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Re: If you are a winner before fees, why not lower the ER?

At this point, can you please share the group of funds that fall in #3? As I replied to Twins Fan, can I provide studies? You know, if you keep anwering questions with a question it shows you don't... :wink: I'd say you're way overthinking this. I'm quite certain fund managers have already tried to...
by Twins Fan
Tue Jul 22, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: If you consistently outperform (pre-fees), why not lower ER?
Replies: 35
Views: 1016

Re: If you are a winner before fees, why not lower the ER?

2. The winners don't stay as winners consistently (no persistence). 3. Before fees, however, a group of funds beat the market consistently. Um, what?? How can winners not stay winners consistently, but there are funds that consistently win? Can you share what group of funds are the consistent winne...
by Twins Fan
Tue Jul 22, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: If you consistently outperform (pre-fees), why not lower ER?
Replies: 35
Views: 1016

Re: How would you handle this situation if it was you.

What do you mean by "basic little credit card payments"? You have one and pay it off monthly, or you carry balances on more than one card? It looks like getting rid of some debt should be a high priority for you. If you have/carry credit card balances, pay those off. As others have suggest...
by Twins Fan
Mon Jul 21, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How would you handle this situation if it was you.
Replies: 15
Views: 1770

Re: With all these recent posts regarding tilts, should I?

I would say don't even give it a seconds thought now while your portfolio is starting out and small. When a 5% tilt will actually be a noticeable sum, then think about all that. Just my thoughts on it...
by Twins Fan
Mon Jul 21, 2014 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: With all these recent posts regarding tilts, should I?
Replies: 13
Views: 813

Re: New car - put extra $ towards current loan or save?

I did read that wrong... I see you said extra after the EF. My bad...

Your miles, huh? I was young once too. :oops:
by Twins Fan
Mon Jul 21, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: New car - put extra $ towards current loan or save?
Replies: 9
Views: 533

Re: Hw many credit cards to own?

I don't think I actually "own" any credit cards. :D I do have two that the account holders give me to use though. A Discover card that I use a couple times a year. I have had that account for about 15 years now, so that's my length/history one I hang on to. And I have a Wells Fargo home re...
by Twins Fan
Mon Jul 21, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 58
Views: 2674

Re: New car - put extra $ towards current loan or save?

Sounds like you need a pick up truck not a car. And, you don't need new. You have a car payment now. Why not find a equal or even cheaper used car/truck and make payments on that? It's a lateral move. If your car now would break even on a trade in, why play games of $500 here or there when you're ju...
by Twins Fan
Mon Jul 21, 2014 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: New car - put extra $ towards current loan or save?
Replies: 9
Views: 533

Re: Pay down (not off) mortgage?

I think it seems logical to do it that way, bobby. Of course I think the same way about extra cash now days. :) Since it is extra cash, I don't find being concerned about future what if scenarios applies. Assuming an emergency fund is in place and all that. Deciding what to do with extra cash now, I...
by Twins Fan
Mon Jul 21, 2014 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down (not off) mortgage?
Replies: 51
Views: 4238

Re: years of investing and balances

Its really not the question of 1st million ( where I would love to get to soon) but its more catching up for lost years and getting to the right amount of savings by retirement age. SO I also WANT to know, how much of retirement savings in enough. Say for example my gross income is 400 K and our cu...
by Twins Fan
Mon Jul 21, 2014 7:32 am
 
Forum: Investing - Help with Personal Investments
Topic: years of investing and balances
Replies: 20
Views: 1557

Re: Does this loan repayment schedule make sense?

I'd say, you put too much thought into it already. :D I kid! I'm a simple guy and would just split the difference. You have $1500 extra each month, so save $750 and throw $750 at the loan(s). With the fairly low balance and the fairly low interest rate(s) you don't have much total interest left to p...
by Twins Fan
Fri Jul 18, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does this loan repayment schedule make sense?
Replies: 9
Views: 452

Re: If you own a car, do you have a car payment?

I have 3 vehicles and no car payments... a daily driver, a pick up, and a hot rod.

I have financed vehicles before, but always like to pay them off ASAP. It's totally a mental thing, I just can't stand car payments.
by Twins Fan
Fri Jul 18, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: If you own a car, do you have a car payment?
Replies: 101
Views: 5419

Re: Take a 15year mortgage or 30 year & Invest?

As for rates of return, that can't be known as the future isn't predictable. Then we can't really predict an answer for who will be better off in the future can we?? :D Lol. That is true. :beer But we can only make a decision with the information we have now and not second guess the choice in the f...
by Twins Fan
Thu Jul 17, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or a 30 year & Invest?
Replies: 34
Views: 3329

Re: Keep house or sell

... Both my parents and my wifes live in the area and they could check in occasionally.... Are you leaving all your wives there, or are you taking one with you :?: :shock: Haha... I saw that too. Why would anyone want more than one of those?! :D OP, if you keep it as a rental and go to buy in the o...
by Twins Fan
Thu Jul 17, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keep house or sell
Replies: 14
Views: 929

Re: Take a 15year mortgage or 30 year & Invest?

thethinker wrote:As for rates of return, that can't be known as the future isn't predictable.


