Search found 1245 matches

by LAlearning
Sun Aug 21, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 118
Views: 9901

Re: Best Crossover SUV to purchase

3 pages and we haven't bought anything yet?! :oops:
by LAlearning
Sun Aug 21, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Are these fees / returns reasonable
Replies: 36
Views: 2215

Re: Are these fees / returns reasonable

They are reasonable if you believe you are getting $18,000 per year of value out of the arrangement. I would personally never give someone my entire yearly 401k contribution to "manage" my money. It's up to you. This. Except they still aren't reasonable even if you believe it was justified.
by LAlearning
Thu Aug 18, 2016 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund Admiral Shares
Replies: 9
Views: 855

Re: Vanguard Health Care Fund Admiral Shares

huh? is this a question or a statement?
by LAlearning
Sat Aug 13, 2016 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Is a backdoor Roth IRA really worth it?
Replies: 6
Views: 558

Re: Is a backdoor Roth IRA really worth it?

Common mistake. You failed to realize the high earner cannot deduct a tIRA as stated above.

So immensely yes it is worth it. As long as we have it :|
by LAlearning
Sat Aug 13, 2016 8:33 am
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 44
Views: 2790

Re: Building a Pool

Don't do it.
by LAlearning
Fri Aug 12, 2016 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off student loans quickly versus investing
Replies: 23
Views: 1633

Re: Paying off student loans quickly versus investing

I think the OP means it won't be 6.8%. After refinancing to 2-3%, you will have room to do both. But I would still prioritize loans as they otherwise will just hang over your head.
by LAlearning
Fri Aug 12, 2016 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Longtime Lurker Finally Ready to Bare It All ;)
Replies: 32
Views: 2654

Re: Longtime Lurker Finally Ready to Bare It All ;)

50k/yr to Ameriprise? That single disaster overshadows any other hard work you do.
by LAlearning
Fri Aug 12, 2016 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review ?
Replies: 23
Views: 2009

Re: Portfolio Review ?

Would get rid of volitilty and just have a more conservative allocation.
by LAlearning
Fri Aug 12, 2016 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Question
Replies: 13
Views: 1262

Re: ROTH IRA Question

No you can't "contribute". But you can "convert". Maybe.
by LAlearning
Fri Aug 12, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Is there any reason to wait [to do a 2016 Roth conversion]
Replies: 21
Views: 1815

Re: Is there any reason to wait

The shorter than livesofts answer is no.
by LAlearning
Fri Aug 12, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: Anyone else noticing the economy improving?
Replies: 78
Views: 4143

Re: Anyone else noticing the economy improving?

This has been going on for awhile. The pundits on TV want you to think otherwise.
by LAlearning
Tue Aug 09, 2016 8:48 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 118
Views: 9901

Re: Best Crossover SUV to purchase

That list is all over the place...you're not even in 1 category.
by LAlearning
Tue Aug 09, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard - why don't I 'feel' good about them?
Replies: 36
Views: 3441

Re: Vanguard - why don't I 'feel' good about them?

Don't move. Fidelity = Vanguard now essentially.
by LAlearning
Thu Aug 04, 2016 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Very late to the party.
Replies: 10
Views: 1782

Re: Very late to the party.

only in america is a millionaire retiree behind...
by LAlearning
Thu Aug 04, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: 401K, IRA & Roth - Invest max in all
Replies: 3
Views: 377

Re: 401K, IRA & Roth - Invest max in all

No. It's total for both, split however you like.
by LAlearning
Tue Aug 02, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Save for a house or keep investing or both?
Replies: 7
Views: 708

Re: Save for a house or keep investing or both?

your happy in your parents house, so why do you want a house? and at 23? and in LA? ugh.
maybe move out, rent somewhere interesting, and save anyways.
by LAlearning
Tue Aug 02, 2016 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for financial goals and planning
Replies: 9
Views: 1129

Re: Suggestions for financial goals and planning

why a sepira vs a solo 401k? otherwise you cant backdoor roth.
i think 50K in efunds sounds plenty. but you can pick any number you feel comfortable with.
by LAlearning
Tue Aug 02, 2016 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Fund Selection assistance
Replies: 4
Views: 334

Re: Fund Selection assistance

total stock
total intl
int term municipal
by LAlearning
Tue Aug 02, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: Iron Mountain (IRM)
Replies: 6
Views: 741

Re: Iron Mountain (IRM)

Sounds worthless... Or worthwhile.
by LAlearning
Sun Jul 31, 2016 11:52 am
Forum: Personal Consumer Issues
Topic: Anyone else sick of AT&T internet? Suggestion needed please!
Replies: 7
Views: 547

Re: Anyone else sick of AT&T internet? Suggestion needed please!

call and get moved up the chain to supervisor level. then call and call again.
can you cancel through your account online?
by LAlearning
Sun Jul 31, 2016 11:13 am
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 3489

