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Re: Poll: Do you contribute max to tax-advantaged before 529

Something else - I'm between categories. We max our workplace retirement accounts and contribute regularly to both of our Roth IRAs as well as 529s (favoring the Roths, but still adding something to 529s). That baseline scenario actually fits into one of the poll options. However, we make efforts th...
by kenyan
Thu Jan 29, 2015 6:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Do you contribute max to tax-advantaged before 529?
Replies: 25
Views: 1519

Re: What age did you move out?

Moved out at 17 for college, though I did spend the first summer at home, as well as the summer before grad school.
by kenyan
Thu Jan 29, 2015 3:00 pm
 
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 4805

Re: Workplace net worth conversations you'd like to avoid?

I don't get into conversations about net worth, but I will mention my general strategy if the conversation turns that way: (1) I am taking control of my own retirement, rather than relying upon pensions or social security (2) I recognize that social security and/or pension will provide something, bu...
by kenyan
Thu Jan 29, 2015 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Workplace net worth conversations you'd like to avoid?
Replies: 79
Views: 6966

Re: traditional v. roth IRA

Thank you for the response. I am totally confused, and it is still a little difficult to wrap my head around. Basically, if I am going to be in the same tax bracket my entire life, I should fully fund a Traditional IRA and a Roth IRA both. I just went into TaxAct and added a contribution of $5500 t...
by kenyan
Thu Jan 29, 2015 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: traditional v. roth IRA
Replies: 12
Views: 865

Re: traditional v. roth IRA

In your situation, I have a hard time figuring out why anyone would want a traditional IRA. I would be so upset knowing that all of my contributions and GROWTH would be getting taxed. If I invested for 20 years and made 8% interest on my funds, I'm going to have a nice pile of cash sitting there fo...
by kenyan
Thu Jan 29, 2015 9:57 am
 
Forum: Investing - Help with Personal Investments
Topic: traditional v. roth IRA
Replies: 12
Views: 865

Re: traditional v. roth IRA

Generally speaking, a Roth IRA is recommended for those in the 15% bracket. If you're in the 22% combined bracket, you could really go either way on that. Assuming that you're in a 32% combined bracket, a Traditional IRA does become quite attractive, especially since you do have some other needs for...
by kenyan
Wed Jan 28, 2015 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: traditional v. roth IRA
Replies: 12
Views: 865

Re: VNQ & VNQI

I do have an REIT allocation (10% of equity), and split all of my other equity 50/50 domestic/international. I don't currently hold VNQI because (a) as an ETF it is not available to me in the bulk of my retirement accounts, and (b) it would split my smallest slice in half, perhaps rendering it insig...
by kenyan
Wed Jan 28, 2015 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: VNQ & VNQI
Replies: 9
Views: 988

Re: Salary to Home Value/Mortgage Ratio?

Beyond that, you're looking at 2+ hours/day commute, and prices don't get any better until you take on a 3+ hour/day commute (Riverside County, Temecula, Coachella Valley, etc). Most of the cities there I deem "middle class" are $600k+ and up, which is not easy to do with a 3:1 ratio. Hou...
by kenyan
Mon Jan 26, 2015 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary to Home Value/Mortgage Ratio?
Replies: 50
Views: 5387

Re: Salary to Home Value/Mortgage Ratio?

No, but traditional ratios kind of need to be dumped for HCOLA That would be precisely the wrong thing to do. The ratios work perfectly in telling people they can't afford a house, they can't afford a higher payment just because they live in a higher cost of living area. The answer isn't a higher d...
by kenyan
Mon Jan 26, 2015 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary to Home Value/Mortgage Ratio?
Replies: 50
Views: 5387

Re: Salary to Home Value/Mortgage Ratio?

1:2 or less is optimal but in high cost of living areas you may have to go as high as 1:3. 1:3 isn't even very doable for many of those living in HCOLA. Consider the South Bay employment hub area of Southern California: "Don't bother" cities: Manhattan Beach - $1.9m Hermosa Beach - $1.3m ...
by kenyan
Mon Jan 26, 2015 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary to Home Value/Mortgage Ratio?
Replies: 50
Views: 5387

Re: How are we doing? I'm feeling lost

You have $50k in a money market fund earning nearly zero, which you don't have earmarked for anything in particular. At the same time, you are paying 6% on a $46k student loan. That's nearly $3000 per year that you are throwing away. Is there a reason? Is this part of the "house down payment fu...
by kenyan
Mon Jan 26, 2015 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: How are we doing? I'm feeling lost
Replies: 12
Views: 1957

Re: Salary to Home Value/Mortgage Ratio?

