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by LAlearning
Thu May 21, 2015 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: Apply Medical school advice
Replies: 17
Views: 1499

Re: Apply Medical school advice

Would not list it.

If the interview goes well, he can bring it up on his own and carry a conversation.

If it doesn't come off right, or for whatever reason the interviewer has a bias, it can only hurt him.
by LAlearning
Thu May 14, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: Home Internet - Cat 5e or Cat 6
Replies: 49
Views: 3093

Re: Home Internet - Cat 5e or Cat 6

5e with AC!
by LAlearning
Sun Apr 26, 2015 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell a mutual fund? [Also, when to buy?]
Replies: 15
Views: 1065

Re: When to sell a mutual fund? [Also, when to buy?]

I don't think you understand this forum.
by LAlearning
Sat Apr 25, 2015 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why the big difference in my intl managed vs index funds
Replies: 8
Views: 672

Re: Why the big difference in my intl managed vs index funds

For one DODFX holds some U.S. Stocks as well as the ubiquitous "other" category according to M*...
by LAlearning
Mon Mar 23, 2015 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: When to inject my index funds with this cash
Replies: 7
Views: 967

Re: When to inject my index funds with this cash

The answer is obvious. The time was yesterday!
by LAlearning
Sat Mar 21, 2015 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing?
Replies: 18
Views: 1972

Re: How is VTIAX performing?

I have invested in the Vanguard Total International Stock fund for about 5 years now. It seems to be not performing to my expectations. I am not an experienced investor so I am looking for some advice. I have about 20% of my stock allocation in this fund. Are there other Vanguard or competitors fun...
by LAlearning
Sat Mar 21, 2015 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for good friend
Replies: 38
Views: 3539

Re: Advice for good friend

It's amazing how many of my women friends have such little interest/knowledge in managing their finances. When I try to educate them, I get nowhere. It is especially troubling when one's spouse dies and then the wife is overwhelmed due to lack of basic financial information in order to make decisio...
by LAlearning
Sat Mar 21, 2015 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio input, please.
Replies: 3
Views: 343

Re: Portfolio input, please.

I personally don't see use in the intl bond index. Only time will tell. I don't know why you duplicated holdings in each account. I would fill the IRA with your bonds of choice, then stocks to finish it off and taxable. And unlikely your planner is better than the boglehead board....unless they are ...
by LAlearning
Sat Mar 21, 2015 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 4227

Re: Opened an account Vanguard yesterday, now having cold fe

Remember, everything you read on the internet is true.

Except the stuff that isn't...
by LAlearning
Wed Mar 18, 2015 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: 401K or Roth IRA
Replies: 6
Views: 522

Re: 401K or Roth IRA

Depends on your marginal rate.
by LAlearning
Wed Mar 18, 2015 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: psych intern
Replies: 9
Views: 1617

Re: psych intern

Depending on the 403b options, it might be better to contribute there than the rIRA with regards to lowering your taxes.
by LAlearning
Tue Mar 17, 2015 12:03 am
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7971

Re: What's your average ER? [Expense Ratio]

Now 0.1%...so average.
by LAlearning
Mon Mar 16, 2015 7:44 pm
Forum: Investing - Theory, News & General
Topic: Shiller - How Scary Is the Bond Market?
Replies: 29
Views: 4561

Re: Shiller - How Scary Is the Bond Market?

...rebalance PRN...
by LAlearning
Sun Mar 15, 2015 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: International funds
Replies: 3
Views: 385

Re: International funds

Total Intl only
by LAlearning
Sun Mar 15, 2015 1:54 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA married limits
Replies: 13
Views: 1051

Re: Roth IRA married limits

What's hers is hers and whats yours is hers.
by LAlearning
Sat Mar 14, 2015 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Best/safest investment for 5% yield?
Replies: 13
Views: 2578

Re: Best/safest investment for 5% yield?

5% With Zero risk? I'll trade you some magic beans for that.
by LAlearning
Tue Mar 10, 2015 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Benefits of Flagship
Replies: 24
Views: 2423

Re: Benefits of Flagship

Here let me google that for you...
by LAlearning
Fri Mar 06, 2015 10:11 pm
Forum: Investing - Theory, News & General
Topic: Anyone hold precious metal
Replies: 44
Views: 3620

Re: Anyone hold precious metal

No. They serve no purpose in my investment plan.
by LAlearning
Fri Mar 06, 2015 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: My first $100K!
Replies: 17
Views: 2198

Re: My first $100K!

Even with today's dip? That's great!
by LAlearning
Thu Mar 05, 2015 11:23 pm
Forum: Personal Finance (Not Investing)
Topic: Loaning a Friend Money for Downpayment
Replies: 20
Views: 1531

Re: Loaning a Friend Money for Downpayment

Tell him he can wait 4 months.
by LAlearning
Thu Mar 05, 2015 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds Now?
Replies: 6
Views: 1068

Re: Bonds Now?

