Search found 9344 matches

by DSInvestor
Tue Sep 27, 2016 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Management
Replies: 16
Views: 1458

Re: Help with Vanguard Management

Help me understand. What are the options for placement of dividends, distributions, and proceeds of sales in a Vanguard Mutual Fund Account? I have only ever had brokerage accounts and have never experienced an issue that would stand in the way of what the OP wants to do. In Vanguard mutual fund ac...
by DSInvestor
Tue Sep 27, 2016 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard Management
Replies: 16
Views: 1458

Re: Help with Vanguard Management

No suggestions about who to talk to at Vanguard. What about changing the way you take the RMD? There are no tax consequences to sell funds in IRA so why reinvest the dividends and then sell the fund(s) and withdraw to satisfy RMD? If Vanguard will not let you direct the distributions to your zero ba...
by DSInvestor
Tue Sep 27, 2016 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth 457(b)?
Replies: 9
Views: 475

Re: Traditional or Roth 401(k)?

Do you have any other financial priorities like paying off the mortgage, paying for college, replacing car(s)? Pre-tax contributions would make more cash available for these other things. Please clarify the type of employer plan(s) you have. 401k is typically for private sector companies. Government...
by DSInvestor
Tue Sep 27, 2016 12:29 am
Forum: Personal Consumer Issues
Topic: Shopping for an adventure wagon
Replies: 7
Views: 821

Re: Shopping for an adventure wagon

I think a Subaru outback 2013 or later will give you gas mileage similar to your 06 Accord and be a much more capable car for the stuff that you like to do. I do all the same stuff as you and used to have a 97 Camry with a Yakima rack and cargo box. I bought a 13 Outback and moved the Yakima box on ...
by DSInvestor
Mon Sep 26, 2016 11:31 am
Forum: Personal Consumer Issues
Topic: Crossover SUV Suggestion
Replies: 30
Views: 2160

Re: Crossover SUV Suggestion

2) HID lights (Xenon or LED) - this is a must since my night vision is not good and I benefit greatly. I can do after market, but prefer to get something with built-in unless there is no other way. Ability to see at night is much more complex than just having HID or LED headlamps. There is no way t...
by DSInvestor
Sun Sep 25, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: iPhone for teenager
Replies: 8
Views: 945

Re: iPhone for teenager

I just Googled Cricket. Interesting! So, you use this service and are happy with it? I have T-Mobile and my wife has Cricket. Cricket works great and has a much better network than T-Mobile. There are no overage charges if you exceed your data allotment. The plan price includes all taxes and fees. ...
by DSInvestor
Sun Sep 25, 2016 6:33 pm
Forum: Personal Consumer Issues
Topic: iPhone for teenager
Replies: 8
Views: 945

Re: iPhone for teenager

Instead of AT&T, consider cricket wireless which is owned by AT&T and uses the AT&T network. Cricket plans offer unlimited calling and texting and you pick a plan that offers the amount of data that you want. There are no overages for going over the data allowance - speed slows down. lin...
by DSInvestor
Sun Sep 25, 2016 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Just Refinanced Homestead - Pay Additional Principal or Invest?
Replies: 11
Views: 659

Re: Just Refinanced Homestead - Pay Additional Principal or Invest?

If you're independent contractors getting 1099s and file schedule C with your tax returns, you can use Solo 401k, SEP-IRA or SIMPLE-IRA as your workplace plans. Of those three plans, Solo 401k is the best IMO and gives you the flexibility to make very large contributions. On your income, Solo 401k ...
by DSInvestor
Sun Sep 25, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Just Refinanced Homestead - Pay Additional Principal or Invest?
Replies: 11
Views: 659

Re: Just Refinanced Homestead - Pay Additional Principal or Invest?

If you're independent contractors getting 1099s and file schedule C with your tax returns, you can use Solo 401k, SEP-IRA or SIMPLE-IRA as your "workplace" plans. Of those three plans, Solo 401k is the best IMO and gives you the flexibility to make very large contributions. On your income,...
by DSInvestor
Sun Sep 25, 2016 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Just Refinanced Homestead - Pay Additional Principal or Invest?
Replies: 11
Views: 659

Re: Just Refinanced Homestead - Pay Additional Principal or Invest?

