Search found 1029 matches

by investor1
Tue Dec 06, 2016 9:50 am
Forum: Investing - Help with Personal Investments
Topic: New cash into a retirement portfolio
Replies: 6
Views: 585

Re: New cash into a retirement portfolio

Why not live off of it and DCA in the rest until you've either spent it or invested it all? This way you leave your current assets invested.
by investor1
Tue Dec 06, 2016 8:00 am
Forum: Investing - Help with Personal Investments
Topic: 40 year old new investor asset allocation question
Replies: 3
Views: 274

Re: 40 year old new investor asset allocation question

If you are comfortable with 65/35, then it is reasonable. If you want a 3 fund portfolio, then setup a 3 fund portfolio rather than a 3 fund account. You didn't mention what you hold in FIDO. The easiest thing to do is call VG and let them handle it. Though, you should check to see if you can roll t...
by investor1
Tue Dec 06, 2016 7:53 am
Forum: Investing - Help with Personal Investments
Topic: So the ROTH is maxed, 403B maxed... am I leaving anything out?
Replies: 11
Views: 1160

Re: So the ROTH is maxed, 403B maxed... am I leaving anything out?

Make sure you have an emergency fund.
I assume both you AND your wife are max'ing out seperate Roth IRAs.
Do you have HSAs?
by investor1
Tue Dec 06, 2016 7:47 am
Forum: Investing - Help with Personal Investments
Topic: What to do with a sum of money
Replies: 8
Views: 752

Re: What to do with a sum of money

Open up a brokerage account with Vanguard, have them move the money there, and invest it according to your IPS.
by investor1
Tue Aug 30, 2016 9:12 am
Forum: Investing - Help with Personal Investments
Topic: College student with extra cash
Replies: 3
Views: 372

Re: College student with extra cash

A small down payment for what after graduation?
by investor1
Mon Aug 29, 2016 1:16 pm
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 4943

Re: Eating Healthy/Meals for One

I thought frozen veggies had a bunch of preservatives added to them. Best case scenario seems like you'd be adding a bunch of salt to your diet which is already in a bunch of stuff. It would seem to me to be something to generally avoid if you are looking for a whole foods / minimally processed diet...
by investor1
Mon Aug 29, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 4943

Re: Eating Healthy/Meals for One

I think some of you guys are overlooking the time 'cost'. Cooking fresh (nuking frozen meals doesn't count) for 1 often makes little sense with regards to time spent vs. value/effect. Sure, you can cook 3-4 portions at once and freeze/refrigerate the remainder for future meals, but as the OP has al...
by investor1
Mon Aug 29, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 4943

Re: Eating Healthy/Meals for One

What size is your freezer? Is it large enough to store those family sized packages of meat if you repackage them into single servings? If so, buy a vacuum sealer and do that. Are you sure you can't buy meat cut to order at your butcher's counter? Maybe I need to get out more, but all of my local sto...
by investor1
Wed Aug 24, 2016 6:43 pm
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1185

Re: Dealing with insurance companies

....Any offer will be on behalf of the other driver and if you accept it, the case is closed. Er, not quite. Depending on the laws in the OP's state, this may constitute an action for what is termed a deficiency judgment, and the case is most assuredly not "closed". Unless you sign a bind...
by investor1
Wed Aug 24, 2016 6:16 pm
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1185

Re: Dealing with insurance companies

Arbitration is used during subrogation, and in this case there will be no subrogation as the OP does not carry collision coverage. Small claims court would be your best solution if you do not agree with the settlement offer from the Insurance company. I would supply the estimate to the insurance co...
by investor1
Wed Aug 24, 2016 6:03 pm
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1185

Re: Dealing with insurance companies

Arbitration is used during subrogation, and in this case there will be no subrogation as the OP does not carry collision coverage. Small claims court would be your best solution if you do not agree with the settlement offer from the Insurance company. I would supply the estimate to the insurance co...
by investor1
Wed Aug 24, 2016 2:19 pm
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1185

Re: Dealing with insurance companies

Should I tell his insurance company what the estimate to repair my car is or wait until they determine fault?
by investor1
Wed Aug 24, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1185

Re: Dealing with insurance companies

Definitely sue the driver, they're the one at fault. If they lose, then the insurance company has to pay. They'll also do their defense and stuff if it gets that far. I was sued once for an accident that my insurance company said I was not at fault for. They gave me a lawyer, I had to go to court, ...
by investor1
Wed Aug 24, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1185

