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marco1910

Well than I’m lower middle class in Cali, way lower. It seems I’m the demographic that is moving out of state.

marco1910

Understand but it looks like I’m paying about 5k more on the same income. I will adjust my withholding but the SALT cap really hurts

marco1910

2017 - received $3300 refund from the feds
2018 - I own $2200 to the fed

I also have to now pay the fed $1400 each quarter for future 2019 taxes. I live in Cali and not feeling good at the moment. I think the middle class in Cali got screwed.

D

marco1910

Greetings, I'm 61 years old and a couple of years away (I hope) from retirement but am already starting to plan and wondered if someone can point me to either references on how best to withdraw my assets in retirement. I will have about 30% of my total asset in non tax deferred and about 70% in tax ...

marco1910

It can give you freedom of choice to spend your time however you want and yes you can help others with it but ultimately, wealth is a perspective from within

marco1910

Trader Joe's 88% is the best!

marco1910

Greetings, My company just got acquired and the acquisition is set to close in May. We just got an email from our benefits person that our 401k is going to terminate 4/30 in anticipation of acquisition close. We have absolutely no information on the new companies 401k..etc. I am thinking of: 1. Movi...

marco1910

I thought the new movie "Carol" was a great production..set in the 1940's..they did a great job in the period..

marco1910

actually found a lot of prior threads...and I can't delete this so many apologies..

marco1910

Any Boogleheads running Reverse Osmosis systems at home? can you recommend a manufacturer? Also: * 4,5,6, 7 stage? What is the best bang for the buck? Sounds like more stages, more to go wrong * Do I need to add minerals back into the water? Does the system to it? * Any other things I should take in...

marco1910

Unfortunately no..moving iras to 401k not an option.

marco1910

Greetings, Just turned 59. I max out on my 401k every year, don't quality for a Roth, can't backdoor a roth due to a rollover. I have a traditional (non-deductible) IRA. I'm wondering should I contribute for 2014 and 2015. I have the cash. I usually also buy ibonds. Is there an advantage for me with...

marco1910

"Do you have a 401k or similar work plan that will accept your rollover IRA?" Yes..actually it looks like my 401k (Great West Financial) accepts rollover IRAs. What is the advantage to that? I don't consider my 401k plan very good as far as stock/bond selections whereas my rollover IRA has the best ...

marco1910

Greetings, I have an account at brokerage #1 which contains my IRA rollover, traditional IRA (nondeductible) and a Roth IRA (which I opened during a year that I was eligible). I'm been told that if I try and backdoor a Roth IRA that my other IRA's are at risk for being taxed. Could I open an account...

marco1910

I have a 2006 Subaru Forrester XT with 100k+ on it. My next car will be the same car with a new engine..I'm hoping to get 200k+ and for 3-4k you can swap in a new engine and off you go..way cheaper than a new car and this car works for me.

marco1910

I was put into the same position. I think there are some good books. Also check out

https://class.coursera.org/publicspeak-002

80 percent is ensuring the topic is interesting and that you have prepared. The delivery is minor if you have prepared.

marco1910

Greetings, ibonds currently have a composite rate of 1.38% with a fixed rate of only .20%. I have 10k in cash I'd like to invest in ibonds for 2014. With the upward trend in interest rates, is it better to wait until May or November? or should I just purchase all of the ibonds at the end of Jan? I k...

marco1910

what if the funds are in a tax advantage account. Does it matter? I need to rebalance some stock funds and adjust to a more cash position.

marco1910

I'm assuming you are referring to the Channel Islands of Southern California. I've sailed to and around most of them. There are 8 islands with of course the most popular is Catalina. The Navy owns/controls San Clemente and San Nicolas. Catalina is very easy to get to. Santa Barbara island is a small...

marco1910

Greeting My company is transferring our 401k from Mercer to Great West Financial. The funds are basically the same. One issue I see is that they have a 3 week blackout period where you cannot buy or sell any funds. While I rarely trade with my 401k I don't like being locked down, especially with the...

