Search found 9280 matches

by DSInvestor
Sat Aug 27, 2016 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Effectively Contribute the Max to 401(k)
Replies: 7
Views: 655

Re: Effectively Contribute the Max to 401(k)

If you changed jobs this year, make sure that your combined contributions to both 401(k) plans do not exceed 18K for 2016 tax year. You do not want to overshoot and have an excess contribution on the employee salary deferral that you'd have to correct. Does your new plan allow for after tax non Roth...
by DSInvestor
Fri Aug 26, 2016 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to 401k W/O Match or Taxable?
Replies: 10
Views: 581

Re: Contribute to 401k W/O Match or Taxable?

If you had a 401k at your old job be aware that both 401k plans share the 18K limit. So if you've already contributed $5,000 to the old 401k for tax year 2016, you only have 13K of contribution room in your new 401k for the same 2016 tax year.
by DSInvestor
Fri Aug 26, 2016 8:56 pm
Forum: Personal Consumer Issues
Topic: Upcoming Road Trip Restaurant Recommendations
Replies: 16
Views: 921

Re: Upcoming Raod Trip Restaurant Recommendations

If you drive through Hoboken NJ, check out La Isla Restaurant for Cuban food. If in the mood for a sandwich, visit Vito's Deli also in Hoboken.
by DSInvestor
Wed Aug 24, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Conversion or Tax Gain Harvest?
Replies: 7
Views: 732

Re: Roth Conversion or Tax Gain Harvest?

Is there a "best" combination of Roth converting and harvesting given these circumstances? QDI and LTCG receive preferential tax treatment and get 0% Fed Tax rate up to the top of the 15% brackets. Roth conversion income is ordinary income. Ordinary income is stacked under the QDI/LTCG an...
by DSInvestor
Wed Aug 24, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Early Withdrawals: 55 Rule and SEPP clarification
Replies: 8
Views: 630

Re: Early Withdrawals: 55 Rule and SEPP clarification

I believe 401k plans allow for penalty free withdrawal after separation from service after age 55, if you keep the 401k assets in the 401k plan. Roll the 401k assets into IRA and you lose this feature. If your new arrangement is as an independent contractor, this may be a good option. See Forbes' Di...
by DSInvestor
Wed Aug 24, 2016 3:40 pm
Forum: Personal Consumer Issues
Topic: Internet security: which is the lesser of 2 evils?
Replies: 39
Views: 2839

Re: Internet security: which is the lesser of 2 evils?

What about using your cell phone while not connected to wifi but connected to LTE/4G network?
by DSInvestor
Wed Aug 24, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Cutting the Cord - Playstation Vue
Replies: 14
Views: 1019

Re: Cutting the Cord - Playstation Vue

So from $120/mo with no movie channels, we are now paying $45 Playstation Vue + $15 HBO Go. I think once this week trial ends, we are going to cut it but wanted to see what everyone's experience been with Vue or any other services! Does that $120/month include internet access? How much would intern...
by DSInvestor
Mon Aug 22, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Subaru - New 2016 or Used 2014 (25k miles)
Replies: 29
Views: 2078

Re: Subaru - New 2016 or Used 2014 (25k miles)

I agree with other posters that for 2K price difference, the new car is better option (zero miles, full warranty). BTW, we have two white cars with tan interiors that we use for road trips with our dog to beach, mountains, desert (Southern Utah) etc. The light interior holds up really well. I just b...
by DSInvestor
Sun Aug 21, 2016 9:28 pm
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 4835

Re: High RMD’s, would you do anything different?

If we had to do over, instead of funding so much in the 403b which had no employer match, we would have filled both ROTHs each year first with earned income. If we had started funding ROTHs in 1997 when they first became an option, our heirs would be much better off. Don't forget that even though y...
by DSInvestor
Sun Aug 21, 2016 10:11 am
Forum: Personal Consumer Issues
Topic: Does downgrading credit card count towards Chase 5/24 rule?
Replies: 4
Views: 599

Re: Does downgrading credit card count towards Chase 5/24 rule?

