Search found 528 matches

by Darth Xanadu
Fri Jan 18, 2019 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: My 2000th post
Replies: 6
Views: 524

Re: My 2000th post

Hear hear!! :beer :moneybag :beer
by Darth Xanadu
Fri Jan 18, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 259
Views: 25916

Re: What is your overall portfolio weighted expense ratio

0.028%
Only looking at funds (i.e. ignoring cash and individual stock holdings).
by Darth Xanadu
Thu Jan 17, 2019 2:24 pm
Forum: Personal Consumer Issues
Topic: Fun with Amazon
Replies: 35
Views: 3846

Re: Fun with Amazon

Sounds like they have enough teams at Amazon to fill out an NFL division. That's probably just the surface. Haha ... when in reality it was probably just one dude making his mundane workday just ever slightly more thrilling. The "Walter Mitty" of customer service. Please do not read into or comment...
by Darth Xanadu
Wed Jan 16, 2019 11:13 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 837
Views: 42367

Re: John Bogle has died at age 89

Rest well, Mr. Bogle, and Thank You.

To Jack's family, take comfort in this thought from centuries ago:
"Goodbyes are only for those who love with their eyes. Because for those who love with heart and soul there is no such thing as separation"
by Darth Xanadu
Wed Jan 16, 2019 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Error in Bogleheads Guide to Retirement Planning, 2009 edition?
Replies: 14
Views: 1008

Re: Error in Bogleheads Guide to Retirement Planning, 2009 edition?

Hi, In tge Bogleheads Guide to Retirement Planning, page 79 in paragraph "Getting your Full Match", (2009 edition) says that the company 401(k) match is included with the personal IRS maximum. However, my payroll department told me it is not, and this is confirmed by this web site. https://www.theb...
by Darth Xanadu
Tue Jan 15, 2019 3:00 pm
Forum: Investing - Theory, News & General
Topic: I Bond fixed rate = 0.5%
Replies: 90
Views: 8772

Re: I Bond fixed rate = 0.5%

I don't have a prediction; but I thought this article was somewhat interesting. FWIW, I *think* I'll buy my I-Bonds at the end of April 2019, but it could be after that (dependent on cash-flow, not what I think the fixed rate will be after May 1.). https://seekingalpha.com/article/4231707-bond-inves...
by Darth Xanadu
Tue Jan 15, 2019 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partner for Fidelity Total Stock Market Index fund
Replies: 23
Views: 1095

Re: TLH partner for Fidelity Total Stock Market Index fund

However, I'm not sure it's even worth it for me, I don't expect to have any realized capital gains in 2019, but I expect to have a few thousand in qualified dividends which are taxed for me at 15%, so wouldn't any short-term realized loss "only" save me the 15% tax on the dividends? Nope. You would...
by Darth Xanadu
Tue Jan 15, 2019 11:57 am
Forum: Investing - Help with Personal Investments
Topic: TLH partner for Fidelity Total Stock Market Index fund
Replies: 23
Views: 1095

Re: TLH partner for Fidelity Total Stock Market Index fund

I suggest you pick the one that you would be comfortable with holding forever. What would you do after buying the replacement and in one day it went up 50% and stayed there? Presumably you had reasons to pick ITOT in the first place, so you can try to use the same reasoning with your pick for a rep...
by Darth Xanadu
Tue Jan 15, 2019 10:48 am
Forum: Investing - Help with Personal Investments
Topic: TLH partner for Fidelity Total Stock Market Index fund
Replies: 23
Views: 1095

Re: TLH partner for Fidelity Total Stock Market Index fund

I'm piggy-backing this thread with a related question. I have ITOT (iShares Total Stock Market) ETF in my taxable account, I have identified a tax-loss harvest partner of IVV (ISHARES CORE S&P 500 ETF). In the (unlikely?) event I want/need another partner ... would it be advisable to use IWB (ISHARE...
by Darth Xanadu
Fri Jan 11, 2019 2:16 pm
Forum: Investing - Theory, News & General
Topic: Around 43K in dividends last year - feel good about it ?
Replies: 160
Views: 13165

Re: Around 43K in dividends last year - feel good about it ?

