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Re: Poll - Do you use Quicken?

Windows 7
by BHCadet
Mon Jul 21, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll - Do you use Quicken?
Replies: 66
Views: 3287

Re: Nuts and bolts - In-Service After Tax Rollover to Roth I

I would also ask Vanguard send me envelopes for mailing the checks to them.
Also, would attach a letter to Vanguard telling them where to deposit the check.
by BHCadet
Wed Jul 16, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Nuts and bolts - In-Service After Tax Rollover to Roth IRA
Replies: 16
Views: 973

Re: POLL: Do you have a dedicated REIT allocation?

Including the amounts from Total Stock Market, Total Small Cap Value and Total International, REIT is about 10% of my equity allocation.
by BHCadet
Wed Jul 16, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6972

Re: What after-tax income could you live on today?

At the moment, our after-tax expense is way over 90K because of college expense of our kids.
It will be lower in several years.
by BHCadet
Fri Jul 11, 2014 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 5045

Re: When you retire you plan to?

We're staying at our current house.
However, we may move in the future if our kids moved away after college.
by BHCadet
Mon Jul 07, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: When you retire you plan to?
Replies: 44
Views: 3384

Re: California Intermediate-Term Tax-Exempt Fund

Approximately 10% of our bonds is VCADX in taxable.
The rest of our bonds is in our tax advantage accounts.
by BHCadet
Sun Jul 06, 2014 10:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: California Intermediate-Term Tax-Exempt Fund
Replies: 9
Views: 936

Re: The Millionaire Next Door: Are You One?

Yes…
I recently retired, but my spouse is still working.
We're not business owner, but worked for mega corps, LBYM, and keep on saving and investing.
We have a modest house.
Our two cars are 10 and 15 years old.
by BHCadet
Mon Jun 30, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22395

Re: do you lie about your finances to friends

To me, not sharing personal finance info is not lying.
Just let people generally know you LBYM saving for retirement, college expense, etc, is sufficient.
by BHCadet
Mon Jun 30, 2014 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: do you lie about your finances to friends
Replies: 103
Views: 8958

Re: Who do you talk with about your financial goals?

My spouse.
But, also share some info with our kids.
by BHCadet
Sun Jun 29, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9082

Re: Early retirement gotchas

Got bored...
by BHCadet
Wed Jun 18, 2014 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Early retirement gotchas
Replies: 28
Views: 5387

Re: What Book Are You Currently Reading? Part V

The Complete Book of Running by James Fixx, circa 1977.
by BHCadet
Wed Jun 18, 2014 1:02 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3113
Views: 1009969

Re: I cannot make the jump and retire

I could have retired at 55 two years ago.
But, it took me two years to pull the trigger.
by BHCadet
Fri Jun 13, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: I cannot make the jump and retire
Replies: 73
Views: 8078

Re: Pull-ups and Push-ups

When I first followed this thread in 11/2013, I couldn't do even 1 pull-ups and/or 10 push-ups. But, reading this thread everyday keeps me focus. It wasn't easy. My hands, arms, and shoulders were sore and hurt for too many nights. I can do more now. But, I'm not done yet. It isn't the same as when ...
by BHCadet
Wed May 14, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 39668

Re: Roll Call for the Retirement Class of 2014!

My official last day is May 26th. It was May 23rd. I will continue to receive medical insurance coverage from my company including vision until 65, but no dental. I don't have any major plan yet. But, will take a short trip to Las Vegas or San Diego to take me out of work rhythm. I was inspired by t...
by BHCadet
Tue May 13, 2014 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roll Call for the Retirement Class of 2014!
Replies: 154
Views: 13598

Re: RETIRING May 31! Any advice .....?

I too will retire this month on May 23. Financially, I plan to do the same as you. Rollover my 401k to TIRA, Roth Conversion, etc. I do keep a To Do list of things I want to do after retired. Exercises, places I want to visit, volunteer works I interested to do, etc. I retired just before the end o...
by BHCadet
Wed May 07, 2014 12:42 am
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8613

Re: RETIRING May 31! Any advice .....?

I too will retire this month on May 23.
Financially, I plan to do the same as you. Rollover my 401k to TIRA, Roth Conversion, etc.
I do keep a To Do list of things I want to do after retired.
Exercises, places I want to visit, volunteer works I interested to do, etc.
by BHCadet
Tue May 06, 2014 3:21 am
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8613

Re: Did you tell anyone you paid off your mortgage?

Yes, we did...
But, only if asked.
by BHCadet
Wed Apr 30, 2014 4:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12240

Re: Trouble with Financial Engines Account?

