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Re: Time For Me to Kick Wellington Through The Goalpost of L

Wellington vs VTINX is not a fair comparison at all. Wellington is about 60% stocks, whereas VTINX is only 30%. Of course Wellington is going to outperform VTINX during a bull market for stocks. A more fair comparison would be Wellesley (VWINX) vs VTINX, since they both hold about 30% stocks: https...
by Grt2bOutdoors
Fri Oct 24, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 14
Views: 1189

Re: Time For Me to Kick Wellington Through The Goalpost of L

Rats!! I hate it when I have to eat crow... I re-checked and found I'd omitted a couple of transactions from my XIRR calculation and the more-sharp-eyed Bogleheaders (than me) are correct. Wellington has done better... my experiment will have to continue for awhile longer... :oops: I own Wellington...
by Grt2bOutdoors
Fri Oct 24, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Time For Me to Kick Wellington Through The Goalpost of Life?
Replies: 14
Views: 1189

Re: How do you wash your car?

Timely post - I'm planning on washing my car this weekend, and giving it a hard-earned wax, just before winter shows up on my doorstep.
by Grt2bOutdoors
Fri Oct 24, 2014 8:48 am
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 128
Views: 5332

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

Every 3-4 months for my car with dino oil.
Wife's car - every 5K in mileage - also dino oil.
by Grt2bOutdoors
Fri Oct 24, 2014 8:39 am
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 43
Views: 1266

Re: Stay-at-home mom looking to invest

+1 on BL's suggestion. Recommend you visit Rickferri.com blog and download his free book, Serious Money. Also, for a more in depth look at asset allocation, pick up a copy of All About Asset Allocation written by Rick from your local library. The best investment you can make to secure your future is...
by Grt2bOutdoors
Thu Oct 23, 2014 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stay-at-home mom looking to invest
Replies: 6
Views: 714

Re: Hedge CDs with long-term Treasurys?

Depending on how much you're planning on buying, I would think EE Savings Bonds would look more appealing for an individual U.S. investors at today's rates. The fact that the EE Savings Bonds are guaranteed to double in 20 years means if you hold onto them for that length of time your effective rat...
by Grt2bOutdoors
Thu Oct 23, 2014 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge CDs with long-term Treasurys?
Replies: 8
Views: 507

Re: Gift ideas for kids?

Doll for the girl. Thomas the Train wooden train set for the boy.
by Grt2bOutdoors
Thu Oct 23, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Gift ideas for [1yo boy and 4yo girl]?
Replies: 9
Views: 477

Re: Int'l value fund question

The methodology is not the same - RAFI uses fundamental weighing and is not market cap based. The Vanguard International Value fund is actively managed, not an index. The EFV product is indexed to MSCI. In an effort to mitigate the effects of mispricing, the Fundamental Index methodology assigns wei...
by Grt2bOutdoors
Thu Oct 23, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Int'l value fund question
Replies: 3
Views: 335

Re: [Wants current income and to leave an estate]

Thanks everyone. That answered my questions to date. I need to find out how much I am willing to live on annual and hope that it's less that 4% of principle. I will also invest the money in more stocks than bonds to satisfy the first criteria and keep the rest for current income. I think it's time ...
by Grt2bOutdoors
Thu Oct 23, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Wants current income and to leave an estate]
Replies: 9
Views: 700

Re: Just wondering how you personally calculate net worth

Assets - Liabilities = Sum that is then multiplied by 0.50% to account for taxes and others thoughts on what my net worth should really be! :)
by Grt2bOutdoors
Thu Oct 23, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 53
Views: 3025

Re: Got my first cold call - does this mean I've 'made it?'

