Search found 757 matches

by dbltrbl
Tue May 16, 2017 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: 403/457 Advice and Investment Check-Up Please
Replies: 8
Views: 431

Re: 403/457 Advice and Investment Check-Up Please

Hi Shiny,

I sent you a PM just use it as single not married. You will save half of 660.00
by dbltrbl
Thu May 11, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened a traditional IRA
Replies: 6
Views: 353

Re: Just opened a traditional IRA

Are you sure you want to keep ROTH at MET LIFE for next 7 years to save $800? In 1994 I paid $700.00 to get the hell out. Best 700 paid for price of learning. You are likely paying higher expenses and lower returns for 7 years and dealing with the. Just write it off as price of learning and move on....
by dbltrbl
Thu May 11, 2017 4:11 am
Forum: Personal Finance (Not Investing)
Topic: Can you suggest a mortgage lender who does not resell
Replies: 67
Views: 4362

Re: Can you suggest a mortgage lender who does not resell

If in area, 53rd bank has held our mortgage so far. ( 3 years in of 15).
by dbltrbl
Tue May 09, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: IRA Question - Can I contribute to an IRA?
Replies: 11
Views: 864

Re: IRA Question - Can I contribute to an IRA?

Correct. You will get 100K and all earnings on it totally tax free ( Could be 1 M or more) from ROTH after 59.5 in normal circumstances. you do not need 30 accounts.
by dbltrbl
Tue May 09, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Cell phone use in UK for one year
Replies: 13
Views: 572

Re: Cell phone use in UK for one year

If he has access to wi-fi ( as a student I am sure) he can take a Republic Wireless phone and he can call USA at no extra charge. For Uk, he can get a local phone for a year. I do not work for Republic Wireless.
by dbltrbl
Tue May 09, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: T Rowe Price High Income Bond Fund Expenses
Replies: 1
Views: 213

Re: T Rowe Price High Income Bond Fund Expenses

What is preventing you from transferring this IRA to another economical institution?
by dbltrbl
Tue May 09, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Moving and Taxes - [What Would You Do]?
Replies: 6
Views: 604

Re: Moving and Taxes - WWYD?

Can you rent a post box for 6 months or a year in new location so you do not miss any important mail. As for the city of temporary residence you just pay up the city taxes when you file 2017 return.
by dbltrbl
Mon May 08, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: fund selection for fidelity 401k
Replies: 4
Views: 362

Re: fund selection for fidelity 401k

No need for Vanguard funds. Do not pay $75.00 per trade.You are young. Continue Fidelity S& P till you reach some amount. Than add Fidelity International you suggested. If no extra charge you create the three fund with Fidelity Funds. Contribute every pay period and you should be fine.
by dbltrbl
Mon May 08, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Buying second home in Georgia- tax implications
Replies: 9
Views: 894

Re: Buying second home in Georgia- tax implications

1. NO 2. You need to check with GA revenue department. Most likely yes you will get some relief. 3. No, you need not file if you are not a resident of Georgia. If you plan on being part year resident yes. You will file in SC and GA. 4.Not at current interest rates. 5. You can deduct it from Federal ...
by dbltrbl
Sat May 06, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Aggressive index funds
Replies: 15
Views: 1529

Re: Aggressive index funds

Primecap shop is very good but you still get lower expense ratio using Vanguard than Primecap directly. Check it out. Yes couple of funds are closed. They are not index funds at all. They are active funds.
by dbltrbl
Sat May 06, 2017 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!
Replies: 12
Views: 1317

Re: At last, 25 years in America, 1st to buy own house in my family! Help me not screw up!

Congratulations. Do not sweat the small stuff. As for insurance, talk to people who have your auto insurance. you are likely to get Multi-line discount. Will reduce your auto premium too.
by dbltrbl
Sat May 06, 2017 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)
Replies: 50
Views: 3056

Re: Wife getting PhD, how to fund? (student vs 401k loan vs home equity, etc)

Having worked at a Midwestern university, is it possible to get subsidized loans? It does not have interest as long as in school and either 3 or 6 months after graduation. Check it out. If not than Home equity. I would encourage her to get her Ph.D.. Life is not always about finances.
by dbltrbl
Sat May 06, 2017 7:24 am
Forum: Investing - Theory, News & General
Topic: Is it possible NAV was reported wrong: funds lost 6-8%
Replies: 5
Views: 469

Re: Is it possible NAV was reported wrong: funds lost 6-8%

No. Check dividend and/or capital gains distribution.
by dbltrbl
Fri May 05, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Does Your Doctor Take Funds From Drug Companies?
Replies: 17
Views: 1007

Re: Does Your Doctor Take Funds From Drug Companies?

