Search found 17 matches

by Neffles
Wed May 09, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Bad(?) advice from employer retirement advisor [on per-year contribution limits]
Replies: 29
Views: 2151

Re: Bad(?) advice from employer retirement advisor [on per-year contribution limits]

I agree he is wrong. The maximum pretax/traditional is $18,500. So you can have a 18.5k traditional 401k and $5.5k Roth IRA but not a $5.5k traditional IRA. Is that guy credentialed as in he passed any financial series? I do not think this is correct either. You could still contribute to a traditio...
by Neffles
Fri Apr 06, 2018 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: What should I sell?
Replies: 19
Views: 2350

Re: What should I sell?

Do you have a desired stock/bond allocation? If those are your only holdings, it looks like you have only have about 10% bond allocation. If that is your goal then that is fine but you should have a point in mind. Another note is that your bond fund is in Class A shares. That means you pay a 4.2% lo...
by Neffles
Mon Feb 12, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Statement & Receipt Clearing - Help!
Replies: 42
Views: 2649

Re: Credit Card Statement & Receipt Clearing - Help!

We generally do not keep receipts unless its something big we might need to return. Most places we shop these days have pretty generous return policies and/or can track it via the store loyalty card/your CC number anyway. We use the EveryDollar app to track all of our expenses, We will always enter ...
by Neffles
Tue Dec 26, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: 30K Spare Cash
Replies: 19
Views: 3486

Re: 30K Spare Cash

You should be putting more in your 401K. While the 0.64% cost for the mutual fund is high compared to Vanguard, it is totally acceptable, and better than most. Consider this: You are paying 15% income tax to avoid a 0.64% expense. By investing in taxable rather than tax deferred, you are losing abou...
by Neffles
Tue Dec 26, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance, what do I need?
Replies: 7
Views: 622

Re: Term Life Insurance, what do I need?

I think in your situation I would consider something like a 20 yr $500,000 policy for each of you. While you don't have kids, the situation for your wife would not be ideal if you passed. If you are healthy, the policies should be less than $30/month per person. That would be enough to essentially f...
by Neffles
Tue Sep 12, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: What If U.S. Stocks Stay Expensive For Years?
Replies: 50
Views: 8539

Re: What If U.S. Stocks Stay Expensive For Years?

)...Investors now have ready access to low cost index funds that did not exist 40 years ago, and much of the decline in fees and expenses should rightly translate into a decline in gross expected return, or equivalently, into a persistent increase in CAPE. Can someone explain this to me? Is the inc...
by Neffles
Mon Aug 28, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: 401k match [company withholding income to offset company match]
Replies: 21
Views: 1755

Re: 401k match [company withholding income to offset company match]

If I am understanding it correctly, it looks like they are giving you the funds in the tax-deferred rather than paying it to you as taxable income which allows you greater tax deferrals and saves them payroll taxes as well. The language used seems confusing so I may not be right here, especially use...
by Neffles
Tue Jul 25, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice on Credit Card Debt
Replies: 38
Views: 2758

Re: Need Advice on Credit Card Debt

Many years ago we got more credit card debt than we wanted too. We used 0% credit card teaser rates and balance transfers to help. Made sure the 0% lasted for at least a year. There was always a 1% or 2% balance transfer fee, but that sis still well shy of the APR you are paying. This was the optio...
by Neffles
Sat Apr 22, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: What's Wrong With AQR? (Managed Futures)
Replies: 66
Views: 7665

Re: What's Wrong With AQR? (Managed Futures)

Along those lines, larger sized funds can also make you the target. It’s a zero sum game in futures, which often means people come after the largest “stack” at the table, creating a sub culture of prop shops and traders who attempt to reverse engineer the large fund’s models to make educated guesse...
by Neffles
Mon Dec 19, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: Coach bag for wife - how to buy
Replies: 73
Views: 7087

Re: Coach bag for wife - how to buy

you can try using a cashback portal like ebates, swagbucks, etc. Many large brands and places like macys etc are on there. Swagbucks for example has 10% cashback on Macy's.
by Neffles
Mon Nov 21, 2016 9:00 am
Forum: Personal Consumer Issues
Topic: Anyone Have Experience With Filing Complaint With FDA?
Replies: 22
Views: 3534

Re: Anyone Have Experience With Filing Complaint With FDA?

By the way, I was giving methimazole to my cat for years. When I first started giving it to him he had a bad reaction to it, and I was told some cats are unable to digest and process the drug properly. I switched him to a topical methimazole cream from a compounding pharmacy. That brought his T-4 r...
by Neffles
Tue May 17, 2016 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k plan offerings...how do i tell?
Replies: 15
Views: 1578

Re: Fidelity 401k plan offerings...how do i tell?

Does your plan allow access to Brokeragelink? If so you can activate that and use it to invest in other Spartan funds to create the 3 or 4 fund portfolio. That is what I'm doing with my fidelity 403 b. Though not all plans allow it
by Neffles
Tue May 17, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Beyond Retirement. Where to put extra cash?
Replies: 6
Views: 1768

Re: Beyond Retirement. Where to put extra cash?

If you are planning to leave the job soon and have money to spare it seems like a great time to pump as much into the 401k as possible ( assuming you won't be going to a job with a match where you can max it later this year). Just put it into the s&p 500 fund (.35% is pretty good) or even a money ma...
by Neffles
Sat May 07, 2016 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be worried about dividends in my 403b?
Replies: 4
Views: 614

Re: Should I be worried about dividends in my 403b?

That fund distributes cap gains and dividends once a year in December. If you can check statement from that time you should see it
by Neffles
Sat May 07, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Should I be worried about dividends in my 403b?
Replies: 4
Views: 614

Re: Should I be worried about dividends in my 403b?

I think some target funds don't actually distribute dividends and capital gains but just automatically reinvest them to increase the share value. If they do distribute, you should see it either in the fund description links(often under fees and distributions), in the prospectus, or you should be abl...
by Neffles
Sat May 07, 2016 5:22 pm
Forum: Investing - Theory, News & General
Topic: Help talk me out of this...
Replies: 25
Views: 2585

Re: Help talk me out of this...

Active funds are a losing bet, and it just gets worse as time goes on. Check out the data. Vanguard funds are better than... 77% of active funds over a 12 month period. 85% of active funds over a 3 year period. 91% of active funds over a 10 year period. https://personal.vanguard.com/us/insights/art...