Search found 3416 matches

by Lafder
Fri Apr 21, 2017 8:10 am
Forum: Investing - Help with Personal Investments
Topic: How to Track Previous Portfolio Performance in Keeping Pace with the Market
Replies: 6
Views: 521

Re: How to Track Previous Portfolio Performance in Keeping Pace with the Market

lizzy10, Welcome here! I suggest you look for the fees you are paying on your accounts and holdings. They are going to drag down performance quite a bit and are a better measure of the expense you will be paying on your current holdings regardless of market performance. Consider posting all of your ...
by Lafder
Mon Apr 10, 2017 9:11 am
Forum: Investing - Help with Personal Investments
Topic: living trust vs will books
Replies: 4
Views: 498

Re: living trust vs will books

To be clear, it is not a trust vs a will. If you do a trust you also do a will. Though a much simpler will than if no trust. You can do a will without a trust. The estate attorney we saw also seemed to say that we did not need to think about a trust unless we had more assets than we did. And the wil...
by Lafder
Mon Apr 03, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Using inheritance money to pay down mortgage
Replies: 15
Views: 1091

Re: Using inheritance money to pay down mortgage

I would pay down the mortgage and hope to have the remaining balance paid off by retirement. If you invest in the market and the next big market drop is between now and retirement, I think you will feel bad. If you pay off 250k in mortgage balance, you reduce your debt by 250k no matter what the mar...
by Lafder
Sun Apr 02, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help here: 401K to Roth 401K Conversion
Replies: 7
Views: 620

Re: Help here: 401K to Roth 401K Conversion

The max contribution for Roth and non Roth 401k is 18k (24k if 50 or over). Using the 401k Roth option uses up your pretax space. If you can afford it, max the pretax 401k. Then do a regular Roth, or back door Roth if your income is too high for a regular Roth. The max for such a Roth is 5500$/year,...
by Lafder
Thu Mar 30, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: House buying- How to think about property taxes?
Replies: 39
Views: 3225

Re: House buying- How to think about property taxes?

Where I live, the current property taxes can have no relation to the taxes a new owner will pay since the property taxes end up being based on sales price. The existing taxes may be based on outdated appraisals especially if the home has not been sold for a long time. So be careful about whether you...
by Lafder
Wed Mar 22, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Purchasing a 2017 Hyundai Sonata Sport 2.0T
Replies: 16
Views: 1272

Re: Purchasing a 2017 Hyundai Sonata Sport 2.0T

We have a 2011 Sonata Hybrid we bought new and have been happy with it. There is a new seatbelt recall on our model which is unsettling. But we seem to get notice of recalls and they have been mostly minor. I have been impressed with the dealership, service, coverage. It is not the most solid car I ...
by Lafder
Wed Mar 22, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: What instrument to keep emergency fund in?
Replies: 16
Views: 858

Re: What instrument to keep emergency fund in?

Plain old almost no interest bearing checking account for me.

If you are concerned it is too little interest, consider a smaller emergency fund and put more into taxable investments.

Lafder
by Lafder
Tue Mar 21, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Plans in a New Small Business
Replies: 6
Views: 410

Re: Retirement Plans in a New Small Business

I would look at Fidelity for a solo401k. They allow you to roll in other retirement accounts, which Vanguard does not allow. So there is the option to consolidate accounts more easily in the future. They also have lower ERs for their solo401k options than Vanguard does.

lafder
by Lafder
Sat Mar 18, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Sale of home that was also rental - tax question
Replies: 8
Views: 534

Re: Sale of home that was also rental - tax question

When did you move out of the home and when was it rented?
lafder
by Lafder
Sat Mar 18, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisory Service
Replies: 6
Views: 704

Re: Vanguard Advisory Service

I would not sign up the PAS. That is an ongoing management fee. Vanguard can help you simplify your holdings without paying them the ongoing management fee. If you need more help than they can give you, come here for folks to talk you through it all :) On the other hand, if a 0.3% ongoing annual fee...
by Lafder
Sat Mar 18, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Advice on bulk investment in S&P 500 for retirement savings growth?
Replies: 13
Views: 903

Re: Advice on bulk investment in S&P 500 for retirement savings growth?

