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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: 6
Views: 408

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: 6
Views: 408

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: 110

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: 30
Views: 1167

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: 30
Views: 1167

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: 110
Views: 3642

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: 30
Views: 864

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: 204

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: 316

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: 1307

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: 21
Views: 1382

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: 1138

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: 10
Views: 832

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: 21
Views: 1382

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: 215

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: 8
Views: 878

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: 4399

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: 258

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: 21053

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: 264

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: 470

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: 19
Views: 1377

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: 1454

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: 100
Views: 5627

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: 1454

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: 1454

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: 83
Views: 4974

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: 21053

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: 407

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: 651

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: 2222

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: 1028

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: 543

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: 1254

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: 1254

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: 1028

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: 3165

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: 1571

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: 1571

Re: Young investor wanting some insight

You're doing well. Double check your 401(k) and make sure there isn't a roughly equivalent option that is cheaper. I've seen a lot worse than 0.56, but keep in mind life strategy funds are the same as target date funds until the TD fund begin the glide path which is usually 30 years out. You could a...
by investor1
Thu Jul 24, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young investor wanting some insight
Replies: 4
Views: 377

Re: 2 days in Portland, suggestions?

It's times like these when I wish we had a Bogleheads gang sign that we could throw up and see if anyone responds... Enjoy the festival!
by investor1
Tue Jul 22, 2014 7:29 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 34
Views: 1534

Re: 2 days in Portland, suggestions?

Eastwest wrote:Food: Por Que No

+1
by investor1
Tue Jul 22, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 34
Views: 1534

Re: 2 days in Portland, suggestions?

If you are coming this weekend, the biggest beer festival of the year is Wednesday through Sunday: http://www.oregonbrewfest.com/ There are some good food cart plots within walking distance of there, mainly Washington & 9th. Checkout http://www.foodcartsportland.com/ Tilt makes freakin' deliciou...
by investor1
Tue Jul 22, 2014 6:22 pm
 
Forum: Personal Consumer Issues
Topic: 2 days in Portland, suggestions?
Replies: 34
Views: 1534

Re: Buy a condo for college?

As a student, dorm life is far preferable for the first year or two. This bears mentioning, since a few posters have said the same thing--at the college we are looking at, freshmen dorm rooms are 2 people in a 13x13 room, and they share a bathroom with 2 other people in an identical room. Condos al...
by investor1
Sun Jul 20, 2014 12:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2518

Re: Buy a condo for college?

They may plan to go there, but they may also change their minds. If you buy a house for college students, you need to be prepared for them being irresponsible. Expect damage to happen. I know kids that were very well behaved in HS and went to engineering schools that partied non-stop once they got a...
by investor1
Sun Jul 20, 2014 12:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy a condo for college?
Replies: 29
Views: 2518

Re: Hospital bill negotiation

Lastly, if the hospital charges you fees different from what they charge the insurance company (per the contract), then insurance fraud is committed and you risk losing your coverage. Has anyone ever lost their coverage or experienced any other repercussions for "insurance fraud" in such ...
by investor1
Wed Jul 16, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4318

Re: Hospital bill negotiation

1. Get itemized bills, and understand each line. If you see an error, point that out. They will likely take time to review it and try to justify it. Talk to the people that make the decisions, and argue your case. 2. Use something like http://fairhealthconsumer.org/ to see if the hospital is chargin...
by investor1
Wed Jul 16, 2014 12:03 am
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4318

Re: Hospital bill negotiation

Lastly, if the hospital charges you fees different from what they charge the insurance company (per the contract), then insurance fraud is committed and you risk losing your coverage. Has anyone ever lost their coverage or experienced any other repercussions for "insurance fraud" in such ...
by investor1
Tue Jul 15, 2014 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Hospital bill negotiation
Replies: 49
Views: 4318

Re: Will you change your AA based on market performance?

No, I won't change my desired AA. Yes, I will change my real AA when I rebalance back to my desired AA. That's how it works. Buy low, sell high :)
by investor1
Mon Jul 14, 2014 1:44 am
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4260
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