Search found 38 matches

by pdxgreen
Thu Jul 11, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: A good name for a donor advised fund
Replies: 25
Views: 2416

Re: A good name for a donor advised fund

Fidelity Charitable allows you to make anonymous grants to charities, so it shouldn't matter what your fund name is if you choose that option as the charities would never see it. I assume other DAF providers offer the same option.
by pdxgreen
Sat Jun 08, 2019 6:12 pm
Forum: Personal Consumer Issues
Topic: Nest Smoke/CO Detectors
Replies: 17
Views: 1434

Re: Nest Smoke/CO Detectors

I have 6 Nest Protects and they work well. The cost compared to non-smart detectors did make me think twice but I like the extra features (nightlight, integration with Nest thermostat, etc.) and the experience when the alarm goes off has been helpful (warning before alarm goes off, announcement of w...
by pdxgreen
Thu May 02, 2019 5:21 pm
Forum: Personal Consumer Issues
Topic: Areas similar to Jungfrau region in terms of transportation
Replies: 23
Views: 1803

Re: Areas similar to Jungfrau region in terms of transportation

Practically all of Japan qualifies. Hakone would be a highlight as it has an interconnected loop of train, cablecar, ropeway, boat and bus that can be done in a day.
by pdxgreen
Fri Feb 08, 2019 6:17 pm
Forum: Personal Consumer Issues
Topic: Business Class to Japan
Replies: 63
Views: 3460

Re: Business Class to Japan

Hong Kong and Singapore are past Japan, by several hours. Are you familiar with how a plane flies from LA to Japan? Hawaii is also out of the way. Honestly, why not go to NY to Japan if you are considering stops in Hong Kong or Singapore. Off the top of my head, Singapore is 8 hours away from Japan...
by pdxgreen
Sun Jul 01, 2012 6:43 pm
Forum: Personal Investments
Topic: portfolio check-up (age 24, single, starting first job)
Replies: 10
Views: 1229

Re: portfolio check-up (age 24, single, starting first job)

If you choose to go bonds, you should probably consider tax-exempt bonds instead of VBIRX. I looked at that briefly, and my takeaway between comparing VBIRX and VWSTX was that even if I subtract 28% for taxes from VBIRX, its returns still outperformed the tax-exempt fund on the YTD, 1, 5, and 10 ye...
by pdxgreen
Sun Jul 01, 2012 6:38 pm
Forum: Personal Investments
Topic: portfolio check-up (age 24, single, starting first job)
Replies: 10
Views: 1229

Re: portfolio check-up (age 24, single, starting first job)

I would probably use a target fund for a year or two, just to be lazy. Then use 500 index, total bond market, and total international if more international is needed. Eventually, you would drain the total stock market out of your IRAs and replace it with 500 Index in the 401k and extended market in...
by pdxgreen
Sun Jul 01, 2012 2:11 pm
Forum: Personal Investments
Topic: portfolio check-up (age 24, single, starting first job)
Replies: 10
Views: 1229

Re: portfolio check-up (age 24, single, starting first job)

If you choose to go bonds, you should probably consider tax-exempt bonds instead of VBIRX. I looked at that briefly, and my takeaway between comparing VBIRX and VWSTX was that even if I subtract 28% for taxes from VBIRX, its returns still outperformed the tax-exempt fund on the YTD, 1, 5, and 10 ye...
by pdxgreen
Sun Jul 01, 2012 1:15 pm
Forum: Personal Investments
Topic: portfolio check-up (age 24, single, starting first job)
Replies: 10
Views: 1229

Re: portfolio check-up (age 24, single, starting first job)

Johm221122 wrote:I would use 500 index,bond index and extended market index in 401
I would use 401 not Roth 401 this year
Good luck
john
Thanks. Extended Market isn't in the 401k, so I'd have to put that it in the Roth IRA. Any reason you're not suggesting use of Total International in the 401k?
by pdxgreen
Sat Jun 30, 2012 4:19 pm
Forum: Personal Investments
Topic: New grad looking for help with 401K selections
Replies: 13
Views: 2426

