Search found 4563 matches

Return to advanced search

Re: RETIREMENT ALLOCATIONS

According to some money managers, a 60/40 allocation has an expected future return of 6% with a standard deviation of 15. of course nobody really knows but it's an educated guess and better than none. With NO inflation adjustment on the 80k, which is probably unrealistic, you have a 40% probability...
by Johm221122
Tue Jul 29, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Allocations
Replies: 14
Views: 811

Re: T-401k vs Roth 401k Company Match

Yes, same match But in making your choice read this http://www.bogleheads.org/wiki/Traditional_versus_Roth John Thanks for the quick response. So hypothetically every $2 I place in my T-401k, my employer puts $1 in my T-401k account. But for every $2 I place in my roth-401k, does my employer put $1...
by Johm221122
Tue Jul 29, 2014 3:45 am
 
Forum: Investing - Help with Personal Investments
Topic: T-401k vs Roth 401k Company Match
Replies: 6
Views: 221

Re: T-401k vs Roth 401k Company Match

Yes, same match
But in making your choice read this
http://www.bogleheads.org/wiki/Traditional_versus_Roth
John
by Johm221122
Tue Jul 29, 2014 3:19 am
 
Forum: Investing - Help with Personal Investments
Topic: T-401k vs Roth 401k Company Match
Replies: 6
Views: 221

Re: "best" online booking service for hotel room?

I don't know if this is an urban legend, so caveat emptor, but I've heard it many times. Supposedly hotels overbook because they assume a certain number of cancellations. The people who reserved indirectly though hotels.com or etc are on the bottom of the totem pole, because they are seen as not lo...
by Johm221122
Tue Jul 29, 2014 1:11 am
 
Forum: Personal Consumer Issues
Topic: "best" online booking service for hotel room?
Replies: 25
Views: 1798

Re: parking money

CDARS
http://www.cdars.com/


CDARS® – the Certificate of Deposit Account Registry Service® – is the most convenient way to access FDIC insurance on multi-million-dollar CD deposits and to earn CD-level rates, which often compare favorably to Treasuries and money market mutual funds.



John
by Johm221122
Mon Jul 28, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: parking money
Replies: 7
Views: 1198

Re: "best" online booking service for hotel room?

rustymutt wrote:I like to call the hotel direct after looking at online prices. They most times match, or beat those room prices pre purchased through outlets.

Some chains even guarantee lowest price

John
by Johm221122
Mon Jul 28, 2014 8:52 am
 
Forum: Personal Consumer Issues
Topic: "best" online booking service for hotel room?
Replies: 25
Views: 1798

Re: Is tax deferment overvalued?

For someone with lower income than most you see here it is a big advantage.Instead of paying 15% to 25% percent off the top and some yearly tax drag, I hope to pay 0% on a big chunk of my 401 and 10 % on another chunk.Plus it makes it possible to get tax credits that I would not be eligible for othe...
by Johm221122
Sun Jul 27, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Is tax deferment overvalued?
Replies: 20
Views: 2335

Re: Equity allocation question

Have you considered
http://www.bogleheads.org/wiki/Extended ... index_fund
It is the completion index for s&p 500

Why so little international?

John
by Johm221122
Sat Jul 26, 2014 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Equity allocation question
Replies: 4
Views: 293

Re: Which tax advantage accounts do I use for 3-funds?

I'm planning to start a solo 401k plan (im self employed). I already have a Roth IRA. If I'm investing in the traditional boglehead 3-fund portfolio. Am I better off putting some investments in the Roth and others in solo 401k? Can anyone offer advice please? Thanks. Simple answer is that since ear...
by Johm221122
Fri Jul 25, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 30
Views: 1955

Re: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000

livesoft wrote:What is the DJIA at right now? You didn't say directly and I am too lazy to look.

17,073


John
by Johm221122
Wed Jul 23, 2014 10:01 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000?
Replies: 33
Views: 3083

Re: Which tax advantage accounts do I use for 3-funds?

I'm planning to start a solo 401k plan (im self employed). I already have a Roth IRA. If I'm investing in the traditional boglehead 3-fund portfolio. Am I better off putting some investments in the Roth and others in solo 401k? Can anyone offer advice please? Thanks. Simple answer is that since ear...
by Johm221122
Wed Jul 23, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 30
Views: 1955

Re: Riding the Rails--my Amtrak trip

Thanks for sharing, I rode from Memphis to New Orleans (2) and from Virginia (car train)To Orlando (4 times as kid).I truly have many good memories of Amtrak :beer
John
by Johm221122
Wed Jul 23, 2014 8:59 am
 
Forum: Personal Consumer Issues
Topic: Riding the Rails--my Amtrak trip
Replies: 46
Views: 4450

Re: Bond funds- your percentage of intermediate vs. short-te

My percentage is almost all short.Between stable value (best 401 choice) and old savings bonds makes me about 90% short.If I had choice for my fixed income, I would choose a percentage of short term/cd's that helped me sleep at night.Your fixed income is for safety and to rebalance when necessary
John
by Johm221122
Tue Jul 22, 2014 4:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds- your percentage of intermediate vs. short-term?
Replies: 12
Views: 1129

Re: Hw many credit cards to own?

