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Re: More Aggressive AA Post Home Purchase

Once you take the money out of the portfolio to purchase the house, I would call that gone and no longer part of the portfolio. Still part of the net worth, but home and investment portfolio seperate at that point. Having been a homeowner through the recent crash and in an area not even hit all that...
by Twins Fan
Fri Oct 24, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: More Aggressive AA Post Home Purchase
Replies: 16
Views: 668

Re: More Aggressive AA Post Home Purchase

I would agree you have the ability to take risk after the home purchase. But, do you need to take addtional risk at that point? With a paid off home and a savings rate of $132k/year, I'd say you should be sitting pretty 10 years from now whichever route you choose... even going to 60/40 after purcha...
by Twins Fan
Fri Oct 24, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: More Aggressive AA Post Home Purchase
Replies: 16
Views: 668

Re: Close roth for tax deduction and open new one in same yr

I have to wonder the same things... Why would anyone want to do this, and how is this Roth invested to have significant losses and little left... in 2014?
by Twins Fan
Thu Oct 23, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Close roth for tax deduction and open new one in same yr?
Replies: 9
Views: 532

Re: Feeling very fortunate today!

What's the smile for... is the December 1st retirement back on since the markets are rebounding? No, just feeling good about the money I have put to work this past week. Don't know if it will be the best opportunity I will ever have because I can't see the future but know it was better putting it i...
by Twins Fan
Tue Oct 21, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6142

Re: Feeling very fortunate today!

What's the smile for... is the December 1st retirement back on since the markets are rebounding?
by Twins Fan
Tue Oct 21, 2014 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6142

Re: DOW Watchers Stomach Syndrome

I think this is a good thread to tie to the "what if market was open 24 hours" thread somehow. Maybe not so much Bogleheads, but that would make for lots of folks sick to their stomachs. :D
by Twins Fan
Mon Oct 20, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: DOW Watchers Stomach Syndrome
Replies: 25
Views: 2085

Re: Help Choosing Investments and Coordinating Debt Paydown

I'm with you, nelson. I can see where the numbers make sense to take out a home equity loan for a better interest rate. But, OP and spouse have learned to rely on credit too much. Learning that one can take out loans to pay off loans, and new increases in salary, and...... I see that as a potential ...
by Twins Fan
Mon Oct 20, 2014 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Choosing Investments and Coordinating Debt Paydown
Replies: 32
Views: 1404

Re: 401K changing Pimco Tot Ret to VG Int Term Bond Index. O

Yep, I wish my 457b would change from the popular Pimco fund to the VG intermediate term bond index! I also prefer the intermediate term bond index over total bond and use/hold the intermediate fund in my Roth.
by Twins Fan
Mon Oct 20, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K changing Pimco Tot Ret to VG Int Term Bond Index. OK?
Replies: 14
Views: 752

Re: Feeling very fortunate today!

I still don't see it. You have cash set aside just for this type of thing. How does that change retirement dates? Key phrase from one of those posts... Right now it is roughly 10% and maybe that is where it ends or maybe it goes to 35%. I don't know but I will wait until I do know before exiting the...
by Twins Fan
Fri Oct 17, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6142

Re: Are Vanguard's target-retirement funds too aggressive?

Asif, the reason I'm asking is because I am considering selling the current target-year in my IRA and purchasing shares of a sooner retirement date. I was reading a thread about the 2008/2009 crisis and people who were 90-100% in stocks suffered a lot. I would like to think I could handle losing 40...
by Twins Fan
Fri Oct 17, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard's target-retirement funds too aggressive?
Replies: 24
Views: 1715

Re: Are Vanguard's target-retirement funds too aggressive?

bogler, you realize the difference between 90/10 and 84/16 gains or losses, like the first post example in this one, would barely be noticeable, right?
by Twins Fan
Fri Oct 17, 2014 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard's target-retirement funds too aggressive?
Replies: 24
Views: 1715

Re: Feeling very fortunate today!

Remember last summer or spring when Starbux started a thread about having won the game and being worried about losing half, or something along those lines? Now, he's lucky to get to add more stocks??? Starbux, I think you really need to set the course of, if you won the game stop playing. Or as ment...
by Twins Fan
Fri Oct 17, 2014 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feeling very fortunate today!
Replies: 52
Views: 6142

Re: Are Vanguard's target-retirement funds too aggressive?

