Search found 8 matches

by daca
Thu Apr 02, 2020 8:30 am
Forum: Personal Investments
Topic: Advice for a 26 year old with $400k cash
Replies: 76
Views: 5026

Re: Advice for a 26 year old with $400k cash

You could technically max out your 401k, IRA etc and live off of part of that 400k. For example, 19.5k + 6k = 25.5k into tax advantaged space. You could take that $25.5k out of the 400k if you need to make up the difference in your take home pay.
by daca
Mon Mar 02, 2020 7:04 pm
Forum: Personal Investments
Topic: it's better to do Roth conversion in a down market ?
Replies: 31
Views: 2824

Re: it's better to do Roth conversion in a down market ?

Short answer is yes. A Roth conversion is a taxable event. In a down market the value of your fund shares is lower than in an up market, which results in you paying less taxes for the Roth conversion. To be clearer, if I convert $10k for example, the taxes I'm paying will be the same right? It's on...
by daca
Sat Oct 12, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 5785

Re: Best No Annual Fee Visa Credit Card with Cash Back

Depending on what card you are referring to, you may be able to do a product change to downgrade to a no-fee version. What is the card that you are wanting to close that has a 20 year history?
by daca
Wed Aug 21, 2019 9:45 pm
Forum: Personal Investments
Topic: Vanguard Logon Trouble?
Replies: 19
Views: 908

Re: Vanguard Logon Trouble?

Did you try different browsers on the same computer? i.e., Firefox vs Chrome vs Safari, etc?

I used to have problems with the site on Chrome, and it went away when I disabled all my browser extensions.
by daca
Tue Aug 13, 2019 10:12 pm
Forum: Investing - Theory, News & General
Topic: Where are invested dollars coming from?
Replies: 5
Views: 696

Re: Where are invested dollars coming from?

Throwing some figures into this mix for consideration: For ITOT, I'm guessing part of the $2.5 billion is attributable to price increases, but also there is a measurement called net inflow/outflow. During the past week (8/6 - 8/12), ITOT had an inflow of $665 million, probably from other funds and a...
by daca
Thu Aug 08, 2019 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals
Replies: 61
Views: 4759

Re: Bogleheads, give me strength to resist a car purchase when I find myself way ahead of our financial goals

I can see that the struggle is real! :D It's a hard choice, because both options are attractive to you. As time goes on and your current car gets older, the tug of the new car will get stronger and stronger. The thing is, if you choose to not buy now, you can always change your mind down the road, i...
by daca
Wed Aug 07, 2019 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1670
Views: 241461

Re: Fidelity as a one stop shop

Although I use the CMA because I prefer having 1 month of expenses in FDIC, the interest you'll make by using the brokerage instead would probably more than offset any ATM fees redunded by the CMA. All you have to do is buy SPRXX in your CMA to enjoy both the ATM fee refunds and the higher interest...
by daca
Tue Aug 06, 2019 9:12 pm
Forum: Personal Consumer Issues
Topic: Need a Printer!
Replies: 21
Views: 1503

Re: Need a Printer!

I used to tinker with hardware scanners. Now I just use my Dropbox app to scan paper right from the phone. I like using it much better than a hardware-based scanner. Just a thought.