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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 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young Doctor Needs Finance Consult
Replies: 13
Views: 1237

Re: Vanguard Account Error [Roth gone missing]

And it's back. Odd glitch. Didn't change anything. Thanks guys.
by LAlearning
Wed Oct 22, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Error [Roth gone missing]
Replies: 10
Views: 1136

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
Tue Oct 21, 2014 12:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Error [Roth gone missing]
Replies: 10
Views: 1136

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 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out retirement fund?
Replies: 14
Views: 847

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

This is definitely a book....
by LAlearning
Mon Oct 06, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Are you a "maximizer" or a "satisficer"?
Replies: 52
Views: 3045

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 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Three fund allocation per Vanguard Flagship CFP?
Replies: 45
Views: 4680

Re: Fidelity Puritan in IRA after retirement

Please look up "asking portfolio questions" in the search bar above.
by LAlearning
Mon Sep 29, 2014 12:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Puritan in IRA after retirement
Replies: 6
Views: 435

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 5:17 pm
 
Forum: Personal Consumer Issues
Topic: How Long Should I Keep My Car?
Replies: 50
Views: 4090

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 10:28 am
 
Forum: Investing - Theory, News & General
Topic: What's Your Takeaway from 2014 High Valuation
Replies: 52
Views: 4223

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 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: How many times did John C. Bogle change his mind?
Replies: 20
Views: 1715

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 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 Year Old - 70/30 Asset Allocation?
Replies: 12
Views: 995

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 4:18 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6675

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 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Regular vs Roth 401k?
Replies: 5
Views: 427

Re: Where do I put my cash now?

Stocks.
by LAlearning
Wed Sep 17, 2014 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 23
Views: 2576

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 10:13 am
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3255

Re: Why did REITs drop today?

Down 3% today. Woohoo buying!
by LAlearning
Fri Sep 12, 2014 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4169

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 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4169

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 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 4169

Re: Reliable Portable CD Player Needed

iPod.
by LAlearning
Wed Sep 10, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Reliable Portable CD Player Needed
Replies: 28
Views: 1446

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 2:21 am
 
Forum: Investing - Help with Personal Investments
Topic: I've been going all tax-deferred, considering to go taxable.
Replies: 37
Views: 3541

Re: roth ira funds help

Tech stocks seem to do that to people.
by LAlearning
Mon Sep 08, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: roth ira funds help
Replies: 19
Views: 778

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 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1313

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 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy Fund questions?
Replies: 8
Views: 774

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 1:04 pm
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1736

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 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1313

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 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: So far, so good? Vanguard Total International Bond
Replies: 45
Views: 4958

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 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering divesting international position...
Replies: 12
Views: 605

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 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: between rebalancing, Stocks or bonds?
Replies: 8
Views: 346

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 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Drawing down a windfall...
Replies: 55
Views: 4247

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 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Some questions on my financial health and AA
Replies: 28
Views: 2779

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

I don't care about Lipper/Morningstar ratings.
by LAlearning
Sat Sep 06, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Role of Non-Vanguard Index funds in your portfolio
Replies: 15
Views: 1023

Re: Are there any real total bond funds?

It would be impossible. Think of munis and IBonds...
by LAlearning
Fri Sep 05, 2014 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: Are there any real total bond funds?
Replies: 65
Views: 3059

Re: Retiree Investor Needs Advice

I am 68 years old and have two(2) 401K accounts. Would like to roll them over into a diversified IRA or Brokerage Account with moderate risk. We will not need any income from this account to live on. Can someone advise on the best place to invest? "Moderate Risk"? Look no further,,,,Vangu...
by LAlearning
Fri Sep 05, 2014 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Investor Needs Advice
Replies: 28
Views: 1668

Re: Drop son's car insurance while away at college?

Just make sure he realizes that he is not covered at all. Also when he comes back home to visit he cant drive. And now some firms institute higher premiums for those who do not keep consistent car insurance. Just thoughts.
by LAlearning
Fri Sep 05, 2014 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Drop son's car insurance while away at college?
Replies: 18
Views: 1156

Re: Warning level

dgdevil wrote:
That's what I wondered at my former job ... yada, yada, yada ... my FORMER job.

I have 1 warning here, with no explanation. Pretty creepy and childish, tbh.


+1
by LAlearning
Fri Sep 05, 2014 1:07 pm
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2450

Re: Warning level

I am a lvl 3! I am also snarky. One came for a Mr. Scrooge comment.....another for telling someone to become an adult. Ah, snark.
They are solely for # of warnings, although I'm sure there is a severity line you cannot cross.
You also get no rebuttal, its final say by the mods.

See you at lvl 4...
by LAlearning
Fri Sep 05, 2014 10:41 am
 
Forum: Forum Issues and Administration
Topic: Warning level
Replies: 39
Views: 2450

Re: My early 30's Ameriprise portfolio

I think the OP left.
by LAlearning
Wed Sep 03, 2014 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3498

Re: Once your house appreciates +$250k, sell it?

Um, real estate fees....

I would rather have my house appreciate over the allotted tax-free limit, and pay taxes rather than move.

Also Prop 13.
by LAlearning
Tue Sep 02, 2014 12:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 42
Views: 3820
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