Search found 77 matches

by DoubleDraw
Tue Nov 03, 2015 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Funding new house down payment
Replies: 4
Views: 499

Re: Funding new house down payment

Try putting your values into taxcaster and see what it spits out. It's not quite as good as the tax software you pay for but will give you a good idea of where you would stand in different situations.
by DoubleDraw
Sun Nov 01, 2015 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Questions
Replies: 5
Views: 391

Re: Capital Gains Questions

Ok, so it would need to be 110% of last year's taxes of $12,500 since our AGI would be over $150k this year.

We need to have at least $13,750 of withholdings in 2015 or an additional $2250 over the next two months. Correct?
by DoubleDraw
Sun Nov 01, 2015 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Questions
Replies: 5
Views: 391

Re: Capital Gains Questions

As of right now it appears our tax liability would be around $11,500 but that is before any stock sales. With $40,000 of additional capital gains it would increase to $17,500. Does this change anything? As long as we are at 100% of last year's taxes (or 110% if our AGI is over $150k) we should be fi...
by DoubleDraw
Sun Nov 01, 2015 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Have?
Replies: 91
Views: 6471

Re: How Many Credit Cards Do You Have?

We have two credit cards

1) BOA 1-2-3 cash rewards - used for most everyday purchases
2) Costco Amex - used for travel (2%) and Costco purchases (1% in the store, 3% on gas)
by DoubleDraw
Sun Nov 01, 2015 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Questions
Replies: 5
Views: 391

Capital Gains Questions

We are trying to figure out our tax situation for 2015. We would like to sell some stock this year and aren’t sure what the tax implications are in terms of estimated payments etc. In 2014 our total federal taxes were ~ $12,500 but we only had about $7,500 in federal taxes withheld from our paycheck...
by DoubleDraw
Wed Aug 26, 2015 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: TLH tomorrow? Please help me decide [Tax Loss Harvesting]
Replies: 22
Views: 2264

Re: TLH tomorrow? Please help me decide

I have a Fidelity account and would be selling VTI. I don't think there is a way to avoid the 3 day settlement period for this sale. Try this: Sell VTI and immediately try to buy something else in the same account. It works. And it does not avoid the 3-day settlement period, but takes advantage of ...
by DoubleDraw
Wed Aug 26, 2015 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: TLH tomorrow? Please help me decide [Tax Loss Harvesting]
Replies: 22
Views: 2264

Re: TLH tomorrow? Please help me decide

I am wrestling with a similar problem, but on a smaller scale. How do you factor in the 3 lost days in the market when making tax loss harvesting decisions? If you had sold yesterday after the big down day you would have had to wait 3 days for your trade to clear and would have missed today, no? No...
by DoubleDraw
Wed Aug 26, 2015 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: TLH tomorrow? Please help me decide [Tax Loss Harvesting]
Replies: 22
Views: 2264

Re: TLH tomorrow? Please help me decide

I am wrestling with a similar problem, but on a smaller scale. How do you factor in the 3 lost days in the market when making tax loss harvesting decisions? If you had sold yesterday after the big down day you would have had to wait 3 days for your trade to clear and would have missed today, no? I ...
by DoubleDraw
Wed Aug 26, 2015 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: TLH tomorrow? Please help me decide [Tax Loss Harvesting]
Replies: 22
Views: 2264

Re: TLH tomorrow? Please help me decide

I am wrestling with a similar problem, but on a smaller scale. How do you factor in the 3 lost days in the market when making tax loss harvesting decisions? If you had sold yesterday after the big down day you would have had to wait 3 days for your trade to clear and would have missed today, no? Loo...
by DoubleDraw
Tue Aug 18, 2015 9:00 pm
Forum: Personal Consumer Issues
Topic: Blue Apron
Replies: 123
Views: 13760

Re: Blue Apron

We recently tried the $30 for 6 meals Blue Apron intro deal. We have been disappointed with the food. Both meals we have tried so far had a lot of bread and tasteless protein (salmon and meatballs). We cook a lot at home and make both of these dishes much much better than Blue Apron's recipe. The sa...
by DoubleDraw
Sun Jul 12, 2015 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Help with 401k choices and account cleanup
Replies: 10
Views: 654

