Search found 114 matches

by ff4930
Wed Nov 22, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Job interviewing - "do you have any other interviews or leads?"
Replies: 35
Views: 5286

Re: Job interviewing - "do you have any other interviews or leads?"

I have been on three job interviews since I began my search a couple weeks ago, and I have two second interviews scheduled next week. The HR Director of the third company, which is my favorite company of the bunch by far, said via e-mail today that feedback was very positive all around and that the...
by ff4930
Thu Aug 31, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: iPhone tempered glass...$6 vs $50?
Replies: 17
Views: 4381

Re: iPhone tempered glass...$6 vs $50?

I brought the $3 from eBay and it does the same as the expensive ones. I've had my phone saved multiple times because the tempered glass took the damage. Well worth it but $3 ones is enough.
by ff4930
Sat Jul 08, 2017 6:16 pm
Forum: Personal Investments
Topic: Maxing out Roth Before Exceeding Income Limit?
Replies: 4
Views: 679

Re: Maxing out Roth Before Exceeding Income Limit?

Yes! Definitely. And when your magi is over the limit you can do backdoor Roth if you don't have any outstanding traditional Ira.
by ff4930
Fri Jul 07, 2017 5:21 pm
Forum: Personal Investments
Topic: Paid off the Mortgage!
Replies: 80
Views: 9900

Re: Paid off the Mortgage!

Hats off to you. I'm striving for similar goal.
by ff4930
Fri Jul 07, 2017 5:20 pm
Forum: Personal Investments
Topic: Helping an 18 year old start investing
Replies: 16
Views: 1515

Re: Helping an 18 year old start investing

Target date fund always comes to mind for a "set it and forget it" fund. It will always auto balance so for teenagers who don't care or want to do anything, that is perfect choice.
by ff4930
Mon Jul 03, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Need Credit Card for International Travel
Replies: 45
Views: 5132

Re: Need Credit Card for International Travel

Another vote for chase sapphire preferred. Great bonus for signing up and no foreign transaction is good. Europe is only accepting majority visa/mastercard.
by ff4930
Mon Jul 03, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Pre-owned Acura's... Value of 'Certified'?
Replies: 23
Views: 3803

Re: Pre-owned Acura's... Value of 'Certified'?

I bought my Acura TL 08 CPO 4 years ago. CPO comes with great warranty and usually dealership choose cars that are in good shape to CPO. Haven't had any issue with it. I think its a good piece of mind buying CPO vs just PO.
by ff4930
Tue Jun 20, 2017 10:26 pm
Forum: Personal Investments
Topic: 28 y/o new investor noob with Roth IRA question
Replies: 8
Views: 1447

Re: 28 y/o new investor noob with Roth IRA question

Putting the max $5500 (not sure how you got $5800?)in target date fund is totally fine until you have the min. Amount for 3 fund portfolio. You can always go with the ETF route and get the 3 fund portfolio since is very low min. Amount. The good thing about tax advantage accounts (401k), and Roth IR...
by ff4930
Wed Jun 14, 2017 8:26 pm
Forum: Personal Investments
Topic: Just married - start a joint taxable account?
Replies: 18
Views: 2742

Re: Just married - start a joint taxable account?

Gill wrote:
aristotelian wrote: Your money is her money now, anyway.
Oh, really? In what way? Legally, morally or otherwise?
Gill
Your money is her money, her money is her money :P
by ff4930
Mon May 29, 2017 11:30 am
Forum: Personal Investments
Topic: Exceed Roth IRA contributions - Have few questions (already done my research)
Replies: 7
Views: 772

Re: Exceed Roth IRA contributions - Have few questions (already done my research)

I would do it now so that the earnings, which will be added to your taxable income, do not grow any more. Also, you may get sick or injured or just forget. Why put it off? The problem is I am not certain how much excess I need to withdraw. I have two variables that will determine my MAGI, 1) year e...
by ff4930
Mon May 29, 2017 10:49 am
Forum: Personal Investments
Topic: Exceed Roth IRA contributions - Have few questions (already done my research)
Replies: 7
Views: 772

Re: Exceed Roth IRA contributions - Have few questions (already done my research)

