Search found 4344 matches

by Earl Lemongrab
Tue May 22, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Re: Wifi + wired device

tibbitts wrote:
Tue May 22, 2018 6:51 pm
I'm guessing that $15/mo isn't buying a 10-gig connection.
The offer lists it as 30mbs download/4mbs upload top speed. Real numbers will vary.
by Earl Lemongrab
Tue May 22, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Same funds within IRA and Taxable
Replies: 26
Views: 1604

Re: Same funds within IRA and Taxable

I don't see any evidence that the IRS intended to include qualified plans. I've posted a few reasons why I think that they won't be included. The sum arguments for seems to be, "well they could if they want." It's best to look at how the IRS manages these changes. They don't just start with new rule...
by Earl Lemongrab
Tue May 22, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: How do you stop moving the goal posts.
Replies: 49
Views: 3016

Re: How do you stop moving the goal posts.

Generally financial goals by themselves aren't very useful. The money has to be for something or it just becomes abstract. Part of the problem, as I see it, is that you think you have enough to retire but don't want to do so. That's okay. You don't need to retire because someone else or some arbitra...
by Earl Lemongrab
Tue May 22, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Can I transfer brokerage Acct without speaking to FA?
Replies: 19
Views: 947

Re: Can I transfer brokerage Acct without speaking to FA?

A move to Merrill Edge might be a good solution. For 200k you could get at least $600 bonus plus free trades, then if desired sign up for Preferred Rewards (need a BOA checking account) for ongoing trades past the initial period.
by Earl Lemongrab
Tue May 22, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Checked under the hood of index funds and investment firms
Replies: 4
Views: 786

Re: Checked under the hood of index funds and investment firms

Yeah, it has nothing to do with "purity" or intentions. Vanguard hit on a patentable method of using a base fund that has both traditional mutual fund and ETF share classes. They can use this to avoid capital gains a lot of the time. Not always, as people who had VSS in the early days found out. Oth...
by Earl Lemongrab
Tue May 22, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Same funds within IRA and Taxable
Replies: 26
Views: 1604

Re: Same funds within IRA and Taxable

The fact that the IRS has not directly addressed 401(k)'s does bring some doubt. However, with the text as given, the inclusion of 401(k)'s in wash sale rules is on stronger footing than not including them. So you think they felt it important to issue a revenue ruling that specifically discussed IR...
by Earl Lemongrab
Tue May 22, 2018 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: Same funds within IRA and Taxable
Replies: 26
Views: 1604

Re: Same funds within IRA and Taxable

There are very good reasons why 401(k) and other similar plans aren't included. Among those are the contributions must come out of salary, so that tends to mean that funds are contributed to on a regular basis. Many plans have a very narrow selection of funds to choose from, so it's difficult to se...
by Earl Lemongrab
Tue May 22, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Roth question
Replies: 24
Views: 1447

Re: Roth question

I took the money out and put it into the new account within the same week. I'm waiting on a reply from Fidelity. Might call them. This is the first and only direct rollover This would be, if it can be clarified as such, an indirect rollover. You took money out personally and could have spent it.
by Earl Lemongrab
Tue May 22, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Re: Wifi + wired device

I certainly don't want to argue with or discourage anyone from offering up their inputs.
by Earl Lemongrab
Mon May 21, 2018 8:01 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Re: Wifi + wired device

N10sive wrote:
Mon May 21, 2018 6:16 pm
honestly adding a wifi pc card might be the easiest solution.
It's a fairly expensive solution compared to this, and more trouble. I'm sure why it would be easiest.
by Earl Lemongrab
Mon May 21, 2018 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Same funds within IRA and Taxable
Replies: 26
Views: 1604

Re: Same funds within IRA and Taxable

However, purchases in a 401k can trigger a wash sale in a taxable account. Not at all likely. One section of the tax code says that a wash sale occurs whenever you buy substantially identical replacements for shares sold at a loss in a taxable account within +-30 days. Another section says that a w...
by Earl Lemongrab
Mon May 21, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Roth question
Replies: 24
Views: 1447

Re: Roth question

Contact the receiver and see about getting it reclassified as a 60-day rollover.
by Earl Lemongrab
Mon May 21, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Missing Cost Basis
Replies: 5
Views: 391

Re: Missing Cost Basis

Log onto Computershare. Click on your account, select Transaction History. It goes back to at least the late 90's. You can then select the details of each transaction, quarter by quarter or month by month. Have fun tabulating the cost basis. Alternatively, contact Exxon Mobil Investor Relations - n...
by Earl Lemongrab
Mon May 21, 2018 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Roth question
Replies: 24
Views: 1447

Re: Roth question

Exactly how did you do it? Did you withdraw cash and deposit it as a rollover to the new one?

