Search found 1241 matches

by PFInterest
Fri May 25, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: Is backdoor Roth IRA eliminated in 2018?
Replies: 8
Views: 1013

Re: Is backdoor Roth IRA eliminated in 2018?

I’ve googled this and found different answers. I have also seen it come up in several posts here (where it wasn’t the primary issue but was mentioned). I just wanted to throw it out there. A very knowledgeable colleague also mentioned this, but that person had not done the backdoor Roth in the past...
by PFInterest
Fri May 25, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth Question
Replies: 5
Views: 387

Re: Backdoor Roth Question

I've got a quick (and likely easy) question about the best way of performing a backdoor Roth conversion. I understand the process and how to do it but need clarification on the best particular strategy. This year my wife and I will phase back out of being able to contribute directly to a Roth IRA. ...
by PFInterest
Thu May 24, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: changing job -- retirement account help please
Replies: 13
Views: 510

Re: changing job -- retirement account help please

ive never heard of anyone who offesr just a r401k?
by PFInterest
Thu May 24, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: work one more year or attend law school
Replies: 23
Views: 1487

Re: work one more year or attend law school

will your school allow the delay?
what is the goal for going to law school? big law, in house counsel? 2 years of lost wages + tuition on top of that seems painful but definitely not the worst thing in the world to do.
by PFInterest
Thu May 24, 2018 3:13 pm
Forum: Personal Consumer Issues
Topic: Hard Sided Laptop Protector
Replies: 7
Views: 365

Re: Hard Sided Laptop Protector

why not just a thin flat sheet of plastic/wood/metal cut to the size of the compartment that would sit between the laptop and your back?
by PFInterest
Thu May 24, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Short Duration Bonds ETF with Fidelity
Replies: 15
Views: 800

Re: Short Duration Bonds ETF with Fidelity

no clue about fidelity, but VCSH is at vanguard.
im assuming you mean, indexed/low cost like the s&p 500? because bonds and stocks are very different things.
by PFInterest
Thu May 24, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: ETF: Compound vs. Day/Swing trading (catch the wave)
Replies: 10
Views: 550

Re: ETF: Compound vs. Day/Swing trading (catch the wave)

Hi, Sorry if this had been asked here before, but I didn't seem to be able to find it. Also sorry if my questions are too newbie-ish. I was wondering, which one gives a better return with ETF, leave it compounding vs. day/swing trading (catch the wave style)? Is there any online calculator to calcu...
by PFInterest
Thu May 24, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Decision points on new Iphone
Replies: 19
Views: 975

Re: Decision points on new Iphone

Decided to spring for an IPhone 7 or 8 (not interested in X) to upgrade an old (gulp) 4 that's still working but has limited update and app capability. A friend stated that a newer version takes better advantage of the depreciation cycle and support but I'm wondering what is the ROI logic behind th...
by PFInterest
Thu May 24, 2018 8:50 am
Forum: Investing - Help with Personal Investments
Topic: Selling Rental House, Completely Lost on How to Invest
Replies: 7
Views: 686

Re: Selling Rental House, Completely Lost on How to Invest

You left out the most important one: Vanguard. You need a plan. Read the wiki, look at asking portfolio question post. And most importantly get out of EJ. Get out of EJ, check. I'm surprised by how many consistently state this elsewhere. I guess I made a mistake in investing with them :(. Yes you d...
by PFInterest
Wed May 23, 2018 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Rental House, Completely Lost on How to Invest
Replies: 7
Views: 686

Re: Selling Rental House, Completely Lost on How to Invest

You left out the most important one: Vanguard.
You need a plan.
Read the wiki, look at asking portfolio question post.

And most importantly get out of EJ.
by PFInterest
Wed May 23, 2018 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Funding Roth IRA with with lump sum or DCA?
Replies: 5
Views: 351

Re: Funding Roth IRA with with lump sum or DCA?

