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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 Finance (Not Investing)
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 12
Views: 1587

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: 519

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: 12
Views: 820

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: 702

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: 24
Views: 1658

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: 427

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: 1192

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: 12
Views: 902

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: 24
Views: 1658

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: 1263

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: 1263

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: 179

Re: Gas station etiquette

johnubc wrote:As long as B was not offended, you did nothing wrong. B wanted to stay and wait, you jumped in an open spot.

It wouldn't make sense for B to be offended. They decided they wanted to wait for A to finish, and they got to do just that.
by investor1
Thu Aug 28, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2822

Re: Gas station etiquette

I would have done the same thing. It irks me when there is an open spot and the guy in the front of the line doesn't go use it. They are wasting the time of everyone else in line. That's just rude. And LOL @ "having" to use the center lane. That's why they put it there. I think Costco shou...
by investor1
Thu Aug 28, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Gas station etiquette
Replies: 46
Views: 2822

Re: My husband's " WILL", $ left for me to live on....

InvestorNewb wrote:No offense, but are we being trolled? Is this post legit? :?:

I was just about to type the same thing.
by investor1
Thu Aug 28, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16523

Re: Do Bogleheads worry about institutional risk?

There is a large thread about Vanguard being sued. It probably won't change anything, but it has the potential to. Multiple people have posted minor concerns.

I like VG, so I have an IRA with them. My employer provides a 401k through another firm. I guess I don't have to worry.
by investor1
Thu Aug 28, 2014 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads worry about institutional risk?
Replies: 33
Views: 1602

Re: Changes to 401k target funds, BlackRock

Just switch to a TD fund that is targeted earlier. Not that that avoids having to follow up on the change.
by investor1
Wed Aug 27, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changes to 401k target funds, BlackRock
Replies: 2
Views: 214

Re: Just a quick checkup of assets.

What is your HSA for? If it's for retirement, it looks like you're doing the right thing. If it's for some other goal, such as paying for health care throughout your life, I think your AA should be different to match your risk tolerance given a much shorter investment horizon.
by investor1
Wed Aug 27, 2014 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just a quick checkup of assets.
Replies: 4
Views: 338

Re: Young, Ambitious and Relatively Clueless

On tax advantaged space As others have mentioned, you can't put more than $5.5k into an IRA this year. In order to put $15k into tax advantaged space, you'll have to put at least part of it into your 401k. You didn't mention your income. If you contribute to a workplace retirement plan (401k), ther...
by investor1
Wed Aug 27, 2014 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young, Ambitious and Relatively Clueless
Replies: 13
Views: 1374

Re: Newbie- Setting up our portfolio

Oh, and is she still funding her IRA? She still has $2500 worth of space (I'm assuming the existing $3k came from 2014 contributions). Max that thing out. I'd sell assets in the taxable account to fill the tax advantaged space if needed. If you do that, read the wiki on tax loss harvesting first. As...
by investor1
Wed Aug 27, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie- Setting up our portfolio
Replies: 24
Views: 1658

Re: How do you usually pay for something under $5?

Cashiers! HA! Go to self checkout.
by investor1
Wed Aug 27, 2014 3:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you usually pay for something under $5?
Replies: 28
Views: 1186

Re: Fun way to teach teenagers about stocks and investing

The unexpected outcome is that after 14 years, the $1000 turned into $235.90. Not only that, but 14 years of inflation occurred too. It is more like $1,383.57 in today's dollars turned into $235.90 in today's dollars (from http://www.bls.gov/data/inflation_calculator.htm). He lost more purchasing p...
by investor1
Wed Aug 27, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Fun way to teach teenagers about stocks and investing
Replies: 16
Views: 1256

Re: Newbie- Setting up our portfolio

I wouldn't put so much emphasis on getting admiral shares in the taxable account. Sure, it'd be nice, but you don't have admiral shares in either of your IRAs. Use up all of your tax advantaged space before doing anything in a taxable account. Keep in mind the ERs for the ETF equivalent of the TSM f...
by investor1
Wed Aug 27, 2014 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie- Setting up our portfolio
Replies: 24
Views: 1658

Re: Beginners questions on 401K plan

A 401k and an IRA are two different things. Each of those can be a traditional account or a Roth account. If you use a workplace retirement account, such as a 401k, and have an MAGI of $60k-$70k, you are in the traditional IRA phaseout which means you can only deduct a portion of your contributions....
by investor1
Wed Aug 27, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginners questions on 401K plan
Replies: 2
Views: 221

