Search found 71 matches

by xrw1
Fri May 26, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: What Fees can be added to cost basis
Replies: 2
Views: 558

Re: What Fees can be added to cost basis

anyone know if those Bank Wire fee's can be added to the cost basis?
by xrw1
Thu May 25, 2017 6:42 am
Forum: Personal Finance (Not Investing)
Topic: What Fees can be added to cost basis
Replies: 2
Views: 558

What Fees can be added to cost basis

Hi everyone, I recently just sold some old stocks from my DRIP accounts and there were Processing Fee, Sale Fee and Bank Wire fee. There were actually two bank wire fees, one that was from the broker and one from my bank. I was reading up on the cost basis rules and they seem to say that transaction...
by xrw1
Wed May 17, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Income Limit Question
Replies: 14
Views: 2048

Re: Roth IRA: Income Limit Question

When I re characterize over the Roth to traditional IRA. Do i have to tell Vanguard that it will be a non-deductible traditional ira?
by xrw1
Mon May 15, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Income Limit Question
Replies: 14
Views: 2048

Re: Roth IRA: Income Limit Question

I currently do not have a taxable IRA. My Plan is (Updated) 1) Keep the 2017 Roth IRA money in the Roth IRA account 2) In early 2018 before I file taxes, figure out how much I have over contributed to the Roth IRA 3) OPEN a Traditional IRA and Recharacterize the over contribution to a Traditional IR...
by xrw1
Fri May 12, 2017 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Income Limit Question
Replies: 14
Views: 2048

Re: Roth IRA: Income Limit Question

I have read up on the links you guys provided. I have a better sense of a backdoor roth. I still do have a question on "holding" time for the recharacterization. When i recharacterize to Traditional IRA, how many days do i need to hold that for before I can recharacterize to a Roth again. (Going fro...
by xrw1
Thu May 11, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Income Limit Question
Replies: 14
Views: 2048

Re: Roth IRA: Income Limit Question

I think I maybe a little confused.

Before I can make Traditional IRA contributions, wouldn't i have to take out the $5500 that I have in the Roth IRA first? I thought one can only contribute $5500 a year (single) total to IRA (Trad plus Roth).
by xrw1
Thu May 11, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Income Limit Question
Replies: 14
Views: 2048

Re: Roth IRA: Income Limit Question

Hi everyone, Currently, I have maxed out my 2017 Roth IRA ($ 5500) and on track to max out my 401k ($ 18000) and my income is not near the Roth IRA Phase out of $ 118k. I have vested stock options from my company over the years that I could sell, but that will put me in the Roth IRA income phase ou...
by xrw1
Thu May 11, 2017 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA: Income Limit Question
Replies: 14
Views: 2048

Roth IRA: Income Limit Question

Hi everyone, Currently, I have maxed out my 2017 Roth IRA ($ 5500) and on track to max out my 401k ($ 18000) and my income is not near the Roth IRA Phase out of $ 118k. I have vested stock options from my company over the years that I could sell, but that will put me in the Roth IRA income phase out...
by xrw1
Thu Jun 30, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Do and Don't when purchasing house / taking out mortgage
Replies: 10
Views: 884

Re: Do and Don't when purchasing house / taking out mortgage

Thank you all for your reassurance! I will just keep good documentations of bank/investment statements and the checks my parents write me. I don't have a problem explaining to the banks where my money is coming from and going to.
by xrw1
Thu Jun 30, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Do and Don't when purchasing house / taking out mortgage
Replies: 10
Views: 884

Re: Do and Don't when purchasing house / taking out mortgage

Looking back into my Vanguard Taxable account, I did invest $2K last month but that money was from normal work income. As for transfer of money, about 2 months ago I did transfer $6k from my checkings into savings. I usually wait until i have large amount before I make checkings to savings transfers...
by xrw1
Thu Jun 30, 2016 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Do and Don't when purchasing house / taking out mortgage
Replies: 10
Views: 884

Do and Don't when purchasing house / taking out mortgage

Good afternoon everyone, I recently met with my real estate agent about looking for my first house. The agent gave me a list of Do's and Don't while I am in the process of looking at a house. There were simple ones such as Don't open up new credit cards, Don't take out new loans and there was one th...
by xrw1
Tue Jun 07, 2016 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Goldman Sachs online savings?
Replies: 28
Views: 5228

Re: Anyone have experience with Goldman Sachs online savings?

thank you very much for the detailed explanation PJW! It makes more sense to me now!
by xrw1
Fri Jun 03, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Goldman Sachs online savings?
Replies: 28
Views: 5228

Re: Anyone have experience with Goldman Sachs online savings?

