Search found 14 matches

by oncall
Sat Aug 29, 2015 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Take a 0.74% car loan or pay with cash?
Replies: 78
Views: 8303

Re: Take a 0.74% car loan or pay with cash?

Thanks for all the replies. It's a 3 year loan and it doesn't require any insurance coverage beyond what I would have otherwise.

It sounds like there's no consensus, but that's kind of what I expected. I'm leaning towards taking the loan and investing the saved cash.
by oncall
Fri Aug 28, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 0.74% car loan or pay with cash?
Replies: 78
Views: 8303

Take a 0.74% car loan or pay with cash?

I'm considering buying a new car to replace my current car which I've owned since I bought it new 13 years ago. My bank has pre-approved me for an auto loan with a 0.74% APR. I've been expecting this car purchase for a while so I've been saving and have the money to purchase with cash, and that cash...
by oncall
Sat Mar 15, 2014 11:46 am
Forum: Investing - Help with Personal Investments
Topic: On track to semi-retire at 45?
Replies: 11
Views: 1608

Re: On track to semi-retire at 45?

I may be pointing out the obvious, but your personal situation is absolutely key here. I was recently quite similarly situated, but now I'm expecting a daughter in the summer. That's going to change everything -- even more so than ERs and VA tax. Absolutely. It feels a little silly asking for advic...
by oncall
Sat Mar 15, 2014 11:10 am
Forum: Investing - Help with Personal Investments
Topic: On track to semi-retire at 45?
Replies: 11
Views: 1608

Re: On track to semi-retire at 45?

Getting rid of that active fund will also greatly improve your tax efficiency going forward. According to Morningstar, the 10-yr tax cost ratio for EXWAX is 1.34 while VTSAX has a 10-yr tax cost ratio of 0.34. That is 3.6 times higher, which is not good. In addition, EXWAX is taking above average r...
by oncall
Sat Mar 15, 2014 10:25 am
Forum: Investing - Help with Personal Investments
Topic: On track to semi-retire at 45?
Replies: 11
Views: 1608

Re: On track to semi-retire at 45?

island wrote:Did you already move your funds out of your 401K?
Yes. I've rolled all my previous 401k plans into an IRA at Vanguard.
by oncall
Fri Mar 14, 2014 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: On track to semi-retire at 45?
Replies: 11
Views: 1608

On track to semi-retire at 45?

Emergency funds: 3 months Debt: None. Renting & car is payed off. Tax Filing Status: Single Tax Rate: 28% Federal, 0% State State of Residence: TX (no state income tax) Age: 36 Desired Allocation: 80% stocks / 20% bonds Desired International allocation: 25% of stocks Current holdings (79% stocks / 2...
by oncall
Sun Feb 23, 2014 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with Annual Bonus
Replies: 12
Views: 1358

Re: What to do with Annual Bonus

Do you receive any matching contributions from your employer when you contribute to your 401k? It's still early in 2014, so making a large contribution to your 401k now could reduce your ability to take full advantage of that company match with your future 2014 contributions. I guess it will depend ...
by oncall
Mon Dec 30, 2013 4:11 am
Forum: Investing - Theory, News & General
Topic: Being taxed in taxable account.
Replies: 41
Views: 2598

Re: Being taxed in taxable account.

Yep, I did it with VTSMX and calculated the number of shares on the current price. Glad to know that I've got the basic idea down though.

Now I need to go read about qualified vs non-qualified dividends. That's new to me.
by oncall
Mon Dec 30, 2013 3:56 am
Forum: Investing - Theory, News & General
Topic: Being taxed in taxable account.
Replies: 41
Views: 2598

Re: Being taxed in taxable account.

You can look up the recent distributions on the Vanguard site under the VTSMX Distributions tab VTSAX pays out dividends quarterly. In 2013, it payed dividends of $0.765 per share. If you buy $30k of VTSAX, you'll have about 645 shares, which would have distributed about $493 in 2013. Assuming you'r...
by oncall
Tue Apr 23, 2013 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: How do I decide when to sell high-expense funds?
Replies: 13
Views: 1186

Re: How do I decide when to sell high-expense funds?

grabiner & Artsdoctor - You're right that I haven't been considering the ongoing tax cost of dividends & capital gains. That's a good point. I've read about tax-efficient fund placement on the wiki, but I'm not sure if I've applied that knowledge very well to my own portfolio. That's something that ...
by oncall
Tue Apr 23, 2013 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: How do I decide when to sell high-expense funds?
Replies: 13
Views: 1186

Re: How do I decide when to sell high-expense funds?

Thanks for the replies. MN Finance & Middle - You bring up a good point about taxes. I'll have to pay taxes on those gains whether I sell now or later, so it shouldn't really factor into my decision. In fact, I think it's more likely that capital gains rates will be higher when I retire. If that's t...
by oncall
Tue Apr 23, 2013 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: How do I decide when to sell high-expense funds?
Replies: 13
Views: 1186

How do I decide when to sell high-expense funds?

I'm 35 and the majority of my retirement savings are held in low-cost index funds, but I do have some some actively-managed funds which I acquired several years ago. None of these funds are terrible, but I feel that I would be better off in the long-run if I sold those to invest in lower-cost index ...
by oncall
Thu Feb 02, 2012 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Keep my car or buy new car?
Replies: 73
Views: 4404

Re: Keep my car or buy new car?

I don't know how much this will affect your decision, but $1200 is pretty high for the 60k service on a WRX. My dealer just quoted me $700 for my WRX's 90k service. That excludes the spark plug replacement, but parts and labor on that shouldn't be $500.
by oncall
Tue Jan 31, 2012 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice after recent IPO windfall
Replies: 10
Views: 1347

Re: Portfolio advice after recent IPO windfall

Congratulations on the IPO. I was in a somewhat similar financial situation when I was about your age. My employer was acquired by a larger company. My original stock options were bought for cash in one lump sum payment, and then I was issued a generous number of options at the new company, vesting ...