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Re: Do you not strive for success because it might offend ot

I don't think going around bragging about how much they have is a good quality or habit, if that's the case. But, one should be able to do what they want with thier money. If others act jealous or envious, stop hanging out with them.
by Twins Fan
Wed Apr 01, 2015 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you not strive for success because it might offend others
Replies: 30
Views: 1240

Re: Corporate Finance vs Personal Finance

I am in no way smart enough or educated enough to run myself like a corporation. :happy I imagine in some ways I unknowingly make some choices that may be along the lines of corporate finance. But, I think most folks should stick to the personal and individual side of things. Now, if one has more mo...
by Twins Fan
Wed Apr 01, 2015 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Corporate Finance vs Personal Finance
Replies: 9
Views: 633

Re: [living in] Minneapolis-St. Paul

Don't let these "perfect summer" folks fool you. I remember going to a softball tournament first weekend of June one year and there was snow on the outfield grass until noon, from an overnight snow. True story! Also, the monsoon type rainfalls that always seem to happen around Father's Da...
by Twins Fan
Tue Mar 31, 2015 9:18 pm
 
Forum: Personal Consumer Issues
Topic: [living in] Minneapolis-St. Paul
Replies: 51
Views: 2525

Re: [living in] Minneapolis-St. Paul

Don't let these "perfect summer" folks fool you. I remember going to a softball tournament first weekend of June one year and there was snow on the outfield grass until noon, from an overnight snow. True story! Also, the monsoon type rainfalls that always seem to happen around Father's Day...
by Twins Fan
Tue Mar 31, 2015 6:35 pm
 
Forum: Personal Consumer Issues
Topic: [living in] Minneapolis-St. Paul
Replies: 51
Views: 2525

Re: Bond Funds:

I will help you help yourself. :happy See if you can find it... https://personal.vanguard.com/us/funds/snapshot?FundId=0584&FundIntExt=INT Hint - scroll down and watch the right side of the page. Then find the other fund you would like to know about on their website and do the same. Come on now....
by Twins Fan
Tue Mar 31, 2015 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bond Funds:
Replies: 2
Views: 248

Re: [living in] Minneapolis-St. Paul

That's nice and all. But, you can probably keep your condo issues and gripes to yourself. That's a very small sampling and probably not representative of Minneapolis or MN as a whole.

And, learn to break things up into paragraphs!! :wink:
by Twins Fan
Tue Mar 31, 2015 3:28 pm
 
Forum: Personal Consumer Issues
Topic: [living in] Minneapolis-St. Paul
Replies: 51
Views: 2525

Re: Advice On Dealer's Offer to Exchange Old for new car

Cutting to the chase: You drive a nice, low mileage, low maintenance car that you had planned to keep for 20 years. You were happy with it. Then you got a sales call from a dealer offering you a new and shiny car in return for the car you were happy with and some of your money. I am not seeing you ...
by Twins Fan
Tue Mar 31, 2015 10:31 am
 
Forum: Personal Consumer Issues
Topic: Advice On Dealer's Offer to Exchange Old for new car
Replies: 19
Views: 1689

Re: Suggestions Needed

Post your situation like this...

http://www.bogleheads.org/forum/viewtop ... f=1&t=6212

You will get better suggestions that way and many find it quite informative to them self to really go through their finances like that.
by Twins Fan
Tue Mar 31, 2015 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions Needed
Replies: 5
Views: 319

Re: Suggestions Needed

We would need to see the 401k options to say for sure. Very high fees might be a reason to not put more in there or max it out. But, in the 28% bracket using more of that space to defer some taxes is likely to be a good move company match or not.
by Twins Fan
Tue Mar 31, 2015 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions Needed
Replies: 5
Views: 319

Re: [living in] Minneapolis-St. Paul

I grew up there (mpls suburb actually) and loved it. However, I haven't lived there since 2001 and don't miss it much other than family and friends still being there. After growing up, no more hockey, and nothing to keep my mind off the long winters, the weather really got to me commuting and having...
by Twins Fan
Tue Mar 31, 2015 10:05 am
 
