Search found 1337 matches
- Fri Aug 12, 2016 11:41 pm
- Forum: Personal Finance (Not Investing)
- Topic: Paying off student loans quickly versus investing
- Replies: 23
- Views: 3081
Re: Paying off student loans quickly versus investing
I think the OP means it won't be 6.8%. After refinancing to 2-3%, you will have room to do both. But I would still prioritize loans as they otherwise will just hang over your head.
- Fri Aug 12, 2016 9:11 pm
- Forum: Personal Investments
- Topic: I am tempted to time the market
- Replies: 36
- Views: 4136
Re: I am tempted to time the market
Lost the OP.
- Fri Aug 12, 2016 9:08 pm
- Forum: Personal Investments
- Topic: Longtime Lurker Finally Ready to Bare It All ;)
- Replies: 32
- Views: 4044
Re: Longtime Lurker Finally Ready to Bare It All ;)
50k/yr to Ameriprise? That single disaster overshadows any other hard work you do.
- Fri Aug 12, 2016 1:22 pm
- Forum: Personal Investments
- Topic: I am tempted to time the market
- Replies: 36
- Views: 4136
Re: I am tempted to time the market
Good luck.
- Fri Aug 12, 2016 1:21 pm
- Forum: Personal Investments
- Topic: Portfolio Review ?
- Replies: 23
- Views: 2993
Re: Portfolio Review ?
Would get rid of volitilty and just have a more conservative allocation.
- Fri Aug 12, 2016 12:46 pm
- Forum: Personal Investments
- Topic: ROTH IRA Question
- Replies: 13
- Views: 1879
Re: ROTH IRA Question
No you can't "contribute". But you can "convert". Maybe.
- Fri Aug 12, 2016 9:58 am
- Forum: Personal Investments
- Topic: Is there any reason to wait [to do a 2016 Roth conversion]
- Replies: 21
- Views: 2667
Re: Is there any reason to wait
The shorter than livesofts answer is no.
- Fri Aug 12, 2016 9:55 am
- Forum: Investing - Theory, News & General
- Topic: Anyone else noticing the economy improving?
- Replies: 78
- Views: 8622
Re: Anyone else noticing the economy improving?
This has been going on for awhile. The pundits on TV want you to think otherwise.
- Tue Aug 09, 2016 8:48 pm
- Forum: Personal Consumer Issues
- Topic: Best Crossover SUV to purchase
- Replies: 146
- Views: 31600
Re: Best Crossover SUV to purchase
That list is all over the place...you're not even in 1 category.
- Tue Aug 09, 2016 11:07 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard - why don't I 'feel' good about them?
- Replies: 36
- Views: 5161
Re: Vanguard - why don't I 'feel' good about them?
Don't move. Fidelity = Vanguard now essentially.
- Thu Aug 04, 2016 4:57 pm
- Forum: Personal Investments
- Topic: Very late to the party.
- Replies: 10
- Views: 2503
Re: Very late to the party.
only in america is a millionaire retiree behind...
- Thu Aug 04, 2016 9:42 am
- Forum: Personal Investments
- Topic: 401K, IRA & Roth - Invest max in all
- Replies: 3
- Views: 720
Re: 401K, IRA & Roth - Invest max in all
No. It's total for both, split however you like.
- Tue Aug 02, 2016 5:47 pm
- Forum: Personal Investments
- Topic: Save for a house or keep investing or both?
- Replies: 7
- Views: 957
Re: Save for a house or keep investing or both?
your happy in your parents house, so why do you want a house? and at 23? and in LA? ugh.
maybe move out, rent somewhere interesting, and save anyways.
maybe move out, rent somewhere interesting, and save anyways.
- Tue Aug 02, 2016 5:43 pm
- Forum: Personal Investments
- Topic: Suggestions for financial goals and planning
- Replies: 17
- Views: 3025
Re: Suggestions for financial goals and planning
why a sepira vs a solo 401k? otherwise you cant backdoor roth.
i think 50K in efunds sounds plenty. but you can pick any number you feel comfortable with.
i think 50K in efunds sounds plenty. but you can pick any number you feel comfortable with.