Then you most likely do not want to recharacterize that contribution back to a non-deductible contribution to tIRA. That would mean your tIRA contains both pre-tax and not-yet-taxed contributions. This is not illegal, but it does lead to more paperwork and hassle. You would first have to document t...
by ff4930
Mon May 29, 2017 9:19 am
Forum: Personal Investments
Topic: Exceed Roth IRA contributions - Have few questions (already done my research)
Replies: 7
Views: 772

Re: Exceed Roth IRA contributions - Have few questions (already done my research)

If you are interested in using the back door, you might recharacterize and the convert that money to Roth. In order to do that, the other IRA would have to be rolled into a 401k or something like that. I think if you get a return of your contribution before tax day, there is no 10% early withdrawal...
by ff4930
Sun May 28, 2017 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Not Another Payoff The Mortgage Thread....
Replies: 38
Views: 5781

Re: Not Another Payoff The Mortgage Thread....

Hey there, I am pretty much on the same boat as you. I have a 15 year loan on a 3% rate. I read through all of these threads and I still come back to this one pro which you have listed: -Emotional feeling of freedom from debt This achievement/goal is hard to beat. Many will say, invest your extra pr...
by ff4930
Sun May 28, 2017 2:45 pm
Forum: Personal Investments
Topic: Exceed Roth IRA contributions - Have few questions (already done my research)
Replies: 7
Views: 772

Exceed Roth IRA contributions - Have few questions (already done my research)

Hi all, I have read a bunch of "Exceed Roth IRA contribution" threads and as well as this very informative site - http://fairmark.com/retirement/roth-accounts/contributions-to-roth-accounts/excess-contributions-to-roth-iras/ I still have a few questions if you guys can help out. I am marri...
by ff4930
Fri May 26, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Things to do in NYC with a 14 month tomorrow?
Replies: 12
Views: 1789

Re: Things to do in NYC with a 14 month tomorrow?

-Perhaps take a walk in the high line - http://www.thehighline.org/visit
-Close to there is Chelsea Piers which is a great view of the water front as well.

-Battery Park City

-Bryant park
by ff4930
Sun May 21, 2017 6:07 pm
Forum: Personal Investments
Topic: Seeking Advice on Transferring out of Betterment
Replies: 9
Views: 2777

Re: Seeking Advice on Transferring out of Betterment

I recently transferred out of Betterment to Vanguard not long ago. I however only had a few hundred in taxable so it wasn't much painful for me. You can either request a transfer in kind or liquidate from the transfer form from Vanguard. Vanguard do not require medallion signature for transfer under...
by ff4930
Mon May 15, 2017 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Doctor wants Social Security number
Replies: 83
Views: 15847

Re: Doctor wants Social Security number

Lou354 wrote:I just leave it blank. No doctor's office has ever challenged me on that.
same for me. I never fill it out.
by ff4930
Sun May 14, 2017 3:06 pm
Forum: Personal Investments
Topic: How many firms do you use?
Replies: 39
Views: 4058

Re: How many firms do you use?

I have my IRA's with Vanguard and have taxable wih Vanguard as well. For simplicity.
by ff4930
Sun May 14, 2017 11:54 am
Forum: Personal Investments
Topic: Ultimate Buy and Hold Variation.
Replies: 10
Views: 2048

Re: Ultimate Buy and Hold Variation.

I've made two other posts in this forum asking questions and making many mistakes. I'm close to my final decision but have a few questions about this breakdown. Yes, this is based on the Ultimate Buy and Hold portfolio post from this forum, by Trev H. Also, I have 30+ years until retirement. 80/20 ...
by ff4930
Sun May 07, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance - When do you drop collision insurance?
Replies: 7
Views: 1707

Re: Auto Insurance - When do you drop collision insurance?

Although if you are stating even liability only is $90/mo or $1080 per year, that seems pretty high. Unless you are very young, have a bad record, or live in a very risky zip code, you should be paying much less for liability only. (or unless you have some very high liability covg like 500/500 or 1...
by ff4930
Sun May 07, 2017 3:56 pm
Forum: Personal Investments
Topic: Buying vacation home
Replies: 29
Views: 5582

Re: Buying vacation home

Hi BHs, I would like to get your opinion on buying vacation home? Here's some background. Age: 41, married with 2 kids Net worth: ~$2 millions Primary residence: worth $770k, mortgage: $335k at 2.5% Portfolio: ~$1.6 millions Vacation home: $250k - $300k range Questions: 1. Can I afford it? 2. I pla...
by ff4930
Sun May 07, 2017 3:47 pm
Forum: Personal Investments
Topic: Solid justification for including all stocks & NO bonds?
Replies: 143
Views: 10868

Re: Solid justification for including all stocks & NO bonds?

