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Re: A story, and a feeling of financial under-accomplishment

Being a Boglehead doesn't mean you have a ton of money. Being Boglehead means you manage what money you do have well and responsibly. From one poor Boglehead to another - congratulations. Keep on keeping on. :beer
by RyeWhiskey
Fri Apr 11, 2014 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: A story, and a feeling of financial under-accomplishment
Replies: 48
Views: 4126

Re: 25/ Am I on the right track?

Questions: 1. Should I add bond exposure to my portfolio? Lendingclub is somewhat in that realm but its not tax efficient. I know they say people have strong stomachs till the first big bear market. I am honestly fine having my allocation at 100% stocks right now, though I am thinking maybe having ...
by RyeWhiskey
Fri Apr 11, 2014 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25/ Am I on the right track?
Replies: 8
Views: 1135

Commuting and Taxes (new job)

So I just moved to a new city and got a job at a restaurant downtown. I will not have access to a vehicle nor would I want to drive to work so I'll be either bicycling or taking the bus. If I bicycle it'll cost at least $300 for the bike and probably $100 or so a year in maintenance. If I take the b...
by RyeWhiskey
Thu Apr 10, 2014 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Commuting and Taxes (new job)
Replies: 2
Views: 323

Re: Last chance to sell Russian investments?

Boglehead response: This is why I only own the Total World Market Index. The questions in the OP are relatively meaningless to me. Speculative response: There's not much you can do if you're holding EM equities or bonds given the high weight to Russia. Lowering your allocation to them could backfire...
by RyeWhiskey
Thu Apr 10, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Last chance to sell Russian investments?
Replies: 2
Views: 289

Re: Was Wondering Why Windsor/Wellesley/Wellington?

I bought wellesley up to the point of admiral shares because it was my close to being my first taxable investing and I wanted one fund that was relatively stable to use as a quasi emergency fund. I've since changed the dividends to be invested elsewhere and let is sit as it is. Interesting choice g...
by RyeWhiskey
Thu Apr 10, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3406

Re: Taxable account asset allocation

If this is a part of your overall IPS then either fund will do fine. I'd suggest you pick whichever you think you'll hold with more confidence. Personally, I'd take the TSM Index for broader diversification but the S&P is just fine. What does your IPS say?
by RyeWhiskey
Thu Apr 10, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard S&P 500 vs Total Stock
Replies: 17
Views: 2908

Re: 23 / Would love some advice!

My name is Mauricio, I'm 23 years old and will soon be a college graduate with a degree in Industrial Engineering entering the job market in the foreseeable future. I've recently realistically considered the effects of compounding interest, however, I am very new to investing and would think it wis...
by RyeWhiskey
Wed Apr 09, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 23 / Would love some advice!
Replies: 12
Views: 827

Re: Boxed Wines

Some simple things to remember when buying inexpensive wine from a guy who worked in Sonoma County wine country for the past five years. Reds: - "Bigger" reds are a better bet than "lighter" reds. In other words, think Cabernet Sauvignon instead of Pinot Noir. Unless you're shell...
by RyeWhiskey
Tue Apr 01, 2014 4:37 pm
 
Forum: Personal Consumer Issues
Topic: Boxed Wines
Replies: 29
Views: 1920

Re: Good, reasonable priced pinot grigio?

King Estate is a great Pinot Gris and usually runs around $15/bottle. They also have an organic vintage which runs above twenty. :beer
by RyeWhiskey
Wed Mar 19, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: Good, reasonable priced pinot grigio?
Replies: 7
Views: 410

Re: OMG, There Goes Coinstar?

