Search found 1201 matches

by LAlearning
Sat Jul 23, 2016 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: How to Freeze Credit
Replies: 13
Views: 374

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: 374

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: 287

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: 551

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: 2526

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.
by LAlearning
Tue Jul 19, 2016 10:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Voice Verification
Replies: 21
Views: 3203

Re: Vanguard Voice Verification

Usually not a good idea to use something that can't be changed as a password.
by LAlearning
Tue Jul 19, 2016 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: My 16 year old son wants to open a Roth IRA this year. Income minimum?
Replies: 17
Views: 1471

Re: My 16 year old son wants to open a Roth IRA this year. Income minimum?

KlangFool wrote:I would suggest Vanguard STAR fund to start. And, when the amount reaches 3K, switch to lifestratgy Growth fund. KlangFool


This was fine many years ago, but honestly there is no reason NOT to pick the TDF over STAR at the 1K minimum if you must be at Vanguard.
by LAlearning
Tue Jul 19, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie needing help with 403b fund selection & rollover
Replies: 6
Views: 331

Re: Newbie needing help with 403b fund selection & rollover

I spoke with plan administrator and IRAs can be rolled into the 403b, however there are about 5K in fees if we don't wait until 5 year mark d/t the fixed interest fund selected(5%). We are both at 6 months away from 5 years. Is that a better option than moving to a non-deductible IRA? Right now we ...
by LAlearning
Tue Jul 19, 2016 11:50 am
Forum: Personal Consumer Issues
Topic: Microsoft's latest "force Win10" tactic?
Replies: 22
Views: 2444

Re: Microsoft's latest "force Win10" tactic?

you could also just update to win10...
by LAlearning
Tue Jul 19, 2016 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Newbie needing help with 403b fund selection & rollover
Replies: 6
Views: 331

Re: Newbie needing help with 403b fund selection & rollover

#1) need to find a way to get rid of the traditional IRAs. would your 403b take them? then you can use a backdoor roth IRA given your income. if not, then you need to decide nondeductible IRA vs taxable account. #1.1) if not, then the iras need to be moved to vanguard or fidelity or etc. call them u...
by LAlearning
Tue Jul 19, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: mortgage vs investing
Replies: 43
Views: 1823

Re: mortgage vs investing

1) refinance mortgage
2) max retirement vehicles (spend from taxable to *move* money into retirement accounts)
3) then you can use the extra left over to pre-pay your mortgage if thats what you want.
by LAlearning
Tue Jul 19, 2016 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Am I optimizing my retirement account allocations?
Replies: 1
Views: 213

Re: Am I optimizing my retirement account allocations?

fund all retirement accounts
roll over tIRAs to 401k so you can backdoor.
by LAlearning
Tue Jul 19, 2016 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund - Rate of return 2%!
Replies: 25
Views: 4178

Re: Vanguard Target Retirement 2055 Fund - Rate of return 2%!

look at the first 18m ,you didnt even have 3K in the IRA. that is what is bringing down your average. you realize another 5500 and you trump any gain or loss you could make anyways right now?

stop looking.
keep investing.
by LAlearning
Mon Jul 18, 2016 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Hold Roth IRA with $43k in stock or cash out?
Replies: 15
Views: 714

Re: Hold Roth IRA with $43k in stock or cash out?

But did you understand the comment of backdoor rIRA?
by LAlearning
Mon Jul 18, 2016 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Hold Roth IRA with $43k in stock or cash out?
Replies: 15
Views: 714

Re: Hold Roth IRA with $43k in stock or cash out?

You should definitely cash it out... Said no one on this board ever.

Let us know what you decide.
by LAlearning
Sun Jul 17, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 9349

Re: Just got back from Europe...ready to sell my International...

Do what you like.
For comparison just went to Japan and it was amazing. But I'm not about to pour anymore money into them...
by LAlearning
Sun Jul 17, 2016 5:30 pm
Forum: Personal Consumer Issues
Topic: Mother was victim of online virus scam - How can she recover the money she paid?
Replies: 56
Views: 5076

Re: Mother was victim of online virus scam - How can she recover the money she paid?

My 86 year old mother was on her computer when her computer froze and a message appeared stating her computer was infected by a virus . There was a phone number to call to have the virus removed. She called that phone number and gave her credit card information. The credit card did not work so she ...
by LAlearning
Sun Jul 17, 2016 5:26 pm
Forum: Investing - Theory, News & General
Topic: Merrill Lynch vs Merrill Lynch Edge
Replies: 5
Views: 647

Re: Merrill Lynch vs Merrill Lynch Edge

why are you trading?
by LAlearning
Sun Jul 17, 2016 5:22 pm
Forum: Forum Issues and Administration
Topic: Outbox
Replies: 7
Views: 448

Re: Outbox

apparently no one wants to read your PMs.
by LAlearning
Sun Jul 17, 2016 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Help with investment choice
Replies: 5
Views: 316

Re: Help with investment choice

if you want growth...change to lifestrategy growth....
by LAlearning
Fri Jul 15, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Income Question
Replies: 4
Views: 388

