Search found 2660 matches

by PFInterest
Tue Jun 06, 2017 9:17 pm
Forum: Personal Investments
Topic: Invest with ICMA or not... fees/taxes question
Replies: 4
Views: 1804

Re: Invest with ICMA or not... fees/taxes question

457 likely will win in your scenario.
by PFInterest
Tue Jun 06, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 13562

Re: Suit for residency interviews

Don't over think it. Macy's, good luck.
by PFInterest
Sun Jun 04, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Flying first class, business, versus economy.
Replies: 184
Views: 26703

Re: Flying first class, business, versus economy.

That is completely a personal decision. Sounds like a yes for you.
by PFInterest
Sun Jun 04, 2017 7:03 pm
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 3979

Re: Black and white laser printers

Brother.
Why does it need Ethernet?
by PFInterest
Sun Jun 04, 2017 3:26 pm
Forum: Personal Investments
Topic: Going from cash to equities now?
Replies: 47
Views: 6804

Re: Going from cash to equities now?

what should scare you more is how you are getting horrid returns. Missing out on both FI and stock gains and getting hosed with management fees. this is scarier than the stock market to me.
by PFInterest
Sun Jun 04, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: What's the difference between a Trust and a Will?
Replies: 24
Views: 2926

Re: What's the difference between a Trust and a Will?

it more has to do for avoiding probate at least from what i understand.
by PFInterest
Sun Jun 04, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: Drones?
Replies: 11
Views: 2213

Re: Drones?

You are going to be spending much more than $100. Good luck.

DJI seems to be the gold standard for now.

Cheap drones are getting good, and good drones are getting cheap.
by PFInterest
Thu Jun 01, 2017 8:08 pm
Forum: Personal Consumer Issues
Topic: Choosing Renewable Energy From My Electricity Supplier
Replies: 14
Views: 1524

Re: Choosing Renewable Energy From My Electricity Supplier

We do this to. Our small part until we have a place to put solar.
by PFInterest
Thu Jun 01, 2017 11:18 am
Forum: Investing - Theory, News & General
Topic: Invest Bulk Sum: Taxable account now, or tax-free more slowly
Replies: 5
Views: 810

Re: Invest Bulk Sum: Taxable account now, or tax-free more slowly

Are you sure a Roth 401k is a better choice?
I also vote retirement vehicles first prior to taxable.
by PFInterest
Sun May 28, 2017 2:33 pm
Forum: Personal Investments
Topic: 20 percent international
Replies: 29
Views: 4486

Re: 20 percent international

Easier to say 60:40 so 48 US 12 Intl and 40 bonds.
by PFInterest
Sun May 28, 2017 2:25 pm
Forum: Personal Investments
Topic: 20 percent international
Replies: 29
Views: 4486

Re: 20 percent international

It's any % you want it to be. But it is refers to the stock portion.
by PFInterest
Fri May 26, 2017 10:31 pm
Forum: Personal Investments
Topic: What happens after you max out your Roth IRA Limit?
Replies: 6
Views: 1886

Re: What happens after you max out your Roth IRA Limit?

Now you max out your 403.
No.
You do buy shares. You can look up the prices but it is irrelevant.
by PFInterest
Tue May 23, 2017 4:40 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 10936

Re: The dot com "do over" bull market?

This time it's different! :oops:
by PFInterest
Sun May 21, 2017 4:40 pm
Forum: Personal Investments
Topic: Seeking Advice on Transferring out of Betterment
Replies: 9
Views: 2724

Re: Seeking Advice on Transferring out of Betterment

Betterment will send the info to Vanguard or wherever. It's not an issue. You didn't mention taxes, which could be.
by PFInterest
Sun May 21, 2017 4:35 pm
Forum: Personal Consumer Issues
Topic: Firefox painfully slow
Replies: 34
Views: 5676

Re: Firefox painfully slow

whodidntante wrote:
stan1 wrote:Make sure your hard drive has free space.

Also if you only have 4MB of RAM it may be time to add more.
Yes, Windows 95 really needs at least 8 MB.
Ha!

Also yes this is a system problem, not a Firefox problem.
by PFInterest
Thu May 18, 2017 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Buy 1st House Cash?
Replies: 20
Views: 2406

Re: Buy 1st House Cash?

