Search found 32 matches

by Indexboss
Thu Oct 19, 2017 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to invest (*other* than Vanguard)?
Replies: 27
Views: 2207

Re: Best place to invest (*other* than Vanguard)?

I don't see a need to diversify investment companies- my investments are already diversified. I would choose Schwab then Fidelity next.
by Indexboss
Tue Oct 17, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: 18 Year Old - Starting Investment
Replies: 8
Views: 681

Re: 18 Year Old - Starting Investment

I agree with the others- Vanguard Target 2060. Tell him to ignore that money and stay the course, it will pay off greatly.

I wish I could give advice to my 18 year old self.....
by Indexboss
Fri Oct 13, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost 457 plans
Replies: 15
Views: 851

Re: Low cost 457 plans

In my state there is a state plan (Ohio Defferred Comp) or you can elect to go with a private company at some employers, for me the other choice was Securities America. I went with the state plan.
by Indexboss
Tue Oct 03, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 125
Views: 14575

Re: TSP to Vanguard?

I have a TSP and Vanguard account. The only reason I would switch is because of the withdrawal rules for the TSP. There is talk of them changing them. I personally do not plan on ever closing out my TSP.
by Indexboss
Tue Sep 19, 2017 11:34 pm
Forum: Personal Consumer Issues
Topic: Grass trimmer
Replies: 67
Views: 4387

Re: Grass trimmer

I used to have a small mowing business with 25 lots or so done every week. After using commercial trimmers, I would never go back even if it was for 1 yard. I personally preferred Redmax, they were bought out by Husqvarna a few years ago though. I recommend an entry level commercial model from any p...
by Indexboss
Thu Sep 07, 2017 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab, Fidelity, or Vanguard for taxable account?
Replies: 21
Views: 2510

Re: Schwab, Fidelity, or Vanguard for taxable account?

My taxable is through vanguard, using ETF's. My next choice would be Schwab or TDAmeritade.
by Indexboss
Thu Sep 07, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put short term investment?
Replies: 6
Views: 757

Re: Where to put short term investment?

I would also consider a Capital One 360 Money Market, $200 bonus and currently at 1.20 APY
by Indexboss
Sun Aug 27, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: IRS CP2000 Tax Bill Letter - Please Help
Replies: 32
Views: 2067

Re: IRS CP2000 Tax Bill Letter - Please Help

My situation was different. In summary, I placed 10K as 2 years contribution in a rIRA. A few days went by and I decided I better research it more, so I called the broker and had him cancel everything. The money had already been transferred. The money was returned to me, the same exact amount. The b...
by Indexboss
Sat Aug 26, 2017 12:08 am
Forum: Personal Finance (Not Investing)
Topic: IRS CP2000 Tax Bill Letter - Please Help
Replies: 32
Views: 2067

Re: IRS CP2000 Tax Bill Letter - Please Help

I've had a tax issue with the IRS which stated I owed them $2600. I replied with a simple letter I typed up myself and they accepted my response :sharebeer and changed the balance due to 0.00 It was well worth the time it took to write the letter. I called my tax guy, who said I was SOL. I've found ...
by Indexboss
Sun Aug 13, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin
Replies: 124
Views: 8750

Re: Bitcoin

There have been a few threads on it. From my recollection it doesn't seem like a trusted investment by bogleheads, and may suggested only using small amounts of "surplus" money to put towards it. With that said I know some people who have made money off of it. I personally do not own any or plan on ...
by Indexboss
Sat Aug 12, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: TSP Allocation Strategy for the AGRESSIVE Investor
Replies: 36
Views: 2411

Re: TSP Allocation Strategy for the AGRESSIVE Investor

I was using Dave Ramsey's suggested 60 C, 20 I, 20 S. I read the Boglehead retirement book that suggested no more than 90 percent equities at any time. I have changed it to 10 G, 56 C, 17 S, 17 I. I just combined the two theories. I may just simplify it down the line and switch to a L fund, but I'm ...
by Indexboss
Sat Aug 05, 2017 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual fund or EFT?
Replies: 4
Views: 402

Re: Mutual fund or EFT?

