Search found 1382 matches

by PFInterest
Sun Jun 24, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 8
Views: 482

Re: Please critique my portfolio

Contributions are only available to singles with income under 135,000 and the amount you can save is reduced at 120,000. I would continue to save the 5500.00 in the Roth unless your income prohibits the Roth. #BackdoorRothIRA Agreed, just not trying to complicate it for OP. i think its more complic...
by PFInterest
Sun Jun 24, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ice machine
Replies: 8
Views: 444

Re: Recommendations for ice machine

We are a family of 6 and go through a lot of ice. My wife and I are unsweetened iced tea drinkers so it's easy for us to use an ice cube tray each, or more. The older kids load up their sports bottles with ice and water, and even the younger ones always want "ice water" instead of just plain water....
by PFInterest
Sun Jun 24, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 8
Views: 482

Re: Please critique my portfolio

dwickenh wrote:
Sun Jun 24, 2018 9:31 pm
Contributions are only available to singles with income under 135,000 and the amount you can save is reduced
at 120,000.

I would continue to save the 5500.00 in the Roth unless your income prohibits the Roth.
#BackdoorRothIRA
by PFInterest
Sun Jun 24, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: What should I do with my taxable account?
Replies: 9
Views: 1310

Re: What should I do with my taxable account?

Thanks for the response! A few follow up questions. 1. What makes you prefer VXUS over VEA? 2. How do you feel about me doing 10% into VWO? 3. Why do you prefer funds over ETFs? 4. Why do you suggest avoiding bonds? 5. Think I should cost average in over the next twelve months or just do lump sum? ...
by PFInterest
Sun Jun 24, 2018 3:00 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 33
Views: 3981

Re: Building a Computer

so what did you do? I've gone with Intel NUC's running Linux Mint. One 7th Gen i3 and one Pentium (highly recommended), 8 GB RAM, 250GB SSD's, also a cheap Dell Inspiron 3567 Laptop. I couldn't build it myself much cheaper and they're nice micro PC boxes. I was a little hesitant to build a giant to...
by PFInterest
Sun Jun 24, 2018 12:20 pm
Forum: Investing - Help with Personal Investments
Topic: So much angst
Replies: 44
Views: 3415

Re: So much angst

I'm tired of the angst around this. I'm certainly not alone with the angst. There's topic after topic covering, Why include international? Why include bonds? Are CDs a good alternative to bonds? Should I invest or pay down debt? DIY? Robo? But the fees or minimum cash! Target date? Do bonds go in t...
by PFInterest
Sun Jun 24, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: wi-fi internet connection issue
Replies: 15
Views: 1629

Re: wi-fi internet connection issue

telemark wrote:
Fri Apr 06, 2018 5:00 pm
These days WEP is almost worthless, security-wise, so you are better off using WPA2 anyway. If Frontier is charging you a monthly rental on the router, you might look into buying your own instead.
yes!
by PFInterest
Sun Jun 24, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: wi-fi internet connection issue
Replies: 15
Views: 1629

Re: wi-fi internet connection issue

UPDATE- The computer is fixed. Frontier replaced the old router with a new, advanced one and that did the trick. My new computer did not recognize the old WEP Key password system. The new router uses a WPA2 password system if I understand what the Frontier tech explained. I wass told this is a rare...
by PFInterest
Sun Jun 24, 2018 12:05 pm
Forum: Personal Consumer Issues
Topic: Building a Computer
Replies: 33
Views: 3981

Re: Building a Computer

I've looked at PCPartPicker for building a computer mostly for home theater/music/possibly some gaming. Looking at Intel Kaby Lake i5 for 4k Output at 60hz 250 GB SSD + 2 TB 7200RPM HD 2x8 GB RAM Blu Ray HDMI output Decent Graphics Card? Any suggestions? Never done this before. I thought it would b...
by PFInterest
Sun Jun 24, 2018 11:56 am
Forum: Personal Consumer Issues
Topic: Computer Security
Replies: 60
Views: 4223

Re: Computer Security

by stlrick » Mon Mar 26, 2018 10:23 am After spending a lot of time looking into this, I bought a Chromebook as a secondary machine and use it exclusively for on-line financial management. No email, no games, no searching, no blogs, no nothing. When I open the Chrome browser, the 10 or so links at ...
by PFInterest
Sun Jun 24, 2018 11:47 am
Forum: Investing - Theory, News & General
Topic: Hidden Index Bubble - I'd love to hear some thoughts!
Replies: 27
Views: 1815

