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Re: Investment Help

Yes.

I prefer tax efficiency and diversification. TSM+TISM. TLH as needed.
by LAlearning
Sun Dec 14, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Help
Replies: 7
Views: 353

Re: Performed backdoor Roth and accountant did not file 8606

Yes. Yes. Yes.

Amend your tax return with an 8606.

Also find a new accountant.
by LAlearning
Sun Dec 14, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 44
Views: 2627

Re: Should I Fix 1999 Grand Marquis (182K Miles)

[...] worthwhile american used car [...] finance something more dependable? These two sentences are dichotomous lol. But either way, you need a dependable commuter car for 30K miles/year....no guarentee a new-er car will not break down randomly, though statistically it should not and also be safer ...
by LAlearning
Thu Nov 27, 2014 11:42 am
 
Forum: Personal Consumer Issues
Topic: Should I Fix 1999 Grand Marquis (182K Miles)
Replies: 19
Views: 1637

Re: best performer - very similar index funds

I always thought that you should never put a tax managed fund in a tax shelter like an IRA. When you compare the returns over 12 years, you see that the VTCLX out performed both the VFIAX and the VTSAX in total returns. So my conclusion would be to put the tax managed fund in a tax shelter. What wo...
by LAlearning
Thu Nov 27, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: best performer - very similar index funds
Replies: 22
Views: 1946

Re: Freakonomics approach to 401(k) choices

That's called diversification, and fixed income. Welcome to investing.
by LAlearning
Sun Nov 23, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics approach to 401(k) choices
Replies: 27
Views: 2670

Re: Should I buy more REITs?

TomatoTomahto wrote:Well, Newb has over 1000 posts.

[OT comments removed by admin LadyGeek.]


Didn't know post count had anything to do with, well anything. He is still paying commissions :oops:
by LAlearning
Thu Oct 30, 2014 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5072

Re: I moved, so my credit score dropped by 50 points

Nothing you do today will affect you a year from now.
by LAlearning
Sun Oct 26, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: I moved, so my credit score dropped by 50 points
Replies: 14
Views: 1947

Re: Moving money that's in the market

Your going to move almost a third of your portfolio into riskier assets? What changed...
by LAlearning
Sun Oct 26, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving money that's in the market
Replies: 7
Views: 690

Re: Young Doctor Needs Finance Consult

Hoestly doing married jointly wouldnt not make that much of a difference. And you should have done your residency 401k/403b. Then you would not run into the pro-rata rule. Convert now while the salary is "low". Also I'm assuming your new job qualifies as a 501c, otherwise IBR cannot contin...
by LAlearning
Wed Oct 22, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Young Doctor Needs Finance Consult
Replies: 13
Views: 1323

Re: Vanguard Account Error [Roth gone missing]

And it's back. Odd glitch. Didn't change anything. Thanks guys.
by LAlearning
Tue Oct 21, 2014 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Error [Roth gone missing]
Replies: 10
Views: 1177

Vanguard Account Error [Roth gone missing]

My Roth IRA account is missing now from my online list of accounts. I only have 2, so its pretty obvious something is missing. Anyone else with similar problems?? Was the site recently updated?? Its late, so will have to call in the morning. Thanks.
by LAlearning
Mon Oct 20, 2014 11:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Error [Roth gone missing]
Replies: 10
Views: 1177

Re: What to do after maxing out retirement fund?

Do you mean roth 401 or IRA? Cause both should be filled , but maybe not both roth...
by LAlearning
Fri Oct 10, 2014 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out retirement fund?
Replies: 14
Views: 1103

Re: Are you a "maximizer" or a "satisficer"?

This is definitely a book....
by LAlearning
Mon Oct 06, 2014 10:45 pm
 
Forum: Personal Consumer Issues
Topic: Are you a "maximizer" or a "satisficer"?
Replies: 52
Views: 3465

Re: Three fund allocation per Vanguard Flagship CFP?

You could also theoretically leave it in cash/CDs....at 84yo and 45k/yr, she wont live long enough to use it.....
by LAlearning
Fri Oct 03, 2014 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Three fund allocation per Vanguard Flagship CFP?
Replies: 45
Views: 5725

Re: Fidelity Puritan in IRA after retirement

Please look up "asking portfolio questions" in the search bar above.
by LAlearning
Sun Sep 28, 2014 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Puritan in IRA after retirement
Replies: 6
Views: 496

Re: How Long Should I Keep My Car?

10 years minimum.

Are you a doctor? What else would be terrible for work...
by LAlearning
Sun Sep 28, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4296

Re: What's Your Takeaway from 2014 High Valuation

Just checked yesterday. Goal is 75:25, and I am 75.1/24.9......so much to do about nothing.
by LAlearning
Sun Sep 28, 2014 9:28 am
 
Forum: Investing - Theory, News & General
Topic: What's Your Takeaway from 2014 High Valuation
Replies: 52
Views: 4403

Re: How many times did John C. Bogle change his mind?

I think people are allowed to change their minds.
by LAlearning
Thu Sep 25, 2014 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: How many times did John C. Bogle change his mind?
Replies: 20
Views: 1800

Re: 23 Year Old - 70/30 Asset Allocation?

Increadible savings rate. Dont listen to anyone, do what you want with regards to AA.

