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Re: New case of Ebola in U.S.: Is it the latest market headw

I'm sure it's affected it in some way. There are those who believe the end is neigh. Because each week the news has gotten worse, their fears become more and more "validated." Admittedly I have been thrown for a loop myself but I'm not panicking. When it all first started I never thought ...
by DonDraper
Wed Oct 15, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: New case of Ebola in U.S.: Is it the latest market headwind?
Replies: 13
Views: 1303

Re: R u selling PIMCO bond fund

I just sold out of Pimco and went into a Total Bond Index fund which has a razor thin .0006 expense ratio. Truth be told, I was close to pulling the trigger on this switch prior to Gross leaving so Friday's news was the clincher for me.
by DonDraper
Sun Sep 28, 2014 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: R u selling PIMCO bond fund
Replies: 25
Views: 2780

Re: Will Bill Gross beat the Total Bond Market Index?

Haha!

Well I guess I got my answer!

I'm now likely to move my bond allocation in my 401k to the index fund.
by DonDraper
Sat Sep 27, 2014 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5953

Re: The Villages Retirement Community Near Orlando

I've also read some amusing stories regarding women trying to steal other women's husbands down there. Apparently the guy/girl ratio leans heavily in the mans favor. Sounds like there's a lot of poaching going on. :)
by DonDraper
Thu Sep 25, 2014 8:55 pm
 
Forum: Personal Consumer Issues
Topic: The Villages Retirement Community Near Orlando
Replies: 72
Views: 7809

Re: Will Bill Gross beat the Total Bond Market Index?

Thank you for all your responses. I suppose my problem is I view bonds as a terrible investment over the next 10 years. I hold them because I can't seem to find a better alternative to them. It makes sense to me that if interest rates are going to go up, an active manager like Gross will be able to ...
by DonDraper
Mon Sep 01, 2014 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5953

Will Bill Gross beat the Total Bond Market Index?

In a rising interest rate environment, Gross and his Pimco Bond Fund are going to have more flexibility which might allow it to beat the static Total Bond Market Fund. That's the theory anyway. Obviously the problem with this logic is that nobody, including Gross knows exactly what interest rates ar...
by DonDraper
Mon Sep 01, 2014 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5953

Re: Personal finance podcast to replace Marketplace Money?

The Money Guy doesn't usually "push" T-shirts. One of his children is autistic and 100% of the proceeds from the T-shirt sale goes to support those type of charities. I've been listening to him for years this is the first time he's ever tried to sell anything. I like the show. I told my wi...
by DonDraper
Thu Jul 24, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal finance podcast to replace Marketplace Money?
Replies: 19
Views: 2812

Re: Easy careers to last me to retirement?

With $500k in assets only $2500 a month in expenses, you aren't that far away from being financially independent.

With a 4% withdrawal rate you only need $750,000 to cover your expenses. Suck it up and work an IT or project manager job until you hit 50 and then retire.
by DonDraper
Sun Jul 06, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 14377

Re: Water/sewer backup coverage: buy or not?

FWIW I had a sewer backup a few years ago and had a shut off valve installed along the sewer line in the front of the house. I literally have to put an 8 foot pole down into the ground which turns a valve that will completely seal off the sewer pipe. I now have a water alarm in the lowest drain so i...
by DonDraper
Thu Jun 26, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Water/sewer backup coverage: buy or not?
Replies: 33
Views: 3129

Re: Why don't we like Dave Ramesy's investment advice

He was recently in the news - http://www.thedailybeast.com/articles/2014/05/29/spies-cash-and-fear-inside-christian-money-guru-dave-ramsey-s-social-media-witch-hunt.html http://www.nashvillescene.com/pitw/archives/2014/05/29/christian-money-man-dave-ramseys-power-drunk-paranoia I've been listening ...
by DonDraper
Mon Jun 16, 2014 7:36 am
 
Forum: Investing - Theory, News & General
Topic: Why don't we like Dave Ramesy's investment advice
Replies: 50
Views: 5180

Re: Should I buy time in my gov't pension plan?

I personally wouldn't do it. They can and likely will change the deal before you retire. My spouse is in the NJ pension system. A few years ago they took away the COLA and now they aren't funding the pension. You are handing over $81k but have little recourse if they pull the rug out between now and...
by DonDraper
Fri Jun 13, 2014 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy time in my gov't pension plan?
Replies: 24
Views: 2206

Re: Bond ETFs a certain loss?

