Search found 737 matches

by exigent
Wed Sep 12, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Best bonds securities for Taxable account
Replies: 14
Views: 1924

Re: Best bonds securities for Taxable account

no. you should change your location possibly. good? depends. will you always be in 22%? I think it would go down in the coming years as I get close to the retirement. The difference between taxable and tax-exempt isn’t huge in the 22% bracket, and if you wind up in a lower bracket in the future, th...
by exigent
Tue Sep 11, 2018 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Best bonds securities for Taxable account
Replies: 14
Views: 1924

Re: Best bonds securities for Taxable account

Assuming you want/need to leave the bonds in taxable... Vanguard’s Intermediate-Term Tax Exempt Fund (Admiral; VWIUX) has an SEC yield of 2.54%. Vanguard’s Total Bond Market Index Fund (Admiral; VBTLX) has an SEC yield of 3.15%. In the 22% tax bracket, the tax equivalent yield of VWIUX is 3.26%... T...
by exigent
Sat Jan 20, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Getting started with rental properties
Replies: 7
Views: 1419

Re: Getting started with rental properties

I was thinking about this recently myself aswell and stumbled on this other boglehead thread by denovo. It has some good points to think about, hope it helps... https://www.bogleheads.org/forum/viewtopic.php?t=226980 Good link, thanks. What are your own general thoughts? Anything in particular hold...
by exigent
Sat Jan 20, 2018 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Getting started with rental properties
Replies: 7
Views: 1419

Getting started with rental properties

Hi all, We live near a fairly major college town and have long considered the possibility of adding some real estate to our holdings. We’ve always envisioned first getting our feet wet by picking up a property that one or more of our kids could live in while in school (saving on dorm/rent expenses),...
by exigent
Wed Jan 10, 2018 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 3922

Re: Use HSA money or pay out of pocket?

I recently asked a similar question to OP’s and came to realize based in the ensuing discussion that it’s probably not even necessary to save receipts. Ongoing medical costs will almost certainly be more than enough to wipe out any reasonable HSA balance later in life. I am young, and have made two...
by exigent
Wed Jan 10, 2018 8:39 am
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 3922

Re: Use HSA money or pay out of pocket?

Can you explain what you mean by "save paper" and "administrative burden"? By this I mean saving all the receipts from medical expenses over the years to cash in later. I recently asked a similar question to OP’s and came to realize based in the ensuing discussion that it’s probably not even necess...
by exigent
Tue Jan 09, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Why not put part of your Efund into total market ETF?
Replies: 14
Views: 1101

Re: Why not put part of your Efund into total market ETF?

I'm saying though, you sell if it shrinks to principle, plus any fees you pay, so you don't ever lose money. In order to sell it when it shrinks to “principal,” it has to first grow to be more than the starting value. If you want to put more money in equities, that's fine. But don't pretend it's st...
by exigent
Tue Jan 09, 2018 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Why not put part of your Efund into total market ETF?
Replies: 14
Views: 1101

Re: Why not put part of your Efund into total market ETF?

Bwlonge wrote:
Tue Jan 09, 2018 9:39 am
But why not do something like this: buy into the ETF and let it grow now.
Because it could shrink instead of grow, perhaps by a significant amount. And since it’s your “emergency” fund, you could need it unexpectedly.
by exigent
Mon Jan 08, 2018 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Disappointed in Missing a Long Term Financial Goal
Replies: 32
Views: 4312

Re: Disappointed in Missing a Long Term Financial Goal

I would suggest setting goals that you actually have control over. Hitting an aribtrary number for net worth depends on a lot of things that are beyond your control. Instead, focus on saving $X/month and investing in Y way. That sort of thing. You actually have control over that, so if you fail to m...
by exigent
Mon Jan 08, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: VWIUX vs VBTLX in 24% tax bracket
Replies: 19
Views: 3403

Re: VWIUX vs VBTLX in 24% tax bracket

It’s interesting that, when you look at 1-year, 3-year, and 5-year performance, VWIUX does better than VBTLX. I would assume that the tax benefits would increase this advantage further. This is based on the little “Average annual performance” graph on the Vanguard fund pages. I guess this is a combi...
by exigent
Mon Jan 08, 2018 7:55 am
Forum: Forum Issues and Administration
Topic: Help me understand question-less financial status (e.g. "2 comma club") threads.
Replies: 175
Views: 13437

Re: Help me understand question-less financial status (e.g. "2 comma club") threads.

