Search found 306 matches

by b42
Tue Mar 12, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 10483

Re: Best Car Values

My 2017 Civic has automatic emergency braking as part of the Sensing Package. It makes a huge difference to me. Nobody can pay attention to the road 100% of the time. But even if I was, the system seems to be "thinking" about a second faster than I am. So it will start flashing (and beeping if neces...
by b42
Mon Mar 04, 2019 12:55 pm
Forum: Personal Investments
Topic: New to taxable accounts
Replies: 8
Views: 666

Re: New to tax advantaged account

I would update your post with the following format so you get more responses: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 You should think of all your investment accounts as one portfolio. Are the funds exclusively for investing or do you plan on needing a potion of the 200k in the nea...
by b42
Wed Feb 27, 2019 1:55 pm
Forum: Personal Investments
Topic: Taxes, Vanguard, & Current Situation
Replies: 3
Views: 337

Re: Taxes, Vanguard, & Current Situation

Welcome to the forums! I would first check out the sticky at the top of this forum. If you edit your initial post to a more standard format, you will get more answers: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 I would put off real estate investing (as you have), until you have your e...
by b42
Tue Feb 26, 2019 8:33 pm
Forum: Personal Investments
Topic: HSA for Investing
Replies: 4
Views: 425

Re: HSA for Investing

I would first check your health insurance plan and make sure you are eligible to open an HSA.
by b42
Mon Feb 18, 2019 2:17 pm
Forum: Personal Consumer Issues
Topic: Best PAID music streaming service?
Replies: 69
Views: 4122

Re: Best PAID music streaming service?

I've used Spotify Premium for years, it's great.
by b42
Tue Feb 12, 2019 8:23 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 200
Views: 10898

Re: 2019 Hedge Fund Contest

Is Tanelorn Capital's current -370.00% return a new record? :D
by b42
Mon Feb 04, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: What did you do for healthcare coverage if you retired before 65?
Replies: 10
Views: 511

Re: What did you do for healthcare coverage if you retired before 65?

If you want to start exploring healthcare premiums on the exchange, try putting in some dummy numbers here: https://www.healthcare.gov/ Based on a Villanova Zip (I know that may not be exactly where you live, but just a starting point), if two 55 year-olds applied for coverage, I see the cheapest pl...
by b42
Fri Feb 01, 2019 11:16 am
Forum: Personal Investments
Topic: Strategy for Selling Off Individual Stocks
Replies: 10
Views: 416

Re: Strategy for Selling Off Individual Stocks

Do you have an IPS? Does your current asset allocation match what your IPS states? Right now it would seem you are overweight in certain sectors of the stock market.

The simplest method would be to sell all the stocks at once and use them to rebalance your mutual funds.
by b42
Sun Jan 06, 2019 8:57 am
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 200
Views: 10898

Re: 2019 Hedge Fund Contest

Penny Stock Year 2

Short
JCP

(Worked well last year, why mess with a "good' thing? :D )
by b42
Mon Dec 31, 2018 10:59 am
Forum: Personal Investments
Topic: Roth IRA suggestion for 18 year old son
Replies: 9
Views: 411

Re: Roth IRA suggestion for 18 year old son

I started my Roth IRA the same way in 2009. I bought $3k worth of Vanguard's Total US Stock Index (and promptly doubled my investment in less than 2 years, see investing is easy! :D ). Over the following years I added Vanguard's Total International Stock Index and then the US Bond Index, and then on...
by b42
Fri Dec 07, 2018 10:52 am
Forum: Personal Investments
Topic: Helping my mom (60yr) - looking for stability
Replies: 13
Views: 1214

Re: Helping my mom (60yr) - looking for stability

Welcome to the forums! If you can provide information on what your mother is currently invested in, it will serve as a good starting point for posters to chime in with advice. Vanguard's target retirement funds may be a good idea (like the 2020), since the fund gets more conservative over time and i...
by b42
Wed Nov 28, 2018 7:56 pm
Forum: Personal Investments
Topic: How to rebalance?
Replies: 7
Views: 742

Re: How to rebalance?

