Search found 133 matches
- Sat Dec 02, 2017 9:39 pm
- Forum: Personal Finance (Not Investing)
- Topic: Keep SUV or Trade in? Financials...
- Replies: 11
- Views: 1219
Re: Keep SUV or Trade in? Financials...
Thanks for the question. When I look at a car, I look at total cost of the car during ownership divided by number of months owned. So if I'm driving a new car, or 4 year old car the "monthly cost of ownership" is basically the same in this scenario for $43k SUV's. The only time it favors keeping lon...
- Sat Dec 02, 2017 4:53 pm
- Forum: Personal Finance (Not Investing)
- Topic: Keep SUV or Trade in? Financials...
- Replies: 11
- Views: 1219
Keep SUV or Trade in? Financials...
For my wife's SUV I like to have something on the newer side. We do road trips, driving kids around etc. While my past car for her, BMW X5 I paid cash $43k w 10k miles on it. Good value, but if I would have invested that money would have been way better of. So in hindsight should have financed. Doin...
- Tue Nov 07, 2017 9:20 am
- Forum: Investing - Help with Personal Investments
- Topic: Preparing For "Early Retirement" In A Couple of Years
- Replies: 77
- Views: 8475
Re: Preparing For "Early Retirement" In A Couple of Years
I would not retire. Give it a few years. Take a nice vacation though. I also would ask if you would retire if the market tanked 30% and jobs were tight, and profits down. +1 You need to do a couple simulations. Take into account a 20% market drop for example. Could you live off that? Children will ...
- Mon Nov 06, 2017 8:31 pm
- Forum: Investing - Help with Personal Investments
- Topic: Help with Kids IRA and RMD's
- Replies: 3
- Views: 361
Help with Kids IRA and RMD's
Hello, my kids received an inheritance. The accounts are in the form of an IRA. The financial planner is telling me we need to take an annual RMD. My question is how does the taxes of an RMD work? For example: if the RMD for the year is $1500. How much taxes are owed? Does it hit my tax return? If t...
- Tue Oct 03, 2017 10:15 pm
- Forum: Investing - Theory, News & General
- Topic: Best way to sell annual stock grants?
- Replies: 8
- Views: 681
- Tue Oct 03, 2017 10:13 pm
- Forum: Investing - Theory, News & General
- Topic: How do you avoid bad market timing for lump sum investments?
- Replies: 67
- Views: 7577
Re: How do you avoid bad market timing for lump sum investments?
I didnt read the entire thread. So posting my thoughts at the end. Remember you need to build a balanced asset allocation. Your asset allocation should have correlation of assets. If the assets are doing different things, go ahead and lump sum invest. Or in a couple of chunks. When the market moves,...
- Tue Oct 03, 2017 9:59 pm
- Forum: Investing - Theory, News & General
- Topic: Best way to sell annual stock grants?
- Replies: 8
- Views: 681
Best way to sell annual stock grants?
I receive quarterly and annual stock grants. The stock has done well over the past couple of years. I want to sell off some shares to diversify, and roll into other investments. So the oldest shares are long and about 50% gains. The recent shares have no gain or loss, and are short. While I was abou...
- Tue Apr 18, 2017 9:22 pm
- Forum: Personal Finance (Not Investing)
- Topic: Starting "web site business". Need an LLC?
- Replies: 20
- Views: 2180
Re: Starting "web site business". Need an LLC?
Agreed. I have some research to do.
Let me ask this: can I start work (paying) my web developer to start the project and pay him out of my personal checking, etc.
Its going to take a few months. It gives me time to get the project under development. Then go "live" after I figure out my LLC, etc.
Let me ask this: can I start work (paying) my web developer to start the project and pay him out of my personal checking, etc.
Its going to take a few months. It gives me time to get the project under development. Then go "live" after I figure out my LLC, etc.
- Tue Apr 18, 2017 8:31 pm
- Forum: Personal Finance (Not Investing)
- Topic: Starting "web site business". Need an LLC?
- Replies: 20
- Views: 2180
Re: Starting "web site business". Need an LLC?
I've started two businesses, wouldn't have been able to sleep at night without the protection that an LLC (or other corporate structure) offers. One of the businesses was a web-based retail business. i was worried about: - credit card info being stolen - personal information being stolen - lawsuit ...
- Tue Apr 18, 2017 5:46 pm
- Forum: Personal Finance (Not Investing)
- Topic: Starting "web site business". Need an LLC?
- Replies: 20
- Views: 2180
Starting "web site business". Need an LLC?
