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Re: Cash as an asset class?

So does your emergency fund increase as your portfolio grows? Seems like it should be the other way.
by am
Sat Apr 25, 2015 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash as an asset class?
Replies: 27
Views: 2087

Re: Marketplace Lending as an Asset Class

I have not invested. Seems like the time and effort for 5% of portfolio is not worth it for me. Maybe if it is like a hobby? Why not just use a high yield muni or junk bond fund?
by am
Mon Apr 20, 2015 6:10 pm
 
Forum: Investing - Theory, News & General
Topic: Marketplace Lending as an Asset Class
Replies: 6
Views: 580

Re: Has anyone changed their asset allocation

No changes for me. I am saving as much as I reasonably can and I will be thankful for whatever the stock and bond markets give me over my investment lifetime. I am not sure I understand why Vanguard recommends 40% international now. Sounds like market timing based on valuations. Didn't they learn fr...
by am
Mon Apr 20, 2015 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: Has anyone changed their asset allocation
Replies: 58
Views: 3381

Cash as an asset class?

Anyone have cash as part of their allocation? Just simple money market or FDIC savings account? Say a percentage of fixed assets so if bonds grow you sell some to maintain ratio of cash?
by am
Mon Apr 20, 2015 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cash as an asset class?
Replies: 27
Views: 2087

Re: Basic ETF question

Nothing will happen. Just make sure to set it for automatic reinvestment of dividends. Understand what fees if any there may be if your balance is on the low side.
by am
Mon Apr 20, 2015 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Basic ETF question
Replies: 3
Views: 291

Re: Using Zillow/Zestimate to value a home?

Zillow provides a value range. In my area, this works for most houses. Obviously higher end of the range will be updated houses on great lots, etc.
by am
Sun Apr 19, 2015 9:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using Zillow/Zestimate to value a home?
Replies: 43
Views: 4651

Re: Can Shiller's PE10 (CAPE) Get Any More Discredited?

I like the quote about market staying irrational longer than we can stay solvent. Stay the course. We may be on a long ride to PE 10= 65. Or maybe not :D
by am
Sun Apr 19, 2015 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: Can Shiller's PE10 (CAPE) Get Any More Discredited?
Replies: 81
Views: 5558

Re: Non Qualified Plan

The money you contribute is the property of the company until distribution time. I can not tolerate being one of the last in line creditors if the company goes under. We all know so called stable large companies that went under. Despite how much I want to sock away more pre tax money, I do not want ...
by am
Sun Apr 19, 2015 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Non Qualified Plan
Replies: 5
Views: 511

Non-government 457b strategy

I have maxed out all tax deferred space and am currently investing excess funds In taxable. The non-gov 457b has obvious downsides but I work for a major health care organization so chances of failure are low. I am in the 33% fed. bracket and 5% state so I would be able to invest 18000 instead of th...
by am
Sun Apr 05, 2015 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non-government 457b strategy
Replies: 1
Views: 190

Re: Taxable savings vs versus deferred non 401k/403b

Not eligible due to income. Have a lot in IRA so conversions would be expensive right now.
by am
Sat Mar 28, 2015 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable savings vs versus deferred non 401k/403b
Replies: 5
Views: 327

Re: Taxable savings vs versus deferred non 401k/403b

Tough to say right now but hoping to be able to retire by mid 50s.
by am
Sat Mar 28, 2015 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable savings vs versus deferred non 401k/403b
Replies: 5
Views: 327

Taxable savings vs versus deferred non 401k/403b

Is it better to continue savings into a taxable account (after maxing 401k, HSA, 529 to state deduction) or contribute some money to a non deductible IRA for wife and myself and private sector 457b (risk of failure is minimal-huge top rated medical center)? I am 33% bracket and anticipate 25% in ret...
by am
Sat Mar 28, 2015 9:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Taxable savings vs versus deferred non 401k/403b
Replies: 5
Views: 327

Re: Why 529 plan makes any sense??

Why not taxable before 457b? Private sector 457b seems like it has too many downsides.
by am
Wed Mar 25, 2015 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8799

Re: Should I invest my emergency fund?

