Search found 60 matches

by RandalThor
Thu Feb 13, 2020 1:24 pm
Forum: Personal Investments
Topic: Help with Rollover IRA and pro-rata rule generated basis
Replies: 4
Views: 248

Re: Help with Rollover IRA and pro-rata rule generated basis

Thank you retirdjg, Uniballer, and Homestretch! Your input is very much appreciated. Thank you for stepping me through it. I've been doing some research and it looks like we need to correct the basis that we gained in the Rollover after we converted from the Traditional IRA last year from that pro-r...
by RandalThor
Sun Feb 09, 2020 7:17 pm
Forum: Personal Investments
Topic: Help with Rollover IRA and pro-rata rule generated basis
Replies: 4
Views: 248

Help with Rollover IRA and pro-rata rule generated basis

Hello, I ran into the pro-rata rule in a prior year when I converted after tax dollars from a Traditional IRA to a Roth, not realizing the wonderful pro-rata rule would wreak some havoc :oops: That being said, I now have a Rollover IRA with some basis in it now because of the tax I ended up paying w...
by RandalThor
Mon Nov 25, 2019 11:38 pm
Forum: Personal Consumer Issues
Topic: Theory of Economics book recommendation desired
Replies: 29
Views: 2307

Re: Theory of Economics book recommendation desired

Maybe not some "heavy" economics materials, but here a a couple interesting items: - "A Random Walk Down Wallstreet" by Burton G. Malkiel - a bit of theory about diversifying your risk in the market Next one is a video / short-series from PBS I watched years ago: - The Commanding Heights Storyline ....
by RandalThor
Sun Jun 16, 2019 10:20 pm
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 3828

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

I asked for a financial review last week. I was told that I would have to talk to a PAS representative and hear the pitch. I completed the investor profile, chatted with PAS rep and last night was emailed there opinion and asset allocation. I am on the MF platform. Its's 28 pages and essentially wh...
by RandalThor
Fri Jun 14, 2019 10:34 pm
Forum: Personal Investments
Topic: Bond Fund Question - Charles Schwab / Vanguard
Replies: 8
Views: 1381

Re: Bond Fund Question - Charles Schwab / Vanguard

I wonder how they would handle the scenario if you contributed to the Roth IRA but then needed to re-characterize those contributions to a traditional IRA (i.e. non-deductible contributions into the Traditional IRA). I know at Vanguard they have to the re-characterization "in-kind", meaning the cont...
by RandalThor
Fri Jun 14, 2019 10:27 pm
Forum: Investing - Theory, News & General
Topic: For the wiki: HSA as an emergency fund
Replies: 31
Views: 3614

Re: For the wiki: HSA as an emergency fund

I know the HSA accounts at Optum allow you to load your receipts for the expenses you have incurred. You can leave them there w/o being reimbursed and wait until a later time to do so.

My guess is other HSA administrators offer something similar.
by RandalThor
Fri Jun 14, 2019 10:08 pm
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 3828

Re: Vanguard Financial Plan requires Brokerage Account? Bait and switch?

- My initial feeling I had was this was some kind of bait and switch. Vanguard hasn't had the Vanguard Financial Plan since 2015. https://www.bogleheads.org/forum/viewtopic.php?t=160360 It has been managed by Vanguard PAS for the past 4 years. As the Vanguard website says, "Financial advice from a ...
by RandalThor
Fri Jun 14, 2019 9:39 pm
Forum: Personal Investments
Topic: Vanguard Financial Plan requires Brokerage Account? Bait and switch?
Replies: 45
Views: 3828

Vanguard Financial Plan requires Brokerage Account? Bait and switch?

I need some help / thoughts on how to address this with Vanguard. I was taking advantage of a complimentary financial plan review / update from Vanguard. After I pulled all the details together for them, had an initial intake call with a representative and then had the first adviser call to discuss ...
by RandalThor
Sun Apr 07, 2019 9:39 pm
Forum: Personal Consumer Issues
Topic: router internet parental controls
Replies: 28
Views: 2089

Re: router internet parental controls

Check out Netgear. They have what they call " Live Parental Controls " which allows you to setup OpenDNS profiles to limit web content. With Netgear, you can integrate with OpenDNS and it allows you to apply a default level of content filtering for your whole network. You can then assign specific le...
by RandalThor
Mon Mar 25, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: Nice men's jeans
Replies: 53
Views: 3940

