Search found 72 matches

by sari
Sat Apr 16, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Need A Trust Company
Replies: 19
Views: 1785

Re: Need A Trust Company

Which one of these 2 companies seems more reasonable (fees) as a successor trustee for investment/retirement/a home? 1. Local trust company: first $1M: 1% fee; $1-2 M: 0.8%, $2-5 M: 0.6%, over $5 M: negotiable. Minimum fee: $3,000.00. Will hire a realtor to sell home. Will pick their own funds but c...
by sari
Tue Apr 05, 2016 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: Need A Trust Company
Replies: 19
Views: 1785

Re: Need A Trust Company

Hello, Thanks for the reply. I guess a neutral person/cpa firm may hire a realtor to sell the home and place the funds in the trust? I'm not sure how much to pay the potential cpa firm for the sale. Is this even feasible. Should I just have a family member sell the home instead? If you have other su...
by sari
Sat Mar 26, 2016 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Need A Trust Company
Replies: 19
Views: 1785

Need A Trust Company

Hello, We need a trust company for a family revocable trust. We will be the trustee and manager of the trust until our demise. We are considering Vanguard as the custodian for the trust (taxable accounts already with Vanguard and 401k are Vanguard funds; spouse uses other companies for retirement et...
by sari
Fri Mar 04, 2016 7:35 am
Forum: Investing - Help with Personal Investments
Topic: TLH First Time
Replies: 33
Views: 2582

Re: TLH First Time

Thank you both. Needed to understand the process of what to do after TLH and now I do.
by sari
Fri Mar 04, 2016 12:15 am
Forum: Investing - Help with Personal Investments
Topic: TLH First Time
Replies: 33
Views: 2582

Re: TLH First Time

OP here. Sold VTSAX on 1-19-16 (harvested 85K) and bought VLCAX on same day. Bought more shares of VLCAX on 1-20-16 and 2-8-16. Distribution for VLCAX will occur this month. Should I buy back VTSAX now before distribution for VLCAX? Or should I stay with VCLAX until it turns a loss (which may never ...
by sari
Wed Jan 20, 2016 7:04 am
Forum: Investing - Help with Personal Investments
Topic: TLH First Time
Replies: 33
Views: 2582

Re: TLH First Time

Transaction complete. No wash sale warning.
by sari
Tue Jan 19, 2016 9:15 am
Forum: Investing - Help with Personal Investments
Topic: TLH First Time
Replies: 33
Views: 2582

Re: TLH First Time

It's already done with vlcax. Thank you.
by sari
Tue Jan 19, 2016 8:29 am
Forum: Investing - Help with Personal Investments
Topic: TLH First Time
Replies: 33
Views: 2582

Re: TLH First Time

On the phone with vanguard. They want to know how long a plan on staying in this new fund, VLCAX, (exchange from total stock market) before they approve the transaction? what?
by sari
Sun Jan 17, 2016 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: TLH First Time
Replies: 33
Views: 2582

Re: TLH First Time

I meant on 1/19/16 because of the replacement shares?
by sari
Sun Jan 17, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: TLH First Time
Replies: 33
Views: 2582

Re: TLH First Time

Yes, I was trying to TLH 100% of the VTSAX (everything in this fund until today: move it to another fund). Maybe I've missed something crucial about TLH? I didn't consider/understand the replacement shares in this case. Confirmation from Vanguard about the specific id change will take place on 1/19/...
by sari
Sun Jan 17, 2016 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: TLH First Time
Replies: 33
Views: 2582

TLH First Time

Background: Tax rate over 39%, no substantial identical funds in spouse or my account (taxable and tax advantaged); 2 fund portfolio: Total stock market index admiral (VTSAX) in taxable; total bond (VBTLX) in 401K. Trying to tax loss harvest in the VTSAX since it's down by 83K. Info on vanguard site...
by sari
Sat Oct 10, 2015 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: EE Bonds as asset allocation?
Replies: 10
Views: 748

Re: EE Bonds as asset allocation?

My understanding is that it is counted as part of the overall bond allocation but in a taxable account.
by sari
Sat Oct 10, 2015 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: EE/I Bond Rate Predictions for May 1 2015?
Replies: 30
Views: 5010

Re: EE/I Bond Rate Predictions for May 1 2015?

