Search found 9653 matches

by DSInvestor
Mon Dec 05, 2016 4:42 pm
Forum: Personal Consumer Issues
Topic: 2nd cell phone in different area code
Replies: 10
Views: 1036

Re: 2nd cell phone in different area code

Do you really need a "local" number at your second location? I think most phone plans either allow for unlimited calling to any US phone number or charges the same rate for all US calls. I spend months out of the year away from home and have never encountered a problem where my out of stat...
by DSInvestor
Mon Dec 05, 2016 4:15 pm
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 39
Views: 2189

Re: Best printers for home use

We have had zero problems with our brother BW laser printers. We started with a 5250DN many years ago and bought a HL-L2380DW to get AirPrint compatibility (print direct from iPad/iPhone) and network scanner. We also have a HL-L2360DW.

All three models were very reliable.
by DSInvestor
Sun Dec 04, 2016 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: how to transfer $ from traditional ira to backdoor roth?
Replies: 2
Views: 272

Re: how to transfer $ from traditional ira to backdoor roth?

You can do a fund exchange from your MMF in Traditional IRA to any fund in your Roth IRA. THe system should recognize this as a Roth conversion and you will be asked if you want to withhold taxes. Do not withhold taxes. This can be done online or over the phone with a Vanguard rep. If you talk to a ...
by DSInvestor
Sun Dec 04, 2016 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: Quick question on capital gains to confirm my understanding
Replies: 8
Views: 471

Re: Quick question on capital gains to confirm my understanding

If she is currently receiving ACA subsidy, the higher AGI with LTCG may result in reduction or loss of subsidy (Premium Tax Credit).
by DSInvestor
Sun Dec 04, 2016 2:53 pm
Forum: Personal Consumer Issues
Topic: Transferring Files - Macbook
Replies: 3
Views: 268

Re: Transferring Files - Macbook

Here's a link to an apple page - Move your content to a new Mac:
https://support.apple.com/en-us/HT204350
by DSInvestor
Sun Dec 04, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quick question on capital gains to confirm my understanding
Replies: 8
Views: 471

Re: Quick question on capital gains to confirm my understanding

LT capital gains is included in her AGI but is stacked on top of her ordinary income. The higher AGI with LTCG will likely make more of her social security income be taxable and included in AGI. You can see how this works with a dummy tax return with a base case of 24K pension, 24K social security, ...
by DSInvestor
Sun Dec 04, 2016 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on dealing with Amazon customer service
Replies: 28
Views: 2251

Re: Advice on dealing with Amazon customer service

There are lots of posts from people buying from bhphoto.com. Do you have a citibank credit card? If so, check out the CITI PRICE REWIND service which refunds you the price difference if a lower price is found within 60 days of purchase. With such a service, you don't to wait for the price to drop. Y...
by DSInvestor
Sun Dec 04, 2016 1:08 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 511753

Re: What Movie Have You Recently Watched?

The Night Manager, Based on John le Carré's novel of the same name, "The Night Manager" is a crime drama following the work of former British soldier Jonathan Pine. This is a BBC 6 part mini series staring Tom Hiddleston and Hugh Laurie. Wow! this is great and even more appreciated as a l...
by DSInvestor
Fri Dec 02, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 5399

Re: Long ethernet cable or wireless?

One of the things brought up repeatedly in this thread is to get the firmware updated. Since my router is from the ISP, I assumed they'd be pushing any new updates but wasn't sure. I went to the manufacturer and it said no updates were available. That's one reason I'm looking for a diagnostic tool ...
by DSInvestor
Fri Dec 02, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: High End Routers vs Mesh Network?
Replies: 8
Views: 1013

Re: High End Routers vs Mesh Network?

You should run some speed tests over WiFi from several locations in your condo and also when plugged in directly to the router using ethernet. At my old condo, I found that speeds were slow even when plugged in to the router. It turned out that the cable run from downstairs to the outlet was bad (wa...
by DSInvestor
Thu Dec 01, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 27
Views: 2317

Re: Buy iPhone 7 or Wait for iPhone 8

I have an iPhone 5S that is 2 years old and upgraded to IOS 10. It still runs well and battery life is still decent. I prefer the smaller form factor of the 5S and SE. If I upgrade, it would be to an SE. I hope Apple doesn't kill off the smaller form factor phones. The new camera on the 7Plus looks ...
by DSInvestor
Thu Dec 01, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6078

Re: Should I buy a new car for safety's sake?

