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Re: In our situation, how much would you put in your 2014 Ro

Woah, everyone is saying to max both of them. That's unexpected. And it's extraordinarily scary. Spend $11,000 in one shot? That's coming up on our entire year's budget. Chopping our liquid cash down by that much scares me. Kind of strange, because the thought of our current Roths being 90/10 doesn...
by StormShadow
Fri Feb 20, 2015 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: In our situation, how much would you put in your 2014 Roths?
Replies: 19
Views: 1136

Re: In our situation, how much would you put in your 2014 Ro

WHL wrote:At your income level, is a Roth IRA even the right choice?

They make $25k per year. At that income level, how is a Roth IRA NOT the right choice? With the standard deduction, their income tax rate is literally 0%! In this situation, I'd max out a Roth no questions asked.
by StormShadow
Fri Feb 20, 2015 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: In our situation, how much would you put in your 2014 Roths?
Replies: 19
Views: 1136

Re: What video games are you currently playing?

Love this thread! Unfortunately, DW hasn't let me buy/play a video game since she became... DW. :oops: Last games played were: Call of Duty Modern Warfare 2 and StarCraft II Wings of Liberty (prior to expansion). Loved 'em both! I love FPS and most Blizzard games (though never started WoW... <--- pr...
by StormShadow
Thu Feb 19, 2015 9:58 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 155
Views: 8260

Re: Expecting a big inheritance - Should it change my life?

Plan your life as if you weren't going to get any of it.
by StormShadow
Sun Feb 15, 2015 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expecting a big inheritance - Should it change my life?
Replies: 124
Views: 7884

Re: Does anyone like the new Toyota/Lexus grilles?

2011 Camry owner here. Hmm... yeah, I'm not a big fan of the new design. The bumper grille is too much. At least the interior is nice. I like the leather covered shifter. http://assets.nydailynews.com/polopoly_fs/1.1975018!/img/httpImage/image.jpg_gen/derivatives/article_970/2015-toyota-camry-interi...
by StormShadow
Sun Feb 15, 2015 1:41 am
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 57
Views: 3224

Re: Just no petroleum or defense?

If it means this much to you, then you'd have to hand-pick all of the individual stocks. A bit more legwork on your part, but not impossible. Pick at least 10-15 companies to diversify your investments in, spread across several different industries. Looking at the components of the Dow Jones Industr...
by StormShadow
Sun Feb 15, 2015 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Just no petroleum or defense?
Replies: 49
Views: 2761

Re: How to make this fair: gifting to kids with different me

"Your kids a quite different - one went in a "traditional" track and makes quite a bit of money and saves a lot (kid A), one had more trouble settling down and makes enough to have a perfectly decent life but you'd like to encourage that one to save more (kid B)." Speaking for m...
by StormShadow
Fri Feb 06, 2015 4:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make this fair: gifting to kids with different means
Replies: 108
Views: 8886

Re: Play money- what is your process?

Precious metals. 8-)
by StormShadow
Sat Jan 31, 2015 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Play money- what is your process?
Replies: 68
Views: 5271

Re: Mr. Bogle on CNBC today--International and Bonds

I think the bottom line is... do you believe that currency diversification adds any benefit if you spend your whole life in one country where goods are bought/sold by only the US dollar? Jack's position is it does not. 2014's international performance (in US dollars) seems to support his argument. ...
by StormShadow
Sat Jan 31, 2015 9:35 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6404

Re: Mr. Bogle on CNBC today--International and Bonds

I think the bottom line is... do you believe that currency diversification adds any benefit if you spend your whole life in one country where goods are bought/sold by only the US dollar? Jack's position is it does not. 2014's international performance (in US dollars) seems to support his argument. ...
by StormShadow
Fri Jan 30, 2015 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6404

Re: A Gift - tax consequences

No advice here. Just wanted to say, this is one very generous and thoughtful gift. Kudos! :beer
by StormShadow
Fri Jan 30, 2015 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Gift - tax consequences
Replies: 16
Views: 988

Re: Mr. Bogle on CNBC today--International and Bonds

I think the bottom line is... do you believe that currency diversification adds any benefit if you spend your whole life in one country where goods are bought/sold by only the US dollar?

Jack's position is it does not. 2014's international performance (in US dollars) seems to support his argument.
by StormShadow
Thu Jan 29, 2015 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6404

Re: Does college tuition indeed keep up with inflation?

OP, you're kidding right?