Then we can't really predict an answer for who will be better off in the future can we?? :D
by Twins Fan
Thu Jul 17, 2014 6:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or a 30 year & Invest?
Replies: 34
Views: 3329

Re: Keep house or sell

Well, no... the numbers using the original post would be a mortgage and HOA fee expense of $1600 and an income of $1300 (1450 - 150 to prop. mgr.) for $300 the OP would have to cover with a renter, or $1600 the OP would have to cover if vacant for a month. There's nothing unaccounted for that would ...
by Twins Fan
Thu Jul 17, 2014 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keep house or sell
Replies: 14
Views: 929

Re: Keep house or sell

How long would you be away for the job opportunity, since you say you could move back? Would you want to buy or rent when you get to where the job opportunity takes you? What do you have now for capital gains on the place? That exclusion can be tough to pass up. I became an accidental landlord in 20...
by Twins Fan
Thu Jul 17, 2014 6:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Keep house or sell
Replies: 14
Views: 929

Re: Take a 15year mortgage or 30 year & Invest?

Does A or B end up with the advantage when,... at 15 years when A is done with the mortgage, or at 30 years when B is done? If at 30 years, did A take the old mortgage payment amount and invest that for 15 years? Depends on rate of return and mortgage rate and all that also. You ask a very open ende...
by Twins Fan
Thu Jul 17, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or a 30 year & Invest?
Replies: 34
Views: 3329

Re: Pre tax vs. after tax retirement investing

Your guess on the future is as good as ours. :) In the highest tax bracket now, deferring taxes as much as you can is tough to pass up. It sounds like you would still have plenty to invest in taxable also. Also, sounds like you will be set up pretty well either way for the future. And, love the scre...
by Twins Fan
Wed Jul 16, 2014 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Pre tax vs. after tax retirement investing
Replies: 15
Views: 1512

Re: Advice on setting up asset allocation

I have to wonder about the sudden 85/15 AA. You seem to be pretty conservative having much of your cash in money market funds. Now, a switch to 85/15 and with a tilt to small cap and EM? You sure you (and wife) can handle a downturn... how long have you been investing?
by Twins Fan
Wed Jul 16, 2014 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on setting up asset allocation
Replies: 4
Views: 803

Re: New $35000 to Roth IRA - Dollar Cost Averaging???

I was wondering about the conversion also. I guess I assumed the OP was in a low income year this year (lay off, sabbatical,...) and was taking advantage of that.

OP, have you done this conversion already? What's your income for the year looking like? Traditional may be better here...
by Twins Fan
Tue Jul 15, 2014 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: New $35000 to Roth IRA - Dollar Cost Averaging???
Replies: 13
Views: 968

Re: New $35000 to Roth IRA - Dollar Cost Averaging???

Not what do you want for an AA... How did you have the 457b invested with the bad funds... 75/25? You said conversion to your Roth IRA... I take that to mean you already had a Roth with some $$ in there. How is that invested... 75/25? Either way, you're talking $35k here and a 6 month DCA time frame...
by Twins Fan
Tue Jul 15, 2014 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: New $35000 to Roth IRA - Dollar Cost Averaging???
Replies: 13
Views: 968

Re: New $35000 to Roth IRA - Dollar Cost Averaging???

Where was the conversion from and how was it invested there? Why dollar cost average now? I'm guessing it was invested in some way before. Stick to the plan.
by Twins Fan
Tue Jul 15, 2014 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: New $35000 to Roth IRA - Dollar Cost Averaging???
Replies: 13
Views: 968

Re: Portfolio Advice Late Starter

Do you have a 403b and TSP available to you to contribute to? I'm not sure from your post. Or, is one from a prior employer and one new? What funds are available in the 403b, of you contribute to that one still? It sounds like you should "catch up" just fine even being a late starter. If y...
by Twins Fan
Tue Jul 15, 2014 6:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Late Starter
Replies: 1
Views: 438

Re: Using Emergency Fund to Pay off Auto Loan

Seems the sudden daycare costs and soon to be new baby are more emergency than paying off the car loan. At least to me. I would keep the cash around at this time. I would also stop the Roth contributions for now. That's a couple hundred extra bucks a month at a time where it sounds like that's neede...
by Twins Fan
Tue Jul 15, 2014 6:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to Pay off Auto Loan
Replies: 20
Views: 1550

Re: Did I make out like a bandit - interest (not Sallie Mae)