I have a small ish (4k) taxable portfolio. I use ETF's because I can get cheap ER's for relatively small investments. In my IRA I prefer mutual funds. They both really perform the same and the ETF's I use have tiny bid ask spreads (1 cent) so trade price does not matter. If I had to use ETF's in my ...
by Indexboss
Sun Jul 30, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Should i diversify from Vanguard?
Replies: 25
Views: 2030

Re: Should i diversify from Vanguard?

My IRA and taxable account is through Vanguard. My other accounts are through TSP and BlackRock. I would not worry about it being all in one place. My next choice would be Schwab.
by Indexboss
Fri Jul 28, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Where should I save my money?
Replies: 8
Views: 1185

Re: Where should I save my money?

Ally's 1.5 percent no penalty CD is a good deal (25K minimum). Capital one 360 has a MM account that was offerring a $200 bonus, started off at 1.00% for accounts more than 10K, they raised the rate to %1.10. Not sure if they still have the bonus. The MM account is a little more flexible and you can...
by Indexboss
Sat Jul 08, 2017 5:36 am
Forum: Investing - Help with Personal Investments
Topic: 457 Options CalPers vs. Valic
Replies: 6
Views: 571

Re: 457 Options CalPers vs. Valic

Most 457 plans will have the expense of the fund and a plan admin fee. For example, my state's 457 uses Blackrock for its TD funds with an expense of .09. it has a quarterly fee of .14 capped at $55.00
by Indexboss
Mon Jul 03, 2017 10:20 pm
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 14538

Re: Bogleheads: you should be buying 10-year old cars

In my neck of the woods road salt eats up the cars by about 12 years. Otherwise I would have no qualms about driving my Camry for 20 years I live in possibly the most heavily salted area in the country and while salt absolutely takes its toll on cars, there are things you can do to mitigate its eff...
by Indexboss
Mon Jul 03, 2017 12:29 am
Forum: Personal Consumer Issues
Topic: Bogleheads: you should be buying 10-year old cars
Replies: 173
Views: 14538

Re: Bogleheads: you should be buying 10-year old cars

In my neck of the woods road salt eats up the cars by about 12 years. Otherwise I would have no qualms about driving my Camry for 20 years
by Indexboss
Tue Jun 27, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Where to stash cash for a car?
Replies: 5
Views: 871

Re: Where to stash cash for a car?

I have been putting cash like that (cars, fun things etc) into a taxable ETF portfolio of stocks (mainly VTI, VHT, and VXUS). I'm not going to need a car for at least 12 years and I only contribute when my retirement accounts are maxed out. I figure since my timeline is a bit longer I can afford to ...
by Indexboss
Thu Jun 22, 2017 3:37 pm
Forum: Personal Consumer Issues
Topic: What Do You Pay for an Oil Change?
Replies: 129
Views: 9361

Re: What Do You Pay for an Oil Change?

I change oil myself, but many modern cars are switching to expensive 0W-20 synthetic only oils for fuel efficiency standards. The cost to buy 5-6 quarts is about $40-50. An OEM filter costs around $10.00 or so. At least most modern cars have 10,000 mile intervals.
by Indexboss
Thu Jun 22, 2017 3:23 pm
Forum: Investing - Theory, News & General
Topic: Not reinvesting dividends
Replies: 22
Views: 3712

Re: Not reinvesting dividends

In my Roth IRA, I reinvest. In my taxable EFT account, I transfer to settlement fund. I do it to avoid tax lots, but to be honest that is only based off of what I have read here. I do not quite understand that.
by Indexboss
Tue Jun 20, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: LifePath TR (Newly Available)
Replies: 2
Views: 341

Re: LifePath TR (Newly Available)

I'm in a Blackrock Lifepath TR fund that is some sort of Collective Investment Trust with an expense ratio of .09 It has done quite well but I'm unable to find much information about it. It has no Ticker symbol. I'm sure someone will chime in about the non-lendable part. I've considered the other op...
by Indexboss
Thu Jun 15, 2017 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Moving a Roth IRA from Betterment to Vanguard?
Replies: 6
Views: 889

Re: Moving a Roth IRA from Betterment to Vanguard?

