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Re: Army Vet looking for some investment help

Read the wiki pages on the following topics: Three fund portfolio Approximating the total stock market Tax efficient fund placement Foreign tax credit Tax loss harvesting The three fund portfolio will simplify much of your portfolio. The answers to questions 1-3 are in the last three pages. Q4: If y...
by investor1
Thu Feb 26, 2015 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Army Vet looking for some investment help
Replies: 3
Views: 193

Re: Vanguard Strikes Back With Lower Target-Date Fees

In addition to creating a new, lower-cost series, Vanguard will be making a change to the strategic allocation of its multiasset lineup. By the end of 2015, the funds will boost their international-stock stake to 40% of stocks from 30%, and they will increase their international-bond exposure to 30...
by investor1
Thu Feb 26, 2015 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 55
Views: 3002

Re: Vanguard Strikes Back With Lower Target-Date Fees

If I had $100M to invest, I don't think I would be very worried about fees eating through my savings and affecting my ability to retire at age X rather than Y. I could retire today and my family would be well off for generations.
by investor1
Thu Feb 26, 2015 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 55
Views: 3002

Re: "The world's largest non-commercial financial forum".

I like it the way it is. Let the content speak for itself.

It is a nice accomplishment though :)
by investor1
Thu Feb 26, 2015 1:58 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: "The world's largest non-commercial financial forum".
Replies: 24
Views: 1501

Re: Cell phones at high end restaurants. Should be a rule.

^ Exactly. You sat there and let it ruin your experience. You didn't say anything to the people who were distrubing you or to the employees of the resturant. Instead, you logged in online to vent to random people on the internet who can't do anything for you. Next time, just say something and enjoy ...
by investor1
Wed Feb 25, 2015 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Cell phones at high end restaurants. Should be a rule.
Replies: 10
Views: 889

Re: Cell phones at high end restaurants. Should be a rule.

Did you say anything to the individuals being loud?
by investor1
Wed Feb 25, 2015 6:59 pm
 
Forum: Personal Consumer Issues
Topic: Cell phones at high end restaurants. Should be a rule.
Replies: 10
Views: 889

Re: Allocations and Accounts

Read the wiki page on tax efficient fund placement. Also, have a look at the pages for the foreign tax credit and tax loss harvesting.
by investor1
Wed Feb 25, 2015 4:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Allocations and Accounts
Replies: 3
Views: 271

Re: Should I shut off water in a vacant home in winter?

I would bet a nickel there is a shutoff value that leaves the boiler on while the rest of the house is off.
by investor1
Wed Feb 25, 2015 11:36 am
 
Forum: Personal Consumer Issues
Topic: Should I shut off water in a vacant home in winter?
Replies: 15
Views: 1330

Re: Preventing IRS Fraud

It is my belief that paying estimated taxes could possibly shield you from tax refund fraud. At the very least, knowing how much you paid in advance via estimated taxes should certainly prove your identity. No fraudster would ever include estimated tax payments in a bogus tax return. I suspect that...
by investor1
Wed Feb 25, 2015 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: [Protection against fraudulent IRS tax returns]
Replies: 39
Views: 1582

Re: Within sight of retirement, need to make changes

That makes sense to me. Best of luck to you, and enjoy!
by investor1
Tue Feb 24, 2015 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Within sight of retirement, need to make changes
Replies: 8
Views: 1480

Re: Mom Asked Me For Help - I Need Your Help

You are saying she wants about $13K/year more than her social security and she has $900,000 in cash and $1,000,000 in investments. With all due respect, what is the question? In twenty years of spending that amount she would make no more than a modest dent in her cash assets alone and her investmen...
by investor1
Tue Feb 24, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mom Asked Me For Help - I Need Your Help
Replies: 7
Views: 871

Re: New to the Workforce - 401k/IRA Advice Needed

IMO, your 401k isn't great. I think you are a good candidate to contribute enough to get the company match, fill up a Roth IRA, then go back to the 401k if you still have money to contribute. I'd meet my asset allocation across the portfolio rather than in each account. The s&p tracker is the ch...
by investor1
Tue Feb 24, 2015 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to the Workforce - 401k/IRA Advice Needed
Replies: 3
Views: 148

Re: How to compute my retirement amount, and am I saving eno

That being said, I think it is a good idea to understand how to get the money out before you decide to put it in even if those rules change over time. What do you mean by this exactly? Right now my understanding is that if you withdraw too early, you pay a 10% penalty or something like that. But at...
by investor1
Tue Feb 24, 2015 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to compute my retirement amount, and am I saving enough?
Replies: 66
Views: 2948

