Search found 122 matches

by neo09
Sun Sep 08, 2013 8:33 am
Forum: Local Chapters and Bogleheads Community
Topic: RTP, NC Chapter Meeting Sat September 7, 2013
Replies: 6
Views: 2282

Re: RTP, NC Chapter Meeting Sat September 7, 2013

Thank you everyone on the NC chapter. Especially Steve for arranging the meet and devoting time to it. Special thanks to Ed for sharing his experiences on both academic and applied sides of finance.
by neo09
Fri Aug 09, 2013 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: SEP Question
Replies: 19
Views: 1001

Re: SEP Question

Everything I have seen so far refers to 50,000 being the ceiling for TOTAL amount of money one can put away under all different types of Retirement plans. If I am wrong, I apologize in advance.
by neo09
Fri Aug 09, 2013 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: SEP Question
Replies: 19
Views: 1001

Re: SEP Question

We are an LLC, joinly owned by myself and wife. Back up a minute. Is the LLC being treated as a partnership for federal tax purposes (Form 1065)? You mentioned K-1's, so I'm assuming this is the case. If yes, the LLC establishes the plan and makes contributions to SEP IRAs established by or on beha...
by neo09
Fri Aug 09, 2013 11:53 am
Forum: Investing - Help with Personal Investments
Topic: SEP Question
Replies: 19
Views: 1001

Re: SEP Question

MichDad wrote:I had some self employment income in 2012. When I prepared my taxes using TurboTax earlier this year, the program walked me through how much I could contribute to a SEP IRA. Vanguard helped me open it and it was simple to fund as well.
I will try this approach as well and post my findings back.
by neo09
Fri Aug 09, 2013 11:52 am
Forum: Investing - Help with Personal Investments
Topic: SEP Question
Replies: 19
Views: 1001

Re: SEP Question

I will get those worksheets suggested by some here and run the numbers. The way I understood it, I need to first file (or at least prepare) my 2012 taxes and get the number out of K1 (which is after deductions) and use 25% of that. I will be cautious and do only 20% which is not going to make much d...
by neo09
Fri Aug 09, 2013 9:23 am
Forum: Investing - Help with Personal Investments
Topic: SEP Question
Replies: 19
Views: 1001

Re: SEP Question

I "Think" my answer is here... http://www.obliviousinvestor.com/sep-vs-simple-vs-solo-401k/ SEP IRA SEP IRAs work in almost the exact same way as a traditional IRA. That is, you are allowed an above the line deduction for any contributions you make. The only really important difference is the contri...
by neo09
Fri Aug 09, 2013 9:18 am
Forum: Investing - Help with Personal Investments
Topic: SEP Question
Replies: 19
Views: 1001

SEP Question

Hi All, I recently moved to another state and last year was crazy and complicated in terms of settling as well as working. I had a situation where I took up self-employment for about 4 months and I am filing taxes on all of on an extension basis (Sep '13). Question is.... I know I can open up SEP IR...
by neo09
Sun Aug 04, 2013 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing time
Replies: 8
Views: 1380

Re: Rebalancing time

achieved this rebalance in the past two weeks except for one speculative move.

i kept 10k cash and putting it in TAN (guggenheim solar ETF) feeling green.

thanks for your help, tyler
by neo09
Sun Jul 21, 2013 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing time
Replies: 8
Views: 1380

Re: Rebalancing time

oh ok, I now get what you're trying to say.

So I'll pull that money out, I'd rather stick with broad market index funds.

thank you
by neo09
Sun Jul 21, 2013 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing time
Replies: 8
Views: 1380

Re: Rebalancing time

Hi Tyler, thanks a lot for looking at this portfolio. I don't know why the numbers are adding up to 104.5%, I guess I made a mistake copying stuff from PersonalCapital.com to Google Docs and then locally to an excel sheet. I'll add the numbers again and report back. I can see what you're suggest tho...
by neo09
Sat Jul 20, 2013 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing time
Replies: 8
Views: 1380

Re: Rebalancing time

hi neo, trying to go to a 70/30 allocation or may be 80/20 looking at the advise against bonds lately . i believe you have misunderstood the lessons of the many recent discussions about bonds. replacing bonds (the stable, "fixed income" portion of your portfolio) with equities (the volatile portion...
by neo09
Fri Jul 19, 2013 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing time
Replies: 8
Views: 1380

