Search found 834 matches

by LAlearning
Tue Jul 28, 2015 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor fee question
Replies: 19
Views: 1312

Re: Advisor fee question

Domer03 needs to run from that advisor.
by LAlearning
Tue Jul 28, 2015 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficient bonds & other allocation questions
Replies: 3
Views: 343

Re: Tax efficient bonds & other allocation questions

1. Given the large (and increasing) contribution to Taxable, should I be looking at different bond strategies? Thus far i've had all bonds (+ REIT) in our 401k, and for now, I have a good amount of space to rebalance. Should I be looking at anything different up until the point I run out of tax-adva...
by LAlearning
Tue Jul 28, 2015 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Placement help
Replies: 4
Views: 253

Re: Fund Placement help

are you able to open a solo 401k?
by LAlearning
Tue Jul 28, 2015 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Minimums for Fund Purchases
Replies: 8
Views: 227

Re: Minimums for Fund Purchases

minimum is per fund, not account total.
same for admiral.
by LAlearning
Tue Jul 28, 2015 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Newlywed and new career--advice for starting out?
Replies: 3
Views: 330

Re: Newlywed and new career--advice for starting out?

I wouldn't listen to your father as expenses matter the most, but that is just me. Only funds I would use in your 401k right now: 1) MM S&P 500 Index (Northern Trust) MIEZX (.23) 2) MM Russell 2000 Small Cap Index (Northern Trust) MCJZX(.25) - 80% S&P + 20% Small = Total US Stock 3) Sel MetW...
by LAlearning
Sun Jul 26, 2015 3:55 pm
Forum: Personal Consumer Issues
Topic: Vanguard Account Hacked
Replies: 22
Views: 2641

Re: Vanguard Account Hacked

are you trying to say you got "locked out" after too many password guesses because that happens when someone thinks they have the same username but actually dont. i wouldnt call it hacking. and even then, what are they going to do, invest money from your linked bank? or worse, sell your fu...
by LAlearning
Sun Jul 26, 2015 8:33 am
Forum: Investing - Theory, News & General
Topic: Is the commodity implosion foretelling a stock market crash?
Replies: 28
Views: 2976

Re: Is the commodity implosion foretelling a stock market crash?

No. Maybe. Yes....definitely unsure.

I do know this changes nothing.
by LAlearning
Sat Jul 25, 2015 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Regarding expense ratios
Replies: 4
Views: 404

Re: Regarding expense ratios

No difference.

Did you run the math?
by LAlearning
Sat Jul 25, 2015 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) help.
Replies: 5
Views: 357

Re: 403(b) help.

what are all the options?
by LAlearning
Sat Jul 25, 2015 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Medical Student Investor
Replies: 13
Views: 1266

Re: Medical Student Investor

Your FA makes no sense.

My only comments are re: IRAs
- why have one in an s&p 500 and the other in an extended market when both can be in Spartan Total US Index if your goal is US stock coverage?
by LAlearning
Sat Jul 25, 2015 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: What should I put in my Roth IRA if TDF's are "bad?"
Replies: 24
Views: 923

Re: What should I put in my Roth IRA if TDF's are "bad?"

the limit is for yearly contribution. once you contribute, Vanguard does not care where you allocate the money or how much you move around.
by LAlearning
Sat Jul 25, 2015 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Artificial Interest Rates and Bubble
Replies: 10
Views: 541

Re: Artificial Interest Rates and Bubble

there are lots of opinions out there....
lots of people here have opinions, but find other places to....discuss them.

only advice at 22. pay off the loans, set up and efund, and funnel the rest towards the TSP.
by LAlearning
Fri Jul 24, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: Any IPad users, I am looking for a new IPad device
Replies: 7
Views: 1130

Re: Any IPad users, I am looking for a new IPad device

iPad2 is quite old. Time to replace it.
by LAlearning
Fri Jul 24, 2015 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for First Investments
Replies: 3
Views: 209

Re: Advice for First Investments

do you work, therefore be able to put money into a rIRA? Seems like you'll need money for things (rent, job prospects, a car.....college stuff) which generally shouldn't be invested but rather saved. What exactly is there to familiarize with in the markets these days? 10 years is not actually very l...
by LAlearning
Fri Jul 24, 2015 9:17 pm
Forum: Forum Issues and Administration
Topic: Are Things Slowing Down Again?
Replies: 10
Views: 1389

Re: Are Things Slowing Down Again?

likely they are doing some back end work.....keep calm everyone!!!!!!1111
by LAlearning
Fri Jul 24, 2015 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: boglehead noobie...
Replies: 3
Views: 277

Re: boglehead noobie...

Why dont you leave it where it is?
Why dont you move it to your new company?

Lots of unaswered questions. You can search for "asking porfolio questions" and see an example so that people here can better answer your questions.
by LAlearning
Fri Jul 24, 2015 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Indexing vs. Active Management
Replies: 12
Views: 922

Re: Indexing vs. Active Management

However, question for you all: I was casually looking at T. Rowe Price's website today. and see that their Blue Chip Growth appears to beat VTSAX over 1,3,5, and 10 year time frames, even accounting for its .72% ER compared to .05% for VTSAX. While I know this is not an apples to apples comparison,...
by LAlearning
Thu Jul 23, 2015 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: Quick question on Vanguard i401(k)
Replies: 12
Views: 644

Re: Quick question on Vanguard i401(k)

1. I don't think so, but you can ask Vanguard.
2. A tIRA.
by LAlearning
Thu Jul 23, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Pulling Frequent Credit Reports
Replies: 6
Views: 634

Re: Pulling Frequent Credit Reports

annualcreditreport.com
You only get 1 per yr per agency unless you pay.
Sorry for the identity theft, sounds very frustrating.
by LAlearning
Thu Jul 23, 2015 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: bond mutual funds vs individual bonds in a rising interest rate environment
Replies: 3
Views: 298

Re: bond mutual funds vs individual bonds in a rising interest rate environment

Doesn't make sense to me. I want those new higher interest bonds now without the fuss.

