Search found 1094 matches

by LAlearning
Mon May 23, 2016 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much Umbrella Insurance?
Replies: 16
Views: 1759

Re: How much Umbrella Insurance?

A million is cheap. Start there.
by LAlearning
Mon May 23, 2016 2:14 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 77
Views: 2332

Re: What was your first investment?

Vanguard's STAR Fund. Had the lowest minimum at the time.
by LAlearning
Fri May 20, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: Is Chiropractic Medicine mumbo jumbo?
Replies: 10
Views: 1159

Re: Is Chiropractic Medicine mumbo jumbo?

And what can a chiropractor diagnose and fix that no one else can?
by LAlearning
Fri May 20, 2016 3:59 pm
Forum: Personal Consumer Issues
Topic: Pay off car or save/invest that money
Replies: 14
Views: 1036

Re: Pay off car or save/invest that money

Pay off car.
by LAlearning
Fri May 20, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: New Physician Looking for Advice
Replies: 18
Views: 2123

Re: New Physician Looking for Advice

Emergency funds: 3 months Debt: $300K in student loans, on track for forgiveness in 10 years - everyone will be watching the class of 2017 closely. Also this assumes 501c post residency. Tax Filing Status: Single Tax Rate: 12% Federal, 5% State - your federal is not correct. This is marginal (ie th...
by LAlearning
Mon May 16, 2016 9:14 pm
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 62
Views: 4739

Re: For those of you in the Accumulation Phase - How often do you check?

i check daily. its a spreadsheet. 99.998% of the time, there is nothing to do.
by LAlearning
Sun May 15, 2016 9:38 pm
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2090

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

I mean....you are cycling the power supply but I doubt in the long run you are hurting the machine. You could also do nothing as the electricity difference is also not large.
by LAlearning
Sun May 15, 2016 1:33 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation 1 year in advance?
Replies: 4
Views: 402

Re: Asset Allocation 1 year in advance?

Every time you add money, you do the math and see where it should go so your AA remains the same. This essentially is rebalancing without having to sell. So you will always have the same AA.
by LAlearning
Sun May 15, 2016 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20808

Re: Rich But Middle Class

You are rich and looking down on the middle class.
by LAlearning
Sat May 14, 2016 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 23
Views: 1569

Re: TSP to Vanguard?

abuss368 wrote:In my opinion, moving our investment portfolio to Vanguard was the best financial decision we ever made.

Thank you Jack Bogle!


Yea, but not from the TSP.
by LAlearning
Sat May 14, 2016 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab Voice ID - Anybody try it yet?
Replies: 6
Views: 705

Re: Schwab Voice ID - Anybody try it yet?

Never use something for a password that cannot be changed....

What happens when someone intercepts your phone call...
http://www.cbsnews.com/news/60-minutes- ... our-phone/
by LAlearning
Sat May 14, 2016 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Safe? In Trouble? - 401K Retirement
Replies: 13
Views: 1605

Re: Safe? In Trouble? - 401K Retirement

Only in America does someone ask is 2.5 mil not enough.

You should be fine as long as you don't need 2.6.
by LAlearning
Sat May 14, 2016 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to transfer money to Vanguard???
Replies: 48
Views: 4769

Re: Is now a bad time to transfer money to Vanguard???

Cheeko246 wrote:I'm getting conflicting information from family and friends [...] moving away from a bad advisor.


you seem to be surrounded by a lot of terrible people. you should run away.
being here will be more beneficial for your overall finances.
by LAlearning
Sat May 14, 2016 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Guidance for saving for children's education [personal acct vs 529]
Replies: 9
Views: 1237

Re: Guidance for saving for children's education [personal acct vs 529]

MS is Mississippi I take it.
would contribute enough to get tax deduction.
then fund a different 529 or use taxable.
by LAlearning
Sat May 14, 2016 2:18 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation 1 year in advance?
Replies: 4
Views: 402

Re: Asset Allocation 1 year in advance?

seems needlessly complex.
also doesnt help that we dont know what AA you are planning.

if you have a $100 to invest and your AA is 50:50, you put whatever % into the funds to equal your AA. might be all stocks, all bonds, but usually is a percentage of each to keep you at your goal AA.
by LAlearning
Mon May 09, 2016 10:15 pm
Forum: Personal Consumer Issues
Topic: Coffee maker
Replies: 38
Views: 3566

