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Re: Help looking for ways to get to 50-50

The Tax-managed balanced fund might be worth taking a look at. It is roughly 50/50 stocks and municipal bonds.

this would be in a taxable account.
by epictetus
Thu Apr 17, 2014 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 19
Views: 1440

Re: Netflix & Red Box

If you like British comedy let me suggest "The IT Crowd." I really enjoyed it. If you don't like the first episode or two you might jump ahead to season two. Those episodes are the best of the series I think. Poirot is also another one we enjoyed. I think there are 45 streaming episodes. F...
by epictetus
Wed Apr 09, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: Netflix & Red Box
Replies: 26
Views: 1498

Re: Paper bonds vs Treasury Direct

advantage to paper bonds: if they are lost/stolen they can be replaced
disadvantage to treasury direct: it is your loss/liability if they are stolen from your account.
by epictetus
Sat Mar 22, 2014 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paper bonds vs Treasury Direct
Replies: 24
Views: 1557

Re: Help with Fidelity Post Tax Brokerage Acct

for the total stock market index fund investor class, initial purchase minimum is 2500.
for the advantage class of the fund the initial purchase minimum is 10,000.

required minimum for both for additional purchases is 0.00.
by epictetus
Sat Feb 15, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity Post Tax Brokerage Acct
Replies: 16
Views: 1031

Re: Coming to terms with my awful track record

don't be down on yourself about it.
most of us have these kinds of stories.
be glad you were only 10 years into it when you figured out a better path.
keep coming here for info and healthy reminders.
by epictetus
Tue Feb 11, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Coming to terms with my awful track record
Replies: 20
Views: 2098

Re: Help with Fidelity Post Tax Brokerage Acct

I would suggest using the Spartan index funds from Fidelity. It simpler than using ETFs.
And would suggest considering using just the Total Stock Market Index and if you want international the International one that is broader than FSIIX
by epictetus
Sun Feb 09, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Fidelity Post Tax Brokerage Acct
Replies: 16
Views: 1031

Re: Help! I'm so new and need help! [Portfolio help]

an online savings account linked to your checking account is all you need. there are several good options: Discover Bank, GE Capital Bank, Ally Bank, Barclays bank. a savings account at your local bank is another option, but the interest rate will probably be a lot lower than the online savings acco...
by epictetus
Sun Feb 09, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Help! I'm so new and need help! [Portfolio help]
Replies: 8
Views: 487

Re: $500,000 to invest long-term at age 30 - Where? How?

depending on your desired asset allocation, risk tolerance, etc., etc. one option to consider might be Vanguard's Tax-managed balanced fund. Roughly 50/50 stock/municipal bonds. is run in a way to minimize taxes and it would be rebalanced for you.

just an idea for consideration.
by epictetus
Sat Feb 01, 2014 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: $500,000 to invest long-term at age 30 - Where? How?
Replies: 19
Views: 2942

Re: Joined the "Two Comma Club" Today

Congratulations!
to be at that point at 27 is hard to imagine.
by epictetus
Fri Jan 31, 2014 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: Joined the "Two Comma Club" Today
Replies: 47
Views: 4457

Re: Thumbs Up or Down on FBALX - Fidelity Balanced

the problem is, if you are in a Fidelity 401/403/etc. the Balanced fund and the Puritan fund maybe the only two funds of this type you have access to. I have held both Balanced and Puritan in the past. Several years ago I moved into index funds for many reasons. If I had access to the LIfestrategy f...
by epictetus
Sun Jan 26, 2014 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thumbs Up or Down on FBALX - Fidelity Balanced
Replies: 12
Views: 570

Re: "150 Portfolios Better Than Yours"

Taylor, Thank you for posting this link. Emergdoc, Thank you for your time/energy (it had to be a lot) to compile all that information. I think you make a great point which is the real bottom line which I will paste below: "sticking with any good portfolio matters far more than which good portf...
by epictetus
Fri Jan 24, 2014 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: "150 Portfolios Better Than Yours"
Replies: 52
Views: 4448

Re: How Bogleheaded today? I was supposed to buy my stocks.

to the OP: depending on lots of factors 66% in stocks maybe pretty aggressive, pretty conservative, or somewhere in between. One general guidelines to think about is age in bonds. Another is don't have your stock allocation more than twice the amount you can tolerate seeing your portfolio go down (i...
by epictetus
Fri Jan 24, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: How Bogleheaded today? I was supposed to buy my stocks.
Replies: 50
Views: 3915

