Bogleheads.org

AnesBH

I became a Boglehead in 2012 with ~$300k in pretax retirement but with ~$400k in debt. We just hit the $1.5 million mark in combined accounts, $600k additional net worth in home equity and are free from debt- all because I ran across you all, learned and listened. I turned 49 this year so we should ...

AnesBH

We live in Asheville, drive the BRP literally daily and spend lots of our time exploring WNC, the Smokey mountains, have visited Shenandoah, Cades cove, and most all of the destinations discussed here. The BRP would be a one stop shop while travelling for all of the “mountain” scenery you’re expecti...

AnesBH

Our 403b is thru Transamerica as well. To get past our lack of a quality bond fund I invest 40% of it in a Vanguard target retirement-income fund and the rest in Vanguard funds per our IPS. The target retirement fund holds the total bond, total international bond and a short term TIPS fund and its E...

AnesBH

We send $1500/week to a vanguard money market fund. Our dividends are sent here as well. Once we accrue $10000 in the fund I purchase whatever fund we need based on our asset allocation. It creates specific tax lots that should be easy to deal with when I retire or need to tax loss harvest. That mig...

AnesBH

I'm resigning 12/31 from my current position and was wondering what my 401k and profit sharing eligibility would be. Our business manager disperses our full 401k funds midyear the year after, i.e., our 2015 dispersment was given to us in 2016. The pension and profit sharing is handled similarly, wit...

AnesBH

The site definately has been a mess but I've still been able to transfer funds to TDA. I just fiddled around on the site and found where to get to that area. It convoluted but here's how you do it: Once logged on go to Accounts-> Account Summary-> View HSA Summary-> Manage investments-> Transfer Inv...

AnesBH

2345.67

AnesBH

I'm very much interested in this as well. We're diverting ~$8k/month to our mortgage and will be debt free later this year. The current mortgage payment amount will then go into our taxable account. We'll max out Ibonds every year, the other ~$80k will go to VBS. My thoughts are to send cash directl...

AnesBH

The last two January's we have stayed in VRBO's on Marathon Key. Marathon is centrally located, not very touristy, and has several good restaurants. We take our cross bikes and ride everywhere on Marathon but take the vehicle on day trips. Key West is only about an hour or so away. There's even a de...

AnesBH

Redbird coffee out of Bozeman, MT. Their espresso is my favorite by far- tastes like a snicker bar!

AnesBH

We have a 2010- we love it!

http://www.sportsmobileforum.com/viewto ... =15&t=5285

AnesBH

Mountain biking (doesn't have to be expensive but...) and espresso equipment (and other coffee brew methods). They're worth every penny to me though!

AnesBH

I just found out that Vanguard held out ~$350 in state taxes during our back door Roth conversions January 2013. I'm making the calls today to straighten it out....

Edit: turns out it was my error

AnesBH

Anesthesiologist- I love my job! Hours are great, coworkers/atmosphere fun and efficient, great pay (the opportunity for extra work is abundant in my area as well), 9 weeks vacation, our PP group maxes out our retirement plans/HSA, etc. You'll get no complaints from me! Hi. I'm curious. Do you have...

AnesBH

Anesthesiologist- I love my job! Hours are great, coworkers/atmosphere fun and efficient, great pay (the opportunity for extra work is abundant in my area as well), 9 weeks vacation, our PP group maxes out our retirement plans/HSA, etc. You'll get no complaints from me!

AnesBH

ace1400 wrote: In reference to one of the comments above, Princeton doesn't have a medical school.

My mistake- The ENT I was referring to earned his undergrad at Princeton, his MD at Duke University.

AnesBH

I reflect what others have written- choose the cheapest and don't look back. I work private practice with Caribbean trained MD's, several DO's, docs from Harvard, Princeton, state schools, etc, etc- no one cares about that only whether they're competent or not (which certainly doesn't depend on thei...

AnesBH

It's amazing how this board is so excited about 3% Penfed CD's but everyone says don't pay extra on a 3% mortgage that if you paid extra has around the same duration and return. I have a 10 year 3% mortgage with around 8 years left as well, taking standard deduction so I'm going to pay down earn 3%...

AnesBH

If I had to guess, we'd like to have $150K - 200K (in today's dollars) annually to do the things we want to do. Maybe this is high, but I want to retire wealthy. My guess is retiring at a younger age like this, we'd want to withdraw closer to 3% annually vs. 4%? So with that being said, how would I...

AnesBH

I'm interested in learning a little more about cash balance plans as well. Hopefully someone will chime in and address the CB question the OP presented. Anyone?

AnesBH

We pay with after tax money but our health related expenses are next to nothing at this point in our lives (fortunately). We keep the minimum in our HSA Bank acct to avoid the fees and the rest (~$22k) we have in (no fee) VBR at TD Ameritrade. The triple tax advantage with HSA's as of now is too app...

AnesBH

Our home gym...

AnesBH

Seecamp makes a finely built pocket .380- the Rolex of CCW imo but some will want a larger caliber. For them a Rohrbaugh 9mm might be a good choice. This PDF might help... https://docs.google.com/viewer?a=v&pid=explorer&chrome=true&srcid=0B22wLsyYEkTOMDU4MjJlNTktOTRlZi00NTJkLWE0MGMtZmEwNGFlMWE3ZDlm&...

