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Re: Brother wants me to co-sign a house with him

Uhhhh kid you are nuts to even entertain the idea of doing the house, salon, or land. DO NOT DO ANY OF THEM!!!!!!!!!!!!!!!!!!
by 4th and Inches
Tue Nov 25, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Brother wants me to co-sign a house with him
Replies: 41
Views: 2672

Re: 36 y.o. New at investing, am I in too much debt?

You really need to have a major talk with your fiancee. To what extent is she aware of your financial situation and how aware are you of her financial situation? All of a sudden pulling the plug on wedding funding and scaling back the honeymoon is not likely to go over very well with her. You need t...
by 4th and Inches
Fri Nov 14, 2014 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 36 y.o. New at investing, am I in too much debt?
Replies: 63
Views: 4917

Re: War on Debt

Technofox I hope you take a lot of this truly outstanding advice to heart and make some CRITICALLY needed, concrete changes to your spending habits. The fact you are having panic attacks shows that you know there is a major problem. You now need to build the resolve and make the change needed while ...
by 4th and Inches
Mon Nov 10, 2014 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: War on Debt
Replies: 247
Views: 26982

Re: Crazy asset-based fees in my 401K!

I just thought that I would chime in that my 401k scam I mean plan charges a salty 1.25% AUM fee. Whooo hook!!! The cheapest fund in my plan is PTRAX at .71%. 1.25% + .71% = Oh yeah baby!
by 4th and Inches
Wed Oct 15, 2014 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 2576

Re: Which house to buy?

Based only on the information you have provided it is no question to me. Go with house B assuming you can handle ~$230 more in 30 year mortgage. Think of what the two houses will be worth years down the road. The info on house B related to lot, design and neighborhood suggest it will be worth a lot ...
by 4th and Inches
Tue Sep 23, 2014 11:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house to buy?
Replies: 16
Views: 1440

5% or 10% down for high balance conforming mortgages?

I want to buy a house in a year. I have great credit, very little debt with low interest, two steady incomes in the house and working towards a down payment. I want to confirm that even if you are in a high cost of living area that to have a mortgage above $417k you have to have at least 10% down ev...
by 4th and Inches
Fri Sep 12, 2014 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: 5% or 10% down for high balance conforming mortgages?
Replies: 0
Views: 142

Re: Salary Info double standard?

All of the responses here seem to implicitly reflect either applying to a job in the same city where you work or perhaps moving to another city with about the same cost of living. I'm in a situation where in the next 6 months my wife will be seeking employment starting in the late summer/fall 2015. ...
by 4th and Inches
Sun Sep 07, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 4287

Re: Ameriprise Equity Indexed Universal Life Insurance

You should post your entire portfolio on here. You will get outstanding advice for free. I have never, ever seen a portfolio review on here that went well for an Ameriprise advisor. The people on here will point out your Ameriprise portfolio's shortcomings and offer realistic, viable solutions. I ca...
by 4th and Inches
Sat Sep 06, 2014 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Ameriprise Equity Indexed Universal Life Insurance
Replies: 10
Views: 761

Re: Acorns - Automatic Investing

This is really intriguing though I don't know that it is for me. I estimate that I would be able to chip in about $50-60 per month. I think it can be great for people who otherwise just won't save. Is anybody else thinking of doing it? When will a competitor come out who can undercut these fees in h...
by 4th and Inches
Thu Sep 04, 2014 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Acorns - Automatic Investing
Replies: 6
Views: 1381

Re: My early 30's Ameriprise portfolio

^^^^^^I was thinking the same. The OP asked for advice. He got fantastic advice that will help him end up with 100s of thousands more over his investing lifetime. The least he can do is check in and acknowledge the great advice and say thanks.
by 4th and Inches
Wed Sep 03, 2014 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3580

Re: My early 30's Ameriprise portfolio

You are going to need to man up and deal with the discomfort that will come along with getting all of your money out of Your advisor "friend's" care. You said that the amount in taxable isn't too big to liquidate and move it somewhere else and that is exactly what you should do. Just tell ...
by 4th and Inches
Tue Sep 02, 2014 11:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: My early 30's Ameriprise portfolio
Replies: 36
Views: 3580

Re: Subaru Blues

People with negative experiences are always going to piss and moan the loudest and will be sure to chime in. I have a 2011 Forester Limited I bought new that now has 56k miles on it. My vehicle has had ZERO issues with it beyond regularly scheduled maintenance. I'm thinking of just driving it into t...
by 4th and Inches
Wed Aug 20, 2014 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 8345

Re: Volvo Overseas Delivery - Any experience?