9%bonds and you want to retire in 10 yrs....yea a little crazy.
by LAlearning
Thu Mar 05, 2015 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Elect 75% of take-home pay to 401k?
Replies: 35
Views: 1932

Re: Elect 75% of take-home pay to 401k?

You should read read up on how to do taxes.
by LAlearning
Wed Mar 04, 2015 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 63
Views: 6474

Re: What is your credit score?

810-ish.
by LAlearning
Wed Mar 04, 2015 9:57 am
Forum: Investing - Help with Personal Investments
Topic: AA in taxable accounts
Replies: 3
Views: 351

Re: AA in taxable accounts

No. You need to read the wiki on tax efficiency.
by LAlearning
Mon Mar 02, 2015 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy VTI and VEA when prices are so high
Replies: 11
Views: 1447

Re: Should I buy VTI and VEA when prices are so high

Looks like your going to be foolish either way...
by LAlearning
Sun Mar 01, 2015 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Tilting - Sectors, not REITs
Replies: 6
Views: 517

Re: Tilting - Sectors, not REITs

You can search for those threads.

I do not.
by LAlearning
Sun Mar 01, 2015 7:01 pm
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7971

Re: What's your average ER?

Currently 0.17%, soon to be 0.1%.
by LAlearning
Sun Mar 01, 2015 12:47 am
Forum: Personal Finance (Not Investing)
Topic: How much was your Tax Refund (or amount DUE)
Replies: 110
Views: 7972

Re: How much was your Tax Refund (or amount DUE)

Got $50 back, I consider that a win.
by LAlearning
Sat Feb 28, 2015 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: [Does anyone have comments on this growth model?]
Replies: 14
Views: 1144

Re: [Does anyone have comments on this growth model?]

Its odd. I'm sure you can do better....and worse.
by LAlearning
Sat Feb 28, 2015 12:48 am
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 5086

Re: Not "Staying the Course"

When Vanguard changes the course...
by LAlearning
Thu Feb 26, 2015 2:47 pm
Forum: Investing - Theory, News & General
Topic: REITs [Why did Vanguard's REIT lose 2% today?]
Replies: 33
Views: 3687

Re: REITs [Why did Vanguard's REIT lose 2% today?]

TOMO wrote:Why did Vanguard's REIT funds lost 2% today?


Because you looked.
by LAlearning
Wed Feb 25, 2015 10:25 pm
Forum: Investing - Theory, News & General
Topic: Newbie ??
Replies: 5
Views: 547

Re: Newbie ??

50:50
All now.
Yes.

Honestly there's not nearly enough info to answer you...
by LAlearning
Wed Feb 25, 2015 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Have I made a terrible mistake? - whole life
Replies: 59
Views: 7801

Re: Have I made a terrible mistake? - whole life

:oops: . :oops: . :oops: .
That means yes, yes, yes.
by LAlearning
Wed Feb 25, 2015 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Porfolio allocation for $40k
Replies: 5
Views: 590

Re: Porfolio allocation for $40k

Do you have a workplace retirement plan? If so, would max it out with your influx.
by LAlearning
Wed Feb 25, 2015 10:00 am
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 3410

Re: Is it actually impossible to time market crashes?

Nothing is impossible. Someone can always get it right once.
by LAlearning
Wed Feb 25, 2015 12:58 am
Forum: Investing - Help with Personal Investments
Topic: it it too late buying more stocks and bond ??
Replies: 18
Views: 3574

Re: it it too late buying more stocks and bond ??

Yes it's too late. May as well give up now and disperse your forsaken money across the anonymous inter tubes... :oops:
by LAlearning
Tue Feb 24, 2015 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Mom Asked Me For Help - I Need Your Help
Replies: 7
Views: 961

Re: Mom Asked Me For Help - I Need Your Help

Wait, she has 1.9 million to spend and cant figure out how to spend 13k/year or 0.6% of the portfolio??????? Im so confused what the question is...
by LAlearning
Tue Feb 24, 2015 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Breaking up with a Financial Advisor help?
Replies: 17
Views: 1326

Re: Breaking up with a Financial Advisor help?

"I recently paid a 5.75% load on my ROTH investments(which I know is not good and one of the reasons why I am leaving) so I would rather wait until the end of the year or longer to move those accounts over so I don't take even a bigger hit." That makes no sense. You can never get the load ...
by LAlearning
Mon Feb 23, 2015 11:56 pm
Forum: Personal Consumer Issues
Topic: iPad users: what browser are you using?
Replies: 28
Views: 2066

Re: iPad users: what browser are you using?

Chrome. Google knows everything about me everywhere, which makes my life so much easier.
by LAlearning
Sun Feb 22, 2015 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Convincing a novice index funds are superior
Replies: 26
Views: 2567

Re: Convincing a novice index funds are superior

Let them do half and half and see if they catch on.
by LAlearning
Sun Feb 22, 2015 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Free Credit Monitoring Credit Karma and Sesame
Replies: 4
Views: 363

Re: Free Credit Monitoring Credit Karma and Sesame

If you just would freeze your reports then there's nothing to monitor...

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