Search found 1095 matches

by mnvalue
Wed Apr 24, 2019 2:40 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 6775

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

This is my area of expertise. First off, you need exactly one thing acting as a router. Everything else should be just an access point. That avoids the double NAT. Second, you should have the same SSID and password everywhere. That allows for seamless roaming and avoids the need to configure devices...
by mnvalue
Sat Mar 16, 2019 3:47 pm
Forum: Personal Investments
Topic: Transferred account went to Vanguard Brokerage
Replies: 4
Views: 471

Re: Transferred account went to Vanguard Brokerage

Don’t worry about it. The brokerage account is fine. I don’t think you have any choice anyway.
by mnvalue
Mon Mar 04, 2019 1:43 pm
Forum: Personal Investments
Topic: Managing cash in a Wells Fargo Portfolio account
Replies: 18
Views: 2007

Re: Managing cash in a Wells Fargo Portfolio account

It sounds like your account is grandfathered into the old balance rules. I have the same thing. If you also have a grandfathered brokerage account, you would have 100 free trades a year. Note that even with a grandfathered checking account, brokerage accounts opened after the date of the rule change...
by mnvalue
Sat Feb 16, 2019 2:17 pm
Forum: Personal Investments
Topic: ROTH conversion before RMDS
Replies: 25
Views: 773

Re: ROTH conversion before RMDS

Give this a try: https://www.i-orp.com
by mnvalue
Sun Feb 10, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Attempting To Be Debt Free
Replies: 62
Views: 7231

Re: Attempting To Be Debt Free

Your debt payoff plan seems solid, though I agree with the others that you should invest rather than pay early on the low interest loans. I would sell the employer stock in any event. You could either contribute that to the Roth (before April 15th as a 2018 contribution first up to the limit and the...
by mnvalue
Sat Feb 09, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help understanding Restricted Stock Units (RSUs)
Replies: 16
Views: 716

Re: Help understanding Restricted Stock Units (RSUs)

fjw wrote: Sat Feb 09, 2019 10:39 am since it is treated as _supplemental_ ordinary income, it is taxed at the the federal supplemental rate, which is currently 22%, not at your normal withholding tax rate
To be clear, it is withheld at a higher rate, not taxed at a higher rate by virtue of being supplemental (bonus) income.
by mnvalue
Sat Feb 09, 2019 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Help understanding Restricted Stock Units (RSUs)
Replies: 16
Views: 716

Re: Help understanding Restricted Stock Units (RSUs)

Does it really matter how many they sold? The standard advice around here and elsewhere would have you sell all the shares as soon as they vest, as owning stock in your employer is doubly risky. First, owning any individual stock exposes you to undiversified risk. Second, you are already exposed to ...
by mnvalue
Sun Jan 27, 2019 7:31 am
Forum: Investing - Theory, News & General
Topic: What type of account to open first for a newborn?
Replies: 16
Views: 1668

Re: What type of account to open first for a newborn?

I just went through this exact process for my new (first) child. If the gifts were to her, then #3 is not legally permissible, as the money already belongs to her, not you. Likewise for #1 unless it is a UTMA 529, as opposed to a regular 529. The big differences between #2 and #4 are the usual broke...
by mnvalue
Mon Jan 21, 2019 1:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement 2030 Fund Composition?
Replies: 4
Views: 817

Re: Vanguard Target Retirement 2030 Fund Composition?

This matches their intended glide path: https://personal.vanguard.com/pdf/icrtdf.pdf

It may not match your desired portfolio, so you may need to do something different.
by mnvalue
Sat Dec 22, 2018 11:24 am
Forum: Personal Investments
Topic: How should I adjust this portfolio- please help!!
Replies: 8
Views: 925

Re: How should I adjust this portfolio- please help!!

Hopefully you used the free trades to unwind those positions. If not, it sounds like you will have to pay for those trades.

Anyway, put the money in whatever fits your overall asset allocation.
by mnvalue
Sun Dec 09, 2018 4:38 pm
Forum: Personal Investments
Topic: Roth conversion taxes- how to pay them?
Replies: 13
Views: 1568

Re: Roth conversion taxes- how to pay them?