Family Physician No. Rest No Idea.
by dbltrbl
Fri May 05, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Honda vs. Mazda vs. Ford
Replies: 40
Views: 2735

Re: Honda vs. Mazda vs. Ford

Of the choices you asked Accord/Civic hands down. Had 2000 Accord,sold it in June 2016, it is still being driven after 240000 miles. Only regular maintenance.
by dbltrbl
Wed May 03, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put gift money that child is receiving each year?
Replies: 16
Views: 1335

Re: Where to put gift money that child is receiving each year?

At his age, any of the fidelity index funds with 100% stock is fine. Just add 1200 to his 1300 to get to 2500 minimum.
by dbltrbl
Wed May 03, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 215
Views: 16957

Re: Buying a luxury car (how dumb would it be to do this?)

Life is too short. At your income level and reasonably secure job go for the luxury car. Enjoy the life along the way. Not every one is so blessed. I am assuming normal luxury vehicles Lexus, Mercedes or BMW or Tesla. Look at it this way your average Camry, Accords are around 25-30 k about 33% of an...
by dbltrbl
Fri Apr 28, 2017 5:27 am
Forum: Personal Finance (Not Investing)
Topic: taking 35,000 what to do
Replies: 5
Views: 1283

Re: taking 35,000 what to do

Which is it? Is it in 403b as in original post or is it in ROTH? At least post correctly so folks trying to help can do it right. Depending on what it is answers can and should be different.
by dbltrbl
Fri Apr 28, 2017 5:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard adviser - advice when not carrying a mortgage into retirement
Replies: 57
Views: 4449

Re: Vanguard adviser - advice when not carrying a mortgage into retirement

Many parts of country (NOT HCOL) have property taxes much higher than 5000.00 per year. Dayton, Ohio, you could be very easily pay 7-8k per year for an old 1800-2000 sq. ft house (1960) , valuation about 150,000.00 in reasonably decent school district. So 5k per year very low property taxes. While I...
by dbltrbl
Wed Apr 26, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: investing in a 403b
Replies: 6
Views: 761

Re: investing in a 403b

You said, " I am currently funding a 403b fixed rate account (before taxes) at Mass Mutual that pays 4 % until Jan 2017, and then will go to 3.35 % for 2017. I thought this would be a good place for the military pension to go until needed later, and it should be withdrawn at a lower tax rate th...
by dbltrbl
Wed Apr 26, 2017 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Using Roth IRA as a savings account?
Replies: 32
Views: 2986

Re: Using Roth IRA as a savings account?

From IRS Publication, "Unless one of the exceptions listed later applies, you must pay the additional tax on the portion of the distribution attributable to the part of the conversion or rollover contribution that you had to include in income because of the conversion or rollover. You must pay ...
by dbltrbl
Wed Apr 26, 2017 6:08 am
Forum: Personal Consumer Issues
Topic: Likely buying new vehicle(s) - Some Qs
Replies: 10
Views: 1219

Re: Likely buying new vehicle(s) - Some Qs

Glad every one OK. Across state lines not an issue at all. you will pay sales tax to Missouri only. So go with best price. I have purchased cars from Three different states and every time paid sales tax only in my home state. As for incentives at the end of month they are true only in some instances...
by dbltrbl
Tue Apr 25, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Using Roth IRA as a savings account?
Replies: 32
Views: 2986

Re: Using Roth IRA as a savings account?

You can not withdraw this money without penalty for 5 years with exception for buying house or Medical emergency only. You have to be 59.5 years old to withdraw contributions tax free. Use a regular savings account or bond fund your choice but not Roth.
by dbltrbl
Tue Apr 25, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Car troubles?
Replies: 18
Views: 1159

Re: Car troubles?

