Search found 4049 matches

by BL
Thu Aug 27, 2015 12:05 am
Forum: Personal Finance (Not Investing)
Topic: I'm afraid I'll regret this.
Replies: 8
Views: 1370

Re: I'm afraid I'll regret this.

It actually sounds like you could do programming while still at your job, so it is a matter of finding such a job. Take advantage of your college job assistance and whatever else you can find. Some of above suggestions are good. Ask everyone you can think of, search the internet, connect on LinkedIn...
by BL
Wed Aug 26, 2015 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Military TSP v. Roth TSP
Replies: 14
Views: 591

Re: Military TSP v. Roth TSP

You will want to double check, but I believe you can transfer your Roth TSP to a Roth IRA after leaving the service. Then it would follow Roth IRA rules with no RMDs.
by BL
Wed Aug 26, 2015 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Was about to change from 100% equity to 80%. Now what?
Replies: 55
Views: 3176

Re: Was about to change from 100% equity to 80%. Now what?

I assume you are still buying. Just buy bonds for a bit.
by BL
Wed Aug 26, 2015 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Identical fund in two accounts: possible to avoid wash sale rule?
Replies: 12
Views: 764

Re: Identical fund in two accounts: possible to avoid wash sale rule?

Here is another thread which also has no firm conclusion on the 401k status WRT wash sales as the IRS did not specify:
https://www.bogleheads.org/forum/viewtopic.php?f=1&t=172622&newpost=2603157
by BL
Wed Aug 26, 2015 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help me restructure my inherited IRA
Replies: 8
Views: 376

Re: Help me restructure my inherited IRA

You will have to ask Vanguard if everything can be transferred "in kind". You will need to be looking at a list from your broker if they ask you to name them. That way you can decide what/when to sell. Vanguard may have a known cost to sell, except possibly the bonds where you take what yo...
by BL
Wed Aug 26, 2015 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Identical fund in two accounts: possible to avoid wash sale rule?
Replies: 12
Views: 764

Re: Identical fund in two accounts: possible to avoid wash sale rule?

I think I am getting in too deep. Maybe someone else can step in here who knows more about how the 401k and employer contributions to it work with wash sales. I was actually thinking about a Roth IRA instead of the 401k, but I do believe it works in a similar way. As I understand it, it is not illeg...
by BL
Wed Aug 26, 2015 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Identical fund in two accounts: possible to avoid wash sale rule?
Replies: 12
Views: 764

Re: Identical fund in two accounts: possible to avoid wash sale rule?

I would pick the 3 funds you could live with: Total stock market, total international, & total bond (or tax-exempt depending on your tax bracket). There would be no harm keeping them forever, and owning them is not the same as owning the 4-fund Target fund. You only TLH in taxable funds! Just do...
by BL
Wed Aug 26, 2015 11:02 am
Forum: Personal Consumer Issues
Topic: Siblings sharing a room until what age?
Replies: 15
Views: 1516

Re: Siblings sharing a room until what age?

This might be the best time to move the daughter to the guest room and share the room when your mother comes to stay. Could you have twin beds, or perhaps a trundle bed? Maybe some portable divider would be good for a little privacy. This could be a bonding time for them, you never know. All familie...
by BL
Wed Aug 26, 2015 10:17 am
Forum: Investing - Help with Personal Investments
Topic: TLH - offset LT cap gains with ST cap losses
Replies: 3
Views: 287

Re: TLH - offset LT cap gains with ST cap losses

Yes, I was combining/confusing the qualified dividends with LT capital gains. Thanks for clarifying that qualified dividends cannot be offset by capital losses. As such, if I do TLH with the $25k of unrealized ST capital losses, it appears I could offset income by $3k, and carryover the rest. Does ...
by BL
Wed Aug 26, 2015 12:35 am
Forum: Investing - Help with Personal Investments
Topic: Inexperienced investor: Please help with asset allocation/location
Replies: 12
Views: 651

Re: Inexperienced investor: Please help with asset allocation/location

Suggest you read this little online booklet by recommended author, Dr. William Bernstein:
http://www.etf.com/docs/IfYouCan.pdf
by BL
Wed Aug 26, 2015 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Am I saving too much for retirement?
Replies: 45
Views: 4860

Re: Am I saving too much for retirement?