That seems like a reasonable plan to me.
by mnvalue
Sun Dec 09, 2018 2:17 am
Forum: Personal Finance (Not Investing)
Topic: YNAB: Age of Money
Replies: 21
Views: 3196

Re: YNAB: Age of Money

AlohaJoe wrote: Fri Dec 07, 2018 9:02 pm While there are some exceptions, in general it doesn't make sense to gratuitously extend one's Age of Money. Instead that extra money should just be invested or put into a proper emergency fund.
If your Emergency Fund is on budget, the age of money will continue to increase. Ours is ~300 days.
by mnvalue
Wed Apr 25, 2018 3:06 pm
Forum: Personal Investments
Topic: Allocation Debate - consider all accounts as one?
Replies: 22
Views: 2065

Re: Allocation Debate - consider all accounts as one?

That's a solid point. But, how do you decide between ROTH vs Pre-tax? Yeah, that's what really brought up my question in the first place. I've decided to take the majority boglehead opinion and treat all my accounts as a single large account. If you tax-adjust them, it doesn't matter which type of ...
by mnvalue
Fri Feb 23, 2018 3:32 am
Forum: Personal Investments
Topic: 2 year portfolio check
Replies: 18
Views: 2075

Re: 2 year portfolio check

There are no tax consequences for trades inside an IRA or 401k. You only need to worry about non-tax advantaged accounts. What do the gains look like for each fund in taxable?
by mnvalue
Wed Feb 14, 2018 3:08 am
Forum: Personal Investments
Topic: Need help to plan portfolio
Replies: 31
Views: 2547

Re: Need help to plan portfolio

I initiated the sale of all my funds in Merrill Edge. They are all listed as "pending".. not sure why though since it all should have been sold yesterday. The guy on the phone said they will be available on Thursday. Guess they need a couple days to play with it before they give it back t...
by mnvalue
Wed Feb 14, 2018 3:03 am
Forum: Personal Investments
Topic: Portfolio simplification help
Replies: 4
Views: 824

Re: Portfolio simplification help

If the cash balance plan is not something you control, you'll have to treat that as fixed like I did for taxable, and work around it.
by mnvalue
Mon Feb 12, 2018 12:46 am
Forum: Personal Investments
Topic: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?
Replies: 15
Views: 1896

Re: Helping girlfriend (full-time teacher) with retirement options: 401k, 403b, 457?

Whatever happens, make sure she isn't investing in an annuity inside the 403b account. Teachers seem to get sold the worst junk in their 403b plans. My parents were being hit with an extra 2% of expenses through such nonsense.
by mnvalue
Mon Feb 12, 2018 12:36 am
Forum: Personal Investments
Topic: Portfolio Review
Replies: 10
Views: 1389

Re: Portfolio Review

1. I'd probably just wait. A reasonable international percentage is 20-40% of stocks. You're still within that range. But if you want to change, that's fine too. 2. Fix the stocks/bond split before fixing the U.S./international split, as the former matters more. I don't see the point in REITs. If yo...
by mnvalue
Mon Feb 12, 2018 12:29 am
Forum: Personal Investments
Topic: Portfolio simplification help
Replies: 4
Views: 824

Re: Portfolio simplification help

1) Can you roll the 403b and 457 into your 401k? Your 401k has decent choices. You should avoid rolling them to a Traditional IRA, as that would prevent you from making "backdoor" Roth IRA contributions. It would help me provide a better plan if you could split the "Combined Roth"...
by mnvalue
Sat Feb 10, 2018 7:50 pm
Forum: Personal Investments
Topic: Need help to plan portfolio
Replies: 31
Views: 2547

Re: Need help to plan portfolio

There is no point in waiting. If you have a new plan you're happy with, just do it.
by mnvalue
Sat Feb 10, 2018 5:40 pm
Forum: Personal Investments
Topic: Need help to plan portfolio
Replies: 31
Views: 2547

