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Re: Why do Vanguard sell anything other than SP500 Index fun

The S&P 500 is nothing more than an index tracking approximately 500 of the largest U.S. companies by market capitalization. It accounts for roughly 75% of the U.S. stock market. Other asset classes and equity sectors can and do beat it over certain time periods and will continue to beat it over...
by Triple digit golfer
Wed Feb 25, 2015 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard sell anything other than SP500 Index fund?
Replies: 18
Views: 1837

Re: How much did you have saved up for retirement at age 30?

I'm turning 30 on Thursday.

I currently have $174,000 in 401(k) and Roth IRA.
I have another $34,000 in a taxable investment account and $74,000 in savings/CDs.

My fiance (same age as me) has about $2,000 in savings, $7,000 in 401(k), and $3,000 in a rollover IRA.
by Triple digit golfer
Tue Feb 24, 2015 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 168
Views: 11178

Re: What % of your gross income do you spend on mortgage/ren

9.15%

Numerator: PITI and association fees. Includes one additional principal payment per year that I choose to pay.
Denominator: Mine and fiance's gross income excluding my discretionary bonus

If I include just my gross income, it's 12.36%.
by Triple digit golfer
Mon Feb 23, 2015 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8686

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

But this fund falls far short of its "total market" title. There is a lot of nonsense in that article, but this takes the cake. This quote is blatantly false. By definition, the fund invests in the "total market." It seems that Mr. Merriman wishes to redefine "total market&...
by Triple digit golfer
Thu Feb 19, 2015 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Why Vanguard Total Stock Market isn’t the best fund...fleet
Replies: 5
Views: 1211

Re: Recommend a general U.S. history book

Thanks for the posts and suggestions, everybody.

Crimsontide,

I was never really interested in school, so I did just enough to get by in school. Now I'm almost 30 and becoming interested in learning more. I feel like I probably have some serious gaps to fill.
by Triple digit golfer
Wed Feb 18, 2015 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Recommend a general U.S. history book
Replies: 22
Views: 1108

Recommend a general U.S. history book

I am embarrassed to say that when it comes to my country's history, I am ignorant. I know very little about the formation of the country and its history since. I am looking to read a good, complete, U.S. history book, one that will present all of the major historical events, wars, and give me a good...
by Triple digit golfer
Wed Feb 18, 2015 10:08 am
 
Forum: Personal Consumer Issues
Topic: Recommend a general U.S. history book
Replies: 22
Views: 1108

Re: Extended car warranty - worth it?

I agree that these are written for the benefit of the issuer or else how would they stay in business. I bought a Honda Accord and purchased an extended warranty for 8 years/120,000 miles. Before deciding, I asked the sales person, "If this is worth it to me as you claim it is, how do you guys ...
by Triple digit golfer
Tue Feb 17, 2015 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Extended car warranty - worth it?
Replies: 30
Views: 1840

Re: Quick question on tax-advantaged space

Either method leaves us with more than $120,000 in taxable. Is there a reason not go with with Plan B here? I don't see one unless there will be no emergency fund if/when you spend the $120k. I was considering that. I think for now, I feel comfortable having $100k+ in taxable and still adding to it...
by Triple digit golfer
Fri Feb 13, 2015 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1129

Re: Quick question on tax-advantaged space

Over the next several years, by my calculations posted yesterday, I'll need somewhere around $120,000. Right now I have $72k in savings/CDs and another $32k in Vanguard Total International Stock Index. Plan A: Keep doing what I'm doing (not maxing her 403b) and add about $2,000 per month to savings....
by Triple digit golfer
Fri Feb 13, 2015 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1129

Re: Quick question on tax-advantaged space

I currently don't have a Plan C. Why take out a car loan if less than 3%? Assuming a five-year loan, where am I going to get a guaranteed 3% or thereabout? Many car loans are cheaper than 3%. Penfed has a 60 month new car loan at 2.25%. Just borrow the $12K instead of using your roth, and invest th...
by Triple digit golfer
Thu Feb 12, 2015 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1129

Re: Quick question on tax-advantaged space

How much in emergency fund or short term reserves do you currently have and do you have any firm cash needs? If you have 5K emergency fund you may want to save more a month than if you currently have 50K emergency fund. With 50K emergency fund and no firm plans for large downpayment or car purchase...
by Triple digit golfer
Thu Feb 12, 2015 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1129

Re: Quick question on tax-advantaged space

Is there a plan C? Robbing your Roth account is a terrible idea. That should only happen in an emergency after other options have been exhausted. Max tax-advantaged accounts, put the surplus in taxable. Take out a car loan if <= 3% If you need more cash for a big purchase (e.g., house down payment)...
by Triple digit golfer
Thu Feb 12, 2015 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1129

Re: Quick question on tax-advantaged space

Here's what we're currently doing: $18,000 max his 401(k) $5,500 max his Roth IRA $5,500 max her Roth IRA $6,300 her 403(b) <-----tax-advantaged space remaining! $24,000 to savings account for short-term savings goals Would it make sense to do the following instead: $18,000 max his 401(k) $5,500 ma...
by Triple digit golfer
Thu Feb 12, 2015 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1129

Re: Quick question on tax-advantaged space

rkhusky wrote:You can pull Roth IRA contributions out tax and penalty free (earnings have to remain), but do so only in an emergency.


