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Re: How best to start taxable investment accounts?

Well it's getting closer to summer and I'm going to basically rebalance into the same ratios of: ⋅ 90% stock (70% us, 30% international) ⋅ 10% bonds The US stock will break down: ⋅ 50% S&P ⋅ 15% small cap ⋅ 35% total stock market index and intern...
by enderland
Mon Jun 09, 2014 7:10 am
 
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 2832

Re: Stopping unwanted "junk" newspaper

I have a similar situation, except that it is sent to our mailbox, which considering we are in an apartment is quite small. I hate the thing since we throw it away nearly 100% of the time and it takes up significant space. Especially if we aren't able to check our mail daily, the paper gets folded u...
by enderland
Sun Apr 20, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 23
Views: 1944

Re: Amazon.com prices change quickly

Camelcamelcamel is great!
by enderland
Sat Apr 19, 2014 8:15 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 59
Views: 7741

Re: Frugality regret: What thing do you regret not spending

As a person currently living their 20s this was a really good thread for me to read.

I appreciate all the wisdom and thoughts!
by enderland
Sat Apr 19, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 112
Views: 17366

Re: *poor* Bogleheads

There will always be someone making more, with a higher net worth for your age, with lower costs of living, a better marriage, a better house, more awesome family, better job, etc. Always. For everything which is meaningful to you. Someone else always has a better situation somehow, somewhere. The i...
by enderland
Fri Apr 18, 2014 11:28 am
 
Forum: Forum Issues and Administration
Topic: *poor* Bogleheads
Replies: 78
Views: 13396

Re: Do you have a side job?

Every once in a while I'm eligible for paid OT at my work (at 1.5x my hourly rate).

Considering I generally enjoy my work, this is pretty easy for me to get some additional money.
by enderland
Tue Mar 11, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a side job?
Replies: 59
Views: 6220

Re: "Business Taxes" on turbotax - where is this coming from

I bought a $40 shirt for $24 last week, but the $16 discount is not income and I am not putting it on my tax return next year. More seriously, back in the dark ages, I had a teaching assistantship. There were two parts to it: I graded papers and got paid $200 a month, and I paid in-state tuition in...
by enderland
Thu Mar 06, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 593

Re: "Business Taxes" on turbotax - where is this coming from

After talking with someone (very knowledgeable! I was impressed) from Turbotax, looks like this was coming from my 1098-T form. As a grad student I received some money for tuition purposes (to bring tuition to 50% rather than 100%) and had mistakenly put this as "payment for services." If ...
by enderland
Wed Mar 05, 2014 8:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 593

Re: "Business Taxes" on turbotax - where is this coming from

Same problem. I guess I'll see what Turbotax folks say, I'm not overly excited to dig into this...
by enderland
Wed Mar 05, 2014 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 593

Re: "Business Taxes" on turbotax - where is this coming from

I'm going to just start over.

Looks like that W2 has $0 for social security wages which is probably why it had no FICA withheld..
by enderland
Tue Mar 04, 2014 10:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 593

Re: "Business Taxes" on turbotax - where is this coming from

It's still the same, interestingly even deleting that off didn't affect it at all. Maybe I should just delete each form individually and re-add everything?
by enderland
Tue Mar 04, 2014 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 593

Re: "Business Taxes" on turbotax - where is this coming from

I don't have TT on this computer, so I cannot simply run it with a W-2 with no FICA witheld. However, I do recall that when one enters a W-2, TT asks lots of questions about it. Did you answer the questions? Boxes 3 and 5 of the W-2 should have no entry if SS and Medicare are not supposed to be tak...
by enderland
Tue Mar 04, 2014 10:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 593

"Business Taxes" on turbotax - where is this coming from?

I have been filling out my taxes online with turbotax. I have a mysterious category under my income for "Business taxes" - amounting to $441. Turbotax tells me That's all we need for our calculation of self-employment tax. Your self-employment tax is $441. I can't figure out what this is r...
by enderland
Tue Mar 04, 2014 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: "Business Taxes" on turbotax - where is this coming from?
Replies: 11
Views: 593

Re: Poll: Understanding the average forum member age

Holy wow I feel young at 25.
by enderland
Sun Jan 12, 2014 9:36 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Understanding the average forum member age
Replies: 56
Views: 4955

Re: How best to start taxable investment accounts?

