Search found 22 matches

by Samueul
Thu Mar 04, 2021 9:59 am
Forum: Personal Investments
Topic: TSP Allocations Out Of "L" Fund
Replies: 23
Views: 1055

Re: TSP Allocations Out Of "L" Fund

C:50
S:30
F:20
by Samueul
Wed Mar 03, 2021 3:29 pm
Forum: Personal Investments
Topic: bond fund to cash
Replies: 7
Views: 951

Re: bond fund to cash

I don’t know, sounds like you are risking losing all your gains to date by converting to cash without an actual plan other than what you are hearing on the headwinds. Remember Buffet’s opinion of bonds is cushioned by the fact that he has billions in cash reserves already. Do you? :) I would think y...
by Samueul
Wed Mar 03, 2021 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Mechanics of teen's 1st tax return
Replies: 35
Views: 1981

Re: Mechanics of teen's 1st tax return

Our teen daughter has a part time job, no investments, so she only has to file using her W2, no kiddie taxes to worry about. Her’s is pretty easy. Uses FreeTaxUSA and files single and that someone else can claim her and we file joint and that she is our dependent. She gets a small bit back and has i...
by Samueul
Sun Feb 28, 2021 3:37 pm
Forum: Personal Investments
Topic: Cash in Sweep Account
Replies: 6
Views: 470

Re: Cash in Sweep Account

Does anyone just leave money or actively keep cash there? For Vanguard, sweep is their VFMMX federal money market fund.
by Samueul
Sat Feb 13, 2021 8:30 pm
Forum: Personal Investments
Topic: Bonds for Emergency Fund Investing?
Replies: 24
Views: 1209

Re: Bonds for Emergency Fund Investing?

When referencing bonds for EF, I’m assuming you all are talking taxable brokerage accounts and not tax advantage since an emergency fund needs to be some measure of liquid? Since bonds in taxable aren’t optimal, is this an instance when it would be acceptable since it is assumed that EF’s balance is...
by Samueul
Mon Dec 28, 2020 9:54 am
Forum: Personal Investments
Topic: GNMA fund or VBTLX
Replies: 13
Views: 982

Re: GNMA fund or VBTLX

I guess there is no need to fret over which one to choose over a four year time period. GNMA is an extremely safe and low volatility fund, lower variance than both TBM and IT Treasury funds on a monthly basis over the last 35 years or so it has existed. All the complaints you will hear about it reg...
by Samueul
Thu Dec 24, 2020 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Early withdrawal - how does Roth IRA work?
Replies: 44
Views: 1881

Re: Early withdrawal - how does Roth IRA work?

bugleheadd wrote: Thu Dec 24, 2020 5:37 pm i thought the 5 year rule applies to conversions, not contributions
It does. You can pull your Roth contributions out any time without penalty, you just may have to file IRS form 8606 at tax time to make sure they don’t deem it a non-qualified withdrawal.
by Samueul
Sun Dec 06, 2020 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Capital One is at it again
Replies: 147
Views: 18910

Re: Capital One is at it again

At this point I’m either leaving my smallish amount of cash in Ally Savings or moving what I consider emergency fund cash to my Vanguard taxable sweep account VMFXX and forgetting about it. Just too much hassle for the amount of cash I keep to chase rates, or deal with extra accounts etc. Trying to ...
by Samueul
Sun Nov 22, 2020 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Do I really have to save another $250 a month in the 529?
Replies: 42
Views: 4557

Re: Do I really have to save another $250 a month in the 529?

I have a two year old and my income has been severely impacted this year and for the foreseeable future. I have 40k in the 529 and was planning on getting to 50k before he is 3 and stopping contributions for his education as we are hoping to have another child and I would like to divert funds there...
by Samueul
Tue Sep 15, 2020 4:19 pm
Forum: Personal Investments
Topic: Vanguard Total World vs. Vanguard Total Stock Market + Vanguard Total International
Replies: 11
Views: 1141

Re: Vanguard Total World vs. Vanguard Total Stock Market + Vanguard Total International

I’m lazy and don’t want to manage two funds or worry about my us/international ratios.
by Samueul
Sat Aug 29, 2020 7:21 am
Forum: Personal Investments
Topic: Stock split help
Replies: 10
Views: 972

Re: Stock split help

The lone share you purchased will split, eventually. I’m waiting on my Apple split which hasn’t registered in E*Trade yet. As of this morning Vanguard updated the quantity of my AAPL holdings but not the price per share. Had to do a double take when I saw an extra $998,000 in my account. I’m sure i...
by Samueul
Wed Aug 26, 2020 7:10 pm
Forum: Personal Finance (Not Investing)
Topic: Is cash really king?
Replies: 35
Views: 3799

Re: Is cash really king?

