Search found 4113 matches

by bloom2708
Thu Jun 21, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Funds allocations for taxable account and IRA.
Replies: 5
Views: 349

Re: Funds allocations for taxable account and IRA.

With no 401k, bond placement will be a bit of a challenge. You have two options: 1. Put all your bonds in your Roth IRA and do Total US + Total International in taxable. You could do this by dropping down to Target 2030 (or similar) to get a mix of bonds in Roth. 2060 has ~5% bonds. This will work ...
by bloom2708
Thu Jun 21, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: is Ed Jones always bad news?
Replies: 27
Views: 2427

Re: is Ed Jones always bad news?

I don't think you will find any under .50% expense ratio. Is he in any Advisory Solutions products? That carries the 1.35% all inclusive management fee. My parents expense ratios were (they got out) in the .54% to 2.0% range. None lower than that. Lots of up front sales loads and they had 2 accounts...
by bloom2708
Thu Jun 21, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: help, inheritance of $3.5M, read & read BogleH, & still in the dark
Replies: 25
Views: 2896

Re: help, inheritance of $3.5M, read & read BogleH, & still in the dark

Lots of good advice. A demure $1 million home for a "frugal" person. Hmmm. Is moving an option with your new pile of cash money? Move somewhere where a $350k home is very nice. Lower taxes. Lower everything. Put $3 million in the Vanguard Tax Managed Balanced Admiral fund. Send dividends to your set...
by bloom2708
Thu Jun 21, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement myth
Replies: 14
Views: 1249

Re: Early retirement myth

To me, I don't get irritated. Perhaps a bit jealous. Financially Independent is the better term. I call it the "FI trap" because it sounds good. Looks good. But, most people aren't willing to do the things (long term/short term) to do what a select few are doing. So, we trudge along with the FI carr...
by bloom2708
Thu Jun 21, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: What should be my stock/bond allocation?
Replies: 21
Views: 1418

Re: What should be my stock/bond allocation?

5-6% withdrawal is $400k-$480k each year. Even $8 million won't sustain that level of spending for long. How "accurate" is the 5-6% withdrawal amount? It that just a high guess? I try to put myself in your shoes. $8 million is a nice amount of money. Balancing risk/spending. Is this what the Vanguar...
by bloom2708
Thu Jun 21, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Funds allocations for taxable account and IRA.
Replies: 5
Views: 349

Re: Funds allocations for taxable account and IRA.

With no 401k, bond placement will be a bit of a challenge. You have two options: 1. Put all your bonds in your Roth IRA and do Total US + Total International in taxable. You could do this by dropping down to Target 2030 (or similar) to get a mix of bonds in Roth. 2060 has ~5% bonds. This will work u...
by bloom2708
Thu Jun 21, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Hands-free solutions
Replies: 15
Views: 502

Re: Hands-free solutions

I drive a 10 year old truck. I installed a bluetooth adapter to work with my factory radio. It works really well. We have had similar ones in other cards. I love it because I listen to Podcasts almost every day on my commute and this makes it really easy. It works well for phone calls also. I'm pre...
by bloom2708
Wed Jun 20, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire TV Cube
Replies: 6
Views: 526

Re: Amazon Fire TV Cube

With our Apple HomePod I looked at the HomePod, it seems even more crippled than Alexa although the speaker sounds pretty good. Google has the best speech recognition at a cost of privacy. Actually the Cable Providers are really going to have to step it up as well in this home theater box battle. C...
by bloom2708
Wed Jun 20, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: What should be my stock/bond allocation?
Replies: 21
Views: 1418

Re: What should be my stock/bond allocation?

