: 2
Views: 385

Re: Dividend total doesn't match Form 1099-Div

Did you have foreign taxes paid/withheld from the dividend? I noticed the same thing, and in my TISM Adm the difference did match with foreign tax paid. But not with other funds; In PRIMECAP Fund; total ordinary dividends did not match up but total capital gain distribution did and no foreign tax p...
by wldlndfirefghtr
Fri Jan 24, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend total doesn't match Form 1099-Div
Replies: 13
Views: 672

Re: Tax Gain Harvesting For Kids

All, Great information as I was looking into doing some TGH for my daughter's UTMA. I understand the 1st $1,000 is tax free offset by the dependent deduction and the next $1,000 is at the 10% child's tax rate, then over that at our marginal rate. Not looking to hijack the thread, but maybe see if I ...
by wldlndfirefghtr
Wed Oct 30, 2013 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting For Kids
Replies: 24
Views: 1060

Re: Cash offer on raw land - Title Insurance & Escrow

Why Not Us,

Thank you for confirming my basic understanding on title and escrow. Use should be no problem as it is remote Alaska, but I'll be digging for sure.

Appreciate the feed back!

Jason
by wldlndfirefghtr
Tue Jun 18, 2013 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash offer on raw land - Title Insurance & Escrow
Replies: 2
Views: 431

Cash offer on raw land - Title Insurance & Escrow

Hello All, Looking at buying some land (not for investment but for recreation use), and had a genaral question about making an offer and going through a title company and escrow. The land is currently held by a trust. Is it the same as when you buy a house? I the seller put an offer in contingent of...
by wldlndfirefghtr
Mon Jun 17, 2013 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash offer on raw land - Title Insurance & Escrow
Replies: 2
Views: 431

Re: Identical Funds in Taxable and Tax Deferred question

:oops: Wow, either tired or bored...lol

Suppose there is no real up or downside to splitting them, suppose that's why I have it the way I do...

Feeling pretty sheepish now, but thanks for helping me clear that up in my mind.

Thanks
by wldlndfirefghtr
Thu Mar 21, 2013 1:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Identical Funds in Taxable and Tax Deferred question
Replies: 13
Views: 510

Re: Identical Funds in Taxable and Tax Deferred question

Brandon & Dave, Suppose I miss stated on the ER. I know it's built into the fund, but if I were to combine funds, wouldn't that lower my overall combined ER, ie on Brandon's example; Taxable TSM 5000 (.06 ER) TISM 5000 (.18 ER) ROTH TSM 5000 (.06 ER) TISM 5000 (.18 ER) VS. Taxable TISM 10,000 (....
by wldlndfirefghtr
Thu Mar 21, 2013 12:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Identical Funds in Taxable and Tax Deferred question
Replies: 13
Views: 510

Re: Identical Funds in Taxable and Tax Deferred question

Brandon, Thanks for the reply, Concerning the tax liability, being in the 15% tax bracket, I should have 0% LTCG. But doesn't the gain still add to your AGI, therefore adding to your tax liability? I am looking at my whole portfolio when considering this move, currently my whole portfolio percentage...
by wldlndfirefghtr
Thu Mar 21, 2013 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Identical Funds in Taxable and Tax Deferred question
Replies: 13
Views: 510

Identical Funds in Taxable and Tax Deferred question

Sorry if this has been discussed in depth before, couldn't find much on the search funtion. I currently hold Total Stock Market and Total International in both Taxable and in my Roth IRA. I'm within my rebalancing bands, but started thinking if it was beneficial for me to just hold TISM in Taxable a...
by wldlndfirefghtr
Wed Mar 20, 2013 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Identical Funds in Taxable and Tax Deferred question
Replies: 13
Views: 510

