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Re: Taxable Low-Risk Placement

All great advice, thank you. I must have sneezed while I was typing. He does not have his emergency funds in the form of index funds. It should have read: He has a solid emergency fund and his retirement savings invested in index funds. Sorry for the confusion and thanks again for the replies.
by SkolVikes7
Sat Jul 27, 2013 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Low-Risk Placement
Replies: 6
Views: 318

Taxable Low-Risk Placement

Trying to help a friend out with a question regarding money he has in some high risk equity funds/individual stocks he has with fidelity. He is already maxing out his tax sheltered retirement savings and has a solid emergency fund (index funds). He wants to use the $80k that he has invested with fid...
by SkolVikes7
Sat Jul 27, 2013 6:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable Low-Risk Placement
Replies: 6
Views: 318

Re: What Short Term $$$ Goals Have You Achieved?

You are officially encouraged to read this book: http://www.amazon.com/Total-Money-Makeover-Financial-Fitness/dp/159555078X/ref=sr_1_1?s=books&ie=UTF8&qid=1370905979&sr=1-1&keywords=dave+ramsey+total+money+makeover Once you get to step 4, stop reading and donate that book, then read ...
by SkolVikes7
Mon Jun 10, 2013 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: What Short Term $$$ Goals Have You Achieved?
Replies: 13
Views: 1922

Re: Projecting I bond returns to reach savings goal

I am now automatically buying I bonds every month to reach our savings goal. I have inherited some money and would like to put it toward our future home, since the current rate for Ibonds is 1.18% I am thinking about buying a 5 YR CD at 1.75%. Is there any tax implications or anything that I am miss...
by SkolVikes7
Mon Jun 10, 2013 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Projecting I bond returns to reach savings goal
Replies: 10
Views: 1090

Re: Explaining College Options to your Kids (x2)

Recent-ish college grad here. I can't remember NOT knowing that I was definitely going to college and that my parents would be paying- it was a fact of life growing up. It strongly motivated me to work hard in my studies since my parents had worked hard to make it possible. So basically, I don't th...
by SkolVikes7
Tue Apr 23, 2013 8:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Explaining College Options to your Kids (x2)
Replies: 9
Views: 1036

Explaining College Options to your Kids (x2)

My wife and I are pregnant with Twins! I have done a lot of research on how I want to execute a 529 and have decided on a plan. This ‘event’ has sparked a lot of conversation about how we want to discuss education with our children and the terms in which we explain the plan to pay for school. Her fa...
by SkolVikes7
Mon Apr 22, 2013 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Explaining College Options to your Kids (x2)
Replies: 9
Views: 1036

Re: What are your thoughts on Dave Ramsey's Total Money Make

His plan changed our lives.. The Boglehead philosophy took over once we were out of debt and had a solid footing.. His investing advice is lacking.
by SkolVikes7
Mon Apr 22, 2013 12:47 pm
 
Forum: Personal Consumer Issues
Topic: What are your thoughts on Dave Ramsey's Total Money Makeover
Replies: 33
Views: 3849

Re: Jack Bogle: We need to fix the bond index

My solution to this this issue has always been to hold a portfolio that's 20-60-20. 20% TIPS 60% Total bond market 20% High yield corporate Rebalance occasionally. It has worked very well over the years and is doing fine this year. Rick Ferri Rick, I'd be interested to know how or if you would chan...
by SkolVikes7
Sat Apr 20, 2013 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: We need to fix the bond index
Replies: 48
Views: 7044

Re: Tempted to Use Roth IRA for House Down-Payment

I wouldn't do it, but I'm single with no kids. You can never get that money back into the account. You could always rent a house or apartment in the "good" school district :) What if the landlord told you he sold the property and you need to find another place to live? It could be very ha...
by SkolVikes7
Fri Apr 19, 2013 11:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tempted to Use Roth IRA for House Down-Payment
Replies: 16
Views: 4037

Re: Tempted to Use Roth IRA for House Down-Payment

WHL wrote:I wouldn't do it, but I'm single with no kids. You can never get that money back into the account. You could always rent a house or apartment in the "good" school district :)


+1
by SkolVikes7
Fri Apr 19, 2013 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tempted to Use Roth IRA for House Down-Payment
Replies: 16
Views: 4037

Re: how heavily do you tilt?

