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Re: Using Credit Card to Invest

This thread is good evidence the stock market bubble is about to burst. I'm selling everything on Monday.
by HonoluluGator
Wed Nov 27, 2013 7:25 pm
 
Forum: Investing - Theory, News & General
Topic: Using Credit Card to Invest
Replies: 32
Views: 2602

Re: Dollar Cost Averaging vs. Lump Sum

Her's how I look at it. If I have $10,000 to invest, I invest it. If I have $1000 a month for 10 months, I do that and feel good that I am dollar cost averaging! Dollar cost averaging is a great way to ensure you are not market timing, but I don't think it is meant as an excuse to keep money out of ...
by HonoluluGator
Thu Sep 26, 2013 6:47 am
 
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging vs. Lump Sum
Replies: 31
Views: 3282

Re: Bond reassurance.... Anyone?

Thank you everyone. Stay the course. I get it, just needed reassurance. Time to buy more bonds and VNQ to rebalance my assets.

Thank you.
by HonoluluGator
Tue Jun 25, 2013 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond reassurance.... Anyone?
Replies: 23
Views: 2224

Bond reassurance.... Anyone?

I have always thought of bonds as a secure, safe investment, used primarily to soften the blow of stock market crashes. I don't need to make much on them, and since I don't expect much reward, I certainly don't want much risk. I have 20 years until retirement and my primary bond holdings are Vanguar...
by HonoluluGator
Mon Jun 24, 2013 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond reassurance.... Anyone?
Replies: 23
Views: 2224

Solo 401k question

I receive a royalty check every year for a few hundred dollars and pay self-employment tax on it. I have a 6 figure job in which I max my personal contribution to 401k every year and get company match as well as profit sharing. My total contribution this year was around $42k, will be maxed this year...
by HonoluluGator
Wed Feb 06, 2013 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k question
Replies: 3
Views: 307

Re: After tax 401k contribution questions

So if I am able to a tIRA "rollover" into my 401k (which is a combo or pretax and after tax dollars) provided the plan rules allow, is it possible to only rollover the "after tax" money directly into a Roth, followed by rolling the rest back out into a traditional? Sounds too go...
by HonoluluGator
Wed Jan 30, 2013 9:30 am
 
Forum: Investing - Help with Personal Investments
Topic: After tax 401k contribution questions
Replies: 15
Views: 901

Re: Non Deductible Traditional IRA vs Roth IRA

If you already have a basis in your TIRA as documented on Form 8606, there are only 3 ways to eliminate it: 1) With RMDs and other distributions over your entire remaining lifetime that drains the accounts while you are still alive 2) Converting the entire balance and paying taxes pro rate to elimi...
by HonoluluGator
Wed Jan 30, 2013 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Non Deductible Traditional IRA vs Roth IRA
Replies: 14
Views: 1616

Re: Pay Debt vs Invest. I invested. Right Choice?

Is it possible to do student loan consolidation? I did mine years ago, when interest rates were much higher than today, and got a much lower rate than you have, but not sure if these consolidations are still available. I made the mistake years ago at figuring I can get a better return on investing t...
by HonoluluGator
Tue Jan 29, 2013 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Pay Debt vs Invest. I invested. Right Choice?
Replies: 19
Views: 1503

Re: After tax 401k contribution questions

3. If my plan allows it, and I do take in in-service distribution of my after tax money into a Roth IRA, will I have to pay taxes on a proportional basis since I have a tIRA (similar to if I did a back door Roth with 2012 tIRA dollars)? Not if the money goes directly from 401k to Roth IRA. Yes, if ...
by HonoluluGator
Mon Jan 28, 2013 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: After tax 401k contribution questions
Replies: 15
Views: 901

Re: After tax 401k contribution questions

Thank you everyone for your thoughtful replies. So to summarize what I have learned, I am maxing my 401k contribution every year and getting a company match. My company is adding another $25k plus every year as employer profit sharing, up to the max (I think $50k). I want to get as much money out of...
by HonoluluGator
Mon Jan 28, 2013 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: After tax 401k contribution questions
Replies: 15
Views: 901

