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Re: Vacuum Cleaner Suggestions Please

Bissell
http://www.bissell.com/

Great buy

John
by Johm221122
Fri Nov 28, 2014 6:39 am
 
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Suggestions Please
Replies: 8
Views: 691

Re: Reporter doing story on Roth IRAs

Hopefully reporter doesn't overstate Roth advantage over traditional

John
by Johm221122
Wed Nov 26, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Reporter doing story on Roth IRAs
Replies: 1
Views: 511

Re: Roth IRA for my fun money

Some consider Roth most valuable space

John
by Johm221122
Mon Nov 24, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for my fun money
Replies: 5
Views: 597

Re: Bogleheads, anyone doing "Black Friday"

I'm taking grandson to zoo :beer
John
by Johm221122
Mon Nov 24, 2014 5:21 am
 
Forum: Personal Consumer Issues
Topic: Bogleheads, any "Black Friday" [recommendations]
Replies: 59
Views: 4929

Re: Which bond fund for a three-fund taxable portfolio?

This WIKI link may help http://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account John From that article: "Depending on the interest rate, a typical money market fund yields anywhere from 2% to 5%" How long ago was it written? I think it needs updating. Makes me wonder...
by Johm221122
Thu Nov 20, 2014 5:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Which bond fund for a three-fund taxable portfolio?
Replies: 8
Views: 1576

Re: Help with Schwab 401k Investment Choices

nolax29 wrote:As a mix of three or four solid index funds but I may be wrong.

What are your 401 retirement funds? What are vanguard retirement funds?
John
by Johm221122
Wed Nov 19, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab 401k Investment Choices
Replies: 10
Views: 527

Re: Help with Schwab 401k Investment Choices

nolax29 wrote:I had not though about changing to target retirement funds that meet my desired AA. Seems like a very simple option and will be well diversified. Historically the returns are not as great though.

Historical returns of retirement fund not as great as?

John
by Johm221122
Wed Nov 19, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab 401k Investment Choices
Replies: 10
Views: 527

Re: Help with Schwab 401k Investment Choices

nolax29 wrote:I also have a Roth IRA with Vanguard in one fund the VTSAX

Have you considered changing your Roth to a target retirement fund and picking a similar one in 401.Pick a fund that meets your desired AA and not by year

John
by Johm221122
Wed Nov 19, 2014 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab 401k Investment Choices
Replies: 10
Views: 527

Re: IRA Contribution Question and Age

As long as I don't need money in current tax year i'd contribute

John
by Johm221122
Wed Nov 19, 2014 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA Contribution Question and Age
Replies: 18
Views: 1695

Re: I may not make my retirement goals! What to do?

It is easy to say just do it - much harder when you have to change your plan.. After the last 10-15 years we know what the market can do.You have to weight your need with ability and willingness to take risk.This is a question we need to take an educated guess because none of us know what future re...
by Johm221122
Wed Nov 19, 2014 8:15 am
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 3385

Re: Help with Schwab 401k Investment Choices

What other investments do you have, What AA do you want?
Asking portfolio question
viewtopic.php?t=6212

Welcome to forum
John
by Johm221122
Wed Nov 19, 2014 5:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Schwab 401k Investment Choices
Replies: 10
Views: 527

Re: VWINX (Wellesley Inc.)

Does it meet your desired asset allocation? If Wellesley is too risky for him, he can pair it with cash, and if it too safe, he can pair with the Vanguard Wellington fund. +1 investor Small cap, international, Reits :?: John About 15% of Wellesley's equity holdings consist of international stocks (...
by Johm221122
Wed Nov 19, 2014 4:36 am
 
Forum: Investing - Theory, News & General
Topic: VWINX (Wellesley Inc.)
Replies: 44
Views: 4966

Re: I may not make my retirement goals! What to do?

Forget about high valuations and pick asset allocation that meets your need, ability and willingness to take risk.

John
by Johm221122
Wed Nov 19, 2014 4:33 am
 
Forum: Investing - Help with Personal Investments
Topic: I may not make my retirement goals! What to do?
Replies: 49
Views: 3385

Re: VWINX (Wellesley Inc.)

investor wrote:
Beliavsky wrote:
Johm221122 wrote:Does it meet your desired asset allocation?

If Wellesley is too risky for him, he can pair it with cash, and if it too safe, he can pair with the Vanguard Wellington fund.


+1

investor

Small cap, international, Reits :?:

John
by Johm221122
Tue Nov 18, 2014 5:27 am
 
Forum: Investing - Theory, News & General
Topic: VWINX (Wellesley Inc.)
Replies: 44
Views: 4966

Re: VWINX (Wellesley Inc.)

Does it meet your desired asset allocation?

John
by Johm221122
Sun Nov 16, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: VWINX (Wellesley Inc.)
Replies: 44
Views: 4966

Re: shortest mortgage available

I want to thank everyone on this site for helping me learn to find answers.Because of personal family situation I was able to develop a plan of action .Perfect plan , probably not but workable and efficient

:sharebeer

John
by Johm221122
Fri Nov 07, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: shortest mortgage available
Replies: 16
Views: 1983

Re: What online banks do you like for savings or MMA?

