Search found 692 matches

by Alto Astral
Tue Sep 18, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Elderly parents are in debt - Need advice
Replies: 39
Views: 4855

Re: Elderly parents are in debt - Need advice

Makes sense. You could present it this way: your dad could temporarily make you/siblings the beneficiary. Then proceed with bankruptcy filings. After that's done, he could change back the beneficiary your mom again. This should be an easier conversation.
by Alto Astral
Tue Sep 18, 2018 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs save $1.5K/year
Replies: 12
Views: 1710

Re: HSA vs save $1.5K/year

Can you switch to her plan if you have access to health insurance from your own employer? That may not be allowed by her plan. Or do you have children and they would be switching from your plan to hers? We did the latter a few years ago. So wife and children on her PPO while I remain on my HD/HSA p...
by Alto Astral
Mon Sep 17, 2018 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs save $1.5K/year
Replies: 12
Views: 1710

Re: HSA vs save $1.5K/year

-edit- why is there a $1500 fee? An HSA provider shouldn't be more than a few bucks per month to invest. You can choose your own provider with reasonable fees. The $1500 is the extra, after-tax, cost for the HDHP vs. the non-HDHP insurance. I think the tool the OP used ('HDHP Analysis' tab in that ...
by Alto Astral
Mon Sep 17, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs save $1.5K/year
Replies: 12
Views: 1710

Re: HSA vs save $1.5K/year

If it's me, I'd do her plan. The HSA tax savings is not quite that much considering how much more you're saving on her plan. Yes, the HSA savings were good when I compared the traditional and HDHP plans from my employer. I agree that compared to her plan, the savings HSA don't seem a lot. There is ...
by Alto Astral
Mon Sep 17, 2018 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs save $1.5K/year
Replies: 12
Views: 1710

Re: HSA vs save $1.5K/year

Hey Alto, I'm fairly new to the HDHP+HSA as well. Question for you - are you currently maxing out your HSA with the individual or family max ($3450 vs $6900)? I'm assuming your his/her options imply that your entire family will be covered by either or? TY! I am doing the family max of $6900. Yes, t...
by Alto Astral
Mon Sep 17, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: HSA vs save $1.5K/year
Replies: 12
Views: 1710

Re: HSA vs save $1.5K/year

Yeah, I'd be losing the HSA option and the tax savings. But I don't believe it makes sense to pay $1.5K/year for the option to have an HSA. I would put the savings in premiums into the Total Stock Market fund in my taxable account.
by Alto Astral
Sun Sep 16, 2018 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs save $1.5K/year
Replies: 12
Views: 1710

HSA vs save $1.5K/year

Hi, So far, I've been maxing out my HSA with my HDHP and paying any costs out of pocket (not via HSA). Doctor visits, tests etc in 2018 totaled $500. My HSA has around $3K so far and its all invested in Vanguard Total Stock Market Index fund. My wife's employer has a significantly lower premium on t...
by Alto Astral
Sun Sep 09, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: TSP G Fund and old 401k
Replies: 8
Views: 1038

Re: TSP G Fund and old 401k

My own.personal preference would be to rollover her old 401k into the TSP, simply to reduce the number of accounts to manage. But that's just personal preference. Why not adjust the asset allocation to your desired 70/30 all at once, rather than move toward it gradually using the contributions to t...
by Alto Astral
Sun Sep 09, 2018 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: General check-up on retirement financial status
Replies: 22
Views: 1682

Re: General check-up on retirement financial status

elgob wrote:
Sun Sep 09, 2018 7:07 pm
Many thanks for any input! I'm in awe of the collective expertise on this forum.
I am in awe of your savings. I am 39 so I am sorry, I can't help with your question. But I would like to congratulate you on a financially comfortable retirement.
by Alto Astral
Sun Sep 09, 2018 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Seekng Advice
Replies: 6
Views: 574

