Search found 4131 matches

by bloom2708
Mon Jun 25, 2018 8:29 am
Forum: Investing - Theory, News & General
Topic: Still re-balance in TSP/401k if it is split between traditional and Roth?
Replies: 3
Views: 133

Re: Still re-balance in TSP/401k if it is split between traditional and Roth?

What is your marginal/highest tax rate? If you want to be 70/30, then I would make your mix 70/30 in the TSP/401k. If you change jobs you can roll your 401k to a Rollover IRA (pre-tax part) and to your Roth IRA (Roth part). Until then, I don't think it is worth it to try to bucket inside your 401k. ...
by bloom2708
Sat Jun 23, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is this all investing is?
Replies: 38
Views: 3425

Re: Is this all investing is?

Disconnect happiness (or the feeling of) with buying stuff.

The sooner the better.

As a test back off savings a bit and direct spending to clothes, electronics, car fund, etc.

See what the impact on happiness and contentment is.
by bloom2708
Sat Jun 23, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 32
Views: 16762

Re: Costco tire - Michelin vs Bridgestone

Cooper or Toyo.

Skip Costco too.

Michelin tires are too hard most of the time. You can do better for less.
by bloom2708
Sat Jun 23, 2018 1:42 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 44
Views: 2292

Re: car for long-distance driving

Is this work related?

My megacorp has a deal with Avis for unlimited mileage on all rentals.

A Fit would not be a good “fit” for such a long drive.

I would rent each time the type that fits the season.
by bloom2708
Fri Jun 22, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: "Valuing" the costs of direct indexing
Replies: 5
Views: 481

Re: "Valuing" the costs of direct indexing

I think you are over estimating the potential return difference of these services. Search on Betterment or Wealthfront or others and see all the threads of people who tried it and want to get out or got out. Their fees continue to rise as they figure out how to pay themselves. You take tax losses if...
by bloom2708
Fri Jun 22, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Find a new job or not (golden handcuffs, etc etc)
Replies: 11
Views: 1615

Re: Find a new job or not (golden handcuffs, etc etc)

I don't think you've worked yourself into a position to do what you want yet. 30. $250k net worth. Just crossed the start line really. Great salary and great potential, but not earned yet. If you were 30 with a $1.5 million net worth and well ahead, you might have earned some options. Just my 2 cent...
by bloom2708
Fri Jun 22, 2018 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?
Replies: 5
Views: 353

Re: Schwab ETF or Vanguard Mutual Funds (Taxable Account) ?

I think you went sideways when you wanted to "mix things up". No need really. Both Total US and Total International stock indexes behave very similar. Similar returns, costs. Buying the Schwab version and then the Vanguard version just gets you 2 1099-B at year end and adds to your tax complexity. P...
by bloom2708
Fri Jun 22, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: I think I am in trouble...way behind where I should be
Replies: 22
Views: 2324

Re: I think I am in trouble...way behind where I should be

Even in CA is $4,000/month rent for a single person with no kids a lot? Is that a 1-2 bedroom with a parking spot? Pre-tax 401k, Back door Roth IRA. At 45, I would still be 70/30. Taking excessive risk and being 90 or 100% stocks won't catch you up. Saving more and cutting expenses are the two magic...
by bloom2708
Fri Jun 22, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Hire financial advisor?
Replies: 21
Views: 1235

Re: Hire financial advisor?

Welcome. Do you need to pay the .3% PAS fee? No, certainly not. Can you do it yourself? Certainly Does it have to be complicated, expensive, time consuming? No Bogleheads can provide answers to any questions you may have. $0 fee and lots of different perspectives. A 3 fund style portfolio, tweaked t...
by bloom2708
Fri Jun 22, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: Why Active can never beat Passive
Replies: 33
Views: 3001

Re: Why Active can never beat Passive

It would be easier if they were the same funds from year to year AND if they could be found BEFORE the year begins! This. Once 2018 is done, I can make a SUPERBLY performing fund. MIPL (It has two stocks Microsoft and Apple). It is active as I decide the mix of the two. Only 1.5% ER. It might crush...
by bloom2708
Fri Jun 22, 2018 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on investment strategy
Replies: 6
Views: 337

