Search found 888 matches

Return to advanced search

Re: Smartest Financial Move You Ever Made

The smartest was probably becoming a Boglehead within the first five years of my career. Second place would be majoring in a solid discipline in college (engineering). I was able to pay off my student loans quickly and my salary has increased noticeable despite a pretty good starting salary (a lot o...
by investor1
Sun Mar 29, 2015 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Smartest Financial Move You Ever Made
Replies: 138
Views: 12585

Re: My Strategy For A Market Crash

My strategy is to rebalance while I buy as much as I can.
by investor1
Sun Mar 29, 2015 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: My Strategy For A Market Crash
Replies: 30
Views: 4567

Re: Where to put money for house purchase 10 years out?

Thanks, I think I'll open a seperate taxable account and setup a two or three fund portfolio. When I move again, I'll either pull the money out or continue renting while I wait out a market dip. I don't mind doing that.
by investor1
Sun Mar 29, 2015 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put money for house purchase 10 years out?
Replies: 5
Views: 934

Where to put money for house purchase 10 years out?

I'm considering a employment change that would have me moving to a new city. I can see myself living in this city for a decade or so if the employment arrangement works out, but I don't think I want to live their for the rest of my life. If I make the change, I think I'll rent while I'm there. I hav...
by investor1
Sat Mar 28, 2015 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put money for house purchase 10 years out?
Replies: 5
Views: 934

Re: Quitting my job, and going to school. What to do with my

What are the ERs on the funds in the 401k and IRA? Maybe it'll make sense to roll one into the other.
by investor1
Tue Mar 17, 2015 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quitting my job, and going to school. What to do with my $?
Replies: 18
Views: 1513

Re: Barclays - Personal Banking?

Cool, thanks for the feedback. It'd be great to know if the accounts have their own account number as that helps when setting up automatic transfers. Two factor authentication is when they send you an email or text message with a code whenever you attempt to login using your user ID and password. Yo...
by investor1
Sun Mar 15, 2015 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclays - Personal Banking?
Replies: 3
Views: 356

Barclays - Personal Banking?

My current bank that holds much of my savings recently lowered their rates, so I'm considering switching. I've noticed Barclays is currently offering 1.00% for their savings accounts and their 5 year CDs are 2.25%. Both of which are amongest the highest rates available today. One of the things that ...
by investor1
Sun Mar 15, 2015 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclays - Personal Banking?
Replies: 3
Views: 356

Re: Advice needed (work/bonus/career advice)

Stop pinching pennies. You're unhappy and under paid. You have other offers for more money, and it doesn't sound like they can be any worse. This is a no brainer, go. Go now. Kiss the bonus goodbye. You don't need it anyway. You'll be making a higher base salary at the new company along with commiss...
by investor1
Sun Mar 15, 2015 10:03 am
 
Forum: Personal Consumer Issues
Topic: Advice needed (work/bonus/career advice)
Replies: 38
Views: 1569

Re: Portland transportation

There are a couple of light rails: the MAX and the Portland Street Car. The MAX is the big one. It is run by Trimet (trimet.org) and goes to/from the airport. You'll be able to take that downtown when you arrive. A day pass is around $5 IIRC. You can buy a ticket at any station/stop or using their m...
by investor1
Sat Mar 14, 2015 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Portland transportation
Replies: 20
Views: 1802

Home buying costs?

I'm considering putting in an offer on a house. This would be my first time purchasing a home. I'm wondering what the costs assiocated with the purchase would be (roughly). I'm not talking about ongoing costs, but the one time purchase costs. I live in Oregon where is a typical for the seller to pay...
by investor1
Sun Mar 08, 2015 12:41 am
 
Forum: Personal Consumer Issues
Topic: Home buying costs?
Replies: 2
Views: 440

Re: Break room conversation about investing and Oil

Some people have to learn the hard way.
by investor1
Thu Mar 05, 2015 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Break room conversation about investing and Oil
Replies: 9
Views: 697

Re: Higher Downpayment a Good Idea?

After factoring in the cost of ownership, such as taxes, insurance, increased utilities and maintenance/repair costs, sales costs, mortgage costs, I think houses are usually an inefficient investment.

