Search found 57 matches

by tony_roach
Tue Dec 18, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692655

Re: U.S. stocks in free fall

Well triggered another buy order in taxable for my total market ETF (ITOT). My 401k and IRA's are maxed out so I need to collect more money to keep buying some dips in taxable.
by tony_roach
Sun Dec 16, 2018 10:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Philadelphia PA Area Bogleheads Chapter
Replies: 172
Views: 43268

Re: Master Thread for Philadelphia PA Area Bogleheads Chapter

Was not aware but will be on the lookout for the next meeting.
by tony_roach
Sun Dec 16, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity funds and Ishares ETFs for taxable account
Replies: 2
Views: 387

Re: Fidelity funds and Ishares ETFs for taxable account

For free Ishares you can research the following:

IXUS - Total International
IEMG - Emerging

US Mid Cap
IJH, IWR, IJK, IJJ, JKG

US Small/Micro
IJR, IJS, IJT, IWM, JKJ, IWC
by tony_roach
Fri Dec 14, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692655

Re: U.S. stocks in free fall

nibbled some more taxable total market etf (ITOT) this morning.
by tony_roach
Wed Dec 12, 2018 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Megacorp Interview Advice
Replies: 12
Views: 1666

Re: Megacorp Interview Advice

Based on my Megacorp experience this is where you need to spend some political capital with your internal Advocates. Do you have any mentors/advocates within the company or other internal business partners customers you've worked with or supported that can vouch for your work ethic, experience, repu...
by tony_roach
Tue Dec 11, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 21724

Re: What percentage of your net worth is your home equity?

Apparently 24.3% for me (925K net worth | 225K home equity vs. 700K all investments/savings)
by tony_roach
Tue Dec 11, 2018 9:02 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 551
Views: 64881

Re: Post your Financial Milestone Announcements Here

flyingaway wrote:
Tue Dec 11, 2018 6:23 pm
Lost $200,000 from my peak. My wife said that we have to work two more years.
Not as drastic but in 2018 my investment milestones included: surpassing 650K, 700K, 750K (back down to 700K since the September highs).
by tony_roach
Sun Dec 09, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Apple Store For Vets & Active Military
Replies: 9
Views: 1348

Re: Apple Store For Vets & Active Military

rvflyer wrote:
Sun Dec 09, 2018 7:20 am
Just discovered this new site. Up to 10% off most items. https://www.apple.com/us_epp_805199/shop
OP thanks for the link, it will help this Marine Corps vet save some dollars
by tony_roach
Fri Dec 07, 2018 3:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692655

Re: U.S. stocks in freefall

The market is roller-coastering again. Insiders must have gotten wind of something. OMG :shock: A limit order I thought never had a chance to excocted just did. This is truly serious. My ITOT taxable limit orders have not hit yet...so need it to go lower for me... Well one of mine just executed.
by tony_roach
Fri Dec 07, 2018 2:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692655

Re: U.S. stocks in freefall

J G Bankerton wrote:
Fri Dec 07, 2018 2:17 pm
The market is roller-coastering again. Insiders must have gotten wind of something. OMG :shock: A limit order I thought never had a chance to excocted just did. This is truly serious.
My ITOT taxable limit orders have not hit yet...so need it to go lower for me...
by tony_roach
Sat Dec 01, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA RMD Input Question
Replies: 4
Views: 517

Re: Inherited IRA RMD Input Question

The total RMD for the year of death is based the total FMV on 12/31 of the year prior to death. The total RMD for the year of death is first partially or totally satisfied by the decedent. Any remaining amount of the RMD can be taken in any proportion by the beneficiaries. It does not have to be ba...
by tony_roach
Fri Nov 30, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA RMD Input Question
Replies: 4
Views: 517

Inherited IRA RMD Input Question

Bogleheads, I have a question about a small IRA I inherited this year which I must take an RMD for (I plan to rollover from Legend Group to Vanguard as soon as I take my first RMD). These funds were left by my grandmother and were split between my mom (34%), my sister (33%) and I (33%). I assume the...
by tony_roach
Wed Nov 21, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Sell RSUs at 18 month low or wait
Replies: 37
Views: 2520

