Search found 439 matches

by gostars
Fri Jul 27, 2018 12:12 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2049
Views: 354402

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

+1 on Admiral shares being hit or miss to transfer, and I wouldn't recommend converting to ETFs in a taxable account if you had dividend reinvesting enabled. 12 years of reinvested dividends for me in VFIAX (pre-Bogleheads) turned into 32 VOO shares with cost bases ranging from $8.75 to $161.50, plu...
by gostars
Wed Jul 25, 2018 2:09 am
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 10603

Re: Dealing with HOA Notice

The Communications Act of 1996, rule (47 C.F.R. Section 1.4000) has been in effect since October 1996, and it prohibits restrictions that impair the installation, maintenance or use of antennas used to receive video programming. The rule applies to video antennas including direct-to-home satellite ...
by gostars
Wed Jul 25, 2018 1:36 am
Forum: Personal Consumer Issues
Topic: Road trip - Dallas to Kalispell MT - which vehicle and must sees
Replies: 30
Views: 2556

Re: Road trip - Dallas to Kalispell MT - which vehicle and must sees

I prefer a car to an SUV when doing the mountain roads in Colorado. Lower center of gravity means a little less mental energy expended in keeping the vehicle upright through the sharp turns. US 550 is one of my favorite drives anywhere (right up there with CA 1 through Big Sur) but it's a lot of mil...
by gostars
Wed Jul 25, 2018 12:41 am
Forum: Personal Finance (Not Investing)
Topic: Turned down for credit card
Replies: 35
Views: 3060

Re: Turned down for credit card

I started out with the Capital One student rewards card (no requirement to actually be a student). Had a decent score due to perfect history from a paid-off car loan, but nothing recent on the report besides on-time payments for utilities and the like. Credit limit started off at $500 and went up to...
by gostars
Tue Jul 24, 2018 11:55 pm
Forum: Investing - Theory, News & General
Topic: BND vs VBTLX vs VBMFX?
Replies: 5
Views: 1441

Re: BND vs VBTLX vs VBMFX?

I don't think M-E lets you buy Admiral shares other than as dividend reinvestment for existing holdings that were transferred in, and I don't think status gives you any waiver of the transaction fee on any mutual funds that have transaction fees (and none of the NTF funds they do have are worth anyt...
by gostars
Mon Jul 23, 2018 4:24 am
Forum: Personal Finance (Not Investing)
Topic: Prioritizing investments with high interest student loan debt
Replies: 8
Views: 886

Re: Prioritizing investments with high interest student loan debt

At 7.125%, my priorities would be mortgage/rent/insurance > credit cards > employer 401k match > loan debt > any other investments. Get rid of that debt as soon as you possibly can, including changing eating/drinking habits where possible. There are a lot of ways to stretch a food budget without goi...
by gostars
Mon Jul 23, 2018 3:47 am
Forum: Personal Investments
Topic: Looking for advice on Portfolio
Replies: 14
Views: 1222

Re: Looking for advice on Portfolio

I wouldn't recommend keeping multiple accounts in taxable unless there's a very good reason to do so, like keeping separate money for shorter term needs vs. retirement. Just adds to the paperwork you have to keep track of. Reinvesting is up to you; if you plan to have ongoing contributions to the ac...
by gostars
Mon Jul 23, 2018 3:16 am
Forum: Personal Investments
Topic: Bond funds in taxable accounts?
Replies: 45
Views: 11395

Re: Bond funds in taxable accounts?

They don't have the same inception date, so you're kind of comparing chalk and cheese here. There are certainly arguments in favor of both, and which one is better depends a lot on what your marginal tax brackets are.
by gostars
Sun Jul 22, 2018 10:40 pm
Forum: Personal Investments
Topic: Pay off Student Loans with Investment Funds or...?
Replies: 1
Views: 299

Re: Pay off Student Loans with Investment Funds or...?

What are the interest rates on the student loans? The break point of paying off early vs. keeping is usually somewhere around 4%, subject to individual taste.
by gostars
Sun Jul 22, 2018 10:19 pm
Forum: Personal Investments
Topic: Replicating VTSAX or VFIFX [Vanguard Total Stock or Target Retirement 2050]
Replies: 6
Views: 914

Re: Replicating VTSAX or VFIFX [Vanguard Total Stock or Target Retirement 2050]

100% ISHARES S&P 500 INDEX FD INSTL 0.11% 0% everything else Hold your small caps/international/bonds in taxable and/or an IRA. If holding 100% of your 401k in S&P 500 would overweight you on US stocks, then also hold the MSCI EAFE fund as needed for your international. Most plans have some sort of ...
by gostars
Sun Jul 22, 2018 10:10 pm
Forum: Personal Investments
Topic: New 401k, help with picking fund.
Replies: 9
Views: 775

Re: New 401k, help with picking fund.