Forum: Personal Consumer Issues
Topic: [living in] Minneapolis-St. Paul
Replies: 51
Views: 2525

Re: Child's prenup

When does it make sense to have your child do a prenup before they get married? Well, when the child and their future spouse want to do a prenup before getting married would make sense. But, I like to keep things simple. :wink: :happy Your question in this one is pretty much moot, since you don't e...
by Twins Fan
Mon Mar 30, 2015 9:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child's prenup
Replies: 19
Views: 2336

Re: stick with current portfolio or move to Bill Schultheis'

Maybe everything gets more expensive before it gets cheaper, and you would have actually got it cheaper by buying now? That is the unknown that is about impossible for mere mortals to know. If it's for the long haul, isn't the hope that everything you buy/hold is worth more in 20, 30, or more years?...
by Twins Fan
Mon Mar 30, 2015 1:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: stick with current portfolio or move to Bill Schultheis' cof
Replies: 15
Views: 1095

Re: stick with current portfolio or move to Bill Schultheis'

Uhhh,... so you have one thing now, would like to switch to the coffee house portfolio, and have a different portfolio plan for the future. I don't know how much you messed with things before, but I don't know that I believe you have gotten better at leaving things alone. :happy I kind of like the l...
by Twins Fan
Mon Mar 30, 2015 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: stick with current portfolio or move to Bill Schultheis' cof
Replies: 15
Views: 1095

Re: Retiring June 2015 - Fed Rate Increase

I would worry about things you actualy have control over. :happy If there's any rate changes coming up, I doubt they will be earth shattering... probably barely noticeable. However your 401k is invested/set up, do the same when you roll it over to the IRA. Congrats on soon to be retirement!! :shareb...
by Twins Fan
Mon Mar 30, 2015 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring June 2015 - Fed Rate Increase
Replies: 4
Views: 587

Re: Another can I afford this house thread

Well above the world I live in. :beer But, from the looks of no debt, a good down payment amount, and roughly twice a years salary with likely salary increases to come, it seems it would be affordable for you. I would make sure there's some wiggle room between take home pay, the mortgage payment, an...
by Twins Fan
Mon Mar 30, 2015 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another can I afford this house thread
Replies: 11
Views: 996

Re: All lazy portfolios impossible at Vanguard?

Sounds a bit like market timing when you describe it that way. :wink: :happy Yes, it may be good for some out there to have Vanguard in control of the AA. Many out there in investing world will likely do much worse on their own than if they had plopped it all in a Lifestrategy fund all along. A down...
by Twins Fan
Mon Mar 30, 2015 12:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: All lazy portfolios impossible at Vanguard?
Replies: 23
Views: 2669

Re: All lazy portfolios impossible at Vanguard?

Other than slightly higher fees, what exactly is the downside of implementing a lazy 3-fund portfolio by simply buying Vanguard LifeStrategy? Also, Vanguard likes to change the make up of the funds. Like adding more international recently, or adding international bonds last year or the year before....
by Twins Fan
Mon Mar 30, 2015 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: All lazy portfolios impossible at Vanguard?
Replies: 23
Views: 2669

Re: 26 year old beginner, What should I do?

Or maybe it is so high because I had a credit score of 560 when I applied for the loan. It's difficulty for me to spend such a large chunk of money at one time. Even though I have a decent amount of cash in savings, there is something inherently depressing about dropping $7500 at one time. Does any...
by Twins Fan
Mon Mar 30, 2015 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: 26 year old beginner, What should I do?
Replies: 21
Views: 2268

Re: Buying a house, not new, what to look for/wish you had

The roof! Make sure the roof is sound! Most of the other things are personal preference and/or easy fixes compared to the aggravation a faulty roof can cause. Ask me how I know. :oops: I had a good inspection done and all, they said the roof didn't have a lot of life left but should be fine for a fe...
by Twins Fan
Sun Mar 29, 2015 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Buying a house, not new, what to look for/wish you had
Replies: 33
Views: 1953

Re: Rick Ferri's 30 year market forecast 2015

Kind of makes paying down/off debt look pretty attractive on the guaranteed side of things. Yes I know liquidity and all, but seeing the numbers there makes paying down a 3% or higher debt seem pretty sensible. That's what jumped out at me at least. A 3 percent mortgage is a nominal rate. If we loo...
by Twins Fan
Sun Mar 29, 2015 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 122
Views: 10929

Re: Which house would a Boglehead choose?

dolphinsaremammals wrote:You don't want your kid in a school with bullies and snobs, for example.