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor!!
Congratulations on reaching this milestone.
You have helped more people and had a bigger impact on more lives than you will ever realize.
Thank you for being such a gentleman.
by epictetus
Wed Jan 22, 2014 7:37 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12682

Re: 17.6 year stock market cycle

I think it is interesting. I had noticed this pattern for some of the time periods but did not realize it went back as far as it did. And didn't know someone had looked more specifically into it.

thanks for posting it.
by epictetus
Wed Jan 15, 2014 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 17.6 year stock market cycle
Replies: 38
Views: 2592

Re: Should I stop funding my 457b?

Personally I would stop funding it. the risk of potentially losing the money is too great a risk to take in my opinion. the amount of money you have at stake now would be a lot to lose. and as the poster above noted you might have multiples of that amount at risk in future years. my wife funded her ...
by epictetus
Wed Jan 08, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I stop funding my 457b?
Replies: 3
Views: 399

Re: Is a 457b a good option after maxed out 403b and Roth IR

would suggest emailing your benefits office and asking them if the 457 is governmental or non-governmental. that is the key issue, as noted by several people. if governmental, then you can use it like an additional 403. and an advantage of the 457 is if you take out the proceeds prior to 59.5 years ...
by epictetus
Sun Jan 05, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is a 457b a good option after maxed out 403b and Roth IRA?
Replies: 26
Views: 1346

Re: First time doing my own taxes

if your situation is relatively simple/straightforward i also agree with the idea of doing the returns by hand, on paper. i used to use tax software but i have found it takes a lot longer than doing it by hand. plus when doing it by hand you understand what amount is going where and why. versus just...
by epictetus
Sat Jan 04, 2014 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: First time doing my own taxes
Replies: 37
Views: 1591

Re: LifeStrategy fund vs a prof. managed index portfolio

would you be ok if the fund goes down 20% and stays down for a while?
if not the 40% stock approach may be too stock heavy.
by epictetus
Mon Dec 30, 2013 8:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy fund vs a prof. managed index portfolio
Replies: 29
Views: 2543

Re: What Was Your Best Portfolio move in 2013

Read this board every day.
Rebalanced on my birthday as per plan.
was only vaguely and from a distance aware of stock market and bond market returns.

Thank you Bogleheads!!!!!
by epictetus
Wed Dec 25, 2013 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Was Your Best Portfolio move in 2013
Replies: 125
Views: 7039

Re: Got Mom a Kindle Fire HD! Top things I need to show her?

my wife loves her kindle fire for reading.

if this is a new kindle fire i think there is a way to press something on the screen and instantly have an amazon person communicate with you and take over the kindle if need be to fix a problem, set something up, etc. I forget what this feature is called.
by epictetus
Tue Dec 24, 2013 11:13 am
 
Forum: Personal Consumer Issues
Topic: Got Mom a Kindle Fire HD! Top things I need to show her?
Replies: 19
Views: 1193

Re: Online Saving Bank Account

GE Capital Bank and Discover Bank are two options to consider.
by epictetus
Wed Dec 18, 2013 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 3631

Re: Feel as if I am stuck now...Some clarity needed

I agree with the posters who say put it all in one of the target date funds. one caution: be prepared for the value of your account to go down 50% of the percentage you hold in stocks (for example if you hold 80% in stocks then be prepared for the value of your account to go down 40%). knowing this ...
by epictetus
Sun Dec 01, 2013 3:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Feel as if I am stuck now...Some clarity needed
Replies: 28
Views: 2251

Bogle's basics: 12 letter strategy

I would like to thank everyone involved in creating and maintaining this board for your efforts. It has been massively helpful to me and has helped me keep my investing sanity. In the midst of the many postings re: all the fine-tuning that could be done because stocks are too high, bonds are a disas...
by epictetus
Thu Nov 28, 2013 2:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogle's basics: 12 letter strategy
Replies: 8
Views: 1824

Re: best place for $750k of cash?

