Search found 1195 matches

Return to advanced search

Re: How often do you change your car's oil?

Every 6,000 miles. For correlation purposes, I'm one of those "non car washing" types. For the record, I shower every morning.
by Beantown85
Fri Oct 24, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 11433

Re: How do you wash your car?

The logic of the folks who never wash their cars just doesn't compute for me. It's akin to not mowing the lawn and letting it grow 3 feet high, or letting all of the paint fall off of my house. Where I live not cutting grass is against city regulations and paint coming off the the house will allow ...
by Beantown85
Fri Oct 24, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7113

Re: How do you wash your car?

I have lived in New England and been driving for the past fifteen years. I have never washed , nor had washed any vehicle washed, ever. Not once. Never had a garage at home or at work. No issues noted.
by Beantown85
Fri Oct 24, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 7113

Re: Best way to earn a pension

How much is a DB pension worth? to you? Would you consider looking for or taking a job primarily for a pension? How long is a piece of string? Valuing how much a pension is worth can vary drastically depending on a lot of factors. Even with all the specifics available, I find it hard to place a $ v...
by Beantown85
Fri Aug 01, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 5239

Re: How Much Did You Lose Today?

Wouldn't have checked if it weren't for this thread....
by Beantown85
Fri Aug 01, 2014 1:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 15642

Re: If you tax adjust, how has it changed your life?

I once knew a guy who tax adjusted. Knew.
by Beantown85
Fri Jul 25, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: If you tax adjust, how has it changed your life?
Replies: 16
Views: 2162

Re: Round 2 Asset Allocation Advice

BanditKing wrote:Anything obvious I’m missing?


Not enough ferrets.

No, I don't see anything obvious you are missing. Are you no longer contributing to iBonds? Not necessarily seeing that as a mistake, just didn't see it as a new contribution moving forward.
by Beantown85
Wed Dec 18, 2013 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Round 2 Asset Allocation Advice
Replies: 2
Views: 283

Re: 40 and Finally Getting Serious (Portfolio Review)

Questions: 1. The Vanguard recommended allocation seems overly high in bonds due to the international exposure -- am I being irrational? 2. Any advice on balancing across 3 IRA's, 2 401k's and 2 brokerage accounts? 3. Should I adjust anything due to heavy exposure to my real estate holdings? 4. How...
by Beantown85
Wed Dec 18, 2013 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 40 and Finally Getting Serious (Portfolio Review)
Replies: 5
Views: 1279

Re: To Sell or Not to Sell (for Capital Gain Offset)

I have no reason to hold on to the VFH investment, nor do I have a reason to keep it. I purchased it years back when I did not know what I was doing... :oops:. What made you decide to sell the growth fund? I think it would be easier to give advice if everyone understood your entire portfolio (in ge...
by Beantown85
Wed Dec 18, 2013 9:20 am
 
Forum: Investing - Help with Personal Investments
Topic: To Sell or Not to Sell (for Capital Gain Offset)
Replies: 16
Views: 1312

Re: Help choosing my 401k funds

1. It doesn't seem like any are a great substitution for Total Stock Market, but I think AMCAP RAFCX is probably a reasonable choice (~80% US stock). 2. The most efficient way is usually picking the best option in the 401k, then rounding out the portfolio with your other options. In your case, there...
by Beantown85
Wed Dec 18, 2013 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Help choosing my 401k funds
Replies: 6
Views: 349

Re: Tool to assess if higher performing fund worth high fees

I could use help on how to assess if a slightly higher performing fund is worth the higher ER fee. I will save you some time, it isn't . If those trend charts you posted could accurately predict future returns, whoever made them would be rich, and Fidelity sure wouldn't be giving them away for free...
by Beantown85
Mon Dec 09, 2013 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tool to assess if higher performing fund worth high fees?
Replies: 11
Views: 1196

Re: Beating the S&P with minimal taxes

You could be correct, horribly wrong or no better than the S & P 500 depending on the timing. Actually, it's much worse than that. These funds were specifically designed to be short term investments, and are not appropriate for a long term investment. Even ignoring the high expenses, this is an...
by Beantown85
Mon Dec 09, 2013 12:06 am
 
Forum: Investing - Theory, News & General
Topic: Beating the S&P with minimal taxes
Replies: 46
Views: 2774

Re: Beating the S&P with minimal taxes

Beantown, Given that I'm a mutual fund investor, why shouldn't I use the S&P 500 as my goal? It seems to be the most common benchmark for equity funds. It's a benchmark that I can easily "buy" if I'm not able to outperform it (via SPY). Your goal should be whatever your goal is. As in...
by Beantown85
Sun Dec 08, 2013 11:58 pm
 
Forum: Investing - Theory, News & General
Topic: Beating the S&P with minimal taxes
Replies: 46
Views: 2774

Re: Beating the S&P with minimal taxes

As to why my goal is to beat the S&P.... 1) I like mutual funds because of their diversification and because mutual funds are easier to manage with larger amounts of money. I am not comfortable managing my own portfolio of stocks. For a mutual fund investor, the S&P 500 is a very appropriat...
by Beantown85
Sun Dec 08, 2013 11:53 pm
 
Forum: Investing - Theory, News & General
Topic: Beating the S&P with minimal taxes
Replies: 46
Views: 2774

Re: Lock in mortgage rate now or wait until first of year?

bgscms wrote:Is it better to lock now or wait?