- Tue Aug 02, 2016 5:41 pm
- Forum: Personal Investments
- Topic: Fund Selection assistance
- Replies: 4
- Views: 461
Re: Fund Selection assistance
total stock
total intl
int term municipal
total intl
int term municipal
- Tue Aug 02, 2016 12:20 pm
- Forum: Investing - Theory, News & General
- Topic: Iron Mountain (IRM)
- Replies: 6
- Views: 1057
Re: Iron Mountain (IRM)
Sounds worthless... Or worthwhile.
- Sun Jul 31, 2016 11:52 am
- Forum: Personal Consumer Issues
- Topic: Anyone else sick of AT&T internet? Suggestion needed please!
- Replies: 7
- Views: 1191
Re: Anyone else sick of AT&T internet? Suggestion needed please!
call and get moved up the chain to supervisor level. then call and call again.
can you cancel through your account online?
can you cancel through your account online?
- Sun Jul 31, 2016 11:13 am
- Forum: Investing - Theory, News & General
- Topic: Stock Screeners
- Replies: 68
- Views: 8114
Re: Stock Screeners
so no proof.bawr wrote:My record isn't long enough, and doesn't contain enough trades, to be statistically significant on its own. Interested parties would find it more beneficial to study the track records of successful long term value investors and the recent academic literature available on the subject.mega317 wrote:bawr wrote: I think LAlearning meant do you have proof that you did it. Evidence that you did it would work.
This nice article by Warren Buffett might encourage some to engage in further research:
The Superinvestors of Graham-and-Doddsville
http://www8.gsb.columbia.edu/rtfiles/cb ... tt1984.pdf
- Sat Jul 30, 2016 11:51 pm
- Forum: Investing - Theory, News & General
- Topic: Stock Screeners
- Replies: 68
- Views: 8114
Re: Stock Screeners
Do you have proof?bawr wrote:I use the paid service at valuesignals.com as my initial screener and then perform additional analysis using the free services of gurufocus.com and morningstar.com.
I mainly invest in individual stocks, with an emphasis on smaller value stocks. Over the past 13 years, this approach has beaten a passive investment in the S&P 500 by a ridiculous margin.
Any reasonably intelligent person who is willing to invest the substantial time and effort needed to learn and then implement a disciplined investment program, while avoiding common psychological pitfalls, will reap substantial rewards.
- Sat Jul 30, 2016 7:27 pm
- Forum: Investing - Theory, News & General
- Topic: Investing at stock market highs
- Replies: 52
- Views: 6941
Re: Investing at stock market highs
Put it in like you should have.
- Sat Jul 30, 2016 5:51 pm
- Forum: Personal Investments
- Topic: Portfolio Review
- Replies: 10
- Views: 1614
Re: Portfolio Review
it just looks like a random mishmash.
- Sat Jul 30, 2016 2:37 pm
- Forum: Personal Investments
- Topic: asset allocation too cash heavy: how to unwind?
- Replies: 37
- Views: 5780
Re: asset allocation too cash heavy: how to unwind?
i dont understand what you mean by "high level issue"?
- Sat Jul 30, 2016 1:55 pm
- Forum: Personal Investments
- Topic: Total bond vs Muni bond
- Replies: 3
- Views: 744
Re: Total bond vs Muni bond
there is no 20% tax bracket.
i avoid van cal muni as i dont like my eggs all in one state. i gladly pass by the additional tax savings for that peace of mind.
i avoid van cal muni as i dont like my eggs all in one state. i gladly pass by the additional tax savings for that peace of mind.
- Sat Jul 30, 2016 1:53 pm
- Forum: Personal Consumer Issues
- Topic: New Tipping Practice?
- Replies: 130
- Views: 12887
Re: New Tipping Practice?
old crank it is.
move to japan, no tipping.
move to japan, no tipping.
- Sat Jul 30, 2016 1:52 pm
- Forum: Personal Investments
- Topic: Vanguard an external ETFs
- Replies: 4
- Views: 598
Re: Vanguard an external ETFs
well that was a fun google.
- Sat Jul 30, 2016 1:49 pm
- Forum: Personal Investments
- Topic: Backdoor Roth IRA conversion tax question
- Replies: 10
- Views: 780
Re: Backdoor Roth IRA conversion tax question
just do it all at once. it will take you minimal time to save 11K (5500x2) as you make 19k/m. a savings account is fine.
contribute to tIRA for 2016 -> convert to rIRA in 2016 -> file 8606 for 2016.
contribute to tIRA for 2016 -> convert to rIRA in 2016 -> file 8606 for 2016.