Re: Need help to plan portfolio

The three-fund portfolio, as already suggested, is great. However, since all of your retirement is in two IRAs, why not consider the Vanguard Target Retirement funds instead of doing the 3-fund portfolio yourself? The ER is the same as Investor Shares (ever so slightly higher than Admiral Shares), b...
by mnvalue
Sat Feb 10, 2018 5:27 pm
Forum: Personal Investments
Topic: Portfolio review for new investor (updated stats)
Replies: 16
Views: 1546

Re: Portfolio review for new investor (updated stats)

Since you didn't specify, I'll assume 40% of stocks as international. That's 36% International, 54% US, and 10% Bonds. The Roth IRA is easy, since it is so small. We'll just fill it with US stocks. Then everything else goes in one Traditional IRA, as you should rollover the IRA from Betterment to Va...
by mnvalue
Sat Feb 03, 2018 8:55 pm
Forum: Personal Investments
Topic: Asset Allocation, General feedback requested
Replies: 3
Views: 489

Re: Asset Allocation, General feedback requested

If the cash is for near-term use, it isn't part of your retirement portfolio. You should just remove it from your post and recalculate the percentages. (I realize we can redo the percentages for you, but you might as well.) Many here would say your stock/bond split is way too aggressive. I'm in favo...
by mnvalue
Sat Jan 27, 2018 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Tax form discrepancy
Replies: 9
Views: 613

Re: Tax form discrepancy

$156 is an odd figure, but did you get some sort of bonus for opening the account?
by mnvalue
Sat May 06, 2017 1:04 am
Forum: Personal Consumer Issues
Topic: Vexing electrical problem in the house
Replies: 54
Views: 6041

Re: Vexing electrical problem in the house

$3000 seems reasonable, especially for CA. That's about what it cost for a friend here in Nowhere, MN. Plus two similar estimates is a good sign too.
by mnvalue
Sat Feb 25, 2017 2:32 am
Forum: Personal Finance (Not Investing)
Topic: Windfall and Student Loan Pay-off/Pay-down Plan
Replies: 42
Views: 5170

Re: Windfall and Student Loan Pay-off/Pay-down Plan

Your plan is a reasonable option, all things considered. Are you maxing out the 401ks and IRAs? If not, that's almost certainly a better deal mathematically, if you can afford it. Obviously, you don't want to pour the $70k into retirement accounts, then have your loan payments adjust up to a level y...
by mnvalue
Sun Feb 19, 2017 5:04 pm
Forum: Personal Investments
Topic: Should Expense ratio be used in compare calculations between Taxable and non-taxable bond funds ?
Replies: 4
Views: 836

Re: Should Expense ratio be used in compare calculations between Taxable and non-taxable bond funds ?

goingup wrote:Use admiral shares for Intermediate Term Tax Exempt (VWIUX) at .12% ER.
This is only reasonable if one has $50,000 (the minimum for VWIUX) to invest in the bond fund.
by mnvalue
Fri Jan 06, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency account for niece
Replies: 4
Views: 724

Re: Emergency account for niece

Three people on an account shouldn't be any big deal. I have seen several accounts like that at different banks. I don't know why you are thinking the limit is two.

There shouldn't be any tax issue. If he goes over the gift tax limit ($14k/year or so), then he'd have to file a gift tax return.
by mnvalue
Wed Jan 04, 2017 4:58 pm
Forum: Personal Investments
Topic: New to Boglehead - Respectfully Request Advice on Portfolio Please
Replies: 4
Views: 892

Re: New to Boglehead - Respectfully Request Advice on Portfolio Please

If I accept the two premises of no international and 50% of fixed income in short-term bonds, then I'd say yes to all three. That gives you this: His tIRA at Vanguard: 18.1% - VFSUX - Vanguard's Short Term Investment Grade Fund 19.3% - VBTLX Total Bond Market Index Fund - Admiral (.06%) 1.8% - VTIAX...
by mnvalue
Mon Jan 02, 2017 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: So how long do I hold onto the basis of this stock?
Replies: 6
Views: 951

Re: So how long do I hold onto the basis of this stock?

