Search found 110 matches

by toblerone
Wed Apr 04, 2018 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018
Replies: 105
Views: 11008

Re: HSA family max contribution lowered to $6850 for 2018

OP here, with an update on the ordeal. I had to fill out a form provided by Optum to remove the excess contribution. I had to FAX the form to Optum. A few days later, my account online showed the excess contribution removed. About a week after that, I received a paper check in the mail for the exces...
by toblerone
Mon Mar 12, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: no bonds in roth?
Replies: 34
Views: 4745

Re: no bonds in roth?

Assuming your portfolio is 65/35 overall (or pick other), in the long run is it better to have a sliver of Roth space occupied by the asset class that doesn't grow - ie. bonds - or use all of that Roth for pedal-to-the-metal asset classes like EM? In the scenario you suggest, having some bonds in t...
by toblerone
Wed Mar 07, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018
Replies: 105
Views: 11008

Re: HSA family max contribution lowered to $6850 for 2018

My HSA is at Optum, thru my employer. Optum sent HR a notice today regarding the limit change, and link to the excess contribution form for us suckers that already contributed $6900. Thankfully there is no fee.
by toblerone
Wed Mar 07, 2018 3:41 am
Forum: Investing - Theory, News & General
Topic: no bonds in roth?
Replies: 34
Views: 4745

Re: no bonds in roth?

My Roth used to be 100% TSM (VTI), but as it grew I decided I wanted to have something in the Roth to re-balance with if necessary. Like on a RRBD (really, really BD) which is when I'd love to back up the truck. So it is now 90-10 TSM/TBM, even thought my overall AA is 65-35. It's just an extra row ...
by toblerone
Wed Mar 07, 2018 2:58 am
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018
Replies: 105
Views: 11008

HSA family max contribution lowered to $6850 for 2018

I didn't see this posted yet. The max was $6900 and now it's $50 lower, apparently due to tax law changes. For those of us that already maxed our HSAs at $6900, how much of a pain will this be to fix and report? Here is the relevant link and text: https://www.irs.gov/irb/2018-10_IRB SECTION 4. 2018 ...
by toblerone
Mon Feb 12, 2018 1:39 am
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 17627

Re: For BHs who actually like cars - [what car do you drive every day?]

2015 Mazda3 2.5L 6-speed manual (S-Touring trim). The perfect modern balance of economy, reliability, and fun for a daily driver 8-)
Now that I've replaced the stock Dunlops with good rubber it's even more fun to drive.
by toblerone
Fri Feb 02, 2018 3:34 am
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6269

Re: Your bond allocation when you were 48

Age 48, 65-35. Prior to age 45 I was 70-30. Prior to age 43 I had no idea what I was doing. Thanks BH!
At retirement or just before I plan to shift to 60-40 for life.
by toblerone
Wed Jan 24, 2018 1:36 am
Forum: Investing - Help with Personal Investments
Topic: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?
Replies: 46
Views: 5780

Re: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?

I could try and learn all about options, read a book, study it, but after reading all these posts it just seems like not worth the time that I will have to sink in to it. Whats the point if the boring 3fund will just outperform it all in the long run. Exactly. You have an AA you are comfortable wit...
by toblerone
Tue Nov 07, 2017 2:39 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest home downpayment which I am not certain when to buy if ever?!
Replies: 62
Views: 4104

Re: Where to invest home downpayment which I am not certain when to buy if ever?!

Those factors are relevant. So, please explain to us why you can afford a 300K house? The answer should be obvious after you give us the numbers. This is irrelevant to my question. We are drifted away. I am asking about where to invest. I am not here to proof i can afford it. Thanks! OP I would giv...
by toblerone
Mon Oct 23, 2017 12:49 am
Forum: Investing - Theory, News & General
Topic: Isn't a Roth IRA and Backdoor Roth Equally Advantageous?
Replies: 24
Views: 3309

Re: Isn't a Roth IRA and Backdoor Roth Equally Advantageous?

