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Re: Why 529 plan makes any sense??

Why not taxable before 457b? Private sector 457b seems like it has too many downsides.
by am
Wed Mar 25, 2015 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why 529 plan makes any sense??
Replies: 119
Views: 4102

Re: Should I invest my emergency fund?

I wonder whether we would have such a discussion if there was a bear market?
by am
Sun Mar 22, 2015 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 5784

Re: Economist Article on role of government bonds

Stocks have lost >50% of their value just recently. If you Invest in high quality short to intermed. Bonds, they will always serve as a shock absorber.
by am
Sat Mar 21, 2015 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Economist Article on role of government bonds
Replies: 10
Views: 1375

Re: Route to an $8 Million Portfolio Started With Frugal Liv

Agree interesting. But invested in individual stocks including Lehman. Not really Boglehead.

Do not think bogleheads have been around long enough to have a similar type of story? Anyone here of modest means invested in Vanguards S&P 500 fund since inception and is now wealthy beyond belief?
by am
Sat Mar 21, 2015 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Route to an $8 Million Portfolio Started With Frugal Living
Replies: 31
Views: 4855

Re: "6 Lessons From the 6-Year-Old Bull Market"

Nice article. Stick to an allocation through thick and thin. Market is unpredictable both in which way it goes and for how long.
by am
Sat Mar 14, 2015 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: "6 Lessons From the 6-Year-Old Bull Market"
Replies: 11
Views: 2738

Hsa bank trustee transfer question

I requested a trustee to trustee transfer from my old Hsa account to HSA bank at the end of Jan. My old trustee disbursed the final check on Feb 26. Hsa bank has not applied the funds to my new account. When I call them they are not helpful and tell me to keep waiting. Is this a normal time frame or...
by am
Wed Mar 11, 2015 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Hsa bank trustee transfer question
Replies: 1
Views: 153

Re: How do you watch TV differently after "cutting the cable

Unfortunately more tv because With Netflix, I actually find stuff I like to watch without annoying commercials. I have gotten hooked on multiple series like Breaking bad, prison break, dexter, etc. I occasionally watch documentaries and movies which if I am not into as much are casual watching and I...
by am
Sun Mar 08, 2015 4:03 pm
 
Forum: Personal Consumer Issues
Topic: How do you watch TV differently after "cutting the cable"?
Replies: 23
Views: 2187

Thinking of buying electric shaver

I have been using Gilette Mach 3 for years and like the close shave. I do not Iike the cost of replacing cartridges and occasionally the razor itself. Can anyone recommend an electric shaver? Have you found it to give as close and comfortable a shave as the Gillette razors? Do electric shavers resul...
by am
Sun Mar 08, 2015 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of buying electric shaver
Replies: 29
Views: 1738

Re: How is Your Pension Counted when Calculating Net Worth.

Can most pensions be cashed out before retirement age? My state pension can since I no longer work there. I can roll over my lump sum into an IRA at Vanguard. Despite all the reforms that have been discussed. I believe this lump sum refund is safe. I like to track networth to keep up with my progres...
by am
Sun Mar 08, 2015 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How is Your Pension Counted when Calculating Net Worth.
Replies: 40
Views: 2841

Re: How is Your Pension Counted when Calculating Net Worth.

I have the option to get an annuity at 62 or receive a lump sum at any time. This lump sum is (interest+contributions)*2. So I include the lump sum in my net worth because this is what I would get at the time of calculation. I do not however include this in my asset allocation since I can not manage...
by am
Sun Mar 08, 2015 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: How is Your Pension Counted when Calculating Net Worth.
Replies: 40
Views: 2841

Re: Read WSJ every day ?

