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Re: Which is the better option?

Looking at that international fund, it is almost all large cap (only 2% mid cap and 0% small cap) and more than half of that is in the Morningstar growth box (leaving less than half split between the blend and value boxes). Explain that in a fund named "International Value". Has this mana...
by Triple digit golfer
Sun Mar 30, 2014 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Which is the better option?
Replies: 6
Views: 414

Re: Which is the better option?

If I had to chose between active international of active bond, I'd generally chose active international (no real reason, it's just more interesting to me). 3 basis points isn't a huge difference, so what ever you chose, it will be ok. Maybe look at the S&P SPIVA numbers to see which active asse...
by Triple digit golfer
Sat Mar 29, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the better option?
Replies: 6
Views: 414

Re: Which is the better option?

I would probably choose to hold the good international fund (option 2). I'm not sure it is going to make a big difference though. Thank you for your reply. I just worry that GNMA and TIPS are not a good substitute for TBM. However, it's no guarantee that my actively managed international fund is go...
by Triple digit golfer
Sat Mar 29, 2014 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the better option?
Replies: 6
Views: 414

Which is the better option?

I use my 401(k) and Roth IRA. In order to keep my 80/20 stock/bond ratio and my 70/30 U.S./international stock ratio, I have to do one of the following (due to placement of funds, etc.): A. Have slightly over half of my international stock in an actively managed fund in my 401(k) at an expense ratio...
by Triple digit golfer
Sat Mar 29, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which is the better option?
Replies: 6
Views: 414

Re: Portolio evaluation

1) Consider maxing out the 401(k). 2) Instead of the high cost bond funds in the 401(k), maybe buy I bonds outside of the tax advantaged accounts or increase TBM while reducing TISM in Roth IRA and hold some Total International in taxable. Regarding #2, wouldn't buying taxable funds probably be wor...
by Triple digit golfer
Sat Feb 08, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Portolio evaluation
Replies: 3
Views: 322

Portolio evaluation

I like to re-visit this every year or so just to see how I'm doing and get any opinions. Cash in checking/savings/CDs: $80k, which is emergency fund, future big purchase fund, appliance fund, home repair/remodel fund, down payment for next house fund, etc. $47k is earning 3%, rest is earning around ...
by Triple digit golfer
Fri Feb 07, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portolio evaluation
Replies: 3
Views: 322

Re: How do you define "emergency fund?"

Lots of good thoughts here. I also like the wiki article linked above. Always learning!
by Triple digit golfer
Tue Feb 04, 2014 9:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you define "emergency fund?"
Replies: 32
Views: 2728

How do you define "emergency fund?"

Most of us agree that an emergency fund will cover expenses in the case of a job loss or other unexpected catastrophe. The problem for some is that they consider buying a new furnace when theirs is 25 years old an "emergency." I have enough in what I call my emergency fund to cover about e...
by Triple digit golfer
Mon Feb 03, 2014 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you define "emergency fund?"
Replies: 32
Views: 2728

Re: Where to put extra money?

I don't see the reason for paying off the car loan. I am only paying 0.50% and I'm earning more than that in my savings account. Paying off the car loan to save extra money would be worse than I'm doing now, which is earning 0.85% and paying 0.50% on the current loan. If I could borrow for less than...
by Triple digit golfer
Mon Feb 03, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2460

Re: Where to put extra money?

I opened up a 5-year PenFed CD at 3%. Seems like a heck of a deal in this environment. Thanks for the suggestions, all!
by Triple digit golfer
Sun Feb 02, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2460

Re: Where to put extra money?

Kevin,

Thanks a lot for your posts.

I am not eligible to join PenFed. It looks like I could join National Military Family Association or Voices for America's Troops and pay a one-time fee of $15 or $20.

That's it? No catch? No recurring fees or anything?
by Triple digit golfer
Thu Jan 30, 2014 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2460

Re: Where to put extra money?

How about Vanguard Limited Term Tax Exempt bond fund (VMLTX)?

Seems to be a pretty safe investment and exempt from income taxes.

Or Vanguard Short-Term Investment Grade (VFXTX)?

Or any of the other bond funds that are low-risk?
by Triple digit golfer
Thu Jan 30, 2014 11:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2460

Re: Where to put extra money?

Also, my goal is to not lose money, while taking a mild to moderate risk in the short to intermediate term (about 5 years) with the hopes of beating savings/CD returns. To me, this screams bonds. But in a taxable account, I'm trying to determine if it's even worth it, or if savings/CDs earning 1-1.5...
by Triple digit golfer
Thu Jan 30, 2014 9:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2460

Re: Where to put extra money?

