Search found 1032 matches

by investor1
Mon Feb 01, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirement Next Week... Tips?
Replies: 30
Views: 5017

Re: Early Retirement Next Week... Tips?

It'd be nice to know what he ended up doing... It seems like it would be easier to roll the IRAs into the 401k (if the plan allows) than vice versa since he is already over age 55 and therefore has access to 401k funds w/o penalty. Even if he didn't make a move there, he has plenty in his 401k and t...
by investor1
Mon Feb 01, 2016 1:12 pm
Forum: Investing - Theory, News & General
Topic: Early Retirement w/ Tax Advantaged Accounts
Replies: 3
Views: 1414

Early Retirement w/ Tax Advantaged Accounts

I came across this post on Reddit that explains a number of options for withdrawing money from a tax advantaged account prior to age 59.5 w/o penalty. Many people here likely already know this as much of it is covered on the wiki (https://www.bogleheads.org/wiki/Early_retirement), but I learned some...
by investor1
Mon Feb 01, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Forming LLC to buy condo?
Replies: 20
Views: 2403

Re: Forming LLC to buy condo?

Is he flipping the place?
by investor1
Mon Feb 01, 2016 6:15 am
Forum: Personal Finance (Not Investing)
Topic: Mint...working less, and less, and less
Replies: 42
Views: 9396

Re: Mint...working less, and less, and less

How many sites are you willing to give all your financial passwords to? Zero. Where does it say that you must give them access to all of your financial accounts? Most people that I know that have used Mint do so for the purpose of tracking their spending which mean giving Mint access to your credit...
by investor1
Mon Feb 01, 2016 6:08 am
Forum: Investing - Help with Personal Investments
Topic: 401k/IRA - Switching Employers
Replies: 4
Views: 564

Re: 401k/IRA - Switching Employers

You did not provide enough information to provide an answer. We would have to know the investment options and expense ratios in your old 401k, new 401k, and IRAs as well as your income level, filing status, and the state that you file in. The first thing I would do is to check out the investment opt...
by investor1
Mon Feb 01, 2016 5:50 am
Forum: Investing - Help with Personal Investments
Topic: Advice/Opinion on 401k and Roth
Replies: 6
Views: 798

Re: Advice/Opinion on 401k and Roth

If I were you, I would set my AA across my portfolio rather than in each account. Your wife has very cheap access to the S&P 500 and Russell 3000 funds. Given how you have described the asset value of each account, it is tough to say how much to put into these. I would approximate the total stock ma...
by investor1
Sun Jan 31, 2016 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Help
Replies: 7
Views: 878

Re: 401k Help

I'm no expert on how to handle investments while living in the US when you might be moving elsewhere, so I'll leave that to others. I do know what you should do is to pay off that mortgage debt at 9.5%. Do that before investing. Maybe you'll know the answer to the rest of your question by the time ...
by investor1
Sun Jan 31, 2016 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: 23 Year Old - New Investor
Replies: 4
Views: 715

Re: 23 Year Old - New Investor

Yes, pay off those loans. Once that is taken care of, build an emergency fund. After that, ramp up your retirement savings as life allows.
by investor1
Sun Jan 31, 2016 3:29 am
Forum: Investing - Help with Personal Investments
Topic: 401k Help
Replies: 7
Views: 878

Re: 401k Help

I'm no expert on how to handle investments while living in the US when you might be moving elsewhere, so I'll leave that to others. I do know what you should do is to pay off that mortgage debt at 9.5%. Do that before investing. Maybe you'll know the answer to the rest of your question by the time y...
by investor1
Sat Jan 30, 2016 11:46 am
Forum: Investing - Theory, News & General
Topic: Who else is holding in cash? [For future investing]
Replies: 66
Views: 7218

Re: Who else is holding in cash?

I'm holding a lot in cash and looking for a good time to buy... a nice house.
by investor1
Sat Jan 30, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth VASGX & Target Retirement 2035 VTTHX for IRA's
Replies: 11
Views: 2825

Re: Vanguard Lifestrategy vs Target Fund

Are the TD funds already in their glide path, or are they so far out that they are just sitting at a 90/10 split?