I have looked into this as well for when we get my wife a new car, but that is not for a few years so I have not fully looked into it. It is definitely an interesting concept.
by 4th and Inches
Mon Aug 11, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Volvo Overseas Delivery - Any experience?
Replies: 11
Views: 1283

Re: How old are you?

I am very surprised that at 35 years old only 75% of the respondents are older than me. I would have thought it was more like 90%.
by 4th and Inches
Thu Jul 31, 2014 8:48 am
 
Forum: Local Chapters and Bogleheads Community
Topic: How old are you?
Replies: 82
Views: 8407

Re: Vanguard eliminates fee on FTSE All-World ex-US Small-Ca

Any estimates on how long until they do come out with Admiral shares?
by 4th and Inches
Sat Jul 26, 2014 6:27 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5318

Re: Buying adult child a house vs paying their rent

I think the response by ddunca is an outstanding response for a tough situation that calls for significant elements of tough love while not compromising the well-being of the infant. This daughter sounds like an able-bodied adult who needs to start acting like a responsible adult and get some accoun...
by 4th and Inches
Sat Jul 05, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying adult child a house vs paying their rent
Replies: 37
Views: 4432

Re: Get in the game

Make sure to get rid of "That Guy" your Dad sent to you! After you understand how much he is fleecing you, explain to your Dad how bad he is getting fleeced and tactfully help him get out of there. I imagine since your Dad suggested him he is using him as well. Don't give him another cent ...
by 4th and Inches
Wed Jul 02, 2014 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get in the game
Replies: 21
Views: 1883

Re: what to do about bond investing if worried

Prescience definition: knowledge of events before they take place; foreknowledge

That article is junk.
by 4th and Inches
Thu Jun 19, 2014 8:32 am
 
Forum: Investing - Theory, News & General
Topic: what to do about bond investing if worried
Replies: 15
Views: 1156

Re: A $1000 lesson on how manipulative salespeople can be?

Sorry, but it is hard for me to feel sorry for the OP on this one. What in the world were you thinking? I imagine you have learned a lesson.
by 4th and Inches
Sat Jun 07, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: A $1000 lesson on how manipulative salespeople can be?
Replies: 107
Views: 17463

Re: Rate My Portfolio

Consider bumping international a little bit: https://personal.vanguard.com/pdf/icriecr.pdf I'm 80/20 stock/bond. 35% of stock is international. I plan to have 5% of total portfolio tilts to emerging markets, international small, domestic small value, and reit. However, I am making myself wait until ...
by 4th and Inches
Sat May 31, 2014 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Rate My Portfolio
Replies: 118
Views: 6787

Re: Getting out of large student loan debt

Forget the idea about the heloc. Hold off on the car. At least do so until at least the $25k on the card and your $19k in student loans are gone and you have a decent emergency fund. Get on a budget to not rack up debt on the cards. Do you have a 6 month emergency fund? Work on that if not. Consider...
by 4th and Inches
Fri May 30, 2014 11:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting out of large student loan debt
Replies: 45
Views: 3716

Re: Bad credit, to average income, to $200k a year...

Cancel the meeting with the bank!!!! Even if it is a family friend, in-law, or a trusted coworker referred you cancel the bank meeting. Too bad if you rub someone the wrong way by not going. If you do end up going, which you should not, do NOT sign any paperwork or give them money. Post their sugges...
by 4th and Inches
Fri May 30, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad credit, to average income, to $200k a year...
Replies: 16
Views: 1843

Re: Saving to buy house. Invest in municipal bonds?

