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Re: Intermediate term tax exempt bond fund or TBM? Pls help

Depending on the size of those accounts, you can get even simpler than that. Lets say tax advantaged is 75% of the total dollars in all accounts: 75 TA 33% Total Market Index 33% Total Bond Index 33% Total International 25 Taxable 100% Total Market Index If the accounts are more equal in size it get...
by MKP
Thu Aug 28, 2014 6:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate term tax exempt bond fund or TBM? Pls help
Replies: 9
Views: 781

Re: Total International Bond Index Fund

I dont know, maybe I am in the minority here, but at a 1% SEC yeild, this bond fund seems more like a savings account with the ability to lose principle.

You can only go full NIRP for so long.
by MKP
Tue Aug 26, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2641

Re: FRS (Fl Ret Srv) Pension Option - Worth it?

My wife is in the pension systeem for Fl. Iirc, it currently has a small shortfall in pension asset funding, but florida has taken steps to minimize the risk of future funding problems. My wife has 24 years until retirement and I chose to keep her in the system. She still had a Roth in order to dive...
by MKP
Fri Jul 25, 2014 8:53 am
 
Forum: Investing - Help with Personal Investments
Topic: FRS (Fl Ret Srv) Pension Option - Worth it?
Replies: 10
Views: 728

Re: How Bogleheaded today? I was supposed to buy my stocks.

abuss368 wrote:
Grt2bOutdoors wrote:I bought Total Intl today. :beer


And that is the Boglehead way!


I bought yesterday :(

Not really worried - as the problems causing the markets to melt down cant be solved over the weekend. (and ill have more money to buy next week)
by MKP
Fri Jan 24, 2014 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Bogleheaded today? I was supposed to buy my stocks.
Replies: 50
Views: 3947

Re: Eugene-Fama/Dimension Funds

Off topic - but just want to add. I love my DFA small cap fund...because it is actually small-cap unlike the vanguard "small cap" funds that are nearly 46% mid cap.

So much for SV tilting with the VG funds.
by MKP
Tue Jan 14, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eugene-Fama/Dimension Funds
Replies: 13
Views: 1841

Re: buy I-bonds now or wait after May 1?

Yes, even at today's low rates, tax-deferred I Bonds remain a decent investment. Fortunately, many of us backed up the truck when they had fixed rates of 3.0' 3.3, 3.4 and 3.6% real. What if the May rates drop back to 0% where they were for some time? Mel, that is the KEY question, and it is why I ...
by MKP
Wed Jan 08, 2014 8:16 am
 
Forum: Investing - Help with Personal Investments
Topic: buy I-bonds now or wait after May 1?
Replies: 50
Views: 9220

Re: I-401K Question

one last question: do I have until the tax filing deadline to contribute to the plan or is it until through 12/31? The business tax year end date is 12/31.
by MKP
Sun Dec 29, 2013 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 956

Re: I-401K Question

There's no point in doing employer contributions. And there's no ability to make employer contributions, since she's maxed out under the section 415 limit (100 per cent of pay is $5000-353). I would execute an elective deferral agreement to that effect by 12/31. that was what i was thinking. I just...
by MKP
Sat Dec 28, 2013 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 956

Re: I-401K Question

she doesnt partake in the workplace 403b as all of the options are high cost and have hefty fees.
by MKP
Sat Dec 28, 2013 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 956

Re: I-401K Question

Considering it's the end of the year and a little late to open a Solo 401k, she might look at opening a SEP IRA for 2013, then at least she can save 20% of net profit. Next year, if earnings are that low, a SIMPLE IRA may allow just as much savings as a 401k. And I agree that a Roth IRA might be be...
by MKP
Fri Dec 27, 2013 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 956

Re: I-401K Question

MKP - There are a couple of potential snags which would all be situationally dependent. For starters, your question is correct as part of the individual contribution she can put it all into the 401k. However as mnvalue mentions, if she has another 401k, then her personal contributions between them ...
by MKP
Fri Dec 27, 2013 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 956