Re: New Investor Seekng Advice

I am assuming that you are looking for growth of your investment. Since its $100/month, I am also assuming that you are okay with a higher risk. In that case I would recommend the Vanguard Total Stock Market ETF. Its diversified and can get you a decent return for the risk: https://investor.vanguard...
by Alto Astral
Sun Sep 09, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: TSP G Fund and old 401k
Replies: 8
Views: 1038

Re: TSP G Fund and old 401k

My own.personal preference would be to rollover her old 401k into the TSP, simply to reduce the number of accounts to manage. But that's just personal preference. Makes sense. I like fewer accounts too. I was hesitant due to the withdrawal restrictions etc that I was reading about. But I believe al...
by Alto Astral
Sun Sep 09, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: TSP G Fund and old 401k
Replies: 8
Views: 1038

Re: TSP G Fund and old 401k

Yes, sounds fine. But why put all of hers in the G fund? It is a great fund, but why not diversify your funds withn TSP? Only the 500 Index fund in my current 401k has a decent ER. So I have have all of my $18k/year going there. My old 401k had a mix of low ER (50% large cap + 20% Small/Mid Cap). A...
by Alto Astral
Sun Sep 09, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: TSP G Fund and old 401k
Replies: 8
Views: 1038

Re: TSP G Fund and old 401k

If you aren't already invested in international markets you could also put her TSP savings into the I fund. It's a low expense ratio compared to comparable international index funds at Vanguard, et al. I've not had any international in my AA so far. I've tried to keep it as close simple 2-fund port...
by Alto Astral
Sat Sep 08, 2018 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Just got a new job, looking for a bit of advice on what to do
Replies: 8
Views: 1230

Re: Just got a new job, looking for a bit of advice on what to do

mhalley wrote:
Sat Sep 08, 2018 6:17 pm
Sounds like your career is on an upward trajectory. I would go traditional ain 401k and Roth for Ira, preserving the possibility of backdoor Roth in the future and giving you tax diversification for retirement withdrawals.
+1
by Alto Astral
Sat Sep 08, 2018 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: TSP G Fund and old 401k
Replies: 8
Views: 1038

TSP G Fund and old 401k

Him: Age=39, Income=130K Her: Age=34, Income=100K Desired AA: 70/30 Emergency Funds - 8 months (at $5K/ month living expense) $40K (4 year CD Ladder 1.3%-2.3%) Investments (73% stock, 27% bond) Plan to rebalance soon 5% i-Bonds: $40K (His+Her) +$10K/year/person 5% RothIRA: $33K (His+Her) +$11k/year ...
by Alto Astral
Wed Nov 08, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: HSA w high medical expenses: Still worth it?
Replies: 18
Views: 2153

Re: HSA w high medical expenses: Still worth it?

Run your numbers on the 'HDHP Analysis' tab in Tools and calculators - Personal_finance_toolbox - Bogleheads . It compares your PPO vs HSA and accounts for expenses, tax bracket, FSA, HSA etc. For me HSA worked out better.
by Alto Astral
Mon Oct 16, 2017 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance: HDHP vs PPO with 2 small kids
Replies: 7
Views: 877

Re: Health Insurance: HDHP vs PPO with 2 small kids

B. I am wondering if the savings are worth the sticker shock of the doctor visits till the deductible is met. In our experience, yes. YMMV. See also the 'HDHP Analysis' tab in Tools and calculators - Personal_finance_toolbox - Bogleheads to help quantify the tax advantage, etc. I plugged in my numb...
by Alto Astral
Mon Oct 16, 2017 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Health Insurance: HDHP vs PPO with 2 small kids
Replies: 7
Views: 877

Re: Health Insurance: HDHP vs PPO with 2 small kids

mega317 wrote:
Sun Oct 15, 2017 11:33 pm
So you've calculated that in the worst case scenario you are saving $700 plus tax deductions? What's your question?
Sorry, the worst case scenario is -$300. I did not account for the difference in out-of-pocket maximums. I updated the original post and struck out the incorrect numbers
by Alto Astral
Sun Oct 15, 2017 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: Health Insurance: HDHP vs PPO with 2 small kids
Replies: 7
Views: 877