I've always considered a direct Roth IRA contribution slightly superior to a backdoor Roth. The backdoor involves a conversion, meaning you need to wait 5 years to avoid an early withdrawal penalty on distribution of the converted amount. It doesn't apply to most cases, but it is something.
by toblerone
Mon Oct 23, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: New to Portfolio and Investing
Replies: 10
Views: 1088

Re: New to Portfolio and Investing

A total of 7 holdings across 5 accounts.
And if OP combines the IRAs, 6 holdings in 4 accounts :thumbsup
by toblerone
Sun Oct 22, 2017 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: New to Portfolio and Investing
Replies: 10
Views: 1088

Re: New to Portfolio and Investing

Questions: 1. How should I improve my tax efficiency? I would keep bonds and actively managed funds out of your taxable account. It looks like both FASMX and FBALX are both actively managed, and contain a lot of bonds (and are expensive!). See https://www.bogleheads.org/wiki/Tax-efficient_fund_plac...
by toblerone
Sun Oct 22, 2017 10:11 pm
Forum: Investing - Help with Personal Investments
Topic: New to Portfolio and Investing
Replies: 10
Views: 1088

Re: New to Portfolio and Investing

Welcome :sharebeer
Your %'s don't add up to 100%:
60% taxable (including 4% cash)
42% TIRA
8% RIRA
16% Solo 401k
=126%
Think of all your accounts as one big portfolio and list the % of the total for each holding.
You should also list what is available in your Roth account.
by toblerone
Thu Sep 21, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 27349

Re: I won the Lottery. Need sound advice.

I have about 215k in "bad debt" (credit cards, a 401k loan, car loans, student loans, etc.). My credit score is horrific. I'd like to wipe out all debt ASAP, except for maybe one of the car loans which is at 0.9%. I don't need any "major" purchases. Some upgrades to the house, finish the basement, ...
by toblerone
Thu Sep 21, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Advise on what to do with additional savings
Replies: 27
Views: 3014

Re: Advise on what to do with additional savings

he was not an advocate of a backdoor Roth or certain that we would qualify. If you have earned income you can do a backdoor Roth. Your spouse can do one now, and also for you as a spousal IRA. There isn't anything apparent that would disqualify you. The question is whether or not it's a good idea. ...
by toblerone
Mon Jul 24, 2017 8:42 pm
Forum: Personal Consumer Issues
Topic: Garage Remodeling
Replies: 14
Views: 2063

Re: Garage Remodeling

Does high R-value door require more maintenance than a regular one in the long run? Higher R-value just means it's better insulated, and I suppose higher overall quality. How difficult is this (floor) to do yourself, can a novice handle it? Yes, as a previous poster said, a novice can do it, if you...
by toblerone
Sun Jul 23, 2017 8:29 pm
Forum: Personal Consumer Issues
Topic: Garage Remodeling
Replies: 14
Views: 2063

Re: Garage Remodeling

I did this, for a 3-car garage a few years ago. It can be a major disruption if you use your garage a lot, much like a kitchen remodel, but well worth it. I broke it down into 2 phases: Phase 1, before I had to clear everything out, and Phase 2, when it made sense to have the garage completely empty...
by toblerone
Tue Apr 25, 2017 1:49 am
Forum: Personal Finance (Not Investing)
Topic: Kitces on Social Security- Divorce and the spousal benefit
Replies: 4
Views: 1294

Re: Kitces on Social Security- Divorce and the spousal benefit

I started divorced spouse SS a year ago at FRA. This will continue for another 34 months at which point I switch to my own benefit... It looks like your total benefit by age 70 would have been higher if you started spousal SS a year or two before FRA (assuming the 5% per year numbers in the OP). Co...
by toblerone
Fri Feb 10, 2017 1:48 am
Forum: Investing - Theory, News & General
Topic: a good time to fix your mortgage?
Replies: 17
Views: 2842

Re: a good time to fix your mortgage?

If you have a 3.25% rate, wouldn't it be better to keep it at 30 years over 15, and put that money toward a Roth/Trad. IRA/401k? That's not enough info to determine. The 30 year is a higher rate than the 15 to begin with, and it also depends on the size of the mortgage. But I think the answer is "m...
by toblerone
Fri Feb 03, 2017 1:02 am
Forum: Investing - Help with Personal Investments
Topic: 30 year old and feeling extremely behind...
Replies: 43
Views: 6386

Re: 30 year old and feeling extremely behind...