What you should have done was a trustee transfer from old to new custodian.
by Earl Lemongrab
Mon May 21, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Re: Wifi + wired device

You already looked. That merits being shown what to look for. Connect an Ethernet-Enabled Device After the extender is connected to your existing WiFi network, you can connect a wired device to the extender using an Ethernet cable. The device can then access your existing network through the extend...
by Earl Lemongrab
Mon May 21, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Same funds within IRA and Taxable
Replies: 26
Views: 1604

Re: Same funds within IRA and Taxable - Avoid Wash Sale

However, another question came up. Which portfolio is more efficient and best to avoid potential wash sales and rebalance yearly? Again, Roth IRA contributions are made lump sum in January every year. Taxable contributions are made throughout the year whenever I have extra savings. Do not plan on t...
by Earl Lemongrab
Mon May 21, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!
Replies: 92
Views: 8225

Re: Don't leave your non-spouse heirs TIRAs with basis, unless you hate them!

sschoe2 wrote:
Mon May 21, 2018 9:49 am
I'm confused. I though tIRA's bases are irrelevant because both the principle and growth are equally taxed at full federal and in some cases state levels.
No, basis is money you already paid tax on. You don't pay tax again when it's withdrawn. It's also why the backdoor Roth works.
by Earl Lemongrab
Mon May 21, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth in 2018. Has anything changed?
Replies: 19
Views: 5160

Re: Backdoor Roth in 2018. Has anything changed?

How are you able to roll over the TIRA balance without rolling over the basis? Don't they go hand in hand and both are automatically rolled over? Or is there an option on the form to first roll over the balance, and submit a second form to roll over the basis once the plan accepts the balance? Not ...
by Earl Lemongrab
Sun May 20, 2018 11:44 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Re: Wifi + wired device

jabberwockOG wrote:
Sun May 20, 2018 10:26 pm
I assumed the desktop must be pretty old if it does not have wireless built into its network capability. If it is a recent system it would likely have wireless capability.
Desktops either have to have a wifi enable motherboard or a PCI card. That's extra cost.
by Earl Lemongrab
Sun May 20, 2018 6:43 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Re: Wifi + wired device

tibbitts wrote:
Sun May 20, 2018 2:52 pm
I'm seriously not understanding the issue here. Usb wifi is what, $5? Just try it.
Not the ones I looked at.
by Earl Lemongrab
Sun May 20, 2018 6:42 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Re: Wifi + wired device

Don't pay to rent the crappy router the media company wants to sell to you. Instead get a good latest tech router for less than $100 or so, and set it up where it comes into the home. It should have plenty of range to work with your desktop for most purposes. That's the idea. I will be looking to b...
by Earl Lemongrab
Sun May 20, 2018 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2473

Re: Wife Retiring hesitant to roll-over funds to Vanguard

It doesn't say actively managed in the prospectus. State Street S&P500 Index Fund Class k is the fund name. If you compare this fund with a benchmark for the past 5 years you'll see what I mean. Just to confirm, you mean SSSYX ? I think you're accidentally comparing price change rather than total r...
by Earl Lemongrab
Sun May 20, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Re: Wifi + wired device

I have no idea right now whether an extender is even needed but it probably couldn't hurt. How far from your cable modem is your computer located? 60 feet maybe? With a couple of walls in between. A narrow hall connects the office to the family room where the cable comes in. 60 feet should be fine ...
by Earl Lemongrab
Sun May 20, 2018 1:54 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Re: Wifi + wired device

JoeRetire wrote:
Sun May 20, 2018 1:49 pm
Earl Lemongrab wrote:
Sun May 20, 2018 1:44 pm
I have no idea right now whether an extender is even needed but it probably couldn't hurt.
How far from your cable modem is your computer located?
60 feet maybe? With a couple of walls in between. A narrow hall connects the office to the family room where the cable comes in.
by Earl Lemongrab
Sun May 20, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: When to and when not to “reinvest dividend and capital gains”
Replies: 24
Views: 2199

Re: When to and when not to “reinvest dividend and capital gains”

