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Re: Ex-landlord won't return deposit

I went through this recently. I was renting in VA. The only recourse in that state is small claims court, and no lawyers can be present. Additionally, the court basically just agrees with you and officially says, "Yup, she owes you your deposit back." But they won't throw her in jail or fo...
by M_to_the_G
Mon Dec 08, 2014 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ex-landlord won't return deposit
Replies: 29
Views: 3133

Re: Help with Portfolio Plan

Young, follows the Boglehead advice, has a real emergency fund (and not some weird concoction of investment that he calls an emergency fund), has a reasonable AA plan with a bond position despite his age, and a fed on top of it all? You're not real. You're a troll, admit it. :) Seriously, though, ku...
by M_to_the_G
Sat Dec 06, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Portfolio Plan
Replies: 7
Views: 834

Re: Bogle Advises Investing No More Than 20% Outside U.S.

On this issue, I trust Jack Bogle more than the current thinking at Vanguard. My allocation to international stocks is at 20%.
by M_to_the_G
Sat Dec 06, 2014 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 11573

Re: Emergency Funds

The difference is in the goals and thus the strategy for each. They are fundamentally different pots. The goal of having money invested is for retirement (or whatever purpose). The goal of having an emergency fund is to have immediately-available liquid money that can cover six months to one year o...
by M_to_the_G
Wed Dec 03, 2014 8:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Funds
Replies: 33
Views: 3382

Re: portfolio question: All TR funds or individual funds?

Target date funds are fine. Those of us who mix-and-match have decided that we know enough to know how to create a portfolio with very specific asset allocations at the lowest possible costs. It's a little more work, but it's worth it to us. But most of us could probably just as easily pick a good l...
by M_to_the_G
Tue Dec 02, 2014 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: portfolio question: All TR funds or individual funds?
Replies: 9
Views: 1068

Re: Emergency Funds

The difference is in the goals and thus the strategy for each. They are fundamentally different pots. The goal of having money invested is for retirement (or whatever purpose). The goal of having an emergency fund is to have immediately-available liquid money that can cover six months to one year of...
by M_to_the_G
Tue Dec 02, 2014 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Emergency Funds
Replies: 33
Views: 3382

Re: New AA [Asset Allocation]

Contributed $11,000 to my taxable:
$11,000 VTIAX

Updated (but not rebalanced) today.
by M_to_the_G
Tue Dec 02, 2014 10:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: New AA [Asset Allocation]
Replies: 16
Views: 2113

Re: Newbie - Please critique my portfolio - suggestions welc

Nothing new to add to comments already made, but I think it's worth reiterating: 6 months of emergency savings and pay off the car loan. Come back when this is completed, and let us celebrate with you. :beer
by M_to_the_G
Thu Aug 28, 2014 9:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Please critique my portfolio - suggestions welcome
Replies: 14
Views: 1544

Re: A financial “guru” for world travelers?

Besides, people like that are often even less interesting than the khaki-clad business guys. Just a hunch but I think that trader keeps wandering in order to stay ahead of Interpol. Some real gems here. :D Keep 'em coming! Haha! Ok, so the consensus is that this is completely baloney and essentiall...
by M_to_the_G
Tue Aug 12, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: A financial “guru” for world travelers?
Replies: 18
Views: 2098

Re: Dave Ramsey still defending 12% and still angry at "nerd

DR's followers become apologists (such as yourself) and meanwhile he makes a mint. [OT comment removed by admin LadyGeek] Which is why it is a very apt term to use here. I think there's nothing else to see here, folks. I suspect that these people are defending David Ramsey for reasons that go much,...
by M_to_the_G
Mon Aug 11, 2014 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 23811

A financial “guru” for world travelers?

In my years of overseas travel as a young adult, plus my years in the Foreign Service, I’ve run across a lot of global travelers -- often the colorful, adventurous, personable, and hopelessly directionless type. They wouldn’t have it any other way… and maybe I wouldn’t have them any other way. I’d m...
by M_to_the_G
Mon Aug 11, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: A financial “guru” for world travelers?
Replies: 18
Views: 2098

Re: Dave Ramsey still defending 12% and still angry at "nerd

This is a straw man. It's already been established earlier in this thread by Nisiprius that 12% is possible. ETA: This also actually supports my Example 2, above. When a bear market hits, the average investor is more likely to stay "in the market" (and earn the returns of the market) with...
by M_to_the_G
Mon Aug 11, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 23811

Re: Dave Ramsey still defending 12% and still angry at "nerd

Sorry, but good deeds leading up to a royal fleecing is not 9/10ths of anything. If his investment advice was better and not completely self-serving then it would be hard to argue. BTW, how exactly is Dave Ramsey out there with his boots on? As far as I can tell he does a radio show and a number of...
by M_to_the_G
Mon Aug 11, 2014 12:01 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 23811

