Search found 32 matches

by ursineogre
Thu Dec 29, 2016 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing retirement accounts; looking to start taxable
Replies: 13
Views: 1691

Re: Maxing retirement accounts; looking to start taxable

Thanks for the reply. I did a combination of saving and the ETF route...boosted the emergency fund to $7100 and bought two shares of VXUS. I will probably do as you suggested and buy the investor shares once we hit $3000 in the ETFs. Yes, I'm in the 15% bracket.
by ursineogre
Sun Dec 11, 2016 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing retirement accounts; looking to start taxable
Replies: 13
Views: 1691

Re: Maxing retirement accounts; looking to start taxable

You are in great shape! Congrats on making what must have been a series of good decisions. I would go with option #1 with this caveat - build up your ER to 3-6 months of living expenses (not income). We had such an ER throughout our working life and this strategy got us through a tough job loss. Th...
by ursineogre
Sun Dec 11, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing retirement accounts; looking to start taxable
Replies: 13
Views: 1691

Re: Maxing retirement accounts; looking to start taxable

All, I'm interested in starting taxable investing and wanted to get the community's opinion on several options I've been considering. Below is my status: Emergency fund $6500 (1.5 months) 3 months ≈ $12000…doable by December 2017 Debt : $0 Tax Filing Status : Married Filing Jointly Tax Rate : 15% F...
by ursineogre
Sun Dec 11, 2016 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing retirement accounts; looking to start taxable
Replies: 13
Views: 1691

Re: Maxing retirement accounts; looking to start taxable

Increase your emergency fund first. Once you have a larger emergency fund 3-6 months of expenses, start investing in taxable accounts. Start with Total International Stock Investor shares. Once your fund balance exceeds 10K, you will be promoted to Admiral shares. Promotion from Investor to Admiral...
by ursineogre
Sun Dec 11, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing retirement accounts; looking to start taxable
Replies: 13
Views: 1691

Re: Maxing retirement accounts; looking to start taxable

Unless you want to use an ETF, I'd just save the $3k. Putting STAR or a Target fund in taxable will bring extra work at tax time. Moving a Roth from USAA to Vanguard will probably have an account closing fee. I haven't had any experience with VNG for taxable investing, but I assume the filing would...
by ursineogre
Sun Dec 11, 2016 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing retirement accounts; looking to start taxable
Replies: 13
Views: 1691

Re: Maxing retirement accounts; looking to start taxable

I vote that you buy the Vanguard ETF. Then when you have $3,000 Vanguard can convert it to the mutual fund shares for you. The transaction will be taxable but you will not pay a comission. I prefer to mutual funds to ETFs for simplicity (you can just pull money in and out on a lazy Sunday afternoon...
by ursineogre
Sun Dec 11, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing retirement accounts; looking to start taxable
Replies: 13
Views: 1691

Maxing retirement accounts; looking to start taxable

All, I'm interested in starting taxable investing and wanted to get the community's opinion on several options I've been considering. Below is my status: Emergency fund $6500 (1.5 months) 3 months ≈ $12000…doable by December 2017 Debt : $0 Tax Filing Status : Married Filing Jointly Tax Rate : 15% Fe...
by ursineogre
Tue Feb 09, 2016 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Already filed taxes, didn't include small amount of interest income
Replies: 31
Views: 5049

Re: Already filed taxes, didn't include small amount of interest income

Sorry: forgot to mention that I already got and deposited my federal and state refunds. So, yes, the original has cleared. I'm just wondering why I would have to file a paper copy rather than file the amendment online.
by ursineogre
Tue Feb 09, 2016 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Already filed taxes, didn't include small amount of interest income
Replies: 31
Views: 5049

Re: Already filed taxes, didn't include small amount of interest income

I used H&R Block to file in January and now I found out that some shares my wife had that her parents bought for her are (finally) considered worthless. The company had been going downhill for years and now the stocks are worth nothing. H&R Block online says this: "To file an amended re...
by ursineogre
Sun Sep 22, 2013 5:11 pm
Forum: Personal Consumer Issues
Topic: Free Wharton MBA Classes
Replies: 26
Views: 3814

Re: Free Wharton MBA Classes

If it makes anyone feel any better or more motivated to take the courses, I have completed one coursera course so far. I attempted the Cryptography course (Stanford), but I do not have the discrete probablity background and did not get it quickly (my background is electrical engineering, focusing on...
by ursineogre
Wed Sep 04, 2013 2:19 pm
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 239
Views: 38776