Hi all, I'm investing into a developer to assist me with a web site. My accountant told me to keep track of my expenses as they are tax deductible. My thinking is to spin up an official "business" however I have no idea where to start to register. I've done some internet reading, but in my state (TN...
- Mon Jan 16, 2017 2:14 pm
- Forum: Personal Finance (Not Investing)
- Topic: New startup business: Tax Deductions?
- Replies: 3
- Views: 322
New startup business: Tax Deductions?
I'm considering investing into an internet site. The cost would be about $10k to $15k to launch phase 1. As I'm deciding how much I'm willing to put upfront, I'm wondering if there will be any tax benefits. The "business" will earn little to no revenue in year 1, so operate at a loss. As my income i...
- Sat Dec 17, 2016 9:52 am
- Forum: Investing - Help with Personal Investments
- Topic: Anyone hiding out in short term CDs while rates rise?
- Replies: 47
- Views: 5194
Re: Anyone hiding out in short term CDs while rates rise?
I moved a 6 figure amount out of Vanguard's short term bond index into 6 month, 3% CDs at Andrews. Seemed reasonable - harvested a small loss and will likely get a better return for 6 months. Who knows... in 6 months maybe there will be better CD rates available.. maybe not. Regardless I don't feel...
- Mon Dec 05, 2016 10:02 am
- Forum: Investing - Help with Personal Investments
- Topic: Retirement with $8M in investments
- Replies: 166
- Views: 24885
Re: Retirement with $8M in investments
I have a NW of over 30mm (9mm real estate and 21mm stocks/bonds/cash) and no debt. I'm 51 years old and I would like to retire but I am not yet confident in doing it.... I'm not sure its enough. More money isn't going to make you feel more financially secure. I would suggest two books: 1) How to th...
- Fri Nov 18, 2016 11:38 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Nashville / Mid-TN Chapter Master Thread
- Replies: 39
- Views: 6787
Re: Nashville / Mid-TN Chapter Master Thread
Hi all, what is the best day of the week to meet? Would you all be ok with a mid week meeting at Gerst Haus? How about if we try Wed Dec 14th? I'll setup an email address to RSVP. Will post when I get it setup. GERST HAUS - NASHVILLE 301 Woodland Street Nashville, TN 37213 Telephone: (615) 244-8886
- Thu Nov 17, 2016 11:24 pm
- Forum: Local Chapters and Bogleheads Community
- Topic: Nashville / Mid-TN Chapter Master Thread
- Replies: 39
- Views: 6787
Re: Nashville / Mid-TN Chapter Master Thread
Hello all - I've been out traveling all this week, then next week again. I'll need a couple days to get this organized appreciate the patience. Looking forward to getting together in Nashville. Michael
- Sun Oct 30, 2016 10:41 am
- Forum: Investing - Help with Personal Investments
- Topic: How to retire in 50's if savings is in 401k/IRA?
- Replies: 6
- Views: 1594
Re: How to retire in 50's if savings is in 401k/IRA?
This is a great read. And good to keep in mind as a potential option to consider now, since it takes some future thought and planning.FiveK wrote:See How to withdraw funds from your IRA and 401k without penalty before age 59.5 for some thoughts you may find useful.
- Sun Oct 30, 2016 10:09 am
- Forum: Investing - Help with Personal Investments
- Topic: How to retire in 50's if savings is in 401k/IRA?
- Replies: 6
- Views: 1594
Re: How to retire in 50's if savings is in 401k/IRA?
How mch of your non-401k savings are you willing to spend in your 50's to meet your expenses? Can you reduce your expenses? 60% of your wealth is in non retirement, correct? Yes, 60% non retirement. 40% in retirement accounts. Hopefully the non retirement ratio continues to go higher and the taxabl...
- Sun Oct 30, 2016 9:40 am
- Forum: Investing - Help with Personal Investments
- Topic: How to retire in 50's if savings is in 401k/IRA?
- Replies: 6
- Views: 1594
How to retire in 50's if savings is in 401k/IRA?
So hit a milestone savings number of $2M this week about the same time I hit a milestone age of 45. Income and savings is still healthy, so it got me thinking about the ability to stop working in my late 50's. I'll hit my retirement "number" by the age of 52. However with 40% of my savings in 401k/I...
- Sun Oct 30, 2016 8:18 am
- Forum: Personal Consumer Issues
- Topic: Best watch for around $5,000?
- Replies: 1066
- Views: 262258
Re: Best watch for around $5,000?
I just picked up an Omega Speedmaster for $3600 for my 45th birthday present though months of shopping and research from an online retailer. At the local retail store its about ~$5200 after discounts. With certain Omega and Rolex you can have high resale value anytime IF 1) its authentic with papers...
