Search found 667 matches

Return to advanced search

Re: Good Wines

Two buck chuck.
by LAlearning
Fri Jan 30, 2015 10:48 pm
 
Forum: Personal Consumer Issues
Topic: Good Wines
Replies: 24
Views: 960

Re: Anticipating the pain

Thought this was going to be about a tattoo/medical procedure.

As far as I can tell nothing happened today...
by LAlearning
Tue Jan 27, 2015 6:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anticipating the pain [of one day portfolio drop]
Replies: 13
Views: 1708

Re: Are any US-only investors having 2nd thoughts?

Only Newb would base his decisions over 27 days of data. :oops: .
by LAlearning
Tue Jan 27, 2015 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Are any US-only investors having 2nd thoughts?
Replies: 44
Views: 4290

Re: Help Analyze a 3 Fund Portolfio for friend

My only suggestion is to avoid state specific Muni funds. I prefer the minimal extra taxes vs. the safety (re: diversity) of Vanguards national fund.
by LAlearning
Mon Jan 26, 2015 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Analyze a 3 Fund Portolfio for friend
Replies: 7
Views: 714

Re: How are we doing? I'm feeling lost

Emergency funds: $9,250 currently earning .01%. This is about 2 months bare bones. We don't want to put more than 2 months at a non-interest bearing account at this point. --You should move this to something paying more. Barclays, Ally, your local credit union. Something. Debt: HIs car $1,500 at 0%...
by LAlearning
Mon Jan 26, 2015 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: How are we doing? I'm feeling lost
Replies: 12
Views: 1955

Re: Recommend a clickless mouse

New house with a separate office....?
by LAlearning
Sat Jan 24, 2015 10:13 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2344

Re: How do you recommend investing 1.5 million?

Needsomeadvice111 wrote:Hello, I have been a long time lurker of this forum and am excited to finally join!


:oops:
by LAlearning
Fri Jan 23, 2015 6:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you recommend investing 1.5 million?
Replies: 9
Views: 1606

Re: 529 tax advantage may go away

And in.
by LAlearning
Fri Jan 23, 2015 9:04 am
 
Forum: Investing - Theory, News & General
Topic: 529 Plans in Danger?
Replies: 21
Views: 1514

Re: ANNUITY is unaccaptable & not a good word

What's the problem with a SPIA again?
by LAlearning
Wed Jan 21, 2015 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: ANNUITY is unaccaptable & not a good word
Replies: 8
Views: 982

Re: When is cash still king?

Never.
by LAlearning
Wed Jan 21, 2015 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: When is cash still king?
Replies: 26
Views: 2802

Re: Debt free! 221k paid off in 30 months!

Fantastic. Absolutely the correct path to take. You now have your life ahead of you to save and live. Keep it up. Your new child will thank you. ... Also, 190k/yr = 475K over 30 months Minus 221K debt = 254K (simplistic as the interest was still accumulating). 245K/30months = 8.4K/month of income le...
by LAlearning
Tue Jan 20, 2015 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debt free! 221k paid off in 30 months!
Replies: 9
Views: 1237

Re: Likelihood of Admiral shares for the Target Retirement F

You know there are "Admiral shares" of TRF.

They only exist as institutional investor choices however....
by LAlearning
Tue Jan 20, 2015 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2213

Re: "When you've won the game, stop playing"

The last paragraph says it all and is the key to the whole thing: Just Do It.

Also, my devils post (#666 :twisted: )
by LAlearning
Tue Jan 20, 2015 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8361

Re: Why are fruits not cheaper in California?

You were in the highest COL area in the United States, and you were shocked at....the COL?
:oops:
by LAlearning
Tue Jan 20, 2015 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Why are fruits not cheaper in California?
Replies: 28
Views: 1674

Re: Better to file taxes separately if married?

Play with taxcaster.

Likely it will not be beneficial.
by LAlearning
Tue Jan 20, 2015 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Better to file taxes separately if married?
Replies: 20
Views: 1572

TIAA CREF International Choices

I am evaluating someones retirement plan, which is via TIAA-CREF. It is in a 403b. Likely a 20 year retirement left. Simplicity likely outweighs perfection. In trying to determine international allocation which actually sits at 30% of equities (subdivided assume 80% developed, 20% EM) I have two opt...
by LAlearning
Tue Jan 20, 2015 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIAA CREF International Choices
Replies: 1
Views: 245

Re: Google Chrome: is this a mega security problem?

Lol. This is the reason I use Chrome... Like to share my recent experience with Chrome, both as a heads-up to others and to find out more about it. I have a Windows laptop running Chrome and a Gmail account. I just bought a Google Chromebook to try it out. To start using it you have to log on to you...
by LAlearning
Tue Jan 20, 2015 10:15 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6574

Re: Roth IRA and 401k limits ?

