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lazyfabs

in general for individuals in a high tax bracket that are also subject to state income tax and AMT, is it more prudent to try and minimize the AMT hit or lower the state tax hit? It depends on which type of AMT you pay. If your AMT is due to timing items (incentive stock options, for example), mini...

lazyfabs

Do you have access to a NQDC employer plan? You can often defer large pre-tax amounts in an NQDC far beyond what can be deferred in a 401k. Although one must be careful to read the precautions associated with NQDC's. If your company has a plan perhaps you can ask if you can join it. My company allo...

lazyfabs

I get hit with the AMT and I do my own taxes via Turbo Tax. They give advice on how to best avoid the AMT and most of it was useless. I gave up trying to minimize it and accept that it is a consequence of earning more than most. Agree totally, positive side of amt that it is a good problem to have ...

lazyfabs

I love Fidelity but I think their muni funds aren't great. Maybe swing your muni stuff over to Vanguard? Their tax exempt funds seem to stay away from bonds that count against AMT. Their municipal money market does invest in private activity bonds...I think it was around 14% last I checked. Still a...

lazyfabs

I started a thread specific to our situation here https://www.bogleheads.org/forum/viewtopic.php?f=1&t=224798 regarding the use of Muni funds in taxable account. after thinking bit more about the general/global view on the topic i became more curious as to what is the general consensus on approachin...

lazyfabs

Personally, I might pay down the mortgage in place of buying munis (or other bonds in taxable), at least to a significant extent. There are various trade-offs, and I wouldn't drain cash flexibility, but it is worth considering. we have been paying down our mortgage aggressively over the years by ma...

lazyfabs

Splitting your muni allocation between a national fund and a MN fund would be a good idea, just so all your muni eggs aren't in one basket. Or you could stick to stock funds in taxable and increase the allocation to bonds in your 401k . Both good ideas, I would do the latter. If you want to sell bo...

lazyfabs

buy individual 5k munis nothing beats tax free monthly income have done it for 40yrs they are quite safe do not worry about rates if you dollar cost average over many yrs buying individual bonds has always been tad intimidating personally and something have shied away from. but has always been some...

lazyfabs

Summary: -We max out all tax-deferred accounts, 401k, back door roth, etc. -529 and other education/children accounts funded appropriately -Asset allocation historically hovered and maintained in the 65/35 range through the ups and downs of market fluctuations. -mostly invested in index funds both i...

lazyfabs

I have over the last few years been on the fence b/w vwitx and mub (closest comparison to tne new vanguard fund/etf/ since tax rate has gone up and can trade mub free via fidelity and of course no brainer on vanguard re fees. Sinc im on an ipad and dont know how to post screen shots here are 2 links...

lazyfabs

Also, read yestaerday intuit is looking at divesting quicken, turbo tax, and quick books. Actually, the products they want to divest are Quicken, DemandForce and Quickbase. See m And separate discussion here on BH: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=172088 Thanks for the corre...

lazyfabs

I was a pc q user for about 20 yrs. over the last year or so, q15 the program is as buggy as can be. Customer servire appaling. Many complaints on the q forums. I also used parralles and after every update/patch from either parralles and more so from q, it became very frustrating to use. I upgraded ...

lazyfabs

Riprap wrote:
letsgobobby wrote:This means money that could have been spent by you will not be.

Exactly.

I appreciate your thoughtful post, you make many excellent points.

X2

lazyfabs

When i got my first real job with a 401k, i took it upon myself to educated myself on investing, saving, budgeting, etc. i made myself a promise that at 40 i would purchase a rolex submariner if financially able to do so. The idea went and still goes against any of the advice offered by numerous of ...

lazyfabs

Thanks for the feedback everyone. I appreciated the feedback and it was enough for me to spend a number of hours over the last couple of weeks with the free YNAB trial. For those interested here are my thoughts: I can definitely see the value of their approach. If you want to tightly manage cash-fl...

lazyfabs

Recommend visiting this forum http://www.epicski.com you'll get lots of good insight. Its the bogle forum of skiing. If ski in/out is an absolute must you'll probably need to boost that budget. We stay in frisco, 15-30 minutes drive to keystone, breck, copper, vail depending on the resort. The publi...

lazyfabs

Thanks for reply. It's was more of advisory ?. The muni fund is fed and state tax free. We don't need the cash right now. We are in a higher tax bracket and use it to offset bond money in tax deferred accounts. We currently don't hold any other funds @ fido in taxable and use this muni w/in fido b/c...

lazyfabs

Would it make a difference if the holdings in taxable is a national and /or state tax free muni mutual fund if it would be better to reinvest or take as cash?

Thanks

lazyfabs

thanks all for your replies. to answer some of the ? - options vest over 3 years. we also get rsu's that vest after a year. for the rsu's generally we have liquidated after they vest. we also have espp that we liquidate every year once they hit that long term basis. as for the options are plan has a...

lazyfabs

We been accumulating stock options via dw employer. The earliest they will start to expire is 2020. Some have vested others are slowly but sure vesting. We have exercised some vested options to pay for some major home improvements, not plan on exercising any more until right before they expire to un...

lazyfabs

Raid your 401k and buy one of these http://www.earthroamer.com

lazyfabs

we have annual mtg.

lazyfabs

Our kids are of similar age and balances at vanguard 529 is about 20k in vanguard 529 each. Our state doesn't offer in state tax benefit. We contribute on monthly basis now and occasional lump sum from grandparent gifts and such. Out of curiosity do you have $ invested in age based type of funds or ...

lazyfabs

4.25 on 5th year. five to go. it's pay down now.

lazyfabs

Currently we have a mortgage and a HELOCCurrently on our home. We have been aggressively paying the HELOCCurrently over the last 5 years and should have it paid of in the next ~4 years. Currently we have some stock vested stock options that we could sell and pay into principal about ~75%. This would...