The payoff amount is treated differently, I believe. Just like if you refi. Then they want their daily interest. The bank isn't going to get cheated, right? :D But, along the way they keep it pretty simple for us.
by Twins Fan
Tue Jul 15, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I make out like a bandit - interest (not Sallie Mae)
Replies: 11
Views: 1226

Re: Did I make out like a bandit - interest (not Sallie Mae)

12%... what is this the '80s? :D You seem to think there's some daily interest calculation going on here? Not for the typical mortgage. Look at the amortization schedule and you will see the each scheduled payment is based off the principal balance at the time of the payment. Not the month prior. Yo...
by Twins Fan
Tue Jul 15, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did I make out like a bandit - interest (not Sallie Mae)
Replies: 11
Views: 1226

Re: Did I make out like a bandit - interest (not Sallie Mae)

As far as I know, the principal and interest portions for the payment are figured out on the due date. So, the 07/01 payment is figured off of the principal balance on 07/01.
by Twins Fan
Tue Jul 15, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Did I make out like a bandit - interest (not Sallie Mae)
Replies: 11
Views: 1226

Re: Moving From Bonds Into Stocks

So, market timing... good or bad... is that what you're wondering here?

Have you read around the Boglehead forum much, Nerd? :D :wink:
by Twins Fan
Tue Jul 15, 2014 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: What To Do During A Correction In Stocks?
Replies: 31
Views: 3613

Re: Investing is starting to get boring

Sounds like you're doing it correctly then.
by Twins Fan
Sun Jul 13, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 3839

Re: Moving from Midwest to Coastal Cities: COL Adjustment?

Have I missed out anything? Lastly, I am also taking a "personal sacrifice", I hate crowds, cities and commute, but I'm willing to move if the $$$ is good. People, personalities, manners, etc... Don't know where in the Midwest you're from, but it's likely VERY different from NYC... or, ma...
by Twins Fan
Sun Jul 13, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2483

Re: Investing To Buy A House

Base on my current income, I will have about 6k a year to work with. Of course this could change over time. Mess around with some investment calculators and see what different rates of return on $6k/year over 5 years. This is not much time for compounding to do it's thing and you're not starting wi...
by Twins Fan
Sun Jul 13, 2014 11:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing To Buy A House
Replies: 13
Views: 1271

Re: Want international exposure? You already have it.

How much Japan makes up your portfolio, Angst? Probably not much percentage wise. The Japan arguers probably hold about half (market weight) to 70% of their equities in the U.S. Is holding some international going to save one if half to three quarters of thier equities are in one country? If one rea...
by Twins Fan
Wed Jul 09, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6280

Re: How old is your OLDEST motor vehicle?

1970 Chevelle... loud, fast, gas hog, and not bogleheadish at all. :D
by Twins Fan
Wed Jul 09, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: How old is your OLDEST motor vehicle?
Replies: 15
Views: 1274

Re: Auto Accident/Insurance/Repair Question

That's insurance company stuff then.... and it's ridiculous.
by Twins Fan
Mon Jul 07, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Auto Accident/Insurance/Repair Question
Replies: 37
Views: 1782

Re: How do I stop worrying about money?

You last few realize this thread was from March, right?

Why dig up an old thread just to criticize someone's post, Dave? Do you feel better now?
by Twins Fan
Mon Jul 07, 2014 11:23 am
 
Forum: Personal Finance (Not Investing)
Topic: How do I stop worrying about money?
Replies: 71
Views: 7468

Re: Buying adult child a house vs paying their rent

Strictly financially, if mom is going to support the kid might as well have the kid move in with mom. Mom may be better off with the kid not living with her. The stress of living with a very irresponsible person must be high. It's not clear what is wrong with the kid, although lit sounds like irres...
by Twins Fan
Sat Jul 05, 2014 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying adult child a house vs paying their rent
Replies: 37
Views: 4022

Re: Tiny House Movement

I live alone now (divorced) and have 978 sq ft rambler with 3 BRs for when the kids stay with me... 1 car garage, nice little storage shelf in garage, and nice yard. I love it!! Not as much to clean, or heat, or... Only thing is just 1 bathroom which tends to cause at least one timing issue whenever...
by Twins Fan
Sat Jul 05, 2014 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 15672

Re: Auto Accident/Insurance/Repair Question

For all the non-police officers out there suggesting the blame or at fault is shared on this one, stop talking. :wink: The accident happened because someone ran a red light. That's the at fault driver. Simple as that. If the not at fault driver was always expected to know what the at fault driver wa...
by Twins Fan
Sat Jul 05, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Auto Accident/Insurance/Repair Question
Replies: 37
Views: 1782