I suggest a minimum of 20% bonds so that it helps buffer stock market drops a bit, and gives you room to rebalance from during market crashes. There are suggestions as high as age in bonds. If you really think you can invest in 100% stocks, an SP 500 or total stock market index would be my first cho...
by Lafder
Wed Mar 08, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Help with inheritance fund investments
Replies: 6
Views: 534

Re: Help with inheritance fund investments

Overall it looks fine. As the individual mutual funds it may need rebalancing from time to time. My only thought is that if you want to keep it even simpler you could use an all in one fund so that if your son inherits it some day he would not need to do any rebalancing and could just pull money fro...
by Lafder
Wed Mar 08, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: No 1099-R from Fidelity
Replies: 6
Views: 436

Re: No 1099-R from Fidelity

Are you sure the 1099R was not on the Vanguard side? I did the opposite transaction of moving a SEP from Vanguard to Fidelity and I seem to recall the 1099R was from Fidelity. Though in your case if Fidelity found it, it must be correct it was supposed to be from them? I also had the frustration of ...
by Lafder
Wed Mar 08, 2017 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Trying to help a friend. Taxable account
Replies: 7
Views: 573

Re: Trying to help a friend. Taxable account

Is this all a taxable account? Is your friend paying the 0.3% Personal Advisory Services fee? Or just got a rec when moving the money to VG? If paying for advisory services they will make suggestions along the way. This seems a typical suggestion following their all in one funds. Another way to writ...
by Lafder
Wed Mar 08, 2017 12:04 am
Forum: Investing - Help with Personal Investments
Topic: New investor with an inherited IRA and income on the rise...help me out!
Replies: 28
Views: 1882

Re: New investor with an inherited IRA and income on the rise...help me out!

I am so sorry for your loss! I can not imagine how hard this has been. I believe in a minimum of 20% bonds. They buffer drops more than they slow down gains. If 100% stock always won over time it would be more clear to go with that. The ups and downs of the market are unpredictable. Having 20% bonds...
by Lafder
Tue Mar 07, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: SEP-IRA to 401k for backdoor Roth
Replies: 7
Views: 331

Re: SEP-IRA to 401k for backdoor Roth

When I made the same switch from a SEP to a solo401k, it was also my understanding that you can make a contribution to a SEP or a 401k for any tax year but not both. But a traditional IRA is different than either. In my case, I opened the solo401k and started making solo401k 2016 contributions in ea...
by Lafder
Sun Mar 05, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Making sure I don't screw up Mega Backdoor Roth
Replies: 19
Views: 1684

Re: Making sure I don't screw up Mega Backdoor Roth

I am a little confused about what your "after tax savings account" that you plan to roll the money from is. Is it "post tax 401k" holdings ?? Each employer is allowed to make rules on how often you can do an in service roll over. My husband's only allows 4 transactions a year. So...
by Lafder
Sun Mar 05, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: review of investments please
Replies: 7
Views: 647

Re: review of investments please

Nitpicky detail : go back and edit your % so they add up to 100% for all holdings besides emergency fund :) This will really help you see how small some holdings are and calculate AA for rebalancing. Our AA was 80/20, 30% International until our late 40's. My comment to that is that Vanguard has rai...
by Lafder
Sat Mar 04, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Underestimated Lease Mileage - Options
Replies: 2
Views: 401

Re: Underestimated Lease Mileage - Options

Since you signed a 3 year lease, why don't you wait to worry til more months have gone by, or even years, and you get a better sense of your average annual mileage. Anecdotally, my friend turned in a leased vehicle that was over the agreed mileage last year and they did not charge extra. Somehow she...
by Lafder
Sat Mar 04, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 5303

Re: Windfall: should we pay cash for ~$1.3M home?

