Search found 1056 matches

by Novine
Sun Nov 27, 2016 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my investments?
Replies: 16
Views: 1494

Re: Thoughts on my investments?

With your educational background, you need to be in Charlotte or Raleigh-Durham areas. I'm sure the job prospects are 100 times better than where you are living now.
by Novine
Thu Nov 24, 2016 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Parent’s Case Study (come inside for a 2.57% exp ratio!) - Cancer
Replies: 9
Views: 2290

Re: Parent’s Case Study (come inside for a 2.57% exp ratio!) - Cancer

I would explore the tax implications of selling that all at once. Assuming they file as MFJ, if their AGI is $75,300 or less, there's no taxes on long term capital gains.
by Novine
Tue Nov 22, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Retirement - Ten key years + Summary
Replies: 68
Views: 14436

Re: Retirement - Ten key years + Summary

This would be a good Wiki topic.
by Novine
Mon Nov 21, 2016 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: If I won the game, how to play the next phase?
Replies: 27
Views: 4236

Re: If I won the game, how to play the next phase?

"What I'm saying is that historically, the worst times to retire early are right before a large recession/bear market. The 5% failure of the Trinity study focuses on those events." I would be more concerned with a portfolio that's overly exposed to equities if the market were to enter a si...
by Novine
Sun Nov 20, 2016 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 7682

Re: Do you track your net worth? How long have you done so?

We track our income, expenses, savings, debts, investments and retirement assets on a monthly basis. We don't track net worth per se but it's pretty straightforward for me to do since I can get a rough estimate of the value of our home on Zillow and deduct what we owe on the mortgage, the house bein...
by Novine
Sun Nov 20, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 457(b) Plan
Replies: 42
Views: 3067

Re: Help with 457(b) Plan

Most Americans aren't living on anything close to 6 figure retirement incomes . That doesn't mean you shouldn't try to save as much as your finances and life allows. But it also means that it's important to be realistic about what you can accomplish in the time you have until you retire. The last th...
by Novine
Sun Nov 20, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Whole life - 7 "pithy" questions to ask the salesman
Replies: 43
Views: 3742

Re: Whole life - 7 "pithy" questions to ask the salesman

Do they have any children? If not, I would question the idea that they need life insurance at all.
by Novine
Sat Nov 19, 2016 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: A few questions to build confidence going into managing on my own
Replies: 8
Views: 980

Re: A few questions to build confidence going into managing on my own

The general recommendation is to place your assets with the highest potential for appreciation into your Roth IRA as you won't have to pay taxes on the capital gains when you take distributions. Normally, those assets will be stocks, not bonds. You generally want to avoid placing bonds in taxable ac...
by Novine
Fri Nov 18, 2016 10:54 pm
Forum: Investing - Theory, News & General
Topic: Individual stocks that are sound w/ indexing
Replies: 84
Views: 5354

Re: Individual stocks that are sound w/ indexing

Why not S&P 500 Index? Vanguard's Total Stock Market fund has an annual fee associated with it which your stocks do not.
by Novine
Fri Nov 18, 2016 9:22 pm
Forum: Investing - Theory, News & General
Topic: Individual stocks that are sound w/ indexing
Replies: 84
Views: 5354

Re: Individual stocks that are sound w/ indexing

wearahat - which index are you using as your benchmark?
by Novine
Thu Nov 17, 2016 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Just Starting Out
Replies: 10
Views: 1068

Re: Just Starting Out

"How bad a time is it right now to drop $40,000 into stocks? I know you're not supposed to time to market, but it does feel inflated, no?" Well, you said you were 10 years behind so I guess the question back at you is "how much longer do you want to wait?" Or you can ask the peop...
by Novine
Thu Nov 17, 2016 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 6
Views: 780

Re: Please critique my portfolio

14 funds over 4 accounts? Sounds overly complicated especially when you appear to be duplicating them in different accounts. Also, for the ease of reading, most people want to know the percentage of a fund as it relates to your total portfolio, not the percentage within the account. Having both make...
by Novine
Thu Nov 17, 2016 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: starting "late" on retirement planning --- catch up time
Replies: 7
Views: 1025

