Search found 64 matches

by adam61
Mon Sep 25, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best Place to Start Taxable Investing? Same or Different than IRAs?
Replies: 6
Views: 689

Re: Best Place to Start Taxable Investing? Same or Different than IRAs?

Thanks for the replies. All I was asking with the second question was, is there a benefit to moving my vanguard ROTHs and IRAs to Fidelity to hit any threshold? Part 2 was if there was do I need to convert my current Vanguard Index fund holdings to ETF to facilitate the transfer? I planned to call F...
by adam61
Mon Sep 25, 2017 9:18 am
Forum: Personal Finance (Not Investing)
Topic: Best Place to Start Taxable Investing? Same or Different than IRAs?
Replies: 6
Views: 689

Re: Best Place to Start Taxable Investing? Same or Different than IRAs?

Fidelity seems like a solid choice. 1) Would I need to open a separate account from my ESPP account? Right now it shows my ESPP account and then there's another account called Individual Brokerage: X######### this is where the money goes when I get it at the end of the quarter, I sell 100% after the...
by adam61
Mon Sep 25, 2017 1:24 am
Forum: Personal Finance (Not Investing)
Topic: Best Place to Start Taxable Investing? Same or Different than IRAs?
Replies: 6
Views: 689

Best Place to Start Taxable Investing? Same or Different than IRAs?

I have my Roth's and IRAs at Vanguard. I've also had good luck with Fidelity which manages both my 401k and SO 403b. I've read a bit, but am not real familiar with the other online brokerages. Just a few questions. 1) Is there a top 3 or best place to do my taxable account? I will mention on top of ...
by adam61
Thu Sep 21, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Having First Child a little later in life, Debt just paid, Help Us Check In
Replies: 14
Views: 1697

Re: Having First Child a little later in life, Debt just paid, Help Us Check In

The child is due in December so that is a new deduction this year. Income was also higher last year by about 20k and we lowered our contributions somewhat to save for IVF. It’s likely we’d be in the 25% this year, not sure I could reduce to 15%. I may Just fund the 529 with the gifts and not contrib...
by adam61
Thu Sep 21, 2017 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Having First Child a little later in life, Debt just paid, Help Us Check In
Replies: 14
Views: 1697

Re: Having First Child a little later in life, Debt just paid, Help Us Check In

Thanks for the assistance. I rebalanced to a few less funds and an 80/20 Stock/Bond allocation with 20% international stocks and a little less small/mid and a little more large-cap. Not huge changes, but I just hadn't looked in a couple years. See if this looks more appropriate or needs more large-c...
by adam61
Thu Sep 21, 2017 12:24 am
Forum: Investing - Help with Personal Investments
Topic: Having First Child a little later in life, Debt just paid, Help Us Check In
Replies: 14
Views: 1697

Having First Child a little later in life, Debt just paid, Help Us Check In

I've been a "Boglehead" for about the last 8-10 years and have used that and snowballing strategy to pay off all debt over the last 10 years, $10k in CC, $40k in student loans, 3 cars for $70k, and a $240k mortgage (just 2 months ago in fact), max all tax-advantaged accounts and start to build a nes...
by adam61
Thu Jul 06, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Those who max 401k
Replies: 55
Views: 7427

Re: Those who max 401k

Question regarding True-up. My plan matches 3% of annual contributions, but does it all at once on Feb 28th of the following year. So it doesn't really matter other than DCA considerations when I put my money in correct? My wife's matches on all 26 paychecks, and does not true-up, so I need to make ...
by adam61
Mon Jun 26, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP Question [Employee Stock Purchase Plan]
Replies: 6
Views: 744

Re: ESPP Question [Employee Stock Purchase Plan]

It seems to just say selling before 2 years is a disqualifying disposition. Like I said if this is a no brainer I would be interested, but if there's a lot of risk for a fairly certain return this is my paycheck not my retirement income so I can't take that risk. It's a quarterly offering that takes...
by adam61
Mon Jun 26, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP Question [Employee Stock Purchase Plan]
Replies: 6
Views: 744

ESPP Question [Employee Stock Purchase Plan]

