Search found 1902 matches

by ieee488
Tue Sep 01, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Married Couple In Need of Help with Asset Allocation & Other Advice For Multiple Accounts
Replies: 4
Views: 290

Re: Married Couple In Need of Help with Asset Allocation & Other Advice For Multiple Accounts

While I agree that your 403b plan options aren't great, you are leaving a LOT of tax-advantaged space on the table by not contributing. Do you have extra money to invest each year beyond what you're putting in your Roths/pensions? If so, I would definitely make use of the 403b space. The HLEIX fund...
by ieee488
Tue Sep 01, 2015 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contribute to an IRA and 401k?
Replies: 5
Views: 814

Re: Can I contribute to an IRA and 401k?

As long as you have earned income, you can contribute as much as $5,500 ($6,500 if 50+) in 2015 to a Roth IRA. Is this different for sole proprietorship? Roth contributions are restricted to people under certain income: http://www.irs.gov/Retirement-Plans/Amount-of-Roth-IRA-Contributions-That-You-C...
by ieee488
Tue Sep 01, 2015 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Avoiding wash sale in Roth IRA
Replies: 6
Views: 363

Re: Avoiding wash sale in Roth IRA

You don't have to worry about a wash sale with IRAs.
by ieee488
Mon Aug 31, 2015 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Voya retirement 401k help
Replies: 5
Views: 375

Re: Voya retirement 401k help

I would put 100% in Vanguard Balanced Index Fund since it is 60/40 stocks/bonds.
by ieee488
Mon Aug 31, 2015 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Pepsi 401K Questions
Replies: 11
Views: 565

Re: Pepsi 401K Questions

Grt2bOutdoors wrote:You already posted this exact question once earlier today, why are you posting it again?

The time stamp shows that this is the first post by 1 minute, but people started replying to the other one.
by ieee488
Mon Aug 31, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: How Do You Find Employment Today?
Replies: 18
Views: 1796

Re: How Do You Find Employment Today?

I found the extremely lengthy online application process for all of the major retailers to be completely useless. I got 1 interview out of it - Best Buy - and only because it was a job for their Geek Squad. I actually found a $13/hour job on Craigslist. Worked there for 3 months before I found a con...
by ieee488
Mon Aug 31, 2015 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Dell Laptop - Warranty Repair Experience
Replies: 7
Views: 648

Re: Dell Laptop - Warranty Repair Experience

I tried to do the BIOS reboot with F12 and F2 and I didn't see anything similar to "System Logs" or "thermal events". Any other suggestions? http://www.dell.com/support/article/us/en/19/SLN115162/ may be helpful Thanks, I did their comprehensive tests, it took several hours and ...
by ieee488
Mon Aug 31, 2015 10:34 am
Forum: Personal Finance (Not Investing)
Topic: Possibly switching insurance-- is it worth it? [Auto, homeowners, umbrella]
Replies: 6
Views: 531

Re: Possibly switching insurance-- is it worth it?

I switched my all my insurance from Amica to NJ Manufacturers earlier this year.
I have always had AAA. Never want to test the trustworthiness of the roadside assistance offered by the insurance companies.

I am surprised that you are not able to get better rates by going through one insurer.
by ieee488
Sun Aug 30, 2015 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Dell Laptop - Warranty Repair Experience
Replies: 7
Views: 648

Re: Dell Laptop - Warranty Repair Experience

Fat-Tailed Contagion wrote:I tried to do the BIOS reboot with F12 and F2 and I didn't see anything similar to "System Logs" or "thermal events".

Any other suggestions?


http://www.dell.com/support/article/us/en/19/SLN115162/ may be helpful
by ieee488
Sun Aug 30, 2015 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Will my portfolio work? (sanity check)
Replies: 17
Views: 1056

Re: Will my portfolio work? (sanity check)

How would you react should your $100K account drop to $80K ?
by ieee488
Sun Aug 30, 2015 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Question about making a contribution to a new Vanguard Roth IRA?
Replies: 1
Views: 156

Re: Question about making a contribution to a new Vanguard Roth IRA?

Assuming that your order to purchase the shares is processed tomorrow, the share price will be the price at close of trading day tomorrow (Monday).
by ieee488
Sun Aug 30, 2015 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: If you lost your job, what expenses would you keep/get rid of?
Replies: 27
Views: 2710

Re: If you lost your job, what expenses would you keep/get rid of?

