Search found 112 matches

by fcox85
Fri Jul 17, 2015 10:31 am
Forum: Personal Finance (Not Investing)
Topic: HSA's and Emergency Funds
Replies: 8
Views: 861

HSA's and Emergency Funds

For those of you who have an HSA and fund it sufficiently to cover your deductible and/or out of pocket maximum, how do you factor this in with your EF? Does it in any way reduce the amount that you hold in liquid cash in your EF?
by fcox85
Thu Jul 09, 2015 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Question on a Bond Fund in Schwab 401(k)
Replies: 3
Views: 368

Re: Question on a Bond Fund in Schwab 401(k)

I don't think its too bad a choice. Sure, it has twice the er, but that is not horrible. You might consider investing in it, then once a year or so switch it over to an etf so you only have to pay the high fee for a small portion of your bond portfolio. I was somewhat of the same mind with regard t...
by fcox85
Wed Jul 08, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Question on a Bond Fund in Schwab 401(k)
Replies: 3
Views: 368

Question on a Bond Fund in Schwab 401(k)

I am trying to simplify my 401(k). Long story short, I have access to self-directed Schwab brokerage window which I am using because I did not like my 401(k) options after a recent plan change. I was invested in some of the fee/commission-free ETF's offered through Schwab, but hated the fact that I ...
by fcox85
Thu May 14, 2015 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Employer Contribution 60%?
Replies: 29
Views: 1334

Re: Employer Contribution 60%?

closetoreality wrote:Also has anyone heard of employer contributions without employee contributions?


Before we merged w/ another firm and changed plans, my employer had a "Safe Harbor" plan whereby they deposited 3% of an employee's salary, regardless of whether that employee contributed.
by fcox85
Fri May 08, 2015 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: More Help w/ New 401(k) & Rollover of Old 401(k)
Replies: 6
Views: 569

Re: More Help w/ New 401(k) & Rollover of Old 401(k)

If it were me, I would roll over the terminating 401(k) to a Vanguard IRA. In the new 401(k) plan, I would invest all contributions in the one lowest cost index fund which looks like it would be the VG SP 500 Admiral (.05 ER). Use Vanguard index funds in the IRA to reach your overall desired asset ...
by fcox85
Wed May 06, 2015 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: More Help w/ New 401(k) & Rollover of Old 401(k)
Replies: 6
Views: 569

More Help w/ New 401(k) & Rollover of Old 401(k)

My employer recently merged with another firm, and our Mass Mutual 401(k) plan at the new firm is not as good as the old plan. The old plan had VG Admiral funds (500, Small Cap, Int'l, and Bond) from which an approximate "3-fund" portfolio could easily be constructed. Since the old plan is...
by fcox85
Tue Apr 21, 2015 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Monthly Investment Fee??
Replies: 2
Views: 387

HSA Monthly Investment Fee??

I have recently been enrolled in my employer's new HSA-compatible HDHC. As a part of the services offered by my HSA provider, I am able to invest all contributions exceeding $1,000.00. Fortunately, VG TSM is one of the funds offered through this investment platform. However, the HSA charges a $2.90 ...
by fcox85
Thu Feb 26, 2015 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Changing 401(k) Plans, Need Help!!
Replies: 10
Views: 572

Re: Changing 401(k) Plans, Need Help!!

Generally, if used for investing purposes, you're better off putting an HSA before IRA: Prioritizing investments - Bogleheads Agree 100%. OP, do you plan to invest the funds in the HSA or keep the money in cash? Once I hit the $1,000.00 threshold required to invest, everything beyond that amount wi...
by fcox85
Thu Feb 26, 2015 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Changing 401(k) Plans, Need Help!!
Replies: 10
Views: 572

Re: Changing 401(k) Plans, Need Help!!

What about the small cap index fund with an ER of 0.25%? I do not know of the methodology for this index but it may allow you to approximate TSM and there are a fair number of critics of the VG small cap index FWIW. As it turns out that fund is no longer available. The next closest fund to the 500 ...
by fcox85
Thu Feb 26, 2015 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Changing 401(k) Plans, Need Help!!
Replies: 10
Views: 572

Re: Changing 401(k) Plans, Need Help!!