Got a new call - they wanted to "help me de-correlate my portfolio from the broad market indexes" :oops: :oops: and sell me a credit card for payment efficiency. :oops:
by Grt2bOutdoors
Thu Oct 23, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 30
Views: 5394

Re: investing during retirment

Thank for responding I have about 50k cash 500k in funds at vanguard I am trying to find some income portfolios with vanguard that will give me a monthly income of 1,200 to 1,500 from my 500k at vanguard Why not just establish a monthly withdrawal/redemption from each of your funds on a month basis...
by Grt2bOutdoors
Thu Oct 23, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing during retirment
Replies: 19
Views: 1521

Re: Slice & Dice International

If you're going to slice and dice, why not hold value-y international equities?
EFV - for EAFE Value
DLS - Wisdomtree Small Cap Dividend

I wouldn't necessarily be fixated on holding specific regions as most broad market indexes will hold ALL of the international regions-ex US.
by Grt2bOutdoors
Thu Oct 23, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice & Dice International
Replies: 9
Views: 770

Re: Emergency Fund Questions

Do you have kids? Do you have abnormal expenses due to medical conditions, family members outside of immediate family relying on you for primary means of financial support? 1 year is the bare minimum if you are a private sector worker who may have a 2 year job search (I'm not kidding either on the d...
by Grt2bOutdoors
Thu Oct 23, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Questions
Replies: 9
Views: 1022

Re: Investment Vehicle for MBA Savings?

80% Short Term Investment Grade
10% Total Stock Market Index
10% Total International Index

^^ If 529 plan is not "in the cards".
by Grt2bOutdoors
Thu Oct 23, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Vehicle for MBA Savings?
Replies: 4
Views: 220

Re: Young Investors Plan – I'm Firing Questions!

Hello and Welcome to the forum! If it were me, I'd open the Total Stock Market this year, then open the Total International Stock next year, followed by the Total Bond Market the following year. Rinse and repeat. Since you are okay with 100% stock, diversifying 50/50 into two different geographical ...
by Grt2bOutdoors
Thu Oct 23, 2014 8:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Young Investors Plan – I'm Firing Questions!
Replies: 7
Views: 676

Re: Loaning money to invest?

Banks do not usually hand out "personal" loans for "any" use at 3%. If you want to borrow and invest, that is called a margin account. If you took a loan from a bank without declaring the true intent of that loan and then you invest, that is called "fraud". The penaltie...
by Grt2bOutdoors
Thu Oct 23, 2014 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Loaning money to invest?
Replies: 11
Views: 976

Re: Risk in a high dividend stock portfolio

Hi all, I'm a few years (2 to 5) until retirement, I'm wondering about high dividend stocks. Looking at the site, http://www.dividend.com/dividend-stocks/high-dividend-yield-stocks.php and eliminating say the first 12, just because the dividend is so high you will see 80 stocks paying between 15.69...
by Grt2bOutdoors
Wed Oct 22, 2014 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Risk in a high dividend stock portfolio
Replies: 19
Views: 1883

Re: Sold all my individual stocks, but....

Dominion Power is a sub of Dominion Resources. VTSAX held approximately 9,515,359 shares valued at $657,416,153 at September 30, 2014.
Out of 3,657 equities, it ranks at number 107 largest holding. :happy
by Grt2bOutdoors
Wed Oct 22, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Sold all my individual stocks, but....
Replies: 5
Views: 856

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

dillrob, note that if you do have them split the distribution into tIRA and Roth IRA, the presence of the tIRA will interfere with your ability to do back door contributions to Roth IRA. Is that an issue for you? It is an issue for some people who want to do both things (after-tax rolled into Roth ...
by Grt2bOutdoors
Wed Oct 22, 2014 12:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 83
Views: 7724

Re: Give me a road map!

You need a tax attorney, not so much a CPA unless the CPA will handle the business accounting end of it. Next, whatever investment schemes they cook up (and believe me, they will cook up quite a few of them) - AVOID the following - Whole Life Insurance, Variable Annuities, Partnerships. Trusts set u...
by Grt2bOutdoors
Wed Oct 22, 2014 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Give me a road map!
Replies: 21
Views: 2127

Re: lost 8606 from years ago - am I in trouble?