You are willing to pay $4,000 extra in tax just to get rid of this student debt 8-10 months earlier. KlangFool Is this correct, $4000? From the numbers it looks a little high but maybe the original plan for 2017 only included the match. To be fair, that money is taxed as ordinary income later, and ...
by toblerone
Fri Dec 30, 2016 4:16 am
Forum: Investing - Help with Personal Investments
Topic: Advice for staying the course
Replies: 20
Views: 2362

Re: Advice for staying the course

I've been at this for about 2.5 years also, since my "Bogle-ution", and feel the same way at times.
If you are "bracing for conditions that are more trying", perhaps you should revisit your IPS and your AA. Ability, Need, and Willingness are always the key questions I go back to.
by toblerone
Fri Dec 23, 2016 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice/Questions
Replies: 6
Views: 688

Re: Portfolio Advice/Questions

You could put all of the 20k into Roth IRAs, nearly maxing for 2016 and 2017 for both you and your wife (max would be 22k). That's what I would do, in your situation. Have you looked into rolling your wife's Trad IRA into her 401k? That would reduce the number of your accounts and make it easier to ...
by toblerone
Wed Nov 02, 2016 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: WA state 529 program (GET) change worth it?
Replies: 28
Views: 4344

Re: WA state 529 program (GET) change worth it?

If you move the funds to a regular 529 (not a "guaranteed tuition" 529 like GET), there will be no mandatory monthly payments. It's like any other investment vehicle - you pay what you want. Your installment plan was based on algorithm that assumed a large tuition increase every year (plus an instal...
by toblerone
Wed Nov 02, 2016 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: WA state 529 program (GET) change worth it?
Replies: 28
Views: 4344

Re: WA state 529 program (GET) change worth it?

I read through this thread and saw people talking about getting a better return using other 529 plans. Does that mean that there's potential for the amount I've paid so far (and what assume I will be paying for 4 and 9 more years into whichever plan the money resides) to pay for more than a year? Y...
by toblerone
Thu Oct 06, 2016 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Requested
Replies: 3
Views: 596

Re: Portfolio Review Requested

That's a question that's been asked here, and answered by those smarter than me:
bonds in taxable

Good luck!
by toblerone
Wed Oct 05, 2016 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review Requested
Replies: 3
Views: 596

Re: Portfolio Review Requested

1. Should I consolidate my assets to two companies instead of the 3: TIAA, Vanguard and Fidelity? The bulk of my money is at TIAA under an employer sponsored plan. This plan has the highest expense ratios of all the plans. However, I like TIAA for their real estate fund. I would also be open to rol...
by toblerone
Fri Aug 05, 2016 12:37 am
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 5787

Re: Where to find common items that last "forever"

Interesting topic... very boglehead-ish! Items off the top of my head... Weber grills - if you replace the wear items as needed. It might be nasty after 40 years, but it will work. Honda lawn mowers - if you change the oil once a year and take care of it, they seem to last forever Good knives Good s...
by toblerone
Fri Jul 29, 2016 12:35 am
Forum: Personal Consumer Issues
Topic: It's too hot
Replies: 49
Views: 5105

Re: It's too hot

First, clean the air filters. Next, if you are handy: remove the cover on the condenser (outside). Using your garden hose, spray off the loose debris on the condenser fins. Then spray Simple Green on all the fins, and let sit for 5 minutes. Then rinse again with the garden hose, and replace the cove...
by toblerone
Fri Jun 24, 2016 1:56 am
Forum: Personal Consumer Issues
Topic: Good Deal on a Pocket Pistol
Replies: 124
Views: 13682

Re: Good Deal on a Pocket Pistol

Diogenes wrote:Any thoughts on the Glock 27 for that purpose? It is a very compact and well-built pistol.
It's a little large for a "pocket pistol". I have a G26 which I think is the same frame (9mm vs .40) and it's a little big for my pocket. A great carry pistol but meant for a holster, I use IWB.
by toblerone
Tue May 17, 2016 10:20 pm
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 6568

Re: Emergency Preparedness

For the case of an emergency and we shelter in place, besides the basics (first aid, batteries, radio, etc) I figure we only need 3 things in sufficient supply to make it through a multi-day emergency.: food, water, and heat. Water is easy since we drink a lot of bottled water. I built a shelf where...
by toblerone
Tue May 03, 2016 4:10 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 16667

Re: Sci-Fi ... your favorite movies and episodes??

