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Kerdaboy

I'm confused, was the laptop sold as a Refurbished unit or as New? Hi 2retire, It is a custom build to order new alienware 13 r3 with the oled panel from dell.com. It is not refurbished. In one of my interactions with them, after they tried to tell me cosmetic damage did not qualify and I brought u...

Kerdaboy

Hi everyone, Thanks for all your advice. I may file a complaint with my state's attorney general's office. I do have everything that are non phone documents (emails, twitter direct messaging with their support, and customer service chat logs ) chronologically as well as the dates and times of import...

Kerdaboy

Hello, I had purchased a new laptop from dell/alienware over black friday, after a month delay it finally arrived at the start of Christmas week. However there was some melted plasticy material about 1/3 the size of a credit card that extended from the screen hinge to the top of the keyboard. I had ...

Kerdaboy

Was wondering if anyone has had any experience with this situation? In early 2015 when I was filing my 2014 taxes, I realized a work bonus made me eligible only for a partial roth ira (did a regular roth ira for the full 5500 in 2014. I ended up re characterizing what amounted to the 1040 of roth ir...

Kerdaboy

If you go to the cash management webpage of fidelity it indicates January 4th there will be new information regarding the 2% fidelity card: https://www.fidelity.com/cash-management/overview Does anyone have any experience as what typically happens to the people already with the card if they end up c...

Kerdaboy

Ah okay.

Thank you both BL and grabiner for your help

Kerdaboy

Hello, I had bought some additional VWO shares in a taxable account in August. I noticed that Vanguard shows dividends on 9/29/15 and today 12/23/15. Since then it has lost a good amount of money so I had planned to tax lost harvest with IEMG. I saw the following the wiki regarding tax lost harvesti...

Kerdaboy

Thanks Livesoft, appreciate your insights!

Kerdaboy

Hello, I had a question on the actual execution of a tax loss harvesting opportunity. When tax loss harvesting and picking a tax loss fund to exchange to, do you just pay the commission fee or transfer the money to another brokerage that has the alternative fund commission free? I have read a lot of...

Kerdaboy

Thank you again Alan!

Kerdaboy

Hi Alan,

Thanks again for your help. And when I convert my partial traditional ira from 2014 to a roth ira, the taxes would actually be due for the 2015 tax year correct since I am converting in 2015? I was reading the finance buff and they had an article that seemed to indicate so.

Thank you!

Kerdaboy

Sort of as a follow up question If one did re-characterize part of the 5500 roth ira from 2014 to a non deductible ira due to income limit, and then convert the non deductible portion back into a roth ira in 2015 what additional paperwork would be involved? Would it just require a form 8606 with an ...

Kerdaboy

Thank you all for your help!

Kerdaboy

Question to this, since I would have to pay taxes on the gains when I teconvert wouldn't this cause a loop where my magi increases and reduces my partial Roth IRA amount each time? Thanks!

Kerdaboy

Hello, I was doing my taxes today and my magi was slightly too high due to a bonus and was only eligible for a partial roth ira for 2014 (770 dollars of the 5500 i contributed last january were not eligible). I wasn't sure how to best resolve this? I read some old threads regarding this but I had al...

Kerdaboy

It's not hindsight if I've been in it nearly 20 years, is it? :wink: Hi Sandman62, I think the point that is trying to be illustrated is that it is very difficult but certainly not impossible for an actively managed fund to beat it's benchmark over long periods of time especially AFTER ER's are tak...

Kerdaboy

Also, can you direct me as to how to come up with the 4:1 ration (I was under the impression it was 3:1). Thanks again. The Russell Small Cap Completeness Index would include the 3000 or so companies in the Russell 3000 excluding the S&P 500 companies. A close approximation to the total stock m...

Kerdaboy

Hello, Unless you would like the flexibility of your ROTH IRA as an emergency fund also, it would seem to be more advantageous to use the institutional level funds in your 401k since they have much lower expense ratios than the comparable investor shares you would get in a roth ira. The following fo...

Kerdaboy

Another vote here for Wellington up to match. Would then pick total international at vanguard Roth and any left over savings into Wellington.

Kerdaboy

Hmm as someone that just turned 28, 24 seems like yesterday :) One thing to consider is starting (or at least in the near future) a savings account/liquid account for a wedding if that is something you will be paying for. I think it would be reasonable to say you would expect to marry within the nex...

Kerdaboy

Edit: My bad just saw the newest target email communication from 1-15-14

Kerdaboy

Do you have a listing of the funds in your 401k and their expense ratios?

Kerdaboy

Frozen.

Kerdaboy

Wow. Thank you both for your insights! Hmm should invest some time in learning more about how to use excel

Kerdaboy

Hi everyone, I was having difficulty deciding which high deductible health plan to pick at my company for 2014. I am a single 27 year old male in relatively good fitness and health. At my company the only three health plans are HDHP's with HSA. I would appreciate any insights on the best option to p...

Kerdaboy

Thank you all for your insights

Kerdaboy

Hello, Earlier in the year I had reimbursed myself through my HSA for a few qualified medical expenses that I had paid out of pocket. For various reasons I would like to return the money back to my HSA. On my HSA's withdrawal correction form it states: "This form can be used to redeposit funds ...

