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Re: What is your credit score?

Like I said I don't know. Went to Sears to see if I could open a card to get a deal on buying something, I was refused. I laugh at the person telling him I'm worth over 2m and you wont give me a card. It's probably better you don't know what "the person" was thinking in their head as you ...
by Twins Fan
Thu Mar 05, 2015 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 54
Views: 2963

Re: 3 Month EF Funded, Next Priority?

You say there's $21k left on the car loan early and later say there's $16.5k left on the car loan? Either way, if you throw an extra $5-8k a year at it, it could be gone fairly quickly. But, I would look at it as how much in total interest would you save by doing that. At a 0.90% interestst rate, yo...
by Twins Fan
Thu Mar 05, 2015 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: 3 Month EF Funded, Next Priority?
Replies: 2
Views: 200

Re: What is your credit score?

I'm guessing the OP didn't expect the competition to be so tough? :happy Yes, this is probaby the wrong place to be bragging about a high credit score. Most on Bogleheads are likely to have a high credit score and probably don't even care about having that high score. Once one gets into what they ca...
by Twins Fan
Thu Mar 05, 2015 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 54
Views: 2963

Re: Past, present, and future of Berkshire - Annual letter

By the average investor?? Maybe, but "average" could mean different things to different folks. Many may be overconfident in even thinking they're average. I'm not average as an investor, well below it probably, have no interest in reading up on business models or managers, and really like ...
by Twins Fan
Sat Feb 28, 2015 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: Past, present, and future of Berkshire - Annual letter
Replies: 29
Views: 2397

Re: Do you consider mortgage payments as savings?

That is true... no complete guarantee on anything.

Okay, maybe it comes down to saving money is some way, or spending it like Charlie Sheen on drugs and hookers? :D

It all depends on how one views it, I suppose. My mortgage feels more like a bill to me though.
by Twins Fan
Sat Feb 28, 2015 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 317
Views: 12937

Re: Do you consider mortgage payments as savings?

I don't know that the saving as building home equity holds water. Not all the time at least. Sure, the housing market goes up over the long haul usually. But, I bet there's a lot of folks in and around Detroit, for example, that would say paying a mortgage as a form of savings is a bunch of rubbish....
by Twins Fan
Sat Feb 28, 2015 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 317
Views: 12937

Re: Should I buy service time for retirement?

So in three years, I will have the option to buy 3 years of service credits. This would essentially allow me to retire ten years from now after putting in 17 years as a Police Officer and get credit for 20 years of service. Our pension system works with a 2.8% multiplier, so I would be getting 8.4%...
by Twins Fan
Sat Feb 28, 2015 2:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy service time for retirement?
Replies: 7
Views: 1032

Re: Do you consider mortgage payments as savings?

Short answer.... no, I don't call it savings. If I had enough money to just pay cash for my house when I got and did so, did I just save all that money or did I buy something for an agreed upon price? Since many folks don't have the cash on hand to buy a home outright, they take out a mortgage to bo...
by Twins Fan
Sat Feb 28, 2015 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 317
Views: 12937

Re: Portfolio Advice Appreciated

I think we should be asking you for advice. Nicley done to you both! :sharebeer I don't see any issues besides his Roth IRA and sounds like her Trad IRA. That/those look to be spread really thin, with some overlap going on, and high fees. I agree with moving and simplifying those. Otherwise looks go...
by Twins Fan
Tue Feb 24, 2015 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Appreciated
Replies: 5
Views: 389

Re: Best Bond Diversifier

prk, did it really take you 6 1/2 years to think of those follow up questions? :wink: :happy TBM also has short and long term bonds. But, the overall duration of the fund ends up being an intermediate term. The two are pretty similar duration wise, and either one would work fine as a bond fund in mo...
by Twins Fan
Tue Feb 24, 2015 11:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Best Bond Diversifier
Replies: 16
Views: 2860

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

At 30.... absolutely zero. Retirement saving hadn't even crossed my mind yet. I was a late starter at almost 40 before even thinking aobut it. OP, don't compare yourself to Bogleheads. This isn't a collection of average savers here. Learn from them, but trying to compare will only discourage you. Sa...
by Twins Fan
Tue Feb 24, 2015 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 12501

Re: Please take a look at my financial world - am I doing ok

I think the investments side of it is fine. Simple, low cost, and I also say you're well above "average".