You can get amazing deals on wsj subscriptions through ebay.
by am
Sat Mar 07, 2015 9:57 am
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 101
Views: 6564

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

Short term noise which does not matter. But it is kind of perverse that market goes down on such upbeat data. So fed will raise rates a quarter of percentage point or so, so what? This is still far from normal rates and will likely have 0 impact on anything. It is fun to have the market near record ...
by am
Sat Mar 07, 2015 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4244

Re: Help with 457 Options

You should take a look at how well your pension fund is funded before treating it like a bond. In my state, the current attempts at reform may one day leave me a fraction of what was promised to me. I therefore leave my pension out of the equation for calculating my "number". Whatever I ge...
by am
Thu Mar 05, 2015 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 457 Options
Replies: 4
Views: 322

Re: In what form do you keep your emergency fund?

Part of the reason why we are discussing what to do with emergency funds is the terribly low yields. I had no problem keeping it all in money market in 2007 when yields were 5%! Now you get 1% for fully safe and liquid savings account. Really stinks to have 100k sitting making this for my emergency ...
by am
Thu Mar 05, 2015 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: In what form do you keep your emergency fund?
Replies: 96
Views: 21462

Re: Has anyone ever voluntarily downsized their job?

I am thinking about it. I am a MD radiologist with 9-10 hour days glued to a chair + 1 hr commute. Volume quotas, constant interruptions, calls til 11 pm every 7th day and 3-4 th weekend with even higher workload. Have 8 weeks off but this does not help with stress and unhealthy lifestyle when I am ...
by am
Sun Mar 01, 2015 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 2847

Re: International PE10 Update

kind of surprised to see so many threads on here about chasing hot assets and dropping cool ones over the years. I can only imagine what the unsophisticated investor does...
by am
Sat Feb 28, 2015 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: International PE10 Update
Replies: 28
Views: 2738

Re: HSA: spend or invest?

If you pay out of pocket for medical costs and save HSA money for the future, are you not essentially overpaying for services by your bracket? I am sure that at some point I will go from 33% bracket to less. Does it make more sense for me to use my HSA funds for medical expenses?
by am
Sat Feb 28, 2015 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 20
Views: 1984

Re: Vanguard brokerage tax forms changed to late Feb. questi

It is one thing to promise the forms relatively late but changing the promised delivery to late Feb is what gets me upset. Now I hesitate to reschedule my appointment because what if promise changes to early March. This makes it very difficult for busy professionals with a tight schedule. Next year ...
by am
Sat Feb 14, 2015 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 93
Views: 7420

Vanguard brokerage tax forms changed to late Feb. question

Vanguard has changed the 1099 brokerage tax forms availability from mid to late Feb. I have an appointment with my accountant to do personal and business taxes next Sun 2/22. Accountant is real busy and he may not have any openings available in March. Are these forms essential or can I still go in w...
by am
Sat Feb 14, 2015 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 93
Views: 7420

Re: College savings costs / number

Agree that current tuition inflation is not sustainable and will reach a breaking point. This is especially true for non top tier schools. The value is not there for most kids at most schools. And nothing wrong or suboptimal going to a public university particularly if other choices are non IVY, MIT...
by am
Thu Feb 12, 2015 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 6718

Re: Bogglehead Career Advice

MD here. Given you are personable and like dealing with people, I think being a physician assistant may be something you would want to look into. Much less cost and time than being a physician, many specialties to choose from, better hours, much less liability, strong demand, pay is not too far off ...
by am
Thu Feb 12, 2015 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogglehead Career Advice
Replies: 42
Views: 3107

Re: My co. is switching HSA providers; Is HSA Bank best?

You can do HSA transfers between custodians multiple times each year. Roll overs where you get a check in hand to send to the new custodian can only be done once.
by am
Mon Feb 09, 2015 8:57 am
 
Forum: Investing - Theory, News & General
Topic: My co. is switching HSA providers; Is HSA Bank best?
Replies: 16
Views: 1224

Re: Paying off $1 million house in 10 years

I vote for buying a more affordable house with lower taxes, lower upkeep and lower utilities. I read that 90% of millionaires live in houses that cost less than 1 million.
by am
Sun Feb 01, 2015 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off $1 million house in 10 years
Replies: 22
Views: 3098