I roll all my coins by hand. This way I can sort out any pre-1964 dimes/quarters (for silver) and any pre-1982 pennies (for copper) or other cool collectible items. I then take all the rolls to my credit union and deposit them in my account. The first time I did this I had over $300 in coins so it t...
by RyeWhiskey
Sat Mar 08, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: OMG, There Goes Coinstar?
Replies: 38
Views: 3833

Re: LifeStrategy, Not TR in 401k

A simple example may help the LS vs. TR debate: I recently helped a friend open a Roth with Vanguard and fund it for two years. When selecting a fund I explained the difference between equities and fixed income, the movements of the markets, dividends, etc... They seemed extremely overwhelmed. I the...
by RyeWhiskey
Fri Mar 07, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: LifeStrategy, Not TR in 401k
Replies: 25
Views: 1665

Re: More Efficient Emergency Fund

I recently went through the same dilemma only to decide that it's not worth jumping through hoops for a couple hundred bucks. 1% of 5k is $50. 5% is $250. Are the hoops needed to use Mango/rewards checking/etc... worth a mere $200 a year? Not for me. If you want an easy $200 a year just head over th...
by RyeWhiskey
Fri Mar 07, 2014 12:54 am
 
Forum: Investing - Help with Personal Investments
Topic: More Efficient Emergency Fund
Replies: 28
Views: 2147

Re: Wealthfront - worth 25 basis points??

I think that if you speak in the terms of "basis points" then you probably have enough knowledge to not pay the 0.25% for rebalancing/tax harvest. Most people don't know what basis points are and for them having such a service might be a great value indeed. :beer
by RyeWhiskey
Thu Mar 06, 2014 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront - worth 25 basis points??
Replies: 11
Views: 810

Re: Tipping for take out

Rob5TCP wrote:Most are paid minimum wage and tips help them survive. For delivery, I tip 15/20% more in inclement weather.
For takeout at least $1 up to $4/$5 if it's a really large take out order.


+1 :sharebeer
by RyeWhiskey
Thu Mar 06, 2014 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tipping for take out
Replies: 57
Views: 4553

Re: Change in emergency fund

Phineas J. Whoopee wrote:From reading the thread subject I thought you'd be asking about whether to keep it in nickles.
PJW


Nickles are worth more in metal value than numismatic value. Not a bad place for the entire emergency fund! :D
by RyeWhiskey
Thu Mar 06, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Change in emergency fund
Replies: 7
Views: 758

Re: My Zombie Portfolio

The simplest solution would be to liquidate the taxable individual stocks, transfer all the Roths and IRAs to Vanguard, and invest as such: Taxable (76%) 50% Total US Stock Market Index 36% Total International Stock Market Index My Roth IRA (8%) Total Bond Market Index Wife's Roth IRA (6%) Total Bon...
by RyeWhiskey
Thu Mar 06, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Zombie Portfolio
Replies: 14
Views: 1138

Re: Looking for Help with balancing portfolios

If you want complete portfolio advise it would be helpful if you used the format posted in the Asking Portfolio Questions thread. At quick glance it looks like those funds are way too expensive and you could probably do much better with a little work on your own part. I recommend browsing the Wiki o...
by RyeWhiskey
Thu Mar 06, 2014 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for Help with balancing portfolios
Replies: 6
Views: 351

Re: Savers remorse ?

I find that in retirement it is actually hard to spend money. (well not THAT hard, but it still bothers me. ) Well, my DH saved like mad (which is what you do when you are self-employed) during his working years. He still saves, and doesn't feel comfortable spending money. We live off earnings, nev...
by RyeWhiskey
Thu Mar 06, 2014 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 11168

Re: Assistance with Short-term Asset Allocation

I would like to move to an asset allocation that is in-line with the short-term time horizon. Based on an input of two years as investment period, withdrawal period of less than 2 years, medium volatility tolerance, You want a 2 year CD or VG Short Term Tax Exempt Muni Fund. I don't know why you're...
by RyeWhiskey
Thu Mar 06, 2014 2:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Assistance with Short-term Asset Allocation
Replies: 1
Views: 149

Re: Will this affect your Tipping?

As someone who has spent many years working in the service industry I always tip. I use the following rules: - $1 for cup of coffee, drink at bar, ice cream (which I never get but if I did) - 20% for good service at a sit down place - 10%-20% for take-out, counter service, depending upon how famili...
by RyeWhiskey
Thu Mar 06, 2014 2:06 am
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7548

Re: Dynamic International/Domestic Allocation

You're talking about a -12% difference in US, +9.5% difference in Int Dev, and +2.5% difference in EM? I'm not sure if that small shift is worth the effort. Buying a Total World Market Index and being done with it seems like a much better and simpler idea and I'd wager that the results are fairly si...
by RyeWhiskey
Thu Mar 06, 2014 2:02 am
 
Forum: Investing - Theory, News & General
Topic: Dynamic International/Domestic Allocation
Replies: 12
Views: 578

Re: Will this affect your Tipping?