Bump... Is there a reason you're choosing to fully fund the HSA vs. funding an IRA? Mainly, the deductibles and out-of-pockets on our new HDHP after the merger are high enough that it wouldn't hurt to have access to this money in the event that it is actually needed for medical costs, with the adde...
by fcox85
Thu Feb 26, 2015 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Changing 401(k) Plans, Need Help!!
Replies: 10
Views: 572

Re: Changing 401(k) Plans, Need Help!!

Bump... Well, it looks like the options are pretty much on par with what I expected, though possibly even a little bit worse. The only two funds I'm even considering (and only one seriously) are as follows: VG SP 500 Index Signal (.05%) PIMCO Total Return (.71%) Looks like I'm rolling over my curren...
by fcox85
Tue Feb 24, 2015 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Changing 401(k) Plans, Need Help!!
Replies: 10
Views: 572

Changing 401(k) Plans, Need Help!!

Currently, my employer offers what I consider to be an excellent 401(k) Plan. We are merging with another employer effective March 1, and our 401(k) options are changing. I am currently invested as follows: Vanguard 500 Index Admiral (VFIAX) 45.00% Vanguard Small Cap Index Admiral (VSMAX) 10.00% Van...
by fcox85
Thu Nov 13, 2014 9:02 am
Forum: Investing - Theory, News & General
Topic: Aspiration - Investment Firm where you choose your fee
Replies: 4
Views: 806

Re: Aspiration - Investment Firm where you choose your fee

It may be just me, but after about 5-10 minutes of perusing the website, I still have no clue in what vehicles Aspiration invests its clients' money. The website makes reference to "elite investments" and "alternative investments." I get the feeling this firm is selling access to...
by fcox85
Fri Oct 31, 2014 3:18 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle on why your retirement plan stinks
Replies: 14
Views: 3007

Re: Jack Bogle on why your retirement plan stinks

It seems that when we talk about "excessive fees," we are for the most part discussing the high-cost ER's of many funds offered in 401(k) and other retirement plans. However, while I know this has been discussed many times on this board, I feel that additional sinister "hidden" ...
by fcox85
Fri Oct 31, 2014 8:29 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle on why your retirement plan stinks
Replies: 14
Views: 3007

Re: Jack Bogle on why your retirement plan stinks

It seems that when we talk about "excessive fees," we are for the most part discussing the high-cost ER's of many funds offered in 401(k) and other retirement plans. However, while I know this has been discussed many times on this board, I feel that additional sinister "hidden" c...
by fcox85
Sun Oct 12, 2014 6:58 am
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 3631

Re: Best solution for clouded auto headlight lens?

I've seen several videos on YouTube with individuals using Off (or the equivalent)bug spray and a paper towel, and it seems to work great.
by fcox85
Thu Oct 09, 2014 11:45 am
Forum: Personal Consumer Issues
Topic: Four credit cards hacked in a 2 month period
Replies: 14
Views: 2261

Re: Four credit cards hacked in a 2 month period

IPer wrote:If it is somewhere in the house suspect everyone that has access until it is narrowed down . . . .


I couldn't help but think something along the same lines. Is there someone that regularly works in your house who might have had access to the cards?
by fcox85
Wed Oct 01, 2014 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Am I going about this the right way??
Replies: 12
Views: 696

Re: Am I going about this the right way??

If your major frustration is not having a handle on where your money is going each month, I suggest that you look into the budgeting software You Need a Budget (YNAB). It has really helped me understand where my money goes each month. The basic premise is that you create a forward-looking budget usi...
by fcox85
Mon Sep 08, 2014 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1265

Re: Help w/ the Mechanics of Solo 401k Contributions?

My husband just started one this year; similar situation. My understanding is that you can put the money in whenever you want. We are putting in a small monthly amount, but then plan to add more at the end of the year when we figure out the salary/profit issues. Thanks for the input. I hadn't read ...
by fcox85
Mon Sep 08, 2014 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ the Mechanics of Solo 401k Contributions?
Replies: 14
Views: 1265

Help w/ the Mechanics of Solo 401k Contributions?

