Search found 67 matches

by n00b
Fri Sep 14, 2018 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: What can you homegrown financial management spreadsheet do?
Replies: 21
Views: 1304

Re: What can you homegrown financial management spreadsheet do?

The rest of the workbook imports from Quicken ... Can you expand on how you import from Quicken? I get the raw data for my spreadsheet by downloading a CSV file from Vanguard but there is one asset not in Vanguard, thus requiring manually data entry. The data is in Quicken so perhaps I can improve ...
by n00b
Fri Sep 14, 2018 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: What can you homegrown financial management spreadsheet do?
Replies: 21
Views: 1304

Re: What can you homegrown financial management spreadsheet do?

I built an Excel workbook that essentially models and graphs our projected inflation-adjusted net-worth and income for longer than we are expected to live. One of my favorite features is the Dashboard page with displays the graphs and allows modeling of inflation, wages, pension, retirement plan con...
by n00b
Sat Aug 04, 2018 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Car price ratio to NW
Replies: 68
Views: 2981

Re: Car price ratio to NW

Our fleet of cars is worth about 2.7% of our net-worth and 11.7% of our gross annual income. That feels like too much to me.
by n00b
Fri Aug 03, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: Is schwab TSM index fund serving 2 masters?
Replies: 29
Views: 3232

Re: Is schwab TSM index fund serving 2 masters?

Interesting. I'd like to be wrong! My statement was based on trying to change cost basis on an account and having a handy "change" button beside stocks/etfs and no change button beside mutual funds. I'll call Fidelity and see what they have to say. Try these instructions: https://www.fidelity.com/w...
by n00b
Fri Aug 03, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Is schwab TSM index fund serving 2 masters?
Replies: 29
Views: 3232

Re: Is schwab TSM index fund serving 2 masters?

Interesting. I'd like to be wrong!

My statement was based on trying to change cost basis on an account and having a handy "change" button beside stocks/etfs and no change button beside mutual funds. I'll call Fidelity and see what they have to say.
by n00b
Fri Aug 03, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Is schwab TSM index fund serving 2 masters?
Replies: 29
Views: 3232

Re: Is schwab TSM index fund serving 2 masters?

Is schwab TSM index fund serving 2 masters? who cares, it’s basically free There are more mutual fund expenses than just those shown by the expense ratio. Is fund-lending profit kept by the institution or distributed to the fund? Are transaction costs kept low? Are investors' tax considerations con...
by n00b
Tue Jul 31, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: Is schwab TSM index fund serving 2 masters?
Replies: 29
Views: 3232

Re: Is schwab TSM index fund serving 2 masters?

Hi, I have a schwab IRA and I put money into SWTSX. Schwab total market index fund, copycat of VTSAX. Is schwab index fund intrinsically bad because “a servant can’t serve 2 masters”? Schwab is a public ally traded company. Is SWTSX inferior to vanguard TSM fundamentally? IIRC Mr. Bogle argues as m...
by n00b
Sun Jul 29, 2018 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: 7-8% SWR/year for first 7 years of Retirement...am I good?
Replies: 22
Views: 2711

Re: 7-8% SWR/year for first 7 years of Retirement...am I good?

SS projections assume you work until full retirement age. Hopefully you have run your own calculations to account for that.
by n00b
Sat Jul 21, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Macs, Time Machine, and NAS?
Replies: 10
Views: 1095

Re: Macs, Time Machine, and NAS?

Do you use the NAS over wireless or through a wired connection? The NAS is connected to the network via Ethernet but the computers we are backing up connect only wirelessly. When I added the NAS I also upgraded our 54mb/s wireless access point to a Ubiquiti AC Pro which does MIMO 3x3 (however I thi...
by n00b
Fri Jul 20, 2018 9:53 am
Forum: Personal Consumer Issues
Topic: Macs, Time Machine, and NAS?
Replies: 10
Views: 1095

Re: Macs, Time Machine, and NAS?

I use a Synology NAS for Time Machine backups via AFP and it works as expected.
by n00b
Wed Jun 06, 2018 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: What is your Take Home Pay / Gross Pay ratio?
Replies: 89
Views: 8154

Re: What is your Take Home Pay / Gross Pay ratio?

46% - Maxing a 457b and family HSA.
by n00b
Fri May 18, 2018 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Golden Handcuffs
Replies: 53
Views: 9194

Re: Golden Handcuffs

I'm up reading this after my boss woke me with an irrelevant text message. Want to trade jobs?
by n00b
Thu May 03, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: How old is too old for a vehicle, even for a well running one ?
Replies: 83
Views: 5721

Re: How old is too old for a vehicle, even for a well running one ?

