Search found 121 matches

by KeepItSimple78
Sat Oct 24, 2020 2:01 pm
Forum: Investing - Theory, News & General
Topic: Best way to mitigate the top heaviness of Total Stock Market Funds
Replies: 118
Views: 8601

Re: Best way to mitigate the top heaviness of Total Stock Market Funds

OP, not sure it's the best way, but my way of mitigating "top heaviness" as you describe it, is to tilt toward value. KeepItSimple78: If there was ever a lesson about the danger of speculating in a stock market category, it is NOW. Anyone who tilted away from total market stocks into valu...
by KeepItSimple78
Sat Oct 24, 2020 10:18 am
Forum: Investing - Theory, News & General
Topic: Best way to mitigate the top heaviness of Total Stock Market Funds
Replies: 118
Views: 8601

Re: Best way to mitigate the top heaviness of Total Stock Market Funds

OP, not sure it's the best way, but my way of mitigating "top heaviness" as you describe it, is to tilt toward value.
by KeepItSimple78
Sat Oct 24, 2020 10:11 am
Forum: Personal Investments
Topic: Migrating IRAs to another brokerage, pitfalls?
Replies: 7
Views: 679

Re: Migrating IRAs to another brokerage, pitfalls?

Moving forward with the transfer of assets next week (after funds to ETFs conversion is complete). Just be aware that any income issued after the initial transfer (month-end) will slowly straggle across days after it is posted on your Vanguard account. It all will catch-up at some point. When I tra...
by KeepItSimple78
Fri Oct 23, 2020 9:05 pm
Forum: Personal Investments
Topic: Migrating IRAs to another brokerage, pitfalls?
Replies: 7
Views: 679

Re: Migrating IRAs to another brokerage, pitfalls?

Moving forward with the transfer of assets next week (after funds to ETFs conversion is complete). Spoke with someone at Merrill and they walked me through the process and offered to cover the close-out fees from Vanguard. I am able to initiate the transfer of assets online which is nice. I expect i...
by KeepItSimple78
Sat Oct 17, 2020 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: right forum? two brokerages? (update: which new brokerage)
Replies: 15
Views: 923

Re: right forum? two brokerages? (update: which new brokerage)

Of the brokerage houses I utilize, I've been most happy with Fidelity.
by KeepItSimple78
Sat Oct 17, 2020 12:27 pm
Forum: Personal Investments
Topic: Migrating IRAs to another brokerage, pitfalls?
Replies: 7
Views: 679

Migrating IRAs to another brokerage, pitfalls?

Planning to move 3 IRAs from Vanguard to Merrill Lynch. I hold passive funds and a small money market allocation in one of the IRAs. My understanding is the first step is to convert the funds to ETFs. After which I would contact Merrill and have them start the process of opening IRAs there and trans...
by KeepItSimple78
Sun Oct 11, 2020 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Consider mortgage loan modification (rather than a refinance)
Replies: 1
Views: 304

Consider mortgage loan modification (rather than a refinance)

It's been a while Bogleheads, but I had such a good outcome that I felt compelled to share it with the community. I began exploring a refinance a few months ago at various institutions. My original rate on a 15-year fixed (13 years remaining) was 3.25% through a local credit union. With a fairly low...
by KeepItSimple78
Fri Aug 23, 2019 11:12 am
Forum: Personal Consumer Issues
Topic: Used Kona Lanai bike for $200-$230
Replies: 17
Views: 1145

Re: Used Kona Lanai bike for $200-$230

Thanks so much. Will look on and reconsider the Giant I tested at the bike shop. Cool, is this the one? - https://www.giant-bicycles.com/us/simple-three I really like the 3 speed internal gear hub (simple with a great range). I'm not a big fan of the wide sweeping handle bars but those can cheaply ...
by KeepItSimple78
Thu Aug 22, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Used Kona Lanai bike for $200-$230
Replies: 17
Views: 1145

