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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: 49
Views: 3992

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: 3795

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: 2984

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: 5717

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: 4881

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: 4442

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: 12472

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: 5379

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: 2912

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: 2078

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: 1434

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: 3189

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: 334
Views: 22740

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: 8905

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: 3687

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: 7189

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: 4451

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: 4451

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: 8509

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: 125
Views: 8046

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: 7016

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: 550

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: 4572

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: 4572

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: 8031

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: 906

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: 6389

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: 2846

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: 1749

Re: How does Football,Baseball work???

I missed the other post with the link.
by BHCadet
Thu Nov 21, 2013 6:29 pm
 
Forum: Personal Consumer Issues
Topic: How does Football,Baseball work???
Replies: 120
Views: 5354

Re: How does Football,Baseball work???

Need to find the video from George Carlin explaining the difference between football and baseball...

EDIT: here is the link -

http://www.youtube.com/watch?v=qmXacL0Uny0
by BHCadet
Thu Nov 21, 2013 6:24 pm
 
Forum: Personal Consumer Issues
Topic: How does Football,Baseball work???
Replies: 120
Views: 5354

Re: Pull-ups and Push-ups

I've been following this thread since the beginning.
It has inspired me to start doing pull-ups too.
I was just doing stretches, push-ups, and planks after running.
It felt good...
by BHCadet
Fri Nov 15, 2013 11:57 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 260
Views: 23832

Re: Quicken and Vanguard - Download Problem

I gave up... Instead of trying to fix it and getting frustrated, I restored from the last saved good copy of Quicken from about two weeks ago. Afterward, I downloaded the transactions from my credit cards, banks, 401k, Fidelity, and Vanguard again. It didn't take long to get all my records up-to-dat...
by BHCadet
Wed Oct 16, 2013 2:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 15327

Re: Individual Stocks - Do you own any?

I've been clean for four or five years now.
Hope to stay that way.
by BHCadet
Wed Sep 04, 2013 1:14 am
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks - Do you own any?
Replies: 97
Views: 6506

Re: Potential liability from adult children?

As soon as my kids got their driver's licenses, their names were added to our auto insurance policy.
However, after they graduated from high school and away for college, we told AAA to take their names off.
And added them back when they're home from winter and summer breaks.
by BHCadet
Wed Sep 04, 2013 1:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Potential liability from adult children?
Replies: 22
Views: 4039

Re: NOT saving for college

It all depends on the income and wealth.
After certain level, maybe with 250k annual salary and three millions and up in savings, the money doesn't have to be divided into buckets anymore.
Sometime, college can be paid for with cash on hand.
by BHCadet
Tue Sep 03, 2013 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: NOT saving for college
Replies: 112
Views: 7739

Re: How many big moves have you made in your lifetime?

Three!!!
...Moved to NY with my parents.
...Left for college.
...Moved to California for jobs.
It will be more to come after I retired.
by BHCadet
Tue Sep 03, 2013 6:59 pm
 
Forum: Personal Consumer Issues
Topic: How many big moves have you made in your lifetime?
Replies: 76
Views: 5360

Re: Why do you work?

You're right.
There is no need.
I've a date for my retirement already.
by BHCadet
Tue Sep 03, 2013 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Why do you work?
Replies: 73
Views: 5971

Re: Anyone regret saving too much and not spending when youn

There is no regret.
However, in hind sight, I would have done it differently…
Like buying a house in an excellent school district at the beginning.
Travel even more (not just 1 or 2 times a year).
by BHCadet
Tue Sep 03, 2013 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret saving too much and not spending when younger?
Replies: 78
Views: 8399

Re: Poll: Have you recently changed your bond duration?

No, there is no change to my investment option and bi-weekly 401k contribution from payroll.
by BHCadet
Tue Sep 03, 2013 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Poll: Have you recently changed your bond duration?
Replies: 77
Views: 7874

Re: What Personal Finance Magazines do you read?

I don't read many personal finance magazines.
If I do, it would be Money, Forbes, Kiplinger, WSJ, found in the library.
by BHCadet
Tue Sep 03, 2013 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Personal Finance Magazines do you read?
Replies: 60
Views: 3857

Re: Retirement: How do you gauge whether you are on track?

I tested all the calculators I can found:
Financial Engines
Quicken
Fidelity Retirement Income Planner
Vanguard Financial Plan
FireCalc, etc.
With the success rate of 100% from all of them, I know I'm on track and can be retired today.
by BHCadet
Tue Sep 03, 2013 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement: How do you gauge whether you are on track?
Replies: 27
Views: 2819

Re: Eggs in one basket, revisited

We're still working. So, we have multiple accounts.
After we're retired, we probably will have two (Fidelity and Vanguard).
by BHCadet
Tue Sep 03, 2013 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eggs in one basket, revisited
Replies: 10
Views: 1682

Re: What exactly does "max out the 401k" mean?

Since my company allows after tax contribution, the maximum for me would be the 25% of my
salary as allowed by my 401k plan plus the catch up for people 50 or over.
by BHCadet
Mon Aug 12, 2013 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: What exactly does "max out the 401k" mean?
Replies: 26
Views: 3446

Re: 'Accidentally' ended up with a 401K

When the time comes, roll your 401k to a traditional IRA Why would you suggest an IRA rather than a Roth? A traditional 401k cannot be directly rolled to a Roth IRA. So, this is a two steps process - roll the 401k to a TIRA, then backdoor it to ROTH IRA immediately. The ultimate goal is ROTH IRA.
by BHCadet
Mon Aug 12, 2013 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 'Accidentally' ended up with a 401K
Replies: 24
Views: 1482

Re: Friend likes stock-picking. How to change his mind?

He has to read the books, understand the academic researches, and able to see the lightbulb himself.
Trying to convince him is futile.
by BHCadet
Mon Aug 12, 2013 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: Friend likes stock-picking. How to change his mind?
Replies: 33
Views: 1887

Re: 'Accidentally' ended up with a 401K

Find out is your company matching your 401k contribution.
If they do, contribute at least to the matching percent.
The rest of the savings can go to a ROTH IRA.
After you leave the company, roll your 401k to an ROTH IRA immediately to take advantage of your current low tax bracket.
by BHCadet
Mon Aug 12, 2013 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 'Accidentally' ended up with a 401K
Replies: 24
Views: 1482

Re: How do you order your steak?

Never... Vegetarian here.
by BHCadet
Mon Aug 12, 2013 3:20 pm
 
Forum: Personal Consumer Issues
Topic: How do you order your steak?
Replies: 76
Views: 3544

Re: Who manages your finances? Him/Her/Both?

I manage all the finances... Investments, bills, and banking.
But, my wife manages our health.
by BHCadet
Sun Aug 11, 2013 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who manages your finances? Him/Her/Both?
Replies: 58
Views: 2745
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