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Getting an MBA and using Professional Resume Writers

I have been going through mid-career questions and thoughts of changing career paths. This has been on my mind for a while. I work for a large company overseas as a school teacher and have been with the company for about 10 years. In all of the roles that I have been in, I have had great success and...
by coldman
Wed Jun 04, 2014 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting an MBA and using Professional Resume Writers
Replies: 2
Views: 340

Investing with a Revalued American Dollar

As I have been talking with people, many conversations have the same theme of the American dollar is going to decline in the near future when it is revalued. Is there a way to invest and protect against some of the impact this will have on a person’s portfolio? I am not interested in buy gold or sil...
by coldman
Fri Jan 10, 2014 9:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing with a Revalued American Dollar
Replies: 20
Views: 912

Opinions on Investing Magazines

I go to the library a lot to read a variety of magazines. Whenever I read magazines such as Money or Forbes most of the advice is either out of date, useless, or selling an investment of some kind. I am curious if other people share my opinion. Have you read an investment magazine and learned much? ...
by coldman
Sat Sep 28, 2013 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinions on Investing Magazines
Replies: 17
Views: 1547

Freezing credit Reports

My email was hacked last week and I changed my passwords on all accounts. I have been monitoring my credit reports. One computer had a virus and now another one malware was detected using Malwarebytes. I am feeling a little paranoid and feel like freezing all of my credit reports. I don't plan to ap...
by coldman
Thu Aug 01, 2013 2:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Freezing credit Reports
Replies: 8
Views: 586

Hacked Email Account

I found out my email account was hacked and an email was sent to all my contacts. The email provider caught this and it only went to a few people. I have changed passwords on the email account and other accounts. Should I contact the three credit reporting agencies and freeze my credit to be safe? I...
by coldman
Thu Jul 25, 2013 6:28 am
 
Forum: Personal Consumer Issues
Topic: Hacked Email Account
Replies: 17
Views: 1535

Re: Roth 401k

I work overseas for a foreign oil company. With the over seas foreign tax exclusion of $98,000 or so it makes it worth while to do the Roth 401k. My taxes will never be lower than they are now. That is why I would do the Roth IRA. The company is coming out with details and I am trying to find out as...
by coldman
Sat Jul 13, 2013 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k
Replies: 3
Views: 266

Roth 401k

I just found out that the company I work for is going to start offering a Roth 401k. They are slow with the details. I have some general Questions. Are the companies contributions taxed the same as mine before they go into the account? Can I roll the existing traditional 401k into the Roth 401k a li...
by coldman
Sat Jul 13, 2013 2:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Roth 401k
Replies: 3
Views: 266

Re: Trouble choosing a Taxable Portfolio

If I am looking at investing $110,000 in the taxable account, how would you divide that up? I already have $60,000 in the High Yield Tax Exempt Bond Fund. How much would you do into the Total Stock Market Index and how much into the International Stock Market Index? Would you use the mutual funds or...
by coldman
Fri May 17, 2013 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Trouble choosing a Taxable Portfolio
Replies: 9
Views: 696

Re: Trouble choosing a Taxable Portfolio

Generally speaking are the Total Stock Market Index Fund and Total International Stock Market Index Fund just about as tax efficient at the tax managed funds? Is it okay to use the ETF version of each fund?
by coldman
Thu May 16, 2013 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trouble choosing a Taxable Portfolio
Replies: 9
Views: 696

Trouble choosing a Taxable Portfolio

I have read a lot about tax efficient portfolios, but I am having trouble choosing the funds. I am curious is the best way to go with tax managed funds, ETFs or just use the total stock market index fund with the total international stock market index? I am 38 and all of my other tax deferred vehicl...
by coldman
Thu May 16, 2013 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Trouble choosing a Taxable Portfolio
Replies: 9
Views: 696

Preferences While Investing in Taxable Accounts

When you look at investing in taxable accounts what are your preferred Vanguard funds or ETFs? What strategies do you use? I have come to realize I need to start investing more in taxable accounts. Currently I have Berkshire stock and the Vanguard High Yield Tax Exempt Bond Fund. That is not going t...
by coldman
Fri Apr 05, 2013 4:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Preferences While Investing in Taxable Accounts
Replies: 7
Views: 799

Re: ETF fluctuations compared to Mutual Funds

My plan with the ETFs is to buy and hold. For me Vanguard is the only place I want to invest. Thank you for answering my question.
by coldman
Tue Feb 26, 2013 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF fluctuations compared to Mutual Funds
Replies: 3
Views: 217

