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Re: What to calculate withdrawals on?

Why not calculate withdrawals based on expenses and make sure you're withdrawing no more than 4% of your balance?
by icefr
Mon Nov 17, 2014 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to calculate withdrawals on?
Replies: 11
Views: 923

Re: Do you optimize for consistent cash flow? (max 401k earl

I don't really care about even paychecks. Mine change a lot anyway. I like maxing it out early so it's done. My current company does a true-up match in March if you're still employed with them and otherwise you only get the match for each paycheck. Some years I contribute evenly, others I max it out...
by icefr
Sun Nov 02, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you optimize for consistent cash flow? (max 401k early)
Replies: 7
Views: 859

Re: PPO vs HSA (hsa seems too good to be true)

Our new plan does not cover prescriptions until you hit the deductible. Does anyone know how to find out how much your prescriptions would cost if you've never seen the price and it's a new plan and a new company? Try looking for your Explanation of Benefits for your prescriptions. I can get at the...
by icefr
Tue Oct 28, 2014 10:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: PPO vs HSA (hsa seems too good to be true)
Replies: 24
Views: 2740

Re: Another Student Loan payoff question

You shouldn't be saving for your kids' educations when you have $134,000 in student loans. Your interest rate is reasonably low. I would take the 11k you are putting into 529s each year and apply that to your student loans instead. If your two loans are the same interest rate, I would be concentrati...
by icefr
Tue Oct 28, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another Student Loan payoff question
Replies: 2
Views: 331

Re: HSA HDHP or Traditional PPO?

Looks like your premiums will go down $104 per month or $1248 per year, plus your employer will put $585 into your HSA, for a total savings of $1833 each year if you don't use the plan at all. A pregnancy with delivery could cost around $30,000, so you would pay out the deductible of $3,000 and then...
by icefr
Thu Oct 23, 2014 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA HDHP or Traditional PPO?
Replies: 2
Views: 316

Re: selling RSU immediately

My only slight hesitation to this is that over the years I would meet people who work at high flying companies (think AAPL, GOOG, AMZN, TSLA, etc.) and would think to myself "wow, you've been working there for 15 years...the stock that you have must be great" However, finding out that the...
by icefr
Tue Oct 21, 2014 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 21
Views: 2008

Re: AA: taxable versus non-taxable and allocation calculatio

I don't tax adjust because I assume that a fair amount of my withdrawals in retirement will be in low enough tax brackets that it's not worth worrying about. I mean, a married couple can have $73,800 of taxable income before their capital gains will be taxed. That seems pretty sufficient to live off...
by icefr
Wed Oct 15, 2014 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA: taxable versus non-taxable and allocation calculations
Replies: 11
Views: 638

Re: -11.33% YTD, asking for some guidance

The last thing I would like to ask is: when I switch jobs, is it when you can go with Vanguard for example ? Or I'm just stuck until 60 years old period. I would like to not redo the same mistake. When you switch jobs, you have a few options: 1) Leave your 401(k) where it is. [Not recommended due t...
by icefr
Wed Oct 15, 2014 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3439

Re: Leaning towards buying a 1-BR condo in Bay Area

I must say though that I'm so glad I bought a 2BR because now my boyfriend is moving in with me and we could not have done that had I bought a 1BR. Not to pry, but I don't get it. Does your boyfriend sleep in a different room? No, but we are both introverted and like personal space. The second bedr...
by icefr
Wed Oct 15, 2014 9:08 am
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2120

Re: Leaning towards buying a 1-BR condo in Bay Area

People seem to be really against buying when you're single. I encountered the same issue when I talked about buying a 2BR condo while single a few years ago. I did it and I'm so glad I did! Rent prices have soared and I just absolutely love homeownership. It sounds like you've done your due diligenc...
by icefr
Tue Oct 14, 2014 8:24 pm
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2120

Re: Choosing separate Health Plans for spouses?

