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Re: should participate in employer matches?

This may be a crazy question but if my employer matches up to 3%, and the investment options are just horrible, should I even put many own money in it? Work out the math. Suppose that you could earn 8% per year in an IRA, and 5% per year with the same risk level in your employer plan because the ex...
by Johm221122
Wed Oct 01, 2014 6:56 am
 
Forum: Investing - Help with Personal Investments
Topic: should participate in employer matches?
Replies: 17
Views: 1036

Re: Is my husband a spendthrift? Or I a tightwad?

Your spending and budjet are your choices, but you have to live with them choices I make around 40 k a year and save 25% at least.If your not happy with your savings rate, do some serious soul searching.Your choices seem to be making you unhappy and it's up to you to change it

Good luck

John
by Johm221122
Wed Oct 01, 2014 6:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Is my husband a spendthrift? Or I a tightwad?
Replies: 57
Views: 3778

Re: Bogleheads, help me be less afraid of international stoc

Were did you get this information? Is it available to everyone? Could this be priced in? Do US companies invest in these countries?

John
by Johm221122
Tue Sep 30, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads, help me be less afraid of international stocks
Replies: 37
Views: 1796

Re: should participate in employer matches?

Here is rule of thumb for bad 401 http://www.bogleheads.org/forum/viewtopic.php?t=67345 Grabiner wrote 30% is my rule of thumb for using taxable accounts instead, but is it really likely that you will lose that much? That is, how confident are you that you and your wife will stay with the same emplo...
by Johm221122
Tue Sep 30, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: should participate in employer matches?
Replies: 17
Views: 1036

Re: Starting Roth IRA soon, advice?

I do have a work plan, currently I have 6% going into roth 401k into a target date fund as well. Are you sure you want a Roth 401K? Do you expect a pension? Do you expect your marginal rate to increase significantly in the future? Do you plan to retire early and have several years without pension o...
by Johm221122
Tue Sep 30, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting Roth IRA soon, advice?
Replies: 11
Views: 720

Re: What is your rebalancing policy?

Once a quarter if I feel it's worth effort,usually new contributions are enough


John
by Johm221122
Mon Sep 29, 2014 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is your rebalancing policy?
Replies: 63
Views: 5876

Re: quick roth ira question?

Are you sure you want Roth http://www.bogleheads.org/wiki/Traditional_versus_Roth John I did not do a traditional ira John because my company offers a 401K. They match the first 6% plus they throw in an automatic 3% annual for anyone who participates. I actually contribute the full 22K limit (I get...
by Johm221122
Mon Sep 29, 2014 2:37 pm
 
Forum: Investing - Theory, News & General
Topic: quick roth ira question?
Replies: 9
Views: 595

Re: Need advice on investment with loaned money

Welcome to forum,
Very investing first post.Take money and run
:moneybag :moneybag :moneybag


John
by Johm221122
Mon Sep 29, 2014 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on investment with loaned money
Replies: 11
Views: 750

Re: Which bond fund for taxable account in high tax bracket?

I bonds and EE bonds(if they fit your plans)

John
by Johm221122
Mon Sep 29, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Which bond fund for taxable account in high tax bracket?
Replies: 6
Views: 832

Re: Starting Roth IRA soon, advice?

Do you have a work place plan (401)?

Are you sure you want Roth


http://www.bogleheads.org/wiki/Traditional_versus_Roth
John
by Johm221122
Mon Sep 29, 2014 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting Roth IRA soon, advice?
Replies: 11
Views: 720

Re: Short term investing for down payment

Cd's or high yield savings Checkout Bankrate.com

John
by Johm221122
Mon Sep 29, 2014 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Short term investing for down payment
Replies: 13
Views: 853

Re: Low risk investment for business profits

Cd's or high yield savings

Checkout
Bankrate.com


John
by Johm221122
Mon Sep 29, 2014 9:29 am
 
Forum: Investing - Theory, News & General
Topic: Low risk investment for business profits
Replies: 1
Views: 215

favorite brand name products

What specific favorite brand name productsucts do you absolutely use with never considering change ?


