Search found 92 matches

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: 2439

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 &q...
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: 5287

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: 2007

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: 591

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: 27
Views: 3387

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...
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: 27
Views: 3387

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: 474

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: 474

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: 5008

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: 4349

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: 11597

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: 5825

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: 14238

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: 6236

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: 6236

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 wan...
by toblerone
Mon Mar 07, 2016 1:09 am
Forum: Personal Finance (Not Investing)
Topic: FICO Score??
Replies: 69
Views: 6236

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: 3569

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: 2764

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: 27
Views: 3387

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: 464

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: 11443

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: 9814

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: 2289

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: 2255

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: 27
Views: 3387

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,...
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: 2498

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 Blackroc...
by toblerone
Thu Jun 11, 2015 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Prep for Backdoor Roth
Replies: 3
Views: 808

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: 2331

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...
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: 2331

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: 2498

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...
by toblerone
Wed Jun 10, 2015 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Disadvantages from moving 401k to IRA
Replies: 37
Views: 4650

Re: Disadvantages from moving 401k to IRA

Could someone explain why a backdoor Roth would be more difficult after moving 401k funds to an IRA? Because step 2 of a backdoor Roth is a conversion from Trad IRA to Roth IRA. During the conversion you have to pay tax on the pro-rata share of ALL your tax-deferred IRA money. If you had previously...
by toblerone
Tue Jun 02, 2015 1:23 am
Forum: Personal Finance (Not Investing)
Topic: Starting later in life... should I buy a home?
Replies: 15
Views: 1701

Re: Starting later in life... should I buy a home?

More info would help, like monthly expenses, savings rate, etc to determine whether it's a good idea for you right now, financially. See "asking portfolio questions" and post in that format. Overall it looks like you can buy a home now, if you want to buy a home. Is $380k your target price...
by toblerone
Tue May 19, 2015 12:51 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell my company's stock and exchange it for an SP500 index fund?
Replies: 60
Views: 5834

Re: Should I sell my company's stock and exchange it for an SP500 index fund?

What exactly does single stock risk mean in this situation? My company's stock has low beta to the S&P500, and has a lower valuation, so it seems to me like the SP500 is a riskier asset. Diversification is the so-called free lunch, or cheaper lunch. It will lower volatility without lowering exp...
by toblerone
Tue May 12, 2015 1:46 am
Forum: Personal Consumer Issues
Topic: Epoxy garage floor?
Replies: 20
Views: 3226

Re: Epoxy garage floor?

I have a 3-car garage, and at first tried the water based product sold at HD on part of the floor. It flaked off badly but I think most of that was due to poor surface preparation. The second time, 8 years later, I decided to tackle it again. This time it turned out great, well worth the $ and hours...
by toblerone
Tue Apr 21, 2015 1:51 am
Forum: Investing - Help with Personal Investments
Topic: Should I make Roth contributions to 401k?
Replies: 28
Views: 2521

Re: Should I make Roth contributions to 401k?

The first graph is not fair, because you are saving less money with the Traditional option. Remember after tax dollars are worth more now than pre-tax. To be fair you need include the taxable investment and treat it properly. In the end all that really matters is the tax bracket you are in now vs th...
by toblerone
Tue Apr 21, 2015 1:35 am
Forum: Investing - Help with Personal Investments
Topic: Should I make Roth contributions to 401k?
Replies: 28
Views: 2521

Re: Should I make Roth contributions to 401k?

Question re: "+ tax savings", are these taxable savings being treated the same as your 401k in the calculation? It seems you are around the breakeven point with the Roth vs Traditional argument. Changes in tax laws and your tax brackets could change the totals in the prediction pretty easi...
by toblerone
Thu Mar 12, 2015 1:04 am
Forum: Investing - Help with Personal Investments
Topic: Ideas/Strategies to Invest in Taxable Account
Replies: 27
Views: 3649

Re: Ideas/Strategies to Invest in Taxable Account

1) Continue to dirp invest into the above mentioned blue chip dividend paying stocks and add a few more along the way to drip into(WMT, JNJ, ABT...ect) 2) ditch this strategy and make my life easier by just dripping into sector ETF's through sharebuilder's website 3) combination of Individual blue ...
by toblerone
Wed Mar 11, 2015 1:28 am
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 6151

Re: If you could send an investment message 10 years in the

"Divorcenow,savelikecrazy" followed by some compressed lottery numbers for 2006. Or, if limited to investing, the hottest stock from 2006-2015.
by toblerone
Wed Feb 25, 2015 2:02 am
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 346
Views: 55197

Re: What are Costco's best deals?

