Search found 686 matches

by mcraepat9
Tue Jun 20, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Next step [Individual stocks & transition to Three-Fund Portfolio]
Replies: 9
Views: 581

Re: Next step

If you have capital losses, sell immediately.

The thing that holds people back is typically if you have large embedded capital gains and selling would require you to pay capital gains taxes.
by mcraepat9
Mon Jun 19, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: selling before the 30 day period FSTA [Fidelity Consumer Staples Index]
Replies: 4
Views: 373

Re: selling before the 30 day period FSTA

I currently have a few shares in FSTA (Fidellity consumer stapels index) since 6/2/2017. I have been doing some research and don't think I want to hold onto to this much longer. Do I take my losses or wait till I've had this for 30 days. I am considering buying FBGRX (Fidelity Blue Chip) or FUSEX (...
by mcraepat9
Mon Jun 19, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Tips on Bond investment in fidelity
Replies: 8
Views: 533

Re: Tips on Bond investment in fidelity

In a taxable account, I would use MUB. In a tax advantaged account, I would use AGG or FSITX. All of these funds are commission free at Fidelity.
by mcraepat9
Sat Jun 17, 2017 2:01 pm
Forum: Personal Consumer Issues
Topic: DS in Auto Accident, Insurance Increase, Plan-of-Action
Replies: 13
Views: 795

Re: DS in Auto Accident, Insurance Increase, Plan-of-Action

Hello Bogleheads, DS was in auto accident and acknowledged fault. Details: rear ended other car with minor bumper damage, none to own car. Family insurance rates (2 Parents, 3 daughters, 1 son) increased from $4k per year to $7k per year. What is reasonable plan of actions? Have about a week to dec...
by mcraepat9
Thu Jun 15, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Funds To Use in Taxable Portfolio
Replies: 28
Views: 2830

Re: Bond Funds To Use in Taxable Portfolio

Would this increased bond exposure be held in a taxable account? Or increased in your 401k/IRAs? If the former, then I would stick with munis (not worth the additional tax expense). If the latter, I think total bond is adequately diversified such that you could increase your position in that and fee...
by mcraepat9
Thu Jun 15, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 or Vanguard 529
Replies: 6
Views: 287

Re: Utah 529 or Vanguard 529

Utah is one of the best 529 plans in the country. And no, 3 bps is not enough to worry about. That's what I thought. Thanks for the quick reply! So I am advising someone about 529 plans and did not remember WHY Utah is the best plan..........Best because of how well/ efficient they are? Or somethin...
by mcraepat9
Thu Jun 15, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Utah 529 or Vanguard 529
Replies: 6
Views: 287

Re: Utah 529 or Vanguard 529

Utah is one of the best 529 plans in the country. And no, 3 bps is not enough to worry about.
by mcraepat9
Thu Jun 15, 2017 1:12 pm
Forum: Investing - Theory, News & General
Topic: When you purchase shares, where does the money go?
Replies: 19
Views: 1489

Re: When you purchase shares, where does the money go?

That makes sense - shareholders need to be asked as they will get diluted! Now, do companies typically hold back a bunch of shares? I am assuming they do, how else do they give (restricted or unrestricted) shares to employees? So, if they do, what fraction of the total number of shares would be typ...
by mcraepat9
Thu Jun 15, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: When you purchase shares, where does the money go?
Replies: 19
Views: 1489

Re: When you purchase shares, where does the money go?

The company selling shares can also choose to issue additional stock after the IPO and sell it on the open market. On the other side, they can also choose to buy back shares at market prices. I don't know why I didn't think of this question before - can a company issue additional shares anytime the...
by mcraepat9
Thu Jun 15, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation help. Balanced fund and replicating total stock market
Replies: 5
Views: 210

Re: Allocation help. Balanced fund and replicating total stock market

Hello Bogleheads, This forum is great! Question regarding my employer sponsored 401k and how I should allocate. I am 8-10 years from retirement. I will also have a pension thru my employer. I am interested in replicating the Vanguard Total Stock Market index fund in my 401k in the stock portion. I ...
by mcraepat9
Thu Jun 15, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: When you purchase shares, where does the money go?
Replies: 19
Views: 1489

Re: When you purchase shares, where does the money go?

Hello, I am new investing and I am trying to understand the stock market as a whole. The company that I work for uses Vanguard for our 401k retirement accounts. I have the Vanguard Target Retirement 2035 fund and the Vanguard Target Retirement 2040 fund. Every pay period money is taken out to buy s...
by mcraepat9
Thu Jun 15, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: 529 transfer
Replies: 5
Views: 508

Re: 529 transfer

If it's just about fees, why are you choosing NV? There are many states with lower fees than NV.
by mcraepat9
Thu Jun 15, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: College grad building credit history
Replies: 11
Views: 454

Re: College grad building credit history

I assume the interest rate is low? Presumably you wouldn't deliberately pay significant amounts in interest in order to build a credit history?
by mcraepat9
Wed Jun 14, 2017 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account holdings?
Replies: 13
Views: 783

Re: Taxable account holdings?

