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Re: NEW Investor -- 25 years old; ~35K

Mike, General forum etiquette states that you follow this template when posting your individual situation: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 Please do this. Depending on your 401k options, you may want to max that out first. I would put away in a traditional IRA if possib...
by Brantley
Thu Jun 12, 2014 10:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: NEW Investor -- 25 years old; ~35K
Replies: 9
Views: 1250

Re: Suit [for wedding]

To answer my own question, they are made in China per the owner.
by Brantley
Wed Apr 30, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

Do you know where their suits are made?
by Brantley
Wed Apr 30, 2014 6:25 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

mrsq wrote:J. Crew makes good looking, well-fitting suits in the $300-$400 range.
Comparable to a full canvassed Corneliani (manufacture for PRL) suit?
by Brantley
Wed Apr 30, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

nordstroms has an incredible selection and price ranges. if you can wait till the sale in july most suits are 50% off. lots of styles from classical, to the current styles of narrow and short. ralph lauren, hugo boss and higher end the other benefit is the free alterations. they have fantastic tail...
by Brantley
Wed Apr 30, 2014 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

i've had luck at the nordstrom rack. They have a decent selection and I lucked out with their calvin klein suit... I think it was $200-300. I am an odd size though- 48XL. I only wear suits maybe 5x per year so I was fine cutting costs a bit. I think an affordable suit + a good tailor is better than...
by Brantley
Wed Apr 30, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

tnbison wrote:I would suggest the Benjamin series at ehaberdasher.com. I got the jacket and pants and it totaled $535 but that was a couple of years ago. Full canvas, extremely well made suit.

These look nice. Do you know where they are made? Also would like to be able to try it on.
by Brantley
Wed Apr 30, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

Have done a ton of research since I started this thread, and tried on many suits. For a full canvas, Italian made suit, you can't really beat $750. The second best deal I could find was the Brooks Brothers 1818 which is only half canvas, made in USA, which could be had for ~600-700 during their semi...
by Brantley
Tue Apr 29, 2014 11:08 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Roth IRA - tax free - totally ?

You're editing your posts while I'm responding. If you'd said that to begin with, I would have referred to it or substituted ellipses in precisely the same way you do not. Ask anybody whether that's true. Well seeing as I edited it before you posted your response, I can't help you there. Now, will ...
by Brantley
Wed Apr 09, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: Roth IRA - tax free - totally ?

I accept your apology
by Brantley
Wed Apr 09, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: Roth IRA - tax free - totally ?

Phineas J. Whoopee wrote:
Are you denying that, keeping all other things equal so we can isolate the difference, the investor will have just as many dollars to spend from a Traditional IRA as from a Roth IRA?


Brantley wrote: You're arguing if tax rates are equal, you end up with the same net money roth vs tIRA (also true).


...
by Brantley
Wed Apr 09, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: Roth IRA - tax free - totally ?

If you didn't get the earlier explanations in this thread alone why should you expect to get yet another one? If you'd like to disagree with them, including mine, fine but say so and why, please. PJW Slow down there tough guy. I did say so and why above Thanks for the compliment. I am feeling my oa...
by Brantley
Wed Apr 09, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: Roth IRA - tax free - totally ?

I'm aware of that. You seem to be missing my point. The gain is still included in AGI. If it was "tax free," you'd only include your principal upon withdrawal. Stop with the words. They are just confusing the the issue. Congress labeled the tIRA "tax deferred". When they made th...
by Brantley
Wed Apr 09, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: Roth IRA - tax free - totally ?

The correct statement would be:

Generally, if the funds would be taxed at the same rate now as in retirement, you will end up with the same net amount of money.

But, I don't think it's technically correct to say you aren't paying tax on the gains.
by Brantley
Wed Apr 09, 2014 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: Roth IRA - tax free - totally ?

I'm aware of that. You seem to be missing my point. The gain is still included in AGI. If it was "tax free," you'd only include your principal upon withdrawal.
by Brantley
Wed Apr 09, 2014 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: Roth IRA - tax free - totally ?