BP are basis points, or hundredths of a percent. 0.06% is 6 bp.

VTTSX is a great choice. You could probably beat the rate by a BP or two adjusting by hand, but the cost of your time in rebalancing might override what you would save, unless you count all this stuff as fun :happy.
by gostars
Sun Jul 22, 2018 9:50 pm
Forum: Personal Investments
Topic: Bond funds in taxable accounts?
Replies: 45
Views: 11395

Re: Bond funds in taxable accounts?

Past performance is not an indicator of future performance. Especially true when interest rates have been in the toilet for most of the last 10 years but are rising now. I'm not an economist so about all I can say is that different conditions are likely to produce different results, but I have no id...
by gostars
Sun Jul 22, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Giving money to adult kids
Replies: 23
Views: 4171

Re: Giving money to adult kids

I'm not well versed in this, but it seems like this is exactly the sort of situation a trust is designed to handle. You can set it up so that an outside person (lawyer, trusted friend or family member, etc.) administers the money on behalf of the kids, and only disburses funds to cover things approv...
by gostars
Sun Jul 22, 2018 8:20 pm
Forum: Personal Investments
Topic: Looking for advice on Portfolio
Replies: 14
Views: 1222

Re: Looking for advice on Portfolio

Given the quality of the 401k in general, I'd be worried about it having additional administrative or other fees on top of the fund fees. There's probably a half percent gouging fee added on just for grins. Investing in taxable isn't a bad idea in my opinion, especially if the goal is to be changing...
by gostars
Sun Jul 22, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 22186

Re: New Vanguard Security Code Requirement

Flash is disabled by default in Chrome, Edge, and Safari, and will be disabled by default in Firefox starting next year. I highly doubt that's what they're using at this point, as it just wouldn't work for the majority of users.
by gostars
Sun Jul 22, 2018 7:40 pm
Forum: Personal Investments
Topic: Bond funds in taxable accounts?
Replies: 45
Views: 11395

Re: Bond funds in taxable accounts?

Yes, this is true of bond funds. If you had $10,000 worth of BND on January 1, that same amount would only be worth $9848.93 today. The same amount in VMMXX would be worth almost $10100. BND will eventually recover, but for needs under 5 years I'd be in something that isn't going to lose value. A 3 ...
by gostars
Sun Jul 22, 2018 12:58 am
Forum: Personal Investments
Topic: Looking for advice on Portfolio
Replies: 14
Views: 1222

Re: Looking for advice on Portfolio

Basing this on $164k of investable money. 401k, $42k $42k Blackrock S&P 500 Traditional IRA, moved to Vanguard or Fidelity, $40k $40k total bond index (VBTLX at Vanguard, FSITX at Fidelity) Roth IRA, Vanguard or Fidelity, $6.5k $6.5k total stock market ETF (VTI at Vanguard, ITOT at Fidelity) Taxable...
by gostars
Sun Jul 22, 2018 12:30 am
Forum: Personal Investments
Topic: Partial Rollover of 401k permitted?
Replies: 7
Views: 515

Re: Partial Rollover of 401k permitted?

I would suggest reading the plan document for the previous employer's 401k. It should detail exactly what kinds of rollovers are permitted.
by gostars
Sat Jul 21, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card - Keep Getting Denied
Replies: 27
Views: 2361

Re: Credit Card - Keep Getting Denied

If the review of the credit report doesn't turn up any kind of incorrect information, my suggestion would be the Capital One student rewards card. They'll give it to just about anyone with a job and a pulse. No requirement to actually be a student. If I remember correctly, it normally starts with a ...
by gostars
Sat Jul 21, 2018 10:24 pm
Forum: Personal Investments
Topic: Moving IRAs to Vanguard, advice
Replies: 21
Views: 2531

Re: Moving IRAs to Vanguard, advice

I have no strong feelings either way on international bonds. I have some myself, but it's only like 20% of my bond allocation. With only $15k in bonds in total, I probably wouldn't bother.
by gostars
Sat Jul 21, 2018 2:59 am
Forum: Personal Finance (Not Investing)
Topic: 403B Coal Raking! Help!
Replies: 18
Views: 2284

Re: 403B Coal Raking! Help!

