Search found 114 matches

by DarkHelmetII
Sat Aug 18, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help With 529 Plan
Replies: 14
Views: 1144

Re: Help With 529 Plan

Without going into the details. If there is possible eligibility for financial aid. It is best to have roughly 1/2 in a parental owned 529 plan and 1/2 in a grandparent owned 529 plan. Then the parent's 529 plan is used for everything but the last 2 1/2 years and the grandparent's 529 plan is used ...
by DarkHelmetII
Sat Aug 18, 2018 6:05 am
Forum: Investing - Help with Personal Investments
Topic: Help With 529 Plan
Replies: 14
Views: 1144

Re: Help With 529 Plan

1)) Generally, yes Vanguard is good. But see #2. 2) DC has "state" tax deduction IF you us DC College Savings Plan. Please do the due diligence yourself confirming the fine print etc... but my understanding is that after two years from starting your plan, you can then move money into another state's...
by DarkHelmetII
Thu Aug 16, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Spreadsheet Question
Replies: 10
Views: 925

Re: Spreadsheet Question

1) do a straight average
2) more complex need to "back into" the effective annualized rate of return as nth root of return over all these years
by DarkHelmetII
Sun Aug 12, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: legal recruiters? any recommendations?
Replies: 4
Views: 590

legal recruiters? any recommendations?

Any recommendations on established legal recruiting firms, preferably with a bend toward in-house (not law firm) positions? Realize this is a fairly open-ended question but grateful for any input. Looking from the perspective of a candidate, currently employed by a law firm, wanting to make a move t...
by DarkHelmetII
Thu Aug 09, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ask for extension or turn down job offer?
Replies: 22
Views: 1361

Re: Ask for extension or turn down job offer?

And the firm can certainly back out if it is to their advantage to do so. In the early 2000's some professional services firms reneged on their offers as they did not have sufficient work to justify the large incoming classes they had extended offers to (post dot com bust). Just adding a tangible e...
by DarkHelmetII
Thu Aug 09, 2018 6:43 am
Forum: Investing - Help with Personal Investments
Topic: Getting Mega Back Door Roth Provisions into a 401k?
Replies: 11
Views: 723

Re: Getting Mega Back Door Roth Provisions into a 401k?

I'll echo the hard sell; it took 3 years of lobbying HR before they agreed to add a Roth option to our 401k/403b plans (which still ended up with some shady shenanigans - they won't provide a company match for any Roth contributions, only to the pre-tax contributions). Now I'm trying to get them to...
by DarkHelmetII
Thu Aug 09, 2018 6:40 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review, Age 30
Replies: 6
Views: 1149

Re: Portfolio review, Age 30

jenson.b wrote:
Thu Aug 09, 2018 4:18 am
3. Is there an online tool that I can use to compare the performance of those two portfolios?
https://www.portfoliovisualizer.com/
by DarkHelmetII
Tue Aug 07, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord advice needed with section 8
Replies: 38
Views: 3563

Re: Landlord advice needed with section 8

Novice to moderately experienced landlord here (5 yrs of a single property across two tenants using a professional management company). My input: if you plan to sell the property in two years or less, keep these tenants at the below market rate. Otherwise, move on to new tenants. Rationale - let's s...
by DarkHelmetII
Fri Aug 03, 2018 3:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you become a Boglehead?
Replies: 53
Views: 3438

Re: How did you become a Boglehead?

On an academic level, early 2000's after reading Random Walk Down Wallstreet (was still in college). Did not / could not (for me at least) fully embrace until a few years ago after having really been through a broad spectrum of market conditions and better understanding the challenges / downsides of...
by DarkHelmetII
Fri Aug 03, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Good 529 plan or other alternatives
Replies: 8
Views: 568

Re: Good 529 plan or other alternatives

But is that only for people living in the state of Nevada? No, it isn't. Only one state in the country -- Alabama -- penalizes its residents for using an out-of-state 529 plan (by taxing qualified distributions from out-of-state plans). Many states (including Alabama) offer state-tax deductions for...
by DarkHelmetII
Tue Jul 31, 2018 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Internal Transfer (not Geographic) - being recruited from within
Replies: 1
Views: 188

