Search found 2659 matches
- Mon Nov 26, 2018 8:13 am
- Forum: Personal Investments
- Topic: Emergency Fund options as prior CD's mature?
- Replies: 2
- Views: 499
- Mon Nov 26, 2018 7:41 am
- Forum: Personal Consumer Issues
- Topic: Robot Vacuum Cleaner?
- Replies: 62
- Views: 6745
- Mon Nov 26, 2018 6:01 am
- Forum: Personal Investments
- Topic: Quicken vs Fidelity IRA - cost basis wrong
- Replies: 7
- Views: 1036
Re: Quicken vs Fidelity IRA - cost basis wrong
You may have not correctly input the data in quicken...
- Mon Nov 26, 2018 6:00 am
- Forum: Personal Investments
- Topic: 457B Questions
- Replies: 3
- Views: 521
Re: 457B Questions
I don't think so...
- Sun Nov 25, 2018 10:00 pm
- Forum: Personal Finance (Not Investing)
- Topic: Borrowers Are Tapping Their Homes for Cash, Even as Rates Rise
- Replies: 14
- Views: 2864
Re: Borrowers Are Tapping Their Homes for Cash, Even as Rates Rise
Ppl will spend no matter what.
And just because rates are rising doesn't mean they are high.....
And just because rates are rising doesn't mean they are high.....
- Sun Nov 25, 2018 9:59 pm
- Forum: Personal Investments
- Topic: 401k and IRA withdrawal options for nonresidents
- Replies: 1
- Views: 320
Re: 401k and IRA withdrawal options for nonresidents
Don't think so. You don't live there. Would be no different than moving to FL for example.
- Sun Nov 25, 2018 9:57 pm
- Forum: Personal Investments
- Topic: Schwab Intelligent Portfolio (IP) or Three-fund in Retirement?
- Replies: 10
- Views: 1941
Re: Schwab Intelligent Portfolio (IP) or Three-fund in Retirement?
3 find is for everyone: accumulation and otherwise
Multiply total US return by 40% add to total intl etcetcetc
Multiply total US return by 40% add to total intl etcetcetc
- Sun Nov 25, 2018 9:54 pm
- Forum: Personal Investments
- Topic: 401k/taxable dilemma
- Replies: 27
- Views: 2776
Re: 401k/taxable dilemma
If she is W2, how are you going to open a solo 401k?
- Sun Nov 25, 2018 4:41 pm
- Forum: Personal Investments
- Topic: 457--iShares S&P500 (.36) or Vanguard Mid Cap (.05)
- Replies: 9
- Views: 802
Re: 457--iShares S&P500 (.36) or Vanguard Mid Cap (.05)
meh. for 7x the cost, you cant find large cap anywhere else?
- Sun Nov 25, 2018 11:37 am
- Forum: Personal Consumer Issues
- Topic: Upgrade Canon 60D to FF or new iPhone?
- Replies: 50
- Views: 3949
Re: Upgrade Canon 60D to FF or new iPhone?
maybe some new lenses would be a better investment?ThankYouJack wrote: ↑Sun Nov 25, 2018 11:27 am She has shot weddings, real estate and portraits for money.
But it is more of a want than a must have. I was thinking it would make a nice Christmas gift but not sure it’s worth upgrading for reasons I stated
- Sun Nov 25, 2018 11:17 am
- Forum: Personal Consumer Issues
- Topic: Upgrade Canon 60D to FF or new iPhone?
- Replies: 50
- Views: 3949
Re: Upgrade Canon 60D to FF or new iPhone?
the question is: why?
does she make money? does she use consistently? is this a step towards some production based work?
or just because she doesnt have it?
does she make money? does she use consistently? is this a step towards some production based work?
or just because she doesnt have it?
- Sun Nov 25, 2018 8:23 am
- Forum: Personal Investments
- Topic: Prioritizing investments question
- Replies: 5
- Views: 663
Re: Prioritizing investments question
if she is self employed (ie 1099) you can open a solo 401k. yes trad.
yes, you can always backdoor a Roth if you are worried about going over.
- Sun Nov 25, 2018 8:11 am
- Forum: Personal Investments
- Topic: Prioritizing investments question
- Replies: 5
- Views: 663
Re: Prioritizing investments question
max both 401ks
learn about backdoor rIRA.
max both rIRAs.
thats your priority list.
learn about backdoor rIRA.
max both rIRAs.
thats your priority list.
- Sat Nov 24, 2018 9:35 pm
- Forum: Investing - Theory, News & General
- Topic: Roth 403B versus Traditional 403B
- Replies: 22
- Views: 1780
Re: Roth 403B versus Traditional 403B
No question trad.
