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It is currently Fri May 27, 2016 11:14 am



Viewing profile - Bichon Frise

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Bichon Frise
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Joined: Fri May 04, 2012 2:23 pm
Last visited: Fri May 27, 2016 8:00 am
Total posts: 1060
[1.19% of all posts / 0.71 posts per day]
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Most active forum: Personal Finance
[ 960 Posts / 90.57% of user’s posts ]
Most active topic: Trying to plan for my taxes next year
[ 17 Posts / 1.60% of user’s posts ]

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Website: http://www.pfblogwatchdog.com

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Bichon Frise

"If you only have 1 year to live, move to Penn...as it will seem like an eternity."

avocado wrote:
Good to see you back, I was starting to miss your incisive commentary!

Bichon Frise Posts

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 Forum: Personal Finance   Topic: Numbers on a Different House

Posted: Mon May 23, 2016 9:36 am 

Replies: 20
Views: 637


In my semi-annual exercise to figure out how much rentals don't make sense for me, I came across a few interesting rules of thumb: *1% rule - your monthly rent should be as close to 1% of the purchase price as possible. *50% rule - 50% of your revenue (rent) goes to keeping the place going, and this...

 Forum: Personal Finance   Topic: Pay down mortgage (remove MIP), invest, save?

Posted: Wed May 18, 2016 12:29 pm 

Replies: 6
Views: 484


just curious, are you able to refi out of an FHA loan and get out of the PMI?

 Forum: Personal Finance   Topic: how to calculate your tax bracket at retirement?

Posted: Sat May 14, 2016 8:42 pm 

Replies: 11
Views: 1272


your tax bracket isn't the rate for all your income. unless youre in the bottom bracket. which case, you pay $0.

 Forum: Personal Finance   Topic: roth 401K vs 401K

 Post subject: Re: roth 401K vs 401K
Posted: Wed May 11, 2016 11:29 am 

Replies: 12
Views: 899


I think you should do the Roth option. - You can put more money away in a Roth. Technically, you think it's the same amount. but because Roth is after tax money, and you won't get taxed on withdrawal, it's effectively more savings. - Despite Obama raising our taxes, we are still in an overall low i...

 Forum: Personal Finance   Topic: Invest solo or with Brokerage?

Posted: Fri Apr 29, 2016 6:59 am 

Replies: 10
Views: 800


subscribed. I'm curious where this awesome Merrill Lynch account is? I've found Merrill Lynch to be a horrible company. My equity awards are thru them. They cut us a sweetheart deal, $100/trade + some percentage of the entire transaction. VG now takes my vested shares in kind. When I first got marri...

 Forum: Personal Finance   Topic: Does shifting allocation for retirement always make sense?

Posted: Wed Apr 27, 2016 2:29 pm 

Replies: 9
Views: 856


You'll want to do some type of shifting. Typically, retirees invest in something like VG's wellington or wellseley. They play around that 60/40, 40/60 split. So, in avocado's example and methodology, you would want like 20% bonds. But, I wouldn't recommend less the 20% bonds at that point anyway. Bu...

 Forum: Personal Finance   Topic: Need investment advice - $200k

Posted: Thu Apr 07, 2016 2:42 pm 

Replies: 18
Views: 5979


WORST. ADVICE. EVER. Educate yourself...Which,..., can easily be done in a week or 2. WORST. EXAGGERATION. EVER. Sigh! Let's see, my advice was seek out and properly vet a professional who has to be degreed and have sat for an exam (versus anyone who can hang a shingle and claim to be a financial a...

 Forum: Personal Finance   Topic: Need investment advice - $200k

Posted: Thu Apr 07, 2016 6:39 am 

Replies: 18
Views: 5979


IMHO you have enough complications and enough assets to seek true, professional advice to look at your entire financial picture. I strongly suggest a Certified Financial Planner (CFP) who you've vetted through the CFP website and picked after you've interviewed a couple (and during the interview th...

 Forum: Personal Finance   Topic: Need investment advice - $200k

Posted: Tue Mar 29, 2016 7:32 am 

Replies: 18
Views: 5979


I'm considering Robo-investors (Wealthfront, Betterment, Vanguard etc) vs a human financial manager. Can you advise on the pros/cons of robo-investors vs humans, and also the mortgage payoff etc. Also, I prefer having a wealth management firm help me since a) I'm very new to investing, and b) have ...

 Forum: Personal Finance   Topic: Need new car- need advice

Posted: Mon Mar 21, 2016 8:37 am 

Replies: 8
Views: 1422


I'd be changing my tune if the guy was struggling but clearly he has set aside cash for this. Where do we draw the line at saving and quality of life? I'm not attempting to answer this question. In fact, I've said, if someone wants a new car, go buy it. But, justifying it because of a 3rd child (ju...

 Forum: Personal Finance   Topic: Need new car- need advice

Posted: Sun Mar 20, 2016 8:35 pm 

Replies: 8
Views: 1422


Although physical space is something that can be fixed, I've found that often times it's passenger seating that's needed. If it were 2 kids, then yeah, maybe it's overkill; but you have 3 kids and that pretty much guarantees you can only ever have 1 additional passenger, unless someone is home with...

 Forum: Personal Finance   Topic: Need new car- need advice

Posted: Sun Mar 20, 2016 2:58 pm 

Replies: 8
Views: 1422


buy new car seats to fit 3 across in the crv. better to spend a $1000 or so in car seats one time than to justify buying a bigger vehicle. which, with low gas prices, the bigger vehicles are not coming cheap. a new suburban runs $60-$70k. unless you just want a bigger vehicle, then say that. but try...

 Forum: Personal Finance   Topic: How much money should a “fully-funded” 529 account contain?

Posted: Sun Mar 06, 2016 10:04 pm 

Replies: 5
Views: 1383


Did you ask your wife for your pants back? 529's are a poor use of money, imo. who knows what your kids are going to do? or what scholarships they may receive? and if they decide to snort away all you've saved for them, they'll have 10% less nose candy. Or maybe they'll have the same, and you'll eat...

 Forum: Personal Finance   Topic: Time of Year to Contribute IRA

Posted: Tue Feb 09, 2016 1:27 am 

Replies: 6
Views: 1009


invest when you have the money. IRa's are easily "undone" up until your tax filing deadline, and that includes any extension. 401ks need to be done to maximize your employer match, if any. plans vary so dig into the details. you need to research more about being sponsored by an employer pl...
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