Welcome to the forums! I rebalance with new contributions. If you have a few more years to go to retirement but want to boost your bond holdings, you could always put 100% of your contributions to bonds until you hit your desired asset allocation. Or if you have tax-advantaged accounts, you can sell...
by b42
Tue Nov 27, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 2925

Re: Dual Monitor Set up

I run two monitors, and I would start here for a good guide on monitors: https://thewirecutter.com/reviews/best-monitors/ You have a 21.5 inch monitor listed, which may end up being a bit small. If you can I'd go for a 24 inch monitor or larger. Also, with the cheapest monitors you have to be aware ...
by b42
Wed Nov 14, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Buying Property - 20 or 25% down?
Replies: 6
Views: 545

Re: Buying Property - 20 or 25% down?

I quickly typed the loan details into a mortgage calculator: 20% down would result in paying about $353k in interest over 30 years. 25% down would result in paying about $312k in interest over 30 years. So that's about an extra $1,366 in interest a year ($41k) you would pay, but you save $23k now on...
by b42
Tue Nov 13, 2018 9:08 am
Forum: Personal Investments
Topic: Retirement Portfolio Advice
Replies: 3
Views: 449

Re: Retirement Portfolio Advice

If you are just starting out in the Roth IRA, that's a lot of funds with not a ton of relative dollars to start (meaning if you max out at $5,500 this year, some of the lower allocation funds would have only $275). I'd recommend starting with one of Vanguard's Target Retirement Date funds until you ...
by b42
Thu Nov 08, 2018 2:03 pm
Forum: Personal Investments
Topic: New job, new 401k
Replies: 14
Views: 1545

Re: New job, new 401k

Welcome to the forums!

Depending on your other holdings, you could do 100% in the Vanguard Target Retirement 2050 Fund to start. That would get you a diversified portfolio.
by b42
Thu Nov 08, 2018 11:40 am
Forum: Personal Investments
Topic: Help - Expect to inherit relatively large sum
Replies: 12
Views: 2217

Re: Help - Expect to inherit relatively large sum

Welcome to the forums. The first thing I would do is take an hour to read through this wiki page before making any immediate desicions: https://www.bogleheads.org/wiki/Managing_a_windfall After that, if you format your first post similar to this post here you will get better responses: https://www.b...
by b42
Wed Nov 07, 2018 11:55 am
Forum: Personal Investments
Topic: Three Funds at Vanguard
Replies: 3
Views: 659

Re: Three Funds at Vanguard

For the Roth IRA, you could do a simple Target Retirement Date fund and let it grow until you have enough to break it into Admiral funds if you choose (like Total US Stock, Total Intl Stock, Total US Bond). As for the other cash, if you can end up getting into the 401k plan, you could start with a r...
by b42
Thu Nov 01, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4942

Re: Think I have found my new commuter car - 2019 Honda Insight

I'm currently leasing a 2017 Civic, so I'm interested to test-drive a 2020 Civic and Insight back-to-back to see the difference when my lease is up. To me the insight seems like the Civic hybrid that doesn't exist. Also, I haven't had any issues with the console, although I do tend to drive with a l...
by b42
Wed Oct 24, 2018 2:28 pm
Forum: Personal Consumer Issues
Topic: Excel Stumper
Replies: 4
Views: 789

Re: Excel Stumper

I would check the settings. It's possible automatic updating was turned off.
by b42
Wed Oct 24, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Car lease is up: buy it or get a new lease?
Replies: 46
Views: 4015

Re: Car lease is up: buy it or get a new lease?

I have a 2017 Civic EX w/ Sensing lease, and my thinking is similar. For about $10k, I can essentially rent a new car for 3 years with a warranty. I get two free oil changes, so my only expenses should be the yearly inspection and an extra one or two oil changes (currently drive about 10k miles a ye...
by b42
Thu Oct 18, 2018 11:01 am
Forum: Personal Investments
Topic: Portfolio Advice, 30 yr old couple
Replies: 21
Views: 1589

Re: Portfolio Advice, 30 yr old couple

I would prioritize paying off your student loans before starting a taxable account, since you can essentially lock in a 4.75%, 5.33%, and 7% return. And then I'd max out your tax-advantaged accounts (401k, IRA, etc.) before starting a taxable account. Have you considered rolling over your 401k to a ...
by b42
Thu Oct 11, 2018 7:04 am
Forum: Personal Investments
Topic: Newbie [How do I move everything to Vanguard in-kind?]
Replies: 6
Views: 513

Re: Newbie [How do I move everything to Vanguard in-kind?]

