Search found 284 matches

by jmndu99
Fri Feb 24, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Just beginning: $40k to open taxable and IRA accounts
Replies: 21
Views: 1363

Re: Just beginning: $40k to open taxable and IRA accounts

Hello, I by no means claim that I know much about backdoor roths.

Wait for experts on backdoor roths.

My question is this:

1. OP contribute to the Roth up to max
2. Then Couldn't OP contribute to non deductible IRA with the rest of the money, then backdoor Roth it?
by jmndu99
Sun Feb 12, 2017 9:55 pm
Forum: Personal Consumer Issues
Topic: PC power-up failure
Replies: 38
Views: 2261

Re: PC power-up failure

One question not asked is, how old is this power supply? I recently had a 10 year old power supply give up the ghost.

Replacing it gave me incentive to purchase new/more powerful mobo, cpu and memory to replace same components that were also 10 years old.

Best wishes
by jmndu99
Wed Feb 08, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 43
Views: 4461

Re: Two-Fund Portfolio Role Call

Jiu Jitsu Fighter wrote:VSIAX Small-Cap Value
VFSVX Small/Mid-Cap ex-US



Nice. Fortitude required.
by jmndu99
Wed Feb 08, 2017 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall, but need to withdraw
Replies: 9
Views: 1024

Re: Windfall, but need to withdraw

+1 to i <3Investing

It looks like this; of $500,000.00. You need $228,000.00 for Mrs. to stay home.

That is your "safe" money.
The difference (still a sizeable amount) is either dca or lump sum into the market per your allocation.

Best wishes
J
by jmndu99
Mon Feb 06, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: Late start but learning, next step?
Replies: 10
Views: 1318

Re: Late start but learning, next step?

Welcome,

Please see this viewtopic.php?t=6212


Posting the way that link advises is the best way to get advice.

Best wishes
by jmndu99
Mon Feb 06, 2017 7:56 pm
Forum: Investing - Theory, News & General
Topic: A note of caution from Robert Shiller
Replies: 66
Views: 9686

Re: A note of caution from Robert Shiller

Is this piece written for someone who invests exclusively in the Dow (30) stocks?
by jmndu99
Sat Feb 04, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2432
Views: 615624

Re: What Movie Have You Recently Watched?

Hillary's America and The Inside Job.
by jmndu99
Mon Jan 30, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: Stocks Down - My Fault
Replies: 26
Views: 3980

Re: Stocks Down - My Fault

Thank you for selling to me at a lower price.
by jmndu99
Sun Jan 29, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Humble brag finally got admiral shares in taxable account
Replies: 29
Views: 3831

Re: Humble brag finally got admiral shares in taxable account

Congratulations OP.

I'm not there yet in my taxable account but will get there.

You've come to the right place to humbly brag. A milestone is a milestone
by jmndu99
Wed Jan 25, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on CNBC & Reforms
Replies: 11
Views: 1602

Re: Jack Bogle on CNBC & Reforms

Interesting. Obviously the causal mechanism is the key. Does buying ETFs make you prone to irrational behavior? Or do people who are prone to irrational behavior buy ETFs? As one who has a number of ETFs, this is good food for thought. I've felt no urge to trade more frequently with ETFs vs. mutual...
by jmndu99
Wed Jan 25, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: A Special Vanguard Fund
Replies: 17
Views: 2640

Re: A Special Vanguard Fund

Happy Birthday Taylor. Thanks for your service in WWII and here.

I'm guessing the Vanguard S&P 500 index fund.

Semper Fi!

J
by jmndu99
Wed Jan 25, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: 30% tax break on Trad IRA contributions in 15% tax bracket
Replies: 34
Views: 2324

Re: 30% tax break on Trad IRA contributions in 15% tax bracket

I still don't get it though. Maybe someone can walk me through the process of seeing it based on my information? If I can lower my marginal rate to -15% from +15% (based on a tax break of 30%), I'll take it as will most of us. I must be missing something. No one is saying that you can lower your ma...
by jmndu99
Wed Jan 25, 2017 12:09 am
Forum: Personal Finance (Not Investing)
Topic: 30% tax break on Trad IRA contributions in 15% tax bracket
Replies: 34
Views: 2324

Re: 30% tax break on Trad IRA contributions in 15% tax bracket

https://www.bogleheads.org/forum/viewtopic.php?p=1247382#p1247382 Thanks for this jebmke, I still don't get it though. Maybe someone can walk me through the process of seeing it based on my information? If I can lower my marginal rate to -15% from +15% (based on a tax break of 30%), I'll take it as...
by jmndu99
Tue Jan 24, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: 30% tax break on Trad IRA contributions in 15% tax bracket
Replies: 34
Views: 2324

