Search found 9072 matches

by DSInvestor
Thu May 26, 2016 12:09 am
Forum: Personal Consumer Issues
Topic: Pet friendly hotels no fees
Replies: 8
Views: 644

Re: Pet friendly hotels no fees

Motel 6 also, if you want a really cheap room. If you're an AARP member offers 10% discount, free wifi and late checkout. At other hotel chains, there are other ways to get that same low rate but Motel 6 only offers discounts for AARP or military I believe. Some Motel 6 are decent some are not. Mot...
by DSInvestor
Wed May 25, 2016 11:58 pm
Forum: Investing - Theory, News & General
Topic: Difference between "international" and "ex-US"?
Replies: 6
Views: 610

Re: Difference between "international" and "ex-US"?

Considering that FSGDX costs 0.28% vs 0.17% for FSIVX and 0.19% for VGTSX, is the inclusion of emerging markets worth the extra cost? I see different expense ratios for those funds. Fidelity.com shows the following net expense ratios: FSGDX Fidelity Spartan Global ex-US Advantage net er= 0.12% FSIV...
by DSInvestor
Wed May 25, 2016 11:28 pm
Forum: Investing - Theory, News & General
Topic: Difference between "international" and "ex-US"?
Replies: 6
Views: 610

Re: Difference between "international" and "ex-US"?

Fidelity Spartan International Index FSIVX does not include emerging markets. Fidelity Spartan Global ex-US FSGDX includes emerging markets. FSGDX is the closest match to Vanguard's Total International Stock Market Index VGTSX/VTIAX. See BH wiki page on Bogleheads style investing at Fidelity: https:...
by DSInvestor
Wed May 25, 2016 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: House - to buy or not
Replies: 28
Views: 1202

Re: House - to buy or not

2700-3500SF house for family of three is pretty big. Do you really need that much space?
by DSInvestor
Wed May 25, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA and back door Roth IRA question
Replies: 6
Views: 285

Re: Roth IRA and back door Roth IRA question

If you're married, your spouse can make IRA contributions. If spouse has no eligible compensation, spousal IRA contributions are allowed based on the income of the working spouse as long as you file joint tax return. Are you maxing out work place plans like 401k, 403b, 457b, TSP? What about HSA if y...
by DSInvestor
Tue May 24, 2016 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: 457, rIRA maxed 15% bracket invest where?
Replies: 7
Views: 314

Re: 457, rIRA maxed 15% bracket invest where?

I think you misunderstood. My AGI is about $53,000. I'm married so my the top of the 15% bracket is $74,900. Thus the first $22k in long term capital gains and dividents is not taxed for me. That's why I want to invest after tax. The top of the 15% tax bracket is based on Taxable Income (line 43 of...
by DSInvestor
Tue May 24, 2016 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with small IRA?
Replies: 10
Views: 581

Re: What to do with small IRA?

One cannot combine your Roth IRA with your spouse's Roth IRA until one of you dies. Sorry for the confusion, actually I was asking about combining my wife's (2) Roth IRA's after she converts her TIRA to a Roth. If her TIRA and Roth IRA are held at the same custodian, she can simply convert the TIRA...
by DSInvestor
Tue May 24, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need both total stock market and small cap index fund?
Replies: 7
Views: 747

Re: Do I need both total stock market and small cap index fund?

You'll be just fine with the Total Stock market fund. Add the small cap index if you wish to overweight small caps. I hold only TSM for my US stocks. Keep it simple.
by DSInvestor
Tue May 24, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with small IRA?
Replies: 10
Views: 581

Re: What to do with small IRA?