Perhaps a "testimonial" sub-forum could be added . . . though the term seems a bit hokie :D Create a new sub forum called: Testimonials and Humblebrags. I’m partly joking, but that would actually solve the problem while giving some people a place to (harmlessly) attention-seek and others a place to...
by exigent
Fri Jan 05, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: 86 year old mother wants to break away from financial adviser..
Replies: 8
Views: 1449

Re: 86 year old mother wants to break away from financial adviser..

She wants to have participated more fully in the bull market, while you want (among other things) to reduce her equity exposure. These two things are at odds with each other...
by exigent
Fri Jan 05, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 34177

Re: Anyone tired of the stock market going up?

The constant flow of gains makes me feel like I need to do something (change my AA, take some off the table, increase my equities, reduce my exposure, rebalance, buy more international, buy small cap, buy value, sell large cap growth) every week. If you have to do something , rebalance if/as approp...
by exigent
Fri Jan 05, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: Hypothetical question: Will a man who lives forever own the world?
Replies: 23
Views: 2064

Re: Hypothetical question: Will a man who lives forever own the world?

dumbmoney wrote:
Fri Jan 05, 2018 7:02 am
You're describing a miser. Most people aren't misers, and misers don't live forever.
Which is why OP specified that it’s a hypothetical question...
by exigent
Tue Jan 02, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: Rationale for a 30% ex-US equity allocation
Replies: 30
Views: 3795

Re: Rationale for a 30% ex-US equity allocation

We are 60/40 for stocks/bonds. Within the equity portion, we target 2/3 domestic, 1/3 international. Within the bond portion, we are 2/3 total bond (or intermediate tax exempt in taxable) and 1/3 inflation protected (TIPS and Series I Saving Bonds).
by exigent
Mon Jan 01, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Reccomendations for a Good Home Monitoring Service?
Replies: 2
Views: 445

Re: Reccomendations for a Good Home Monitoring Service?

There are lots of local alarm monitoring companies. Your best bet is probably to start calling around in your particular area to get prices.
by exigent
Mon Jan 01, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH Fund - Stock or Bond?
Replies: 11
Views: 954

Re: ROTH Fund - Stock or Bond?

Omg no FI in Roth. All stocks. In our case, we would have to hold (more) bonds in taxable if we took them out of our retirement accounts. We are 60/40 stocks/bonds and have all available tax-advantaged space filled with bonds, plus some bonds in taxable. All of our equity holdings are in taxable be...
by exigent
Mon Jan 01, 2018 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH Fund - Stock or Bond?
Replies: 11
Views: 954

Re: ROTH Fund - Stock or Bond?

Omg no FI in Roth. All stocks. In our case, we would have to hold (more) bonds in taxable if we took them out of our retirement accounts. We are 60/40 stocks/bonds and have all available tax-advantaged space filled with bonds, plus some bonds in taxable. All of our equity holdings are in taxable be...
by exigent
Mon Jan 01, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for 2019 Roth IRA
Replies: 5
Views: 2200

Re: Saving for 2019 Roth IRA

We don’t specifically save for this in a dedicated account, or anything like that. Rather, we have dividends in our taxable account paid to cash and then we manually reinvest them in whatever is low in our allocation. This helps minimize the need to rebalance, and also reduces our total number of ta...
by exigent
Sun Dec 31, 2017 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 5720

Re: is using HSA as investment vehicle worth the trouble?