The only car we might keep for 10 years is my Tesla, but even that might become our secondary car sooner than that. The tesla has a lot of computer stuff built-in. I hope software and OS updates run well on the existing hardware 5, 10, 15 years from now. This is not much of a concern in cars with l...
by DSInvestor
Thu Dec 01, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 5399

Re: Long ethernet cable or wireless?

May have been suggested earlier, but you may be able to turn off wireless broadcasting and set up your wireless connection manually on the one laptop. I'm going to need some help understanding this. If I disable "Wireless Radio" on my router, which would be turning off wireless broadcasti...
by DSInvestor
Thu Dec 01, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Best vendor to purchase the latest Apple Macbook Pro?
Replies: 17
Views: 1632

Re: Best vendor to purchase the latest Apple Macbook Pro?

Don't think spouse will go for the smaller screen. 15" inch it has to be. Also in the market for a Macbook as well for another family member. Again, this will be for use when traveling and lightweight, portability is the key factor in deciding Macbook vs Macbook Air. This will be again for reg...
by DSInvestor
Thu Dec 01, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Best vendor to purchase the latest Apple Macbook Pro?
Replies: 17
Views: 1632

Re: Best vendor to purchase the latest Apple Macbook Pro?

Appreciate the input. I will likely opt for a cheaper machine. Should I still go for the highest processor, RAM and video card? Which one would have the least impact on machine performance for regular use? I am thinking keeping the processor and RAM and dropping the video card as well as the storag...
by DSInvestor
Wed Nov 30, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterizing Roth to Traditional worth it?
Replies: 13
Views: 843

Re: Recharacterizing Roth to Traditional worth it?

Are you covered by an employer plan at work like a pension, 401k, 403b, 457b, SIMPLE-IRA, SEP-IRA, Solo 401k? If so, be aware that there are income limits that may disallow the TIRA deduction for you. See IRA deduction limits: https://www.irs.gov/retirement-plans/ira-deduction-limits If neither of y...
by DSInvestor
Wed Nov 30, 2016 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Individual 401k vs. SEP IRA / taxable
Replies: 15
Views: 639

Re: Individual 401k vs. SEP IRA / taxable

Sorry, I misspoke. I did a backdoor Roth. I'm actually going to do a Traditional IRA moving forward and consider a backdoor Roth down the line. If you are unable to do a direct ROTH IRA, then you are definitely not eligible to do a traditional IRA since you have a retirement plan at work. Tradition...
by DSInvestor
Wed Nov 30, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Individual 401k vs. SEP IRA / taxable
Replies: 15
Views: 639

Re: Individual 401k vs. SEP IRA / taxable

Sorry, I missed the part about the part time employee. I was under the impression that Solo 401k is not an option once there is an employee who is not an owner or a spouse of owner. Here's a thread on Solo 401k when one has part time employees:
viewtopic.php?t=104547
by DSInvestor
Wed Nov 30, 2016 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Individual 401k vs. SEP IRA / taxable
Replies: 15
Views: 639

Re: Individual 401k vs. SEP IRA / taxable

edit: I missed the part time employee in the opening post. This may disallow use of Solo 401k. You cannot contribute 53K to SEP-IRA and 53K to Solo 401k in the same year. Pick one. Also Solo 401k has 53K contribution limit. THe sum of employer profit share and employee salary deferral cannot exceed ...
by DSInvestor
Wed Nov 30, 2016 1:23 am
Forum: Personal Consumer Issues
Topic: Should I buy a new car for safety's sake?
Replies: 152
Views: 6078

Re: Should I buy a new car for safety's sake?

Hold on to the camry. Plenty of life left in that car. Your new winter tires should serve you well for winter in Oregon.
by DSInvestor
Tue Nov 29, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Last day for solo 401k contribution?
Replies: 10
Views: 661

Re: Last day for solo 401k contribution?