lazyfabs

Currently we have money in are taxable accounts (savings, brokerage) that we are looking for some thoughts on how to distribute. Want to maintain a 50/50 split for this money. Half of the money is in a savings account for liquidity purposes. The othe half would like put in either Vanguard S&P 50...

lazyfabs

We are in apposition that if we consolidated our accounts to either Fidelity or Vanguard we would fall under one of these services plans. Currently we have most of our money with Vanguard and on 401k plus misc at Fidelity. We are also pretty much do it ourselves, index type investors. Since the ince...

lazyfabs

We have a xc70 bought it used 08 couple years ago. It's great in the snow, comfy, quiet, solid car. When asked I like to describe it as a Bradley tank w/ heated leather lazy boys. If we were to do it again I would have looked for the turbo version. I believe it is as heavy or a tad less than the xc9...

lazyfabs

What causes savings/interest rates to go up and are there any predictors that they might be going up?

Also, what allows one institution to offer higher rate while oysters don't, i.e. Ally ~.85% vs Wells Fargo ~.1%?

Thanks

lazyfabs

Have you taken into consideration how commissions will affect overall cost by buying mub or other non vanguard etf vs vwitx

lazyfabs

This thread is now in the Personal Finance (Not Investing) forum (passing funds to a beneficiary). The wiki has some background info. See: Inheriting an IRA Thanks for the link and was able to find additional info on 401k specific options. Whomever came up with the rules for after the fact signific...

lazyfabs

sorry for the confusion, but this would not be an inherited tax-deferred account. i was referring say if i die what options does the wife have w/ my 401k, trad ira, roth, etc.

lazyfabs

If at the time one passes, are the options of how your designated survivor takes the money the same for 401k, Trad IRAs, Roth IRAs. Ex: you die leave 401k to significant other does the proceeds need to be cashed out, pay taxes and then reinvested in taxable account, can or does it need to be rolled ...

lazyfabs

knowing that holding this fund in taxable is not the most tax efficient thing to do, has anyone held it in a taxable account for whatever reason or period of time and regret doing so and why?

thanks

lazyfabs

Sidney wrote:Both funds have zero yield. I wouldn't use either one.

we hold etf in our brokerage @ vanguard and have dividends sent to settlement account (only option). we also hold intermediate tax-exempt fund in our taxable account.

lazyfabs

We are in the ~28% tax bracket. while not all are cash is w/ vanguard we do have a nice chunk of it sitting in VMMXX (prime mm) fund. does having it in VMSXX (TE MM) make that much of a difference?

Looking at the after tax numbers, though the difference is minimal the TE has eeked out ahead.

lazyfabs

With all due respect, and as someone who has substantial allocation to Wellesley past 7 years or so, and is happy with fund, anyone who watches performance of Wellesley on a daily basis (or even monthly basis) probably should not be in that fund. Not sure what to recommend, maybe money market or CD...

lazyfabs

link to from the notice, appendix B, that shows how payouts were calculated and link to notice posted on 6/7

https://diamondsclassaction.com

https://diamondsclassaction.com/pdfs/Co ... Notice.pdf

lazyfabs

Are you looking for an actively managed or index fund, or don't care? I don't understand why you would look at after-tax performance for a fund which will be forever locked inside a 401k. roymeo i can go either way on the index vs active. most of our funds our index but do have wellesley and wellin...

lazyfabs

In our 401k the only international fund offered is Dodge & Cox International Institutional (DODFX). After researching, etc. pretty solid fund. Starting next month they will also be offering Vanguard FTSE All-World ex-US Fund Admiral Shares (VFWAX). In comparing both funds DODFX has performed bet...

lazyfabs

Thanks for the replies and confirmation. I looked at how we had set up the split and had it at 75/25 ratio many moons ago.

lazyfabs

In our 401k we have Spartan S&P (FXSIX) and Spartan Entended Market (FSEVX) as stock options. What would be the right ratio using these two funds to most closely recreate TSM?

Thanks

lazyfabs

If holding bonds only w/in TSP, would it be 'better' to split it in some way shape or form b/w F and G to capture a broader spectrum of the bond world?

lazyfabs

Are there any pros or cons in selling the all the restricted stock and taking the short term capital gains tax hit on the $3000 vs keeping the stock options longer and divesting closer to the expiration date?

lazyfabs

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lazyfabs

last year we did the tubbing in frisco. any experience w/ the dog sledding tours and if so appropriate for a 3.5 yo? she would be of age to participate.

@flobes: thanks the the tips. we basically duct tape a water bottle once we clear customs.

thanks for suggestions already provided.

lazyfabs

Any recommendations of things to do with a 3.5 and 5 year old skiers while in Breckenridge. They will spend lot of time in ski school, just looking for ideas outside ski school, be either w/ or w/o skis on.

Thanks and happy skiing

lazyfabs

Like others we have Wellesley in taxable just because we have had it for a while. Currently we hold 1/3 in Wellesley, 1/3 Consumer Staples ETF (VDC), and 1/3 in cash. Comes out to roughly a 50/50 split invested in a conservative and defensive manner. Figure people are not going to stop eating, drink...

lazyfabs

One way a parent prepares a child for later success and simultaneously supports the teacher is by being enthusiastic about school. What did you do at school? Really, that sounds very interesting. Did you get to do it yourself? You can help your child learn to love learning no matter where it occurs...

lazyfabs

In a taxable account account is it more tax efficient to put money in the Tax-Managed Balance Fund or create ones own via use of the 50% Total Stock Market or 500 S&P and 50% Intermediate Tax-Exempt Fund? Aloso, is there a $ amount that it would make a difference for using one version or another...

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