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Re: Need a new all in one printer

+1 for brother.
by M_to_the_G
Tue Feb 11, 2014 11:16 pm
 
Forum: Personal Consumer Issues
Topic: Need a new all in one printer
Replies: 49
Views: 2572

Re: 10k to invest

I'd put it in a credit union money market account and use it to start an emergency fund if you don't already have one. While you're in college, cars can break down, etc., etc. If you already have an emergency fund, I'd say use the whole thing to start a Roth IRA: $5,500 for last year and $4,500 for ...
by M_to_the_G
Tue Jan 14, 2014 1:12 am
 
Forum: Investing - Help with Personal Investments
Topic: 10k to invest
Replies: 27
Views: 1896

Re: NYT Article: You can't take it with you ...

Still, I think the story can be easily misconstrued to reaffirm the tendency of Americans to not save enough, armed with "you can't take it with you" and other out-of-context maxims. There aren't a lot of people in this country -- relatively speaking -- who are impulsively hoarding million...
by M_to_the_G
Tue Jan 07, 2014 10:18 pm
 
Forum: Personal Consumer Issues
Topic: NYT Article: You can't take it with you ...
Replies: 22
Views: 3759

Re: NYT Article: You can't take it with you ...

When I graduated from grad school, I was broke. I told myself that if I ever had a fabulous sum of money, say $2,000, I would take half of that and go on a nice vacation to Europe or something. Then when I started working and earned that first $2,000, I "realized" how precarious my situati...
by M_to_the_G
Tue Jan 07, 2014 8:55 pm
 
Forum: Personal Consumer Issues
Topic: NYT Article: You can't take it with you ...
Replies: 22
Views: 3759

Re: Should I be investing in stocks?

Of course you can. What is stopping you? I max out my tax-advantaged space *and* contribute a significant amount to my taxable account at Vanguard. I own tons of stocks in both taxable and tax-advantaged. Are you referring to stock-picking (buying individual stocks)? Most Bogleheads avoid that.
by M_to_the_G
Sat Jan 04, 2014 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I be investing in stocks?
Replies: 15
Views: 1419

Re: Non-retirees: Envisioning Retirement

I am 34. I plan to retire at 50, so I have sixteen years to go. I must admit, I have no idea what retirement will look like. I don't know where I'll be or what I'll be doing. I don't know if I'll enjoy having no structure. I don't know if sleeping in every day will get old. Heck, I don't even know i...
by M_to_the_G
Fri Jan 03, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Non-retirees: Envisioning Retirement
Replies: 62
Views: 4612

Re: Have any of you dollar cost averaged in over 5 years

I haven't. I opened my taxable last year and lump-summed $70k. I lump sum my Roth every January 1. When I get $5,000 or so in excess cash in the bank, I lump-sum it.
by M_to_the_G
Fri Jan 03, 2014 11:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Have any of you dollar cost averaged in over 5 years
Replies: 38
Views: 2373

Re: Invest all at once or DCA-one of most asked questions I

So, lump sum if you have the stomach for it? I do. :D
by M_to_the_G
Fri Jan 03, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Invest all at once or DCA-one of most asked questions I get
Replies: 125
Views: 5573

Re: New AA

Contributed $5,500 to my Roth IRA for 2014:
$4,000 VGSLX
$1,500 VFIAX

Contributed $10,500 to my taxable:
$6,000 VTIAX
$4,500 VTSAX

Updated and rebalanced today.
by M_to_the_G
Fri Jan 03, 2014 6:56 am
 
Forum: Investing - Help with Personal Investments
Topic: New AA
Replies: 14
Views: 1601

Re: Desired portfolio size at retirement?

Almost one-third of people here expect over $5,000,000? Oh... never mind... the question was what they desired. :twisted: Can I change my vote?
by M_to_the_G
Wed Jan 01, 2014 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Desired portfolio size at retirement?
Replies: 41
Views: 3477

Re: What are your financial goals for 2014?

to keep on keeping on, and to sock a ton of money into taxable
by M_to_the_G
Tue Dec 31, 2013 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals for 2014?
Replies: 56
Views: 4365

Re: Its Hard Being A Boglehead!!

