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It is currently Tue Jun 28, 2016 2:36 am

Viewing profile - Bichon Frise

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Bichon Frise
Joined: Fri May 04, 2012 2:23 pm
Last visited: Mon Jun 20, 2016 12:47 pm
Total posts: 1065
[1.20% of all posts / 0.70 posts per day]
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Most active forum: Personal Finance
[ 965 Posts / 90.61% 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


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: Help with 401k and IRA Roth

Posted: Mon Jun 13, 2016 6:51 am 

Replies: 1
Views: 397

no bonds? no international? you should have a desired asset allocation, which includes some amount of bonds, and you should rebalance at least annually to maintain that asset allocation. Not what you contribute, but what your accounts actually are. With a relatively low balance, you don't need to bu...

 Forum: Personal Finance   Topic: Early Retirement Planning - All feedback welcome

Posted: Fri Jun 03, 2016 9:36 pm 

Replies: 8
Views: 717

target funds, or funds of funds, can be beneficial if your nest egg is pretty simple. But, as you are most likely figuring out, it may be better to invest in the funds you need, in the proportion you need it over various accounts. So, what are your 401k options? and have you read about tax efficient...

 Forum: Personal Finance   Topic: To tax or not to tax

 Post subject: Re: To tax or not to tax
Posted: Fri Jun 03, 2016 9:27 pm 

Replies: 1
Views: 277

i truly believe you can benefit tax and penalty wise by rolling over the funds to an IRA, which is generally advisable. The reasoning being, the 401k's rules may complicate things, although, I think if you've separated from employment they really can't get in the way. the money you contribute to a r...

 Forum: Personal Finance   Topic: Emergency Fund?

 Post subject: Re: Emergency Fund?
Posted: Thu Jun 02, 2016 9:23 pm 

Replies: 3
Views: 795

reading between the lines, and I could be wrong, but you are more or less disappointed with the returns on that $40k. I do think, 1 year minimum in cash, but that is just me. We have a couple years saved up. A couple thoughts to ponder: 1) as your nest egg grows, the percentage of that nest egg earn...

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

Posted: Fri May 27, 2016 8:00 am 

Replies: 12
Views: 2424

Are you going to pull all the nuances out of the tax code to prove how your against the grain nomenclature makes sense? Would you argue that capital gains and qual divs are "earned income" if one is in the 15% and the qual divs push them up into the 25% bracket? We have established and kno...

 Forum: Personal Finance   Topic: Numbers on a Different House

Posted: Mon May 23, 2016 9:36 am 

Replies: 20
Views: 1765

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: 962

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: 12
Views: 2424

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: 1335

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: 937

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: 1014

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: 23
Views: 7821

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: 23
Views: 7821

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: 23
Views: 7821

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 ...
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