Search found 483 matches

by Gamma Ray
Wed Feb 04, 2015 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: Citibank Double Rewards %1+%1 Credit Card
Replies: 33
Views: 15341

Citibank Double Rewards %1+%1 Credit Card

Has anyone signed up and started using Citi Double Rewards card? https://www.citi.com/credit-cards/credit-card-details/detail.do?ID=citi-double-cash-credit-card&category=savings-and-cash-back-credit-cards&afc=152 I am currently on Chase Freedom with %1 and with rolling %5 categories with cap...
by Gamma Ray
Wed Feb 04, 2015 5:59 pm
Forum: Personal Investments
Topic: Porftolio/Investment Question - Getting ready to begin
Replies: 52
Views: 6738

Re: Porftolio/Investment Question - Getting ready to begin

You cannot make a 2014 IRA contribution if the IRA was not open in 2014. EDIT : please see "rothira.com/roth-ira-rules". "Assuming your IRA was opened by December 31, 2014, you have until the tax filing deadline - April15, 2015 - to make a 2014 contribution." So does this mean I...
by Gamma Ray
Wed Feb 04, 2015 1:04 am
Forum: Personal Investments
Topic: Simple IRA + ROTH + Mutual Funds, is it too much?
Replies: 20
Views: 2447

Re: Simple IRA + ROTH + Mutual Funds, is it too much?

If you answer the questions and don't ramble on for several paragraphs about things that are not asked, you won't overwhelm anyone. Do include info about things that matter - like having a reserve for your rental or whatever. Thanks, you may have seen, I started that thread here: https://www.bogleh...
by Gamma Ray
Wed Feb 04, 2015 12:41 am
Forum: Personal Investments
Topic: Fidelity or Vanguard
Replies: 31
Views: 4267

Re: Fidelity or Vanguard

Fidelity has far more content, and better help with longer hours. Vanguard has offered very competitive investment products, and year by year Fidelity is approaching Vanguard's low cost options, not only with Spartan, but with comission-free ishares. Both are fine IMO. What does longer hours mean? ...
by Gamma Ray
Wed Feb 04, 2015 12:40 am
Forum: Personal Investments
Topic: Funding ROTH for last year and this year, advisable?
Replies: 25
Views: 2627

Re: Funding ROTH for last year and this year, advisable?

Thanks, there is a lot of good info in that PDF.
by Gamma Ray
Tue Feb 03, 2015 5:33 pm
Forum: Personal Investments
Topic: Funding ROTH for last year and this year, advisable?
Replies: 25
Views: 2627

Re: Funding ROTH for last year and this year, advisable?

Tax software needs to know if you made IRA contributions for any given tax year because your tax situation can affect whether: 1) Your Roth IRA contributions are allowed. If you made too much money and contributed to Roth IRA, you have an excess contribution to Roth IRA and an excess contribution p...
by Gamma Ray
Tue Feb 03, 2015 5:25 pm
Forum: Personal Investments
Topic: Fidelity or Vanguard
Replies: 31
Views: 4267

Re: Fidelity or Vanguard

Agree. I have both and find them equally as good. Vanguard chose low cost to expand their business and Fidelity chose low cost to expand their business. Not quite. Vanguard was always low cost with costs being reduced as Vanguard grew. Fidelity was originally high cost, and still is. They just adde...
by Gamma Ray
Tue Feb 03, 2015 5:10 pm
Forum: Personal Investments
Topic: Funding ROTH for last year and this year, advisable?
Replies: 25
Views: 2627

Re: Funding ROTH for last year and this year, advisable?

But why does it ask since this is not a taxable, nor tax deductible contribution and it is the fund company's responsibility to report & monitor it, right? How could they report it if they didn't know what year it is for? I am sorry, with multiple quotes, it wasn't clear what I was responding t...
by Gamma Ray
Tue Feb 03, 2015 4:48 pm
Forum: Personal Investments
Topic: Funding ROTH for last year and this year, advisable?
Replies: 25
Views: 2627

Re: Funding ROTH for last year and this year, advisable?

