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Re: The Mega Backdoor Roth IRA

Yes, it works. I did the full amount last year. You do not roll it to an IRA then convert to a Roth, you simply send it straight to a Roth. I did mine between my Wells Fargo 401K and Vanguard Roth. I called both and they said "yep, we do it all the time." It was painless. Did you do this ...
by zaboomafoozarg
Tue Apr 15, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 21
Views: 2392

Re: The Mega Backdoor Roth IRA

Well shoot, this got me looking at my 401k at TRP. It says that I can contribute up to 10% of my pay in "nondeductible employee contributions". Could this be a possible Roth IRA backdoor? I must request information from HR to find out.
by zaboomafoozarg
Tue Apr 15, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Mega Backdoor Roth IRA
Replies: 21
Views: 2392

Re: Lost $10K in my investments past few months

Stoney178 wrote:well since biotech dropped so much maybe its a good time to buy more


Do what your investment plan specifies.

If you don't have a plan, do some reading and create a plan.
by zaboomafoozarg
Tue Apr 15, 2014 12:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4103

Re: Stock markets in free fall?

tainted-meat wrote:@sscritic - my point is that I don't think bonds are good for anyone <40 yrs old. To each their own :beer


What about someone who's shooting for financial independence at the age of 45?
by zaboomafoozarg
Sat Apr 12, 2014 11:27 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6447

Re: Stock markets in free fall?

nisiprius wrote:Maybe we need one like this:

Image


Or perhaps this one:

Image
by zaboomafoozarg
Sat Apr 12, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6447

Re: Stock markets in free fall?

Can't speak for others, but being 37 yrs. old I hope the market is down for the next 20 yrs. That might stink for your parents though (along with everyone else set to retire). I know if the market is down for 20 years, I'll almost certainly have to provide some monetary support. So I wouldn't mind ...
by zaboomafoozarg
Sat Apr 12, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6447

Re: Stock markets in free fall?

Bonds are still a waste of time for young investors (<40yrs) who plan on retiring at 55 or later, even if the market drops another 30-40%. The market has risen well over that in the last few years and bonds would have been a major drag on returns. 30 years old, 25% bonds, /shrug Though I am looking...
by zaboomafoozarg
Sat Apr 12, 2014 12:42 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6447

Re: Stock markets in free fall?

selftalk wrote:This is a great time to rebalance into gold, silver and copper.


I rebalanced some of my nickel holdings into tantalum today, as dictated by my IPS.
by zaboomafoozarg
Fri Apr 11, 2014 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6447

Re: Have you upgraded your Vanguard accounts?

runner9 wrote:I called a couple of months ago when I wanted to sell $10K in an ETF and not wait three days. She said I'd be waiting a long time for an upgrade to skip the wait.


Interesting. Maybe they have some overhead associated with the conversions that is causing them to roll it out slowly.
by zaboomafoozarg
Fri Apr 11, 2014 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you upgraded your Vanguard accounts?
Replies: 10
Views: 1548

Re: Have you upgraded your Vanguard accounts?

sscritic wrote:I tried the google search box and entered upgrade vanguard account. I got results. You will too if you are willing to try.


I saw the link somewhere else, but alas, I am not one of the lucky ones chosen yet to do an account merge.
by zaboomafoozarg
Fri Apr 11, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have you upgraded your Vanguard accounts?
Replies: 10
Views: 1548

Re: Have you upgraded your Vanguard accounts?

Interesting, I'm going to give it a try and see what happens.

EDIT: Ah, I get the message that it can't be upgraded. I found the link elsewhere, so I guess I have to wait to get the email before I can do it.
by zaboomafoozarg
Fri Apr 11, 2014 11:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Have you upgraded your Vanguard accounts?
Replies: 10
Views: 1548

Have you upgraded your Vanguard accounts?

Vanguard is offering the ability to upgrade your accounts to the new format. https://investor.vanguard.com/info/account-upgrade Instead of a separate account for mutual funds and brokerage, the upgrade consolidates both of them into the brokerage account. This supposedly also reduces the number of s...
by zaboomafoozarg
Fri Apr 11, 2014 10:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Have you upgraded your Vanguard accounts?
Replies: 10
Views: 1548

Re: Anyone ever buy Masters tickets in Augusta?

