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Re: How to finance major home improvements

Yes, I think you may need a pay cash option there. Also, what is meant by "major home improvements"?... A new roof, remodel bathroom/kitchen, new driveway etc.? That's what I think of when I see major home improvements. I would pay cash, or save and pay cash for those. I can't imagine tak...
by Twins Fan
Wed Aug 20, 2014 7:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to finance major home improvements
Replies: 14
Views: 269

Re: How to finance major home improvements

Ah, see... we need to define home improvements first. My idea of improvements is on a much smaller scale. Makes sense though... maybe mine aren't so much improvements, but upgrades/maintenance/I don't know.
by Twins Fan
Wed Aug 20, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to finance major home improvements
Replies: 14
Views: 269

Re: How to finance major home improvements

Yes, I think you may need a pay cash option there. Also, what is meant by "major home improvements"?... A new roof, remodel bathroom/kitchen, new driveway etc.? That's what I think of when I see major home improvements. I would pay cash, or save and pay cash for those. I can't imagine taki...
by Twins Fan
Wed Aug 20, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to finance major home improvements
Replies: 14
Views: 269

Re: Newbie - Please critique my portfolio - suggestions welc

A couple lines from your post... I am currently living paycheck to paycheck and don’t have that much money left over for investing. I have no savings. Then slow down the train! Investing should be nowhere near the top of your priority list right now. It's good you are excited about investing, but fi...
by Twins Fan
Wed Aug 20, 2014 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie - Please critique my portfolio - suggestions welcome
Replies: 5
Views: 280

Re: New Investor!! Did I make a mistake?

It's not a bad fund, but you will find more fans of the value side around here.

I don't really mess with tilting one way or the other, so I will leave any recommendations for others.
by Twins Fan
Tue Aug 19, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1481

Re: New Investor!! Did I make a mistake?

Did you make a mistake? Yes, jumping in blind and thinking you know more than someone that started the STAR fund for you when you were born. :D Why a growth index fund anyway? Slow down there, young fella. Moves you make today aren't going to make you rich by tomorrow. You have plenty of time... rea...
by Twins Fan
Tue Aug 19, 2014 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor!! Did I make a mistake?
Replies: 39
Views: 1481

Re: 401k versus Roth IRA

It's just a simple early withdrawal. You put your money in and now you want to take it out. You will get paperwork at the end of the year that will list the contributions, the early withdrawal, and some letter (like J, I don't recall) to say it was contributions and not a taxable withdrawal. I did i...
by Twins Fan
Tue Aug 19, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k versus Roth IRA
Replies: 15
Views: 651

Re: Wash D.C. speed camera - how accurate?

Nice long drawn out post. Likely did much better to convince the OP not to challenge it than I did. :D

Still doesn't change the fact that they don't KNOW how fast they were going.
by Twins Fan
Tue Aug 19, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Wash D.C. speed camera - how accurate?
Replies: 29
Views: 1540

Re: Roth IRA Question

Time in the market is more important than timing the market. At 23 years old, do you think the S&P 500 will be higher 20 - 30 - 40 years from now? If yes, it probably mattes little if you jump in now or next year or..... I'd say the Lifestrategy Growth fund would be good for now, or throw it in ...
by Twins Fan
Tue Aug 19, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA Question
Replies: 7
Views: 426

Re: Wash D.C. speed camera - how accurate?

What does the accuracy of the camera matter if your accuracy is off? :D

You don't think you were over 40 mph??? I wouldn't waste your time if you don't even know how fast you were going.
by Twins Fan
Tue Aug 19, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Wash D.C. speed camera - how accurate?
Replies: 29
Views: 1540

Re: Long term bond tilting?

Knowing Larry Swedroe's take on the LT treasuries, I will be able to read his bond book knowing one of his takes on the matter in advance, which helps. Thank you again, Robert. Spoiler alert. :D ... If you bought Larry's "Only Guide to a Winning Bond Strategy You'll Ever Need" book, don't...
by Twins Fan
Tue Aug 19, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: Long term bond tilting?
Replies: 14
Views: 1192

Re: Is a big war coming ???