What's wrong with EE bonds per this article? I thinking about buying for I and EE bonds next month. Thanks.
http://www.huffingtonpost.com/terry-sav ... 50060.html
by sari
Sun Sep 27, 2015 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Portfolio
Replies: 14
Views: 1273

Re: Help With Portfolio

As your taxable accounts grow you will have to add bonds there to keep your AA since the contributions to taxable are outpacing the contributions to retirement accounts. In a stock market crash you can sell bonds in retirement accounts to rebalance and add stocks there too. I think your overall AA ...
by sari
Sun Sep 27, 2015 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Portfolio
Replies: 14
Views: 1273

Re: Help With Portfolio

Preferred investing choices. See: https://www.bogleheads.org/wiki/Three-fund_portfolio See: https://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement However you get to a 3-fund portfolio is fine: individual funds/ETFs, or an all-in-one fund. The 3-fund portfolio is recommended for...
by sari
Fri Sep 25, 2015 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Portfolio
Replies: 14
Views: 1273

Re: Help With Portfolio

You should put the money in when you have it, otherwise years may go by and you will miss out on growth :) DId you purposely leave out all International funds? I know some folks advocate 0% and some are all the way at 50% With a past history of sitting out with a large amount of cash, you may need ...
by sari
Thu Sep 24, 2015 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Portfolio
Replies: 14
Views: 1273

Re: Help With Portfolio

What state do you live in, and what are your federal and state marginal tax rates? Kevin 39.6% fed, 5.25% state. Since I don't live in CA or NY, I don't qualify for the state specific tax-exempt muni. So perhaps, VWITX (vanguard intermediate term tax-exempt fund) might help. May consider the additi...
by sari
Thu Sep 24, 2015 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Portfolio
Replies: 14
Views: 1273

Help With Portfolio

Ages: late 40's. Debt: none. Portfolio: low 7 digits. Retirement 10-15 years from now. Current asset allocation: 2 fund portfolio 1. 70-60% stocks (vanguard total stock market index admiral: VTSAX): all in taxable account now. 2. 30-40% bonds (vanguard total bond market index admiral: VBTLX): all in...
by sari
Wed Feb 25, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: S-Corp AND 401K
Replies: 2
Views: 476

S-Corp AND 401K

Thank you for your help in advance. I'm an owner of a small business with 4 employees. It is structured as an LLC but taxed as a sole proprietor. My new accountant is suggesting that I be taxed as a S-corp for 2015 to save more in taxes; this means I will require a W2 (biweekly pay) just like my emp...
by sari
Sat Jan 31, 2015 3:33 pm
Forum: Personal Consumer Issues
Topic: Online Checking Accounts
Replies: 8
Views: 1296

Online Checking Accounts

What are your experiences with any of these online banks? Thank you.

http://finance.yahoo.com/news/10-best-c ... 00430.html
by sari
Thu Jan 29, 2015 6:24 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 7775

Re: Mr. Bogle on CNBC today--International and Bonds

Any data available for the annual returns for the vanguard's 2 funds portfolio (total stock market index, total bond market index) vs. 3 funds portfolio (total stock market index, total bond market index, total international market index). Question is does the 2 funds or 3 funds portfolio perform be...
by sari
Sun Jan 04, 2015 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: CD in a Roth IRA
Replies: 4
Views: 519

Re: CD in a Roth IRA

I have a CD (certificate of deposit) in a Roth IRA at a federal credit union which matures on 3/25/15 ( 15K, rate is 0.399400%). Does it make sense to move the money over to my Vanguard Roth IRA (funded via the back door roth )? Thank you. Do you mean .3% or 3%? It is hard to answer your question w...
by sari
Sun Jan 04, 2015 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: CD in a Roth IRA
Replies: 4
Views: 519

CD in a Roth IRA

I have a CD (certificate of deposit) in a Roth IRA at a federal credit union which matures on 3/25/15 ( 15K, rate is 0.399400%). Does it make sense to move the money over to my Vanguard Roth IRA (funded via the back door roth )? Thank you.
by sari
Tue Nov 25, 2014 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Homeowner's Insurance
Replies: 10
Views: 938

Homeowner's Insurance

If one built a custom home and wants to purchase a homeowner's insurance, should you include the total cost of the materials to build the structure and add the architect/builder's fee/furniture etc to estimate the cost to replace the structure? Thanks in advance.
by sari
Sun Oct 12, 2014 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Funds, Lifeycle Funds
Replies: 4
Views: 596

Re: TSP Funds, Lifeycle Funds

She has about 3K in a fidelity money market account in an IRA from previous employee. Thank you.
by sari
Sun Oct 12, 2014 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Funds, Lifeycle Funds
Replies: 4
Views: 596

TSP Funds, Lifeycle Funds

Please help with TSP funds for a friend: 35 years old, single, 28% tax bracket, assume retirement at age 65, began work for the fed this month. Retirement options: TSP funds (G, F, C, S, I funds, lifecycle). https://www.tsp.gov/investmentfunds/lfundsheet/fundPerformance_L.shtml Questions: 1. The tra...
by sari
Sun Jul 13, 2014 12:54 pm
Forum: Investing - Theory, News & General
Topic: Hardship Withdrawal From 401K/Profit Sharing
Replies: 12
Views: 2080

Re: Hardship Withdrawal From 401K/Profit Sharing

placeholder wrote:My plan requires exhausting other funds in the account before hardship so employer match or after tax would need to be withdrawn first (not sure if that's a plan feature or the law).


