Search found 115 matches

by tony_roach
Thu Oct 29, 2020 9:24 pm
Forum: Investing - Theory, News & General
Topic: Importance of 2 Factor Authentication
Replies: 201
Views: 13752

Re: Importance of 2 Factor Authentication

If you have 2FA on your mobile remember to also not display your full text message content when your phone is locked. I've known of folks that were impacted even with 2FA when their mobile was stolen and even with a locked phone they could still read the codes sent to you via text because they did n...
by tony_roach
Mon Oct 19, 2020 1:46 am
Forum: Personal Investments
Topic: Backdoor Roth and a Large Traditional IRA
Replies: 14
Views: 784

Re: Backdoor Roth and a Large Traditional IRA

Did mine a few years back with the help of this board (look at my first posts). I did the paperwork with Fidelity to roll over pre-tax dollars from a previous employer 401k to my current 401k. Then moved my post tax traditional ira contributions to my new Roth. Worthwhile for me and also created one...
by tony_roach
Mon Sep 28, 2020 3:48 pm
Forum: Investing - Theory, News & General
Topic: What fund(s) are in your taxable account?
Replies: 138
Views: 9921

Re: What fund(s) are in your taxable account?

IVV - S&P 500 Index ETF @Fido
by tony_roach
Mon Sep 07, 2020 9:56 am
Forum: Personal Finance (Not Investing)
Topic: What Method of paying cash for car: EFT vs check?
Replies: 31
Views: 1877

Re: What Method of paying cash for car: EFT vs check?

I made a cash purchase at the end of last year and used a personal check (the dealer was Carsense).
by tony_roach
Wed Sep 02, 2020 8:36 pm
Forum: Investing - Theory, News & General
Topic: For those with $500k-$1m in investments...
Replies: 211
Views: 33669

Re: For those with $500k-$1m in investments...

Mid-40s and currently 76% tax deferred, 9% Roth, 15% taxable
by tony_roach
Sat Aug 22, 2020 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: what is the best way to buy insurance for home and two cars
Replies: 7
Views: 583

Re: what is the best way to buy insurance for home and two cars

My 2 cents...I was a long time customer of one of the big captive agent companies. I decided to reach out to an independent insurance agent to price shop and OMG...I realized quickly I was overpaying for too long. I changed and saved thousands of dollars a year for home and auto insurance (this incl...
by tony_roach
Mon Aug 17, 2020 7:19 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1835
Views: 234841

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) Update: 2020 milestones --Net worth surpassed $1.3M in July 2020 (including home equity) --Investments surpassed $1M i...
by tony_roach
Tue Jul 14, 2020 1:17 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17505

Re: YoutubeTV subscription now $64.99/month

For those in the industry this isn't news but this article highlights the challenges for these new services (increasing content/programming costs). Whether it's a cable provider or some of these others they costs will hit everyone and eventually roll down hill to the customers. https://www.fiercevid...
by tony_roach
Thu Jul 02, 2020 5:23 pm
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 174
Views: 17505

Re: YoutubeTV subscription now $64.99/month

Having worked in the pay tv industry, I can tell you it was only a matter of time before the TV like streaming services had to increase prices. The cost they pay for the content they provide is just too high to continue offering subscriptions at $30-$40, unless the package of content is limited (li...
by tony_roach
Fri Jun 26, 2020 4:42 pm
Forum: Personal Investments
Topic: Fidelity Money Market Fund suggestions?
Replies: 23
Views: 1599

Re: Fidelity Money Market Fund suggestions?

FZDXX is a higher yield money market with a 100k minimum deposit. Yield is still low relative to a few months ago.
by tony_roach
Sat Jun 13, 2020 5:45 pm
Forum: Personal Investments
Topic: Employee Stock Purchase Plan (ESPP) - 20% Discount, 5 Year Holding Period
Replies: 21
Views: 1428

Re: Employee Stock Purchase Plan (ESPP) - 20% Discount, 5 Year Holding Period

My company's ESPP has a much shorter holding period (1 year) and I don't participate in it. Couldn't imagine a 5 year holding requirement. Between my salary, NQSO and RSU's I have enough tied to work.
by tony_roach
Sun Jun 07, 2020 10:00 pm
Forum: Personal Investments
Topic: What’s your largest single stock fund (active mgd)allocation in 401k?
Replies: 25
Views: 1498

Re: What’s your largest single stock fund (active mgd)allocation in 401k?

as9 wrote: Sun Jun 07, 2020 4:07 pm FXAIX (S&P 500)

Don’t own any managed funds.
FXAIX as well
by tony_roach
Mon Mar 23, 2020 9:54 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30215

Re: How much you lost/gain since Feb 20,2020 ?

tony_roach wrote: Mon Mar 16, 2020 6:13 pm
tony_roach wrote: Fri Mar 13, 2020 4:42 pm Down ~$200K since the highs of February 19
Update...down $226K as of today....
Update investments down $251K as of today...still holding on to the 2 comma net worth club
by tony_roach
Sun Mar 22, 2020 11:16 pm
Forum: Investing - Theory, News & General
Topic: Why are the same investors who said they wanted another 2008 now unwilling to buy into the market?
Replies: 31
Views: 2852

Re: Why are the same investors who said they wanted another 2008 now unwilling to buy into the market?