So, if I can stomach large fluctuations in the market, is it more wise to stick with 100% stocks? If you can stomach it and sleep at night, then yes. Go with 100% stocks. No one is saying you can't nor stopping you. -I could add a 10% bond portfolio, but really - why? If I"m that little divers...
by ff4930
Sun May 07, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance - When do you drop collision insurance?
Replies: 7
Views: 1707

Auto Insurance - When do you drop collision insurance?

Hi all, My car is an Acura TL 2008, with very low mileage of under 50k miles. Live in NYC, have Geico as insurance. Since I live in the city, it is mostly a weekend car. It is garage kept when not being driven. Seeing how it is a 10 year old car almost and is mainly kept in my garage, I recently dro...
by ff4930
Sun May 07, 2017 1:27 pm
Forum: Personal Investments
Topic: Roth IRA investment
Replies: 7
Views: 1213

Re: Roth IRA investment

bbees wrote:What funds would you suggest for a Roth IRA if you would not be dependent on that money for retirement income for 10 years? Roth holding about $125,000.00.
Hard to say without much information about you. What is your risk level you are comfortable with? How old are you?, etc.
by ff4930
Sun May 07, 2017 1:20 pm
Forum: Personal Investments
Topic: POLL: Pay down 3.5% mortgage or invest in taxable?
Replies: 102
Views: 20543

Re: POLL: Pay down 3.5% mortgage or invest in taxable?

At end of the day is all personal choice. My personal choice would be having a piece of mind over potential return on taxable. For me personally, the ability to have the house paid off gives me a great piece of mind in case certain god forbid crisis comes up, ie: job loss or worse. Also I am maxing ...
by ff4930
Fri May 05, 2017 9:09 pm
Forum: Personal Consumer Issues
Topic: Buying a diamond ring
Replies: 57
Views: 7002

Re: Buying a diamond ring

+1 for Blue Nile. I bought my wife's engagement, and both our wedding rings there. Excellent price and selection and great customer service!
by ff4930
Sun Apr 23, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 27352

Re: Any regrets living a frugal life for high income/high networth individuals?

Only on BH would owning a $650k house be considered living the "frugal life". Depends on what you get for $650k. In parts of Brooklyn NY, you "might" be able to find a single family house with a 1970s kitchen, a 1970s bathroom with pink and black tile, wallpaper throughout on a ...
by ff4930
Sun Apr 02, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO discount for Berkshire Hathaway shareholders
Replies: 23
Views: 26714

Re: GEICO discount for Berkshire Hathaway shareholders

I currently have a discount with Geico because of my BJ's membership. I emailed them about owning Berkshire stock and they told me I can only have 1 discount at a time. They also told me being a BJ's member and owning Berkshire stock is the same discount. The discount isn't 8% is more like 5% :(
by ff4930
Sat Apr 01, 2017 8:59 am
Forum: Personal Investments
Topic: 2016 Roth Contributions and an unexpected December bonus
Replies: 7
Views: 816

Re: 2016 Roth Contributions and an unexpected December bonus

You can take a look at the backdoor into Roth IRA which combines two steps 1) Contribution to Traditional IRA and 2) Roth conversion. This would work well for you if you don't have any other Traditional IRA, Rollover IRA, SEP-IRA, SIMPLE-IRA assets. Since you have already made contributions to Roth...
by ff4930
Sun Mar 19, 2017 8:49 pm
Forum: Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 9083

Re: Am I Addicted [to contribute to my taxable account]

"Does anyone else find themselves constantly contributing to their taxable account? Besides my 403(b) and Roth IRA, I contribute all "spare" money to my taxable account (total stock market - vtsax). For example - I found $10 on the floor and sent it directly to vanguard." Why &q...
by ff4930
Sat Mar 18, 2017 11:11 pm
Forum: Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 9083