As past threads have pointed out about the target date funds, they can be a bit of a moving target by the companies and the strategy behind them can change any year. So, the low bond holdings could be result of the expected returns going forward from here. I don't know that for sure, just a possibil...
by Twins Fan
Fri Oct 17, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard's target-retirement funds too aggressive?
Replies: 24
Views: 1715

Re: 30-yr fixed or 7-year ARM

From the sounds of your situation, I think I would take the ARM. Seven years is a fairly long fixed term, since most first homes aren't kept that long anyway. If you did keep it as a rental or still to live there and had the availability of cash to pay it off when it adjusts, that's a pretty good pl...
by Twins Fan
Fri Oct 17, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30-yr fixed or 7-year ARM
Replies: 5
Views: 403

Re: Please help with my assest allocation I think I did it r

I would not tilt to small cap and EM, but just me there. I like to keep things really simple and the market returns, or in my case the S&P 500, are good enough. I would also take full advantage of the 4% return stable value fund. That's all I would hold for fixed income, if I were you. Especiall...
by Twins Fan
Fri Oct 17, 2014 1:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with my assest allocation I think I did it right
Replies: 12
Views: 916

Re: Does your ROTH hold risky or stable items?

Another, it depends...

My Roth is still a tier of my emergency fund, so mine holds all intermediate term index bond fund. That may and probably will change someday though.
by Twins Fan
Tue Oct 14, 2014 7:17 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3366

Re: Investing Mortgage Payments

First, let me say I'm the type to pay down the mortgage before investing extra cash and do so with plans to have no mortgage by retirement age. To play devil's advocate though.... I think one should be preparing for reduced cash flow, possible health issues or reduced abilities to earn versus additi...
by Twins Fan
Tue Oct 14, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Investing Mortgage Payments
Replies: 11
Views: 1013

Re: the importance of asset allocation

I think there is some "it depends" to it. If the OP is similar to me, just starting, accumulating, and not much skin in the game... I think contributions are much more important than being right on a 80/20 AA (for example). If account availability, fund(s) availablility, ERs trying to be k...
by Twins Fan
Tue Oct 14, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: the importance of asset allocation
Replies: 16
Views: 1476

Re: Interesting statistical observations

All kinds of contributors I'd say... jobs with pensions, good paying jobs before outsourcing, job stability, housing prices/bubbles, home ownership rate, student loan debt, savings habits, spending habits, and on and on. A lot of it probably just timing, as in when the wheel of life spits you out. :D
by Twins Fan
Fri Oct 10, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Interesting statistical observations
Replies: 8
Views: 650

Re: Roth IRA & Dollar Cost Averaging

Well, kinda simple for you since you can't contribute $10k all at once anyway (basics, starting out, no roll overs, etc). The max. contribution for 2014 is $5500 to a Roth assuming you're under 50 years of age. So, throw $5500 in now and the other $4500 in, in January... there you go DCA'd into the ...
by Twins Fan
Fri Oct 10, 2014 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA & Dollar Cost Averaging
Replies: 16
Views: 1173

Re: Headed for a 300+ point loss today?

Browser wrote:Kind of interesting how a topic that everybody is shrugging off has generated 900 views and 26 posts in about 10 minutes. Just saying....


That's because we know how interesting your threads always are. :wink:
by Twins Fan
Thu Oct 09, 2014 1:25 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28429

Re: I'm Chuck and I work at Vanguard and Invest in Active Fu

princetontiger wrote:This is dumb... I worked at a hedge fund, and I can tell you the smartest guys are not at Vanguard, they are at a mega hedge fund.


Why don't you work there any longer?.... Zing! :D
by Twins Fan
Thu Oct 09, 2014 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: I'm Chuck and I work at Vanguard and Invest in Active Funds
Replies: 44
Views: 7271

Re: 401k plan choices

I take the talk about current model in the 401k to mean it is pre-set option you can choose in your plan... like aggressive, moderate, consrevative... and the plan chooses the funds and percentages for you, and rebalances it. Notice it has all the high ER funds in it... My deferred comp plan has sim...
by Twins Fan
Thu Oct 09, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k plan choices
Replies: 11
Views: 572

Re: Ultimate Small Cap Value Portfolio...

Ulitmate, huh? That's a bold claim.

Any certain way this portfolio is divided up... any other funds, or just the two?

This thread is kinda pointless saying the ultimate portfolio and throwing out two funds.
by Twins Fan
Thu Oct 09, 2014 1:04 pm
 
Forum: Investing - Theory, News & General
Topic: Ultimate Small Cap Value Portfolio...
Replies: 26
Views: 2472

Re: Headed for a 300+ point loss today?

Dang it, and it's the off week for my deferred comp contribution! :D
by Twins Fan
Thu Oct 09, 2014 12:56 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28429

Re: Why Wouldn't You Tilt To Small Value?

