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Re: Is a 457 worth it?

Greetings, I was a Texas state employee and have this exact same plan. A couple of thoughts: 1. You can access whatever funds you want through the Schwab PCRA. More here: https://texasaver.gwrs.com/preLoginContentLink.do?accu=TexasWR&specificBundle=preLogin&contentUrl=prelogin.457.planhighli...
by femur
Thu Mar 13, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a 457 worth it?
Replies: 15
Views: 1183

Best way to shop for insurance? (spreadsheet included)

Greetings, I just got 2 of my bills for insurance (Renters and Auto) and am tired of seeing my premiums climb. I want to shop for insurance, but I don't really know the best way to go about it. I created This Comparison Spreadsheet to price compare but am not thrilled with the prospect of calling ea...
by femur
Mon Mar 10, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to shop for insurance? (spreadsheet included)
Replies: 4
Views: 382

Re: Anyone buying extra $5000 I Bonds through tax refunds

Im thinking of buying paper I Bonds this year but I probably wont do the full $5000. I am curious if anyone can tell me what denominations I will get. For instance, if I want $550, will I get one $500 bond and 1 $50 bond? I see that form 8888 does not allow me to specify what denominations I prefer...
by femur
Mon Jan 13, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone buying extra $5000 I Bonds through tax refunds
Replies: 31
Views: 1706

Re: Anyone buying extra $5000 I Bonds through tax refunds

Im thinking of buying paper I Bonds this year but I probably wont do the full $5000. I am curious if anyone can tell me what denominations I will get. For instance, if I want $550, will I get one $500 bond and 1 $50 bond? I see that form 8888 does not allow me to specify what denominations I prefer.
by femur
Mon Jan 13, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone buying extra $5000 I Bonds through tax refunds
Replies: 31
Views: 1706

Re: High Earners - What's Your Profession?

Very specialized IT consultant in Texas: 140k/yr
by femur
Mon Jan 13, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 334
Views: 22781

Re: Poll: Understanding the average forum member age

But then I notice that I am the 77th one to vote in this poll and I am the only one under 26 so far. Time to get off of Bogleheads and enjoy my youth. There are several of us around(5 thus far) although it does seem we are the minority. I joined bogleheads (or at least was reading threads here as w...
by femur
Mon Jan 13, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Understanding the average forum member age
Replies: 56
Views: 4832

Re: Where to put house money?

I bet most people here would say that it makes no sense to try for an extra percent or something in return, if you can even get that, while risking the loss of many times that amount while being pinned to the wall to extract that money to buy the house. Admittedly there may be more uncertainty in w...
by femur
Mon Dec 23, 2013 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put house money?
Replies: 20
Views: 1861

Re: Billionaire Boglehead!!!

3) Ideas, thoughts welcome!


Ill have my great-grandson update the thread in the year 2110 or so and let you know :)

(im 31 years old)
by femur
Mon Dec 23, 2013 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: [Are there any] Billionaire Boglehead!!!
Replies: 49
Views: 4686

Re: Car Dilemma

1) Money is fungible This means that the money in your right pocket is just the same as the money in your left pocket so what you do with it does not really matter in the grand scheme. Money is money. :) 2) That said, if your parents expressed an intended use for their $5K gift, you should try to h...
by femur
Mon Dec 23, 2013 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Car Dilemma
Replies: 20
Views: 1702

Re: AA checkup and a few question

New annual Contributions $12k his/her 401k (including employer matching contributions) $50k to taxable 2. Should I divert some of the monthly excess cash flow from FDIC to taxable and 401k? I like the flexibility of having it in the taxable In case we ever need it, but am not sure this is the right...
by femur
Tue Dec 10, 2013 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA checkup and a few questions
Replies: 4
Views: 307

Re: 145k in student loans, 255k in investments, and UNK Futu

I would also definitely sell and pay off the loans. Think of it as a guaranteed 6.8% return!
by femur
Tue Dec 10, 2013 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial decisions to start a business and family (edited)
Replies: 36
Views: 1957

Re: 26 Years Old, First Time Investor

I thought i would quickly touch on one of your questions: 3) What are your thoughts/suggestions on the mutual fund that I own (Janus Research Fund JAMRX)? I'm inclined to sell it, but I'm wondering if there are any other opinions on this? You should absolutely sell this. The expense ratio is too hig...
by femur
Tue Dec 10, 2013 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 26 Years Old, First Time Investor
Replies: 6
Views: 744

Timing a 403(b) rollover to Vanguard; Prorated Distributions

Greetings, I have a question that a google search and search of bogleheads forums could not answer. Here it is: I have a 403(b) with fidelity from my previous employer with the following investments: FUSEX (Fidelity Spartan 500 Index Fund Investor Class) FSIIX (Fidelity Spartan International Index F...
by femur
Tue Dec 03, 2013 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Timing a 403(b) rollover to Vanguard; Prorated Distributions
Replies: 2
Views: 108