2 rewards
Walmart(use 3 or 4 times a year)
Old card with highest limit(use every other month with small purchase)
John
by Johm221122
Mon Jul 21, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 69
Views: 4123

Re: Stable Value Fund vs Total Bond Market

sunnyday wrote:What do you prefer and why?

It would depend on exspence ratio of bond index and what rate the stable value yields
John
by Johm221122
Mon Jul 21, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Stable Value Fund vs Total Bond Market
Replies: 27
Views: 2146

Re: What Do You Tilt to Outside of the Three Fund (at least

Extended market index
International explorer
Savings bonds
Stable value
John
by Johm221122
Fri Jul 18, 2014 10:49 am
 
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1388

Re: why it pays to make purchases with a credit card

My niece came from out of town and her car had problems.She only had about half the amount ($200) to fix, I told her to give me the cash and I'll pay for it on my card.We went back the next morning to pick up car and the storm we had that night knocked out phone/internet at there shop, so we could n...
by Johm221122
Fri Jul 18, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: why it pays to make purchases with a credit card
Replies: 15
Views: 3903

Re: New inheritance added to portfolio- grateful for advice

It is easier to answer if use fund names instead of ticker symbols
John
by Johm221122
Wed Jul 16, 2014 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: New inheritance added to portfolio- grateful for advice
Replies: 3
Views: 761

Re: Allocation in Retirement

You don't mention your age? Could a SPIA be an option for part of portfolio?
http://www.obliviousinvestor.com/single ... e-annuity/
John
by Johm221122
Tue Jul 15, 2014 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Allocation in Retirement
Replies: 7
Views: 1300

Re: POLL: Walmart vs Amazon

Interesting side discussion - Clark Howard recently posted Walmart.com (online shopping) is underpricing their stores by up to 35%. Same item. You could buy online at the cheaper price, have shipped (free over $50) and never enter the store. http://www.clarkhoward.com/news/clark-howard/shopping-ret...
by Johm221122
Sat Jul 12, 2014 8:49 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8054

Re: POLL: Walmart vs Amazon

Northster wrote:I boycott Walmart. Amazon may have its problems but I don't think they treat their employees as bad as Walmart.

Not everyone has the ability to have good solid carreers (lack of education or past problems).Iknow people who support families on these incomes and glad to have a job
John
by Johm221122
Sat Jul 12, 2014 12:25 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8054

Re: POLL: Walmart vs Amazon

I like walmart for every day items, Amazon for more non every day items like sneakers
John
by Johm221122
Sat Jul 12, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8054

Re: List of Worst financial advice (what not to do):

cannondale wrote:Why is buying gold a bad piece of advice?

It seems it's often recommended when it's close to all time high
John
by Johm221122
Sat Jul 12, 2014 1:36 am
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 16025

Re: Suggestions for the Wiki

This article/information(bob's not my name)should be included in WIKI article emergency fund
http://thefinancebuff.com/your-traditio ... -fund.html

John
by Johm221122
Thu Jul 10, 2014 9:03 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 263
Views: 97713

Re: cashing in a savings bond

Save the I bond for your emergency fund, use your emergency fund(10k) for college

John
by Johm221122
Wed Jul 09, 2014 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: cashing in a savings bond
Replies: 11
Views: 1148

Re: cashing in a savings bond

It has great rate are you sure you want to cash it
http://www.treasurydirect.gov/BC/SBCPrice

John
by Johm221122
Wed Jul 09, 2014 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: cashing in a savings bond
Replies: 11
Views: 1148

Re: How many veteran investor have LARGE MAJORITY in three-f

LongerPrimer wrote:I was approximately in 3 fund approach until 2008-'09 and then I had to radically change inorder to recover. Too close to retirement to ever DCA out of hole.

Curious, how did you change?

John
by Johm221122
Wed Jul 09, 2014 6:09 am
 
Forum: Investing - Theory, News & General
Topic: How many veteran investor have LARGE MAJORITY in three-fund?
Replies: 56
Views: 3838

Re: Longevity Annuities

Lots of press recently on Longevity Annuities....drawing on payments starting around 80? Seems like a crap shoot of a gamble with odds going to the insurance companies...what do the bogleheads think? Lucky3 Waiting to 70 for SS is a crap shoot, many plan on it.I'm more worried financially on living...
by Johm221122
Tue Jul 08, 2014 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Longevity Annuities
Replies: 18
Views: 2560

Re: POLL: Are You Re-Balancing?