Internal Transfer (not Geographic) - being recruited from within

Work for a large (10,000+ person) company. Being recruited internally for a role that I am interested in exploring and have started to explore. Looking for any experiences on this situation. For example, realizing that while the function recruiting me has sworn 100% confidentiality, that can never b...
by DarkHelmetII
Fri Jul 20, 2018 5:39 am
Forum: Investing - Help with Personal Investments
Topic: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact
Replies: 33
Views: 4234

Re: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact

Find a fee-only adviser and pay a one-time cost of $1,000 - $4,000 for written independent advice on a fiduciary basis (I paid $2,000). Ironically his / her advice should be very close to the 3-fund lazy portfolio ... but with this sum of money and given you are newer to investing, I'd says there is...
by DarkHelmetII
Thu Jul 12, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5710

Re: Anyone take naps at work?

I work from home when not at client site. Enables me to get cat nap as needed or even just lay down / close my eyes for 5 - 10 minutes even if not really sleeping (which is just as well). Overall I find if done correctly, getting a little rest can help. All about managing to results and outputs as o...
by DarkHelmetII
Wed Jul 11, 2018 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Car totaled by uninsured driver
Replies: 37
Views: 3502

Re: Car totaled by uninsured driver

Additional angle (pending your time available and willingness to pursue etc...): Push 'uninsured' driver's insurance company (or the driver himself / herself) for specifics on the policy being cancelled due to non-payment. Stuff like this varies a lot by state. For example state department of insura...
by DarkHelmetII
Tue Jul 10, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Resume Question
Replies: 10
Views: 700

Re: Resume Question

As long as you can defend the job titles / job descriptions, I would not be concerned with applying some artistic liberty to tweak your formal role titles to better show career progression, variety of skills etc....
by DarkHelmetII
Mon Jul 09, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with recruiters
Replies: 20
Views: 2035

Re: Dealing with recruiters

On salary, I have recently gotten much firmer with not disclosing my salary but asking for position range. In last 3 - 4 nibbles recruiter has given me the salary range upon me declining to provide my current salary. I do this for two reasons: a) fundamental principle that he who first mentions mone...
by DarkHelmetII
Sun Jul 08, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: Wellesley alternative for taxable acct.?
Replies: 25
Views: 2951

Re: Wellesley alternative for taxable acct.?

on stock can go 40% VFIAX (S&P 500) to keep it simple. If you want to replicate the intn'l bend to Wellesley throw in some VTIAX.

update: per subsequent posts a value fund rather than blended S&P 500 would be purer / closer to true wellesley
by DarkHelmetII
Sun Jul 08, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Ireland trip
Replies: 20
Views: 1572

Re: Ireland trip

stayed here for a few nights: https://www.tripadvisor.com/Hotel_Revie ... Meath.html.

was a nice country place. most definitely need a rental car however (though seems like OP planning on that).
by DarkHelmetII
Sun Jul 08, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 1922

Re: Socially Responsible Funds (I want to be socially irresponsible)

Uniballer wrote:
Sun Jul 08, 2018 7:22 am
DarkHelmetII wrote:
Sun Jul 08, 2018 7:10 am
How do I convince my spouse of this?
Forget about it. It probably won't make much difference so it is not worth arguing about.
yeah seems that way. far worse things to invest in (financially) than vanguard social index @ 0.20% and 100% qualified dividends.
by DarkHelmetII
Sun Jul 08, 2018 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 1922

Re: Socially Responsible Funds (I want to be socially irresponsible)

On general principles, every tool does one thing best. Another saying is "no slave can serve two masters". My view of an investment: it can either do a good job achieving my financial goal or a social responsibility goal, but not both. So for me, if I wanted to feel better about myself, I would go ...
by DarkHelmetII
Sun Jul 08, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 1922

Re: Socially Responsible Funds (I want to be socially irresponsible)

