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Re: Asset Allocation

Start reading the wiki. Age in bonds (it really depends on your tolerance to risk). International Stock 30%. Here's a sample portfolio for your age. 30% Total Stock Market Bond fund in a tax advantage account 50% Total Stock Market Index fund in a taxable account. 20% Total International Stock Marke...
by imgritz
Fri Oct 31, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 13
Views: 546

Re: Short term investing

< 5 years. CDs.
by imgritz
Fri Oct 31, 2014 4:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short term investing
Replies: 5
Views: 509

Re: Is $700,000 enough to retire? Opinions please .

How about both of you retiring at 65? He is almost there. You can continue to work and fund the savings. That will achieve both goals.

I suggest you lower your expenses to meet a 4% withdrawal rate of the 700K.
by imgritz
Fri Oct 31, 2014 12:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is $700,000 enough to retire? Opinions please .
Replies: 49
Views: 5292

Re: Coupons? Do you live by them?

I wish I could find coupons for the things I buy. Where do I find the coupons for fruit and vegetables? Normally, I only see coupons for junk foods.
by imgritz
Fri Oct 31, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Coupons? Do you live by them?
Replies: 42
Views: 2066

Re: That stress-relieving thing you do at work

Walk.

Take a short walk. Look at the trees. Notice the birds. You get the idea.
by imgritz
Thu Oct 30, 2014 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: That stress-relieving thing you do at work
Replies: 45
Views: 2645

Re: fleeced by an adviser, is there a recourse?

dgdevil wrote:The price of an education. You got off lightly. Forget it, move on.

I agree.
by imgritz
Wed Oct 29, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 8147

Re: Tips on winning a small claims court case in California.

He specifically states in an email, "The only other thing I see is loose inner fender liners." Did you expect the mechanic to take apart the engine on an inspection? He specifically said "What he could see." In my opinion, you received your settlement. The 4K from the previous o...
by imgritz
Wed Oct 29, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tips on winning a small claims court case in California...
Replies: 20
Views: 1996

Re: Need help: Roll over to new plan or leave $$ in old plan

You can roll over your money to a Vanguard IRA.
by imgritz
Tue Oct 28, 2014 1:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help: Roll over to new plan or leave $$ in old plan?
Replies: 18
Views: 1014

Re: How often do you change your car's oil?

Every 7,500 miles for synthetic. I have an reminder app on my car.
by imgritz
Mon Oct 27, 2014 1:34 pm
 
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 131
Views: 6249

Re: Apple Pay, Google Wallet, credit, and us

I used Apple Pay at Subway to test it out. The software is very easy to use: Have phone near credit card machine and touch the fingerprint icon.

The good news is I will always have a sandwich. :D
by imgritz
Fri Oct 24, 2014 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 79
Views: 6214

Re: Forbes Article On Active vs Passive Investing

Love these hindsight articles. She should've ended the article with buy Microsoft, Google, etc. 10-15 years ago.

She never told us how to predict the bottom or top of the markets with accuracy.
by imgritz
Wed Oct 22, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Forbes Article On Active vs Passive Investing
Replies: 35
Views: 3863

Re: How do you wash your car?

Car wash membership. $36 a month and you can go as many times as you want.
by imgritz
Tue Oct 21, 2014 3:34 pm
 
Forum: Personal Consumer Issues
Topic: How do you wash your car?
Replies: 143
Views: 6841

Re: 12 Worst financal Advisors

I'm surprised anyone uses an individual financial adviser after Bernie Madoff. My personal favorite comes from a friend. He swears by his contact. A financial adviser that strategically defaulted on paying his home. "It was a brilliant move." Well buddy, if your FA can't manage his own mon...
by imgritz
Tue Oct 21, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: 12 Worst financal Advisors
Replies: 4
Views: 1450

Re: Shoes for Plantar Fasciitis?

Don't waste your time with special shoes.

I had plantar for about a year trying various things. I was cured within three weeks after seeing a foot doctor. He'll give you special inserts for your shoes, a boot so your muscle can heal and physical therapy.
by imgritz
Mon Oct 20, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2356

Re: Smartphone questions

I buy my phones like my cars. I want something that is no maintenance that works 24/7 for years without any issues. I have an iPhone.
by imgritz
Fri Oct 17, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6902

Re: Relatively new here. What did you do in 2008/09

Go Blue 99 wrote:I was 100% equity at that point and made no changes. I just rarely looked at my balances :)

I wish I had your skills. :D

I realized in the 2008/09 crash that I was too risky for my asset allocation. I dialed it back and now I sleep well.
by imgritz
Tue Oct 14, 2014 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 7060

Re: Fidelity Investments Hacked

I hope Fidelity notified its customers.
by imgritz
Mon Oct 13, 2014 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Investments Hacked
Replies: 21
Views: 2543

Re: Multiple brokerages?

I suggest you have accounts with institutions you trust. If you don't trust a company, don't do business with them.
by imgritz
Fri Oct 10, 2014 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Multiple brokerages?
Replies: 14
Views: 877

Re: Multiple brokerages?

