Search found 936 matches

by LAlearning
Sun Aug 30, 2015 10:29 am
Forum: Personal Finance (Not Investing)
Topic: What to do now--update on drowning in low interest debt
Replies: 15
Views: 1609

Re: What to do now--update on drowning in low interest debt

we are starting to have some extra money. We are unclear as to what to do with it. [...] $5K in 529 for younger one and $27K for older one. $250/month each child. We are about to raise this to at least $500/month. [...] but there's the danger that we may be tempted to replace our older car (which w...
by LAlearning
Sat Aug 29, 2015 9:21 pm
Forum: Investing - Theory, News & General
Topic: Why no diversification benefit for international in this week's crash?
Replies: 90
Views: 8059

Re: Why no diversification benefit for international in this week's crash?

rca1824 wrote:Does anyone understand the cause of this week's crash [...]


:oops:
by LAlearning
Sat Aug 29, 2015 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Have to open up a bond position, but not sure what to buy
Replies: 7
Views: 445

Re: Have to open up a bond position, but not sure what to buy

Vanguard total bond. Not really hard to overthink this.
by LAlearning
Fri Aug 28, 2015 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Joint finances and cash management
Replies: 38
Views: 2830

Re: Joint finances and cash management

Whats yours is hers and whats hers is hers.....thats my wifes favorite.

We have joint checking/saving and all money is in/out of there. She has a checking account, CC in her name, and same with me.
by LAlearning
Thu Aug 27, 2015 10:07 pm
Forum: Investing - Theory, News & General
Topic: Where are John Bogle and Warren Buffett
Replies: 18
Views: 2801

Re: Where are John Bogle and Warren Buffett

Has anyone seen John Bogle and/ or Warren Buffett on tv or seen a current writing since all this volatility in the stock market? It seems strange if they haven`t appeared. In the past the media always seemed to interview them in market trying times. Why should they care? And these times are far fro...
by LAlearning
Thu Aug 27, 2015 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Was about to change from 100% equity to 80%. Now what?
Replies: 71
Views: 7352

Re: Was about to change from 100% equity to 80%. Now what?

bigred77 wrote:3 more model revisions and maybe he/she will conclude that there is no "best" portfolio, only "good enough and suitable for one's personal circumstances" portfolios


And most of us figured that out with just a Boglehead Degree...
by LAlearning
Wed Aug 26, 2015 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Is there a reason why........[problem logging into VG]
Replies: 4
Views: 477

Re: Is there a reason why........

There are many reasons why.....which was it?
by LAlearning
Tue Aug 25, 2015 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Am I saving too much for retirement?
Replies: 46
Views: 6799

Re: Am I saving too much for retirement?

Hoader, you need to hoard a little more.
by LAlearning
Tue Aug 25, 2015 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy individual stocks or stock funds
Replies: 9
Views: 721

Re: Should I buy individual stocks or stock funds

... I know the total market funds are the boring way to invest which is usually the smart way ... So you already know the answer. I was going to write something sarcastic like "only buy the individual stocks that will outperform the market" but I won't. Seriously though, you apparently al...
by LAlearning
Tue Aug 25, 2015 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA losing value....should I exchange?
Replies: 36
Views: 3247

Re: Roth IRA losing value....should I exchange?

I am so happy that you posted this, because I am in the exact same situation (except I maxed out mine and my husband's Roths, so I put in $11,000 total in April). Same account - Vanguard 2050 retirement (VFIFX). It was my first time ever putting money into an investment, so I hope I chose an approp...
by LAlearning
Tue Aug 25, 2015 11:17 am
Forum: Investing - Theory, News & General
Topic: Total Bond Acting Bond Like
Replies: 2
Views: 420

Total Bond Acting Bond Like

So amid the (unreasonable) turmoil yesterday with US and Intl stocks down 3-4% and REITs down 4-5%....Vanguards Total Bond Index/Admiral Fund did literally nothing. 0.00% change.

So people in conclusion, know your funds and why you are in them.

P.S. Anyone else upset the market is back up :greedy?
by LAlearning
Tue Aug 25, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Janus Bond Fund down almost 3% yesterday
Replies: 13
Views: 1852

Re: Janus Bond Fund down almost 3% yesterday

ERguy101 wrote:Bond... Janus Bond.


