Search found 324 matches

by b42
Wed Aug 21, 2019 7:25 am
Forum: Personal Investments
Topic: Pension and Planning for retirement help
Replies: 9
Views: 1007

Re: Pension and Planning for retirement help

There is a good thread here on the three fund portfolio: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=88005 You have some great Vanguard funds in the posted lineup: Vanguard Institutional Index (.04) Vanguard Total Bond Market Index (.05) Vanguard Total International Stock Index Fund (.11) ...
by b42
Tue Aug 20, 2019 5:42 am
Forum: Personal Investments
Topic: Pension and Planning for retirement help
Replies: 9
Views: 1007

Re: Pension and Planning for retirement help

Welcome to the forums! There is a way that you can still contribute to a Roth IRA even if you are over the income limit: https://www.bogleheads.org/wiki/Backdoor_Roth Do you have more information on your 457 plan, such as expenses (if any) for having such an account, and the funds that are offered?
by b42
Tue Aug 13, 2019 3:22 pm
Forum: Personal Investments
Topic: Laid off - 59yo - advice please
Replies: 44
Views: 6871

Re: Laid off - 59yo - advice please

Welcome to the forums. For your taxable holdings, do you know what the cost basis is and potential capital gains/losses you would incur if you sold? If you end up with a very low income for this year, it may make sense to sell these first (such as the individual stock holdings) up to the point where...
by b42
Tue Aug 13, 2019 11:53 am
Forum: Personal Investments
Topic: Is there a "good" bond fund in my 401(k)?
Replies: 8
Views: 594

Re: Is there a "good" bond fund in my 401(k)?

You mentioned that you are running out of room to convert to more bonds. Do you mean from your Traditional IRA, or your Traditional IRA, Roth IRA, and HSA? You could check the Roth IRA and HSA to see if there is a bond fund that would work.
by b42
Fri Aug 09, 2019 11:34 am
Forum: Personal Consumer Issues
Topic: Cloud Backup solutions for 2019?
Replies: 21
Views: 1039

Re: Cloud Backup solutions for 2019?

I started using Backblaze earlier this year for three separate devices (Windows Desktop and two Apple MacBook Pros). The backups total about 500GB. So far the service has worked well and I haven't had any issues.
by b42
Thu Aug 01, 2019 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Home Refinance help
Replies: 4
Views: 435

Re: Home Refinance help

One strategy is refinancing to a 30 year fixed mortgage to secure the lower payment, and then if the budget allows make payments as if it was a 15 year loan. You'll pay slightly more in interest that way, but it does give you flexibility in the future if you have a liquidity crisis (such as an accid...
by b42
Tue Jul 30, 2019 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Help choose between High deductible HSA plan vs PPO -- 2nd child expected
Replies: 14
Views: 676

Re: Help choose between High deductible HSA plan vs PPO -- 2nd child expected

I read the original post wrong, I thought you listed monthly contributions, not semi-monthly. Assuming 24 semi-monthly payments, you immediately save $2,269 in premiums. The employer then gives you an additional $1,500 into your HSA that you wouldn't get with the PPO. This more than makes up for the...
by b42
Mon Jul 29, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Help choose between High deductible HSA plan vs PPO -- 2nd child expected
Replies: 14
Views: 676

Re: Help choose between High deductible HSA plan vs PPO -- 2nd child expected

Does your employer make any contributions to your HSA? That can change the math. Are you hitting your deductible during the current plan year? How much have you spent on copays/prescriptions, etc. so far? Does your company have anything like a HCRA or FSA for the PPO plan? Do they fund any part of i...
by b42
Fri Jul 26, 2019 2:48 pm
Forum: Personal Investments
Topic: Need HSA investment advice
Replies: 9
Views: 602

Re: Need HSA investment advice

In my HSA I put all investment dollars in Vanguard's 500 Index since it's close enough to Vanguard's Total Stock Index. Since I consider it part of my overall portfolio I balance it out with bonds in my 401k. Makes it easy to manage.
by b42
Mon Jul 22, 2019 7:17 am
Forum: Personal Consumer Issues
Topic: Car Leasing Question
Replies: 22
Views: 1477

Re: Car Leasing Question

Another vote for leasehackr.com. Once you understand the math behind a lease, you can run the numbers to see if leasing a specific make/model makes sense. The usual rule of thumb is to get a lease with no money down that has a monthly payment of 1% of the MSRP or less.
by b42
Fri Jul 05, 2019 11:39 am
Forum: Personal Investments
Topic: Best way to plan for $620K long term capital gains?
Replies: 18
Views: 2456

Re: Best way to plan for $620K long term capital gains?