Re: starting "late" on retirement planning --- catch up time

I don't you'll find anyone who thinks 5 - 10 years is long enough to implement an aggressive small cap tilt, especially one in the range of 90% small cap. Also, as you are a new investor, I think any aggressive portfolio has the potential for danger until you've been through a major market downturn....
by Novine
Thu Nov 17, 2016 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Newborn on an HSA plan
Replies: 9
Views: 706

Re: Newborn on an HSA plan

If her employer is fully funding the HSA, is that funded 100% at the beginning of the plan year? If not, this can become a cash flow issue if you have a significant medical event and don't have savings to cover the costs of that before getting reimbursed from the HSA. "Also, what does the "...
by Novine
Thu Nov 17, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: starting "late" on retirement planning --- catch up time
Replies: 7
Views: 1025

Re: starting "late" on retirement planning --- catch up time

As was recommended, get started at the White Coat Investor . Jim has organized the content so you can get started with content intended for "Beginners" and then move onto topics for "Advanced" and "Experts". If you read through all of the "Beginners" posts, yo...
by Novine
Thu Nov 17, 2016 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Investing $35k to defer $10k tax?
Replies: 12
Views: 1327

Re: Investing $35k to defer $10k tax?

The first question you need to answer is "does it make sense for me to invest $35,000 towards my retirement?" Only you can answer that question based on your current and future financial needs. Do you have any other financial needs now or in the future that those dollars would address? If ...
by Novine
Mon Nov 14, 2016 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Should I change the job?
Replies: 22
Views: 1710

Re: Should I change the job?

"Should I leave the company as it does not motivate engaged employees? Or am I really that typical millennial person with no patience? " If the company or manager doesn't value your work, start looking for one that will. The stereotype of the "millennial person with no patience" ...
by Novine
Mon Nov 14, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: gardening, soil amendment, composting
Replies: 33
Views: 2468

Re: gardening, soil amendment, composting

If it was me, I would avoid putting anything in the raised beds that's not fully composted or completely shredded like the leaves. From what I've read about chicken manure, it's great for vegetable gardens but the nitrogen levels in the pure version can kill existing plants, if you have anything ove...
by Novine
Mon Nov 14, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Help with 457(b) Plan
Replies: 42
Views: 3067

Re: Help with 457(b) Plan

What other retirement options do you get from the city? Normally, the 457 plan is supplemental to whatever the main retirement plan whether that's defined benefit or defined contribution.
by Novine
Sun Nov 13, 2016 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Infrastructure investments
Replies: 14
Views: 1253

Re: Infrastructure investments

The total stimulus package was less than $1 trillion and the total infrastructure spending was only around $100 billion. The largest chunks of stimulus "spending" went to tax cuts and credits. As iceport noted, I don't think the ARRA experience tells us much looking forward to the next rou...
by Novine
Sat Nov 12, 2016 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Infrastructure investments
Replies: 14
Views: 1253

Re: Infrastructure investments

Republicans in Congress opposed spending more on infrastructure when it was proposed by President Obama. Whether that was a political position or based on a true concern about deficit spending, who can say. The point is that I wouldn't assume that campaign promises of $500 billion in new infrastruct...
by Novine
Sat Nov 12, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: Cannot copy files to flash drive - says no space??
Replies: 7
Views: 520

Re: Cannot copy files to flash drive - says no space??

You can format a flash drive to use NTFS. Instructions here for those who need them.
by Novine
Fri Nov 11, 2016 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Strategy thoughts
Replies: 12
Views: 867

Re: Investment Strategy thoughts

" Transaction charges were important to me because investing weekly that can really eat into your investment." You're worried about transaction charges but you're buying funds that have ERs that are in some cases 10 times the amount of comparable funds and for that, you're getting performa...
by Novine
Fri Nov 11, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: HSA contribution limits with two separate plans
Replies: 15
Views: 820

Re: HSA contribution limits with two separate plans

Here's some articles that address your scenario and confirm what a couple of posters has stated.

