Search found 70 matches

Return to advanced search

Re: How to use TD Ameritrade to keep AA?

livesoft wrote:You are probably asking the wrong person because I love ETFs.


Out of curiosity, what is a short version of why you love them? I am hoping I can learn to love them as well!

Thank you for your help!
by xiosen
Sun Jan 18, 2015 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to use TD Ameritrade to keep AA?
Replies: 5
Views: 409

Re: How to use TD Ameritrade to keep AA?

OTOH, when you get enough in the HSA, they might be useful for rebalancing. It takes a few years to get enough in the HSA though, so I recommend you sign up the ETF(s) you buy for the DRIP (dividend re-investing program). With re-investing and not creating cash turds, would I then need to sell sing...
by xiosen
Sun Jan 18, 2015 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to use TD Ameritrade to keep AA?
Replies: 5
Views: 409

How to use TD Ameritrade to keep AA?

Hello, I have a TD Ameritrade account for my HSA and Solo 401k. I am confused about how to purchase the funds to keep my Asset Allocation in balance. I had to use TD Amertrade because of lower fees with the HSA and Solo 401k. So I am trying to learn how to use it to purchase vanguard funds. Right no...
by xiosen
Sun Jan 18, 2015 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to use TD Ameritrade to keep AA?
Replies: 5
Views: 409

Re: Rebalance Advice [with pictures]

One other issue that I seem to have with this approach. Lets say early next year I need to add $5500 to the IRA. Without the international in there I can't stay in my asset allocation until later in the year. I also can't do it through the HSA contributions since that would only have the Stock Marke...
by xiosen
Fri Dec 26, 2014 9:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance Advice [with pictures]
Replies: 11
Views: 932

Re: Rebalance Advice [with pictures]

Laura wrote:taxable
$10.3k Total Stock Market
$21.9k Total Intl Stock Market


It looks like I would sell $10-11k from total stock and put it into international. Would the tax loss harvesting come into play now since you mentioned it was only in the taxable account? Or I may have to pay capital gains?
by xiosen
Fri Dec 26, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance Advice [with pictures]
Replies: 11
Views: 932

Re: Rebalance Advice [with pictures]

For the next several years you can work to simplify by shifting money in your roth. That will allow you to keep your 401k accounts to one fund each and you will reach Admiral Shares that much faster. You can also hold bonds in your traditional 401k account. I have not added any more to your interna...
by xiosen
Fri Dec 26, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance Advice [with pictures]
Replies: 11
Views: 932

Re: Rebalance Advice [with pictures]

I currently have: $32.2k taxable $32.8k roth IRA $6.5k HSA - savings account I plan to contribute: $6k 401k roth $6k 401k traditional $3.3k HSA + repurpose $1.5k from balance above to investments The new HSA contributions are to be invested, while the $5k ($6.5 - $1.5k) HSA saving account balance wi...
by xiosen
Fri Dec 26, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance Advice [with pictures]
Replies: 11
Views: 932

Re: Rebalance Advice [with pictures]

It appears that you are trying to build a portfolio inside of each account. You don't need to do that. Instead you want to blend all of your holdings together into one unified portfolio. It seems you have too many of the same funds. I have been reading https://www.bogleheads.org/wiki/Asset_allocati...
by xiosen
Fri Dec 26, 2014 7:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance Advice [with pictures]
Replies: 11
Views: 932

Rebalance Advice [with pictures]

I just started a solo 401k a week ago and I am rushing to get my contributions in for this year according to my asset allocation. I started to modify a spreadsheet from the wiki to help better track this. I have not factored in cash yet or the asset breakdown of the individual funds. Here is my curr...
by xiosen
Fri Dec 26, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance Advice [with pictures]
Replies: 11
Views: 932

Re: Tax Planning for S Corp & Personal Contributions

I like the following calculator. http://www.bankrate.com/calculators/tax-planning/1040-form-tax-calculator.aspx As an s-corp, you are not only responsible for quarterly estimates on what you took as distribution but also quarterly payroll forms and payroll taxes on what you took as salary so you mi...
by xiosen
Sun Dec 21, 2014 1:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Planning for S Corp & Personal Contributions
Replies: 5
Views: 572

Re: Tax Planning for S Corp & Personal Contributions

It is my understanding I have to have all personal contributions in by the end of the year. I am afraid I may over shoot or undershoot the contributions to where I will suddenly owe more to the IRS or get a big refund that I could have contributed to the 401k. Does anyone know if any spreadsheets, ...
by xiosen
Sat Dec 20, 2014 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Planning for S Corp & Personal Contributions
Replies: 5
Views: 572

