Search found 1142 matches

by Tamarind
Mon Jul 16, 2018 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?
Replies: 45
Views: 2541

Re: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?

Instead of VTI (TSM) how about VT (Total World)? Then you can ignore the distinction between US and foreign income and own the whole haystack. Yes, I'm actually thinking of that. However, one thing I am wondering - won't having VT remove my advantage of buying low via rebalancing that I currently h...
by Tamarind
Mon Jul 16, 2018 6:29 am
Forum: Personal Finance (Not Investing)
Topic: For those of you who handle all the finances, how do you keep your spouse "in the know"
Replies: 107
Views: 13610

Re: For those of you who handle all the finances, how do you keep your spouse "in the know"

Wife is also a Boglehead and wouldn't have any problem taking over. But I do most of the daily and yearly maintenance work (ie adjusting withholding or telling her if a change in allocation of new 401k contributions is needed) because I enjoy minutia more. We have a shared Personal Capital account w...
by Tamarind
Mon Jul 16, 2018 6:25 am
Forum: Investing - Help with Personal Investments
Topic: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?
Replies: 45
Views: 2541

Re: Should I simplify my portfolio and switch from 3 fund to 2 fund portfolio?

Instead of VTI (TSM) how about VT (Total World)? Then you can ignore the distinction between US and foreign income and own the whole haystack.
by Tamarind
Mon Jul 16, 2018 5:04 am
Forum: Investing - Help with Personal Investments
Topic: Grade my portfolio please, newbie here
Replies: 9
Views: 964

Re: Grade my portfolio please, newbie here

You're off to a great start and your overall strategy is sound. Re: where to put your bonds, you are indeed balancing tax-free growth in the Roth 401k money against taxes on bond fund dividends in taxable. The traditional wisdom is to put bonds in tax-deferred accounts, and this is usually more impo...
by Tamarind
Sun Jul 15, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Cash out 401K
Replies: 15
Views: 2012

Re: Cash out 401K

The part time job beginning at age 66 (three years) will probably be about $800/month and social security at retirement 63.5 is $1525. I'm confused about this- SSA says delaying claiming SS until FRA age 66.5 increases to $1850 however if I retire at 63.5 and don't claim SS until age 66.5 ( live of...
by Tamarind
Sat Jul 14, 2018 8:25 am
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6382

Re: are mccormick gourmet spices better

Tdubs wrote:
Sat Jul 14, 2018 8:00 am
I find Penzy's over priced. Some of the mixes are interesting, but I buy from local ethnic markets. The price differences are astonishing.
This is fair and accurate.
by Tamarind
Sat Jul 14, 2018 7:26 am
Forum: Personal Consumer Issues
Topic: are mccormick gourmet spices better
Replies: 71
Views: 6382

Re: are mccormick gourmet spices better

Another recommendation for Penzey's: https://www.penzeys.com More generally, the best spices are whole spices that you grind yourself when needed. I keep a set of jars for spices purchased whole in quantities I can go through in a year or so. No clue what's up at McCormick, except that quality of a ...
by Tamarind
Fri Jul 13, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: One Fund During Retirement?
Replies: 10
Views: 1028

Re: One Fund During Retirement?

I like the idea of one fund in retirement. If you have taxable accounts it may be a little less tax efficient, but that may be more than offset by ease of use and peace of mind for you. However I would not choose Wellesley, because it is actively managed. I would suggest a LifeStrategy fund or a Tar...
by Tamarind
Fri Jul 13, 2018 6:45 am
Forum: Investing - Help with Personal Investments
Topic: When to start taxable?
Replies: 22
Views: 2202

Re: When to start taxable?

I contributed to my taxable nearly my entire working career, after maxing out my 401K. At one point I was sending a $1000 check per month to Fidelity for my taxable. My reasoning was that if I was going to retire early, I wanted to leave my tax-advantaged stuff alone until I was past age 59.5. This...
by Tamarind
Thu Jul 12, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to help parents "see the light" with index investing?
Replies: 17
Views: 1460

Re: How to help parents "see the light" with index investing?

