Search found 10860 matches

by DSInvestor
Sat Sep 22, 2018 11:25 pm
Forum: Personal Finance (Not Investing)
Topic: ACA subsidy for >2% owner in Scorp
Replies: 16
Views: 955

Re: ACA subsidy for >2% owner in Scorp

Are you contributing to retirement plans like solo 401k, and/or IRA? If you have HSA compatible health insurance, are you contributing to HSA? These contributions reduce your AGI which will help you stay eligible for the premium tax credit.
by DSInvestor
Tue Sep 18, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Consumer Issue - Storage Unit Rental
Replies: 14
Views: 1115

Re: Consumer Issue - Storage Unit Rental

When I rented a unit at Public Storage, I was able to remove the insurance on unit after one month. I cannot remember if they wanted to see any proof of insurance. At U-Haul, they wanted to see a copy of my homeowner policy at the time of rental.
by DSInvestor
Sat Sep 15, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Rain Jacket recommendations and care
Replies: 32
Views: 2380

Re: Rain Jacket recommendations and care

The DWR (durable water repellent) layer can be revived by putting the jacket in a dryer. Try this after washing your jacket with nikwax tech wash. This is better than washing with harsher detergents which could accelerate loss of DWR. If water does not bead off your jacket after a run in the dryer, ...
by DSInvestor
Sat Sep 15, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Use 401k loan to pay off student loan debt?
Replies: 8
Views: 782

Re: Use 401k loan to pay off student loan debt?

If you don’t want to sell assets, perhaps you and stop reinvestment of dividends in the taxable account and use those dividends to pay off or pay down student loans. How much are you investing each month into your taxable accounts? Perhaps you can redirect some of that money towards your student loan.
by DSInvestor
Sun Sep 09, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth and SEP
Replies: 7
Views: 344

Re: Backdoor Roth and SEP

Are you sure both of your 401(k) plans in 2019 will accept incoming IRA rollovers? Not all do. Wow, didn't realize that. No, I'm not at all sure. I could find out about DW's right now, by talking to her HR department. But for my case, I will not know until I find my next job. How do you think this ...
by DSInvestor
Sun Sep 09, 2018 6:21 pm
Forum: Personal Consumer Issues
Topic: Excessive data usage with Total Wireless
Replies: 5
Views: 356

Re: Excessive data usage with Total Wireless

While some carriers may exempt some types of data (e.g. T-Mobile's plans offer binge on unlimited data for netflix, Hulu, and many other services), it is unlikely that your phone would count the data differently. Perhaps others can chime in on this. I use an iPhone and in settings->cellular, I can s...
by DSInvestor
Sun Sep 09, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 53
Views: 2992

Re: Buying a new Toyota Camry. What extra options if any?

Don't drive the v6 - it isn't an option on the LE. And after you drive a v6 it is hard to want the 4 cylinder. The 4-cyl is underpowered. But I hear you can get it going 80mph going down a mountain. I suppose pwr/underpowered is personal and probably terrain driven, but the 4cyl has something like ...
by DSInvestor
Sat Sep 08, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3603

Re: Subaru: Crosstrek or Outback?

We have an 2013 Outback 2.5i Limited and we love it. No problems parallel parking in cities. Fantastic and comfortable on road trips, driving up forest service roads and camping with 2 adults riding in front, 70lb dog (softwall dog crate for dog in backseat). Our cooler fits in backseat next to dog ...
by DSInvestor
Thu Sep 06, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: How Big of a Mortgage Should We Get?
Replies: 41
Views: 3052

Re: How Big of a Mortgage Should We Get?