Re: Mistake on W2 question

I just tell my employer to withdraw a percentage each pay period which leads to 17500k over 26 pay periods. Is it not their responsibility than to make sure that I reach the max for the year and have my W2 say 17500k. Seems to me like it is their mistake.
by am
Sat Jan 31, 2015 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mistake on W2 question
Replies: 17
Views: 993

Re: Mistake on W2 question

Shouldn't my W2 for the 401k say 17500k for 2014 regardless of when I get paid?
by am
Sat Jan 31, 2015 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mistake on W2 question
Replies: 17
Views: 993

Re: Mistake on W2 question

I maxed out both 401k and HSA but W2 shows numbers hundreds of dollars below. Thinking they messed it up because we get payed for last week in Dec in January biweekly. Roughly how much is this mistake costing me?
by am
Sat Jan 31, 2015 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mistake on W2 question
Replies: 17
Views: 993

Mistake on W2 question

My W2 form lists 300 dollars less for 401k and 500 less for HSA than I contributed. Is this worth pursuing (33% bracket)- how much money am I losing? How long will a corrected form take typically for a big organization? We are doing taxes around Feb 24. Thanks.
by am
Sat Jan 31, 2015 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mistake on W2 question
Replies: 17
Views: 993

Non qualified 457b strategy

I am hesitant to place any money into a 457b plan mainly because it is not protected in case of bankruptcy. Although I do think chances of my employer-large dominant metro hospital going bankrupt are minimal but who knows. I currently max retirement accounts and use a taxable account for additional ...
by am
Wed Jan 28, 2015 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non qualified 457b strategy
Replies: 0
Views: 154

Re: Help!!! Dilemma on 457b

How can one assess the stability of a company? Bond ratings? I work for a major top rated health system, university, research center in a major metro which is expanding. Hard to imagine a bankruptcy. I can invest in a non governmental 457b which has excellent investment choices. I would like an earl...
by am
Sun Jan 25, 2015 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help!!! Dilemma on 457b
Replies: 10
Views: 1000

Re: Why invest in International funds? It's a mystery

Anyone know what % of international returns are a result of currency fluctuations over the long run? When we invest In international, are we placing a bet against the dollar?
by am
Sun Jan 18, 2015 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10814

Re: Why invest in International funds? It's a mystery

Every time an asset class heats up, there are countless threads that turn up. Remember gold, emerging markets, commodities of yesteryear. I just stick to my 3 funder knowing I am sticking to the plan. Although I gotta admit, I am thinking of getting a tiny speculative component to my portfolio but f...
by am
Fri Jan 16, 2015 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10814

Re: Is a Sub-4% SWR a Boglehead Quirk?

So retirement is a leap of faith for us relatively affluent Bogleheads who have more than Social security. We do not have enough data from the past and obviously no knowledge about the future to come up with an accuarate withdrawel rate. We do not know our life expectancy nor do we know the quality ...
by am
Tue Jan 13, 2015 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10957

Re: Is a Sub-4% SWR a Boglehead Quirk?

Wish I knew my life expectancy and quality of life throughout retirement. Than I could come much closer than knowing the precise SWR. Too bad firecalc does not do this :)
by am
Sun Jan 11, 2015 12:41 am
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10957

Re: Is a Sub-4% SWR a Boglehead Quirk?

They say that death and taxes are the only guarantees. Life is risky. No amount of money or swr will guarantee the retirement you want.
by am
Sat Jan 10, 2015 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10957

Re: Is a Sub-4% SWR a Boglehead Quirk?

Most of us who frequent this site will likely have a retirement with some luxuries which can be cut back if need be. In the worst case, social security in the last years would not be the end of the world.
by am
Sat Jan 10, 2015 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 10957

Issues with employer contributions to accounts

Have had some problems recently with delays after payroll deduction. Are there guidelines as to how long an employer is allowed to contribute to HSA and 401k accounts? What can be done about this issue?
by am
Thu Jan 08, 2015 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Issues with employer contributions to accounts
Replies: 6
Views: 788

Re: New Vanguard AMT-free National Municipal Bond Fund

Will check writing be an option with the new etf?
by am
Wed Jan 07, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 79
Views: 7348

