Search found 2453 matches

Return to advanced search

Re: Simple IRA help

On the IRS website, it says: "you can contribute to a traditional and/or Roth ira even if you participate in an employee sponsored retirement plan (including a SEP or simple ira plan). If your income exceeds certain levels, you may not be able to deduct your entire contribution." This is ...
by kenyan
Wed Nov 26, 2014 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Simple IRA help
Replies: 3
Views: 380

Re: Simple IRA help

Questions: 1. My job doesn't offer a 401K However, they do offer a simple ira through TD Ameritrade with a 3% match after you've been working there a year. I started in March 2014, so I can start contributing in 2015 from my understanding. With Simple IRA's, can I choose any fund? They made it soun...
by kenyan
Tue Nov 25, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simple IRA help
Replies: 3
Views: 380

Re: ETF return data location

To trick morningstar.com into showing you total return data on ETFs, rather than just price return, you can just grab a quote for a mutual fund (which defaults to total return), then type the ETFs you'd like to look at in the comparison box on the chart for "Growth of $10,000."
by kenyan
Mon Nov 24, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: ETF return data location
Replies: 4
Views: 239

Re: Can I max out day job 401k and Individual 401k for side

Here's a situation: 1) John maxes out his employer-provided 401k plan as an employee of a company ($17,500 in 2014). 2) John runs a side consulting business that will generate $30,000 in net income for 2014 -- can he establish an Individual 401k and contribute another $17,500 (or any amount, actual...
by kenyan
Wed Nov 19, 2014 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I max out day job 401k and Individual 401k for side biz?
Replies: 7
Views: 1031

Re: Heads up best reward credit card I've seen.

We started to use the Amex card one year ago, with a little bit of reluctance about the $75 fee, but since the 6% deal is so advantageous (this is $360 of savings over a year), we went for it, and this worked real well for us. MANY people use this card for groceries & gas. For us, the math on g...
by kenyan
Tue Nov 18, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: Heads up best reward credit card I've seen.

Sidney wrote:
kenyan wrote:We used to do a one-week vacation every year in Colorado that was 2600 miles round trip, doing the ~20 hour drive in one day each way,

Averaging 65mph is impressive.


Speed limit in Nebraska and eastern Colorado is 75, which made for 85-mph driving for much of it :D . We took shifts, as well.
by kenyan
Tue Nov 18, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: Paid off our Mortgage this evening!

Congratulations! Just another 29 years for us to say the same...

Ok, I do anticipate paying it off well before then, but we shall see.
by kenyan
Tue Nov 18, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 7564

Re: Heads up best reward credit card I've seen.

For us, the Sallie Mae Mastercard is working well to fill in gaps in our optimal Cash Back plan. We don't spend that much on gas, so that $250/month limit (5% before, 1% after) on gas is immaterial. Wouldn't work well for you. I wish the groceries limit were a bit higher, as we blow through the $250...
by kenyan
Tue Nov 18, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: Heads up best reward credit card I've seen.

We have been known to drive to Orlando and back 2000 miles for 7-8 day vacation. If I did my arithmetic right, that is like 4 days of driving overhead for a one-week vacation. We used to do a one-week vacation every year in Colorado that was 2600 miles round trip, doing the ~20 hour drive in one da...
by kenyan
Tue Nov 18, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 6280

Re: Buying a lasting vehicle

I don't think I'd buy a used Toyota/Honda/Subaru, unless it was >6 or so years old. The discount you get for buying late-model used on those makes doesn't seem worth it to me over buying new. For instance, at the time I bought my 2014 Outback, I could've bought a similarly equipped 2011 with 40k mil...
by kenyan
Tue Nov 18, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 4246

Re: Great camera to take pics?

Didn't read the whole thread, but I recently splurged (well, for me) on a Mirrorless Compact for my wife in order to get better pictures/videos of the children, who are now old enough that they aren't content to sit still in perfect lighting while we snap a shot with the smartphone. Ended up with th...
by kenyan
Tue Nov 18, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 4718

Re: FSA gains $500 rollover feature

Evolence wrote:Daycare FSA is limited to $5,000 / household.


And is sadly (particularly given the extreme inadequacy of the limit) not inflation-adjusted. We use that up in 3.5 months.
by kenyan
Tue Nov 11, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA gains $500 rollover feature
Replies: 42
Views: 3715

Re: Money saved by buying a hybrid or electric car?

In terms of recurring energy costs, a plug-in really wouldn't save me much in SoCal. Despite not being a particularly heavy electricity user, our marginal rate is typically $0.27-0.31 per kWh, and certainly would be up at the top tier if we had a electric car being charged every day. That rate drama...
by kenyan
Sat Nov 08, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6239

Re: Should I consider moving closer to work?