- Sat May 07, 2016 5:29 am
- Forum: Investing - Theory, News & General
- Topic: 4% rule and interest rates
- Replies: 28
- Views: 4416
Re: 4% rule and interest rates
Subscribing... I'm interested in this topic as well.
- Sat Apr 30, 2016 12:12 pm
- Forum: Investing - Help with Personal Investments
- Topic: Lump Sum Retirement Strategy Conflict / Advice
- Replies: 6
- Views: 755
Lump Sum Retirement Strategy Conflict / Advice
So my friend is 62, sold his business for $2.1M (after taxes), and is trying to figure out how to structure his annual income from the $2.1M. He's seen multiple financial advisors. He settled on a strategy that I thought was odd. His strategy: put $500k in a checking account to cover expenses indefi...
- Sun Apr 17, 2016 2:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Starting side business: tax questions?
- Replies: 1
- Views: 396
Starting side business: tax questions?
My annual work income is about $300k. Another $20k in dividends and interest. I'm interested in spinning up a side business for a hobby of mine, not looking to make big money the first 2 to 5 years. But to get it off the ground until I can do it full time in about 10 years. My question is regarding ...
- Fri Jan 15, 2016 3:32 pm
- Forum: Investing - Help with Personal Investments
- Topic: TLH Aftermath - Will this trigger a wash sale ?
- Replies: 6
- Views: 833
Re: TLH Aftermath - Will this trigger a wash sale ?
Executed a TLH from VXUS ==> VEU today. I had a sizeable enough loss in taxable (unfortunately) to make it worth while... I'll eventually roll back into VXUS for the lower fees.
- Wed Jan 06, 2016 8:37 pm
- Forum: Investing - Theory, News & General
- Topic: VWO: what a terrible performance!!
- Replies: 79
- Views: 11246
Re: VWO: what a terrible performance!!
Mojorisin, For the most part, anything under 5% of your portfolio is unlikely to make any substantial difference in your portfolio performance in the long run. I'm assuming that you're holding a diversified international fund that already has emerging markets in it. If this is so, then you're possi...
- Tue Jan 05, 2016 4:27 pm
- Forum: Investing - Theory, News & General
- Topic: VWO: what a terrible performance!!
- Replies: 79
- Views: 11246
VWO: what a terrible performance!!
I have 2% of my portfolio in VWO Emerging Markets. $100 pre 2007, $50 early 2011, $31 early 2016. Gladly I'm only down about 5% or so overall. But geez... and everything I read just shows emerging markets to continue down. Its making it hard to continue to push new money into VWO to keep my allocati...
- Fri Dec 25, 2015 12:13 pm
- Forum: Personal Finance (Not Investing)
- Topic: mortage vs saving - what would you do?
- Replies: 18
- Views: 2239
Re: mortage vs saving - what would you do?
I personally subscribe to building my strategy "with the end in mind". My end goal is to have $4M in total savings, which I can then live off 4% interest. When I hit that, I'm done working for good. So I start with that, then build my financial plan to get there. What is the best way to get to my go...
- Mon Aug 03, 2015 12:48 pm
- Forum: Investing - Theory, News & General
- Topic: VWO and 4% Dividend?
- Replies: 3
- Views: 1950
VWO and 4% Dividend?
I have a 5% slice of Emerging Markets via VWO. I notice it pays a 4% dividend. Is that accurate, or am I missing something? Do we get the full 4% in the U.S. for example?
If I was a trader, this would be a good fund to "trade". Seems to swing from 35 to 45 over periods.
If I was a trader, this would be a good fund to "trade". Seems to swing from 35 to 45 over periods.
- Fri Jul 24, 2015 8:33 am
- Forum: Personal Finance (Not Investing)
- Topic: Real Estate paperwork for sold/deceased over 5 years?
- Replies: 6
- Views: 689
Re: Real Estate paperwork for sold/deceased over 5 years?
Maybe scan and keep electronic copies. Just this week, I came across a situation where I needed a HUD from 7 years ago to qualify for a 4,000 tax refund. I tossed my copy, but thank GOD the bank still had an electronic scan!
- Sun Jul 19, 2015 4:28 pm
- Forum: Investing - Help with Personal Investments
- Topic: TLH from VWO into EEM?
- Replies: 4
- Views: 457
TLH from VWO into EEM?
I found some older posts that state you can TLH from VWO into EEM. However they look like similar funds. Can anybody confirm? Thanks.