http://www.rickferri.com/blog/strategy/winning-with-small-value-stocks/ Great graph by Mr. Ferri, but not useful. Unless one is investing at the start of one decade and cashing out at the end does it matter?? Unlike most on here I think rolling returns to be much more useful then decade by decade r...
by SkolVikes7
Thu Apr 18, 2013 10:31 am
 
Forum: Investing - Theory, News & General
Topic: how heavily do you tilt?
Replies: 23
Views: 1582

Re: how heavily do you tilt?

by SkolVikes7
Thu Apr 18, 2013 9:36 am
 
Forum: Investing - Theory, News & General
Topic: how heavily do you tilt?
Replies: 23
Views: 1582

Re: 25 isn't too late to start......right? [Military]

One problem though... on the TSP enrollment form, you can only contribute a percentage of your pay, and not a dollar amount per month. I'm trying to do the full $5500 a year into a ROTH, but I have a base pay that will change twice over the next 8 months. Any of the military folks on here (which I ...
by SkolVikes7
Sun Mar 10, 2013 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 isn't too late to start......right? [Military]
Replies: 17
Views: 1865

Re: 21 yr old Active Duty starting random walk! Any advice?!

Welcome aboard. I run a financial blog specifically for US Navy Sailors.. Take a look, hope it helps. http://www.deckplatedollars.com
by SkolVikes7
Sat Mar 09, 2013 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 21 yr old Active Duty starting random walk! Any advice?!
Replies: 35
Views: 6460

Re: 25 isn't too late to start......right? [Military]

1. I run a financial blog specifically for US Navy Sailors.. I recently wrote an article on ways to maximize deployment investing. http://www.deckplatedollars.com/2012/10/should-i-invest-in-sdp-or-roth-tsp.html 2. You can make a contribution for the 2012 tax year as early late as April 15, 2013. 3. ...
by SkolVikes7
Sat Mar 09, 2013 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 isn't too late to start......right? [Military]
Replies: 17
Views: 1865

Re: "Debunking the Myth of the 8% Return"

supersharpie wrote:recency bias alert!


+1
by SkolVikes7
Wed Mar 06, 2013 8:38 am
 
Forum: Investing - Theory, News & General
Topic: "Debunking the Myth of the 8% Return"
Replies: 61
Views: 4725

Re: Your Best One Line of Wisdom

"Humble enough to prepare, Confident enough to perform" -Tom Caughlin
by SkolVikes7
Tue Oct 23, 2012 11:20 pm
 
Forum: Investing - Theory, News & General
Topic: Your Best One Line of Wisdom
Replies: 238
Views: 15307

Re: Seattle vacation ideas - hotels

Inn at the market, nice place and it doesn't get much closer to the action. Their valet service is excellent while alleviating the parking stress of downtown. Serious Pie has the best pizza I've ever eaten, Pike chowder has THE best clam chowder, Piroshky Piroshky has some amazing Piroshkies. Have f...
by SkolVikes7
Sun Aug 05, 2012 11:12 pm
 
Forum: Personal Consumer Issues
Topic: Seattle vacation ideas - hotels
Replies: 23
Views: 3096

Re: Graduate Degree before Military Retirement

Thank you all for your replies. It gives me even more to consider!
by SkolVikes7
Thu Aug 02, 2012 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduate Degree before Military Retirement
Replies: 10
Views: 1360

Re: Graduate Degree before Military Retirement

Operations Management is a specialty field that most people don't know about -- but in the logistics/manufacturing industries the master's degree would be valued. The more rigorous/analytical the program the better (e.g. math-based with use of computer-based decision tools). Stan, thanks for the re...
by SkolVikes7
Sun Jul 29, 2012 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduate Degree before Military Retirement
Replies: 10
Views: 1360

Graduate Degree before Military Retirement

I will be retiring from the military in about 8 years and have the opportunity to pursue a graduate degree on my next set of orders (I will be on shore duty). The Navy offers an incredible program (with limited spots) which pays up to $40,000 for Junior Officers to obtain a masters as long as it fit...
by SkolVikes7
Sat Jul 28, 2012 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Graduate Degree before Military Retirement
Replies: 10
Views: 1360

Re: Investor's Manifesto (Bernstein)

livesoft wrote:Or do you need constant affirmation of your beliefs?