Ha! +1
by LAlearning
Mon Aug 24, 2015 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: index funds vs ETF's
Replies: 8
Views: 827

Re: index funds vs ETF's

theres a wiki article here you can look up.
by LAlearning
Mon Aug 24, 2015 3:28 pm
Forum: Investing - Theory, News & General
Topic: Who's selling now?
Replies: 63
Views: 6780

Re: Who's selling now?

tennisplyr wrote:So I know that Bogleheads are (probably) not selling during this downturn, but obviously there are many who are. I would liked to know who these people are? Any takers?


the smart and the dumb are selling now.
by LAlearning
Mon Aug 24, 2015 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: What now? Keep holding vs. draw as planned.
Replies: 9
Views: 947

Re: What now? Keep holding vs. draw as planned.

So the market just took a dip. This should be normal/expected except that we have planned to take out a majority of our saving to buy a investment house next month. What should we do now? Postponing the investment or go as planned? A little background. We have about 80K in FGOVX/VOO/a few stocks (n...
by LAlearning
Mon Aug 24, 2015 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocating while the market is moving quickly
Replies: 9
Views: 1124

Re: Reallocating while the market is moving quickly

Agreed. People get crazy here. It's easier to re-balance in bands. I'm probably still off about 1%....but that's within the error of my tolerance.
by LAlearning
Mon Aug 24, 2015 12:23 pm
Forum: Investing - Theory, News & General
Topic: Can anyone help me understand China
Replies: 31
Views: 3835

Re: Can anyone help me understand China

no one has understood China in its history....just look at history!
by LAlearning
Fri Aug 21, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

i bought today. moving on.
now if the next drop can wait 2 weeks for the next paycheck, well be in business....
by LAlearning
Thu Aug 20, 2015 8:57 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

Livesoft hasn't answered....so no one knows.
by LAlearning
Tue Aug 18, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: Good argument for underweighting international stocks?
Replies: 77
Views: 4669

Re: Good argument for underweighting international stocks?

its not rational but its what people do.
by LAlearning
Tue Aug 18, 2015 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Start new Roth or convert traditional to Roth
Replies: 4
Views: 237

Re: Start new Roth or convert traditional to Roth

if you meet income requirements then no. the limit is 5500/person/year split however you like assuming you meet eligibility.
by LAlearning
Mon Aug 17, 2015 2:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 2060 fund 8% cash?
Replies: 9
Views: 1391

Re: Vanguard 2060 fund 8% cash?

Weird. Must be a rebalancing thing?
by LAlearning
Sun Aug 16, 2015 10:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard CFP Annual Portfolio Review - Key Points
Replies: 6
Views: 1204

Re: Vanguard CFP Annual Portfolio Review - Key Points

who knows if their future-cast on returns will be right, but it looks a little rosy....
by LAlearning
Sun Aug 16, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: New Boglehead - Investment Change
Replies: 2
Views: 447

Re: New Boglehead - Investment Change

move old 401k and IRA to current 401k.
move rIRA to Vanguard.
read about "backdoor rIRA" on the wiki if you make too much to directly contribute.
by LAlearning
Sat Aug 15, 2015 1:53 pm
Forum: Investing - Theory, News & General
Topic: End of 30 yr. Bull run on bonds, what now
Replies: 51
Views: 3757

Re: End of 30 yr. Bull run on bonds, what now

You'll find out after 10-20 years. No other way to know.
by LAlearning
Fri Aug 14, 2015 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with my American Funds?
Replies: 28
Views: 1553

Re: What to do with my American Funds?

Get away from your friend....he is anything but.
by LAlearning
Wed Aug 12, 2015 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone else impatient with their car payments?
Replies: 58
Views: 4772

Re: Anyone else impatient with their car payments?

Refinance it...my CU is offering 1.2% APR...
by LAlearning
Tue Aug 11, 2015 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Reallocation
Replies: 1
Views: 94

Re: 401k Reallocation

I'd like to see you try and time that one correct. Don't forget, you have to bet twice.

Good luck.
by LAlearning
Tue Aug 11, 2015 2:56 pm
Forum: Personal Consumer Issues
Topic: My 2013 Subaru Foresting is getting only 15 MPG around city. Is this low?
Replies: 55
Views: 3299

Re: My 2013 Subaru Foresting is getting only 15 MPG around city. Is this low?

I have noticed a significant difference between 87 and 93 octane in some vehicles I've driven. In my older Camry it was consistently ~5mpg difference. But I've also seen some cars that fuel type made no difference. If the vehicle requires 91 and you're using 87 that could be the cause. But driving ...
by LAlearning
Mon Aug 10, 2015 10:51 pm
Forum: Personal Consumer Issues
Topic: My 2013 Subaru Foresting is getting only 15 MPG around city. Is this low?
Replies: 55
Views: 3299

Re: My 2013 Subaru Foresting is getting only 15 MPG around city. Is this low?

