Search found 54 matches

Return to advanced search

Re: Razors are getting expensive

Consider double edge (DE) blades in a safety razor as an option.. The Badger and Blade forum is an excellent resource to peruse to determine if this type of shaving is something you might want to try. http://badgerandblade.com/vb/forum.php http://www.bogleheads.org/forum/viewtopic.php?f=11&t=126...
by IronHorse1928
Sun Jan 12, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Razors are getting expensive
Replies: 22
Views: 1574

Re: Thinking about buying a 2014 Acura RDX

Consider a loaded Honda CRV.
by IronHorse1928
Sun Jan 12, 2014 6:14 pm
 
Forum: Personal Consumer Issues
Topic: Thinking about buying a 2014 Acura RDX
Replies: 44
Views: 4595

Re: Converting to Safety Razors

12thman, Thank you for starting this thread. It motivated me to research this form of shaving. In addition, as another motivator, I became disillusioned at the price of Gillette Mach 3 cartridges at BJ's. I recently posted the below on the Badger and Blade forum. Sometime in the middle of November ...
by IronHorse1928
Thu Jan 02, 2014 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 50
Views: 4158

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1977
Happy New Year to all. Thanks to those who contribute to this site to make this an excellent resource for sensible investors.
by IronHorse1928
Wed Jan 01, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 13825

Re: Admiral Shares for Target Retirement and Life Strategy F

Taylor Larimore wrote:Iron Horse:

There is more than one good road to Dublin.

Best wishes
Taylor


Taylor, I agree :happy

Blues, thanks for the info. Sounds like Vanguard can invest into lower cost admiral shares should they determine there is enough demand. Thanks for looking. A LEO after my own heart!!
by IronHorse1928
Sun Jun 23, 2013 8:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares for Target Retirement and Life Strategy Funds
Replies: 17
Views: 2229

Re: Admiral Shares for Target Retirement and Life Strategy F

I was looking at Wellington and Wellesley as examples. Each requires 50K minimum in order to purchase the admiral share class. That would be a reasonable starting point if Vanguard were to consider adding an admiral share class for LS and TR funds. I have considered the DIY approach and most likely ...
by IronHorse1928
Sun Jun 23, 2013 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares for Target Retirement and Life Strategy Funds
Replies: 17
Views: 2229

Admiral Shares for Target Retirement and Life Strategy Funds

I was recently selected to participate in a Vanguard survey. I suggested Vanguard make admiral shares available for Target Retirement Funds and Life Strategy Funds.

As an investor in Life Strategy Funds, my hope is Vanguard has this suggestion under consideration.
by IronHorse1928
Sat Jun 22, 2013 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares for Target Retirement and Life Strategy Funds
Replies: 17
Views: 2229

Re: Investment Guidance for MIL After Home Sale and Relocati

Damjam, thanks for responding. The 50K-80K is in addition to the small 401K and IRA. I know it is cutting it thin, but these are the numbers I am trying to give her guidance with. A SPIA is something I have not looked into thoroughly at this point and I will do my due diligence and research it. Than...
by IronHorse1928
Tue Jun 04, 2013 9:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Guidance for MIL After Home Sale and Relocation
Replies: 7
Views: 473

Re: Investment Guidance for MIL After Home Sale and Relocati

Her intention is to draw 1K per month from her investments. ... She has a small 401K and IRA which combined would cover her for 2years @ 1K /mo. What is the plan for the point after which these funds run out? The plan is a $100K max budget for purchase of a residence. 200K into Vanguard Taxable acc...
by IronHorse1928
Tue Jun 04, 2013 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Guidance for MIL After Home Sale and Relocation
Replies: 7
Views: 473

Investment Guidance for MIL After Home Sale and Relocation

Hello to all. I am in the process of suggesting some financial options for my Mother-in-Law (MIL). She recently sold her home and is in the process of relocating to a tax free state (Fl.). She has limited interest in the details of her portfolio but is open to my guidance. My initial assessment of h...
by IronHorse1928
Tue Jun 04, 2013 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment Guidance for MIL After Home Sale and Relocation
Replies: 7
Views: 473

Re: RTP, NC Chapter Meeting 2:30 PM Sat February 23, 2013

Steve, thanks for all the effort putting this excellent meeting together. Thanks to Larry Swedroe for sharing his insight and experience with all of us. A big thank you to Bull City Co-Working for hosting this meeting. It was a perfect venue. Regards to all. Tom
by IronHorse1928
Sun Feb 24, 2013 8:43 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: RTP, NC Chapter Meeting 2:30 PM Sat February 23, 2013
Replies: 6
Views: 1527

Re: Stocks and bonds serve different purposes.