Here's a response for Vanguard about the infrequent cases of getting an account locked. Although I cannot speak to the situations of these individuals you have read about, I have found in my experience at Vanguard, that this situation usually occurs when there is a security concern on a client's acc...
by imgritz
Fri Oct 10, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Multiple brokerages?
Replies: 14
Views: 877

Re: It's a good day to be Heavy in Bonds ---- 10-09-2014....

DaftInvestor wrote:.....except for me its not about the "day" its about the decade.....

+1
by imgritz
Thu Oct 09, 2014 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be Heavy in Bonds ---- 10-09-2014.......
Replies: 13
Views: 1686

Re: Multiple brokerages?

livesoft wrote:Since Vanguard appears occasionally to lock people's accounts from time to time and prevent them from accessing their money

I've never experience this scenario. What exactly does someone have to do to have their account locked? Some type of fraud?
by imgritz
Thu Oct 09, 2014 12:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Multiple brokerages?
Replies: 14
Views: 877

Re: Portfolio review for upper 60s widow/er

The portfolio seems unnecessarily complicated. Vanguard rep will help make it simpler.

The asset allocation depends on the individual. How much market fluctuation can your parent handle? A good indicator is age in bonds.

I would go with taxable money market account for gift.
by imgritz
Thu Oct 09, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for upper 60s widow/er
Replies: 9
Views: 1245

Re: Headed for a 300+ point loss today?

Try to think in 5-10 year time frames. 300 points up or down is simply market noise.
by imgritz
Thu Oct 09, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30551

Re: Greece Stocks

Why are you looking at an individual stock? I would invest more in your index funds.
by imgritz
Thu Oct 09, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Greece Stocks
Replies: 4
Views: 452

Re: Multiple brokerages?

I researched this for a mutual fund account consolidation. I am sure there is a slight variation for a brokerage account. Mutual funds are governed by the Investment Act of 1940. Vanguard carries insurance called a Fidelity Bond to protect clients from mishaps. Vanguard's custodians have insurance a...
by imgritz
Wed Oct 08, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Multiple brokerages?
Replies: 14
Views: 877

Re: Getting back into the market

I AM MOSTLY SITTING IN MONEY MARKET FUNDS. AFTER MY RESEARCH I WAS PLANNING ON SETTING MY RETIREMENT PORTFOLIO INTO THREE OR FOUR VANGUARD FUNDS. (TOTAL MKT....INTERNATIONAL ....AND BONDS) MY SPECIFIC QUESTIONS ARE: 1) SHOULD I USE ETF'S OR MUTUAL FUNDS? 2) DO I SET IT UP ALL AT THE SAME TIME ? 3) ...
by imgritz
Wed Oct 08, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting back into the market
Replies: 32
Views: 4066

Re: 4% market drop causes huge drop in sentiment

I wonder how it gauges investor sentiment? It is at 3% Extreme Fear.

Remember when 401Ks became 201Ks a few years back? Everyone was complaining. That was Extreme Fear for some but it was a good time to buy.
by imgritz
Wed Oct 08, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: 4% market drop causes huge drop in sentiment
Replies: 22
Views: 5142

Re: When people put all their eggs in the wrong basket

joe8d wrote:I just wonder how many people put their money in that stock on the advice of "Advisors"?

I lost 75% of my IRA based on an advisor. It taught me a valuable lesson to do my own investigation.
by imgritz
Wed Oct 08, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26640

Re: When people put all their eggs in the wrong basket

jfn111 wrote:GTAT, Enron, GM and a whole lot of .com's over the years. Some people never learn the lesson. :(

You beat me to the quote. :D It wasn't that long ago people lost their money in .com's and housing bubbles. I guess it's different this time. :oops:
by imgritz
Wed Oct 08, 2014 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26640

Re: Late start, low income - what to do first?

1. Pay of credit card debt.
2. Have him save six months of an emergency fund.
by imgritz
Wed Oct 08, 2014 11:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2639

Re: help me help a friend, financially

Too many red flags in this post. I would stay out of it unless she asks for your help.
by imgritz
Tue Oct 07, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: help me help a friend, financially
Replies: 24
Views: 2394

Re: Grandpa wants me to help invest $800k - Suggestions?

I would contact Vanguard. They will have a Certified Financial Planner design a portfolio for you for free if you transfer the 800K to them. You can implement their suggestions OR You can have Vanguard manage the portfolio for 1/3 percent annually if you want.
by imgritz
Mon Oct 06, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandpa wants me to help invest $800k - Suggestions?
Replies: 21
Views: 2542

Re: 4% market drop causes huge drop in sentiment

I am thinking my 401K contribution is going to be less expensive this week. :D
by imgritz
Fri Oct 03, 2014 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: 4% market drop causes huge drop in sentiment
Replies: 22
Views: 5142

Re: What bumps were along your road?

