Search found 341 matches

by Living Free
Sun Nov 10, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Fruit Fly Problem
Replies: 24
Views: 2430

Re: Fruit Fly Problem

I'd make sure there's no source of water that's unsealed. I've had problems with these twice. Once was a sink that the prior owners removed and left open pipes near the washer/dryer which was apparently a breeding ground. The other seemed to be a crack in the shower tile (or rather inadequate grout ...
by Living Free
Tue Nov 05, 2019 11:41 am
Forum: Personal Investments
Topic: Switching jobs...asset allocation review.
Replies: 2
Views: 214

Re: Switching jobs...asset allocation review.

Yes I'd consider the vanguard total bond market index fund to be a fairly conservative investment. Mostly government bonds. Intermediate duration.

I'd probably do slightly more than 20% bonds at your age though. I'm only 34 and my current portfolio is goal 20% bonds 80% stocks.
by Living Free
Mon Nov 04, 2019 11:18 am
Forum: Personal Investments
Topic: 37 yr old check-in/quick question
Replies: 10
Views: 1260

Re: 37 yr old check-in/quick question

I'd do total US or total international stock index funds in taxable, as lakpr recommended above. Would avoid doing the target date in taxable. It does complicate one's portfolio a little to have the taxable account as it's generally not ideal to have just a target date fund across all your accounts,...
by Living Free
Mon Nov 04, 2019 9:13 am
Forum: Personal Consumer Issues
Topic: [Upgrading from an AT&T iPhone 6]
Replies: 15
Views: 751

Re: [Upgrading from an AT&T iPhone 6]

I just upgraded from a 6s to an 11. I'd recommend that you do that rather than going for an older model. The cheapest version of the 11 is like $699. Only drawback to the 11 is it's a bit large to one hand hold/use it, so you could consider getting the smaller version of the 11 pro, though that woul...
by Living Free
Mon Nov 04, 2019 8:06 am
Forum: Personal Finance (Not Investing)
Topic: ACA Marketplace
Replies: 14
Views: 1786

Re: ACA Marketplace

It seems to be $200/month for 3 office visits, a couple dental checks and a $8k deductable -- which hardly seems worth it . I'd self pay but does that mean I am paying out-of-network costs everywhere? The few times we've gone in (wellness check etc), they gave us a discount for being self-pay. Not ...
by Living Free
Sat Nov 02, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: 25yo financial check-in
Replies: 15
Views: 1555

Re: 25yo financial check-in

I'd get rid of those student loans. Get that out of your life.

Financial picture overall looks pretty solid in terms of your net worth, savings rate, and plans for a simple and diversified portfolio.
by Living Free
Mon Oct 28, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Roth vs Roth Brokerage
Replies: 11
Views: 661

Re: Roth vs Roth Brokerage

Is this at vanguard?
by Living Free
Fri Oct 25, 2019 7:01 am
Forum: Personal Investments
Topic: need your wise advice about what to do next in my life
Replies: 24
Views: 3195

Re: need your wise advice about what to do next in my life

hello everyone. I am 31 years old, about to turn 32 and have about 100K saved up. I have two airbnb and another house, which is being rented month to month. my passive income is about 12K per month and i also have a career, but i don't see myself still working at this job in 3-4 years, it just isnt...
by Living Free
Wed Oct 23, 2019 6:58 am
Forum: US Chapters
Topic: Vermont/New Hampshire Bogleheads?
Replies: 4
Views: 289

Re: Vermont/New Hampshire Bogleheads?

You could consider the Metro Boston bogleheads chapter, though that would be a fairly long commute for you coming from the Lebanon area
by Living Free
Wed Oct 16, 2019 10:37 am
Forum: Personal Investments
Topic: HSA and/or 401K
Replies: 19
Views: 801

Re: HSA and/or 401K

I would not forgo tax advantaged space such as an HSA or 401k to put that money towards paying down my primary residence, particularly with mortgage interest rates being what they are. You only get so much space each year in tax advantaged accounts and so many years of being able to contribute to th...
by Living Free
Tue Oct 15, 2019 9:34 am
Forum: Personal Investments
Topic: VTSAX vs VTI and fractional shares
Replies: 6
Views: 467

Re: VTSAX vs VTI and fractional shares

The difference in expense ratio between those will amount to $100 per year for every $1,000,000 invested. So it's not a huge deal either way (that $100 per year or having some amount of money less than price of one share of VTI not invested, which is currently at $151.78 per share)
by Living Free
Mon Oct 14, 2019 7:54 pm
Forum: Personal Investments
Topic: Saving for medium/indefinite term - advice?
Replies: 43
Views: 3353

Re: Saving for medium/indefinite term - advice?

