Search found 2155 matches

by Twins Fan
Fri Sep 04, 2015 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: How Am I doing ? (39 y/o, NW- 3.5 mil)
Replies: 20
Views: 1350

Re: How Am I doing ? (39 y/o, NW- 3.5 mil)

Forgot to mention, pension expected at age 60 of 100K/year Did you also forget to mention the $10 million windfall you expect to receive at age 45?? :annoyed Come on, seriously, your expected pension covers your expenses now with kids, you have a $3.5 million NW by age 40, and you're asking how you...
by Twins Fan
Fri Sep 04, 2015 8:08 pm
Forum: Personal Finance (Not Investing)
Topic: Can I sue my former employer?
Replies: 25
Views: 1473

Re: Can I sue my former employer?

I know my employer can fire me at will so that is not a big deal. It kind of is a big deal. What would you sue them for if they can fire at will, you have no proof, and no one to back you? I would talk to a lawyer rather than the internet if you really want to look into this. But, it doesn't sound ...
by Twins Fan
Fri Sep 04, 2015 7:50 pm
Forum: Investing - Theory, News & General
Topic: Best On-line Bank Savings Accounts
Replies: 7
Views: 631

Re: Best On-line Bank Savings Accounts

I don't know, I may go for the 1.25% if starting over, to be honest. But I haven't read up on those folks to know much about them ether. When I started up with Ally a couple years ago, I think Ally had the highest APY (if I recall) and I also read many good things about them from others here in Bogl...
by Twins Fan
Fri Sep 04, 2015 6:52 pm
Forum: Investing - Theory, News & General
Topic: Best On-line Bank Savings Accounts
Replies: 7
Views: 631

Re: Best On-line Bank Savings Accounts

Lots of Ally users in here too, myself included. I think a lot of them are fairly similar. Kind of a take your pick sort of thing.
by Twins Fan
Fri Sep 04, 2015 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Initial Roth IRA Asset Allocation - 18 year old
Replies: 10
Views: 348

Re: Initial Roth IRA Asset Allocation - 18 year old

I wish I had started at 18!! You will likely be in a very good position by starting so young. Time and compounding are on your side by doing so. Just keep saving/investing. The target date fund or the LifeStrategy fund would probably be just fine for you for the next 5 years or whatever. When you ge...
by Twins Fan
Fri Sep 04, 2015 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Initial Roth IRA Asset Allocation - 18 year old
Replies: 10
Views: 348

Re: Initial Roth IRA Asset Allocation - 18 year old

Most or all of those have a $3000 minimum to get into the fund also. How much did you have in there again? :happy Stick with the target date fund for now. That will treat you fine. Or, even throw it all in TSM if you want. You can add other funds later on when the account grows more. It's nice to dr...
by Twins Fan
Fri Sep 04, 2015 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: How to deal with making contribution during market turbulence?
Replies: 23
Views: 1013

Re: How to deal with making contribution during market turbulence?

It is difficult to feel like your you're throwing contributions into a rat hole. On the other hand, purchasing now as the market drops is a good thing. Shares are cheaper than they were last month, last year, and some cases cheaper than they were 3 years ago! That is wonderful. Thank you. I made co...
by Twins Fan
Fri Sep 04, 2015 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: How to deal with making contribution during market turbulence?
Replies: 23
Views: 1013

Re: How to deal with making contribution during market turbulence?

The answer is that your chosen asset allocation is too volatile for you. Lower your equity exposure. Contribute regularly at your new AA and don't monkey around. I don't think so, because I am not concern about the value of my portfolio. Even if my asset allocation is 50/50, it is still hurt to buy...
by Twins Fan
Fri Sep 04, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 0.74% car loan or pay with cash?
Replies: 76
Views: 5404

Re: Take a 0.74% car loan or pay with cash?

Money is fungible. if: 1. you are investing with an expectation of long term returns significantly higher than 0.74% 2. you can afford to pay the monthly payment as most people who would be able to follow the no-loan-peeps' recommendation to pay cash and start setting aside money for next car purch...
by Twins Fan
Fri Sep 04, 2015 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: How to deal with making contribution during market turbulence?
Replies: 23
Views: 1013

Re: How to deal with making contribution during market turbulence?