Re: 87 yr old mom just inherited $200,000 - what to do with

If she needs $1500/month, $200k gives her 11 years of expenses (before inflation and taxes). I think she should stick with a rather conservative AA, and I see she is already at 20/80. I'd stick with that. I think she should have at least a couple of years worth of living expenses in a cash reserve. ...
by investor1
Wed Aug 27, 2014 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 87 yr old mom just inherited $200,000 - what to do with it?
Replies: 7
Views: 960

Re: Hit a financial milestone at an age milestone

Congratulations! I hope to be you someday :)
by investor1
Tue Aug 26, 2014 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 4871

Re: complete newbie, have no idea where to start

livesoft wrote:There is a great link on the forum home page in the upper left called "Start here". Do you see it? If so, click on it.

This.

Also, do you have earned income? A 401k? An IRA? If you said yes to any of these, take a look at the Asking Portfolio Questions thread and create your own.
by investor1
Tue Aug 26, 2014 5:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: complete newbie, have no idea where to start
Replies: 4
Views: 268

Re: Vanguard sued for charging too little

Yep, I wasn't accusing you, but I see how my post can be interpreted like that. I saw a number of replies to your post, and could see the conversation shifting in an unproductive/unhealthy direction. Overall, I think the thread is interesting, so I'm just trying to make sure we stay on point :)
by investor1
Tue Aug 26, 2014 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 187
Views: 21129

Re: Portfolio advice requested!!

It is tough to get a clear picture of what is going on. Please reformat your post based on the Asking Portfolio Questions thread. To answer one of your questions, you can't deduct your contributions to a tIRA since you use a 401k and make over $116k, so open up a Roth IRA for you and another one for...
by investor1
Tue Aug 26, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice requested!!
Replies: 4
Views: 268

Re: Personal Financial Planning question

I think retirement planning is in pretty good shape. I think the larger holes are in the areas of household budgeting and costs involved in home ownership.
by investor1
Tue Aug 26, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal Financial Planning question
Replies: 4
Views: 489

Re: Portfolio advice for Mom at 86 years

I don't think your mom needs more money. It seems as though she has enough for a good 20 years. I think she should be conservative with her investments. Asset allocation is a personal choice, and I don't know how your mother thinks about risk. If I had more than enough money to live out my life, I d...
by investor1
Tue Aug 26, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for Mom at 86 years
Replies: 23
Views: 1778

Re: My Wife's 401k is expensive.

Have her contribute 4% to get the match. Max out your 401(k) while living off of a higher percentage of her paycheck. Contribute to his and her Roth IRAs. That gives you $28.5k worth of tax advantaged space for retirement savings + whatever 4% of her salary + her match + your match. Do you still ha...
by investor1
Tue Aug 26, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Wife's 401k is expensive.
Replies: 23
Views: 1463

Re: Mortgages and financial freedom

I tend to put a percentage of income toward large cost items such as retirement or a house. If I have extra money that I need to figure out what to do with it, sure I might put some of it toward retirement, but I would rarely put all of it in retirement accounts. The percentage that I have set going...
by investor1
Tue Aug 26, 2014 1:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 6671

Re: My Wife's 401k is expensive.

As for what to do with the money in her 401(k), they are all crappy choices. You'll need to pick the best evil and go with it (or change plans/employers). I'd pick an asset class to hold in her account and achieve your desired AA across your portfolio rather than holding multiple funds in her 401(k)...
by investor1
Tue Aug 26, 2014 12:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Wife's 401k is expensive.
Replies: 23
Views: 1463

Re: My Wife's 401k is expensive.

Have her contribute 4% to get the match. Max out your 401(k) while living off of a higher percentage of her paycheck. Contribute to his and her Roth IRAs. That gives you $28.5k worth of tax advantaged space for retirement savings + whatever 4% of her salary + her match + your match. Do you still hav...
by investor1
Tue Aug 26, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Wife's 401k is expensive.
Replies: 23
Views: 1463

Re: What are you up YTD?