Don't cash it out. If you cash out, the withdrawal is taxable and may be subject to 10% early withdrawal penalty if she has not yet attained age 59.5. A better option would be to convert all of it to Roth IRA which would be taxable but there is no penalty. Or leave it alone if you don't want to pay ...
by DSInvestor
Tue May 24, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Roth convert/rechar to reallocate
Replies: 4
Views: 206

Re: Roth convert/rechar to reallocate

Not sure where you hold your IRA accounts but when I did a Roth conversion at Fidelity I did not have to sell shares in the TIRA or buy shares in the Roth IRA. If you want to swap locations without doing a conversion, I suppose you can sell the ETF in TIRA and buy mutual fund in the Roth IRA. This w...
by DSInvestor
Tue May 24, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Apple Hotspot vs VPN
Replies: 3
Views: 390

Re: Apple Hotspot vs VPN

With the apple personal hotspot, you avoid the free WiFi service entirely. I'm pretty sure you can use VPN with while on personal hotspot. Using the apple hotspot may only be an option if a) you have signal and b) your cell plan isn't going to cost you a fortune to use it so watch out if your plan h...
by DSInvestor
Tue May 24, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Bond ETF vs Bond Mutual Fund
Replies: 19
Views: 1116

Re: Bond ETF vs Bond Mutual Fund

I read somewhere that a Bond ETF is not as efficient/cost effective in dividend reinvestment as a Bond Mutual Fund. Does anyone have experience with using Bond ETFs and how they compare positively and/or negatively to Bond Mutual Funds? Let's say an investor wished to buy Vanguard Total Bond Market...
by DSInvestor
Tue May 24, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bond ETF vs Bond Mutual Fund
Replies: 19
Views: 1116

Re: Bond ETF vs Bond Mutual Fund

Why have an asset allocation if you are never going to rebalance it? One would expect the equity suballocation to eventually comprise the majority share of the portfolio and therefore its behavior will determine the outcome of the fund. There's nothing wrong with a closed-end fund in the sense that...
by DSInvestor
Tue May 24, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: An AMT warning for retirees
Replies: 10
Views: 2313

Re: An AMT warning for retirees

Try a blend of comparable amounts of ordinary income and QDIV/LTCG. You will get AMT even with std deduction. You're right. 300K AGI where 150K is QDI and 150K is Pension/IRA distribution results in 46K Regular tax, 2.5K AMT, 1.9K NIIT for total Fed tax of 50.8K Add 10K of QDI and Regular tax is 48...
by DSInvestor
Tue May 24, 2016 11:29 am
Forum: Personal Finance (Not Investing)
Topic: An AMT warning for retirees
Replies: 10
Views: 2313

Re: An AMT warning for retirees

I just entered 400K of QDI into taxcaster for married both age 62. No AMT. Regular Tax is 46K and I think NIIT is 5700 (3.8% of the 150K over 250K) for a total Fed tax of 52K on 400K income. Maybe there is something else going on in your tax return. If I add 30K of State Income tax AMT is $937 but T...
by DSInvestor
Mon May 23, 2016 7:29 pm
Forum: Forum Issues and Administration
Topic: Staying Logged In
Replies: 25
Views: 1398

Re: Staying Logged In

In Safari preferences, passwords. check autofill usernames and passwords and then save them for bogleheads website.
by DSInvestor
Mon May 23, 2016 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Excessive Expense Ratios for Index Funds in 401(k)
Replies: 10
Views: 665

Re: Excessive Expense Ratios for Index Funds in 401(k)

Vanguard 500 Index Admiral er=0.05% Vanguard 500 Index Investor er=0.16% When you say 10X, do you mean 10X admiral or Investor? 10X Admiral is 0.50% would be bad but great when compared against 10X Investor 1.60%! There are lots of 401k plans with expense ratios of 1.60% and higher. If 0.50% maybe g...
by DSInvestor
Mon May 23, 2016 9:47 am
Forum: Personal Consumer Issues
Topic: starting a very small business - extension of a hobby?
Replies: 19
Views: 1269

Re: starting a very small business - extension of a hobby?

does the government remotely care about this if it's on a very small scale? maybe 6 days total of shows a year. From one of your other threads, you've indicated that you're Canadian. It would be helpful for readers to know whether you're asking about rules in Canada vs US or both. Big differences i...
by DSInvestor
Sun May 22, 2016 5:18 pm
Forum: Personal Consumer Issues
Topic: Which HBO show to watch next?
Replies: 59
Views: 4099

Re: Which HBO show to watch next?

