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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: 25
Views: 1314

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: 170

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: 582

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: 1377

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: 582

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: 582

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: 553

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: 34
Views: 3239

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: 104
Views: 3668

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: 3995

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: 3995

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: 1822

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: 49
Views: 5719

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: 49
Views: 5719

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: 962

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: 962

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: 962

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: 2339

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: 2339

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: 3369

Re: Separating 5-10 yr investments from retirement portolio

I don't recall any crashes of 50% that didn't take several months to play out and down to that level. I was invested in 1987, too, so I know about some one day crashes. Does anybody really believe that a stock portfolio will drop 50% in one week? And yes, I hear folks telling me about that just bec...
by Triple digit golfer
Sun Jan 25, 2015 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Separating 5-10 yr investments from retirement portolio
Replies: 26
Views: 1561

Re: Separating 5-10 yr investments from retirement portolio

So, how's this: 401(k) and Roth IRA (total balances $170k) $151k equity funds - retirement $19k bond funds - retirement Taxable (total balance $90k) $20k equity fund - retirement $70k intermediate term bond funds - to be used over next 5 years New contributions (90/10 for retirement) 401(k) and Rot...
by Triple digit golfer
Sun Jan 25, 2015 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Separating 5-10 yr investments from retirement portolio
Replies: 26
Views: 1561

Re: Why not invest in bond fund in taxable account?

Landy,

Under that scenario, what happens if the market crashes when I need the money? I'm out of luck, it seems.

How would new contributions be invested? I wouldn't want to invest new money at 73/27. 100% equities, as my short and intermediate term needs are already covered?
by Triple digit golfer
Sun Jan 25, 2015 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2661

Re: Separating 5-10 yr investments from retirement portolio

I'd hold out that $70k in intermediate term tax-exempt bonds* and not consider the $70K part of my 90/10 retirement money. I'd invest the other $20k in taxable in stocks as part of the 90/10 retirement money. As for future contributions, I'd split it as above as well (retirement and not-retirement)...
by Triple digit golfer
Sun Jan 25, 2015 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Separating 5-10 yr investments from retirement portolio
Replies: 26
Views: 1561

Re: Separating 5-10 yr investments from retirement portolio

You already have $90K in taxable which will more than cover the $70,000 of expenses you listed. Not during a crash. If you definitely want to get married and get the house regardless of what the market does, I would not go this route. I don't have a problem with the theory of all one bucket, but yo...
by Triple digit golfer
Sun Jan 25, 2015 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Separating 5-10 yr investments from retirement portolio
Replies: 26
Views: 1561

Re: Separating 5-10 yr investments from retirement portolio

How would I manage my money using the "one bucket" strategy? Separate based on goals? Something like this? I have $120k in 401(k), $50k in IRA, $90k in taxable, total of about $260k. I'm maxing out 401(k), Roth IRA, and saving an additional $2,000/month in taxable, currently just going in...
by Triple digit golfer
Sun Jan 25, 2015 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Separating 5-10 yr investments from retirement portolio
Replies: 26
Views: 1561

Re: Why not invest in bond fund in taxable account?

The difference in potential return on $30K, by departmentalizing money and by holding 20% (LS Income or similar), is relatively irrelevant in the grand scheme of all. I would do the following: 1. Determine the overall risk level (Equity/Fixed split) to take with savings -- this is MOST important. 2...
by Triple digit golfer
Sun Jan 25, 2015 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2661

Re: Separating 5-10 yr investments from retirement portolio

We never did keep anything separate. It has always been one big portfolio. Sure, one could keep things separate, but what's the real point? Let me give you an example. Suppose you are saving $200K for a home improvement/downpayment and $30K for a car. You are 3 years into it and you have $80K and $...
by Triple digit golfer
Sun Jan 25, 2015 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Separating 5-10 yr investments from retirement portolio
Replies: 26
Views: 1561

Re: Why not invest in bond fund in taxable account?

What I really want to do is this, for simplicity and mental accounting purposes: Keep separate "retirement" accounts and all other money - emergency fund, cash needed for near future large or one-time purchases, down payment money for my next house (3 years, maybe), allowance for home rep...
by Triple digit golfer
Sun Jan 25, 2015 9:39 am
 
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2661

Re: Why not invest in bond fund in taxable account?