- Fri Feb 27, 2015 2:56 pm
- Forum: Investing - Theory, News & General
- Topic: Oil ETF?
- Replies: 14
- Views: 2104
Re: Oil ETF?
I was looking at USO. However after doing more searching, determined not going this route. Looking at OIL instead.
- Fri Feb 27, 2015 2:47 pm
- Forum: Investing - Theory, News & General
- Topic: Oil ETF?
- Replies: 14
- Views: 2104
Oil ETF?
Yes, this is speculation on my part. Not part of my core asset allocation.
Is anybody speculating and buying any Oil ETF's to hold for a longer term bump? If so, what are you buying (which funds)?
Is anybody speculating and buying any Oil ETF's to hold for a longer term bump? If so, what are you buying (which funds)?
- Sat Jan 24, 2015 10:45 pm
- Forum: Investing - Help with Personal Investments
- Topic: How to auto invest VTI/VXUS with no fees??
- Replies: 9
- Views: 2356
Re: How to auto invest VTI/VXUS with no fees??
Thanks for the responses. I called Fidelity again. I can do an auto invest with Fidelity Mutual Funds, with no cost. Fidelity equivalent of VXUS and VTI have the same annual cost as Vanguard. So I'll drop $10k into each of those funds, then setup my auto invest. I can set the fixed amount each month...
- Sat Jan 24, 2015 1:09 pm
- Forum: Investing - Help with Personal Investments
- Topic: How to auto invest VTI/VXUS with no fees??
- Replies: 9
- Views: 2356
How to auto invest VTI/VXUS with no fees??
I am looking to setup a monthly purchase of VTI and VXUS. Most of my investments are held at Fidelity, which is where I buy/sell investments. Option 1 When I try to setup an auto investment it requires I select a mutual fund, not an ETF. Then if I try to buy a Vanguard mutual fund, it wants to charg...
- Thu Nov 27, 2014 9:34 am
- Forum: Personal Consumer Issues
- Topic: Bogleheads, tell me about your 40's?
- Replies: 103
- Views: 23105
Re: Bogleheads, tell me about your 40's?
Excellent thread. I just turned 43. When I heard the term "mid life crisis" when I was younger, I always assumed it would equate to a need to buy a 2 seater sports car or a side girlfriend. Turns out my "crisis" boils down to me wanting to hit a specific amount of savings so I can retire early. If I...
- Sat Aug 23, 2014 11:58 am
- Forum: Investing - Theory, News & General
- Topic: Help with data points on why passive vs. managed
- Replies: 5
- Views: 707
Help with data points on why passive vs. managed
I'm trying to find factual data points, numbers, on passive vs. active. When searching I find the reasons "why" but not the data to back it up. While I continue searching, if anybody has a link or data they can point me to that would be great. I've already bought into the strategy, but pulling toget...
- Thu Dec 12, 2013 8:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Small Business: Massage Parlor?
- Replies: 10
- Views: 2719
Small Business: Massage Parlor?
We've moved from the north to the south, in a rapidly growing city. Back at "home" there are massage parlors everywhere, and I "hear" they do very well financially. As I'm doing some research on this, and contact some existing franchises, does anybody on this board have experience in this business? ...
- Tue Nov 12, 2013 7:50 pm
- Forum: Personal Finance (Not Investing)
- Topic: Golf Membership: Tax Deductable?
- Replies: 5
- Views: 834
Golf Membership: Tax Deductable?
I work for a large software company, so I do not get any tax deductions (mileage, office, etc). However if I joined a golf club and used it occasionally for work meetings and taking client to golf then could I deduct the membership and dues from my gross income? I'm in a 30% ($300k income) tax brack...
- Wed Oct 02, 2013 7:40 pm
- Forum: Investing - Help with Personal Investments
- Topic: How to unwind a profitable position and rebalance?
- Replies: 14
- Views: 1565
Re: How to unwind a profitable position and rebalance?
What makes those funds so "inefficient" vs. an index fund? I have all index and individual muni's in my taxable.
- Tue Oct 01, 2013 7:55 am
- Forum: Personal Consumer Issues
- Topic: Car Lease as part of a compensation package
- Replies: 27
- Views: 2480
Re: Car Lease as part of a compensation package
At a minimum you need to provide them a choice of manufacturer. Not everybody likes to drive an import. I would suggest Cadillac if you sell to any American customers.
- Sat Sep 14, 2013 8:37 pm
- Forum: Personal Consumer Issues
- Topic: Android Tablet
- Replies: 42
- Views: 4788
Re: Android Tablet
I have a Surface RT, Surface PRO, and iPad. Of the 3, I use the Surface PRO 99% of the time. I use the RT if I need extra battery life. The iPad is pretty much for consuming only, you cannot get any real work done so I gave it to the kids for playing games. The PRO is awesome, runs full version of W...