Kerdaboy

Thank you both for your responses. In the 3 page "fund fact sheet" for the SSGA US bond index fund class c the first two pages relate to the investment strategy, performance, and holdings. The second half of the third page has a fee disclosure: "The Total Annual Operating Expense Rati...

Kerdaboy

Hi, I was looking through the wiki to figure out what "Class C" fund meant in relation to a bond option in my 401k. Found information regarding the different "contingent deferred sales charge" classes in the wiki: http://www.bogleheads.org/wiki/Mutual_funds_and_fees#Loads I have ...

Kerdaboy

Thank you all for your responses!

Kerdaboy

Hello, I was hoping for some insights on recording keeping fees on my 401k plan. I just started with the company this year and was impressed with many of the low expense ratios in the plan. In particular I had picked these four: VANG INST INDEX PLUS (VIIIX) 0.02 VANG SM CP IDX IS PL (VSCPX) 0.06 NT ...

Kerdaboy

Hi Everyone, Recently, it looks like my company's 401k with fidelity upgraded its Spartan 500 index to institutional class. The Management fee + expense ration total decreased to 0.08% Currently I have all my domestic shares in: Spartan Total Market Index Fund Investor Class: Manage free + expense r...

Kerdaboy

On the wiki for wash sales it states: "There is no ruling on whether two funds operated by different companies tracking the same index are substantially identical; tax experts have differing opinions. Two funds tracking different indexes, or an index fund and an actively managed fund in the sam...

Kerdaboy

Hi Was just trying to get clarification on this scenario. On Aug1, I invested my monthly x amounts into vanguard total stock market and international stock market funds. Since there is a redemption fee on the international stock, it would not be a wise idea to TLH it? However, the total stock market...

Kerdaboy

Was just about to help parents readjust their asset allocation. They currently are age 50 and self employed. Income is about 100,000 a year. Have about 200,000 just sitting in a money market earning nothing. And another 200,000 in former company 401k in vanguard SP500 and vanguard total bond market ...

Kerdaboy

Hi everyone, Would appreciate some advice for new 401k that is about to kick in at my job that I have qualified for. From various readings recommendations on bogleheads, it seems the general rule of thumb is to put bonds/reits in tax deferred and stocks in taxable. The one issue I am facing is that ...

Kerdaboy

Thanks for the responses! I think I'm learning towards just having the dividends sent to back to checking. Would anyone know how substantial the difference would be if i directly reinvested versus say reinvesting quarterly (Just starting out investing age 25) My two funds in the taxable is admiral s...

Kerdaboy

Thanks! I'll stick with the total bond market then

Kerdaboy

On the reinvesting dividends into a taxable account, it is recommended to transfer the dividends into a money market account then reinvest in larger lots to avoid tax headaches. I have my taxable account with vanguard and there is a min of 3000 for their prime money market. Was wondering if I could ...

Kerdaboy

Graduated last May and due to job change will only be eligible for 401k contributions this upcoming month. Emergency funds = 3 months Debt: None Tax Filing Status: Single Tax Rate: 25% Federal Texas Age: 25 Desired Asset allocation: (75%/25%) Intl allocation: 40% of stocks Current portfolio total: 3...

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Search found 40 matches

Re: What to do when company won't honor exchange policy/warranty?

Re: What to do when company won't honor exchange policy/warranty?

What to do when company won't honor exchange policy/warranty?

Turbotax help with 1099-r

Fidelity 2% Amex possibly changing issuer in January?

Re: Question on tax lost harvesting with VWO purchased within last 6 months

Question on tax lost harvesting with VWO purchased within last 6 months

Re: Question on tax loss harvesting from the brokerage

Question on tax loss harvesting from the brokerage

Re: Excess 2014 Roth contribution already did 2015

Re: Excess 2014 Roth contribution already did 2015

Re: Excess 2014 Roth contribution already did 2015

Re: Excess 2014 Roth contribution already did 2015

Re: Excess 2014 Roth contribution already did 2015

Excess 2014 Roth contribution already did 2015

Re: omg, did I miss the buying opportunity in stocks?

Re: another 401k feedback request

Re: Does my 3-fund look good? [28yo newbie]

Re: Please help with 401K fund selection

Re: If You Were 24 Years Old What Would You Do?

Re: More from Target?

Re: Employer 401k no longer matching. What to do?

Re: Best Movies of 2013

Re: How to decide between three HDHP plans?

How to decide between three HDHP plans?

Re: Question on HSA withdrawal correction

Question on HSA withdrawal correction

Re: Clarification on class c fund fees in 401k?

Clarification on class c fund fees in 401k?

Re: Recordkeeping fee in 401k

Recordkeeping fee in 401k

Fund Choice in 401k

Spartan TSM and Vanguard TSM for tax loss harvesting

Can not tax loss harvest at the moment?

Advice for parents

What to put into 401k and Roth IRA?

Dividends in taxable account

New investor and asset allocation in savings vehicles