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Re: 401k Question, After Leaving Employer

I make slightly over 100k, I got confused and actually don't have a roth IRA just the 401k contributions from my previous employer (around 70k in contributions). I expect my income to stay around the same in the next 5 years. The IRA phaseout for Roth contributions starts at an AGI of $114k for sin...
by investor1
Sun Sep 21, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Question, After Leaving Employer
Replies: 7
Views: 344

Re: 401k Question, After Leaving Employer

Your options are: Leave it alone Roll it into an IRA Roll it into the new 401k You didn't give us enough information to provide a good answer. You said it is in a VG TD fund, so I assume the fees are low. I assume they are the same they would be with a VG IRA. What are the fees like in the new 401k?...
by investor1
Sun Sep 21, 2014 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Question, After Leaving Employer
Replies: 7
Views: 344

Re: inherited 500k, still a college student, how to invest??

How much do you plan on putting aside to cover current spending? Have you setup an emergency fund yet? Do you have money put aside for known future expenses such as your next car, etc.? Do you plan on using any of this money to buy a house? How much are you looking to invest? Will the investment be ...
by investor1
Sun Sep 21, 2014 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 36
Views: 1786

Re: New Investor begging for input

I think you can spend a couple of hours on the wiki on this site and learn a lot. There is a link in the upper left hand section of the home page that says "Start Here". Start there. Beyond that, there are a number of terms used in this thread already that are also well described on the wi...
by investor1
Sun Sep 21, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor begging for input
Replies: 24
Views: 597

Re: New Investor begging for input

Should I utilize the fidelity 401K for max return(thus go for 100% Sp500) or go for 100% safety in 401K and go with bonds? That depends which assets you hold elsewhere. Read the wiki on tax efficient fund placement and decide how much of tax advantaged space you will use versus other accounts. You ...
by investor1
Sun Sep 21, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor begging for input
Replies: 24
Views: 597

Re: New Investor begging for input

You will likely have a taxable account in the mix, but I wouldn't jump into that for now. You can do that anytime without losing tax advantaged space. Read the wiki on tax efficient fund placement so you understand how to lower your tax bill. You will likely want to hold a lot of bonds in your 401k....
by investor1
Sun Sep 21, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor begging for input
Replies: 24
Views: 597

Re: Two Fund real Lazy Portfolio?

I strongly considered a two fund'er that consists of TSM and TBM. However, I think the global enconomy is going to grow significantly during my working career, mainly in Asia. That's the main reason why I want international exposure. Between outsourcing in the US and Europe, economic development in ...
by investor1
Sat Sep 20, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 36
Views: 4423

Re: How to achieve a balance between "saving" and "living"?!

It is too personal a question to provide a board answer. You may be max'ing out the retirement accounts now, but maybe in five years you have a house and a mortgage to pay. Maybe five years later you have a stay at wife and two kids. Maybe you won't always be able to do what you do today. It is good...
by investor1
Fri Sep 19, 2014 10:44 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 47
Views: 4077

Re: Rebalancing questions / Should I change the complexity?

I would not do anything for 7bp. That is negligible in my opinion. If you change, it should be because you are more comfortable with a different investment(s). Yep, the thought was more along the lines of "Hmm, I'm paying more for things I don't want." It would be easier if I could automa...
by investor1
Fri Sep 19, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing questions / Should I change the complexity?
Replies: 6
Views: 364

Re: Rebalancing questions / Should I change the complexity?

I guess I should also point out that these are not mutual funds. I believe they are CIT funds, so they are a little less expensive, but also less regulated which is part of the reason that I don't want to be in so many of these.
by investor1
Fri Sep 19, 2014 6:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing questions / Should I change the complexity?
Replies: 6
Views: 364

Rebalancing questions / Should I change the complexity?

My 401k offers target date and life strategy funds that put me into, IMO, a mess of assets classes that consist of the following: US stock market US bond market International stock market Emerging markets Balanced exposures fund REITs International REITs Commodities I don't know why I would want mos...
by investor1
Fri Sep 19, 2014 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing questions / Should I change the complexity?
Replies: 6
Views: 364

Re: Need urgent help for 85 y.o. parents just moved to Vangu

My initial plan, after reading through everything I could, both here and elsewhere, was to sell everything in the IRA and the Taxable (I already sold the IRA investments an hour ago), then sell the maximum I can of IBM this year, without pushing them into the 25% tax bracket, then sell more of IBM ...
by investor1
Fri Sep 19, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need urgent help for 85 y.o. parents just moved to Vanguard
Replies: 62
Views: 3351

Re: We have a grocery problem...

