Search found 204 matches

by pasadena
Fri Jan 18, 2019 1:58 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 259
Views: 25930

Re: What is your overall portfolio weighted expense ratio

Retirement: 0.024%
Non-Retirement: 0.058%
by pasadena
Fri Jan 18, 2019 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Stock quotes available in Excel
Replies: 0
Views: 170

Stock quotes available in Excel

Hello Bogelheads! FYI - Excel is now providing a native way to get stock quotes and other information. See the official documentation . I've tried it for a few minutes and it seems to be working for mutual funds too. It seems to be only available for Office 365 - I will test it on my downloaded vers...
by pasadena
Thu Jan 17, 2019 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: HSA provider good for investment for individual account
Replies: 17
Views: 967

Re: HSA provider good for investment for individual account

I just opened one at Fidelity and am in the process of rolling over my previous employer's HSA at Optum to this new one in the next few days. My new employer offers an HSA at UMB that has rather crappy investment options, so I decided to open a personal one where I would (hopefully) be able to stay ...
by pasadena
Mon Jan 14, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with HSA to HSA trustee transfer?
Replies: 41
Views: 1857

Re: Experience with HSA to HSA trustee transfer?

Forgive me for the sideline ... but I don't quite understand 1. What so bad about your current employer HSA (that you want to do this)? Fees? 2. FWIW, my employer uses Optum HSA. Other folks here also mention Optum and wanted to do transfer. What's bad about Optum? To me it just seems like an okay ...
by pasadena
Sun Jan 13, 2019 2:49 am
Forum: Personal Finance (Not Investing)
Topic: Ally bonus question
Replies: 26
Views: 3316

Re: Ally bonus question

My bonus money is in a no-penalty CD (at 2.10%). I'll initiate a pull from Vanguard on Jan 16th. The timing of this bonus was perfect for me. I had $60k lying around in a MM fun, $40k of which was planned to be reinvested in January (the other $20k is my EF) - I had just found a job when they announ...
by pasadena
Sun Jan 13, 2019 12:10 am
Forum: Personal Finance (Not Investing)
Topic: Experience with HSA to HSA trustee transfer?
Replies: 41
Views: 1857

Re: Experience with HSA to HSA trustee transfer?

I checked on Optum's website, and they do charge $20 for withdrawals/transfers out and account closure. In the menu, I have the choice to either Pay a provider or "Reimburse myself" via ACH transfer to my account. No option for withdrawals, but I suppose I can use the Reimburse Yourself option, right?
by pasadena
Fri Jan 11, 2019 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy 3-fund portfolio at Fidelity
Replies: 4
Views: 549

Re: Lazy 3-fund portfolio at Fidelity

Hi gang, I just rolled over a Fidelity 401k (target fund) from my previous employer into a traditional IRA. I have most of my investments at Vanguard but I wanted to keep some funds at Fidelity. Since the recommended 3 Fidelity funds for a lazy portfolio (FSTVX/FTIPX/FSITX) are closed to new invest...
by pasadena
Fri Jan 11, 2019 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation for two different goals
Replies: 6
Views: 440

Re: Help with asset allocation for two different goals

The other choice leads you to "mental accounting", which will be less efficient. See, for me it's the other way around. In my head, the two things are so differentiated that if I had just one big bucket with a global AA, I would do mental accounting until my head exploded. Not to mention different ...
by pasadena
Fri Jan 11, 2019 12:39 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage credit card use with monthly budget
Replies: 37
Views: 2320

Re: How do you manage credit card use with monthly budget

I pay off all my credit card on the last day of every month. I live on a monthly budget, and everything resets at the end of the month. I completely disregard statement dates and due dates. I also use YNAB (on and off) but contrary to others before me, I won't recommend it at the current price. I st...
by pasadena
Thu Jan 10, 2019 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Experience with HSA to HSA trustee transfer?
Replies: 41
Views: 1857

Re: Experience with HSA to HSA trustee transfer?

