Search found 741 matches

by gvsucavie03
Sat Aug 29, 2015 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: 26 Year Old Vanguard Seeking Investment Critique / Advice
Replies: 2
Views: 134

Re: 26 Year Old Vanguard Seeking Investment Critique / Advice

Look up the template on how to post your personal portfolio...
by gvsucavie03
Sat Aug 29, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 13
Views: 582

Re: Is this 401(k) even worth it?

If you make less than $89,000 mfj, Trad IRA might be better if there isn't a match.
by gvsucavie03
Sat Aug 29, 2015 5:28 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 13
Views: 582

Re: Is this 401(k) even worth it?

Is there a match?
by gvsucavie03
Thu Aug 27, 2015 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Policy options for Large Group health ins policy
Replies: 16
Views: 809

Re: Policy options for Large Group health ins policy

What a complicated situation, more so because of all the government levels involved. Still my simple view understanding is that you're going to have to shell out $1566 more a year for same coverage, and even with the higher deductible reduced amount of $1200, you're still paying several hundred mor...
by gvsucavie03
Wed Aug 26, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: Has anyone actually used gold or silver coins for a purchase?
Replies: 57
Views: 3189

Re: Has anyone actually used gold or silver coins for a purchase?

Hmm... I search Bogle, I search Ferri, I search Larimore, etc., etc.,

Not one recommendation for gold...

I search other, perhaps wiser, Bogleheads.... seem to turn the other cheek.

Hmm... I guess I'm glad I don't live in Argentina.
by gvsucavie03
Wed Aug 26, 2015 9:14 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Help Me Understand His Investing Strategy
Replies: 75
Views: 8186

Re: Dave Ramsey - Help Me Understand His Investing Strategy

There was an MP3 making the rounds a year or two ago of a caller who did get through and really challenge Dave on his mutual fund performance. It was amazing how defensive and almost furious Dave got. Probably the Motley Fool contributor... Dave bit his head off for no reason and really belittled h...
by gvsucavie03
Wed Aug 26, 2015 7:11 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Help Me Understand His Investing Strategy
Replies: 75
Views: 8186

Re: Dave Ramsey - Help Me Understand His Investing Strategy

I deleted my last response after watching the video more closely... I Googled Chicago Mercantile Exchange... which is legit. http://www.investopedia.com/terms/c/cme.asp . Learned something new... He actually did a decent analysis of when it would ever make sense to buy a loaded fund (if the ER's of...
by gvsucavie03
Tue Aug 25, 2015 8:16 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Help Me Understand His Investing Strategy
Replies: 75
Views: 8186

Re: Dave Ramsey - Help Me Understand His Investing Strategy

I deleted my last response after watching the video more closely... I Googled Chicago Mercantile Exchange... which is legit. http://www.investopedia.com/terms/c/cme.asp . Learned something new... He actually did a decent analysis of when it would ever make sense to buy a loaded fund (if the ER's of ...
by gvsucavie03
Tue Aug 25, 2015 5:11 pm
Forum: Personal Consumer Issues
Topic: Has anyone actually used gold or silver coins for a purchase?
Replies: 57
Views: 3189

Re: Has anyone actually used gold or silver coins for a purchase?

A gentleman wrote a book about the collapse in Argentina, and he indicated that gold or silver coins were useful in that situation. I would love to know the name and author of this book as it would be the only example of a failed economy using gold as a means of exchange since the fall of the Roman...
by gvsucavie03
Mon Aug 24, 2015 9:57 pm
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 88
Views: 11847

Re: Stacked up some more silver bullion today

Aaaannd still not buying silver.... Or gold.... Or any speculative, emotion-based/biased investments.

I still don't understand how this fits into anything I've ever read from Bogle, Taylor, Mel, Rick, or anyone that we are supposedly following about investment philosophy.
:confused
by gvsucavie03
Sun Aug 23, 2015 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification about the 5% "play money" thing...
Replies: 12
Views: 576

Re: Clarification about the 5% "play money" thing...