I would steer clear of that friend if he offers advice...
by LAlearning
Mon Jan 19, 2015 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: Roth IRA and 401k limits ?
Replies: 17
Views: 966

Re: Currently retired - My investigation so far Part II (fin

I'd take #2.
But I would adjust #1 to lose the gold. Also TISM has emerging markets so you're good.

Seems to be multiple 5MM portfolios floating around...congrats.
by LAlearning
Sun Jan 18, 2015 6:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Currently retired - My investigation so far Part II (final?)
Replies: 4
Views: 1476

Re: Help with starting a retirement account for my fiance?

Now I am loosing sleep over this year taxes and see how I can get us back on track. My advice to get a good prenup and keep everything separate. A woman poor with money skill is no fun to be around since they tend to want to take a lead handling the money and can only cause havoc. Aren't you the du...
by LAlearning
Fri Jan 16, 2015 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with starting a retirement account for my fiance?
Replies: 13
Views: 1003

Re: Why invest in International funds? It's a mystery

Did you read the Vanguard white paper?
by LAlearning
Fri Jan 16, 2015 9:43 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10517

Re: Time to protect against rising inflation?

And what are you going to do with all those numbers?
by LAlearning
Fri Jan 16, 2015 9:01 am
 
Forum: Investing - Theory, News & General
Topic: Time to protect against rising inflation?
Replies: 31
Views: 2648

Re: Wellington Fund as primary retirement investment

Downside: diversification.
Would I use? No.
by LAlearning
Thu Jan 15, 2015 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund as primary retirement investment
Replies: 29
Views: 4725

Re: Best time to contribute to ROTH IRA?

Best time: yesterday.
Better time: today
Worst time: tomorrow
by LAlearning
Wed Jan 14, 2015 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Best time to contribute to ROTH IRA?
Replies: 15
Views: 2106

Re: Trying to help a friend....please advise!

50:50 allocation. She has an emergency fund and no debt. 403b at Fidelity : ~47% 47%: Fidelity Spartan US Bond Index (ER: 0.07%) --Feel free to split in any percentage with Metlife StV. Up to her. Roth IRA (at Vanguard) : ~2% 2%: Vanguard Total Bond Market Index VBMFX (or admiral if enough) Brokera...
by LAlearning
Mon Jan 12, 2015 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trying to help a friend....please advise!
Replies: 15
Views: 1877

Re: Do you use the 9 style-box for AA?

Yes. Very important for evaluating what a fund is made of and how a fund might adjust my allocations.
by LAlearning
Mon Jan 12, 2015 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: Do you use the 9 style-box for AA?
Replies: 24
Views: 1874

Re: Buying Disney stock - ABC vs ESPN org chart

And we care why?
by LAlearning
Mon Jan 05, 2015 10:06 pm
 
Forum: Personal Consumer Issues
Topic: Buying Disney stock - ABC vs ESPN org chart
Replies: 15
Views: 1865

Re: Input needed on my retirement investment plans

Reformat to look like this, you'll get a more detailed overhaul:
Asking Portfolio Questions.
by LAlearning
Fri Jan 02, 2015 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement investment plan input needed (including annuity)
Replies: 19
Views: 1071

Re: [Annual POLL] What was your 2014 return?

I honestly don't have individual year returns. Everything is indexed however.

75:25, 30% of equities in international, 5% REIT tilt.

End result:
livesoft wrote:2014 was a great year.
by LAlearning
Thu Jan 01, 2015 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: [Annual POLL] What was your 2014 return?
Replies: 144
Views: 14167

Re: Car Recommendations for about 25k

A new civic.
by LAlearning
Tue Dec 30, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Car Recommendations for about 25k
Replies: 36
Views: 5256

Re: Relevance of MorningStar Fund Ratings

They are not, per Morningstar.
by LAlearning
Tue Dec 30, 2014 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relevance of MorningStar Fund Ratings
Replies: 12
Views: 1409

Re: Equal Weighted Funds - Better?

Momus wrote:Is this really better than a regular cap weighted index fund? Should I switch over and dump my Vanguards?

http://www.marketwatch.com/story/ignore-john-bogle-and-dump-your-sp-500-index-fund-2014-12-10?page=2


Yes.
Let us know what happens in 10 years.
by LAlearning
Mon Dec 29, 2014 3:26 am
 
Forum: Investing - Theory, News & General
Topic: Equal Weighted Funds - Better?
Replies: 31
Views: 2590

Re: Target Retirement Funds - are they the AA you would choo

gardemanger wrote:My question is: GIVEN THAT a person is actually aiming to retire in <year>, do you agree with the AA for a person planning to retire in that year?


Your question presumes there is a correct allocation for a particular retirement date....
by LAlearning
Sun Dec 28, 2014 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds - are they the AA you would choose?
Replies: 32
Views: 2784

Re: Target Retirement Funds - are they the AA you would choo

The date is not important. You should never choose a target date fund by the date, always by the allocation. So yes, they are the AA I would choose, as that is what you should go by.
by LAlearning
Sun Dec 28, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Target Retirement Funds - are they the AA you would choose?
Replies: 32
Views: 2784

Re: How to design a "preretirement portfolio"?