Re: A personal story about investor behavior

Bogleheads: In the terrible bear market of 1929-1935 the Dow plunged 89%. I remember it well (we lost our home). (note, the following may be somewhat off topic) Mr. Larimore, I really wish there was a book about your life or someone would write a biography about you. There are so many snippets abou...
by femur
Tue Oct 01, 2013 11:52 am
 
Forum: Investing - Theory, News & General
Topic: A personal story about investor behavior
Replies: 16
Views: 2640

Re: Portfolio allocation advice - 30 yr old in CA

Why are some of those checking account yields so high? Seems fishy to me. They are able to provide high rates because the Banks make money on the debit and bill-pay requirements. It is quite legitimate but not really offered at such high rates by mega banks. Thats why that list I linked contains sm...
by femur
Thu Sep 05, 2013 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation advice - 30 yr old in CA
Replies: 18
Views: 1829

Re: Portfolio allocation advice - 30 yr old in CA

1. Do you think I’m crazy for eliminating the emergency fund? My rationale is that the money should be earning interest, which is impossible in a savings account these days. If I have a true emergency, I can either run a balance in the personal line of credit for a while and/or sell from the taxabl...
by femur
Wed Sep 04, 2013 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation advice - 30 yr old in CA
Replies: 18
Views: 1829

Re: Au revoir mes amis

Default User BR wrote:
I have elected to remove myself from the forum as an active participant. My reason is off-topic to discuss and probably not productive anyway. Let's say that it's a matter of principle and I think it the best thing to do.


Well anybody else curious as heck now?
by femur
Fri Aug 30, 2013 11:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Au revoir mes amis
Replies: 39
Views: 6247

Re: pay off .9% car loan with lump sum or invest?

know a lot of this comes down to personal choice I think that's it right there. My personal choice is to find a CD or other safe FDIC insured instrument and keep that cash safe and earn some interest. If I had $17k at .9% I would take that cash and keep it in a Reward Checking Account that earns 2....
by femur
Fri Aug 09, 2013 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: pay off .9% car loan with lump sum or invest?
Replies: 4
Views: 388

Re: any suggestions on a ccw

I have been carrying this kel tec p32 for about a year: http://www.keltecweapons.com/our-guns/pistols/p-32/

It holds 8 rounds, is cheap and accurate, and fits in a pocket holster than ends up being about the size of a wallet. I really like it and it fits all of your criteria.
by femur
Tue Apr 23, 2013 10:17 am
 
Forum: Personal Consumer Issues
Topic: any suggestions on a ccw [Concealed Carry Weapon]
Replies: 92
Views: 6046

Re: 3-fund portfolio twice?

scorp wrote:
But no matter what, contribute as much as possible to the 401K.

Is the reason for this to reduce my taxable income throughout my career?


Not the only reason. If you pack your 401k full of money it also grows tax free.
by femur
Tue Apr 16, 2013 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3-fund portfolio twice?
Replies: 15
Views: 1324

Re: 3-fund portfolio twice?

>>> It's very easy to withdraw from a 401k before age 60 without penalty Oh, I wasn't aware of this? How? I know of at least three ways. 1. Use the rule 72t ( Source ) 2. You can roll it into an IRA and take 10 grand out for a home ( Source ) 3. Convert it to a Roth IRA, wait 5 years, then take out...
by femur
Tue Apr 16, 2013 2:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3-fund portfolio twice?
Replies: 15
Views: 1324

Re: Newbie question about Vanguard Fund

[Really surprised that nisiprius was familiar with my moniker -- wow. I've been using it all over the internet for years and this is the first time someone mentioned that they recognized the historical reference. Yes, they were the good brothers -- the John and Robert Kennedy of their day -- right ...
by femur
Sun Apr 14, 2013 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie question about Vanguard Fund
Replies: 16
Views: 1357

Re: Portfolio Review/401k Advice - Age 29

Greetings, I think it might be prudent to consolidate some of your 401k holdings. This will help keep your costs down (your 401k options are terrible!) and can keep you aligned with your desired asset allocation. Kudos for making use of Vanguards wonderful Target Retirement Funds. How about this for...
by femur
Tue Mar 19, 2013 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review/401k Advice - Age 29
Replies: 4
Views: 1029

Re: Never Want To Take Out A Loan Again.

