Search found 193 matches

by namenloseblonde
Thu Jul 26, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 316
Views: 87798

Re: My New Car Buying Tips

. Anyway, the offer I am shopping around right now, which is about 10% below MSRP, has met with quite a bit of resistance. I've taken it to five dealers and all of them have said they can't beat or match it, You might try shopping that offer again on the 29th or 30th. Depending on how desperate the...
by namenloseblonde
Tue Jul 24, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 316
Views: 87798

Re: My New Car Buying Tips

To help do an apple to orange comparison with differing MSRP of the same vehicle, go to Costo car buying site to figure out what MSRP costs of each options is. Actually, finding out the MSRP has been the easiest part of the process - dealers are more than happy to send you the window sticker for an...
by namenloseblonde
Mon Jul 23, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 316
Views: 87798

Re: My New Car Buying Tips

My suggestion would be to skim through the thread. All of your questions are answered , but to recap TrueCar and msrp and invoice are useless as reference points. Also a key part of my guide is to check each dealer's inventory and only negotiate with dealers that have the car you want in their inve...
by namenloseblonde
Fri Jul 20, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 316
Views: 87798

Re: My New Car Buying Tips

Honestly, you might need to be more flexible on the car you want. I would check the inventories of many of the dealers you mentioned and see what is close, unfortunately, that is a lot of work. Yes, the fact that there are so few cars built to the specs we prefer is definitely a problem. The third ...
by namenloseblonde
Thu Jul 19, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 316
Views: 87798

Re: My New Car Buying Tips

Well, I'm running into a snag now that I've started shopping my best quote around. There are six dealers who are quoting the same VIN (the one who actually has the car on their lot is the farthest from my home, so not my preferred dealer). The dealer in possession and three others have quoted the EX...
by namenloseblonde
Mon Jul 16, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 316
Views: 87798

Re: My New Car Buying Tips

I started my email campaign this morning so I thought I'd share my preliminary results! I sent the following email to about 35 dealers (through their "Contact Us" form on their website, with 555-555-5555 for the phone number) within a 75 mile radius of my home: I am in the market for a XXX and would...
by namenloseblonde
Sun Jul 15, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 316
Views: 87798

Re: My New Car Buying Tips

Denovo, thanks for starting this fabulous thread and sharing your secrets. I am planning to start the emailing process tomorrow and I have a couple of questions for you or the other experts on this thread. We are in the market for a 2018 Ford Explorer, and Ford is running a number of published incen...
by namenloseblonde
Fri Jul 22, 2016 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Message removed.
Replies: 72
Views: 8836

Re: Another Too-Much-House Thread....

Very interesting to read all the responses here about how much house is too much house for two people. DH and I (late 30s-early 40s) have been living in 700SF for a decade, and we're finally upgrading to 2000SF with an additional 1000SF of finished attic. I was worried it would be too much house, bu...
by namenloseblonde
Sun Jun 19, 2016 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Fair to the kids, help educate the grandkids?
Replies: 26
Views: 3334

Re: Fair to thr kids, help educate the grandkids?

jackholloway wrote:My parents split every between the kids, but offered us a choice between a check to us or a check to the grandkids/529/school. It was clear to us both that the check would be the same, but the to line would be different.
This seems like a very fair way to do it.
by namenloseblonde
Sat Jun 18, 2016 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Liking the new Citi CC at Costco
Replies: 204
Views: 43657

Re: Liking the new Citi CC at Costco

I got mine a couple of days ago. I like the rewards, just wish groceries had gotten a bump as well. I already possess a Blue Cash Everyday card from Amex, though, which I believe is now offering 3% on groceries, so I may switch to that one at the grocery store.
by namenloseblonde
Fri Jun 17, 2016 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Cashing out taxable to max tax-advantaged - cons I'm not seeing?
Replies: 18
Views: 1846

Re: Cashing out taxable to max tax-advantaged - cons I'm not seeing?

Don't do it, or at least limit how much you do it. You want to be tax diversified. That is, there is value to having money in tax deferred, tax exempt, and taxable accounts. It sounds like your new house has increased your expenses, decreasing your savings rate. That means you are now at greater ri...
by namenloseblonde
Fri Jun 17, 2016 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Cashing out taxable to max tax-advantaged - cons I'm not seeing?
Replies: 18
Views: 1846

Re: Cashing out taxable to max tax-advantaged - cons I'm not seeing?

