Search found 248 matches
- Fri Aug 04, 2017 11:01 am
- Forum: Investing - Help with Personal Investments
- Topic: High tax bracket, AMT, state taxes - best approach
- Replies: 13
- Views: 1816
Re: High tax bracket, AMT, state taxes - best approach
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...
- Wed Aug 02, 2017 6:24 pm
- Forum: Investing - Help with Personal Investments
- Topic: Questioning use and viability of Muni in taxable account
- Replies: 15
- Views: 1572
Re: Questioning use and viability of Muni in taxable account
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...
- Wed Aug 02, 2017 5:50 pm
- Forum: Investing - Help with Personal Investments
- Topic: High tax bracket, AMT, state taxes - best approach
- Replies: 13
- Views: 1816
Re: High tax bracket, AMT, state taxes - best approach
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 ...
- Wed Aug 02, 2017 5:20 pm
- Forum: Investing - Help with Personal Investments
- Topic: Questioning use and viability of Muni in taxable account
- Replies: 15
- Views: 1572
Re: Questioning use and viability of Muni in taxable account
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...
- Wed Aug 02, 2017 5:16 pm
- Forum: Investing - Help with Personal Investments
- Topic: High tax bracket, AMT, state taxes - best approach
- Replies: 13
- Views: 1816
High tax bracket, AMT, state taxes - best approach
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...
- Wed Aug 02, 2017 4:21 pm
- Forum: Investing - Help with Personal Investments
- Topic: Questioning use and viability of Muni in taxable account
- Replies: 15
- Views: 1572
Re: Questioning use and viability of Muni in taxable account
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...
- Wed Aug 02, 2017 4:19 pm
- Forum: Investing - Help with Personal Investments
- Topic: Questioning use and viability of Muni in taxable account
- Replies: 15
- Views: 1572
Re: Questioning use and viability of Muni in taxable account
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...
- Wed Aug 02, 2017 4:15 pm
- Forum: Investing - Help with Personal Investments
- Topic: Questioning use and viability of Muni in taxable account
- Replies: 15
- Views: 1572
Re: Questioning use and viability of Muni in taxable account
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...
- Wed Aug 02, 2017 8:50 am
- Forum: Investing - Help with Personal Investments
- Topic: Questioning use and viability of Muni in taxable account
- Replies: 15
- Views: 1572
Questioning use and viability of Muni in taxable account
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...
- Thu Aug 27, 2015 6:19 pm
- Forum: Investing - Help with Personal Investments
- Topic: Which tax-exempt bond fund ??
- Replies: 37
- Views: 9168
Re: Which tax-exempt bond fund ??
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...
- Fri Aug 21, 2015 11:32 am
- Forum: Personal Finance (Not Investing)
- Topic: Switch from Quicken (Windows) to iBank5/Moneydance on Mac?
- Replies: 7
- Views: 1654
Re: Switch from Quicken (Windows) to iBank5/Moneydance on Mac?
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 http://www.marketwatch.com/story/intuit-plans-to-sell-businesses-including-quicken-2015-08-20 And separate discussion here...
- Fri Aug 21, 2015 8:32 am
- Forum: Personal Finance (Not Investing)
- Topic: Switch from Quicken (Windows) to iBank5/Moneydance on Mac?
- Replies: 7
- Views: 1654
Re: Switch from Quicken (Windows) to iBank5/Moneydance on Mac?
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 ...
- Wed Aug 05, 2015 8:59 pm
- Forum: Investing - Help with Personal Investments
- Topic: $13 Million Goal for Early Retirement (am I crazy?)
- Replies: 160
- Views: 27717
Re: $13 Million Goal for Early Retirement (am I crazy?)
X2Riprap wrote:Exactly.letsgobobby wrote:This means money that could have been spent by you will not be.
I appreciate your thoughtful post, you make many excellent points.

- Wed Aug 05, 2015 8:17 pm
- Forum: Personal Consumer Issues
- Topic: Buying a Rolex Watch
- Replies: 171
- Views: 22354
Re: Buying a Rolex Watch
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 ...
- Tue May 26, 2015 4:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: YNAB a good subsitute for Quicken?
- Replies: 43
- Views: 10651
Re: YNAB a good subsitute for Quicken?
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...
- Thu Dec 18, 2014 12:15 pm
- Forum: Personal Consumer Issues
- Topic: Denver area ski in/out lodging?