I'd probably favor option B, investing in stock index funds in taxable, given your uncertainty about ever purchasing a home. You could also re-balance to more bonds in your tax advantaged accounts at the same time to sort of split the difference. Just seems like you'd have a huge cash drag if you en...
by Living Free
Sun Oct 13, 2019 2:31 pm
Forum: Personal Investments
Topic: Investment guidance 42 yr old single
Replies: 6
Views: 855

Re: Investment guidance 42 yr old single

Northern Flicker wrote:
Sun Oct 13, 2019 1:06 pm

Also, what is a “Non-retirement IRA”?
I was wondering that too; possibly a non deductible traditional IRA?
by Living Free
Sun Oct 13, 2019 1:58 pm
Forum: Personal Investments
Topic: What should we invest 401k in?
Replies: 5
Views: 431

Re: What should we invest 401k in?

Could you please add the expense ratios of the funds? I presume that the bond market index and S&P500 index will be the best options here (probably could add the S&P600 index if you wanted but not necessary), but please add the expense ratios so we'll know more. also if there is any additional 401k ...
by Living Free
Wed Oct 09, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: lastpass noob question
Replies: 40
Views: 3188

Re: lastpass noob question

I agree with above recommendations to make sure that lastpass will auto log-out after a specified period and upon closing the browser. And make sure that your browser has not remembered the username/password for lastpass
by Living Free
Tue Oct 01, 2019 1:57 pm
Forum: Personal Investments
Topic: What accounts/instruments to finance first?
Replies: 6
Views: 632

Re: What accounts/instruments to finance first?

I agree with above. 529, taxable account, pay down mortgage (or any other debt; if you have non mortgage debt I'd prob do that before taxable investing) are all fine options. Could consider something else if you want such as rental real estate though I personally don't want to fool around with all t...
by Living Free
Tue Oct 01, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Taking Capital Gains in a Low Income Year
Replies: 16
Views: 1903

Re: Taking Capital Gains in a Low Income Year

Filing single or jointly for taxes? if single then you might have to pay taxes if you earn the $10k plus $4k short term capital gains given standard deduction is only $12k for single. If married filing jointly then I agree I'd definitely tax gain harvest.
by Living Free
Mon Sep 30, 2019 9:27 am
Forum: Personal Investments
Topic: Vanguard has almost no funds with $1k minimums??
Replies: 24
Views: 1759

Re: Vanguard has almost no funds with $1k minimums??

I have a UTMA/UGMA for each of my kids at vanguard. I hold ETFs for each there. Both don't have that much money. But for each kid they hold some combination of VTI and VXUS (total US stock market index ETF and total international sock market ETF). I kinda prefer mutual funds but whatever it's not th...
by Living Free
Mon Sep 30, 2019 8:29 am
Forum: Personal Investments
Topic: Backdoor Roth Path Check
Replies: 12
Views: 672

Re: Backdoor Roth Path Check

Bogleheads, Need help checking if the path below is right Background MFJ. Not eligible for Roth I have 401K, Roth and Taxable on my name. I do MBR from 401K directly to Roth. Rather straightforward Spouse has 401K, TIRA and Roth. Currently Spouse doesn't work. Initially she wasn't planning to go wo...
by Living Free
Wed Sep 25, 2019 8:48 am
Forum: Personal Investments
Topic: VTIAX v VFWAX
Replies: 4
Views: 415

Re: VTIAX v VFWAX

I'd prefer the total international stock index fund VTIAX, as it has more holdings than VFWAX (FTSE all world ex us). I believe that VFWAX does not hold small caps (or at least holds less of them). I've tax loss harvested into VFWAX and I'm ok with that fund too though.
by Living Free
Tue Sep 24, 2019 12:33 pm
Forum: Investing - Theory, News & General
Topic: Success without 401k or Stocks?
Replies: 51
Views: 3940

Re: Success without 401k or Stocks?