Are you not doing rIRAs?
Are you not doing rIRAs?
- Sat Nov 24, 2018 2:19 pm
- Forum: Personal Investments
- Topic: Almost 3 years since last checkup - 2018 portfolio review!
- Replies: 6
- Views: 1701
Re: Almost 3 years since last checkup - 2018 portfolio review!
Yup. Add to taxable.
- Sat Nov 24, 2018 2:17 pm
- Forum: Investing - Theory, News & General
- Topic: What is your allocation to U.S. and International?
- Replies: 241
- Views: 34479
Re: What is your allocation to U.S. and International?
This will not further the debate.
I am X US and Y Intl.
X might = Y
I am X US and Y Intl.
X might = Y
- Sat Nov 24, 2018 1:12 pm
- Forum: Personal Investments
- Topic: Understanding my Roth and IRA Contributions
- Replies: 8
- Views: 1134
Re: Understanding my Roth and IRA Contributions
vanguard doesnt care. the tax code allowed you to convert a tIRA to a rIRA at any income.
its called the backdoor rIRA. you can read the hundreds of posts about it.
then youll see the problem you have assuming you are at a high enough income to need a backdoor rIRA.
- Fri Nov 23, 2018 10:05 pm
- Forum: Personal Consumer Issues
- Topic: How many vacations per year is optimal?
- Replies: 53
- Views: 6375
- Fri Nov 23, 2018 10:02 pm
- Forum: Personal Investments
- Topic: Mutual Fund Generated Income
- Replies: 5
- Views: 916
Re: Mutual Fund Generated Income
We'll look at the dividend. Its like 1.8% and like 99% qualified.
There's your answer.
There's your answer.
- Fri Nov 23, 2018 9:29 pm
- Forum: Investing - Theory, News & General
- Topic: TLH Partners: Benchmark vs. Underlying Index
- Replies: 4
- Views: 631
- Fri Nov 23, 2018 8:19 pm
- Forum: Investing - Theory, News & General
- Topic: Too Complicated
- Replies: 12
- Views: 3151
Re: Too Complicated
is this just a statement?
- Fri Nov 23, 2018 6:58 pm
- Forum: Personal Consumer Issues
- Topic: New TV Recommendations Please?
- Replies: 80
- Views: 7675
- Fri Nov 23, 2018 6:18 pm
- Forum: Personal Investments
- Topic: Withdraw $6.94 from tIRA & pay penalty?
- Replies: 4
- Views: 1125
Re: Withdraw $6.94 from tIRA & pay penalty?
Or convert it next year.
- Fri Nov 23, 2018 2:52 pm
- Forum: Personal Finance (Not Investing)
- Topic: Mike Piper's Social Security Made Simple, oblivious investor blog and open social security mentioned on cnbc today
- Replies: 8
- Views: 2722
Re: Mike Piper's Social Security Made Simple, oblivious investor blog and open social security mentioned on cnbc today
thats awesome.
mikes stuff is legit.
mikes stuff is legit.
- Fri Nov 23, 2018 2:43 pm
- Forum: Personal Finance (Not Investing)
- Topic: Insurance - advice on switching
- Replies: 1
- Views: 458
Re: Insurance - advice on switching
look online, call.
loyalty doesn't pay.
loyalty doesn't pay.
- Fri Nov 23, 2018 2:31 pm
- Forum: Personal Investments
- Topic: Help Setting up Taxable 3 Fund Portfolio
- Replies: 11
- Views: 1662
Re: Help Setting up Taxable 3 Fund Portfolio
So you would increase bonds in 401k to 100%? There is some controversy over where to allocate bonds, which is why I settled on a matching bond allocation in both 401k and taxable. Having all bonds in 401k means missing out on some compounding growth when you’re almost certainly not touching that until retirement (low tax bracket). Also there the matter of max drawdown in taxable if you need to access funds, plus the ability to directly reallocate bonds->stocks in taxable in a market recession. yes. no reason to recreate portfolio across different accounts. total portfolio return matters more. remember, the 401k is a loan to the govt. this persons projected NW wont put them in a lower bracket possibly. this is for retirement. there should b...
- Fri Nov 23, 2018 2:21 pm
- Forum: Personal Investments
- Topic: Understanding Portfolio Return
- Replies: 8
- Views: 1632
Re: Understanding Portfolio Return
you mean XIRR?