Re: Help with 401k choices and account cleanup

Thanks for taking the time to respond! Here is a different approach. To me it seems easier than going back and amending 3 years worth of taxes. And some other comments as well. Her Student loans: (in deferment for 3 more years while she is in grad school) Why are you borrowing money for school when...
by DoubleDraw
Sat Jul 11, 2015 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k choices and account cleanup
Replies: 10
Views: 654

Re: Help with 401k choices and account cleanup

Thank you for such a detailed response! I have edited my OP with as much info as I could provide. Unfortunately, his old 401k does not seem to provide any expense ratio information we could easily find online. The two index funds were chosen because they are by far the least expensive, everything el...
by DoubleDraw
Sat Jul 11, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k choices and account cleanup
Replies: 10
Views: 654

Re: Help with 401k choices and account cleanup

sawhorse wrote:Is there no general bond fund among the options?


That is a complete list of options in his 401k. Rather limited, but at least there is a cheap SP500 and International Stock Index fund
by DoubleDraw
Sat Jul 11, 2015 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k choices and account cleanup
Replies: 10
Views: 654

Help with 401k choices and account cleanup

Emergency funds: Yes Debt: Principal Residence: $232k @ 4.25%, $1,487 PITI, ~28yrs left on a 30yr fixed mortgage Rental Property: $83k @ 3.125%, $944 PITI, ~ 8yrs left on a 15yr fixed mortgage Her Student loans: (in deferment for 3 more years while she is in grad school) $1,287 @ 3.4% $5,424 @ 3.4%...
by DoubleDraw
Thu Jan 01, 2015 5:04 pm
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 6905

Re: What did you enjoy spending money on this year?

•We splurged a bit on our honeymoon to Kauai which was quite romantic and a memory we will both have forever •3 days in the hospital for my wife when she was in a bad ski accident •I consider our nicer-than-we-need house and car to be luxury expenditures and enjoy both of them immensely! •New iPhone...
by DoubleDraw
Thu Jan 01, 2015 4:49 pm
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 249
Views: 28308

Re: What do you drive, and why?

2012 Subaru Outback 30k miles - last payment is this month!! We bought new as we had to get out of the last car quickly and there were no good deals on a used outback at the time. They are in very high demand in our area. We absolutely love it! •AWD for going skiing, which we do a lot (blizzak snow ...
by DoubleDraw
Wed Dec 31, 2014 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to make more money?
Replies: 53
Views: 6009

Re: How to make more money?

Learn how to code or a skill that is in high demand like sql or graphic design. In most positions the hiring manager won't care what education you have but rather what you have done or what you know. There are a ton of free online classes for learning these skills that you can take in your free time.
by DoubleDraw
Sun Nov 16, 2014 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Deduction Limits/Tax Question
Replies: 4
Views: 965

Re: IRA Deduction Limits/Tax Question

Thank you for your reply, Alan. We did not understand that the phaseouts were calculated separately. We will look into recharacterizing part of HIS TIRA contribution into a Roth contribution. The max deduction is desired in order to max out capital gains space under the 15% taxable income bracket. N...
by DoubleDraw
Sun Nov 16, 2014 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: IRA Deduction Limits/Tax Question
Replies: 4
Views: 965

IRA Deduction Limits/Tax Question

Hello Bogleheads, We hope you are having a good weekend and appreciate any advice you have about our situation. It would seem we misunderstood how traditional IRA deduction limits work. We both received raises this year and mistakenly thought the limits were based on taxable income but it appears th...
by DoubleDraw
Thu Jan 09, 2014 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over assets-how will affect Backdoor Roth Conversion
Replies: 18
Views: 426

Re: Rolling over assets-how will affect Backdoor Roth Conver

Epsilon Delta wrote:
Your IRAs do not affect your wifes ability to perform a backdoor Roth contribution. Only her own tIRA would affect her ability to do a backdoor Roth.


