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Re: favorite bogleheads posts?

Anything with "NAV DROPPED" or "VALUE DROPPED ON MARKET HIGH." Caps usually always included.

They just make me smile.
by LAlearning
Thu Jul 24, 2014 11:28 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 23
Views: 1425

Re: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)

Would not get the ILX base.
Only would get for the 2.4L 6MT.

Go for the civic at that price/options difference.
by LAlearning
Wed Jul 23, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: 2014 Honda Civic EX-L vs 2014 Acura ILX(Base)
Replies: 28
Views: 1382

Re: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000

14K obviously.

More shares for when it gets to 20k....
by LAlearning
Wed Jul 23, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Which Happens First - DOW > 20,000 or DOW < 14,000?
Replies: 32
Views: 2519

Re: Android smartphone with physical keyboard

The market has demanded slim phones with touch interface. Why can't you type on a screen? Saying you absolutely cannot implies you have no fingers...... There are a multitude of aftermarket keyboards (Swype comes to mind) that makes touch typing extremely fast. Go out and test drive a few before you...
by LAlearning
Tue Jul 22, 2014 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 35
Views: 1366

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

50:50

When I retire I still won't care where my assets are, but I will care about how I draw them down.
by LAlearning
Tue Jul 22, 2014 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 76
Views: 3257

Re: Susie Orman says buy individual Munis instead of Bond fu

She says a lot of things, such as having a lot of money.
by LAlearning
Tue Jul 22, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Susie Orman says buy individual Munis instead of Bond funds
Replies: 15
Views: 2735

Re: Buying in ok neighborhood vs good neighborhood

Did you look at the local Megan's Law inhabitants?
by LAlearning
Tue Jul 22, 2014 2:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying in ok neighborhood vs good neighborhood
Replies: 27
Views: 1655

Re: Help with a retiring parent's portfolio

Desired Asset allocation: 75% stocks / 25% bonds (as per the Trinity Study: http://www.bogleheads.org/wiki/Trinity_study_update) --Is your parent comfortable with this? Seems a little risky for 5 years away from retirement. Current value: mid six-figures Current retirement assets: -Taxable 09% Pion...
by LAlearning
Sun Jul 20, 2014 4:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with a retiring parent's portfolio
Replies: 5
Views: 895

Re: What should I invest in 401k?

Asking Portfolio Questions.

Please edit your above post.
Cannot make recs re: trad v. roth 401k without marginal tax rate.
Do you have other accounts?
etc, etc, etc
by LAlearning
Sat Jul 19, 2014 4:18 am
 
Forum: Investing - Help with Personal Investments
Topic: What should I invest in 401k?
Replies: 5
Views: 631

Re: Please approve my asset allocation!

Do you have access to an employer sponsored plan?
by LAlearning
Fri Jul 18, 2014 12:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Please approve my asset allocation!
Replies: 16
Views: 1029

Re: Live URL links in seemingly genuine Vanguard emails?

Never click the links.

Did you initiate a transaction that caused you to receive an email?
by LAlearning
Tue Jul 15, 2014 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Live URL links in seemingly genuine Vanguard emails?
Replies: 11
Views: 860

Re: How Much House Should I Buy?

Nebster wrote:Okay, I just went and looked at your 'hood. Those prices are sick.


Welcome to the West Side.
by LAlearning
Tue Jul 15, 2014 3:22 am
 
Forum: Personal Finance (Not Investing)
Topic: How Much House Should I Buy?
Replies: 81
Views: 4380

Re: In a crash, will you re-balance to maintain your target

I pay Vanguard to do it. So yes.

LS and TDF.
by LAlearning
Tue Jul 15, 2014 12:10 am
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4120

Re: New Investor with Class A fund blues

It's a mistake. Bigger have been made.

Screwed? Yes.

Wait....after all of this feeling you want to stay in these funds, and know that each and every time you want to add money pay again.....and the ongoing ER%?

Call it "tuition". Get out.

Asking Portfolio Questions.
by LAlearning
Tue Jul 15, 2014 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor with Class A fund blues
Replies: 31
Views: 2041

Re: Question about managed account

You are happy that you got (per your example) a 6% return. The rest of us here got 8%.

It is not the only fee. It is bad.

Asking Portfolio Questions.
by LAlearning
Mon Jul 14, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question about managed account
Replies: 17
Views: 1348

Re: Financial Times Article on Vanguard.

You are free to rush out.
The market will never be 100% indexed. Capitalism is too strong a pull :twisted:

You can peruse these and Google for other topics.
https://www.google.com/search?hl=en&saf ... eheads.org
by LAlearning
Mon Jul 14, 2014 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Times Article on Vanguard.
Replies: 12
Views: 2583

Re: How Much House Should I Buy?