- Sat Jul 30, 2016 1:45 pm
- Forum: Investing - Theory, News & General
- Topic: Stock Screeners
- Replies: 68
- Views: 8114
Re: Stock Screeners
go for it.
keep meticulous records for XIRR that you can post.
keep track of your expenses that you can post.
keep track of the time you put into this that you can post.
and we'll see.
keep meticulous records for XIRR that you can post.
keep track of your expenses that you can post.
keep track of the time you put into this that you can post.
and we'll see.
- Sat Jul 30, 2016 11:27 am
- Forum: Personal Investments
- Topic: Retiring in 6 months ...Why should I pay $13,500/year to a Financial Advisor?
- Replies: 43
- Views: 10618
Re: Retiring in 6 months ...Why should I pay $13,500/year to a Financial Advisor?
for $13,499 the bogleheads will do it....
- Fri Jul 29, 2016 7:06 pm
- Forum: Personal Consumer Issues
- Topic: Never owned a cell phone.
- Replies: 41
- Views: 4183
Re: Never owned a cell phone.
And this is a thread because?
- Fri Jul 29, 2016 9:11 am
- Forum: Personal Investments
- Topic: Trying to help my retired parents
- Replies: 16
- Views: 2289
Re: Trying to help my retired parents
There is no 20% bracket.AlwaysAStudent wrote:Are they currently in the 20% tax bracket? If not, why do they think they will have to pay 20% tax on the 401k?
It might be because he took a direct withdrawal vs rolled over to an IRA.
- Thu Jul 28, 2016 9:30 pm
- Forum: Personal Finance (Not Investing)
- Topic: Housing for newlyweds
- Replies: 18
- Views: 2497
Re: Housing for newlyweds
It sounds like there is nothing for you to buy.
- Thu Jul 28, 2016 9:19 pm
- Forum: Personal Consumer Issues
- Topic: Costco rotisserie chicken
- Replies: 271
- Views: 55349
Re: Costco rotisserie chicken
Teague wrote:To break the monotony I'm training one I picked up today. "Sit" and "stay" are coming along very nicely.
ha!
- Thu Jul 28, 2016 9:17 pm
- Forum: Personal Consumer Issues
- Topic: google sheets - so frustrating...
- Replies: 26
- Views: 4095
Re: google sheets - so frustrating...
From your example it looks like you are doing it wrong ... A la Steve jobs
- Thu Jul 28, 2016 4:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: 2 Mortgages, Student Debt, & Future Planning
- Replies: 10
- Views: 1321
Re: 2 Mortgages, Student Debt, & Future Planning
Don't you file jointly?
- Thu Jul 28, 2016 4:54 pm
- Forum: Investing - Theory, News & General
- Topic: investing in fertilizer companies
- Replies: 4
- Views: 734
Re: investing in fertilizer companies
I don't know what you want us to say...
- Tue Jul 26, 2016 9:28 pm
- Forum: Personal Consumer Issues
- Topic: Gas grill recommendations please
- Replies: 52
- Views: 6324
- Sun Jul 24, 2016 3:36 pm
- Forum: Personal Investments
- Topic: Debating on funding Roth IRA from HSA distributions - Thoughts?
- Replies: 13
- Views: 1360
Re: Debating on funding Roth IRA from HSA distributions - Thoughts?
take it from efund and replenish?
- Sat Jul 23, 2016 12:56 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to Freeze Credit
- Replies: 13
- Views: 962
Re: How to Freeze Credit
i mean, its called reading instructions.mrc wrote:Or not unchecked a box. Sleazy.LAlearning wrote:You must have clicked something by accident.
- Sat Jul 23, 2016 11:26 am
- Forum: Personal Finance (Not Investing)
- Topic: How to Freeze Credit
- Replies: 13
- Views: 962
Re: How to Freeze Credit
You must have clicked something by accident.
- Thu Jul 21, 2016 7:28 pm
- Forum: Personal Investments
- Topic: Vanguard PA Money Market
- Replies: 2
- Views: 540
Re: Vanguard PA Money Market
there is almost no reason to use a MM these days.
Ally is 1%. Start there.
Ally is 1%. Start there.
- Tue Jul 19, 2016 11:11 pm
- Forum: Personal Finance (Not Investing)
- Topic: Taxcaster for state returns
- Replies: 5
- Views: 1836
Re: Taxcaster for state returns
make your own spreadsheet.