As someone who has spent many years working in the service industry I always tip. I use the following rules: - $1 for cup of coffee, drink at bar, ice cream (which I never get but if I did) - 20% for good service at a sit down place - 10%-20% for take-out, counter service, depending upon how familia...
by RyeWhiskey
Wed Mar 05, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Will this affect your Tipping? [Suggested Tip Amounts]
Replies: 123
Views: 7548

Re: How Many Funds Do You Have in Taxable?

None: I'm poor enough to be able to max my Roth and HSA and call it a day for retirement contributions. :beer
by RyeWhiskey
Wed Mar 05, 2014 3:47 pm
 
Forum: Investing - Theory, News & General
Topic: How Many Funds Do You Have in Taxable?
Replies: 97
Views: 4889

Re: Question for Oenophiles!

Since Bogleheads seem to know everything about the 'finer things in life'.. here's a question from a wine newby: Now that I'm retired, and can afford to have a nightly bit of wine with dinner, I've narrowed my likes down to Pinot Noir. My question: Is there really a noticeable difference between a ...
by RyeWhiskey
Tue Mar 04, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Question for Oenophiles!
Replies: 19
Views: 1230

Re: Help, I'm a confused investor

I'm going to be completely honest. I don't have the emotional stability to watch my money collapse, by going 100% total market. 90% isn't much better. Hello Angelus359, I'm 27 so I can relate to your age, living situation, cash flow, etc... Here are my thoughts: 1) Treat the 6k in the bank which &q...
by RyeWhiskey
Tue Mar 04, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help, I'm a confused investor
Replies: 14
Views: 1186

Re: 25 YR Old Just Starting Out-Help with 401K/Investing

Watch the fixed income allocation. You could easily live to 100. I strongly encourage you to move to 100% equity allocation ASAP. You will certainly--certainly--thank me in 50 years. Look at any DJIA chart for the last 100 years if you doubt me. And research the number of ten year periods in which ...
by RyeWhiskey
Tue Mar 04, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 YR Old Just Starting Out-Help with 401K/Investing
Replies: 11
Views: 1545

Re: Vanguard Total International Stock vs Dodge & Cox Int'l

Sorry abuss but that is an inaccurate blanket statement.Dodge and Cox has a very specific way of picking investments by committee and they eat their own cooking as well.Thirteen years of vastly superior returns by probably the most respected firm in the managed fund industry says something beyond l...
by RyeWhiskey
Mon Mar 03, 2014 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Stock vs Dodge & Cox Int'l
Replies: 23
Views: 2345

Re: Simple Asset Allocation for Life

I am looking for a little feedback on my asset allocation. How does the stock allocation look and is age in bonds a good allocation or is it too conservative? For example, should you always have at least a certain percent in equities for stronger growth (if you are lucky enough to live to 100+ do y...
by RyeWhiskey
Mon Mar 03, 2014 12:32 am
 
Forum: Investing - Theory, News & General
Topic: Simple Asset Allocation for Life
Replies: 8
Views: 1036

Re: Portfolio Review - Reallocation from Target Retirement F

I'm 27 and I found that the more I learned about everything the more I wanted to simplify my financial plan. I own only one fund for my retirement and couldn't be happier. :beer
by RyeWhiskey
Sun Mar 02, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - Reallocation from Target Retirement Funds
Replies: 14
Views: 714

Re: Chromebook as main computer?

I've had this Samsung Chromebook for over a year now, I use my computer daily for web browsing, office, movies, etc.. and I can say the following things: The Good: - The hardware is great. It is thin, light, portable, sleek, fast, and efficient. The battery lasts quite a bit and the speakers aren't ...
by RyeWhiskey
Sun Mar 02, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Chromebook as main computer?
Replies: 73
Views: 5540

Re: Why the love for target date funds?