Re: Nice men's jeans

Check out some of the recommendations over at dappered.com See #3 "Dark Wash Denim" on this list at the link below https://dappered.com/2018/09/10-mens-style-essentials-to-have-in-navy/ Old Navy and J Crew Factory also offer some dark wash jeans in slim / straight fit as well that may work at a reas...
by RandalThor
Tue Mar 12, 2019 10:30 pm
Forum: Personal Investments
Topic: 39 year old; Portfolio Review
Replies: 10
Views: 3396

Re: 39 year old; Portfolio Review

Thank you ruralavalon! I took a look at the Instant X Ray and think I have the funds/percentages figured out. Looks like Total Stock Market (VTSAX) is coming up a bit different in the Instant X Ray than the current wiki numbers that were refreshed in December 2018. Regardless, I think I can closely ...
by RandalThor
Mon Mar 11, 2019 9:33 pm
Forum: Personal Investments
Topic: 39 year old; Portfolio Review
Replies: 10
Views: 3396

Re: 39 year old; Portfolio Review

4. I think I should consolidate a bit across 401k's. Should I rollover my “Prior 401k” into TSP? The current bond allocation in my “Prior 401k” (Fixed Income fund) has a quarterly fee ($8.25) [ Boooo :( ] Yes, you should consolidate accounts. Unless you particularly want more of the unique G Fund, ...
by RandalThor
Sat Mar 09, 2019 12:03 pm
Forum: Personal Investments
Topic: 39 year old; Portfolio Review
Replies: 10
Views: 3396

Re: 39 year old; Portfolio Review

Several different fund companies have funds with the name "Diversified Real Asset Fund". Do you know the name of the fund company or ticker symbol for the fund you use? In one of your Vanguard IRAs you might consider Vanguard Real Estate Index Fund (VGSLX). I don't think a TIPS fund is a good idea ...
by RandalThor
Fri Mar 08, 2019 10:10 pm
Forum: Personal Investments
Topic: 39 year old; Portfolio Review
Replies: 10
Views: 3396

Re: 39 year old; Portfolio Review

2. How should I be investing in my HSA? Do I keep my approach with Total Stock Market Index, and just view this as a piece of my overall portfolio OR do I acknowledge that these funds will be used for Healthcare specifically and hedge my risk a bit here and do something different in that space? Ass...
by RandalThor
Thu Mar 07, 2019 9:07 pm
Forum: Personal Investments
Topic: 39 year old; Portfolio Review
Replies: 10
Views: 3396

Re: 39 year old; Portfolio Review

1. I like 70/30 allocation for a lifetime in early retirement. Withdrawal rate is the big variable. Big ERN Withdrawal Rate analysis helped me develop a plan. https://earlyretirementnow.com/start-here/ 4. Consolidation in TSP seems reasonable. 5. I'd simplify and sell. 6. Invest the cash in Vanguar...
by RandalThor
Wed Mar 06, 2019 10:46 pm
Forum: Personal Investments
Topic: 39 year old; Portfolio Review
Replies: 10
Views: 3396

39 year old; Portfolio Review

Hello Bogleheads, I’m in need of a portfolio review. I’m considering retiring a bit early (maybe 10/15 years early...in 10 to 15 years from now) if possible, so I have some questions at the bottom that may help guide any suggestions. Current Portfolio Information: Emergency funds: Have about one yea...
by RandalThor
Sun Feb 24, 2019 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: HSA newbie, transfer/roll over from Optum bank to Fidelity
Replies: 6
Views: 1596

Re: HSA newbie, transfer/roll over from Optum bank to Fidelity

I’ve had an Optum HSA for years but depending on the employer your fund selection may differ, but I’ve had access to Vanguard funds and have been quite happy with that. Regarding keeping receipts, Optum allows you to upload receipts of your expenses without reimbursing yourself immediately, so you c...
by RandalThor
Wed Jan 16, 2019 10:34 pm
Forum: Personal Investments
Topic: CIT savings builder account ?
Replies: 14
Views: 1237

Re: CIT savings builder account ?