And you do lose value. I'll let you figure out how.
by LAlearning
Thu Jul 23, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Doc changing last name
Replies: 23
Views: 3567

Re: Doc changing last name

obviously she needs a new medical/dea license.
by LAlearning
Thu Jul 23, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Today's Vanguard Webinar On Bonds
Replies: 10
Views: 1522

Re: Today's Vanguard Webinar On Bonds

It was nothing new.

All the functions worked for me.
by LAlearning
Thu Jul 23, 2015 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: going to cash
Replies: 33
Views: 4780

Re: going to cash

fvaldes wrote:nothing happened. the thing is I see the logic behind both approaches.


Fear is not logical...
by LAlearning
Thu Jul 23, 2015 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Greatly appreciate advice for my personal finances.
Replies: 26
Views: 2520

Re: Greatly appreciate advice for my personal finances.

I just started looking on website and now hit with a new question if anyone would be kind to talk me through it: I guess I am not sure what the advantage is for an ETF type index fund versus a standard index fund. In a taxable account is one better than the other for my purposes? did you read the w...
by LAlearning
Thu Jul 23, 2015 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: going to cash
Replies: 33
Views: 4780

Re: going to cash

agreed... :oops:
by LAlearning
Wed Jul 22, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: I'm a spender?
Replies: 44
Views: 5721

Re: I'm a spender?

delayed gratification. at some point, you break.

however, given the self-insight, hopefully you are able to curtail this. spend money on experiences (vacay), and less things (electronics).

a healthy balance is important.

good luck.
by LAlearning
Wed Jul 22, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Target Fund in Taxable
Replies: 3
Views: 674

Re: Target Fund in Taxable

Neither. TDF Are not tax efficient.
by LAlearning
Wed Jul 22, 2015 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K
Replies: 2
Views: 174

Re: Help with 401K

- Ugh, those options suck. I would start here: Campaign for Better 401k . - The S&P500 and/or Small Cap are fine for now I guess. The % of each just depends on if you want to overweight small or not. - I would leave your old 401k where it is. Better protection, seems to have good options, and ke...
by LAlearning
Wed Jul 22, 2015 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for a down payment
Replies: 3
Views: 367

Re: Saving for a down payment

Just realize 8-10 yrs may not be enough to recover losses from the market (especially at 90:10). What if you reach your goal sooner? What if you find a house in the next crash and the money is not there? What is your plan for selling and paying taxes? If you are going to use municipal bonds (assumin...
by LAlearning
Wed Jul 22, 2015 1:33 pm
Forum: Personal Consumer Issues
Topic: Lifelock charged with possible fraud by the FTC
Replies: 5
Views: 928

Re: Lifelock charged with possible fraud by the FTC

I think this was posted somewhere else.

Just re-enforces that one should freeze one's credit.
by LAlearning
Wed Jul 22, 2015 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Huge Mistake, Bought PBYI, Now What?
Replies: 26
Views: 3425

Re: Huge Mistake, Bought PBYI, Now What?

I vote buy more! If not, then TLH and move on.
by LAlearning
Wed Jul 22, 2015 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Should I consider Social Security Benefits as Assets
Replies: 44
Views: 2763

Re: Should I consider Social Security Benefits as Assets

Nope. Will revisit in 39 years....
by LAlearning
Tue Jul 21, 2015 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: $11,000 bonus...where should I put it?
Replies: 27
Views: 2429

Re: $11,000 bonus...where should I put it?

with 310K income, how havent you already maxed your rIRAs?
I vote do that.
by LAlearning
Tue Jul 21, 2015 1:03 pm
Forum: Investing - Theory, News & General
Topic: The X Factor?
Replies: 6
Views: 432

Re: The X Factor?

Anyone can back-test something to make up great returns. So I vote calculated madness.

Also, I will not click on your link.
by LAlearning
Tue Jul 21, 2015 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Should I get out of personal stocks - Did
Replies: 11
Views: 1073

Re: Should I get out of personal stocks - Did

Probably both. I think you can sell the ones with losses easily. Then sell any gains to offset those loses and hit even. The rest is up to you. I would recommend to not put more money into individual stocks. Those left can be earmarked as "gambling/fun" part of your portfolio. Turn off re-...
by LAlearning
Sat Jul 18, 2015 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: State of Affairs! Investment Summary/10 year plan questions
Replies: 8
Views: 731

Re: State of Affairs! Investment Summary/10 year plan questions

Do you have access to a retirement account through your work? If not, are you able to open a solo 401k? I would prioritize retirement savings in another vehicle prior to taxable if you have the option.

This can also help answer some of your questions: Tax Efficient Fund Placement
by LAlearning
Sat Jul 18, 2015 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Arrangements
Replies: 2
Views: 414

Re: HSA Arrangements

Wiki: HSA
by LAlearning
Sat Jul 18, 2015 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA
Replies: 2
Views: 281

Re: Backdoor Roth IRA

I don't know what a post-tax IRA contribution is, but regardless, as long as he is aware of the pro-rata rule you can convert at any time.

Aka, he's gonna owe taxes on everything....
by LAlearning
Sat Jul 18, 2015 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Requesting help to understand taxes
Replies: 11
Views: 830

Re: Requesting help to understand taxes

It is not that simple.

You can start here: Tax Basics

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