I always use Gillette razors because they seem to be longest lasting and most dependable
John
by Johm221122
Sun Sep 28, 2014 8:49 am
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 2677

Re: EmergDoc has Surpassed 10,000 posts!

Congratulations :sharebeer
Especially liked the debating (about)150 portfolios better than yours

John
by Johm221122
Sun Sep 28, 2014 8:45 am
 
Forum: Local Chapters and Bogleheads Community
Topic: EmergDoc has Surpassed 10,000 posts!
Replies: 32
Views: 2861

Re: What is your best estimate of the SWR (Safe Withdrawal R

gkaplan wrote:It depends, doesn't it?

It depends and you will need to adapt if necessary

John
by Johm221122
Fri Sep 26, 2014 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: What is your best estimate of the SWR (Safe Withdrawal Rate)
Replies: 77
Views: 3764

Re: Pimco Total Return - Keep or Sell

Is this in a taxable account? If so, what are the consequences of your sale? How much in taxes would you have to pay? This is in my 401(k), so no tax implications. It does represent about 20% of my retirement assets, which is why I'm a little jumpy about it. For the record, I'm a huge fan of Gross,...
by Johm221122
Fri Sep 26, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco Total Return - Keep or Sell
Replies: 28
Views: 2229

Re: [which] toilet paper [from walmart.com?]

Can't believe that I am reading about toilet paper on this site. Have no idea which product my wife has been buying for many years and really don't care. I try to ignore this thread but inexplicably keep getting drawn back to read it. Where is Alex or Lady Geek when we need them for cultural sensib...
by Johm221122
Fri Sep 26, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: [which] toilet paper [from walmart.com?]
Replies: 34
Views: 2447

Re: [which] toilet paper [from walmart.com?]

Two months no Scott at Walmart com (except bulk)Now it reappears, contract dispute maybe jlawrence01 Walgreens is very close and use to use it before ordering online Rooms22 Everything from Scott disappeared for awhile, just can't explain it Nisiprius Wasn't so much about price as much as like your ...
by Johm221122
Fri Sep 26, 2014 7:36 pm
 
Forum: Personal Consumer Issues
Topic: [which] toilet paper [from walmart.com?]
Replies: 34
Views: 2447

Re: Which is the better investment value today?

One year, five years or twenty years?


John
by Johm221122
Fri Sep 26, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: Which is the better investment value today?
Replies: 4
Views: 499

Re: What's Your Takeaway from 2014 High Valuation

I know nothing, but I hope to live 50 more years, so it's all probably just noise.Just going to follow my plan, keep savings more and cross my fingers
John
by Johm221122
Fri Sep 26, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: What's Your Takeaway from 2014 High Valuation
Replies: 52
Views: 4052

Re: Is Now a Good time to Buy Bonds ???

There are other options, stable value funds, cd's, high yield savings accounts, savings bonds,short term bond funds or individual bonds

John
by Johm221122
Thu Sep 25, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Now a Good time to Buy Bonds ???
Replies: 19
Views: 1814

[which] toilet paper [from walmart.com?]

Used Scott for years, but Walmart.com has stopped selling it except extreme bulk :oops: .What brand do you use and why,Walmart .com is very convient for me so at moment going to try another brand.

John
by Johm221122
Tue Sep 23, 2014 11:03 pm
 
Forum: Personal Consumer Issues
Topic: [which] toilet paper [from walmart.com?]
Replies: 34
Views: 2447

Re: How to build a Vanguard portfolio

I'd be interested in advisors portfolio, if you care to share

John
by Johm221122
Tue Sep 23, 2014 9:09 am
 
Forum: Investing - Help with Personal Investments
Topic: How to build a Vanguard portfolio
Replies: 10
Views: 968

Re: 2 Piece Retirement Portfolio

Just as a follow up for people. Since moving to a strategy managing my assets as 2 distinct portfolios instead of 1 I have been more relaxed and have more easily made the logical finincial decision. Having each portfolio have a defined purpose as been a big plus for me. That said everyone is differ...
by Johm221122
Sat Sep 20, 2014 8:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2 Piece Retirement Portfolio
Replies: 20
Views: 1624

