Search found 367 matches

by Helo80
Mon Oct 23, 2017 8:11 pm
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 2017 VIDEOS
Replies: 6
Views: 852

Re: BOGLEHEADS 2017 VIDEOS

Very cool! I'll have to check these videos out tomorrow..... too tired now :(

So, when Jack Bogle showed up at the BH conference, was it like C-3PO and the Ewoks in Return of the Jedi? That would be too funny!
by Helo80
Sun Oct 22, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for multiple sets of eyes to review
Replies: 10
Views: 722

Re: Looking for multiple sets of eyes to review

High fee 457 or 403b plans that when I looked last time, didn't have any real attractive options. Are you sure there isn't a relatively cheap S&P 500 fund? +1. It might be worthwhile for the OP to contribute to 457/403b in order to get Earned Income Tax Credit or Saver's Credit. KlangFool Another +...
by Helo80
Sun Oct 22, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for multiple sets of eyes to review
Replies: 10
Views: 722

Re: Looking for multiple sets of eyes to review

No real good employer based retirement investment options. High fee 457 or 403b plans that when I looked last time, didn't have any real attractive options. So I have funded my own Roth IRA and max the contributions at $5,500 a year. First off, depending on what said "high fees" actually are, it st...
by Helo80
Sun Oct 22, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Who does the portfolio reviews and why?
Replies: 19
Views: 1042

Re: Who does the portfolio reviews and why?

For those who provide this very useful exchange, WHY do you do it? Everybody does them for fun --- there is no monetary compensation, queue, or rewards for doing it. Rather, I think people are naturally helpful and want to pass on their knowledge to a new generation of investors. I think one of the...
by Helo80
Sun Oct 22, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: 401k Funds Help (27 years old)
Replies: 14
Views: 786

Re: 401k Funds Help (27 years old)

Awesome, glad to see we're in the same boat! There is a absolute vastness to be learned about investing and personal finance. I didn't start my career until I was 25, I still feel like I'm adjusting to "being an adult" :P Diversifying in international has been on my mind lately, I know eventually I...
by Helo80
Sun Oct 22, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Definiing "liquidity"
Replies: 10
Views: 526

Re: Definiing "liquidity"

"Liquidity", to me as a layman from what I understand how banks view liquidity, is any asset that can quickly be turned into cash for about the fair market value of what it's worth at that time. Savings/CDs/stocks/bonds tend to be fairly liquid assets. I think you're on the right idea that liquidity...
by Helo80
Sat Oct 21, 2017 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer of assets from Edward Jones to Vanguard
Replies: 7
Views: 427

Re: Transfer of assets from Edward Jones to Vanguard

Yes, IRA and Roth IRA. Ok, then you preferably want to do a trustee to trustee transfer. Likely, you are in a bunch of funds that Vanguard cannot hold in house, and it would be best to sell those funds into the Edward Jones money market fund such that vanguard can pull the money and put it in the v...
by Helo80
Sat Oct 21, 2017 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer of assets from Edward Jones to Vanguard
Replies: 7
Views: 427

Re: Transfer of assets from Edward Jones to Vanguard

Is this for an IRA, 401k (or similar), or taxable account going from EJ to Vanguard? First off, Vanguard can hold many non-Vanguard mutual funds within the Vanguard house, but not all --- sounds like Edward Jones funds do not play nicely at Vanguard... surprise, surprise. Second, it's generally best...
by Helo80
Sat Oct 21, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Funds Help (27 years old)
Replies: 14
Views: 786

Re: 401k Funds Help (27 years old)

My Roth IRA has $11k and my 401k has a measly $6k (I will be increasing my 401k contributions ASAP since my knowledge on investing has been increasing). Plan is to add another $5,500 to my Roth IRA the first week of January 2018. I assume that you have contributed $5500 towards 2017 roth IRA contri...
by Helo80
Sat Oct 21, 2017 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: How does/can Walmart offer such inexpensive prescriptions?
Replies: 98
Views: 5046

Re: How does/can Walmart offer such inexpensive prescriptions?

