Search found 37 matches

by tony_roach
Wed Oct 10, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 108
Views: 7512

Re: What did you buy today

esar wrote:
Wed Oct 10, 2018 5:54 pm
I had some dry powder on the side waiting for an opportunity.. I used some of it to add some ITOT at $63.50 today.

Like to know if you used this as an opportunity to buy some (if yes, what did you buy) or waiting for more downturn for buying opportunity
Nibbled on ITOT as well in taxable
by tony_roach
Wed Oct 10, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do you use your own cards for work travel?
Replies: 16
Views: 1115

Re: Do you use your own cards for work travel?

My Megacorp's policy is to use the company card for all business expenses.
by tony_roach
Wed Oct 10, 2018 7:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553728

Re: U.S. stocks in freefall

OP if it makes you feel better my overall portfolio went down 20K today and I still purchased in my taxable account.
by tony_roach
Wed Oct 10, 2018 3:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7401
Views: 1553728

Re: U.S. stocks in freefall

Good reason for me to add a couple of thousand at closing today into my taxable total market ETF.
by tony_roach
Tue Oct 09, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: Kid already in 9th grade, too late to start 529?
Replies: 14
Views: 1671

Re: Kid already in 9th grade, too late to start 529?

I would take advantage of the 529 especially if you can save on your state taxes as well. If you're worried about capital preservation see if your state plan has an age appropriate option (they will re-balance your bonds vs. stocks asset allocation automatically).
by tony_roach
Tue Oct 09, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: The benefits of international diversification - NOT: Hulbert
Replies: 80
Views: 5225

Re: "International Stocks Provide The Least Protection Just When Investors Need It Most"

Taylor, I am now following your recommendation. Previously I tried to maintain international at 33% of my equities, but I've allowed it to drift down to 20% over the last year. Like the article said, international has been both a poor diversifier and a poor performer. I won't let it go any lower th...
by tony_roach
Tue Oct 02, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: After 6 months on BH, this is where I'm at...
Replies: 28
Views: 3265

Re: After 6 months on BH, this is where I'm at...

Flyer24 wrote:
Tue Oct 02, 2018 3:49 pm
Personally, I think a 30/70 allocation is for someone already retired with a large portfolio. It doesn’t really fit a 40 year old.
Agreed. I'm 42 and following the Vanguard/Fidelity 2040 glide path which currently sits at 85% stocks and 15% bonds.
by tony_roach
Mon Oct 01, 2018 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Income Sheltering for FAFSA
Replies: 11
Views: 1268

Re: Roth IRA Income Sheltering for FAFSA

Spirit Rider wrote:
Fri Sep 28, 2018 4:49 pm
You do realize that FAFSA uses the prior prior year now. The best time for FAFSA planning was a few years ago.
That's what I thought. Didn't the new changes mean they're using the income data from when student is in their Junior year in High School.
by tony_roach
Mon Oct 01, 2018 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: Where to keep emergency fund?
Replies: 15
Views: 1267

Re: Where to keep emergency fund?

My investments are in Fidelity so I keep my Emergency fund in my taxable account (FZFXX Treasury Money Market). If I need any of the funds I can EFT to my everyday checking account.
by tony_roach
Thu Sep 27, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: Anyone ever tired of managing hair and consider shaving to go bald
Replies: 59
Views: 4359

Re: Anyone ever tired of managing hair and consider shaving to go bald

I would cut it super short (0 level) with hair clippers to try out. I did the same (preemptive move) and have not gone back. Still use zero level hair clippers so not shaving yet.
by tony_roach
Thu Sep 27, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Xfinity/Comcast set top box question
Replies: 7
Views: 516

Re: Xfinity/Comcast set top box question

As others indicated the X1 set top box has power preferences within "settings/device settings/power preferences" menu. You can turn on power saver and it will not impact DVR recordings. In this section it also describes you can also press All Power button on your remote to power down (you can also p...
by tony_roach
Sun Sep 23, 2018 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1399

Re: What investment company does your employer use?

My megacorp uses Fidelity, we have Fidelity active and passive funds as well as Vanguard Target Date funds available.
by tony_roach
Wed Sep 19, 2018 6:50 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25246

Re: What is your single most expensive mistake?

Surprised no one mentioned this one but for me: 1. Purchasing a Timeshare: we were young and we did get a couple of good vacations out of it but luckily realized very quickly it was a bad deal. 2. Not selling Startup Stock Options: Swinging for the fences on two start ups that didn't work out. First...
by tony_roach
Mon Sep 10, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: Medallion Signature guarantee?
Replies: 28
Views: 2359

Re: Medallion Signature guarantee?

