Search found 89 matches

by Thecallofduty
Thu Feb 21, 2019 9:33 am
Forum: Personal Investments
Topic: Lump-sum capital - how to handle?
Replies: 7
Views: 536

Re: Lump-sum capital - how to handle?

https://www.bogleheads.org/wiki/Managing_a_windfall


Take your time. Read the wiki. Read some books. Then figure out how you would like to invest the large sum.
by Thecallofduty
Wed Feb 20, 2019 12:12 pm
Forum: Personal Investments
Topic: Eliminate my emergency fund?
Replies: 90
Views: 7187

Re: Eliminate my emergency fund?

This thread about having EFs or not and the threads regarding 529 or not always have very interesting points. Personally I keep my EF in a money market account. I do not want to touch my taxable total stock market fund in next 15 years unless I am purposefully going to tax loss harvest. Carry on :sh...
by Thecallofduty
Wed Feb 20, 2019 9:49 am
Forum: US Chapters
Topic: Do you discuss BH philosophy with others?
Replies: 66
Views: 4005

Re: Do you discuss BH philosophy with others?

Quick answer is yes. I never discuss my personal finances but am willing to discuss basics about tax deferred plans, index funds, benefits of hsa, etc.
by Thecallofduty
Tue Feb 19, 2019 8:57 pm
Forum: Personal Investments
Topic: Hourly fee-based advisor?
Replies: 32
Views: 2404

Re: Hourly fee-based advisor?

Assuming you are looking for a certified financial advisor who is a fudiciary, maybe start here:

https://www.napfa.org/find-an-advisor


Also if you have specific questions feel free to ask here with all details. You will likely receive great advice.
by Thecallofduty
Mon Feb 18, 2019 10:09 pm
Forum: Personal Investments
Topic: Help choosing 401k funds
Replies: 14
Views: 881

Re: Help choosing 401k funds

In regards to your second question. For example you dont want to put 80% stocks 20% bonds in each seperate account. The cmulative total of all accounts should add up to 80% stocks and 20% bonds. Hope that helps
by Thecallofduty
Mon Feb 18, 2019 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: High earners: thoughts on college and aid
Replies: 91
Views: 7765

Re: High earners: thoughts on college and aid

I am planning kids future with assumption they will recieve 0 aid.
by Thecallofduty
Mon Feb 18, 2019 12:32 am
Forum: Personal Consumer Issues
Topic: Working remotely + lot of vacations
Replies: 25
Views: 3197

Re: Working remotely + lot of vacations

I would just plan ahead and rent a house you both like or want to try out during the summer vacation or other times you want to leave the bay area. Im sure there is good deals for Monthly rentals. Sounds like you have a good gig and lots of potential to have new experiences with the family. Renting ...
by Thecallofduty
Mon Feb 18, 2019 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Continue with home project or not?
Replies: 37
Views: 3479

Re: Continue with home project or not?

Tim1999 made some good comments. You have 5 children and want to be walking distance to schools in a good area. Why are you letting your neighbor dictate how you run things. Go through the proper channels, ensure this can all be legally done, and enjoy your life. You cant make everyone happy. P.s Ma...
by Thecallofduty
Sun Feb 17, 2019 10:32 pm
Forum: Personal Investments
Topic: Life Advice... Employer 401K
Replies: 13
Views: 934

Re: Life Advice... Employer 401K

https://www.bogleheads.org/wiki/Traditional_versus_Roth Thank you for this. It does make sense as to why I would choose a Roth. To lakpr , I think I can manage 10%. I was planning to contribute more than the default of 3%. You make a good argument to contribute to the Roth 401K. Which fund/s would ...
by Thecallofduty
Sun Feb 17, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...
Replies: 136
Views: 8347

Re: I want a new Audi A6 2018 (50k) - Can I afford it? Or is this just a really dumb decision...