- Tue Jul 19, 2016 11:02 pm
- Forum: Personal Investments
- Topic: help me with bonds
- Replies: 34
- Views: 4382
Re: help me with bonds
if you have so much money that you dont care about working longer or cutting back spending, then do nothing.
- Tue Jul 19, 2016 11:01 pm
- Forum: Personal Finance (Not Investing)
- Topic: Getting Disability Insurance without financial planning services
- Replies: 22
- Views: 2818
Re: Getting Disability Insurance without financial planning services
nope it was pretty easy.
- Tue Jul 19, 2016 10:09 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Voice Verification
- Replies: 21
- Views: 4392
Re: Vanguard Voice Verification
Usually not a good idea to use something that can't be changed as a password.
- Tue Jul 19, 2016 3:52 pm
- Forum: Personal Investments
- Topic: My 16 year old son wants to open a Roth IRA this year. Income minimum?
- Replies: 17
- Views: 2738
Re: My 16 year old son wants to open a Roth IRA this year. Income minimum?
This was fine many years ago, but honestly there is no reason NOT to pick the TDF over STAR at the 1K minimum if you must be at Vanguard.KlangFool wrote:I would suggest Vanguard STAR fund to start. And, when the amount reaches 3K, switch to lifestratgy Growth fund. KlangFool
- Tue Jul 19, 2016 3:20 pm
- Forum: Personal Investments
- Topic: Newbie needing help with 403b fund selection & rollover
- Replies: 6
- Views: 716
Re: Newbie needing help with 403b fund selection & rollover
I spoke with plan administrator and IRAs can be rolled into the 403b, however there are about 5K in fees if we don't wait until 5 year mark d/t the fixed interest fund selected(5%). We are both at 6 months away from 5 years. Is that a better option than moving to a non-deductible IRA? Right now we contribute to Roth IRAs directly (AGI ~170, and slow growing income with this employer). Will not be moving again or taking new jobs anytime soon d/t family situation & saturated job market in this area. I hope income grows more steadily at some point but I'm guessing we have 5+ years before needing to backdoor a Roth. Is that still preferred to roll into 403b? - excellent. move them in 6mo (thats crazy on the penalties sorry). - dbl check bu...
- Tue Jul 19, 2016 12:58 pm
- Forum: Personal Finance (Not Investing)
- Topic: mortgage vs investing
- Replies: 43
- Views: 2871
Re: mortgage vs investing
also dont forget 72t.
https://www.bogleheads.org/wiki/Substan ... c_payments
https://www.bogleheads.org/wiki/Substan ... c_payments
- Tue Jul 19, 2016 11:50 am
- Forum: Personal Consumer Issues
- Topic: Microsoft's latest "force Win10" tactic?
- Replies: 22
- Views: 3448
Re: Microsoft's latest "force Win10" tactic?
you could also just update to win10...
- Tue Jul 19, 2016 11:26 am
- Forum: Personal Investments
- Topic: Newbie needing help with 403b fund selection & rollover
- Replies: 6
- Views: 716
Re: Newbie needing help with 403b fund selection & rollover
#1) need to find a way to get rid of the traditional IRAs. would your 403b take them? then you can use a backdoor roth IRA given your income. if not, then you need to decide nondeductible IRA vs taxable account. #1.1) if not, then the iras need to be moved to vanguard or fidelity or etc. call them up and they will do the work. #2) max out your 401k #3) can you refi the SL? or pay them off from taxable before you reno the house. also use 3K to fund your 401k if you are spending too much. #4) desired AA looks fine. here is a sample portfolio: Current Retirement Assets: (430K). Left out taxable as you seem to want to spend/move it. 70% stocks with 30% of stocks international, 30% fixed income. # rounded to make easier. - US: 210K - Intl: 90K -...
- Tue Jul 19, 2016 11:21 am
- Forum: Personal Finance (Not Investing)
- Topic: mortgage vs investing
- Replies: 43
- Views: 2871
Re: mortgage vs investing
1) refinance mortgage
2) max retirement vehicles (spend from taxable to *move* money into retirement accounts)
3) then you can use the extra left over to pre-pay your mortgage if thats what you want.
2) max retirement vehicles (spend from taxable to *move* money into retirement accounts)
3) then you can use the extra left over to pre-pay your mortgage if thats what you want.