You can do a little of both. I just read one of your older posts and it seems that you're both get 1099s from real estate work. In that old thread, you received suggestions to open up self employed plans like Solo 401k. If you haven't opened such plans for you and your spouse, I'd encourage you to d...
by DSInvestor
Sun Sep 25, 2016 10:12 am
Forum: Personal Consumer Issues
Topic: Crossover SUV Suggestion
Replies: 30
Views: 2160

Re: Crossover SUV Suggestion

What about a Subaru Outback 3.6r or 3.6R touring since you wanted a more powerful engine. I have a 2013 outback 2.5 limited (4cyl) and the headlight are great/bright and I assume the lights in later models will be as good or better. I find the power on the 4cyl to be more than adequate even when I'm...
by DSInvestor
Thu Sep 22, 2016 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Another Roth Conversion Situation
Replies: 12
Views: 692

Re: Another Roth Conversion Situation

If you're semi retired and have employer plans like 401k that will accept inbound rollover from IRAs, you should look into rolling IRA assets in excess of your IRA basis into the employer plan to isolate the IRA basis. Once isolated, you can convert that IRA basis to Roth IRA tax free. IRS treats bo...
by DSInvestor
Wed Sep 21, 2016 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation for a large taxable account at 28% bracket
Replies: 6
Views: 752

Re: Allocation for a large taxable account at 28% bracket

Has already maxed out allowable 401K contributions per year by contributing up to the point of employer matching. Pls clarify what the 401k contribution is. Is this 18K (max for a 30 year old) or a lesser amount to capture the max employer match? If not contributing 18K/yr to 401k, he (OP's boyfrie...
by DSInvestor
Wed Sep 21, 2016 7:55 pm
Forum: Personal Consumer Issues
Topic: macOS Sierra
Replies: 20
Views: 2076

Re: macOS Sierra

I have a Macbook Pro mid-2012 (non-retina) with upgraded RAM (16GB) and SSD (1TB). macOS Sierra runs just fine on it. I don't see any performance degradation. When I upgraded to either Yosemite or El Capitan, the Mac was really busy reindexing or something immediately after upgrade and I couldn't us...
by DSInvestor
Tue Sep 20, 2016 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: IRA contribution limit for self-employed people with multiple businesses
Replies: 7
Views: 401

Re: IRA contribution limit for self-employed people with multiple businesses

Right, I would do the backdoor. Any thoughts on the tradeoff of paying self-employment tax now (foregoing the expense deductions) in order to stuff more into a Roth for a long time horizon? Thanks for your thoughts! Do you have at least 40 quarters of credit on social security? I believe you need a...
by DSInvestor
Tue Sep 20, 2016 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: IRA contribution limit for self-employed people with multiple businesses
Replies: 7
Views: 401

Re: IRA contribution limit for self-employed people with multiple businesses

Interesting, thanks. So I have a decision to make then....should I intentionally realize a profit in order to make a Roth IRA contribution, or should I deduct the offsetting expenses and forego the Roth? From your other posts, I get the impression that you're high net worth with significant assets ...
by DSInvestor
Tue Sep 20, 2016 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: IRA contribution limit for self-employed people with multiple businesses
Replies: 7
Views: 401

Re: IRA contribution limit for self-employed people with multiple businesses

I believe you'd need to have positive net compensation on your 1040 (W2 income on 1040 line 7, Schedule C income on 1040 line 12). According to IRS Pub 590A which covers Traditional and Roth IRA, if you have a mix of W-2 salary/wage and self employed income, you do not subtract self employed loss fr...
by DSInvestor
Tue Sep 20, 2016 5:39 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 226
Views: 21750

Re: The Bogleheads' "100 Things Worth Every Penny" List

National Park Pass. Great deal at $80 for America the Beautiful annual pass. Best deal in America at $10 lifetime for Senior Pass (US residents age 62+).
by DSInvestor
Tue Sep 20, 2016 5:00 pm
Forum: Personal Consumer Issues
Topic: New e-readers?
Replies: 22
Views: 1441

Re: New e-readers?