I wonder whether we would have such a discussion if there was a bear market?
by am
Sun Mar 22, 2015 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Should I invest my emergency fund?
Replies: 71
Views: 6329

Re: Economist Article on role of government bonds

Stocks have lost >50% of their value just recently. If you Invest in high quality short to intermed. Bonds, they will always serve as a shock absorber.
by am
Sat Mar 21, 2015 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Economist Article on role of government bonds
Replies: 11
Views: 1762

Re: Route to an $8 Million Portfolio Started With Frugal Liv

Agree interesting. But invested in individual stocks including Lehman. Not really Boglehead.

Do not think bogleheads have been around long enough to have a similar type of story? Anyone here of modest means invested in Vanguards S&P 500 fund since inception and is now wealthy beyond belief?
by am
Sat Mar 21, 2015 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Route to an $8 Million Portfolio Started With Frugal Living
Replies: 31
Views: 5094

Re: "6 Lessons From the 6-Year-Old Bull Market"

Nice article. Stick to an allocation through thick and thin. Market is unpredictable both in which way it goes and for how long.
by am
Sat Mar 14, 2015 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: "6 Lessons From the 6-Year-Old Bull Market"
Replies: 11
Views: 2805

Hsa bank trustee transfer question

I requested a trustee to trustee transfer from my old Hsa account to HSA bank at the end of Jan. My old trustee disbursed the final check on Feb 26. Hsa bank has not applied the funds to my new account. When I call them they are not helpful and tell me to keep waiting. Is this a normal time frame or...
by am
Wed Mar 11, 2015 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Hsa bank trustee transfer question
Replies: 1
Views: 160

Re: How do you watch TV differently after "cutting the cable

Unfortunately more tv because With Netflix, I actually find stuff I like to watch without annoying commercials. I have gotten hooked on multiple series like Breaking bad, prison break, dexter, etc. I occasionally watch documentaries and movies which if I am not into as much are casual watching and I...
by am
Sun Mar 08, 2015 4:03 pm
 
Forum: Personal Consumer Issues
Topic: How do you watch TV differently after "cutting the cable"?
Replies: 23
Views: 2244

Thinking of buying electric shaver

I have been using Gilette Mach 3 for years and like the close shave. I do not Iike the cost of replacing cartridges and occasionally the razor itself. Can anyone recommend an electric shaver? Have you found it to give as close and comfortable a shave as the Gillette razors? Do electric shavers resul...
by am
Sun Mar 08, 2015 3:29 pm
 
Forum: Personal Consumer Issues
Topic: Thinking of buying electric shaver
Replies: 29
Views: 1851

Re: How is Your Pension Counted when Calculating Net Worth.

Can most pensions be cashed out before retirement age? My state pension can since I no longer work there. I can roll over my lump sum into an IRA at Vanguard. Despite all the reforms that have been discussed. I believe this lump sum refund is safe. I like to track networth to keep up with my progres...
by am
Sun Mar 08, 2015 2:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How is Your Pension Counted when Calculating Net Worth.
Replies: 40
Views: 3023

Re: How is Your Pension Counted when Calculating Net Worth.

I have the option to get an annuity at 62 or receive a lump sum at any time. This lump sum is (interest+contributions)*2. So I include the lump sum in my net worth because this is what I would get at the time of calculation. I do not however include this in my asset allocation since I can not manage...
by am
Sun Mar 08, 2015 7:58 am
 
Forum: Personal Finance (Not Investing)
Topic: How is Your Pension Counted when Calculating Net Worth.
Replies: 40
Views: 3023

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

Short term noise which does not matter. But it is kind of perverse that market goes down on such upbeat data. So fed will raise rates a quarter of percentage point or so, so what? This is still far from normal rates and will likely have 0 impact on anything. It is fun to have the market near record ...
by am
Sat Mar 07, 2015 9:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4522

Re: Help with 457 Options

You should take a look at how well your pension fund is funded before treating it like a bond. In my state, the current attempts at reform may one day leave me a fraction of what was promised to me. I therefore leave my pension out of the equation for calculating my "number". Whatever I ge...
by am
Thu Mar 05, 2015 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 457 Options
Replies: 4
Views: 345

Re: In what form do you keep your emergency fund?

