Search found 754 matches

by Wannaretireearly
Wed Jul 07, 2010 4:26 pm
Forum: Personal Consumer Issues
Topic: Whenever you start to feel sorry for yourself
Replies: 16
Views: 4412

Thanks for sharing. Great story and message.
by Wannaretireearly
Wed Jul 07, 2010 4:15 pm
Forum: Personal Investments
Topic: More taxable space questions
Replies: 15
Views: 2536

Thanks for everyones responses. Taylor: Appreciate your feedback. Perfect advice to avoid REITS and Bonds in taxable & to continue adding to the FTSE accounts in taxable & start to reduce Intl value in the 401k. I've found the one time changes were easy for me to make. The ongoing revisions/rebalanc...
by Wannaretireearly
Wed Jul 07, 2010 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Earthquake Insurance
Replies: 39
Views: 5407

Perfect. Thanks mmmodem!
by Wannaretireearly
Wed Jul 07, 2010 12:44 pm
Forum: Personal Investments
Topic: More taxable space questions
Replies: 15
Views: 2536

I see your point livesoft.
In my simple mind would it be wrong to just target the funds, than the asset classes? I would think the funds would drive the asset classes in general. It's much easier for me to think and invest this way, because there is less to think about :)
by Wannaretireearly
Wed Jul 07, 2010 12:21 pm
Forum: Personal Investments
Topic: More taxable space questions
Replies: 15
Views: 2536

Hi Gamma & Taylor, I do have an asset allocation, it's largely the one recommended to me by retiredjg :). Here it is again: Taxable 23% 15% FTSE All World Except US Large Cap VFWIX .40% (contains Emerging Markets) 8% FTSE All World Except US Small Cap VFSVX .63% (contains EM) Company ESPP (his & her...
by Wannaretireearly
Wed Jul 07, 2010 12:24 am
Forum: Personal Investments
Topic: More taxable space questions
Replies: 15
Views: 2536

More taxable space questions

Hello folks, I've largely followed the advice provided by retiredjg in my first post here: http://www.bogleheads.org/forum/viewtopic.php?t=52812&postdays=0&postorder=asc&start=0 For new $ going into taxable accounts should I continue to put money towards FTSE intl large cap/FTSE intl sml cap? If I s...
by Wannaretireearly
Wed Jul 07, 2010 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Earthquake Insurance
Replies: 39
Views: 5407

Hi mmmodem, I'm still curious about this statement: " You can pay $20k+ in deductible to repair the home . Or you can hand the keys back to the bank without recourse (Only for a primary loan) and keep the money you would have paid in premiums and the deductible and move somewhere else. " In this sit...
by Wannaretireearly
Thu Jul 01, 2010 2:57 pm
Forum: Personal Investments
Topic: YTD Returns through 6/30/2010
Replies: 14
Views: 3619

Not sure how many times I've seen this here..."chasing past performance is a mugs game" or words to that effect...

Bogleheads would be buying stock funds on dips given the current market. No?
by Wannaretireearly
Wed Jun 30, 2010 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Earthquake Insurance
Replies: 39
Views: 5407

Hi Disco Bunny, "If you have a loan on your house . . . just about maxed out . . . and CA is a non-recourse state, I'd say taking out the insurance is useless because you could just give the keys back to the bank and say, sorry." Can you give me more details on this? Is there somewhere official this...
by Wannaretireearly
Tue Jun 29, 2010 12:47 am
Forum: Personal Consumer Issues
Topic: Preventive maintenance question [car]
Replies: 24
Views: 2641

Congrats on getting to 300k miles !!

At that mileage why not just wait until the component breaks? That's assuming that these parts are non-interference. i.e. don't cause a bigger problem than just that part failing.
by Wannaretireearly
Mon Jun 28, 2010 8:32 pm
Forum: Personal Consumer Issues
Topic: help with anniversary present
Replies: 23
Views: 2680

i like this thread. Got an anniversary coming up too!
by Wannaretireearly
Fri Jun 25, 2010 5:46 pm
Forum: Personal Consumer Issues
Topic: who is fault? [minor parking accident]
Replies: 13
Views: 3000

simple: change your car for an elderly relative. Now who is at fault?

I know someone who backed out and hit his elderly father. The father was hospitalized and died sometime later..I believe from the related injuries.

Some of us have to slooowwww down our hectic lives...
by Wannaretireearly
Sat May 15, 2010 5:13 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Thanks Livesoft. Me thinks, short term bonds is the less drastic move :)
by Wannaretireearly
Sat May 15, 2010 4:42 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

My cash savings are in an ING account (earning ~1% !)

