Search found 2453 matches

by mega317
Fri Aug 17, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 35
Views: 3329

Re: Vanguard predicts 10 year equity returns

Why do they bother doing this? No one can predict anything.
by mega317
Fri Aug 17, 2018 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Online Banking - School Me
Replies: 12
Views: 916

Re: Online Banking - School Me

There are much better rates to be had. depositaccounts.com and bankrate.com will show you what's available. You can get cash from ATMs, often the bank will cover any fees at least up to a limit. If you need large amounts you can transfer within a few days to another account. Or Ally, for example, ca...
by mega317
Fri Aug 17, 2018 2:51 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 115
Views: 7542

Re: New layout of vanguard.com

I would be shocked if they could make design changes to the website that quickly after Fidelity rolled out their new funds. And what's the utility in hiding a 0.04% expense ratio? From people who already own the fund? Yes, I agree this disappearance of expense ratios feels like a reaction to Fideli...
by mega317
Fri Aug 17, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds or No Bonds
Replies: 7
Views: 661

Re: Bonds or No Bonds

Is there any harm in holding bonds as a 2nd tier emergency fund? I've currently got 6 months emergency fund in CapOne MM getting 1.75% interest fully taxable. Could it make sense to reduce the cash emergency fund to 3 months, and take the extra 3 months and plug it into VWITX (vanguard intermediate...
by mega317
Fri Aug 17, 2018 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds or No Bonds
Replies: 7
Views: 661

Re: Bonds or No Bonds

leachim wrote:
Fri Aug 17, 2018 9:21 am
Bonds or No Bonds
Bonds!
by mega317
Fri Aug 17, 2018 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Early 30's - need help with investments and AA
Replies: 2
Views: 239

Re: Early 30's - need help with investments and AA

- you likely should be doing 100% t401k. since you dont give any tax bracket info well..... - are you sure you can do the backdoor rIRA with your rollover IRA.....hint see pro-rata rule - you should limit your indiv stock picking - you should invest it according to your AA and plan. both of which y...
by mega317
Fri Aug 17, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Taking stock of current financial state and way forward
Replies: 6
Views: 758

Re: Taking stock of current financial state and way forward

1. I'm not suggesting OP make a budget in the "spend no more than x dollars in category y each month" but I believe everyone should know where their money is going. It's kind of ludicrous to suggest taking the time to understand your balance sheet would take away from your enjoyment in life but OK. ...
by mega317
Thu Aug 16, 2018 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on where to keep safe money
Replies: 10
Views: 1313

Re: Need advice on where to keep safe money

Ally is presently paying 1.8% for savings accounts and Marcus is paying 1.85%. Both are very easy to deal with. And you do much better than that with treasuries. The 4 week is close to 2% and if you're willing to extend some it's 2.4% for a 52-week. And state tax-free if that's relevant for you. I ...
by mega317
Thu Aug 16, 2018 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Maternity Leave and Open Enrollment - Insurance costs
Replies: 7
Views: 515

Re: Maternity Leave and Open Enrollment - Insurance costs

I'm not quite clear. Are you weighing the choice of putting her on your insurance for a year vs. keeping her own insurance but not being covered at all during the extended maternity? I think the choice is clear. Lots can go wrong early on for mother or baby.
by mega317
Thu Aug 16, 2018 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Elderly Relative Short on Money
Replies: 73
Views: 5174

Re: Elderly Relative Short on Money

She is going to have to reconcile her desire to not work with her desire not to live in a place she considers a dump. Forget about the dividend plan. Bad idea and you can read probably hundreds of hours worth of discussion here about it (some people will disagree with my conclusion). What happens if...
by mega317
Thu Aug 16, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 100
Views: 4746

Re: Take auto loan 0.9% if I can afford cash?

bltn wrote:
Thu Aug 16, 2018 10:09 pm
But that $167 /year for three years is a small price to pay for the good feeling one gets from writing a check to buy a car outright.
That's a huge price! I'd rather have some fancy dinners or a few months of gas or a new Chromebook than the feeling of writing a check.
by mega317
Thu Aug 16, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: What is the best way to invest my fixed income allocation within my IRA?
Replies: 6
Views: 615

Re: What is the best way to invest my fixed income allocation within my IRA?