HCOLA on 1.5 incomes (part-time work due to kids). On purchase, income/purchase price was 1:4. 1.5 years later, that ratio is 1:3.4 due to income increases. 1:2.6 when talking about mortgage balance. With current PITI after refinance into PenFed 5/5 ARM, PITI/gross income is 17%; PITI/take-home is 2...
by kenyan
Mon Jan 26, 2015 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Salary to Home Value/Mortgage Ratio?
Replies: 50
Views: 5387

Re: What are you up YTD?

The change in value of my investment holdings was +15.11% in 2014. This includes contributions made in 2014. Are you from Beardstown, Illinois? Nope, that is why I said change in value instead of rate of return and specified that the percentage included contributions. Perhaps I need to work on a wa...
by kenyan
Fri Jan 09, 2015 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 271
Views: 30088

Re: Just finished Bogleheads' Guide to Investing and...

1.) I have a peer to peer lending account that has consistently done well the last 3 years. Due to this I plan on making that my IRA as it's currently being taxed at my marginal tax bracket which is killing my actual returns. I don't qualify for a Roth but can backdoor in. My question is, using my ...
by kenyan
Fri Jan 09, 2015 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Just finished Bogleheads' Guide to Investing and...
Replies: 19
Views: 2833

Re: Bogleheads 2015 Hedge Fund Contest

I am sorry to say but this is a contest that someone can win, guaranteed. All you need is something in the rough order of 3000 * 2999 * 2998 * 2997 * 2996 * 2995 / 6! boglehead accounts, and you are set. Statistically, you probably need even less. Something like 3000 * 3000 accounts might be enough...
by kenyan
Thu Jan 08, 2015 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 112
Views: 9792

Re: What do you drive, and why?

2014 Subaru Outback Limited 2.5. Bought it new in late 2013 to replace my Infiniti G35 Coupe, which was no longer practical due to the emergence of two young ones. Plan on keeping it for a very long time. We settled on this car because: (a) we need a do-everything car that can handle family trips, i...
by kenyan
Thu Jan 08, 2015 11:21 am
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 205
Views: 17291

Re: SlingTV

DVR or not is irrelevant to this discussion. There are numerous options to have DVR functionality for over-the-air television.
by kenyan
Thu Jan 08, 2015 11:12 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3987

Re: WHY is retirement enjoyable / something to look forward

I can't wait to retire. I want the freedom.
by kenyan
Thu Jan 08, 2015 10:26 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20051

Re: SlingTV

I always get a kick out of people complaining about the high cost of cable or Directv,etc.It can cost how much to go to a play,concert or live sporting event?It cost over 20 bucks to go to a movie for two people without a discount ticket.For the monthly costs If you look at it a different way it is...
by kenyan
Thu Jan 08, 2015 10:24 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3987

Re: The Bond King says cycle closing and Cash is King

IPer wrote:
thenextguy wrote:Bond King? Well, I didn't vote for him.


ok I'll change it to Bond Dude or Bloke or something...!


Pshaw. You don't vote for kings. The Lady of the Lake, her arm clad in the purest shimmering samite...
by kenyan
Wed Jan 07, 2015 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: The Bond King says cycle closing and Cash is King
Replies: 22
Views: 3787

Re: The Bond King says cycle closing and Cash is King

Bill Gross has been good at managing a large bond fund. One thing he has not been good at is (public) prognostication.
by kenyan
Wed Jan 07, 2015 11:19 am
 
Forum: Investing - Theory, News & General
Topic: The Bond King says cycle closing and Cash is King
Replies: 22
Views: 3787

Re: SlingTV

For those that have dumped cable TV, how do you deal with the loss of the DVR? I don't record programs, so I never really needed one. I believe I still own a vcr in the basement if I was desperate. Tivo would probably be an appropriate solution for folks who want to record a lot of over-the-air tel...
by kenyan
Wed Jan 07, 2015 10:58 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3987

Re: SlingTV

Do you get HD with an antenna? You get crystal-clear HD with an antenna, assuming your reception is fine. Our antenna HD is better than our DirecTV HD was. As for loss of DVR - check out the Channel Master DVR+. There are other options, but if you don't want to pay any monthly DVR fees, it's the be...
by kenyan
Wed Jan 07, 2015 10:56 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3987

Re: Am I making a mistake pausing investing to save for a ho

Are you still investing in your 401k and/or IRA? There are provisions, particularly within IRAs, that allow for penalty-free withdrawals for house purchases. If you have flexibility in your purchasing timeline and purchase price, then a bit of risk in your down payment portfolio is fine, possibly ev...
by kenyan
Tue Jan 06, 2015 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Am I making a mistake pausing investing to save for a house?
Replies: 7
Views: 878

Re: SlingTV

No interest in it (cut the cord a month ago), but I like the direction it's moving. Hopefully we will eventually be able to select the channels that we want, instead of paying a huge premium on having every channel under the sun. Not sure if that would bring us back to paying for TV, though. Maybe i...
by kenyan
Tue Jan 06, 2015 3:34 pm
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3987

Re: How do state taxes impact TBM?

