Search found 2068 matches

by Twins Fan
Thu Jul 30, 2015 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 70
Views: 6324

Re: Could John Bogle Be Right About International Stock?

Some are getting way too nitpicky here. I, and I don't believe anyone on Bogleheads, picks what goes in the S&P 500 or an index fund. That's beyond our control. Why bring it up? You are right that we can't pick what goes into the index but we can chose the index that we invest in. We could inve...
by Twins Fan
Thu Jul 30, 2015 5:17 pm
Forum: Investing - Theory, News & General
Topic: Why is stock market so reactionary to news on daily basis?
Replies: 46
Views: 2800

Re: Why is stock market so reactionary to news on daily basis?

Looks like the S&P 500 finished up today with a 0% change. So, either the news took the day off, or the news had nothing to report on? :D
by Twins Fan
Thu Jul 30, 2015 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6801

Re: Divorce [financial implications]

Really? It's interesting how different this stuff can be state to state.
by Twins Fan
Thu Jul 30, 2015 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Rental House - Passive Loss
Replies: 6
Views: 505

Re: Rental House - Passive Loss

Sounds good... then yes, use the deduction as much as you can. I had a $10k loss on my rental property one year between lots of interest paid before a refinance, depreciation, taxes, and other deductions. It was a nice lowering of the overall AGI that year. Of course the rent not covering the mortga...
by Twins Fan
Thu Jul 30, 2015 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 70
Views: 6324

Re: Could John Bogle Be Right About International Stock?

Some are getting way too nitpicky here. I, and I don't believe anyone on Bogleheads, picks what goes in the S&P 500 or an index fund. That's beyond our control. Why bring it up? If I really wanted to choose between GM, Ford, VW... east coast or west coast, I would pick individual stock or active...
by Twins Fan
Thu Jul 30, 2015 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Priorities
Replies: 52
Views: 4230

Re: Priorities

Well said and thanks for sharing that story! Glad it was found early and you're doing okay! :beer I was glad to have found Bogleheads and get my savings strategy straightened out.... and even started. But, I have also noticed how some are just obsessed with saving as much as possible and how they ma...
by Twins Fan
Thu Jul 30, 2015 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 70
Views: 6324

Re: Could John Bogle Be Right About International Stock?

He is wrong for 2 reasons. First, the S&P 500 is not a domestic US index. It is a index that is dominated by multinational corporations with world exposure that just happen to have their headquarters in the US. I am overstating my case a bit, but it is getting truer every day. Um, you pretty mu...
by Twins Fan
Thu Jul 30, 2015 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Rental House - Passive Loss
Replies: 6
Views: 505

Re: Rental House - Passive Loss

What were the substantial repairs? If really upgrades or renovations, some things can, or even are supposed to be put on a depreciation schedule.
by Twins Fan
Thu Jul 30, 2015 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6801

Re: Divorce

What I have never understood is why people lose (or give away) assets that rightfully belong to them in a divorce. Sometimes one has to pick their battles... simple as that. Can't all this financial pain be avoided by careful money management during a marriage? For example: My wife and I each have ...
by Twins Fan
Thu Jul 30, 2015 7:47 am
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6801

Re: Divorce

I also am trying to stay married to my wife like the OP and want to avoid lawyers. We can both be kind and do a separation agreement and agree on things. We can use mediation. Questions I have are : We both own our primary house. It is just 2 years old, so still very new. I was told I could sell it...
by Twins Fan
Thu Jul 30, 2015 7:28 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 70
Views: 6324

Re: Could John Bogle Be Right About International Stock?

But on this question of should everyone invest solely in their domestic market, he is obviously wrong. Invest in only your domestic market, not even close. I don't believe Mr. Bogle has ever said what you're suggesting here. His advice about the topic brought up is for the average US investor. Not ...
by Twins Fan
Thu Jul 30, 2015 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 70
Views: 6324

Re: Could John Bogle Be Right About International Stock?

However, is there a possibility that John Bogle just might be right, that you don't need them and you will do just fine investing strictly in the United States? Another...... Sure, there is a possibility he's right. There's a possibility he's wrong also. None of us know. I don't hold international,...
by Twins Fan
Tue Jul 28, 2015 4:54 pm
Forum: Investing - Theory, News & General
Topic: Why is stock market so reactionary to news on daily basis?
Replies: 46
Views: 2800

Re: Why is stock market so reactionary to news on daily basis?

Darn it, keyan beat me to it. I was going to say we could easily flip this question around. :happy :beer I just really want to understand who drives the daily fluctuations in the market. You will drive yourself mad trying to understand that. What's the saying about the market remaining irrational lo...
by Twins Fan
Tue Jul 28, 2015 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6801

Re: Divorce

You guys should read the thread instead of just continuing your own argument. :wink:

The OP is trying to avoid lawyers since they are trying to turn things around and avoid divorce now.
by Twins Fan
Tue Jul 28, 2015 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with approximating total bond market
Replies: 6
Views: 272

Re: Need help with approximating total bond market

Keep it simple.... just use the intermediate term option.

