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It is currently Tue Jul 26, 2016 6:50 pm



Viewing profile - Bichon Frise

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Bichon Frise
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Joined: Fri May 04, 2012 2:23 pm
Last visited: Mon Jul 25, 2016 7:53 am
Total posts: 1068
[1.20% of all posts / 0.69 posts per day]
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Most active forum: Personal Finance
[ 968 Posts / 90.64% of user’s posts ]
Most active topic: Trying to plan for my taxes next year
[ 17 Posts / 1.59% 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: Using Credit Cards in lieu of a personal loan

Posted: Fri Jul 22, 2016 8:38 am 

Replies: 8
Views: 96


I know Lmoot will have a million caveats on why her situation is unique and why it can be expanded to the rest of the world. But, what is proposed above is poor advice for the general public.

 Forum: Personal Finance   Topic: Protection from Insurance Company

Posted: Tue Jul 19, 2016 11:31 am 

Replies: 10
Views: 158


My experience has been totally different. When I was hit by a vehicle when I was on my bicycle a couple years back, my medical insurance processed and paid all bills. They then filed a lien on any settlement I may have received, ensuring they would be made whole through any settlement or compensatio...

 Forum: Personal Finance   Topic: Credit Card Flight Miles - reality check

Posted: Mon Jun 20, 2016 12:08 pm 

Replies: 4
Views: 972


points "earned" within credit card schemes usually have a fixed value of $0.01/point if redeeming for gift cards or statement credit. So, 40,000 = $400. I have about 400,000-500,000 chase ultimate reward point and the same number in amex membership rewards. Obviously, a lot in points with ...

 Forum: Personal Finance   Topic: Help with 401k and IRA Roth

Posted: Mon Jun 13, 2016 6:51 am 

Replies: 1
Views: 747


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: 875


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: 293


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: 1134


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: 2619


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: 1848


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: 992


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: 2619


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: 1374


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: 1050


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: 1151


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...
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