You should feel terrible about the $14K in taxable dividends. Terrible? Seriously? Sometimes I think some people on this forum live in an alternate universe. You should feel proud. That is an excellent accomplishment. Your total dividends is more than my annual salary. Keep up the good work. Agree ...
by Darth Xanadu
Thu Jan 10, 2019 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage...what to do next
Replies: 32
Views: 2691

Re: Paid off Mortgage...what to do next

This sounds like a very reasonable plan...Good Luck!

:sharebeer :moneybag :sharebeer
by Darth Xanadu
Thu Jan 10, 2019 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Unlimited 2% Cash back
Replies: 38
Views: 2379

Re: Fidelity Unlimited 2% Cash back

Your post got me thinking: Had this card for awhile and points have slowly been adding up and just sitting there (Lazy Me). Set up the auto redemption so they send the cash to your Fidelity brokerage automatically, they'll earn 2% there sitting in SPAXX until you decide what to do with the money. :...
by Darth Xanadu
Thu Jan 10, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do you take inheritance into account when calculating net worth?
Replies: 68
Views: 4504

Re: Do you take inheritance into account when calculating net worth?

I for one do not calculate my own net worth. I do, however, regularly update a planning file with account balances. So, I only plug in balances that I see on the computer screen. There are no asterisks.
by Darth Xanadu
Thu Jan 10, 2019 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Advice needed for a young person
Replies: 6
Views: 420

Re: Advice needed for a young person

When I was in college I thought I could pick stocks (during the .com boom). The eye opener for me was when I lost almost all of my money. Fortunately I didn't have much to lose. Experience is the best teacher. Very true! (see my signature :wink: ) Perhaps this young person can construct a phantom p...
by Darth Xanadu
Thu Jan 10, 2019 10:59 am
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5255

Re: BHers, what is your Roth IRA %?

In my portfolio spreadsheet I divide my accounts into: Taxable Tax Deferred (tax to be paid on withdrawal) Tax Exempt (never taxed, i.e. Roth IRA) When we divide our accounts up by tax treatment, we usually say: Taxable, Tax-deferred, and Roth (or After-Tax). It isn't technically correct that the R...
by Darth Xanadu
Wed Jan 09, 2019 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage...what to do next
Replies: 32
Views: 2691

Re: Paid off Mortgage...what to do next

Thank you both! If I have it my way, we will never have a mortgage again! Bloom: would it make sense to use the $7k after tax that we are expecting from bonuses to finish maxing out ROTHs for 2018? Then continue using 1/2 of the $2900 towards EF and the other half to pay off the cc? that's what I w...
by Darth Xanadu
Wed Jan 09, 2019 1:58 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5255

Re: BHers, what is your Roth IRA %?

RickBoglehead wrote:
Wed Jan 09, 2019 1:32 pm

Of the retirement funds, 88% are ROTH. We expect to have all the non-ROTH converted to ROTH within the first few years of retirement.
Presumably, you'd want at least SOME taxable income every year, to at least take advantage of deductions.
by Darth Xanadu
Wed Jan 09, 2019 1:30 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5255

Re: BHers, what is your Roth IRA %?

My question is: is there an ideal % for the tax deferred balance when RMD starts in 10 years? I haven't thought too much yet about this (I'm early 40s) but I would think trying to get RMD to the point where that, plus other taxable income, puts you 5%-15% below the top of your targeted tax bracket ...
by Darth Xanadu
Wed Jan 09, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: BHers, what is your Roth IRA %?
Replies: 113
Views: 5255

Re: BHers, what is your Roth IRA %?

My tax-free balances are currently ~41% of my portfolio (Roth IRA, Roth 401k, and HSA).

My goal over time is to end up with approx 1/3 each in tax-free, tax-deferred, and taxable, to provide maximum flexibility for managing tax liabilities in (and potentially beyond, i.e. legacy) retirement.
by Darth Xanadu
Tue Jan 08, 2019 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus toward student loans or 401(k)?
Replies: 18
Views: 916

Re: Bonus toward student loans or 401(k)?

