Search found 37 matches

by Sales6280
Sat Jul 08, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Choose Funds in New 401K
Replies: 8
Views: 402

Re: Help Me Choose Funds in New 401K

Thank you all for the advice. Life Strategy Growth it is.
by Sales6280
Sat Jul 08, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help Me Choose Funds in New 401K
Replies: 8
Views: 402

Re: Help Me Choose Funds in New 401K

Updated with ER's for vanguard funds.
by Sales6280
Sat Jul 08, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Help Me Choose Funds in New 401K
Replies: 8
Views: 402

Help Me Choose Funds in New 401K

Hello Bogleheads, I just started a new job and have the following funds available in my 401K plan (no match). Luckily many are Vanguard funds with low ER's. I would like to maintain an aggressive allocation with either 80/10 or 90/10. Any insight on which funds to pick would be greatly appreciated. ...
by Sales6280
Thu Jun 15, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Options: One Spouse with Employer 401K
Replies: 11
Views: 663

Re: Investment Options: One Spouse with Employer 401K

retiredjg wrote:If you do take that job with the 401k, maybe you could put enough into the 401ks to lower your AGI to a point where you can put the money saved on taxes into Roth IRA.


This is the plan if we can afford to max out both 401k's. That is likely what it would take to get below the Roth threshold.
by Sales6280
Wed Jun 14, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Options: One Spouse with Employer 401K
Replies: 11
Views: 663

Re: Investment Options: One Spouse with Employer 401K

Just reviewed my wifes 401k options. They have Vanguard Institutional Index Fund (VINIX) with an expense ratio of .04%. No other fees apply!
by Sales6280
Wed Jun 14, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Options: One Spouse with Employer 401K
Replies: 11
Views: 663

Re: Investment Options: One Spouse with Employer 401K

Contributions to the 401(k) will reduce one's AGI, so contribute at least $18K to that plan before year-end and get your AGI in the range of doing a Roth IRAs without hassles. She will not be eligible for a deductible IRA contribution anyways, I would think. Otherwise, I think folks have explained ...
by Sales6280
Wed Jun 14, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Options: One Spouse with Employer 401K
Replies: 11
Views: 663

Re: Investment Options: One Spouse with Employer 401K

I think the limit this year may be $186,000. HSA - if you have a high deductible health plan and if it is appropriate for your family's health needs, an HSA would provide some limited tax-deferred space. Max out the 401k. Will that lower the AGI enough, to contribute directly to Roth IRA? Not tax-d...
by Sales6280
Wed Jun 14, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Options: One Spouse with Employer 401K
Replies: 11
Views: 663

Investment Options: One Spouse with Employer 401K

My wife is starting a new job with a 401K plan. They will match 50% up to 4% of her income. We have never had an employer sponsored plan which allowed us to contribute to IRA's without income limits. This year we will exceed the $184,000 limit which would make our IRA contributions non-deductible. W...
by Sales6280
Fri May 19, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1462
Views: 260058

Re: What are you up YTD? [Year To Date]

7.73% = VFIFX
by Sales6280
Wed May 17, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Status
Replies: 9
Views: 1011

Re: Vanguard Account Status

I see 4 levels of personal client: Personal Investor, Voyager, Voyager Select, and Flagship. (ETA: I see this at m) So once you're logged I imagine you should see one of these. I do. Sounds like you're in Personal Investors. If you think you should move up, send them a message via your account. My ...
by Sales6280
Wed May 17, 2017 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Status
Replies: 9
Views: 1011

Re: Vanguard Account Status

Yes, after I login. I guess I need to call them.
by Sales6280
Wed May 17, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Status
Replies: 9
Views: 1011

Re: Vanguard Account Status

In my portal all I see in the grey band over the logo is the Personal Investors drop down menu.
by Sales6280
Wed May 17, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Status
Replies: 9
Views: 1011

Vanguard Account Status

The total of my accounts with Vanguard place me comfortably in the $50K-$500K Voyager range. When I login to account overview I see nothing in regards to account status (Voyager, Voyager Select, Flagship, etc..). Is this shown anywhere in the online portal?
by Sales6280
Sun Apr 09, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Question About Opening IRA With Vanguard
Replies: 2
Views: 267

Question About Opening IRA With Vanguard

I'm an existing Vanguard customer with a Roth IRA. This morning I tried opening a traditional IRA for my 2016 contribution and its not allowing me to select a fund to invest in. Do they just place it in a money market? If i remember correctly when opening the roth I was able to choose a fund. Maybe ...
by Sales6280
Mon Sep 26, 2016 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Just Refinanced Homestead - Pay Additional Principal or Invest?
Replies: 11
Views: 911

Re: Just Refinanced Homestead - Pay Additional Principal or Invest?