I looked just below the Post Reply box at the end of this topic and there it was: Return to: Help with ...........
The second topic is Laura's form for posting questions.
I have to admit it was the first time I noticed it on this page.
by BL
Wed Aug 26, 2015 12:02 am
Forum: Investing - Help with Personal Investments
Topic: TLH - offset LT cap gains with ST cap losses
Replies: 3
Views: 287

Re: TLH - offset LT cap gains with ST cap losses

Are you calling the qualified dividends capital gains? Even though you pay taxes on them like the CG rates, they are not CGs, and, AFAIK, they cannot be offset by Capital Losses.
by BL
Tue Aug 25, 2015 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting question
Replies: 4
Views: 367

Re: Tax loss harvesting question

It doesn't sound like you have purchased anything within 30 days of now, so I don't see any problem. There shouldn't be a wash if you buy again after 30 days. I would keep replacements at least 60 days for qualified dividend purposes, but I would suggest you look that up or wait for a seasoned TLH p...
by BL
Tue Aug 25, 2015 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Pediatrician's wife seeking asset allocation advice
Replies: 6
Views: 521

Re: Pediatrician's wife seeking asset allocation advice

Welcome! Smart idea to work this out so soon. What loans and what % are they? If higher rate, you will want to attack them as well as invest. Do some reading here in Wiki as well as some books. To get you started, here is one just for young investors: http://www.etf.com/docs/IfYouCan.pdf The Wiki ha...
by BL
Tue Aug 25, 2015 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Advisor?
Replies: 7
Views: 509

Re: Financial Advisor?

Reading suggestions are good. May I suggest an online booklet written just for young investors like you? http://www.etf.com/docs/IfYouCan.pdf Having said that, I might go to Vanguard and invest in a Target date fund (look at bond %) or one of the Life Strategy Moderate or Conservative funds. If you ...
by BL
Tue Aug 25, 2015 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: my retired mother's predicament
Replies: 47
Views: 3845

Re: my retired mother's predicament

I would not count it if it is for that specific purpose. Does she have medical insurance? Would suggest she probably should not be investing this money in that case. Possibly online banks have savings or CDs with better rates such as 1% or 2+% for CDs. She could even put 10k/yr into I-Bonds at treas...
by BL
Tue Aug 25, 2015 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Parents, windfall, and sale of home
Replies: 12
Views: 1310

Re: Parents, windfall, and sale of home

Thanks to everyone for the honest and understandable responses. The attraction of renting the home was simply the size of the income compared to their current fixed income. That said, the comments above bring this attraction into a greater context. I'm so glad I posted this thread. I will continue ...
by BL
Tue Aug 25, 2015 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Should I feel guilty?
Replies: 10
Views: 1370

Re: Should I feel guilty?

Have you asked Vanguard to have your assets transferred? Just do it, get it over with, and don't worry about your broker. They get plenty of money from you and the other suckers clients, and it is all business. Do you think they would feel guilty charging you that high fee? There may be mixed feelin...
by BL
Tue Aug 25, 2015 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Lost with this portfolio
Replies: 17
Views: 1935

Re: Lost with this portfolio

Maybe you could start filling out the form online, and then call when you get to a question you have. That way they can look at the information you have supplied and complete it there or send you the proper papers to fill out and sign. At least they will know you are serious about moving rather than...
by BL
Tue Aug 25, 2015 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: my retired mother's predicament
Replies: 47
Views: 3845

Re: my retired mother's predicament

This paints a little different picture. She started with 30k out of 80k in stock market, now she has 35k out of 80k, so she may still be 5k ahead if I understand correctly. It is important to look at the whole picture (sometimes hard, I know). If you consider both of the above together, she may not ...
by BL
Mon Aug 24, 2015 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Vanguard policy on use of money market fund as temporary holding place
Replies: 11
Views: 999

Re: Question about Vanguard policy on use of money market fund as temporary holding place

I am puzzled because I tell V to withdraw money directly from checking to go into a mutual fund. Haven't used the automatic investment. I did use the MM at one time, but then I learned (or they changed) that I no longer needed that funded but could withdraw directly from bank account or CU account. ...
by BL
Mon Aug 24, 2015 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: All I can afford is to max my roth: an investment plan
Replies: 25
Views: 1705

Re: All I can afford is to max my roth: an investment plan

Are you legally committed to buying the condo? I find it too hasty and risky to do this at this time with your incomes and not being married. Have you considered homeowner's association fees, taxes, other unexpected expenses? What if you get a good job offer farther away? What if the neighbors are t...
by BL
Mon Aug 24, 2015 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: new to the game of DIY
Replies: 10
Views: 553

Re: new to the game of DIY

His: Total % Funds Name (Ticker Symbol) Exp. Ratio ----------------------------------------------------------------------------------------------------- Her retirement: she contributes 3% to roth 401 and 3% to 401 company matches 3% roth 401 + 3%401k Funds 9% Vanguard Total Intl Stock Index I (VTSNX...
by BL
Mon Aug 24, 2015 1:04 am
Forum: Forum Issues and Administration
Topic: Staying logged in
Replies: 6
Views: 641

