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Re: WSJ: a new proposal on student debt

Interesting, but I think it's going to get locked, due to the political nature of the piece.
by camaro327
Sat May 18, 2013 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: WSJ: a new proposal on student debt
Replies: 2
Views: 522

Re: Timing buying a (future) classic Muscle car-Mustang BOSS

Due to depreciation, I would only buy a Mustang if I lived in a location where I could drive it year round.

Having said that, it's a personal decision and if you want to do this as a "one time thing" and have the means to buy the Boss, go for it.
by camaro327
Thu May 16, 2013 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Timing buying a (future) classic Muscle car-Mustang BOSS 302
Replies: 23
Views: 1117

Re: total world fund or total stock market and total interna

I gave up on total world due to the inflexibility of the allocation. I needed to be able to allocate more to int'l in my ira, since it isn't available through work and I do have an adequate US large cap index fund in my 401k.
by camaro327
Wed May 15, 2013 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: total world fund or total stock market and total internation
Replies: 6
Views: 556

Re: 401K no index funds?

These fees are not much higher than Fidelity's fees. I would definitely get the match. Beyond that I would look at the Bogleheads wiki on traditional versus roth. Which should give you guidance based on your marginal tax rate, eligibility for a traditional ira, etc. Also, try to find out what other ...
by camaro327
Sun May 12, 2013 6:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K no index funds?
Replies: 27
Views: 1496

Re: How much to invest in 401k

Up your percentage until it feels right. You'll know when your eating out and only the value menu items will do. Also, wear your clothes until when you turn the wrong way they rip (you'll know its time to get new). When baling wire no longer keeps the muffler on your car. I could go on, but all thes...
by camaro327
Tue May 07, 2013 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: How much to invest in 401k
Replies: 27
Views: 1671

Re: My Take on Gold

The price has already tripled and there hasn't been inflation or US dollar risk. Yet people are making the same argument about owning gold at $1400 per ounce they did at $500 per ounce. "Gold protects my portfolio." I don't hear much about the fact that the GLD started trading November 18...
by camaro327
Sun May 05, 2013 6:36 am
 
Forum: Investing - Theory, News & General
Topic: My Take on Gold
Replies: 137
Views: 7599

Re: What home gym equipment do you have?

New Balance 846.
by camaro327
Wed May 01, 2013 12:25 pm
 
Forum: Personal Consumer Issues
Topic: What home gym equipment do you have?
Replies: 63
Views: 3351

Re: Bank mailed me letter, $5 fee starts in June

I'm with the low bar theory on this one. $5 is small potatos, considering you can only earn 1% annually or $3 on that amount anyway. Its basically costing you $3 to have the convience of a checking accounting for 1 year.
by camaro327
Tue Apr 30, 2013 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank mailed me letter, $5 fee starts in June
Replies: 122
Views: 6170

Re: Where to Invest HSA (live in CA)?

I would include this in your fixed income allocation by using a tips fund or treasury securities. These would avoid the annual tax on income generated by the HSA account. HSA administrators have Vanguard funds, but not the tips fund. HSA bank has a TD Ameritrade brokerage option, where you could buy...
by camaro327
Sun Apr 28, 2013 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to Invest HSA (live in CA)?
Replies: 2
Views: 232

Re: I Bonds v. EE Bonds

I-bonds, if you needs the money before 20 years. The EE bonds are only good if you have the time to wait until the value doubles in 20 years.

Remember on the i-bonds you will still need to wait a year before you can redeem them.
by camaro327
Mon Apr 22, 2013 9:50 am
 
Forum: Investing - Help with Personal Investments
Topic: I Bonds v. EE Bonds
Replies: 21
Views: 1345

Re: Financing a classic vehicle?

I sure hope if you're posting here that your "classic" is a mint condition Honda Civic or Toytoa Corolla from the 70s. :)
by camaro327
Sat Apr 20, 2013 11:01 am
 
Forum: Personal Consumer Issues
Topic: Financing a classic vehicle?
Replies: 13
Views: 830

Re: How to Invest a Cash Lump Sum?

I would go with the following method:

1. 8 or 9 shots of your favorite 80 proof beverage and lump sum half. :beer

2. DCA the remainder over a time period your comfortable with.
by camaro327
Tue Apr 16, 2013 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to Invest a Cash Lump Sum?
Replies: 13
Views: 1319

Re: A nice talk about gold in ones portfolio

Well at today's price its only average a 15% return annually over the last 10 or 11 years. Hardly blood in the streets.