What are the fee and cost differences between the options? Socially Responsible Fund is 0.20%. VOOG is 0.15%. Looking at that difference alone one may argue going with socially responsible fund is fine for greater simplicity. Both are 100% qualified dividend income (in 2017) - this is in taxable.
by DarkHelmetII
Sun Jul 08, 2018 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible Funds (I want to be socially irresponsible)
Replies: 34
Views: 1922

Socially Responsible Funds (I want to be socially irresponsible)

Hello - my spouse is now getting hung up on socially responsible investing and I pretty much could care less, other than the extent to which this is paralyzing spouse from investing her cash. Spouse has identified Vanguard Socially Responsible Fund (VFTSX). I do not like the idea of eliminating / ad...
by DarkHelmetII
Sat Jul 07, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-friendlier alternatives to Vanguard Extended Market?
Replies: 22
Views: 2048

Re: Tax-friendlier alternatives to Vanguard Extended Market?

How can I view prior years breakdown of qualified vs. non-qualified dividends on VEXMX? We just loaded up around $50,000 into VEXMX within taxable over ~ 9 months (starting in Fall 2017). This post has me questioning tax efficiency of this move. I do have VEXMX and mid / small cap options within my ...
by DarkHelmetII
Sat Jul 07, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5621

Re: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

Thanks for all the replies, very helpful. If I may summarize: a) hosed on the filters if I am otherwise willing to do that myself, b) everything else a little pricey though not as obviously getting hosed. Why was it "too late" ... well I wrote this post about 10 minutes before they finished the work...
by DarkHelmetII
Sat Jul 07, 2018 8:28 am
Forum: Personal Consumer Issues
Topic: Honda Accord Maintenance at 3 Years - Am I Getting Hosed?
Replies: 95
Views: 5621

Honda Accord Maintenance at 3 Years - Am I Getting Hosed?

I am having the below services down on my 2015 Honda Accord purchased new in August 2015. Until now I have only had oil changes done. Any insight on a) likelihood these services are actually needed, and b) reasonableness of costs. I live in Washington, DC area so probably higher than average cost of...
by DarkHelmetII
Sat Jul 07, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Pitfalls of real estate investing
Replies: 39
Views: 4175

Re: Pitfalls of real estate investing

1) Housing tax (2nd house is 50% more tax, right?) 2) Management fees 3) Repair costs Are there any other expenses or costs that I'm not thinking of? He will be aiming at residential rentals and only looking at ROI. I just want to make to completely sure that we won't meet any sudden surprises. Tha...
by DarkHelmetII
Wed Jun 06, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Suggested HSA Provider
Replies: 9
Views: 703

Re: Suggested HSA Provider

OptumBank has some low cost Vanguard options including Wellington. They waive monthly fees at $5,000 but that $5,000 has to be in Cash (not Cash + Investments).
by DarkHelmetII
Mon Jun 04, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from EJ to Vanguard
Replies: 22
Views: 2310

Re: Moving from EJ to Vanguard

My 2 cents: 1) On the 10 yr vs. 20 yr comparison from EJ ... my bet is that there is some cherry picking of the "evidence." Maybe hear him out for entertainment / educational purposes but I'd be skeptical that any sort of real argument could be made that EJ is making up for the expenses with smarter...
by DarkHelmetII
Mon Jun 04, 2018 11:34 am
Forum: Personal Consumer Issues
Topic: Property management company
Replies: 3
Views: 550

Re: Property management company

choice property: https://choiceproperty.us/.

PM me for more specifics if you want
by DarkHelmetII
Mon Jun 04, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Should I use an HSA?
Replies: 15
Views: 1504

Re: Should I use an HSA?

Across the healthcare options based on three different employers, upon running the numbers I have found the HSA / high-deductible plan to be a near no-brainer. If you are healthy, obviously you win. In "worst case" scenario, between the premium savings and tax benefits I found that I near break-even...
by DarkHelmetII
Fri Jun 01, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth
Replies: 9
Views: 873

Re: Back Door Roth

FiveK wrote:
Fri Jun 01, 2018 1:42 pm
In case the horse isn't dead yet: there is no need to wait.

