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Re: ING or Ameriprise? [for 403(b)]

I had the same question before and I remember someone more knowledgable person telling me that the "magic" number is around 2%. If you plan on leaving you company within a certain amount of years, 2%ER is doable. However, if you plan on staying there for the rest of your career, a taxable ...
by NOLA
Wed May 15, 2013 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: ING or Ameriprise? [for 403(b)]
Replies: 11
Views: 1187

Re: Hussman: Now is one of the worst times in history to inv

Would be very interesting if one could find the data that shows when most $ was put into this fund. If most was put in the last 10 years, then people really did poorly. Possible to find this info, or would they rather not give this out? Also, when comparing these charts do they always include all ex...
by NOLA
Tue May 14, 2013 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: Hussman: Now is one of the worst times in history to invest
Replies: 51
Views: 6354

Re: ING or Ameriprise?

The compnay that I work for (about 100 people) has ING as their 401k choice. All of the funds that are available to us have about a 1% ER. Then the FAs, that I have never met, add another 1%.

Yeah, its that terrible.
by NOLA
Thu May 09, 2013 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: ING or Ameriprise? [for 403(b)]
Replies: 11
Views: 1187

Re: Am I doing okay at this point?

Yes, since your contributions are back loaded you feel like your total return should be higher than it is. Looks like you are doing fine - Good luck and keep going.
by NOLA
Thu May 09, 2013 1:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I doing okay at this point?
Replies: 12
Views: 1518

Re: Please critique this Singaporean portfolio

Dont think im good enough to assist you but I will bump the thread for you. Good luck.
by NOLA
Thu May 09, 2013 1:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Please critique this Singaporean portfolio
Replies: 11
Views: 550

Re: HAPPY BIRTHDAY MR. JOHN BOGLE

Happy birthday Jack
by NOLA
Thu May 09, 2013 1:26 am
 
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY MR. JOHN BOGLE
Replies: 32
Views: 1412

Re: 1.5% Financial Advisor... or index fund?

OP, you will get some fantastic advice on this site. The chances of "beating the market" by 1.5%, plus the extra ER that the advisor's fund will likely have is pretty much impossible. Also, since this investment will be in an taxable account, don't forget the trading costs that will likely...
by NOLA
Sat May 04, 2013 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1.5% Financial Advisor... or index fund?
Replies: 81
Views: 3692

Re: Unsecured wifi

Good question. Now, if someone were to steal your information(no matter how it is done), can Fidelity or Vanguard be responsible to pay back money that has been stolen? Kind of like if someone hacks your credit card and uses it?
by NOLA
Mon Apr 29, 2013 12:43 am
 
Forum: Personal Consumer Issues
Topic: Unsecured wifi
Replies: 51
Views: 3945

Re: Help Understanding an IRA

If he OP decides to go with a ROTH IRA instead of a Traditional, wouldn't it be ok to use the emergency fund in a money market fund within the ROTH? Since he/she could take out the initial investment or is that too complicated?
by NOLA
Thu Apr 25, 2013 2:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Understanding an IRA
Replies: 10
Views: 662

Re: My Take on Gold

Sorry to change the subject a little bit. However, can someone that's a little smarter than me tell how Gold affects the performance of the Precious Metals & Mining Fund (VGPMX)? Always been curious how they are correlated. Obviously there is some sort of correlation.
by NOLA
Tue Apr 23, 2013 8:16 am
 
Forum: Investing - Theory, News & General
Topic: My Take on Gold
Replies: 137
Views: 7606

Re: Negotiating the car price

I'm not a big fan of negotiating. However, do you need this company if all they do is match another offer? I understand if they would have said "beat the lowest offer".
by NOLA
Fri Apr 19, 2013 11:58 pm
 
Forum: Personal Consumer Issues
Topic: Negotiating the car price
Replies: 13
Views: 1116

Re: Tiny down payments for home mortgages are back

Sad if it gets bad again, however I don't think it will get close to the 2008-2009 levels again. Sure, there are people that use the system like an earlier poster mention. Nevertheless, you need a much higher credit score to get a loan today. And although its not a perfect system, its much better th...
by NOLA
Tue Apr 16, 2013 11:17 pm
 
Forum: Investing - Theory, News & General
Topic: Tiny down payments for home mortgages are back
Replies: 25
Views: 3351

Re: TV recommendation

I also got the Panasonic Viera Plasma about 3 years ago and the picture is very good and I haven't had any problems with it. Good price when I got it. I will say that it gets pretty warm so it probably uses a good amount of energy. OP, I just got the 39 inch Toshiba LCD LED tv for my bedroom. Looks ...
by NOLA
Fri Apr 12, 2013 9:08 pm
 
Forum: Personal Consumer Issues
Topic: TV recommendation
Replies: 34
Views: 1458

Re: Time to celebrate? One goal met.