Re: How to compute my retirement amount, and am I saving eno

I'll add that others are making a very good point about this not being something you can predict so far in advance. Come up with a sound investment plan, contribute as much as you can while living happily, and stick to the plan. That's retirement saving for ya. That being said, I think it is a good ...
by investor1
Tue Feb 24, 2015 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to compute my retirement amount, and am I saving enough?
Replies: 66
Views: 2948

Re: How to compute my retirement amount, and am I saving eno

Have you ever done your own taxes? Everyone gets to choose between the standard deduction or itemized deductions. Everyone is also eligible for exemptions if they meet the requirements for those exemptions. Yes, these are all deducted from your taxable income. The standard deduction and one exempti...
by investor1
Tue Feb 24, 2015 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to compute my retirement amount, and am I saving enough?
Replies: 66
Views: 2948

Re: How to compute my retirement amount, and am I saving eno

Have you ever done your own taxes? Everyone gets to choose between the standard deduction or itemized deductions. Everyone is also eligible for exemptions if they meet the requirements for those exemptions. Yes, these are all deducted from your taxable income. The standard deduction and one exemptio...
by investor1
Tue Feb 24, 2015 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to compute my retirement amount, and am I saving enough?
Replies: 66
Views: 2948

Re: How to compute my retirement amount, and am I saving eno

State (assuming rates here http://www.bankrate.com/finance/taxes/state-taxes-new-jersey.aspx ): $20000 * (.014) + $15000 * (.0175) + $1000 * (.035) = $577.5 / year to state taxes I don't know where the $1k came from. Other than that, it looks right to me. Don't forget about tax deductions and exemp...
by investor1
Tue Feb 24, 2015 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to compute my retirement amount, and am I saving enough?
Replies: 66
Views: 2948

Re: How to compute my retirement amount, and am I saving eno

Yes, withdrawals from your tax deferred accounts are taxed as income. You'll pay income taxes to both the feds and the state (if you continue to live in a state that has income tax). Both use marginal tax brackets. Yes, you are correct with the rates given that amount for your state income tax bill....
by investor1
Tue Feb 24, 2015 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to compute my retirement amount, and am I saving enough?
Replies: 66
Views: 2948

Re: Boglehead quotes

sschullo wrote:
abuss368 wrote:
Taylor Larimore wrote:Stocks let us eat well. Bonds let us sleep well.


That was one of my favorites.

+2

Well said.
by investor1
Tue Feb 24, 2015 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: [favorite] Boglehead quotes
Replies: 42
Views: 3863

Re: How to compute my retirement amount, and am I saving eno

You seem to realize the importance of contributing as much as possible to your retirement accounts. That's the biggest factor to success. You're here which means you'll learn the importance of minimizing taxes and fees which is the second biggest factor. You still have 30+ years until retirement. Yo...
by investor1
Tue Feb 24, 2015 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: How to compute my retirement amount, and am I saving enough?
Replies: 66
Views: 2948

Re: Making my accounts more tax efficient

That's not easy to read. There is a sticky in the help with personal investments forum that contains a standard format to use when asking portfolio questions. It requests you post them by account among other things. You'll likely get better feedback if you edit your post to match the standard format...
by investor1
Mon Feb 23, 2015 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Making my accounts more tax efficient
Replies: 2
Views: 353

Re: Within sight of retirement, need to make changes

Your portfolio seems complicated to me. You have a lot of accounts and seem to have different investment styles in each. I would look to simply by putting all of her IRAs at Fido (since she apparently wants to stay with them), and move all of your IRAs and your 401k into IRAs at Vanguard. That will ...
by investor1
Mon Feb 23, 2015 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Within sight of retirement, need to make changes
Replies: 8
Views: 1480

Re: Thoughts on investing in Uber

Uber doesn't offer anything of value that hasn't been available for a very long time from cab services. They are popular simply because they offer those services cheaper. They accomplish this through less regulation and a lack of unions. It isn't difficult to image cab services making changes to low...
by investor1
Mon Feb 23, 2015 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on investing in Uber
Replies: 18
Views: 1393

Re: Early hurdles in savings/ budgeting for 22 yr old.

1. Take as much as you can each month and payoff that CC debt. 2. Build an emergency fund. Your expenses are said to be $2200/month. $2200*6=$13200. You have an extra $1000/month, so that'll take you about 13 months to accomplish. 3. Who knows what will happen in the next 15 or so months that it tak...
by investor1
Mon Feb 23, 2015 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Early hurdles in savings/ budgeting for 22 yr old.
Replies: 11
Views: 891

Re: What are the Admiral shares?

