Search found 907 matches

by TwstdSista
Tue Aug 14, 2018 4:41 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 206
Views: 10815

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Sounds like a good reason to take advantage of the no minimum contribution requirement as well as the lowered ER for FTIPX (Fidelity Total International Index Fund, ER now 0.06%) and buy international in my solo 401k.
by TwstdSista
Tue Aug 14, 2018 3:50 am
Forum: Personal Finance (Not Investing)
Topic: HELOC vs. Mortgage - Confused
Replies: 4
Views: 562

Re: HELOC vs. Mortgage - Confused

Ha ha ha -- a HELOC is a mortgage. (Just with a fancier name....)
by TwstdSista
Sun Aug 12, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Joint checking accounts.
Replies: 26
Views: 1891

Re: Joint checking accounts.

We have separate accounts, but we are joint on them. His money goes into his account, and then I transfer it to his savings (which I am joint on). My money goes into my account and I pay all the bills and make the retirement/HSA contributions. It's how we work.
by TwstdSista
Sun Aug 12, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Paper checks yes or no?
Replies: 112
Views: 5452

Re: Paper checks yes or no?

I need checks for my business account -- my number one vendor does not accept credit cards. Personally we've gotten away from using them too often. We use Bill Pay for most things. I still use checks for property taxes and the quarterly sewer bill, although I should probably set the sewer bill up in...
by TwstdSista
Sun Aug 12, 2018 4:13 am
Forum: Personal Finance (Not Investing)
Topic: House Value & Mortgage as a Percentage of Net Worth
Replies: 67
Views: 4112

Re: House Value & Mortgage as a Percentage of Net Worth

The husband and I went with a mortgage that either of us could comfortably afford on our own, in case one of us lost our job. We also saved a paycheck for the first 6 years of our marriage before buying a home, so we had a very decent down payment.
by TwstdSista
Sun Aug 12, 2018 3:53 am
Forum: Personal Finance (Not Investing)
Topic: Share your net worth progression
Replies: 747
Views: 210136

Re: Share your net worth progression

I like this thread, too! It reminds me that I spend too much, and helps me to curb that a little. I've already met my retirement contribution goals for this year, and I'm working towards next year's Roth contributions now (instead of starting January 1 with contributions for both last year and this ...
by TwstdSista
Sun Aug 12, 2018 3:48 am
Forum: Personal Finance (Not Investing)
Topic: Coming up with plan
Replies: 10
Views: 1753

Re: Coming up with plan

Been a while since the original post. I'm still torn between extra mortgage payments and increasing our savings. Mortgage is now at $490k, emergency fund/savings is 3-6 months. No other debts. What does "emergency fund/savings is 3-6 months" actually mean? Is it 3 months or is it 6 months? Is your ...
by TwstdSista
Sun Aug 12, 2018 3:38 am
Forum: Personal Finance (Not Investing)
Topic: Crossroad of what to do next?
Replies: 37
Views: 2527

Re: Crossroad of what to do next?

.... With that being said, we have $25k in savings over our 6 month emergency. Should we just throw all that towards the student leaving $20k. We then could pay the remaining amount off in 8 months. Thoughts? Yes. Or pay the loan down to $25k over 8 months and then pay off the rest in one fell swoo...
by TwstdSista
Sun Aug 12, 2018 3:12 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 66
Views: 3844

Re: How often do you check your brokerage accounts

Credit union -- a couples time per week. Basically whenever the husband's paycheck hits (to transfer it), when I need to use Bill Pay, and then both end of month and beginning of month (I'm self-employed -- end of month expenses and beginning of month pay day). Fidelity -- end of month. Unless I'm c...
by TwstdSista
Sat Aug 11, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help with retirement AA and fund recommendations- newbie
Replies: 9
Views: 487

Re: Help with retirement AA and fund recommendations- newbie

Did your scenario account for the fees that EJ charges you? Because that alone is a 1% difference. Not to mention the additional costs of the underlying funds....
by TwstdSista
Fri Aug 10, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 90
Views: 7600

Re: The Bigger Story: Fidelity Expense Ratios

I don't know that it's enough to move brokerages. But I'm certainly glad I'm already at Fidelity!
by TwstdSista
Fri Aug 10, 2018 4:56 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and next steps?
Replies: 12
Views: 947

Re: Asset allocation and next steps?