For readers who do not have HBO subscription, many of these HBO shows are available on amazon for free if you are a Prime subscriber.
by DSInvestor
Sun May 22, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Trip to Portland, Oregon
Replies: 35
Views: 2223

Re: Trip to Portland, Oregon

If you are going north of Seattle, consider visiting Artist Point / Mount Baker which is east of Bellingham WA. Fantastic scenery and less crowded than the national parks. Parking pass required to park at Artist Point. I believe you can purchase a pass there or at ranger station in Glacier, WA on th...
by DSInvestor
Sun May 22, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund(s) for automatic monthly withdrawls?
Replies: 8
Views: 438

Re: Which fund(s) for automatic monthly withdrawls?

If you wish to use automatic withdrawals, you could simply setup the monthly withdrawal from the bond fund TBM/Intermediate bond index fund in your IRA. You can rebalance the portfolio periodically to maintain AA. If AA says that stocks are above target, your rebalance by exchanging stocks to bonds ...
by DSInvestor
Sat May 21, 2016 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell Berkshire?
Replies: 24
Views: 2541

Re: When to sell Berkshire?

Some folks hold 1 share of BRK.B to get a GEICO discount. That's about all I'd want to hold. I'd prefer to go with a diversified index fund.
by DSInvestor
Sat May 21, 2016 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: AMEX Premier Rewards Gold Card Point to mile conversions
Replies: 6
Views: 399

Re: AMEX Premier Rewards Gold Card Point to mile conversions

I had a bunch of AMEX membership rewards points. I have redeemed them to delta and continental airlines and there was a fee for the transfer. The airline also charges fees/taxes for the "free" award ticket. I haven't flown much in recent years and used the points to buy a bunch of gift car...
by DSInvestor
Sat May 21, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: windows 10
Replies: 4
Views: 568

Re: windows 10

For updates, click on windows icon->settings->Update and Security->Windows Update. Click on button for "Check for updates". This will download operating system updates, security updates and antivirus updates.
by DSInvestor
Sat May 21, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Switching to ARM
Replies: 6
Views: 646

Re: Switching to ARM

you may be able to get a lower monthly payment after the mortgage prepayments by recasting your 30 YR mortgage. The risk with the ARM is that the rate could float up to a rate that is higher than your current mortgage. bankrage page on mortgage recasting: http://www.bankrate.com/finance/mortgages/wh...
by DSInvestor
Sat May 21, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: surface street or freeway commute?
Replies: 32
Views: 1509

Re: surface street or freeway commute?

When I used to live in New Orleans, there were school zones and traffic cameras all over the place. My preference would be freeway.
by DSInvestor
Sat May 21, 2016 1:32 pm
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4186

Re: Amazon has no head to head competitors?

Amazon shoppers who wish to support the bogleheads website can use the amazon link found on the left side of the bogleheads main page to enter the amazon website.
by DSInvestor
Sat May 21, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4186

Re: Amazon has no head to head competitors?

It occurs to me lately how many of my discretionary dollars go to Amazon, strictly based on convenience, not price. I don't like to shop most retailers in person and I loathe standing in a return line even more. I know Amazon will take back anything I buy from them and often, even after 30 days...I...
by DSInvestor
Fri May 20, 2016 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: IRS wants taxes for a backdoor Roth
Replies: 14
Views: 2501

Re: IRS wants taxes for a backdoor Roth

Yes, I tried it in Turbotax and HRB's program. It is not easy to do the backdoor Roth. I had to google it and got a step by step how to guide and did it all but there is no form 8606 generated and it still thinks I have a taxable event. I will keep working on it. You have to enter 1) traditional Ir...
by DSInvestor
Fri May 20, 2016 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Any reason to transfer from former company 401(k)
Replies: 5
Views: 463