Rules And Best Practices When Spouses Are Both HSA Eligible

Who Can Contribute?
by Novine
Wed Nov 09, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: 29 year old investor, looking for guidance
Replies: 6
Views: 792

Re: 29 year old investor, looking for guidance

Why not 3 funds? You're making life complicated by trying to allocate 7 funds across 4 accounts. A low 6 figure account doesn't need this level of complexity.
by Novine
Wed Nov 09, 2016 1:47 am
Forum: Personal Finance (Not Investing)
Topic: In escrow to buy, now not sure...
Replies: 17
Views: 2125

Re: In escrow to buy, now not sure...

If you truly plan on spending 20 years there, I don't see a reason to hold off.
by Novine
Wed Nov 09, 2016 12:48 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3274
Views: 784505

Re: U.S. stocks in freefall

"Unfortunately for me, i dont have enough knowledge to invest yet. What is a good investment i should make at the moment? Im eager to jump on something good and cheap right now." I would say now is a good time not to get eager if you admittedly don't have enough knowledge to invest. Best t...
by Novine
Wed Nov 09, 2016 12:46 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3274
Views: 784505

Re: U.S. stocks in freefall

"If prices are really (or ultimately) based on earnings, what's really changed with a surprise election result?" Market expectations relative to the economic policies of the different candidates. Not to get into politics but from some of the reports I've read, there are two very different ...
by Novine
Sat Nov 05, 2016 11:46 pm
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 10273

Re: Slipping last few days- time to buy now or wait until after 11/8?

"To hold off investing it all for a few days because we have the craziest election in our history along with what might happen with all the hacking and everything else going on is prudent in my opinion." How much are you holding off and what percentage of your total portfolio does it repre...
by Novine
Sat Nov 05, 2016 12:12 pm
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 10273

Re: Slipping last few days- time to buy now or wait until after 11/8?

"If it doesn't matter in the long run, why the resistance to paying front end commissions and loads?" Front-end commissions and loads diminish the amount you have to invest before you put a single dollar towards the investment. "If it doesn't matter in the long run, what's the problem...
by Novine
Sat Nov 05, 2016 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Now Married - Help Resetting Allocation and No Retirement Savings
Replies: 21
Views: 1759

Re: Now Married - Help Resetting Allocation and No Retirement Savings

Almost $100,000 saved for retirement at 30 is "behind"? I would bet that the OP is ahead of 95% of his peers in this regard. As long as he follows the advice shared so far, he should be fine.
by Novine
Sat Nov 05, 2016 4:09 am
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 10273

Re: Slipping last few days- time to buy now or wait until after 11/8?

And? If retirement is 20 or more years off, does the fact that you made or lost a little money based on the timing before or after the election going to matter in the long run? No, If retirement is around the corner, if you're worrying about the impact on your portfolio, you need to fix your AA.
by Novine
Thu Nov 03, 2016 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Simple HSA Question
Replies: 1
Views: 304

Re: Simple HSA Question

"Can my spouse also contribute an additional $1K catch up, and, does spouse's $1K need to be in their own HSA account and not mine?"

Yes and yes. See The Finance Buff for the details.
by Novine
Tue Nov 01, 2016 10:36 am
Forum: Investing - Help with Personal Investments
Topic: HDHP with HSA?
Replies: 15
Views: 1599

Re: HDHP with HSA?

If you are about to have a baby, I doubt now is the time to switch to a high deductible plan. But a lot depends on your personal situation. Moving to a high deductible plan implies that you have the financial resources necessary to cover all of your costs up to the deductible. Or you are willing to ...
by Novine
Fri Oct 28, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Where to start
Replies: 13
Views: 1398

Re: Where to start

1. Read "If You Can" by Bill Bernstein. It's only 16 pages long and when you're done, you'll have a good foundation for your future financial literacy. 2. Pay off the debt. The interest rate is high and the sooner you get rid of that debt, the sooner you can start saving for your future ev...
by Novine
Thu Oct 27, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 10024

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

"Pardon the cynicism but real personal charity is anonymous. For him, small price to pay for the PR. If he wants to brag, he should at least show the receipts." So when I donate towards a friend's cause and my name gets slapped on their little ticker showing who has donated, that's fake? I...
by Novine
Tue Oct 25, 2016 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: 457b plan for Illinois teachers
Replies: 10
Views: 628

Re: 457b plan for Illinois teachers

Governmental 457s have the least restrictive withdrawal provisions. That Investopedia article isn't accurate in that regard and the statement related to distributions at 70 1/2 don't even make sense.
by Novine
Tue Oct 25, 2016 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and New to Investing
Replies: 11
Views: 1156

Re: Windfall and New to Investing

How much do you plan to spend on the renovation?