- Fri Nov 23, 2018 2:20 pm
- Forum: Personal Investments
- Topic: Help Setting up Taxable 3 Fund Portfolio
- Replies: 11
- Views: 1662
Re: Help Setting up Taxable 3 Fund Portfolio
401k is 18.5 this year, 19K next year.
you probably shouldnt be doing Roth yet.
buying weekly is annoying to me. i think monthly is easier for TLH purposes.
all you need to do is buy total US/INTL, increase bonds in 401k.
once thats full then add munis, ibonds.
continue indefinitely.
you probably shouldnt be doing Roth yet.
buying weekly is annoying to me. i think monthly is easier for TLH purposes.
all you need to do is buy total US/INTL, increase bonds in 401k.
once thats full then add munis, ibonds.
continue indefinitely.
- Fri Nov 23, 2018 2:17 pm
- Forum: Personal Investments
- Topic: Roth vs IRA 3 fund Portfolio's percentages
- Replies: 4
- Views: 501
Re: Roth vs IRA 3 fund Portfolio's percentages
you probably are.
why not start with 60:40 and go from there.
you have an avg of 20 years to go, still plenty of time to weather a few more ups/downs.
but none of this is new. youve literally lived through this before. this is not different.
why not start with 60:40 and go from there.
you have an avg of 20 years to go, still plenty of time to weather a few more ups/downs.
but none of this is new. youve literally lived through this before. this is not different.
- Fri Nov 23, 2018 2:15 pm
- Forum: Personal Investments
- Topic: Dealing with Reality
- Replies: 20
- Views: 4121
Re: Dealing with Reality
divide by 12.
or 18
or 6
and get to work.
or 18
or 6
and get to work.
- Fri Nov 23, 2018 2:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
- Replies: 314
- Views: 44803
Re: H&R Block deluxe $18 at Amazon
duplicate
- Fri Nov 23, 2018 2:05 pm
- Forum: Personal Investments
- Topic: Am I in the correct bond fund?
- Replies: 3
- Views: 841
Re: Am I in the correct bond fund?
That's fine.
You should fill up your 401k first with fixed income.
Also ibonds.
You should fill up your 401k first with fixed income.
Also ibonds.
- Fri Nov 23, 2018 11:56 am
- Forum: Personal Investments
- Topic: 457b private risk/reward
- Replies: 10
- Views: 1078
Re: 457b private risk/reward
what are the distribution options with the 457?
- Fri Nov 23, 2018 11:16 am
- Forum: Personal Finance (Not Investing)
- Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
- Replies: 314
- Views: 44803
Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
18 on Amazon.... get it!
- Fri Nov 23, 2018 10:53 am
- Forum: Investing - Theory, News & General
- Topic: VG site: I wish it were easier to see all conversions
- Replies: 9
- Views: 1238
Re: VG site: I wish it were easier to see all conversions
How many conversions are you doing?
- Fri Nov 23, 2018 10:51 am
- Forum: Personal Investments
- Topic: Will cap gain and dividend count as wash sale?
- Replies: 5
- Views: 530
Re: Will cap gain and dividend count as wash sale?
Yes you shouldn't reinvest.
- Fri Nov 23, 2018 9:14 am
- Forum: Personal Consumer Issues
- Topic: Anything I should be wary of when buying cell phone from app?
- Replies: 8
- Views: 713
Re: Anything I should be weary of when buying cell phone from app?
same as with buying anything
its fake, doesnt work, stolen, etc etc etc
its fake, doesnt work, stolen, etc etc etc
- Fri Nov 23, 2018 8:34 am
- Forum: Personal Finance (Not Investing)
- Topic: The psychology of withdrawing from your portfolio
- Replies: 58
- Views: 7495
Re: The psychology of withdrawing from your portfolio
of course its difficult, especially for the great savers.sixtyforty wrote: ↑Mon Nov 19, 2018 10:20 am We spend years saving and investing. This is counter to the thought of withdrawing a % from your portfolio when one retires. For those that have been retired, was it difficult mentally to start withdrawing from your portfolio ? How did you overcome it ?
my parents had no choice, they needed money!
- Fri Nov 23, 2018 8:33 am
- Forum: Personal Consumer Issues
- Topic: water drips from bathroom vent
- Replies: 10
- Views: 1403
Re: water drips from bathroom vent
take apart the vent or get above into the attic/crawl space would be first step. no other pipes running there?
- Fri Nov 23, 2018 8:22 am
- Forum: Personal Investments
- Topic: Bulk of "cash" in SWNTX Schwab Tax Free Bond Fund
- Replies: 1
- Views: 812
Re: Bulk of "cash" in SWNTX Schwab Tax Free Bond Fund
assuming your tax bracket is appropriate for munis, i dont see a need to change anything.
VWIUX is the gold standard imo.
VWIUX is the gold standard imo.
