Search found 173 matches

by HenryPorter
Wed May 29, 2019 9:42 pm
Forum: Personal Investments
Topic: Partial month employment still allows full month HSA contribution?
Replies: 1
Views: 144

Partial month employment still allows full month HSA contribution?

If I leave my job after a few days into the new month, am I still able to contribute to my HSA for the whole month left? Say, I have my final day of work on the 5th of July, can I make my HSA contribution for all of July? In this case, can I make 7/12 x $3500 = $2041.66 for the 2019 tax year? I have...
by HenryPorter
Fri May 10, 2019 3:11 pm
Forum: Investing - Theory, News & General
Topic: 1966-1982 Stock Market
Replies: 11
Views: 2331

Re: 1966-1982 Stock Market

According to FireCalc if you started with $1,000,000 and made no additions or withdrawals for 17 years starting in 1965, then 17 years later you would have $2,836,792 If you start with $0, but contribute $59,000 a year for 17 years you end up with $1,756,320. The difference measures your loss due t...
by HenryPorter
Sun May 05, 2019 10:10 pm
Forum: Investing - Theory, News & General
Topic: 1966-1982 Stock Market
Replies: 11
Views: 2331

Re: 1966-1982 Stock Market

An associated question to the OP's one. How would an investor done if they dollar cost averaged during the same period versus lumpsum investing?
by HenryPorter
Sat Apr 13, 2019 9:15 pm
Forum: Investing - Theory, News & General
Topic: Converting tIRA to Roth during market dips? (long)
Replies: 1
Views: 337

Converting tIRA to Roth during market dips? (long)

What are the downsides of making a full contribution to a traditional IRA for tax year 2019 with the condition that if the market dips in 2019 like it last December, convert some tIRA holdings to Roth to capture the dip's tax advantages? Instead of going 50% Roth and 50% tIRA for example, just go 10...
by HenryPorter
Tue Apr 02, 2019 9:24 pm
Forum: Personal Investments
Topic: Need help on tax form 8889 for HSA
Replies: 2
Views: 190

Re: Need help on tax form 8889 for HSA

The employer contributions (line 9) include the amount you contributed by payroll deduction, so that line should be $1350. You can contribute $2100 of your own money (line 2) and stay within the $3450 limit. The $60 distribution is independent of the contribution limit. It appears in Part II, on li...
by HenryPorter
Tue Apr 02, 2019 7:02 pm
Forum: Personal Investments
Topic: Need help on tax form 8889 for HSA
Replies: 2
Views: 190

Need help on tax form 8889 for HSA

Trying to fill out the 8889 form for HSAs. Very confused by the process. The IRS instructions are not very helpful. My situation is simple for 2018. I am allowed to contribute up to $3450 for my 2018 HSA. I had one distribution in September 2018 for a doctor bill. It was $60. My employer contributed...
by HenryPorter
Tue Mar 19, 2019 5:41 pm
Forum: Personal Investments
Topic: Roth conversion in 2018 and simultaneous t-IRA contributions
Replies: 1
Views: 171

Roth conversion in 2018 and simultaneous t-IRA contributions

I converted a few thousand dollars of an t-IRA last autumn to a Roth IRA. I have also been contributing to another account's traditional IRA for 2018. There is no tax conflict here right? As far as I know, on my 1040 tax return I will add the Roth conversion income to my gross but can deduct the tra...
by HenryPorter
Thu Feb 28, 2019 11:41 pm
Forum: Personal Investments
Topic: Is it hard to capture tiny profits trading if you are not greedy?
Replies: 21
Views: 1520

Re: Is it hard to capture tiny profits trading if you are not greedy?

Pretty sure the frequent trading rules of the brokerage would kick in. I was thinking about this the other day. I think Vanguard's allowing of a plethora of ETFs to be bought and sold with no commission will entice a lot of short term trading. And I think it will be cause Vanguard to put more restr...
by HenryPorter
Mon Feb 25, 2019 4:53 pm
Forum: Personal Investments
Topic: Question about wash sale rules and IRAs
Replies: 1
Views: 115

Question about wash sale rules and IRAs

If you incur a short term loss in a non-retirement account, you can not buy that security back for 30 days in either a non-retirement or retirement account as far as I know. How about the converse? Can you incur short term losses in a retirement account and be able to buy the losing security in an n...
by HenryPorter
Wed Feb 20, 2019 2:38 pm
Forum: Personal Investments
Topic: Can I transfer my 401k to Vanguard while still employed with my company?
Replies: 11
Views: 1478

Can I transfer my 401k to Vanguard while still employed with my company?

