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Re: Boglehead just got out of debt -- save for downpayment??

forgot to add, i am 30 years old.....with a girlfriend.
by nafreed
Sat Jun 01, 2013 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead just got out of debt -- save for downpayment??
Replies: 4
Views: 492

Boglehead just got out of debt -- save for downpayment??

Hey Bogleheads-- I recently just got out of credit card and student loan debt. I am free and clear. Maxed out 401K and Roth IRA for 2013 My current portfolio is as follows: Vanguard PMM 6 months of emergency fund Retirement (Here are my rough numbers (I rounded them, so not completely to 100%)): Rol...
by nafreed
Sat Jun 01, 2013 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead just got out of debt -- save for downpayment??
Replies: 4
Views: 492

2013 - 401k/Roth Maxed out already

hey bogleheads-- just curious on your advice: emergency fund: 6 months maxed out (vanguard pmm) 401k 2013: maxed out roth ira 2013 maxed out zero debt -- just paid off student loans and have no cc debt I cannot enroll in the hsa--I missed open enrollment. I am currently employing the 3 fund portfoli...
by nafreed
Sat Feb 09, 2013 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: 2013 - 401k/Roth Maxed out already
Replies: 1
Views: 534

Re: 29 years old, looking for a fund to spice up performance

ha, this forum sure knows how to put you in your place. i do admit i'm not the most well-read boglehead, but I try... I just rolled over an actively managed stock fund for vanguard total bond market index. I now own VG total stock, total international stock and total bond. i'm more comfortable now t...
by nafreed
Mon Jun 04, 2012 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 years old, looking for a fund to spice up performance...
Replies: 20
Views: 1492

29 years old, looking for a fund to spice up performance...

hi, i am 29 years old. I have 6 months emergency in PMM and I use currently use a 2-fund approach for my retirement. My roth ira is total stock market, and I have a rollover IRA in total international stock market. i feel like i can tolerate a lot of risk because of my age an mentally, i think i can...
by nafreed
Sun Jun 03, 2012 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 years old, looking for a fund to spice up performance...
Replies: 20
Views: 1492

Re: 29 years old...am I too conservative right now?

yes, I am going to do that tomorrow. I will be rolling it over into a vanguard TIRA. I also am going to dedicate this year to eradicating my student loan debt. I am also comfortable with the 3 fund index portfolio....total international stock index, total stock index and total bond. seems like this ...
by nafreed
Sun Jan 08, 2012 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 years old...am I too conservative right now?
Replies: 12
Views: 1207

Re: 29 years old...am I too conservative right now?

TRC--

Ha, yes I agree. I basically doubled my base over the last 2 years, so now I can do so...which is why I am now engaged in the investing world.
by nafreed
Sun Jan 08, 2012 6:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 years old...am I too conservative right now?
Replies: 12
Views: 1207

Re: 29 years old...am I too conservative right now?

hey Bob-- I do not have an employer sponsored 401k plan, it's a start-up company so we have no retirement beenfits. My understanding was that I could not make use of a TIRA if I contribute 5K to a Roth, which is what I wanted to do. I do agree I should probably pay down the SL debt, which i am plann...
by nafreed
Sun Jan 08, 2012 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 years old...am I too conservative right now?
Replies: 12
Views: 1207

29 years old...am I too conservative right now?

My current scenario is below. Over the next week, I will have $5,000 in cash for a Roth IRA investment for 2012. I feel that I should be more aggressive in some higher performing funds due to my age and current allocations of fairly conservative holdings thus far. I have not missed a year in contrib...
by nafreed
Sun Jan 08, 2012 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 29 years old...am I too conservative right now?
Replies: 12
Views: 1207

can you tweak this amateur boglehead's finances?

Looking to buy an apartment December 2009 Age: 25 Single Income approx 70k/year Roth 2008 maxed out Contributes $600.00/month to 401k Emergency fund: $10k Apartment downpayment savings: $2,200 Taxable DODBX 7.38% Tax Advantaged DODFX (Roth IRA) 52.64% VTSMX (Roth IRA) 25.25% VWNFX (employer 401k) 22...
by nafreed
Tue Jun 24, 2008 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: can you tweak this amateur boglehead's finances?
Replies: 1
Views: 541

buying an apartment -- first time

Hi Bogleheads, I am starting to research what it costs, takes and the right questions to ask to buy an apartment. Can anyone suggest any good resources to follow so that I do it right?