Congrats, way to go.
by NOLA
Thu Apr 11, 2013 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Time to celebrate? One goal met.
Replies: 48
Views: 4774

Re: Sell in May and Go Away: Fact or Fiction?

I don't believe in selling in May, however would be interesting to see the result if the investor bought the total bond market fund instead of T-Bills? Would it be closer (assuming no capital gains were calculated)?
by NOLA
Tue Apr 09, 2013 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Sell in May and Go Away: Fact or Fiction?
Replies: 20
Views: 2044

Re: How many people have been screwed by a "professional"?

I was sold an absolutely crappy fund from chase before I knew what bogleheads were. After a couple years I figured out how terrible it was, and I mentioned that I'm closing my accounts and moving into index funds. The lady then told me that I must know that active funds beat index funds. Trying to m...
by NOLA
Wed Apr 03, 2013 11:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Receiving poor service from a professional
Replies: 25
Views: 1695

Re: Vacation rental

We use VRBO to rent out our property. I would recommend only renting from a place that has enough reviews.
by NOLA
Sun Mar 31, 2013 4:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vacation rental
Replies: 7
Views: 956

Re: Emerging --> Developed

Why gamble with any portion of your portfolio? The SP500 and TM at Vanguard strike me as the best course of action for long-term investors and retirees, along with an appropriate level of fixed assets for your circumstances. Personally, I stay away from foreign, international, and EM funds. I might...
by NOLA
Thu Mar 28, 2013 10:32 am
 
Forum: Investing - Theory, News & General
Topic: Emerging --> Developed
Replies: 10
Views: 930

Re: Are you Walking in your Father's footsteps?

Good question. I know that I like to save just like my dad. Dad was probably in residency or first couple of years in his new job. He made more at 33 than I do, but i(we) have more in the bank due to our savings and stocks from the family. My father saves like a boglehead, but don't invest like one....
by NOLA
Thu Mar 28, 2013 2:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Are you Walking in your Father's footsteps?
Replies: 60
Views: 5084

Re: Which direction on rental property?

OP, I wish I had more knowlege and could help you. Sorry. However, would it matter how many years left the OP has on the mortgage since more $ goes into equity as the years go by? I guess I'm a little surprise that it is never mentioned because you can build up your equity up pretty fast during the ...
by NOLA
Mon Mar 25, 2013 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which direction on rental property?
Replies: 16
Views: 1223

Re: Happy 15th birthday Diehards (Bogleheads)

Great forum. Has definitely made my life better. Fun, great place to learn and my favorite thing is probably the civilized tone that is often dificult to find in the online world.
by NOLA
Wed Mar 20, 2013 2:42 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy 15th birthday Diehards (Bogleheads)
Replies: 15
Views: 876

Re: Starting Lazy Index Portfolio - Timing

If you are worried about putting money into the market now, using DCA is a great option. Because the market is just as likely to go up 10% as it is to decline 10% in the near future. However, if history has showed us anything - the market will go up in the long run. I add to my account when I get $ ...
by NOLA
Sun Mar 17, 2013 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting Lazy Index Portfolio - Timing
Replies: 12
Views: 1643

Re: health insurance - billed vs what insurance pays doc

As a physician, I think this is one of the biggest travesty in our current system. There is no link between real costs and the billed costs. I think it evolved over time when the insurance company agreed to pay 80% of the billed amount, so the providers increased the billed amount to compensate. Th...
by NOLA
Fri Mar 15, 2013 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: health insurance - billed vs what insurance pays doc
Replies: 26
Views: 1345

Re: Dave Ramsey Defends His Investment Advice

"Those convinced against their will are of the same opinion still." - a quote used by DR often I think Dave does a lot of good things, but the guy is human. His very direct and get after it attitude serves him well in cheerleading people to get out of debt, and for that he should be comme...
by NOLA
Thu Mar 14, 2013 1:21 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Defends His Investment Advice
Replies: 120
Views: 9586

Re: Your Home Equity / Net Worth Ratio?

50%

No
by NOLA
Wed Mar 13, 2013 11:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your Home Equity / Net Worth Ratio?
Replies: 69
Views: 2467

Re: Need Advice.....Better Late Than Never

OP, hope everything goes well even though it will probably take a while to move it to Vanguard etc.

