Search found 1360 matches

by PFInterest
Tue Jun 19, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Investing HSA and Backdoor Roth IRA
Replies: 4
Views: 389

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: 40
Views: 2887

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: 9455

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: 9455

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: 6580

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: 151
Views: 10594

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: 547

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: 216

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: 3438

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: 39
Views: 3751

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: 1180

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: 919

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: 39
Views: 3751

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: 1074

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: 3383

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: 1472

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: 885

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: 3172

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: 885

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: 662

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: 1372

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: 777

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: 62
Views: 6364

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: 390

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: 342

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.
by PFInterest
Mon Jun 11, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3244

Re: How to convince my co-worker to invest more?

My 26-year-old co-worker just graduated university a month ago and has moved from part-time to full-time. That gave him a big bump in pay and access to our (terrible) 401k. I always tell people on my team at work to do an IRA before our 401k because of the limited 401k options we have and the 1.6% ...
by PFInterest
Mon Jun 11, 2018 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: How to convince my co-worker to invest more?
Replies: 47
Views: 3244

Re: How to convince my co-worker to invest more?

My 26-year-old co-worker just graduated university a month ago and has moved from part-time to full-time. That gave him a big bump in pay and access to our (terrible) 401k. I always tell people on my team at work to do an IRA before our 401k because of the limited 401k options we have and the 1.6% ...
by PFInterest
Mon Jun 11, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Annual Portfolio Checkup
Replies: 4
Views: 496

Re: Annual Portfolio Checkup

Questions/Areas of Concern I'm favoring TBM in 401K over tax exempt muni bond funds in my taxable account - am I wasting my 401K space? --nope sounds good. I've managed to cut down from 11 funds to 8 but perhaps I should keep pushing - I like having some control over emerging markets but perhaps it...
by PFInterest
Mon Jun 11, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Options
Replies: 10
Views: 434

Re: 401k Options

whats wrong with bond + s&p? you didnt list the fees.
whats the cost of doing self directed?
whats in your rIRA?
skip the TDF.
by PFInterest
Mon Jun 11, 2018 12:36 pm
Forum: Personal Consumer Issues
Topic: Water heater installation situation
Replies: 56
Views: 4319

Re: Water heater installation situation

i would look up the code and make sure they are not just being lazy.
then call a few more contractors and start getting quotes.
by PFInterest
Mon Jun 11, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Which way to save for my child?
Replies: 32
Views: 1824

Re: Which way to save for my child?

i would do 529 to the limit, then just a taxable account.
by PFInterest
Mon Jun 11, 2018 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investments and long term financial road
Replies: 15
Views: 1153

Re: Help with investments and long term financial road

GreenieMeanie7 wrote:
Mon Jun 11, 2018 11:54 am
Question:

If I do the debt snowball, it will wrap up some of my student loans before the CC's. I think I get some deductibility from student loan interest.
the CC should be first, no questions asked.
by PFInterest
Mon Jun 11, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement plan / AA checkup
Replies: 1
Views: 199

Re: Retirement plan / AA checkup

QUESTIONS: 1. Does anyone think I’m starting the semi-retirement too early or have concerns with the overall plan? --nope. youre done. -- also those federal tax brackets dont exist anymore. 2. Does anyone think a 50/50 AA is too conservative for my age? I was running 70/30 but switched to 65/35 in ...
by PFInterest
Mon Jun 11, 2018 11:59 am
Forum: Investing - Help with Personal Investments
Topic: New to Investing/Saving- help
Replies: 7
Views: 462

Re: New to Investing/Saving- help

- Gross income: $65k/year (-husband makes $77/year) + bonuses, in a fairly LCOL area - Mortgage: $1300/mo (includes taxes, insurance) - Car payment: $225/mo (will be paid off early 2019) - Student loan payment: $140/mo (will be paid off in next couple months) - Have 2,500 of CC debt from post gradu...
by PFInterest
Mon Jun 11, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1363

Re: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

I posted a similar post earlier but after reading it I didn't feel it capture what I really wanted to ask (sorry if it seems redundant). I'm 46 and plan to retire with a nice pension in 2032 (14 years away). I'm maxing out my 457 with the following: VTSAX 55% VTIAX 17% VBTLX 28% I also am maxing ou...
by PFInterest
Mon Jun 11, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?
Replies: 22
Views: 1363

Re: Vanguard STAR, Vanguard 2030 TDF, pay extra toward the house, or other?