I am actively engaged in helping my parents make retirement and investment plans. I concur that you should not engage. If they haven't asked you for help, and they don't need financial assistance, then you have no basis for weighing in. The most I would do is mention in passing conversation that you...
by Tamarind
Thu Jul 12, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Can't decline employer LTD policy. Should I buy up?
Replies: 9
Views: 1256

Re: Can't decline employer LTD policy. Should I buy up?

That's one of the benefits of having an individual policy - once the coverage is in force, the insurance company cannot change any terms of the policy. Thanks, so helpful! As I am looking at quotes with future increase options, it's clear they cannot require additional medical information or change...
by Tamarind
Thu Jul 12, 2018 6:04 am
Forum: Investing - Help with Personal Investments
Topic: When asking advice
Replies: 11
Views: 1689

Re: Pre-tax or after tax? Does it matter?

Thank you for all the feedback. :happy. I knew about index funds through reading Jack Bogle’s classic book on mutual funds. My work place retirement accounts take the money before taxes. Isn’t that the smarter way? So if I re-activate a retirement account that has much better fund options, isn’t th...
by Tamarind
Thu Jul 12, 2018 5:57 am
Forum: Personal Finance (Not Investing)
Topic: Keeping a checkbook register
Replies: 122
Views: 9727

Re: Keeping a checkbook

I'm very curious what reasons people continue to hand-write paper checks for property taxes, especially for those that are comfortable with online payments and/or billpay for their other bills. Is this a preference/habit thing? Enforced by your taxing authority? Are you aware your bank's billpay se...
by Tamarind
Wed Jul 11, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Received $1m windfall with additional upside; looking for feedback on plan to hedge against market correction
Replies: 44
Views: 7569

Re: Received $1m windfall with additional upside; looking for feedback on plan to hedge against market correction

OP, I think you're making this too complicated. You don't need an AUM advisor, or a complex hedging strategy. Pick an asset allocation that makes you feel safe. For you, (given that if things go well you'll have more money than you need and if things don't you have many years to earn, learn, and imp...
by Tamarind
Wed Jul 11, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) Asset Allocation for 23 Year Old
Replies: 10
Views: 658

Re: 401(k) Asset Allocation for 23 Year Old

If she hasn't already, she should open a Roth IRA and consider holding her bonds there.

100% equities are ok for someone this age, but 10-20% bonds might be better for someone who's never experienced a market downtown.
by Tamarind
Wed Jul 11, 2018 7:04 am
Forum: Personal Finance (Not Investing)
Topic: Can't decline employer LTD policy. Should I buy up?
Replies: 9
Views: 1256

Re: Can't decline employer LTD policy. Should I buy up?

OP - the amount you can qualify for on a supplemental policy is going to depend on your income. With your employer's coverage being 60% and taxable benefits, you should still qualify for a reasonable amount of coverage on an individual policy. You can include a Future Increase Option rider at addit...
by Tamarind
Wed Jul 11, 2018 6:08 am
Forum: Personal Finance (Not Investing)
Topic: Having first child - Life Insurance question
Replies: 37
Views: 2748

Re: Having first child - Life Insurance question

Congratulations! Get something simple that meets your needs so you can spend your time on your child instead of insurance shopping. Fixed term life fits the bill. For the amount, just ballpark how much money it would take to replace each person's earnings (and unpaid work!) until the child was grown...
by Tamarind
Wed Jul 11, 2018 6:02 am
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3660

Re: Any kayakers here?

peterinjapan wrote:
Wed Jul 11, 2018 3:07 am
This thread is making me seriously want to get a kayak.
You should seriously go to a demo day near you and paddle around. I promise you'll get hooked. Just wait and demo more before buying.
by Tamarind
Wed Jul 11, 2018 5:57 am
Forum: Personal Consumer Issues
Topic: Prepaid cell phone plan vs Regular Contract Plan
Replies: 29
Views: 2726

Re: Prepaid cell phone plan vs Regular Contract Plan

scooterdog wrote:
Tue Jul 10, 2018 12:29 pm
Others have already mentioned Cricket Wireless, they use AT&T towers, and $35 (including $5 discount for autopay) for 5GB is a great offer, and I've used them without any issue for several years now.
+1. OP, you can keep your network while saving $20/month and getting a better plan.
by Tamarind
Wed Jul 11, 2018 5:55 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 4950

Re: 30 Year vs 15 Year Mortgage

I agree the 30-year probably comes out ahead provided one invests the difference between monthly payments . I prefer a 15-year because I will have a paid off house when I'm 40. There's a lot of peace of mind there for me. I will also no longer be itemizing as of 2018 so home mortgage interest just g...
by Tamarind
Tue Jul 10, 2018 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Can't decline employer LTD policy. Should I buy up?
Replies: 9
Views: 1256

Can't decline employer LTD policy. Should I buy up?