One thing I see commonly mentioned here is to take 5% of ones money and put it into something interesting or whatever. I did this coming up on 4 years ago, and wrote it into my IPS. Since then, I've rebalanced into this portion of my portfolio 3 times (on my birthday, as per my IPS). I just added i...
by gvsucavie03
Sun Aug 23, 2015 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Policy options for Large Group health ins policy
Replies: 16
Views: 809

Re: Policy options for Large Group health ins policy

Our policy includes Dental, Vision, disability, small amount of life and accidental death. Pretty sure we can't do COBRA. I'm not saying you would get the exact same plan. I'm pointing out that the full premium (completely unsubsidized by the employer) for an HMO may be less than you expect, so it'...
by gvsucavie03
Sun Aug 23, 2015 5:18 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Help Me Understand His Investing Strategy
Replies: 75
Views: 8186

Re: Dave Ramsey - Help Me Understand His Investing Strategy

One funny thing I heard him say in his broadcast is recommending "balanced" funds because they are less risky than the actual stock market and that he has purchased balanced funds for short-term investments. In the same spiel, he started out by saying that he'd never own a bond fund becaus...
by gvsucavie03
Sun Aug 23, 2015 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Policy options for Large Group health ins policy
Replies: 16
Views: 809

Re: Policy options for Large Group health ins policy

Maybe, haven't looked into PPO/HMO options. My thought - much less coverage, a lot more expense. That's why we went with the High-Deductible HSA in the first place. I wouldn't jump to this conclusion so fast. It would be irresponsible of you to not do some research into it. Edit: I looked on the Un...
by gvsucavie03
Sun Aug 23, 2015 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Policy options for Large Group health ins policy
Replies: 16
Views: 809

Re: Policy options for Large Group health ins policy

I'm inclined to say go for the higher deductible if their share of the premium is lower than what they pay this year . I have a feeling that people will react negatively if they pay more than what they currently pay but are getting a worse plan. They won't know that they're still paying less than t...
by gvsucavie03
Sun Aug 23, 2015 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Policy options for Large Group health ins policy
Replies: 16
Views: 809

Re: Policy options for Large Group health ins policy

In some areas, HMOs - such as Kaiser - offer among the lowest cost plans (taking into account premiums, copays and deductibles). Are any of such plans available in your area? Maybe, haven't looked into PPO/HMO options. My thought - much less coverage, a lot more expense. That's why we went with the...
by gvsucavie03
Sun Aug 23, 2015 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Policy options for Large Group health ins policy
Replies: 16
Views: 809

Re: Policy options for Large Group health ins policy

sawhorse wrote:Are co pays and out of pocket maximum the same?


It's the exact same policy... just a higher deductible (and obviously a lower total cost)
by gvsucavie03
Sun Aug 23, 2015 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Policy options for Large Group health ins policy
Replies: 16
Views: 809

Re: Policy options for Large Group health ins policy

I noticed you said that your group rate is increasing 9.5% but employee premiums are increasing 37%. Is one of those numbers wrong? No. 9.5% increase for the entire cost of the plan (a total of $22,000 per year for full family). The district cap (maximum what they can pay by law) only went up 2.5% ...
by gvsucavie03
Sat Aug 22, 2015 9:17 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1200
Views: 576729

Re: Why not Total World + Total Bond Market?

Taylor Larimore wrote:ETF shares: Unlike Total Stock Market and Total International, Total World has no ETF shares


This is the only major thing that has changed to my knowledge (since you did write it 3 years ago....)

It does not offer Admiral Shares of the mutual fund.
by gvsucavie03
Sat Aug 22, 2015 8:51 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1200
Views: 576729

Re: The Three Fund Portfolio

It's funny you mention Rick Ferri. His most recent blog post is about exactly this issue. His Should You Own Foreign Stocks? conclusion? Industry diversification is where Bogle’s view on forgoing direct foreign stock exposure may break down. Some industries can export more easily and other industri...
by gvsucavie03
Sat Aug 22, 2015 6:03 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1200
Views: 576729

