Search found 75 matches

by Pale Horse
Fri Mar 13, 2020 4:42 am
Forum: Personal Investments
Topic: TSP Questions
Replies: 7
Views: 587

Re: TSP Questions

Interfund transfers are performed same day if submitted before noon. Otherwise it's processed the following workday at end of day.
by Pale Horse
Thu Mar 12, 2020 6:29 am
Forum: Personal Investments
Topic: How many people with 7 figure portfolios are”rejoicing ?”
Replies: 169
Views: 14717

Re: How many people with 7 figure portfolios are”rejoicing ?”

I was initially, but I've been selling bonds for equities in 5% chunks since the bottom started falling out. Now I'm all out of dry powder though (at least as low as I feel comfortable) and too far skewed toward equities. I'm ready for it to head back up so I can shift back to my normal allocation.
by Pale Horse
Mon Mar 09, 2020 3:41 pm
Forum: Investing - Theory, News & General
Topic: Who here is buying stocks today and how much?
Replies: 311
Views: 29133

Re: Who here is buying stocks today and how much?

Buying Stocks: Yes
How Much? All of them. All your stocks now belong to me.
by Pale Horse
Thu Feb 20, 2020 6:47 am
Forum: Personal Investments
Topic: TSP Withdrawal Considerations
Replies: 3
Views: 305

TSP Withdrawal Considerations

I switched employers last year and am still considering what to do with my 401k there. It's through Fidelity with good choices and low fees, so I'm not opposed to just leaving it there, but I do like simplicity so am considering rolling it over to my existing employer's 401k or into my existing TSP ...
by Pale Horse
Fri Jul 05, 2019 12:43 pm
Forum: Personal Consumer Issues
Topic: buying a 60 or 65 inch tv this weekend. which one?
Replies: 74
Views: 4404

Re: buying a 60 or 65 inch tv this weekend. which one?

If only there was a place for consumers to get reports on products. Seems like it would be a more reliable source of information than random anecdotal responses from strangers on an investing forum.
by Pale Horse
Wed Jul 18, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 24947

Re: New Vanguard Security Code Requirement

...I actually do daily monitoring. Not to make changes or react, but just to monitor for unauthorized transactions or errors (across all financial accounts, not just retirement). Daily monitoring??? Just to look for unauthorized transactions??? Sounds like 2FA would be useful for you. Just think of...
by Pale Horse
Tue Jul 17, 2018 1:52 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 24947

New Vanguard Security Code Requirement [2FA: Two-factor authentication]

[Thread merged into here. --admin LadyGeek] Just got a notification that Vanguard is implementing mandatory 2 factor authentication procedures. I've worked in IT security and absolutely hate this feature. It's an overly burdensome solution to a problem easily mitigated with sufficiently-designed pa...
by Pale Horse
Fri Jan 26, 2018 11:45 am
Forum: Personal Consumer Issues
Topic: Pizza delivery asked for security code on my credit card with order
Replies: 50
Views: 26763

Re: Pizza delivery asked for security code on my credit card with order

I eat out quite a bit and I have never seen a server bring a hand held reader to my table while in the U.S. However, I have been to Europe several times, and my experience there was the opposite...almost every full service restaurant that I went to in Europe used portable readers that the server br...
by Pale Horse
Fri Jan 19, 2018 12:51 pm
Forum: Personal Investments
Topic: Sell Home Depot?
Replies: 51
Views: 5253

Re: Sell Home Depot?

WhiteMaxima wrote: Wed Jan 17, 2018 2:55 pm If you believe human still need live in a house, the HD or Loews will always be a good investment.
Can't argue with that logic, just ask Builder's Square, Home Quarters Warehouse, Handy Dan, HomeBase, etc., etc.
by Pale Horse
Mon Dec 11, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: likely date for a bitcoin crash: does this make sense to you?
Replies: 147
Views: 18089

Re: likely date for a bitcoin crash: does this make sense to you?