I am sorry for your loss! I would be tempted to go ahead and buy a house cash :) Then invest what would have been the mortgage payments each month. But, I still have a mortgage and that biases my opinion. As far as which will be the "better" investment, that depends on the big unknown of t...
by Lafder
Mon Feb 27, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Real estate vs debt payments
Replies: 34
Views: 2341

Re: Real estate vs debt payments

I would buy it :) You can either have a bigger lot forever or when you sell your existing home on a bigger lot, sell the lot down the road, build a dream home on the lot some day and sell your existing home? With the amount you are putting to savings and debt each month you can afford to buy the lot...
by Lafder
Mon Feb 27, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: $125K to play with...but late to the party
Replies: 6
Views: 1386

Re: $125K to play with...but late to the party

Captain Oveur, For a more detailed answer specific to your circumstances and taking a look at all of your holdings, take the time to post everything you have like this https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 That way we can see how this 125k fits into your big picture. As state...
by Lafder
Mon Feb 27, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Starting off with the three fund portfolio
Replies: 4
Views: 449

Re: Starting off with the three fund portfolio

Are you sure you want the complexity of ETFs versus 3 fund mutual funds? I find the orders to buy and sell mutual funds are much easier than ETFs. The fees for ETFs at Vanguard I believe are the same cost as Admiral shares 3 fund equivalents. Some people do prefer ETFs and you may be one of them :) ...
by Lafder
Sun Feb 26, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Schwab vs Zacks? Any experiences?
Replies: 47
Views: 2629

Re: Vanguard vs Schwab vs Zacks? Any experiences?

Have you considered an all in one fund such as Vanguard's Target date retirement funds, Life Strategy Funds, Tax managed funds ? There are many options for invest and forget funds that rebalance for you without paying extra fees. Folks here can talk you through rebalancing and tax loss harvesting if...
by Lafder
Sun Feb 26, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Open new SEP-IRA other than established one?
Replies: 5
Views: 336

Re: Open new SEP-IRA other than established one?

How are you paid by the practice?

lafder
by Lafder
Sun Feb 26, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: House as Temporary Pseudo-Proxy for Bonds
Replies: 37
Views: 1682

Re: House as Temporary Pseudo-Proxy for Bonds

Bonds help buffer drops in your investment portfolio more than they drag down gains. A 50% drop in a stock portfolio requires a 100% gain to get back to where it started. I think of bonds as the tortoise in the race, and stocks are the hare. Who wins depends on where you measure. Your home is part o...
by Lafder
Tue Feb 21, 2017 9:55 am
Forum: Personal Consumer Issues
Topic: Anyone have a house keeper ("Mommy's" helper)?
Replies: 23
Views: 2454

Re: Anyone have a house keeper ("Mommy's" helper)?

Since you already have a housekeeper every 2 weeks, I would consider having them come in every week and add laundry to their task. Rather than a second person in the home. I have an every other week housekeeper myself. We do our own laundry, but she does bedding (washes and changes sheets) and towel...
by Lafder
Tue Feb 21, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Splitting FI between Total Bond and Short-Term?
Replies: 11
Views: 989

Re: Splitting FI between Total Bond and Short-Term?

I keep it simple and use only a total bond index.
lafder
by Lafder
Mon Feb 20, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6985

Re: Which puppy to buy: golden retriever or labrador retriever?

Standard poodles are also retrieving dogs and have gentle mouths and do not shed! They come in a rainbow of colors and can have a "normal" haircut so they do not look froofy :) The y can be very intelligent and loving and are less over bred than labs or goldens in my opinion. I like the wa...
by Lafder
Mon Feb 20, 2017 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-law Financial Problems
Replies: 20
Views: 2472

Re: Mother-in-law Financial Problems

Do NOT pay off her credit card. The best thing that can happen is that she gets bad credit so she can not take out more credit cards! A closed credit card with good credit = easy to get a new card. Personally I would be more ok helping with food expenses or getting help to care for her mom. She need...
by Lafder
Sun Feb 19, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: capital gains on sale of home
Replies: 6
Views: 577

