Search found 10831 matches

by DSInvestor
Thu Aug 16, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: fund choices for roth
Replies: 10
Views: 764

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: 11
Views: 515

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: 3038

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: 911

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: 911

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: 1747

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: 917

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: 1457

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: 2065

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: 375

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: 313

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: 496

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: 1663

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: 506

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: 1040

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: 1663

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: 934

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: 917

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: 917

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: 917

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: 917

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...
by DSInvestor
Fri Jul 27, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: How to make inherited Roth last longer?
Replies: 9
Views: 1316

Re: Inherited Roth - how to make it last?… (allocations /RMD w 4 funds)

Your desired asset allocation of 60/40 stock/bond with 70/30 split of US/Intl almost exactly matches the AA of the LifeStrategy Moderate fund VSMGX. Your inherited IRA has an AA of around 47/53 stock bond. Not too far away from your target of 60/40 stock bond. I would not be worried about this being...
by DSInvestor
Fri Jul 27, 2018 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Tell me what's wrong with my strategy
Replies: 105
Views: 7438

Re: Tell me what's wrong w/my strategy Part 2

If adding money monthly, mutual funds will be easier and can be automated. If looking for complete US market without tilts to small cap, consider Vanguard Total Stock Market Admiral VTSAX or VTI ETF as an alternative to your SCHB/VXF mix. Keep it simple. Vanguard FTSE All World Ex-US VEU ETF VFWAX A...
by DSInvestor
Thu Jul 26, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Suggest an electric car: Volt? Alternative?
Replies: 49
Views: 3844

Re: Suggest an electric car: Volt? Alternative?

How many miles on your GTI? I just did a timing belt/seals/water pump on my 97 Camry (worth a lot less than 7K) with 138K miles for around $650. Am original owner and other than a minor oil drip in cold weather, this car has been rock solid. Did you get quotes from other mechanics?
by DSInvestor
Thu Jul 26, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: disposable cell phone
Replies: 19
Views: 1350

Re: disposable cell phone

Shallowpockets, I ONLY want to know if any bogleheads know of an inexpensive disposable cell phone that can be used in Vancouver for 2 days. Have you tried a search for "pre-paid cell phone canada"? I think 7-11 canada offers a pre-paid cell plan and phone. The major (rogers, telus) and minor cell ...
by DSInvestor
Thu Jul 26, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: disposable cell phone
Replies: 19
Views: 1350

Re: disposable cell phone

what cell phone service are you using? Some services, like cricket, allow you to bump up to a higher plan for your trip and then come back down to lower plan. Other providers may offer an add-on option for use outside the US.
by DSInvestor
Thu Jul 26, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Income Limit for Roth IRA contributions
Replies: 13
Views: 1470

Re: Income Limit for Roth IRA contributions

The advantage of the 401k is the pre-tax contribution which, at your level of income, would save you substantial amounts of fed and state income tax. Unfortunately, 401k contributions must be withheld from your paycheck so there is no deciding in late december that you want to contribute an extra 11...
by DSInvestor
Wed Jul 25, 2018 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: 401k allocation help please
Replies: 8
Views: 417

Re: 401k allocation help please

80/20 mix of S&P500 and small cap will be a good approximation of US total stock market and would be a good choice. If your 401k plan has an auto rebalance option, even better. If no auto rebalance option, for max simplicity, you could call the S&P 500 fund as close enough to Total Stock Market and ...
by DSInvestor
Wed Jul 25, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Conduit IRA Requirement
Replies: 28
Views: 1889

Re: Conduit IRA Requirement

IRS considers all non-Roth accounts as one big traditional IRA. You can open a second account, but the IRA basis applies to both accounts. If you know the exact amount of the IRA basis, I suppose you can do a Roth conversion of that amount and then roll everything else into the account. However doin...
by DSInvestor
Wed Jul 25, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a 401k/alternative to savings. 26. Self employed
Replies: 3
Views: 242

Re: Opening a 401k/alternative to savings. 26. Self employed

If you're self employed, consider Solo 401(k). Fidelity has a nice one which they call Self Employed 401k and it offers low cost investment options, accepts inbound rollovers and excellent customer service. I like the Fidelity plan better than Vanguard's Individual 401k which does not accept inbound...
by DSInvestor
Tue Jul 24, 2018 8:55 pm
Forum: Personal Consumer Issues
Topic: Road trip - Dallas to Kalispell MT - which vehicle and must sees
Replies: 30
Views: 2187