Tax Planning for S Corp & Personal Contributions

I own an S Corp and just this year added a HSA and Roth / Traditional Solo 401k to my investment strategy. I am starting to become a bit overwhelmed on how to prepare and calculate how much I am going to be able to contribute. I track my expenses using Quickbooks and Quicken and I also have a CPA th...
by xiosen
Sat Dec 20, 2014 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Planning for S Corp & Personal Contributions
Replies: 5
Views: 572

Re: How to stick to Asset Allocation across Providers

If you're considering Vanguard Solo 401k, think about using a LifeStrategy (LS) or Target Retirement (TR) fund that is the closest match for your desired asset allocation. I think these have lower expense ratios than the 4 fund portfolio using investor share class. While the LS/TR funds each hold i...
by xiosen
Tue Dec 02, 2014 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to stick to Asset Allocation across Providers
Replies: 9
Views: 678

Re: How to stick to Asset Allocation across Providers

Right, but I guess I assumed that any given 100K would be split across the four funds - ie, VTSMX for 25,000 * .12% difference in ER = $30 diff for that fund, etc. Sorry, I was a math major, so always anal about that kind of stuff! Ah, ya good point. Another question for you, you said it would be w...
by xiosen
Tue Dec 02, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to stick to Asset Allocation across Providers
Replies: 9
Views: 678

Re: How to stick to Asset Allocation across Providers

I have a number of custodians so I use a spreadsheet to combine all the holdings into their various asset classes and don't find it difficult at all (also TDA has free VSS to augment your VEU). I have a spreadsheet I am working on to, so I am not as concerned so much with the complexity of it, but ...
by xiosen
Tue Dec 02, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to stick to Asset Allocation across Providers
Replies: 9
Views: 678

How to stick to Asset Allocation across Providers

Hello, I am in a sprint to get a solo 401k roth setup by the end of the year and I narrowed down the providers between Vanguard and TD Ameritrade. I already searched the forum at length about the pros and cons of each, but all the information I discovered pertains to the plan / provider details and ...
by xiosen
Tue Dec 02, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to stick to Asset Allocation across Providers
Replies: 9
Views: 678

Re: Solo 401k (roth?) asset allocation

Some other providers offer Roth and access to buy ETFs, including Vanguard ETFs. Since I had my other investments with Vanguard, I chose to just stick with it. Yeah I will likely pay a few more dollars per year, but I appreciate the convenience of one company. Is it possible to start with vanguard ...
by xiosen
Mon Dec 01, 2014 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k (roth?) asset allocation
Replies: 7
Views: 723

Re: Solo 401k (roth?) asset allocation

placeholder wrote:
ERISA Stone wrote:They also offer rollover contributions, which appears to be hard to find.

Correct and if the OP really wants to review options then there are several old threads on the subject that are worth looking up.


Thanks, I will do some more research.
by xiosen
Wed Nov 26, 2014 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k (roth?) asset allocation
Replies: 7
Views: 723

Solo 401k (roth?) asset allocation

Hello all, I am in the process of setting up a solo 401k for 2014 contributions (I am the only employee of my s-corp). I am struggling with a few of the concepts, mainly centering around the roth and asset allocations across accounts. Age: 28 Assets: ~60k invested Portfolio: Ferri core 4 (us, intl, ...
by xiosen
Tue Nov 25, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k (roth?) asset allocation
Replies: 7
Views: 723

Help with account restructure

I am planning to restructure to the three fund instead of core 4. I am also adding a new investment vehicle through my HSA account. I have only been investing for a little over 3 years total (age 28) so this is a fairly large pivot in a short time frame, but I don't feel as if I have found my desire...
by xiosen
Thu Jun 26, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with account restructure
Replies: 1
Views: 140

Re: Urge to buy a house every rent increase

You sound like someone who is better suited as a renter for now. You're thinking about settling down, but you'll probably need a bigger place when you have those kids. If you buy now, you'll need to buy a place that is bigger than you need, to accommodate future family changes. Either that, or you'...
by xiosen
Fri Apr 04, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Re: Urge to buy a house every rent increase

Don't underestimate the cost of maintenance if you buy a house. For a $150k house, the cost of a single major repair (e.g. $10k or more to replace the roof) is a substantial fraction of the price of the house, and avoiding this cost would pay for quite a few years of rent increases if you're able t...
by xiosen
Thu Apr 03, 2014 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Re: Urge to buy a house every rent increase

Xiosen, could you send a short letter in reply to the notice of rent increase? You could make a counteroffer of 4%, citing the discussion you had with an employee. Nothing to lose with that approach. I tried this at the first place and after several talks the most they would cave was $5 off which w...
by xiosen
Thu Apr 03, 2014 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Re: Urge to buy a house every rent increase