I had a savings account with them, and then their no-penalty CD for awhile this last year. They did adjust my rate during an increase. Though I had emailed them about it as soon as it was announced, so not sure it would have been done automatically. But it went into affect later that day or next day...
by RandalThor
Wed Jan 16, 2019 10:20 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 59476

Re: John Bogle has died at age 89

Thank you Mr. Bogle for all you have done for me, my family, and the investing community. Prayers for you and your family.

Rand
by RandalThor
Fri Nov 16, 2018 11:28 pm
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 7166

Re: Ally just raised Online Savings accounts to 2% APY

Vanguard Prime MM (VMMXX) is at 2.25% currently.
by RandalThor
Mon Oct 22, 2018 5:55 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting - noncovered shares?
Replies: 4
Views: 576

Tax Loss Harvesting - noncovered shares?

Hello, I just read the post about PhysicianOnFire’s “Tax Loss Harvesting with Vanguard: A Step by Step Guide" linked from the wiki about Tax Loss Harvesting (External Links section). I looked into assigning a cost basis of “Specific Identification” to my taxable account funds at Vanguard per the gui...
by RandalThor
Sun Oct 21, 2018 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 94
Views: 13593

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

Hi Bogleheads, Maybe my question was missed earlier so thought I’d ask again. If this is better suited to be its own thread vs. asked here, please let me know and I can re-post it. Thanks! Rand What a great tutorial. I just looked into assigning a cost basis of “Specific Identification” to my taxabl...
by RandalThor
Sat Oct 20, 2018 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 94
Views: 13593

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

What a great tutorial. I just looked into assigning a cost basis of “Specific Identification” to my taxable account funds and it gave me a warning about “noncovered” shares. • For shares purchased before January 1, 2012, and subsequently sold (known as noncovered shares), we're only able to provide ...
by RandalThor
Fri Oct 12, 2018 7:14 pm
Forum: Personal Investments
Topic: Any funds that has same or better yields than online savings account?
Replies: 4
Views: 762

Re: Any funds that has same or better yields than online savings account?

Vanguards Prime Money Market (VMMXX) is showing 2.16% yield today.
by RandalThor
Tue Oct 02, 2018 7:07 pm
Forum: Personal Investments
Topic: What to do with cash in the short term?
Replies: 36
Views: 3507

Re: What to do with cash in the short term?

Hard to beat Vanguards own Prime Money Market fund (VMMXX) right now at 2.14% yield today. They have gotten a bit more competitive the last few months and I moved my cash back to it from another online savings account.
by RandalThor
Mon Mar 26, 2018 8:35 pm
Forum: Personal Investments
Topic: Online High Interest Savings Accounts
Replies: 17
Views: 3003

Re: Online High Interest Savings Accounts

I’ve had a good experience with CIT bank. Used their online high yield savings account and also funded a CD. Their no-penalty 11 mo CD finally bumped the rate past the savings account. Not a bad place to park some cash. I’ve been impressed with their account authentication/security and their custome...
by RandalThor
Wed Mar 21, 2018 9:21 pm
Forum: Personal Investments
Topic: Maxed 401k and Roth IRA questions
Replies: 44
Views: 2695

Re: Maxed 401k and Roth IRA questions

If you have a Health Savings Account (HSA) option available (i.e. you have a high deductible health plan), that is also a great option. Money contributed (don’t leave it all in Cash...actually invest it in the fund options available) is before-tax, earnings grow tax free, and then when used for medi...
by RandalThor
Fri Jan 02, 2015 11:37 pm
Forum: Personal Investments
Topic: Portfolio help + HSA option
Replies: 9
Views: 1465

Re: Portfolio help + HSA option

Laura, Thank you so much! A couple questions to make sure I understand correctly... For "taxable", you mentioned that this includes the two individual stocks. Does that mean to sell those and put them into those two funds? Also, you mentioned the Diversified RL Asset fund below. Did you need to see ...
by RandalThor
Thu Jan 01, 2015 7:19 pm
Forum: Personal Investments
Topic: Portfolio help + HSA option
Replies: 9
Views: 1465

Re: Portfolio help + HSA option

Thanks for the link Laura, I will take a read through it! Here is the info requested: US EQ ALL CAP BLEND. Stock InvestmentsLarge Cap ER 0.11% The U.S. Equity All Cap Blend Fund allocates its investments to the U.S. Equity S&P 500 Index Fund and the U.S. Equity Small/Mid Cap Blend Fund to capture th...
by RandalThor
Thu Jan 01, 2015 4:01 pm
Forum: Personal Investments
Topic: Portfolio help + HSA option
Replies: 9
Views: 1465

