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Re: What 401k does to your IRA - Roth IRA contribution limit

How are you contributing to a 401k and an IRA of any kind if you did not have any earned income? Where did the $118k come from? What kind of 401k are you contributing to?
by investor1
Tue Nov 25, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: What 401k does to your IRA - Roth IRA contribution limit
Replies: 13
Views: 944

Re: More money equates to feeling poor?

I think the BH moto is to live below your means rather than to live frugally. I think living frugally is an extreme of living below your means. I save a percentage of my income. A percentage for retirement and an amount for short-medium term expenses. Sometimes I'm left with money I didn't spend and...
by investor1
Fri Nov 14, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: More money equates to feeling poor?
Replies: 34
Views: 2976

Re: How can I convince my wife to accept investing??

Since talking to her about this subject seems to be like talking to the walls, I suggest doing it. Just take some money and start investing. Show her. I don't know how your budget works. Maybe you have some money budgeted toward you, whatever you want. Maybe use that. Maybe use some other money. A s...
by investor1
Tue Nov 11, 2014 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I convince my wife to accept investing??
Replies: 54
Views: 4512

Re: Vanguard sued for charging too little

Vanguard Group is owned by Vanguard's mutual funds, which pay the company for management services. Danon's suit alleges the company lowballs the price of professional services so it shows little profit and pays little tax. Low taxes allow Vanguard to charge lower fees and lure business from tax-pay...
by investor1
Mon Nov 10, 2014 11:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 197
Views: 26854

Re: Fidelity HSA Questions

Fidelity charges $12/quarter $48/year for their HSA accounts (typically covered by the employer while employed). This is a bargain compared to other HSA options and a super bargain when you consider your access to low expense ratio index funds Many people fail to consider the lost opportunity cost ...
by investor1
Sun Nov 09, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Questions
Replies: 12
Views: 889

Re: Fidelity HSA Questions

I have my HSA with Fidelity. I don't know about the fees. I am able to invest every dollar I put in. There are lots of no cost mutual funds and ETF's. ETF trades are $8. If your company's benefit department cannot answer the questions about fees, read the plan material. Actually, it is always a goo...
by investor1
Sat Nov 08, 2014 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Questions
Replies: 12
Views: 889

Re: Fidelity HSA Questions

Sorry. Yes, I had a HDHP and thus a HSA in the past, so I have an existing HSA. I think I'm going to go the HDHP/HSA route for 2015. My employer is switching the provider for 2015. Since my employer pays the fees, I will almost certainly roll my current HSA over into the Fido HSA and fully fund it t...
by investor1
Sat Nov 08, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Questions
Replies: 12
Views: 889

Fidelity HSA Questions

Benefits enrollment season is rapidly approaching, and my employer has decided to change HSA providers for 2015. They are switching us to Fidelity, so I've been trying to find out more about what they offer. I've been unable to find answers to some of my questions, so I'm hoping someone reading this...
by investor1
Sat Nov 08, 2014 9:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Questions
Replies: 12
Views: 889

Re: Is this career suicide? Jumping ship early

In my experience in corporate America, companies don't seem to care much about employees leaving for another company especially if they are going to a much smaller company. It is typically because that person is sick of the megacorp BS and wants to try their hand at a small company. Note that if you...
by investor1
Sat Nov 08, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this career suicide? Jumping ship early
Replies: 13
Views: 2975

Re: 22, I want to be rich, looking for a high reward fund

If you are using a taxable account for retirement savings along with tax advantaged accounts, you should read the wiki on tax efficient fund placement. I would hold either the total international stock fund or the total (domestic) stock fund in the taxable account. Leverage your IRA/TSP for the res...
by investor1
Fri Nov 07, 2014 11:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6170

Re: 22, I want to be rich, looking for a high reward fund

You are already in a high risk/reward fund. The 2055 TD fund will have an AA of 90/10 until 2025. That's a lot of risk with the potential for a lot of reward. I don't understand why you seem to think that mutual funds are too conservative. Is it just because they offer a lot of diversity? Diversity ...
by investor1
Fri Nov 07, 2014 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6170

Re: Oil change costs--dealer vs other

It costs me around $65 to DIY it, but I have a feeling we have very different cars. I think you'd have a tough time DIY'ing any car for less than $20 nowadays. I'd stick with what you're doing and go have fun doing something else. Some shops will lie and say they changed it without doing anything, s...
by investor1
Thu Nov 06, 2014 11:49 am
 
Forum: Personal Consumer Issues
Topic: Oil change costs--dealer vs other
Replies: 35
Views: 2274

Re: What have you done to cut costs this year?

Norton750 wrote:Started to bunch tax deductions every other year, saving perhaps $700 per year.