Switch to cash. Split the cash up between the two of you each week. If you are watching your roll shrink as the week goes by, you will likely change your behavior and spend less. I also go to the grocery store frequently since I'm bad about letting food go to waste (I tend to eat out a lot). Watchin...
by investor1
Fri Sep 19, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 95
Views: 5855

Re: Need urgent help for 85 y.o. parents just moved to Vangu

The capital loss in that taxable account image you posted don't look that bad. Sell it all, write off the loss, and follow your investment plan. If it were me, I wouldn't wait for the IRA's assets to recover either. Follow the plan. Write off zero - sell all of the taxable positions, including enou...
by investor1
Fri Sep 19, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need urgent help for 85 y.o. parents just moved to Vanguard
Replies: 62
Views: 3351

Re: Need urgent help for 85 y.o. parents just moved to Vangu

Thanks for the info on how capital gains affect AGI. I've learned something today.
by investor1
Fri Sep 19, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need urgent help for 85 y.o. parents just moved to Vanguard
Replies: 62
Views: 3351

Re: Need urgent help for 85 y.o. parents just moved to Vangu

The capital loss in that taxable account image you posted don't look that bad. Sell it all, write off the loss, and follow your investment plan. If it were me, I wouldn't wait for the IRA's assets to recover either. Follow the plan.
by investor1
Fri Sep 19, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need urgent help for 85 y.o. parents just moved to Vanguard
Replies: 62
Views: 3351

Re: Need urgent help for 85 y.o. parents just moved to Vangu

That is a lot of info to digest :) Get the budget figured out, and get the mortgage figured out. If your brother is paying it, let him continue to do so. If he stops, have a plan such as selling his house and paying the debt, but if he is paying it, don't worry about it. Once you know how much the n...
by investor1
Fri Sep 19, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need urgent help for 85 y.o. parents just moved to Vanguard
Replies: 62
Views: 3351

Re: Real Estate Question

Seeing that you are only getting 3-4%, I think your money is better off invested elsewhere. Your wife doesn't want to downgrade, so I'd forget about that and just sell the rental property. No more rental property to manage or property managers to deal with. There is your simplicity. List it, sell it...
by investor1
Wed Sep 17, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Question
Replies: 21
Views: 1608

Re: Buying First Home Questions

sjb19 wrote:
jtayl71 wrote:...
His Income: 75k
Her Income: 75k
Tax %: 25% bracket (once married most likely 28% due to small raises at beginning of year)

Off topic, but I can't imagine this is true, given the salaries you listed.

It seems right to me after 401k contributions.
by investor1
Wed Sep 17, 2014 1:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home Questions
Replies: 29
Views: 1580

Re: Buying First Home Questions

I guess I should add that I think you two are young for buying a house. There is a big world out there, and it is nice not to be tied down to one place that eats up a huge chunk of your monthly income. Go explore and learn about life. Most people find that much more fun than paying the bank. But as ...
by investor1
Wed Sep 17, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home Questions
Replies: 29
Views: 1580

Re: Buying First Home Questions

If you want a house, buy a house. Don't think of it as an investment. Don't try to time the market. Don't buy it if you don't want it. Think of it as something that fits in well with your current lifestyle and a stable place to stay in retirement. Figure out how much you want to put into housing cos...
by investor1
Wed Sep 17, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Buying First Home Questions
Replies: 29
Views: 1580

Re: Should I roll over my 58 year old mom's 401k?

For the old 401k, you won't be able to change anything unless you move the money elsewhere, and that MM fund isn't doing her very much. I think you should move it and re-invest it. Why would you say this? OP's mom appears to have been negligent leaving it all in a money market, but all she has ever...
by investor1
Tue Sep 16, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 819

Re: Should I roll over my 58 year old mom's 401k?

