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Re: The Financial Implications of Moving in Together

Hopefully he doesn't claim a common law marriage if you have a falling out. I wouldn't be too concerned about that - we signed (under notary) a document stating that we are not entering into a common law marriage and our assets stay separate, among other things. He also isn't paying for anything di...
by icefr
Fri Mar 27, 2015 5:22 pm
 
Forum: Personal Consumer Issues
Topic: The Financial Implications of Moving in Together
Replies: 52
Views: 2273

Re: The Financial Implications of Moving in Together

We did this a while back. We called it getting married and combined all our finances. Now, I realize a lot of people think marriage is fuddy-duddy, and I'm trying not to be judgmental. But here's what I would do. I would first decide what you are. I don't think marriage is Fuddy-Duddy... I don't ev...
by icefr
Fri Mar 27, 2015 4:43 pm
 
Forum: Personal Consumer Issues
Topic: The Financial Implications of Moving in Together
Replies: 52
Views: 2273

Re: Retirement options after maxing 401k

Since you're filing jointly, you should be able to contribute to Roth/Traditional IRAs for both you and your wife. ("Spousal IRA" for your wife, technically.) Depending on your income as the other posters said, you may need to use the Backdoor. You can still open IRAs at Vanguard before th...
by icefr
Fri Mar 27, 2015 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement options after maxing 401k
Replies: 7
Views: 723

Re: Merging HSA accounts?

You can combine her existing HSA accounts into one at any bank that has HSAs that you want, but the funds need to remain titled to her and each of you can use money from either of your HSAs to pay for either of your expenses.
by icefr
Thu Mar 26, 2015 4:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Merging HSA accounts?
Replies: 4
Views: 291

Re: 401K rollover or not?

I recently left a job that had a 401(k) with good institutional index funds, like yours. I left the money where it was and waited until I started my new job and got access to information on its 401(k) plan. It turns out that my old plan has a quarterly fee if you're no longer employed that made the ...
by icefr
Thu Mar 26, 2015 11:03 am
 
Forum: Personal Finance (Not Investing)
Topic: 401K rollover or not?
Replies: 6
Views: 400

Re: How to 3-fund when I can do Vanguard for 401k/Roth/Taxab

First, I would recommend editing your employer out of your post, e.g. to "Company stock at 15% ESPP". We don't need to know who you work for :) I'm assuming that your emergency fund is not included in the cash you listed and treating all of your accounts In general, I like the three fund p...
by icefr
Wed Mar 25, 2015 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to 3-fund when I can do Vanguard for 401k/Roth/Taxable?
Replies: 4
Views: 825

Re: Extra cash...how to use it?

I vote A/B. If you plan on buying a house this year, I would be keeping more money in cash. Once you close and a few months into living in the house, you can calculate how much extra cash you have and then use that to help you continue maxing out the 457, pay extra on the mortgage, or throw into tax...
by icefr
Wed Mar 25, 2015 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Extra cash...how to use it?
Replies: 9
Views: 919

Re: Where do I learn how much one SHOULD spend on a home?

OP, I'm the same age as you and live in the same HCOL. I bought a two bedroom condo three years ago at age 23. I was renting a one bedroom for ~$1750/month including parking and utilities. I looked at the New York Times Buy vs Rent calculator and it said that buying would make more sense in my case ...
by icefr
Tue Mar 24, 2015 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5044

Re: To refinance or not

Can you get a slightly higher interest rate and pay no closing costs? That's what I would consider doing - lower the rate and required payment at no cost to you.
by icefr
Tue Mar 24, 2015 11:27 am
 
Forum: Personal Finance (Not Investing)
Topic: To refinance or not
Replies: 2
Views: 413

Re: 401K + Roth + Taxable - new investor, need advice

Welcome to the forum! Your investments look to be in not too bad shape - you've picked some great index funds. I'm not quite sure what your questions are though :) You should take a look at this post and update your OP: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 I'm mostly curious...
by icefr
Mon Mar 23, 2015 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K + Roth + Taxable - new investor, need advice
Replies: 3
Views: 405

Re: Budget ?

Is your income sufficient to cover your expenses? If so, I would consider saving your wife's paychecks and using yours for spending. That way, you don't have to set aside money to cover the summer paychecks.
by icefr
Mon Mar 23, 2015 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Budget ? [Household budget, how to manage gap in income?]
Replies: 8
Views: 1203

Re: Vanguard Problems

OP here, I have no doubt that this will get straightened out at some point. Pretty frustrating though. This last transaction was a simple "in-kind" rollover of two funds from a 401K (held at VG) into the same two funds in a new Traditional IRA. What ended up happening was some money went ...
by icefr
Mon Mar 23, 2015 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Problems [Account transactions]
Replies: 22
Views: 3065

Re: 401k or Vanguard Star?

