Search found 23 matches

by ksb
Fri Jan 12, 2018 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to an Employer-Sponsored 401k with a Personal Check?
Replies: 6
Views: 378

Re: Contribute to an Employer-Sponsored 401k with a Personal Check?

Conclusion: after the office manager repeatedly said there was nothing to be done, my wife showed her the section in the plan administer's website that says how to correct this exact situation. So, the office manager corrected this, and my wife is happy.
by ksb
Wed Jan 10, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to an Employer-Sponsored 401k with a Personal Check?
Replies: 6
Views: 378

Re: Contribute to an Employer-Sponsored 401k with a Personal Check?

Thank you all for sharing your advice. Sounds like life will go on, but not with this paycheck going toward her 401k. I know it's frustrating but doesn't this just mean your wife will hit the maximum deferral one paycheck later? It shouldn't have any effect on a match. That's the reasons I omitted. ...
by ksb
Wed Jan 10, 2018 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute to an Employer-Sponsored 401k with a Personal Check?
Replies: 6
Views: 378

Contribute to an Employer-Sponsored 401k with a Personal Check?

My wife switched her contribution to her employer-sponsored 401k plan to 100% of her net paycheck starting in December. So, the office manager unilaterally changed that back to her old, lower contribution rate for 2018. The office manager's response is, "I did screw up, but I already submitted thing...
by ksb
Mon Oct 02, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Worth it to Surrender Annuities?
Replies: 5
Views: 912

Re: Worth it to Surrender Annuities?

Thank you all for sharing your advice. Re: her financial goals. Her major goal is not to run out of money, and her minor goal is to leave some for her children. She currently lives off of less than her SS income, and she has ~$650k in assets. The way I see it, if she stays healthy, she's so frugal t...
by ksb
Tue Sep 26, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Worth it to Surrender Annuities?
Replies: 5
Views: 912

Worth it to Surrender Annuities?

Question I'm assisting my mother-in-law with her finances. She has two annuities. Given her desires and the surrender charge, does it make sense to surrender them? I think so, and also I'd appreciate any advice you all might offer on the subject. Background Her main motivation is her (reasonable) f...
by ksb
Thu Dec 15, 2016 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Worth it to pay capital gains to balance portfolio? (Again)
Replies: 6
Views: 1338

Re: Worth it to pay capital gains to balance portfolio? (Again)

This is great. Thank you all for sharing your advice.
by ksb
Mon Dec 12, 2016 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Worth it to pay capital gains to balance portfolio? (Again)
Replies: 6
Views: 1338

Worth it to pay capital gains to balance portfolio? (Again)

Question I’ve searched the forum on this topic, and it's well-covered ground. I still have questions as applied to this set of facts, and I’d appreciate any advice you might offer. In this situation, does it make sense to pay taxes on gains to move away from (a) individual stocks, (b) mutual funds ...
by ksb
Tue Sep 13, 2016 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: How to Use Stockbroker to Sell Foreign Stock?
Replies: 7
Views: 833

Re: How to Use Stockbroker to Sell Foreign Stock?

Thank you both for your advice, as well.
by ksb
Fri Sep 09, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: How to Use Stockbroker to Sell Foreign Stock?
Replies: 7
Views: 833

Re: How to Use Stockbroker to Sell Foreign Stock?

Thank you both for sharing your advice.
by ksb
Thu Sep 08, 2016 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: How to Use Stockbroker to Sell Foreign Stock?
Replies: 7
Views: 833

How to Use Stockbroker to Sell Foreign Stock?

I am helping my girlfriend's mom liquidate some of her late husband's holdings. Some of the shares are held by British companies (Equiniti and Capita), and they'll transfer the shares to mom's name. But they won't directly liquidate the assets - a stockbroker needs to do that. So, does that mean I'd...
by ksb
Wed Dec 17, 2014 12:58 am
Forum: Investing - Theory, News & General
Topic: Wealthfront Direct Indexing Platform
Replies: 32
Views: 11463

Re: Wealthfront Direct Indexing Platform

Thank you for explaining that, backpacker.
by ksb
Tue Dec 16, 2014 2:40 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront Direct Indexing Platform
Replies: 32
Views: 11463

Re: Wealthfront Direct Indexing Platform

Would someone please shed light on where Wealthfront's ~2% additional returns from direct indexing comes from? Here's what I see in a very rough back-of-envelope calculation based on Wealthfront's whitepaper (https://research.wealthfront.com/whitepapers/tax-optimized-direct-indexing/): -The investme...
by ksb
Fri Feb 14, 2014 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Law School Student Loan Refinancer?
Replies: 4
Views: 672

Re: Law School Student Loan Refinancer?

