Search found 234 matches

by b42
Fri Jun 22, 2018 7:49 am
Forum: Investing - Help with Personal Investments
Topic: Starting fresh with Vanguard accounts
Replies: 4
Views: 513

Re: Starting fresh with Vanguard accounts

Check out this wiki link: https://www.bogleheads.org/wiki/Tax-efficient_fund_placement If you think of your different accounts as one giant portfolio, then you can overweight funds in certain accounts to be more tax efficient, while keeping your overall asset allocation in line. So if you split into...
by b42
Thu Jun 21, 2018 7:42 am
Forum: Investing - Help with Personal Investments
Topic: what to do with my heavy cash position
Replies: 8
Views: 555

Re: what to do with my heavy cash position

CDs or Vanguard's money market fund would be a good place to stash funds needed in a few years.

Have you considered opening a 529 account (assuming that you would be planning for kids or currently have them)?
by b42
Thu Jun 14, 2018 7:25 am
Forum: Investing - Theory, News & General
Topic: New JUST ETF - thoughts?
Replies: 12
Views: 650

Re: New JUST ETF - thoughts?

From the article: If you’re currently invested in S&P 500 index funds, you should certainly consider moving all or some of that money into the Just 500 instead. It might be a little bit less liquid, especially in its early days, and, yes, you might miss out on substantial stock gains from the exclud...
by b42
Fri Jun 08, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Solo 401k, other portfolio tweaks
Replies: 8
Views: 503

Re: Solo 401k, other portfolio tweaks

Welcome to the forums! Some comments: 1. For your level of expenses, you may want to boost your emergency funds significantly, since you could extinguish $20k relatively quickly in the event of a crisis. 2. I'd take some time to create an Investment Policy Statement: https://www.bogleheads.org/wiki/...
by b42
Fri May 25, 2018 8:53 am
Forum: Investing - Help with Personal Investments
Topic: low fee index fund suggestions
Replies: 15
Views: 1135

Re: low fee index fund suggestions

Welcome to the forums! Index funds aim to replicate an entire market, or sector of the market and usually have low fees. Due to their setup, it's hard for them to "beat the market substantially" since they are the entire market. Without knowing your full financial picture, there are many S&P 500 ind...
by b42
Thu May 10, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Vanguard Account Total Bond Market vs Municipal Bonds for 24% tax bracket
Replies: 10
Views: 877

Re: Taxable Vanguard Account Total Bond Market vs Municipal Bonds for 24% tax bracket

Another option is to move your bond fund holdings into a tax-advantaged account if possible, and then move another more tax efficient fund, like the Vanguard Total US Stock Index, into the taxable space.
by b42
Wed May 09, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Investing Options
Replies: 20
Views: 1595

Re: Investing Options

Paying down the HELOC would be a good idea, especially if the interest rate is 5% since you lock in a 5% rate of return. I see from a few posts that you are especially interested in "passive income streams", but I think you may be thinking about this the wrong way. Most on these forums are focused o...
by b42
Tue May 08, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: annualcreditreport
Replies: 13
Views: 1166

Re: annualcreditreport

You get 1 annual check for free from each of the three credit reporting companies.

What I do to keep an eye on my credit throughout the year is to use up one free check every 4 months.
by b42
Thu May 03, 2018 8:28 am
Forum: Investing - Help with Personal Investments
Topic: 401K Fund Assistance
Replies: 5
Views: 266

Re: 401K Fund Assistance

It seems most of your available choices aren't that great, but you do have access to the Schawb S&P 500 Index (SWPPX). If you think about all of your account holdings as one portfolio, you can go 100% S&P 500 in DW's 401k, and then balance it out with your other accounts where there may be much bett...
by b42
Fri Apr 20, 2018 11:32 am
Forum: Personal Consumer Issues
Topic: Do you buy new or used cars?
Replies: 113
Views: 7855

Re: Do you buy new or used cars?

My previous car was a 2004 Volvo S40, driven from 2006-2017 until yet another repair at 186,000 miles was enough for me to finally move on. I'm currently leasing a 2017 Honda Civic Ex with Sensing for 36 months ($0 down, $270 a month). I drive around 10k miles a year. I wanted some of the new safety...
by b42
Wed Apr 18, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: what to do with a windfall$$$
Replies: 7
Views: 1185

Re: what to do with a windfall$$$

Welcome to the forums! The first thing I would do is look at the wiki article here: https://www.bogleheads.org/wiki/Managing_a_windfall The quick summary of the article is to put the money in a safe location (savings account, money market account, short term CD, etc.), and then take your time to for...
by b42
Tue Apr 17, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Retire early. Do you think it is possible?
Replies: 33
Views: 3373

Re: Retire early. Do you think it is possible?

