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Re: Student Loan vs 401k dilemma

I'd say it matters little in this situation. Starting 401k contributions now or six months from now... pfft, not worth worrying about to me. Total interest left to pay on a low rate $9000 balance... pfft, not worth worrying about to me either. How about doing both? Take what you would contribute to ...
by Twins Fan
Sat Sep 20, 2014 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loan vs 401k dilemma
Replies: 17
Views: 1143

Re: Sale of a home between boyfriend and girlfriend.

I saw reference to her not bringing that much in but what she brought in was responsibility for the mortgage and I bet if there had been a real estate decline and the house was under water the boyfriend wouldn't be clamoring to share in the loss in fact he'd probably be long gone with nothing the o...
by Twins Fan
Sat Sep 20, 2014 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 56
Views: 3145

Re: Sale of a home between boyfriend and girlfriend.

I see all kinds of issues and who knows how it would go legally. My take on it though... Sounds like THEY went in on this together. Yes, HER name on the mortgage, title, and all. But, if they could have gone in on this together they would have, so... The deal about him being a renter doesn't fly wit...
by Twins Fan
Sat Sep 20, 2014 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 56
Views: 3145

Re: Where do I put my cash now?

JKPS wrote:The stock markets have been soaring for a while, and the pundits have been predicting a correction. Yet, I have not seen one yet.


What does that tell you about the pundits and their predictions?

As we like to say around here, tune out the noise.
by Twins Fan
Wed Sep 17, 2014 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 23
Views: 2515

Re: Help w/ Wife's Poor 401k Options

Just use the Spartan funds and add more bonds/fixed income in another account. Do you have a 401k with good bonds/FI options?
by Twins Fan
Wed Sep 17, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ Wife's Poor 401k Options
Replies: 8
Views: 548

Re: Is this an exception to buying Mortgage Points?

Sounds like it could be the rebate/refund/cover closing costs deal where the more they cover the higher the rate. They get their money somehow. :D If you plan to stay for decades, I.E. until it's paid off or almost paid off, the lowest rate is probably the best way to go. Although, there's not a hug...
by Twins Fan
Wed Sep 17, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this an exception to buying Mortgage Points?
Replies: 18
Views: 1495

Re: Two Fund real Lazy Portfolio?

Johm221122 wrote:"150 portfolios better than yours"
viewtopic.php?f=10&t=131471

John


I basically have #1 and cash from the list of 150. I'm very lazy. :D
by Twins Fan
Fri Sep 12, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 36
Views: 4431

Re: Angry when stock market is down

Don't waste your keystrokes, y'all. Different keystrokes are for different folks. There are many other readers apart from the OP. Victoria Then they will probably come across any number of Newb's threads about getting emotional during minor market fluctuations... or, they can start their own thread...
by Twins Fan
Fri Sep 12, 2014 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 3980

Re: Angry when stock market is down

Don't waste your keystrokes, y'all.

Newb is angry with the stock market now and Newb wasn't happy with the stock market last year...

viewtopic.php?f=1&t=117958&p=1720559#p1720559

Nothing Newb hasn't been advised about before. :oops:
by Twins Fan
Fri Sep 12, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 3980

Re: Roth Question

I don't know that I would look at tax credits as a "return", but lowering the tax liability for yourself is a good thing. I'm not sure what you're asking... Are you asking if you should continue to try and max. or increase 401k contributions, or fill some Roth space? That is a situational ...
by Twins Fan
Thu Sep 11, 2014 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Question
Replies: 10
Views: 1116

Re: 100% Small and Value Tilting

I'm fully aware of the risks involved but have never seen such a thing advocated on here for long investment horizons (40+ years)? I like to call that a clue. :D I kid... but, what purpose are you thinking of the potential portfolio... maximum return? Then why go with index funds? Instead of thinki...
by Twins Fan
Thu Sep 11, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Small and Value Tilting
Replies: 72
Views: 4375

Re: New Roof Needed Soon... Advice?

Growing up in MN, I remember cleaning out my grandma's gutters when she let them go for too long... gross and stinky! :annoyed That was an older house in Minneapolis. My parent's house was built in the '70s, in the 'burbs, and did not have gutters. I don't know the answer there... maybe that changed...
by Twins Fan
Thu Sep 11, 2014 9:00 pm
 
Forum: Personal Consumer Issues
Topic: New Roof Needed Soon... Advice?
Replies: 48
Views: 2977

Re: Is it safe to pay down rental property?

You're doing much better than I am equity wise then. :sharebeer I used to pay $400/month out of pocket for the mortgage on mine after rent received. Talk about cash flow.. :shock: I was finally able to refinance and the situation improved for me. Hopefully jimbfromatl will chime in here. He lays out...
by Twins Fan
Thu Sep 11, 2014 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to pay down rental property?
Replies: 12
Views: 857

Re: Is it safe to pay down rental property?

