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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
Fri Jan 24, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on 401(k) Fund Options for US Equity
Replies: 3
Views: 123

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 Jan 16, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pros/cons of home funding approach?
Replies: 8
Views: 440

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
Thu Dec 26, 2013 10:03 am
 
Forum: Personal Consumer Issues
Topic: New Republic Wireless Monthly Rates
Replies: 5
Views: 821

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
Wed Dec 04, 2013 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24yo pharmacist seeking advice/input
Replies: 18
Views: 1797

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
Fri Nov 15, 2013 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Banking
Replies: 29
Views: 2532

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
Tue Nov 12, 2013 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I guide my kids to bogleheads.org NOW
Replies: 23
Views: 1361

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
Sun Nov 10, 2013 8:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Any Good Income Tracking Spreadsheets?
Replies: 9
Views: 989

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
Sat Nov 09, 2013 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Website Trouble??
Replies: 3
Views: 689

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
Fri Nov 08, 2013 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Help a young man retire!
Replies: 13
Views: 2167

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

Vanguard Total Stock Market Fund
by fcox85
Wed Oct 30, 2013 10:36 am
 
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 124
Views: 20911

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
Tue Oct 22, 2013 12:27 pm
 
Forum: Personal Consumer Issues
Topic: How many square feet is your home?
Replies: 162
Views: 10631

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
Sun Oct 13, 2013 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Is law no longer a viable career option for young people?
Replies: 36
Views: 3969

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 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: "When does a 100% stock portfolio make sense?"
Replies: 61
Views: 5102

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
Wed Oct 02, 2013 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: "When does a 100% stock portfolio make sense?"
Replies: 61
Views: 5102

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
Mon Sep 30, 2013 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: What age did you start investing and where are you now?
Replies: 42
Views: 4703

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 Sep 20, 2013 8:17 am
 
Forum: Investing - Theory, News & General
Topic: Who do you guys discuss investment strategies with?
Replies: 56
Views: 2843

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
Fri Aug 23, 2013 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Know what you own … and why you own it.
Replies: 4
Views: 712

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 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Deal w/ Small/Family Company Stock
Replies: 4
Views: 282

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
Tue Aug 20, 2013 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How to Deal w/ Small/Family Company Stock
Replies: 4
Views: 282

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 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone used Ascensus for 401K admin?
Replies: 9
Views: 842

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
Wed Aug 14, 2013 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone used Ascensus for 401K admin?
Replies: 9
Views: 842

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...
by fcox85
Tue Aug 13, 2013 11:20 am
 
Forum: Personal Consumer Issues
Topic: POLL: How much do you like your job?
Replies: 41
Views: 2936

Re: When did you get term life insurance? How long and how m

I bought a policy on myself and my now wife when we were engaged, about 4 months before our wedding. I was 27, she was 24. Now I'm 28, and she's 25. She was about to go to China for a month and a half, and we were getting married shortly thereafter, so I figured it was a good time. I think I bought ...
by fcox85
Tue Aug 13, 2013 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: When did you get term life insurance? How long and how much?
Replies: 32
Views: 2431

Re: Running of the Bulls!!!

An alternative: Running of the Bulls - New Orleans. Everybody dressed in white with red scarves like Pamplona, Spain. Rollergirls with horned helmets and plastic bats skating through the streets. https://www.youtube.com/watch?v=uw8MCLGVRyA http://www.neworleansonline.com/neworleans/festivals/multic...
by fcox85
Wed Jul 17, 2013 9:46 pm
 
Forum: Personal Consumer Issues
Topic: Running of the Bulls!!!
Replies: 25
Views: 1793

Re: Budgeting Tips

You could always consider a program like YNAB (You Need a Budget). Great program for really focusing on budgeting, spending only what you take in, etc. It's easy to track expenses regardless of the source of your spending (checking, savings, credit cards) while still using one unified budget. It doe...
by fcox85
Fri Jun 21, 2013 8:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Budgeting Tips
Replies: 10
Views: 815

Re: Help with Health Insurance

Does anyone have any recommendations on companies that I should look to for more reasonable rates? I have never shopped around for coverage, as I have always been covered by some sort of Blue Cross/Blue Shield policy, whether through my parents' work or through my employer. Am I wrong to think that ...
by fcox85
Tue Jun 18, 2013 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Help with Health Insurance
Replies: 47
Views: 2400

Re: Help with Health Insurance

I was going to ask the person who handles our benefits today, but all the information I've been given indicates that we have two options: single or family. We aren't that large, with maybe 25-30 employees total. It seems to me that there should be some sort of option between family and single, for t...
by fcox85
Tue Jun 18, 2013 8:52 am
 
Forum: Personal Consumer Issues
Topic: Help with Health Insurance
Replies: 47
Views: 2400

Help with Health Insurance

Due to my recent marriage and slightly increasing plan premiums, I've started thinking about my options for insurance. I have a plan through work, and just got a notice that the premiums will be increasing. Also, my wife is now off of her family's coverage, and so I have to increase my coverage from...
by fcox85
Tue Jun 18, 2013 7:52 am
 
Forum: Personal Consumer Issues
Topic: Help with Health Insurance
Replies: 47
Views: 2400

Re: Advice on Debt vs. Investing.

