Search found 852 matches

by TwstdSista
Wed Jul 18, 2018 8:43 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 40
Views: 1622

Re: How do you handle the urge to DO something?

I felt the urge to "do something" this morning. So I wrote a couple checks to contribute to my Roth and my i401k. Heading down to the local Fidelity office this morning to drop them off. The next time I have an urge to "do something", I'll be able invest said funds. That'll hopefully take care of me...
by TwstdSista
Mon Jul 16, 2018 4:08 am
Forum: Investing - Help with Personal Investments
Topic: New Fidelity Solo 401k: FFNOX or FSTMX to start?
Replies: 6
Views: 459

Re: New Fidelity Solo 401k: FFNOX or FSTMX to start?

I am in the exact same situation -- solo 401k at Fidelity, balance $4000 all in FFNOX. I'll probably stay in FFNOX here until $20k or so.
by TwstdSista
Sun Jul 15, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Are Credit Cards Actually Convenient?
Replies: 65
Views: 3631

Re: Are Credit Cards Actually Convenient?

I have only had my credit card declined once in the past 25 years, and that was after someone tried to charge $2000 at a gas station on the other side of the country -- the cc company declined the fraudulent transaction and shut off my credit card (there was a message waiting for me when I got home)...
by TwstdSista
Sun Jul 15, 2018 4:32 am
Forum: Personal Finance (Not Investing)
Topic: Taxes and sole proprietorship
Replies: 9
Views: 730

Re: Taxes and sole proprietorship

I read some where that the 20% pass-through deduction may apply to the lesser of either qualified business income or taxable income: For example, say Schedule C income is $60k after business expenses an taxable income lands closer to $30k (after HSA and standard deduction, etc) -- if what I read abo...
by TwstdSista
Wed Jul 11, 2018 4:54 am
Forum: Investing - Help with Personal Investments
Topic: Should I move all my investments to Vanguard?
Replies: 31
Views: 2235

Re: Should I move all my investments to Vanguard?

I'm a huge fan of simple so think consolidating to one brokerage is a fantastic idea.

I was at Vanguard when I married my husband who was at Fidelity. We consolidated to Fidelity and I haven't regretted the simplicity yet.
by TwstdSista
Wed Jul 11, 2018 4:09 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) Asset Allocation for 23 Year Old
Replies: 10
Views: 561

Re: 401(k) Asset Allocation for 23 Year Old

^ Agreed.

Is there a low cost Target Date Index fund she could invest in?
by TwstdSista
Wed Jul 11, 2018 4:01 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4495

Re: Target date funds....unsophisticated?

A Target Date Index fund is a fantastic option in all tax advantaged accounts.

They're quite simple, which I guess does make them unsophisticated. Sounds perfect to me!
by TwstdSista
Sun Jul 08, 2018 4:52 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 408
Views: 40348

Re: Post your Financial Milestone Announcements Here

When I come back from Vacation in September, I will go to the bank and pay off my last $100k on the house. Eliminating that 4.5% interest rate seems more reasonable than putting the money in the stock market at the moment given the low rate of returns we've had (fyi, i have maxed out my retirement ...
by TwstdSista
Sun Jul 08, 2018 4:35 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Simplification and retirement prep?
Replies: 8
Views: 747

Re: Portfolio Simplification and retirement prep?

I agree with others who have recommended that you edit your percentages to a single 100% -- look at your portfolio as a whole, not as individual accounts. I'd also recommend taking bonds out of the Roth accounts (especially the high yield fund), so those can grow tax free until you need them. Bonds ...
by TwstdSista
Sat Jul 07, 2018 5:00 am
Forum: Investing - Help with Personal Investments
Topic: Transfer CapOne360 to Vanguard, or easier to wait until it's E-Trade?
Replies: 9
Views: 1094

Re: Transfer CapOne360 to Vanguard, or easier to wait until it's E-Trade?