Phineas J. Whoopee wrote:If you didn't get the earlier explanations in this thread alone why should you expect to get yet another one? If you'd like to disagree with them, including mine, fine but say so and why, please.
PJW

Slow down there tough guy. I did say so and why above
by Brantley
Wed Apr 09, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: Roth IRA - tax free - totally ?

It is just semantics. I meant the same thing you are saying. I was clearing up the comment that gains in a traditional IRA are tax free. They are taxable income (taxed) when withdrawn. Whether or not you need to pay tax on that income is a different story and a different question. Stop quibbling wi...
by Brantley
Wed Apr 09, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: Roth IRA - tax free - totally ?

Contrary to a few statements above, distributions from traditional IRAs are not necessarily taxed. Although they are included in gross income, it's possible that taxable income is $0, in which case tIRA distributions after age 59 1/2 would not be taxed. I have family members for whom this has been ...
by Brantley
Tue Apr 08, 2014 11:36 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: Roth IRA - tax free - totally ?

Contrary to a few statements above, distributions from traditional IRAs are not necessarily taxed. Although they are included in gross income, it's possible that taxable income is $0, in which case tIRA distributions after age 59 1/2 would not be taxed. I have family members for whom this has been ...
by Brantley
Tue Apr 08, 2014 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: Roth IRA - tax free - totally ?

Phineas J. Whoopee wrote:
But it's a little misleading, although I know you didn't intend it that way, to say "With a traditional IRA, gains are taxed upon withdrawal."

PJW
Misleading in which way? You just gave further details to prove my point.
by Brantley
Tue Apr 08, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: Roth IRA - tax free - totally ?

Seems like there's some confusion going on here. With a traditional IRA, gains are taxed upon withdrawal. But, Roth's are not really "tax free." The main difference b/w a Roth and Traditional is timing. If you expect to be in lower tax bracket in retirement than your current bracket [most ...
by Brantley
Tue Apr 08, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA - tax free - totally ?
Replies: 67
Views: 3002

Re: 401 [401(k) Portfolio help]

jmndu99 wrote:If your girlfriend's portfolio was important to her, she would be the one coming with the questions, not you.

Thanks?
by Brantley
Mon Mar 03, 2014 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: 401 [401(k) Portfolio help]
Replies: 7
Views: 166

Re: 401 [401(k) Portfolio help]

Been together quite a while. Not an issue. Just looking for allocation advise.
by Brantley
Mon Mar 03, 2014 12:32 am
 
Forum: Investing - Help with Personal Investments
Topic: 401 [401(k) Portfolio help]
Replies: 7
Views: 166

Re: 401 [401(k) Portfolio help]

Does your girlfriend like investing at all and pay attention to this sort of stuff? If the answer is yes then breaking out into individual holdings could lower her expenses slightly. If the answer is no, she can stick with the target retirement fund so that the company does the work to maintain her...
by Brantley
Mon Mar 03, 2014 12:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 401 [401(k) Portfolio help]
Replies: 7
Views: 166

401 [401(k) Portfolio help]

Hey all. Question for my girlfriend's 401k Emergency funds: All set Debt: None Tax Filing Status: Single Tax Rate: 25% Federal, 5.25% State State of Residence: MA Age: 25 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 30% of stocks Current retirement assets 401k 1...
by Brantley
Mon Mar 03, 2014 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: 401 [401(k) Portfolio help]
Replies: 7
Views: 166

Re: Just returned new laptop with Window 8.1

Windows 8.1 is actually pretty easy to use. Learn the shortcuts: (windows + q) to search the whole machine, (windows+I) to access quick menu to turn off or get at control panel. There are a few settings that have been moved to the metro interface. Find those settings, see what's there. Control panel...
by Brantley
Fri Dec 27, 2013 2:12 am
 
Forum: Personal Consumer Issues
Topic: Just returned new laptop with Window 8.1
Replies: 104
Views: 8593

Re: Suit [for wedding]

Thanks for the heads up. If I need a light to mid weight suit since the wedding is in September, should I wait to shop until the summer when more light weight suits are out?
by Brantley
Wed Dec 25, 2013 11:58 am
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