I used to have an S-Corp and made my Solo 401k contributions by Dec 30 for the employee contributions. Note that employee contributions must be withheld from the paychecks. The employer profit share can be made up until tax filing deadline for the business. I used to make the employer contribution a...
by DSInvestor
Tue Nov 29, 2016 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement distribution
Replies: 7
Views: 877

Re: Retirement distribution

If you have assets in taxable accounts, I imagine you will have other income in the form of interest, Dividend distributions, Capital Gains distributions and Capital Gains (if you sell assets in taxable accounts for gain). Are you reinvesting dividends in the taxable account? If so, you can stop rei...
by DSInvestor
Tue Nov 29, 2016 1:54 pm
Forum: Personal Consumer Issues
Topic: Would I notice a difference between an i3-6100 and an i5-6200 processor?
Replies: 20
Views: 1009

Re: Would I notice a difference between an i3-6100 and an i5-6200 processor?

My current computer has a Core i5-3317 processor @ 1.7 GHz. If I buy the i3-6100 model , would I likely notice a difference in performance over my old computer (based on the processor)? Hard to say. There are lots of factors that can affect performance. A slower CPU with an SSD and lots of RAM can ...
by DSInvestor
Tue Nov 29, 2016 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: question about solo 401k for spouse and date
Replies: 9
Views: 522

Re: question about solo 401k for spouse and date

IMO, If you want to max out contributions, consider paying your wife a salary of 24K which would allow 18K contribution as employee salary deferral and 6K employer profit share for total contribution of 24K. For your contribution to Solo 401k, you may need to watch out. You are correct that your 18K...
by DSInvestor
Tue Nov 29, 2016 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Taxable vs 401K with identical tax brackets
Replies: 14
Views: 610

Re: Taxable vs 401K with identical tax brackets

IMO, you should max out all tax advantaged accounts before investing in taxable accounts. Traditional 401k contributions are pre-tax and will reduce your W-2 box 1 which flows into 1040 line 7 and contributes to your AGI. The lower AGI may help you qualify for tax credits, stay eligible for Roth IRA...
by DSInvestor
Mon Nov 28, 2016 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Undo Backdoor Roth possible?
Replies: 4
Views: 259

Re: Undo Backdoor Roth possible?

While it would be possible to re characterize the Roth conversion to undo the conversion and put the money back into TIRA. I do not think you can recharacterize the Traditional IRA contribution that you have already recharacterized from Roth IRA contribution. I don't see much downside to keeping the...
by DSInvestor
Mon Nov 28, 2016 2:08 pm
Forum: Personal Consumer Issues
Topic: Shopping and Time Vs. Money
Replies: 20
Views: 1834

Re: Shopping and Time Vs. Money

My credit cards (citi double cash / citi costco) have a really easy to use CITI Price Rewind feature that searches for lower prices for 60 days after purchase and refund you the price difference. Just enter item, price, date of purchase and upload a copy or photo of the receipt. The price rewinds ca...
by DSInvestor
Mon Nov 28, 2016 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Expedite Transactions through Vanguard Secure Email?
Replies: 9
Views: 888

Re: Expedite Transactions through Vanguard Secure Email?

...If you use an automatic transaction to sell or exchange shares,... May I ask, is this with the pre-upgraded accounts (mutual funds only) or post? We tried to set up automatic exchanges as we did with the old accounts and were told by our VG Rep that the function is no longer supported. After you...
by DSInvestor
Mon Nov 28, 2016 1:30 am
Forum: Personal Finance (Not Investing)
Topic: Should We Buy or Rent?
Replies: 48
Views: 4448

Re: Should We Buy or Rent?

It sounds like you have 500K in company stock or stock funds so you can sell to raise cash for down payment. Can you afford an 800K-1200K mortgage and the 12-20K/yr property taxes? If $1Million home with 200K down and 800K mortgage, you're looking at probably 12K/yr in property tax and 3300-3900/mon...
by DSInvestor
Mon Nov 28, 2016 1:11 am
Forum: Personal Consumer Issues
Topic: Carpet shampooers, any real good ones?
Replies: 5
Views: 458

Re: Carpet shampooers, any real good ones?