Re: Body by Science Workout

I think the BBS workout seems similar to the Lean Gains or Strong LIfts 5x5 workouts. Both emphasize focusing on a finite set of exercises, primarily bench press, squats, deadlift, overhead press and rows (or chinups/pullups), resting 1 or 2 days between workouts and getting back to it. In two weeks...
by ursineogre
Sat Aug 24, 2013 3:15 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Quicken
Replies: 41
Views: 31463

Re: Alternatives to Quicken

What I use is KMyMoney. I went from MSMoney to Quicken all the time trying other products like GnuCash and Moneydance and a few others before I settled on KMyMoney. I have 2 investment companies, Fidelity and Vanguard with about 10 accounts combined. 4 banks, 6 credit cards, and 2 credit unions. I ...
by ursineogre
Fri Aug 23, 2013 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Stop Roth to pay off student loans?
Replies: 21
Views: 2029

Re: Stop Roth to pay off student loans?

I am hoping I can survive this latest downsizing for at least a few years, I plan to find a guard/reserve unit if I get cut short at any point. Finding a full time Guard or Reserve gig is not as easy as you make it out to be. You'll need to find a unit that wants your specialty code, that has an op...
by ursineogre
Fri Aug 23, 2013 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan?
Replies: 22
Views: 3381

Re: Which 529 plan?

I get the state tax benefits, but what is the end result in living in one state and using a 529 from another state? If I live in VA and have a 529 in NY, does that mean my kids have to go to college in NY? What if they want to go to college in Alaska?
by ursineogre
Fri Aug 16, 2013 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Stop Roth to pay off student loans?
Replies: 21
Views: 2029

Re: Stop Roth to pay off student loans?

I'm assuming you are Lt and not enlisted. Regarding a career, I felt the same way (make O-3, see what happens), but was RIFed in 2007. Still wanting to serve, I joined a new guard unit in 2007 and have had great success for the past six years. I agree with paying off your parents. My wife and I paid...
by ursineogre
Wed Aug 14, 2013 3:33 pm
Forum: Investing - Theory, News & General
Topic: Roth vs traditional ira poll
Replies: 52
Views: 15651

Re: Roth vs traditional ira poll

I personally am contributing the maximum to my Roth TSP and Roth IRA each year, but I expect to draw more taxable income in retirement than I do now. After I transfer to the fleet reserve I will likely take a contracting job making much more taxable money, so it is only logical that I pay taxes now...
by ursineogre
Tue Aug 13, 2013 3:30 pm
Forum: Investing - Theory, News & General
Topic: Roth vs traditional ira poll
Replies: 52
Views: 15651

Re: Roth vs traditional ira poll

Johm221122, do you have a flowchart, checklist or similar in mind for making the choice? It seems ilke you have something in mind that investors should do one or the other then switch based on income/age/something. I've struggled with this decision myself over the years and see differing answers on ...
by ursineogre
Sat Aug 10, 2013 1:30 pm
Forum: Personal Consumer Issues
Topic: Car inspection while out of state?
Replies: 3
Views: 605

Car inspection while out of state?

Has anyone needed to get their car inspected while out of state? My wife is visiting her parents this summer while I am away for work and the registration is due, but she can't file the registration without the inspection and emissions test. She decided to stay at her parents a month longer than pla...
by ursineogre
Sat Aug 10, 2013 12:25 pm
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 61
Views: 8072

Re: Help me to understand time shares

I agree with the previous posters: don't get one. My parents bought one with my grandparents 30 years ago and my dad has been paying the yearly maintenance fees even though we haven't been going. You could think of it as forcing you to go, or if you can't go, you still have to pay. Each year the fee...
by ursineogre
Tue Aug 06, 2013 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate & budget stress
Replies: 22
Views: 3105

Re: Savings rate & budget stress

For the organic food issue: First, since your wife is 6 months pregnant, now is not the time to make a huge stand on whether she should eat organic products. I would argue that a few extra hundred dollars over the next 3 months is worth it, since she thinks it's important, & I tend to agree pre...
by ursineogre
Thu Aug 01, 2013 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: TSP - Traditional vs Roth
Replies: 16
Views: 2521