You mention that vacations will be the most expensive expenditure, but it will most likely be healthcare costs that need planning. I would check to see if there are currently jobs that interest you that offer health insurance coverage to part-time employees to make sure it's possible. Even if they o...
by b42
Mon Apr 16, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Gifting Shares to Son to fund ROTH
Replies: 6
Views: 600

Re: Gifting Shares to Son to fund ROTH

My parents did something similar for me. When I was young they took birthday and gift money and invested it for me in a mutual fund, and when I was old enough they gifted it to me (was well under the yearly gift tax limit). I converted the fund to an index fund, which did trigger a taxable event, bu...
by b42
Thu Apr 12, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Trying to help my father
Replies: 8
Views: 1117

Re: Trying to help my father

Welcome to the forums! If you can, please edit your original post with a format like the post below: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 That will give the members of the forum much more information to go off of, since it is tough to give recommendations without a fuller picture.
by b42
Thu Apr 12, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Pay out principal or keep cash for next purchase
Replies: 7
Views: 822

Re: Pay out principal or keep cash for next purchase

If you plan on moving soon, it's probably better to keep the cash. If you were staying in your home long-term, I'd pay off some of the principal of the mortgage. Due to the limited time you have to invest, some CDs (ones which allow you to cash in early at a 3 month interest penalty) would provide a...
by b42
Tue Apr 10, 2018 8:27 am
Forum: Personal Finance (Not Investing)
Topic: Newbie Looking to Get Started
Replies: 15
Views: 1317

Re: Newbie Looking to Get Started

Welcome to the forums! In reference to the ratios, could you link to the exact page you see them? I'm having trouble locating them. But in general they are rules of thumb which vary widely depending on your financial situation and where you live. I think in this case you may be missing out on the bi...
by b42
Fri Apr 06, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Entire $24,000 SEP IRA in Vanguard Health Care Fund
Replies: 34
Views: 2522

Re: Entire $24,000 SEP IRA in Vanguard Health Care Fund

I think you may be placing too much weight on healthcare "isn't going anywhere soon" or "people will forever need healthcare". I'm sure there was a guy in 1900 who bought a thousand horses thinking "people will forever need horses for transportation, they won't ever be replaced..." I think you seem ...
by b42
Tue Apr 03, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Everything :)
Replies: 7
Views: 1197

Re: Help with Everything :)

Welcome to the forums! I have comments to some of your questions below: You can start with an initial asset allocation and then adjust as you want (or when you get a better understanding of your risk tolerance). Something like 70% stocks/30% bonds is a good starting point, with 20% of the stocks bei...
by b42
Tue Apr 03, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Index Admiral Shares or ETF's??
Replies: 20
Views: 1171

Re: Index Admiral Shares or ETF's??

I prefer mutual funds since I can buy fractional shares, which makes exact dollar purchases possible (such as buying $3k of any index).
by b42
Wed Mar 28, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please
Replies: 11
Views: 1193

Re: Portfolio Help Please

Taxable $6.1k Vanguard REIT ETF (0.12%) REITs in a taxable account aren't a very good idea from a tax efficiency standpoint. I suggest Total Stock Market in taxable. See Tax-efficient fund placement in the wiki. You are right, I was trying to get the overall percentages in line with the AA and miss...
by b42
Wed Mar 28, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help Please
Replies: 11
Views: 1193

Re: Portfolio Help Please

Welcome to the forums! The good news is that most of the funds you are currently in are decent, I don't see any outlier 1+% expense ratio funds. Take a look at the asset allocation wiki page here: https://www.bogleheads.org/wiki/Asset_allocation If you think of all the accounts as one portfolio, you...
by b42
Wed Mar 28, 2018 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Target or multi fund?
Replies: 15
Views: 794

Re: Target or multi fund?

I think that it can still make sense to keep the assets in the Vanguard Target 2025 Fund, since if you end up selling a good amount of a certain asset class, it may force you to rebalance (if you have rebalancing language in an IPS). Selling shares of the target date fund would eliminate this.
by b42
Wed Mar 28, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Max-funding an Index Universal Life policy to the IRS limit??
Replies: 108
Views: 6134

Re: Max-funding an Index Universal Life policy to the IRS limit??

ElmoHongZito, Welcome to the forums! It seems that there is a lot of back and forth arguing the merits of the IUL policy. The overall sentiment on these forums is that these products almost always tend to be a poor combination of investments and insurance. The usual advice (depending on circumstance...
by b42
Wed Mar 21, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Rent vs Buy Dilemma
Replies: 8
Views: 776

Re: Rent vs Buy Dilemma

One thing I would do is check and see if there are any special first-time home buyer programs in Texas, or even in your County or Town. Sometimes these can change the math when comparing the two. In my case (Pennsylvania), I found a program that I qualified for via income and home price that got me ...
by b42
Thu Feb 15, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie: retirement vs. college savings vs. life insurance
Replies: 33
Views: 1476