47Percent wrote:
Thu Jul 19, 2018 7:58 pm
That energy is better spent looking for a new employer.
I'd probably at least try to talk to other employees and give them the link to the Youtube video of John Oliver's story on bad 401k plans. Enough pressure might accomplish something.
by gostars
Sat Jul 21, 2018 1:48 am
Forum: Personal Investments
Topic: New job no 401k -- options for investment?
Replies: 5
Views: 752

Re: New job no 401k -- options for investment?

Talk to your employer about starting a 401k. I work for a very small company that recently started a 401k with Guideline. They fit very much with the BH philosophy of low-cost index based funds (mostly Vanguard Admiral Shares funds, including all the ones people here are looking for), and charge low...
by gostars
Sat Jul 21, 2018 1:38 am
Forum: Personal Investments
Topic: Moving IRAs to Vanguard, advice
Replies: 21
Views: 2531

Re: Moving IRAs to Vanguard, advice

The way you have the accounts allocated makes sense, but I'd have a bit of hesitancy at the overall allocation. 80/20 is extremely aggressive at age 42. Personally, I'd try to have bond holdings in between age minus 20 (aggressive) and age minus 10 (conservative). In your situation I'd probably go w...
by gostars
Sat Jul 21, 2018 1:10 am
Forum: Personal Investments
Topic: Asset allocation for retirement account and down-payment savings account
Replies: 1
Views: 363

Re: Asset allocation for retirement account and down-payment savings account

Money needed in 5 years or less would best be held in something with negligible risk, like a prime money market fund, high-yield savings account, or CDs with low/no penalties. Stocks and bonds both have a significant risk of being worth less than what you put in at the time you need the money. Take ...
by gostars
Sat Jul 21, 2018 12:45 am
Forum: Personal Investments
Topic: To transfer, or not to transfer, that is my question?
Replies: 4
Views: 868

Re: To transfer, or not to transfer, that is my question?

I would roll the IRA money into the TSP. Even if the G fund becomes useless (keeping in mind that discussions of proposed legislative actions are generally frowned upon here), you still have the F fund, which will more or less equal VBTLX.
by gostars
Sat Jul 21, 2018 12:23 am
Forum: Personal Investments
Topic: Bond funds in taxable accounts?
Replies: 45
Views: 11395

Re: Bond funds in taxable accounts?

Interest rates (and therefore the return on bonds, savings accounts, and money markets) had been low for a long time and just started climbing in late 2017. More risk, more reward. If you make a scale where FDIC-backed savings accounts and CDs are at 100 for most secure, then prime money markets are...
by gostars
Sat Jul 21, 2018 12:10 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 22186

Re: New Vanguard Security Code Requirement

Why would you exclude a user being compromised from the analysis? You don't even need 2FA at all if passwords could never be compromised. If someone picks up malware, it is unlikely to have implemented a scripted harness for a sophisticated sequence of operations for a financial institution used by...
by gostars
Fri Jul 20, 2018 11:38 pm
Forum: Personal Investments
Topic: 3 Fund Portfolio Creation
Replies: 12
Views: 1559

Re: 3 Fund Portfolio Creation

Thanks 10 year return on the stable income has been .31%. ER is .51%. Don’t think that will cut it as my bond allocation? The balance is in the 6 figures Does it list the current yield? You may need to check the prospectus/quarterly report/etc.. Historical returns don't mean much since no bond fund...
by gostars
Fri Jul 20, 2018 11:33 pm
Forum: Personal Investments
Topic: 403B rollover to IRA ? on what to do with it, want just one mutual ?
Replies: 18
Views: 901

Re: 403B rollover to IRA ? on what to do with it, want just one mutual ?

VSCGX, Vanguard LifeStrategy Conservative Growth. About a 40/60 stock/bond split, low ER, available at TDA (though you do have to pay a transaction fee, because TDA's NTF fund options are lousy). If you want to be more aggressive, the Moderate Growth version (VSMGX) previously mentioned is basically...
by gostars
Fri Jul 20, 2018 11:11 pm
Forum: Personal Investments
Topic: 401k Help Picking Funds 25 Year Old
Replies: 10
Views: 873

Re: 401k Help Picking Funds 25 Year Old

I would say Roth vs. traditional in the 401k would depend how far in to the 22% bracket you are. If you're low enough that traditional contributions can get you out of 22% entirely, then do exactly that much, and anything further in Roth. If you're way up in 22, then go all traditional and stick to ...
by gostars
Fri Jul 20, 2018 11:03 pm
Forum: Personal Investments
Topic: Fidelity Portfolio Advice Please
Replies: 30
Views: 4288