Rebalancing time

Hello All, I had decided to put my portfolio on autopilot for a year from May 2012 to June 2013 and recently cashed some of the gains (in retirement accounts, mostly bonds) and trying to go to a 70/30 allocation or may be 80/20 looking at the advise against bonds lately. Here's what have have curren...
by neo09
Thu Sep 20, 2012 10:50 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1495766

Re: What Book Are You Currently Reading? Part V

Almost finished with Jeff Shaara's Gods and Generals . Did not like it as well as his World War II books, but perhaps that's because I've never really been that much into the Civil War. You'd think I'd enjoy it because while I sort of know the names of the battles, I don't really know any details--...
by neo09
Thu Sep 20, 2012 9:45 am
Forum: Personal Consumer Issues
Topic: Opinons on buying a car from a rental company such as Hertz?
Replies: 33
Views: 3670

Re: Opinons on buying a car from a rental company such as He

sdaehelgob wrote:a guy I used to work with had a personality defect ...
I do not work with him any more.
because how he treated rental cars ?
by neo09
Mon Sep 17, 2012 12:06 pm
Forum: Personal Consumer Issues
Topic: Really simple point and shoot cameras?
Replies: 17
Views: 1769

Re: Really simple point and shoot cameras?

To me, it seems like there's reasonable amount of frustration with photo transfer.

why not try something like an eye-fi card ?

does the transfers automatically...

https://www.google.com/search?q=eye+fi& ... e&ie=UTF-8
by neo09
Fri Sep 14, 2012 9:00 pm
Forum: Personal Consumer Issues
Topic: Vanguard Customer Service
Replies: 14
Views: 1902

Re: Vanguard Customer Service

note: I sent them the rollover check from my 401k Mine was handled trustee-to-trustee; I never saw a check. When you mailed them the check, did you give them the account number of the Rollover IRA you had established and ask specifically that they place the proceeds in that account? Did you keep a ...
by neo09
Fri Sep 14, 2012 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Morningstar X ray help
Replies: 5
Views: 681

Re: Morningstar X ray help

MegaLuke, you can find most of the terms you described on http://www.investopedia.com/ Everyone reads about these things, even if they don't implement their portfolios using the ideas. Just plug in the terms you want in the search box and fire away. In so many words, these are vitals on an individua...
by neo09
Thu Sep 13, 2012 8:15 pm
Forum: Personal Consumer Issues
Topic: Vanguard Customer Service
Replies: 14
Views: 1902

Re: Vanguard Customer Service

I am genuinely (more) confused :(
by neo09
Thu Sep 13, 2012 8:33 am
Forum: Personal Consumer Issues
Topic: Vanguard Customer Service
Replies: 14
Views: 1902

Re: Vanguard Customer Service

I actually opened the rollover ira account way before I sent them the rollover check from my 401k. they still went ahead and created a NEW IRA account and put all the rollover moneys in it. as for comingling other funds, I am not doing that and don't plan to. I had no clue about conduit ira account ...
by neo09
Thu Sep 13, 2012 6:59 am
Forum: Personal Consumer Issues
Topic: Vanguard Customer Service
Replies: 14
Views: 1902

Vanguard Customer Service

Hi Bogleheads, This one is a rant, for those who are into such things. I know I am not the ideal or perfect customer with a million bucks to invest and put things on autopilot with Vanguard OR to be able to afford /interested in an accountant who takes care of my tax returns. That said, I depend on ...
by neo09
Thu Sep 06, 2012 3:12 pm
Forum: Personal Consumer Issues
Topic: Where to go for computer problems?
Replies: 33
Views: 2925

Re: Where to go for computer problems?

irrevalent reply
by neo09
Sat Aug 25, 2012 3:27 pm
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

Update: Found someone who is relocating to our state via internet. Professional, responsible and hopefully long term renters (at least 2 years). I did a credit check via a real-estate agent and no history of delinquencies or anything questionable on it. They didn't haggle on rent, deposits (2 months...
by neo09
Sat Aug 25, 2012 12:41 pm
Forum: Personal Consumer Issues
Topic: PC purchase advice
Replies: 50
Views: 5896

Re: PC purchase advice

Windows 7 runs great on 4GB of RAM, Windows 8 uses a little less. The only way I can use up all of my 4GB is by running a virtual machine and giving it 2GB of memory or more. There are very few instances that someone would need more than 4GB of RAM. About the best thing you can do performance wise ...
by neo09
Sat Aug 25, 2012 12:30 pm
Forum: Personal Consumer Issues
Topic: PC purchase advice
Replies: 50
Views: 5896

