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Re: I can't figure out my current asset allocation?

Here is what I calculate: Stocks 138,685.34 (67%) Bonds 67,786.66 (33%) Total 206,472.00 For the Target Date fund, go to Vanguard, find the fund and then look at the "Portfolio and Management" tab. That will show you the current percentage of stock and bonds. -OR- Use the Morning Star tool...
by bardenay
Sun Apr 13, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: I can't figure out my current asset allocation?
Replies: 12
Views: 635

Re: Recommended Brand/Model for a Heart Rate Monitor?

In the past I have had other Polar HR monitor and currently have an FT7. My experience is that they start out OK, but pretty quickly get flaky. For my next monitor I am going to look at Garmin and possibly others. One feature that I must have, regardless of brand is a display that shows heart rate a...
by bardenay
Sat Mar 15, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Recommended Brand/Model for a Heart Rate Monitor?
Replies: 13
Views: 812

Re: Random Walk Down Wall Street

I read the 2011 edition of A Random Walk Down Wall Street which was the first financial book I read that covered the 2008/2009 market crash. Putting that event in context with the past history of the stock market greatly helped me put things perspective and understand the market of today. The histor...
by bardenay
Sat Mar 15, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Random Walk Down Wall Street
Replies: 27
Views: 2310

Re: Question for Oenophiles!

In addition to the good advice in this thread I'll add my two points: The first is to keep an open mind about varietals. The same qualities you like in Pinot Noir may be found in a different varietal or region. For example, you may like the wines of Burgundy which are made with Pinot Noir grapes (ol...
by bardenay
Tue Mar 04, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Question for Oenophiles!
Replies: 19
Views: 1230

Re: Yikes! Took a Good Look at My WF Expenses. Portfolio He

Group hug!

Ha! Too funny.

Thanks guys for the input.

Bardenay
by bardenay
Sat Feb 08, 2014 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes! Took a Good Look at My WF Expenses. Portfolio Help
Replies: 38
Views: 4928

Re: Yikes! Took a Good Look at My WF Expenses. Portfolio He

What you should really be asking yourself is why you want to change you allocation. You picked your original one for a reason. What has changed that makes you feel the original AA isn't good enough anymore. That, more than anything, is what would concern me. Fair point, and the reason that I wanted...
by bardenay
Sat Feb 08, 2014 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes! Took a Good Look at My WF Expenses. Portfolio Help
Replies: 38
Views: 4928

Re: Closets etc for new home

My spouse worked in closet design for many, many years and has worked for a number of closet companies. There is a huge difference between closet companies. The main difference is in materials, installation methods and service. Materials Thickness of the material. Cheap companies use thinner materia...
by bardenay
Sat Feb 08, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Closets etc for new home
Replies: 17
Views: 1655

Re: Yikes! Took a Good Look at My WF Expenses. Portfolio He

First a sincere, 'thank you' for everyone's help getting me on the right path. I am very grateful for the depth of insight that I received on my financial planning. Update: I did close my WF account and move it into a Vanguard Traditional IRA. (It took awhile because the transfer was done by check ...
by bardenay
Sat Feb 08, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Yikes! Took a Good Look at My WF Expenses. Portfolio Help
Replies: 38
Views: 4928

Re: Spices for Cooking - Cost, Duration, etc.

. Does anyone sell really small jars for really affordable cost? Even though I cook very frequently, I agree that it is hard to use up all of the spices on a timely basis. What I do is to purchase most spices in the smallest containers from Penzey's Spices. In MOST cases, I can use that amount in 1...
by bardenay
Tue Oct 29, 2013 6:51 am
 
Forum: Personal Consumer Issues
Topic: Spices for Cooking - Cost, Duration, etc.
Replies: 28
Views: 2148

Re: Asking to Add Better Options to the Company 401(k)

Thanks for the feedback. This is a mid-sized company so it would be dealing with one or two people rather than a committee, so I think I have a good shot at making changes.
by bardenay
Mon May 06, 2013 8:10 am
 
Forum: Investing - Theory, News & General
Topic: Asking to Add Better Options to the Company 401(k)
Replies: 12
Views: 897

Re: Asking to Add Better Options to the Company 401(k)

I am thinking about asking for the following funds:

Vanguard Total Bond Market ETF (BND) Exp ratio 0.10%
Vanguard Total Stock Market ETF (VTI) Exp ratio 0.05%

My 401(k) has small, mid and large cap index funds as well as an S&P one.

Thoughts?
by bardenay
Thu May 02, 2013 11:01 pm
 
Forum: Investing - Theory, News & General
Topic: Asking to Add Better Options to the Company 401(k)
Replies: 12
Views: 897

Re: Asking to Add Better Options to the Company 401(k)

retiredjg wrote:Not exactly what you asked, but have you seen this?