marco1910

Crossfit has a many great body workouts...a good one is called "Cindy". As many rounds as you can do in 20 minutes. Each round consists of 5 pullups, 10 pushups and 15 air squats...try it..you will like it...Mark

marco1910

fyi...I'm 57 and have have about 15x of my yearly salary saved with no heirs..etc so I don't require perservation and can spend it down..I will definately look into a SPIA..

marco1910

Greetings
I understand the 4% rule with retirement withdrawal but I plan to die broke. How would that change my withdrawal rate?

Thanks
Marco

marco1910

i'm new to the backdoor roth, but my research suggests that you are mostly right. you *can* convert just one (or a part) of your IRAs, but you will be struck by the pro-rata rule. given that 250k chunk in your "rollover IRA", i think pro rata takes a roth conversion off the table for you. http://ww...

marco1910

Greetings, My tax preparer has told me I can backdoor my non-deductible IRA into a Roth but I have concerns. Here is the scenario: - I have 4 separate accounts - 1 non-deductible IRA with $12k - 1 Roth IRA with 5k - (I opened this open in 2007. That year I qualified to open a Roth since I was out of...

marco1910

So I have a TIPS fund and a Gold Mining Fund that both have long term capital gains..both in taxable accounts..I was thinking of selling the TIPS fund and move it into a VWITX (tax exempt) for tax reasons and move the gold mining funds into a ETF for costs. It's a very small part of my portfolio but...

marco1910

Hi, I would like to rebalance a number of my assets in my taxable portion of my portfolio. Would it be better to do it this year or next year? Isn't there a good chance capital gains tax will increase next year or is that only if Obama gets re-elected? Should I wait until after the election? I have ...

marco1910

Thanks Browser!..I will review the thread

marco1910

just looking at my Vanguard transaction list and it has "Interest Payment -$xxx" every 6 months..I don't see it actually deducting from the bond amount..

marco1910

Greetings, I purchased a TIPs bond in 2008..(see below) U S TREASURY NOTE INFLATION INDEX NOTE CPN 2.00000 % MTD 2016-01-15 DTD 2006-01-15 The value seems to have appreciated fairly good but the interest payment seems to be negative. How can I determine if the TIP I'm holding is making a reasonable ...

marco1910

ok..I will check my current 401k..this is complex for a novice like me..I have been rebalancing my portfolio to be more tax effiecent..I've been readjusting my funds moving bond funds into my IRA and 401k and mutal funds/index funds into my taxable accounts. Livesoft points seem very valid..it does ...

marco1910

excellent.very good..I will contribute 6k per year for this..I don't qualify for a backdoor as I also have a large IRA from a converted 401k which I don't want to convert (for tax reasons)..bottom line: I can contribute to a IRA (non-deductible) every year regardless of my income. My level of income...

marco1910

Greetings, I am 56 years old. Currently contribute max to my companies 401k, have an emergency fund and buy iBonds every year. My question is can I still contribute to an IRA every year? Due to my salary I don't believe I can deduct the contributions but I am savings the 6k but now just in CD's. Wou...

marco1910

"This recommendation to use short term investment grade bonds for inflation protection is another thing I do."

can you give some examples (Vanguard) of these bond funds and how short term investment grade bonds protect you from inflation?..what about the TIPS fund?

