Search found 6935 matches

by JW-Retired
Sat Nov 17, 2018 8:02 pm
Forum: Personal Consumer Issues
Topic: Toyota Dealer Lost My New Car's Key
Replies: 13
Views: 1930

Re: Toyota Dealer Lost My New Car's Key

Toyota can use their in house OEM TechStream maintenance application to programmatically remove the lost key from the car's internal key registry and then add the new replacement key. Ask them to do so and to show you a printout confirming the lost key has been programmatically removed from the car...
by JW-Retired
Sat Nov 17, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Toyota Dealer Lost My New Car's Key
Replies: 13
Views: 1930

Re: Toyota Dealer Lost My New Car's Key

You didn't say what model you have but it is almost certain that the car needs to be programed to recognize the key. When the new key is programed they should remove the old key from the list . Once that is done the old key may still open the door but it won't start the engine. Thanks Watty. That s...
by JW-Retired
Sat Nov 17, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Toyota Dealer Lost My New Car's Key
Replies: 13
Views: 1930

Re: Toyota Dealer Lost My New Car's Key

It's a 2018 RAV4.
JW
by JW-Retired
Sat Nov 17, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Toyota Dealer Lost My New Car's Key
Replies: 13
Views: 1930

Toyota Dealer Lost My New Car's Key

My Toyota dealer got my new car in a rush from another area dealer to get us exactly what we wanted. Those other guys delivered it to our dealer with only one electronic key instead of two. So the 2nd key was lost or stolen at that other dealer. My dealer has been trying to get them to track it down...
by JW-Retired
Fri Nov 16, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Fund advice
Replies: 6
Views: 351

Re: 401K Fund advice

Anonperson, American Funds Balanced Fund R6 (RLBGX) ER 0.28% looks pretty good if the ER is near that, but I highly doubt it's that low. You are giving us the exact ER that morningstar lists for retail investors. I think you need to look in your own 401k information to get your actual ER and other c...
by JW-Retired
Fri Nov 16, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Help With Backdoor Roth
Replies: 18
Views: 1056

Re: Help With Backdoor Roth

Let's say I did convert her tIRA to the Roth - another poster above recommended contribution $5500 into the tIRA before I do the conversion? And this would effectively function as the backdoor Roth for this year. Is that right? Any issues with that approach? If you want to pay tax now on the conver...
by JW-Retired
Thu Nov 15, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7839
Views: 1609163

Re: U.S. stocks in freefall

I had to Google "TA" to learn that it refers to technical analysis. I was a TA in grad school. There must be other TAs among Bogleheads. I was a Physics TA when I was a grad student back in the 80s. TA = "technical analysis"?? I believe that a TA was a grad student "teaching assistant" back then. A...
by JW-Retired
Thu Nov 15, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Strategy during the last stock market decline
Replies: 58
Views: 6150

Re: Strategy during the last stock market decline

My wife and I were really scared. We did nothing at all. I wouldn't call it a "strategy." When was this? Were you employed or retired? Why doing nothing is NOT a strategy? It is a VERY VALID strategy. AlphaLess, Nisi was talking about 2008/09, but I agree with you that doing nothing is a "very vali...
by JW-Retired
Wed Nov 14, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 6814

Re: Are you all staying the course?

This is nothin', wait until it drops 30-50% than let's see who is staying put :twisted: What's the diffculty with staying put? If stocks do drop 50% my original 60/40 portfolio will lose half of my equity money. Meaning I still have 70% of my previous wealth. That is not all that terrible! What cou...
by JW-Retired
Wed Nov 14, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 97
Views: 12888

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

OP, Unless you can buy, hold, and rebalance in the face of bull and bear market , do not buy separate stock and bond funds. KlangFool OP, I don't think it needs to be so hard for you. Just do nothing in bear markets and wait patiently for the subsequent bull market to re-balance for you. Doing noth...
by JW-Retired
Tue Nov 13, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 129
Views: 6149

Re: Roth vs. Traditional 401k

Roth 401K is a bad choice. I like KlangFool, he offers a lot of great advice on this forum. However, sometimes he likes to play devils advocate. Constantly telling people Roth 401k is a bad choice for everyone is misleading and not helpful. It's as simple as this people... If you can lock in a low ...
by JW-Retired
Mon Nov 12, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Social Security Claiming Strategy - Seeking Confirmation
Replies: 30
Views: 2962

