Search found 2862 matches

by dratkinson
Tue Jul 28, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Just Got Financially Independent
Replies: 32
Views: 2971

Re: Just Got Financially Independent

Congratulations.
by dratkinson
Tue Jul 28, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: garage door opener resuscitation possible?
Replies: 23
Views: 904

Re: garage door opener resuscitation possible?

You probably don't need to reconnect your garage door to test cycle/operate your garage door opener. The up/down limits are probably set internally using up/down travel-limit adjusting screws. Check your manual and learn how to set the door travel up/down limits. If done internally, then you can saf...
by dratkinson
Tue Jul 28, 2015 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Do I dump the Vanguard energy Fund in my 401k
Replies: 32
Views: 2845

Re: Do I dump the Vanguard energy Fund in my 401k

... All that being said I'm still working on determining the best strategy for my very fee heavy John Hancock 401k. They charge 1.19 fee on Vanguard Index funds and up to 2.02 on some of the actively managed funds. Idea. 1.19% on Vanguard index funds? That's rough. Recall some have successfully lob...
by dratkinson
Mon Jul 27, 2015 11:26 pm
Forum: Investing - Theory, News & General
Topic: Fear Not the Inevitable Stock Market Correction
Replies: 19
Views: 3507

Re: Fear Not the Inevitable Stock Market Correction

Thought those charts looked familiar. Thanks for the update.

Old topic: Market Corrections --- Befriending the Beast: http://www.bogleheads.org/forum/viewtop ... 0&t=145626
by dratkinson
Mon Jul 27, 2015 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio [Russia]
Replies: 18
Views: 1253

Re: Help with portfolio [Russia]

Seem to recall a Wiki article on "EU investing", but temporarily unable to access Wiki (link: screen top right) to search for it for you.



Welcome.
by dratkinson
Mon Jul 27, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Investing as a High Schooler
Replies: 12
Views: 1067

Re: Investing as a High Schooler

Suggested reading. Personal finance: The Only Investment Guide You'll Ever Need , by Andrew Tobias. Covers: life insurance, debt, credit cards, introductory investing.... Investing: The Boglehead's Guide to Investing . Structured walk-through of topic. Kept current by Wiki. Mate selection: Date?...o...
by dratkinson
Mon Jul 27, 2015 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: How do I invest in the stock market?
Replies: 6
Views: 657

Re: How do I invest in the stock market?

Read The Boglehead's Guide to Investing . It provides a structured walk-through of the topic. The Wiki (link: screen top right) keeps the book current (tax changes,...) and provides additional references. If not familiar with personal finance issues, then read The Only Investment Guide You'll Ever N...
by dratkinson
Mon Jul 27, 2015 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Need a Piece of Evidence on the Boglehead Strategy
Replies: 34
Views: 2781

Re: Need a Piece of Evidence on the Boglehead Strategy

Read The Arithmetic of Active Management : http://web.stanford.edu/~wfsharpe/art/active/active.htm . A simple to understand article written by William Sharpe, Nobel laureate in economics, and derived from his award-winning work in the late '60s. Loads, management fees, and high expense ratios are wh...
by dratkinson
Sun Jul 26, 2015 1:14 pm
Forum: Personal Consumer Issues
Topic: Name and address security [Shred mail received?]
Replies: 18
Views: 1322

Re: Name and address security [Shred mail received?]

Shred everything. It adds bulk for the important stuff and disguises the dates of necessary shredding. If this simple act also makes the wife happy than that is double-plus good. May all the rest of your problems be this simple to solve. This is what I did to end the cycle of: summer rain/winter ice...
by dratkinson
Sat Jul 25, 2015 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Do I dump the Vanguard energy Fund in my 401k
Replies: 32
Views: 2845

Re: Do I dump the Vanguard energy Fund in my 401k

Me again. I too caution against selling energy low. Why? My thinking is that energy is a necessary component for all business/economic activity. No energy = no economic activity. Energy should be a commodity. And if it were an unfettered commodity, like soybeans, then it's rate of growth would be li...
by dratkinson
Fri Jul 24, 2015 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Do I dump the Vanguard energy Fund in my 401k
Replies: 32
Views: 2845

