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Re: Where do I put my cash now?

You are trying to figure out the best time to buy. It's just not possible. In the meantime, your money is sitting on the sidelines. Pick your asset allocation and buy it, no matter what the market is doing. If you can't follow that simple instruction, your asset allocation is not right for you. In 1...
by retiredjg
Wed Sep 17, 2014 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 16
Views: 1509

Re: Impulse Buy vs. Investment Strategy

Risk is not the only thing to consider. You will pay taxes on the earnings from Total Stock and Total Bond. Not saying that is a better choice or a worse choice. Just that risk is not the only thing to consider.
by retiredjg
Wed Sep 17, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Impulse Buy vs. Investment Strategy
Replies: 5
Views: 460

Re: SSA Resumes Mailing Social Security Statements

I didn't even have to wait 30 days. Seems like it was 1 day or thereabouts.
by retiredjg
Wed Sep 17, 2014 4:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: SSA Resumes Mailing Social Security Statements
Replies: 3
Views: 508

Re: Bogleheads guide to retirement planning pg 86 question

The book means if all things are equal (or at least close). An ER of 1% should definitely be avoided if you have better choices. And it appears you do have better choices.
by retiredjg
Wed Sep 17, 2014 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads guide to retirement planning pg 86 question
Replies: 2
Views: 335

Re: Roth help

Thank you all, you are most helpful. In answer to your question(s) the current TIRA is split into 4 different funds. The plan is to liquidate all of them (1 at a time). The other part that I believe you answered is that even my current American fund is loaded and there is no going around it. Your c...
by retiredjg
Wed Sep 17, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth help
Replies: 14
Views: 525

Re: FutureAdvisor suggested asset allocation

livesoft wrote:*OK, astute readers will realize that I have absolutely no way to substantiate that statement.

That was pretty funny. :happy
by retiredjg
Wed Sep 17, 2014 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: FutureAdvisor suggested asset allocation
Replies: 4
Views: 307

Re: FutureAdvisor suggested asset allocation

The suggested allocation is for someone who wants to tilt to small cap and to value. Since you are asking, my guess is that you have no idea what "tilting to small cap and value" means. Since it is not smart to invest blindly, you should not follow that suggestion, at least at this point. ...
by retiredjg
Wed Sep 17, 2014 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: FutureAdvisor suggested asset allocation
Replies: 4
Views: 307

Re: Help w/ Wife's Poor 401k Options

I don't know why you think she has poor 401k options. Looks pretty good to me. This type of question can't be answered adequately without seeing the big picture. There may not be any reason to use a 4th fund in that account. Or you might actually have to put a bond fund in there. Nobody can figure t...
by retiredjg
Wed Sep 17, 2014 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help w/ Wife's Poor 401k Options
Replies: 8
Views: 500

Re: Roth help

Converting a TIRA to Roth doesn't require buying new funds as the current assets can be transferred in kind. I wondered about this myself. But the poster does not say that the old IRA is in the American Fund they want to purchase in the Roth IRA. Doesn't say it isn't either. Based on what the advis...
by retiredjg
Wed Sep 17, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth help
Replies: 14
Views: 525

Re: Roth help

There are different issues brought up in your post. Should she convert to Roth IRA? Maybe, maybe not. If you are in a very low tax bracket, it might be a good plan. If not....more information is needed. Buying American Funds means that you pay a front end load, as mentioned by your advisor. This has...
by retiredjg
Wed Sep 17, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth help
Replies: 14
Views: 525

Re: Should I roll over my 58 year old mom's 401k?

The risk does exist. How much of a risk? Anyone's guess is as good as any other guess.

Some plans allow you to roll rollover money out at a later date. Check on that.

If this is a big worry for you, just go with the IRA at Vanguard so that you don't worry about doing the wrong thing.
by retiredjg
Tue Sep 16, 2014 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 794

Re: Should I roll over my 58 year old mom's 401k?

We don't know the expenses in the new 401k, but they are probably better than what you have chosen in the old 401k. The 500 index is good, but the others are not that good - certainly not good enough to stay in that old plan.
by retiredjg
Tue Sep 16, 2014 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 794

Re: Should I roll over my 58 year old mom's 401k?

Couldn't use the links. Are the Vanguard funds actually in her 401k or does she have to use a brokerage window to get them? That could result in extra fees. If there is a Spartan Extended Market Fund available, you could make total stock market by using about 80% 500 index and about 20% Extended Mar...
by retiredjg
Tue Sep 16, 2014 2:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 794

Re: Should I roll over my 58 year old mom's 401k?

