Search found 341 matches

by ShowMeTheER
Wed Jun 20, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 5
Views: 504

Re: Portfolio Review

ExitStageLeft - thanks so much. I appreciate you taking the time!
by ShowMeTheER
Wed Jun 20, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 5
Views: 504

Re: Portfolio Review

Thank you for the responses. Bumping to see if anyone has any specific directions on funds/allocations in each vehicle I have available.
by ShowMeTheER
Wed Jun 20, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Can I break the tape in 5 years?????
Replies: 25
Views: 2955

Re: Can I break the tape in 5 years?????

You could quit tomorrow if needed.

Work to 12/31/2019 for peace of mind and enjoy your next phase!
by ShowMeTheER
Wed Jun 20, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 5
Views: 504

Portfolio Review

Emergency Funds: Yes Tax Filing Status: Married Joint (single income household) Tax Rate: 24% Federal, 5% State (Ohio) Age: 40 Desired Asset Allocation: 75% Stocks / 25% Bonds Desired International Allocation: 25% of stocks Current Invested Assets Taxable 3.4% Vanguard Target Retirement 2040 Fund (V...
by ShowMeTheER
Thu Jun 14, 2018 4:18 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 6
Views: 675

Re: Portfolio Review

Looking good - don't see much here to criticize and you have an excellent handle on your overall picture. And enough to dabble in your side investments if desired. What are your goals for retirement, etc? Maybe that will help to draw comments or further confirmations.
by ShowMeTheER
Wed Jun 13, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: COBRA Experts Needed: Newborn Coverage
Replies: 11
Views: 934

Re: COBRA Experts Needed: Newborn Coverage

I will be leaving my current job at the end of the month. Health insurance at my new employer begins on the 31st day of employment. I've never had a job where health insurance didn't start immediately... What is this nonsense? All their new employees and their families are supposed to be uninsured ...
by ShowMeTheER
Tue Jun 12, 2018 5:55 am
Forum: Investing - Help with Personal Investments
Topic: 33yo Couple - Need Help Diversifying Assets & Investing
Replies: 14
Views: 1478

Re: 33yo Couple - Need Help Diversifying Assets & Investing

1) One simple option is to rollover to Vanguard or other place of your choosing. This can be the start of your non-work accounts. Simple investment choices would be either SP500 Index Fund or Target Retirement 2040. 2) Agree on Roth 3) I'd suggest investing in taxable account using same investments ...
by ShowMeTheER
Wed Jun 06, 2018 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review & questions
Replies: 20
Views: 1747

Re: Portfolio review & questions

I am interpreting that you should be in the 12% Fed tax bracket for 2018; and therefore might want to reconsider your pre-tax vs Roth mix in 401(k), at a minimum. Am I missing something? I just checked again and I looked at the individual column on the tax bracket chart for 2018. But it looks like ...
by ShowMeTheER
Tue Jun 05, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review & questions
Replies: 20
Views: 1747

Re: Portfolio review & questions

I am interpreting that you should be in the 12% Fed tax bracket for 2018; and therefore might want to reconsider your pre-tax vs Roth mix in 401(k), at a minimum. Am I missing something?
by ShowMeTheER
Wed May 16, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Certified Financial Planner
Replies: 21
Views: 2235

Re: Becoming a Certified Financial Planner

My experience in doing this is 10 years old now, but prior poster mentioned the work requirement which is an annoying hurdle to the CFP. Some people find a way around but I had no luck (I knew that going in though). ShowMeTheER, did you do the CFP course/exam and then just skip the 3-year requireme...
by ShowMeTheER
Tue May 15, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Certified Financial Planner
Replies: 21
Views: 2235

Re: Becoming a Certified Financial Planner

My experience in doing this is 10 years old now, but prior poster mentioned the work requirement which is an annoying hurdle to the CFP. Some people find a way around but I had no luck (I knew that going in though). I really enjoyed the learning and course work though. Just looked up and saw that Je...
by ShowMeTheER
Mon May 07, 2018 5:11 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check-up and Taxed Account Advice
Replies: 8
Views: 842

Re: Portfolio Check-up and Taxed Account Advice

Hazard - You are in good shape regardless and congrats on your success, but I'd encourage you to think independently on that 457 regardless of what tax advisor says. Tax free retirement income is great but at your tax rates and anticipated continued steady high income, it would likely be coming at a...
by ShowMeTheER
Sun May 06, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 3
Views: 474