Re: Hidden Index Bubble - I'd love to hear some thoughts!

i dont pay attention to many things that start with www.fool......
by PFInterest
Sun Jun 24, 2018 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Hitting your number---Now What?
Replies: 18
Views: 2318

Re: Hitting your number---Now What?

adjust your asset allocation given your need, ability, and desire for risk.
by PFInterest
Sun Jun 24, 2018 3:30 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Air On Sale $699
Replies: 48
Views: 5025

Re: Apple MacBook Air On Sale $699

There have been several questions about new computers on here recently and I found this great deal today. Not sure if its just for the day but the savings is decent for a computer that is supposed to last a while (I hope!...it'll be my first Mac :) https://www.bestbuy.com/site/apple-macbook-air-13-...
by PFInterest
Sun Jun 24, 2018 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 39
Views: 2573

Re: Compliments for Vanguard?

i have never needed to speak with a vanguard rep as i have never had an issue or problem.
by PFInterest
Sat Jun 23, 2018 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Two Toyotas - time to update for long trips?
Replies: 25
Views: 1915

Re: Two Toyotas - time to update for long trips?

thangngo wrote:
Fri Jun 22, 2018 10:44 am
Meh. Both vehicles are under 150k miles. As long as you continue doing regular maintenance, they should continue to run. Next question.
Yup. Glad we're done here.
by PFInterest
Sat Jun 23, 2018 12:36 am
Forum: Investing - Help with Personal Investments
Topic: Foreign Taxes paid from Foreign Index fund in 401K
Replies: 5
Views: 453

Re: Foreign Taxes paid from Foreign Index fund in 401K

Hello Bogleheads, As you all know, if we have foreign taxes paid via foreign funds in taxable account, we can take foreign tax credits. Similarly, is this possible for retirement accounts? Can we take credit of foreign tax paid, when we start paying taxes on the withdrawal during retirement? Thanks...
by PFInterest
Thu Jun 21, 2018 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: How does an investor best adjust asset allocation from 85/15 to 70/30?
Replies: 23
Views: 2062

Re: How does an investor best adjust asset allocation from 85/15 to 70/30?

Thanks for all the responses. Indeed the idea of locking in some gains, i.e. the sell stocks high / buy bonds low idea mentioned above, did occur to me as an added bonus. I only posted the question because it is a gargantuan transaction that causes trepidation. i TLH that much 2 months ago. its not...
by PFInterest
Thu Jun 21, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2244

Re: Need new Cable Modem + Router - Please recommend

Dear Bogleheads, I have an old cable modem + wireless N-router at home. I want to upgrade to something better. Everything works ok, but, I want to keep up with technology. I am also hoping to get faster speeds. I have Spectrum cable + TV at home. We are average users - 2/3 computers, Cable TV, Netf...
by PFInterest
Thu Jun 21, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2244

Re: Need new Cable Modem + Router - Please recommend

Small Law Survivor wrote:
Thu Jun 21, 2018 7:11 pm
Where did all of you go to learn networking/WiFi technology to this extent? I don't think the "average" person knows all this stuff.
Years of random learning.
by PFInterest
Thu Jun 21, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2244

Re: Need new Cable Modem + Router - Please recommend

Dumb question, sorry: if you have a router, why do you need a modem? I have Verizon FIOS. I have a router, that I can see, more around turn on/off. If I have a modem I'm not aware of where that is in my system. Is it possible its in the Optical Network terminal, the "ONT"? I have Verizon FiOS as we...
by PFInterest
Thu Jun 21, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2244

Re: Need new Cable Modem + Router - Please recommend

Dear Bogleheads, I have an old cable modem + wireless N-router at home. I want to upgrade to something better. Everything works ok, but, I want to keep up with technology. I am also hoping to get faster speeds. I have Spectrum cable + TV at home. We are average users - 2/3 computers, Cable TV, Netf...
by PFInterest
Tue Jun 19, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Investing HSA and Backdoor Roth IRA
Replies: 9
Views: 856

Re: Investing HSA and Backdoor Roth IRA

You should be doing a rIRA before taxable investing.
You should put FI in your 401k.
You should open it at Vanguard or Fidelity.
by PFInterest
Tue Jun 19, 2018 7:21 pm
Forum: Personal Consumer Issues
Topic: iPad Pro 12.9": Replacement for Laptop?
Replies: 47
Views: 3714

Re: iPad Pro 12.9": Replacement for Laptop?

