Search found 66 matches

by RDHlooking4FIRE
Wed Dec 13, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Office party secret santa, how to give the gift of investing?
Replies: 17
Views: 742

Re: Office party secret santa, how to give the gift of investing?

whiteprius wrote:
Wed Dec 13, 2017 12:15 pm
Does your company have a maximum gift amount? WHere I worked it was generally $20 or so.
No
by RDHlooking4FIRE
Wed Dec 13, 2017 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Office party secret santa, how to give the gift of investing?
Replies: 17
Views: 742

Office party secret santa, how to give the gift of investing?

How can you get somebody a share of a stock if they don't have a brokerage account? Other ways to give the gift of investing?
by RDHlooking4FIRE
Sun Nov 12, 2017 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15230

Re: Why pay cash for a car?

I can understand paying off a mortgage, because rates are higher than car loans. And you wouldnt take a new loan out to invest in the market now. I am saving cash for my next car purchse. But why? Car loans are cheap. My current car is paid off and i like being debt free. Is that the best method? F...
by RDHlooking4FIRE
Sun Nov 12, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15230

Re: Why pay cash for a car?

bgf wrote:
Sun Nov 12, 2017 6:14 pm
can you get rates that low on used cars?
I dont think so.

So your point is look for rebates and pay cash?
by RDHlooking4FIRE
Sun Nov 12, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15230

Re: Why pay cash for a car?

The prevailing wisdom is that by financing you will buy more car than you should. If you will truly get the same exact car, financing may not be a bad idea. I got a 2017 base honda fit and am paying 0.9% for 5 years. Made no sense to pay that in cash, and it didn't influence my decision. Poll: do m...
by RDHlooking4FIRE
Sun Nov 12, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15230

Re: Why pay cash for a car?

Before i paid off my car the interest rate was 1%. My online savings account is earning 1.3%.

I do really like being debt free though. But am i missing out on cheap money?
by RDHlooking4FIRE
Sun Nov 12, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15230

Why pay cash for a car?

I can understand paying off a mortgage, because rates are higher than car loans. And you wouldnt take a new loan out to invest in the market now.

I am saving cash for my next car purchse. But why? Car loans are cheap. My current car is paid off and i like being debt free. Is that the best method?
by RDHlooking4FIRE
Sun Nov 12, 2017 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: What Credit Card is good for me?
Replies: 19
Views: 1361

Re: What Credit Card is good for me?

I use citi double cash for most things - 2% back

And amex for groceries and gas - 6% back.
by RDHlooking4FIRE
Sun Nov 12, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Are HSA bank fees worth it with small balance accounts?
Replies: 0
Views: 216

Are HSA bank fees worth it with small balance accounts?

First of all do I have to maintain a total balance of $5000 or do I have to maintain a not invested $5000 balance to avoid fees?

Any good way to avoid fees at hsa bank? What is your hsa method to get lowest fees?
by RDHlooking4FIRE
Fri Nov 10, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: $23k credit card emergency
Replies: 76
Views: 8363

Re: $23k credit card emergency

+1 dave ramsey debt snow ball.

I went from $50k debt to $50k net worth in 3.5 years. Difference if 100k. Making only $60k/yr.

Debt was $20k car, $20k student loan, 10k cc. Now debt debt free and loving it.
by RDHlooking4FIRE
Thu Nov 09, 2017 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: How old are you and what size is your portfolio?
Replies: 33
Views: 4241

Re: How old are you and what size is your portfolio?

Wow Iv seen people post much more information about themselves then just the size of the portfolio . Like much much more.

I mean its common place on this forum to post all accont balances and holdings etc.
by RDHlooking4FIRE
Tue Nov 07, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13191

Re: How old are you and how much do you save for retirement a year

It's funny. Talking to people at work I feel like I'm the only one in the world saving for retirement. Reading on here I feel like I am not doing nearly enough.
by RDHlooking4FIRE
Tue Nov 07, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13191

How old are you and how much do you save for retirement a year

I am 34 years old and I currently save $12000 a year for retirement
by RDHlooking4FIRE
Tue Nov 07, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Other investing web sites you love
Replies: 2
Views: 671

Other investing web sites you love

I wish i found this site sooner. Happy i am here now. What are some other sites you love and have learned from?
by RDHlooking4FIRE
Tue Nov 07, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: When did you start investing in taxable accounts?
Replies: 23
Views: 2620

Re: When did you start investing in taxable accounts?