Lock in now, but you already knew that.
by Beantown85
Sun Dec 08, 2013 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lock in mortgage rate now or wait until first of year?
Replies: 6
Views: 691

Re: She's at RMD age - OK to increase risk exposure?

Is she investing for heirs? If there is no need to add risk exposure, then why do it? It appears the game has been won, I don't see a compelling reason to veer away from the 40/60 portfolio plan.
by Beantown85
Sun Dec 08, 2013 11:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: She's at RMD age - OK to increase risk exposure?
Replies: 7
Views: 637

Re: Newbie Starting a 401k - Seeking Opinions About Fund Cho

My advice: 1) Like was mentioned by slowlrnr, contribute enough to get full company match, then go Roth IRA. If you have more to save, go back to contributing to 401k. Your options in the 401k are poor enough where I think it makes sense to prioritize Roth IRA even at your tax rate (although I don't...
by Beantown85
Sun Dec 08, 2013 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Starting a 401k - Seeking Opinions About Fund Choice
Replies: 3
Views: 1120

Re: Help selecting a rebalancing strategy

I understand the fear of rebalancing all the way down, and what that could mean in a depression type scenario. The problem is, what about when you are in the middle of a bull run? You have a certain % of your portfolio in bonds for a reason, and if the market returns have made it such that you are w...
by Beantown85
Sun Dec 08, 2013 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help selecting a rebalancing strategy
Replies: 13
Views: 802

Re: Affordability of new home

I don't know anything about physician loans, but with 320k income and 94k of debt, I cannot imagine that you wouldn't be able to qualify for a conventional mortgage. Affordability rules of thumb based on house price vs income are meaningless. You need to determine how much you can afford to spend on...
by Beantown85
Sun Dec 08, 2013 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordability of new home
Replies: 21
Views: 2419

Re: Funds or ETF's

I don't think the decision between ETFs or Mutual Funds is particularly important. I hold both, and don't really view one as better than the other. The most important decision is to decide on an allocation between stocks and bonds, and stick with that. If both low cost ETF's and Mutual Funds are ava...
by Beantown85
Sun Dec 08, 2013 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Funds or ETF's
Replies: 4
Views: 488

Re: Beating the S&P with minimal taxes

So your approach to beating the S&P is to use a leverage S&P ETF? Why only 10 or 20% then?

This is a very poor strategy, but that isn't the major problem here. The major problem is, why is your goal to beat the S&P?
by Beantown85
Sun Dec 08, 2013 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: Beating the S&P with minimal taxes
Replies: 46
Views: 2774

Re: Current Fidelity Roth IRA, moving to?

Thank you, everyone. Like I said, I currently have a Fidelity account, so I'm pretty up on what I can trade for free over there. It's Vanguard's brokerage account that I don't know much about. I know Vanguard ETFs and index funds (which I was leaning toward just for the automatic investment option)...
by Beantown85
Tue Mar 05, 2013 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Current Fidelity Roth IRA, moving to?
Replies: 9
Views: 1182

Re: Russell Demotes Greece To Emerging

The term "Emerging" in this case is quite ironic.
by Beantown85
Tue Mar 05, 2013 8:16 am
 
Forum: Investing - Theory, News & General
Topic: Russell Demotes Greece To Emerging
Replies: 7
Views: 649

Re: Just found out I'm a Boglehead, now I have a question

This chart has been used here often, and helped me understand more clearly what the previous posters are saying about uncompensated risk when going extreme with all equities. I was 100% equities through the 08-09 downturn without bailing, but no longer am. http://529investing.files.wordpress.com/201...
by Beantown85
Mon Mar 04, 2013 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Just found out I'm a Boglehead, now I have a question
Replies: 6
Views: 690

Re: First Time Portfolio Allocation Advice

1. No, looks very well done. 2. I personnally wouldn't bother, I think what you have is good as-is. But if you feel strongly, pulling 5% from Total Stock Market into Large Value is OK. 3. Not necessarily. If you are tilting toward Small Value, the key is to stick with it long-term. If you don't want...
by Beantown85
Fri Mar 01, 2013 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: First Time Portfolio Allocation Advice
Replies: 8
Views: 1252

Re: Titanic II, would you take a cruise?

