Search found 16 matches

by thedeadlybishop
Fri Oct 06, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 289291

Re: What are you up YTD? [Year To Date]

15.22% based on NAV for 100% equities with value tilt and 30% ex-US
by thedeadlybishop
Wed Jul 26, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Lincoln Investments "Participant Directed Platform"
Replies: 42
Views: 5502

Re: Lincoln Investments "Participant Directed Platform"

First off, a big thanks to this thread. My wife is starting this fall as a teacher in Illinois. Lincoln and Fidelity are the only reasonable options for her 403b/457b. It took quite a few phone calls and back and forth on email to finally get to someone who knew about the Participant Directed Platfo...
by thedeadlybishop
Wed Mar 08, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Traveling to Japan
Replies: 37
Views: 4521

Re: Traveling to Japan

Just to add to the already good suggestions above Free wifi is everywhere in Japan (almost all convenience stores, fast food place etc.) so unless you are heading out of the major cities you won't need a sim card. The limo bus is almost always faster from Narita to your hotel and you dont have to mo...
by thedeadlybishop
Fri Feb 03, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check - Considering using Personal Capital or Vanguard Personal Advisor
Replies: 22
Views: 3471

Re: Portfolio Check - Considering using Personal Capital or Vanguard Personal Advisor

[/quote] I'm sure there are other funds that I can choose from but I'm not sure how many. Am I able to move the money from one 403b fund into another without any penalty?[/quote] This depends on the 403b administrator. Many of them do have a penalty of like $75 or something like that. It is probably...
by thedeadlybishop
Fri Feb 03, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Check - Considering using Personal Capital or Vanguard Personal Advisor
Replies: 22
Views: 3471

Re: Portfolio Check - Considering using Personal Capital or Vanguard Personal Advisor

I think the first step is to determine what 403b options are available in your district. This will determine whether you should stay will your current provider or move to something better. You can find the options offered by the various IL public school districts at the TSA site (not sure how helpfu...
by thedeadlybishop
Fri Apr 17, 2015 2:11 am
Forum: Investing - Help with Personal Investments
Topic: yea or nay to 5 years CDs
Replies: 21
Views: 3454

Re: yea or nay to 5 years CDs

If you do choose to go with Ally, they have 2 and 4 year CDs Raise Your Rate CDs. You can adjust the rate once for the 2 year and two times for the 4 year. That would give you some extra flexibility if you are concerned about interest rates going up. I am in the process of building a 4 year ladder w...
by thedeadlybishop
Tue Apr 14, 2015 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Foreign assignment Considerations
Replies: 10
Views: 1114

Re: Foreign assignment Considerations

I am currently coming to the end of a 3 year stint in Japan so will share my experience based on your questions. I am writing to see if other people have had experience with assignments outside of the US. 1. What has been people's experience regarding managing retirement contributions (e.g. 401k, IR...
by thedeadlybishop
Wed Dec 10, 2014 3:06 am
Forum: Personal Finance (Not Investing)
Topic: Leaving my job. Moving to Shanghai. Help with finances!
Replies: 24
Views: 3731

Re: Leaving my job. Moving to Shanghai. Help with finances!

Completely ethical for you to want the bonus you earned. I would warn you about telling notifying your work prior to the bonus being paid. I left a job before the bonus was paid out and although I received a bonus I was given the low amount in the range. If you are going to stay in China for the who...
by thedeadlybishop
Thu Dec 04, 2014 2:41 am
Forum: Personal Consumer Issues
Topic: GMAT prep
Replies: 28
Views: 2940

Re: GMAT prep

I took the GMAT in Fall 2011 and I dont envy you starting that journey. However, it was worth taking the time to study. I'll echo what a lot of others have said above. - Would recommend taking a practice test by the test makers to get your bearings. - Then buy the Manhattan books for the subjects yo...
by thedeadlybishop
Wed Nov 19, 2014 1:46 am
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 418
Views: 146034

Re: The Mega Backdoor Roth IRA

"When you take a plan withdrawal, you may not specify the source of the funds. Except for any post-tax contributions you may have made before 1987, the IRS does not permit you to only withdraw your post-tax (which are non-taxable) contributions. You will always have to withdraw some taxable in...
by thedeadlybishop
Wed Nov 19, 2014 1:18 am
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 400
Views: 81417

Re: VBS upgrade roll out has started

I would like to know, for anyone on the new system, have you tried to do a Traditional to Roth IRA conversion? Usually this can be done online with an exchange, eliminating the need to snail mail a form. I would love to know if anyone has tried doing it with the new system? I recently went through ...
by thedeadlybishop
Thu Sep 25, 2014 2:19 am
Forum: Personal Finance (Not Investing)
Topic: The Mega Backdoor Roth IRA
Replies: 418
Views: 146034

Re: The Mega Backdoor Roth IRA

I work for a Mega-Accounting-Corp and I thought the language from their 401k plan might be useful. The plan allows after tax contributions and also non-hardship withdrawals. However, it will not let me just move after tax money in a withdrawal. "When you take a plan withdrawal, you may not spec...
by thedeadlybishop
Tue Sep 23, 2014 9:25 pm
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 71
Views: 8524

Re: Why I sold my gold, and would sell commodities too

Am waiting to buy a small portion of GLD myself, hopefully on a price dip No more than (and probably less than) 5% of my portfolio. I'm not looking at the price movement of gold over any period of time as a rationale, but as a crisis 'if the s*** hits the fan' portfolio insurance. I would recommend...
by thedeadlybishop
Mon Sep 22, 2014 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Tax implication of backdoor Roth IRA conversio
Replies: 7
Views: 681

Re: Tax implication of backdoor Roth IRA conversio

Now, how you managed to make only $371 on $10,500 over the last two years when the market increased over 50% may be a more interesting question. My 2012 contribution was used to purchase equal parts gold ETF (IAU) and an emerging market value fund (AEMGX) Made some good purchases with the 2013 cont...
by thedeadlybishop
Mon Sep 22, 2014 4:52 am
Forum: Investing - Theory, News & General
Topic: Yen almost @ 109 to the dollar
Replies: 19
Views: 2659

Re: Yen almost @ 109 to the dollar

The JP government would like the yen to weaken to help exports but that has yet to help improve the lot of the country's major exporters. Many of them moved their production to lower cost countries (Thailand, China, etc) over the years and increased their supply chain diversification after the suppl...
by thedeadlybishop
Mon Sep 22, 2014 3:08 am
Forum: Investing - Help with Personal Investments
Topic: Tax implication of backdoor Roth IRA conversio
Replies: 7
Views: 681

Tax implication of backdoor Roth IRA conversio

I only recently learned of the backdoor Roth IRA conversion option . I understand the mechanics of the process but would appreciate any help in figuring out if this is the right course of action for my circumstances. Pertinent personal facts Age: 30 Married, no kids Household income $200,000 2012 &a...