Re: Coffee maker

by LAlearning
Mon May 09, 2016 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard advisor at 0.03% [actually 0.3%]
Replies: 53
Views: 7991

Re: Vanguard advisor at 0.03%

I thought it was 0.3%?
What additional help do you need?
by LAlearning
Sat May 07, 2016 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Post College Personal Finance Plan
Replies: 6
Views: 669

Re: Post College Personal Finance Plan

your after tax number is likely wrong.

and assuming decent options in your 401k, i would first fill that up before going to rIRA given CA state taxes.
by LAlearning
Sat May 07, 2016 4:54 pm
Forum: Investing - Theory, News & General
Topic: Help talk me out of this...
Replies: 25
Views: 1996

Re: Help talk me out of this...

aic wrote:What am I missing?


my initial thought is that you compared the funds to the wrong benchmarks...

and to retire ASAP...you need money to cover your expenses. changing your plan may or may not help that at this moment in time. but it will in the future.
by LAlearning
Sat May 07, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice....
Replies: 5
Views: 493

Re: Portfolio Advice....

read about the backdoor roth IRA in the wiki.
by LAlearning
Sun May 01, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is this possible? [Reinvesting retirement account withdrawal funds]
Replies: 16
Views: 1232

Re: Is this possible?

svtt wrote:Thank you all. For a moment I thought I was going to save big dollars :)


For a moment you were trying to not pay your fair share.
by LAlearning
Sun May 01, 2016 3:20 pm
Forum: Personal Consumer Issues
Topic: WOW fantastic Cars in the Wild
Replies: 84
Views: 10294

Re: WOW fantastic Cars in the Wild

Love Ferraris.

I live in LA....so all of them. Which is nice.
by LAlearning
Sat Apr 30, 2016 11:34 pm
Forum: Personal Finance (Not Investing)
Topic: Jitters [About financial news]
Replies: 3
Views: 615

Re: Jitters

:beer
by LAlearning
Thu Apr 28, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Car Buying Advice
Replies: 31
Views: 2746

Re: Car Buying Advice

sco wrote:I'm shocked Kia makes a 30k Vehicle, as I have yet to actually see one.


you realize this one starts at 50k...: http://www.kia.com/us/en/vehicle/k900/2016
by LAlearning
Thu Apr 28, 2016 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help deciding if to ditch my financial advisor and DIY
Replies: 13
Views: 1093

Re: Help deciding if to ditch my financial advisor and DIY

Currently we are paying 1800 yearly flat fee for about 1 million in assets (0.18% and this will go down as hopefully our assets increase). --not to shabby. you would pay 0.3% for Vanguard. The advantages in my mind that have so far prevented me from doing it myself have been: 1. Access to DFA funds...
by LAlearning
Wed Apr 27, 2016 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Need Confirmation on Contribution Limits
Replies: 13
Views: 630

Re: Need Confirmation on Contribution Limits

retiredjg wrote:My opinion is to use traditional 403b and Roth IRA (s) for as long as you can.


:thumbsup
by LAlearning
Wed Apr 27, 2016 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Need Confirmation on Contribution Limits
Replies: 13
Views: 630

Re: Need Confirmation on Contribution Limits

you wont be able to backdoor in the future without getting rid of that tIRA
by LAlearning
Wed Apr 27, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 9768

Re: Are females just not interested in investing in general or is it just the women that I date?

you had your answer at "im 26". the majority of ppl need more time to mature. this forum is not filled with those people however.
by LAlearning
Tue Apr 26, 2016 4:15 pm
Forum: Investing - Theory, News & General
Topic: Taxable Account - Bonds - Diversification vs. Tax
Replies: 47
Views: 5665

Re: Taxable Account - Bonds - Diversification vs. Tax

Depends on tax bracket.

VWITX holds >5000 bonds. It is by no means not diversified.
by LAlearning
Mon Apr 25, 2016 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Index Fund Move Plan
Replies: 9
Views: 601

Re: Advice on Index Fund Move Plan

Doesn't Wells Fargo have free trades on some index funds? You could just leave it there and cut off the advisor then.
by LAlearning
Mon Apr 25, 2016 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: VUL - help me out of this mess
Replies: 20
Views: 1564

Re: VUL - help me out of this mess

Get term, then cancel. Lesson learned.
by LAlearning
Mon Apr 25, 2016 12:17 pm
Forum: Personal Consumer Issues
Topic: Car Buying Advice
Replies: 31
Views: 2746

