Search found 10429 matches

by DSInvestor
Tue Jun 27, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs. Roth IRA?
Replies: 6
Views: 276

Re: Traditional vs. Roth IRA?

DS - Just saw your last question. I am not fully maxed out with my own 401(k) yet - I contribute 15% to get the full company match and then we put an extra $725 a month into his Roth IRA; once that's maxed out for the year we shift to my Roth IRA. I feel like we can't max out everything right now b...
by DSInvestor
Tue Jun 27, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs. Roth IRA?
Replies: 6
Views: 276

Re: Traditional vs. Roth IRA?

The rules for Traditional IRA deduction are tricky. Here's a link to IRS page on IRA deduction limits: https://www.irs.gov/retirement-plans/ira-deduction-limits Follow the links on that page to see if you or he are eligible for the Traditional IRA deduction. If neither of you are covered by an emplo...
by DSInvestor
Mon Jun 26, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Retired Traditional IRA advice
Replies: 14
Views: 813

Re: Retired Traditional IRA advice

Do you still have a TSP account open? If yes, you can get lower expenses by transferring the Traditional IRA into your TSP. If you seek 40/60 stock/bond allocation, you can consider Vanguard LifeStrategy Conservative Growth VSCGX er=0.13%. This would be the simplest solution if you're not willing to...
by DSInvestor
Sun Jun 25, 2017 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: I need a strategy to address debt and savings
Replies: 34
Views: 2703

Re: I need a strategy to address debt and savings

lateregistration wrote:In February 2018, I would expect about a $1500 refund

If this is a tax refund, consider reducing the amount of taxes withheld from your paychecks. This would reduce the size of the tax refund but increase your monthly take home pay and give you more cash flow to attack your debt.
by DSInvestor
Sun Jun 25, 2017 7:18 pm
Forum: Investing - Theory, News & General
Topic: BIV Question
Replies: 7
Views: 553

Re: BIV Question

Here's a link to Vanguard's page on bond fund duration: https://investor.vanguard.com/insights/bond-fund-basics-duration Duration is useful in measuring a bond fund's sensitivity to changes in interest rates. The longer the duration, the more a bond fund's price will fluctuate when interest rates ch...
by DSInvestor
Sun Jun 25, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of a low income year
Replies: 2
Views: 377

Re: Taking advantage of a low income year

Roth conversion is still an option assuming you have some assets in a rollover IRA or an old 401k. With 10K AGI, MFJ filing status and 2 dependents, you'd have plenty of room for tax free Roth conversion. If you or your spouse have assets in Traditional IRA, rollover IRA or an old 401k, consider par...
by DSInvestor
Sun Jun 25, 2017 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: International Index Fund Choice
Replies: 7
Views: 597

Re: International Index Fund Choice

IMO, Total International Stock VTIAX and FTSE All World ex-US VFWAX are both fine to hold as your core international stock fund. In fact, I use them as tax loss harvest pairs in my taxable account. As you noted, VTIAX has significantly more stocks and as such, it would not be substantially identical...
by DSInvestor
Sun Jun 25, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Is this the best, most tax-efficient allocation strategy?
Replies: 4
Views: 470

Re: Is this the best, most tax-efficient allocation strategy?

Your fund placement is tax efficient. To simplify further, I would suggest skipping the 2.57% Total International Bond in the Roth IRA. Increase your allocation to Total Bond Market in 401k by 2.57% that would have gone to Total international bond. You can rebalance the portfolio by taking action on...
by DSInvestor
Wed Jun 21, 2017 1:43 am
Forum: Investing - Help with Personal Investments
Topic: New Employer - New 401(k) Options
Replies: 12
Views: 655

Re: New Employer - New 401(k) Options

rdlaner wrote:1. Can I imitate the Total Stock Market Index with the 500 Index + some of the other options?