Help me out here. What does all that mean?

I'm in the 25% tax bracket. How would equal earnings from the following funds be taxed?

$1,000 on Total Stock Market fund
$1,000 on Total Bond Market fund
$1,000 on LifeStrategy Income fund

In the meantime I'll be Googling...
by Triple digit golfer
Thu Jan 30, 2014 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2460

Re: Where to put extra money?

Thanks for your input. I don't definitely need the money in five years. I have $80k and I anticipate needing a few thousand at a time for my larger purchases, but I won't be needing $50k in five years or anything. If I put $40k in a taxable investment to save for a house and it performs poorly, I'd ...
by Triple digit golfer
Thu Jan 30, 2014 9:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2460

Re: Where to put extra money?

How about a Vanguard bond fund? Are bond funds bad choices for taxable investments compared to CDs or savings? Not nowadays since the yield on bond funds are so low plus they may lose money, so there is the possibility of tax-loss harvesting. Some folks get excited about a 2% to 3% CD, but I do not...
by Triple digit golfer
Thu Jan 30, 2014 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2460

Re: Where to put extra money?

Have you entertained the idea of a taxable account invested tax-efficiently in index funds like the Total US Market index fund and the Total International Market index fund? The money could be used for anything and over the long term should be expected to do much better than 3.375%. I've thought ab...
by Triple digit golfer
Thu Jan 30, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2460

Where to put extra money?

I am hoping for some guidance here. I wasn't sure whether to put this in the investing section or this one. I'm sorry if this is long-winded, but I don't want to leave out any details. I am 28, almost 29, and single, but probably will be engaged in the near future. My girlfriend has no debt and abou...
by Triple digit golfer
Thu Jan 30, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Where to put extra money?
Replies: 24
Views: 2460

Re: [Sad news - Pat Larimore]

Taylor,

My deepest sympathies to you and your family on the loss of your wife.

-Mark
by Triple digit golfer
Fri Jul 19, 2013 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 15422

Re: Invest more in 401(k) or pay down mortgage?

Am I completely overthinking this? I think maybe you are, a little. It is easy to get into our minds just what we want and that makes everything else seem sub-standard. But you need to rearrange your brain to think of in a different way. Rather than trying to pick the perfect portfolio (if all thin...
by Triple digit golfer
Sun Dec 30, 2012 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 3299

Re: Invest more in 401(k) or pay down mortgage?

Thanks, retiredjg. That sounds good. The way I have it now, here will be my balances at the end of 2013 if I just add in current portfolio plus new contributions: 401k: 56.25% $61,487 S&P 500 index (0.83% ER) 8.53% $9,323 American Century Ginnie Mae (1.14% ER) Roth IRA: 18.75% $20,496 Vanguard T...
by Triple digit golfer
Sun Dec 30, 2012 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 3299

Re: Invest more in 401(k) or pay down mortgage?

Don't use any international in your 401k . This is a no-brainer. It would raise your overall costs and lower your international diversification. There is no harm at all in using the GNMA or stable value (or one of the other choices) in your 401k as part of your bond allocation. Don't get so fixated...
by Triple digit golfer
Sun Dec 30, 2012 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 3299

Re: Invest more in 401(k) or pay down mortgage?

Or...another option. Use one of the crappy international funds in my 401k and reduce international in IRA, and therefore I'll be able to keep all my bonds in Total Bond Market: Thornburg International Value (1.57% ER) - large growth American Funds Capital World Growth and Income (1.28% ER) - large b...
by Triple digit golfer
Sun Dec 30, 2012 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 3299

Re: Invest more in 401(k) or pay down mortgage?

I think I am going to rebalance as follows (ballpark figures assuming I have exactly $52k in 401k and $33k in IRA - close enough): 401k: 56.25% $47,813 S&P 500 index (0.83% ER) 4.93% $4,187 American Century Ginnie Mae (1.14% ER) Roth IRA: 18.75% $15,938 Vanguard Total International Admiral Share...
by Triple digit golfer
Sun Dec 30, 2012 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 3299

Re: Invest more in 401(k) or pay down mortgage?

Wow, you guys are great. I've said it before, this forum has the most intelligent, kind posters on the internet, period. I think what Retiredjg is saying makes sense for me. The one extra payment on the mortgage won't hurt, and it's a nice "help me sleep at night" thing even though it may ...
by Triple digit golfer
Sat Dec 29, 2012 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 3299

Re: Invest more in 401(k) or pay down mortgage?