Re: Do I dump the Vanguard energy Fund in my 401k

I'm a novice investor. You are forewarned. The advice to sell poorly thought out investments is the same I received when I joined. It has proven to be correct and I follow the 3-fund portfolio in my taxable account. And now for the rest of the story. But my Roth IRA is small, I have no earned income...
by dratkinson
Fri Jul 24, 2015 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with portfolio building
Replies: 7
Views: 583

Re: Help me with portfolio building

I found the BH method when I was 58. You've found it sooner, so you're doing better than I. Market thumbnail overview: No one can predict the future. Exponential market growth is based on exponential population growth: more people needing more business-supplied goods/services. Expect market reversio...
by dratkinson
Fri Jul 24, 2015 3:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4863

Re: livesoft surpasses 40,000 posts!

Looking forward to livesoft's Titanium LightSpeed update.
by dratkinson
Fri Jul 24, 2015 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: MY Son High School Sophmore - p/t worker
Replies: 4
Views: 486

Re: MY Son High School Sophmore - p/t worker

Depends... If it is only you who wants him to begin investing, then maybe the best you can do is match what he contributes to his Roth IRA... with the strong admonition that he can't touch it until he retires... or uncle sugar will charge him an early withdrawal penalty. Bwaa-ha-ha! But if junior wa...
by dratkinson
Thu Jul 23, 2015 10:45 am
Forum: Personal Finance (Not Investing)
Topic: I'm a spender?
Replies: 44
Views: 5738

Re: I'm a spender?

Read about "Stupid Doctor Tricks" on the White Coat Investor blog: http://whitecoatinvestor.com/ . Try to avoid repeating the known one. Expect the market to earn 7%/year until you retire. Your student loan interest rate should be less than that. So distribute your money in this order: --F...
by dratkinson
Thu Jul 23, 2015 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Just made my Vanguard account... now what? (super newbie)
Replies: 8
Views: 1214

Re: Just made my Vanguard account... now what? (super newbie)

Brokerage account. If your brokerage account is charging you transaction fees (or will after the free trades) to buy Vanguard funds, then suggest you buy directly from Vanguard---no fee to do so. If you are using a non-Vanguard brokerage account, you will not have access to the Admiral (lowest-cost...
by dratkinson
Thu Jul 23, 2015 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Is this a cup-with-handle pattern?
Replies: 29
Views: 2316

Re: Is this a cup-with-handle pattern?

If you have not already done so, then do yourself a favor and google: technical analysis astrology. If you persist along this active trading route, set yourself a limit as to how much you can tolerate to lose, and stop when you get there. (My limit turned out to be $10K in the first year.) Ignore th...
by dratkinson
Wed Jul 22, 2015 4:55 pm
Forum: Personal Consumer Issues
Topic: Magazine Subscriptions
Replies: 37
Views: 2699

Re: Magazine Subscriptions

Trip to local library. Our county library lets one check out the non-current issues of magazines. The current issue must remain in the library, but eventually becomes the non-current issue. +1. Your property tax is already paying for the library, so might as well make the most use of it. Plus, the ...
by dratkinson
Wed Jul 22, 2015 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique this Singaporean portfolio
Replies: 14
Views: 1694

Re: Please critique this Singaporean portfolio

Hi All Apologies for pulling out this old thread again. I wanted to seek some advise as I am also using the Singapore's CPF as my bond portion. My target portfolio allocation is as follow Bond (CPF) 30% Equity 65% Gold 5% The issue I have is I started my investment journey late and my Equity portio...
by dratkinson
Tue Jul 21, 2015 6:23 pm
Forum: Personal Consumer Issues
Topic: Whole House Fan with Simple Automation
Replies: 12
Views: 1251

Re: Whole House Fan with Simple Automation

My whole-house belt-driven attic fan is mounted to the wood framing, so is noisy. Remounting it is way down on my To Do list. Automatic temperature controls. Thought about that. Would need two thermostats: outside temp and inside temp. Thought about using line voltage thermostats, if I could find on...
by dratkinson
Tue Jul 21, 2015 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie wanting to start to invest
Replies: 26
Views: 1480

Re: Newbie wanting to start to invest

The year-by-year story of compound growth. Assume: You invest $23K/year, on 1 January of each year, from age 23 to age 65 (43 discrete years). Assume 7%/year market growth. Ignore inflation, taxes,.... Investment periods and compound growth for each: Age 23, $23K invested for 43 years grows to: $42...
by dratkinson
Tue Jul 21, 2015 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: New Vanguard Customer
Replies: 20
Views: 2100