I did my rebalance over a few months and regretted it. But I also didn't have a clear plan and ran into the 30 day rule a couple of times. Took up a lot of brain power. The money is already invested in the stock market, so it's a lateral move. If you have a clear plan and know where you want to end ...
by TwstdSista
Thu Aug 09, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Best choice with oppenheimer
Replies: 8
Views: 482

Re: Best choice with oppenheimer

Wow, that is rough.

I'd guess Main Street Fund A - MSIGX ER 0.94% for US Stock and Total Return Bond Fund A - OPIGX ER 0.75% for bonds. The international funds are all even higher, maybe use other accounts for those?

Hopefully someone more knowledgeable than I am can chime in....
by TwstdSista
Thu Aug 09, 2018 4:25 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance / Additional Funding / Bonds - Assistance Please
Replies: 5
Views: 499

Re: Rebalance / Additional Funding / Bonds - Assistance Please

Options in those situation: Sell equities in your taxable account or withdraw contributions from your Roth account. Or a larger emergency fund. Also a tax efficient bond fund in taxable is fine, see: Vanguard California Intermediate-Term Tax-Exempt Fund Admiral Shares (VCADX) ER 0.09%. I've seen som...
by TwstdSista
Thu Aug 09, 2018 4:15 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 51936

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

.... My question was - I am leaning towards Fidelity Inst Premium fund and i understand they are going to combine different fund types at some point. However, I am unclear from Fido prospectus on how fees are going to be handled in the future. For example, prospectus for FTIHX says the following: I...
by TwstdSista
Thu Aug 09, 2018 3:53 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and next steps?
Replies: 12
Views: 947

Re: Asset allocation and next steps?

Re: life insurance. I have no idea what is competitive. The husband and I have $250k policies for 25 years from 15 years ago. Our premiums are $330 (for the 35 yo) and $250 (32 yo) annually. Equities (stock funds) are preferred in Roths for the growth potential and tax free withdrawals in retirement...
by TwstdSista
Wed Aug 08, 2018 8:29 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 477
Views: 46261

Re: Post your Financial Milestone Announcements Here

Met my 2018 retirement contribution goal -- Hurray!

Now on to the HSA....
by TwstdSista
Wed Aug 08, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 619
Views: 51936

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

12 pages of responses here.... Can someone summarize for the simple minded how these funds really differ from the prior Fidelity total market funds? My limited understanding: Fidelity ZERO Total Market Index Fund (FZROX) ER 0.00% is a Total US Stock Market fund comparable to Fidelity Total Stock Ma...
by TwstdSista
Wed Aug 08, 2018 3:16 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and next steps?
Replies: 12
Views: 947

Re: Asset allocation and next steps?

A 529 account is a fantastic idea. I'd maximize the state tax deduction for that, how to invest it depends on the age of the kids. Take a look at target date retirement plans dated around the time your kid(s) would head off to college. Keep in mind that 100% stocks could take a 50% cut (or more) if ...
by TwstdSista
Wed Aug 08, 2018 2:34 am
Forum: Investing - Help with Personal Investments
Topic: Beginner investor seeking advice
Replies: 28
Views: 1606

Re: Beginner investor seeking advice

^ Fantastic suggestion by gostars. Remember to look at all of your accounts as a single portfolio. Also, no need to start multiple threads -- the moderators will likely merge them to keep all the information in one place.
by TwstdSista
Wed Aug 08, 2018 2:24 am
Forum: Investing - Help with Personal Investments
Topic: Newbie here needing portfolio review
Replies: 18
Views: 1390

