Bogleheads.org

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I am 26 y/o and currently have 30k in a Solo 401k at ETRADE. Should I convert this to my Roth Solo 401k at ETRADE? Anyone know the pros/cons and the procedure? I already opened a Roth Solo 401k at ETRADE but have $0 in it. I think it is better at my age to move all Solo 401k contributions to the Rot...

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mortfree wrote: ↑Wed Jun 27, 2018 8:58 pm VTI.

No explanation needed.

Is that the "Vanguard Total Stock Market ETF"? Is this one commission-free at etrade?

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30k in Etrade Solo 401k. Not sure what to buy with it. Any suggestions? I am 26y/o. I plan to only invest 15k as I will be borrowing the other 15k for investment properties. If you guys could tell me what you would personally buy at my age to have it growth the best (and give me the reason) that wou...

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Which one is higher on average? Surgeon salary vs owning a business salary/profit? I am wondering if a surgeon salary + benefits almost always comes out ahead of starting your own business. I am ~25y/o and am pursuing the medical school/surgeon track but am just wondering who produces more money ann...

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Do state taxes change for the 2018 tax year and beyond? I know that from the Trump tax bill, the 2018 tax year will result for lower federal taxes for the average American. Will state taxes change or will they remain the same? I live in California. Will my state tax bill be the same or will it change?

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Okay so they will refund me a prorated rate based on when I cancel? Will this a be a daily prorated rate refund or monthly?

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Simply change your address once you've moved. I would guess your rates will go down. You may want to bump up your coverage during the road trip: roadside assistance, etc. You may find a different carrier has better rates as well. Thank you so much for your reply. So should I pay the full premium fo...

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Moving from CA to Texas. What to do with my car insurance? I will probably drive to Texas from California. I have Statefarm but am not sure what to do. Should I pay for the last half of this year? Will it cover me in texas for the last half of the year? What is the cheapest/best option here to trans...

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Smart or Stupid? Paying taxes with credit card to satisfy minimum spending requirements. I am looking to open some new credit cards for their rewards and need to spend at least $3k in 3 months for some of them. I am wondering if it is stupid or smart to pay estimated business taxes with credit cards...

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Lump sum vs Dollar-cost average in 2018?

Which one are you guys doing for your Roth IRA, 401ks, and investing in general? Before I always lump sumed at the beginning of each year but this year due to drop I am wondering if I should dollar-cost average. What do you guys think? What are you guys doing?

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When can you buy TurboTax for 2018 tax year? I am trying to get a head start on my 2018 taxes as I may be buying real estate for income and a tax shelter. What is a good way for me to start calculating my 2018 taxes? Is it a good idea to buy tax software like turbotax early to see how each purchase ...

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What to buy with etrade Solo 401k contributions? 25y/o. I have about 30k in Solo 401k contributions. I am not sure what to buy. Is there a Bogleheads list of ETFs/Stocks/etc. to buy?

Should I dollar-cost average? If so, how much should I use to buy each month?

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So basically if I deposit on 4/17/2018 and have a email receipt from e-Trade that I transferred the deposit on that date for my 2017 Solo 401k contribution I should be safe right?

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How much does each dollar you contribute into a Solo 401k save you in taxes? Does anyone know the exact calculation for this or know where I can find it? I would like an exact number and a break down of how that is calculated. I am doing my solo 401k contribution now and obviously would like to know...

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livesoft wrote: ↑Wed Apr 11, 2018 2:15 pm Whenever I walk into my broker's office and physically hand over a check my statement shows that I contributed that day.

Okay what about for online transfers? Anyone know?

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For the Solo 401k contribution deadline. Can funds be deposited on that date (tax day, April 17, 2018) or do they need to be received by the brokerage on that date? If I initiate the deposit on tax day (April 17, 2018), the brokerage will not actually receive the funds until 3-5 business days later ...

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[Thread merged into here, see below. --admin LadyGeek] How does it make sense to buy a condo/house in Texas? With property taxes being as high as 2.6% in many large cities, for a 200k home, it would cost roughly $5,200 in property taxes a year ($433 per month); and for a 300k home, $7,800 in proper...