I don't reinvest distributions at all outside of the 401(k), which doesn't have any. My holdings elsewhere are all ETFs. I prefer to invest the distributions myself for two reasons: 1. I direct new purchases to lagging allocations, so a sort of ongoing rebalancing. 2. I move my assets around quite a...
by Earl Lemongrab
Sun May 20, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Re: Wifi + wired device

Sounds like it's worth a try. I have no idea right now whether an extender is even needed but it probably couldn't hurt. I will look at some of the other suggestions.
by Earl Lemongrab
Sun May 20, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Money (Accounts)
Replies: 6
Views: 947

Re: Moving Money (Accounts)

Depending on the custodian, you might get a nice bonus for moving that money to them (not Vanguard). You could contact them to see what they could do for that amount.
by Earl Lemongrab
Sun May 20, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: International -- VXUS or slice and dice?
Replies: 14
Views: 1246

Re: International -- VXUS or slice and dice?

You can reduce the amount of small and/or value, but in reality small allocations aren't going to do much one way or the other. You need to have some significant weight to those or just go with broad market and not worry about it. Trev's point was to pull all those slices together into representativ...
by Earl Lemongrab
Sun May 20, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Re: Wifi + wired device

go_mets wrote:
Sun May 20, 2018 1:17 pm
Is you house pre-wired for cable?
No. It's a 60s brick house. No basement.

I'd prefer to focus on the question at hand.
by Earl Lemongrab
Sun May 20, 2018 12:58 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Re: Wifi + wired device

Pajamas wrote:
Sun May 20, 2018 12:52 pm
The cable company won't run a cable to the other end of the house for you?
Maybe, but I don't want to mess with anything like that.
by Earl Lemongrab
Sun May 20, 2018 12:47 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 47
Views: 2231

Wifi + wired device

I received an offer from the cable company for internet service. Pretty tempting offer at $15/month, free modem, self set-up, so I am thinking of giving it try. The cable comes in at a point on the other end of the house from the office area where the PC lives. My thoughts are to set up wifi where i...
by Earl Lemongrab
Sun May 20, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Good read on why to keep a simple indexed fund portfolio
Replies: 11
Views: 2125

Re: Good read on why to keep a simple indexed fund portfolio

Sorry, but I found the article to muddled and pointless. You can have multiple asset classes and still use index funds. The concepts are independent.
by Earl Lemongrab
Sun May 20, 2018 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Converting property in to neighborhood park. Trust needed?
Replies: 20
Views: 1151

Re: Converting property in to neighborhood park. Trust needed?

Better make that clear to the people that buy the half with the house.
by Earl Lemongrab
Sun May 20, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Employee stock - Brokerage account suggestion
Replies: 7
Views: 566

Re: Employee stock - Brokerage account suggestion

TD Ameritrade has a bonus offer that would at least get you free equity trades for 60 days. If you can get up over 25k in transfer/deposit, a little more.

https://www.tdameritrade.com/specialoffer.page
by Earl Lemongrab
Fri May 18, 2018 6:43 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 9897

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

WhiteMaxima wrote:
Fri May 18, 2018 3:23 pm
Make sure you got all the company match over the year 1st then max the 55k.
That might not be possible or necessary. Some plans only give you the full match if you contribute in every pay period. Also, some that offer after-tax contributions match them. Megacorp did both.
by Earl Lemongrab
Fri May 18, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: CD ladder setup with Merrill ??
Replies: 5
Views: 576

Re: CD ladder setup with Merrill ??

Yeah, the G Fund is at 2.875% this month, so it compares favorably to the CDs you mention. Now, the G rate isn't fixed for longer than the month, but I wouldn't expect it to go down soon.

For me, fixed income in tax-advantaged, stocks in taxable. At Edge you could be getting some free ETFs.
by Earl Lemongrab
Fri May 18, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cash instead of bonds for 3-fund
Replies: 22
Views: 1987

Re: Cash instead of bonds for 3-fund

indexonlyplease wrote:
Fri May 18, 2018 6:38 am
Remember on top of the 0% yield what is the administrative cost for your 401k. So you also be in the negative yield with the mm.
That's generally not the case. The posted rate is usually net of fees.
by Earl Lemongrab
Fri May 18, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cash instead of bonds for 3-fund
Replies: 22
Views: 1987