College tuition has spiraled out of control. It is the current economic bubble.
by StormShadow
Wed Jan 28, 2015 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: Does college tuition indeed keep up with inflation?
Replies: 15
Views: 1105

Re: Wisdom of transferring current assets to Vanguard?

You answered your own question.

Run, do not walk, to Vanguard.
by StormShadow
Mon Jan 26, 2015 7:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wisdom of transferring current assets to Vanguard?
Replies: 15
Views: 1761

Re: wife's purse

my wife wants a good purse and she mentioned a Coach purse. Any recommendations? She would keep it for probably ten years or more. She wants good things and keeps them forever. It would be an every day purse and said she needs the shoulder strap. SHe has been using these Vera Bradley purses, which ...
by StormShadow
Mon Jan 26, 2015 7:46 pm
 
Forum: Personal Consumer Issues
Topic: [Purchasing a] wife's purse
Replies: 44
Views: 4002

Re: Help with stock allocation (Europe)

MountainTop wrote:This is the HB Permanent Portfolio in a nutshell: 25% TSM, 25% LT BONDS, 25% GOLD, 25% CASH for prosperity, deflation, inflation and recession. ...

What do you guys think? Please be brutally honest...

Thanks!

How are you investing in the gold?

Bullion, GLD ETF, gold mining stocks... ?
by StormShadow
Mon Jan 26, 2015 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with stock allocation (Europe)
Replies: 14
Views: 1232

Re: Anyone else love reading textbooks?

Negative, ghostrider.
by StormShadow
Fri Jan 23, 2015 11:06 pm
 
Forum: Personal Consumer Issues
Topic: Anyone else love reading textbooks?
Replies: 82
Views: 2867

Re: Young Couple Need Advice

Due to my car being a gas hog, I usually drive the lady's vehicle when I can. This is difficult, however, since it is in such bad shape cosmetically and I don't really want patients + physicians seeing me in it. Kind of silly, but the way they treat you is much different. I want to avoid this. Atte...
by StormShadow
Fri Jan 23, 2015 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Couple Need Advice
Replies: 21
Views: 2174

Re: Young Couple Need Advice

Due to my car being a gas hog, I usually drive the lady's vehicle when I can. This is difficult, however, since it is in such bad shape cosmetically and I don't really want patients + physicians seeing me in it. Kind of silly, but the way they treat you is much different. I want to avoid this. Atte...
by StormShadow
Fri Jan 23, 2015 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Couple Need Advice
Replies: 21
Views: 2174

Re: Should I open a Roth IRA ?

The income limits to contribute to a Roth IRA are based on the calendar year you plan to contribute to it. If you plan to contribute to a 2014 Roth IRA, then the income limit is based upon how much you made in 2014. (Btw, you have until April 15, 2015 <tax day> to contribute to a year 2014 IRA.) For...
by StormShadow
Thu Jan 22, 2015 12:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I open a Roth IRA ?
Replies: 25
Views: 1907

Re: good time to invest in a Reit Index fund?

I tilt to REIT's in my tax deferred accounts due to their historically low correlation with most other stocks and bonds. Made the decision several years ago right around the time they took clobbering from the '08-'09 subprime mortgaging disaster. Performance was pretty rocky at first, which I expect...
by StormShadow
Tue Jan 20, 2015 11:54 pm
 
Forum: Investing - Theory, News & General
Topic: good time to invest in a Reit Index fund?
Replies: 40
Views: 4586

Re: Taking advantage of the Euro's decline

Traveling in Europe should be cheaper for Americans at least for the time being.

If you really want to roll the speculation dice on Europe/Asia... load up on Russian roubles. Giddiyap.
by StormShadow
Mon Jan 19, 2015 8:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking advantage of the Euro's decline
Replies: 8
Views: 841

Re: "Wining and dining" in medical community

Drug rep dinners. That's about as close to the "wining and dining" I get.
by StormShadow
Sun Jan 18, 2015 7:38 pm
 
Forum: Personal Consumer Issues
Topic: "Wining and dining" in medical community
Replies: 35
Views: 3568

Re: What Movie Have You Recently Watched?

Guardians of the Galaxy. A mix of Firefly and Star Wars gone bad. I would classify this as a slasher film, as the music from '70s and '80s was hacked in ways that would make the original composers turn over in their graves.* The music was also used as background for some the action scenes. Ugh. It ...
by StormShadow
Sun Jan 18, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 563
Views: 68874

Re: Can't purchase Index funds at Ameriprise?

Ameriprise offers actively managed funds so they can justify their exorbitant fees. Makes perfect sense to me.