Health Insurance: HDHP vs PPO with 2 small kids

Him: Age=38, Income=130K Her: Age=33, Income=100K Desired AA: 70/30 Emergency Funds - 10 months (@ $5K/ month living expense) $50K (5 year CD Ladder 1.3%-2.3%) Investments (66% stock, 30% bond, 4% cash) 4% Cash: $20K (Checking Accounts @ 0.01% - earmarked for his+her bond funds next year) 4% i-Bonds...
by Alto Astral
Tue Sep 05, 2017 8:00 pm
Forum: Personal Consumer Issues
Topic: SUV thread (with a twist)
Replies: 44
Views: 5543

Re: SUV thread (with a twist)

Does the Prius-V fit your bill? Its slightly smaller than the Outback but more fuel efficient.
by Alto Astral
Sun Aug 06, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor
Replies: 4
Views: 667

Re: Beginner Investor

Yes, max out the 401k. Then try to pay off the 4.5% debt. Contribute to Roth IRA. Your emergency fund looks good. Invest the rest in a taxable account to maintain the desired asset allocation
by Alto Astral
Sun Aug 06, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for a newb
Replies: 4
Views: 668

Re: Portfolio advice for a newb

You portfolio looks great. Yes to the backdoor Roth IRA. I would recommend streamline everything in the Joint brokerage account to just Total Stock Market fund and rebalance your overall portfolio to get the 60% bond. You are on the right track otherwise. I would also suggest swapping the target ret...
by Alto Astral
Sun Aug 06, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: 100 Best Stocks to Buy in 2017
Replies: 10
Views: 1913

Re: 100 Best Stocks to Buy in 2017

Now that's a title I did not expect on this forum :)
by Alto Astral
Sun Aug 06, 2017 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Late Bloomer Looking for a start
Replies: 7
Views: 1531

Re: Late Bloomer Looking for a start

Yes, use the backdoor Roth IRA for both you and your wife. Yes to investing the $132 in a 3-fund portfolio (personally I skip the international portion but opinions are split on that). You can also consider i-Bonds as a part fo your bond portfolio: https://www.treasurydirect.gov/indiv/products/prod_...
by Alto Astral
Sun Aug 06, 2017 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Which Index fund
Replies: 12
Views: 2304

Re: Which Index fund

Hello, Have read advice that suggest part of your portfolio should include an Index fund. Suggestions include VFINX S& P 500 index fund (including Admiral version if funds permit) Also a broader span with VTI total stock market. Views on these or others to consider welcome please? Many thanks I wou...
by Alto Astral
Fri Aug 04, 2017 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: insurance or self-pay?
Replies: 22
Views: 2577

Re: Car accident: insurance or self-pay?

Follow-up question re submitting a claim and then change insurers if rates go up - I admit to not understanding the insurance market as well as perhaps I should, but wouldn't a new insurer become aware of the claim? Wouldn't that have to be disclosed in an application, or be available to a new insu...
by Alto Astral
Fri Aug 04, 2017 9:53 pm
Forum: Personal Consumer Issues
Topic: Buy EZ Pass transponder for road trip?
Replies: 45
Views: 6842

Re: Buy EZ Pass transponder for road trip?

Its awesome! Discounted rates, saves time, balance does not expire.
by Alto Astral
Fri Aug 04, 2017 9:32 pm
Forum: Personal Consumer Issues
Topic: Mr handyman?
Replies: 14
Views: 2425

Re: Mr handyman?

I saw a Mr Handyman van for the first time a few hours back. And co-incidentally saw this post. I do remember reading that they are independent franchises. So you would be better off with a handyman based off of local yelp reviews .
by Alto Astral
Fri Aug 04, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: S&P500: Good enough or worth it to splice a TSM proxy?
Replies: 7
Views: 996

Re: S&P500: Good enough or worth it to splice a TSM proxy?