Nate79 wrote: Sun Dec 10, 2017 5:05 pm Bitcoin can't crash. You guys just don't understand the technology :oops:
LOL.
Why not? Pray tell.
by Pale Horse
Wed Aug 23, 2017 9:59 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 5619

Re: Would you hire an obese nanny?

I guess I'm just a bit more open-minded than you are and willing to give people a chance at a job regardless of their appearance. I don't particularly enjoy the veiled reference implying I'm bigoted on people's appearance. While it's very generous of you to let a tattooed person cut your hair, that...
by Pale Horse
Wed Aug 23, 2017 9:38 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 5619

Re: Would you hire an obese nanny?

How is this not relevant? Someone who is obese can actually be in well enough shape to do the same job as someone that is thin - isn't that the whole point to this discussion? Someone who is obese may not be so because they sit on the couch and eat potato chips as you say - there are medical condit...
by Pale Horse
Wed Aug 23, 2017 9:10 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 5619

Re: Would you hire an obese nanny?

The flaw in your conclusion here is that you can't tell if this is their disposition based solely upon their weight. I know a lot of skinny people with high-metabolisms that eat terrible ("vegetables are what my food eats" one tells me) and are out-of-shape physically. True, but not reall...
by Pale Horse
Wed Aug 23, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Weightlifting Equipment for Home Gym
Replies: 54
Views: 12070

Re: Weightlifting Equipment for Home Gym

Take the plunge and go with Rogue. The quality is superior to just about anything else available, and if for whatever reason you have to sell it, it retains it value much better than most other stuff (you'd be lucky to be able to give away much of other brand stuff). There are many models that don't...
by Pale Horse
Wed Aug 23, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Would you hire an obese nanny?
Replies: 81
Views: 5619

Re: Would you hire an obese nanny?

Can we please get off the high horse and stop trying to trample the guy? He's not just hiring a nanny, he's also hiring someone who will be around his child(ren) 8+ hours a day and a de facto role model. IF the circumstances which led to her "morbid obesity" are within her control, I belie...
by Pale Horse
Tue Jun 06, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: "I trail my bogy by 31 percentage points"
Replies: 26
Views: 5616

Re: "I trail my bogy by 31 percentage points"

For those not familiar with the term FANG it refers to Facebook, Apple, Netflix and Google. Actually, it stands for Facebook, Amazon, Netflix and Google. Thanks. I stand corrected. I assumed incorrectly. Thanks for catching that! And now it's both Apple & Amazon...FAANG! https://www.benzinga.co...
by Pale Horse
Sat Apr 15, 2017 4:48 pm
Forum: Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 11069

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

1. Open Vanguard account.

2. Drop money here: Vanguard Target Retirement 2035 Fund (VTTHX) or Vanguard Target Retirement 2030 Fund (VTHRX)

3. Leave it alone.
by Pale Horse
Sat Apr 08, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: Car door lock problem
Replies: 11
Views: 2151

Re: Car door lock problem

Out of curiosity, did you perhaps consider asking on, I don't know, a car forum? Maybe even one specific to your model of vehicle: http://www.mdxers.org/forums/ Not trying to be a jerk, but I'm just not sure why Bogleheads has become the de facto site for any and every possible question. Question ab...
by Pale Horse
Fri Feb 17, 2017 5:54 am
Forum: Investing - Theory, News & General
Topic: BofA HSA dropping Vanguard Funds
Replies: 65
Views: 17166

Re: BofA HSA dropping Vanguard Funds

Is your HSA w/ BofA through an employer? How did you receive notification of the change?

My employer's HSA is through BofA and I haven't heard/seen anything.
by Pale Horse
Fri Feb 17, 2017 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Retire in my 30s?!
Replies: 34
Views: 6989

Re: Retire in my 30s?!