I don't think I ever talked to anyone, never had a problem
(Capital one)
John
by Johm221122
Wed Oct 29, 2014 3:53 am
 
Forum: Personal Finance (Not Investing)
Topic: What online banks do you like for savings or MMA?
Replies: 44
Views: 3108

Re: shortest mortgage available

Again thanks to everyone, this is what makes this forum great.A financially related question comes up in your life and you can get almost instant education in an unknown area of personal finance.I'll pass information on and hopefully help someone in a stressful situation be a little less stressed I ...
by Johm221122
Wed Oct 29, 2014 3:25 am
 
Forum: Personal Finance (Not Investing)
Topic: shortest mortgage available
Replies: 16
Views: 1983

Re: shortest mortgage available

Thanks you for answers, I have hardly any information (just learned today)but will let family member know there options.Just wanted to get basic information so I can start to be if some help
John
by Johm221122
Tue Oct 28, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: shortest mortgage available
Replies: 16
Views: 1983

shortest mortgage available

Family member has a problem, Because of a more than likley death a wife(widow) has 3 years left on mortgage .Payments will be too high, is it possible to get a refinanced mortgage of less than 10 years I showed the son this site so he can post all information.Just wanted to know if this is possible ...
by Johm221122
Tue Oct 28, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: shortest mortgage available
Replies: 16
Views: 1983

Re: Tilted to SV by mistake, should I TLH out of it?

OP reading or rereading Bogleheads philosophy may help http://www.bogleheads.org/wiki/Bogleheads%C2%AE_investment_philosophy This is perhaps the most challenging part of Boglehead investing, but is essential to its success. Bogleheads adopt a reasonable investment plan and then stay the course. it i...
by Johm221122
Tue Oct 28, 2014 4:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Tilted to SV by mistake, should I TLH out of it?
Replies: 37
Views: 1718

Re: Should I buy more REITs?

Hello, I'm using my tax-deferred account for Vanguard's REIT fund (VNQ). At this time, I only have VNQ shares in the account and they make up 17% of my portfolio. My idea for buying VNQ was to get the best of both investing worlds, i.e. total return and income. Thanks http://en.m.wikipedia.org/wiki...
by Johm221122
Mon Oct 27, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5062

Re: Ham and Egger's Theory?

How long have they underperformed :?: :idea:

John
by Johm221122
Sat Oct 25, 2014 9:37 am
 
Forum: Investing - Theory, News & General
Topic: Ham and Egger's Theory? [Buy Whatever Cap Size is lagging) ]
Replies: 38
Views: 3211

Re: Anchoring vs. Buy-and-Hold

In my 401K account, I have 100K in Russell 2000 Index Fund and nothing in SP500 Index Fund. I'm thinking that I should transfer 50K from R2000 to SP500. Should I do it in one transaction, or transfer $2,000/month over the next three years, or use some other threshold? Thanks. You need a plan, http:...
by Johm221122
Wed Oct 22, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anchoring vs. Buy-and-Hold
Replies: 15
Views: 1463

Re: Anchoring vs. Buy-and-Hold

If QQQ is in your investment plan, yes keep it.But I think most would feel it's not a index we'd hold http://www.bogleheads.org/forum/viewtopic.php?f=10&t=102683 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=109649 Try 3 fund portfolio http://www.bogleheads.org/wiki/Three-fund_portfoli...
by Johm221122
Wed Oct 22, 2014 3:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Anchoring vs. Buy-and-Hold
Replies: 15
Views: 1463

Re: Good mid/small cap mutual funds?

Small /mid cap stocks are in total market index but I use Extended market index http://www.bogleheads.org/wiki/Extended_market_index_fund Total international index http://www.bogleheads.org/wiki/FAQ_on_Vanguard_international_funds You may get more help by using http://www.bogleheads.org/forum/viewto...
by Johm221122
Tue Oct 21, 2014 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good mid/small cap mutual funds?
Replies: 4
Views: 523

Re: Can a homemaker use a Roth & i401k?

Your wife can have spousal ira.Will your wife have earned income? Without earned income, you can't have 401


John
by Johm221122
Tue Oct 21, 2014 6:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Can a homemaker use a Roth & i401k?
Replies: 14
Views: 1016

Re: Risk in a high dividend stock portfolio

Here is the question I'd ask myself, why isn't everyone taking advantage of these great dividends?

John
by Johm221122
Tue Oct 21, 2014 6:22 am
 
Forum: Investing - Theory, News & General
Topic: Risk in a high dividend stock portfolio
Replies: 19
Views: 2544

Re: How does one hedge against deflation?

Mel Lindauer wrote: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
by Johm221122
Mon Oct 20, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: How does one hedge against deflation?
Replies: 52
Views: 4126

Re: Alternative Investments!