Re: Stock Screeners

I think LAlearning meant do you have proof that you did it. Evidence that you did it would work. My record isn't long enough, and doesn't contain enough trades, to be statistically significant on its own. Interested parties would find it more beneficial to study the track records of successful long...
by LAlearning
Sat Jul 30, 2016 11:51 pm
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 3489

Re: Stock Screeners

I use the paid service at valuesignals.com as my initial screener and then perform additional analysis using the free services of gurufocus.com and morningstar.com. I mainly invest in individual stocks, with an emphasis on smaller value stocks. Over the past 13 years, this approach has beaten a pas...
by LAlearning
Sat Jul 30, 2016 7:27 pm
Forum: Investing - Theory, News & General
Topic: Investing at stock market highs
Replies: 52
Views: 4156

Re: Investing at stock market highs

Put it in like you should have.
by LAlearning
Sat Jul 30, 2016 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 10
Views: 942

Re: Portfolio Review

it just looks like a random mishmash.
by LAlearning
Sat Jul 30, 2016 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: asset allocation too cash heavy: how to unwind?
Replies: 37
Views: 3178

Re: asset allocation too cash heavy: how to unwind?

i dont understand what you mean by "high level issue"?
by LAlearning
Sat Jul 30, 2016 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Total bond vs Muni bond
Replies: 3
Views: 361

Re: Total bond vs Muni bond

there is no 20% tax bracket.
i avoid van cal muni as i dont like my eggs all in one state. i gladly pass by the additional tax savings for that peace of mind.
by LAlearning
Sat Jul 30, 2016 1:53 pm
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 6267

Re: New Tipping Practice?

old crank it is.
move to japan, no tipping.
by LAlearning
Sat Jul 30, 2016 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard an external ETFs
Replies: 4
Views: 238

Re: Vanguard an external ETFs

well that was a fun google.
by LAlearning
Sat Jul 30, 2016 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA conversion tax question
Replies: 10
Views: 397

Re: Backdoor Roth IRA conversion tax question

just do it all at once. it will take you minimal time to save 11K (5500x2) as you make 19k/m. a savings account is fine.

contribute to tIRA for 2016 -> convert to rIRA in 2016 -> file 8606 for 2016.
by LAlearning
Sat Jul 30, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 3489

Re: Stock Screeners

go for it.

keep meticulous records for XIRR that you can post.
keep track of your expenses that you can post.
keep track of the time you put into this that you can post.

and we'll see.
by LAlearning
Fri Jul 29, 2016 7:06 pm
Forum: Personal Consumer Issues
Topic: Never owned a cell phone.
Replies: 41
Views: 1894

Re: Never owned a cell phone.

And this is a thread because?
by LAlearning
Fri Jul 29, 2016 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Trying to help my retired parents
Replies: 16
Views: 1482

Re: Trying to help my retired parents

AlwaysAStudent wrote:Are they currently in the 20% tax bracket? If not, why do they think they will have to pay 20% tax on the 401k?


There is no 20% bracket.
It might be because he took a direct withdrawal vs rolled over to an IRA.
by LAlearning
Thu Jul 28, 2016 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Housing for newlyweds
Replies: 18
Views: 1671

Re: Housing for newlyweds

It sounds like there is nothing for you to buy.
by LAlearning
Thu Jul 28, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 82
Views: 8572

Re: Costco rotisserie chicken

Teague wrote:To break the monotony I'm training one I picked up today. "Sit" and "stay" are coming along very nicely.



:shock: :shock: :shock: ha!
by LAlearning
Thu Jul 28, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: google sheets - so frustrating...
Replies: 26
Views: 2259

Re: google sheets - so frustrating...

From your example it looks like you are doing it wrong ... A la Steve jobs
by LAlearning
Thu Jul 28, 2016 4:54 pm
Forum: Investing - Theory, News & General
Topic: investing in fertilizer companies
Replies: 4
Views: 383

Re: investing in fertilizer companies

I don't know what you want us to say...
by LAlearning
Sat Jul 23, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to Freeze Credit
Replies: 13
Views: 436

Re: How to Freeze Credit

mrc wrote:
LAlearning wrote:You must have clicked something by accident.


Or not unchecked a box. Sleazy.


i mean, its called reading instructions.
by LAlearning
Sat Jul 23, 2016 11:26 am
Forum: Personal Finance (Not Investing)
Topic: How to Freeze Credit
Replies: 13
Views: 436

Re: How to Freeze Credit

You must have clicked something by accident.
by LAlearning
Thu Jul 21, 2016 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard PA Money Market
Replies: 2
Views: 308

Re: Vanguard PA Money Market

there is almost no reason to use a MM these days.
Ally is 1%. Start there.
by LAlearning
Tue Jul 19, 2016 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Taxcaster for state returns
Replies: 5
Views: 581

Re: Taxcaster for state returns

make your own spreadsheet.
by LAlearning
Tue Jul 19, 2016 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: help me with bonds
Replies: 34
Views: 2612

Re: help me with bonds

if you have so much money that you dont care about working longer or cutting back spending, then do nothing.

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