Re: Non-owner occupied refinance

EmergencyDoc, I just got done doing a HARP 2 refinance with Wells Fargo. I probably should have shopped around more, but oh well now. Not really a big fan of WF but it's who I had the loan through before. Not the greatest by any means, but met what I wanted. Went from 5.625% to 4.125% ,30 year. They...
by wldlndfirefghtr
Mon Mar 11, 2013 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Non-owner occupied refinance
Replies: 14
Views: 1196

TSP looks to allow in-plan conversion

Thought this was news worthy if folks haven't seen/heard about it yet; https://www.tsp.gov/whatsnew/plan/planNews.shtml#inplan "TSP examines in-plan conversion option — The President approved the American Taxpayer Relief Act of 2012, on January 2, 2013. This law allows the TSP and other qualifi...
by wldlndfirefghtr
Sun Feb 10, 2013 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: TSP looks to allow in-plan conversion
Replies: 19
Views: 1561

401K Loan part of your bond asset percentage??

Hello,

Quick question, for those who have or had taken a 401K Loan, would one consider this part of their bond asset percentage since you are paying yourself back at a fixed interest rate? Or just consider it a loan that it is and maintain the desired AA.

Thanks!
by wldlndfirefghtr
Mon Jan 07, 2013 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K Loan part of your bond asset percentage??
Replies: 1
Views: 125

Re: Moving wife's funds, thought or suggustions....

BBL & Kenyan, Thank You for your response. Sorry for the format being so difficult to read. Understand looking at our whole portfoilo as one, just was trying to concentrate on getting her's squared away and reset. I suppose it does make the most sense to not add complications to the portfolio an...
by wldlndfirefghtr
Thu Dec 20, 2012 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving wife's funds, thought or suggustions....
Replies: 4
Views: 469

Moving wife's funds, thought or suggustions....

Hello, Seems I finally convinced my wife that by restructing her funds into Vanguard, we have the potential to be more effecient with her funds. Currently she holds all in USAA. I like USAA, just not their investment funds. Her current breakdown; Taxable; -USHYX USAA High Income (0.95) ~$730 -USAUX ...
by wldlndfirefghtr
Wed Dec 19, 2012 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving wife's funds, thought or suggustions....
Replies: 4
Views: 469

Understanding RMD's

Hello All, Always trying to educate my financial knowledge. Lately been looking forward to where I would like to be in retirement and been trying to educate myself on RMD's. I work for the federal governement and I have the TSP 401K and a ROTH IRA at Vanguard. Currently 35, manditory retirement at a...
by wldlndfirefghtr
Sat Nov 24, 2012 2:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Understanding RMD's
Replies: 9
Views: 728

Anyone recently refinance a rental property?

Hello, I currently am looking to refinance my 5.625% Rental Property mortgage. Anyone have any succuss refinancing a rental property for a lower rate. Going on 9 years with the current mortgage at Wells Fargo. $103,000 on the loan, guestimate of $180,000 value (low estimate). Looking to increase my ...
by wldlndfirefghtr
Mon Nov 05, 2012 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone recently refinance a rental property?
Replies: 7
Views: 812

Re: ROTH TSP thread..who is it right for...me??

All good points to ponder!!

DSI - You are correct, I looked at my taxes again, and do fall in the 15%. Just need to make sure I do the same next year ;-)
by wldlndfirefghtr
Tue Mar 27, 2012 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH TSP thread..who is it right for...me??
Replies: 7
Views: 548

ROTH TSP thread..who is it right for...me??

Hello All, With the ROTH TSP comming out soon, I've kept the option on the back burner, trying to decide if it is right for me. Just getting done with taxes, my wife (age 31) and I (age 34) are pretty squarely placed in the 25% tax bracket (AGI of 86k this year). Trying to look ahead to the future, ...
by wldlndfirefghtr
Tue Mar 27, 2012 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH TSP thread..who is it right for...me??
Replies: 7
Views: 548

Re: 34 years old; TIPS & TSP G Fund

Excellent,

I was unaware of a wiki on the G fund, thanks for pointing me in the correct direction!
by wldlndfirefghtr
Mon Mar 12, 2012 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 34 years old; TIPS & TSP G Fund
Replies: 4
Views: 395