I have a few ideas... 1. Walmart buys in bulk 2. Drugs cost little to nothing to make --- it's the R&D that makes stuff so expensive 3. For older drugs, the generics clone the formulas and did not have the exorbitant R&D costs 4. I think CVS got caught up in this where paying "with insurance" someti...
by Helo80
Fri Oct 20, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 73
Views: 9123

Re: new 401(k) limits announced

This is probably a stupid question on my part, but are other workplace plans affected too? I'm particularly interested to know if I can contribute the new amount to my 403(b). Yes, of course.... "The contribution limit for employees who participate in 401(k), 403(b), most 457 plans, and the federal...
by Helo80
Fri Oct 20, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 73
Views: 9123

Re: new 401(k) limits announced

Be aware if you switched jobs mid-year and contributed to both plans (old job's plan + new job's plan), the aggregate limit is still the same. Your new job may inadvertently cause an over-contribution situation. That would be quite a mess to unravel ... :oops: I don't think it's a huge mess other t...
by Helo80
Fri Oct 20, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: To invest or not to invest
Replies: 6
Views: 586

Re: To invest or not to invest

I got the gist of where you're at and this is what I would do.... 1. You have a great salary and with rent at $650, you either have roommates or live in a LCOL area. 2. Drop your 401k contribution to 7% to meet company match of 7% 3. Spend $5500 on your 2017 roth IRA 4. Spend the rest of your money ...
by Helo80
Fri Oct 20, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: HSA fees??
Replies: 12
Views: 892

Re: HSA fees??

southerndoc wrote:
Thu Oct 05, 2017 9:40 am
I really wish Vanguard or Fidelity would offer them.

My guess is that it would be a legal headache that they do not want to take on. Neither are stupid and want your assets. (I don't mean that in a bad way)
by Helo80
Fri Oct 20, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: new 401(k) limits announced
Replies: 73
Views: 9123

Re: new 401(k) limits announced

Why couldn't they just make it $18,600 instead? That would be nice and divisible by 24 (or 12) for payroll contribution. At the current limit, it's an easy $750 bi-monthly ($1500 monthly) to max out. For 2018, it will be $770.83333 bi-monthly ($1541.66667 monthly). Hitting the exact limit just got ...
by Helo80
Thu Oct 19, 2017 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to invest (*other* than Vanguard)?
Replies: 27
Views: 2362

Re: Best place to invest (*other* than Vanguard)?

I'm thinking it wouldn't be a bad idea to have a second investment account with another firm. So my question is, if you had to move some of your funds out of Vanguard to a different firm, what firm would you choose? I am neither an accountant, lawyer, nor financial guru --- but I do not think it's ...
by Helo80
Thu Oct 19, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Any BMW X5 owners?
Replies: 17
Views: 2212

Re: Any BMW X5 owners?

OP, no, I personally do not own any BMW products nor do I plan on ever owning one. That being said, as someone whom informally follows car maintenance, the posters here are in line with what to expect. Of course this is anecdotal evidence, but there's a running saying that you Buy Japanese and Lease...
by Helo80
Tue Oct 17, 2017 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Employer Shares
Replies: 13
Views: 844

Re: Buying Employer Shares

Colleague: So, I assume you bought some shares to take the benefit? Me: err..no, I don't think buying shares of just 1 company make sense. I prefer diversification and don't want to buy individual shares for the sake of it. Colleague: I am sure you can afford $500. That's no big deal. Me: Well, eve...
by Helo80
Tue Oct 17, 2017 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 Roth IRA Contribution Limits?
Replies: 2
Views: 580

Re: 2018 Roth IRA Contribution Limits?