Welcome to the forums!

If you check out mhalley's link and reformat your first post, you will get more responses. If we have a better idea of your current situation and holdings, better recommendations can be given.
by b42
Thu Oct 04, 2018 8:09 am
Forum: Personal Investments
Topic: Is it wrong to have too many funds?
Replies: 9
Views: 691

Re: Is it wrong to have too many funds?

One of the detriments to having many funds is that there will likely be some overlap in holdings, which makes rebalancing more difficult.
by b42
Tue Oct 02, 2018 2:00 pm
Forum: Personal Investments
Topic: 30 yr old needing rebalance advice for current 401k
Replies: 19
Views: 1499

Re: 30 yr old needing rebalance advice

Welcome to the forums!

Can you list out all of the 401k options available to you? Are there additional Vanguard funds available?
by b42
Tue Oct 02, 2018 1:56 pm
Forum: Personal Investments
Topic: Investment Options for New Investor
Replies: 4
Views: 349

Re: Investment Options for New Investor

Welcome to the forums! Fidelity and Vanguard are good options to work with. I'd strongly advise against individual stock investing, unless it's part of your "fun money" and less than 5-10% of your entire portfolio. Stock mutual funds and ETFs are a better idea. I'd put about 6 month's worth of expec...
by b42
Wed Sep 26, 2018 10:12 am
Forum: Personal Investments
Topic: New, and trying to learn about 3 fund portfolio and more retirement issues
Replies: 35
Views: 2096

Re: New, and trying to learn about 3 fund portfolio and more retirement issues

Welcome to the forums! It's important to remember retirement savings isn't an all-or-nothing proposition. If you end up with $1.2M instead of $1.7M, you can adjust your spending to account for this. If you plan on retiring early, I'd make sure you have a plan for healthcare costs, since that could e...
by b42
Tue Sep 18, 2018 8:54 pm
Forum: Personal Investments
Topic: Help with limited 401k fund options
Replies: 7
Views: 507

Re: Help with limited 401k fund options

Doesn't look terrible. A quick internet search shows Wells Fargo/BlackRock S&P 500 Index CIT Class N shares with a .034ER. Thats not bad (really good, actually) These could be some solid choices you can work with if you can confirm the ERs as other posters have stated. I second the S&P 500 fund. De...
by b42
Fri Sep 14, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: Should I get a new iPhone?
Replies: 43
Views: 3869

Re: Should I get a new iPhone?

I upgraded from an iPhone 5 last year when the iPhone X came out.

Totally worth it, it's a much better and faster phone. The 5 was bordering on unusable for what I needed it to do.

You've skipped enough generations where the new phones should be much better than what you have now.
by b42
Thu Sep 06, 2018 12:03 pm
Forum: Personal Investments
Topic: Please review consolidated Portfolio and advice
Replies: 6
Views: 424

Re: Please review consolidated Portfolio and advice

1. Agree 2. Agree 3. I would do some more research on the backdoor Roth IRA: https://www.bogleheads.org/wiki/Backdoor_Roth_IRA . I'm not sure you can do what you are proposing, but I'll leave that to the other forum users who have done this before. 4. For the Roth IRA, Vanguards Total US Stock, Inte...
by b42
Mon Sep 03, 2018 6:22 pm
Forum: Personal Investments
Topic: Portfolio Review request
Replies: 4
Views: 518

Re: Portfolio Review request

I think you have a good portfolio size and $2 million in about 20 years should be attainable. Your current portfolio is a bit complicated. It would be difficult to decide when and where to rebalance. Here's an example to simplify (it's an extreme simplification, but it's a valid strategy): His 401k:...
by b42
Mon Sep 03, 2018 6:47 am
Forum: Personal Investments
Topic: Help w/3 Fund Selections from Employer
Replies: 16
Views: 1377