First world problem here. My employer offers group LTD coverage at no cost to me. It's pretty decent as group plans go: 60% income replacement Own occupation for 2 years, any occupation to full retirement age Mental health disability only covered for 2 years My family situation, close relative's med...
by Tamarind
Tue Jul 10, 2018 5:48 am
Forum: Investing - Help with Personal Investments
Topic: Skillful at saving but not investing
Replies: 37
Views: 3915

Re: Skillful at saving but not investing

We'll get there together, OP. I'm still reading through your details, but some early thoughts: I concur with the poster above who said you should stop working soon unless it brings you joy and purpose. I believe Roth conversions could be very advantageous for you, since you could have an extended pe...
by Tamarind
Tue Jul 10, 2018 5:41 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4962

Re: Target date funds....unsophisticated?

Who cares if it works for you?
by Tamarind
Tue Jul 10, 2018 5:40 am
Forum: Investing - Help with Personal Investments
Topic: Big expense in 3 mo. Money now. Where to hide money?
Replies: 13
Views: 1615

Re: Big expense in 3 mo. Money now. Where to hide money?

If you just need a psychological cue to not spend it, how about opening a new HY savings account labeled with the thing you need it for.
by Tamarind
Tue Jul 10, 2018 5:28 am
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3660

Re: Any kayakers here?

How do you all haul your kayaks? I am thinking of buying a kayak trailer, but since $2000 or more, have been thinking about it for a while. Right now, we mainly kayak at Lake next to our house, but would be fun to do some exploring. On top of my Hyundai hatchback, where one of the boats is actually...
by Tamarind
Mon Jul 09, 2018 3:02 pm
Forum: Personal Consumer Issues
Topic: Any kayakers here?
Replies: 60
Views: 3660

Re: Any kayakers here?

Lake/ocean kayaker here, along w DW. We work too much to do a lot of long trips, but enjoy the local reservoir and the NC Outer Banks. We particularly enjoy paddling lazily through salt marshes on the coast to watch birds, stingrays, and other wildlife. Our longest trip was kayak camping for 10 days...
by Tamarind
Mon Jul 09, 2018 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2552

Re: E- Billing & Autopay

I find autopay to combine well with paperless. I like to put them on a CC for the points but bank draft is more commonly available with no extra fees and might be best if simplicity for a survivor is important.

I've never used bill pay or ebilling tools and don't find them useful.
by Tamarind
Mon Jul 09, 2018 5:27 am
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 6116

Re: Girls and investing

Thank you for all the thoughtful answer. What do YOU think could pique the young girl's mind? How would you incentivize the process to make it fun for them???? Let me suggest what worked for me: money. Most kids by that age understand that money is something that can get them things they want. If y...
by Tamarind
Fri Jul 06, 2018 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Left company, exercise vested options or not?
Replies: 11
Views: 762

Re: Left company, exercise vested options or not?

ETA that as I am posting I see you just posted some more detailed info about their financials and your equity math. I strongly advise you edit your post to remove that ASAP. I would bet that you signed a nondisclosure as party of qualifying for the options. Posting financial info here counts as pub...
by Tamarind
Fri Jul 06, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Left company, exercise vested options or not?
Replies: 11
Views: 762

Re: Left company, exercise vested options or not?