You haven't answered for us if you want to keep the rental long term, or would rather sell. If you want to keep it long term, don't worry too much about immediate cash flow. For those of us that became accidental landlords, like me, it's going to take some time to really see the benefit of owning a ...
by Twins Fan
Thu Sep 11, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to pay down rental property?
Replies: 12
Views: 857

Re: How well do you understand retirement finance?

What if I have no 401k available? Although, I have a 457b gov't plan and I'm pretty confident of those rules. It is situational for sure. Maybe "401k or similar" should be used... Because of my situation, I will be in the SS windfall category someday. No matter how many times I read that i...
by Twins Fan
Thu Sep 11, 2014 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: How well do you understand SS and tax-deferral issues?
Replies: 16
Views: 853

Re: Is it safe to pay down rental property?

But I also added a new roof, this year, which cost me $5,900. So I am at a loss this year. Yes and no... Sure, that was a bill for you this year. But, you get to claim that as depreciation (assuming replacement here) each year... over, I would have to look up for a roof, but, 15 - 20 years. The tim...
by Twins Fan
Thu Sep 11, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to pay down rental property?
Replies: 12
Views: 857

Re: Is it safe to pay down rental property?

Very true about the "breaking even" part... I was thinking that also. OP, you need to look at more than just the monthly in/monthly out here. You're going to have a tax and insurance payment with or without the mortgage and those are deductions anyway. With the deductions, depreciation, an...
by Twins Fan
Thu Sep 11, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to pay down rental property?
Replies: 12
Views: 857

Re: Is it safe to pay down rental property?

Couple questions... Are you maxing all tax advantaged saving/investing space? Do you plan to keep the rental long term, or sell soon (within say 5 years)? A housing value crash would only matter if you wanted/needed to sell at that time. I don't recall rent amounts crashing. :happy I also have a ren...
by Twins Fan
Thu Sep 11, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to pay down rental property?
Replies: 12
Views: 857

Re: Vanguard S&P 500

Why haven't you done this before, why now? :P I will probably be one of only a few,... but, personally I say leave it as is and keep buying the S&P 500 fund. Total stock, or a mimic of, might over perform or under perform the S&P 500 in a period of time, but they will be pretty darn close. S...
by Twins Fan
Sun Sep 07, 2014 8:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard S&P 500
Replies: 7
Views: 1093

Re: Roth IRA Question

Welcome and good job starting young! Open a Roth IRA with Vanguard and transfer any funds there, then close the Wells Fargo account. Much lower fees/ERs and no load fees. We need to know more about what you're invested in, in the 401k to give any advice. Does "fairly aggressive mutual funds&quo...
by Twins Fan
Sun Sep 07, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Question
Replies: 6
Views: 574

Re: Bonus - Where to apply it?

I wouldn't do that. It just means that much longer of not contributing since you can't when a loan is out. Even with the 6.8% rate you're not looking at all that much total interest on roughly $24k left. I would just plug away and get the student loans knocked out as quick as you can. I don't think ...
by Twins Fan
Sat Sep 06, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bonus - Where to apply it?
Replies: 18
Views: 1569

Re: What is the expected return of this portfolio over 50 yr

No one has a crystal ball. But we all need to plan for the future. In that spirit, what would you guesstimate the avg. annual returns over a very long investment horizon of the following portfolio ? US Total Stock Index: 30% International Developed Index: 9% Emerging Markets Index: 9% US REIT Index...
by Twins Fan
Sat Sep 06, 2014 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: What is the expected return of this portfolio over 50 yrs
Replies: 21
Views: 1168

Re: Equities in tax-advantaged = bad?

You don't pay a separate capital gains tax on tax deferred withdrawals someday. You simply pay your tax rate at the time.
by Twins Fan
Fri Sep 05, 2014 10:33 pm
 
Forum: Investing - Theory, News & General
Topic: Equities in tax-advantaged = bad?
Replies: 11
Views: 801

Re: Question on Buffet's recent investment advice

I liken it to Mr. Buffett saying in the past, invest most in stocks and keep enough cash on had to be comfortable. Or, something along those lines... For many regular folks out there, I think holding the enough for comfort in a high yield savings account is fine. Compare those to most of the short t...
by Twins Fan
Fri Sep 05, 2014 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Buffet's recent investment advice
Replies: 8
Views: 1729

