Search found 2135 matches

by am
Tue Nov 29, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Last day for solo 401k contribution?
Replies: 10
Views: 653

Re: Last day for solo 401k contribution?

Our accountant told us the deadline for last payroll is Jan 31. I am not sure how we can make the employee contribution if the deadline is last day of Dec?
by am
Tue Nov 29, 2016 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Last day for solo 401k contribution?
Replies: 10
Views: 653

Last day for solo 401k contribution?

Wondering when we can make the last employee contribution for the year for an s corp? How about profit sharing? Did some searching and can't find a straight answer?
by am
Tue Nov 22, 2016 10:22 pm
Forum: Investing - Theory, News & General
Topic: another question for the pro SCV crowd
Replies: 10
Views: 777

Re: another question for the pro SCV crowd

Yea I know scv premium is as persistent as equity premium, but I am not sure I have enough patience and years left to wait for it.
by am
Sun Nov 20, 2016 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-tax Retirement Accounts and Pensions in Networth
Replies: 37
Views: 3689

Re: Pre-tax Retirement Accounts and Pensions in Networth

I track two values for net worth; one without pension and then occasionally, I will check the value with the pension. I know the minimum monthly or annual income I am assured in my pension and I look up the value of a comparable annuity to deliver that. I'm not following. Do many pensions out there...
by am
Sun Nov 20, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-tax Retirement Accounts and Pensions in Networth
Replies: 37
Views: 3689

Re: Pre-tax Retirement Accounts and Pensions in Networth

I track two values for net worth; one without pension and then occasionally, I will check the value with the pension. I know the minimum monthly or annual income I am assured in my pension and I look up the value of a comparable annuity to deliver that. I'm not following. Do many pensions out there...
by am
Sun Nov 20, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you track your net worth? How long have you done so?
Replies: 110
Views: 7641

Re: Do you track your net worth? How long have you done so?

I track it in fidelity full view. No practical value but nice to know that my saving and investing plan is working. It is nice to know that my wealth is in the top 1-5% for those my age. I certainly don't feel wealthy however and feel like I have a ton more savings to do.
by am
Sun Nov 20, 2016 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-tax Retirement Accounts and Pensions in Networth
Replies: 37
Views: 3689

Re: Pre-tax Retirement Accounts and Pensions in Networth

For my pension 401a account, I simply use the current value that I am able to rollover to an IRA right now. I also use it in my asset allocation on the fixed income side since it does not go down in value. At 62, I can convert the money to annuity if I wish. Same decision can be made with other acco...
by am
Sun Nov 20, 2016 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Is Illinois SURS safe to invest in?
Replies: 19
Views: 2536

Re: Is Illinois SURS safe to invest in?

Funding ratio drops further : http://www.zerohedge.com/news/2016-11-16/illinois-pension-funding-sinks-376-unfunded-liability-surges-130bn Chief investment officer thinks risk of funds Being depleted in the next 10 years: http://www.pionline.com/article/20151130/PRINT/151129917/illinois-surs-in-dange...
by am
Sat Nov 19, 2016 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with choosing a fund for a SURS pension account
Replies: 8
Views: 626

Re: Please help with choosing a fund for a SURS pension account

Your smart to use the self managed plan. The investment chief says there is a good chance pension fund won't be able to pay obligations within 10 yrs . http://www.pionline.com/article/20151130/PRINT/151129917/illinois-surs-in-danger-of-running-out-of-money-to-pay-retirees-cio-says How this will all ...
by am
Tue Nov 15, 2016 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: Asking for advice for VWIUX......
Replies: 17
Views: 1351

Re: Asking for advice for VWIUX......

This fund fluctuates in price like anything else. Look at the historical price chart. Yawn. Stay the course.
by am
Sun Nov 13, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve: Too good to be (completely) true
Replies: 150
Views: 17144

Re: Chase Sapphire Reserve: Too good to be (completely) true

Travel cancellation insurance is valuable since we buy it anyways. The one we buy however can be cancelled for any reason with loss of about 25% cost while the sapphire only covers sickness. 3% dining and travel makes me keep it past the first year since we travel and eat out quite a bit probably 40...
by am
Sun Nov 13, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Advice on car purchase
Replies: 16
Views: 1973

Re: Advice on car purchase

How about getting the best possible price? Are there places or websites where you can get the best possible deal or is this a function of your bargaining abilities at the dealership?
by am
Sat Nov 12, 2016 6:02 pm
Forum: Personal Consumer Issues
Topic: Advice on car purchase
Replies: 16
Views: 1973

