Search found 2632 matches

Return to advanced search

Re: To TIP or not to TIP?

There are basically four differences between Total Bond Market and Vanguard TIPS, - TBM is an index fund. Vanguard TIPS is not, but basically acts just as one, for all intents and purposes other than Admiral Shares limits. - TBM is a mix of corporates, treasuries, mortgage-backed securities. TIPS is...
by kenyan
Mon Mar 30, 2015 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: To TIP or not to TIP?
Replies: 3
Views: 241

Re: 26 year old beginner, What should I do?

Your tax rates don't need to be anywhere near as high as they currently are. $64500 - $6300 (standard deduction) - $4000 (exemption) - $XXXX (medical/dental/FSA/other employer deductions) - $18000 (457 contributions) would put you in the 15% tax bracket, with less than $900 tax paid to the IRS. CA t...
by kenyan
Mon Mar 30, 2015 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 26 year old beginner, What should I do?
Replies: 19
Views: 1827

Re: $1.5M in 401K. What to do with it at retirement?

If you just want a zero-effort annuity stream of income, then why not invest in a zero-effort annuity (SPIA)? Much simpler than trying to manage various dividends. Edit: I suppose you said that you didn't want to touch the principal, and this will eat all of your principal (that you invest). Is the ...
by kenyan
Mon Mar 30, 2015 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: $1.5M in 401K. What to do with it at retirement?
Replies: 7
Views: 1975

Re: Investing in patio sliding doors; any guidance?

I assume you're talking just about the price of the door (and not the installation)? $700-800 is awfully cheap if you're paying to have it installed. Emphasis on the awful.
by kenyan
Mon Mar 30, 2015 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Investing in patio sliding doors; any guidance?
Replies: 6
Views: 424

Re: My Term Life Insurance

Definitely seems on the expensive side, and the kids' policies are no-brainers to drop. I love my children, and losing one would be devastating on many levels - but strictly from a financial standpoint, they are burdens that I don't need life insurance for. Assuming I wouldn't be disabled (emotional...
by kenyan
Mon Mar 30, 2015 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Term Life Insurance
Replies: 28
Views: 1943

Re: Why would real estate be sold for $1?

There can be a number of different explanations (some noted above). When I was looking up comparable prices for a recent purchase, I disregarded prices that were clearly out of line. Comps are supposed to ignore transactions like this that are not "arm's length transactions" as they would...
by kenyan
Mon Mar 30, 2015 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why would real estate be sold for $1?
Replies: 17
Views: 1471

Re: Another can I afford this house thread

A few comments - even on things you didn't explicitly ask about. I guess everybody is scared interest rates will go up (as am I). This is not a good reason to buy. In a cost-constrained (high-cost) environment where most buyers buy toward the upper end of what they can afford to make payments on, in...
by kenyan
Mon Mar 30, 2015 12:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another can I afford this house thread
Replies: 10
Views: 685

Re: Worth buying a smart phone if you already have one for w

I recently got a smartphone from work, and have kept my personal phone. We are not disallowed from using our work phone as our personal phone, but have been advised that it is "at my own risk." Basically, Big Brother could be watching. I forward my calls and texts from my personal number, ...
by kenyan
Thu Mar 26, 2015 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Worth buying a smart phone if you already have one for work?
Replies: 25
Views: 2010

Re: Restaurant tipping

I purposefully eat at the "take out" place (or take it to go) rather than order delivery so that i don't have to tip (I used to deliver pizzas), so it's a bit frustrating, that a lot of those places have tip spots on the receipt. The tip line has been a peeve of mine for many years, thoug...
by kenyan
Thu Mar 26, 2015 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 11679

Re: Restaurant tipping

When I visit restaurants these days, I am reminded of my past. The job is not that hard. I did it before so you can too. In fancier places, my expectations are even higher but yet often I'm disappointed. When the service is good, to me, that is just doing your job. It should be good all the time. I...
by kenyan
Thu Mar 26, 2015 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 11679

Re: What would you do with 1.25 million dollars for 1 year?

