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First time exposure to Dan Weiner's "1%"

My father forwarded me a solicitation email from Dan Weiner and it was entitled "the 1%." It is a little vague as I understand it is meant to be given that he wants to sell a subscription. The gist of it is that supposedly Vanguard has certain funds that the average Joe Investor cannot fin...
by gsgarcia1
Sun Jan 19, 2014 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: First time exposure to Dan Weiner's "1%"
Replies: 16
Views: 3175

Re: 30 year old needs help with investing...

Chips, This is only my second post to this site (but I have posed many questions about my own allocation). Congrats on the no debt, potentially getting married, and the work you have done thus far in your retirement planning. I just exited the Marine Corps last February after 9 years and as I exited...
by gsgarcia1
Sat Jan 04, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30 year old needs help with investing...
Replies: 5
Views: 732

Re: 3 core portfolio questions/suggestions?

Hoppy,

Never replied to this a while back, but thanks for the input. Interesting to see the LIfe Cycle's take on the F Fund/G fund allocation.

I just joined the Reserves so I will once again have access to my TSP. Hooray for me!

Thanks
by gsgarcia1
Fri Jan 03, 2014 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: 3 core portfolio questions/suggestions?
Replies: 2
Views: 620

Should asset allocation include mine and my wife's

Hello All, Just had a quick question. When looking at my asset allocation between my TSP, 401k and ROTH IRA, I use the AA provided for in the VG Target Fund 2045 as my guide as this coincides with my planned retirement age. I substitute the Admiral shares for the Investor shares with the Total Stock...
by gsgarcia1
Thu Jan 02, 2014 10:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should asset allocation include mine and my wife's
Replies: 2
Views: 291

3 core portfolio questions/suggestions?

When I first started to invest with Vanguard in 2006 I simply invested in the Target Fund 2040. As i self educated and have become a fan/poster on this website, I have made some improvements over the years. I plan to still use the Target fund as a guide to adjust my allocations over time, but now I ...
by gsgarcia1
Sun Oct 13, 2013 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 core portfolio questions/suggestions?
Replies: 2
Views: 620

Gross Expense Ratio v. Net Asset fees

I just need a quick double check on something, please. I am helping my father in law with consolidating his two 403b's and one 457 into a simpler plan, likely with VG. One of his 403b's is administered by Nationwide and I want to make sure I am reading this correctly: American Funds Growth Fund Amer...
by gsgarcia1
Sat Jun 29, 2013 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Gross Expense Ratio v. Net Asset fees
Replies: 1
Views: 403

Re: Asset Protection (401k, Roth, 403b, 457)

Thank you everyone for your suggestions and contributions. It looks like the 401k is the only iron clad asset protection, especially in California. Slowandsteadyone's point is well taken in realistically achieving two of the three goals. My father in law has two 403b's and a 457. Each charges ridicu...
by gsgarcia1
Mon Jun 03, 2013 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Asset Protection (401k, Roth, 403b, 457)
Replies: 11
Views: 1742

Re: Asset Protection (401k, Roth, 403b, 457)

His company is an LLC. Does that mean his personal assets are protected if someone "sues him for all he's worth? Am I correct in understanding that the ERISA protection would still apply if we consolidated his accounts in a Rollover IRA? I believe this is true and would apply to the rolled over...
by gsgarcia1
Mon Jun 03, 2013 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Asset Protection (401k, Roth, 403b, 457)
Replies: 11
Views: 1742

Asset Protection (401k, Roth, 403b, 457)

Hello All, I am helping my father in law consolidate his old 401k's, 403b, and 457 into one or two accounts (likely Vanguard) that are not charging him exorbitant fees combined with substandard returns. I am currently working with him to identify his risk tolerance and Asset allocation. He was a tea...
by gsgarcia1
Sun Jun 02, 2013 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Asset Protection (401k, Roth, 403b, 457)
Replies: 11
Views: 1742

Help with Extra Cash

Hey everyone, I am reposting an earlier entry in hopes to get some more feedback on my question #3 (relating to the extra cash). As suggested, with respect to numbers 1 and 2, I have exchanged my international exposure from my TSP to Vanguard's International Index fund. Thank you. ------------------...
by gsgarcia1
Mon Mar 25, 2013 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Extra Cash
Replies: 2
Views: 276