This was always my line of thinking as well. In that case, you'd go with Plan A in my situation?
by Triple digit golfer
Thu Feb 12, 2015 2:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1129

Quick question on tax-advantaged space

I understand and agree with filling up tax-advantaged space first for investing. What about general short-term savings goals? New car fund, house down payment fund, and so on. Typically people say to use a savings account, money market, or short-term bond fund. I agree with that. What i'm unsure of ...
by Triple digit golfer
Thu Feb 12, 2015 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Quick question on tax-advantaged space
Replies: 26
Views: 1129

Re: Where to buy nice men's dress shirts?

Wow, thanks to all for the recommendations! The department stores I was referring to are Kohl's and J.C. Penney. I've had the Croft & Barrow and Van Heusen brands and both make me feel like a used car salesman. They're just cheap looking - and this is coming from a very non-snobby person. I am a...
by Triple digit golfer
Thu Feb 12, 2015 8:26 am
 
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6104

Where to buy nice men's dress shirts?

I like wearing decent dress shirts to work. I notice a definite difference in quality and longevity in shirts purchased from department stores compared to shirts purchased from Joseph A. Bank and Men's Wearhouse. That said, I don't like spending $100 for two shirts. I'm willing to spend $25-35 per s...
by Triple digit golfer
Wed Feb 11, 2015 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6104

Re: Asset Allocation Advice

How much are you contributing per year?

Unless your 401(k) is REALLY bad, it's probably best to contribute to it before a taxable account, assuming the money is for retirement.
by Triple digit golfer
Wed Feb 11, 2015 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Advice
Replies: 8
Views: 447

Re: Niagra Falls!

1. Yes, you need passports. This is relatively new. The cards are cheaper and they are acceptable if you not flying. 2. I wouldn't recommend it, but you can. It can get pretty crowded. It's nothing like I imagined - it's almost like a giant carnival. 3. Niagara Falls State Park (U.S.), Maid of the M...
by Triple digit golfer
Tue Feb 10, 2015 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Niagara Falls!
Replies: 29
Views: 974

Re: [Challenging my 401k plan]! How should I respond?

It's tough to convince people, even smart people, that 1. Low cost is better than high cost (i.e. you get what you DON'T pay for) 2. Index funds are superior to actively managed funds (tough to answer the question "why WOULDN'T you want somebody managing your money for you?!") I am the Con...
by Triple digit golfer
Tue Feb 10, 2015 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: [Challenging my 401k plan]! How should I respond?
Replies: 29
Views: 2398

Re: Ice dams - windows leaking

Thanks for the replies. The guy said he looked around the attic and it's not a roof problem. The water was getting between the gutters and siding. What should I do, other than having them re-wrap the siding? Should I be concerned about damage inside my walls? If I understand correctly, water got ins...
by Triple digit golfer
Sun Feb 08, 2015 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Ice dams - windows leaking
Replies: 12
Views: 1313

Ice dams - windows leaking

I came home Friday to see my all three of my bedroom windows leaking. Water was coming in through several spots, and at the worst spot, a regular sized drinking glass was filling up every 15 minutes. I called my homeowners' association late that night and luckily, they sent somebody out at 11 p.m. a...
by Triple digit golfer
Sun Feb 08, 2015 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Ice dams - windows leaking
Replies: 12
Views: 1313

Re: Emergency Fund / Property Taxes

Toons and rustymutt,

Do you use the Vanguard Short Term Investment Grade bond fund in a taxable account?
by Triple digit golfer
Fri Feb 06, 2015 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund / Property Taxes
Replies: 10
Views: 730

Re: $10,000 lump sum into VTIAX?

It's only $10,000. It can't throw anything out of whack that much. If it does, then you don't have a large enough nest egg saved up for it to really matter at this point anyway, so I say go for it if that's your only concern.
by Triple digit golfer
Thu Feb 05, 2015 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: $10,000 lump sum into VTIAX?
Replies: 19
Views: 1222

Re: How do you balance frugality and life?