OP, I just want to say you are on the right track at your age with placing money away for retirement; 401k,ira,hsa, and taxable. Many do not learn this so young. I will not tell you what to do as it is a personal decision and you do have the finanicial Means but I think whatever you decide you will ...
by Thecallofduty
Sat Feb 16, 2019 4:16 pm
Forum: Personal Investments
Topic: Portfolio too diversified?
Replies: 15
Views: 915

Re: Portfolio too diversified?

Your MIL has many options, but the two I recommend are to either call Vanguard PAS for a consultation, or post all the details on this forum for an in-depth portfolio review. There's a lot of information needed in order to do it right, but she and you will gain significant insight by digging into t...
by Thecallofduty
Sat Feb 16, 2019 10:42 am
Forum: Personal Investments
Topic: Am I trying to time the market?
Replies: 20
Views: 1165

Re: Am I trying to time the market?

Hi everyone, I'm a novice that has recently been reading my Bogelhead book and obsessing on this site. I started an emergency fund with 50k. Also I started dollar-cost indexing biweekly on my pay period into Vanguard VTSAX. I have a company sponsored 401k which I contribute to get my employer match...
by Thecallofduty
Sat Feb 16, 2019 10:19 am
Forum: Personal Investments
Topic: Portfolio too diversified?
Replies: 15
Views: 915

Re: Portfolio too diversified?

Hi. Any chance you can let us know what type of accounts these are in specifically as there may or may not be tax implications with selling off/rebalancing the portfolio. Also can you list the expense ratio for the funds. Lastly, is she managing these herself and does she want your specific advice o...
by Thecallofduty
Sat Feb 16, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Best way to Transfer property
Replies: 16
Views: 1171

Re: Best way to Transfer property

masonstone wrote:
Sat Feb 16, 2019 9:24 am
What is the best way to transfer a property from my father to myself and avoid paying taxes. The property is worth about 800K and is located in California.
Quitclaim deed?
by Thecallofduty
Fri Feb 15, 2019 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Invest or 529 PLan
Replies: 63
Views: 2024

Re: Invest or 529 PLan

Thanks for the info so far. Yes, I will qualify for full benefits in SS along with getting my pension. The pension does have COLA and survivor benefits as well. In our state you can deduct up to $5000 for state income tax. Our jobs are very stable and we do have a solid emergency fund. We also are ...
by Thecallofduty
Thu Feb 14, 2019 7:55 pm
Forum: Personal Investments
Topic: Straying from "investment plan" for the purpose of tax efficiency?
Replies: 7
Views: 726

Re: Straying from "investment plan" for the purpose of tax efficiency?

Hi In general there are ways to usually accomadate your asset allocation with no major issues. Example- if you place all your bonds in 401k and you still need to add more to portfolio as per your asset allocation then you start placing in ira. If thats full then taxable is next and you just choose w...
by Thecallofduty
Thu Feb 14, 2019 3:10 pm
Forum: Personal Investments
Topic: Please help with 403b
Replies: 4
Views: 324

Re: Please help with 403b

I would do: Pre-tax max of $19k: 80% Transamerica Stock Index R4 20% Pioneer Bond Y Put International in Roth IRA. You should be doing a back door Roth IRA each year. $5,500 for 2018. $6,000 for 2019. It sounds like you are doing this with your non-deductible Traditional IRA to Roth comments. Bonds...
by Thecallofduty
Thu Feb 14, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Switching insurance, timing cancelation of old
Replies: 14
Views: 957

Re: Switching insurance, timing cancelation of old

As everyone stated above make sure new policy is in effect THEN cancel old policy.
by Thecallofduty
Wed Feb 13, 2019 1:15 am
Forum: Personal Consumer Issues
Topic: One week family vacation in Miami/Fort Lauderdale Area
Replies: 38
Views: 2389

Re: One week family vacation in Miami/Fort Lauderdale Area

Hi, Ive been to that area several times. I really like Fort Lauderdale area over Miami. I would prefer a car rental. We usually go out often so makes sense for us to drive wherever/whenever. You can get good deals especially out of fort lauderdale airport. The rental cars have an option to put somet...
by Thecallofduty
Tue Feb 12, 2019 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put money aside for car fund?
Replies: 16
Views: 1675

Re: Where to put money aside for car fund?