I might be more inclined to drive a newer car if people in parking lots were more careful with their doors and shopping carts. As it is, the average age in my fleet is 22-years.
by n00b
Tue May 01, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Device or app to find road gradient while biking?
Replies: 18
Views: 1400

Re: Device or app to find road gradient while biking?

Ha ha, I should have just quoted focusedonwhatmatters with a +1. Sorry about that.
by n00b
Tue May 01, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Device or app to find road gradient while biking?
Replies: 18
Views: 1400

Re: Device or app to find road gradient while biking?

Several GPS units display %grade in somewhat real time but I wouldn't call that super accurate for shorter climbs. I have an Etrex and an Edge which both have this capability. Strava can tell you the grade after the fact and if you're interested in such things is more fun.
by n00b
Fri Mar 30, 2018 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Schwab PCRA in 401k plan
Replies: 9
Views: 715

Re: Schwab PCRA in 401k plan

I use the Schwab PCRA option in my Nationwide 457b. It costs me $50 per year and I save thousands per year in fees by purchasing Schwab ETFs with low expense ratios. Likewise -- except that the lower expenses don't yet save me thousands. I also appreciate the ability to connect directly to Schwab w...
by n00b
Wed Mar 14, 2018 10:47 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend this month"
Replies: 4
Views: 1603

Re: "Find out if your fund is declaring a quarterly dividend this month"

I'm not sure if this is the definitive link for Schwab. I do know that several objects on the Schwab site are located in the wallst.com domain. These are both PDFs. Funds: http://ims.schwab.wallst.com/repository/?doc=SchwabDistSchedule ETFs: http://ims.schwab.wallst.com/repository/?doc=ETFsDistSched...
by n00b
Sun Feb 18, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Possible messy Roth recharacterization on the horizon
Replies: 7
Views: 584

Re: Possible messy Roth recharacterization on the horizon

Thank you, All, for your thoughts!

I like the idea of recharacterizing, if needed, after all the numbers are known.

It seems like the easiest way, going forward, would be to wait until the taxes are done before making the contributions but, who wants to wait? :)
by n00b
Sat Feb 17, 2018 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Possible messy Roth recharacterization on the horizon
Replies: 7
Views: 584

Possible messy Roth recharacterization on the horizon

Greetings, Bogleheads! It appears that a Roth recharacterization may be in my future. DW and I are dollar-cost-averaging max Roth contributions for 2018 into Vanguard Total Stock Market Admiral Shares in existing Roth accounts at Vanguard but we are getting pretty close to the 22% tax bracket and ma...
by n00b
Sat Feb 10, 2018 12:51 am
Forum: Investing - Help with Personal Investments
Topic: Strategy and progress checkup
Replies: 2
Views: 313

Re: Strategy and progress checkup

1) Have a car fund to pay cash for your next car. No problem there! 2) Be sure to look at your numbers three ways, as a couple and as if one of your survives the other. With the pensions and Social Security the numbers can change a lot if one of your dies. Thank you for mentioning this! This is whe...
by n00b
Fri Feb 09, 2018 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Strategy and progress checkup
Replies: 2
Views: 313

Strategy and progress checkup

Emergency funds: Yes Debt: 64k student loans at 3.375% Tax Filing Status: MFJ Tax Rate: 12% Federal, 3% State State of Residence: AZ Age: 45 Desired Asset allocation: 75% stocks / 25% bonds - adjusted for expected tax liability of deferred accounts. Desired International allocation: 20% of stocks - ...
by n00b
Fri Jan 19, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 4320

Re: How do you adjust side mirrors in a car?

I'm pretty disappointed to hear about all the people who expressed confidence about their ability to see a car without a blind-spot check given that motorcycles and bicycles are so much harder to see.
by n00b
Mon Jan 15, 2018 1:08 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 171
Views: 20327

Re: How does everyone keep track of your portfolio?

I track asset allocation in Excel with price/holdings data being supplied via External Data import from a Quicken report. I previously did the same with iBank and Open Office.
by n00b
Sun Dec 24, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Are Roth IRAs overrated?
Replies: 88
Views: 11261

Re: Are Roth IRAs overrated?

There is another aspect of Traditional IRA vs. Roth IRA that I haven't seen mentioned in this thread. Because annual contribution limits are the same for each but one is tax deferred while the other is taxed on the way in, maximum contributions effectively store slightly more wealth in a Roth than ...
by n00b
Sun Dec 24, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Are Roth IRAs overrated?
Replies: 88
Views: 11261

Re: Are Roth IRAs overrated?

