Search found 103 matches

by jackal
Wed Oct 17, 2018 11:40 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3509

Re: Car servicing

Own a 2010 Honda Civic and the dealer seems to keep finding new problems and each service runs me 500 or so. Thinking of switching dealers. Any suggestions on where to take my car? Currently I use a Honda dealer. Can you list the problems you've had (describe them) and the ones the dealer found? Ho...
by jackal
Wed Oct 17, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3509

Re: Car servicing

Appreciate the input! I live in Arizona and I’m going to use consumer reports and yelp. Appreciate your help.
by jackal
Wed Oct 17, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3509

Car servicing

Own a 2010 Honda Civic and the dealer seems to keep finding new problems and each service runs me 500 or so. Thinking of switching dealers. Any suggestions on where to take my car? Currently I use a Honda dealer.
Thank you.
by jackal
Tue Sep 25, 2018 8:56 pm
Forum: Personal Consumer Issues
Topic: Water filters and vacuum cleaners.
Replies: 13
Views: 1459

Re: Water filters and vacuum cleaners.

Thank you for the responses.

As to the reason for a water filter, just paranoid since we have a baby on the way! No logical reason I guess.
by jackal
Mon Sep 24, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Nitty Gritty of solo 401k
Replies: 7
Views: 689

Re: Nitty Gritty of solo 401k

Will go with a fully administered plan. Thank you for your help!
by jackal
Mon Sep 24, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Nitty Gritty of solo 401k
Replies: 7
Views: 689

Re: Nitty Gritty of solo 401k

Thank you for your input.
Having the mega back door roth option and being able to hold money in different "buckets" is important to me and seems like that degree of customization is absent with vanguard. Hence getting a customized plan.
by jackal
Mon Sep 24, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: Nitty Gritty of solo 401k
Replies: 7
Views: 689

Nitty Gritty of solo 401k

Looking at setting up a 401(k)-solo for spouse+I: The business is going to make about $100k this year and $250k next year. Accountant filing taxes as PLLC taxed as an S-Corp. Intend to have a plan that allows for pre-tax/ROTH 401k contributions, Profit sharing contributions and VAT with non hardship...
by jackal
Sat Sep 22, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Water filters and vacuum cleaners.
Replies: 13
Views: 1459

Re: Water filters and vacuum cleaners.

Thank you!
by jackal
Sat Sep 22, 2018 8:14 am
Forum: Personal Consumer Issues
Topic: Water filters and vacuum cleaners.
Replies: 13
Views: 1459

Water filters and vacuum cleaners.

In the market for a good water filter: something that removes most contaminants since a baby is on the way! Any suggestions? Previously had a multi pure but not sure if I can install anything in my fiancé’s apartment and so thinking of a stand-alone unit. Also saw roomba 985 at Costco for under $500...
by jackal
Fri Sep 21, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Attorney Says Putting tIRA in a Revocable Trust is "Complicated" - True?
Replies: 45
Views: 3298

Re: Estate Planning Attorney Says Putting tIRA in a Revocable Trust is "Complicated" - True?

That’s interesting. My understanding was that a customized solo 401k can be a trust account. Is that inaccurate or are iras treated differently from 401ks?
by jackal
Thu Sep 06, 2018 8:48 am
Forum: Investing - Theory, News & General
Topic: Structuring a solo K
Replies: 8
Views: 906

Re: Structuring a solo K

Thank you! You guys rock as always!
by jackal
Mon Sep 03, 2018 7:52 am
Forum: Investing - Theory, News & General
Topic: Structuring a solo K
Replies: 8
Views: 906

Re: Structuring a solo K

Thank you for the clarification. Talked to a couple of companies. The first was suggested on bogleheads(discount401k) and the firm stated they would provide plan documents and help with basic questions but would not track contributions or growth. This was much cheaper than the second service that wo...
by jackal
Sun Sep 02, 2018 5:06 pm
Forum: Investing - Theory, News & General
Topic: Structuring a solo K
Replies: 8
Views: 906