Re: Fidelity Portfolio Advice Please

I assume that is in addition to maxing out the 403(b)? 24.5k + 6.5k + 6.5k Yes. If you run the numbers and don't have enough to do all of it, then the Roths would take priority. No restriction on where the Roth money comes from. The 403b has to be funded as a deduction from your paycheck. If you op...
by gostars
Fri Jul 20, 2018 3:33 am
Forum: Personal Investments
Topic: 3 Fund Portfolio Creation
Replies: 12
Views: 1559

Re: 3 Fund Portfolio Creation

What kind of interest rate is the stable income fund providing? It might provide a suitable option as your bond allocation. If it can stay competitive with burning $120 a year to buy SPAB, then you might as well use it. The S&P 500 fund isn't terrible either; it would take like 4 years of max contri...
by gostars
Fri Jul 20, 2018 3:06 am
Forum: Personal Investments
Topic: Bond funds in taxable accounts?
Replies: 45
Views: 11395

Re: Bond funds in taxable accounts?

Vanguard's Prime Money Market is at 2.05%, and there are a couple banks offering savings and money market accounts around 2% as well, so those would be the best choices if you might need the money quick. Wait, VMMXX is 2.05%... and VWIUX is 2.41%, VBTLX is 3.11%. The money market is essentially a s...
by gostars
Fri Jul 20, 2018 2:43 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 22186

Re: New Vanguard Security Code Requirement

IP addresses in packet headers can be forged, and other machine “fingerprints” are easily simulated. This is not a good strategy. How exactly do you propose forging a TLS connection? If they allow fallback to an unencrypted login that's one thing, but requiring a secure connection and a secure cook...
by gostars
Fri Jul 20, 2018 2:29 am
Forum: Personal Investments
Topic: Fidelity Portfolio Advice Please
Replies: 30
Views: 4288

Re: Fidelity Portfolio Advice Please

starting a 403(b) is a no brainer--thank you. That is now opened and will be funded at the maximum and drawing from AGG to replace the income. Not sure about the spouse IRA since she works part time. I guess she would need to do that herself? When it comes to a spousal IRA, your combined earned inc...
by gostars
Wed Jul 18, 2018 2:17 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 22186

Re: New Vanguard Security Code Requirement

IP addresses in packet headers can be forged, and other machine “fingerprints” are easily simulated. This is not a good strategy. How exactly do you propose forging a TLS connection? If they allow fallback to an unencrypted login that's one thing, but requiring a secure connection and a secure cook...
by gostars
Wed Jul 18, 2018 2:02 am
Forum: Personal Investments
Topic: 3 Fund Portfolio Creation
Replies: 12
Views: 1559

Re: 3 Fund Portfolio Creation

I always wondered what the point of 10% bonds are for? I can see the reason for a more significant amount like 20% and more, but it seems like the benefit of 10% vs all equities seems so minimal that it would make more sense to just go all equities (plus separate emergency cash fund), and only star...
by gostars
Wed Jul 18, 2018 1:37 am
Forum: Personal Investments
Topic: Asett Allocation
Replies: 4
Views: 792

Re: Asett Allocation

Coin flip on the 3.74% debt. Over 4 I'd probably pay off quick, but under is debatable. For the debt at 2% or less, you could literally put that cash into a money market or CD and get a better rate, so there's no reason to pay it off early. If you had the cash now, putting 10 or 20% in the market an...
by gostars
Wed Jul 18, 2018 1:05 am
Forum: Personal Investments
Topic: 3 Fund Portfolio Creation
Replies: 12
Views: 1559

Re: 3 Fund Portfolio Creation

Comment 1: That's a crappy 401k. Comment 2: Just for grins, what are the rest of the 401k options/ERs? And do you have any outside retirement assets or are you all-in on this plan? Comment 3: I'd rule out #3 right off the bat. The TDA no-commission ETFs aren't great, but they're better than paying t...
by gostars
Wed Jul 18, 2018 12:52 am
Forum: Personal Investments
Topic: What to put in a relatively insignificant Roth IRA
Replies: 5
Views: 845

Re: What to put in a relatively insignificant Roth IRA

Welcome. I'd say that the general consensus around here is to stick to tax-efficient fund placement unless there's a good reason not to. This means bonds in tax-deferred accounts like 401ks and traditional IRAs, international in taxable, US stocks in Roth and taxable. If you have play money, keep in...
by gostars
Wed Jul 18, 2018 12:24 am
Forum: Personal Investments
Topic: New job. Old 403b and Roth IRA
Replies: 6
Views: 637