Make sure that you pay close attention to per-transaction/per-month limits on all of these accounts. Ally currently has a monthly withdrawal limit of $600k, and a per-transaction limit of $150k.
by kenyan
Thu Mar 26, 2015 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1.25 million dollars for 1 year?
Replies: 39
Views: 3539

Re: Are simple Ira contributions taxed?

A SIMPLE IRA is similar to a 401(k) from a tax standpoint, but with lower salary deferral limits. There are some differences, but I think that for your needs, you can just think of it as a smaller 401(k).
by kenyan
Wed Mar 25, 2015 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Are simple Ira contributions taxed?
Replies: 4
Views: 345

Re: Where do I learn how much one SHOULD spend on a home?

OP, you sound like a bad candidate to buy a house at this point in your life. Your home life is not stable enough, for one - you are young and could change jobs, get married to someone who lives elsewhere and doesn't want to move, lock yourself into a long commute, have kids, or whatever. No good re...
by kenyan
Wed Mar 25, 2015 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Where do I learn how much one SHOULD spend on a home?
Replies: 64
Views: 5103

Re: Whole Life Insurance Vs. 401K/IRA

Also, see this -

viewtopic.php?f=2&t=57154

Whole Life is a common topic of discussion on these forums. Salesmen sometimes will frequent the forums in defense of these products, but they are by and large a very poor choice of instruments to use for investing.
by kenyan
Wed Mar 25, 2015 8:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance Vs. 401K/IRA
Replies: 9
Views: 625

Re: Whole Life Insurance Vs. 401K/IRA

There are situations where permanent life insurance (such as Whole Life) is worth having. They are very few and far between. I don't think you could find a single person who is well-educated on both permanent life insurance and retirement investing who would recommend eschewing a 401k in order to in...
by kenyan
Wed Mar 25, 2015 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Whole Life Insurance Vs. 401K/IRA
Replies: 9
Views: 625

Re: Restaurant tipping

I tip between 15-20% on the pretax, pre-coupon (if applicable) amount, depending on how the service was, though I'm not too strict about the percentages. Standard service merits 15%. Sometimes I'll go a bit above that number on a smaller bill/cheaper place if it still required service, or if the ser...
by kenyan
Tue Mar 24, 2015 3:27 pm
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 11679

Re: Funds to minimize Ameriprise SIMPLE IRA pain.

I have taken the initial steps to set up a SIMPLE IRA account through Ameriprise to take advantage of a 3% employer match. I credit this forum for preventing me from jumping headfirst into a 7% contribution with the first funds offered to me by the financial advisor. I've since read up a bit on Ame...
by kenyan
Mon Mar 23, 2015 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funds to minimize Ameriprise SIMPLE IRA pain.
Replies: 4
Views: 371

Re: 15 vs 30 yr mortgage

Mortgage rates are a strong function of the rates available on long-term bonds.

Unless there is reason to believe that the equity risk premium is now much larger than it has been historically, then one has to temper expectations with respect to the return of equities over a fixed-rate mortgage.
by kenyan
Mon Mar 23, 2015 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 vs 30 yr mortgage
Replies: 80
Views: 5963

Re: $600 night guard for teeth grinding, really?

My wife had to replace hers recently, and instead of the expensive dentist version, she opted for an online version. They shipped her a mold, she fitted it and sent it back, and a bit later she had a brand new custom-fitted night guard. She said it felt a little different from her previous dentist-s...
by kenyan
Fri Mar 20, 2015 10:20 am
 
Forum: Personal Consumer Issues
Topic: $600 night guard for teeth grinding, really?
Replies: 92
Views: 5757

Re: Can I have a tIRA & a Roth?

For 2014 - I've reached the income limit and cannot contribute to my Roth for 2014. I cannot current perform a backdoor roth because I have a rollover IRA from my previous company. I'm looking to roll this amount into my current companies 401k this year. What are my options? Should I contribute to ...
by kenyan
Fri Mar 20, 2015 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I have a tIRA & a Roth?
Replies: 19
Views: 1350

Re: Why Funds Over ETFs?