Greetings, If you are willing to do a little work and a good deal of research, it is not too hard to clean up your credit reports. I would recommend heading over to this website: http://creditboards.com/forums/ Therein is a great deal of information about how credit works and how you can improve you...
by femur
Wed Feb 27, 2013 12:15 pm
 
Forum: Personal Consumer Issues
Topic: Never Want To Take Out A Loan Again.
Replies: 110
Views: 7454

Re: Individual Disability Insurance Questions

I am also a healthy IT worker in TX and had a similar issue with Guardian. I found myself with a less than great offer due to a previous medical issue. Although Guardian coverage is better I was able to get a great policy with The Standard after working with an agent to get several quotes from some ...
by femur
Fri Feb 22, 2013 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Individual Disability Insurance Questions
Replies: 12
Views: 703

Re: definition of a Really Bad Day?

livesoft (a member of the forum) has indicated there is a mathmatical way to determine if it is a RBD (really bad day) or not. Usually when the market is down more than 3%, I log into the forum to see if anybody is talking about a RBD. Here is an example from 2011: http://www.bogleheads.org/forum/vi...
by femur
Thu Feb 21, 2013 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: definition of a Really Bad Day?
Replies: 28
Views: 2110

Re: Can I stop saving and just coast now? (Early retirement)

I think you might find that if you left the post up for a while you might get some more serious analysis, one that takes more than a few minutes. I was trying to work on one when you removed the data. I apologize for any time you may have lost while trying to reply. Thank you for the feedback you d...
by femur
Wed Feb 20, 2013 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I stop saving and just coast now? (Early retirement)
Replies: 38
Views: 2889

Re: Can I stop saving and just coast now? (Early retirement)

Sidney wrote:How much of the $30K is health care?


This is a good point. I currently pay nothing for health insurance since I work for the state. How much would health insurance (high deductible) be for a single 50 year old with no health issues?
by femur
Wed Feb 20, 2013 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I stop saving and just coast now? (Early retirement)
Replies: 38
Views: 2889

Re: Can I stop saving and just coast now? (Early retirement)

Grt2bOutdoors wrote:No. You have to keep working until at least 55-57 or you hit the lottery, which ever comes first.
If you get married or have a family - all bets are off.



Can you expand on your reasoning? I do not plan on having a family.
by femur
Wed Feb 20, 2013 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I stop saving and just coast now? (Early retirement)
Replies: 38
Views: 2889

Re: Can I stop saving and just coast now? (Early retirement)

2stepsbehind wrote:No. Keep on saving.


Can you expand on your reasoning?
by femur
Wed Feb 20, 2013 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I stop saving and just coast now? (Early retirement)
Replies: 38
Views: 2889

Can I stop saving and just coast now? (Early retirement)

Edit: I have found most of the responses to my question curt, rude, and unhelpful. As such, I am abandoning this thread. I've been on this forum for a couple years and have not seen this type of reaction to a thread before. I think I will go back to the sidelines for a while and watch other people ...
by femur
Wed Feb 20, 2013 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I stop saving and just coast now? (Early retirement)
Replies: 38
Views: 2889

Re: Finally arrived: The Vanguard Total International Bond F

hlfo718 wrote:Wonder why they are hedging the FX for the bond fund?


To eliminate (or reduce) currency risk. Investors looking to international bonds want the benefits of diversifying country risk and interest rate risk, but don't want currency risk.

Swedroe talks about this in his (very good) bond book.
by femur
Wed Feb 06, 2013 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 20248

Re: Finally arrived: The Vanguard Total International Bond F

WHL wrote:so, should our 3-fund portfolios now be changed to a 4-fund portfolio? :mrgreen:


Or now a 5-fund if you already split between TBM and TIPS? :D
by femur
Wed Feb 06, 2013 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 20248

Finally arrived: The Vanguard Total International Bond Fund

from: https://personal.vanguard.com/us/insights/article/fund-announcement-02062013?z_rl=FB15002&utm_content=sf165080&utm_medium=spredfast&utm_source=facebook&utm_campaign=Personal+Investor&sf165080=1 To help add diversity to your portfolio, we're introducing Vanguard Total Intern...
by femur
Wed Feb 06, 2013 11:25 am
 
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 20248

Re: How much money do you keep in your regular checking/savi

I keep over 20k because I am able to earn 2.5% in my Rewards Checking account. For anybody in the Houston area, I strongly recommend this local bank:

http://texascitizensbank.com/rates.aspx#dep
by femur
Fri Jan 18, 2013 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much money do you keep in your regular checking/savings?
Replies: 77
Views: 6275

Re: umbrella policy

Now I am wondering why I am still carrying this. My home owners policy has a 300k rider. Should this not be sufficient ? On the way to the Grocery store tomorrow, you get in a fender-bender. It is a 2011 Mercedes; the driver is an anesthesiologist at the hospital right down the road and his wife, a...
by femur
Mon Jan 14, 2013 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: umbrella policy
Replies: 23
Views: 1945

Re: Buy XD9 local or online for best price?