If they are in their glide path, why do you want some of your assets shifting AA while others sit at a specific AA?
by investor1
Sat Jan 30, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: First 401k
Replies: 8
Views: 928

Re: First 401k

Are the target date funds in the 401k bad?
by investor1
Sat Jan 30, 2016 11:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard introducing 0.01% expense ratio funds
Replies: 24
Views: 5584

Re: Vanguard introducing 0.01% expense ratio funds

Meh, I don't have access to that. My 401k has access to CITs for the TSM and TBM that come in at ERs of 0.03% and 0.02%. I'll stick with those.
by investor1
Thu Jan 28, 2016 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead here, How am I doing
Replies: 5
Views: 860

Re: New Boglehead here, How am I doing

That rainy day fund is my emergency fund and only for emergency use, but do you think I should put more into it then? Make sure you have at least three months worth of expenses in your EF. If you think there is a likelihood that you may have an emergency (or set of emergencies around the same time)...
by investor1
Thu Jan 28, 2016 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: new boglehead
Replies: 16
Views: 1883

Re: 23 year old.. new boglehead

1. Can someone explain why putting 500 into an IRA is better than putting it into my taxable account? The money I'm putting is coming from my income which has already been taxed, so in both scenarios I'd only be taxed on my future gains? If you are talking about a Roth IRA, you will not be taxed on...
by investor1
Thu Jan 28, 2016 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: 2dayshippingbymastercard service, can use in walmart
Replies: 2
Views: 501

Re: 2dayshippingbymastercard service, can use in walmart

Shipping to the store is free. They also use to allow you to ship to Fedex for free. I'm not sure if they still do.
by investor1
Thu Jan 28, 2016 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: new boglehead
Replies: 16
Views: 1883

Re: 23 year old.. new boglehead

Another question, I do not have a savings account.. I just consider my investments and my emergency fund as my savings account.. And have a single checking account with around 5k in it. I feel like this is too high. Should i bring this down to all I'll need to pay the bills and invest the rest, or ...
by investor1
Thu Jan 28, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation
Replies: 5
Views: 428

Re: Help with asset allocation

AA is totally up to you. It is whatever helps you achieve your goals while staying the course and sleeping well at night. What do you think your AA should be?
by investor1
Thu Jan 28, 2016 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: 23-Year-Old Investors Need Advice
Replies: 13
Views: 1316

Re: 23-Year-Old Investors Need Advice

The only things I will add to Duckie's post are that you can forego the bond fund in the 401k since it is expensive. Instead, hold your bonds in your Roth IRA. The Vanguard Total Bond Market ETF would be a good choice. Also, I think you have the right idea about getting the match, then contributing ...
by investor1
Thu Jan 28, 2016 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead here, How am I doing
Replies: 5
Views: 860

Re: New Boglehead here, How am I doing

If that's what you want, you did fine. A few things: 1. You mentioned debt. If it is high interest, pay it off. 2. You mentioned a rainy day fund which seems to imply money that you'll spend at some point when you feel like it, but didn't mention an emergency fund. You should have an emergency fund ...
by investor1
Thu Jan 28, 2016 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Best fund to buy for 23 year old roth IRA
Replies: 15
Views: 3007

Re: Best fund to buy for 23 year old roth IRA

If you're 23 now, you'll be 67 in 2060. Is that when you want to retire?
by investor1
Thu Jan 28, 2016 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Sell Home and Invest Proceeds or Stay Put?
Replies: 41
Views: 3850

Re: Sell Home and Invest Proceeds?

barnaclebob wrote:If you have a renter covering the mortgage and the HELOC will be paid off this year I think you'd be crazy to play the renting game in the bay area.
This sounds right to me.
by investor1
Thu Jan 28, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: wife needs phone. Android, iPhone or Windows phone?
Replies: 49
Views: 4644

Re: wife needs phone. Android, iPhone or Windows phone?

I have never met anyone who has a Windows phone that is happy with it. I think that business model proved to be a bust for MS. I'd recommend going with an Android phone and switching over from MS services to Google services like GMail for email and Hangouts for text messages and video calls. If you ...
by investor1
Thu Jan 28, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Eating money eating out! Going on a 401k diet. Help!
Replies: 27
Views: 3774

Re: Eating money eating out! Going on a 401k diet. Help!

As others have mentioned, setup a budget. To do so, it helps to know where your money is currently going so you can figure out where to cut expenses to increase savings. You might want to consider using Mint.com to help you do this. It will allow you to categorize your spending and will send you ale...
by investor1
Wed Jan 27, 2016 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Roth VS Trad 401k
Replies: 12
Views: 1553

Re: Roth VS Trad 401k

What is your question? Is it whether it is better for you to use a traditional 401k or a Roth 401k? If so, the answer depends on whether or not you think your tax rate is lower now or will be lower when you start taking distributions from these accounts. Pay the tax bill when you think it will be lo...
by investor1
Wed Jan 27, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: File taxes via mail or electronically
Replies: 87
Views: 8387

Re: File taxes via mail or electronically

Given the massive amount of fake tax returns filed in recent years, I would think everyone would want to file their real tax returns ASAP to beat the thieves to the punch. Doing so by mail would be much slower than doing so electronically.
by investor1
Wed Jan 27, 2016 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: When should I make Roth IRA contribution? (Not sure I'll need the Backdoor)
Replies: 3
Views: 332

Re: When should I make Roth IRA contribution? (Not sure I'll need the Backdoor)

Just make it whenever you have the money. If you end up going over the limit, you can recharacterize the contribution later.
by investor1
Wed Jan 27, 2016 12:30 pm
Forum: Personal Consumer Issues
Topic: Best Netflix/YouTube interface for the Big Screen?
Replies: 44
Views: 3498

Re: Best Netflix/YouTube interface for the Big Screen?