I don't have option for 401k so i use taxable as soon as ira and hsa are maxed.
by RDHlooking4FIRE
Tue Nov 07, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing HSA wrong?
Replies: 12
Views: 1282

Re: Am I doing HSA wrong?

The hr guy said writing it off on your taxes is the same amount as if they did it pre tax? Is that correct? What benifit am i missing out on if i have to contribute after taxes?
by RDHlooking4FIRE
Tue Nov 07, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing HSA wrong?
Replies: 12
Views: 1282

Re: Am I doing HSA wrong?

Just talked to HR they said they can not deduct from my check. He recommended increasing my exemptions? And taking it as write off at end of year. Is that a good option?
by RDHlooking4FIRE
Tue Nov 07, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Am I doing HSA wrong?
Replies: 12
Views: 1282

Am I doing HSA wrong?

I put my after tax money in my HSA. Like out of my bank account. Are you supose to ask your employer to deduct pretaxed money from your paycheck? How do you do this?

I dont think my employer offers any match. I use hsa bank.
by RDHlooking4FIRE
Tue Oct 24, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: How to become a financial coach?
Replies: 1
Views: 478

How to become a financial coach?

Im not looking to give investment advice, just help people get out of debt or get started with setting up retirment accounts. Where can i find jobs like that. Maybe part time? Maybe from home. I have heard a little about money managment international, are they a good company to work for? Other optio...
by RDHlooking4FIRE
Wed Oct 04, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: How many money accounts do you have? And how do you Keep track of them?
Replies: 28
Views: 2644

Re: How many accounts do you have?

Well I mean money accounts. Not like netflix and stuff.

And how do you manage all of your money accounts? I use mint. com.
by RDHlooking4FIRE
Wed Oct 04, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: How many money accounts do you have? And how do you Keep track of them?
Replies: 28
Views: 2644

How many money accounts do you have? And how do you Keep track of them?

I have.... - online savings -Checking -Roth I R A -Taxable investment account -Emergency fund (also a taxable investment acc) -H S A -2 credit cards (used for rewards) I feel like that is a lot. Too many passwords to remember. 401k not offered. Am I missing anything? Also should I max IRA first or H...
by RDHlooking4FIRE
Mon Oct 02, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Careers in finance
Replies: 3
Views: 771

Careers in finance

I have met with several financial advisors and did not have a good experience. Like many of you I prefer the do it yourself method. I like finance and I would like to help others get out of debt and learn how to invest. I am looking for second career idea. Any suggestions? Are there financial coache...
by RDHlooking4FIRE
Mon Oct 02, 2017 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6616

Re: Are credit cards rewards worth it?

With Penfed how many points equals a dollar?
by RDHlooking4FIRE
Mon Oct 02, 2017 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6616

Re: Are credit cards rewards worth it?

Thanks for the info good advice
by RDHlooking4FIRE
Mon Oct 02, 2017 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6616

Re: Are credit cards rewards worth it?

I use credit rewards cards. We usually earn about $2500/year, but the past 12 months I think we are on track for $3000. Amex Blue Preferred - Groceries Amazon Prime Store Card - 5% on Amazon PenFed for gasoline Fidelity 2% Visa and Citi Double Cash 2%- everything else I think it is worth it. We hav...
by RDHlooking4FIRE
Mon Oct 02, 2017 6:57 am
Forum: Investing - Help with Personal Investments
Topic: Are credit cards rewards worth it?
Replies: 103
Views: 6616

Are credit cards rewards worth it?