Probably more than you need to know at Backdoor Roth / step-transaction doctrine news: [Congress recognizes process] - Bogleheads.org.
Thanks ... obviously I needed to read up on this!
by DarkHelmetII
Fri Jun 01, 2018 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth
Replies: 9
Views: 873

Re: Back Door Roth

If super paranoid about IRS enforcing step doctrine, wait. Otherwise do it immediately.
by DarkHelmetII
Fri Jun 01, 2018 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Picking bonds for my HSA
Replies: 10
Views: 1037

Re: Picking bonds for my HSA

Any investment in an HSA is taxed in CA unless it is exempt from CA tax. Is this true? I thought that California did not give the state tax deduction upon contributing but otherwise operated as in other states. Please correct me if I am wrong. So when people refer to HSAs as triple-tax advantaged (...
by DarkHelmetII
Thu May 31, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Picking bonds for my HSA
Replies: 10
Views: 1037

Re: Picking bonds for my HSA

Since 1978, a split of 40% Large Cap Equities / 24% Long-Term Treasury Bonds / 36% Long-Term Corporate Bonds has had a return of 10.05% (before fees) with max draw-down of -20.50% and worst year of -8.58%. I came up with the Treasury / Corporate split based on reading from Vanguard that VBLTX is 40%...
by DarkHelmetII
Thu May 31, 2018 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Picking bonds for my HSA
Replies: 10
Views: 1037

Re: Picking bonds for my HSA

[ DELETED ]
by DarkHelmetII
Thu May 31, 2018 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help?
Replies: 16
Views: 1241

Re: Help?

manedark wrote:
Thu May 31, 2018 1:19 pm
I would have said think about state Munis bond funds to avoid the huge 19% state tax, but that's only if you want to hold more bond funds in taxable account.
Is 19% state tax even possible? I assumed it was a typo. Unless this is some extreme NY State + New York City tax?
by DarkHelmetII
Thu May 31, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help?
Replies: 16
Views: 1241

Re: Help?

For the sake of something to react to (original poster and other posters) have laid out illustrative executable steps to consider: 1) Move all of IRA into Vanguard Federal Money Market Fund (first you need to setup an IRA through Vanguard). 2) Move $100,000 of your emergency fund into a Vanguard Bro...
by DarkHelmetII
Wed May 30, 2018 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Expertise Wanted (& Appreciated!)
Replies: 15
Views: 1766

Re: Boglehead Expertise Wanted (& Appreciated!)

Variable Annuity - Vanguard Balanced is the equivalent of Vanguard Wellington fund. Is this necessarily the case? My understanding is that Vanguard Variable Annuity Balanced Portfolio uses bonds with long-term average weighted maturity (https://personal.vanguard.com/us/funds/snapshot?FundId=0069&Fu...
by DarkHelmetII
Wed May 30, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Boglehead Expertise Wanted (& Appreciated!)
Replies: 15
Views: 1766

Re: Boglehead Expertise Wanted (& Appreciated!)

On the 529, I think you should consider moving some or all into the 529. Rationale being: Let's assume "worst case", neither child goes to college and you withdraw the money for non-educational expenses. When you withdraw you will pay ordinary income tax + 10% penalty. BUT ... you don't pay any taxe...
by DarkHelmetII
Wed May 30, 2018 5:41 am
Forum: Personal Finance (Not Investing)
Topic: Advice for Career Change from HR Benefits to Analytic/STEM Role
Replies: 16
Views: 1742

Re: Advice for Career Change from HR Benefits to Analytic/STEM Role

My thoughts (realize I am late to getting on this thread): 1) Overall agree to consider staying somewhere in the HR space to utilize your domain knowledge and internal contacts (assuming you stayed at current job). 2) Look for ways to bring data-driven decision-making to HR. Most HR people I've run ...
by DarkHelmetII
Tue May 29, 2018 9:01 am
Forum: Forum Issues and Administration
Topic: Analysis of Topics - Has This Ever Been Done?
Replies: 13
Views: 1584

Analysis of Topics - Has This Ever Been Done?