I would go with option 2. I plan on using a Target Date fund until my account gets to 40K ish.
by Indexboss
Thu Jun 15, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities ?
Replies: 16
Views: 1176

Re: Federal Employee First Alliance - Annuities ?

As a TSP participant, I will most likely never roll money from it into any other plan, and never close it out completely. I actually plan on rolling my 457 plan into it if I switch jobs. .64 percent expense ratio vs. .03
by Indexboss
Thu Jun 15, 2017 10:00 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 5454

Re: Dehumidifier woes

My house (or I should say my brother's I rent at) has a commercial unit connected to the furnace system. It drains into a sink. It is very effective. It seems most portable ones are throw-a-ways and they last about 3 years. The installed unit has had some minor issues but were repaired. Is that a d...
by Indexboss
Thu Jun 15, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Dehumidifier woes
Replies: 66
Views: 5454

Re: Dehumidifier woes

My house (or I should say my brother's I rent at) has a commercial unit connected to the furnace system. It drains into a sink. It is very effective. It seems most portable ones are throw-a-ways and they last about 3 years. The installed unit has had some minor issues but were repaired.
by Indexboss
Thu Jun 15, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Newly minted military doc seeking help
Replies: 13
Views: 1525

Re: Newly minted military doc seeking help

I have a Roth TSP and Vanguard Roth IRA. I'm a reservist and I put all of my reserve pay into the Roth TSP. I wanted a more aggressive AA than the LifeCycle Funds because I'm planning on having two pensions and the TSP is going to be the smallest part of my retirement, unless I roll things into it. ...
by Indexboss
Sat Jun 03, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put IRA money for next year?
Replies: 9
Views: 771

Re: Where to put IRA money for next year?

I would put it in a Capital 1 360 MMA, at 1%, especially if they are still offering the $200 bonus. There is a chance your AA may cause it to be a short term loss.
by Indexboss
Mon May 29, 2017 5:01 pm
Forum: Investing - Theory, News & General
Topic: How many investment companies to have money in?
Replies: 41
Views: 3917

Re: How many investment companies to have money in?

IRA and taxable account with Vanguard, 457 with a program invested in Blackrock Lifepath, and the TSP.
by Indexboss
Sun May 28, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Idea for Fun Money Account, Good, Bad or Ugly?
Replies: 32
Views: 2220

Re: Idea for Fun Money Account, Good, Bad or Ugly?

For my fun money after maxing out my retirement accounts I put 1K in a taxable account, mostly VTI and VXUS. I had never purchased ETF's before and wanted to see how they work. I'm planning on only contributing to that account if my others are maxed out. I bet a buddy my ETF's would outperform his i...
by Indexboss
Fri May 12, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track?
Replies: 4
Views: 946

Re: Am I on track?

Thanks for the replies! I appreciate the feedback. After I posted this I saw the sticky thread about the format the forum prefers. I plan on buying a house within the next 5 years, however if I change employers it depends on what employer I'm working for. Good suggestion with laddering of CD's. I wi...
by Indexboss
Wed May 10, 2017 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Am I on track?
Replies: 4
Views: 946

Am I on track?

Hello! I recently started coming to the board after reading The Boglehead Guide to Investing and have enjoyed reading the forum. I thought I would run my plan past you guys. 28 year old, employed by the local government and military reservist. Salary is about 67K for both. I will have (hopefully) a ...