Re: Newbie: retirement vs. college savings vs. life insurance

3. For now I'd keep your 401k balance in the target retirement fund. Once the account value gets bigger, you can decide to split up the fund if you prefer. Awesome. Any general idea of how large the value should be before I split it up> 7. Can you provide more information on the whole life policies...
by b42
Thu Feb 15, 2018 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Newbie: retirement vs. college savings vs. life insurance
Replies: 33
Views: 1476

Re: Newbie: retirement vs. college savings vs. life insurance

Welcome to the forums! Some questions/observations: 1. How large is the mortgage? Are payments currently taking up a large percentage of your income? 2. Have you considered the Three-fund portfolio? https://www.bogleheads.org/wiki/Three-fund_portfolio It's not the perfect investment, but it is a sol...
by b42
Wed Feb 14, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Buying Iphone X with AT&T
Replies: 16
Views: 1005

Re: Buying Iphone X with AT&T

I bought my iPhone X outright on release since I'm still on my family's plan (much cheaper this way, and I pay extra so it's mutually beneficial) and prevented the bill from going up. Usually the carriers allow you to break it down into monthly payments, most times at no interest. I just wanted to p...
by b42
Thu Jan 25, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Car buy/lease question
Replies: 8
Views: 842

Re: Car buy/lease question

This is definitely a "it depends" question. Leasing is usually more expensive, but if you do your homework and wait for a deal, it can be comparative or even cheaper than buying outright. I'd check the site leasehackr.com for some excellent advice on how to manually calculate lease payments, along w...
by b42
Wed Jan 24, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Buying This Week: IPhone X or IPhone 8 Plus
Replies: 35
Views: 3390

Re: Buying This Week: IPhone X or IPhone 8 Plus

I upgraded from an iPhone 5 to an iPhone X on release. Got the upgraded storage model and bought it outright, and it's been great. Screen is excellent, it's an order of magnitude faster than the 5, and is basically better in every way. For me the X is totally worth it, although the 8 Plus would have...
by b42
Wed Jan 10, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: PRU GIA
Replies: 2
Views: 232

Re: PRU GIA

Do you have some more information about the guaranteed interest account?

Your current option of Total Bond Market Index Fund Institutional Plus Shares (VBMPX) (Expense ratio of 0.03%) is a good choice, and I'd stick with it.
by b42
Mon Jan 08, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 8327

Re: Are Password Managers Really Necessary?

Password Managers are great for storing and managing tons of usernames and passwords (I have over 40 accounts spread across all types of websites (forums, banking, bills, etc.). It's also better to not re-use the same password across all sites, since if someone gains access to one account, they coul...
by b42
Wed Jan 03, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 153
Views: 14390

Re: 2018 Hedge Fund contest

Penny Stock

Short - JCP
by b42
Thu Dec 14, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 64
Views: 9308

Re: Ameriprise :(

^^ Agree with the above, I'd do one transfer at a time, just in case there are any difficulties. I'd try to sit down and list (not here necessarily) every single account you have, and gather as much information on each one. I'd also start working on an Investment Policy Statement: https://www.bogleh...
by b42
Wed Dec 13, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Help trying to simplify asset allocation to fit 3 fund portfolio
Replies: 12
Views: 1537

Re: Help trying to simplify asset allocation to fit 3 fund portfolio

In reference to your responses above (I didn't want to requote the huge block of text) Since you have a more complex than usual tax situation, I'd do some research on tax-efficient placement. The Bogleheads wiki has an excellent starting point: https://www.bogleheads.org/wiki/Tax-efficient_fund_plac...
by b42
Tue Dec 12, 2017 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Help trying to simplify asset allocation to fit 3 fund portfolio
Replies: 12
Views: 1537

Re: Help trying to simplify asset allocation to fit 3 fund portfolio

If you can, please add on the fund names to the ticker symbols, since most of us don't have these memorized. You will get more responses that way. If you think of the entire portfolio as one big investment account, you can overweight certain funds in different accounts, as long as the total asset al...
by b42
Mon Dec 11, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Paying off a mortgage with an almost non-existent rate
Replies: 15
Views: 1598

Re: Paying off a mortgage with an almost non-existent rate

With an interest rate of 0.125%, it doesn't make much sense to pay off the mortgage any faster than you have to. You may be in a situation where the best thing to do would be to start investing in your taxable accounts after the retirement accounts are maxed out. EDIT: Just as an example, 0.125% of ...
by b42
Tue Nov 21, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 61
Views: 5993

Re: Car shopping tomorrow

i assumed the 290 included all of that ... they said flat out no money down and this would be the monthly payment with "everything" included. i had no intention of buying or entering any agreement and i didn't - this is just what they offered during the "negotiation" - I got them down from 375 to 2...
by b42
Tue Nov 21, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Certified Financial Planner (CFP) fees
Replies: 18
Views: 2098