Re: New grad looking for help with 401K selections

New contribution: $22K: 401K (including 6% match) $5K: Roth IRA That's a good match. However, $17,000 is the limit for people our age (only 50+ can do $22,000 per year). $17,000 * 1.06 = $18,020 per year to 401k. :wink: I don't think this is right. The match is likely 6% of total salary, not 6% of ...
by pdxgreen
Sat Jun 30, 2012 4:06 pm
Forum: Personal Investments
Topic: portfolio check-up (age 24, single, starting first job)
Replies: 10
Views: 1229

portfolio check-up (age 24, single, starting first job)

This is a follow-up to my first post on this board two years ago, when I was still in school. I've just started my first full-time job and need to make some decisions about 401k contributions and such, so I figure this is a good time to solicit your collective wisdom for an overall check-up. Emergen...
by pdxgreen
Mon Jun 18, 2012 1:05 am
Forum: Personal Consumer Issues
Topic: Reasonable August Vacation Destinations-USA?
Replies: 53
Views: 8550

Re: Reasonable August Vacation Destinations-USA?

Thanks for the ideas guys. I love hiking, walking trails, etc. but it can't be anything too strenuous since my mom and sister are not as hardy. Not looking for any camping, need a cabin or rental with modern amenities for the family, and preferably cool in the 60s-70s during the daytime. That sound...
by pdxgreen
Thu Apr 05, 2012 8:10 pm
Forum: Personal Investments
Topic: Moving ROTH IRA from Fidelity to Vangaurd
Replies: 17
Views: 2477

Re: Moving ROTH IRA from Fidelity to Vangaurd

1) Never liquidate/transfer/repurchase if it can be avoided. 2) Always ask about doing a "transfer in kind." This means that the security itself is transferred. My reasoning for not following this advice was simple: I could sell my Fidelity funds at Fidelity fee-free, and buy Vanguard funds at Vang...
by pdxgreen
Thu Apr 05, 2012 7:56 pm
Forum: Personal Investments
Topic: Moving ROTH IRA from Fidelity to Vangaurd
Replies: 17
Views: 2477

Re: Moving ROTH IRA from Fidelity to Vangaurd

I actually just went through this process for a Roth IRA to Roth IRA transfer. Here's what happens: When you initiate the transfer on Vanguard's website, you tell them to ask Fidelity to liquidate all of the funds prior to transferring them, and you also tell Vanguard how you'd like the received fun...
by pdxgreen
Sun Jan 08, 2012 4:13 am
Forum: Personal Consumer Issues
Topic: Anyone install their own antenna?
Replies: 20
Views: 1804

Re: Anyone install their own antenna?

I've had very good experience with this antenna: http://www.amazon.com/Antennas-Direct-DB2-Directional-Antenna/dp/B000EHUE7I/ There's a bigger one of the same thing too, but it appears to be out of stock at the moment: http://www.amazon.com/Antennas-Direct-DB4-Multi-Directional-Antenna/dp/B000EHYG9K/
by pdxgreen
Fri Aug 05, 2011 1:27 am
Forum: Personal Investments
Topic: Rebalancing strategy for contributions into taxable accounts
Replies: 4
Views: 584

In taxable, add to Total International Stock Index. In Vanguard Roth IRA, exchange some Total International for Total Stock Market (VTSMX or VTSAX). Watch out for redemption fee charge by VGTSX for selling shares held for less than 2 months. Thanks. The only problem with that approach is the $3000 ...
by pdxgreen
Fri Aug 05, 2011 12:11 am
Forum: Personal Investments
Topic: Rebalancing strategy for contributions into taxable accounts
Replies: 4
Views: 584

Rebalancing strategy for contributions into taxable accounts

I set up my portfolio in December with the help I received in this thread , and have basically left it alone since then because it hasn't deviated by more than 2% from the desired allocation. Now, with market becoming turbulent once again, it seems like I'll need to rebalance in the near future. I'v...
by pdxgreen
Sun Apr 24, 2011 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Move To Seattle?
Replies: 42
Views: 5727

Thanks everyone for the input. I love the Pacific Northwest and want to make the move, but the cost difference weighs on my mind. We are able to save very well in TN and savings will suffer so I have gone back and forth. I am orignally from California so miss much about the west coast. Have you con...
by pdxgreen
Sat Apr 23, 2011 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Move To Seattle?
Replies: 42
Views: 5727

Re: Move To Seattle?