You do not have to withdraw all of you money when you do a rollover. The disadvantage to the rollover is that it can only be done once per rolling 12 month period. All you have to do is make a normal withdraw from your employer HSA, then mail in a check for the same amount and the deposit slip belo...
by pasadena
Thu Jan 10, 2019 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation for two different goals
Replies: 6
Views: 440

Re: Help with asset allocation for two different goals

Bogleheads in general do not "bucket". However, I always had different allocations for different goals. And kept the money in separate accounts. Whatever you decide to do, you need to be able to access the money that you need for the downpayment in 6/7 years. So if your bonds are going to fund the d...
by pasadena
Mon Dec 03, 2018 12:31 am
Forum: Personal Finance (Not Investing)
Topic: Do you get a year end bonus?
Replies: 78
Views: 5302

Re: Do you get a year end bonus?

At my previous megacorp, my bonus was 7% of annual salary. I used to get ~120% of that until the last couple years when they dramatically changed the rating system and decreased the ratings of the company's results component. New job has a target bonus of 30% of annual salary. The range is 0% - 90%....
by pasadena
Wed Nov 21, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: First TLH - make sure my plan is sound please (VTSAX & VTIAX to VI)
Replies: 7
Views: 428

Re: First TLH - make sure my plan is sound please (VTSAX & VTIAX to VI)

RW-Expat wrote:
Wed Nov 21, 2018 9:54 am
With the proceeds and on the same day I plan to purchase:
  • Total World Stock ETF (VI)
Do you mean VT?
by pasadena
Wed Nov 21, 2018 2:30 am
Forum: Investing - Theory, News & General
Topic: What's in your Investor Policy Statement about Bear Markets?
Replies: 52
Views: 3576

Re: What's in your Investor Policy Statement about Bear Markets?

I wrote an article for myself, about this. Basically it's a reminder of my goals, and a plan on what to do depending on the situation - most importantly why I should probably do nothing (keep the current DCA plan in place) and maybe even buy more stocks. It does have links to posts on this forum tha...
by pasadena
Wed Nov 14, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra - Initial payments
Replies: 3
Views: 390

Re: Cobra - Initial payments

It is all or nothing. you have to pay all of the months to get coverage for December. COBRA allows you to delay and then get retroactive coverage, but you must pay for all of the retroactive coverage That's what I thought... thanks You should also check to see if you can get an ACA policy that star...
by pasadena
Wed Nov 14, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Cobra - Initial payments
Replies: 3
Views: 390

Cobra - Initial payments

I left my last job since 09/01. I registered for Cobra a few weeks ago just before the deadline, and received 4 payment coupons today, one for each month of September, October, November and December. The cutoff date on all four is 12/15/2018. I have found a new job but will most probably start mid-D...
by pasadena
Sun Nov 11, 2018 5:55 pm
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8303

Re: What's everyone currently in?

I didn't change a thing, and I keep doing my bi-weekly investments. I look at the stock market with a slightly interested eye, but so far it hasn't fazed me at all. Retirement (supposed to be in the 80/20 range) 401(k) : 100% target date fund. Not sure what the actual repartition is because they cha...
by pasadena
Wed Nov 07, 2018 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Never thought of living in Bay Area but just got a call from Tesla
Replies: 72
Views: 7642

Re: Never thought of living in Bay Area but just got a call from Tesla

I would go ahead with the interview process. Once you get an actual offer, you can weight your options will all the necessary information.
by pasadena
Wed Nov 07, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 10127

Re: Amazon says TurboTax 2018 will be released November 12

The download versions seem to be available (although Deluxe is not available on Mac, it is on PC)
by pasadena
Sun Nov 04, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Is Cloud-Based YNAB Worth It?
Replies: 51
Views: 3028

Re: Is Cloud-Based YNAB Worth It?