What tax bracket are you in? If you're in the 25% or 28% tax bracket, contributing to the 401(k) may be worthwhile for the tax savings. As for the ROTH and the Star fund, I would also look at the Target Retirement date funds, e.g. the Vanguard Target Retirement 2050 Fund: https://personal.vanguard.c...
by icefr
Sun Mar 22, 2015 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k or Vanguard Star?
Replies: 7
Views: 415

Re: 1st Taxable Account with Vanguard. Investing Strategy.

Do you have any IRAs for you and/or your spouse? What funds do you have available in your 401(k)?
by icefr
Fri Mar 20, 2015 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1st Taxable Account with Vanguard. Investing Strategy.
Replies: 19
Views: 2246

Re: Does the IRS Withholding Calculator and bonuses

No, you need to calculate that yourself:

"Enter the total Federal income tax withheld to date in 2015 (including amounts withheld from bonuses or which you expect to have withheld for bonuses):"

so this is YTD federal income tax on your last paycheck + 25% of all expected bonuses
by icefr
Tue Mar 17, 2015 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does the IRS Withholding Calculator and bonuses
Replies: 1
Views: 261

Re: New 401(k) time - should I use BrokerageLink or VIIIX?

Thank you so much for your time, Duckie! This was very helpful. :) I think I have been having problems with decision fatigue what with the new job and all.
by icefr
Tue Mar 17, 2015 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) time - should I use BrokerageLink or VIIIX?
Replies: 4
Views: 474

Re: Another Mortgage vs Investing Q

The $40k would make such a huge difference on that mortgage balance. I would absolutely do it! Looks like you guys should have it paid off soon!
by icefr
Mon Mar 16, 2015 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Another Mortgage vs Investing Q
Replies: 15
Views: 1470

Re: New 401(k) time - should I use BrokerageLink or VIIIX?

Thanks Duckie! :) Would it be better to use the 0.02% Vanguard Institutional index fund? Yes. I would use VIIIX at 0.02% instead of PIMCO at 0.27%. (That's a great price for PIMCO Total Return. I've never seen it cheaper than 0.46%.) You're meaning to use VIIIX at 0.02% for the amount that my employ...
by icefr
Mon Mar 16, 2015 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) time - should I use BrokerageLink or VIIIX?
Replies: 4
Views: 474

Re: Poll: When to pay down debt rather than invest

It depends on the account you would be investing in and the rate of return: * 401(k) contributions to get a 50% or 100% match, absolutely before paying down debt. * 401(k) contributions if you're in a 25% or higher tax bracket, absolutely before paying down debt. * Roth IRA contributions, I would pa...
by icefr
Mon Mar 16, 2015 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: When to pay down debt rather than invest
Replies: 49
Views: 3898

New 401(k) time - should I use BrokerageLink or VIIIX?

Thanks to this website, I managed a easy to maintain three fund portfolio in my old job's 401(k) for the last several years, but now I've started a new job and have been wracking my brain with what I should pick for the new allocation. Emergency funds: Yup Debt: ~$140,000 5/1 ARM at 2.5% Tax filing ...
by icefr
Mon Mar 16, 2015 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) time - should I use BrokerageLink or VIIIX?
Replies: 4
Views: 474

Re: Home? Student Loan? Investment? HELP!

1) Are you a US citizen? The IRS seems to not like TFSAs... 2) Don't use the RRSP loans. They just get you into a trap. Your RRSP and TFSA room roll over forever. Don't worry about losing the contribution room. 3) Take 5k out of your TFSA and pay off your credit card balance and your RRSP loan. 4) D...
by icefr
Fri Mar 13, 2015 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home? Student Loan? Investment? HELP!
Replies: 3
Views: 364

Re: Should we take a 401k Early Withdrawal?

There is no doubt that in your situation which my spouse was in that we just kept contributing the max to the 401(k) plan. IF real interest rates are going to be ~2% for the next many years, wouldnt I be better off just cutting my losses and investing in a low fees taxable account? I have just been...
by icefr
Wed Mar 11, 2015 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should we take a 401k Early Withdrawal?
Replies: 20
Views: 1283

Re: Anyone ever use a closet design company?

I used California Closets for my reach-in closets. It's made a world of difference in the usability of the space. I probably could have done something cheaper, but that would have taken much more time. It looks great and is incredibly functional.
by icefr
Wed Mar 11, 2015 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Anyone ever use a closet design company?
Replies: 22
Views: 1499

Re: Evaluating new job offer and 401k plan

I found on another thread of yours that your net worth is ~$700k and you're 26 - same age as me! I would totally take the new job if it's more engaging to you. Your net worth is pretty high for your age and you'll still have some savings room. Totally worth it. I interviewed with some startups recen...
by icefr
Tue Mar 10, 2015 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating new job offer and 401k plan
Replies: 30
Views: 2391

Re: Fidelity Amex extended warranty ?