3 Core Portfolio and Extra Cash

Hello All, Had a few questions that I am hoping to get some feedback on/sanity check. I posted a while back and my portfolio got torn up, but I really appreciated the honesty and have since educated myself about the 3 and 4 core portfolio and I have gone with the 3 Core, although I would welcome inp...
by gsgarcia1
Sat Mar 16, 2013 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Core Portfolio and Extra Cash
Replies: 2
Views: 520

Re: Help With VTSAX, VFIAX, VEXAX [Compare to TSP]

Oh you Aviators... always have to complicate things!! HA. I have never had the "pleasure" of knowing about that rule but sounds like you are on top of it. Again, best of luck with the deployment!
by gsgarcia1
Sat Mar 02, 2013 3:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With VTSAX, VFIAX, VEXAX [Compare to TSP]
Replies: 13
Views: 1113

Re: Help With VTSAX, VFIAX, VEXAX [Compare to TSP]

NotoriousFinch, I, myself just joined the forum about 9 months ago and I am a veteran as of yesterday. I wanted to bring up two quick points in relation to this thread: 1) (I am not meaning to be insulting, but I don't know your rank or # of deployments, MOS, etc). Are you familiar with the Savings ...
by gsgarcia1
Sat Mar 02, 2013 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With VTSAX, VFIAX, VEXAX [Compare to TSP]
Replies: 13
Views: 1113

Re: Baby/first house/life insurance/retirement planning

All, I was going to create a new post, but I wanted to keep the same thread for the simple fact that I found it pretty entertaining to go back and read my original post and realize how much I have grown from it (and truthfully how dumb some of my ideas were , specifically WL insurance and possibly w...
by gsgarcia1
Tue Feb 05, 2013 4:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Baby/first house/life insurance/retirement planning
Replies: 21
Views: 2356

Re: San Diego Bogleheads Meeting Monday, January 28

Barbara,

Sorry I could not make the January meeting. Life got in the way :) I am finally settled in the SD area and was curious if there is a meeting set for Feb or when the next one might be? Thank you
by gsgarcia1
Tue Feb 05, 2013 3:45 am
 
Forum: Local Chapters and Bogleheads Community
Topic: San Diego Bogleheads Meeting Monday, January 28
Replies: 7
Views: 751

Re: Baby/first house/life insurance/retirement planning

Just wanted to send out a quick update. I surrendered my WL policy and will be replacing it with term (I am still covered by the military for another month for 400k. I think it was hard for me to pull the trigger because 1) my cousin sold me the policy and was trying to believe he had my best intere...
by gsgarcia1
Tue Jan 22, 2013 2:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Baby/first house/life insurance/retirement planning
Replies: 21
Views: 2356

Re: San Diego Bogleheads Meeting Monday, January 28

Is there a membership or anything associated with attendance? I am finally living back in the SD area and would love to attend and is there a certain agenda or is it more of a free flow setting?

Thanks
by gsgarcia1
Fri Jan 18, 2013 4:59 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: San Diego Bogleheads Meeting Monday, January 28
Replies: 7
Views: 751

Re: ZIPcar stock

Thanks Outdoors, That is what I was suspecting. I don't suppose there are any best practices when being a shareholder during a buyout (ie-reinvesting within a certain amount of days to avoid the capital gains, etc)? Some of my shares are short and some are long term gains. And no, I do not hold thes...
by gsgarcia1
Sat Jan 05, 2013 2:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: ZIPcar stock
Replies: 4
Views: 300

Re: ZIPcar stock

It just talks about the announcement of AVIS to buy ZIP for the aforementioned values. It does say that AVIS will buy it "in cash." It will be completed in Spring pending shareholder approval.
by gsgarcia1
Sat Jan 05, 2013 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: ZIPcar stock
Replies: 4
Views: 300

ZIPcar stock

I believe this to be a relatively simple stock question: I own about 400 shares of ZIPcar. With the recent announcement of AVIS purchasing ZIP car for ~$500 ($12.25/share and the deal closing in Spring of 2012), how will that affect my ZIP shares? Will they remain ZIP shares when ZIPcar begins to op...
by gsgarcia1
Sat Jan 05, 2013 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: ZIPcar stock
Replies: 4
Views: 300