OP in your situation, if I had a side business making 160k for 8hrs of work a week, what I personally would do is make a topic on bogleheads presenting it as part of an easy 'dilemma' with an obvious solution in order to humblebrag and bask in the shock and admiration of its posters. Nailed it. /th...
by Pale Horse
Sat Jan 14, 2017 4:44 pm
Forum: Personal Investments
Topic: Help with Vanguard 401k to TSP Transfer
Replies: 3
Views: 960

Re: Help with Vanguard 401k to TSP Transfer

Thanks 13, that's reassuring.
by Pale Horse
Sat Jan 14, 2017 5:46 am
Forum: Personal Investments
Topic: Help with Vanguard 401k to TSP Transfer
Replies: 3
Views: 960

Help with Vanguard 401k to TSP Transfer

I'm trying to move my former-employer's 401k (w/ Vanguard) to my TSP account. TSP requires their transfer forms be completed and signed by the custodian, verifying the balance, and that it came from a qualified plan, etc. So I called Vanguard, and asked them for instructions on the process and was t...
by Pale Horse
Fri Jan 13, 2017 1:24 pm
Forum: Investing - Theory, News & General
Topic: "Millennials are falling behind their boomer parents"
Replies: 24
Views: 2583

Re: "Millennials are falling behind their boomer parents"

The problem lies with the belief that everyone MUST go to college/university. That is not true, one could instead focus on a specialized trade or technical training that could enable them to "launch" just fine. The plumbers in my town make a killing and charge as if you were visiting a me...
by Pale Horse
Wed Jan 11, 2017 11:37 am
Forum: Personal Investments
Topic: How to politely fire my financial advisor
Replies: 66
Views: 19106

Re: How to politely fire my financial advisor

Taylor Larimore wrote:He used to invite us sailing on his lovely sailboat every year.
Very generous of him to share the sailboat you indirectly bought for him.
by Pale Horse
Tue Jan 03, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: My niece got accepted to Georgetown and we may have to pay for it.
Replies: 58
Views: 9102

Re: My niece got accepted to Georgetown and we may have to pay for it.

A few things here to unpack: 2) There are also less heralded options that can be very cheap or nearly free for top tier, "over-matched" students. i.e. A student with strong enough grades, test scores, etc. to get into Georgetown may have some other very cheap options, once scholarship mon...
by Pale Horse
Sun Dec 18, 2016 6:18 am
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 8163

Re: Branch from our tree fell on neighbor's house ??

You're under the misapprehension that satisfying your legal obligations is sufficient to be a good guy. And you're confusing an accepted social convention with an incident where the OP had little to no control over. If through neglect he was the cause of damage it might be appropriate, but otherwis...
by Pale Horse
Sun Dec 18, 2016 5:38 am
Forum: Personal Finance (Not Investing)
Topic: Branch from our tree fell on neighbor's house ??
Replies: 60
Views: 8163

Re: Branch from our tree fell on neighbor's house ??

Based on the posts before me, it looks like your insurance won't pay since you're not liable. You basically have two options. 1. MEAN GUY RESPONSE: Hi Neighbor, my insurance and state law says I am not liable and responsible for this. Sorry, have a nice day. 2. NICE GUY RESPONSE: Hi Neighbor, my in...
by Pale Horse
Fri Dec 16, 2016 9:51 am
Forum: Personal Investments
Topic: 401k layman terms please
Replies: 16
Views: 1763

Re: 401k layman terms please

Sorry, I should've been more specific. When I asked "I'm good right?" what I wanted to know is if I'm contributing the max and taking advantage of the maximun amount the company can match. Ah, yes, that is a much simpler question. :) Yeah, in that sense to receive the full match you're go...
by Pale Horse
Fri Dec 16, 2016 9:43 am
Forum: Personal Investments
Topic: 401k layman terms please
Replies: 16
Views: 1763