I don't use chase credit cards but when I changed credit card types at Citibank from Citi thankyou rewards Mastercard to Citi DoubleCash Mastercard, the new card had exactly the same card number as the old card. Perhaps the switch at Chase would work the same way. If account numbers are the same, yo...
by DSInvestor
Sat Aug 20, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: How can I buy VBIAX [Vanguard Balanced Index Admiral]
Replies: 12
Views: 1590

Re: How can I buy VBIAX [Vanguard Balanced Index Admiral]

Just a normal taxable account The Vanguard Balanced Index is not a tax efficient fund as 40% of the fund holds taxable bonds and the income from those bonds will be taxed as ordinary income for Fed and state income taxes purposes. If you're a high tax bracket investor, consider more tax efficient o...
by DSInvestor
Fri Aug 19, 2016 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: tIRA basis tracking and rollover into individual 401k
Replies: 4
Views: 248

Re: tIRA basis tracking and rollover into individual 401k

Actually, you rollover the pre-tax first leaving only the basis. Then you can roll the basis to a Roth IRA. Call your i401k provider, they can help you with this. Note: Vanguard i401k does not allow incoming IRA rollovers. If OP knows from 8606 forms exactly what the basis is, perhaps he can conver...
by DSInvestor
Fri Aug 19, 2016 4:13 pm
Forum: Personal Consumer Issues
Topic: Cell phone data plans
Replies: 62
Views: 5649

Re: Cell phone data plans

Got my 1st smart phone (Moto G4) on Aug 26 and decided on Cricket’s $40, 2.5 GB plan. So far I’ve used a whopping 53.84 MB. :shock: I’m not one to surf the web while waiting for a bite while fishing, and at home and in stores or whatever always try to connect to their wi-fi. One issue though, is th...
by DSInvestor
Fri Aug 19, 2016 2:25 pm
Forum: Investing - Theory, News & General
Topic: High RMD’s, would you do anything different?
Replies: 54
Views: 4835

Re: High RMD’s, would you do anything different?

You should continue to contribute to retirement accounts and max out annual contribution limits. If you really want to give up the 24K tax deduction offered by 401k contributions and you have some assets in 401k/403b/TSP and some in rollover IRAs, you can elect to convert some to Roth IRA each year....
by DSInvestor
Fri Aug 19, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Favorite Restaurant Stop on Road Trips
Replies: 141
Views: 8864

Re: Favorite Restaurant Stop on Road Trips

In Missoula Montana, we loved Greek Gyros and Pastries. Just west of Yosemite National Park in Groveland, CA, Kevin and Randi's Old Fashioned Meat Market - great sandwiches and meat. We got some incredible pork chops there that we cooked up in Redwoods NP. BBQ joints in Memphis like Cozy Corner and ...
by DSInvestor
Fri Aug 19, 2016 9:52 am
Forum: Personal Consumer Issues
Topic: Unlimited Data Plans
Replies: 5
Views: 601

Re: Unlimited Data Plans

In order to do this, you'd have to activate the personal hotspot to make your phone your WiFi router. Make sure you check to see if there is a data limit on the personal or mobile hotspot feature. I currently have T-Mobile unlimited data and I have a 7GB limit on mobile hotspot per month. You could ...
by DSInvestor
Thu Aug 18, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: TaxCaster Interface
Replies: 18
Views: 737

Re: TaxCaster Interface

I don't like it. It seems to force you through lots of fields like taxable wages, taxes withheld, state taxes withheld and again for spouse where the old program would let you jump directly into the fields you want like Capital gains or IRA distribution and see results quickly. The new version is st...
by DSInvestor
Thu Aug 18, 2016 9:44 am
Forum: Investing - Help with Personal Investments
Topic: How can I buy VBIAX [Vanguard Balanced Index Admiral]
Replies: 12
Views: 1590

Re: How can I buy VBIAX [Vanguard Balanced Index Admiral]

Just a normal taxable account The Vanguard Balanced Index is not a tax efficient fund as 40% of the fund holds taxable bonds and the income from those bonds will be taxed as ordinary income for Fed and state income taxes purposes. If you're a high tax bracket investor, consider more tax efficient o...
by DSInvestor
Sat Aug 13, 2016 10:56 am
Forum: Personal Consumer Issues
Topic: Advice on visit to Yosemite
Replies: 34
Views: 2523

Re: Advice on visit to Yosemite

Go to glacier point for a nice view. Then go back to glacier point at 1am to star gaze. Its incredible. May want to check what cycle the moon is in. If its a new moon you'll be in for a treat...you can see the milky way with your naked eyes! If going to Glacier Point, make sure to visit Taft Point ...
by DSInvestor
Fri Aug 12, 2016 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: How many credit cards are too many?
Replies: 57
Views: 3585

Re: How many credit cards are too many?