In short, a target-retirement date is a shortcut and not a philosophy. The proper advice to a 25-year-old opening a Roth IRA shouldn't be "VFFVX" - it should be "Vanguard recommends funds made up of 63% domestic stocks, 27% international stocks, and 10% bonds for someone your age - a...
by RyeWhiskey
Sun Mar 02, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Why the love for target date funds?
Replies: 71
Views: 3647

Re: Strategy question on "tax free" accounts

Generally speaking, you don't put funds into a Roth (or HSA which is to be used for retirement) which you may need soon. Retirement assets are for retirement: i.e. down the line. Do you have an emergency fund? Also generally speaking, high yield corporate bonds and junk bonds are not asset classes r...
by RyeWhiskey
Wed Feb 26, 2014 3:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Strategy question on "tax free" accounts
Replies: 4
Views: 590

Re: 20-year-old beginner investor; need investment advice

What should I do? Take a breath. Welcome to the forum. You're 20, I'm 27. I just started investing three years ago. I bought and sold some individual stocks early on but was fortunate enough to find this forum and some really helpful books. I recommend that you take breath, relax, and start reading...
by RyeWhiskey
Wed Feb 26, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20-year-old beginner investor; need investment advice
Replies: 17
Views: 1138

Re: Recommendation for free office suite

I have experience with Open Office, Libre Office, and Google Docs. I like Libre more than Open and consider Google Docs to be a different tool. It's much less complete and functional than Libre and requires an internet connection so it is very limited in my opinion. That said, it's really useful if ...
by RyeWhiskey
Wed Feb 26, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Recommendation for free office suite
Replies: 12
Views: 910

Re: Need short - Intermediate investment planning suggestion

If the education assets are truly for education then there's no reason why they shouldn't all be in a 529 where they will grow tax free. If that time line is truly 20 years away then I'd consider a 70/30 allocation in an all-in-one fund or a simple three fund portfolio within the 529. As for the hou...
by RyeWhiskey
Wed Feb 26, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need short - Intermediate investment planning suggestion
Replies: 4
Views: 335

Re: Thoughts on new I shares conservative ETF

Symbol AOK..... AGGREGATE BOND 32.36 Short treasury 24.08 S&P 500. 15.34 MSCI EAFE 11.45 High yield corp 7.75 TIPS 4.38 SP MID CAP 2.44 SP SMALL CAP 1.23 MSCI EMERGING MKT 0.90 All I SHARES ETF's Expense .29 One analyst called it the best conservative investment ever.Thoughts?Just looked on Mor...
by RyeWhiskey
Wed Feb 26, 2014 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on new I shares conservative ETF
Replies: 10
Views: 675

Re: Should I Get Cheap Personal Loan & Invest It?

I currently have about 200k in assets(Cash,car,etc.) and 200k in debt(house/car 3.5%). I am 32 married with stay at home mom(nurse who will be going back to work in a year or two) and a 2.5 year old with another due in June. I am self employed and finally opening a SEP this year. My wife has a 401a...
by RyeWhiskey
Tue Feb 25, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Get Cheap Personal Loan & Invest It?
Replies: 72
Views: 3678

Re: Leaving a small amount of student debt for child to pay

I graduated with approx. $25k in student loan debt. It was a vital learning experience in paying bills, budgeting, learning about interest/principle, etc... One possible 'middle ground' would be leaving student loan debt for your child and then, if they pay off the majority of it well and responsib...
by RyeWhiskey
Fri Feb 21, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving a small amount of student debt for child to pay off?
Replies: 45
Views: 2648

Re: What does high debt level mean for these companies ?

When it comes to stock investing, people generally say that high debt level is bad and should be avoided. Banks always have humongous amount of debt. I understand that for banks it may not be a reliable barometer for telling solid fundamentals. But look at these companies - Unilever (personal produ...
by RyeWhiskey
Fri Feb 21, 2014 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: What does high debt level mean for these companies ?
Replies: 8
Views: 502

Re: Which Vanguard Bond Funds for a Taxable Account?