I am contemplating a move from Memphis, TN to Seattle, WA. Our family does not enjoy TN too much, but the current job pays well and cost of living is very low (we have two small children). The new job will be a salary decrease of $15K / year, and housing is much more expensive in Seattle ($400K+). ...
by pdxgreen
Fri Apr 01, 2011 10:23 pm
Forum: Personal Consumer Issues
Topic: Renege on a job offer?
Replies: 61
Views: 14598

Definitely let the other companies know that you have this offer deadline. Depending on how far along you are in the interview process, recruiters will usually work pretty hard to get you a decision before competing deadlines. Only one company will possibly be able to give me a decision. The other ...
by pdxgreen
Fri Apr 01, 2011 10:19 pm
Forum: Personal Consumer Issues
Topic: Renege on a job offer?
Replies: 61
Views: 14598

I would interpret the current job offer restrictions as an indication of corporate culture. Seriously, you are entry level and they can't realistically have an "urgent" need. This could mean they plan poorly and turn everything into an urgent need...remember that you are interviewing the company as...
by pdxgreen
Fri Apr 01, 2011 9:59 pm
Forum: Personal Consumer Issues
Topic: Renege on a job offer?
Replies: 61
Views: 14598

Definitely let the other companies know that you have this offer deadline. Depending on how far along you are in the interview process, recruiters will usually work pretty hard to get you a decision before competing deadlines.
by pdxgreen
Mon Mar 28, 2011 3:30 pm
Forum: Personal Consumer Issues
Topic: coast to coast car shipping
Replies: 7
Views: 1487

I recently used Direct Express Auto Transport to ship a car from WA to GA. Their quote ($850) was the most competitive I found for door-to-door shipping. Direct Express, like their competitors, is a broker that assigns you to a truck, which are independently owned. This process takes a couple days a...
by pdxgreen
Fri Mar 04, 2011 12:04 am
Forum: Personal Investments
Topic: Young Investor Advice/Strategies
Replies: 46
Views: 4546

cuscus20 wrote:do I need to pay taxes on this income BEFORE I invest into my 2010 Roth IRA?
Go ahead and invest now -- you only have until April of this year to make your 2010 contribution.

You'll pay the taxes for the sale when you file this year's taxes (next April).
by pdxgreen
Wed Jan 19, 2011 10:08 pm
Forum: Personal Consumer Issues
Topic: Planning a trip to Mt Hood (Oregon)
Replies: 15
Views: 1839

Die Hard wrote:
Van wrote:Unexpected killer storms.
Are these year round or just in the harsh of winter?
Rain is very possible (and probably likely) in Oregon throughout May. I don't think there's any risk of winter storms at that time.
by pdxgreen
Mon Jan 17, 2011 7:34 pm
Forum: Investing - Theory, News & General
Topic: The New Bogleheads Facebook Page
Replies: 90
Views: 11601

To the admins: if you visit http://www.facebook.com/username, you should be able to set a username for the page so that it's reachable at http://www.facebook.com/bogleheads or something similar.
by pdxgreen
Wed Dec 08, 2010 12:01 am
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

I considered REIT to be part of the domestic allocation in arriving at the breakdown -- is that the right thing to do? Based on the Swensen numbers above, it looks like the answer to that question is no, so I would just go 30/30 instead of 35/25. Taxable at thinkorswim 10% [individual stocks] Taxab...
by pdxgreen
Tue Dec 07, 2010 11:56 pm
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

for high equity allocations I think it is worthwhile having some real estate. grok87, can you explain this rationale? It sounds like you're suggesting I add 10% REIT regardless of what I do with my international allocation. From the info you've given, emerging markets appear to represent approximat...
by pdxgreen
Mon Dec 06, 2010 1:38 pm
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