What does "war times" mean? Because I'd say it's been war times for more than a decade now. Shouldn't commodities have been going up for a while....
by Twins Fan
Tue Aug 19, 2014 8:07 am
 
Forum: Investing - Theory, News & General
Topic: Is a big war coming ???
Replies: 37
Views: 3681

Re: In-Law Financial Issues (long)

What the heck should you do?... Easy, divorce the wife, no longer worry about the in laws, and sleep well!... I kid :D There is nothing that requires the in laws to save and spend in a way that pleases you, OP. There is also nothing the requires you to help them later IF they even need it. To me it ...
by Twins Fan
Mon Aug 18, 2014 2:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: In-Law Financial Issues (long)
Replies: 44
Views: 4036

Re: Strategic Default

It was simply a point being made.

I really hope picking apart posts makes some of you feel better. :wink:
by Twins Fan
Fri Aug 15, 2014 1:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3029

Re: Strategic Default

1. My understanding is the state in question very much IS a recourse state, so that may be the deciding factor.. Does it matter if he no longer lives in that state? From what I understood looking into all this, nope doesn't matter where he lives. It would go off where the property is. That's anothe...
by Twins Fan
Fri Aug 15, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3029

Re: Strategic Default

[OT comment removed by admin LadyGeek]
by Twins Fan
Fri Aug 15, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3029

Re: taxes on rental property sale

As a rental property owner I've looked into this before to see what selling would be like, and I agree it's as clear as mud. Along the lines of what Joe said, I believe to figure your loss you don't go off what you paid in 2006 but whatever value was used when you converted it to a rental (what your...
by Twins Fan
Fri Aug 15, 2014 8:46 am
 
Forum: Personal Finance (Not Investing)
Topic: taxes on rental property sale
Replies: 8
Views: 843

Re: Strategic Default

Moral issues aside, at what point would one consider a strategic default on a property? Situation: My brother purchased a condo at the top of the bubble, later got married, got out of the military, and moved out of state. The condo is STILL 25-30k under water 8 years later. He currently has a rente...
by Twins Fan
Thu Aug 14, 2014 7:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Strategic Default [on a property]
Replies: 42
Views: 3029

Re: US Equity Benchmark Options

The S&P 500 is about 70 - 80% of a total stock market fund. So if you're looking for simple and three fund type, that's the way to go out of those choices.
by Twins Fan
Thu Aug 14, 2014 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: US Equity Benchmark Options
Replies: 4
Views: 221

Re: Pay off that Mortgage?

I think it is best to maximize 401K and Roth. If you have extra money on top of that, you can consider paying of mortgage. Mortgage payoff returns is a sure thing (with interest rates being low now, it is less but still a sure thing). Personally I prefer to be debt free and will sleep better withou...
by Twins Fan
Thu Aug 14, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay off that Mortgage?
Replies: 18
Views: 2498

Re: I don't have enough cash for index funds

I'm not familiar with Fido and their minimums, but probably just a money market fund for now? How did they let you open it if you didn't have the minimum amount? Might want to wait until you have the full $2500 for the minimum for yours and for the wife's next year. Keep it in a savings account to m...
by Twins Fan
Thu Aug 14, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: I don't have enough cash for index funds
Replies: 42
Views: 3374

Re: Fed Taxes on Sale of Rental/Primary Residence

No, because I've never filed for an extension. Have those of you that chimed in about that ever heard of letting the OP answer the question asked of them. :wink:
by Twins Fan
Wed Aug 13, 2014 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fed Taxes on Sale of Rental/Primary Residence
Replies: 12
Views: 875

Re: Pay off that Mortgage?

Is that the only investment option? I would look at it the other way. If I were to hold onto a debt having the money to pay it off, but invested the money instead it better give me quite a kicker over the debt interest rate. Nearly identical interest rates for me would be an easy pay off the debt ca...
by Twins Fan
Wed Aug 13, 2014 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay off that Mortgage?
Replies: 18
Views: 2498

Re: a number of questions on indexing

Wow, only 41 questions... I'm suprised there isn't more response. Or, I should say I'm suprised there has been some response. I couldn't even make it reading through all the questions. johnny, start different threads with maybe a few questions in each one. This was just too much... almost annoying. ...
by Twins Fan
Wed Aug 13, 2014 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: a number of questions on indexing
Replies: 20
Views: 2740

Re: Should I make my entire tax-deferred portfolio bonds?