Thank you for your reply
by DoubleDraw
Thu Jan 09, 2014 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over assets-how will affect Backdoor Roth Conversion
Replies: 18
Views: 426

Re: Rolling over assets-how will affect Backdoor Roth Conver

similar question...I have a TIRA setup already but my wife does not. Would we still be able to backdoor Roth in her name if she does not roll her old 401k into a TIRA? Or would it not work if we file taxes together since I have the TIRA which only has about $13k in it? I feel lost and not sure what ...
by DoubleDraw
Fri Jan 03, 2014 8:47 pm
Forum: Personal Consumer Issues
Topic: Non-retirees: Envisioning Retirement
Replies: 62
Views: 5502

Re: Non-retirees: Envisioning Retirement

I'm 30 and love to ski, mountain bike, hike and fly fish. I am not looking forward to retiring, per se, more like looking forward to being able to be outside every day while still being productive. I imagine I will increase my volunteering time as well which I find very rewarding. Finally, I look fo...
by DoubleDraw
Thu Jan 02, 2014 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with non-retirement savings?
Replies: 13
Views: 1746

Re: What to do with non-retirement savings?

Thanks for the reply, jimb. I sent you a private message about this.
by DoubleDraw
Thu Jan 02, 2014 12:02 am
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 4943

Re: What does a Bogle TV look like?

50" Samsung DLP HDTV nearly 8 years old now - have probably seen fewer than 10 movies at the theater since purchasing it. Cost about $2k back in early 2006 but it has been worth every penny. Had to replace the bulb once for $80 and had a turning off problem that was covered under warranty. Stil...
by DoubleDraw
Wed Jan 01, 2014 11:57 pm
Forum: Personal Consumer Issues
Topic: What is your winter thermostat setting (while you are up)?
Replies: 116
Views: 10340

Re: What is your winter thermostat setting (while you are up

67 in the winter when we are home and awake - 62 when asleep

I prefer it a bit colder to save on heat but I think those temperatures are reasonable. We have a reasonably efficient home as well, which helps.
by DoubleDraw
Wed Jan 01, 2014 7:35 pm
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 10449

Re: What was your 2013 return?

23% with an 80/10/10 mix

pretty happy with that
by DoubleDraw
Wed Jan 01, 2014 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: Rent Out Condo or Sell It
Replies: 43
Views: 4043

Re: Rent Out Condo or Sell It

6 months or so ago I became a landlord and have had zero issues so far. For me, the cost of selling the home (6%) through a real estate agent was not worth avoiding some small hassles. I am in a similar situation in that my condo has negative cash flow of $100/mo. on a 15yr mortgage. Part of my thin...
by DoubleDraw
Wed Jan 01, 2014 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with non-retirement savings?
Replies: 13
Views: 1746

Re: PS:

PS: Here's an example to illustrate the equivalent return for the investment for paying extra on the mortgage: For a balance of $225,000 at 3.75% with 336 months (28. years) remaining the payment for P&I is $1082.58 per month, and the total interest paid will be $138,748. If the payment for $22...
by DoubleDraw
Sun Sep 22, 2013 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Poll: Did low-cost investing not work for you?
Replies: 25
Views: 3635

Re: Poll: Did low-cost investing not work for you?

Low cost index investing has worked well for me compared to the total stock market as I've been able to track its performance fairly closely. However, it has not been as successful for me as doing my own research and picking my own stocks. I guess the real question would be risk-adjusted performance...
by DoubleDraw
Tue Sep 10, 2013 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Thanks Bogleheads & MtgProfessor
Replies: 0
Views: 412

Thanks Bogleheads & MtgProfessor

Hello contributors to this forum. I just wanted to take a brief moment to both say thanks for helping to steer me towards mtgprofessor.com and to give a brief "trip report" of how my experience went. I recently closed on a house using a lender I found on mtgprofessor and they saved me abou...
by DoubleDraw
Tue Sep 10, 2013 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Preapproval letter versus actual loan for mortgage
Replies: 5
Views: 787