Too soon.
by Beantown85
Fri Mar 01, 2013 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Titanic II, would you take a cruise?
Replies: 30
Views: 2238

Re: Help with new 401k options, please

1. You don't list the ERs of the Intermediate Treasury and Total Bond, but all things equal I would prefer Total Bond, as it gives you a more diversified bond exposure. Plenty of people choose to stick with treasuries for their bond holdings, so either choice is probably fine. The deciding factor co...
by Beantown85
Fri Mar 01, 2013 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with new 401k options, please
Replies: 3
Views: 221

Re: Mortgage options -- thoughts?

Thanks for the post and the additional way of looking at the information. Here is where I get hung up: If I put down 5% and invest the $33,000 -- assuming growth of 7% per year then I turn this into (ballpark) $235,000 over 30 years. If I put down 20% I would save $200 per month in the mortgage pay...
by Beantown85
Fri Mar 01, 2013 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage options -- thoughts?
Replies: 21
Views: 1258

Re: 100% stock ETF portfolio?

I am not a believer in 100%, personally. I think the extra expected return is not enough to justify the large increases in risk and volatility of outcomes. My opinion: 90/10 is "better" overall than 100/0, and 75-80% equities is even "better" overall than that. At the end of the ...
by Beantown85
Fri Mar 01, 2013 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: 100% stock ETF portfolio?
Replies: 20
Views: 1580

Re: Asset Allocation and Portfolio Review

It didn't say explicitly, but are you required to keep that 26% in company stock? If not, that is your first move, get rid of all of that, and dump into your 80/20 AA. Every other decision you have pales in comparison to that from a risk perspective. Tinkering with Bond funds and deciding on what % ...
by Beantown85
Fri Mar 01, 2013 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation and Portfolio Review
Replies: 4
Views: 604

Re: Mortgage options -- thoughts?

I agree with Gr2bOutdoors. PMI is never a good move if you can avoid it (which you can). Considering how low interest rates are, you can make a good argument for putting down no more than 20%, but getting to that 20% to avoid PMI is key (even if the rates were the same, which they're not, only makin...
by Beantown85
Fri Mar 01, 2013 7:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage options -- thoughts?
Replies: 21
Views: 1258

Re: How to think about risk profile and timing?

If you currently have a 70/30 AA, then I don't see timing as a very significant issue. That shouldn't be very far off from what you end up with for an AA, albeit with better/easier/cheaper fund choices moving forward. The recent "run-up" should have helped the funds you currently own about...
by Beantown85
Thu Feb 28, 2013 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to think about risk profile and timing?
Replies: 2
Views: 203

Re: Current Fidelity Roth IRA, moving to?

If you so choose, there are many low-cost index ETFs at Fidelity, that cost $0 commission to buy.

https://www.fidelity.com/etfs/ishares
by Beantown85
Thu Feb 28, 2013 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Current Fidelity Roth IRA, moving to?
Replies: 9
Views: 1182

Re: what to do

My thoughts are: -cancel whole life policy -increase term insurance (only have 500K right now, want to cover debt, college for twins on the way, etc.) -fully fund 401K/403b with $17,500 per year each -pay down stud. loans locked at 6.8% (slightly less with auto-pay/on-time payments) -once these are...
by Beantown85
Thu Feb 28, 2013 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: what to do
Replies: 4
Views: 434

Re: Will Rental Property be a good fit (K1, age diff, ROTH)

Does this seem like a sound strategy? If so, my plan is to create the LLC and begin this at the end of the fall this year. This would leave us with no stocks or bonds outside of our respective retirement accounts (to ensure liquidity in the event of repairs or vacancies). I do not want to get rich,...
by Beantown85
Wed Feb 27, 2013 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Rental Property be a good fit (K1, age diff, ROTH)
Replies: 30
Views: 1277

Re: College Financial Aid, Retirement, and Extra Home Paymen

I'm missing the part where putting money into the mortgage vs sheltered retirement accounts helps you, in terms of college financing. If either form of saving is sheltered from the FAFSA calculations, what does using some money that would have been 401k money to instead throw at the mortgage change?...
by Beantown85
Wed Feb 27, 2013 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Financial Aid, Retirement, and Extra Home Payments
Replies: 5
Views: 612

Re: Best/easiest spreadsheet program?

Excel. The one Microsoft program I never find myself cursing.


Kernschatten wrote:would be interested if someone has a better source than Google.


No such thing.
by Beantown85
Wed Feb 27, 2013 1:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best/easiest spreadsheet program?
Replies: 9
Views: 1012

Re: Never Want To Take Out A Loan Again.

You have a car loan, two mortgages, a boat loan and an ATV loan. I'm wondering if you really hate loans.