If you're a member of AARP, there is a 10% discount on Kindle readers.
AARP:
http://advantages.aarp.org/en/offer.amazon.10004.html

Amazon:
https://www.amazon.com/gp/feature.html? ... 1000833361
by DSInvestor
Tue Sep 20, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Ideas for adult brothers vacation
Replies: 24
Views: 1720

Re: Ideas for adult brothers vacation

I'd probably want to float the grand canyon on one of those big huge rafts. But that is definitely more of a camp and adventure type. If you want a hotel bed, I'd probably rent a car, fly into Vegas, go to Zion national park for 2 days, drive the Southern route to Moab so you can see Monument Valle...
by DSInvestor
Tue Sep 20, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on mortgage principal prepayment
Replies: 16
Views: 1989

Re: Need advice on mortgage principal prepayment

If you're saving 50% of your income, maxing out both 401ks, both Roth IRAs (using backdoor if necessary), and also investing in taxable accounts, it would make sense to divert some money to extra principal payments. You'd reduce the amount you're contributing to taxable accounts but you'll reduce th...
by DSInvestor
Mon Sep 19, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: Ideas for adult brothers vacation
Replies: 24
Views: 1720

Re: Ideas for adult brothers vacation

Southern Utah would be awesome in the spring. 5 National Parks, national monuments, BLM areas, state parks, Monument Valley. Moab, UT is lots of fun and great for hiking, mountain biking, climbing, off roading in UTVs. Arches National Park, Canyonlands NP, Dead Horse Point State Park are very close ...
by DSInvestor
Mon Sep 19, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: In-Plan Roth Rollover tax question
Replies: 2
Views: 240

Re: In-Plan Roth Rollover tax question

Yes, there could be underpayment penalty if your tax withholdings plus estimated payments do not reach certain safe harbor levels (100% of last year's tax 2015 1040 line 63 or 90% of current year's tax). 110% of last years tax if your AGI > 150K. I have never done an in-Plan Roth rollover but have d...
by DSInvestor
Mon Sep 19, 2016 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: VDIGX surrogate [Vanguard Dividend Growth Fund]
Replies: 13
Views: 601

Re: VDIGX surrogate

For a taxable account, you'd want a tax efficient fund like Vanguard Total Stock Market Index VTSMX Investor shares or VTSAX Admiral shares.
by DSInvestor
Sat Sep 17, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 2404

Re: 2016 Honda Odyssey - which model?

EXL with rear entertainment has been a lifesaver for our family. I disagree that iPads are a better option. iPads die, they require syncing to load movies....they're not as convenient as having a sleeve of DVDs at your disposal and the wireless headphones to boot. We have iPads and kindles...the DV...
by DSInvestor
Sat Sep 17, 2016 9:30 pm
Forum: Personal Consumer Issues
Topic: Singapore Sling (Raffles Hotel) or Suntory Whisky (Park Hyatt Tokyo)?
Replies: 13
Views: 1009

Re: Singapore Sling (Raffles Hotel) or Suntory Whisky (Park Hyatt Tokyo)?

If in Singapore, a better option would be to look for some Hainanese Chicken Rice, Char Kway Teow and chili crab at a hawker center. The local food in Singapore is amazing and affordable.
by DSInvestor
Sat Sep 17, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Odyssey - which model?
Replies: 37
Views: 2404

Re: 2016 Honda Odyssey - which model?

Instead of $2500 for the built-in NAV, go with a Garmin or your smartphones. We take lots of road trips in the US and Canada and find that the Garmin works really well without any concern about cell phone data roaming. Our Garmin cost about $125 and has lifetime map updates and traffic. We use our s...
by DSInvestor
Sat Sep 17, 2016 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: Monthly or yearly investment?
Replies: 6
Views: 576

Re: Monthly or yearly investment?

