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Re: Short-term Bond Index Fund

I don't see the point, I Bonds and CDs both have higher rates and lower risk.
by John3754
Wed Apr 23, 2014 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Short-term Bond Index Fund
Replies: 14
Views: 1658

Re: opened up wellesley for kids

so i guess the big question, is am i fine investing in wellesley for my kids, or should i exchange for a 2025 target fund? Only you can answer the question of what your risk tolerance is for this money, nobody else can answer that for you. Wellesley is far more conservative with 40/60 stocks/bonds,...
by John3754
Mon Apr 21, 2014 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: opened up wellesley for kids
Replies: 9
Views: 1280

Re: opened up wellesley for kids

Conservative for someone with a long time frame and tax inefficient for a taxable account.
by John3754
Mon Apr 21, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: opened up wellesley for kids
Replies: 9
Views: 1280

Re: Please critique my 300k portfolio

Why so heavy on bonds given your age in a previous post? I'm in my mid 30's and holding roughly my age in bonds.. Is that considered too conservative? Your asset allocation should be based on your risk tolerance. John Bogle recommends age in bonds as a good starting point, it is on the conservative...
by John3754
Sun Apr 20, 2014 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Please critique my 300k portfolio
Replies: 12
Views: 1831

Re: Hit your #, Still want to work, does your savings % chan

I think lifestyle creep is a dangerous thing, and for me "toys" become nothing but clutter, complications, and regrets. Personally I would continue forward with my current lifestyle and resist the urge to increase spending, but that's just me, and I am not you.
by John3754
Sun Apr 20, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit your #, Still want to work, does your savings % change?
Replies: 47
Views: 3873

Re: Speculation on I Bond fixed rate for May 1st

555 wrote:The "every year" is that there is a new purchase each year.


Future purchases are irrelevant to the question.
by John3754
Sat Apr 19, 2014 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 32
Views: 3481

Re: Speculation on I Bond fixed rate for May 1st

Seriously, we're speculating over whether the fixed rate will be 0.0% to 0.20%? :? It's like a 20bp difference in expense ratios. Don't you think that makes a difference? On a million dollar portfolio youd be talking about a few thousand dollars a year, but on a $10k I Bond purchase the difference ...
by John3754
Sat Apr 19, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 32
Views: 3481

Re: Speculation on I Bond fixed rate for May 1st

Seriously, we're speculating over whether the fixed rate will be 0.0% to 0.20%? :? It's like a 20bp difference in expense ratios. Don't you think that makes a difference? On a million dollar portfolio youd be talking about a few thousand dollars a year, but on a $10k I Bond purchase the difference ...
by John3754
Sat Apr 19, 2014 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 32
Views: 3481

Re: Looking for Muni income--PML???

It's a highly leveraged junk bond fund, very high risk for a fixed income investment, take a look at what the NAV did in 2008.
by John3754
Sat Apr 19, 2014 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for Muni income--PML???
Replies: 6
Views: 594

Re: Presentation for Retiring Physicians

What makes a retiring physician different than a retiring anyone else?
by John3754
Sat Apr 19, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Presentation for Retiring Physicians
Replies: 5
Views: 674

Re: How high of an allocation to REITs?

Calm Man wrote:OP, I would suggest you first ask yourself why you would want REITs to an extent more than the Total Stock Index Fund.


I think the OP answers that question here:

viewtopic.php?f=1&t=118637&p=1731689&hilit=+100%25#p1731689
by John3754
Thu Apr 17, 2014 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How high of an allocation to REITs?
Replies: 24
Views: 2831

Re: How high of an allocation to REITs?

