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Re: Vanguard IRA Minimums

However, it is a $3000 minimum to open an IRA, causing my son to open it in Schwab instead. It is also a $3000 minimum for all funds except the Star Fund, causing my daughter to invest in the Star Fund.
by Jordana
Sun Apr 21, 2013 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard IRA Minimums
Replies: 9
Views: 1441

Re: Cash - do you keep a stash on hand?

What about the theory that you need a few thousand dollars in cash on hand in case of a disaster (financial or natural) and the banks and ATMs are closed? I do not do that but I think it is a good thing. I figure I won't need my gold bullion for the first couple months of the crisis 8-)
by Jordana
Fri Mar 15, 2013 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Cash - do you keep a stash on hand?
Replies: 83
Views: 6224

Re: Why do people care about the Dow?

I think the range of numbers is the range that people inherently understand. It is a range around the number $10,000, not too high and not too low, so people are comfortable with it. The Nasdaq's range appears low and the US debt's range is too high to be comprehended by many people. The range for t...
by Jordana
Tue Mar 12, 2013 9:54 am
 
Forum: Investing - Theory, News & General
Topic: Why do people care about the Dow?
Replies: 50
Views: 3544

Re: SEP QUESTION re: employee turning 21

Thank you very much for the answer. I had been looking all over for it.
by Jordana
Mon Mar 11, 2013 1:05 am
 
Forum: Investing - Theory, News & General
Topic: SEP QUESTION re: employee turning 21
Replies: 2
Views: 215

SEP QUESTION re: employee turning 21

If an young employee who has worked 3 of the last 5 years turns 21 in a certain year but does not work after her 21st birthday, would I, as the employer, need to give her a SEP. It is a family member so there are no repercussions on the employee no longer working. (My guess is yes, since she would t...
by Jordana
Sat Mar 09, 2013 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: SEP QUESTION re: employee turning 21
Replies: 2
Views: 215

Re: Is Med School still a good financial investment?

If you crunch the #s, I would have to say no. There are the years at med school wherein you do not earn money and have loans. Applying to med school can cost $15000--easy--given all the fees, the tests and the travel to interviews. (I have a son in med school and a son who is pre-med so I know of wh...
by Jordana
Tue Feb 26, 2013 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Med School still a good financial investment?
Replies: 123
Views: 7977

Re: VSS or SCZ for International Small-Cap?

I thought about this one for awhile when picking my allocation. I chose SCZ for my developed foreign small cap and I think it has more of a value tilt. VSS seems more of a blend. I had started accumulating VSS which I am now using as a core holding for small foreign.
by Jordana
Mon Feb 25, 2013 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: VSS or SCZ for International Small-Cap?
Replies: 17
Views: 1870

Re: What's your favorite frugal thing(s) to do?

Buy below face value postage stamps on Ebay
by Jordana
Sun Feb 24, 2013 3:43 pm
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 500
Views: 97046

Re: Rydex Funds

1) When looking at all the different types of sector ETFs, it seems like the fundamental ones do the best, such as Alphadex ETFs from First Trust. It is not a bogle-like philosophy though, so I tend to use them for sectors, not for any core holdings. 2) Schwab just put in Rydex Equal Weight Funds wi...
by Jordana
Fri Feb 22, 2013 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rydex Funds
Replies: 13
Views: 1524

Re: That Frugal Thing You Do

As to inexpensive greeting cards, my mother gave my sister and I a box of nice quality greeting cards for different occasions, a few years ago from Costco. The cards looked "unique" and "upscale". My brother and sister-in-law just had a baby and went the family went over, my sist...
by Jordana
Thu Feb 21, 2013 7:00 pm
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 500
Views: 97046

Re: Post your Morningstar X-Ray Style Box

I am a 56 yo married female physician with 3 kids in college/med school and my husband is retired (no income) All that education....just started asset allocation in 2010 so have not yet put all my ducks in order... equities 19 19 18 10 11 6 6 5 6 Bonds 0 8 26 0 8 5 0 0 0 Long% Short% Net% Cash 30 - ...
by Jordana
Wed Feb 20, 2013 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Post your Morningstar X-Ray Style Box
Replies: 71
Views: 3431

Re: 1st Birthday Present

After my son's first birthday party, we left all the decorations up--including the big poster on the door saying happy birthday--until we moved. We just loved the first birthday party. And, whenever we got pizza delivered, they thought that we were having a party.
by Jordana
Tue Feb 12, 2013 9:22 pm
 
Forum: Personal Consumer Issues
Topic: 1st Birthday Present
Replies: 32
Views: 2373

Re: college tuition

I'd say yes. My state is one of the more expensive state university systems and I presume you can't move to another state and disrupt your family. An engineering degree will make your child marketable--and what more could a parent want? The expensive private schools are now running $65,000 to $70,00...
by Jordana
Tue Feb 12, 2013 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: college tuition
Replies: 15
Views: 814

Re: Worth fixing a 30-year-old Maytag dryer?

You can't get a Maytag like that anymore. They do not make them; I don't know about the parts. I just bought a SpeedQueen which is said to be like the old Maytag and the salesman said it would last 20 years. Thirty years seems like the most you will likely get. The SpeedQueen is like our old Maytag ...
by Jordana
Tue Feb 12, 2013 5:57 pm
 
Forum: Personal Consumer Issues
Topic: Worth fixing a 30-year-old Maytag dryer?
Replies: 26
Views: 2451

Re: Question for all the docs out there....