Re: Staying logged in

I use Chrome and have one computer set to login and one that stays logged in. Both work as expected. Does it think you are on a public computer?
by BL
Mon Aug 24, 2015 12:58 am
Forum: Personal Consumer Issues
Topic: Trip to Denmark/Sweden
Replies: 23
Views: 1973

Re: Trip to Denmark/Sweden

If you plan to use a ferry or other places that change times by the day of the week, be sure to check whether Day One is Monday or Sunday. Don't ask me how I know! Monday is the first day of the week, normally.
http://www.timeanddate.com/calendar/?year=2015&country=18
by BL
Mon Aug 24, 2015 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Request your thoughts about managing our own 3 fund portfolio
Replies: 5
Views: 523

Re: Request your thoughts about managing our own 3 fund portfolio

The only taxable things I see that might have CG are the two GOOG funds/ETFs, but that would be a good thing to clear out as individual stocks are at risk compared to total funds. The $7600 would be put to good use. If you go over, you get into the 25% tax bracket (15% CG rate). Any STCG would be ta...
by BL
Sun Aug 23, 2015 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead seeking advice!
Replies: 20
Views: 1439

Re: New Boglehead seeking advice!

o I can contribute money to my future IRA even if its not technically earned yet? Putting it another way, so if I get the job and stay their throughout the tax year then I can just lump-sum what I was going to earn that tax year to the account before actually earning the money? Is that correct? Yes...
by BL
Sun Aug 23, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: What to do w/450K in cash?
Replies: 32
Views: 3839

Re: What to do w/450K in cash?

For a single fund, you might consider tax-managed balance fund at V. The W's probably are not great taxwise for you.

Near term house money should not be invested.
by BL
Sun Aug 23, 2015 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Transfer old 401k from Prudential into what?
Replies: 10
Views: 628

Re: Transfer old 401k from Prudential into what?

This is what I have invested so far- Prudential 401K (from previous job- 55% LargeCap/23% Midcap/22% SmallCap) = 160,000.00 What ERs + any other fees? Fidelity 401K current job (80% target year fund/20% S&P500) = 10,000.00 What ERs? What low-ER funds available? Fidelity Rollover IRA = 3,000.00 ...
by BL
Sun Aug 23, 2015 9:12 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead seeking advice!
Replies: 20
Views: 1439

Re: New Boglehead seeking advice!

If you don't want to start with $10k, it is fine to buy the investor's shares and they will automatically change to Admiral when get above 10k (or you can manually do it if you get impatient!). There is no tax consequence from this change. You have until next April to buy Roth IRA for this year. Jus...
by BL
Sun Aug 23, 2015 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Gameplan for Investing 1m+
Replies: 35
Views: 4231

Re: Gameplan for Investing 1m+

lifestrategy moderate growth in tax deferred plan Done. No sense in complicating with different 3 fund portfolios, etc In taxable, tax managed balanced Simplicity. I also like the idea of two funds. Might consider LS Conservative, 40% stocks, in inherited IRA and tax managed balanced, 50% stocks, i...
by BL
Fri Aug 21, 2015 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA losing value....should I exchange?
Replies: 36
Views: 2984

Re: Roth IRA losing value....should I exchange?

We looked and threw in $500 to Total Stock Market since it was such a bargain!
Who knows if it will go up or down?
by BL
Fri Aug 21, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Another Edward Jones question
Replies: 11
Views: 1044

Re: Another Edward Jones question

Thanks BL, They do not have authorization to re-invest without our permission. Since I recently retired and have a 403 plan with Fidelity through my workplace I have been getting emails to meet with Fidelity representative about a rollover. I also have trust issues with Fidelity from past dealings ...
by BL
Fri Aug 21, 2015 10:56 am
Forum: Personal Consumer Issues
Topic: Smartphone woes
Replies: 12
Views: 1737

Re: Smartphone woes

I shouldn't have read this because now one is on the way to me! Hopefully I can find my way to use it with Wi-Fi at home to load some music, etc. Also thinking it would be great to use it with Sim card overseas if that might work. I may be back with questions if the link doesn't work. Actually I am...
by BL
Fri Aug 21, 2015 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Another Edward Jones question
Replies: 11
Views: 1044

Re: Another Edward Jones question

I would just "transfer in kind" directly to Vanguard without selling if you are worried about tax consequences. V will let you know if any of them can't be transferred so those will have to be sold. If you don't sell anything, there is no tax consequence. Then take your time to decide when...
by BL
Fri Aug 21, 2015 9:39 am
Forum: Investing - Theory, News & General
Topic: From Betterment to Vanguard
Replies: 18
Views: 2639

Re: From Betterment to Vanguard

I think you should stay put until you have, perhaps, $1100, and then move to a Target Fund at Vanguard. Suggest you use this time for reading the Wiki here, watch the videos, read a recommended book or more. Here is a short on-line book written for new investors by a recommended author, Dr. William ...
by BL
Fri Aug 21, 2015 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Checking Account Transfer to Thrift ROTH
Replies: 2
Views: 210

Re: Checking Account Transfer to Thrift ROTH

Just bump it up and spend that amount from the savings you wanted to put in.
by BL
Fri Aug 21, 2015 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Should I make $77,500 in make-up 401k contributions?
Replies: 11
Views: 2227

Re: Should I make $77,500 in make-up 401k contributions?