I just went through this process a couple of months ago, though my decision was for a bit more money. I was on good terms with the CFO so was able to get all the information I needed to calculate value...... It didn't really help me make the decision. Feel free to PM me if you want to chat in greate...
by Tamarind
Thu Jul 05, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Removing dead poison ivy
Replies: 24
Views: 1442

Re: Removing dead poison ivy

Agreed you should try to remove it once the leaves have dried up. Recent experience indicates the root doesn't always die. Unless you are highly sensitive (as some indeed are) poison ivy is really not bad to handle. I am ridiculously sloppy with it even while it's live and have only gotten a small r...
by Tamarind
Wed Jul 04, 2018 6:29 am
Forum: Investing - Theory, News & General
Topic: Does the ROTH IRA force us to rebalance in January?
Replies: 24
Views: 1557

Re: Does the ROTH IRA force us to rebalance in January?

AlohaJoe, Thanks for the analysis, although I think I'm not understanding it fully. Is it just me or does it ignore the existence of the (still invested) taxable account? What concerns me is the total ending values across all accounts, not just the Roth. Scenario #1: Pull funds from taxable Dec 31,...
by Tamarind
Wed Jul 04, 2018 6:17 am
Forum: Investing - Help with Personal Investments
Topic: Read Wiki still not sure on Lazy Portfolio for ROTH/Trad IRA
Replies: 5
Views: 526

Re: Read Wiki still not sure on Lazy Portfolio for ROTH/Trad IRA

Wow, those are REALLY good choices for a 401k. The small/mid cap is specifically a "completion" fund. For the percentage you want in Total Stock Market, use 80% of that large stock index and 20% of the small/mid cap to approximate. The international fund is also complete (in that it has developed an...
by Tamarind
Wed Jul 04, 2018 6:06 am
Forum: Personal Finance (Not Investing)
Topic: what is better Health care option for my son
Replies: 16
Views: 1372

Re: what is better Health care option for my son

I'd go with the PPO, but both seem like decent plans. If your son had no chronic medical conditions, the PPO is probably the best for him.
by Tamarind
Tue Jul 03, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: 33 year old- How am I doing?
Replies: 22
Views: 2286

Re: How am I doing?

It depends on your goals. Do you have a sense of when you would want to retire? How much do you hope to contribute to college for your kids? You have saved well. You clearly have your expenses under control. If you reduced donations you could probably be on track to retiring early OR covering colle...
by Tamarind
Tue Jul 03, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: 33 year old- How am I doing?
Replies: 22
Views: 2286

Re: How am I doing?

It depends on your goals. Do you have a sense of when you would want to retire? How much do you hope to contribute to college for your kids? You have saved well. You clearly have your expenses under control. If you reduced donations you could probably be on track to retiring early OR covering colleg...
by Tamarind
Tue Jul 03, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Does the ROTH IRA force us to rebalance in January?
Replies: 24
Views: 1557

Re: Does the ROTH IRA force us to rebalance in January?

Unless it's a very very large paycheck (so large that direct Roth contributions would probably not be an option), that person wouldn't be funding their Roth IRA all in a lump sum in early January. They'd be contributing from cash flow either each month or at at least for the first few paychecks. Wh...
by Tamarind
Tue Jul 03, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Does the ROTH IRA force us to rebalance in January?
Replies: 24
Views: 1557

Re: Does the ROTH IRA force us to rebalance in January?

Why not invest the money intended for Roth in your taxable account? When the contribution window opens, sell in taxable and contribute to buy in Roth. Now you are not rebalancing, just shifting investments between accounts. You could combine this with tax loss or gain harvesting in late December. F...
by Tamarind
Tue Jul 03, 2018 10:06 am
Forum: Investing - Theory, News & General
Topic: Does the ROTH IRA force us to rebalance in January?
Replies: 24
Views: 1557

Re: Does the ROTH IRA force us to rebalance in January?

If I have only gains in my taxable and I choose to sell there to move the money over to my Roth, am I realizing an unnecessary capital gain? Anybody who has money to contribute to a Roth at the first of the year has to be keeping that money somewhere. If it is under the mattress, then I can see why...
by Tamarind
Tue Jul 03, 2018 7:07 am
Forum: Investing - Theory, News & General
Topic: Does the ROTH IRA force us to rebalance in January?
Replies: 24
Views: 1557

Re: Does the ROTH IRA force us to rebalance in January?