If you do end up replicating the TD fund, consider using ETFs for the funds that you are under the minimum requirement for Admiral shares. Last time I checked, ETFs had the same ER as the admiral shares for TSM, TISM, TBM, and TIBM.
by investor1
Mon Feb 23, 2015 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are the Admiral shares? [Portfolio help]
Replies: 50
Views: 3347

Re: newbie portfolio for your entertainment

Oh, and you can put $18k in your 403b for 2015. Put an extra $500 in there!
by investor1
Mon Feb 23, 2015 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: newbie portfolio for your entertainment
Replies: 4
Views: 469

Re: newbie portfolio for your entertainment

#1 What do you mean backdoor another Roth? You are not married and are already making "Roth" contributions. I assume that means through the backdoor and that it is a Roth IRA. If that's the case, you are already using your IRA space. You can't open another. You have a 30 year loan on your ...
by investor1
Mon Feb 23, 2015 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: newbie portfolio for your entertainment
Replies: 4
Views: 469

Re: What is your favorite consumer product?

The internet.
by investor1
Sun Feb 22, 2015 9:39 pm
 
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 143
Views: 8046

Re: What % of your gross income do you spend on mortgage/ren

Rent + utilities = 7%. I'm saving for a house which will end up taking up 30% of my income with about 18% going toward principle and interest.
by investor1
Sat Feb 21, 2015 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 151
Views: 8024

Re: why do some people like Fidelity?

Fido gives me access to a TSM CIT for 0.02% and a TBM CIT for 0.03% :sharebeer
by investor1
Sat Feb 21, 2015 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6612

Re: Eek - I was terminated!! Quick Questions

Having a Rollover IRA will interfere with Backdoor Roth IRA, if that's something you think you might do someday. I would add the money to your emergency fund. Often if layoffs come it's last in - first out, so you're more vulnerable to a layoff at your new job until you get up to speed and contribu...
by investor1
Thu Feb 19, 2015 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eek - I was terminated!! Quick Questions
Replies: 21
Views: 2998

Re: To all: How have you used your emergency fund?

I haven't used it. I have a general savings account in addition to the EF. I have had sudden expenses come up, but I've always been able to cover that using general savings.
by investor1
Thu Feb 19, 2015 4:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: To all: How have you used your emergency fund?
Replies: 40
Views: 2823

Re: Eek - I was terminated!! Quick Questions

Everyone telling you about the EF vs car loan is right. AFAIK, GW 401ks aren't exactly the cheapest around. You already have a new job. Is there a new 401k? Is it good? Can you roll your old one into the new one? Otherwise, yes, rolling it into an IRA would be a great thing to do. I believe you can ...
by investor1
Thu Feb 19, 2015 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eek - I was terminated!! Quick Questions
Replies: 21
Views: 2998

Re: Choosing a Backpack and other Gear for el Camino

REI makes good micro-fiber towels. I have one. I use while I travel often. If you spread it out and hang it up, it usually dries within an hour. It'll be much faster if you put it somewhere where it can be hit by a breeze or a vent. Depending on where I am when I am backpacking, I typically just han...
by investor1
Thu Feb 19, 2015 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Choosing a Backpack and other Gear for el Camino
Replies: 71
Views: 4712

Re: The 8x retirement savings rule

I think thinking about retirement savings in terms of gross income is the wrong way to think about retirement savings. It's more about expenses.
by investor1
Wed Feb 18, 2015 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: The 8x retirement savings rule
Replies: 83
Views: 7546

Re: Mortgage Advice - First Time Homebuyer

You should always have an emergency fund. Build a good six months worth of expenses (many people here have much more than that). Also, plan of saving 1.5% of the purchase price each year for repairs and maintenance. Don't take advice from a real estate agent or loan officer regarding how much to bor...
by investor1
Wed Feb 18, 2015 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Advice - First Time Homebuyer
Replies: 10
Views: 741

Re: How often and how much should I raise the rent?

I'm not a landlord. If you want a renter's perspective, I've been renting from private home owners for about ten years. My rent has never been raised, but I probably fall under the category of a good renter. I pay on time every month without being reminded. I like to live in a nice home, so I keep t...
by investor1
Tue Feb 17, 2015 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How often and how much should I raise the rent?
Replies: 25
Views: 1595

Re: 401(k) Advice for 2015

It looks like you are invested fully in the 2030 TD fund. Where are the penny stocks coming from? Is that retirement money? Why buy penny stocks? Why not just stick to the plan? Why are you in the 2030 TD fund if you are 30 years old? Do you plan on retiring at 45? Your contribution rate looks good!
by investor1
Tue Feb 17, 2015 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Advice for 2015
Replies: 11
Views: 1411

Re: Newbie Investor Here - Some Boglehead and Vanguard Quest

1. You did not post your income level, so make sure you are under the IRA phaseout. If so, yes, you can open a Roth IRA before the tax deadline and plop last year's max into it as a contribution for last year, then contribute another $5.5k for 2015. I basically did the same thing when I opened my Ro...
by investor1
Sun Feb 15, 2015 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Investor Here - Some Boglehead and Vanguard Questions
Replies: 4
Views: 337

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Signed.