GE Capital Bank is another online option to check out. Their 5 year CD rate is right at 2%.
Discover Bank used to be another good option but their rates have declined some recently.
by epictetus
Sat Nov 16, 2013 9:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: best place for $750k of cash?
Replies: 11
Views: 2011

Re: Fidelity vs Vangaurd for taxable account???

are there particular reasons you are considering using ETFs v. mutual funds?
by epictetus
Thu Oct 31, 2013 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Vanguard for taxable account???
Replies: 19
Views: 1490

Re: change to ally bank early withdrawl penalty

sorry about that.
i didn't see the earlier posting.
feel free to delete mine.
by epictetus
Tue Oct 29, 2013 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Ally CD Early Withdrawal Penalty changing Dec. 7
Replies: 19
Views: 2382

change to ally bank early withdrawl penalty

[Thread merged into here, see below. --admin LadyGeek] I received this from Ally Bank today. I thought this info would be of interest here. Effective December 7, 2013 our Deposit Agreement will be changing. We wanted to take this opportunity to highlight some of the key changes. This is not a compl...
by epictetus
Tue Oct 29, 2013 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: Ally CD Early Withdrawal Penalty changing Dec. 7
Replies: 19
Views: 2382

Re: DIY LifeStrategy Growth Fund with ETFs at Schwab

would echo the suggestion of considering just using the mutual funds
by epictetus
Tue Oct 29, 2013 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: DIY LifeStrategy Growth Fund with ETFs at Schwab
Replies: 8
Views: 770

Re: Forbes Column about Bogleheads

Thank you for posting the link to this excellent article.
It does a great job summarizing the key issues.
by epictetus
Tue Oct 29, 2013 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Forbes Column about Bogleheads
Replies: 32
Views: 4436

Re: New employer requires me to move my accounts to their br

I just double-checked (didn't want to give you incorrect info) and Schwab has a variety of low cost index funds for stocks and bonds. I really don't think this will be a big issue for you re: replicating your holdings at Schwab. Would just require some rebalancing now and then. Of all the places the...
by epictetus
Sat Oct 12, 2013 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: New employer requires me to move my accounts to their broker
Replies: 39
Views: 2718

Re: New employer requires me to move my accounts to their br

I think Schwab has some very low cost index funds. If so you might just buy them.
by epictetus
Sat Oct 12, 2013 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: New employer requires me to move my accounts to their broker
Replies: 39
Views: 2718

Re: Anyone else freaking about the state of the market?

freaking out emotionally is exactly why you need an asset allocation and rebalancing plan. it helps steady all of us. your emotions very often you in the wrong direction in investing. if you decide you need to reduce the stock allocation in your portfolio that is alright. but make this a part of you...
by epictetus
Mon Oct 07, 2013 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else freaking about the state of the market?
Replies: 95
Views: 7444

Re: Car Wax

I like the Turtle Wax Spray on Car Wax. Is very easy to spray on and wipe off. I have found it lasts about as well as anything else in my situation. And because it is so easy/quick to spray on and wipe off I don't mind doing it a bit more frequently. I tried the Black Magic Car Wax mentioned in one ...
by epictetus
Sat Oct 05, 2013 8:24 am
 
Forum: Personal Consumer Issues
Topic: Car Wax
Replies: 42
Views: 2757

Re: Insufficient Short Term Disability Maternity Insurance,

i have never really understood the appeal of short-term disability if a person has an adequate emergency fund. my sense is the premiums are high and the benefit/payout is for a very short period of time. and as you have experienced it can be even less than you thought and may be a hassle getting it ...
by epictetus
Sun Sep 22, 2013 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insufficient Short Term Disability Maternity Insurance, UNUM
Replies: 14
Views: 1382

Re: iShare ETFs vs Spartan mutual funds at Fidelity ?

i would suggest going with the mutual funds.
buy the dollar amount you want of the funds you want and that is that.
by epictetus
Tue Sep 10, 2013 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: iShare ETFs vs Spartan mutual funds at Fidelity ?
Replies: 24
Views: 1755

Re: Please help organize this portfolio

I would suggest first to take a deep breath or two. You have had a lot of changes in a short amount of time. You are doing ok financially for this point in your education/career. The following are the thoughts I have: 1. I would suggest bumping up the emergency fund to 6 months. 2. I would suggest d...
by epictetus
Sun Sep 01, 2013 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio reorganized. Thanks BH
Replies: 9
Views: 1088

Re: Watch experts - I need some advice

if she has always wanted a Tag then receiving one on this special occasion will probably mean more to her than receiving the other one.
by epictetus
Sat Aug 24, 2013 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Watch experts - I need some advice
Replies: 22
Views: 1089