Can you go into detail here?
by investor1
Thu Nov 06, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12156

Re: HSA Understanding Check

If you have a HDHP and an HSA in the current year, you can contribute up to $3.3k (you and your employer). If you don't have a HDHP next year, don't contribute to an HSA. If you do, you can contribute the max again. Yep, you can withdraw the funds at any time tax free to reimburse yourself for OOP e...
by investor1
Thu Nov 06, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Understanding Check
Replies: 3
Views: 511

Re: IBM: Stock Buybacks Gone Wrong?

I just don't get the idea that IBM might go to $0. The 2015 plan seems to be dying down. They made a big move earlier this week to "sell" their semiconductor manufacturing business which constantly created big loses for them in years past. I think they have done nearly everything they can ...
by investor1
Wed Oct 22, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 4150

Re: Why do Engineers Think They’ll Be Good at Picking Stocks

Most engineers that I know (and have discussed investment strategy with) are all about indexing.
by investor1
Tue Oct 21, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Engineers Think They’ll Be Good at Picking Stocks?
Replies: 135
Views: 10654

Re: First time home buyer - realtor?

Excellent point. Thanks!
by investor1
Mon Oct 20, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: First time home buyer - realtor?
Replies: 4
Views: 471

First time home buyer - realtor?

So, I have another thread going where I asked questions about whether or not I should use a realtor as a buyer, and I'm getting good feedback. See http://www.bogleheads.org/forum/viewtopic.php?f=11&t=149199. However, I have a more specific situation that I'd like more information about. There is...
by investor1
Mon Oct 20, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: First time home buyer - realtor?
Replies: 4
Views: 471

Re: Buying a house without a realtor

Your understanding of the law is incorrect A buyer's agent is a fiduciary who owes a total duty of loyalty to the client . That is true BUT... I remember an article in the WSJ some years ago that showed (this was in Chicago I think) that when selling their own houses real estate agents held out lon...
by investor1
Mon Oct 20, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2851

Re: Buying a house without a realtor

Where I live, if you only went by signs, zillow, or even MLS, you'd miss the best houses. It is rare to see a "for sale" sign without the "sold" part on top. The realtors mostly just use it to advertise themselves. The ones that do have "for sale" signs that aren't alr...
by investor1
Mon Oct 20, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2851

Re: Buying a house without a realtor

Thanks for the advice, everyone. There is a some good info here. I think I'll take the advice of picking up a book too.
by investor1
Mon Oct 20, 2014 10:15 am
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2851

Re: Buying a house without a realtor

Thanks.
by investor1
Sun Oct 19, 2014 5:36 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2851

Re: Buying a house without a realtor

I'd suggest looking into securing the services of a rebating Realtor, which will give back a portion of the buying agent commission. I just went through this in Michigan and felt he was worth the money at 1.5% commission, while I got 1.5% back. I wasn't aware of this option. Thanks. Do you have to ...
by investor1
Sun Oct 19, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2851

Buying a house without a realtor

I've been saving for a down payment on my first house, and I'm getting to the point where I think I'll have plenty saved for a 20% down payment for what I want in my area. If it matters, I'm in Oregon. Also if it matters, I'm looking for either a single family house or a condo. I'm considering buyin...
by investor1
Sun Oct 19, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 2851

Re: Couch Surfing

I'm including a link here to a hospitality travel club for those over 50 years of age.....I have never used it as I just became eligible a couple years ago and have yet to really get my feet wet...but it looks like it combines the best of many worlds - very economical, social and safe....why take u...
by investor1
Fri Oct 17, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: "The best response to market volatility"

Thanks for the reminders, Taylor. As a new investor, this has been my first market downturn, and came right after putting in a lump sum to max out my IRA and deferring 90% of my paycheck to my 401k to get as much in as possible in by January. Realizing I had already lost 6% of what I invested in su...
by investor1
Fri Oct 17, 2014 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: "The best response to market volatility"
Replies: 27
Views: 3382

Re: Livesoft - Thank you

Definitely one of the best contributors on this site of many good contributors. Thanks!
by investor1
Fri Oct 17, 2014 4:12 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Livesoft - Thank you
Replies: 44
Views: 5579

Re: Couch Surfing

are you saying that the only way I can know I will get burned from a pan - let alone having an opinion on the cost benefits about the danger - is by grabbing that handle? Is experience really the only teacher - or can we apply reason? Most people are applying reason. Many people have already pointe...
by investor1
Fri Oct 17, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Mega bus vacation with toddlers.

21 hours, eh? 1.5 and 3 years old? Dear God, have pity on the rest of the folks on the bus and pay more to drive yourselves. Lol. I thought that since we are not driving. We will be available to entertain them. Maybe this is a bad idea. We have a brand new mini van and we do not want to drive aroun...
by investor1
Fri Oct 17, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Mega bus vacation with toddlers.
Replies: 27
Views: 2074

Re: Couch Surfing

leonard wrote:
investor1 wrote:I think your world view is unrealistic if you think it is probable to be drugged and locked in a basement.


Cause - it never happens, right?

And, the upside if it doesn't is a nice chat?