Like you, I had enough to pay in cash but as a self employed person with fluctuating income, I wanted a little extra cash cushion. I put down 45% and took out a 30 year mortgage. I made sure to max out all retirement plans, invest in taxable accounts and make extra principal payments on the mortgage...
by DSInvestor
Thu Sep 06, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4163

Re: Vanguard Bars me from changing from admiral share to etf status

I don't work for Fidelity or Schwab or any other financial firm or brokerage firm; the funds are Vanguard Emerging Markets Stock Index Fund Admiral Shares ; Vanguard Small-Cap Index Fund Admiral Shares ; Vanguard Total Stock Market Index Fund Admiral Shares. I'm an American citizen. Are you perhaps...
by DSInvestor
Tue Sep 04, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Tax Deduction vs. Emergency Funds
Replies: 7
Views: 477

Re: Maximizing Tax Deduction vs. Emergency Funds

I had an emergency fund that would have supported me for 2 years without work. I was able to max out retirement plans (Solo 401k and IRA) as well as invest in taxable accounts. I was a consultant for around 15 years and I was only fully employed (50 weeks/yr) for 3 years. I worked around 6 months a ...
by DSInvestor
Tue Sep 04, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with individual stock advice taxable account
Replies: 19
Views: 1301

Re: Need help with individual stock advice taxable account

mortfree wrote:
Tue Sep 04, 2018 7:27 am
Why would you sell Apple?
If Apple was more than 5% of the portfolio, I think it would be fine to sell some of it.
by DSInvestor
Tue Sep 04, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: How to implement Mega Backdoor Roth with Solo 401K?
Replies: 24
Views: 1938

Re: How to implement Mega Backdoor Roth with Solo 401K?

Employee salary deferral (18.5K or 24K if age 50+) attract SS/Medicare tax thru 941 reporting of Corporation. It shows up in W2 box Employer profit share contributions (20K) will not attract SS/Medicare tax and no 941 reporting of Corporation. It will not show up in W2 box Will the above tax treatm...
by DSInvestor
Tue Sep 04, 2018 12:28 am
Forum: Investing - Help with Personal Investments
Topic: Need help with individual stock advice taxable account
Replies: 19
Views: 1301

Re: Need help with individual stock advice taxable account

What is the amount of unrealized capital loss? Perhaps you can sell all the stocks with unrealized losses and also sell some Apple stock using the losses to offset the apple gains.
by DSInvestor
Mon Sep 03, 2018 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: 403b vs Traditional IRA
Replies: 23
Views: 1137

Re: 403b vs Traditional IRA

Traditional 403b contributions are always pre-tax no matter how high your income. Traditional IRA contributions are not always pre-tax (deductible). Those who are covered by an employer sponsored retirement plan with income that exceeds certain limits may be ineligible for the Traditional IRA deduct...
by DSInvestor
Mon Sep 03, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: How to implement Mega Backdoor Roth with Solo 401K?
Replies: 24
Views: 1938

Re: How to implement Mega Backdoor Roth with Solo 401K?

Thanks for suggestions. What are splits of contribution between Solo 401K, Solo Roth 401K? Is 0% Solo 401K, 100% Roth 401K acceptable? I mean employer + employee, around 20K Employee + Elective Deferral (18.5+6)K for 2018. Will able to push all into Solo 401K Roth? In my previous thread, you sugges...
by DSInvestor
Wed Aug 29, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Moving IRA from one fund family to another
Replies: 4
Views: 236

Re: Moving IRA from one fund family to another

You can exchange funds in IRAs without triggering capital gains tax events. The taxable event is when you take money out of the IRA.
by DSInvestor
Wed Aug 29, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Convert company stock to Vanguard IRA?
Replies: 4
Views: 233

Re: Convert company stock to Vanguard IRA?

IRA contributions must be made in cash. I have done mutual fund exchanges from my taxable account into IRA and the result is that shares were sold out of the taxable account thus triggering a capital gains tax event. If you have holdings in your taxable account that have unrealized losses, or perhap...
by DSInvestor
Tue Aug 28, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth question
Replies: 5
Views: 315

Re: Backdoor Roth question

Point well taken. I had not heard of a "mega backdoor Roth" though. How does that work? Mega backdoor Roth is when your 401k plan at work allows for after-tax non-Roth contributions as well as in-service rollover to provide a way to transfer the after-tax non-Roth money out to a Roth IRA every year.
by DSInvestor
Tue Aug 28, 2018 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to implement Mega Backdoor Roth with Solo 401K?
Replies: 24
Views: 1938

Re: How to implement Mega Backdoor Roth with Solo 401K?