I'm struggling with same dilemma. I'm considering using CD's, I Bonds, Online savings accounts for a portion of what would have been my bond allocation. It feels like market timing which I hate to do but it just seems foolish to sit with 30-40% bonds. The other issue is there is no CD option when it...
by DonDraper
Thu Jun 12, 2014 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond ETFs a certain loss?
Replies: 16
Views: 1181

Re: well off living paycheck to paycheck

I have a sibling who is married with a combined income of $200k and they live paycheck to paycheck. The spouse makes $130k and contributes ZERO to her 401k. The other spouse makes $70k and contributes 5% to his 401k. They are in their mid 40's. They also have 2 boys in middle school and they haven't...
by DonDraper
Sun Mar 23, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: well off living paycheck to paycheck
Replies: 16
Views: 2651

Re: Alternatives to MINT.com

How do you (meaning anybody reading this) know you can trust these free services with the user name and passwords to your actual financial custodians? I'm concerned that someone could hack the free services and get my passwords. I realize the services keep passwords in encrypted files, but even enc...
by DonDraper
Wed Mar 05, 2014 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternatives to MINT.com
Replies: 33
Views: 5759

Re: Vanguard Total Bond Market or 4% fixed at ING?

How are you getting a 4% fixed rate at ING?
by DonDraper
Sun Mar 02, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond Market or 4% fixed at ING?
Replies: 14
Views: 2700

Re: Anyone ever buy Masters tickets in Augusta?

I really REALLY want to go to a Masters practice round this year, but haven't gotten any tickets. And they're $600 on Stubhub, so that's too much. Has anyone bought them down in Augusta the day of the tournament before? If so, did you find a better deal than the online prices? I went to a US Open p...
by DonDraper
Sat Mar 01, 2014 8:14 am
 
Forum: Personal Consumer Issues
Topic: Anyone ever buy Masters tickets in Augusta?
Replies: 17
Views: 1846

Re: Allan Roth on "Richest Guy in the Graveyard"

I would like to be rich in the graveyard because that money will then transfer to my children.
by DonDraper
Sat Mar 01, 2014 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Allan Roth on "Richest Guy in the Graveyard"
Replies: 53
Views: 7019

Re: Where do you invest your child's savings?

This might be a dumb question but can you open the Target Retirement Fund in the child's social security number?
by DonDraper
Sun Feb 23, 2014 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do you invest your child's savings?
Replies: 30
Views: 1568

Where do you invest your child's savings?

My son is going to make his 1st Communion this Spring(age 8). When it's all said and done he will probably have between $500-$1000 accumulated. My first instinct was to take him to the bank and open up a Kid's saving account so he can learn about interest income, however with interest rates so low I...
by DonDraper
Sun Feb 23, 2014 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do you invest your child's savings?
Replies: 30
Views: 1568

Re: Wow! Jim Cramer hates passive index investing

I love Cramer as an entertainer but that's it. Read the book "Trading With The Enemy". It was written by a guy who used to work for Cramer at his hedge fund. Cramer was an absolute maniac back in the day. Great book. Cramer's "Confessions of a Street Addict" is also very entertai...
by DonDraper
Tue Feb 11, 2014 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Wow! Jim Cramer hates passive index investing
Replies: 52
Views: 5859

Re: Retire by 55?

I recommend the website and book called Early Retirement Extreme. If you follow his methods and lifestyle, you have enough money to retire.
by DonDraper
Sun Feb 09, 2014 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Retire by 55?
Replies: 41
Views: 5673

Re: Not happy with market

I'm the opposite. I'm enjoying this sell off. I was so tired of hearing we were due for a pullback. I'm still contributing to the market and it feels better to buy at these levels. Prior to this pullback it was starting to feel like a bubble. I wouldn't mind another 5% pullback just for my piece of ...
by DonDraper
Wed Jan 29, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Not happy with market
Replies: 148
Views: 13602

Re: Portfolio 100% Denominated in US Dollar Assets

You don't own international stocks? Yes I do but maybe I'm not making myself clear. Even if I own the vanguard Total International Stock index it is still denominated in US dollars. My question is does that matter? Guys like Jim Rogers are telling investors they should invest in something like DSUM...
by DonDraper
Sat Jan 25, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Portfolio 100% Denominated in US Dollar Assets
Replies: 9
Views: 1162

Portfolio 100% Denominated in US Dollar Assets

I reading something from Jim Rogers where he was warning against holding all of your portfolio in US dollar assets. Help me understand why this is something we should be considered about. If I own the Vanguard Total Stock Market Index Fund and we have a major collapse in the dollar, sure the value o...
by DonDraper
Sat Jan 25, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Portfolio 100% Denominated in US Dollar Assets
Replies: 9
Views: 1162

Re: Good Bogleheads Podcasts?

