Search found 31 matches

by RetireSomeday5
Tue Oct 24, 2017 8:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 261
Views: 42867

Re: South Florida Local Chapter

Hopefully I'm in town! :D
by RetireSomeday5
Mon Oct 09, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: WiFi [extender]
Replies: 56
Views: 4564

Re: WiFi

I've been pretty happy with TP Link Dual Band with beamforming--very strong signal. Recommend setting it up to only broadcast 2.4ghz with the 5ghz directly connected to the router (easy to do and allows for speeds to not be cut in half like traditional set ups). Use the same SSID as your main router...
by RetireSomeday5
Fri Sep 22, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: RSU question/thoughts?
Replies: 7
Views: 580

Re: RSU question/thoughts?

When you say "6000" per quarter is this the number of RSUs or dollar value at current market? If number of RSUs its hard to gauge. If the share price is only $1 per share I'd probably wait and sell all at once but if the share price is $100 I'd not want to risk loss and the $20 transaction fee is p...
by RetireSomeday5
Fri Sep 22, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: RSU question/thoughts?
Replies: 7
Views: 580

RSU question/thoughts?

I know the common wisdom is to sell RSU's when you get them as "why would you hold if you wouldn't buy otherwise". I currently get about $6,000 a quarter before taxes approx $4k after tax. Knowing that this is per quarter and theres a 20 dollar fee to make a trade on them would you wait and make say...
by RetireSomeday5
Mon Aug 07, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 49
Views: 4284

Re: Bose Noise Cancelling Headphones

Bose used to be king, Sony's new ones are actually a little better. Go to Best Buy and compare for yourself and you'll see. The sony 100abn was a step in the right direction but the new 1000MDX are just flat out better at noise cancelling. Bose still wins on having the app for managing connectoins t...
by RetireSomeday5
Mon Jul 10, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Possible Job Relocating - Sell or Rent Current House
Replies: 3
Views: 275

Re: Possible Job Relocating - Sell or Rent Current House

If they are covering property management fees and you have interest in moving back in if you should move back you could definitely rent it out. Just make sure you choose a good management company, or you are at least involved in choosing tenants (credit score req's etc.). If your timeframe changes a...
by RetireSomeday5
Sun Jul 09, 2017 9:17 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 261
Views: 42867

Re: South Florida Local Chapter

I'm moving back home to Fort Lauderdale (born and raised) and plan to be arriving sometime that weekend. If I'm down in time I'll try to attend. Otherwise I look forward to the next meeting. :D
by RetireSomeday5
Wed Jun 28, 2017 7:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 139
Views: 19180

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

Still not seeing the money market fund advantage? Using a 3 tier system, 1st tier is trad checking, 2nd tier is high yield savings (currently greater than money market) and 3rd tier savings is in a stable value fund, at about 1.8% currently.

Is there something I'm missing?
by RetireSomeday5
Fri Jun 23, 2017 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings vs No Penalty CD
Replies: 22
Views: 3088

Online Savings vs No Penalty CD

I've been using Discover online savings for awhile now with now issues. However, I've been pondering the Ally no-penalty cd's. With the no penalty cd there is a 6 day waiting period before you can break it but other than that I don't really see a difference. Is there much of a difference otherwise? ...
by RetireSomeday5
Sat Apr 29, 2017 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Chubb Umbrella / Liability Insurance price increasing 3.3% each year (employer offered)
Replies: 3
Views: 375

Re: Chubb Umbrella / Liability Insurance price increasing 3.3% each year (employer offered)

Chubb is a solid brand, though many others are solid as well. Umbrella is not a product that I would blindly choose based on lowest price, so go with someone you recognize and trust based on capitalization/financial ratings etc. For the most part if you know the name you'd be fine. As for the price ...
by RetireSomeday5
Sat Apr 15, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Savings for a 1st/3rd House
Replies: 1
Views: 425

Savings for a 1st/3rd House

So I own two houses. Both are rented and I rent in another state. I'm saving for a house to buy to live in-(not sure which state it'll be in/if I'll move again) Time horizon 1-3 years. I max out 401k and IRA. Efund is sufficient at 1/3 checking 1/3 high yield savings 1/3 stable value fund. Theres ab...
by RetireSomeday5
Fri Mar 24, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: So someone drained $13k from my checking account...
Replies: 144
Views: 23645

Re: So someone drained $13k from my checking account...

This happened to me about a year ago. It was also USAA that was attached. When the bank looked into it there was even a persons name attached to the transaction. I did some google research and apparently others have had USAA attached to withdrawals as well. The bank never did explain what happened, ...
by RetireSomeday5
Sat Mar 18, 2017 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Options
Replies: 4
Views: 677

Re: Emergency Fund Investment Options

I'm open to other options via IRA s but I thought employers options might be best??? (better options with no minimums)) Have you checked to see under what circumstances you can withdraw funds from your account, and if there are penalties? I've read that with some emergencies, there are no penalties...
by RetireSomeday5
Fri Mar 17, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Options
Replies: 4
Views: 677

Emergency Fund Investment Options

I've decided to start moving some of my emergency fund allocation from online savings to tax sheltered accounts now that I have a fair amount in brokerage that I can tap into if needed. I'd love input on my considerations. Here are my considerations--- ( I'm open to other options via IRA s but I tho...
by RetireSomeday5
Mon Mar 13, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 14
Views: 1555

Re: 401k & Portfolio Allocation

Update: Here is where I have currently landed with my portfolio--- by all means still open to advice: All funds chosen are "low expense ratio" The intent was to have the overall be very similar to my current 401k mix so it mostly self balances: 10% Bonds 27% International Stock 63% US Stoc...
by RetireSomeday5
Thu Feb 23, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 14
Views: 1555