To use the S&P 500 for example.... So, you were just fine contributing as planned when the S&P was around 2100 and now you're uncomfortable plowing money into stocks when the S&P is around 1900 because it's been going up and down?? And, you throw all new money into bonds?? You have it ba...
by Twins Fan
Thu Sep 03, 2015 7:34 am
Forum: Investing - Help with Personal Investments
Topic: 401k Fund Selection
Replies: 8
Views: 445

Re: 401k Fund Selection

What are the ERs of the large, mid, and small cap funds?

The S&P 500 makes up about 75-80% of TSM. So, if the ERs are high on the mid or small funds I would just stick with the S&P 500 fund and call it good.
by Twins Fan
Thu Sep 03, 2015 7:28 am
Forum: Personal Finance (Not Investing)
Topic: Take a 0.74% car loan or pay with cash?
Replies: 76
Views: 5404

Re: Take a 0.74% car loan or pay with cash?

Well, what constitutes a penny is different from person to person. A lot of people here earn 400-500K/year, and so the effort trade-off seems different. But you can't assume everyone is the same. Then you shouldn't say some are remarkably lazy for not thinking your way. :wink: I don't know why you ...
by Twins Fan
Mon Aug 31, 2015 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Which fund to invest in
Replies: 12
Views: 1060

Re: Which fund to invest in

In what type of account? How does this fit in with your AA? Would this be a large chunk or small slice of your overall portfolio? You picked two funds at about opposite ends of the spectrum to choose from. One being a specialized sector fund and one being a broad market fund. The more Boglehead'ish ...
by Twins Fan
Mon Aug 31, 2015 12:18 pm
Forum: Investing - Theory, News & General
Topic: If the Fed announces rate hike Sept 16-17, then . . . .
Replies: 13
Views: 1797

Re: If the Fed announces rate hike Sept 16-17, then . . . .

It seems from media reports the Fed is leaning toward its 1st rate hike since the 2008 crisis, and it would happen at the Sept 16-17 meeting. If the rate hike occurs, then what? Then it will be Sept 18, 19, 20, and so on. :D As said, if there is a rate hike it will probably barely be noticeable. St...
by Twins Fan
Sat Aug 29, 2015 8:44 pm
Forum: Investing - Theory, News & General
Topic: Should whether you're accumulating, withdrawing, or doing neither affect your capacity for risk?
Replies: 10
Views: 454

Re: Should whether you're accumulating, withdrawing, or doing neither affect your capacity for risk?

Too many questions for one thread. Some retired folks have entirely too much income to live on and can play with their few million in investments as a game. Others don't. Try to focus your question better... I was thinking similar... also have to figure in how large and account or sum we're talking...
by Twins Fan
Sat Aug 29, 2015 8:24 pm
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 123
Views: 6889

Re: Aug 2015 correction: what Bogleheads did...

I went to work, came home, watched the guy re-siding my house, enjoyed my kiddos... :D I didn't do a thing investment-wise. But, I'm also small time, so... no TLH to think of or anything. My Roth is in the Balanced Index Fund, so nothing to do there. My deferred comp. is also set to 60/40, but I did...
by Twins Fan
Sat Aug 29, 2015 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: Take a 0.74% car loan or pay with cash?
Replies: 76
Views: 5404

Re: Take a 0.74% car loan or pay with cash?

Thanks for all the replies. It's a 3 year loan and it doesn't require any insurance coverage beyond what I would have otherwise. It sounds like there's no consensus, but that's kind of what I expected. I'm leaning towards taking the loan and investing the saved cash. You're saving cash by taking ou...
by Twins Fan
Fri Aug 28, 2015 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 6020

Re: If stocks dropped 30% next Monday, would you rebalance?

Let's flip it around.... If stocks went up 30% next Monday, would you rebalance? I would definitely rebalance before the end of the day. Okay, as long as you make the same changes on RGDs as RBDs. :happy Probably a better question is.... if stocks dropped 30% in any single day, who would panic and ...
by Twins Fan
Fri Aug 28, 2015 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 6020

Re: If stocks dropped 30% next Monday, would you rebalance?