Re: Dealing with insurance companies

I've had a similar experience. Had an accident, clearly not my fault, I had no collision coverage. Their insurance kept trying to give me nonsense scenarios about how it might have been my fault. Jumped through a lot of hoops for 2 months. Finally told them I was fed up and would be suing, and then...
by investor1
Wed Aug 24, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1185

Re: Dealing with insurance companies

I'm a bit further on in the process than you are but here is what I know. I was sitting at a red stop light and the light turned green. I was 3/4 of the way through the intersection and a person tried to turn in front of me and hit the front quarter panel of my car. It was all on captured video of ...
by investor1
Wed Aug 24, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: Cutting the Cord - Playstation Vue
Replies: 14
Views: 1220

Re: Cutting the Cord - Playstation Vue

You should also look into Sling TV. It is similar to PS Vue. They offer a different channel selection with different pricing tiers. You can also add on buckets of channels for an additional fee.

Compare the channel lineups and see what is cheaper for what you want.
by investor1
Wed Aug 24, 2016 12:13 pm
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1185

Re: Dealing with insurance companies

Beware; his insurance company will call you, do an interview, and find you partially responsible thus reducing their cost. My guess is they will find you 20% responsible and will pay 80% of the claim. I already gave a statement to them. This was the day of, and they had not determined fault yet. He...
by investor1
Wed Aug 24, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1185

Re: Dealing with insurance companies

You should be able to file a claim on your own collision policy and have your insurance company pursue the other guy through subrogation. The only downside to doing that is you have to pony up your deductibles when you get the car repaired and then wait for your insurance company to reimburse that ...
by investor1
Wed Aug 24, 2016 11:43 am
Forum: Investing - Help with Personal Investments
Topic: 39 Year Old Couple - Need Advice
Replies: 14
Views: 3234

Re: 39 Year Old Couple - Need Advice

1. Using the calculation of age minus 10 to get the bond allocation, I calculated 29% (39 years old minus 10), but after looking at our "professionally" managed accounts, they're very aggressive. I'm not experienced in investing which is why we had/have professionals handle it for us, but...
by investor1
Wed Aug 24, 2016 11:16 am
Forum: Personal Consumer Issues
Topic: Dealing with insurance companies
Replies: 25
Views: 1185

Dealing with insurance companies

I was recently in a fender bender. I was pulling into a parking space at work when the guy in the spot next to me opened his door which ended up going through my bumper cover, damaging my headlight, and put a small dent in my hood. His door was damaged. Nobody was injured. The guy admitted fault at ...
by investor1
Thu Aug 11, 2016 6:31 am
Forum: Investing - Help with Personal Investments
Topic: Investing for retirement 101 Help
Replies: 5
Views: 658

Re: Investing for retirement 101 Help

Do you plan on remaining in the US after you retire?
by investor1
Sat Aug 06, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Where to store a house fund when you don't want a house for a while?
Replies: 11
Views: 1336

Re: Where to store a house fund when you don't want a house for a while?

dm200 wrote:With such a long timeframe, one approach is to max out retirement funding (401k, IRA, etc.) - and then, as the timeframe is closer, divert any excess to saving for house.

Yep, I've been doing that for years as well.
by investor1
Sat Aug 06, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Where to store a house fund when you don't want a house for a while?
Replies: 11
Views: 1336

Re: Where to store a house fund when you don't want a house for a while?

Thanks for the advice, everyone. I think I'll go with a three fund portfolio with a conservative AA and a glide path similar to that of my retirement portfolio.
by investor1
Fri Aug 05, 2016 9:31 pm
Forum: Investing - Help with Personal Investments
Topic: Where to store a house fund when you don't want a house for a while?
Replies: 11
Views: 1336

Where to store a house fund when you don't want a house for a while?

Howdy, Some time ago, I convinced myself that I wanted to be a home owner. While I'm sure that will be the case down the road, it just isn't at the moment. I have been saving for a down payment for years and have roughly $100k sitting in a high interest savings account for this sole purpose. I recen...
by investor1
Wed Jul 27, 2016 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Pay down mortgage now, or wait?
Replies: 9
Views: 1466

Re: Pay down mortgage now, or wait?

I'd leave the money invested in something else. 1.84% shouldn't be that hard to beat after taxes. You can always pay it off later if you wish.
by investor1
Wed Jul 27, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 20
Views: 3540

Re: Age 30, married, help w/ overall portfolio

Duckie's response is excellent. The only thing I'd add is you seem to list your Roth IRA under "emergency funds." Given the penalties inherent in withdrawing from these early (and the complexity of borrowing from them), I wouldn't consider anything in an IRA to be emergency funds, regardl...
by investor1
Tue May 31, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 60
Views: 3625

Re: Separate data partition on dual-boot system?