Part of the reason why we are discussing what to do with emergency funds is the terribly low yields. I had no problem keeping it all in money market in 2007 when yields were 5%! Now you get 1% for fully safe and liquid savings account. Really stinks to have 100k sitting making this for my emergency ...
by am
Thu Mar 05, 2015 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: In what form do you keep your emergency fund?
Replies: 96
Views: 21782

Re: Has anyone ever voluntarily downsized their job?

I am thinking about it. I am a MD radiologist with 9-10 hour days glued to a chair + 1 hr commute. Volume quotas, constant interruptions, calls til 11 pm every 7th day and 3-4 th weekend with even higher workload. Have 8 weeks off but this does not help with stress and unhealthy lifestyle when I am ...
by am
Sun Mar 01, 2015 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone ever voluntarily downsized their job?
Replies: 32
Views: 2973

Re: International PE10 Update

kind of surprised to see so many threads on here about chasing hot assets and dropping cool ones over the years. I can only imagine what the unsophisticated investor does...
by am
Sat Feb 28, 2015 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: International PE10 Update
Replies: 28
Views: 2937

Re: HSA: spend or invest?

If you pay out of pocket for medical costs and save HSA money for the future, are you not essentially overpaying for services by your bracket? I am sure that at some point I will go from 33% bracket to less. Does it make more sense for me to use my HSA funds for medical expenses?
by am
Sat Feb 28, 2015 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA: spend or invest?
Replies: 31
Views: 3454

Re: Vanguard brokerage tax forms changed to late Feb. questi

It is one thing to promise the forms relatively late but changing the promised delivery to late Feb is what gets me upset. Now I hesitate to reschedule my appointment because what if promise changes to early March. This makes it very difficult for busy professionals with a tight schedule. Next year ...
by am
Sat Feb 14, 2015 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 95
Views: 8126

Vanguard brokerage tax forms changed to late Feb. question

Vanguard has changed the 1099 brokerage tax forms availability from mid to late Feb. I have an appointment with my accountant to do personal and business taxes next Sun 2/22. Accountant is real busy and he may not have any openings available in March. Are these forms essential or can I still go in w...
by am
Sat Feb 14, 2015 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 95
Views: 8126

Re: College savings costs / number

Agree that current tuition inflation is not sustainable and will reach a breaking point. This is especially true for non top tier schools. The value is not there for most kids at most schools. And nothing wrong or suboptimal going to a public university particularly if other choices are non IVY, MIT...
by am
Thu Feb 12, 2015 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 6847

Re: Bogglehead Career Advice

MD here. Given you are personable and like dealing with people, I think being a physician assistant may be something you would want to look into. Much less cost and time than being a physician, many specialties to choose from, better hours, much less liability, strong demand, pay is not too far off ...
by am
Thu Feb 12, 2015 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogglehead Career Advice
Replies: 42
Views: 3199

Re: My co. is switching HSA providers; Is HSA Bank best?

You can do HSA transfers between custodians multiple times each year. Roll overs where you get a check in hand to send to the new custodian can only be done once.
by am
Mon Feb 09, 2015 8:57 am
 
Forum: Investing - Theory, News & General
Topic: My co. is switching HSA providers; Is HSA Bank best?
Replies: 16
Views: 1278

Re: Paying off $1 million house in 10 years

I vote for buying a more affordable house with lower taxes, lower upkeep and lower utilities. I read that 90% of millionaires live in houses that cost less than 1 million.
by am
Sun Feb 01, 2015 8:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying off $1 million house in 10 years
Replies: 22
Views: 3172

Re: Mistake on W2 question

I just tell my employer to withdraw a percentage each pay period which leads to 17500k over 26 pay periods. Is it not their responsibility than to make sure that I reach the max for the year and have my W2 say 17500k. Seems to me like it is their mistake.
by am
Sat Jan 31, 2015 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mistake on W2 question
Replies: 17
Views: 1013

Re: Mistake on W2 question

Shouldn't my W2 for the 401k say 17500k for 2014 regardless of when I get paid?
by am
Sat Jan 31, 2015 9:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mistake on W2 question
Replies: 17
Views: 1013