Re: Preapproval letter versus actual loan for mortgage

You definitely do not need to use the same lender that writes the preapproval letter. My advice is to talk to that local guy your parents or your boss or your friend knows first and get a preapproval letter from them since they are typically easier to get them from since they are trying to earn your...
by DoubleDraw
Fri Aug 02, 2013 3:30 pm
Forum: Personal Consumer Issues
Topic: Green Egg BBQ/Smoker
Replies: 48
Views: 4059

Re: Green Egg BBQ/Smoker

This one: http://www.amazon.com/Vision-Grills-Classic-Charcoal-Includes/product-reviews/B008O1V3FS/ref=dp_top_cm_cr_acr_txt?ie=UTF8&showViewpoints=1 is available at Costco and got some pretty good ratings on Amazon. Anyone got one? if so, what is your opinion? Call around to different Costcos. ...
by DoubleDraw
Fri Aug 02, 2013 2:26 pm
Forum: Personal Consumer Issues
Topic: Green Egg BBQ/Smoker
Replies: 48
Views: 4059

Re: Green Egg BBQ/Smoker

This one: http://www.amazon.com/Vision-Grills-Classic-Charcoal-Includes/product-reviews/B008O1V3FS/ref=dp_top_cm_cr_acr_txt?ie=UTF8&showViewpoints=1 is available at Costco and got some pretty good ratings on Amazon. Anyone got one? if so, what is your opinion? Call around to different Costcos. ...
by DoubleDraw
Mon Jul 22, 2013 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: Conflicted About Expected Lifestyle Creep
Replies: 47
Views: 6366

Re: Conflicted About Expected Lifestyle Creep

There are some great posts in this thread. Very insightful. I would make a budget and see what you feel comfortable with in terms of spending and saving. I have found that when you look at your monthly paycheck it is easier to digest than when you look at your annual income. Back into a savings numb...
by DoubleDraw
Sun Jun 23, 2013 6:26 pm
Forum: Forum Issues and Administration
Topic: Do you go to bogleheads.org with your smartphone?
Replies: 32
Views: 3174

Re: Do you go to bogleheads.org with your smartphone?

5" android screen and chrome browser = works great
by DoubleDraw
Wed May 15, 2013 11:13 pm
Forum: Personal Consumer Issues
Topic: Using full name for email - bad or good idea?
Replies: 20
Views: 5697

Re: Using full name for email - bad or good idea?

I have used firstnamelastname@gmail.com for at least 8 years now and have had no security issues that I know of. Make sure to turn 2 step verification on!

https://support.google.com/accounts/answer/180744?hl=en
by DoubleDraw
Wed May 15, 2013 11:08 pm
Forum: Personal Consumer Issues
Topic: Reno/Tahoe/Yosemite Trip
Replies: 31
Views: 1943

Re: Reno/Tahoe/Yosemite Trip

Any restaurant recommendations in north lake/south lake? We like cheap, funky and delicious not expensive and fancy.
by DoubleDraw
Wed May 15, 2013 10:16 pm
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 24680

Re: How Much Did You Spend on Your Engagement Ring??

If she doesn't have a problem with it, and you don't have a problem with it, there is no problem with it. I can't tell if she is really excited about getting a man made diamond or not. She seems to really like the idea of it being 100% conflict free, but I can't tell if she is saying she is good wi...
by DoubleDraw
Wed May 15, 2013 1:05 am
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 24680

Re: How Much Did You Spend on Your Engagement Ring??

Has anyone considered a lab or man made diamond? We are. I can afford the stone she wants in a mined diamond but that makes no sense (to me) other than her satisfaction and enjoyment and I can think of lots of more sensible luxuries that we don't indulge in. I think it is important to her to get a d...
by DoubleDraw
Wed May 01, 2013 12:20 pm
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 33096

Re: Meet Mr. Money Mustache, the man who retired at 30

@Noob - do you really think that person you quoted will act the way he thinks he will in 20-25 yrs from now? Don't you think he is at the very least on the right path by starting to save aggressively towards his goal?
by DoubleDraw
Wed May 01, 2013 12:15 pm
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 33096