I'm not sure these are the best deals, but what I consider good deals for what I want/need, and that I never buy at regular grocery stores.

water (40 x 500ml bottles)
bounty paper towels
charmin toilet paper
xerox printer paper
cereal
mixed nuts
razor refills, toothpaste, shampoo, deodorant
by toblerone
Tue Feb 24, 2015 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Yet another how much to save for retirement question.....
Replies: 5
Views: 926

Re: Yet another how much to save for retirement question....

airahcaz wrote:Are the reversed? One needs more $ for a higher SWR.

No, because the income side is fixed. (%)*(total)=income. Lower % requires a higher total.
by toblerone
Tue Feb 24, 2015 1:37 am
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 19267

Re: How much did you have saved up for retirement at age 30?

Zero dollars, inflation adjusted. I cashed out a 10k SEP IRA to help pay for changing jobs and cities. One of many dumb mistakes until a financial epiphany following divorce at age 40 and Bogle-ution at 43. I'm at ~500k now at 45, so doing ok. Cheers to the 30 yr olds with 100k+! :sharebeer
by toblerone
Thu Feb 05, 2015 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Complete and utter newbie wanting direction...
Replies: 28
Views: 2408

Re: Complete and utter newbie wanting direction...

Instead of trying to eat the whole elephant at once, during your reading try to understand these two topics: - Account types (401k, Roth, Traditional IRA, etc), how they work, and pros/cons of each - Asset classes (stock vs bond, domestic vs international) and how to determine your asset allocation ...
by toblerone
Tue Jan 13, 2015 2:42 am
Forum: Investing - Help with Personal Investments
Topic: portfolio checkup
Replies: 3
Views: 693

Re: portfolio checkup

dhc wrote:3. I'm starting to bat around ideas about investing the emergency fund in something other than an online savings account.

I-bonds might be a good next step for the E-fund: about double the interest rate, just as safe and inflation protected, while giving up a bit of liquidity, at least for one year.
by toblerone
Fri Jan 02, 2015 2:43 am
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 255
Views: 32947

Re: What do you drive, and why?

2015 Mazda 3s Touring Hatch 2.5L MT, bought last November. So far, best car I've ever owned 8-) It replaced a 2004 Mazda 6i Hatch 2.3L MT which was also bought new, second best car I've ever owned 8-) Why? For a simple 4-seat car Mazda offers the best for peformance/reliablity/price combined, if per...
by toblerone
Fri Jan 02, 2015 1:52 am
Forum: Personal Finance (Not Investing)
Topic: Saving too much in retirement accounts? Numbers inside.
Replies: 16
Views: 4788

Re: Saving too much in retirement accounts? Numbers inside.

Now (2015) until 40: Continue saving and coming close to maxing out tax sheltered accounts, AA 100% stock. 41-50: Reduce contributions and begin buying bonds. 51-70: No contributions, Annually rebalance with a target AA of 60-40 around age 70, which is when these accounts would begin withdrawals. I...
by toblerone
Thu Jan 01, 2015 1:58 am
Forum: Personal Finance (Not Investing)
Topic: Almost made it! From $ -530k net worth to $-9k this yr
Replies: 36
Views: 7883

Re: Almost made it! From $ -530k net worth to $-9k this yr

Coiled_Snake wrote:*By the way, you don't count 529s in net wealth, right? That would sneak me right over to the positive side.

I use them in net worth calculations, but I factor in the penalty for non-educational expenses. A good middle ground for the NW calc - your true asset, if you withdrew it for any purpose.
by toblerone
Wed Nov 19, 2014 1:58 am
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 6158

Re: Buying a lasting vehicle

Not trying to be a pain but why are foreign cars so popular on this forum? :) Just about every suggestion is a foreign car and American cars are very rarely suggested. Have you had bad experiences with American cars and/or found the foreign cars to be more reliable? Or do you base your decisions on...

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