That would leave home schooling as about the only option then. :happy
by Twins Fan
Fri Mar 27, 2015 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house would a Boglehead choose?
Replies: 24
Views: 1674

Re: Rick Ferri's 30 year market forecast 2015

That speaks sort of sadly about "most investors" out there. My take on that info anyway. I'm far from an expert in this stuff, but have been able to gather what "real return" means. They need to find Bogleheads! :happy
by Twins Fan
Fri Mar 27, 2015 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 122
Views: 10929

Re: Investment Property - Why doesn't this make sense?

My insurance went up a little, but did not double. I had to switch from homeowners insurance to what USAA calls fire insurance... basically landlord/not living there insurance. My prop. mgmt. company handles all minor (under $300) repairs/maintenance without even asking me (per contract), notifies m...
by Twins Fan
Fri Mar 27, 2015 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: Investment Property - Why doesn't this make sense?
Replies: 18
Views: 1864

Re: Rick Ferri's 30 year market forecast 2015

you mean before inflation returns being lower than after inflation returns?

I was wondering that too... seems like they got mixed up. I took it as a, knew what it meant not what it said deal. :happy
by Twins Fan
Fri Mar 27, 2015 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 122
Views: 10929

Re: 457 or 403(b)

You will probably have to list all the funds and options available to you, to get real good recommendations. But, it sounds like they're pretty similar across the accounts. The 457 being a state plan (government plan) is a good thing. There's some sort of private 457 plan out there and that's not as...
by Twins Fan
Fri Mar 27, 2015 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457 or 403(b)
Replies: 6
Views: 485

Re: Which house would a Boglehead choose?

Well, the mythical BH is apparently a cheapskate. I did not realize this until reading between the lines in a recent poll and many people vehemently denied the vicious rumor that BH's are cheapskates. But I say that where there's smoke, there's fire. :) You didn't realize this until recently?! :D T...
by Twins Fan
Fri Mar 27, 2015 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house would a Boglehead choose?
Replies: 24
Views: 1674

Re: Landlord/Tenant Credit Checks

Oye!! Stories like that are part of the reason I think I'm going to sell mine when the lease is up later this year. I became an accidental landlord in 2010, couldn't sell then, and should be able to now. Sounds like they added her as a resident after your relative moved in? That could be different a...
by Twins Fan
Fri Mar 27, 2015 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord/Tenant Credit Checks
Replies: 18
Views: 967

Re: I'm a single 38 yo female needing financial advice

Only $250/month for food... what are you a bird? :D From what I've heard/read about the NYC area, you look to be doing pretty darn good at keeping costs down. So, good job there! As mentioned, start by doing some of the reading and recommended reading here on Bogleheads and work on developing a plan...
by Twins Fan
Fri Mar 27, 2015 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a single 38 yo female needing financial advice
Replies: 18
Views: 3064

Re: Landlord/Tenant Credit Checks

I have a property management company do this for me, but I think pretty much the same as Realtor? Yes, my prop. mgmt. company runs a credit check on each person applying for the rental lease. I haven't encountered a true roommate situation yet, so I don't know there. When married couples have rented...
by Twins Fan
Fri Mar 27, 2015 1:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord/Tenant Credit Checks
Replies: 18
Views: 967

Re: Rick Ferri's 30 year market forecast 2015

Your link didn't show properly. A google search found it easy enough though. Let's see if I can get the link... http://www.rickferri.com/blog/investments/portfolio-solutions%C2%AE-30-year-market-forecast-for-2015/ Kind of makes paying down/off debt look pretty attractive on the guaranteed side of th...
by Twins Fan
Fri Mar 27, 2015 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 122
Views: 10929

Re: Which house would a Boglehead choose?

