Search found 529 matches

by RyeWhiskey
Tue Aug 25, 2015 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Parents, windfall, and sale of home
Replies: 12
Views: 1369

Re: Parents, windfall, and sale of home

Thanks to everyone for the honest and understandable responses. The attraction of renting the home was simply the size of the income compared to their current fixed income. That said, the comments above bring this attraction into a greater context. I'm so glad I posted this thread. I will continue t...
by RyeWhiskey
Tue Aug 25, 2015 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Parents, windfall, and sale of home
Replies: 12
Views: 1369

Re: Parents, windfall, and sale of home

So that 50k net is after property taxes, home insurance, gardening, property management company fee, maintenance? You said net, but just making sure. Yes, it is an average estimate but accounts for all that. Based on your initial post, presumably the $1 million house is completely paid off? Indeed.
by RyeWhiskey
Tue Aug 25, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Parents, windfall, and sale of home
Replies: 12
Views: 1369

Parents, windfall, and sale of home

Community, I turn to you now as I have a situation which is new to me and I do not know how to make the best decision. For context, I am an only child, 29 years of age, and financially comfortable. Five years back I found this site and took control of my finances. Two years ago I helped my parents d...
by RyeWhiskey
Mon Aug 17, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: 23 year old with 50+ years to invest looking for advice
Replies: 31
Views: 2315

Re: 23 year old with 50+ years to invest looking for advice

29 year-old here and my allocation is the following: 100% Total World Stock Index (VTWSX/VT). I like it better than Total US because it involves absolutely no allocation decisions on my part (such as the question: how much international exposure is the right amount?). Rules: Have an emergency fund. ...
by RyeWhiskey
Sat Aug 01, 2015 1:39 pm
Forum: Investing - Theory, News & General
Topic: Ready to Give Up on Emerging Market Stocks?
Replies: 47
Views: 4890

Re: Ready to Give Up on Emerging Market Stocks?

Forgive me, but isn't this another prime example in favor of a global market index (VTWSX, VT)? Currently, 6.85% of that index is in emerging markets. Should EM do as well as some claim, that percentage will increase. Should the inverse occur, it will decrease. Either way, one has neither 'given up'...
by RyeWhiskey
Sun Mar 01, 2015 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: How to find a spouse who wants financial independence
Replies: 51
Views: 9187

Re: How to find a spouse who wants financial independence

OP here. That quote wasn't from me. Wow many great responses here. This seems to be important to many single Bogleheads! I will follow closely. OP, I'm younger than most here but I think your question is misplaced. "Finding a spouse" isn't correct, as far as I can tell. You're looking to ...
by RyeWhiskey
Sun Mar 01, 2015 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: AAA card as prepaid credit card?
Replies: 8
Views: 812

Re: AAA card as prepaid credit card?

I know this isn't the answer you were looking for nisi, but it would seem as though carrying two V/MC credit cards (one backup) would be far safer than carrying a preloaded card. In regards to your second concern (b), the credit card would be safer. And in regards to your first concern (a), if you c...
by RyeWhiskey
Sun Mar 01, 2015 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Fund for 50+ years???
Replies: 6
Views: 623

Re: Fund for 50+ years???

LifeStrategy. In 50 years a lot of different managers can come and go (re: actively-managed funds) and a lot can change in the global economy (re: domestic-only funds). Vanguard's LifeStrategy and Target Retirement are the best funds for such a time frame unless you're willing to hold the individual...
by RyeWhiskey
Tue Feb 10, 2015 12:50 am
Forum: Investing - Help with Personal Investments
Topic: International Bond Funds in an Index Portfolio
Replies: 3
Views: 345

Re: International Bond Funds in an Index Portfolio

The Vanguard fund would be my choice out of the options listed. That said, you should look over the tax efficiency of the funds you are holding in the taxable account. :beer
by RyeWhiskey
Tue Feb 10, 2015 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Employer Plan has only two index funds...go brokerage?
Replies: 20
Views: 1186

Re: Employer Plan has only two index funds...go brokerage?

