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No, you don't have to pay taxes. When you fill out your Form 8606, you can round down to the nearest dollar. This has been discussed extensively on whitecoat investor. What xcrunner said, nothing additional needed. And because its a backdoor Roth, the initial IRA contribution was non-deductible, do...

This sounds like a loose belt. Belts squeal when they become loose. Over time belts stretch out by their nature. Most cars have an auto tensioner that take care of this, unless it is maxed out. Not uncommon to have to tighten the belt after replacing it. Two year old belt should not need replacing u...

Andyrunner wrote:I have 2 of these:
http://www.homedepot.com/p/Everbilt-Vin ... /202305571

+1

At your tax bracket traditional I think makes the most sense for 401k trying to keep you out of the 28% bracket. This is a great point. I am in a nearly identical situation as OP, however, our income will be increasing significantly next year. I have been contributing solely to my t401k (non Roth) ...

Seems there is no advantage to investing through her work's 401k if there is no match, especially with those high fees. The advice around here is typically invest in your work 401k until you hit the match and then take the rest to a Roth or Traditional IRA since the fees are much lower and you have ...

You should leave it on to some high set point when you are away, maybe 85F. As you said, it's not so much a temperature issue, it is a humidity issue. You just want your AC to drop the humidity out of the air inside the house in order to prevent from creating an environment where mold/mildew can grow.

Yeah, you are not supposed to do that. You are violating your terms of agreement and could get your account frozen. You really should have her log on periodically to check the balance and transact herself, both to stay out of trouble and to involve her in the finances. Good to know! Wasn't trying t...

But my wife works. So, two separate logins? I just set-up a Roth IRA's on Vanguard for my wife and I (both working). Two separate accounts. I have not done the Authorized Agent, I just sign in to her account when I need to make transfers or changes. Maybe eventually I will get around to filling out...

Do you have an emergency fund? Maxing out 401k? Maxing out a Roth IRA? What he said. Are you putting enough in your 401k to get employer match(if applicable), if not, use that money to do that. If you are putting in enough to get the match, then I would suggest opening a Roth IRA before you place m...

Both of those bond funds are good funds. Since I generally prefer a good index fund over a good actively managed fund, I suggest using WF/BlackRock U.S. Aggregate Bond CIT, ER 0.05%. For international stocks I suggest using WF/BlackRock International Equity Index CIT, ER 0.11%, although American Fu...

It could also be that the University itself is exempt from paying in to social security. I had a family member who worked for a University for 25 years and never paid in to social security as they were participating in a state government pension program.

Thanks Paul, good to know the combination of those three BR funds would mimic a S&P500 fund. Only two options for bond funds are the Dodge & Cox and the WF/BR Aggreg Bond Index. Current asset allocation is approx: 65% US Stock (this includes some AAPL stock I bought ~10 years ago I have just...

Hey All - Been reading on here for a few months and figured it was time to throw out my first post. This site is incredible and I am glad to have stumbled across it. I am 29 years old and have been investing in my company 401k for 7 years now (with match). I am looking for some input on the funds op...