Re: 401K ; moving into a no loss / no gain

I'm not sure what your asking but,
My 401 has no fees for trades
Gain/loss doesn't matter
30 day before I can transfer back in(but can buy with new contributions)


Welcome to forum
John
by Johm221122
Fri Sep 19, 2014 9:30 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K ; moving into a no loss / no gain
Replies: 5
Views: 428

Re: Roth IRA v. 401(k)

If you don't max Roth put emergency fund there
http://www.bogleheads.org/wiki/Roth_IRA ... gency_fund

John
by Johm221122
Fri Sep 19, 2014 9:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA v. 401(k)
Replies: 7
Views: 729

Re: Help: Inlaw's extra cash

I would just keep in FDIC accounts(cd or high yield savings account ) , to find best rates try Bankrate.com

John
by Johm221122
Thu Sep 18, 2014 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: Inlaw's extra cash
Replies: 8
Views: 542

Re: What's in your tax advantage accounts?

I don't make any distinction between pre-tax (401k) and post-tax (Roth) accounts, as I'm not that sophisticated. I am not sophisticated enough either. But are there some funds better to be placed in the Roth and some better in 401k? would you (or someone) be able to share some examples of this dist...
by Johm221122
Thu Sep 18, 2014 8:53 am
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 54
Views: 3931

Re: Roth help

Welcome to forum Paying load is not needed http://www.bogleheads.org/blog/bogleheads-principles-keep-costs-low/ You can avoid sales commissions by avoiding broker sold load funds.  You can invest in a no-load mutual fund  directly from a no-load  investment management company. Are you sure Roth is r...
by Johm221122
Wed Sep 17, 2014 8:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth help
Replies: 14
Views: 569

Re: Sanity check - restructure my taxable account?

With less than 2 years cash or cash like investments are the only options I would use.Cd's, savings Accounts and such A high yield savings account seems best .
John
by Johm221122
Wed Sep 17, 2014 5:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Sanity check - restructure my taxable account?
Replies: 1
Views: 290

Re: Where do I put my cash now?

OP says I am very well diversified across stocks and bonds including international investments. So it's unclear how much this unallocated cash is compared to his existing investments, but I'll guess maybe 10% to 20%? Regardless, it would have been good to continue contributions to your portfolio on...
by Johm221122
Wed Sep 17, 2014 5:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 23
Views: 2542

Re: Where do I put my cash now?

Bogleheads philosophy http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy In summary, a Bogleheads investor tends to (1) save a lot, (2) select an asset allocation containing both stock and bond asset classes, (3) buy low cost, widely diversified funds, (4) allocate funds tax-effic...
by Johm221122
Wed Sep 17, 2014 12:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Where do I put my cash now?
Replies: 23
Views: 2542

Re: Any success stories of ppl who never made >$50,000?

Made 25k to40k a year last 15 years and at 300k.Saved close to 30% of income plus fair company match.Have 15 years to go and would feel lucky to be at a millon.

John
by Johm221122
Tue Sep 16, 2014 11:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any success stories of ppl who never made >$50,000?
Replies: 149
Views: 10012

Re: The Three Fund Portfolio

I may have missed this in the 18 pages of this great thread, but where do t-bills fit into the 3-fund portfolio? Is it covered in TBM treasuries? I remember reading over and over in Bogle on Mutual Funds that they are an essential asset class. Have you seen the WIKI http://www.bogleheads.org/wiki/T...
by Johm221122
Tue Sep 16, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 898
Views: 355158

Re: The Three Fund Portfolio

I may have missed this in the 18 pages of this great thread, but where do t-bills fit into the 3-fund portfolio? Is it covered in TBM treasuries? I remember reading over and over in Bogle on Mutual Funds that they are an essential asset class. Have you seen the WIKI http://www.bogleheads.org/wiki/T...
by Johm221122
Tue Sep 16, 2014 1:03 am
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 898
Views: 355158

Re: Dave Ramsey: The Legacy Journey

There is no need for Dave, you have Bogleheads
http://www.bogleheads.org/wiki/Getting_started

John
by Johm221122
Mon Sep 15, 2014 10:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey: The Legacy Journey
Replies: 41
Views: 5319

Re: Long term care insurance

Try search feature(top right)
Lots of posts
John
by Johm221122
Mon Sep 15, 2014 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance
Replies: 2
Views: 348

Re: What's in your tax advantage accounts?