The difference between his and hers ... we're talking 10 basis points give or take. I wouldn't sweat that or lose any sleep over it. Either or there, IMO.
by Twins Fan
Mon Feb 23, 2015 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please take a look at my financial world - am I doing ok?
Replies: 19
Views: 1810

Re: General Advice

Oh, my bad. I didn't know that about Traditional IRAs if not covered by a work plan. That could be a way for you to defer some taxes. But, the $5500 contribution limit kind of makes that a... meh, fairly small dent. It would save $1k plus a little in taxes for the year, but the Roth gives the option...
by Twins Fan
Mon Feb 23, 2015 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: General Advice
Replies: 3
Views: 412

Re: Please take a look at my financial world - am I doing ok

I would call $25k in CC debt an emergency. Pay that off and get rid of those monthly payments. Who cares if it's at 0% and you're patient. That needs to go away, IMO. That would free up monthly cash for you and daycare is over soon. If anything come up, it's not like you don't know how to use a cred...
by Twins Fan
Mon Feb 23, 2015 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please take a look at my financial world - am I doing ok?
Replies: 19
Views: 1810

Re: Admiral Shares

When you get to $10k, they will give you an option to convert to Admiral shares. You just click some buttons and they do it all for you. Too easy.
by Twins Fan
Mon Feb 23, 2015 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares
Replies: 4
Views: 309

Re: How much has Bogleheads contributed to your net worth?

I also had trouble putting a number on it. I would liked to have seen a choice of "a lot". :happy Like others have said, I think I had some natural Boglehead tendencies... found it easy to save, lived below my means, and disliked debt. Although, I did not start early! :oops: After a divorc...
by Twins Fan
Mon Feb 23, 2015 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4132

Re: General Advice

I was going to say, $100k salary and $675/mo in rent plus food and other usual bills, you should be able to save a ton! Looks good so far, nice use of low cost funds. Your taxable will probably start to take over soon due to Roth contributions limits, so you may need to adjust as you go there. You a...
by Twins Fan
Mon Feb 23, 2015 1:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: General Advice
Replies: 3
Views: 412

Re: Car Accident Question

Why was the birth date involved? Just as an odd coincidence, the police were at my house last night, checking out a reported burglary next door (it is likely the alarm system malfunctioned) and the officer asked for my birth date. I phoned the police station afterwards and asked about that, and tha...
by Twins Fan
Sun Feb 22, 2015 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Question
Replies: 27
Views: 1454

Re: Car Accident Question

Yep, just check with that police department. Did you get the officer's name? You could probably just leave a message for him/her to give you a call. Or, they can check their log or records for you. From the sounds of the posts though, there was no police accident report made... not getting all info ...
by Twins Fan
Sun Feb 22, 2015 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Question
Replies: 27
Views: 1454

Re: Car Accident Question

Call them up and say, nevermind... I was just kidding. :D

If you have already started that deal and have uninsured motorist coverage, let insurance do its thing.
by Twins Fan
Sun Feb 22, 2015 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Question
Replies: 27
Views: 1454

Re: Car Accident Question

Well, insurance companies like their money.... :happy Rate increases are definitely a concern. I've heard of people's rates going up even after a not at fault accident with a police report saying that and all. May have been more to the story, but I don't doubt it either. If it's minor damage and you...
by Twins Fan
Sun Feb 22, 2015 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Question
Replies: 27
Views: 1454

Re: Property Advice?

I'd say it sounds like you should keep it. You're doing well and it's barely costing you anything. It kind of sounds like you enjoy the place for a get away or solitude spot. Down the road it could become more than just a rental spot or land with a trailer... retirement spot to build a house on?? Yo...
by Twins Fan
Sun Feb 22, 2015 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Property Advice?
Replies: 6
Views: 392

Re: Car Accident Question

You said yourself the responsible party part is up for debate and there's no police report. Taking this to court is probably a waste of time because it's just your side against theirs. Do you have uninsured motorist coverage as part of your insurance? Hopefully yes, so let your insurance do its thin...
by Twins Fan
Sun Feb 22, 2015 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Car Accident Question
Replies: 27
Views: 1454

Re: John Bogle on International Investing

Steve Dunn's remarks about international vs. domestic investments (and slice & dice) are interesting in regards to this discussion, originally found at: http://socialize.morningstar.com/NewSocialize/forums/t/162377.aspx ORDER OF IMPORTANCE IN MANAGING ONE'S FINANCIAL AFFAIRS: As a rather sluggi...
by Twins Fan
Sun Feb 22, 2015 11:13 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15047

Re: John Bogle on International Investing

I think it's ridiculous to discount Bogle's own advice that people figure this out for themselves. I think it is ridiculous that you think that is ridiculous.... because no one has discounted that advice. Well, except those that are pro-international and say those that think otherwise are wrong. :w...
by Twins Fan
Sun Feb 22, 2015 11:07 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15047