From a career perspective what matters is what your boss, peers, and clients wear. If your boss and clients are wearing $1500+ suits then you probably need to wear them too unless your credentials are such that you can stand on your own. This can happen in law, entertainment, investment banking, hi...
by Brantley
Tue Dec 24, 2013 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

The suit fits me great (perfect length down to my knuckles). Coat isn't pinched. Per the salesman, the suit I'm looking at is their basic charcoal suit which they carry year round and will not go on sale. They had several seasonal suits which were marked down to about $700-750. I'm going to keep my ...
by Brantley
Tue Dec 24, 2013 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

Brantley , +1 for this: Alternatively, if you curl your fingers they should be cupping the bottom hem. Your connection can get you a $1,495 suit for 50% off - roughly $750. However, you don't seem to mention whether your friend of a friend's store is actually selling it at Ralph Lauren's list price...
by Brantley
Tue Dec 24, 2013 12:32 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

This reply could get me flamed around here, but here goes. I always had jobs where I had to wear suits daily. When I got married my wife INSISTED that I upgrade the quality of my suits. Since then I have bought quite expensive but classic suits (Armani) that fit me perfectly. I am lucky to be an al...
by Brantley
Tue Dec 24, 2013 12:17 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

Brooks Brothers has an annual sale starting the day after Christmas that lasts through New Years or so. I'm a fan of their 1818 line of suits and you can get them in your price range during the sale. Appreciate the advise, but can we try to get back to my original question of whether that suit is w...
by Brantley
Tue Dec 24, 2013 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

Nordstrom has an anniversary sale every July, and you can choose from a wide variety of suits that will be marked down substantially. You should easily be able to buy a high quality suit that normally sells at the top end of your price range on sale for a price close to the bottom end of your range...
by Brantley
Tue Dec 24, 2013 11:48 am
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

Given that you could get a bespoke suit (custom-tailored to your own body measurements) for slightly more than your price range, it seems really expensive to pay $800 for an over the rack suit. I agree with the posters who suggest simply renting one for the wedding if you're not going to use it oft...
by Brantley
Tue Dec 24, 2013 11:46 am
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

I'm amused that someone would spend $400-$800 for something they will wear once or twice. I wouldn't spend more than $300 in this scenario. Now if you were going to wear the suit more than 10 times a year, then I would have a different opinion. I will be wearing to other weddings, interviews, job, ...
by Brantley
Tue Dec 24, 2013 11:44 am
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

Borrow a suit? Seriously? Yes, seriously. I have a borrowed a suit on more than one occasion. And since I bought a suit 20 years ago, I even lend it out every now and then including as recently as last month. Do you know someone with the exact same height and build as you? I'm a 38r, going to be ha...
by Brantley
Tue Dec 24, 2013 11:43 am
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

I'm amused that someone would spend $400-$800 for something they will wear once or twice. I wouldn't spend more than $300 in this scenario. Now if you were going to wear the suit more than 10 times a year, then I would have a different opinion. I will be wearing to other weddings, interviews, job, ...
by Brantley
Tue Dec 24, 2013 2:05 am
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

Thanks for the links Ketawa. The suit I linked doesn't seem to be short, and looks like it's the same length as the suit you mentioned above at suit supply (ends at the bottom of the crotch). I'll have to see if it looks pinched on me. I also don't feel comfortable buying a suit I can't try on firs...
by Brantley
Tue Dec 24, 2013 1:26 am
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: Suit [for wedding]

It's also possible that the pics of the RL suit are just poor, and it might work for you. Here is the second part of that Put This On series. Put This On - Where To Look First for a Suit (Part Two) Thanks for the links Ketawa. The suit I linked doesn't seem to be short, and looks like it's the same...
by Brantley
Tue Dec 24, 2013 1:11 am
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Suit [for wedding]

Looking to buy a suit for my brothers wedding in September. I have a friend of a friend who can get me 50% off Polo Is this suit worth it: http://m.ralphlauren.com/product/index.jsp?productId=13233033&cp=1760781.1766339? I'm looking to spend $400- 800, but not really sure if I'd notice the diffe...
by Brantley
Mon Dec 23, 2013 10:37 pm
 
Forum: Personal Consumer Issues
Topic: Suit [for wedding]
Replies: 57
Views: 3308

Re: 2013 BOGLEHEAD CONTEST. One month to go. Lesson learned.