Alrighty, makes sense and thanks so much! I went through and made most of those changes - I didn't look at how to allocate my HSA funds since that seems like a pain in the ass and I want to go to bed early tonight :) I'll just rebalance on my birthday, too, during summer. So I'll have about 6 months...
by enderland
Sun Jan 05, 2014 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 2832

Re: How best to start taxable investment accounts?

If you post information on your current portfolio and the 401k options we can easily give you suggestions on how to set this up with taxable investing. I suggest adding $11k to taxable so you can buy one fund with admiral shares then add the other $4k to your emergency fund. Perhaps of your monthly...
by enderland
Sat Jan 04, 2014 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 2832

Re: How best to start taxable investment accounts?

Man I keep going back and forth on this. Thinking about priorities is hard. Maybe I will just put $15k there and start putting $1k a month and building up a taxable account so if I do ever get married or have kids I already have a good start to taxable investments. I do have a longer term goal of be...
by enderland
Sat Jan 04, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 2832

Re: Should I start a 529 plan for 2013?

Even if you use it for non-qualified expenses, you only pay income taxes and a 10% penalty on the earnings. That's still a pretty good return for an extremely low-risk investment. Oh. That penalty is only on the earnings? For some reason I thought it was like the 401k penalty applying to all your c...
by enderland
Thu Jan 02, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I start a 529 plan for 2013?
Replies: 6
Views: 810

Re: How best to start taxable investment accounts?

Before opening your first taxable account you want to do a little thinking through your entire portfolio. You will probably need to adjust your roth and 401k and may even need to break them into individual funds in order to be able to maintain your target asset allocation. If you don't, you will be...
by enderland
Thu Jan 02, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 2832

Re: How best to start taxable investment accounts?

I would suggest a mutual fund account instead of a brokerage account at Vanguard. And instead of the S&P500 index fund, I would suggest the Vanguard Total Stock Market index fund VTSAX. And yes, it is just like opening the Roth account. Hm. Is this just through the process to create an individu...
by enderland
Thu Jan 02, 2014 2:09 am
 
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 2832

Re: Should I start a 529 plan for 2013?

I would first max out any retirements accounts, pay off debt, build up an emergency fund, max out I-bonds, then perhaps start saving for a good down payment on a future house. Some 529s do give a tax break at the state level, however they come with strings attached, you will pay a penalty if you wi...
by enderland
Thu Jan 02, 2014 1:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I start a 529 plan for 2013?
Replies: 6
Views: 810

How best to start taxable investment accounts?

Emergency funds: yes Debt: none Tax Filing Status: single Tax Rate: 25% Federal, 8% State Age: mid twenties My 401k and Roth IRA are 100% in BTC 2050 and Vanguard Target 2050 retirement funds, respectively (about $45k total after my 2014 Roth IRA contribution). I like the simplicity with these and a...
by enderland
Thu Jan 02, 2014 1:15 am
 
Forum: Investing - Help with Personal Investments
Topic: How best to start taxable investment accounts?
Replies: 14
Views: 2832

Should I start a 529 plan for 2013?

Last minute planning for the win. Some details: ⋅ I want to have kids someday (though currently am not married) ⋅ I have some cash savings which I'm going to reallocate ⋅ It's somewhat likely I'll spend money continuing education for myself at some point (seminary) I am...
by enderland
Tue Dec 31, 2013 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I start a 529 plan for 2013?
Replies: 6
Views: 810

Re: Enderland's journal

Well, I'm sure they would not lie, but mis-communication and mis-understanding on these subjects is rampant. :twisted: If you do it, I'd be sure to check the account to be sure you really are getting the right amount of match. If not, you could change your plans early in the year and not miss any m...
by enderland
Wed Dec 25, 2013 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Enderland's journal
Replies: 18
Views: 2485

Re: Enderland's journal

Sometimes a company match is done by pay period. If you front load, you may lose the match for the months you don't contribute. You might want to check this before implementing your plan. Yeah. I should have mentioned this - I definitely do NOT have this problem. I actually emailed our benefit folk...
by enderland
Wed Dec 25, 2013 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Enderland's journal
Replies: 18
Views: 2485

Re: Enderland's journal

Plan for 2014 is to max out my 401k, HSA, and Roth IRA early in the year. I won't need any of my house savings this year unless something crazy happens so I'm going to front-load all those contributions and then when my 401k contribution hits the limit I'll divert all extra income towards house savi...
by enderland
Wed Dec 25, 2013 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Enderland's journal
Replies: 18
Views: 2485

Re: Dr. Wade Pfau on the 4% Rule

Someone should update FIRECALC to do the following: ⋅ Allow spending to be defined a % of remaining portfolio (ie 3.5%, 4%, whatever) ⋅ Allow a minimum spending to be defined numerically(representing "worst case" scenarios) ⋅ Allow a maximum spending, as well ...
by enderland
Fri Aug 16, 2013 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau on the 4% Rule
Replies: 124
Views: 10547

Re: What house can we afford?

