Search found 20 matches

by H-Dog
Fri Jun 30, 2017 10:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Salt Lake City Bogleheads
Replies: 57
Views: 9705

Re: Salt Lake City Bogleheads

I will watch out for another meeting as well.
by H-Dog
Sun Dec 25, 2016 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your finances?
Replies: 79
Views: 9060

Re: How do you track your finances?

I use Personal Capital. It's easy and convenient. Instead of avoiding new tech I embrace it. ... ... It's just that I don't embrace losing the ability to access and learn from all my historical data. ... That is a valid point. However if Personal Capital gets acquired, has to be shut down, or they ...
by H-Dog
Sun Dec 25, 2016 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: New homeowner w/ PAL rule & Savers credit
Replies: 4
Views: 598

Re: New homeowner w/ PAL rule & Savers credit

I plugged the numbers into turbotax and it did not have concerns with deducting the expenses from my W2 income. I did not find anything about ongoing concern as a rental property on IRS publication 925. Turbotax did not ask that question either. I will research it further on IRS website. Thanks for ...
by H-Dog
Sun Dec 25, 2016 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: How do you track your finances?
Replies: 79
Views: 9060

Re: How do you track your finances?

I use Personal Capital. It's easy and convenient. Instead of avoiding new tech I embrace it. It's easy to check all financial transaction history in one place including credit cards, bill pays, ACH transfers etc and they do a great job keeping the platform functional with frequent updates. Personal ...
by H-Dog
Sun Dec 25, 2016 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: New homeowner w/ PAL rule & Savers credit
Replies: 4
Views: 598

Re: New homeowner w/ PAL rule & Savers credit

Yes, that is what I was thinking. It may be tight timewise and maybe we cannot get some things done but I think we can save a bit on taxes. I didn't know about rental income rule that you dont have to report it if its for less than 15 days. Thank you for that! EDIT: if going through with this scenar...
by H-Dog
Sun Dec 25, 2016 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: New homeowner w/ PAL rule & Savers credit
Replies: 4
Views: 598

New homeowner w/ PAL rule & Savers credit

Hi All! Recently we became new homeowners! We closed on the house in December and the old owners are living in the property until they find a larger house on their own.This means they are renting the property back from us and have been doing so for the whole 2016 we owned the property for (less than...
by H-Dog
Sun Apr 24, 2016 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Drafting a Pitch to the Bosses to Switch 401K Providers
Replies: 16
Views: 1445

Re: Drafting a Pitch to the Bosses to Switch 401K Providers

My wife is a teacher and her plan is also with Nationwide that has crazy high fees. I am following this thread and hope that you can get the employer to switch 401k providers. You could be a good case that others like us can go off of to get people to be able to invest in low cost funds (or even if ...
by H-Dog
Tue Dec 29, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Saver's credit
Replies: 21
Views: 1920

Re: Saver's credit

terran wrote:
H-Dog wrote:Last queation: Can i do 3.5k to traditional IRA and 2k to Roth IRA if i dont need to max out the traditional for both of us?
Yes, you can. You can do any combination that adds up to $5.5k for each of you.
Thank you!! I will do that.
by H-Dog
Tue Dec 29, 2015 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Saver's credit
Replies: 21
Views: 1920

Re: Saver's credit

Thank you very much for all of your help! I will wait until all w2s are finalized and then figure out the necessary contribution to traditional IRA to be eligible for this credit. Last queation: Can i do 3.5k to traditional IRA and 2k to Roth IRA if i dont need to max out the traditional for both of...
by H-Dog
Tue Dec 29, 2015 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Saver's credit
Replies: 21
Views: 1920

Re: Saver's credit

I could do a traditional ira for both of us, which should put us below 61k limit? So you haven't contributed to any IRA for you or your spouse for 2015? I would just wait until you have your final W2's from all jobs, and then contribute to both IRA's accordingly to hit your target AGI. If you do yo...
by H-Dog
Tue Dec 29, 2015 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Saver's credit
Replies: 21
Views: 1920

Re: Saver's credit

OP, 1. Did you contribute the max to your 401k. 2. Did your spouse do the same? 3. What would be the AGI for both after these contributions? 4. Are you thinking of doing Roth IRA for each? If so you cannot do a Trad IRA as well. Each of you can do either one of trad or roth ira. the max is 5.5K if ...
by H-Dog
Tue Dec 29, 2015 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Saver's credit
Replies: 21
Views: 1920

Re: Saver's credit

Thank you for all the answers so far! I assume we need to do her contribution before year end? Also can i put in more than 5.5k to her IRA account at fidelity (to be opened)? Or am i limited to 5.5k. We maxed out my 401k and i plan on contributing max to roth for both of us before april 15th, 2015. ...
by H-Dog
Tue Dec 29, 2015 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Saver's credit
Replies: 21
Views: 1920

Saver's credit

Last year we barely did not qualify for savers credit (earned too much), however i did not include my Roth savings to reduce earned income as we were over the limit. I dont think roth could be used anyway to reduce earned income to qualify for this credit. Can anyone confirm if this is correct? Now ...
by H-Dog
Tue Sep 22, 2015 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 557
Views: 325640

Re: Mango prepaid card - 4.8% (effective) APY

I may close my accounts as well.. out of curiosity, does anyone know, if you earn interest while the account is being closed?
by H-Dog
Thu Sep 17, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 557
Views: 325640

Re: Mango prepaid card - 4.8% (effective) APY

So it seems like the only casualty of the MC->VISA change is the higher DD requirement of $500 each month. Do we know if this is a solid requirement or is there a work-around it? Don't really want to close my accounts, but alternatively not sure if I should keep pushing and pulling $500 across to e...
by H-Dog
Tue Sep 15, 2015 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Young couple: overview and directions forward
Replies: 8
Views: 2125

Re: Young couple: overview and directions forward

Thank you all for the answers. I will collect all the info asked for and come back once I have it.
by H-Dog
Wed Sep 09, 2015 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Young couple: overview and directions forward
Replies: 8
Views: 2125

Re: Young couple: overview and directions forward

Thank you for all your help so far! a) What are the 3-4 lowest expense ratio fund choices offered in each fund category (including bond funds and international stock funds) in his 401k? b) What are the 3-4 lowest expense ratio fund choices offered in each fund category (including bond funds and inte...
by H-Dog
Tue Sep 08, 2015 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Young couple: overview and directions forward
Replies: 8
Views: 2125

Young couple: overview and directions forward

Hello all! I have been lurking in and out of this forum and I have finally decided to post. It took some time to prep this post and I hope I got all the information needed. I have learned a lot so far from reading other peopleā€™s posts on the forum. We look forward to hearing back from the community ...