Re: Car Buying Advice

Why do you need a new car? Sounds like you can't afford it. A CU here is offering auto rates at 1.5%, can you wait to get something similar?
by LAlearning
Sat Apr 23, 2016 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k
Replies: 9
Views: 653

Re: New 401k

simplest is placing everything into a vanguard TR fund that matches your AA in your 401k (such as TR 2030 or 2025).
then open a roth IRA and either place the same thing (Fidelity also has good index TR funds).
rinse, repeat. study, learn. adjust as wanted.
by LAlearning
Sat Apr 23, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to make sure the IRS received my 1040?
Replies: 12
Views: 1081

Re: How to make sure the IRS received my 1040?

did you call the help # for USPS?
by LAlearning
Sat Apr 23, 2016 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover 401K into Traditional or Roth IRA?
Replies: 4
Views: 285

Re: Rollover 401K into Traditional or Roth IRA?

you could leave it alone....or wait till the next job and move it there if the funds are better.
by LAlearning
Sat Apr 23, 2016 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Tax optimization
Replies: 36
Views: 2364

Re: Tax optimization

you have to do the things the govt rewards to save on tax.
- get married, but to someone with no income
- buy a house up to 1,000,000 to deduct interest
- have a few kids
- give money away to charity
- dont earn so much money!!!!
- max pretax 401k
- no 1099 int
- etc....
by LAlearning
Fri Apr 22, 2016 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: NEW Funds added to 401K Help
Replies: 6
Views: 468

Re: NEW Funds added to 401K Help

what a disgusting 401k... :oops:
by LAlearning
Fri Apr 22, 2016 10:52 am
Forum: Investing - Help with Personal Investments
Topic: First time investor, nervous about dropping $150.000 into the market
Replies: 8
Views: 2114

Re: First time investor, nervous about dropping $150.000 into the market

Just FYI 401k limit is 18K/year. I would increase this. the Employer match does not count towards that limit.
by LAlearning
Thu Apr 21, 2016 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Using Roth IRA for Home Down Payment.
Replies: 23
Views: 1673

Re: Using Roth IRA for Home Down Payment.

you are talking about taking all contributions from the roth? my gut says definitely not....

why is PMI 30K? what numbers are you running?
by LAlearning
Wed Apr 20, 2016 11:49 am
Forum: Investing - Help with Personal Investments
Topic: First Investment Help
Replies: 3
Views: 243

Re: First Investment Help

Just the one. That simple.
by LAlearning
Tue Apr 19, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: What is "wrong" with having more funds in a portfolio?
Replies: 70
Views: 4263

Re: What is "wrong" with having more funds in a portfolio?

so you didnt understand diversification before. and now you are spinning your wheels with overlap diversification. whatever keeps you from selling low...
by LAlearning
Tue Apr 19, 2016 10:58 am
Forum: Investing - Theory, News & General
Topic: What is "wrong" with having more funds in a portfolio?
Replies: 70
Views: 4263

Re: What is "wrong" with having more funds in a portfolio?

i more focused on the bonds in your taxable account....why add the drag?
by LAlearning
Tue Apr 19, 2016 8:11 am
Forum: Personal Finance (Not Investing)
Topic: How to protect kids from losing inheritance in case of a divorce
Replies: 29
Views: 4415

Re: How to protect kids from losing inheritance in case of a divorce

But you will be dead.....so what does it matter as the devil said?
by LAlearning
Mon Apr 18, 2016 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Individual Roth 401k & Roth IRA - Both?
Replies: 4
Views: 200

Re: Individual Roth 401k & Roth IRA - Both?

Based on her income you have to calculate contributions for solo 401k, up to 18000. Plus 5500 for rIRA.
by LAlearning
Mon Apr 18, 2016 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2035 to Vanguard Admiral Fund?
Replies: 2
Views: 516

Re: Vanguard Target Retirement 2035 to Vanguard Admiral Fund?

I don't think you understand the differences....
TDF use their dividends, and are more diversified.
Why would you not use total stock vs 500?
by LAlearning
Mon Apr 18, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Individual Roth 401k & Roth IRA - Both?
Replies: 4
Views: 200

Re: Individual Roth 401k & Roth IRA - Both?

Completely separate.
by LAlearning
Mon Apr 18, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Spousal traditional ira
Replies: 5
Views: 405

Re: Spousal traditional ira

do you both have access to a 401k (or work place retirement plan)?

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