Let's flip it around.... If stocks went up 30% next Monday, would you rebalance?
by Twins Fan
Fri Aug 28, 2015 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 6020

Re: If stocks dropped 30% next Monday, would you rebalance?

Well, next Monday is a day off and I will be hanging out with the kiddos. So, I probably wouldn't even know about it.... so, no. :happy
by Twins Fan
Thu Aug 27, 2015 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Was about to change from 100% equity to 80%. Now what?
Replies: 71
Views: 7352

Re: Was about to change from 100% equity to 80%. Now what?

I have a strong suspicion that the classical "age in bonds" rule is far from optimal. Where did you ever see it said the age in bonds rule is optimal? It is meant to be a starting point, and would probably be just fine for those that don't want to look into it any further. Many in Boglehe...
by Twins Fan
Thu Aug 27, 2015 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Prepaying Mortgage Question
Replies: 24
Views: 2505

Re: Prepaying Mortgage Question

I'm guessing you mean the benefit from itemizing to mean your $6800 compared to the single standard deduction of $6200 to be the $500 benefit? So, $600 but neither here nor there. The benefit of itemizing for you is 15% of 500 or 600, which is a whopping $75 or $90. Is that worth hanging on to? What...
by Twins Fan
Thu Aug 27, 2015 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Was about to change from 100% equity to 80%. Now what?
Replies: 71
Views: 7352

Re: Was about to change from 100% equity to 80%. Now what?

I would agree there, bigred. I fully admit that when rca posts his/her models and formulas it goes right over my head and I skim over the rest of that post. I'm still fairly confident I can handle basic index investing though. Rather than ask people why they bother to post on the Boglehead forum, ma...
by Twins Fan
Thu Aug 27, 2015 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help getting off the sideline
Replies: 17
Views: 2607

Re: Help getting off the sideline

Since you say your risk tolerance is low and you would invest the cash, I would look at paying down or off some debt. The 3.5% on the mortgage may not be all that easy to beat with a conservative set up like you mentioned. May as well knock the other two out as well. Then you still have about $150k ...
by Twins Fan
Thu Aug 27, 2015 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: Was about to change from 100% equity to 80%. Now what?
Replies: 71
Views: 7352

Re: Was about to change from 100% equity to 80%. Now what?

I'm not a Big Money Manager and my Math isn't that Complicated. It follows from First Principles. If you read my posts I am clearly not try to Beat the Market, which would be impossible because the only two assets in my portfolio are Total Stock Market and Total Bond Market, which are, by definitio...
by Twins Fan
Wed Aug 26, 2015 7:19 am
Forum: Investing - Theory, News & General
Topic: ROTH Contributions after RBDs
Replies: 10
Views: 721

Re: ROTH Contributions after RBDs

With that said. Instead, I've been waiting this year for a bit of a downturn and got it in these last few days. So I went ahead and put my $5500 in an S&P 500 index fund that will execute on today's closing value. I guess you could say I'm trying to "time the market", but I don't thin...
by Twins Fan
Sat Aug 22, 2015 7:12 am
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 11283

Re: With Stock Market heading south

You did buy on the cheap. What was the S&P 500 at in 2011, 2012, 2013....?? Someday, S&P at 1900 and 2100 will probably seem cheap also. I think people stress about the "dips" way too much. Unless one is investing from only from years 2015 to 2017, who cares about the dips... Like ...
by Twins Fan
Sat Aug 22, 2015 6:52 am
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

It was a really bad day because XBI, my biotech ETF, refused to go down. It actually ended up modestly positive for the day after being up more than 2% for a chunk of the day. Very frustrating. I followed the market today solely to invest more in that fund. I caught it on the 5+% drop on Thursday b...
by Twins Fan
Fri Aug 21, 2015 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 11283

Re: With Stock Market heading south

IPer wrote:I am not looking to sell anything for another 20-30 years so there is no way of me knowing how things will
turn out.