My company recently increased the ESPP from 5% to 15% discount and 10% max contribution to 20%. At the lower discount and contribution I didn't bother, but from reading several posts and sites at 15% discount it's a huge no-brainer. However, I have a couple questions... 1) Can these ever be bad? I s...
by adam61
Mon Jun 26, 2017 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Question about RSUs
Replies: 4
Views: 546

Re: Question about RSUs

Thanks for your help I just like to laugh at corporate America sometimes. I re-read the agreement and death or the purchase of the company by a third-party are the only provisions I see that override the normal vesting schedule. Meaning barring it as a form of life insurance it's a delayed bonus, ta...
by adam61
Sun Jun 25, 2017 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Question about RSUs
Replies: 4
Views: 546

Question about RSUs

My company grants Restricted Stock Units annually with a price target and a 3 year vesting period after reaching that target to directors and above. I just had a couple questions, hopefully not too cynical... 1) My first one's were granted about 3.5 Years ago and will vest late this year. That's a t...
by adam61
Sat Jun 24, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 2416

Re: Cars my only weakness, make me feel bad!!

Thanks for all the help and advice. I'm taking away as long as I stay within my means, don't effect other goals, and get a good price (The $53k was on an MSRP of $60,950 BTW with no financing or trade-in to mess with actual cost). I may look at decoupling my wife's car from mine as mentioned here an...
by adam61
Sat Jun 24, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 2416

Re: Cars my only weakness, make me feel bad!!

Sorry I didn't supply that info. It's a fairly LCOL area, no debt, and Gross Household income is $150-170k based on bonuses. I never adjust my 401k, ROTH, or 529 contributions to buy a vehicle, I also don't purchase unless I can do so with cash leaving at least 6 months or 15k in my emergency fund. ...
by adam61
Sat Jun 24, 2017 7:33 am
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 2416

Re: Cars my only weakness, make me feel bad!!

I go in looking for cars around 30-35k with decent ratings in safety, HP, and some features, and get sucked into MORE Horsepower, MORE features, MORE style, etc. I don't know what I would get now as I'm not actively looking, but I looked at several dealerships last time settled on test driving a ful...
by adam61
Sat Jun 24, 2017 5:46 am
Forum: Personal Consumer Issues
Topic: Cars my only weakness, make me feel bad!!
Replies: 32
Views: 2416

Cars my only weakness, make me feel bad!!

I follow most all bogleheads ideals to the letter. I max my 401k, my SO maxes hers, we both max our vanguard roths, and have an emergency fund of about $30k and a HELOC of $150k with no debt (just paid off house this year). I also do a 529 at $300 a month to help with college expenses. We have 1 chi...
by adam61
Sun May 21, 2017 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Keeping credit score up
Replies: 21
Views: 2278

Keeping credit score up

Paid off my mortgage last month which was the last of my installment debt. I know I can maintain a reasonable score using cc's monthly, but I've already seen it drop from 836 to 820. My understanding is after 5 or so years with no installment payments I can see an even bigger drop. My plan is to pay...
by adam61
Sat May 20, 2017 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: 529 question
Replies: 6
Views: 719

Re: 529 question

No state benefit. I live in Texas and would likely use another states plan.
by adam61
Sat May 20, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: 529 question
Replies: 6
Views: 719

529 question

We are having our first child and being older we will be focused on retirement as they are in college. I read the wiki and several guides, but they seem heavily skewed for or against. I'm in a state with no state taxes. The only ones that seem like a real solid deal are the basic prepaid tuition, bu...
by adam61
Thu Apr 13, 2017 5:12 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside to a HELOC???
Replies: 7
Views: 1146

Any downside to a HELOC???

Paying off our house any time now and was considering a 100-120k 1st Lien HELOC. Draw period seems to last 10 years and in Texas there are no origination fees or closing costs or annual fees. The rate is variable at WSJ Prime -0.2%. Seems like a 0 cost option to have a large sum available if needed ...
by adam61
Wed Apr 05, 2017 9:41 pm
Forum: Personal Consumer Issues
Topic: Selling A Semi-Valuable Vehicle
Replies: 12
Views: 1580

Re: Selling A Semi-Valuable Vehicle

Thanks for the tips. To clarify from previous questions I have clear title. How lowball would the CarMax offer typically be since it seems safe and quick? Closest one is 130 miles Away so I don't want to waste my time if it's going to be silly.
by adam61
Tue Apr 04, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Selling A Semi-Valuable Vehicle
Replies: 12
Views: 1580

