Search found 1003 matches

by investor1
Tue May 31, 2016 6:47 pm
Forum: Personal Consumer Issues
Topic: Separate data partition on dual-boot system?
Replies: 60
Views: 3144

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: 1027

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: 3122

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: 5181

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: 15700

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: 1469

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: 2468

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: 2884

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: 830

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: 2468

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: 718

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: 2750

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: 1774

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: 1774

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: 499

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: 5343

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: 1960

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: 1162

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: 718

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: 285

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: 4458

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: 1162

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: 1699

Re: Forming LLC to buy condo?

Is he flipping the place?
by investor1
Mon Feb 01, 2016 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Mint...working less, and less, and less
Replies: 42
Views: 7505

Re: Mint...working less, and less, and less

How many sites are you willing to give all your financial passwords to? Zero. Where does it say that you must give them access to all of your financial accounts? Most people that I know that have used Mint do so for the purpose of tracking their spending which mean giving Mint access to your credit...
by investor1
Mon Feb 01, 2016 6:08 am
Forum: Investing - Help with Personal Investments
Topic: 401k/IRA - Switching Employers
Replies: 4
Views: 405

Re: 401k/IRA - Switching Employers

You did not provide enough information to provide an answer. We would have to know the investment options and expense ratios in your old 401k, new 401k, and IRAs as well as your income level, filing status, and the state that you file in. The first thing I would do is to check out the investment opt...
by investor1
Mon Feb 01, 2016 5:50 am
Forum: Investing - Help with Personal Investments
Topic: Advice/Opinion on 401k and Roth
Replies: 6
Views: 612

Re: Advice/Opinion on 401k and Roth

If I were you, I would set my AA across my portfolio rather than in each account. Your wife has very cheap access to the S&P 500 and Russell 3000 funds. Given how you have described the asset value of each account, it is tough to say how much to put into these. I would approximate the total stoc...
by investor1
Sun Jan 31, 2016 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Help
Replies: 7
Views: 635

Re: 401k Help

I'm no expert on how to handle investments while living in the US when you might be moving elsewhere, so I'll leave that to others. I do know what you should do is to pay off that mortgage debt at 9.5%. Do that before investing. Maybe you'll know the answer to the rest of your question by the time ...
by investor1
Sun Jan 31, 2016 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: 23 Year Old - New Investor
Replies: 4
Views: 532

Re: 23 Year Old - New Investor

Yes, pay off those loans. Once that is taken care of, build an emergency fund. After that, ramp up your retirement savings as life allows.
by investor1
Sun Jan 31, 2016 3:29 am
Forum: Investing - Help with Personal Investments
Topic: 401k Help
Replies: 7
Views: 635

Re: 401k Help

I'm no expert on how to handle investments while living in the US when you might be moving elsewhere, so I'll leave that to others. I do know what you should do is to pay off that mortgage debt at 9.5%. Do that before investing. Maybe you'll know the answer to the rest of your question by the time y...
by investor1
Sat Jan 30, 2016 11:46 am
Forum: Investing - Theory, News & General
Topic: Who else is holding in cash? [For future investing]
Replies: 66
Views: 5345

Re: Who else is holding in cash?

I'm holding a lot in cash and looking for a good time to buy... a nice house.
by investor1
Sat Jan 30, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth VASGX & Target Retirement 2035 VTTHX for IRA's
Replies: 11
Views: 2022

Re: Vanguard Lifestrategy vs Target Fund

Are the TD funds already in their glide path, or are they so far out that they are just sitting at a 90/10 split?

If they are in their glide path, why do you want some of your assets shifting AA while others sit at a specific AA?
by investor1
Sat Jan 30, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: First 401k
Replies: 8
Views: 711

Re: First 401k

Are the target date funds in the 401k bad?
by investor1
Sat Jan 30, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard introducing 0.01% expense ratio funds
Replies: 24
Views: 5041

Re: Vanguard introducing 0.01% expense ratio funds

Meh, I don't have access to that. My 401k has access to CITs for the TSM and TBM that come in at ERs of 0.03% and 0.02%. I'll stick with those.
by investor1
Thu Jan 28, 2016 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead here, How am I doing
Replies: 5
Views: 712

Re: New Boglehead here, How am I doing

That rainy day fund is my emergency fund and only for emergency use, but do you think I should put more into it then? Make sure you have at least three months worth of expenses in your EF. If you think there is a likelihood that you may have an emergency (or set of emergencies around the same time)...
by investor1
Thu Jan 28, 2016 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: new boglehead
Replies: 16
Views: 1325

Re: 23 year old.. new boglehead

1. Can someone explain why putting 500 into an IRA is better than putting it into my taxable account? The money I'm putting is coming from my income which has already been taxed, so in both scenarios I'd only be taxed on my future gains? If you are talking about a Roth IRA, you will not be taxed on...
by investor1
Thu Jan 28, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2dayshippingbymastercard service, can use in walmart
Replies: 2
Views: 416