Re: 401k layman terms please

When the plan started the initial contribution was 3.5% but after the years it increased, it is now at 8.5% (pre-tax). I'm good right? When you mention "deposited money" do you mean extra money that I can write a check and add to it in order to reach the IRS allowed annual limit? Ah, I as...
by Pale Horse
Fri Dec 16, 2016 9:21 am
Forum: Personal Investments
Topic: 401k layman terms please
Replies: 16
Views: 1763

Re: 401k layman terms please

Congrats, you have a 401k. 1. You're automatically enrolled, they'll be taking out 3.5% of your paycheck. 2. Deposited money will be invested in the target date fund applicable to your age. (this is a good place to stay until you learn more). 3. You should adjust this up to at least 4.5% to take adv...
by Pale Horse
Wed Dec 14, 2016 1:54 pm
Forum: Personal Investments
Topic: Paying Roth conversion tax
Replies: 8
Views: 1769

Re: Paying Roth conversion tax

Thanks for the response, expected as much.

Follow up question, the traditional IRA are in my wife's name. Am I able to do a Mega Backdoor Roth conversion from my 401k without worrying about the pro-rata issue, since the only traditional funds are individually registered to her? We file MFJ.
by Pale Horse
Wed Dec 14, 2016 4:38 am
Forum: Personal Investments
Topic: Paying Roth conversion tax
Replies: 8
Views: 1769

Re: Paying Roth conversion tax

Somewhat related question. Are you able to convert Traditional to Roth after January 1st (but before tax deadline) and consider it for the prior year? Similar how you have up until the tax deadline to contribute to IRA? I'd like to start converting a fairly large portion of traditional IRAs to Roth,...
by Pale Horse
Tue Dec 13, 2016 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: HSA 2017 contributions
Replies: 7
Views: 1543

Re: HSA 2017 contributions

Correct, HSA's can only be individually registered. So if you're both on one family plan and both over 55, you can put $7,750 ($6750 + 1 catch-up contribution of $1000) in one account and the other $1000 catch-up contribution in a second account. Or a total of $8750 split any way you want it between...
by Pale Horse
Tue Dec 13, 2016 1:28 pm
Forum: Personal Investments
Topic: Thinking of Going Solo from My Advisor – Need Portfolio Review and Advice
Replies: 21
Views: 1986

Re: Thinking of Going Solo from My Advisor – Need Portfolio Review and Advice

Taylor Larimore wrote:
I thought servicemen enjoyed government provided disability benefits?
He mentioned employer match on the TSP, so I don't believe he's uniformed services. Unless I'm mistaken and things have changed, only the civilian side gets a match.
by Pale Horse
Tue Dec 13, 2016 12:36 pm
Forum: Personal Investments
Topic: Thinking of Going Solo from My Advisor – Need Portfolio Review and Advice
Replies: 21
Views: 1986

Re: Thinking of Going Solo from My Advisor

NoVaBlue wrote: he works for FirstCommand.
[/quote]

Enough said. Yes, dump the advisor. I'd put FirstCommand in the same group as Thrivent & Edward Jones.
by Pale Horse
Tue Dec 13, 2016 9:29 am
Forum: Personal Finance (Not Investing)
Topic: HSA 2017 contributions
Replies: 7
Views: 1543

Re: HSA 2017 contributions

It's easiest to think about if you split 50:50 between your account and your wife's.

If you're in family plan, each max contribution is $4,375 (Half of $6,750 family limit + $1,000 catchup each).

If you're each in single plans, the max is $4,400.
by Pale Horse
Mon Dec 12, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: 3 Fund - should it be more diversified?
Replies: 28
Views: 4353

Re: 3 Fund - should it be more diversified?