Re: Cash instead of bonds for 3-fund

My 401k asset allocation is 60% stock 40% bonds with 20% of my stock being international, and the bond allocation being entirely in a Fidelity intermediate-term bond fund. My intermediate-term bond fund is -3% for the year. It seems like cash would work just as well as a bond fund in terms of allow...
by Earl Lemongrab
Fri May 18, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: In plan Roth conversion and RMDs
Replies: 6
Views: 538

Re: In plan Roth conversion and RMDs

Usually it's not advantageous to convert to Roth while working. Also, if you have Roth 401(k) available, why not contribute directly to that?
by Earl Lemongrab
Fri May 18, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 9897

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

... If you have the option to put it in Roth, I don't see any reason not to do so. Paying ordinary income tax on years worth of earnings seems like a high price to pay for ERISA protection. Depending on state that might not even be worth much. I don't qualify to make Roth or deductible IRA contribu...
by Earl Lemongrab
Fri May 18, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can I Roth convert 401k? (and other retirement acct questions)
Replies: 10
Views: 803

Re: Can I Roth convert 401k? (and other retirement acct questions)

It's not entirely clear what you are asking. Are you able to make regular Roth IRA contributions? If so, then that's easier. If not, because your income is too high, then using the "backdoor Roth" might make sense. Tax-deferred 401(k) contributions are not eligible for in-service distribution before...
by Earl Lemongrab
Fri May 18, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: 2018 401k limit is $55K - do you max it out? Why/why not?
Replies: 110
Views: 9897

Re: 2018 401k limit is $55K - do you max it out? Why/why not?

Under my employers plan, I have the option to withdraw my after-tax amount should I change my mind. It would come with a pro-rata amount of earnings that could be subject to a 10% penalty, but I don't expect I'll be withdrawing it. I also have the option to roll it into a Roth account that would be...
by Earl Lemongrab
Thu May 17, 2018 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?
Replies: 12
Views: 522

Re: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?

Thanks ... good advice. I guess that would mean I can make the non-deductible contribution this year then wait to convert next year after I've segregated the basis in the tIRA? If so, seems that I would not be losing out on one year's worth of backdoor Roth as I'd feared ... just delaying the actua...
by Earl Lemongrab
Thu May 17, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?
Replies: 12
Views: 522

Re: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?

General approach sounds right to me. I don't get why you would have to wait until 2019 to start the process. Why not open the Solo 401k now and start funding it? Roll the SEP into the IRA or the 401k. The law doesn't permit having an active SEP and i401(k) in the same year. If the OP hadn't made an...
by Earl Lemongrab
Thu May 17, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Protecting assets against frivolous litigations
Replies: 21
Views: 3293

Re: Protecting assets against frivolous litigations

TN_INVEST wrote:
Thu May 17, 2018 9:01 am
If the credit exists currently
Just so everyone is aware, this was a reply to a post from 9/2015.
by Earl Lemongrab
Thu May 17, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401k loan to get new employer's company match
Replies: 15
Views: 728

Re: 401k loan to get new employer's company match

Did your old company match? Some people have reported over-contributing at the new company and trying to get the old one to do the correction. However, they have little incentive to cooperate.
by Earl Lemongrab
Thu May 17, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401k loan to get new employer's company match
Replies: 15
Views: 728

Re: 401k loan to get new employer's company match

New company doesn't know about the 16000 you already contributed, so you could just do non-taxable contributions and still get the match. How does one elect non-taxable contributions (did not see this option in the plan administrator's website)? I assume the advice was supposed to be to make non-Ro...
by Earl Lemongrab
Thu May 17, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Requesting to go part time - negotiating strategies
Replies: 30
Views: 2574

Re: Requesting to go part time - negotiating strategies

I was on reduced workweek for a significant time (over two years) before retiring. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=163988 In my case it was every Friday off. Megacorp had established policies for that. If you worked more than 32 hours, you got full medical coverage. So my schedu...
by Earl Lemongrab
Thu May 17, 2018 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't you rollover a retirement account into another one that you no longer work at?
Replies: 33
Views: 1731

Re: Why can't you rollover a retirement account into another one that you no longer work at?

An active plan doesn't even have to allow rollovers in. It's common to allow them from old 401(k)s, but the law only permits it. A recent change to Megacorp's plan was to allow rollovers in even after you separate from service. There's really no reason to obsess about it. There's nothing you can do....
by Earl Lemongrab
Thu May 17, 2018 11:14 am
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 127
Views: 8935

Re: The front page is ugly

I don't care for the "front page" but I don't worry about it. I prefer the index, because I like to read threads by forum.