No, I rebalanced last quarter, my plan says stay the course.New contributions are going to fixed income, I'm one percent off
John
by Johm221122
Tue Jul 08, 2014 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 4963

Re: When you retire you plan to?

Move to las Vegas :beer

John
by Johm221122
Mon Jul 07, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: When you retire you plan to?
Replies: 44
Views: 3377

Re: Roth and Traditional IRA

Thanks for the info. I'll take a look at it. I am currently covered by a defined benefit plan at my full time job. At my part time job I receive a "bonus" that is meant to be put in my ROTH IRA, my boss feels its too small of a business (3 employees) for it to be cost effective to offer a...
by Johm221122
Mon Jul 07, 2014 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Roth and Traditional IRA
Replies: 14
Views: 897

Re: Roth and Traditional IRA

Ralf, as far as stocks over bonds, if you tax adjust you will end up with the same amount and if you don't stocks in Roth make your portfolio more risky

As far as taxes and withdraaws,read this by bob's not my name(from above)
http://thefinancebuff.com/stocks-or-bonds-in-roth.html


John
by Johm221122
Sun Jul 06, 2014 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Roth and Traditional IRA
Replies: 14
Views: 897

Re: Roth and Traditional IRA

Many people use traditional 401 and Roth ira, which results in tax diversification.

As far as what investment to purchase in traditional vs Roth it doesn't matter

http://www.bogleheads.org/wiki/Tax-adju ... allocation

John
by Johm221122
Sun Jul 06, 2014 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: Roth and Traditional IRA
Replies: 14
Views: 897

Re: "Only a fraction of Americans directly own stocks"

I'm in an investment club that is for people who want to learn about the stock market, etc. I've tried to get friends who I know make 40K or less to join because I know they need to learn about investing and planning for the future. I always get the same response which fall into two categories a) I...
by Johm221122
Sat Jul 05, 2014 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: "Only a fraction of Americans directly own stocks"
Replies: 27
Views: 3315

Re: Traditional or Roth IRA

I liked the link(bob's not my name)
http://thefinancebuff.com/your-traditio ... -fund.html

The information would be great for WIKI

John

It should be here
http://www.bogleheads.org/wiki/Emergency_fund

Just after "Roth ira as emergency fund"
by Johm221122
Sat Jul 05, 2014 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional or Roth IRA
Replies: 36
Views: 2501

Re: I Hit My Number Today!

Congratulations :sharebeer
John
by Johm221122
Thu Jul 03, 2014 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: I Hit My Number Today!
Replies: 31
Views: 3292

Re: Blackrock Diversified Income Portfolio?

You don't mention your age(I read your past post on husband possible retirement ), if your around 70's or older, have you thought about SPIA's?
http://www.bogleheads.org/wiki/Vanguard ... ram_-_SPIA

John
by Johm221122
Thu Jul 03, 2014 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Blackrock Diversified Income Portfolio?
Replies: 12
Views: 1107

Re: Investing in Taxable Concurrently with Retirement

kaudrey wrote:Yes, we invest in taxable. We are planning to retire at 57, so we need funds available before we can access our 401(k)s and IRA.

You do know there are ways around penalty

John
by Johm221122
Thu Jul 03, 2014 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Taxable Concurrently with Retirement
Replies: 13
Views: 699

Re: Amazon.com Rewards Visa card from Chase

I can't answer your questions but I took similar offer and use this as my main card.No problems 3% back restraunts and amazon,2% everything else.I also got email saying 3% gas but I use public transportation so I'm not sure John Its 1% everything else and 2% restaurants. You had me excited for a se...
by Johm221122
Thu Jul 03, 2014 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Amazon.com Rewards Visa card from Chase
Replies: 35
Views: 4774

Re: 2nd Opinion on Portfolio - Please

Welcome to forum, I'll bump you up, so you can get some replies Why so much cash in emergency fund? I don't like all the mixing of balanced funds, try 3 fund portfolio http://www.bogleheads.org/wiki/Three-fund_portfolio I'd consider cd's in retirement accounts and stocks in taxable(for 270k) http://...
by Johm221122
Wed Jul 02, 2014 8:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 2nd Opinion on Portfolio - Please
Replies: 7
Views: 891

Re: How to contribute to RothIRA/IRA w/ No YTD income?

If you have no income you can't contribute to ira .If before end of year you will have income you can contribute, before end of year .Do you have spouse who has income?

John
Edit here is similar post
viewtopic.php?p=595988
by Johm221122
Tue Jul 01, 2014 2:05 am
 
Forum: Investing - Help with Personal Investments
Topic: How to contribute to RothIRA/IRA w/ No YTD income?
Replies: 10
Views: 975

Re: Help for my sister

Has she ever been married?I'd spend my money and delay SS if not(unless medical problems)

John
by Johm221122
Sat Jun 28, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help for my sister
Replies: 21
Views: 1910
Next

Return to advanced search