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Re: Banks that categorise your expenses...

Fidelity also does this. They have Full View to go with their cash management account (aka checking account).
by icefr
Sat May 03, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Banks that categorise your expenses...
Replies: 12
Views: 909

Re: How much was your total 2013 credit card rewards

Only $243.57 in 2013. I think I should be able to get close to $1,000 in 2014 though with some sign-up bonuses and a better primary card (Fidelity Amex 2% cashback) than what I started 2013 with (a 1% cashback card with a $25 annual fee).
by icefr
Fri Jan 03, 2014 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: How much was your total 2013 credit card rewards
Replies: 51
Views: 4224

Re: Pemco or other insurance company for home, auto, umbrell

I had PEMCO for a couple years and they were great! I switched recently because I was able to reduce my insurance costs by about 25% annually. I did file a claim and it was handled quite well.
by icefr
Mon Dec 30, 2013 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pemco or other insurance company for home, auto, umbrella
Replies: 4
Views: 294

Re: 2014 Portfolio Thoughts

trekwars2000 wrote:If we are going to do a Roth for 2013, is this something we need to open tomorrow?


No, you should have until mid-April-ish. (I forget the exact date.)
by icefr
Mon Dec 30, 2013 11:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 Portfolio Thoughts
Replies: 10
Views: 1532

Re: New Roth IRA - ShareBuilder - How To Invest?

I just got a bonus promotion to use them so I did, though I should have figured it was a way to drum up business and I'd pay it back in fees. So then get the promotion and then move your money out :) They're doing the promotions to drum up new business, but you need to keep *your* best interests in...
by icefr
Mon Dec 30, 2013 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Roth IRA - ShareBuilder - How To Invest?
Replies: 11
Views: 1199

Re: Credit Inquiries

I haven't seen any such inquiries on my credit reports and I check them regularly.
by icefr
Sat Dec 28, 2013 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Credit Inquiries
Replies: 5
Views: 306

Re: taxes on dividends

If they're in a non-retirement account, you should get a 1099 from Vanguard (or your brokerage firm) and you will report them on Schedule B of your tax return. The portion that is qualified dividends will be taxed at capital gains rates and the portion that is unqualified will be taxed at your margi...
by icefr
Thu Dec 26, 2013 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: taxes on dividends
Replies: 10
Views: 802

Re: First time poster, portfolio plan sanity check

1) Roll your old 403(b) into the current 401(k) with Vanguard. Don't roll it into an IRA - that'll block the Backdoor Roth IRA. 2) Move your Roth IRA out of those high-fee funds!!! 3) Where are your spouse's accounts? 4) Do a backdoor Roth IRA for each of you for 2013 and 2014. ($22,000 in new cont...
by icefr
Thu Dec 26, 2013 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: First time poster, portfolio plan sanity check
Replies: 11
Views: 1288

Re: Portfolio help

First of all, remove any references to your employer from both this post and your previous one. We don't need to be able to identify you from the internet. Annual income : $130K (including bonuses). Your income seems quite low for the area and industry. Are you including the stocks that vested this ...
by icefr
Thu Dec 26, 2013 3:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help
Replies: 1
Views: 224

Re: High Deductible Health Plan question

What happens when I go to the doctor with the HDHP? Will I pay nothing up front and wait on a statement from the doctor? I generally pay the amount due at the pharmacy and get a bill in the mail 1-3 months later from everyone else. Will I be paying full freight until I hit our deductible (which wil...
by icefr
Tue Dec 24, 2013 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plan question
Replies: 35
Views: 1899

Re: Apartment vs House

You can also rent a house. It really depends on your area which is cheaper, but if you don't know if you want to stay in your area/state after the next few years, then renting is usually better. The New York Times has a great buy vs rent calculator: http://www.nytimes.com/interactive/business/buy-re...
by icefr
Tue Dec 24, 2013 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apartment vs House
Replies: 12
Views: 1377

