Search found 28 matches

by bobf
Fri Apr 21, 2017 2:27 pm
Forum: Investing - Theory, News & General
Topic: Schwab Target Index Funds Investor Shares drop (.08%)
Replies: 21
Views: 1736

Re: Schwab Target Index Funds Investor Shares drop (.08%)

Excellent news! My teenager has his Roth IRA in their 2060 fund, both because of Schwab's low $100 initial investment to open and because even before this latest drop, their ER was the lowest. Schwab is positioning themselves very attractively for young people IMO. I agree, and with banking too. Ba...
by bobf
Thu Apr 20, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: SWLBX Liquidation... what happens to my shares?
Replies: 2
Views: 286

SWLBX Liquidation... what happens to my shares?

Hi All, According to this press release http://www.businesswire.com/news/home/20170419006299/en/Schwab-Liquidate-Funds and according to this article: http://www.barrons.com/articles/cue-the-tiny-violins-for-these-two-schwab-funds-1492634379 Schwab is making " a change regarding its planned reor...
by bobf
Tue Jan 10, 2017 3:18 pm
Forum: Personal Consumer Issues
Topic: Are $50 drugstore and supermarket "drones" any fun?
Replies: 18
Views: 2320

Re: Are $50 drugstore and supermarket "drones" any fun?

The one I had had the most fun with is a Micro quad about the size of a match book that you can easily fly indoors. https://www.amazon.com/Cheerson-CX-10-Mini-Quadcopter-Drone/dp/B00KXZC762 My other toy quad is a small $50 Hubsan 107 https://www.amazon.com/Hubsan-H107L-Royal-Propeller-Protection/dp...
by bobf
Wed Dec 21, 2016 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage recast strategy - Feedback needed
Replies: 54
Views: 4969

Re: Mortgage recast strategy - Feedback needed

I'm curious to the responses you receive as I'm interested in a similar but not as aggressive strategy
by bobf
Fri Nov 04, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bad deal [Rent vs. buy for co-op]
Replies: 38
Views: 3123

Re: Bad deal [Rent vs. buy for co-op]

ha ha i dont think i have energy to put it all down coherently but needless to say if you do the math sort thru my numbers u will see that renting would have made me a little better off but not by a big margin That is all i can say I think what you're saying is I'm going to believe what I want beca...
by bobf
Wed Nov 02, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard still the best place for my account?
Replies: 32
Views: 3997

Re: Is Vanguard still the best place for my account?

I've helped set my GF up with vangaurd and they seemed fine if a bit clunky from a website and phone transaction perspective. Now for me... Charles Schwab hands down. I've never paid schwab a dime outside of standard expense ratios (which are comparable to and in some cases better than vanguard) and...
by bobf
Wed Nov 02, 2016 11:30 am
Forum: Investing - Help with Personal Investments
Topic: First Time maxing 401k
Replies: 17
Views: 1694

Re: First Time maxing 401k

Polymath wrote:Awesome, congrats.
The achievement of maxing it out is nice, but the real story of accomplishment here is the discipline to put the majority of your raises into your 401k.
Well done sir/mam.


Thanks! And yea it was quite hard to keep bumping the 401k, but I did what had to be done.
by bobf
Wed Nov 02, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: First Time maxing 401k
Replies: 17
Views: 1694

Re: First Time maxing 401k

Congratulations! A random thought, if a Roth 401K is available to you consider it. In a 25% bracket, I would add extra money to a RothIRA (or backdoor RothIRA) before switching a maxed-out 401k from tax-deferred to Roth401k. A Roth IRA is quite accessible - all contributed funds can be pulled out a...
by bobf
Tue Nov 01, 2016 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: First Time maxing 401k
Replies: 17
Views: 1694

Re: First Time maxing 401k

A random thought, if a Roth 401K is available to you consider it. I am sitting on a lot of 401k money that I will eventually pay tax on. RMD's Medicare Surtaxes come into play. At your age, over the years you may be as well. Roth 401k was not available until late in the game for me. I wish I had ta...
by bobf
Tue Nov 01, 2016 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: First Time maxing 401k
Replies: 17
Views: 1694

First Time maxing 401k

Needed to announce somewhere, i'm so excited to have maxed my 401k for the first time at age 32. I've put >80% of my raises to 401k for years and finally next year I get to give myself a full amount of my raise. I had calculated it out to max at my last check of the year, but unlike in years past th...
by bobf
Tue Jul 26, 2016 11:23 am
Forum: Personal Consumer Issues
Topic: Passport Nightmare
Replies: 32
Views: 4613

Re: Passport Nightmare

I don't understand what you mean by name change. They want him to change his legal name to match a typo? I doubt that's what they are asking. Probably they want him to go to the state birth certificate authority and have it corrected there. Whomever he was dealing with at the Passport Agency probab...
by bobf
Tue Jun 07, 2016 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Investing when you have an estranged spouse
Replies: 274
Views: 18269

Re: Investing when you have an estranged spouse

Personally I think it's been useful to read and follow the threads, I'm sorta / kinda in a three fund portfolio but was also interested in some alternate strategies such as this dogs of the dow that I was unfamiliar with. While I think all the advice to simplify is good. I think that letting the OP ...
by bobf
Thu May 19, 2016 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Equity Dividend Fund / ETF at Schwab?
Replies: 14
Views: 1393

Equity Dividend Fund / ETF at Schwab?