I-401K Question

My wife has a sole proprietorship and brings home about $5K extra in income per year. I understand she can make an individual 401K contribution of the sum of: $5000 and $(-353) se tax. For a total contribution of $4647 Is there any point to have employer contributions since the total is under the in...
by MKP
Thu Dec 26, 2013 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-401K Question
Replies: 14
Views: 956

Re: Trying to figure out why not tilt heavily to Small

i split large and small 50/50. I dont care that much about market cap. I really like a diverse selection of companies.

I dont want 80% of my domestic stock in just 500 companies.
by MKP
Sat Dec 14, 2013 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to figure out why not tilt heavily to Small
Replies: 21
Views: 1932

Re: Share Certificate 3 year PenFed 2.02% apy

Van-Guard23 wrote:Thanks...went ahead and opened a 3-year CD as I slowly build my CD ladder. Too bad I pulled the trigger too early on the 4-year CD with an APY of "only" 1.76% with PenFed.


Man, thats tough, you lost $2.40 per $1000 a year. :shock: :oops:
by MKP
Sat Nov 02, 2013 8:27 am
 
Forum: Investing - Theory, News & General
Topic: Share Certificate 3 year PenFed 2.02% apy
Replies: 61
Views: 6598

Re: Share Certificate 3 year PenFed 2.02% apy

TT wrote:https://www.penfed.org/


Thanks-checked the site early this morning and only the 5 & 7 yr were 2%.
by MKP
Fri Nov 01, 2013 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: Share Certificate 3 year PenFed 2.02% apy
Replies: 61
Views: 6598

Re: Determining how much to contribute to a new HSA

My employer is offering HSAs for the first time. In the past, I have never enrolled in FSAs due to losing the money if you dont use it in the 14.5 months period. However the nature of keeping all the money you contribute to the HSA until its spent attracts me to it. My employer allows you to contri...
by MKP
Tue Oct 29, 2013 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Determining how much to contribute to a new HSA
Replies: 3
Views: 355

Re: Vanguard's Old Dividend & Income Page

It is still there. Go to the "My Accounts" drop down, and then pick the 4th option "Dividend and Capital Gains". There is a "taxable and "non-taxable" tab. The link is there, MKP, and the tabs are there, but the data is not. Despite numerous sales, nothing is show...
by MKP
Sun Oct 27, 2013 8:36 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Old Dividend & Income Page
Replies: 9
Views: 1553

Re: HSA Question

I am helping some people at my work by explaining the investment options, and to me an instant 6.6% return is pretty good. I think the idea would be to accumulate about $10K before making the switch worth it as my employer covers the HSA fees. So at some point paying the HSA fees yourself becomes a...
by MKP
Sat Oct 26, 2013 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA Question
Replies: 8
Views: 784

Re: Investment Opinions: Bonds or CDs

I've seen a lot of talk on here of people keeping their bonds and others moving to CDs. What role do these investment options play in a portfolio and when are each appropriate in this investment environment? One specific question to discuss: 1. Should we be replacing bonds with CDs over the short t...
by MKP
Sat Oct 26, 2013 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Opinions: Bonds or CDs
Replies: 14
Views: 1048

Re: Investment Opinions: Bonds or CDs

I've seen a lot of talk on here of people keeping their bonds and others moving to CDs. What role do these investment options play in a portfolio and when are each appropriate in this investment environment? One specific question to discuss: 1. Should we be replacing bonds with CDs over the short t...
by MKP
Sat Oct 26, 2013 8:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Opinions: Bonds or CDs
Replies: 14
Views: 1048

Re: HSA Question

I am helping some people at my work by explaining the investment options, and to me an instant 6.6% return is pretty good. I think the idea would be to accumulate about $10K before making the switch worth it as my employer covers the HSA fees. So at some point paying the HSA fees yourself becomes a ...
by MKP
Fri Oct 25, 2013 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Question
Replies: 8
Views: 784

HSA Question

I know there have been a bunch of health questions lately, but I may have new question: Would it be worth it (assuming you were not maxing out 401K) to invest heavily in your HSA even if there are really crappy (all active) high ER (+1%) before putting more money in the 401K? I am thinking that it m...
by MKP
Fri Oct 25, 2013 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Question
Replies: 8
Views: 784

Re: Is the small cap value premium real?