Roth (dial down to $100/month for the time being if I could afford it. Otherwise I'd stop it for the time being) If you don't have earned income, you cannot contribute to a Roth IRA. Unemployment is unearned income. http://www.schwab.com/public/schwab/resource_center/expert_insight/ask_carrie/retir...
by ieee488
Sun Aug 30, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Charatable trust after death
Replies: 50
Views: 1362

Re: Charatable trust after death

I think that I can do more good if the DAF, Foundation, Endowment grows. One hundred thousand today is a large chunk but a 70/30 foundation worth 4 mill today could easily become massive in 50 to 100 years and it would be nice to have my name attached to it. Personally, I would rather that I *know*...
by ieee488
Sun Aug 30, 2015 10:36 am
Forum: Investing - Help with Personal Investments
Topic: No bond options in 401k, what to do?
Replies: 16
Views: 596

Re: No bond options in 401k, what to do?

Are you sure that the documentation that you received did not inclued expense ratios for the Federated capital preservation Federated treasury obligations ? If you absolutely want bonds in your 401K - we have no idea what is in the rest of your portfolio - then I would either chose the "Low Ris...
by ieee488
Sun Aug 30, 2015 10:22 am
Forum: Investing - Help with Personal Investments
Topic: 401K Review
Replies: 3
Views: 193

Re: 401K Review

Current 401K Portfolio: Oppenheimer Global Strategic Income I (Exp: 0.55%) - OPSIX - 10% allocation Northern Trust S&P 500 (0.02%) - NOSIX - 15% Principal Large Cap Growth (0.65%) - PLGIX - 15% Voya Clarion Global Real Estate (0.75%) - IRGIX - 10% Neuberger Berman Genesi...
by ieee488
Sun Aug 30, 2015 9:10 am
Forum: Investing - Help with Personal Investments
Topic: No bond options in 401k, what to do?
Replies: 16
Views: 596

Re: No bond options in 401k, what to do?

dbadalam wrote:If this was your 401k, what would you do in regards to AA?


You have provided no useful information about your 401K.

And the AA is separate issue from what funds to choose in 401K.
by ieee488
Sun Aug 30, 2015 9:07 am
Forum: Investing - Help with Personal Investments
Topic: 401K Review
Replies: 3
Views: 193

Re: 401K Review

Where are the expense ratios?
by ieee488
Sat Aug 29, 2015 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Charatable trust after death
Replies: 50
Views: 1362

Re: Charatable trust after death

obgyn65 wrote:Please can you post a reliable link on this topic ? I would like to read more about these funds but don't know where to start. Thanks.

You might want to read http://www.cnbc.com/2014/12/15/the-pros ... funds.html
by ieee488
Sat Aug 29, 2015 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard's i401k contribution calculator incorrect?
Replies: 5
Views: 347

Re: Is Vanguard's i401k contribution calculator incorrect?

SInce I don't have a 401K with my W-2 job, looks like the online calculators will work for me.
by ieee488
Sat Aug 29, 2015 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Charatable trust after death
Replies: 50
Views: 1362

Re: Charatable trust after death

How much money are we talking about?
by ieee488
Sat Aug 29, 2015 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard's i401k contribution calculator incorrect?
Replies: 5
Views: 347

Re: Is Vanguard's i401k contribution calculator incorrect?

Did I do my research correctly and is the Tax Act employer portion contribution amount correct while the Vanguard calculator is incorrect? Generic calculators don't deal with part-time side business very well. Try my calculator: https://docs.zoho.com/sheet/published.do?rid=hd3vb2c79aa2e630443d58a05...
by ieee488
Sat Aug 29, 2015 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Poor quality investment choices at work
Replies: 17
Views: 901

Re: Poor quality investment choices at work

What is wrong with UC DOM EQ INDEX 0.15% ???
It seems that you didn't pay attention to what it is.
by ieee488
Sat Aug 29, 2015 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k Investment Options
Replies: 7
Views: 353

Re: Help with 401k Investment Options

You should post the expense ratios not the share prices. Anyway, looking at that list, the ones you want consider are Vanguard Total Intl Stock Index Admiral Vanguard Extended Market Idx Adm Vanguard Total Bond Market Index Admiral Disappointing that they don't have the Vanguard Total Stock Market I...
by ieee488
Fri Aug 28, 2015 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: my retired mother's predicament
Replies: 55
Views: 6856

Re: my retired mother's predicament

clip651 wrote:Ashley -
I hope I didn't scare you away by asking for more complete info. Please continue to post updates and questions.
cj


I think it is important to ask for the complete information.