Thanks Kevin - those are good sites. Vanguard also has their own internal CD shopping interface. The deals aren't as good though. Those CDs are different than CDs sold directly from a bank. I agree with LH that you should take your time and read carefully about bonds, CDs, and fixed-income in gener...
by RyeWhiskey
Fri Feb 21, 2014 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Bond Funds for a Taxable Account?
Replies: 32
Views: 3210

Re: Leaving a small amount of student debt for child to pay

I graduated with approx. $25k in student loan debt. It was a vital learning experience in paying bills, budgeting, learning about interest/principle, etc... One possible 'middle ground' would be leaving student loan debt for your child and then, if they pay off the majority of it well and responsibl...
by RyeWhiskey
Fri Feb 21, 2014 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving a small amount of student debt for child to pay off?
Replies: 45
Views: 2648

Re: My 3 International Funds-do high ER's matter?

I appreciate everyone's comments. I will discontinue reinvesting dividends into USAA International and American EuroPacific, and I'll funnel the new investments to Vanguard. I cannot sell the funds however. I calculate that after 20 years in USAA and somewhat fewer in American, my Capital Gain is a...
by RyeWhiskey
Fri Feb 21, 2014 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: My 3 International Funds-do high ER's matter?
Replies: 23
Views: 1151

Re: David Lerner Associates Apple REIT 10

I'm considering purchasing shares in David Lerner Associates' Apple REIT 10 (which is an illiquid real estate investment trust) with a return of 6-7%. Previous Apple REIT programs generally ran for 7 years and were then sold. Are you familiar with David Lerner Associates and is this a good investme...
by RyeWhiskey
Fri Feb 21, 2014 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: David Lerner Associates Apple REIT 10
Replies: 4
Views: 314

Re: 25 Years old, Please review my Financial Outlook

Hello KingofYOLO, I'm 27 so in your age range. My thoughts: Here's what I'd do: Liquidate everything under "Random". Make sure the 2013 and 2014 contributions to the Roth IRA are funded. Put any remaining money toward the car loan. Move the Roth IRA to Vanguard and buy an inexpensive index...
by RyeWhiskey
Fri Feb 21, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 Years old, Please review my Financial Outlook
Replies: 19
Views: 1237

Re: Going all into Emerging Markets

Given the tone of the question it doesn't sound like your friend will be able to buy and hold as they seem to be chasing past performance. In all likelihood they will pack up and sell when it's worst and get into the next best 'looking' investment. So, no, I don't think they should go all EM for 40 ...
by RyeWhiskey
Thu Feb 06, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 63
Views: 5824

Re: HSA Investment Options

We need expense ratios for each fund as well as information on how your HSA factors into your overall asset allocation. :beer
by RyeWhiskey
Thu Feb 06, 2014 4:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Investment Options
Replies: 9
Views: 1005

Re: Thoughts on putting emergency funds into vanguard muni f

I think that if we're talking about a tiered emergency fund then yes, the last tier could be placed in a VG muni fund. I think that the best fund for this is: Vanguard Short-Term Tax Exempt VWSTX/VWSUX. Why this fund and not the limited term (VMLTX)? Mostly due to duration: the short term has a dura...
by RyeWhiskey
Thu Feb 06, 2014 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on putting emergency funds into vanguard muni fund
Replies: 20
Views: 1833

Re: Starting a 30 Year TIPS Ladder at Age 25 (Roth IRA)

I've read many of the discussions weighing the merits of owning a bond fund versus laddering. Most of the time, the person wanting to build a ladder is near retirement, so the issue becomes buying bonds that mature in 1 year, 2 years, 3 years... n years as desired. My question is: what if I started...
by RyeWhiskey
Tue Jan 28, 2014 2:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting a 30 Year TIPS Ladder at Age 25 (Roth IRA)
Replies: 51
Views: 3057

Re: Need help(!!) with personal finances, 27 y/o starting ou

I'm 27 so I write to you as someone who was in a similar situation. I have since paid off my loans, opened a Roth IRA and HSA, funded them fully for three years, and look to do so in the future. My advice is: take the 10k you want to invest and put it towards the 6.55% loan. It'll take a third of th...
by RyeWhiskey
Mon Jan 27, 2014 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help(!!) with personal finances, 27 y/o starting out
Replies: 23
Views: 1666

Re: Do you have a Savings Account?

I have four savings account as each checking account I've opened has come with one. I currently only use two: one for savings throughout the year which will go into investments; the other for part of my emergency fund.
by RyeWhiskey
Mon Jan 27, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you have a Savings Account?
Replies: 64
Views: 4958
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