Commutes are tougher than you realize. A sizable percentage of your life wasted, especially if it's in a car. You are using up a lot of coping energy in a car. I live in SoCal, which is one of the places that people think nothing of spending 2-2.5 hours on a roundtrip commute each day. Some of them...
by kenyan
Wed Nov 05, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Should I consider moving closer to work?
Replies: 37
Views: 2564

Re: Roth IRA @ Max Income Bracket

Yeah. Sorry. I'm talking about converting my Rollover IRA to a Backdoor Roth IRA. Edit: okay. I got a few concepts mixed up in my head. #1 Would making after-tax contributions to a traditional IRA be hurting myself (per the question above) and #2 Would it make sense to convert my Rollver IRA to a R...
by kenyan
Wed Nov 05, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA @ Max Income Bracket
Replies: 9
Views: 648

Re: What do you set your thermostat to (in F)?

We set it to 50 degrees! Just put on extra layers of clothing! Is that not the Boglehead way? I am in awe! I wish I could do that but we are closer to: 65 day 60 night I could probably go to 50 but the fights with my wife and kids would be too hard. Plus we have guinea pigs who would freeze unless ...
by kenyan
Tue Nov 04, 2014 9:58 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4473

Re: 2015 Suburu Outback

I purchased a 2015 Forester 4 months ago, my only advice, Don't bother with the forester, the upgrade to the outback is well worth it. Eyesight is a game changing technology and well worth the small up charge. Prepare for a painful purchase process, Subaru demand is exceeding supply, you will most ...
by kenyan
Tue Nov 04, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 5329

Re: Active bond funds better than indexes? Pimco thinks so

The funny thing is that Oppenheimer Core Bond Fund investors were not enjoying high returns http://s10.postimg.org/rsbxlux61/Captura_de_pantalla_2014_10_24_a_la_s_5_18_37_P.png before it fell over the cliff. http://s10.postimg.org/bsta2b149/Captura_de_pantalla_2014_10_24_a_la_s_5_19_01_P.png It is ...
by kenyan
Sat Oct 25, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Active bond funds better than indexes? Pimco thinks so
Replies: 36
Views: 2550

Re: Mr. Market turns on Amazon

CyberBob wrote:In December of 2112 Amazon's P/E was 3,600 :shock:


What did Geddy Lee have to say about it, or was he mum on the topic?
:beer
by kenyan
Sat Oct 25, 2014 8:26 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4488

Re: Got my first cold call - does this mean I've 'made it?'

I definitely considered the 'mole' angle as another possibility. For some jobs, your work number may be out there and accessible to the general public (sales, service, etc.), but that is most definitely not the case with my job.
by kenyan
Thu Oct 16, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 30
Views: 5528

Re: Any active duty military familiar with TSP?

The TSP is truly excellent. I'm not active duty or retired military, but the TSP is commonly discussed here. The 'G' fund is what you want for bonds, it has characteristics that make it a free lunch of sorts (reward without risk/cost), at least in comparison to what is available to the general publi...
by kenyan
Thu Oct 16, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any active duty military familiar with TSP?
Replies: 19
Views: 1057

Got my first cold call - does this mean I've 'made it?'

Somehow, I received an investment adviser 'cold call' a couple of days ago at my work number. I'm on DNC lists at home. Not sure how this information got out - perhaps someone just randomly trying various extensions after looking up our corporate number? I might not be giving them enough credit on t...
by kenyan
Thu Oct 16, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 30
Views: 5528

Re: Can I put 52000 a year in my 403b (401k whatever)

The mega roth doesn't sound viable for me. Would the multiple work for me? Like can do a normal tax deferred 401k for 17.5k A roth 401k for 17.5k (at another facilities ) Plus employee matching Then maybe a 457b elsewhere (which presumably is irrelevant here) Is my thinking wrong? And yes my curren...
by kenyan
Thu Oct 16, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 2595

Re: Can I put 52000 a year in my 403b (401k whatever)

Don't confuse post-tax contributions with Roth contributions. They are different. 17.5k applies to both Roth and pretax contributions. Post-tax contributions mean that you've been taxed on them already (like a Roth) AND that you will be taxed on their gains later (unlike a Roth). They are, to put i...
by kenyan
Thu Oct 16, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 2595

Re: Can I put 52000 a year in my 403b (401k whatever)

If the limit at a job is 17.5k a year, what if I work at two different companies ? Could I legally max out both (as long as at least one Is entirely a roth)? Would be 35k/yr plus any matching No. "The amount of salary deferrals you can contribute to retirement plans is your individual limit ea...
by kenyan
Thu Oct 16, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 2595

Re: -11.33% YTD, asking for some guidance

I hate treating all my accounts as one. I have my retirement bucket, my emergency bucket and my current extra income for splurging bucket, each is invested differently and I don't even know how my overall allocation turns out, and keeping bucket portfolio works great in my case... We need to clear ...
by kenyan
Thu Oct 16, 2014 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3439

Re: Can I put 52000 a year in my 403b (401k whatever)

There are IRS restrictions (52k from all sources, 17.5k from employee pretax/Roth contributions), and there are plan restrictions (depends completely on plan). You cannot violate either. The IRS does not prevent after-tax savings above 17.5k, but your plan might. If your plan allows it, then you can...
by kenyan
Thu Oct 16, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 2595

Re: Why are 401k plans expensive?

