Search found 14 matches

by curi0usAndCuri0user
Tue Sep 26, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14188

Re: Bay Area Real Estate

In terms of net worth, do you think your friends would have been ahead had they bought that $400k house in Campbell, vs investing in a total stock market index along the way and renting?
by curi0usAndCuri0user
Mon Sep 25, 2017 11:54 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14188

Re: Bay Area Real Estate

I currently live and work in Cupertino, and pay $2500 / month in rent for a 1 bedroom / 1 bathroom. From what I can tell, most people are banking on appreciation to continue. Given interest rates are relatively low compared to historical averages, and YoY appreciation here being > 5%, I can see why ...
by curi0usAndCuri0user
Mon Sep 25, 2017 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area Real Estate
Replies: 154
Views: 14188

Bay Area Real Estate

Any recommendations on making it out here in this crazy market? I'm doing various buy vs. rent analyses and can't seem to make sense of buying (am I missing something obvious?) I understand salaries tend to be higher here, but how does a family come out ahead when similar homes in other areas of the...
by curi0usAndCuri0user
Sun Dec 21, 2014 11:16 pm
Forum: Investing - Theory, News & General
Topic: Do Companies Index Their Profits?
Replies: 15
Views: 1571

Do Companies Index Their Profits?

Do companies index their profits? You hear about companies like Apple hoarding loads of cash. Why don't they set up something like a 3-fund portfolio (e.g. total stock market index, bonds, etc.)? Do they believe they can invest that cash internally and generate a greater return with new products tha...
by curi0usAndCuri0user
Tue May 07, 2013 8:05 am
Forum: Investing - Theory, News & General
Topic: Counting the Individual in Asset Allocation
Replies: 5
Views: 437

Counting the Individual in Asset Allocation

There's a lot of talk about asset allocation on here and about what bond funds, total market funds, REITS, etc. to invest in. How about we add another asset in there... namely the individual that's doing all of this asset allocation. I want to start a hypothetical thread in which we explore the rati...
by curi0usAndCuri0user
Sun Feb 17, 2013 1:43 am
Forum: Investing - Help with Personal Investments
Topic: Roth to Non-Deductible IRA to Backdoor Roth
Replies: 4
Views: 356

Re: Roth to Non-Deductible IRA to Backdoor Roth

Also, as I've never "converted" a non-deductible traditional IRA to a Roth (for step 2), is there some special process involved? I'll be doing all of this on Vanguard's end. When you file your taxes next year you will need to fill out Form 8606 (Part I for the non-deductible contribution ...
by curi0usAndCuri0user
Sun Feb 17, 2013 12:51 am
Forum: Investing - Help with Personal Investments
Topic: Roth to Non-Deductible IRA to Backdoor Roth
Replies: 4
Views: 356

Re: Roth to Non-Deductible IRA to Backdoor Roth

Link to information you are looking for m Thank you for this! So if I understand correctly, this should be my action plan: 1) Call up Vanguard and have my Roth IRA contribution for 2013 "recharacterized" to a non-deductible traditional IRA. Even with gains--there is no tax implication at ...
by curi0usAndCuri0user
Sun Feb 17, 2013 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Roth to Non-Deductible IRA to Backdoor Roth
Replies: 4
Views: 356

Roth to Non-Deductible IRA to Backdoor Roth

I'm expecting to be over the income limit for a full $5500 Roth IRA deposit this year. Had I expected this in January and had I read up on the "Backdoor Roth" earlier, I would have followed that method then itself. Now I'm a bit confused as to what to do going forward. I'm with Vanguard an...
by curi0usAndCuri0user
Thu Aug 16, 2012 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: 401k vs Taxable Account Implications
Replies: 6
Views: 846

Re: 401k vs Taxable Account Implications

What you said makes sense. I also thought about it for a bit and decided to come up with a simplified equation showing why maxing a 401k is mathematically always better than putting post-tax money into a taxable account. Assumptions: x = expected growth rate (e.g. 1.08) y = federal and state income ...
by curi0usAndCuri0user
Thu Aug 16, 2012 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: 401k vs Taxable Account Implications
Replies: 6
Views: 846

401k vs Taxable Account Implications

Hi, I live in California and for earnings between $46,766.00 and $1,000,000, the tax rate is 9.30% plus $2,059.00. I'm currently in the 28% federal tax bracket. I contribute 6% (up to my employer match) to my 401k in addition to my Roth IRA and taxable accounts. I'm looking at 2 scenarios: Scenario ...
by curi0usAndCuri0user
Wed Aug 15, 2012 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Introduction and Questions
Replies: 11
Views: 2203

Re: Introduction and Questions

1) To bottlecap: I know what you mean... and you're probably right--I usually try to read as much as I can in a short amount of time so it probably amounts to a cursory review in the end. Having said that, I will go read all of the books you mentioned. Thanks for the list. 2) Jerilynn: I favor 100% ...
by curi0usAndCuri0user
Wed Aug 15, 2012 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Introduction and Questions
Replies: 11
Views: 2203

Re: Introduction and Questions

Thank you for the responses all. 1) To xerty24: Would 10% in long term treasuries be better than 10% in a U.S. Bond Index Fund? If so, why? Also, I agree about the traditional IRA however I am unfortunately over the income limit and had to convert a while ago to Roth. Yes the house is indefinite--I ...
by curi0usAndCuri0user
Tue Aug 14, 2012 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Introduction and Questions
Replies: 11
Views: 2203

Re: Introduction and Questions

Sorry that was a typo, now fixed to FSTMX.
by curi0usAndCuri0user
Tue Aug 14, 2012 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Introduction and Questions
Replies: 11
Views: 2203

Introduction and Questions

Hi everyone, Please excuse my long post. I've just joined this site after skimming the Bogleheads' Guide to Investing and reading through the Wiki extensively. My investing/trading history thus far has always been to dabble in a few stocks with a set amount of money and invest everything else into S...