Hopefully upwards... that's why we're all in, right? :beer
by Twins Fan
Fri Aug 21, 2015 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 11283

Re: With Stock Market heading south

Isn't it funny... and, some are like what should I/we do?? Enjoy it! :happy
by Twins Fan
Fri Aug 21, 2015 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: With Stock Market heading south
Replies: 95
Views: 11283

Re: With Stock Market heading south

Gotta say, it's been interesting to see the threads and comments the past couple days... or this year really. Most of the year I would call it just movements up and down, or... noise. The last part of this week, sure I would call that a dip. I'm nowhere near a veteran investor. I finally got in the ...
by Twins Fan
Fri Aug 21, 2015 7:01 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

Twins Fan wrote:Tomorrow is my deferred comp. contribution day. Don't worry, it will go back up tomorrow... always happens on contribution day. :happy



What do you know,... I got lucky... for once! :happy

Two weeks from now, probably be back up. Don't worry y'all.
by Twins Fan
Thu Aug 20, 2015 4:22 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

toto238 wrote:Are we really quibbling over whether we bought in at 2100 or 2000?


It comes up about weekly. Some really love those 1 or 2% sales. :D

I agree, in the long run it's really not going to matter much if one bought today or yesterday.
by Twins Fan
Thu Aug 20, 2015 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for a down payment? Does this method make sense?
Replies: 3
Views: 518

Re: Saving for a down payment? Does this method make sense?

The front loading thing works great.... if everything in your account goes up or grows that year. That doesn't always happen though. Too risky of a strategy for a down payment, for me anyway. Stick with saving for the down payment in the plain old Ally account. Don't try and get fancy with it. JMO
by Twins Fan
Thu Aug 20, 2015 3:53 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 10150

Re: anyone treating this as an RBD (really bad day)

Tomorrow is my deferred comp. contribution day. Don't worry, it will go back up tomorrow... always happens on contribution day. :happy
by Twins Fan
Thu Aug 20, 2015 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Help 2 grow 90k invest fairly fast
Replies: 89
Views: 7763

Re: Help 2 grow 90k invest fairly fast

I don't know much about margin loans. But, the OP has mentioned that a couple time and it seems to be a concern for them and a want to pay it off quickly. Is there an interest rate on margin loans? If so, maybe a quick and guaranteed return of whatever the rate is on that 60K is a good move. Not fe...
by Twins Fan
Thu Aug 20, 2015 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Averaging Question
Replies: 4
Views: 351

Re: Dollar Cost Averaging Question

Instead of dollar cost averaging, you are dollar value averaging. You don't send a set amount per month to each asset class in the portfolio (DCA) and rebalance once or twice a year. You buy however much of each asset class per month to keep you AA/percentages in line, and basically rebalance each t...
by Twins Fan
Thu Aug 20, 2015 8:04 am
Forum: Investing - Help with Personal Investments
Topic: CD Money Market or Savings/ what is the best for newbie?
Replies: 5
Views: 708

Re: CD Money Market or Savings/ what is the best for newbie?

Take your pick on banks. Ally may be slightly higher one year, Capital One slightly higher the next, and so on. They will all usually be fairly close though, and unless you feel like switching banks all the time.... CDs can have higher rates if you go out to 3 or 5 years. There can be penalties if y...
by Twins Fan
Thu Aug 20, 2015 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Which 401k fund?
Replies: 6
Views: 395

Re: Which 401k fund?

Compelling?? Probably not... I would just throw all the 401k money in the total stock fund since it's the lesser of two evils there. For now at least. If the 401k account ends up catching up to and passing the Roths, maybe look at the situation again.
by Twins Fan
Thu Aug 20, 2015 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Help 2 grow 90k invest fairly fast
Replies: 89
Views: 7763

Re: Help 2 grow 90k invest fairly fast

I don't know much about margin loans. But, the OP has mentioned that a couple time and it seems to be a concern for them and a want to pay it off quickly. Is there an interest rate on margin loans? If so, maybe a quick and guaranteed return of whatever the rate is on that 60K is a good move. Not fee...
by Twins Fan
Tue Aug 18, 2015 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: How Bad Does My New Property Management Company Sound?
Replies: 9
Views: 1451

Re: How Bad Does My New Property Management Company Sound?