Total Bond is considered an intermediate term fund even though it holds others (short/long). Picking an intermediate term index type option is likely to do pretty much the same thing for you in your portfolio.
by Twins Fan
Tue Jul 28, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6801

Re: Divorce

Oh yeah, forms and paperwork out the wazoo when it comes to family court stuff!! The judge gets involved because there are state laws that need to be followed... child support, parenting plan, alimony... whatever applies to the case at hand. There may be none of that, or both parties can come to a r...
by Twins Fan
Mon Jul 27, 2015 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: New Car - Cash or Finance?
Replies: 32
Views: 2352

Re: New Car - Cash or Finance?

Thanks to jimb for laying out the numbers... and confirming what I was thinking for myself in this situation. If I could easily pay cash for a car, had $100k on stand by (so liquidity isn't an issue), and the difference between pay cash vs. finance was very little compared to my overall financial pi...
by Twins Fan
Mon Jul 27, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6801

Re: Divorce

Rupert wrote:I ask these questions because there are domestic relations lawyers who are known to be scrappy fighters.


That's a nice way to put it. I would choose different words for those lawyers, but those words would be inappropriate for this forum. :)
by Twins Fan
Mon Jul 27, 2015 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3338

Re: How long until a $10,000 loss matters?

Oh, my bad.... the question in the title of the thread threw me off. :twisted:
by Twins Fan
Mon Jul 27, 2015 3:47 pm
Forum: Personal Finance (Not Investing)
Topic: Divorce [financial implications]
Replies: 72
Views: 6801

Re: Divorce

Anyone here been through a divorce? Yes, two of them. What are your lessons learned from a financial / legal / personnel perspective? Stay single. :D Both of mine were worked out between us... no lawyers and didn't even have to go to court. Made the agreements between us and signed the papers. Defi...
by Twins Fan
Mon Jul 27, 2015 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3338

Re: How long until a $10,000 loss matters?

How long.... Since July 20th Probably a little longer than 7 days! Come on now. Were you bored and just felt like posting? :wink: I think livesoft overshot a little there, but you have talked about a $1 million portfolio. Ten thousand really concerns you??? Maybe stop watching the portfolio on a da...
by Twins Fan
Mon Jul 27, 2015 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: How long until a $10,000 loss matters?
Replies: 39
Views: 3338

Re: How long until a $10,000 loss matters?

How long.... Since July 20th Probably a little longer than 7 days! Come on now. Were you bored and just felt like posting? :wink: I think livesoft overshot a little there, but you have talked about a $1 million portfolio. Ten thousand really concerns you??? Maybe stop watching the portfolio on a dai...
by Twins Fan
Sat Jul 25, 2015 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: $100,000 to invest for two years
Replies: 13
Views: 1412

Re: $100,000 to invest for two years

herb7949 wrote:This is a fantasy based question, not a recommendation.


Fantasy land is a BAD place to keep your money for any time period. :D

I'm not sure what type of answers you're expecting to this fantasy question. For me, two years is too short a time period to "invest" that amount of money.
by Twins Fan
Sat Jul 18, 2015 9:50 pm
Forum: Personal Finance (Not Investing)
Topic: What can you deduct for undermarket rental?
Replies: 23
Views: 1624

Re: What can you deduct for undermarket rental?

I keep meaning to ask this some where.. I'm inherited some property that I'm letting the current residents (non family) stay in for significantly under market (say $500 on $3000 market rent.) I know that disqualifies me for some deductions like depreciation.. but can I write off everything else up ...
by Twins Fan
Sat Jul 18, 2015 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should severance be allowed to reduce emergency fund?
Replies: 23
Views: 2163

Re: Should severance be allowed to reduce emergency fund?

I'd say it comes down to what one has their emergency fund for. If you look at all the EF threads, the most common emergency brought up seems to be the loss of a job and paying the bills until another job is found. But, as mentioned in this one there are other emergencies that can come up and need t...
by Twins Fan
Sat Jul 18, 2015 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or rent it out?
Replies: 3
Views: 372

Re: Sell or rent it out?

I have a house that is paid off. I can either sell it now (150K) or rent it out ($1200/month). Property tax and insurance are around $3000 a year. My wife and I are in the IRS top bracket (39% federal and 10% state). I want to sell because we are not make much on rental income after tax. However, p...
by Twins Fan
Sat Jul 18, 2015 9:14 am
Forum: Personal Finance (Not Investing)
Topic: losing money on a house....how do Bogleheads deal with it emotionally?
Replies: 76
Views: 6050

Re: losing money on a house....how do Bogleheads deal with it emotionally?