The main reason why I was thinking of brokerage was my coworker gained 30k last year by opening his brokerage and went for some stocks..... Do not follow that path. Dump everything in the target retirement fund and be very, very, pleased that you have an excellent option and so much time ahead. :sh...
by RyeWhiskey
Tue Feb 10, 2015 12:46 am
Forum: Investing - Help with Personal Investments
Topic: First portfolio plan
Replies: 3
Views: 445

Re: First portfolio plan

Bond side is too complex. The 5% holdings won't affect the portfolio very much. I'm not sure how much tax shelter space you have re: your total portfolio, but I'd fill that up with Total Bond Market and/or TIPS and the rest in Munis and CDs in taxable.
by RyeWhiskey
Tue Feb 10, 2015 12:36 am
Forum: Personal Consumer Issues
Topic: Valentine’s day dinner I could cook?
Replies: 40
Views: 2732

Re: Valentine’s day dinner I could cook?

I'm 28 and an excellent cook (if I do say so myself, and I do). I recommend: 1) Nothing too smelly (no fish, hyper-garlic items, etc.). 2) Nothing too fatty (no stroganoff, Swedish meatballs, scalloped potatoes, etc.). 3) Nothing too complex. 4) Nothing too time consuming (keep prep time under 30 mi...
by RyeWhiskey
Sat Jan 31, 2015 1:41 pm
Forum: Investing - Theory, News & General
Topic: When should you stop contributing to an HSA?
Replies: 31
Views: 2275

Re: When should you stop contributing to an HSA?

If I could I would max my HSA every year and treat it as a Roth IRA (read: retirement savings) with extra perks. I see no reason to do otherwise.
by RyeWhiskey
Sat Jan 31, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 66
Views: 6047

Re: The challenges of staying the course...

To all the replies, a BIG thank you!!! You all have given my wife and I some good suggestions, things to think about, and some nice encouraging words to stay the course. We do use an advisor that we are quite pleased with and has produced a tad over 10% in the past 3 years, since we teamed up. Agai...
by RyeWhiskey
Sun Jan 25, 2015 6:08 pm
Forum: Investing - Theory, News & General
Topic: What Experts Say About Various Investing Topics
Replies: 53
Views: 5776

Re: WHAT EXPERTS SAY ABOUT

Thank you Taylor and happy birthday! I, too, started investing at the age of 26 and as of now, two years later, I not only don't know what the S&P was when I started but don't know what it is now and nor do I care. With a healthy savings plan and my investments indexed at low cost for the long r...
by RyeWhiskey
Mon Jan 19, 2015 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Efficiency Question- What to Put Where?
Replies: 12
Views: 1084

Re: Tax Efficiency Question- What to Put Where?

Your "tilts" (BNDX, VNQ, VDE, VHT, etc) are 2% a piece, too small to have a meaningful effect on your portfolio as a whole. Furthermore, you say "I could see myself moving those assets around more than I would either of my major stock investments." This leads me to believe that t...
by RyeWhiskey
Sat Jan 17, 2015 3:11 pm
Forum: Investing - Theory, News & General
Topic: Malkiel's recommendations, 1990 to 2015
Replies: 40
Views: 4216

Re: Malkiel's recommendations, 1990 to 2015

The discrepancies aside, all of those portfolios seem too complicated for everyday folks (like my retired parents, both 65+). 7+ fund portfolios? It seems as though the complexity is the only thing which remained constant through the years... :beer
by RyeWhiskey
Sat Jan 17, 2015 3:03 pm
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 56
Views: 5947

Re: Poll: Your Max. REIT Allocation

Vanguard Total World Stock Index (VTWSX/VT): 3.83%. :beer
by RyeWhiskey
Wed Jan 14, 2015 2:14 pm
Forum: Personal Consumer Issues
Topic: Saving vs Living
Replies: 33
Views: 4793

