Search found 635 matches

by Alto Astral
Thu Apr 27, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 4097

Re: Is $20K I-Bonds considered cash or bond?

Looks like opinion is divided although most have cast their vote one way rather than the other. Me, I look to what you want to do with the answer. In your asset allocation calculations, you appear to have only two splits - a 70% and a 30%. If that is strictly stocks vs bonds, where does cash fall i...
by Alto Astral
Tue Apr 25, 2017 4:26 pm
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 4097

Re: Is $20K I-Bonds considered cash or bond?

I don't view my portfolio as equities/bonds. I view it as equities/fixed income, where fixed income includes anything that provides interest on a regular basis (bond funds, CDs, individual bonds). Where would you classify High Yield bonds? I think you are on the right track, but for me the divide h...
by Alto Astral
Tue Apr 25, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 4097

Re: Is $20K I-Bonds considered cash or bond?

I am planning to buy $20K in I-bonds in each of His+Her accounts either before/in May. Just to clarify - did you mean to say that you plan to buy $10k in each account? As you know, the annual purchase limit per person/entity is $10k. So, you can buy $10k for yourself, $10k for your wife, $10k for y...
by Alto Astral
Sun Apr 23, 2017 10:43 pm
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 4097

Re: Is $20K I-Bonds considered cash or bond?

I don't know how people come up with their own definition of cash. My post was not really about the technicalities or definition. Rather my goal was a simply to find if I am maintaining my AA. In the context of AA, I've seen folks list their assets as stocks, bonds, cash. The cash portion is usuall...
by Alto Astral
Sun Apr 23, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 4097

Re: Is $20K I-Bonds considered cash or bond?

In questions like this there is no "is considered" but anyone can certainly themselves consider I bonds to be either depending on what the distinction means to you. Most often in the context of a forum like this the issue would be whether or not the asset is marketable and has a fluctuati...
by Alto Astral
Sun Apr 23, 2017 1:32 pm
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 4097

Re: Is $20K I-Bonds considered cash or bond?

I consider a bond a bond whether it is corporate, government or municipal, and consider cash as cash in the bank. If your target AA is 70/30 than the iBonds are part of your 30% bonds in my opinion. Ok, thanks. I saw a few ibonds vs cd posts. Based on that I wasn't sure if it was in the cash or bom...
by Alto Astral
Sun Apr 23, 2017 10:41 am
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 4097

Is $20K I-Bonds considered cash or bond?

Him: Age=37, Income=130K Her: Age=32, Income=100K Desired AA: 70/30 Emergency Funds - 12 months (@ $5K/ month living expense) $50K (1,2,3,4,5 year CD Ladder of $10K each at CapitalOne ranging 1.3%-2.3%) $10K Regular Checking accounts (negligible interest) Investments 9% Cash: $40K (Checking Accounts...
by Alto Astral
Fri Apr 21, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Differential aggressiveness for ROTH vs 401K
Replies: 31
Views: 2328

Re: Differential aggressiveness for ROTH vs 401K

I do. I have vanguard total bond index in our ROTHs. The hope is that thw value will be somewhat stable if i need to withdraw any contributions. Needed to do it once before. I was using the ROTH as emergency fund and kept it all in prime money market.
by Alto Astral
Thu Apr 13, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: 20yr fixed, 30yr fixed, or 7/1 ARM
Replies: 48
Views: 3142

Re: 20yr fixed, 30yr fixed, or 7/1 ARM

I my case I needed to pick between 15 and 30 year. I picked 30 and started making payments towards principal. That way if all went well, I would have paid it off in 15 years. The flexibility helped since I decided to py the minimum and instead shore up via investmens so I have more options with kids...
by Alto Astral
Mon Apr 03, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Transfers from one money market account to another
Replies: 7
Views: 433