Re: Newbie here needing portfolio review

Fidelity's new ZERO funds are new and untested, and there is no reason to think they will be tax efficient. Vanguard may be the best option for a taxable account. (And I am a very happy Fidelity customer). And Vanguard's Personal Advisory Services is spoken of quite well around here. Fidelity has be...
by TwstdSista
Wed Aug 08, 2018 2:10 am
Forum: Investing - Help with Personal Investments
Topic: Advice Needed on New Asset Allocation
Replies: 12
Views: 920

Re: Advice Needed on New Asset Allocation

That seems to be a lot of Mid-Caps. You also seem to be missing some International coverage. Looks like you want to tilt with REIT, EM and Small Caps -- maybe make each of these 10% and then split the remaining 70% between Total US Stock Market, Total International and at least 10% of Total Bond Mar...
by TwstdSista
Wed Aug 08, 2018 2:05 am
Forum: Investing - Help with Personal Investments
Topic: Beginner investor seeking advice
Replies: 28
Views: 1606

Re: Where to put my Roth IRA funds

My Fidelity Roth IRA is 100% invested in Fidelity Total Stock Market Index Fund Premium Class (FSTVX) ER 0.015% and I've been extremely happy with it.

FYI -- Purchasing the Vanguard fund at Fidelity will also cost you a $75 transaction fee.
by TwstdSista
Tue Aug 07, 2018 5:35 am
Forum: Investing - Help with Personal Investments
Topic: Clean up on Aisle 4 (help me clean up this mess)
Replies: 15
Views: 2524

Re: Clean up on Isle 4 (help me clean up this mess)

It would be helpful to both you and us if you listed out the full name of each fund, and it's expense ratio. That being said, there is no reason for this number of funds. Anything less than 5% isn't going to make much of a difference. And there seems to be a lot of overlap amongst the accounts which...
by TwstdSista
Mon Aug 06, 2018 5:03 am
Forum: Investing - Help with Personal Investments
Topic: Help with rebalancing
Replies: 10
Views: 773

Re: Help with rebalancing

Wowza. Maybe consider ignoring mid caps (I would). An 80/20 ish combination of Large/Small caps is close enough. Especially at 2.8% -- not worth the brain power, or even the extra line(s) on a spreadsheet. And simplify each category into just Large/Small/International/EM/REIT/Bond? You would be able...
by TwstdSista
Sat Aug 04, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: High expense ratio worth it/Portfolio review
Replies: 48
Views: 3385

Re: High expense ratio worth it/Portfolio review

-The funds in my SEP are coming in through my IC job, all 1099 funds. If I open up a i401k through vanguard, can I roll the funds from my previous jobs (all w2) that are in my IRA into the i401k? A solo 401k that accepts incoming Rollover money will accept from both a SEP IRA and a Rollover IRA. La...
by TwstdSista
Sat Aug 04, 2018 2:33 am
Forum: Investing - Help with Personal Investments
Topic: High expense ratio worth it/Portfolio review
Replies: 48
Views: 3385

Re: High expense ratio worth it/Portfolio review

I would suggest opening a solo 401k and rolling your IRAs into it -- I'm not sure if you are permitted to contribute to a SEP IRA and a solo 401k in the same year though. I'm also not sure which solo 401k plans allow incoming rollover funds. (Hopefully someone can chime in with those answers). Havin...
by TwstdSista
Fri Aug 03, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Time to invest in Fidelity's new zero fee funds?
Replies: 70
Views: 2665

Re: Time to invest in Fidelity's new zero fee funds?

I'm considering investing my Fidelity solo 401k in the new ZERO international fund (FZILX). I'm light on international and it's small money (only $6000). I have a few more weeks until I'm beyond the 30 day rule, so I'll wait and see how those first few weeks go. As for the rest of my funds, I'll lea...
by TwstdSista
Thu Aug 02, 2018 5:53 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 110
Views: 4374

Re: Which diet soda pop do you enjoy?

Diet Coke and Diet Sunkist -- delish!
by TwstdSista
Tue Jul 31, 2018 4:23 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 2898

Re: The Guy with the Weird Portfolio

Since you like "complicated", maybe try a hybrid of sorts?