Re: Advice on car purchase

Do I need to look into car history like repairs and accidents? Is this even available?
by am
Sat Nov 12, 2016 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 63
Views: 5999

Re: Go part time number

Given pension starts at 62 for about 22k/yr and SS at 62 would prob. be 15k/yr, seems like I would have to bridge gap of about 20 yrs until than with part time work and let portfolio grow with a little bit of savings each yr. But both state pension and SS are uncertain so is future market growth, li...
by am
Sat Nov 12, 2016 2:33 pm
Forum: Personal Consumer Issues
Topic: Advice on car purchase
Replies: 16
Views: 1973

Re: Advice on car purchase

I buy certified pre-owned luxury cars that come off a 3-year lease. The one's I have bought are in great shape and around $30K. These models don't change outward appearances very much and most folks cannot tell the difference between a 2016 and a 2012 model. This is not the same as buying a 3-year ...
by am
Sat Nov 12, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Go part time number
Replies: 63
Views: 5999

Go part time number

Anyone here planning on going part time when they reach a certain portfolio size? I am early 40s MD who has about 8.2-10x desired expenses in retirement saved, paid off house, and about 1/2 of goal for college savings. Save about 1/3rd of income every year in taxable and tax deferred. I am trying to...
by am
Sat Nov 12, 2016 2:17 pm
Forum: Personal Consumer Issues
Topic: Advice on car purchase
Replies: 16
Views: 1973

Advice on car purchase

I currently have a 07 328 BMW with 92k miles which I bought new before I was a boglehead. Recently had several repairs with latest being a cylinder in the engine and some other minor problems. Although I would like to drive this car for another 5+ yrs (10k miles/yr), I am realistic and have started ...
by am
Sun Nov 06, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Please help with choosing a fund for a SURS pension account
Replies: 8
Views: 626

Re: Please help with choosing a fund for a SURS pension account

I would go with the guaranteed 7% since it is unlikely that you will beat this given future predictions for stock and bond returns. That being said, Surs pension is the most underfunded pension in the nation and I am not sure how they can promise such a return and how the entire system will not coll...
by am
Thu Nov 03, 2016 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Update on CCFs [Collateralized Commodities Futures]
Replies: 17
Views: 1233

Re: Update on CCFs

Ccfs are purely speculation, have no expected return, expensive, and unnecessary for most.
by am
Thu Oct 27, 2016 8:40 pm
Forum: Investing - Theory, News & General
Topic: 2017 401K and IRA Contribution Limits
Replies: 12
Views: 1953

Re: 2017 401K and IRA Contribution Limits

I believe the maximum salary that match from 401k applies to went up to 270k.
by am
Wed Oct 19, 2016 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve
Replies: 96
Views: 11610

Re: Chase Sapphire Reserve

100000 points= 1k cash or 1.5k for travel through their portal

300 dollar travel credit once for this yr and once for next for one annual fee.

Truly free money assuming you can get approved and spend 4K in 3 months.
by am
Tue Oct 11, 2016 9:51 pm
Forum: Personal Consumer Issues
Topic: HSBC Bank- Easy (???) $350 bonus
Replies: 44
Views: 6030

Re: HSBC Bank- Easy (???) $350 bonus

I applied, heard nothing for 2 weeks, than had a debit from my checking account for 2k without warning.Must have wrote that in as my initial deposit on app. Was alarmed and ready to call them. Got a few emails later in the day welcoming me. Now waiting on password to arrive in snail mail so I can ge...
by am
Tue Oct 11, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Big medical bill with HSA question
Replies: 1
Views: 404

Big medical bill with HSA question

Recently payed for my child's braces costing 5k. The insurance company will pay us $500 quarterly for the next year. Should I reimburse myself 5k or 3k from the HSA account. I think it should be 3k since insurance is covering 2k, but maybe different rules apply since the payments from the insurance ...
by am
Wed Oct 05, 2016 1:49 pm
Forum: Investing - Theory, News & General
Topic: BlackRock Cuts Prices on ETFs
Replies: 62
Views: 5179

Re: BlackRock Cuts Prices on ETFs

The fees are not trivial. At .1 ER I pay 750 dollars a yr and at .05 I pay 375. That's a lot to me. I welcome even 1 basis point of discount. Easiest way for me to make money.
by am
Mon Oct 03, 2016 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab account any good/unique features?
Replies: 22
Views: 2123

Re: Schwab account any good/unique features?

