Search found 432 matches

by Compound
Sun Oct 15, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 41
Views: 2743

Re: Amazon Prime - Decline in Delivery Service?

This has been happening to me for over a year. I would say at least 60%+ of my orders are at least a day late. I've called and complained at least 3-4 times saying that the word "guaranteed" really isn't open to interpretation. They just make excuses or apologize. The most they've ever done is exte...
by Compound
Tue Oct 10, 2017 11:51 am
Forum: Personal Consumer Issues
Topic: 2017 Honda Accord Hybrid EX-L???
Replies: 15
Views: 986

Re: 2017 Honda Accord Hybrid EX-L???

Your current cars are in good shape and should remain so for a while. Why even consider buying a new car unless the deal is staggeringly good. In my view, this deal isn’t even close. Pass.
by Compound
Mon Oct 09, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: [Trad. IRA to 401k to Backdoor Roth]
Replies: 14
Views: 996

Re: [Trad. IRA to 401k to Backdoor Roth]

No, there should be nothing on line 6 because he never gets to line 6. Notice the directions in line 3. Since his answer on Line 3 is "no", he goes right to line 14. Line 6 does not come into play for that first year because he did not take a distribution or do a conversion. Thank you! This is more...
by Compound
Mon Oct 09, 2017 9:38 am
Forum: Investing - Help with Personal Investments
Topic: [Trad. IRA to 401k to Backdoor Roth]
Replies: 14
Views: 996

Re: [Trad. IRA to 401k to Backdoor Roth]

Bumping for visibility in the hopes that someone can let me know if the 8606 for 2015 should have been filled out differently. Wouldn’t this person be subjecting themself to the pro rata rule because they still had assists in a tIRA at the end of 2015?

Thanks.
by Compound
Sun Oct 08, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: [Trad. IRA to 401k to Backdoor Roth]
Replies: 14
Views: 996

Re: [Trad. IRA to 401k to Backdoor Roth]

[Moved into a stand-alone thread from: IRA to 401k and then backdoor roth? --admin LadyGeek] I discovered Bogleheads a month ago and have been an avid reader since then. Needless to say but I am amazed by the collective intellect of Bogleheads. This is my first post so please pardon any ignorance. ...
by Compound
Fri Oct 06, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Too much house? (nervous 1st time buyer)
Replies: 57
Views: 3958

Re: Too much house? (nervous 1st time buyer)

If you really want the house right now, seems you have the finances to do it. Like others are saying, the future you envision with a potential spouse shouldn’t really apply to your present situation, except to say that the spouse may not want to live there. If you’re set on buying a place now, I’d s...
by Compound
Thu Oct 05, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: Creating a 3 Fund Portfolio??
Replies: 5
Views: 1046

Re: Creating a 3 Fund Portfolio??

To address your main question, I’d say yes you have chosen good options to create a three fund portfolio in taxable. Hopefully others will come along and add opinions and address your other more specific questions.
by Compound
Thu Oct 05, 2017 7:42 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11054

Re: Millionaire Next Door (Thank you Bogleheads)

Well done and well said. Congratulations on passing the milestone you set so many years ago! :beer
by Compound
Mon Oct 02, 2017 1:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4040

Re: Retirement Class of 1998 (Sheepdog's Experience)

Beautiful post. Thank you for sharing.
by Compound
Fri Sep 22, 2017 5:49 am
Forum: Investing - Theory, News & General
Topic: AA if you were just starting out again
Replies: 49
Views: 3679

Re: AA if you were just starting out again

I found this prompt amusing for my situation. When I started out investing I had no idea what an asset allocation even was. When I first became eligible for a 401k and started contributing to it, I picked funds largely based on what sounded good at the time without any thought as to a comprehensive ...
by Compound
Sat Sep 16, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Guidance on Index Investing
Replies: 3
Views: 538