Thanks
Marco

marco1910

Bongleur - where else could you keep you "dry powder" other than under your mattress?

marco1910

yes...Blue, Red, Queensland

marco1910

ACD's

http://just4mav.webs.com/apps/photos/ph ... =124336980

marco1910

pretty much every ACD owner I've spoken too said they are awesome dogs. We have a huge dog park 4 blocks away and a small park across the street. I think we can get the exercise part covered..Adam, thanks for the advice..I like the traits of "Confident and Calm"...btw..what is the Umbrella Test? Tha...

marco1910

There are really principles to live by IMHO and absolutely a great way to live one day at a time!

marco1910

Might be getting one soon. Interested in owners feedback. We are a pretty active couple. We had a Jack Russell Terrier for 15 years. Our research is pointing us to this breed. We will get a puppy or rescue..very interested in additional feedback

Thanks

marco1910

With that said, we have minimized exposure to European banks and governments. We moved money out of money market funds that had significant exposures to these credits and into what we believe are safer assets. That is a move you should consider, What MM funds don't have this exposure? I'm in Vanguar...

marco1910

Ted Greene

http://www.youtube.com/watch?v=zDuee6blvj8

marco1910

I need a top load washer. Looking for good quality but generally lower price (400-600)..thanks

marco1910

There are tons of great workouts that can be done in 10 mins..here is on

10 mins (as many reps as you can)

20 yards broad jumps
30 Kettlebell swings (53 pounds)
30 Double Unders (Jump ropes)

This is a Crossfit workout that is great metabolic conditioning

marco1910

I've been totally impressed with my 2006 Forester XT..Subaru makes great, reliable cars..great in bad weather

marco1910

Thank You Barry..I'm an absolute Mozart freak..I love his work..btw..also a very good book

Mozart Speaks

http://www.amazon.com/Mozart-Speaks-Vie ... 0028713567

marco1910

traditional IRA was funded with post taxed funds (non-deductible) over the last 3-5 years. I'm sure there are some unrealized gains but not much. I was hoping to only convert the traditional account as my rollover has the majority of my retirement funds and it is all funded with pre-tax..my thinking...

marco1910

Hi, I'm 55 years old, I have a 401k, Rollover IRA, Roth IRA (small amount) and a traditional IRA. 100% of my traditional IRA is non-deductible. Can I: 1. Contribute $6000 to my non-deductible IRA for 2010? 2. Than convert the entire traditional IRA (100% non-deductible) to a Roth IRA? Would I be sub...

marco1910

low carb for sure..you need protein and fat..carbs are optional and btw make sure they are dense carbs..remember carbs = sugar

marco1910

I'm 54 and have been doing Crossfit (crossfit.com) and Paleo diet since May and am in the best shape in my life. I've dropped 10 pounds, my body composition has changed dramatically..my BP is now 110/60, no statins, drugs.etc..just good food and hard work (exercise), One of the best decisions I've e...

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Search found 65 matches

Re: [2018 tax return - How does it compare to previous years?]

Re: [2018 tax return - How does it compare to previous years?]

Re: [2018 tax return - How does it compare to previous years?]

tax efficiency advice for retirement withdrawals

Re: Are there any benefits to achieving "great wealth"?

Re: Chocolate Recommendations

company acquisition and 401k transfer

Re: Films or TV with great period sets

Re: Reverse Osmosis System Recommendations

Reverse Osmosis System Recommendations

Re: Should I continue to contribute to my Traditional IRA

Should I continue to contribute to my Traditional IRA

Re: back door roth question

back door roth question

Re: What price are you planning to pay for your next car?

Re: Forced job responsibility putting me in a panic

purchasing ibonds in 2014

Re: Sell before or after dividend?

Re: Channel Islands

Company transferring 401k to great west financial

Re: Pull-ups and Push-ups

Re: 4% rule and dying broke

4% rule and dying broke

Re: backdoor roth confusion

backdoor roth confusion

Re: rebalancing taxable portfolio this year or next

rebalancing taxable portfolio this year or next

Re: Confused over TIP Bond

Re: Confused over TIP Bond

Confused over TIP Bond

Re: IRA Contributions - Non-Deductiable

Re: IRA Contributions - Non-Deductiable

IRA Contributions - Non-Deductiable

Re: Money Mag Article

Who has an Austrialian Cattle Dog?

Need a new washer..what brand? (Kenmore, Maytag, Whirlpool?)

Converting Non-Deductiable IRA to a Roth