One good reason to leave it in the old 401k is if she should ever need to use the back door approach to contribute to Roth IRA. Of course, the same thing could be accomplished by rolling the old 401k into the new 401k. If she will never need to do this, there is no reason not to roll the old 401k to...
by retiredjg
Tue Sep 16, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I roll over my 58 year old mom's 401k?
Replies: 19
Views: 794

Re: Should I step in to help my in law pay off credit card d

barnaclebob wrote:The problem is she was spending money to unintentionally selfishly keep a pet alive for another few months, its not responsible.

How could you possibly know that? The facts could be entirely different.
by retiredjg
Mon Sep 15, 2014 4:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I step in to help my in law pay off credit card debt
Replies: 31
Views: 2496

Re: Should I step in to help my in law pay off credit card d

It will take a long time and cost a lot of money to pay off CC debt using only minimum payments. It is also not good for you to pay her bills if this will just happen over an over. But yes, sometimes our brains do fall out when we have a pet, so if this is not going to be a reoccurring issue, maybe ...
by retiredjg
Mon Sep 15, 2014 3:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I step in to help my in law pay off credit card debt
Replies: 31
Views: 2496

Re: treating all investment accounts as one pool of money

I think my example just won't work unless you are adding money and keeping the stock to bond ratio near target through the years. But it does show you how you can "sell stocks" in taxable when the net result is actually to "sell bonds" in tax-advantaged without taking money out o...
by retiredjg
Mon Sep 15, 2014 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: treating all investment accounts as one pool of money
Replies: 26
Views: 2225

Re: Portfolio questions

Welcome to the forum. A few questions before going further. Debt: Car @ 3%APR,Credit Card 9% $5000 You need to pay this 9% debt before doing anything other than contribute enough to the 401k to get the match. There is a very good chance that your investments may not make 9% and it does not make sens...
by retiredjg
Mon Sep 15, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio questions
Replies: 8
Views: 683

Re: Opening Solo 401(k) and Closing SEP-IRA

Not what you asked, but I think you might reconsider converting the SEP IRA to Roth. The exception would be if the SEP is small or if you are still in a low tax bracket. If the SEP is large and/or if you are in a higher bracket, you might consider opening your Solo 401k at Fidelity and rolling the S...
by retiredjg
Mon Sep 15, 2014 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Opening Solo 401(k) and Closing SEP-IRA
Replies: 10
Views: 810

Re: treating all investment accounts as one pool of money

Your example is incorrect because you have not kept the 80/20 asset allocation you decided was correct. However, your questions do point to the potential issues with this method. 1) What IS the right asset allocation if I'm mixing goals? I think this question is difficult for a small portfolio and/o...
by retiredjg
Mon Sep 15, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: treating all investment accounts as one pool of money
Replies: 26
Views: 2225

Re: Personal Portfolio Help - (Roth IRA, 401k, Taxable Accou

Thanks for the update. Looks like you are doing fine. :happy

There is quite a bit of info in the Wiki about TIPS and I Bonds. Here's a start. http://www.bogleheads.org/wiki/I_Bonds_vs_TIPS
by retiredjg
Mon Sep 15, 2014 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Personal Portfolio Help - (Roth IRA, 401k, Taxable Accounts)
Replies: 7
Views: 1104

Re: DINK 200K household income - ways to reduce taxable inco

Using muni bonds when you have the opportunity to put stocks in taxable is not necessarily the best solution long term. If you "push" stocks into a 401k or IRA, the earnings from those stocks will be taxed at a higher rate than if the stocks were in a taxable account. Of course, if bonds m...
by retiredjg
Sun Sep 14, 2014 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: DINK 200K household income - ways to reduce taxable income?
Replies: 31
Views: 3432

Re: Reconstructing Vanguard's International Fund in 401k

I would not use the developed markets + emerging markets if I had the choice of using the Vanguard fund which contains small cap stocks and Canada. If I didn't have a way to get the Vanguard fund, I'd use it and be happy enough. This person has 2 places to put the Vanguard fund - taxable (getting th...
by retiredjg
Sun Sep 14, 2014 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Reconstructing Vanguard's International Fund in 401k
Replies: 12
Views: 683

Re: Glitchy Web-Browsing

I too am thinking it is a DNS thing. And your description of what happens sometimes is pretty accurate. I have not messed with it much today, and have not had a lot of trouble today. That is probably because I've not been using the websites that cause the most problems. Yesterday, I downloaded a new...
by retiredjg
Sun Sep 14, 2014 5:42 pm
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 905