Re: Transfers from one money market account to another

Yes that sounds right. I picked "Buy/Sell" since I wanted the Federal funds to buy stock index. Why don't you try with a smaller amount first. Bwsides you will have a second page to "Review" and it goes through only when you click "Submit"
by Alto Astral
Mon Apr 03, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement vs Total Stock Market
Replies: 13
Views: 1936

Re: Vanguard Target Retirement vs Total Stock Market

If your question is handling total stock+bond yourself, then yes. It will likely give you fine grained control over you asset allocation. The expense ratio should be lower too.
by Alto Astral
Sat Apr 01, 2017 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Thoughts on 401k Options
Replies: 4
Views: 236

Re: Requesting Thoughts on 401k Options

I would just stick to
BNY Mellon Broad Market Stock Index Fund 0.04%

You can have bonds in RothIRA, spouse's 401k etc
by Alto Astral
Fri Mar 31, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Feel Behind -- Thoughts on my Strategy?
Replies: 17
Views: 1640

Re: Feel Behind -- Thoughts on my Strategy?

Why are you not maxing out your 401k ank keeping it at $4k? Is it just enough for company match? opting to put $11k in 401k vs roth ira will also reduce your taxable income.
by Alto Astral
Thu Mar 30, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Need a Vine for a Masonry Wall
Replies: 21
Views: 1199

Re: Need a Vine for a Masonry Wall

Espalier Fruit tree ? https://en.wikipedia.org/wiki/Espalier Not vine but could not resist mentioning
by Alto Astral
Thu Mar 30, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Age 40 - Financial Analysis Wanted
Replies: 42
Views: 5077

Re: Age 40 - Financial Analysis Wanted

mortfree wrote:If you are a purist BH, stop reading now
Investments:
Taxable - Apple (2007), Google (2008), IBM, Berkshire Hathaway, Sirius Satellite, S&P 500 SPY
Roth - Apple, Berkshire, Caterpillar, Exxon, Ford, United Healthcare, VYM, VTI, VWINX

Come back, prodigal son :)
by Alto Astral
Thu Mar 30, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: This is my first time and need a little help
Replies: 7
Views: 672

Re: This is my first time and need a little help

VFX (extended market) should include small+mid cap. I stick only to total stock index (VTI)
by Alto Astral
Thu Mar 30, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Quandary of ML Stock Picker vs. VTSMX or VFINX
Replies: 16
Views: 927

Re: Quandary of ML Stock Picker vs. VTSMX or VFINX

Right now, I'm going thru the quandary of keeping my ML stock picker and his 1% service charge who has averaged about 11.5% return from March 31, 2016 thru today. Welcome! I am glad you stumbled here. You've just saved yourself 1% fee + a lot of heartache in a bear market. I started off with "...
by Alto Astral
Thu Mar 30, 2017 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Age 40 - Financial Analysis Wanted
Replies: 42
Views: 5077

Re: Age 40 - Financial Analysis Wanted

$457K investments &cash + $230K paid-off home seem awesome. Given the home cost, it appears you are not in a HCOL area. Wife's expense at $20K seems on the higher side relative to her income. Otherwise you are doing great!
by Alto Astral
Thu Mar 30, 2017 8:01 pm
Forum: Personal Consumer Issues
Topic: Radon mitigation credit at closing
Replies: 16
Views: 1225

Re: Radon mitigation credit at closing

Personally I would feel much better if they could fix before the closing, or am I overthinking about it? what do you all suggest? In IL, $1500 is a usual credit. Since you made the offer, I am guessing you like this house. Like someone mentioned, the sale may fall through. You may continue looking ...
by Alto Astral
Thu Mar 30, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Back door Roth IRA for past year
Replies: 8
Views: 416

Re: Back door Roth IRA for past year

This site has how to report on your tIRA contributions using various tax software: https://thefinancebuff.com/the-backdoor-roth-ira-a-complete-how-to.html I contributed $11K last month to each of mine and wife's accounts. Tax software generated one page of 8086 for each of us. In your case, it would...
by Alto Astral
Wed Mar 29, 2017 9:29 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 3400

Re: Do I need new tires?