Re: Portfolio help + HSA option

Hi Laura, The 401k contributions will not drop us below the 25% tax bracket...but I suppose every bit helps. Actually, it will probably keep us from bumping into the 28% bracket if my annual bonus ends up being a good one. OK, I will combine the HSA accounts into HSA2 and look to invest most of thos...
by RandalThor
Tue Dec 30, 2014 11:02 pm
Forum: Personal Investments
Topic: Portfolio help + HSA option
Replies: 9
Views: 1465

Re: Portfolio help + HSA option

Hi Laura! I apologize, I didn't realize you had responded so quickly and I was expecting an email notification... Been crazy with the holidays and I just checked back. Thank you. Let me see if I can answer your questions. Total contribution of 401k will be around $26k, thank you for the note about t...
by RandalThor
Tue Dec 09, 2014 11:25 pm
Forum: Personal Investments
Topic: Portfolio help + HSA option
Replies: 9
Views: 1465

Re: Portfolio help + HSA option

Would anyone have any suggestions? Thank you very much.

Rand
by RandalThor
Tue Nov 18, 2014 12:06 pm
Forum: Personal Investments
Topic: Portfolio help + HSA option
Replies: 9
Views: 1465

Portfolio help + HSA option

Hi all, I am in need of rebalancing and would like to review my target allocations and then figure out the best way to invest my HSA funds (please see further questions below). I would greatly appreciate any feedback. Thank you! Emergency funds: About 4 months worth Debt: Mortgage (3.25%) – 20% in e...
by RandalThor
Mon May 12, 2014 10:40 pm
Forum: Personal Investments
Topic: HSA Investing question - Need help
Replies: 4
Views: 675

Re: HSA Investing question - Need help

Well it looks like even with accepting a $24 wire transfer fee (assuming I do a rollover once a year to to the ELFCU HSA account and wire the $ to the TD Ameritrade account), I would save a few bucks with the TSM ETF (VTI ER .05%) vs. the Vanguard S&P 500 (ER .17%) offered through my employers HSA o...
by RandalThor
Mon May 12, 2014 8:40 pm
Forum: Personal Consumer Issues
Topic: Manilla [household accounting app] closing...
Replies: 7
Views: 2676

Re: Manilla closing...

Yea, I saw the announcement. Liked the aggregation of my account statements. Looks like Check is the only other out there that grabs statement, though they don't grab as many as Manilla does. What a bummer!
by RandalThor
Mon May 12, 2014 8:16 pm
Forum: Personal Investments
Topic: HSA Investing question - Need help
Replies: 4
Views: 675

Re: HSA Investing question - Need help

Thanks hoppy, good points. Yes the Option 1, my current HSA, is through my employer. Not the most excited about the fund options, but could use the S&P 500 and I suppose rebalance out of the Total Stock Mkt into the extended market in my other IRA. I forget what the split is between those two to "cr...
by RandalThor
Mon May 12, 2014 1:51 pm
Forum: Personal Investments
Topic: HSA Investing question - Need help
Replies: 4
Views: 675

HSA Investing question - Need help

I have read the threads and wiki related to the HSA providers with Vanguard funds. I am down to two options and would love to hear some suggestions / feedback as I am ready to invest some of my HSA funds. Option 1: Current HSA provider - $1500 must stay in Savings (no interest). Offers investment op...
by RandalThor
Wed Jan 12, 2011 10:43 pm
Forum: Personal Finance (Not Investing)
Topic: Better Online Savings - Costco Cap1 or AmEx
Replies: 22
Views: 7455

Smarty Pig

Amex is good so far and Ally is working out for me too. Have yet to try cap one but was tempted when I opened the costco account. Too lazy to follow up. Just read there is another one called smarty pig. Any feed back on this one? I opened an account with Smarty Pig back in October. The rate just dr...
by RandalThor
Wed Nov 10, 2010 10:40 pm
Forum: Personal Investments
Topic: HSA - OptumHealthBank dropped Vanguard Fund options?
Replies: 7
Views: 1999

HSA - OptumHealthBank dropped Vanguard Fund options?

