Search found 92 matches

by pasadena
Wed May 17, 2017 5:28 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1332
Views: 225015

Re: What are you up YTD? [Year To Date]

Brokerage + Roth IRA YTD = 3.71% as of today's close, which was a bad day to make that calculation :wink: . AA is 59/41 VTSAX / VBTLX, and was 50/50 in January. Been DCA'ing into VTSAX until mid-April. My 401(k) is up 7.41% as of yesterday's close, so probably less today. It's 50/25/20/5 US Stocks ...
by pasadena
Mon Apr 17, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 2133

Re: Closing my oldest credit card

Some thoughts -- [b]Moving out of state and closing a bank account doesn't seem to me to be a reason to cancel a credit card. [/b]Closing the account will reduce your available credit and raise you usage percentage. Closing the oldest account is bound to affect your credit score to some extent eith...
by pasadena
Mon Apr 17, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 2133

Re: Closing my oldest credit card

Now the equation does change if that first card you obtained is a "secured" card and carries an annual fee -- the more I think about it, this must be the case for you, as you are talking having come into this country only in 2012, and about closing your existing bank account and therefore...
by pasadena
Mon Apr 17, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 2133

Re: Closing my oldest credit card

I missed one aspect - you are asking if there is any (dis)advantage in closing it now as opposed to closing it next year? That is a quick (and easy) answer - unless you are making a big budget purchase between now and next year, there is no advantage or disadvantage. That was one part of the questi...
by pasadena
Mon Apr 17, 2017 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 2133

Re: Closing my oldest credit card

* Amex reports my FICO8 score at 768. Hasn't moved for a few months now. I'm planning on buying a home in 2-3 years. Keep these in mind: ⋅ You don't have just one score. There are many scoring models out there used by creditors for credit decisioning and for most models you have a score w...
by pasadena
Mon Apr 17, 2017 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 2133

Re: Closing my oldest credit card

Thanks everyone. To answer some questions : this card is a HSBC Premier MasterCard. It's linked to me being able to maintain Premier status. I "inherited" the status as I was a Premier client in France before I moved. HSBC France has now closed my account (there has been a wave of French b...
by pasadena
Mon Apr 17, 2017 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 2133

Closing my oldest credit card

Hello Bogleheads, I am thinking about closing my oldest credit card, for a number of reasons. One of them being that I will leave California next year and will have to sever all ties with the state, including closing my bank account here - so closing the card that goes with it. Here's my situation :...
by pasadena
Sat Apr 15, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: How often should I contribute to my taxable account?
Replies: 23
Views: 2812

Re: How often should I contribute to my taxable account?

I also invest bi-weekly, on the day my direct deposit hits my account. Just set up your account so dividends are not automatically invested, and invest them yourself with your monthly contribution. You will have 12 lots a year, that's not too hard to track, and as others said, Vanguard should do the...
by pasadena
Fri Apr 14, 2017 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Few questions to those who switched to Ally Checking
Replies: 69
Views: 5689

Re: Few questions to those who switched to Ally Checking

I'm also able to connect without any problem. Try again, and maybe call them, their call center shows 0 minutes of wait time now.
by pasadena
Fri Apr 14, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: HSA as Part of Emergency Fund
Replies: 20
Views: 1554

Re: HSA as Part of Emergency Fund

I don't, because my EF covers 6 months of normal expenses, in case of any type of emergency. The HSA is restricted to qualified medical expenses. If I had those on a monthly basis then yes, I may include it in the calculation, to some level. That said, when my HSA balance was below my max out of poc...
by pasadena
Fri Apr 14, 2017 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Few questions to those who switched to Ally Checking
Replies: 69
Views: 5689

Re: Few questions to those who switched to Ally Checking

Thanks. I see, I thought they would send a message when this type of outage/service is scheduled with timeframe. I didn't login earlier today so I wasn't aware. Mobile banking is not working either, but mobile banking error message looks better. Yes, they really should improve that maintenance page.
by pasadena
Fri Apr 14, 2017 12:30 am
Forum: Personal Finance (Not Investing)
Topic: Spending beyond my means, I think..is my budget out of whack?
Replies: 81
Views: 8498

Re: Spending beyond my means, I think..is my budget out of whack?

OP, I think you have all your priorities straight. I absolutely agree that, in your specific situation, you and your wife are doing exactly the right thing. Yes, even at 2, a good education is incredibly important and sets the tone for the years to come. As is a satisfied, happy, toddler with a grow...
by pasadena
Thu Apr 13, 2017 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to a Lazy portfolio : Should I wait for a market correction?
Replies: 16
Views: 2049

Re: Moving to a Lazy portfolio : Should I wait for a market correction?