Re: PC purchase advice

Just helped a friend buy a fairly stable, small form factor Lenovo. It hides behind the monitor yet has everything most users need. It has all the modern IO, HDMI etc. and I can't imagine it to be slow for any reason. I am using a similar, but older machine as media center with ubuntu (single boot) ...
by neo09
Mon Aug 13, 2012 11:15 pm
Forum: Personal Consumer Issues
Topic: Using VOIP (internet phone)? Which One?
Replies: 63
Views: 7447

Re: Using VOIP (internet phone)? Which One?

tfb wrote:Ooma!
+1
by neo09
Mon Apr 16, 2012 6:37 pm
Forum: Personal Consumer Issues
Topic: Countertops - value and durability
Replies: 45
Views: 7366

Re: Countertops - value and durability

I made my own, concrete countertop, which has a similar feel to a soapstone, may be not quite as dense. The materials are indeed earthy and it integrates very nicely (I dyed the concrete to give it a color we wanted). We have a very new, updated kitchen and the countertops are wearing very nicely, h...
by neo09
Sun Apr 15, 2012 10:19 pm
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

My neighbor, who'd tried selling was really depressed with how bad the market is, and buyers have no bottom as far as asking price. So I am left with just renting as an option, at least for the next year. I have researched my town's properties for rent. I can easily get $1800. Got a private party re...
by neo09
Sun Apr 15, 2012 2:47 pm
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

"the decision to rent the house out just kicks that recognition down the road a bit" - true Thanks to the bogleheads, I have detached myself from the emotional trauma of this loss. I am fine loosing the money, I have stayed in the house for about 4 years and loosing about 1200/month for that time pe...
by neo09
Sun Apr 15, 2012 11:12 am
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

Comps are in and it seems we'd lose too much money, about 80% of what we'd put in in the house. Add to it, the 6month to a year's wait time to be able to sell this house. I am going to have to put it up for rent. Talked to two local property management firms and got a quote for 8% and 12% of the ren...
by neo09
Fri Apr 06, 2012 2:25 pm
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

Before the OP gets excited about the prior posts concerning the potential benefits of renting out the property, it's my impression that most Primary Residence Loans come with a standard contract that requires the home owner to notify the lender in case of a change of situation. When a Primary Resid...
by neo09
Fri Apr 06, 2012 1:11 pm
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

I have had several young professionals rent from me with no problems. The key points are: -They represent one entity; you are not dealing with each of them separately (although some landlords do this, it is a big hassle with risk imo). One of them needs to be the point person who pays the bills and...
by neo09
Fri Apr 06, 2012 12:26 pm
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

Thanks Travellight, It's a strong case for building equity in long run. We are just starting out and it helps to be cautious. I think in higher rental brackets(our range), there are more trouble-free rentals than lower brackets. Though I have had some inquiries where two or three 35+ professionals w...
by neo09
Fri Apr 06, 2012 12:18 pm
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

I see your point, DeanBrew. Thanks for that Thanks DeanBrew, I agree on having more than one choices, but 6% in this case isn't really that far off from 10% (management inclusive) and hence if I were to pay anything, I will take an all or nothing approach. It's good to know my options, though. I wil...
by neo09
Fri Apr 06, 2012 10:42 am
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

Thanks DeanBrew, I agree on having more than one choices, but 6% in this case isn't really that far off from 10% (management inclusive) and hence if I were to pay anything, I will take an all or nothing approach. It's good to know my options, though. I will be talking to two realtors for a possible ...
by neo09
Fri Apr 06, 2012 10:38 am
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

That's what majority of us are saying. I appreciate your opinion. Generally speaking, I won't even consider any other option. But the way this market is, houses are just not selling (unless deeply discounted), so I have to come up with enough of a game plan for the worst case scenario. We have lost...
by neo09
Fri Apr 06, 2012 8:56 am
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

That's what majority of us are saying. I appreciate your opinion. Generally speaking, I won't even consider any other option. But the way this market is, houses are just not selling (unless deeply discounted), so I have to come up with enough of a game plan for the worst case scenario. We have lost ...
by neo09
Fri Apr 06, 2012 8:37 am
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

Neo09, besides the headache aspect of landlording, does renting out your home make financial sense for you? In other words, would you be able to rent out your place for more than your costs of ownership? And do you make too much money to take the full extent of landlord deductions? That's a challen...
by neo09
Thu Apr 05, 2012 3:10 pm
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