I moved to the new YNAB a year and a half ago. I like it, although the release of new functionalities is VERY slow, despite what they promised when they went with the subscription model. It's still missing a lot of things (if you go with it, I very strongly advise you to use the "Toolkit for YNAB" f...
by pasadena
Sun Oct 28, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: high yield savings account for windfall
Replies: 17
Views: 1699

Re: high yield savings account for windfall

Ally's No-Penalty CD might be a better place than their savings account, if you go that route. No penalty for early withdrawal (but you do have to withdraw the whole thing) and the current rate for the $25,000+ tier is 2.1%. You can also split the money into as many accounts as you wish. Since CD r...
by pasadena
Fri Oct 26, 2018 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: high yield savings account for windfall
Replies: 17
Views: 1699

Re: high yield savings account for windfall

Ally's No-Penalty CD might be a better place than their savings account, if you go that route. No penalty for early withdrawal (but you do have to withdraw the whole thing) and the current rate for the $25,000+ tier is 2.1%. You can also split the money into as many accounts as you wish.
by pasadena
Thu Oct 25, 2018 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor vs Backdoor Roth IRA
Replies: 11
Views: 1606

Re: Mega Backdoor vs Backdoor Roth IRA

The only difference I can think of between the same 5500$ in a mega back door Roth vs back door Roth, is if you can get an employer match on the mega back door! In both cases, the final "Roth" is indistinguishable once you go through the steps to get the money there :) I used the same Roth account ...
by pasadena
Wed Oct 24, 2018 2:16 am
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor vs Backdoor Roth IRA
Replies: 11
Views: 1606

Re: Mega Backdoor vs Backdoor Roth IRA

There's always 25,500 through the mega backdoor and $5,500 through "traditional" backdoor Ah! Yes, obviously. Unfortunately I don't think I could swing the whole thing... Even though, I'm curious as to whether or not there is any difference. As long as one cannot (or doesn't want to) max out both c...
by pasadena
Tue Oct 23, 2018 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor vs Backdoor Roth IRA
Replies: 11
Views: 1606

Re: Mega Backdoor vs Backdoor Roth IRA

Thanks all. Sorry I didn't respond sooner, but I didn't get any notification! The question of what I'll do with my old 401(k) will be resolved once I have all the details of the new one. I'm still at the offer stage! Leaving it where it is indeed one of the options. I just don't have all the informa...
by pasadena
Sun Oct 21, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor vs Backdoor Roth IRA
Replies: 11
Views: 1606

Mega Backdoor vs Backdoor Roth IRA

Hi Bogleheads! I'm currently waiting on an offer from a company whose 401(k) lets you do the Mega Backdoor Roth IRA technique, up to the IRS max. I also have my past employer's 401(k) to rollover somewhere. The (hopefully) new employer's 401(k)'s investment choices are not so good from what I'm seei...
by pasadena
Sun Oct 21, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 561
Views: 59678

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I just did this. I'm sitting on a fairly big (for me) amount of cash in VG Prime MM, which I can't invest for the next 1-3 months. So I just transferred the $60k back to ally, distributed into 2 $30k no-penalty CD's. After Jan 15th, it will all go back to VG and the non-EF part of it will be investe...
by pasadena
Thu Oct 04, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Apple - macOS Mojave
Replies: 35
Views: 3048

Re: Apple - macOS Mojave

I've been running it on my iMac for a few days, and have encountered no issue. I surprisingly like the dark mode. Im planning on upgrading my MacBook Pro today.

Do a backup before upgrading and you should be fine.
by pasadena
Thu Oct 04, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Unemployed - 401(k), IRAs, etc
Replies: 4
Views: 615

Re: Unemployed - 401(k), IRAs, etc

Also, I would reconsider having your Roth all in bonds. I understand the tax preference of bonds in taxable. But you might be better off with the potentially higher growth asset classes in the Roth. Just something to look at. Yes, I have read up on that a few times. I expect that my 2019 contributi...
by pasadena
Thu Oct 04, 2018 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Unemployed - 401(k), IRAs, etc
Replies: 4
Views: 615

Re: Unemployed - 401(k), IRAs, etc

Current Plan [/u] * Pension : take the lump sum and roll it into the 401(k). Still waiting on the paperwork to see what my options are. I would not be so quick to rollover the pension. Are you vested? I would want to do a detailed analysis. It may be advantageous to consider this part of your fixed...
by pasadena
Wed Oct 03, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Unemployed - 401(k), IRAs, etc
Replies: 4
Views: 615

Unemployed - 401(k), IRAs, etc

Hello Bogleheads, I was laid off a month ago, and I'm actively looking for a new job. In the meantime, I am trying to figure out what I should do with my finances. My main goals are to keep contributing to a retirement account *if I can do so*, minimize taxes, and make sure I don't fall into some IR...
by pasadena
Tue Oct 02, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3058

Re: What to do with cash in the short term?