My employer just changed to OptumHealthBank to service its employees' HSA plans. I was excited about this because on the Boglehead wiki for HSA's OptumHealthBank is listed as a bank that provides access to Vanguard funds. Well, as I rechecked the link to the Vanguard fund listing today, it did not w...
by RandalThor
Mon Apr 27, 2009 11:52 pm
Forum: Personal Investments
Topic: better off with taxable vs. 401k??
Replies: 10
Views: 3634

As Taylor mentioned, investing in an index fund in your 401k and planning around that as part of your overall AA... That is exactly what I did. I invest in the one and only index fund (it's an S&P 500 index) w/ .30 ER. It'll have to do.
by RandalThor
Sun Mar 29, 2009 8:58 pm
Forum: Investing - Theory, News & General
Topic: Wagoner out as GM CEO
Replies: 15
Views: 2712

I think it is time we see some consolidation here. GM was ran into the ground under Wagoner's watch...it's probably a good time for him to leave. I hope the UAW is next on the list. If they don't start compromising, there will be nothing left to fight over.
by RandalThor
Sun Mar 29, 2009 5:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 529 plan...what state?
Replies: 9
Views: 1896

I went with Illinois. Vanguard funds and lowest expense ratios around.
by RandalThor
Sat Mar 28, 2009 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: MBA or Not?
Replies: 23
Views: 4080

I'm about to complete and MBA this summer. People ask me all the time about why I would want an MBA, and this comes from many people I work with at a place of work where a degree isn't a huge requirement. It is part of the culture there and part of the old school employees who grew up here and have ...
by RandalThor
Tue Mar 24, 2009 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Mint.com: Does it add anything to Quicken/Excel
Replies: 12
Views: 4273

mint.com uses Yodlee systems for their backend, but they clearly have a better web front end, though Yodlee looks like they just upgraded their site a bit. Mint has been more attractive to me then Yodlee's moneycenter itself up to this point because of their interface. My understanding from what I'v...
by RandalThor
Mon Mar 23, 2009 11:01 pm
Forum: Personal Consumer Issues
Topic: satellite vs. cable vs. FIOS
Replies: 32
Views: 6174

This site will help you pinpoint where some channels are broadcasting from:
http://www.antennaweb.org/aw/welcome.aspx

Pretty slick site.
by RandalThor
Tue Mar 10, 2009 10:24 pm
Forum: Personal Investments
Topic: Form 1065 (Schedule k-1) from Powershares DBC etf
Replies: 10
Views: 6675

Schedule K-1

I believe it does need to be reported on your income taxes. My brother had to do this last year with a stock he purchased with an attractive dividend yield. He since sold it to avoid the hassle of filing after this year, but I do see that taxact.com offers it as an option to input that info for your...
by RandalThor
Fri Dec 05, 2008 12:07 am
Forum: Investing - Theory, News & General
Topic: Health Savings Accounts: Awesome Theory - Garbage Execution
Replies: 86
Views: 15540

Vanguard also refers you to this HSA program as well: https://enrollhsa.optumhealthbank.com/vanguardhsa/ Seems very reasonable, once you are over $5000...no monthly fees then, and only a $10 setup fee. https://enrollhsa.optumhealthbank.com/vanguardhsa/forms/045-0229_New_Format_Fee_Schedule_Vanguard....
by RandalThor
Fri Nov 21, 2008 10:02 pm
Forum: Personal Consumer Issues
Topic: TurboTax 2008 available for download!
Replies: 198
Views: 47298

I used TaxACT for the first time last year and was very pleased with it. I will be using it again. I had been using turbo tax and taxcut in previous years...
by RandalThor
Mon Jul 14, 2008 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Acct. contribution limits
Replies: 2
Views: 1120

Thanks Gregory, good stuff. I read this at the end: "In addition, a fiscal year plan that satisfies the requirements for an HDHP on the first day of the first month of its fiscal year may apply that deductible for the entire fiscal year." Does this mean that if you are eligible to sign up at the beg...
by RandalThor
Mon Jul 14, 2008 10:39 pm
Forum: Personal Investments
Topic: Portfolio Help for 29yr old - a year and a half later
Replies: 5
Views: 1644

Thanks Piper. I'll continue to fund the VFWIX until I hit my targets. And yes, I would like to roll the non-deductible traditional ira's into our roths, but I'm under the impression that I need to wait until 2010, as we will bust that MAGI limit. Is that accurate, about 2010? Thanks again for the re...