The Money Guy Podcast. It's very good. The host is like my financial twin. They put out a show once every two weeks.
by DonDraper
Fri Jan 17, 2014 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: Good Bogleheads Podcasts?
Replies: 12
Views: 1401

This Stock Market run makes me want to payoff mortgage

This seemingly never ending bull market makes it very tempting to want to cash in a large portion of my portfolio and just payoff my mortgage. Of course practically speaking it's not feasible because most of it is tied up in retirement accounts. I just have that feeling that a big correction is comi...
by DonDraper
Fri Dec 20, 2013 10:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: This Stock Market run makes me want to payoff mortgage
Replies: 32
Views: 3399

I Bonds

In the "I just inherited 1 million dollars" thread several posters recommended immediately purchasing $10k of I bonds for both the husband and wife. I'm wondering what rationale behind this would be? I own I bonds and they are currently yielding a little over 1%. I understand they can make...
by DonDraper
Tue Dec 10, 2013 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds
Replies: 13
Views: 1326

Re: I just inherited $1 million

I'm a little surprised at the consensus......I definitely don't consider the investments that I brought to my marriage as solely belonging to me anymore. Seems to go against the point of marriage. I agree, this is now "joint" money in my book. That is how we treat money in our marriage. T...
by DonDraper
Tue Dec 10, 2013 8:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: I just inherited $1 million
Replies: 65
Views: 11253

Re: Obamacare, increased health costs, disappearing 401k?

My large corporation has reported that our healthcare premium contributions will be flat to slightly lower in 2014.
by DonDraper
Wed Nov 06, 2013 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obamacare, increased health costs, disappearing 401k?
Replies: 41
Views: 4179

Re: Am I saving enough?

If you can't handle retirement saving $40k a year, god help the rest of this country. You're probably in the top 5-10% of savers.
by DonDraper
Wed Sep 11, 2013 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I saving enough?
Replies: 27
Views: 3085

Re: Question about health insurance(pre existing conditions)

Thanks for the information. If you don't mind me asking, were you able to eventually get insurance? Also if you go from one corporate group insurance immediately to another, are they allowed to give you general coverage but then refuse to pay for just the costs related to your pre existing condition...
by DonDraper
Sun Jul 28, 2013 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Question about health insurance(pre existing conditions)
Replies: 13
Views: 1031

Question about health insurance(pre existing conditions)

I had a bit of health scare earlier this year. I had a small cancerous growth removed from my kidney. I was lucky it was found extremely early and it was able to be completely surgically removed and I'm told there's a greater than 95% chance it won't return. I'm fine now but the experience left me c...
by DonDraper
Sat Jul 27, 2013 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question about health insurance(pre existing conditions)
Replies: 13
Views: 1031

Re: Buckets of Money Founder Fined and Banned

I wonder if this opens up Lucia to a whole host of lawsuits from investors who will come out of the woodwork claiming they lost money using his strategy? If he can avoid the lawsuits he'll probably be okay financially. He's up there in age and I would imagine has accumulated significant net worth ov...
by DonDraper
Wed Jul 24, 2013 6:23 am
 
Forum: Investing - Theory, News & General
Topic: Buckets of Money Founder Fined and Banned
Replies: 45
Views: 7868

Interest Rates Rising But Not My Online Savings Account

The 10 year is now over 2.6%, Mortgage rates are rising, and my online savings account hasn't moved a single basis point. This reminds me of gas prices, very quick to increase but very slow to decrease. Has anyone noticed an interest rate increase in their savings account? Might be time shop around.
by DonDraper
Mon Jun 24, 2013 7:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Interest Rates Rising But Not My Online Savings Account
Replies: 2
Views: 642

Re: Tax Planning for a large Capital Gain

The new capital gains rates and how they are calculated is confusing the heck out of me. If someone has W-2 income that puts them solidly in the married filing joint 25% bracket(lets say 145k) and then you throw a large $700k long term capital gain on top of it. Will the $700k LTCG be taxed at 23.8...
by DonDraper
Thu Jun 20, 2013 6:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax Planning for a large Capital Gain
Replies: 4
Views: 606

Tax Planning for a large Capital Gain

The new capital gains rates and how they are calculated is confusing the heck out of me. If someone has W-2 income that puts them solidly in the married filing joint 25% bracket(lets say 145k) and then you throw a large $700k long term capital gain on top of it. Will the $700k LTCG be taxed at 23.8%...
by DonDraper
Wed Jun 19, 2013 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Planning for a large Capital Gain
Replies: 4
Views: 606

Why do a 5:4 stock split on a $31 stock?

I own shares in Aqua America (WTR). Today they announced a 5:4 stock split. The stock is only trading at $31 prior to the split.

What would be the motivation behind this stock split?
by DonDraper
Thu May 09, 2013 8:56 pm
 
Forum: Investing - Theory, News & General
Topic: Why do a 5:4 stock split on a $31 stock?
Replies: 11
Views: 1047

Re: Dave Ramsey and 7%

I never did a budget in my life. So you're single? :) One thing Dave teaches is that most marriages have one nerd and one "free spirit". I am definitely the nerd (saver, budget-conscious) whereas Mrs. Nozzle is... um, not. The only reason we have a budget is because she needs financial bo...
by DonDraper
Fri Apr 19, 2013 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey and 7%
Replies: 46
Views: 8942

Re: Choosing a REIT: index fund or ETF?