Thanks guys. I'm in the 25% tax bracket. So Kevin, does it make more sense to hold Life Strategy Income or 80/20 Intermediate Term Tax Exempt/Total Stock? Ignore for now the international equity considerations. I'm also considering 80/20 Intermediate Term Treasury/Total Stock due to the lack of corr...
by Triple digit golfer
Sun Jan 25, 2015 12:17 am
 
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2661

Re: Why not invest in bond fund in taxable account?

Thanks for the comments. What I really want to do is this, for simplicity and mental accounting purposes: Keep separate "retirement" accounts and all other money - emergency fund, cash needed for near future large or one-time purchases, down payment money for my next house (3 years, maybe)...
by Triple digit golfer
Sat Jan 24, 2015 8:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2661

Why not invest in bond fund in taxable account?

Say someone has some money that he may need to use in 3-5 years that he wishes to take a bit of risk on in order to potentially gain a higher return. Why worry about whether the bond is taxable or not? A savings account has taxable interest and nobody thinks twice about it most of the time. A case c...
by Triple digit golfer
Fri Jan 23, 2015 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: Why not invest in bond fund in taxable account?
Replies: 23
Views: 2661

Re: Short term taxable investment- Disadvantage to Muni fund

I'm in a similar situation. I have about $30k that I'll need in 2-3 years. Right now it's sitting in an Ally savings account earning 0.99%. I was considering putting it into Vanguard Limited Term Tax Exempt bond fund and hoping to squeak out some additional income. Or even Vanguard Intermediate Term...
by Triple digit golfer
Fri Jan 23, 2015 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short term taxable investment- Disadvantage to Muni fund?
Replies: 9
Views: 513

Size and style tilts - diversification discussion

I was thinking about size and style tilts. I think a case could be made that value tilts don't offer the same diversification that size tilting does. My logic, or maybe lack thereof, is best explained with an example: If one tilts to small caps, an argument could be made that the portfolio is more d...
by Triple digit golfer
Thu Jan 22, 2015 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Size and style tilts - diversification discussion
Replies: 3
Views: 310

Re: My strange little hobby

I have a personalized note and signature from Mr. Bogle from winning the Bogleheads contest of predicting the ending value of the S&P 500 a few years back. I treasure that note and signature. He is a hero to me and I admire him not only for his investing wisdom, but his morals as a human being. ...
by Triple digit golfer
Thu Jan 22, 2015 4:20 pm
 
Forum: Personal Consumer Issues
Topic: My strange little hobby [Collecting signatures]
Replies: 19
Views: 2426

Re: cat water fountain

All cats will become dehydrated and get kidney problems if they only eat dry food. Cats need to eat wet food. It's where they get their hydration. They will not drink enough water if they're only on dry food; they have a very low thirst drive, but their bodies need water! Please, cat owners, before...
by Triple digit golfer
Wed Jan 14, 2015 1:44 pm
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4676

Re: cat water fountain

All cats will become dehydrated and get kidney problems if they only eat dry food. Cats need to eat wet food. It's where they get their hydration. They will not drink enough water if they're only on dry food; they have a very low thirst drive, but their bodies need water! Please, cat owners, before ...
by Triple digit golfer
Tue Jan 13, 2015 8:20 am
 
Forum: Personal Consumer Issues
Topic: cat water fountain
Replies: 75
Views: 4676

Re: boglehead workout

Stronglifts 5x5 or Starting Strength. Any program where you use barbells and progressive overload. I messed around in the gym for years and didn't get as far as I got doing this for three months. Eventually I switched to the 5/3/1 program. Currently I squat around 350, bench 265, deadlift 425 at a b...
by Triple digit golfer
Tue Jan 13, 2015 8:17 am
 
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 4538

Re: Changing asset allocation

There are a couple of ways to look at this. In 2007 you were new, didn't know your risk tolerance and you didn't mention that the crash bothered you so maybe it didn't. Looking at it that way, you now know more about your risk tolerance and you have more experience and knowledge. A change to 90/10 ...
by Triple digit golfer
Sun Jan 11, 2015 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing asset allocation
Replies: 13
Views: 709