Wiki article link: How to Campaign for a Better 401(k) Plan


I had not seen it. I will read it.
by bardenay
Wed May 01, 2013 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: Asking to Add Better Options to the Company 401(k)
Replies: 12
Views: 897

Asking to Add Better Options to the Company 401(k)

My company is doing its annual 401(k) review and I am thinking of asking for better fund options. Specifically, better bond options. Has anyone done this? And if so, what did you find to be successful? Did you ask for specific funds or general criteria (low expenses, specific class, etc.)? Thanks in...
by bardenay
Tue Apr 30, 2013 11:20 pm
 
Forum: Investing - Theory, News & General
Topic: Asking to Add Better Options to the Company 401(k)
Replies: 12
Views: 897

Re: CC autopay (debit) vs bank bill pay

When I go to the store, I walk up to the register, take out my wallet, remove the right amount of money and hand it to the cashier. What I don't do is hand my wallet to the cashier, have them remove what they think is the right amount of money and then return my wallet. The idea that a company can t...
by bardenay
Wed Apr 24, 2013 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: CC autopay (debit) vs bank bill pay
Replies: 44
Views: 2057

Re: Yikes! Took a Good Look at My WF Expenses. Portfolio He

Pingo, thanks for the detailed response. I see the point that you are making and will keep it in mind. For right now I don't want to change things until my next review/rebalance. My plan is to do that twice a year. (I really need to write down my personal Investment Policy Statement and not just hav...
by bardenay
Sat Apr 20, 2013 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Yikes! Took a Good Look at My WF Expenses. Portfolio Help
Replies: 38
Views: 4928

Re: Upgrading Cookware?

All-Clad tri-ply set is the workhorse of the kitchen along with a couple of off-brand non-stick pans that get used for egg dishes. The All-Clad is great, although I find it hard to get a good sear out of the 12" saute pan. (That might be the stove.) Non-stick pans will wear out and are used wit...
by bardenay
Wed Apr 17, 2013 6:04 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading Cookware?
Replies: 48
Views: 4075

Re: UPS for HDTV

A UPS is great, however, a properly sized sine wave UPS for your home electronics is going to be big, heavy and expensive. Plus the batteries will need to be replaced at some point in the future. What you need is clean power more than the ability run the TV during a power outage. I would recommend u...
by bardenay
Tue Apr 16, 2013 4:23 am
 
Forum: Personal Consumer Issues
Topic: UPS for HDTV
Replies: 16
Views: 1648

Re: Yikes! Took a Good Look at My WF Expenses. Portfolio He

First a sincere, 'thank you' for everyone's help getting me on the right path. I am very grateful for the depth of insight that I received on my financial planning. Update: I did close my WF account and move it into a Vanguard Traditional IRA. (It took awhile because the transfer was done by check b...
by bardenay
Sat Apr 13, 2013 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes! Took a Good Look at My WF Expenses. Portfolio Help
Replies: 38
Views: 4928

Re: Watching too many American Greed episodes...

I find America Greed fascinating too and admit that I can become a little paranoid after binge-watching several episodes. My take on American Greed is that there are two basic stories; those that start out as a deliberate scam and those that found their legitimate business becoming a scam for some r...
by bardenay
Sat Apr 13, 2013 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Watching too many American Greed episodes...
Replies: 16
Views: 2246

Re: My former financial advisor-do I have any recourse?

I would write a letter and ask for a reduction in the account closing fees. Cite the error(s) made in the past as a factor for consideration. While you may not have direct leverage in this situation, you do have justification. One of my favorite sayings is something along the lines of; "Someone...
by bardenay
Mon Mar 11, 2013 12:11 am
 
Forum: Personal Finance (Not Investing)
Topic: My former financial advisor-do I have any recourse?
Replies: 38
Views: 3304

Re: I'm 23 and moving out, should I get a credit card?

Khanmots wrote:A CC allows one to "smooth" cashflow in ways that a debit card won't.


Well put.
by bardenay
Fri Mar 08, 2013 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm 23 and moving out, should I get a credit card?
Replies: 46
Views: 2107

Re: I'm 23 and moving out, should I get a credit card?