Will only add that the decision needs to factor in your current federal tax rate. Will contributing more to your 401k bring into a new lower marginal tax rate? If so, I would prioritize the 401k more. If for example, you drop from the 22% tax bracket to the 12% tax bracket. Great point. I would max...
by Darth Xanadu
Tue Jan 08, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: Financial goals for 2019 (specific)
Replies: 70
Views: 5670

Re: Financial goals for 2019 (specific)

My 2019 Financial Goals:

- Contribute max tax-advantaged accounts
- Complete estate planning (initiated in Dec 2018)
- Purchase life insurance
- Reduce spending by at least $300/month (just cut cable yesterday so there's a third of it!)
- Increase Emergency Fund by 15%
by Darth Xanadu
Tue Jan 08, 2019 4:17 pm
Forum: Investing - Theory, News & General
Topic: Financial goals for 2019 (specific)
Replies: 70
Views: 5670

Re: Financial goals for 2019 (specific)

I am trying to figure out how I will come up with $6000 for 2020's IRA investment. I'm not sure I understand your question, but it's entirely possible I'm missing something. Aren't you sitting on a large pile of cash after liquidating individual stock positions? I would invest in total market as yo...
by Darth Xanadu
Tue Jan 08, 2019 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP - Should I or shouldn't I?
Replies: 30
Views: 1259

Re: ESPP - Should I or shouldn't I?

I've been trying to find a plain English explanation on Fidelity but no luck... I played around with editing my order--share price doesn't change the commission amount. When I change # of shares sold however... 9 shares = $20.26 commission 8 shares = $20.23 7 shares = $20.19 6 shares = $20.16 5 sha...
by Darth Xanadu
Tue Jan 08, 2019 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investing
Replies: 11
Views: 456

Re: HSA Investing

I historically have invested (nearly) all my HSA funds. I'd let it accumulate until I had $2k-$3k then buy SPTM (SPDR Portfolio Total Stock Market ETF). However, my plan charges $1.75 per quarter if your cash balance is < $3k, and my family plan deductible is also $3k, so now I'm keeping $3k in HSA...
by Darth Xanadu
Tue Jan 08, 2019 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Investing
Replies: 11
Views: 456

Re: HSA Investing

I historically have invested (nearly) all my HSA funds. I'd let it accumulate until I had $2k-$3k then buy SPTM (SPDR Portfolio Total Stock Market ETF). However, my plan charges $1.75 per quarter if your cash balance is < $3k, and my family plan deductible is also $3k, so now I'm keeping $3k in HSA ...
by Darth Xanadu
Mon Jan 07, 2019 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: High income earner with high debt.
Replies: 20
Views: 1971

Re: High income earner with high debt.

1) If you skip contributing to those accounts, you will lose that opportunity forever. Since you're asking about timing, there is no reason you have be 90/10 immediately if you are concerned about that, but in your shoes I would at least make the contribution. +1 Given your income, there will come ...
by Darth Xanadu
Mon Jan 07, 2019 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Job Loss Checklist
Replies: 18
Views: 1900

Re: Job Loss Checklist

KlangFool wrote:
Mon Jan 07, 2019 4:42 pm
BanditKing wrote:
Mon Jan 07, 2019 4:34 pm

[*]I've already fully funded my 2019 ROTH @$6000
BanditKing,

Do you have enough earned income for the 2019 Roth IRA contribution?

KlangFool
I believe severance counts as earned income, and OP is getting 19 weeks.
by Darth Xanadu
Mon Jan 07, 2019 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: Job Loss Checklist
Replies: 18
Views: 1900

Re: Job Loss Checklist

Health benefits continue until March 1, at which point I have access to COBRA. If I take COBRA, the company will pay what would have been their share under standard insurance, with me responsible for the remainder for three months. I assume this is considered a taxable benefit. After that my COBRA ...
by Darth Xanadu
Mon Jan 07, 2019 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP - Should I or shouldn't I?
Replies: 30
Views: 1259

Re: ESPP - Should I or shouldn't I?

Note that the money isn't even tied up for the full three months (Since its deposited in increments) so the return is actually higher than this. Yep, it's only tied up for half the quarter on average, so it's a return on 6 weeks not 12. Then if you get look back feature it can get crazy. I had one ...
by Darth Xanadu
Mon Jan 07, 2019 3:57 pm
Forum: Personal Consumer Issues
Topic: Finally cutting cable -- is 40mbps enough for streaming services?
Replies: 40
Views: 4472

Re: Finally cutting cable -- is 40mbps enough for streaming services?