I charge everything on my credit card for the 2% cash back (citi double cash). I also like seeing how much I spent each month. I PAY MY BALANCE IN FULL EVERY MONTH. But I hate seeing that I owe. Id rather use my debt card. Is the 2% cash back worth it. Do you use debt or credit and if credit what re...
by RDHlooking4FIRE
Mon Sep 11, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: PurePoint Savings 1.30% Reviews
Replies: 2
Views: 389

PurePoint Savings 1.30% Reviews

I am looking for reviews on PurePoint savings account. They are offering 1.3% on balances over $10,000. I currently have synchrony at 1.2%. I know its not much of a difference but I have had some minor issues with synchrony linking up to mint.com. Let me know what your expierence has been with PureP...
by RDHlooking4FIRE
Wed Apr 05, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity total stock market fund (FSTVX) tax efficient
Replies: 22
Views: 3011

Re: Is Fidelity total stock market fund (FSTVX) tax efficient

baw703916 wrote:Is there a reason not to buy the Vanguard TSM ETF (VTI) or Admiral Shares (VTSAX)?
just because I have a fidelity account and I think I would have to pay extra to get vanguard funds.
by RDHlooking4FIRE
Wed Apr 05, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity total stock market fund (FSTVX) tax efficient
Replies: 22
Views: 3011

Re: Mutual Funds or ETFs?

RDH: I posted an article today that listed the reasons: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=215709&newpost=3314214 Best wishes. Taylor Oh thanks good post. What if I held FSTVX in Roth and ITOT in taxable does that still "count" towards the 3 fund portfolio. Meaning does it have A...
by RDHlooking4FIRE
Wed Apr 05, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity total stock market fund (FSTVX) tax efficient
Replies: 22
Views: 3011

Re: Is Fidelity total stock market fund (FSTVX) tax efficient

Is Fidelity total stock market fund (FSTVX) tax efficient, specifically compared to IVW (iShares S&P 500 Growth Index etf) RDH: Both funds are very tax-efficient. FSTVXs 10-year after-tax return is in the top 11% of its category. I would not select a fund or ETF solely on its past tax-efficiency. O...
by RDHlooking4FIRE
Wed Apr 05, 2017 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity total stock market fund (FSTVX) tax efficient
Replies: 22
Views: 3011

Re: Is Fidelity total stock market fund (FSTVX) tax efficient

How can you determine if a fund is tax efficient? The tax burden of holding a fund is determined by its distributions. For a stock fund, that's dividends from the underlying holdings and then any capital gains distributions from internal fund management. If a fund has to sell appreciated shares, th...
by RDHlooking4FIRE
Wed Apr 05, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity total stock market fund (FSTVX) tax efficient
Replies: 22
Views: 3011

Re: Is Fidelity total stock market fund (FSTVX) tax efficient

[quote="lack_ey] Virtually identical to the Fidelity fund in holdings but closer to the iShares ETF in tax efficiency (not having capital gains distributions) would be iShares Core S&P Total U.S. Stock Market (ITOT).[/quote] Oh good idea, I hadn't thought about that. Thank you. How can you determine...
by RDHlooking4FIRE
Wed Apr 05, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is Fidelity total stock market fund (FSTVX) tax efficient
Replies: 22
Views: 3011

Is Fidelity total stock market fund (FSTVX) tax efficient

Is Fidelity total stock market fund (FSTVX) tax efficient, specifically compared to IVW (iShares S&P 500 Growth Index etf) I am working my way into the 3 fund portfolio model. Currently I have 10k in my ROTH IRA in FSTVX. I also have a taxable account with 10K in IVW (with $200 in unrealized capital...
by RDHlooking4FIRE
Wed Apr 05, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: best place to keep $20k for 2 years
Replies: 20
Views: 2705

Re: best place to keep $20k for 2 years

For 2 years I think I would just keep the cash in a high yield savings account or CD so it is not exposed to risk. But the interests rates are still very low, not enough for me to want to sell my car.
by RDHlooking4FIRE
Tue Mar 21, 2017 11:36 am
Forum: Investing - Help with Personal Investments
Topic: How to compare these? (Savings Acc to bonds)
Replies: 2
Views: 278

How to compare these? (Savings Acc to bonds)

How do you compare a savings account making 1.05% to a bond fund like AGG or FSITX for savings.

AGG: Distribution Yield (TTM) 2.37%

Not sure how much FSITX yields?

How much of that is lost to taxes? and is a saving account taxed?

(I think I am in the 25% tax bracket)
by RDHlooking4FIRE
Mon Mar 20, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: What Fidelity funds do you use in your 3 fund portfolio?
Replies: 17
Views: 2936

Re: What Fidelity funds do you use in your 3 fund portfolio?