I changed my 10+ year Accord tires after 5 years in IL. They seemed chipping a bit; natural wear. Got small kids; did not want to risk.
by Alto Astral
Wed Mar 29, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help for a beginner opening a ROTH at Vanguard
Replies: 16
Views: 1036

Re: Help for a beginner opening a ROTH at Vanguard

If you have a 401k, consider that and your Roth IRA together. Both should account for your desired asset allocation. A conservative asset allocation would be 70% stock and 30% bonds across all your accounts (excluding emergency funds). If you have mostly stocks in your 401k then you can have bonds i...
by Alto Astral
Wed Mar 29, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Help selling foreign stock
Replies: 5
Views: 425

Re: Help selling foreign stock

Its listed on NYSE. Yes, I believe there were some dividends.
by Alto Astral
Tue Mar 28, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Where can I buy Vanguard Funds w/o Fees ?
Replies: 37
Views: 2961

Re: Where can I buy Vanguard Funds w/o Fees ?

No issues with Vanguard customer service. Both wife and I have accounts. Both have taxable, ira and roth accounts
by Alto Astral
Tue Mar 28, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Not opting for 529... anyone else?
Replies: 175
Views: 9927

Re: Not opting for 529... anyone else?

Nope. Building up reserves in case of long term un/underemployment
by Alto Astral
Tue Mar 28, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Job change - ESPP Hold Period Requirement
Replies: 6
Views: 427

Re: Job change - ESPP Hold Period Requirement

I had ESPP at a prior employer. I think they bought twice a year and we could sell immediately (or in 6 months, I forget). It was a while back so I dont remember details. However, it was a sweet discount. I would do it again even if I needed to hold it a year. There's the obvious risk but its capped...
by Alto Astral
Tue Mar 28, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Should I open a Taxable Account?
Replies: 7
Views: 862

Re: Should I open a Taxable Account?

Thank you for the responses. I will consider upping my TSP contribution. Should I go more conservative since I am mostly all stock in other investments? Being the VTMFX? Yes, go conservative to something like 70/30 AA. You can keep bonds in roth if you would like. Max out TSP. It saves for retireme...
by Alto Astral
Tue Mar 28, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help selling foreign stock
Replies: 5
Views: 425

Help selling foreign stock

Tax: Married-Filing-Jointly, 28% Bracket Hi, I have some ESPP stock from an ex-employer that I got 3-4 years back for $6K. Its gained around $4K and is now at around $10K. I'd like to sell it and put that towards VanguardTotalStockIndex in my taxable account. The company is headquartered outside US ...
by Alto Astral
Mon Mar 27, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Critique My AA
Replies: 10
Views: 661

Re: Critique My AA

I'd put it all in total stock market since you are just talking RothIRA. I have bondIndex in my RothIRA, but thats to balance the stocks in 401k. I'd recommend not to slice and dice till its around $50K
by Alto Astral
Mon Mar 27, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: Electric Space Heaters - Does expensive one heat better than cheap one?
Replies: 20
Views: 872

Re: Electric Space Heaters - Does expensive one heat better than cheap one?

I got a couple of these for around $20. Lasko 9.2 in. 1500-Watt Electric Portable Ceramic Compact Heater. Pretty quick and warm. I got store pickup for HomeDepot but Amazon, Walmart, Target all have it http://www.homedepot.com/p/Lasko-9-2-in-1500-Watt-Electric-Portable-Ceramic-Compact-Heater-754200/...
by Alto Astral
Sat Mar 25, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park excess cash
Replies: 12
Views: 2337