Re: 401k & Portfolio Allocation

I also added a note to the original post about my emergency fund as I'm contemlating options (open to suggestions) for reallocation. Currently its $33K split: 22K in high yield online savings currently (0.95%) 11K in checking account ( money flows in and out of this frequently, i like to maintain a ...
by RetireSomeday5
Thu Feb 23, 2017 9:54 am
Forum: Personal Finance (Not Investing)
Topic: Personal/Business Finance Software
Replies: 0
Views: 231

Personal/Business Finance Software

HI All, So I've been thinking about simplifying my personal finance processes. I looked around the forum but most posts seemed to be a couple years old. Currently I have they typical bank/credit card accounts as well as a couple of rental properties. I currently use PersonalCapital to aggregate ever...
by RetireSomeday5
Wed Feb 22, 2017 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Good time to ditch my target date fund in 457b?
Replies: 15
Views: 1658

Re: Good time to ditch my target date fund in 457b?

The super low expense ratio on the first caught my eye. Indeed, its institutional shares (all 3 are actually)--- $200,000,000 minimum investment. Just FYI. $200,000,000, I'm not sure I understand what that means. I certainly don't have that kind of money. This is a 457b plan in New York State Defer...
by RetireSomeday5
Wed Feb 22, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Good time to ditch my target date fund in 457b?
Replies: 15
Views: 1658

Re: Good time to ditch my target date fund in 457b?

The super low expense ratio on the first caught my eye. Indeed, its institutional shares (all 3 are actually)--- $200,000,000 minimum investment. Just FYI.
by RetireSomeday5
Sun Feb 19, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 14
Views: 1555

Re: 401k & Portfolio Allocation

What are the lowest ER international stock funds offered in the old 401k from former employer A? That's excellent news about very low ER bond and stock index funds in the old 401k from former employer B. That will make it much easier to construct a simple easy to manage portfolio that suits the des...
by RetireSomeday5
Sat Feb 18, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 14
Views: 1555

Re: 401k & Portfolio Allocation

In the old traditional 401k from employer A what are the lowest ER bond funds offered, and what are the lowest ER international stock funds offered? I assume that you are still allowed to exchange funds inside that account. Yes, I can still exchange. Only bond I see listed is Vanguard Total Bond In...
by RetireSomeday5
Sat Feb 18, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 14
Views: 1555

Re: 401k & Portfolio Allocation

In the old traditional 401k from employer A what are the lowest ER bond funds offered, and what are the lowest ER international stock funds offered? I assume that you are still allowed to exchange funds inside that account. Yes, I can still exchange. Only bond I see listed is Vanguard Total Bond In...
by RetireSomeday5
Fri Feb 17, 2017 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 14
Views: 1555

Re: 401k & Portfolio Allocation

Hi Bogles- thought I'd get the internet's eyes/suggestions on my allocation. Largely my current Fidelity 401k investment mix but overall as well. Thanks in advance! Early 30's, single. 28% Tax Bracket (Time to retirement undecided) 2 investment properties worth about about 650K (330 mortgage). Max ...
by RetireSomeday5
Fri Feb 17, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 14
Views: 1555

Re: 401k & Portfolio Allocation

How many Vanguard 401ks do you currently have? What funds and amounts are currently in each of them? 2 old employers, the 67K of 2050 Trust plus is its own and the 22k (comprised of 3 vanguard funds) are another Will any of the old 401ks accept rollovers from other 401ks? (My thought is to simplify...
by RetireSomeday5
Thu Feb 16, 2017 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 14
Views: 1555

Re: 401k & Portfolio Allocation

Answers below in red, I'll also add to the original post--thanks for the help In your early 30s I suggest around 20% in bonds. I suggest in the area of 20 - 30% of stocks in international stocks. That works out to about 20% bonds, 20% international stocks and 60% domestic stocks. In my opinion it wo...
by RetireSomeday5
Thu Feb 16, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 14
Views: 1555

Re: 401k & Portfolio Allocation

Thanks for the thoughts, I really appreciate it! There are no bonds outside of what is in the 2050 target. I don't mind being closer to 100% stocks while I'm younger. The 2050 trustplus is an old employers 401k. They offered 3 options. 1 was a target date fund. 2 companys active stock fund or compan...
by RetireSomeday5
Wed Feb 15, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ 401K Allocations
Replies: 2
Views: 287

Re: Help w/ 401K Allocations

Pretty heavy in international allocation---not a bad thing as long as your okay with volatility.

I'd take the vanguard international since it has less turnover and a lower expense ratio but that's just me.
by RetireSomeday5
Wed Feb 15, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 14
Views: 1555

401k & Portfolio Allocation

Hi Bogles- thought I'd get the internet's eyes/suggestions on my allocation. Largely my current Fidelity 401k investment mix but overall as well. Thanks in advance! Early 30's, single. 28% Tax Bracket (Time to retirement undecided) 2 investment properties worth about about 650K (330 mortgage). Max o...
by RetireSomeday5
Tue Jan 31, 2017 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Backdoor Advice
Replies: 2
Views: 302

Re: Roth Backdoor Advice

Thanks!
by RetireSomeday5
Tue Jan 31, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Roth Backdoor Advice
Replies: 2
Views: 302

Roth Backdoor Advice

Hi all, Been lurking for a year or so now. Finally have a question worth asking. Hopefully someday I'll know enough to help out! Looking at doing a backdoor roth conversion. 2015 was the first year I had any traditional IRA contributions--I made too much that year for Roth for the first time. I have...