Re: Seeking advice on investment strategy

Thanks for your reply. I will try to understand how our 401K is being invested. I don't get what "Broad market index or a Target Date fund" means in 401K. Can you please expound a little bit. We both don't have a Roth IRA account. But I forgot to mention that aside from the traditional 401K that I ...
by bloom2708
Fri Jun 22, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Help Refi Investment Properties
Replies: 2
Views: 159

Re: Help Refi Investment Properties

I would probably do nothing until this time next year (2019) and then only deal with the one coming due in 2019. Have you thought of moving these to 10 year fixed mortgages/loans as they come due? How would these cash flow with a 10 year/fixed amortization. Rentals with 30 year amortizations (that r...
by bloom2708
Fri Jun 22, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Seeking advice on investment strategy
Replies: 6
Views: 337

Re: Seeking advice on investment strategy

1. This is good. I would probably work on this statement: "I have no idea where it's invested". Get a list of all the funds available in each 401k along with the expense ratios. Cost matters. Broad market index or a Target Date fund that matches your desired mix of stocks/bonds. It doesn't have to b...
by bloom2708
Fri Jun 22, 2018 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Two Toyotas - time to update for long trips?
Replies: 25
Views: 1915

Re: Two Toyotas - time to update for long trips?

Neither of those cars is close to "used up". Is the Camry giving you maintenance issues? 5k miles/year isn't much. A Highlander with 115k is not past the reliable stage. I wouldn't be in a rush to do anything here. Certainly, save up in your "car fund" for the next car. I don't think you need to be ...
by bloom2708
Fri Jun 22, 2018 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Precious metals ETF in taxable account
Replies: 1
Views: 158

Re: Precious metals ETF in taxable account

The other taxable event is a capital gains distribution. You should be able to see the past years gains distributed to owners.

As a Boglehead I would also ask: why do you want a gold/silver ETF? :wink:

Less is more.
by bloom2708
Fri Jun 22, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Help a 'Three Funder' Allocate Inherited IRA
Replies: 10
Views: 838

Re: Help a 'Three Funder' Allocate Inherited IRA

How about LifeStrategy Growth (80/20). One fund. Inside is Total US, Total International, Total US Bond and Total International Bond. No re-balancing. Keeps your asset allocation in place (doesn't deviate). Send dividends to the settlement account to go toward the next RMD. Sell some shares to compl...
by bloom2708
Fri Jun 22, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: New ETF portfolio
Replies: 4
Views: 187

Re: New ETF portfolio

Welcome. With Total World + Total International, that heavily tilts you to International (away from US). Less is more: Total US (35%) Total International (25%) Total US Bond (30%) REIT (10%) I skipped International Bonds as they don't add much on the safety side. You don't say if this is in a tax-sh...
by bloom2708
Fri Jun 22, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: Can you retire on $2M?
Replies: 140
Views: 14088

Re: Can you retire on $2M?

If you retire at 40, then after 40 years, you are 80. Not 100.

Nothing will get you 8% interest. Assuming 8% on 100% stocks is not realistic.

Back to work unless your total expenses are in that $50k to $60k range. If so, yes you can retire at 40 with $2 million.
by bloom2708
Thu Jun 21, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Funds allocations for taxable account and IRA.
Replies: 5
Views: 386

Re: Funds allocations for taxable account and IRA.

With no 401k, bond placement will be a bit of a challenge. You have two options: 1. Put all your bonds in your Roth IRA and do Total US + Total International in taxable. You could do this by dropping down to Target 2030 (or similar) to get a mix of bonds in Roth. 2060 has ~5% bonds. This will work ...
by bloom2708
Thu Jun 21, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: is Ed Jones always bad news?
Replies: 29
Views: 3212

Re: is Ed Jones always bad news?