I file away all the info that comes with a credit card and I checked my Fidelity Amex recently and it does have an extended warranty, doubling the manufacturer's warranty up to 2 years total. :) I plan on never getting rid of that card since there's no annual fee and it has a decent 2% cashback, so ...
by icefr
Tue Mar 10, 2015 11:47 am
 
Forum: Personal Consumer Issues
Topic: Fidelity Amex extended warranty ?
Replies: 3
Views: 420

Re: Health Savings Account strategy as a US resident / Canad

bump. Any other ideas? My enrollment period is ending soon and I'm debating how much to put into my HSA.
by icefr
Fri Mar 06, 2015 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account strategy as a US resident / Canadian
Replies: 3
Views: 300

Re: 401k Question

If the SPD doesn't help, you could ask your HR department (assuming they know you're retiring already). They've always been helpful in my experience.
by icefr
Fri Mar 06, 2015 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k Question
Replies: 4
Views: 391

Re: Health Savings Account strategy as a US resident / Canad

Canada isn't taxing my HSA now. I'm a non-resident in Canada and haven't filed a tax return since the year I left. I don't know if my custodian will force me to withdraw the HSA if I lose my US residency. Worst case, I suppose I could just move it to my credit union that I know won't force me to clo...
by icefr
Thu Mar 05, 2015 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account strategy as a US resident / Canadian
Replies: 3
Views: 300

Health Savings Account strategy as a US resident / Canadian

Everyone talks about how you should max out the HSA because it's such an awesome account, but I'm concerned that that's not the case in my situation. I'm a Canadian citizen and have lived in the US for 5 years now, no green card yet. I don't know if I'll retire in Canada or in the US at this point (...
by icefr
Thu Mar 05, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account strategy as a US resident / Canadian
Replies: 3
Views: 300

Re: Refinance Question

I opted for the 30 year at the time to maintain some flexibility with monthly expenses and because my significant other was more comfortable with the lower payment (she does fine for herself financially but does make quite a bit less than I do). Fast forward to 6 months later and I find myself payi...
by icefr
Mon Feb 23, 2015 1:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Refinance Question
Replies: 15
Views: 1270

Re: IRA advice (Please) from 401k rollover

Sounds like investing it in a Vanguard Target Retirement fund would be a great option. One note though is that you can't continue contributing to your Rollover IRA. I would open a separate Traditional IRA account at Vanguard, which you can contribute $5,500 to in 2015: http://www.irs.gov/Retirement-...
by icefr
Fri Jan 16, 2015 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA advice (Please) from 401k rollover
Replies: 7
Views: 561

Re: Help with starting a retirement account for my fiance?

I actually think it would be better for you not to contribute to her IRA at all. I know you plan to get married and all, but things happen. Or, at least wait until it's official... I agree with this. I'm in a similar situation. I set up a Roth IRA for my girlfriend. I told her that I will not be co...
by icefr
Thu Jan 15, 2015 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with starting a retirement account for my fiance?
Replies: 13
Views: 1039

Re: Tax withholding questions

I did this in 2013 and it worked out fine. (I adjusted the W4 withholdings on the second job.)
by icefr
Mon Jan 12, 2015 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax withholding questions
Replies: 4
Views: 537

Re: Opinions on my 4-fund 401(k)

NotRetiredYet wrote:36 years old. No other components to my portfolio at this time. This is a Roth 401(k) as well. I contribute 6% and employer matches with 7%.


What is your marginal tax rate? If it is 25% or higher, I would vote for a Traditional 401(k) instead: http://thefinancebuff.com/case-against-roth-401k.html
by icefr
Sun Jan 11, 2015 11:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on my 4-fund 401(k)
Replies: 10
Views: 1288

Re: First time simplifying portfolio

Just eat the fee and move on. You have a solid plan.
by icefr
Sun Jan 11, 2015 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: First time simplifying portfolio
Replies: 2
Views: 288

Re: What is the international portion of your portfolio and

International is targeted for 50% of my equities allocation; the other 50% allocated to US. Why? I live in the US and don't necessarily plan to retire in the US and am open to currency risk. All of my international is in the Vanguard Total International Stock Market Index Fund (Admiral or Institutio...
by icefr
Sat Jan 10, 2015 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: What is the international portion of your portfolio and why?
Replies: 140
Views: 12256

Re: Tax loss harvesting international with frequent buys

Thank you so much for all the replies! He even made a Bogleheads account so he could watch the replies come in :) It sounds like he needs to make sure he sells the shares acquired within the last month and makes sure he turns off automatic contributions for the next month.
by icefr
Thu Jan 08, 2015 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting international with frequent buys
Replies: 4
Views: 714

