Search found 594 matches

by TIAX
Sat Mar 25, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Moving from 1099 to w2, what to do with an i401k and retirement saving options
Replies: 5
Views: 246

Re: Moving from 1099 to w2, what to do with an i401k and retirement saving options

It would have to be really bad to invest in a taxable account over contributing to an employer 401k. grabiner has a rule of thumb formula which slips my mind at the moment, but even in my work 401k where I'm paying a total of 1.6% in ERs and admin expenses, it still works out better than a taxable ...
by TIAX
Fri Mar 24, 2017 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Fund changes - A little help?
Replies: 5
Views: 335

Re: Vanguard Fund changes - A little help?

Evidently they are doing some moves by me and making changes so wanted to pick the forums' brain to see if any concern or perhaps a To -> from 1) They are changing from Vanguard TSM Institutional Plus to Vanguard Institutional Total Stock Market Index Trust..same ER (.02). Anyone know about this Tr...
by TIAX
Thu Mar 23, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 2576

Re: Why did my fund GO UP so much?

This is another reason why you should only invest in admiral funds.
by TIAX
Wed Mar 22, 2017 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Corrected 1099
Replies: 4
Views: 356

Re: Vanguard Corrected 1099

thanks tiax. just found this post as well, appears to be same/similar issue. i have sent a secure message, i guess i will call to get it escalated as well. https://www.bogleheads.org/forum/viewtopic.php?t=213035 Try to have someone from Vanguard's "Executive Response Team" handle this iss...
by TIAX
Tue Mar 21, 2017 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Corrected 1099
Replies: 4
Views: 356

Re: Vanguard Corrected 1099

This has happened twice to me now. Apparently, Vanguard makes this mistake on a regular basis (issues an incorrect "corrected" 1099-B, changing the cost basis method from SpecID to FIFO for no reason). You'll need to call and escalate this up the chain. Vanguard will need to issue another ...
by TIAX
Tue Mar 21, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plans in a New Small Business
Replies: 6
Views: 361

Re: Retirement Plans in a New Small Business

Stan Dup wrote:So, the employer portion of a solo 401k seems like the best option? Allowing me to save up to 20% of my total income between the two jobs?

You will only be able to save around 20% of the startup's net income, not your W2 job.
by TIAX
Mon Mar 20, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard fund managed by Legg Mason
Replies: 1
Views: 363

Vanguard fund managed by Legg Mason

Vanguard recently announced an advisor change to Explorer Fund and, toward the end, it states: About ClearBridge ClearBridge managed approximately $120 billion in assets across 32 domestic, international, global, and specialty equity strategies as of February 28, 2017. The firm is an independently m...
by TIAX
Sun Mar 19, 2017 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 212
Views: 38755

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

The moral of the story, as hard as it is, I would let it go. There is nothing to gain by suing him. Sure, he deserves to be jailed, but really what he did was he saw an out for his financial situation by stealing from your mother. The money is gone and it isn't coming back. You are going to have yo...
by TIAX
Sun Mar 19, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 2016 purchase source
Replies: 88
Views: 12173

Re: Turbo Tax 2016 purchase source

TurboTax Deluxe 2016 Tax Software Federal & State + Fed Efile PC download now $35.79 on Amazon.
by TIAX
Sun Mar 19, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Out of the norm all-equity portfolio to compliment pensions
Replies: 13
Views: 480

Re: Out of the norm all-equity portfolio to compliment pensions

It may be helpful if you post your salaries, how much you have in your 403(b)s, and information about your pensions (when you become vested, how much it will be, whether the pensions are funded, etc.).
by TIAX
Thu Mar 16, 2017 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: 1st Request; Post-Retirement Plan Critique
Replies: 25
Views: 1835

Re: 1st Request; Post-Requirement Plan Critique

I picked (perhaps wrongly) the Extended Market Funds because it contained both Mid & Small Caps and that the historical 10 year returns looked better than the individual Mid and small cap index funds ( I could be wrong here ). I Did however notice that every time I do a portfolio analysis, it t...
by TIAX
Thu Mar 16, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: I can't contribute to my 401(k) due to "safe harbor" rules
Replies: 15
Views: 1667

Re: I can't contribute to my 401(k) due to "safe harbor" rules

Safe harbor rules have nothing to do with when you can start contributing. Your employer can amend the plan document and allow immediate contributions. It's unfortunate that so many employers do this. There's really no reason for it and any cost savings are minimal. For example, Employee Fiduciary'...
by TIAX
Thu Mar 16, 2017 9:46 am
Forum: Investing - Help with Personal Investments
Topic: I can't contribute to my 401(k) due to "safe harbor" rules
Replies: 15
Views: 1667