Re: Saving vs Living

Sounds like you want to head over to the Mr. Money Moustache forums. All the relevant info for living frugally, budgeting, etc... there. I suggest you make a realistic and comfortable budget, with all the necessary steps and numbers taken into account. Then go month by month and adjust it as necessa...
by RyeWhiskey
Wed Jan 14, 2015 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: When your spouse isn't quite as frugal as you
Replies: 94
Views: 9562

Re: When your spouse isn't quite as frugal as you

The really easy way to "solve" your issue is to budget it into your finances every month. So instead of working on ways around it, budget it in: say, $20/day to start. If he spends less than this normally then reduce the budget, more, then increase it. Then this money will be accounted for...
by RyeWhiskey
Tue Jan 13, 2015 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 5365

Re: Doing my taxes by hand

OP here. Thanks everyone for the feedback. For reference, I want to do my taxes 'by hand' (a term most contentious it seems) in order to understand what's actually going on with a large part of my finances. I figure that it's easier to do it when one is young and will be immensely helpful over the c...
by RyeWhiskey
Sun Jan 11, 2015 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 5365

Doing my taxes by hand

Hello folks, This year I shall do my taxes by hand, however, I seek a small amount of hand holding (see what I did there?) at the moment. I have saved all the appropriate documents and stored them in one place. I believe I will need a 1040. For reference, I intend to claim the following Federal dedu...
by RyeWhiskey
Tue Jan 06, 2015 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: [BOA HSA -- No fees but can't invest the first $1,000]
Replies: 7
Views: 1088

Re: BOA HSA -- No fees but can't invest the first $1,000

Why not consider it a level of your emergency fund?
by RyeWhiskey
Tue Jan 06, 2015 2:05 pm
Forum: Investing - Theory, News & General
Topic: larry portfolio vs 3 fund portfolio last 2 years
Replies: 16
Views: 2809

Re: larry portfolio vs 3 fund portfolio last 2 years

Just keep in mind that while they may have had the same average annual return in backtesting over an extended course of time, it does not follow that they will have the same average annual return year in and year out. :beer
by RyeWhiskey
Tue Jan 06, 2015 2:01 pm
Forum: Investing - Theory, News & General
Topic: Let's Celebrate! Which funds are you buying in 2015?
Replies: 48
Views: 4080

Re: Let's Celebtate! Which funds are you buying in 2015?

Just made my Roth contribution in Vanguard Total World Stock Index as per IPS. :beer
by RyeWhiskey
Wed Dec 31, 2014 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund
Replies: 5
Views: 572

Re: Bond fund

Splitting one's total bond allocation in half for corporates is effectively reaching for yield. So unless your annual income is dependent upon your bond holdings and their dividends, I wouldn't complicate things. :beer
by RyeWhiskey
Wed Dec 31, 2014 2:03 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman takes John Bogles $5.00 Bet!
Replies: 61
Views: 10652

Re: Paul Merriman takes John Bogles $5.00 Bet!

I'll wager an endorsement in my signature on this website that the Vanguard Total World Stock Market Index ETF outperforms Merriman's 11 fund portfolio, after costs, over the course of my lifetime. I'm 28 and currently my allocation is 100% VT/VTWSX. I have no idea why one would complicate one's inv...
by RyeWhiskey
Sat Dec 27, 2014 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Stoock/Bond allocation based on assets?
Replies: 4
Views: 384

Re: Stoock/Bond allocation based on assets?

You may be inclined to look very closely at Target Retirement Funds which change the allocation of the assets within over time, moving from more aggressive allocations (more stocks) to more conservative allocations (more bonds, TIPS) as the individual owning the fund gains age. You could do this to ...
by RyeWhiskey
Sat Dec 27, 2014 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesley]
Replies: 12
Views: 1836

Re: VTINX fund vs VWIAX fund [Target Retirement vs. Wellesle

Would a 50/50 % split between the two funds be a reasonable option? In some senses yes, in others no. You need to look at your portfolio as a whole: what it consists of, at what cost, and how long you want to hold it for. A 50/50 split between these two funds is basically a double bet on large cap ...
by RyeWhiskey
Wed Dec 24, 2014 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Corperate Bonds vs Muni Bonds (for short term Roth account)
Replies: 10
Views: 1405