Re: Portfolio Review

Great write-up! I'm jealous you have this all down so nicely. I'll weigh-in on the 401(k) topic and leave the fund items to others who are better at that. 1) any particular reason you are/have been contributing Roth 401(k) at 28%/9.3% tax situation? I'd be going full pre-tax and ignore the Roth conv...
by ShowMeTheER
Sun May 06, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check-up and Taxed Account Advice
Replies: 8
Views: 842

Re: Portfolio Check-up and Taxed Account Advice

Some of my thoughts: - how are you doing? Mid-six figures at age 35 is great. Mortgage size is concerning but yu appear to make a nice living at the 33% bracket... just can't tell exactly how high that income might be based on facts given. How stable is your income? $10K/mo expenses is a lot, but ag...
by ShowMeTheER
Sun May 06, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 'extra' income for the first time
Replies: 5
Views: 1001

Re: Investing 'extra' income for the first time

Your plan sounds reasonable and well thought out. I'd encourage you to get started and may offer just two things: - maybe just start with the S&P500 fund on the taxable equity portion. Vanguard fund is great here and gets you started and over the hump. - I also kick around th short-term "holding" ac...
by ShowMeTheER
Sun May 06, 2018 5:12 am
Forum: Investing - Help with Personal Investments
Topic: Pension Advice/Recommendation
Replies: 13
Views: 1490

Re: Pension Advice/Recommendation

Take the 75% J&S for the reasons you stated. Take SRA as annuity - you have a large enough nest egg as is so lock in some more guaranteed payment stream. Then... enjoy retirement!!
by ShowMeTheER
Sun Apr 22, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please
Replies: 6
Views: 555

Re: Portfolio Help Please

Maybe create 10% bond via some small cap and some employee stock shares.

No right answer though - what you have is reasonable. Just consider your path towards some fixed income as years go by.
by ShowMeTheER
Mon Apr 16, 2018 8:24 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire at the end of 2018 at age 59?
Replies: 31
Views: 5769

Re: Can I retire at the end of 2018 at age 59?

Work to the end of 2019 and then retire. You have plenty to enjoy some great years. Cut back a bit if the full $120K/yr seems a stretch.
by ShowMeTheER
Sun Apr 01, 2018 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: portolio questions
Replies: 8
Views: 655

Re: portolio questions

gips wrote:
Sun Apr 01, 2018 7:49 pm

questions:
-- I'm thinking we should be able to withdraw $200K per year by counting the coop as part of the portfolio? Even without the coop...
-- ss plan look ok? Yes, good plan
-- open to any suggestions Enjoy your financial success in retirement!
by ShowMeTheER
Sun Apr 01, 2018 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Just turned 40 please help me with my portfolio checkup
Replies: 5
Views: 1303

Re: Just turned 40 please help me with my portfolio checkup

Looks like you're in great shape to me. No debt and somewhere north of $500K saved up. Any kids? I didn't take time to figure you're asset allocation, but so long as you are comfortable with it just keep going. Be mindful of the allocation makeup on those 2045 funds as you move forward. If going for...
by ShowMeTheER
Thu Mar 01, 2018 4:51 am
Forum: Personal Consumer Issues
Topic: New construction woes
Replies: 30
Views: 3077

Re: New construction woes

I would get the inspection to document at this point in time - as well as for piece of mind. Common mistake that I am guilty of as well is not having an independent inspection prior to taking possession of new build. It may not be a game changer but seems well worth the money to support a warranty c...
by ShowMeTheER
Fri Feb 09, 2018 6:11 am
Forum: Personal Finance (Not Investing)
Topic: Which is better? Free insurance/pension 1.45/match 1.25 vs. 5% contribution + 4% match?
Replies: 2
Views: 483

Re: Which is better? Free insurance/pension 1.45/match 1.25 vs. 5% contribution + 4% match?

1) how long do you plan to stay? 2) let's call it a 9% difference in 401k/403b contribution. How much $$ is that in your case? 3) instead of an internet page, read their pension filing at efast.dol.gov and draw some of your own conclusions or post add'l info. You certainly could go buy your own annu...
by ShowMeTheER
Thu Feb 08, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: HSA...let me get this straight
Replies: 36
Views: 4066

Re: HSA...let me get this straight

exit_r wrote:
Thu Feb 08, 2018 7:05 pm
I posted earlier and didn't get any response. Can you have FSA and HSA in same CY if you switch health plans on your companies open enrollment that occurs in FY (JUL-JUN) not CY?
Yes, you can do that
by ShowMeTheER
Fri Jan 26, 2018 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Pension or Lump Sum
Replies: 7
Views: 805

Re: Pension or Lump Sum

What other assets do you have/expect to have? How much do you value the stable ride of a monthly pension?
by ShowMeTheER
Thu Jan 18, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent Flexible Spending Account Question
Replies: 4
Views: 377