12 ETFs spread across $36k? That's absurd. You need to do a good bit of reading around here to understand the shortcomings of that kind of strategy. Welcome to the board! It's a fantastic resource.
by 4th and Inches
Sun May 18, 2014 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving to buy house. Invest in municipal bonds?
Replies: 5
Views: 730

Re: Start an Investment Company

What you are proposing to do goes against everything this community stands for. You want to be the person skimming off of other people's retirement savings. Yes, there is a ton of money to be made doing it, but you won't get much help here.
by 4th and Inches
Mon May 12, 2014 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Start an Investment Company
Replies: 33
Views: 2508

Re: I like the investment strategy , not really the lifestyl

There are some very good points in here. Good comments. Balance is key!
by 4th and Inches
Thu May 08, 2014 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: I like the investment strategy , not really the lifestyle
Replies: 67
Views: 6753

Re: 401k Plan AUM fees

I think I would LOVE to trade plans with you! I have to pay a 1.25% AUM AND I get all of these wonderfully expensive funds to invest in. Last year is was 1.46%, but lowered because there is more money in the plan. 100% of my 401k money is in PTRAX (.71%), but I'm right at where I want to be for bond...
by 4th and Inches
Wed Apr 16, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Plan AUM fees
Replies: 9
Views: 479

Re: Experience saving a big down payment? ($200k+)

I'm kind of in the same place. I keep thinking about taking 20% of our downpayment money and putting it in Total Stock Market. I think it is nuts to put 100% of that money in equity's, but 20% seems a sensible compromise and upgrade from CDs only for a purchase about 3 years away.
by 4th and Inches
Sun Apr 06, 2014 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Experience saving a big down payment? ($200k+)
Replies: 5
Views: 877

Re: Problem With New VCR Tapes

Try some 2014 technology solutions? I know that wasn't helpful, but that is what I suggest.
by 4th and Inches
Tue Apr 01, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 28
Views: 3079

Re: Help: do Ameriprise suggestions seem correct?

Good to hear you are getting out of Ameriprise! Their own employees sued them for having their in-house funds as their 401k choices, which it sounds like they have offered to you. That should tell you that you should get out of there!

viewtopic.php?p=1192770
by 4th and Inches
Tue Mar 25, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Help: do Ameriprise suggestions seem correct?
Replies: 27
Views: 2817

Re: Don’t Bother With That High Cost 401(k)

Bob's not my name wrote:
tfb wrote:Rule of thumb is 30 divided by the number of years. The expense has to be 5% if you are out in 6 years.


I imagine that is assuming no company match. Correct?
by 4th and Inches
Tue Mar 18, 2014 8:25 am
 
Forum: Investing - Theory, News & General
Topic: Don’t Bother With That High Cost 401(k)
Replies: 28
Views: 3161

Re: Don’t Bother With That High Cost 401(k)

The cheapest fund in my 401k other than money market is PTRAX with an expense ratio of .71% and an administrative fee of 1.25% tacked on for a grand total of 1.96%. The 1.25% administrative fee applies to all funds in the plan. PTRAX is where I have nearly all of my portfolio's bond holdings. My com...
by 4th and Inches
Mon Mar 17, 2014 11:22 am
 
Forum: Investing - Theory, News & General
Topic: Don’t Bother With That High Cost 401(k)
Replies: 28
Views: 3161

Re: When did/do you want stocks to start rising?

I'm 34. Should I be disappointed that my portfolio grew by like 23% last year?

I would like to know what others think about this because I have no idea if that is good or bad. I know that I felt good about it.
by 4th and Inches
Sat Feb 08, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: When did/do you want stocks to start rising?
Replies: 58
Views: 3475

Re: Emerging Markets: Boom, Bust, Repeat, Yawn

Are there many people out there who tilt EM in a manner similar to what is frequently done with domestic small value? For instance, rather than have 100% of your foreign allocation be total international you split it so that 75% is total international and 25% is EM.
by 4th and Inches
Fri Feb 07, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Boom, Bust, Repeat, Yawn
Replies: 58
Views: 7344

Re: Buying a ski condominium

All good points. Thanks for sharing. Someday I would like a place in ski country. I'm just not sure about buying vs renting. Anyway, the actual decision time is years away.
by 4th and Inches
Fri Jan 31, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a ski condominium
Replies: 22
Views: 2713

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy birthday Taylor! You have really helped my family to be on track for financial security!
by 4th and Inches
Fri Jan 24, 2014 10:38 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 23078

Re: HSA Bank to ElfCU for free?