How about this one: Let's say it's 2038, I'm 53 years old, have four years left on the mortgage, and enough money in retirement accounts to pay off my mortgage, retire, and live a happy 40 years in retirement with my 20 year-old supermodel wife. HOWEVER, I can't start drawing on my retirement money ...
by Triple digit golfer
Sat Dec 29, 2012 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 3299

Re: Invest more in 401(k) or pay down mortgage?

Thank you, everybody. I won't reply to each post but I did read them all - and they all seem to be along the same theme - the interest I'd save would be less than I'm making in the 401(k). Pretty much what I figured, but just wanted some outside input. So do you think I should stop even paying the a...
by Triple digit golfer
Sat Dec 29, 2012 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 3299

Invest more in 401(k) or pay down mortgage?

Hi everybody, I'm trying to decide whether to keep my retirement contributions as high as they are or instead use some of it to pay off my mortgage sooner. I also would like to know what to do about my international allocation - details to follow. Emergency funds: $24,000 (easy 6+ months of expenses...
by Triple digit golfer
Fri Dec 28, 2012 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest more in 401(k) or pay down mortgage?
Replies: 37
Views: 3299

Re: Buying a home - closing costs

Thanks everybody. That was helpful.
by Triple digit golfer
Sun Jul 29, 2012 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a home - closing costs
Replies: 4
Views: 655

Buying a home - closing costs

I am in the process of buying a townhouse. I am pretty set on everything except the closing costs of the loan. My dad told me to figure around $3,000 total for lender fees, title transfer, recording fees, etc. OK, so far so good. Now I research lenders. One lender charges lender fees of $850. Anothe...
by Triple digit golfer
Sun Jul 29, 2012 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a home - closing costs
Replies: 4
Views: 655

Re: Stronglifts 5x5 program

Stoptothink and CaliJim,

Thanks for the words. I am sticking with perfect form. If my form goes south, I lighten the load. I have been making progress. Just six or eight weeks ago there's no way I could do 175 for 5x5.
by Triple digit golfer
Fri Jan 20, 2012 9:02 am
 
Forum: Personal Consumer Issues
Topic: Stronglifts 5x5 program
Replies: 32
Views: 3223

Re: Stronglifts 5x5 program

Squats are not easy. I'm at 175 now and it's getting very difficult. I weigh 145.

There are guys squatting 2-2.5x their weight for reps. It's insane how strong your quads could get.

If I get to the point where I'm repping 225, I'll be ecstatic.
by Triple digit golfer
Thu Jan 19, 2012 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Stronglifts 5x5 program
Replies: 32
Views: 3223

Re: Stronglifts 5x5 program

How's everyone doing on the SL program? I started a week or two after the OP, but just finished my 12th workout last night. I'm really enjoying it so far and have definitely noticed that my squat has gotten a lot better and I "feel" stronger. I can see that I'll probably max out on the OH...
by Triple digit golfer
Thu Jan 19, 2012 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Stronglifts 5x5 program
Replies: 32
Views: 3223

Re: credit card rebate trickery (Chase BP Visa and PNC)

All I know is that the BP Visa blows now. It blows as of March 1st, yeah. :annoyed Until the change goes into effect it's still my best option, so now comes the calculation of exactly how much gas do I have to buy to end up with just over $25 in rewards that I'll redeem before March 1st and then fi...
by Triple digit golfer
Wed Jan 18, 2012 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 6214

Re: Boglehead food cost Poll

I am between moderate and liberal cost. Which do I pick?
by Triple digit golfer
Wed Jan 18, 2012 7:50 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead food cost Poll
Replies: 85
Views: 4173

Re: credit card rebate trickery (Chase BP Visa and PNC)

$2333.33 would get you a $3.50 per gallon discount. he best you could get is $0.15 per gallon discount on up to 20 gallons. So after $100 of spending, you'll get your next 20 gallons at $0.15 off. There is no free 20 gallons. It is impossible to get a $3.50 per gallon rebate. UNLESS!!! - You're jus...
by Triple digit golfer
Wed Jan 18, 2012 6:55 am
 
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 6214

Re: credit card rebate trickery (Chase BP Visa and PNC)

That is incorrect. The price per gallon affects the savings percentage. You get EITHER 15 cents off per gallon on up to 20 gallons for every $100 spent OR A $15 credit for every $1.00 in cents per gallon (which is earned at $666.67 of BP purchases) What does the $2,333.33 and 666.67 have to do with ...
by Triple digit golfer
Tue Jan 17, 2012 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 6214

Re: credit card rebate trickery (Chase BP Visa and PNC)

I didn't read the BP Visa one closely yet, but it appears to me that it's simply 15 cents per gallon. I'm sure I missed some fine print or some other little trickery in the details. That's the tricky part. My first reading was 15 cents per gal and I thought that was not much less than 5%. The way i...
by Triple digit golfer
Tue Jan 17, 2012 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 6214

Re: credit card rebate trickery (Chase BP Visa and PNC)

I didn't read the BP Visa one closely yet, but it appears to me that it's simply 15 cents per gallon.