Ironhorse: If an investor has access to SV Funds in their tax deferred space, is this a decent alternative to a short term bond fund? Definately not. Bonds are for safety. Stocks are risky. You can see this below: In 2008 Vanguard's Small-Cap Value Index Fund (VISVX) plunged -32.05% In 2008 Vanguar...
by IronHorse1928
Fri Feb 22, 2013 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Stable Value Fund - paradox?
Replies: 21
Views: 1663

Re: Stable Value Fund - paradox?

If an investor has access to SV Funds in their tax deferred space, is this a decent alternative to a short term bond fund?

I currently hold a SV Fund in a tax deferred account as part of the FI side of my portfolio. I have no short term bond funds.
by IronHorse1928
Fri Feb 22, 2013 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Stable Value Fund - paradox?
Replies: 21
Views: 1663

Re: Stable Value

Thanks for the replies. I did not even think to take a look at wiki. :oops: I currently hold, on the fixed income side of our portfolio, the Stable Value Income Fund, TBM, TIPS, PIMCO Emerging Markets Bond Fund and Wellington. Our portfolio is 60% equity funds / 40% bond funds. Yes, I have been read...
by IronHorse1928
Mon Feb 11, 2013 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stable Value
Replies: 7
Views: 676

Stable Value

In my 457 Plan (NYC), I have access to and maintain a portion of my fixed income in a Stable Income Fund. Would I be correct to consider this similar to a Short Term Bond Index Fund? Thanks in advance.
by IronHorse1928
Mon Feb 11, 2013 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Stable Value
Replies: 7
Views: 676

Portfolio construction: a self-critique

Just reflecting on our journey to Dublin and the route we have taken so far. Things we do or did right: -Contributed consistently to our tax advantaged accounts on a regular basis over an extended period of time with an appropriate allocation. We were bogleheadish and we didn’t even know it. -We und...
by IronHorse1928
Sat Feb 02, 2013 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio construction: a self-critique
Replies: 2
Views: 406

Re: When to jump in

[quote="livesoft"]Surprisingly, the market climate is pretty stable right now. The previous 12 months have had one of the lowest levels of volatility in memory.

That is, volatility can only go higher from here ... back to normal levels.

Define normal.
by IronHorse1928
Sat Jan 05, 2013 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to jump in
Replies: 31
Views: 1972

Re: Your International vs. U.S. Stock Allocation?

How much of an international component is factored into Total Stock Market (VTSAX)? Can that be quantified? My question is if I have 20% of my equities in Total International (VTIAX) and 80% in TSM (VTSAX), don't I have more than 20% International because of the global business conducted by US compa...
by IronHorse1928
Sat Dec 22, 2012 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Your International vs. U.S. Stock Allocation?
Replies: 73
Views: 6119

Re: Diversification of the Fixed Income side of the portfoli

There seems to be a wide range of views regarding the inclusion of corporate bond funds as discussed in the below topics. Jack Bogle seems to feel that adding some corporate exposure is not a bad choice. If I chose to purchase Intermediate Term Bond Index fund to add a little more exposure to US Inv...
by IronHorse1928
Mon Dec 17, 2012 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversification of the Fixed Income side of the portfolio
Replies: 14
Views: 1191

Re: Diversification of the Fixed Income side of the portfoli

The funds in question are in tax advantaged accounts.

Basically, If I did nothing, I would still be in good shape. The diversification of Total Bond and Inflation Protected Securities should be adequate. So if it ain't broken, don't fix it.
by IronHorse1928
Sun Dec 16, 2012 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversification of the Fixed Income side of the portfolio
Replies: 14
Views: 1191

Diversification of the Fixed Income side of the portfolio

I get a sense from reading various posts on bogleheads.org that investors are diversifying their bond investments beyond Total Bond and Inflation Protected Securities funds. Does anyone feel that Total Bond and Inflation Protected Securities funds are adequately diversified bond fund options going f...
by IronHorse1928
Sun Dec 16, 2012 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Diversification of the Fixed Income side of the portfolio
Replies: 14
Views: 1191

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

My suggestion is to minimally have a written plan that takes into consideration IF your wife should happen to be disinterested in this topic while having to deal with significant and excessive (my opinion) number of accounts and holdings.[/quote] Agreed. His R/O IRA & Roth IRA can't be consolida...
by IronHorse1928
Sun Nov 04, 2012 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

Still too many funds. There is no need for more than one or two bond funds and two or three stock funds if desired. Total Stock, Total International, US REIT, Total Bond (Intermediate Tax Exempt in taxable), maybe Inflation bonds. That is it. You noted some of Jack Bogle's books above. From reading...
by IronHorse1928
Sun Nov 04, 2012 8:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