Went through this last year when my grandmother passed away. I went to my local branch bank and they were able to stamp my paperwork. If your bank doesn't do it I like the suggestion made earlier to shop your business to an alternate bank to see if they're willing to get you the medallion signature.
by tony_roach
Tue Sep 04, 2018 4:45 pm
Forum: Personal Consumer Issues
Topic: Daily Driver (Car) Over 100K Miles?
Replies: 96
Views: 7120

Re: Daily Driver (Car) Over 100K Miles?

Daily driver of 2001 Nissan Xterra I've owned since purchasing it brand new. I drove it until 250K miles with original engine and transmission. Did most general maintenance myself (oil, brakes, fluids, brakes, battery) and had mechanic do alternator and timing belts. I had to finally let it go this ...
by tony_roach
Fri Aug 31, 2018 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy engagement ring?
Replies: 56
Views: 4123

Re: Where to buy engagement ring?

If you travel you can look at places similar to blue nile but where you are able to look in person. I purchased at Diamonds Direct in Dallas. They have a website like Blue Nile, but as far as I understand Blue Nile does not have physical stores where one can look at the products offered. Blue Nile ...
by tony_roach
Sat Aug 25, 2018 9:03 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 8745

Re: Ladies: bra shopping question

the company thirdlove.com is disrupting the space...using big data and introducing half cup sizes. They claim best fitting bras...ladies can run through a quick initial Q&A and you get options right to your home.
by tony_roach
Sat Aug 25, 2018 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fidelity or ishares ETF for Roth IRA
Replies: 13
Views: 808

Re: Best Fidelity or ishares ETF for Roth IRA

Depends on the funds...some of them have fees, the ITOT ETF is an ishares no fee ETF and the new zero one I'm considering is a fidelity fund so no fee, 0 expense ration and no minimum.
by tony_roach
Sat Aug 25, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Best Fidelity or ishares ETF for Roth IRA
Replies: 13
Views: 808

Re: Best Fidelity or ishares ETF for Roth IRA

I got the ITOT ETF in my daughter's ROTH IRA but will be changing to FZROX so I can invest the full amount in her account (no fee and no minimum for the new mutual fund).
by tony_roach
Tue Aug 21, 2018 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Where to buy engagement ring?
Replies: 56
Views: 4123

Re: Where to buy engagement ring?

I've had great experiences with Blue Nile
by tony_roach
Sun Jun 17, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: rsu & iso [Restricted Stock Unit & Incentive Stock Option]
Replies: 12
Views: 849

Re: rsu & iso

As far as the RSU or Restricted Stock Unit that is the recommended approach by most. I do the same since I don't want to add more risk (I already work for the company and they provide my salary). I sell immediately and re-invest those dollars in my total market ETF in taxable as well as using some o...
by tony_roach
Sun Jun 03, 2018 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Thanks Bogleheads - Mega Backdoor Roth FTW
Replies: 25
Views: 2539

Re: Thanks Bogleheads - Mega Backdoor Roth FTW

I need to call Fido who administers my plan to ask a real person. Every time I review my plan documentation it appears they don't allow it but the way they lay out the info it's very confusing (contributions are either pre-tax 401k or after-tax Roth 401k).
by tony_roach
Tue Jan 02, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Rollover and Backdoor Roth Question
Replies: 16
Views: 1563

Re: Reverse Rollover and Backdoor Roth Question

@retiredjg thanks for the feedback. I still have the interest balance and will convert it once I get my 2018 contribution deposited this week. By the way I also looked at my wife's account and she had .54 cents of interest also deposited on the 29th. This is certainly something to keep in mind when ...
by tony_roach
Sun Dec 31, 2017 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Rollover and Backdoor Roth Question
Replies: 16
Views: 1563

Re: Reverse Rollover and Backdoor Roth Question

Yea was on vacation so this threw me off. 401K rollover was completed on 12-26-17 Roth Conversion done on 12-27-17 Then $4.65 deposited on Trad IRA on 12-29-17 as interest earned. Was out for the holidays so missed the deposit until today. I can try to do the Fidelity Trad to Roth conversion online.
by tony_roach
Sun Dec 31, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portolio and Approach Feedback
Replies: 5
Views: 767

Re: Portolio and Approach Feedback

Updated my allocation and portfolio now that my IRA conversions completed.
by tony_roach
Sun Dec 31, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Rollover and Backdoor Roth Question
Replies: 16
Views: 1563