75/77 rolling periods value beats grwoth? Seems like a sure deal. Why is not everyone just betting it all on small value? Vanguard funds must not capture the premium. Small growth 11% versus small value 10% last 10 years? I doubt that the small value fund actually captures it; 36% of the fund is in...
by MKP
Fri Oct 25, 2013 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is the small cap value premium real?
Replies: 23
Views: 2869

Re: Should I Buy in this Market?

Meh, my friend said this last year. He left his money in the STB index, with new contributions going into index funds. He has made 8% ytd compared to 26% for me. His risk-aversion cost him 18% return. No one knows what the future holds....sometimes you gotta jump.
by MKP
Tue Oct 22, 2013 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Buy in this Market?
Replies: 22
Views: 3283

Re: Emerging market allocation

I guess I am in the middle of the pack at around ~7% of total portfolio.
by MKP
Tue Oct 22, 2013 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emerging market allocation
Replies: 18
Views: 2009

Re: AT&T will soon change wireless plan offerings

Based on the way cell prices are going, I may just switch back to the old days of having a very basic landline for 9.99 or less. Prices are getting really ridiculous to have this thing in my pocket bug me all day.
by MKP
Mon Oct 21, 2013 8:12 pm
 
Forum: Personal Consumer Issues
Topic: AT&T will soon change wireless plan offerings
Replies: 11
Views: 2727

Re: HDHP vs Traditional; enrollment period; time to decide

I have run many cost scenarios regarding the HDHP w/ HSA versus traditional plans and the HDHP always comes out on top on one condition: that you have the money to fund the intial deductible. A high deductible plan is not always best. It depends on your expected health care expenses. For those who ...
by MKP
Sun Oct 20, 2013 9:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Traditional; enrollment period; time to decide
Replies: 20
Views: 1794

Re: Vanguard's Old Dividend & Income Page

Does anyone else miss being able to go to a single page at the Vanguard site and seeing year-to-date income? Actually, there was a tab for taxable and a tab for non-taxable. Nowadays it just reads You have no taxable investment income for the time period selected. There's a quarterly tax summary, b...
by MKP
Sun Oct 20, 2013 11:33 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Old Dividend & Income Page
Replies: 9
Views: 1553

Re: HDHP vs Traditional; enrollment period; time to decide

Thanks soccerdad. HDHP it is then. Agree with Soccerdad as well. I have run many cost scenarios regarding the HDHP w/ HSA versus traditional plans and the HDHP always comes out on top on one condition: that you have the money to fund the intial deductible. The reason why the plan is cheaper is that...
by MKP
Sat Oct 19, 2013 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: HDHP vs Traditional; enrollment period; time to decide
Replies: 20
Views: 1794

Re: 401k contribution vs. salary increase

I am considering a job offer from a company that does not have any 401k matching. They are willing to bump up my salary to compensate for the loss of the 5% match I am currently getting. How should I figure out the salary increase so that the two situations would be about even? Assume that the sala...
by MKP
Wed Oct 16, 2013 7:09 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k contribution vs. salary increase
Replies: 8
Views: 697

Re: Short Term Bond Fund

If you are on the Fidelity platform, and looking for stock volatility "dilution" rather than income, check out FSBAX. Nothing but short duration Treasuries, at .10% ER, minimum 10k. This fund owns the entire range of duration from 6 months to five years, weighted average maturity 2.7 year...
by MKP
Mon Sep 16, 2013 9:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short Term Bond Fund
Replies: 21
Views: 2518

Re: Buying a house vs investing?