Re: Structuring a solo K

Vanguard only allows option 0.5. A single pooled account for all participants and sub-accounts. I vote for a minimum of option 2 at custodians that support this. Why go through the bother of calculating sub-accounts. Also, technically there is also sub-accounting based the distributable nature of t...
by jackal
Sun Sep 02, 2018 9:00 am
Forum: Investing - Theory, News & General
Topic: Structuring a solo K
Replies: 8
Views: 906

Structuring a solo K

If I design a custom solo K to include husband and wife and set up a trust account with a brokerage firm, what is the best way to set it up: Assumption: Would use pretax contributions (401k+profit sharing), 401k-ROTH contributions and VAT contributions with moving the money to 401k ROTH or a ROTH IR...
by jackal
Sun Sep 02, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 70
Views: 9215

Re: Pre nups.

Thank you all for the input and perspectives. We did sign the prenup a few days back. It was a sad experience for me bringing it up but over the years, I've come to see that life can be unpredictable (just like the stock market...). We can both put in our very best but how we evolve over time remain...
by jackal
Mon Jun 25, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 70
Views: 9215

Re: Pre nups.

Thank you all for your insights. Will get a lawyer for me and ask her to do the same.
by jackal
Mon Jun 25, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 70
Views: 9215

Re: Pre nups.

HueyLD wrote:
Mon Jun 25, 2018 5:06 pm
Remember, AZ is a community property state and a pre-nup does not protect you from community assets and liabilities.

This is what you pay an attorney for.
Meaning an attorney can help separate out the assets? Or prenups don’t work in a community property state?
by jackal
Mon Jun 25, 2018 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Pre nups.
Replies: 70
Views: 9215

Pre nups.

Do the two parties in a pre nup require different attorneys or can one attorney suffice? How does one find a reasonable attorney in AZ. Basically we just want to say everything mine remains mine now or after marriage, everything hers is hers and everything joint is joint. Does it also protect one pa...
by jackal
Thu May 24, 2018 4:40 am
Forum: Investing - Theory, News & General
Topic: Physicians, new tax law, PLC and investing.
Replies: 9
Views: 1205

Re: Physicians, new tax law, PLC and investing.

Yes, i did not mean to imply that the mathematical ideal nor the ultra aggressive approach is what should happen. In our practice distributions end up usually somewhere from 20-40% of total comp. The greater struggle is finding ways to reduce overall comp and tax. With a practice you usually have r...
by jackal
Thu May 24, 2018 4:38 am
Forum: Investing - Theory, News & General
Topic: Physicians, new tax law, PLC and investing.
Replies: 9
Views: 1205

Re: Physicians, new tax law, PLC and investing.

From a pure math perspective the ideal number is to have wage income at about 28% of total comp Ideal does not make it remotely "reasonable". The IRS has made reasonable compensation a priority over the last several years. There have also been multiple court cases this decade directly on point. Thi...
by jackal
Thu May 24, 2018 4:35 am
Forum: Investing - Theory, News & General
Topic: Physicians, new tax law, PLC and investing.
Replies: 9
Views: 1205

Re: Physicians, new tax law, PLC and investing.

From a pure math perspective the ideal number is to have wage income at about 28% of total comp Note, as a professional service corp, the pass thru deduction begins to phase out above $325k of taxable income anyway, and is completely gone at $425k, assuming married filing jointly. At least thats wh...
by jackal
Thu May 24, 2018 4:33 am
Forum: Investing - Theory, News & General
Topic: Physicians, new tax law, PLC and investing.
Replies: 9
Views: 1205

Re: Physicians, new tax law, PLC and investing.

I think you had a typo and meant you have a PLLC. You need to clarify, because by itself a PLLC is just like an LLC in that by default the IRS considers it a disregarded entity. They will consider you self-employed and file taxes as a sole proprietor on Schedule C/SE. Only if you elect to be treate...
by jackal
Thu May 24, 2018 4:29 am
Forum: Investing - Help with Personal Investments
Topic: Not too late to open a SEP? And Backdoor ROTH?
Replies: 3
Views: 358

Re: Not too late to open a SEP? And Backdoor ROTH?