Nydad, great post earlier - great info for the OP and other investors.
by NOLA
Wed Mar 13, 2013 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice.....Better Late Than Never
Replies: 31
Views: 2829

Re: Retirement planning is going to take a hit..twins were b

Great news, congrats and enjoy every moment.
by NOLA
Tue Mar 12, 2013 1:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement planning is going to take a hit..twins were born!
Replies: 14
Views: 997

Re: Recognition for Oblivious Investor - Mike Piper

Yes, I enjoy reading the blog every week. Thanks again.
by NOLA
Tue Mar 12, 2013 1:06 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Recognition for Oblivious Investor - Mike Piper
Replies: 13
Views: 1158

Re: My former financial advisor-do I have any recourse?

I hope you will be able to get some $ back and I believe it will be a good idea to at least write a letter to the company. Even if you don't get anything back, hopefully it will teach the company/FA to treat their clients better.
by NOLA
Mon Mar 11, 2013 12:24 am
 
Forum: Personal Finance (Not Investing)
Topic: My former financial advisor-do I have any recourse?
Replies: 38
Views: 3175

Re:

reversion to the mean. ------ In the book Irrational Exuberance, Robert Shiller says that inflation adjusted U.S. home prices increased 0.4% per year from 1890–2004, and 0.7% per year from 1940–2004. ----- So how far will the price of your home on the range fall? Citing historical data and trends, ...
by NOLA
Mon Mar 04, 2013 1:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Drugs, death, and seller rent back
Replies: 57
Views: 7467

Re: international small value

Ok, maybe I read it wrong. I haven't done any analysis, but just read the tax cost number.

http://performance.morningstar.com/fund ... ture=en-us
by NOLA
Sat Mar 02, 2013 1:32 am
 
Forum: Investing - Theory, News & General
Topic: international small value
Replies: 26
Views: 1967

Re: Disappointment while shopping for a new fridge

Just went through this as well. Agree that it is a painful process and consumer reports not all that helpful in this case (i am a huge consumer reports fan in general). I think it is important to read as many online reviews of other peoples experiences as well. check out fridge forums, lowes websit...
by NOLA
Sat Mar 02, 2013 1:06 am
 
Forum: Personal Consumer Issues
Topic: Disappointment while shopping for a new fridge
Replies: 44
Views: 3131

Re: international small value

DLS seems to be very tax inefficient. Just looking at the 5 year cost it seems almost as bad as REIT.
by NOLA
Fri Mar 01, 2013 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: international small value
Replies: 26
Views: 1967

Re: Paid off the mortgage on Friday!

Congratulations, must be a great feeling. Can't wait to start my own thread in 14 years.
by NOLA
Mon Feb 25, 2013 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off the mortgage on Friday!
Replies: 38
Views: 3263

Re: [sites with a non-Boglehead approach?]

Not a site per se, but this guy has a feeling in his gut AND a webinar too: http://www.youtube.com/watch?NR=1&feature=endscreen&v=XXveGyGkHxA DOW down to 6000 sometime in 2013; maybe tomorrow. :oops: Don't mean to change the subject, but our older neighbors( who we get a long with very well...
by NOLA
Sat Feb 23, 2013 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: [sites with a non-Boglehead approach?]
Replies: 26
Views: 2339

Re: Confused about contributions for a spouse - Traditional/

A spouse does not need earned income of their own to open a spousal IRA . The other spouse needs to have earned income to cover their combined IRA contributions. Correct. To be technical, the other spouse with the income is the spouse in spousal. The spouse with the spousal IRA is not the spouse in...
by NOLA
Tue Feb 19, 2013 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Confused about contributions for a spouse - Traditional/Roth
Replies: 15
Views: 603

Re: How much to spend on a new washer & dryer

We bough a front load Samsung washer 1.5 year ago through Lowes and its been great. It was $1000 originally and since it was the week of black Friday it sold for $499 or $599. Felt like a good deal even though I maybe didn't save all of the $500. Both me and my wife are Europeans, but have lived in ...
by NOLA
Mon Feb 18, 2013 3:38 pm
 
Forum: Personal Consumer Issues
Topic: How much to spend on a new washer & dryer
Replies: 57
Views: 4506

Re: Progressive Insurance: Snapshot Discount, anyone ever us

Wow. My 6-month car insurance was about to expire and decided to call Geico to see if they were any cheaper than Progressive. Live in an area where car insurance is very expensive and the last few years I tried Geico they were really expense. Oh well, I will give it a try anyway. The quote came back...
by NOLA
Thu Feb 14, 2013 5:34 pm
 
Forum: Personal Consumer Issues
Topic: Progressive Insurance: Snapshot Discount, anyone ever use?
Replies: 19
Views: 1453

Re: Money magazine throws a gutter ball

Wow, that is just sad should almost be illegal. And are those fees supposed to be low?