Kind of a silly question but what is the difference between a Money Market and an Online savings account? This is good that people have been Satisfied with the GS bank. I will be opening one soon. Do you guys know if there is an easy way to transfer money from my Capital One 360 to my GS Account whe...
by xrw1
Fri Jun 03, 2016 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Goldman Sachs online savings?
Replies: 28
Views: 5228

Anyone have experience with Goldman Sachs online savings?

Hi everyone, I currently have online savings account at Capital one (0.75% APR) and Barclays (1.00 APR). I have been meaning to move away from Capital one because of the lower rates to Barclays but I feel better if my money was in 2 accounts rather than one. I am not sure what the withdrawl limits a...
by xrw1
Tue Apr 05, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 5196

Re: Vanguard Website Down?

I got the same "your account information is temporarily unavailable" then it gave me a list of phone numbers for the different account types. I am trying to buy some funds before 4 pm
by xrw1
Wed Mar 18, 2015 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Tax Loss Harvesting
Replies: 8
Views: 1421

Re: Question on Tax Loss Harvesting

Thank you Rox for the clarification,

It is not late, I was trying to get a better understanding of TLH so if there is a opportunity in the future I would know how to proceed with it.
by xrw1
Fri Mar 13, 2015 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Tax Loss Harvesting
Replies: 8
Views: 1421

Re: Question on Tax Loss Harvesting

Thank you for all the detailed responses! Rox, What will happen if I sell my share less than the 60 day holding period? Will that be a total wash or a partial wash sale? Also, using my example from above if I sold VTSAX for a Vangaurd S&P 500 index for TLH how later TLH the Vanguard S&P500 i...
by xrw1
Thu Mar 12, 2015 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Tax Loss Harvesting
Replies: 8
Views: 1421

Question on Tax Loss Harvesting

Hi everyone, I have a taxable account that is invested in Vanguard Total Stock Market (VTSAX) and Vanguard Total International (VTIAX). Currently these have reinvestment turned on. I will be turning off my reinvestments for my taxable account and roth ira soon. I want to get my accounts set up for a...
by xrw1
Thu Nov 20, 2014 10:22 am
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 9029

Re: Light Bulb Question

From my experience CFL do take a little bit to warm up so you won't have instant light. LED lights are instant but their lighting is more directional. LEDs don't light up a living room as nicely as CFL once fully warmed up. I like LEDs in areas I want to spotlight an area like under the kitchen cabi...
by xrw1
Fri Nov 14, 2014 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help on calculating AGI/MAGI and Estimated Taxes Owed
Replies: 7
Views: 832

Re: Need Help on calculating AGI/MAGI and Estimated Taxes Ow

I just asked and the stocks are an ISO, however the finace person said that since it is a cashless transaction the I would only pay taxes on the profit protion of the sale.

What would be the easiest way to estimate the taxes owed on the sale if I had a profit of $37600?
by xrw1
Fri Nov 14, 2014 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Need Help on calculating AGI/MAGI and Estimated Taxes Owed
Replies: 7
Views: 832

Re: Need Help on calculating AGI/MAGI and Estimated Taxes Ow

So the tax bracket is on taxable income and not the AGI. Therefore my Taxable Income would be $83,350 = ($66,000 + $6,400 + $1,000 + $37,600 - $17,500 - $6,200 - $3,950) The $6200 is standard deduction and $3950 is the personal exemptions. My AGI would be $93,500 = ($66,000 + $6,400 + $1,000 + $37,6...
by xrw1
Thu Nov 13, 2014 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help on calculating AGI/MAGI and Estimated Taxes Owed
Replies: 7
Views: 832

Need Help on calculating AGI/MAGI and Estimated Taxes Owed

Hi everyone, I recently sold some ISO stock options at my company and I think it moved me up tax bracket. As far as I know the ISO options I have will be taxed as income. I am having a little trouble getting a rough estimate of my AGI and MAGI and how much I should write a check to pay the taxes owe...
by xrw1
Sun Nov 02, 2014 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Does HSA make sense for me?
Replies: 13
Views: 1724

Re: Does HSA make sense for me?

Is there any downsides to the HDHP with HSA?

It appears that there are some tax savings if I do max out my HSA, but is it large enough to move away from the HMO? Like some of the posters stated, there isn't a huge dollar amount difference between my HDHP and HMO.
by xrw1
Sat Nov 01, 2014 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Does HSA make sense for me?
Replies: 13
Views: 1724

Re: Does HSA make sense for me?

My tax bracket is 25% For people that have done both HMO style and HDHP with HSA, did you guys find it a hassle going through the HSA to pay for services? The insurance company is blue cross blue shield if that matters. I do like the saving aspect of the HDHP, but I am a little hesitant about it bec...
by xrw1
Fri Oct 31, 2014 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Does HSA make sense for me?
Replies: 13
Views: 1724

Re: Does HSA make sense for me?