Some of this should go towards starting up your retirement accounts. We need more details about your employment situation and potential retirement options.
by Novine
Tue Oct 25, 2016 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall and New to Investing
Replies: 11
Views: 1156

Re: Windfall and New to Investing

1. Don't assume future windfalls. Life happens and that money may not come to you. If it does, you can figure out the best approach at that time. 2. Do you have anything saved for retirement? Do you have any other investments? 3. This money doesn't need to be with someone actively managing it, espec...
by Novine
Sat Oct 22, 2016 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: New here/considering moving to Vanguard
Replies: 25
Views: 2373

Re: New here/considering moving to Vanguard

There are fans of American funds and some of them have done well. But that's past perfomance. There's no guarantee that they'll continue to outpace Vanguard's fund. You can't control performance. But you can control costs.
by Novine
Sat Oct 22, 2016 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: transfering portfolio
Replies: 8
Views: 537

Re: transfering portfolio

I second that. Get that money over to Vanguard and then you can figure out how it should be invested. I'm skeptical that it's actually 6% but even if it's "only" 1.5%, you're being robbed. Get the account transferred to Vanguard and then come back here with all of your retirement account i...
by Novine
Sat Oct 22, 2016 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 21099

Re: Need help. Drowning in debt and worried about the future and retirement

"Is it ok to contribute to a Roth some while making payments on the debt. Or is that stupid?" Some people would say "no, pay down the debts". Since you have nothing saved retirement-wise, I would say "yes, at least something". That would accomplish a few things. One, it...
by Novine
Fri Oct 14, 2016 9:59 am
Forum: Personal Finance (Not Investing)
Topic: House fully paid. Can I take a mortgage?
Replies: 13
Views: 1650

Re: House fully paid. Can I take a mortgage?

What's to refinance? The original loan is already paid off. I think the OP is looking for a HELOC.
by Novine
Fri Oct 14, 2016 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Should I refinance my mortgage?
Replies: 9
Views: 1075

Re: Should I refinance my mortgage?

1. How far are you into your current mortgage?
2. What's your current home value relative to your mortgage amount?
3. Would you be able to afford to refinance into a 15 year loan (possible down payment and higher loan payments)?
by Novine
Fri Oct 14, 2016 9:45 am
Forum: Investing - Help with Personal Investments
Topic: 457(b) portfolio question.
Replies: 11
Views: 715

Re: 457(b) portfolio question.

Some things to think about for the next 18 year period: 1. It sounds like you have a healthy pension waiting for you at 48. That said, New Jersey is one of those states with seriously underfunded pension systems. I don't know if your pension is funded locally or at the state level. I'm just highligh...
by Novine
Thu Oct 13, 2016 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) portfolio question.
Replies: 11
Views: 715

Re: 457(b) portfolio question.

Let me answer a few questions: 1. You can rollover your 457b into an IRA at retirement or separation but not before. However, you may not want to do that as you can access your 457b funds before 59 1/2 without paying an early 10% penalty. 2. The fees for your Vanguard fund in VALIC are high for Vang...
by Novine
Wed Oct 12, 2016 10:35 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio VS sp500
Replies: 22
Views: 2821

Re: Ray Dalio VS sp500

Why are you comparing it to the S&P 500 when the portfolio only consists of 30% equities? Also, how does backtesting help us determine future performance?
by Novine
Wed Oct 12, 2016 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: VALIC underpayment of dividends 2011-2013
Replies: 5
Views: 720

Re: VALIC underpayment of dividends 2011-2013

Which funds was she invested in with VALIC during that time period?

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