Search found 4373 matches

by rkhusky
Wed Nov 22, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: How difficult and expensive to add a new bathroom?
Replies: 22
Views: 772

Re: How difficult and expensive to add a new bathroom?

Could someone please share an actual number for any scenario of their choice? This fall we got a $90k quote for adding 140 sq ft bumpout to our kitchen for a pantry and to expand our kitchen area slightly. It didn't include any cabinetry, countertops or appliances. We live in a very LCOL area and d...
by rkhusky
Wed Nov 22, 2017 2:24 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA Contributions: Still make sense for us?
Replies: 10
Views: 471

Re: Roth IRA Contributions: Still make sense for us?

If you've maxed other tax-advantaged choices, Roth IRA is perfectly fine. It is always better than taxable. Since your income is fairly high, are you using the Backdoor Roth technique?
by rkhusky
Wed Nov 22, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: How difficult and expensive to add a new bathroom?
Replies: 22
Views: 772

Re: How difficult and expensive to add a new bathroom?

We recently added a new 700 sq ft addition to our brick house that included 3 bedrooms and 1 bath for about $70K, but had quotes up to $100K. We were originally going to just add 1 or 2 rooms, but decided that since we were breaking through the brick, we might as well add as much as we'd ever want.
by rkhusky
Wed Nov 22, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard on 2018
Replies: 10
Views: 1553

Re: Vanguard on 2018

YTD: Total Stock Market +18%, Total International +25%
1-Year: Total Stock Market +24%, Total International +24%

Anyone who predicted muted returns for 2017 was way off.
by rkhusky
Tue Nov 21, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: GE - a good value?
Replies: 43
Views: 2606

Re: GE - a good value?

If you want to invest in cheap companies, find a good value index fund. Then you are not subject to single stock risk. Companies are cheap for a reason. Some will rebound and some will crash. It's hard to know which in advance.
by rkhusky
Tue Nov 21, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 401k Options
Replies: 4
Views: 223

Re: Thoughts on 401k Options

If the expense ratios for your Vanguard funds are in the 0.05% - 0.10% range, I would only use a managed fund, such as TRRNX, if its expense ratio was less than 0.20%, and only then if you are unable or unwilling to manage the simple portfolio suggested above.
by rkhusky
Tue Nov 21, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: What are the things you want to do between 55 and 65?
Replies: 107
Views: 5824

Re: What are the things you want to do between 55 and 65?

Spend time with our children before they head off to college and get busy with their lives.
by rkhusky
Mon Nov 20, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 102
Views: 10553

Re: The valet smashed my Tesla into a brick wall!

I too am curious if Tesla does not have automatic brake activation for frontal impact. Does it even have collision warning? Yes, it does, but it can’t override the laws of physics. Neither can it override some idiot on a joy ride. I would not be surprised if brakes were auto-applied before the coll...
by rkhusky
Mon Nov 13, 2017 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation for 5% return
Replies: 65
Views: 4775

Re: Asset allocation for 5% return

Would it be a hardship on the company to contribute the full 5% every year? If not, then you could consider Vanguard LifeStrategy Income (20/80) or Target Retirement Income (30/70) on the aggressive side or CD's and/or bonds on the conservative side. If you invest in something riskier, like a 50/50 ...
by rkhusky
Mon Nov 13, 2017 10:37 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Active Won’t Save Your Retirement
Replies: 3
Views: 883

Re: Larry Swedroe: Active Won’t Save Your Retirement

I would also add that with a strong tilt to size and value, one can target a specific expected return with a significantly lower overall exposure to the market factor and greater exposure to term and quality on the bond side. Targeting a specific expected return gives a sense of too much precision ...
by rkhusky
Sun Nov 12, 2017 7:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Reduces 529 Fees
Replies: 10
Views: 1316