It would have to fall much further to be truly bloody. May be if it resembles the 73-74 stock market bear it would look that way.
by camaro327
Mon Apr 15, 2013 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: A nice talk about gold in ones portfolio
Replies: 103
Views: 5829

Re: Max Out New Roth IRA or Pay Off Loan with 7.25% Interest

1. Is it smarter to open and max out a Roth IRA my first year or to aggressively pay down a loan of $13,000 with an interest rate of %7.25? How much does a Roth need to be growing to make filling it preferable to paying down this loan more aggressively? 8 percent? If you can earn >7.25% on your Roth...
by camaro327
Wed Apr 10, 2013 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Max Out New Roth IRA or Pay Off Loan with 7.25% Interest
Replies: 22
Views: 1722

Re: EE bonds - new rates?

EE bonds from the very early 90s did even better by doubling in 12 years. I think some of the 80s doubled even quicker, but I'm to lazy too look up the exact doubling period. :)
by camaro327
Tue Apr 02, 2013 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE bonds - new rates?
Replies: 8
Views: 1181

Re: EE bonds - new rates?

I would be more concerned about the doubling period being increased. If you’re interested, I would buy now in case the doubling period would be increased. I would much rather have 20 yrs vs 22, 25, or whatever they might increase it to.
by camaro327
Tue Apr 02, 2013 6:33 am
 
Forum: Investing - Help with Personal Investments
Topic: EE bonds - new rates?
Replies: 8
Views: 1181

Re: Vanguard Stable Value Fund fee increase!

I have one with Fidelity and its expense ratio rose by about 20 basis points. As dickenjb pointed out the yield is what is important.
by camaro327
Thu Mar 28, 2013 8:12 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Stable Value Fund fee increase!
Replies: 20
Views: 1967

Re: Best ways to invest 401k loans?

[/quote]Would you have otherwise invested in equities in the 401k? What benefit did you get for taking the money out instead of leaving it in the 401k?[/quote] That was my thought. Wouldn't it be a wash regardless if it was equities inside or outside the 401k? Taxes had to be paid to pay the loan ba...
by camaro327
Tue Mar 26, 2013 8:04 am
 
Forum: Investing - Theory, News & General
Topic: Best ways to invest 401k loans?
Replies: 28
Views: 1554

Re: Another Emergency Fund Question, I-bond or short term bo

Unless next month's inflation number is below zero, the next rate would be at least 0.66%. So for the year you would be getting at least 1.21% risk free.
by camaro327
Wed Mar 20, 2013 8:03 am
 
Forum: Investing - Theory, News & General
Topic: Another Emergency Fund Question, I-bond or short term bond
Replies: 9
Views: 942

Re: I-Bonds and the Treasury Savings Bond Wizard ?

Do you know of any means to determine if other 'older' EE issues, (I mean issued after 1983, say 1984, 1985, 1986, etc.) would not have that 4% interest rate? I am wondering if using 4% is a safe assumption for those bonds issued after 1983? Your can try the savings bond calculator on the Treasury ...
by camaro327
Sun Mar 17, 2013 7:27 am
 
Forum: Investing - Theory, News & General
Topic: I-Bonds and the Treasury Savings Bond Wizard ?
Replies: 85
Views: 13593

Re: 401k vs Roth 401k tax question

You're only taxed once. Your income is still reported as 50K on your W-2, however the money for taxes has already been withheld from your pay.
by camaro327
Fri Mar 15, 2013 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k vs Roth 401k tax question
Replies: 4
Views: 269

Re: Hey, I Bonds might not be a total disaster after CPI-U t

robjer wrote:Anybody think the fixed will climb off Zero for May I bonds? Maybe to .02?


No, even if they only offer 0.66% that beats the heck out of the vast majority of savings account rates. Plus the index to inflation guarantee is better than what a typical savings account can offer.
by camaro327
Fri Mar 15, 2013 12:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hey, I Bonds might not be a total disaster after CPI-U today
Replies: 18
Views: 2191

Re: Where does GLD, SLV or any other commodities fit...

I think the decision to add these is up to the individual investor. I can see where several people feel they don't belong. However, if you pick an allocation let's say 15% for example and make it part of your IPS, that may work. You just have to remember to rebalance as you would with your other inv...
by camaro327
Thu Mar 14, 2013 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Where does GLD, SLV or any other commodities fit...
Replies: 34
Views: 1101

Re: Another 401k vs Roth IRA Question

rickmerrill wrote:Sounds good to me, pile away!


