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Re: Purchasing I bond vs. paying off student loan

Pay off 11k loans.
Buy 20k of IBonds.

You are in the 33% bracket, you can do both...
by LAlearning
Tue Aug 26, 2014 1:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing I bond vs. paying off student loan
Replies: 19
Views: 1005

Re: What are you up YTD?

How do you factor in recent contributions? Considering I only started saving 3 years ago, a significant percentage of my portfolio was invested after 1/1/14. My assets that were invested before 12/31/14 are up 7.4% (90/10 AA), but the money I invested on 7/1/14 isn't up very much. Search Bogle Wiki...
by LAlearning
Tue Aug 26, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 83
Views: 4991

Re: Acorns - Automatic Investing

I dont pay fees.

They also put bonds and REITS in a taxable account.....
A dollar per month, plus AUM, plus ER...
Also only iOS, these people might have trouble with that: viewtopic.php?f=11&t=143371
by LAlearning
Tue Aug 26, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Acorns - Automatic Investing
Replies: 5
Views: 501

Re: Study: poor 5-yr U.S. returns -- overweight foreign?

A new study using CAPE ratios estimates that there is a high probability that the U.S. stock market will experience a 30% drawdown within the next 5 years. http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2470935 Many foreign developed and emerging markets are at better valuations, and should pro...
by LAlearning
Tue Aug 26, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Study: poor 5-yr U.S. returns -- overweight foreign?
Replies: 46
Views: 2941

Re: Term Life Insurance Help

Preventing catastrophe would be putting three kids through college and paying for house. You might need more than 1MM....

Have you read this: http://www.slate.com/blogs/moneybox/201 ... nment.html
by LAlearning
Tue Aug 26, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance Help
Replies: 16
Views: 689

Re: What are you up YTD?

Dont know, dont care.

Re-balanced and trucked along.
by LAlearning
Tue Aug 26, 2014 12:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 83
Views: 4991

Re: Total International Bond Index Fund

We have been surprised that for the bond portion of our portfolio the recommendation has been to invest a substantial portion of it in the Total International Bond Index portfolio. [...]This is quite a change from previous years when the recommendation was to stick with the Total Bond index fund. [...
by LAlearning
Tue Aug 26, 2014 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total International Bond Index Fund
Replies: 36
Views: 2544

Re: Bond fund in taxable account (CA resident)

I realize my whole municipal bond allocation is California. My California muni bond allocation is 16% of total bond allocation. Is there an analyst who thinks this is okay?:) I dont invest in the CA TE fund only because we have access to TE ENTIRE US fund. I am willing to pay the extra tax to diver...
by LAlearning
Tue Aug 26, 2014 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund in taxable account (CA resident)
Replies: 14
Views: 1063

Re: What to do with individual stock I received?

The logical reason is to sell, pay the LTCG tax, re-distribute according to your AA, and move on.
You may want to keep 1 for sentimental value.
by LAlearning
Tue Aug 26, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with individual stock I received?
Replies: 42
Views: 1890

Re: S&P500 over 2000

Am I the only one unhappy with this rising market?
by LAlearning
Mon Aug 25, 2014 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 67
Views: 4873

Re: did I damage my fridge by leaving the door open for a we

You probably knocked some life off of it. But who can tell if 20y down to 19 or 10 down to 9.
by LAlearning
Sun Aug 24, 2014 11:01 pm
 
Forum: Personal Consumer Issues
Topic: did I damage my fridge by leaving the door open for a week?
Replies: 31
Views: 2679

Re: Advice on 401k - Traditional vs Roth

Any answers to any of these replies OP?
by LAlearning
Sun Aug 24, 2014 9:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on 401k - Traditional vs Roth
Replies: 17
Views: 1280

Re: Zegna Suits

That OP price is more than we spent for a week in Hawaii. Pass.
by LAlearning
Sun Aug 24, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 7900

Re: What 5 stocks can I own forever?

Buy a company that will exist forever.
by LAlearning
Sun Aug 24, 2014 9:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4377

Re: What documents should you never throw away?