I posted a similar post earlier but after reading it I didn't feel it capture what I really wanted to ask (sorry if it seems redundant). I'm 46 and plan to retire with a nice pension in 2032 (14 years away). I'm maxing out my 457 with the following: VTSAX 55% VTIAX 17% VBTLX 28% I also am maxing ou...
by PFInterest
Mon Jun 11, 2018 12:02 am
Forum: Investing - Help with Personal Investments
Topic: How does an investor best adjust asset allocation from 85/15 to 70/30?
Replies: 20
Views: 1750

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
Sun Jun 10, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Best HEPA air purifier for cat allergy sufferer?
Replies: 13
Views: 756

Re: Best HEPA air purifier for cat allergy sufferer?

So, after having a pair of cats for nearly six years I have recently developed an allergy to them. Getting rid of the cats is not an option. I have started researching HEPA air purifiers and it seems like they all have their advocates and detractors. Which unit would you recommend? nothing you do w...
by PFInterest
Sun Jun 10, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3357

Re: IMac SSD

hirlaw wrote:
Sat Jun 09, 2018 5:19 pm
Does anyone know if you can also upgrade the HD on an IMac (I believe we have the "late 2012" version)?
You as long as you have these skills:
https://www.ifixit.com/Guide/iMac+Intel ... ment/15796
by PFInterest
Sat Jun 09, 2018 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Why does employer 401K has more limit than personal Roth IRA
Replies: 15
Views: 1367

Re: Why does employer 401K has more limit than personal Roth IRA

The reason I posted the question was, for people like us whose employer doesn't offer 401k plans. We are only allowed to open IRA and contribute 5500/year. If we want to contribute more towards our retirement, we have to do some regular investments. You need a new job if you want a 401k then. And y...
by PFInterest
Sat Jun 09, 2018 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Existing Roth IRA
Replies: 15
Views: 719

Re: Existing Roth IRA

Consider back-door Roths if you have room in your new tax bracket. this statement makes no sense. please explain. one does a backdoor rIRA once they have passed the income restrictions. however anyone can do a backdoor rIRA even if they dont need to. the only "room" one needs is the actual money to...
by PFInterest
Sat Jun 09, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Existing Roth IRA
Replies: 15
Views: 719

Re: Existing Roth IRA

You can just leave your Roth the way it is - you just can't contribute to it directly. You can, however, still contribute to a traditional IRA on an after tax basis. When you do this - just be sure to keep track of your after tax basis (the total money you contributed to all your IRAs after taxes)....
by PFInterest
Sat Jun 09, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Existing Roth IRA
Replies: 15
Views: 719

Re: Existing Roth IRA

Consider back-door Roths if you have room in your new tax bracket. this statement makes no sense. please explain. one does a backdoor rIRA once they have passed the income restrictions. however anyone can do a backdoor rIRA even if they dont need to. the only "room" one needs is the actual money to...
by PFInterest
Sat Jun 09, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Existing Roth IRA
Replies: 15
Views: 719

Re: Existing Roth IRA

Hi everyone, I have an existing Roth IRA that I set up when I was single. I will be getting married soon and after my wife and I get a few more raises in the next 4 years or so that will put us over the $199,000 income limit. My question is, what happens to an existing Roth IRA when your income exc...
by PFInterest
Sat Jun 09, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 3357

Re: Upgrade to SSD for 5-year old desktop?

I upgraded an ancient Dell laptop from 2007 (SATA-2 160GB 5400 HDD) to a Samsung 840 EVO 256GB SSD, and it was night and day difference on that old beast. Still using it as my daily driver. Even running in SATA-2, the SSD is lightning fast with bootup and launching apps. And swapping in and out wit...
by PFInterest
Sat Jun 09, 2018 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Why does employer 401K has more limit than personal Roth IRA
Replies: 15
Views: 1367

Re: Why does employer 401K has more limit than personal Roth IRA

For the employer 401K there yearly max limit is $18,500. For people whose employer doesn't offer 401K, they can open traditional or Roth IRA. But for this max contribution limit is only $5,500. Why does employer 401K has more contribution limit than Roth IRA ? Why isn't government allowing Roth IRA...