Re: 2dayshippingbymastercard service, can use in walmart

Shipping to the store is free. They also use to allow you to ship to Fedex for free. I'm not sure if they still do.
by investor1
Thu Jan 28, 2016 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: new boglehead
Replies: 16
Views: 1325

Re: 23 year old.. new boglehead

Another question, I do not have a savings account.. I just consider my investments and my emergency fund as my savings account.. And have a single checking account with around 5k in it. I feel like this is too high. Should i bring this down to all I'll need to pay the bills and invest the rest, or ...
by investor1
Thu Jan 28, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation
Replies: 5
Views: 320

Re: Help with asset allocation

AA is totally up to you. It is whatever helps you achieve your goals while staying the course and sleeping well at night. What do you think your AA should be?
by investor1
Thu Jan 28, 2016 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: 23-Year-Old Investors Need Advice
Replies: 13
Views: 1116

Re: 23-Year-Old Investors Need Advice

The only things I will add to Duckie's post are that you can forego the bond fund in the 401k since it is expensive. Instead, hold your bonds in your Roth IRA. The Vanguard Total Bond Market ETF would be a good choice. Also, I think you have the right idea about getting the match, then contributing ...
by investor1
Thu Jan 28, 2016 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead here, How am I doing
Replies: 5
Views: 712

Re: New Boglehead here, How am I doing

If that's what you want, you did fine. A few things: 1. You mentioned debt. If it is high interest, pay it off. 2. You mentioned a rainy day fund which seems to imply money that you'll spend at some point when you feel like it, but didn't mention an emergency fund. You should have an emergency fund ...
by investor1
Thu Jan 28, 2016 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Best fund to buy for 23 year old roth IRA
Replies: 15
Views: 844

Re: Best fund to buy for 23 year old roth IRA

If you're 23 now, you'll be 67 in 2060. Is that when you want to retire?
by investor1
Thu Jan 28, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Home and Invest Proceeds or Stay Put?
Replies: 41
Views: 3423

Re: Sell Home and Invest Proceeds?

barnaclebob wrote:If you have a renter covering the mortgage and the HELOC will be paid off this year I think you'd be crazy to play the renting game in the bay area.

This sounds right to me.
by investor1
Thu Jan 28, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: wife needs phone. Android, iPhone or Windows phone?
Replies: 49
Views: 3529

Re: wife needs phone. Android, iPhone or Windows phone?

I have never met anyone who has a Windows phone that is happy with it. I think that business model proved to be a bust for MS. I'd recommend going with an Android phone and switching over from MS services to Google services like GMail for email and Hangouts for text messages and video calls. If you ...
by investor1
Thu Jan 28, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Eating money eating out! Going on a 401k diet. Help!
Replies: 27
Views: 3163

Re: Eating money eating out! Going on a 401k diet. Help!

As others have mentioned, setup a budget. To do so, it helps to know where your money is currently going so you can figure out where to cut expenses to increase savings. You might want to consider using Mint.com to help you do this. It will allow you to categorize your spending and will send you ale...
by investor1
Wed Jan 27, 2016 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Roth VS Trad 401k
Replies: 12
Views: 1205

Re: Roth VS Trad 401k

What is your question? Is it whether it is better for you to use a traditional 401k or a Roth 401k? If so, the answer depends on whether or not you think your tax rate is lower now or will be lower when you start taking distributions from these accounts. Pay the tax bill when you think it will be lo...
by investor1
Wed Jan 27, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: File taxes via mail or electronically
Replies: 87
Views: 6412

Re: File taxes via mail or electronically

Given the massive amount of fake tax returns filed in recent years, I would think everyone would want to file their real tax returns ASAP to beat the thieves to the punch. Doing so by mail would be much slower than doing so electronically.
by investor1
Wed Jan 27, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: When should I make Roth IRA contribution? (Not sure I'll need the Backdoor)
Replies: 3
Views: 248

Re: When should I make Roth IRA contribution? (Not sure I'll need the Backdoor)

Just make it whenever you have the money. If you end up going over the limit, you can recharacterize the contribution later.
by investor1
Wed Jan 27, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 2146

Re: Best Netflix/YouTube interface for the Big Screen?

I have a recent model smart tv with both the netflix and youtube apps that work wonderfully. I have the router in the living room, so the tv is hard wired into it. In the past, I have had an Xbox One that had those apps and worked wonderfully. With the Xbox One, you can also use voice controls to pl...
by investor1
Wed Jan 27, 2016 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Who came closest to a $0 [taxes due]?
Replies: 62
Views: 4291

Re: Who came closest to a $0 [taxes due]?

In November 2014, I predicted that we would owe "0" on both the federal and state tax returns for TY 2005. In January 2015, the DW hounded me and hounded me to make an estimated payment as she "did not want to go to jail" as she had "0" withheld on her pay. I paid $750...

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