The employer-linked retirement accounts that contain most of our investments do not offer ETFs as an option. I do own one ETF in an IRA. If I had more invested in taxable and IRA accounts vs. employer accounts, I might have more invested in ETFs. Overall, I prefer the simplicity of the mutual fund, ...
by kenyan
Fri Mar 20, 2015 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Funds Over ETFs?
Replies: 57
Views: 5341

Re: Question on investing while planning for home purchase

Welcome to the forum! Your question is a common one around here, but in reading your actual post, you are looking for more guidance than just what to invest in for your down payment fund. It's great to see you interested in your future while still young. I would recommend picking up and reading a bo...
by kenyan
Fri Mar 20, 2015 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Question on investing while planning for home purchase
Replies: 8
Views: 794

Re: Can I have a tIRA & a Roth?

I'm in a similar situation with the OP - For 2014 - I've reached the income limit and cannot contribute to my Roth for 2014. I cannot current perform a backdoor roth because I have a rollover IRA from my previous company. I'm looking to roll this amount into my current companies 401k this year. Wha...
by kenyan
Fri Mar 20, 2015 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I have a tIRA & a Roth?
Replies: 19
Views: 1350

Re: What's a good digital antenna?

For what it's worth, there's no such thing as a "digital antenna". Any TV antenna will pick up VHF and UHF, which digital broadcasts are still transmitted on. An old rabbit ears antenna will pick up the signals. Exactly. There is no such thing as a digital antenna , that is marketing hype...
by kenyan
Fri Mar 20, 2015 8:57 am
 
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 2108

Re: Roth IRA MAGI and Taxes

Yes, SEP-IRA contributions reduce your MAGI. Traditional IRA contributions do not (they reduce your AGI if they are deductible but are added back in to your MAGI), but all other deductible IRA contributions do.
by kenyan
Thu Mar 19, 2015 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA MAGI and Taxes
Replies: 27
Views: 1532

Re: Dollar falls after Fed policy statement released

More proof that nobody knows nothin'? All the news I had heard predicted a drop in the US markets if 'patient' was removed from the Fed statement; instead, the opposite occurred. On top of that, even bond funds jumped on the news.
by kenyan
Wed Mar 18, 2015 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Dollar falls after Fed policy statement released
Replies: 10
Views: 1177

Re: Tesla S

I believe that's a bollard.
by kenyan
Wed Mar 18, 2015 11:13 am
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 634
Views: 78335

Re: master bath remodel: return on investment?

If you don't sell it, nothing. If you do sell it soon, some small percentage of what you spent. Maybe the 50% people are quoting. If you sell it a long time from now, some smaller percentage of what you spent. If you do all of the work yourself and sell it immediately, you'll likely get a positive r...
by kenyan
Wed Mar 18, 2015 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: master bath remodel: return on investment?
Replies: 42
Views: 2825

Re: What's a good digital antenna?

Definitely do the research first into how far you are from TV stations, and what type of broadcasts they offer. We are ~28 miles from most of ours in a major metro area, and got most channels ok with a Mohu Leaf, but two major networks are VHF and were not reliable. I ended up ditching it for an RCA...
by kenyan
Tue Mar 17, 2015 9:39 pm
 
Forum: Personal Consumer Issues
Topic: What's a good digital antenna?
Replies: 28
Views: 2108

Re: Did you buy a house because of low interest rate?

Certainly not. I bought a house because (a) our family and job situations were stable enough to be relatively certain that we could stay put for 5+ years; (b) we had the down payment saved up, and (c) analysis of all-in costs of renting versus buying given those conditions became favorable. Honestly...
by kenyan
Tue Mar 17, 2015 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Did you buy a house because of low interest rate?
Replies: 25
Views: 1749

Re: Definition of financial independence?