Thank you for the clarification. So, one can contribute to SEP this year for last year contributions (2017 contributions), open a new solo-K this year, roll over the SEP to the solo K this year (rollover 2017 SEP contributions to 2018 solo K in 2018) and contribute to the solo K for 2018 while doing...
by jackal
Tue May 22, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Not too late to open a SEP? And Backdoor ROTH?
Replies: 3
Views: 358

Not too late to open a SEP? And Backdoor ROTH?

It is my understanding that I could open and fund a SEP IRA for 2017 as long as I've requested an extension on my taxes, right? Also, I do a back door ROTH. If I put the money in a SEP IRA for last year and then roll the money into a solo-401k prior to december this year, it would not affect my back...
by jackal
Fri Apr 27, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: Physicians, new tax law, PLC and investing.
Replies: 9
Views: 1205

Physicians, new tax law, PLC and investing.

A physician with his own PLC makes 450k gross and 375 net. He contributes 55k to a 401k putting him at 320k. How does he figure out what portion is the salary and what is dividend. How can he use the 20% pass tax benefit in the new law. How does this change if he made say 75k more? Is there a certai...
by jackal
Tue Apr 10, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/ SEP-IRA vs 401k question.
Replies: 7
Views: 456

Re: 403b/ SEP-IRA vs 401k question.

Gotcha. Thank you.
by jackal
Tue Apr 10, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/ SEP-IRA vs 401k question.
Replies: 7
Views: 456

Re: 403b/ SEP-IRA vs 401k question.

OK, focuses the discussion. It does not matter whether it is a one-participant 401k, SEP IRA or a SIMPLE IRA. All annual additions from all employer retirement plans of all businesses > 50% owned by a 403b participant must be aggregated with the annual additions of the 403b. The maximum employer co...
by jackal
Tue Apr 10, 2018 7:20 am
Forum: Investing - Help with Personal Investments
Topic: 403b/ SEP-IRA vs 401k question.
Replies: 7
Views: 456

Re: 403b/ SEP-IRA vs 401k question.

This was something I found when I googled, in case it is helpful: https://www.doughroller.net/retirement-planning/sep-ira-for-the-part-time-self-employed-who-also-contribute-to-a-401k/ The issue I am running into is a conflicting message from even accountants :( Edited to add another link: https://w...
by jackal
Tue Apr 10, 2018 7:18 am
Forum: Investing - Help with Personal Investments
Topic: 403b/ SEP-IRA vs 401k question.
Replies: 7
Views: 456

Re: 403b/ SEP-IRA vs 401k question.

I am assuming you misspoke when you said "403b from a business". A commercial business can not adopt a 403b. A 403b is adopted by public schools, 501(c)(3) tax-exempt organizations, and certain ministers. There is a single employee elective contribution limit, 2017 = $18K and 2018 = $18.5K for all ...
by jackal
Mon Apr 09, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: 403b/ SEP-IRA vs 401k question.
Replies: 7
Views: 456

403b/ SEP-IRA vs 401k question.

1. If I have a 403b from a business I work for and also have a corporation that earns money when I work for a locum job, the combined employee contribution for 403b and 401k is 18500 and total contribution limit is 55000 but if I choose the SEP IRA, I could defer 55000 in each of the 403b and SEP-IR...
by jackal
Fri Mar 30, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Can I max out 2 457s?
Replies: 9
Views: 982

Re: Can I max out 2 457s?

In almost the highest tax bracket now. So tax implications are likely offset by the tax Deere’s growth. Anyways impossible to know all the details upfront. Thank you all for the input:-)
by jackal
Fri Mar 30, 2018 4:41 am
Forum: Investing - Help with Personal Investments
Topic: Can I max out 2 457s?
Replies: 9
Views: 982

Re: Can I max out 2 457s?