Just a comment that you have until next April to make this year's Roth or traditional IRA contributions. So you can do the tax calculations before that date and make the contributions based on what will keep you in the 15% tax bracket.
by BL
Thu Aug 20, 2015 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Life Insurance and Investing Advice for Grandmother to Grandchild
Replies: 6
Views: 474

Re: Life Insurance and Investing Advice for Grandmother to Grandchild

They will probably cash it in for pennies on the dollar when given the policy if there is any cash value. Maybe a gift to minors account for college money could be good, 529, or gift parents to get I-Bonds if parents eligible for education tax-free surrender.
by BL
Thu Aug 20, 2015 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing: Investing with friend
Replies: 56
Views: 2144

Re: New to investing: Investing with friend

Smart move! Now you can take a good look at your 401k and pick out some good low-ER funds.
by BL
Thu Aug 20, 2015 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing: Investing with friend
Replies: 56
Views: 2144

Re: New to investing: Investing with friend

Setting aside for the moment the eye-popping expenses and fees you would face, consider how much more difficult it could be if you later wanted to leave your friend for a less expensive firm or decide to do invest on your own. We see this predicament fairly often on the forum and here is one exampl...
by BL
Thu Aug 20, 2015 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: New To Investing... Need Help!
Replies: 5
Views: 440

Re: New To Investing... Need Help!

Have you seen the White Coat Investor blog and book? lots of good ideas for your situation.
by BL
Thu Aug 20, 2015 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing: Investing with friend
Replies: 56
Views: 2144

Re: New to investing: Investing with friend

I applaud his honesty, because not many spell out the dollar consequences or they avoid them as much as possible. What he didn't say was you can get a low-ER, simple, diversified Roth at a discount broker for so much less cost. You have to out-perform when you have to overcome the cost setbacks of l...
by BL
Thu Aug 20, 2015 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing: Investing with friend
Replies: 56
Views: 2144

Re: New to investing: Investing with friend

I am sure that he means well but you could just as well gift him that money and still be ahead by investing in a place like Vanguard where there is $0 cost to invest and the other thing is you can get all you need with low-expense rate (ER) funds <0.2ER like a single Target Retirement date fund ($1,...
by BL
Thu Aug 20, 2015 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's retirement account
Replies: 31
Views: 1762

Re: Mom's retirement account

I assume she has checked that she is not eligible or would not benefit from ex-spouse or widower's benefits with SS.
by BL
Thu Aug 20, 2015 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Mom's retirement account
Replies: 31
Views: 1762

Re: Mom's retirement account

You need to decide on AA and get a suitable balanced fund (or 3-fund portfolio for slightly cheaper, but slightly more complicated, fund cost.) My current thought it to get her into one of these two retirement income funds. I know suggesting Fidelity as an option is somewhat frowned upon on this si...
by BL
Thu Aug 20, 2015 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Mom's retirement account
Replies: 31
Views: 1762

Re: Mom's retirement account

Based on the above numbers, she is not getting the amount she should get from Vanguard due to advisor cost and higher fees. I would not wish to give that up, but some are willing to if they want someone to hold their hand through this. She probably has one of the better advisors/portfolios that I ha...
by BL
Wed Aug 19, 2015 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Simple investment suggestion for inheritance
Replies: 15
Views: 1247

Re: Simple investment suggestion for inheritance

If he really wants a municipal bond (lower expected yield and he doesn't hneed it with a low tax bracket), I would consider a cheaper better one at V rather than this (with no 3.50 load!). from: https://fundresearch.fidelity.com/mutual-funds/fees-and-prices/352518104 Expenses & Fees More Informa...
by BL
Wed Aug 19, 2015 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Simple investment suggestion for inheritance
Replies: 15
Views: 1247

Re: Simple investment suggestion for inheritance

Besides CDs, or in addition to CDs, I would look at:

Total Bond fund or other bond; 100% bonds
Life Strategy Income; 80% bonds
Target Retirement Income; 70% bonds

Life Strategy Conservative: 60% bonds

A little nudge toward a bit of stock helps with inflation.

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