Your local bank or credit union should be able to do a medallion signature for you -- it's just a form of "super notary". This is a small hassle, but not insurmountable. (although hopefully not needed at all) I'd transfer before the E-Trade transition, less chance of something getting messed up. I r...
by TwstdSista
Fri Jul 06, 2018 4:39 pm
Forum: Investing - Theory, News & General
Topic: Tradional IRA conversion to ROTH IRA taxable amount?
Replies: 32
Views: 1379

Re: Tradional IRA conversion to ROTH IRA taxable amount?

snip.... I am okay with having to pay more interest in the future because I may never reach that future that everyone talks about. So I prefer to have more money in my pocket now and pay a less student loan than pay more each month and have less interest in a future that isnt even guaranteed.... If...
by TwstdSista
Fri Jul 06, 2018 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help change to a 3-fund portfolio
Replies: 19
Views: 819

Re: Help change to a 3-fund portfolio

I personally think no bonds is crazy, but it's not an off the wall thought. You just need the discipline to ride out a 50% decline should the markets crash. I remember 2008 too well, so the husband and I are 70/30 and about five years older than you. ETA: By "crazy" I simply mean for my personal sit...
by TwstdSista
Fri Jul 06, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help change to a 3-fund portfolio
Replies: 19
Views: 819

Re: Help change to a 3-fund portfolio

What ExitStageLeft said -- I would suggest that same portfolio, including the 30% of equities in International.
by TwstdSista
Fri Jul 06, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: sell vti buy vnqi [sell Vanguard Total Stock, buy Global ex-U.S. Real Estate]
Replies: 6
Views: 498

Re: sell vti buy vnqi

Maybe think of it as locking in some gains on VTI and buying VNQI on sale?

Do it in stages? A certain percentage at a time (or a percentage of a percentage)?
by TwstdSista
Fri Jul 06, 2018 6:33 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation once you reach your target
Replies: 42
Views: 3003

Re: Asset Allocation once you reach your target

I've always thought 60/40 throughout retirement. The husband will probably want 40/60. We might split the difference at 50/50.

Although, I truly like Taylor's "30 years of expenses" -- that might be the deciding factor re: bond allocation.
by TwstdSista
Fri Jul 06, 2018 4:53 am
Forum: Personal Consumer Issues
Topic: Good scanner for paperless (or less paper) office?
Replies: 30
Views: 1261

Re: Good scanner for paperless (or less paper) office?

I do acknowledge that the ScanSnap has some disadvantages as mentioned above. I use a Printer that is also a flatbed scanner/copier for those situations. My primary use for a scanner is to scan 10-50 single pages into one pdf document and the ScanSnap is perfect. The 1% of the time time I need somet...
by TwstdSista
Fri Jul 06, 2018 4:19 am
Forum: Personal Finance (Not Investing)
Topic: Pay off my car or trade in on new?
Replies: 36
Views: 1716

Re: Pay off my car or trade in on new?

I am fortunate in that I could care less what other people think of me. I am also all about practicality when it comes to cars ... for other people. But for myself -- I bought a vehicle last year that I love simply because I love it! My previous vehicle was perfectly fine and met all of my needs. Bu...
by TwstdSista
Fri Jul 06, 2018 3:44 am
Forum: Investing - Help with Personal Investments
Topic: Wanting to self-manage retirement accounts - Advice Requested
Replies: 12
Views: 1477

Re: Wanting to self-manage retirement accounts - Advice Requested

Ouch, so that's what $12,000/year in fees gets you.... I'd start by simplifying those smaller accounts down to a single fund -- Total US or Total International for the Roth accounts, and Total Bond Index Fund for the traditional IRAs (given approaching RMDs). The Boeing 401k -- at least drop the bal...
by TwstdSista
Thu Jul 05, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Advantaged Investment Allocation
Replies: 10
Views: 324

Re: Help with Tax Advantaged Investment Allocation

That's all I am aware of. Other than 401k, HSA and IRA you'e next option is taxable. Just keep in mind tax efficiency -- bonds are preferred in pre-tax accounts, equities in Roth accounts and taxable accounts. In your tax bracket, you would likely do well to have a Total International Index fund in ...
by TwstdSista
Thu Jul 05, 2018 5:17 pm
Forum: Personal Consumer Issues
Topic: Good scanner for paperless (or less paper) office?
Replies: 30
Views: 1261

Re: Good scanner for paperless (or less paper) office?