I'm thinking that the OP is asking why does it cost a lot to administrate a 401k plan, not why many funds in said plans and/or plan fees can be expensive. The latter follows from the former. It's a good question, and one I have wondered about myself. Why is it that much more expensive to administrat...
by kenyan
Thu Oct 16, 2014 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3122

Re: Fleeting RBD for large-cap US and emerging markets?

I believe the Livesoft RBD qualifies if it's intra-day. If he was quick enough, he should have bought (especially since there haven't been many of them in the past 1.5 years). 2.5% is his minimum threshold. Thanks. I believe it depends on a specified number of lows over a specified period of time, ...
by kenyan
Wed Oct 15, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Fleeting RBD for large-cap US and emerging markets?
Replies: 16
Views: 1253

Re: -11.33% YTD, asking for some guidance

I think breaking the performance chasing / loss aversion mentality is a more pressing issue than improving the allocation. So the remedy is to do nothing and learn to live with the allocation you have for a while. I'm afraid that switching it up now in a panic is just more performance chasing under...
by kenyan
Wed Oct 15, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3439

Re: Putting Active Management to the Test

Nice. Figured you were the OP, but apparently not, and he hasn't posted in two months. Hopefully we get people to stick around long enough for this one to show meaningful results. Still wouldn't prove anything either way, but might be enlightening to see if a manager-picker could do well ex ante.
by kenyan
Wed Oct 15, 2014 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Putting Active Management to the Test
Replies: 108
Views: 13137

Re: Fleeting RBD for large-cap US and emerging markets?

I believe the Livesoft RBD qualifies if it's intra-day. If he was quick enough, he should have bought (especially since there haven't been many of them in the past 1.5 years). 2.5% is his minimum threshold.
by kenyan
Wed Oct 15, 2014 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: Fleeting RBD for large-cap US and emerging markets?
Replies: 16
Views: 1253

Re: U.S. stocks in freefall

garlandwhizzer wrote:The last 5 years has been up to now a consistent uninterrupted bull market which historically is overdue for a correction and has been for some time.

Garland Whizzer


I don't disagree with most of your post, but what about 2011? Peak-to-trough was -19% in TSM, -17.5% S&P 500.
by kenyan
Wed Oct 15, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 158606

Re: Why does the stock market beat inflation?

Setting aside the fundamentals that drive stock market valuation for a minute, and looking at it from an investing standpoint - Let's say that you can invest in A or B. Investment A is highly volatile, unreliable, and could result in you losing nearly all of your money. Over the long term, you expec...
by kenyan
Wed Oct 15, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market beat inflation?
Replies: 62
Views: 3167

Re: Headed for a 300+ point loss today?

Thanks Victoria and letsgobobby, good feedback. lgb, some time ago you mentioned a risk tolerance investing simulator. Was that a specific simulator you were working on, or were you speaking about risk tolerance quizzes/tests in general? Paul I think sometimes people understand risk better in dolla...
by kenyan
Wed Oct 15, 2014 9:26 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34394

Re: T Mobile Free 200MB Data Per Month Global iPads

Pretty nice. I would go for this if I wanted to buy a new iPad, but my current tablet (2.5 years) is working fine and I have no desire to drop that kind of money in the near future. Mine doesn't have a 4G receiver, since I knew there was no chance I wanted to pay for a second data plan on top of the...
by kenyan
Wed Oct 15, 2014 9:19 am
 
Forum: Personal Consumer Issues
Topic: T Mobile Free 200MB Data Per Month Global iPads
Replies: 15
Views: 1467

Re: Should your AA change based on World Events?

No. There are always world events to worry about. Look up the lyrics to "We Didn't Start the Fire" by Billy Joel for his now-dated take. Are there exceptions? Well...hmm, I think that anything severe enough to constitute an exception might leave me scrambling to salvage anything I could in...
by kenyan
Tue Oct 14, 2014 9:42 am
 
Forum: Investing - Theory, News & General
Topic: Should your AA change based on World Events?
Replies: 22
Views: 1458

Re: How will we know if value-tilting has stopped working?