Re: Guidance moving to Seattle

Depends what you consider fun... I agree with toblerone about Cap Hill, Freemont, and Green Lake. Lots of stuff within walking distance in those areas and bus routes going to downtown. I wouldn't want to live in Belltown either. Some nice places/buildings, but too close to downtown and those issues....
by Twins Fan
Fri Sep 05, 2014 10:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guidance moving to Seattle
Replies: 21
Views: 1928

Re: Portfolio help. How should I invest the cash in my Roth

Transfer the Roth accounts to Vanguard. Paying any transaction fees in a Roth is silly. You could simply hold whichever target date retirement fund you like in each account since you have access to them. Too easy. The Institutional Index fund in your 401k is an S&P 500 fund I believe. All of tho...
by Twins Fan
Fri Sep 05, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help. How should I invest the cash in my Roth IRA?
Replies: 4
Views: 533

Re: Best use of tax-deferred space

I took it to mean the wife had a 401k or similar that contributions stopped when she stopped working there.
by Twins Fan
Fri Sep 05, 2014 1:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Best use of tax-deferred space
Replies: 14
Views: 1377

Re: Equities in tax-advantaged = bad?

Yes,... but only after filling all tax advantaged space. :wink: A Roth IRA gives even better results since gains aren't taxed, but there's a small'ish limit for contributions. Then there are Roth 401k and similar also. Letting pre-tax contributions grow for years has advantages also. Depends on the ...
by Twins Fan
Fri Sep 05, 2014 12:07 am
 
Forum: Investing - Theory, News & General
Topic: Equities in tax-advantaged = bad?
Replies: 11
Views: 801

Re: Best use of tax-deferred space

Tax-deferred, liquid investments, tax advantaged.... your post isn't very clear. Either way, at 15% of the total investments I'd say holding bonds there doesn't matter a whole lot for your situation. Your taxable account(s) seem to dwarf the tax advantaged. Also, in a divorce (IF) her small not bein...
by Twins Fan
Thu Sep 04, 2014 11:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best use of tax-deferred space
Replies: 14
Views: 1377

Re: Contributing too much to 457?

[OT comments removed by admin LadyGeek]

$300 left over at the end of the month is not breathing room to me, let alone "a lot of breathing room". JMHO :wink:
by Twins Fan
Wed Sep 03, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Contributing too much to 457?
Replies: 13
Views: 999

Re: Modulating The Larry Portfolio

I suppose this is really the same thing as having a 3-fund portfolio and then tilting to SV. I'm just proposing to look at it from the other direction. You start of with the LP and are not quite ready/able/willing to go for it whole hog ... so what is the best way to "chicken out" from a ...
by Twins Fan
Wed Sep 03, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Modulating The Larry Portfolio
Replies: 34
Views: 2263

Re: Is now a good time to buy bonds?

My previous question was why I should invest in bonds. I read and evaluated various opinions and decided to dip my toes in bonds, which raised the question whether now is the right time to buy bonds, given that bonds go in the opposite direction of interest rates. When would you call it the right t...
by Twins Fan
Wed Sep 03, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Is now a good time to buy bonds?
Replies: 18
Views: 1910

Re: Contributing too much to 457?

If you're saving to the point of feeling deprived, I think that's too much. JMHO

You guys are still young and have plenty of time. Great job getting after it so early! But, give yourselves some breathing room. I like Grt2b's idea of cut back and then build back up.
by Twins Fan
Wed Sep 03, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Contributing too much to 457?
Replies: 13
Views: 999

Re: Assest allocations with a pension, help

There are plenty of opinions out there about what AA someone should have with a pension planned for, and good cases made for each really. I also have a governement job, contribute to a state pension plan, and look forward to that as part of my plans. We can all wonder about pensions in the future un...
by Twins Fan
Wed Sep 03, 2014 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Assest allocations with a pension, help
Replies: 16
Views: 957

Re: downpayment .. now or next year ?

Depending on how soon you closed you likely wouldn't have a mortgage payment until November, or maybe December if closing was delayed. So, you're looking at one or two mortgage payments this year. Then it depends on what mortgage product you got, but likely not much mortgage interest paid this year ...
by Twins Fan
Wed Sep 03, 2014 7:29 am
 
Forum: Personal Finance (Not Investing)
Topic: downpayment .. now or next year ?
Replies: 8
Views: 813

Re: Best AA? (3fund vs Slice n Dice vs only Balanced Funds v

Best?... The one that makes you stop doing this... I'm thinking of switching my retirement portfolio to ... You seem to be suffering from information overload. There are countless portfolios out there. Some will do better over a period of time, but that doesn't mean they will continue to be better. ...
by Twins Fan
Wed Sep 03, 2014 7:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Best AA? (3fund vs Slice n Dice vs only Balanced Funds vs ?)
Replies: 5
Views: 427