I think 50/50 or 60/40 would be in the mix. 40/60 is on the conservative side at 52. You still have 40 years to go (hopefully). My parents in their 70s are 40/60. Asset allocation is very personal, so if 40/60 is where you can sleep well at night and not think about it, then 40/60 is fine. 50/50 mig...
by bloom2708
Wed Jun 20, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire TV Cube
Replies: 6
Views: 526

Re: Amazon Fire TV Cube

The Cube looks interesting. Continuing to add features. I note Amazon is releasing a new FireTV virtually each year. Built in obsolescence with a pretty high price point. One of my kids was watching a Netflix series for younger people. The main character was "Alexa". They said the name over and ove...
by bloom2708
Wed Jun 20, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire TV Cube
Replies: 6
Views: 526

Re: Amazon Fire TV Cube

The Cube looks interesting. Continuing to add features. I note Amazon is releasing a new FireTV virtually each year. Built in obsolescence with a pretty high price point. One of my kids was watching a Netflix series for younger people. The main character was "Alexa". They said the name over and over...
by bloom2708
Wed Jun 20, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: new investor at 57
Replies: 8
Views: 1101

Re: new investor at 57

You would keep your Roth IRA. Open a Traditional IRA along side and put the $6,500 into the pre-tax/traditional side. That will lower your income and save you the tax. That was the guidance above. It probably won't make a huge difference if you do Roth or Pre-tax. Your income will be low, so you lik...
by bloom2708
Wed Jun 20, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mid career retirement planning, HCOL area
Replies: 4
Views: 759

Re: Retirement and future planning

1. I would agree. How long have you been at $450k? 70/30 seems reasonable, but you could be 75/25 if you can ride out the dips. 2. This is where I say "you can have anything you want, just not everything". Your salary is up in a range where the tax you pay is 2x most people salary. I think you will ...
by bloom2708
Wed Jun 20, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice For Portfolio Construction
Replies: 4
Views: 315

Re: Seeking Advice For Portfolio Construction

Welcome. The 3 fund portfolio is an excellent option. There are always some "buts". The Total US Bond portion interest is ordinary income, taxed at your highest marginal rate. There is no 28% bracket in 2018. So likely 12% or 22% based on what you listed as income. We would have to know your AGI est...
by bloom2708
Wed Jun 20, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 35
Views: 1841

Re: Need new Cable Modem + Router - Please recommend

I would buy separate units. Your cable provider should have a list of compatible/approved cable modems that support the DOCSIS (3.0/3.1) version that is current. That should be under $100. Arris/Motorola is a good brand. We have a Hitron brand. Then buy a Google Wifi (single or 3 pack) or another si...
by bloom2708
Wed Jun 20, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Considering adding VWALX; pros-cons
Replies: 13
Views: 1148

Re: Considering adding VWALX; pros-cons

I am ok with back testing in certain scenarios. Look and see how VWALX did during the 2007 to 2009/10 market swoons. Total return for VWALX in 2008 was -10.39% vs VTI (total stock market) at -36.97%. So certainly not as stable as a savings account but not really anywhere near as volatile as stocks ...
by bloom2708
Wed Jun 20, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: NEW Here! 401K/IRA - AA Assistance
Replies: 2
Views: 184

Re: NEW Here! 401K/IRA - AA Assistance

I would stick with the single fund in your 401k. The other expense ratios are not good. Your 20% bonds should go in your Rollover IRA. Adjust that account to have a Total US Bond index. No tax consequences for selling/re-arranging in a Rollover IRA. That allows you to have stocks in your other funds...
by bloom2708
Wed Jun 20, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Considering adding VWALX; pros-cons
Replies: 13
Views: 1148

Re: Considering adding VWALX; pros-cons

I understand. The high yield/junk bonds tend to act like stocks when stocks are dipping/dropping. That is not what you want from the bond side of your portfolio. I am ok with back testing in certain scenarios. Look and see how VWALX did during the 2007 to 2009/10 market swoons. The best scenario is ...
by bloom2708
Wed Jun 20, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Considering adding VWALX; pros-cons
Replies: 13
Views: 1148

Re: Considering adding VWALX; pros-cons

Add 5% to the stock side/allocation of your portfolio if you want to reach for more return.

Stick with Int-Term Tax-Exempt in this rising interest rate environment.