Is it up to each employer's plan policy as whether or not you can transfer a partial amount of your 401k to another custodian? In this case, I am very dissatisfied with the plan my employer currently has. They switched over in 2019. I have had problems with the new 401k company and am not getting is...
by HenryPorter
Wed Feb 20, 2019 1:48 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1037
Views: 90762

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I want to do an indirect transfer of an old HSA to Fidelity. I linked a bank account last year to the old HSA and was able to do contributions to it. I imagine I can transfer money out of the HSA into the bank account. How do I send the money to Fidelity without it coding it as a 2018 or 2019 contri...
by HenryPorter
Mon Jan 07, 2019 7:46 pm
Forum: Personal Investments
Topic: 12 month restriction on transferring HSA's to Fidelity?
Replies: 1
Views: 392

12 month restriction on transferring HSA's to Fidelity?

My employer switched HSA providers for 2019. The previous provider account I want to transfer to Fidelity. That is easy to do, as I called Fidelity and they told me the steps. If I transfer that account now and then, say this summer, I leave my place of employment and want to transfer my workplace H...
by HenryPorter
Mon Dec 31, 2018 11:52 pm
Forum: Personal Investments
Topic: M1 - question about taxes and dividends
Replies: 7
Views: 840

Re: M1 - question about taxes and dividends

Are you going with a Dow Jones pie so as to have a reduced expense ratio? Not 100% sure what the constituents are of the pie, but assuming it is the Dow 30 stocks, you can bypass that altogether and buy the DIA exchange traded fund. The catch is that you have a 0.15% expense ratio for that ETF. It w...
by HenryPorter
Tue Dec 18, 2018 8:31 pm
Forum: Personal Investments
Topic: Is there an easy way to look up Roth IRA conversions totals on Vanguard?
Replies: 8
Views: 341

Re: Is there an easy way to look up Roth IRA conversions totals on Vanguard?

I looked in the Roth IRA where the conversions went to and not in the traditional IRA where the conversions came from. Likewise, the conversions only showed in my Roth brokerage account. I have two additional Roth accounts that are not of brokerage format and no conversions show up in them even tho...
by HenryPorter
Tue Dec 18, 2018 7:51 pm
Forum: Personal Investments
Topic: Is there an easy way to look up Roth IRA conversions totals on Vanguard?
Replies: 8
Views: 341

Re: Is there an easy way to look up Roth IRA conversions totals on Vanguard?

My Roth conversions are labelled "Conversion." I just checked 30 minutes ago to see that I had in fact made conversions in 2018 and the total amounts of them. Want me to post a screen capture? I just checked again. I made an error/omission. I only looked at my non-brokerage IRA rollover account. It...
by HenryPorter
Tue Dec 18, 2018 7:35 pm
Forum: Personal Investments
Topic: Is there an easy way to look up Roth IRA conversions totals on Vanguard?
Replies: 8
Views: 341

Re: Is there an easy way to look up Roth IRA conversions totals on Vanguard?

My Roth conversions are labelled "Conversion." I just checked 30 minutes ago to see that I had in fact made conversions in 2018 and the total amounts of them. Want me to post a screen capture? Yes, it could help. I tried using the conversion box (check box) on the transactions page for each account...
by HenryPorter
Tue Dec 18, 2018 7:10 pm
Forum: Personal Investments
Topic: Is there an easy way to look up Roth IRA conversions totals on Vanguard?
Replies: 8
Views: 341

Re: Is there an easy way to look up Roth IRA conversions totals on Vanguard?

