Search found 1337 matches

by LAlearning
Wed Jun 22, 2016 4:44 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 5735

Re: An actual book on LastPass?

It's an extension in your browser.
by LAlearning
Wed Jun 22, 2016 4:40 pm
Forum: Personal Consumer Issues
Topic: Twist on car buying question
Replies: 9
Views: 2349

Re: Twist on car buying question

Why don't you just do what you want? The forum will either support or deny your decision.
I vote maybe if you have space and money.
by LAlearning
Wed Jun 22, 2016 4:37 pm
Forum: Personal Investments
Topic: Target Retirement Funds - Really any good?
Replies: 33
Views: 5818

Re: Target Retirement Funds - Really any good?

Sounds like you don't understand what you are investing in.
by LAlearning
Wed Jun 22, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: iPad - screen glare?
Replies: 6
Views: 895

Re: iPad - screen glare?

your reading it wrong.

get away from the light?
by LAlearning
Mon Jun 20, 2016 12:16 am
Forum: Personal Finance (Not Investing)
Topic: FICO score drops
Replies: 9
Views: 1824

Re: FICO score drops

Some scores are not out of 850...
by LAlearning
Sun Jun 19, 2016 12:08 am
Forum: Personal Finance (Not Investing)
Topic: Portfolio returns small compared to income. Typical?
Replies: 5
Views: 1098

Re: Portfolio returns small compared to income. Typical?

Make less money. It will then seem bigger.
by LAlearning
Sat Jun 18, 2016 11:59 pm
Forum: Personal Investments
Topic: Is The S&P 500 A Good Default Option?
Replies: 13
Views: 2254

Re: Is The S&P 500 A Good Default Option?

Yes. Depends on the job.
by LAlearning
Sat Jun 18, 2016 7:28 pm
Forum: Personal Consumer Issues
Topic: High End Wrist Watches (Gone Crazy)
Replies: 254
Views: 40254

Re: IWC Watch, any thoughts?

my vote: no.
by LAlearning
Sat Jun 18, 2016 6:31 pm
Forum: Personal Investments
Topic: early retiree - rollover to Wellesley Admiral?
Replies: 9
Views: 2194

Re: early retiree - rollover to Wellesley Admiral?

I wouldn't. Others would.
by LAlearning
Sat Jun 18, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: Need advice ..Lexus battery fails when car is not driven 24 hrs
Replies: 87
Views: 36491

Re: Need advice ..Lexus battery fails when car is not driven 24 hrs

agree that is weird, and sucks.

however a trickle charger is a good thing to have, and hopefully would keep you from waking up to a dead battery and delaying getting to work/etc while all this gets figured out.
by LAlearning
Sat Jun 18, 2016 4:00 pm
Forum: Personal Investments
Topic: A few beginner's questions
Replies: 7
Views: 1441

Re: A few beginner's questions

HSA?.
by LAlearning
Sat Jun 18, 2016 12:57 pm
Forum: Personal Investments
Topic: not quite typical: seeking guidance in a non-straightforward situation
Replies: 37
Views: 5250

Re: not quite typical: seeking guidance in a non-straightforward situation

What was not straight forward about the original post?
by LAlearning
Sat Jun 18, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: Overcoming the Urge to Beat the Market.
Replies: 56
Views: 8230

Re: Overcoming the Urge to Beat the Market.

Never did, so no idea.

You should try and beat the market, and hope you don't succeed.
by LAlearning
Fri Jun 17, 2016 3:29 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on bitcoin or other virtual currencies.
Replies: 7
Views: 2389

Re: Reporter doing story on bitcom or other virtual currencies.

edit title.
bitcom sounds exciting though....like the 90s dot com all over again.
by LAlearning
Fri Jun 17, 2016 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: High Credit Card Debt- Need Help
Replies: 107
Views: 22428

Re: High Credit Card Debt- Need Help

wait...you make 150k/year. and you let yourself get ~60K in CC debt? .......

and you havent told your husband....

this can only end well. this is now his problem too.
PAY THEM OFF ASAP. cut them up and tell your husband.
by LAlearning
Fri Jun 17, 2016 12:46 pm
Forum: Personal Investments
Topic: Unexpected new car need--the Roth suffered...
Replies: 10
Views: 1679

Re: Unexpected new car need--the Roth suffered...

lol. then what is the point of an emergency fund???
by LAlearning
Thu Jun 16, 2016 9:53 pm
Forum: Personal Investments
Topic: A few beginner's questions
Replies: 7
Views: 1441

Re: A few beginner's questions

There is a wiki page that goes over the difference. I prefer mutual funds. Others prefer ETFs.