Thought you had $65k? You don't like having equity tied up,.... but you bought a house that made it so you couldn't continue the same savings rate as before? Is one or the other any better there... True, even $65k may not lower the monthly payment that much depending on what price of the home we're...
by namenloseblonde
Thu Jun 16, 2016 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Cashing out taxable to max tax-advantaged - cons I'm not seeing?
Replies: 18
Views: 1846

Re: Cashing out taxable to max tax-advantaged - cons I'm not seeing?

You say buying... as in this isn't a done deal yet? Are you sure you don't need it for the down payment? Almost done. We are under contract, so we know how much we need for the DP and approximate closing costs. We don't need the mutual fund cash for either. Putting an additional 25K down wouldn't r...
by namenloseblonde
Thu Jun 16, 2016 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Cashing out taxable to max tax-advantaged - cons I'm not seeing?
Replies: 18
Views: 1846

Re: Cashing out taxable to max tax-advantaged - cons I'm not seeing?

Appears to be a good idea. Can't think of any likely major problem. We did something similar and it worked out well. If you plan to retire early, do you expect to have enough in taxable and Roth to last until you can start withdrawing traditional funds without penalty? No plans to retire early at t...
by namenloseblonde
Thu Jun 16, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Cashing out taxable to max tax-advantaged - cons I'm not seeing?
Replies: 18
Views: 1846

Re: Cashing out taxable to max tax-advantaged - cons I'm not seeing?

I don't believe you can contribute taxed money to a 401K but please let me know if I'm wrong. I think your only option is to build IRAs which have smaller yearly limits. No, but one can spend the taxable money while increasing the payroll deductions for contributions to the 401(k)s. Yes, this is th...
by namenloseblonde
Thu Jun 16, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Cashing out taxable to max tax-advantaged - cons I'm not seeing?
Replies: 18
Views: 1846

Re: Cashing out taxable to max tax-advantaged - cons I'm not seeing?

A few things come to mind: 0. I assume that the 401(k) plans are decent. 1. If you have been reinvesting dividends, stop. 2. Watch out for wash sales. Tax law is clear on the case where you sell Fund X at a loss in taxable and repurchase Fund X in an IRA within 30 days--that's a wash. Tax law is si...
by namenloseblonde
Thu Jun 16, 2016 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Cashing out taxable to max tax-advantaged - cons I'm not seeing?
Replies: 18
Views: 1846

Cashing out taxable to max tax-advantaged - cons I'm not seeing?

Hello Bogleheads! DH and I are buying a house and have been reassessing our investments due to the changes in our budget that the house will bring. We currently max 401K and Roth for each of us, but it looks as though we might not be able to save quite so aggressively with the new mortgage, higher p...
by namenloseblonde
Fri Jun 10, 2016 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Received $30k inheritance. I need advice on entry timing.
Replies: 27
Views: 3730

Re: Received $30k inheritance. I need advice on entry timing.

I like the Roth IRA because I'm in a low tax bracket right now, and I plan (hope) to be in a higher one by the time I retire. I also really like that you can withdraw the principle without penalty, as it's possible I'll someday want to use those funds for a business venture, house down payment, etc...
by namenloseblonde
Thu Jun 09, 2016 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Received $30k inheritance. I need advice on entry timing.
Replies: 27
Views: 3730

Re: Received $30k inheritance. I need advice on entry timing.

If I had a ROTH IRA and maxed it out with the $5,500 every year, would I still be able to contribute to a Solo 401k? I was under the impression that $5,500 was the limit across either type of account (but I'm not very knowledgeable on the matter!) There are separate limits for IRAs and employer pla...
by namenloseblonde
Thu Jun 09, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with my Personal Investment and new IRA account at Vanguard
Replies: 15
Views: 1137

Re: Need help with my Personal Investment and new IRA account at Vanguard

All accounts are taxable. There are no losses to offset the gains, but even if I withdraw everything then the total capital gain would be around $375. I am not saying that it's little money but it still gives me a chance to start fresh with Vanguard and consolidate everything if I want to. I would ...
by namenloseblonde
Thu Jun 09, 2016 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with my Personal Investment and new IRA account at Vanguard
Replies: 15
Views: 1137

Re: Need help with my Personal Investment and new IRA account at Vanguard

$2600 with Acorns , $9000 with WiseBanyan , $1300 with Loyal3 and around, $15500 with TSP . Are the Acorns, WiseBanyan and Loyal3 accounts all taxable? If so, will you realize a lot of capital gains when you sell? I see that you say you have a 2% gain in WiseBanyan - are there losses in the other a...
by namenloseblonde
Thu Jun 09, 2016 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Received $30k inheritance. I need advice on entry timing.
Replies: 27
Views: 3730

Re: Received $30k inheritance. I need advice on entry timing.