Re: ROTH IRA Income Question

You need earned income. You can Google the IRS rules for this.
by LAlearning
Fri Jul 15, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Beginner question on taxable account
Replies: 5
Views: 395

Re: Beginner question on taxable account

If it's for retirement, then dont touch (except to tlh). Set aside dividends and use to rebalance.
by LAlearning
Thu Jul 14, 2016 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Roth v. tax deferred? A brief case study
Replies: 8
Views: 1010

Re: Roth v. tax deferred? A brief case study

what does your spreadsheet say?

your pension is not guarenteed given you need to make it another 30 years....but likely Roth space will be very worthwhile.

also consider years of lower income for conversions too.
by LAlearning
Thu Jul 14, 2016 10:54 pm
Forum: Investing - Theory, News & General
Topic: Options trading
Replies: 33
Views: 1895

Re: Options trading

so you lost money. and now you are seeing a sure way to make money.

:oops:
by LAlearning
Thu Jul 14, 2016 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: First time homebuyer - need guidance
Replies: 12
Views: 886

Re: First time homebuyer - need guidance

Non7WoodUser wrote:Recommend buying if and only if the price per sq ft < $100 OR the purchase price < 30% of your net worth.


lol, where do you live the midwest? so silly.
by LAlearning
Thu Jul 14, 2016 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting help with TIAA CREF allocation
Replies: 10
Views: 562

Re: Requesting help with TIAA CREF allocation

Your debt is the biggest problem. Then waddell, then the annuity, then tiaa. Why do you think TIAA annuity and TIAA are "problems?" I think TIAA Traditional is an excellent stable value fund and TIAA itself is very reputable. my assumption is "cash value NML" is an annuity. the ...
by LAlearning
Thu Jul 14, 2016 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Is My Plan Good?
Replies: 4
Views: 297

Re: Is My Plan Good?

why are you using a roth 401k?
by LAlearning
Thu Jul 14, 2016 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting help with TIAA CREF allocation
Replies: 10
Views: 562

Re: Requesting help with TIAA CREF allocation

Your debt is the biggest problem. Then waddell, then the annuity, then tiaa.
by LAlearning
Thu Jul 14, 2016 9:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Jack Brennan - Current Status
Replies: 5
Views: 1334

Re: Vanguard - Jack Brennan - Current Status

Why? Seems good for him.
by LAlearning
Thu Jul 14, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: 4% rule - Asset Allocation
Replies: 60
Views: 4662

Re: 4% rule - Asset Allocation

it was based off 50:50 s&p and corporates i believe....

https://www.bogleheads.org/wiki/Trinity ... allocation
by LAlearning
Wed Jul 13, 2016 6:12 pm
Forum: Personal Consumer Issues
Topic: Any foresters out there
Replies: 9
Views: 1916

Re: Any foresters out there

Thought this was about the cars...
by LAlearning
Wed Jul 13, 2016 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Intuit Quickbooks for Mac
Replies: 2
Views: 192

Re: Intuit Quickbooks for Mac

It's beta. Wait to see about final.
by LAlearning
Tue Jul 12, 2016 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for late starter(s)?
Replies: 8
Views: 1179

Re: Advice for late starter(s)?

Lol being in your 20s is not a late start ..
by LAlearning
Tue Jul 12, 2016 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Private vs State School?
Replies: 116
Views: 6188

Re: Private vs State School?

Majoring in history and you are going to spend ~250K or a quarter of a million? Yes, this was a mistake.
by LAlearning
Tue Jul 12, 2016 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: 14k gain in 3 days???
Replies: 36
Views: 4516

Re: 14k gain in 3 days???

I like all these humble brag posts...
by LAlearning
Tue Jul 12, 2016 12:03 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 140
Views: 12736

Re: Are you going to shop on Prime Day?

Yes.

Bought what I wanted.
by LAlearning
Sat Jul 09, 2016 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: wait for the drop?
Replies: 75
Views: 6509

Re: wait for the drop?

"But when I look at the market graph for the past 30 years, it seems even someone as financially unsavvy as myself can see it's going to drop and drop big before too long."

:oops:
by LAlearning
Fri Jul 08, 2016 10:17 pm
Forum: Investing - Theory, News & General
Topic: Is this Allocation ok
Replies: 9
Views: 596

Re: Is this Allocation ok

Don't include your EFund. It's not for retirement
by LAlearning
Fri Jul 08, 2016 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: What does "maxing out retirement savings" mean?
Replies: 19
Views: 2026

Re: What does "maxing out retirement savings" mean?

It means maxing. Maxing means the most.
by LAlearning
Tue Jul 05, 2016 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Fund tax question
Replies: 4
Views: 335

Re: Fund tax question

prob not. you should figure out CG, distributions, % taxable, and learn the tax code.
by LAlearning
Tue Jul 05, 2016 9:11 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Mortgage or invest
Replies: 6
Views: 662

Re: Pay off Mortgage or invest

Why the s&p?

Go to advanced search