Re: Corperate Bonds vs Muni Bonds (for short term Roth accou

Is it that you are not permitted to or just that it doesn't make sense? Gill It doesn't make sense. Municipal bonds are free from federal taxation and, depending upon whether or not you live in the state in question, free from local taxes as well. Given that a Roth is a tax shelter, sheltering asse...
by RyeWhiskey
Sat Dec 20, 2014 12:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's economic and investment outlook [2015]
Replies: 21
Views: 3331

Re: Vanguard's economic and investment outlook [2015]

Given the predicted low inflation environment (with deflationary pressures rising in Europe) over the next decade or so, how do folks feel about EE-bonds as a 20 year investment guaranteeing a 3.53% annualized return? It depends on whether or not you want to have that bond mature in 20 years. For m...
by RyeWhiskey
Sat Dec 20, 2014 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 10209

Re: Most/Least Boglehead 2014 Activity?

Least: Bought some individual stocks with a tiny, tiny, amount of money. Read financial headlines. Paid attention to the noise regarding these individual stocks. Most: Saved ~40% of my meager income. Will have maxed my Roth for yet another year and this year I managed to save enough to start a taxab...
by RyeWhiskey
Sat Dec 20, 2014 12:14 pm
Forum: Investing - Theory, News & General
Topic: Active or Not, I Love Wellington
Replies: 82
Views: 9867

Re: Active or Not, I Love Wellington

Wellington, and Wellesley for that matter, are terrific funds and excellent single choices for people who have limited options or desire the idea of having a manager try their best on their behalf. Bogleheads probably won't end up under either of these rubrics but it doesn't mean there isn't a place...
by RyeWhiskey
Sat Dec 20, 2014 12:03 pm
Forum: Investing - Theory, News & General
Topic: handling large market drops
Replies: 17
Views: 1986

Re: handling large market drops

Since I'm investing for the long term I like to keep my money in the market as much as possible rather than have cash sitting around waiting (who knows how long you'll have to wait?). This said, I have recently decided to invest a set amount for each 5% drop in the market (the total world market, th...
by RyeWhiskey
Tue Dec 16, 2014 1:35 pm
Forum: Personal Consumer Issues
Topic: Would you invest $2500 or ?
Replies: 21
Views: 1851

Re: Would you invest $2500 or ?

Nope. If his skills are in demand, as you claim, then he can find work without the 'tools.' Now, if he's working for six months and clean then yes, I'd buy him some tools assuming that I can afford it but he needs to demonstrate that a) he's clean (which he's done), and b) he's working. If both thes...
by RyeWhiskey
Thu Dec 11, 2014 1:20 pm
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 30857

Re: Why Vanguard Total Stock Market isn’t the best fund

You're absolutely right that it is not the best fund. The best fund is the Vanguard Total World Market Index, which is vastly more diversified. :beer
by RyeWhiskey
Sun Dec 07, 2014 4:34 pm
Forum: Investing - Theory, News & General
Topic: Bogle Advises Investing No More Than 20% Outside U.S.
Replies: 106
Views: 13677

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

Since I only hold one equity fund, the Total World Stock Index, my current allocation to international is... 47.87%. :wink:
by RyeWhiskey
Sun Dec 07, 2014 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Start saving for House downpayment using Wellesley?
Replies: 35
Views: 3720

Re: Start saving for House downpayment using Wellesley?