Sure it's possible to save for a car. One way to help do that would be to not take out loans for things like boats and ATVs.
by Beantown85
Wed Feb 27, 2013 11:14 am
 
Forum: Personal Consumer Issues
Topic: Never Want To Take Out A Loan Again.
Replies: 110
Views: 7500

Re: Question on Paying Off SL Debt?

Yes, it's a good idea. You are paying 6.5% on that debt, and getting rid of the small loan entirely will free you of that monthly obligation. A normal loan calculator should tell you what you will save in interest on the loan over it's life by paying it off. If you are comfortable with a 10k EF, the...
by Beantown85
Fri Feb 22, 2013 9:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Question on Paying Off SL Debt?
Replies: 1
Views: 281

Re: is window 8 good ??

Nope.
by Beantown85
Wed Feb 20, 2013 12:38 pm
 
Forum: Personal Consumer Issues
Topic: is window 8 good ??
Replies: 49
Views: 3443

Re: Can I stop saving and just coast now? (Early retirement)

Have you calculated this out at all, to determine how much you need to draw 30k per year without draining your account over 40 years? You have ~200k right now, curious how you came to the conclusion that that is enough to sustain 30k (saying nothing of whether or not 30k is sufficient or not).
by Beantown85
Wed Feb 20, 2013 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I stop saving and just coast now? (Early retirement)
Replies: 38
Views: 2939

Re: Purchase of Multi-family home

Your rent should be 1% of your asking price as a floor. 2% is ideal. As an investment, this is worth no more than $420K if that's what your rents are worth. You just can't find a two family house where the rent is 1% of the asking price where I live. Maybe if I bought a building with many apartment...
by Beantown85
Wed Feb 20, 2013 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Purchase of Multi-family home
Replies: 22
Views: 1505

Re: Is there a rate at which it is irrational to pay off mor

The operative phase is "I don't think that will always be true." In effect, you are trying to outguess the bond market, which is setting the 30 year treasury at just over 3% while considering all risks. Just as it is possible that in 20 years we will be looking at a long-term treasury rat...
by Beantown85
Mon Feb 18, 2013 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Is there a rate at which it is irrational to pay off mortgag
Replies: 54
Views: 4373

Re: Purchase of Multi-family home

david99 wrote:So I was wondering what you all thought about this purchase? Do the numbers make sense?



No. $4,200 monthly rent for a house that costs $700k doesn't make any sense, in my opinion. Would be tough for this house to be profitable.
by Beantown85
Mon Feb 18, 2013 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchase of Multi-family home
Replies: 22
Views: 1505

Re: Is there a rate at which it is irrational to pay off mor

So technically, there is no rate that is better or worse than another to pay-off your mortgage. It is always a "good" investment relative to other investments with zero or near-zero credit risk. This assumes you have the best available rate, or close to it (which I assume is the case for ...
by Beantown85
Mon Feb 18, 2013 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Is there a rate at which it is irrational to pay off mortgag
Replies: 54
Views: 4373

Re: What identifies a Boglehead?

A secret handshake, and a tattoo.
by Beantown85
Tue Feb 12, 2013 11:53 am
 
Forum: Local Chapters and Bogleheads Community
Topic: What identifies a Boglehead?
Replies: 36
Views: 1569

Re: Fund placement to hedge risk rather than reduce taxes

You can rebalance between accounts at any time. Seems like you are looking at each account individually, which is not optimal. Unless I'm missing something, this doesn't offer any real benefits over more traditional tax-efficient investing.
by Beantown85
Mon Feb 11, 2013 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: Fund placement to hedge risk rather than reduce taxes
Replies: 8
Views: 374

Re: Threshold between Student Loans and Tax Efficient Invest

I would prioritize: 1. Investments that come with company match 2. Student loan repayment 3. Investments that don't get a company match (including Roth) While it's certainly not *bad* to be putting money into a Roth now, at ~6% interest, and Student Loan debt that can't be absolved no matter what, I...
by Beantown85
Mon Feb 11, 2013 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Threshold between Student Loans and Tax Efficient Investment
Replies: 5
Views: 392

Re: How do things look to you young investors these days?

Seems like a great time to be a young investor to me. Didn't lose much in the 08-09 downturn, been buying everything (real estate, equities) on the cheap since. If you are fortunate to have had a job the entire time, seems like great timing to me.
by Beantown85
Mon Feb 11, 2013 9:05 am
 
Forum: Personal Finance (Not Investing)
Topic: How do things look to you young investors these days?
Replies: 87
Views: 7097

Re: Rental Property Question

Any direction or suggestions as to how I can solve this problem are appreciated. I've got a tenant committed to a long term lease that is a few hundred dollars per month above my fixed monthly mortgage payments, property tax, and insurance. It seems crazy to me that this revenue stream AND apprecia...
by Beantown85
Wed Feb 06, 2013 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental Property Question
Replies: 8
Views: 826
Next

Return to advanced search