Search found 16 matches

by j7se
Thu Mar 30, 2017 9:00 pm
Forum: Personal Consumer Issues
Topic: Economics of Charging an Electric Car
Replies: 85
Views: 6117

Re: Economics of Charging an Electric Car

I own a Nissan Leaf. I used a kill-a-watt meter all last year and between charging the electric car and my freezer I used $180 in electricity at $.09/kw. So 15/month. Beats the 15 mpg SUV I sold to buy it. This works out to around $.025/mile. Had it for 2 years and had been a great car.
by j7se
Thu Feb 02, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: How do you save?
Replies: 39
Views: 5015

Re: How do you save?

by Meg77 » Thu Feb 02, 2017 1:37 pm What if the maximum you could put into a 401k was $50,000? What if you could put $25K a year into a Roth IRA? What if there were no retirement accounts - then how much would you invest each year? Probably less than you are saving now. Find a target percentage of ...
by j7se
Wed Feb 01, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: How do you save?
Replies: 39
Views: 5015

Re: How do you save?

j7se wrote: I don't plan on my income, at least in my current career, to drastically increase. This is mainly due to the fact that I highly value my autonomy and have no desire to have to go to an office for the 9-5. Done it and wasn't for me. This is what the ladder climb would require. We all hav...
by j7se
Wed Feb 01, 2017 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: How do you save?
Replies: 39
Views: 5015

Re: How do you save?

gunn_show wrote: monsterid wrote: The way I've always done it is to find more ways to make money. Seems like you are thinking of this with the constraint of making $90k for the HH, but what if you made $100k? Only a c.10% increase and might be achievable with some small side-gigs. That money would ...
by j7se
Wed Feb 01, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: How do you save?
Replies: 39
Views: 5015

How do you save?

I have been thinking lately that I may need to relax my savings. With a 90k HH income with kids and a STAH wife, it has been mildly burdensome to max all available tax advantaged accounts. I have only been doing this for 2 years now and it has gotten easier, but I had a new thought today. My idea wa...
by j7se
Sat Dec 03, 2016 4:18 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 7254

Re: P2P Lending Dead

Thanks Larry for the reply. I agree that lending shouldn't be done by individuals. I have been in Lending Club for a little over 5 years. The first 4 years I was managing my buys through the secondary market due to the fact that my state didn't allow buying on the primary. I was only averaging about...
by j7se
Fri Dec 02, 2016 1:20 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 7254

P2P Lending Dead

I know there are many dissenters of P2P lending. I personally only hold a small amount in it for numerous reasons named on several other threads and use Lending Robot for investing in the notes. P2P investing is more of a hobby of mine than a critical component of my investing plan. I just received ...
by j7se
Thu Dec 01, 2016 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Target Fund Trust Plus or Brokerage in 401k
Replies: 3
Views: 327

Re: Target Fund Trust Plus or Brokerage in 401k

I agree that there is nothing wrong with the fund. I just wonder if I would be better off being able to do the things listed in my pros/cons comparison. Also, I use Personal Capital and it cannot pull the correct pricing for that fund so just another added pain. But in the end it may be best to just...
by j7se
Thu Dec 01, 2016 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Target Fund Trust Plus or Brokerage in 401k
Replies: 3
Views: 327

Target Fund Trust Plus or Brokerage in 401k

So I have been using the Target Retirement 2045 Trust Plus (.06 ER) for my 401k due to low ER. However, I just noticed I can opt for the brokerage option. The pros/cons I see are: +choice of funds +allocation +location +rebalancing +easier to figure out allocation (though not particularly difficult ...
by j7se
Fri Jul 22, 2016 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Fixed Income
Replies: 1
Views: 274

HSA Fixed Income

I'm currently needing to re-balance into bonds. Currently, all of my bond holding are in my 401k target fund. I have just over 10k in my wife's and my IRAs at Vanguard (each). I think the HSA makes sense for the vehicle to hold bonds for two reason 1.) this may be an account I may need/want to use f...
by j7se
Sun Apr 17, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Core 4 vs Small
Replies: 9
Views: 1094

Re: Core 4 vs Small

If they are the same risk, it is only because the more risky stocks are accompanied by more bonds. This is not a portfolio I would consider. That's true. It reminds me of the Doughroller podcast where Rob interviewed a prior hedge fund manager who was promoting "risk weighted" portfolios ...
by j7se
Sun Apr 17, 2016 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Core 4 vs Small
Replies: 9
Views: 1094

Core 4 vs Small

I was playing around with the portfoliocharts website today and noticed that a 33 Microcap, 33 Int Small, 34 Long-Term Treasury porfolio significantly outperformed my current (modified) Core 4 portfolio (55 TSM, 25 TI, 10 REIT, 10 TBM) in terms of CAGR (6.1 vs 8.1) and without any added risk (15.3 b...
by j7se
Fri Apr 08, 2016 7:29 am
Forum: Investing - Help with Personal Investments
Topic: I did the math and an HSA for retirement wouldn't save me money — am I doing this wrong?
Replies: 12
Views: 1450

Re: I did the math and an HSA for retirement wouldn't save me money — am I doing this wrong?

HSA is a triple tax advantages account, meaning you don't pay taxes on contributions, growth, or qualified distributions. So you never pay tax. You have already paid tax on ROTH and taxable accounts contributions. That's why many refer to the HSA as the stealth IRA. You're idea of tax gain harvestin...
by j7se
Sun Jan 24, 2016 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterize IRA Contributions
Replies: 5
Views: 492

Re: Recharacterize IRA Contributions

Yes, my understanding of the EITC definitely was not complete when making these contributions and, to be honest, still is not, but I do understand it to a greater extent now. Thanks for the replies. I think I'm just going to let these contributions stay and move on. Too much headache for minimal imp...
by j7se
Sun Jan 24, 2016 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Recharacterize IRA Contributions
Replies: 5
Views: 492

Re: Recharacterize IRA Contributions

............................. I had been contributing max amount to .......... as well as to my wife's and my Roth IRAs. ..............................I was told that I couldn't recharacterize the 401k contributions but could the IRA. So I did. .........................................................
by j7se
Sat Jan 23, 2016 7:45 am
Forum: Personal Finance (Not Investing)
Topic: Recharacterize IRA Contributions
Replies: 5
Views: 492

Recharacterize IRA Contributions

I've been perusing this site along with many others for about 6 months now. I appreciate everyone's contributions as I have learned so much in that period. So in October I learned about the EIC tax credit. I have 2 kids and will make about 75k this year. I had been contributing max amount to Roth 40...

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