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Re: If Not TurboTax, What?

Anyone else tried olt.com?

I've been using them the last couple years without any issues.

$7.95 each for fed & state returns.

Not too shabby.
by Placenshow
Sat Jan 04, 2014 7:54 am
 
Forum: Personal Finance (Not Investing)
Topic: If Not TurboTax, What?
Replies: 143
Views: 13423

Morningstar X-ray

When reviewing your data from the Morningstar X-ray tool, what areas of the report do you tend to focus on the most and give the most credence to? AA, style boxes, ROA, ROE, Projected EPS Growth, etc.

Just curious to learn how others use the report...nothing more.

Take care,
Bryan
by Placenshow
Wed Nov 20, 2013 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar X-ray
Replies: 22
Views: 2883

Re: re: guys one more question on Las Vegas hotel

Best value in Vegas IMHO is Sam's Town....hands down.
by Placenshow
Mon Sep 30, 2013 7:35 am
 
Forum: Personal Consumer Issues
Topic: Prices changed as I was going to make Las Vegas reservation.
Replies: 18
Views: 1956

Re: re: Suggestions for Las Vegas

If you're in Vegas for the lights and glitz, stay on the strip. If you enjoy gambling and want to feel like you have a chance to win some money, visit the casino's downtown or ones off the beaten path. My wife and I have had our best luck at Main Street Station, Terribles, and Sam's Town. Anyone see...
by Placenshow
Tue Sep 10, 2013 8:03 am
 
Forum: Personal Consumer Issues
Topic: re: Suggestions for Las Vegas
Replies: 44
Views: 4538

Re: Estate Planning Attorneys

I'd like to piggyback off this email and look for similar recommendations in the Mpls/St. Paul area.

Private messages as well please.

Thanks!
by Placenshow
Tue Feb 05, 2013 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Attorneys
Replies: 11
Views: 1300

Re: Why would anybody use Turbotax?

Do yourself a favor and check out http://olt.com

Only $7.95 each for state & federal
by Placenshow
Thu Jan 31, 2013 1:30 pm
 
Forum: Personal Consumer Issues
Topic: Why would anybody use Turbotax?
Replies: 111
Views: 12012

Re: 100% stocks 'emergency fund'?

Should peace of mind ever enter into the equation? I've always thought that once your emergency account is funded, it's time to start investing for the long-term, and those long-term investments can be tapped in the event of a major crisis. Having an emergency fund gives you some flexibility in deci...
by Placenshow
Fri Dec 07, 2012 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: 100% stocks 'emergency fund'?
Replies: 24
Views: 2691

Re: Vacation to Washington DC

Thanks Suzy....the way it stands now, we are looking to visit in early June when the Twins are in town to play the Nationals.
by Placenshow
Wed Nov 28, 2012 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Vacation to Washington DC
Replies: 44
Views: 2912

Re: Vacation to Washington DC

Thanks again everyone for the great suggestions....I knew I came to the right place for answers.

I've found a couple interesting AIRBNB options that have had tons of great reviews and much much cheaper than a hotel.
by Placenshow
Wed Nov 28, 2012 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Vacation to Washington DC
Replies: 44
Views: 2912

Re: Vacation to Washington DC

Thank you to everyone for your recommendations and insight.
by Placenshow
Mon Nov 26, 2012 10:56 pm
 
Forum: Personal Consumer Issues
Topic: Vacation to Washington DC
Replies: 44
Views: 2912

Re: Vacation to Washington DC

Thanks for the responses...my original post has been edited with correct info.

While in DC, we plan to hit the museums, White House, Mall, etc. and will likely take the Amtrak up to Baltimore one day to see the Twins & Orioles play.
by Placenshow
Mon Nov 26, 2012 3:23 pm
 
Forum: Personal Consumer Issues
Topic: Vacation to Washington DC
Replies: 44
Views: 2912

Vacation to Washington DC

Good afternoon, We are planning a family vacation (kids ages 9 & 12) to Washington DC in early April 2013 and I'm looking for helpful recommendations on reasonable lodging close to Ronald Reagan Washington National airport (DCA). We are tentatively looking at Hampton Inn & Suites @ $175 nigh...
by Placenshow
Mon Nov 26, 2012 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Vacation to Washington DC
Replies: 44
Views: 2912

Re: New Account, Overthinking It

I'm a big fan and a practicing "Three-Fund" kind of guy but when you look at the M* chart on the link attached comparing the 3-funds to the PP, it appears we are lagging behind quite a bit. Am I missing something or do I just keep the blinders on and continue forward with the three fund ap...
by Placenshow
Sat Oct 27, 2012 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: New Account, Overthinking It
Replies: 29
Views: 1865

Re: Am I on the right track?

Vanguard does offer a Small Cap Value Index but the ER is .34% compared to .24% ER for Small Cap Growth....I was looking for the cheaper fund. In your opinion, would you even bother with the 10% allocation to small cap value or just push forward with the Total Stock Market fund I already have establ...
by Placenshow
Tue Oct 23, 2012 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Re: Am I on the right track?