I have a recent model smart tv with both the netflix and youtube apps that work wonderfully. I have the router in the living room, so the tv is hard wired into it. In the past, I have had an Xbox One that had those apps and worked wonderfully. With the Xbox One, you can also use voice controls to pl...
by investor1
Wed Jan 27, 2016 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Who came closest to a $0 [taxes due]?
Replies: 62
Views: 5549

Re: Who came closest to a $0 [taxes due]?

In November 2014, I predicted that we would owe "0" on both the federal and state tax returns for TY 2005. In January 2015, the DW hounded me and hounded me to make an estimated payment as she "did not want to go to jail" as she had "0" withheld on her pay. I paid $750 to keep the peace. At this po...
by investor1
Tue Jan 26, 2016 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Who came closest to a $0 [taxes due]?
Replies: 62
Views: 5549

Re: Who came closest to a $0 tax return?

Are you talking total 2015 taxes or just talking about the refund/debit amount? My goal is never to have a $0 due at time of taxes. I'd like to owe a couple thousand so I am getting an interest free loan from the government throughout the year. But my income is variable and thus so is the amount of...
by investor1
Tue Jan 26, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: State of Oregon Form 1099G
Replies: 4
Views: 1303

Re: State of Oregon Form 1099G

Yes, your state tax return is taxable as earned income by the federal government when you itemize your federal tax return in the year prior to receiving the returns, thus the 1099. You did technically receive the return, you just choose to use it to pay the same people who gave it to you and they ma...
by investor1
Tue Jan 26, 2016 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Who came closest to a $0 [taxes due]?
Replies: 62
Views: 5549

Who came closest to a $0 [taxes due]?

Negative or positive, who's closest to zero this year? I did pretty well. I owe the feds some money and the state owes me slightly more than I owe the feds. Between the two, I'm getting $9 back. I know there are likely people on this board living off of investment income that likely hit $0 on the do...
by investor1
Tue Jan 26, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: File taxes via mail or electronically
Replies: 87
Views: 8387

Re: File taxes via mail or electronically

[...] Also, keep in mind that you can download previous returns from the feds online if you don't still have a copy. Actually, to get an actual copy of your tax return from the IRS costs $50 per return, must be requested by mail using Form 4506, and is only available for the 6 previous tax years. Y...
by investor1
Tue Jan 26, 2016 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: File taxes via mail or electronically
Replies: 87
Views: 8387

Re: File taxes via mail or electronically

Both my state and the feds offer free e-file for everyone. I typically use whatever online software I can find that will allow me to calculate my returns for free, then shoot over to the free e-file sites and fill in those forms using the former to check my math and make sure I don't miss anything. ...
by investor1
Tue Jan 26, 2016 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: Tax treatment of fully vested RSUs
Replies: 4
Views: 601

Re: Tax treatment of fully vested RSUs

I received my w2 today. My RSUs appear in box 12 with the letter code, V, which TurboTax says is "Your income from the exercise of non-statutory stock options. This amount is included in Box 1 of your W-2. If you have this code on your W-2, you cannot file a Form 1040EZ.", and the amount is indeed i...
by investor1
Sun Jan 24, 2016 2:33 pm
Forum: Investing - Theory, News & General
Topic: 30Yr Mortgage or Sell Mutual Funds and Purchase House
Replies: 27
Views: 3203

Re: 30Yr Mortgage or Sell Mutual Funds and Purchase House

You might not expect to make a lot off of your current assets in the next decade, but 1) you don't really know that will be the case, 2) how will those assets perform after the next decade, and 3) you know that mortgage rates are currently low. It doesn't take much of a stretch of the imagination to...
by investor1
Wed Jan 20, 2016 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Tax treatment of fully vested RSUs
Replies: 4
Views: 601

Re: Tax treatment of fully vested RSUs

Thanks for the response! I'll keep an eye on for it on my w2 when I get it.
by investor1
Wed Jan 20, 2016 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Tax treatment of fully vested RSUs
Replies: 4
Views: 601