All of them....after you scan them.
by LAlearning
Fri Aug 22, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: What documents should you never throw away?
Replies: 17
Views: 1620

Re: Mixing life funds and other investment options

It's great. But it involves math...which stops a lot of ppl.
by LAlearning
Thu Aug 21, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: Mixing life funds and other investment options
Replies: 7
Views: 503

Re: Newbie Seeking Portfolio Guidance

No. He means sell these: 8% Vanguard 500 Index Fund Admiral Shares (VFIAX) ($11075) (0.05%) 6.5% Vanguard Windsor II Fund Investor Shares (VWNFX) (0.36%) 5% Vanguard Capital Opportunity Fund Investment Shares (VHCOX) (0.48%) 5% Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) (0.17%) 2...
by LAlearning
Thu Aug 21, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie Seeking Portfolio Guidance
Replies: 12
Views: 1285

Re: which engine and transmission options to choose for Taco

Irrelevant. The most important need is proper snow/ice tires. Any engine will get you moving. 4wd does not help you move or stop.
by LAlearning
Thu Aug 21, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 25
Views: 916

Re: Investors Pour Into Vanguard, Eschewing Stock Pickers

Don't worry, those people will flow out in the next crash leaving us where we started.
by LAlearning
Thu Aug 21, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Investors Pour Into Vanguard, Eschewing Stock Pickers
Replies: 70
Views: 6450

Re: New guy with questions about IRA, Roth, 401k

Read the wiki here on backdoor IRA and google pro-rata rule.
by LAlearning
Thu Aug 21, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: New guy with questions about IRA, Roth, 401k
Replies: 9
Views: 1032

Re: Great MarketWatch Article - 13 financial tips to live by

Love Clements. Glad he's back.
Gives a jolt of well needed sarcasm in this world.
by LAlearning
Thu Aug 21, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Great MarketWatch Article - 13 financial tips to live by
Replies: 13
Views: 1898

Re: Buying a home with aluminum wiring?

That is a huge concern and you should replace all the wiring. Watch Holmes on Homes or any demolition show on HGTV to get a sense why.
by LAlearning
Thu Aug 21, 2014 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home with aluminum wiring?
Replies: 73
Views: 4548

Re: which engine and transmission options to choose for Taco

V6 and 5AT.
They are both antiques but the best of the worst options.
by LAlearning
Thu Aug 21, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: which engine and transmission options to choose for Tacoma?
Replies: 25
Views: 916

Re: VTSMX in Roth IRA and Taxable Account

If this is for retirement what about your employer offered plan? Is that maxed yet?
by LAlearning
Tue Aug 19, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: VTSMX in Roth IRA and Taxable Account
Replies: 8
Views: 506

Re: VG recommended portfolio question......bond fund

Because they offer one. You can Google the white paper.
by LAlearning
Tue Aug 19, 2014 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: VG recommended portfolio question......bond fund
Replies: 1
Views: 281

Re: 20 Year Old With 70k to Invest

When you find them, let this board know.
by LAlearning
Mon Aug 18, 2014 9:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20 Year Old With 70k to Invest
Replies: 49
Views: 2474

Re: Dow Jones Index Fund?

Isn't the Dow like 30 companies? Why waste your time?
by LAlearning
Mon Aug 18, 2014 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Dow Jones Index Fund?
Replies: 41
Views: 2167

Re: Monthly Contributions - Asset Allocation

You put in money to keep the AA you want. Usually you don't need to adjust too often, just have to keep an eye on it.
by LAlearning
Sun Aug 17, 2014 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Monthly Contributions - Asset Allocation
Replies: 10
Views: 692

Re: Bond Question

Good thing you only need 2.
by LAlearning
Sun Aug 17, 2014 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Question
Replies: 7
Views: 465

Re: Smartest way to fund new car purchase?

You can afford it, thats not the problem.
The problem I see is dumping 33k into a Toyota Tacoma....surely there must be a used one you like, or even be able to negotiate down that MSRP.