High yield will lower the quality, extend the duration out or both. The bond side is for stability and some return.
by bloom2708
Tue Jun 19, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: new investor at 57
Replies: 8
Views: 1101

Re: new investor at 57

Welcome. If taxable, how about the Vanguard Tax Managed Balance fund? ~47/53. Or LifeStrategy Conservative Growth (60/40). Putting the $25k in 100% stocks might be rough if we hit a big decline in the markets. Keep expenses low, save what you can, keep renting and keep rent low. Being single, you ar...
by bloom2708
Tue Jun 19, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 118
Views: 6178

Re: gray hair

Embrace the grey. 75% grey at 47.

#2 clipper, right/left ear taper on clipper, every 2-3 weeks. $0

I work with a guy who is probably 50 and had curly, dark brown hair. He dyes it and it ends up darker than his natural hair. You can tell it is dyed from 75 feet away. Embrace the grey.
by bloom2708
Tue Jun 19, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 4000

Re: Shorting Amazon

If I get an "itch" a "feeling" a "hankering" a "hunch" a "tip" a "deal I can't refuse" etc. I ignore myself.

Just say no to investing based on emotions. :wink:
by bloom2708
Mon Jun 18, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1606

Re: One handed Android phone?

Blu makes a series of unlocked GSM Android smartphones in a variety of sizes. They are pretty cheap too. Search eBay for the different sizes and prices. Stay away! Blu has been caught multiple times preloading spyware on their phones. Here's the story from last year when Amazon pulled them after th...
by bloom2708
Mon Jun 18, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage or 401k withdrawal
Replies: 4
Views: 464

Re: mortgage or 401k withdrawal

Welcome. Whether to have a mortgage in retirement is a lifestyle decision. Personally, I would not/do not want a mortgage in retirement. You should do some marginal tax bracket calculations. Withdrawing the full $120k in 2018 might/will send you up into the 24% tax bracket. It might make sense to do...
by bloom2708
Mon Jun 18, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Having a hard time pulling the trigger...
Replies: 25
Views: 2360

Re: Having a hard time pulling the trigger...

Are you maxing out your pre-tax 401k? Use some of the bonus to increase your pre-tax 401k amount to hit $18,500 (not counting any match) for 2018. You could set some aside for a bump to 2019 income and max 2019 pre-tax 401k at $18,500 as well. $5,500 for 2018 back door Roth IRA. $5,500 for 2019 back...
by bloom2708
Mon Jun 18, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Best Index Fund for HSA
Replies: 4
Views: 579

Re: Best Index Fund for HSA

I use a low cost, target date fund that matches my overall mix of stocks and bonds in our HSA. 2035 is our current pick as it matches our desired allocation for all our investments. With a starting out balance, 100% Total US is fine. If your HSA balance grows (hopefully), you may not want to see it ...
by bloom2708
Mon Jun 18, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check on House Purchase
Replies: 13
Views: 1667

Re: Sanity Check on House Purchase

Is anything going into your 401ks or Roth IRAs? Or is your net of $4,880 what is left after retirement savings? The house price seems very reasonable. Daycare seems light, but I understand if your parents are helping. A second child will make that even tighter. If you add 20/30 minutes to your commu...
by bloom2708
Mon Jun 18, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1606

Re: One handed Android phone?

If the SE is too small (4") and the iPhone 6/7/8 (4.7") is too big, there isn't much in between. The regular iPhone 8 is still one of the smallest screens left out there. Most are 5", 5.5", 5.7", 6.0", etc. A black thin case with a black pop-socket might be the best solution. The phone doesn't lay f...
by bloom2708
Sat Jun 16, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 451
Views: 100013

Re: Anyone regret paying off mortgage early?