We're going to need A LOT more months and there is only one month left. We need more than 99,000 additional votes.
by investor1
Sun Feb 15, 2015 4:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 164
Views: 8934

Re: Portfolio Advice

IMHO, you have way too much cash vs assets. You're losing money. I think you should reconsider your AA. Maybe keep 3-5 years worth of expenses in cash to whether a recession and keep the rest of the money invested according to the AA you are comfortable with. Since you contribute to a workplace reti...
by investor1
Sun Feb 15, 2015 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 5
Views: 514

Re: Home-visit computer repair options

Do you know anyone in the area? Maybe someone with teenage kids that are into computers? If so, you could probably pay them like $50 or whatever to go over and try to figure it out. Beyond that, I think it might be worth it to pay Geek Squad or whoever you end up going with in this case. You could b...
by investor1
Sun Feb 15, 2015 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 836

Re: 401k fees. should wife max out 401k?

Are the fees she is being charged a percentage of the asset value held in the account or is she paying a flat fee? Do you have any other tax advantaged space that isn't filled? If you are unsure, tell us which tax advantaged space your are using.
by investor1
Sun Feb 15, 2015 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k fees. should wife max out 401k?
Replies: 21
Views: 1105

Re: HSA account and Roth index fund choice

You aren't doing anything bad. Bond are the least tax efficent, so put those in tax advantaged accounts (where your cheaper total bond fund is). If you have international stock, you can leverage the foreign tax credit if you put those in a taxable account. After that, just fill the remaining space b...
by investor1
Sun Feb 15, 2015 11:47 am
 
Forum: Investing - Theory, News & General
Topic: HSA account and Roth index fund choice
Replies: 2
Views: 253

Re: Help with personal portfolio please!

I will be ineligible for a Roth IRA due to my income in 2015. I re-characterized in 2014 because I usually front load and ended up landing somewhere in the phase out. Okay, so you should be doing a backdoor Roth now. If you want to front load this year, plop your money in there along with what is a...
by investor1
Sun Feb 15, 2015 1:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with personal portfolio please!
Replies: 16
Views: 1449

Re: Overfilled Oil in Car - Cause of Oil Leak?

The people who change their oil themselves are not qualified mechanics and don't really follow the necessary procedures. True, but they're not paying someone else to do it, under the impression it's being done correctly. If you screw up your car, then it's your own fault :D Not true. It doesn't tak...
by investor1
Sat Feb 14, 2015 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Overfilled Oil in Car - Cause of Oil Leak?
Replies: 29
Views: 1550

Re: Help with personal portfolio please!

Given a rather crappy 401k, I'd probably just move everything in there to the S&P fund. The problem comes in later when your 401k makes up a great portion of your retirement assets and you have already bought all of the domestic stock according to your AA and still have funds in that account. Yo...
by investor1
Sat Feb 14, 2015 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with personal portfolio please!
Replies: 16
Views: 1449

Re: Help with personal portfolio please!

You didn't post your current income level, so we don't know if you are in or above the IRA phaseout. If not, you don't need to backdoor anything right now. The advice to convert your tIRA to a Roth now is because you said you are in the 28% bracket which means you might find yourself in or above the...
by investor1
Sat Feb 14, 2015 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with personal portfolio please!
Replies: 16
Views: 1449

Re: What to do with 20K in cash?

You should leave your EF in a savings account, CD, or I bonds/TIPS. If your current account is not giving you enough (taxable) interest for your liking, switch to a higher interest savings account.
by investor1
Sat Feb 14, 2015 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 20K in cash?
Replies: 21
Views: 2227

Re: Help with personal portfolio please!

Are those all of the funds available in your 401k or just the funds you are already invested in? If there are other options, post them. Since you have a taxable account, read the wiki pages on tax efficent fund placement, tax loss harvesting, and the foreign tax credit. Use the latter two to help ge...
by investor1
Sat Feb 14, 2015 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with personal portfolio please!
Replies: 16
Views: 1449
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