My wife is starting a business that is structured as a single-member LLC (a "disregarded" entity with no employees). Depending on how the business does, I am considering setting up a Solo 401k in the near future. I understand that there are a number of issues surrounding the calculation of...
by fcox85
Thu Aug 28, 2014 9:29 am
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7976

Re: If you had an extra $100,000

1) Pay off all remaining (non-mortgage debt).
2) Fully Fund Emergency Fund
3) Roth IRA's for the year
4) Fund some house projects
5) Maybe a car (mine's getting long in the tooth)
6) Taxable With the Rest
by fcox85
Tue Jul 29, 2014 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo "Wells-Trade" Brokerage Questions
Replies: 23
Views: 2647

Wells Fargo "Wells-Trade" Brokerage Questions

To anyone who currently uses Wells Fargo for their brokerage account, I am a bit confused by their promotional materials regarding fees for investing in Vanguard mutual funds (not ETF's). After reading their website and speaking with my banker, it appears to me that VG mutual funds are free of trans...
by fcox85
Wed Jul 02, 2014 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 10943

Re: Who do you talk with about your financial goals?

I discuss finances and financial goals pretty openly with my family, and so does my wife. To be a bit more specific, we discuss where we stand, our big plans, income level, budgeting, debt load and general financial health with our parents (I am 29, she is 26). We don't discuss investing in great de...
by fcox85
Mon May 12, 2014 9:07 pm
Forum: Personal Consumer Issues
Topic: Help with Patio! -- Pavers v. Concrete
Replies: 25
Views: 3188

Re: Help with Patio! -- Pavers v. Concrete

Skipping the foundation prep work on pavers (and concrete) is nuts. Why don't you just put the pavers on the grass that you have now? "Hey we did this patio in 2 hours!" Tell the concrete guy to skip the base prep work too? This is in the category of penny wise and pound foolish. You clea...
by fcox85
Mon May 12, 2014 1:43 pm
Forum: Personal Consumer Issues
Topic: Help with Patio! -- Pavers v. Concrete
Replies: 25
Views: 3188

Re: Help with Patio! -- Pavers v. Concrete

Peterjens wrote:P.S. A firepit would be a good addition.


That's definitely part of the plan as well.
by fcox85
Mon May 12, 2014 12:47 pm
Forum: Personal Consumer Issues
Topic: Help with Patio! -- Pavers v. Concrete
Replies: 25
Views: 3188

Help with Patio! -- Pavers v. Concrete

We bought our house last year, and now have some projects we need to complete. Among others (replacing rotten siding, painting, sod, landscaping), my wife and I are about to spend some money to create a patio in our back yard. We are weighing the options between DIY stone pavers v. poured concrete b...
by fcox85
Fri May 09, 2014 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: What our company's 401k Advisor said about 1.5% Fees
Replies: 113
Views: 17882

Re: What our company's 401k Advisor said about 1.5% Fees

I work for a law firm w/ about 25 employees. Our 401(k) plan does have some pricier options, but we also have an entire slate of VG TR Funds, as well as Admiral Shares of SP 500, Total Int'l, Total Bond, Mid Cap, Small Cap, and a few other VG funds. Based upon what I read on these forums about other...
by fcox85
Fri Jan 24, 2014 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on 401(k) Fund Options for US Equity
Replies: 3
Views: 158

Opinions on 401(k) Fund Options for US Equity

Currently, my 401(k) has a lot of great options. Our plan has a full range of VG TR funds, as well as the following VG "Signal" class funds: Total Bond, Total Int'l, 500, Small Cap, Mid Cap. Obviously missing from our family of Signal funds is TSM. As far as the US Equity portion of my por...
by fcox85
Thu Jan 16, 2014 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Pros/cons of home funding approach?
Replies: 8
Views: 472

Re: Pros/cons of home funding approach?

