Search found 53 matches

by RetireSomeday5
Fri Feb 02, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Relearning Calculus
Replies: 81
Views: 6959

Re: Relearning Calculus

Coursera? Lynda?
by RetireSomeday5
Tue Jan 16, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 2274

Re: pros and cons of target date funds?

The expense ratio (the cost you pay to own a fund) is slightly higher than if you select the same funds yourself and re balance yourself. If you don't have a lot saved up yet, a Target Fund is a good way to get started, once you have maybe say 50K (or significantly more if you don't mind losing a f...
by RetireSomeday5
Tue Jan 16, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: pros and cons of target date funds?
Replies: 21
Views: 2274

Re: pros and cons of target date funds?

The expense ratio (the cost you pay to own a fund) is slightly higher than if you select the same funds yourself and re balance yourself. If you don't have a lot saved up yet, a Target Fund is a good way to get started, once you have maybe say 50K (or significantly more if you don't mind losing a fe...
by RetireSomeday5
Fri Jan 12, 2018 1:21 pm
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 132
Views: 13306

Re: Best 401k Employer Match Structure

The company I work for is San Fran HQ in the tech industry-- I'll assume similar for you based on your competing companies. Oddly we have a 50% match up to 8%. The also don't explicit state a true-up but have offered it each year I've worked for them.
by RetireSomeday5
Fri Jan 12, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 5015

Re: "Emergency Fund" Strategy

You should not be investing if you don't have an adequate emergency fund. Fill up the emergency fund, then turn to investing at whatever allocation fits your ability, need, and willingness to take risk. +1 I don't think anyone on here would disagree. The term "emergency fund" is more aptly, in my o...
by RetireSomeday5
Thu Jan 11, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 5015

Re: "Emergency Fund" Strategy

EF Tier 1 Brick n Mortar or equiv. Incl. Operating expenses to cover a potential rent loss. Tier 2 High Yield accounts (bankrate.com) Tier 3 CD Ladder Generally the purpose of EF is protection of principal and readily available. j :D I agree with Sandtrap, especially the part about readily availabl...
by RetireSomeday5
Thu Jan 11, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 5015

Re: "Emergency Fund" Strategy

EF Tier 1 Brick n Mortar or equiv. Incl. Operating expenses to cover a potential rent loss. Tier 2 High Yield accounts (bankrate.com) Tier 3 CD Ladder Generally the purpose of EF is protection of principal and readily available. j :D I agree with Sandtrap, especially the part about readily availabl...
by RetireSomeday5
Thu Jan 11, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 5015

Re: "Emergency Fund" Strategy

I'll have a dissenting/minority opinion on this one. Having real estate means that you really need to have a strong emergency fund. I'd recommend something like '20K for real estate emergency fund' + 'standard 3-6 months for personal emergency fund'. Big numbers... Because the emergency fund needs ...
by RetireSomeday5
Wed Jan 10, 2018 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 5015

Re: "Emergency Fund" Strategy

I'll have a dissenting/minority opinion on this one. Having real estate means that you really need to have a strong emergency fund. I'd recommend something like '20K for real estate emergency fund' + 'standard 3-6 months for personal emergency fund'. Big numbers... Because the emergency fund needs ...
by RetireSomeday5
Wed Jan 10, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 5015

Re: "Emergency Fund" Strategy

Are you suggesting eliminating the 5K high yield savings for simplicity or for another reason? I just liked the idea of having a few quickly transferable dollars in an account that is FDIC and is also not Vanguard. Your checking account is quickly transferable, FDIC insured, and not Vanguard. In wh...
by RetireSomeday5
Wed Jan 10, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 5015

Re: "Emergency Fund" Strategy

I don't understand what you mean by "Tax Advantaged" accounts for tiers 3 and 4. Most tax advantaged accounts are non-accessible for emergencies. Those holdings could be sold and used to purchase stocks while stocks are simultaneously sold in taxable. Then they would effectively function as emergen...
by RetireSomeday5
Wed Jan 10, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 5015

Re: "Emergency Fund" Strategy

Well ok, first of all, an emergency fund that only accounts for 3.5 months of rental expenses, your own rent, and escrow is probably not enough. Your plan is too complicated for my taste. If you want to use the stable value as part of your "emergency fund/cash needs" which I think is reasonable, th...
by RetireSomeday5
Wed Jan 10, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 5015