Dont think I want any more accounts (Wellsfargo/WellsTrade) to deal with so perhaps moving investment cash into Vanguard Short term bond fund is the way to go for me.
by Wannaretireearly
Sat May 15, 2010 4:18 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

What I meant by Migrate to ETFs was: Change my current mutual funds to ETF's, with the assumption that I can immediately buy ETF's with funds from checking. Perhaps not, I'll be in the same situation right? Anytime I need to move money from checking it will take a full trading day regardless of MF o...
by Wannaretireearly
Sat May 15, 2010 4:04 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Thanks livesoft. I agree on a shorter total DCA duration, mainly cos i'm impatient by nature. Timing the market (somewhat) on down days is a problem for me as i'm using the mutual funds. It takes me a day and a half to execute a trade (funds being a direct transfer from checking). I only see two opt...
by Wannaretireearly
Sat May 15, 2010 3:19 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Wasn't sure whether to start a new thread on this... What should be the strategy when investing medium sized lumps into the taxable accounts. Every time I seem to do this (put some cash into FTSE lrg cap last week) the markets seem to misbehave soon after ;) I guess if I buy into the theory that the...
by Wannaretireearly
Fri May 14, 2010 2:59 pm
Forum: Personal Consumer Issues
Topic: Are you planning to Watch FIFA Worldcup 2010?
Replies: 97
Views: 9758

nice run down Sunny.
Greatest spectacle on Earth, no doubt. Cant wait.

IMO, global events like this should always be on free to air channels for all to enjoy. Some things just should not be subject to capitalism.
by Wannaretireearly
Thu Apr 29, 2010 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP and future tax rate increases
Replies: 9
Views: 2512

Appreciate the detail Bruce. I also found this link: http://www.stockoptionadvisors.com/optionalert/2001-09-21.shtml from a previous post: http://www.bogleheads.org/forum/viewtopic.php?p=349430 Quote from link: "Unless you are afraid the stock will decline even more and possibly become worthless, it...
by Wannaretireearly
Wed Apr 28, 2010 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP and future tax rate increases
Replies: 9
Views: 2512

In all the advice proposing to sell ESPP as soon as possible, I have not seen State income tax being considered. Even after TLH, if I have to pay STCG it would be ordinary income (33% marginal + 10% CA state). So effective tax rate close to 45%. On the other hand, LTCG would be at 15% (maybe 20% nex...
by Wannaretireearly
Wed Apr 28, 2010 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP and future tax rate increases
Replies: 9
Views: 2512

Thanks Bruce, I hope Turbotax is ready for me next year to help do the TLH calculations ! :) On the ESPP: I get a 15% discount, marginal tax rate is 33% fed, CA ~10% (this may go down to 28% next year as wife may not be working, not sure if this is a significant factor). Company seems to have bounce...
by Wannaretireearly
Wed Apr 28, 2010 12:20 am
Forum: Personal Finance (Not Investing)
Topic: ESPP and future tax rate increases
Replies: 9
Views: 2512

I think I found my answer. Answer is Yes based on the description below: (from: http://www.investopedia.com/articles/04/122704.asp) For tax-reporting purposes, the short-term gains and losses (those made in one year or less) are first netted against each other for the tax year; then long-term gains ...
by Wannaretireearly
Wed Apr 28, 2010 12:02 am
Forum: Personal Finance (Not Investing)
Topic: ESPP and future tax rate increases
Replies: 9
Views: 2512

Thanks I did read through older posts on this topic. General consensus was to sell ESPP as soon as possible. One follow up question: Can I Tax Loss Harvest by using capital gains loss (~$6k this year) to offset short term cap gains from an ESPP sale this year? I've read through the wiki, and it does...
by Wannaretireearly
Tue Apr 27, 2010 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Where to retire?
Replies: 27
Views: 4625

Thanks Huey and sleepless for the informative links..
by Wannaretireearly
Tue Apr 27, 2010 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: ESPP and future tax rate increases
Replies: 9
Views: 2512

ESPP and future tax rate increases

As a rule, I've been selling ESPP for me and my wife after the 2 year period, in order to get preferential tax treatment (LT Cap gains). I'm having a difficult time thinking about whether I should change this strategy given the tax increases starting next year. Considerations: 1. LT Cap gains going ...
by Wannaretireearly
Mon Apr 26, 2010 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Where to retire?
Replies: 27
Views: 4625

As always, great responses from all! The Wizard: I have been to FL & Miami area three/four times now in Summer and Winter. I have an idea of the great winter weather and hot & humid summer weather. I would imagine staying in FL only during the winter for 2-4 months. YellowJacket: I hear you. This wo...
by Wannaretireearly
Sat Apr 24, 2010 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Where to retire?
Replies: 27
Views: 4625

Where to retire?