Right, so it looks like half the holdings of TBM are taxable, however? Are MBS bonds taxable by state? Would a rough way to guess the tax consequence be this- 5% state income tax, 2% bond yield (half of which are taxable?) so 5% of 1% is 5 basis points tax consequence? GNMA bonds are taxable by sta...
by kenyan
Tue Jan 06, 2015 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: How do state taxes impact TBM?
Replies: 7
Views: 517

Re: How do state taxes impact TBM?

Treasuries are not taxed by states (capital gains are, but not interest). TBM is mostly treasuries. Vanguard will send you what percentage of its holdings are not taxable by state, and you can prorate your state taxes accordingly.
by kenyan
Tue Jan 06, 2015 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: How do state taxes impact TBM?
Replies: 7
Views: 517

Re: Good day to buy! (Or not!)

By 'good day to buy' do you mean 'worse day to buy than nearly every day in US stock market history?'

:)
by kenyan
Tue Jan 06, 2015 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Good day to buy! (Or not!)
Replies: 25
Views: 2580

Re: How Have You Increased Your Savings Rate?

A very easy way to do it is to just save half your raises... You get a $2000 raise, increase your savings by $1000 and your lifestyle by $1000. Do this for a decade or two, and you'll find yourself in your late 30s, early 40s, with a very solid savings rate, AND you'll have increased your lifestyle...
by kenyan
Tue Dec 30, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Have You Increased Your Savings Rate?
Replies: 50
Views: 5725

Re: Outdoor HDTV Antenna and DVR Setup

Our Mohu Leaf was giving us issues, particularly when rainy weather entered the area. Fine for UHF stations, not for VHF stations. I bit the bullet and bought an outdoor RCA ANT751 antenna to mount on our roof. I've had it up for a few days now, and everything has been flawless (including in the cur...
by kenyan
Tue Dec 30, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Outdoor HDTV Antenna and DVR Setup
Replies: 50
Views: 5639

Re: How Have You Increased Your Savings Rate?

A very easy way to do it is to just save half your raises... You get a $2000 raise, increase your savings by $1000 and your lifestyle by $1000. Do this for a decade or two, and you'll find yourself in your late 30s, early 40s, with a very solid savings rate, AND you'll have increased your lifestyle...
by kenyan
Sun Dec 28, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Have You Increased Your Savings Rate?
Replies: 50
Views: 5725

Re: 401K - No Company Match

Grt2bOutdoors wrote:Max the 401k, the taxes alone are your incentive.


This.
by kenyan
Fri Dec 26, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K - No Company Match
Replies: 9
Views: 1376

Re: What % of net worth is your home?

HCOLA, and about 25% when using the purchase price of the house as the value. Based upon comps (like the house next door that sold earlier this month), value has increased by perhaps 8-10% since our purchase last year, but since we'd pay nearly that much in transaction costs were we to sell it, I do...
by kenyan
Fri Dec 26, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 10989

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

Livesoft is indeed suggesting market timing, and there's no way to know what the future holds for REITs or Emerging Markets. There are valuations and analyses that might suggest whether or not something is over/under-valued, but there's no silver bullet there. At the beginning of 2014, REITs were u...
by kenyan
Wed Dec 17, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 36
Views: 4704

Re: Would you invest $2500 or ?

I don't know you or your brother (obviously). I do have a sibling who isn't terribly dissimilar, though not quite as seriously dysfunctional. From a distant outsider's perspective, it simply sounds like you're the next 'mark' of a con man. Give him the $2500 as a gift if you wish, but consider that ...
by kenyan
Wed Dec 17, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Would you invest $2500 or ?
Replies: 21
Views: 1694

Re: We cut the (Cable/Satellite TV) Cord!

We cut time warner crap cable 12 months ago in favor of netflix and the savings allowed us to pay off our mortgage a month earlier than we would have been able to. There's more content on netflix than we can watch and haven't regretted it one bit. I helped convince the wife by pointing out that we ...
by kenyan
Wed Dec 17, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 4496

Re: Outdoor HDTV Antenna and DVR Setup

Check out Channel Master. We've used one and like it. http://www.cnet.com/products/channel-master-cm-7000pal/ I had one of these when they first came out, it was one buggy piece of hardware/software. We used it for a few years and to the point where they had it working well. They used to be made by...
by kenyan
Wed Dec 17, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Outdoor HDTV Antenna and DVR Setup
Replies: 50
Views: 5639

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

livesoft, difference seems to be though that I'm keeping with my allocations and staying the course. It seems like by trying to buy low and sell high/underweight when going down and overweight when going up that that's not staying the course. That's market timing. Former is easy to accomplish but l...
by kenyan
Wed Dec 17, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 36
Views: 4704

Re: We cut the (Cable/Satellite TV) Cord!