I just stumbled upon the answer I was looking for too. When looking at the {My Accounts} page you look at the {Retirement contributions, distributions and RMD} page and look at distributions, which is what a conversion is labeled as. So, the totals look right as I cross check them. Hope this helps o...
by HenryPorter
Tue Dec 18, 2018 6:44 pm
Forum: Personal Investments
Topic: Is there an easy way to look up Roth IRA conversions totals on Vanguard?
Replies: 8
Views: 341

Is there an easy way to look up Roth IRA conversions totals on Vanguard?

I have been converting some of my STAR fund holdings from a traditional IRA into a Roth account this year. The only way I have to look up the totals for the conversions is to look at transaction history and pick out the $200 transactions ( I did conversions in $200 increments) and add them up. Is th...
by HenryPorter
Thu May 18, 2017 11:30 pm
Forum: Personal Investments
Topic: Did TD Ameritrade raise the IRA minimum purchase for the NL/NTF mutual funds in the past few years?
Replies: 2
Views: 503

Did TD Ameritrade raise the IRA minimum purchase for the NL/NTF mutual funds in the past few years?

I have a Roth account at TDA and purchased a a few of the lower cost mutual funds through them a few years ago and DCA'd into thereafter. The funds in question are PREIX and PBDIX. I swear they had ~ $100 to $250 minimum initial purchase requirements a few years ago with additional purchases of $1 m...
by HenryPorter
Wed May 10, 2017 1:27 pm
Forum: Personal Investments
Topic: Parking cash in Vanguard CDs. How easy is it?
Replies: 5
Views: 1049

Parking cash in Vanguard CDs. How easy is it?

Looking at creating a CD ladder. Vanguard looks like it has competitive rates for the multi-year CDs. Does Vanguard assist much with buying CDs off their site or are you on your own mostly? Is it as easy as putting the CDs in a shopping cart and then going to a check-out page to fund them? The conve...
by HenryPorter
Mon Jan 11, 2016 12:25 pm
Forum: Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 6702

Re: $1.3 Billion Jackpot - How would you invest it?

I live in Maryland and can remain anonymous! Few states can say that. So, is it good advice, if you won the major bucks lottery, to pull up stakes and move to MD and claim your ticket there before the deadline for claiming it? Or do you have to be an established resident with the whole deal of job,...
by HenryPorter
Mon Jan 11, 2016 12:18 pm
Forum: Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 6702

Re: $1.3 Billion Jackpot - How would you invest it?

I live in Maryland and can remain anonymous! Few states can say that. So, is it good advice, if you won the major bucks lottery, to pull up stakes and move to MD and claim your ticket there before the deadline for claiming it? Or do you have to be an established resident with the whole deal of job,...
by HenryPorter
Mon Jan 11, 2016 11:51 am
Forum: Personal Investments
Topic: $1.3 Billion Jackpot - How would you invest it?
Replies: 76
Views: 6702

Re: $1.3 Billion Jackpot - How would you invest it?

Donate enough of it to favorite charities that the tax write off would effectively negate uncle sam getting any of it in taxes.
by HenryPorter
Thu Dec 31, 2015 1:13 pm
Forum: Personal Investments
Topic: How does Vanguard tabulate cost basis for non-IRA accounts?
Replies: 1
Views: 234

How does Vanguard tabulate cost basis for non-IRA accounts?

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by HenryPorter
Mon Dec 21, 2015 2:30 pm
Forum: Personal Investments
Topic: Anyone know why VYM is down today?
Replies: 3
Views: 732

Anyone know why VYM is down today?

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by HenryPorter
Mon Nov 02, 2015 8:33 pm
Forum: Investing - Theory, News & General
Topic: Can a fund w/ a negative NAV growth have a big distribution for the year?
Replies: 6
Views: 639

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by HenryPorter
Mon Nov 02, 2015 7:36 pm
Forum: Investing - Theory, News & General
Topic: Can a fund w/ a negative NAV growth have a big distribution for the year?
Replies: 6
Views: 639

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by HenryPorter
Mon Nov 02, 2015 7:10 pm
Forum: Investing - Theory, News & General
Topic: Can a fund w/ a negative NAV growth have a big distribution for the year?
Replies: 6
Views: 639

Can a fund w/ a negative NAV growth have a big distribution for the year?

