Search found 1073 matches

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: 1136

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: 48
Views: 3261

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: 575

Re: Jitters

:beer
by LAlearning
Thu Apr 28, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Car Buying Advice
Replies: 31
Views: 2484

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: 1010

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: 571

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: 571

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: 8696

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: 12
Views: 1168

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: 543

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: 1479

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: 2484

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: 610

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: 1033

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: 263

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: 2104

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: 427

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: 2008

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: 1565

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: 226

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: 3649

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: 3649

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: 3966

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: 183

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: 491

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: 183

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: 387

Re: Spousal traditional ira

do you both have access to a 401k (or work place retirement plan)?
by LAlearning
Mon Apr 18, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Made Roth IRA contribution today - not sure to be happy or sad
Replies: 6
Views: 782

Re: Made Roth IRA contribution today - not sure to be happy or sad

well, you should look at it more as a low income time to convert any old trad IRAs you have floating around so you can do Roth IRAs every year.....because thats why you havent done it right?
by LAlearning
Sun Apr 17, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: Quick Question - To Time or Not to Time
Replies: 14
Views: 1224

Re: Quick Question - To Time or Not to Time

What percent of your nest egg is 2800? I would be excited (not scared) to dump that in as it would move some decimals in my spreadsheet...
by LAlearning
Sun Apr 17, 2016 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: myRA Part Deux
Replies: 8
Views: 925

Re: myRA Part Deux

The limit remains 5500 spread across all IRAs. Not each.

For me, it just adds needless complexity without much payout. YMMV.
by LAlearning
Sun Apr 17, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: Stock picking services
Replies: 39
Views: 2282

Re: Stock picking services

boglerocks wrote:I make a lot of money from those picks.


That's great. Then what do you care of the opinion from anonymous index fund investors?
by LAlearning
Sun Apr 17, 2016 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Lending club 70k minimum gross income
Replies: 3
Views: 1404

Re: Lending club 70k minimum gross income

I don't know....what does their fine print say...
by LAlearning
Sun Apr 17, 2016 10:27 am
Forum: Investing - Theory, News & General
Topic: Stock picking services
Replies: 39
Views: 2282

Re: Stock picking services

You lost most ppl at hear me out....

What a waste of money
by LAlearning
Sun Apr 17, 2016 10:25 am
Forum: Investing - Help with Personal Investments
Topic: myRA Part Deux
Replies: 8
Views: 925

Re: myRA Part Deux

Also in the long run, 15k is not going to sway or buffer a portfolio enough to make it worth it.
by LAlearning
Sun Apr 17, 2016 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Spousal traditional ira
Replies: 5
Views: 387

Re: Spousal traditional ira

Usually it's nice to have a mix, and if you have a 401k you can make pretax then use a rIRA to compliment. Also depends on how much income you will make in the future so nice not to have any trad IRA floating around to do backdoor Roth.
by LAlearning
Sun Apr 17, 2016 8:14 am
Forum: Investing - Help with Personal Investments
Topic: roth versus traditional IRA this year
Replies: 5
Views: 664

Re: roth versus traditional IRA this year

Roth. You're going to need backdoor in future so no trad!
by LAlearning
Sun Apr 17, 2016 7:34 am
Forum: Personal Finance (Not Investing)
Topic: Medical School preparation Pointers for a Sophomore Student
Replies: 48
Views: 2939

Re: Medical School preparation Pointers for a Sophomore Student

Has she considered using her degree for what is was intended? That sounds a lot more interesting...
by LAlearning
Sat Apr 16, 2016 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Buy a house or Buy Stocks?
Replies: 8
Views: 1598

Re: Buy a house or Buy Stocks?

You mean put a down payment... Can't get anything in Sherman oaks for 200...

As stated, a home is not an investment first.
by LAlearning
Thu Apr 14, 2016 10:11 am
Forum: Investing - Theory, News & General
Topic: How much is too much for trading commissions?
Replies: 11
Views: 806

Re: How much is too much for trading commissions?

Anything that is not 0 is too much IMO...
by LAlearning
Wed Apr 13, 2016 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have any suggestions for tax free or tax managed income investment vehicle?
Replies: 10
Views: 1095

Re: Do you have any suggestions for tax free or tax managed income investment vehicle?

5 years? cash/short term bond/CDs.
15years: total stocks, munis (depending on brackets)

REITS are not tax efficient. MLPs and closed funds are generally just not good choices.
by LAlearning
Wed Apr 13, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: International Bonds (VTIBX) worthwhile at negative yields?
Replies: 2
Views: 316

Re: International Bonds (VTIBX) worthwhile at negative yields?

they are up 3.4% YTD, but only have TTM yield of 1.5% and 30 day SEC of 0.69% with a long duration. likely will not end well, but no one knows the future!!

fwiw i only have a small % given i use institutional vanguard TDF in one account. otherwise i would not add them to my own portfolio.
by LAlearning
Tue Apr 12, 2016 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 5K tax refund
Replies: 13
Views: 908

Re: Investing 5K tax refund

more importantly, change your withholding to not get a refund like this again.
by LAlearning
Tue Apr 12, 2016 10:45 am
Forum: Investing - Help with Personal Investments
Topic: New Job - TiAA-CREF and/or Fidelity options, Please help!
Replies: 19
Views: 783

Re: New Job - TiAA-CREF and/or Fidelity options, Please help!

I vote Fidelity. The options are cheaper, you have access to TIAA 3% Traditional[?? maybe] (or only 1%). The Real Estate fund is kind of cool and unique, but way to expensive IMO. In the end, they are not terrible options to have to choose between though which is nice. edit: i guess theres no info t...
by LAlearning
Sun Apr 10, 2016 7:26 pm
Forum: Investing - Theory, News & General
Topic: Brag about reduced expenses
Replies: 11
Views: 2095

Re: Brag about reduced expenses

Just updated someone's portfolio and cut there ER almost in half.
by LAlearning
Sun Apr 10, 2016 5:04 pm
Forum: Personal Consumer Issues
Topic: Free old BMW worth it?
Replies: 44
Views: 4381

Re: Free old BMW worth it?

flip it?

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