Jack FFR1846 wrote:I would put everything into FSTVX Total Stock Market Premium Class.

When your total portfolio reaches $100k, expand to bond and international.
I like this idea. I can't afford premium shares if i use all 3 funds now.
by RDHlooking4FIRE
Mon Mar 20, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: What Fidelity funds do you use in your 3 fund portfolio?
Replies: 17
Views: 2936

Re: What Fidelity funds do you use in your 3 fund portfolio?

https://www.bogleheads.org/wiki/Fidelity Rebalance within your tax-advantaged plans. View all of your investments as a single portfolio. Whether you tax effect for TIRA or Trad 401(k) balances is your choice. Thanks for the info. What is "tax effect for TIRA or Trad 401(k)" I have a ROTH and a taxa...
by RDHlooking4FIRE
Mon Mar 20, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: What Fidelity funds do you use in your 3 fund portfolio?
Replies: 17
Views: 2936

What Fidelity funds do you use in your 3 fund portfolio?

What Fidelity funds do you use in your 3 fund portfolio? All the recommendation I have seen for the 3 fund portfolio have been in Vangard funds. For total stock market I have 10K to invest (currently in s&p500 index etf) For total international market I would start with 2.5K For bonds I would either...
by RDHlooking4FIRE
Sun Mar 19, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund - in Prime Money Market?
Replies: 7
Views: 991

Re: Emergency fund - in Prime Money Market?

15k in high yield online savings account 1.05%.
by RDHlooking4FIRE
Sun Mar 19, 2017 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help my portfolio is messy
Replies: 30
Views: 3212

Re: Help my portfolio is messy

You don't want a dividend paying fund like SCHD in a taxable account. I'd turn off dividend reinvesting for all your stocks in taxable account actually, Why? Please explain? Why turn off reinvestment in taxable account? Is it better to take dividends into the core account. Then do what with the cash?
by RDHlooking4FIRE
Sat Mar 18, 2017 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 7553

Re: Am I Addicted

Yep i love transferring money from my checking account to one of my buckets. I am addicted. I thought i was the only weird one.
by RDHlooking4FIRE
Wed Mar 15, 2017 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 5916

Re: Fidelity vs. Vangard?

radiowave wrote:Here we go again :)


Link to old thread?
by RDHlooking4FIRE
Wed Mar 15, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 5916

Fidelity vs. Vangard?

Seems like everyone here likes vangard? Does it have much lower fees than fidelity? Other pros and cons?
by RDHlooking4FIRE
Wed Mar 15, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: No 401K, Ira maxed out, now what?
Replies: 7
Views: 895

Re: No 401K, Ira maxed out, now what?

ruralavalon wrote:
RDHlooking4FIRE wrote:The Fidelity mutual funds I suggest using include:
Fidelity Total Stock Market Index Fund;
Fidelity Total International Index Fund; and
Fidelity U.S. Aggregate Bond Index Fund.


What do you think of FTIGX for international? It seems so new and fees are a little higher. Is there a better option?
by RDHlooking4FIRE
Wed Mar 15, 2017 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Small
Replies: 14
Views: 1566

Re: Investing Small

1- Lump sum investing > Dollar cost averaging. There's only the psychological advantage if that's what matters to you (which is ok). 2 - I'd read the Boglehead guide to investing. Putting $50-100 in a taxable vs roth ira vs 529 is vastly different - sounds like you are not too familiar with these. ...
by RDHlooking4FIRE
Wed Mar 15, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 3650

Re: Where do you save for large purchases?

Also I choose SHYG because they were short term bonds. I thought that would be better if interest rate rise. Is total bond market or intermed. term municipal fund still ok when there is a lot of talk of rising interest rates?
by RDHlooking4FIRE
Wed Mar 15, 2017 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you save for large purchases?
Replies: 42
Views: 3650

Re: Where do you save for large purchases?

Green_98 wrote:
RDHlooking4FIRE wrote:
Green_98 wrote:Does Fidelity have a Bond Fund similar to VWIUX?

I'm going to look into it.

What about FMTLX?


That looks like a target date/lifepath fund from Franklin


Opps typo. I ment Fidelity® Intermediate Municipal Income Fund- FLTMX