Search found 38 matches

by Tbeller80
Thu Jul 27, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 4747

Re: Moving to Phoenix. Need advice.

Don't get me wrong, it could have been a lot worse. I just thought it was hilarious what happened considering what folks were debating earlier in this thread. I'm really looking forward to living here.
by Tbeller80
Wed Jul 26, 2017 5:50 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 4747

Re: Moving to Phoenix. Need advice.

Don't you find disturbing the large numbers of drugged zombies wandering the streets and offramps of Phoenix? I've been to Phoenix a couple of times recently. Both times I was deeply disturbed by the high numbers of clearly doped up zombies wandering the streets all over the place with robbery and ...
by Tbeller80
Mon Jul 10, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 4747

Re: Moving to Phoenix. Need advice.

Found a place in Tempe within walking distance of a great school with a 25-30 min commute depending on traffic. Btenny, thanks for the parking lot site. I found a garage two blocks from the office that does $50/month. I start work on Friday and I'll go see them about buying the pass. Everyone else, ...
by Tbeller80
Thu Jun 15, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 4747

Re: Moving to Phoenix. Need advice.

You mentioned just south of the 60 in Tempe, so thought you'd like to know that an apartment complex just opened up this week. It is at Rural & Baseline on Lakeshore. It's super close to the 60, a Whole Foods, etc. The website is http://www.liveatharper.com. All of the rental websites say they're a...
by Tbeller80
Tue Jun 13, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 4747

Re: Moving to Phoenix. Need advice.

You mentioned just south of the 60 in Tempe, so thought you'd like to know that an apartment complex just opened up this week. It is at Rural & Baseline on Lakeshore. It's super close to the 60, a Whole Foods, etc. The website is http://www.liveatharper.com. Thanks for the tip. They hadn't popped u...
by Tbeller80
Thu Jun 08, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 4747

Re: Moving to Phoenix. Need advice.

If you pan the map just a few blocks further east, that's where in Scottsdale I'm looking (between El Dorado Park and 101). I'm definitely staying away from anything west of I-17 and my North Central search is between Thomas and Dunlap. As far as the sun goes, right there with you all. We prefer hou...
by Tbeller80
Thu Jun 08, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 4747

Re: Moving to Phoenix. Need advice.

Jcraz, thanks for the input. There's really only one school in south Scottsdale I'm paying any attention to and a couple schools in the north central Phoenix with Madison being at the top of that list. There are a couple schools in Tempe I'm looking at, but due to ASU influence I'm focused on the ar...
by Tbeller80
Thu Jun 08, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 4747

Re: Moving to Phoenix. Need advice.

We're moving to Phoenix, AZ the beginning of July. I'm looking to rent an apartment or house either in the North Central area between I-17 and 51, south Scottsdale between the zoo and 101, and Tempe near Highway 60. My office will be right in the middle of downtown so I'm looking at housing either ...
by Tbeller80
Thu Jun 08, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Moving to Phoenix. Need advice.
Replies: 44
Views: 4747

Moving to Phoenix. Need advice.

We're moving to Phoenix, AZ the beginning of July. I'm looking to rent an apartment or house either in the North Central area between I-17 and 51, south Scottsdale between the zoo and 101, and Tempe near Highway 60. My office will be right in the middle of downtown so I'm looking at housing either n...
by Tbeller80
Wed Jun 07, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: A couple tax questions (IRA and TLH)
Replies: 9
Views: 603

Re: A couple tax questions (IRA and TLH)

I was referring to losses I've already locked in. I have about $11k in losses from last year that I've already captured to carry over the next couple years. The TSP has a Roth option, but if I did the math right, I need to keep the traditional TSP deductions to keep my tax bracket down.
by Tbeller80
Tue Jun 06, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: A couple tax questions (IRA and TLH)
Replies: 9
Views: 603

Re: A couple tax questions (IRA and TLH)

"Convert" was probably the wrong term to use. I was exploring continuing on from now with a Traditional. I'm in the 25% bracket and expecting to stay there. As far as the TLH "account" that I've created, is it worth the effort to keep doing harvests when the opportunity arises even if I have a few y...
by Tbeller80
Tue Jun 06, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: A couple tax questions (IRA and TLH)
Replies: 9
Views: 603

Re: A couple tax questions (IRA and TLH)

My current AA is:

1.6% cash in checking
4.6% her Roth (VTSAX)
12% my Roth (VTSAX)
19% TSP C Fund
14% TSP G Fund
27% VTSAX (taxable account)
22% VFWAX (taxable account)

Both Roths are maxed for this year and the TSP will be maxed after this next paycheck.
by Tbeller80
Tue Jun 06, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: A couple tax questions (IRA and TLH)
Replies: 9
Views: 603

Re: A couple tax questions (IRA and TLH)

You do not want to convert a Roth to a traditional IRA. While the traditional is tax deferred, the Roth is TAX FREE. Now, what you want to do with future IRA contributions is another question. In that case, is there any benefit for me of discontinuing the Roth and making future contributions under ...
by Tbeller80
Tue Jun 06, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: A couple tax questions (IRA and TLH)
Replies: 9
Views: 603