Re: Life Change -Best way to move forward with a Boglehead p

i think you are taking very smart steps to improve your financial future. Fidelity is a fine place to do this as long as you use the Spartan funds. personally i would suggest doing the 3 fund versus the 5 fund portfolio (and not using REIT or TIPS). I think the 3 fund gives you less room to tinker t...
by epictetus
Sat Aug 24, 2013 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Life Change -Best way to move forward with a Boglehead plan?
Replies: 8
Views: 1388

Re: GE Capital Bank Online Savings

I just opened a 5 year CD with them. Became aware of them after reading postings here about them. Process was straightforward. Will see how it goes re: their interest rate compared to others.
by epictetus
Tue Aug 20, 2013 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: GE Capital Bank Online Savings
Replies: 12
Views: 2233

Re: Ugh, John Hancock 401k - is it worth it?

my wife also has a relatively new john hancock 401k. there were lots of not good choices but there was an S&P 500 index fund in there for about a .50-.60 expense ratio. so we directed it all there and will balance out the rest in other accounts. i had to look around carefully in all the material...
by epictetus
Tue Aug 13, 2013 7:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ugh, John Hancock 401k - is it worth it?
Replies: 11
Views: 657

Re: What makes an individual an Expert?

a definition i heard once and liked:

someone from out of town with a degree
by epictetus
Tue Aug 13, 2013 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: What makes an individual an Expert?
Replies: 46
Views: 2122

Re: Best On Line Bank?

thank you for the mention of ge capital bank. i had not heard of them before. their 5 year cd now is better than discover bank and barclays. also i saw that everbank has a 5 year cd for 2.06 i was unable to locate on their site penalty for early withdrawal. i have used discoverbank in the past and l...
by epictetus
Mon Aug 12, 2013 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best On Line Bank?
Replies: 31
Views: 4052

Re: ***457 Plan - Bond Investment, which one???

what are the expense ratios on the funds?
by epictetus
Sun Aug 04, 2013 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: ***457 Plan - Bond Investment, which one???
Replies: 7
Views: 374

Re: Choosing the best mutual fund for roll-over IRAs

Don't let past investing goofs scare you off managing your money yourself now. We all have had past investing goofs. For most of us some of those goofs are what led us to learn about and implement the more reasonable investing approach reflected on this board. The Spartan Funds at Fidelity are excel...
by epictetus
Sat Aug 03, 2013 5:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Choosing the best mutual fund for roll-over IRAs
Replies: 10
Views: 906

Re: Choosing the best mutual fund for roll-over IRAs

Here is a link to Taylor's posting re: the 3 fund portfolio:

viewtopic.php?f=10&t=88005
by epictetus
Sat Aug 03, 2013 8:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing the best mutual fund for roll-over IRAs
Replies: 10
Views: 906

Re: Choosing the best mutual fund for roll-over IRAs

I would encourage you to do some reading. I would suggest starting with Bogle's "Little book of common sense investing." Also I would encourage you to search and read about Taylor Larimore's 3 fund approach to investing on this board. Once you get some of the basic framework such as using ...
by epictetus
Sat Aug 03, 2013 8:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Choosing the best mutual fund for roll-over IRAs
Replies: 10
Views: 906

Re: trip to iran, suggestions?

Rick Steves had an episode where he was in Iran. I think it would definitely be worth watching as you think about your trip.
by epictetus
Thu Aug 01, 2013 7:09 pm
 
Forum: Personal Consumer Issues
Topic: trip to iran, suggestions?
Replies: 25
Views: 3344

Re: Shoe recommendation

SAS makes the most comfortable and longest lasting shoes I have ever worn at work. and they are made in the US

given what you said the Diplomat style might be something you would like

I have pasted below a link to the men's styles:

http://www.sasshoes.com/main/view_style ... hp?catid=1
by epictetus
Sun Jul 21, 2013 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Shoe recommendation
Replies: 20
Views: 2901

Re: Free books for kindle?

if you go to www.bookbub.com you can sign up to receive a daily email from them for low/no cost books within the categories you have chosen. I have been using it for several months with no problems, no spam, etc.
by epictetus
Fri Jul 19, 2013 7:59 pm
 
Forum: Personal Consumer Issues
Topic: Free books for kindle?
Replies: 17
Views: 1733
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