Re: Debt Payoff Strategy

You basically could look at loan 1 - 4 as one loan, and a don't want to do the math but 6.65 (?) rate, with those similar interest rates. Any savings to be had by trying to figure size of loan and rates so similar will probably be not enough to even worry about. Even with the higher rates, the small...
by Twins Fan
Tue Sep 02, 2014 5:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debt Payoff Strategy
Replies: 8
Views: 764

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

Plus, in the OPs scenario I took it to mean they used the proceeds to pay cash for the next home anyway. So, the mortgage rate deal brought up is likely moot.
by Twins Fan
Tue Sep 02, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 42
Views: 3656

Re: Debt Payoff Strategy

Since loans 1 - 4 have very similar or the same interest rates, I'd say it matters little if you go smallest to biggest or biggest to smallest. If it were me, I would knock out the small one first and then go after the others one at a time. Looks like it would only take a couple/few months to get th...
by Twins Fan
Tue Sep 02, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debt Payoff Strategy
Replies: 8
Views: 764

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

"Never"?... might want to check your facts there. :wink:
by Twins Fan
Tue Sep 02, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 42
Views: 3656

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

This looks too easy. What's the catch (if you're single, no kids)? Sure, so does investing in penny stocks if you just look at the winners. :D It would be easy... except you have no control over the housing market and appreciation. Others have hit all the main points. I will add on to the timing th...
by Twins Fan
Tue Sep 02, 2014 10:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 42
Views: 3656

Re: Why is The Suze Orman Show showing repeats?

Dutch wrote:Who cares?


Agreed.

[OT comments removed by admin LadyGeek]
by Twins Fan
Tue Sep 02, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: Why is The Suze Orman Show showing repeats?
Replies: 20
Views: 2512

Re: Shorten Mortgage or 401K or something else

If you plan to throw a bunch of money at the mortgage anyway, you can knock your 30 year mortgage down to basically a 20 year mortgage or less, save a bunch in interest, and keep the lower payment of the 30 year. Might end up being not all that much difference in total interest also. Mess around wit...
by Twins Fan
Mon Sep 01, 2014 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Shorten Mortgage or 401K or something else
Replies: 15
Views: 1059

Re: Shorten Mortgage or 401K or something else

2. Re-finance to a 20 year loan. Our monthly payment will be ~$400/month higher compared to our current 30 year loan ( after building 20% equity in the house which we hope we can build after selling stock options + tax return ( tax return of ~$12-14K next year return ) by Feb 2015 , our monthly pay...
by Twins Fan
Mon Sep 01, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Shorten Mortgage or 401K or something else
Replies: 15
Views: 1059

Re: I'd buy an S&P 500 index fund in a pinch

So, not much difference between all in the 500 and 80/20 in the 500/EM then... thanks. :wink:

I don't obsess over the slight difference between the 500 and total market or slight differences in ERs. I'm just that simple. :happy

To each their own though.
by Twins Fan
Sun Aug 31, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5666

Re: Do you have class?

First, the title of this thread is horrible. What does that even mean? Then as others have pointed out, rkatz, you are one of many in Bogleheads that have CCs and pay them off monthly/don't carry a balance. There's your peers... Although most probably don't have nine CCs. I'm not sure what you mean ...
by Twins Fan
Sun Aug 31, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have class?
Replies: 15
Views: 1607

Re: Seeking wisdom and guidance

Doesn't look bad at all... should be an easy transition for you. Your IRA is too splintered for my liking. Maybe the same TR fund you have in the 401k? Can her IRA be transferred to Vanguard? As you know, you can have much lower ER target date funds there. Personally, I would say go all target date ...
by Twins Fan
Sat Aug 30, 2014 1:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking wisdom and guidance
Replies: 10
Views: 1005

Re: I'd buy an S&P 500 index fund in a pinch

I regard S&P 500 and Total Stock Market as interchangeable in my asset allocation. The complexity of trying to complement it with an extended market fund just isn't worth the trouble. Funny you think 2.6% return annually over 10 years "isn't worth the trouble." And, that additional re...
by Twins Fan
Sat Aug 30, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5666

Re: Mortgages and financial freedom

Personally I think a lot of people are living in the high interest past. Personally I think you could say the same about people living in the high return past. Something rarely brought up in these discussions is predicted returns going forward. True, no one can tell the future. But, most things poi...
by Twins Fan
Thu Aug 28, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 6848

Re: Mortgages and financial freedom

Personally I think a lot of people are living in the high interest past. Personally I think you could say the same about people living in the high return past. Something rarely brought up in these discussions is predicted returns going forward. True, no one can tell the future. But, most things poi...
by Twins Fan
Thu Aug 28, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 6848
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