+2 to the Fujitsu ScanSnap -- I've been using one for 13+ years and have recommended it to others who have been very happy with theirs as well.
by TwstdSista
Thu Jul 05, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Advantaged Investment Allocation
Replies: 10
Views: 324

Re: Help with Tax Advantaged Investment Allocation

You can do whatever you'd like. But that tax hit would be quite large. And not necessarily worth it. (Use the search bar in the upper right corner for Roth conversions. Lots of threads and lots of discussion). I'd investigate rolling into your current 401k accounts first. Taxes on $14k are WAY less ...
by TwstdSista
Thu Jul 05, 2018 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Advantaged Investment Allocation
Replies: 10
Views: 324

Re: Help with Tax Advantaged Investment Allocation

Also, I'm not sure that it matters, but I do have the option to contribute in employer 401k plan as Roth election, but still capped at $18,500, no? Yes. But in your tax bracket, a traditional 401k is likely a better option for the tax break. Will either or both of your 401k accounts accept incoming...
by TwstdSista
Thu Jul 05, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Advantaged Investment Allocation
Replies: 10
Views: 324

Re: Help with Tax Advantaged Investment Allocation

Backdoor Roth -- do you or your spouse have any traditional IRAs (including Rollover, SEP or SIMPLE)?
by TwstdSista
Thu Jul 05, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Starting Bogle method with 300K (1 string attached)
Replies: 14
Views: 2033

Re: Starting Bogle method with 300K (1 string attached)

I'm glad I read this thread! I didn't know bond funds were frowned upon in taxable threads. I have about 12k of BND in my taxable vanguard account. Would like to exchange it for VTEB instead (I'm in the highest tax bracket in California). Is there a smart way to do this to minimize distributions/ta...
by TwstdSista
Thu Jul 05, 2018 5:55 am
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5300

Re: How to tip

20% of the total bill. Round down for not so great service and round up for great service. And rarely less than $4-$5 (some places around here are very inexpensive).
by TwstdSista
Thu Jul 05, 2018 5:52 am
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 7772

Re: Tipping at non sit down places

Generally no tip.

But if it's a place I go to regularly and they're likely to remember me, then I tip 10%.
by TwstdSista
Wed Jul 04, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Use short target date funds for bond exposure?
Replies: 4
Views: 296

Re: Use short target date funds for bond exposure?

Personally, I wouldn't put bonds in a Roth account. I have 100% equities in my Roth hoping for the most returns over the long haul since Roth funds are tax free upon withdrawal and there will never be any required minimum distributions. But there's nothing inherently wrong with bonds in a Roth, it's...
by TwstdSista
Wed Jul 04, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Use short target date funds for bond exposure?
Replies: 4
Views: 296

Re: Use short target date funds for bond exposure?

That is exactly what I would do, assuming no traditional IRA.
by TwstdSista
Wed Jul 04, 2018 5:35 am
Forum: Investing - Help with Personal Investments
Topic: Newbie UK investor hoping to get started. Just lifestrategy?
Replies: 10
Views: 531

Re: Newbie hoping to get started. Just lifestrategy?

