Search found 76 matches

by Grover
Tue Apr 09, 2019 8:24 am
Forum: Personal Finance (Not Investing)
Topic: 401(k)/403(b) maxed out, can I still place $5500 in an IRA?
Replies: 9
Views: 1146

Re: 401(k)/403(b) maxed out, can I still place $5500 in an IRA?

You can contribute 5500 for 2018, 6000 for 2019.
by Grover
Sat Feb 02, 2019 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Profit sharing question
Replies: 5
Views: 387

Re: Profit sharing question

Depends on the company, but it’s most likely pro-rated. Thanks for replying! I tried to google the answer but couldn’t find it. Of course employer would prefer to pay less if they can. Most likely the employer has a very exact formula for this that simply doesn't vary at all! How fair would you fee...
by Grover
Fri Feb 01, 2019 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Profit sharing question
Replies: 5
Views: 387

Re: Profit sharing question

champion_ham wrote:
Fri Feb 01, 2019 10:03 pm
Depends on the company, but it’s most likely pro-rated.
Thanks for replying! I tried to google the answer but couldn’t find it. Of course employer would prefer to pay less if they can.
by Grover
Fri Feb 01, 2019 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Profit sharing question
Replies: 5
Views: 387

Profit sharing question

If you became eligible for profit sharing ( entry date July 1st) do you get a full profit sharing for A year or would it be pro rated for 6 months?

Thanks!
by Grover
Sat Jan 12, 2019 1:56 pm
Forum: Personal Consumer Issues
Topic: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?
Replies: 81
Views: 6437

Re: Anyone raised 3 kids WITHOUT buying a 3-row vehicle?

I have 3 kids we got a Honda Odyssey it is very convenient, we can even fit our in-laws when they come visit (4 adults and 3 car seats).
by Grover
Wed Jan 02, 2019 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: what do you think about my advice to my brother please help!
Replies: 24
Views: 2629

Re: what do you think about my advice to my brother please help!

I would like to thank all of you for the feedback! 👍
by Grover
Mon Dec 31, 2018 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: what do you think about my advice to my brother please help!
Replies: 24
Views: 2629

Re: what do you think about my advice to my brother please help!

Lots of good advice in this thread (including your original ideas). One question I'd ask you is if your brother needs information or discipline (or both). If information, you've got pretty much everything you need. If discipline (i.e you're afraid he won't act aggressively on that information), the...
by Grover
Mon Dec 31, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: what do you think about my advice to my brother please help!
Replies: 24
Views: 2629

Re: what do you think about my advice to my brother please help!

Thank you all from the bottom of my heart! I will let him read this so he will be encouraged to go forward and aggressively pay his loans.

I look forward for more feedback!
by Grover
Mon Dec 31, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: what do you think about my advice to my brother please help!
Replies: 24
Views: 2629

what do you think about my advice to my brother please help!

Hello everyone, I am giving advice for my brother I just want to run it by bogleheads friends My brother has a 470k student loans at 7.3%, he is a physician he works hard now making 400k self employmed he is married no kids no mortgage. He has only 18k in his retirement. Wife is not working. He has ...
by Grover
Fri Dec 14, 2018 7:50 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 4323

Re: Who else is doing home automation?

money_bunny wrote:
Fri Dec 14, 2018 6:52 am
Grover wrote:
Thu Dec 13, 2018 7:53 pm

Next is to get a a smart mower
This. I love this concept, but worry about someone stealing it.
They sound an alarm if someone tries to pick it up and they cannnot operate it without a code
by Grover
Thu Dec 13, 2018 7:53 pm
Forum: Personal Consumer Issues
Topic: Who else is doing home automation?
Replies: 64
Views: 4323

Re: Who else is doing home automation?

I love home automation I have 1) Nest thermostat 2) Nest smoke/CO alarms 3)Nest Yale lock 4)Ryobi garage openers, can open/close remotely alert me when I leave door left open. And it is super quit. 5) ring security system and camera 6) Kuna front door light fixer with camera and 2 way intercom 7) We...
by Grover
Sun Oct 28, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard thinks I have a wash sale. Do I?
Replies: 42
Views: 5894

Re: Vanguard thinks I have a wash sale. Do I?