Mr Bogle said in 2002 Investors in 500 index funds need feel no compulsion to change horses and switch to a total market portfolio—especially if it would result in a taxable capital gain. Over the long haul, the S&P 500 will do the same job of matching the market that it has always done. Reference: ...
by Alto Astral
Fri Aug 04, 2017 9:17 pm
Forum: Personal Consumer Issues
Topic: Incorrect medical billing sent to collection. What should I do?
Replies: 20
Views: 1790

Re: Incorrect medical billing sent to collection. What should I do?

... My wife called the lab in the past, and after wasting lot of time with them, she was told that it was a billing mistake, and "don't worry about it". Call the lab one more time and see if it gets cleared. Happened to me once. I believe some practices automatically send outstanding bills to colle...
by Alto Astral
Fri Aug 04, 2017 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: only have 401k & emergency funds. what's next?
Replies: 24
Views: 2279

Re: only have 401k & emergency funds. what's next?

Bones_Jones wrote: 4. about 25k in credit card debts. we spend alot of money in traveling...
what would you do with $1500 a month?
Get rid of this. Talk to you in 17 months (25k/$1500) about next steps.
by Alto Astral
Fri Aug 04, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Car accident: insurance or self-pay?
Replies: 22
Views: 2577

Re: Car accident: insurance or self-pay?

I would file due to the larger amount. I had a similar thing happen but another car was involved. They increased rates 3x during the next renewal and I switched companies. I don't see any value in paying out of pocket unless you recently changed insurance companies. The broker is probably partly rig...
by Alto Astral
Sun Jul 23, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Best Short Term, Liquid Investments
Replies: 30
Views: 5733

Re: Best Short Term, Liquid Investments

When a house clicks, things happen very fast. We spent a couple of years looking for a house like you did. When it worked we were first time home owners before we knew it. Since you are still actively looking I would stay put; that's what I did for a couple of years when we were looking. I say this ...
by Alto Astral
Sun Jul 23, 2017 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: How do I get back to my asset allocation?
Replies: 14
Views: 2046

Re: How do I get back to my asset allocation?

65/35 is just right for a 40-year such as myself. Since you call it ultra-conservative, I am guessing you are in your 20s. Its okay to rebalance, no one knows when its going to peak. You may just want to rebalance gradually over the next year by stopping bond contributions. The time-frame would depe...
by Alto Astral
Sun Jul 23, 2017 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice with investing move
Replies: 2
Views: 355

Re: Need advice with investing move

I appreciate your drive even though you have a $550k annual net passive income. You say you do analyses. Have you considered going the route of a startup or acting like an angel investor for financial companies? As far as trading, I recommend just sticking with index funds. Of course, don't take my ...
by Alto Astral
Sun Jul 23, 2017 9:47 pm
Forum: Personal Consumer Issues
Topic: Am I getting good advice - replace the AC, not the 21 year old furnace
Replies: 33
Views: 3874

Re: Am I getting good advice - replace the AC, not the 21 year old furnace

Surprisingly, I didn't realize the air conditioning wasn't working - I've been comfortable without it. I could simply have it removed, but I wonder about resale value without it. I am in a similar boat. Got a 20+ year old AC. Have had to put in $100 worth of R22 freon a few years in a row. I don't ...
by Alto Astral
Mon Jul 17, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Would you look for a general handyman for these home jobs?
Replies: 28
Views: 3595

Re: Would you look for a general handyman for these home jobs?