You pay almost nothing on principle for the first few years on a 30 year mortgage. You can drop years off of your mortgage with a one-time 1% (nominal - nothing sacred about the percentage) principle payment now. In effect, you make the first 2+ years of principle payments in one fell swoop. My fir...
by Sales6280
Sun Sep 25, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Just Refinanced Homestead - Pay Additional Principal or Invest?
Replies: 11
Views: 911

Re: Just Refinanced Homestead - Pay Additional Principal or Invest?

If you're independent contractors getting 1099s and file schedule C with your tax returns, you can use Solo 401k, SEP-IRA or SIMPLE-IRA as your workplace plans. Of those three plans, Solo 401k is the best IMO and gives you the flexibility to make very large contributions. On your income, Solo 401k ...
by Sales6280
Sun Sep 25, 2016 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: Just Refinanced Homestead - Pay Additional Principal or Invest?
Replies: 11
Views: 911

Re: Just Refinanced Homestead - Pay Additional Principal or Invest?

If you're independent contractors getting 1099s and file schedule C with your tax returns, you can use Solo 401k, SEP-IRA or SIMPLE-IRA as your workplace plans. Of those three plans, Solo 401k is the best IMO and gives you the flexibility to make very large contributions. On your income, Solo 401k ...
by Sales6280
Sun Sep 25, 2016 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Just Refinanced Homestead - Pay Additional Principal or Invest?
Replies: 11
Views: 911

Re: Just Refinanced Homestead - Pay Additional Principal or Invest?

We do have an emergency fund of aprox one years expenses. Being that our income is mostly commission based I prefer to have extra cushion. I have not opened any retirement accounts other than our roth iras which we max out. Neither of us has a workplace option. We own several rental properties free ...
by Sales6280
Sun Sep 25, 2016 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Just Refinanced Homestead - Pay Additional Principal or Invest?
Replies: 11
Views: 911

Just Refinanced Homestead - Pay Additional Principal or Invest?

I just refinanced my mortgage to 3.25% (30yr) down from 4.0%. Im saving $279 a month from my previous payment and it only cost me $775. This is my only debt. Would you use that $279 to pay additional principal monthly and reduce the payoff to 24 years or invest the $279 in taxable? With such a low r...
by Sales6280
Tue May 17, 2016 3:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 242
Views: 39239

Re: South Florida Local Chapter

Please add me to the list as well. I am in South Miami.
by Sales6280
Thu Jul 16, 2015 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: The Good the Bad and the Ugly of real estate
Replies: 87
Views: 15815

Re: The Good the Bad and the Ugly of real estate

I own 4 rental properties. One was my first home and the rest i have accumulated over the last 4 years. All were purchased for under $100k except for the old homestead. To me its all about cash flow. I wont touch anything that dosnt throw off atleast $800 net per month. Leaves allot of room for repa...
by Sales6280
Tue Feb 24, 2015 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's 401K Allocation
Replies: 7
Views: 651

Re: Help with Mom's 401K Allocation

Thanks for our comments. I like the idea of the folowing allocation. Simple and low expenses. - SSGA INTERNATIONAL EAFE IND TR (.18%) 15% - SSGA PASSIVE BOND MRKT INDX TR (.12%) 35% - SSGA S&P 500 INDEX (.10%) 50% Edit I think the following 60/40 could work. Any reason to keep Pimco Total Return...
by Sales6280
Tue Feb 24, 2015 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's 401K Allocation
Replies: 7
Views: 651

Re: Help with Mom's 401K Allocation

Thank you I've updated my original post
by Sales6280
Tue Feb 24, 2015 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Mom's 401K Allocation
Replies: 7
Views: 651

Help with Mom's 401K Allocation

My mother has approximately 10 years to retirement. She shared her 401K with me for the first time (asking me for help) and I feel like she is in way too many funds. I would appreciate some insight on her asset allocation. For the time being her 401k is her only retirement vehicle. Taxable and IRA a...
by Sales6280
Fri Jun 27, 2014 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: To pay off condo rental investment or not?
Replies: 9
Views: 973

Re: To pay off condo rental investment or not?