Every year I make a Roth IRA contribution. Current research suggests that dollar cost averaging is not the best practice, so naturally the best time to invest this "sideline cash" is as early as possible, which is January. I actually disagree with your premise a bit, I think. The reason lump sum be...
by Tamarind
Tue Jul 03, 2018 6:48 am
Forum: Personal Finance (Not Investing)
Topic: Do We need health insurance??
Replies: 137
Views: 9624

Re: Do We need health insurance??

For goodness sake, go get health insurance! It's a drop in the bucket for you, OP, even if it seems expensive. Your health is not guaranteed to last, nor to fail only in ways that don't deplete your very healthy reserves. Traumatic accidents and cancer, in particular, are fairly common occurrences c...
by Tamarind
Tue Jul 03, 2018 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Read Wiki still not sure on Lazy Portfolio for ROTH/Trad IRA
Replies: 5
Views: 526

Re: Reed Wiki still not sure on Lazy Portfolio for ROTH/Trad IRA

I am switching to a lazy portfolio and currently have. 9% 401ks 68% IRA (Vanguard) 23% ROTH (Vanguard) A couple questions: -The only Vanguard fund that matches the lazy portfolio in 401k is the Total Bond Market Index so I should do 100% of my future contributions there I would assume, as well as e...
by Tamarind
Mon Jul 02, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wise Bogleheads, ideas highly appreciated... [Move, Switch Career]
Replies: 15
Views: 2878

Re: Dear wise Bogleheads, ideas highly appreciated...

I further agree that IT is the most viable entry level route given your background and desires. They are not much concerned about what your degree is in if you can complete certs and display necessary practical skills. Consider CRM or ERP administration too - very comfy IT jobs with no established ...
by Tamarind
Mon Jul 02, 2018 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Dear wise Bogleheads, ideas highly appreciated... [Move, Switch Career]
Replies: 15
Views: 2878

Re: Dear wise Bogleheads, ideas highly appreciated...

I further agree that IT is the most viable entry level route given your background and desires. They are not much concerned about what your degree is in if you can complete certs and display necessary practical skills. Consider CRM or ERP administration too - very comfy IT jobs with no established e...
by Tamarind
Mon Jul 02, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: What are your property taxes?
Replies: 212
Views: 14205

Re: What are your property taxes?

What I usually see is that property taxes are mostly a reflection of how the local voters feel about government services and who is supposed to pay for them. If the state or national government collects money and gets it back to the local government, then the local government doesn't need to collec...
by Tamarind
Mon Jul 02, 2018 6:54 am
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 5181

Re: Do you own just 5% of anything?

I don't have any holdings making up 5% or less. I used to have Vanguard's REIT index at 6% but dropped it when my wife and I married and agreed on a joint AA.
by Tamarind
Sat Jun 30, 2018 5:37 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 11915

Re: Feel like I'm sinking money into international

That tug is the feeling you're looking for that indicates an asset class is doing the perfectly normal thing that most people can't stand but is the only thing that will give investment performance in the long run. +1 I choose to rebalance by exchanging when a holding is more than 5% away from it's...
by Tamarind
Fri Jun 29, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 233
Views: 39002

Re: ALLY BANK savings account RATE increase 1.75%

DW and I consolidated at Ally after marrying. I closed down my account at Barclays because Ally has easier service, better mobile app, and comparable rate. I've appreciated the increases though I notice that my account rate always seems to lag behind a bit (just checked and it still shows 1.65%).
by Tamarind
Fri Jun 29, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Disappointed with Fidelity 401k
Replies: 36
Views: 3775

Re: Disappointed with Fidelity 401k

deferrals want to my 401k same day. Yeah I've never experienced that kind of speed. I would bet the average is around 2 full business days after payroll date for deferrals to post. At a prior employer with bad HR function it would often take a week. There's not much you can do about this and it'll ...
by Tamarind
Fri Jun 29, 2018 7:39 am
Forum: Investing - Help with Personal Investments
Topic: should I Help family member with investments?
Replies: 13
Views: 1512

Re: should I Help family member with investments?

My dad went out of his way to teach me everything he knew about investing. After absorbing the Boglehead method and philosophy I felt I could return the favor. He thinks he can pick stocks and time the market, so I argued with him for about a year. We both had a lot of fun and still agree to disagre...