I was listening to the Ric Edelman show this weekend and he pointed out FPPFX has an 82% distribution payout yet its NAV was down for the year, on the order of about - 8%. How can a fund distribute a taxable distribution even if its NAV had not accrued a positive gain? This must be an extreme exampl...
by HenryPorter
Mon Nov 02, 2015 6:50 pm
Forum: Investing - Theory, News & General
Topic: What are the trading restrictions on Vanguard ETFs? [Brokerage service]
Replies: 18
Views: 2321

What are the trading restrictions on Vanguard ETFs? [Brokerage service]

From what can find on Vanguard's site, you are limited to 25 round-trip trades per a year for a Vanguard ETF before they will cut you off for 60 days for the ETF. Apparently, there is no minimum holding time for them, unlike TD Ameritrade which requires 60 days holding to avoid a sell commission. Am...
by HenryPorter
Wed Oct 28, 2015 11:28 am
Forum: Personal Investments
Topic: Transferring partial Roth amounts from TDA to Vanguard?
Replies: 7
Views: 857

Re: Transferring partial Roth amounts from TDA to Vanguard?

According to their fee chart "Outbound partial account transfers" are "FREE" for everyone, while "Outbound full account transfers" are $75 for non-Apex and "FREE" for Apex investors. (Apex investors have $100,000 in household assets at TD Ameritrade or make a ridiculous number of trades.) My wife a...
by HenryPorter
Wed Oct 28, 2015 11:11 am
Forum: Personal Investments
Topic: Transferring partial Roth amounts from TDA to Vanguard?
Replies: 7
Views: 857

Transferring partial Roth amounts from TDA to Vanguard?

Has anyone done a partial transfer of Roth IRA assets from TD Ameritrade to Vanguard? I would be transferring some money market funds and still would like to keep my TDA account but just move some money over to Vanguard. What kind of fees should I expect?
by HenryPorter
Fri Sep 18, 2015 9:57 am
Forum: Investing - Theory, News & General
Topic: Question on how long vs short term capital gains work
Replies: 12
Views: 1236

Re: Question on how long vs short term capital gains work

It might benefit the OP, and anyone else, going forward to open a new account number whenever they contribute sizable amounts. I do not know if Vanguard limits the actual amount of accounts you can have, but to keep apples to apples as far as cost basis goes, separate accounts are ironclad.
by HenryPorter
Sun Jun 07, 2015 8:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard offers a DRiP. What stocks are eligible?
Replies: 3
Views: 2027

Re: Vanguard offers a DRiP. What stocks are eligible?

What stocks are eligible for the Vanguard dividend reinvestment plan? :?: You can reinvest dividends in all of Vanguard's funds. For individual stocks the reason for dividend reinvestment plans is to cut out a broker and buy stocks directly form the company. I don't want to keep a DRiP at a another...
by HenryPorter
Sun Jun 07, 2015 7:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard offers a DRiP. What stocks are eligible?
Replies: 3
Views: 2027

Vanguard offers a DRiP. What stocks are eligible?

What stocks are eligible for the Vanguard dividend reinvestment plan?
by HenryPorter
Tue May 26, 2015 10:48 pm
Forum: Personal Consumer Issues
Topic: Cheapest host to buy and sponsor a domain name?
Replies: 13
Views: 1856

Cheapest host to buy and sponsor a domain name?

I have a domain I want to register and use in the future for a site. What are some suggested host services I should use for it?
by HenryPorter
Mon Apr 20, 2015 6:40 pm
Forum: Personal Investments
Topic: Investing in a fund every month
Replies: 26
Views: 3953

Re: Investing in a fund every month

Have you looked at TD Ameritrade and the list of no-transaction fee, no load funds they have? Some of the mutual funds they have you can invest as little as $1 to open them.
by HenryPorter
Tue Feb 17, 2015 10:07 am
Forum: Personal Investments
Topic: Decrease an IRA contribution vs. increasing 401K deductions
Replies: 1
Views: 258