Re: Where to park excess cash

Open a Vanguard Brokerage account, put some in Prime Money Market, set up a Settlement fund (Federal MM) and consider Brokered CDs. Link to bank or credit union account(s). Then, when you are ready for some Mutual Funds - you are all set. I bought a brokered CD from Schwab this week -- 1.85% for a ...
by Alto Astral
Fri Mar 24, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: home buying negotiation tips
Replies: 10
Views: 1186

Re: home buying negotiation tips

It was a sellers market last year for us. Multiple-offer situation. We loved the home. Luckily got it. Never regretted offering over asking price. This was the first home we bought so I am not experienced enough to give tips. But I can say this - after two years of searching we felt this was the one...
by Alto Astral
Fri Mar 24, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage refinancing help understanding costs
Replies: 2
Views: 266

Re: Mortgage refinancing help understanding costs

The difference in very small. I'd stick with 30YF. You could always pay more towards principal thereby reducing the overall interest you pay through the life of your loan. That way my thought process between choosing 15YF vs 30YF. I started doing some pre-payments but recently stopped and instead op...
by Alto Astral
Fri Mar 24, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Jumping back in the market
Replies: 29
Views: 3991

Re: Jumping back in the market

I went in with $35k in a week. dbr recommended today to just go in and don't look back and I did. Your amounts may be larger and I can understand. For me it boiled down to if I was willing to pretend to DCA over then next week/month etc vs just go all in. I decided I would spend all the time checkin...
by Alto Astral
Fri Mar 24, 2017 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: Wife Getting PHD. Should I open a 529 Account
Replies: 6
Views: 877

Re: Wife Getting PHD. Should I open a 529 Account

A friend suggested we open an Oklahoma 529 plan ( details here ). We were told that that we can put $10,000 per year each ($20,000 total) into the account and then immediately withdraw it to pay for the expenses and our state income tax liability would be reduced by the $20,000 that we put into the...
by Alto Astral
Fri Mar 24, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Thoughts on Capital One 360 Money Market account for use as checking account?
Replies: 13
Views: 915

Re: Thoughts on Capital One 360 Money Market account for use as checking account?

I am starting to do this partially with my 360 savings account (0.75%). Just 2 withdrawals / month: mortgage and my credit card used for most expenses. Maybe the occasional transfer to Vanguard Taxable. All other smaller credit card balance, utility bill etc from Chase. Maybe I'll move those to 360 ...
by Alto Astral
Fri Mar 24, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Which of these funds for new 401k?
Replies: 9
Views: 517

Re: Which of these funds for new 401k?

100% in your 401k could go towards Vanguard Institutional Index. That will have the lowest expense ratio.

I recommend keeping bonds in Roth IRA as you have the option to withdrar contributions as needed.

Above are what I am doing.

With that you could have 80/20 AA.
by Alto Astral
Fri Mar 24, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Your Experiences with Risk Tolerance and having smaller versus larger account balances
Replies: 24
Views: 2057

Re: Your Experiences with Risk Tolerance and having smaller versus larger account balances

After about a year in 2015, I realized after reading much more on the forums I realized that I really do have the risk tolerance and ability to take on the 100/0 AA with Retirement funds. I faced this recently; if I should increase my risk. We are in our mid-30s too. However, I could not decide if ...
by Alto Astral
Fri Mar 24, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Admiral in both taxable and IRA?
Replies: 22
Views: 1752

Re: Total Stock Market Admiral in both taxable and IRA?

Tax loss harvesting can only happen in taxable accounts, so no problem selling in Roth IRA. If you sell at a loss in taxable, TLH, you can claim a loss if you have not also purchased that stock, either in taxable or in IRAs, within 30 days before or after your sale. It is not illegal to do so, you ...
by Alto Astral
Fri Mar 24, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Admiral in both taxable and IRA?
Replies: 22
Views: 1752

Re: Total Stock Market Admiral in both taxable and IRA?

