Search found 65 matches

by RhoRho
Wed Apr 18, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Want to Include Emerging Markets in the Portfolio
Replies: 5
Views: 994

Re: Want to Include Emerging Markets in the Portfolio

I ended up taking some of yall's advice and moving to a 70/30 split between US/International. Of the International, 25% is in VEMAX and the rest is in VTIAX.
by RhoRho
Tue Apr 17, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Want to Include Emerging Markets in the Portfolio
Replies: 5
Views: 994

Want to Include Emerging Markets in the Portfolio

Emergency funds: Two months Debt: Only Auto Loans Car 1: ~ 12,000 @ 2.99% Car 2: ~ 17,000 @ 1.99% Tax Filing Status: Married Filing Jointly Tax Rate: 22% Federal State of Residence: TX Age: 34M/32F Desired Asset allocation: 75% stocks / 25% bonds Desired International allocation: 50% of stocks Curre...
by RhoRho
Tue Apr 10, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee
Replies: 1
Views: 621

Highly Compensated Employee

I am not considered a highly compensated employee but think I am getting close to the threshold. I am trying to understand what this means in terms of my contribution for 401k. Right now I max out the traditional 401k. In the upcoming years, I intended on adding some to the after-tax 401k my company...
by RhoRho
Wed Mar 28, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being stubborn about housing purchase
Replies: 27
Views: 4006

Re: Am I being stubborn about housing purchase

Thanks for the replies everyone. Glad for the sanity check. It can be hard to stay on the road to financial independence.
by RhoRho
Wed Mar 28, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Am I being stubborn about housing purchase
Replies: 27
Views: 4006

Re: Am I being stubborn about housing purchase

I wouldn't expect the market to appreciate too rapidly in Austin. I bought in 2013 and my value has doubled. All this really means is that I pay more in Taxes (hitting the 10% cap every year). Sure, I have an asset that doubled, but if I sell it, I still need somewhere to live and chances are the n...
by RhoRho
Wed Mar 28, 2018 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Am I being stubborn about housing purchase
Replies: 27
Views: 4006

Re: Am I being stubborn about housing purchase

I wouldn't expect the market to appreciate too rapidly in Austin. I bought in 2013 and my value has doubled. All this really means is that I pay more in Taxes (hitting the 10% cap every year). Sure, I have an asset that doubled, but if I sell it, I still need somewhere to live and chances are the n...
by RhoRho
Tue Mar 27, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Am I being stubborn about housing purchase
Replies: 27
Views: 4006

Am I being stubborn about housing purchase

Am I being stubborn? I am debating on decreasing retirement savings to increase downpayment for a house. However, I am not convinced this is most prudent thing. Many colleagues at work tell me that I am just wasting my money by renting. Also, since the housing market in Austin has been increasing ra...
by RhoRho
Wed Mar 21, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA
Replies: 10
Views: 926

Re: Roth IRA

Thanks everyone.
by RhoRho
Wed Mar 21, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA
Replies: 10
Views: 926

Roth IRA

Hello, I have a question about Roth IRAs. My wife is a stay at home mom for our 3 children. As a result, her retirement savings is all in my name. I would like to open up a Roth IRA in her name. I understand that I am able to but can I even if I dont contribute to mine? I dont see why not but wanted...
by RhoRho
Fri Feb 09, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Best BBQ in Austin
Replies: 33
Views: 3308

Re: Best BBQ in Austin

Surprised about the lack of La Barbecue. I thought the drop-off in taste was minimal compared to Franklins. But the experience is much better than Franklin's. Shorter line and free beer while waiting. They do ask for donation for the beer though.
by RhoRho
Wed Jun 03, 2015 11:55 am
Forum: Investing - Theory, News & General
Topic: Achievement based Allocation
Replies: 9
Views: 1115