Re: Road trip - Dallas to Kalispell MT - which vehicle and must sees

When we drove the million dollar highway, we stopped and had a nice indian meal at Himalayan Kitchen in Durango. https://www.yelp.com/biz/himalayan-kitchen-durango?osq=indian If in the mood for greek food during your trip, there's a great place in Missoula, MT called Greek Pastry Shop #1 gyros. This...
by DSInvestor
Tue Jul 24, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: tax question on index funds
Replies: 10
Views: 1119

Re: tax question on index funds

If 68% of the dividend is qualified, 32% is non-qualified and taxed as ordinary income rather than at the preferential tax rate for Qualified Dividend Income. This results in extra taxes when compared to holding a fund that distributes dividends that are 100% Qualified. The international stock fund ...
by DSInvestor
Tue Jul 24, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Confusion
Replies: 6
Views: 419

Re: Traditional IRA Confusion

If AGI is 43K and you're single, your 2018 Taxable Income = AGI - standard deduction = 43K - 12K = 31K. This puts you in 12% federal tax bracket. Assuming $5500 TIRA deductible contribution at 12% federal tax rate, that's a Fed tax of $660 that you'd save. Not sure what the NYS and/or NYC income tax...
by DSInvestor
Tue Jul 24, 2018 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Confusion
Replies: 6
Views: 419

Re: Traditional IRA Confusion

I want to max out a traditional IRA ($5,500) in order to get a tax deduction. But, there is a 75k income limit in order to claim it. I make 80k a year gross, but I max out my 401(k) and 457(b), making my taxable income only $43,000. Do I qualify to get the full IRA tax deduction? Is my "income" 80k...
by DSInvestor
Tue Jul 24, 2018 2:38 pm
Forum: Personal Consumer Issues
Topic: Road trip - Dallas to Kalispell MT - which vehicle and must sees
Replies: 30
Views: 2187

Re: Road trip - Dallas to Kalispell MT - which vehicle and must sees

Good to know about the passes being available at local REI stores, will pick the next one up locally. If 4 cyl's worked fine for you, I would think our hybrid would be be fine as well, so it's down to preference as to which vehicle we ultimately decide to take. Appreciate the comments. You said in ...
by DSInvestor
Tue Jul 24, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Cablevisions Bill
Replies: 31
Views: 1338

Re: Cablevisions Bill

You can try calling and negotiating. Comcast has been known to lower your monthly cost if you agree to a 1yr contract. Cablevision may do something similar. We've been without cable tv subscription for several years and we don't miss it. My wife is a big baseball fan so we use the MLB.TV service but...
by DSInvestor
Tue Jul 24, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: How do you deal with a bear market?
Replies: 35
Views: 2355

Re: How do you deal with a bear market?

You make sure you have an asset allocation plan. If your plan calls for you to hold 60% stocks, 40% bonds, you can compare your portfolio's holdings against your desired levels. If you see that your portfolio is 90/10 stock/bond, maybe you don't need to buy more stocks - direct all new money to bond...
by DSInvestor
Tue Jul 24, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Income Limit for Roth IRA contributions
Replies: 13
Views: 1470

Re: Income Limit for Roth IRA contributions

I have a question related to this topic. I have a 403b at work. It seems that my income and this fact limits my pretax contributions to a traditional IRA to $0, but I can still make after tax contributions up to $5500. If I do this how will my withdrawals be taxed. I think since the contributions w...
by DSInvestor
Tue Jul 24, 2018 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Split 401k 50/50 roth/traditional [new job]?
Replies: 17
Views: 1121

Re: Split 401k 50/50 roth/traditional [new job]?

I was in high bracket fed and state when I was working. I maxed out Traditional 401k. Roth 401k was not available to me for much of my career. I retired without defined benefit pension and I'm really glad I didn't do any Roth 401k, although I did max out Roth IRA (via backdoor when necessary) after ...
by DSInvestor
Tue Jul 24, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gain on house sales and Medicare Part B
Replies: 7
Views: 636

Re: Capital Gain on house sales and Medicare Part B

When I sold my home, I was eligible for the capital gains tax exemption and the capital gain did not even show up in the first page of my 1040 tax form's Adjusted Gross Income (AGI). This is different from regular tax treatment for capital gains which are included in AGI even if Fed may tax it at 0%.
by DSInvestor
Tue Jul 24, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: Income Limit for Roth IRA contributions
Replies: 13
Views: 1470