Wife became angry ex-wife. 8 years of court battles. The good news is the family law attorneys and ex-wife increased their net worth. :oops:
by imgritz
Thu Oct 02, 2014 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: What bumps were along your road?
Replies: 44
Views: 3133

Re: Management of Investments

I've been going back and forth on this for a while. My investments are all with Fidelity and they offer a portfolio management service where they charge an annual fee of 0.9-1.1% - is this worth considering? Im a bit OCD and like to manage my own money but at the same time i feel a professional mig...
by imgritz
Thu Oct 02, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Management of Investments
Replies: 11
Views: 659

Re: Do you deviate from the BH philosophy?

Sometimes non-BH philosophy is all you have. My last 401K did not have one index option available to me.
by imgritz
Wed Oct 01, 2014 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you deviate from the BH philosophy?
Replies: 64
Views: 3858

Re: I want to pay off my mortgage.

I would pay it off. You will always have a home no matter what happens in life.

One Caveat: Are you divorced? The reason I mention this is I paid off my house. When my ex-wife was taking me to Family Court to adjust child support, the court saw I had less expenses and awarded her more money.
by imgritz
Wed Oct 01, 2014 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to pay off my mortgage.
Replies: 36
Views: 2700

Re: fidelity v.s. vanguard

I would go with Vanguard if you plan to be an indexer. Fidelity is fine with Spartan index funds.
by imgritz
Wed Oct 01, 2014 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: fidelity v.s. vanguard
Replies: 18
Views: 1742

Re: Portfolio tracking websites?

http://www.sigfig.com

It's a free site. You can contact financial advisers to fine tune your portfolio.
by imgritz
Wed Oct 01, 2014 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio tracking websites?
Replies: 6
Views: 461

Re: "How Retirement Fees Cost You"

OK, so here's a question for you guys. What is the average American to do. first of all I have no control over my 401K. So what stop investing in it because of the fees? that seems a little like throwing the baby out with the bath water. for many workers the 401K is the only vehicle to save. Now my...
by imgritz
Tue Sep 30, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: "How Retirement Fees Cost You"
Replies: 28
Views: 2860

Re: Vanguard: "Don't let debt delay or derail your retiremen

the only problem I have Gordon is that these stories make all Americans sound like irresponsible spend thrifts. and I totally admit that I resent that. I know a lot of people that live way beyond their means. I know a few that do nothing to improve their situation. I try to help everyone by casuall...
by imgritz
Tue Sep 30, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard: "Don't let debt delay or derail your retirement"
Replies: 33
Views: 2248

Re: Unable to access Vanguard funds

I'm a loyal client of what-ever service I need. I also expect them to jump through hoops to keep my business. If they don't, I'll move my business someplace else.

If Vanguard is not doing what they need to resolve your account access, I would go straight to another company and transfer my accounts.
by imgritz
Mon Sep 29, 2014 6:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unable to access Vanguard funds
Replies: 6
Views: 549

Re: Will you invest in Bill Gross's new bond fund?

No. I'm an indexer and I will stay with Vanguard's Total Bond Market index fund.
by imgritz
Mon Sep 29, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 2908

Re: Foreclosure

Her income is enough to pay that loan amount. Why is she in financial trouble?
by imgritz
Mon Sep 29, 2014 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Foreclosure
Replies: 9
Views: 1172

Re: Need advice on investment with loaned money

You want to take a loan to invest? If so, bad idea.

Secondly, you want to take a loan from family? Money and family have their complications so I wouldn't do this either.
by imgritz
Mon Sep 29, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need advice on investment with loaned money
Replies: 12
Views: 883

Re: Pimco Total Return - Keep or Sell

Your answer to keep or sell depends on you. Do you think the new fund manager can perform as equal or better than Bill Gross?
by imgritz
Fri Sep 26, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco Total Return - Keep or Sell
Replies: 28
Views: 2392

Re: BIG ($180k) student debt!! Strategy needed.

Is there a reason why your wife is making 45K? The BLS reports that veterinarians earned a median salary of $84,460 in 2012. The best-paid veterinarians earned $144,100, while the lowest-paid earned $51,530. Veterinarians working in scientific research development services, pharmaceutical and medici...
by imgritz
Thu Sep 25, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: BIG ($180k) student debt!! Strategy needed.
Replies: 47
Views: 5612

Re: Need help protecting assets (marriage)

Don't commingle premartial assets if you want to protect yourself.

If you want to be safe financially, marry your financial equal. It wasn't the division of assets that killed me in the divorce. It was spousal support, child support and paying attorney fees because she made so much less than me.
by imgritz
Mon Sep 22, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help protecting assets (marriage)
Replies: 46
Views: 4609

Re: Sale of a home between boyfriend and girlfriend.

I would calculate the profit based on the percentage of income invested. Let's say there has been a total of 40K invested. Girl invested 30K, Boy 10K. I would give 75% of profit to Girl and 25% profit to Boy.
by imgritz
Mon Sep 22, 2014 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sale of a home between boyfriend and girlfriend.
Replies: 79
Views: 5749
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