You should be able to tell fido what you want to invest in. Even if they give you something else, you can always change it with a few clicks.
by investor1
Tue Sep 16, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 819

Re: Should I roll over my 58 year old mom's 401k?

For the old 401k, you won't be able to change anything unless you move the money elsewhere, and that MM fund isn't doing her very much. I think you should move it and re-invest it. Why would you say this? OP's mom appears to have been negligent leaving it all in a money market, but all she has ever...
by investor1
Tue Sep 16, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 819

Re: Strange Billing Practice by Medical Provider

aude wrote:Thanks for the replies. To answer questions, we are not Medicare, we pay for blue cross PPO. The request is not a copay. Provider wants us to write a check at time service is rendered for the amount he would get from PPO.

I would decline.
by investor1
Tue Sep 16, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: Strange Billing Practice by Medical Provider
Replies: 38
Views: 2681

Re: Meetings over the lunch hour, taboo?

Propose a new time and say you have a conflict.
by investor1
Tue Sep 16, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: Meetings over the lunch hour, taboo?
Replies: 46
Views: 3851

Re: Should I roll over my 58 year old mom's 401k?

There isn't enough information to say. For the old 401k, you won't be able to change anything unless you move the money elsewhere, and that MM fund isn't doing her very much. I think you should move it and re-invest it. The question is where to move it. It could go into the new 401k if the plan allo...
by investor1
Tue Sep 16, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 819

Re: Good hobby for a bright/obsessive 9 year old?

Martial arts. Sign him up for jiu jitsu or judo. He'll get exercise and become more athletic. Most kids programs also tend to do a good job of teaching them or reinforcing good value systems as well.
by investor1
Mon Sep 15, 2014 2:23 pm
 
Forum: Personal Consumer Issues
Topic: Good hobby for a bright/obsessive 9 year old?
Replies: 73
Views: 3021

Re: move, rent or buy a second home?

Nine years is a considerable amount of time. I'd sell the house, buy another that is suitable for the commute that you'll be happy with for nine years, then sell that one and buy the house you want to live in once and for all. You didn't post numbers, so I have no way of knowing what kind of a hit y...
by investor1
Mon Sep 15, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: move, rent or buy a second home?
Replies: 7
Views: 478

Re: Car Advice: When to Replace?

Look into a car pool with your co-workers / fellow students. Even if you only get one other person, you will be driving your car half as much.

If the repairs are adding up, sell it and replace it. Buy a used car rather than a new one. New cars are rarely worth the markup.
by investor1
Mon Sep 15, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Car Advice: When to Replace?
Replies: 37
Views: 2771

Please truncate the display of usernames on the home page

When a user with a long username posts it makes the home page difficult to read since it shortens the width of the column that displays the thread title. Users should be able to use whatever username they wish without affecting the readability of the site. Please limit the number of characters in a ...
by investor1
Sun Sep 14, 2014 11:15 pm
 
Forum: Forum Issues and Administration
Topic: Please truncate the display of usernames on the home page
Replies: 6
Views: 797

Re: Costco vs Amazon?

Costco Gas. They are always the cheapest around. Toiletries They have good deals on random things like electronics, clothing, camping gear, etc. from time to time, and they typically keep that stuff near the entrance which means you have to walk by it anyway. I lost my soft shell jacket last year an...
by investor1
Thu Sep 11, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4572

Re: Great deal for new Costco members

I just discovered the TP last month. I'm always the last to know...
by investor1
Thu Sep 11, 2014 12:23 pm
 
Forum: Personal Consumer Issues
Topic: Great deal for new Costco members
Replies: 18
Views: 2967

Re: Would you quit over the pretend boss

The COO should be in sync with the CIO. If they aren't doing that on their own, have meetings with them both regularly so they sync up. I would assume the COO should be directing you based on what is agreed from there. If that doesn't work, the CEO should get them to sync up. Bring it up with him/he...
by investor1
Wed Sep 10, 2014 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you quit over the pretend boss
Replies: 33
Views: 2977

Re: Simplicity vs. Complexity

I find it ironic that the article is from Fidelity yet the target date CITs they provide through my account consists of US stocks, US bonds, US REITs, international stocks, international bonds, international REITs, commodities, emerging markets, and a balanced fund while the Vanguard target date fun...
by investor1
Wed Sep 10, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Simplicity vs. Complexity
Replies: 50
Views: 3316