Re: Help w/3 Fund Selections from Employer

I've been crunching the numbers and it's quite hard to ascertain because I teach a lot of extra classes beyond my contract (and at other schools) so it's a weird calculation. I guess I'm operating a bit on the assumption that "it will be nice if I actually get my pension - but I can't count on anyt...
by b42
Sun Sep 02, 2018 8:46 pm
Forum: Personal Investments
Topic: Help w/3 Fund Selections from Employer
Replies: 16
Views: 1377

Re: Help w/3 Fund Selections from Employer

Welcome to the forums! Do you have a general projection of what you think you and your wife's future pensions will be worth at retirement? That will affect how much risk you need to take. Most of the funds on the Nationwide site aren't too great, but I do see some Vanguard funds like the 500 Index. ...
by b42
Sun Sep 02, 2018 8:38 pm
Forum: Personal Investments
Topic: Requesting Guidance/Advice for Rebalancing and De-Risking a 7-Figure Portfolio (TD Ameritrade)
Replies: 5
Views: 691

Re: Requesting Guidance/Advice for Rebalancing and De-Risking a 7-Figure Portfolio (TD Ameritrade)

Welcome to the forums! What are the current accounts you have and what are the holdings? If everything is tax-deffered you can make moves without tax issues. You may be better served with picking one bond fund right now before slicing and dicing into varying maturities. Vanguard's Total Bond Fund In...
by b42
Tue Aug 28, 2018 6:04 am
Forum: Personal Investments
Topic: cost basis research
Replies: 8
Views: 497

Re: cost basis research

I know it's not the exact question you asked (and not knowing the dollar value of the gifted stock), but if you tend to donate money to charity each year, you could see if they accept appreciated stock. That way you avoid paying the capital gains tax, don't have to figure out the cost basis, and can...
by b42
Sun Aug 26, 2018 7:41 am
Forum: Personal Investments
Topic: Reallocating my 403b - Advice welcome!
Replies: 16
Views: 879

Re: Reallocating my 403b - Advice welcome!

You mention that you have several retirement accounts. If you think of all these accounts as one single portfolio, you can split investments and put the best options for each account. I would create a quick spreadsheet of all your accounts and funds to see what the overall allocation percentages are...
by b42
Sun Aug 26, 2018 7:36 am
Forum: Personal Investments
Topic: Personal Retirement Fund Dilemma (No Employer Option)
Replies: 7
Views: 601

Re: Personal Retirement Fund Dilemma (No Employer Option)

Instead of cashing out your 401k, why not roll it over to a Traditional IRA to avoid the tax penalties? https://www.bogleheads.org/wiki/401(k)#Rollovers You can then hold a Traditional IRA and a Roth IRA, and then continue to fund the Traditional IRA. Or if you prefer you can do a backdoor Roth IRA:...
by b42
Thu Aug 23, 2018 6:45 pm
Forum: Personal Investments
Topic: Switching to the 3-Fund Portfolio - Vanguard or Fidelity Zero Funds?
Replies: 5
Views: 928

Re: Switching to the 3-Fund Portfolio - Vanguard or Fidelity Zero Funds?

^^ I agree. Both funds are at rock-bottom costs, but I would consider Vanguard due to their funds being around for a long time and having a consistent track record. If you search the forums there are some threads on this with good discussions. And the actual cost difference between them is relativel...
by b42
Thu Aug 23, 2018 6:33 pm
Forum: Personal Investments
Topic: Recently retired. Are we on the right track?
Replies: 7
Views: 1360

Re: Recently retired. Are we on the right track?

You mention that you are "nowhere knowledgeable enough or comfortable with managing our own funds". It could be the case your advisor is doing exactly what you are paying him for, but perhaps he/she has a different investing philosophy than the general consensus of this board. But, it's a good idea ...
by b42
Thu Aug 23, 2018 6:20 pm
Forum: Personal Investments
Topic: Invest or Pay off Student Loans
Replies: 40
Views: 2288

Re: Invest or Pay off Student Loans

A backdoor Roth IRA would require you to pay taxes on the contributions, which doesn't make financial sense when you have relatively-high interest debt.