Re: Achievement based Allocation

I like this method of asset allocation. Do other people adjust their allocation not so much based on age but more based on how much they have relative to their income (or expenses?). I am still pretty young (age 31) and am trying to put as much as I can into retirement on a one income household. Cur...
by RhoRho
Thu Dec 18, 2014 2:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2014 Dividend Decleration
Replies: 4
Views: 1374

Vanguard 2014 Dividend Decleration

Is there going to be a dividend for the Lifecycle funds? When would it be announced?
by RhoRho
Tue Dec 16, 2014 10:34 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2308
Views: 1457496

Re: The Three Fund Portfolio

So does this mean that if I am only investing in my company's Traditional 401k (which does not have Vanguard) and Vanguard for my Roth IRA, there is no advantage to using the 3-fund portfolio if I am able to use Target Retirement? Taylor's right, but I'm not sure your question is as specific as you...
by RhoRho
Mon Dec 15, 2014 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with first time asset allocation
Replies: 6
Views: 1232

Re: Need help with first time asset allocation

I agree that funding priority should be: 1. 401k to get the full match 2. Knock out credit card debt 3. Knock out tiny school debt 4. Resume investing in the roths/IRA Thanks everyone for your help! This will be my plan. As for my asset allocation I am thinking of getting rid of the lifecycle fund ...
by RhoRho
Mon Dec 15, 2014 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with first time asset allocation
Replies: 6
Views: 1232

Need help with first time asset allocation

Emergency funds: $1000 (but already have plans to increase this to 6 months by the end of 2015) Debt: $900 at 6.4% (school loan) $6000 at 26.5% (credit card - already taken action to get rid of this) $6000 at 1.9% (car loan) Tax Filing Status: Married Filing Jointly with 2 Children Tax Rate: 25% Fed...
by RhoRho
Mon Dec 15, 2014 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 102
Views: 11340

Re: What are your 2015 Financial Goals?

Goals for 2015:

Fund Emergency Account for 6 months (~$15,500)
Max out Roth IRA ($5,500)
Look for ways to increase 401(k) contribution (currently only putting enough in to get full match)
by RhoRho
Mon Dec 15, 2014 11:25 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2308
Views: 1457496

Re: The Three Fund Portfolio

So does this mean that if I am only investing in my company's Traditional 401k (which does not have Vanguard) and Vanguard for my Roth IRA, there is no advantage to using the 3-fund portfolio if I am able to use Target Retirement?
by RhoRho
Wed Nov 20, 2013 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401k
Replies: 5
Views: 366

Re: Rolling over 401k

So is the only fees associated with Vanguard the expense ratios? Or are there other fees associated? For instance, would I have to pay for each "trade" or additional purchase of the mutual fund? I do not plan on purchasing individual stocks but just plan on investing in Target Retirement Funds. than...
by RhoRho
Wed Nov 20, 2013 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Rolling over 401k
Replies: 5
Views: 366

Rolling over 401k

I am in the process of moving to another company and have approximately $30k in my 401k. I was going to roll my 401k into an IRA with Vanguard but a co-worker told me to proceed with caution as management fees are high. I thought Vanguard was where many of the Boglehead community agreed was the idea...
by RhoRho
Thu Mar 07, 2013 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Career in Consulting?
Replies: 9
Views: 1059

Re: Career in Consulting?

My wife is ready to start working. She is in the process of updating her resume and starting to apply. However, in this economy who knows how long it will take for her to find a job.
by RhoRho
Thu Mar 07, 2013 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Career in Consulting?
Replies: 9
Views: 1059

Career in Consulting?

I was recently approached by a good friend/mentor about joining her consulting company. She is self-employed and looking to hire an additional full-time employee. The reason for hiring is her workload is growing and needs additional support. I currently work for a large company and get the standard ...
by RhoRho
Sat Feb 09, 2013 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Compare 2012 Effective Tax rate?
Replies: 36
Views: 3560

Re: Compare 2012 Effective Tax rate?