I think it's a near no-brainer to pile away in tax-deferred with your 25% federal bracket and the high California state tax rates.
by camaro327
Wed Mar 13, 2013 8:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Another 401k vs Roth IRA Question
Replies: 12
Views: 656

Re: IBond question - Confusion

The fixed component has been zero since Nov. 2010. If you sell a bond with a zero fixed component, and buy a new bond with a zero fixed component, then you will basically be in the same place. I don't agree with this. :annoyed You're restarting the one year blackout period (can't cash it in) when y...
by camaro327
Tue Mar 12, 2013 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: IBond question - Confusion
Replies: 13
Views: 959

Re: Tax Deferred/Roth Accounts and the Foreign Tax Credit

grabiner, Thanks for your detailed example. I plan on going over the math when I have some time. This is just one item I haven't been able to get a handle on.
by camaro327
Tue Mar 12, 2013 8:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Deferred/Roth Accounts and the Foreign Tax Credit
Replies: 8
Views: 410

Re: Tax Deferred/Roth Accounts and the Foreign Tax Credit

Thanks for the replies. I wish I had access to those TSP expense ratios, but at least I'm working on getting to Admiral shares for a few of my funds.
by camaro327
Mon Mar 11, 2013 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Deferred/Roth Accounts and the Foreign Tax Credit
Replies: 8
Views: 410

Tax Deferred/Roth Accounts and the Foreign Tax Credit

Is there any reason that you should hold your international stock funds outside of your tax preference account space if you have enough room for them in your tax preference accounts? Is there any reason to hold in taxable, just to get the foreign tax credit? Also, how much on 10,000 is the foreign t...
by camaro327
Mon Mar 11, 2013 10:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Deferred/Roth Accounts and the Foreign Tax Credit
Replies: 8
Views: 410

Re: $40k - invest now or wait?

Lump sum beats DCA 66% of the time. But doing 50% lump sum and the remaining 50% over 6 to 12 months is a pretty good compromise.
by camaro327
Fri Mar 08, 2013 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: $40k - invest now or wait?
Replies: 10
Views: 960

Re: Buy more I-bonds?

Browser wrote:If you can tell me where there is an FDIC insured savings account yielding anything close to 1% that's what I'd do too. More like 1/4% now.


There are a few here.

http://www.depositaccounts.com/savings/
by camaro327
Thu Mar 07, 2013 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy more I-bonds?
Replies: 13
Views: 1602

Re: Buy more I-bonds?

Based on the information given I would not be buying additional i-bonds. The CD at 2.4% is doing better than a new i-bond is likely to do until it matures and the older i-bonds may have fixed rates. Also the older i-bonds would be closer to not incurring the 3 month penalty if cashed before 5 yrs. I...
by camaro327
Thu Mar 07, 2013 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy more I-bonds?
Replies: 13
Views: 1602

Re: Poll - will you buy Vanguard's new international bond fu

abuss368 wrote:No interest or need for them.

See David Swensen's advice int he great book Unconvetional Success.


I think I read this book awhile ago. I may ponder a purchase of int'l bond, but probably stick with the equities for int'l.
by camaro327
Wed Mar 06, 2013 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: Poll - will you buy Vanguard's new international bond funds?
Replies: 33
Views: 2622

Re: Stacked up some more silver bullion today

WHL wrote:20 oz @ $29 / oz. Anyone else buy on this dip?


Sounds to me like market timing. It would only make sense to buy the dip if you had a target allocation to silver and you're IPS called for you to rebalance due to the dip.
by camaro327
Sat Mar 02, 2013 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 37
Views: 4685

Re: roth 401k

What he said. You're in California and in a high income tax bracket, since you're doing your ira with the back-door method.
by camaro327
Sat Mar 02, 2013 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: roth 401k
Replies: 5
Views: 468

Re: EE Bonds as part of a retirement strategy?

Well, Vanguard just released its latest analysis on the bond market and expects 1 to 2% returns over the next decade. I think that makes a good argument for anyone interested in EE bonds and it fits their time horizon.
by camaro327
Fri Mar 01, 2013 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE Bonds as part of a retirement strategy?
Replies: 38
Views: 3078

Re: Timing on Initial Investment

I tend toward doing DCA if the potential of a 50% loss would make you lose sleep.

You could also do 1/2 lump sum and 1/2 DCA over a selected number of months.
by camaro327
Thu Feb 28, 2013 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Timing on Initial Investment
Replies: 15
Views: 707

Re: Never Want To Take Out A Loan Again.

Decide what recreational activity you like better and then sell either the ATV or the boat. Invest the proceeds (if any after paying off the loan) and use towards the next car.
by camaro327
Wed Feb 27, 2013 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Never Want To Take Out A Loan Again.
Replies: 110
Views: 7048

Re: I'm new to the penny market, where to start?