- Fri Aug 16, 2013 8:31 pm
- Forum: Personal Consumer Issues
- Topic: I get motion sickness from the office
- Replies: 6
- Views: 1279
I get motion sickness from the office
I've been having this issue for a while. I get a form of motion sickness when I'm working at the office. Its like I can feel the building vibrating. I used to be on the 20th floor, where it was really bad. Now I'm on the 4th floor, and while not as bad, it still makes me sick after a few hours. I'm ...
- Sat Aug 10, 2013 10:55 am
- Forum: Investing - Theory, News & General
- Topic: Mortgage vs. using cash to buy a house
- Replies: 29
- Views: 4825
Re: Mortgage vs. using cash to buy a house
I am in this same situation. I have enough taxable (liquid) savings to pay cash for my home, plus still have a decent deal of money left over. Plus retirement savings. So how do you decide to do a mortgage vs. pay cash? For me this is all about my pool of money for retirement. My goal is to have $xx...
- Thu Aug 08, 2013 10:13 pm
- Forum: Investing - Theory, News & General
- Topic: VTI / VXUS Dividend
- Replies: 7
- Views: 1742
Re: VTI / VXUS Dividend
Thanks for the info. Question - the vanguard shows a quarterly dividend with a distribution yield of 3% for VXUS. Does that mean a 3% annual dividend? Its not paying 3% per quarter? Thanks.
- Wed Aug 07, 2013 10:39 pm
- Forum: Investing - Theory, News & General
- Topic: VTI / VXUS Dividend
- Replies: 7
- Views: 1742
VTI / VXUS Dividend
Is there a consistent timeframe which dividends are paid out? Also: how is the annual dividend determined? Thanks.
- Mon Aug 05, 2013 8:57 pm
- Forum: Personal Finance (Not Investing)
- Topic: Average cost to build a 5000 sq feet house
- Replies: 56
- Views: 66443
Re: Average cost to build a 5000 sq feet house
We are building a custom home with high end finishes. You should estimate $200 a sq foot (including $18k in appliances, etc).
- Mon Apr 29, 2013 11:18 am
- Forum: Investing - Help with Personal Investments
- Topic: Advantages of contributing after tax $ to a 401K
- Replies: 110
- Views: 18075
Re: Advantages of contributing after tax $ to a 401K
this one is intriguing, so what is the advantage of rolling it over versus directly investing in the Roth? Can exceed the $5000 annual IRA limit? Yes, you can. Last year I contributed $23k after-tax, and I rolled them over to my Roth in january. My employer allows one "in-service withdrawal" every ...
- Wed Apr 17, 2013 1:02 pm
- Forum: Investing - Theory, News & General
- Topic: Interesting Asset Correlation Chart
- Replies: 5
- Views: 1405
Interesting Asset Correlation Chart
Hi all, came across the following and thought it was interesting
http://www.assetcorrelation.com/majors/183
http://www.assetcorrelation.com/majors/183
- Wed Apr 17, 2013 12:18 pm
- Forum: Investing - Theory, News & General
- Topic: How to Determine Your True Risk Tolerance...
- Replies: 64
- Views: 10054
Re: How to Determine Your True Risk Tolerance...
This may be heresy, but I do not ascribe to idea that the standard deviation(SD) of yearly return is directly proportional to risk in the sense that I think of as risk. (E.g being in a plane crash or getting hit by a bus) The biggest issue in equities is short term volatility. If you need the money...
- Tue Apr 16, 2013 10:18 pm
- Forum: Investing - Help with Personal Investments
- Topic: VWAHX (High Yield MUNI) and AMT?
- Replies: 8
- Views: 2132
Re: VWAHX (High Yield MUNI) and AMT?
So you only received $360 of interest on $50k investment?
- Tue Apr 16, 2013 3:59 pm
- Forum: Investing - Help with Personal Investments
- Topic: VWAHX (High Yield MUNI) and AMT?
- Replies: 8
- Views: 2132
VWAHX (High Yield MUNI) and AMT?
I'm looking at VWAHX to round out my bond allocation, in my taxable account. However I read that this particular muni fund isn't a good choice for individuals who hit AMT, so I will have to pay taxes on gains.
Can anybody explain what AMT is, and how it impacts this particular muni fund? Thanks.
Can anybody explain what AMT is, and how it impacts this particular muni fund? Thanks.