Does your spouse participate in the business? If he/she does, you can add him/her to the solo 401k plan and get significantly more tax advantaged space without the need to pay extra to setup and maintain a custom solo 401k plan/documents that would give you the features needed for mega backdoor Roth...
by DSInvestor
Tue Aug 28, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 August - Dollar Cost Averaging vs LumpSum of 420k
Replies: 39
Views: 2890

Re: 2018 August - Dollar Cost Averaging vs LumpSum of 420k

My mom, age 78, just received a similar sum from a sale of of her father's home. I help her with her investments and we invested lump sum into the bond allocation (70%). For the stock allocation (30%), we invested about 1/3 lump sum and will average into the rest over the next 12 months. We set up a...
by DSInvestor
Tue Aug 28, 2018 1:29 am
Forum: Personal Consumer Issues
Topic: Recommend a good SOCK. Yes, I said SOCK!
Replies: 48
Views: 3978

Re: Recommend a good SOCK. Yes, I said SOCK!

Darn Tough socks are the best socks I've ever worn.
by DSInvestor
Thu Aug 23, 2018 9:53 am
Forum: Personal Finance (Not Investing)
Topic: How amend my tax return for a 2017 IRA rollover
Replies: 11
Views: 516

Re: How amend my tax return for a 2017 IRA rollover

Did you do any Roth conversions or withdraw from Trad IRAs last year and did you have any IRA basis? If you had IRA basis, and your rollover to IRA resulted in a non-zero balance in your IRAs as of DEC 31, 2017, that would change the taxable amount of the Roth conversion/withdrawal due to proration ...
by DSInvestor
Thu Aug 23, 2018 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Setting up Backdoor Roth IRA, can't figure out where to stuff IRA
Replies: 20
Views: 1753

Re: Setting up Backdoor Roth IRA, can't figure out where to stuff IRA

Ok, I guess those options are good. All my other accounts have the perfect Fidelity or Vanguard boglehead trifectas in them. In the grand scheme of things it could be a lot worse, but i've been fortunate enough to not have seen such accounts. Short story, these just strike me as slightly messier. O...
by DSInvestor
Wed Aug 22, 2018 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA in peak earning years?
Replies: 8
Views: 854

Re: Roth IRA in peak earning years?

I am confused. Can someone use simple english to explain why the first few answers to this post are recommending doing a backdoor conversion? I thought it is generally best to do backdoor IRA conversions when your income is low so that you pay a lower tax during the conversion. Why would it make se...
by DSInvestor
Mon Aug 20, 2018 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Solo 401k vs Sep Ira vs unique solo401k
Replies: 16
Views: 987

Re: Solo 401k vs Sep Ira vs unique solo401k

I would be in no hurry to realize capital gains triggering Fed Income Tax, State income tax, Federal Net Investment Income tax to make after-tax non-Roth contributions to a 401k. If your taxable account is large and throws off significant dividend income, collect the dividend in cash rather than rei...
by DSInvestor
Mon Aug 20, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Retire and become an Adventure Guide
Replies: 34
Views: 2779

Re: Retire and become an Adventure Guide

One of the things that will be required for any guide is wilderness first aid and/or wilderness first responder certification, probably the latter. NOLS offers Wilderness First Aid (WFA) classes around the country. These are 2 day classes. Great choice for those who want to be better prepared for re...
by DSInvestor
Mon Aug 20, 2018 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Retire and become an Adventure Guide
Replies: 34
Views: 2779

Re: Retire and become an Adventure Guide

An option is not to guide but to volunteer to work on trails. For example, Washington Trails Association (WTA) in Washington state has a backcountry response team which takes volunteers out on trails to do trail work. No demanding clients to look after, beautiful scenery and working with people who ...
by DSInvestor
Mon Aug 20, 2018 8:56 am
Forum: Personal Consumer Issues
Topic: Car alarm '98 Camry ?
Replies: 31
Views: 1489

Re: Car alarm '98 Camry ?