I regret pay off 4.5% mortgage. I should have invested in Total Stock Index to get the 11% return . BTW, the 4.5% effective rate for me is 4% after the mortgage tax deduction. Even during the 2008 crisis with every equity 40% off, if you stay in course for 2 more years, you will still ahead of payi...
by bloom2708
Fri Jun 15, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: SleepScore App
Replies: 11
Views: 1097

Re: SleepScore App

My Samsung GearFit 2 gives me a sleep score (as a percentage) every morning. It tells me how long I've been asleep. It tracks your restless periods (moving, tossing, turning) and your motionless time periods. It gives you a little bar chart. I find it quite informative. It allows you to go to the re...
by bloom2708
Fri Jun 15, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5059

Re: A vehicle that "sits up" but can't afford CRV

Look for a one owner, cared for, serviced Lexus RX 350 from 2008 to 2011 with low miles. They exist. Just another option. People that buy new Lexus tend to take care of them. They also tend to buy another new Lexus. For some reason people don't want to buy used Lexus vehicles. That seems to drive th...
by bloom2708
Fri Jun 15, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: 401 k to. Roth rollover - min taxes?
Replies: 15
Views: 839

Re: 401 k to. Roth rollover - min taxes?

Don't purposefully pay tax now. Defer to 30 years down the road. Let your pre-tax dollars grow. I really don't care if 10% or 12% or 22% is "low". Nobody knows what the tax rates will look like 30 years, 40 years down the road. There are no gains/losses in a 401k or Roth IRA, so that does not matter...
by bloom2708
Fri Jun 15, 2018 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early
Replies: 43
Views: 3468

Re: Paying off mortgage early

I have absolutely no idea what you mean. Can you not explain what you meant that passing away with a big mortgage at a ripe old age is sub-optimal? I'm not trying to argue - just trying to understand. Let's say you are 26 and stumble into Bogleheads. You put together a plan for 30 years down the ro...
by bloom2708
Fri Jun 15, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6613

Re: can we afford to spend $20K on travel annually

Take vacations when you can. $20k is a big budget for a family of 4. Trips don't have to be super expensive to be memorable. Your kids are 4/5. In a few years, you will see their activities increase. As our kids grew up and joined activities, it was harder to miss those things. Plan your next trip. ...
by bloom2708
Thu Jun 14, 2018 6:16 pm
Forum: Personal Consumer Issues
Topic: Cheap, fuel efficient 2nd car commuting?
Replies: 17
Views: 1411

Re: Cheap, fuel efficient 2nd car commuting?

Newer commuter + old truck.
by bloom2708
Thu Jun 14, 2018 12:01 pm
Forum: Investing - Theory, News & General
Topic: Target date funds offered to Vanguard crew
Replies: 6
Views: 864

Re: Target date funds offered to Vanguard crew

This is quite common.

Large businesses can get institutional shares (Class K shares). Behind the scenes they may be identical to the regular Target Date funds. Costs are likely lower. A bigger pool of money buys them lower costs.
by bloom2708
Thu Jun 14, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early
Replies: 43
Views: 3468

Re: Paying off mortgage early

I know there are some that want to pass away with a big mortgage (at a ripe old age), but that plan is sub-optimal. Sub-optimal in what way? Not everyone stumbles into Bogleheads at 26. I get that. In another dimension high school graduates are issues their Bogleheads username and password. :wink: ...
by bloom2708
Thu Jun 14, 2018 11:28 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8870

Re: I was rear ended and the other guy wants a payout!

chevca wrote:
Thu Jun 14, 2018 11:19 am
bloom2708 wrote:
Thu Jun 14, 2018 11:12 am
The vehicle striking the rear of another vehicle while moving in traffic is ALWAYS at fault.
Negative.
If something happens in front of me. I stop short. The vehicle behind me hits me. He is at fault. Not the driver in front of me. Not me. Vehicle control.
by bloom2708
Thu Jun 14, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Where to roll over Roth 401k to
Replies: 8
Views: 604

Re: Where to roll over Roth 401k to

With the information provided, leave it where it is.

401k to next 401k is the best option if she returns to work and has a 401k that allow roll-ins.
by bloom2708
Thu Jun 14, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 106
Views: 8870

Re: I was rear ended and the other guy wants a payout!