Re: Vanguard Reduces 529 Fees

For example, I have I have a Fidelity Unique 529 Plan. Their lowest age based index fund portfolios are 0.13% = underlying fund expense ratio = 0.04%, Fidelity program management fee = 0.04% and the State of NH grubby little fingers fee = 0.05%. My state plan has: Underlying fund expense ratio = 0....
by rkhusky
Sat Nov 11, 2017 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Target fund replacement with access to Admiral shares
Replies: 11
Views: 1241

Re: Target fund replacement with access to Admiral shares

As I look up the costs for the four component funds of the target date fund, it appears that they add up to .32% for the Admiral shares. Is this correct? I guess I’ll just have to pay the 60 bucks and stick with what I have. I think you have miscalculated the ER. You cannot just add the ERs of the ...
by rkhusky
Sat Nov 11, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Cross Site Scripting
Replies: 7
Views: 892

Re: Cross Site Scripting

I have NoScript set up to allow Vanguard to use Javascript and I can see that it is blocking doubleclick.net from using Javascript on Vanguard's site. Is there cause for concern that Vanguard is using doubleclick.net and that it is attempting cross site scripting? Doubleclick is a third-party site....
by rkhusky
Fri Nov 10, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Cross Site Scripting
Replies: 7
Views: 892

Re: Cross Site Scripting

donfairplay wrote:
Fri Nov 10, 2017 8:54 am
In noscript, block doubleclick.net, demdex.net, omtrdc.net
allow vanguard.com and vgcontent.info
NoScript blocks javascript for all sites that are not in the whitelist.
by rkhusky
Fri Nov 10, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: 1/n Portfolio
Replies: 14
Views: 1336

Re: 1/n Portfolio

Performance over a couple years doesn't really tell you how a portfolio will perform over the next 20 years. After 20 years, you will be able to tell what you should have invested in 20 years ago. Unfortunately, you won't be able to go back and redo everything.
by rkhusky
Fri Nov 10, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Cross Site Scripting
Replies: 7
Views: 892

Cross Site Scripting

I use FireFox, with the NoScript extension for my web browser. Recently I've been getting Cross Site Scripting notifications for doubleclick.net when I use Vanguard's site, both while logged into my account and just casual browsing. Before I log into my account (true for all my financial accounts), ...
by rkhusky
Fri Nov 10, 2017 6:48 am
Forum: Investing - Help with Personal Investments
Topic: Having almost 90% of investments with Target Retirement account
Replies: 18
Views: 3672

Re: Having almost 90% of investments with Target Retirement account

One thing to check on is if your income is too high to get a deduction for the IRA. Second this. Roth is definitely better than non-deductible Traditional. Taxable is usually better than non-deductible Traditional. Look at the second table at this page: https://www.bogleheads.org/wiki/Non-deductibl...
by rkhusky
Fri Nov 10, 2017 6:40 am
Forum: Investing - Help with Personal Investments
Topic: Any red flags all stocks no bonds...
Replies: 64
Views: 2678

Re: Any red flags all stocks no bonds...

When will you start adding bonds and how will you do it? It's best to make a plan now, so that you don't over-react to a market downturn.
by rkhusky
Thu Nov 09, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: Improved returns from rebalancing asset allocation
Replies: 6
Views: 557

Re: Improved returns from rebalancing asset allocation

There has not been convincing evidence of a rebalancing bonus. Sometimes it helps performance and sometimes it hurts. It depends on the size of your rebalancing bands and the size of the decline. The benefits of rebalancing should be considered as risk reduction.
by rkhusky
Wed Nov 08, 2017 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need more diversification?
Replies: 11
Views: 612

Re: Do I need more diversification?

Note that the foreign tax credit is currently offset to some extent by a higher rate of dividends for international and less qualified dividends. It may turn out to be close to a wash.
by rkhusky
Wed Nov 08, 2017 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Talk me out of a barbelling / Larry-type portfolio
Replies: 22
Views: 1259

Re: Talk me out of a barbelling / Larry-type portfolio

If you're watching valuations, why don't you want EM? That's where the high returns are expected to be. Also, make sure that you are thinking probabilities, not certainties. There is a given probability P that this approach will be better than a full market approach and a probability 1-P that it wil...
by rkhusky
Wed Nov 08, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Password manager without browser extension?
Replies: 34
Views: 1179

Re: Password manager without browser extension?

iCloud Keychain can be set up to only store things locally and not on the cloud.
by rkhusky
Wed Nov 08, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Eye Doctor $30 to get your Rx? Is this normal?
Replies: 78
Views: 5318

Re: Eye Doctor $30 to get your Rx? Is this normal?