The rent vs buy calculators don't (at least I don't think they do) place a value on personal mobility (or financial liquidity, for that matter). You are 27. Rent unless you feel strongly compelled to own, and even then, think twice about it. I am in my 60s. I am happy to own my home, because we got...
by xiosen
Thu Apr 03, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Re: Urge to buy a house every rent increase

Buy a condo/townhouse and get the worst of both worlds. Have the HOA going up every year AND having the burden of ownership. I would not pursue a condo again. I learned my lesson there. However, most homes around here 70% or so all have an HOA ($20-$40/mo) to cover the community bike paths, common ...
by xiosen
Thu Apr 03, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Re: Urge to buy a house every rent increase

I don't like the thought of owning...Renting provides freedom for me to explore my business interests, home ownership could take away from that. You answered your own question. Don't over think it. I argued it both ways, but in that snippet it does seem clear. However renting for all its advantages...
by xiosen
Thu Apr 03, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Re: Urge to buy a house every rent increase

Buying versus renting is a lifestyle choice. I use to disagree with the notion that a home is a consumer item, but the more I look at it that way, the more I am convinced it is true. The question . . . can a consumer item also be an investment? In a perfect world, I don't believe one should count o...
by xiosen
Thu Apr 03, 2014 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Re: Urge to buy a house every rent increase

I am not entirely sure why you think I am "cranky"? Because having a mortgage application rejected put you "over the edge" caused you to go "backpacking in Canada for 4 months." That is not really a normal, adult response. Fair enough. It wasn't the fact that it was re...
by xiosen
Thu Apr 03, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Re: Urge to buy a house every rent increase

You seem kinda cranky. Perhaps step 1 is to figure out what your lifestyle is all about. Lots of people develop some stability in their employment and living situation. If so, then buying a house or condo can make sense. Plan to stay in it for at least five years for best results... I am not entire...
by xiosen
Thu Apr 03, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Re: Urge to buy a house every rent increase

I use to own a number of rental properties and I'm down to one. Nearly every year insurance and property taxes go up -- so if you own a home your expenses will go up -- even though your mortgage payment will stay the same. It depends on where you live, but I only went up on rent when I had too, bec...
by xiosen
Thu Apr 03, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Re: Urge to buy a house every rent increase

No good answer. You have to weigh the things you like vs the cost. In that way, it is no different than buying a car or having an expensive hobby. I rented in a downtown area; I could walk to everything, including great restaurants, but I was 35 minutes from my grandchildren. The building was sold,...
by xiosen
Thu Apr 03, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Re: Urge to buy a house every rent increase

You seem kinda cranky. Perhaps step 1 is to figure out what your lifestyle is all about. Lots of people develop some stability in their employment and living situation. If so, then buying a house or condo can make sense. Plan to stay in it for at least five years for best results... I am not entire...
by xiosen
Thu Apr 03, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Urge to buy a house every rent increase

First of all this kind of long. Please scroll to the tldr at the bottom if you want a short version. I currently live in an apartment and every year I get the dreaded rent increase. Every year this drives me mad because I struggle internally on what to do. This year the increase is 9% from 763 to 83...
by xiosen
Thu Apr 03, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Urge to buy a house every rent increase
Replies: 29
Views: 1742

Re: HSA Restructure

4) You have to decide for yourself how to treat the HSA funds. I divide mine into two tranches. One I keep in the default provider linked to a debit card, in a cash account, and I treat it as a kind of emergency fund. The other tranche I keep invested in Vanguard funds, and consider it part of my r...
by xiosen
Mon Mar 31, 2014 10:44 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA Restructure
Replies: 12
Views: 779

Re: HSA Restructure

4) You have to decide for yourself how to treat the HSA funds. I divide mine into two tranches. One I keep in the default provider linked to a debit card, in a cash account, and I treat it as a kind of emergency fund. The other tranche I keep invested in Vanguard funds, and consider it part of my r...
by xiosen
Sun Mar 30, 2014 12:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Restructure
Replies: 12
Views: 779

Re: HSA Restructure

1) Are your HSA contributions made through a pre-tax deduction from your paycheck? If so, many people here would recommend that you first max out the HSA and then max out the other retirement vehicles, not the other way around, unless you get a match on the retirement contributions. I am self emplo...
by xiosen
Fri Mar 28, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Restructure
Replies: 12
Views: 779

Re: HSA Restructure

Before we delve into the details of if it is considered part of AA or not, do you currently have a HSA eligible plan for 2013 and 2014? Is your health ins through an employer or your indiv family insurance? Please provide those details for prev years too. Based on that, you might still be eligible ...
by xiosen
Fri Mar 28, 2014 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Restructure
Replies: 12
Views: 779

HSA Restructure

I have had an HSA for about 4 years and I believe I am now starting to see the potential of it so I am trying to figure out the best way forward with it. I have not touched this account in past 2 years and only contributed during the first 2 when my employer added to it. The balance is now right aro...
by xiosen
Fri Mar 28, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA Restructure
Replies: 12
Views: 779

Re: Obamacare, increased health costs, disappearing 401k?

madbrain wrote:Is this a small or large company making these changes ?