AnesBH

It's all relative. If you have only $1,000 in your account, then yes, $250 is excessive. But you seem to be saying that (a) you do not pay $4400 a year, but your company does, (b) you pay in addition 0.50% of AUM to use PCRA (c) you pay commissions, too. So your average e.r. really is not 0.11% if ...

AnesBH

It's all relative. If you have only $1,000 in your account, then yes, $250 is excessive. But you seem to be saying that (a) you do not pay $4400 a year, but your company does, (b) you pay in addition 0.50% of AUM to use PCRA (c) you pay commissions, too. So your average e.r. really is not 0.11% if ...

AnesBH

I recently moved my retirement funds into a Schwab PCRA I learned was available to me through our retirement fund. I was under the impression I would save some administration fees in addition to the ER savings using ETF's since all my money is self directed now. This is not the case however. I notic...

AnesBH

My son asked me this question out of the blue when he was 10: "mom, how did you choose your career?" I immediately recognized this was one of those big life questions and thought quickly and carefully. After a few seconds pause, I answered...."well, son, there were 3 factors that went into my decis...

AnesBH

I believe most who are eligible on the board probably have one- mine is through HSA Bank. There's a good discussion on the wiki site.

AnesBH

It was foolish in hindsite but we love traveling and mountain biking so it's a perfect fit...

AnesBH

At 34 years of age, you have accumulated a significant amount of savings, specifically $394,500! Congratulations! Why on earth would you jeopardize your financial future to even consider medical school now? If you go the medical school (4 years) and spend $160000 for the privilege , you still have,...

AnesBH

I adjusted my suggestion in hopes that it helps. The cash remains where it is (my wife had the same response when I suggested a similar idea to her for our portfolio, so it didn't happen for us, either). You would make single, lump sum purchases of 3 International ETFS in the Schwab employer-sponso...

AnesBH

http://www.foxbusiness.com/personal-fin ... balancing/

I'm pretty green but I can't understand the logic at all...

AnesBH

Almost every brokerage has a no-transaction-fee list of mutual funds. That is probably what that refers to. However, it is my understanding that Vanguard is not on anybody's no-fee list (other than at Vanguard). TD Ameritrade has 32 ETFs from Vanguard commission-free. I saw that too when I moved my...

AnesBH

Do I need to keep track of each employer contribution separately (IE, 401k, Pension and Safe Harbor all in separete MM's) after the funds are transferred to my PRCA or does that matter? I was under the impression that all the funds are treated similarly. No idea, but I'll wager that if your employe...

AnesBH

Some thoughts to mull over: Desired Asset allocation: 60% stocks / 40% bonds Desired International allocation: 20% of stocks <--For simplicity, this is 23%, but only 15% of equity contributions would go here. Current total portfolio: Mid six-figures Taxable (14%) 14% Vanguard Total International St...

AnesBH

I am unable to move my retirement funds out of Schwab and I'd like to use the vanguard funds for simplicity. I think I can have access to the vanguard funds at schwab without transaction fees (I'll call Monday to find out). Sorry - I was scanning and missed the part about the PCRA. Nevertheless, th...

AnesBH

Do I need to keep track of each employer contribution separately (IE, 401k, Pension and Safe Harbor all in separete MM's) after the funds are transferred to my PRCA or does that matter? I was under the impression that all the funds are treated similarly. No idea, but I'll wager that if your employe...

AnesBH

I researched the Schwab funds and they look similar but either certain fees were higher or they werent rated as good, etc. If I can get the vanguard funds thru Schwab that's what I'm probably going to do. Question: if I can get the vanguard ETF's at $9/trade vs vanguard index funds at $50/trade but...

AnesBH

Question: if I can get the vanguard ETF's at $9/trade vs vanguard index funds at $50/trade but investor share ER's should I just go with the ETF's? Paying transaction fees pretty much flies in the face of low cost investing. You can get Vanguard mutual funds at Vanguard without any transaction fees...

AnesBH

I really have to think my questions through so I can get them all in with a single post... :oops: Anyway, I assume the 401k, Pension and Safe Harbor are technically separate accounts with separate amounts of contributions, but they all have access to Schwabs PRCA. If so, will you let us know roughl...

AnesBH

Cash as above plus collectables ~34% :confused I think Cash and collectibles should be in different piles. Also, collectibles may be a useful investment, but I think it goes beyond the scope of this forum. I don't even know how I'd begin to recommend allocation, contribution and rebalancing practic...

AnesBH

Debt: $275,000 in a 10 yr home mortgage at 3% (recent refi from 4.3% but rolled $115k of student loan debt in to be able to deduct that interest ). Some of it at least. It depends on how much your old mortgage was. Any secured debt you use to refinance home acquisition debt is treated as home acqui...

AnesBH

Your wife doesn't need to earn 5500 to contribute 5500 to an IRA. She can use your earnings. Assuming you file jointly. Thanks for reassurance on this- I got to thinking about that last night and re-read about this in the wiki and realized I still could max hers out because of mine. I'll correct my...

AnesBH

Welcome to forum, You don't want target fund in taxable http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_Fund_Placement Schwab has funds for index (3) fund portfolio " With Schwab, investors can construct a three-fund portfolio using: [footnotes 1] Schwab Total Stock Market Index (SWTSX) ...

AnesBH

Hello all! Firstly a sincere thanks. I've been lurking for a while...(blah, blah, so on and so forth) and have learned so very much from all of you and I really appreciate it. A little background- I finished school and training in 2006 and up until now all I've been doing is reducing debt but I am b...

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