I would suggest you amend your subject line to add [UK] -- you'll get better responses from those who know more about UK investing.
by TwstdSista
Wed Jul 04, 2018 5:05 am
Forum: Investing - Theory, News & General
Topic: Lump Sum Investing Put Simply
Replies: 16
Views: 1075

Re: Lump Sum Investing Put Simply

My personal experience: Almost every time I have funds to invest, I dollar cost average it into the market. Also almost every time I do this, I regret it -- lump sum would have been better.
by TwstdSista
Wed Jul 04, 2018 4:54 am
Forum: Investing - Help with Personal Investments
Topic: Newbie UK investor hoping to get started. Just lifestrategy?
Replies: 10
Views: 531

Re: Newbie hoping to get started. Just lifestrategy?

Is this a taxable account or a tax advantaged/retirement account? What is the purpose of the funds being invested -- house down payment, college funding, retirement, etc?

The Lifestrategy Funds hold bond and are not tax efficient in a taxable account.
by TwstdSista
Wed Jul 04, 2018 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4221

Re: Will I ever be able to itemize?

Not itemizing is a good thing. Paying less taxes is also a good thing. Count yourself as lucky!
by TwstdSista
Tue Jul 03, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: 401-k Rollover
Replies: 9
Views: 665

Re: 401-k Rollover

What is your income level? Are you able to directly contribute to a Roth IRA?

A Rollover/Traditional IRA will get in the way of a Backdoor Roth IRA contribution should your income become too high for direct Roth contributions. Just something to consider....
by TwstdSista
Tue Jul 03, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Help with Bond choices in 401K
Replies: 5
Views: 275

Re: Help with Bond choices in 401K

Likely Vanguard Intermediate-Term Bond Index Fund Admiral Shares (VBILX) ER 0.07% is your best option.
by TwstdSista
Tue Jul 03, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Advice on next steps
Replies: 9
Views: 671

Re: Advice on next steps

The phaseout for Roth IRA contributions starts at $189,000 for a married filing joint couple. $200k in income, minus deductible 401k contributions and the $24,000 standard deduction will put you well below that limit.

Although I do like your Option 1 for future planning.
by TwstdSista
Tue Jul 03, 2018 5:20 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance for Retirees, % escalation
Replies: 34
Views: 2371

Re: Health Insurance for Retirees, % escalation

We've been on marketplace health insurance (mid-40's non-smoking couple). Year 1: $850/month for a bronze plan Year 2: $650/month for a silver plan Year 3: $650/month for a silver plan Year 4: $750/month for a silver plan Year 5: $1250/month for a silver plan ($1000/month for a bronze plan) Take tha...
by TwstdSista
Tue Jul 03, 2018 4:17 am
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 94
Views: 6103

Re: Do We need health insurance??

$14M and you're worried about the cost of health insurance premiums?
by TwstdSista
Tue Jul 03, 2018 3:43 am
Forum: Investing - Help with Personal Investments
Topic: Newbie here needing portfolio review
Replies: 15
Views: 949

Re: Newbie here needing portfolio review

I would not include the 529 account in your portfolio, since it's purpose is not your retirement. I would also try to keep all individual holdings at 5% or greater, for simplicity. It would be worth your effort to start googling several of those funds. You should know what the expense ratios are (I ...
by TwstdSista
Mon Jul 02, 2018 5:56 am
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 185
Views: 18674

Re: Retirement strategy?

Ha, I just read this article!

Note that the article specifically excludes the "super wealthy" -- the less than 10% with a $1M plus retirement portfolio....

It also does not address the very real possibility that one will be unable (for whatever reason) to work to full retirement age or longer.
by TwstdSista
Mon Jul 02, 2018 5:22 am
Forum: Investing - Help with Personal Investments
Topic: Husband's job finally has a 401k offering with unusual funds
Replies: 29
Views: 2030

Re: Husband's job finally has a 401k offering with unusual funds

I would put 100% of his contributions into: Nationwide S&P 500 Index Fund - Class R 0.77%, then make sure you hold your bonds and international allocations in other accounts (your 401k and traditional IRAs and are perfect for both, and that Roth account is perfect for international).
by TwstdSista
Sun Jul 01, 2018 6:03 am
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 58
Views: 4472

Re: What is your one favorite Fidelity Fund??