Selling A Semi-Valuable Vehicle

I received a work promotion about 90 days ago which included a company car I pay a portion of and is allowed for personal travel. I've kept my other vehicle (my wife also has her own car) just in case, but this seems like a waste to have to keep insurance on it and allow it to depreciate further. I'...
by adam61
Fri Feb 17, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: Retaining Wall
Replies: 25
Views: 2810

Re: Retaining Wall

If I wanted to consult counsel how is the way to get one who specializes in that area to at least get something on paper that even if I do nothing now I get on paper how many failures we have had and get a better understanding of any limitations and his liability how do I do that? People always say ...
by adam61
Fri Feb 17, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Retaining Wall
Replies: 25
Views: 2810

Re: Retaining Wall

Thanks for all the advice I've started taking more copious notes, and texting instead of calling him so there's a paper trail. I also had a more direct conversation saying while I appreciated he kept correcting the issue at the time we've had 5 years and 5 issues, and I wanted to look to bring out a...
by adam61
Tue Feb 14, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Retaining Wall
Replies: 25
Views: 2810

Re: Retaining Wall

The property is outside city limits and I don't believe he has a code to meet. He just has his general laborers build them its 4ft high by 60ft long. It's got 4x4s about 3ft into the ground with concrete originally Every 6ft now every 3ft.It has about 3 ft of dirt behind it then a 6ft privacy fence ...
by adam61
Tue Feb 14, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Retaining Wall
Replies: 25
Views: 2810

Retaining Wall

I built a new house about 5 years ago and had retaining wall issues since about a year in. it's about 4ft high with landscape timbers braced with 4x4s. It's washed out twice and they've added drains, refilled the dirt 3x, and it bowed badly so they doubled the 4x4's to give more support. The the sid...
by adam61
Tue Feb 14, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Viability Question
Replies: 1
Views: 203

ROTH IRA Viability Question

I know this has been asked before, but I can't find it in search or Wiki. I know Wiki suggests 401k up to match, then ROTH, then 401k up to max, then taxable leaving debt out. I've maxed 401k now, but I know ROTH's are a GREAT deal at the 0-15% brackets ok at 25% and there's some debate at 28%. At 3...
by adam61
Tue Sep 20, 2016 8:52 am
Forum: Personal Finance (Not Investing)
Topic: How I circumvented Chase's 5/24 rule
Replies: 38
Views: 6777

Re: How I circumvented Chase's 5/24 rule

I'm not generally confrontational, but I also got around the 5/24 rule. I applied and was immediately declined due to being 7/24. I have $75,000 with chase in DDA/SAV and implied I was considering refinancing my $120k Mortgage and setting up an appointment with a broker to discuss rolling over my $7...
by adam61
Tue Sep 20, 2016 8:45 am
Forum: Personal Consumer Issues
Topic: Clomid+IUI and IVF Cost Help [In Vitro Fertilization]
Replies: 18
Views: 2217

Clomid+IUI and IVF Cost Help [In Vitro Fertilization]

My wife and I are looking to move from less expensive to more aggressive methods to have our first child over the next 6 months. The costs (at least at my income level) are pretty staggering. We both have insurance, but they have $0 in infertility coverage so we are on our own. Costs we are looking ...
by adam61
Sun Jul 03, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 9479

Re: How to make an easy $500 like I just did [Chase bank offer]

There's lots of branches nearby I just need a coupon code.
by adam61
Sun Jul 03, 2016 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 9479

Re: How to make an easy $500 like I just did [Chase bank offer]

It seems like it's a bonus for joining Chase, but it wants me to login to get the coupon??? Do you have to already have a chase account to get the bonus? Or is there another way?
by adam61
Wed Feb 10, 2016 11:41 am
Forum: Personal Finance (Not Investing)
Topic: Company Paid Relocation Expenses, Can't get full understanding of taxes/benefit value
Replies: 12
Views: 1238

Company Paid Relocation Expenses, Can't get full understanding of taxes/benefit value

My company is asking me to move for a promotion. They have what seem to be very favorable relocation benefits. But I'm unsure what the tax consequences are and even if I work with a CPA on next year's taxes the move will have already been made, so I know specific tax advice can't be given, but could...
by adam61
Sat Feb 06, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Forced to sell a an expensive vehicle at the wrong time how to handle???
Replies: 23
Views: 2839

Re: Forced to sell a an expensive vehicle at the wrong time how to handle???