I invested monthly.
by DSInvestor
Sat Sep 17, 2016 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Withholding (avoiding penalties)
Replies: 3
Views: 228

Re: Withholding (avoiding penalties)

That is correct. See IRS page on Underpayment Penalty - General rule:
https://www.irs.gov/publications/p505/c ... 1000194815

If your 2015 AGI was greater than 150K, you'd need to withhold 110% of your 2015 Fed Tax in 2016.
by DSInvestor
Sat Sep 17, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: federal income tax witholding
Replies: 2
Views: 363

Re: federal income tax witholding

Am I correct to assume that I will not be subject to an underpayment penalty if the total of all of my 2016 federal withholding plus the sum of my 2016 quarterly estimated tax payments is at least 110% of the sum of last year's quarterly estimated payments plus federal income tax withheld noted on ...
by DSInvestor
Fri Sep 16, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Common for employer's matching contributions to go to separate account?
Replies: 7
Views: 546

Re: Common for employer's matching contributions to go to separate account?

I suppose a separate account makes it easier to claw back the match if there is a vesting schedule. Once you are fully vested, the money is yours even if it is in a separate account. Assuming there are no restrictions on how the match is invested I don't understand how a separate account would affec...
by DSInvestor
Thu Sep 15, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: Keeping Verizon Unlimited data Plan
Replies: 10
Views: 800

Re: Keeping Verizon Unlimited data Plan

I'm not a verizon customer but can't you keep your current plan even after your current contract expires? If you need to finance a phone, I think Verizon will do a device payment plan and allow you to keep your current data plan.
http://www.droid-life.com/2016/07/07/ve ... a-upgrade/
by DSInvestor
Wed Sep 14, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: 16 GB or 64 GB? [for iPhone SE]
Replies: 25
Views: 1675

Re: 16 GB or 64 GB? [for iPhone SE]

I was thinking of waiting to see if price goes down to match Apple. I like the SE because it is small. I am used to putting my small flip phone in my pocket when I walk at the mall. SE fits better than the bigger phones. If you're going to pay the full price for the phone, why not just buy it at Ap...
by DSInvestor
Wed Sep 14, 2016 12:09 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3026

Re: iOS 10 available today

JeffAL wrote:I installed iOS 10 on my 5s yesterday and the 5s is still a perfectly good phone.

Thanks for posting this. I also have a 5S and it's runs great on IOS 9.3.5. Any degradation in performance at all after the upgrade?
by DSInvestor
Wed Sep 14, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Any Car expert out there : Check Engine Light on
Replies: 27
Views: 1792

Re: Any Car expert out there : Check Engine Light on

I have an ODBII scanner but if you don't you can take the car to an AutoZone store and borrow theirs.
by DSInvestor
Wed Sep 14, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: 16 GB or 64 GB? [for iPhone SE]
Replies: 25
Views: 1675

Re: 16 GB or 64 GB?

I suggest 64GB iPhone SE. That's the one I bought for my wife. If you use the phone to take pictures you will appreciate the extra storage. It's great for podcasts, music. I have an iPhone 5S with 32GB and am running out of space. You don't have to buy the phone from Verizon. If Apple has a lower pr...
by DSInvestor
Wed Sep 14, 2016 1:09 am
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3026

Re: iOS 10 available today

abuss368 wrote:What is RAW?


Here is a wikipedia page on RAW image format:
https://en.wikipedia.org/wiki/Raw_image_format
by DSInvestor
Tue Sep 13, 2016 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Spousal IRA -- Traditional vs Roth
Replies: 27
Views: 1692

Re: Spousal IRA -- Traditional vs Roth

My wife is a SAHM and we're in the 28% tax bracket (after 403b contribution) . Christopher, does this mean that you would be in the 33% tax bracket if you did not contribute to Traditional 403b or contributed Roth 403b instead. If this is the case, you're at the top of the 28% tax bracket. For 2016...
by DSInvestor
Tue Sep 13, 2016 7:13 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3026

Re: iOS 10 available today

Here's a link to Apple's page on IOS 10. Scroll down to the bottom of the page to see supported devices.
https://www.apple.com/ios/ios-10/
by DSInvestor
Tue Sep 13, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3026

Re: iOS 10 available today

iOS 9 is the end of the road for my iPad 2. How's it doing? I stopped upgrading mine at 7 and it's quite slow now. I want to try iOS 10, but not getting the update yet. Anyone know any tricks to getting it sooner? (hopefully simple ones not involving a lot of downloading) Inbox788, iPad 2 is not a ...
by DSInvestor
Tue Sep 13, 2016 7:03 pm
Forum: Personal Consumer Issues
Topic: iOS 10 available today
Replies: 44
Views: 3026