I realize this is a July 2012 thread that keeps on ticking. ⋅ Unless 5% of portfolio is a few six figures ($xxx,xxx), it doesn't matter if you hold SC Index, REIT Index, etc. ⋅ What matters is how much you make/save and how you get to retirement with the financial resources to ke...
by IronHorse1928
Sun Nov 04, 2012 8:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

You didn't ask a question, so I'm not sure if you have one or not. But I do. It appears you have 28 different "positions" when you could have had only 11. Why do you want to do it that way? You don't have to answer and if you like it, it does not matter. But it makes my brain hurt to see ...
by IronHorse1928
Sat Nov 03, 2012 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

Wellesley, REIT and Small Cap Index (from R/O IRA) were eliminated. A portion of Small Cap was maintained in the 457 Plan to approximate TSM. Life Strategy Moderate Growth and Total Bond were added. Adjusted allocation is below. Target 60% stock funds and 40% bond funds Actual: 59%stock funds and 41...
by IronHorse1928
Mon Oct 29, 2012 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

retiredjg. Thank you for taking the time to look over our portfolio. I have some things to consider. LH posted that I should wait to make any changes. I am going to think about things and take another look at it in October. While I believe I can consolidate a bit, my allocation and diversification i...
by IronHorse1928
Sun Jul 15, 2012 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

Can you sell some of the Total Stock Market in taxable without taking a tax hit? (I'm trying to get all the international into taxable.) If not, don't worry about it. I wasn't planning to. One thing I have been considering is starting to take some 457 distributions and rolling them into the Roth. I...
by IronHorse1928
Sat Jul 14, 2012 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

Taxable: 22% of portfolio. Amount added varies. Minimum between 1K and 2K per yr. 401k: 10% of portfolio. Including company match: 18K to 20K per yr. 457: 27% of portfolio. 0 per yr. His tIRA: 18% of portfolio. 0 per yr. Her tIRA: 19% of portfolio. 0 per yr. His Roth IRA: 2% of portfolio. 5K per yr....
by IronHorse1928
Sat Jul 14, 2012 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

Ok, this is going to sound blunt, but it is just meant to get to the point....Do you want to nibble around the edges or would you like to fix whole thing once and for all? :D I understand you might want to keep W & W. That could probably be arranged. But it is perfectly senseless to keep the ba...
by IronHorse1928
Sat Jul 14, 2012 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

retiredjg thanks for your response. Yeah I know....I feel strogly about Wellesley & Wellington. Balanced and VLSMGF look good also. Potential 457 would look like this: 40% Equity Fund, 20% Intl Equity Fund, 25% Stable Income Fund & 15% Bond Fund. Potentially all REIT would move to TSM. Curre...
by IronHorse1928
Fri Jul 13, 2012 9:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

Books I have read to help guide my (our) formulation of our current portfolio: "Common Sense on Mutual Funds 10th Anniversary Edition” “The Bogleheads Guide to Investing” “All About Asset Allocation” (Second Edition) “The Bogleheads Guide to RetirementPlanning” As well as numerous posts on this...
by IronHorse1928
Fri Jul 13, 2012 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

Thanks for the replies. Also thanks for the patience. I guess I am looking at optimizing diversification if possible. Perhaps I am already in a good position. Below will give you an idea of where we currently are currently positioned: 60% stock funds and 40% bond funds (approx.) Stock Funds Total St...
by IronHorse1928
Fri Jul 13, 2012 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Considering moving Sm Cap Indx & REIT Indx for TSM & 500

Why would you want to hold both total stock market and 500 index (which is part of total stock market)? That would overweight large caps. It appears you want to get rid of your mid and small caps and overweight large caps. This plan is not making much sense to me. Perhaps you could show us the layo...
by IronHorse1928
Fri Jul 13, 2012 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Considering moving Sm Cap Indx & REIT Indx for TSM & 500

Thoughts on this? I have not initiated any adjustment to our portfolio. I am currently reading "Common Sense on Mutual Funds 10th Anniversary Edition. We currently are approximately 60% Equity Funds and 40% bond funds. Small Cap Index is approximately 5% of portfolio (8% of equity), REIT Index ...
by IronHorse1928
Thu Jul 12, 2012 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Considering moving Sm Cap Indx & REIT Indx for TSM & 500
Replies: 35
Views: 3023

Re: Paydown Mortgage or invest in taxable account?

Thanks for the replies. This was a conversation I had with a family member. My gut has always told me to keep paying extra into the mortgage as well as continuing to invest in the Roths and anything else we can add to a taxable account. My attitude is to continue along my path and eventually the mor...
by IronHorse1928
Sat Mar 31, 2012 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paydown Mortgage or invest in taxable account?
Replies: 6
Views: 704

Paydown Mortgage or invest in taxable account?