There is another aspect of Traditional IRA vs. Roth IRA that I haven't seen mentioned in this thread. Because annual contribution limits are the same for each but one is tax deferred while the other is taxed on the way in, maximum contributions effectively store slightly more wealth in a Roth than T...
by n00b
Fri Dec 22, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: Investing in HSA for Retirement Purpose?
Replies: 24
Views: 3283

Re: Investing in HSA for Retirement Purpose?

Social Security Most benefits are also exempt from Social Security and Medicare tax. Exemption from Social Security tax is not necessarily a benefit; if you pay less in Social Security tax, you will have lower Social Security benefits. As a result, if the only tax savings from payroll deduction is ...
by n00b
Fri Dec 22, 2017 1:40 pm
Forum: Investing - Theory, News & General
Topic: Investing in HSA for Retirement Purpose?
Replies: 24
Views: 3283

Re: Investing in HSA for Retirement Purpose?

Thank you for bringing up the expected value of missed Social Security wages due to HSA exemption but I am having trouble squaring the recommendation with my calculations. If SS pays a percentage of the top-35 years then each dollar contributed needs to be divided by 35 to represent the value added ...
by n00b
Fri Dec 22, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: solar power generation
Replies: 9
Views: 1311

Re: solar power generation

Valuethinker wrote:
Fri Dec 22, 2017 9:23 am
Whereabouts do you live?
Good point! The White Mountains of AZ -- we have a pretty good solar resource though more weather than people tend to think where they hear "Arizona."
by n00b
Fri Dec 22, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: solar power generation
Replies: 9
Views: 1311

Re: solar power generation

I've been off the grid since 2009 and can confirm that it works! :) Our first set of L16 flooded lead-acid batteries lasted 6-years and everything else is original. I'm not sure equipment recommendations would be relevant as I gather that the offerings have changed substantially since our system was...
by n00b
Thu Dec 14, 2017 10:38 pm
Forum: Investing - Theory, News & General
Topic: Is Nationwide a good company?
Replies: 10
Views: 1758

Re: Is Nationwide a good company?

FWIW, my Nationwide 457b allows access to a Schwab Self Directed Brokerage Option aka Schwab Personal Choice Retirement Account for $50/year. Complexity is added by having to pass through the Nationwide account to Schwab but saves me about .4% due to better fund access and a Nationwide wrap fee. Als...
by n00b
Sat Nov 18, 2017 9:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 175
Views: 26363

Re: Vanguard 403b Changes

Gratefully, it looks like Mint has picked up our 403b accounts again. I still don't see it in the Quicken listing, can you tell if the Mint download is via Vanguard, Newport Group, or something else? Also, for other Mint users, Did you need to make any adjustments or did it just start working again...
by n00b
Tue Nov 14, 2017 10:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 175
Views: 26363

Re: Vanguard 403b Changes

Ever since the switch to Newport Group, Quicken refuses to update my account. Has anyone had success updating their Vanguard 403b Quicken account such that it automatically downloads transactions? Afraid we are in the same boat. I was able to get an account listing but the 403b doesn't seem to be i...
by n00b
Sun Oct 15, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 26
Views: 2124

Re: Opinions on bicycle disc brakes?

It's been a while since I put much time on a bike without disk brakes but I'll take a shot at this. Quality disk brakes provide a better and more consistent feel at the lever and as you noted are not impacted by out-of-true wheels. They do not, in my opinion stop better than quality rim brakes in dr...
by n00b
Fri Jul 14, 2017 8:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 175
Views: 26363

Re: Vanguard 403b Changes

My wife got the letter today. $60/year seems expensive for record keeping. I was hoping for an exemption if paperless or something but no such luck. It will be nice to have access to admiral shares but this account has some room before it will reach break-even on that. Yes, it feels somewhat like a ...
by n00b
Thu Jul 06, 2017 7:25 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 14808

Re: What do you splurge on?

I splurge on cycling but also commute by bike enough to subsidize my bike habit.

I splurge on camping gear and rarely stay in hotels.

I occasionally splurge on sushi but rarely eat out otherwise.
by n00b
Sun Apr 30, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Does Retirement Planning impact your job performance?
Replies: 68
Views: 8727

Re: Does Retirement Planning impact your job performance?