Vanguard may charge account fees based on minimums which are easily waved by going to electronic statements. Otherwise that's it.
You will need to read the paperwork for your 403b.
by LAlearning
Thu Jun 16, 2016 9:48 pm
Forum: Personal Consumer Issues
Topic: Internet/WiFi speeds and costs
Replies: 54
Views: 8226

Re: Internet/WiFi speeds and costs

50/5, $39.99/mo. Charter.
by LAlearning
Wed Jun 15, 2016 2:25 pm
Forum: Personal Investments
Topic: getting married/divorced- affects on portfolios, IRAs etc?
Replies: 16
Views: 2105

Re: getting married/divorced- affects on portfolios, IRAs etc?

mj13f150 wrote:pre-nups offend some people unfortunately! maybe there are more delicate ways of having one put into place. Dunno.
Then don't marry those people!

But for the OP: that's what a prenup is for.
by LAlearning
Sun Jun 12, 2016 8:15 pm
Forum: Personal Investments
Topic: investing for my kids
Replies: 7
Views: 1265

Re: investing for my kids

529??
by LAlearning
Sun Jun 12, 2016 9:38 am
Forum: Personal Investments
Topic: Vanguard IRA & Roth Investments & Allocations
Replies: 8
Views: 1251

Re: Vanguard IRA & Roth Investments & Allocations

Your state tax rate is not correct.
by LAlearning
Fri Jun 10, 2016 10:12 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 333
Views: 43543

Re: What is your overall portfolio weighted expense ratio

0.09%....including 3 different 401k plans.
by LAlearning
Fri Jun 10, 2016 5:30 pm
Forum: Personal Investments
Topic: Maxed out 457, 403b and Roth IRA, What's next?
Replies: 3
Views: 524

Re: Maxed out 457, 403b and Roth IRA, What's next?

HSA, 529, taxable, debt, charity
by LAlearning
Thu Jun 09, 2016 2:56 am
Forum: Personal Investments
Topic: John Hancock Investment Guidance
Replies: 6
Views: 1553

Re: John Hancock Investment Guidance

S&P for US stock will be fine.

Also that 401k sucks, tell her sorry.
by LAlearning
Thu Jun 09, 2016 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Roth vs Trad 401k for me
Replies: 31
Views: 2635

Re: Roth vs Trad 401k for me

Trad. No contest.

Fire the advisor.
by LAlearning
Wed Jun 08, 2016 8:40 pm
Forum: Personal Investments
Topic: Help with Finding Advisor
Replies: 42
Views: 9187

Re: Fired by our Financial Advisor

Ha. I always chuckle at "physician finances".
by LAlearning
Tue Jun 07, 2016 1:09 am
Forum: Personal Investments
Topic: How much should I contribute to a 401a plan?
Replies: 2
Views: 713

Re: How much should I contribute to a 401a plan?

Stop the taxable. Fill 401a if possible. Cont rIRA.

Refinance your loans if not doing repaye or ibr.
by LAlearning
Sun Jun 05, 2016 10:58 pm
Forum: Personal Investments
Topic: Advice on How to Keep our Roth IRAs?
Replies: 6
Views: 1404

Re: Advice on How to Keep our Roth IRAs?

Has no one mentioned backdoor Roth IRA?