It does not matter if you contribute before or after you file taxes. Does anyone know why certain tax software asks you if you made a contribution to a Roth IRA in the year 2014? Using the H&R Block software, I got to the question that said "Did you make any contributions to a Roth IRA in ...
by Gamma Ray
Tue Feb 03, 2015 3:35 pm
Forum: Personal Investments
Topic: Fidelity or Vanguard
Replies: 31
Views: 4267

Re: Fidelity or Vanguard

With my short research, I found vanguard to be more simplified and fidelity to be more complicated (not necessarily a bad thing) Fidelity website looks fresh compared to vanguard, though, but I've never seen their control panels, if it's important to you maybe you should also get some feedback on ho...
by Gamma Ray
Tue Feb 03, 2015 1:23 pm
Forum: Personal Investments
Topic: Funding ROTH for last year and this year, advisable?
Replies: 25
Views: 2627

Re: Funding ROTH for last year and this year, advisable?

Thanks for all the replies. I am going to be setting this up very soon. Does it matter if I do it before or after I file my taxes, since roth IRA doesn't impact taxable income, I figured it's reported directly by the fund company. It does not matter if you contribute before or after you file taxes....
by Gamma Ray
Tue Feb 03, 2015 1:18 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable cord using media center
Replies: 27
Views: 4824

Re: Cutting the cable cord using media center

In all likelihood, you inadvertently bought a card that supports hardware decoding. Your advice, without specifying what feature set to look for in a GPU, is good way to cause others to spend money needlessly. I corrected your error of omission to prevent people throwing parts at problems which are...
by Gamma Ray
Tue Feb 03, 2015 1:02 pm
Forum: Personal Investments
Topic: Funding ROTH for last year and this year, advisable?
Replies: 25
Views: 2627

Re: Funding ROTH for last year and this year, advisable?

Thanks for all the replies.
I am going to be setting this up very soon. Does it matter if I do it before or after I file my taxes, since roth IRA doesn't impact taxable income, I figured it's reported directly by the fund company.
by Gamma Ray
Tue Feb 03, 2015 12:42 pm
Forum: Personal Investments
Topic: Porftolio/Investment Question - Getting ready to begin
Replies: 52
Views: 6738

Re: Porftolio/Investment Question - Getting ready to begin

Are you allowed to select a different account custodian in the SIMPLE IRA? No, I was told it's very complicated to separate one person out of the group and have a different company. Do you have Roth IRAs that were open in 2014?? I am planning open within next two week, if I can finally decide betwe...
by Gamma Ray
Tue Feb 03, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable cord using media center
Replies: 27
Views: 4824

Re: Cutting the cable cord using media center

Anything that you see on your monitor/screen has to do with graphics card/processor. Most budget PCs that you get today will require PSU (power source unit) and Graphics Card update in order to be able to playback HD video such as BluRay players. There is a 1GB Graphics Card for $20 and there is an...
by Gamma Ray
Tue Feb 03, 2015 10:50 am
Forum: Personal Consumer Issues
Topic: Cutting the cable cord using media center
Replies: 27
Views: 4824

Re: Cutting the cable cord using media center

Hi my name is Gamma Ray, 3 year cable-sober here. Hello everyone. :D My first solution was to use OTA. Then I bought HDHomeRun Dual and used it with my PC with Windows Media Center. Eventually I realized I could find all I need online and did not have to keep scheduling things so I dropped HDHomeRu...
by Gamma Ray
Tue Feb 03, 2015 1:33 am
Forum: Personal Investments
Topic: Porftolio/Investment Question - Getting ready to begin
Replies: 52
Views: 6738

Porftolio/Investment Question - Getting ready to begin

Hi, first of all I'd like to thank retiredjg, saltycaper, mhalley for their patience and support in other threads and Laura for the main format post. Emergency funds: I don't have this set aside, yet, since pretty much everything is liquid now. Debt: $537k to 2042, 3.875%, Paying $3350/mo. and $40k ...
by Gamma Ray
Mon Feb 02, 2015 9:04 pm
Forum: Personal Investments
Topic: Simple IRA + ROTH + Mutual Funds, is it too much?
Replies: 20
Views: 2447

Re: Simple IRA + ROTH + Mutual Funds, is it too much?

