Search found 21 matches

by mkinvestor
Wed Oct 10, 2018 7:07 pm
Forum: US Chapters
Topic: West Michigan Bogleheads Chapter - chat
Replies: 48
Views: 4792

Re: West Michigan Bogleheads Chapter - Who's interested?

I’m interested and live on the west side of Grand Rapids
by mkinvestor
Wed Apr 15, 2015 4:02 pm
Forum: Personal Consumer Issues
Topic: Cloud-based home/asset inventory program
Replies: 4
Views: 2044

Re: Cloud-based home/asset inventory program

Thanks. I will check out Encircle. It looks like a cloud utility, which is really what I was looking for (vs. something that would install on a single computer).
by mkinvestor
Tue Apr 14, 2015 7:30 am
Forum: Personal Consumer Issues
Topic: Cloud-based home/asset inventory program
Replies: 4
Views: 2044

Re: Cloud-based home/asset inventory program

Just bumping this thread to see if anyone has any experience with this.
by mkinvestor
Thu Apr 02, 2015 9:46 am
Forum: Personal Consumer Issues
Topic: Cloud-based home/asset inventory program
Replies: 4
Views: 2044

Cloud-based home/asset inventory program

I searched the forum and the last post on this topic was from 2011. Thought it was due for a refresh. Looking for recommendations for a home & asset inventory system. Ideally, it would be cloud-based and multi-user with an iPhone/iPad app available for quick entry of items, including adding photos/b...
by mkinvestor
Tue Sep 09, 2014 8:17 pm
Forum: Personal Investments
Topic: Cost Basis Methods
Replies: 19
Views: 1267

Re: Cost Basis Methods

Thanks for all the good advice. I think I've heard enough to know that the automatic monthly investments in my taxable account is not a good idea if I plan to do tax loss harvesting. My only question then is: What do other people who have extra money from each paycheck that they want to invest in a ...
by mkinvestor
Tue Sep 09, 2014 7:42 pm
Forum: Personal Investments
Topic: Cost Basis Methods
Replies: 19
Views: 1267

Re: Cost Basis Methods

Thanks for all your replies. Sounds like the general consensus is that I should switch to SpecID tracking and have dividends (which are paid quarterly for one fund and annually for the other), deposited into money market or transferred to an external account for later (controlled) reinvestment. I gu...
by mkinvestor
Mon Sep 08, 2014 3:51 pm
Forum: Personal Investments
Topic: Cost Basis Methods
Replies: 19
Views: 1267

Cost Basis Methods

Bogleheads, I've read the Wiki regarding this topic, but still need some help determining the best direction here. We recently switched from active management by a broker with a wrapper fee to a self-managed simple portfolio of low-cost index funds at Vanguard. For our taxable account, I have been r...
by mkinvestor
Wed Aug 27, 2014 9:51 am
Forum: Personal Investments
Topic: Asset Allocation - Final Review
Replies: 0
Views: 295

Asset Allocation - Final Review

Hello Bogleheads, We are new to index fund investing and are "starting over" after using a broker to manage our accounts for several years. We have all of our non-401k investments transferred to money market funds in new Vanguard accounts and are ready to pull the trigger on our plan. Just looking f...
by mkinvestor
Wed Aug 20, 2014 1:18 pm
Forum: Personal Investments
Topic: Asset Allocation Help / Placement of Funds for Tax Purposes
Replies: 7
Views: 1036

Re: Asset Allocation Help / Placement of Funds for Tax Purpo

I revised this a bit based on some additional advice/research on tax-exempt bond funds in taxable accounts and would like to submit for thoughts one more time before we implement this plan: His 401k ($462k, 39% of portfolio, 28% of new ann. contrib.) $462k (39%) in T. Rowe Price Equity Index 500 (PR...
by mkinvestor
Wed Aug 20, 2014 11:08 am
Forum: Personal Investments
Topic: Moving Accounts to Vanguard
Replies: 9
Views: 1911

Re: Moving Accounts to Vanguard

Just a follow up on this for those who are interested. I called Vanguard and set up our accounts. It took about 2 hours on the phone to set up the four accounts. The guy was very helpful and friendly throughout the process, although we did get some incorrect information: He told us the CFP would tal...
by mkinvestor
Wed Aug 20, 2014 11:01 am
Forum: Personal Investments
Topic: Asset Allocation Help / Placement of Funds for Tax Purposes
Replies: 7
Views: 1036

Re: Asset Allocation Help / Placement of Funds for Tax Purpo

Thanks for all your help everyone. I think I might go with a combo of an intermediate-term tax-exempt bond fund in my taxable account as well as possibly adding some I-bonds in order to free up the investing space in His Roth IRA for equities.
by mkinvestor
Wed Aug 20, 2014 10:57 am
Forum: Personal Investments
Topic: Choosing Bond Component for Portfolio
Replies: 6
Views: 848

Re: Choosing Bond Component for Portfolio

Thanks for the feedback! I would probably still be stuck paying state (4.25%) and local (1%) income taxes on the earnings from the Vanguard Intermediate Tax-Exempt fund, correct?