Yes I am a single individual. My Co-pay for office visits are 20 dollars for regular stuff and 35 dollars for specialist Emergency Room is $150. I have been with the HMO for a while and luckily I havn't had to use it besides the normal office visits. I just keep hearing good things about the HSA and...
by xrw1
Fri Oct 31, 2014 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Does HSA make sense for me?
Replies: 13
Views: 1724

Re: Does HSA make sense for me?

I have updated the first post.

As for the premium, I assume you guys mean how much will I pay for the plan per year.
by xrw1
Fri Oct 31, 2014 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Does HSA make sense for me?
Replies: 13
Views: 1724

Does HSA make sense for me?

Hi everyone, My company just started to offer HSA eligible health plan. I have an option between the HSA and an HMO plan. I tried to get a better understanding of the HSA but I am kind of lost if it makes sense for me to move to an HSA plan vs my HMO. Could you guys help me make sense of this. Thank...
by xrw1
Wed Oct 22, 2014 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Is investing in real estate worth it?
Replies: 28
Views: 4209

Re: Is investing in real estate worth it?

Consider REIT mutual funds and ETFs, especially in tax-sheltered accounts. Instant diversification. No dealing with tenants. No midnight calls about plumbing leaks. This maybe a newbie question, but besides the real estate aspect how are investment property you eventually will own related to that o...
by xrw1
Sat Oct 04, 2014 5:02 pm
Forum: Personal Consumer Issues
Topic: Road trip to Chicago with kids- what to do/recommendations?
Replies: 44
Views: 5073

Re: Road trip to Chicago with kids- what to do/recommendatio

I second the science museum. I also liked the aquirium, sky deck and navy pier. If you are planning on going to many museums and the sky deck, I would recommend you getting the "city pass" It will save you like 40 percent and also it will allow you to skip all the long lines for all the at...
by xrw1
Mon Sep 29, 2014 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Specific Tax Lot Question
Replies: 5
Views: 551

Specific Tax Lot Question

Good afternoon everyone, I contribute monthly to my taxable account (Taxable account started in 2013) and I was reading into tax loss harvesting to get better educated in it. My question revolves more around filing taxes for the specific tax lots. Lets say over the years I generated 50 different spe...
by xrw1
Tue Aug 26, 2014 6:10 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 290579

Re: What are you up YTD?

For the people that have more conservative AA 75/25, 60/40, 50/50 (stock/bonds) how much are you guys titled to have higher YTD? I am at 80/20 using mainly vanguard or fidelity equivalent 3 funds portfolio (I just started recently tilting) and I have a YTD shy of 7% I am perplexed how a more conserv...
by xrw1
Sat Aug 23, 2014 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth tilting to International Small Cap?
Replies: 18
Views: 3342

Re: Is it worth tilting to International Small Cap?

My only other option for international exposure in my 401K is Masters Select International (MSILX) which has an ER. of 1.07. The American Europacific growth R4 (REREX) has an ER of 0.82. I guess if I have to add international to my 401k it would be REREX since it has slightly lower ER
by xrw1
Sat Aug 23, 2014 7:00 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth tilting to International Small Cap?
Replies: 18
Views: 3342

Re: Is it worth tilting to International Small Cap?

For my small cap tilting of domestic and international, I am planning on tilting 10% for each of them in my whole portfolio (this comes down to about 18% of my domestic and 35% of my international holdings) I am planning to hold both of the value index in my roth ira. By doing this I will not have e...
by xrw1
Fri Aug 22, 2014 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth tilting to International Small Cap?
Replies: 18
Views: 3342

Re: Is it worth tilting to International Small Cap?

I agree with Livesoft. Half my stocks are international; half my stocks are small-cap. I'm choosing to increase the tilt over time -- as I ramp down my equity percentage overall I maintain the same percentage in small-cap. By the time I retire all my equities will be small-cap. Thanks, Larry. A sta...
by xrw1
Fri Aug 22, 2014 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth tilting to International Small Cap?
Replies: 18
Views: 3342

Re: Is it worth tilting to International Small Cap?

20 percent of my international holding. 5% of my portfolio is correct.

What would be a good small cap value index fund?


Thank you
by xrw1
Fri Aug 22, 2014 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth tilting to International Small Cap?
Replies: 18
Views: 3342

Is it worth tilting to International Small Cap?

Good morning everyone! I want to thank you in advance for all your feed back. My AA is 80/20 stock/bond and with a 70/30 Domestic/international set up. I have all my Domestic and bonds in my 401K and all my international in my roth IRA. For my international portion, I use VTIAX which is the vanguard...
by xrw1
Sat May 03, 2014 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Which is a better Bond Fund for my 401k
Replies: 6
Views: 792

Re: Which is a better Bond Fund for my 401k

Thank you for all your replies.

I am trying to get my company to pick up a bond index with lower ER.