Richard1580 wrote:
Thu Aug 16, 2018 5:23 pm
A single digit drop in my fixed income portfolio does not concern me
Then take a gander. According to portfoliovisualizer.com, the worst year of the last 30 for the "total US bond market" was -2.66%. Perhaps intermediate bonds are just fine for you after all.
by mega317
Thu Aug 16, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct vs Vanguard for purchase
Replies: 7
Views: 670

Re: Treasury Direct vs Vanguard for purchase

Mitchell777 wrote:
Thu Aug 16, 2018 4:14 pm
As I recall I believe you need to call Vanguard to sell Treasuries, as opposed to buying which you can do on line.
I've never done it but there are "sell" buttons all over the place so I imagine this is not true.
by mega317
Thu Aug 16, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Taking stock of current financial state and way forward
Replies: 6
Views: 758

Re: Taking stock of current financial state and way forward

You say your monthly income is $14,000 but you only list $7,400 in expenses. Where does the other $6,600 a month go? Here's the plot. Some suggested steps for improvement: 1. Chart every dollar in and out. Where is your cash going? I bet your expenses are higher than 1.5k. 2. Build an emergency fun...
by mega317
Thu Aug 16, 2018 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: What is the best way to invest my fixed income allocation within my IRA?
Replies: 6
Views: 615

Re: What is the best way to invest my fixed income allocation within my IRA?

I think you can't time the bond fixed income market just like you can't time the stock market, but the penalties for getting it wrong are much less than with stocks. So if you want to take a very mild gamble at the expense of potentially lower returns and increased complexity, I don't really have a ...
by mega317
Thu Aug 16, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: DCA investing or going into debt ?
Replies: 6
Views: 575

Re: DCA investing or going into debt ?

Agree, you lose flexibility for not much upside.
by mega317
Thu Aug 16, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Overwhelmed! Inherited Tax-Exempt Bonds/MM/Cash in Taxable Accounts
Replies: 10
Views: 1016

Re: Overwhelmed! Inherited Tax-Exempt Bonds/MM/Cash in Taxable Accounts

Careful. We don't know your income or expenses but there are a couple of small red flags. You only have saved $119k at age 35 and are talking about taking a year off work and "see myself" aka don't have a definite plan to return to work. This is not so much money that it can't be blown fairly quickl...
by mega317
Thu Aug 16, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct vs Vanguard for purchase
Replies: 7
Views: 670

Re: Treasury Direct vs Vanguard for purchase

At Vanguard you could easily sell them on the secondary market, but can only buy increments of $1,000. Some people complain about the TD website but you have experience with it already. That's about the only differences I know. I don't see how already having assets at Vanguard matters since you also...
by mega317
Thu Aug 16, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 100
Views: 4746

Re: Take auto loan 0.9% if I can afford cash?

wootwoot wrote:
Thu Aug 16, 2018 2:51 pm
Pay in cash. The boglehead way is to keep your fees low and most of the forum balks at even a .25% fee for investments so .9% is sky high.
Expense ratios are not loans
by mega317
Thu Aug 16, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Married and Hoping to Start on the Right Foot
Replies: 22
Views: 1402

Re: Newly Married and Hoping to Start on the Right Foot

I think you're overestimating your income tax a little. I calculate closer to 30k.

Why do you assume you'll retire in a higher bracket? It is possible (likely?) to draw a lot of retirement income that is untaxed, and you might end up in a different state with lower or no income taxes.
by mega317
Thu Aug 16, 2018 1:22 am
Forum: Personal Consumer Issues
Topic: LA weather in April - Planning Disney
Replies: 5
Views: 335

Re: LA weather in April - Planning Disney

Wikipedia says Anaheim in April the average high is 75, low 53. I call that perfect. Similar in LA, but 10 degrees cooler at the coast and often windy right on the beach. The water is currently record temps making it almost tolerable to spend more than a couple minutes in for the first time in my 6 ...
by mega317
Wed Aug 15, 2018 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Laddering I bonds as emergency fund
Replies: 8
Views: 946

Re: Laddering I bonds as emergency fund

Welcome to the forum. It's a good question. It would take some math that I don't know how to do to determine which are the best ones to redeem--you need to account for penalties if applicable and also taxes on the gains--but the current fixed rate is 0.3% so you're really rearranging deck chairs her...
by mega317
Wed Aug 15, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 24
Views: 2015

Re: Are merchants more (too) careless these days?

....The buying public should just overlook all this, write it off as this is just the way things are, and not complain to store management. Cuz we just "don't get human nature" Huh? That is just plain nuts No wonder service keeps deteriorating in shopping experiences these days. Customers are being...
by mega317
Tue Aug 14, 2018 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: More cash instead of bonds
Replies: 15
Views: 1787

Re: More cash instead of bonds

A T-bill can lose value as well. Let's say you buy at 2.4% today. In 52 weeks you will have made ~$24. But if rates rise and tomorrow one can buy at 5%, then one could make ~$50 in 52 weeks a 1 day. You couldn't resell your bill for anything near what you paid because it is now worth less, almost ex...
by mega317
Tue Aug 14, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 24
Views: 2015

Re: Are merchants more (too) careless these days?