30% US Total Stock Market Index Fund
20% Total International Index Fund
20% Total Bond Market Index Fund

and 30% "complicated" (in no more than 5% chunks -- allows for 6 "complications")

Just a thought!
by TwstdSista
Sat Jul 28, 2018 4:42 am
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5907

Re: Talk to me about Le Creuset

I love the tea kettles! But they are not in my budget. I did splurge on their ramakins last year -- two sizes! They were on sale, and they are perfect for my peanut butter needs. (I mix peanut flour)

Oh how I covet a tea kettle though....
by TwstdSista
Sat Jul 28, 2018 4:37 am
Forum: Investing - Help with Personal Investments
Topic: Why is rollover to Roth with Pre-Tax $$ So Bad?
Replies: 28
Views: 2388

Re: Why is rollover to Roth with Pre-Tax $$ So Bad?

There was a great thread on this not too long ago, and somewhere around Page 5 of it the numbers finally clicked for me. Someone actually spelled out the math as to why Roth conversions are not tax efficient for a majority of people. I tried to find the thread, without success. And I don't remember ...
by TwstdSista
Thu Jul 26, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on 401k fund choices
Replies: 8
Views: 541

Re: Seeking advice on 401k fund choices

Vanguard Target Date Funds are a fantastic choice! Otherwise, you could build the three fund portfolio with: Vanguard Institutional 500 Index Trust (no ticker) - 0.016 Vanguard Institutional Total International Stock Market Index Trust (no ticker) - 0.068 Vanguard Institutional Total Bond Market Ind...
by TwstdSista
Thu Jul 26, 2018 6:11 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 985

Re: Steps to transfer IRA to Vanguard

I looked at the Schwab site and there does not appear to be any fees to sell their funds inside an IRA. What would be the disadvantage of closing all fund and stock positions and going 100% cash prior to moving to Vanguard? As far as I know, the only disadvantage would be being out of the market fo...
by TwstdSista
Thu Jul 26, 2018 3:20 am
Forum: Investing - Help with Personal Investments
Topic: Taxable investing and moving to 3 fund portfolio
Replies: 8
Views: 936

Re: Taxable investing and moving to 3 fund portfolio

I really like your proposed 3 fund portfolio. Addresses your taxable account issue and it's slightly cheaper! That's exactly what I would do, and I would do it immediately. Although waiting a bit won't really hurt you, so-to-speak. I'm just a fan of getting things done and out of my brain....
by TwstdSista
Wed Jul 25, 2018 9:16 am
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3197

Re: Intermittent Fasting

I have a girlfriend who does a 16:8 regularly and it works for her. She's also on the Keto diet. Neither of these is for me (I like carbs!), but I do try for a simple 12:12. Found this article just yesterday which says that it's also medically sound: https://www.msn.com/en-us/health/weightloss/i-am-...
by TwstdSista
Wed Jul 25, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 985

Re: Steps to transfer IRA to Vanguard

Trade fees. Schwab will not charge to trade a Schwab fund (usually), but Vanguard might charge a trade fee. However, there might also be Vanguard funds (or ETFs) that Schwab might charge a fee to sell while Vanguard will not. I bought a Dodge & Cox fund through Fidelity years ago at a $75 trade fee ...
by TwstdSista
Wed Jul 25, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 985

Re: Steps to transfer IRA to Vanguard

Vanguard can do an "in-kind" transfer of all the funds, so no need to sell everything. Vanguard just might charge more to sell the funds. Or they might charge less. Oh, and depending on the total amount being transferred, Vanguard might also give a discount for said trade fees. It's just something t...
by TwstdSista
Wed Jul 25, 2018 7:09 am
Forum: Personal Finance (Not Investing)
Topic: Buying house with cash
Replies: 12
Views: 1268

Re: Buying house with cash

^ Agreed. I would buy the house for cash.
by TwstdSista
Wed Jul 25, 2018 7:06 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 985

Re: Steps to transfer IRA to Vanguard

I think opening the IRA at Vanguard is the first step. Then have Vanguard pull the assets from the advisor. But it might be worth looking into the cost to sell the funds she is currently in at both locations. Some might be more or less expensive with the advisor than with Vanguard, and depending how...
by TwstdSista
Wed Jul 25, 2018 6:42 am
Forum: Investing - Theory, News & General
Topic: Interesting Take on the 3 Fund Model
Replies: 66
Views: 2898

Re: Interesting Take on the 3 Fund Model

No thank you!