Well I was in the workforce during the dotcom crash, 9-11 and the 08,09 crisis...I'm still investing in my Roth, 401k and have been buying in taxable during these drops. I have my emergency fund and as long as I'm earning I'll keep buying.
by tony_roach
Mon Mar 16, 2020 6:13 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30215

Re: How much you lost/gain since Feb 20,2020 ?

tony_roach wrote: Fri Mar 13, 2020 4:42 pm Down ~$200K since the highs of February 19
Update...down $226K as of today....
by tony_roach
Mon Mar 16, 2020 1:34 pm
Forum: Personal Investments
Topic: Who is continuing to buy as planned?
Replies: 119
Views: 8445

Re: Who is continuing to buy as planned?

-Still contributing to my 401K -I recently submitted my Trad to Roth conversion for 2020 and bought the dip -I purchased more for my taxable ETF during last week's big drop (used dollars from my E-fund which will be back filled with my RSU redemptions this week) Just wished I had more dollars I coul...
by tony_roach
Fri Mar 13, 2020 4:42 pm
Forum: Personal Investments
Topic: How much you lost/gain since Feb 20,2020 ?
Replies: 349
Views: 30215

Re: How much you lost/gain since Feb 20,2020 ?

Down ~$200K since the highs of February 19
by tony_roach
Thu Mar 12, 2020 1:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20708
Views: 2830144

Re: U.S. stocks in free fall

All this because of a wet animal market in Wuhan, China. They should have kept the wet markets banned after SARS 1.0 instead of reversing it :annoyed My RSUs :( This...my 2020 RSUs vest next week...crappy timing Yeah mine vested earlier this week, but I sold as planned and am reminding myself that ...
by tony_roach
Thu Mar 12, 2020 1:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20708
Views: 2830144

Re: U.S. stocks in free fall

Corsair wrote: Thu Mar 12, 2020 1:27 pm All this because of a wet animal market in Wuhan, China. They should have kept the wet markets banned after SARS 1.0 instead of reversing it :annoyed My RSUs :(
This...my 2020 RSUs vest next week...crappy timing
by tony_roach
Mon Mar 09, 2020 9:28 am
Forum: Personal Investments
Topic: When to trade out of company stock?
Replies: 4
Views: 267

Re: When to trade out of company stock?

Once my company RSUs vest I sell them all and invest the funds as defined in my IPS (fund my IRA, fund 529s or taxable account ETF). I already have company NQSO's that I have to manage and I don't need to manage more additional risk on RSUs that already counted towards my ordinary income.
by tony_roach
Tue Mar 03, 2020 10:27 pm
Forum: Investing - Theory, News & General
Topic: Are CNBC all day traders?
Replies: 71
Views: 5310

Re: Are CNBC all day traders?

I know Becky Quick on CNBC only invests in the SP500. She disclosed that about two-three years ago during a WB interview after the annual meeting. They were discussing the SP500 and Warren asked if she was pleased with her investment and she said that she was and that is all she had bought since th...
by tony_roach
Tue Mar 03, 2020 8:50 pm
Forum: Personal Investments
Topic: What do you have in your Roth (or Tax Advantaged) accounts?
Replies: 17
Views: 1015

Re: What do you have in your Roth (or Tax Advantaged) accounts?

Total US Market and Total Intl in my Roth
by tony_roach
Fri Feb 28, 2020 8:20 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 514
Views: 50992

Re: Who's buying today? where's all the "dry powder" folks at? :)

Not dry powder but I used my just converted Roth IRA dollars to purchase Total Market on Fidelity....
by tony_roach
Fri Oct 25, 2019 7:48 pm
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1835
Views: 234841

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: 6091

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: 7219

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: 10896

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: 3592

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: 1489

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: 4098

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: 16205

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: 1150

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: 1775

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: 2533

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: 3252

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: 2417

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: 11741

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: 795

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&...
by tony_roach
Fri Jun 28, 2019 7:55 pm
Forum: Personal Consumer Issues
Topic: Trex decking or alternatives?
Replies: 44
Views: 5442

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: 4466

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: 7947

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: 11244

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: 3603

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: 1381

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: 1234

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: 1234

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: 37362

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: 14395

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: 2171

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: 8473

Re: How many companies have you worked for?

5 companies so far in 25 years.