I go to an ophthalmologist for all eye exams. A technician performs the refraction test, which costs about $30 and which I pay out of pocket. I don't pay extra to get the prescription printed. A technician and the ophthalmologist both perform additional tests, which insurance covers. I also pay out ...
by rkhusky
Tue Nov 07, 2017 8:47 pm
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 8723

Re: "I took all my money out of the stock market and it feels amazing"

I thought Vanguard showed that 10/90 was less risky than 0/100.
by rkhusky
Tue Nov 07, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Vangaurd Target Date retirement allocation too aggressive?
Replies: 20
Views: 1650

Re: Vangaurd Target Date retirement allocation too aggressive?

Vanguard 2040 is 87% stock and Vanguard 2035 is 79% stock. Vanguard 2040 will be at 79% stock in 5 years. Vanguard 2035 will be at 72% stock in 5 years. It sounds like you plan to retire at 55. At that time Vanguard 2040 will be at 50% stock and Vanguard 2035 will be at 35% stock. Which are you more...
by rkhusky
Tue Nov 07, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Does an Traditional IRA contribution lose its deductibility if converted to a ROTH IRA?
Replies: 12
Views: 765

Re: Does an Traditional IRA contribution lose its deductibility if converted to a ROTH IRA?

No she can't and if she converted in a future year the contribution would become taxable. A minor quibble - the amount converted would become taxable, which could be lower or higher than the contribution. It may actually be possible to deduct the IRA on 1040 line 32, but the conversion would be add...
by rkhusky
Tue Nov 07, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help selecting Vanguard Funds
Replies: 9
Views: 843

Re: Need Help selecting Vanguard Funds

If this is for a taxable account and you are in the 25% tax bracket or higher, you may want to look at Intermediate Tax Exempt, instead of Total Bond Market. If you already have a large portfolio, you could even just start with Total Stock, since $10K wouldn't affect your overall portfolio much. Not...
by rkhusky
Tue Nov 07, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) or Roth 401(k)?
Replies: 21
Views: 1904

Re: 401(k) or Roth 401(k)?

Also as for 529s for the kids… husband and I have been talking about starting an account. Then I learned recently that my company offers after-tax 401(k) contributions. From what I read (hopefully correctly), does it make sense to doing a mega backdoor Roth instead of 529 once we fully max our pre-...
by rkhusky
Tue Nov 07, 2017 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Would it be foolish to rebalance treasuries before Dec?
Replies: 3
Views: 253

Re: Would it be foolish to rebalance treasuries before Dec?

I am not sure if this qualifies as market timing. My equity side has drifted enough to need rebalancing. Would it be foolish to rebalance today instead of after the rate hike in December? The rebalance would be into Vanguard Intermediate Term Govt. Bond, which is federal debt with a 5.2 year durati...
by rkhusky
Tue Nov 07, 2017 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Need input: minor rear fender bender with a veteran
Replies: 14
Views: 1873

Re: Need input: minor rear fender bender with a veteran

The arguments going along the lines of "the guy in front shouldn't have been there" or "I didn't expect him to be there" or "the driver in front should have taken evasive action to avoid the accident, and since he didn't therefore his is liable" are hogwash in California. The onus is on the guy in ...
by rkhusky
Tue Nov 07, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: SIPC
Replies: 3
Views: 325

Re: SIPC

It appears then that Vanguard's statements regarding SIPC protection for brokerage accounts are true, but deceptive. I expect better of them.
by rkhusky
Tue Nov 07, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Where to take more risk: 401k or Roth?
Replies: 32
Views: 2850

Re: Where to take more risk: 401k or Roth?