Re: 26 year old seeking car insurance advice

I would carry the state minimum.
by investor1
Tue Sep 09, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: 26 year old seeking car insurance advice
Replies: 13
Views: 447

Mint.com offering Equifax credit score

https://www.mint.com/blog/updates/mint- ... fe-090814/

Mint’s making it easy with the addition of Credit Score, a new feature that provides users with a FREE credit score (no credit card required…ever!).
by investor1
Tue Sep 09, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mint.com offering Equifax credit score
Replies: 0
Views: 228

Re: What's the worst "too-good-to-be-true" to happen to you?

In 2006, I applied for a job with a subprime mortgage lender when I was about to get out of college. A 28 year old kid (seemed old at the time!) told me during the interview that if I wasn't making 6 figures by the time I was 25 I was doing something wrong. That seemed weird to me. Thankfully I did...
by investor1
Tue Sep 09, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: What's the worst "too-good-to-be-true" to happen to you?
Replies: 23
Views: 2836

Re: Do you consider your emergency fund part of your portfol

I hadn't really thought about it. I do think of it as X number of years I can go without working, but I don't acount it as part of my retirement AA. I likely won't until I actually retire at which time I'd like to have a least a few years worth of expenses liquid to help me whether a market crash. I...
by investor1
Mon Sep 08, 2014 9:33 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3041

Re: Employer finding out you have a financial cushion?

The employer also knows your rate of 401k contributions and how much your balance is in your 401k, so they know about some of your cushion... Due to this and, I assume, them knowing of my HSA contributions as well as my salary and the fact that most of my co-workers know my marital/dependent status...
by investor1
Mon Sep 08, 2014 9:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Employer finding out you have a financial cushion?
Replies: 62
Views: 6122

Re: Credit card fraud in South Africa

When I had a CO card, they allowed me to setup an alert for every foreign transactoin. Since I don't travel out of the country that often, I had it set. I never had an issue internationally, but the alerts worked and would provide a way for you to know about it very quickly. Though I don't think it ...
by investor1
Mon Sep 08, 2014 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit card fraud in South Africa
Replies: 16
Views: 1226

Re: So, when does a market timer get back in?

Most of the market timers I know heard about the recovery wave of 2013 and have spent 2014 getting back in.
by investor1
Sun Sep 07, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: So, when does a market timer get back in?
Replies: 54
Views: 5518

Re: 401k allocation does not have strait forward fund choice

Read the wiki on Approximating the Total Stock Market, then add the international fund and the bond fund.

*Oh, sorry I didn't see that you don't have ticker symbols available through her account. That throws a wrench in the idea.
by investor1
Thu Sep 04, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k allocation does not have strait forward fund choices
Replies: 5
Views: 204

Re: This Forum is Amazing! Newbie ready to jump in the deep

1. We are in the process of selling a Condo that should net $75,000 or more. That will enable us to fill our six month emergency fund and leave us with $50,000 or more to invest depending on how long it takes to sell. I am leery of dumping that all into the market all at once and wanted to get my f...
by investor1
Thu Sep 04, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: This Forum is Amazing! Newbie ready to jump in the deep end!
Replies: 17
Views: 1856

Re: My early 30's Ameriprise portfolio

Here is what you could be paying assuming an AA of 90/10: Fund (Ticker) ER Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) 0.05% Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) 0.14% Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) 0.08% For an overall ...
by investor1
Wed Sep 03, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3386

Re: Coin Counting Machines

I've always rolled my own and take them to the bank to deposit them into my account. When I switched to a credit union a couple of years ago, they had (and still have) a counting machine that is free for members. Since they have that, they won't take the coins I already have rolled which means I wal...
by investor1
Wed Sep 03, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4041

Re: Advice for a recent college graduate

There are others worse off. If you're happy, go on enjoying life :) 1. Yes, you should have an EF. You said you have $1100 in cash in the bank now and continue to fund that with $300/month. Your monthly expenses are $1410. People generally start with an EF of 3-6 months worth of expenses. Though man...
by investor1
Wed Sep 03, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for a recent college graduate
Replies: 9
Views: 480
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