Movies: Moon, Logan's Run, Colossus: The Forbin Project, The Andromeda Strain (slow, but not as slow as 2001 Space Odyssey!)
by toblerone
Mon Mar 07, 2016 3:22 am
Forum: Personal Finance (Not Investing)
Topic: FICO Score??
Replies: 69
Views: 7064

Re: FICO Score??

Does FICO look at diversity of lenders? That is, is there advantage to having credit lines with several different huge banks? Do I need necessarily to go through a bank, or will one of my rinky dink credit unions do just as well? Is there a concrete advantage from a credit score perspective to havi...
by toblerone
Mon Mar 07, 2016 1:37 am
Forum: Personal Finance (Not Investing)
Topic: FICO Score??
Replies: 69
Views: 7064

Re: FICO Score??

Thanks @toblerone! Digging into the Credit Karma page a bit more, it shows "N/A", "Good" or "Excellent" ratings for all indicators except "Number of Accounts," which is "Very Poor." So for a credit card -- based on my readings, is it true that I want something with the highest limit possible? Then,...
by toblerone
Mon Mar 07, 2016 1:09 am
Forum: Personal Finance (Not Investing)
Topic: FICO Score??
Replies: 69
Views: 7064

Re: FICO Score??

credit cards? Probably the easiest solution, and most valuable, as long as you are disciplined enough to never carry a balance. Purchase protection, convenience, and rewards.. why not? Open a couple cards now and let the limit grow and the inquiries fall off by the time you are ready for a house pu...
by toblerone
Tue Feb 16, 2016 1:13 am
Forum: Personal Finance (Not Investing)
Topic: Extra 10K lying around - should i invest?
Replies: 23
Views: 4048

Re: Extra 10K lying around - should i invest?

now that i've thought about it, the AKREX 1.34% ER is absurdly high. My market value of AKREX is around 34,000, which means I'm paying almost $500 a month just to have that. Actually it's almost $500 per year, but that's still a lot for $34k invested! I only have $440 capital gains in AKREX. Is the...
by toblerone
Mon Feb 01, 2016 1:00 am
Forum: Personal Finance (Not Investing)
Topic: Is a Will or Trust necessary for a single person with no kids?
Replies: 21
Views: 4644

Re: Is a Will or Trust necessary for a single person with no kids?

corner559 wrote:I actually was wondering the same thing. Am curious as to what the rough cut off point would be when a will is no longer sufficient and a trust would be better suited to your needs.
I'm wondering the same thing, either in terms of assets, or events (having kids, divorce, retiring, etc.)
by toblerone
Wed Jan 13, 2016 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: WA state 529 program (GET) change worth it?
Replies: 28
Views: 4344

Re: WA state 529 program (GET) change worth it?

I just did this, for 2 kids. I mailed the forms mid-Oct. 9 weeks later I got the first check, a refund of custom monthly contributions since July. A week after that I got the big check. I wasn't sure if I only had to rollover the big one, or both, but I deposited both into a new Vanguard 529 (Nevada).
by toblerone
Tue Jan 12, 2016 1:41 am
Forum: Investing - Help with Personal Investments
Topic: TLH - Can I retake my desired Total Intl holdings ?
Replies: 3
Views: 502

Re: TLH - Can I retake my desired Total Intl holdings ?