The vehicle striking the rear of another vehicle while moving in traffic is ALWAYS at fault. Vehicle control. Your insurance should be handling this. Do not respond directly. All contact should be insurance to insurance. It is a money grab. He is at fault. If he shows up with a neck brace and crutch...
by bloom2708
Thu Jun 14, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early
Replies: 43
Views: 3468

Re: Paying off mortgage early

The mortgage has to go at some point. I just read a thread with a 57 year old with a large mortgage set to go through age 84. Gulp. I know there are some that want to pass away with a big mortgage (at a ripe old age), but that plan is sub-optimal. There is some personal preference, balance with a de...
by bloom2708
Thu Jun 14, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Non-alcoholic drinks for wedding
Replies: 79
Views: 3557

Re: Non-alcoholic drinks for wedding

Mix 1 part 7 up/Sprite with 1 part lemonade or strawberry lemonade or fruit punch. Think 2 liter bottles or gallon containers.

Add some fresh strawberries/blueberries and ice. No need to get complicated. This makes a pretty refreshing drink.
by bloom2708
Wed Jun 13, 2018 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: First Brokerage Account
Replies: 2
Views: 365

Re: First Brokerage Account

From the Wiki: With Fidelity, for example, you could construct a three-fund portfolio using: Fidelity Total Market Index Fund Investor Class (FSTMX) or Premium Class (FSTVX) Fidelity Total International Index Fund Investor Class (FTIGX) or Premium Class (FTIPX) Fidelity U. S. Bond Index Fund Investo...
by bloom2708
Wed Jun 13, 2018 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: FIRE to Sweden from Switzerland on 1M euro?
Replies: 16
Views: 1275

Re: FIRE to Sweden from Switzerland on 1M euro?

In the US, $1 million dollars isn't what it used to be. I don't know if the same applies for 1 million Euro.

Jag alsker ol. Jag drikker ol.
by bloom2708
Wed Jun 13, 2018 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocation
Replies: 6
Views: 781

Re: Help with allocation

I may not be able to help much, but will provide a bump. Are you a US citizen moving to Europe? Will you maintain your US citizenship? Will you return to the US? 75/25 is quite aggressive for retirement, but we don't have enough details to see the full picture. Are your expenses covered by a pension...
by bloom2708
Tue Jun 12, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 41
Views: 5831

Re: Vaguard - You'll need to sign up for security codes soon

Yes, you can use your phone number for both account security codes.

I use the "Remember my device" option. It will only ask for the code if you log on from a new device.

The more secure option is to require the code every log in. I think that is overkill (currently) as we have a laptop and a phone.
by bloom2708
Mon Jun 11, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Respectfully Looking for Advice
Replies: 18
Views: 1995

Re: Respectfully Looking for Advice

Welcome to Bogleheads. You are in the right place to improve your situation. How did you get to 57/60 with so little in 401ks/IRAs and no pensions? Not trying to be blunt, just an observation. I think you are right to start making a plan. What are your annual expenses? Will SS cover your monthly exp...
by bloom2708
Mon Jun 11, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: Two Year Old Leftover Car
Replies: 15
Views: 1308

Re: Two Year Old Leftover Car

Interesting. I would stick with the 2018 unless you can get a pretty crazy good deal on the 2017. Most likely, the dealer is getting incentives based on the current model year only. The 2017s are not the priority to sell. It is interesting they they aren't discounted. Do a kbb on a 2017 model with 5...
by bloom2708
Mon Jun 11, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Anyone use Bluehost for web hosting?
Replies: 12
Views: 696

Re: Anyone use Bluehost for web hosting?

I am looking for a web host for my small business. From what I've read, it makes sense to use WordPress. Bluehost is highly rated as a web host for a WordPress site. My needs: simple website, a few email addresses, blogging capability. Any reasons not to go with Bluehost? Or suggestions for a bette...
by bloom2708
Mon Jun 11, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: No Roth 401k - Workaround?
Replies: 9
Views: 775

Re: No Roth 401k - Workaround?

1. Max pre-tax savings to $18,500
2. Use the tax savings + additional money to fund the Roth IRA to $5,500

Do not pay tax now with a 30-40 year window.