Re: Used Kona Lanai bike for $200-$230

Thanks so much. Will look on and reconsider the Giant I tested at the bike shop.
by KeepItSimple78
Thu Aug 22, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Used Kona Lanai bike for $200-$230
Replies: 17
Views: 1145

Re: Used Kona Lanai bike for $200-$230

Perhaps this is beyond what I need. Efficiency and ease of maintenance are important as I'd like to be able to just grab and go without thinking about it. ThankYouJack, I visited a local bike shop about a month ago and they put me on a basic new Giant-brand cruiser... which felt fine. It was $350 be...
by KeepItSimple78
Thu Aug 22, 2019 10:53 am
Forum: Personal Consumer Issues
Topic: Used Kona Lanai bike for $200-$230
Replies: 17
Views: 1145

Re: Used Kona Lanai bike for $200-$230

Great insight from both of you, thanks. Big help already
by KeepItSimple78
Thu Aug 22, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Used Kona Lanai bike for $200-$230
Replies: 17
Views: 1145

Used Kona Lanai bike for $200-$230

Looking to acquire an entry level bike for causal riding around my neighborhood and on the levee (water wall-barrier) nearby. I can grab the bike described from a local nearby via a social media marketplace transaction (seller has it listed at $275). I am not very familiar with brands, prices when i...
by KeepItSimple78
Sun Aug 04, 2019 11:25 am
Forum: Personal Investments
Topic: Hit a rebalance band - buy stocks in what account?
Replies: 2
Views: 263

Hit a rebalance band - buy stocks in what account?

Aside from normal automated investing, I've been building a small cash (cash equivalent) position as an additional layer of emergency fund/dry powder. I've been directly a small amount of 401k into a stable value and buying Tbills in a Fidelity brokerage. After updating my spreadsheets at the end of...
by KeepItSimple78
Wed Mar 20, 2019 11:11 am
Forum: Personal Investments
Topic: Portfolio review + help getting started in brokerage account
Replies: 5
Views: 808

Re: Portfolio review + help getting started in brokerage account

Great, thanks. And again to ensure smooth harvesting of losses in the new brokerage: We can continue to contribute to the Vanguard funds in the 403b/IRAs freely and automatic reinvestment of dividends can remain on, as they track different indicies than the proposed ETFs (ITOT and IXUS) mentioned ab...
by KeepItSimple78
Sun Mar 17, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 25114

Re: Talk me in/out of $35k Tesla Model 3

My understanding is that the Model 3 is expensive to own and reliability is suspect. Secondly, what part of the country do you live in? If you live in the northeast or midwest, extreme cold can lower the efficiency of the battery which can lower the range and result in more charging related expenses...
by KeepItSimple78
Sun Mar 17, 2019 10:44 am
Forum: Personal Investments
Topic: Portfolio review + help getting started in brokerage account
Replies: 5
Views: 808

Re: Portfolio review + help getting started in brokerage account

1. You are doing great. Portfolio is simple and well-diversified. The only thing you may want to consider is rolling over the tIRA to the Roth. This has tax implications so you will want to run the math, especially if the gains are large. The advantage of the Roth is that it a tax-free account, whi...
by KeepItSimple78
Sat Mar 16, 2019 5:50 pm
Forum: Personal Investments
Topic: Portfolio review + help getting started in brokerage account
Replies: 5
Views: 808

Portfolio review + help getting started in brokerage account

Emergency funds: yes Debt: mortgage only (15-year fixed @ 3.25%, $294k remaining with 14 years to ago) Tax Filing Status: married filing jointly Tax Rate: 22% Federal, 6% State State of Residence: LA Age: 33 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 30% of st...
by KeepItSimple78
Sun Jan 06, 2019 11:46 pm
Forum: Personal Finance (Not Investing)
Topic: Recent Engineering College Graduate can’t get job interviews, needs advice
Replies: 149
Views: 14654