Hmm... I guess it is a personality thing. I've never had a desire to time the market since I learned the BH way, which isn't even a philosophy or belief, per se... it's just plain logic and common sense. When I was a teenager, I was the one who wouldn't take a dare to walk to the edge of a ledge. I ...
by M_to_the_G
Fri Dec 27, 2013 8:42 am
 
Forum: Investing - Theory, News & General
Topic: Its Hard Being A Boglehead!!
Replies: 62
Views: 4731

Re: Portfolio review please!

Looks simple, elegant, and logical. Cheers! :sharebeer
by M_to_the_G
Wed Dec 18, 2013 6:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review please!
Replies: 3
Views: 417

Re: I'd like to challenge the logic behind a 'disaster fund'

The OP has thought long and hard about this issue, about every possible eventuality under every potential circumstance, and has concluded that he doesn't need an emergency fund. Have you ever seen the movie "Contact?" There's this great scene where Jodie Foster's character is given a cyani...
by M_to_the_G
Wed Dec 04, 2013 11:18 am
 
Forum: Investing - Theory, News & General
Topic: I'd like to challenge the logic behind a 'disaster fund'
Replies: 134
Views: 7225

Re: Is anybody getting out and moving to Cash?

Honestly, I don't think it's that people think they are different or smarter than the market. To the contrary, I think they know better... but lack the maturity and/or the good judgment to do what they know they have to. People exhibit this behavior in every aspect of life. I know very intelligent p...
by M_to_the_G
Sun Dec 01, 2013 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is anybody getting out and moving to Cash?
Replies: 47
Views: 5715

Re: Success Stories of Bogleheads

This forum definitely helped me in several ways: 1. When I found BH, I was searching for answers to a problem: I had cash piling up and was conflicted about what to do with it and needed advice. I was dreading the idea of hiring a financial advisor because I wasn't sure if a financial advisor would ...
by M_to_the_G
Sun Dec 01, 2013 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Success Stories of Bogleheads
Replies: 62
Views: 6417

Re: Converting to Safety Razors

The more exposed blade and complete manual control (with no pivoting head) mean you are completely reliant on your own technique with the wet razor. That means you can make mistakes that cause irritation, bleeding, or insufficient beard removal. But if done right, you will always get a better shave ...
by M_to_the_G
Thu Nov 28, 2013 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 50
Views: 4024

Re: Newbie 401K investment advise - Target Date or index fun

Good, astute questions from OP. :) And excellent responses! OP, moving forward, your goal should be to max out those tax-advantaged spaces (currently $17,500 in the 401(k) and $5,500 in a Roth IRA). Target date funds will be fine. If you find yourself with money accumulating beyond your maxed-out ta...
by M_to_the_G
Thu Nov 28, 2013 5:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Newbie 401K investment advise - Target Date or index funds
Replies: 12
Views: 1290

Re: should my nephew apply to a top-tier university?

He should absolutely apply to an Ivy League school, and if he gets in, he should go, whatever the cost. People saying it's not worth it may be inordinately influenced by their own attitudes toward such things. The reality is that at Harvard (or any other top-10 school) he will meet the brightest, mo...
by M_to_the_G
Thu Nov 28, 2013 4:22 am
 
Forum: Personal Finance (Not Investing)
Topic: should my nephew apply to a top-tier university?
Replies: 274
Views: 11784

Re: Converting to Safety Razors

You will save a ton of money if you switch to wet shaving. That's if you do not develop a product addiction, which seems to be very common among those new to wet shaving: an uncontrollable urge to buy many different soaps, creams, razors, blades, after shaves, etc. I use a Merkur Futur razor and Ast...
by M_to_the_G
Thu Nov 28, 2013 4:00 am
 
Forum: Personal Consumer Issues
Topic: Converting to Safety Razors
Replies: 50
Views: 4024

Re: Casio G-Shock

I wear a Casio G-Shock and love it. One piece of advice: get a solar-powered, multi-band model (6-band is best). The multi-band models have a radio receiver inside that picks up the short wave signal from one of the 6 designated atomic clocks (1 in USA, 1 in UK, 1 in Germany, 2 in Japan, 1 in China)...
by M_to_the_G
Sun Nov 24, 2013 11:55 am
 
Forum: Personal Consumer Issues
Topic: Casio G-Shock
Replies: 22
Views: 1232

Re: How Much Cash Should Your Portfolio Have?