You will learn a great deal by doing the exercise of just gathering the information together. That's what I am doing now, in fact I have my little excel file with my checks & balances on one side and all these notes about possible funds, tips, etc that I grab from each thread on the other side....
by Gamma Ray
Mon Feb 02, 2015 5:21 pm
Forum: Personal Investments
Topic: Age targeted fund packages, are they recommended? (about me)
Replies: 30
Views: 4303

Re: Age targeted fund packages, are they recommended? (about

Vanguard also offers Life Strategy funds with similar composition but without automatically changing more conservative as you approach retirement. LS Aggressive (80/20), LS Moderate 60/40, LS Conservative 40/60, and LS Income 20/80. Just pick the stock/bond ratio you choose to have. Does Life Strat...
by Gamma Ray
Mon Feb 02, 2015 5:14 pm
Forum: Personal Investments
Topic: Simple IRA + ROTH + Mutual Funds, is it too much?
Replies: 20
Views: 2447

Re: Simple IRA + ROTH + Mutual Funds, is it too much?

Yes, I have a spouse, she is stay at home mom taking care of my 4 year old. She doesn't have any accounts, I think about starting a ROTH for her too at a minimum. I also started (resumed) paying for her Social Security which we realized we totally forgot ever since she got pregnant 5 yrs ago. OP, C...
by Gamma Ray
Mon Feb 02, 2015 5:08 pm
Forum: Personal Investments
Topic: Age targeted fund packages, are they recommended? (about me)
Replies: 30
Views: 4303

Re: Age targeted fund packages, are they recommended? (about

Just in case the OP doesn't realize, the TR funds are designed as "set it and forget it" ie, you invest in the funds and they will go on their glide path. You invest in the same fund your entire life, never changing it, even after you retire, and supposedly it will maintain the proper ass...
by Gamma Ray
Mon Feb 02, 2015 5:05 pm
Forum: Personal Investments
Topic: Age targeted fund packages, are they recommended? (about me)
Replies: 30
Views: 4303

Re: Age targeted fund packages, are they recommended? (about

I see, then Vanguard offers only index target funds, but doesn't call it index, while fidelity offers both index and non-index based target funds. Is Fidelity trying to get people who don't check the composition and assume it is same as what Vanguard does by not promoting target index funds? I see w...
by Gamma Ray
Mon Feb 02, 2015 4:43 pm
Forum: Personal Investments
Topic: Simple IRA + ROTH + Mutual Funds, is it too much?
Replies: 20
Views: 2447

Re: Simple IRA + ROTH + Mutual Funds, is it too much?

Thanks Saltycaper, you know exactly how I was feeling because I fee like I am jumping into this after saving all my money all these years and sort of feeling bad now that I didn't do this years ago so I want to get a head start or try to recover as much as possible. I heard about all these things bu...
by Gamma Ray
Mon Feb 02, 2015 1:55 pm
Forum: Personal Investments
Topic: Simple IRA + ROTH + Mutual Funds, is it too much?
Replies: 20
Views: 2447

Re: Simple IRA + ROTH + Mutual Funds, is it too much?

Thanks, I am still getting used to the terminology so I may not have used the right words when I described the taxable account. With the last sentence, I wanted to share the income situation and how much of it is going to to investments, to sort of help you understand and get feedback if it is in fa...
by Gamma Ray
Mon Feb 02, 2015 1:34 pm
Forum: Personal Investments
Topic: Simple IRA + ROTH + Mutual Funds, is it too much?
Replies: 20
Views: 2447

Simple IRA + ROTH + Mutual Funds, is it too much?