I should have 1.6m in the roth IRA at 65 assuming 6% return and 6k contribution annually. If you want a 6% return in your Roth IRA then you'll probably need to invest in stocks (or at least REITs, if you favor real estate). Or get a self directed IRA (which I'm not very familiar with) to invest in ...
by Living Free
Tue Sep 24, 2019 9:12 am
Forum: Personal Investments
Topic: What to do next with our money
Replies: 22
Views: 4373

Re: What to do next with our money

You should max out your retirement accounts before you invest in a taxable account. This means the full $19k each in the 401ks and $6k each in Roth IRAs (higher if age 50 or older). I'd probably then pay off the non-mortgage debt prior to investing in a taxable account.
by Living Free
Thu Sep 19, 2019 10:53 am
Forum: Personal Investments
Topic: Newly widowed need investment advice
Replies: 35
Views: 2206

Re: Newly widowed need investment advice

Sorry for your loss. I agree that the fee is too high. If you have $1,868,000 invested with fidelity at 0.82% advisory fee, you'll be paying $15,317.60 per year for the management advice. That would be 14.5% of your pre-tax income per year for this service. AND you lose the future gains of that much...
by Living Free
Mon Sep 16, 2019 11:09 am
Forum: Personal Investments
Topic: Where should we cut back saving/investing?
Replies: 58
Views: 6503

Re: Where should we cut back saving/investing?

Maybe you collect stamps, or antique coins, and could turn this collection into a small fortune by the time you retire. Maybe you have great artistic skills or you like to collect antique cars. Just think about all the ways that you can get super creative to double and triple your income. I have to...
by Living Free
Sat Sep 14, 2019 1:34 pm
Forum: Personal Investments
Topic: Question for Taylor
Replies: 5
Views: 1527

Re: Question for Taylor

My questions for you are do you think that selecting VMATX for the bond piece in the taxable account is taking on too much risk just to avoid $500-600 in Massachusetts income tax and does the overall plan seem reasonable? treasuries would also avoid state income tax but you'd owe federal tax. you s...
by Living Free
Thu Sep 12, 2019 8:00 pm
Forum: Personal Investments
Topic: Education Savings Options vs Retirement Savings
Replies: 10
Views: 1010

Re: Education Savings Options vs Retirement Savings

Questions 1. As mentioned, we would like to to use some discretionary income and drawback on our savings to increase (1) His 403B, (2) paydown mortgage more quickly, and (3) save for college expenses. Perhaps the conventional wisdom would be to max out the contributions (1) before doing (2) and (3)...
by Living Free
Wed Sep 11, 2019 3:01 pm
Forum: Personal Investments
Topic: Tax loss harvesting in brokerage accounts
Replies: 11
Views: 850

Re: Tax loss harvesting in brokerage accounts

I wouldn't worry about the small cap fund. Just tax loss harvest between the total market index fund, s&P 500 index fund, and large cap index fund (i think ticker for vanguard is vv). If you end up with large holdings in taxable in the S&P 500 or large cap index you could supplement with an extended...
by Living Free
Wed Sep 04, 2019 8:18 am
Forum: Personal Investments
Topic: Investment Birthday Gift for Young Family Members
Replies: 5
Views: 534

Re: Investment Birthday Gift for Young Family Members

If the state in which this occurs has the UTMA/UGMA go to the beneficiary at age 21 you could just put it into a UTMA/UGMA account then it would become theirs when they turn 21. Could consider vanguard and use ETFs (VTI and VXUS) which is what I've done for my kids (much younger than 21) as I didn't...
by Living Free
Thu Aug 29, 2019 8:44 pm
Forum: Personal Investments
Topic: Investment/Savings for a child
Replies: 4
Views: 359

Re: Investment/Savings for a child

I have a 9-year-old nephew who is being raised by grandparents. Since I know his parents will never have the means to help him out and his grandparents will soon be retiring and on fixed incomes, I was thinking of starting an account or accounts where the extended family can give periodically extra...
by Living Free
Thu Aug 29, 2019 8:28 pm
Forum: Personal Investments
Topic: 3 Retirement accounts,1 portfolio
Replies: 9
Views: 1173

Re: 3 Retirement accounts,1 portfolio

looks like no other replies yet so here are some further thoughts IRA .29% Cash 5.56% APPLE ROTH 31.87%% Cash 30.26% Dividend paying stocks 8.07% IJR (0.07%) Down 4.4% 7.77% IEMG (0.14%) Down 18.59% 4.34% VEA (0.05%) Down 10.51% 0.26% VWILX (.32%) Down 10.09% HSA 1.89% SPAXX (0.42%) yep! ___________...
by Living Free
Tue Aug 27, 2019 12:19 pm
Forum: Personal Investments
Topic: 3 Retirement accounts,1 portfolio
Replies: 9
Views: 1173