Thanks for posting though.
by NOLA
Wed Feb 13, 2013 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Money magazine throws a gutter ball
Replies: 16
Views: 3357

Re: Moving a cat part III

We have adopted 3 cats. Well, we adopted 1 older cat and the other 2 adopted us. They all have such different personalities, which all make them special. Our indoor cat used to throw up pretty often, but we changed her diet and it got better. Pretty sure it had to do with hair balls.

Great animals
by NOLA
Thu Feb 07, 2013 2:59 am
 
Forum: Personal Consumer Issues
Topic: Moving a cat part III
Replies: 11
Views: 1082

Re: Advice on How to Start a Refinance

Thanks for the update and glad everything went well. This forum is really the best community I have ever come across.
by NOLA
Thu Feb 07, 2013 2:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on How to Start a Refinance
Replies: 7
Views: 849

Re: Ready to buy a house....

Lots of good advice in this thread already. Something that I wanted to add is that we started watching a lot of shows on HGTV (Househunters etc) when we were in the process of looking for our first home. I'm not sure if it helped us any, but I feel like I had a better understanding of the process. I...
by NOLA
Thu Feb 07, 2013 1:27 am
 
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 53
Views: 3964

Re: Free Book!

Thanks Rick.

Taylor, thanks for adding the last part. Fun read for sure.
by NOLA
Thu Jan 31, 2013 1:40 am
 
Forum: Investing - Theory, News & General
Topic: Free Book!
Replies: 20
Views: 3329

Re: CNN Article regarding Index and Actively Managed Funds

Paul, thanks for adding the link. Yes, that's the article I was referring to, weird because it works for me. Maybe my computer thinks its Monday.

Thanks again.
by NOLA
Wed Jan 30, 2013 11:15 am
 
Forum: Investing - Theory, News & General
Topic: CNN Article regarding Index and Actively Managed Funds
Replies: 8
Views: 1438

Re: CNN Article regarding Index and Actively Managed Funds

Kyle - I agree, just kind of scary when the author tells you to go look at a list to find "Top-rated mutual funds".
by NOLA
Wed Jan 30, 2013 10:14 am
 
Forum: Investing - Theory, News & General
Topic: CNN Article regarding Index and Actively Managed Funds
Replies: 8
Views: 1438

CNN Article regarding Index and Actively Managed Funds

http://money.cnn.com/m/?url=http://money.cnn.com/mobile/json/2013/01/30/pf/expert/long-term-investing.moneymag.json#!/2013/01/30/pf/expert/long-term-investing.moneymag.json?category=Latest%20News The article had such a promising start, then it kind of changed a little bit. Wish the author could have...
by NOLA
Wed Jan 30, 2013 9:13 am
 
Forum: Investing - Theory, News & General
Topic: CNN Article regarding Index and Actively Managed Funds
Replies: 8
Views: 1438

Re: Buffett pulls ahead of Hedge Funds at halfway point of b

Thanks for the updated. Hadn't heard about the bet until today..
by NOLA
Thu Jan 24, 2013 5:25 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett pulls ahead of Hedge Funds at halfway point of bet
Replies: 17
Views: 2057

Re: Optimizing tax-free space

The wiki page is fantastic, but would it possible to change part of the wikipedia regarding qualified dividends? In the principles of tax-efficient fund placement, it states that qualified dividends are taxed at a higher rate than they are supposed to be. Or am I wrong?
by NOLA
Fri Jan 18, 2013 2:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Optimizing tax-free space
Replies: 16
Views: 1130

Re: Fidelity Portfolio Advisory Service [Going to Arbitratio

I don't know anything about Fidelity or their services. My story is that I had some investments with Chase and now I know how awful they really were. Although my $ amount was a lot lower than yours, it still made me furious. Looking back at it, I'm happy it happened because I might never have found ...
by NOLA
Wed Jan 16, 2013 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Fidelity Portfolio Advisory Service [Going to Arbitration]
Replies: 29
Views: 2700

Re: My (horrible) experience with Vanguard

I am happy with Vanguard, and extremely happy to have found this wonderful website. However, I will think twice before doing a lot of "paperwork" with Vanguard. When I set up my account a little more than a year ago I had questions regarding a ROTH IRA. I wanted to be sure that I could tak...
by NOLA
Wed Jan 16, 2013 1:26 am
 
Forum: Personal Consumer Issues
Topic: My (horrible) experience with Vanguard
Replies: 82
Views: 9460
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