I think this post would be best for some type of gambling forum. :confused

Best to use mutual funds and a proper allocation. Hopefully you will see the light.
by camaro327
Mon Feb 25, 2013 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: I'm new to the penny market, where to start?
Replies: 52
Views: 3872

Re: So what will people do? [if bond bubble bursts]

I would buy more bonds, because I would probably need to get my allocation back to my target.
by camaro327
Sun Feb 24, 2013 9:40 am
 
Forum: Investing - Theory, News & General
Topic: So what will people do? [if bond bubble bursts]
Replies: 66
Views: 4946

Re: I dont understand how Ibonds are a good investment

In five years, however, nominal rate of new Ibonds goes up, but I am stuck holding the old low rate bonds with a fixed return for 30 years. There's no guarantee that the fixed rate will ever go up or at least go up enough to make the 0% fixed rate bonds look bad in comparison. Obviously if interest...
by camaro327
Sun Feb 24, 2013 6:21 am
 
Forum: Investing - Theory, News & General
Topic: I dont understand how Ibonds are a good investment
Replies: 29
Views: 4307

Re: First EE Bond Purchase

I think a lot of bogleheads posters are overly critical of the role of EE bonds. I agree with this. I still like i-bonds better for their inflation and deflation protection. They help by adding inflation-protection to short-term savings with potential as a longer (5+ yrs) term investment. The EE bo...
by camaro327
Fri Feb 22, 2013 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: First EE Bond Purchase
Replies: 20
Views: 994

Re: Is the Gold Rally Over

Maybe we are beginning the "lost decade" for gold.
by camaro327
Wed Feb 20, 2013 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Is the Gold Rally Over
Replies: 160
Views: 6824

Re: Didn't contribute 401K to the max - can I fix it?

The only way to fix it now, it to make sure you do not make the same mistake again for 2013..... Yes, this method will work best. 401K contributions have to be done in the CY the money going in is earned. If you have IRA space from 2012, I would make sure to max that by April 15th. You also may be ...
by camaro327
Tue Feb 19, 2013 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Didn't contribute 401K to the max - can I fix it?
Replies: 11
Views: 840

Re: Vanguard Roth IRA Monthly Automatic Contributions

I have a separate 12 month emergency fund in a savings account. These contributions will be coming out of our monthly budget surplus. I've never taken a contribution out of my Roth in 5 years (even when closing on my home). I never intend to, just like the idea of Roth vs 401k at this point in our ...
by camaro327
Mon Feb 18, 2013 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA Monthly Automatic Contributions
Replies: 14
Views: 1114

Re: Vanguard Roth IRA Monthly Automatic Contributions

Just a brief observation. I would work on a separate emergency fund with low risk, low return investments (ST CDs, MMA (FDIC insured), etc. Everything you're investing in now has a risk of decline, including the total bond index (since rates are at historical lows). I would not want to be in a posit...
by camaro327
Mon Feb 18, 2013 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA Monthly Automatic Contributions
Replies: 14
Views: 1114

Re: Average 401k balance$

jdilla1107 wrote:These stats are silly. People roll over their balances. My 401k balance at fidelity is 18k. My net worth is seven figures.


Yep. Its garbage in and garbage out. No way to account for IRAs, annuities, etc.
by camaro327
Thu Feb 14, 2013 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: Average 401k balance$
Replies: 25
Views: 3427

Re: Lexus RX 300. Timing belt. $884.

Back in '06 or '07 I had the timing belt changed for a '94 Acura Integra. Close to $400. A couple days later I heard a weird sound on my way home after work. After hearing the weird sound for 2 miles the car lost power. The new timing belt snapped. Fortunately the shop was honest and said they made ...
by camaro327
Wed Feb 13, 2013 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Lexus RX 300. Timing belt. $884.
Replies: 42
Views: 3048

Re: New car: I'm about to replace my 2003 Accord V6.

Gee, I would like a 200 mph, gets 40 mpg, and sits five people comfortably, but it doesn't exist. In all seriousness, your specs pretty much rule out all but V6 as others have noted. The only other thing is to make some test drives on the 4 cylinders. It's both the combination of engine and the qual...
by camaro327
Wed Feb 13, 2013 9:04 am
 
Forum: Personal Consumer Issues
Topic: New car: I'm about to replace my 2003 Accord V6.
Replies: 66
Views: 7698

Re: The perfect Boglehead car

Curious why depreciation shouldn't matter if you're driving it into the ground. Assuming you buy a used car, you may have to replace it a few years earlier than if you had bought a brand-new one assuming roughly equal life (from brand new to full dead) but you're skipping over those years of max de...
by camaro327
Mon Feb 11, 2013 9:05 am
 
Forum: Personal Consumer Issues
Topic: The perfect Boglehead car
Replies: 92
Views: 7279

Re: Building an HSA account

I say the latter. I for one will not accumulate old receipts. I'm planning to make a clean break every year and self-reimburse eligible expenses shortly after the end of the year. Last year I had $300 worth of expenses on 13 receipts. I'm not going to carry these 13 receipts for 20 years only for t...
by camaro327
Sun Feb 10, 2013 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Building an HSA account
Replies: 12
Views: 807
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