- Replies: 22
- Views: 2135
Re: Denver area ski in/out lodging?
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...
- Wed Sep 03, 2014 7:27 am
- Forum: Investing - Help with Personal Investments
- Topic: Reinvest dividends and capital gains?
- Replies: 44
- Views: 8492
Re: Reinvest dividends and capital gains?
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...
- Wed Sep 03, 2014 4:23 am
- Forum: Investing - Help with Personal Investments
- Topic: Reinvest dividends and capital gains?
- Replies: 44
- Views: 8492
Re: Reinvest dividends and capital gains?
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
Thanks
- Wed Aug 27, 2014 7:00 am
- Forum: Investing - Theory, News & General
- Topic: Best time to exercise stock options
- Replies: 10
- Views: 1647
Re: Best time to exercise stock options
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...
- Tue Aug 26, 2014 12:17 pm
- Forum: Investing - Theory, News & General
- Topic: Best time to exercise stock options
- Replies: 10
- Views: 1647
Best time to exercise stock options
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...
- Tue Jul 15, 2014 3:11 pm
- Forum: Personal Consumer Issues
- Topic: Buying a camper
- Replies: 26
- Views: 4809
Re: Buying a camper
Raid your 401k and buy one of these http://www.earthroamer.com
- Mon Jun 30, 2014 9:25 pm
- Forum: Personal Finance (Not Investing)
- Topic: Who do you talk with about your financial goals?
- Replies: 158
- Views: 14078
Re: Who do you talk with about your financial goals?
we have annual mtg.
- Fri Jun 20, 2014 3:54 pm
- Forum: Investing - Help with Personal Investments
- Topic: Too Much in 529's?
- Replies: 25
- Views: 2384
Re: Too Much in 529's?
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 ...
- Fri Apr 11, 2014 4:16 pm
- Forum: Personal Finance (Not Investing)
- Topic: Paying off HELOC
- Replies: 2
- Views: 471
Re: Paying off HELOC
4.25 on 5th year. five to go. it's pay down now.
- Thu Apr 10, 2014 2:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: Paying off HELOC
- Replies: 2
- Views: 471
Paying off HELOC
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...
- Thu Apr 10, 2014 1:21 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard S&P 500 vs Total Stock
- Replies: 17
- Views: 3796
Vanguard S&P 500 vs Total Stock
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 500 or...
- Fri Mar 21, 2014 9:49 am
- Forum: Personal Finance (Not Investing)
- Topic: Fidelity Private Client Gr vs Vanguard Flagship services
- Replies: 3
- Views: 1377
Fidelity Private Client Gr vs Vanguard Flagship services
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...
- Wed Aug 14, 2013 11:20 am
- Forum: Personal Consumer Issues
- Topic: Opinions on Volvo V70/XC70
- Replies: 24
- Views: 5541
Re: Opinions on Volvo V70/XC70
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...
- Thu Jul 18, 2013 8:14 am
- Forum: Investing - Theory, News & General
- Topic: Savings/CD rates
- Replies: 4
- Views: 695
Savings/CD rates
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
Also, what allows one institution to offer higher rate while oysters don't, i.e. Ally ~.85% vs Wells Fargo ~.1%?
Thanks
- Tue Jun 25, 2013 2:57 pm
- Forum: Investing - Help with Personal Investments
- Topic: MUB a decent ETF for Muni exposures
- Replies: 5
- Views: 1380
Re: MUB a decent ETF for Muni exposures
Have you taken into consideration how commissions will affect overall cost by buying mub or other non vanguard etf vs vwitx
- Fri Jun 21, 2013 7:18 am
- Forum: Personal Finance (Not Investing)
- Topic: Designated survivor ? [Designated beneficiary]
- Replies: 5
- Views: 699
Re: Designated survivor ?
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...
- Thu Jun 20, 2013 7:27 pm
- Forum: Personal Finance (Not Investing)
- Topic: Designated survivor ? [Designated beneficiary]
- Replies: 5
- Views: 699
Re: Designated survivor ?
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.
- Thu Jun 20, 2013 11:53 am
- Forum: Personal Finance (Not Investing)
- Topic: Designated survivor ? [Designated beneficiary]
- Replies: 5
- Views: 699
Designated survivor ? [Designated beneficiary]
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 ...