I see this question being posed about every month. The rules are clear. Either you are willing to go to the trouble of saving/scanning receipts and/or using a spreadsheet to keep records of your health expenses OR it's too much a pain in the ass. To each his own. Not even going to tell y'all what I...
by exigent
Sun Dec 31, 2017 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to take advantage of lowered property value?
Replies: 24
Views: 1771

Re: How to take advantage of lowered property value?

On the plus side, you can now market your property as having excellent cell service... Sorry, nothing constructive to add besides what other have said: (1) work on getting reduced assessment, and (2) dig around to see what you can find out with respect to the supposed widespread knowledge of this. B...
by exigent
Sun Dec 31, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years
Replies: 45
Views: 6959

Re: Buffett wins his bet: S&P500 beats selected hedge funds over last 10 years

Taylor Larimore wrote:
Sun Dec 31, 2017 1:17 pm
Alex:

The Fortune article is a good reminder how difficult it is to outperform a broad market index fund. Those who try have the odds against them.

Best wishes for a Happy New Year!

Taylor
Especially after you factor in the fees that usually accompany such attempts...
by exigent
Sat Dec 30, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: wireless earbuds for exercise - airpods or ??
Replies: 28
Views: 2344

Re: wireless earbuds for exercise - airpods or ??

Check out Bluetooth headphones from Taotronics on Amazon. They are about $25 and work great. I (and others in my family) wear them while working out and they never fall out.

You can also skip, change volume, etc from the headphones.
by exigent
Sat Dec 30, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: 403b vs. 457b for Roth contributions?
Replies: 4
Views: 550

Re: 403b vs. 457b for Roth contributions?

exigent, <<There will be no pension. Future tax bracket unclear. Possibly the same, possibly lower.>> Without a pension, it is unlikely that your future tax bracket will be the same. It should be lowered. Let's assume your current gross income is X. In order for your retirement income to be X, your...
by exigent
Sat Dec 30, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: 403b vs. 457b for Roth contributions?
Replies: 4
Views: 550

Re: 403b vs. 457b for Roth contributions?

https://thefinancebuff.com/case-against-roth-401k.html Have you read this? Will you have a pension when you retire? Will you be in a lower income bracket after retirement (before SS and RMDs)? If so that would be a better time to do conversions to a Roth IRA, than contributing now to a Roth IRA. Al...
by exigent
Sat Dec 30, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: 403b vs. 457b for Roth contributions?
Replies: 4
Views: 550

403b vs. 457b for Roth contributions?

I have access to, and am contributing to, both a 403(b) and a 457(b). Contributions to both are currently traditional, but I have the option of making Roth contributions if I want. I am thinking of starting to push more toward Roth-style accounts. If I was going to change contributions to one of the...
by exigent
Sat Dec 30, 2017 9:20 am
Forum: Investing - Theory, News & General
Topic: ATTENTION: Vanguard 529s? - Better Check Your Balance(s)
Replies: 44
Views: 3417

Re: Vanguard 529 shows zero balance this morning?

I have seen other reports of this here in the forums. Probably just a glitch, but unsettling to be sure.

Edit: see here - viewtopic.php?f=1&t=236154
by exigent
Sat Dec 30, 2017 7:47 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 5720

Re: is using HSA as investment vehicle worth the trouble?

It's not a hassle at all to me. I just recently started one. I use it like a 401K/IRA and it's a great tax-deferred investment that I don't plan on touching. Are you saving current medical bills to support future withdrawals? That's the only place that the hassle comes in. Otherwise, it's pretty mu...
by exigent
Fri Dec 29, 2017 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Will I be taxed again on my 401k?
Replies: 28
Views: 2238

Re: Will I be taxed again on my 401k?

I think only Pennsylvania taxes 401k contributions (NJ and MA tax IRA contributions, and NJ taxes 403b contributions). More than half the states have no income tax or have a tax but exempt all or a portion of retirement plan withdrawals. In many states you will want to study these exemptions carefu...
by exigent
Fri Dec 29, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Will I be taxed again on my 401k?
Replies: 28
Views: 2238

Re: Will I be taxed again on my 401k?