Check this link for more in-depth information:
https://www.bogleheads.org/wiki/Backdoor_Roth_IRA
by b42
Thu Aug 23, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Good Non-Boring Boglehead Cars Under $30k
Replies: 247
Views: 17328

Re: Good Non-Boring Boglehead Cars Under $30k

Throwing in a vote for a new Honda Civic. I am leasing a 2017 Civic EX with Sensing, but I believe the sale price if I bought it would have been around 22k before taxes.
by b42
Thu Aug 23, 2018 11:20 am
Forum: Personal Investments
Topic: Recently retired. Are we on the right track?
Replies: 7
Views: 1360

Re: Recently retired. Are we on the right track?

Some questions/notes: Does the Fidelity Advisor currently only have control over the Roth IRAs (and the Traditional IRA which you mentioned will be rolled over at some point)? What is his/her fee or AUM (assets under management) charge? I count nine funds in your IRA, which seems excessive consideri...
by b42
Thu Aug 23, 2018 7:42 am
Forum: Personal Investments
Topic: Variable Annuity- Alternative Investments
Replies: 11
Views: 713

Re: Variable Annuity- Alternative Investments

Welcome to the forums! We will need more information in order to get a better picture of the situation. What is the retired relative currently invested in? What are all of the fund options available? Does your relative have other sources of retirement income? You mention your relative is aware of th...
by b42
Wed Aug 22, 2018 6:07 pm
Forum: Personal Investments
Topic: Invest or Pay off Student Loans
Replies: 40
Views: 2288

Re: Invest or Pay off Student Loans

Welcome to the forums! Your first goal should be to pay down some debt. I see about $180k in yearly income, but over $621,500 in debt, almost 3.5x you income. Pretending the average interest rate is 4% for everything, that's almost $25k a year in interest. I would keep your 401k contributions as-is ...
by b42
Sun Aug 19, 2018 2:15 pm
Forum: Personal Investments
Topic: Advice Request: Considering removing advisor from IRA
Replies: 19
Views: 2050

Re: Advice Request: Considering removing advisor from IRA

1. I would try to see how you can go about selling the bonds from your account. If you end up buying a total bond market fund, you won't need the individual holdings. The DUE date I assume is the maturity date when the bond holder is required to pay back the principal to you. If you choose to ride t...
by b42
Sat Aug 18, 2018 8:12 am
Forum: Personal Investments
Topic: Lending money to Goldman Sachs?
Replies: 6
Views: 1296

Re: Lending money to Goldman Sachs?

If the rate of return you receive is only 3% for a few years, there are some 3 year CDs approaching 3% that would be almost as much income without all of the hassles of a broker-offered callable security.
by b42
Sat Aug 18, 2018 8:09 am
Forum: Personal Investments
Topic: Request your help - new to self managed investments
Replies: 6
Views: 517

Re: Request your help - new to self managed investments

P&S, welcome to the forums! Do you have any records of your tax-loss harvesting from your advisor? I'm curious because it would only apply to taxable accounts. So if the majority of your portfolio is in tax-advantaged accounts, the actual benefit would be relatively small. If you can list the invest...
by b42
Sat Aug 18, 2018 7:59 am
Forum: Personal Investments
Topic: Advice Request: Considering removing advisor from IRA
Replies: 19
Views: 2050

Re: Advice Request: Considering removing advisor from IRA

The 3 fund portfolio you have listed above is excellent. The only "issue" I see is that emerging markets is not included in the international ETF (I don't see an international equity ETF at Schwab that covers all non-us companies), but their mutual fund Schwab International Index (SWISX) appears to....
by b42
Thu Aug 16, 2018 11:50 am
Forum: Personal Investments
Topic: Advice Request: Considering removing advisor from IRA
Replies: 19
Views: 2050

Re: Advice Request: Considering removing advisor from IRA

Welcome to the forums! You mention that the bulk of your retirement funds is in your IRA. Assuming $1 million of the $1.69 million is located there, that means you are paying $7,000 a year in advisor fees. Per year. If you want to keep an advisor due your unique retirement plans, you could always sw...