I'm rather excited to eventually start looking for a house - this thread is exactly why.

I will be purchasing considerably less than I "could afford" which is going to confuse the hell out of some realtors and bankers :)
by enderland
Sat Aug 10, 2013 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: What house can we afford?
Replies: 66
Views: 7082

Re: LinkedIn strategy?

I frequently use Linked-In to look up people I am going to have meetings with or interview (if I'm lucky enough to know their name ahead of time).

Knowing someone's background can be quite helpful, even if it's cheesy and they know you looked them up from the notification.
by enderland
Fri Aug 09, 2013 8:00 pm
 
Forum: Personal Consumer Issues
Topic: LinkedIn strategy?
Replies: 51
Views: 5751

Re: 1987 stlye crash on the way?

Maybe it's because I'm in my mid 20s but if we get to pick and choose, I'll choose:

- Huge market crash this afternoon
- Slow market for the next 10 years
- 2025 - 2040 sees great growth in the market
by enderland
Fri Aug 09, 2013 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: 1987 stlye crash on the way?
Replies: 55
Views: 5967

Re: What do I owe my children?

It sounds like you are going to feel bad if you don't provide equally for them.

This to me is reason enough to consider not doing it. It also sounds like it isn't a big deal financially to either of them.
by enderland
Wed Aug 07, 2013 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do I owe my children?
Replies: 119
Views: 9978

Re: How to simplify and overcome Boglehead perfectionism?

This is one reason I like target date funds.

Do the research, make sure the target date fund has a decent AA and low ER, and then not worry.
by enderland
Tue Aug 06, 2013 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to simplify and overcome Boglehead perfectionism?
Replies: 38
Views: 5367

Re: Should an HSA be considered part of retirement portfolio

I've been curious about this, too. An HSA has the ability to be a pretty large percentage of one's income.

I'm 25 and will be maxing my HSA out indefinitely. I expect to build up a lot of savings in it and eventually buy some funds (unless I get married/have kids, I guess).
by enderland
Mon Aug 05, 2013 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: Should an HSA be considered part of retirement portfolio?
Replies: 9
Views: 889

Re: Savings rate & budget stress

Maybe I'm missing something but you are still spending an additional $4k.5 a month you didn't list? Your mortgage is pretty low, so either you've paid it down a lot and still have a high monthly payment, or you have other holes too. One thing you could do is go shopping with your wife sometime. She'...
by enderland
Mon Aug 05, 2013 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings rate & budget stress
Replies: 22
Views: 2567

Re: Do I owe a letter of apology to someone? [Coffee maker]

No, but you could probably write them a nice story someone might appreciate :)
by enderland
Fri Aug 02, 2013 10:35 pm
 
Forum: Personal Consumer Issues
Topic: Do I owe a letter of apology to someone? [Coffee maker]
Replies: 5
Views: 1597

Re: Question on "Rich Habits"

He defined “wealthy” as earning at least $160,000 annually and holding at least $3.2 million in assets. I'll be honest, I'd be far more interested in looking at the habits of those who are "wealthy" by having more than $1M in assets yet net incomes below $100k a year their entire lives. I...
by enderland
Fri Aug 02, 2013 8:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on "Rich Habits"
Replies: 28
Views: 10711

Re: Question on "Rich Habits"

He defined “wealthy” as earning at least $160,000 annually and holding at least $3.2 million in assets.


I'll be honest, I'd be far more interested in looking at the habits of those who are "wealthy" by having more than $1M in assets yet net incomes below $100k a year their entire lives.
by enderland
Fri Jul 26, 2013 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on "Rich Habits"
Replies: 28
Views: 10711

Re: Really hard to avoid "Keeping up with the Joneses"!

Maybe I'm a terrible person, but every time I see my peers, family, or friends act (or boast) similarly, I get a sense of pity.