Re: Strategies for rolling over to Roth IRA for Home purchas

doodlehead, we don't know enough about your situation to have much of an opinion, but you should probably be saving for your house in a taxable account, not your 401k. Your 401k is for retirement. And you probably should be using traditional 401k instead of Roth 401k - just a guess based on how much...
by retiredjg
Sun Sep 14, 2014 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Strategies for rolling over to Roth IRA for Home purchase
Replies: 9
Views: 672

Re: DINK 200K household income - ways to reduce taxable inco

This won't reduce your taxes, but would be an improvement over not putting money into Roth IRA. http://thefinancebuff.com/the-backdoor-roth-ira-a-complete-how-to.html This won't help much, but whatever you have in a taxable account needs to be "tax-efficient". You accomplish this by pickin...
by retiredjg
Sun Sep 14, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: DINK 200K household income - ways to reduce taxable income?
Replies: 31
Views: 3432

Re: Roth Conversion Caution

It is unfortunate you learned this lesson the hard way. But such is our financial education life - much of it is "the hard way".

Your issue is why we usually say to convert after retirement, but before taking SS.
by retiredjg
Sun Sep 14, 2014 2:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Caution
Replies: 9
Views: 1162

Re: Reconstructing Vanguard's International Fund in 401k

Yuck, This would overweight Large Cap relative to TSM and not contain ~1700 Small Cap stocks I know it would be a small effect, but I'd rather not go against the historical trend of growth coming from the smaller companies. If I have to be off somewhere, I'd rather be on in the smallest portion of ...
by retiredjg
Sun Sep 14, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Reconstructing Vanguard's International Fund in 401k
Replies: 12
Views: 683

Re: Share your Hot-Rod Portfolio

Works For Me

40% Total Stock Index
30% Total International Index
10% Small Cap Value Index
10% Small Cap International Index
10% REIT Index
by retiredjg
Sat Sep 13, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 52
Views: 3466

Re: Glitchy Web-Browsing

I think it is a modem/router all in one. It appeared to be new.
by retiredjg
Sat Sep 13, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 905

Re: treating all investment accounts as one pool of money

Am I missing something here or is my analysis correct? Yes, you are missing something. Here's an example. You start with this: Taxable $100k in stocks IRA $100k in stocks $200k in bonds Let's say you want $50k out of your bonds to buy a nice new car. Taxable $100k in stocks <--Sell $50k and buy the...
by retiredjg
Sat Sep 13, 2014 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: treating all investment accounts as one pool of money
Replies: 26
Views: 2225

Re: Glitchy Web-Browsing

Create a new OS X user account, log in to that, and see if you have the same problems there. This should tell us if the problem is something in your user settings or, as seems more likely, something to do with your new "internet source." I have a couple of user accounts. I tried them and ...
by retiredjg
Sat Sep 13, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 905

Re: Glitchy Web-Browsing

rkatz0 wrote:hehe, the Terminal command gets you in touch with your Inner Mac!

Yeah, I guess.

Now I'm really having trouble with the morningstar site! But that may be from resetting Safari. I'm so confused! But my computer seems to be faster....
by retiredjg
Sat Sep 13, 2014 1:31 pm
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 905

Re: treating all investment accounts as one pool of money

I always thought it was strange people do not count the cash of their emergency funds in their allocation, which is basically what you are asking about. Here's one reason - small portfolio. If your emergency fund is $20k and your portfolio is $50k, but you want your portfolio to be at 90/10....both...
by retiredjg
Sat Sep 13, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: treating all investment accounts as one pool of money
Replies: 26
Views: 2225

Re: Glitchy Web-Browsing

Thanks for the ideas. In answer to some questions: I don't have other computers or tablets. My smartphone seems Ok, but it is hard to tell - the morningstar site is really difficult on iPhone - hard to tell if it has the same problems. My only computer (the MacBook) didn't do this when I was using a...
by retiredjg
Sat Sep 13, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 905

Re: Glitchy Web-Browsing

Yes, I do need the basics because I know nothing. What you wrote made no sense to me, but I was making progress figuring it out using info similar to your last link. :happy I sense that we are headed in the right direction. Re: the link about resetting the DNS cache, it says to Use the following Ter...
by retiredjg
Sat Sep 13, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 905

Re: Glitchy Web-Browsing

Looks like a place to start. I have cleared the browsing history and things did change some. But it did not fix the problem. There does seem to be something going on that has to do with speed. And I have noticed this happens more when mail happens to be downloading. What I don't get is why simply cl...
by retiredjg
Sat Sep 13, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 905