Code: Select all

Adjusted Gross Income:  $58,074.00
Taxable Income:  $34,774.00
Total Tax:  $3,346.00
Total Payments/Credits:  $4,963.00
Amount to be Refunded:  $1,617.00
Effective Tax Rate:  5.76%
Contributing 6% to 401k and an additional $150 per paycheck to HSA. Hoping this makes a dent to our debt.
by RhoRho
Wed Oct 24, 2012 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Work from home
Replies: 1
Views: 528

Work from home

Does anyone have a side job they do at home? I have been looking into LeapForce and being a search engine evaluator. Does anyone see any negatives to this type of work?
by RhoRho
Thu Sep 13, 2012 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Wife want to return to school
Replies: 6
Views: 1321

Wife want to return to school

My wife and I had a child last September. While staying at home with our child she has decided she would like to go back to school to further her studies. She does not feel like her B.S. in Psychology is sufficient for what she would like to do. She is interested in being a school counselor, social ...
by RhoRho
Wed Apr 25, 2012 8:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Austin Chapter Meeting - Saturday May 19
Replies: 23
Views: 3177

Re: Austin Chapter Meeting - Saturday May 19

I would really like for my wife to attend however we have a 7mo. old. Would this be a problem?
by RhoRho
Thu Apr 19, 2012 8:38 am
Forum: Personal Finance (Not Investing)
Topic: Savings Rates
Replies: 15
Views: 2240

Re: Savings Rates

Would you include an HSA if you had one also?
by RhoRho
Thu Apr 19, 2012 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Savings Rates
Replies: 15
Views: 2240

Savings Rates

When calculating your savings rate are you calculating it on a net or gross basis. Do you include anything that is being saved i.e. 401k, IRA, Emergency, HSA, etc.?
by RhoRho
Sun Apr 01, 2012 12:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Austin Chapter Meeting - March 12
Replies: 18
Views: 5385

Re: Austin Chapter Meeting - March 12

I am hoping to make my first meeting. I have been busy with our 6 month year old daughter.
by RhoRho
Thu Mar 22, 2012 9:44 am
Forum: Investing - Theory, News & General
Topic: Free book by Boglehead Oblivious Investor
Replies: 26
Views: 3313

Re: Free book by Boglehead Oblivious Investor

Thanks OI! I have a trip to parents/in-laws this weekend. Maybe I will be able to get some good reading in.
by RhoRho
Sun Mar 18, 2012 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Target Retirement Amount
Replies: 13
Views: 1481

Re: Target Retirement Amount

livesoft- i understand you have a lot of knowledge in this field. however, i do not understand your comment that $100k passing at $2M would pass in the future. I believe the OP was wanting to know if at retirement $2M would be sufficient to payout $100k in today's purchasing power.
by RhoRho
Sun Mar 18, 2012 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Target Retirement Amount
Replies: 13
Views: 1481

Re: Target Retirement Amount

I agree with The Wizard. The $2-$3M is applicable for today but 30 years from now $100k will be $243k assuming 3% inflation year over year. According to firecalc taking $243k with a $4M portfolio would fail the majority of the time.
by RhoRho
Thu Mar 15, 2012 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plans
Replies: 9
Views: 987

529 Plans

I am considering opening up a 529 plan for my daughter. We do not have a lot to contribute right now but plan on contributing $100/month. We live in Texas so we do not have any state tax. Does it make sense to use Texas' Lonestar 529 plan? Or should I look at others like Utah or Virginia? Is there a...
by RhoRho
Thu Mar 15, 2012 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: How much to save for retirement?
Replies: 49
Views: 5558

Re: How much to save for retirement?

Rhorho - I think a lot of the advice here is good, but it is all assuming you are free of consumer (credit card and car) debt and student loan debt. Is that the case? bungalow - no. my wife still has her student loans and it is less than $7k (3.5k @ 2.36% and 3.5k @ 6.05%) we also have a car loan t...
by RhoRho
Thu Mar 15, 2012 9:11 am
Forum: Investing - Help with Personal Investments
Topic: How much to save for retirement?
Replies: 49
Views: 5558

Re: How much to save for retirement?

cub, I worked through your calculation but the distributions will be taxed which is not seen in the calculations.
by RhoRho
Thu Mar 15, 2012 9:06 am
Forum: Investing - Help with Personal Investments
Topic: How much to save for retirement?
Replies: 49
Views: 5558

Re: How much to save for retirement?