Coordinating contributions among all 457(b) plans straight from the horse's mouth: https://www.irs.gov/retirement-plans/irc-457b-deferred-compensation-plans The two types of 457 plans are 457(b) plans ("eligible") and 457(f) plans ("ineligible"). You have not clarified which of these two your previ...
by jackal
Fri Mar 30, 2018 4:15 am
Forum: Investing - Help with Personal Investments
Topic: Can I max out 2 457s?
Replies: 9
Views: 982

Re: Can I max out 2 457s?

Coordinating contributions among all 457(b) plans straight from the horse's mouth: https://www.irs.gov/retirement-plans/irc-457b-deferred-compensation-plans The two types of 457 plans are 457(b) plans ("eligible") and 457(f) plans ("ineligible"). You have not clarified which of these two your previ...
by jackal
Thu Mar 29, 2018 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Can I max out 2 457s?
Replies: 9
Views: 982

Re: Can I max out 2 457s?

Called the custodian, fidelity, and was told that since one is an eligible plan and the other is ineligible, I can contribute to both and max them. Also a colleague is putting more than 18l each in a 457b(non qualified) and a 457f. All these alphabets make me dizzy:-( Can’t find anything online. Any...
by jackal
Thu Mar 29, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Can I max out 2 457s?
Replies: 9
Views: 982

Can I max out 2 457s?

Until the start of this year I was with a state and had access to a 457 that can be rolled into an ira. I believe that’s a 457g right? I was able to put in about 10k before the account closed. Now I have access to a 457 that can’t be rolled into an ira(?457b) via a NPO. Can I put in 18500 into this ...
by jackal
Thu Mar 29, 2018 2:27 pm
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 98
Views: 17091

Re: 2017 Relative Tax Efficiency

Any idea if the tax strategies of dimensional for funds such as dtmvx or dwusx add value above and beyond say ijs or vss? Looking at it, the long term tax cost impact of dwusx seems to be lower but not sure if I’m misreading it. I looked at the prospectus on the public portal and am guessing that i...
by jackal
Tue Mar 27, 2018 2:54 am
Forum: Investing - Theory, News & General
Topic: 2017 Relative Tax Efficiency
Replies: 98
Views: 17091

Re: 2017 Relative Tax Efficiency

Any idea if the tax strategies of dimensional for funds such as dtmvx or dwusx add value above and beyond say ijs or vss? Looking at it, the long term tax cost impact of dwusx seems to be lower but not sure if I’m misreading it. I looked at the prospectus on the public portal and am guessing that in...
by jackal
Sun Mar 25, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Are the following rollovers/conversions allowed?
Replies: 9
Views: 687

Re: Are the following rollovers/conversions allowed?

[quote="Earl Lemongrab" post_id=3847162 time=<a href="tel:1522002629">1522002629</a> user_id=54311] [quote=jackal post_id=3847003 time=<a href="tel:1521995649">1521995649</a> user_id=16857] Thank you for the clarification. The check was made in favor of “custodian fbo client” and promptly deposited...
by jackal
Sun Mar 25, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Are the following rollovers/conversions allowed?
Replies: 9
Views: 687

Re: Are the following rollovers/conversions allowed?

Thank you for the clarification. The check was made in favor of “custodian fbo client” and promptly deposited. So guess it is exempt from the once per year rule. No assets were withheld but I did have an option to withhold taxes and decided not to. So guess multiple transfers between custodians is o...
by jackal
Sun Mar 25, 2018 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Are the following rollovers/conversions allowed?
Replies: 9
Views: 687

Are the following rollovers/conversions allowed?

Looking to consolidate all my accounts and want to make sure this can be done so as to not violate any ira rules. Can a person: A. Contribute to a t Ira and convert it to a Roth in Jan. B. Move money from a prior 401k (with pre and after tax contributions) to the same t Ira and Roth in March. The 40...
by jackal
Mon Mar 19, 2018 7:14 pm
Forum: Investing - Theory, News & General
Topic: Question for Robert T/ people familiar with factor analysis.
Replies: 10
Views: 1613

Re: Question for Robert T/ people familiar with factor analysis.