Re: Certified Financial Planner (CFP) fees

1) set up 3 fund 2) just stand there 3) pay $400 a year for ERs 4) review in 5 years What are ERs? I think he means roughly $400 a year in costs from the expense ratios on the index mutual funds. OP, I'd take a look at this post concerning asking portfolio questions: https://www.bogleheads.org/foru...
by b42
Mon Nov 20, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 61
Views: 5993

Re: Car shopping tomorrow

Leasehackr usually recommends $0 down because there's no "need" to get the monthly payments lower on essentially a rental, and plus there's the issue of losing out on the down payment in the event of a loss. As an extreme example, if you put down $10k on a lease, then go out and total the car that d...
by b42
Fri Nov 17, 2017 10:47 am
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 61
Views: 5993

Re: Car shopping tomorrow

Sensing was the 1 “luxury” I was considering ... do you find it helpful? Keep in mind the Sensing package is basically Lane Departure Warning, Lane Keep Assist, Adaptive Cruise Control and Forward Collision Warning. BUT it does not include Blind Spot Monitoring or Rear Cross Traffic Warning. Those ...
by b42
Fri Nov 17, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: Car shopping tomorrow
Replies: 61
Views: 5993

Re: Car shopping tomorrow

^^ Leasehackr is a great forum for leasing. I used it to lease a 2017 Civic EX with Sensing ($270/month, $0 down. A bit on the "higher" side if you look at comparative leases, but I wanted the Sensing package and it added $1k to the price and the residual took a hit.), and it's been great. No proble...
by b42
Mon Nov 13, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: New Job. Confused about 401K choices..Please help
Replies: 11
Views: 708

Re: New Job. Confused about 401K choices..Please help

Some initial questions: 1. Is your husband rolling over a previous 401k? 2. Do you currently have other retirement assets? It would be helpful to list them, as you may end up over-weighting one fund in the 401k, and balancing it out with another tax-advantaged account. 3. What is your current/desire...
by b42
Mon Nov 13, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1908

Re: Anyone Tried Soylent?

I've tried both Soylent pre-made and powdered, original flavor. Both are good, I don't mind the taste. It's plain, but it's designed to be that way, and you need to try it to see if it's something you'd want to have again. I can see how many would be put off by the taste. I now use the powder becaus...
by b42
Wed Nov 01, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Put cash into a home or stock market.
Replies: 30
Views: 4051

Re: Put cash into a home or stock market.

Since the car payment is only $3.5k I would pay that off first. I would determine the minimum amount to put down on the house to avoid Private Mortgage Insurance (PMI). When you buy, even if you only put down 20% of the $135k house price, you will already have the additional equity of the true value...
by b42
Tue Oct 31, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: New Car: Ever make sense to lease?
Replies: 140
Views: 13850

Re: New Car: Ever make sense to lease?

You mentioned a Civic, well I leased a Civic this year in the Northeast! I would say first that leasing is more complex than buying, and you need good credit to make it financially worthwhile. You will also need to do your homework, and most likely need to stick with lower trim models in order to ge...
by b42
Fri Oct 20, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Turning 65, and choosing not to take Medicare Part B
Replies: 41
Views: 4784

Re: Turning 65, and choosing not to take Medicare Part B

I agree with the above. I would check with the administrator of your current retiree plan and see what steps may need to be taken upon reaching age 65, since they may require Medicare to be the primary insurer.
by b42
Wed Oct 18, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 37
Views: 3378

Re: Best smartphone

Best phone I ever owned, an iPhone 5. Currently too slow and freezes all the time. I'm upgrading to an iPhone X once pre-orders are allowed.
by b42
Wed Oct 18, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: PC diehard gamers - sell me on 1080p, 2k, or 4k!
Replies: 30
Views: 1873

Re: PC diehard gamers - sell me on 1080p, 2k, or 4k!

Were you planning on building the PC yourself? If so, you could go with a 1060 for now and see if you get more into PC gaming, and then upgrade just the video card when the next-gen cards come out in 2018, since the rest of the system will be fine for 2k/4k gaming.
by b42
Tue Sep 26, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help with investment choices
Replies: 4
Views: 561

Re: Help with investment choices

Welcome to the forums! Since there is a lot in the original post, I have just a few comments below concerning the asset allocation: You mention your income exceeds Roth IRA contributions. Have you considered a Backdoor Roth IRA? (Note this may affect your normal IRAs the first time you do this): htt...
by b42
Mon Sep 25, 2017 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Novice doing some tax planning for 2018
Replies: 21
Views: 2215

Re: Novice doing some tax planning for 2018

I would search online for a tax calculator where you can estimate your deduction if you itemize, which in your case with property taxes and mortgage interest will most likely be higher than the standard deduction. That will affect all your following calculations. Also, you should go through your 201...