Re: 30% tax break on Trad IRA contributions in 15% tax bracket

Hello all, Please help me understand this. I am now in the 15% marginal tax bracket due to marriage. I was in 25% bracket before marriage. Before marriage, I contributed to a tIRA to save on taxes. Now, as married, I contribute to Roth IRA. How do I save 30%? Does someone have a picture that depicts...
by jmndu99
Mon Jan 23, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: my annual lessons the markets taught series, part 1
Replies: 8
Views: 1841

Re: my annual lessons the markets taught series, part 1

Thank you Mr. Swedroe. Lesson 2 really drove home the notion that "time in the market" is more important than timing the market. Lesson 3 reminded me that, during the beginning of the year market did nothing really exciting (my opinion), I continued to add to my pot, during the events that...
by jmndu99
Sat Jan 21, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Instant Pot - your favorite uses?
Replies: 36
Views: 5053

Re: Instant Pot - your favorite uses?

TRC wrote:They recently legalized pot here in MA. I haven't tried "instant pot" before. What's it like?


This is great!
by jmndu99
Mon Jan 16, 2017 8:33 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 17
Views: 1028

Heavy duty cordless drill/hammerdrill recommendation

Hello all, I work in the trades and use a drill/hammerdrill on the job in the Midwest. All times of year. All types of weather. I now have a Dewalt 18 volt cordless with 2 batteries. It's approx 6 months old. It leaves much to be desired. I use it to drill holes from 1/4" to 1/2" holes usi...
by jmndu99
Wed Jan 11, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 16262

Re: Best Financial Moves You've Made

Brown bagging lunch is the best financial made.

Bringing lunch from home was the springboard to educating myself (with assistance of this site) on saving, investing, spending, living below my means.

Best wishes
by jmndu99
Tue Jan 10, 2017 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Inheritance Tax Question
Replies: 9
Views: 1063

Re: Inheritance Tax Question

... What type of tax implications did I just unleash on myself? Thanks! Welcome luderiffic, Sorry for your loss. As another poster stated, you will get a step up in basis of price of shares on the date of grandmother's death. From the day of grandmother's death to day of sell: 1, the share price we...
by jmndu99
Wed Jan 04, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: "Vanguards Investment Tips For 2017"
Replies: 14
Views: 2547

Re: "Vanguards Investment Tips For 2017"

Thank you for posting Taylor,

I for one am looking forward to volatility. The chance to buy shares on sale is a wonderful thing.

James
by jmndu99
Wed Jan 04, 2017 6:46 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2016)
Replies: 13
Views: 1972

Re: madsinger monthly report (December 2016)

Thanks again Brad.

Happy healthy and prosperous New Year

James
by jmndu99
Tue Jan 03, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Sell tIRA mm funds to Roth IRA mm fund Question
Replies: 6
Views: 302

Re: Sell tIRA mm funds to Roth IRA mm fund Question

It sounds like you're doing an exchange from Traditional IRA to Roth IRA which is a Roth conversion. There should not be a 10% early withdrawal penalty. However the system may recognize this as a Roth conversion and ask if you would like to withhold taxes. It is best not to withhold taxes as the ta...
by jmndu99
Tue Jan 03, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Under 50 please read regarding social security
Replies: 4
Views: 1046

Under 50 please read regarding social security

Good afternoon, I have come across this article by asset builder Scott Burns regarding changes to our social security benefits. Quite alarming Social Security Reform: If You’re Under 50, Watch Out [link fixed by admin LadyGeek, see below] I have been using social security to plan my investments. I m...
by jmndu99
Tue Jan 03, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Sell tIRA mm funds to Roth IRA mm fund Question
Replies: 6
Views: 302

Re: Sell tIRA mm funds to Roth IRA mm fund Question

Rainmaker41 wrote:https://personal.vanguard.com/us/insights/guide/tips-rothira-conversion



Thank you Rainmaker41. I'll take a look at this from my desktop
by jmndu99
Tue Jan 03, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Sell tIRA mm funds to Roth IRA mm fund Question
Replies: 6
Views: 302

Re: Sell tIRA mm funds to Roth IRA mm fund Question

obafgkm wrote:What does "mm" mean?


Money Market
by jmndu99
Tue Jan 03, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Sell tIRA mm funds to Roth IRA mm fund Question
Replies: 6
Views: 302

Sell tIRA mm funds to Roth IRA mm fund Question

Good morning everyone, I would like to exchange the funds in my tIRA mm to my Roth IRA mm fund. When I begin the exchange on the website I get to go to vanguard.com to complete the transaction. I'm using the vanguard app. If i perform a sell transaction i get a warning about a 10% penalty due to my ...
by jmndu99
Fri Dec 30, 2016 9:01 pm
Forum: Investing - Theory, News & General
Topic: Brokers Make You Broker - an interactive chart complements of Rick Van Ness
Replies: 9
Views: 1426

Re: Brokers Make You Broker - an interactive chart complements of Rick Van Ness

Op thanks for posting.