Have you considered the Schwab US REIT ETF (SCHH). The expense ratio on this ETF is just .07%.
by DonDraper
Thu Apr 18, 2013 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing a REIT: index fund or ETF?
Replies: 9
Views: 1080

Checking Net Worth Only Once a Year

I'm trying something new. I felt I was getting a overly obsessed with my portfolio and my net worth. I track my investments in Quicken and found myself updating and viewing my total investment value every evening after the market closed. This was causing me to be overly frugal as I didn't want to se...
by DonDraper
Tue Apr 16, 2013 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checking Net Worth Only Once a Year
Replies: 41
Views: 4550

Re: Car buying and financial ratios - what do Bogleheads do?

I just attended a large national auto show. I was surprised at how expensive non luxury brand cars were selling for. Bottom line $35k for an automobile is NOT an outrageous amount anymore. A loaded up Camry will cost you $30k. You make $300k a year with a net worth in the millions. I would buy that ...
by DonDraper
Sat Feb 16, 2013 8:32 am
 
Forum: Personal Consumer Issues
Topic: Car buying and financial ratios - what do Bogleheads do?
Replies: 100
Views: 8833

Re: Dave Ramsey recommends 2 funds on the air

He recently did a rant on diversification. His idea of diversification is recommending four different styles of equity mutual funds. He doesn't recommend any bonds, gold, or commodities.
by DonDraper
Wed Feb 13, 2013 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey recommends 2 funds on the air
Replies: 53
Views: 8701

Re: are my 1099's going to be revised?

What problems is the IRS having? I haven't heard anything other than they started processing returns a couple weeks later than normal.
by DonDraper
Mon Feb 11, 2013 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: are my 1099's going to be revised?
Replies: 13
Views: 670

Re: Where to Invest Emergency Fund and Money that's in ING?

ING has had its day. I used it briefly but other competitors are providing great service and better rates. Ally and Discover bank and Pen Fed Credit Union to name a few. They would be good choices for your emergency fund. Of course the key for an emergency fund is that it is safe and liquid -- but ...
by DonDraper
Sun Feb 03, 2013 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to Invest Emergency Fund and Money that's in ING?
Replies: 23
Views: 2965

Re: C Corp - Qualified Dividend Treatment

Thanks for the response. This is a situation where the person received a 1099 from this type of company but the qualified dividend box was blank. It could be an error or there may be another factor involved they(-and I) aren't aware of.
by DonDraper
Sat Feb 02, 2013 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: C Corp - Qualified Dividend Treatment
Replies: 2
Views: 503

C Corp - Qualified Dividend Treatment

If you own your own business as a privately held C corp and the business declares a dividend, would you get qualified dividend treatment on those dividends? Would this have something to do with whether the shares were considered common shares or preferred shares? What about family members who owned ...
by DonDraper
Sat Feb 02, 2013 11:21 am
 
Forum: Investing - Help with Personal Investments
Topic: C Corp - Qualified Dividend Treatment
Replies: 2
Views: 503

Re: How much do you expect your kids to pay for college?

I paid, but I had rules: 1) The Bank of Dad closes in 4-years, i.e. you've got 4 years to get a degree on my nickel. 2) College is the only inheritance you're getting from me. Don't blow it. 3) You're earning a degree in a subject where you can get a job and have a career. 4) No body piercings or t...
by DonDraper
Sun Jan 27, 2013 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: How much do you expect your kids to pay for college?
Replies: 237
Views: 16795

Re: Your most intense movie scene

The Christopher Walken/ Dennis Hopper interrogation scene in True Romance. Great movie, great scene.
by DonDraper
Tue Jan 15, 2013 10:34 pm
 
Forum: Personal Consumer Issues
Topic: Your most intense movie scene
Replies: 155
Views: 9810

Re: Pay off mortgage sooner or invest in taxable funds?

Can you beat 3.75% by investing the money? That's probable but not guaranteed.
by DonDraper
Thu Jan 10, 2013 7:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage sooner or invest in taxable funds?
Replies: 28
Views: 3060

Re: Just Deleted Our Mint Account

I don't understand the security concern here. Even if you gave a stranger your mint login information they could see your accounts but not actually access any of the accounts. Isn't the only risk that someone hacks the mint database that stores all the account infor, but that has the same level of ...
by DonDraper
Sun Dec 30, 2012 10:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Just Deleted Our Mint Account
Replies: 73
Views: 9247
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