For anyone reading this in the future: I ended up buying a Tuesday ticket once I saw the weather was going to be decent, and it was a fantastic experience. It took me almost 10 years to be willing to pay the steep price for a practice round ticket (about $300 nowadays for a Tuesday ticket), but it w...
by zaboomafoozarg
Thu Apr 10, 2014 1:29 am
 
Forum: Personal Consumer Issues
Topic: Anyone ever buy Masters tickets in Augusta?
Replies: 17
Views: 1468

Re: How are you preparing for the coming bear market

Bear spray, don't leave home without it.
by zaboomafoozarg
Sat Apr 05, 2014 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7747

Re: I accidentally discovered a coworkers salary... now what

Dutch wrote:Do not tell her anything.

Do ask for a raise.


+1

Within the company, I would act as if I had never seen it.

Outside of the company, I'd probably test the waters and see about getting that kind of money elsewhere.
by zaboomafoozarg
Sat Apr 05, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: I accidentally discovered a coworkers salary... now what?
Replies: 59
Views: 5406

Re: Any Bogleheads here into real estate investing?(renting

I always thought direct rental real estate investing sounds too much like work, even with a management firm, so I just stick to buying REIT indices. I'd prefer to keep the working to a minimum, thank you very much!
by zaboomafoozarg
Fri Apr 04, 2014 10:15 am
 
Forum: Investing - Theory, News & General
Topic: Any Bogleheads here into real estate investing?(renting out)
Replies: 53
Views: 3634

Re: Thought experiment: a "diversification" joke

This doesn't seem much different than Rick Ferri's recommendation to split your international allocation into equal parts Europe and Pacific.
by zaboomafoozarg
Thu Apr 03, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Thought experiment: a "diversification" joke
Replies: 8
Views: 1022

Re: Death of co-worker

jp3051 wrote:I am kind of surprised that you haven't been blocked or deleted. That kind of talk is blasphemy around here. I do agree with you your post 100% though.


You probably wouldn't be fond of early-retirement.org then.
by zaboomafoozarg
Wed Apr 02, 2014 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9226

Re: Death of co-worker

jackpullo997 wrote:Living on Ramen noodles for 40 years only to die a few months after retirement is a lot more common than you think.


Odd, I don't know anyone who's ever done that.
by zaboomafoozarg
Tue Apr 01, 2014 8:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Death of co-worker
Replies: 94
Views: 9226

Re: Warning: Stocks Will Collapse by 50% in 2014

EmergDoc wrote:I want a hover board.


Be careful, they don't work on water (unless you've got power).
by zaboomafoozarg
Mon Mar 31, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Warning: Stocks Will Collapse by 50% in 2014
Replies: 21
Views: 2795

Re: Moving to HCOL (Net Income Paycut)? [High Cost of Living

Anyone else have input or insight from one of their experiences? Oh, I just noticed you're from a small town in Ohio - same here! (well actually a few miles from a small town) Have you been out to San Jose or a similar city for any length of time? If so and it seemed enjoyable, then it might be goo...
by zaboomafoozarg
Sun Mar 30, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving to HCOL (Net Income Paycut)? [High Cost of Living]
Replies: 14
Views: 1047

Re: Poll: how did you decide on stock/bond allocation?

Age in bonds - 5. Plus I am shooting for early retirement, so I invest a little older than I really am. (I also feel older than I really am).
by zaboomafoozarg
Sun Mar 30, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: how did you decide on stock/bond allocation?
Replies: 35
Views: 1839

Re: Moving to HCOL (Net Income Paycut)? [High Cost of Living

I would never move to a HCOL area, because I can make 70% of the salary in the midwest but pay 10-20% for housing and 50-70% for everything else.
by zaboomafoozarg
Sun Mar 30, 2014 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving to HCOL (Net Income Paycut)? [High Cost of Living]
Replies: 14
Views: 1047

Re: Anyone ever buy Masters tickets in Augusta?

Eh, it's looking like it might be rainy next week. :( I think it's too risky to buy tickets now... if I do decide to go, I'll just have to see if I can pick them up in Augusta.
by zaboomafoozarg
Sat Mar 29, 2014 12:36 pm
 
Forum: Personal Consumer Issues
Topic: Anyone ever buy Masters tickets in Augusta?
Replies: 17
Views: 1468

Re: Wealthfront.com? What is your take???

TX_TURTLE wrote:How is this different from a wash sale?


Because the security is not substantially identical.
by zaboomafoozarg
Thu Mar 27, 2014 10:25 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront.com? What is your take???
Replies: 12
Views: 1231

Re: Wealthfront.com? What is your take???

What I think about wealthfront http://lookingforawesomeness.tumblr.com/post/80885585933/wealthfront-review Whats makes them different from betterment , Vanguard ….. In three words !!!! TAX LOSS HARVESTING Why would I need someone to tax loss harvest for me? It's easy enough just to do it myself (al...
by zaboomafoozarg
Thu Mar 27, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront.com? What is your take???
Replies: 12
Views: 1231

Re: Perils of Market Timing

Leeraar wrote:Reminds me of the old joke.