I have 3 credit cards and my credit score is over 800. I wouldn't want any more cards.
by DSInvestor
Mon Aug 08, 2016 4:49 pm
Forum: Personal Consumer Issues
Topic: auto air conditioner recharge
Replies: 15
Views: 1421

Re: auto air conditioner recharge

I think the newer systems use much less refrigerant than older systems which makes it easy to overcharge. If you over charge a system, you may cause the compressor not to turn on at all and make it worse. I thought my car AC was a little weak so I tried to charge up a car when it was 75F outside usi...
by DSInvestor
Sun Aug 07, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard total bond market ETF expense ratio (BND)
Replies: 14
Views: 519

Re: Vanguard total bond market ETF expense ratio (BND)

Vanguard Total Bond Market Index fund has several share classes: Investor shares VBMFX er=0.16% Admiral shares VBTLX er=0.06% ETF shares BND er=0.06% There will likely be transaction fees if you purchase these funds/ETFs outside of Vanguard. At most brokerages (other than Vanguard), the transaction ...
by DSInvestor
Sat Aug 06, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: Cell phone and Carrier for Vancouver BC
Replies: 5
Views: 367

Re: Cell phone and Carrier for Vancouver BC

You need to get on the smart plan ($50/month 45 with autopay) or higher to get free canada/Mexico roaming. Enable roaming on your phone to allow it to connect to Canadian providers like Telus, Rogers, Wind etc.
by DSInvestor
Fri Aug 05, 2016 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Individual Roth 401k
Replies: 5
Views: 467

Re: Individual Roth 401k

If you don't have traditional IRA assets, you can do a backdoor Roth IRA contribution. Even if you do, you could roll those assets into the i401k and then do a backdoor Roth IRA contribution. Spirit, I don't think normal backdoor into Roth IRA (i.e. Traditional IRA contribution followed by Roth con...
by DSInvestor
Fri Aug 05, 2016 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA / Start-up 401K options
Replies: 2
Views: 159

Re: SEP IRA / Start-up 401K options

If it is just you, your colleague, your spouses, with no employees, consider Solo 401k. If there will be other employees, solo 401k is not an option. SEP-IRA contributions are employer contributions only and the contribution percentage must be the same for all SEP-IRA plan participants. Solo 401k pl...
by DSInvestor
Fri Aug 05, 2016 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Struggling with maxing out Roths. Advice?
Replies: 40
Views: 1961

Re: Struggling with maxing out Roths. Advice?

This quote" "the Roth space is lost forever if not utilized." Had me curious. (and, a little worried) So, it's not lost forever, but just for the tax year up until 4/15. After that, you have to wait for the next tax year, is that right? Some people just interpret "forever" ...
by DSInvestor
Fri Aug 05, 2016 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Individual Roth 401k
Replies: 5
Views: 467

Re: Individual Roth 401k

I suggest calling the small business group at Vanguard to discuss Individual 401k for details about eligibility and RMD. Vanguard's plan has the Roth option. Keep in mind that Roth Individual 401k is really a Traditional 401k with a Roth option for the employee salary deferral contribution 18K. The ...
by DSInvestor
Thu Aug 04, 2016 10:08 pm
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 4327

Re: Where to find common items that last "forever"

I like darn tough socks which have a lifetime warranty.
http://darntough.com
by DSInvestor
Thu Jul 28, 2016 2:04 am
Forum: Investing - Help with Personal Investments
Topic: taxable account vs. extra principal payment
Replies: 14
Views: 1235

Re: taxable account vs. extra principal payment

My wife has no plan thru employment. And yes, our respective TIRA's are non-deductible and we submit 8606's for each of us yearly. I'm figuring to do a Roth conversion in retirement, when our tax bracket will drop. Otherwise it would be too costly to convert in our current bracket. Conversion of IR...
by DSInvestor
Sun Jul 24, 2016 10:42 am
Forum: Investing - Help with Personal Investments
Topic: taxable account vs. extra principal payment
Replies: 14
Views: 1235

Re: taxable account vs. extra principal payment

Does your wife have an employer plan and is she maxing that out? You mentioned your 401k and 2 IRA contributions in your OP. Availability of an employer plan for her may affect recommendations on what to do with that extra cash flow. If you're in 33% Fed tax bracket, your taxable income (line 43 on ...
by DSInvestor
Sat Jul 23, 2016 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Quick Taxcaster question.
Replies: 3
Views: 272

Re: Quick Taxcaster question.

tbradnc wrote:BTW, I believe non-qualified dividends are entered under "Misc income" according to the 'help bubble'.