Re: Any reason to transfer from former company 401(k)

If the investment options/fees at the new job's 401k are as good or better than the old 401k, you could consider a rollover into the new plan? As long as you do not rollover into a Rollover IRA, you'd be good with the backdoor into Roth IRA. Is there a way to waive the "self directed" fee ...
by DSInvestor
Fri May 20, 2016 12:30 am
Forum: Personal Finance (Not Investing)
Topic: IRS wants taxes for a backdoor Roth
Replies: 14
Views: 2501

Re: IRS wants taxes for a backdoor Roth

Negative on the traditional IRA balances. We only carry the traditional Balance for a day so that it posts to the account and then do the backdoor rollover. All IRA monies are in a Roth account. If you have no assets in Traditional IRA, Rollover IRA, SEP-IRA, and SIMPLE-IRA and IRS wants taxes on t...
by DSInvestor
Thu May 19, 2016 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: IRS wants taxes for a backdoor Roth
Replies: 14
Views: 2501

Re: IRS wants taxes for a backdoor Roth

The key to avoiding taxes on the conversion step of the backdoor into Roth IRA is to make sure that form 8606 is correctly filled out for every tax year that you made contributions. Form 8606 tracks the non-deductible contributions. If you were covered by an employer plan like 401k, there are income...
by DSInvestor
Thu May 19, 2016 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds in backdoor Roth or good 401k
Replies: 1
Views: 130

Re: Bonds in backdoor Roth or good 401k

If your 401k is larger than your Roth IRA and has all asset classes you need for your AA, it would make sense to hold your bonds in the 401k. You'd be able to rebalance the entire portfolio by taking actions in the 401k alone.
by DSInvestor
Thu May 19, 2016 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: VNQ in Taxable Account?
Replies: 11
Views: 901

Re: VNQ in Taxable Account?

Yes I probably should have done that earlier but at this point the amount I can contribute is very small compared to the overall portfolio, so it would not be significant. How much tax advantaged space (401k/403b/IRA) do you have? Say you have $2MM portfolio and can only contribute 18K/yr to 401k. ...
by DSInvestor
Thu May 19, 2016 3:55 pm
Forum: Investing - Theory, News & General
Topic: Beginner Questions
Replies: 5
Views: 582

Re: Beginner Questions

Fidelity charges $75 every time you buy a vanguard fund. Vanguard funds are not on any brokerage firms' No Transaction Fee (NTF) list of funds. I believe this is because Vanguard funds do not include a 12b-1 fee which is typically used to compensate brokerages for marketing the fund and maintaining ...
by DSInvestor
Thu May 19, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Replacing landline/DSL with cell only
Replies: 35
Views: 1704

Re: Replacing landline/DSL with cell only

I'm having a problem with my phone/DSL, and if it turns out to be in the house wiring I'm thinking of going at least temporarily with a cell-only option. Are all phone jacks in the house dead? If the phone jack for your DSL modem has no dial tone, maybe try to relocate your DSL modem/router to anot...
by DSInvestor
Thu May 19, 2016 12:20 pm
Forum: Personal Consumer Issues
Topic: Replacing landline/DSL with cell only
Replies: 35
Views: 1704

Re: Replacing landline/DSL with cell only

Getting internet back is important, especially for the weekends. I can do some at work during lunch/after hours (like now). Don't worry about streaming services. I won't use any, at least initially. What do you use for TV service, cable, dish, Over the Air? If you have cable TV service, check to se...
by DSInvestor
Thu May 19, 2016 11:46 am
Forum: Personal Consumer Issues
Topic: Replacing landline/DSL with cell only
Replies: 35
Views: 1704

Re: Replacing landline/DSL with cell only

iPhone has the option for personal hotspot and I think most if not all android phones have the feature also. You'd need to check with wireless carriers to see if anything has to be enabled on the wireless plan to use the personal hotspot feature and whether paying for the option will give you additi...
by DSInvestor
Mon May 16, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2097