Hi, Is it recommended to continue making full contribution to both ROTH and SIMPLE IRA at the same time, or cut back from one and invest in a taxable investment instead? I am just getting ready to start my ROTH this year, and SIMPLE was established about 4 yrs ago. I know Simple IRA is pre-tax contr...
by Gamma Ray
Mon Feb 02, 2015 1:20 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable cord using media center
Replies: 27
Views: 4824

Re: Cutting the cable cord using media center

Anything that you see on your monitor/screen has to do with graphics card/processor. Most budget PCs that you get today will require PSU (power source unit) and Graphics Card update in order to be able to playback HD video such as BluRay players. There is a 1GB Graphics Card for $20 and there is ano...
by Gamma Ray
Mon Feb 02, 2015 1:19 pm
Forum: Personal Investments
Topic: Funding ROTH for last year and this year, advisable?
Replies: 25
Views: 2627

Re: Funding ROTH for last year and this year, advisable?

Thank you very much for all the replies, I will definitely do that.
In case we (or the company) makes a mistake and the funds get applied to 2015, can we still deposit more funds and make sure those funds apply to previous year?
by Gamma Ray
Mon Feb 02, 2015 1:10 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable cord using media center
Replies: 27
Views: 4824

Re: Cutting the cable cord using media center

Can you comment on how fast the processor in your computer must be to be able to use it as a DVR? For me, I had a very old Pentium Dual Core processor (not a core 2 duo) It is a Vostro 200 with Intel 5200 or something like that. I was able to record two HD (1080p) streams off HDHR and watch 3rd one...
by Gamma Ray
Mon Feb 02, 2015 2:15 am
Forum: Personal Investments
Topic: Funding ROTH for last year and this year, advisable?
Replies: 25
Views: 2627

Funding ROTH for last year and this year, advisable?

Hi everyone, I don't know if it is a mistake to put $5k for 2014 right away and do another $5k by end of 2015, do a lot of people do that on their 1st years to sort of catch up or is it advised against? I just want to put the funds while I have the money and then stick to $5k/yr from that point on, ...
by Gamma Ray
Mon Feb 02, 2015 2:11 am
Forum: Personal Investments
Topic: Age targeted fund packages, are they recommended? (about me)
Replies: 30
Views: 4303

Re: Age targeted fund packages, are they recommended? (about

EDIT: I just saw you added a bit more info to your post above, so please disregard below until I read it, I may have asked or mentioned something that you went over.
Update below.
by Gamma Ray
Mon Feb 02, 2015 1:26 am
Forum: Personal Investments
Topic: Age targeted fund packages, are they recommended? (about me)
Replies: 30
Views: 4303

Re: Age targeted fund packages, are they recommended? (about

A target retirement fund is fine, with one caveat: each mutual fund company has a different way of doing it. The asset allocation, choice of funds, er are all different. For example, if you look at the freedom funds, they have a high er and a hodgepodge of funds within. BUT, fidelity also has a lin...
by Gamma Ray
Sun Feb 01, 2015 8:36 pm
Forum: Personal Investments
Topic: Age targeted fund packages, are they recommended? (about me)
Replies: 30
Views: 4303

Age targeted fund packages, are they recommended? (about me)

On paper they look great, and honestly I just recently started looking into investment (I have just been sitting on over $150k cash that's my family savings including emergency, separate account for son's future education [he is 4 now] and several accounts that I opened for taxes, job income, etc..)...
by Gamma Ray
Sun Feb 01, 2015 8:22 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable cord using media center
Replies: 27
Views: 4824

Re: Cutting the cable cord using media center

Hi my name is Gamma Ray, 3 year cable-sober here. Hello everyone. :D My first solution was to use OTA. Then I bought HDHomeRun Dual and used it with my PC with Windows Media Center. Eventually I realized I could find all I need online and did not have to keep scheduling things so I dropped HDHomeRun...