Last year, the 2017 limits were posted Oct 27: https://www.irs.gov/newsroom/irs-announces-2017-pension-plan-limitations-401k-contribution-limit-remains-unchanged-at-18000-for-2017 The other link posted above is sound and reasoned speculation based upon historical precedence. I'd bet those are accura...
by Helo80
Tue Oct 17, 2017 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: 18 Year Old - Starting Investment
Replies: 8
Views: 694

Re: 18 Year Old - Starting Investment

Heads up, the Vanguard 2065 exists... probably very little difference with 2060, but hey... TR 2065 exists and probably would be like 3 mm ahead of the TR2060 fund. If your son has a high risk tolerance and can appreciate that the market may go up or down by a lot or a little on any given day, tell ...
by Helo80
Sun Oct 15, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: The theory seems irrelevant. How does one execute?
Replies: 23
Views: 1683

Re: The theory seems irrelevant. How does one execute?

Profit is profit. I can not complain. In principle if I had continued to 'forget' about my investment I may have looked at it a year down the line and found myself significantly more wealthy. Sadly I can not tell the future. You are correct --- none of us can tell the future. Historically, if you l...
by Helo80
Sun Oct 15, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: The theory seems irrelevant. How does one execute?
Replies: 23
Views: 1683

Re: The theory seems irrelevant. How does one execute?

TL;DR Someone suggested to me that my experience with cryptocurrency would give me the fortitude to invest in the stock market. I do not think that it does, but feel like I can't just sit on cash for the rest of my life. What do I do? No, I would argue that it would make it worse as cryptocurrencie...
by Helo80
Sun Oct 15, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 107
Views: 6642

Re: How does everyone keep track of your portfolio?

I log on to Vanguard and Fidelity... and make sure "It's all good!" and then log off. I've thought about writing a few macros and vb scripts to mine the *.csv data pulls you can sometimes download from these mutual fund brokers, but it's too much work. I guess it would be cool to track how the money...
by Helo80
Sun Oct 15, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: [How to get started buying stocks]
Replies: 11
Views: 813

Re: Stocks

Yes, it is feasible to buy one share of a stock at a time. However, you'll get eaten up in fees on buying and selling ($5 to $9 when buying, and again when selling). If you buy 1 share at $100, you'll pay say $107 for the transaction ($100 per share plus $7 avg commission) When you sell, you'll pay ...
by Helo80
Sun Oct 15, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: HSA’s: What level of risk do you prefer?
Replies: 58
Views: 3778

Re: HSA’s: What level of risk do you prefer?

Right now, I'm equally putting money across VFIAX, American Funds TR 2055, and Vanguard Small cap index.
by Helo80
Sun Oct 15, 2017 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Two 401k Plans - which to contribute to?
Replies: 12
Views: 708

Re: Two 401k Plans - which to contribute to?

So if I'm understanding, if one just wanted to do cap-weighted US equity indexing (i.e, mirror Total Stock Market), from what I understand 80% C/20% S would do that? And the main issue is inability to slice and dice if desired? If you're looking to replicate a TSM index in TSP, the rule of thumb is...
by Helo80
Sun Oct 15, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Two 401k Plans - which to contribute to?
Replies: 12
Views: 708

Re: Two 401k Plans - which to contribute to?

Not an accountant or tax attorney, but I'm pretty sure the TSP is the same as a 401k/403b in terms of tax treatment. TSP fund choices would be nearly impossible to beat. Get the match in your ML account, then max the TSP. Correct --- TSP + 401k personal contributions cannot exceed $18K per tax year...
by Helo80
Sun Oct 15, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Investing in private companies
Replies: 31
Views: 1914

Re: Investing in private companies

Be aware that if you are an investor (even if very small) in such a company AND you lend money (debt) to that company as well, if the company goes bankrupt, your debt will probably go to the end of the line as an "insider". I learned the hard way. I am not an attorney, tax advisor or anything like ...
by Helo80
Sun Oct 15, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: When everything goes up, what goes down & vice versa
Replies: 28
Views: 3110

Re: When everything goes up, what goes down & vice versa

LadyGeek wrote:
Sat Oct 14, 2017 6:54 pm
An inverse ETF is not appropriate for a retirement portfolio. See the wiki: Inverse and leveraged ETFs

I did not mean to imply that it was a wise or needed investment... rather, when everything is going up, an inverse ETF should be going down.... just something for OP to think about.
by Helo80
Sat Oct 14, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: When everything goes up, what goes down & vice versa
Replies: 28
Views: 3110