Yes car's are replaced at two different times a year when they exceed 80k miles. Usage is not optional, I think it's a big tax benefit for them and with the cheaper cost of gas for them and the huge mileage reimbursement if I used a personal vehicle(Over 50c/mile) they just do not allow this. So whi...
by adam61
Sat Feb 06, 2016 9:58 am
Forum: Personal Consumer Issues
Topic: Forced to sell a an expensive vehicle at the wrong time how to handle???
Replies: 23
Views: 2839

Re: Forced to sell a an expensive vehicle at the wrong time how to handle???

Just to clarify for the above poster and possibly ask another question. The company charges me personally $200/mo after tax for the company car. They also pay for gas/insurance/maintenance/repair. The $200 is for up to 20% personal use, which I would never come close to. Work miles would be on the o...
by adam61
Sat Feb 06, 2016 12:22 am
Forum: Personal Consumer Issues
Topic: Forced to sell a an expensive vehicle at the wrong time how to handle???
Replies: 23
Views: 2839

Forced to sell a an expensive vehicle at the wrong time how to handle???

I recently got a promotion which is great, but it comes with a company car with personal use privileges. So obviously I don't need my vehicle anymore. Unfortunately, of course I spent a lot purchasing a 2012 model car brand new and planned to keep for 10-12 years. There's no sense in keeping it just...
by adam61
Tue Jan 12, 2016 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Managing HUGE Windfalls (Have read the Wiki)
Replies: 4
Views: 1310

Managing HUGE Windfalls (Have read the Wiki)

As I'm sure it did at many people's office the Powerball came up at my work. Obviously, discussion turned to what you would do if you won and as the resident Boglehead I had the standard advice. Consult a Financial Advisor, CPA, Lawyer, possibly setup a trust and all that. This is a lot of what the ...
by adam61
Wed Dec 23, 2015 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Finally setup up to max 401k/ROTH Now What???
Replies: 6
Views: 526

Re: Finally setup up to max 401k/ROTH Now What???

A couple clarifications... The house is the only debt, there is nothing else at any APR to pay off I finished student loans and our last vehicle in 2015, which is what money I snowballed into the double house payments and why it has 2 years left instead of around 4. Also the interest is low and with...
by adam61
Wed Dec 23, 2015 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Finally setup up to max 401k/ROTH Now What???
Replies: 6
Views: 526

Finally setup up to max 401k/ROTH Now What???

I've been working hard being as good of a Boglehead as I can the last 8 years or so. I'm not looking for a review of my holdings I'm happy with previous advise and just re-balance to ensure consistency. We didn't quite make it in 2015 as I finished the last of paying a vehicle off and my student loa...
by adam61
Tue Nov 03, 2015 11:45 pm
Forum: Personal Consumer Issues
Topic: Post Car Accident Question on Insurance Tactic
Replies: 28
Views: 3051

Re: Post Car Accident Question on Insurance Tactic

As said above if you have any concerns consult an attorney, but I really think some insurance companies have told them to error on the generous side of fair in smaller cases to avoid a silly court battle that costs more even if they pay less, and on top of that you lose a nice chunk to the attorney....
by adam61
Tue Nov 03, 2015 11:20 pm
Forum: Personal Consumer Issues
Topic: How much capacity for a new iPhone?
Replies: 32
Views: 3467

Re: How much capacity for a new iPhone?