Re: First time poster, portfolio plan sanity check

I’ve been a casual investor for a few years but several months ago I read The Bogleheads’ Guide to Retirement Planning (a great book!) and now I’m trying to reshape my portfolio. I’m a huge fan of the three fund portfolio concept and want to simplify my investments as much as possible. I love the t...
by icefr
Tue Dec 24, 2013 4:52 am
 
Forum: Investing - Help with Personal Investments
Topic: First time poster, portfolio plan sanity check
Replies: 11
Views: 1288

Re: New to Investing

The way that your colleague suggested is a fine approach. Another approach is to try to track the total market, which would be 80/20 Vanguard Institutional Index and Vanguard Extended Markets: http://www.bogleheads.org/wiki/Approximating_total_stock_market Otherwise, the approach that your colleague...
by icefr
Sun Dec 22, 2013 3:28 am
 
Forum: Investing - Theory, News & General
Topic: New to Investing
Replies: 4
Views: 507

Re: High-Fee Tax Deferred 401k vs. Low-Fee Taxable Index Fun

UPDATE: The 3-year contract was up for negotiation last month. We didn't change providers, but they did give us several index fund options with lower fees (see 3rd column "NEW"). I'm currently 100% vested in Vanguard Wellington Adm (VWENX), but I'm looking to create a lazy 3-fund portfoli...
by icefr
Fri Dec 20, 2013 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: High-Fee Tax Deferred 401k vs. Low-Fee Taxable Index Fund
Replies: 12
Views: 1018

Re: Considering a "Year Off" from retirement contributions..

You get the point. You all make plenty of money, your wife should definitely be maxing out her retirement account, especially with how much money you have in a taxable account. When I retire, I definitely want an extra $445k-$1.25 million in my account where I can walk into a dealership and not eve...
by icefr
Fri Dec 20, 2013 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering a "Year Off" from retirement contributions.....
Replies: 64
Views: 5487

Re: Help with new company 401k choices

My 401(k) also charges a fee if I leave the funds there after leaving the company, so I plan to roll it over to an IRA or into a new 401(k) when I change jobs. In your case, since your income is below the Roth IRA contribution limit and with the funds available in your new 401(k), I would roll it ov...
by icefr
Wed Dec 18, 2013 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with new company 401k choices
Replies: 8
Views: 405

Re: Slice & Dice or Keep it simple?

Some of the Vanguard funds have corresponding ETF's that have lower ER's. What do others think about using the ETF's instead of Admiral shares? I have been wondering about this myself. ETFs versus index funds are really a personal preference. I tried them and decided I hated them. You can buy mutua...
by icefr
Thu Dec 12, 2013 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 843

Re: Slice & Dice or Keep it simple?

Thank you for the reply. I have access to two small-cap funds in my 401(k), but both are relatively high cost. Baron Small Cap Inst'l (1.05) Dreyfus Small Cap Index Fund (0.50) - the better option Should I utilize the Dreyfus small cap, Vanguard Mid-cap, and Wells Fargo Advantage Index together in ...
by icefr
Thu Dec 12, 2013 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 843

Re: What percentage of your income are you saving?

I'm 25 and I save about 75-80% of my net income, including bonuses. I max out my 401(k), Backdoor Roth IRA, and HSA. I also include regular mortgage principal payments, as well as taxable investments, cash savings, and extra mortgage principal payments in this number.
by icefr
Thu Dec 12, 2013 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 12646

Re: 401k help

Your portfolio looks pretty good. As for the mid-cap fund, about 6% of US stocks are mid-cap: http://www.bogleheads.org/wiki/Approximating_total_stock_market Does your 401(k) not have access to a small-cap fund as well? You have a few options when you have a S&P 500 index fund, but no extended m...
by icefr
Wed Dec 11, 2013 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 843

Re: Tips on staying the course...