Are bogleheads generally limiting taxable events in a taxable account to dividends and the gains/losses from a sale? Yes - the type of equity funds BHs hold in taxable accounts have relatively low turnover and low capital gains distributions. If they hold bond funds in taxable accounts, they are ge...
by mcraepat9
Wed Jun 14, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Bond funds vs bonds (yes, again)
Replies: 16
Views: 1336

Re: Bond funds vs bonds (yes, again)

The other day, I was watching a PBS fundraising program that featured Suze Orman, whom I normally tune out. She addressed the issue of bond funds. As per usual, she recommended individual bonds over bond funds because of interest rates presumably rising, thus lowering the value of the bond funds (a...
by mcraepat9
Wed Jun 14, 2017 12:17 pm
Forum: Personal Consumer Issues
Topic: Finishing Basement - financing?
Replies: 10
Views: 948

Re: Finishing Basement - financing?

Hi all, So I am thinking of finishing up my basement through a contractor, after speaking to a friend who recently got his basement finished he said it cost him about $40,000 to finish his basement with a full bathroom and bedroom. He paid the labor part of it with cash about $20,000 and for the ma...
by mcraepat9
Wed Jun 14, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Question
Replies: 4
Views: 304

Re: Tax Loss Harvesting Question

I have a $225k taxable account in Capital One. It's broken down into about $120k etf's/individual stocks, and $105k VG Mutual Funds. Before I found this forum and attempted to become a Boglehead, my (poor) investing plan was basically to chase dividends and invest solely in blue chip stocks, or hig...
by mcraepat9
Wed Jun 14, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Roth 401k > Traditional 401k
Replies: 58
Views: 3247

Re: Roth 401k > Traditional 401k

I think coming up with a general recommendation for Roth vs Traditional is a bit of a fools errand. The tax code is so complex that each persons individual circumstance may dictate very different recommendations. With that said, I think a Roth has one significant advantage over Traditional that has...
by mcraepat9
Mon Jun 12, 2017 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Auto-Debit May Not Be Such a Good Idea
Replies: 25
Views: 3066

Re: Auto-Debit May Not Be Such a Good Idea

Auto-pay with credit card is obviously preferable for all of the reasons that credit card use is better than debit card use.

Of course, some providers won't let you use credit cards.
by mcraepat9
Mon Jun 12, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 39
Views: 3642

Re: Ok reasons for a 37 year old to have a 60/40 mix?

Those are all excellent reasons
by mcraepat9
Sat Jun 10, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Move taxable to 529 for FAFSA benefits?
Replies: 14
Views: 660

Re: Move taxable to 529 for FAFSA benefits?

This is only true if the parent owns the account and the student is the beneficiary. http://www.savingforcollege.com/intro_to_529s/does-a-529-plan-affect-financial-aid.php Are assets counted on the Free Application for Federal Student Aid (FAFSA)? Yes, but assets in accounts owned by a dependent st...
by mcraepat9
Sat Jun 10, 2017 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Move taxable to 529 for FAFSA benefits?
Replies: 14
Views: 660

Re: Move taxable to 529 for FAFSA benefits?

Funds in 529 and taxable accounts are treated equally for FAFSA purposes. I'm not sure that is correct for student owned accounts. For student owned taxable, I think the expected contribution is 20%. For student owned 529s, I think it is treated as if owned by the parent, and thus has a lower expec...
by mcraepat9
Sat Jun 10, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: Russell 2000 Pro's and Con's
Replies: 5
Views: 675

Re: Russell 2000 Pro's and Con's

The most frequent "con" to the Russell 2000 is that it is susceptible to frontrunning. There should be many threads if you use the search function that detail the downside of the Russell 2000 because of this.
by mcraepat9
Sat Jun 10, 2017 4:53 pm
Forum: Investing - Help with Personal Investments
Topic: Move taxable to 529 for FAFSA benefits?
Replies: 14
Views: 660

Re: Move taxable to 529 for FAFSA benefits?

Funds in 529 and taxable accounts are treated equally for FAFSA purposes. Moving funds to a tax-advantaged retirement account would be beneficial from a FAFSA perspective, as funds contained in those are not included in the universe of assets that are considered available for paying tuition.
by mcraepat9
Wed Jun 07, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: American funds target date, do you pay underlying ER?
Replies: 2
Views: 205

Re: American funds target date, do you pay underlying ER?

