Search found 92 matches

by tony_roach
Fri Oct 25, 2019 7:48 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1049
Views: 145310

Re: Post your Financial Milestone Announcements Here

2019 milestones
--Net worth surpassed $1M in Q1 2019 (including home equity)
--Investments surpassed $900K just this past week (looking forward to crossing $1M in just investments)
by tony_roach
Fri Oct 25, 2019 3:03 pm
Forum: Investing - Theory, News & General
Topic: Anyone buying PG&E stock?
Replies: 60
Views: 5370

Re: Anyone buying PG&E stock?

another big drop after the latest fire...who would even think this is a good idea.
by tony_roach
Mon Sep 30, 2019 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Do you know what your partner spends money on?
Replies: 80
Views: 6638

Re: Do you know what your partner spends money on?

dsmil wrote:
Mon Sep 30, 2019 8:16 am
We have a joint budget and write everything down. It's annoying but it works.
This...we agree on budget and use EveryDollar app. Join checking/savings account for all our purchases and I also use Personal Capital to track/view net worth.
by tony_roach
Fri Sep 13, 2019 9:10 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 9694

Re: How old is your cellphone?

Still rocking a Galaxy S7...although the battery is starting to show too much wear and tear.
by tony_roach
Fri Sep 13, 2019 9:08 pm
Forum: Personal Consumer Issues
Topic: What dish soap do you use?
Replies: 54
Views: 3263

Re: What dish soap do you use?

Another one for the Dawn camp. We've used the original bottle and at times the foam pump version.
by tony_roach
Wed Sep 11, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: What are you doing about lantern flies?
Replies: 13
Views: 1328

Re: What are you doing about lantern flies?

I'm west of Philly in Exton/Lionville area and if you can do it early enough its been helpful to place those sticky bands on the tree trunks. After they've hatched I've used some of the bug killers with some effectiveness. Most of the stores have list of what has been effective. I have trees in my h...
by tony_roach
Thu Sep 05, 2019 8:16 pm
Forum: Personal Consumer Issues
Topic: There's a Boglehead on Judge Judy today. [TV show]
Replies: 18
Views: 3988

Re: There's a Boglehead on Judge Judy today. [TV show]

Found the clip and the Vanguard love as well as the Judge Judy response are priceless....just in case the link doesn't work you want to go to 16:33 on the video

https://youtu.be/zKZzgvkCE-M?t=993
by tony_roach
Thu Sep 05, 2019 7:57 pm
Forum: Investing - Theory, News & General
Topic: Best of Bogleheads - your #1 takeaway
Replies: 151
Views: 15423

Re: Best of Bogleheads - your #1 takeaway

-Backdoor Roth: the board helped me clear out pre and post tax dollars in an IRA so I could do backdoor roth -Spousal IRA: confirmed I could do a spousal IRA for stay at home DW through an additional backdoor roth -IPS: helped me define an investment policy statement -Company Compensation: helped me...
by tony_roach
Thu Sep 05, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Current 15 year mortgage rates- refi?
Replies: 6
Views: 1104

Re: Current 15 year mortgage rates- refi?

Close to what I saw on bankrate.com earlier today. $275K 15 year refinance loan @3.0%
by tony_roach
Sun Aug 04, 2019 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for making and reviewing a family budget
Replies: 25
Views: 1540

Re: Advice for making and reviewing a family budget

A few tips - Set your savings rate first. Determine what it will take to finance your retirement and late life costs and how much you need to save. The goal is to save as much as possible, but we realized we can’t set this rate unless we know all our expenses. That’s the point of this exercise, to ...
by tony_roach
Sun Aug 04, 2019 10:22 pm
Forum: Investing - Theory, News & General
Topic: Where do you put your sinking fund?
Replies: 23
Views: 2345

Re: Where do you put your sinking fund?

For small/short term sinking funds I established a couple of additional savings accounts with my local bank. They were easy to open online from my account portal and I use them to keep things like car repair, vacation sinking funds. This is easy for me for these short term needs and I keep my emerge...
by tony_roach
Sun Aug 04, 2019 5:47 pm
Forum: Personal Investments
Topic: How aggressive is your AA? Can you help me with mine?
Replies: 26
Views: 3152

Re: How aggressive is your AA? Can you help me with mine?