Re: Social Security Claiming Strategy - Seeking Confirmation

Based on Mike Piper's opensocialsecurity tool, it suggests that DW should apply so that her social security benefits begin immediately following her 62nd birthday. I would wait until age 70 to collect my benefits, at which point she would convert to the higher spousal benefit. Three questions: 1. A...
by JW-Retired
Sun Nov 11, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 129
Views: 6149

Re: Roth vs. Traditional 401k

Would you still recommend traditional 401k once we hit the income limit for Roth IRAs? There is no income limit for doing "Backdoor Roth" contributions. You didn't mention having any tIRAs, SEP IRAs, simple IRAs, or rollover IRAs? If it's true you don't any of these, you each are all set up to do y...
by JW-Retired
Sat Nov 10, 2018 9:50 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 94
Views: 7836

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Prudence wrote:
Sat Nov 10, 2018 8:14 am
What does Extended Download do and/or why do I need it?
Not sure what it's good for? I don't spend the extra $5 and have never had a need to. You still get all the updates over the next year or more.

Maybe only if you lose the software and need to start again from scratch?
Jw
by JW-Retired
Thu Nov 08, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: 403b vs Roth vs taxable account
Replies: 14
Views: 900

Re: 403b vs Roth vs taxable account

You can't tell if it's good by the name of the administrator, you need to actually find out the costs in this particular 403b. .............. JW-Retired , a K-14 403b is in a different world than a megacorp 401k. The K-14 403b is a non-ERISA plan that is an arrangement between the vendor and the em...
by JW-Retired
Thu Nov 08, 2018 11:52 am
Forum: Investing - Help with Personal Investments
Topic: 403b vs Roth vs taxable account
Replies: 14
Views: 900

Re: 403b vs Roth vs taxable account

Thank you for the advice everyone. They do work K-12 education, and the mass mutual seems to be about the best. Not a lot of really good choices...VOYA, AXA, Ameriprise.. You can't tell if it's good by the name of the administrator, you need to actually find out the costs in this particular 403b. I...
by JW-Retired
Wed Nov 07, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: 401K rollover to Roth
Replies: 8
Views: 368

Re: 401K rollover to Roth

I retired from a mega corp and still have a 401K balance in Fidelity. Based on the Fidelity website, I can add up my before and after tax balance. I would like to rollover the after tax potion to Roth IRA. I have no idea what the contributions were, only the current balance. From the IRS website, i...
by JW-Retired
Wed Nov 07, 2018 10:04 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8083

Re: What's everyone currently in?

Hi everyone I'm just curious with all the volatility in the market right now what's everyone currently invested in? I have my Roth IRA with VTI, BND, VXUS which is very basic I haven't touched it in years but with all this volatility I'm thinking I may want to. My Roth is all equities. Total invest...
by JW-Retired
Wed Nov 07, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Moved from EJ - Three Fund Port IRA/Roth
Replies: 4
Views: 331

Re: Moved from EJ - Three Fund Port IRA/Roth

Current situation: Me - Age 43: ~$164K Trad/SEP IRA ~$8,800 Roth Wife - Age 43: ~$11,500 Trade IRA All accounts are currently being maxed out with contributions totaling $16,500/yr. "Maxed out" at 3 x $5500? A SEP IRA usually has a much bigger limit than $5500. What's the situation with the SEP? ht...
by JW-Retired
Mon Nov 05, 2018 10:52 am
Forum: Investing - Help with Personal Investments
Topic: How does a pension roll-over to a TIRA affect ones ability to do a back door ROTH IRA conversion
Replies: 9
Views: 475

Re: How does a pension roll-over to a TIRA affect ones ability to do a back door ROTH IRA conversion

................. I went to do my usual back door ROTH IRA conversion not paying attention to the rollover-TIRA that I still had. The back door ROTH IRA conversion went through without difficulty, but I am worried about the roll-over TIRA and how it affects the back door ROTH conversion and its tax...
by JW-Retired
Mon Nov 05, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Newbie question: IRA conversion with high pensions
Replies: 7
Views: 647