MnD wrote:I have 1.3% cash across all investment accounts unless TSP G Fund counts as cash. In that case it's 21.8%


Same. I am 10% G and 10% F for a 20% "bond" component.
by M_to_the_G
Sun Nov 17, 2013 8:22 am
 
Forum: Investing - Theory, News & General
Topic: How Much Cash Should Your Portfolio Have?
Replies: 44
Views: 6238

Re: Motley Fool: Jack Bogle Answers Your Questions

Like the poster above, I also took note when Bogle started talking about what retired people counting on SS should do: “Stop looking at the silly stock market every day and look at the cash flow they’ve got.” He repeats his statements of earlier this year that there’s value in looking at the capital...
by M_to_the_G
Sun Nov 17, 2013 6:32 am
 
Forum: Investing - Theory, News & General
Topic: Motley Fool: Jack Bogle Answers Your Questions
Replies: 26
Views: 3823

Re: 100 Percent Equity Asset Allocation

I'm 33, and I'm 80/20. That's still a very aggressive portfolio.
by M_to_the_G
Sat Nov 16, 2013 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100 Percent Equity Asset Allocation
Replies: 36
Views: 4422

Re: Do Bogleheads have a number?

+1, goodenyou. Kids change everything. My number was to be retired by 50 with 2 million. That changed. Now I am working still and my number is to make sure my heirs are set for their lives, not just mine. I used to think the same way (about the heirs, children in particular) but i realized that edu...
by M_to_the_G
Fri Nov 15, 2013 1:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads have a number?
Replies: 118
Views: 11416

Re: 23 year old ready to start my investing life.

That's a good idea, just be aware that if you are fully funding your bond-heavy IRA early in the year, then funding your taxable account with its stock allocation, your desired asset allocation of 70/30 or whatever is going to be out of whack most of the year. And this will be even more dramatic ea...
by M_to_the_G
Thu Nov 14, 2013 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 year old ready to start my investing life.
Replies: 40
Views: 4170

Re: Do Bogleheads have a number?

I do. It's $1.5 million, roughly, in all accounts. That, combined with my pension, will get me to my target income goal at my planned retirement age of 50. I am 33 now. I think I can do it.
by M_to_the_G
Sun Nov 10, 2013 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads have a number?
Replies: 118
Views: 11416

Re: Living in Arlington, VA

That whole Ballston-Courthouse-"Clizzle Dizzle" (what the local young people refer to Clarendon as) corridor is great for working in DC and living, generally. Can't go wrong. However, the ultimate experience is to live in DC and work in NOVA. The traffic is empty both ways during rush hour!
by M_to_the_G
Sun Nov 10, 2013 4:36 am
 
Forum: Personal Consumer Issues
Topic: Living in Arlington, VA
Replies: 63
Views: 2741

Re: Tried to get credit report - security questions don't ma

Well, it was time to do my free credit reports again tonight. This time, Experian and Transunion worked fine. This time, it was Equifax that decided to ask me obscure questions about who might have lived in a rental property I inhabited years ago that probably dozens of people have been in and out o...
by M_to_the_G
Sat Nov 09, 2013 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tried to get credit report - security questions don't match
Replies: 54
Views: 8408

Re: Does an allocation less than 5% ever make sense?

Yes, it makes perfect sense if it's incidental and unintentional. For example, international bonds comprise 0.13% of my portfolio because I hold VASGX. :mrgreen:
by M_to_the_G
Sat Nov 09, 2013 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: Does an allocation less than 5% ever make sense?
Replies: 34
Views: 3137

Re: Did you wish you were more aggressive when you were youn

I wish I was smarter in a lot of ways when I was 20. I'm lucky I'm 33 and wised up... at least about this retirement investment stuff. 8-)
by M_to_the_G
Sun Nov 03, 2013 12:55 pm
 
Forum: Investing - Theory, News & General
Topic: Did you wish you were more aggressive when you were younger?
Replies: 47
Views: 4300

Re: Crossed the 300K Retirement Barrier!