I have a money market account I have been using to save for a house, however my housing plans have changed. Also in this account I have over sox months emergency fund which I am not going to touch. So I have excess money that I would like to use to max it my Roth. Should I go ahead and do this all ...
by PFInterest
Tue May 22, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: All else aside - General Allocation Thoughts
Replies: 9
Views: 664

Re: All else aside - General Allocation Thoughts

Putting all else aside, and just looking at a basic allocation with a Stock to Bond ratio of 80/20, how would you break up the following 80%? Large Cap Small Cap Int'l REIT CURRENTLY at:............CONSIDERING: Large Cap 30%.................25 Small Cap 20%.................20 Int'l 20%................
by PFInterest
Tue May 22, 2018 10:23 am
Forum: Personal Consumer Issues
Topic: Older iPhone text msgs disappear
Replies: 25
Views: 1069

Re: Older iPhone text msgs disappear

Thanks so much for all of these suggestions. I'll have to ask DH about a few of these things. Perhaps he IS the Gremlin after all :D I know he's checked and re-checked the iPhone, *and* at least about the "lack of any notification" [but before we noticed about the "ding" with 2nd and subsequent arr...
by PFInterest
Tue May 22, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: 401K Reallocation
Replies: 4
Views: 262

Re: 401K Reallocation

-- please list all the options, tickers, and their ER. otherwise no one knows what they are.
-- what is the stable value currently paying?
-- what is your overall AA? why does risk mitigation matter so much for a 20 year time frame?
by PFInterest
Tue May 22, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolio
Replies: 18
Views: 1469

Re: Schwab Intelligent Portfolio

-- i wouldn't like the cash drag -- 20 funds is way too much when you can get the same thing for 3. 5% lots wont move the needle much. -- re-balancing is easy between 3 funds. given enough spread-sheeting, its still easy at 20 funds --you are literally re-balancing every time you buy so dont worry t...
by PFInterest
Tue May 22, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Saving for a new baby
Replies: 6
Views: 619

Re: Saving for a new baby

529 first
taxable second
UTMA (just remember it becomes theirs at 18)
by PFInterest
Tue May 22, 2018 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Savings ear marked for Roth IRA. Bad idea?
Replies: 6
Views: 344

Re: Savings ear marked for Roth IRA. Bad idea?

why cant you cash flow this?
i would invest it in taxable. harvest losses once the time comes if possible. otherwise save up another 11K to dump in through the year.
why dont you pull from your EF to fund them Jan 1, then build it back up.
by PFInterest
Tue May 22, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Principal Global Real Estate Securities (POSIX)
Replies: 2
Views: 157

Re: Principal Global Real Estate Securities (POSIX)

i would dump it and move REITs to my IRA.
by PFInterest
Tue May 22, 2018 9:35 am
Forum: Investing - Theory, News & General
Topic: New Trend: Bonds in Roth IRA
Replies: 14
Views: 1924

New Trend: Bonds in Roth IRA

A handful of past portfolios this week all have some allocation of fixed income in their Roth IRA. They all had plenty of space in 401k/403b/457 to hold their desired fixed income. Is there some new FI post or blog touting this? I dont know why I keep seeing this, maybe I'm reading too much into it....
by PFInterest
Tue May 22, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio help
Replies: 7
Views: 550

Re: Portfolio help

Questions: 1. I feel ok doing it, but should I even be maxing my 401k with the high ER? I think we are going to try and change it to a lower cost option or add better choices so that makes me feel better. 2. Does this allocation make sense across our accounts? I tried to keep everything as simple a...
by PFInterest
Tue May 22, 2018 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard iPad App
Replies: 7
Views: 955

Re: Vanguard iPad App

Is anyone seeing the same issue as me? The Vanguard iPad app home page has a video entitled "The role of bonds in today's interest rate environment." This title hasn't been changed in many, many months. You would think Vanguard would want to rotate video subjects on the home page. Also, when you cl...
by PFInterest
Sun May 20, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need help firing my financial advisor
Replies: 16
Views: 2211

Re: Need help firing my financial advisor

call vanguard or fidelity and see if possible.
i would just sell and move. call it your tuition for learning.
by PFInterest
Sun May 20, 2018 9:52 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 49
Views: 2476

Re: Wifi + wired device

I'm seriously not understanding the issue here. Usb wifi is what, $5? Just try it. Not the ones I looked at. https://www.amazon.com/TP-Link-TL-WN725N-wireless-network-Adapter/dp/B008IFXQFU/ref=sr_1_1?s=electronics&ie=UTF8&qid=1526871025&sr=1-1&keywords=tplink+wifi get that one but your original ide...
by PFInterest
Sun May 20, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me rationalise this 401k investment choice
Replies: 23
Views: 1257

Re: Please help me rationalise this 401k investment choice

Thanks for responding ! There are some funds that seem to have better performance than the typical Boglehead Index fund, BUT once you calculate the added fees COMPOUNDED, the performance is below the Index funds. I looked at 5 year, 10 year and Since inception. Did I miss something? So, let's take ...
by PFInterest
Sun May 20, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: How long to hold 80/20 asset allocation
Replies: 58
Views: 8448