MotoTrojan wrote:
Sun Oct 28, 2018 7:30 pm
With multiple lots I think it’s possible to have it flagged as a wash but to have the extra basis added to other shares you also sold, effectively making it as if nothing happened at all. Maybe that’s the case?
I had the same issue, I think this is what most likely happened.
by Grover
Sat Oct 27, 2018 3:10 pm
Forum: Personal Investments
Topic: Help me understand this wash sale
Replies: 19
Views: 954

Re: Help me understand this wash sale

I thought because I am selling the all shares that I bought on 10/10 wouldn’t be a wash. Well, I will have to pay attention to this next time. So you still didn't show the actual adjustments made. The adjustments would be made to the 10/10 purchased shares. Then they would be sold and the disallowe...
by Grover
Sat Oct 27, 2018 2:26 pm
Forum: Personal Investments
Topic: Help me understand this wash sale
Replies: 19
Views: 954

Re: Help me understand this wash sale

On 10/26/18 you sold some shares of VTIAX that were purchased in 2017. Within 30 days of that sale, on 10/10/18, you bought some shares of VTIAX that replaced some or all of the shares sold. That makes the sale a wash sale. Example 4 of the Fairmark post does not apply because the shares you sold w...
by Grover
Sat Oct 27, 2018 1:23 pm
Forum: Personal Investments
Topic: Help me understand this wash sale
Replies: 19
Views: 954

Re: Help me understand this wash sale

Sounds like you sold some but not all of your shares in total international at a loss within 30 days of buying shares in the same fund. That would be a wash sale. The shares you bought are considered replacement shares for the ones you sold. Edit: Or maybe not. See examples 4 and 5 in this Fairmark...
by Grover
Sat Oct 27, 2018 12:50 pm
Forum: Personal Investments
Topic: Help me understand this wash sale
Replies: 19
Views: 954

Re: Help me understand this wash sale

Only the lots that have long term losses are the ones who got the wash sale I don't understand your statement above. I wanted to know which lots got the adjusted basis from the wash sale. In this post, I showed how the adjusted basis is annotated at vanguard.com https://www.bogleheads.org/forum/vie...
by Grover
Sat Oct 27, 2018 12:50 pm
Forum: Personal Investments
Topic: Help me understand this wash sale
Replies: 19
Views: 954

Re: Help me understand this wash sale

UpperNwGuy wrote:
Sat Oct 27, 2018 12:29 pm
If you can’t load the image, can you write a narrative describing the information on the image? The information you’ve provided so far is not sufficient to answer your question.
Image
by Grover
Sat Oct 27, 2018 12:21 pm
Forum: Personal Investments
Topic: Help me understand this wash sale
Replies: 19
Views: 954

Re: Help me understand this wash sale

At least Vanguard will indicate which lot that you still own has created the wash sale. What is the date acquired (bought) of the lot that Vanguard indicates has had an adjustment to basis due to a wash sale? Only the lots that have long term losses are the ones who got the wash sale Sorry not able...
by Grover
Sat Oct 27, 2018 8:51 am
Forum: Personal Investments
Topic: Help me understand this wash sale
Replies: 19
Views: 954

Re: Help me understand this wash sale

livesoft wrote:
Sat Oct 27, 2018 8:20 am
Hard to understand without screen captures of your transactions. Such screen captures are shown in
viewtopic.php?t=179414
I am trying to attach an image not successful. Never done it before
by Grover
Sat Oct 27, 2018 8:25 am
Forum: Personal Investments
Topic: Help me understand this wash sale
Replies: 19
Views: 954

Re: Help me understand this wash sale

PFInterest wrote:
Sat Oct 27, 2018 8:08 am
Grover wrote:
Sat Oct 27, 2018 8:06 am
PFInterest wrote:
Sat Oct 27, 2018 7:52 am
did you re-invest a dividend? or hold those funds in an IRA?
Thanks for replying! No I don’t have these funds anywhere else
did you not sell all the lots?
Didn’t sell all lots only sold the lots with losses including the one I purchased recently
by Grover
Sat Oct 27, 2018 8:06 am
Forum: Personal Investments
Topic: Help me understand this wash sale
Replies: 19
Views: 954

Re: Help me understand this wash sale

PFInterest wrote:
Sat Oct 27, 2018 7:52 am
did you re-invest a dividend? or hold those funds in an IRA?
Thanks for replying! No I don’t have these funds anywhere else
by Grover
Sat Oct 27, 2018 7:05 am
Forum: Personal Investments
Topic: Help me understand this wash sale
Replies: 19
Views: 954

Help me understand this wash sale

Greetings! I harvested some losses 20 days ago from vanguard all world ex-USA fund to total international fund. I didn’t want to wait 30 days to go back because I had significant loss again so I exchanged Vanguard Total international to 80% developed fund and 20% emerging fund. The cost basis now sh...
by Grover
Thu Oct 11, 2018 7:35 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3862