I don't think you will find any under .50% expense ratio. Is he in any Advisory Solutions products? That carries the 1.35% all inclusive management fee. My parents expense ratios were (they got out) in the .54% to 2.0% range. None lower than that. Lots of up front sales loads and they had 2 accounts...
by bloom2708
Thu Jun 21, 2018 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: help, inheritance of $3.5M, read & read BogleH, & still in the dark
Replies: 33
Views: 4204

Re: help, inheritance of $3.5M, read & read BogleH, & still in the dark

Lots of good advice. A demure $1 million home for a "frugal" person. Hmmm. Is moving an option with your new pile of cash money? Move somewhere where a $350k home is very nice. Lower taxes. Lower everything. Put $3 million in the Vanguard Tax Managed Balanced Admiral fund. Send dividends to your set...
by bloom2708
Thu Jun 21, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Early retirement myth
Replies: 14
Views: 1404

Re: Early retirement myth

To me, I don't get irritated. Perhaps a bit jealous. Financially Independent is the better term. I call it the "FI trap" because it sounds good. Looks good. But, most people aren't willing to do the things (long term/short term) to do what a select few are doing. So, we trudge along with the FI carr...
by bloom2708
Thu Jun 21, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: What should be my stock/bond allocation?
Replies: 21
Views: 1499

Re: What should be my stock/bond allocation?

5-6% withdrawal is $400k-$480k each year. Even $8 million won't sustain that level of spending for long. How "accurate" is the 5-6% withdrawal amount? It that just a high guess? I try to put myself in your shoes. $8 million is a nice amount of money. Balancing risk/spending. Is this what the Vanguar...
by bloom2708
Thu Jun 21, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Funds allocations for taxable account and IRA.
Replies: 5
Views: 386

Re: Funds allocations for taxable account and IRA.

With no 401k, bond placement will be a bit of a challenge. You have two options: 1. Put all your bonds in your Roth IRA and do Total US + Total International in taxable. You could do this by dropping down to Target 2030 (or similar) to get a mix of bonds in Roth. 2060 has ~5% bonds. This will work u...
by bloom2708
Thu Jun 21, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Hands-free solutions
Replies: 15
Views: 539

Re: Hands-free solutions

I drive a 10 year old truck. I installed a bluetooth adapter to work with my factory radio. It works really well. We have had similar ones in other cards. I love it because I listen to Podcasts almost every day on my commute and this makes it really easy. It works well for phone calls also. I'm pre...
by bloom2708
Wed Jun 20, 2018 4:49 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire TV Cube
Replies: 6
Views: 580

Re: Amazon Fire TV Cube

With our Apple HomePod I looked at the HomePod, it seems even more crippled than Alexa although the speaker sounds pretty good. Google has the best speech recognition at a cost of privacy. Actually the Cable Providers are really going to have to step it up as well in this home theater box battle. C...
by bloom2708
Wed Jun 20, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: What should be my stock/bond allocation?
Replies: 21
Views: 1499

Re: What should be my stock/bond allocation?

I think 50/50 or 60/40 would be in the mix. 40/60 is on the conservative side at 52. You still have 40 years to go (hopefully). My parents in their 70s are 40/60. Asset allocation is very personal, so if 40/60 is where you can sleep well at night and not think about it, then 40/60 is fine. 50/50 mig...
by bloom2708
Wed Jun 20, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire TV Cube
Replies: 6
Views: 580

Re: Amazon Fire TV Cube

The Cube looks interesting. Continuing to add features. I note Amazon is releasing a new FireTV virtually each year. Built in obsolescence with a pretty high price point. One of my kids was watching a Netflix series for younger people. The main character was "Alexa". They said the name over and ove...
by bloom2708
Wed Jun 20, 2018 4:15 pm
Forum: Personal Consumer Issues
Topic: Amazon Fire TV Cube
Replies: 6
Views: 580

Re: Amazon Fire TV Cube

The Cube looks interesting. Continuing to add features. I note Amazon is releasing a new FireTV virtually each year. Built in obsolescence with a pretty high price point. One of my kids was watching a Netflix series for younger people. The main character was "Alexa". They said the name over and over...
by bloom2708
Wed Jun 20, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: new investor at 57
Replies: 8
Views: 1116

Re: new investor at 57

You would keep your Roth IRA. Open a Traditional IRA along side and put the $6,500 into the pre-tax/traditional side. That will lower your income and save you the tax. That was the guidance above. It probably won't make a huge difference if you do Roth or Pre-tax. Your income will be low, so you lik...
by bloom2708
Wed Jun 20, 2018 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mid career retirement planning, HCOL area
Replies: 8
Views: 1478