Re: 3 Retirement accounts,1 portfolio

6. Would the CA bonds (CA tax exempt) be suitable for the HSA? Roth? IRA? No. Do not put muni bonds in tax advantaged accounts. Use them in a taxable (non retirement or HSA) account IF you decide to hold bonds in taxable AND the tax equivalent yield favors munis (probably does for you, given the hi...
by Living Free
Fri Aug 23, 2019 12:57 pm
Forum: Personal Investments
Topic: Newbie IRA question
Replies: 7
Views: 407

Re: Newbie IRA question

Thanks. So...what would you do in my position? Start throwing that 'extra' money into a taxable account? Where there is a 403b, there is usually (but not always), also a 457 plan. Check with the employer and max out the 457 plan (deferred compensation plan). With SOME 401k plans, there is an option...
by Living Free
Wed Aug 21, 2019 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Optional Life Insurance (through employer)?
Replies: 34
Views: 1460

Re: Optional Life Insurance (through employer)?

get some quotes from term4sale.com or something like that to get a sense of what prices should be. I think you're quite under-insured (unless I missed some details) with only 1x or 2x salary covered; a general rule of thumb without diving into all the details is 10x salary. i'd favor getting some (o...
by Living Free
Tue Aug 20, 2019 3:15 pm
Forum: Personal Investments
Topic: Newbie IRA question
Replies: 7
Views: 407

Re: Newbie IRA question

ruler1577 wrote:
Tue Aug 20, 2019 11:45 am
Thanks.

So...what would you do in my position? Start throwing that 'extra' money into a taxable account?
Yeah that sounds good. Or pay down debt (such as pay down principal on mortgage if applicable) or put some into a 529 if applicable
by Living Free
Mon Aug 19, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower
Replies: 54
Views: 3546

Re: Battery powered lawn mower

I also have a kobalt 80 volt mower. My yard is smaller but still not tiny (I have a 1.5 acre lot but some of it is just wooded). I have two batteries. It takes me 1.5 battery charges to do the whole yard (front and back), and I just start charging the first battery after it dies and I start using th...
by Living Free
Wed Aug 14, 2019 10:08 am
Forum: Personal Investments
Topic: Portfolio Critique!
Replies: 5
Views: 467

Re: Portfolio Critique!

Learning about personal finance through the Bogleheads resources has completely changed our family's financial picture. Thank you so much for those who build this community. For a long time I've been shy asking for a critique here. But no longer! I would greatly appreciate your feedback on our fina...
by Living Free
Mon Aug 12, 2019 12:57 pm
Forum: Personal Investments
Topic: Natural savers but in the right places? Portfolio overview. Concise questions.
Replies: 8
Views: 929

Re: Natural savers but in the right places? Portfolio overview. Concise questions.

welcome to the forum jak3812! Regarding question 5, yes I would change from the fidelity actively managed target date fund to the fidelity freedom index target date fund. It is considerably cheaper as you have noticed. I hold the fidelity freedom index fund in my HSA at fidelity. To change you shoul...
by Living Free
Sun Aug 11, 2019 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a car, does it make sense to use 401k loan instead of an auto loan?
Replies: 37
Views: 2903

Re: Buying a car, does it make sense to use 401k loan instead of an auto loan?

This vehicle is a mini van for our third child on the way. I want it to last until my kids are in or nearly out of highschool so at least 15 years. In my market a used van with 50k miles is only $3k less expensive than a brand new one. Since I intend to keep it for 15 years I firmly believe I'm bet...
by Living Free
Fri Aug 09, 2019 11:04 am
Forum: Personal Investments
Topic: Roth Conversion Question
Replies: 4
Views: 531

Re: Roth Conversion Question

Welcome to the forum Bgatze If you convert your traditional IRA to a Roth IRA, with a balance of $160k at the 24% tax bracket, you will owe at least (24% x $160k) $38,4000 more in federal income taxes that year (more if it bumps you into a higher tax bracket). If you tax bracket will be lower than 2...
by Living Free
Fri Aug 09, 2019 10:36 am
Forum: Personal Consumer Issues
Topic: Budget Rental Cars Left Me Stranded--Prevention ?
Replies: 42
Views: 2797

Re: Budget Rental Cars Left Me Stranded--Prevention ?