Hi All, I'd like to add a dividend focused equity fund to my mix, this will be in my taxable account (currently a 3 fund portfolio with the following breakdown: 40% SWTSX SCHWAB TOTAL STOCK MKT 30% SWISX SCHWAB INTL INDEX FUND 30% SWLBX SCHWAB TOTAL BD MKT FUND I realize that dividends are not the m...
by bobf
Wed May 11, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: One Week "Sabbatical"
Replies: 43
Views: 4917

Re: One Week "Sabbatical"

Iceland
by bobf
Sat Apr 16, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) with sky-high fees vs. tax-advantaged account?
Replies: 20
Views: 1359

Re: 401(k) with sky-high fees vs. tax-advantaged account?

yea I must say, i'm at an (even smaller company) and I'm maxing my 401k with them, I dont' have even 1 offering under 1%. I would kill for your selection. I bet it's in the top 25% of 401k out there for companies your size.
by bobf
Wed Feb 10, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Is Canada on sale? [Currency exchange rate vs. USD]
Replies: 30
Views: 3680

Re: Is Canada on sale?

Montreal has been our "out to dinner" city for the past 40 years as we are about 90 minutes away. We visit Quebec City less frequently and are just back from there and it was a bargain compared to other large North American cities. A wonderland old town apartment, two large bedrooms, huge...
by bobf
Wed Dec 30, 2015 8:49 am
Forum: Personal Consumer Issues
Topic: Cash for Gift Cards: What is the best method?
Replies: 13
Views: 1265

Re: Cash for Gift Cards: What is the best method?

care to elaborate on this?
by bobf
Fri Dec 04, 2015 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Compareable funds to SCHE and SCHF for TLH... Also when before div or after?
Replies: 7
Views: 733

Compareable funds to SCHE and SCHF for TLH... Also when before div or after?

Hi All, So I started a taxable account this year with two international schwab etfs (account is at schwab so no fee for trading them which is why I chose them over vg) I have lost a bit in these two funds since purchasing and was wondering what to exchange them for to maintain a similar allocation w...
by bobf
Wed Oct 14, 2015 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for a house; where should I put my money?
Replies: 42
Views: 3859

Re: Saving for a house; where should I put my money?

I'll tell you. I had really hard time convincing myself to hold my down payment in cash especially 3+ years into searching for a home (moved in with my GF there and put the search on hold for about 19 months) but now that I have a home that I'll be closing on in a few weeks, right after a downturn.....
by bobf
Thu Jul 02, 2015 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: Want to buy stock - Not sure where to start
Replies: 16
Views: 2174

Re: Want to buy stock - Not sure where to start

I'm genuinely surprised that you're convinced that you're smart enough to pick a stock (ie smarter then the market...) yet not smart enough to figure out how to purchase that stock.

seems.... odd?
by bobf
Fri Mar 13, 2015 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Simple question trad 401k to roth ira 1099-r code?
Replies: 6
Views: 858

Re: Simple question trad 401k to roth ira 1099-r code?

Gentle bump (not sure if they're allowed here?)
by bobf
Thu Mar 12, 2015 11:11 am
Forum: Investing - Help with Personal Investments
Topic: 401k: To Roth or Not to Roth
Replies: 23
Views: 2243

Re: 401k: To Roth or Not to Roth

Thanks so much for the advice all. For the moment upped my contribution from 75% roth to 25% traditional to be 50/50 which will basically max my 401k space +- a few hundred. I think this is what I most comfortable with from a tax diversification perspective and uncertainty on the future. I may move ...
by bobf
Wed Mar 11, 2015 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Simple question trad 401k to roth ira 1099-r code?
Replies: 6
Views: 858

Re: Simple question trad 401k to roth ira 1099-r code?

so if right now I have 0 in box 2a and 0 in box 5 the irs would incorrectly believe I owe $0. Should the bank correct that form or should I just have my tax preparer pretend that's it there ... or?
by bobf
Wed Mar 11, 2015 8:27 am
Forum: Investing - Help with Personal Investments
Topic: 401k: To Roth or Not to Roth
Replies: 23
Views: 2243

Re: 401k: To Roth or Not to Roth

Lots of great points all, thanks so much for the advice! I want to point out a few things: 1. have a roth ira of about 80k already and I max a roth ira every year. 2. no pensions and non expected. 3. Longterm goal at the moment is to do a career switch around 50ish that will require going back to sc...
by bobf
Wed Mar 11, 2015 7:18 am
Forum: Personal Finance (Not Investing)
Topic: Simple question trad 401k to roth ira 1099-r code?
Replies: 6
Views: 858

Re: Simple question trad 401k to roth ira 1099-r code?

So in that case how does the IRS know this went to a roth (and I owe taxes) instead of a traditional?
by bobf
Tue Mar 10, 2015 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: Simple question trad 401k to roth ira 1099-r code?
Replies: 6
Views: 858

Simple question trad 401k to roth ira 1099-r code?

Hi all, simple question I hope that I've gotten conflicting answers on: If last year I had a traditional 401k and rolled it to a roth ira, what code should be on the 1099r? I have a code g now, but I believe it should be a code 2 and am having issues trying to get the bank to change the code on the ...
by bobf
Tue Mar 10, 2015 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: 401k: To Roth or Not to Roth
Replies: 23
Views: 2243

401k: To Roth or Not to Roth

Hi all, Long time lurker, first time poster. I have a great job and gross 90k a year + bonus. From this I currently devote 10% of my 401k to a Roth 401k and 5% to a traditional 401k. In addition I get 3% of my salary placed into a safe harbor traditional 401k. I am 31, single, and take the standard ...

Go to advanced search