Congrats! I'm 33, too, and I'm almost there, too! I should hit 300K sometime next year (thread here).
by M_to_the_G
Sun Nov 03, 2013 12:12 pm
 
Forum: Investing - Theory, News & General
Topic: Crossed the 300K Retirement Barrier!
Replies: 14
Views: 1938

Re: Simple rebalancing calculator?

I just did a rebalance myself ( thread here ). I found myself using the old spreadsheet and calculator, and it took a little bit of work to wrap my head around what I was doing as I have 4 accounts (Roth IRA, inherited Roth, TSP, and taxable) and 9 funds (VASGX, VTIAX, VGSLX, VTSAX, VFIAX, C fund, S...
by M_to_the_G
Sun Nov 03, 2013 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simple rebalancing calculator?
Replies: 6
Views: 589

Re: Feeling like I am forced to contribute more to retiremen

I feel like I'm way ahead of the curve, but there are Bogleheads here with several million in their combined accounts who also are expecting significant inheritances. There are also single mothers here working low-end jobs and dealing with crushing debts just trying to get started. Either way, doesn...
by M_to_the_G
Sun Nov 03, 2013 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Feeling like I am forced to contribute more to retirement?
Replies: 82
Views: 6440

Re: New AA

When I make my first quarterly rebalance after distributions in September, I plan to change my AA from 85/15 to 80/20. I'll do this by going 10% F and 10% G (% of total portfolio) in TSP. This is not part of a glidepath but rather a slight shift in philosophy. Done. Increased G fund holding from 5%...
by M_to_the_G
Sun Nov 03, 2013 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: New AA
Replies: 14
Views: 1601

Re: Why are you trying to save so much money?

Where you live counts for a lot. I can tell you that if I made double that ($30k) in the metro DC area, I'd feel very, very poor. That works out to something like $1,875/month after taxes. If you spend 1/3 of that on rent, that's $625 (and that gets you a run-down studio in the ghetto or a room in a...
by M_to_the_G
Wed Aug 28, 2013 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Why are you trying to save so much money?
Replies: 131
Views: 23064

Re: Why are you trying to save so much money?

It's not true that money buys freedom. Absolute poverty is alleviated at something like $10-15K/year. For most practical purposes, absolute poverty doesn't exist in the USA and other developed countries. What money (above that $10-15K) buys is conspicuous consumption -- it enables you to display re...
by M_to_the_G
Tue Aug 27, 2013 2:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Why are you trying to save so much money?
Replies: 131
Views: 23064

Re: Age 36 - Help with Retirement Portfolio AA

Do you have a 401k through work? Also, the monthly payment of your debts isn't interesting. What is the total amount still owed and interest rate?
by M_to_the_G
Sun Aug 25, 2013 4:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Age 36 - Help with Retirement Portfolio AA
Replies: 4
Views: 659

Re: Investment allocation strategy for a newly married coupl

What does your debt look like, what are your 403b options, and what are your current portfolio size and funds?
by M_to_the_G
Sun Aug 25, 2013 3:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Investment allocation strategy for a newly married couple
Replies: 9
Views: 687

Re: New AA

Just made my first additional contribution. I accumulated $5,000 in the dedicated savings account--in excess income--so I evaluated my AA spreadsheet and decided to allocate the full $5,000 to VTSAX. Because of the way the market has performed and the relative size of the portfolio, this did not cha...
by M_to_the_G
Sun Aug 25, 2013 3:30 am
 
Forum: Investing - Help with Personal Investments
Topic: New AA
Replies: 14
Views: 1601

Re: Why are you trying to save so much money?