Most stay in their first home for what, 5 to 7 years? I don't remember the number, but it's not for very long. Maybe the reason Option B houses sit on the market longer is because they're trying to get Option A selling prices being so close by. I'm sure you would be able to sell in 5 years if you re...
by Twins Fan
Fri Mar 27, 2015 12:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which house would a Boglehead choose?
Replies: 24
Views: 1674

Re: Investment Property - Why doesn't this make sense?

I don't see this as so much an investment property situation, as it is a does the friend want to keep this house for when they come back or not situation. If they like the house and want to live there again after the overseas time, keep it and rent it out for a couple/few years. If they don't intend...
by Twins Fan
Thu Mar 26, 2015 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: Investment Property - Why doesn't this make sense?
Replies: 18
Views: 1864

Re: Getting over the psychology of the simplicity

If Warren Buffet’s heirs each had $10M, would they do the same thing but purchase 200,000; 100,000; and 130,000 shares? Many threads on it, but Buffett's recommendation for his heirs would be even simpler. I have no idea what the shares would be, but 90% of the money would be in the S&P 500 and...
by Twins Fan
Thu Mar 26, 2015 6:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting over the psychology of the simplicity
Replies: 8
Views: 1092

Re: Looking for some good advice.

I was going to say, he really takes the decimals out there on the percentages, huh? :happy

I agree that the plan looks pretty good and you don't give yourself enough credit, OP.
by Twins Fan
Thu Mar 26, 2015 6:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for some good advice.
Replies: 10
Views: 1092

Re: Global Dominance of U.S. Companies (by Mkt. Cap)

Is that supposed to be a negative on US businesses? I don't see it as one. To me it speaks more to the competition between businesses in the US and that bigger and better always comes along. Will Apple and those still be around? Who knows. But, if they aren't I bet there's a good chance they've been...
by Twins Fan
Wed Mar 25, 2015 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: Global Dominance of U.S. Companies (by Mkt. Cap)
Replies: 10
Views: 995

Re: Where to park my short term savings

There are some things that just don't need to be complicated. I'm guessing this isn't a huge sum of money. There won't be a huge difference in 2 - 3 years between keeping it in an online savings account at 1%, or a short term bond fund, or a CD, or... Keep it simple. Online savings account is just f...
by Twins Fan
Wed Mar 25, 2015 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to park my short term savings
Replies: 4
Views: 543

Re: Global Dominance of U.S. Companies (by Mkt. Cap)

There's no guarantee the large US companies won't adjust and find a way to get the other middle classes buying their products... or, that the booming middle classes won't start demanding more pay and jobs move back to the US because it no longer makes sense to have operations over there... or, any n...
by Twins Fan
Wed Mar 25, 2015 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: Global Dominance of U.S. Companies (by Mkt. Cap)
Replies: 10
Views: 995

Re: U.S. cash pouring into international

Does the saying, "be fearful when others are greedy", come into play here?

I don't know, really just asking. It seems when we talk of money pouring into Europe from the US....
by Twins Fan
Wed Mar 25, 2015 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2446

Re: I've Got to be Doing "Something". And You?

Once you get in the habit of doing nothing it's pretty easy. :happy

I agree though... Often a topic or article comes up that has me go, hmmm maybe I should... Then I tell myself to just do nothing.
by Twins Fan
Wed Mar 25, 2015 1:20 pm
 
Forum: Investing - Theory, News & General
Topic: I've Got to be Doing "Something". And You?
Replies: 22
Views: 3083

Re: U.S. cash pouring into international

Yes, but how much? The article mentions double digit returns all over Europe, but you only gave a 6% something for total international. How are South America, Asia, Africa, Canada, etc. doing? Maybe Europe is all that is "needed". :wink:
by Twins Fan
Wed Mar 25, 2015 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2446

Re: I've Got to be Doing "Something". And You?