Sucks being a renter, huh? Sorry, couldn't resist... and J/K :happy I don't think you would have much of a case. Stuff happens and they are notifying you of the delay(s). I would also think you could cancel if things don't go as planned for the start date. But, sounds like you like and want the plac...
by Twins Fan
Tue Aug 18, 2015 9:07 pm
Forum: Investing - Theory, News & General
Topic: Good argument for underweighting international stocks?
Replies: 77
Views: 4669

Re: Good argument for underweighting international stocks?

If I knew ex-ante what the ex-post returns would be, then sure. If I knew ex-ante than TISM was expected to return more net of fees than TSM, then also yes. Cap-weight theories says you can't subdivide the market and tilt towards one sector or segment to boost returns, so I assume TSM and TISM have...
by Twins Fan
Tue Aug 18, 2015 8:34 pm
Forum: Investing - Theory, News & General
Topic: Good argument for underweighting international stocks?
Replies: 77
Views: 4669

Re: Good argument for underweighting international stocks?

rca, I believe in a few threads you mention "optimal" when it comes to portfolios, strategies, tilts, or whatever. You realize it's about impossible to know now what will be optimal for the next 20 years or whatever. What if international outperforms TSM by 5% (random there) over the next ...
by Twins Fan
Tue Aug 18, 2015 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Need 401k Advice
Replies: 9
Views: 517

Re: Need 401k Advice

I saw that one in there and it does have a nice low ER. Be sure to read up on if you want to hold long term bonds (funds) though. They're a little more risky than the short and intermediate funds. Even with the low ER, you may want to pass on that one. Your call though.
by Twins Fan
Tue Aug 18, 2015 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: Should I be able to Refi Mortgage?
Replies: 7
Views: 695

Re: Should I be able to Refi Mortgage?

Here's another site to check out and mess around with...

http://www.mtgprofessor.com/calculators.htm

Plenty of refi calcs and entering the numbers will show close to what the P&I breakdown would be.
by Twins Fan
Tue Aug 18, 2015 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: How to spend more and not feel bad about it
Replies: 56
Views: 5761

Re: How to spend more and not feel bad about it

Pay yourself first, pay the bills, buy necessities, and then spend, have fun, and save some of what is left over. Simple as that. :happy It sounds like you only have a couple things you would splurge on and you wouldn't go overboard spending every single extra dollar. So, spend a little on those cou...
by Twins Fan
Tue Aug 18, 2015 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Need 401k Advice
Replies: 9
Views: 517

Re: Need 401k Advice

First, you should not expect that every statement is going to have/show a positive return in your investing lifetime. :wink: I would throw it all in the S&P 500 fund and call it good in your 401k. You could mix in the mid and small caps if you wanted, but up to you. Those .06 ERs are tough to pa...
by Twins Fan
Tue Aug 18, 2015 6:19 pm
Forum: Investing - Theory, News & General
Topic: Good argument for underweighting international stocks?
Replies: 77
Views: 4669

Re: Good argument for underweighting international stocks?

Remember earlier this year when so many posts were out about being happy to have international and wanting to add more... How quickly things change... Just to be clear, I am not basing my argument on news or recent returns. It is based purely on the inherent and indisputable nature of both currency...
by Twins Fan
Tue Aug 18, 2015 5:52 pm
Forum: Investing - Theory, News & General
Topic: Good argument for underweighting international stocks?
Replies: 77
Views: 4669

Re: Good argument for underweighting international stocks?

Remember earlier this year when so many posts were out about being happy to have international and wanting to add more... How quickly things change...
by Twins Fan
Tue Aug 18, 2015 5:02 pm
Forum: Investing - Theory, News & General
Topic: Good argument for underweighting international stocks?
Replies: 77
Views: 4669

Re: Good argument for underweighting international stocks?

Yep, you got me there, rca.... sure, over a million years 9 basis points could add up. How did I miss that?? :wink:

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