The problem is, you don't know when the next correction will be. And when it happens, you won't know how big it will be, or how long it will last. You will hesitate to get in then because 1) corrections are scary, and 2) you will wonder if "now" is the lowest or if it will go lower. The ma...
by pasadena
Thu Apr 13, 2017 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Few questions to those who switched to Ally Checking
Replies: 69
Views: 5689

Re: Few questions to those who switched to Ally Checking

Gamma Ray wrote:Does this happen often (9:43PM Pacific 4/14) ?
Right now: https://secure.ally.com/upgrade/bank/


It's a planned outage. I logged on earlier today and saw a message announcing it. I don't remember the planned timeframe, though.
by pasadena
Thu Apr 13, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Few questions to those who switched to Ally Checking
Replies: 69
Views: 5689

Re: Few questions to those who switched to Ally Checking

Gamma Ray wrote:I assume direct deposit is part of the 6 transaction limit?


No, the limit is 6 outgoing transactions per month of statement cycle of at least 4 weeks. See here, or here if you're brave.
by pasadena
Sat Apr 08, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: High Income earners, whats your Tax Strategy?
Replies: 113
Views: 10846

Re: High Income earners, whats your Tax Strategy?

I don't know if I qualify as a high-income earner on this board, but my 401(k) clearly qualifies me as one, so here goes. I only do the "obvious" and I'm single with no kids, 28% marginal tax rate, live in CA, and still have a limited understanding of the American tax system. In order of i...
by pasadena
Mon Mar 20, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 5095

Re: Any downside in buying a brand new house ?

Thank you so much for all the responses! I will go through them in details and respond when I come home from work. This forum rocks.
by pasadena
Mon Mar 20, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Any downside in buying a brand new house ?
Replies: 71
Views: 5095

Any downside in buying a brand new house ?

Hello! I'm asking this for a friend, but the question should be relevant for me in a couple of years. Our company is moving to a new state, and my friend is looking into buying a SFH there next year. In the new area, you basically have to choose between 100-year-old homes, or new constructions. His ...
by pasadena
Fri Mar 17, 2017 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: PTO issue with Wife's work
Replies: 14
Views: 2082

Re: PTO issue with Wife's work

I would take a vacation (enough days to get under the cap), schedule it before June, and tell them that I will be traveling during that time, and as such will not be available.

Then I would use that time to update my resume and start networking to find another job with a more respectful company.
by pasadena
Sat Mar 04, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you shrug at your IPS? [Investment policy statement]
Replies: 50
Views: 4092

Re: how often do you shrug at your IPS?

I have been known to use my EF to make up for bad budgeting. However, my IPS is a bit of a lifeline, or my little inner voice. It keeps me afloat, and keeps me from doing stupid things. Whenever I want to deviate from it, I reread it, and ask myself why do I want to deviate ? Is it an emotional deci...
by pasadena
Thu Mar 02, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Account vs. Bonds for short-term (~1 year) savings
Replies: 5
Views: 447

Re: Savings Account vs. Bonds for short-term (~1 year) savings

Most people tend to have a preset response to that. Short term ? Savings account, or CD. But while that may be the right answer in most cases, it depends. * What is this money for ? * Is this money enough for what you will need it for ? * Is your timeframe set in stone ? Can you afford 1.5 years ins...
by pasadena
Sun Feb 26, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 110
Views: 11377

Re: How Much Cash Do You Actually Hold?

I'm still in the early stages of accumulation phase. My cash reserves are : - 6 months of living expenses at current expense level. Planning on adding 5k per year to that (~ 1.5 months of expenses, mostly in prevision of a distant future car purchase) - Next year's Backdoor Roth IRA contribution, wh...
by pasadena
Wed Feb 22, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Money for down payment in one year
Replies: 6
Views: 987

Re: Money for down payment in one year

Any reason why you want to wait until Summer 2018, versus buying now ? Long commute for me, love the area we currently live and want to squeeze out another year, our lease it up in a month or two and the housing inventory in the town we want to move to has been tight the past few months so we are g...
by pasadena
Sat Feb 18, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Money for down payment in one year
Replies: 6
Views: 987

Re: Money for down payment in one year

Any reason why you want to wait until Summer 2018, versus buying now ?
by pasadena
Sat Feb 18, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Buy funds Friday before close, when will transaction be completed?
Replies: 6
Views: 655

Re: Buy funds Friday before close, when will transaction be completed?