Re: Guidance on Index Investing

Without more specific details it is a bit challenging to comment on your situation. With that caveat in mind, I like all of the things you have planned: contribution to Roth into same fund to lower ER, start taxable investing (assuming all tax advantaged space is filled), and choosing a tax efficien...
by Compound
Sat Sep 16, 2017 6:00 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Critique
Replies: 4
Views: 538

Re: Portfolio Critique

I'm sure others will come along to address your other questions, but I wanted to comment on one minor point. How about adjusting your portfolio to put essentially all of your bond allocation into your old 401k? It has the lowest ER (by far) of the funds you listed. You could then adjust with holding...
by Compound
Sat Sep 16, 2017 5:33 am
Forum: Investing - Help with Personal Investments
Topic: New employer's 401k and other questions
Replies: 10
Views: 933

Re: New employer's 401k and other questions

Consider using the S&P 500 fund and/or the total bond fund in your 401k. Their expense ratios are as good as you will get within your plan, the funds are analogous to what you already have in other accounts, and funds of these types are commonly used building blocks of many Bogleheads.
by Compound
Thu Aug 31, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One -- Again!
Replies: 53
Views: 9142

Re: Capital One -- Again!

If you are not happy, "vote with your feet". There are plenty of other banks. I recently voted with my feet against CO360 due to the differential in interest rate with other online savings banks. Should have done it much sooner. (And I agree with others that the new interface is unpleasant to work ...
by Compound
Tue Aug 29, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Go 100% Into Stocks?
Replies: 24
Views: 2166

Re: Should I Go 100% Into Stocks?

How long have you been invested in the balanced fund? Have you experienced a significant market downturn previously? If there isn't a strong need to take the additional risk of more stock exposure, why make such a big jump (from 60:40 to 100:0)?
by Compound
Tue Aug 29, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor or Pay Down Loans?
Replies: 20
Views: 1338

Re: Mega Backdoor or Pay Down Loans?

Considering there aren't large financial ramifications between your various options (aka they are all good), consider doing the following: first earn your freedom (option 1), then earn your retirement (max mega backdoor).
by Compound
Thu Jul 27, 2017 9:39 pm
Forum: Investing - Help with Personal Investments
Topic: windfall upon job change
Replies: 10
Views: 1631

Re: windfall upon job change

Welcome to the forum! Do you have a goal in mind as to how much you need to "retire" in 5-10 years? My guess it's substantially more than where you stand right now. If that's the case, I'd add this money to the investment pool at your target asset allocation and keep plugging away. If you think ther...
by Compound
Fri Jul 21, 2017 6:25 am
Forum: Personal Finance (Not Investing)
Topic: Chipping away at the mortgage
Replies: 48
Views: 9682

Re: Chipping away at the mortgage

Thanks for all the replies/input. Sunny_socal, I didn't think there is anything such as a true "no-cost" refi. Sure, I could get one with no point fees, but I will always have to still pay the appraisal, processing, origination, or any other baloney fees. So, there is always some fee. Nothing is fr...
by Compound
Sat Jul 08, 2017 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Paying off loan or not
Replies: 10
Views: 1087

Re: Paying off loan or not

Who did you get the quote from? Sofi? DRB? Others?

Have you started the job yet? If not, maybe you'd get a better rate once the paycheck materializes (probably worth asking the lender about).
by Compound
Sat Jul 08, 2017 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Financial check up/Am I ready to buy a house?
Replies: 12
Views: 942

Re: Financial check up/Am I ready to buy a house?