Thank you for the detailed analysis. Are there any idiosyncratic risks with under 500-600 holdings? DTMVX has over 1000 holdings. Assuming the IJS index tracks the most Small valuey 600 stocks, how can another fund tracking over 1000 stocks have a similar factor load? Do ijs and viov not track the s...
by jackal
Sat Mar 17, 2018 7:19 pm
Forum: Investing - Theory, News & General
Topic: Question for Robert T/ people familiar with factor analysis.
Replies: 10
Views: 1613

Re: Question for Robert T/ people familiar with factor analysis.

In my opinion, you left off the very best one of them all, IJS/VIOV - .25/.20 respectively. It's a really well constructed take on small value, especially because the underlying value-blend/growth index has a persistent value tilt, even in the growth index . So even though it has more than half the...
by jackal
Sat Mar 17, 2018 5:13 pm
Forum: Investing - Theory, News & General
Topic: Question for Robert T/ people familiar with factor analysis.
Replies: 10
Views: 1613

Re: Question for Robert T/ people familiar with factor analysis.

That was really helpful! Thank you. So guess all three are ok funds assuming I have a Factor load in mind? Vbr May be better unless I need a higher load given a alpha that is closer to zero. But this isn’t statistically clear. Is that a fair conclusion?
Thank you.
by jackal
Fri Mar 16, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Question for Robert T/ people familiar with factor analysis.
Replies: 10
Views: 1613

Re: Question for Robert T/ people familiar with factor analysis.

Did check portfoliovisualiser there and hence the conclusions. Probably not apples-to-apples, eg VBR is about 10% REITs, but DFFVX has a REIT screen, and RZV lacks a de facto quality screen. Also, An assumption of factor regressions is that factors are independent. This assumption is falsified by fa...
by jackal
Fri Mar 16, 2018 2:37 pm
Forum: Investing - Theory, News & General
Topic: Question for Robert T/ people familiar with factor analysis.
Replies: 10
Views: 1613

Question for Robert T/ people familiar with factor analysis.

Let us consider 3 funds: VBR (Vanguard small cap value) DTMVX/ DFFVX (Dimensional TV-US) RZV (Guggenheim small cap value) Based on my understanding, factor loading for VBR< DTMVX/ DFFVX< RZV However looking at past returns since the market downturn, RZV>VBR>DTMVX. Pure factor exposure would expect: ...
by jackal
Fri Mar 02, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Does a Conversion make sense?
Replies: 1
Views: 314

Does a Conversion make sense?

At what point does a pre-tax Traditional to ROTH conversion make sense in the following scenarios? Assume: Taxes are paid from taxable account. Returns= 7% real. If no conversion, the amount would be invested in a fund with a tax cost ratio <0.7 1. No major taxable accounts (For instance, only taxab...
by jackal
Sun Feb 25, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: ROTH conversion taxation
Replies: 2
Views: 390

ROTH conversion taxation

Let us assume someone has 550k in pretax rollover Ira and each year contributes 5500 to a t Ira and converts 5500 to Roth. Assume 10% growth (for ease of math) Year 1: 99/100 of the contribution is taxable and becomes a Roth. Year 2: the balance in rollover is 605k. A after tax T Ira contribution of...
by jackal
Fri Feb 23, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: DFA prospectus question
Replies: 2
Views: 310

Re: DFA prospectus question

Neither have I. However every fund I looked up has this disclosure. Any idea how to dig in deeper to see what this means?
by jackal
Thu Feb 22, 2018 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: HSA sucks: Help
Replies: 9
Views: 1972

Re: HSA sucks: Help

nope... only over the year!
by jackal
Thu Feb 22, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: DFA prospectus question
Replies: 2
Views: 310

DFA prospectus question

Just saw this in a DFA fund prospectus: Is this concerning or standard industry practice? "If you purchase the Portfolio through a broker-dealer or other financial intermediary (such as a bank), the Portfolio and its related companies may pay the intermediary for the sale of the Portfolio shares and...