Well, the FED said they were keeping interest rates near zero for the next five years so I don’t know...
by Samueul
Thu Aug 20, 2020 7:16 pm
Forum: Personal Investments
Topic: How often are you adding to taxable accounts?
Replies: 78
Views: 5140

Re: How often are you adding to taxable accounts?

Notsobad wrote: Wed Aug 19, 2020 9:44 pm Once a month, on the first, with an automatic investment.
However, when there is leftovers after expenses, I send some more.
This is exactly what Ido.
by Samueul
Sun Mar 29, 2020 7:05 pm
Forum: Personal Investments
Topic: Does anyone use a one fund portfolio?
Replies: 34
Views: 4549

Re: Does anyone use a one fund portfolio?

Redlion wrote: Sun Mar 29, 2020 12:51 pm Not sure if anyone mentioned this, The Life Strategy funds can be used as a one fund portfolio and are pretty common.
Yep, all in on VASGX (Growth fund 80/20) in my Roth, will switch to moderate growth fund when I hit 50 and go from there.
by Samueul
Sun Mar 01, 2020 7:16 am
Forum: Personal Investments
Topic: Would you wait?
Replies: 44
Views: 4901

Re: Would you wait?

Good advice, the market today recovered almost all of it’s losses by closing. Recovered almost all of it's losses? Which market are you talking about? The US markets all mostly recovered from the initial selloff that began at opening this morning. At one point today the DOW for example was down 101...
by Samueul
Fri Feb 28, 2020 6:33 pm
Forum: Personal Investments
Topic: Would you wait?
Replies: 44
Views: 4901

Re: Would you wait?

Good advice, the market today recovered almost all of it’s losses by closing. Recovered almost all of it's losses? Which market are you talking about? The US markets all mostly recovered from the initial selloff that began at opening this morning. At one point today the DOW for example was down 101...
by Samueul
Fri Feb 28, 2020 4:27 pm
Forum: Personal Investments
Topic: Would you wait?
Replies: 44
Views: 4901

Re: Would you wait?

Just dollar cost average a certain amount over a time frame of your choice and be done with it. Market could rise all next week only to far further the following. Nobody knows nothin' :beer Good advice, the market today recovered almost all of it’s losses by closing. Those who “bought the dip” at 1...
by Samueul
Sat Feb 22, 2020 8:07 am
Forum: Personal Finance (Not Investing)
Topic: How Many Accounts for Cash?
Replies: 52
Views: 4246

Re: How Many Accounts for Cash?

4 Accounts 1 Checking with Ally which is our master account 1 Savings with Ally which is our cash on hand/emergency fund account 1 Checking with CapOne360 for our teenager who just started working 1 Checking at my local credit union that my wife uses for her small business and for cash deposits. I’d...
by Samueul
Mon Feb 17, 2020 11:21 am
Forum: Personal Finance (Not Investing)
Topic: What brokerages pay good rates on cash?
Replies: 7
Views: 675

Re: What brokerages pay good rates on cash?

CapitalOne Performance Savings is 1.7% right now.
by Samueul
Mon Feb 10, 2020 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 15163

Re: Wife's oncologist has stopped treatment, is recommending hospice

...Understand, Hospice is not always the end of life though it usually means all other avenues of treatment are no longer valid. I had a good friend go into hospice for 3 months and his cancer went into remission and he came out of it and he is still living a full life today. Yes, that's what I was...
by Samueul
Sun Feb 09, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 15163

Re: Wife's oncologist has stopped treatment, is recommending hospice

First, sorry to hear about your situation, as someone who just went through this with my father, it’s really tough. My father was diagnosed with Gliablastoma (brain cancer) in april of 19’. After all treatment failed, he entered into professional home hospice care in Dec 19’. Because it was home hos...
by Samueul
Thu Jan 23, 2020 4:04 pm
Forum: Personal Investments
Topic: TSP G or F fund for money not needed for 8-16 years?
Replies: 29
Views: 2158

Re: TSP G or F fund for money not needed for 8-16 years?

New guy here, also a FED. I probably won’t touch the G fund until i’m much closer to retirement but I keep an AA of 53/27/20 (C,S,F). My understanding is that the government can dip their hands into the G fund if they need to, if so, wouldn’t that subject the fund to instability outside of market fo...