Re: Recent Engineering College Graduate can’t get job interviews, needs advice

As many others have said, try omitting GPA in general or calculating and using core engineering classes GPA only if that will pull it up.
by KeepItSimple78
Sun Jan 06, 2019 11:34 pm
Forum: Personal Investments
Topic: Ready to open a taxable account - where and AA strategy
Replies: 2
Views: 409

Ready to open a taxable account - where and AA strategy

As far as I can tell from looking through old threads, Fidelity, Schwab, and Vanguard seem to be the brokerage firms favored by the majority... with Fidelity and Schwab seemingly having the edge in IT and customer service. Anyone have any particular strong feelings or recent dealings (good or bad) w...
by KeepItSimple78
Thu Dec 20, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)
Replies: 34
Views: 4697

Re: Stand up desks: Jarvis vs UpLift vs ?? (Help me shop)

Sandtrap, I purchased the following sit-stand desk made by Luxor within the past month for a home office: https://www.walmart.com/ip/Luxor-47-1-4-W-Crank-Adjustable-Stand-Up-Desk-Dark-Walnut/43233118 It's been great thus far. It's very heavy-duty, no wobble even at topped-out height (with a lot of c...
by KeepItSimple78
Tue Sep 18, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 4485

Re: Should I get a new iPhone?

I don't think it's worth it. Wait for the next gen and buy the X, XS, or XR at a discount. I recently upgraded from an iPhone 5 to a refurbished iPhone 7 direct from Apple (comes with new battery, new shell, 1 year warranty) for $379. I love the phone. I couldn't fathom spending $1000+ for the newes...
by KeepItSimple78
Tue Sep 18, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 915

Re: New microwave or seek service options?

Make sure it is not a broken door switch! https://www.youtube.com/watch?reload=9&v=_CtGVScF0sU I replaced a broken door switch on my built-in GE microwave oven from watching Youtube videos! $6 for the switch on eBay. The pain in the butt is waiting for the switch to arrive. We ended up buying a...
by KeepItSimple78
Wed Sep 05, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 915

Re: New microwave or seek service options?

Make sure it is not a broken door switch! https://www.youtube.com/watch?reload=9&v=_CtGVScF0sU I replaced a broken door switch on my built-in GE microwave oven from watching Youtube videos! $6 for the switch on eBay. The pain in the butt is waiting for the switch to arrive. We ended up buying a...
by KeepItSimple78
Wed Sep 05, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 915

Re: New microwave or seek service options?

Make sure it is not a broken door switch! https://www.youtube.com/watch?reload=9&v=_CtGVScF0sU I replaced a broken door switch on my built-in GE microwave oven from watching Youtube videos! $6 for the switch on eBay. The pain in the butt is waiting for the switch to arrive. We ended up buying a...
by KeepItSimple78
Wed Sep 05, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 915

Re: New microwave or seek service options?

I really appreciate all of the insight.

I'm planning on calling around a bit about service options, but may try a little DIY first with some of the methods described.
by KeepItSimple78
Wed Sep 05, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: New microwave or seek service options?
Replies: 17
Views: 915

New microwave or seek service options?

Built-in Frigidaire Professional microwave, no idea how long it's been in-use in my new kitchen (recently purchased single-family home) but it has a manufactured date of Jan 04 on the inside of the door. It stopped working last night. The electronic components still function - the display, lightning...
by KeepItSimple78
Thu Aug 30, 2018 1:26 pm
Forum: Investing - Theory, News & General
Topic: Can margin be beneficial for long-term investing?
Replies: 61
Views: 8484

Re: Can margin be beneficial for long-term investing?

Can it be? Yes. Will it be? My crystal ball is cloudy. There are plenty of ways to take on more risk and reach for more reward. Margin trading is something that isn't on my radar personally, but perhaps others here can give you a bit more insight. Though you may have more success on another forum as...
by KeepItSimple78
Thu Aug 30, 2018 1:19 pm
Forum: Personal Investments
Topic: how to find 401k fees
Replies: 16
Views: 1796

Re: how to find 401k fees

You should see the fees in the account transaction log. Usually once a quarter though, so look back in the log a bit or wait longer if this is a new account setup. Either way, I'd look over the plan details closely and make sure you understand what exactly the fees (on top of the expense ratios of t...
by KeepItSimple78
Thu Aug 30, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 157
Views: 11684

Re: How do you save money on groceries?