If nothing else, Ashley should have this information for her own benefit.
by ieee488
Fri Aug 28, 2015 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Please review my varied portfolio
Replies: 2
Views: 230

Re: Please review my varied portfolio

The only ones I would keep. Vanguard Institutional Index Instl PI VIIIX 0.02% Blackrock Bond Index Fund 0.10% Spartan® 500 Index Fund - Institutional Class FXSIX 0.05% Vanguard Extended Market Index Fund Institutional Shares VIEIX 0.08% adjust percentages based on your asset allocation target.
by ieee488
Thu Aug 27, 2015 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Any minimum income for Obamacare subsidies?
Replies: 30
Views: 2097

Re: Any minimum income for Obamacare subsidies?

muddlehead wrote:How does zero income pertain to a poverty level chart?


Huh?
by ieee488
Thu Aug 27, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Any minimum income for Obamacare subsidies?
Replies: 30
Views: 2097

Re: Any minimum income for Obamacare subsidies?

muddlehead wrote:Lets forget this FPL 100% whatever cr*p. Irrelevant to what your asking. Unnecessarily confuses the issue. Can you make zero income and not be in the Medicaid subsidy arena? Don't know.

Huh?
by ieee488
Thu Aug 27, 2015 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Any minimum income for Obamacare subsidies?
Replies: 30
Views: 2097

Re: Any minimum income for Obamacare subsidies?

interesting.. so I tell them my income estimate for 2016 is the same as 2015, i still get the subsidies for 2016? it'll be 2017 that they will start questioning my subsidies since they will have my 2015 tax return by then? (i always file an extension and don't file my tax returns till Oct thus my r...
by ieee488
Thu Aug 27, 2015 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can I contribute to an IRA and 401k?
Replies: 5
Views: 814

Re: Can I contribute to an IRA and 401k?

As long as you have earned income, you can contribute as much as $5,500 ($6,500 if 50+) in 2015 to a Roth IRA.
by ieee488
Wed Aug 26, 2015 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help getting off the sideline
Replies: 16
Views: 2448

Re: Help getting of the sideline

expense ratios please
by ieee488
Wed Aug 26, 2015 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: my retired mother's predicament
Replies: 55
Views: 6856

Re: my retired mother's predicament

ashleyk23 wrote:I found one of her long-term investments worth 6.7K to still be in the green about $500, but was $1000. Do you think it's wise to sell it off right now?

Yes.
by ieee488
Wed Aug 26, 2015 8:28 am
Forum: Investing - Help with Personal Investments
Topic: I made a mistake, how do I make the best of it? [Tax gain harvesting]
Replies: 18
Views: 2302

Re: I made a mistake, how do I make the best of it?

overst33r wrote:Can I carry it over for another year, similar to carrying losses?

No.
by ieee488
Tue Aug 25, 2015 9:59 am
Forum: Personal Finance (Not Investing)
Topic: worth of benefits package
Replies: 14
Views: 2008

Re: worth of benefits package

I seem to recall an email from a previous employer touting the dollar amount and the math seemed to work out to about 1/3.
I wish I had kept it.

http://www.bankrate.com/finance/financi ... efits.aspx
by ieee488
Tue Aug 25, 2015 9:55 am
Forum: Personal Consumer Issues
Topic: Ant Control
Replies: 65
Views: 5854

Re: Ant Control

Earlier this spring we had a lot rain so the ants appeared.
After the weather dried out, they were gone.
I did put Terro liquid ant bait all around the outside of the house, but I don't think that is what stopped them.
by ieee488
Tue Aug 25, 2015 8:12 am
Forum: Investing - Help with Personal Investments
Topic: non-retirement or retirement account?
Replies: 6
Views: 336

Re: non-retirement or retirement account?

You cannot contribute to an IRA - traditional or Roth, if you do not have earned income.
SSDI is not considered earned income by the IRS.

You however can open a taxable account.
by ieee488
Tue Aug 25, 2015 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Is Roth right for me?
Replies: 7
Views: 456

Re: Is Roth right for me?

Why $4500 for Roth?
The maximum for someone over 50 in 2015 is $6500.
by ieee488
Mon Aug 24, 2015 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Advice?
Replies: 2
Views: 218

Re: 401K Advice?

Vanguard Target Fund 20xx depending your desired asset allocation ratio.
by ieee488
Mon Aug 24, 2015 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: worth of benefits package
Replies: 14
Views: 2008

Re: worth of benefits package

mhc wrote:My W-2 for 2014 had a box for how much the employer contributed to my insurance. Do you have a W-2 from last year?

No, I haven't worked W-2 with insurance since 2013.