Re: After tax 401k contribution questions

I contribute to the tIRA every year at the max (all after tax dollars), am no longer converting to Roth because of the high tax rate. My tax rate is 35%, maybe higher this year. Let's get back to this tIRA. If all of the contributions are after tax (non-deductible), there should be little tax if yo...
by HonoluluGator
Mon Jan 28, 2013 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: After tax 401k contribution questions
Replies: 15
Views: 901

Re: After tax 401k contribution questions

My 401k contribution is about $50k per year, I now realize a significant portion is after tax dollars. The fact that your 401k is filled to the $50k limit does not necessarily mean those contributions between $17k and $50k (using last year's numbers) are "after-tax employee contributions"...
by HonoluluGator
Mon Jan 28, 2013 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: After tax 401k contribution questions
Replies: 15
Views: 901

After tax 401k contribution questions

The more I learn on this forum, the more I realize I don't know!!! I recently started a thread on my overall asset allocation, and one of the issues I am having is that my 401k plan has relatively high costs, but it is my largest yearly contribution. I have read more on this and realize this is beca...
by HonoluluGator
Mon Jan 28, 2013 8:00 am
 
Forum: Investing - Help with Personal Investments
Topic: After tax 401k contribution questions
Replies: 15
Views: 901

Re: Please review my portfolio/asset allocation

JW Nearly Retired- thank you, correction made.
by HonoluluGator
Mon Jan 28, 2013 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Please review my portfolio/asset allocation
Replies: 4
Views: 665

Re: Please review my portfolio/asset allocation

YDNAL- Thank you for your suggestions. You don't think it is worthwhile to have holdings in a REIT ETF?
by HonoluluGator
Mon Jan 28, 2013 7:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Please review my portfolio/asset allocation
Replies: 4
Views: 665

Please review my portfolio/asset allocation

Here we go, I hope I didn't miss anything. Emergency funds- 3 to 6 months Debt- 500k mortgage 4% 100k HELOC 6% 50k misc school loans, car 4-5% 500k commercial property 5%- I am now a partner in my business, most principal partners own the real estate, and our rent pays the mortgage + 10% extra princ...
by HonoluluGator
Sun Jan 27, 2013 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Please review my portfolio/asset allocation
Replies: 4
Views: 665

Re: 401k bond fund options

I would like to keep a 40% bond allocation in this account as the account is now 45% of my retirement funds, and will grow much faster than my other investments. What about the other 55% of your retirement funds? Are they in IRAs? Each time I have left an employer, I have rolled over the 401Ks to a...
by HonoluluGator
Mon Jan 21, 2013 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k bond fund options
Replies: 3
Views: 356

401k bond fund options

I am working on my post with the total portfolio, written up in the appropriate format, but I wanted to ask for basic guidance on my 401k bond fund options first. My 401k is my "least efficient" investment (i.e. high costs), but it is also my fastest growing as it receives more contributio...
by HonoluluGator
Mon Jan 21, 2013 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k bond fund options
Replies: 3
Views: 356

Re: Quick question(s) on Vanguard Total Int'l ETF

Thank you both for your responses... I had no idea that the bid/ask number didn't matter when people weren't actually trading! :oops: :oops: :oops: :oops: :oops:
by HonoluluGator
Tue Jan 15, 2013 7:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Quick question(s) on Vanguard Total Int'l ETF
Replies: 3
Views: 352

Quick question(s) on Vanguard Total Int'l ETF

I am getting serious about asset allocation, using David Swensen as my main model, and have no foreign stock exposure. I am trying to keep it simple, using an ETF Total International fund, and I like the ER of Vanguard's (VXUS). 1) The BID-ASK spread looks high to me. Does that matter? Is there a be...
by HonoluluGator
Mon Jan 14, 2013 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick question(s) on Vanguard Total Int'l ETF
Replies: 3
Views: 352

Re: The "Fiscal Cliff." What to do?