I have a very similar scenario. My rental condo mortgage is at 5.125% and paying it off would give significant cash flow. In the mean time I have been paying additional principal. I am having a hard time sending $180,000 to the bank. :|
by Sales6280
Wed Mar 12, 2014 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move my Roth IRA from Scottrade to Vanguard
Replies: 9
Views: 1687

Re: Should I move my Roth IRA from Scottrade to Vanguard

FYI Scottrade charges $75 to transfer your account to another brokerage.
by Sales6280
Tue Mar 11, 2014 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move my Roth IRA from Scottrade to Vanguard
Replies: 9
Views: 1687

Re: Should I move my Roth IRA from Scottrade to Vanguard

I am in the middle of this exact transfer. Do yourself a favor and liquidate your holdings at scottrade and transfer the cash to vanguard. This can be done electronically in 5-7 days. If you transfer equities you need to fill out a form, get is signed by a bank and mail it to vanguard. Then it takes...
by Sales6280
Mon Feb 24, 2014 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bond Fund in Taxable
Replies: 9
Views: 959

Re: Tax Exempt Bond Fund in Taxable

But being tax exempt I see no reason not to reinvest into this fund. Makes sense, right? Before you commit to reinvesting your VWITX dividends, make sure you understand sscritic's post. In slow motion (720p resolution), 1. If you reinvest dividends in any fund that has monthly distributions, then e...
by Sales6280
Sun Feb 23, 2014 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bond Fund in Taxable
Replies: 9
Views: 959

Tax Exempt Bond Fund in Taxable

One of my taxable holdings is Vanguard Intermediate Term Municipal Bond Fund VWITX. Normally in taxable I would not want auto dividend reinvestment as to avoid multiple small tax lots. But being tax exempt I see no reason not to reinvest into this fund.

Makes sense, right?
by Sales6280
Tue Feb 18, 2014 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Eligibility Help
Replies: 7
Views: 626

Re: HSA Eligibility Help

I thought I would share my experience with closing my HSA to possibly help others in the same situation. I have had my HSA with Health Savings Administrators for 6 weeks or so. I recently determined I am not eligible to have one and contacted them to close the account. Being that I did so before my...
by Sales6280
Tue Feb 18, 2014 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Eligibility Help
Replies: 7
Views: 626

Re: HSA Eligibility Help

I thought I would share my experience with closing my HSA to possibly help others in the same situation. I have had my HSA with Health Savings Administrators for 6 weeks or so. I recently determined I am not eligible to have one and contacted them to close the account. Being that I did so before my ...
by Sales6280
Sat Feb 15, 2014 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Eligibility Help
Replies: 7
Views: 626

Re: HSA Eligibility Help

If you have carefully reviewed the qualifying characteristics on p 3 and 4 of Pub 969 attached, and the plan meets the requirements, go ahead and make the contribution. Pay particular attention to the deductible requirements with respect to individuals and family: m I may have an issue with the pre...
by Sales6280
Sat Feb 15, 2014 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Eligibility Help
Replies: 7
Views: 626

HSA Eligibility Help

My wife and I have been enrolled in Aetna POS Open Access 2500 for a while now. The in-network family deductible is $5,000 and the in-network family out of pocket maximum is $10,000. This falls into the HSA requirements perfectly (min $2,500 fam deductible, Max $12,500 fam out-of-pocket) yet Aetna l...
by Sales6280
Thu Feb 13, 2014 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Portfolio Review
Replies: 8
Views: 950

Re: New Boglehead Portfolio Review

There are Bogleheads wiki articles on: Solo 401k; SEP IRA; and SIMPLE IRA. Its a good idea to contact Vanguard about the best vehicle for your s situation. Thanks. I am in the process of transferring my brokerage and Roth to Vanguard. Then I will work on my allocation. I will probably put the minim...
by Sales6280
Wed Feb 12, 2014 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Portfolio Review
Replies: 8
Views: 950

Re: New Boglehead Portfolio Review

mnvalue wrote:Are either of your self-employed (including 1099 contracting "jobs")? I'm seeing a lot of big dollar figures, so it's surprising to me that neither of you works somewhere with a 401k.


Yes we are both 1099. We are independent contractors in the Real Estate field.
by Sales6280
Wed Feb 12, 2014 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Portfolio Review
Replies: 8
Views: 950

Re: New Boglehead Portfolio Review

Thank you for your insight.

Do you think I'm better off investing the $50k CD monies rather than paying down the 5.125% mortgage?
by Sales6280
Wed Feb 12, 2014 6:13 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Portfolio Review
Replies: 8
Views: 950

New Boglehead Portfolio Review

New to Bogleheads. Please help me get to my desired allocation. Any insight would be greatly appreciated. Emergency funds: $80K in savings at .84% (Approx. one year) Debt: - Primary Home $413,000 @ 4% over 30 years (value $750,000) with 29.5 year left. - Investment property #1 $183,000 @ 5.125% over...