If you buy through Vanguard before close (4pm EST), you will get tomorrow's closing NAV. If you have another broker, you should be able to find that information on their website. Not correct. From the Vanguard site: If we receive your request to buy or sell a fund before the close of regular tradin...
by pasadena
Sat Feb 18, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 43
Views: 4914

Re: Two-Fund Portfolio Role Call

I also have two funds in what I consider my non-retirement investments : Taxable : Total Stock Market Admiral (VTSAX) - ~ 51% Roth IRA : Total Bond Market Admiral (VBTLX) - ~ 49% My target AA is more 60/40, but since my overall invested amount is low (mid 5-figures), and I max out my Roth all at on...
by pasadena
Fri Feb 17, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 43
Views: 4914

Re: Two-Fund Portfolio Role Call

I also have two funds in what I consider my non-retirement investments : Taxable : Total Stock Market Admiral (VTSAX) - ~ 51% Roth IRA : Total Bond Market Admiral (VBTLX) - ~ 49% My target AA is more 60/40, but since my overall invested amount is low (mid 5-figures), and I max out my Roth all at onc...
by pasadena
Thu Feb 16, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Buy funds Friday before close, when will transaction be completed?
Replies: 6
Views: 655

Re: Buy funds Friday before close, when will transaction be completed?

If you buy through Vanguard before close (4pm EST), you will get tomorrow's closing NAV. If you have another broker, you should be able to find that information on their website.
by pasadena
Thu Feb 16, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: -$280k Net Worth Has Me Up At Night
Replies: 68
Views: 9284

Re: -$280k Net Worth Has Me Up At Night

Your rental may be cash-flow positive for now, but it's a precipice and you're standing right at the edge. You say it was empty for 3 years. What if your tenants leave and you can't find new ones right away ? What if they leave and you need to repair / freshen up the place before renting it again ? ...
by pasadena
Fri Feb 03, 2017 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA transfer to investments gone wrong
Replies: 0
Views: 299

HSA transfer to investments gone wrong

Hello ! My employer changed HSA provider to Optum. The transfer was completed last week. As soon as it cleared, I transferred money to the investment account. There is a minimum that must stay in the "normal" account ($2,000) so I transferred everything above that. Then (same day) I setup ...
by pasadena
Sat Jan 21, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Tax forms for newly opened brokerage account
Replies: 25
Views: 1705

Re: Tax forms for newly opened brokerage account

I start filling in the forms with the real info that I have and estimates of info that will be on forms yet to be received. This way I should have everything ready to go when the forms from the brokerage accounts come in. Just need to revise the remaining estimates and file -- and that can be done ...
by pasadena
Fri Jan 20, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio too heavy with Stock Options
Replies: 10
Views: 1176

Re: Portfolio too heavy with Stock Options

23skidoo wrote:And if so, what info should I provide?
Thank you,
Maria


You can start by filling out this template and edit your original post : https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212
by pasadena
Thu Jan 19, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Tax forms for newly opened brokerage account
Replies: 25
Views: 1705

Re: Tax forms for newly opened brokerage account

Thanks everyone. I will just play with it and wait for the forms before I finalize and file.

I knew it was a bad idea, but I needed someone to tell me :)
by pasadena
Thu Jan 19, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocating debt vs investing with increase in pay
Replies: 52
Views: 3601

Re: Help with allocating debt vs investing with increase in pay

How comfortable are you at the end of the month ? How do you estimate your "risk" of an emergency ? For example, if you were driving a very old car with a long commute, that would put you more at risk than if your car is new or if you walk to work. Or, do you have young children ? Does you...
by pasadena
Tue Jan 17, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax forms for newly opened brokerage account
Replies: 25
Views: 1705

Tax forms for newly opened brokerage account

Hello ! I opened my (only) brokerage account at Vanguard last July. From July to now, I have only bought funds, and haven't sold anything. I did convert to admiral shares in October. I did get dividends. Vanguard says that they will send out forms for brokerage accounts by end of February. Do I have...
by pasadena
Sat Jan 14, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investing severance payment
Replies: 7
Views: 673

Re: Help with investing severance payment

I would also keep the money at Ally until I found a new job. Then I would invest whatever's left of it. You can always keep an eye on CD rates, but I doubt short term ones (< 1y) will go above the savings account APY within the next few months, unless there's a promotion - Ally's 11-months no-penalt...
by pasadena
Sat Jan 14, 2017 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10684

Re: Max It Out Tomorrow [your IRA]

For those of you who are "all-in January" people, where do you get your funds from or where do you hold your funds until next year? 1. Borrow from emergency fund in January and rebuild over the year 2. Build up separate cash reserves to invest next January 3. Invest in the same funds as y...
by pasadena
Fri Jan 13, 2017 10:17 pm
Forum: Investing - Theory, News & General
Topic: Do Bogleheads Budget?
Replies: 113
Views: 14864

Re: Do Bogleheads Budget?