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What are the jobs with the best medical insurance? I am looking for potential jobs as a recent top-college graduate (sciences/pre-med) and want to work in healthcare and/or science teaching. What jobs have the best medical insurance? What if I have a family and kid and they need health insurance? I ...

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Okay, so establishing a restaurant in HCOL living area makes more profit generally than in a lower/middle COL area?

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How do franchises/restaurants/retail businesses in expensive cities (e.g. New York, Bay Area, LA -- the areas next to 3+million dollar homes and top universities/businesses) make money? Isn't their rent astronomically high? For example, if you own a Subway next to Stanford University, how do you mak...

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Why do people always recommend buying cars (not leasing) and renting homes (not buying)? Is it mainly due to more dramatic differences in cost and inflexibility/expenses of home ownership?

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If you are self-employed, and work as a contractor (1099) some months of the year, how does health insurance work? If you make below a certain amount, you qualify for low-income Medi-Cal in California, for example. Let's say that you decide to work 1 year but not work the next year, for whatever rea...

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What about investing the Bogleheads way and then selling some of the share for "passive income." How would this compare to investing in dividend stocks? Would this be the best of both worlds if you desired to have some kind of passive income to cover living expenses? Does this beat NOT inv...

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Thank you so much for all of your responses. Any additional insight(s) would be greatly appreciated. What do you guys think about this guy: "ppcian" who invests for cash flow and dividend checks and not capital appreciation? He seems to have a robust business and investing background and l...

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There are hundreds or maybe thousands of pages of comments on this topic on the forum. Clearly people have different opinions. My distillation of the majority opinion is that the total return, before taxes, of total stock funds is similar to diversified stock funds focused on dividends, so the main...

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I have looked at some YouTube videos on people investing in dividend stocks and they generate ~$500- $1000+ in dividend stocks. I $500- $1000+ per what?! In short, the historical data supports the theory that there’s nothing special about dividend strategies. And interestingly enough, they performe...

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I have looked at some YouTube videos on people investing in dividend stocks... Perhaps this is not the optimal source of investment information. I have also taken some financial courses by other finance professionals and they recommended a couple of sources for investing/generating "passive in...

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What do Bogleheads think of Passive income through Dividend Stocks? I have looked at some YouTube videos on people investing in dividend stocks and they generate ~$500- $1000+ in dividend stocks. I would like to know if there is a good way to invest Boglehead style in dividend stocks and generate pa...

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Agree with others, you should rent. OP, didn't you just start a thread about, why would anyone buy a SFH in TX? Now, you're thinking of buying? :confused There were people on the thread that stated reasons to buy? I just want to know whether it would be wise in my situation and with my grad school ...

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[Thread merged into here, see below. --admin LadyGeek] Should I buy a house, duplex/multiplex, or condo in Houston, TX? Any advice? I have some money saved up and am planning to relocate to Houston, TX from the Bay Area (California) to find a new job. I am a UC Berkeley graduate (2012) with high ac...

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j0nnyg1984 wrote: ↑Sun Feb 11, 2018 12:19 am After reading this:

The property taxes alone are more than the rent so how can it even make sense money wise to buy?
I decided that I can't stay in this thread.

Explain? What is wrong with this statement?

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This piece from Vanguard has been linked in a few topics, How to navigate market corrections | Vanguard Timing the market is futile. The best and worst trading days happen close together. https://vanguardretailnews.files.wordpress.com/2018/02/bear-markets-infographic_feb-2018_images_best-and-worst-...

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Because they have 2 kids in school and want them to walk to school? Virtually nobody lives in downtown Houston. It is not like NYC nor San Fran. And property taxes are higher in New York on a square footage basis. I wonder if you are seeing investment properties used for AirBNB, Superbowls, NCAA to...

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Would it be a logical argument that renting is almost always better than buying a condo/SFH? The property taxes alone are more than the rent so how can it even make sense money wise to buy? There is a flaw in your argument someplace. If you rent you pay property taxes. Sure, it is indirect. The cou...