My employer doesn't have a surcharge for spouse having their own health insurance plan, but the additional premium for having a spouse makes it not worth it to share plans if both people have decent plans, so I don't foresee a married future in which my boyfriend and I would share health insurance p...
by icefr
Tue Oct 14, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing separate Health Plans for spouses?
Replies: 4
Views: 283

Re: Leaning towards buying a 1-BR condo in Bay Area

denovo wrote:Conventional wisdom says 2 bedrooms have poor resale value and prospects. Could you swing a 2 bedroom and get a roommate?


Do you mean that 1 bedrooms have poor resale value? 2 bedrooms are so much more marketable in my area.
by icefr
Mon Oct 13, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2120

Re: I want to pay off my mortgage.

Have you paid extra on your mortgage such that you could recast your loan and reduce your payment? You could also pay it down partially and then recast instead of paying the entire thing off. An extra option at least.
by icefr
Wed Oct 01, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to pay off my mortgage.
Replies: 36
Views: 2730

Re: Company stock match, good deal?

My 401(k) plan matches into company stock, but I can move the money out during any trading window. I usually do this once a year to minimize my exposure. It's just as easy as exchanging between funds. I don't know if other plans work like that though I would say even if they don't, it's worth it for...
by icefr
Wed Oct 01, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company stock match, good deal?
Replies: 18
Views: 1212

Re: Almost 2 year checkup + 401k ?

My only real question is regarding the 401k. My company offers a Roth 401k option. Without my 17.5k t401k contribution, I would be in the 28% federal bracket. Is it worth paying the higher tax rate to switch to the Roth 401k option? I would be making Traditional 401(k) contributions for sure so lon...
by icefr
Sat Sep 27, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Almost 2 year checkup + 401k ?
Replies: 6
Views: 995

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 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Banks that categorise your expenses...
Replies: 12
Views: 932

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
Thu Jan 02, 2014 11:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much was your total 2013 credit card rewards
Replies: 51
Views: 4962

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 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pemco or other insurance company for home, auto, umbrella
Replies: 4
Views: 301

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 10:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2014 Portfolio Thoughts
Replies: 10
Views: 1536

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 9:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Roth IRA - ShareBuilder - How To Invest?
Replies: 11
Views: 1279

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 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Credit Inquiries
Replies: 5
Views: 309

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 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: taxes on dividends
Replies: 10
Views: 809

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 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: First time poster, portfolio plan sanity check
Replies: 11
Views: 1303

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 2:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help
Replies: 1
Views: 226

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 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Deductible Health Plan question
Replies: 35
Views: 1947

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 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apartment vs House
Replies: 12
Views: 1383

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 3:52 am
 
Forum: Investing - Help with Personal Investments
Topic: First time poster, portfolio plan sanity check
Replies: 11
Views: 1303

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 2:28 am
 
Forum: Investing - Theory, News & General
Topic: New to Investing
Replies: 4
Views: 508

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 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: High-Fee Tax Deferred 401k vs. Low-Fee Taxable Index Fund
Replies: 12
Views: 1039

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 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering a "Year Off" from retirement contributions.....
Replies: 64
Views: 5634

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 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with new company 401k choices
Replies: 8
Views: 409

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 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 852

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 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 852

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 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: What percentage of your income are you saving?
Replies: 208
Views: 13180

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 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 852

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 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tips on staying the course...
Replies: 19
Views: 1486

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 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice or Keep it simple?
Replies: 8
Views: 852

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 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 583

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 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: New company health plan, seeking advice
Replies: 10
Views: 583

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 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: physician 2.5 years out of training
Replies: 71
Views: 6712

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 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2 Residents, a ton of debt, and a hope to retire one day
Replies: 30
Views: 2889

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 7:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: physician 2.5 years out of training
Replies: 71
Views: 6712

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 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sold a house. Portfolio advice.
Replies: 7
Views: 828

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 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sold a house. Portfolio advice.
Replies: 7
Views: 828

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 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA
Replies: 3
Views: 344

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 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'd like to buy a house but I'm not sure how big
Replies: 32
Views: 2107

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 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Family Portfolio check up
Replies: 3
Views: 376

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 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Allocation - taxable & 401K fund advice needed
Replies: 5
Views: 560

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 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with your cash back rewards?
Replies: 51
Views: 42446

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 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with your cash back rewards?
Replies: 51
Views: 42446
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