Hello - out of curiosity, has there ever been any analysis done on the types of discussion topics written about here on BH? For example calling out key recurring themes and frequency?
by DarkHelmetII
Tue May 29, 2018 6:34 am
Forum: Investing - Help with Personal Investments
Topic: Investments that are unique *and* sensible?
Replies: 19
Views: 2400

Re: Investments that are unique *and* sensible?

I think that a UL or VUL for a healthy insured and at the right age can be sensible for parking cash over several years. Can generally beat money market / CD rates from the fixed account and you get tax deferral advantages. Obviously want to do this with a low cost insurer like TIAA-CREF.
by DarkHelmetII
Fri May 25, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: low fee index fund suggestions
Replies: 15
Views: 1198

Re: low fee index fund suggestions

Vanguard Wellington (VWELX) has a minimum investment of $3,000 and expense ratio of 0.25%. The ~65% equities throw off dividends as well as the ~35% bonds. A good one-stop starting point that provides good long-term growth with a somewhat softened impact in downturns due to the bond holdings. But to...
by DarkHelmetII
Fri May 25, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Keep or sell primary residence condo after job move?
Replies: 23
Views: 1713

Re: Keep or sell primary residence condo after job move?

I echo sentiment 1) sell the condo, and 2) try to squeeze out a few $$ from new employer (if you are still negotiating) to help cover closing costs / realtor fees. Only one data point ... I had a job offer include $15,000 toward closing costs etc... once I mentioned a condo I would have to sell in o...
by DarkHelmetII
Thu May 24, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Exiting a variable annuity
Replies: 12
Views: 1195

Re: Exiting a variable annuity

Frank - by the way, love the user name (assuming Simpsons reference). Now to your question, my input below: 1) Based on the high fees (1.85% per year) where as you'd likely otherwise be in the neighborhood of 0.05% - 0.20% in Vanguard or similar, I'd say the math is pretty straight-forward that you ...
by DarkHelmetII
Thu May 24, 2018 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Switching jobs, what to do with 401k
Replies: 13
Views: 1370

Re: Switching jobs, what to do with 401k

IRA relative to 401k also has some reduced protections from creditors. Would like to think that is an outside chance of being an issue ... but if you have low cost / good options in previous employer's 401k then something to consider. Can also move from 401k to IRA down the road, but once you move t...
by DarkHelmetII
Thu May 24, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: MasterDex Ten [Annuity]
Replies: 2
Views: 283

Re: MasterDex Ten [Annuity]

masternotmuch - two points in reply: 1) Agreed with previous post that more details about the annuity would be helpful. Specifically a) what kind of annuity (e.g. immediate, fixed, variable) and b) more about the surrender charges. The 1035 provision protects you from incurring an IRS tax penalty bu...
by DarkHelmetII
Wed May 23, 2018 5:49 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life vs Universal Life
Replies: 13
Views: 1271

Re: Whole Life vs Universal Life

With UL your money is not actually invested in equities. Per my understanding, this is not necessarily an accurate statement. The above is true for IUL - indexed universal life, where there is more of an indirect exposure with caps and floors. For VUL (Variable Universal Life), however, you really ...
by DarkHelmetII
Wed May 23, 2018 5:21 am
Forum: Investing - Help with Personal Investments
Topic: If you suddenly became a millionaire [exceed FDIC insurance limit]
Replies: 31
Views: 5238

Re: If you suddenly became a millionaire [exceed FDIC insurance limit]

Per their tax return from several years ago (2015 I think) Bill and Hillary had 4+ million in Vanguard S&P 500 Index. My point is ... low cost index funds can be relevant to those starting out with a few thousand dollars as well as to those who are truly very wealthy (e.g. "millionaires" as you call...
by DarkHelmetII
Tue May 22, 2018 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life vs Universal Life
Replies: 13
Views: 1271

Re: Whole Life vs Universal Life

while with UL, you invest in equities. My understanding, at least with TIAA-CREF's UL product, is that UL is anything but like investing in equities. UL provides for a fixed account crediting rate. VUL gives you the option to put in whatever you want - bonds, equities etc... subject to what is avai...