Just to reiterate what many others have said: Fidelity Four-In-One Index Fund (FFNOX) ER 0.11% Although I am also invested in: Fidelity Total Stock Market Index Fund Premium Class (FSTVX) ER 0.035% Fidelity Total International Market Index Fund Premium Class (FTIPX) ER 0.10% Fidelity Total Bond Mark...
by TwstdSista
Sun Jul 01, 2018 4:22 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Youtube TV Yet?
Replies: 42
Views: 3948

Re: Anyone Tried Youtube TV Yet?

We have it, and are very happy with it.
by TwstdSista
Sun Jul 01, 2018 3:43 am
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 7659

Re: What % of your equity is int’l?

My AA is 30% of equities in International.
by TwstdSista
Sun Jul 01, 2018 3:41 am
Forum: Personal Finance (Not Investing)
Topic: Any way to "forfeit" income to avoid IRMAA cliff
Replies: 27
Views: 2446

Re: Any way to "forfeit" income to avoid IRMAA cliff

Do you have any earned income you could put into a traditional IRA? Is that even allowed? (I recall reading somewhere that you can no longer contribute once certain conditions are met....) Or if the markets tank at some point this year, you might then find yourself with a capital loss. A thought for...
by TwstdSista
Sun Jul 01, 2018 3:20 am
Forum: Investing - Help with Personal Investments
Topic: Starting the "Three Fund Portfolio"
Replies: 13
Views: 2058

Re: Starting the "Three Fund Portfolio"

Bonds are not tax efficient -- I keep bonds in my tax deferred accounts. Put $15,000 in both: Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) ER 0.04% Vanguard Total International Market Index Fund Admiral Shares (VTIAX) ER 0.11% Future contributions can be used to maintain your desire...
by TwstdSista
Fri Jun 29, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 55, what's the magic number
Replies: 169
Views: 22032

Re: Retire at 55, what's the magic number

^ Pre-Medicare, anecdotal evidence. At age 46 + 49, our premiums for a silver plan went up to $1266/month ($15,192/year). Friends of ours recently went on Medicare, and the last year they paid for their own health insurance it cost them approximately $25,000 for a year's worth of premiums. My unders...
by TwstdSista
Thu Jun 28, 2018 4:35 am
Forum: Investing - Theory, News & General
Topic: Are we just way over complicating this?
Replies: 113
Views: 7160

Re: Are we just way over complicating this?

I don't know. A significant portion of the population finds a three-fund portfolio to be complicated, especially taking into account tax efficiency. But then there's the guy with 10 retirement accounts, divided up into 10 funds at 10% each who claims it's "simple" (that one made my head spin....) Ta...
by TwstdSista
Fri Jun 22, 2018 6:58 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 550
Views: 35724

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Pages 1-4 were a head-spinner. Around pages 5+6 I started to "get it". Pages 6-10 were interesting and provided a lot more information. But I "get it" now! (I think....)

Much to keep in mind, as we are considering Roth conversions this year.
by TwstdSista
Thu Jun 21, 2018 4:40 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth Fund, Target Fund, or Total Stock Market
Replies: 45
Views: 2708

Re: Life Strategy Growth Fund, Target Fund, or Total Stock Market

Simple answer -- in a taxable account, invest in: Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) ER 0.15% But, as you can see, there are a number of factors that make this not a simple question. When the husband and I were saving for a home, it all went into CDs. Safe, safe, safe fro...
by TwstdSista
Wed Jun 20, 2018 3:38 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio/401K AA Advice
Replies: 4
Views: 350

Re: Portfolio/401K AA Advice

You seem to be "getting it", so-to-speak. Try to keep expense ratios below 0.20%, and take advantage of all vehicles available to you when you are able. Re: your company stock -- I've generally seen the recommendation be to sell as soon as possible, so good job there too! Everything Duckie said (alm...