Being about ten-years out, maybe I'm not close enough to feel some of the things cited in this thread. For me, getting my financial house in order improved my work and my work opportunities. Having a better understanding of my employer's contribution to the retirement plan also helps me to feel more...
by n00b
Fri Apr 28, 2017 9:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard adviser - advice when not carrying a mortgage into retirement
Replies: 57
Views: 5803

Re: Vanguard adviser - advice when not carrying a mortgage into retirement

willthrill81 wrote:I doubt that many of us would be complaining about having too much money in retirement. :wink:
Maybe not -- but for us, at the edge of the 15% tax bracket, it may not be optimal to have lived unnecessarily frugally for the joy of paying higher taxes and/or leaving more behind.
by n00b
Fri Apr 28, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard adviser - advice when not carrying a mortgage into retirement
Replies: 57
Views: 5803

Re: Vanguard adviser - advice when not carrying a mortgage into retirement

I max out my 401k but still get these great emails from my 401k provider that I should contribute even more :) Ha! One of my accounts has a built in retirement calculator that I have used to double-check my independent work. The calculator says I am "Doing Well" with 2k/mo over projected expenses w...
by n00b
Sat Mar 25, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: Does your asset allocation derate tax-deferred holdings to account for future tax liability?
Replies: 163
Views: 11500

Does your asset allocation derate tax-deferred holdings to account for future tax liability?

Bogleheads, Does your asset allocation derate tax-deferred holdings to account for future tax liability? What are your arguments for or against doing so? I think I recently saw it written that of course nobody would do something like that because it's too complex, but I have it built in to my asset ...
by n00b
Fri Feb 17, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: 457, Roth, and plan through employer
Replies: 5
Views: 810

Re: 457, Roth, and plan through employer

13k/month or 13k/year?

Looking forward to the answer on the Governmental 457b if you get it, mostly as a matter of trivia.
by n00b
Wed Feb 15, 2017 8:07 pm
Forum: Investing - Theory, News & General
Topic: Net Worth Diversification Concern
Replies: 10
Views: 2331

Re: Net Worth Diversification Concern

Do you have other sources of income? Social Security, Pension? Taken in that context maybe you're not entirely tied up in Vanguard. I have accounts with multiple firms and take some comfort in that for what it's worth. I also keep multiple checking accounts in case one should become compromised or I...
by n00b
Sun Feb 12, 2017 4:30 pm
Forum: Personal Consumer Issues
Topic: Which luxury auto brand depreciates the most?
Replies: 38
Views: 5962

Re: Which luxury auto brand depreciates the most?

I'm not so sure about that manual transmission discount. I prefer manual transmissions and always felt that they command a premium over their automatic counterparts. Our difference in experience may be because I'm not afraid of a quality car with some miles on it so at that point the reliability of ...
by n00b
Fri Feb 10, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA and Car
Replies: 6
Views: 722

Re: Roth IRA and Car

IHMO, neither. You should fix your current car or buy another you can pay cash for.

What year/make/model is the car, how many miles, and what kind of problems are you having?
by n00b
Sun Feb 05, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice.. where do I go from here?
Replies: 12
Views: 1681

Re: Portfolio Advice.. where do I go from here?

PS. GwowthObsessed, if you're looking for something to obsess over, tax-efficiency should keep you busy for a while without the damage that obsessing on growth can bring.
by n00b
Sun Feb 05, 2017 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice.. where do I go from here?
Replies: 12
Views: 1681

Re: Portfolio Advice.. where do I go from here?

Please pardon me if I'm missing something but aren't Required Minimum Distributions meant to terminate a tax-sheltered account and quite effective at doing so baring any change in law. My strategy would be to execute a tax-efficient migration based on where on the RMD curve this account is, simplify...
by n00b
Sat Feb 04, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: 457 - help choosing between 2 good options?
Replies: 29
Views: 3481

Re: 457 - help choosing between 2 good options?

This is great news, indeed. Much like n00b, my automatic deductions go into a 3 fund portfolio built around funds offered by nationwide. I intend to periodically transfer to the Schwab three fund portfolio referenced above. A downside concerns the Schwab bond funds. My understanding is that they ha...
by n00b
Sat Feb 04, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: 457 - help choosing between 2 good options?
Replies: 29
Views: 3481

Re: 457 - help choosing between 2 good options?

Thanks for sharing the good news with me, Bodacious!
by n00b
Sat Feb 04, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: 457 - help choosing between 2 good options?
Replies: 29
Views: 3481

Re: 457 - help choosing between 2 good options?

US total stock index SWTSX ER 0.03% US Aggregate Bond SWAGX ER 0.04% (new index fund) International index SWISX ER 0.07% (note: this fund doesn't include emerging markets or international small cap stocks) Bodacious, That's interesting. For me: SWTSX Gross ER 0.11% SWISX Gross ER 0.23% I can't find...
by n00b
Fri Feb 03, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: 457 - help choosing between 2 good options?
Replies: 29
Views: 3481

Re: 457 - help choosing between 2 good options?

I'm also a Schwab Brokerage customer by way of a Nationwide 457b Self-Directed Brokerage Option in AZ. I am unable to direct incoming funds directly to the Schwab account though I can and do automatically invest incoming funds in the Nationwide offerings. I then transfer money to Schwab a few times ...