Search found 285 matches

by fujiters
Thu May 10, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 48
Views: 6221

Re: Which City to spend 4-6 weeks?

I also recommend Rome. Great day trips, and a great place to just be.
by fujiters
Wed May 09, 2018 1:22 am
Forum: Personal Consumer Issues
Topic: Rental Cars:National, Budget, Alamo or Thrifty
Replies: 33
Views: 3143

Re: Rental Cars:National, Budget, Alamo or Thrifty

NOLA wrote:
Tue May 08, 2018 11:42 pm
Thanks to this great site I found the Autoslash website. Gave me a great deal when we went to LA last year.
I also highly recommend autoslash.com.
by fujiters
Wed May 09, 2018 1:19 am
Forum: Personal Finance (Not Investing)
Topic: How to handle problem employee
Replies: 84
Views: 7628

Re: How to handle problem employee

The way you've presented yourself in this thread is that you are a manager that is only capable or interested in managing high performers. For poor performers they should just do their job, not ask questions and don't bother you.... I think attending various management classes on different communic...
by fujiters
Sat May 05, 2018 6:58 am
Forum: Personal Investments
Topic: Vanguard: ETF vs MF
Replies: 38
Views: 4091

Re: Vanguard: ETF vs MF

With Vanguard, ETFs are just a different share class of the mutual fund, so there is no tax advantage for Vanguard ETFs. See: https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds#Vanguard_funds. This is unique to Vanguard (they have a patent on it until 2023). Also, Vanguard allows you to set up aut...
by fujiters
Wed May 02, 2018 1:37 pm
Forum: Personal Investments
Topic: Retirement at 43-45 (Military)
Replies: 17
Views: 3446

Re: Retirement at 43-45 (Military)

I was interested in starting TSP/IRA for both of us but we cant touch the growth before 59.5 without penalties from my understanding. Ideal scenario would be to invest in taxable investments, then start with drawing once she retires (2036). This would mean we are both 43 which is under the 59.5 thr...
by fujiters
Tue May 01, 2018 3:07 pm
Forum: Personal Investments
Topic: All my eggs in one basket?
Replies: 26
Views: 13770

Re: All my eggs in one basket?

While I have faith in insurance for banks or Vanguard going out of business, I'm concerned they could suffer from an IT failure (the current situation with TSB is on my mind) where the transaction history is not left intact. Financial institutions are notorious for systems that have existed for deca...
by fujiters
Mon Apr 30, 2018 1:55 am
Forum: Personal Investments
Topic: Open vanguard CD Order
Replies: 32
Views: 4012

Re: Open vanguard CD Order

Another question on the Vanguard brokerage account- I have a mutual fund account with Vanguard with balance over 10K. I am thinking of upgrading it to the brokerage account which allows me an access to a broad range of investment products. Is there anything on the negative side for opening this acc...
by fujiters
Sun Apr 29, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: HSA Charging Monthly Fee - How to Avoid it?
Replies: 19
Views: 2550

Re: HSA Charging Monthly Fee - How to Avoid it?

You may want to look into transferring to Lively:

https://livelyme.com/pricing/
by fujiters
Fri Apr 27, 2018 2:42 am
Forum: Personal Consumer Issues
Topic: BH travel tips?
Replies: 193
Views: 23996

Re: BH travel tips?

In the past, I would carry one and my wife the other in our luggage and then we would tear the pages out of the book for the region/city we were in and only carry those around for the day. No need to do that anymore - either get the electronic versions or snap pictures of that day's section of the ...
by fujiters
Fri Apr 27, 2018 1:54 am
Forum: Investing - Theory, News & General
Topic: Holding S&P 500 Index vs Total Stock Market?
Replies: 35
Views: 14947

Re: Holding S&P 500 Index vs Total Stock Market?

I should clarify: I certainly COULD modify my holdings in my tax advantaged accounts, but I feel like that's taking introducing additional complexity when I'm trying to simplify things. My accounts (aside from the 401k) are all with Vanguard, so the transaction fees aren't an issue. Thanks for your...
by fujiters
Wed Apr 25, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Holding S&P 500 Index vs Total Stock Market?
Replies: 35
Views: 14947

Re: Holding S&P 500 Index vs Total Stock Market?

The issue with going with the 500 Index then adding extended market in another part of my portfolio is that all my accounts are tax-advantaged right now and aside from the 401k they only get funded once a year with lump sums. Therefore, throughout the year my 500 Index would have contributions adde...
by fujiters
Wed Apr 25, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Holding S&P 500 Index vs Total Stock Market?
Replies: 35
Views: 14947

Re: Holding S&P 500 Index vs Total Stock Market?