Excellent posts and great perspective, everybody. I read every single one of them, plus EmergDoc's article. If I had my way, I'd live on very little, save 50%+ of my income, and retire at 50. However, if I did that I'd be 50 and single with nothing to do and potentially 40+ years to do it, because ...
by Triple digit golfer
Tue Feb 03, 2015 4:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you balance frugality and life?
Replies: 50
Views: 5381

Re: How do you balance frugality and life?

Excellent posts and great perspective, everybody. I read every single one of them, plus EmergDoc's article. If I had my way, I'd live on very little, save 50%+ of my income, and retire at 50. However, if I did that I'd be 50 and single with nothing to do and potentially 40+ years to do it, because t...
by Triple digit golfer
Tue Feb 03, 2015 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you balance frugality and life?
Replies: 50
Views: 5381

How do you balance frugality and life?

I feel guilty and I probably shouldn't. I am doing better than 95% of the population when it comes to saving, investing, and all around frugality. Still, compared to some Bogleheads and the people at Mr. Money Mustache, I'm not doing nearly what I'm capable of doing. I'm an amateur compared to some ...
by Triple digit golfer
Tue Feb 03, 2015 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you balance frugality and life?
Replies: 50
Views: 5381

Re: Dividing investment between spouse's and own 401ks

After ensuring the full employer match in each, overall portfolio asset allocation and expenses are what's important. If that means $2k in one and $18k in the other, so be it. If one is s really good, low cost plan with investment options you desire and the other is not, then invest only the minimum...
by Triple digit golfer
Mon Feb 02, 2015 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividing investment between spouse's and own 401ks
Replies: 4
Views: 304

Re: First Time Dog Owners -- Any Regrets?

Do you love dogs?

What would you do if your dog had an emergency that required a $3,000 surgery?
by Triple digit golfer
Mon Feb 02, 2015 2:31 pm
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5928

Re: Loan Terms -- Helping a friend going through Divorce?

If he's a friend and you want to keep it that way, for crying out loud, do not present him with a spreadsheet and charge fees. Either tell him the terms and hope he pays or tell him you can't lend him the money. If you do it your way, unless he's as big a financial stickler as you are (doubtful; you...
by Triple digit golfer
Sun Feb 01, 2015 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 32
Views: 2168

Re: Bogleheads portfolio using John Hancock funds

Use the SsGA International Equity Index and you have your three. I believe that it excludes emerging markets, though.

Do you have any other investments? IRA or taxable account?
by Triple digit golfer
Sat Jan 31, 2015 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads portfolio using John Hancock funds
Replies: 2
Views: 194

Re: Mortgage paydown vs. investing if moving soon

To answer some of the questions: I max my 401(k) and Roth IRA. My fiance maxes her Roth IRA but not her 403(b), putting $6,300/year in. We're currently putting away around $40k after my 401(k) employer match. Additionally, we are saving about $2,000 per month outside of those investments, currently ...
by Triple digit golfer
Sat Jan 31, 2015 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage paydown vs. investing if moving soon
Replies: 8
Views: 631

Re: POLL: Prepay car loan (1.75%)

Gropes & Ray wrote:I voted to invest, but then I remembered that I paid off a 1.49% loan 18 months early because I wanted to free up the cash flow. There was no safe investment to keep the money in for 18 months that paid more than 1.49%


How does paying off a loan early free up cash flow?
by Triple digit golfer
Fri Jan 30, 2015 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Prepay car loan (1.75%)
Replies: 29
Views: 1460

Re: Mortgage paydown vs. investing if moving soon

I wouldn't be putting money I needed in 4 years in the stock market unless I had a lot of extra money in a taxable account. I also wouldn't pre pay cheap debt into an illiquid investment like a house if I expected to need that money in four years. You may find yourself in a down market and need to ...
by Triple digit golfer
Fri Jan 30, 2015 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage paydown vs. investing if moving soon
Replies: 8
Views: 631

Mortgage paydown vs. investing if moving soon

I know that typically, the answer is to invest rather than pay down a mortgage, especially with a low rate (mine is currently 3.375% fixed). What if I plan on moving in 3-4 years and purchasing a more expensive home? Put the money into stocks and I might lose 30% of it. Put it into bonds and I proba...
by Triple digit golfer
Fri Jan 30, 2015 5:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage paydown vs. investing if moving soon
Replies: 8
Views: 631

Re: Is it unusual to have NO index fund options in 403(b)?

It's common. I have a 401(k) and my lowest cost option is an S&P 500 index fund charging 0.83%.

My fiance's 403(b) has just one index option, a small cap fund charging 0.50%.
by Triple digit golfer
Fri Jan 30, 2015 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it unusual to have NO index fund options in 403(b)?
Replies: 10
Views: 599

Re: 2.875% mortgage pay-off financially justifiable?