Yep, that would work. The key is to enter that in a field that is treated as ordinary income.
by DSInvestor
Sat Jul 23, 2016 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Quick Taxcaster question.
Replies: 3
Views: 272

Re: Quick Taxcaster question.

Other Income->IRA Distributions. If you have IRA basis, enter the taxable amount of the conversion/withdrawal.

Note that the dividends field are treated as Qualified Dividend Income. If you have non-qualified dividend income, enter that in the interest field.
by DSInvestor
Sat Jul 23, 2016 1:07 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) rollover to solo 401(k)-who'll accept???
Replies: 18
Views: 1026

Re: 401(k) rollover to solo 401(k)-who'll accept???

i am a small business owner (landlord/RE investor). How is your self employed income reported on your tax return? If your business is incorporated paying you a W-2 salary or you're schedule C sole proprietor, you should be good for solo 401k as long as you do not have employees. If schedule E, mayb...
by DSInvestor
Fri Jul 22, 2016 11:55 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 3372

Re: Canada vacation

Do not carry firearms or other weapons into Canada. Make sure nobody in the car has a record of DUI or assault. People with DUI will not be allowed to enter Canada. Check your credit cards to see what foreign transaction fees they charge. Many charge 3%. I use a Capital One Quicksilver VISA card for...
by DSInvestor
Fri Jul 22, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs SEP IRA for my 28-year old son
Replies: 6
Views: 397

Re: Roth vs SEP IRA for my 28-year old son

He should consider Solo 401k instead of SEP-IRA. Solo 401k would offer the option for larger contributions on lower incomes because it allows for 2 types of contributions: 1. Employer profit share which is calculated the same way as SEP-IRA 2. Employee salary deferral 18K. If SEP-IRA would allow for...
by DSInvestor
Wed Jul 20, 2016 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: IRS questioning my backdoor roth?
Replies: 46
Views: 5679

Re: IRS questioning my backdoor roth?

You need to make sure that you entered your Traditional IRA contributions into turbotax 2013 and 2014. If you do not enter these contributions, there is no basis recorded in your 8606 forms and the 11K conversion will be taxable.
by DSInvestor
Wed Jul 20, 2016 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Costco Citi price rewind
Replies: 11
Views: 1409

Re: Costco Citi price rewind

Pharmacist wrote:This sounds pretty neat. I have the Citi double cash card... might try it for purchases over 50-100 dollars. Does the money get credited to your statement or added to your cash back reward balance?


The price rewind can be paid to you by check or as a statement credit.
by DSInvestor
Tue Jul 19, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with a bit of extra money each month? (UPDATED)
Replies: 41
Views: 3101

Re: What to do with a bit of extra money each month?

I would also suggest contributing to 403b. If you don't do the 403b, consider using some of that $400/month to make extra principal payments on the house. You mentioned moving to another house also in the SF bay area in 20 years. This move may result in a much higher level of property tax. Prop 13 i...
by DSInvestor
Tue Jul 19, 2016 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Moving managed fund from taxable account to tax-advantaged account
Replies: 4
Views: 493

Re: Moving managed fund from taxable account to tax-advantaged account

$14 of ST capital gains is taxed at your marginal tax rates fed and state. $190 LT capital gain is taxed at 0% Fed if it falls in 15% bracket or lower, 15% of 25% or higher. Your state will treat the LTCG as ordinary income and tax it at your state marginal rates. If you were in the 25% tax bracket,...
by DSInvestor
Tue Jul 19, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Owning vs. renting Content
Replies: 11
Views: 1306