Been there, done that, and got the t-shirt. :happy In my experience anyway, DW will go to City A with or without you OP, if she hates B that much. Being close to family and friends is very important to some. Also in my experience, it still didn't work out after moving back and I got the t-shirt and ...
by Twins Fan
Wed Jul 15, 2015 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for ~$5k? Need low risk
Replies: 15
Views: 1419

Re: Best place for ~$5k? Need low risk

Low risk... no penalties... can't be locked up... Why you trying to reinvent the wheel here? We're talking $5k... online savings account will be plenty fine for your brother.
by Twins Fan
Sat Jul 11, 2015 10:07 am
Forum: Investing - Help with Personal Investments
Topic: interest rates and raising equity stake
Replies: 16
Views: 1384

Re: interest rates and raising equity stake

Was going to ask this in an existing thread in another forum, but it's more of a basic timing question, and I'd be clubbed over the head about 'just not getting it' there. Is there another forum out there that is more anti-market timing than Bogleheads? :happy Asking a market timing question here, ...
by Twins Fan
Sat Jul 11, 2015 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Should you own different portfolios
Replies: 14
Views: 1610

Re: Should you own different portfolios

Another thought. My wife and I will be just fine in retirement because of a great pension and 457 plans. About using funds for different goal. Since we will never use cash out the Roth IRA this would be a good way to leave something to our 2 boys one day. I guess this is why I am ok with the Roth o...
by Twins Fan
Thu Jul 09, 2015 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Upside down on mortgage: need advice
Replies: 14
Views: 1550

Re: Upside down on mortgage: need advice

Oops, I completely missed the part about the friend needing to move for a transfer in a year. :oops: Disregard most of my other post. Doesn't one need to show some hardship to do the short sale route? I don't think the friend can just say let's do the short sale. If that were to work out though, the...
by Twins Fan
Wed Jul 08, 2015 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401K pretax or Roth
Replies: 5
Views: 342

Re: 401K pretax or Roth

I don't think Roth 401k works the same as a Roth IRA, in that you can take contributions out at any time... or the secondary emergency fund you mention. I think you would have to take a loan out from the Roth 401k. I'm not certain there and maybe it varies by plan though. I would agree with the abov...
by Twins Fan
Wed Jul 08, 2015 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Upside down on mortgage: need advice
Replies: 14
Views: 1550

Re: Upside down on mortgage: need advice

Holy cow!! The friend should have refinanced the interest only mortgage at some time in the past few years!! Is the friend looking or needing to move out of this house? If they're going to stay in the house, a refinance would improve the situation a bunch... lower interest rate and actually pay down...
by Twins Fan
Wed Jul 08, 2015 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Upgrading from Underwater Home (Rcvd Windfall)
Replies: 19
Views: 1608

Re: Upgrading from Underwater Home (Rcvd Windfall)

Putting a windfall in savings for 6 months, so a clearer head is there to make decisions about how to use it is certainly a good idea. Throwing it at the current mortgage wouldn't be the worst idea. There are other ways to spend the money that would be much worse.... Vegas, gambling, toys, shoes. :h...
by Twins Fan
Wed Jul 08, 2015 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car now?
Replies: 17
Views: 1343

Re: Pay off car now?

I agree it is a personality/personal decision. Some don't like debt and some don't mind it. I think you answered your own question here..... We have already wiped out other debts 2 rental homes and a boat we had and it feels amazing, I kind of want to keep it going. I used to disagree with dave rams...
by Twins Fan
Tue Jul 07, 2015 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Upgrading from Underwater Home (Rcvd Windfall)
Replies: 19
Views: 1608

Re: Upgrading from Underwater Home (Rcvd Windfall)

If there's only a few lots you prefer still available, I think that leads to the go for it side. I don't think there's anything irrational or rash about it if you make this move now. You have your bases covered. As mentioned though, it isn't a bad idea to wait a bit either. I'm really not on one sid...
by Twins Fan
Tue Jul 07, 2015 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Upgrading from Underwater Home (Rcvd Windfall)
Replies: 19
Views: 1608

Re: Upgrading from Underwater Home (Rcvd Windfall)

I would go with a hybrid.... Start with choice #3. Stick with it to see how things go for at least 6 months to a year, it doesn't sound like it's going to hurt anything. If it then makes sense to go with choice #1 then go for it. At that point it will take even less of your lump sum to get out of t...
by Twins Fan
Tue Jul 07, 2015 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Why US market is falling due to Greece crisis?
Replies: 14
Views: 1402

Re: Why US market is falling due to Greece crisis?