... there's no such thing as tax loss harvesting in a Roth. ... ... The lack of RMDs (required distributions at age 70 1/2) is kind of a big deal. ... There is also no tax loss harvesting in a 401K or any tax advantaged account. It''s only available in taxable. Roth IRA's currently have no RMD's, b...
by rkhusky
Mon Nov 06, 2017 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Preparing For "Early Retirement" In A Couple of Years
Replies: 77
Views: 7449

Re: Preparing For "Early Retirement" In A Couple of Years

Check out www.cfiresim.com, where you can do a similar analysis to that shown in Early Retirement Now, but with your own numbers. Vanguard also has a tool that uses a different methodology, but doesn't have as many inputs: https://retirementplans.vanguard.com/VGApp/pe/pubeducation/calculators/Retire...
by rkhusky
Mon Nov 06, 2017 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Simulating impact of W-4 changes?
Replies: 5
Views: 371

Re: Simulating impact of W-4 changes?

I use pub 15 to get bracket and exemption info for my tax return spreadsheet, so that I can estimate my taxes throughout the year. I also strive to owe taxes without penalty.
by rkhusky
Mon Nov 06, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Which account to withdraw from - Roth or Taxable?
Replies: 10
Views: 1297

Re: Which account to withdraw from - Roth or Taxable?

... use dividends to pay down the mortgage rather than buy more stock, and sell anything you can sell for a small capital gain. +1. Especially since you have Wellington in taxable, which generates a lot of realized cap gains and dividends. Note also that there is no need to keep your funds in the R...
by rkhusky
Sat Nov 04, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: TSP vs Social Security
Replies: 4
Views: 394

Re: TSP vs Social Security

You can make almost $100K and still remain in the 15% bracket with standard deductions, more if your itemized deductions are higher. You should either do Roth conversions or tax gain harvesting up to the top of the 15% bracket. Use TaxCaster or your own tax software to try out different strategies. ...
by rkhusky
Fri Nov 03, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) or Roth 401(k)?
Replies: 21
Views: 1904

Re: 401(k) or Roth 401(k)?

Expecting a pension? Planning to retire early (age 60 or earlier)? Thoughts of moving to a lower taxed state after retirement? What living expenses do you expect in retirement? Planning to delay SS until age 70? If you retire early and take SS at 70 and your expenses would put you in the middle of t...
by rkhusky
Fri Nov 03, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Having almost 90% of investments with Target Retirement account
Replies: 18
Views: 3672

Re: Having almost 90% of investments with Target Retirement account

Thank you all! Really appreciate the solid advice from everyone. Do you expect your salary to increase significantly in the next 10-20 years (i.e. are you pre-med, pre-law, etc?)? Are you expecting a significant pension in retirement? If the answers are both "no", then you should probably be using ...
by rkhusky
Fri Nov 03, 2017 8:23 am
Forum: Investing - Theory, News & General
Topic: Expanding on The Rewards Of Multiple Asset Class Investing
Replies: 38
Views: 2639

Re: Expanding on The Rewards Of Multiple Asset Class Investing

(I am a math/stats person, but definitely not a finance person) Snarfanio is confusing expectation with realizations. The actual return of a portfolio depending on realized returns and realized correlations has nothing to do with the ex ante expected returns. In other words, the expectations involv...
by rkhusky
Fri Nov 03, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: File 1040 on January 1st to thwart identity thieves?
Replies: 14
Views: 1359

Re: File 1040 on January 1st to thwart identity thieves?