Re: Owning vs. renting Content

But there's another issue, I'm a fan of some rather obscure music and movies - and these are not carried by some of the more popular subscription services....according to my daughter, this means the day will come when I can no longer enjoy them because whatever copy i have now will not be compatibl...
by DSInvestor
Tue Jul 19, 2016 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Costco Citi price rewind
Replies: 11
Views: 1409

Re: Costco Citi price rewind

I have used the CitiPriceRewind feature and I like it. It is really easy to register a purchase with the service. I have received quite a few refunds using it. Most recently I bought a satellite 2 way communicator in April and REI put it on sale a few weeks later. I got $95 back on that item. The se...
by DSInvestor
Tue Jul 19, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: Owning vs. renting Content
Replies: 11
Views: 1306

Re: Owning vs. renting Content

There is a movie service called Vudu which offers disk to digital which takes a DVD disk and converts to an online format that you can access via streaming or download. Vudu app is available on Roku and iPad. The iPad app allows you to download the content that you own so you can watch it even if yo...
by DSInvestor
Mon Jul 18, 2016 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with Vanguard direct deposit
Replies: 15
Views: 944

Re: Need help with Vanguard direct deposit

I would not direct deposit from employer into IRA. IMO it is better to have direct deposit of paycheck to the checking account (very common) and then have Vanguard pull the money via ACH from the checking acct into the Vanguard account (also very common). This way, if you need to make adjustments, y...
by DSInvestor
Mon Jul 18, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: making VWINX (Wellesley inc) portfolio out of vanguard funds
Replies: 40
Views: 2664

Re: making VWINX (Wellesley inc) portfolio out of vanguard funds

I see so much in the forum how not to put Wellesley in your taxable accounts, so i guess i'm just curious what the tax efficient alternative? If Wellesley will not be your entire portfolio, hold it in your tax advantaged accounts to the extent that you have space. Hold tax efficient funds in your t...
by DSInvestor
Sun Jul 17, 2016 11:15 pm
Forum: Personal Consumer Issues
Topic: Orlando Disney Parks
Replies: 41
Views: 3142

Re: Orlando Disney Parks

I would not visit Disney Orlando in August even if you paid me. It might be more comfortable at one of their water parks or take breaks in the pool.
by DSInvestor
Sun Jul 17, 2016 5:56 pm
Forum: Investing - Theory, News & General
Topic: My Two Favorite Tax Free Bond Funds
Replies: 7
Views: 1502

Re: My Two Favorite Tax Free Bond Funds

Note that the tax exempt bond funds are only tax exempt for the income. Capital gains tax applies if you sell shares for a net gain. If holding a national tax exempt bond fund, your state may tax that income. Tax exempt interest is counted when calculating the the amount of social security benefits ...
by DSInvestor
Sun Jul 17, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 6224

Re: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]

Update: Again, thank you so much for the advice. We have an electric stove, microwave, and we have electric dryer. I walked down all the duct-work that I could and I discovered 2 massive gaps between ducts each about an inch and a half wide where cold air was just pouring out of. I used the metalli...
by DSInvestor
Sun Jul 17, 2016 4:16 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 6423

Re: What's up with 4K tv? Should I buy one?

[Post removed --admin LadyGeek] [Response to removed post --admin LadyGeek] , I was under the impression that the standard CD encoding is 44,100 times per second 16 bits per sample per channel. 44,100 X 2 X 16 = 1,411,200 bits per second. Are you working with a different CD encoding that results in...
by DSInvestor
Sun Jul 17, 2016 1:02 am
Forum: Personal Consumer Issues
Topic: Who do you not tip, and why?
Replies: 57
Views: 4690

Re: Who do you not tip, and why?

You may enjoy this Planet Money Podcast - Why do we tip?
http://www.npr.org/sections/money/2011/ ... -do-we-tip
by DSInvestor
Sun Jul 17, 2016 12:41 am
Forum: Personal Consumer Issues
Topic: Samsung Galaxy S4 Portable Battery
Replies: 4
Views: 492

Re: Samsung Galaxy S4 Portable Battery

Doesn't the Galaxy have a user replaceable battery? If so, get a second battery and a spare battery charger. Maybe chuck the old battery and get two replacements plus charger. Spare / replacement battery: https://www.amazon.com/Samsung-Replacement-Standard-Internal-Warranty/dp/B0123MKMI2/ref=sr_1_1?...

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