I play with spreadsheets and then don't do anything. So instead of acting, I play with spreadsheets. That covers my need to fidget. Apparently, I don't need to actually fidget - I just need to fidget with the numbers somehow and a spreadsheet (or more than one...) is good enough for that. Some peopl...
by icefr
Wed Dec 11, 2013 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tips on staying the course...
Replies: 19
Views: 1469

Re: 401k help

If you want advice on your portfolio, you should post the whole portfolio: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 You shouldn't make decisions on one piece of your portfolio without looking at it as a piece of a whole, so my default suggestion would be that you probably don't w...
by icefr
Wed Dec 11, 2013 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 843

Re: New company health plan, seeking advice

My concern with saving the receipts is that I might lose them via fire, theft, or my own stupidity. +1 That's why I've gone the route of withdrawing expenses I do have and leaving the money there. If you have no or few expenses, you'll still let a good $ amount accumulate each year. Or you can keep...
by icefr
Wed Dec 11, 2013 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 579

Re: New company health plan, seeking advice

That is a really awesome benefit! Congrats! Many people are doing as you described to pay expenses out of pocket. I'm still torn on what to do, but my plan at the moment is: 1) Max out the HSA every year 2) Pay expenses with a rewards credit card (2% back on my $1,500 deductible + more expenses this...
by icefr
Wed Dec 11, 2013 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 579

Re: physician 2.5 years out of training

Glad to help! Income doesn't cover mortgage payments, but actually comes pretty close (I lose only about $100/mo). The condo recently went through a major special assessment which is now over - there were a number of foreclosures as a result, but the financials of the building have increased signifi...
by icefr
Tue Dec 10, 2013 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: physician 2.5 years out of training
Replies: 71
Views: 6370

Re: 2 Residents, a ton of debt, and a hope to retire one day

There is absolutely nothing magical about "building equity" and you are paying a huge price by paying down deductible, dischargeable debt and keeping non deductible non dischargeable Student debt. you say "We understand that this debt is at less interest than the school debt, but the...
by icefr
Tue Dec 10, 2013 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2 Residents, a ton of debt, and a hope to retire one day
Replies: 30
Views: 2845

Re: physician 2.5 years out of training

I have $6000/mo to put toward any financial goal. I am getting the sense that just paying off debt rather than contributing any more to taxable accounts is recommended. Given that, is the recommendation really that I pay off lower interest student loan debt than mortgages? Tax-wise I think it might...
by icefr
Tue Dec 10, 2013 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: physician 2.5 years out of training
Replies: 71
Views: 6370

Re: Sold a house. Portfolio advice.

2. I got a good raise in my new job and also lowered my expenses (because of selling my home). So I have the means for saving more in the future. My initial plan is to save $36K a year. Other than 401k and Roth IRA, this will include $4K in I-Bonds and $6K in other taxable investments. I am sorry i...
by icefr
Tue Dec 10, 2013 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sold a house. Portfolio advice.
Replies: 7
Views: 823

Re: Sold a house. Portfolio advice.

If homes are $300k-500k in your area and you can rent happily for $1,200, I would keep renting. I would consider keeping part of that $230k liquid for a potential home purchase in the future if you think you might buy a place again in the next 5-10 years. $100k is 20% of $500k, which would be the mi...
by icefr
Tue Dec 10, 2013 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sold a house. Portfolio advice.
Replies: 7
Views: 823

Re: Backdoor Roth IRA

Yes. Wait to do the backdoor Roth IRA until her traditional IRA is successfully in her current 401(k). *You* can still do the backdoor Roth IRA for yourself if you don't have any traditional IRAs though since they are individual.
by icefr
Fri Dec 06, 2013 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA
Replies: 3
Views: 343

Re: I'd like to buy a house but I'm not sure how big

So everyone here is super down on buying a house at 24. I encountered the same thing a few years ago. I bought my condo at 23. I plan to stay in this city for many years and I think it'll work out okay. Now I don't live in OK, so housing prices are a bit more. The place I bought is about 1,200 sqft ...
by icefr
Wed Nov 27, 2013 6:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'd like to buy a house but I'm not sure how big
Replies: 32
Views: 2079