Re: New Vanguard Customer

... also you cant use all those funds at once, as they each need a 3k minimum.... CORRECTION: Why not? Put $5,000 into Fund A. After a few days, move $4,000 to fund B. After a few more days, move $3,000 to fund C. Leaving $1K in fund A, $1K in fund B, and $3K in fund C. Now you have money in 3 fund...
by dratkinson
Tue Jul 21, 2015 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Left Ed Jones...what now?
Replies: 21
Views: 2879

Re: Left Ed Jones...what now?

^^^ Ruralavalon has provided an excellent recap of OP's situation and current thinking toward a good solution. ... I suggest some self-education on investing. Start with the wiki article "Bogleheads Investment Philosophy". Read a general investing book from the the wiki category on "B...
by dratkinson
Mon Jul 20, 2015 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Left Ed Jones...what now?
Replies: 21
Views: 2879

Re: Left Ed Jones...what now?

Your inherited IRA. All I recall about accounts under withdrawal: --The 40/60 AA is reported to last longest under withdrawal. This assumes 4%/year. --I don't know how RMDs play with accounts compared to the 4% withdrawal rate. Biotech: market sectors. Unless you have a long time horizon to play wit...
by dratkinson
Mon Jul 20, 2015 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Left Ed Jones...what now?
Replies: 21
Views: 2879

Re: Left Ed Jones...what now?

... Given her low tolerance for risk, I was thinking either: 50% FSKTX ER .07, 91% of equities. 5% BlackRock for Int'l ER .17, 9% of equities. 45% BlackRock US Debt ER .08, Or 100% in one of the LifeCycle funds, probably LifeCycle 2020 since that has about a 60/40 split. ER .13% Thoughts? EDIT She'...
by dratkinson
Mon Jul 20, 2015 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: New Vanguard Customer
Replies: 20
Views: 2100

Re: New Vanguard Customer

I think I will initially fund my new Roth IRA Account by doing a partial Rollover (6k) from my IRA with Fidelity. If you have contributed to your Fidelity IRA for 2015, then this is an acceptable plan. But, if you have not contributed to your Fidelity IRA for 2015, then you should still fund your V...
by dratkinson
Mon Jul 20, 2015 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie wanting to start to invest
Replies: 26
Views: 1480

Re: Newbie wanting to start to invest

... It's just the fact that I don't know if starting to invest this year or starting next year will make a huge difference in terms of retirement money available. ... Simple to guesstimate and procedure should be explained in the recommended readings. Assume: You are 23, will retire at 65, invest $...
by dratkinson
Sun Jul 19, 2015 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie wanting to start to invest
Replies: 26
Views: 1480

Re: Newbie wanting to start to invest

The short answer. The more tax-advantaged accounts you can fill annually, the better for you at retirement. That's step #1. Step #2 is filling those accounts with your best available options. The long answer. Recommended background reading (in the order listed). Try to get the books from your local ...
by dratkinson
Sun Jul 19, 2015 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: New Vanguard Customer
Replies: 20
Views: 2100

Re: New Vanguard Customer

...And based on forum's answers to your questions, what is your current thinking/planing for: --Your new Vanguard Roth IRA? What fund(s) will you use, as your annual max contribution can't buy all you've listed? --Your Fidelity IRA that you're moving to Vanguard? What funds(s) will you use? If keepi...
by dratkinson
Sat Jul 18, 2015 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Need Portfolio Help!
Replies: 7
Views: 625

Re: Need Portfolio Help!

Given your excellent 401k options, suggest you invest this way: --Max your 401k. --Max a Roth IRA. --Begin taxable investing. Follow these steps until you run out of money to invest. Follow your same asset allocation as you add each new type of account. The only change would be substitute muni bonds...
by dratkinson
Sat Jul 18, 2015 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: New Vanguard Customer
Replies: 20
Views: 2100

Re: New Vanguard Customer

Regarding the Asset Allocation I think i will probably start with a 80/20 AA on my new Roth IRA, what do you guys think about the Vanguard LifeStrategy Growth Fund? (see below) LifeStrategy Growth is a simple acceptable solution for your described situation. And easy enough to change later when you...
by dratkinson
Fri Jul 17, 2015 6:44 pm
Forum: Personal Consumer Issues
Topic: How do I properly label my condo's mailbox?
Replies: 8
Views: 895

Re: How do I properly label my condo's mailbox?