That cost benefit doesn't work for me.

Practically.
by investor1
Wed Oct 15, 2014 12:30 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

I think your world view is unrealistic if you think it is probable to be drugged and locked in a basement.
by investor1
Wed Oct 15, 2014 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

Certainly, we don't need to experience sleeping in a strangers house in order to have an opinion about it - do we. Certainly not. However experience often leads to practical decisions whereas inexperience often leads to speculation. I think we are bypassing common sense and that we all deal with pe...
by investor1
Wed Oct 15, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

leonard wrote:Certainly, we don't need to experience sleeping in a strangers house in order to have an opinion about it - do we.

Certainly not. However experience often leads to practical decisions whereas inexperience often leads to speculation.
by investor1
Wed Oct 15, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Why choose a LifeStrategy Fund?

Young investors who are more than 30 years from there target date do not benefit from target date funds. The AA shifting does not take affect until you are 30 years out. The 90/10 LS fund has a lower cost of ownership than the TD fund that matches their target date.
by investor1
Fri Oct 10, 2014 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why choose a LifeStrategy Fund?
Replies: 41
Views: 3805

Re: Couch Surfing

It's interesting that people keep their profiles even after rape and other accusations. I'd assume that they would change their identity, or at least try to refute the accusations. Which brings up some questions: - Is there a process for the dispute resolution? - Can accusations of rape result in a...
by investor1
Fri Oct 10, 2014 10:41 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

Yeah, you can create a very minimal profile and fill it in later.
by investor1
Fri Oct 10, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

I wanted to check out couchsurfing events in Washington, DC, but I could not do it unless I had established a login using either Facebook or email. On one hand, it's a demonstration of couchsurfing's concern about their member identities, which is great. On the other hand, I'd like to get my toes w...
by investor1
Fri Oct 10, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

That is how I would view the "horror" stories about couchsurfing (or hitch hiking, for that matter). I have never had anything close to a threatening experience in over 10 years of couchsurfing on 3 continents. In fact, many of my memorable interactions with people have come as a result. ...
by investor1
Fri Oct 10, 2014 9:28 am
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

I need to do a better job of attending CS'ing events both at home and while traveling. Numerous posts on this thread have reminded me that I am missing out.
by investor1
Thu Oct 09, 2014 11:18 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

Trader Joe wrote:We would never do this. Risk vs. reward. Plus we have money for nice hotels.

I can afford it too. CS'ing is very rewarding.
by investor1
Thu Oct 09, 2014 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

What if the guest slips and conks their head on a coffee table? Or scalds themselves on hot water from the shower or sink. All of that has likely happened. My first thought is that the host (couch owner) is opening themself up to all sorts of liability issues. I've never heard of any sort of lawsui...
by investor1
Thu Oct 09, 2014 8:39 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

In my experience, it isn't difficult to weed out possible bad encounters by using the safety features on the website. If someone has 100 references and they are all positive, they are very likely cool people. Another thing to keep in mind is that you don't have to stay there. If you get there and fe...
by investor1
Thu Oct 09, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

Here is a cool story about CS'ing Obama's inauguration:

http://edition.cnn.com/2009/TRAVEL/01/1 ... index.html
by investor1
Thu Oct 09, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

This past summer, my wife and I used AirBNB in Bern, Switzerland. In addition to the price benefit, I really got a lot out of staying with local people. I had a long conversation with our host couple while leaning on a wall in their kitchen, drinking a beer they offered me. Again, not something you...
by investor1
Thu Oct 09, 2014 4:19 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

Airbnb is it's own bag. It isn't about a social experience. It is about hotel prices being too high and home owners / renters looking to make some extra cash. Sometimes you get a social experience, but it is more like a modern day bed and breakfast without the waitstaff (and often times breakfast). ...
by investor1
Thu Oct 09, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: Couch Surfing

Cool. Enjoy! Hotels are boring anyway.
by investor1
Thu Oct 09, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: What have you done to cut costs this year?

* I got more into couch surfing when traveling. I've tried it in the past, but I did it about a half a dozen times this year. It meant I didn't spend any money on a hotel. Sure, I did nice things for my hosts that had some costs associated, but no where near what a hotel room costs. Could you pleas...
by investor1
Thu Oct 09, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12156

Couch Surfing

For people who are not aware, couchsurfing.org is a website where a community of people around the world open their homes to travelers. You sign up, fill out a profile, state whether or not you want to host people or just surf. When you travel, you search through profiles from hosts in that city, se...
by investor1
Thu Oct 09, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Couch Surfing
Replies: 90
Views: 5889

Re: What have you done to cut costs this year?

* I got more into couch surfing when traveling. I've tried it in the past, but I did it about a half a dozen times this year. It meant I didn't spend any money on a hotel. Sure, I did nice things for my hosts that had some costs associated, but no where near what a hotel room costs. Could you pleas...
by investor1
Thu Oct 09, 2014 11:08 am
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12156
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