You 18k, her 18k, then each 5.5k to rIRA. File 8606 x2 with taxes. Repeat until Congress does something.
by LAlearning
Sun Jun 05, 2016 10:54 pm
Forum: Investing - Theory, News & General
Topic: BAC stock [Bank of America]
Replies: 4
Views: 873

Re: BAC stock [Bank of America]

No idea.
by LAlearning
Sat Jun 04, 2016 11:11 pm
Forum: Personal Finance (Not Investing)
Topic: Question about credit cards/credit score. Looking for help.
Replies: 16
Views: 2116

Re: Question about credit cards/credit score. Looking for help.

- you can change the due dates so they are all the same
- would keep at least 2 cards (in case one is compromised)
- this really won't affect anything when you go for your mortgage
by LAlearning
Sun May 29, 2016 3:38 pm
Forum: Personal Investments
Topic: Too much company stock
Replies: 13
Views: 1733

Re: Too much company stock

There are no tax consequences for moving money around in a 401k.
Depending on what your overall plan is, I would move all of the company stock into said plan.
by LAlearning
Sun May 29, 2016 12:40 pm
Forum: Personal Consumer Issues
Topic: Is there such thing as easy load front load washer/dryer?
Replies: 30
Views: 4225

Re: Is there such thing as easy load front load washer/dryer?

I don't know why any Boglehead would even consider a front load washer/dryer. Population density in Asia sometimes means you can't afford all the space you want and still save money. We're limited to one machine. We could stack two, but then wouldn't have a place to put dirty clothes and keep detergent etc. They save water too. But yeah I agree. Actually, the shower here has a heating unit in the ceiling so you can easily hang dry a full load of clothes. We usually dry smaller items in the combo washer/dry and hang heavier stuff or things your don't want wrinkled. (and it's just a button press to reheat the bath - and you select water temperate by button - and you can can call from the bath and... I like modern bathrooms --- toilet in one ...
by LAlearning
Thu May 26, 2016 11:46 am
Forum: Personal Finance (Not Investing)
Topic: yet another backdoor roth ira question
Replies: 3
Views: 553

Re: yet another backdoor roth ira question

This should help

thefinancebuff.com/how-to-report-backdoor-roth-in-turbotax.html
by LAlearning
Thu May 26, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Real price for a new car
Replies: 64
Views: 8488

Re: Real price for a new car

I would start with looking at a different car....
by LAlearning
Mon May 23, 2016 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much Umbrella Insurance?
Replies: 57
Views: 10664

Re: How much Umbrella Insurance?

A million is cheap. Start there.
by LAlearning
Mon May 23, 2016 2:14 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 12017

Re: What was your first investment?

Vanguard's STAR Fund. Had the lowest minimum at the time.
by LAlearning
Fri May 20, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: Is Chiropractic Medicine mumbo jumbo?
Replies: 10
Views: 2201

Re: Is Chiropractic Medicine mumbo jumbo?

And what can a chiropractor diagnose and fix that no one else can?
by LAlearning
Fri May 20, 2016 2:23 pm
Forum: Personal Investments
Topic: New Physician Looking for Advice
Replies: 22
Views: 4255

Re: New Physician Looking for Advice

Emergency funds: 3 months Debt: $300K in student loans, on track for forgiveness in 10 years - everyone will be watching the class of 2017 closely. Also this assumes 501c post residency. Tax Filing Status: Single Tax Rate: 12% Federal, 5% State - your federal is not correct. This is marginal (ie the last dollar you earn). Your choices are 10, 15, 25, etc. you are likely 15, but could be 25. Check your state tax as well. State of Residence: VA Age: 26 Desired Asset allocation: 75% stocks / 25% bonds - fine Desired International allocation: 13% of stocks (10% of overall allocation) - fine. Vanguard recommends between 20-40% of stocks. Bogle and Buffett say zero. Detailed breakdown: 45% Total Stock Market 10% Small-Cap Value 10% REIT 10% Inte...
by LAlearning
Mon May 16, 2016 9:14 pm
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 81
Views: 11411

Re: For those of you in the Accumulation Phase - How often do you check?

i check daily. its a spreadsheet. 99.998% of the time, there is nothing to do.
by LAlearning
Sun May 15, 2016 9:38 pm
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 3631

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

I mean....you are cycling the power supply but I doubt in the long run you are hurting the machine. You could also do nothing as the electricity difference is also not large.