Man need to move to Michigan....120K isn't even a downpayment here.

Good luck!
by PFInterest
Mon May 15, 2017 11:18 am
Forum: Personal Investments
Topic: From selling to renting - what to do with proceeds?
Replies: 8
Views: 1350

Re: From selling to renting - what to do with proceeds?

there are other options than the stock market....CDs, IBonds, NY Munis, other FI, etc.
by PFInterest
Mon May 15, 2017 11:15 am
Forum: Personal Investments
Topic: Medical loans, Roth IRA, 401k and marraige- what to do?
Replies: 4
Views: 552

Re: Medical loans, Roth IRA, 401k and marraige- what to do?

what do you mean what to do with it? make sure the funds compliment whats offered in your 401k (such as FI in 401k and stocks in roth), but otherwise....nothing.

good luck with the loans. you need to figure out your husbands...are they really still in forbearance?
by PFInterest
Mon May 15, 2017 11:13 am
Forum: Personal Investments
Topic: Index fund for grandkids?
Replies: 2
Views: 669

Re: Index fund for grandkids?

an indexed total stock market fund at any large brokerage.
by PFInterest
Mon May 15, 2017 11:09 am
Forum: Personal Investments
Topic: Buy and Hold Question - New Boglehead
Replies: 5
Views: 732

Re: Buy and Hold Question - New Boglehead

the short answer....definitely.
by PFInterest
Sun May 14, 2017 10:00 am
Forum: Personal Investments
Topic: I'm hoping I didn't quit too soon
Replies: 8
Views: 3157

Re: I'm hoping I didn't quit too soon

SS at 64 seems like a bad move.
by PFInterest
Sun May 14, 2017 9:57 am
Forum: Personal Investments
Topic: Is there any reason I should invest any additional money into bonds?
Replies: 29
Views: 3826

Re: Is there any reason I should invest any additional money into bonds?

What is your current AA? Hard to offer change if we don't know that starting point. But my guess is....No. congrats.
by PFInterest
Sat May 13, 2017 5:33 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 9269

Re: The recent WannaCry ransomware

It was really a non issue for anyone with a supported UTD system.
by PFInterest
Sat May 13, 2017 2:29 pm
Forum: Personal Investments
Topic: Investing Priority
Replies: 11
Views: 1639

Re: Investing Priority

usually because of tax rates and also fund options.
by PFInterest
Tue May 09, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: What home improvements are worth it
Replies: 37
Views: 7206

Re: What home improvements are worth it

For 3 years? None of those.
by PFInterest
Tue May 09, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Which add-on tests are worth the money?
Replies: 11
Views: 1454

Re: Which add-on tests are worth the money?

How old are you?
by PFInterest
Fri May 05, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: "Wondering how to convert to Admiral Shares?"
Replies: 20
Views: 5044

Re: "Wondering how to convert to Admiral Shares?"

I didn't know this needed to be said. It's a big yellow flag when it happens.
by PFInterest
Fri May 05, 2017 8:58 am
Forum: Personal Investments
Topic: Roth for Home Purchase Advice
Replies: 6
Views: 752

Re: Roth for Home Purchase Advice

No. Roth space is too valuable for us.
by PFInterest
Wed May 03, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Puerto Rico Bonds Bankrupcy
Replies: 37
Views: 5400

Re: Puerto Rico Bonds Bankrupcy

This is not new. People have seen this coming.
Did you look up the prospectus for total bond and int term municipal? Im not as worried.

Also why would you use corporates as a substitute? They are not the same.
by PFInterest
Tue Apr 18, 2017 8:18 pm
Forum: Personal Investments
Topic: 35 year old seeking Roth 401K investment help
Replies: 8
Views: 808

Re: 35 year old seeking Roth 401K investment help

first what are the fees/expense ratios associated with your 401k?
no mortgage?

first would set contributions to max in 401k.
by PFInterest
Sat Apr 15, 2017 6:22 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Is Growing Faster Than Everybody Else Combined]
Replies: 34
Views: 3527

Re: NYT article on Vanguard

So sold vs not exist. Either way the outlook wasnt bright.
by PFInterest
Sat Apr 15, 2017 6:21 pm
Forum: Personal Investments
Topic: How often should I contribute to my taxable account?
Replies: 23
Views: 4171

Re: How often should I contribute to my taxable account?