So you have takehome pay of over $5/month, debt expenses of about $2k, perhaps another $1k living expenses leaving you with roughly an additional $2k takehome per month. Where is this unaccounted for $3k a month going? You've got $143,000 in student loans, which will be more like $43k - $63k. Take ...
by fcox85
Sat Jun 01, 2013 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Debt vs. Investing.
Replies: 25
Views: 1954

Re: Advice on Debt vs. Investing.

Some notes on your emergency fund: Your CD is a part of the fund. If you had to cash it out tomorrow for an emergency, you may lose some interest, but you should not lose any principal. That is why some people use CD's to hold EF money. You may have noticed a recommendation to put your EF in a ROTH...
by fcox85
Fri May 31, 2013 11:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Debt vs. Investing.
Replies: 25
Views: 1954

Re: Advice on Debt vs. Investing.

That's about what the average American pays today in debt service, whether it be for a home or combination of debt service. It's not cheap living in this country. Welcome to home ownership - it's not just the purchase price of the home, it's the maintainance, the window dressings, the lawn, the gut...
by fcox85
Thu May 30, 2013 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Debt vs. Investing.
Replies: 25
Views: 1954

Re: Advice on Debt vs. Investing.

I'm a debt averse type, so here's my take... Obviously it's preferable to max out the 401k. But, maybe that isn't the best fit for OP right now. Do you get a match from the company/employer in your 401k? Maybe contribute to the match in the 401k and use extra $$$ to aggressively pay down that stude...
by fcox85
Thu May 30, 2013 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Debt vs. Investing.
Replies: 25
Views: 1954

Re: Advice on Debt vs. Investing.

No. I would take the 80K and pay down the student loans. Doing so will reduce your immediate annual interest expense in the first year by approximately $5,300. Your payments will remain the same however starting in month 1 of the reduced loan principal, your principal payment will be $442 per month...
by fcox85
Thu May 30, 2013 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Debt vs. Investing.
Replies: 25
Views: 1954

Re: Advice on Debt vs. Investing.

Having just moved into the house, I'm a little shaky on what our other expenses really are month to month. This month my utilities are full of one-time "establishment/installation" charges, etc. Also, we had several one-time expenses for appliances, alarm install, etc. However, just runnin...
by fcox85
Thu May 30, 2013 12:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Debt vs. Investing.
Replies: 25
Views: 1954

Advice on Debt vs. Investing.

Edited to reflect one correction in my SL payment, below Here's my situation: Age 28, wife 25 Income: ~ $95,000/year Student Loans: ~$143,000--payment, ~$ 870.00 /month, 6.625% rate Mortgage: ~$150,000--payment ~$1,140/month) 401(k): ~$17,000 -- currently our only investment, maxing out for 2013. W...
by fcox85
Thu May 30, 2013 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on Debt vs. Investing.
Replies: 25
Views: 1954

Re: Homeowner "Appliance" Insurance

I'm not sure if I will renew it after one year is up, but I just closed on a house in April, and it was included as a part of the closing costs. At this point, I'm elated that I have it, as both my dishwasher and tankless water heater have failed on me in the first month. I forgot I was covered unti...
by fcox85
Fri May 24, 2013 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner "Appliance" Insurance
Replies: 26
Views: 1133

Re: How Much Did You Spend on Your Engagement Ring??

I spent right at $4,500, but I actually got lucky. My wife already had a fairly large stone and some side stones from her grandmother's ring. Most of my cost was getting a custom-made platinum setting from a local jeweler, and incorporating smaller diamonds in the band and halo. The appraisal on the...
by fcox85
Tue May 07, 2013 2:45 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 19059

Re: Bad idea to put in contingencies when buying a house?

Contingencies like financing and inspection are normal and no seller should object to them. Obviously a seller would prefer an offer with none. I would put in reasonable ones (if important to you) and negotiate if necessary. I would agree with this. I just bought my first house, and it went seamles...
by fcox85
Wed May 01, 2013 3:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bad idea to put in contingencies when buying a house?
Replies: 21
Views: 1843

Re: Automatically rebalance my 401(k)??

Currently, my 401(k) is the only account in my portfolio. Planning on adding Roths for my wife and I later this year, and contributing the full $5500 for each of us. As far as re-balancing goes, manual re-balancing takes about 2 minutes. The main reason I'm considering the auto-rebalance option is s...
by fcox85
Tue Apr 30, 2013 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Automatically rebalance my 401(k)??
Replies: 4
Views: 333

Automatically rebalance my 401(k)??