I noticed there are some exotic alternative etfs like ProShares Morningstar Alternatives Solution ETF ALTS:Consolidated Issues listed by BATS Exchange which are no transaction fees. This consists of etfs specializing in mergers, long/short, hedge replication, private equity and some others. I realiz...
by am
Sun Oct 02, 2016 12:40 pm
Forum: Investing - Theory, News & General
Topic: Average stock returns over next 50 years
Replies: 11
Views: 1981

Re: Average stock returns over next 50 years

Given that no one can predict stock return over the next week, year, decade, I wonder what the margin or error is for 50 yrs. We can't predict nothing even around here. I remember a post here by a respected author years back about reits and the coming disappointing returns given valuations. Still wa...
by am
Sat Oct 01, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Yields on Money Market Funds
Replies: 5
Views: 751

Re: Yields on Money Market Funds

Why is tax exempt mm .66 yield? Seems high.
by am
Sat Oct 01, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Schwab account any good/unique features?
Replies: 22
Views: 2123

Schwab account any good/unique features?

I opened a Schwab checking and brokerage account a while ago mostly because I had a referral bonus. Are there any features or investments which Fidelty or Vanguard do not offer?
by am
Wed Sep 28, 2016 11:31 am
Forum: Investing - Theory, News & General
Topic: How Interest Rates Affect Stock Market Returns
Replies: 3
Views: 673

Re: How Interest Rates Affect Stock Market Returns

Except this time around we have high stock valuations. So low interest rates are unlikely to produce high returns. Let's hope I'm wrong!
by am
Tue Sep 27, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: 1 million to add to vanguard
Replies: 68
Views: 6254

Re: 1 million to add to vanguard

I would invest asap. No ones knows where markets are going.
by am
Sun Sep 25, 2016 11:30 am
Forum: Investing - Theory, News & General
Topic: "In Defense of Bonds"
Replies: 35
Views: 5285

Re: "In Defense of Bonds"

I think bonds currently are just not a good deal right now. BND is sitting at a 1.89% yield. Even if I didn't want to be 100% in equities why wouldn't I just get at 3% CD instead of bonds? It isn't a option for institutional investors but it sure is for most of us. Good point. How about for mid car...
by am
Sun Sep 25, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: "In Defense of Bonds"
Replies: 35
Views: 5285

Re: "In Defense of Bonds"

Another great post from the same blog : https://earlyretirementnow.com/2016/05/ ... tock-risk/

Bonds may be far more risky than stocks over the long term as they are likely to return negative real returns in the current environment,
by am
Sun Sep 25, 2016 8:57 am
Forum: Investing - Theory, News & General
Topic: "In Defense of Bonds"
Replies: 35
Views: 5285

Re: "In Defense of Bonds"

Saw this blog post recently about bonds offering little diversification: https://earlyretirementnow.com/2016/08/ ... is-a-myth/

Seems to me that by investing in bonds, we are giving up short term volatility for very likely better long term returns.
by am
Fri Sep 23, 2016 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 17219

Re: Net Worth Milestone Today - $1.5M

I think cars should be counted in networth as they can be sold for cash if needed. I don't because I am too lazy to get the value :D
by am
Fri Sep 23, 2016 6:53 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 192
Views: 17015

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I had a workplace HSA account and brokerage account years ago. I wonder if I am eligible for this bonus? I don't know if an HSA is eligible, or if TDA even has them. Something you could ask. I don't know what the second part of the question means. Could you clarify? Earl I remember reading that the...
by am
Fri Sep 23, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 192
Views: 17015

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

For the 1k bonus for 250k transfer, can you transfer Vanguard etfs and intern. Muni fund without fees? Can you buy more of these every month without fees? Can you transfer back to Vanguard after some time (not sure why I would want to anymore). Thanks. Definitely you can transfer in any Vanguard ET...
by am
Fri Sep 23, 2016 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Milestone Today - $1.5M
Replies: 128
Views: 17219

Re: Net Worth Milestone Today - $1.5M

How old are you and what is your income/bracket? In any case, you are in the top percentiles of net worth in this country. Congratulations!
by am
Fri Sep 23, 2016 5:45 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 192
Views: 17015

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I was knocking off a couple more transfers, including one for TD Ameritrade. This is $1000 for 250k transfer, similar to this one: https://www.tdameritrade.com/offer/300freetrades/ But targeted for existing accounts. A change is that TDA now allows doing an electronic signature on transfer requests...
by am
Thu Sep 22, 2016 9:52 pm
Forum: Investing - Theory, News & General
Topic: Help understanding the attraction to W & W [Wellington/Wellesley]
Replies: 38
Views: 4161