We refinanced our mortgage September 2011 to a 15 year, 3.625% with a current balance of 135K. We currently pay an extra $380 per month towards principal. My wife and I have no debt other than this mortgage and we contribute the highest percentage her job allows to her 401K (not maxed out). We also ...
by IronHorse1928
Sat Mar 31, 2012 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Paydown Mortgage or invest in taxable account?
Replies: 6
Views: 704

Re: Wellington vs. Total Stk./Total Bond Idx. mix ?

I don't see a problem with Wellesley or Wellington in a portfolio. I would think they help diversify a portfolio that also includes TSM Index, TBM Index and International Stock Index. I know that past performance is not indicative of future performance, but both funds have a very solid track record....
by IronHorse1928
Sat Jan 14, 2012 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellington vs. Total Stk./Total Bond Idx. mix ?
Replies: 27
Views: 3361

Re: REGISTRATION FOR 2012 BOGLEHEAD CONTEST

1461 is my prediction.
by IronHorse1928
Sat Jan 07, 2012 11:17 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2012 BOGLEHEAD CONTEST
Replies: 408
Views: 12130

1461
by IronHorse1928
Sat Jan 01, 2011 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 28134

[quote="vesalius"][quote="IronHorse1928"]FYI on the 457 Deferred Comp Plan: Stable Income: Managers - ICMA, Fid Cap MGT, BlackRock, PIMCO, Wellington Mgt Co. What is the yield on this fund? The yield for the Stable Income Fund from April 1, 2010 to June 30, 2010 was 4.38%. The yi...
by IronHorse1928
Fri Oct 01, 2010 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: On the right path?
Replies: 19
Views: 3378

FYI on the 457 Deferred Comp Plan: Stable Income: Managers - ICMA, Fid Cap MGT, BlackRock, PIMCO, Wellington Mgt Co. What is the yield on this fund? TBD - new quarter starts tomorrow Bond Fund: Managers- PIMCO & Blackrock Is this a Long or intermediate Term bond fund? The fund will maintain an ...
by IronHorse1928
Thu Sep 30, 2010 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: On the right path?
Replies: 19
Views: 3378

If I move my 457 Plan to (rollover) to my TIRA, I loose the option to draw the funds if needed without penalty. Once I left NYC service, I was eligible to draw on the 457. Any 457 distribution would be treated as income. If I roll it to TIRA, it is locked up until 59 1/2. While I have no intention o...
by IronHorse1928
Thu Sep 30, 2010 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: On the right path?
Replies: 19
Views: 3378

FYI on the 457 Deferred Comp Plan: Stable Income: Managers - ICMA, Fid Cap MGT, BlackRock, PIMCO, Wellington Mgt Co. Bond Fund: Managers- PIMCO & Blackrock Equity Index Fund: Managers- Bank of NY Mellon Mid Cap Equity: Managers- State St. Global Advisors (Index), Earnest Partners (Value) Welling...
by IronHorse1928
Thu Sep 30, 2010 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: On the right path?
Replies: 19
Views: 3378

Re: Need additional information

Hi IronHorse: I have been watching this thread and I am beginning to understand your portfolio. However, we need to know exactly which account contains which funds . Please list your current portfolio this way (I tried to complete the taxable account): My current portfolio is the first post. I am i...
by IronHorse1928
Thu Sep 30, 2010 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: On the right path?
Replies: 19
Views: 3378

On the right path?

Fidelity 401K options Credit Suisse Trust U.S. Equity Flex I (WTSGX) ER 1.85% Vanguard LifeStrategy Mod Growth (VSMGX) ER 0.23% Vanguard LifeStrategy Consv Growth (VSCGX) ER 0.24% Several T. Rowe Price Retirement Funds @ ER’s of 0.47% Credit Suisse High Income Common CL (CSHIX) ER 1.38% Alliance Gro...
by IronHorse1928
Wed Sep 29, 2010 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: On the right path?
Replies: 19
Views: 3378

457 Plan NYC Deferred Compensation Plan Options (no ticker symbols) Stable Income Fund ER 0.26% Bond Fund ER 0.27% Equity Index Fund 0.06% Socially Responsible Fund ER 0.47% Mid Cap Equity fund ER 0.52% International Equity Fund 0.40% Small Cap Equity Fund 0.42% The rest of the options are Target Fu...
by IronHorse1928
Wed Sep 29, 2010 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: On the right path?
Replies: 19
Views: 3378

On the right path?

Edit with total portfolio percentages. Proposed Portfolio Taking all of our investments into consideration, this is what I have come up with so far. I have not implemented any transactions yet. We are going to rollover the Putnam 401K to a Vanguard Traditional IRA. We kept the 457Plan, Fidelity 401K...
by IronHorse1928
Wed Sep 29, 2010 9:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: On the right path?
Replies: 19
Views: 3378
Next

Return to advanced search