I understand liking the simplicity of only having one fund in the account, but if you're not sure you're comfortable with that much overweight in REIT then why not buy something else? Two funds isn't really THAT complicated, and it gives you some rebalancing flexibility since you could swap between ...
by John3754
Thu Apr 17, 2014 7:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: How high of an allocation to REITs?
Replies: 24
Views: 2831

Re: Investing Noob

I would recommend staying out of bonds at your age. I know that some people will disagree, but when I first posted here I listened to the folks that told me that - and they were few and far between. Fast forward a few years, and this turned out to be a good decision. Not to say the tides can't shif...
by John3754
Wed Apr 16, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing Noob
Replies: 6
Views: 362

Re: Lost $10K in my investments past few months

Having an asset allocation thats appropriate for your risk tolerance means understanding that the equity portion of your portfolio could drop 50% in value at any given time.
by John3754
Mon Apr 14, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost $10K in my investments past few months
Replies: 36
Views: 4359

Re: gold , silver, copper and uranium only

Well selftalk, we're all waiting in suspense for you to enlighten us, so lets hear it...
by John3754
Mon Apr 14, 2014 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2244

Re: gold , silver, copper and uranium only

Selftalk, answer this question, how do you know that prices have BOTTOMED out? What's stopping them from dropping further?
by John3754
Mon Apr 14, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2244

Re: Bond ladder question

Your plan seems reasonable. I'm a big fan I bonds personally for a number of reasons...the liquidity, the tax deferral, the inflation protection, and the low penalties. I find CDs to be less ideal for taxable savings because the taxes are not deferred, so take that into account when comparing the ra...
by John3754
Sun Apr 13, 2014 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond ladder question
Replies: 7
Views: 812

Re: Woodpeckers...I'm desperate!

How about mounting a metal backed piece of wood over the area where the bird pecks? That way he can peck holes to his hearts delight and not damage the side of your house. I am assuming the metal will stop him. It might not look good (can paint it to look like the rest of the house), but it might s...
by John3754
Sat Apr 12, 2014 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3444

Re: Woodpeckers...I'm desperate!

John3754, I've been spending time on this forum for a little under a year. Your post was hands down the most depressing post I've read so far I know, and I'm sorry, I felt bad writing it but it's all true. We were desperate, the damage to the house and being woken up at the crack of dawn every day ...
by John3754
Sat Apr 12, 2014 8:21 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3444

Re: Woodpeckers...I'm desperate!

I owned a house with wood siding and I had this same problem. It was a MAJOR issue, the woodpecker(s) would peck holes about 3 inches in diameter through to the interior of the wall, other birds and bees would then get into the walls of our house and build nests. They would invariably do this at 5:3...
by John3754
Sat Apr 12, 2014 8:13 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 3444

Re: Speculation on I Bond fixed rate for May 1st

Since I don't want to lose up to $20/year, I will invest my annual limit by 4/30. Hey, $20/year x 30 years is $600 more dollars to spent on Latte. Haha, I know this entire thing is silly because we are literally talking about a difference of $20, but I just happened to notice that the date was comi...
by John3754
Sat Apr 12, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 32
Views: 3481

Speculation on I Bond fixed rate for May 1st

What do you think the fixed rate on I bonds is going to do, go up, go down, or stay the same? Obviously this is nothing more than speculation, and I don't expect the rate to do anything drastic, just wondering what people think might happen.
by John3754
Sat Apr 12, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 32
Views: 3481

Re: gold , silver and copper

Gold is currently around 1300...how do you know thats a "bottoming" price? What's stopping it from going to 1000? Or 800?

Bogleheads generally see precious metals as speculative, non-productive assets. You won't find many gold bugs around here.
by John3754
Fri Apr 11, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2244

Re: A foolish investor?

How would you feel if the value of your portfolio dropped by 50%? What would you do if that happened?
by John3754
Fri Apr 11, 2014 8:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: A foolish investor?
Replies: 13
Views: 1555

Re: Anyone else very reluctant to buy right now?