Re: New job. Old 403b and Roth IRA

Those are all great funds, and if your plan allows roll-ins and doesn't charge AUM fees, then you should have no hesitation about rolling in money from previous employers. Exactly how the breakdowns should occur would depend on exactly what assets you have where. If you can direct the Roth money sep...
by gostars
Wed Jul 18, 2018 12:07 am
Forum: Personal Investments
Topic: Consolidate and simplify
Replies: 11
Views: 1621

Re: Consolidate and simplify

The foreign tax credit is a straightforward thing. Stocks that make money in foreign countries are sometimes required to pay tax on that income to the country they're located in. Where or why that happens is a lot more complex, but someone else can figure that out, because it really doesn't matter t...
by gostars
Tue Jul 17, 2018 11:45 pm
Forum: Personal Investments
Topic: Fidelity Portfolio Advice Please
Replies: 30
Views: 4288

Re: Fidelity Portfolio Advice Please

You can read about it in the wiki, https://www.bogleheads.org/wiki/Tax_loss_harvesting Brief summary: if something you hold in a taxable accounts declines in value so that it's worth less than you paid for it, you can sell the stock at that point and use the losses to offset any capital gains you mi...
by gostars
Tue Jul 17, 2018 1:06 am
Forum: Personal Investments
Topic: Fidelity Portfolio Advice Please
Replies: 30
Views: 4288

Re: Fidelity Portfolio Advice Please

"If you really want to do this right, you should replan your entire portfolio adding these two new accounts into what you already have. To help with that, we'd need to see all your other accounts though." Here is everything. At Fidelity all pretty much sitting in cash their prime money market funds...
by gostars
Tue Jul 17, 2018 12:02 am
Forum: Personal Investments
Topic: Consolidate and simplify
Replies: 11
Views: 1621

Re: Consolidate and simplify

Thanks for your reply! Your right - I just used last years numbers and effective rate from my 2017 taxes. For 2018, I'll be in the 22% bracket for 2018 and in 2019 there is an off chance I'll land in the 12% bracket due to some months of tax exempt pay coming up. Even more reason to use some tradit...
by gostars
Mon Jul 16, 2018 11:46 pm
Forum: Personal Investments
Topic: Bond funds in taxable accounts?
Replies: 45
Views: 11395

Re: Bond funds in taxable accounts?

I could shift the 401ks to be heavier bonds (I think they are currently ~40%). The problem is I can see myself potentially dipping into my taxable account before retirement (downpayment on home etc.) and right now it's 100% stocks. Shouldn't I de-risk the taxable portion? Ideally you'd split out th...
by gostars
Mon Jul 16, 2018 1:35 am
Forum: Personal Investments
Topic: Consolidate and simplify
Replies: 11
Views: 1621

Re: Consolidate and simplify

There is no 25% tax bracket anymore, so you'll want to check where you fall under the current tax plan. If you're low in 24%, you might consider splitting the TSP between Roth and traditional in order to ease your tax hit. Put enough in traditional to get you completely out of the 24% bracket. If yo...
by gostars
Mon Jul 16, 2018 12:54 am
Forum: Personal Investments
Topic: Help with consolidating DRIP stocks
Replies: 5
Views: 545

Re: Help with consolidating DRIP stocks

How much are you moving over? If you're talking large sums (6 figures or more), then you might consider calling other brokerages like Fidelity, Schwab, Merrill Edge, and TD Ameritrade, to see what kind of bonus they'll give you for bringing in that level of assets and if they'll cover the transfer/a...
by gostars
Mon Jul 16, 2018 12:44 am
Forum: Personal Investments
Topic: Bond funds in taxable accounts?
Replies: 45
Views: 11395

Re: Bond funds in taxable accounts?

Bonds would typically be best in a traditional 401k or traditional IRA. Assuming your 401k has a decent aggregate bond fund (VBTLX is one such fund), fill that space with bonds before considering holding them in taxable. If you do need to use taxable and you're in a high state income tax bracket (e....
by gostars
Mon Jul 16, 2018 12:30 am
Forum: Personal Investments
Topic: Stock, Bond, REIT allocation to traditional & Roth IRA
Replies: 2
Views: 404

Re: Stock, Bond, REIT allocation to traditional & Roth IRA

Stocks in Roth, bonds in traditional. REITs typically fall in the middle growth-wise, so they can go in either or both depending on how much space you have available. Just don't hold REITs in a regular taxable brokerage account.