Write to the IRS for a copy of your filed income tax return for the year in question. They should send you a copy of your entire return, including the missing Form 8606. Problem solved, don't worry. I don't know the year...it was 8-15 years ago Dear IRS: I am writing to request a full copy of my Fo...
by Grt2bOutdoors
Wed Oct 22, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1667

Re: I/EE Bonds Nov Rates and 2015 401K Limits?

The CPI-U for September increased 0.1 percent, and the CPI-U increased 1.7 percent over the last 12 months. As for Series I bond rates, the increase in CPI-U from March through September is 0.74%. The rate for the next six month period, excluding any additional fixed rate, is 0.74%. Look for them t...
by Grt2bOutdoors
Wed Oct 22, 2014 8:49 am
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 30
Views: 3955

Re: Gross Yearly Income needed in Retirement (Speculation)

The "rules of thumb" all seem to be a percentage of pre-retirement income. I found that ridiculous, since (like most Bogleheads) we saved a LOT. So instead, I kept track of actual expenses for several years. Everything went through our joint checking account, so it was simple to get a CSV...
by Grt2bOutdoors
Wed Oct 22, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 90
Views: 5644

Re: lost 8606 from years ago - am I in trouble?

Write to the IRS for a copy of your filed income tax return for the year in question. They should send you a copy of your entire return, including the missing Form 8606. Problem solved, don't worry.
by Grt2bOutdoors
Wed Oct 22, 2014 8:41 am
 
Forum: Personal Finance (Not Investing)
Topic: lost 8606 from years ago - am I in trouble?
Replies: 16
Views: 1667

Re: Gross Yearly Income needed in Retirement (Speculation)

Wow, so many people are such spenders. I think 40k after taxes is plenty to do all those things you listed with no debt for us. Try that when real estate property taxes cost $15K per year for an "average" home. Or rent for a 1 bedroom efficiency apartment is $1,400 but a parking space cos...
by Grt2bOutdoors
Wed Oct 22, 2014 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 90
Views: 5644

Re: Gross Yearly Income needed in Retirement (Speculation)

Wow, so many people are such spenders. I think 40k after taxes is plenty to do all those things you listed with no debt for us. Try that when real estate property taxes cost $15K per year for an "average" home. Or rent for a 1 bedroom efficiency apartment is $1,400 but a parking space cos...
by Grt2bOutdoors
Wed Oct 22, 2014 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 90
Views: 5644

Re: Should I sell My American Funds?

I accounts over to another fund family (most likely Vanguard). I am in the 39.6% tax bracket. Am I correct in assuming I can transfer my IRA's and Roth IRA's to Vanguard without tax consequences? Would there be any tax consequences for the UTMA's? I have one taxable investment account that I assume...
by Grt2bOutdoors
Wed Oct 22, 2014 8:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I sell My American Funds?
Replies: 10
Views: 1243

Re: Gross Yearly Income needed in Retirement (Speculation)

How much gross yearly income before taxes do you think you need in retirement? I'm looking to get a bunch of different viewpoints on this. Here are the parameters. -You own a house and it's paid for free and clear -You own cars outright -You have no debt of any kind whatsoever -You want to live a m...
by Grt2bOutdoors
Tue Oct 21, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gross Yearly Income needed in Retirement (Speculation)
Replies: 90
Views: 5644

Re: Can I stop saving for a retirement 30 years in the futur

I'm a lot older than you are and at least twice as pessimistic , but I'd be really nervous planning on achieving 4% real growth . I hope that comes to pass, because I'd be living large, but I can't bring myself to rely on it. IMO, max out retirement savings. Hopefully, you will have jobs so gratify...
by Grt2bOutdoors
Tue Oct 21, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I stop saving for a retirement 30 years in the future?
Replies: 11
Views: 2537

Re: Seeking Retirement Portfolio Advice

Great job saving! Nice handle! :)

If you were to utilize the self-brokerage window, what charges would you pay if one were to buy ETF's for instance or mutual funds that are not associated with JP Morgan Chase?
by Grt2bOutdoors
Tue Oct 21, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Retirement Portfolio Advice
Replies: 4
Views: 536

Re: Bonds in taxable or tax advantaged?