Diversified? How much more diversified can you get beyond owning 10,000 unique companies and 8,500 bond positions? I'd say that's fairly diversified.
by Pale Horse
Wed Nov 30, 2016 10:52 am
Forum: Personal Investments
Topic: Questions on 401k for General Motors Employees
Replies: 6
Views: 4109

Questions on 401k for General Motors Employees

Hi all, Recently took a position at General Motors and had a couple questions for any Bogleheads that might be familiar with their 401k. Summary of 401k: GM's 401k (called their Retirement Savings Program or RSP) offers traditional, roth and after-tax contributions. GM provides a 4% match of contrib...
by Pale Horse
Mon Aug 10, 2015 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: 529 withdrawal and contribution same year
Replies: 5
Views: 4804

Re: 529 withdrawal and contribution same year

Depending on your state of residence, you may not be able to claim full deduction for the 529 contribution if you have withdrawals the same year. Some states net the contributions and withdrawals.
by Pale Horse
Sun Oct 19, 2014 6:11 pm
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 4431

Re: Buying a house without a realtor

HOWEVER - The rebate now lowers the purchase price and establishes a lower BASIS for future gains. That part's a bit tricky. It unfortunately doesn't reduce the actual purchase price, which is the price that all title & mortgage fees are based on. It will reduce your cost basis, but for a prima...
by Pale Horse
Sun Oct 19, 2014 5:30 pm
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 4431

Re: Buying a house without a realtor

I'd suggest looking into securing the services of a rebating Realtor, which will give back a portion of the buying agent commission. I just went through this in Michigan and felt he was worth the money at 1.5% commission, while I got 1.5% back. I wasn't aware of this option. Thanks. Do you have to ...
by Pale Horse
Sun Oct 19, 2014 5:19 pm
Forum: Personal Consumer Issues
Topic: Buying a house without a realtor
Replies: 43
Views: 4431

Re: Buying a house without a realtor

To arrange a showing, you're going to have to go through listing agent. Doing so, without a buying agent, will most likely lead them to attempt to claim procuring cause, which entitles them to both selling and buying agent commission. You can try negotiating this out of the deal, but it's an uphill ...
by Pale Horse
Sat Aug 30, 2014 7:26 am
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 8929

Re: Does your employer still offer pensions to new hires?

My Big4 Public Accounting firm offers a DB pension. It's a pittance though and only eligible after 3 year. With the turnover in public accounting, most will never see a meaningful amount.
by Pale Horse
Fri Aug 29, 2014 7:30 am
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 24808

Re: My husband's " WILL", $ left for me to live on....

Ineedadvice50 wrote: He did say he does not want to hear gripes from his children if he left more than $100.000 from his estate.
He'll be dead, I doubt he'll be hearing gripes from anybody.
by Pale Horse
Wed Aug 27, 2014 12:48 pm
Forum: Investing - Theory, News & General
Topic: Schwab - now endorsing Index Funds
Replies: 24
Views: 3469

Re: Schwab - now endorsing Index Funds

Schwab has a huge selection of index ETFs that have no transaction fee and no minimum. Even better than index mutual funds (due to min investment amount). I am Vanguard all the way. I hate to ask a schwab question here :) I want to open joint/custodial account for my niece and was looking at Schwab...
by Pale Horse
Wed Aug 27, 2014 11:21 am
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 93
Views: 14106

Re: Motif Investing - own the S&P500 for less

Rodc wrote:Sounds nice for the sort of person who wants investing to be a hobby.

Kind of like brewing your own beer. Benefits are low and effort high, but you really do it for the enjoyment of the process.
Great analogy.
by Pale Horse
Wed Aug 27, 2014 9:59 am
Forum: Personal Consumer Issues
Topic: The most hated car brand in America is...
Replies: 4
Views: 1522

Re: The most hated car brand in America is...

Look at the score spread from "worst" to "best". Four points swings you from one to the other. Completely worthless article.
by Pale Horse
Wed Aug 27, 2014 9:43 am
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 93
Views: 14106

Re: Motif Investing - own the S&P500 for less

You'd have to place the same 17 trades every year to maintain the same weight (rebalancing). So your break even point would be $338,300 invested. Any less than that invested, and your yearly cost (17 * $9.95) is more than the 0.05% ER of a S&P500 ETF. And that's if you're only rebalancing yearl...