There are two camps to the emergency fund / short-mid term savings debate: - Keep necessary funds in 'safe' investments (bank accounts, CDs, I-Bonds, short term treasuries). - Invest these funds in a mixed-allocation fund but "overfund" the account to cope with potential losses. With this ...
by RyeWhiskey
Sat Dec 06, 2014 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 92
Views: 16683

Re: Vanguard Turbo Tax prices anounced

I'm planning on doing my taxes by hand in 2015 thanks to a BH post from some time back in which a member commented on how much you learn about your money when you do your taxes by hand. This said, I'll tell my girlfriend about the discounted price and Taxact as well. :beer
by RyeWhiskey
Sat Dec 06, 2014 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Extended Market vs Vanguard Small Cap
Replies: 12
Views: 1155

Re: Vanguard Extended Market vs Vanguard Small Cap

Indeed, what matters most is your commitment to holding either fund for the long term. Is there a particular reason why you want to hold the S&P & extended market as opposed to the Total Market Index? And in the same vein, is there a particular reason why you want to slice and dice rather th...
by RyeWhiskey
Sat Nov 29, 2014 7:07 pm
Forum: Investing - Theory, News & General
Topic: Oil / Energy ETFs
Replies: 58
Views: 5109

Re: Oil / Energy ETFs

Many energy and oil ETFs are down significantly. What are the arguments against buying an oil ETF now, on the premise that it's currently cheap? The answer is the same as it ever was: if you're speculating (on oil prices, valuations, whatever) then sure, buy away. But only do so with money that you...
by RyeWhiskey
Tue Nov 11, 2014 12:17 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing quarterly beats yearly, monthly, or never
Replies: 11
Views: 1305

Re: Rebalancing quarterly beats yearly, monthly, or never

The take away from the whole rebalancing dilemma is quite simple: do whatever is simplest and makes the most sense to you and stick with it. :sharebeer
by RyeWhiskey
Tue Nov 11, 2014 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate of -2% for those under 35 - WSJ
Replies: 69
Views: 5269

Re: Savings rate of -2% for those under 35 - WSJ

I'm 28 and just recently started grad school so I took out 20.5k in loans. I had previously paid off all my undergrad debt about four years back. At the moment, I save approximately 50% of my income which varies greatly from month to month (I work as a waiter). This said, none of my friends and coll...
by RyeWhiskey
Sat Nov 08, 2014 1:18 pm
Forum: Investing - Theory, News & General
Topic: Thinking about buying an individual stock NSC
Replies: 56
Views: 5592

Re: Thinking about buying an individual stock NSC

Obviously you should purchase the single stock to get the certificate and hang it on your wall or whatever. This goes without saying. Just buy it and be done. It's not an investment here, it's a collectible and has sentimental value. As for the the other questions regarding 5% of your allocation, th...
by RyeWhiskey
Tue Oct 28, 2014 3:42 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation by Roger Gibson
Replies: 21
Views: 3520

Re: Asset Allocation by Roger Gibson

This looks like a pretty straightforward argument for the Permanent Portfolio, although perhaps a bit more diverse. :beer
by RyeWhiskey
Mon Oct 27, 2014 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: First Attempt at Posting my Portfolio for review
Replies: 19
Views: 3053

Re: First Attempt at Posting my Portfolio for review

You have received good answers and advice regarding your questions. I'm just going to take a quick shot at simplifying your account situation. TAXABLES 12.1% Ally Bank On-line Savings @.87% 1.7% Savings Account 10.7% Amgen stock that is mostly gains 2.8% Disney stock that is mostly gains 4.9% T.Rowe...
by RyeWhiskey
Sun Oct 19, 2014 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index vs. Vanguard Lifestrategy Moderate
Replies: 17
Views: 3296

Re: Vanguard Balanced Index vs. Vanguard Lifestrategy Modera

50 years is far too long to hold 40% in bonds. 100% Total World Stock Index and forget it. Then, perhaps in 30 years, you can start buying into what hopefully will exist then: a Total World Bond Fund, and use new contributions to bring your allocation into a desired balance.
by RyeWhiskey
Tue Sep 23, 2014 11:53 pm
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 23
Views: 3678

Re: Bogleheads.org android / iphone app

Wouldn't an easier option simply be to make the site work with Tapatalk?
by RyeWhiskey
Tue Sep 23, 2014 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Which house to buy?
Replies: 16
Views: 1556

Re: Which house to buy?

The better decision is the one you clearly like more and will have more emotional interest in maintaining, enjoying, and supporting. House B seems to be the option. :beer

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