Everyone should buy this fund. I mean, what are the chances of owning two funds that are this bad?

L.


Hey, it IS due for a return to the mean! :D
by zaboomafoozarg
Wed Mar 26, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Perils of Market Timing
Replies: 12
Views: 1453

Re: Post your IPS [Investment Policy Statement]

Goal: saving for financial independence at 50 with income of $40000 in real dollars, and maintaining $50000 cash or safe investment for emergency fund & possible house down payment Total AA: 105 - age in stocks with a maximum of 75%. Rest in bonds. Stock AA: 2/3 Domestic, 1/3 International. 70%...
by zaboomafoozarg
Wed Mar 26, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Post your IPS [Investment Policy Statement]
Replies: 14
Views: 1869

Re: Savers remorse ?

MrManlyMister wrote:I got 99 problems, but saving ain't one. :happy


I feel bad for you, son.
by zaboomafoozarg
Sun Mar 23, 2014 10:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 11157

Re: An improvement on the Fama French model

nedsaid wrote:But these premiums in my opinion have their foundations in human nature. Wall Street analysts do not focus on the smaller and less popular companies. They spend their time on the Apples, Pfizer's, and GE's of the world.


Don't forget the TSLA!
by zaboomafoozarg
Sat Mar 22, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: An improvement on the Fama French model
Replies: 47
Views: 2969

Re: An improvement on the Fama French model

I hold the DFA targeted value fund (DFFVX), an actively managed mid/small cap value fund, in my 401k. I suspected that DFA might have started using other factors besides value, and sure enough they have according to M* : In order to further enhance performance, DFA recently started to incorporate pr...
by zaboomafoozarg
Sat Mar 22, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: An improvement on the Fama French model
Replies: 47
Views: 2969

Re: How did you decide how much to save?

Yeah, in hindsight that was a pretty insane statement. Hanging around on this board really does skew your perspective of what "normal" saving is... Sometimes if I read too much here, I feel like a failure for only being in the 25% tax bracket and saving $30k per year :( So then I go read ...
by zaboomafoozarg
Sat Mar 22, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9145

Re: How did you decide how much to save?

I try to save till it hurts a little. I let myself do a few special fun things per year, but other than that I'm saving as much as I can and mostly just spending for necessities. Luckily the things I like to do often are pretty cheap. After tax, I save about 50% in a normal year, more in a bonus year.
by zaboomafoozarg
Thu Mar 13, 2014 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: How did you decide how much to save?
Replies: 119
Views: 9145

Re: I don't want to upgrade XP just yet, is that ok?

Confused wrote:@nisiprius,

That chart is weird. Why does it break Windows 8 and Windows 8.1 into separate charts, but doesn't break Windows XP into its three different service packs? Very strange.


Maybe because Windows XP is ancient history? :)
by zaboomafoozarg
Thu Mar 13, 2014 11:29 pm
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6288

Re: Cannot invest with only $5500 in ROTH?

jxs705 wrote:I don't want to open a vanguard brokerage account, so ETF is not an option.


Why not? It's super simple.

I agree that a single mutual fund would probably work just fine though.
by zaboomafoozarg
Wed Mar 12, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cannot invest with only $5500 in ROTH?
Replies: 9
Views: 776

Re: Are 20 somethings handicapped bc of inflation and little

I think many people forget the standard of living has changed enormously. That "living wage" bought one car, one (maybe) TV set with no cable, no cell phones, no computers, eating out rarely, 1 annual family vacation that consisted of a road trip/camping. While there is nothing wrong with...
by zaboomafoozarg
Wed Mar 12, 2014 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10257

Re: No, They're Not!

I'm getting really sick of sitting in programming classes for hours and then going home and programming for hours. Can't take it for that long. You'd better get used to it, you'll have to do it at least 8 hours a day some days :) My record is 30 hours straight, due to a stupid employer that insiste...
by zaboomafoozarg
Wed Mar 12, 2014 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10257

Re: No, They're Not!

$1,000,000 is not an attainable number. $1,000,000 is not attainable? Why not? (Or was this a joke?) No, this is Confused. Half the posts will be a lament about making almost no money, and the other half will be a commentary on the ridiculousness of people saving or spending a lot of money. (and al...
by zaboomafoozarg
Wed Mar 12, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10257

Re: What If Long-Term Thinking Really Catches On?