Re: Dave Ramsey still defending 12% and still angry at "nerd

Its just crazy... next thing you know, the founder of one of the largest fund companies in the world is going to talk about how they are there to help the little guy, and yet profit off of that very same advice... the outrage! Vanguard is mutualized. Further, Jack Bogle's net worth is in the low 8 ...
by M_to_the_G
Mon Aug 11, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 23811

Re: Dave Ramsey still defending 12% and still angry at "nerd

End of discussion. +1^^ My thread has been hijacked and has lost all utility at this point. Would a mod please consider closing this? Neither the bizarre "jocks" vs "nerds" metaphor or "Sergeant Vs. Recruit" dialogue, nor the perplexing movie references ("Karate K...
by M_to_the_G
Mon Aug 11, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 23811

Re: Purchasing Original Abstract Art

Do you like it enough to justify the cost, and is it so much that it will cause you hardship? That's really the only question if you're buying for pleasure. If you see something that just speaks to you and you pass it up, you might regret it. I've done that on many occasions due to being a bit of a ...
by M_to_the_G
Mon Aug 11, 2014 1:40 am
 
Forum: Personal Consumer Issues
Topic: Purchasing Original Abstract Art
Replies: 9
Views: 757

Excellent video series!

I stumbled across this gem very recently: http://www.youtube.com/user/RetirementInvesting/videos It is a series of very short and very easily digestible videos (most are less than 2 minutes long) of Jay Vivian, Burton Malkiel, or Charles Ellis making a point about retirement investing. There are 43 ...
by M_to_the_G
Sun Aug 10, 2014 6:22 am
 
Forum: Investing - Theory, News & General
Topic: Excellent video series!
Replies: 0
Views: 495

Re: Dave Ramsey still defending 12% and still angry at "nerd

See, the thing is, on this excellent forum, there are members who will wrangle to the death about an invisible-to-the-naked-eye percentage point in an expense ratio Ivygirl, I think you should watch this video (also anyone thinking along the same lines): Charles D. Ellis: Why Mutual Fund Fees of 1%...
by M_to_the_G
Sun Aug 10, 2014 6:03 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 23811

Re: New to BH, looking for AA advice

I'd pay off the student loans as quickly as possible. An instant, guaranteed 4.25% return is a very good deal, plus you'd have the added peace of mind of having that monkey off your back. It makes a lot of sense to pay that loan off and not just make the minimum payments.
by M_to_the_G
Fri Aug 08, 2014 8:30 am
 
Forum: Investing - Help with Personal Investments
Topic: New to BH, looking for AA advice
Replies: 7
Views: 669

Re: Roth IRA with Vanguard

dickenjb wrote:Can't answer the question as we don't know what the rest of your portfolio looks like.


^this. Can you edit your OP in this format? --> viewtopic.php?f=1&t=6212
by M_to_the_G
Fri Aug 08, 2014 8:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA with Vanguard
Replies: 9
Views: 1059

Re: Lump sum of 97k vs 830 monthly

Take the monthly. They offer the fabulous lump-sum option for a reason, and it has nothing to do with what's best for you.
by M_to_the_G
Fri Aug 08, 2014 8:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum of 97k vs 830 monthly
Replies: 11
Views: 1418

Re: Moderately young investor seeking moderate factor tilts

... we need a higher expected return. For this reason ... I’ve put together a fairly aggressive portfolio with a moderate factor tilt. Everybody needs a higher return. The reason why Bogleheads don't chase that higher return is because of the associated risks and the fact that 9 out of 10 professio...
by M_to_the_G
Wed Aug 06, 2014 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moderately young investor seeking moderate factor tilts
Replies: 20
Views: 1781

Re: When is a 3.75% load worth it?

The mantra around here of stay the course...guess what that course is based on? Past performance. Methinks thou hast not read the widely-available literature. The course is based on principles, rooted in research and theories on the way that markets and investors behave. Those of us who accept this...
by M_to_the_G
Wed Aug 06, 2014 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5684

Re: Eating while travelling [Food Budget]

It takes a little planning and work, but you can usually eat cheap while on vacation, even in relatively-expensive places. I spent a week on Kauai with a friend a few years back, and we would buy bread rolls, butter, and cheese in the evening and keep it all in the hotel room minibar fridge. That wa...
by M_to_the_G
Wed Aug 06, 2014 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Eating while travelling [Food Budget]
Replies: 26
Views: 2194

Re: Yet another 401k asset allocation question

Johm221122 wrote:You have great options
Total market index(fsktx)63%
Total bond index(fxstx)12%
Total international index(fspnx)25%

John


+1. Fantastic options.
by M_to_the_G
Tue Aug 05, 2014 2:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Yet another 401k asset allocation question
Replies: 9
Views: 615

Re: International investing. A good call by our mentor.