All of the items are reasonable maintenance items. I can not comment on the costs as it varies wildly. I would have them done to keep the car for next 3-5 years. Get a quote for same at Local pep boys. That should give you an idea if dealer is in the ball park.
by dbltrbl
Mon Apr 24, 2017 6:18 am
Forum: Investing - Help with Personal Investments
Topic: Question about new 401k
Replies: 4
Views: 431

Re: Question about new 401k

Your Options are 1. Keep old 401k at Fidelity. If you are happy with your funds there than no rollover needed. 2. Transfer to new 401k at Vanguard if allowed. This will still have 401k rules. 3. Roll over to Traditional IRA, which will be an issue going forward if you do back door ROTH IRA. 4. Roll ...
by dbltrbl
Sun Apr 23, 2017 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: Amended tax return question - what to include?
Replies: 2
Views: 258

Re: Amended tax return question - what to include?

Mail in the amended return as soon as possible. This way you will get your refund sooner. You must mail in the amended return along with explanation and/or documents. No need to wait.
by dbltrbl
Sun Apr 23, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Question about 403b plan
Replies: 16
Views: 960

Re: Question about 403b plan

Even if you have to pay $500.00 it is worth to get out from Valic. I wasted about $1000.00 in 1992 getting away from Valic and transferring about 15000.00 to Vanguard. One my financially brilliant move in hindsight.Run away as soon as you can. Good luck.
by dbltrbl
Sun Apr 23, 2017 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is this tax deductible?
Replies: 19
Views: 1323

Re: Is this tax deductible?

Assisted living facility has to be a charitable organisation and registered with IRS. If not than your friend is out of luck.
by dbltrbl
Sun Apr 23, 2017 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: Did you file your taxes with Credit Karma?
Replies: 14
Views: 1251

Re: Did you file your taxes with Credit Karma?

I would also be interested in knowing it especially if you also filed state taxes using them. I also used $10.00 tax act for e-filing both state and federal.
by dbltrbl
Sun Apr 23, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: typical deductions for retirees
Replies: 27
Views: 2354

Re: typical deductions for retirees

If your mortgage is paid off in most cases standard deduction is bigger than itemized. Even when working if mortgage is paid off it might be standard deduction depending on charitable deduction and state and local income and property taxes. You can deduct real estate taxes.
by dbltrbl
Sun Apr 23, 2017 4:05 am
Forum: Investing - Help with Personal Investments
Topic: 403B
Replies: 12
Views: 653

Re: 403B

You will need to decide your asset allocation. For the equity portion use Vanguard Institutional Index with ER of 0.04 is excellent choice.
by dbltrbl
Fri Apr 21, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: [How do I sell my Roth IRA funds to buy Vanguard?]
Replies: 4
Views: 372

Re: [How do I sell my Roth IRA funds to buy Vanguard?]

talk to Vanguard they will walk you through it. No need to go through settlement fund if you know what you want. Call Vanguard, let them handle it.
by dbltrbl
Fri Apr 21, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 85
Views: 7139

Re: Removing a tree - expensive!!!

1850 is high without removing stump. Call around. In Midwest for a tree about 50 ft high and 4 ft. dia trunk about 600-900.
by dbltrbl
Fri Apr 21, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Car Choices
Replies: 45
Views: 3614

Re: Car Choices

Take a look at Subaru. He may not want Toyota or Honda but suggest Subaru. I think both Camry and Accord are fine and more reliable.
by dbltrbl
Thu Apr 20, 2017 8:55 pm
Forum: Personal Consumer Issues
Topic: Costco battery replacement possible after a year and half?
Replies: 11
Views: 1041

Re: Costco battery replacement possible after a year and half?