As mentioned, you don't have any tax deferred accounts yet. The Roth is tax advantaged because you paid taxes already on the contributions and don't pay taxes later on the gains (avoiding penalties of course). Will you have a 401k or similar available through your employer? Think of yourself having ...
by Twins Fan
Wed Aug 13, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I make my entire tax-deferred portfolio bonds?
Replies: 8
Views: 1131

Re: Fed Taxes on Sale of Rental/Primary Residence

If you sold it last year (2013), why are you figuring this out and asking in August 2014? This should have been all done already, right? I think others have it right saying depreciation is the likely tax here. Sounds about right... wild guess numbers of $5k/year depreciation, 2.5 years as a rental, ...
by Twins Fan
Wed Aug 13, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Fed Taxes on Sale of Rental/Primary Residence
Replies: 12
Views: 875

Re: Need for International Investing ?

Hence, why I asked if it would be good enough. :happy One could ask all kinds of things.... If one holds 20% of a 50/50 portfolio in total international, how much of a boost is the international part going to give even if it outperforms? Depends how much it outperforms by, right? :happy For the OPs ...
by Twins Fan
Sun Aug 10, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2474

Re: Need for International Investing ?

For me it's not about what will do better... it's about what will do good enough. I think it's been shown and believed to continue that the larger companies will do roughly the same over the long term no matter where they're from. I think Larry has even said that the international bonus, not sure if...
by Twins Fan
Sun Aug 10, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2474

Re: 3.3% Vanguard 10 year CD

To go backwards here... How is the 7 year CD ladder structured so that the first one is due to mature in 6 months? There should have been CDs maturing each year since the ladder was implemented, right? the CD ladder is 6.5 years old now, with first level maturing in 6 months, nothing matured yet, s...
by Twins Fan
Sun Aug 10, 2014 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 90
Views: 8038

Re: How to change funds in Vanguard roth IRA

Yep, easy... sell what you have and purchase what you want. I don't think you can do as you plan though. From the sounds of it you have a small amount of $$ in there and just started the Roth this year... so, less than $5500? You need $3000 to buy/start each of the three funds you want to buy. Doesn...
by Twins Fan
Sun Aug 10, 2014 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: How to change funds in Vanguard roth IRA
Replies: 5
Views: 366

Re: 3.3% Vanguard 10 year CD

My personal feeling, and just a feeling, is that 3.3% is pretty good now and likely to be pretty good for some time. I think rates will be low for a while. Of course my crystal ball is as good as anyone elses. :) If you're happy with the rate, look at it from the average inflation rate stand point, ...
by Twins Fan
Sun Aug 10, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 90
Views: 8038

Re: 3.3% Vanguard 10 year CD

To go backwards here... How is the 7 year CD ladder structured so that the first one is due to mature in 6 months? There should have been CDs maturing each year since the ladder was implemented, right? the CD ladder is 6.5 years old now, with first level maturing in 6 months, nothing matured yet, s...
by Twins Fan
Sun Aug 10, 2014 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 90
Views: 8038

Re: 3.3% Vanguard 10 year CD

To go backwards here... How is the 7 year CD ladder structured so that the first one is due to mature in 6 months? There should have been CDs maturing each year since the ladder was implemented, right?
by Twins Fan
Sun Aug 10, 2014 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 90
Views: 8038

Re: Need for International Investing ?

I think we've all taken someone's word about all this stuff. I don't think anyone here invented any of this stuff. We get our influences from somewhere, right? The "evidence" I've seen in many recent threads shows it really hasn't mattered if or how much one invested internationally. I thi...
by Twins Fan
Sun Aug 10, 2014 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2474

Re: Can the reverse of market timing work?

Anything can work... but, will it? :) OP, you say the market a bunch in your post and talk of 50% losses. It seems like you mean all stocks? I would assume this retired person has a mixed AA of stocks and bonds (or fixed income). Could this be looked at as a way of rebalancing rather than "timi...
by Twins Fan
Sat Aug 09, 2014 6:33 pm
 
Forum: Investing - Theory, News & General
Topic: Can the reverse of market timing work?
Replies: 18
Views: 2071

Re: cash reserves

Why do you think the market is "so volatile" at this time compared to any other time?
by Twins Fan
Sat Aug 09, 2014 6:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: cash reserves
Replies: 19
Views: 1825

Re: 3.3% Vanguard 10 year CD

Simple guy, simple question here. :happy ... It's already been touched on too. Wouldn't this mess up the 7 year ladder going to a 10 year CD... is that a concern?
by Twins Fan
Sat Aug 09, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 90
Views: 8038

Re: Larry Swedroe

I believe he just had a recent elbow surgery, or something d oto with an arm. That my be limiting his article writing ability, or his want to type for a while. But, he's been plenty active posting on our Boglehead forum. That's all we care about status wise, right? :D
by Twins Fan
Sat Aug 09, 2014 10:39 am
 