Re: The Distribution of Individual Stock Returns, 1983-2006

I think the cap-weighed part is the key. Someone posted a chart over in the Bogle on international thread (I don't know how to move just the chart here) that showed the winners of all the countries over so many years. Was it Sweden, Denmark, South Africa, and one more for the top four that were clea...
by Twins Fan
Sat Feb 21, 2015 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: The Distribution of Individual Stock Returns, 1983-2006
Replies: 20
Views: 1792

Re: John Bogle on International Investing

The media and this board give Bogle guff for it every time he discusses his view on international. When Bogle changed his view a bit on the things like the "Total Bond" fund, he has been willing to talk about it, despite the criticisms from the peanut gallery. Trying to argue that Buffett...
by Twins Fan
Sat Feb 21, 2015 8:01 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15047

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 Twins Fan
Fri Feb 20, 2015 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: In our situation, how much would you put in your 2014 Roths?
Replies: 19
Views: 1141

Re: Should you always/usually go with the lower expense rati

There is a time... those active managers don't make their money out of thin air. :D The folks that buy into the sales pitch though, or jump onto the hot fund... Most bogleheads are not paying those active managers though. In similar threads, I believe there are some boglheads that do hold an active ...
by Twins Fan
Fri Feb 20, 2015 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should you always/usually go with the lower expense ratio?
Replies: 20
Views: 1199

Re: Should you always/usually go with the lower expense rati

The active managed fund that has truly outperformed the index for 10 years (and there have been a few) is probably near the end of its run and you're jumping on board just in time for the down slope. I.E... everyone else has already heard about it and has been on board for the ride up. Those types o...
by Twins Fan
Fri Feb 20, 2015 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should you always/usually go with the lower expense ratio?
Replies: 20
Views: 1199

Re: Why don't I see more people arguing for a world portfoli

When I see a lot of people list their portfolios I notice that a lot of it is US-heavy. However US does not make up the most market capitalization from a worldwide perspective. So why is this the case? How are you figuring or measuring that? Here is Vanguard's total world stock index... i.e. the wo...
by Twins Fan
Fri Feb 20, 2015 4:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why don't I see more people arguing for a world portfolio?
Replies: 41
Views: 2832

Re: Why don't I see more people arguing for a world portfoli

When I see a lot of people list their portfolios I notice that a lot of it is US-heavy. However US does not make up the most market capitalization from a worldwide perspective. So why is this the case? How are you figuring or measuring that? Here is Vanguard's total world stock index... i.e. the wo...
by Twins Fan
Fri Feb 20, 2015 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why don't I see more people arguing for a world portfolio?
Replies: 41
Views: 2832

Re: John Bogle on International Investing

You make it sound like Bogle and Buffett are frozen in time, incapable of seeing how 'enlightened' it is to be a global investor. Bull. I know... Like they're a couple of complete dolts that refuse to even look into international investing because they're old and American??? These area couple of gr...
by Twins Fan
Fri Feb 20, 2015 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15047

Re: Does it cost money to update AA?

It shouldn't... it could depend on your plan and funds if there are any fees involved though. But, no tax costs moving things around in the 401k.
by Twins Fan
Fri Feb 20, 2015 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does it cost money to update AA?
Replies: 6
Views: 546

Re: John Bogle on International Investing

You make it sound like Bogle and Buffett are frozen in time, incapable of seeing how 'enlightened' it is to be a global investor. Bull. I know... Like they're a couple of complete dolts that refuse to even look into international investing because they're old and American??? These area couple of gr...
by Twins Fan
Fri Feb 20, 2015 2:42 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15047

Re: Eek - I was terminated!! Quick Questions

Yep, throwing $4k at the car loan doesn't make the payment go a way or down. Keep that cash on hand during the transition to the new job. Or, start an emergency fund with it! :wink: Should be no issues or tax implications simply rolling the 401k over to a traditional IRA. Give Vanguard a call and th...
by Twins Fan
Thu Feb 19, 2015 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eek - I was terminated!! Quick Questions
Replies: 21
Views: 3019

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

I agree with the article that there is little difference between total stock and the S&P 500. Of course we all know that. I don't agree that "full diversification" or whatever it's hinting at without actually explaining what it means equals tilting to small value or value. I call that ...
by Twins Fan
Thu Feb 19, 2015 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why Vanguard Total Stock Market isn’t the best fund...fleet
Replies: 5
Views: 1214

Re: VWENX huge hit today! [Vanguard Wellington Admiral]

OK, was it a huge hit or a HUGE hit? As it turns out,... niether. :happy OP, if you've been at this for over a quarter century, you have seen much worse "huge hits" than even the mistake posted yesterday. Keep calm, don't overreact, and don't do something... just stand there. :happy
by Twins Fan
Thu Feb 19, 2015 11:59 am
 
Forum: Investing - Theory, News & General
Topic: VWENX huge hit today! [Vanguard Wellington Admiral]
Replies: 40
Views: 3730

Re: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)

I changed my plan around probably a dozen time at least when I started out... from simple target date funds, to individual funds, to large cap v small cap, to US or international (how much), to 50/50, to 100/0, to 75/25, to.... you get the point. :happy You may do the same. It's really not a huge de...
by Twins Fan
Thu Feb 19, 2015 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)
Replies: 90
Views: 3539

Re: How best to use gifted 25k. . .