Decrease an IRA contribution vs. increasing 401K deductions

Is there any tangible difference between increasing a 401K deduction versus using the would be paycheck money and putting it in a traditional IRA? I am thinking of increasing the 401K deduction at work and reducing how much I will put in for 2015 tax year IRA contribution. The thing about my workpla...
by HenryPorter
Mon Dec 29, 2014 12:05 am
Forum: Investing - Theory, News & General
Topic: Facebook is Outrageous
Replies: 78
Views: 12995

Re: Facebook is Outrageous

Be the devil's advocate. Buy a few shares of FB and take a chance at them growing to a $1 trillion market cap. Put the shares in your IRA account so that you have low concerns about capital gains right away.
by HenryPorter
Fri Nov 21, 2014 12:10 am
Forum: Investing - Theory, News & General
Topic: how to make money like a billionaire
Replies: 116
Views: 18717

Re: how to make money like a billionaire

http://www.marketwatch.com/story/tony-robbins-tells-you-how-to-make-money-like-a-billionaire-2014-11-18 This article was posted today on MarketWatch that I read sometimes. The rule #1 makes me confident that my overweighing in CDs and safe investments is the right strategy... I am always obsessing ...
by HenryPorter
Tue Nov 11, 2014 5:00 pm
Forum: Personal Investments
Topic: Redeeming I-bonds in January 2015. A couple questions.
Replies: 3
Views: 730

Redeeming I-bonds in January 2015. A couple questions.

I have some paper I-bonds issued in 2003. Thinking about cashing them in after the new year and using the proceeds to fund my Roth IRA. Do I get the full accrued amount as per Savings Wizard's calculations or is there a withholding done at the bank they are cashed at? Also, how do I find out if I ha...
by HenryPorter
Wed Oct 15, 2014 3:45 pm
Forum: Investing - Theory, News & General
Topic: Why does the stock market beat inflation?
Replies: 62
Views: 8312

Re: Why does the stock market beat inflation?

Wouldn't that imply that, given enough time, stocks would keep pace with inflation? Why would they exceed it, and by such a large amount? Basically, it is risk adjusted return. If you knew bonds were gonna pay 10% annually for the next 30 years, you might be inclined to put most of your money into ...
by HenryPorter
Sun Sep 14, 2014 10:01 pm
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 9465

Re: Why do so many think their home is a foolproof investmen

My observations are that home buyers are nudged because they want to nest and/or raise a family and predict they will be in a town enough years for the numbers to pencil out financially. Also, there is a unspoken peer review aspect. Those that own/mortgage a house are considered more "stable" perhap...
by HenryPorter
Tue Sep 09, 2014 11:54 am
Forum: Personal Investments
Topic: Q for those of you over 59.5 YO and a Roth IRA
Replies: 11
Views: 1571

Re: Q for those of you over 59.5 YO and a Roth IRA

Ged wrote:Definitely not. I am planning to pass my Roth accounts to my children.
Just saw this:

http://online.wsj.com/articles/should-i ... =yahoo_itp
by HenryPorter
Sat Sep 06, 2014 5:15 pm
Forum: Investing - Theory, News & General
Topic: Putting it all in VAIPX?
Replies: 6
Views: 1011

Re: Putting it all in VAIPX?

cfs wrote:What in the world is this VAIPX thing?

Decoding the secret - Vanguard Inflation-Protected Secs Adm VAIPX

Thanks for reading.
I'll take that as a no?
by HenryPorter
Sat Sep 06, 2014 5:14 pm
Forum: Personal Investments
Topic: Q for those of you over 59.5 YO and a Roth IRA
Replies: 11
Views: 1571

Re: Q for those of you over 59.5 YO and a Roth IRA

Most of our money is in tax deferred (401k and 403b) so we will not tap our Roths for at least 20 years. I have envision when I am in my 60's I will probably still be working. Contingent plan will be to draw off my traditional IRAs to fund a Roth if tax laws are favorable still then. Flaws in my pl...
by HenryPorter
Sat Sep 06, 2014 4:58 pm
Forum: Personal Investments
Topic: Q for those of you over 59.5 YO and a Roth IRA
Replies: 11
Views: 1571

Q for those of you over 59.5 YO and a Roth IRA

Anybody here who has a Roth IRA and is older than 59.5 years old? Do you have the dividends and/or interest payments sent to another account that is non-IRA?