What's the saying about, if experts can't agree.... :D
by Twins Fan
Thu Oct 09, 2014 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: Why Wouldn't You Tilt To Small Value?
Replies: 52
Views: 2914

Re: Paying off a 6.5% mortgage

I think it would still come down to the cash "having no place to go"... I.E. the OP does not seem to want to invest it. If the OP were to throw a chunk down to do a refinance, get a lower rate, and still let the other cash sit in savings earning an even lower rate.... why not throw down th...
by Twins Fan
Wed Oct 08, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3521

Re: Getting back into the market

With all that time to read, then you should have some idea of what set up you want. How about telling us what you have now for cash, what type of account(s) it is in, what you are thinking of to set it up, and we can advise from there.
by Twins Fan
Wed Oct 08, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting back into the market
Replies: 32
Views: 3827

Re: Help with investing questions

If your pension and part time work is equal to, or slightly more than you make now and that covers bills/expenses... you should be set. Does the pension have a cost of living adjustment as part of it? From the info given... and just to be honest... With $20k in the 401k, being a year out from retiri...
by Twins Fan
Wed Oct 08, 2014 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with investing questions
Replies: 5
Views: 251

Re: 401K fund choices, (advice)

Side dishes... I wouldn't, some would.

Since you say, 90% will be in a lox cost 3 fund set up, it seems you want to put 10% in something different. I agree it would likely come down to ERs. You will have the Vanguard REIT fund available. That would probably work for the 10%.
by Twins Fan
Wed Oct 08, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K fund choices, (advice)
Replies: 4
Views: 299

Re: When people put all their eggs in the wrong basket

Yikes, sorry for their misfortune.

A nice confirmation for me as to why I'm here though. I hadn't even heard of GT Advanced until reading this thread. I don't study businesses and their management, and don't even want to. Let alone throw it all at one company. I will take the index please.
by Twins Fan
Wed Oct 08, 2014 8:02 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 222
Views: 21984

Re: 0% Furniture Credit

molnar wrote:Any reason why I shouldn't finance the purchase?

Thanks!


Yes, it's not worth it. Others have laid out the reasons why. Just pay cash for your furniture.
by Twins Fan
Wed Oct 08, 2014 7:50 am
 
Forum: Personal Finance (Not Investing)
Topic: 0% Furniture Credit
Replies: 29
Views: 1314

Re: How to diversify first time ROTH with high minimums?

It seems you want stocks and bonds for her... international (?). The Vanguard target retirement or lifestrategy funds are all in one funds with all you/she would need for now.

Or, with $5500 for now throwing it all in a S&P 500 or total stock fund would probably work fine also.
by Twins Fan
Wed Oct 08, 2014 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: How to diversify first time ROTH with high minimums?
Replies: 6
Views: 289

Re: Paying off a 6.5% mortgage

Yes, I'd say that was overstated a bit there about the hundreds of thousands of dollars being missed out on. Refinancing from 6.5% to say a 4% mortgage and a fairly low balance mortgage, while throwing cash at it during the refinance and nowhere to go for the remaining cash, per OP, might save thous...
by Twins Fan
Tue Oct 07, 2014 6:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying off a 6.5% mortgage
Replies: 46
Views: 3521

Re: mortgage payoff

Oh shoot, that's nothing in your situation then. If you can do it without much of a tax hit, I say pay it off and be done with the mortgage. My opinion anyway...
by Twins Fan
Tue Oct 07, 2014 6:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: mortgage payoff
Replies: 7
Views: 1017

Re: 401k review - 39 female (Fidelity to Guardian)

That stinks they're switching to the higher ER plan! But, you do have good Vanguard funds available and as mentioned the ERs are not horrible just higher than they should be. I would simply throw all the 401k current and future money in the S&P 500 fund there. You can adjust in the Traditional a...
by Twins Fan
Tue Oct 07, 2014 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k review - 39 female (Fidelity to Guardian)
Replies: 19
Views: 1016

Re: Getting back into the martket

Since you joined the forum 4 years ago and have 8 total posts, it was easy to go back and look through them. You have asked about this before yet still sat on cash. You have commented in the past about not wanting to take a loss and wanting guaranteed returns. I hope you don't listen to the noise ou...
by Twins Fan
Tue Oct 07, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting back into the market
Replies: 32
Views: 3827

Re: help me help a friend, financially

So, she didn't take your advice before, she went into debt and got bailed out, went into debt again and took out a mortgage on a paid off house because no one would bail her out again, and you think your advice this time will have a different result.... :oops: :D I don't know your friend, but I kind...
by Twins Fan
Mon Oct 06, 2014 9:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: help me help a friend, financially
Replies: 24
Views: 2374

Re: mortgage payoff

I'm all for having the mortgage paid off by retirement time, so I'm tempted to say, go for it! But, we need some more info... what's the retirement situation looking like? Is there going to be a pension coming monthly, taking SS early, living off savings/investments, etc...? What will the income to ...
by Twins Fan
Mon Oct 06, 2014 7:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: mortgage payoff
Replies: 7
Views: 1017

Re: Invest in Bowflex Max Trainer?