Re: Sell RSUs at 18 month low or wait

Do you have an IPS? If so what does it say. I receive RSU's and my IPS states I will sell them immediately (they're treated as ordinary income) and invest the proceeds in my taxable total market ETF (ITOT). It's a matter of risk (always a chance they could be worth less next trading window). For me ...
by tony_roach
Wed Nov 21, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: When to buy a new Volvo?
Replies: 16
Views: 1492

Re: When to buy a new Volvo?

a little out of the box thinking and it may bust your budget. You can go to Sweden to pick up your Volvo. The XC60 is not in the program. But the XC90 is for another year or two. It's called Overseas Delivery. Volvo buys your 2 airline tickets to Sweden. Plus one night in a nice hotel, delivery and...
by tony_roach
Tue Nov 20, 2018 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: How long does an ACH transfer to checking usually take?
Replies: 21
Views: 673

Re: How long does an ACH transfer to checking usually take?

For me usually the next business day when i transfer from my Fidelity settlement fund to my bank (unless you do this over the weekend or a holiday)
by tony_roach
Thu Nov 15, 2018 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Backdoor Roth
Replies: 18
Views: 1155

Re: Help With Backdoor Roth

(2) If you do a backdoor Roth every year, how exactly does that work - does it create mutliple Roth accounts you have to manage, or do they just accumulate into a single account? I'm a little confused on that part. OP, I can speak for Fidelity which is who I use. I have one traditional IRA account ...
by tony_roach
Sat Nov 10, 2018 7:23 pm
Forum: Local Chapters and Bogleheads Community
Topic: U. S. Marine Corps Birthday
Replies: 31
Views: 2430

Re: U. S. Marine Corps Birthday

Semper Fi Devil Dogs! Enjoy a great 243rd Birthday

Sgt USMC 1994-1999
by tony_roach
Tue Nov 06, 2018 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Dependent Care FSA - Question
Replies: 12
Views: 655

Re: Dependent Care FSA - Question

My megacorp uses Wageworks to manage the Dependent Care accounts. Below is the summary for payments

How to Access Your Benefits

Pay My Provider – Request payment to be mailed directly to your provider.

Pay Me Back – Request payment to reimburse you for out-of-pocket expenses.
by tony_roach
Sat Nov 03, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Fully maxed out
Replies: 70
Views: 8158

Re: Fully maxed out

Family of four with a stay at home mom: His 401K Max (18.5K) His Backdoor Roth Max (5.5K) Her Backdoor Roth Max (5.5K) PA529 #1 State Tax Benefit Max (15K) PA529 #2 State Tax Benefit Max (15K) Also contributed to Taxable Account Not Investment related but FSA Max ($2.6K) 401K: Technically our 6th ma...
by tony_roach
Mon Oct 22, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Shouldn't Fridays be higher than average due to 401k contributions?
Replies: 44
Views: 3246

Re: Shouldn't Fridays be higher than average due to 401k contributions?

JFanni wrote:
Mon Oct 22, 2018 3:54 pm
I get paid on Fridays but typically does not hit my 457 till Tuesday or Wednesday
This...while payday is on Friday my megacorp 401K contribution happens on the following Tuesday
by tony_roach
Wed Oct 10, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: What did you buy today
Replies: 111
Views: 8495

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: 1183

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 free fall
Replies: 8812
Views: 1692655

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 free fall
Replies: 8812
Views: 1692655

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: 1737

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: 5450

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: 3331

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: 1306

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: 1332

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: 4446

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: 541

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: 1440

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: 25805

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: 2417

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: 7326

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: 61
Views: 4842

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: 8847

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: 960

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: 960

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: 61
Views: 4842

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: 871

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: 2589

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: 1654

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: 1654

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: 795

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: 1654

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: 1654

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: 1654

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: 4798

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: 2521

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...