Re: Tax treatment of fully vested RSUs

Ah, apparrently the company that holds the stock is suppose to send me a 1099-B by Feb. 15th. I'd still like to know which form to input the data to. Is it all in Schedule D?
by investor1
Wed Jan 20, 2016 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Tax treatment of fully vested RSUs
Replies: 4
Views: 601

Tax treatment of fully vested RSUs

I was given RSUs by my company that, as of 2015, are now fully vested. I was emailed a link to download the "tax form" by the company that holds the shares. I expected it to be a 1099-* something or other, but it just seems to be a form they made up. Though it likely has all the information I need t...
by investor1
Mon Dec 14, 2015 1:17 am
Forum: Personal Consumer Issues
Topic: Boglehead cell phone strategy
Replies: 143
Views: 21111

Re: Boglehead cell phone strategy

I buy whichever phone I want on my own. The only thing you have to be careful/knowledgeable of is the bands/frequencies of whichever carrier you use which is easily available via a simple google search. Then make sure the phones you are shopping for support those bands so you'll get the best coverag...
by investor1
Tue Nov 10, 2015 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Large down payment on house?
Replies: 23
Views: 3724

Re: Large down payment on house?

Thank you, all, for the advice!
by investor1
Mon Nov 09, 2015 11:05 pm
Forum: Personal Finance (Not Investing)
Topic: Large down payment on house?
Replies: 23
Views: 3724

Re: Large down payment on house?

prime borrowers usually can get mortgages without prepayment penalties, so if the rate on a 10-year fixed ends up higher than on a 15-year, another option to consider, as long as one makes sure about such penalties' absence (and I suggest reading the note oneself, at the closing table, even if the ...
by investor1
Sun Nov 08, 2015 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Large down payment on house?
Replies: 23
Views: 3724

Re: Large down payment on house?

Solution? Pay 20% down at closing and then the rest immediately afterwards This is inferior to putting more down at closing, because it delays the benefit. If you put 30% down at closing, you reduce your mortgage balance by 1/8 before it is amortized, so you get a benefit of paying 1/8 less every m...
by investor1
Sun Nov 08, 2015 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Large down payment on house?
Replies: 23
Views: 3724

Re: Large down payment on house?

Penfed's cost estimator is telling me a 10 year loan given my probable purchase price and down payment would get me a rate of 2.75%. I'm not very concerned with that rate.
by investor1
Sun Nov 08, 2015 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Large down payment on house?
Replies: 23
Views: 3724

Re: Large down payment on house?

Lenders are interested in whether you'll pay back the loan. They're also interested in how much equity you stand to lose in the event they foreclose. A large downpayment will improve both of those factors. You're likely to get responses questioning whether you should put a lot down, not whether doi...
by investor1
Sun Nov 08, 2015 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Large down payment on house?
Replies: 23
Views: 3724

Re: Large down payment on house?

Thanks for your response, grabiner. The asking price of the houses that I am looking at are noticeably below what is reported as MVR (market value rate) on the property tax documents for this year (which is public information and posted on the county website), and similar homes in the neighborhood h...
by investor1
Sun Nov 08, 2015 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Large down payment on house?
Replies: 23
Views: 3724

Large down payment on house?

I'm considering purchasing a townhouse as the first home that I would own. I have been saving for a down payment for years. Honestly, I have had enough money saved for a significant amount of time, but I kept saving just as aggressively as I was. I now have far more than I need for a down payment. M...
by investor1
Sun Aug 30, 2015 11:13 pm
Forum: Personal Consumer Issues
Topic: Air Conditioner Maintenance
Replies: 13
Views: 2396

Re: Air Conditioner Maintenance

If it as been that long, I'd check it out. Tell them you are specifically concerned about things that might be covered by the warranty. Do it ASAP since it will likely take them time to approve it (well, deny > appeal > maybe approve it).
by investor1
Sun Aug 30, 2015 9:36 pm
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 571
Views: 133738

Re: That Frugal Thing You Do

I use a pay per usage based cell phone provider and VoIP services along with Google Voice for texting and am on WiFi whenever I am home or at work. These things keep my usage low, and my cell phone bill is around $22/month. I go to a gym that costs $10/month. I've been brown bagging my lunches more ...
by investor1
Sun Aug 30, 2015 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is This Contributing To Much To Retirement?
Replies: 12
Views: 2074

Re: Is This Contributing To Much To Retirement?

If you are happy with your life at your current spending level, then you can't possibly save too much for retirement. You can only retire later than you needed to. If you are going to retire early, keep in mind there are age requirements for getting the money out of a tax advantaged account without ...