34 years old; TIPS & TSP G Fund

Good Morning All, Quick question; I am potentially thinking about working TIPS into my assest allocation, but was wondering with having the TSP G fund, should this fund offset the need to add TIPS? Should I even worry about TIPS until I get closer to retirement? Thanks! G Fund: "Fund Objective ...
by wldlndfirefghtr
Mon Mar 12, 2012 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 34 years old; TIPS & TSP G Fund
Replies: 4
Views: 395

Re: Taxable account; Total International or Total Stock

Steve,

I'm currently in the 25% MFJ tax bracket. Are you saying at some point in higher tax brackets, you may not qualify for the FTC? And depending on 2013, the qualified dividends may not exsist. I'm trying to consolidate accounts instead of having same accounts in both ROTH and Taxable.

Thanks
by wldlndfirefghtr
Sat Feb 25, 2012 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable account; Total International or Total Stock
Replies: 10
Views: 1025

Re: Taxable account; Total International or Total Stock

Steve, Thanks for the quick response. Having VTIAX in taxable does take advantage of the foreign tax credit, but doesn't VTSMX have a 100% qualified dividends, where VTIAX may have less qualified dividends? I'm not a 100% on this, and not sure if it should really make a difference? Thoughts? Thanks
by wldlndfirefghtr
Sat Feb 25, 2012 9:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable account; Total International or Total Stock
Replies: 10
Views: 1025

Taxable account; Total International or Total Stock

Giving the choice, would you hold total stock market index admiral or total international stock market index admiral in your taxable account. Why?

Appreciate the feedback!
by wldlndfirefghtr
Sat Feb 25, 2012 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxable account; Total International or Total Stock
Replies: 10
Views: 1025

Re: Trying to be more tax efficient

Kevin, The capital gains is what makes me a but hesitant, it would be a bit over $5,000. My feeling is since the small cap is an index fund, it should be fairly tax efficient. I can't remember if it was in Bogleheads guide to investing, or retirement, but it mentioned that a small cap index was too ...
by wldlndfirefghtr
Fri Feb 03, 2012 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to be more tax efficient
Replies: 9
Views: 646

Trying to be more tax efficient

As I am working on my IPS, and about to rebalance to meet my AA, I am thinking about rearranging some of my funds. I hold TSM at about $42,000 in my ROTH, $5,500 Total stock market in ROTH, and $13,000 small cap index admiral in taxable. I'm considering moving my TSM into taxable, total internationa...
by wldlndfirefghtr
Fri Feb 03, 2012 3:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Trying to be more tax efficient
Replies: 9
Views: 646

International funds, vgtsx, dodfx, vfwix and tax effeciency

Hello, I need some imput, I currently own two international funds, Dodfx in a taxable account, and vgtsx in my Roth IRA. If I have read correctly, it is more tax efficient to hold international funds in taxable accounts. I'm thinking about moving my vgtsx out of the Roth and selling my Dodfx and ree...
by wldlndfirefghtr
Mon Jan 30, 2012 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: International funds, vgtsx, dodfx, vfwix and tax effeciency
Replies: 1
Views: 371

Tom Thanks for the kick in the butt and reasoning. My wife pretty much said the same thing last night when I was talking with her. Sell now while we are in a lower marginal tax, re-open in ROTH (it will have time to grow), paydown heloc, etc, etc... time is on my side... Doing a quick look over our ...
by wldlndfirefghtr
Sat Mar 05, 2011 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing from Taxable to tax advantage...
Replies: 10
Views: 1292

Correct I have $13,539 in REIT's (Approx 7.17% of all investments, taxable and tax free/deferred) No state tax. Instead of reinvesting the dividends, should I just divert those into another fund? I could use cash to fund my 2011 ROTH, but just getting rid of American Century Ultra, that I got as a U...
by wldlndfirefghtr
Fri Mar 04, 2011 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing from Taxable to tax advantage...
Replies: 10
Views: 1292

Right now I just reinvest all dividends, and I'll have to look at last years taxes to see what my marginal tax rate is (off hand it's low, I'm pretty sure), don't remember off hand. That will change for 2010 taxes as I got married, but think over time I will start moving my REIT in to my Roth.
by wldlndfirefghtr
Fri Mar 04, 2011 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing from Taxable to tax advantage...
Replies: 10
Views: 1292

Not really sure why....