Do you tend to give a certain amount to charity every year? You could check to see if they would accept a gift of appreciated stock and you could keep the cash you normally donate, plus you get the tax benefit.
by b42
Mon Jul 01, 2019 2:33 pm
Forum: Personal Consumer Issues
Topic: Frontier or Spirit Airlines
Replies: 63
Views: 5131

Re: Frontier or Spirit Airlines

I flew Frontier for the first time about a month ago from Philadelphia to Pensacola. No issues, and the plane was newer than expected, and the service was great as well. I'd use them again.
by b42
Tue Jun 25, 2019 12:22 pm
Forum: Personal Investments
Topic: Proceeds from house sale
Replies: 6
Views: 798

Re: Proceeds from house sale

If you only need about 70k for a future down payment, another option could be to take the extra 30k cash and put it in your tax-advantaged accounts (assuming there's any room in a 401k, IRA, etc.). That way you'd be investing at your normal 85/15 allocation, and then the remaining 70k could be put i...
by b42
Tue Jun 25, 2019 10:45 am
Forum: Personal Investments
Topic: Proceeds from house sale
Replies: 6
Views: 798

Re: Proceeds from house sale

If the proceeds from sale of the house are going to be used to buy another house, potentially in the next 1-2 years, a 60/40 split takes on a lot of risk. I'd recommend putting it into a CD or Vanguard's 20/80 or 40/60 fund.
by b42
Thu May 16, 2019 12:52 pm
Forum: Investing - Theory, News & General
Topic: We’ve won the game...but how do we stop playing?
Replies: 76
Views: 8451

Re: We’ve won the game...but how do we stop playing?

A small first step is to direct dividends to the Total Stock Market/Total Bond Market instead of the sector funds (assuming that is what she wants to do). Second, does she have "space" available to sell any amount of funds at a 0% capital gains rate? Third, does she donate to any charities/organizat...
by b42
Tue May 14, 2019 10:40 am
Forum: Personal Investments
Topic: Advice for 20 year old Roth IRA investment.
Replies: 17
Views: 1081

Re: Advice for 20 year old Roth IRA investment.

When I was 19 I started a Roth IRA and put $3k into the Vanguard Total US Stock Index (mutual fund). I'd go this route if she wants to eventually manage her own portfolio.

For my sister who has no interest in investing, the choice was easy. All deposits go to a Vanguard Target Date fund.
by b42
Mon Mar 25, 2019 8:06 am
Forum: Personal Investments
Topic: Very low retirement savings but large cash position, seeking advice
Replies: 7
Views: 1486

Re: Very low retirement savings but large cash position, seeking advice

Welcome to the forums! Is there any employer match for the Simple IRA? The ROTH IRA idea is good. The 2018 contribution deadline is coming up in April though, so you will need to make sure you get this set up in time. What funds are offered though American funds? Depending on your choices you may ju...
by b42
Mon Mar 25, 2019 5:34 am
Forum: Personal Investments
Topic: Help with wife and I's Retirement Plan
Replies: 21
Views: 1754

Re: Help with wife and I's Retirement Plan

There's a good wiki page on approximating the total stock market if you don't have that type of fund available: https://www.bogleheads.org/wiki/Approximating_total_stock_market Or you could always go with the S&P 500 fund. It isn't the entire market, but it tends to correlate closely with the Total ...
by b42
Tue Mar 12, 2019 10:47 am
Forum: Personal Consumer Issues
Topic: Best Car Values
Replies: 155
Views: 11289

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: 726

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: 360

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: 439

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: 4541

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: 226
Views: 17283

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: 563

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: 442

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: 226
Views: 17283

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: 443

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: 1319

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: 790

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: 3132

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: 587

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: 465

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: 1600

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: 2370

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: 691

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: 5237

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: 817

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: 4129

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: 1633

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: 533

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: 737

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: 1577

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: 375

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: 2168

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: 551

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: 4111

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: 448

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: 590

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:...