Re: When everything goes up, what goes down & vice versa

I guess in a simplistic sense, inverse ETFs exist that attempt to perform exactly opposite to how the index performs as you're effectively betting against the the market growing. Probably not what you're looking for, but in a true bear market, an inverse ETF should show solid gains. https://www.fool...
by Helo80
Sat Oct 14, 2017 6:42 pm
Forum: Investing - Theory, News & General
Topic: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston
Replies: 35
Views: 6276

Re: With panicked homeowners selling their flooded homes for 40¢ on the dollar, investors are flocking to Houston

Didn't we have a thread recently about whether one should drop their homeowners insurance after the mortgage is paid off? I recall more than one poster smugly saying they didn't need insurance on their $X00,000 home since they had enough in investment accounts to rebuild if it burned down. I could ...
by Helo80
Sat Oct 14, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity 401k Fund selection
Replies: 12
Views: 767

Re: Help with Fidelity 401k Fund selection

Awesome, thanks so much! Will definitely keep saving for both, just don't think I can afford to max out my contributions AND still save enough for a ring/wedding. Thank you! Understandable and reasonable.... don't be hard on yourself for not maxing out your 401k --- this is an investing site and if...
by Helo80
Sat Oct 14, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: First time investing - Invest now or wait?
Replies: 14
Views: 1051

Re: First time investing - Invest now or wait?

2) If I invest in stock market, what if the market is down just before I retire or need money in between? That's the risk of a market investment. The benefits of mutual and index funds is that your risk is spread across multiple companies versus one. Generally, if you have $25k (or whatever you hav...
by Helo80
Sat Oct 14, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3267

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

When AAPL was safely a small cap fund, I wonder if you made an investment of $10K in AAPL versus an individual investment of $10K in all 600 or so other small cap funds how many of said funds would be above and below having just maintained a small cap index fund investment of $10k. Hindsight is alwa...
by Helo80
Sat Oct 14, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4845

Re: Is there boglehead consensus on buying a car?

No, there is no BH consensus on car buying... at all. You have a few camps: 1. Buy 5-10 year old car and drive it to the wheels fall off 2. Buy new car and drive it to the wheels fall off 3. Buy slightly used car 2-3 years and drive it for a handful of years (5-6 years) and then repeat. At the end o...
by Helo80
Tue Oct 10, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7504

Re: Do you want your receipt?

Just as it is beyond rare for someone to ask for my photo ID, how many times do you see a merchant turning over a card and comparing signatures on the receipt against the signature on a card. And how often do you scratch your name on a receipt so that your 'signature' bares little resemblance to wh...
by Helo80
Mon Oct 09, 2017 4:54 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7504

Re: Do you want your receipt?

I always demand a receipt and check them against the monthly statement. How else can you check for fraud accurately? Have you ever had a price discrepancy? I have not... my parents have when a waiter added a few dollars to a tip. I make so few purchases at retail outlets (under 8 a month... if that...
by Helo80
Mon Oct 09, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7504

Re: Do you want your receipt?

A lot of people do not know what their rights are with a credit card. My Chase Freedom VISA card, I actually had a Customer Service rep (through email) who said a merchant *CAN* require a Photo ID on purchase. (The merchant in question had a cashier whom was very impolite to me about the photo ID, s...
by Helo80
Mon Oct 09, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7504

Re: Do you want your receipt?

Their merchant contract specifies that they have to accept the card. I guess technically they shouldn't accept your card at all since it isn't signed, and is thus invalid. Correct. A valid signature is expected in the signature block and that is what the merchant goes off of to verify the purchase....
by Helo80
Mon Oct 09, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7504

Re: Do you want your receipt?

In the signature line on the back of my cards I write "Photo ID". Regardless of the dollar value of the purchase or the vendor, possibly one out of a hundred asked to see my driver's license. The credit people make back the loss because of fraud actions by charging those who carry a balance double ...
by Helo80
Mon Oct 09, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: overloaded w/ Goog?
Replies: 10
Views: 1199

Re: overloaded w/ Goog?