Re: capital gains on sale of home

Don't forget that if you have done any major improvements in the time that you have lived there, it would count towards your cost basis. Not routine upkeep, but improvements or remodel expenses.

lafder
by Lafder
Sat Feb 18, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Help with Inherited IRA
Replies: 23
Views: 1057

Re: Help with Inherited IRA

A transfer "in kind" should not incur a "trade" fee since no shares are being sold or bought. The "paperwork" of ownership is simply be transferred to the new fiduciary of VG.

lafder
by Lafder
Tue Feb 14, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Kids in Apartment Sharing Bedroom - Workable?
Replies: 55
Views: 3622

Re: Kids in Apartment Sharing Bedroom - Workable?

My son and daughter shared a room til they were 5 and 7, or was it 6 and 8? It made reading to both of them at bedtime easier. They were glad to have their own rooms, but they weren't even asking for it. We all shared one room til they were 3 and 5 :) It was a big room and we had 3 beds in it, but t...
by Lafder
Mon Feb 13, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Confused on Roth 401k
Replies: 4
Views: 459

Re: Confused on Roth 401k

Age 51 401k max:

24k pre tax plus catch up plus Roth 401k max employee contribution.

59k max of employer and employee pre and post tax, matching, catch up, Roth and regular 401k

Roth 401k is different than post tax 401k.

lafder
by Lafder
Sat Feb 11, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Terrible negotiator - need help with words to use [Buying a car]
Replies: 94
Views: 6633

Re: Terrible negotiator - need help with words to use [Buying a car]

I am not sure where you are located. I tried to negotiate by email for the exact car I wanted. Only 2 dealerships replied with all of the info I needed of a specific price for a specific VIN. Multiple others were vague. ((YES WE FOUND THE SAME PLACE and my personal experience was good)) Try emailing...
by Lafder
Sat Feb 11, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: After Roth, is the only investing option in a taxable account?
Replies: 17
Views: 1552

Re: After Roth, is the only investing option in a taxable account?

Paying down debt including mortgage is another way to "invest" :)
lafder
by Lafder
Mon Feb 06, 2017 10:23 am
Forum: Personal Finance (Not Investing)
Topic: In-Laws Estate Planning - Wisdom Wanted
Replies: 50
Views: 2299

Re: In-Laws Estate Planning - Wisdom Wanted

By any chance is your spouse the daughter and the siblings are sons? I have seen unfair property divisions with the old school belief of passing land down to the sons. Basically there is nothing you can do! Especially if you have already brought it up. The parents are dividing their holdings as they...
by Lafder
Mon Feb 06, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Does the Expense Ratio only apply at time of purchase?
Replies: 13
Views: 1471

Re: Does the Expense Ratio only apply at time of purchase?

I figured if someone was not aware of how expense ratios work, they might be confused about front or back loads or mixing them up. There are many ways that fees are charged :) Luckily VG funds do not have front or back loads. But you can still buy some funds through VG that do. Once you hit 10k, Van...
by Lafder
Sun Feb 05, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Does the Expense Ratio only apply at time of purchase?
Replies: 13
Views: 1471

Re: Does the Expense Ratio only apply at time of purchase?

To be clear, some funds have a "front load fee" that is taken out at the time of the purchase. And some funds have a "backload fee" at the time of sale. Those are in addition to the expense ratios. If there is a management fee, that is in addition to the other fees mentioned abov...
by Lafder
Sun Feb 05, 2017 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Late start, now nearing 40. What else can I do?
Replies: 14
Views: 2799

Re: Late start, now nearing 40. What else can I do?