I would get a credit card. I don't like anybody having access to my checking account. If I want to buy plane tickets, I don't want Delta or anyone else having my routing number and account number. You should pay 100% of the bill every month, I have never paid one single dime in interest. You can ge...
by bardenay
Fri Mar 08, 2013 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm 23 and moving out, should I get a credit card?
Replies: 46
Views: 2107

Re: Yikes! Took a Good Look at My WF Expenses. Portfolio He

The benefit of this portfolio is it concentrates your 401(k) balance in the lowest-expense funds, and uses your IRAs to hold asset classes that are more expensive in your 401(k) plan. This results in your portfolio having low overall expenses. Plus, you put your international allocation in an IRA w...
by bardenay
Wed Feb 27, 2013 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes! Took a Good Look at My WF Expenses. Portfolio Help
Replies: 38
Views: 4928

Re: Portfolio Question Before Making Changes

Here's an imperfect idea, but it's all I got based on what you've posted: Desired Asset allocation: 65% Stocks/35% Bonds Desired International Allocation: 10-15% Translation: 39% US Lg / 17% US Mid-Sm / 10% International (max) / 35% Bonds 401(k) (56%) (No company match) 39% John Hancock 500 Index F...
by bardenay
Wed Feb 27, 2013 1:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question Before Making Changes
Replies: 8
Views: 615

Re: Portfolio Question Before Making Changes

The only thing I saw was in the 401. One of the John Hancock funds was twice as much as the other. I doubt it's worth the extra expense. An ER of 1% is about a third of the yield from bonds these days. I would run to something less expensive even if it meant having all the bonds in the IRA. Over 20...
by bardenay
Tue Feb 26, 2013 8:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question Before Making Changes
Replies: 8
Views: 615

Portfolio Question Before Making Changes

Emergency funds: Yes, 6 months plus $1k. Debt: Car loan ~$4k, will be paid off within 6 months. Tax Filing Status: Single. Will change to Married Filing Jointly at the end of 2013. Tax Rate: 28% Top Federal, 5% State State of Residence: IL Age: 43 Desired Asset allocation: 65% Stocks/35% Bonds Desir...
by bardenay
Tue Feb 26, 2013 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question Before Making Changes
Replies: 8
Views: 615

Re: Vanguard Target Retirement Date Funds Mix

Because the competitions' funds had more aggressive AAs, and they were able to advertise higher returns than Vanguard. So Vanguard made their AAs more aggressive. That was the explanation from Vanguard at Bogleheads 11. That said, what do you care what Vanguard thinks? Define your personal AA, then...
by bardenay
Mon Feb 25, 2013 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement Date Funds Mix
Replies: 19
Views: 2358

Vanguard Target Retirement Date Funds Mix

Quick (hopefully) question about Vanguard Target Retirement Date Funds. Why is the stock/bond asset allocation different than most "rules of thumb", such as "age in bonds" or 110-age, etc.? For example following the "my age in bonds" rule for a 40y/o, I would expect the...
by bardenay
Sun Feb 24, 2013 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Target Retirement Date Funds Mix
Replies: 19
Views: 2358

Re: Yikes! Took a Good Look at My WF Expenses. Portfolio He

Random Musings wrote:Frankly, unless you are going to go all low-cost target funds in your tax deferred accounts, you should get rid of all of them.


RM, can you expand on this? What do you suggest in place of target date funds?
by bardenay
Fri Feb 22, 2013 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes! Took a Good Look at My WF Expenses. Portfolio Help
Replies: 38
Views: 4928

Re: Yikes! Took a Good Look at My WF Expenses. Portfolio He

But if the IRA is rolled over to WellsTrade/PMA one also gets a free-everything checking account at WellsFargo. It would be interesting to know if bardenay is paying anything at all for checking since WellsFargo offers absolutely free checking. I am not paying anything for checking, however, my und...
by bardenay
Fri Feb 22, 2013 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes! Took a Good Look at My WF Expenses. Portfolio Help
Replies: 38
Views: 4928

Re: Yikes! Took a Good Look at My WF Expenses. Portfolio He

I think you need to attack the 56% that you have in the 401k at 1%. You ask if there are other funds there you should consider. Look to see if you have any with considerably lower ERs and list them. There aren't many options lower than 1.00% in my 401(k). Here are the ones that are below that expen...
by bardenay
Fri Feb 22, 2013 7:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes! Took a Good Look at My WF Expenses. Portfolio Help
Replies: 38
Views: 4928

Yikes! Took a Good Look at My WF Expenses. Portfolio Help

Recently I took a good look at the expenses on my roll-over IRA that I have at WellsFargo. The expenses are high, and for extra fun, none of the funds except one outperformed their index last year. I need to close and move that IRA, but I am not sure what to move it into. Below is my portfolio. Than...
by bardenay
Fri Feb 22, 2013 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yikes! Took a Good Look at My WF Expenses. Portfolio Help
Replies: 38
Views: 4928

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