They will never experience the freedom I have even currently and will continue to feel more and more as my net worth increases.
by enderland
Wed Jul 24, 2013 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Really hard to avoid "Keeping up with the Joneses"!
Replies: 93
Views: 10372

Re: What's your budget look like?

1) Misc. is a cop out category. For all lists, not just budgets. Break that out into real categories like personal spending, eating out, baseball tickets, books, etc. 2) Add "fudge factor" categories. That's a bad name, but I'm not sure of a better one. Things like one time only purchases...
by enderland
Sat Jul 20, 2013 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your budget look like?
Replies: 45
Views: 3449

Re: To what degree is $ negotiation part of the hiring proce

There are a lot of non-salary components which factor into a job offer. If either the company or the candidate only view the "salary" part of the compensation package, they are very naively engaged in negotiation. For example, I believe I am somewhat underpaid in terms of actual salary at ...
by enderland
Sat Jul 20, 2013 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: To what degree is $ negotiation part of the hiring process
Replies: 13
Views: 1334

Re: Conflicted About Expected Lifestyle Creep

So my question to you all is: How have others on this forum dealt with a significant, acute increase in income, not a steady increase over a long time period? I recently made this transition from grad RA (making about $800 a month after tuition, and my living expenses were pretty close to this) to ...
by enderland
Sat Jul 20, 2013 8:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Conflicted About Expected Lifestyle Creep
Replies: 47
Views: 5883

Re: Des Moines Chapter Meeting #2, Sat. Aug 3 at 10AM

Hoping to make it, some travel plans yet to be worked out, but it was fun the first time around and definitely would be good to do again :)
by enderland
Fri Jul 19, 2013 5:55 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Des Moines Chapter Meeting #2, Sat. Aug 3 at 10AM
Replies: 3
Views: 459

Re: How to understand medical bills and charges with HDHP?

After talking with them, some stuff was re-coded, the extra charge removed, and after I just got it, the total appears to only be $66.35 now.

This is a small price to pay for seeing how this system works firsthand.

Thanks everyone :)
by enderland
Wed Jul 17, 2013 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: How to understand medical bills and charges with HDHP?
Replies: 17
Views: 1418

Re: Help create a Financial Presentation: Calling all Bogleh

I have also put together a presentation which is "why care about personal finance?" though, it is much different in style than the majority of these presentations (way fewer words).

I'm giving it today, will update with feedback and then post it :)
by enderland
Fri Jul 12, 2013 7:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 106
Views: 9887

Re: Sacrifices: Saving 50% of Take Home Pay?

I'm 25 with similar income to you (but no fiance). I am also saving a fair bit of my pay, close to 50% of gross salary right now. What you will find if you do this is two main things. First, you will fairly quickly adapt to a lifestyle spending less. Second, you will find a lot of people giving you ...
by enderland
Thu Jul 11, 2013 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sacrifices: Saving 50% of Take Home Pay?
Replies: 44
Views: 6088

Re: 25 years today (how long u been on the job ???)

Alrighty, I'm one of those younger folks who hasn't responded :)

3 years with the current company.
No significant other.
Car is also 3 years old.
by enderland
Sun Jul 07, 2013 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: 25 years today (how long u been on the job ???)
Replies: 74
Views: 5901

Re: [Poll] What's Your Current Mode of Camping?

One of my dreams is to convert a van into a moveable home which would let me travel to areas and easily go camping for extended periods of time.

:)
by enderland
Sun Jun 30, 2013 3:25 pm
 
Forum: Personal Consumer Issues
Topic: [Poll] What's Your Current Mode of Camping?
Replies: 93
Views: 7038

Re: I have no idea what I want to do as a career

You are approaching the problem wrong. You are trying to find a job which lets you do something you like doing. Instead, learn what things you like doing and find fulfilling, then look for a career which has those as key attributes of the job. What sorts of things get you fired up? That you do for f...
by enderland
Thu Jun 27, 2013 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: I have no idea what I want to do as a career
Replies: 80
Views: 4772

Re: Is "buying organic" food worth it?

I sometimes buy carrots since they seem to frequently be on sale for cheaper than non-organic carrots (???).
by enderland
Thu Jun 27, 2013 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Is "buying organic" food worth it?
Replies: 89
Views: 4822

Re: Bogleheads Without Avatars

I have all avatars disabled so this problem always affects me :)

I suppose I will add one though, just for you, although I don't post a whole ton ;)
by enderland
Thu Jun 27, 2013 7:26 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 14787
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