Re: Mistake on W2 question

I maxed out both 401k and HSA but W2 shows numbers hundreds of dollars below. Thinking they messed it up because we get payed for last week in Dec in January biweekly. Roughly how much is this mistake costing me?
by am
Sat Jan 31, 2015 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mistake on W2 question
Replies: 17
Views: 1013

Mistake on W2 question

My W2 form lists 300 dollars less for 401k and 500 less for HSA than I contributed. Is this worth pursuing (33% bracket)- how much money am I losing? How long will a corrected form take typically for a big organization? We are doing taxes around Feb 24. Thanks.
by am
Sat Jan 31, 2015 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mistake on W2 question
Replies: 17
Views: 1013

Non qualified 457b strategy

I am hesitant to place any money into a 457b plan mainly because it is not protected in case of bankruptcy. Although I do think chances of my employer-large dominant metro hospital going bankrupt are minimal but who knows. I currently max retirement accounts and use a taxable account for additional ...
by am
Wed Jan 28, 2015 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Non qualified 457b strategy
Replies: 0
Views: 161

Re: Help!!! Dilemma on 457b

How can one assess the stability of a company? Bond ratings? I work for a major top rated health system, university, research center in a major metro which is expanding. Hard to imagine a bankruptcy. I can invest in a non governmental 457b which has excellent investment choices. I would like an earl...
by am
Sun Jan 25, 2015 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help!!! Dilemma on 457b
Replies: 10
Views: 1022

Re: Why invest in International funds? It's a mystery

Anyone know what % of international returns are a result of currency fluctuations over the long run? When we invest In international, are we placing a bet against the dollar?
by am
Sun Jan 18, 2015 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 11020

Re: Why invest in International funds? It's a mystery

Every time an asset class heats up, there are countless threads that turn up. Remember gold, emerging markets, commodities of yesteryear. I just stick to my 3 funder knowing I am sticking to the plan. Although I gotta admit, I am thinking of getting a tiny speculative component to my portfolio but f...
by am
Fri Jan 16, 2015 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 11020

Re: Is a Sub-4% SWR a Boglehead Quirk?

So retirement is a leap of faith for us relatively affluent Bogleheads who have more than Social security. We do not have enough data from the past and obviously no knowledge about the future to come up with an accuarate withdrawel rate. We do not know our life expectancy nor do we know the quality ...
by am
Tue Jan 13, 2015 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11102

Re: Is a Sub-4% SWR a Boglehead Quirk?

Wish I knew my life expectancy and quality of life throughout retirement. Than I could come much closer than knowing the precise SWR. Too bad firecalc does not do this :)
by am
Sun Jan 11, 2015 12:41 am
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11102

Re: Is a Sub-4% SWR a Boglehead Quirk?

They say that death and taxes are the only guarantees. Life is risky. No amount of money or swr will guarantee the retirement you want.
by am
Sat Jan 10, 2015 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11102

Re: Is a Sub-4% SWR a Boglehead Quirk?

Most of us who frequent this site will likely have a retirement with some luxuries which can be cut back if need be. In the worst case, social security in the last years would not be the end of the world.
by am
Sat Jan 10, 2015 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Is a Sub-4% SWR a Boglehead Quirk?
Replies: 177
Views: 11102

Issues with employer contributions to accounts

Have had some problems recently with delays after payroll deduction. Are there guidelines as to how long an employer is allowed to contribute to HSA and 401k accounts? What can be done about this issue?
by am
Thu Jan 08, 2015 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Issues with employer contributions to accounts
Replies: 6
Views: 805

Re: New Vanguard AMT-free National Municipal Bond Fund

Will check writing be an option with the new etf?
by am
Wed Jan 07, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 81
Views: 8146

Re: Taxable account versus 457b

Anyone know what happens to funds if you leave non government employer that has your 457b funds? Is it a taxable distribution automatically or can you keep it there? How about once you retire, how do distributions work? How about checking the credit rating of the health care entity I work at? Is the...
by am
Mon Jan 05, 2015 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account versus 457b
Replies: 14
Views: 1655

Re: Taxable account versus 457b

Good point.
by am
Thu Jan 01, 2015 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account versus 457b
Replies: 14
Views: 1655
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