ERMD wrote:i also withdraw my indignation last week when i posted this exact same question and was rebuffed that it comes up all the time.


Just think, you're now qualified to perform said rebuffing :)
by zaboomafoozarg
Wed Mar 12, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: What If Long-Term Thinking Really Catches On?
Replies: 21
Views: 2021

Re: Do you have a side job?

Every once in a while I'm eligible for paid OT at my work (at 1.5x my hourly rate). Considering I generally enjoy my work, this is pretty easy for me to get some additional money. I would love to be eligible for OT - I worked all afternoon Sunday for free :( Though I guess (hope?) that such work fa...
by zaboomafoozarg
Tue Mar 11, 2014 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a side job?
Replies: 58
Views: 4758

Re: Are 20 something's [handicapped] bc of inflation and [li

HomerJ wrote:Have to get promotions or switch companies... All my big raises came from switching companies every 5 years or so.


Very true - after 6 years I think I am pretty close to hitting the limit at my current company. It's hard because they have a pension though, so that has to be factored in.
by zaboomafoozarg
Tue Mar 11, 2014 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 10257

Re: Used $35k Porsche on $64k income?

jackpullo997 wrote:I read this elsewhere, and wonder what do BH's say to this guy?


#AskingForAFriend :D
by zaboomafoozarg
Mon Mar 10, 2014 11:25 pm
 
Forum: Personal Consumer Issues
Topic: Used $35k Porsche on $64k income?
Replies: 95
Views: 6382

Re: How do I stop worrying about money?

StarbuxInvestor wrote:My wife has pointed out several times you were more relaxed when we had less saved.


That's so true. Sometimes I wish I could go back a few years when I had 1/5 the money but felt 5 times better. It might be unrelated though, work has been stressful for a long time now.
by zaboomafoozarg
Mon Mar 10, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I stop worrying about money?
Replies: 66
Views: 5568

Re: Do you have a side job?

I write blogs and monetize them by adding affiliate links. I also create youtube videos and put links there as well. It's not a lot but it is great passive income. Enough to pay for my car lease :) Very nice. Mind if I ask what type of Youtube videos you post? I've uploaded some before which get li...
by zaboomafoozarg
Mon Mar 10, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a side job?
Replies: 58
Views: 4758

Re: Happy fifth birthday! [since the 2008-2009 market crash]

LAlearning wrote:Who had a negative return?!


I was gonna say probably somebody who's 100% in gold, but even gold is up 40% total over the past 5 years.
by zaboomafoozarg
Sun Mar 09, 2014 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Happy fifth birthday! [since the 2008-2009 market crash]
Replies: 54
Views: 3339

Re: Poll: Are you going to retire? And if so, when?

Your categories 50-60 and 60-70 overlap. If someone expects to retire at age 60, which category are they in? This is a common error in polls on this discussion board, despite the fact that Bogleheads are quite numerate. 50-59, 60-69, 70 or over would be better. I always assume this means [A, B) and...
by zaboomafoozarg
Sun Mar 09, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Are you going to retire? And if so, when?
Replies: 38
Views: 2975

Re: Poll: Are you going to retire? And if so, when?

If all goes as planned and returns are semi-decent in the next 15-20 years, I will reach FI at 45-50. That might not be the point of total retirement, but I'd like to at least have some time off to breathe for a while, and do things I want to do before I get too old to do them. Then I'll decide what...
by zaboomafoozarg
Sun Mar 09, 2014 6:03 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Are you going to retire? And if so, when?
Replies: 38
Views: 2975

Re: Do you have a side job?

It depends on what you do as a main career. Are you trying to get out of debt and want a part time side job to payoff loans? Are you wanting to start a side business? Do you simply want to increase your income for investing purposes? Build a nest egg for a home purchase? More details and what type ...
by zaboomafoozarg
Sat Mar 08, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a side job?
Replies: 58
Views: 4758

Re: On shaving expenses

cheese_breath wrote:Shaving expenses? I thought this was going to be about Burma Shave. :P


The difference between Admiral

And Institutional shares

Is so infinitesimal

That it's like splitting hairs.

Vanguard Funds.
by zaboomafoozarg
Sat Mar 08, 2014 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: On institutional versus admiral shares
Replies: 15
Views: 1180

Do you have a side job?

I have been thinking about finding a way to earn some side income and wondered how common it is here. My job usually only requires 40 hours a week and I don't have much else going on in life besides work, so I often have several hours available on weekdays and full weekend days available. I just fee...
by zaboomafoozarg
Sat Mar 08, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a side job?
Replies: 58
Views: 4758
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