Do not get caught up in paying for more than what you really need. Most people pay for a service that could cover a mid size buisness +1 And your internet provider will always be more than happy to upgrade you if necessary - and maybe give you a deal to boot. I think this describes me. I just cut m...
by Darth Xanadu
Sat Jan 05, 2019 12:08 am
Forum: Investing - Help with Personal Investments
Topic: New Job. lowest expense mutual fund available is 1.84%. should we invest in taxable instead?
Replies: 20
Views: 1913

Re: New Job. lowest expense mutual fund available is 1.84%. should we invest in taxable instead?

My wife is 56 and I am 51. We hope for her to retire in 6 years and me in 9 years. So the question for us is, is it worth it to max out her 401K at $25,000 a year with an expense of 1.84% or should we contribute to our taxable account and avoid these big fees? Get the match, for sure. It sounds lik...
by Darth Xanadu
Thu Jan 03, 2019 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Will Your Bank Cash In U.S. Savings Bonds?
Replies: 4
Views: 492

Re: Will Your Bank Cash In U.S. Savings Bonds?

I similarly cashed some EE bonds earlier this year (at Chase), but did not inquire about Series I bonds. I am planning on converting the trivial amount of paper bonds I have left (including Series I) to electronic format so that I don't have to keep track of the paper or hunt for an institution that...
by Darth Xanadu
Wed Dec 12, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Nanny Tax Forms at End of the Year
Replies: 3
Views: 302

Re: Nanny Tax Forms at End of the Year

I paid nanny taxes this year. I know I need to fill out a W2 and send it to her but what else is required at the end of the year? What do I need to do for my personal taxes? I'll be interested in this as well. My limited understanding is that anything withheld on nanny's behalf (i.e. federal income...
by Darth Xanadu
Wed Dec 12, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22077

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

Jack FFR1846 wrote:
Tue Dec 11, 2018 4:43 pm
About 1/6. So what? About 16.67%.
Same for me.
by Darth Xanadu
Thu Dec 06, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Should I sell?? 1,118.75% gain!!
Replies: 26
Views: 3919

Re: Should I sell?? 1,118.75% gain!!

Sell $1k-$1.2k, keep the rest?
by Darth Xanadu
Tue Dec 04, 2018 11:26 pm
Forum: Investing - Theory, News & General
Topic: HSA employee contributions subject to FICA?
Replies: 42
Views: 2969

Re: HSA employee contributions subject to FICA?

I don't even save receipts, I simply save my year-end EOBs from my insurance provider, they indicate my family out of pocket cost incurred during the year. It's certainly feasible that this will not be satisfactory to the IRS if they ever came knocking but it's a risk I'm willing to take because as ...
by Darth Xanadu
Tue Dec 04, 2018 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: .28 cents in my IRA account after backdoor Roth
Replies: 14
Views: 1612

Re: .28 cents in my IRA account after backdoor Roth

Duckie wrote:
Tue Dec 04, 2018 6:45 pm
justsomeguy2018 wrote:Now the trad IRA has .28 cents sitting in it insteaf of 0 cents.

What do I need to do?
Just convert it now. Hit the button and get it over with.
+1 that's what I do.
by Darth Xanadu
Thu Nov 29, 2018 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Advice On Job Offer
Replies: 12
Views: 1278

Re: Advice On Job Offer

FlyAF wrote:
Thu Nov 29, 2018 4:30 pm
Make the move. FW is not THAT much more expensive to live and it has infinitely more professional and social opportunities.
I have to agree. I didn't really see anything in the OP that warrants staying in current location / job.
by Darth Xanadu
Thu Nov 29, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds - what's the consensus for this cycle?
Replies: 11
Views: 2853

Re: I-Bonds - what's the consensus for this cycle?

I made my first purchase earlier this year, and will purchase again in 2019. I think whether or not I-Bonds are attractive might be somewhat dependent on your circumstances and goal for that money. I like that I-Bonds offer a variety of benefits that fits nicely with my evolving goals for this money...
by Darth Xanadu
Fri Nov 23, 2018 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Old new investor just woke up needs to catch up
Replies: 59
Views: 6242

Re: Old new investor just woke up needs to catch up

I've worked on several calculators, but never with all my planned funds in one place... it's not too late! I had read that Roth article along with several others. The other thing I like about the Roth is it CAN act as an emergency emergency fund. Agreed. Just be cautious that as the ROTH will be in...
by Darth Xanadu
Wed Nov 21, 2018 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: How did I miss this? Roth 401K
Replies: 29
Views: 4654