This may help OP
One portfolio one goal
http://www.kevinoninvesting.com/2012/04 ... o.html?m=1

Pick best funds in work place plan
Pick tax efficient funds for taxable
Pick funds in ira
John
by Johm221122
Mon Sep 15, 2014 11:54 am
 
Forum: Investing - Theory, News & General
Topic: What's in your tax advantage accounts?
Replies: 54
Views: 3931

Re: how to use I-Bonds as an Emergency Fund?

About 15 years ago I considered savings bonds as emergency fund.As time went by I consider my whole portfolio my emergency fund fund.I just learned this recently

http://thefinancebuff.com/your-traditio ... -fund.html

John
by Johm221122
Mon Sep 15, 2014 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: how to use I-Bonds as an Emergency Fund?
Replies: 9
Views: 1203

Re: Two Fund real Lazy Portfolio?

"150 portfolios better than yours"
viewtopic.php?f=10&t=131471

John
by Johm221122
Fri Sep 12, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Two Fund real Lazy Portfolio?
Replies: 36
Views: 4556

Re: How well do you understand retirement finance?

Single and SS at 70 :moneybag unless health problems :!:
But know every thing, no way
John
by Johm221122
Thu Sep 11, 2014 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How well do you understand SS and tax-deferral issues?
Replies: 16
Views: 858

Re: investment plan help

meaning, if 2 years I am planning on buying a house, and will be putting away money into a money market account and CDs (when NFCU has good rates like the current 5%) is it recommended to only do those safe things? or would it be acceptable to put some of the money I want to use towards a down paym...
by Johm221122
Thu Sep 11, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: investment plan help
Replies: 13
Views: 642

Re: Vangaurd STAR

Thanks for the great advice Jim. I don't think I'll ever be making that much, but I'm prepared to live a modest lifestyle with a heavy emphasis on saving and investing. The best thing I can say about my finances right now is that I've completely paid off my student loan, have no credit card debt, a...
by Johm221122
Wed Sep 10, 2014 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vangaurd STAR
Replies: 31
Views: 1952

Re: Vangaurd STAR

CluelessInvestor wrote:
Johm221122 wrote:You can invest 5.5k in star in a Roth.A Roth is a wrapper that holds investments.
http://www.bogleheads.org/wiki/Roth_IRA

John


Excellent. Good to know.

Try getting started here:
http://www.bogleheads.org/wiki/Getting_started

John
by Johm221122
Wed Sep 10, 2014 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vangaurd STAR
Replies: 31
Views: 1952

Re: Vangaurd STAR

You can invest 5.5k in star in a Roth.A Roth is a wrapper that holds investments.
http://www.bogleheads.org/wiki/Roth_IRA

John
by Johm221122
Wed Sep 10, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vangaurd STAR
Replies: 31
Views: 1952

Re: Vangaurd STAR

If you invest the bare minimum of 1,000 dollars, what can you hopefully expect to get in return? About $5 per month? That hardly seems worth it. A kid could make that by opening up a lemonade stand. How can you make the most of this novice investment? Welcome to forum , You could always save more t...
by Johm221122
Wed Sep 10, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vangaurd STAR
Replies: 31
Views: 1952

Re: $15,000 to invest and generate income

Welcome to forum
What kind of income do you need?
A cd is great for 15 month time period, but will not generate much income

John
by Johm221122
Wed Sep 10, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: $15,000 to invest and generate income
Replies: 8
Views: 1298

Re: $1000 to Invest - Need Help!

Do you have work place retirement plan (401)?

John
by Johm221122
Wed Sep 10, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: $1000 to Invest - Need Help!
Replies: 17
Views: 1147
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