Not really sure why, Maybe cause they are up and I just converted it to Admiral. I have about $3,400 in unrealized capital gains, I have an American Century fund that has been way under performing, that I am in the process of selling, and that will either fund my 2011 ROTH contribution, with the rem...
by wldlndfirefghtr
Fri Mar 04, 2011 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing from Taxable to tax advantage...
Replies: 10
Views: 1292

Rebalancing from Taxable to tax advantage...

Hello all,

I currently hold REIT's (adm) in a taxable account, and I know that I am better off having it in my ROTH IRA.

With only being able to contribute 5k in to my ROTH, I feel hesitant to sell and transfer my REIT account.

How would you handle this...

Appreciate the feedback.

Jason
by wldlndfirefghtr
Thu Mar 03, 2011 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing from Taxable to tax advantage...
Replies: 10
Views: 1292

How does one get up to 49K into a 401k (granted besides the obvious high salary income)

Got the 16,500 pretax.

Thanks
by wldlndfirefghtr
Wed Mar 02, 2011 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k % contributions........
Replies: 21
Views: 2537

Maybe a dumb question...

...but does your employer match count towards the $16,500?

I.E. I contribute 16,500, and still have my employer match the 6%. (I'm thinking yes).

I'm trying to find a way to get even closer to the match, with out living too frugal.

Thanks,

Jason
by wldlndfirefghtr
Wed Mar 02, 2011 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k % contributions........
Replies: 21
Views: 2537

Gain better interest on money

Hello, Seeking feed back on moving a chunk of money out of an interest bearing checking account and into a short term bond fund. Wife and I have some money sitting in a wells fargo checking account getting dismal interest. It is a joint account for our monthly mortgage account, which has about 6.5 m...
by wldlndfirefghtr
Tue Mar 01, 2011 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Gain better interest on money
Replies: 13
Views: 2461

Wonder if I could split the difference, ie have 2 TSP accounts; Tax Deferred and Tax Free. Jason Yes, you may invest up to $16,500 in any combination of regular and Roth TSP contributions. For those 50 and over the same applies as you may invest in any combination of regular and Roth TSP contributi...
by wldlndfirefghtr
Fri Jan 21, 2011 5:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth TSP
Replies: 28
Views: 4744

I also read somewhere, where it said converting your Regular TSP to the ROTH TSP was not possible. I'm kinda on the fence with it, I like having the option to lower my taxable income.

Wonder if I could split the difference, ie have 2 TSP accounts; Tax Deferred and Tax Free.

Jason
by wldlndfirefghtr
Tue Jan 18, 2011 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth TSP
Replies: 28
Views: 4744

Figured as much, just wanted confirmation I suppose. Just looking to maybe do some re balancing.

So I assume when I do this in my ROTH, there will be no taxes since it's tax free.

Thanks,

Jason
by wldlndfirefghtr
Thu Jan 13, 2011 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchange Shares or $ in Taxable account
Replies: 4
Views: 530

Exchange Shares or $ in Taxable account

I have always been a buy and hold investor; change my AA, I just buy more shares of a certain fund My question is, if I exchange money or shares from one taxable account to another, will I incur capital gains tax ( I think yes since I am essentially selling shares). Example: I exchange $1000 of my R...
by wldlndfirefghtr
Thu Jan 13, 2011 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Exchange Shares or $ in Taxable account
Replies: 4
Views: 530