I have a pretty poor 401(k), but I do have the option of investing in a 500 index vs. TSM. The 500 Index expense ratio is 1.13. Total Stock Market expense ratio is 1.18. Even though I believe the TSM is fund of choice, because it's got an expense ratio that is slightly higher should I steer clear? ...
by fujiters
Mon Apr 23, 2018 2:45 pm
Forum: Personal Investments
Topic: TSP Allocation at 35
Replies: 20
Views: 3852

Re: TSP Allocation at 35

What do you have outside TSP? G Fund is the best bond fund available. A Roth IRA in the vanguard S&P index fund that I max out every year, taxable index funds I put about 40k into yearly, and an investment property. What's in your taxable account? More S&P? You may want to consider placing your int...
by fujiters
Sat Apr 14, 2018 3:07 am
Forum: Personal Finance (Not Investing)
Topic: How do I make sure IRS receives my manual tax return ?
Replies: 89
Views: 11111

Re: How do I make sure IRS receives my manual tax return ?

I sent mine regular mail. IRS cashed the check about a week later. So, I know they received it. There only seems to be a question if you've already paid exactly what was owed. No refund (because if you receive a refund: proof of receipt), no additional payment (because, as you point out, the fact t...
by fujiters
Fri Apr 13, 2018 2:09 pm
Forum: Personal Investments
Topic: Why traditional IRA better than Roth IRA
Replies: 87
Views: 12654

Re: Why traditional IRA better than Roth IRA

I haven't run the numbers, but suppose a MFJ family had $72K a year from $30K Social Security checks and $42K from a traditional IRA withdrawal. How much Federal income tax would they pay? You might be surprised. If you assume someone around 54 currently, and assume tax rates revert to 2017 rates a...
by fujiters
Thu Apr 12, 2018 3:56 am
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 6148

Re: realtor wants to show house to buyer, no listing agent for me

To me, you don't sound too interested in selling, so try to rip them off :twisted: add ridiculous price to your house like +150k-200k more than comps and if they bite, sell it, win win... ask them to accept 1.5% commission or buh-bye... They are being aggressive, you can do the same. There is nothi...
by fujiters
Tue Apr 10, 2018 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Easily digestible info/blog on finances for spouse?
Replies: 35
Views: 3369

Re: Easily digestible info/blog on finances for spouse?

I really enjoyed Jim Collins' stock series when I read it a few years ago.

http://jlcollinsnh.com/stock-series/

A Suze Orman book might also appeal to her.
by fujiters
Tue Apr 10, 2018 4:24 pm
Forum: Personal Investments
Topic: What to do with $50k Earmarked for Taxable Account?
Replies: 11
Views: 1436

Re: What to do with $50k Earmarked for Taxable Account?

If you're already maxing out your Roths, you can't do a backdoor Roth. You can only contribute $5500/year/person ($6500 if you're over 50) across all IRA accounts. In general, Bogleheads aim for simple, low cost, total market returns. See https://www.bogleheads.org/wiki/Three-fund_portfolio. Typical...
by fujiters
Tue Apr 10, 2018 4:11 pm
Forum: Personal Investments
Topic: Contribute to 401k or Roth IRA
Replies: 8
Views: 803

Re: Contribute to 401k or Roth IRA

I think your plan is reasonable. If you expect to be in a lower tax bracket when you withdraw the funds, traditional 401k makes more sense than Roth, assuming you have equally good investment options available in your 401k.
by fujiters
Tue Apr 10, 2018 3:47 pm
Forum: Personal Investments
Topic: Early Retirement - On the fence, need sanity check
Replies: 53
Views: 10962

Re: Early Retirement - On the fence, need sanity check

I think you'll be fine, but since you're cutting it relatively close and have good reason to expect to live another 40 years, you may want to consider annuitizing your TSP.
by fujiters
Tue Apr 10, 2018 3:19 pm
Forum: Personal Investments
Topic: Please Evaluate My Portfolio and Make Recommendations
Replies: 30
Views: 1565

Re: What to do about Wife's Term Life Insurance Policy Nearing End?

So the question is, if you have no debt and we are retired and have sufficient assets to live on, do we really need life insurance anymore? No. If you have sufficient assets to live on, then by definition you are not depending on your wife's income. Thus, you don't need to insure her life. Simple. ...
by fujiters
Tue Apr 10, 2018 3:46 am
Forum: Personal Investments
Topic: Increasing tax-advantaged space?
Replies: 16
Views: 1687

Re: Increasing tax-advantaged space?

livesoft, how are you investing tax-efficiently in a taxable account? what types of things should one invest in? VEA and VTI. That's Developed Markets Index fund and Total US Market Index fund. Tax-loss harvest from time to time as the opportunity presents itself. Never realize a capital gain if it...
by fujiters
Tue Apr 10, 2018 3:32 am
Forum: Personal Finance (Not Investing)
Topic: Maryland 529 College Investment Plans
Replies: 37
Views: 5353

Re: Maryland 529 College Investment Plans

You may also be interested in the $250/year/account matching funds MD makes available: https://maryland529.com/MDMatch250.
by fujiters
Fri Apr 06, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 6238

Re: How often do you replace your office shoes?

