Search found 20 matches

by noktem
Thu May 14, 2015 11:30 am
Forum: Personal Investments
Topic: Employer Contribution 60%?
Replies: 29
Views: 2499

Re: Employer Contribution 60%?

This sound right? Certain places will match up to 60%? I always thought the highest ranged from like 8-12%.. Assuming you are talking about something like a 401k, I think you are getting confused of the percentages. Most places match a percentage of your pay while others match a percentage of your ...
by noktem
Fri Dec 05, 2014 1:19 pm
Forum: Investing - Theory, News & General
Topic: Someone tried to login to my vanguard account yesterday
Replies: 38
Views: 11335

Re: Someone tried to login to my vanguard account yesterday

Assuming the person doesn't have your password, I'm surprised that vanguard asked for the 2 factor authorization before a proper login. If they DO have your password, that indeed would be troubling...
by noktem
Wed Jul 23, 2014 6:19 pm
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 10660

Re: Best Coffee Maker? What do you have?

Another vote for either the aero press or clever. Either one of these will make better coffee than any machine :)
by noktem
Thu Jul 17, 2014 12:49 am
Forum: Personal Investments
Topic: Total Bond Market vs Muni
Replies: 6
Views: 1271

Re: Total Bond Market vs Muni

When you say you prefer maximum gains I assume you mean within a tax free Roth IRA. Do you also have a Tax Deferred vehicle such as a 401k?
by noktem
Thu Jul 10, 2014 11:41 am
Forum: Personal Investments
Topic: Should I stop contributing to non-deductible traditional IRA
Replies: 8
Views: 1395

Re: Should I stop contributing to non-deductible traditional

How are the 401k options with your new employer? You could roll everything in there if they are reasonable.
by noktem
Thu Jul 10, 2014 11:36 am
Forum: Personal Investments
Topic: Vanguard Target Fund in 401k vs Rollover IRA
Replies: 2
Views: 512

Re: Vanguard Target Fund in 401k vs Rollover IRA

My current employer has similar costs, I chose to roll all of my old IRA and 401k accounts into my current 401k precisely for this reason :sharebeer
by noktem
Wed Jul 09, 2014 10:55 am
Forum: Investing - Theory, News & General
Topic: The value of a ROTH conversion in retirement
Replies: 21
Views: 3914

Re: The value of a ROTH conversion in retirement

The biggest factor for me is to reduce RMDs as will as your current tax bracket and the amount left to "fill" in your current bracket. Without more information it really is hard to say.
by noktem
Fri Jul 04, 2014 1:08 pm
Forum: Personal Consumer Issues
Topic: Adult child @ home
Replies: 23
Views: 3143

Re: Adult child @ home

It seems to me you and your wife have very different views on parenting. There are deeper issues than merely how best to deal with your daughter. It seems fundamentally your wife is focused on setting your daughter up to succeed by removing any financial burdens and barriers, while you are more inte...
by noktem
Mon Jun 16, 2014 11:32 am
Forum: Personal Investments
Topic: Schwab 401k vs Vanguard IRA
Replies: 8
Views: 1401

Re: Schwab 401k vs Vanguard IRA

What does your income look like with respect to IRA contribution limits? If you ever plan on doing a backdoor into a Roth IRA it would be much easier if you were able to roll the 401k to your new 401k.
by noktem
Mon Jun 09, 2014 12:09 pm
Forum: Personal Investments
Topic: Traditional IRAs
Replies: 4
Views: 395

Re: Traditional IRAs

On second though, is your situation where you can only contribute partially to the limit? If so then you can contribute the rest to a non-deductible IRA and roll it over to a Roth IRA. There is no benefits in keeping it inside of the non-deductible IRA over a Roth IRA.
by noktem
Mon Jun 09, 2014 12:05 pm
Forum: Personal Investments
Topic: Traditional IRAs
Replies: 4
Views: 395

Re: Traditional IRAs

The limit for IRA contributions applies to both the Roth and Traditional together, so if you have already maxed out your Roth IRA contributions you can no longer contribute to your traditional one.
by noktem
Sun Jun 01, 2014 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: what has biggest influence on your stock/bond ratio
Replies: 27
Views: 2296

Re: what has biggest influence on your stock/bond ratio

I suspect most would choose "age" if it were on there :)
by noktem
Thu May 29, 2014 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off huge student loan vs Investing
Replies: 49
Views: 6931

Re: Pay off huge student loan vs Investing

What, exactly, is "ridiculous" about that? Either way I have to clear a 2% hurdle to come out ahead. One uses leverage and one doesn't - so what? Well... to illustrate the use of leverage, suppose you have $10,000 and you have the option of: a. 3.25% return for 10 years (in a CD for examp...
by noktem
Thu May 29, 2014 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off huge student loan vs Investing
Replies: 49
Views: 6931

Re: Pay off huge student loan vs Investing

What, exactly, is "ridiculous" about that? Either way I have to clear a 2% hurdle to come out ahead. One uses leverage and one doesn't - so what? Well... to illustrate the use of leverage, suppose you have $10,000 and you have the option of: a. 3.25% return for 10 years (in a CD for examp...
by noktem
Mon May 26, 2014 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs. PPO with a pregnant wife
Replies: 28
Views: 11203

Re: HSA vs. PPO with a pregnant wife

Comparing deductibles alone now, the PPO's $750 is much less than the HSA's $4000. Factoring in the employee's contribution, the HSA would save you money as long as you are spending less than $2000 + $750. If you want to factor in tax savings for the $750 you can divide that by your tax bracket als...
by noktem
Mon May 26, 2014 1:53 pm
Forum: Personal Investments
Topic: Rate My Portfolio
Replies: 118
Views: 9202

Re: Rate My Portfolio

While I also think your funds are a bit complicated for my taste I don't think they are completely outrageous. It also sounds to me you already did a lot of research on your tilting and am satisfied with your allocations so I will leave that discussion to others. Regarding your projections though, I...
by noktem
Sun May 25, 2014 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: HSA vs. PPO with a pregnant wife
Replies: 28
Views: 11203

Re: HSA vs. PPO with a pregnant wife

If all the information is accurate, both of your plans are almost even once the deductible is reached (The HSA is slightly better with no co-insurance but the deductible is so much higher I'd count it as a wash). You have no need to compare the maximum out of pocket since the chances of you reaching...
by noktem
Wed May 21, 2014 3:24 pm
Forum: Personal Investments
Topic: Rhetorical Question? How 4% inflation kills 401k and IRA?
Replies: 40
Views: 5972

Re: Rhetorical Question? How 4% inflation kills 401k and IRA

interesting info. It's just that adding that 3% (inflation) into the mix, taking out taxes (you never know what they'll be in 30 years), made all the numbers drop significantly. Friends invest into property but after paying 2.5 times what it's worth, 30 years later it will catch up with what they u...
by noktem
Wed May 21, 2014 12:38 pm
Forum: Personal Investments
Topic: Rhetorical Question? How 4% inflation kills 401k and IRA?
Replies: 40
Views: 5972

Re: Rhetorical Question? How 4% inflation kills 401k and IRA

interesting info. It's just that adding that 3% (inflation) into the mix, taking out taxes (you never know what they'll be in 30 years), made all the numbers drop significantly. Friends invest into property but after paying 2.5 times what it's worth, 30 years later it will catch up with what they u...