I'm 43 and have an 85/15 AA...so if you can handle the swings you should be good. I have an IPS and the vast majority of my funds are in retirement accounts that I cannot even access until 59.5 so I don't sweat the fluctuations...I still have 17 years to continue investing and growing.
by tony_roach
Wed Jul 17, 2019 10:56 pm
Forum: Personal Investments
Topic: How exactly does maxing a 401k work when you're approaching the limit line?
Replies: 27
Views: 2277

Re: How exactly does maxing a 401k work when you're approaching the limit line?

My mega corp just takes out enough dollars on that last paycheck to reach the contribution max.
by tony_roach
Tue Jul 09, 2019 8:21 pm
Forum: Personal Consumer Issues
Topic: Who cuts your hair? And for how much?
Replies: 153
Views: 10677

Re: Who cuts your hair? And for how much?

I did a preemptive strike several years ago when the hair started thinning up top and just did a buzz cut. I have my own clippers, removed haircuts item from my monthly budget and never looked back. I do enjoy taking my son to get his hair cut.
by tony_roach
Sat Jun 29, 2019 9:06 am
Forum: Personal Finance (Not Investing)
Topic: 401k rolled over to IRA, co-mingled with non-deductible contributions, now rolling over to new 401k
Replies: 9
Views: 720

Re: 401k rolled over to IRA, co-mingled with non-deductible contributions, now rolling over to new 401k

OP, Leverage the advise from the board members. It's possible to undo what you did with these funds and open up your backdoor roth. I went through the same situation a couple of years ago and I followed the advise of the board members: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=232646&p=36...
by tony_roach
Fri Jun 28, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: Trex decking or alternatives?
Replies: 44
Views: 4239

Re: Trex decking or alternatives?

Azek/Timbertech for the deck we installed several years ago. Have not had any issues with it and low maintenance (yearly power washing). Really happy and satisfied with the purchase.
by tony_roach
Fri Jun 28, 2019 7:48 pm
Forum: Investing - Theory, News & General
Topic: What do you hold in your IRA and Why?
Replies: 48
Views: 3784

Re: What do you hold in your IRA and Why?

Total Stock Market (FSKAX) in my Fidelity Roth IRA
by tony_roach
Mon Jun 17, 2019 12:06 pm
Forum: Personal Consumer Issues
Topic: How to avoid high vet bills?
Replies: 110
Views: 7551

Re: How to avoid high vet bills?

I manage it by including a wellness plan from Banfield into my monthly budget. All the annual check ups, shots, teeth checking and cleaning are included. It may not be the absolute cheapest but it let's me plan/anticipate a consistent cost for my dog's vet care.
by tony_roach
Sat Jun 08, 2019 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you carry Umbrella Insurance?
Replies: 142
Views: 10490

Re: Do you carry Umbrella Insurance?

As I started shopping for insurance this year I picked up a policy to add to my home and auto bundle ($1M coverage)
by tony_roach
Fri Jun 07, 2019 6:23 pm
Forum: Personal Investments
Topic: $10,200 Gross commission Check... What would you do with it?
Replies: 31
Views: 3512

Re: $10,200 Gross commission Check... What would you do with it?

Pay off your debts on 2 and 4 then save whatever is left.
by tony_roach
Wed Jun 05, 2019 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Car insurance recommendations
Replies: 13
Views: 1340

Re: Car insurance recommendations

Not sure about that area but I'm in PA am I'm going thru this process right now. I found an independent broker that could shop around across many policies and I found a policy with higher limits at a lower annual premium (going from State Farm to Progressive).
by tony_roach
Fri May 24, 2019 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: PA 529 thoughts
Replies: 13
Views: 1035

Re: PA 529 thoughts

Some additional PA State Benefits: What benefits can I get by saving in the PA 529 Program that I can’t get from any other 529 program? As a Pennsylvania resident, you get special treatment. Not only are your contributions deductible from your Pennsylvania state income tax, the entire value of your ...
by tony_roach
Thu May 23, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: PA 529 thoughts
Replies: 13
Views: 1035

Re: PA 529 thoughts

You are correct with the $15K/yr cap per child if your spouse doesn't work. I'm in PA and have been maxing out my PA529's the last several years for two kids.
by tony_roach
Sun Apr 14, 2019 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 441
Views: 35317

Re: [2018 tax return - How does it compare to previous years?]