My 401(k) has an automated rebalancing function, with options ranging as follows (I believe, as I recently changed my funds so I can't access it for a little while due to "trading restrictions"): 1/year, 1/6 mos., quarterly, and monthly. I am thinking about simply turning this option on wh...
by fcox85
Tue Apr 30, 2013 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Automatically rebalance my 401(k)??
Replies: 4
Views: 333

Re: "The Train Wreck Awaiting American Retirement."

Thanks for the link, Taylor. I have read and watched many interviews with Mr. Bogle over the years, and for me this one was the best yet. I think mostly because questions were excellent, covering all aspects of outlined problem from several different angles. He was very comfortable providing answer...
by fcox85
Wed Apr 24, 2013 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: "The Train Wreck Awaiting American Retirement."
Replies: 29
Views: 4056

How to Determine Your True Risk Tolerance...

I think that this forum is a great resource, but can also be a double-edged sword at times. If you read enough, you will see various posts advocating very aggressive strategies for younger investors, usually in the neighborhood of 90% equities a la the TR Funds in the 2045-2050 range. On the other h...
by fcox85
Wed Apr 17, 2013 11:37 am
 
Forum: Investing - Theory, News & General
Topic: How to Determine Your True Risk Tolerance...
Replies: 64
Views: 6703

Re: Pleated Pants Versus Flat Front Pants

By the way, my take on pleats vs. flat fronts only applies to men's tailored clothing (suits, dress trousers, etc.). Other than my suits, dress trousers, and tuxedo, I do not own a single piece of clothing with pleats.
by fcox85
Mon Mar 04, 2013 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Pleated Pants Versus Flat Front Pants
Replies: 45
Views: 3481

Re: Pleated Pants Versus Flat Front Pants

Though I may be the oddball, I am a 28-year-old lawyer with a different take on pleats vs. flat front pants. Traditionally, most fine men's tailored clothing (suits, trousers, etc.) are meant to be worn a little higher on the (actual) waist than people are accustomed to these days, as opposed to the...
by fcox85
Mon Mar 04, 2013 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Pleated Pants Versus Flat Front Pants
Replies: 45
Views: 3481

Question on Paying Off SL Debt?

Currently, I have about $141k in outstanding student loans. Fortunately, my wife and I are expecting an inheritance later this year that will in all likelihood wipe this out, and leave us with a sum left over for some savings and a house down payment fund. The loans are divided into two groups: (A):...
by fcox85
Thu Feb 21, 2013 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question on Paying Off SL Debt?
Replies: 1
Views: 277

Re: Where were you financially in your late twenties?

Yipee-Ki-O wrote:I think luck is a very underappreciated element of life!


I 2nd this!
by fcox85
Thu Feb 21, 2013 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where were you financially in your late twenties?
Replies: 191
Views: 12040

Re: Where were you financially in your late twenties?

This may make some of you feel better... I'm 28 years old. My wife is 24. We got married in Sept. 2012, and here is where we currently stand: Cash: ~$35k (from my wife's assets at a family bank) CD: ~$10k (ditto) My 401(k): ~$11.5k, maxing out for 2013 Debt: ~$140k my student loans Income: ~$95k/yea...
by fcox85
Thu Feb 21, 2013 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Where were you financially in your late twenties?
Replies: 191
Views: 12040

Re: Building Emergency Fund within Roth IRA

Keep in mind that if you are worried about security or loss of funds, you can always shelter your Roth in a basic Savings Account at an institution like Ally Bank. In the future, when your income increases, and you are able to replenish a basic EF, you can simply roll over the Ally Roth to an instit...
by fcox85
Fri Feb 15, 2013 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Building Emergency Fund within Roth IRA
Replies: 16
Views: 1249

Options for Partially Self-Employed Wife

My wife is a singer by training, and she has a variety of income streams: 1) W-2 employee at a local Catholic School/parish, where she sings/teaches children's choirs; 2) checks/cash fees for singing weddings/funerals; 3) 1099's from local opera company; 4) potential for more 1099's (I assume) from ...
by fcox85
Fri Feb 08, 2013 9:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Options for Partially Self-Employed Wife
Replies: 5
Views: 418

Re: What % of your income are you saving for retirement?

Starting in 2013, we increased my contributions to max out my 401(k). Depending on whether you include employer match, it's 18-21% of gross. I'm 28, my wife is 24. Once my student loans are paid off (most likely later this year), we plan to increase that by trying to max out Roths every year as well.
by fcox85
Thu Feb 07, 2013 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: What % of your income are you saving for retirement?
Replies: 228
Views: 20410
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