Re: Meet Mr. Money Mustache, the man who retired at 30

From YEARS of experience with SEO, web traffic, etc I can assure you MMM gets substantial search traffic. I also do not agree that well-trafficked blogs don't get the bulk of their traffic from search engines. I know plenty that do. It just depends on the niche, audience, etc. I also have years of ...
by DoubleDraw
Wed May 01, 2013 12:10 pm
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 33096

Re: Meet Mr. Money Mustache, the man who retired at 30

I think it is possible to get clean search results, just use Chrome incognito mode or similar feature in another browser. The results for "swr trinity" and "get rich with blogging" do give MMM for the 4th and 1st ranked results, repectively. Not so for "lending club" o...
by DoubleDraw
Wed May 01, 2013 11:48 am
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 33096

Re: Meet Mr. Money Mustache, the man who retired at 30

You're grasping at straws here. Using Alexa to confidently assert you know anything about his web traffic is a joke . Alexa gives a general idea, but you want to get more specific? Sure, let's do that. His Google PageRank is 5 - it's a log scale system from 1 to 10, as you probably know, so 5 is ex...
by DoubleDraw
Tue Apr 30, 2013 11:51 pm
Forum: Investing - Theory, News & General
Topic: Survey of use of 'past performance' data
Replies: 22
Views: 988

Re: Survey of use of 'past performance' data

Can anyone link me to a study showing that stellar past performance over many years is either neutral or negatively correlated with future performance? I understand that it is not guaranteed and that there is a stronger connection between fees and performance, but it would seem to me that some peopl...
by DoubleDraw
Tue Apr 30, 2013 11:40 pm
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 33096

Re: Meet Mr. Money Mustache, the man who retired at 30

It appears to me that it's the "literal" readers of his blog that are either offended by him or may get into trouble because of him, but I suspect those readers (although vocal) are pretty few and far between. Many people coming to his site do so via search engines. His number one traffic...
by DoubleDraw
Tue Apr 30, 2013 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Bank mailed me letter, $5 fee starts in June
Replies: 122
Views: 7411

Re: Bank mailed me letter, $5 fee starts in June, criminal.

So I got a letter from my local bank (River Valley) yesterday stating that beginning June 1st, a monthly service fee of $5 will be billed unless I keep an "average ledger balance" of $300 or more per month for all Checking accounts. What the heck do they mean by "ledger balance"...
by DoubleDraw
Tue Apr 30, 2013 10:27 am
Forum: Investing - Theory, News & General
Topic: Meet Mr. Money Mustache, the man who retired at 30
Replies: 253
Views: 33096

Re: Meet Mr. Money Mustache, the man who retired at 30

I have read MMM on and off for the past couple years 1) Rent and real estate are quite expensive in Boulder due to the University of Colorado and constant stream of new renters willing to pay a premium to be nearby. Small homes rent for $2k/mo to students, so I would imagine a nicer family home bein...
by DoubleDraw
Mon Apr 29, 2013 7:29 pm
Forum: Investing - Theory, News & General
Topic: Question re: Apple's upcoming debt offering
Replies: 16
Views: 1650

Re: Question re: Apple's upcoming debt offering

As will shortly be evident, I'm naive about how such things work. Apple has a gazillion dollars in cash, on which it is not earning much and apparently has no acquisitions and/or projects that are worth doing. Buying back stock will quiet the stockholders who want to see the cash used to benefit th...
by DoubleDraw
Thu Apr 25, 2013 8:26 pm
Forum: Investing - Theory, News & General
Topic: Can You Ace FINRA's Financial Literacy Quiz?
Replies: 111
Views: 6687

Re: Can You Ace FINRA's Financial Literacy Quiz?

13/15 I misread the question about the relationship between bond prices and interest rates and had no idea and guessed the acronym I didn't know about insuring against stock losses. Thanks for sharing the quiz.
by DoubleDraw
Wed Apr 24, 2013 7:28 pm
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 40704

Re: Frontline--The Retirement Gamble

I agree to some extent. The bigger issue that should be addressed is that even if you do know what to invest in there are a lot of situations where you would not have access to appropriate choices in the company sponsored retirement plans. With IRA accounts capped at $5500-$6500, the $17500 tax def...

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