Just make sure you owe money every year. No ID thief will turn in that type of tax return. The IRS will know that yours is the true one and you will have no further hassles. I'm not sure if you're joking. The criminal files a form which indicates large withholding, or large estimated payments, then...
by rkhusky
Fri Nov 03, 2017 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Help with estimating income taxes I will owe in 2017
Replies: 10
Views: 1067

Re: Help with estimating income taxes I will owe in 2017

You get $1000 tax credit for each child. But you lose $50 of that for every $1000 your AGI is over $110,000 (AGI is the last number on the bottom of the first page of your 1040).
by rkhusky
Thu Nov 02, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: Expanding on The Rewards Of Multiple Asset Class Investing
Replies: 38
Views: 2639

Re: Expanding on The Rewards Of Multiple Asset Class Investing

We always go with equal market weighting because that is the easiest to track and to measure against. But in theory, could one build a portfolio of all, or most stocks, but weight them based upon their optimized impacts on standard deviation and return, which i would assume would mean companies or ...
by rkhusky
Thu Nov 02, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: File 1040 on January 1st to thwart identity thieves?
Replies: 14
Views: 1359

Re: File 1040 on January 1st to thwart identity thieves?

Just make sure you owe money every year. No ID thief will turn in that type of tax return. The IRS will know that yours is the true one and you will have no further hassles.
by rkhusky
Thu Nov 02, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: Expanding on The Rewards Of Multiple Asset Class Investing
Replies: 38
Views: 2639

Re: Expanding on The Rewards Of Multiple Asset Class Investing

When I start talking about adding size, value, Momentum, Alt Lending, Reinsurance, or whatever potential source of uncorrelated return to a portfolio, this is the diagram I have in the back of my mind. T Size, value and momentum are not like the others. In the plot are 4 different assets, which are...
by rkhusky
Thu Nov 02, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Another my 401(k) options are bad, please help posts
Replies: 7
Views: 594

Re: Another my 401(k) options are bad, please help posts

If you can, put some bonds and international into an IRA.

Invest in 401k up to the employer match, then invest in IRA up to max, then invest further in 401k up to max, then invest in taxable.
by rkhusky
Thu Nov 02, 2017 7:49 am
Forum: Investing - Help with Personal Investments
Topic: 3 Admiral funds vs 1 Target fund?
Replies: 10
Views: 853

Re: 3 Admiral funds vs 1 Target fund?

There is not only the rebalancing to consider, but also the glide path adjustments. You weren't planning to stay at 90/10 forever, correct? And most people recommend rebalancing when your AA gets too far out of whack, which requires regular monitoring. Calendar-based rebalancing is easier, but if yo...
by rkhusky
Wed Nov 01, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Limited Term SPIA as bridge income until Social Security? SPIA Ladder Viability?
Replies: 27
Views: 1043

Re: Limited Term SPIA as bridge income until Social Security? SPIA Ladder Viability?

I could do way way better sticking the $750k back into the Vanguard portfolio. To date this year is yielding 7.8% :D To be fair, you should compare to CD rates. Then the return wouldn't look that terrible. If you are getting yearly payouts, what does buying 1, 2, ..., 9 and 10 year CD's look like? ...
by rkhusky
Wed Nov 01, 2017 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Roth after-tax contributions vs. taxable account
Replies: 5
Views: 681

Re: Roth after-tax contributions vs. taxable account

Take a look at the second table on this page for a comparison between taxable and non-deductible Traditional: https://www.bogleheads.org/wiki/Non-deductible_traditional_IRA Note that in this particular case, taxable is better than non-deductible Traditional, but it assumes contribution and withdrawa...
by rkhusky
Wed Nov 01, 2017 7:25 am
Forum: Personal Finance (Not Investing)
Topic: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?
Replies: 65
Views: 19121

Re: Federal Employees: BCBS Basic or GEHA HDHP Health Insurance?

If you use the GEHA high-deductible plan, you cannot use a conventional FSA. You can use a limited-expense FSA which can be used only for medical and vision expenses, and you can also use an HSA, which allows you to contribute much more. I believe that the FSA in this case can only be used for dent...
by rkhusky
Tue Oct 31, 2017 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: My Current 401k Allocation
Replies: 12
Views: 1071

Re: My Current 401k Allocation

Got it did the research more thoroughly. So I take it Small Cap is not advised. My 10% in small cap has been my best performer most recently. There's nothing wrong with adding a small cap fund, it just adds a bit of extra complexity regarding rebalancing and such. The performance difference between...