Forum: Local Chapters and Bogleheads Community
Topic: [Looking for] Larry Swedroe
Replies: 9
Views: 1722

Re: Which mortgage to pay off first? Youngin looking for fre

The topic has come up before and I feel folks make good points for all... paying down the rental with a higher rate, paying down the primary, or not paying either down and investing instead. I think it comes down to personal preference really. As an owner of a primary residence and a rental home, he...
by Twins Fan
Sat Aug 09, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Which mortgage to pay off first? Youngin looking for freedom
Replies: 9
Views: 1273

Re: Boat loans

Taking a loan out for a boat is the same as investing in a business..... okay?? :confused The OP did not say, but I didn't take the post as the OP has, say $15k to buy a boat should they leave it invested and take out a low interest loan. I took it as the OP doesn't have the cash to buy a boat, but ...
by Twins Fan
Mon Aug 04, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Boat loans
Replies: 27
Views: 1582

Re: Boat loans

Along the lines of others in here, never finance a toy!

Signed, the guy who once financed a toy. :oops: Never again!!
by Twins Fan
Sun Aug 03, 2014 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Boat loans
Replies: 27
Views: 1582

Re: International investing. A good call by our mentor.

I'd say the selection bias could apply to anyone that chooses to follow the advice of any expert. We all pick and choose who we listen to. I like Larry's advice on bonds, Taylor's advice on keep it simple, and the Killer B's advice on international.

I select all over the place. :D
by Twins Fan
Sun Aug 03, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12275

Re: Too many goals - where do I start?

However, our family plan is important too and we have already decided that moving is the right choice for our family. How do I adequately prepare for that major goal in my time frame of 2-3 years, without sacrificing these other, also important, items? You don't... Unless you make lots of money, so...
by Twins Fan
Sun Aug 03, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too many goals - where do I start?
Replies: 53
Views: 3857

Re: International investing. A good call by our mentor.

I have to say a big part of my take on the international deal comes from the Killer B's there :happy saying it is not necessary. Yes I know, they're old, and dinosaurs, and home country bias, and... But, I have yet to be convinced that any other experts are wiser than they are.
by Twins Fan
Sun Aug 03, 2014 11:04 am
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12275

Re: Investing Account Advice

I make roughly the same salary and have no idea how you can afford a house/mortgage like that AND save $30k a year. Your soon to be ex must make pretty good money? As a divorced person myself, I say keep all your cash as liquid and safe as possible until the divorce is final and the new living situa...
by Twins Fan
Sun Aug 03, 2014 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing Account Advice
Replies: 10
Views: 920

Re: International investing. A good call by our mentor.

Does this seem like absurd recency bias to anyone else due to the recent outperformance of US equities? It's only very recently true that U.S. equities outgained International equities over a 15-year period. I'll give Taylor the benefit of the doubt here since this forum is his baby, but this does ...
by Twins Fan
Fri Aug 01, 2014 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 12275

Re: How Much Did You Lose Today?

Oh, I gotcha... Yes, different viewpoints going on here. All of my shares are in tax deferred and basically are untouchable for me, and retirement is a good ways off. So, unless 15 or so years from now the market is where it was yesterday I hope not to feel a loss of a couple percent from 07/30/14 t...
by Twins Fan
Fri Aug 01, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14044

Re: How Much Did You Lose Today?

Where's the "none" or "nothing" option? I have the same number of shares as I did yesterday and the day before, and I didn't sell any yesterday..... So, I didn't lose anything. Shares for a small investor are only worth what some will pay for them and in turn what that money wil...
by Twins Fan
Fri Aug 01, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14044

Re: Home/Auto Loan, Rates, and Payments

The difference on interest paid/saved over 3 or 5 years between the auto loan rate compared to the mortgage rate is not enough of a savings to make it worth the extra bill to me. That's why I call it a game. Just me there. I took it as you were only going to put 20% down on the new mortgage. That's ...
by Twins Fan
Fri Aug 01, 2014 11:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Home/Auto Loan, Rates, and Payments
Replies: 10
Views: 764

Re: How Much Did You Lose Today?

Where's the "none" or "nothing" option?

I have the same number of shares as I did yesterday and the day before, and I didn't sell any yesterday..... So, I didn't lose anything.
by Twins Fan
Fri Aug 01, 2014 10:45 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14044
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