If I am using a 2 Fund Portfolio (VTSMX/VTI & VBMFX/BND), with ETFs for both, and given the relatively low Bond yields, does it really matter which account (taxable vs. tax advantaged) to use for either fund? Thanks What is your tax bracket and what is the dollar volume you are talking about? L...
by Grt2bOutdoors
Tue Oct 21, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable or tax advantaged?
Replies: 9
Views: 838

Re: Fund 529 or Catchup 401K Contributions

Does your 401K plan permit after-tax contributions to it? If so, you may want to consider doing that so long as the plan permits at least a once per year in-service distribution of those after-tax contributions that are then directly rolled over into a ROTH IRA account. Just another tool in the box ...
by Grt2bOutdoors
Tue Oct 21, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund 529 or Catchup 401K Contributions
Replies: 4
Views: 245

Re: Fund 529 or Catchup 401K Contributions

I would vote for 401k plan if the investment options are as cheap as those within the 529 plan. If the 401k plan had costly investment options then maybe the 529 plan would be preferable. Retirement assets are not considered for financial aid or college costs at the present time, plus you would get ...
by Grt2bOutdoors
Tue Oct 21, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund 529 or Catchup 401K Contributions
Replies: 4
Views: 245

Re: Leon Cooperman giving the same advice as Warren

Pretty much in line with where I have been moving for a year or so. Exception is I hold more than 1 index fund. For me setting aside X years of living expenses in a CD ladder or I Bonds then buying equities (especially on dips) has been a more attractive approach then buying an intermediate term bo...
by Grt2bOutdoors
Tue Oct 21, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3220

Re: Leon Cooperman giving the same advice as Warren

Well, if two giants said it, Vanguard is clearly wrong. Sell all your bonds, immediately. Yes, please do so...I along with Warren's insurance subsidiaries will be there to scoop up those higher yields. Lower prices = higher yields. Both Warren and Leon clearly need higher yields to propel their pla...
by Grt2bOutdoors
Tue Oct 21, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3220

Re: What Are We Doing To Our Young Investors?

Three cheers for the "I need it now, I want it now" society, NOT! :annoyed
by Grt2bOutdoors
Tue Oct 21, 2014 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4061

Re: Investment Advice Please - boglehead redux

You are currently 50% equity and 50% fixed income based on your holdings of mutual funds only. You hold a $150K note to your son, do you have a documented mortgage on the property in case of default? A 5% interest rate is above market these days, if your son had decent credit he could theoretically ...
by Grt2bOutdoors
Tue Oct 21, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Advice Please - boglehead redux
Replies: 3
Views: 382

Re: Can I stop saving for a retirement 30 years in the futur

Your annual expense run rate - does that include the cost of individually paid healthcare for a family of four? Are you currently covered by an employer paid plan? If so, you may find the cost of your healthcare will go up much higher than you are currently budgeting. To answer your question - can y...
by Grt2bOutdoors
Tue Oct 21, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I stop saving for a retirement 30 years in the future?
Replies: 11
Views: 2537

Re: What Are We Doing To Our Young Investors?