I have the following plan currently set-up. 40% - Fidelity Spartan Total Stock Market Index .10% ER 25% - Vanguard Total International Stock Market Index Admiral .18% ER 25% - Spartan US Bond Index .22% ER 10% - Vanguard REIT Index .24% ER I'm thinking of tweaking it a bit to the following....do you...
by Placenshow
Tue Oct 23, 2012 7:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Re: Las Vegas Trip

I'm more of a downtown Vegas guy myself....Golden Nugget, Freemont, California, etc.

I second the motion on getting a car, so much more convenient thatn cabs/buses and very reasonably priced.

Sign up for each Casino's rewards card....free stuff is fun.

Good Luck
by Placenshow
Mon Oct 22, 2012 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Las Vegas Trip
Replies: 56
Views: 3546

Re: Am I on the right track?

Thanks MHC.....this is my thinking as well but just nice to hear the thoughts of others.

Anyone else care to chime in?
by Placenshow
Sun Oct 21, 2012 8:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Re: Am I on the right track?

I'm back with yet another question.... My 401k match (4%) is in company stock. Is it acceptable in the Boglehead world to keep a small % of company stock as part of your overall portfolio or is the recommendation to sell and spread the $$ across my core-four family of funds? Right now, 5% of my over...
by Placenshow
Sat Oct 20, 2012 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Re: Am I on the right track?

Thanks again....helpful as always.
by Placenshow
Thu Oct 18, 2012 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Re: Am I on the right track?

One last question....

Is it wise to continue forward with the Spartan US Bond Index as my only bond fund or should I add a TIPS fund to round it out?

Thanks again for your help.
by Placenshow
Thu Oct 18, 2012 7:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Re: Am I on the right track?

The reason I use a bit of FSEMX is because the M* style maps do not show much exposure to small/micro caps in FSTMX (see links below).

Am I mis-interpreting the data?

http://quote.morningstar.com/fund/f.aspx?t=FSEMX

http://quote.morningstar.com/fund/f.aspx?t=fstmx
by Placenshow
Mon Oct 15, 2012 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Re: Am I on the right track?

After some final tweaking, I've now finally set out on the path below and look forward to many years of worry free investing. With the funds listed below, my overall ER is .15%....not too shabby. 35% - Fidelity Sparton Total Stock Market Index .10% ER 30% - Vanguard Total International Stock Market ...
by Placenshow
Mon Oct 15, 2012 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Re: rethinking bond allocation

Based on your analysis above, does FBIDX (Spartan US Bond Index) warrant consideration?
by Placenshow
Fri Oct 05, 2012 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: rethinking bond allocation
Replies: 14
Views: 1126

Re: Am I on the right track?

Thanks for your input & guidance.

Due to where our money is and for the ease of getting the allocation %'s lined up, I think we're going to use Spartan US Bond Index (FBIDX) instead of Vanguard Intermediate Bond (VBIIX). The ER is a wash.

Any issues with this switch?
by Placenshow
Wed Oct 03, 2012 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Re: Am I on the right track?

No reason other than ignorance with respect to my overweighting mid/small cap index. Looking at "Core Four" with a sprinkling of mid/small exposure, how does this look? 35% Fidelity Total Stock Market Index (FSTMX) .10% 25% Vanguard Total International Stock Index (VGTSX) .22% 20% Vanguard...
by Placenshow
Wed Oct 03, 2012 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Re: Am I on the right track?

These were the only two index funds offered in my 401(k). From prior posts, it looks like I have this a bit out of whack.

Am I OK to go 80/20 split in favor of Total Market (FSTMX) or should I have 100% in Total Market.

Thanks again.
by Placenshow
Tue Oct 02, 2012 8:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Re: Am I on the right track?

One more update on my end, it appears I'm in the 15% federal tax bracket instead of the 25% I listed above. Does this change how I should allocate going forward.

Again, thanks for your help.
by Placenshow
Tue Oct 02, 2012 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Re: Am I on the right track?

Sorry about the percentages.

For my entire portfolio, this is the breakdown:

32% Fidelity Extended Market Index (FSMEX) .10%
32% Fidelity Total Maker Index (FSTMX) .10%
18% Vanguard Intermediate Bond Index (VBIIX) .22%
18% Vanguard Total International Stock Index (VGTSX) .22%
by Placenshow
Tue Oct 02, 2012 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

Am I on the right track?

Emergency funds: Yes Debt: Mortgage only ($140K, 13 years left @ 3.75%) Tax Filing Status: Married Filing Jointly Tax Rate: 15% State of Residence: MN Age: 39 Desired Asset allocation: 80/20 Desired International allocation: 20-25% Current total portfolio: Closing in on six figures Current retiremen...
by Placenshow
Tue Oct 02, 2012 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?
Replies: 33
Views: 2806

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