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mnvalue

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...

mnvalue

Don’t worry about it. The brokerage account is fine. I don’t think you have any choice anyway.

mnvalue

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...

mnvalue

Give this a try: https://www.i-orp.com

mnvalue

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...

mnvalue

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.

mnvalue

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 ...

mnvalue

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...

mnvalue

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.

mnvalue

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.

mnvalue

That seems like a reasonable plan to me.

mnvalue

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.

mnvalue

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 ...

mnvalue

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?

mnvalue

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...

mnvalue

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.

mnvalue

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.

mnvalue

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...

mnvalue

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"...

mnvalue

There is no point in waiting. If you have a new plan you're happy with, just do it.

mnvalue

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...

mnvalue

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...

mnvalue

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...

mnvalue

$156 is an odd figure, but did you get some sort of bonus for opening the account?

mnvalue

$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.

mnvalue

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...

mnvalue

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.

mnvalue

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.

mnvalue

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...

mnvalue

Worst case, "print" it by way of retyping it into a new spreadsheet.

mnvalue

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 ...

mnvalue

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...

mnvalue

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...

mnvalue

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.

mnvalue

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 ...

mnvalue

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.

mnvalue

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 ...

mnvalue

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?

mnvalue

Rebalancing and tax loss harvesting.

mnvalue

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...

mnvalue

Nitpick: Treasury "prints money" when it creates coinage.

mnvalue

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...

mnvalue

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...

mnvalue

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...

mnvalue

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...

mnvalue

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...

mnvalue

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...

mnvalue

Divide the $ per investment over the total of all accounts. All of the percentages together add up to 100%.

mnvalue

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?

mnvalue

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.) ...

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