You can approximate Total stock market by using 80/20 mix of 500 Index/Extended Market. So if TSM is 60% of portfolio, you'd have 500 Index be 48% and Extended Market be 12% of the portfolio.
by DSInvestor
Sun Jun 18, 2017 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Withdrawing from taxable for emergency fund
Replies: 2
Views: 333

Re: Withdrawing from taxable for emergency fund

Check your brokerage account to see how much in realized capital gains or losses you have. Also check how much is long term vs short term. This will help you assess your tax liability on the sale of the stocks.
by DSInvestor
Fri Jun 16, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: URGENT TIME SENSITIVE: Deathbed Roth
Replies: 45
Views: 4168

Re: URGENT TIME SENSITIVE: Deathbed Roth

Thank you for the condolences and advice. Here is what I think i understand: IRA: $150,000 (all taxable) TaxCaster w/ SS of $22k, medical expenses of $30k, and property taxes of $5k estimates tax bill of: $31,000 The house will be sold, and proceeds can pay for tax bill. I assume the house may have...
by DSInvestor
Fri Jun 16, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: URGENT TIME SENSITIVE: Deathbed Roth
Replies: 45
Views: 4168

Re: URGENT TIME SENSITIVE: Deathbed Roth

Thank you for the condolences and advice. Here is what I think i understand: IRA: $150,000 (all taxable) TaxCaster w/ SS of $22k, medical expenses of $30k, and property taxes of $5k estimates tax bill of: $31,000 The house will be sold, and proceeds can pay for tax bill. I assume the house may have...
by DSInvestor
Fri Jun 16, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: What if current year's IRA maxed on Jan 2nd but lose job next day & unemployed rest of year?
Replies: 14
Views: 925

Re: What if current year's IRA maxed on Jan 2nd but lose job next day & unemployed rest of year?

If the person ends the year with only $500 in compensation, there is an excess contribution of $5000. Here's a link to Fairmark.com page on Excess contribution to Roth IRA:
http://fairmark.com/retirement/roth-acc ... roth-iras/
by DSInvestor
Thu Jun 15, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation help. Balanced fund and replicating total stock market
Replies: 5
Views: 214

Re: Allocation help. Balanced fund and replicating total stock market

Total stock market is 100% stock. If you want a 60/40 stock bond mix in the 401k where the stock portion approximates Total stock market, you can use 80/20 mix of VINIX (Institutional Index fund which is S&P 500 index) and Small Cap index. This works out to: 401k: 40% Bonds 48% VINIX (80% of 60)...
by DSInvestor
Thu Jun 15, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Roth 401k > Traditional 401k
Replies: 58
Views: 3285

Re: Roth 401k > Traditional 401k

One thing a lot of other people forget is marginal vs. effective tax rate. Assuming you have no other source of income your Roth is always taxed at your marginal rate vs. when you withdraw in retirement you will withdraw some at 0%. Obviously this is just one case so YMMV. Another case would be whe...
by DSInvestor
Thu Jun 15, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Roth 401k > Traditional 401k
Replies: 58
Views: 3285

Re: Roth 401k > Traditional 401k

My understanding is that the authors of the study aren't saying that Roth 401ks are better. They are saying that most people will pick a rule of thumb for saving and if they follow that rule of thumb they are actually saving less by putting the sum into a traditional 401k than a Roth 401k. The auth...
by DSInvestor
Thu Jun 15, 2017 11:02 am
Forum: Personal Finance (Not Investing)
Topic: 401k contribution match - 50% at 8% or 100% at 6%?
Replies: 10
Views: 927

Re: 401k contribution match - 50% at 8% or 100% at 6%?

Is there a vesting schedule for the match in either plan?
by DSInvestor
Wed Jun 14, 2017 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 18k in Cash?
Replies: 19
Views: 1568

Re: What to do with 18k in Cash?

CenTexan wrote:
BL wrote:
jbow44 wrote:
flamesabers wrote:Why not max out your Roth IRA for yourself in one lump deposit and spend the rest of the money on your car loan?


I would do this!

+1


+1 (Definitely)


I like this idea. Max out your Roth IRA now, then attack the car loan.
by DSInvestor
Wed Jun 14, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 75
Views: 3127

Re: How many tech devices do you have?

Bestbuy has a 4hr flash sale today 11am-3PM CT. iPad mini 4 128GB is $299. This is $100 off the regular price of $399. http://www.bestbuy.com/site/searchpage.jsp?st=ipad+mini+4&_dyncharset=UTF-8&id=pcat17071&type=page&sc=Global&cp=1&nrp=&sp=&qp=&list=n&af=true...
by DSInvestor
Wed Jun 14, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 75
Views: 3127

Re: How many tech devices do you have?