I would think it has less to do with how you unlock the door than how you locked the door the prior time you left it. Do you always lock the door using the key? Or do you sometimes use the fob or perhaps the “lock” button on the inside of the door near the window up/down buttons? Both the fob and t...
by DSInvestor
Thu Aug 16, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: fund choices for roth
Replies: 10
Views: 831

Re: fund choices for roth

sleevelessjerry wrote:
Wed Aug 08, 2018 7:55 am
im self employed ,in 15 % tax bracket
If you're self employed, you should consider using a Solo 401k as well as Roth IRA and Taxable.
by DSInvestor
Wed Aug 15, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k vs Sep Ira vs unique solo401k
Replies: 16
Views: 987

Re: Solo 401k vs Sep Ira vs unique solo401k

I'd go with a standard solo 401k and keep expenses low. Not sure if you're going to get a defined benefit pension but if not, it's nice to have tax deferred, Roth and taxable space in your portfolio.
by DSInvestor
Tue Aug 14, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 3451

Re: Best consumer products - made in USA

Darn Tough socks.
Leatherman multi-tools.
by DSInvestor
Sat Aug 11, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Request for distribution data of Vanguard REIT Index Fund
Replies: 10
Views: 976

Re: Request for distribution data of Vanguard REIT Index Fund

The annual report's financial highlights shows the amount of return of capital, distributions from net investment income, realized capital gains etc per share for 2014, 2015, 2016, 2017 years (ending Jan 31).
by DSInvestor
Fri Aug 10, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Request for distribution data of Vanguard REIT Index Fund
Replies: 10
Views: 976

Re: Request for distribution data of Vanguard REIT Index Fund

I don't know how accurate it is but Yahoo finance has dividend information in the historical data section. Look up the ticker symbol first, then click on historical data tab. You can change time period, show and frequency. Set show to dividends only. https://finance.yahoo.com/quote/VGSIX/history?per...
by DSInvestor
Fri Aug 10, 2018 12:41 am
Forum: Personal Consumer Issues
Topic: Uninsured Motorist coverage
Replies: 30
Views: 1889

Re: Uninsured Motorist coverage

Appreciate all the input. My decision was the min $15K/$30K Or the maximum $500K/$500K Anything in between is only a few bucks I’m guessing go max then, which will match my bodily injury limits If you also buy umbrella policy, your uninsured/underinsured limits probably need to meet some required c...
by DSInvestor
Wed Aug 08, 2018 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k w/457 and Roth IRA-How to balance and allocate
Replies: 19
Views: 1109

Re: Solo 401k w/457 and Roth IRA-How to balance and allocate

thanks for the responses, yes I am pretty sure the account allows to sell total market shares and buy bond shares within the 457 but it is brand new and still in process of being rolled over. What are the tax implications of selling shares and buying bond shares if done in the same account ? For ta...
by DSInvestor
Wed Aug 08, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Seeking ideas for relaxing but not boring vacation
Replies: 19
Views: 1549

Re: Seeking ideas for relaxing but not boring vacation

The weather in Moab, Utah is fantastic in October. Incredibly beautiful scenery. Great for hiking, rock climbing, mountain biking and many other activities. Arches National Park, Canyonlands National Park, Dead Horse Point State Park and numerous BLM areas to explore. Just a bit away are numerous ot...
by DSInvestor
Thu Aug 02, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: Time to sell my 2003 Accord?
Replies: 33
Views: 2183

Re: Time to sell my 2003 Accord?

I am the original owner 97 Toyota Camry with 131K miles (worth less than your car) and I just spent around $750 for a timing belt, water pump, seals, thermostat/seals job. It's been rock solid except it started dripping oil in the winter time after I moved from the south to the north. The replacemen...
by DSInvestor
Thu Aug 02, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: VTEAX - a good tax advantaged bond fund?
Replies: 5
Views: 447

Re: VTEAX - a good tax advantaged bond fund?

Be aware that the Vanguard Tax Exempt Bond index Admiral fund VTEAX has a purchase fee of 0.25%. Vanguard funds tend not to be on no transaction fee lists at other brokerage firms. If you're going to be making many purchases over time, make sure you know if transaction fees apply. For example, Fidel...
by DSInvestor
Wed Aug 01, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Back door Roth conversion help
Replies: 6
Views: 341

Re: Back door Roth conversion help

harmoniousmonk wrote:
Wed Aug 01, 2018 3:07 pm

Anyone know if Vanguard will keep open a tIRA with a 0$ balance?
Yes, they will.
by DSInvestor
Wed Aug 01, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Two solo 401K accounts - Trad and Roth at diff. firms
Replies: 9
Views: 529