Buy the house you want to live in.
by investor1
Wed Mar 04, 2015 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Higher Downpayment a Good Idea?
Replies: 32
Views: 2779

Re: Roth IRA and Roth 401k

Which tax bracket do you expect to be in during retirement? If it is higher than the one you are in now, pay the tax bill now. Otherwise, defer taxes.
by investor1
Tue Mar 03, 2015 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA and Roth 401k
Replies: 8
Views: 726

Re: WHY YOU OWE YOUR FREEDOM TO JACK BOGLE

I agree that Mr. Bogle's contributions to the investment world should be recognized. However, I find the article a little insulting as having more money is not how I would define freedom. Do I owe him my Financial "freedom"? Absolutely. Saying I owe him my freedom and the connotation that...
by investor1
Tue Mar 03, 2015 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: SIGN PETITION for Jack Bogle's Presidential Medal of Freedon
Replies: 55
Views: 4480

Re: Contacted by Internal Revenue Services

I think it would be best to wait for them to finish automating the message ;)
by investor1
Mon Mar 02, 2015 7:25 pm
 
Forum: Personal Consumer Issues
Topic: Contacted by Internal Revenue Services [Scam]
Replies: 18
Views: 1328

Re: Talking Salary Tomorrow - HELP!

In a way, I want to say "is my only other choice to bring you an offer letter from another company" but I don't want to come across as a threat. Do not say this. Don't even hint at this. Presenting why you deserve more is plenty of hint to an employer. Don't do anything in excess. That do...
by investor1
Mon Mar 02, 2015 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Talking Salary Tomorrow - HELP!
Replies: 17
Views: 2649

Re: Talking Salary Tomorrow - HELP!

Not to knock you, but it is very likely they gave you the largest accounts because they already have solid relationships with those customers. They trust you to maintain that, but they want their more experienced employees working on acquiring new accounts as this is what grows revenue and, along w...
by investor1
Mon Mar 02, 2015 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Talking Salary Tomorrow - HELP!
Replies: 17
Views: 2649

Re: Can I afford it?

You didn't really give enough info to say for sure. Are you max'ing out two 401ks and two IRAs? What are you annual expenses? Anyway, combined you are high income. Your current retirement asset value seems acceptable to me given your age (but again, I don't know your expenses). Your savings rate see...
by investor1
Mon Mar 02, 2015 6:20 pm
 
Forum: Personal Consumer Issues
Topic: Can I afford it?
Replies: 59
Views: 5642

Re: Talking Salary Tomorrow - HELP!

I'd focus more on the salary range. You're young and haven't been there long. Young people come in with a relatively low salary that increases with solid annual raises (3-5% above inflation). Promotions come by producing results and taking on more responsibility (which it sounds like you are all for...
by investor1
Mon Mar 02, 2015 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Talking Salary Tomorrow - HELP!
Replies: 17
Views: 2649

Re: Dad Passed, Help Mom: Next Steps?

Would a rent to own approach help at all?
by investor1
Mon Mar 02, 2015 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dad Passed, Help Mom: Next Steps?
Replies: 29
Views: 2672

Re: How to find a spouse who wants financial independence

I think it is important to note that their are plenty of people that want FI and drive this or decorate their home like that or want kids. Money isn't everything, and you should enjoy the time that you have throughout your career as well as in retirement. The goal is to live happily. I think it is m...
by investor1
Mon Mar 02, 2015 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 51
Views: 8109

Re: Portfolio advice for aging parent

I agree with the previous posts. If you do make a move, make sure to leverage tax loss harvesting and the foreign tax credit whenever possible. Maybe just move out whatever this can account for each year and let his heirs handle the rest.
by investor1
Mon Mar 02, 2015 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for aging parent
Replies: 5
Views: 412

Re: What's your average ER?

I didn't know the answer to this until recently when I joined Personal Capital. They calculate it for you over all accounts and funds. My husband an I have a 0.13 total expense ratio in our investments. It would be lower except that my 401k doesn't have any funds under 60 bps, and it's about a fift...
by investor1
Mon Mar 02, 2015 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7150

Re: WWWD (what would warren do)

He did not mention the S&P 500 in the video. He simply said to own a piece of America through a heavily diversified low cost index fund and advocated for a buy and hold approach through dollar cost averaging. Yes, I don't really think he'd look at you in disgust if you bought TSM instead of S&a...
by investor1
Mon Mar 02, 2015 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: WWWD (what would warren do)
Replies: 21
Views: 1639

Re: WWWD (what would warren do)

He did not mention the S&P 500 in the video. He simply said to own a piece of America through a heavily diversified low cost index fund and advocated for a buy and hold approach through dollar cost averaging.
by investor1
Mon Mar 02, 2015 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: WWWD (what would warren do)
Replies: 21
Views: 1639

Re: Father in law possible elder scam victim?