Re: The Three Fund Portfolio

We use the 2 ETF portfolio. Vanguard total world equity automatically decides our USA vs non-USA equity allocation. It makes investing even simpler vs the 3 fund portfolio. Taylor, might you one day simplify even further to Vanguard Total World + Total Bond Market? This has also been discussed on t...
by gvsucavie03
Sat Aug 22, 2015 8:58 am
Forum: Investing - Help with Personal Investments
Topic: A year with Bogleheads! Update and Thanks
Replies: 19
Views: 1911

Re: A year with Bogleheads! Update and Thanks

I'd read the book (BH Guide to Investing), then write an Investment Policy Statement...

http://www.bogleheads.org/wiki/Investment_policy_statement
by gvsucavie03
Sat Aug 22, 2015 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Just confirming....."stay the course"?
Replies: 53
Views: 5906

Re: Just confirming....."stay the course"?

Is it wise to rebalace when the market drops or should you wait and do your annual rebalancing. I asume the market could just back nest week and then you would have to rebalance again. Also, what is considered a good drop (how many points) to add to your stocks buy that is with cash from fixed acco...
by gvsucavie03
Sat Aug 22, 2015 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Just confirming....."stay the course"?
Replies: 53
Views: 5906

Re: Just confirming....."stay the course"?

http://www.vanguard.com/pdf/icrpr.pdf Read this. Annual/semi-anual rebalancing is fine. More often (quarterly, monthly, bands) creates more in fees and taxes, but it sounds like yours is all in tax-deferred accounts. My IPS states that 5%+/- is a trigger or 25% beyond original allocation, but all o...
by gvsucavie03
Fri Aug 21, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1200
Views: 576729

Re: The Three Fund Portfolio

Wow, very surprising. Great information, great article! Thank you for sharing!
by gvsucavie03
Fri Aug 21, 2015 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Policy options for Large Group health ins policy
Replies: 16
Views: 809

Re: Policy options for Large Group health ins policy

A bump and perhaps a more simplified/shorter question.... We currently have an HSA with a 1300/2600 deductible (paid by the school district). The rate is going way up this year and we are basically going to pay 37% more out of pocket. I want to see if going with the next tier in the exact same plan ...
by gvsucavie03
Fri Aug 21, 2015 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - HSA [Health Savings Account]
Replies: 18
Views: 1070

Re: Investment Advice - HSA [Health Savings Account]

Do you think an ER of .72 is really that bad? I pay a composite ER of about .41%, which I know is not super-Boglehead low, but again, in my situation if I transferred out of Health Equity, my fees would be about the same or more. Google a compound interest calculator.... Put in your annual addition...
by gvsucavie03
Thu Aug 20, 2015 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - HSA [Health Savings Account]
Replies: 18
Views: 1070

Re: Investment Advice - HSA [Health Savings Account]

I used to be with Health Savings Administrators, but I found the interface between the "bank" and the "investments" frustrating. So I am now with Wells Fargo using a Target Date 2050 fund. The ER is .72, but I'll pay that for the user friendly operation. So you're paying a trans...
by gvsucavie03
Thu Aug 20, 2015 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - HSA [Health Savings Account]
Replies: 18
Views: 1070

Re: Investment Advice - HSA [Health Savings Account]

I used to be with Health Savings Administrators, but I found the interface between the "bank" and the "investments" frustrating. So I am now with Wells Fargo using a Target Date 2050 fund. The ER is .72, but I'll pay that for the user friendly operation. So you're paying a trans...
by gvsucavie03
Thu Aug 20, 2015 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - HSA [Health Savings Account]
Replies: 18
Views: 1070

Re: Investment Advice - HSA [Health Savings Account]

I used to be with Health Savings Administrators, but I found the interface between the "bank" and the "investments" frustrating. So I am now with Wells Fargo using a Target Date 2050 fund. The ER is .72, but I'll pay that for the user friendly operation. So you're paying a trans...
by gvsucavie03
Thu Aug 20, 2015 8:38 pm
Forum: Investing - Theory, News & General
Topic: some nice Warren Buffett words of wisdom
Replies: 3
Views: 693