My desired AA is 90/10. I use a target date fund, so I'm willing to bet my current AA is 90/10. I don't know what I am up or down YTD. I'll let you know in about 20 years :)
by investor1
Tue Aug 26, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 94
Views: 6267

Re: Vanguard sued for charging too little

More information about the person who is suing Vanguard: http://articles.philly.com/2014-08-24/business/53171390_1_tax-avoidance-david-danon-whistle-blower The "Philly.com" website has a good number of articles about this lawsuit. I don't think we need to attack the man but the arguments....
by investor1
Mon Aug 25, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 187
Views: 21129

Re: Newbie roth ira question

Just to reinforce what others have said: 1. Yes, you can contribute to a Roth IRA. Your income is below the phaseout of $114k, so you're good to go. Keep in mind you can't contribute to a traditional IRA since you contribute to a 401(k) and have income above the $70k phaseout for a tIRA. And, yes, t...
by investor1
Mon Aug 25, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Newbie roth ira question
Replies: 3
Views: 409

Re: Bill Berstein If You Can!

Pick an AA you are comfortable with and stick with it. Don't try to time the market, and avoid investment porn.

Your 401k and IRA are accounts that hold assets for the same goal, retirement. If you aren't willing to implement a plan across your portfolio, it likely isn't for you.
by investor1
Sun Aug 24, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Move More Into International Stocks?
Replies: 1
Views: 653

Re: Newbie nervous and just invested 55k with Vanguard

You're talking about emotions rather than sound investment strategy. Asset allocation is the tool used to keep your emotions in check. Identify your goal (retirement, buying a house in ten years, etc.) and your time horizon, then pick an AA that you are comfortable with. From there, rebalance as you...
by investor1
Sun Aug 24, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie nervous and just invested 55k with Vanguard
Replies: 20
Views: 2241

Re: New guy with questions about IRA, Roth, 401k

OK. If you suspect your MAGI will hit the phaseout, it makes sense to go through the backdoor. Moving your current tIRA assets into your 401k will simplify the backdoor method since you won't need to worry about the pro rata rule.

I think you have the right idea.
by investor1
Sat Aug 23, 2014 10:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: New guy with questions about IRA, Roth, 401k
Replies: 9
Views: 1041

Re: Fidelity settles lawsuits over its own 401(k) plan

$12M for 50k people is $240 per person.
by investor1
Sat Aug 23, 2014 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity settles lawsuits over its own 401(k) plan
Replies: 5
Views: 547

Re: Downsizing emergency fund

I already max all tax deferred accounts What does that mean? $17.5k in a 401(k)? $5.5k in an IRA? 401(k) + Roth IRA? How about $52k in a 401(k)? Maybe a Mega-backdoor Roth is in order. Is a HDHP w/ an HSA appropriate? Do you have kids? What about 529s? increasing retirement contributions is out You...
by investor1
Fri Aug 22, 2014 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Downsizing emergency fund
Replies: 12
Views: 1308

Re: Downsizing emergency fund

Your EF isn't related to your net worth. It is related to your spending and the cost of possible emergencies. This is why people tend to size their EF in terms of a number of months worth of spending. A lot of people use the cost of finding new employment after a job loss or the cost of major medica...
by investor1
Fri Aug 22, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Downsizing emergency fund
Replies: 12
Views: 1308

Re: New guy with questions about IRA, Roth, 401k

You listed yourself as filing single in the 25-28% bracket. The 28% bracket kicks in just under $90k, and since you listed a range, I assume your income is around that amount (you didn't list it, or I missed it). That's under the phaseout of $114k for a Roth IRA. I don't understand why you are consi...
by investor1
Fri Aug 22, 2014 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: New guy with questions about IRA, Roth, 401k
Replies: 9
Views: 1041

Re: No room on your Windows hard drive? Cleanup Update files

I reboot my Windows machine daily, and run clean manager every time a boot. I have it automated. As stated in that article, you can save the settings used when running clean manager, then run the same settings from the command line. Here is another doc that describes how to do that. Once I had the s...
by investor1
Thu Aug 21, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 47
Views: 3200

Re: Personal Finances

"Would it be dumb to put say 17-20K into the individual 401K and 5500 into a ROTH IRA? That way I get both traditional and ROTH accounts." No. Go with whichever plan has the funds you want at the lowest cost (expense ratio, taxes, etc.). If having a mix of traditional and Roth investments ...
by investor1
Wed Aug 20, 2014 5:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Finances
Replies: 9
Views: 1577

Re: Personal Finances

The age old question of Roth vs traditional basically boils down to whether you think your tax rate is higher now than it will be during your retirement years. If you think the rate is higher now, defer paying the bill (i.e. go with a traditional account). If you think the rate will be higher in ret...
by investor1
Wed Aug 20, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Finances
Replies: 9
Views: 1577
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