I'd pay off the 6% student loans tomorrow. Then replenish (and supersede) emergency fund and down payment fund. Of course, continue to contribute to 401k and Roth IRA along the way. In my view, you're close to getting into the starter house you desire, but it's a stretch right now.
by Compound
Fri Jul 07, 2017 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off loan or not
Replies: 10
Views: 1087

Re: Paying off loan or not

Neither of those interest rates are appealing. What type of loan is this? That said, the ten year loan is unquestionably the lesser of the two evils, assuming you can swing the monthly payment.
by Compound
Sat Jul 01, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Late start to retirement planning
Replies: 4
Views: 554

Re: Late start to retirement planning

What is your marginal tax bracket? Do you expect it to change in retirement?
by Compound
Fri Jun 30, 2017 7:18 pm
Forum: Investing - Theory, News & General
Topic: Good Article on Bubbles and Staying the Course
Replies: 27
Views: 3524

Re: Good Article on Bubbles and Staying the Course

This is the best explanation of asset bubbles that I have ever read. We should get permission from the author and have this posted in the Wiki. Totally agreed. I started to read this article distractedly, then paid more attention, and then realized that the author is really onto something, and that...
by Compound
Tue Jun 27, 2017 5:03 am
Forum: Personal Finance (Not Investing)
Topic: 47 Single - Never Married - No kids - Diabetes - Retirement
Replies: 17
Views: 3377

Re: 47 Single - Never Married - No kids - Diabetes - Retirement

I'd suggest using 40k from your emergency fund to eliminate that >9% personal loan today! Yes, keep maxing 401k. You will need the money at some point for something whether it be for fun or medical expenses in retirement.
by Compound
Wed Jun 14, 2017 10:30 pm
Forum: Investing - Theory, News & General
Topic: Utah 529 plan changing age-based glide paths
Replies: 14
Views: 1391

Re: Utah 529 plan changing age-based glide paths

Thanks for the replies everyone. I'm a bit surprised by the responses. I had thought people would generally be conservative with their 529s, but based on the responses so far that assumption appears misguided. I suppose I let my personal situation (maybe my family has less ability to take risk than ...
by Compound
Wed Jun 14, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: Utah 529 plan changing age-based glide paths
Replies: 14
Views: 1391

Re: Utah 529 plan changing age-based glide paths

I'm in a custom plan anyway because I don't find the age based ones aggressive enough. Thanks for the comment. Could you elaborate on what you think would be a more appropriate asset allocation within a 529? Would you share the glide path you're using? My concern is that too aggressive a glide path...
by Compound
Wed Jun 14, 2017 11:39 am
Forum: Investing - Theory, News & General
Topic: Utah 529 plan changing age-based glide paths
Replies: 14
Views: 1391

Re: Utah 529 plan changing age-based glide paths

Spirit Rider wrote:There is less risk with a nominal amount of equities. After all, they are only leaving 10% in equities during college years. Not exactly earth-shattering.
Thanks for the comment. Can you explain what you mean by less risk with adding a nominal amount of equities?
by Compound
Tue Jun 13, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: Utah 529 plan changing age-based glide paths
Replies: 14
Views: 1391

Utah 529 plan changing age-based glide paths

The Utah Educational Savings Plan (the 529 plan) is changing the structure and mix of their age-based investment options (please see link below for changes). While I'm in favor of the glide path smoothing that comes with this change, I'm concerned that they've also made the underlying investment mix...
by Compound
Mon May 15, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: Scolded by my adviser at F******* ! [Fidelity]
Replies: 23
Views: 4206

Re: Scolded by my adviser at F******* !

If your agent truly "scolded" you -- then boo on him/her! I would not wait for another survey -- this inexcusable behavior mandates, in my worldview, direct communication with a higher up. Don't stand for this! That said, I can relate. We get surveyed like this in my work. Its demoralizing...
by Compound
Fri May 05, 2017 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Job Decision
Replies: 53
Views: 4268

Re: Job Decision

I see no reason to accept the job at ~35% below market. Assuming you have enough liquid assets (and can hopefully collect unemployment/severance to help bridge the gap), start looking for a new job you will find fulfilling. As you've suggested, that new job may be in another geographic area. Best of...
by Compound
Tue Apr 18, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: 29 Year Old Needs Help Cutting Fees (Conservative Investor)
Replies: 13
Views: 1054

Re: 29 Year Old Needs Help Cutting Fees (Conservative Investor)

Hi everyone. I am 29 years old and am looking into optimizing my asset allocation. I am switching to a less stable job that has more upside potential so I am looking to make my portfolio more conservative to counterbalance that. I have an emergency fund with 1-2 years worth of expenses in cash and ...
by Compound
Sat Apr 15, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off debt or fund retirement accounts?
Replies: 23
Views: 1881

Re: Pay off debt or fund retirement accounts?