I haven't used financial engines for a long time.
Just checked today from my Vanguard account, the last updated date of my investments including external assets was May 27, 2013.
Such a long time ago...
by BHCadet
Sun Apr 27, 2014 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: Trouble with Financial Engines Account?
Replies: 18
Views: 3832

Re: Determining percentage of reits in portfolio

I struggled with the same question too...
Since Morningstar and Vanguard Portfolio Watch include REIT from all mutual funds when calculating the percentage, in my home spreadsheet for rebalancing, I add about 3% from VTSAX and VSMAX to my REIT allocation. And use the info for helping me to rebalance.
by BHCadet
Sat Apr 26, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Determining percentage of reits in portfolio
Replies: 5
Views: 624

Re: Do I take the separation package offer?

Can you take unemployment benefits too?
by BHCadet
Tue Apr 08, 2014 2:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Do I take the separation package offer?
Replies: 52
Views: 5477

Re: Meeting with Fidelity [Financial Advisor]

We met with Fidelity account executive. He tried to sale managing our investments, but we have nothing to do with it. When we told him we rebalance in our tax deferred accounts only, he was shock to learn about it. But, I did learn from him using Fidelity tools such as Fidelity Retirement Income Pla...
by BHCadet
Fri Feb 28, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meeting with Fidelity [Financial Advisor]
Replies: 42
Views: 5151

Re: Total Int. Stock % allocation?

I have 30% in Total Intl. in my equity portion of the allocation too.
by BHCadet
Mon Feb 17, 2014 1:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Int. Stock % allocation?
Replies: 46
Views: 3108

Re: Safe Withdrawal Rate

I voted for the 3.3% withdrawal rate. But, in reality, I will have several withdrawal rates. At the beginning, for the years before age 65 and pension distribution, the withdrawal rate will be higher. When pension starts at 65, the withdrawal rate will go down to 2.5%. When SS starts at 70, the with...
by BHCadet
Mon Feb 17, 2014 1:18 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rate
Replies: 91
Views: 6033

Re: Do you balance your checking account?

I balance my checking account using Quicken. As soon as I write a check, post a future payments to my credit cards or post future transfers between my savings and checking accounts, I update Quicken immediately with the future dates. So, I can adequately forecast my future balance. Of course, for im...
by BHCadet
Sun Feb 16, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 5170

Re: Bogleheads and Fast Food

Veggie Grill and Chipotle.
by BHCadet
Mon Feb 10, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads and Fast Food
Replies: 77
Views: 4780

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday!!! Taylor...
by BHCadet
Thu Jan 23, 2014 2:01 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 22114

Re: Who Invests 100% in Passive Index Funds/ETFs

98%...
2% in VCADX - Vanguard California Intermediate-Term Tax-Exempt Fund Admiral Shares.
by BHCadet
Fri Jan 17, 2014 1:55 am
 
Forum: Investing - Theory, News & General
Topic: Who Invests 100% in Passive Index Funds/ETFs
Replies: 79
Views: 5791

Re: Poll: Early retirement investment vehicles

I selected the last one (traditional, taxable, and pension).
Since you didn’t specify, I assume traditional means both IRA and 401K.
by BHCadet
Fri Jan 17, 2014 1:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Early retirement investment vehicles
Replies: 44
Views: 3150

Re: Did you reinvest your distribution cash yet?

Not Yet...
The cash will be reinvested before the end of the month.
by BHCadet
Thu Jan 16, 2014 3:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Did you reinvest your distribution cash yet?
Replies: 34
Views: 2106

Re: Pay check in retirement from funds

I will retire this year.
In my taxable account, all the dividends and capital gains distributions will go to the money market account for withdrawal.
And withdraw rest of the amounts needed for the rest of the year from my taxable account during rebalancing.
by BHCadet
Sun Jan 12, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Pay check in retirement from funds
Replies: 21
Views: 1569

Re: Tax returns - keep for 7 years? Longer?

I would say forever.
But, I missed couple years from my old state when I moved when I was in my 20's...
by BHCadet
Sun Jan 12, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax returns - keep for 7 years? Longer?
Replies: 33
Views: 3218

Re: High Earners - What's Your Profession?

I'm in IT. DW is a software engineer.
by BHCadet
Sun Jan 12, 2014 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28319

Re: when you reach"your number"

I voted other... I've reached my target and retirement age to receive full retirement benefits from my employer. But, not SS yet. I'm still working waiting for my wife when she can receive full retirement benefits from her employer. We also continue with our savings rate to have more cushions. EDIT:...
by BHCadet
Thu Jan 09, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: when you reach"your number"
Replies: 84
Views: 9065

Re: In this case would you be done? Have you won?

Since you're still working, I would still contribute the amount to the 401k that will receive matching if there is any.
by BHCadet
Wed Jan 08, 2014 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: In this case would you be done? Have you won?
Replies: 60
Views: 3774

Re: Do you invest in a taxable account?