It sucks to sell a house in a down market. I moved from the DC area during a housing slump, when the value of my house was less than I had in it (purchase + upgrades). I decided to rent instead of sell at a loss, and am glad I did. I ended up selling it four years later for a decent gain. In additi...
by neo09
Thu Apr 05, 2012 10:11 am
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Re: Putting up house for Rent Vs. Selling it at a loss

This winter has been delightful, agreed. But, the coming winter may make up for it, just like 2011's brutal winter. Stress up here is on a lot of levels, jobs are an hour away from homes and good locales are not as affordable. Not meant to sound like whiny, because I am completely aware that a lot o...
by neo09
Thu Apr 05, 2012 8:41 am
Forum: Personal Consumer Issues
Topic: Putting up house for Rent Vs. Selling it at a loss
Replies: 38
Views: 3103

Putting up house for Rent Vs. Selling it at a loss

In search of a fresh start, I am really excited about the possibility but I have to make a decision about our house (within 5-6 months). I'd appreciate a word of advise on renting vs owning, the perils of renting and if it would be less "headache" selling at a loss and adding to my capital loss dedu...
by neo09
Thu Nov 17, 2011 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS. They say I owe $13k!
Replies: 37
Views: 6948

Re: Letter from IRS. They say I owe $13k!

Thank you Taylor. In my case, the balance shown is not $13K, its more. But regardless, it's not what I would agree with so numbers don't matter. I had missed filling in my capital gain/loss section on 2009 taxes, and I would only agree to $51 (missed dividend). Everything else was a stock sale (IRS ...
by neo09
Thu Nov 17, 2011 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from IRS. They say I owe $13k!
Replies: 37
Views: 6948

Re: Letter from IRS. They say I owe $13k!

I just got one of these CP2000 notices as well. Since 2009 was the year when my daughter was born, I had very little time or organization for the tax time. I had not filled out any transactions (stocks) for 2009 and hence they are missing cost basis information. I got one notice earlier, showing all...
by neo09
Fri Oct 28, 2011 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: underwater mortgage question
Replies: 7
Views: 1044

Re: underwater mortgage question

I feel your pain, my friend. There are some good programs out there, if you can keep LTV at 80% or more by paying down some of the balance on your old mortgage. If you can keep LTV at that level, and are willing to take upfront loss (considering you will sell at current valuation levels, not 2008). ...
by neo09
Tue Oct 25, 2011 9:39 am
Forum: Personal Consumer Issues
Topic: Where is the best price on K-cups?
Replies: 29
Views: 9053

Re: Where is the best price on K-cups?

There's also a thing called "my k-cup", following is a link. http://www.google.com/products/catalog?q=my+k-cup&um=1&ie=UTF-8&tbm=shop&cid=13849239709381476410&sa=X&ei=tcmmTra6CeLj0gGKx-irDg&ved=0CK4BEPMCMAI Idea is, you can re-fill this and discard used coffee-grounds after each use. It sounds much ...
by neo09
Fri Sep 23, 2011 12:51 pm
Forum: Personal Consumer Issues
Topic: Anyone done DIY attic insulation? Any tips?
Replies: 28
Views: 3885

'some ideas

I just did a DIY attic insulation this year, so I can chip in for some ideas, not advise. I tried cellulose, in going with the green theme, but it was awful between the machines I had to exchange and the material (felt moist) btw, Home depot gives free machine rental with 20 bags min purchase). Then...
by neo09
Wed Sep 21, 2011 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: TLH'ing -and market volatility
Replies: 9
Views: 1564

Re: Taking a tax-loss ?

Hi Bobby: If you sell your fund with a $3,000 loss and with no offsetting gains, you will reduce your taxable income by $3,000. That's a direct tax saving of $1,000 in a 33% tax-bracket. Tax-savvy investors nearly always take a tax-loss when they have the opportunity. Taylor - brevity at its best -...
by neo09
Sat Sep 17, 2011 9:46 am
Forum: Investing - Help with Personal Investments
Topic: VPU in a protfolio
Replies: 5
Views: 1229

An option

An option that works for my AA purposes is VWIAX. It's 70/30 But this is taxable account, do I buy Wellesley fund with this money in taxable or do I trigger a rebalance and all the joy that comes with it ? How about VTMFX in case VWIAX isn't a good option ? This is 50/50, but can shuffle some moneys...
by neo09
Fri Sep 16, 2011 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: VPU in a protfolio
Replies: 5
Views: 1229

BND vs VPU

It didnt occur to me to check the charts etc performance that way.

It makes sense what you said.

I'll stick to my AA.

thanks,
Neo