Wow.It is very clear to me that belief systems are VERY strong and the stronger you believe the less likely you are to see something even in a slightly different way.There is just no way in the real world that selling a long term investment to time the market is exactly the same as waiting to inves...
by John3754
Thu Apr 10, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 12210

Re: How to invest my "Emergency Fund"

Keep it in a money market. You will have it if you need it. Locking it up in I bonds for a year makes it not an emergency fund. If you decide to use I bonds for your emergency fund then you don't simply dump the entire thing in all at once. Here's an example of how you could do it, say you like to ...
by John3754
Thu Apr 10, 2014 10:11 am
 
Forum: Investing - Help with Personal Investments
Topic: How to invest my "Emergency Fund"
Replies: 20
Views: 2001

Re: How to invest my "Emergency Fund"

I keep a large part of my emergency fund in I bonds. The catch is that they can't be cashed in for 1 year after purchase, after the first year though they can be cashed at any time.
by John3754
Wed Apr 09, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest my "Emergency Fund"
Replies: 20
Views: 2001

Re: Why so many Bond funds

They do this to make investing look a lot more complex than it really is, and to rob you on the high fees charged on all those funds. Seriously, there's absolutely positively no good reason to have you in that many bond funds, they do it because it benefits them, not you.
by John3754
Mon Apr 07, 2014 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why so many Bond funds
Replies: 6
Views: 617

Re: Anyone else very reluctant to buy right now?

I always ask and nobody ever answers....ok so you feel valuations are high right now and you don't want to buy in, fine, so how do you decide when it's the right time to start buying in again? What's your trigger point? Are you waiting for the S&P500 to drop to 1700? 1600? 1500? If you have a nu...
by John3754
Mon Apr 07, 2014 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 12210

Re: Anyone else very reluctant to buy right now?

So what price are you waiting for to start buying in again?
by John3754
Mon Apr 07, 2014 7:11 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 12210

Re: How to rebalance if bonds all in Ira

You could buy tax exempt bonds in your taxable account, or I Bonds through treasury direct.
by John3754
Sun Apr 06, 2014 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to rebalance if bonds all in Ira
Replies: 5
Views: 526

Re: Starting a Taxable Investment Account

I would consider maxing out your tax advantaged accounts before you start taxable investments.
by John3754
Sun Apr 06, 2014 8:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting a Taxable Investment Account
Replies: 18
Views: 1451

Re: The Unthinkable Disaster: What If Your Account Disappear

The IRS has records of all the investments I've ever made. Problem solved?
by John3754
Sun Apr 06, 2014 6:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: The Unthinkable Disaster: What If Your Account Disappeared?
Replies: 43
Views: 4695

Re: Backdoor Roth IRA for 2014

You have until April 15th 2015.

You want to convert basically as soon as the funds clear, otherwise if you wait and there are gains you will have to pay tax on the gains when you convert.
by John3754
Sun Apr 06, 2014 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA for 2014
Replies: 5
Views: 495

Re: What would you do in this situation?

Thanks for all the responses. I guess the question I should have asked is what is the best asset allocation for money that is planned to be spent over a 10 year span. VASIX is 20% stock and 80% bonds. Is that too conservative? Should I consider moving some or all of it to the LifeStrategy Conservat...
by John3754
Sat Apr 05, 2014 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you do in this situation?
Replies: 9
Views: 649

Re: How are you preparing for the coming bear market

Wait, so we're in a bull market? Why didn't someone tell me :( http://money.cnn.com/2014/03/06/investing/bull-market-five-years/ All that stuff about "average length of a bull market" and "average length of a bear market" is, in my arrogant opinion, some of the most bogus stuff ...
by John3754
Sat Apr 05, 2014 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7861

Re: How are you preparing for the coming bear market

This is a thinly veiled question about what people do to try and time the market... What can one do to prepare for the inevitable bear market other than have the appropriate amount of non-equity assets for their personal risk tolerance? Anything that you could possibly do, like stock piling cash, h...
by John3754
Sat Apr 05, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7861

Re: How are you preparing for the coming bear market

This is a thinly veiled question about what people do to try and time the market... What can one do to prepare for the inevitable bear market other than have the appropriate amount of non-equity assets for their personal risk tolerance? Anything that you could possibly do, like stock piling cash, ha...
by John3754
Sat Apr 05, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7861

Re: What would you do in this situation?