Re: Two solo 401K accounts - Trad and Roth at diff. firms

Roth Solo 401k plans are not just Roth, they also offer the ability to make Traditional employee and employer contributions. If you are firm in your desire to use Roth employee salary deferral contributions, perhaps move the whole thing to E-Trade. Are you 100% self employed? Will you have a defined...
by DSInvestor
Tue Jul 31, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: money saving tips for travel to Canada for a month
Replies: 22
Views: 1774

Re: money saving tips for travel to Canada for a month

I agree with the other posters that you MUST be honest with the immigration officers. US citizens are allowed to visit Canada for 6 months in a rolling 12 month period without a visa. I was dating someone in Canada for years and used to visit often, sometimes for months which raises more eyebrows. I...
by DSInvestor
Tue Jul 31, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: placement of Total International Bond in portfolio
Replies: 5
Views: 534

Re: placement of Total International Bond in portfolio

I hold separate funds and chose not to hold Total International Bond. If it came time to use a target or Lifestrategy fund, I would be comfortable with it as an underlying holding in a fund of funds. I like the simplicity of 3 funds.
by DSInvestor
Tue Jul 31, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: West Coast Tour Group Suggestions
Replies: 17
Views: 1101

Re: West Coast Tour Group Suggestions

I have not taken a trip with roadscholar.org, but came across a group while visiting North Cascades National Park and was impressed with the guide. Very well informed and engaging. The guests seemed like they were having fun. Hard not to be impressed when looking at a glacial lake in the North Casca...
by DSInvestor
Tue Jul 31, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: money saving tips for travel to Canada for a month
Replies: 22
Views: 1774

Re: money saving tips for travel to Canada for a month

T-Mobile and certain plans on Cricket work very well in Canada and Mexico and we have used them extensively in canada without any concerns about roaming charges. We use Capital One visa cards while in Canada as there is no foreign transaction fee. Our Costco Visa card also has no foreign transaction...
by DSInvestor
Mon Jul 30, 2018 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation in Taxable acct.
Replies: 11
Views: 961

Re: Allocation in Taxable acct.

Please let us know if you have tax advantaged accounts and the relative sizes of accounts. For example, recommendations on what to hold in taxable accounts will be very different if the portfolio was 90% tax advantaged and 10% taxable rather than 90% taxable and 10% tax advantaged. Please also let u...
by DSInvestor
Mon Jul 30, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k w/457 and Roth IRA-How to balance and allocate
Replies: 19
Views: 1109

Re: Solo 401k w/457 and Roth IRA-How to balance and allocate

I really like this idea(Vanguard Life strategy for the 1 fund accounts) for simplicity sake. Is the .14% expense ratio anything to worry about on the Life Strategy funds? How about FSGDX-Fidelity Global ex US Fund (.1er) ? Is that expense ratio going to be a problem over the long haul? If its a bet...
by DSInvestor
Sun Jul 29, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k w/457 and Roth IRA-How to balance and allocate
Replies: 19
Views: 1109

Re: Solo 401k w/457 and Roth IRA-How to balance and allocate

Also should I be worried about the overlap between 2 total stock market funds across two accounts ? No. Your 457b will hold the entire bond and INTL stock allocations for your total portfolio. The remaining space in 457b is not sufficient to hold the entire Total Stock allocation, so your total sto...
by DSInvestor
Sun Jul 29, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k w/457 and Roth IRA-How to balance and allocate
Replies: 19
Views: 1109

Re: Solo 401k w/457 and Roth IRA-How to balance and allocate

FSGDX-Fidelity Global ex US Fund(.1 er) is an excellent choice for a diversified international stock fund. If that's available in the 457b, use that.
by DSInvestor
Sun Jul 29, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k w/457 and Roth IRA-How to balance and allocate
Replies: 19
Views: 1109

Re: Solo 401k w/457 and Roth IRA-How to balance and allocate

Use your largest account to hold all three asset classes. Use the smaller accounts to hold 1 fund each. If your 457b was 75%, Roth IRA was 20%, Solo 401k was 5%, consider something like this if you were looking for 80/20 stock bond mix: 457b (75% of portfolio): 20% (FSITX) Fidelity U.S. Bond Index F...