Re: Reverse Rollover and Backdoor Roth Question

Quick question. Had some dollars of interest deposited in my Trad. IRA Assume I can convert that amount into the Roth today and it will be added to my overall conversion for the year?
by tony_roach
Tue Dec 26, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Rollover and Backdoor Roth Question
Replies: 16
Views: 1563

Re: Reverse Rollover and Backdoor Roth Question

Thanks for the advice and hope you had a great Christmas. Enjoy 2018!
by tony_roach
Tue Dec 26, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Reverse Rollover and Backdoor Roth Question
Replies: 16
Views: 1563

Re: Reverse Rollover and Backdoor Roth Question

retiredjg: quick update. After several conversations with Fidelity they confirmed the rollover was not as straightforward as they had initially communicated. They confirmed my 401K was not able to take a direct transfer and they had to cut a check. I received the check and filled out an incoming rol...
by tony_roach
Sun Dec 17, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: too much $ in my company of work?
Replies: 51
Views: 4732

Re: too much $ in my company of work?

Agree with the prior advice to reduce your concentration. I work for a Fortune 50 and I treat the RSU's I receive as a cash bonus and sell immediately (these feed my roth, PA529 and taxable broad based funds). I don't participate in the ESPP even though we get 15% discount on the lowest of the openi...
by tony_roach
Fri Dec 15, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: Medallion Gold Signature
Replies: 16
Views: 2490

Re: Medallion Gold Signature

Here is feedback I found online: If you reside outside the U.S., you may obtain a Consular’s seal from a U.S. embassy (http://usembassy.state.gov/) which will be accepted in lieu of a Medallion Signature Guarantee. Military personnel may acknowledge their signatures before officers authorized to tak...
by tony_roach
Fri Dec 15, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Changing companies and what to do w pretax retirement funds
Replies: 10
Views: 786

Re: Changing companies and what to do w pretax retirement funds

That's right you don't want to put it in the Trad. IRA. I did this and and did not do the roth conversion because of the co-mingling of funds. I rolled it back to my 401K and I'll now start my roth conversions
by tony_roach
Fri Dec 15, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portolio and Approach Feedback
Replies: 5
Views: 767

Re: Portolio and Approach Feedback

Mega, It wasn't a strategy of keeping cash but I had to wait on a rollover to complete before converting from Trad IRA to a Roth IRA (my spouse IRA conversion has been completed). As far as the taxable account here is the roster: QCOM, BMY, WFC, PFE, DIS, MO, PSX, AMGN, GM, GOOGL with also ITOT. Mov...
by tony_roach
Wed Dec 06, 2017 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Portolio and Approach Feedback
Replies: 5
Views: 767

Re: Portolio and Approach Feedback

Thanks for the feedback. If you assume 2040 target date I'm not too far off from the bond allocation. When you look at the two Vanguard target date funds they have the following bond mix: 2035--21.2% 2040--13.7% I would prefer to include equities in both Roth's (for growth) so I have a couple of opt...
by tony_roach
Wed Dec 06, 2017 12:31 am
Forum: Investing - Help with Personal Investments
Topic: Portolio and Approach Feedback
Replies: 5
Views: 767

Portolio and Approach Feedback

Forum members hoping I get your feedback on my current progress, approach and allocation (wondering if I should increase bonds a bit more). Recently found the board and already got some good advice about converting my non-deductible Trad. IRA contributions to Roth IRA's (both his and hers). We've be...
by tony_roach
Wed Nov 22, 2017 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Rollover and Backdoor Roth Question
Replies: 16
Views: 1563

Re: Reverse Rollover and Backdoor Roth Question

Quick update. I spoke with Fidelity and they confirm the workplace 401K can take in reverse rollovers. I have received a form to fill out and sign and I can drop off to my local Fidelity office. They also indicated since all accounts are in Fidelity the rollover would only take 2-3 days. After that ...
by tony_roach
Sun Nov 19, 2017 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Rollover and Backdoor Roth Question
Replies: 16
Views: 1563

Re: Reverse Rollover and Backdoor Roth Question

Thanks for the response retiredjg. I'll inquire about the reverse rollover to my 401K tomorrow with Fidelity to see what they say about timing. I'm also wondering if I have to convert my investments into cash now or if they'll change them automatically once it transfers. I didn't think the order mad...
by tony_roach
Sun Nov 19, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Reverse Rollover and Backdoor Roth Question
Replies: 16
Views: 1563

Reverse Rollover and Backdoor Roth Question

Hi Bogleheads, Reviewed past posts but didn't see this specific use case. I currently have a traditional IRA with pre-tax and non-deductible dollars (details below). I'd like to isolate the dollars by doing a reverse rollover of all pre-tax to my workplace 401K then transfer the non-deductible contr...