Sounds fine. Will lose ~25% of value during crash, and if you already have an emergency fund, then sure. Mine is at 40:60 personally.
by LAlearning
Sun Dec 28, 2014 6:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to design a "preretirement portfolio"?
Replies: 5
Views: 760

Re: Need Financial Advice (Investment, IRA, 401K)

- California has state taxes. Texas does not. - If you make 170k (gross), your federal is 28%, but your state is 9.3%. You then add them together to get your true marginal tax bracket. So if you make $1 more, you pay $0.373 to taxes before you even start. This will not impact you for 2014, but will ...
by LAlearning
Sun Dec 28, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Financial Advice (Investment, IRA, 401K)
Replies: 6
Views: 648

Re: Need Financial Advice (Investment, IRA, 401K)

[*]Currently living in California [*]Still renting apartment, so no mortgage --So std deduction. [*]Tax bracket: 28%[/list] --Which means you are in the 9.3% California marginal bracket correct? --Which means every extra dollar you make you pay 37.3% in taxes. ⋅ Start with 2% contribution...
by LAlearning
Sun Dec 28, 2014 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Financial Advice (Investment, IRA, 401K)
Replies: 6
Views: 648

Re: Protecting your Windows system from malware

Clicking on links in forums is also a way to introduce malware....
by LAlearning
Fri Dec 26, 2014 3:06 pm
 
Forum: Personal Consumer Issues
Topic: Protecting your Windows system from malware
Replies: 44
Views: 5176

Re: Portfolio Help - Paying off debt & starting to save

Background : Emergency funds : We have a 3 months of living expenses in a savings account (0.05% interest) --Consider moving online, Ally or Barclys is doing around 1%. Also consider IBonds, CDs. Debt: Currently $112k student loans at 6.8% fixed (12/24/2014). Tax Filing Status: Married Filing Joint...
by LAlearning
Wed Dec 24, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help - Paying off debt & starting to save
Replies: 7
Views: 956

Re: Corperate Bonds vs Muni Bonds (for short term Roth accou

You can't put a Muni fund in a tax sheltered account.
If you need funds in 5 years, choose a bond fund with duration less than 5 years.
by LAlearning
Wed Dec 24, 2014 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Corperate Bonds vs Muni Bonds (for short term Roth account)
Replies: 10
Views: 1274

Re: Three fund portfolio size limits

You are wording your questions ..... differently.
You are concerned with the safety of a company, not that a 3 fund cannot work.
If you are uncomfortable with all at one business, then you diversify. If you are not, then you don't.
by LAlearning
Wed Dec 24, 2014 5:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three fund portfolio size limits
Replies: 6
Views: 1439

Re: Dazed & Confused

You can't know anything about the current market, not does anyone here.

Re-assess your plan, then invest according to it.

Enjoy retirement.
by LAlearning
Wed Dec 24, 2014 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dazed & Confused
Replies: 10
Views: 1338

Re: Newbie looking for investment advice

Pause.
Read this: https://www.bogleheads.org/wiki/Getting_started
Then read the whole wiki.
Then read the books in the Wiki.

You need to google the definition of a mutual fund vs. an ETF. A summary can be found in the wiki.
by LAlearning
Wed Dec 24, 2014 5:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie looking for investment advice
Replies: 10
Views: 936

Re: What "actively" manged funds do you own?

VWITX. Vanguard Intermediate-Term Tax-Exempt.
by LAlearning
Sat Dec 20, 2014 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: What "actively" managed funds do you own?
Replies: 82
Views: 4816

Re: 1-day-old Bogleheader seeking portfolio review

Questions: 1. Should we get an investment adviser? Or use a robo service? --No. We have been using a financial/investment adviser (who charges about 1.42% [!!!] ) to oversee about 7.54% of our overall assets. We haven't been happy with them and therefore never increase $ under their management. We'v...
by LAlearning
Sat Dec 20, 2014 8:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1-day-old Bogleheader seeking portfolio review
Replies: 25
Views: 3552

Re: First portfolio review and question

To the OP,
I feel that whenever I see a post by Duckie, I don't find much different information after that. It usually is the end-all of advice for portfolio construction.
by LAlearning
Sat Dec 20, 2014 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: First portfolio review and question
Replies: 3
Views: 330

Re: Investment Help

Yes.

I prefer tax efficiency and diversification. TSM+TISM. TLH as needed.
by LAlearning
Sun Dec 14, 2014 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment Help
Replies: 7
Views: 372

Re: Performed backdoor Roth and accountant did not file 8606

Yes. Yes. Yes.

Amend your tax return with an 8606.

Also find a new accountant.
by LAlearning
Sun Dec 14, 2014 8:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Performed backdoor Roth and accountant did not file 8606
Replies: 52
Views: 4298
Next

Return to advanced search