My undestanding is that your contributions to a pretax 401(k) plan reduce your taxable wages for federal income tax purposes only, not social security, Medicare, or state taxes. When you withdraw, you would only have to pay federal income tax and not other taxes. It depends on the state, we get a s...
by exigent
Fri Dec 29, 2017 8:46 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47091

Re: What frugal thing did you do today?

I made myself a delicious cup of coffee, as I do every morning, using my Aeropress. To be more accurate, I made 20 oz, so several cups...
by exigent
Thu Dec 28, 2017 11:53 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 5720

Re: is using HSA as investment vehicle worth the trouble?

It's not a hassle at all to me. I just recently started one. I use it like a 401K/IRA and it's a great tax-deferred investment that I don't plan on touching. Are you saving current medical bills to support future withdrawals? That's the only place that the hassle comes in. Otherwise, it's pretty mu...
by exigent
Thu Dec 28, 2017 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Optum HSA mutual fund choices
Replies: 2
Views: 416

Re: Optum HSA mutual fund choices

I remember reading that accounts transitioned in from Wells Fargo had more limited investment options. Thanks. It's possible that they maintain the legacy investing options for continuity (for those that were already investing), but they are sooo much worse than what's available in a "standard" Opt...
by exigent
Thu Dec 28, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 5720

Re: is using HSA as investment vehicle worth the trouble?

I was under the impression that if you don't use it for medical after age 65 you can withdraw money like a 401(k), so regardless it should be a nice investment vehicle, obviously better for medical expenses so you won't pay any taxes, but if you're limited with tax deferred options, HSA is a great ...
by exigent
Thu Dec 28, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: What is the best current account aggregator online?
Replies: 26
Views: 3208

Re: What is the best current account aggregator online?

I haven't used an aggregator in forever, but I do recall having some trouble with duplicate accounts from Vanguard arising joint accounts appearing both in my login and in my wife's login. I seem to recall that this problem existed in the original Yodlee Money Center (but you could check) and that i...
by exigent
Thu Dec 28, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Optum HSA mutual fund choices
Replies: 2
Views: 416

Optum HSA mutual fund choices

In reading through other posts, I've run across several people talking about there being reasonable HSA mutual fund choices at Optum. My employer provides an HSA via Optum but, when I look at the available investment choices, they are nothing like what others are listing, or what I can find online. ...
by exigent
Wed Dec 27, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 5720

Re: is using HSA as investment vehicle worth the trouble?

If the IRS were to be aggressive and demand actual proof of payment, we'd be in trouble since I haven't been saving all of our credit card statements, etc. I haven't saved credit card statements either - I've assumed, rightly/wrongly, that the bill/invoice is sufficient. What concerns me is the IRS...
by exigent
Wed Dec 27, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Check your HSA at Optum--software glitch
Replies: 3
Views: 413

Re: Check your HSA at Optum--software glitch

My employer uses Optum, and they had an where last months contributions were being withheld, but they weren't showing up in the HSA. It ultimately got straightened, but it took a few weeks.
by exigent
Wed Dec 27, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard via rollover. Does this plan of action sound good for the current high market?
Replies: 39
Views: 3123

Re: New to Vanguard via rollover. Does this plan of action sound good for the current high market?

If the money was previously in the market, why wouldn't you put it straight back in? As a thought experiment (and assuming this money previously had market exposure)... If you had left it in place, would you have sold it all off and then tried to trickle/time it back into the market? If not, then wh...
by exigent
Wed Dec 27, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 5720

Re: is using HSA as investment vehicle worth the trouble?

One still needs to keep a few years of documentations in case of tax audit, even if he or she reimburse the medical cost every year, right? Yes, but it could be much worse than that if you accrue expenses over time and then use them in the future... For example, you might need to show that you didn...
by exigent
Wed Dec 27, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 5720

Re: is using HSA as investment vehicle worth the trouble?