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Why would people buy condos/single family homes (SFH) in Texas if they wanted to live there for work? Let's say someone wants to live in Houston, TX near the medical centers for work. Would it be a logical argument that renting is almost always better than buying a condo/SFH? The property taxes alon...

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I am wondering if there are any sites that allow you to track stocks in real time like www.gdax.com for cryptocurrency. I would like to know to see the volatility of the stock market myself.

Thank you!

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...Well if it drops this much usually it creates a panic and people start selling right? That's pretty easy to predict, is it not?... No. It is not. Nothing about the stock market is "easy to predict." It is hard to know exactly where the truth lies, but I, and most Bogleheads, have come ...

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Should you sell your investments when they start dropping? When should you invest during this market correction? I don't see why not sell now and wait for the market to drop more and then buy them again. Will the market go up as fast as it is going down? (I am kind of playing devil's advocate here)...

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Should you sell your investments when they start dropping? When should you invest during this market correction? I don't see why not sell now and wait for the market to drop more and then buy them again. Will the market go up as fast as it is going down? (I am kind of playing devil's advocate here)...

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Should you sell your investments when they start dropping? When should you invest during this market correction? I don't see why not sell now and wait for the market to drop more and then buy them again. Will the market go up as fast as it is going down? (I am kind of playing devil's advocate here) ...

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How fast is it to sell your shares in a Roth IRA at Vanguard (or any other brokerage)? Let's say the market drops 20% in a day. How fast can you pull out? I have about $40,000 in VFFVX (Vanguard Target Retirement 2055 Fund Investor Shares) at Vanguard. I have been doing some bitcoin investing and ti...

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I am relatively new to investing. Do all investment earnings in IRA/401k need to stay in the account until retirement? If so, how many people invest outside these accounts in regular taxable investment accounts? I am guessing you can sell your shares at any time and keep any amount as cash in the ac...

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Are these the funds that the VFFVX is composed of? 1 Vanguard Total Stock Market Index Fund Investor Shares 54.5% 2 Vanguard Total International Stock Index Fund Investor Shares 35.5% 3 Vanguard Total Bond Market II Index Fund Investor Shares* 7.0% 4 Vanguard Total International Bond Index Fund Inve...

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I am 26 y/o and current have about 36k invested in my Roth IRA in "VFFVX Vanguard Target Retirement 2055 Fund Investor Shares". I am wondering if I should keep my Roth IRA money in this fund or put it in something else at Vanguard. I would like to know the best fund for my age and with the...

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Spirit Rider wrote: ↑Fri Dec 29, 2017 1:00 am It is actually best to maximize your employer contributions in the following year.

I'm not the OP, but curious as to your above quote as I am doing a solo 401k myself. What do you mean by this Spirit Rider?

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I believe you can make both the employer and employee portions by tax day of next year. Someone please correct me if I'm wrong.

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Living in a state without an income tax sounds good on paper, but you're probably getting charged more in property taxes and/or sales taxes. :wink: :mrgreen: ~$2.5K/yr on a house that appraises a bit north of $350K. 8.25% sales tax. I looked at all of that before we moved. I ruled out TX due to hig...

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Stock prices -- Are they only dependent on how much people are willing to pay and how much they are willing to hold? What determines whether stock prices go up or down? Is it solely supply and demand for the stocks? Doesn't that make all stocks extremely volatile? Are stock prices based on any other...

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Let's not get ahead of ourselves here, folks. They may be talking a 1 BR apartment for $1100/month compared to a 3 BR house for $350k. As is often the case, rent vs. buy here may not be apples to apples. I'm more concerned about the 5% investment. If anyone is offering a guaranteed 5% nowadays, I'd...

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LeeMKE wrote: ↑Sat Dec 23, 2017 3:19 pm You don't have the luxury of worrying about paying account fees.

Get #2 open ASAP and then close one later once you get the fees figured out.

Yeah you are right. Is it wise opening 2+ Solo 401k accounts (or other retirement accounts) anyways and fund multiple to directly compare?

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