Re: I can't contribute to my 401(k) due to "safe harbor" rules

Safe harbor rules have nothing to do with when you can start contributing. Your employer can amend the plan document and allow immediate contributions. It's unfortunate that so many employers do this. There's really no reason for it and any cost savings are minimal. For example, Employee Fiduciary's...
by TIAX
Thu Mar 16, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) Traditional vs Roth
Replies: 26
Views: 1559

Re: 401(k) Traditional vs Roth

What's your state income tax? What will be your state income tax in retirement?
by TIAX
Thu Mar 16, 2017 8:53 am
Forum: Investing - Help with Personal Investments
Topic: 1st Request; Post-Retirement Plan Critique
Replies: 25
Views: 1835

Re: 1st Request; Post-Requirement Plan Critique

Write checks for non-discretionary debts Use cash-back CC for discretionary debts and pay off in full monthly. Wy not use cash-back CC for everything? His: VFIAX Vg 500 Index Fund Admiral Shares 281k 25.2% VEXAX Vg Extended Market Index Fund Admiral Shares 168k 15% A minor point but why do you have...
by TIAX
Tue Mar 14, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: VIIIX at 0.02% + fees or Taxable VFIAX at 0.05% (plus taxes)
Replies: 14
Views: 727

Re: VIIIX at 1.02% or Taxable VFIAX at 0.05% (plus taxes)

Plan administrative fee to cover expenses: • If you have an account balance over $6,700 at quarter-end, you will be charged $16.75 each quarter ($67 annually). • If you have an account balance below $6,700 at quarter-end, you will be charged 0.25% of the account balance each quarter (capped at 1% a...
by TIAX
Tue Mar 14, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: VIIIX at 0.02% + fees or Taxable VFIAX at 0.05% (plus taxes)
Replies: 14
Views: 727

Re: VIIIX at 1.02% or Taxable VFIAX at 0.05% (plus taxes)

After I received the info on fees and charges, I noticed T. Rowe Price charges an additional 0.2 to 1% per year, making expenses to about 0.22% - 1.02% a year. It is pretty high. What does 0.2 to 1% mean? Is it different for different funds? List all the funds available and their total expense rati...
by TIAX
Tue Mar 14, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing Tax-Advantaged Savings when only working for part of the year
Replies: 16
Views: 602

Re: Maximizing Tax-Advantaged Savings when only working for part of the year

Make a payment to your student loans before the end of the year to maximize the student loan interest deduction (your income will be too high in future years).
by TIAX
Wed Mar 08, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Which foreign fund(s) for a 401k?
Replies: 1
Views: 87

Re: Which foreign fund(s) for a 401k?

Hi. 2 questions; 1) from the funds below, which would you recommend as the 1 or 2 (possibly 3?) choices to add to a 401k plan? We want at least 2 (possibly 3) so as to giver participants a decent choice, and 2) which 1 fund would you most recommend actually investing in? I like the Oppenheimer Inte...
by TIAX
Wed Mar 08, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 4475

Re: Buying a rental car.. Any new experience?

I think your fears of "nefarious" behavior occurring in rental cars is overblown, but in any event I'm not concerned about "nefarious" behavior going on in the car, as long as the car is fine. Would "nefarious" behavior in a rental be, for example, a getaway car in a b...
by TIAX
Wed Mar 08, 2017 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 71
Views: 9005

Re: Just laid off - what to do

If I use my current insurance, am I liable for full year out-of-pocket and other expenses for 2017? If I signup for COBRA or any other insurance, how my current expenses will be considered. Do these expenses reset for each insurance coverge. In that case, am I better off not to get any medical expe...
by TIAX
Tue Mar 07, 2017 10:45 pm
Forum: Personal Consumer Issues
Topic: Buying a rental car.. Any new experience?
Replies: 76
Views: 4475

Re: Buying a rental car.. Any new experience?

Do you really think a one-owner vehicle has the same likelihood of experiencing these issues as a rental car driven by 120 different non-owners? You're assuming that with one owner, you can meet the owner and tell how good of a driver he or she is (or believe the dealer that the owner was a little ...
by TIAX
Mon Mar 06, 2017 10:53 am
Forum: Investing - Theory, News & General
Topic: Tata MF in talks with Vanguard, Allianz for stake sale
Replies: 3
Views: 505

Tata MF in talks with Vanguard, Allianz for stake sale

http://www.moneycontrol.com/news/mf-news/tata-mftalksvanguard-allianz-for-stake-sale-report_8598181.html The conglomerate is in talks with Vanguard Group and Allianz SE to sell a 26-49 percent stake in Tata Asset Management, according to a report in Mint. Has Vanguard ever taken a stake in another ...
by TIAX
Sun Mar 05, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Should federal employee communicate 18 months to retirement?
Replies: 44
Views: 3164

Re: Should federal employee communicate 18 months to retirement?

mortfree wrote:I would give them the minimum amount of notice required to retire.