There is no requirement for income to be FI. All that is required is that one has no need to work for pay in order to achieve whatever standard of living one wishes to have (for the duration of their life). I definitely don't agree with the wikipedia definition. As noted, having sufficient assets, e...
by kenyan
Tue Mar 17, 2015 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Definition of financial independence?
Replies: 52
Views: 4835

Re: Do Fund Prices Rise Ahead of the Dividend Issue ?

Prices don't rise ahead of the dividend; they drop after the dividend to compensate for the value that was issued in the form of cash. If you're buying in a tax-advantaged account, the dividend dates are immaterial. In a taxable account, it's best to avoid the dividend if you're near that date.
by kenyan
Tue Mar 17, 2015 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Do Fund Prices Rise Ahead of the Dividend Issue ?
Replies: 8
Views: 836

Re: Bond ETFs [What drives the price change?]

If the price of a bond falls (either because interest rates have risen, or because the bond becomes more likely to default), the yield rises I could've misunderstood what you meant but I thought that a straight bond with a fixed coupon doesn't behave this way. If interest rates rise then the bond p...
by kenyan
Mon Mar 16, 2015 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Bond ETFs [What drives the price change?]
Replies: 7
Views: 620

Re: Best ways to save on electricity bill

We just received our electric bill. From January 16 - February 16 we used 558 kWh at a cost of $65.45 - not bad. We heat, cook, and heat water with natural gas. Our gas bill for February was $227 for 21,900 cu ft. Interesting data point. If I did my conversions correctly - and I might not have, as ...
by kenyan
Mon Mar 16, 2015 9:32 am
 
Forum: Personal Consumer Issues
Topic: Best ways to save on electricity bill
Replies: 58
Views: 6987

Re: 100% Stocks Long Term Pro/Con

Yes, it ignores dividends, though the NASDAQ is pretty low on dividends due to it being tech- and growth-focused.
by kenyan
Thu Mar 12, 2015 10:50 am
 
Forum: Investing - Theory, News & General
Topic: 100% Stocks Long Term Pro/Con
Replies: 51
Views: 3506

Re: 100% Stocks Long Term Pro/Con

Bonds don't offer inflation protection. When investing for a long period (and 30+ years is a long period around here) inflation is a greater threat IMHO. You might check out Treasury Inflation-Protected Securities or Series I savings bonds. I submit that those may even offer superior inflation prot...
by kenyan
Thu Mar 12, 2015 10:34 am
 
Forum: Investing - Theory, News & General
Topic: 100% Stocks Long Term Pro/Con
Replies: 51
Views: 3506

Re: If you could send an investment message 10 years in the

"Bitcoin price $1200 in November 2013, accumulate and then sell all before crash." If you picked them up for a tenth of a cent on average (approximate price in early 2010), that's a growth of 120 million percent, non-taxable (I think). Per dollar, not quite the impact of the lottery, but y...
by kenyan
Tue Mar 10, 2015 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 4274

Re: should I start Traditional IRA?

Welcome to the forum! Your income tax return does not have to increase just because you contribute to a deductible Traditional spousal IRA. Your husband can increase his exemptions, so that you get that money in your pocket every paycheck, instead of giving the IRS an interest-free loan. Do NOT favo...
by kenyan
Mon Mar 09, 2015 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: should I start Traditional IRA?
Replies: 3
Views: 208

Re: Bernstein: 2% investment returns over next 20 years

Nobody knows nuthin'. Interesting financial porn (yes, it's from a well-respected Bogleheadish author, but it's still financial porn), but that's about it.
by kenyan
Mon Mar 09, 2015 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22909

Re: Refi to rid myself of PMI

PMI is indeed a waste of money every month. It's very expensive insurance that you're buying for someone else's benefit. Assuming that you can get the appraisal and bank to line up properly to get rid of your PMI, it's almost certainly worth it. Back-of-the-envelope, paying that extra 25k will make ...
by kenyan
Mon Mar 09, 2015 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Refi to rid myself of PMI
Replies: 6
Views: 461

Re: How long did you stay in your starter home?