I do, but I admit I have a problem with sticking to it in the long run - working on that. I found a few years ago that I never have as much money as I do when I use a budget. It does eliminate the mysterious money pits *and* makes me think twice - I know I have to enter the expense, and if it's friv...
by pasadena
Wed Jan 11, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 7387

Re: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases

The 2% is for restaurants, gas stations, and drugstores. 1% anywhere else.

I just checked my account and it's been upgraded without me having to do anything. I never got an email though.

Kudos Amazon and Chase !
by pasadena
Wed Jan 11, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 17644

Re: Best Financial Moves You've Made

It took me years (and an expatriation) to do it, but the best move for me was to automate savings directly out of my paycheck. I never see the money, so I don't miss it.I have zero decision to make to save money, but I do have decisions to make *and* actions to take to spend it. Inertia works.
by pasadena
Wed Jan 11, 2017 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 Goals...What should we do?
Replies: 15
Views: 1739

Re: 2017 Goals...What should we do?

I would also bump your wife's savings to max out her Roth, then bump up both 401(k) contributions. The idea of rounding up the car loan payment is nice as it seems this loan is weighing on you - but mathematically, it doesn't make sense to pay it off by taking money out of retirement savings or EF. ...
by pasadena
Wed Jan 11, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6918

Re: Where do you keep your emergency fund?

- 1 to 2 months of expenses in my checking account - 6 months in Ally Savings account / No Penalty CD's - that's my actual EF. - Nothing in another Ally savings account that I just opened for a future car replacement :) If push comes to shove, my Roth IRA has another 6 months invested in VBTLX. And ...
by pasadena
Wed Jan 04, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Downpayment For House (take from portfolio or current income)
Replies: 6
Views: 710

Re: Downpayment For House (take from portfolio or current income)

I would build savings from current income, as much as I can, while still maxing out my 401k. In other words, stop contributing to taxable and maybe try to cut a few expenses here and there. Then I would fill the gap with the taxable / CDs (depending on tax situation). How much equity do you have in ...
by pasadena
Wed Jan 04, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 76
Views: 9389

Re: Ally Bank 1.25% 11 month with no EWP

This CD is now down to 0.87% APY. Whoa! I guess those of us who got in early should consider ourselves lucky. +1 For once I'm glad I didn't dither. Went in before New Year and moved 80% of EF into it @1.25% Thanks to BH (again) for timely advice! Me too. I moved half of my EF to 2 of these and was ...
by pasadena
Wed Jan 04, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 76
Views: 9389

Re: Ally Bank 1.25% 11 month with no EWP

This CD is now down to 0.87% APY.
by pasadena
Mon Jan 02, 2017 10:12 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1332
Views: 225015

Re: What are you up YTD? [Year To Date]

401(k) : 9.86% - Target Retirement 2035 @Voya, no ticker Roth IRA : 6.20% - 100% VBTLX (now, but was 100% VASIX until July then 65% VBTLX/35% VTSMX until October) Taxable : 13.10% - 100% VTSAX (opened in July, this number is XIRR) HSA : 7.34% - 80% VDAIX / 20% VBLTX until December, now 100% VDAIX, w...
by pasadena
Mon Jan 02, 2017 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10684

Re: Max It Out Tomorrow

According to the Intelligent Investor by Benjamin Graham: "According to Ibbotson Associates, the leading financial research firm, if you had invested $12,000 in the Standard & Poor’s 500-stock index at the beginning of September 1929, 10 years later you would have had only $7,223 left. But...
by pasadena
Mon Jan 02, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10684

Re: Max It Out Tomorrow

I sent the order yesterday for VG to pull $5,500 from my Ally savings account to my tIRA. The money should get there around Wednesday, and I'll backdoor it to my Roth as soon as it clears (7 days :( ). Now, Ladies and Gentlemen, market timers, I can tell you with near certainty than VBTLX will recov...
by pasadena
Mon Jan 02, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: This is a good weekend to start tracking your net worth.
Replies: 69
Views: 5891

Re: This is a good weekend to start tracking your net worth.

II really started tracking it a few months back but I had enough info in my Excel file and online banks to go back to 2014 without having to dive into the paper trail.

I updated it yesterday for this month.
by pasadena
Mon Jan 02, 2017 12:20 am
Forum: Investing - Help with Personal Investments
Topic: What are your portfolio/investments?
Replies: 38
Views: 2780

Re: What are your portfolio/investments?

Emergency funds: 6 months. Debt: None Tax filing Status: Single Tax rate: 28% Federal, 9.3% State State: CA Age: 42 I keep two different "buckets" 1- Retirement : 401(k) @Voya Target Date 2035, ER 0.33 US Stocks : 50% Intl Stocks : 25% US Bonds : 19% Direct RE : 5.8% Other : 0.2% 2- Non Re...

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