Re: Help understanding the attraction to W & W [Wellington/Wellesley]

Yes, a possible key to the appeal of Wellington and Wellesley is simply name recognition due to age and mutual fund size. Wellington, founded in 1929, might be the second-oldest surviving mutual fund is the fifth-oldest mutual fund (see lack_ey's post below). (MFS's Massachusetts Investors' Trust, ...
by am
Thu Sep 22, 2016 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: $200 Cash Back after spending $500
Replies: 3
Views: 986

Re: $200 Cash Back after spending $500

There are blogs and websites such as doctor of credit dedicated to deals, bonuses, high yield accounts, etc. If your aggressive, don't mind a little work, have good credit and liquid funds, you can be paid well for your efforts. This offer is nothing special compared to some previous ones I have see...
by am
Thu Sep 22, 2016 9:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard Emerging Markets Stock Index Fund completes transition to new index
Replies: 19
Views: 2851

Re: Vanguard Emerging Markets Stock Index Fund completes transition to new index

Is this one of the only low,priced index funds to include China A shares or small cap emrging? Do any of the Fideltiy funds offer this? How about total international from Vanguard?
by am
Tue Sep 20, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: I have $3,000 to gamble
Replies: 71
Views: 7923

Re: I have $3,000 to gamble

Every time I get the urge to gamble with 1-5% of my assets, i think that this will make no difference in the short or long run, add complexity, and likely make me lose lose money. I did a stock market simulation app betting on oil, commodities, and Greece with 100k and lost a ton while the us market...
by am
Tue Sep 20, 2016 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: 25X Expenses/Pensions
Replies: 8
Views: 1153

Re: 25X Expenses/Pensions

When the 25 (or whatever number) X expenses rule of thumb is bandied about for purposes of a retirement nest egg, does the 25X include the present value of any pensions one is entitled to now or in the future? thanks It includes anything not covered by pensions, SS, annuities, etc. If you have $5,0...
by am
Tue Sep 20, 2016 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Why is QSPIX steadily declining?
Replies: 40
Views: 4751

Re: Why is QSPIX steadily declining?

I personally don't think the great majority of people can stick with factor investing given the tracking error, high costs, and increased complexity. While the data has been mined from the past, it is questionable in my opinion that all these factors will persist into the future given the informatio...
by am
Mon Sep 19, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: New fidelity total intern. Index question
Replies: 7
Views: 707

Re: New fidelity total intern. Index question

brisni wrote:I also have a brokerage link and use FSGDX for that purpose. It covers the whole world outside of US. It's 21% in emerging markets.

https://fundresearch.fidelity.com/mutua ... /316146141


That's the one I have but It does not include small caps. The new fund Ftipx does.
by am
Mon Sep 19, 2016 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: New fidelity total intern. Index question
Replies: 7
Views: 707

Re: New fidelity total intern. Index question

I have brokerage link. I think it would be better to have an all cap foreign developed and emerging fund. The current one I have through Fideltiy is large cap developed + emerging.
by am
Mon Sep 19, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 58
Views: 5208

Re: What Percentage To Put In International Stock?

I recommend increased international closer to 40% as international has better valuations and has underperformed us recently. Additionally, international has a gloomier outlook in my mind which means it will surely return more in the future :D
by am
Mon Sep 19, 2016 9:24 am
Forum: Investing - Help with Personal Investments
Topic: New fidelity total intern. Index question
Replies: 7
Views: 707

Re: New fidelity total intern. Index question

This is 401k. My main concern is with tracking error. I also am concerned that the fund has not acquired all holdings. It holds an India index fund from another fund company-is that a concern? Tiny chance it won't survive? There is a 1% redemption fee for the large cap tot. Intern. But I can convert...
by am
Mon Sep 19, 2016 9:16 am
Forum: Investing - Help with Personal Investments
Topic: New fidelity total intern. Index question
Replies: 7
Views: 707

New fidelity total intern. Index question

I am thinking of switching to the new all cap total intern. Index fund at Fidelity but noticed that it has low assets of 30 mil and just got started. Would it be wise to wait until assets increase and the fund is more mature to switch current holding from the large cap total intern. fund?
by am
Sun Sep 18, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 58
Views: 5208

Re: What Percentage To Put In International Stock?

It depends on how well international does in the future. Anything from 0 to market cap (about 50%) is reasonable.

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