Search found 19 matches

by tindel
Mon Apr 30, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to The Woodlands,TX
Replies: 49
Views: 5669

Re: Moving to The Woodlands,TX

I left the Houston Area about 11 years ago now. I was on the south side of town though (LaPorte, Clear Lake City, and Pearland) and spent my high school and college years there. I also owned a my first home while I was there. The good: Many good high paying jobs there - mostly in oil, gas, and medic...
by tindel
Mon Apr 23, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Buy iBonds now or wait for May1?
Replies: 6
Views: 569

Re: Buy iBonds now or wait for May1?

If this is your e-fund and you are not planning to hold the bonds more than 5 years, I would not wait for an extra 10 bps. At the maximum allowable purchase, a 10bp increase in the fixed rate is an extra $10 a year in potential lost interest or $50 over 5 years. Good questions so far. This is my lo...
by tindel
Mon Apr 23, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Buy iBonds now or wait for May1?
Replies: 6
Views: 569

Buy iBonds now or wait for May1?

So I've started shifting my 3-6 month emergency fund into iBonds. I'm kind of new to the iBond game, so I thought I'd ask for some advice from those more seasoned at this. The plan has been to buy them every three months starting at the end of the month in January 2018. So that puts me buying a new ...
by tindel
Sun Apr 15, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Investment Life
Replies: 12
Views: 1910

Re: Simplifying Investment Life

On your last question. My plan allows after tax contribution. First they go into 401k Then I call to switch to Roth IRA. Costs me $20 and some phone time I looked all over my SPD for something saying I could do the same and found nothing. I'm not saying they won't do it, but it's not in the SPD. Wh...
by tindel
Sun Apr 15, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Investment Life
Replies: 12
Views: 1910

Re: Simplifying Investment Life

What exactly do you mean by "automatic withdrawals"? I mean how do I setup my automatic contributions (that are withdrawn from my paycheck each pay period) to maintain my AA? For Example, say I have the following each with 100% in the described Asset Class rIRA: 20% Stock spouse tIRA: 10% Stock HSA...
by tindel
Sat Apr 14, 2018 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Investment Life
Replies: 12
Views: 1910

Re: Simplifying Investment Life

Great! Thanks for the quick responses! Follow-up question. I don't think there's any tax implications here - particularly moving my tIRA to my current employer's t401k. I know I have to report it on my taxes, but I don't think I'm taxed. We've got a lot of accounts and I've found the easiest way to ...
by tindel
Sat Apr 14, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Investment Life
Replies: 12
Views: 1910

Simplifying Investment Life

I'm struggling with how to handle my investments. I currently have 10 different accounts with 4 different institutions. Managing all of this is exhausting. This doesn't even include my checking and credit card accounts (another 6 accounts over 4 additional institutions). I'm wanting to simplify some...
by tindel
Mon Jan 29, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Proper asset allocation of our portfolio
Replies: 11
Views: 1035

Re: Proper asset allocation of our portfolio

It's gambling. You're instantly increasing your liabilities with hopes of someday having more assets. You have a higher mortgage payment, which would be tougher to make of one loses their job or some other circumstance. Leverage equals risk in itself. Investing is already risky. Why make it more so...
by tindel
Mon Jan 29, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Proper asset allocation of our portfolio
Replies: 11
Views: 1035

Re: Proper asset allocation of our portfolio

So, are you saying you have no actual "cash" EF? All of your bonds and investments are in tax deferred accounts? If this is what you are saying? your only EF is your home equity? None of these things are the same as an EF. An EF would be funds that can be liquidated quickly, without a penalty, to c...
by tindel
Sun Jan 28, 2018 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Proper asset allocation of our portfolio
Replies: 11
Views: 1035

Re: Proper asset allocation of our portfolio

So, are you saying you have no actual "cash" EF? All of your bonds and investments are in tax deferred accounts? If this is what you are saying? your only EF is your home equity? None of these things are the same as an EF. An EF would be funds that can be liquidated quickly, without a penalty, to c...
by tindel
Sun Jan 28, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Proper asset allocation of our portfolio
Replies: 11
Views: 1035