- 23 years old - Low expenses, no debt - $5k in cash savings/emergency fund - $5,500 in Roth IRA (just started last month - plan to continue maxing out each year) - Making ~$30k a year (in school) - Self employed, so no 401K or employer match - Moderate risk tolerance - Time horizon for funds: 5-10...
by namenloseblonde
Tue Jun 07, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Please scrutinize my retirement plan
Replies: 13
Views: 1590

Re: Please scrutinize my retirement plan

If you want to retire at 55, you will need investments outside of IRA and 401K if you want to avoid penalties. Age 59.5 is the earliest you can withdraw from those accounts penalty-free. The info pertaining to not being able to withdraw from your IRAs prior to 59.5 without penalty is largely incorr...
by namenloseblonde
Tue Jun 07, 2016 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Please scrutinize my retirement plan
Replies: 13
Views: 1590

Re: Please scrutinize my retirement plan

Hi, I am 30 years old, single, no kids. I want to have financial freedom/independence when I'm 55 or younger so I can pursue interests rather than a pay check. Assets: $20,000 cash $100,000 401K $80,000 Roth IRA Income: $87,000/year Debts: None liabilities: $300/month rent, cheap vehicle expenses, ...
by namenloseblonde
Mon Jun 06, 2016 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Free tool like Morningstar portfolio x-ray?
Replies: 37
Views: 12096

Re: Free tool like Morningstar portfolio x-ray?

livesoft wrote:Doesn't everybody use the M* portfolio X-ray for free through TRowePrice web site? Free TRowePrice registration required.
I didn't realize this allowed you to save your portfolio - I've been entering mine manually at the M* website. Thanks for the tip!
by namenloseblonde
Mon Jun 06, 2016 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of dumping REIT - thoughts?
Replies: 20
Views: 2806

Re: Thinking of dumping REIT - thoughts?

In life there are certain events that justify a change in investment strategy. Personally, in my IPS, the purchase of a bouse is an event that would trigger a review of the Asset Allocation and Fund Selection. My IPS also tells me then to wait 3 months between decision and execution. Regards, Agree...
by namenloseblonde
Sun Jun 05, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: How do you change your AA over time?
Replies: 39
Views: 4477

Re: How do you change your AA over time?

KlangFool wrote:
Please do not use the word: retirement. I prefer the words: Financially Independent.

KlangFool
I like it! 8-) :sharebeer :sharebeer
by namenloseblonde
Sun Jun 05, 2016 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: International Large Value
Replies: 10
Views: 1776

Re: International Large Value

Having read extensively on the topic (including Malkiel's book), I have decided to have a value tilt and am looking for a choice for international large value (ETF or mutual fund). What should I consider? I was looking at ILVU (.30% expense ratio, ishares). Was also considering FNDF (schwab interna...
by namenloseblonde
Sun Jun 05, 2016 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: How do you change your AA over time?
Replies: 39
Views: 4477

Re: How do you change your AA over time?

KlangFool wrote:
namenloseblonde,

It is based on my current annual expense. If I reaches my number earlier, I am financially independent. I could FIRE (Financially Independent Retired Early). I do not need to wait.

KlangFool
So for you, is 25X your current annual expenses your "magic" number for retirement?
by namenloseblonde
Sun Jun 05, 2016 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: How do you change your AA over time?
Replies: 39
Views: 4477

Re: How do you change your AA over time?

1) I do not adjust my AA based on age / time. 2) I adjust my AA based on my portfolio size. Let's assume my annual expense = X The following are an example of how I might adjust my AA from 70/30 to 60/40 Until 15X --> 70/30 20X -> 65/35 25X and above -> 60/40. Your AA should be based on your portfo...
by namenloseblonde
Sun Jun 05, 2016 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of dumping REIT - thoughts?
Replies: 20
Views: 2806

Re: Thinking of dumping REIT - thoughts?

clast wrote:This blogger jlcollinsnh talks about his decision to sell his REIT holdings here:

http://jlcollinsnh.com/2014/05/27/stock ... rom-reits/
Another good read - thanks!
by namenloseblonde
Sun Jun 05, 2016 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of dumping REIT - thoughts?
Replies: 20
Views: 2806

Re: Thinking of dumping REIT - thoughts?