Tax loss harvesting international with frequent buys

My boyfriend and I have been investigating tax loss harvesting. He has done a great job saving over the last year and per my suggestion has invested about half and half into Vanguard Total Stock Market and Vanguard Total International Stock Market in his taxable account. Well as you can imagine, he ...
by icefr
Tue Jan 06, 2015 2:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting international with frequent buys
Replies: 4
Views: 714

Re: Early withdrawal of Rollover IRA

What about transferring it to a brokerage that you do use more regularly?
by icefr
Mon Jan 05, 2015 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early withdrawal of Rollover IRA
Replies: 4
Views: 495

Re: Am I contributing too much to retirement?

Hi all, I started my first full time job back in July (21 years old), so next year will be the first full year of employment (and the full tax burden!). My take home pay (post-tax) is roughly $52000. In my first 6 months of employment, I decided to take advantage of the relatively low tax bracket, ...
by icefr
Mon Jan 05, 2015 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I contributing too much to retirement?
Replies: 28
Views: 4859

Re: 403b Roth or non Roth ??

If you think you'll be in a lower tax bracket in retirement, you should continue contributing to the non-Roth 403(b) like you have been. Considering that your current tax bracket is 35%, you will most likely be in a lower tax bracket at retirement.
by icefr
Mon Jan 05, 2015 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 403b Roth or non Roth ??
Replies: 7
Views: 420

Re: Accumulation Phase - First Taxable Account - Strategies?

You can always start with mutual funds at Vanguard and convert them to ETFs later if you want to take advantage of sign-up bonuses. I'd rather start with mutual funds myself since you can go MF->ETF, but not ETF->MF. Plus, once your fund surpasses $10,000, then Vanguard will automatically put you in...
by icefr
Fri Jan 02, 2015 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Accumulation Phase - First Taxable Account - Strategies?
Replies: 6
Views: 725

Re: New $1 additional investment minimum at Vanguard

Are you trying to crash Vanguards software? Seriously, when I was testing software this is the sort of test that would annoy the developers. The first version tested would almost always crash or do something else unpleasant. So your either betting that Vanguard has a descent test group or trying a ...
by icefr
Fri Jan 02, 2015 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: New $1 additional investment minimum at Vanguard
Replies: 11
Views: 2555

Re: New job with Vanguard options! Thoughts on 401k?

Something else I forgot to mention, I also have about $2,500 in an HSA with my old employer. I will be rolling this over into my new HSA at my new employer, they give me $1,000 a year. Not sure if this makes a difference... It depends on what you plan to do with the HSA. Do you use it for your heal...
by icefr
Fri Jan 02, 2015 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: New job with Vanguard options! Thoughts on 401k?
Replies: 16
Views: 1282

Re: New job with Vanguard options! Thoughts on 401k?

We need more information to suggest your allocations as you haven't told us how much you plan to contribute next year. I assumed $18,000 to your 401(k) and $5,500 to your Roth IRA. What about your spouse's accounts? Do you have a match in your 401(k)? At 25, I would suggest 25% in bonds. I would als...
by icefr
Fri Jan 02, 2015 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: New job with Vanguard options! Thoughts on 401k?
Replies: 16
Views: 1282

Re: Accumulation Phase - First Taxable Account - Strategies?

I buy whenever I have money I want to invest. The more tax lots the better since when you go to sell, you have more choices of which ones to sell.
by icefr
Wed Dec 31, 2014 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Accumulation Phase - First Taxable Account - Strategies?
Replies: 6
Views: 725

Re: International in Tax Deferred

First, Roth IRA and Roth 401(k) are not tax-deferred vehicles. They're tax-free - provided that you don't withdraw earnings until after age 59.5, you will never pay tax on this money again. Second, Traditional IRA and Traditional 401(k) are tax-deferred vehicles. I wouldn't sell anything in taxable ...
by icefr
Wed Dec 31, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: International in Tax Deferred
Replies: 13
Views: 1010

Re: UMB vs HSA?

I would wait until you get a fee schedule from your employer. My employer's HSA fees are much lower than the posted ones for the institution they're with.
by icefr
Wed Dec 31, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: UMB vs HSA?
Replies: 13
Views: 1551

Re: International in Tax Deferred

My Roth IRA holds Total stock market and then Extended Market to complement the S&P 500 index fund in my 401(k). At the moment, my 401(k) has most of my international stock index fund, some S&P 500 index fund, and a stable value fund. I also have international in my taxable account. If I wer...
by icefr
Wed Dec 31, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: International in Tax Deferred
Replies: 13
Views: 1010
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