You have done well to outperform the s&p over the past 18mo. So my unconventional advice: Keep doing whatever you're doing. There are two possibilities: 1. You'll underperform and realize that even your very best and most-informed ideas aren't going to do you any good, so you'll index going forward...
by pdxgreen
Sat Dec 04, 2010 10:15 pm
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

for high equity allocations I think it is worthwhile having some real estate. grok87, can you explain this rationale? It sounds like you're suggesting I add 10% REIT regardless of what I do with my international allocation. From the info you've given, emerging markets appear to represent approximat...
by pdxgreen
Sat Dec 04, 2010 2:09 am
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

I'd like to revisit the question of my international allocation. As mentioned above, the status quo is that it's almost entirely in Latin America and Emerging Markets. I understand the advice towards total market indexing, but I wonder if there is merit in continuing to lean towards emerging markets...
by pdxgreen
Sat Dec 04, 2010 1:51 am
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

Re: proposal

pdxgreen, What do you like about thinkorswim (i'm not familiar with them). Here's my take based on my experience: Fidelity has one of the best brokerage platforms. If you want to buy etfs (and stocks) they are the way to go. Vanguard has the best platform for low cost index mutual funds. I would av...
by pdxgreen
Wed Dec 01, 2010 9:28 pm
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

Re: proposal

One problem I see with the three different roths is maintaining your asset allocation in the future. You have things split up instead of together making it very difficult to transfer funds between the Total Stock Market and Total Intl Stock Market funds, for example. You don't usually do this type ...
by pdxgreen
Wed Dec 01, 2010 2:40 am
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

Okay, I read the book. Here's what I'm thinking now. This is a simple portfolio for 80/20 stocks/bonds and 50/50 domestic/int'l: Taxable at thinkorswim 10% [individual stocks] 10% Vanguard Total Intl Stock Index Inv (VGTSX) (ER 0.32%) Roth IRA at thinkorswim 10% Vanguard Interm-Term Treasury Inv (VF...
by pdxgreen
Mon Oct 11, 2010 9:08 pm
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

grok87 wrote:3) I would recommend at least 20% in bonds, split 50/50 between treasuries and Tips, namely VFITX and VIPSX
Can you explain this one a bit further? Why 20% and why these funds instead of VBMFX? Thanks.
by pdxgreen
Mon Oct 11, 2010 9:06 pm
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

Re: Why?

Why do you have three different IRA type accounts in three different locations? The first thing I would do is consolidate down to one roth at Vanguard. That would leave you with the taxable account with the play money and your retirement portfolio at Vanguard. Ironically enough, it was to limit tra...
by pdxgreen
Sun Oct 10, 2010 2:28 am
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

Thanks for the welcome. I'm not from GA originally, but I'm now in Atlanta for school. All of your feedback so far is much appreciated. I took a stab at a possible simplification of my portfolio, without having to transfer money between any accounts: Taxable at thinkorswim 26% [stocks held "for fun"...
by pdxgreen
Fri Oct 08, 2010 10:18 pm
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

Thanks! I have the Guide to Investing book on order and have been reading this forum and wiki in the meantime. It is probably a good time to sell gold, but what are the arguments against holding some as part of a diversification strategy? Regarding 401k eligibility, my income comes from short-term i...
by pdxgreen
Thu Oct 07, 2010 9:10 pm
Forum: Personal Investments
Topic: Roth IRA allocation for 22-year-old
Replies: 36
Views: 7643

Roth IRA allocation for 22-year-old

I'm young, currently in grad school, with money saved up from previous jobs. Without much formal investing knowledge, I've bought into things that look good to me, and it's done me pretty well (outperforming the S&P 500 by ~25% in the past 18 months) but I'm interested in formalizing a strategy now ...