Electron wrote:In September Standard & Poor's will be creating a new real estate sector within its classification system.

http://www.reuters.com/article/usa-stoc ... SL2N16O1IL
Thanks for this - very interesting article!
by namenloseblonde
Sun Jun 05, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of dumping REIT - thoughts?
Replies: 20
Views: 2806

Re: Thinking of dumping REIT - thoughts?

Some folks would sell the REIT at market highs and consider buying back in after they had gone down a bit. Although I'm not a market timer, I have noticed that VGSLX has been hovering near its all-time high. Since I'm thinking of getting rid of it entirely, perhaps this wouldn't be the worst time t...
by namenloseblonde
Sun Jun 05, 2016 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of dumping REIT - thoughts?
Replies: 20
Views: 2806

Thinking of dumping REIT - thoughts?

I have had an allocation to REIT (in Roth) since I started investing about 15 years ago. It has performed well over the years and I like the diversification benefit it provides. I used to hold 10% in REIT, but since my bond allocation has increased with age I have reduced it to 5%. I am considering ...
by namenloseblonde
Sun Jun 05, 2016 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with retirement
Replies: 13
Views: 2210

Re: What to do with retirement

I have been reading lots of comments here over the past few weeks. I am now more confused than ever about what to do with my retirement. I am retired at 68. Between my wife and I we have a total of 1M. That does not include our home worth about $350K. I currently have our retirement in three Vangiu...
by namenloseblonde
Sat Jun 04, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement plan review - seeking advice
Replies: 7
Views: 1461

Re: Retirement plan review - seeking advice

That's an interesting idea namenloseblonde. After my initial post I considered using the American cash out to fund Roth IRAs for the next two years. It didn't occur to me to use it to max 401s. However, I lean towards keeping them in taxable in vanguard because he is wanting to buy a retirement pro...
by namenloseblonde
Sat Jun 04, 2016 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds in taxable - cap gains and tax-efficiency?
Replies: 17
Views: 1902

Re: American Funds in taxable - cap gains and tax-efficiency?

Depending upon the numbers, it might work out in their favor to hold the tax-exempt bond fund until January, or at least until late in December when the end-of-year fine tuning moves are being made. Here's why: a) they're going to harvest gains in 2016 on the American funds anyway, ideally right up...
by namenloseblonde
Sat Jun 04, 2016 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Retirement plan review - seeking advice
Replies: 7
Views: 1461

Re: Retirement plan review - seeking advice

3. As our income increases and some expenses drop (like childcare), where should we next put our money - fully fund our 401k accounts or toward an IRA/Roth? If IRA/Roth, I would expect we would drop into the 25% tax bracket in retirement, but I think that a Roth IRA might give us some flexibility i...
by namenloseblonde
Sat Jun 04, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: American Funds in taxable - cap gains and tax-efficiency?
Replies: 17
Views: 1902

Re: American Funds in taxable - cap gains and tax-efficiency?

If they are taking Social Security and in the phase-in, their tax rate on capital gains is not zero, but 12.75%. Thus, it makes sense taking larger gains this year at 12.75% to avoid gains taxed at 12.75% in future years. As a side benefit, most married couples hit the top of the SS phase-in before...
by namenloseblonde
Fri Jun 03, 2016 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds in taxable - cap gains and tax-efficiency?
Replies: 17
Views: 1902

Re: American funds in taxable - cap gains and tax-efficiency?

American Funds' expense ratios are ridiculous. I am in the process of rolling my wife's Roth over to Vanguard for that very reason. The more posts like this I can show my mother, the better. The three American Funds I've earmarked as reasonably tax-efficient have expenses WAY higher than what I'd b...
by namenloseblonde
Fri Jun 03, 2016 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds in taxable - cap gains and tax-efficiency?
Replies: 17
Views: 1902

Re: American funds in taxable - cap gains and tax-efficiency?