Re: How did I miss this? Roth 401K

Assets held in a ROTH 401k are subject to RMDs. Assets held in a ROTH IRA are not. ROTH 401K withdrawal is tax free, according to this article: http://time.com/money/4258994/traditional-401k-roth-401k-retirement/ "With a Roth 401(k), you pay taxes up front. In other words, you contribute to your re...
by Darth Xanadu
Sat Nov 17, 2018 12:00 am
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 82
Views: 8548

Re: Do I need an Amazon Echo??.....

mptfan wrote:
Fri Sep 08, 2017 3:34 pm
harrington wrote:
Wed Sep 06, 2017 3:49 pm
QVC is selling the full size Amazon Echo for $74.95 and free shipping. That's an amazing price but do I need one?
No.
Also, no.
by Darth Xanadu
Fri Nov 16, 2018 11:34 pm
Forum: Investing - Theory, News & General
Topic: Fisher Investments
Replies: 20
Views: 2848

Re: Fisher Investments

It's kind of funny, I saw a Fisher Investment ad on tv this evening, and their tagline is something along the lines of "we do better when you do better". But of course that doesn't mean it's relatively inexpensive. It's a carefully vague expression. I mean, that logic would apply if someone said I'l...
by Darth Xanadu
Fri Nov 16, 2018 11:27 pm
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6598

Re: Ally just raised Online Savings accounts to 2% APY

Marcus (Goldman Sachs) raised to 2.05% a few weeks ago. Ally's no risk CD is 2.2%. I have my emergency fund in it. Totally liquid after 6 days. Exactly. 2.0% is not the number. 2.2% is really what Ally is offering. Isn't Vanguard muni MMF a better option. 2.2% translates to 1.496% at the 32% tax br...
by Darth Xanadu
Fri Nov 16, 2018 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Old VALIC annuity
Replies: 3
Views: 290

Re: Old VALIC annuity

I have a similar product from Valic in the form of an inherited account. Fixed 4.5%. I count this as part of my fixed income allocation and, aside from required distributions, I let it be.
by Darth Xanadu
Fri Nov 16, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: How did I miss this? Roth 401K
Replies: 29
Views: 4654

Re: How did I miss this? Roth 401K

It's hard to know for sure what the tax rate will be in 7 years, let alone 10-20 or more. I'm close to retirement-- and I wish I had more in Roth. Very true that it's highly dependent on individual circumstances. I'm in the opposite boat: I wish I had moved from Roth 401k contributions to tradition...
by Darth Xanadu
Fri Nov 16, 2018 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Update Re: Hubby soon to be laid off
Replies: 26
Views: 4937

Re: Update Re: Hubby soon to be laid off

This is great, I"m happy for you both!

I try to max out my 401k by June/July precisely for this kind of scenario.
by Darth Xanadu
Fri Nov 16, 2018 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Is it worth doing a Roth conversion now to avoid future backdoor pro rata headaches?
Replies: 10
Views: 1506

Re: Is it worth doing a Roth conversion now to avoid future backdoor pro rata headaches?

Since you guys are 36/42 based on a post earlier this year, that's a lot of future years that she won't be able to do a backdoor Roth if you can't move the IRA it into her 401k. When I think about how the tax cost to do the conversion is the same amount of drop or increase across a few days in the ...
by Darth Xanadu
Fri Nov 16, 2018 10:28 pm
Forum: Investing - Theory, News & General
Topic: Fisher Investments
Replies: 20
Views: 2848

Re: Fisher Investments

Artful Dodger wrote:
Thu Nov 15, 2018 5:13 pm
I'll be happy to share my experience with Fisher.
Thanks for sharing, good post! :beer
by Darth Xanadu
Fri Nov 16, 2018 10:13 pm
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6598

Re: Ally just raised Online Savings accounts to 2% APY

fortfun wrote:
Fri Nov 16, 2018 9:35 pm
thatme wrote:
Fri Nov 16, 2018 9:31 pm
Marcus (Goldman Sachs) raised to 2.05% a few weeks ago.
Ally's no risk CD is 2.2%. I have my emergency fund in it. Totally liquid after 6 days.
Exactly. 2.0% is not the number. 2.2% is really what Ally is offering.