Haha! Busted.
by SkolVikes7
Tue May 22, 2012 1:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Investor's Manifesto (Bernstein)
Replies: 5
Views: 990

Investor's Manifesto (Bernstein)

I just finished Bernstein's "The Investor's Manifesto: Preparing for Prosperity, Armageddon, and Everything in Between" and I thought it was excellent. I have enjoyed his other books but I just wanted to point out this one in particular. I am always looking for ammo when it comes to tellin...
by SkolVikes7
Mon May 21, 2012 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investor's Manifesto (Bernstein)
Replies: 5
Views: 990

Re: Tempurpedic mattress--worth price? Finance it?

Perhaps one of the best purchases I've ever made. Spend the money, get the best... Tempurpedic.
by SkolVikes7
Sat Apr 28, 2012 3:47 am
 
Forum: Personal Consumer Issues
Topic: Tempurpedic mattress--worth price? Finance it?
Replies: 63
Views: 8954

Re: The meat and potatoes of my spreadsheet

how does a spreadsheet do all those things in the OP? Most of the bullets populate by the use of conditional formatting (Format > Conditional Formatting). They are all tied to the other trackers. Like I said, I'm a nerd. Much of it is probably overkill, but I find it fullfills my need to tinker (an...
by SkolVikes7
Thu Feb 23, 2012 6:10 am
 
Forum: Personal Finance (Not Investing)
Topic: The meat and potatoes of my spreadsheet
Replies: 4
Views: 1138

The meat and potatoes of my spreadsheet

As many other Bogleheads, I have a habit of tinkering with spreadsheets. My investing spreadsheets have gotten more complex (although not as complex as some I have seen) since I have started. This particular portion is certainly not complex, but it helps us stay on track with savings goals and keeps...
by SkolVikes7
Sun Feb 12, 2012 1:23 am
 
Forum: Personal Finance (Not Investing)
Topic: The meat and potatoes of my spreadsheet
Replies: 4
Views: 1138

Re: What Book are you currently, uh, investing in?

Just finished "The Intelligent Asset Allocator" by Bernstein and just ordered "All In: The Education of General David Petraeus" by Paula Broadwell.
by SkolVikes7
Sat Jan 28, 2012 6:44 am
 
Forum: Personal Finance (Not Investing)
Topic: What Book are you currently investing in?
Replies: 53
Views: 3408

Re: How much do you tilt?

Trev H, its good to see you posting, I have spent a lot of time reading your contributions to this site.
by SkolVikes7
Thu Jan 19, 2012 9:39 am
 
Forum: Investing - Theory, News & General
Topic: How much do you tilt?
Replies: 79
Views: 4691

Re: How much do you tilt?

I spent many hours on deciding whether or not to tilt. I read several books on the reading list and almost every thread on this forum that had the keywords small or value in them. I was looking for guidance on how to simply use TSM and SCV index funds to accomplish a tilt without getting too complic...
by SkolVikes7
Thu Jan 19, 2012 5:17 am
 
Forum: Investing - Theory, News & General
Topic: How much do you tilt?
Replies: 79
Views: 4691

Re: Projecting I bond returns to reach savings goal

So.. I'm pretty sure I found the anwer to my last question, and wouldn't you know it? Its right there in the wiki. I read the quote from the wiki below to say (for my situation), "Since you are in a low tax bracket now and will most likely remain in the lower tax brackets during the duration of...
by SkolVikes7
Tue Jan 10, 2012 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Projecting I bond returns to reach savings goal
Replies: 10
Views: 1090

Re: Projecting I bond returns to reach savings goal

Keep in mind, that the interest on your I bonds will compound, tax deferred. However, that means you will owe income tax on all the interest when you cash them in to buy the house. So, when you calculate what you will have after 10 years, be sure to subtract the amount you expect to pay in taxes. I...
by SkolVikes7
Mon Jan 09, 2012 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Projecting I bond returns to reach savings goal
Replies: 10
Views: 1090

Re: Projecting I bond returns to reach savings goal

Thanks for the replies dandan and nsiprius, this is exactly what I was looking for.
by SkolVikes7
Mon Jan 09, 2012 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Projecting I bond returns to reach savings goal
Replies: 10
Views: 1090

Projecting I bond returns to reach savings goal

I have been reading many of the posts regarding calculating i bond interest and it seems to be going over my head. I am looking at all options for saving up for a downpayment on a house in 10 years. The I bond interests me. I am trying to get a ballpark of how much I would need to save a month over ...
by SkolVikes7
Mon Jan 09, 2012 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Projecting I bond returns to reach savings goal
Replies: 10
Views: 1090

Re: What's the best way to save for a house downpayment?