Re: some nice Warren Buffett words of wisdom

These are great. The gold quote on page 2 of the article really sets a nice perspective from someone who truly has the perspective...
by gvsucavie03
Thu Aug 20, 2015 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - HSA [Health Savings Account]
Replies: 18
Views: 1070

Re: Investment Advice - HSA [Health Savings Account]

HSA would be better than a TIRA/401(k) if fees and fund choices are both excellent... The HSA lowers your FICA taxes when done with payroll deduction. Your TIRA/401(k) does not lower FICA taxes withheld. And HSA fees and fund choices are always good. Like an IRA, you can hold your HSA with any prov...
by gvsucavie03
Thu Aug 20, 2015 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Policy options for Large Group health ins policy
Replies: 16
Views: 809

Policy options for Large Group health ins policy

I am the treasurer of our local teacher's union (about 100 members) and we are going to have a very high increase in our current insurance. Our group rate increased 9.5% over last year (we had two people lose their battles to cancer and we generally have a sick and young staff having babies, etc). T...
by gvsucavie03
Thu Aug 20, 2015 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - HSA [Health Savings Account]
Replies: 18
Views: 1070

Re: Investment Advice - HSA [Health Savings Account]

HSA would be better than a TIRA/401(k) if fees and fund choices are both excellent... The HSA lowers your FICA taxes when done with payroll deduction. Your TIRA/401(k) does not lower FICA taxes withheld.
by gvsucavie03
Wed Aug 19, 2015 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Advice - HSA [Health Savings Account]
Replies: 18
Views: 1070

Re: Investment Advice - HSA

indexonlyplease wrote:What is HSA?. I have read this many times.


Google says "Health Savings Account" :wink:
by gvsucavie03
Wed Aug 19, 2015 8:53 am
Forum: Investing - Theory, News & General
Topic: How many here follow Bogle's "no international" theory?
Replies: 82
Views: 4992

Re: How many here follow Bogle's "no international" theory?

His no international theory seems to stem from his belief that the US Economy is inherently better than the international economy. I don't share that belief to be honest, especially when you look at how other developed countries have leapfrogged us in terms of education, healthcare and regulations ...
by gvsucavie03
Tue Aug 18, 2015 3:54 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Help Me Understand His Investing Strategy
Replies: 75
Views: 8186

Re: Dave Ramsey - Help Me Understand His Investing Strategy

gasdoc wrote:DR quotes a return of 12% on his investments. Vanguard, on the other hand, projects only returns of 5-6% on equities and 2-3% on bonds. I guess that means DR's ELP's are "adding value!" :shock:

gasdoc


LOL... Try calling Dave on the air and tell him that :twisted:
by gvsucavie03
Mon Aug 17, 2015 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: A year with Bogleheads! Update and Thanks
Replies: 19
Views: 1911

Re: A year with Bogleheads! Update and Thanks

Thanks gvsucavie03, I read the three fund thread and I read the thread below that popped up yesterday. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=171752&newpost=2591034 I am still on close to the same path as I was before, but I cut way down on my small cap value allocation and I...
by gvsucavie03
Sun Aug 16, 2015 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: 401K vs Taxable Acct.
Replies: 18
Views: 1895

Re: 401K vs Taxable Acct.

Jerry55 wrote:VANGUARD EE BENEFIT INDEX FD (S & P 500 Index)

https://personal.vanguard.com/us/funds/ ... IntExt=INT


Gold. Score. Mucho $$$ here. With a match, too!! :sharebeer
by gvsucavie03
Sun Aug 16, 2015 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Why Roth over Deductible Trad IRA?
Replies: 21
Views: 2052

Re: Why Roth over Deductible Trad IRA?

Still haven't seen on this thread if you qualify for a fully deductible TIRA... That changes the equation... I expect to qualify for the full deduction. Married filing jointly, AGI under $98K, FYI. Look at last year's 1040.. The line on page 2 where you figure your yearly tax owed ("Tax")...
by gvsucavie03
Sun Aug 16, 2015 5:00 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Help Me Understand His Investing Strategy
Replies: 75
Views: 8186

Re: Dave Ramsey - Help Me Understand His Investing Strategy

RandomPointer wrote:
darkhorse346 wrote:Hard to say he's not being consistent. BTW, Dave has a lot of money in the Vanguard 500 Index fund in a taxable account.