I sold all of my ESPP shares from a company I worked with. The amount was minor in the grand scheme of my portfolio, but still a sizeable chunk of cash to lose. Also, the performance of the company is solid and continues to be through close of last Friday. I sleep better at night knowing that if an ...
by Helo80
Mon Oct 09, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: Health Care for 2018, Curious About Other's Increases
Replies: 21
Views: 2536

Re: Health Care for 2018, Curious About Other's Increases

For me, I'm clocking in right at about 9.5% for a self HSA plan. I see the total rate being charged to my employer, and my contribution. It's nothing I cannot afford, but I do not like the direction this is going. At least I get some monies back in my HSA so I'm not flushing money down the insurance...
by Helo80
Sun Oct 08, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 172213

Re: Tesla S

Read an article today. A little scary. http://www.msn.com/en-us/money/companies/tesla-is-struggling-to-build-the-model-3-%e2%80%94-heres-why/ss-AAt1Jfk?ocid=spartandhp#image=1 Of course it's scary... it's the point I was trying to make over in the Personal Finance forum about Tesla being a lottery ...
by Helo80
Sun Oct 08, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3420

Re: Daughter's auto repair shop problems, what should we do now?

When I had the timing belt changed on an Acura of mine at 100K miles... the dealership said that the motor mount needed to be replaced. Since the engine has to be propped up for a timing belt, they installed the part for free and merely charged me the MSRP (like $90) for the motor mount. The motor m...
by Helo80
Sun Oct 08, 2017 1:30 pm
Forum: Personal Consumer Issues
Topic: Most expensive gel car battery or cheapest? How often?
Replies: 32
Views: 1981

Re: Most expensive gel car battery oe cheapest? How often?

Experimenting with gel batteries on a vehicle that had the OEM battery go out at about 3.5 years.... Will see if it's any better or worse. The benefit is that it's supposed to be a no maintenance battery and able to withstand vehicle travel vibrations better. I am curious if it actually lasts longer...
by Helo80
Sun Oct 08, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: converting espp to vanguard fund
Replies: 5
Views: 331

Re: converting espp to vanguard fund

$100k in ESPP is a sizeable investment, and it's generally recommended that you do not keep that level of money in any single company --- especially your employer. I did not work at Enron, but I knew of people who worked at Enron who had colleagues that lost their entire retirements when the company...
by Helo80
Sat Oct 07, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: The Best Dave R. Thread (just kidding)
Replies: 9
Views: 987

Re: The Best Dave R. Thread (just kidding)

Dave R. Mutual Funds VS Index Funds Please watch this https://www.youtube.com/watch?v=zR64-Ea_r5U (I think Dave's jist is 1. care about how much your putting in 2. care about roi 3. care about expenses) He deals with people in way over their head in debt and buying too much house or car with not en...
by Helo80
Sat Oct 07, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 7504

Re: Do you want your receipt?

I usually say "yes" and keep it for a few days to make sure the amount that posts is correct. That being said, if you do not sign for the purchase (common at grocery stores under a certain amount or fast food restaurants), I do not think you can be held liable for the charge if you contest it --- th...
by Helo80
Sat Oct 07, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Should I keep my Stocks?
Replies: 42
Views: 3647

Re: Should I keep my Stocks?

It's a tricky question.... A true BH would not own individual stocks. However, there are a decent amount here that own individual stocks though (just completely pulling this out) it's less than 10% of our portfolios. There's nothing wrong with play money for individual stocks or cryptocurrency specu...
by Helo80
Sat Oct 07, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Rollover 401(k) to Roth IRA. Which company?
Replies: 15
Views: 863

Re: Rollover 401(k) to Roth IRA. Which company?

Thanks! I have an understanding of the process now. Just trying to decide where to move my money to. Both Vanguard and E-Trade were recommended to me, but still doing research. The usual order of recommendations are 1. Vanguard, 2. Fidelity, and 3. Schwab. For index funds, all are about the same ex...