Maybe it is time to consider having someone else manage his finances without him being able to write his own checks. Given the update, I doubt you'll see a dime back. You can talk to the handymen and give them a sob story to see if they have any decency, but I wouldn't expect much given they took th...
by investor1
Mon Mar 02, 2015 11:57 am
 
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 1791

Re: WWWD (what would warren do)

WB's advice to Lebron James:
Through the rest of his career and beyond make monthly contributions to a low cost index fund.

Hold significant cash reserves. Enough where you are comfortable. Beyond that own a diversified piece of America bought over time and held for 30 to 40 years.
by investor1
Mon Mar 02, 2015 11:38 am
 
Forum: Investing - Theory, News & General
Topic: WWWD (what would warren do)
Replies: 21
Views: 1639

Re: Father in law possible elder scam victim?

If they agreed to it, it likely isn't illegal. Sure, report it to the police, but I wouldn't expect them to do much as they typically fill their time with voilent crimes (and traffic tickets). They'll probably just tell you it is a civil matter unless others are reporting something similar about the...
by investor1
Mon Mar 02, 2015 10:08 am
 
Forum: Personal Consumer Issues
Topic: Father in law possible elder scam victim?
Replies: 30
Views: 1791

Re: What's your average ER?

^ Ha! When I saw your screen name as the latest reply on the home page, I thought, "I wonder if I'm lower than LowER." My employer offers a 401k that have CITs. I don't currently have any international, but I've thought about adding it. IIRC, it is around 0.1%. Then there are REITs for rou...
by investor1
Sun Mar 01, 2015 8:54 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7150

Re: Newbie help

You can amend your return. I know Turbo Tax has a document in their Help section that explains how to do this with their software. Whichever software you used likely has a similar document.
by investor1
Sun Mar 01, 2015 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie help
Replies: 12
Views: 563

Re: What's your average ER?

0.025%

90/10 split
0.02% TSM (401k)
0.03% TBM (401k)
0.05% TSM (IRA)
by investor1
Sun Mar 01, 2015 8:24 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7150

Re: Does a Roth IRA make sense if you live in a high COL pla

^ and the $18k limit does not include the employer match. The match goes toward a different 401k limit. Read up on 415c and 402g if you like. The point is YOU can contribute $18k.
by investor1
Sun Mar 01, 2015 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 85
Views: 3312

Re: Does a Roth IRA make sense if you live in a high COL pla

Yep, I totally agree that state and city tax rates are part of the decision. Particularly, if you plan on moving before retiring. The OP didn't mentioned anything about plans to move (that I read). He seems to be talking about which tax advantaged vehicle to use to ensure he has ample funding for c...
by investor1
Sun Mar 01, 2015 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 85
Views: 3312

Re: Does a Roth IRA make sense if you live in a high COL pla

Yep, I totally agree that state and city tax rates are part of the decision. Particularly, if you plan on moving before retiring. The OP didn't mentioned anything about plans to move (that I read). He seems to be talking about which tax advantaged vehicle to use to ensure he has ample funding for cu...
by investor1
Sun Mar 01, 2015 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 85
Views: 3312

Re: Newbie: 3 fund portfolio

Read the wiki page on asset allocation. AA is a rather personal decision, so it is tough for others to tell you what you should do. At your age anything from 85-15 to 70/30 seems rather common. If it were me, I'd probably be 85/15, but that's me. You're not that late. Just contribute a lot, and you'...
by investor1
Sun Mar 01, 2015 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie: 3 fund portfolio
Replies: 6
Views: 331

Re: Does a Roth IRA make sense if you live in a high COL pla

I was under the impression that you use post-tax money to fund the Roth IRA and then you can withdraw from it tax-free. So ideally you'd want to invest when you have low taxes, and withdraw it when you have higher taxes. Since I live in a high COL area with high taxes, I worried this may be less ap...
by investor1
Sun Mar 01, 2015 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 85
Views: 3312

Re: Have RothIRA and 401K -Where to put $500 @ Fidelity?