Many thanks!
by nafreed
Thu Jun 19, 2008 4:56 am
 
Forum: Investing - Help with Personal Investments
Topic: buying an apartment -- first time
Replies: 5
Views: 1088

any CPAs? is a referral fee taxable income?

Sorry for the off-topic post, just a quick question if their are any knowledgeable tax experts reading. A friend of mine was paid a referral fee for referring a customer to another friend's business. The fee was paid as a check for 300.00. Because it is under 600.00, must this money be declared as i...
by nafreed
Mon Apr 28, 2008 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: any CPAs? is a referral fee taxable income?
Replies: 4
Views: 2111

savings vehicles for downpayment --- any threads?

Hi Bogleheads,

I tried searching, but had a hard time finding a thread regarding suggestions on savings vehicles for a house downpayment. Can anyone recommend some good threads? Age is 25 and time horizon is 5-6 years.

Thanks.
by nafreed
Sun Apr 20, 2008 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: savings vehicles for downpayment --- any threads?
Replies: 0
Views: 671

sootzoo, being that the funds you suggested are index funds, arent they rather tax efficient as well? shouldnt i be looking for funds which are less efficient so i can benefit from the tax-advantaged-ness?
by nafreed
Fri Apr 11, 2008 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Put VTSMX in roth ira by mistake........can I now do this
Replies: 9
Views: 2202

the 5k wasnt really supposed to go to anything. i had been a little reckless with me AA until now. and i decided to alloocate 75% to domestic stocks. but then i realized that i put a super tax efficient fund in a tax advantaged account which didnt really make sense
by nafreed
Fri Apr 11, 2008 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Put VTSMX in roth ira by mistake........can I now do this
Replies: 9
Views: 2202

Put VTSMX in roth ira by mistake........can I now do this

Its not a huge mistake, but i put 5k in my roth for 2008 in vtsmx. as i understand, vtsmx is very tax efficient. i think i would be better served if i put it in a taxable account and not my roth. can i sell/exchange my shares of vtsmx for another vanguard fund without incurring any penalties because...
by nafreed
Fri Apr 11, 2008 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Put VTSMX in roth ira by mistake........can I now do this
Replies: 9
Views: 2202

thanks to all
by nafreed
Wed Apr 09, 2008 11:55 am
 
Forum: Investing - Theory, News & General
Topic: Your opinion on midcaps? vanguard mid cap growth?
Replies: 9
Views: 2278

Your opinion on midcaps? vanguard mid cap growth?

Hello my friends, just wondering what the general consensus is regarding midcaps nowadays? I am looking to diversify a bit more. I am rolling over 401k money and have a bunch of vanguard funds to choose. I am heavily weighted in total stock market index. I am looking to diversify a bit more into sma...
by nafreed
Wed Apr 09, 2008 9:58 am
 
Forum: Investing - Theory, News & General
Topic: Your opinion on midcaps? vanguard mid cap growth?
Replies: 9
Views: 2278

do you use software to manage your AA??

I am wondering about how you keep an accurate snapshot regarding your asset allocations? I am looking for something that will allow me to periodically look at my portfolio and tell me when it is out of balance. Do you use spreadsheets? Web-based tool? Computer software? Morningstar Xray?? Any sugges...
by nafreed
Wed Apr 02, 2008 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: do you use software to manage your AA??
Replies: 31
Views: 6449

taking distributions in cash....??