Re: Newbie question: IRA conversion with high pensions

We will have 130k in pension leaving us in a high tax bracket. Deciding best route for our IRA. Just learned we can do a backdoor conversion to a Roth with my SEP and rollover IRA. W e have a good amount in there (around 650K). With the current tax cuts-might be a good idea. We didn't get any more ...
by JW-Retired
Sun Nov 04, 2018 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Backdoor Roth
Replies: 18
Views: 1056

Re: Help With Backdoor Roth

justsomeguy2018 wrote:
Sun Nov 04, 2018 10:41 am
Our tax bracket is 24%, MAGI under $250k this year (possibly not next year though).
The married MAGI limit for any direct Roth contribution in 2018 is $199k.
JW
by JW-Retired
Sun Nov 04, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Help With Backdoor Roth
Replies: 18
Views: 1056

Re: Help With Backdoor Roth

(2) If you do a backdoor Roth every year, how exactly does that work - does it create multiple Roth accounts you have to manage, or do they just accumulate into a single account? I'm a little confused on that part. I have IRAs at Vanguard but only a taxable account at Fidelity, so don't know what F...
by JW-Retired
Sun Nov 04, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Newbie question: IRA conversion with high pensions
Replies: 7
Views: 647

Re: Newbie question: IRA conversion with high pensions

Hi-learning late in life! 54 and 8-9 years from retirement in a high cost of living state. We will have 130k in pension leaving us in a high tax bracket . Deciding best route for our IRA. Just learned we can do a backdoor conversion to a Roth with my SEP and rollover IRA. We have a good amount in t...
by JW-Retired
Fri Nov 02, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: What does your gut tell you; RMD now or in December?
Replies: 38
Views: 2203

Re: What does your gut tell you; RMD now or in December?

Nowizard Worte: Are you sure you must draw from each fund rather than from the total of each retirement account which may contain several funds? I am absolutely sure. I have spoken to two Fidelity representatives about this AT&T requirement. They said AT&T does not allow choosing a fund from which ...
by JW-Retired
Thu Nov 01, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: How do I find an investment strategy?
Replies: 16
Views: 1150

Re: How do I find an investment strategy?

Suggest you start with this tiny free ETF book by William Bernstein. You can also get it from Amazon if you want a hard copy or kindle copy.

https://www.etf.com/docs/IfYouCan.pdf

This is Bill's description of it.
viewtopic.php?t=136528
JW
by JW-Retired
Wed Oct 31, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover -> What to invest?
Replies: 6
Views: 618

Re: 401k Rollover -> What to invest?

PFInterest wrote:
Wed Oct 31, 2018 6:24 am
vss wrote:
Tue Oct 30, 2018 11:51 pm
I just rolled over my old 401K to a Rollover IRA with $80000.
so you don't need backdoor rIRA?
Yeah, this is the big semi-secret downside to rolling to a tIRA. If the OP is single then it only takes $135k in gross income to be banned from making any Roth contributions directly.
JW
by JW-Retired
Tue Oct 30, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Non qualified deferred compensation plan advice
Replies: 5
Views: 474

Re: Non qualified deferred compensation plan advice

Tax Filing Status: (Married Filing Jointly) Tax Rate: 35% Federal, 5 % State State of Residence: AL Age: 38 ................... His Roth IRA at Vanguard Just contributed this year –still did not decide on allocation .......................... Her 403b Just started new job and will do max of 18500 a...
by JW-Retired
Tue Oct 30, 2018 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Unique TLH question... maybe
Replies: 11
Views: 1020

Re: Unique TLH question... maybe

I would suggest harvesting all the losses now, but waiting until 2019 to sell Explorer for a gain. This will allow you to take $3000 in 2018 against your ordinary income rather than against any long-term gains in Explorer. If you are in a 24% tax bracket, it will save you $270 in tax because you ge...
by JW-Retired
Mon Oct 29, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Unique TLH question... maybe
Replies: 11
Views: 1020