I shudder to count: 2 4k TVs 2 1080P TVs 1 1080i TV 1 768p TV Household of 4. What is the logic behind having six TVs, particularly given that there are only four people in the house? I'm sure there's a reason behind it, but I can't think of what it might be. Are they used for different purposes in...
by DSInvestor
Tue Jun 13, 2017 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help calculating max solo-401k contribution
Replies: 4
Views: 259

Re: Help calculating max solo-401k contribution

I believe there is a special case for 403b where the solo 401k and 403b will share the same 54K contribution limit. See post by Alan S: https://www.bogleheads.org/forum/viewtopic.php?p=2153050#p2153050 Sec 415(c) is a "per employer limit" meaning that you would normally conclude that you a...
by DSInvestor
Tue Jun 13, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 75
Views: 3127

Re: How many tech devices do you have?

Sounds reasonable to me.
by DSInvestor
Tue Jun 13, 2017 12:34 am
Forum: Investing - Theory, News & General
Topic: Roth 401k > Traditional 401k
Replies: 58
Views: 3285

Re: Roth 401k > Traditional 401k

I have no pension and am grateful to have max'd out Traditional 401k and Traditional Solo 401k while working and in a high tax bracket. Now that I am retired and living off a taxable account taking advantage 0% Fed tax rate on QDI and LTCG, I have been able to do conversions of my Traditional assets...
by DSInvestor
Sun Jun 11, 2017 11:27 pm
Forum: Personal Consumer Issues
Topic: Want to archive DVD's (movies, etc) onto standalone unit
Replies: 10
Views: 736

Re: Want to archive DVD's (movies, etc) onto standalone unit

patrick wrote:
DSInvestor wrote:Vudu has a service called Disk to Digital that allows you to convert DVD movies to electronic format.


That is a rather bizarre (though somehow increasingly common) name for the service -- DVDs are already digital!


Maybe "disk to cloud" would be more appropriate.
by DSInvestor
Sun Jun 11, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Want to archive DVD's (movies, etc) onto standalone unit
Replies: 10
Views: 736

Re: Want to archive DVD's (movies, etc) onto standalone unit

Vudu has a service called Disk to Digital that allows you to convert DVD movies to electronic format. Once converted, you can play the movie on a streaming box box, smartphone, tablet or computer using the Vudu app. I believe it costs $2/movie for Standard definition (SD), $5 to HD. The VUDU app on ...
by DSInvestor
Thu Jun 08, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Best credit card for cash back
Replies: 104
Views: 18233

Re: Best credit card for cash back

I have Citi DoubleCash. No annual fee, 2% cash back, but has 3% foreign transaction fee. One feature I like about this card is the CITI Price Rewind service where you'd register your purchase of an item (upload a receipt, date, store and amount), then the service looks for lower prices for 60 days f...
by DSInvestor
Tue Jun 06, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: Balancing and need to add bond fund - Vanguard or Fidelity?
Replies: 2
Views: 326

Re: Balancing and need to add bond fund - Vanguard or Fidelity?

The fidelity fund that is best match for Vanguard Total Bond (VBTLX) is Fidelity US Bond Index fund FSITX for the premium class (10K minimum initial investment). I have accounts at both firms and hold both funds. You'd be fine with either one.
by DSInvestor
Tue Jun 06, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Cell phone battery calibration
Replies: 17
Views: 1130

Re: Cell phone battery calibration

If your phone is old and has a user replaceable battery, the replacement may only be $10-20.
by DSInvestor
Tue Jun 06, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: Cricket Wireless Groups
Replies: 29
Views: 1994

Re: Cricket Wireless Groups

I would give you a referral but got a stern warning from a mod here not to do that on this site. Looks like you already got one anyways. It looks like the referral program is no longer active anyways.[/quote] I believe the referral program is still active. There was a recent change to make it part ...
by DSInvestor
Thu Jun 01, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Hypothetical tax efficiency question
Replies: 3
Views: 428

Re: Hypothetical tax efficiency question

I'm trying to get my head around how qualified dividends are treated. If your only income was qualified dividends, how much income could you have and pay zero taxes? For marrieds, is it really $75,900? No, it is more than $75,900. Qualified Dividend Income (QDI) is taxed at 0% fed tax rate up to th...
by DSInvestor
Tue May 30, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Roth IRA vs Roth 457/403
Replies: 14
Views: 364