Re: Am I Addicted

Does anyone else find themselves constantly contributing to their taxable account? Besides my 403(b) and Roth IRA, I contribute all "spare" money to my taxable account (total stock market - vtsax). For example - I found $10 on the floor and sent it directly to vanguard. Am I addicted? Any...
by ff4930
Sat Mar 18, 2017 9:08 am
Forum: Personal Investments
Topic: Suggestion to make it better
Replies: 8
Views: 1033

Re: Suggestion to make it better

Hi! I come up with a portfolio was wonder is it a good one. 50% VTSMX Vanguard Total Stock Market Index Fund 10% VGSIX Vanguard REIT Index Fund 20% VISVX Vanguard Small-Cap Value Index Fund 20% VBIIX Vanguard Intermediate-Term Bond Index Fund Is there anything to make it better? Planning to keep th...
by ff4930
Wed Mar 15, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 68
Views: 12510

Re: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!

I was able to transfer my IRA from Betterment to Vanguard without one. It all depends on your provider. I would call them up and see if they require one.
by ff4930
Mon Mar 13, 2017 8:40 pm
Forum: Personal Investments
Topic: Best non-Vanguard home for my 2016 t-IRA
Replies: 12
Views: 1272

Re: Best non-Vanguard home for my 2016 t-IRA

I did try to create an account online with Vanguard. They told me they couldn't verify my identity and needed me to print off a form and snail mail it to them. (I've moved a half dozen times in the last year, and lived in multiple countries) There is a Schwab office nearby that I stopped into once,...
by ff4930
Tue Mar 07, 2017 9:12 am
Forum: Personal Investments
Topic: 24 years old in my first year of investing
Replies: 11
Views: 1259

Re: 24 years old in my first year of investing

Wow super impressive! Such a young age and already have emergency fund and have a Roth funded for both years. Wish I was you when I was 24!

I would post your employer 401k funds to get an idea of what you have available. I still think you should contribute just because the fact is pre tax dollars.
by ff4930
Mon Mar 06, 2017 7:30 pm
Forum: Personal Investments
Topic: How long does a Vanguard fund exchange take to execute?
Replies: 3
Views: 8613

Re: How long does a Vanguard fund exchange take to execute?

It usually takes 1 full business day whenever I exchange funds. You should see the exchange in Tuesday. Most likely email of the exchange happening early Tuesday around 2-4am.
by ff4930
Mon Mar 06, 2017 8:38 am
Forum: Personal Investments
Topic: How bad is my 401k plan? Need guidance if I can do better
Replies: 5
Views: 931

Re: How bad is my 401k plan? Need guidance if I can do better

Thanks for all the replies guys! It helped! 1 - My alternate aside from the target date was looking at the large cap blend (blackrock) with E/R 0.04%, Global Value with E/R 0.84%, Intermediate Bond E/R 0.47%. But 0.84 and 0.47 E/R seems pretty high with total E/R of 1.35%. Hi ff4930! Just a quick no...
by ff4930
Sun Mar 05, 2017 10:51 pm
Forum: Personal Investments
Topic: Wanted a second opinion on my investment portfolio
Replies: 5
Views: 811

Re: Wanted a second opinion on my investment portolio

Hello Bogleheads community! First of all, I want to thank all of you for creating such an amazing community and helping thousands of individuals like me on the way to financial independence! Here is my situation: I currently am a resident and will be finishing up my residency in June of 2018. At th...
by ff4930
Sun Mar 05, 2017 10:41 pm
Forum: Personal Investments
Topic: How bad is my 401k plan? Need guidance if I can do better
Replies: 5
Views: 931

How bad is my 401k plan? Need guidance if I can do better

Hi all, I currently have my 401k plan with Prudential and I've attached screenshots of the current funds that is available. I would greatly appreciate any advice on whether I can do any better than their 2050 target date fund (which I'm currently invested in). Current 100% invested in - One Choice 2...
by ff4930
Sun Mar 05, 2017 10:10 pm
Forum: Personal Investments
Topic: Hi I just started my Roth IRA. I have vym mgk and VCIt I contributed the 5500 for 2016
Replies: 10
Views: 1698

Re: Roth ira

Hi I was wondering I have a Roth with mgk vym vnq and vcit. I want to add vti would that diversify me more even though I have a large cap growth and a large cap value w/ the mgk and vym. Ty. Only 17 years left going 80-20 for now .80 being stocks of course IDK, but LMK when you have update the fund...
by ff4930
Sun Mar 05, 2017 10:06 pm
Forum: Personal Investments
Topic: should i payoff mortgage early?
Replies: 17
Views: 2819

Re: should i payoff mortgage early?