I would say somewhere in between. They own quite a few companies but I don't believe they are large.
by xiosen
Wed Nov 06, 2013 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare, increased health costs, disappearing 401k?
Replies: 41
Views: 4210

Re: Obamacare, increased health costs, disappearing 401k?

Previous to 2014 we had a $250 deductible, no office co pay, $10 prescriptions, and 90% co-insurance. For 2014 we get $1250 deductible, 80% co-insurance, $45 office visits $25-$45 prescriptions and they are refusing to cover spouses if the spouse has other coverage available, all because of the &qu...
by xiosen
Tue Nov 05, 2013 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare, increased health costs, disappearing 401k?
Replies: 41
Views: 4210

Re: Obamacare, increased health costs, disappearing 401k?

I think the situation for individuals living in different places differs a lot. Some people have "basic" coverage now that really isn't very good -- but they're "covered," they think, until they're not. The new rules regarding things such as no exclusions for pre-existing condit...
by xiosen
Tue Nov 05, 2013 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare, increased health costs, disappearing 401k?
Replies: 41
Views: 4210

Obamacare, increased health costs, disappearing 401k?

Hello all, My GF just received a letter from her employer that sounds like they are essentially removing the 401k matching and using obamacare as a scapegoat. I am really concerned about these changes since she just started working for this company and has yet had a chance to contribute to the 401k....
by xiosen
Tue Nov 05, 2013 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare, increased health costs, disappearing 401k?
Replies: 41
Views: 4210

Re: How do I build wealth?

OP- What was line 38 on your 1040 last year? Try to make it bigger this year. That's how you get wealthy. It seems to me that most people trying to get ridiculously wealthy have salaries that are considered average at best. And people that are wealthy aren't necessarily trying. They're just doing s...
by xiosen
Fri Mar 22, 2013 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: How do I build wealth?
Replies: 87
Views: 7914

Re: How do I build wealth?

Thanks everyone for the amazing replies. This has been a very enlightening conversation. I'm struggling currently because I don't have any specific goals for my next path to wealth, which I always assumed would include starting a business of some kind. Alternately you could create something (music, ...
by xiosen
Fri Mar 22, 2013 1:03 pm
 
Forum: Investing - Theory, News & General
Topic: How do I build wealth?
Replies: 87
Views: 7914

Re: How do I build wealth?

Ultimately, this comes down to efficiently using your time and skills. Your time is valuable, and how you choose to spend it is up to you. If you're a web developer and think you can start a successful business, that will probably provide more value to the world and provide you with greater wealth ...
by xiosen
Thu Mar 21, 2013 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: How do I build wealth?
Replies: 87
Views: 7914

Re: How do I build wealth?

Ultimately, this comes down to efficiently using your time and skills. Your time is valuable, and how you choose to spend it is up to you. If you're a web developer and think you can start a successful business, that will probably provide more value to the world and provide you with greater wealth ...
by xiosen
Thu Mar 21, 2013 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: How do I build wealth?
Replies: 87
Views: 7914

Re: How do I build wealth?

To build wealth you need to get some money. How much? The more the better. :moneybag Figure that part out first. This is most important. Then once you have all that money, invest it wisely so that you don't lose it and it makes a fair return in excess of inflation Easy. Im already making some money...
by xiosen
Thu Mar 21, 2013 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: How do I build wealth?
Replies: 87
Views: 7914

Re: How do I build wealth?

I think the most straightforward way to build wealth is to earn a ton of money, either through a high-paying job or starting your own business, and investing most of that income in a moderately-aggressive low-cost portfolio a la Boglehead recommendations. In my mind, owning rental real estate falls...
by xiosen
Thu Mar 21, 2013 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: How do I build wealth?
Replies: 87
Views: 7914

Re: How do I build wealth?

It seems to me you are asking about multiplying the value of your assets, time, money, creativity, connections, etc. You want to get a high multiplier, which will be required to get to the $50,000,000 range. It seems to me the best way to get that kind of multiplication is to create something that ...
by xiosen
Thu Mar 21, 2013 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: How do I build wealth?
Replies: 87
Views: 7914

Re: How do I build wealth?

I guess it all depends on what you mean by "real wealth". If you want to end up with $2 million you should do very different things than if you want to end up with $50 million. I suppose in this discussion, real wealth would be the 50 million or highest possible. Assuming that I also cont...
by xiosen
Thu Mar 21, 2013 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: How do I build wealth?
Replies: 87
Views: 7914
Next

Return to advanced search