Thanks for sharing. I'll have to look into this.
by 4th and Inches
Tue Jan 21, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Bank to ElfCU for free?
Replies: 17
Views: 2350

Re: How to get back into Market having missed this year's ra

Others more knowledgeable than me can chime in, but make sure you put the buy and hold strategy doesn't work approach to rest ASAP. The wiki and previous threads offer a wealth of information on how market timing does not work. Welcome to the board!
by 4th and Inches
Tue Jan 14, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to get back into Market having missed this year's rally
Replies: 8
Views: 2014

Re: Trampolines and HO Insurance

Glad to hear you are not getting one. It was a bad idea.
by 4th and Inches
Thu Dec 05, 2013 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Trampolines and HO Insurance
Replies: 30
Views: 2113

Re: When do you stop worrying about saving?

I wouldn't say that I worry about saving, but I am aware of it and plan accordingly. I still have a ways to go, but feel I'm moving in the right direction.
by 4th and Inches
Mon Nov 25, 2013 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you stop worrying about saving?
Replies: 52
Views: 5831

Re: Pimco Total Return vs an Index Fund with .5% ER

I assume you are talking about PTRAX with the .71% expense ratio. What is the symbol for this other fund with the .5% ratio? That will let people see the all parts of the funds and help compare. Ptrax may take more risk that has worked out for it to explain the higher returns, so far. In my 401k ptr...
by 4th and Inches
Wed Nov 13, 2013 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Pimco Total Return vs an Index Fund with .5% ER
Replies: 4
Views: 829

Re: Allan Roth compares PIMCO TBR to Van TBM

Thanks for sharing this. PIMCO TBR is my principle bond option in my 401k.
by 4th and Inches
Sun Sep 15, 2013 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Allan Roth compares PIMCO TBR to Van TBM
Replies: 18
Views: 1599

Re: Past performance can be a good guarantee

OP you should do this and then in 20 years when you have so much more money than us rub it in our face. :wink:
by 4th and Inches
Thu Sep 12, 2013 4:25 pm
 
Forum: Investing - Theory, News & General
Topic: Past performance can be a good guarantee
Replies: 15
Views: 989

Re: Ameriprise + steps to transfer to Vanguard

Welcome to the board. I'll defer to others much more knowledgeable than me on specific advice, but when it comes to getting out of Ameriprise there is no doubt that it is the best thing to do overall even if there are expenses to pay to get out. It may take some time to avoid the worst of the fees, ...
by 4th and Inches
Fri Jun 28, 2013 3:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ameriprise + steps to transfer to Vanguard
Replies: 14
Views: 1184

Re: Company 401k - Suggestions for Improvements

Administrative expenses on my 401k are a ludicrous 1.46% of assets under management. Out of the 29 funds only 1 of them has a total expense of less than 2% when you factor the administrative expense and the expense ratio. Many are above 2.5%. My company only has like 27 people. At least they match 4...
by 4th and Inches
Sat May 11, 2013 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company 401k - Suggestions for Improvements
Replies: 7
Views: 1444

Re: Lessons from the last crash?

Lots of good insights shared. Thank you!
by 4th and Inches
Wed May 08, 2013 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lessons from the last crash?
Replies: 44
Views: 4190

Re: How Fast to Pay Student Loans (Medical)

I have $21k at 1.625%. I'm just paying the minimum of $152 a month. I got lucky! I'm down to $1300 at 6.55% from my MBA which will be paid off in the next two months. Woot!
by 4th and Inches
Thu Apr 25, 2013 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Fast to Pay Student Loans (Medical)
Replies: 18
Views: 1495

Re: Frontline--The Retirement Gamble

I'm looking forward to this.
by 4th and Inches
Thu Apr 18, 2013 11:14 pm
 
Forum: Investing - Theory, News & General
Topic: Frontline--The Retirement Gamble
Replies: 318
Views: 35667

Re: Yet another Ameriprise customer...

I'm a former Ameriprise customer. Trust us that you need to get out of there. Get educated by reading the wiki and the reading list. It will take time, but will be worth it.
by 4th and Inches
Fri Mar 29, 2013 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yet another Ameriprise customer... [Wrap acc't, performance]
Replies: 27
Views: 3427

Re: Leaving Ameriprise..Wondering about Vanguard Asset Mgmnt

First of all congratulations on getting out of Ameriprise! That alone is a big step! 25 funds is just plain absurd and may have been a strategy used by your Ameriprise advisor to make you think investing is incredibly difficult. I bet almost all of them had ~5.75% sales fee with around a 1.4% expens...
by 4th and Inches
Mon Mar 11, 2013 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Leaving Ameriprise..Wondering about Vanguard Asset Mgmnt Svc
Replies: 19
Views: 1674
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