You should try doing the same menial task a thousand or two times a day. I'm guessing you won't be 100% either. Do you see, or expect to see, the cashier looking up at the screen after each beep to double check? It's not that I don't expect them to do their job. And it's not about accepting deficien...
by mega317
Tue Aug 14, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: Are merchants more (too) careless these days?
Replies: 24
Views: 2015

Re: Are merchants more (too) careless these days?

Someone who's ringing up thousands of items a day for crappy hourly wage doesn't have any reason, nor IMO moral responsibility, to be surprised nor apologetic for mistakes. Only to fix it. Just today I was accidentally (?) disconnected while on hold, nearly crashed into at low speed when someone's v...
by mega317
Tue Aug 14, 2018 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Relocating/New Job - Feels Like a Good Time to Check In
Replies: 6
Views: 563

Re: Relocating/New Job - Feels Like a Good Time to Check In

Another option is put a target date or some other balanced fund in all accounts. You'll pay at least a little bit in higher expense ratio but that would be worth it for some people. There's nothing wrong with delaying a decision! You might have more information in a year that will improve your abili...
by mega317
Tue Aug 14, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: BH Sages - help me know if I'm on track!
Replies: 3
Views: 274

Re: BH Sages - help me know if I'm on track!

Then you can save more than 50k per year and retire in under 20 years with a 3% withdrawal rate at that spending level.
by mega317
Tue Aug 14, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: BH Sages - help me know if I'm on track!
Replies: 3
Views: 274

Re: BH Sages - help me know if I'm on track!

I'm no sage but I think you're good. You make $130k. I've got your expenses as 401k 18.5k HSA 3.5k Income tax 20k Ill tax 5k? Roth 5.5k Total expenses you listed 40k. That leaves 37k plus bonus. You should be able to knock that loan out in less than a year unless I'm missing something. I don't care ...
by mega317
Tue Aug 14, 2018 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Wife changing jobs 401k options
Replies: 6
Views: 380

Re: Wife changing jobs 401k options

With Vanguard institutional shares I'd leave the money there until RMD time. Beware the rollover IRA until you learn about the back door Roth as ExitStageLeft said.
by mega317
Tue Aug 14, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Relocating/New Job - Feels Like a Good Time to Check In
Replies: 6
Views: 563

Re: Relocating/New Job - Feels Like a Good Time to Check In

Every time you or your spouse leave a job you should roll your 'old' 401k over into a self-directed IRA at the investment house of your choice (we use Vanguard), aggregating the old 401ks into two accounts (one rollover account for you and one for your spouse). Eventually you will end up with all y...
by mega317
Tue Aug 14, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: VISA stock
Replies: 7
Views: 728

Re: VISA stock

dbapaddy wrote:
Tue Aug 14, 2018 2:01 pm
Needless to say, they're performed nicely.
I'm laughing about this because for me it did need to be said. I have very little idea about the performance of most individual stocks over any particular time period.
by mega317
Tue Aug 14, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Travel over thanksgiving holiday, drive or fly?
Replies: 50
Views: 2145

Re: Travel over thanksgiving holiday, drive or fly?

If getting there is the #1 concern (not going is "not an option) then you have to drive. Door to door by flying will be similar (ground transport to airport, arrive early, wait in terminal, ground transport after you land) and you have more flexibility with driving and no cancellations. And even wit...
by mega317
Tue Aug 14, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: VISA stock
Replies: 7
Views: 728

Re: VISA stock

Yes. Any more detailed answer will require a more detailed post:
viewtopic.php?t=6212
by mega317
Tue Aug 14, 2018 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate our financial health
Replies: 13
Views: 1034

Re: Help evaluate our financial health

Well the idea is that you would sell in taxable and buy the same thing right back in the Roth so your portfolio doesn't change. Taxes are a consideration but I wouldn't be so averse to capital gains taxes that you eschew tax-advantaged space. What's the other 10%, you could use that?
by mega317
Tue Aug 14, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)
Replies: 30
Views: 2886

Re: Books - Your 3 Best - (Nonfiction, Fiction, Financial/Investing)

All-time list would be boring. Of the books I've read recently Fiction I don't read a lot of: No Country for Old Men, Master and Commander, 1984? Nonfiction: Apollo 8 Jeffrey Kluger, Dead Wake by Erik Larsen and everything else of his actually, Popular Crime by Bill James. Financial: The Financial C...
by mega317
Tue Aug 14, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Relocating/New Job - Feels Like a Good Time to Check In
Replies: 6
Views: 563