Personally i would choose Vanguard money market or high yield savings.
by Thecallofduty
Tue Feb 12, 2019 1:10 am
Forum: Personal Finance (Not Investing)
Topic: Bad Idea or Good Idea? - Investing in 529 College Savings Plan
Replies: 70
Views: 4482

Re: Bad Idea or Good Idea? - Investing in 529 College Savings Plan

Short answer is it depends. We need to know more about your financials.
by Thecallofduty
Mon Feb 11, 2019 10:56 pm
Forum: Personal Investments
Topic: 401K Election Options
Replies: 6
Views: 476

Re: 401K Election Options

You wanna think long term with the 401k and go with low expense options.

These would be my choices:

Fid us bond inx ER .03
Fid tot mkt ER.02
Fid intl indx .05
by Thecallofduty
Mon Feb 11, 2019 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: fire buyer's real estate agent
Replies: 34
Views: 2689

Re: fire buyer's real estate agent

Let them know you no longer require his/her service.
by Thecallofduty
Mon Feb 11, 2019 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: fire buyer's real estate agent
Replies: 34
Views: 2689

Re: fire buyer's real estate agent

Simply call them, thank them for their time and effort and let them know you will be parting ways.

If they ask why then feel free to explain your reasoning.
by Thecallofduty
Mon Feb 11, 2019 4:59 pm
Forum: Personal Investments
Topic: still contribute to IRA even if it is not pretax?
Replies: 16
Views: 1601

Re: still contribute to IRA even if it is not pretax?

Correct. Look up the pro rata rule for more details. If possible roll over ira to 401k then you can start contrubuting and making backdoor roth conversions.
by Thecallofduty
Mon Feb 11, 2019 2:58 am
Forum: Personal Investments
Topic: Vanguard Roth IRA advice
Replies: 17
Views: 1554

Re: Vanguard Roth IRA advice

You are 22 years old and have quite a long time frame from retiring. I personally would NOT be at 20% bonds. I would be at 10% max. This is assumig you plan on retiring in 25/30 years. But that is a trivial matter as the amount of money you save at your age is what matters most. I personally do abou...
by Thecallofduty
Sun Feb 10, 2019 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: How do I keep from becoming irrelevant
Replies: 57
Views: 7815

Re: How do I keep from becoming irrelevant

Increase the amount you save. This will allow you to become financially independent sooner.
by Thecallofduty
Sun Feb 10, 2019 9:55 pm
Forum: Personal Investments
Topic: FIRE? Need second pair of Bogle-eyes for retirement plan
Replies: 22
Views: 2770

Re: FIRE? Need second pair of Bogle-eyes for retirement plan

Assuming all things stay the same and no downturn: if you were to retire and simply use ur current investments( minus the house) and withdraw 4% that would be a withdrawl rate of 145k roughly. Add the pension and your at 163k yearly. A little shy of 175k until you are taking social security unless I...
by Thecallofduty
Sat Feb 09, 2019 5:37 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check on Job Offer with a Big Move
Replies: 13
Views: 1808

Re: Sanity Check on Job Offer with a Big Move

Sounds like you are investing in yourself with this move. You state you will have better long term career advancement opportunities by taking this offer. With only 1 preschooler should not be too difficult to make the move hopefully I see no major red flags. I assume you plan to rent? You can live w...
by Thecallofduty
Fri Feb 08, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Money saving move you regret the most?
Replies: 120
Views: 11424

Re: Money saving move you regret the most?

- Used third part booking sites a while back. I Never use em anymore. You are on your own when theres an issue. -someone mentioned flying spirit. Oh man I really dislike this airline as well and have tried to avoid at all costs BUT sometimes its so hard to justify spending 300 dollars per ticket mor...
by Thecallofduty
Fri Feb 08, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 3946

Re: Is General Practitioner [billing Medicare correctly?]