Worst case, "print" it by way of retyping it into a new spreadsheet.
by mnvalue
Mon Jan 02, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Potential “Horse Race” Conversion
Replies: 52
Views: 5059

Re: Potential “Horse Race” Conversion

That said, who cares? Since this is about Roth conversions, we are talking about IRAs here, not taxable. I agree, no worries about capital gains, clearly not an issue. My reasons for wanting share transfer was the desire not to be out of the market in cash for several days. I don't think I was out ...
by mnvalue
Mon Jan 02, 2017 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Potential “Horse Race” Conversion
Replies: 52
Views: 5059

Re: Potential “Horse Race” Conversion

I just (a couple days ago) did a conversion from an old-style account to a newly-opened, new-style account. Where you able to do this on-line? Yes. I followed the instructions here under "Convert an existing traditional IRA to a new Roth IRA": https://investor.vanguard.com/ira/roth-conver...
by mnvalue
Sat Dec 24, 2016 12:48 am
Forum: Personal Finance (Not Investing)
Topic: Potential “Horse Race” Conversion
Replies: 52
Views: 5059

Re: Potential “Horse Race” Conversion

I just (a couple days ago) did a conversion from an old-style account to a newly-opened, new-style account. Where you able to do this on-line? Yes. I followed the instructions here under "Convert an existing traditional IRA to a new Roth IRA": https://investor.vanguard.com/ira/roth-conver...
by mnvalue
Fri Dec 23, 2016 1:40 am
Forum: Personal Finance (Not Investing)
Topic: Potential “Horse Race” Conversion
Replies: 52
Views: 5059

Re: Potential “Horse Race” Conversion

BigJohn wrote:if you want to transfer funds for the conversions using on-line transactions then both the traditional and roth have to be on the same platform
I just (a couple days ago) did a conversion from an old-style account to a newly-opened, new-style account.
by mnvalue
Sat Sep 03, 2016 9:28 pm
Forum: Personal Investments
Topic: IRA brokerage account upgrade
Replies: 3
Views: 819

Re: IRA brokerage account upgrade

I don't see the problem, as long as you send the information to Vanguard and not some scammer. In other words, make sure you verify the address you are mailing to is Vanguard's by looking at their website. Why would the Social Security card photocopy be a problem? Vanguard already has your name and ...
by mnvalue
Thu Sep 01, 2016 8:57 pm
Forum: Personal Investments
Topic: Moving funds around IRA to maximize dividends ... good or bad idea?
Replies: 3
Views: 636

Re: Moving funds around IRA to maximize dividends ... good or bad idea?

When you get a dividend, the value of the fund drops by the same amount (plus or minus market movement). There is no free money in a dividend.

Leave things well enough alone in the target fund.
by mnvalue
Sun Aug 28, 2016 10:58 pm
Forum: Personal Investments
Topic: Apple employee seeking advice on 401k and general investments
Replies: 28
Views: 10119

Re: Apple employee seeking advice on 401k and general investments

The backdoor method is for this situation: A person earns more money than the IRS limit for Roth IRA contributions, so they cannot contribute to a Roth IRA. The technique works like this: 1) They contribute to a Traditional IRA. They cannot deduct this contribution. So in 2016, they contributed the ...
by mnvalue
Sun Aug 28, 2016 10:49 pm
Forum: Personal Investments
Topic: 401K - Opportunity to Roll Over to my personal VG IRA
Replies: 9
Views: 1180

Re: 401K - Opportunity to Roll Over to my personal VG IRA

OP, can you clarify? Are you saying that you currently have a Traditional IRA at Vanguard? Does it have a balance greater than zero? And you are doing the backdoor Roth contribution method?
by mnvalue
Sun Aug 28, 2016 10:27 pm
Forum: Investing - Theory, News & General
Topic: RBD fans, Dan Wiener has news! [Really Bad Day]
Replies: 40
Views: 7307

Re: RBD fans, Dan Wiener has news! [Really Bad Day]

Rebalancing and tax loss harvesting.
by mnvalue
Sun Aug 28, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: 401a Mega Back Door Roth Available (wish I knew this 10 years ago)
Replies: 3
Views: 1430