A couple tax questions (IRA and TLH)

I've been contributing to a ROTH IRA since I was 18 (36 now). I'm trying to determine if there is any benefit to converting it to a Traditional IRA. My taxable income last year was $89391. I contributed $18k to TSP which dropped my W2 taxable income down to $73191 (I have no idea why the difference ...
by Tbeller80
Tue Jun 06, 2017 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital - Phone Discussion
Replies: 39
Views: 5275

Re: Personal Capital - Phone Discussion

You are correct, they do not claim to outperform, so my bad for assuming they do. But If pc won't outperform, what is the point of giving them .89%? The stuff they claim to do is ok, but hardly worth .89%. Maybe if they charged vanguards .3%, but you can't pay 2 financials advisors with that low a ...
by Tbeller80
Sat Apr 16, 2016 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital "Your Portfolio Is Not Well Diversified"
Replies: 13
Views: 2520

Re: Personal Capital "Your Portfolio Is Not Well Diversified"

Your post got me wondering just how many Vice Presidents does Personal Capital have. I must not rate very high with them because my review was with only with a Registered Investment Adviser (RIA). Maybe an RIA could be a VP but he never dropped that title during our interview. I thanked him for his...
by Tbeller80
Fri Apr 15, 2016 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital "Your Portfolio Is Not Well Diversified"
Replies: 13
Views: 2520

Re: Personal Capital "Your Portfolio Is Not Well Diversified"

I went through their full sales pitch today. From a previous call, their vice president tailored a plan that he briefed to me that while my AA looks pretty good, by more equally weighting sectors he can increase my return, lower my risk, and lower my tax bill. The funniest part was that their online...
by Tbeller80
Fri Apr 08, 2016 11:32 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital
Replies: 39
Views: 7875

Re: Personal Capital

I moved a small (<10%) portion of my portfolio over to Personal Capital because of their aggregation tools. Best in the market, IMHO, and thought I'd see how they do compared to my lazy fund portfolio. Yeah, I did the one-hour call, but no big deal. If they do well, I will increase over time. If no...
by Tbeller80
Tue Feb 23, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone stick to a Budget such as YNAB?
Replies: 25
Views: 3061

Re: Does anyone stick to a Budget such as YNAB?

I've been using YNAB for almost 3 years now. I desperately needed it when I was getting serious about cutting my expenses and investing because I only had a slight idea where my money was going. YNAB forces you to stare your spending in the face, and is great for planning. I used to have a category ...
by Tbeller80
Tue Feb 23, 2016 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 15395

Re: Mr Money Mustache Article (New Yorker)

MMM has found the key to early retirement - blog about it as a sidegig. I think when you make a living ridiculing people for making a living and spending modestly (since he seems to consider modest spending to be extravagant) he should understand that people will question him for practicing what he...
by Tbeller80
Mon Feb 22, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 15395

Re: Mr Money Mustache Article (New Yorker)

http://forum.mrmoneymustache.com/welcome-to-the-forum/new-yorker-article-on-mmm/50/ Pete replied to the discussion on the MMM forum about the article. He explained what the whole Magic party deal was. Bottom line the other kid's father put out several $20 a head parties and it just didn't make sens...
by Tbeller80
Thu Jan 21, 2016 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: TLH checklist
Replies: 7
Views: 818

TLH checklist

I think I have the script for doing a TLH down, but I wanted to double check before I go and do it. My VTIAX has $3k in short term losses and $17k in long term losses. My last contribution was 31DEC. My cost basis is set for SpecID. I turned off auto-invest and auto-dividends. On 1FEB I will exchang...
by Tbeller80
Thu Jan 21, 2016 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to live in CA for a retiree
Replies: 27
Views: 3312

Re: Best place to live in CA for a retiree

I was raised in Sacramento and still go back home a few times a year to visit. The weather is great most of the year, the living possibilities quite varied, and whatever interests you for entertainment is a short drive in any particular direction. Sacramento, its suburbs, and attached cities provide...
by Tbeller80
Sat Jan 16, 2016 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation check
Replies: 4
Views: 608

Asset Allocation check

I've had my current portfolio for a couple years now (thank you Bogleheads) and wanted to see if I'm still going the right direction. I'm 35, an Army officer, and if I qualify for the 20-year retirement I'll completely retire in 7 years. If not, then I'll be hoping to retire in 15 years. My current ...
by Tbeller80
Mon Jan 04, 2016 12:17 pm
Forum: Investing - Theory, News & General
Topic: Thanks China!
Replies: 40
Views: 6091

Re: Thanks China!