OP , Have you spoken your concern directly with the doctor. I feel that a good physician will listen to your concern and try to make things right or at least give you a through justification on the charges. I doubt that doctor was going out of their way to find an extra way to add fees when you wer...
by Thecallofduty
Fri Feb 08, 2019 4:04 pm
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 3946

Re: Is General Practitioner [billing Medicare correctly?]

OP , Have you spoken your concern directly with the doctor. I feel that a good physician will listen to your concern and try to make things right or at least give you a through justification on the charges. I doubt that doctor was going out of their way to find an extra way to add fees when you were...
by Thecallofduty
Thu Feb 07, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: How many hours do you work and what do you outsource
Replies: 88
Views: 8085

Re: How many hours do you work and what do you outsource

Step 1: do you have financial priorities in order, i.e saving adequately for retirement, emergency fund, auto investing, no carry over credit card balances, etc. If yes then I see no reason not to make your extra spending money work for you. Some ideas: Deliver your groceries. It is well worth the m...
by Thecallofduty
Wed Feb 06, 2019 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Move $ from brokerage to 529?
Replies: 3
Views: 403

Re: Move $ from brokerage to 529?

Well, I think it depends. Probably need some numbers from OP to say. Example. 10000 investment grew to 11k. 15% tax is 150 dollars Put the money for 17 years in 529 is probably a good idea. Really depends on the investment amount and capital gains amount. Obviously if orginal nvestmemt was 10k and g...
by Thecallofduty
Wed Feb 06, 2019 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Employer wants to borrow $50k
Replies: 51
Views: 3105

Re: Employer wants to borrow $50k

Most people are worried about NOT getting a pay raise at their job. And your husband is worried about not giving his EMPLOYER Money?

Im just as shocked as everyone else here he is considering it.

I hope he reads all the replies.

Good luck!
by Thecallofduty
Tue Feb 05, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Is General Practitioner [billing Medicare correctly?]
Replies: 88
Views: 3946

Re: Is General Practitioner Scamming Medicare

Hi

I think the advanced care planning is a requirement To be asked during wellness visit. Did not know it was a seperate charge though.

In regards to the gerd was it a problem addressed during the visit?
by Thecallofduty
Tue Feb 05, 2019 2:00 am
Forum: Personal Investments
Topic: Please critique portfolio for a young investor
Replies: 3
Views: 482

Re: Please critique portfolio for a young investor

Just my thoughts: If you expect to have that same ratio of taxable to roth moving forward you could just put: 30k Roth: 100% total stock market 70k Taxable: 50% total stock, 50% international Is your 20k cash for bills/checking or part of total portfolio for investments? Consider putting in high yie...
by Thecallofduty
Tue Feb 05, 2019 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Chase credit card dispute - denied
Replies: 141
Views: 9640

Re: Chase credit card dispute - denied

Genuinely curious. Dont you have to show ID when you rent a car? Do they have a copy of ID of whoever rented the vehicle?
by Thecallofduty
Mon Feb 04, 2019 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Chase credit card dispute - denied
Replies: 141
Views: 9640

Re: Chase credit card dispute - denied

You informed chase you had fradulent charge and they still put the charge back on? That sounds unusual. Did you not have your card cancelled immediately after your first call with the bank?
Something does not sound right.
by Thecallofduty
Mon Feb 04, 2019 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Which debt to payoff?
Replies: 22
Views: 1473

Re: Which debt to payoff?