Yes. They will replace it but will prorate it. So you will not get full price back. I had old 100 month warranty Battery gone bad after about 54 months. They just refunded the prorated money and I had to buy new one. Costco refused to go total of 100 months. They no longer sell those batteries.
by dbltrbl
Thu Apr 20, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help with improving 403(b) allocations
Replies: 6
Views: 582

Re: Help with improving 403(b) allocations

You do not need 3 or 4 funds. Pick one TIAA IN EQ index 0.31 . If you want to 2 pick Dryfus S & P. In your taxable you can put other funds. I would just use TIAA and then Vanguard TSM outside, IRA etc.
by dbltrbl
Wed Apr 19, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Considering buying a new cell phone- ideas?
Replies: 22
Views: 2484

Re: Considering buying a new cell phone- ideas?

Nexus 6P 128 gb under $400.00 new
by dbltrbl
Wed Apr 19, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Adult child lack of availability at tax time.
Replies: 24
Views: 2010

Re: Adult child lack of availability at tax time.

+1 He is an adult. If he is getting a refund he is not in any trouble for most part. He may lose the money but that is his money. If he owes money unfortunately he will learn a hard lesson despite your valiant efforts and than he may appreciate your willingness to help. You can bring a horse to wate...
by dbltrbl
Wed Apr 19, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Withdrawal question
Replies: 6
Views: 444

Re: Traditional IRA Withdrawal question

+1 As said before you are over 59.5 years old so no 5 years rule. 5 Year rule is for ROTH IRA Only.
by dbltrbl
Wed Apr 19, 2017 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Should I bother with a 401k at present?
Replies: 25
Views: 2071

Re: Should I bother with a 401k at present?

Absolutely Yes. You are getting instant 50% return and it is yours even if you lose your job voluntarily or involuntary. As others have said put in full amount till the match. Just do it. Emergency fund can wait. If needed ask help from family or friends in case of emergency.
by dbltrbl
Wed Apr 19, 2017 9:14 am
Forum: Personal Finance (Not Investing)
Topic: Why do I owe so much on my taxes?
Replies: 32
Views: 3958

Re: Why do I owe so much on my taxes?

Make sure in 2017 you pay at least 90% of taxes you paid in 2016 or you may have to penalty on top of tax due when you file your 2017 taxes.
by dbltrbl
Tue Apr 18, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA or 403(b)??
Replies: 3
Views: 323

Re: Roth IRA or 403(b)??

What kind of income are you talking. If low income with no match go for ROTH.Tax deduction may not of much use. If you can do more than 5500 than do 403b. Higher income may be 403b.
by dbltrbl
Tue Apr 18, 2017 6:58 am
Forum: Personal Finance (Not Investing)
Topic: Taxes- okay to just drop in the mail today??
Replies: 29
Views: 3172

Re: Taxes- okay to just drop in the mail today??

Relax. As long as you , mail it today you are fine.
by dbltrbl
Mon Apr 17, 2017 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: take pension or not..Help?
Replies: 12
Views: 1566

Re: take pension or not..Help?

I will have a different take on this. If husband wants to retire a year early, he should do it. Life is too short. this is especially true if he is now unhappy about his job. It can have mental and physical consequences. Money will not join us in big blue sky. ENJOY :D
by dbltrbl
Mon Apr 17, 2017 6:35 am
Forum: Personal Finance (Not Investing)
Topic: IRA deadline
Replies: 1
Views: 167

Re: IRA deadline

Yes he can. He can do it online too.
by dbltrbl
Mon Apr 17, 2017 6:33 am
Forum: Personal Consumer Issues
Topic: New HVAC - Assessing Quotes? - Update, New Info
Replies: 40
Views: 3520

Re: New HVAC - Assessing Quotes?

I do not think quote is far out of line. I would push for longer warranty on labor and motor compressor units. May be 3 years on labor and 5 or more on motor compressor units. You certainly do not want fly by night operators.
by dbltrbl
Mon Apr 17, 2017 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Do I owe quarterly taxes if I didn't make money in Q1?
Replies: 8
Views: 838

Re: Do I owe quarterly taxes if I didn't make money in Q1?

No you don't need to file estimated taxes for 1st quarter.
by dbltrbl
Sat Apr 15, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA savings gap
Replies: 4
Views: 347

Re: Roth IRA savings gap

What fund/funds your Roth is invested in? I would open a taxable account in same funds and transfer money to ROTH from that account. If more than just additional taxable event. Most on the board has taxable accounts as well. Depends on the amount.

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