I sold equities a few months ago, some due to concern with the cliff (knew it would not be settled by now), and partly because of the concerns about people cashing in long term gains while the 15% long term gains tax was in effect, particularly with Apple. Only problem is, not sure when to get back ...
by HonoluluGator
Thu Dec 27, 2012 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: The "Fiscal Cliff." What to do?
Replies: 76
Views: 3450

Re: 502 Chaplain

Aloha Taylor, a nice story, thank you. What regiment were you? My grandfather was the Chaplain of the 502 PIR, Raymond "Chappie" Hall. Merry Christmas! HonoluluGator: I was in the 502 Parachute Infantry Regiment. Chappie was a very brave and caring Chaplain. You can be very proud of your ...
by HonoluluGator
Tue Dec 25, 2012 12:34 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas gift for you.
Replies: 40
Views: 5035

Re: My Christmas gift for you.

Aloha Taylor, a nice story, thank you.

What regiment were you? My grandfather was the Chaplain of the 502 PIR, Raymond "Chappie" Hall.

Merry Christmas!
by HonoluluGator
Tue Dec 25, 2012 6:35 am
 
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas gift for you.
Replies: 40
Views: 5035

Re: Scott Burns is investing in Gold

If he really wants to hold gold, shouldn't he be buying the real thing and not an ETF? When the Zombie apocalypse hits, the ETF gold is going to do him no good. I'm pretty new to all of this, and I say that only partly tongue in cheek. My wife is alive today solely because her family had enough gold...
by HonoluluGator
Tue Dec 25, 2012 6:31 am
 
Forum: Investing - Theory, News & General
Topic: Scott Burns is investing in Gold
Replies: 126
Views: 8805

Re: Disability insurance

dhodson wrote:
The above mentioned plan is a group plan and it will have the same limitations. Stamping guardian on the name does not improve it.



Thanks! Just what I wanted to know.
by HonoluluGator
Fri Sep 14, 2012 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disability insurance
Replies: 7
Views: 500

Re: Disability insurance

I can't find the exact details of the Guardian group policy, but it is referenced on the paperwork as G-00458022 which (through Google search) appears to be a standard Guardian group policy for professional organizations such as Florida Medical Association, Florida Bar, etc. The above replies indica...
by HonoluluGator
Fri Sep 14, 2012 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Disability insurance
Replies: 7
Views: 500

Disability insurance

I am a physician who has "maximum" coverage for my salary through NWMu. I just received a mailer from my state medical association offering group rates through Guardian. Also, I just found out I am also covered by a group plan at work, which I think is through NWMu. I was considering switc...
by HonoluluGator
Thu Sep 13, 2012 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Disability insurance
Replies: 7
Views: 500

Re: 5/1 ARM or 30-Year fixed

downshiftme wrote:My "advice" is that this is too much house for you. A 680,000 loan on your incomes will rule your finances forever.

I second this opinion.
by HonoluluGator
Wed Sep 05, 2012 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: 5/1 ARM or 30-Year fixed
Replies: 22
Views: 2051

Re: Cheapest way to reap $3k tax value "loss" every year?

So basically you'd want to put $3k into each of two funds, one of which would be driven to zero and the other to $6k. OK... so fund one is a loss of $3000/ Fund two is a gain of $3000, but no taxes on it due to the losses of one. At the end of the year, for your initial investment of $6000 you now ...
by HonoluluGator
Wed Sep 05, 2012 5:39 am
 
Forum: Investing - Theory, News & General
Topic: Cheapest way to reap $3k tax value "loss" every year?
Replies: 31
Views: 2930

Re: Investment software?

Forgot to mention... I use both PC and Mac, and also iPhone/iPad...
by HonoluluGator
Thu Aug 30, 2012 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment software?
Replies: 10
Views: 997

Investment software?