Am trying to figure out how to convert contract hourly rate to salary plus benefits.
by ieee488
Mon Aug 24, 2015 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Using the market correction as an advantage when changing mutual funds to index
Replies: 8
Views: 1010

Re: Using the market correction as an advantage when changing mutual funds to index

Please list the fund names and not just the symbols. Also, please *all* of the funds available in your 401K. Added the full fund names. The list of funds available to me is about 25 pages long in a word document. I assumed that would hinder the reading of this thread. If there's a place for attachm...
by ieee488
Mon Aug 24, 2015 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: worth of benefits package
Replies: 14
Views: 2008

worth of benefits package

I am trying to figure out the approximate worth of a company's benefit package.

I found https://www.calcxml.com/calculators/total-compensation , but I don't know what to put in for the insurance benefits.

I have read in the past that rule-of-thumb, the number is approximately 1/3 of salary.
by ieee488
Mon Aug 24, 2015 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Using the market correction as an advantage when changing mutual funds to index
Replies: 8
Views: 1010

Re: Using the market correction as an advantage when changing mutual funds to index

Please list the fund names and not just the symbols.

Also, please *all* of the funds available in your 401K.
by ieee488
Mon Aug 24, 2015 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: new to the game of DIY
Replies: 11
Views: 706

Re: new to the game of DIY

Way too many funds in both HIS and HERS retirement funds.
by ieee488
Mon Aug 24, 2015 8:07 am
Forum: Investing - Help with Personal Investments
Topic: Advice on investing.in.mutual.funds
Replies: 10
Views: 481

Re: Advice on investing.in.mutual.funds

Hi. I am a novice when.it.comes to all things financial. Looking for advice.on investing.in mutual funds vs etfs for my.401k. Should I wait.to closer to end.of.the year to.invest? Im looking to.open a sol 401k as I am self employed and can just put.18k or more if.I decide to match through company c...
by ieee488
Sun Aug 23, 2015 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review (Just Getting Started)
Replies: 6
Views: 565

Re: Portfolio Review (Just Getting Started)

Anyone else with thoughts on replicating my intended asset allocation across all accounts vs. individually? Should I have a priority on placing riskier assets within the Roth IRA and HSA since I don't intend to touch either account except in an emergency situation? If so, since my 401(k) bond fund ...
by ieee488
Sun Aug 23, 2015 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Transfer old 401k from Prudential into what?
Replies: 10
Views: 658

Re: Transfer old 401k from Prudential into what?

funnyguitar wrote:Risk Tolerance: getting gutsy NOW with more risk tolerance


As a sole breadwinner, I am not sure that this is the approach to take.
by ieee488
Sun Aug 23, 2015 9:52 am
Forum: Personal Consumer Issues
Topic: Smartphone woes
Replies: 12
Views: 1856

Re: Smartphone woes

I purchased a Verizon Prepaid Moto E 4G LTE at Wal-Mart last week. I plan to eventually put it on TracFone's Verizon BYOP plan to use as a back-up phone. But, what I wanted to say is that the first thing I did before I even booted the phone for the first time was to remove the Verizon SIM card. Onc...
by ieee488
Sun Aug 23, 2015 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Transfer money to online bank account
Replies: 16
Views: 1561

Re: Transfer money to online bank account

P.S. See if you can do a pull from the online savings account That is my experience. The online bank pulls money from the regular bank account. Thanks ieee488! Could you say a bit more about how it 'pulls money from the regular bank account' ? Do you mean it might not be easy to take the money out ...
by ieee488
Sat Aug 22, 2015 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer money to online bank account
Replies: 16
Views: 1561

Re: Transfer money to online bank account

telemark wrote:P.S. See if you can do a pull from the online savings account

That is my experience.
The online bank pulls money from the regular bank account.
by ieee488
Sat Aug 22, 2015 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: 23 Y.O. Intermediate-Long Term Investment Plan with 200k Help!!
Replies: 2
Views: 445

Re: 23 Y.O. Intermediate-Long Term Investment Plan with 200k Help!!

MarcoMas8 wrote: I do plan on meeting with a brokerage account manager to review my goals and what I would like to achieve.


The Boglehead question to this statement is WHY?

https://www.bogleheads.org/wiki/Getting_started
by ieee488
Sat Aug 22, 2015 3:32 pm
Forum: Personal Consumer Issues
Topic: time for a new car?
Replies: 26
Views: 2485

Re: time for a new car?

randomguy wrote:You would get a much safer car (I don't think any of the 2004s had esc)

THIS would be the reason I would buy.
No, no Electronics Stability Control on my Honda and also no side head airbags.

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