Heres me dreaming/planning.. After accumulating a bunch of moolah and deciding to retire early in 20 odd years time (~55-60 yrs old) where should I retire? Need to move to a low/no income area, so: option 1: Florida. After some thought with the wife, it would likely be Florida (Fort Lauderdale area?...
by Wannaretireearly
Sat Apr 24, 2010 1:14 am
Forum: Personal Finance (Not Investing)
Topic: Why Are We the Way We Are?
Replies: 66
Views: 8719

Interesting thread. Like some others, the answer for me is my parents and upbringing. I grew up in a middle class household where my mum was frugal, and my Dad was about getting "value for money". The difference was my mum would always choose the cheapest option, my Dad would recognize quality where...
by Wannaretireearly
Wed Apr 14, 2010 12:55 am
Forum: Personal Consumer Issues
Topic: buying a nearly new car
Replies: 25
Views: 3909

james22 wrote:2005 Porsche GT3. ~3,000 miles. MSRP ~$115,000. Price ~$60,000.
sweet deal!
by Wannaretireearly
Tue Apr 13, 2010 4:44 pm
Forum: Personal Consumer Issues
Topic: buying a nearly new car
Replies: 25
Views: 3909

I am finding that a lot of the used cars are actually pretty expensive (relatively) and my thought is that downturn is putting more pressure on used cars (more people buying them) thus propping used car prices up. Interesting to hear your experience, I had not thought of it this way. I would've tho...
by Wannaretireearly
Tue Apr 13, 2010 4:25 pm
Forum: Personal Consumer Issues
Topic: buying a nearly new car
Replies: 25
Views: 3909

buying a nearly new car

Folks, We know the financial benefits of buying a one or two year old car (nearly new). In theory, a significant discount off the new car price. Question: Where do you go to buy (online? dealership?) nearly new cars reliably, and what negotiation tricks have you successfully used for buying nearly n...
by Wannaretireearly
Mon Apr 12, 2010 9:08 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

To be honest, bonds is an area I really don't know much about (short term, long term, foreign, yields, interest rate factors, risky bonds, junk etc etc). It's a knowledge gap I need to fill in order to be more comfortable with bonds. Here's a short intro till you get more knowledge: Short term goal...
by Wannaretireearly
Mon Apr 12, 2010 9:06 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Hmmm, not sure I want to rollover to my current 401k. Current plan doesn't seem to be great. I guess I could keep the old 401ks where they are in order to do the "back door" roth this year. Yes, if the old 401 plans are good, you can do that. Be sure to know about ALL the fees you are paying. If yo...
by Wannaretireearly
Mon Apr 12, 2010 7:13 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

One thing I forgot. If you roll the old 401s into His current 401, then He can use the Roth back door maneuver too. The new 401 would have to accept the money (some do, some don't) and it may or may not be able to be taken out at a later date and rolled into IRA (rules of the new 401 would apply). ...
by Wannaretireearly
Mon Apr 12, 2010 7:03 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

I don't believe you fully understand the value of bonds. Here is a link that discusses it thoroughly. You really need more than 10% bonds. http://www.bogleheads.org/forum/viewtopic.php?p=538014 Thanks for pointing me to this link. I now see more of the benefits of holding bonds. I will heed the adv...
by Wannaretireearly
Mon Apr 12, 2010 6:41 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