I'm sure I missed some fine print or some other little trickery in the details.
by Triple digit golfer
Mon Jan 16, 2012 9:04 am
 
Forum: Personal Finance (Not Investing)
Topic: credit card rebate trickery (Chase BP Visa and PNC)
Replies: 47
Views: 6214

Re: Fat, Sick, and Nearly Dead

Fiber doesn't cause weight loss. Fiber causes some people to feel fuller and therefore eat fewer calories. Eating fewer calories than one burns is the only thing I know of that actually causes weight loss.
by Triple digit golfer
Sun Jan 15, 2012 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Fat, Sick, and Nearly Dead
Replies: 68
Views: 6543

Re: Older? Are you going to die in the next five years?

Thanks.

I'm too young for all of those. I'll check back in 40 years. :)
by Triple digit golfer
Sun Jan 15, 2012 9:47 am
 
Forum: Personal Consumer Issues
Topic: Older? Are you going to die in the next five years?
Replies: 27
Views: 2704

Re: Older? Are you going to die in the next five years?

Thanks, ERDoc, for the free depression.
by Triple digit golfer
Sun Jan 15, 2012 8:40 am
 
Forum: Personal Consumer Issues
Topic: Older? Are you going to die in the next five years?
Replies: 27
Views: 2704

Re: Older? Are you going to die in the next five years?

kaneohe wrote:did you read the first line? Each bubble represents a prognosis calculator. Click on a bubble to view the calculator.


Yeah but the names of the calculators threw me off.

So there are a bazillion calculators. Gotcha.
by Triple digit golfer
Sun Jan 15, 2012 8:40 am
 
Forum: Personal Consumer Issues
Topic: Older? Are you going to die in the next five years?
Replies: 27
Views: 2704

Re: Costco & Bogleheads' Information Helpful

I bought a TV there but then returned it because I found the same model in a bigger size that I originally couldn't find anywhere. It was hassle free. It came with a little packet with their warranty information, if I recall.
by Triple digit golfer
Sun Jan 15, 2012 8:39 am
 
Forum: Personal Consumer Issues
Topic: Costco & Bogleheads' Information Helpful
Replies: 47
Views: 4076

Re: Older? Are you going to die in the next five years?

Am I the only one who has no freaking clue how to work that site? Which bubble do I click? What the heck do they all mean?
by Triple digit golfer
Sun Jan 15, 2012 2:38 am
 
Forum: Personal Consumer Issues
Topic: Older? Are you going to die in the next five years?
Replies: 27
Views: 2704

Re: Costco & Bogleheads' Information Helpful

I buy the following at Costco and like all of it:

3 lb Kirkland almonds
3 lb Kirkland walnuts
10 lb Perdue frozen boneless skinless chicken breasts
10 lb Quaker oats
4 lb Wyman's frozen wild blueberries
Kirkland Raisin Bran
by Triple digit golfer
Sun Jan 15, 2012 2:34 am
 
Forum: Personal Consumer Issues
Topic: Costco & Bogleheads' Information Helpful
Replies: 47
Views: 4076

Re: my review of the "Sure Things" of 2011

I actually think it's pretty easy to forecast the stock market . :) Actually, forecasting really is easy. The hard part is, as Larry noted here, "accurate forecasting." :) Yes, that's what I was referring to. It was easy for me. http://www.lostsprings.com/diehards/contest/archive/2011/ind...
by Triple digit golfer
Fri Jan 13, 2012 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: my review of the "Sure Things" of 2011
Replies: 14
Views: 1494

Re: my review of the "Sure Things" of 2011

I actually think it's pretty easy to forecast the stock market.

:)
by Triple digit golfer
Fri Jan 13, 2012 7:26 pm
 
Forum: Investing - Theory, News & General
Topic: my review of the "Sure Things" of 2011
Replies: 14
Views: 1494

Re: Who are the Bogleheads .. Part II

That's good stuff. Great work, Dale! These are what really set this place apart: If you are trying to develop your asset allocation plan, you can ask the Bogleheads for help. You will enjoy reading this forum because of its civility and the willingness of members to help each other. The Bogleheads o...
by Triple digit golfer
Mon Jan 09, 2012 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Who are the Bogleheads .. Part II
Replies: 36
Views: 3760
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