Re: Unique TLH question... maybe

Thanks for the response. I do have realized gains to absorb the losses... For reference, I have roughly $6k in Vanguard Explorer long-term gains So knowing that, does it makes sense to sell the losses to offset the gains (and minimize the higher ER account?) Thanks! "Realized gains" mean you alread...
by JW-Retired
Mon Oct 29, 2018 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Unique TLH question... maybe
Replies: 11
Views: 1020

Re: Unique TLH question... maybe

I have a collection of short-term losses in other taxable accounts, including: VFIAX - Vanguard 500 Index (~$750 losses, all short-term) VTIAX - Vanguard International Index (~$2,800 short-term and ~$750 long-term) Does it make sense to sell the roughly $4,300 in losses in the above two accounts, t...
by JW-Retired
Mon Oct 29, 2018 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Question on Roth conversions
Replies: 7
Views: 679

Re: Question on Roth conversions

I'd like to do it as well, but right now I hold an IRA (rollover 401K from a previous job) with about $100k with Vanguard. Under the aggregation rules, this makes it difficult for me to use the backdoor Roth strategy. Would it make any sense for me to transfer my existing Vanguard IRA into my TSP a...
by JW-Retired
Sun Oct 28, 2018 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Another Tax Loss Harvesting Questions, from a beginner
Replies: 7
Views: 742

Re: Another Tax Loss Harvesting Questions, from a beginner

Another thread here suggested this tax Loss Harvesting article...... looks pretty good based on my skim.

https://www.physicianonfire.com/tax-los ... =198528535
JW
by JW-Retired
Sun Oct 28, 2018 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Reverse roll over IRAs for backdoor roth IRA
Replies: 7
Views: 306

Re: Reverse roll over IRAs for backdoor roth IRA

motaska, What you have written is very confusing. Is your 401k a Roth 401k ? That might throw you off. If it is an ordinary tax-deferred 401k you still can't roll a traditional IRA into it if the IRA contains any after tax contributions. There is a complicated way you can separate it and just put th...
by JW-Retired
Sun Oct 28, 2018 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Another Tax Loss Harvesting Questions, from a beginner
Replies: 7
Views: 742

Re: Another Tax Loss Harvesting Questions, from a beginner

I should have explained: The very low-cost-basis stocks were either a gift (in which I took the donor's tax cost basis) or an investment I made decades ago. Some of the recently inherited medium-cost-basis stocks came from a marital bypass trust, so their step up date was some time back. OK, gift n...
by JW-Retired
Sat Oct 27, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Another Tax Loss Harvesting Questions, from a beginner
Replies: 7
Views: 742

Re: Another Tax Loss Harvesting Questions, from a beginner

I recently inherited about 100 individual stocks & bonds, often with low cost bases. Many of the bonds have been called. I have been selling the stocks as taxes allow, to buy Vanguard funds. That "low cost basis" doesn't seem right. An inherited stock should have had the cost basis reset to the val...
by JW-Retired
Sat Oct 27, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Help! For a larger size taxable account do I pay an advisor?
Replies: 51
Views: 4056

Re: Help! For a larger size taxable account do I pay an advisor?

Also, do I need to worry about doing tax loss harvesting? Would be starting out with a big 80K loss to start with. Really do not want to pay an advisor if this is manageable myself. Fidelity ZERO Total Market Index Fund (FZROX) or Fidelity Total Market Index Fund (FSKAX) Fidelity ZERO International...
by JW-Retired
Fri Oct 26, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA?
Replies: 9
Views: 658

Re: Backdoor Roth IRA?

Thank you all very much for the help. One more question: I've read that I may need to wait some number of days between investing in the traditional IRA and converting/transferring to the Roth? Is that right? Very doubtful. I never have waited beyond the couple of days it took to see that my contrib...
by JW-Retired
Thu Oct 25, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA?
Replies: 9
Views: 658

Re: Backdoor Roth IRA?