I'm interested but the link is not loading for me.

I'm using my phone with chrome browser.

The address www.financinglife.org is not loading either

Thank you
by jmndu99
Thu Dec 29, 2016 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Question About After-Tax Mega-Backdoor Roth 401K Contributions
Replies: 16
Views: 1459

Re: Question About After-Tax Mega-Backdoor Roth 401K Contributions

Hello, I have done this for a few years now: I have contributed the max to my tIRA. I have contributed the max to my t401k with my employer. After hitting the max in my t401k, I continued to contribute after-tax to my t401k. At the end of the year, I would call up the custodian and ask that they do ...
by jmndu99
Thu Dec 29, 2016 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Question About After-Tax Mega-Backdoor Roth 401K Contributions
Replies: 16
Views: 1459

Re: Question About After-Tax Mega-Backdoor Roth 401K Contributions

Hello, I have done this for a few years now: I have contributed the max to my tIRA. I have contributed the max to my t401k with my employer. After hitting the max in my t401k, I continued to contribute after-tax to my t401k. At the end of the year, I would call up the custodian and ask that they do ...
by jmndu99
Wed Dec 28, 2016 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Must I fund my Roth before January?
Replies: 4
Views: 602

Re: Must I fund my Roth before January?

I am opening my first Roth IRA, with vanguard. Am I correct that I must open the account prior to the end of this year if I want to contribute money for 2016? As this is a brand new account, must I also fund my Roth before January 1, to count as a 2016 contribution? Fund it by April 18, 2017 (Tax D...
by jmndu99
Sat Dec 24, 2016 4:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You.
Replies: 98
Views: 7332

Re: My Christmas Gift to You.

Merry Christmas Mr. Larimore.

Your post reminds us what Valor means. Thank you for the fight you gave so that we and others may live free.

May God bless you and family Sir.

Hooo Ahhhh
by jmndu99
Sat Dec 24, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: Bogle backfire?
Replies: 81
Views: 12795

Re: Bogle backfire?

I appreciate posts like this as I think it will help newer investors answer the eternal question of what is the difference between speculation vs. investing. Harry Browne of PP fame nicely worded in his books that investing is when one is trying to get their fair share of returns that everyone else...
by jmndu99
Sat Dec 24, 2016 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Whole life ins. Co. Asks about bankruptcy. questions
Replies: 22
Views: 2076

Re: Whole life ins. Co. Asks about bankruptcy. questions

Good Morning all, Thank you for all your replies. Admittedly, I don't know much about life insurance. I understand that whole life is not for me (at this time). I will look read up on term life. I am very grateful that there are always fellow Bogle heads who have done this before me and who are will...
by jmndu99
Fri Dec 23, 2016 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Whole life ins. Co. Asks about bankruptcy. questions
Replies: 22
Views: 2076

Re: Whole life ins. Co. Asks about bankruptcy. questions

Thanks for replying. My concern for insurance came up due to taking a mortgage. I am concerned that, in my demise, my wife wouldn't be able to handle the mortgage payments. Whole life was pitched to me as "mortgage protection insurance". Admittedly, I know nothing about insurance. Thank yo...
by jmndu99
Thu Dec 22, 2016 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Whole life ins. Co. Asks about bankruptcy. questions
Replies: 22
Views: 2076

Whole life ins. Co. Asks about bankruptcy. questions

Good afternoon, I am in the application process for whole life insurance. I have been asked about filling bankrupt. I don't understand why a bankruptcy is important to insurance company. I don't think it's the insurance company's business whether or not I have filled for bankruptcy. Why would an ins...
by jmndu99
Tue Dec 20, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: "Trump Rally" with any basis or doomed to come down to earth soon?
Replies: 16
Views: 1646

Re: "Trump Rally" with any basis or doomed to come down to earth soon?

Good afternoon,
The Market likes certainty.

2 questions that the Market had have been answered. Who will be president and what will the Federal Reserve interest rate hike be.
by jmndu99
Tue Dec 13, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13895

Re: How old is your vehicle?

2006 dodge stratus 140k
by jmndu99
Fri Dec 02, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (November 2016)
Replies: 17
Views: 1888

Re: madsinger monthly report (November 2016)

Brad,
Thank you for keeping us updated. Your time is appreciated. I'm still in the accumulation phase.