1. i would call the radon company. I am guessing you already tested the levels using the government test pack? 2. Hvac person 3. General handyman 4. I have this issue. Happens near downspouts when t gets clogged with leaves or maple seeds. Cleaning the area usually fixes it. You may want to look int...
by Alto Astral
Mon Jul 17, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: kitchen appliance recommendations, esp refrigerator
Replies: 32
Views: 3581

Re: kitchen appliance recommendations, esp refrigerator

We got a Kitchenaid staineless steel finish with double doors and freezer at the the bottom. Pretty quiet most of the time. Makes a small noise when generating ice - lasts a few seconds and sounds like pebbles dropping on plastic.
by Alto Astral
Mon Jul 17, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 84
Views: 9220

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

finite_difference wrote:You can get a Honda mower for $350.
+1 for Honda. Going great for the past 2 summers.
by Alto Astral
Mon Jul 17, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Basic Question on I bonds
Replies: 11
Views: 1595

Re: Basic Question on I bonds

The fixed rate will remain for the life of the ibond. However, in your case its 0%, I believe. The variable rate will keep chaning every 6 months like other have pointed out. you can only cash out and re-invest only upto $10k per socil security number. So if you already got $10K for this year, you c...
by Alto Astral
Thu Jul 13, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for Asian Indian friend on parking 100k
Replies: 14
Views: 1925

Re: Advice for Asian Indian friend on parking 100k

I suggest leaving it in TotalStockMarket for now. Maybe he does not lose his job and ends up staying here for 2 decades. Even if he loses the job, he could find another in 2 months and decide to stick around.

There's always a geopolitical risk over 2 decades. Pick the lower risk.
by Alto Astral
Tue May 16, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Almost done saving for emergency fund...now what?
Replies: 8
Views: 1445

Re: Almost done saving for emergency fund...now what?

Saving 70% on a $70K income is $49k. This would be $490k over 10 years. You would need to get one or more rental properties and rent it out. If its out-if-state rentals, you would need to hire a managements company. This would reduce your rental income. Your rental income would meed to be $4k/month ...
by Alto Astral
Mon May 15, 2017 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds vs 1-2 year CDs
Replies: 4
Views: 1170

Re: I-bonds vs 1-2 year CDs

For a 2-3 year horizon, it may not make a big difference with $40K. You won't pay state tax for the i bonds. Federal tax will be deferred for that duration. I prefer/max out i bonds before any CDs
by Alto Astral
Thu May 11, 2017 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: what to look for in homeowner's insurance?
Replies: 5
Views: 1145

Re: what to look for in homeowner's insurance?

Amica has pretty good reviews. I think top in consumer reports. I've had them for over a year. They explained and recommended appropriate coverage. Pleasant process.
by Alto Astral
Sat May 06, 2017 12:42 am
Forum: Investing - Help with Personal Investments
Topic: A few Questions from a young investor.
Replies: 19
Views: 1813

Re: A few Questions from a young investor.

With < $5500 IRA: If you already have an emergency fund VanguardTotalStockIndex is all you need. You can hold your emergency fund in a Roth IRA if that helps you max it out. In that case, split that portion into either VanguardTotalBondIndex or VanguardPrimeMoneyMarket. This should be fine till you ...
by Alto Astral
Sat May 06, 2017 12:29 am
Forum: Personal Finance (Not Investing)
Topic: Stay home with kids?
Replies: 103
Views: 9992

Re: Stay home with kids?

2 young kids, 1 in full-time preschool and 1 school aged Are you out of your mind Steven? I would go nuts taking care of kids at home and I (like you and most parents) love my kids to death: 3 year old and newborn. Your preschooler will go to school in a year or two. So it would be like an early re...
by Alto Astral
Sat May 06, 2017 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Job Decision
Replies: 53
Views: 5133

Re: Job Decision

I was trapped in employment due to immigrant status for many years. Yes, an H-1B or similar visa severely restricts job mobility while you greencard is being processed. I can empathize with you and you may have been unable/unwilling to negotiate a pay-raise during this time to avoid jeopardizing/re...
by Alto Astral
Fri May 05, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Swing Set 2700.00??
Replies: 35
Views: 4631

Re: Swing Set 2700.00??

Easily. I know a neighbor 's cost $4K installed
by Alto Astral
Fri May 05, 2017 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 25k using DCA
Replies: 13
Views: 1475

Re: Investing 25k using DCA

$25k is not DCA. Just mind games. If plan B makes you feel better, thats fine.