Search found 778 matches

by PFInterest
Wed Feb 21, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Joint Taxable Account
Replies: 8
Views: 377

Re: Joint Taxable Account

Are you going to leave her? And if it came from mixed money it's probably Co owned anyways.
by PFInterest
Wed Feb 21, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Morningstar's Holding Style: Good enough to base allocations??
Replies: 8
Views: 293

Re: Morningstar's Holding Style: Good enough to base allocations??

It is the market weight. if you deviate you are getting on something different.
by PFInterest
Tue Feb 20, 2018 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 33
Views: 4616

Re: <gulp> Expensive mistake

About 10 months ago I took some really great recommendations from this board and simplified and reallocated my retirement savings. I got my 2017 TSP statement in the mail this weekend and kept trying to figure out if their printer colors were off or something because it showed a huge chunk of chang...
by PFInterest
Tue Feb 20, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Safe to file taxes now?
Replies: 36
Views: 3039

Re: Safe to file taxes now?

It's more risky to wait.
by PFInterest
Tue Feb 20, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Jersey shore vacation cost
Replies: 9
Views: 1247

Re: Jersey shore vacation cost

My wife and I are taking our 3 daughters (6, 10, 14) to Wildwood Crest 7/1 - 7/8. We've been there before, as well as Ocean City and Long Beach Island. We've always had a good time and the kids love it. We booked a condo through VRBO, with total cost being about $3,700 for 7 nights (this includes t...
by PFInterest
Tue Feb 20, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security vs Nest Egg Trade-off
Replies: 16
Views: 1524

Re: Social Security vs Nest Egg Trade-off

No one knows when they will die. That's the tricky part.
by PFInterest
Tue Feb 20, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off car loan good for credit?
Replies: 19
Views: 784

Re: Paying off car loan good for credit?

TheBogleWay wrote:
Tue Feb 20, 2018 4:17 pm
PFInterest wrote:
Tue Feb 20, 2018 4:06 pm
Both.
Never had a car loan and my credit is 800+.
...both? You're saying paying it off and not paying it off are both better than the other option for my credit? I'm not sure that makes sense...
youre the one debating whether or not taking 2% of your income and paying off a loan matters.
by PFInterest
Tue Feb 20, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off car loan good for credit?
Replies: 19
Views: 784

Re: Paying off car loan good for credit?

Both.
Never had a car loan and my credit is 800+.
by PFInterest
Tue Feb 20, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Advice request: Managing Mom's Money
Replies: 11
Views: 796

Re: Advice request: Managing Mom's Money

get her money away from ML first.
her life expectancy isnt much more than 10 years, so 48k/yr is definitely too much but of course you say shes not spending it all, and SS is helping.
move it all to vanguard. pick TDF income or LS Conserv and move on.
by PFInterest
Mon Feb 19, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Tapping 401(k) Assets Prior to Age 59 1/2
Replies: 12
Views: 966

Re: Tapping 401(k) Assets Prior to Age 59 1/2

You are missing that RMDs are better than extra taxes. Would not pursue your specific plan.
by PFInterest
Mon Feb 19, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Money market accounts
Replies: 2
Views: 458

Re: Money market accounts

Whoever pays the most after tax.
by PFInterest
Mon Feb 19, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Downloading VG Brokerage to TT
Replies: 6
Views: 315

Re: Downloading VG Brokerage to TT

Nope mine worked. Sorry.
by PFInterest
Mon Feb 19, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: Tax Adjusting a Taxable Account
Replies: 18
Views: 845

Re: Tax Adjusting a Taxable Account

We don't tax adjust our numbers.
by PFInterest
Mon Feb 19, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: What does it mean to be "in cash"?
Replies: 21
Views: 1223

Re: What does it mean to be "in cash"?

mlagrange wrote:
Mon Feb 19, 2018 6:31 am
Hello - I keep hearing people say that they are "in cash", as opposed to being "in the market". "In cash" like how?
A checking account, or a money market fund? Under their mattress, or in a coffee can buried in the back yard? :?
Thanks
All of the above and more.
by PFInterest
Mon Feb 19, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Misc Income [how to report with no 1099]
Replies: 42
Views: 1719

Re: Misc Income [how to report with no 1099]

Sounds like you were paid under the table?
by PFInterest
Mon Feb 19, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 2
Views: 229