I am a physician and had looked into locum tenens before. I also looked into being a JCAHO "inspector" after I got a hospital ready for accreditation. I found that they paid much less than a hospital job and private practice. You also end up being a moonlighter--though not a resident. You ...
by Jordana
Mon Feb 11, 2013 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Question for all the docs out there....
Replies: 4
Views: 491

Re: Military Prep School

If it is the prep school associated with the Air Force Academy, then it is likely he would be accepted if his grades are good enough. If he is being recruited for a team, then he would very likely be accepted He would still have to get a nomination. However, there are budget cuts and the service aca...
by Jordana
Mon Feb 11, 2013 12:40 am
 
Forum: Personal Consumer Issues
Topic: Military Prep School
Replies: 45
Views: 2972

Re: SS Planner Brilliant or Too Clever by Half?

I thought only one spouse can take a spousal benefit.
by Jordana
Sat Feb 09, 2013 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: SS Planner Brilliant or Too Clever by Half?
Replies: 21
Views: 2980

Re: Am I too late for REITs?

I have been accumulating VNQ and RWX for my Real Estate portion since 5/11 and am continuing to do so. I have this account in TD Ameritrade wherein these 2 funds are commission free, and I buy a small amount at a time. I don't exactly dollar cost average but I am still buying in over time. I persona...
by Jordana
Wed Feb 06, 2013 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I too late for REITs?
Replies: 17
Views: 1975

Re: Anybody purposely loading up on mortgage debt?

In the Weimar Republic, the people who had mortgages did the best. Usually, they were farmers, they paid off the mortgages with near-worthless money and owned the land. I have been thinking about that, but I presume that if the US gets into super-inflationary levels, here will be some sort of regula...
by Jordana
Wed Feb 06, 2013 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Anybody purposely loading up on mortgage debt?
Replies: 57
Views: 3329

What is the time horizon for a 56 year old?

Introduction--I am slowly converting to boglehead investing but not fully converted yet. I have gotten my children on board as well--which was an easy sell because of their long time horizon. It seems like everything is based on the investing time horizon. I think the mid-50s is an age when others m...
by Jordana
Mon Feb 04, 2013 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the time horizon for a 56 year old?
Replies: 1
Views: 430

Re: TIPS - WSJ: "Take TIPS off Your List"

I own TIP and WIP and these funds in my portfolio went up 23% in the past 2 years. I was somewhat wary of buying them and they are 4% of my entire portfolio. I am already changing my longer term corporate bonds to short term ones. I think changing this TIP/WIP allocation would be market timing. I fe...
by Jordana
Mon Feb 04, 2013 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS - WSJ: "Take TIPS off Your List"
Replies: 48
Views: 6188

Re: Jack Bogle on NPR news on Dow 14000

I keep waiting for the interest rate to shoot up and/or for Mr Market to realize how bad the economy is, but it is not happening. I think that the Fed is trying to keep the market up, but I can't understand why is it working. I was incredulous when I looked at the computer today.
by Jordana
Fri Feb 01, 2013 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on NPR news on Dow 14000
Replies: 26
Views: 3224

Re: Would you buy a house with mold in the basement?

You have 2 small children and you are voluntarily buying a problem house that you can never be sure will not have caused whatever health problems your family gets. Moving is stressful and buying a house is stressful. You are not going to want to do it again soon. The kids are young, why not wait unt...
by Jordana
Thu Jan 31, 2013 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Would you buy a house with mold in the basement?
Replies: 23
Views: 2762

Re: ROTH IRA: Fully Fund spouse or open my own?

My husband only has a Roth and I have numerous accounts. He is 10 years older and we do fund his Roth first through back door or conversion. He also will start getting a SEP from working for my business and I will convert that the same year. I think I give him the SEP, convert the SEP, then fund the...
by Jordana
Thu Jan 31, 2013 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA: Fully Fund spouse or open my own?
Replies: 12
Views: 1947

Re: Vanguard small cap index vs. small cap value

I have VBR, IWN, and IWC. I tend to use Ameritrade's commission free funds. I also tend to have more slices in my categories. Morningstar does not like the microcap funds but it has done well and can capture those companies that most indexes will not get.
by Jordana
Thu Jan 31, 2013 4:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard small cap index vs. small cap value
Replies: 19
Views: 2178

Re: Opening a Roth IRA

Vanguard has a minimum of $3000 to open a Roth IRA. My son just started one with $1500 so he went with Schwab and intends to switch to Vanguard when he has enough money. Schwab does have competitive expense fees with a low basis but obviously Vanguard has been doing this for longer. I have also foun...
by Jordana
Thu Jan 31, 2013 1:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Opening a Roth IRA
Replies: 19
Views: 2154

Re: Nickeling and diming out of the HSA

I keep my receipts in an annual folder--prescriptions on one side, vision, dental, etc on the other. I use Quickbooks (I guess you can do this with Quicken) and have made an HSA account and put the virtual payments in as checks. Then I print it out at the end of the year and put it in the folder. I ...
by Jordana
Thu Jan 31, 2013 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Nickeling and diming out of the HSA
Replies: 29
Views: 1635

Re: Equal weighting or market cap weighting?

As per Morningstar, VO tracks RSP very closely. When you do an equal weighting, it ends up like a mid cap fund...logical.
by Jordana
Tue Jan 29, 2013 7:26 pm
 
Forum: Investing - Theory, News & General
Topic: Equal weighting or market cap weighting?
Replies: 124
Views: 7089

Re: If market drops 50% in a week will you rebalance?

I keep a lot in cash (6 figures) so that I can buy into the market. I have been through gyrations. It is hard to keep the course but it is more difficult to sell something to buy something else. Hence the cash.
by Jordana
Fri Jan 25, 2013 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: If market drops 50% in a week will you rebalance?
Replies: 118
Views: 5837

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