Re: Thoughts on Roth IRA vs Roth 457/403

Here is a link to Fairmark's Designated Roth accounts page which deals with Roth 401k/403b:
http://fairmark.com/retirement/roth-acc ... -accounts/
by DSInvestor
Tue May 30, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Roth IRA vs Roth 457/403
Replies: 14
Views: 364

Re: Thoughts on Roth IRA vs Roth 457/403

MrNewEngland wrote:There are no Roth RMDs.
This is true only for Roth IRA. Roth 401k, Roth 403b, Roth 457b have RMD.
by DSInvestor
Tue May 30, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Roth IRA vs Roth 457/403
Replies: 14
Views: 364

Re: Thoughts on Roth IRA vs Roth 457/403

Transfer of Roth 403b assets to Roth IRA would avoid RMD on the Roth 403b assets. I am assuming here that the total of contribs excluding employer contribs at age 50 is 18+6 or $24k, and that this money can be directed/split across both employer and personal accounts (that is, it can go into a 403b ...
by DSInvestor
Mon May 29, 2017 7:58 pm
Forum: Personal Consumer Issues
Topic: best watch for climbing/mountaineering?
Replies: 9
Views: 816

Re: best watch for climbing/mountaineering?

Can anyone recommend a good watch with an altimeter/GPS for hiking, climbing, and/or mountaineering? Perhaps one in the Garmin line? Many thanks. Just started using something new in the last month, a Gaia GPS app for the iphone. It's like $20 and when you leave cell coverage you need to download th...
by DSInvestor
Mon May 29, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Freezer not freezing
Replies: 6
Views: 513

Re: Freezer not freezing

Is the freezer door sealing?

Link to SFGate's Repair Freezer running but not freezing:
http://homeguides.sfgate.com/repair-fre ... 63889.html
by DSInvestor
Mon May 29, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: best watch for climbing/mountaineering?
Replies: 9
Views: 816

Re: best watch for climbing/mountaineering?

Here's a review of altimeter watches from OutdoorGearLab.com:
http://www.outdoorgearlab.com/topics/ca ... eter-watch
by DSInvestor
Sun May 28, 2017 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: 401K and SEP Contribution Limits
Replies: 6
Views: 256

Re: 401K and SEP Contribution Limits

Question: Are the SEP retirement contributions ... (1) part of the $54,000 401k limit or (2) a completely separate limit? Thanks! The contribution limits for 401k on your employer plan and your self employed business are separate so you could potentially have 54K to 401k and another 54K to SEP-IRA/...
by DSInvestor
Sat May 27, 2017 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding ROTH IRA conversion and taxes owed
Replies: 12
Views: 606

Re: Question regarding ROTH IRA conversion and taxes owed

Hi, I got a bill from the IRS for 2015 regarding a ROTH IRA conversion. Specifically what I did last year was put 5000 into the traditional IRA at Vanguard, then a few days later before any interest accrued, I converted it into a Roth IRA. The IRS must have gotten the 1099-R form from Vanguard for ...
by DSInvestor
Sat May 27, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Question regarding ROTH IRA conversion and taxes owed
Replies: 12
Views: 606

Re: Question regarding ROTH IRA conversion and taxes owed

Hi, I got a bill from the IRS for 2015 regarding a ROTH IRA conversion. Specifically what I did last year was put 5000 into the traditional IRA at Vanguard, then a few days later before any interest accrued, I converted it into a Roth IRA. The IRS must have gotten the 1099-R form from Vanguard for ...
by DSInvestor
Fri May 26, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Voyager Select vs Flagship
Replies: 32
Views: 4828

Re: Voyager Select vs Flagship

Vanguard Flagship: https://investor.vanguard.com/investing/benefits/flagship Exclusive benefits When you call, you'll speak with an experienced Flagship representative who will act as your guide to all the services we offer our high-net-worth clients. Whenever you're facing a complex situation or ch...
by DSInvestor
Fri May 26, 2017 1:17 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA but want to keep SEP-IRA
Replies: 16
Views: 1140