Very similar here. When I finally got around to saving for retirement and investing (late starter), I figured I would have to strart studying businesses and managers and trading and.... Well, I really didn't want to do that and luckily found Bogleheads early on and decided passive index type investi...
by Twins Fan
Wed Mar 25, 2015 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: I've Got to be Doing "Something". And You?
Replies: 22
Views: 3083

Re: 457(b) Question

I would avoid those "activist funds" also... sounds bad. :happy Kidding, but I think you mean active funds. I agree the three funds mentioned would treat you just fine. Do you NEED anything more than that? In my opinion, no. Do you want anything more than that? That's up to you. No disresp...
by Twins Fan
Wed Mar 25, 2015 11:40 am
 
Forum: Investing - Help with Personal Investments
Topic: 457(b) Question
Replies: 8
Views: 536

Re: Help w/ adult child hard-wired for poor financial decisi

Sounds like many a 22 year old here in Seattle. What's the problem? :happy Really though, I agree with others that have mentioned she is only 22. That is still young! To think she is hard-wired any sort of way at that age may be jumping the gun some. Her wires probably won't get straightened out for...
by Twins Fan
Wed Mar 25, 2015 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Help w/ adult child hard-wired for poor financial decisions?
Replies: 45
Views: 4672

Re: U.S. cash pouring into international

Kind of a misleading thread title and OP there. Was that on purpose? The article is about Europe only. Which even though a bigger part of total international, I don't believe international investing when talked about in here means just Europe. And that's nice and all, but it still doesn't tell me th...
by Twins Fan
Wed Mar 25, 2015 10:52 am
 
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2446

Re: New here: Help with 401k, IRA, first taxable account

I'd say what you have now is not all that bad. So, good job using lower cost funds and keeping it fairly simple. The rollover IRA looks to have a bunch of overlap going on between the freedom fund having probably all the bond, international, and total market funds in it, the total US market has all ...
by Twins Fan
Tue Mar 24, 2015 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: New here: Help with 401k, IRA, first taxable account
Replies: 9
Views: 744

Re: VanG Intermediate Term Bond Market Question

Ah, but perhaps I'm still missing the point. More study is in order to better understand the ramifications of these concepts. I think you're trying to create some point where one is not needed for you, and you don't need to study another thing about this. Based on an earlier statement by you in thi...
by Twins Fan
Tue Mar 24, 2015 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: VanG Intermediate Term Bond Market Question
Replies: 20
Views: 1833

Re: Military TSP and/or IRA?

Thanks TwinsFan it's becoming more and more clear!! Great point about adding outside account info into vanguards website. I do have our USAA brokerage account info added in already, easy enough to do with TSP I suppose. (Maybe not since the funds don't have a ticker?). Ah, good point about no ticke...
by Twins Fan
Mon Mar 23, 2015 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Military TSP and/or IRA?
Replies: 36
Views: 1389

Re: Military TSP and/or IRA?

Simply looking at it as having a 3 fund portfolio across all your accounts. Each account does not have to have all three funds. Think of it as one overall portfolio. Also, Vanguard has a cool deal where you can add other accounts info on your page there. Then you can see your overall portfolio all i...
by Twins Fan
Mon Mar 23, 2015 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Military TSP and/or IRA?
Replies: 36
Views: 1389

Re: Does it make sense to pay off this mortgage?

But as mentioned earlier, debt is a personal finance decision as much as it is a mathematical one. Exactly! That is what I often say when we talk about PERSONAL finance. Just going by your posts, you seem to dislike debt. If you are very debt averse, I think it makes perfect sense to pay off the mo...
by Twins Fan
Mon Mar 23, 2015 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Does it make sense to pay off this mortgage?
Replies: 24
Views: 2132

Re: How important is an international allocation?

Agreed,... just because one outperformed doesn't mean they weren't still zigging and zagging together at the same time.
by Twins Fan
Sun Mar 22, 2015 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: How important is an international allocation?
Replies: 66
Views: 4575
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