I currently own D&C balanced in a taxable account. Because its a balanced account containing bonds, it seems that I should not want the fund to get any bigger because of the tax disadvantages???? -- hence me taking any dividends/gains in cash to a bank account to redistribute. Yesterday I just r...
by nafreed
Wed Apr 02, 2008 6:58 am
 
Forum: Investing - Help with Personal Investments
Topic: taking distributions in cash....??
Replies: 1
Views: 664

thanks guys, i really appreciate the feedback. you're awesome!
by nafreed
Fri Mar 21, 2008 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: help! just left a job, need rollover advice
Replies: 3
Views: 730

help! just left a job, need rollover advice

Hi, I just left my job and have about 3k in my 401k. I am wondering what is the best move with regard to rolling over. Should I roll it over into my next company's 401k? If I do this, I assume I can keep the full 3k and not pay taxes on it and just roll it right into another 401k. I do not know the ...
by nafreed
Fri Mar 21, 2008 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: help! just left a job, need rollover advice
Replies: 3
Views: 730

Quick 401k rollover question

Somewhat familiar with the idea of a 401k rollover. If I currently have 15k in my 401k and I leave my job and want to roll over the whole 15k, can I dump it into a roth IRA despite the 5k contribution limits? How does it work if you do not want to roll over from one 401k to another? Sorry for the st...
by nafreed
Tue Feb 19, 2008 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick 401k rollover question
Replies: 1
Views: 654

phenominal post from a 25 year old kid. thanks for your wisdom.
by nafreed
Tue Feb 19, 2008 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: A generation of success at Vanguard
Replies: 16
Views: 3519

thought so. thanks for your prompt response!!
by nafreed
Mon Feb 18, 2008 3:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: might have just done something wrong.....sold a few shares
Replies: 2
Views: 845

might have just done something wrong.....sold a few shares

hi! about 2 hours ago, i opened a roth ira with vanguard. i have 3k from another source which is coming to me slowly, so expedite the process i figured why not borrow 3k from my vanguard money market fund to start the roth and then just reimburse my PMM when i get the other 3k. this basically means ...
by nafreed
Mon Feb 18, 2008 3:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: might have just done something wrong.....sold a few shares
Replies: 2
Views: 845

When you sell a fund....

Looking to unload D&C balanced that I have had since 2003. I bought the fund at 67.00, in December 2007 it was worth 81.00. However on Feb 8 it is worth 76.00. Is their any advantage to wait until the NAV moves back up and then to sell? Or is it in my favor to sell when the current price is clos...
by nafreed
Sun Feb 10, 2008 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: When you sell a fund....
Replies: 3
Views: 799

zook, thanks just what i was wondering.
by nafreed
Sun Feb 10, 2008 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 yr olds stale portfolio -- need wisdom!!!
Replies: 7
Views: 1610

Laura --

How many IRAs can a person have? For instance, I have a substantial amount of money in DODFX as a Roth, but can I just open another IRA with Vanguard, stop contributing to D&C while beginning to contribute to a Vanguard IRA?
by nafreed
Sun Feb 10, 2008 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 yr olds stale portfolio -- need wisdom!!!
Replies: 7
Views: 1610

Laura: What funds are available in your 401k plan? --I do not have branded fund options, just those broad asset fund classes. What are the expense ratios of these 401k options? --The expense ratios on the fund are very low, none exceed 0.50% Do you receive matching funds? --I do receive a company ma...
by nafreed
Sun Feb 10, 2008 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 yr olds stale portfolio -- need wisdom!!!
Replies: 7
Views: 1610

25 yr olds stale portfolio -- need wisdom!!!

AGE: 25 YEARS OLD, STABLE INCOME. HOLDINGS: TAXABLE: DODGE & COX BALANCED 10.11% VANGUARD PMM: 42.20% NON-TAXABLE: ROTH IRA: DODGE & COX INTERNATIONAL: 37.16% 401K: 10.52% (CONTRIBUTING 6% PER PAYCHECK) 34% EURO EQUITY 46% INTERNATIONAL EQUITY 18% US LARGE CAP 2% INTEREST INCOME Currently, m...
by nafreed
Sun Feb 10, 2008 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: 25 yr olds stale portfolio -- need wisdom!!!
Replies: 7
Views: 1610

can anyone recommend previous thread to figure out tax brckt

figured this would be better than raising the issue again.
by nafreed
Tue Feb 05, 2008 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: can anyone recommend previous thread to figure out tax brckt
Replies: 2
Views: 848

OTHER DETAILS:

I do have a sufficient emergency fund, and no credit card debt.
by nafreed
Thu Oct 04, 2007 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can anyone help me with this calculation?
Replies: 4
Views: 1165

Can anyone help me with this calculation?