ETF fluctuations compared to Mutual Funds

I invest at Vanguard and have started to move into ETFs instead of mutual funds. ( As an example) Why does the Total Stock Market Index ETF price fluctuate more than the Total Stock Market mutual fund price? I am in the ETFs because they have a lower maintenance fee and I can be a little more divers...
by coldman
Tue Feb 26, 2013 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF fluctuations compared to Mutual Funds
Replies: 3
Views: 217

investing in Lending Club

I had a friend invite me to invest with Lending Club http://www.lendingclub.com. After reading about it I just can't bring myself to do it for numerous reasons. I don't know how it exactly works tax wise and regular investing seems risky enough. Does anyone have recent experience or thoughts on Lend...
by coldman
Tue Feb 26, 2013 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing in Lending Club
Replies: 1
Views: 352

Books to read

I am looking at different books to read. Is the Aftershock Investor a good one? Please share other easy to read titles.
by coldman
Fri Dec 28, 2012 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Books to read
Replies: 3
Views: 411

High Yield Tax Exmpt Bond Fund & Indvidual Bonds

I have a big chunk of money sitting in the Vanguard High Yield Tax Exempt Bond Fund. I continue to hear how the bonds are going to go do and I am concerned. When I look at the fun it continues to make money. My question is should I get out of the fund or just leave the money their knowing that I won...
by coldman
Sun Dec 23, 2012 8:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: High Yield Tax Exmpt Bond Fund & Indvidual Bonds
Replies: 4
Views: 561

Talking about investing and Money with friends and family

Just curious do your friends talk openly about their investments, money management, and financial situations with you or are they private about it? Are most of your friends similar to you and your views on managing money and investing?
by coldman
Wed Nov 07, 2012 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talking about investing and Money with friends and family
Replies: 18
Views: 1257

Re: Opinion on Vanguard's Financial Engines Investment Softw

That is my thought. I am toying with the idea of mostly using the 2045 Target Fund as my main funds and use a couple of others as well.
by coldman
Sat Oct 27, 2012 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard's Financial Engines Investment Software
Replies: 5
Views: 574

Re: Paying off a rental house

My problem is I have too many plans. Vanguard offered me another free financial planning consultation. I should probably take them up on the offer. I would like to find a the best tax efficient portfolio that will also have a reasonable return. Please share your suggestions. Other than the mortgage ...
by coldman
Sat Oct 27, 2012 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paying off a rental house
Replies: 10
Views: 662

Re: Paying off a rental house

Would something like the High yield Tax Exempt be an okay fund to buy into?
by coldman
Sat Oct 27, 2012 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying off a rental house
Replies: 10
Views: 662

Re: Paying off a rental house

The rate is 5.85%.
by coldman
Sat Oct 27, 2012 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying off a rental house
Replies: 10
Views: 662

Opinion on Vanguard's Financial Engines Investment Software

Through my 401K I have access to the Financial Engines investment software. It looks at your investments and makes suggestions on how to improve your investments. Just curious what people think of the software program and if you would ever act on the advice that it gives. To me the information seems...
by coldman
Sat Oct 27, 2012 10:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Opinion on Vanguard's Financial Engines Investment Software
Replies: 5
Views: 574

Paying off a rental house

As people have a wide variety of opinions on here they always give food for thought. I have a rental house with about $92,000 left on the mortgage. The rent more than covers the mortgage. One person suggested since I have the money I should consider paying it off. I do get a tax right off on the ren...
by coldman
Sat Oct 27, 2012 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Paying off a rental house
Replies: 10
Views: 662

Taxable account investing over the long haul

If you are investing over the long haul say 20 years, what is the best way to invest? Yes, this is a very general question. If all other things are taken care of how would you invest in a taxable account. My thought is to buy index funds every 4 months or so and try to keep things simple. I am not s...
by coldman
Fri Oct 26, 2012 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable account investing over the long haul
Replies: 3
Views: 450

Re: Investing in Taxable Accounts and Keeping Up on Taxes

I have two rentals that the rent covers both of the mortagages and no other debt. I have maxed out my 401k and the Roth IRAs for my wife and myself. I have a 6 month emergency fund and this seems like the last thing to do.
by coldman
Wed Oct 24, 2012 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Taxable Accounts and Keeping Up on Taxes
Replies: 17
Views: 1699

Investing in Taxable Accounts and Keeping Up on Taxes

I am looking to start investing in a taxable account? Does it makes sense to do a target retirement fund, tax managed funds or just choose regular index funds? I am looking at going with a simple approach and want to keep my taxes simple. My other questions is what is the best way to keep things sim...
by coldman
Wed Oct 24, 2012 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Taxable Accounts and Keeping Up on Taxes
Replies: 17
Views: 1699