Those expense ratios are high. I am stuck in a variable annuity until age 59 1/2 that I want to get OUT of because of high fees like those. Index funds have fees around 0.05% - 0.07%. There is simply no comparison. Believe me, I know. I have touted the benefits of index funds for years, and even th...
by namenloseblonde
Fri Jun 03, 2016 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds in taxable - cap gains and tax-efficiency?
Replies: 17
Views: 1902

Re: American funds in taxable - cap gains and tax-efficiency?

First they should stop reinvesting dividends and capital gains immediately if they haven't already. That will prevent a the situation from getting even worse. I faced the same situation with my one American Fund and finally decided to sell everything and take the hit. My tax bracket and gains were ...
by namenloseblonde
Fri Jun 03, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Advice - Challenge CFP Recommended Allocation?
Replies: 19
Views: 2102

Re: Asset Allocation Advice - Challenge CFP Recommended Allocation?

I like the small-cap and value-tilt for equities suggested by the CFP, but not the choices for fixed income funds. Indeed, I own most of the equity funds presented, but the ETF share class. I agree with livesoft - I too own most of the equity funds in your list. Those bond funds, though - there's n...
by namenloseblonde
Fri Jun 03, 2016 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds in taxable - cap gains and tax-efficiency?
Replies: 17
Views: 1902

American Funds in taxable - cap gains and tax-efficiency?

I have been helping my parents with their investments and they are planning to make some changes in their taxable account soon (dumping some terrible bonds and possibly making further changes to streamline and increase tax-efficiency). They are in the 15% tax bracket, so they can incur some capital ...
by namenloseblonde
Fri Jun 03, 2016 10:50 am
Forum: Investing - Help with Personal Investments
Topic: 401k asset allocation help
Replies: 11
Views: 1100

Re: 401k asset allocation help

Thanks everyone for the great suggestions. I can choose 2030 target year to get the desired ratios of funds. I can think of following pros and cons of that approach. Pros: It gives me the exact funds which I would like to have in my portfolio. Cons: I need to actively rebalance (potentially every y...
by namenloseblonde
Mon May 30, 2016 10:25 am
Forum: Investing - Help with Personal Investments
Topic: 401k asset allocation help
Replies: 11
Views: 1100

Re: 401k asset allocation help

You have some good choices available to you. Personally, I would narrow it down immediately by eliminating all of those funds with high ERs - here's the list from which I would choose: Name/Inception Date Gross Expense Ratio** "SPTN 500 INDEX ADV (FUSVX) 02/17/1988" 0.07% "VANG GROWTH IDX ADM (VIGAX...
by namenloseblonde
Mon May 30, 2016 8:13 am
Forum: Investing - Help with Personal Investments
Topic: 36 years old: investing advice
Replies: 3
Views: 755

Re: 36 years old: investing advice

] 2. We may upgrade home in 2-3 years. Home prices are really getting unreasonable around here, and I suspect that prices may soften, which will be good on the buying side. However, on the selling side, if prices soften, I am thinking to rent out my current home for 5-7 years (or longer) until pric...
by namenloseblonde
Sat May 28, 2016 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Bond funds - help deciphering!
Replies: 31
Views: 3002

Re: TIAA-CREF Bond funds - help deciphering!

Speaking of expenses, their version of CREF stock has an expense ratio of .49, which is high in comparison to some of the other funds in their plan. Is there any reason not to use a 70/30 split of TCEPX (which tracks the Russell 3000) and TRIPX (which tracks the MSCI EAFE index) to replicate CREF s...
by namenloseblonde
Sat May 28, 2016 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Bond funds - help deciphering!
Replies: 31
Views: 3002

Re: TIAA-CREF Bond funds - help deciphering!

Note: the parents can annuitize the remaining balance in the TPA and likely get a handsome monthly payout, percentage wise. I would advise you/them to at least inquire about this option before continuing with the no, no we'll never annuitize refrain. Having a nice "pension" payment hitting your che...
by namenloseblonde
Sat May 28, 2016 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA-CREF Bond funds - help deciphering!
Replies: 31
Views: 3002

Re: TIAA-CREF Bond funds - help deciphering!

"Up until this point, they have been taking their annual exit money from Traditional and putting it in CREF stock, then pulling their monthly income from there. They do this without paying any attention to their asset allocation, which is slowly but surely becoming MORE aggressive." This is alarmin...