Re: iOS 10 available today

iOS 9 is the end of the road for my iPad 2. IOS 8 just killed the performance on my wife's iPad 2. So much so that I had to get her an iPad Air 2. My iPod Touch (5th gen) doesn't seem to be supported. My iPhone 5S and iPad mini 3 are supported but I'm going to wait to upgrade. They're working reall...
by DSInvestor
Tue Sep 13, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 3604

Re: Best Flashlight to keep in home for emergency

mouses wrote:
wolf359 wrote:Flashlights need to be aimed. Lanterns like this will light up a whole area.


My monster Maglites function as lanterns when they are stood...stand...on their bases.


The monster Maglites can also be used for self defense.
by DSInvestor
Tue Sep 13, 2016 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Questions -Helping a Friend
Replies: 13
Views: 933

Re: Questions -Helping a Friend

The expense ratio of the Vanguard Lifestrategy and Target Retirement funds are expense ratios of the sub-funds and there is no extra charge. The sub funds are the investor share classes of Total Stock Market index VTSMX, Total International Stock Market Index VGTSX, Total International Bond etc. The...
by DSInvestor
Mon Sep 12, 2016 1:45 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 2821

Re: 2016 Murano or 2016 Acura MDX

Have you considered a 2016 Subaru Outback? At that $33K price point you can get a loaded one with EYESIGHT collision mitigation system and the car holds value really well. I have a 2013 Outback Limited (4 cyl) and it's great for road trips with lots of storage space and ample power even when loaded ...
by DSInvestor
Mon Sep 12, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 6466

Re: Is anyone else feeling courageous enough to buy today?

shakenbake wrote:
Will do good wrote:Bought VFINX on Friday.

Good deal! Did you just figure it would bounce back? Or you liked the price either way?


Instead of worrying about this noise, I suggest creating a plan to automatically invest on a schedule say monthly until you get to target asset allocation. Take emotions out of it.
by DSInvestor
Mon Sep 12, 2016 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Self Employed--Use of Tax efficient fund space
Replies: 1
Views: 147

Re: Self Employed--Use of Tax efficient fund space

If you do not have any employees, you should consider opening a Solo 401k. Solo 401k is not an option once you have employees. 1099 contractors are fine as they are not employees. If your corporation pays you a W-2 salary, then Solo 401k would allow for larger contributions than SEP-IRA if your sala...
by DSInvestor
Mon Sep 12, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 6466

Re: Is anyone else feeling courageous enough to buy today?

shakenbake wrote:My wish list is Vanguard S&P 500 fund, Vanguard Total Stock Index, Vanguard Mid Cap Index, Vanguard Midcap Growth, Vanguard Small Cap Growth.


You can simplify that wish list down to one fund- Total Stock Market Index.
by DSInvestor
Mon Sep 12, 2016 12:43 pm
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 3604

Re: Best Flashlight to keep in home for emergency

We use ENELOOP batteries first but keep alkalines as spares. We have costco size packages of AA and AAA batteries in the house just in case. We spend lots of time hiking, backpacking and camping so we charge our ENELOOPs often. In the winter time, we use our headlamps daily to walk the dog after dar...
by DSInvestor
Mon Sep 12, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing after Admiral Fund withdrawal
Replies: 3
Views: 258

Re: Rebalancing after Admiral Fund withdrawal

You can use an automatic transaction to exchange from total bond to total stock admiral. This sidesteps the frequent trading restriction on online and phone orders. To enter an automatic transaction, logon to vanguard and click on My Accounts, Account Maintenance, Automatic exchange. Simply enter a ...
by DSInvestor
Mon Sep 12, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 3604

Re: Best Flashlight to keep in home for emergency

Not a flashlight, but I bought one of these and was impressed. Ended up buying another! Bright, works great, holds a long charge and deflates making it a small package. https://www.rei.com/product/100705/mpowerd-luci-original-inflatable-solar-lantern I'd second this recommendation for the MPOWERD L...

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