Need to read the prospectus - the answer to your question is in there.
by mcraepat9
Wed Jun 07, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: What really happens in a bear market?
Replies: 37
Views: 3991

Re: What really happens in a bear market?

I would recommend reading the oft-cited "sheepdog" thread on this forum. It was gut-wrenching, but incredibly enlightening to me, as someone who began investing basically at the bottom in early 2009 (so I did not experience the steep drop).
by mcraepat9
Mon Jun 05, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: Anyone use "MyPillow" pillows?
Replies: 51
Views: 6117

Re: Anyone use "MyPillow" pillows?

linenfort wrote:Check out reviews at Sleepopolis.
That's what steered me to a pillow from Nest Bedding, and I am glad for it.


+1

Sleepopolis has excellent reviews and videos - I bought the Nest Bedding pillow as a result of the reviews and it was an excellent purchase
by mcraepat9
Mon Jun 05, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out all tax advantaged options?
Replies: 24
Views: 2358

Re: What to do after maxing out all tax advantaged options?

I have been a Bogleheads for the past 25 years but I did not discover this forum until a couple of years ago. I finally decided to register today to respond to this post and ask a couple of questions. Once one has maxed out all his or her tax-advantaged accounts, why not buying Berkshire Hathaway s...
by mcraepat9
Fri Jun 02, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after maxing out all tax advantaged options?
Replies: 24
Views: 2358

Re: What to do after maxing out all tax advantaged options?

Taxable account in accordance with your predetermined asset allocation (taking into consideration tax efficiency, of course).
by mcraepat9
Wed May 31, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Market vs. Mutual Funds
Replies: 22
Views: 1560

Re: Stock Market vs. Mutual Funds

Should I invest them into the stock market? If so, which stock market should I invest them to? Invest in the NYSE stock market. :mrgreen: Nobody can tell you if stock X is going to perform better than stock Y. Stocks and the market in general are always fairly priced at any given moment. You don't ...
by mcraepat9
Mon May 29, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Funds For Law School
Replies: 5
Views: 411

Re: 529 Funds For Law School

Congrats to your son! The rules are largely the same as undergraduate in terms of 529-eligible expenses. 1. Health insurance doesn't count as QHEE Thank you. They won't let him enroll unless he has qualified health insurance. So why wouldn't this be a qualified expense, as it's required? http://www...
by mcraepat9
Mon May 29, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Funds For Law School
Replies: 5
Views: 411

Re: 529 Funds For Law School

This is a follow up to my prior recent post about using 529 funds for law school or not. There's just shy of $300,000 left in the account after undergraduate. You've all pretty much convinced me to use 529 plan money to pay for my 23 year old son's top 10 law school. He's into one and is wait liste...
by mcraepat9
Mon May 29, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Withdrawals for Room and Board
Replies: 10
Views: 1332

Re: 529 Withdrawals for Room and Board

I don't have any definitive citation or clear guidance on the point, but I don't think that full time work has any impact on room and board costs as a QHEE (assuming the student otherwise meets the requirements) as long as you are not double-dipping - if the employer pays for your room and board, qu...
by mcraepat9
Sun May 21, 2017 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: NY vs Utah 529?? Can't decide!
Replies: 23
Views: 1883

Re: NY vs Utah 529?? Can't decide!

Hello Wise People, Can you all help me figure out the pros and cons of the NY vs Utah 529 plans? You are choosing between two of the very best 529 plans in the country. No bad choice. I live in IL and already have a 529 for kid #1 in IL (tax benefit) and have been pretty happy with it. Why would yo...
by mcraepat9
Mon May 15, 2017 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Plan Review & Recommendations
Replies: 7
Views: 650

Re: 401(k) Plan Review & Recommendations

Thanks for the feedback - corrected my typos and after looking further at the LifePath funds, there is an expense ratio of 0.08% AND a management fee of 0.07%. a total expense ratio of 0.15% for an all-in-one solution that is well diversified and largely "set it and forget it" is really a...
by mcraepat9
Sun May 14, 2017 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Plan Review & Recommendations
Replies: 7
Views: 650

Re: 401(k) Plan Review & Recommendations

A bit if a noobie to all of this, but got a bunch of Boglehead books and am loving what I am learning! I wanted to get your perspective into my Fidelity 401(k) plan portfolio - I opted to have Financial Engines manage through my employer's plan (Fortune 500 Company, Brightscope rates at 86). -Emerg...
by mcraepat9
Sat May 13, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Need help on choosing Dividend Index Fund
Replies: 9
Views: 1076

Re: Need help on choosing Dividend Index Fund

avalpert wrote:Why are you looking for a dividend growth fund - I would imagine the best fund for your purposes depend on what role it is supposed to play in your overall portfolio strategy, wouldn't you?