FHA is actually FAR worse then you are sharing here since the rule change: http://www.fha.com/fha_requirements_mortgage_insurance You absolutely WILL have to pay PMI regardless of downpayment. And with a 3% downpayment your PMI will be 135 basis points. That is ASTRONOMICAL. "On or after 4/1/2...
by MKP
Mon Aug 05, 2013 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a house vs investing?
Replies: 26
Views: 2768

Re: Buying a house vs investing?

YoungBoglehead wrote:Oh man. All these acronyms. I have a lot to learn.

Luckily I'm years away (I think..) from purchasing a home. Thanks for the info guys. Was just curious and wanted to learn.


Just look into PMI and UPMIP for FHA.
by MKP
Sun Aug 04, 2013 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a house vs investing?
Replies: 26
Views: 2768

Re: VG Int-Term Bond [Index] vs Total Bond [Index]

I completely agree with the above and hold VBIIX. I want Bonds not MBS. I understand they are similar-but they are not the same. If I want to add MBS I can buy the GMNA fund.
by MKP
Sat Aug 03, 2013 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Int-Term Bond [Index] vs Total Bond [Index]
Replies: 6
Views: 900

Re: Buying a house vs investing?

With FHA you still have to pay PMI with a 3% down payment. That will increase your effective interest rate quite a bit (apprximately $300/month on 300K). You will pay this until you have paid off at least another 17% of the balance of your mortgage, which would be in month 100 assuming no large hom...
by MKP
Sat Aug 03, 2013 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying a house vs investing?
Replies: 26
Views: 2768

Re: Buying a house vs investing?

Im actually trying to purchase a home at the end of my lease (3rd quarter 2014), so I have been dealing with these same questions. Next year Ill be 29, first time home buyer, with 100k in salary, and here is what I am leaning towards. Im not sure if you have looked into 203b loans yet from the FHA,...
by MKP
Fri Aug 02, 2013 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a house vs investing?
Replies: 26
Views: 2768

Re: Buying a house vs investing?

Im actually trying to purchase a home at the end of my lease (3rd quarter 2014), so I have been dealing with these same questions. Next year Ill be 29, first time home buyer, with 100k in salary, and here is what I am leaning towards. Im not sure if you have looked into 203b loans yet from the FHA,...
by MKP
Fri Aug 02, 2013 6:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying a house vs investing?
Replies: 26
Views: 2768

Re: Bonus investing

So this might be a dumb question, but how do I direct some of the bonus to max out my wife's 401k? As soon as i recieve the funds theyll be taxed. Also, if I am able to do this, I'll still have a good chunk left over and considering I only owe ~8k on the car (and am limited to a 3% return by paying...
by MKP
Wed Jul 24, 2013 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonus investing
Replies: 20
Views: 6250

Re: Thermopen

FYI-they are having an open box sale for a real good price right now. http://www.thermoworks.com/products/thermapen/splashproof_thermapen_open_box_sale_july_2013.html?utm_source=Nl-2013July9&utm_medium=email&utm_term=feature&utm_content=inbox&utm_campaign=13_summer_openbox-cs
by MKP
Tue Jul 09, 2013 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Thermapen [Cooking thermometer]
Replies: 28
Views: 2798

Re: Just Sold Out. What do you think?