From a legal perspective, I think a much cleaner solution is to fund the construction of the home yourself, and title the property only in your name. Once you are married, you can simply deed the property to both yourself, and your then-wife. This way, you avoid the potential legal/ownership pitfall...
by fcox85
Thu Dec 26, 2013 9:03 am
Forum: Personal Consumer Issues
Topic: New Republic Wireless Monthly Rates
Replies: 5
Views: 969

Re: New Republic Wireless Monthly Rates

My hesitations with going full-tilt into RW are: (1) Do the RW phones transition smoothly/unnoticeably between WiFi & cellular during calls? (2) I've always heard ill spoken of Sprint's network... But then, I've also heard they're making heavy investment in network improvements... Also, it appe...
by fcox85
Wed Dec 04, 2013 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: 24yo pharmacist seeking advice/input
Replies: 18
Views: 1976

Re: 24yo pharmacist seeking advice/input

Hey Dave I'm 23 and also plan to retire early(around 50-55) the most important factor for achieving this goal IMO is savings rate. I plan to live like a college student for as long as possible. If you can do the same I see no problem for you to retire early. I tend to agree. You mentioned in your O...
by fcox85
Fri Nov 15, 2013 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Online Banking
Replies: 29
Views: 2965

Re: Online Banking

I used Ally for a while prior to getting married, and loved it. I appreciated that I was always reimbursed ATM fees charged by other institutions' machines, and that Ally never tacked on any fees of their own. Also, I appreciated that Ally did not require minimum balances, and that their debit card ...
by fcox85
Tue Nov 12, 2013 8:15 am
Forum: Personal Finance (Not Investing)
Topic: Should I guide my kids to bogleheads.org NOW
Replies: 23
Views: 1626

Re: Should I guide my kids to bogleheads.org NOW

Maybe better to start them off by pointing them to some of the recommended books on this site? Then point them toward the site as a follow-up.
by fcox85
Sun Nov 10, 2013 7:43 am
Forum: Personal Finance (Not Investing)
Topic: Any Good Income Tracking Spreadsheets?
Replies: 9
Views: 1061

Any Good Income Tracking Spreadsheets?

Can anyone out there direct me to some good income tracking spreadsheets/programs? While I am salaried, my wife has a variety of income sources, some of which are more irregular. I need to start doing a better job of tracking these sources, so it's not as much work come tax season. Anyone have a goo...
by fcox85
Sat Nov 09, 2013 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Website Trouble??
Replies: 3
Views: 2508

Vanguard Website Trouble??

A while back, I created a Vanguard Roth IRA for future use, when I'm able to begin contributing more to retirement savings. As with all accounts, I linked it to my Mint account, even though there's no money presently in my account. I began noticing that it was always having trouble connecting to Min...
by fcox85
Fri Nov 08, 2013 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Help a young man retire!
Replies: 13
Views: 2211

Re: Help a young man retire!

I know that you're asking for advice on your portfolio, but I thought I'd throw this out there as well. You and your wife already make a good living (even though you're still in residency), and I would be willing to bet your living situation and benefits are pretty good, given that you're active dut...
by fcox85
Wed Oct 30, 2013 9:36 am
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 124
Views: 25128

Re: If you could have only one fund, what would it be?

Vanguard Total Stock Market Fund
by fcox85
Tue Oct 22, 2013 11:27 am
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 11639

Re: How many square feet is your home?

~1,850 sq. ft. 3 Bedrooms, 2.5 bathrooms. Will probably convert the half bath and some other space near it into a bigger laundry/utility room, in lieu of the "laundry closet" we have now. For now, it's just me and my wife (28 & 25). More space than we need, but gives us room to grow sh...
by fcox85
Sun Oct 13, 2013 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Is law no longer a viable career option for young people?
Replies: 36
Views: 4149

Re: Is law no longer a viable career option for young people

Regardless of whether law is a viable career for a young person, I think a more important question is whether anyone should want to be an attorney. I am a young attorney (28), and I'm starting to examine other options. While some of these include work in the legal field (in-house counsel, etc.), I a...
by fcox85
Wed Oct 02, 2013 2:53 pm
Forum: Investing - Theory, News & General
Topic: "When does a 100% stock portfolio make sense?"
Replies: 61
Views: 5473

Re: "When does a 100% stock portfolio make sense?"

Regarding the "dry powder" argument, I'm curious as to how that applies to a young investor who is in the accumulation phase versus someone with an established portfolio who is no longer buying. Wouldn't an investor in the accumulation phase accomplish the same end by continually buying s...
by fcox85
Wed Oct 02, 2013 2:08 pm
Forum: Investing - Theory, News & General
Topic: "When does a 100% stock portfolio make sense?"
Replies: 61
Views: 5473

Re: "When does a 100% stock portfolio make sense?"