A SPIA if your around 70 :wink:

John
by Johm221122
Mon Oct 20, 2014 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Alternative Investments!
Replies: 6
Views: 712

Re: Is it possible to have a favorite movie

Indiana Jones(all of them)

John
by Johm221122
Fri Oct 17, 2014 7:43 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3293

Re: Does your ROTH hold risky or stable items?

Can anyone explain why their plan is to use Roth last? I'd think you'd use traditional last, because at end of life you're probably in the 0% bracket thanks to the deduction of massive assisted living costs. So at that point you can withdraw from TIRA as necessary, at 0% tax, to pay your huge assis...
by Johm221122
Thu Oct 16, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3519

Re: Need Suggestions for Vanguard Fund Investments

I will play the devil's advocate, arca. I do not like CD's, never have, never will. 10 years is a long time to be stuck with a fixed rate. Yes, bond funds will fluctuate in value but with an eventual uptick in rates during next 10 years will be able to pick up higher yielding bonds over time and in...
by Johm221122
Wed Oct 15, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Suggestions for Vanguard Fund Investments
Replies: 19
Views: 1684

Re: Need Suggestions for Vanguard Fund Investments

Have you considered I bonds http://www.bogleheads.org/wiki/I_savings_bonds Try getting started http://www.bogleheads.org/wiki/Getting_started Ok, I want to invest in a mutual fund comprising of investment grade mutual bonds. Thats why I mentioned it in my 1st post. The problem with bond mutual fund...
by Johm221122
Wed Oct 15, 2014 5:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Suggestions for Vanguard Fund Investments
Replies: 19
Views: 1684

Re: Should your AA change based on World Events?

Your AA should change on your personal circumstances or investment plan

John
by Johm221122
Tue Oct 14, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Should your AA change based on World Events?
Replies: 22
Views: 1458

Re: TIPS & Rick Ferri

hoops777 wrote:If one has 20000 a year to invest in tips or ibonds for a husband and wife which is the better choice?

Tips are not tax efficient
I bonds can't be bought in ira
20k is over ira contributions limit for couple
Unless I'm missing something :?: I bonds it is
John
by Johm221122
Tue Oct 14, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS & Rick Ferri
Replies: 28
Views: 5114

Re: the importance of asset allocation

riptide wrote:


Thank you for the link, it was helpful. I am stuggling to find my AA between 70 / 30 stock to bonds or 60/40 stocks to bonds.

65% stocks :sharebeer
Close enough

John
by Johm221122
Tue Oct 14, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: the importance of asset allocation
Replies: 16
Views: 1536

Re: Relatively new here. What did you do in 2008/09

Rebalance into stocks aggressively, unfortunately not at bottom :happy

John
by Johm221122
Tue Oct 14, 2014 4:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10026

Re: where should I allocate my Fixed Income portion?

You could both live for another 30-50 years. Why do you need fixed income in your portfolio at all? And yes, I am a one trick pony on this topic, but why take a guaranteed hit to your total return over the next x decades when you are quite young and should still be risk tolerant? Particularly... kn...
by Johm221122
Mon Oct 13, 2014 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: where should I allocate my Fixed Income portion?
Replies: 7
Views: 713

Re: U.S. stocks in freefall

bogleblitz wrote:My YTD porfolio is very close to 0% Oct 13th. i made nothing and lost nothing for 10 months.

75% stock/ 25% bond
66% US / 33% International

I turned negative today for year
-.20%


John
by Johm221122
Mon Oct 13, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 158688

Re: where should I allocate my Fixed Income portion?

Your choice in my opion would be influenced by two things

Bond maturity, do you want more or less risk.Stable value no interest rate risk Stable, short term bond index little risk, total bond is tad bit more risky

Exspence ratio of bond funds vs yield of stable value



John
by Johm221122
Mon Oct 13, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: where should I allocate my Fixed Income portion?
Replies: 7
Views: 713

Re: Does your ROTH hold risky or stable items?

I use mostly international and extended market index because my two best options in 401 are stable value and 500 index


John
by Johm221122
Mon Oct 13, 2014 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3519

Re: What Do You Keep In Your Bank Safe Deposit Box?

Savings bonds
SS card
School papers
Birth certificate
Most recent year end statements from brokerage accounts


John
by Johm221122
Mon Oct 13, 2014 8:02 am
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2648

Re: I Bonds - Best redemption strategy

They would be last thing I'd cash in, except investments with penalty

John
by Johm221122
Sun Oct 12, 2014 8:31 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - Best redemption strategy
Replies: 13
Views: 1416

Re: Fixed Income Investments In Tax Deferred Accounts?

You can sell/exchange funds in tax advandged accounts at anytime to rebalance to desired AA

I'd use what made sense tax wise(tax advantaged/taxable) and not follow conventional wisdom

John
by Johm221122
Sat Oct 11, 2014 7:20 pm
 
Forum: Investing - Theory, News & General
Topic: Fixed Income Investments In Tax Deferred Accounts?
Replies: 6
Views: 513
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