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

My desktop also serves music to my Sonos system, so I leave it on all the time. But it's a fanless mini PC that uses 7 watts when idle. If I had a PC with a noisy fan I'd keep it off as much as I could. I copied my music library to a USB drive and plugged that into my router where my sonos can acce...
by DSInvestor
Mon May 16, 2016 3:42 pm
Forum: Personal Consumer Issues
Topic: buying pet food online
Replies: 38
Views: 1575

Re: buying pet food online

We just switched to chewy and we like it.
by DSInvestor
Mon May 16, 2016 3:39 pm
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2097

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

If you want to reduce electricity usage in your house, I think you'd enjoy the Kill-A-Watt device. Amazon link to Kill-A-Watt P4400: http://www.amazon.com/P3-P4400-Electricity-Usage-Monitor/dp/B00009MDBU/ref=sr_1_1?ie=UTF8&qid=1463431056&sr=8-1&keywords=Kill-a-watt Check your local libra...
by DSInvestor
Mon May 16, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 20
Views: 1072

Re: Separate data partition on dual-boot system?

I agree with others that the cleaner solution is to put W10 in the VM and isolate the VM. The scenario here, then, would involve buying a Win10 machine, uninstalling Windows, installing Linux, then adding Win10 as a virtual machine. When I've done past reinstalls of operating systems, they've invol...
by DSInvestor
Mon May 16, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2097

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

I reset it now to 1 hour that way I will save electricity and it will not have to power up as often. You can probably set separate times for computer sleep vs display sleep. Putting the display to sleep will help save power even if the desktop computer is running. This would allow your computer to ...
by DSInvestor
Mon May 16, 2016 12:47 pm
Forum: Investing - Theory, News & General
Topic: Are Target Retirement Funds More Resistant to Panic Selling?
Replies: 23
Views: 1803

Re: Are Target Retirement Funds More Resistant to Panic Selling?

Vanguard's Target Retirement and other fund of funds used to hold Total Bond Market for the bond allocation. In 2008/2009, these funds of funds needed to rebalance to maintain asset allocation and it started to impact other shareholders of the Total Bond Market fund. Vanguard created a separate fund...
by DSInvestor
Sun May 15, 2016 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA in retirement
Replies: 2
Views: 662

Re: Roth IRA in retirement

OP did not indicate tax filing status. If married filing jointly, OP may be able to deplete his compensation with pre-tax solo 401k contributions then take advantage of spouse's compensation to contribute to Roth IRA.
by DSInvestor
Sun May 15, 2016 9:44 pm
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2097

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

do you have a kill-a-watt device to see how much electricity your computer draws when in use vs sleep?
by DSInvestor
Sun May 15, 2016 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Sep IRa and Backdoor?
Replies: 3
Views: 230

Re: Sep IRa and Backdoor?

Yes, but SEP-IRA assets will interfere with her conversion in the backdoor into Roth-Ira. Solo 401k would be better choice to defer her self employed income and clean use of the backdoor into Roth IRA. SEP-IRA and Solo 401k both have a max contribution of 53K. Solo 401k's employer profit share contr...
by DSInvestor
Sun May 15, 2016 5:40 pm
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 20
Views: 1072

Re: Separate data partition on dual-boot system?

Is it possible to be offline on the host system (say Windows), but online in the virtual space (Linux)? IOW, are the networking controls for each OS kept separate? I do not believe this is possible. AFAIK in order the VM to be online, the host must be online as well. The reason I ask is that if I e...
by DSInvestor
Sun May 15, 2016 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring at end of year, our portfolio needs help.
Replies: 22
Views: 3075

Re: Retiring at end of year, our bonds portfolio needs help.

I am not expert on taxes, so I will let others comment on that issue. While you seem to have chosen a lot of low cost funds, I put the emphasis on "a lot". I would definitely consolidate into fewer funds, particularly within the IRAs since you can do so without creating a taxable event. I...

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