Dymo tape label? Or stop by an office supply store and see what strikes your fancy. Or ask a postman if the USPO has a preference.
by dratkinson
Fri Jul 17, 2015 11:58 am
Forum: Investing - Help with Personal Investments
Topic: New Vanguard Customer
Replies: 20
Views: 2100

Re: New Vanguard Customer

Advice. Young new investors should begin with 30% bonds until they have weathered their first market crash/recovery and learned their true risk tolerance. Advice. Everyone should have no less that 25% stocks or bonds and no more than 75% stocks or bonds. Based on above and without knowing more about...
by dratkinson
Fri Jul 17, 2015 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Financial Review - 29 & 28 Year Old Married Couple
Replies: 14
Views: 1827

Re: Financial Review - 29 & 28 Year Old Married Couple

To help avoid replacement shares: (1) turn off all reinvested distributions in taxable accounts, (2) turn off reinvested distributions for the same funds (as in taxable) held in any family account, and (3) coordinate with spouse before TLHing (to ensure spouse was not buying shares---considered rep...
by dratkinson
Thu Jul 16, 2015 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Soup to Nuts Advice Request
Replies: 11
Views: 1405

Re: Soup to Nuts Advice Request

The perfect lazy portfolio? No such thing exists. There is only one portfolio that is correct for you. Bond allocation. Assuming you are 60 (retiring in 6 years at age 66), 50-55% bonds is acceptable for an aggressive investor (age in bonds - 10). Use recommended bonds: total US bond market index, U...
by dratkinson
Thu Jul 16, 2015 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Review - 29 & 28 Year Old Married Couple
Replies: 14
Views: 1827

Re: Financial Review - 29 & 28 Year Old Married Couple

Tax-advantage investing. Max these accounts every year. Why? Compound interest and tax-free growth (expect 7+% market growth over the long-term) until you retire. Prefer Roth (401k, IRA,...) options over traditional options. Why? Roth's long-term tax benefits (tax-free withdrawals in retirement, no...
by dratkinson
Wed Jul 15, 2015 7:15 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3904

Re: Are the more expensive bikes worth paying for?

I use this to guesstimate/record how far I was riding: distance = RPMs(=MPH) X time. Used a watch to guesstimate RPMs. Sheldon Brown's Bicycle Gear Calculator (calculate RPM-based MPH): http://www.sheldonbrown.com/gears/ Side benefit. Studying the chart produced by above, one can see the most effici...
by dratkinson
Wed Jul 15, 2015 5:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Muni bond market unlikely to feel impact of Puerto Rico woes.
Replies: 5
Views: 899

Re: Vanguard: Muni bond market unlikely to feel impact of Puerto Rico woes.

This from Vanguard's tax documents: "Tax-exempt interest dividends by state for 2014". For Puerto Rico...

TE mmkt: 0.04%
ST TE: 0.15%
Ltd Term TE: 0.13%
IT TE: 0.66%
LT TE: 1.43%
HY TE: 2.81%
Tax-managed balanced: 0.50%

So not too much to worry about.
by dratkinson
Wed Jul 15, 2015 4:35 pm
Forum: Personal Consumer Issues
Topic: Are the more expensive bikes worth paying for?
Replies: 78
Views: 3904

Re: Are the more expensive bikes worth paying for?

Bicycle geometry. Still riding my '85 vintage BCA steel (no rust) mountain bike ($150 new). The bent-forward riding position became uncomfortable, so LBS (experienced owner knew what I wanted/how to get it) modified it to be an upright comfort bicycle: added stem riser, adjustable stem installed st...
by dratkinson
Wed Jul 15, 2015 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: I tipped 15% and got a dirty look
Replies: 129
Views: 6806

Re: I tipped 15% and got a dirty look

Bad news. Wouldn't read too much into "dirty look". Wait staff could have been mulling over unpleasant news when you met. It's happened to me when I received such news and it took a moment to recover before helping the next person. So don't assume you are the source until informed so. To ...
by dratkinson
Tue Jul 14, 2015 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: 27 Year Old Medical School Graduate With Financial Questions
Replies: 19
Views: 3392

Re: 27 Year Old Medical School Graduate With Financial Questions

Emergency fund. Believe you should increase the size of your EF. Use your EF to get over any hurdle placed before you by your once/month salary. Problem solved. TIAA-CREF 401k. Can let it sit. Can roll it forward into your new employer's 401k. Can convert it into a traditional IRA. Can convert it in...
by dratkinson
Tue Jul 14, 2015 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Left Ed Jones...what now?
Replies: 21
Views: 2879

Re: Left Ed Jones...what now?