I would put it into the same asset allocation that I put the rest of my general assets into, it's the only thing that would make sense to me as this money is no different than any other money.
by John3754
Sat Apr 05, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: What would you do in this situation?
Replies: 9
Views: 649

Re: Options for the medical grad but no residency

wamfan wrote:Fast forward - I have been in industry now for nearly 18 years...To the other posters who mentioned your wife has no shot - simply not true.


Is it possible that things are different now than they were 18 years ago?
by John3754
Fri Apr 04, 2014 9:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Options for the medical grad but no residency
Replies: 95
Views: 7168

Re: How much to build a small house from scratch?

look into pre-made houses that are assembled on site Why? I'm not looking for a pre-made house that's assembled on site, I'm looking for a custom built house and am just trying to get a ballpark idea of what it will run me. some small houses http://www.the-homestore.com/floorplans/types/one-stories...
by John3754
Sun Mar 30, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 28
Views: 1584

Re: How much to build a small house from scratch?

gerrym51 wrote:look into pre-made houses that are assembled on site


Why? I'm not looking for a pre-made house that's assembled on site, I'm looking for a custom built house and am just trying to get a ballpark idea of what it will run me.
by John3754
Sun Mar 30, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 28
Views: 1584

Re: How much to build a small house from scratch?

jfn111 wrote:Most houses I sell average between $75 and $125 per sq foot. Obviously an expensive lot could raise that.


Is this $75 to $125 per sq foot all said and done, built from the ground up including the price of the lot? So for 500 sq ft you'd be talking $37.5K to $62.5K?
by John3754
Sun Mar 30, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 28
Views: 1584

Re: How much to build a small house from scratch?

donall wrote:House is designed, no need for an architect...


Not looking to build this exact house, just wanted to give an idea of the general type of house I had in mind.
by John3754
Sun Mar 30, 2014 9:12 pm
 
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 28
Views: 1584

Re: How much to build a small house from scratch?

Your link gives a precise answer of under $42,000 if you do it yourself plus the land. That is the cost of the materials to build that particular house, it does not include buying the land or paying for labor to actually build the house. I'm talking about buying a plot of land and hiring a firm to ...
by John3754
Sun Mar 30, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 28
Views: 1584

How much to build a small house from scratch?

I'm considering building a small house a few years from now, say about 500 square feet. I've never been involved in such a project before, and I realize that there are a LOT of variables involved, but I'm looking for a ballpark figure of how much something like this would cost. My assumptions are th...
by John3754
Sun Mar 30, 2014 8:27 pm
 
Forum: Personal Consumer Issues
Topic: How much to build a small house from scratch?
Replies: 28
Views: 1584

Re: wittdrawal percentange taxable vs. non-taxable

4% of your entire portfolio, taxable and non-taxable combined.
by John3754
Sun Mar 30, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: wittdrawal percentange taxable vs. non-taxable
Replies: 7
Views: 400

Re: POLL: Do rebalance bands matter?

Rebalancing is not about "financial benefit", its about maintaining risk. If having an "excess" equity exposure of 3% doesn't make you feel uncomfortable then there is no benefit to rebalancing.
by John3754
Sun Mar 30, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Do rebalance bands matter?
Replies: 20
Views: 1263

Re: retired at 37?

A lot of this is highly dependent on a persons lifestyle and spending habits, which is a missing piece in this story. If someone lives on $15K a year they could maintain their lifestyle with a 3% withdrawal rate on a $500k portfolio.
by John3754
Sun Mar 30, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: retired at 37?
Replies: 52
Views: 4934

Re: International Bond Allocation?

Petrocelli wrote:I think it would provide a smidgen of diversification.


20% sounds reasonable, but there's really no correct answer to this question.
by John3754
Sat Mar 29, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: International Bond Allocation?
Replies: 24
Views: 1646
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