Re: ETFs in ROTH IRA Accounts

The Vanguard FTSE All-World ex-US Small-Cap Index Fund does not have Admiral shares. My thought is to go with the ETF at 0.28 instead of the investor shares at 0.50. I am working my way down from 20 funds to around 7 or so in both the 401K and Roth IRA. I am kind of trying to replicate the Yale U's ...
by coldman
Thu Oct 18, 2012 5:52 am
 
Forum: Investing - Help with Personal Investments
Topic: ETFs in ROTH IRA Accounts
Replies: 5
Views: 935

ETFs in ROTH IRA Accounts

I am restructuring my ROTH account. Some of the mutual funds have high fees and I am think of going with the ETF version in my ROTH IRA. How do ETFs work in a Roth account? I read that dividends are not automatically reinvested. So what will have to the dividends? All of my funds are at Vanguard. Fo...
by coldman
Thu Oct 18, 2012 3:19 am
 
Forum: Investing - Help with Personal Investments
Topic: ETFs in ROTH IRA Accounts
Replies: 5
Views: 935

Looking for another good investment book

I have read Common Sense on Mutual Funds. Please suggest any good books that are written in plain English you think a person would benefit from. I have been looking at asset allocation and exploring some of these Lazy Man Portfolios link http://www.marketwatch.com/lazyportfolio . Thank you for your ...
by coldman
Fri Oct 05, 2012 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Looking for another good investment book
Replies: 9
Views: 1001

Simplfying a Portfolio

I am trying to simplify my investments across the board. I used Financial Engines to get some advice and I still think things are too complicated. My thought for my 401 K is to invest in the 2035 Target Retirement that consists of: Vanguard Total Stock Market Index Fund Investor Shares 60.6% Vanguar...
by coldman
Wed Sep 26, 2012 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simplfying a Portfolio
Replies: 3
Views: 329

Helping Parents with making good investments and taxes

My parents are both retired and are looking at simplifying their investments. Their question is should they take money out of one of their taxable mutual funds to pay off the home equity loan (mortgage on a rental house) they own. The home equity loan is at 3.3 % and they owe about $70,000. My paren...
by coldman
Mon Jul 16, 2012 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping Parents with making good investments and taxes
Replies: 2
Views: 339

Re: Aggressive Bogleheads Portfolio

For me 10%.
by coldman
Fri Jun 29, 2012 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Aggressive Bogleheads Portfolio
Replies: 51
Views: 4069

Buy and Hold Portfolios

There is an investment company my father uses and they tell you the allocation they think you should have if you used funds other than their companies. These are suggested for a buy and hold. I have listed the portfolios they suggest from each investment company and the allocation percentages. Do al...
by coldman
Fri Jun 29, 2012 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Buy and Hold Portfolios
Replies: 7
Views: 929

Re: Argressive Bogleheads Portfolio

What do you think of a portfolio such as this? Looking for a long term hold. My idea of aggressive is not to gamble, but take a little bit of a chance. Equity % 12.5 500 Index 12.5 Value Index 12.5 Small Cap Index 12.5 Small Cap Value Index 20.0 Developed Markets Index 20.0 International Value 10.0 ...
by coldman
Fri Jun 29, 2012 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Aggressive Bogleheads Portfolio
Replies: 51
Views: 4069

Aggressive Bogleheads Portfolio

I have a lot of time on my side before I retire. What would an aggressive Bogleheads portfolio look like? Using relatively priced ETFs what you portfolio would you use? What relatively priced mutual funds would you use? Try to limit the number funds or ETFs to 6 or less. Please give both EFTs and mu...
by coldman
Fri Jun 29, 2012 8:56 am
 
Forum: Investing - Theory, News & General
Topic: Aggressive Bogleheads Portfolio
Replies: 51
Views: 4069

Re: Investing financially and investing in life

Wow that is a good article and my wife will need to read it. Thank you.
by coldman
Sun Apr 22, 2012 4:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing financially and investing in life
Replies: 5
Views: 505

Re: Investing financially and investing in life

I like what you said and I was curious if other people have reflected on things as I have.
by coldman
Sun Apr 22, 2012 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing financially and investing in life
Replies: 5
Views: 505

Investing financially and investing in life

As I age and worry about investing financially other areas need to be invested in as well. My thought is investing in life and relationships. At times I get stuck on financial matters and forget to invest in relationships. I have been on single parent duty for the past month as my wife has been out ...
by coldman
Sun Apr 22, 2012 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing financially and investing in life
Replies: 5
Views: 505