I have roughly 1k in my TSP as of now… should I cancel my monthly payments into that account and use that $304 and combine it with my other savings and pay off the car/bad debt even faster? Or should I continue to contribute to the TSP account? Since you aren't getting a match (as a member of the r...
by Compound
Sat Apr 15, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Physician using Turbotax, owing 30K so far already...
Replies: 65
Views: 7663

Re: Physician using Turbotax, owing 30K so far already...

As someone else pointed out, due to the safe harbor rule you won't have any penalty (given what you stated). 30k on $510k of income is not that much really. Just adjust your withholding for this year going forward. That is easier than making estimated payments. The easiest thing to do (if you expec...
by Compound
Fri Mar 10, 2017 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Payoff Student Loans Early? Requesting help.
Replies: 14
Views: 983

Re: Payoff Student Loans Early? Requesting help.

Another vote for option 4. Since you have enough Roth contributions to cover the loss of emergency funds, your effective emergency fund is currently in the 11-12 month range. Reducing that to 5-6 months makes a lot of sense to dismiss the high interest rate loan.
by Compound
Fri Mar 10, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Where to go from here? Paid off Student Loan.
Replies: 5
Views: 839

Re: Where to go from here? Paid off Student Loan.

Congratulations on paying off the student loans!

I agree that it makes sense to get going on taxable investing.

How about refinancing that 15 year mortgage? Seems like you could easily lower the interest rate.
by Compound
Sat Feb 25, 2017 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Windfall and Student Loan Pay-off/Pay-down Plan
Replies: 10
Views: 1337

Re: Windfall and Student Loan Pay-off/Pay-down Plan

I like your plan. Get rid of the high interest loans first, then pay off as much of the rest as you can. There should only be a little bit left to refinance/pay off.
by Compound
Sat Feb 25, 2017 6:49 am
Forum: Investing - Theory, News & General
Topic: Please vote on the wisest decision
Replies: 50
Views: 3867

Re: Please vote on the wisest decision

Max Roth IRA. Remainder to 401k. S&P500 fund in 401k. Use Roth space to buy lower cost bond/international funds until you've met your desired asset allocation.
by Compound
Sat Feb 25, 2017 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Check Your Beneficiaries!
Replies: 56
Views: 5987

Re: Check Your Beneficiaries!

This is a good reminder. Perhaps it would be worthwhile adding a "check beneficiaries (in the event of any life changes)" section to our IPSs, since many people look at their IPS frequently. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=212058&newpost=3254918 That simple add...
by Compound
Fri Feb 24, 2017 7:11 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 8526

Re: Which puppy to buy: golden retriever or labrador retriever?

A PET'S TEN COMMANDMENTS 1. My life is likely to last 10-15 years. Any separation from you is likely to be painful. 2. Give me time to understand what you want of me. 3. Place your trust in me. It is crucial for my well-being. 4. Don't be angry with me for long and don't lock me up as punishment. Y...
by Compound
Sat Feb 18, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing, [21 years old]
Replies: 14
Views: 992

Re: New to Investing, [21 years old]

Welcome to the forum and congratulations on the early start to your investing future. I'd keep your money parked in the target retirement fund. Its a great place to park your money at the start. Once you've gotten enough assets in your Roth to qualify for admiral shares, then I'd consider making som...
by Compound
Thu Feb 16, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: How am I doing?
Replies: 29
Views: 3766

Re: How am I doing?

I agree with alec's comments.