Now, ask me why you would pay such fees to invest with Ameriprise? I have no clue. I don't recommend it.
by StormShadow
Sat Jan 17, 2015 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't purchase Index funds at Ameriprise?
Replies: 11
Views: 977

Re: Why invest in International funds? It's a mystery

NotRetiredYet wrote:Just because a company is selling its products and services to overseas buyers, that shouldn't mean that your portfolio has international exposure. Does it?

No, its when a company you invest in is not based in the United States, that should mean you are investing in an international company.
by StormShadow
Sat Jan 17, 2015 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10724

Re: Why invest in International funds? It's a mystery

I invest in international funds for two reasons. First, as mentioned by others, over the long haul having ~20% of your portfolio invested in international can reduce risk with greater returns. Second, and more simply... have you looked at the stocks that make up the vanguard total international stoc...
by StormShadow
Sat Jan 17, 2015 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10724

Re: I have to leave Ameriprise

Ameriprise IRA Invesco Balanced-Risk Allocation Fund Class C ABRCX 7.69% $67,234.90 Prudential Jennison Equity Income Fund Class C AGOCX 5.02% $43,830.23 Invesco Select Companies Fund Class A ATIAX 3.10% $27,076.92 Federated Capital Income Fund Class A Shares CAPAX 1.08% $9,411.62 First Eagle Globa...
by StormShadow
Tue Jan 13, 2015 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have to leave Ameriprise
Replies: 22
Views: 3116

Re: Dazed, Confused and Upset

Next time you visit your advisor in his stately mahogany office, do admire the woodwork and compliment him on it, as well as on his watch and his car. You could add a “You're welcome,” too. After all, you paid for all of it. My advice... don't bother talking to the advisor. You've made him enough m...
by StormShadow
Tue Jan 13, 2015 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Dazed, Confused and Upset
Replies: 63
Views: 6350

Re: What Movie Have You Recently Watched?

Quite possibly the greatest movie ever made... Guardians of the Galaxy. :mrgreen: :mrgreen: :mrgreen:
by StormShadow
Mon Jan 12, 2015 10:03 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 563
Views: 68874

Re: Financ[ing] My Son's Law School

Sorry if this was already mentioned.

One benefit of directly paying part/all of his school tuition and avoiding student loans... Paying tuition directly does not trigger a gift tax.
by StormShadow
Mon Jan 12, 2015 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Financ[ing] My Son's Law School
Replies: 65
Views: 4494

Re: Bogleheads 2015 Hedge Fund Contest

Thanks for setting this up, Norbert! :beer
by StormShadow
Sun Jan 11, 2015 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 126
Views: 11335

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

Huzzah! Third place! :beer

Could have finished higher, but someone "The Price is Right"-ed me soon after my bid. :annoyed

Prediction: 1930.14 :wink: (incorporates my daughter's birthday)
by StormShadow
Sun Jan 04, 2015 2:13 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19922

Re: Bogleheads 2015 Hedge Fund Contest

Finally get to participate in this! :mrgreen: Name: Cobra Kai, LLC Company motto: "We believe in striking first, striking hard and without mercy." Long : BKS - Barnes & Noble CVX - Chevron HL - Hecla Mining Short : AVNR - Avanir Pharmaceutical ISIS - Isis Pharmaceutical SWHC - Smith &a...
by StormShadow
Sun Jan 04, 2015 2:06 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 126
Views: 11335

Re: Stacked up some more silver bullion today

Stacking seems like it could be a fun hobby and the coins are attractive if stored properly. And who knows you can wake up one day and silver spikes and your hobby actually turns a profit, not many hobbies can actually make money. Maybe I should try it. Exactly, its fun. I used to collect comic boo...
by StormShadow
Thu Jan 01, 2015 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11057

Re: Stacked up some more silver bullion today

Just got a 20 oz roll of American Silver Eagles. Spot price is $15.69/oz. Who's your favorite vendor? I've only used APMEX so far. Seems to be one of the most popular and recommended online dealers to purchase precious metals. They also accept credit card. I think they charge higher premiums as com...
by StormShadow
Thu Jan 01, 2015 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11057

Re: Stacked up some more silver bullion today

Just got a 20 oz roll of American Silver Eagles. Spot price is $15.69/oz.

If it creeps below $15, I might have to get another 20 oz.

Sure its market timing, but I enjoy stacking! :mrgreen:
by StormShadow
Thu Jan 01, 2015 9:57 am
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11057

Re: Documentaries to recommend?