Hmmm, so you just got a $25k gift, have savings goals, and want to make some breathing room each month.... what is one to do?! :wink: :happy Keep this simple... You should absolutley be using this gifted money to fill both Roth accounts! Gifted i.e. untaxted money to you into accounts where earnings...
by Twins Fan
Thu Feb 19, 2015 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: How best to use gifted 25k. . .
Replies: 25
Views: 1865

Re: Keep buying regardless of price movement?

Therefore, I ask about energy sector as I am clueless about it. It is often said in Bogleheads, don't invest in things you don't understand... Oop, too late. :wink: :happy If you really do plan to buy and hold and keep it long term for dividend reinvestment, minor price differences now likely matte...
by Twins Fan
Thu Feb 19, 2015 7:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep buying regardless of price movement?
Replies: 17
Views: 2026

Re: Should I amend last year's 2013 tax return?

I also have a rental home and had a similar situation with 2013 taxes that way. Although, I have my taxes done by someone. In 2013 I/we did not claim enough, or the usual amount in depreciation. Caught it this year while doing taxes and just amended 2013 taxes rather than claiming some extra depreci...
by Twins Fan
Thu Feb 19, 2015 7:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I amend last year's 2013 tax return?
Replies: 5
Views: 653

Re: Large Age Gap with Spouse/Partner

Let's keep the cart behind the horse for a bit, huh, before we go off on social security tangents. The OP is still hoping but unsure if the marriage and kid thing is going to happen with this guy. One step at a time. :wink:
by Twins Fan
Wed Feb 18, 2015 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5170

Re: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)

BuyHighSellLow wrote:This is great, thanks!

Edit: Wow, the difference between 90/10 and 80/20 is not as great as I thought.


Jeez, if only someone(s) had told you that earlier, huh? :wink: :happy
by Twins Fan
Wed Feb 18, 2015 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)
Replies: 90
Views: 3539

Re: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)

You're looking at the examples you gave all wrong, OP. First, if you only have $100 you shouldn't be investing in stocks since you likely need that to live on. :happy But, if you're an accumulator and have an extra $100 a week or month to invest, you should hope for a 50% drop so you can buy more sh...
by Twins Fan
Wed Feb 18, 2015 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)
Replies: 90
Views: 3539

Re: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)

I am in this for the long haul and fully expect to take some hits now and again. But I am okay with that as long as everything is sound and I know that it's the mathematically optimal long-run strategy. No such thing as "optimal" until it's over and you know what the numbers were. The cor...
by Twins Fan
Wed Feb 18, 2015 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 80% stock/20% bonds? Or 90% stock/10% bonds? (Age 28)
Replies: 90
Views: 3539

Re: John Bogle on International Investing

What's the saying about when experts don't agree... it likely matters little. Let's just be clear here, expert(s) don't disagree. Bogle disagrees. Find me others. Bernstein, Swedroe, Ferri, or even the long lost Troutner? And in terms of Bogle, I'm not sure what would necessarily qualify him as an ...
by Twins Fan
Wed Feb 18, 2015 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15047

Re: Total Stock Market Index Fund

To answer a question with a question.... Would this be a rebalancing move, is it time to shift AA more to bonds according to plan, or is this a market timing move? :wink: At 15% of your portfolio, it likely matters little either way. If you don't need the money, it isn't for rebalancing, or a planne...
by Twins Fan
Wed Feb 18, 2015 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Index Fund
Replies: 4
Views: 731

Re: John Bogle on International Investing

Groan ... so over a 40-year period it didn't help. Great. Over that same period bonds did't help either. Let's just jettison everything that didn't win over the last 40-year period, ignoring all of the other periods of outperformance and underperformance that happened in between Now you're just bei...
by Twins Fan
Wed Feb 18, 2015 8:28 am
 
Forum: Investing - Theory, News & General
Topic: John Bogle on International Investing
Replies: 184
Views: 15047

Re: Large Age Gap with Spouse/Partner

First, keep the emotions out of the financial part. You two are both doing great. With the age difference, he should make sure to keep a goodly amount of life insurance . Keep filling your Roth and 401k, save what you can, etc. You're on the ball there. . You should be the owner of the LI on your i...
by Twins Fan
Wed Feb 18, 2015 8:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Large Age Gap with Spouse/Partner
Replies: 63
Views: 5170
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