- Tue Jun 18, 2013 6:38 pm
- Forum: Investing - Help with Personal Investments
- Topic: wellesley in taxable account
- Replies: 1
- Views: 565
wellesley in taxable account
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
thanks
- Mon Jun 17, 2013 4:58 pm
- Forum: Investing - Theory, News & General
- Topic: Prime MM vs Tax-exempt MM
- Replies: 3
- Views: 426
Re: Prime MM vs Tax-exempt MM
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.Sidney wrote:Both funds have zero yield. I wouldn't use either one.
- Mon Jun 17, 2013 4:44 pm
- Forum: Investing - Theory, News & General
- Topic: Prime MM vs Tax-exempt MM
- Replies: 3
- Views: 426
Prime MM vs Tax-exempt MM
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.
Looking at the after tax numbers, though the difference is minimal the TE has eeked out ahead.
- Thu Jun 13, 2013 8:01 pm
- Forum: Investing - Theory, News & General
- Topic: Wellesley Income
- Replies: 16
- Views: 2208
Re: Wellesley Income
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...
- Tue Jun 11, 2013 8:10 am
- Forum: Personal Finance (Not Investing)
- Topic: Debeers Class Action Lawsuit - Get some money back
- Replies: 42
- Views: 7780
Re: Debeers Class Action Lawsuit - Get some money back
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
https://diamondsclassaction.com
https://diamondsclassaction.com/pdfs/Co ... Notice.pdf
- Tue Jun 04, 2013 7:38 pm
- Forum: Investing - Help with Personal Investments
- Topic: 401k conundrum...
- Replies: 6
- Views: 826
Re: 401k conundrum...
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...
- Tue Jun 04, 2013 6:04 pm
- Forum: Investing - Help with Personal Investments
- Topic: 401k conundrum...
- Replies: 6
- Views: 826
401k conundrum...
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 better ...
- Tue Jun 04, 2013 11:14 am
- Forum: Investing - Theory, News & General
- Topic: Ratio to recreate TSM
- Replies: 5
- Views: 485
Re: Ratio to recreate TSM
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.
- Tue Jun 04, 2013 8:46 am
- Forum: Investing - Theory, News & General
- Topic: Ratio to recreate TSM
- Replies: 5
- Views: 485
Ratio to recreate TSM
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
Thanks
- Tue Jun 04, 2013 7:55 am
- Forum: Investing - Help with Personal Investments
- Topic: TSP G fund as only bond fund
- Replies: 57
- Views: 6472
Re: TSP G fund as only bond fund
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?
- Tue May 14, 2013 4:26 pm
- Forum: Investing - Help with Personal Investments
- Topic: Selling NQ Stock Options & Tax Brackets
- Replies: 30
- Views: 2069
Re: Selling NQ Stock Options & Tax Brackets
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?
- Tue May 14, 2013 12:15 pm
- Forum: Investing - Help with Personal Investments
- Topic: Selling NQ Stock Options & Tax Brackets
- Replies: 30
- Views: 2069
- Mon Feb 25, 2013 10:47 pm
- Forum: Personal Consumer Issues
- Topic: Breckenridge, CO
- Replies: 5
- Views: 990
Re: Breckenridge, CO
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.
@flobes: thanks the the tips. we basically duct tape a water bottle once we clear customs.
thanks for suggestions already provided.
- Sun Feb 24, 2013 12:18 pm
- Forum: Personal Consumer Issues
- Topic: Breckenridge, CO
- Replies: 5
- Views: 990
Breckenridge, CO
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
Thanks and happy skiing
- Thu Jan 24, 2013 12:18 pm
- Forum: Investing - Theory, News & General
- Topic: Anyone else holding Wellington/Wellesley in taxable?
- Replies: 19
- Views: 3502
Re: Anyone else holding Wellington/Wellesley in taxable?
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...
- Thu Jan 17, 2013 9:07 pm
- Forum: Personal Finance (Not Investing)
- Topic: Is Preschool worth it? for $5,000?
- Replies: 50
- Views: 5927
Re: Is Preschool worth it? for $5,000?
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...
- Sat Dec 22, 2012 7:15 pm
- Forum: Investing - Theory, News & General
- Topic: Tax-Managed Balance Fund vs others
- Replies: 3
- Views: 626
Tax-Managed Balance Fund vs others
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 for...