Search found 441 matches

by PFInterest
Tue Dec 12, 2017 9:52 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 33
Views: 2844

Re: State Farm Insurance, Time to Leave

michaeljc70 wrote:
Tue Dec 12, 2017 8:28 pm
That being said, if you've had claims or tickets, it makes switching more complicated and sometimes not possible.
Neither but agree.
by PFInterest
Tue Dec 12, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 33
Views: 2844

Re: State Farm Insurance, Time to Leave

Have had State Farm auto for 45 years and Homeowners for almost 40. When you have all insurance with State farm (as we do) there is a significant discount. A good idea, as well, is to regularly review all coverage and details for accuracy (such as miles driven per year, whether to work or school, e...
by PFInterest
Tue Dec 12, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 33
Views: 2844

Re: State Farm Insurance, Time to Leave

Thanks guys. Appreciate the input.
by PFInterest
Tue Dec 12, 2017 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 33
Views: 2844

State Farm Insurance, Time to Leave

Just a rant: Current car insurance for a 17 year old Honda Civic, standard mileage, no collision, and 1K deductible just went up 25% this year. The other car went up 10% as well. We have all available discounts including multi line, multi car, safe driver, loyalty, etc. Called to confirm that there ...
by PFInterest
Sun Dec 10, 2017 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Build credit or pay in full
Replies: 9
Views: 636

Re: Build credit or pay in full

you left off the details....
my credit is excellent, i am younger than you, and i have never had a loan. so to me it does not seem important to keep.
by PFInterest
Sun Dec 10, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Newlyweds in West Los Angeles
Replies: 8
Views: 971

Re: Newlyweds in West Los Angeles

1) max out accounts if possible. 401ks, rIRAs, etc.
2) rent. once you are stable for a few years at work, and the family situation is stable, then consider buying. it is not required however.
by PFInterest
Sun Dec 10, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Need advice
Replies: 16
Views: 807

Re: New Investor Need advice

please list expense ratios.
you can put 18k this year and 18.5k next year into the 401k.
it looks like the s&p 500 and pimco/stable value will be your best picks.

your last question doesnt make sense: index funds are the specific funds you should pick. specific funds you pick should be index funds.
by PFInterest
Sun Dec 10, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidating Accounts to One-Stop
Replies: 5
Views: 300

Re: Consolidating Accounts to One-Stop

Easier to fund Roth all at once.
Wouldn't pick s&p over tsm.
Otherwise sounds reasonable.
by PFInterest
Sun Dec 10, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Cell signal booster to fix -110 dBm 99aum signal strength
Replies: 9
Views: 537

Re: Cell signal booster to fix -110 dBm 99aum signal strength

did you look up using wifi calling with republic wireless?
by PFInterest
Sat Dec 09, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Traditional vs Roth IRA at high tax brackets?
Replies: 6
Views: 731

Re: Traditional vs Roth IRA at high tax brackets?

do the t401k. you should also be doing 2 backdoor rIRAs.
by PFInterest
Sat Dec 09, 2017 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: New Young Investor: Roth IRA: Mutual Funds, ETFs, or Index?
Replies: 8
Views: 477

Re: New Young Investor: Roth IRA: Mutual Funds, ETFs, or Index?

STOP!
first off lots and lots of reading.


mutual funds and ETFs are different. but both can be index funds.
what extra fees do you see w/ mutual funds? mine have none.
by PFInterest
Sat Dec 09, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: How bonds would have been better in 2008 crash
Replies: 5
Views: 651

Re: How bonds would have been better in 2008 crash

were those results re-balanced every year or left alone?
bonds are not for returns, they are for stability.
by PFInterest
Sat Dec 09, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10462

Re: Save all this money, what do you splurge on?

food!
and after reading KlangFool's response, also lots of coffee....
by PFInterest
Thu Dec 07, 2017 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Temporary investing (maybe)
Replies: 3
Views: 312

Re: Temporary investing (maybe)

CDs. bonds. stocks.
by PFInterest
Thu Dec 07, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Old 401k Rollover
Replies: 5
Views: 397

Re: Old 401k Rollover

if options are good leave it alone. if your new options are good move it there. if all the options suck move to tIRA. then that might complicate backdoor rIRA.
by PFInterest
Wed Dec 06, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund vs Target
Replies: 10
Views: 602

Re: 3 fund vs Target

Also they are 4 funds actually. Not everyone wants that mix.
by PFInterest
Tue Dec 05, 2017 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: question about opening Traditional IRA
Replies: 8
Views: 510

Re: question about opening Traditional IRA

No. IRAs are individual. You each have one. Once he is no longer employed then he can roll it over.
by PFInterest
Tue Dec 05, 2017 4:19 pm
Forum: Personal Consumer Issues
Topic: How much do you need to drive a car to keep battery charged and everything else OK?
Replies: 36
Views: 2728

Re: How much do you need to drive a car to keep battery charged and everything else OK?

How much do you need to drive a car to keep battery charged and everything else OK? I know there are other reasons to drive a car regularly, other than just the battery, but I don't know what they are. I have a 2003 Toyota Camery that I don't use much. If I just drive it once a week to the grocery ...
by PFInterest
Tue Dec 05, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: Dodge & Cox Income
Replies: 5
Views: 920

Re: Dodge & Cox Income

No. Thankfully I don't listen to Morningstar.
by PFInterest
Mon Dec 04, 2017 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a Traditional IRA Within Existing Vanguard Account
Replies: 11
Views: 535

Re: Opening a Traditional IRA Within Existing Vanguard Account

You do the exact same as you have already done, just click traditional instead of Roth this time. Don't forget you only get 5.5K/yr total. Not each.
by PFInterest
Sun Dec 03, 2017 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Bond choices in multiple 401(k) accounts
Replies: 12
Views: 842

Re: Bond choices in multiple 401(k) accounts

whats wrong with vang int term?
by PFInterest
Sun Dec 03, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k roll-over prior to moving to much higher tax bracket
Replies: 3
Views: 215

Re: Help with 401k roll-over prior to moving to much higher tax bracket

You need to be no longer employed to move it.
Why do you want to move it?
Yo could also move it to your new employers 401k if allowed.