Much appreciated!
by mkinvestor
Wed Aug 20, 2014 7:48 am
Forum: Personal Investments
Topic: Choosing Bond Component for Portfolio
Replies: 6
Views: 848

Choosing Bond Component for Portfolio

Bogleheads, My wife and I are in the 28% Federal Tax bracket and are putting together our first self-directed passive portfolio at Vanguard (moving from an actively managed portfolio with a wrap fee). We live in the state of MI (4.25% income tax and also have a 1% local city income tax) I am 38, she...
by mkinvestor
Wed Aug 13, 2014 7:44 am
Forum: Personal Investments
Topic: Asset Allocation Help / Placement of Funds for Tax Purposes
Replies: 7
Views: 1036

Re: Asset Allocation Help / Placement of Funds for Tax Purpo

Wow, this is great advice. Thank you so much! There may not be a simple answer to this, but I'll ask anyway: For long term investing in a taxable account, how does the real return of I-bonds compare with a Total Bond Market Index like VBTLX?
by mkinvestor
Wed Aug 13, 2014 7:23 am
Forum: Personal Investments
Topic: Moving Accounts to Vanguard
Replies: 9
Views: 1911

Re: Moving Accounts to Vanguard

I'm in the process of transferring retirement accounts to Vanguard from Janus and unfortunately had 2 out of 3 "specialists" give me wrong info. 2 stated I had to do a paper application for my wife and my 4 accounts, at least a 10 day turn around with paper apps mailed to Vanguard, then mailed to J...
by mkinvestor
Wed Aug 13, 2014 7:22 am
Forum: Personal Investments
Topic: Complicated Backdoor Roth IRA Situation
Replies: 5
Views: 790

Re: Complicated Backdoor Roth IRA Situation

Thanks...really appreciate the help here. Yes, if anyone has done this, I would appreciate hearing about it.
by mkinvestor
Tue Aug 12, 2014 4:13 pm
Forum: Personal Investments
Topic: Complicated Backdoor Roth IRA Situation
Replies: 5
Views: 790

Re: Complicated Backdoor Roth IRA Situation

I asked our tax accountant about this. He said that the IRS won't allow us to rollover the full amount of the gains in the Traditional IRA to the new 401k - we can only roll over to the new 401k the original amount we rolled over in 2010 plus the portion of the gains that is attributable to that amo...
by mkinvestor
Tue Aug 12, 2014 1:16 pm
Forum: Personal Investments
Topic: Complicated Backdoor Roth IRA Situation
Replies: 5
Views: 790

Complicated Backdoor Roth IRA Situation

Bogleheads, I would like some advice regarding a complicated situation we have gotten ourselves into with my wife's Roth IRA. Years ago, we became ineligible to directly invest in a Roth IRA due to income limitations. At that point, we began doing "backdoor" Roths for both of us. Due to lack of know...
by mkinvestor
Tue Aug 12, 2014 10:48 am
Forum: Personal Investments
Topic: Moving Accounts to Vanguard
Replies: 9
Views: 1911

Re: Moving Accounts to Vanguard

Thanks All. We plan to give them a call tomorrow to discuss moving the accounts over. I don't believe any of our funds are "proprietary" to MSSB so we should be able to move them in-kind to Vanguard before liquidating if that is the best way to do it. We currently pay MSSB a 1% management fee to pic...
by mkinvestor
Tue Aug 12, 2014 10:42 am
Forum: Personal Investments
Topic: Asset Allocation Help / Placement of Funds for Tax Purposes
Replies: 7
Views: 1036

Asset Allocation Help / Placement of Funds for Tax Purposes

Hi, We are planning to move all of our investments from an actively managed portfolio to a passive 3-fund strategy based on the Bogleheads philosophy. Our assets are currently held in a managed account at MorganStanley. We plan to open an account with Vanguard soon and move the funds over in order t...
by mkinvestor
Mon Aug 11, 2014 11:26 am
Forum: Personal Investments
Topic: Moving Accounts to Vanguard
Replies: 9
Views: 1911

Moving Accounts to Vanguard

My wife and I have been considering switching our investments from active management to passive for several months and I recently came across the Bogleheads forum while I was doing my research. We currently have IRAs and a Taxable account (all under active management) at MorganStanleySmithBarney, as...