I want to buy a Springfield Amory XD9. Locally it's about $670 plus state tax. Cool! Have you shot one before? Guns are a lot like cars; it makes good sense to take a "test drive" before you buy. It is often possible to rent a particular model gun at a range if you wish. I have read threa...
by femur
Sun Dec 16, 2012 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Buy XD9 local or online for best price? [Pistol]
Replies: 9
Views: 887

Re: Expense Ratios

It is automatically calculated for me on my spreadsheet that I keep.

The ER of my portfolio is at this very moment: 0.1233%
by femur
Sat Dec 01, 2012 11:57 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratios
Replies: 62
Views: 4378

Re: Dear Bogleheads - time to pony up

LadyGeek wrote:OK, it's back in the Investing - Theory, News & General forum.


Thanks! :)
by femur
Sat Nov 03, 2012 7:29 pm
 
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 14816

Re: Dear Bogleheads - time to pony up

Moving it back would be my preference as well. I often don't visit this sub board for weeks. Many others may not visit it at all. Most of us visit the investing sub board. We need to get maximal impact when this is salient in the minds of readers, we can all see the devastation of NJ right on our T...
by femur
Sat Nov 03, 2012 7:00 pm
 
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 14816

Re: Dear Bogleheads - time to pony up

I do not use paypal and have no wish to get involved with it. Are there alternative mechanisms of providing support? Yes. As listed in the link that was posted above: http://www.bogleheads.org/support.htm#donate Checks should be made out to "Gostynska Frakt, Ltd." and sent to: Gostynska F...
by femur
Sat Nov 03, 2012 6:12 pm
 
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 14816

Re: Dear Bogleheads - time to pony up

I just chipped in over paypal.

Considering that the bogleheads have contributed so much to the well being of myself and my family, I can think of no cause more deserving of my money.

I hope others will continue to donate!
by femur
Sat Nov 03, 2012 6:01 pm
 
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 14816

Re: Social Security Question

Case II: since 571 is less than 791, the PIA is $513 (0.9 x 571) Case II: since 1250 is more than 791, the PIA is $660 (513 + 147, the latter being 0.32 x the excess of 1250 over 791) This is a fascinating example! I was very surprised at how small of an effect the zero-earnings years had on the PI...
by femur
Wed Oct 24, 2012 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Question
Replies: 13
Views: 972

Re: Best Social Security Simulation Software Recommendation?

pshonore wrote:The best software for estimating your benefit and doing "what-ifs" ($0 years, etc) is the Anypia software available at the SS website. That won't help you with different claiming scenarios though which can be easily done in Excel.


Awesome answer. Thanks!
by femur
Tue Oct 16, 2012 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Best Social Security Simulation Software Recommendation?
Replies: 8
Views: 501

Re: Best Social Security Simulation Software Recommendation?

If you are savy with Excel, you can get all the formulas on the SS website. I am alright with excel, I was hoping for a more sophisticated software product. You can also access your SS statement online and use it to get your earning history and to check your spreadsheet calculation for anticipated ...
by femur
Tue Oct 16, 2012 11:35 am
 
Forum: Investing - Theory, News & General
Topic: Best Social Security Simulation Software Recommendation?
Replies: 8
Views: 501

Best Social Security Simulation Software Recommendation?

Greetings, I was wondering if any members (I know sscritic is so very knowledgeable) could recommend a social security software product (preferably free) that would allow me to enter data and calculate my monthly benefit given the different variables such as: -earnings history -future earnings scena...
by femur
Tue Oct 16, 2012 11:16 am
 
Forum: Investing - Theory, News & General
Topic: Best Social Security Simulation Software Recommendation?
Replies: 8
Views: 501

Re: Is contributing to a (non-government) 457(b) worth it?

Risk of losing money if my employer goes bankrupt


That right there is the dealbreaker for me. I contribute to a 457(b) only because it is with a state government (Texas). I personally would not consider contributing to a non-governmental 457.
by femur
Wed Sep 26, 2012 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is contributing to a (non-government) 457(b) worth it?
Replies: 8
Views: 781

Re: Understanding the Gen Y investor.

I am a member of the generation and most of my friends are are also Gen Y. I could classify my risk tolerance as fairly normal; I have 9-months expenses in my Emergency Fund and follow the age-in-bonds adage. Many of my friends follow similar principles. I would say, however, that this view which is...
by femur
Mon Sep 24, 2012 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Understanding the Gen Y investor.
Replies: 15
Views: 1861

Re: [Facebook Quote from Vanguard's] Bill McNabb to Boglehea

As i mentioned in the other thread, I am thrilled that Mr McNabb answered 2 of my questions and thanked me by name:


Image


8-)
by femur
Thu Sep 13, 2012 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Facebook Quote from Vanguard's] Bill McNabb to Bogleheads
Replies: 7
Views: 1184
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