The current inflation rate is low enough that waiting a while before investing isn't a huge risk. You could lose more than a year's inflation after a single week of dropping stock values. 10% drops happen almost every year and deeper ones every few years. A 10% drop is 3 year's worth of inflation a...
by MKP
Tue May 14, 2013 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just Sold Out. What do you think?
Replies: 95
Views: 7694

Re: Investment versus Debt Payoff Question

Hi all, I am an early investor with a lot of debt. Below is my current situation Debt Student Loans --98k at 3.25% and another at 60k at 6.125% House--280k at 4.875% (valued at 310k, about 3 years into a fixed 30--my currently payment is above the minimum, paying 13 months in 12 months) Car--14k at...
by MKP
Sun May 12, 2013 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment versus Debt Payoff Question
Replies: 15
Views: 1134

Re: How Much Did You Spend on Your Engagement Ring??

about $9K. I am only doing this once...
by MKP
Wed May 08, 2013 7:03 am
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 20591

Re: 401k review young professional

coolguy954 wrote:
Johm221122 wrote:For small caps you can either use mid cap index or not use them at all.
John


I was thinking in switching it to
S&P 500
MidCap
Ssga aggressive


This works per your requested allocation:

401K-
52% S&P 500
12%-SSGA Midcap Index
20%-Pimco Total Return

Roth-
16% Total International
by MKP
Mon Apr 29, 2013 7:41 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k review young professional
Replies: 7
Views: 578

Re: Can You Ace FINRA's Financial Literacy Quiz?

I am an accountant-dont know if that helped.

You scored 100% on this test.
You answered 15 of 15 questions correctly.
by MKP
Sun Apr 28, 2013 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: Can You Ace FINRA's Financial Literacy Quiz?
Replies: 111
Views: 6248

Re: Goofed up; let it ride or sell at loss?

If you were so scared of sequestration that you went heavy into gold, why would you change now? It seems like running from one side of the boat to the other. If you sell the gold at a loss and put everything into the stock market, what are you going to do next year if gold is $2000 and the stock ma...
by MKP
Fri Apr 19, 2013 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Goofed up; let it ride or sell at loss?
Replies: 21
Views: 2844

Re: How do I tell how I am doing? (and general advice)ll tax

First of all, you're doing great. You have more than I did at age 28; now, at age 33, my portfolio is mid-six-figures. You're well on your way to that or more. Just keep saving, investing, maxing tax advantaged space and you're set. Second, in my experience Mint does a terrible job tracking investm...
by MKP
Wed Apr 17, 2013 7:22 am
 
Forum: Investing - Help with Personal Investments
Topic: How do I tell how I am doing? (and general advice)
Replies: 25
Views: 3088

Re: current ibond rate

Personally, I plan to hold until December this year, since I don't want the expected May rate of under 1% (assuming there are no big surprises in March CPI) for 6 month. OTOH, I plan to buy some EE bonds in April that I plan to keep for 20 years. you cant do that. they have to be held at least a ye...
by MKP
Mon Apr 15, 2013 7:40 am
 
Forum: Investing - Theory, News & General
Topic: current ibond rate
Replies: 15
Views: 2545

Re: What level of detail do you budget to?

I actually make a forecast. Budgets are great if you really want to control spending, but if your spending is relatively controlled, I think forecasts can be more useful. Each month, I know what I will make in pay and I know the fixed expenses (mortgage, phone, utilities, etc) So here is what to do:...
by MKP
Thu Apr 11, 2013 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What level of detail do you budget to?
Replies: 66
Views: 4814

Re: Max Out New Roth IRA or Pay Off Loan with 7.25% Interest

A ROTH Account is supposedly for a lifetime. One hopes that they can get a certain annualized yearly return over a course of, let's say, 30 years. That means if one hopes to get an annualized return of 7% (look at The STAR Fund as an example from its inception which is much higher return) then mone...
by MKP
Thu Apr 11, 2013 7:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Max Out New Roth IRA or Pay Off Loan with 7.25% Interest
Replies: 22
Views: 3399

Re: Portfolio Configuration for New Investor Age 27

how about you dont contribute to the Roth and put it in the 401K and get a nice tax break. 28% is pushing the limits on being useful for a Roth-you can always convert later when your rate is lower.
by MKP
Sat Apr 06, 2013 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Configuration for New Investor Age 27
Replies: 12
Views: 883
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