Did every paycheck in 2016. Doing monthly this year. Does not matter either way.
by PFInterest
Sat Apr 15, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Is Growing Faster Than Everybody Else Combined]
Replies: 34
Views: 3527

Re: NYT article on Vanguard

dont forget, Bogle thinks Fidelity wont exist in 5 years...
by PFInterest
Sat Apr 15, 2017 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Pay off debt or fund retirement accounts?
Replies: 23
Views: 2507

Re: Pay off debt or fund retirement accounts?

pay of the credit cards, no question about it. the market isnt even returning that amount and you free up monthly cash flow. (also you guys need to consider laying off credit cards in the future) the other debts come next at your priority, the mortgage comes last i think on that list. another though...
by PFInterest
Sat Apr 15, 2017 9:11 am
Forum: Personal Investments
Topic: Will it be a mistake to buy VTSMX today?
Replies: 50
Views: 9469

Re: Will it be a mistake to buy VTSMX today?

put it this way when my monthly buying date comes up, i cant bear (get it!) the thought of my money sitting at my bank doing absolutely nothing. it gets 0%. i dont care what the market does. im not touching this for decades. ive bought on all time highs. and im sure ill buy at all time lows. either ...
by PFInterest
Sat Apr 08, 2017 3:00 pm
Forum: Personal Investments
Topic: Compare moving after-tax 401k contribs into Roth IRA directly, vs splitting then converting
Replies: 5
Views: 511

Re: Compare moving after-tax 401k contribs into Roth IRA directly, vs splitting then converting

no you just roll over all of the after tax amount. since you would pay tax on converting a separate IRA rollover anyways....why try to separate two steps?
by PFInterest
Tue Apr 04, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Apple breaks its silence
Replies: 24
Views: 5264

Re: Apple breaks its silence

How is this actionable?
by PFInterest
Tue Apr 04, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Deleting "Systemic" Files in Windows
Replies: 13
Views: 2000

Re: Deleting "Systemic" Files in Windows

Why don't you get a larger drive... If you are nit picking a few programs this seems the easiest solution.
by PFInterest
Sun Apr 02, 2017 12:29 pm
Forum: Personal Consumer Issues
Topic: What to see in Philly?
Replies: 87
Views: 7058

Re: What to see in Philly?

rocky steps of course...
by PFInterest
Sun Apr 02, 2017 11:10 am
Forum: Personal Investments
Topic: Invest 100% of income?
Replies: 6
Views: 998

Re: Invest 100% of income?

are you not already investing?
whats the cash for?
why do you have 2 IRAs....since they are individual....do you mean a roth and traditional?
do you max the 401k and IRA already?

so in short....yes.
by PFInterest
Sun Apr 02, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: Where to buy new iPhone
Replies: 41
Views: 6848

Re: Where to buy new iPhone

do you qualify for any trade in deals for verizon?
the iphone 8 will be announced in sept, so you are already halfway through an update cycle. would wait as well (either to get 7 cheaper or latest and greatest)
by PFInterest
Sun Apr 02, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Why Buffet likes S&P 500 Index over a TSM Index Fund?
Replies: 51
Views: 12549

Re: Why Buffet likes S&P 500 Index over a TSM Index Fund?

because they evolved in a time where TSM didnt exist.
by PFInterest
Sat Apr 01, 2017 5:56 pm
Forum: Personal Investments
Topic: Is anyone decreasing % of bonds this year?
Replies: 91
Views: 10241

Re: Is anyone decreasing % of bonds this year?

nope. i will be rebalancing as needed however.
by PFInterest
Sat Apr 01, 2017 11:47 am
Forum: Personal Consumer Issues
Topic: thoughts on car choice/payment?
Replies: 21
Views: 2187

Re: thoughts on car choice/payment?

sounds like your stuck on the treadmill. good luck getting off!
by PFInterest
Sat Apr 01, 2017 11:42 am
Forum: Personal Investments
Topic: Edward jones to vanguard?
Replies: 19
Views: 3590

Re: Edward jones to vanguard?

how hard to move? not at all. call the company you want to move to and have them do the work. vanguard or fidelity are fine service? probably none. thats why you are being gouged by EJ. most here rec going alone or even finding a hourly fee adviser if necessary. you may not have done bad, but depend...