Re: How long to hold 80/20 asset allocation

Im reigniting this in lieu of all the volatility the past few months. I’m a 1980’s born millennial that didn’t experience the 2008 crash. I’m still at an 80/20 allocation and I know that the approximate 10% correction the past few months was nothing compared to 2008 or 2001 or 1987. I keep seeing 1...
by PFInterest
Sun May 20, 2018 9:04 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 96
Views: 9889

Re: done with Gmail

gmail is literally the best personal email client. if you are looking for something business oriented, then sure maybe theres something better. i dont know what you mean about recover. i can literally search for my oldest email from a decade ago in a few seconds, a little more if you add my DNS ping.
by PFInterest
Sun May 20, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a phrase for that?
Replies: 14
Views: 1113

Re: Is there a phrase for that?

Hi, Imagine a plan that involves saving 20x or 25x of annual spend that one will start drawing down at age 60ish. Say that corpus is achieved at age N (where N < 60). Between N and 60 ages the plan would be to make enough to live at cost price (no need to save but also not touch the corpus). This i...
by PFInterest
Sun May 20, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA
Replies: 30
Views: 1581

Re: Need Help Deciding Between Non-Matching 403(b) and a Roth IRA

Can’t say enough bad things about AXA. They are vultures preying on our school teachers who work hard for their money and don’t deserve to be scammed. Thank goodness you have the knowledge to stay away. For other teachers out there who are not as fortunate to have Vangaurd or Fidelity, look into Se...
by PFInterest
Sun May 20, 2018 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: New retirement plan asset allocation
Replies: 4
Views: 492

Re: New retirement plan asset allocation

get the FI out of the riRA space and taxable.
use munis in taxable.
put the rest of the FI in 401k.

intl bonds im still meh about, wouldnt pick them if i didnt have to.
i also personally wouldnt pay the higher cost of DFA, but it is unique you dont need the adviser to get them.
by PFInterest
Sun May 20, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Core Four questions
Replies: 13
Views: 1415

Re: Rick Ferri Core Four questions

so you built a portfolio based on some guidelines and now you want to change the guidelines to build a different portfolio.

otherwise, direct new money and dividends to rebalance, sell things for a loss that you can.

otherwise i would try and avoid taxes to rebalance.
by PFInterest
Sun May 20, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocation vs. taxable gains
Replies: 6
Views: 403

Re: Reallocation vs. taxable gains

redirect all dividends to the funds you want.
you are already using new money to balance what you can.
sell for a loss once the next correction happens but otherwise unless you are 10:90 looking to go 90:10, i would not pay taxes to rebalance.
by PFInterest
Sun May 20, 2018 3:53 pm
Forum: Investing - Theory, News & General
Topic: Good read on why to keep a simple indexed fund portfolio
Replies: 11
Views: 2175

Re: Good read on why to keep a simple indexed fund portfolio

I stopped at this sentence:
"In some respects, it has never been more difficult to be an investor."
by PFInterest
Sun May 20, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 35
Views: 2479

Re: Tesla Autopilot, worth it?

yes get it.
but if you dont even have your deposit in......
by PFInterest
Sun May 20, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Life Changes
Replies: 23
Views: 2416

Re: Life Changes

it does not sound like my cup of tea, but best of luck!
by PFInterest
Sun May 20, 2018 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 8
Views: 907

Re: Portfolio review

-- the G fund in the TSP is one of the few free lunches. many ppl here comfortable with using as the only or most of their FI. -- since that is ~17% of your portfolio, and your desired FI is 25%, you just need to pick 8% in either her 401k or your 401k. as duckie said look at the ER again but maybe ...
by PFInterest
Sun May 20, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Wifi + wired device
Replies: 49
Views: 2476

Re: Wifi + wired device

yes it will work. depends most heavily on the connection you will get daisy chained through the house from the router to the extender. if easy or short, could also consider just a long ethernet cable. can also ask the cable company to add extra coax cable to re-position the modem somewhere closer to...
by PFInterest
Sun May 20, 2018 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Wife Retiring hesitant to roll-over funds to Vanguard
Replies: 36
Views: 2501

Re: Wife Retiring hesitant to roll-over funds to Vanguard

Wife maybe retiring soon. She's hesitant to roll-over her funds to Vanguard, as I have my funds there and she's worried about all eggs in one place. We reviewed the performance of her funds, with the company plan and they clearly underperformed the Vanguard funds over past 10 years. Suggested she l...
by PFInterest
Sun May 20, 2018 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Allocation and reaching retirement goal yrs before retirement
Replies: 4
Views: 388

Re: Allocation and reaching retirement goal yrs before retirement

50:50 is fine. Really anything reasonable. Can argue you need to be a smidge more aggressive if you are planing fire for 40+ years.
by PFInterest
Sat May 19, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Finance a $28,000 house for Brother?
Replies: 73
Views: 5140

Re: Finance a $28,000 house for Brother?