For years, my process has been: 1. Install Windows 2. Disable hibernation 3. Disable system restore, kernal memory dump, and the pagefile system. 4. Run disk cleanup 5. Defragment the drive 6. Shrink the drive 7. Re-enable the items listed in step 3. 8. Install Linux The last step automatically crea...
by investor1
Tue May 31, 2016 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Finally getting serious... Need advice
Replies: 8
Views: 1098

Re: Finally getting serious... Need advice

If you are counting on your employer for $125k of salary each year, do you really want to count on them for $65k worth of stock every year? Do you want to also count on them for nearly half of your portfolio? Advice on this board tends to go the route of being heavily diversified which the above doe...
by investor1
Mon Apr 18, 2016 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Progressive or Geico?
Replies: 37
Views: 3444

Re: Progressive or Geico?

Geico is typically cheaper since they don't use OEM parts. I've never had a claim, so cheaper = better for me.
by investor1
Mon Apr 18, 2016 11:40 am
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 5787

Re: How Did You File Your Income Taxes for 2015?

Free eFile. Both state and federal.
by investor1
Wed Feb 03, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Do you pay for exercise?
Replies: 222
Views: 16778

Re: Do you pay for exercise?

Yes, I pay $10/month and an additional $25/year for 24/7 access to a gym that provides both cardio and weights (free weights and cable machines) as well as a locker room, shower, bathroom, steam room, and sauna. They offer more services, but they cost more, and I don't use or pay for them. It rains ...
by investor1
Wed Feb 03, 2016 8:29 pm
Forum: Personal Consumer Issues
Topic: Best Tips for Packing & Moving?
Replies: 14
Views: 1534

Re: Best Tips for Packing & Moving?

Get boxes of the same size. Either buy them, get them for free off of Craigslist, or go to the local liquor store and ask them for free boxes (IMHO those boxes are not big enough). Remember, the bigger the box, the fewer the the trips you must make. Balance that with your ability to carry the boxes....
by investor1
Wed Feb 03, 2016 2:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expectations for 2016
Replies: 11
Views: 2550

Re: Vanguard expectations for 2016

I guess this means I can still buy assets for a low price. Actually what he seems to be implying is that assets are expensive by historical standards. My assumption is that today's prices will be much lower than they will by the time I begin selling my assets. The idea that the price of these asset...
by investor1
Wed Feb 03, 2016 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Would love input on retirement investing strategy for a novice trying to make deep strides.
Replies: 52
Views: 3127

Re: Would love input on retirement investing strategy for a novice trying to make deep strides.

Save as much as you can. I think your projection of earning a "market average" of 10% is way too high. You can withdraw from your 401ks w/o penalty beginning the year you turn 55 as long as you leave the employer that provides that 401k the same year. You didn't list your income level, but...
by investor1
Tue Feb 02, 2016 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Handful of questions...
Replies: 8
Views: 863

Re: Handful of questions...

1. Am I overweight in small-cap stocks? Ideally for our retirement account(s) aiming for a 85/15 allocation. 2. Available funds in my 401k aren't great but the PIMCO Total Return (PTRAX, 0.71%) is there, is this a decent fund to add the missing 15%? 3. Looking to open and max a ROTH IRA, holding VT...
by investor1
Tue Feb 02, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expectations for 2016
Replies: 11
Views: 2550

Re: Vanguard expectations for 2016

I guess this means I can still buy assets for a low price.
by investor1
Tue Feb 02, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage rates vs APR
Replies: 6
Views: 772

Re: Mortgage rates vs APR

I was looking at Penfed's rates earlier today and comparing a 10 year fixed rate loan to a 5/1 ARM. The listed rates are as follows: 10 year fixed: APR = 3.085%, Rate = 2.750% 5/1 ARM: APR = 3.113%, Rate = 2.375% (first 60 months), 3.375 (next 300 months) I'm assuming having the ability to pay off ...
by investor1
Tue Feb 02, 2016 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Saving for down payment
Replies: 43
Views: 2939

Re: Saving for down payment

You can take up to $10k out of an IRA for the purchase of a house. Why not continue socking away money in your IRAs (rather than 401ks) for now? If you change your mind later, the money is still in your retirement accounts.
by investor1
Mon Feb 01, 2016 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Low income... Contribute more 401k or save towards first home?
Replies: 18
Views: 1852

Re: Low income... Contribute more 401k or save towards first home?

hnzw rui wrote:
investor1 wrote:Similar to an IRA, you can withdraw up to $10k from a 401k for a home purchase, so either way, put the money into a retirement account for now and make up your mind later.