I recently received $40k and need to keep them liquid as I'm between jobs. I kept it simple and bought Vanguard Prime Money Market in my brokerage account. I was already using it for my emergency fund (tier 2).
by pasadena
Mon Apr 30, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 20596

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

I don't understand why this is so complicated? A contract was signed, with financing (lease). The dealership signed it, so it's a done deal. Their mistake. You don't have to return the car, you don't have to negotiate anything. Simply tell them sorry, not going to get a co-signer, thank you very muc...
by pasadena
Sun Apr 29, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 283
Views: 47362

Re: Ally online savings now at 1.50%

As I'm moving more and more towards using Ally as my main bank, and as brokerage MM funds are moving in the right direction, I'm in the process of moving my EF out of there - I need it to be out of my reach :oops: So now some of it is at Vanguard in CA Money Market fund - roughly same rate as Ally's...
by pasadena
Wed Apr 18, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 244
Views: 33400

Re: How old are you and how much do you save for retirement a year

43, Single. I only use my 401(k) for retirement purposes, and max it out (+ ~6k match). I'm a late starter though (recent-ish immigrant) so the balance is low for my age group. I also only started maxing it out 3 or 4 years ago. Aside from that, I max out my HSA and Roth IRA, and save ~25k in my tax...
by pasadena
Mon Mar 12, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Moving back to the US after claiming FEIE for years
Replies: 7
Views: 889

Re: Moving back to the US after claiming FEIE for years

I'm not answering your question, but I suppose you're planning on getting married and sponsoring your wife for a green card, then after 3 years she will get citizenship. Right ? Once she is a citizen she doesn't have to do anything to maintain her status, and even before that, returning once a year ...
by pasadena
Wed Mar 07, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: Are you ready for Amazon checking?
Replies: 42
Views: 6487

Re: Are you ready for Amazon checking?

Independent George wrote:
Mon Mar 05, 2018 2:11 pm
The article is light on details - I have no idea what features this would have to differentiate it from any other account.
The monitoring of your accounts and transaction so they can make more amazing personalized offers to you.
by pasadena
Tue Feb 27, 2018 10:48 pm
Forum: Personal Finance (Not Investing)
Topic: Tax reform SALT affecting in Bay Area?
Replies: 67
Views: 10048

Re: Tax reform SALT affecting in Bay Area?

I'm in LA. Even being a renter, I will pay more, although I haven't made the exact calculation yet. The $10k limit on state taxes is barely made up for by the standard deduction/personal exemption change. Then there is the fact that I'm going to go from a 28% marginal tax rate to 32% - nobody seem t...
by pasadena
Wed Feb 21, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: Staying Motivated: How do you ward off hopelessness?
Replies: 59
Views: 8159

Re: Staying Motivated: How do you ward off hopelessness?

The answer heavily depends on your personal situation, but here's my story. The tl;dr; is - acknowledge those feelings happen, know yourself, and plan accordingly. When I started working (in Europe), saving for a downpayment seemed absolutely insurmountable. There was no way I would be able to save ...
by pasadena
Mon Feb 12, 2018 10:39 pm
Forum: Investing - Theory, News & General
Topic: HSA Recommendations
Replies: 5
Views: 630

Re: HSA Recommendations

I have Optum HSA and use Vanguard funds that are available. Why can't you use Vanguard funds? I suspect you have low balances? I know Optum requires a minimum of $3K in cash before you can go to the brokerage side for mutual funds. Thank you, I was not aware Optum would allow me to do this and will...
by pasadena
Sat Feb 10, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Live / work in California - Technology Career
Replies: 99
Views: 7938

Re: Live / work in California - Technology Career

I live in LA, and if my employer would let me work remotely, I would move to San Diego tomorrow. But that's a very personal choice and my reasons might not be yours (plus, LA is a huge place, some cities/neighborhoods are nicer than others). You say you can work remotely, but make sure your salary i...
by pasadena
Fri Sep 08, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: How many funds in your retirement accounts?
Replies: 56
Views: 5554

Re: How many funds in your retirement accounts?