Re: 401a Mega Back Door Roth Available (wish I knew this 10 years ago)

If you are in 25% no matter what now and 28% in retirement, then all Roth (no traditional) is the way to go. A factor to consider is if you'll have early retirement years with no pension or Social Security. In that case, you'd have a very low income and those would be good years to draw from and con...
by mnvalue
Fri Aug 26, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: Extension cord's amp and tools
Replies: 25
Views: 2887

Re: Extension cord's amp and tools

My suggestion was not for a whole house generator. It was for an *inlet*, one extra breaker, a small metal transfer switch piece, and a few feet of wire to go through the wall. This is super cheap to do as part of the initial build. This gives you the option, once the house is built, to run your por...
by mnvalue
Fri Aug 26, 2016 11:42 am
Forum: Personal Consumer Issues
Topic: Extension cord's amp and tools
Replies: 25
Views: 2887

Re: Extension cord's amp and tools

Everything else aside, if you are building a new house and want to allow for a generator, discuss this with your electrician. You can get an inlet installed outside and use a breaker as a transfer switch for very cheap. The breaker will have a lock-out that prevents the generator breaker and the mai...
by mnvalue
Thu Aug 25, 2016 8:43 am
Forum: Personal Consumer Issues
Topic: Extension cord's amp and tools
Replies: 25
Views: 2887

Re: Extension cord's amp and tools

First off, throw the extension cord now. Once it's damaged, it's not safe. Ideally, you should cut the ends off of it to discourage someone from reusing it. Obviously, unplug it first. ;) Volt drop becomes a problem as the cord gets longer. There are various charts available. I tried for a few minut...
by mnvalue
Thu Aug 25, 2016 7:44 am
Forum: Personal Consumer Issues
Topic: Custom size HVAC filters?
Replies: 7
Views: 1149

Re: Custom size HVAC filters?

What size filter are you looking for? When answering this question, please note if you're giving nominal or actual size. If you have both, give both please. Here's a place I recommend: https://4qualityair.com/custom_orders.php By any chance, does the filter "hole" have reinforcements (meta...
by mnvalue
Thu Aug 25, 2016 12:40 am
Forum: Personal Consumer Issues
Topic: Orange cable from utility pole on the ground on my property
Replies: 47
Views: 18952

Re: Orange cable from utility pole on the ground on my property

If you are getting ready to sell soon, it seems this problem could be easily fixed with a few wheelbarrows of dirt, neighbor kids with shovels to spread the dirt over the cable, and a small bag of grass seed. No, you don't put dirt over the cable. If you're going to do this by hand, you split the s...
by mnvalue
Thu Aug 25, 2016 12:38 am
Forum: Personal Finance (Not Investing)
Topic: should a student invest for retirement?
Replies: 17
Views: 2465

Re: should a student invest for retirement?

This depends on a lot of things. How much do you owe, what are the interest rates, how much are the minimum payments, and how much cash flow (money per month) is available on top of the minimum payments? If you have a 401k or similar plan at work that has a match, you should definitely contribute to...
by mnvalue
Mon Aug 22, 2016 5:59 pm
Forum: Personal Investments
Topic: Newbie gathering information to post
Replies: 1
Views: 330

Re: Newbie gathering information to post

Divide the $ per investment over the total of all accounts. All of the percentages together add up to 100%.
by mnvalue
Mon Aug 22, 2016 2:47 pm
Forum: Personal Investments
Topic: Vanguard brokerage - partial shares
Replies: 11
Views: 5088

Re: Vanguard brokerage - partial shares

Ask Vanguard?

It's pretty typical with brokers that you sell all shares and then the fractional shares get sold automatically. Maybe wait a day to see if that happens?
by mnvalue
Thu Aug 18, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: Orange cable from utility pole on the ground on my property
Replies: 47
Views: 18952

Re: Orange cable from utility pole on the ground on my property

A Public Right of Way in this case is normally that which runs on the property line, not across a neighbors property for the delivery of a drop. The drop starts at a utility pole. Almost surely, the pole is in the right-of-way or has an easement. (I rather doubt that someone illegally set a pole.) ...