It's not a no-no. However, there's one catch you need to know about. One of the benefits of a having a taxable account is that you're able to tax-loss harvest. If you're going to tax-loss harvest, you need to become familiar with the wash sale rule. The one thing that may not be obvious to someone ...
by Alto Astral
Fri Mar 24, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Admiral in both taxable and IRA?
Replies: 22
Views: 1752

Re: Total Stock Market Admiral in both taxable and IRA?

It's not a no-no. However, there's one catch you need to know about. One of the benefits of a having a taxable account is that you're able to tax-loss harvest. If you're going to tax-loss harvest, you need to become familiar with the wash sale rule. The one thing that may not be obvious to someone ...
by Alto Astral
Fri Mar 24, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 11
Views: 1011

Re: dollar cost averaging

Alredy put 10k last week, 5k today. DCA $500/week. $20k more to go. Can't time anything; now's as good a time as any If now is as good a time as any, why are you piddling around at $500/week? If this is in taxable it would be simpler to just have one lot invested. The $500/week is from paychecks - ...
by Alto Astral
Thu Mar 23, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Selling mutual funds in a ROTH
Replies: 13
Views: 941

Re: Selling mutual funds in a ROTH

No, you would "Buy". Then pick settlement fund in the source dropdown. I used "Exchange" when i traded Vanguardstockindex for vanguardBondIndex. All in Roth
by Alto Astral
Thu Mar 23, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: dollar cost averaging
Replies: 11
Views: 1011

Re: dollar cost averaging

Alredy put 10k last week, 5k today. DCA $500/week. $20k more to go. Can't time anything; now's as good a time as any
by Alto Astral
Wed Mar 22, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: I thought I knew my desired AA
Replies: 76
Views: 3482

Re: I thought I knew my desired AA

To continue on these numbers, if there were no crash, the 80/20 AA will be ahead of the 70/30 AA by around $28K. So we got an upside of $28K and a downside of -$36K at the 5 year mark Alto Astral, 1) And, it won't matter a bit. You need a number between 1 million to 1.5 million at the 15 years mark...
by Alto Astral
Wed Mar 22, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Long term unemployment planning
Replies: 61
Views: 2748

Re: Long term unemployment planning

Also, while you may not find an ideal job replacement in 12 months, you could always do temporary work or something to at least have some income coming in. Okay, that's something to chew on. Maybe some freelancing types or dome consulting. Okay, I had not considered this route. Just throwing this o...
by Alto Astral
Tue Mar 21, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Advice
Replies: 20
Views: 1190

Re: 401K Advice

What kinds of amounts are we talking? If just starting out, pick "Vanguard Institutional Index Instl". That one tracks s&p 500 . Bet it has the lowest ER. Once you numbers hit $50k or so, add in the small/mid cap to simulat total market indez Traditional 401k - $30k Roth IRA - $30k Ot...
by Alto Astral
Tue Mar 21, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Advice
Replies: 20
Views: 1190

Re: 401K Advice

What kinds of amounts are we talking? If just starting out, pick "Vanguard Institutional Index Instl". That one tracks s&p 500 . Bet it has the lowest ER. Once you numbers hit $50k or so, add in the small/mid cap to simulat total market indez
by Alto Astral
Tue Mar 21, 2017 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: How did graduating out of daycare impact your finances?
Replies: 80
Views: 6699

Re: How did graduating out of daycare impact your finances?

I have a newborn and a theee year old. I am looking at at least 2 years with double tuition. Then it will just be the younger one. Our local oublic school has extended hours but i do not know the fees yet. I've heard summer cam is expensive. So not expecting to save much
by Alto Astral
Tue Mar 21, 2017 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: What building year I should seek when shopping for a house?
Replies: 33
Views: 2512

Re: What building year I should seek when shopping for a house?

Skip the age filter altogether in redfin etc. I live in a 60s home. Its fine, no issues. Took us a couple of years to find the right one though. Went through a lot of discussions. So you may want to start looking early if this your first home. That why you can fine tune your search. Also, if have a ...

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