Re: Family Portfolio check up

A few initial comments/questions/requests: 1) Could you update your original post with info on the funds that are available in your 401(k), including expense ratios? See: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 2) Why do you have the distinction between His and Her Taxable accou...
by icefr
Wed Nov 27, 2013 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Family Portfolio check up
Replies: 3
Views: 373

Re: New Allocation - taxable & 401K fund advice needed

I would appreciate advice on which 401K fund to use and the proper bond allocation for my taxable account. I plan on purchasing a house in about 10 years. Is the $150,000 you want to invest in your taxable account for buying a house or for retirement? How do you feel about possibly losing some of t...
by icefr
Fri Nov 08, 2013 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Allocation - taxable & 401K fund advice needed
Replies: 5
Views: 549

Re: What do you do with your cash back rewards?

For Amazon Rewards card, I can at anytime apply the reward points toward checkout balance. I've always wondered about this: if you use reward points to pay for a purchase on Amazon, do you still get reward points for said purchase? No, you only collect reward points for anything that's actually cha...
by icefr
Wed Aug 28, 2013 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with your cash back rewards?
Replies: 51
Views: 3525

Re: What do you do with your cash back rewards?

For my Amazon.com visa, I used to take it as a statement credit once it reaches $20. Now I transfer it to checking and make a payment on my mortgage with it. I'll go back to statement credits once I close the checking account in a few more months. Statement credits reduce the auto-pay on the visa, s...
by icefr
Wed Aug 28, 2013 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with your cash back rewards?
Replies: 51
Views: 3525

Re: 23 Year Old Trying to Get Money in Order

You have a wonderful 401(k) plan! Tax Rate: Income is roughly $95k per year, so I think 25% federal, no state income tax You're actually very close to the 15% tax bracket if that is your joint gross income: $95,000 -$11,900 standard deduction for married filing jointly -$ 7,600 two personal exemptio...
by icefr
Tue Aug 27, 2013 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 Year Old Trying to Get Money in Order
Replies: 14
Views: 1161

Re: Should I Rollover to Vanguard?

You could roll your Traditional 401(k) into a Rollover IRA and then into a Solo 401(k) since you have self-employment income (I think). That's what tfb talks about to get things out of the Traditional IRA: http://thefinancebuff.com/rollover-ira-to-solo-401k.html I'm not sure of the exact details on ...
by icefr
Tue Aug 27, 2013 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: Should I Rollover to Vanguard?
Replies: 8
Views: 804

Re: Buying a House and Retirement Savings

The interest rate on that student loan (6.55%) is much higher than what you would get on a mortgage (maybe 4.5% today on a 30 year fixed). So I would pay that off in entirety before buying a house. I guess we are looking at the convenience factor of buying a house as well. We live in the city, so p...
by icefr
Fri Aug 02, 2013 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a House and Retirement Savings
Replies: 7
Views: 783

Re: Buying a House and Retirement Savings

The interest rate on that student loan (6.55%) is much higher than what you would get on a mortgage (maybe 4.5% today on a 30 year fixed). So I would pay that off in entirety before buying a house. Have you ran the NYT Buy vs Rent calculator? http://www.nytimes.com/interactive/business/buy-rent-calc...
by icefr
Fri Aug 02, 2013 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying a House and Retirement Savings
Replies: 7
Views: 783

Re: 25 years old, first 401k, help please!

First of all, this is the internet and I wouldn't tell us the name of your employer. Or list their stock as a 401k option? :D Or that! My 401(k) provider doesn't let us buy shares of our company stock on our own, but the matching money goes in there. (We can exchange it out, but never in.) I don't ...
by icefr
Thu Jul 25, 2013 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 years old, first 401k, help please!
Replies: 17
Views: 2133

Re: 25 years old, first 401k, help please!