Is it three funds? Yes.

Is it the three fund portfolio? No.
by TwstdSista
Wed Jul 25, 2018 6:27 am
Forum: Personal Finance (Not Investing)
Topic: HSA HDHP coverage question
Replies: 18
Views: 1158

Re: HSA HDHP coverage question

I think it's possible -- I have an HMO HSA policy as well. And so far this year I've had a free eye exam, free physical and a $50 colonoscopy. Free eye exam, how? Mine doesn't have that. Doesn't seem to be on the required list https://www.healthcare.gov/preventive-care-adults/ I don't get it either...
by TwstdSista
Wed Jul 25, 2018 5:49 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing when bonds only in tax advantage accounts?
Replies: 4
Views: 883

Re: Rebalancing when bonds only in tax advantage accounts?

I would sell stocks in the tax advantaged accounts to buy bonds with, and also adjust the contribution amounts. Then buy tax efficient equity funds in taxable. There are some California tax exempt bond funds you could use in taxable if you choose to go that route. But I've heard that some people don...
by TwstdSista
Wed Jul 25, 2018 3:41 am
Forum: Personal Finance (Not Investing)
Topic: Help with Budget Please...(detailed income added)
Replies: 28
Views: 2208

Re: Help with Budget Please...(Updated)

I think the house is probably fine, given your income. I'd look to cut Restaurants -- going out to eat with young ones is sometimes pure torture. Unless these are "date nights"? Then maybe they're required for a healthy marriage! Honestly, nothing seems too far out of whack. Some items are a bit hig...
by TwstdSista
Tue Jul 24, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA and Aggregation Rule
Replies: 22
Views: 1208

Re: Backdoor Roth IRA and Aggregation Rule

I apologize -- lied is a strong word and I probably shouldn't have used it. But Form 8606 is pretty clear, and mistake seems ... well, not strong enough.

Good to know that a "mistake" isn't considered fraud though. Thanks for that!
by TwstdSista
Tue Jul 24, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA and Aggregation Rule
Replies: 22
Views: 1208

Re: Backdoor Roth IRA and Aggregation Rule

I would amend every tax return involved. The IRS can go back forever on your tax returns is fraud is involved, and this person [made a mistake] on the tax returns in question. I don't know what the IRS would constitute as fraud, but I'd absolutely err on the side of caution. I would amend my returns...
by TwstdSista
Tue Jul 24, 2018 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: HSA HDHP coverage question
Replies: 18
Views: 1158

Re: HSA HDHP coverage question

I think it's possible -- I have an HMO HSA policy as well. And so far this year I've had a free eye exam, free physical and a $50 colonoscopy.
by TwstdSista
Tue Jul 24, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback on portfolio
Replies: 4
Views: 380

Re: Feedback on portfolio

I'd stick with one fund until you reach a balance of at least $25,000. Either a Total US Stock Market Index Fund or a Target Date Index Fund would be sufficient. (I have a solo 401k at Fidelity with a balance of about $5k -- all on a single fund). For me, seven categories would require a 6 figure ba...
by TwstdSista
Tue Jul 24, 2018 3:28 am
Forum: Investing - Help with Personal Investments
Topic: My Portfolio: Should I Have Gone with a Three Fund?
Replies: 16
Views: 2188

Re: My Portfolio: Should I Have Gone with a Three Fund?

Holy too many funds! Advisors seem to have a love of a ridiculous amount of funds, I think they are trying to make it too complicated to leave (which it never is). Ditch the advisor if you think you can manage with the free advice you'll get here.... Are these in a taxable account, or a retirement a...