Re: Dependent Flexible Spending Account Question

Yes to summer camp and school programs

Yes to lowering Income

Yes you can contribute to both DCFSA and HSA
by ShowMeTheER
Mon Dec 18, 2017 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: FSA & funding question
Replies: 9
Views: 912

Re: FSA & funding question

1) FSA's are not invested so no mutual funds to worry about 2) Your post-birth infant costs don't have to be all to expensive and with any luck they will not be. The big ticket item is the birth itself. Your out-of-pocket spend depends on your plan, but in majority of cases you'll carry enough of an...
by ShowMeTheER
Sun Dec 17, 2017 10:40 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp wants to change my bonus!
Replies: 25
Views: 4865

Re: Megacorp wants to change my bonus!

[quote=johnubc post_id=3669249 time=<a href="tel:1513566313">1513566313</a> user_id=16694] RSU are forfeited once you leave employment. They do not continue to vest. One hour of research shows that it depends, but this does seem to be the most common. Everyone should check: -it looks fairly common ...
by ShowMeTheER
Sat Dec 16, 2017 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Problem with H&R Block Tax Software Download
Replies: 10
Views: 826

Re: Problem with H&R Block Tax Software Download

I had the same problem this morning. Was using Chrome. Have not had a chance to get back to it yet today to try again.
by ShowMeTheER
Wed Nov 08, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: When to use a non-qualified deferred compensation plan
Replies: 9
Views: 900

Re: When to use a non-qualified deferred compensation plan

FYI - the recently released Tax Reform details are showing a potential major shift in NQDC plans (as drafted, they'd basically be dead). This was somewhat a surprise. Something to keep an eye on as you consider your options both now and as the potential reform progresses.
by ShowMeTheER
Sun Oct 01, 2017 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: New mortgage, should I refinance .
Replies: 17
Views: 1882

Re: New mortgage, should I refinance .

If the refi makes financial sense then certainly go ahead and do it. Many people miss an easy opportunity with refi.
by ShowMeTheER
Fri Aug 25, 2017 9:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: New Columbus, Ohio Chapter
Replies: 58
Views: 7789

Re: New Columbus, Ohio Chapter

I would be interested to meet
by ShowMeTheER
Fri Aug 25, 2017 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: 401k "Revenue Credits"
Replies: 1
Views: 617

Re: 401k "Revenue Credits"

Yes - the rev credit is essentially built into the expense ratio and then credited back to you. Still a ridiculous concept to me after many years of running retirement plans. Back in the not too distant past it was a great revenue generator for the recordkeepers if your hr/benefits person didn't kno...
by ShowMeTheER
Fri Aug 25, 2017 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Unable to do a pension cashout/rollover before retirement age - common?
Replies: 7
Views: 1029

Re: Unable to do a pension cashout/rollover before retirement age - common?

It's not uncommon. Get your hands on the Summary Plan Doc and the Plan Doc. Keep in mind you are not looking for 'rollover' but rather a lump sum distribution option to be listed... and the timing of such. If/when lump sum is allowed, the rollover aspect is a given even if they wouldn't do it direct...
by ShowMeTheER
Tue Aug 22, 2017 5:54 am
Forum: Personal Consumer Issues
Topic: DirecTV vs. Dish vs. Cable
Replies: 21
Views: 2181

Re: DirecTV vs. Dish vs. Cable

Of the 3 that you list, my opinion is there is no material difference in service or experience. All are drawing on the same playbook and the boxes/equipment are part of it. Regarding the price compare, one thing to keep in mind is that after the initial lock period there is no set price to compare. ...
by ShowMeTheER
Mon Aug 21, 2017 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance or Stay As Is
Replies: 13
Views: 1520

Re: Refinance or Stay As Is

How stable are the job(s)? I am partial to locking in the 2.75% at 15 yrs given that you make plenty of money to handle payments. I think the 100bps spread there is worthwhile versus the 30. However, much of this does come down to what makes you sleep better at night. I have a hard time suggesting y...
by ShowMeTheER
Sun Aug 13, 2017 8:23 pm
Forum: Personal Finance (Not Investing)
Topic: Are we house poor? [Property Tax Madness]
Replies: 79
Views: 9692

Re: Are we house poor? [Property Tax Madness]

I assume you are in the Columbus area. Extreme property taxes at 3% of value plus generous pension (teacher?) plus double digit county appraisals on the horizon... all sounds quite familiar :D Although 1.5% city tax may tell me otherwise. Anyway, I was worried about the new county appraisals as well...
by ShowMeTheER
Fri Aug 04, 2017 5:11 am
Forum: Personal Finance (Not Investing)
Topic: Should i switch to a 15/1 fixed mortgage
Replies: 6
Views: 934