-buy in bulk when it makes sense from warehouse clubs
-meal plan
-cook from scratch as much as possible
-cook more than needed and benefit from leftovers
-optimize credit card usage - at a minimum use a BoA cash rewards card (2% back grocery stores/Walmart/warehouse clubs)
by KeepItSimple78
Thu Aug 30, 2018 1:02 pm
Forum: Personal Investments
Topic: Pay off student loan with ROTH contributions
Replies: 16
Views: 1330

Re: Pay off student loan with ROTH contributions

Has anyone done this? Probably someone has. I wouldn't. The 40k in your ROTH is extremely valuable (all gains going forward are tax free and not subject to RMDs) and because of yearly contribution limits, you can never get that yearly space back if you were to raid it now to pay down your student lo...
by KeepItSimple78
Thu Aug 30, 2018 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: # of accounts vs wealth perception
Replies: 14
Views: 1681

Re: # of accounts vs wealth perception

Well, you could use an account aggregator that would display the balances of all your accounts in one place. Broken Man 1999 That is true, I do this for banks & credit cards for a snapshot of my ultra short term assets / liabilities but I guess I've been afraid of giving my investment account a...
by KeepItSimple78
Thu Aug 30, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Payoff Student Loan or Keep in tIRA
Replies: 6
Views: 425

Re: Payoff Student Loan or Keep in tIRA

I would not. The tax-deferred space in the tIRA is too valuable and is lost forever in the scenario you describe to pay the student loans. Extra monthly cash flow is great, but in my opinion you'd be sacrificing too much long-term upside to create it. Pay down the loans as aggressively as you can fr...
by KeepItSimple78
Wed Jul 18, 2018 11:23 pm
Forum: Personal Investments
Topic: Taxable AA when goals/horizon unclear
Replies: 6
Views: 606

Re: Taxable AA when goals/horizon unclear

Got it software, thanks.

Perhaps the underlying issue is too aggressive of an AA. 60/40 across all accounts might make me feel better about spending out of taxable for short-term needs. Though at only 33 years of age, many would consider that too conservative.
by KeepItSimple78
Tue Jul 17, 2018 11:10 pm
Forum: Personal Investments
Topic: Taxable AA when goals/horizon unclear
Replies: 6
Views: 606

Re: Taxable AA when goals/horizon unclear

Let me reiterate, I would without a doubt use 75/25 AA across all accounts if all of the accounts were strictly for use in retirement (20+ years). However, my concern is in implementing AA cross all , due to tax efficiency, the taxable account would end up mostly equities. Therefore, if I chose to u...
by KeepItSimple78
Tue Jul 17, 2018 10:39 pm
Forum: Personal Investments
Topic: Taxable AA when goals/horizon unclear
Replies: 6
Views: 606

Taxable AA when goals/horizon unclear

I recently purchased a single-family home and plan to open a taxable investing account soon. Previously I had been maxing out tax-deferred accounts only, while tackling student debt and saving for a downpayment on said home. In the tax-deferred accounts, I chose a 75/25 allocation (since drifted to ...
by KeepItSimple78
Mon Jul 02, 2018 9:47 pm
Forum: Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 5613

Re: Do you own just 5% of anything?

Yes - Vanguard Total International Bond fund, at a little less than 5% currently. Target allocation is 6% of portfolio.
by KeepItSimple78
Thu Jun 14, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Why do we need 529?
Replies: 42
Views: 4955

Re: Why do we need 529?

Short answer - you don't NEED a 529.

