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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: 20
Views: 1213

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: 26
Views: 1235

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: 26
Views: 1235

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: 26
Views: 1235

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: 794

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: 794

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: 794

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: 35
Views: 2254

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: 41
Views: 3198

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: 794

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: 2906

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: 469

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: 2617

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: 766

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: 4402

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: 2879

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: 2969

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: 3310

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: 446

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: 226

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: 2829

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: 3038

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: 6111

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: 5499

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: 203

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: 1825

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: 3383

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: 4038

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

Re: Take slightly better job if you had to wait 1 year for 4

If you think you'll be happier, do it.

You can save money in an IRA and a taxable account, etc. Not having a 401k doesn't mean you can't save money.
by investor1
Tue Sep 02, 2014 9:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take slightly better job if you had to wait 1 year for 401k?
Replies: 19
Views: 910

Re: Why is my 401k and taxable considered "One Portfolio"?

If the assets in the accounts are for different goals, they are not part of the same portfolio. Your time horizon to needing the cash is different, so your willingness to take risks should be different. I have a number of retirement accounts as well as an HSA. I use my HSA to pay for health care ex...
by investor1
Tue Sep 02, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why is my 401k and taxable considered "One Portfolio"?
Replies: 37
Views: 2840

Re: Newbie- Setting up our portfolio

If you don't have enough cash on hand to fill the IRAs in January, I would sell the needed amount from the taxable account and put it in the Roths. Minimize the gains that are taxable and pay that bill now in favor of gains that are tax free and have a lot of time to grow. Look into tax loss harvest...
by investor1
Tue Sep 02, 2014 6:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie- Setting up our portfolio
Replies: 26
Views: 1934

Re: Vanguard is finally getting Two Factor Auth (2FA)

That guy's website is interesting. He has a list of banks and whether or not they support two factor auth. That might be useful when shopping for a new bank.

http://twofactorauth.org/
by investor1
Sun Aug 31, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 23
Views: 3710

Re: 401K for school

She can contribute to the 401k and roll that and her other 401ks into an IRA (Roth or otherwise) and use that money to pay for qualified education expenses without penalty. You also have the right idea about converting to a Roth while she has no other income. She'll need money to pay the tax bill th...
by investor1
Sat Aug 30, 2014 8:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K for school
Replies: 10
Views: 561

Re: Why is my 401k and taxable considered "One Portfolio"?

If the assets in the accounts are for different goals, they are not part of the same portfolio. Your time horizon to needing the cash is different, so your willingness to take risks should be different. I have a number of retirement accounts as well as an HSA. I use my HSA to pay for health care exp...
by investor1
Sat Aug 30, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Why is my 401k and taxable considered "One Portfolio"?
Replies: 37
Views: 2840

Re: Risky asset allocation?

As others have said, the best thing you can do is to work as long as you can and save a lot. Max out your 401k. You are over 50, so you have $5.5k of catch up contributions too making the 401k limit $23k rather than $17.5k. Read up on the Backdoor Roth and consider that rather than leaving money in ...
by investor1
Fri Aug 29, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Risky asset allocation?
Replies: 15
Views: 722

Re: Newbie- Setting up our portfolio

the IRA amounts were for 2013. We have yet to contribute for 2014. am holding off because not sure how much we may be able to do based on our income. You mentioned the money being from 2013 (maybe that was a typo?). Either way at least she still has space. The limit for 2014 is $5500. You have unti...
by investor1
Fri Aug 29, 2014 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie- Setting up our portfolio
Replies: 26
Views: 1934

Re: Contribution limit 401k

$2k - $17.5k + your employer match. The IRS code contains two limits to a 401k. The 402g limit and the 415c limit. The 402g limit is $17.5k and anyone can contribute their pay directly towards this limit. Your plan limits you to 2%-50% of you pay here. However, the IRS imposes a hard limit which is ...
by investor1
Fri Aug 29, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Contribution limit 401k
Replies: 6
Views: 451

Re: Who else's IRA would you (do you) fill?

I'm upset that nobody said me...
by investor1
Fri Aug 29, 2014 1:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Who else's IRA would you (do you) fill?
Replies: 18
Views: 1216

Re: New - looking for portfolio advice

Questions:[/b][/u] Right now I am contributing to my 401(k) on a Roth basis because the tax free earnings seem worth it. Is my thinking correct here? I have no idea what kind of tax bracket I will be in during retirement. How does my asset allocation look? Should I just use the same funds and asset...
by investor1
Fri Aug 29, 2014 1:33 am
 
Forum: Investing - Help with Personal Investments
Topic: New - looking for portfolio advice
Replies: 14
Views: 1318

Re: Newbie- Setting up our portfolio

Once the Roths have been open for five years, you can withdraw the contributions (not the growth) whenever you need to without plenty (other than a smaller retirement account). Obviously, that isn't an ideal thing to do, but it does give you some flexibiliy in case SHTF beyond what your emergency fu...
by investor1
Thu Aug 28, 2014 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie- Setting up our portfolio
Replies: 26
Views: 1934

Re: roomba?

I hate the stupid little thing. Well hate is a strong word. I dislike what I do when I turn the thing on. Roomba is fantastic. Unfortunately my brain is amazed by it and I follow it around defeating the purpose of me doing something useful while it is cleaning. You have something in common with my ...
by investor1
Thu Aug 28, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: roomba?
Replies: 13
Views: 1313

Re: roomba?

I've got the 560. I've had it for maybe 5 or 6 years. I don't run it on carpet all that often, but it runs on hardwood and tile every week while I'm at work. I don't clean it unless it tells me to or something seems wrong. It works great. I do clean it after each run over carpet, but that takes way ...
by investor1
Thu Aug 28, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: roomba?
Replies: 13
Views: 1313

Re: 401K and AA

Read http://www.bogleheads.org/wiki/Asset_allocation#Ability.2C_willingness.2C_and_need I think a good way to pick an AA is to consider a 50% drop in equities and think about how much that can affect your portfolio without you freaking out and diverting off course (aka selling). If you don't want to...
by investor1
Thu Aug 28, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K and AA
Replies: 2
Views: 191
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