I don't consider the tilts to be a free lunch. They are called 'risk factors,' are they not? There is risk, which means the possibility of underperforming, even over long time horizons. I also don't see any reason why they should lose, which would mean that Large and/or Growth is outperforming. So.....
by kenyan
Tue Oct 14, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: How will we know if value-tilting has stopped working?
Replies: 44
Views: 3142

Re: U.S. stocks in freefall

Still up 3-4% on the year as of yesterday, not counting contributions. A healthy portion of bonds and REITs has helped in that regard, while my International and Small-Value slices have dragged me down.
by kenyan
Tue Oct 14, 2014 9:26 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 158606

Re: Bought a house, now time to think about retirement (help

Looks like you're doing fine, as long as you didn't pauper yourselves on your house purchase. Because of your business, you have ample options for tax-advantaged savings. Solo 401k (possibly over $50k/year), His 401k ($17.5k plus match/year), two Roth IRAs ($11k/year, backdoor if necessary but shoul...
by kenyan
Mon Oct 13, 2014 10:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Bought a house, now time to think about retirement (help)
Replies: 27
Views: 2001

Re: ETF's instead of index funds?

Does anybody strictly use ETF's instead of index funds? It seems so logical to use them instead of Index funds since there are no minimums. Though people have responded with the correct terminology (based upon the intent of your post), what you mean to ask is "...ETF's instead of mutual funds&...
by kenyan
Mon Oct 13, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: ETF's instead of index funds?
Replies: 24
Views: 1538

Re: Market corrections and rebalancing band

I slice and dice, and I use 15% relative bands. Each slice can trigger a rebalance when it drops or rises above its threshold. When that rebalance occurs, I will attempt to get most if not all of the allocations back to their target, even if they weren't above/below their respective triggers. Is thi...
by kenyan
Sun Oct 12, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: Market corrections and rebalancing band
Replies: 71
Views: 4211

Re: Best town I've never heard of [for relocating]

You know, I've never been there (aside from passing through), but I'd say Los Alamos, NM. Seasons, scenery/mountains, just over one hour from Albuquerque, highly educated and excellent schools. Santa Fe is close for jobs outside of scientific pursuits.
by kenyan
Sat Oct 11, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 10072

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

1. Refinanced our mortgage from 4.75%/30 years to 5/5 ARM at 2.625%. 2. Continued to replace incandescent light bulbs with LEDs or CFLs. Only a few left that get any significant use, and those are hard to find good replacements for (candelabra base bulbs inside light fixtures that don't fit the CFLs...
by kenyan
Fri Oct 10, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 134
Views: 12168

Re: Another "Am I ready to buy?" post

I'm not a fan of purchasing when your living situation is still fluid and/or when your holding period may be short. You lose close to 10% off the top on round-trip transaction fees, and are taking a substantial risk on potential short-term losses. Yes, the Bay Area market is hot and has been for a w...
by kenyan
Wed Oct 08, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Another "Am I ready to buy?" post
Replies: 3
Views: 970

Re: diff share prices between investor, admiral, & ETF share

Why are there major differences between some vanguard fund share prices of investor, admiral, & ETF shares? I was under the impression they are the same products (ie tracking same index) except with different expense ratios in the case of investor versus admiral shares; and regular mutual fund ...
by kenyan
Wed Oct 08, 2014 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: diff share prices between investor, admiral, & ETF shares
Replies: 5
Views: 530

Re: TLH question

I think you can be reasonably confident in those not being classified as substantially identical, though as dbr noted, there are no clearly defined rules. Nevertheless, the two funds you are considering have different holdings (Vanguard fund holds small caps, for one, while the TIAA-CREF fund does n...
by kenyan
Wed Oct 08, 2014 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH question
Replies: 4
Views: 266

New York 529 cuts costs again

The New York 529 plan has been the cheapest overall plan for a couple of years now, though there are a few select funds in some other plans that are offered with lower fees. Nevertheless, the plan just cut costs by over 6%! While that statement is technically true, the reality is that it was a cut o...
by kenyan
Mon Oct 06, 2014 10:33 am
 
Forum: Investing - Theory, News & General
Topic: New York 529 cuts costs again
Replies: 0
Views: 256

Re: S&P 500 Price chart by all-time highs

When looking at this time frame, you should look at inflation adjusted log charts. Then it becomes clear that we didn't really recover from the great depression till 1960, and what look like flat plateau's in the 60's and 70's were actually pretty severe downturns. http://img-fotki.yandex.ru/get/44...
by kenyan
Thu Oct 02, 2014 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 Price chart by closing milestones
Replies: 8
Views: 843

Re: Would you buy a house in cash if you had enough?

I would (assuming I didn't have to trigger a bunch of taxes to pay cash). Would simplify closing for an added benefit.
by kenyan
Thu Oct 02, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house in cash if you had enough?
Replies: 59
Views: 4389
Next

Return to advanced search