I have never experienced them not having a car either (but I don't use Budget), but ridesharing apps is how I would prevent it. For a short commute, lyft is much cheaper than a rental (especially from the airport) in my area. I think that the 4 year old with a car-seat would make just hopping into ...
by Living Free
Sun Aug 04, 2019 6:13 am
Forum: Personal Finance (Not Investing)
Topic: Individual stocks in Will
Replies: 16
Views: 850

Re: Individual stocks in Will

I would expect the step up basis in death so you won’t have to pay capital gains if you immediately sell upon receiving and then take the proceeds and do whatever- use it for spending money to shelter more money in your retirement accounts vs invest in a tax efficient more diversified fund in a taxa...
by Living Free
Thu Aug 01, 2019 8:24 am
Forum: Personal Investments
Topic: asset allocation - thoughts welcome
Replies: 7
Views: 590

Re: asset allocation - thoughts welcome

Personally I’d want a higher percentage in bonds at only 15 years to retirement
by Living Free
Wed Jul 31, 2019 8:35 pm
Forum: Personal Investments
Topic: 29, just starting out, help appreciated!
Replies: 6
Views: 502

Re: 29, just starting out, help appreciated!

Seems like you have enough cash to pay off all student loans and have a decent emergency fund? If so I'd pay them off - get them out of your life and feel the weight off your shoulders
by Living Free
Wed Jul 31, 2019 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is a 300/500 car policy truly enough?
Replies: 54
Views: 5136

Re: Is a 300/500 car policy truly enough?

Umbrella policies are generally pretty cheap. Like $230 for $1million coverage per year for me so I favor having it. I hope all goes well for everyone involved and that your rates aren't too affected either
by Living Free
Wed Jul 31, 2019 9:38 am
Forum: Personal Investments
Topic: How much life insurance should I get? (baby on the way)
Replies: 44
Views: 2688

Re: How much life insurance should I get? (baby on the way)

Buying a 30 year term policy, you are subsidizing your insurance payments later in life for more than you might need at that point. If one gets to a point when he no longer needs the term life insurance he can simply stop paying the premiums. So I don't understand how one could be so significantly ...
by Living Free
Tue Jul 30, 2019 11:31 am
Forum: Personal Investments
Topic: Portfolio review: 37 years old, no debt, moderate risk level
Replies: 18
Views: 2995

Re: Portfolio review: 37 years old, no debt, moderate risk level

Got it, so the best move for me is to roll my TIRA into my 401k first, and then contribute the $6k to non-deductible TIRA and convert to Roth. Yes, in order to enable yourself to do the "backdoor roth" IRA contribution each year. Your 401k must allow rollovers from the IRA in order to do this. Don'...
by Living Free
Tue Jul 30, 2019 11:07 am
Forum: Personal Consumer Issues
Topic: Whole-house generators - Generac, Kohler, or Briggs?
Replies: 145
Views: 7627

Re: Whole-house generators - Generac, Kohler, or Briggs?

We live in NH and had an 11kw generac w automatic transfer switch and 2 100 gallon propane tanks installed about 1.5 years ago for somewhere in mid $9,000 dollar range. So considering you are getting a larger generator but without the propane tanks & propane the prices you've been quotes seem in lin...
by Living Free
Fri Jul 26, 2019 11:10 am
Forum: Personal Investments
Topic: Retirement Help for Recent Graduate
Replies: 4
Views: 328

Re: Retirement Help for Recent Graduate

Welcome to the forum YoungBoi2. Hey guys, recently have been researching into Boogleheads and had a couple questions for everyone. Quick Background: Just started my first post college job at 22 and am making $60,000/year before taxes. Major Expenses: No car payment, Rent is $1650, no debt, average d...
by Living Free
Fri Jul 26, 2019 10:50 am
Forum: Personal Investments
Topic: new windfall: investment questions
Replies: 22
Views: 4047

Re: new windfall: investment questions

Yes, 7k would be the max for the year for the Roth IRA (provided you earn at least that much income that year). So your options beyond that if you freelance would include considering solo 401k (as someone suggested above) or other self directed retirement account (I'm not too savvy with these but in...
by Living Free
Thu Jul 25, 2019 3:08 pm
Forum: Personal Investments
Topic: new windfall: investment questions
Replies: 22
Views: 4047

Re: new windfall: investment questions

travelogue wrote:
Mon Jul 22, 2019 1:12 pm

* You could backdoor Roth.
I don't believe there is any need for someone in the 12% tax bracket to do a backdoor Roth. With that sort of income one should be able to do direct Roth IRA contributions.