Everyone, Thanks for the great discussion. I understand the benefits to investing in a 529, I understand if I was in a state with state income tax, I would get a tax break in that state. It basically boils down to finding a good performer, low er, no fees, and whether to put it in my name or hers. A...
by wldlndfirefghtr
Mon Jan 10, 2011 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: A quick 529 run down
Replies: 40
Views: 3911

Thank you for your response, I meant to add I am reading through the wiki of 529's, and the money that would be contributed to the 529 would be her money that she receives from birthday money and her Permanent Fund. My wife and I do max out our ROTH IRA. I try to put a good portion of money away in ...
by wldlndfirefghtr
Mon Jan 10, 2011 12:20 am
 
Forum: Investing - Help with Personal Investments
Topic: A quick 529 run down
Replies: 40
Views: 3911

A quick 529 run down

Hello,

I'm trying to educate myself on 529 for my daughter. I am not too familiar with them. We currently live in Alaska, and don't have a real good understanding on how to pick and enroll into one.

Appreciate the info in advance!

Thanks!

Jason
by wldlndfirefghtr
Sun Jan 09, 2011 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: A quick 529 run down
Replies: 40
Views: 3911

Angelflightwest

Cestan,

Check out http://www.angelflightwest.org/ and give them a call. They may be able to help you out.

Best of Luck!!

Jason
by wldlndfirefghtr
Sun Dec 19, 2010 1:12 pm
 
Forum: Personal Consumer Issues
Topic: jet charter
Replies: 8
Views: 1265

Employee Simple IRA

Hello All, Need some info and help. My girlfriend has access to an employee simple IRA plan, with 3% of gross matching. I am unfamiliar with this type of IRA. She already has a ROTH IRA, and wonder what conflicts these may have. Can she contribute the maximum yearly amount to both, ie 5000 + 5000? T...
by wldlndfirefghtr
Thu Nov 19, 2009 6:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Employee Simple IRA
Replies: 2
Views: 572

What about exchanging shares of 1 fund for another....

If I exchange shares of my TSM in my ROTH, for REIT funds and set it up as a ROTH as well, is the consider selling shares of my TSM? Same with if I were to exchange shares of my taxable REIT in to my money market, is that considered selling those shares?

Thanks,
by wldlndfirefghtr
Wed Jul 29, 2009 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about adding a Bond Fund (or two).....
Replies: 11
Views: 1592

retiredjg,

Sent you a PM, answered 2 of my questions; expense ratio & FTSE benchmark.
by wldlndfirefghtr
Tue Jul 28, 2009 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about adding a Bond Fund (or two).....
Replies: 11
Views: 1592

Sidney, My Total Stock Market Fund is in a ROTH IRA, and my REIT is in a taxable fund. Retiredjg, Been a pretty busy season up here in Alaska, but quiet so far down in the L48. Been doing the fire thing since I got out of high school, never really put to much thought in to how I allocated my money. ...
by wldlndfirefghtr
Tue Jul 28, 2009 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about adding a Bond Fund (or two).....
Replies: 11
Views: 1592

Vanguard IT?

BMB, Thanks for the reply, when you refer to the Vanguard IT, is this the Intermediate-Term Bond Index (VBIIX). I have been contemplating assest allocation using 110 minus my age to start allocating equities and bonds ( ie 110-32 = 78, so holding 78% in equities and 22% in bonds), still a little on ...
by wldlndfirefghtr
Tue Jul 28, 2009 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about adding a Bond Fund (or two).....
Replies: 11
Views: 1592

Thinking about adding a Bond Fund (or two).....

Hello All, I've been off and on this forum for about 2 years now, mostly reading and taking in people’s perspectives. I’m interested in looking in to adding a Bond fund or two (One in addition as a ROTH and one as a general mutual fund). I’m pretty tolerant to risk, as most everyone was selling off ...
by wldlndfirefghtr
Tue Jul 28, 2009 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thinking about adding a Bond Fund (or two).....
Replies: 11
Views: 1592

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