I am going to stay with the intermediate term fund as abuss368 stated it should provide a margin of safety.
by xrw1
Wed Apr 30, 2014 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Which is a better Bond Fund for my 401k
Replies: 6
Views: 792

Re: Which is a better Bond Fund for my 401k

JuanZ: I did have some of my bonds in my roth, but I needed to make more space for my International holdings therefore I changed things around to have my 401K hold my Domestic and Bond allocations. My roth now holds all my international
by xrw1
Wed Apr 30, 2014 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Which is a better Bond Fund for my 401k
Replies: 6
Views: 792

Which is a better Bond Fund for my 401k

Good afternoon everyone, My asset allocation is 85% Stocks 15% bonds and I currently hold all my bonds in my 401k with Pimco Total Returns. My 401k listing has been updated and I have 3 choices for my bonds now. I was wondering which one would be the best to use for bonds. PTRAX - Pimco Total Return...
by xrw1
Mon Apr 14, 2014 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Too Late to Open Roth IRA for 2013?
Replies: 9
Views: 1257

Re: Too Late to Open Roth IRA for 2013?

I told her to open it now as well, but she don't have any of her banking info so she will have to do it later tonight.

I guess as long as vanguard lets her open her account and set up banking for 2013 tonight it will be all good
by xrw1
Mon Apr 14, 2014 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Too Late to Open Roth IRA for 2013?
Replies: 9
Views: 1257

Too Late to Open Roth IRA for 2013?

Good morning everyone! My coworker just asked me if it was too late to open an account Roth IRA account with Vanguard and contribute to 2013. I know the last day to contribute to 2013 Roth IRA is tomorrow (April 15th) but what is the latest day to open a Roth IRA account and contribute to 2013? Than...
by xrw1
Wed Mar 12, 2014 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Contribution
Replies: 3
Views: 608

Re: Roth IRA Contribution

Thank you very much!
by xrw1
Wed Mar 12, 2014 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Contribution
Replies: 3
Views: 608

Roth IRA Contribution

Good morning everyone, I have a quick question about Roth IRA contribution. My friend has already filed his 2013 Taxes, can he still contribute to the 2013 roth ira contribution as long as he puts in the money before April 15th? I am sure he can, but I just want to be 100% sure. Thank you for all yo...
by xrw1
Wed Mar 05, 2014 4:21 pm
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 7216

Re: How Many Funds Do You Have in Taxable?

2 funds in taxable

Vanguard Total International VGTSX and Vangaurd Total Stock Market VTSMX
by xrw1
Mon Mar 03, 2014 11:10 am
Forum: Investing - Help with Personal Investments
Topic: What age to buy I bonds?
Replies: 29
Views: 3946

Re: What age to buy I bonds?

To be honest, I don't know what I would be using my Ibond allocation for if I were to start one. Right now everything I invest in has been for retirement. I do keep about 1 years expenses in a high yield savings (emergency fund). The 2 things on my list in the near term (1-2 years) is engagement rin...
by xrw1
Mon Mar 03, 2014 10:01 am
Forum: Investing - Help with Personal Investments
Topic: What age to buy I bonds?
Replies: 29
Views: 3946

What age to buy I bonds?

Hi everyone, I am currently 27 and have maxed out my roth and on track to max out my 401k. I also have started to invest in a taxable. I have a 80/20 aa I know there have been talks about people buying I bonds with their tax refunds. But I was wondering would it make sense for a 27 year old to buy I...
by xrw1
Sat Feb 02, 2013 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage vs. Mutual Fund Account (taxable)
Replies: 33
Views: 13820

Re: Vanguard Brokerage vs. Mutual Fund Account (taxable)

Sorry to get slightly off topic, but would one be able to see their mutual fund account (taxable) and their roth ira account under the same log in? or would one need two log in names?
by xrw1
Thu Jan 10, 2013 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Is there such thing as too young for IBonds
Replies: 21
Views: 1988

Re: Is there such thing as too young for IBonds

A few updates on my part: I have maxed out roth every year, maxed out 401K last year, I am planning to max out 401K this year. I don't really have the intention of using my IBonds for my downpayment. I have a ING account that is slowly growing ($ 4k) right now for my downpayment. I think everyone wa...
by xrw1
Thu Jan 10, 2013 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Is there such thing as too young for IBonds
Replies: 21
Views: 1988

Is there such thing as too young for IBonds

Hi everyone, The past year has been good and I have taken action to a lot the advice I have been given on this forum. I am currently 26 and have a an asset allocation of 80% stocks (70% domestic, 30% international), 20% bonds. A while ago I was thinking about opening up a taxable account, but more r...
by xrw1
Sat Nov 03, 2012 3:45 pm
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 21096

Re: Dear Bogleheads - time to pony up

I'm in! This site has helped me so much and answered so many of my questions even though they have been already covered many times.