I have been reading many of the posts regarding calculating i bond interest and it seems to be going over my head. I am looking at all options for saving up for a downpayment on a house in 10 years. The I bond interests me. I am trying to get a ballpark of how much I need to save a month over the ne...
by SkolVikes7
Mon Jan 09, 2012 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's the best way to save for a house downpayment?
Replies: 54
Views: 7672

Re: Bogleheads 2012 hedge fund contest

Seeking Golf

Long:
EEP (Enbridge Energy Partners)
CAT (Caterpillar)

Short:
DB (Deutsche Bank)
CRM (SalesForce.com)
by SkolVikes7
Mon Jan 02, 2012 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2012 hedge fund contest
Replies: 81
Views: 9415

Re: Renting Home as Savings Vehicle.

EmergDoc addressed your question in his post at http://www.bogleheads.org/forum/viewtopic.php?t=48901 under General Military Issues, Item 1). You might want to take a look at it.Minot Its funny you cite that article. I have read it and actually link to it on my website deckplatedollars.com. I figur...
by SkolVikes7
Mon Jan 02, 2012 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Renting Home as Savings Vehicle.
Replies: 21
Views: 1565

Re: Renting Home as Savings Vehicle.

Converting your house to a rental makes your taxes and the depreciation more complicated and it isn't always clear what the net effect will be. Often with a rental the taxes and depreciation will either make it a good investment or not. You should treat the rental as a business and have a firm busi...
by SkolVikes7
Mon Jan 02, 2012 7:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Renting Home as Savings Vehicle.
Replies: 21
Views: 1565

Re: Renting Home as Savings Vehicle.

You "build equity" through the home purchase -- not by paying housing expenses. I completely understand this concept, I was referring to the fact that I am aware of the risks involved with having to make a major repair on a home. I would be building equity by paying on a mortgage for thre...
by SkolVikes7
Mon Jan 02, 2012 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Renting Home as Savings Vehicle.
Replies: 21
Views: 1565

Re: Renting Home as Savings Vehicle.

I suppose when there's the decent chance that you could be renting for 20 years when you could be building equity, it tends to roll off the tongue a little easier. I understand your point, but personally I would feel better with throwing my money away on something like a roof for a house I owned the...
by SkolVikes7
Sun Jan 01, 2012 11:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Renting Home as Savings Vehicle.
Replies: 21
Views: 1565

Re: Renting Home as Savings Vehicle.

We have rented in the area before and had a very good experience with a local property manager, so we may go that route or as I mentioned above, we have some family in the area. I would have to run the numbers with the property management fees but I think going that route would put my mind at ease. ...
by SkolVikes7
Sun Jan 01, 2012 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Renting Home as Savings Vehicle.
Replies: 21
Views: 1565

Re: How Do I Start a Blog/Website?

I created a blog on blogger from scratch and with NO prior knowledge. After a few days of messing with it I found myself actually tinkering with codes. If you just take some time and play around with it, you will learn very quickly. I pay $10 through google (incorporated within blogger functionality...
by SkolVikes7
Sun Jan 01, 2012 10:14 pm
 
Forum: Personal Consumer Issues
Topic: How Do I Start a Blog/Website?
Replies: 13
Views: 1152

Re: Renting Home as Savings Vehicle.

Another question I had was if anyone had a good rent vs buy calculator that they preferred. I have run into several and all have different outcomes.
by SkolVikes7
Sun Jan 01, 2012 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Renting Home as Savings Vehicle.
Replies: 21
Views: 1565

Re: What is your favorite movie?

Forrest Gump
by SkolVikes7
Sun Jan 01, 2012 6:38 pm
 
Forum: Personal Consumer Issues
Topic: Movie night in recommendations
Replies: 269
Views: 20176

Renting Home as Savings Vehicle.

My wife and I are kicking around the idea of buying a home in about three years, the circumstances may be a bit odd and I wanted to get some opinions. I have been in the military for 10 years and will be making it a career. I have been renting since I joined but I would like to stop throwing that mo...
by SkolVikes7
Sun Jan 01, 2012 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Renting Home as Savings Vehicle.
Replies: 21
Views: 1565
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