Re: Relocating/New Job - Feels Like a Good Time to Check In

I don't think you're too complex. I think yours is the typical picture of a 3 fund portfolio across many accounts with no real way to reduce the number of accounts. Build a spreadsheet to help you with rebalancing. There are some fancy ones that people around here have made but mine basically goes l...
by mega317
Tue Aug 14, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: More cash instead of bonds
Replies: 15
Views: 1787

Re: More cash instead of bonds

There is nothing particularly wrong with taking less risk and accepting lower returns. But if you are unhappy with the risk level in your portfolio, the thing to address is the stock/bond ratio.
by mega317
Tue Aug 14, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate our financial health
Replies: 13
Views: 1034

Re: Help evaluate our financial health

As I said upthread, I would NOT pause your retirement contributions but rather spend down the taxable account.
by mega317
Mon Aug 13, 2018 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: Funding 403(b) as Wife Starts Full-time Teaching Career
Replies: 8
Views: 571

Re: Funding 403(b) as Wife Starts Full-time Teaching Career

None that I can think of. You all seem to have enough money without her working, so the only way "smaller paycheck" seems to be a downside would be a psychological one for her. I could see someone being bummed about taking home less money after getting a raise because they have new access to a 403b....
by mega317
Mon Aug 13, 2018 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: VTI vs VTSMX
Replies: 10
Views: 793

Re: VTI vs VTSMX

The largest the fee difference could be is $10. Every other factor in the ETF vs mutual fund decision is more important.
by mega317
Mon Aug 13, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate our financial health
Replies: 13
Views: 1034

Re: Help evaluate our financial health

I'd like to see your Amazon/Costco lines broken out into their components. I do the same thing, I have a "Target" line in my expense tracker because I don't feel like saving receipts and certainly am not going to ask my wife to save receipts to enter them in a spreadsheet later. If I'm guessing it w...
by mega317
Mon Aug 13, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Chinese ETF or Gold or something else?
Replies: 17
Views: 1202

Re: Chinese ETF or Gold or something else?

When you say "preserve the capital but still realize some returns" I hear "conservative". Stocks and gold are not that. If a US investor used that phrasing I would suggest bonds, treasuries, CDs, or perhaps a mix of stocks and fixed income depending on what "preserve" and "some" meant. One person mi...
by mega317
Mon Aug 13, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate our financial health
Replies: 13
Views: 1034

Re: Help evaluate our financial health

Welcome to the forum. I have a couple of thoughts. You have a large taxable account. I would definitely continue to max retirement contributions and spend down the taxable account if you need to. How did you save up that much anyway? I wouldn't bank on 3k magically appearing in your budget after day...
by mega317
Mon Aug 13, 2018 1:39 pm
Forum: Personal Consumer Issues
Topic: My experience with CloudReady (convert your PC or Mac into a Chromebook)
Replies: 23
Views: 2181

Re: My experience with CloudReady (convert your PC or Mac into a Chromebook)

You need some computer, any computer, with the chrome browser on it to create a bootable USB drive. After that you plug it in to your target computer and boot to that drive. On my Mac I hold down "option" as it boots, and it gives me the choice of how to boot--hard drive or USB. When I replaced that...
by mega317
Mon Aug 13, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Decided on Chromebook, now need spec help
Replies: 36
Views: 2365

Re: Decided on Chromebook, now need spec help

Just found out my new work gives us an a 2 year interest free loan on a computer that comes out of our paycheck bi monthly. So now I am wanting to get nicer since money isn't as much of an obstacle and I haven't gotten something nice in 8 years. Sorry but in the spirit of the recent thread on unsol...
by mega317
Sun Aug 12, 2018 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Small business owner, mid 30s, doing great, clueless with investments
Replies: 22
Views: 2009

Re: Small business owner, mid 30s, doing great, clueless with investments

A couple of thoughts. Yes you're doing better than average. I didn't do the math that carefully but it looks like you are counting in your net worth the investments, cash, and home equity and ignoring the almost million dollars you owe to a bank. That's a lot! You have a huge mortgage and possibly u...
by mega317
Sun Aug 12, 2018 6:23 pm
Forum: Personal Consumer Issues
Topic: Why do two monitors with the same resolution display differently?
Replies: 10
Views: 716

Re: Why do two monitors with the same resolution display differently?

Thanks everyone for your replies. "make everything bigger" did the trick. Just what I needed.
by mega317
Sun Aug 12, 2018 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Is Bond Re-location worth it?
Replies: 1
Views: 243

Re: Is Bond Re-location worth it?

tweet737 wrote:
Sun Aug 12, 2018 1:40 pm
Am I being overly pedantic about the location of the Bond funds, or does this approach make sense?
It's possible for both of these things to be true.

It doesn't matter that bonds are "down" because you will be selling and buying at the same time--there will be no change in your portfolio.