Re: 5 ways target-date funds let investors down

Good point! If it is in tax advantage account may be one should switch to 4 fund profolio that matches the target fund this way you can sell individually during retirement. To me a big negative for target date funds occurs after retirement. I'm retired and drawing down my portfolio while I delay SS ...
by Grover
Thu Oct 11, 2018 1:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 13179
Views: 2235677

Re: U.S. stocks in freefall

Getting ugly
by Grover
Tue Oct 09, 2018 6:33 pm
Forum: Personal Investments
Topic: Another TLH question
Replies: 6
Views: 484

Re: Another TLH question

Good question! I believe long term losses probably can offset short term losses. Because loss is a loss.
by Grover
Tue Oct 09, 2018 5:02 pm
Forum: Personal Investments
Topic: Another TLH question
Replies: 6
Views: 484

Re: Another TLH question

Thank you Livesoft for very informative answer!
by Grover
Tue Oct 09, 2018 1:26 pm
Forum: Personal Investments
Topic: Another TLH question
Replies: 6
Views: 484

Another TLH question

I have some short term capital loss from TLH can I choose to offset my marginal income instead of the long term gain in my stocks?

Thanks! 🙏
by Grover
Fri Jul 20, 2018 7:09 pm
Forum: Personal Consumer Issues
Topic: Looking for recommendations on a cordless electric mower
Replies: 21
Views: 2158

Re: Looking for recommendations on a cordless electric mower

I initially bought the Ryobi then I exchanged it with EGO. EGO is much better, it has a longer battery life, can supercharge in 15 min and better built than Ryobi.
by Grover
Tue Jul 17, 2018 6:43 pm
Forum: Personal Investments
Topic: Rollover to a expensive 401k worth it?
Replies: 15
Views: 768

Re: Rollover to a expensive 401k worth it?

Based on the funds you posted I would put 100% in the S&P500 @ 0.37% ER. I would put bonds in your other 401k or by adjusting the target date fund you have to be more conservative in bonds. In other words calculate your asset allocation % stock and bond for your accounts in total and hold the bonds...
by Grover
Tue Jul 17, 2018 12:49 pm
Forum: Personal Investments
Topic: Rollover to a expensive 401k worth it?
Replies: 15
Views: 768

Re: Rollover to a expensive 401k worth it?

If you're going to do the rollover to the expensive 401k regardless, then I would try to avoid the T Rowe target date funds and buy only the S&P 500 fund. Try to minimize the damage and keep your costs down. I don't trust most non-Vanguard target date funds -- they're usually active funds and not a...
by Grover
Tue Jul 17, 2018 12:43 pm
Forum: Personal Investments
Topic: Rollover to a expensive 401k worth it?
Replies: 15
Views: 768

Re: Rollover to a expensive 401k worth it?

Sorry I meant she has 30k t-IRA I already moved mine
by Grover
Tue Jul 17, 2018 10:25 am
Forum: Personal Investments
Topic: Rollover to a expensive 401k worth it?
Replies: 15
Views: 768

Re: Rollover to a expensive 401k worth it?

We faced exactly this situation. We decided that the ability to do back door Roth IRAs was not worth the cost of putting large sums of money into an expensive 401k. Once you put it in, you can't take it out until you leave the job. So, no, we decided it wasn't worth it. As an alternative, we just f...
by Grover
Tue Jul 17, 2018 10:24 am
Forum: Personal Investments
Topic: Rollover to a expensive 401k worth it?
Replies: 15
Views: 768

Re: Rollover to a expensive 401k worth it?

Greetings! Need some feedback I am rolling over my wife’s simple ira from fidelity with cheap target funds to her new employer 401k for the purpose of doing Roth conversion of existing non deductible t-IRA and future Backdoor Roth. But the new employer has expensive T.Row target funds 1.01% 1)Shoul...
by Grover
Tue Jul 17, 2018 10:19 am
Forum: Personal Investments
Topic: Rollover to a expensive 401k worth it?
Replies: 15
Views: 768

Re: Rollover to a expensive 401k worth it?

How large is the balance in the Simple IRA? If it is not large and you don't want to roll over into a 1.00% ER plan, it may be worth it to convert the entire balance to Roth (and pay the taxes) - that clears out the pre-tax money for future backdoor contributions. I thought about that but we are hi...
by Grover
Tue Jul 17, 2018 8:53 am
Forum: Personal Investments
Topic: Rollover to a expensive 401k worth it?
Replies: 15
Views: 768

Rollover to a expensive 401k worth it?