Many options.
by PFInterest
Sat Dec 02, 2017 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: Hold an ETF in a Roth or Individual Account?
Replies: 6
Views: 591

Re: Hold an ETF in a Roth or Individual Account?

ETF doesn't mean anything. What are you investing in?
by PFInterest
Sat Dec 02, 2017 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do? [Which Vanguard fund?]
Replies: 13
Views: 1440

Re: What would you do? [Which Vanguard fund?]

if you want to be more aggressive, then either pick a TDF that is 90:10, or total stock (VTSAX or VTI) and no bonds.
80:20 is likely fine for you given your age.
and what if the bull market ends?

also this
asking portfolio questions.
viewtopic.php?t=6212
by PFInterest
Sat Dec 02, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Why should I look globally at my portfolio between taxable and non taxable accounts ?
Replies: 13
Views: 1053

Re: Why should I look globally at my portfolio between taxable and non taxable accounts ?

for 3 years it should probably have a different AA.
i dont know if 90:10 is that AA. can you handle a 45% loss and still fund college?
by PFInterest
Sat Dec 02, 2017 7:24 pm
Forum: Investing - Theory, News & General
Topic: Tax ? - Gifting funds and 30 day wash rule
Replies: 2
Views: 228

Re: Tax ? - Gifting funds and 30 day wash rule

there is no rule for buying after donating shares.
who are you giving this to?
by PFInterest
Sat Dec 02, 2017 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Gifted a significant sum - taxes?
Replies: 5
Views: 1077

Re: Gifted a significant sum - taxes?

yes its not you.
was it only from him? because if from mother in law as well, thats 28k for you and 28k for your wife. which would fall below any reporting level.
by PFInterest
Sat Dec 02, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Young Professional just starting needs advice
Replies: 5
Views: 581

Re: Young Professional just starting needs advice

90:10 is fine.
Match and Roth fine.
Get to maybe 5K cash and reassess.
by PFInterest
Fri Dec 01, 2017 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Help me recreate VTSAX from these funds
Replies: 7
Views: 670

Re: Help me recreate VTSAX from these funds

glad that post is over.

also its in the wiki.
by PFInterest
Thu Nov 30, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell some of my Berkshire stock
Replies: 31
Views: 2799

Re: Should I sell some of my Berkshire stock

1/3 of your portfolio in 1 single stock?
yes sell.
put it in total stock, dont buy it back :oops:
by PFInterest
Thu Nov 30, 2017 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Transfer to Vanguard - Reinvestment as Single Purchase or Dollar Cost Average
Replies: 4
Views: 264

Re: Roth Transfer to Vanguard - Reinvestment as Single Purchase or Dollar Cost Average

was the money invested before? or in cash?

if the former, nothing has changed so put it back in.
by PFInterest
Thu Nov 30, 2017 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: IUL (Pacific Discovery Xelerator IUL)
Replies: 2
Views: 148

Re: IUL (Pacific Discovery Xelerator IUL)

it is likely a poor decision.
a reg taxable account can be very tax efficient. even tax free at times.
by PFInterest
Thu Nov 30, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Put SEP-IRA contributions into T-IRA?
Replies: 3
Views: 257

Re: Put SEP-IRA contributions into T-IRA?

you should be able to combine them.
by PFInterest
Tue Nov 28, 2017 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 100% U.S stocks to 30% international?
Replies: 36
Views: 3015

Re: Going from 100% U.S stocks to 30% international?

One shot. Then it will go back down. Then up again. Repeat.
by PFInterest
Tue Nov 28, 2017 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: 401k fund option help
Replies: 4
Views: 373

Re: 401k fund option help

80:20 vanguard s&p 500 and vanguard small cap.
short term bond if you need them.

done.
by PFInterest
Tue Nov 28, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: New Vanguard IRA for my young adult kids
Replies: 2
Views: 315

Re: New Vanguard IRA for my young adult kids

online was easy.
you need 1K for a TDF.
you can give them the money, or connect a bank account.
by PFInterest
Tue Nov 28, 2017 6:33 pm
Forum: Investing - Theory, News & General
Topic: CNBC says Vanguard says 70% Chance of "Correction"
Replies: 63
Views: 7772

Re: CNBC says Vanguard says 70% Chance of "Correction"

"Chance of US stock market correction now at 70 percent: Vanguard Group" Scary headline of the day. I'm guessing they're deriving that number from the below quotes https://www.cnbc.com/2017/11/27/chance-of-us-stock-market-correction-now-at-70-percent-vanguard.html Vanguard research shows that the c...
by PFInterest
Sun Nov 26, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 11841

Re: Bonds Are Riskier Than People Think

If you look at the Barclays Aggregate Bond Index (which Vanguard Total Bond Index is based on), it has only had 3 down years since 1976 - 1994 at -2.92%, 1999 at -0.82%, and 2012 at -2.02%. So bonds seem relatively stable to me. I remember 2012 like it was yesterday.....such a disaster for FI. :oop...