I'm late to this discussion, but my contribution will be from another discussion : +1 Nothing I have ever read or heard from John Bogle's has led me to believe anything but the following : his statements about international investing is a simple question of his philosophy, willingness, need and tol...
by M_to_the_G
Mon Aug 04, 2014 1:07 am
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 13075

Re: Best way to earn a pension

In any case, just like in investing we focus on total return and not mainly dividends, I would look at total compensation and not mainly DB plan when looking at jobs. True, but nobody should be downplaying the power and value of a DB plan. It is simply huge, no matter how you look at it. Imagine yo...
by M_to_the_G
Sat Aug 02, 2014 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 5253

Re: Best way to earn a pension

Let me plug for the Foreign Service and say that our doctors are among the happiest in the medical profession. They get to travel the world; work for small, intimate, highly-professional communities of Americans abroad; and get the extreme satisfaction of playing a role in our foreign policy machine...
by M_to_the_G
Sat Aug 02, 2014 4:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to earn a pension
Replies: 38
Views: 5253

Re: Clean investing in a single stock

Tesla? What's that? Oh, my goodness... I just looked it up. Why, how did you ever hear about that? I can't believe the world hasn't picked up on this. But goodness, now so many of us know! Aren't you worried we'll all have the same idea. Oh... wait... ... yeah, I've been reading the news lately, too...
by M_to_the_G
Sat Aug 02, 2014 3:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Clean investing in a single stock
Replies: 28
Views: 3242

Re: Investing Help [Changing Jobs 401k]

Yeah...I agree the credit card needs to go. I'll have $40k in my 401k as well as a pension cash out. The 401k is with fidelity and I am thinking it would be best to roll over to a IRA so that I can use that to invest in some vanguard stocks. If I decide to go this route, should I keep the IRA with ...
by M_to_the_G
Thu Jul 31, 2014 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Help [Changing Jobs 401k]
Replies: 14
Views: 601

Re: Do any boggleheads invest in individual companies?

Nope, not a single one. And my portfolio is 80/20. 8-)
by M_to_the_G
Thu Jul 31, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Do any boggleheads invest in individual companies?
Replies: 95
Views: 6192

Re: Investing Help

Whoa... yeah. I'd take that 10k and pay off that credit card debt immediately (as in today).
by M_to_the_G
Thu Jul 31, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing Help [Changing Jobs 401k]
Replies: 14
Views: 601

Re: International investing. A good call by our mentor.

Mr. Bogle made a very good argument 15 years ago, and if you read that chapter in Common Sense, you will understand why. I believe he feels the same way today and has not changed his tune. Accordingly, I have allocated 20% of my portfolio to international stocks, and I ignore Vanguard's current advi...
by M_to_the_G
Thu Jul 31, 2014 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 13075

Dave Ramsey still defending 12% and still angry at "nerds"

http://www.youtube.com/watch?v=mHkXjEOQ7aU&list=UU7eBNeDW1GQf2NJQ6G6gAxw Dave Ramsey apparently still gets very angry when questioned about his “12%” assertions, even in mid-2014. For one, he’s wrong, so I don’t see why he is sticking to his guns about 12%. I realize that the subject of Dave Ram...
by M_to_the_G
Thu Jul 31, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 23811

Re: Grad school decision - Help requested

A Master's degree in "Critical Theory and Creative Research" of Art for $47,000? I'll teach you the same thing for only $10,000. We'll do it by correspondence, so you'll be free to do other stuff with 90% of your time. Full disclosure: I am not an accredited institution of higher learning,...
by M_to_the_G
Thu Jul 31, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Grad school decision - Help requested
Replies: 25
Views: 2434

Re: Investing Help

Can you edit your above post, per these guidelines (viewtopic.php?f=1&t=6212)? That will help in answering any questions you have.
by M_to_the_G
Thu Jul 31, 2014 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing Help [Changing Jobs 401k]
Replies: 14
Views: 601

Re: Where to put money after maxing out 401k

definitely a Roth (or conversion) at first. You have high income, and since you are saving a lot (congrats for living below your means!), taxable is the next step. Just open an account at Vanguard or Fidelity and buy those great low-cost index options. But before you can do that (and frankly before ...
by M_to_the_G
Wed Jul 30, 2014 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to put money after maxing out 401k
Replies: 7
Views: 964

Backdoor Roth question

So I had a conversation with a fellow Fed the other day, in which I outlined to him my plan to contribute $5,500 to a Traditional IRA next year if my income is over the limit (I am mid-level and he is senior-level, and we are both in Baghdad and thus making war zone pay, so that is a risk), and then...
by M_to_the_G
Tue Jul 29, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth question
Replies: 4
Views: 421

Re: CSRS and SS, check my logic

The prettiest-sitting Feds are those who joined pre-1983, did not take the bait when the government offered them the "fabulous" option of switching to FERS, AND maxed out their TSPs (without match). I know a few... sittin' very pretty. :) Alas, I joined in 2008...
by M_to_the_G
Tue Jul 29, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: CSRS and SS, check my logic
Replies: 26
Views: 1663

Re: Goodbye and Good Luck!

banned three times... wha? huh? stayed too long trying to pay it forward? refocus energies on something other then personal finance?