Greetings! Need some feedback I am rolling over my wife’s simple ira from fidelity with cheap target funds to her new employer 401k for the purpose of doing Roth conversion of existing non deductible t-IRA and future Backdoor Roth. But the new employer has expensive T.Row target funds 1.01% 1)Should...
by Grover
Sun Mar 11, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Playground flooring options
Replies: 3
Views: 411

Re: Playground flooring options

Thank you guys. I will go with grass for now.
by Grover
Sun Mar 11, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Playground flooring options
Replies: 3
Views: 411

Playground flooring options

Hello

I bought a play set for my kids not sure what to do with survive underneath. One option is rubber mulch but it will cost me around 2k. Is that justified expensive? Is it safe to have just grass underneath? I appreciate if you share your experience and ideas. Thanks!
by Grover
Mon Nov 20, 2017 10:47 am
Forum: Personal Finance (Not Investing)
Topic: High deductible health insurance with HSA for family of 5
Replies: 19
Views: 2642

Re: High deductible health insurance with HSA for family of 5

What are the deductibles and out of pocket maximums? I have felt good about switching my family to an hdhp and I have three children as well. I haven't met the deductible for either plan since my 12 year old was born. The employer contribution will count toward your maximum. Good to hear, did the H...
by Grover
Mon Nov 20, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: High deductible health insurance with HSA for family of 5
Replies: 19
Views: 2642

Re: High deductible health insurance with HSA for family of 5

1) Can you post more details about the plans? HDHPs can vary wildly. If the HDHP is, for example, a $2000 individual/$4000 family deductible with $3000/$6000 max out of pocket, that would be one thing. If it's $4000/$8000 with $6500/$13000 out of pocket, that's very different. Also, what are the di...
by Grover
Mon Nov 20, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: High deductible health insurance with HSA for family of 5
Replies: 19
Views: 2642

Re: High deductible health insurance with HSA for family of 5

nolesrule wrote:
Sun Nov 19, 2017 9:59 pm
If your employer contributes $2250 to the HSA, you will only be able to contribute $4650.
Yes this is what I meant to say. Thanks
by Grover
Mon Nov 20, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: High deductible health insurance with HSA for family of 5
Replies: 19
Views: 2642

Re: High deductible health insurance with HSA for family of 5

Thanks guys for taking the time to reply

Deductible in network 1500/3000
Coinsurance 90%
Max out of pocket 3000/6000

Out of network deductible 5000/10000
Coinsurance 60%
Max out of pocket 10k/20k
by Grover
Sun Nov 19, 2017 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: High deductible health insurance with HSA for family of 5
Replies: 19
Views: 2642

High deductible health insurance with HSA for family of 5

My employer offering HSA plan but I am reluctant to go for it. I just need some input from you guys. Here is my situation: 1)Family of five I am 40, wife is 37,kids are 4,4,5 all healthy no more pregnancies. 2)Employer contributes 2250 to HSA 3)The other health insurance option is a comprehension pl...
by Grover
Wed Jan 25, 2017 8:44 pm
Forum: Investing - Theory, News & General
Topic: What if everyone invested like Bogleheads?
Replies: 2
Views: 749

Re: What if everyone invested like Bogleheads?

arcticpineapplecorp. wrote:Similar questions have been asked before. My friend google found these previous posts here:

https://www.google.com/search?sitesearc ... ne+indexed

Read for yourself.

Sorry! I should have searched before asking !
by Grover
Wed Jan 25, 2017 8:24 pm
Forum: Investing - Theory, News & General
Topic: What if everyone invested like Bogleheads?
Replies: 2
Views: 749

What if everyone invested like Bogleheads?

What will happen if everyone invested like Bogleheads? Will the market have less volatility? Will it just go up every year?
by Grover
Wed Jan 25, 2017 8:17 pm
Forum: US Chapters
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 17089

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy birthday Tayler! :sharebeer
by Grover
Sun Jan 08, 2017 5:41 pm
Forum: Personal Investments
Topic: 401k vs Roth 401k
Replies: 11
Views: 1234

Re: 401k vs Roth 401k

1)At what tax rate it would be more beneficial to invest in Roth 401k rather than tax deferred 401k? 2)Should one switch contributions to Roth 401 once tax defferd reaches a certain amount so I can reduce Tax liabilty on distribution in retirement? Thanks everyone! Grover, 1) If you have no idea wh...