Re: Changing asset allocation

Is there a big reason to add equities until I'm at 90/10 vs rebalancing now and then adding new money at 90/10? It will take a few years, which I'm fine with, but just wondering what your experiences and opinions are.
by Triple digit golfer
Sun Jan 11, 2015 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing asset allocation
Replies: 13
Views: 709

Re: Changing asset allocation

Lack_ey, I expect 90/10 to outperform 80/20 over the next ten years and going forward. Nedsaid, It's not that I'm a hero and it has nothing to do with the bull market. It's that I've been investing for several years and feel more experienced now. I took the recommendations made here and started at 8...
by Triple digit golfer
Sun Jan 11, 2015 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing asset allocation
Replies: 13
Views: 709

Re: Changing asset allocation

Hoping to get some thoughts on my situation. Thanks.
by Triple digit golfer
Sun Jan 11, 2015 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing asset allocation
Replies: 13
Views: 709

Changing asset allocation

I'm currently 30 years old with just over $200k in retirement assets. When I began investing in 2007, I didn't know what I wanted my asset allocation to be, so I started with a target date fund. After some research and reading on the Bogleheads before I joined here in 2009, I settled on 80/20 only b...
by Triple digit golfer
Sun Jan 11, 2015 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Changing asset allocation
Replies: 13
Views: 709

Re: Any men here get their wedding band on Amazon?

VictoriaF wrote:Amazon should bundle $17 male wedding bands with mail-order brides to qualify for free shipping.

Victoria


If you could tell me how a $300 tungsten ring's quality is better than the $17 ring's quality, then I'll gladly spend $300.
by Triple digit golfer
Wed Jan 07, 2015 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3707

Re: Rolling over fiance's old 401(k)

jsl11 wrote:It looks like those are dividends on the holdings in the account. They are broken down into two categories: employee contributions and employer match. It is like two subaccounts within the account. Each subaccount pays dividends.


Ah, I see! Makes sense. Thank you.
by Triple digit golfer
Wed Jan 07, 2015 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over fiance's old 401(k)
Replies: 2
Views: 202

Rolling over fiance's old 401(k)

My fiance has an 401(k) plan with an old employer from 2010. There's only about $2,100 in it. I would like to roll it over to Vanguard, but I'm hestitant because I see this in the contributions twice a year: 12/29/2014 Hide Details for FID FREEDOM K 2050 FID FREEDOM K 2050 DIVIDEND $58.87 3.603 Sour...
by Triple digit golfer
Wed Jan 07, 2015 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over fiance's old 401(k)
Replies: 2
Views: 202

Re: Any men here get their wedding band on Amazon?

OP, I recently ordered the same exact ring that you're interested in. It looks fantastic but it's very uncomfortable when you try to close your fingers or make a fist. The ring will dig into your pinky and middle finger. The ring will feel fine when your fingers are spread apart like when you're ty...
by Triple digit golfer
Tue Jan 06, 2015 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3707

Re: Any men here get their wedding band on Amazon?

Isn't it her job to buy a wedding band for you? Why do you have to worry about it? Regarding the titanium and other harder metals for rings, keep in mind that if you injure your finger and it has to be cut off it is a serious pain in the arse. Gold is like butter in comparison to the harder metals....
by Triple digit golfer
Tue Jan 06, 2015 9:26 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3707

Re: Any men here get their wedding band on Amazon?

Wow, thank you all for sharing your experiences and opinions.

I am probably going to buy the $17 ring. It's essentially risk-free anyway.
by Triple digit golfer
Tue Jan 06, 2015 1:34 pm
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3707

Any men here get their wedding band on Amazon?

I am looking to get my wedding band on Amazon. I really like the looks of this one, and I like the $17 price tag as well: http://www.amazon.com/Tungsten-Carbide- ... B008KUYHWO Is there anything I should be concerned about? The reviews are great, the price is great, it has a nickel binder (which I'v...
by Triple digit golfer
Tue Jan 06, 2015 8:22 am
 
Forum: Personal Consumer Issues
Topic: Any men here get their wedding band on Amazon?
Replies: 66
Views: 3707
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