I don't get it...
by M_to_the_G
Tue Jul 29, 2014 6:36 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Goodbye and Good Luck!
Replies: 12
Views: 2745

Re: Old people and financial advisors - a family tale

For those advising that I do a little more digging into this advisor and the details of what he’s done with my great uncle’s money, etc., I want you to understand what happened and what information I have to work with. For one, the “review” of his account happened in a flash, and I wasn’t expecting ...
by M_to_the_G
Mon Jul 28, 2014 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 5951

Re: help with inherited IRA

My mother left me an inherited Roth IRA when she passed away. It wasn't much, at all, but I decided to leave it in the inherited Roth IRA for all the benefits. I include in in my total portfolio picture and have it invested accordingly. Given how young I am and how small the account is, the RMDs are...
by M_to_the_G
Sun Jul 27, 2014 5:54 am
 
Forum: Investing - Help with Personal Investments
Topic: help with inherited IRA
Replies: 8
Views: 927

Re: Have a million to transfer, thinking of doing 100% stock

I recently read Malkiel and Ellis' book, "The Elements of Investing," in which one of them advises a bond position during the accumulation phase, and the other advises zero bond position. Either way, you'll be fine, OP. Personally, I am 34 and doing an 80/20 portfolio. You'll find many adv...
by M_to_the_G
Sun Jul 27, 2014 5:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Have a million to transfer, thinking of doing 100% stocks
Replies: 38
Views: 4196

Re: How Should I Manage My 401k?

Welcome to Bogleheads. If you're looking for a conventional, default Boglehead portfolio, then this is a good place to start: US Stocks - replicates total US stock market 40% Northern Trust CL S&P 500 Index 10% SSGA Russell Small Cap International Stock - developed and emerging markets 22% Blac...
by M_to_the_G
Sun Jul 27, 2014 5:35 am
 
Forum: Investing - Help with Personal Investments
Topic: How Should I Manage My 401k?
Replies: 7
Views: 767

Re: Old people and financial advisors - a family tale

@M_to_the_G. I'm just curious about something. Does he repeat himself verbatim frequently? Maybe tell the same story several times in exactly the same way in the course of a half hour or so? No, he does not do that. I think some others above got it right: he's just a bit lonely, depressed, and frig...
by M_to_the_G
Sun Jul 27, 2014 4:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 5951

Re: I have access to a military TSP...worth it?

Do any of you have experience with a TSP account? I am a fed. Right now I am debating how to allocate the $17,500 the IRS permits us to place in tax deferred accounts. Should I max out my IRA and Roth IRA before contributing to my TSP, or should I dedicate more to the TSP? The TSP is the envy of al...
by M_to_the_G
Sun Jul 27, 2014 4:43 am
 
Forum: Investing - Help with Personal Investments
Topic: I have access to a military TSP...worth it?
Replies: 13
Views: 1160

Re: Old people and financial advisors - a family tale

Does Vanguard do house calls or interventions? That would be ideal if I could go with a pro to reassure him that everything would go smoothly, and they could hold his hand and explain how it's in his interest.
by M_to_the_G
Sat Jul 26, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 5951

Re: Old people and financial advisors - a family tale

Any chance you could have his brother go visit him? If you are referring to my grandfather, he's long gone. My great uncle is the baby of eight kids. The only other living sibling is his older sister in California, who is currently eating cat food and raving about aliens and barricades herself in h...
by M_to_the_G
Sat Jul 26, 2014 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 5951

Re: Old people and financial advisors - a family tale

livesoft, I wish I could do something about it, but what can I do? As I mentioned, I think my great uncle might distrust me more than he distrusts the advisor. So that's what I'm working with. And I only got a quick look at his paperwork; I can't prove anything, and I'm not sure he'd even let me see...
by M_to_the_G
Sat Jul 26, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 5951

Re: Old people and financial advisors - a family tale

I never thought to offer my great uncle a book. I don't think he's done much reading in his life, and I'm not sure he would now. Him and my great aunt were two working class high school graduates who never made much money (he was a boiler repairman and she was a secretary), but they worked very hard...
by M_to_the_G
Sat Jul 26, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old people and financial advisors - a family tale
Replies: 75
Views: 5951
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