I am troubled by this as well. We have close to $100,000 in our HSA account. We are in our mid-60s The money is invested via Ameritrade. I have saved our actual receipts and end-of-year pharmacy statements (for most years, not all), but I have not saved EOBs. The HSA commenced in 2009, so we have 9...
by exigent
Wed Dec 27, 2017 9:44 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 5720

Re: is using HSA as investment vehicle worth the trouble?

As for EOBs, I don't see the point in saving them. We are never reimbursed for medical expenses. We pay all bills after the fact or pay a fixed amount up front. (If it were to ever happen for some reason, I would keep documentation.) [...] Even if we don't ever rely on past expenses and saved recei...
by exigent
Wed Dec 27, 2017 9:32 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 5720

Re: is using HSA as investment vehicle worth the trouble?

If you are going to pay out of pocket and defer reimbursement, you really ought to get that money invested, though. If you don't bother to invest it, the benefit of untaxed growth is greatly reduced. Yup, that's the plan. Either get it invested, or cash it out and... Get it invested. Where are you ...
by exigent
Wed Dec 27, 2017 9:30 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 5720

Re: is using HSA as investment vehicle worth the trouble?

If you had invested it from the beginning, your $50k would probably be worth $150K now. The annual contribution basically gives us the equivalent of a third Roth IRA. It is worth it to me. If you plan to use it to cover future expenses and you already have an ample emergency fund, then you don't re...
by exigent
Wed Dec 27, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 5720

Re: is using HSA as investment vehicle worth the trouble?

I saved documents for a few years and then decided it was too much stuff to lay off on someone else if I became incapacitated or worse. So I cashed out the accumulation of receipts and now I reimburse myself once a year for the prior year. I start Medicare next year so we will be winding down our H...
by exigent
Wed Dec 27, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: is using HSA as investment vehicle worth the trouble?
Replies: 50
Views: 5720

is using HSA as investment vehicle worth the trouble?

Hi all, We have around $50k sitting in an HSA (from maxing family contributions since 2010) that I've been planning on investing and holding until retirement. Unfortunately, I've never gotten around to do anything with that money, so it's just been sitting in cash. In the mean time, we've been payin...
by exigent
Sun Nov 12, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: To backdoor or not??
Replies: 7
Views: 955

Re: To backdoor or not??

We’re in a similar position and have just continued doing the backdoor “contribute and convert” method. I’m not really sure why, just habit I guess. But for the past few years we would’ve been able to just make direct Roth contributions if we’d wanted to. Not sure this really answers your question, ...
by exigent
Sun Nov 05, 2017 8:24 am
Forum: Investing - Theory, News & General
Topic: I-bond inflation irony?
Replies: 35
Views: 4412

Re: I-bond inflation irony?

venkman wrote:
Sat Nov 04, 2017 11:08 pm
You can still buy up to $5 million in TIPS at every auction...
Yeah, but is that limit indexed to inflation??? ;-)
by exigent
Fri Nov 03, 2017 6:23 am
Forum: Investing - Theory, News & General
Topic: Regret of selling winning stocks early
Replies: 64
Views: 9876

Re: Regret of selling winning stocks early

There's always something you could have done in hindsight that would have produced a much greater return than what you chose. It’s a bit like picking a line at the grocery store. There are multiple choices and everyone is trying to optimize their decision of which line to get into. Odds are, you wo...
by exigent
Thu Oct 26, 2017 7:09 am
Forum: Personal Finance (Not Investing)
Topic: HSA Questions!
Replies: 3
Views: 610

Re: HSA Questions!

In very general terms: Social Security is deducted up to a certain total earnings level (the so-called “wage base”), and Social Security benefits are based on what you’ve contributed. If you are below the wage base and you reduce your income (via, say, pre-tax HSA contributions), then you will end u...