Search found 18 matches

by pmardo
Sun Mar 19, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: New job for DW; what to do with her 401(k)
Replies: 5
Views: 525

Re: New job for DW; what to do with her 401(k)

Thank you for the helpful replies. I am going to look more into I Bonds and the Schwab PCRA option.

Is there any downside to just leaving her 401(k) with DW's old employer to take advantage of the solid bond offerings in that plan?
by pmardo
Sat Mar 18, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: New job for DW; what to do with her 401(k)
Replies: 5
Views: 525

New job for DW; what to do with her 401(k)

Hello, Bogleheads. I am a longtime reader of the forum. I would first like to extend my gratitude for all that I have learned from this community. My wife is leaving her current employer and joining my employer in approximately one month, after which we will both have access to the investment option...
by pmardo
Sun Feb 08, 2015 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax implication of backdoor Roth IRA
Replies: 3
Views: 1092

Re: Tax implication of backdoor Roth IRA

Check out this site for how to report a backdoor roth ira contribution in turbotax, very helpful:

http://thefinancebuff.com/how-to-report ... botax.html
by pmardo
Sun Jun 01, 2014 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Ideas: Portfolio Review and Questions
Replies: 25
Views: 2637

Re: Out of Ideas: Portfolio Review and Questions

stlutz - yes, they are taxed at a flat rate.
by pmardo
Sat May 31, 2014 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Ideas: Portfolio Review and Questions
Replies: 25
Views: 2637

Re: Out of Ideas: Portfolio Review and Questions

Thank you everyone for your thoughts -- much appreciated.
by pmardo
Fri May 30, 2014 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Ideas: Portfolio Review and Questions
Replies: 25
Views: 2637

Re: Out of Ideas: Portfolio Review and Questions

Any other bogleheads want to chime in? I'm still not sure what our best bond option is:

(i) total bond market in Roth IRA;
(ii) Muni fund in Taxable; or
(iii) PIMCO fund in her 401k (or some other fund?)

Thanks!
by pmardo
Tue May 27, 2014 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Ideas: Portfolio Review and Questions
Replies: 25
Views: 2637

Re: Out of Ideas: Portfolio Review and Questions

I am curious if anyone else has any opinions on which option is best for us. Thanks again bogleheads. :happy
by pmardo
Mon May 26, 2014 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Ideas: Portfolio Review and Questions
Replies: 25
Views: 2637

Re: Out of Ideas: Portfolio Review and Questions

If you follow the link to the PDF in my prior post, on page 3 it lists "Total Expense Ratio" as 0.35% but then lists an additional 0.28% for the "Acquired Fund Fees and Expenses (Underlying Fund)" for a "Total Annual Fund Operating Expenses" of 0.63%.
by pmardo
Mon May 26, 2014 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Ideas: Portfolio Review and Questions
Replies: 25
Views: 2637

Re: Out of Ideas: Portfolio Review and Questions

Thanks, I will look into that. Any thoughts on the Galliard fund in his 401k? I can't quite tell (i) if this is a good bond option, and (ii) if the overall expense ratio is 0.35% or 0.63%?

https://www.schwabplan.com/FundDetail/WGI35.pdf
by pmardo
Mon May 26, 2014 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Ideas: Portfolio Review and Questions
Replies: 25
Views: 2637

Re: Out of Ideas: Portfolio Review and Questions

Thank you everyone for your replies and suggestions. We are still considering whether a muni fund is right for us at this time or if we should pursue one of the other above options with respect to bonds. In the meantime, we invested a portion of our cash ($5k) in our taxable account and slightly inc...
by pmardo
Sun May 25, 2014 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Ideas: Portfolio Review and Questions
Replies: 25
Views: 2637

Re: Out of Ideas: Portfolio Review and Questions

Thanks for the responses. We have never considered tax exempt bond funds so we will have to look more into that option. Bob's not my name - we were not 100% sure we would have to do a backdoor for 2014, but yes we do have some modest investment income from dividends and interest and will likely have...
by pmardo
Sun May 25, 2014 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Out of Ideas: Portfolio Review and Questions
Replies: 25
Views: 2637

Out of Ideas: Portfolio Review and Questions

Hello, Bogleheads. Thank you in advance for taking the time to read our post and for all of your contributions to this great website. We are grateful to have discovered the Boglehead investment approach early in our investment years and are now at the point where our portfolio has become a bit more ...
by pmardo
Thu Apr 11, 2013 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Starter v. Permanent Dwelling
Replies: 6
Views: 832

Re: Starter v. Permanent Dwelling

Thanks for all of the replies. We're going to keep waiting until the right place comes up. We've been renting the same apartment for 6 years now at a very reasonable rental rate, so there really is no rush. We're trying to keep emotions out of the equation. Thanks again.
by pmardo
Wed Apr 10, 2013 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Starter v. Permanent Dwelling
Replies: 6
Views: 832

Starter v. Permanent Dwelling

My wife and I are in the process of searching for our first home. We are both finishing our last year of a professional degree program and will start work full-time in September, leaving us little time to attend to home maintenance. We have looked at a variety of single family homes, and most recent...
by pmardo
Sat Mar 30, 2013 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Reasons for doing FAFSA when you won't qualify for aid?
Replies: 20
Views: 2271

Re: Reasons for doing FAFSA when you won't qualify for aid?

As part of the merit scholarship I receive through my school, I am required to complete a FAFSA each year. Your son's school may have a similar requirement.
by pmardo
Fri Dec 21, 2012 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Tax question
Replies: 11
Views: 898

Re: Tax question

This is also helpful:

http://www.irs.gov/publications/p504/ar02.html

"The filing status you can choose depends partly on your marital status on the last day of your tax year."
by pmardo
Wed Sep 12, 2012 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: [Should I go to] Law School
Replies: 77
Views: 11857

Re: [Should I go to] Law School

I am currently a 3L at a regional school in Michigan. I received a 100% scholarship, am at the top of of my class, and recently received an offer from a large law firm I spent this past summer at to return next year as an associate after taking the bar. So it can be done. It sounds like you are on t...
by pmardo
Sat Jun 09, 2012 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on LLC Operating Agreement for Real Estate
Replies: 5
Views: 722

Re: Advice on LLC Operating Agreement for Real Estate

I would recommend seeking the advice of a lawyer that practices in real estate and corporate law.