I am looking for software to track my financial status over multiple different accounts at different banks, to include checking, savings, 401k, IRA, mortgage, etc. I want to be able to look at one place to see where my money is, what the value (and earnings) of my investments are, what my asset allo...
by HonoluluGator
Thu Aug 30, 2012 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investment software?
Replies: 10
Views: 997

Re: Do you have a 'cash' allocation?

Most of my "cash" allocation goes to my home equity line of credit. It is therefore a liquid asset that earns me 6%.

Most of my "bond" allocation goes to pay down my first mortgage. I see it as a 4% return.

When I pay both off completely in a few years, I will re-allocate.
by HonoluluGator
Thu Aug 30, 2012 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Do you have a 'cash' allocation?
Replies: 44
Views: 3543

Re: Pool Chlorine

It has been 20 years, but worked through high school and college in a pool supply store... will do my best to remember details. 1. Use liquid chlorine once a week for your shock treatment. The pool grade is stronger than the laundry grade, and generally any cost savings of laundry grade is negligibl...
by HonoluluGator
Thu Aug 16, 2012 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Pool Chlorine
Replies: 15
Views: 2378

Re: Real Estate Agent Commission Negotiable?

It is negotiable, but the "best" agents won't accept it, as another poster mentioned. The last time I sold, I got the best agent in the town, paid full commission, but used other ways to save some money. For instance, the agent did all the legwork for minor repairs, touch-up, and new appli...
by HonoluluGator
Wed Aug 15, 2012 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Real Estate Agent Commission Negotiable?
Replies: 42
Views: 3303

Re: Smartphone screen cracked--repair?

For a common phone, the repair kits on Amazon are dirt cheap, and there are YouTube videos on how to do it.

Also, with the advent of the popularity of the iPhone (and the ridiculous Apple repair costs), independent repair facilities are now everywhere. Your town probably has one.
by HonoluluGator
Wed Aug 15, 2012 12:26 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone screen cracked--repair?
Replies: 18
Views: 4331

Re: whole life insurance

bc you are getting a guarantee interest rate on the cash surrender value. Assuming no loans, you fully paid the premium etc then the csv should be going up at that rate at least. The csv is usually zero for a few years. The actual return on a whole life product meaning the death benefit from all th...
by HonoluluGator
Wed Aug 15, 2012 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: whole life insurance
Replies: 38
Views: 4215

Re: Why not use black tarps to protect roof?

I think the original poster has a great idea. Change the tarps yearly, and use last year's tarp to cover the cars on blocks in your front yard or to wallpaper your outhouse. Or, you could use the tarps you now use to cover your collection of velvet Elvis paintings (or your 37 year old collection of...
by HonoluluGator
Wed Aug 15, 2012 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Why not use black tarps to protect roof?
Replies: 58
Views: 9154

Re: whole life insurance

Somewhere in that meeting, this was probably said as well: "You are guaranteed a 4.5% rate of return, without the risk of your money ever going down/backwards " --- Am I right? Yes, that is correct. I'm pretty sure that is one of their training techniques, because everyone that I have spo...
by HonoluluGator
Wed Aug 15, 2012 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: whole life insurance
Replies: 38
Views: 4215

Re: whole life insurance

Mandrale wrote:
Somewhere in that meeting, this was probably said as well: "You are guaranteed a 4.5% rate of return, without the risk of your money ever going down/backwards" --- Am I right?


Yes, that is correct.
by HonoluluGator
Tue Aug 14, 2012 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: whole life insurance
Replies: 38
Views: 4215

Re: Why not use black tarps to protect roof?

I think the original poster has a great idea. Change the tarps yearly, and use last year's tarp to cover the cars on blocks in your front yard or to wallpaper your outhouse. Or, you could use the tarps you now use to cover your collection of velvet Elvis paintings (or your 37 year old collection of ...
by HonoluluGator
Tue Aug 14, 2012 12:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why not use black tarps to protect roof?
Replies: 58
Views: 9154

Re: whole life insurance

For the OP, I have been pitched permanent life insurance many times by a Northwestern Mutual agent, and I bet the pitch you are referring to is from them as well. The one thing I keep coming back to is he guarantees a 4.5% rate of return, which sounds great for a "conservative investment."...
by HonoluluGator
Tue Aug 14, 2012 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: whole life insurance
Replies: 38
Views: 4215

Re: Renouncing claim to an inherited house?

gd wrote:I have no financial advice to give, just wanted to comment that it's nice to read an inheritance thread where, for once, all that's being discussed is the best way to do a profoundly decent thing.