Source?


He's said it on the air several times...
by gvsucavie03
Sun Aug 16, 2015 12:22 pm
Forum: Investing - Help with Personal Investments
Topic: 3-4 Fund Portfolio Question(s)
Replies: 17
Views: 884

Re: 3-4 Fund Portfolio Question(s)

Those Vanguard-recommended percentages give the appearance of far greater precision than is really possible or necessary. So if you do go with four funds, I hope you simply their recommendations to: 40% Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) 30% Vanguard Total International ...
by gvsucavie03
Sun Aug 16, 2015 10:19 am
Forum: Investing - Help with Personal Investments
Topic: 3-4 Fund Portfolio Question(s)
Replies: 17
Views: 884

Re: 3-4 Fund Portfolio Question(s)

That seems to be the biggest mental hurdle for me as it goes against what I've been "taught" for many years. It's seeing $300,000 in a single fund that makes me uneasy. My guess is this that you've been "taught" this based on investing in individual stocks and/or an adviser chas...
by gvsucavie03
Sun Aug 16, 2015 10:15 am
Forum: Investing - Help with Personal Investments
Topic: A year with Bogleheads! Update and Thanks
Replies: 19
Views: 1911

Re: A year with Bogleheads! Update and Thanks

msprotege wrote:I have read the first post in that thread before.

Is it worth reading the entire thread?


It's the best thread on this entire website related to investing, IMO.
by gvsucavie03
Sun Aug 16, 2015 10:13 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey - Help Me Understand His Investing Strategy
Replies: 75
Views: 8186

Re: Dave Ramsey - Help Me Understand His Investing Strategy

That's why he uses the 12% figure: its the simple arithmetic average. When most DIY investors talk average performance, they usually talk CAGR, which is the more useful, albeit lower number. It's not more useful, it is correct. But DIY investors aren't usually the type to set foot in a payday lende...
by gvsucavie03
Sun Aug 16, 2015 10:05 am
Forum: Investing - Help with Personal Investments
Topic: A year with Bogleheads! Update and Thanks
Replies: 19
Views: 1911

Re: A year with Bogleheads! Update and Thanks

Put in different terms, your 30% international (which is probably fine) plus the combined 29% exposure to small cap (25% plus the 4% in tsm of your tsm allocation) puts you at 59% of your portfolio at higher risk than the overall US stock market. The intent of investing is to diversify and get the ...
by gvsucavie03
Sun Aug 16, 2015 9:51 am
Forum: Investing - Help with Personal Investments
Topic: A year with Bogleheads! Update and Thanks
Replies: 19
Views: 1911

Re: A year with Bogleheads! Update and Thanks

Put in different terms, your 30% international (which is probably fine) plus the combined 29% exposure to small cap (25% plus the 4% in tsm of your tsm allocation) puts you at 59% of your portfolio at higher risk than the overall US stock market. The intent of investing is to diversify and get the ...
by gvsucavie03
Sun Aug 16, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: A year with Bogleheads! Update and Thanks
Replies: 19
Views: 1911

Re: A year with Bogleheads! Update and Thanks

If that means that during the next market crashes and I sell everything and lose a bunch of money then so be it. That is the risk I am willing to take on myself that i will not do it. That may seem foolish but I feel confident enough that I can make it through a crash without selling. And i know ju...
by gvsucavie03
Sun Aug 16, 2015 9:39 am
Forum: Investing - Help with Personal Investments
Topic: A year with Bogleheads! Update and Thanks
Replies: 19
Views: 1911

Re: A year with Bogleheads! Update and Thanks

Put in different terms, your 30% international (which is probably fine) plus the combined 29% exposure to small cap (25% plus the 4% in tsm of your tsm allocation) puts you at 59% of your portfolio at higher risk than the overall US stock market. The intent of investing is to diversify and get the h...

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