I am wondering if China will just be a big disaster for investors. Hopefully the Emerging Markets Indexes won't get too loaded up on Chinese stocks. To me, China looks a lot like Japan in the late 1980's when everyone thought Japan was going to take over the world. Japan was the number two economy ...
by Tbeller80
Thu Sep 10, 2015 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio checkup and possible Roth pipeline
Replies: 3
Views: 458

Re: Portfolio checkup and possible Roth pipeline

I posted the TSP question to Nords at MMM and he linked me his blog post on the subject. http://the-military-guide.com/2015/08/06/how-and-why-to-transfer-your-tsp-to-an-ira/ This looks like it will answer the mail on my TSP concerns. The rules may change by the time I retire, but this helps a lot. S...
by Tbeller80
Thu Sep 10, 2015 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio checkup and possible Roth pipeline
Replies: 3
Views: 458

Portfolio checkup and possible Roth pipeline

It's been a long time since I've been on here and wanted to get a few eyes on how I'm doing. I'm an Army officer at almost 13 years active service. Wife and I both work. I'm trying to stay in to hit 20 years, but I won't know for another 4 years if I'm going to be allowed to stay to the end. I'm loo...
by Tbeller80
Mon Jul 21, 2014 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 62
Views: 24457

Re: Anyone here use Personal Capital?

I signed up for PC before learning about Vanguard. It was PC's portfolio and fee analyzers that revealed to me I was being crushed by my previous funds and jump-started me on switching over. Since then I just look at PC every few weeks to take a quick look or if I need to see all my balances at once.
by Tbeller80
Mon Jul 21, 2014 6:42 am
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 19519

Re: List of Worst financial advice (what not to do):

"It's ok to get an expensive post grad degree in humanities that will put you in a high five or six figure debt but it's ok because your future salary should make up for it!" On NBC News tonight, it's WHAT you take (STEM) not where you went to school ( public/private )that determines your...
by Tbeller80
Sat Jul 19, 2014 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Deployed TSP opportunity, need rebalancing help
Replies: 7
Views: 458

Re: Deployed TSP opportunity, need rebalancing help

retiredjg wrote:
Tbeller80 wrote:I have roughly $5600/month to contribute towards investments.

Could all of this go to the TSP this year?


Yes, though I still plan on maintaining my Vanguard ROTH IRA contributions which are $1200/month of that total.
by Tbeller80
Sat Jul 19, 2014 8:09 am
Forum: Investing - Help with Personal Investments
Topic: Deployed TSP opportunity, need rebalancing help
Replies: 7
Views: 458

Re: Deployed TSP opportunity, need rebalancing help

While in a tax-free status I can contribute up to $52k this year to my TSP. By the end of the year (and roughly the end of this deployment) I will have contributed about $43k, with $34k being from tax free income. As I understand the long game with the TSP this money will be in the same account as a...
by Tbeller80
Sat Jul 19, 2014 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Deployed TSP opportunity, need rebalancing help
Replies: 7
Views: 458

Deployed TSP opportunity, need rebalancing help

I'm deployed for the rest of the year and can contribute far above the $17.5k limit for this timeframe. Several people have suggested that I stop contributing to Vanguard for the time and put everything into TSP. My concern is keeping my portfolio balance. If I send all my contributions this year to...
by Tbeller80
Tue Feb 11, 2014 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please; It's a mess
Replies: 15
Views: 2555

Re: Portfolio review please; It's a mess

For my INVESCO mutual fund (AADAX), it looks like Vanguard supports it, but I would like to cash it out and put that money towards my new portfolio. Would I be better off doing a transfer in kind of the fund to Vanguard before dissolving it or go ahead and have INVESCO send me a check? I know there ...
by Tbeller80
Fri Feb 07, 2014 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please; It's a mess
Replies: 15
Views: 2555

Re: Portfolio review please; It's a mess

The penalty is disappointing, but in the long run I won't miss it since the annuity was small to begin with. I'm pretty sure I'm going with the two stock funds you and the CSR recommended. My wife and I have completed our accounts and profiles, but I have to wait a few days before I can channel any ...
by Tbeller80
Fri Feb 07, 2014 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please; It's a mess
Replies: 15
Views: 2555

Re: Portfolio review please; It's a mess

I was on the phone for almost 2 hours with Vanguard this morning with a very patient and resourceful customer service rep. I got the ball rolling on liquidating the USAA funds (annuity will take a little more paperwork) and created Vanguard accounts for me and my wife. I also updated my TSP contribu...
by Tbeller80
Fri Feb 07, 2014 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please; It's a mess
Replies: 15
Views: 2555

Re: Portfolio review please; It's a mess

Finally, you mention being married but don't mention any investments for your wife. We normally recommend creating a portfolio that crosses all investment accounts so if your wife has any investments you should include those here and we can shift recommendations around. If she doesn't, you should c...
by Tbeller80
Fri Feb 07, 2014 1:38 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please; It's a mess
Replies: 15
Views: 2555

Re: Portfolio review please; It's a mess

Laura, Thank you for that very extensive reply. I've been on the Vanguard website all evening and I'm floored at how many of their funds have almost no expenses, but seem to be performing very well. Generally I like working with USAA for insurance and general banking and their customer service is gr...
by Tbeller80
Thu Feb 06, 2014 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please; It's a mess
Replies: 15
Views: 2555

Portfolio review please; It's a mess

Hello, I found this place through a Mr. Money Moustache forum recommendation. I've been investing for a few years and I'm still not sure I know what I'm doing. I'm mostly invested with USAA. I managed my account most of last year through half a dozen mutual funds and my gains pretty much stayed flat...