- Fri Nov 23, 2018 8:21 am
- Forum: Personal Investments
- Topic: HSA contribution limit after changing jobs mid year
- Replies: 7
- Views: 726
Re: HSA contribution limit after changing jobs mid year
you should be able to max it out.
- Fri Nov 23, 2018 8:19 am
- Forum: Personal Finance (Not Investing)
- Topic: New account name-DW wants to use different name
- Replies: 12
- Views: 1344
Re: New account name-DW wants to use different name
no one will care. my spouse moves money from my name to theirs all the time and no one notices.....
once the accounts are linked, it moves.
i would close the BofA account (dislike heavily).
sounds like shes getting ready to move on...../s
once the accounts are linked, it moves.
i would close the BofA account (dislike heavily).
sounds like shes getting ready to move on...../s
- Thu Nov 22, 2018 8:15 pm
- Forum: Investing - Theory, News & General
- Topic: A lot of us expected a US stock "pull back" is this it?
- Replies: 61
- Views: 9879
Re: A lot of us expected a US stock "pull back" is this it?
total US is still positive for the year.....so no....not even close....like at all.TheBogleWay wrote: ↑Thu Nov 22, 2018 5:13 am I still consider myself a new-ish investor, been doing it ~7-8 years.
Majority of stock is in the US total stock market. Down a pretty decent amount the last few months.
Is this the pull back? Because this doesn't feel that bad at all. Lol. (knock on wood)
Also, yes I'm aware this is somewhat of a crystal ball question but asking your for your gut feeling on the state of the US market.
- Thu Nov 22, 2018 2:53 pm
- Forum: Personal Investments
- Topic: Pay cash for the new car or finance (and what to invest with the cash)?
- Replies: 32
- Views: 3519
Re: Pay cash for the new car or finance (and what to invest with the cash)?
i can get 2.45% right now, keep shopping
- Thu Nov 22, 2018 2:44 pm
- Forum: Investing - Theory, News & General
- Topic: Black Friday Sale on VTSAX [Vanguard Total Stock Market]
- Replies: 7
- Views: 3511
Re: Black Friday Sale on VTSAX [Vanguard Total Stock Market]
good heads up.
my next TLH date is beg of dec. lets see if it holds.
my next TLH date is beg of dec. lets see if it holds.
- Thu Nov 22, 2018 2:43 pm
- Forum: Investing - Theory, News & General
- Topic: "Morningstar's 2018 Year-End Tax Guide"
- Replies: 1
- Views: 829
Re: "Morningstar's 2018 Year-End Tax Guide"
happy thanksgiving from miami Mr. Larimore.
- Thu Nov 22, 2018 2:43 pm
- Forum: Personal Investments
- Topic: Draft Portfolio Check - From 34 down to 8 funds
- Replies: 6
- Views: 1041
Re: Draft Portfolio Check - From 34 down to 8 funds
i wouldnt worry about the TIPS/short term bonds. you are 80% stock, so thats plenty of inflation protection.
you dont need those other two funds in your SEP (you know which ones).
also why tilt separate SCG and SCV? unnecessary again.
you dont need those other two funds in your SEP (you know which ones).
also why tilt separate SCG and SCV? unnecessary again.
- Thu Nov 22, 2018 2:41 pm
- Forum: Personal Investments
- Topic: Thoughts on allocation strategy
- Replies: 1
- Views: 465
Re: Thoughts on allocation strategy
if the money isnt for retirement, then it needs a different asset allocation.
- Thu Nov 22, 2018 2:38 pm
- Forum: Investing - Theory, News & General
- Topic: OptionSellers.com FAQ “Have I lost all the money in my account, then?” “Yes.” You also have a negative balance
- Replies: 23
- Views: 3788
Re: OptionSellers.com FAQ “Have I lost all the money in my account, then?” “Yes.” You also have a negative balance
yup, its amazing how people dont understand math.
- Thu Nov 22, 2018 2:36 pm
- Forum: Investing - Theory, News & General
- Topic: What to do when you have Less than 100K ? say just 50k
- Replies: 36
- Views: 4922
Re: What to do when you have Less than 100K ? say just 50k
I have the unfortunate position of being in my 30s and having saved up only 50 due to some stupid financial decisions including day trading etc, but i m wiser now. My question is that since i am at 50k, being in a portfolio with a "buffer" with bonds / commodities doesn't make sense to me because a % losing at this point isnt a big at low level of cash, it would hurt more when i have more than 100K. so does that mean , until i reach 100K, is it wiser to put my money into a single stock say " MSFT" or ADBE or into the S&P or QQQ until i have at least doubled my money , and then switch over to a portfolio theory based investment model ? what are your thoughts on this strategy where i divide it between <100k and >100k ...