And, after someone invests in something it becomes a what?? Hence, my not using any quotations. Thanks for mis-quoting me just to get your comment in though. :wink:
by Twins Fan
Fri Oct 03, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: Invest in Bowflex Max Trainer?
Replies: 25
Views: 1747

Re: Invest in Bowflex Max Trainer?

I agree with both posts... I would hardly call any workout machine an investment. Unless you mean an investment in your health? But, then running, walking, push ups, sit ups, pull ups, squats, etc. only require you having a body to do them with, save thousands of dollars, and would be a much better ...
by Twins Fan
Fri Oct 03, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Invest in Bowflex Max Trainer?
Replies: 25
Views: 1747

Re: Roth or Traditional if you have a pension?

We would need to know more about your situation, but talking about Traditional or Roth IRAs... if you're above the deduction limits for traditional and below the Roth limit, the Roth is the easy choice. Now, if you have a Roth 457b available to you, trying to decide Roth or Traditional 457b with a p...
by Twins Fan
Fri Oct 03, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Roth or Traditional if you have a pension?
Replies: 28
Views: 1710

Re: I want to pay off my mortgage.

OP, we need to know more about this $195k you have. I looked through your previous posts and in this thread... http://www.bogleheads.org/forum/viewtopic.php?f=2&t=142414&p=2112378#p2112378 ... you say... I can't afford to buy private disability insurance. I have long term disability insuranc...
by Twins Fan
Thu Oct 02, 2014 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to pay off my mortgage.
Replies: 36
Views: 2686

Re: investing during market drop

Why do you feel this isnt a correction? I guess if this drop continues all next week it will be :) A "drop" does not always equal a "correction". Often times it's just them market moving around. Along these lines, how would you feel if you bought "now", as you asked in...
by Twins Fan
Thu Oct 02, 2014 5:15 pm
 
Forum: Investing - Theory, News & General
Topic: investing during market drop
Replies: 15
Views: 1161

Re: Would you buy a house in cash if you had enough?

I would pay cash in a heartbeat for given situation... not even a second thought. Just me though...
by Twins Fan
Thu Oct 02, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house in cash if you had enough?
Replies: 59
Views: 4335

Re: final tweaks to my allocation

I am 36. Id go with higher stocks but this market is heading down soon and I will be moving from bonds to stocks when the time is right . When I first started I was looking into 80/20 more but like I said, I think the time to start there was 2009 , not now. Any ideas??? thanks And, you think you wo...
by Twins Fan
Thu Oct 02, 2014 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: final tweaks to my allocation
Replies: 11
Views: 449

Re: I want to pay off my mortgage.

You can't afford to lose the $195k, yet you feel the market will go down, and you also know that it will be worth a lot in 30 years.... Ummmm... :wink: If you leave that all invested in total stock, or similar, you need to realize that you will lose money at times... sometimes lots of it. Over the l...
by Twins Fan
Wed Oct 01, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to pay off my mortgage.
Replies: 36
Views: 2686

Re: Should I include this in my net worth?

Similar situation here also... I get to carry a max. vacation amount (240 hours) I would be paid if/when I left, and I bounce back down from that each year so it builds back up to max. by next anniversary date. I also would get paid a quarter of my sick time if/when I were to leave my employment. I ...
by Twins Fan
Wed Oct 01, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I include [banked vacation days] in my net worth?
Replies: 40
Views: 2969

Re: Am I crazy to try to tackle all 4 issues at once?

Plenty of us late starters on Bogleheads. There's an old saying I read somewhere and my apologies for not knowing who to quote, but it goes something like, the best time to plant a tree was 20 years ago the next best time is today. Trust me, I know how it nags at you but nothing can be done now abou...
by Twins Fan
Wed Oct 01, 2014 6:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to try to tackle all 4 issues at once?
Replies: 29
Views: 3119

Re: I want to pay off my mortgage.

As you can see, you won't get just yes or no answers to this. I think these situations really come down to personal choice. There are plenty of options, as has been pointed out. Which would make you happiest and most comfortable is probably the best answer, over what might end up better decades from...
by Twins Fan
Wed Oct 01, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to pay off my mortgage.
Replies: 36
Views: 2686
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