One thing that pops up - your math seems to have a glitch. In going from the old percentages to the new percentages, the taxable and ESPP dropped just a bit, but the total of the 401s dropped considerably (54% down to 32%). Is there an account left out? Or is it possible there is a math mistake? So...
by Wannaretireearly
Sun Apr 11, 2010 10:41 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Wanna, sorry for the delay. I guess it is not clear. I think you are saying the old Roth 401 is not included in the original portfolio you posted, but the other two old 401's were included in the portfolio and you put them in the new 401. Is that correct? If the old 401s are not yet actually IN the...
by Wannaretireearly
Sat Apr 10, 2010 1:47 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Hi retiredjg, What vanguard funds would you recommend in the rollover IRA account? A similar AA split to your recommendation below for the current 401k account? 28% (~50% of 401k) SPARTAN 500 INDEX (FUSEX) (ER:0.10%) 20% (~40% of 401k) FIDELITY GOVT INCOME (FGOVX) (ER:0.45%) 6.3% (~10% of 401k) VANG...
by Wannaretireearly
Fri Apr 09, 2010 4:26 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Folks, I am going to rollover my bad roth IRA (ER: ~2%) & an old 401k roth into Vanguard accounts next week. Based on retiredjg's advice I'm thinking of putting the two roth rollovers into (~$13k total): Vanguard Small-Cap Value Index Fund (VISVX). I'm also looking into "back door" Roth for this yea...
by Wannaretireearly
Thu Apr 08, 2010 12:42 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Thanks again retiredjg. The wiki page helps. I'll look into the "back door" roth to increase my space there, sooner rather than later... I understand the reasoning behind this allocation (driven by portfolio AA and low ER), the one fund I wanted to re-visit is TRP MID CAP GROWTH (RPMGX) (ER:0.83%). ...
by Wannaretireearly
Thu Apr 08, 2010 12:32 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Thanks for these tips retiredjg.. Question: I elected to reinvest gains/dividends. is this ok? I think I can change this option when I want to. I think most people here do not reinvest, but send the money to a money market account. Then once a year, reinvest in the fund that needs it the most. That ...
by Wannaretireearly
Wed Apr 07, 2010 5:43 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Now that I have the taxable side of the house more efficient (except, the minor reinvest gains/dividends question for the FTSE index funds), I want to move on to plan corrective action for my 401k (step 2 ;)). Going by the plan laid out by retiredjg, I should have my 401k allocated something like th...
by Wannaretireearly
Wed Apr 07, 2010 3:25 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Update: I've converted my two taxable funds to the two FTSE index funds (large cap, small cap).

Question: I elected to reinvest gains/dividends. is this ok? I think I can change this option when I want to.

Step 1 of my 5 step get well plan completed ;)
by Wannaretireearly
Wed Apr 07, 2010 11:57 am
Forum: Personal Investments
Topic: Wondering if I'm off-track?
Replies: 45
Views: 5599

Great advice for anyone new here from Livesoft.. In such a situation, you can have all equities and stocks in your taxable account. The account can go up and down in value (it can be volatile) without any chance that you won't be able to meet a goal. In this case, you can follow the tenets in this l...
by Wannaretireearly
Mon Apr 05, 2010 2:17 pm
Forum: Investing - Theory, News & General
Topic: Bonds in the 'danger zone'
Replies: 32
Views: 5530

Bonds in the 'danger zone'

What do our resident experts think of this money/fortune article? http://money.cnn.com/2010/04/05/news/economy/fed.rates.fortune/index.htm Does it change any thinking of using bonds in the short term? I'm guessing the consensus long term viewpoint (retirement accounts) will likely not change about u...
by Wannaretireearly
Mon Apr 05, 2010 1:03 am
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

I'll take a fresh look at this next week: I may indeed pick up the FTSE small cap fund. Good point that the fees may change as the fund becomes more established: likely that the sell fee will go away. Is it documented anywhere that Bogle guarantees this maturity process for new funds ;)
by Wannaretireearly
Sat Apr 03, 2010 2:02 am
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Thanks for your help retiredjg. This gives me a few options to tweak my fund choices for tax efficiency & low cost. Cheers!
by Wannaretireearly
Fri Apr 02, 2010 5:04 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Company is around $12bn market cap. I think that just about puts it in the large-cap category. I like the split between intl stock (30%) vs domestic stock (50%) vs bond (20%) for this portfolio. I would like to keep the same set of 401k funds for me and my wife. That could be achieved with a little ...
by Wannaretireearly
Fri Apr 02, 2010 1:00 pm
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Thanks guys. I will be moving into Total Stock Market Index (VTSMX) & FTSE All-World-US (VFWIX) for the taxable account next week. This should give me a tax loss (~6k) I can use for the next two tax years. Now if you have any diamond advice for my 401k options that will complete my picture for now. ...
by Wannaretireearly
Fri Apr 02, 2010 12:01 am
Forum: Personal Investments
Topic: Vanguard stock funds in taxable accounts?
Replies: 59
Views: 9650

Sounds promising retiredjg... I think I am learning more about tax harvesting here for taxable accounts! What is the thought of also adding some Emerging Markets Index (VEIEX) in the mix for the taxable account? I don't think I have exposure to emerging anywhere else. Plus, once I've fixed these tax...