What's falling? The S&P 500 went back up to 2081 today. Just moving around as it has all year. Tune out the noise.
by Twins Fan
Tue Jul 07, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Upgrading from Underwater Home (Rcvd Windfall)
Replies: 19
Views: 1608

Re: Upgrading from Underwater Home (Rcvd Windfall)

Oh, and also regarding these two... 2.) Rent current house for roughly break-even. Shouldn't have an issue selling the house, but would require the assistance of a property management company (zero desire to be a landlord). Buy new house (will qualify for both mortgages simultaneously) and wait ~2 y...
by Twins Fan
Tue Jul 07, 2015 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Upgrading from Underwater Home (Rcvd Windfall)
Replies: 19
Views: 1608

Re: Upgrading from Underwater Home (Rcvd Windfall)

OP, you have $30k cash savings outside the emergency fund.... and you're underwater on the current home why?! I doubt that savings is earning 4.375%. If you have been making extra principal, you should have paid it down a bunch more. Just my opinion there though. I was also underwater on a home and ...
by Twins Fan
Sun Jul 05, 2015 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Borrowing money from my 401k
Replies: 26
Views: 2026

Re: Borrowing money from my 401k

After all monthly expenses and maxing out my 401k I'm left with around $1000 per month which I use to pay off debt. At this pase it wold take me 42months to pay off debt and around 7000 of all the money payed would go to interest. I wold like to burrow as much as I can but still max it out every mo...
by Twins Fan
Wed Jul 01, 2015 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing a rental property... Possible, or still frustrating?
Replies: 7
Views: 534

Re: Refinancing a rental property... Possible, or still frustrating?

Very true... I didn't go through a broker. But, my loan is not at all through the credit union I used to refinance. It was sold off immediately. A broker could be a good way to go with all this.
by Twins Fan
Wed Jul 01, 2015 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Pick One of Three! Vanguard Balanced Funds
Replies: 23
Views: 3660

Re: Pick One of Three! Vanguard Balanced Funds

I will give another + to the balanced index admiral fund. Too easy and a .09 ER.... would treat you just fine.
by Twins Fan
Wed Jul 01, 2015 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Refinancing a rental property... Possible, or still frustrating?
Replies: 7
Views: 534

Re: Refinancing a rental property... Possible, or still frustrating?

I became an accidental landlord in 2010. The interest rate on the mortgage at that time was 6% and the rent/month didn't even cover the mortgage payment! I tried for years to refinance and kept running into walls... no one wanted to touch it to refi. In 2013, I gave it one last go and found a couple...
by Twins Fan
Tue Jun 30, 2015 7:54 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21703

Re: Emergdoc on Mr. Money Mustache

I like Emergdoc better. :happy

I agree, some good and some bad from MMM. As I'm sure there is to all of us. To each their own, is what it comes down to.
by Twins Fan
Tue Jun 30, 2015 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Obsessing towards zero balance on credit card.
Replies: 135
Views: 10877

Re: Obsessing towards zero balance on credit card.

I do check my CC a few times a week. But, that has to do with some fear of fraudulent activity on my card. I check to make sure only what I've charged is on there. I don't pay much attention to the balance. It's due on the 28th and I pay it on the 23rd each month (unless on a Sunday). That's the ext...
by Twins Fan
Tue Jun 30, 2015 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to predict state taxes to help decide where to live
Replies: 20
Views: 1956

Re: How to predict state taxes to help decide where to live

They all get you somehow. Here in WA, we have no income tax but out property and sales taxes are higher. In Or, they have no sales tax but they have income tax. Narrow it down to a handful of states you would like to live in and then see what tax situation you can deal with best. There is no ultimat...
by Twins Fan
Tue Jun 30, 2015 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Elderly father got snookered.
Replies: 36
Views: 6357

Re: Help! Elderly father got snookered.

The money came from mom. My dad is 70, so mostly stocks is bad and prima facie evidence that the bank sold him a bridge to Brooklyn, in my book. Not necessarily. And, prima facie should pretty much never be used in investing talk. Nothing is absolute or fact, and each situation is different. You ha...
by Twins Fan
Tue Jun 30, 2015 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 61
Views: 6871

Re: How do you Lazy portfolio funders deal with dips in the market?

I do it by lazily watching the S&P 500 go up and down. :D I would hardly call myself a veteran investor. But, when I finally started investing a couple years ago the S&P was at roughly 1350. Now it bounces around 2100 mostly and people keep talking about dips and RBDs. I don't get it?! If it...
by Twins Fan
Wed Jun 24, 2015 7:34 am
Forum: Personal Finance (Not Investing)
Topic: First-time Home Buyer Mortgage Questions
Replies: 6
Views: 879

Re: First-time Home Buyer Mortgage Questions

To clarify, our only purpose in wanting to use both incomes is to get the best possible mortgage terms. I know how much house we can afford, and we won't be buying more than that. Getting the best mortgage terms probably has more to do with credit scores than extra income. As long as you show you h...

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