This plan doesn't allow for loans.
by sari
Sat Jul 12, 2014 5:50 pm
Forum: Investing - Theory, News & General
Topic: Hardship Withdrawal From 401K/Profit Sharing
Replies: 12
Views: 2080

Re: Hardship Withdrawal From 401K/Profit Sharing

I agree a loan is better if it's feasible. Part of hardship requirements is to consider a possible loan first, unless doing so increases the hardship. I've never heard of a plan requiring a 6 month suspension of elective deferrals following a loan, but it's a requirement following a hardship distri...
by sari
Thu Jul 10, 2014 10:55 pm
Forum: Investing - Theory, News & General
Topic: Hardship Withdrawal From 401K/Profit Sharing
Replies: 12
Views: 2080

Hardship Withdrawal From 401K/Profit Sharing

An colleague wants to withdrawal from his pretax deferrals in a 401k plan. The plan requires at least 1000 hours a year to move up on the vesting ladder. The plan states "if you take a hardship distribution, you may not contribute to the plan or other qualifying company plans for 6 months"...
by sari
Fri Jul 04, 2014 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Converting a Traditional IRA to Roth IRA
Replies: 2
Views: 513

Converting a Traditional IRA to Roth IRA

My sibling just completed graduate school and has 2 traditional IRAs under the money market account with Fidelity with less than 5K total. He will begin working next month with a pay that will qualify him to contribute to a Roth IRA. He will like to move the money into a Lifestrategy growth fund wit...
by sari
Thu Jan 23, 2014 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help with Estate Planning
Replies: 10
Views: 1020

Re: Please Help with Estate Planning

...if you have no heirs you may not need a living trust. ... It's often the opposite. I missed that. Your heirs (the persons who would inherit absent a Will) may be interested parties, so you may have to establish the absence of any heirs. If your closest relatives are your cousins, it can sometime...
by sari
Thu Jan 23, 2014 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help with Estate Planning
Replies: 10
Views: 1020

Re: Please Help with Estate Planning

We have retirement accounts, a home that's paid off and a family LLC for taxable accounts. We have no heirs and no debts. Tax bracket is a little over 39%. Retirement in 20-25 years. Do we need a trust? Other asset protection plans? Thanks for your time. I think we'd like to hear about the benefits...
by sari
Thu Jan 23, 2014 3:21 am
Forum: Personal Finance (Not Investing)
Topic: Please Help with Estate Planning
Replies: 10
Views: 1020

Re: Please Help with Estate Planning

I posted the general question because a friend sent me this link from suze orman which implies that everyone needs a revocable living trust. http://www.bankrate.com/brm/news/Financ ... ?caret=73a
by sari
Wed Jan 22, 2014 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Please Help with Estate Planning
Replies: 10
Views: 1020

Please Help with Estate Planning

We have retirement accounts, a home that's paid off and a family LLC for taxable accounts. We have no heirs and no debts. Tax bracket is a little over 39%. Retirement in 20-25 years. Do we need a trust? Other asset protection plans? Thanks for your time.
by sari
Sat Nov 16, 2013 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: Suze Orman AND Individual Municipal Bonds
Replies: 10
Views: 8146

Suze Orman AND Individual Municipal Bonds

Suze Orman said on her show today to buy individual municipal bonds (not bond funds) through a good advisor as rates are around 5%. How does one pick a "good advisor" in this case? Someone on the show had an additional 100K to invest after her retirement account/debt were fulfilled. Please...
by sari
Sun Nov 03, 2013 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Investment Choices for Kids
Replies: 5
Views: 463

Re: Investment Choices for Kids

Some of the parents already have a 529 set up already which I will contribute, the others are financially unable to set up this account. I'm looking for long term other choices they can you if needed towards college expenses. From a financial aid perspective, it might be better to set up new accoun...
by sari
Sun Nov 03, 2013 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Investment Choices for Kids
Replies: 5
Views: 463