18 months is a long time. A lot can happen - good/bad.

You're in the middle of a re-org; they find out now and you might be out sooner (?)

Agreed. What possible benefit is there to letting them know early?
by TIAX
Sun Mar 05, 2017 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 71
Views: 9005

Re: Just laid off - what to do

You might get more helpful answers if you tell us your profession, age, debts, retirement savings, etc.
by TIAX
Sun Mar 05, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 5039

Re: Windfall: should we pay cash for ~$1.3M home?

Exactly right. Much of the discussion on this forum is about retiring as early as possible with sufficient assets to maintain a particular lifestyle. OP can possibly retire now and can certainly semi-retire. Not everyone hates working though. Are there things I don't like about my job? Definitely. ...
by TIAX
Sun Mar 05, 2017 1:46 am
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 5039

Re: Windfall: should we pay cash for ~$1.3M home?

Ha. This thread is exactly what I dislike about this forum. The OP said they are not interested in moving yet half the responses are to move. Some people don't have the ability to view situations from a different perspective. For the OP I'd use 20-50% on a house and invest the rest. It's a message ...
by TIAX
Sat Mar 04, 2017 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Portfolio by Advisor
Replies: 26
Views: 1403

Re: Emergency Fund Portfolio by Advisor

I will call Monday and figure out the logistics, can i assume there will not be any tax consequences given i move moeny from rollover ira to 401K? Our adviser did mention this but said as we have Rollover IRAs, we need to move those back to existing employer 401Ks before 'backdoor' ROth, else huge ...
by TIAX
Sat Mar 04, 2017 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 5039

Re: Windfall: should we pay cash for ~$1.3M home?

Ha. This thread is exactly what I dislike about this forum. The OP said they are not interested in moving yet half the responses are to move. Some people don't have the ability to view situations from a different perspective. If someone asks whether they should buy a red Lamborghini or a yellow Lam...
by TIAX
Sat Mar 04, 2017 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 5039

Re: Windfall: should we pay cash for ~$1.3M home?

Our gross income is currently around $130k, with solid but not exceptional prospects for growth. Annual spending is $65k. 130k is not a very good salary for the Bay Area so, at least from a financial perspective, there should be nothing keeping you there. Take your 1.6M (1.3M inheritance and 300k i...
by TIAX
Sat Mar 04, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Portfolio by Advisor
Replies: 26
Views: 1403

Re: Emergency Fund Portfolio by Advisor

Our adviser did mention this but said as we have Rollover IRAs, we need to move those back to existing employer 401Ks before 'backdoor' ROth, else huge tax hits or complications, he says it's not worth it...your thoughts? It's not worth it to fill out a form and send it to your IRA custodian? That'...
by TIAX
Sat Mar 04, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA phase out and recharacterizations
Replies: 6
Views: 420

Re: Roth IRA phase out and recharacterizations

In the future, if you think there's any chance you'll be close to the phase out, use the backdoor.
by TIAX
Fri Mar 03, 2017 11:17 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade lowers commission fees
Replies: 6
Views: 693

Re: TD Ameritrade lowers commission fees

Jack FFR1846 wrote:Fidelity and Schwab are $4.95

Some people are stuck with TD Ameritrade through a 401(k) or HSA brokerage window.
by TIAX
Fri Mar 03, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: TD Ameritrade lowers commission fees
Replies: 6
Views: 693

Re: TD Ameritrade lowers commission fees

TDAmeritrade had commissions? Who knew? It doesn't look like they lowered the price of failing to follow their no-commission rules with ETFs. Perhaps this is only relevant to people who buy VXUS at TD Ameritrade. On a related note, people should email TD Ameritrade and ask them to add VXUS to their...
by TIAX
Fri Mar 03, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Actual physical ATM access internationally, and then changing notes
Replies: 26
Views: 1145

Re: Actual physical ATM access internationally, and then changing notes

Have you considered using a no transaction fee credit card like the Capital One Quicksilver?
by TIAX
Fri Mar 03, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: TD Ameritrade lowers commission fees
Replies: 6
Views: 693

TD Ameritrade lowers commission fees

For those who still pay commission fees, TD Ameritrade has lowered their commission fees from $9.99 to $6.95.
by TIAX
Sun Feb 26, 2017 9:31 am
Forum: Investing - Help with Personal Investments
Topic: MyRA for Vacation Savings - Rollover Issue?
Replies: 12
Views: 795

Re: MyRA for Vacation Savings - Rollover Issue?