I plan on investing at least half of the 650k cash over the next year or two; it will in essence be retirement / long term investment money. Instead of putting it into a taxable account, am I better off putting it into a backdoor roth IRA? Do we even qualify? Neither of us currently have an IRA of ...
by JW-Retired
Thu Oct 25, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: social security maximize plan
Replies: 9
Views: 1084

Re: social security maximize plan

Husband Current age 64 PIA $ 2,713 Age 70 $ 3,605 Spouse Current age 58 PIA $ 1,834 Age 70 $ 2,541 Strategy: 1. all SS calculators agreed on husband to delay filing till age 70 2. the age for the spouse filing for retirement benefit was as low as 62 to 67 depending on the calculator. Please advise ...
by JW-Retired
Thu Oct 25, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Got charged 3 brokerage fees for one sell transaction is that normal ?
Replies: 17
Views: 1410

Re: Got charged 3 brokerage fees for one sell transaction is that normal ?

Well O.K. that makes more sense … and If that is the case …. then should of made a ' like kind " transfer to Vanguard then sold my holdings at their $ 25 fee per transaction instead of getting dry honed n' reamed for $ 620 for the 3 lots at EJ ….. :annoyed So how does the $620 compare with their fe...
by JW-Retired
Tue Oct 23, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: Jason Hsu and William Bernstein Like Overbalancing
Replies: 40
Views: 7748

Re: Jason Hsu and William Bernstein Like Overbalancing

Overbalancing sounds like a lot of work! :D Personally, I don't understand why more folks don't do what I choose follow, which is do only one-way bull market re-balancing? That forces you to sell your existing portfolio stocks only when you exceed your upper stock band near market highs, and never a...
by JW-Retired
Thu Oct 18, 2018 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5302

Re: Spoke with a CFP...underwhelming!

3. We both agreed on the SWR of 4% and most of the common mentions there... Did you both agree that the SWR of 4% was before his cost? Leaving you to net for example 3%? If not, how did he skirt that fact of arithmetic? JW This is a non issue if the advisor is fee only. Exactly - and this was just ...
by JW-Retired
Thu Oct 18, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Spoke with a CFP...underwhelming!
Replies: 51
Views: 5302

Re: Spoke with a CFP...underwhelming!

unstoppable wrote:
Thu Oct 18, 2018 6:59 am
3. We both agreed on the SWR of 4% and most of the common mentions there...
Did you both agree that the SWR of 4% was before his cost? Leaving you to net for example 3%?

If not, how did he skirt that fact of arithmetic?
JW
by JW-Retired
Thu Oct 18, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire because you hit your number?
Replies: 71
Views: 6600

Re: Did you retire because you hit your number?

I blew well past my number. Just couldn't stand to retire until the whizbang project I'd so enjoyed finally came to fruition.

It was a happy retirement day. :D
JW
by JW-Retired
Tue Oct 16, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security [impact of earnings on benefits]
Replies: 29
Views: 2847

Re: Social Security [impact of earnings on benefits]

My PIA is 2580 , At 62 it is 1858 I will lose 100,332 if I wait until Im 66.5 . That 100332 I will need to take out of my investments . It will take over 14 years to make up the 100332 I will lose . I also will lose some return on my investments ( hopefully ) if I cash in 100000 . If I wait the adv...
by JW-Retired
Mon Oct 15, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: help with personal finance and alternatives
Replies: 7
Views: 475

Re: help with personal finance and alternatives

I have Fidelity Roth and Traditional IRA. Do I roll it over to Roth or Traditional? (if so, which one) or do I wait until my newest position kicks in to contribute 6 months from now and roll it over then? Did you mean what you said? :shock: As others have noted, it would be a ghastly disaster to ro...
by JW-Retired
Sat Oct 13, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Bank lost beneficiary paperwork, says must go through probate
Replies: 18
Views: 2565

Re: Bank lost beneficiary paperwork, says must go through probate

Similar problem occurred in my family. A relative thought his TSP account named a beneficiary. TSP said did not have a record of it. Resulted in several $100K of taxable income for his heir. TSP is a tax differed savings plan so heirs always will pay tax on the drawn out income. Do you mean the rel...
by JW-Retired
Sat Oct 13, 2018 10:51 am
Forum: Investing - Help with Personal Investments
Topic: how to put different ETF in different accounts
Replies: 27
Views: 1199

Re: how to put different ETF in different accounts

1) we have about 1.3 million of investable asset. Should I hire a professional manager to manage it for me? I understand bogleheads advocates for low fee index fund investing. But what're the pros/cons of hiring a financial advisor in consideration of my asset in terms of planning for early retirem...