Re: Portfolio Advice

Nope. That would serve a lot of ppl well.
Do you mean bonds tax advantaged?
10% healthcare is too much for me, maybe pair it down to 5%?
by PFInterest
Mon Feb 19, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Taxable fund placement
Replies: 7
Views: 465

Re: Taxable fund placement

You also lose foreign tax credit.
by PFInterest
Mon Feb 19, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Combining Chase Credit Cards
Replies: 3
Views: 345

Re: Combining Chase Credit Cards

Sure. Your limits are low, just get them raised.
by PFInterest
Mon Feb 19, 2018 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Benefit to Roth IRA for me?
Replies: 3
Views: 197

Re: Benefit to Roth IRA for me?

No one gets a tax break on Roth's. That's the point.
I suggest you learn about taxation of securities and then come back to answer your question.
by PFInterest
Sun Feb 18, 2018 9:32 pm
Forum: Investing - Theory, News & General
Topic: Target Retirement Fund Question
Replies: 20
Views: 1493

Re: Target Retirement Fund Question

Hello All, Can an investor rest assured that Vanguard in 2060 will be the same Vanguard we know today? The reason I ask is because I'm planning on moving all my money to a target retirement fund and just leaving it until about 2060. My concern is that Vanguard could change the way it operates or ma...
by PFInterest
Sun Feb 18, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bond market
Replies: 24
Views: 2170

Re: Muni Bond market

VWUIX and move on.
by PFInterest
Sun Feb 18, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Over 55 does contributing to a Roth 401K make sense based on new Tax Brackets
Replies: 25
Views: 1824

Re: Over 55 does contributing to a Roth 401K make sense based on new Tax Brackets

My husband and I, ages 56 and 57, have always contributed and maxed out to a before-tax 401k. Due to lay-offs we are now making less, our income will is about $165,000 before any deductions. I was wondering does it now make sense to contribute to a Roth 401K because we are in a the 22% tax bracket?...
by PFInterest
Sun Feb 18, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 83
Views: 7636

Re: Bogleheads with $100K+ MSRP cars?

I would love a Tesla but don't know if I will ever pull trigger on that much :moneybag . We'll see what the future holds....
We are also keeping our saving at about 40% which I value more right now.
by PFInterest
Sun Feb 18, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: premium bonds
Replies: 7
Views: 402

Re: premium bonds

Why would it be?
by PFInterest
Sat Feb 17, 2018 9:06 pm
Forum: Personal Consumer Issues
Topic: Mixing fuel octanes for cars
Replies: 57
Views: 3459

Re: Mixing fuel octanes for cars

livesoft wrote:
Sat Feb 17, 2018 7:13 am
I'd fill up with 89 and not even use any 93. Saves more money. Actually, I always use the lowest octane which is 87 around here I think.

Do the experiment and see if lower octane works.
👍
by PFInterest
Sat Feb 17, 2018 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: What has been your most important skill in achieving financial independence?
Replies: 164
Views: 10560

Re: What has been your most important skill in achieving financial independence?

sonofdelrinson wrote:
Sat Feb 17, 2018 5:14 pm
PFInterest wrote:
Sat Feb 17, 2018 4:59 pm
Earning money, then saving at least 40% of it.
Man that's a high rate of savings. Is that off your gross income, or net? Seems like that would only be possible after passing around $60k or $70k annual income and retaining your style of living.
Gross.
by PFInterest
Sat Feb 17, 2018 12:56 am
Forum: Investing - Help with Personal Investments
Topic: Retirement Income- ROTH last?
Replies: 5
Views: 789

Re: Retirement Income- ROTH last?

either way is fine.
its just dont use it first.

it can grow the most, and be used for estate planning the best.
by PFInterest
Sat Feb 17, 2018 12:55 am
Forum: Investing - Theory, News & General
Topic: GMO forecast
Replies: 17
Views: 1585

Re: GMO forecast

what is gmo?

dont do anything.
by PFInterest
Sat Feb 17, 2018 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Federal Income Taxes in 2018
Replies: 3
Views: 796

Re: Federal Income Taxes in 2018

most ppl are going down.
mine will be single digits.
by PFInterest
Fri Feb 16, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: used Prius (or Chevy Volt?)
Replies: 29
Views: 1781

Re: used Prius

Either current or last gen is fine.
by PFInterest
Fri Feb 16, 2018 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Why are TLT and AGG declining so much?
Replies: 10
Views: 1292

Re: Why are TLT and AGG declining so much?