Re: TSP - Traditional vs Roth

At the very least your statements (which are available online) will show the breakdown between Roth and traditional TSP. I would put everything in TSP, because I am happy with the investment options and low fees. Ah, yes I see the breakdown now. I have not yet maxed out our two Roths, but that is o...
by ursineogre
Tue Jul 30, 2013 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: TSP - Traditional vs Roth
Replies: 16
Views: 2521

Re: TSP - Traditional vs Roth

I have been dipping my toe in the water with Roth TSP contributions for a few months now, but I'm really interested in the tax filing process for Roths. Right now I am deployed (I realized I could put a ton of money this calendar year into a Roth), so my taxable income will be reduced by about 25% f...
by ursineogre
Fri Jul 26, 2013 12:13 pm
Forum: Personal Consumer Issues
Topic: Nutrition Bars
Replies: 41
Views: 5757

Re: Nutrition Bars

I second the Larabars. The ingredients are along the lines of "almonds, dates, pecans." They are kinda high in sugar, but at least the sugar is from dried fruit and not from corn, coy or sucralose. If you want to make your own (and it isnt' that hard) check out this: http://www.marksdaily...
by ursineogre
Wed Jul 24, 2013 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: What Are You Using for Your Emergency Funds?
Replies: 63
Views: 6448

Re: What Are You Using for Your Emergency Funds?

I realize this is a basic question, but what is the progression of the types of Treasury securities? The wiki shows bills, bonds and TIPS and Treasury Direct shows bills, notes, bonds, TIPS, E bonds, I bonds and H bonds. We used to use VNG money market then switched to ING, which is now Capital One....
by ursineogre
Wed Jul 24, 2013 11:17 am
Forum: Personal Consumer Issues
Topic: Nutrition Bars
Replies: 41
Views: 5757

Re: Nutrition Bars

I second the Larabars. The ingredients are along the lines of "almonds, dates, pecans." They are kinda high in sugar, but at least the sugar is from dried fruit and not from corn, coy or sucralose. If you want to make your own (and it isnt' that hard) check out this: http://www.marksdailya...
by ursineogre
Mon Jul 22, 2013 1:30 pm
Forum: Personal Consumer Issues
Topic: [Can you recommend]A spectacular movie, and a terrible movie
Replies: 161
Views: 16547

Re: [Can you recommend]A spectacular movie, and a terrible m

I've never seen Man on Wire, but am slightly interested now. I'll start with the Bad: Bad (worst one first) Catwoman (my friends and I almost walked out and couldn't stop laughing during the movie) Barton FInk and No Country for Old Men (nothing was resolved at the ending...life is like this and I w...
by ursineogre
Sat Jul 20, 2013 1:47 pm
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 20674

Re: Bogleheads Without Avatars

VictoriaF wrote:
ursineogre wrote:I've been inspired to conform. I am a frequent lurker and not very frequent poster, so here is my stamp on my identity.


Is that a genie in the bottle?

Victoria


No no, that is a 5 gallon batch of fermenting mead. I am a mead maker and cider maker.
by ursineogre
Wed Jul 17, 2013 1:06 pm
Forum: Personal Consumer Issues
Topic: Consumerism and Happiness
Replies: 83
Views: 9043

Re: Consumerism and Happiness

There is a certain level of happiness, or more accurately, satisfaction, in knowing that you don't have to stick with the bargain brands. If you truly enjoy vodka, and feel it is a must-have, then, yes, not having to buy Walgreen's own brand and being able to afford Absolut probably gives one a sen...
by ursineogre
Mon Jul 15, 2013 10:31 am
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 20674

Re: Bogleheads Without Avatars

I've been inspired to conform. I am a frequent lurker and not very frequent poster, so here is my stamp on my identity.
by ursineogre
Sun Oct 07, 2012 11:08 am
Forum: Personal Consumer Issues
Topic: Anyone using Quicken 2013?
Replies: 77
Views: 17840

Re: Anyone using Quicken 2013?

I am still using Quicken 2007 and have been too cheap to buy a new version. Maybe now is a good time to upgrade!
by ursineogre
Fri Aug 10, 2012 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Order of Investing to Follow
Replies: 16
Views: 1776

Re: Order of Investing to Follow

What method do you use to calculate your federal and state tax bracket? Do you simply use these tables: http://en.wikipedia.org/wiki/Rate_sched ... income_tax)#Format

If so then I'm in the federal 15% bracket. Should I continue to contribute to my Roth IRA first? I have the TSP available and am currently not contributing.