Best wishes,
James
by jmndu99
Wed Nov 30, 2016 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvest Dividends from Taxable to Roth IRA
Replies: 8
Views: 862

Re: Reinvest Dividends from Taxable to Roth IRA

Thank you op for posting the question.

One more everyone. I didn't think that dividends/capital gains are considered earned income, that can be used to fund a Roth IRA. Am I wrong?

I am definitely interested in doing the same thing.

Thank you,
J
by jmndu99
Tue Nov 29, 2016 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Investing in the 80's when CD rates were 17%?
Replies: 74
Views: 7672

Re: Investing in the 80's when CD rates were 17%?

Hello, I have really enjoyed this thread. Nedsaid mentioned Bob Brinker. My Sunday afternoon Is spent listening to Mr. Brinker and almost once a month a caller to the show will thank him for telling us about these cds back in the 80's. I have been reading a book of Ric Edelman's and these cds have b...
by jmndu99
Fri Nov 18, 2016 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: 100% Total Stock Market portfolio
Replies: 31
Views: 4174

Re: 100% Total Stock Market portfolio

I was 100% equities into my mid-50s (I now need to protect some living expense funds to "bridge" from retirement to start-of-Social-Security), but I have been convinced that some bonds (10% - 20%) is appropriate for nearly everyone based on: 1. Efficient Frontier - better risk adjusted re...
by jmndu99
Fri Nov 18, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: New To Investing: Am I on the right path?
Replies: 28
Views: 1660

Re: New To Investing: Am I on the right path?

Welcome, I wish I found this board when I was your age. +1 to retiredjg SAVER CREDIT. Take a look at it. You have up until Tax Day 2017 to make your contribution (up to $5,500) to your IRA. One thing to check into is where your employer 401(k) match is directed. For instance, my employer match buys ...
by jmndu99
Fri Nov 18, 2016 9:49 am
Forum: Investing - Help with Personal Investments
Topic: 100% Total Stock Market portfolio
Replies: 31
Views: 4174

Re: 100% Total Stock Market portfolio

I was 100% equities into my mid-50s (I now need to protect some living expense funds to "bridge" from retirement to start-of-Social-Security), but I have been convinced that some bonds (10% - 20%) is appropriate for nearly everyone based on: 1. Efficient Frontier - better risk adjusted re...
by jmndu99
Thu Nov 17, 2016 3:37 pm
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 267
Views: 19669

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

Hello, I have been reading a book by, yes some advisor who will remain anonymous, (some here may know who this author is) who suggests that as an accumulator one should be DCA'ing into stock mutual funds through both ups and downs of the markets. This author further goes on to say that "making...
by jmndu99
Thu Nov 17, 2016 1:25 pm
Forum: Investing - Theory, News & General
Topic: Diversification Advice
Replies: 10
Views: 957

Re: Diversification Advice

Welcome,
At your age you shouldn't be embarrassed to be fully invested in stocks. You have an emergency fund in cash and bonds.

3 fund portfolio works for you.
by jmndu99
Thu Nov 17, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?
Replies: 267
Views: 19669

Re: Help Me Understand: Why Shouldn't AA Be 100% Stocks During Accumulation Phase?

Hello, I have been reading a book by, yes some advisor who will remain anonymous, (some here may know who this author is) who suggests that as an accumulator one should be DCA'ing into stock mutual funds through both ups and downs of the markets. This author further goes on to say that "making ...
by jmndu99
Thu Nov 17, 2016 9:33 am
Forum: Investing - Help with Personal Investments
Topic: 100% Total Stock Market portfolio
Replies: 31
Views: 4174

Re: 100% Total Stock Market portfolio

I was 100% equities into my mid-50s (I now need to protect some living expense funds to "bridge" from retirement to start-of-Social-Security), but I have been convinced that some bonds (10% - 20%) is appropriate for nearly everyone based on: 1. Efficient Frontier - better risk adjusted re...
by jmndu99
Wed Oct 05, 2016 8:00 pm
Forum: Investing - Theory, News & General
Topic: BlackRock Cuts Prices on ETFs
Replies: 62
Views: 5522

Re: BlackRock Cuts Prices on ETFs

Thank you OP for this info. I think I can purchase the ETF'S I need through the brokerage link in my fido 401k

Nice
by jmndu99
Wed Sep 21, 2016 8:26 pm
Forum: Personal Consumer Issues
Topic: My "Corolla Investment" has ended...410,000 [miles]
Replies: 56
Views: 7223

Re: My "Corolla Investment" has ended...410,000 [miles]

Wow,

Congrats. My 2006 dodge was bought used by me and I now have 137,000. I have replaced necessary items. It has been my daily commuter and go on vacation vehicle.

Not many can hold a candle to this one

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