In your Charles Schwab brokerage account. If you could get free trades on reputable/low-cost ETFs to build a 3-fund portfolio, then that would be acceptable. A quick search indicated that CS sometimes has free trades on iShares ETFs, but don't know if these are acceptable. Others will need to help y...
by dratkinson
Mon Jul 13, 2015 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help with allocation?
Replies: 5
Views: 389

Re: Help with allocation?

Background information. Please read The Boglehead's Guide to Investing , so you will understand the forum's investing philosophy. (It's unwise to accept advice if you don't believe the underlying philosophy.) Get the book for your local library. Being reading in the Wiki (link: screen top right) wh...
by dratkinson
Mon Jul 13, 2015 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Left Ed Jones...what now?
Replies: 21
Views: 2879

Re: Left Ed Jones...what now?

Please read The Boglehead's Guide to Investing , so you will understand the forum's investing philosophy. (It's unwise to accept advice if you don't believe the philosophy.) Get the book from your local library. You can also begin reading in the Wiki (link: screen top right) while waiting for the bo...
by dratkinson
Mon Jul 13, 2015 11:34 am
Forum: Investing - Help with Personal Investments
Topic: I-Savings Bonds
Replies: 29
Views: 3946

Re: I-Savings Bonds

The #1 reason I bought savings bonds, as their interest is tax-deferred, was to extends my annual tax-advantaged space. Buying. It's easy to buy savings bonds at TD. The transaction happens within 1-2 days. Tracking. It's easy as TD computes everything (not redeemable, redeemable with penalty, fully...
by dratkinson
Sun Jul 12, 2015 9:05 am
Forum: Investing - Help with Personal Investments
Topic: beginner's question about allocation... [Hong Kong]
Replies: 19
Views: 1636

Re: beginner's question about allocation... [Hong Kong]

Found this: China Government Bonds (yield curve): http://www.investing.com/rates-bonds/ch ... ment-bonds

Will keep looking until I gather enough information to record/track transactions for my simulation.

Thanks for the idea.
by dratkinson
Sat Jul 11, 2015 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any benefit to a Roth IRA if I don't make enough to pay capital gains taxes?
Replies: 20
Views: 1519

Re: Is there any benefit to a Roth IRA if I don't make enough to pay capital gains taxes?

Are you suggesting that the Roth is worth contributing to even if it's not specifically for retirement? If I can't contribute up to the limit from my monthly income, is it worth moving funds from an investment account into the IRA? Yes, here is a wiki about how some people use a Roth as an emergenc...
by dratkinson
Sat Jul 11, 2015 4:28 pm
Forum: Personal Consumer Issues
Topic: Shower door or curtain for bathroom remodel
Replies: 61
Views: 3822

Re: Shower door or curtain for bathroom remodel

Notice your plan to use Kohler accessories. If this includes the toilet, suggest you search forum for toilet/commode recommendations. Why? Was talking to a guy this week and he said his new Kohler toilet (internal mechanism) was a PITA. Seem to recall "Drake Toto" or "Toto Drake"...
by dratkinson
Sat Jul 11, 2015 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: newbie here
Replies: 8
Views: 819

Re: newbie here

Fidelity Spartan funds are well respected. But don't make any changes just yet. Why? Because being a retired investor, we want to ensure you receive the best advice available and minimize your market risk exposure. For that we need more information about your situation, and you need more knowledge a...
by dratkinson
Sat Jul 11, 2015 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me... [Portfolio help]
Replies: 8
Views: 821

Re: Please help me...

"Don't Panic." You have plenty of time to work on this, but we need more information, and you need more knowledge. Please do this. Read The Boglehead's Guide to Investing . Get it from your local library. Or begin reading in the Wiki (link: screen top right) while you are waiting for the b...

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