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If you were retired, how would you spend your time?

Assume that you had enough money to retire today, pay all of your bills, and have extra money for enjoying life for the rest of your days (with high confidence), what would you do with your time? You are not rich, just reasonably well off and not worried about running out of $$ (upper middle class)....
by db55
Mon Nov 11, 2013 3:29 am
 
Forum: Personal Consumer Issues
Topic: If you were retired, how would you spend your time?
Replies: 90
Views: 7519

Re: weigh in Bogleheads - new car or used?

I always buy used - it's a better deal. 3-4 years old and low mileage (less than 25,000). This will give the best value for the dollar.
by db55
Thu Oct 03, 2013 3:44 pm
 
Forum: Personal Consumer Issues
Topic: weigh in Bogleheads - new car or used?
Replies: 19
Views: 1373

Re: investing/diversifying

#4 is a terrible option. Vanguard targeted retirement funds are great if you want to be totally hands-off. I'm not that hands-off. Personally, at your young age, I would figure out how much I need to safely keep in cash, and put that amount into a savings account and into Ally 5-year CDs (only a 2 m...
by db55
Mon Sep 16, 2013 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing/diversifying
Replies: 10
Views: 833

Re: investing/diversifying

#4 is a terrible option. Vanguard targeted retirement funds are great if you want to be totally hands-off. I'm not that hands-off. Personally, at your young age, I would figure out how much I need to safely keep in cash, and put that amount into a savings account and into Ally 5-year CDs (only a 2 m...
by db55
Mon Sep 16, 2013 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: investing/diversifying
Replies: 10
Views: 833

Re: Got fired earlier this week, now the boss wants me back

The only thing that has changed is that your boss has a short-term hole to fill and you are available. He is going to try to replace you again since he already did this once. Regardless of whether you come back at this time, I'd start looking for another position immediately. He has proven that he h...
by db55
Mon Sep 16, 2013 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got fired earlier this week, now the boss wants me back
Replies: 123
Views: 11309

Re: GE Capital Bank Online Savings

I opened an account ~ 2 months ago - .90%. They seem fine - and pay slightly higher. I'm using this for my free cash and keeping very little in my money market account.
by db55
Wed Aug 21, 2013 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: GE Capital Bank Online Savings
Replies: 12
Views: 2601

Re: Which Fund for Vanguard Roth IRA?

I would go 100% into Vanguard Total Stock Market Fund. This low-cost index fund includes all S&P500 stocks as well as mid-cap and small-cap. At your young age and long time horizon, I don't see any reason why you should have any bonds in your portfolio, especially given that bonds are historical...
by db55
Wed Aug 21, 2013 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Fund for Vanguard Roth IRA?
Replies: 12
Views: 2383

Re: Individual stock

I think most Bogleheads would advise not to buy any individual stocks - you are taking uncompensated risk. Instead, buy only low-cost, broadly-diversified index funds. By buying an individual stock, you are betting that you know more than the thousands of professional investors that set the price fo...
by db55
Fri Jul 19, 2013 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: Individual stock
Replies: 22
Views: 1858

AmericaNet, Everbank Money Market Accounts

Hi, I'm looking for the best place to stash some cash that could be immediately available without a withdrawal penalty. I went to depositaccounts.com and found the following: For the highest interest Money Market accounts, they list the following: AmericaNet Bank, Evantage Bank, and Redneck Bank all...
by db55
Mon Jul 01, 2013 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: AmericaNet, Everbank Money Market Accounts
Replies: 2
Views: 498

Best Bank 5-year CD with low withdrawal penalty

Hi, I'm considering moving some money from my Vanguard CA Intermediate Bond fund to a 5-year CD with a low withdrawal penalty in order to protect against rising rates. I'm already maxed out at Ally Bank, so I'd like to request advice and which other banks offer the best combination of high 5-year ra...
by db55
Thu May 23, 2013 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best Bank 5-year CD with low withdrawal penalty
Replies: 5
Views: 904

Re: Most underrated band of all time [that you listen to]?

Underrated? Both Rush and The Who are extremely famous, have huge fan bases, and are regarded as two of the greatest rock bands. Rush fills auditoriums wherever they play; I've been there, I'm sure you have too. The Who did the same and sold multi-millions. Boston- a pretty good pop band that did on...
by db55
Wed Nov 07, 2012 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Most underrated band of all time [that you listen to]?
Replies: 342
Views: 13709

Read some good investing books

I strongly recommend that you educate yourself on investing and read some good investment books. Any of the following would be a good start: Common Sense on Mutual Funds - Bogle The Four Pillars of Investing - Bernstein The Bogleheads Guide To Investing - Larimore, et al The Only Guide to a Winning ...
by db55
Mon Apr 25, 2011 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor Here: What Should I do with my leftover money?
Replies: 19
Views: 1989

Bonds vs CD allocation

I have a significant chunk of cash in my money market fund that I need to invest and that I want to apply to the non-equity part of my portfolio, ie either bonds or a bank CD. I already have a large equity stake. Also, my tax rate is high and I live in Califonia (my total marginal tax rate is ~42.3%...
by db55
Sat Apr 23, 2011 7:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds vs CD allocation
Replies: 0
Views: 382