The Kindle can easily be gotten rid of. Both the laptop and iPad have that capability.
by PFInterest
Tue Jun 19, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9784

Re: Messy Divorce -- Forensic Accounting Help....

You know the saying that "nobody ever wins a fight with a toddler?" You can't win an argument with a toddler. You can absolutely win a fight with a toddler. In fact, according to this diagnostic , I could win a fight with 31 toddlers :D A fight is exactly what OP has on his hands. this is amazing. ...
by PFInterest
Tue Jun 19, 2018 8:48 am
Forum: Investing - Help with Personal Investments
Topic: Messy Divorce -- Forensic Accounting Help....
Replies: 120
Views: 9784

Re: Messy Divorce -- Forensic Accounting Help....

Hi OP, So sorry this is happening to you. I can't even imagine. I hope you have the contact info for a good attorney. Sounds like you will need one. I'm not an accountant by any means, but I have a few thoughts: 1) The IRS does allow a yearly, tax-free gift of around $14,000 per year currently. I a...
by PFInterest
Mon Jun 18, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: can we afford to spend $20K on travel annually
Replies: 89
Views: 6653

Re: can we afford to spend $20K on travel annually

I want to spend 5% of my income on travel.



HOW IS THIS THREAD SO LONG?!
by PFInterest
Sun Jun 17, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: Which boglehead rule do you break--and are ok with
Replies: 152
Views: 11210

Re: Which boglehead rule do you break--and are ok with

I'm a pretty strict boglehead. The one guide I don't do is a written out directive Investment Plan Statement. I have some guiding heuristics I stick to religiously (segregating buckets according to desired risk and timeline, rebalancing) but I personally have never felt the need to write out anythi...
by PFInterest
Sun Jun 17, 2018 11:23 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice with Portfolio evaluation
Replies: 7
Views: 562

Re: Need Advice with Portfolio evaluation

Appreciate your responses! 401k is in LifePath Index 2050 with expense ratio of 0.05%. Current ROTH is individual stocks 60% and 40% is VOO. Can I open ROTH for spouse even though she is not working? And also we file tax jointly and current income is above 200k will that make her eligible for ROTH?...
by PFInterest
Sun Jun 17, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Multifactor vs. Value ETFs?
Replies: 2
Views: 220

Re: Multifactor vs. Value ETFs?

You can't predict anything you just wrote.
by PFInterest
Sun Jun 17, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Standard buyer's remorse or poorly timed enlightenment?
Replies: 40
Views: 3493

Re: Standard buyer's remorse or poorly timed enlightenment?

Hi all! I'm a long time occasional lurker who's posting for the first time, so please excuse any poor etiquette. I'll try to give you the cliffs notes and can fill in the details if needed. In short, we recently bought a new home to fit our expanded family. We're 4 in total, ages 35, 35, 4, and 7 m...
by PFInterest
Sat Jun 16, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 4170

Re: Are Bogleheads smarter than the bond market?

cfs wrote:
Fri Jun 15, 2018 2:10 pm
-- The question: Are Bogleheads smarter than the bond market?
-- The answer: YES, the score is not even close.
-- Next question?
Good luck, y gracias por leer ~cfs~
How do you plan to prove this?
by PFInterest
Sat Jun 16, 2018 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard admiral shares
Replies: 17
Views: 1199

Re: Vanguard admiral shares

Yes. The 10k is just to enter the club.
by PFInterest
Sat Jun 16, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: Should your employment/income source determine your investment choices?
Replies: 13
Views: 942

Re: Should your employment/income source determine your investment choices?

It has been suggested in another thread that whether one value tilts should be determined based on where one is employed (or where there pension comes from etc.). So, if your employer happens to be a "value" company at the moment, then your portfolio should be tilted to growth stocks. Conversely, i...
by PFInterest
Fri Jun 15, 2018 2:05 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads smarter than the bond market?
Replies: 40
Views: 4170

Re: Are Bogleheads smarter than the bond market?