I consider two "buckets" : - Retirement (401k) - invested in a Target Retirement fund (100%) - Probably-Not-Retirement (Roth IRA + Brokerage) - invested in 4 funds (VTSAX (US stocks), VGTSX (Int. Stocks), VWITX (US Bonds), VBTLX (US Bonds). If the Probably-Not-Retirement bucket ever becomes Retireme...
by pasadena
Wed Sep 06, 2017 9:09 am
Forum: Personal Finance (Not Investing)
Topic: How do you track expenses ?
Replies: 58
Views: 5261

Re: How do you track expenses ?

I use YNAB. I moved from YNB4 to the new one (cloud-based) earlier this year. YNAB is one of the best thing that has happened to my finances. Safety-wise, you don't have to link your accounts if that's what is bothering you. Then it's just a bunch of numbers and nothing confidential, really. If your...
by pasadena
Mon Sep 04, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Retention Bonus Question
Replies: 6
Views: 1480

Re: Retention Bonus Question

Just be aware that if it's paid up front, it will include tax withholdings - and if you leave early, you will have to repay the bonus + tax. This means you have to pay more than what you have, until the next tax return comes in. See here for an example. So take it if you want, but save it, and also ...
by pasadena
Sun Aug 27, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Living Expenses - what's "reasonable"?
Replies: 101
Views: 11749

Re: Living Expenses - what's "reasonable"?

I'm single, living in a HCOL area. If I exclude rent, my monthly expenses amount to $1,300 (includes utilities, though). Add some irregular expenses like car maintenance, vet visits and the occasional splurging (travel home (Europe), vacation, new computer *sigh*, misc entertainment) and I'm probabl...
by pasadena
Mon Aug 21, 2017 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 20141

Re: Lost $7000 today in ONE DAY!

Thanks, Fallible, for your kind words. Yes, I have written an IPS - at least an initial one, knowing it may change over time as I learn. Just thought I'd share the simple thing that helps me with a one-day loss of several thousand dollars. If compared to what I earned that day, it will scare me int...
by pasadena
Thu Aug 17, 2017 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 20700

Re: Capital One $400 bonus for new checking account

Thanks for the info. It looks like ACH deposit from Chase checking account is not considered Direct Deposit by Captial One 360. I did two $260 transfers from my Vanguard brokerage account on 8/15. Then the next day Cha-Ching! New Account Bonus of $400 is posted! Can you tell me how you do ACH trans...
by pasadena
Wed Aug 16, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: California - clarification on taxes
Replies: 36
Views: 3720

Re: California - clarification on taxes

At least we get a nice federal tax deduction ..... currently :( . For those making less than the top quintile earners do there are a few higher tax states. Ah. I made that calculation for a friend who was arguing that he would never move to CA because of income tax. He lives in Missouri, which has ...
by pasadena
Wed Aug 16, 2017 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: California - clarification on taxes
Replies: 36
Views: 3720

Re: California - clarification on taxes

Yes, there are limits on Social Security and SDI taxes but as those are reached, you're likely to soon be getting higher tax rates on both federal and state income taxes. Unless you own a house or are extremely generous in your charitable donations, you won't be itemizing deductions until you have ...
by pasadena
Wed Aug 16, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: California - clarification on taxes
Replies: 36
Views: 3720

Re: California - clarification on taxes

JustinR wrote:
Wed Aug 16, 2017 4:27 am
Fed: 28%
State: 9.3%
SDI: 0.9%
Social Security Tax: 6.2%
Medicare Tax: 1.5%
-------
45.9% in taxes?
For what it's worth, Medicare tax rate is 1.45%, not 1.5%.