We like our hoover steam vac. Did not like the Bissels.
by DSInvestor
Mon Nov 28, 2016 1:02 am
Forum: Personal Consumer Issues
Topic: 2 Gifts each under $50
Replies: 23
Views: 2705

Re: 2 Gifts each under $50

I love Lodge Cast Iron stuff. Lodge Cast Iron skillet $18.95: https://www.amazon.com/Lodge-L8SK3-Skillet-Pre-Seasoned-10-25-inch/dp/B00006JSUA/ref=sr_1_1?s=kitchen&ie=UTF8&qid=1480312821&sr=1-1&keywords=lodge+cast+iron Lodge Cast Iron Pizza Pan $35: https://www.amazon.com/Lodge-P14P3...
by DSInvestor
Mon Nov 28, 2016 12:49 am
Forum: Personal Finance (Not Investing)
Topic: MAGI Question [Modified Adjusted Gross Income]
Replies: 6
Views: 988

Re: MAGI Question [Modified Adjusted Gross Income]

TSWNY, Traditional 401k, 403b and 457b contributions reduce your AGI and MAGI for Roth IRA purposes. Roth 401k, 403b, 457b contributions do not reduce AGI/MAGI. Just wanted to make sure that your 403b/457b contributions were Traditional and not Roth. Traditional 401k/403b/457b reduce the W-2 box 1 n...
by DSInvestor
Sun Nov 27, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Wise BGHeads - time to replace Macbook Air?
Replies: 19
Views: 836

Re: Wise BGHeads - time to replace Macbook Air?

Bestbuy tends to have MacBooks on sale this time of year. I think there were some good deals last week. Not sure if they're still available. If you decide to postpone your purchase and cannot find good deals later, you can consider buying a refurbished MacBook Air from Apple. Apple Refurbished site:...
by DSInvestor
Sun Nov 27, 2016 12:01 pm
Forum: Personal Consumer Issues
Topic: Roku 3 v. Apple TV v. ???
Replies: 44
Views: 3938

Re: Roku 3 v. Apple TV v. ???

I have Apple TV 3rd gen and a Roku 3. We mostly use the Apple TV but use the Roku 3 to watch amazon content. Both are excellent IMO. Roku has a standard style remote with buttons. Apple TV has a touch pad on the remote which takes a little getting used to.
by DSInvestor
Sun Nov 27, 2016 11:35 am
Forum: Personal Consumer Issues
Topic: Best vendor to purchase the latest Apple Macbook Pro?
Replies: 17
Views: 1632

Re: Best vendor to purchase the latest Apple Macbook Pro?

I have seen prices at Bestbuy that a lower than those offered at Apple for certain models but they only carry certain configurations. They tend to be the base config. If the configuration you want a maxed out configuration, you may need to buy that from Apple directly. 1TB SSD, 4GB on video card loo...
by DSInvestor
Sun Nov 27, 2016 1:19 am
Forum: Investing - Help with Personal Investments
Topic: Setting stop loss orders on mutual funds
Replies: 11
Views: 856

Re: Setting stop loss orders on mutual funds

Here is a link to BH thread on stop loss orders:
viewtopic.php?t=114319
by DSInvestor
Sun Nov 27, 2016 12:54 am
Forum: Investing - Theory, News & General
Topic: Any CPAs? Need to prep books for S Corp
Replies: 7
Views: 855

Re: Any CPAs? Need to prep books for S Corp

I was not an LLC but was just a straight up S-Corp. My CPA helped me setup my quickbooks accounting system, payroll and helped with all tax filings fed and state. I believe 1120S Fed and State tax returns are required. Your w-2 salary will need W-2 forms generated. The net income of your S-Corp will...
by DSInvestor
Sun Nov 27, 2016 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Investing vs Buying A Home?
Replies: 35
Views: 2533

Re: Investing vs Buying A Home?

How much are you contributing a year to 401k/403b/457b, IRA, taxable accounts? Are your 401k contributions to Roth 401k or Traditional 401k? Traditional 401k contributions would give you more take home pay than Roth 401k contributions. Do you have any student loans, credit card debt, car loans? What...
by DSInvestor
Sat Nov 26, 2016 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning to Distribution Phase
Replies: 10
Views: 1305

Re: Transitioning to Distribution Phase

Maybe receive the annual distribution to a MMF. Subtract what you need to cover taxes on the distribution and your annual expenses, then use the remainder to buy the Intermediate Term Tax exempt bond fund. This reduces the number of tax events as selling/transfering cash from your sweep or MMF does ...
by DSInvestor
Sat Nov 26, 2016 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Expedite Transactions through Vanguard Secure Email?
Replies: 9
Views: 888

Re: Expedite Transactions through Vanguard Secure Email?