Spirit Rider: you should read the consumer reports on myths of fuel economy. You are incorrect on where you buy your gas as well as the air filter.
The rest is fine.
by LAlearning
Mon Aug 10, 2015 10:44 pm
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6412

Re: What is going on out there?

No one said you had to play.
by LAlearning
Mon Aug 10, 2015 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: question on which home to buy
Replies: 3
Views: 372

Re: question on which home to buy

can you live in a house while it is constantly being reno-ed and lacking functionality for years? thats your answer.
by LAlearning
Mon Aug 10, 2015 12:09 pm
Forum: Investing - Theory, News & General
Topic: Random Walk Down Wall Street - Sample Portfolio 2015
Replies: 21
Views: 2244

Re: Random Walk Down Wall Street - Sample Portfolio 2015

55 Years Old - Sample Portfolio STOCKS 55% U.S. - (27%) Developed - (14%) Emerging - (14%) REAL ESTATE 12.5% REIT INDEX FUND BONDS AND BOND SUBSTITUES 27.5% Dividend Growth Stocks - (12.5%) Corporate Bonds - (7.5%) Emerging Market Bonds - (7.5%) CASH 5% If I was 55 (or if my parents portfolio looke...
by LAlearning
Mon Aug 10, 2015 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: TSP, 403b, or both?
Replies: 9
Views: 562

Re: TSP, 403b, or both?

If she truly receives separate matching from each institution, then yes, you should contribute the minimum to each plan to get the full match. Yes, 18K is the total for her per year. You divide it by each plan, not multiply. I would vote TSP unless you also have access. It's such a rare plan with ba...
by LAlearning
Mon Aug 10, 2015 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Coworkers Ignorant to Retirement Savings and Investing
Replies: 41
Views: 4033

Re: Coworkers Ignorant to Retirement Savings and Investing

My previous coworkers were....less than well educated in financial matters. However by being the go to person, I inspired at least one to shore up their financial knowledge that now surpasses most. Therefore, I consider my effort well worth it. I plan to gently try again at my new job. But yes, it's...
by LAlearning
Mon Aug 10, 2015 9:52 am
Forum: Investing - Help with Personal Investments
Topic: 23 y/o - new investments / retirement
Replies: 8
Views: 692

Re: 23 y/o - new investments / retirement

TDF is fine.
No to taxable for retirement until you fill 401k/rIRA.
by LAlearning
Sun Aug 09, 2015 2:24 pm
Forum: Investing - Theory, News & General
Topic: Berkshire and Precision Castparts
Replies: 13
Views: 915

Re: Berkshire and Precision Castparts

Andymoler58 wrote:Because they're part of your index fund


Everything is in my index...your rebuttal means nothing.

Try again, why do we care?
by LAlearning
Sun Aug 09, 2015 11:56 am
Forum: Investing - Theory, News & General
Topic: Berkshire and Precision Castparts
Replies: 13
Views: 915

Re: Berkshire and Precision Castparts

And we care why?
by LAlearning
Sat Aug 08, 2015 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Did a dumb thing [lump summed into market after sitting on cash for years]
Replies: 111
Views: 13031

Re: Did a dumb thing

You should sell and then can learn a lesson about locking in losses.
by LAlearning
Fri Aug 07, 2015 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Current CD rates and online banking
Replies: 54
Views: 5998

Re: Current CD rates and online banking

iono, you can search for them.

yes, within reason.
by LAlearning
Fri Aug 07, 2015 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Get to 2.4 million in 10 years
Replies: 22
Views: 4629

Re: Get to 2.4 million in 10 years

Why are you filing separately? Rarely is that advantageous.
by LAlearning
Fri Aug 07, 2015 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Liquidate portfolio to buy a house?
Replies: 6
Views: 718

Re: Liquidate portfolio to buy a house?

A simple answer would just be, liquidate enough to do 20% down.
Then pay down jumbo rate quickly to get to 1.1MM.
Then re-assess.


Also you really need a 2MM home in SF?.....
by LAlearning
Fri Aug 07, 2015 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened my first ira
Replies: 6
Views: 619

Re: Just opened my first ira

Edit your post: Asking Portfolio Questions. You'll get better answers. - It is not a good fund. I don't know much about USAA, but so far they seem expensive. - Read the Wiki here. All of it. - Would rec you move your rIRA to either Vanguard or Fidelity. - Can't say if Roth is appropriate given you a...

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