Re: Retirement and future planning

1. I would agree. How long have you been at $450k? 70/30 seems reasonable, but you could be 75/25 if you can ride out the dips. 2. This is where I say "you can have anything you want, just not everything". Your salary is up in a range where the tax you pay is 2x most people salary. I think you will ...
by bloom2708
Wed Jun 20, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice For Portfolio Construction
Replies: 4
Views: 387

Re: Seeking Advice For Portfolio Construction

Welcome. The 3 fund portfolio is an excellent option. There are always some "buts". The Total US Bond portion interest is ordinary income, taxed at your highest marginal rate. There is no 28% bracket in 2018. So likely 12% or 22% based on what you listed as income. We would have to know your AGI est...
by bloom2708
Wed Jun 20, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2245

Re: Need new Cable Modem + Router - Please recommend

I would buy separate units. Your cable provider should have a list of compatible/approved cable modems that support the DOCSIS (3.0/3.1) version that is current. That should be under $100. Arris/Motorola is a good brand. We have a Hitron brand. Then buy a Google Wifi (single or 3 pack) or another si...
by bloom2708
Wed Jun 20, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Considering adding VWALX; pros-cons
Replies: 14
Views: 1384

Re: Considering adding VWALX; pros-cons

I am ok with back testing in certain scenarios. Look and see how VWALX did during the 2007 to 2009/10 market swoons. Total return for VWALX in 2008 was -10.39% vs VTI (total stock market) at -36.97%. So certainly not as stable as a savings account but not really anywhere near as volatile as stocks ...
by bloom2708
Wed Jun 20, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: NEW Here! 401K/IRA - AA Assistance
Replies: 3
Views: 274

Re: NEW Here! 401K/IRA - AA Assistance

I would stick with the single fund in your 401k. The other expense ratios are not good. Your 20% bonds should go in your Rollover IRA. Adjust that account to have a Total US Bond index. No tax consequences for selling/re-arranging in a Rollover IRA. That allows you to have stocks in your other funds...
by bloom2708
Wed Jun 20, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Considering adding VWALX; pros-cons
Replies: 14
Views: 1384

Re: Considering adding VWALX; pros-cons

I understand. The high yield/junk bonds tend to act like stocks when stocks are dipping/dropping. That is not what you want from the bond side of your portfolio. I am ok with back testing in certain scenarios. Look and see how VWALX did during the 2007 to 2009/10 market swoons. The best scenario is ...
by bloom2708
Wed Jun 20, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Considering adding VWALX; pros-cons
Replies: 14
Views: 1384

Re: Considering adding VWALX; pros-cons

Add 5% to the stock side/allocation of your portfolio if you want to reach for more return.

Stick with Int-Term Tax-Exempt in this rising interest rate environment.

High yield will lower the quality, extend the duration out or both. The bond side is for stability and some return.
by bloom2708
Tue Jun 19, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: new investor at 57
Replies: 8
Views: 1116

Re: new investor at 57

Welcome. If taxable, how about the Vanguard Tax Managed Balance fund? ~47/53. Or LifeStrategy Conservative Growth (60/40). Putting the $25k in 100% stocks might be rough if we hit a big decline in the markets. Keep expenses low, save what you can, keep renting and keep rent low. Being single, you ar...
by bloom2708
Tue Jun 19, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 129
Views: 7456

Re: gray hair

Embrace the grey. 75% grey at 47.

#2 clipper, right/left ear taper on clipper, every 2-3 weeks. $0

I work with a guy who is probably 50 and had curly, dark brown hair. He dyes it and it ends up darker than his natural hair. You can tell it is dyed from 75 feet away. Embrace the grey.
by bloom2708
Tue Jun 19, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Shorting Amazon
Replies: 44
Views: 4083

Re: Shorting Amazon

If I get an "itch" a "feeling" a "hankering" a "hunch" a "tip" a "deal I can't refuse" etc. I ignore myself.

Just say no to investing based on emotions. :wink:
by bloom2708
Mon Jun 18, 2018 12:19 pm
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1629

Re: One handed Android phone?