Additionally, is your rollover a traditional IRA? Just mentioning it because these funds would be subject to the pro rata rule for completing a backdoor Roth.
by Compound
Tue Feb 14, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan early or contribute to Roth IRA(s)?
Replies: 24
Views: 1984

Re: Pay off car loan early or contribute to Roth IRA(s)?

Roth IRA contributions, for sure. Why not redirect the $500/month going to taxable into beefing up your emergency/Roth IRA contribution fund while you're at it? Once you've gotten that fund to where it needs to be, then go back to adding to the taxable account.
by Compound
Mon Feb 13, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie
Replies: 5
Views: 483

Re: Newbie

Welcome to the forum! :beer
by Compound
Mon Feb 13, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Roth allocation help
Replies: 1
Views: 198

Re: Roth allocation help

It may make sense to put bonds in your Roth to benefit from a much lower ER. In doing so, you would exchange Pimco Total Return A for Great West S&P500 in the 401k account to get to your target asset allocation. You could setup your Roth at Vanguard and buy the Total Bond Market Index fund for m...
by Compound
Mon Feb 13, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie to taxable investing: highest tax bracket in California, with pension, and real estate
Replies: 6
Views: 812

Re: Newbie to taxable investing: highest tax bracket in California, with pension, and real estate

Since you're investing for the next generation with a long time horizon, decades presumably, and in the highest tax bracket, consider putting your taxable investments in Vanguard Tax Managed Capital Appreciation Fund. m I would definitely not put 80% in Berkshire, as you've proposed. Although it's ...
by Compound
Mon Feb 13, 2017 3:55 am
Forum: Investing - Help with Personal Investments
Topic: Newbie to taxable investing: highest tax bracket in California, with pension, and real estate
Replies: 6
Views: 812

Re: Newbie to taxable investing: highest tax bracket in California, with pension, and real estate

Since you're investing for the next generation with a long time horizon, decades presumably, and in the highest tax bracket, consider putting your taxable investments in Vanguard Tax Managed Capital Appreciation Fund. m I would definitely not put 80% in Berkshire, as you've proposed. Although it's a...
by Compound
Mon Feb 13, 2017 3:43 am
Forum: Investing - Help with Personal Investments
Topic: Fearful Investor and Close to Retirement
Replies: 77
Views: 10894

Re: Fearful Investor and Close to Retirement

Based upon the numbers you provided, it seems like you will have your expected expenses covered by your pension/social security if you wait to retire until you're 65 (depending upon your tax situation). For your investments, your thought of a target retirement funds is reasonable. An alternative to ...
by Compound
Mon Feb 13, 2017 3:25 am
Forum: Investing - Help with Personal Investments
Topic: Really need rebalance advice.
Replies: 11
Views: 1257

Re: Really need rebalance advice.

You have some asset location issues. For example, REIT funds are tax inefficient and are thus not typically purchased in taxable accounts. m Before shifting things around, you need to understand the tax implications. What is the potential tax hit to selling your current taxable assets? Are there gai...
by Compound
Mon Feb 13, 2017 3:18 am
Forum: Investing - Help with Personal Investments
Topic: Questions. [Help with investing]
Replies: 4
Views: 393

Re: Questions. [Help with investing]

An excellent concise primer on investing, which contains additional suggested readings in it to expand the reader's knowledge, can be found here:

https://www.etf.com/docs/IfYouCan.pdf

(You can print it out if you want a "book" form to read.)
by Compound
Mon Feb 13, 2017 3:11 am
Forum: Investing - Help with Personal Investments
Topic: 2025 and let it ride or modify?
Replies: 12
Views: 1365

Re: 2025 and let it ride or modify?

Sounds like you're interested in scaling back risk in your asset allocation. Instead of buying Wellesley, why not determine the asset allocation you'd be most comfortable with (maybe 50/50 stock/bond given what your wrote?), selling TR2025, and then buying appropriate amounts of the underlying funds...