If it were me:

Pay off debt 2. I see no reason to keep this debt when you are able to pay it off completely.
by Thecallofduty
Mon Feb 04, 2019 9:52 pm
Forum: Personal Investments
Topic: New to the board, Looking for review/ advice/ guidance
Replies: 13
Views: 794

Re: New to the board, Looking for review/ advice/ guidance

Thanks for the reply Our emergency fund is $80k and at sinchrony in a high yield saving account (2.2% I believe) I have seen on here frequently that target date funds are generally frowned on, so I’ll make those changes for sure Thanks! [/quote] - That is a nice Emergency fund and you have it placed...
by Thecallofduty
Mon Feb 04, 2019 3:28 am
Forum: Personal Investments
Topic: Accumulating to Spending Stage
Replies: 23
Views: 1995

Re: Accumulating to Spending Stage

I am not reitred nor am I an expert. I do completely agree with you that if you are expecting to live 50 years than an annuity is not the wisest investment. Lets assume you are currently retiring. When do you expect social security? Any pension? I do think you are too stock heavy at 95% but then aga...
by Thecallofduty
Mon Feb 04, 2019 2:11 am
Forum: Personal Investments
Topic: Help w my retirement plan
Replies: 20
Views: 2408

Re: Help w my retirement plan

I would not focus on house down payment yet. If it were me this is what I would do: Max 401k Build emergency fund. Should be easier now that you have no student loans. You can put in a high yield fdic insured saving account or something like vanguard money market fund. Continue to contribute to ira ...
by Thecallofduty
Sun Feb 03, 2019 10:31 am
Forum: Personal Investments
Topic: Help Convincing Spouse
Replies: 60
Views: 4792

Re: Help Convincing Spouse

Draw out the numbers for your spouse and explain in an objective manner how much more money you both will have in retirement if you stick with low cost funds and providers.
by Thecallofduty
Sat Feb 02, 2019 2:01 pm
Forum: Personal Investments
Topic: 4 fund portfolio
Replies: 9
Views: 1160

Re: 4 fund portfolio

No need for concern. No one is here to critize. Just easier to offer an opinion if the whole portfolio picture is clear.

Any yea in general any holdings less than 10% will likely have no major impact in portfolio performance so best not to hold something if its onky 5%,1% etc.
by Thecallofduty
Sat Feb 02, 2019 10:44 am
Forum: Personal Investments
Topic: 4 fund portfolio
Replies: 9
Views: 1160

Re: 4 fund portfolio

If you would like a detailed review it would be best to post what funds you have in each account, the expense ratios, and amount of money in each account. From there maybe someone can give you more detailed feedback.
by Thecallofduty
Sat Feb 02, 2019 10:23 am
Forum: Personal Investments
Topic: 3 fund portfolio
Replies: 8
Views: 1022

Re: 3 fund portfolio

As others mentioned the amount you put in at an early age is what matters most now. In regards to asset allocation you can look at different brokerages target date funds to compare how much they allocate towards stocks/bonds/international. At end of day its your choice and what your comfortable with...
by Thecallofduty
Sat Feb 02, 2019 2:54 am
Forum: Personal Investments
Topic: New Retirement Plan - Advice Needed
Replies: 4
Views: 513

Re: New Retirement Plan - Advice Needed

Based on your post, Your total asset allocation is 80/20 which seems about right for your age. You are contributing 60% to total stock market, 20% total international ans 20% bonds assuming your total contribution on all accounts is 10k for the year. Any lower expense ratio bond fund in 401k? Im no ...
by Thecallofduty
Sat Feb 02, 2019 2:31 am
Forum: Personal Investments
Topic: 29yo Military - Help, AA across Roth TSP & Roth IRA
Replies: 11
Views: 973

Re: 29yo Military - Help, AA across Roth TSP & Roth IRA

People use roth ira as one of several tools to maximize their retirement savings. One of the perks is that unlike a 401k, you can withdraw your contributions penalty free. You will be penalized if you take out any earnings though. So basically if you contributed 6k to roth ira and in future you need...
by Thecallofduty
Sat Feb 02, 2019 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Age discrimination in the medical professions as one gets older?
Replies: 40
Views: 3856

Re: Age discrimination in the medical professions as one gets older?

OP. I dont have a direct answer to your question. All I can say if there is non clinical work then you are gonna purse training at an advanced age for a chance of getting a job that maybe really really limited to find. PA is a great field. Just dont want you to have all eggs in one basket and not ge...