I'm a bit confused by what point is proven by this contest. I guess my first question would be, who is involved in this contest? What defines a wall street guru? If the people involved are a general makeup of the bogleheads community, wouldn't the only thing this would prove is we as a group are not...
by Brantley
Sun Dec 01, 2013 1:56 am
 
Forum: Investing - Theory, News & General
Topic: 2013 BOGLEHEAD CONTEST. One month to go. Lesson learned.
Replies: 20
Views: 1731

Re: "Why Passive Portfolios Are Better Than Active"

They aren't arguing about the results of your study (facts). They are arguing about the methodology and the usefulness of the results. An educated investor will not select funds at random. Can you address that issue? Can you increase your chances of success through a quantitative/qualitative screeni...
by Brantley
Thu Oct 31, 2013 11:52 pm
 
Forum: Investing - Theory, News & General
Topic: "Why Passive Portfolios Are Better Than Active"
Replies: 82
Views: 6645

Re: Average outperformance

BackInTheBlack wrote:tangential
Sweet vocab bro.

I assume you're talking about this article from my other active topic: https://personal.vanguard.com/pdf/s356.pdf

I haven't had a chance to read it, but I will soon.

Benignantly yours,
by Brantley
Thu Oct 31, 2013 12:59 am
 
Forum: Investing - Theory, News & General
Topic: Average outperformance
Replies: 29
Views: 2611

Re: Average outperformance

What I was hopefully trying to get is for each style of funds, over the past 25-50 years, x% of funds outperformed their index. Of those x% of funds that outperformed in each style, on average, they outperformed by x%. Hopefully this get get me to a more realistic view of what your chances are of ou...
by Brantley
Wed Oct 30, 2013 6:08 pm
 
Forum: Investing - Theory, News & General
Topic: Average outperformance
Replies: 29
Views: 2611

Re: Average outperformance

If you were to break the funds into separate categories (small value, small growth, etc), would an average then be of use? As long as the funds you are comparing have the same target benchmark?
by Brantley
Wed Oct 30, 2013 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Average outperformance
Replies: 29
Views: 2611

Re: Average outperformance

Though I should note that Rick Ferri did answer your question in terms of medians...) Not really. Didn't inquire about medians. And that was my point. You didn't ask about medians, but his answer is probably a lot more informative for any practical purpose than the answer to the actual question you...
by Brantley
Wed Oct 30, 2013 12:10 am
 
Forum: Investing - Theory, News & General
Topic: Average outperformance
Replies: 29
Views: 2611

Re: Average outperformance

Akiva wrote:Though I should note that Rick Ferri did answer your question in terms of medians...)
Not really. Didn't inquire about medians.
by Brantley
Tue Oct 29, 2013 10:34 pm
 
Forum: Investing - Theory, News & General
Topic: Average outperformance
Replies: 29
Views: 2611

Re: Active vs Passive Source Question

Here's a fantastic paper (PDF format) on the matter from Vanguard: https://personal.vanguard.com/pdf/s356.pdf Thanks I'll give it a read. I'm just beginning a study of this very topic actually, and hope to have a finished paper with plenty of data in a few months. To my knowledge, nothing beyond si...
by Brantley
Mon Oct 28, 2013 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: Active vs Passive Source Question
Replies: 58
Views: 3598

Re: Average outperformance

Can anyone point me to a study that looks at the average % outperformance of funds that outperformed their relative style benchmark over a specified period? For example, out of all large cap value funds that outperformed large cap value benchmark, what was the average percentage of outperformance? ...
by Brantley
Mon Oct 28, 2013 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Average outperformance
Replies: 29
Views: 2611

Re: Active vs Passive Source Question

Morningstar's star-ratings are almost entirely based on past-performance. That is only a small portion of the overall list of screen functions I am talking about. I started a thread on this very topic back in 2010 (which was closed recently), but suffice it to say, this was all covered in great dep...
by Brantley
Mon Oct 28, 2013 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Active vs Passive Source Question
Replies: 58
Views: 3598
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