Re: Suggestions for investing in and being diversified in a

401K Funds Short Term Income fund. 0.18% Vanguard Capital Opportunity Fund Investor Shares 18.12% Vanguard Explorer Fund Investor Shares 14.22% Vanguard Extended Market Index Fund Signal Shares 12.95% Vanguard International Growth Fund Investor Shares 14.95% Vanguard Target Retirement 2045 Fund 7.07...
by coldman
Sat Mar 24, 2012 6:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for investing in and being diversified in a ROTH
Replies: 5
Views: 527

Questions about funds for a Roth IRA

Do many people use index funds in Roth IRAs? Is that a good or bad idea and why? What are the best types of funds to hold in a Roth? Is it better to go with funds that have averaged around 9% long term rather than 12 % or so from a 20 year history? For the average investor would you say Vanguard has...
by coldman
Fri Mar 23, 2012 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Questions about funds for a Roth IRA
Replies: 1
Views: 189

Suggestions for investing in and being diversified in a ROTH

In my Roth IRA I hold each of these funds with a little more than $5000.00 in each. As I still need to contribute to my Roth for 2011 what other funds would you suggest I look at purchasing? Would you suggest looking at any other fund companies other than Vanguard? I have a 401K through Vanguard as ...
by coldman
Fri Mar 23, 2012 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions for investing in and being diversified in a ROTH
Replies: 5
Views: 527

working overseas and investing

I live and work overseas, but have taxable income in the United States. I want to buy an ETF through Vanguard. I need to open a brokerage account in the Roth to do it. They say because I reside overseas I can not open a brokerage account. Does the phone representative know what he is talking about o...
by coldman
Thu Mar 22, 2012 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: working overseas and investing
Replies: 2
Views: 215

Do you invest with more than one mutual fund company?

The more I have looked into investing with other mutual fund companies the better Vanguard turns out to be all the time. The expenses from almost every other company kill your profits. Do you invest with more than one mutual fund company? Do you only buy investment products through Vanguard? I think...
by coldman
Thu Mar 22, 2012 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you invest with more than one mutual fund company?
Replies: 19
Views: 1247

Re: Mutual Fund Fees

I just found a tool on the Vanguard site that compares the expenses between two funds. Boy it is amazing about the difference in the fees and how much money they can take away from a person. Thank you for you sharing some of your wisdom with me. I think I will stick with the Vanguard funds.
by coldman
Thu Mar 22, 2012 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Fees
Replies: 9
Views: 383

Mutual Fund Fees

I am looking at purchasing a couple of different mutual funds. I have heard anything 1% and lower for the maintenance fee is good. My problem is I still have trouble considering that to be a reasonable fee. When looking at the Vanguard funds it is hard to want to buy any other funds. Do you consider...
by coldman
Thu Mar 22, 2012 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Fees
Replies: 9
Views: 383

Re: Chemicals Mutual Fund for Roth IRA Investing, Ur thought

My thought is to try some different areas as I am young and have the time on my side. My wife and I are both investing in Roth IRAs.
by coldman
Wed Mar 21, 2012 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chemicals Mutual Fund for Roth IRA Investing, Ur thoughts?
Replies: 4
Views: 273

Chemicals Mutual Fund for Roth IRA Investing, Ur thoughts?

The Roth is where I experiment a little with investments as taxes are nothing to worry about. I am looking at investing about $5000 in Fidelity Select Chemicals Portfolio (FSCHX) with an expense of 0.90% and an average of 14.12% since the inception on 07/29/1985. The returns look good over the long ...
by coldman
Wed Mar 21, 2012 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chemicals Mutual Fund for Roth IRA Investing, Ur thoughts?
Replies: 4
Views: 273

Re: Backdoor Roth Contribution in Vanguard

Why should a person not have Vanguard with hold the taxes?
by coldman
Thu Mar 15, 2012 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Contribution in Vanguard
Replies: 9
Views: 1595

Where to invest emergency funds

I feel good about all of my other other investment areas. My question is basically where to put my emergency fund. I have about $30,000 in the bank and $100,000 sitting at vanguard as my emergency stash. I am a conservative investor for the most part, but my thought is to put it all into the vanguar...
by coldman
Thu Mar 08, 2012 7:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to invest emergency funds
Replies: 9
Views: 1490

Re: Suggestions Requested for Fixed Income in Taxable

Consider the Vanguard High Yield Tax Exempt fun.
by coldman
Fri Feb 24, 2012 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggestions Requested for Fixed Income in Taxable
Replies: 8
Views: 553
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