The Bridge (2006) - haunting and controversial film due to the subject matter. Basically, a guy sets up a video camera watching the Golden Gate Bridge for a year looking for jumpers. Film is mixed with interviews of various friends and family of those who died. Some TV documentaries (miniseries styl...
by StormShadow
Sat Nov 29, 2014 6:04 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 127
Views: 14865

Re: Life changing decision... advice needed!

It's time for you to decide whether you are more strepto (chained to others) or more coccus (interpretation up to you), and to run with it, and the rest be damned. http://forums.watchuseek.com/attachments/f381/1033730d1365021565-finally-high-end-watch-call-my-own-sticker-375x360.u2.png For the reco...
by StormShadow
Sat Nov 29, 2014 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life changing decision... advice needed!
Replies: 91
Views: 10844

Re: Would you move/stay for better school district?

As long as the new area is still safe with a decent public school district, I think its fine. When I was growing up, pretty much all of the extracurricular activities I participated in had no association with my school (e.g. church, boy scouts, tae kwon do, soccer, orchestra, tennis and foreign lang...
by StormShadow
Sat Nov 29, 2014 9:44 am
 
Forum: Personal Consumer Issues
Topic: Would you move/stay for better school district?
Replies: 55
Views: 4815

Documentaries to recommend?

I find that I enjoy documentaries even more than regular movies nowadays. Here are a couple that I've liked. Ivory Tower (2014) - discusses the current student loan crisis Inside Job (2010) - features the global market crash of 2008 Word Play (2006) - about people who are obsessed with crossword puz...
by StormShadow
Fri Nov 28, 2014 10:39 pm
 
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 127
Views: 14865

Re: Favorite nonfiction books

Better by Atul Gawande

Freakonomics + SuperFreakonomics by Levitt and Dubner

Liar's Poker by Michael Lewis
by StormShadow
Fri Nov 28, 2014 12:52 am
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10546

Re: Why should I avoid REITs?

I have about 10% in REITs. I like them for a couple of reasons.

1. I am currently renting and don't own any property. REITs are a simple way to directly invest into real estate market.

2. It has a relatively low correlation with the S&P 500.

3. Who doesn't like dividends?
by StormShadow
Thu Nov 27, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why should I avoid REITs?
Replies: 59
Views: 8951

Re: Investing in 100 Words

3 words: bogleheads dot org.
by StormShadow
Wed Nov 26, 2014 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in 100 Words
Replies: 19
Views: 1978

Re: Stuck with an active high ER fund! SHOULD I SELL??

Personally, I'd cut my losses and just make the transition.

Alternatively, you could try going halfway. Switch half over to Vanguard and keep the other half with the PIMCO fund. Then see what happens over the next couple of years.
by StormShadow
Wed Nov 26, 2014 4:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stuck with an active high ER fund! Should I sell ??
Replies: 9
Views: 699

Re: Buying a Computer. Need recommendations.

chaz wrote:I like ASUS.

+1

Best performance for the money, IMO.
by StormShadow
Wed Nov 26, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Buying a Computer. Need recommendations.
Replies: 52
Views: 5238

Re: Made a huge mistake, need help

I consider a Vanguard stock index fund (such as Total Stock Market or S&P 500) to be LESS risky than a savings account. Sorry, but I wouldn't consider any stock fund to be less risky than a savings account. Today with a savings account one is guaranteed to only lose 1.67% to inflation each year...
by StormShadow
Sun Nov 16, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a huge mistake, need help
Replies: 50
Views: 10149

Re: Made a huge mistake, need help

TomTX wrote:I consider a Vanguard stock index fund (such as Total Stock Market or S&P 500) to be LESS risky than a savings account.

Sorry, but I wouldn't consider any stock fund to be less risky than a savings account.
by StormShadow
Sat Nov 15, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a huge mistake, need help
Replies: 50
Views: 10149

Re: Made a huge mistake, need help

Still Waters wrote:Any advice for a nervous nellie who always seems to make the wrong choices?

Simple. Don't invest in the stock market until you know what your risk tolerance is.

If you find that you don't have any risk tolerance, then don't invest in the stock market.
by StormShadow
Fri Nov 14, 2014 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a huge mistake, need help
Replies: 50
Views: 10149

Re: Your favorite classic toys for kids

Dungeons and Dragons
GI Joe action figures (3.75" version)
Slot cars and electric race track
Legos
Aircraft models
Monopoly
Comic books
Stuffed animals when I was really young

Nintendo and computer games, of course.
by StormShadow
Wed Nov 12, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Your favorite classic toys for kids
Replies: 89
Views: 5618
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