However, I would at least consider it depending on your particular situation. Especially if the state you reside in offers a tax benefit or matching funds. I'm in Louisiana, and the state offers both... so I've decided a 529 is worthwhile in my case.
by KeepItSimple78
Thu Jun 14, 2018 4:35 pm
Forum: Personal Investments
Topic: Cash, getting to it
Replies: 8
Views: 1124

Re: Cash, getting to it

Hi Stripe, First off, you need to address your mental hurdle. What could possibly come up in your life that would require that much cash on-hand? Maybe you have special considerations in your life, but for the typical person/family, a good rule of thumb is 6-12 months of expenses set aside for emerg...
by KeepItSimple78
Sat Jun 09, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Submitting an offer on a home
Replies: 24
Views: 3262

Re: Submitting an offer on a home

Thanks for all of the insight thus far.

The buyer's agent I am working with has provided me with comps and a dollar range she believes is fair market value for the target properties. Planning a few more drivebys over the weekend and will mull over all of our options.
by KeepItSimple78
Tue Jun 05, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Submitting an offer on a home
Replies: 24
Views: 3262

Submitting an offer on a home

Hello Bogleheads, I may be making an offer on a single-family home in the very near future. I'm a first-time home buyer, with financial ducks in a row and preapproved through a local credit union for a 15-year fixed at 3.25% (0 points, average fees). What should I know about the process? What should...
by KeepItSimple78
Mon May 14, 2018 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 3163

Re: Am I working with the wrong realtor?

I am curious what makes the agent "your" agent. Have you signed an agreement with them? I am a part time agent and find myself amazed at the personality conflicts I too often see. From my perspective it is a complete waste of my time to entertain submitting an offer on a home that is no l...
by KeepItSimple78
Mon May 14, 2018 9:05 pm
Forum: Forum Issues and Administration
Topic: The front page is ugly
Replies: 140
Views: 19423

Re: The front page is ugly

I like it as it is. The simplicity of it aligns perfectly with the investing philosophy espoused here.

Though admittedly, I'm biased on this issue as my username indicates.
by KeepItSimple78
Mon May 14, 2018 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 3163

Re: Am I working with the wrong realtor?

The agent I'm working with has been a full-time realtor for 15+ years.

Thanks delamer. What you suggest is probably my best course of action.
by KeepItSimple78
Mon May 14, 2018 8:27 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 22291

Re: What Percentage CASH are you?

OP, Sticking strictly to retirement accounts - 8% cash (most of the 8% in tax-deferred accounts, small amount in ROTH). I, similarly, like having a little "dry powder" as you called it. If I chose to do something with this money today, I would probably add to my bond allocations as they ar...
by KeepItSimple78
Mon May 14, 2018 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 3163

Am I working with the wrong realtor?

A single-family home in the area caught my eye a while back. The MLS portal that my agent (buyer's agent) setup did not show the house. I inquired about it and she said it was "under contract" and "not available". My understanding was that in these situations, the deal is by no m...
by KeepItSimple78
Tue Apr 24, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Who benefits from "best and final offer" on condo?
Replies: 107
Views: 10064

Re: Who benefits from "best and final offer" on condo?

OP, I think it ultimately circumstantial... likely the seller is in a time-sensitive situation and needs to unload the house.

Otherwise, as you and others have stated, the potential bidding up of the sale price would only benefit the seller and the agents involved.
by KeepItSimple78
Mon Apr 02, 2018 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 7453

Re: How did you file your income taxes?

H&R Block Deluxe for federal return. Free state efile via Louisiana Department of Revenue.
by KeepItSimple78
Mon Apr 02, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Paying Points on Purchase Mortgage - Worth It?
Replies: 28
Views: 4531

Re: Paying Points on Purchase Mortgage - Worth It?

OP, I'm in the home buying process as well and have decided to do the same thing - put more down rather than mess with points. The escrow discussion has piqued my interest. With money market accounts and CD rates on the rise, I see a convincing argument to pursuing a mortgage agreement without escro...
by KeepItSimple78
Fri Feb 16, 2018 12:39 am
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 159
Views: 17676

Re: What big item (>20k) are you saving up for?

A home down payment, accumulating in a high-yield savings. Looking to buy a long-term family home sometime during 2018.