Re: Need advice on Emerging Markets investment

I have significant unrealized gains in my international funds (I've held them for ~15 years), and they are in taxable accounts, so it's not a good option for me to sell them and move to VGTSX in order to gain emerging markets exposure. I would have to pay large cap gains.
by db55
Sun Jul 11, 2010 1:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on Emerging Markets investment
Replies: 6
Views: 1578

Need advice on Emerging Markets investment

Hi, I'd like to ask your advice regarding investing in emerging markets. I currently have ~25% of my stock portfolio invested in international stocks, but only 2.1% of my portfolio is in emerging markets. Most of my investments and in large cap mutual funds that invest primarily in developed countri...
by db55
Fri Jul 09, 2010 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on Emerging Markets investment
Replies: 6
Views: 1578

I've had HAINX for over 15 years and it has been one of my very best funds. It's not as tax efficient as VG Tax Managed Intl but management has been exceptional and expenses are relatively low compared to other managed funds. I have no plans to sell.
by db55
Sun May 02, 2010 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Harbor International versus VG Tax Managed International
Replies: 10
Views: 1795

Rainbow in 1976 at the Burbank Starlight Amphitheater.

and

Ozzy in 1980 at the Santa Cruz Civic auditorium (holds about 2000) when he first went solo with Randy Rhodes on guitar.
by db55
Sun May 02, 2010 6:33 pm
 
Forum: Personal Consumer Issues
Topic: What is the best concert you ever witnessed?
Replies: 101
Views: 9248

Two options: 1. As soon as you pass 100K, you can call Vanguard and they will transfer the funds immediately to the Admiral class of the same fund. 2. Or if you do nothing, Vanguard will do the transfer to Admiral class for you within a certain period of time (probably within the quarter, but I'm no...
by db55
Mon Apr 12, 2010 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Admiral status
Replies: 6
Views: 2554

db55 - The few times I've driven a BMW (never a 3 series though) I LOVED the handling. How comfortable have you found the car during long stretches of driving? It's extremely comfortable on long drives. Leather seats, great suspension, handles really well - it's not a sports car (ie it's not real q...
by db55
Sat Apr 10, 2010 9:47 pm
 
Forum: Personal Consumer Issues
Topic: For the BMW owners - thinking of getting a 3 or 5 series...
Replies: 115
Views: 11092

I've owned a 325iS for 10 years - I bought it used in 1999 for $20.5K when it was 5 years old and had only 30K miles. It's been very reliable. The only problems I've had are the plastic neck to the radiator broke at 100K miles and the starter relay had to be replaced. Yes, BMWs do cost more to own. ...
by db55
Thu Apr 08, 2010 3:13 am
 
Forum: Personal Consumer Issues
Topic: For the BMW owners - thinking of getting a 3 or 5 series...
Replies: 115
Views: 11092

Intermediate-Term Bonds vs Short-Term or Money Market

Hi, I'd like your advice on my intermediate-term bond holdings. Currently bond funds are paying relatively low interest rates and most people are predicting bond interest rates to rise over the next couple of years (by 1-2 points), which will drive down the value of bonds. What do you think about mo...
by db55
Mon Apr 05, 2010 3:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Intermediate-Term Bonds vs Short-Term or Money Market
Replies: 17
Views: 4322

During the crisis, it went from just over $11.00 to around $10.20. It is at $10.92 today. Of course, as we love saying around here, just because the world didn't end last year doesn't mean it won't end next year (or it's equivalent, past performance is no guarantee of future performance). By the wa...
by db55
Thu Mar 25, 2010 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: How safe is Vanguard CA Interm-Term Tax-Exempt fund?
Replies: 5
Views: 1278

Thanks to all for your advice!!

DB
by db55
Thu Mar 25, 2010 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Best investing books - What are your recommendations?
Replies: 23
Views: 3495

How safe is Vanguard CA Interm-Term Tax-Exempt fund?

Hi, I'd like to get your thoughts on the safety of the Vanguard CA Interm-Term Tax-Exempt fund. I live in California. In 2011, the top marginal tax rate (for income < $1M) will be 39.5% Fed + 9.55% CA = 49% (ouch!!). Therefore there are significant benefits to keeping my taxable bond investments in ...
by db55
Wed Mar 24, 2010 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: How safe is Vanguard CA Interm-Term Tax-Exempt fund?
Replies: 5
Views: 1278

John Bogle's books

Hi, This is a follow-up to a previous question that I asked regarding recommendations on great investment books. I have already read John Bogle's "Common Sense on Mutual Funds" but I haven't read "Bogle on Mutual Funds: New Perspectives ...." (1993). Is there a great amount of ov...
by db55
Wed Mar 24, 2010 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's books
Replies: 0
Views: 408

Hard to improve upon your collection. You have nearly all the bases covered. So I have to ask you a question. Based on your reading, what asset allocation (percentages only) have you decided on (and also your age would be helpful to see if you are an early accumulator, late accumulator, early retir...
by db55
Tue Mar 23, 2010 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Best investing books - What are your recommendations?
Replies: 23
Views: 3495

Best investing books - What are your recommendations?

Hi, I've read several great investing books (and some pretty average ones as well) and I'm interested in your recommendations for the very best books to read on investing. Here are the very best books I've read so far (in no particular order): The Intellegent Investor - Graham/Zweig Common Sense on ...
by db55
Tue Mar 23, 2010 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Best investing books - What are your recommendations?
Replies: 23
Views: 3495

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