I would even wait for the Chevy Colorado first.....
by LAlearning
Sat Aug 16, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Smartest way to fund new car purchase?
Replies: 20
Views: 1491

Re: Can A Target Date Fund Be Bad For Late Starters?

So you're assuming that because you chose this fund you can never ever change it no matter what the market does for the next 30 years? I don't think that your plan makes sense....
by LAlearning
Sat Aug 16, 2014 4:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can A Target Date Fund Be Bad For Late Starters?
Replies: 5
Views: 714

Re: 401K in American Fund AMCAP A (growth fund)

You just lost 6% of your 401k (assuming you transferred entire amount). Talk about a terrible decision. I would rec you read "asking portfolio questions" sticky then the wiki before you do anything else. You don't need to do more, as less would have been a better option :oops: . Edit: this...
by LAlearning
Thu Aug 14, 2014 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K in American Fund AMCAP A (growth fund)
Replies: 6
Views: 519

Re: Looking for an Advisor

I advise you to rethink your strategy. And no.

Seems you have already gotten the same advice : viewtopic.php?f=1&t=144666&p=2152875#p2152875
by LAlearning
Thu Aug 14, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good Harbor and F-Squared
Replies: 16
Views: 751

Re: Going from W-2 to 1099

Solo 401k leaves option of backdoor rIRA.
by LAlearning
Thu Aug 14, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going from W-2 to 1099
Replies: 27
Views: 1792

Re: Rebalance different asset classes within equities? Fees?

--yes.
--you should try very hard to never pay commissions. Your accounts at Vanguard will be fine, and some 401ks invoke frequency restrictions but not costs.
--you should consider some FI.
by LAlearning
Thu Aug 14, 2014 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalance different asset classes within equities? Fees?
Replies: 10
Views: 613

Re: 401k Disbursement Fee?

You could ask to waive it.

You could also not care and pay it...unless her account is not even worth $50.

Or since you seem to be very bothered by it, do nothing and leave it.
by LAlearning
Thu Aug 14, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Disbursement Fee?
Replies: 6
Views: 385

Re: Roth questions from an MD

I think you've underestimated your CA tax rate...

You need to get rid of other tIRA and that SEP before you consider that road.
by LAlearning
Thu Aug 14, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth questions from an MD
Replies: 28
Views: 2151

Re: Average investor even underperforms cash

Holy.....
My XIRR definitely has a bigger number.....
by LAlearning
Thu Aug 14, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: Average investor even underperforms cash
Replies: 8
Views: 1287

Re: Vanguard Target Date Fund 2025

Nerdicus wrote:That's the thing though. How do you change it. Do you move the fund and buy shares in the target date fund which is 5 years prior?


You sell it and buy the new fund (an exchange).
by LAlearning
Thu Aug 14, 2014 12:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Date Fund 2025
Replies: 7
Views: 658

Re: Lipitor at Costco with Membership

your doc will take you off if you can exercise and change your cholesterol levels. you say it as if it was their choice all along.
by LAlearning
Wed Aug 13, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: [Low cost] Lipitor
Replies: 13
Views: 1556

Re: MacBook Air

I have a 9 year old HP computer that seems to be failing slowly. I have up to date virus protection software ie Norton suite etc and don't visit unsavory sites. Anyway I'm thinking of getting a Mac Airbook laptop with the 13 inch screen, a mouse. I am somewhat computer savvy so the leap to Mac soft...
by LAlearning
Wed Aug 13, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3163

Re: Vanguard Target Date Fund 2025

Yes it will glide on its own.
Yes change it when the next fund in line gets to where you want it.
Depends on if in taxable or not.
by LAlearning
Wed Aug 13, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Date Fund 2025
Replies: 7
Views: 658

Re: Student Loans

Wouldn't take out large loans unless Top 10 school. The demand for lawyers is not there vs. supply (unlike Dr.'s for example).
by LAlearning
Wed Aug 13, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Student Loans
Replies: 32
Views: 3233

Re: Poll: What is your International allocation?

Whatever the TDF are doing these days.
by LAlearning
Sun Aug 10, 2014 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: What is your International allocation?
Replies: 5
Views: 608
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