I don't know any old folks who say, "Gosh, I wish I hadn't saved so much." You may be encountering survivorship bias. Probably lots of people who never got to be "old folks" might have wished they hadn't saved so much. And possibly your circle of "old" acquaintances in...
by M_to_the_G
Mon Aug 19, 2013 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Why are you trying to save so much money?
Replies: 131
Views: 23064

Re: What to do after maxing out retirement?

I'm also a TSP participant. My first year as a fed, I maxed out my TSP. I had cash left over and left it in savings. My second year as a fed, I maxed out my TSP and opened/maxed out a Roth IRA. I paid off all my student loans and had zero debt at that point. Woohoo! I had cash left over and left it ...
by M_to_the_G
Sun Aug 18, 2013 2:59 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do after maxing out retirement?
Replies: 10
Views: 1295

Re: Why are you trying to save so much money?

I'm about your age (33), and I save what I consider to be a large portion of my pay, far more than most of my colleagues. I save so much money because I have a goal of retirement at 50. I'm saving what I think I will need, projecting 6% growth on average, to retire and maintain my last working year'...
by M_to_the_G
Sun Aug 18, 2013 2:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Why are you trying to save so much money?
Replies: 131
Views: 23064

Re: Social Security and Pensions in AA calculations - Jack B

Thank you for the responses. They have helped me to clarify my own thought process on this. One should take into account, naturally, the size of the portfolio and the amount of the combined SS/Pension, and what percentage of the income that one needs in retirement will come from each. And then there...
by M_to_the_G
Tue Aug 13, 2013 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Social Security and Pensions in AA calculations - Jack Bogle
Replies: 21
Views: 1497

Social Security and Pensions in AA calculations - Jack Bogle

Morningstar show (http://www.youtube.com/watch?v=BAqlll-vMjQ), Jack Bogle recommends considering Social Security/Pensions based on capitalized value and basing your AA around that, i.e. considering it as fixed-income and increasing risk in equity accordingly? I've taken that to heart (as I written b...
by M_to_the_G
Tue Aug 13, 2013 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Social Security and Pensions in AA calculations - Jack Bogle
Replies: 21
Views: 1497

Anyone else watch these vids?

Khan Academy's (http://www.youtube.com/user/khanacademy). This guy makes YouTube videos explaining investing (and many other) concepts in a very elegant and straightforward way. I found his channel today while looking for vids explaining bond prices. He has a vid on that and on many other topics (pr...
by M_to_the_G
Tue Aug 13, 2013 8:30 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else watch these vids?
Replies: 4
Views: 438

Re: poll: % TIPS in your bond allocation

Thanks for the link. The more I think about, the more I am inclined to allocate more to the G fund, " the only free lunch ," as it's been called here numerous times, and make my fixed income an even 50/50 split between F and G (while simultaneously reducing risk overall in my portfolio). 8...
by M_to_the_G
Sun Aug 11, 2013 11:02 am
 
Forum: Investing - Theory, News & General
Topic: poll: % TIPS in your bond allocation
Replies: 37
Views: 3061

Re: poll: % TIPS in your bond allocation

I'm a Fed and trying to figure it out. It's a unique option offered only to TSP participants, and people all say it's great. But I'm not exactly sure how to consider it.
by M_to_the_G
Sun Aug 11, 2013 10:17 am
 
Forum: Investing - Theory, News & General
Topic: poll: % TIPS in your bond allocation
Replies: 37
Views: 3061

Re: Help me to understand time shares

It sounds like if you're a pretty stable person with a stable life who really likes one particular place and already goes there every year at around the same time (and can't afford to buy property there), then it makes sense. That's a lot of "ifs," none of which describe me.
by M_to_the_G
Sun Aug 11, 2013 10:06 am
 
Forum: Personal Consumer Issues
Topic: Help me to understand time shares
Replies: 20
Views: 1666

Re: 24 years old - Full Financial Laydown

I sure wish I had been as wise as you are now when I was 24 (I am 33). Congratulations on paying off those car and student loans and congratulations on having the foresight to come here for advice! 8-) The next step is definitely to list all of the options in your 401(k) including expense ratio. It ...
by M_to_the_G
Sun Aug 11, 2013 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: 24 years old - Full Financial Laydown
Replies: 11
Views: 1672
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