First of all, this is the internet and I wouldn't tell us the name of your employer. Second: Congrats on graduating with your PhD! I don't really like the international funds in your 401(k) since they aren't index funds, so I would put international in your Roth IRA. But VIIX is amazing. It is this ...
by icefr
Thu Jul 25, 2013 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 years old, first 401k, help please!
Replies: 17
Views: 2133

Re: New Canadian investor in the USA

Duckie had good advice on which funds to pick, so I'll speak to the Canadian thing. I'm in a very similar situation, except that I'm not sure where I'll end up residing long-term. I've been contributing to a Roth IRA and maxing out my 401(k). I've watched other friends move back though and having mo...
by icefr
Wed Jul 24, 2013 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Canadian investor in the USA
Replies: 6
Views: 5365

Re: Move money between Schwab and Vanguard

I opened a checking account with Schwab to make this easier. It's free and they refund ATM fees worldwide. Then you can push from Vanguard to Schwab just fine since it'll have real routing numbers and such.
by icefr
Fri Jul 19, 2013 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move money between Schwab and Vanguard
Replies: 10
Views: 1093

Re: Asset allocation with 2 Rollover IRAs and 2 Roth IRAs

http://www.bogleheads.org/wiki/Principl ... _Placement

I put the stock funds in the Roth IRA and the bonds in Traditional. You don't have any taxable accounts, unless you didn't mention them, so it doesn't really matter what you put where.
by icefr
Sat Jul 13, 2013 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation with 2 Rollover IRAs and 2 Roth IRAs
Replies: 8
Views: 565

Re: Asset allocation with 2 Rollover IRAs and 2 Roth IRAs

Unless your numbers are off, it should be fine. The smallest fund in my listing is 9.2%. $129,400 x 9.2% = $11,904.80, which is more than enough to qualify for Admiral shares.
by icefr
Sat Jul 13, 2013 2:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation with 2 Rollover IRAs and 2 Roth IRAs
Replies: 8
Views: 565

Re: Asset allocation with 2 Rollover IRAs and 2 Roth IRAs

So looks like your accounts are split up like this currently: Total $129.4k 25.6% His Rollover IRA 46.7% His Roth IRA 18.3% Her Rollover IRA 9.2% Her Roth IRA The fund you listed has the following asset allocation: 63.4% Total Stock Market 26.5% Total International Stock Market 10.1% Total Bond Mark...
by icefr
Fri Jul 12, 2013 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation with 2 Rollover IRAs and 2 Roth IRAs
Replies: 8
Views: 565

Re: Paying down student loans vs. contributing to Roth IRA/4

http://www.bogleheads.org/wiki/Paying_down_loans_versus_investing If it were me, I would probably do the following in 2013: 1) Max out Roth IRA by EOY: $5,500 / 6 = $916.67/month. 2) Remainder to 401(k): $1,000/month. (Keep in mind that since you save on the taxes, it is easier to put more into the ...
by icefr
Fri Jul 12, 2013 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying down student loans vs. contributing to Roth IRA/401k
Replies: 1
Views: 257

Re: How to sell RSUs intelligently.

I have mine set to sell all immediately. I get a few vests a year though and so I still get some value out of the stock price going up by the next vest then being higher. I'm not really interested in buying my company's stock personally if they gave me the cash. Sometimes I feel like I should have k...
by icefr
Fri Jul 12, 2013 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to sell RSUs intelligently.
Replies: 12
Views: 1253

Re: Looking for online international banking

Schwab has a checking account with waived international and domestic ATM fees. That helps with 6. They have online banking and a smartphone app, as well as no monthly fees. So the only one I'm unsure of is 1 - ability to make foreign deposits without having to use wire transfers. (I've been able to ...
by icefr
Mon Jun 03, 2013 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for online international banking
Replies: 14
Views: 1014

Re: Difference between tot international and FTSE all world

http://www.bogleheads.org/wiki/FAQ_on_V ... d_ex-US.3F

FTSE All-World ex-US is missing small-cap stocks. Total International has them. That's the difference.
by icefr
Thu May 23, 2013 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Difference between tot international and FTSE all world
Replies: 8
Views: 749
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