What's a starter home? I kid, but I've never bought in to the 'starter home' mentality, even though it is considered quite normal where I live. Kind of seems like buying a very expensive fund with leverage and a 9-10% load. Only lived in our (first) house for 1.5 years, so perhaps I shouldn't actual...
by kenyan
Sat Mar 07, 2015 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did you stay in your starter home?
Replies: 87
Views: 4633

Re: Do you consider mortgage payments as savings?

I budget (via YNAB) with cash flow. I don't budget via net worth, though I fully understand how that works (and I do track my net worth separately). In that budget, 'savings' are things that are disappearing from my monthly cash flow, are elective, and are earmarked for the future. The fact that the...
by kenyan
Sat Mar 07, 2015 12:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 20143

Re: What percentage of your total net worth is your home?

The market value of my house exceeds my net worth. Purchased it a bit over a year ago in a HCOLA. Now that I think about it, though, our liquid net worth is approaching the value of our mortgage, so we'll get to 100% soon. Ratios of house price to net worth didn't enter my thinking for a second when...
by kenyan
Fri Mar 06, 2015 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: What percentage of your total net worth is your home?
Replies: 62
Views: 4068

Re: What video games are you currently playing?

rtw318 wrote:
Still need to get back to Borderlands 2 on xbox360 to go through the Tiny Tina DLC too...


Tiny Tina is probably the best of the Borderlands DLC, at least if you have personal history in games and other 'geeky' pastimes - so many references you will get a chuckle out of.
by kenyan
Fri Mar 06, 2015 9:41 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 172
Views: 10801

Re: What does a $1M portfolio look like?

Once you get to the realm where fund minimums aren't an issue, there doesn't have to be any real difference. What benefit do you think there is in having more funds? More funds is not the same thing as better diversification. I'd bet there are people on these forums who have more than $1 million all...
by kenyan
Thu Mar 05, 2015 6:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does a $1M portfolio look like?
Replies: 64
Views: 9943

Re: Elect 75% of take-home pay to 401k?

In the OP's situation, it makes sense to use the marginal rate at both ends. He is deciding whether to max out the 401(k) this year or not, but will be maxing out a 401(k) (presumably traditional since he will be in a high bracket) for the rest of his career, and will use up the lower tax brackets ...
by kenyan
Thu Mar 05, 2015 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Elect 75% of take-home pay to 401k?
Replies: 35
Views: 1733

Re: How To Invest in Index Funds

You can probably be fairly aggressive with this money.

(a) you have two pensions
(b) you have SS coming in
(c) you have no need for the money in the near future

Also, you are purchasing in an IRA - don't invest in municipal bonds.
by kenyan
Thu Mar 05, 2015 11:39 am
 
Forum: Investing - Theory, News & General
Topic: How To Invest in Index Funds
Replies: 11
Views: 1579

Re: Subaru and Consumer Reports ratings

We have a 2014 Outback with 4000 miles. Brought it a year ago in February. Radio was just replaced. Radio also includes backup camera. Under warranty but... I have the same car and was having radio problems as well. I was disappointed at first, until the dealer discovered that it was due to my kids...
by kenyan
Thu Mar 05, 2015 11:31 am
 
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 9041

Re: Subaru and Consumer Reports ratings

Browser wrote:Woudn't touch a Subaru with a 10-foot car loan. Little too weird for me.


Interesting. Didn't you have a whole bunch of posts where you were considering a Subaru just a short time ago? What changed?
by kenyan
Thu Mar 05, 2015 11:27 am
 
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 9041

Re: Elect 75% of take-home pay to 401k?

You might as well contribute as much as you can to the 401(k) for 2015. In 2016, you will probably be earning much more than you can save in tax-deferred accounts, so you will build up a taxable account naturally. If you expect to need a certain amount of money in 2015 or 2016 (for example, to buy ...
by kenyan
Thu Mar 05, 2015 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Elect 75% of take-home pay to 401k?
Replies: 35
Views: 1733
Next

Return to advanced search