I believe you already have a wash sale, selling VXUS on 11/13, because you bought VXUS on 10/30 (within 30 days prior).
by toblerone
Tue Jan 05, 2016 2:12 am
Forum: Personal Consumer Issues
Topic: Waste of money? [High-end home theater]
Replies: 151
Views: 13201

Re: Waste of money?

munemaker wrote:As a general rule, men love the bigger-the-better screen TVs and fancy home theater, and women just don't get it.
I am sure there are exceptions.
Once you go projector, and play their favorite romantic comedy in 120" HD glory, they get it 8-)
by toblerone
Thu Dec 24, 2015 12:02 am
Forum: Investing - Help with Personal Investments
Topic: Age in Bonds
Replies: 108
Views: 10657

Re: Age in Bonds

Age -10 here, at age 46 (64/36). If I were to suggest a "rule of thumb" I think age -10 is a good starting point, better than age in bonds. But what do I know? :? It works for my risk tolerance, but everyone is different.
by toblerone
Sat Dec 12, 2015 2:27 am
Forum: Investing - Help with Personal Investments
Topic: REIT in taxable account screwup
Replies: 17
Views: 2563

Re: REIT in taxable account screwup

Do you have an IPS? I think part of your confusion is that you think the TLH sell will be locking in a loss. Not so... the Boglehead TLH method is to maintain your asset allocation by selling, and then buying the same amount of something similar (but not substantially identical or whatever the IRS l...
by toblerone
Wed Dec 09, 2015 4:52 am
Forum: Investing - Help with Personal Investments
Topic: Request for Portfolio & Financial Planning Advice
Replies: 23
Views: 2533

Re: Request for Portfolio & Financial Planning Advice

would you prioritize paying down student loans or retirement savings? I’m inclined to boost retirement savings, as expected return is higher than interest rates on student loans (even after tax). Welcome to BH. It looks like you are only saving 10-15% of your income toward toward retirement, so I w...
by toblerone
Wed Sep 16, 2015 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: WA state 529 program (GET) change worth it?
Replies: 28
Views: 4344

Re: WA state 529 program (GET) change worth it?

Just making sure this is a no-brainer to get out of GET... From the account info page: Payoff amount $17k Total Custom Monthly dollars to date $28k Sophomore in high school I fill out the form, check the "College Affordability Act" box, and get it notarized. I mail it in, wait 10-12 weeks, and get a...
by toblerone
Thu Jun 11, 2015 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: pls help with my AA, incl TSP
Replies: 17
Views: 2619

Re: help me help you!

I'm wondering if I should supplement with another ETF perhaps Russel 2000, (VTWO ER 0.23) to better track to total stock market. Or maybe I can use the TSP S fund for this purpose? Although S-fund seems like the complement to C-fund (S&P 500) and is probably too large to complement the Blackrock US...
by toblerone
Thu Jun 11, 2015 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Prep for Backdoor Roth
Replies: 3
Views: 863

Re: Prep for Backdoor Roth

The word you are looking for is recharacterization. I believe the deadline to recharacterize a 2014 IRA is Oct 15, 2015 if you filed by April 15, 2015. I've never done it, just bumping your post so others might respond. It sounds like you have the right idea.
by toblerone
Thu Jun 11, 2015 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA - Possible in my situation?
Replies: 19
Views: 2463

Re: Back Door Roth IRA - Possible in my situation?

In my case, the T-ira and the rollover for one of the accounts is about the same, so 50% would be tax free. By "accounts" do you mean "persons" (you or your spouse), and that one of you has two T-iras with about the same amount of deductible and non-deductible money between them? Then yes this is c...
by toblerone
Thu Jun 11, 2015 3:08 am
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA - Possible in my situation?
Replies: 19
Views: 2463

Re: Back Door Roth IRA - Possible in my situation?

rickatbh wrote:B. If the above is possible, can I create a new TIRA each year, fund it to the max, then roll it over to the previously created Roth IRAs?
You don't need to create a new TIRA, just use the same one every year. 99% of the time it will have a zero balance.
by toblerone
Thu Jun 11, 2015 1:53 am
Forum: Investing - Help with Personal Investments
Topic: pls help with my AA, incl TSP
Replies: 17
Views: 2619

Re: help me help you!

I like the idea of all your bonds in TSP G fund, and nixing gold. You want 80/20 with 40% of equities int'l, which comes to 48% US, 32% int'l, 20% bond. You have 56% TSP, 30% Roth, and 14% 401k Here's what I would do: Start by putting 20% G fund into TSP. That takes care of your bonds. Then 14% (all...