Re: "Emergency Fund" Strategy

Anything you do will be fine. But I didn't get your math two rental, $2K, then $6K? My brain is thinking "$4K." If you want to use bond funds for an emergency, sometimes I advise that you have a larger amount. For instance, if you want 10 months of expenses in an emergency fund of bonds, but bonds ...
by RetireSomeday5
Wed Jan 10, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 5015

"Emergency Fund" Strategy

I've been thinking/rethinking my EF strategy a lot lately and wanted to see what people thought. I've looked through the wiki and some of the other threads but didn't really see what I'm looking for. I'm leaning toward the tiered approach opinion, I was thinking 3 tiers but as I was typing this I th...
by RetireSomeday5
Thu Jan 04, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth in 2018. Has anything changed?
Replies: 21
Views: 5760

Re: Backdoor Roth in 2018. Has anything changed?

I haven't seen a consensus yet as to 2018 backdoor mechanics. Since re-characterization is no longer allowed are people planning on waiting until year end with traditional to see how the markets fare and possibly pay tax on an increase or are people planning on converting early? I guess if the expec...
by RetireSomeday5
Tue Jan 02, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: TurboTax Premier 2017 - First year DIY Taxes
Replies: 10
Views: 1596

Re: TurboTax Premier 2017 - First year DIY Taxes

I bought from Costco with no CD drive--- no problem getting the download. You just call up turbotax and 5 minutes later they send a download link. Could also purchase from Amazon if you prefer- they offer a download directly. I just prefer to have the CD as backup + Costco return policy. You mention...
by RetireSomeday5
Wed Dec 27, 2017 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deducting
Replies: 9
Views: 585

Re: TurboTax Deducting

Do you mean deducting the price of tax software on Schedule A as a miscellaneous itemized deduction subject to some large floor above AGI? If so, then one almost never deducts the price of TT unless some bad things have happened in your life. It's totally bogus that they advertise as if everyone de...
by RetireSomeday5
Wed Dec 27, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deducting
Replies: 9
Views: 585

Re: TurboTax Deducting

Do you mean deducting the price of tax software on Schedule A as a miscellaneous itemized deduction subject to some large floor above AGI? If so, then one almost never deducts the price of TT unless some bad things have happened in your life. It's totally bogus that they advertise as if everyone de...
by RetireSomeday5
Wed Dec 27, 2017 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deducting
Replies: 9
Views: 585

TurboTax Deducting

Seems a whole lot of people on here are buying/have bought already (Before 2018). I also assume a large portion of people on here write it off as an expense one way or another. What seems odd to me is that expense would be incurred in 2017- do you therefore get to deduct immediately when filing (i.e...
by RetireSomeday5
Wed Dec 27, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 186
Views: 26315

Re: TurboTax Prices

:removed to keep thread on topic-started separate thread:
by RetireSomeday5
Tue Dec 12, 2017 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Relo Expenses Tax Question for remote
Replies: 3
Views: 464

Re: Relo Expenses Tax Question for remote

earlyout wrote: ↑
Tue Dec 12, 2017 7:23 am
Get married by the end of the year and the problem goes away.
HA! Yes; but then I'd have a whole new set of problems.
by RetireSomeday5
Mon Dec 11, 2017 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Relo Expenses Tax Question for remote
Replies: 3
Views: 464

Relo Expenses Tax Question for remote

I know this isn't a tax forum; so I'll take any advice as opinion rather than reliance, but knowing there are a lot of smart people on the forum I thought I'd get some advice/opinions. My long-term girlfriend and I both relocated this year. My boss and I had discussed no longer needing to work at th...
by RetireSomeday5
Tue Oct 24, 2017 8:30 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 332
Views: 63550

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: 57
Views: 6140

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: 751

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: 751

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: 69
Views: 7723

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: 371

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: 332
Views: 63550

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: 234
Views: 43554

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: 4037

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: 486

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: 473

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: 27732

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: 729

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: 729

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: 1822

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 Stock Overall ...
by RetireSomeday5
Thu Feb 23, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 14
Views: 1822

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: 294

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: 1889

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: 1889

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: 1822

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: 1822

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: 1822

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: 1822

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: 1822

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: 1822

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: 1822

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: 369

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.