Your TD fund is heavily diversified. There is no need to diversify further. Your 401k doesnt look absolutely terrible, but without knowing the other options, it is tough to give good advice. Close your taxable account and contribute more to your tax advantaged accounts. Don't leave tax advantaged sp...
by investor1
Sun Mar 01, 2015 3:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Have RothIRA and 401K -Where to put $500 @ Fidelity?
Replies: 2
Views: 319

Re: Job offering me a new schedule...

Being young and single, I'd do it. Six days off in a row gives you the opportinuty to take small vacations without burning vacation time. You'd still have every other weekend off which is when most other people are off too, so it won't kill your social life.
by investor1
Sat Feb 28, 2015 9:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job offering me a new schedule...
Replies: 8
Views: 945

Re: Does a Roth IRA make sense if you live in a high COL pla

People recommend 401k match, Roth IRA, back to 401k when the investor has a bad 401k. You seem to have good options in your 401k. I would defer taxes. None of this has anything to do with where you live.
by investor1
Sat Feb 28, 2015 9:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Roth IRA make sense if you live in a high COL place?
Replies: 85
Views: 3312

Re: Foodsaver use

The bags need to have bumps on them. They provide channels for the air to get sucked out. Bags without them won't work.
by investor1
Sat Feb 28, 2015 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Foodsaver use
Replies: 27
Views: 1623

Re: Trying to take control. looking for advice

Your AA seems pretty typical to me given your age. I would suggest taking a look at how the larger investment firms handle the glide path in their target date funds (see http://www.bogleheads.org/wiki/Glide_paths#Target_retirement_funds_glide_paths). Is that something you are comfortable with? If th...
by investor1
Sat Feb 28, 2015 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to take control. looking for advice
Replies: 11
Views: 1385

Re: Not "Staying the Course"

Well... if you own Vanguard target date funds and VG adds international bonds and increases the allocation to international stocks, you're stuck having to decide whether or not to go off course with them or handling your own rebalancing and glide path.
by investor1
Fri Feb 27, 2015 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4894

Re: Rock-Paper-Scissors: EFund vs. IRA vs. Loan Debt

The EF should be whatever size helps you sleep at night :) If you take my suggestion of regularly saving 1.5% of the purchase price of the house for repairs/maintenance, the need to dip into the EF is reduced. IMHO, an EF is for things like a sudden job loss or unexpected medical expenses. You know ...
by investor1
Fri Feb 27, 2015 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rock-Paper-Scissors: EFund vs. IRA vs. Loan Debt
Replies: 15
Views: 761

Re: Roth contributions as long as you can?

ok, how does it work in this example? Annual limit contributions from age 55 to age 60; withdraw whole account (and earnings) at age 61 I'm not sure what you mean by how does it work. The account is over five years old from its original funding, and you're over 59 1/2. If you want to withdraw every...
by investor1
Fri Feb 27, 2015 4:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth contributions as long as you can?
Replies: 19
Views: 2261

Re: Rock-Paper-Scissors: EFund vs. IRA vs. Loan Debt

Always have an EF. I would contribute enough to her 401k to get the match, rebuild the EF ASAP, go back to funding retirement at least up to the contribution limits (currently, $18k+$5.5K+$5.5k), then pay down the debt. It is student loan interest. It is a bit high, but it is a tax write off. You mi...
by investor1
Fri Feb 27, 2015 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rock-Paper-Scissors: EFund vs. IRA vs. Loan Debt
Replies: 15
Views: 761

Re: Lay-off seeking for 401K and other porfolio advice

Debt: $350K mortgage (home value ~$700K), $600K rentals mortgage (rentals value ~$1.2M) 5. My job was quite stressful and so far I really enjoy the time off. The idea of retire early to do volunteers work does come across my mind, and my wife can quit her job in 4-5 years to join me. But I am not s...
by investor1
Fri Feb 27, 2015 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lay-off seeking for 401K and other porfolio advice
Replies: 5
Views: 493

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: 4
Views: 413

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: 223
Views: 17801

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: 223
Views: 17801
Next

Return to advanced search