Great job adding details. But....go ahead and edit your % of holdings to total 100% not including emergency fund for all of your holdings, not per account. This will help you see how small some accounts are, and help you add up categories for calculating asset allocation :) I prefer a minimum of 20%...
by Lafder
Sun Feb 05, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: get rid of landline but keep access to 911
Replies: 38
Views: 3428

Re: get rid of landline but keep access to 911

Cell phones keep an address on file for 911 calls. That is much more accurate than their ability to locate an actual cell phone. Be sure to update yours if you move. CAll your cell phone company and ask how 911 works from your phones. If one keeps a landline for 911 in emergencies, it has to be an o...
by Lafder
Sat Feb 04, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Starting roth - 65%stock/35%bonds too conservative @ 28years old?
Replies: 14
Views: 1491

Re: Starting roth - 65%stock/35%bonds too conservative @ 28years old?

It is a bit conservative,yes ! There is a general rec for age in bonds down to age - 20. So even 70/30 would be conservative! We are average age 50, and are at 65/35. I think at age 28, I would consider 70/30 or in actual experience, we were at 80/20 at that age. That being said, the difference betw...
by Lafder
Sat Feb 04, 2017 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for a temporary change in AA
Replies: 14
Views: 804

Re: Looking for a temporary change in AA

In general I rec a minimum of 20% of your holdings be in bonds. So at 100% TSM it would make me nervous. I think considering a different AA is reasonable. BUT, going to 50/50 is rather an extreme change. There is a rec for age in bonds down to age -20. A "conservative" portfolio at age 28 ...
by Lafder
Sat Feb 04, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Career advice please: early 30's tech employee, new mom, confused
Replies: 36
Views: 3978

Re: Career advice please: early 30's tech employee, new mom, confused

It really is not a binary choice of home full time or work full time. There are plenty of ways to work part time! Part time at the job/company you know is probably an easier transition than a new company. I have worked "part" time since my kids were born and have tried many variations from...
by Lafder
Sat Feb 04, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Creating sep and then transferring to tIRA
Replies: 16
Views: 772

Re: Creating sep and then transferring to tIRA

If you are eligible for a SEP you may be eligible for a solo401k. The advantage to a solo401k is that the pretax contribution limits are higher for the same income since you can contribute as employer and employee! Fidelity allows you to roll other retirement accounts into a solo401k. Vanguard does ...
by Lafder
Sat Feb 04, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Late start, now nearing 40. What else can I do?
Replies: 14
Views: 2799

Re: Late start, now nearing 40. What else can I do?

Welcome here!

A mega back door Roth is a great idea if you can max it, I would! Once money is in a Roth you never pay tax on it again.

Go ahead and take the time to list your specific holdings and ERs. It just might help to write it all out and have fresh eyes take a look at it!

lafder
by Lafder
Sat Feb 04, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Home Purchase downpayment sourcing
Replies: 14
Views: 1273

Re: Home Purchase downpayment sourcing

Do not pull money from retirement accounts unless it is really a drastic situation. Pull the money from other sources or you do not have enough. A home down payment can be delayed til you have the funds. But, you actually do have the funds in non retirement accounts.
lafder
by Lafder
Sat Feb 04, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: What fund would you add in this record-high market?
Replies: 17
Views: 2603

Re: What fund would you add in this record-high market?

Is this taxable or retirement accounts? Consider posting everything you have like this for more specific info. You can go back and add it to your post above :) https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Your overall AA is probably more important than which of these bond funds you ...
by Lafder
Wed Feb 01, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Sisters portfolio
Replies: 6
Views: 870

Re: Sisters portfolio

The portfolio is much more complicated than it needs to be. Instead of holding multiple bond funds, just total bond market should be fine in retirement accounts. I am assuming there is an attraction to Wellington which is intended to be an all in one 66% stocks/34% bond/short term holdings. It is 98...
by Lafder
Tue Jan 31, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice for 50yr horizon with $3M
Replies: 11
Views: 1653

Re: Portfolio Advice for 50yr horizon with $3M

I would consider holding several year's expenses as cash (?CDs) to minimize the pain of a market correction shortly after investing. Another way to minimize the pain of a big drop of a market correction is to invest, with a higher % bonds. If I had 3 million cash, hypothetically speaking since we ar...

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