Re: Marine Officer looking to transition into Finance

Once again, thank you to all of you that are contributing to this thread. Jason, I feel your pain on the topic of seeing Marines and soldiers get screwed by companies that charge extraordinarily high fees. I just finished up Company Command in the Infantry, which means I was in charge of 190 Marines...
by gsgarcia1
Wed Dec 05, 2012 7:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marine Officer looking to transition into Finance
Replies: 16
Views: 1615

Re: Marine Officer looking to transition into Finance

Thank you all for the replies thus far. Mel, thanks for bringing Rick into the thread, and Semper Fi: It was encouraging to read. That is exactly the type of path I would see myself going down. I know there may be necessary hurdles on the front end as Rick mentioned, but I welcome the challenges for...
by gsgarcia1
Thu Nov 29, 2012 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marine Officer looking to transition into Finance
Replies: 16
Views: 1615

Marine Officer looking to transition into Finance

Hello everyone, I am looking to make my transition into the civilian sector and the path that has captured my attention is Financial Advising and eventually Certified Financial Planner. I have always had a passion for finance as well as helping the Marines that I was in charge of to make good decisi...
by gsgarcia1
Thu Nov 29, 2012 12:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marine Officer looking to transition into Finance
Replies: 2
Views: 347

Marine Officer looking to transition into Finance

Hello everyone, I am looking to make my transition into the civilian sector and the path that has captured my attention is Financial Advising and eventually Certified Financial Planner. I have always had a passion for finance as well as helping the Marines that I was in charge of to make good decisi...
by gsgarcia1
Thu Nov 29, 2012 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marine Officer looking to transition into Finance
Replies: 16
Views: 1615

Re: Baby/first house/life insurance/retirement planning

Everyone who has contributed thus far, Thank you very very much for your points and opinions. No one need worry, being in the Marines I have developed incredibly thick skin. That IS exactly the reason I came to this forum and I value everyone's opinion. I like to think I have a decent handle on thin...
by gsgarcia1
Mon Nov 05, 2012 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Baby/first house/life insurance/retirement planning
Replies: 21
Views: 2356

Baby/first house/life insurance/retirement planning

I am a 33 yr old about to make my transition out of the military after 8 years, with a baby on the way, and potential purchase of a new home in Texas in support of my civilian job in Feb. I BELIEVE I am set up smartly across my investments, but I wanted to put my options/plan out here and see if any...
by gsgarcia1
Sun Nov 04, 2012 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Baby/first house/life insurance/retirement planning
Replies: 21
Views: 2356

Re: Retirement Investing with REIT?

Hoppy, absolutely this helps. Much, much appreciated. And there is no confusion on the taxation of distribution, I just misused terminology. I understand that you get taxed at a given tax rate (meaning pulling out 100K in one year= 100K of taxable income). I will check out the links that you recomme...
by gsgarcia1
Sun Sep 02, 2012 6:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Investing with REIT?
Replies: 11
Views: 1655

Re: Retirement Investing with REIT?

Hoppy, you bring up an interesting point. I guess my thought process was to roll it over into an "active" account (Vanguard Roth or IRA) as opposed to leaving it dormant without adding additional monies. I completely understand the incredible low expense fees with the TSP and that is obvio...
by gsgarcia1
Sun Sep 02, 2012 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Investing with REIT?
Replies: 11
Views: 1655

Re: Retirement Investing with REIT?

There is a significant portion that I have left out of my first post, and I don't know what I did not bring it up. Everything I mentioned with respect to Vanguard (all of it is currently in a ROTH) only applies to about 1/2 of my retirement investing. I am in the Marines and as such have utilized th...
by gsgarcia1
Sun Sep 02, 2012 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Investing with REIT?
Replies: 11
Views: 1655

Re: Retirement Investing with REIT?

Thank you all for your input. This is exactly why I posted. I think it is correct that I am, currently, limiting my exposure large caps and to US-stocks only. I will diligently research everything that has been presented to me and find something that suits me in a 3 or 4 core portfolio. I think I ha...
by gsgarcia1
Sun Sep 02, 2012 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Investing with REIT?
Replies: 11
Views: 1655

Retirement Investing with REIT?

I have been reading about and investing with Vanguard for some time now, and I like to think that I have exercised a pragmatic approach to my retirement planning. I understand the benefits of index funds and not being led astray into "hot" mutual fund or stock of the minute, so I went with...
by gsgarcia1
Sat Sep 01, 2012 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Investing with REIT?
Replies: 11
Views: 1655

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