+1
by mcraepat9
Thu May 04, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Pre-buying $10K TSM so it can be available as a future Tax Harvest partner fund for S&P?
Replies: 16
Views: 1165

Re: Pre-buying $10K TSM so it can be available as a future Tax Harvest partner fund for S&P?

Or, is the very first day for me to buy TSM index fund when I actually Tax Harvest the S&P 500 shares? This. Agree. I don't follow how "pre-buying" TSM would help you (since given the strong correlation, you would also want to TLH the TSM as well since that will also have gone down si...
by mcraepat9
Thu Apr 20, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 22
Views: 1541

Re: Help with investing

I'm keeping the wife's finances separate as she still has a ways to go before her finances are in order..=). But she is maxing out her Roth 401k and remaining funding are in other 401ks Why Roth 401k? This should almost certainly be a pre-tax traditional 401k given your tax attributes (in particula...
by mcraepat9
Wed Apr 19, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 22
Views: 1541

Re: Help with investing

Sorry not sure why my reply went in as a private message. We have kept things separate but we do file jointly. She has maybe 5k in savings as she has been maxing out 401k and has just paid off her student loans. She's now ready to save maybe 2k a month until she finds her footing to get more. Does ...
by mcraepat9
Wed Apr 19, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing
Replies: 22
Views: 1541

Re: Help with investing

Need to understand how spouse fits into all this -- ordinarily it makes sense to consider everything as a single unified portfolio, but sometimes there are reasons not to do it that way.
by mcraepat9
Wed Apr 19, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: 29 Year old New Investor Needs help- Vanguard Index Funds
Replies: 47
Views: 4004

Re: 29 Year old New Investor Needs help- Vanguard Index Funds

You still haven't answered the key question asked earlier - >>So you have a 403b or 457? This needs to be figured out first. If so, are you adding to it? Does your employer contribute on your behalf. Do they match your contributions? These retirement plan questions come first. Do you have a pension...
by mcraepat9
Thu Apr 13, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Working without an office - Strategy
Replies: 29
Views: 1893

Re: Working without an office - Strategy

I work from my home office every day. It is such a pleasure.
by mcraepat9
Tue Mar 07, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice for 401k Portfolio
Replies: 12
Views: 978

Re: Seeking Advice for 401k Portfolio

Yes I strongly believe you will end up doing better that way (unless you have a large pension coming your way at retirement). Currently, I do have a pension waiting for me and I will give this some thought because you are not the first to ask me this. Should I have a career change and lose my pensi...
by mcraepat9
Mon Mar 06, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice for 401k Portfolio
Replies: 12
Views: 978

Re: Seeking Advice for 401k Portfolio

Yes I strongly believe you will end up doing better that way (unless you have a large pension coming your way at retirement). Currently, I do have a pension waiting for me and I will give this some thought because you are not the first to ask me this. Should I have a career change and lose my pensi...
by mcraepat9
Mon Mar 06, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice for 401k Portfolio
Replies: 12
Views: 978

Re: Seeking Advice for 401k Portfolio

rippx3r wrote:I made that decision years ago based on financial articles I read but now that you mentioned it, should I consider a pre-tax account?


Yes I strongly believe you will end up doing better that way (unless you have a large pension coming your way at retirement).
by mcraepat9
Mon Mar 06, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice for 401k Portfolio
Replies: 12
Views: 978

Re: Seeking Advice for 401k Portfolio

Why are you using a Roth 401k? Seems to make more sense to use a traditional pre-tax 401k in light of your tax bracket and the fact that you live in a high income tax state.
by mcraepat9
Mon Mar 06, 2017 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: car title and insurance for young adult
Replies: 3
Views: 390

Re: car title and insurance for young adult

The state you live in matters. I can only speak for the state I live in (New York). In New York, for example, under section 388 of the NYS Vehicle and Traffic Law, the owner of a motor vehicle is jointly and severally liable for damages caused by the negligence of a driver who used the owner's vehic...
by mcraepat9
Sun Mar 05, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: 529- should I stop contributing?
Replies: 46
Views: 5521

Re: 529- should I stop contributing?

One of my goals is to cover my two children's education, regardless of what they want. To that end, I was aggressively contributing to their 529's for years. My 6 year old has 200k in a Vanguard aggressive fund, and my 4 year old has 100k in a Vanguard ultra-aggressive fund. I max out 401k, IRA, et...

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