You do not have to mail or fax anything in. You can create an automatic transaction to purchase the fund even if there is a frequent trading restriction on the fund. If this is just a one time purchase, create a transaction to execute on monday NOV 28 for $X repeat annually and expires NOV 30. TIP: ...
by DSInvestor
Sat Nov 26, 2016 5:12 pm
Forum: Investing - Help with Personal Investments
Topic: Should I convert to ROTH or not?
Replies: 14
Views: 1432

Re: Should I convert to ROTH or not?

Please help me understand.... When you talk about the tax bracket you're in to determine if it makes sense to convert are you using AGI? Thanks. tax bracket are based Taxable Income (1040 line 43). Taxable Income = AGI - deductions - exemptions. However, AGI may need to be considered as well. A Rot...
by DSInvestor
Sat Nov 26, 2016 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Sale date or settle date for taxes?
Replies: 2
Views: 211

Re: Sale date or settle date for taxes?

You use the trade date. Zacks - Is a Stock Sale Reportable Based on Trade Date or Settlement Date? http://finance.zacks.com/stock-sale-reportable-based-trade-date-settlement-date-9690.html Fairmark: http://fairmark.com/investment-taxation/capital-gain/stocks-and-other-securities/trade-date-and-settl...
by DSInvestor
Sat Nov 26, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions on mutual funds for a VG taxable account
Replies: 12
Views: 836

Re: Suggestions on mutual funds for a VG taxable account

Total Stock is a more versatile holding that may be a better fit for more investors than the Tax managed Balanced fund. Examples: 1) many investors may have plenty of room in tax advantaged accounts to hold their entire bond allocation so no need for muni bonds. 2) Residents of states with high inc...
by DSInvestor
Sat Nov 26, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Relocating from NY to CA for a job offer
Replies: 51
Views: 4196

Re: Relocating from NY to CA for a job offer

Does your wife currently work in NY? Hopefully you will have time to enjoy the many beautiful places in the west while you work in Silicon Valley. You'll be surprised how many friends and acquaintances I have that live in Silicon Valley and have never visited places like Yosemite National Park. They...
by DSInvestor
Sat Nov 26, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 5399

Re: Long ethernet cable or wireless?

But it does bring up the question of whether I can keep the current wired network intact and somehow attach a dedicated wireless router which would be isolated from the original router and Computer #1. In other words, it would be solely used with the laptop across the room. Obviously, this would ha...
by DSInvestor
Sat Nov 26, 2016 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions on mutual funds for a VG taxable account
Replies: 12
Views: 836

Re: Suggestions on mutual funds for a VG taxable account

got this link from a member, and doing more research online .... https://www.bogleheads.org/wiki/Tax-efficient_fund_placement I am almost understanding how this work, but i got another question, why most recommendations are to put on VTSAX and not on VTMFX VTMFX is Vanguard Tax Managed Balanced Fun...
by DSInvestor
Sat Nov 26, 2016 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Position for poss Tax Loss Harvesting in Taxable VTI VTSAX VTMFX VTCLX VTSMX
Replies: 9
Views: 412

Re: Position for poss Tax Loss Harvesting in Taxable VTI VTSAX VTMFX VTCLX VTSMX

You could exchange out of those tax managed funds and into a mix of Total Stock Market and Intermediate Term Tax Exempt VWITX Investor VWIUX Admiral. The fact that you already own Total Stock Market is a non-issue if you're buying TSM. It's not clear how much small cap you have you have into those 3...
by DSInvestor
Sat Nov 26, 2016 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Stupid question on Emergency Fund
Replies: 19
Views: 2297

Re: Stupid question on Emergency Fund

How many months' of expenses is your emergency fund? Consider posting all of your holdings like this for more discussion https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 I do hold my emergency fund in a plain old checking account with almost no interest. Lafder Right, and by holding at...

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