Re: treating all investment accounts as one pool of money

I too believe that people are talking about retirement money when they say "consider all accounts as one portfolio". If money in a taxable account is for a shorter term goal, it does not make sense to consider it all one portfolio. An exception is the example livesoft posted the links for....
by retiredjg
Sat Sep 13, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: treating all investment accounts as one pool of money
Replies: 26
Views: 2225

Glitchy Web-Browsing

My browsing has turned into a bad dream. Sometimes a nightmare. Things were going sort of OK until I got a new internet source. Now I'm having frequent "can't find the server" episodes, particularly on things like the Morningstar site. And once I get "can't find the server" the f...
by retiredjg
Sat Sep 13, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 905

Re: Reconstructing Vanguard's International Fund in 401k

You can cobble together a reasonable international into the 401k, but why bother? You can put the more complete Vanguard Total International Index in either the taxable account or in IRA.

You say he wants 30% in bonds, but your bond allocation adds up to almost 50%. What is the real target?
by retiredjg
Sat Sep 13, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Reconstructing Vanguard's International Fund in 401k
Replies: 12
Views: 683

Re: I've been going all tax-deferred, considering to go taxa

I think you have it right. But before doing that, contact Vanguard and find out why they suggest SEP instead of Solo 401k at your income level. There could be something to learn there. I think meeting with such an advisor could be useful, even if you do the plan that you outlined. While there, find ...
by retiredjg
Sat Sep 13, 2014 9:45 am
 
Forum: Investing - Help with Personal Investments
Topic: I've been going all tax-deferred, considering to go taxable.
Replies: 37
Views: 3435

Re: I've been going all tax-deferred, considering to go taxa

Do I convert my entire SEP-IRA to roth and pay all the taxes? To do backdoor Roth? No. What would be the point of deferring taxes on all that money just to turn around and pay taxes at a high rate now? Back door Roth is a good thing but it is certainly not worth paying tax on a boatload of money no...
by retiredjg
Sat Sep 13, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: I've been going all tax-deferred, considering to go taxable.
Replies: 37
Views: 3435

Re: The Mega Backdoor Roth IRA

IRS publications 575, page 27 under heading Rollover of Non-taxable amounts says - "You may be able to roll over the nontaxable part of a distribution (such as your after-tax contributions) made to another qualified retirement plan that is a qualified employee plan or a 403(b) plan, or to a tr...
by retiredjg
Sat Sep 13, 2014 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 134
Views: 19731

Re: Needing help with a Vanguard 401k

I wonder if you have missed other comments because it seems you are not understanding what has been said. It isn't that Vanguard doesn't do 401k plans - they do. But her company is not using Vanguard - they are using some other company. Your wife does not have the option of moving her 401k plan to V...
by retiredjg
Fri Sep 12, 2014 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Needing help with a Vanguard 401k
Replies: 23
Views: 1344

Re: Home purchase negotiation: credit or reduced price?

So I guess that means your mortgage will be for less and you have to come up with the money for the repairs out of savings?

What did you decide to do?
by retiredjg
Thu Sep 11, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home purchase negotiation: credit or reduced price?
Replies: 17
Views: 1172

Re: Ultimate Buy and Hold - 8 slices vs 4

The mid caps are not left out. The are there. There are some mid caps in a large cap fund (or the total stock market if you use that instead) and some in a small cap fund. Look at the morningstar boxes. If you want a market weighted portfolio, you should be considering total markets, not this ultima...
by retiredjg
Wed Sep 10, 2014 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 624
Views: 213781

Re: Home purchase negotiation: credit or reduced price?

By "credit", I thought it was a credit for closing costs only. So I would pay the same price for the house but pay less out of pocket for closing. In contrast to a reduced home price where I would pay out of pocket for closing costs but have a lower home price and therefore lower mortgage...
by retiredjg
Wed Sep 10, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home purchase negotiation: credit or reduced price?
Replies: 17
Views: 1172

Re: Home purchase negotiation: credit or reduced price?

My understanding is the reducing the price also reduces the taxes, as those are based on sales price. Not to mention lower mo. payments going forward. Reducing the price may have an effect on the taxes. I can't see how it will lower your monthly payments - that would be the same as getting a credit...
by retiredjg
Wed Sep 10, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Home purchase negotiation: credit or reduced price?
Replies: 17
Views: 1172

Re: Home purchase negotiation: credit or reduced price?

I recently did this and used the "credit" option and it worked out OK. But everything says the house sold for the higher price when it really sold for something less than that. I can see this was not the best option. However, in my case it is pocket change. In your case the repairs will no...
by retiredjg
Wed Sep 10, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Home purchase negotiation: credit or reduced price?
Replies: 17
Views: 1172
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