As mentioned above the 64gb option offers on its face quadruple the available space, but it's even more. Out of the box rounded the 16gb has 11gb available, 64gb has 59gb or more than 5 times the usable space for only $100 retail or on most of the new plans about $4/mon over the life of the contract...
by adam61
Tue Nov 03, 2015 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Term life questions, help me understand what I am ensuring against
Replies: 5
Views: 773

Term life questions, help me understand what I am ensuring against

I am married 34 wife 37 no children. My original plan was to max out work options, and wait about 3-5 years so we would know for sure if children would happen we would also be debt free at this point. Utilizing rolled over debt payments we've diligently worked to pay through some small cc debt, stud...
by adam61
Sat Aug 15, 2015 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Orphaned 401k Rollover
Replies: 11
Views: 1410

Re: Orphaned 401k Rollover

Answers in Bold I have 3 choices... 1) Keep it at Fidelity (The old company's 401k Manager) Maybe. What are the options? List the fund names, ticker symbols, and expense ratios . FID CAP APPREC K (FCAKX) 11/26/1986 Stock Investments Large Cap 0.7% No additional fees apply. SPTN 500 IDX ADV IS (FXAI...
by adam61
Fri Aug 14, 2015 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Orphaned 401k Rollover
Replies: 11
Views: 1410

Re: Orphaned 401k Rollover

I already have a ROTH at vanguard so I have an open account there. With the combination of my ROTH and a rollover IRA I would also be in the general ballpark of Voyager Select as well (Still 100k short give or take), but I know that gives a few more freebies with vanguard. The Fidelity offers the fu...
by adam61
Fri Aug 14, 2015 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Orphaned 401k Rollover
Replies: 11
Views: 1410

Orphaned 401k Rollover

Seems like it would be a very common question, and I got some information in my research, but still want to ensure I do it right. I rolled over a very small 401k when I started this most recent company, but I wasn't all that concerned because it was around 2k. The company I recently left has one aro...
by adam61
Fri Jul 17, 2015 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Questions near phase out
Replies: 2
Views: 628

Roth IRA Questions near phase out

I've been working on decreasing debt and increasing investments and contributions for the last several years. I understand it's a good problem to have, but I expect 2015 and definitely 2016 to push our combined MAGI near into or above the ROTH phase out based on bonuses etc. I've been approaching it...
by adam61
Sun Apr 12, 2015 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Couple of Term Life Questions
Replies: 5
Views: 620

Re: Couple of Term Life Questions

So it's not too difficult to double the policy should we have children? Also kind of walk me through how the lack of coverage from 55-65 (I understand why coverage isn't needed in retirement) is not a big deal? If I die at say 58 and we planned to retire in just 5-7 years couldn't that create an und...
by adam61
Sat Apr 11, 2015 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Couple of Term Life Questions
Replies: 5
Views: 620

Couple of Term Life Questions

I made a post a week or so ago talking about getting serious about estate and life insurance and all the stuff you ignore talking about. My back of mind plan had always been once we had kids I'd take it seriously. That is something we are still working on, but we're coming to the tail end of a journ...
by adam61
Tue Apr 07, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance and Will general questions
Replies: 6
Views: 740

Re: Life Insurance and Will general questions

I was still curious if there's any risk of losing the employee sponsored coverage due to say an ongoing illness that would risk that coverage or if you are able to extend it by paying the premiums if the person has to leave their job. My work coverage is $325,000 at $18/month. It says it is not subs...
by adam61
Tue Apr 07, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Life Insurance and Will general questions
Replies: 6
Views: 740

Life Insurance and Will general questions

I read the wiki, but still wanted some basic advice. My wife and I are late 30's no children right now. We always planned to put together a will and possibly look at term or other life options when we had children. I don't want to get into it here, but we are still looking into having at least one c...
by adam61
Thu Aug 22, 2013 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Working on rebalancing and asset allocation
Replies: 3
Views: 521

Re: Working on rebalancing and asset allocation

Thanks for your reply. The biggest reason I have the Dodge & Cox fund is that in the 401k there aren't a lot of good choices, and that happens to be the largest account in dollars. So I had to do something besides the Spartan 500 fund without over weighting on domestic large cap and under weight...
by adam61
Wed Aug 21, 2013 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Working on rebalancing and asset allocation
Replies: 3
Views: 521

Working on rebalancing and asset allocation

Emergency funds: Yes 6 months of expenses if both spouses lost work, 12 months+ if a single person experienced job loss. Debt: 1st Mortgage 2.9% No Tax Deduction Pay $1,000 extra principal/month 52pmts remaining Tax Filing Status: Married Filing Jointly No Dependents Tax Rate: 28% Federal, 0% State ...