I feel paying off mortgage vs investing the money is all dependent on the individual risk tolerance. If you are the type of person that has a first reaction of "why did I chose to invest" or "that $X.XX couldve went to the principal" when the stock market takes a dip should just ...
by ff4930
Tue Feb 28, 2017 9:04 am
Forum: Investing - Theory, News & General
Topic: Time to invest
Replies: 18
Views: 3011

Re: Time to invest

I think you need to increase your bond allocation to the level of your comfort i.e. The level that you won't lose any sleep.
by ff4930
Mon Feb 27, 2017 9:05 pm
Forum: Personal Investments
Topic: Tax Documents for Roth IRA - Vanguard
Replies: 6
Views: 784

Re: Tax Documents for Roth IRA - Vanguard

If one only has a single brokerage account, the Roth IRA with Vanguard for instance, is there any reason to file for an extension? Assuming you make no withdrawals, even if they re-classify assets in your Roth or something like that it shouldn't make any difference for taxes right? I started a Roth...
by ff4930
Sat Feb 25, 2017 3:51 pm
Forum: Investing - Theory, News & General
Topic: Already Roll over 401k but receive another check?
Replies: 4
Views: 602

Re: Already Roll over 401k but receive another check?

Thanks for the replies guys. Just wondering what would happen if I don't do anything with the check? Any tax repercussion?
by ff4930
Sat Feb 25, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: Already Roll over 401k but receive another check?
Replies: 4
Views: 602

Already Roll over 401k but receive another check?

I rolled over my old employer 401k from Wells Fargo into a T-IRA in Vanguard a few months ago. I just received a check from Wells Fargo for $4.29, and is labeled as "Direct Roll Over Termination Benefits" - https://www.dropbox.com/s/n11n5dhtn3h78ay/Photo%20Feb%2025%2C%203%2022%2028%20PM.jp...
by ff4930
Thu Feb 23, 2017 8:52 pm
Forum: Personal Investments
Topic: Review My New Asset Allocation
Replies: 5
Views: 910

Re: Review My New Asset Allocation

I haven't really had a defined asset allocation in the past as I had funds set aside for a downpayment for a house in mid term tax exempt muni funds through Vanguard. Now that we have purchased a home I need to set an allocation and am considering the below. Please let me know your thoughts or anyt...
by ff4930
Wed Feb 22, 2017 11:32 pm
Forum: Personal Investments
Topic: Retirement savings: Lots of $, job prospects weak
Replies: 36
Views: 5453

Re: Retirement savings: Lots of $, job prospects weak

It's dumb to say, because I know I'm in a great financial position right now, but I have never been more stressed about money as I have been this last week. I was less stressed when I had no money in college and had to double check my bank balance before a night out at the bars. The reasons for my ...
by ff4930
Wed Feb 22, 2017 7:23 pm
Forum: Personal Investments
Topic: Retirement savings: Lots of $, job prospects weak
Replies: 36
Views: 5453

Re: Retirement savings: Lots of $, job prospects weak

Is that 1 mill all dedicated to investing? No plans to buy a home and settle down or use the money for your wedding?
by ff4930
Tue Feb 21, 2017 11:36 pm
Forum: Personal Investments
Topic: Maxed out retirement accounts, now what?
Replies: 14
Views: 2688

Re: Maxed out retirement accounts, now what?

Take a look at the wiki for article on tax efficient placement funds. The most efficient fund for taxable is total stock market.
by ff4930
Tue Feb 21, 2017 9:28 pm
Forum: Personal Investments
Topic: Should I invest with the Robinhood app?
Replies: 13
Views: 4254

Re: Should I invest with the Robinhood app?

I have a Vanguard account, and I use it to buy Vanguard ETFs. However I also want to buy a non-Vanguard ETF, the WisdomTree International Small Cap Value ETF (DLS), as Vanguard lacks small-cap value ETFs. If you are wondering why I want to buy an international small-cap value ETF, I follow Paul Mer...