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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: 1791

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: 2946

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: 1791

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: 35
Views: 3066

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: 1113

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: 68
Views: 3789

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: 2124

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: 1386

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: 3882

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: 760

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: 1294

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: 8024

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: 8024

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: 8024

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: 15548

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: 97538

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: 1144

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: 1144

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: 3820

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: 2538

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: 4953

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: 3359

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: 3296

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: 2489

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: 3289

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: 1093

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: 4754

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: 1904

Re: Any experience with Vanguard Life Strategy?

Welcome to forum,
Lifestrategy funds are great, but your 401 choices are also important.What is in your 401?

One goal one portfolio
http://www.kevinoninvesting.com/2012/04 ... o.html?m=1
In which mutual funds should I invest in my new IRA?”


John
by Johm221122
Sat Jun 28, 2014 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Any experience with Vanguard Life Strategy?
Replies: 25
Views: 2397

Re: What Next?

Do you have an IPS http://www.bogleheads.org/wiki/Investment_policy_statement One goal one portfolio http://www.kevinoninvesting.com/2012/04/one-goal-one-portfolio.html?m=1 you should select the best funds in the account with the worst choices (typically your 401k or 403b), then flesh out your AA wi...
by Johm221122
Fri Jun 27, 2014 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Next?
Replies: 6
Views: 612

Re: SWR for 14 years

I would look at period certain annuity

John
by Johm221122
Thu Jun 26, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: SWR for 14 years
Replies: 17
Views: 1402

Re: Suggested addition to "Asking Portfolio Questions"

The current pay out rate is definitely needed, the exspence ratio not so much.Seems like good idea
John
by Johm221122
Thu Jun 26, 2014 8:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestion for updating "Asking Portfolio Questions" thread
Replies: 83
Views: 7018

Re: Investment allocation help

What is stable value paying? I use stable value and s&p500 index in my 401 and use extended market index and international in ira.You probably can only fit international in ira.My plan has a little higher ER's than yours

John
by Johm221122
Wed Jun 25, 2014 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment allocation help
Replies: 10
Views: 780

Re: Help with AA for ROTH IRA, 529, 401K with Vanguard

Lifestrategy fund or target retirement fund sound great. What/when is 529 for? Why so much Roth? Traditional vs Roth http://www.bogleheads.org/wiki/Traditional_versus_Roth John 529 for kids So much Roth - decided with my accountant to max out Roth for future higher taxes Depending on how long befor...
by Johm221122
Wed Jun 25, 2014 5:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA for ROTH IRA, 529, 401K with Vanguard
Replies: 3
Views: 300

Re: Help with AA for ROTH IRA, 529, 401K with Vanguard

Lifestrategy fund or target retirement fund sound great.
What/when is 529 for?
Why so much Roth?
Traditional vs Roth
http://www.bogleheads.org/wiki/Traditional_versus_Roth
John
by Johm221122
Wed Jun 25, 2014 2:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with AA for ROTH IRA, 529, 401K with Vanguard
Replies: 3
Views: 300

Re: I want to invest $200/month. What is the best funds to u

Getting started http://www.bogleheads.org/wiki/Getting_started Bogleheads® emphasize regular saving, broad diversification, and sticking to one's investment plan regardless of market conditions. The Bogleheads® principles are: Live Below Your Means Asset Allocation (Holding Bonds) Is Essential Buy L...
by Johm221122
Wed Jun 25, 2014 1:35 am
 
Forum: Investing - Help with Personal Investments
Topic: I want to invest $200/month. What is the best funds to use?
Replies: 21
Views: 2605
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