MyRA is just a waste of Roth space.
by TIAX
Sun Feb 26, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Have Fidelity account- adding Vanguard 3 fund plan- stay at Fidel
Replies: 35
Views: 2038

Re: Have Fidelity account- adding Vanguard 3 fund plan- stay at Fidel

Jackson12 wrote:Here's my question: although the advisor suggested we move to Vanguard, partly because he likes a particular Admiral class advisor there, is there any financial disadvantage to staying with Fidelity in terms of service and fees?

Do you mean a flagship rep? If so, who cares about flagship reps?
by TIAX
Sat Feb 25, 2017 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: $200 Emergency Visit Copay Waiver?
Replies: 49
Views: 3441

Re: $200 Emergency Visit Copay Waiver?

kjvmartin wrote:I'm eager to air this out in small claims.

You may want to read up on ERISA preemption. :happy
by TIAX
Fri Feb 24, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Stay at home wife 401k question
Replies: 13
Views: 573

Re: Stay at home wife 401k question

I'm in the same boat (but over 50, so $6500 each into Roth). Wife is a per diem nurse with no benefits working a couple shifts a month. I do no shenanigans and simply have my federal tax refund in paper iBonds and put money into a taxable account at Schwab, using ETFs. A solo 401(k) isn't a shenani...
by TIAX
Fri Feb 24, 2017 2:12 am
Forum: Investing - Help with Personal Investments
Topic: HSA vs PPO - Sanity Check
Replies: 12
Views: 1302

Re: HSA vs PPO - Sanity Check

RichN wrote:This would leave $3400-$1585 = $1,815 in my HSA account at the end of the year.

It sounds like you can afford the medical spending so you should, instead, save your receipts, invest as much as possible in the HSA, and consider withdrawing from the HSA after you retire.
by TIAX
Thu Feb 23, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: HDHP (High Deductible Health Plan) via ACA for self-employed, HNW?
Replies: 3
Views: 291

Re: HDHP (High Deductible Health Plan) via ACA for self-employed, HNW?

You should first shop around and provide us various options for ACA and HDHP coverage. In general, considering your net worth, you won't have any trouble paying the $6400 max out of pocket if necessary.
by TIAX
Thu Feb 23, 2017 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: $200 Emergency Visit Copay Waiver?
Replies: 49
Views: 3441

Re: $200 Emergency Visit Copay Waiver?

Ask your employer or insurer for the plan document (usually a 100+ page document), sometimes called the Certificate of Coverage, and see if admission is defined.
by TIAX
Thu Feb 23, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out 401k, IRA, and HSA?
Replies: 23
Views: 1638

Re: What to do after maxing out 401k, IRA, and HSA?

Todd.M wrote:Thankyou inbox788. 529…kids are not in my future, taxable is looking like the way to go.


If you or your girlfriend plan to go back to school, 529s could make sense (especially if there's a state tax deduction).
by TIAX
Mon Feb 20, 2017 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Excess IRA contribution
Replies: 10
Views: 503

Re: Excess IRA contribution

Time traveler wrote:As to requesting a removal of funds and their earnings I was hoping to avoid this because I don't know how to do it.

It's quite simple. You need to give Vanguard (or whoever the custodian is) a call and they'll remove the funds along with earnings and transfer them to a taxable account.
by TIAX
Mon Feb 20, 2017 7:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Amazon Smile: John C Bogle Center
Replies: 17
Views: 2119

Re: Amazon Smile: John C Bogle Center

Which provides the larger donation to the Bogle Center: Amazon Smile or the Amazon link in the "Support This Site" box on the bogleheads.org homepage? These are two separate entities: The Amazon smile program being discussed sends donations to the Bogle Center: Questions and answers | The...
by TIAX
Mon Feb 20, 2017 7:46 am
Forum: Personal Finance (Not Investing)
Topic: Advice for my Age - 28
Replies: 21
Views: 2132

Re: Advice for my Age - 28

Student loan $120,000 @6.8% Before some of you tell me to pay of student loans, I have five more years to work with my agency and the remaining student loans will be forgiven. So I am making the minimum monthly payment of $330 for five more years. Every month, I have about $1000 - $1500 extra money...

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