Turned 25 years old 10/2/07 Its another pay off Federal Direct student loan vs. investing question. Background: Current Student Loan Balance: $18,404.91 Interest Rate: 5.375% (fixed) I chose the most flexible repayment plan: $113.65/month (30 year deadline I believe) In addition, I invest every mont...
by nafreed
Thu Oct 04, 2007 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can anyone help me with this calculation?
Replies: 4
Views: 1165

How to save for a downpayment on a house

I am 24 years old. I currently have a random balanced fund (DODGE & COX BALANCED) sitting out there with worth about 3k. I never envisioned using it as a vehicle for a downpayment on a house, nor have I contributed money to this fund for a few years. I automatically associated using this money w...
by nafreed
Sun Aug 19, 2007 5:29 am
 
Forum: Investing - Help with Personal Investments
Topic: How to save for a downpayment on a house
Replies: 10
Views: 2690

Selling a taxable fund for a Vanguard.....?

I currently own shares of Dodge and Cox balanced fund. From all that I have read and seen, it is a pretty good fund. But I think I can do better protecting myself from the dividends and capital gains that arise which comes with investing in a balanced fund. Because D&C Balanced is now closed, I ...
by nafreed
Thu Jul 12, 2007 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Selling a taxable fund for a Vanguard.....?
Replies: 1
Views: 876

Can you explain what you mean when you say:

I would recommend increasing your 401k contributions and using your taxable money to pay for your own living expenses so that you can "transfer" the taxable money into your 401k. You are not permitted to just transfer the money directly.
by nafreed
Sun Jul 08, 2007 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 y/o -- 401K: check, Roth IRA: check, Emerg. fund: check.
Replies: 10
Views: 2220

401k expense ratios are very low 0.10 - 0.20

Dodge and Cox expense ratios:

International: 0.66%

Balanced: 0.52%
by nafreed
Sun Jul 08, 2007 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 y/o -- 401K: check, Roth IRA: check, Emerg. fund: check.
Replies: 10
Views: 2220

taxable 14.71% dodge and cox balanced fund Roth 43% dodge and cox international stock fund 401k 2% mixture of international equity, euro equity fund and US large cap S&P 500 INDEX FUND Emergency 39% VANGUARD PRIME MM FUND Would I be better off selling my 1/2 of my stake in my taxable and contrib...
by nafreed
Sun Jul 08, 2007 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 y/o -- 401K: check, Roth IRA: check, Emerg. fund: check.
Replies: 10
Views: 2220

Laura-- you are awesome!!! FYI student loan debt is @ 5.35%
by nafreed
Sun Jul 08, 2007 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 y/o -- 401K: check, Roth IRA: check, Emerg. fund: check.
Replies: 10
Views: 2220

24 y/o -- 401K: check, Roth IRA: check, Emerg. fund: check.

Just want to say how great this forum is and I really appreciate everyone's contributions. I am extremely neurotic about my finances because I must achieve comfortability after witnessing my parents' drastic financial planning. Currently I am 24, and have: Emergency fund of approx 8k Roth IRA of app...
by nafreed
Sun Jul 08, 2007 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 24 y/o -- 401K: check, Roth IRA: check, Emerg. fund: check.
Replies: 10
Views: 2220

I really appreciate your replies. I was told by someone that by paying off the loan, I am guaranteed a return of 5.35%..........If I were to invest, i would have to earn a net return of greater than 5.35% in order to come out ahead, considering the way the market is right now, I was advised that it ...
by nafreed
Mon Jun 25, 2007 6:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans VS Keep Contributing
Replies: 16
Views: 4023

Student Loans VS Keep Contributing

Hi, I currently have about $18,000 in student loans at a rate of 5.35%. The job I have now allows me to earn quarterly bonuses which usually amount to a few grand per quarter. I am 24 and have begun saving aggressively for retirement for about 1.5 years now. I am very concerned about building a rock...
by nafreed
Mon Jun 25, 2007 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Student Loans VS Keep Contributing
Replies: 16
Views: 4023

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