Search found 16 matches

by suf
Tue Oct 08, 2019 2:55 pm
Forum: Investing - Theory, News & General
Topic: Best CD rates thread
Replies: 390
Views: 41289

Re: Best CD rates thread

Anyone joined the PA Recreation & Park Society? How long did that take? Looks like the application has to go via regular mail.
by suf
Thu Jul 02, 2015 12:42 am
Forum: Personal Investments
Topic: Is increased ER worth it for Backdoor Roth?
Replies: 5
Views: 1813

Re: Is increased ER worth it for Backdoor Roth?

I realize the ER difference is low. But the ER is fairly certain, the market return is not. I don't have to do a backdoor Roth, I could just stick with taxable. If the market has to return 8% just to make a couple hundred bucks, its not worth the effort of rolling the sep and converting a traditiona...
by suf
Wed Jul 01, 2015 3:43 pm
Forum: Personal Investments
Topic: Is increased ER worth it for Backdoor Roth?
Replies: 5
Views: 1813

Is increased ER worth it for Backdoor Roth?

I recently discovered I can roll my SEP, which is in a three fund portfolio at Vanguard, to and old 401a plan at Fidelity. Since Im above the income threshold for making a roth contribution, this would allow me to do a backdoor conversion. Im told I can roll the SEP each year into the 401. My SEP cu...
by suf
Tue Sep 23, 2014 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Tax help - Error on form 8606
Replies: 16
Views: 1570

Re: Tax help - Error on form 8606

Thanks, Ill send the corrected return. I wish I had never made those contributions. Keeping track of them when I start taking distributions will be annoying...the price of ignorance.
by suf
Tue Sep 23, 2014 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax help - Error on form 8606
Replies: 16
Views: 1570

Tax help - Error on form 8606

My accountant passed away in the early part of this year, and as I have been learning so much on this board, I decided I would attempt to do my own taxes this year. I have struggled through, and believe I have completed the task (although I have been terrified to file and find out I've messed it up ...
by suf
Tue Mar 11, 2014 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Mistake?
Replies: 2
Views: 538

Re: Vanguard Mistake?

The purchase of TBM was backdated 6 weeks, to the original transaction. This is not a mistake? Had I realized it was going to happen (if my employer notified me of the error first), with such perfect hindsight, I could have changed my allocation to something much more beneficial. I dont want the has...
by suf
Tue Mar 11, 2014 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Mistake?
Replies: 2
Views: 538

Vanguard Mistake?

In January my employer made an error that switched the IRA contribution amounts of myself and another employee. At that time, my AA was directed to only 2 funds: TSM and TISM. In early March, I changed my AA to 3 funds: TSM, TISM, and TBM. My March Vanguard statement shows the correction of my emplo...
by suf
Mon Nov 18, 2013 10:06 pm
Forum: Personal Investments
Topic: Help me pick the best of these options?
Replies: 3
Views: 530

Re: Help me pick the best of these options?

Yes, I listed the fees as basis points, so the JP Morgan equity index fund has 0.2% ER. 1. If I choose that one, do I also need to broaden my 3 fund portfolio so that I hold some medium and small cap funds (which I could do in another account) to equal TSM? I'd like to stay simple and not hold multi...
by suf
Mon Nov 18, 2013 7:55 pm
Forum: Personal Investments
Topic: Help me pick the best of these options?
Replies: 3
Views: 530

Help me pick the best of these options?

I am working toward a 3 fund portfolio, and need some help choosing an investment from among fairly high cost products in my 403b. It holds about 10% of my mid 6 figure portfolio. The investment can be either stock or non-stock and still fit into my AA, since I have tax-deferred space in a Vanguard ...
by suf
Sun Sep 08, 2013 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Thank you Bogleheads! Car accident today...
Replies: 35
Views: 7117

Re: Thank you Bogleheads! Car accident today...

Consider yourself lucky if the other driver has already signed off for the 16K. It means its over and they cant sue you for more. In the past, I was hit by an unlicensed drunk driver who went to jail for the accident. Then I was sued by his passenger for 1.5 million dollars...which was actually in e...
by suf
Mon Aug 26, 2013 6:27 pm
Forum: Personal Investments
Topic: stable value fund vs. traditional annuity for bond alternate
Replies: 0
Views: 297

stable value fund vs. traditional annuity for bond alternate

Im trying to decide between a stable value fund and a TIAA-cref traditional annuity (RA or SRA) for a portion of my "bond" allocation. This account is with a previous employer, so I cannot add any more money, just move around whats there. Both products are currently paying 3% interest. The annuity h...
by suf
Tue Aug 20, 2013 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deduct travel for work?
Replies: 13
Views: 901

Re: Can I deduct travel for work?

The two jobs are thousands of miles apart, same profession. My accountant told me its not deductible because of the W2 status, but I wasnt completely convinced. Searching, I saw info about deducting expenses if >2% AGI, but I doubt I can meet that threshold. If the W2 vs 1099 status is the problem, ...
by suf
Tue Aug 20, 2013 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deduct travel for work?
Replies: 13
Views: 901

Re: Can I deduct travel for work?

Bummer. Just not worth it, then.

Thx
by suf
Tue Aug 20, 2013 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can I deduct travel for work?
Replies: 13
Views: 901

Can I deduct travel for work?

I have a full time job, with payment via w2. I occasionally work a second job in another state, per diem, also paid via w2. Are any of the travel expenses to the second job tax deductible?
by suf
Sun Aug 11, 2013 6:12 pm
Forum: Personal Investments
Topic: Portfolio Advice
Replies: 1
Views: 460

Portfolio Advice

Thank you all for contributing to this forum. I discovered it about 6 mos ago, when looking up information about permanent life insurance being promoted by my fiduciary financial advisor… I was able to cancel a 50,000/yr policy just in time! Please help me with investments for my portfolio, especial...
by suf
Sun Jul 14, 2013 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Bencor?
Replies: 1
Views: 379

Re: Bencor?

I worked a couple yrs at a university, and my unused vacation was cashed out to a bencor account. Nice part is, that avoids income tax. They only offered me about 10 investment options, which all had fairly high ERs. After separating from the company, you can roll to an IRA.