Re: Proper asset allocation of our portfolio

Or, do you have enough that in an emergency you could take some from taxable? I feel EFs are more for those starting out and those with a large taxable account don't really need a separate EF. Part of my problem, I'll admit, is that I have exactly $0.01 in my taxable account. I've just always been ...
by tindel
Sun Jan 28, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Proper asset allocation of our portfolio
Replies: 11
Views: 1035

Proper asset allocation of our portfolio

I've recently started a Treasury Direct account and I plan to convert my long term (>6mo) emergency fund to iBonds over the course of the next couple of years. My primary question is that since these new iBonds are part of my emergency fund, should I keep track of them as cash or as bonds in my inve...
by tindel
Sun Jan 14, 2018 2:09 am
Forum: Investing - Theory, News & General
Topic: Best 401k Employer Match Structure
Replies: 115
Views: 10054

Re: Best 401k Employer Match Structure

I'll throw out a couple companies that I just got offers from: One of the big two aerospace companies: Automatic 6% contribution 50% of 8% contribution Up to 8% yearly cash bonus paid out after the year was over I don't remember the vesting schedule Integrated circuit manufacture: Automatic 5% contr...
by tindel
Sat Dec 30, 2017 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Portion of Emergency Fund in TIPS?
Replies: 18
Views: 1557

Re: Portion of Emergency Fund in TIPS?

I looked more at I bonds. This sounds like a better match for what I'm looking for. Thanks for turning me onto this! I figured out a way to buy some every 6 months for 2.5 years and limit my risk to only reducing my emergency fund to ~10 months during the purchase period (If I don't save some to com...
by tindel
Sat Dec 30, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portion of Emergency Fund in TIPS?
Replies: 18
Views: 1557

Re: Portion of Emergency Fund in TIPS?

Thanks everyone for the high quality feedback! Maybe I should have mentioned this before, but the 40% that I don't plan to use is my ~6 month emergency fund. I'm pretty comfortable with investing some of the longer term emergency funds in such a way that they aren't quite as liquid, but they can be ...
by tindel
Sat Dec 30, 2017 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Portion of Emergency Fund in TIPS?
Replies: 18
Views: 1557

Portion of Emergency Fund in TIPS?

I've been considering putting a portion (about 60%) of my emergency fund into TIPS instead of cash. I'm thinking about a 5-year TIPS ladder just so my emergency fund doesn't start losing a bunch of value to inflation. I hope that I can get somewhat better returns than a savings account and hedge a p...
by tindel
Tue Nov 14, 2017 1:55 am
Forum: Investing - Help with Personal Investments
Topic: 401k / IRA questions
Replies: 8
Views: 941

Re: 401k / IRA questions

2. If I were to put in 5k into my tIRA once I'm making over 196k, and convert it to rIRA, only 5/40 = 12.5% would be tax free. What does tax free mean here? Does it mean that because I first contributed to a tIRA that a portion is actually tax-free when I put the money in AND when I pull the money ...
by tindel
Mon Nov 13, 2017 7:20 am
Forum: Investing - Help with Personal Investments
Topic: 401k / IRA questions
Replies: 8
Views: 941

Re: 401k / IRA questions

Well it seems that it's time for me to learn more about these backdoor Roths. It is possible that someday I'm phased out of Roth - I'm not counting on it, but it's possible. Can you help me get a couple things straight? This whole backdoor roth conversion is very very confusing to me... 1. I current...
by tindel
Sun Nov 12, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: 401k / IRA questions
Replies: 8
Views: 941

401k / IRA questions

So, I was laid off earlier this year. I plan to start my new job tomorrow (Monday the 13th, just in time for paid holidays! Yay!). Meaning that this is a great opportunity for me to contribute to roth 401k because I will be solidly in the 15% tax bracket for the last year ever probably. I do have a ...