Where does one find a 28K house??
That's property tax out here in CA.
by PFInterest
Sat May 19, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Why diversify 401k
Replies: 14
Views: 986

Re: Why diversify 401k

Hi Bogleheads, First post here... Question is why should i diversify my 401k given my fund choices below when one fund - T. Rowe Price Large Cap (currently 100%) is clearly outperforming others even with higher fees... I'm 29, maxing out my 401k contributions, and do not need the funds in the near ...
by PFInterest
Sat May 19, 2018 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: SWPPX vs Vanguard Institutional 500 Index TRUST
Replies: 6
Views: 447

Re: SWPPX vs Vanguard Institutional 500 Index TRUST

the dividend gets reinvested in the fund. it literally is no different.
by PFInterest
Sat May 19, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help - 401(k), Roth, and Other Decisions
Replies: 3
Views: 183

Re: Portfolio Help - 401(k), Roth, and Other Decisions

Age: 31 Family: Single, 0 dependents Debt: $75k (thank you, grad school) Marginal Tax Rate: 35% --"you're welcome" ~grad school Desired AA: 80/20 Cash: $31.5k --what is this for? investing? house? emergency fund? Current Portfolio Individual Brokerage Vanguard Total Stock Market Index Admiral (VTSA...
by PFInterest
Sat May 19, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review
Replies: 8
Views: 907

Re: Portfolio review

Emergency funds: 6 months of expenses = $16,101 in savings that pays 1.55% APY --you spend 2K on CC, and 2K on mortgage/month. this isnt 6mo just fyi. Debt: Home Mortgage, Remaining = $356,000 @ 4.0% (fixed 30 year) Monthly mortgage payment = $2373.62 (includes property tax & mortgage insurance), e...
by PFInterest
Sat May 19, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: What are downsides of ESPP @ 15% discount ?
Replies: 41
Views: 2697

Re: What are downsides of ESPP @ 15% discount ?

its just cost to sell if any.
and STCG rate
but otherwise if you can sell immediately and put into an otherwise indexed taxable account I would do it for 15% off.
by PFInterest
Fri May 18, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Moving to Texas - [Request for clothes, car window tint] recommendations
Replies: 42
Views: 2892

Re: Moving to Texas - [Request for clothes, car window tint] recommendations

Hello, Bogleheads. I am a long-time lurker, and recently decided to create an account. Along with the investing advice and education, I really enjoy some of the product recommendations and reviews as well - cars, airlines, shoes, mattresses... everything. This post is in that category. I'm a 29-yea...
by PFInterest
Fri May 18, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Quadcopter Drone anybody? - for beginner
Replies: 15
Views: 1046

Re: Quadcopter Drone anybody? - for beginner

Anything DJI. Will cost more though.
by PFInterest
Fri May 18, 2018 2:24 pm
Forum: Personal Consumer Issues
Topic: vitamins and supplements
Replies: 11
Views: 836

Re: vitamins and supplements

Anyone have any recommendations on supplements for someone in their early 30s? I got some special discounts for Puritans Pride and stocking up. Currently my wife and I have been taking: multi-vitamin fish oil cinnamon turmeric garlic grape seed extract thanks There are no guidelines or recommendati...
by PFInterest
Thu May 17, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 26
Views: 3119

Re: more rotten service from Vanguard

Used the voice identification system and when I got the rep she claimed I had to go through the system again; this is the second time there alleged system designed to speed things up hasn't worked do you know that if you ACH money from Vanguard to your bank it's available once the funds hit your ba...
by PFInterest
Thu May 17, 2018 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Build up Comments?
Replies: 3
Views: 359

Re: Portfolio Build up Comments?

Just as a background: No debt. $3,000 in CD's with Marcus by Goldman Sachs, everything else is in the savings account at the moment I have finally decided what to do with the cash sitting in my savings account: I am going to max mine and my wife's Roth IRA for this year (2018) - $11,000 I have rema...