There's no such exemption for 401k.

Ah, good catch! I stand corrected.
by investor1
Mon Feb 01, 2016 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Low income... Contribute more 401k or save towards first home?
Replies: 18
Views: 1852

Re: Low income... Contribute more 401k or save towards first home?

I would recommend opening up a Roth IRA and contributing the max to that for at least a few years. You can withdraw your contributions (not the growth) from a Roth IRA whenever you wish, and you can withdraw up to $10k from a Roth IRA for the purchase of a home. If you sock away money here, you'll h...
by investor1
Mon Feb 01, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Need investing advice.....
Replies: 2
Views: 524

Re: Need investing advice.....

Wait, so the IRA, $200k, and $1k/month for the next six years is pegged for retirement, and around $2k/month (minus growth after taxes) is for spending in six years??? I think you need to start at square one and come up with an investment plan. Figure out what you wish to invest in and what your des...
by investor1
Mon Feb 01, 2016 6:44 pm
Forum: Investing - Theory, News & General
Topic: Yeah, I Timed...UPDATE
Replies: 29
Views: 5472

Re: Yeah, I Timed...

Just tell people you rebalanced.
by investor1
Mon Feb 01, 2016 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads and Interested in Your Advice
Replies: 13
Views: 2045

Re: New to Bogleheads and Interested in Your Advice

Most people do not seem to know about these things. In fact, it is rare that someone does. I don't know why. I didn't know when I retired either. Here's a current thread discussing it. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=183576&newpost=2783956 LOL it was your post that mad...
by investor1
Mon Feb 01, 2016 6:33 pm
Forum: Investing - Theory, News & General
Topic: Early Retirement w/ Tax Advantaged Accounts
Replies: 3
Views: 1225

Re: Early Retirement w/ Tax Advantaged Accounts

Often, a person who retires early has sufficient funds in taxable accounts to not need tax-deferred withdrawals right away. Yep, you've made good points, but given that the Mega Backdoor Roth is fairly new, I think there is a good chance this ^ could change. Granted that means having a lot more in ...
by investor1
Mon Feb 01, 2016 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage rates vs APR
Replies: 6
Views: 772

Mortgage rates vs APR

I was looking at Penfed's rates earlier today and comparing a 10 year fixed rate loan to a 5/1 ARM. The listed rates are as follows: 10 year fixed: APR = 3.085%, Rate = 2.750% 5/1 ARM: APR = 3.113%, Rate = 2.375% (first 60 months), 3.375 (next 300 months) I'm assuming having the ability to pay off t...
by investor1
Mon Feb 01, 2016 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads [Looking for advice]
Replies: 3
Views: 319

Re: New to Bogleheads [Looking for advice]

In addition to the links already posted, I recommend checking out the wiki topic on the three fund portfolio: https://www.bogleheads.org/wiki/Three-fund_portfolio. Of course, you could make it even easier on yourself if you just bought a target date fund or life strategy fund as Vanguard or whicheve...
by investor1
Mon Feb 01, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Next Week... Tips?
Replies: 30
Views: 4585

Re: Early Retirement Next Week... Tips?

It'd be nice to know what he ended up doing... It seems like it would be easier to roll the IRAs into the 401k (if the plan allows) than vice versa since he is already over age 55 and therefore has access to 401k funds w/o penalty. Even if he didn't make a move there, he has plenty in his 401k and t...
by investor1
Mon Feb 01, 2016 1:12 pm
Forum: Investing - Theory, News & General
Topic: Early Retirement w/ Tax Advantaged Accounts
Replies: 3
Views: 1225

Early Retirement w/ Tax Advantaged Accounts

I came across this post on Reddit that explains a number of options for withdrawing money from a tax advantaged account prior to age 59.5 w/o penalty. Many people here likely already know this as much of it is covered on the wiki (https://www.bogleheads.org/wiki/Early_retirement), but I learned some...
by investor1
Mon Feb 01, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Forming LLC to buy condo?
Replies: 20
Views: 1809

Re: Forming LLC to buy condo?

Is he flipping the place?

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