Did you read about interest rates?
by PFInterest
Fri Feb 16, 2018 12:33 am
Forum: Investing - Help with Personal Investments
Topic: 2 year portfolio check
Replies: 11
Views: 786

Re: 2 year portfolio check

Why are you separating your finances?
by PFInterest
Thu Feb 15, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Starting a new account
Replies: 6
Views: 498

Re: Starting a new account

With your lack of info: VTI.
by PFInterest
Thu Feb 15, 2018 6:27 pm
Forum: Investing - Theory, News & General
Topic: Is Tax-Managed Small Cap (VTMSX) an underrated fund?
Replies: 5
Views: 654

Re: Is Tax-Managed Small Cap (VTMSX) an underrated fund?

the difference between that and VSMAX for the past 12 years has been about $1400. and who knows if the past will represent the future.
it honestly doesnt matter.
by PFInterest
Thu Feb 15, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: How do docs treat "white coat hypertension"?
Replies: 35
Views: 2061

Re: How do docs treat "white coat hypertension"?

Do you pay attention to "how" they take your BP? There was a relatively recent study (cited here on BH unless the thread was removed b/c of 'medical' topics) about how almost no med students (I think that was the group) took BP properly. There is a list of things to attend to that would take more t...
by PFInterest
Thu Feb 15, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 36
Views: 3012

Re: Any Creative Ways to Cut the Cable?

cancel your cable
get an antenna
youll be amazed how much of your money is being wasted....
youll still spend too much time on netflix/prime.
by PFInterest
Thu Feb 15, 2018 4:22 pm
Forum: Personal Consumer Issues
Topic: What big item (>20k) are you saving up for?
Replies: 125
Views: 8910

Re: What big item (>20k) are you saving up for?

A lot of Bogleheads have considerable taxable accounts. If you are saving up to buy a large purchase (in excess of say $20,000), what might that item be? Around my neighborhood I see a lot of folks have boats and recreational vehicles. I suspect most are paying monthly on them though. At my megacor...
by PFInterest
Thu Feb 15, 2018 4:20 pm
Forum: Investing - Theory, News & General
Topic: Are ETFs Safe?
Replies: 11
Views: 844

Re: Are ETFs Safe?

VTI is VTSAX so yes.
by PFInterest
Wed Feb 14, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Reasonably Safe Funds
Replies: 27
Views: 1843

Re: Suggestions for Reasonably Safe Funds

You can buy a highly rated bond at about 3% and see no price fluctuation if held to maturity and if you go shorter duration, your purchasing power won’t be eaten up as quickly. Some bonds in that range include a 10 year treasury, a 5 year corporate at Aa/AA or a 3 year corporate at an A rating. I d...
by PFInterest
Tue Feb 13, 2018 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: 401K to Roth 401K
Replies: 40
Views: 2670

Re: 401K to Roth 401K

If your spouse has a match, that must be placed in a traditional 401k account, even if she makes 100% of her contributions to the Roth 401k. So she will always have funds in both types of accounts. If you are converting the small amount already contributed to traditional in an attempt to have only ...
by PFInterest
Tue Feb 13, 2018 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Building a Portfolio
Replies: 5
Views: 439

Re: Building a Portfolio

Your situation isn't that unique. Are you planning on leaving the US in the future?
by PFInterest
Tue Feb 13, 2018 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Should I claim chapter 7 bankruptcy? debt 110k
Replies: 64
Views: 6441

Re: Should I claim chapter 7 bankruptcy? debt 110k

Doom&Gloom wrote:
Tue Feb 13, 2018 5:51 pm
I find it troubling that you present no plan of action for your financial future and are currently unemployed and living with your parents. I would not presume to offer advice about bankruptcy without knowing more details about your situation, plans, and expectations.
Only in America.
by PFInterest
Tue Feb 13, 2018 7:33 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 95
Views: 8002

Re: What if you only live off dividends?

Many people worry whether a 4% SWR will work in the future. Complicated attempts have been made to calculate a new SWR. Mainstream strategies use a total return approach and will liquidate a share of principal each year to meet the SWR payment. The assumption is that the assets will grow back. What...