Yes, but no new money to the taxable account this year (2013) because any money left is going to my kid's college expense.
She is a freshmen.
by BHCadet
Mon Jan 06, 2014 12:40 am
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7483

Re: College savings for a high-income household

Tax bracket: 33%, approaching 35% Mortgage: 240k @ 4.37%, prefer to keep for tax deductions Maxing out 401k. Contributing ~31k to Roth IRA anually (5.5k via IRA backdoor, and ~25.5k via 401k after tax) Rest goes into taxable At your income level, you have to pay Alternative Minimum Tax (AMT), keepi...
by BHCadet
Thu Jan 02, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: College savings for a high-income household
Replies: 46
Views: 4658

Re: College savings for a high-income household

Tax bracket: 33%, approaching 35% Mortgage: 240k @ 4.37%, prefer to keep for tax deductions Maxing out 401k. Contributing ~31k to Roth IRA anually (5.5k via IRA backdoor, and ~25.5k via 401k after tax) Rest goes into taxable At your income level, you have to pay Alternative Minimum Tax (AMT), keepi...
by BHCadet
Thu Jan 02, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: College savings for a high-income household
Replies: 46
Views: 4658

Re: What was your 2013 return?

15.49% on a 65 equities/35 bonds and cash portfolio.
With international as 30% of equities.
by BHCadet
Wed Jan 01, 2014 6:56 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 9216

Re: Bogleheads 2014 Hedge fund contest

New Deal Hedgefund:
Long:
ANV - Allied Nevada Gold Corp
TZOO - Travelzoo Inc

Short:
LCI - Lannett Co Inc
GTN - Gray Television
by BHCadet
Fri Dec 27, 2013 8:02 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 153
Views: 12358

Re: What Was Your Best Portfolio move in 2013

Our best move was we didn't have to make any major move at all. No selling and buying except for the followings: 1. On our tax deferred accounts, automatically reinvested the dividends and cap gains to the same funds. 2. New contributions on the tax deferred accounts go to the lowest performance fun...
by BHCadet
Wed Dec 25, 2013 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7594

Re: Setting up 5/25 in spreadsheet

The followings are my guidelines calculating the bands. Asset allocation of 25% or above, rebalance using the 5% absolute Band. Asset allocation below 25%, rebalance using the 20% relative Band. Example of my Excel formulas for calculating the amounts for 30% international within the 70% equity is: ...
by BHCadet
Tue Dec 24, 2013 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Setting up 5/25 in spreadsheet
Replies: 5
Views: 561

Re: Financial 'Regrets' for 2013

There will be no immediate taxes because I can rollover the lump sum to a IRA.
by BHCadet
Mon Dec 23, 2013 12:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial 'Regrets' for 2013
Replies: 60
Views: 4731

Re: Financial 'Regrets' for 2013

I qualify for my pension already and could have retired this year instead of next year in June. As of now, my pension lump sum payout will be reduced next year due to interest rate change. (When interest rate goes up, pension lump sum payment decrease; when interest rate goes down, pension lump sum ...
by BHCadet
Mon Dec 23, 2013 12:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Financial 'Regrets' for 2013
Replies: 60
Views: 4731

Re: Dave says $300 a month can grow to $3M

What happen if the $300 a month contribution increases with inflation overtime?
I think the chance of reaching 3 millions or higher would be dramatically increased.
by BHCadet
Sat Dec 07, 2013 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Dave says $300 a month can grow to $3M
Replies: 76
Views: 8222

Re: Is it possible to have 2 T-IRA accounts

I used to have two IRA accounts at Vanguard. But, I've consolidated them recently as the need to monitor them separately is gone. To consolidate the accounts, I just called Vanguard to move the assets. However, they empty account is still there and I've to customize my view so it wouldn't clutter th...
by BHCadet
Sun Dec 01, 2013 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it possible to have 2 T-IRA accounts
Replies: 17
Views: 922

Re: Success Stories of Bogleheads

My wife and I are still working. In addition to regular withholding, I always have additional withholding from my bi-weekly paycheck. Even with the additional withholding, we still owed IRS and state taxes during tax filing. With tax efficient placement of assets and tax lost harvest I learnt from h...
by BHCadet
Sun Dec 01, 2013 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Success Stories of Bogleheads
Replies: 62
Views: 6424

Re: Poll: House value as % of assets when mortgage paid off.

I understand some of you don’t count your house as part of your assets, me included.
But for estate planning, it has to be included as part of the inheritance and plan accordingly.
by BHCadet
Sat Nov 23, 2013 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: House value as % of assets when mortgage paid off.
Replies: 41
Views: 3051

Re: Equal Location or Asset Location?

Asset location...
I use Quicken and Excel to group the investments helping me look at the big picture.
If I have to sell to rebalance, I did it mostly in the tax advantage accounts.
Unless I've TLH, then I did it in my taxable account.
by BHCadet
Sat Nov 23, 2013 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Equal Location or Asset Location?
Replies: 42
Views: 1837
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