Re: Taxable account versus 457b

Anyone know what happens to funds if you leave non government employer that has your 457b funds? Is it a taxable distribution automatically or can you keep it there? How about once you retire, how do distributions work? How about checking the credit rating of the health care entity I work at? Is the...
by am
Mon Jan 05, 2015 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account versus 457b
Replies: 14
Views: 1630

Re: Taxable account versus 457b

Good point.
by am
Thu Jan 01, 2015 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account versus 457b
Replies: 14
Views: 1630

Re: Taxable account versus 457b

Thanks, will stick to taxable and 401k. Is there ever a reason to invest in a non qualified 457b? How about if the credit rating of employer is high or you anticipate being in a much lower bracket at retirement?
by am
Thu Jan 01, 2015 7:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account versus 457b
Replies: 14
Views: 1630

Taxable account versus 457b

I have the option to invest money in a non qualified 457b this year for a large healthcare organization. Hard to imagine bankruptcy but you never know. Would it be better to continue investing in taxable instead?
by am
Wed Dec 31, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account versus 457b
Replies: 14
Views: 1630

Brokerage option for 401k question

I have a new 401k which offers a brokerage option through Fidelity. Anyone know if fund minimums apply for the Spartan funds? Seems like it would take me a while to get enough money to build a 3 funder this way. Vanguard funds are 75 dollars a transaction and ETFs have trading fees. There are severa...
by am
Thu Dec 18, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brokerage option for 401k question
Replies: 1
Views: 268

Re: What is your opinion about "tilting?"

While tilting probably will lead to higher returns, I am still a 3 funder. I like the simplicty, tax efficiency, low expenses, lack of tracking regret, and knowledge that my heirs will likely be able to carry on. I also like that my 3 funder (with TBM in IRA and int. muni in taxable) can be allocate...
by am
Sun Dec 14, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 9561

Re: Tax loss harvesting total int. etf (vxus)

Do you know what the % are for veu and vss?
by am
Sat Dec 13, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting total int. etf (vxus)
Replies: 5
Views: 583

Tax loss harvesting total int. etf (vxus)

I have a tax loss harvest opportunity with vxus. What funds would be good to exchange at VAnguard and maintain a similar allocation?

Also, with the 3k I can harvest, at the 33% bracket this is like getting 1k assuming no gains?
by am
Sat Dec 13, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting total int. etf (vxus)
Replies: 5
Views: 583

Re: Should 529s be counted part of our net worth?

No, I do not use 529 in asset allocation. Networth yes. Perhaps one of my kids will not go to college for whatever reason or we get an inheritance or they get a scholarship, etc. 529 assets will then be used for retirement minus small penalties for gains. One more thing. You can use 529 money in eme...
by am
Sat Nov 29, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2623

Re: Should 529s be counted part of our net worth?

Calculating networth is a great way to see where you are In terms of accumulating wealth. Paid off house and 529s account for a big chunk of my assets. I can use house equity and 529s for retirement albeit with penalties and interest. It is used in my networth calculations.
by am
Fri Nov 28, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should 529s be counted part of our net worth?
Replies: 34
Views: 2623

Re: Get up to $30 back per Amex card (Small Business Sat, 11

I registered my AMEX blue card and Fidelity AMEX. Hope it works for both. Does this mean I can do two 10 dollar transactions (one for each AMEX) at 3 separate businesses and get a free 60 dollars?
by am
Fri Nov 28, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 8482

Re: Safe Withdrawal Rates - Is the 4% rule still good?

Typical educated affleunt Boglehead retiree can always cut back on discretionary items or get a part time job if need be. The 4% rule is close enough.
by am
Thu Nov 27, 2014 12:14 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates - Is the 4% rule still good?
Replies: 84
Views: 8314

Re: Best 529 Plan

Illinois has low cost <.2 ER index based options with Vanguard funds. Illinois residents get to deduct up to 20k from state taxes worth 1k.
by am
Thu Nov 27, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best 529 Plan
Replies: 15
Views: 1866
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