Re: Buying adult child a house vs paying their rent

Strictly financially, if mom is going to support the kid might as well have the kid move in with mom. I'm guessing that's not an option though?? I would only do the home buying thing if mom has $100k (or whatever) to lose. From the sounds of it that's what would happen. I'm curious about the "c...
by Twins Fan
Sat Jul 05, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying adult child a house vs paying their rent
Replies: 37
Views: 4022

Re: investing and debt

Nobody said anything about beans and rice. You just described snowballing the same as I did earlier. Although it still doesn't include $100 here or there and future income increases divided between.... You change like the winds... Is the $100 at the mortgage to get rid of PMI or is it to make for mo...
by Twins Fan
Sat Jul 05, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: investing and debt
Replies: 22
Views: 1419

Re: Auto Accident/Insurance/Repair Question

I need advice on how to approach this with the auto insurance company and getting my car replaced or repaired. Advice... Call your insurance company and tell them what happened!! You say "recently", so I assume this didn't happen 2 hours ago. And, you sat on this a few days to ask a bunch...
by Twins Fan
Sat Jul 05, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Auto Accident/Insurance/Repair Question
Replies: 37
Views: 1782

Re: Am I on the right track at age 34?

Have you been contributing to a Roth IRA? Yes, I do 5500 per year in Roth IRA. That + my employer contribution totals 24k/year. That's all I'm doing for retirement savings. Do you think I should be saving more? Yes,... or at least saving in a different way. It does seem you've been saving just most...
by Twins Fan
Fri Jul 04, 2014 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track at age 34?
Replies: 19
Views: 2275

Re: investing and debt

Thanks for the advice. I think I reached a level of debt repayment/ investment that I'm comfortable with. When I was evaluating our finances, I reduced the college fund contributions to $25/mo each. I can't bring myself to drop it to zero. And I am still adding $100 extra to mortgage principal to r...
by Twins Fan
Fri Jul 04, 2014 8:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: investing and debt
Replies: 22
Views: 1419

Re: investing and debt

Depends on who your asking... :D You will probably get answers from both sides with some saying pay down debt and others saying max tax advantaged retirement space at least. Most will want to know the interest rates on the SL and mortgage and if those are tax deductible. As you know, get rid of the ...
by Twins Fan
Fri Jul 04, 2014 4:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: investing and debt
Replies: 22
Views: 1419

Re: Am I on the right track at age 34?

Rather than sit on $70k cash earning 0.20% you could throw $14k at the real estate charging 2.5%. That seems like a win/win. Without knowing the exact numbers, it seems you could be saving more? At $24k saved a year it seems like most of that would be from the very nice employer match/contribution y...
by Twins Fan
Fri Jul 04, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track at age 34?
Replies: 19
Views: 2275

Re: Having Doubts About My 60/40 Allocation

As a fellow late starter myself, I don't see anything wrong with what you want to do, OP. If you're a late starte like me, then were probably talking a small sum of $$ here... five figures? I don't think it's too reckless to be all equities at that point. I might suggest reviewing it again at 45 ish...
by Twins Fan
Fri Jul 04, 2014 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Having Doubts About My 60/40 Allocation
Replies: 43
Views: 3068

Re: Sell rental property to pay down mortgage?

Welcome! First post there doesn't give us much to go on, as far as your overall picture. Sounds like you're doing pretty well though. I guess I would ask,... Why did you buy a rental with cash a few years ago rather than pay down the primary mortgage? Do you mind being landlords? Is the rental in a ...
by Twins Fan
Thu Jul 03, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sell rental property to pay down mortgage?
Replies: 5
Views: 555

Re: Payoff Car For Best Credit Score

I don't know the answer to which is best for the credit score. But, I would go along the lines of... who cares. I have never carried a loan I took out to full term, always paid them off early, don't carry credit card balances, and my credit score has hovered around 800 for years. It sounds like you ...
by Twins Fan
Thu Jul 03, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Payoff Car For Best Credit Score
Replies: 21
Views: 1430

Re: 401k: If parents dont need the $, do an aggressive AA

There is the school of thought that someone can set the AA for the heirs if they don't need to dip into the portfolio... BUT, it's up to your parents how they set their AA while it's still THEIRS... and if you have no idea what the AA is, how do you know it's not aggressive already... Sounds like yo...
by Twins Fan
Wed Jul 02, 2014 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k: If parents dont need the $, do an aggressive AA
Replies: 16
Views: 1083

Re: Changed Lawyers - Won't Transfer File

I'll provide some insight... and I'm not even a lawyer. Go get the stinkin file! In the part you posted from the rules of conduct, "extent reasonable practable" and "surrender papers" are far to vague to get "required to mail" from it. The rules were likely written by l...
by Twins Fan
Wed Jul 02, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Changed Lawyers - Won't Transfer File
Replies: 29
Views: 2234
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