Will purchase HBO GO when GOT is back on next year. I hear that HBO will be selling HBO GO as a stand alone service without cable in the future. We plan to look into the same, for the same reason. Last I heard, the plan for the standalone HBO is to be offered in March, which is likely just in time ...
by kenyan
Tue Dec 16, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 4496

Re: We cut the (Cable/Satellite TV) Cord!

But what is the cost of your internet? I have also done away with cable, but only because I have cheap DSL that is capable of streaming....to some degree, depending on how many people in my house are on the internet. For me, it saves money, but only because I can live with DSL. In my area, if you w...
by kenyan
Mon Dec 15, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 4496

We cut the (Cable/Satellite TV) Cord!

Just a topic to discuss what people (who watch some TV) are doing to avoid the increasingly exorbitant fees charged by Cable/Satellite TV providers. We cut the cord last week. Though I'm not much of a TV watcher, my wife is, so this decision was resisted for a long time. Old setup Primary TV: DirecT...
by kenyan
Mon Dec 15, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 4496

Re: Need help with men's exercise clothes please

Under Armour is what I wear nowadays. Definitely is a big improvement over cotton. Similar higher-end apparel such as Nike may be good, but I haven't been as fond of some cheaper stuff due to the difference in odor prevention. Note that though UA is not cheap, you can find ways to make it more palat...
by kenyan
Mon Dec 15, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 55
Views: 3863

Re: What are your 2015 Financial Goals?

Top 3 goals: Max out 403(b) Max out SIMPLE IRA Max out His/Hers Roth IRAs We're close to achieving this for the first time for 2014; it'll depend upon whether we can find enough money early in 2015 to max out our 2014 Roth IRA contributions. The next two goals are more nebulous, but will happen if w...
by kenyan
Mon Dec 15, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 8243

Re: How do you contribute to your IRA?

Contribute throughout the year to both IRAs, with a regular monthly payment (less than $11000/12) and additional contributions when extra money is available (overtime, bonuses, tax refund, unexpected savings). If we can manage it in the future - i.e. Roth can be maxed without relying on unexpected/u...
by kenyan
Mon Dec 15, 2014 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you contribute to your IRA?
Replies: 33
Views: 1713

Re: Went "all in" Nov 17-21 in VTTHX (2035) - worried...

What's done is done. It no longer matters what you could have done in the past. Also - from Nov 17 to today, VTTHX is down less than 2%. That's what you're worked up about? Do not start trying to pull money out to time the market. That's the slippery slope to ruin. Well, maybe not quite ruin, since ...
by kenyan
Mon Dec 15, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Went "all in" Nov 17-21 in VTTHX (2035) - worried...
Replies: 26
Views: 3455

Re: Rent or Buy a House with Newborn On the Way!

Thanks for the recommendation of the tool of deciding to rent or buy. http://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html?_r=1&abt=0002&abg=1 It is very interactive and helpful. One question, does this computation include any tax deductions on mortgage interest? If so, c...
by kenyan
Mon Dec 15, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy a House with Newborn On the Way!
Replies: 11
Views: 1415

Re: How do you figure out the best location to buy a house?

Our main criteria were - 1. Affordable 2. Close to work 3. Good public schools 4. At least ~1 mile from major freeways to avoid excessive noise and air pollution 5. Not on or adjacent to major thoroughfare to avoid noise pollution 6. Low crime rate All of those items were non-negotiable. There were ...
by kenyan
Mon Dec 15, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: How do you figure out the best location to buy a house?
Replies: 40
Views: 3161

Re: 529 advice for California based family.

California's plan is not good and we don't get any deduction so there is no point in sticking to it. Check the article below for Morningstar's ratings, NV's is ranked Gold. I don't know why you would say that California's plan is not good. It is one of the best plans out there, and has the cheapest...
by kenyan
Sun Dec 14, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 advice for California based family.
Replies: 13
Views: 1136

Re: Quick question: S&P 500 or Total Stock

Total Stock Market is preferable, but it's fairly minor overall and won't be the difference between retiring or not. Reasons to prefer TSM include - simplicity, better diversification/inclusion of the other 20% of the market, relative immunity to front-running. Reasons to prefer S&P 500 include ...
by kenyan
Wed Dec 10, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick question: S&P 500 or Total Stock
Replies: 18
Views: 1798

Re: 529 advice for California based family.

UTMA is an ok option, but I'm in the camp that it's not as desirable because it's the kid's money to do with as he/she pleases. For a "good" kid that won't be a problem, but I'd rather have a bit more control over my hard-earned money. I live in CA, albeit with a lower income than the OP, ...
by kenyan
Wed Dec 10, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 advice for California based family.
Replies: 13
Views: 1136
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