We have a small emergency fund. Only a month worth of expenses but we are working to build this up to 3 months before we really start tackling the investing. I just get worried about the IRA because every year lost is a year we cannot get back.
by RhoRho
Thu Mar 15, 2012 8:50 am
Forum: Investing - Help with Personal Investments
Topic: How much to save for retirement?
Replies: 49
Views: 5558

Re: How much to save for retirement?

My wife is currently staying home with our baby girl and could not be any happier. The looks on their faces when they see each other every morning is priceless. She plans on going back to work when our girl is about a year old and we plan on using her salary for daycare expenses, a small portion for...
by RhoRho
Thu Mar 15, 2012 8:29 am
Forum: Investing - Help with Personal Investments
Topic: How much to save for retirement?
Replies: 49
Views: 5558

How much to save for retirement?

My wife and I are getting a late start on investing. We are 28 and 26 respectively and lived a lifestyle where saving/investing was not our top priority. We are now looking into setting up a Roth IRA and start contributing more to our 401(k). However, we had a baby girl last September so our finance...
by RhoRho
Fri Mar 09, 2012 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and Underlying Funds
Replies: 1
Views: 196

Asset Allocation and Underlying Funds

What is the difference between these two? I am looking at the Target Retirement Fund for 2055. The Asset Allocation is showing a 90/10 split while the underlying fund is showing a 63/27. These are wildly different
by RhoRho
Thu Mar 08, 2012 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Beginning IRA
Replies: 6
Views: 370

Re: Beginning IRA

Thank you for the advice. I did not even think to only convert to 3 fund portfolio once I am having to save in taxable accounts. I am just starting out although I am a little embarrased since I am already 28! I have just broke 4 figures in the 401(k) and want to open up an IRA. :|
by RhoRho
Thu Mar 08, 2012 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: Beginning IRA
Replies: 6
Views: 370

Re: Beginning IRA

Thanks! I knew I was making it more complicated than it seems.
by RhoRho
Thu Mar 08, 2012 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Beginning IRA
Replies: 6
Views: 370

Beginning IRA

I want to set up an IRA but only have the initial $1000 to open up Vangaurd's Target Retirement fund with. After the minimum balance I plan on depositing a portion of my paycheck into the account. However, my goal would be to eventually move to the three fund portfolio but they require a $3000 minim...
by RhoRho
Thu Mar 08, 2012 10:21 am
Forum: Investing - Help with Personal Investments
Topic: How much for Emergency Fund?
Replies: 12
Views: 1875

How much for Emergency Fund?

I have always been curious how people come up with how much is needed for their emergency fund. I have heard people range from 3-12 months of expenses. When calculating expenses are you including everything in your current lifestyle (dining out, cable, large cell phone plans, car notes, insurance, e...
by RhoRho
Thu Jan 05, 2012 1:55 pm
Forum: Personal Consumer Issues
Topic: When do you give up on a used car?
Replies: 34
Views: 4590

When do you give up on a used car?

My wife and I recently had some repairs on my car (2002 Saturn LS w/ 116k mi.) The car is all paid for but this repair cost us just over $1k. We have had some other issues with it in the previous 2 years and have spent a total of $3-4k. I do not have the receipts in front of me. My wife talked with ...
by RhoRho
Tue Nov 15, 2011 1:45 pm
Forum: Personal Consumer Issues
Topic: I can't believe the price of...
Replies: 101
Views: 8230

Re: I can't believe the price of...

Cell phone bills
by RhoRho
Wed Aug 03, 2011 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Portfolio
Replies: 6
Views: 1360

Yes. I am rebalancing my 401k and not sure if i should transfer my funds or reallocate.