I typically keep my "nice" shoes at the office where they should last forever with good care, as they are not exposed to the elements. I keep two pair of blacks and one pair of browns (2 out of the 3 are Allen Edmonds) under my desk and slip them on when I get to work, and take them off when I leav...
by fujiters
Thu Apr 05, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: ETFs' tax advantage over Mutual Funds?
Replies: 8
Views: 1440

Re: ETFs' tax advantage over Mutual Funds?

(Market makers are taxed differently than buy-and-hold investors, so the ETF's basis doesn't matter to them.) Do you have any additional resources on this? I was under the impression that APs get a seemingly free step up in basis by getting to mark to market the securities each time they're exchang...
by fujiters
Wed Mar 28, 2018 3:00 am
Forum: Personal Investments
Topic: Max-funding an Index Universal Life policy to the IRS limit??
Replies: 108
Views: 9112

Re: Max-funding an Index Universal Life policy to the IRS limit??

Do you work in insurance by any chance? This is my suspicion as well. ElmoHongZito, I think we need a better understanding of what you're trying to accomplish with this policy and why you've chosen IUL over other simpler methods of going after the same goals. You said you're not doing this for the ...
by fujiters
Sun Mar 25, 2018 3:29 am
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 2377

Re: How to Learn to Build a Web App

Udacity has a good learning path for this. You can watch the videos and do the exercises for free. They focus on Python, which I also recommend for web development. If the idea is as simple as it sounds, I believe you could competently execute the backend. Then, if you find yourself stumbling with s...
by fujiters
Sat Mar 24, 2018 4:06 pm
Forum: Personal Investments
Topic: Talking to a friend out of the dreaded VA policy
Replies: 11
Views: 1713

Re: Talking to a friend out of the dreaded VA policy

Question her about her goals for this VA. Is she trying to avoid taxes? Point out the IRA already provides that. Be very interested to the point that she provides you will the details and show concern about her putting her money into something she doesn't understand if she tries to get you to talk t...
by fujiters
Tue Mar 20, 2018 4:24 pm
Forum: Personal Consumer Issues
Topic: Any recommendation on non-leather dress shoes?
Replies: 16
Views: 1249

Re: Any recommendation on non-leather dress shoes?

I second the recommendation to search for canvas dress shoes. I stumbled upon fabric shoes from Tom's: http://www.toms.com/men/charcoal-speckl ... ns-brogues
by fujiters
Thu Mar 15, 2018 2:59 pm
Forum: Personal Investments
Topic: Help with 529 Accounts - Son got full scholarship!
Replies: 54
Views: 6741

Re: Help with 529 Accounts - Son got full scholarship!

Do you need the money for anything else in the near term? I'd wait until all 3 have completed their educations before considering pulling money out.
by fujiters
Sun Mar 11, 2018 2:29 pm
Forum: Personal Investments
Topic: 25YR old with considerable amount of cash
Replies: 48
Views: 7491

Re: 25YR old with considerable amount of cash

Something posted this already, but I cannot over-state... Make sure no one except your immediate family knows about this. If people find out, they will try to snuggle up to get their share. People will start asking for loans. People will start asking you to pay for things. Life will be far easier i...
by fujiters
Sun Mar 11, 2018 1:40 pm
Forum: Personal Investments
Topic: When your spouse’s risk tolerance differs from yours
Replies: 31
Views: 2988

Re: When your spouse’s risk tolerance differs from yours

The husband is more conservative than I am. And he dislikes retirement accounts, while I love them. We compromise by saving outside of retirement accounts first and just so long as those goals are met, I can funnel as much as I want into our tax deferred/advantaged accounts. The main thing is that ...
by fujiters
Sat Mar 10, 2018 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed After Rear Ended Collision
Replies: 31
Views: 4291

Re: Advice Needed After Rear Ended Collision

Will any insurance cover the CDW on the rental if I request it? Again, check the terms of your policy. If you have collision insurance, that should cover collision on the rental, and you might get secondary coverage from the credit card on which you rent. If you don't have collision insurance and y...
by fujiters
Wed Mar 07, 2018 3:46 am
Forum: Non-US Investing
Topic: I suck with my finances. (I am from EU)
Replies: 13
Views: 1292

Re: I suck with my finances. (I am from EU)

To add to what whodidntante said, I recommend doing as much of your spending with a credit card so that it can be easily imported by Mint or some other expense-tracking application. Alternatively, if you do it all on a single card, your monthly statement would be sufficient for tracking expenses. As...