Regarding the "dry powder" argument, I'm curious as to how that applies to a young investor who is in the accumulation phase versus someone with an established portfolio who is no longer buying. Wouldn't an investor in the accumulation phase accomplish the same end by continually buying st...
by fcox85
Mon Sep 30, 2013 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: What age did you start investing and where are you now?
Replies: 42
Views: 5034

Re: What age did you start investing and where are you now?

Started Investing in late 2011 at age 26, when I became eligible for my employer's 401(k). Initially began with just 3%. Sometime in 2012, I upped my contribution to 6%. In late 2012 I found this site and upped my contribution to max out my 401(k). My account balance started this year around $9k, an...
by fcox85
Fri Sep 20, 2013 7:17 am
Forum: Investing - Theory, News & General
Topic: Who do you guys discuss investment strategies with?
Replies: 56
Views: 3026

Re: Who do you guys discuss investment strategies with?

I'm a younger guy (28), and I personally find that my friends/peers are either 1) pretty clueless; or 2) not interested. As a result, I mainly talk to my wife, whose perspective is largely colored by what I've read and shared with her from this site and the boglehead philosophy. Luckily, she thinks ...
by fcox85
Fri Aug 23, 2013 4:11 pm
Forum: Investing - Theory, News & General
Topic: Know what you own … and why you own it.
Replies: 4
Views: 741

Re: Know what you own … and why you own it.

This post actual raises an interesting question for me. Currently, my only holding is VG TR 2030 in my 401(k). I'm comfortable with total market index funds: TSM, TISM, TBM. Do I understand the absolute nuts and bolts and/or nuances of all of the securities I own in those three funds? No. But, am I ...
by fcox85
Tue Aug 20, 2013 10:21 am
Forum: Investing - Help with Personal Investments
Topic: How to Deal w/ Small/Family Company Stock
Replies: 4
Views: 305

Re: How to Deal w/ Small/Family Company Stock

For what it might (or might not) be worth, the safest thing is to treat the stock as it were not there (as another Diehard suggested). What I would also suggest (strongly) is to be aware of (and address) any types of actual or even potential risk or liabilities you might be subject to as an owner o...
by fcox85
Tue Aug 20, 2013 9:34 am
Forum: Investing - Help with Personal Investments
Topic: How to Deal w/ Small/Family Company Stock
Replies: 4
Views: 305

How to Deal w/ Small/Family Company Stock

Due to the passing of my wife's grandfather, we are about to inherit a stake in a family-owned community bank. While I'm not entirely sure of the total value, I believe it's more than our entire portfolio at the moment, since I only started contributing to my 401(k) in 2012. Here's a little about ou...
by fcox85
Wed Aug 14, 2013 4:24 pm
Forum: Investing - Theory, News & General
Topic: Has anyone used Ascensus for 401K admin?
Replies: 9
Views: 1367

Re: Has anyone used Ascensus for 401K admin?

We have Ascensus manage our plan offered by Merrill Lynch. They frequently make small changes to their site which breaks communication with Mint.com. I'm one of those people that uses Mint every day for bill tracking, investment goals, and checking all transactions in one place, so it is a major de...
by fcox85
Wed Aug 14, 2013 1:59 pm
Forum: Investing - Theory, News & General
Topic: Has anyone used Ascensus for 401K admin?
Replies: 9
Views: 1367

Re: Has anyone used Ascensus for 401K admin?

My law firm's 401(k) is run through Regions 1PlanPlus Retirement Plan, which uses Ascensus for administration. As far as I know we don't have any problems with them. However, I have not seen a lot of detailed information regarding any administrative fees that Ascensus charges. I know that I see tran...
by fcox85
Tue Aug 13, 2013 10:20 am
Forum: Personal Consumer Issues
Topic: POLL: How much do you like your job?
Replies: 41
Views: 3381

Re: POLL: How much do you like your job?

I'm an associate at a corporate/civil defense law firm. I like the people I work for/with, and I like my salary. I have days where certain cases/projects really pique my interest. However, the majority of the days I would rather be doing something else. If I woke up financially set tomorrow, I would...

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