Re: Income Limit for Roth IRA contributions

If you're contributing to 403(k) or 403(b), be aware that Traditional 401(k)/403(b) will reduce your AGI and MAGI for Roth IRA purposes. Roth 401(k)/403(b) will not. If you have already contributed to Roth IRA and find that you're ineligible for Roth IRA contributions, you have the option to rechara...
by DSInvestor
Tue Jul 24, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Road trip - Dallas to Kalispell MT - which vehicle and must sees
Replies: 30
Views: 2187

Re: Road trip - Dallas to Kalispell MT - which vehicle and must sees

Appreciate the tips for the Kalispell to MO leg, so many great suggestions! Thanks for the reminder about the annual pass, ordered one with 2nd day delivery just now so we'll have that in hand for the trip. REI stores carry national park annual passes and they have stores in Dallas. The annual pass...
by DSInvestor
Wed Jul 18, 2018 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Question about LTCG and estimated taxes safe harbor.
Replies: 2
Views: 286

Re: Question about LTCG and estimated taxes safe harbor.

She should be fine not paying anything until April. You might feel more comfortable if you look at the form/worksheets and instructions for 1040-ES (and CA 540-ES). I don't see anything there that suggests a different rule if prior yr tax was 0. kaneohe, thank you very much for taking the time to r...
by DSInvestor
Wed Jul 18, 2018 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Question about LTCG and estimated taxes safe harbor.
Replies: 2
Views: 286

Question about LTCG and estimated taxes safe harbor.

My mom (retired) has income at a level that results in zero fed and CA state tax liability in the past few years. For 2018, she will be realizing a long term capital gain from a sale of a home. This is a home that she and her siblings inherited from their father many years ago. She will not be eligi...
by DSInvestor
Mon Jul 16, 2018 2:53 pm
Forum: Personal Consumer Issues
Topic: Perfecting Cold Brew Coffee
Replies: 14
Views: 1312

Re: Perfecting Cold Brew Coffee

I use luzianne White Label Dark Roast with Chicory. A whole 13oz bag and fill up the Filtron. Probably between 1-1.5 liter. https://www.reilyproducts.com/1213-Oz.-White-Label-CC-Bag Filtron: https://www.filtron.com/Filtron-30L-Cold-Water-Coffee-Concentrate-Brewing-System_p_8.html According to Filtro...
by DSInvestor
Mon Jul 16, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Moving taxable to Vanguard with capital gains?
Replies: 11
Views: 567

Re: Moving taxable to Vanguard with capital gains?

Alright I turned off reinvestment of dividends and capital gains and figured out I can send it right to my bank account. I would assume some of my shares would be eligible for long term. Opened the account in 6/2015 with $5k and have invested $2k monthly ever since. I apologize for my lack of knowl...
by DSInvestor
Mon Jul 16, 2018 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Moving taxable to Vanguard with capital gains?
Replies: 11
Views: 567

Re: Moving taxable to Vanguard with capital gains?

mhalley wrote:
Mon Jul 16, 2018 1:42 pm
Good news, trbcx is on the vanguard ntf list, so transferring it in kind means you can take your time making the decision.
https://investor.vanguard.com/mutual-fu ... IntExt=EXT
Nice find.
by DSInvestor
Mon Jul 16, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Moving taxable to Vanguard with capital gains?
Replies: 11
Views: 567

Re: Moving taxable to Vanguard with capital gains?

Option 4: Stop contributing to TRBCX. Stop reinvestment of dividends and capital gains in TRBCX. This will stop acquisition of new short term tax lots. Immediately open taxable at Vanguard(VTSMX then convert to VTSAX after reaching $10k) for the $2k/month contributions. Collect dividends from TRBCX ...
by DSInvestor
Mon Jul 16, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Continue contributing to Roth or switch to Traditional?
Replies: 10
Views: 828

Re: Continue contributing to Roth or switch to Traditional?

See IRS page on IRA deduction limits: https://www.irs.gov/retirement-plans/ira-deduction-limits When one is covered by an employer plan, there is an income limit that if exceeded would disallow TradIRA deduction. If Married Filing Jointly and only one spouse is covered by an employer plan like 401k...
by DSInvestor
Mon Jul 16, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation with multiple retirement accounts
Replies: 10
Views: 858

Re: Asset Allocation with multiple retirement accounts

What are the relative sizes of the accounts? If the portfolio is 70% 403(b), 20% 401(a), 10% Roth IRA, and you seek AA of 40% US, 20% INTL, 40% bond, fund placement could look like this: 403b (70% of total portfolio) 40% total bond (entire bond allocation) 20% Total international (entire internation...