Investment Choices for Kids

For the upcoming holidays, I would like to contribute to an established 529 plan for nieces/nephews (10 kids, ages 2-10, $100 each) instead of the usual toys. Some of the parents already have a 529 set up already which I will contribute, the others are financially unable to set up this account. I'm ...
by sari
Sat Sep 21, 2013 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401K Option
Replies: 10
Views: 787

Re: Roth 401K Option

6) I disagree with your choice of Asset Location. Read this easy to understand paper http://papers.ssrn.com/sol3/papers.cfm? ... id=2317970[/quote]

May you please expand on this? I read the article, but need help understanding which asset locations will be more suitable in my case. Thanks.
by sari
Sat Sep 21, 2013 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Roth 401K Option
Replies: 10
Views: 787

Re: Roth 401K Option

At that tax rate I would stick with the Traditional 401K so you get the current year tax savings. $17,500 x 2 = $35,000 $35,000 x (0.396 + 0.055) = $15,785 less tax paid per year, more than $300K in tax savings over the next 20 years. This is a sure thing that does not require speculation about you...
by sari
Sat Sep 21, 2013 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Roth 401K Option
Replies: 10
Views: 787

Roth 401K Option

Our retirement plan has an option for a Roth 401K. Would this make sense for me to consider? Have over 20 years before retirement. Tax bracket 39.6% (fed) 5.5% (state). No debt. Asset allocation: 70% stocks/30% bonds. Also, is a back door roth IRA part of the equation here? Thanks in advance for you...
by sari
Mon Aug 26, 2013 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: What To Invest in a Taxable Account
Replies: 17
Views: 1820

Re: What To Invest in a Taxable Account

Thank you. So then I leave the lifestrategy fund (80/20) in the tax advantaged account and possibly mimic the same allocation in a taxable account with total stock market + total international = (80%) and munis (20%, munis bond fund or just munis?) to get the 80/20 here also? You certainly could, b...
by sari
Mon Aug 26, 2013 12:28 am
Forum: Investing - Help with Personal Investments
Topic: What To Invest in a Taxable Account
Replies: 17
Views: 1820

Re: What To Invest in a Taxable Account

Perhaps the confusion for me is that I keep reading on these posts (ie. Municipal Bonds - Pro's and Con's) that if you are in a high income tax bracket and have maxed out your retirement plan then the next best placement of fund should be in munis. Assuming I am willing to take changes on losing/ga...
by sari
Sun Aug 25, 2013 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: What To Invest in a Taxable Account
Replies: 17
Views: 1820

Re: What To Invest in a Taxable Account

Let us assume that loosing money is no longer part of the equation. Assuming I can contribute at least 150K yearly to a taxable account and 51K to a tax advantaged account (max for a 401K). What strategy would you recommend to keep an asset location of 70/30-60/40? I'm currently in the 80/20 lifestr...
by sari
Sun Aug 25, 2013 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: What To Invest in a Taxable Account
Replies: 17
Views: 1820

Re: What To Invest in a Taxable Account

I think it is not "have maxed out your retirement plan", but that one has made their tax-advantaged accounts 100% bond funds, so that there is no more room for bond funds except in their taxable account. That's when folks use munis and tax-exempt bond funds. If there is still room in the ...
by sari
Sun Aug 25, 2013 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: What To Invest in a Taxable Account
Replies: 17
Views: 1820

Re: What To Invest in a Taxable Account

To be 80/20 in the 401k and decide that in taxable investing you can't experience any negative change in principal at all makes no sense. The real question is what level of return and risk do you want for your investments as a whole. After that you can locate those investments in accounts according...
by sari
Sun Aug 25, 2013 11:51 am
Forum: Investing - Help with Personal Investments
Topic: What To Invest in a Taxable Account
Replies: 17
Views: 1820

Re: What To Invest in a Taxable Account

This is one I'm thinking about and would like some feed back. Thanks. From Schwab website: "With PIMCO Municipal Bond Ladder managed accounts: Access five professionally managed strategies, available only at Schwab, that seek to generate income by leveraging opportunities in the muni bond marke...
by sari
Sun Aug 25, 2013 11:44 am
Forum: Investing - Help with Personal Investments
Topic: What To Invest in a Taxable Account
Replies: 17
Views: 1820

Re: What To Invest in a Taxable Account

Don't want to lose the money? How about losing a little bit now and then? How about losing 20% sometimes? How about losing 50% once in a while? But also making it all back, too? Also, it is clear from your other investments that you don't mind losing principal every now and then in your other accou...

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