2017-MFJ
Marginal Tax Bracket: 28%
Effective Tax Rate: 16%

2018-MFJ
Marginal Tax Bracket: 24%
Effective Tax Rate: 16%

Same effective tax rate but only paid $33 dollars more in taxes in 2018 (post credits) vs. 2017 with a 10.2% increase in my AGI in 2018
by tony_roach
Tue Mar 19, 2019 9:53 pm
Forum: Investing - Theory, News & General
Topic: What is your U.S./ex-U.S. stock allocation?
Replies: 210
Views: 12989

Re: What is your U.S./ex-U.S. stock allocation?

75% US vs. 25% ex-US within my equity allocation.
by tony_roach
Tue Mar 19, 2019 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Donating stock instead of cash to charities
Replies: 37
Views: 2035

Re: Donating stock instead of cash to charities

I also recommend the DAF...I set one up last year with Fidelity and it has been very easy to manage my charity donations.
by tony_roach
Wed Mar 13, 2019 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 7939

Re: How many companies have you worked for?

5 companies so far in 25 years.
by tony_roach
Sat Jan 26, 2019 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Budget Help Please
Replies: 21
Views: 1645

Re: Budget Help Please

2) Monthly budgeting should not be retrospective, it should be forward-looking. Use an app like everydollar and at the start of the month, write out your written budget. If you know you want to help move your son (say, $500) then that money needs to come from somewhere else. Maybe you don't eat chi...
by tony_roach
Tue Jan 22, 2019 8:43 pm
Forum: Personal Finance (Not Investing)
Topic: Any regrets not funding a 529?
Replies: 27
Views: 4015

Re: Any regrets not funding a 529?

Different perspective...I started 529's at a young age but barely funded them (focused on maxing my retirement accounts first). Fast forward to 3 years ago and since then I've been in a position to fully fund them to the max of my state tax deduction (I now have a 10th grader and 8th grader). Becaus...
by tony_roach
Sun Jan 20, 2019 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Best Budgeting App/Program
Replies: 13
Views: 1672

Re: Best Budgeting App/Program

I use EveryDollar app for budgeting and use Personal Capital to track net worth
by tony_roach
Tue Jan 01, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: 529 yes or no?
Replies: 33
Views: 2635

Re: 529 yes or no?

While I started late I'm still doing 529's for the kids up to the PA State tax savings limit.
by tony_roach
Mon Dec 31, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Underfunded escrow account
Replies: 11
Views: 608

Re: Underfunded escrow account

In my experience, the bank pays the taxes anyway. The escrow account will go negative, and they will recompute the amount owed each month. You will then get a choice to pay the deficiency as a lump sum or have it adjust your monthly payment upwards until it’s paid. This ^ Happens to me every year w...
by tony_roach
Thu Dec 20, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12407
Views: 2141967

Re: U.S. stocks in free fall

Well my ITOT taxable ETF gets dividend contributions tomorrow so additional shares for me. My 401K is essentially maxed out (small contribution ~$150 left next week) IRA's as well. Will max out the IRA's after the new year.
by tony_roach
Wed Dec 19, 2018 2:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12407
Views: 2141967

Re: U.S. stocks in free fall

They were hoping for no more hikes next year and instead we get 2. They were hoping their temper tantrum and selloff would work as it had in previous years. Glad we have a fed with balls now. QT and rate hikes continue unabated. Rate hike "Not dovish enough". :oops: Going to keep backing up the tru...
by tony_roach
Tue Dec 18, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 398
Views: 64559

Re: Fidelity free Turbotax

Saving$ wrote:
Tue Dec 18, 2018 9:31 pm
Offer I get has three options:
1. $20 off TurboTax, either download or online version
2. $25 off H&R Block online
3. $30 off Tax Act online
First year receiving the offer
I see the same offer in my account (I'm not a private client)
by tony_roach
Tue Dec 18, 2018 3:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12407
Views: 2141967

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: US Chapters
Topic: Master Thread for Philadelphia PA Area Bogleheads Chapter
Replies: 186
Views: 65881

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: Personal Investments
Topic: Fidelity funds and Ishares ETFs for taxable account
Replies: 2
Views: 555

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: 12407
Views: 2141967

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: 1828

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: 24289

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: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1049
Views: 145310

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: 1599

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: 12407
Views: 2141967

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: 12407
Views: 2141967

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: Personal Investments
Topic: Inherited IRA RMD Input Question
Replies: 4
Views: 599

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: Personal Investments
Topic: Inherited IRA RMD Input Question
Replies: 4
Views: 599

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: 2726

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: 1772

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: Personal Investments
Topic: How long does an ACH transfer to checking usually take?
Replies: 21
Views: 770

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)