I live in LA. I agree, its nuts right now. Altadena has 1300sq ft shacks going for ~1MM. Not updated or anything. Le sigh. I say go for it. If you are set on the West Side, you're going to stay at your jobs for >10 years, and you make bank....that is what money is for I guess. You can do the math an...
by LAlearning
Mon Jul 14, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much House Should I Buy?
Replies: 81
Views: 4380

Re: Financial Times Article on Vanguard.

Thanks for the article,,,,This drew my attention when reading :happy "The group, the world’s third largest with $2.1tn of assets under management, has consistently ranked in the top 10 for inflows in the US over the past 10-15 years, says Michael Rawson, analyst at Morningstar, but in the last...
by LAlearning
Mon Jul 14, 2014 6:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Times Article on Vanguard.
Replies: 12
Views: 2583

Re: New guy, portfolio check up

Heed the advice above. My only input is re: admiral shares. Whatever you do will be fine as you are young. 90:10, 10:90, whatever. Just understand the difference in ER% you are fretting over amounts to dollars on the year. The international fund is a 0.08% difference. That's 0.0008 x your value/year...
by LAlearning
Mon Jul 14, 2014 6:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: New guy, portfolio check up
Replies: 16
Views: 1925

Re: Help with fund picks for a new guy.

If you would like an in depth personal finance consultation from this board, please edit your first post: Asking Portfolio Questions . Re: Dave Ramsey -Budget advice is fine. -Investing advice is deadly. -There are >7000 mutual funds to choose from. Please find the ones guaranteed to deliver 12% ret...
by LAlearning
Mon Jul 14, 2014 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with fund picks for a new guy.
Replies: 19
Views: 1746

Re: Newbie whole life insurance policy question

:oops: :shock: :oops: :shock: Indeed. You do realize 18 months x 223 = 4K. And the benefit is 1K now? How great for you. Drop it. Cut ties with your, ahem, adviser. Tell him you don't need to fund the upkeep on his boat, or something. Physician? Or just great income? Either way this blog should be h...
by LAlearning
Mon Jul 14, 2014 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie whole life insurance policy question
Replies: 30
Views: 2297

Re: Should I stop investing in my Vanguard IRA?

The question is are you claiming these "rollover after tax" contributions on your tax forms, thus not making them after-tax. If you are not claiming them, then yes stop. You are putting in after tax money (taxed x1) that will be taxed in retirement (tax x2). Not a good deal usually. If you...
by LAlearning
Mon Jul 14, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I stop investing in my Vanguard IRA?
Replies: 20
Views: 2266

Re: Rebalancing Question for Portfolio

Get rid of Emerging Market and Extended Market. Thats about 6-7% right there. Problem solved.

I don't think it matters what bond fund you add too. Whichever one is in the account of the stocks you sell I guess.

But since that info is not given, I cannot say.
by LAlearning
Sun Jul 13, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Question for Portfolio
Replies: 17
Views: 939

Re: But why not 100% stock index fund?

:oops: 100% of anything is usually not the best. Not saying you have to have a lot of fixed income, but it's purpose is not to provide returns. It provides decreased volatility, ballast, and something to re-balance out of. By using it strategically, you can come out ahead of 100% S&P. (hint, loo...
by LAlearning
Sun Jul 13, 2014 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7010

Re: Investing is starting to get boring

Ha that link is amazing.

Why don't you increase your REIT holdings? Add some spice back to your life...
by LAlearning
Sun Jul 13, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 3859

Re: Birthday gift for a 10 year old girl

:oops:

How about a book? Or a trip to the aquarium?
by LAlearning
Sun Jul 13, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: Birthday gift for a 10 year old girl
Replies: 28
Views: 1435

Re: Portfolio Allocation and 401k questions

I would go 90% S&P, and 10% either Vanguard Long term or Dodge/Cox Income. The later is closer to TBM, and for personal reasons long term bonds just rub me the wrong way. At 10% of a few grand, I doubt either direction will amount to much. And yes given NYC taxes I would just focus on the 401k f...
by LAlearning
Sat Jul 12, 2014 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation and 401k questions
Replies: 26
Views: 1967

Re: Mimimize expenses vs. Maximize Roth contribution

Can you move it to your new employer?

I would leave it if you cant.
by LAlearning
Fri Jul 11, 2014 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mimimize expenses vs. Maximize Roth contribution
Replies: 13
Views: 1225

Re: Vanguard Target Retirement 2055 Fund Investor Shares

Vanguard Target Retirement.

The difference in ER% is negligible. We're talking $3-5.....per year.

Plus with only 5-10K you cannot build the same TDF anyways.
by LAlearning
Fri Jul 11, 2014 1:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund Investor Shares
Replies: 14
Views: 1436

Re: Karen, single, 61, $2 million.