There is a lot of talk recently about shifting to shorter duration bonds because interest rates are going up. Do we know something that is not already known by everyone else buying and selling bonds? Do we have information not already priced into the bonds? "The market is smarter than you are" was ...
by PFInterest
Tue Jun 12, 2018 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: "Bad" 401K or Taxable Account
Replies: 11
Views: 1081

Re: "Bad" 401K or Taxable Account

I receive a 4% match (end of fiscal year lump sum) on my contributions ... but the fees/costs are pretty bad (1.5 - 2% between fund + "management" fees). 22% fed tax bracket ... should I simply contribute to the match and divert the rest to a taxable account or is it still prudent to max out the 40...
by PFInterest
Tue Jun 12, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: A great father's day gift
Replies: 19
Views: 3397

Re: A great father's day gift

I mentioned his status as single because it can be relevant to net worth. IMHO, I think it can be more difficult for a married couple with children to accrue wealth. A spouse and children adds variables. BTW: He has a very nice girlfriend. Great gal. Really like her. Pretty good cribbage player. Th...
by PFInterest
Tue Jun 12, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Need Investment Advice! Continue with Raymond James or Swap to Vanguard!
Replies: 20
Views: 1499

Re: Need Investment Advice! Continue with Raymond James or Swap to Vanguard!

Hi, I am trying to help my 75 years old mother in law. She is invested with Raymond James and has been for many years. She is wondering if she should swap to Vanguard to try to avoid Raymond James fees and if possible Vanguard could maybe help her investments grow more. Her Financial Advisor said h...
by PFInterest
Tue Jun 12, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Shifting money for house from stock funds
Replies: 12
Views: 890

Re: Shifting money for house from stock funds

Hi, The conventional wisdom is to put money that is needed in the short term in cash or more conservative investments. Our time horizon is now 7 years and we have about $500K+ in after tax money split between the Vanguard Total Stock Market and Total International Stock Market funds. Is there a tax...
by PFInterest
Tue Jun 12, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor Services
Replies: 45
Views: 3226

Re: Vanguard Advisor Services

why did you sign up in the first place? are those reasons still valid?
by PFInterest
Tue Jun 12, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Shifting money for house from stock funds
Replies: 12
Views: 890

Re: Shifting money for house from stock funds

Hi, The conventional wisdom is to put money that is needed in the short term in cash or more conservative investments. Our time horizon is now 7 years and we have about $500K+ in after tax money split between the Vanguard Total Stock Market and Total International Stock Market funds. Is there a tax...
by PFInterest
Tue Jun 12, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Mid 30s couple looking for some direction
Replies: 5
Views: 667

Re: Mid 30s couple looking for some direction

List your 401k funds otherwise how would we pick?
by PFInterest
Tue Jun 12, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K vs Taxable
Replies: 23
Views: 1380

Re: Help with 401K vs Taxable

Thank you for the feedback. I used to contribute more to my 401K, but last year a fiduciary suggested I drop my 401K contribution due to the limited investment choices in the 401K account, and instead add to a taxable with greater/better choices. I am working towards saving 50% of my income towards...
by PFInterest
Tue Jun 12, 2018 1:13 pm
Forum: Investing - Theory, News & General
Topic: Why has VGHAX expense ratio grown by 136% since 2005-6?
Replies: 6
Views: 780

Re: Why has VGHAX expense ratio grown by 136% since 2005-6?

dont know. dont care. either it fits your plan or it doesnt.
by PFInterest
Tue Jun 12, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7060

Re: Boring Job

why arnt you finding more work to do?
by PFInterest
Tue Jun 12, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help with tax efficiency -- Fidelity FSTVX vs iShares ITOT
Replies: 9
Views: 396

Re: Help with tax efficiency -- Fidelity FSTVX vs iShares ITOT

i think either one will be fine. agree would skip VTI given cost.
by PFInterest
Tue Jun 12, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: CA Franchise Tax Board lost 2017 Return
Replies: 2
Views: 344

Re: CA Franchise Tax Board lost 2017 Return

Sounds like it was lost.
Yes everything should be electronic these days.
Your credit should be frozen.