Of course it's financially justifiable. You'd be getting a guaranteed 2.875% return and you'd own your home outright. Are there better alternatives? Possibly. But additional potential return does not come without risk. To say it's not financially justifiable is the same as telling somebody with mone...
by Triple digit golfer
Fri Jan 30, 2015 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: 2.875% mortgage pay-off financially justifiable?
Replies: 35
Views: 3862

Re: Wiki comments requested: The importance of asset allocat

I like the first one better. It is good as is, but if I were picky, I would recommend phrasing it something like this: Asset allocation is one of the most important decisions an investor must make, having a significant impact on one's investment risk and return. How an investor allocates between sto...
by Triple digit golfer
Thu Jan 29, 2015 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 208
Views: 10292

Re: Just purchased 2015 maximum EE Series Bonds

Thank you all for the clarification.
by Triple digit golfer
Tue Jan 27, 2015 8:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 4128

Re: Just purchased 2015 maximum EE Series Bonds

3.53%? I see 0.10%. What am I missing?
by Triple digit golfer
Tue Jan 27, 2015 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 4128

Re: Bank adviser did some terrible advising...Help please

Get it out now. It makes no sense to try to recoup losses. She has X dollars right now. Put those X dollars in the right place.
by Triple digit golfer
Tue Jan 27, 2015 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bank adviser did some terrible advising...Help please
Replies: 25
Views: 1865

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

May be I didnt get his point, but VG (founded by him) gave me a 4 fund portfolio: Stock(US:INT = 70:30) and Bond(US:INT = 80:20). I am now confused! Should I change my allocation or ignore his advice? There is no perfect portfolio. Your portfolio is a well-diversified, good portfolio that will serv...
by Triple digit golfer
Tue Jan 27, 2015 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6431

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

I understand the thinking in saying that there's no need to invest internationally because the U.S. is an international economy. But instead of asking "why invest internationally?" shouldn't the question really be "Why not invest in an additional 5,800+ companies, including BP, Shell,...
by Triple digit golfer
Tue Jan 27, 2015 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 6431

Re: S&P 500 Index Fund in 403(b)

If I added the small and mid cap funds to approximate the Total Stock Market, would I allocate it like this? 82% - SSGA S&P 500 INDEX - SVSPX - 0.17 11% - COLUMBIA MID CAP INDEX Z - NMPAX - 0.20 7% - COLUMBIA SMALL CAP INDEX Z - NMSCX - 0.20 Close enough. Did you run the Instant X-Ray and see h...
by Triple digit golfer
Tue Jan 27, 2015 2:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Index Fund in 403(b)
Replies: 13
Views: 1031

Re: S&P 500 Index Fund in 403(b)

Thanks to all! @triple digit golfer - I will take a look at the link you provided. @sschullo - Only if my plan included Vanguard Total Stock, Total Bond and Total International. That would be great! You have a couple pretty decent bond options in there (PIMCO Total Return and Vanguard ST Federal), ...
by Triple digit golfer
Tue Jan 27, 2015 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Index Fund in 403(b)
Replies: 13
Views: 1031

Re: S&P 500 Index Fund in 403(b)

If your goal is to approximate the total U.S. stock market, the S&P 500 is a fine choice. You'll get about 75% of the investable market. From this very forum. Orange is total stock market, blue is S&P 500. http://i59.tinypic.com/if1x89.png In your situation, I'd probably consider the 403b my...
by Triple digit golfer
Tue Jan 27, 2015 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: S&P 500 Index Fund in 403(b)
Replies: 13
Views: 1031

Re: How do I utilize a VG Taxable account?

My fiance rolled over an IRA and it says "Rollover IRA Brokerage" after her name. I'm very confused because it says they're still awaiting the rollover check. However, I know they have the check because the account value started off exactly the amount of the check, which Vanguard otherwis...
by Triple digit golfer
Mon Jan 26, 2015 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I utilize a VG Taxable account?
Replies: 19
Views: 2371

Re: How do I utilize a VG Taxable account?

I have a taxable account with Vanguard and it is not a brokerage account. I opened it a few weeks ago. I think it is just a general savings account. I have it invested in Vanguard Total International Stock Index. My fiance rolled over an IRA and it says "Rollover IRA Brokerage" after her n...
by Triple digit golfer
Mon Jan 26, 2015 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do I utilize a VG Taxable account?
Replies: 19
Views: 2371

Re: Happy Birthday Taylor!

Happy Birthday to a great guy! They just don't make 'em like Taylor anymore. Respectful, kind, and courteous.

Best wishes for a great birthday and many more, Taylor!
by Triple digit golfer
Sun Jan 25, 2015 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 51
Views: 3616
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