Keep up the savings rate, keep costs low, and carry on. You are going to be set that way be it 70:30, 100:0 or anything in between.
by LAlearning
Sun Sep 21, 2014 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 Year Old - 70/30 Asset Allocation?
Replies: 12
Views: 1129

Re: How to achieve a balance between "saving" and "living"?!

Ah first world problems.
I would never buy a Harley though, let alone new. Why not a used Yama or Harley? Or even better spend some time in the ED, see some trauma, sell the bike, don't pay insurance, and go on a nice trip.
by LAlearning
Sat Sep 20, 2014 3:18 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6805

Re: Regular vs Roth 401k?

Reg especially if state taxes. Dropping a tax bracket is a much more meaningful change for someone with that income vs making 200K.

If she's freaking over the future, why not 10k 401, 5.5k rIRA?
by LAlearning
Sat Sep 20, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular vs Roth 401k?
Replies: 5
Views: 428

Re: Where do I put my cash now?

Stocks.
by LAlearning
Tue Sep 16, 2014 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 23
Views: 2609

Re: Macbook Air; how much RAM?

Max it, especially if you truly plan for 5 or more years of use.
by LAlearning
Tue Sep 16, 2014 9:13 am
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3445

Re: Why did REITs drop today?

Down 3% today. Woohoo buying!
by LAlearning
Fri Sep 12, 2014 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4301

Re: Why did REITs drop today?

Also you get what you ask for: viewtopic.php?f=1&t=142829&p=2119883#p2119883
by LAlearning
Wed Sep 10, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4301

Re: Why did REITs drop today?

I don't see why you care. What insight are you trying to glean?

I see it as a buying opportunity.
O wait, it didn't trigger a band.
Moving along.
by LAlearning
Wed Sep 10, 2014 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4301

Re: Reliable Portable CD Player Needed

iPod.
by LAlearning
Wed Sep 10, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Reliable Portable CD Player Needed
Replies: 28
Views: 1542

Re: I've been going all tax-deferred, considering to go taxa

How the 62?€>]%€ do you NOT have a taxable account?! :oops: :dollar
by LAlearning
Wed Sep 10, 2014 1:21 am
 
Forum: Investing - Help with Personal Investments
Topic: I've been going all tax-deferred, considering to go taxable.
Replies: 37
Views: 3597

Re: roth ira funds help

Tech stocks seem to do that to people.
by LAlearning
Mon Sep 08, 2014 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: roth ira funds help
Replies: 19
Views: 808

Re: Life insurance with a smoking spouse

I appreciate the concern about him smoking but I think in this post it is unfair to expect him to quit to save the money. He will not quit, and I will no longer pester him about it, it is his choice and he knows my feelings on it. I do not appreciate the comments, whatever your intention may be, th...
by LAlearning
Mon Sep 08, 2014 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1351

Re: Lifestrategy Fund questions?

Not dumb, but easily confirmed with math:
50% * 40 = 20
50% * 20 = 10
20+10 = 30

This is a valid strategy for those who want an intermediate step in Vanguards LS funds (10% change). However, are you balancing this with other retirement accounts? Which then raises the question, why are you doing this?
by LAlearning
Mon Sep 08, 2014 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy Fund questions?
Replies: 8
Views: 787

Re: V6 or V8 engine for new Chrysler 300

stingray5688 wrote:why would you get a v6 when you could get a v8?? :twisted: but then again, not sure why anyone would buy a chrysler in the first place.


+1
by LAlearning
Mon Sep 08, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1778

Re: Life insurance with a smoking spouse

Forget the life insurance. The single best long term change you can make for your health, your husbands health, and the health of your future child (both during and after pregnancy) is to get him to stop smoking.
by LAlearning
Mon Sep 08, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1351

Re: So far, so good? Vanguard Total International Bond

Do we base all our decisions on single year data?
by LAlearning
Sun Sep 07, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: So far, so good? Vanguard Total International Bond
Replies: 45
Views: 5917

Re: Considering divesting international position...

Hey guys, I currently have 25,000 in Roth IRA Vanguard Total International Stock Market (VGTSX) (admiral shares). Looking at the performance since inception, it's a little over 5%. However, the performance of Total Stock Market is over 9% (granted, Total Stock Market has been around a lot longer th...
by LAlearning
Sat Sep 06, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering divesting international position...
Replies: 12
Views: 621

Re: between rebalancing, Stocks or bonds?

All 3. Did not vote as this is a glaring omission in the poll.
by LAlearning
Sat Sep 06, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: between rebalancing, Stocks or bonds?
Replies: 8
Views: 351

Re: Drawing down a windfall...

You are one of these people: http://online.wsj.com/articles/six-figu ... 1409936418

You need to stop.
by LAlearning
Sat Sep 06, 2014 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Drawing down a windfall...
Replies: 55
Views: 4296

Re: Some questions on my financial health and AA

LeeMKE wrote:The best way to set your asset allocation is to take a few of the asset allocation tests to find your risk appetite.


This is something I would not recommend.
by LAlearning
Sat Sep 06, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Some questions on my financial health and AA
Replies: 28
Views: 2916

Re: Role of Non-Vanguard Index funds in your portfolio

I don't care about Lipper/Morningstar ratings.
by LAlearning
Sat Sep 06, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Role of Non-Vanguard Index funds in your portfolio
Replies: 15
Views: 1055
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