Amen.
by HonoluluGator
Tue Aug 14, 2012 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renouncing claim to an inherited house?
Replies: 16
Views: 2786

Re: 529 and grandparents

OK, so have followed this thread and links, and getting more confused all the time. I am in my 40's with a 3 year old child, possibly another on the way. I just started a 529 (Utah) and the grandparents plan to contribute to it. IRA's may be some back up money to fund her education. There is no stat...
by HonoluluGator
Tue Aug 14, 2012 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 and grandparents
Replies: 34
Views: 2262

Re: American Funds for 401k?

1. Which company does the 401k representative work for? 2. Who would you use for recordkeeping and administration? 3. Would index funds that cost not more than 0.07 to 0.25% per year be included in the menu? Which index funds would be used? 4. Do you have a list of all the costs involved? Am asking...
by HonoluluGator
Sat May 26, 2012 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: American Funds for 401k?
Replies: 6
Views: 2042

American Funds for 401k?

Our company has met with a 401k representative who would like us to switch our 401k's to him, and he primarily wants us to use American Funds as our investments. It appears these are higher cost than Vanguard, but am interested in people's experience with American Funds. My opinion is Vanguard is be...
by HonoluluGator
Fri May 25, 2012 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: American Funds for 401k?
Replies: 6
Views: 2042

Re: The Facebook Fallacy

Someday a cool, better search engine will emerge, and the masses will never “google” something again. Remember when you used Yahoo, then before that Excite, and before that AltaVista? Just a matter of time before Google is added to that list. Could be tomorrow, could be a decade, but it will eventu...
by HonoluluGator
Fri May 25, 2012 7:59 am
 
Forum: Investing - Theory, News & General
Topic: The Facebook Fallacy
Replies: 102
Views: 6555

Re: Why not just make bond allocation 100% inflation-indexed

nisiprius wrote:
Image



Thanks for that. A picture is worth 1000 words, and the chart really cleared up some misconceptions I had on bonds.
by HonoluluGator
Wed May 09, 2012 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Why not just make bond allocation 100% inflation-indexed?
Replies: 12
Views: 2023

Re: "Noise" Theory

this is interesting. As far as noise goes it's harder to get more noise than Apple. In fact a year ago I posted this -- > http://www.bogleheads.org/forum/viewtopic.php?t=70569 I pointed out that every day, without fail we could see one or more stories about Apple. At that point the stock price was ...
by HonoluluGator
Fri May 04, 2012 8:31 am
 
Forum: Investing - Theory, News & General
Topic: "Noise" Theory
Replies: 15
Views: 1100

Re: "Vanguard vs. the Competition"

Their performance in bonds over 1 and 3 years seems pretty average. Their lower costs would normally mean that a high percentage of their funds would outperform, as happened over 5 and 10 years. Anyone know a specific reason for the 1 and 3 year numbers. It could be something mundane like being gro...
by HonoluluGator
Fri May 04, 2012 8:22 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard vs. the Competition"
Replies: 15
Views: 2225

Re: Stock gift to avoid capital gains... to foreigner?

Remember, the question was only about capital gains tax, not gift tax, although some posts did mention it. The OP mentioned a gift and then the $10,000 in Apple stock. I wasn't clear if the Apple stock is the whole gift or if the gift is $25,000, of which the Apple stock represents $10,000 worth. T...
by HonoluluGator
Wed May 02, 2012 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: Stock gift to avoid capital gains... to foreigner?
Replies: 18
Views: 1090
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