Re: Backdoor Roth IRA but want to keep SEP-IRA

4) If you're married and your spouse does not have a SEP-IRA, he/she can use the backdoor into Roth IRA. Your spouse's 8606 form will only look at his/her IRA assets and ignore yours. If you want to keep the SEP-IRA, you should skip the backdoor into Roth IRA. Have you run through form 8606 to see ...
by DSInvestor
Wed May 24, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA but want to keep SEP-IRA
Replies: 16
Views: 1140

Re: Backdoor Roth IRA but want to keep SEP-IRA

4) If you're married and your spouse does not have a SEP-IRA, he/she can use the backdoor into Roth IRA. Your spouse's 8606 form will only look at his/her IRA assets and ignore yours. If you want to keep the SEP-IRA, you should skip the backdoor into Roth IRA. Have you run through form 8606 to see h...
by DSInvestor
Tue May 23, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: Should I way some bonds in my Roth for this situation
Replies: 5
Views: 307

Re: Should I way some bonds in my Roth for this situation

Yup! I did say the backward didn't I. Thanks. Just curious why you don't tax adjust? Thanks cody I don't have much income tax liability. I do not have a defined benefit pension and am at least 10-15 years from starting social security. My assets are in Taxable accounts, Trad IRA and Roth IRA. Livin...
by DSInvestor
Tue May 23, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: Should I way some bonds in my Roth for this situation
Replies: 5
Views: 307

Re: Should I way some bonds in my Roth for this situation

I think that will work. If I want to keep it dollar for dollar I could adjust for taxes value. Sell $10K in Roth equity. In tax deferred exchange maybe $12K equity to 12K bonds. Could do the exact math at the time. Seem right? cody I think you have it backwards in your tax deferred accts - exchange...
by DSInvestor
Tue May 23, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Should I way some bonds in my Roth for this situation
Replies: 5
Views: 307

Re: Should I way some bonds in my Roth for this situation

You may have bonds in your Roth IRA, but do you have bonds in your Traditional accounts? If you need to withdraw 10K from Roth IRA (all stocks) and prefer not to sell stocks from the portfolio, simply add an exchange 10K of bonds for stocks in your Traditional IRA at the same time. 1) In Roth IRA, s...
by DSInvestor
Tue May 23, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Confused -- Roth vs Traditional IRA
Replies: 8
Views: 656

Re: Confused -- Roth vs Traditional IRA

I am a 30 year old currently making $175,000 yearly. I have a 403(b), 457(b) account available to me through my job. I am currently doing a Roth IRA for myself and my wife is doing a Roth IRA for herself as well. We are a one-income family at this time. I have recently seen some articles about Roth...
by DSInvestor
Tue May 23, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Confused -- Roth vs Traditional IRA
Replies: 8
Views: 656

Re: Confused -- Roth vs Traditional IRA

deltaneutral83 wrote:How can you contribute the max to two different retirement accounts 403b, 457b?


457b has a separate 18K limit that is not shared with 401k/403b.
by DSInvestor
Mon May 22, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: SEP IRA vs. investment account
Replies: 8
Views: 534

Re: SEP IRA vs. investment account

If you're self employed and have no employees other than your spouse, you're eligible for Solo 401k. I prefer Solo 401k over SEP-IRA because Solo 401k gives you the option to contribute more than SEP-IRA on the same income. Say your income allows 15K to SEP-IRA, Solo 401k would allow 15K employer pr...
by DSInvestor
Mon May 22, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: HELP -- Solo 401k vs SEP-IRA
Replies: 6
Views: 289

Re: HELP -- Solo 401k vs SEP-IRA

Since you've maxed out employee contribution plus catchup to your 403(b) at your workplace plan, you have no contribution room left to make any employee contributions to your Solo 401k. This leaves only employer profit share contribution to your Solo401k which is approximately 20% of sole proprietor...
by DSInvestor
Sat May 20, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: IRS asking me to pay the tax on full Traditional to Roth Conversion : 1099-R
Replies: 20
Views: 1795

Re: IRS asking me to pay the tax on full Traditional to Roth Conversion : 1099-R

The key to proper handling of backdoor into Roth IRA is to enter both steps of the backdoor. 1) Contribution to Traditional IRA and 2) 1099-R for the conversion step. 1. Contribution to TIRA will add IRA basis to form 8606 if the contribution is non-deductible. If deductible, IRA deduction shows up ...

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