"We" are teaching them to live to the limit, take a jump over the cliff even though statistics bear out the grim truth - those who take un-necessary risk will pay the price. There is prudent risk taking and then there is absolute foolishness. Guess which bucket industry is in?
by Grt2bOutdoors
Tue Oct 21, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: What Are We Doing To Our Young Investors?
Replies: 29
Views: 4061

Re: Why I won't have bond funds

The author is pining for the high inflation days of the 1970s because back then, you could pick up bonds at 15% nominal interest. The author doesn't remember the 1970's except the bell bottom pants because the author was still a child. I remember the oil embargo and waiting in a very long line for ...
by Grt2bOutdoors
Tue Oct 21, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 47
Views: 6030

Re: Why I won't have bond funds

I wonder how many clients of Arden get a warm and fuzzy feeling reading that gibberish. The author fails to back up her "analysis" with the actual math behind total return of a bond fund. :oops: The author clearly does not understand the mechanics of asset allocation, diversification, how ...
by Grt2bOutdoors
Tue Oct 21, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 47
Views: 6030

Re: Leon Cooperman giving the same advice as Warren

Cash = Fiat money Bonds = are promissory notes to pay back borrowed money at a set date in time Equities = claims on illusory profits. One can hold both cash and short-term fixed bonds and equities to realize the benefits of diversification and capital growth. Bonds should never be thought of as a h...
by Grt2bOutdoors
Mon Oct 20, 2014 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3220

Re: Help needed implementing our Boglehead plan

How much "out of whack" will your overall asset allocation become? Unless your biweekly contributions amount to a percent of portfolio exceeding 5%, I would just make your contributions each paycheck and re-balance once per year using a methodology similar to the 5/25 rule as shown in the ...
by Grt2bOutdoors
Mon Oct 20, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help needed implementing our Boglehead plan
Replies: 2
Views: 315

Re: How does one hedge against deflation?

I Bonds work well in both inflationary and deflationary periods. Since the composite rate on I Bonds can never go below 0%, the greater the rate of DEflation, the higher the REAL return will be. EE bonds also guaranteed to double in 20 years John You beat me to it today, but I've been recommending ...
by Grt2bOutdoors
Mon Oct 20, 2014 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: How does one hedge against deflation?
Replies: 52
Views: 3800

Re: Inherited IRA investment for 20-somethings

I suggest you have them look at the Vanguard Target Retirement funds. Just that one fund alone is all they need inside the inherited IRA. For the other child, you can add money to the 529 as a gift from someone besides the parents. The 529 does not have a limit, the parents face the gift limit. Lau...
by Grt2bOutdoors
Mon Oct 20, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA investment for 20-somethings
Replies: 13
Views: 748

Re: Saving for College - Help choosing 529 plan

I also consider paying down my mortgage investing for college since the $ that goes to mortgage can be used for college once the debt is paid off. When I looked into 529s I was discouraged by the fees, but I may relook. lafder That works if you have stable low risk of unemployment, otherwise you ma...
by Grt2bOutdoors
Sun Oct 19, 2014 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for College - Help choosing 529 plan
Replies: 11
Views: 925

Re: Saving for College - Help choosing 529 plan

I greatly appreciate the comments. I’ve spent a few hours searching the forums and reading about each of the following plans that I’ve outlined below. I plan to select one as my path forward – just need suggestions on each and recommendations on asset allocations. Utah 529 Plan: Current aged-based ...
by Grt2bOutdoors
Sun Oct 19, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for College - Help choosing 529 plan
Replies: 11
Views: 925

Re: Advice sought for $6M investment

What is your state tax bracket? Do you pay income tax there? Total Bond Market Index currently yields 2.07%, someone in the 33% tax bracket will give up .68% in taxes to the Feds for a total yield of 1.38%. Instead, if you hold Vanguard Tax Exempt Intermediate Fund you will earn about 2.358% on a ta...
by Grt2bOutdoors
Sun Oct 19, 2014 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice sought for $6M investment
Replies: 36
Views: 3671

Re: Personal Investment Decision

Hi everyone, I thought this would be a good place for me to come for investing advice. I am 24 years old and I am an accountant. I have $70,000 to invest. Using this money towards advanced schooling is not beneficial as I have already earned an MBA. Obviously since I am young I have an aggressive r...
by Grt2bOutdoors
Sun Oct 19, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Personal Investment Decision
Replies: 16
Views: 1522
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