What was his suggestion?
by LAlearning
Fri Jul 11, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Karen, single, 61, $2 million.
Replies: 35
Views: 3696

Re: Kiplinger: Why You Should Avoid Most Bond Index Funds

That really was a terrible article.
by LAlearning
Thu Jul 10, 2014 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: Kiplinger: Why You Should Avoid Most Bond Index Funds
Replies: 32
Views: 6373

Re: Please help go over my 401(k) options

Desired Asset allocation: 85% stocks / 15% bonds Desired International allocation: 10% of stocks Large Company: 57% Schwab 1000 Index Fund (0.29%) Small: 15% Vanguard Small Cap Index Admrl (0.09%) Intl/Global: 13% Vanguard TOT Intl STK IDX ADM (0.14%) Bonds: 15% Vanguard TTL Bond MKT IDX ADM (0.08%...
by LAlearning
Wed Jul 09, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help go over my 401(k) options
Replies: 9
Views: 743

Re: Is Market on "Wrong Side of History"?

lawman3966 wrote: I confess that the linked article gave me some concern.


I don't know who that is. So no.

Back to trying to determine the spread of Germany v. Argentina.
by LAlearning
Wed Jul 09, 2014 11:07 pm
 
Forum: Investing - Theory, News & General
Topic: Is Market on "Wrong Side of History"?
Replies: 22
Views: 2693

Re: Post your Morningstar Box Style

22-23-23
07-08-07
04-04-03

75:25 with 30% Intl.
ER 0.15%
by LAlearning
Wed Jul 09, 2014 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Post your Morningstar Box Style
Replies: 25
Views: 2043

Re: List of Worst financial advice (what not to do):

Maxxing out my 401k contribution percentage, so it maxed out the total annual contribution around August. I left significant employer match on the table over several years. Sadly that was my advice to myself. Fortunately not as impacting most other items on this thread. Please explain how you misse...
by LAlearning
Wed Jul 09, 2014 7:29 am
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 131
Views: 14535

Re: Why not include gold?

This has been discussed before. You can search the forum on the top right. As I understand it, gold's long term return = inflation. So pass. There are small periods of higher performance, but as Warren Buffett says " You can fondle the cube, but it will not respond". You can google why he ...
by LAlearning
Wed Jul 09, 2014 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not include gold?
Replies: 48
Views: 3746

Re: What octane gas do you use to fill your car?

I drive a Lexus ES 330 as a commute car everyday, and usually fill it with 87 gas, which gives me close to 24 mpg. Last time when I filled it, I accidentally picked up a 91 pump. I am now pleasantly surprised by a 28 mpg reading. The price difference is 10%, but the mpg improvement is better than 1...
by LAlearning
Wed Jul 09, 2014 2:24 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 76
Views: 5321

Re: How many veteran investor have LARGE MAJORITY in three-f

The majority is 3 fund. There are of course limitations with work plans, smattering of REITs, etc.
by LAlearning
Wed Jul 09, 2014 12:51 am
 
Forum: Investing - Theory, News & General
Topic: How many veteran investor have LARGE MAJORITY in three-fund?
Replies: 56
Views: 3803

Re: New Member/Advice

All depends on time frame. From what it sounds like marriage in 2-3 years with a house at the same time or shortly thereafter correct? So saving in safe assets will be needed: CDs, IBonds (10k/yr/each), and short term bond funds. Then if your looking 5-10 years or more out consider a smidge (like 10...
by LAlearning
Tue Jul 08, 2014 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Member/Advice
Replies: 7
Views: 475

Re: List of Worst financial advice (what not to do):

Busting Myths wrote:Tap into half of your cash reserves to pay for a $45k wedding and hope your taxable investments do not tank before you need the money for a down on a house payment. As read on a current Boglehead thread.


+1
by LAlearning
Tue Jul 08, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 131
Views: 14535

Re: In Which Theories Should I Have Confidence?

Analysis paralysis.

Just gotta get started...
by LAlearning
Mon Jul 07, 2014 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: In Which Theories Should I Have Confidence?
Replies: 43
Views: 4213

Re: Market Timing Predictions Thread

I predict it will fluctuate.

Now what have I won?
by LAlearning
Fri Jun 20, 2014 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: Market Timing Predictions Thread
Replies: 30
Views: 1802

Re: S&P 500 increased... my daily balance decreased?

It's true , I'm a ribber.

Ask away, it's how I learned :oops: .

This also won't be the last thread on this (*squeeee*).
by LAlearning
Fri Jun 20, 2014 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 increased... my daily balance decreased?
Replies: 28
Views: 2563

Re: S&P 500 increased... my daily balance decreased?

sscritic wrote:It's his first post. Give him a break. Wait for someone with 1000 posts who doesn't know about dividends, then pile on.


Ok. Break given.

[OT comment removed by admin LadyGeek]
by LAlearning
Fri Jun 20, 2014 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 increased... my daily balance decreased?
Replies: 28
Views: 2563
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