Re: Should i switch to a 15/1 fixed mortgage

Thanks. Any experience with them? Certainly head and shoulders above other refi all-in costs these days. Their Yelp reviews (Cardinal Financial) leave much to be desired but Yelp tends to draw the unhappy rather than the happy.
by ShowMeTheER
Thu Aug 03, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Should i switch to a 15/1 fixed mortgage
Replies: 6
Views: 934

Re: Should i switch to a 15/1 fixed mortgage

If you can really get 2.78% w/o crazy closing costs that seems like a wise way to go in my opinion. Would also appreciate if you would mention where that rate is from.
by ShowMeTheER
Fri Jul 28, 2017 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Ready to retire - have I missed anything?
Replies: 25
Views: 5066

Re: Ready to retire - have I missed anything?

Looks good from my perspective. You've put a lot of thought into your retirement considerations, you have the savings and the comfort of the pension backing it up. Can't see anything of significance that is missed. Time to go enjoy! Best of luck.
by ShowMeTheER
Sat Jul 08, 2017 2:49 am
Forum: Personal Finance (Not Investing)
Topic: RSU's need opinon on sellable
Replies: 4
Views: 528

Re: RSU's need opinon on sellable

Am I reading correctly that it's a grand total of $2,800 in market value today? If so, I don't think it's a big deal either way. Typical advice is to be sure that holdings in one stock are not too large a portion of your net worth, etc... In this case, do whatever makes you sleep best. Small tax los...
by ShowMeTheER
Sat Jan 28, 2017 2:54 am
Forum: Personal Finance (Not Investing)
Topic: Should my spouse sell her long term-held company stock to pay mortgage down so we can refinance at a lower rate?
Replies: 20
Views: 2389

Re: Should my spouse sell her long term-held company stock to pay mortgage down so we can refinance at a lower rate?

I would suggest the complete sell... both the full shares and the options. Forget buying the options and do a cashless exercise. You are underwater on a jumbo mortgage and have another loan outstanding as well. Cash helps and I like your plan toward getting into refi position. So long as she doesn't...
by ShowMeTheER
Sat Aug 06, 2016 8:15 am
Forum: Personal Finance (Not Investing)
Topic: another refi question. show me the....math?
Replies: 18
Views: 2188

Re: another refi question. show me the....math?

No expert on closing related fees, but even if they hold as-is I'd say this is a win and that you should refi based on what is presented. I do the math in this simple way when evaluating: 0.75% rate drop in 33% bracket means 0.50% drop after tax. 0.50% savings on interest cost on your current balan...
by ShowMeTheER
Fri Aug 05, 2016 3:42 am
Forum: Personal Finance (Not Investing)
Topic: another refi question. show me the....math?
Replies: 18
Views: 2188

Re: another refi question. show me the....math?

No expert on closing related fees, but even if they hold as-is I'd say this is a win and that you should refi based on what is presented. I do the math in this simple way when evaluating: 0.75% rate drop in 33% bracket means 0.50% drop after tax. 0.50% savings on interest cost on your current balanc...
by ShowMeTheER
Sun Feb 07, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: refinancing for high rate
Replies: 12
Views: 1348

Re: refinancing for high rate

Yes, that would make sense in your situation.
by ShowMeTheER
Wed Nov 04, 2015 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Nonqualified plan
Replies: 13
Views: 1282

Re: Nonqualified plan

What are the distribution options on the non-qual plan? Is there any match involved with contributions to the non-qual plan? If there isn't any match and if the benefit of the immediate tax deduction is likely to be erased later on anyway by a likely distribution to you during continued working/high...
by ShowMeTheER
Wed Nov 04, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Nonqualified plan
Replies: 13
Views: 1282

Re: Nonqualified plan

What is the financial standing of the company? Is it at significant risk of going BK?
by ShowMeTheER
Fri Oct 30, 2015 9:21 am
Forum: Personal Finance (Not Investing)
Topic: How much of your total income are you worth?
Replies: 51
Views: 8305

Re: How much of your total income are you worth?

I have done this in the past... also found it interesting.

Our number is in the range of 0.67. We are in our mid-30's.
by ShowMeTheER
Sat Jul 25, 2015 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 25
Views: 5510

Re: Can I retire early?

Yes, you'll be fine. This forum is ultra conservative in answering these questions for the high earners.

Still $2M in gross earnings to add onto your existing portfolio... 4% w/d puts you in good shape. Stick out 1 addl yr of work if the two of you don't hate the jobs for good measure.