Thank you all for the advice.

I think Wells Fargo doesn't do federal loans. At least, we spoke with them and there was some reason that they wouldn't do it that didn't relate to her specifics as a borrower. My memory is foggy.
by ksb
Thu Feb 13, 2014 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Law School Student Loan Refinancer?
Replies: 4
Views: 672

Law School Student Loan Refinancer?

My girlfriend is investigating refinancing her law school student loans. They're mainly federal loans. She attended Chapman, inasmuch as some refinancers discriminate by school. We're aware of Darien Rowayton Bank and SoFi.

Are there other refinancers out there that we should investigate?
by ksb
Mon Dec 16, 2013 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Undo 401(k) contributions when switching jobs?
Replies: 2
Views: 333

Re: Undo 401(k) contributions when switching jobs?

That is an excellent point, which gets me to the desired result - $17,500 contributed to Roth in 2014. Thank you for sharing your advice.
by ksb
Mon Dec 16, 2013 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Undo 401(k) contributions when switching jobs?
Replies: 2
Views: 333

Undo 401(k) contributions when switching jobs?

My company is being acquired effective January 1, and it looks like the new company offers only a traditional 401(k), and not a Roth 401(k). But I'm thinking of switching companies in 2014. If I do switch companies, can I "undo" my traditional 401(k) contributions with my current company, and contri...
by ksb
Wed Sep 04, 2013 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: VDMAX+VEMAX = VTIAX?
Replies: 4
Views: 799

Re: VDMAX+VEMAX = VTIAX?

Thanks for the advice, everyone.

I asked the guy handling the transition if we can get VTIAX, and it's a small enough issue that I will find a way to carry on if we can't.
by ksb
Wed Sep 04, 2013 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: VDMAX+VEMAX = VTIAX?
Replies: 4
Views: 799

VDMAX+VEMAX = VTIAX?

My 401(k) is switching to Vanguard, and they're looking at offering the Developing Markets Index (VDMAX) and the Emerging Markets Index (VEMAX), but not the Total International Index (VTIAX). I'd prefer to have VTIAX, but won't make a fuss if a suitable weighting of VDMAX and VEMAX produces the same...
by ksb
Tue Jul 16, 2013 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring property
Replies: 8
Views: 1030

Re: Transferring property in Washington state

Disclaimer: I am an attorney licensed to practice in WA, but I'm not your attorney. And for all you know, I could be a really poor attorney who's currently at risk of being disbarred. Caveat emptor. I did a similar thing (quitclaim my mom's house to my parents' community property). $400 seems reason...
by ksb
Fri Apr 19, 2013 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding capital gains v. Diversifying?
Replies: 21
Views: 2197

Re: Avoiding capital gains v. Diversifying?

Thank you for the advice, everyone.
by ksb
Thu Apr 18, 2013 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding capital gains v. Diversifying?
Replies: 21
Views: 2197

Re: Avoiding capital gains v. Diversifying?

Thanks for the welcome, and the advice, everyone. I'm a long-time lurker, and just finally had a topic worth posting about. Given that I'm a long-time lurker, you would think I would've known to include enough information. Let me remedy that. -My parents are 65 and 68 -Their portfolio inclusive of t...
by ksb
Thu Apr 18, 2013 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Avoiding capital gains v. Diversifying?
Replies: 21
Views: 2197

Avoiding capital gains v. Diversifying?

My parents have 13% of their assets in a single company's stock (in a taxable account). They've held this stock forever, so the cost basis is relatively low. If they sell it to diversity, they of course gain the diversification at the cost of paying tax. If they hold it, they're lack the diversifica...