Blu makes a series of unlocked GSM Android smartphones in a variety of sizes. They are pretty cheap too. Search eBay for the different sizes and prices. Stay away! Blu has been caught multiple times preloading spyware on their phones. Here's the story from last year when Amazon pulled them after th...
by bloom2708
Mon Jun 18, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: mortgage or 401k withdrawal
Replies: 4
Views: 472

Re: mortgage or 401k withdrawal

Welcome. Whether to have a mortgage in retirement is a lifestyle decision. Personally, I would not/do not want a mortgage in retirement. You should do some marginal tax bracket calculations. Withdrawing the full $120k in 2018 might/will send you up into the 24% tax bracket. It might make sense to do...
by bloom2708
Mon Jun 18, 2018 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: Having a hard time pulling the trigger...
Replies: 25
Views: 2380

Re: Having a hard time pulling the trigger...

Are you maxing out your pre-tax 401k? Use some of the bonus to increase your pre-tax 401k amount to hit $18,500 (not counting any match) for 2018. You could set some aside for a bump to 2019 income and max 2019 pre-tax 401k at $18,500 as well. $5,500 for 2018 back door Roth IRA. $5,500 for 2019 back...
by bloom2708
Mon Jun 18, 2018 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Best Index Fund for HSA
Replies: 4
Views: 588

Re: Best Index Fund for HSA

I use a low cost, target date fund that matches my overall mix of stocks and bonds in our HSA. 2035 is our current pick as it matches our desired allocation for all our investments. With a starting out balance, 100% Total US is fine. If your HSA balance grows (hopefully), you may not want to see it ...
by bloom2708
Mon Jun 18, 2018 8:43 am
Forum: Personal Finance (Not Investing)
Topic: Sanity Check on House Purchase
Replies: 13
Views: 1681

Re: Sanity Check on House Purchase

Is anything going into your 401ks or Roth IRAs? Or is your net of $4,880 what is left after retirement savings? The house price seems very reasonable. Daycare seems light, but I understand if your parents are helping. A second child will make that even tighter. If you add 20/30 minutes to your commu...
by bloom2708
Mon Jun 18, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: One handed Android phone?
Replies: 38
Views: 1629

Re: One handed Android phone?

If the SE is too small (4") and the iPhone 6/7/8 (4.7") is too big, there isn't much in between. The regular iPhone 8 is still one of the smallest screens left out there. Most are 5", 5.5", 5.7", 6.0", etc. A black thin case with a black pop-socket might be the best solution. The phone doesn't lay f...
by bloom2708
Sat Jun 16, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 456
Views: 100834

Re: Anyone regret paying off mortgage early?

I regret pay off 4.5% mortgage. I should have invested in Total Stock Index to get the 11% return . BTW, the 4.5% effective rate for me is 4% after the mortgage tax deduction. Even during the 2008 crisis with every equity 40% off, if you stay in course for 2 more years, you will still ahead of payi...
by bloom2708
Fri Jun 15, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: SleepScore App
Replies: 11
Views: 1150

Re: SleepScore App

My Samsung GearFit 2 gives me a sleep score (as a percentage) every morning. It tells me how long I've been asleep. It tracks your restless periods (moving, tossing, turning) and your motionless time periods. It gives you a little bar chart. I find it quite informative. It allows you to go to the re...
by bloom2708
Fri Jun 15, 2018 10:17 am
Forum: Personal Consumer Issues
Topic: A vehicle that "sits up" but can't afford CRV
Replies: 63
Views: 5093

Re: A vehicle that "sits up" but can't afford CRV

Look for a one owner, cared for, serviced Lexus RX 350 from 2008 to 2011 with low miles. They exist. Just another option. People that buy new Lexus tend to take care of them. They also tend to buy another new Lexus. For some reason people don't want to buy used Lexus vehicles. That seems to drive th...
by bloom2708
Fri Jun 15, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: 401 k to. Roth rollover - min taxes?
Replies: 15
Views: 856

Re: 401 k to. Roth rollover - min taxes?

Don't purposefully pay tax now. Defer to 30 years down the road. Let your pre-tax dollars grow. I really don't care if 10% or 12% or 22% is "low". Nobody knows what the tax rates will look like 30 years, 40 years down the road. There are no gains/losses in a 401k or Roth IRA, so that does not matter...