Search found 87 matches

Return to advanced search

Re: Poll: how did you decide on stock/bond allocation?

I was woefully under invested for quite a while outside of my 403b. I had built up a sizeable amount of cash because I didn't know what to do with it.. Upon the advent of the 2008 crash I was still nervous but I knew I had to get in at some rational comfort level. I just used 60/40 as a starting poi...
by max12377
Mon Mar 31, 2014 5:54 am
 
Forum: Investing - Theory, News & General
Topic: Poll: how did you decide on stock/bond allocation?
Replies: 35
Views: 1862

Re: if you have switched from bonds to cash.....

I switched a sizable amount from cash to bonds the day before yesterday because my Stable Value Fund slapped on a .65 fee (formerly 0) just because they could. Pissed me off. Nevertheless I am glad I am back in bonds and intend to stay there. I have 10+ years to wait it out. :beer
by max12377
Thu Mar 20, 2014 8:49 am
 
Forum: Investing - Help with Personal Investments
Topic: if you have switched from bonds to cash.....
Replies: 9
Views: 1155

Re: How did you get through the market crash in 08-09

I have to say I was absolutely astonished at how quickly things rebounded. During a market downturn there is no guarantee as to the time frame it will take for a rebound. No one knows. Personally, I ended up putting all new contributions into 100% stocks when things went south. On a side note, I als...
by max12377
Mon Mar 10, 2014 6:02 am
 
Forum: Investing - Theory, News & General
Topic: How did you get through the market crash in 08-09
Replies: 104
Views: 5452

Re: Pet peeve: When people refer to this forum as "Bogglehea

I can "insure" you they just need to be told to "loose" the extra "g" and all will be well. No worries..
by max12377
Thu Feb 13, 2014 8:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Pet peeve: When people refer to this forum as "Boggleheads."
Replies: 36
Views: 2445

Re: Bought in, and then they start tumbling

Hi, I seem to have a bad timing when it comes to making contributions to my portfolio. I only contribute quarterly. Last time I did so in bonds, it was just before bonds started to fall. Recently when I did so in stocks, it was just before the recent plunge. Although I know I am holding for the lon...
by max12377
Mon Jan 27, 2014 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bought in, and then they start tumbling
Replies: 51
Views: 6472

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy Birthday Taylor! You and Mr. Bogle are two shining examples of staying the course - in Investing and in life :beer . I always put a very high weight to your posts and opinions when I read them. The Majesty of Simplicity. Thank you for your contributions - I have learned a lot from you and am a...
by max12377
Fri Jan 24, 2014 6:36 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12671

Re: Do you invest in a taxable account?

Yes. I max out 403b and Roth first and as early in the year as I can. I am split about even between VTSAX and VTIAX in my taxable account. Psychologically, I find it easier to invest In a taxable account in a frothy market because of the tax loss harvesting opportunities.
by max12377
Tue Jan 07, 2014 6:51 am
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7197

Re: Dating, Gender, & Wealth Differences...

I see it as a good thing. Get married and if it doesn't work out, cash in on the divorce! This way, she'll have to fork it over - not you! I am kidding, of course. Keep in mind you're meeting a person, not a career. I am single but abhor online dating because it tends to put people into 'evaluate' m...
by max12377
Tue Jan 07, 2014 6:41 am
 
Forum: Personal Consumer Issues
Topic: Dating, Gender, & Wealth Differences...
Replies: 102
Views: 5849

Re: When to invest $5,500 in Roth IRA in 2014?

I just plopped mine in this morning. $5500 into VGSLX. I figure if we tank at least I'll get a decent dividend in the coming months. I'm also holding a good amount of dough in my 403b stable value which is ready for action if the opportunity presents itself.. Has that dough been rising long? Did it...
by max12377
Fri Jan 03, 2014 6:53 am
 
Forum: Investing - Help with Personal Investments
Topic: When to invest $5,500 in Roth IRA in 2014?
Replies: 54
Views: 4762

Re: When to invest $5,500 in Roth IRA in 2014?

I just plopped mine in this morning. $5500 into VGSLX. I figure if we tank at least I'll get a decent dividend in the coming months. I'm also holding a good amount of dough in my 403b stable value which is ready for action if the opportunity presents itself..
by max12377
Thu Jan 02, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: When to invest $5,500 in Roth IRA in 2014?
Replies: 54
Views: 4762

Re: Who is lump-summing a fund on January 2, 2014?

I will make the full Roth Contribution Jan 2. Also have 100% of my paycheck going to fund the 403b. Good times.. :sharebeer
by max12377
Tue Dec 31, 2013 8:19 am
 
Forum: Investing - Theory, News & General
Topic: Who is lump-summing a fund on January 2, 2014?
Replies: 49
Views: 4222

Re: The Best Things in Life Are Partly Free

Exercise is mostly free (depending on how you do it) and makes me feel great. I just invest my time.
by max12377
Thu Dec 26, 2013 7:54 am
 
Forum: Personal Consumer Issues
Topic: The Best Things in Life Are Partly Free
Replies: 17
Views: 2384

Re: Bad Time to Jump In?

It's a huge psychological game & I understand where you're at. Been there. If you buy a little and it goes up, you wish you bought more. If it goes down, you wish you waited one more day. We're all swimming in the same pool. Even though you maybe fortunate to buy right before a big run-up, you s...
by max12377
Sun Dec 22, 2013 6:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Bad Time to Jump In?
Replies: 37
Views: 3633

Re: Paid off Mortgage today!

Congratulations! WE'RE DEBT FREEEEEEE... :beer
by max12377
Fri Dec 06, 2013 6:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off Mortgage today!
Replies: 56
Views: 4164

Re: Simplicity

I agree with you Robert. Every time I look at my portfolio, I ask myself how I might make things simpler. I am basically undoing the mess I created when I was younger. :oops: In fact, it is almost so simple that I may not have anything to do anymore except perhaps re-balance once a year. Now I have ...
by max12377
Tue Dec 03, 2013 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Simplicity
Replies: 23
Views: 2430

Re: Asset Location - Perhaps time to tax adjust the AA

Thank you. That's what I do too, I think. My Roth has been 100% stocks and has seen a nice run up. If I think things are getting frothy, I will go to 80/20 in the Roth and buy the 'equivalent' amount of stock back in the 403b without penalty. That way, if stocks do tank, the 403b does the 'suffering...
by max12377
Wed Nov 27, 2013 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Asset Location - Perhaps time to tax adjust the AA
Replies: 55
Views: 3040

Re: Asset Location - Perhaps time to tax adjust the AA

livesoft wrote: I prefer equities in Roth when equities are going up and not going down. I prefer equities in tax-deferred when equities are going down and not going up. I prefer equities in taxable whether they are going up or down. Question for Livesoft: I understand #1 and #3 but not # 2. Can yo...
by max12377
Wed Nov 27, 2013 8:02 am
 
Forum: Investing - Theory, News & General
Topic: Asset Location - Perhaps time to tax adjust the AA
Replies: 55
Views: 3040

Re: Stable Value Fund as Part of AA

I use my Stable Value Fund as a sizable portion of my bond/fixed as it returns 3.5% and pays my mortgage interest without having to pay off the mortgage :sharebeer . However, I did notice that they now have a 20% per year withdrawal restriction posted in their literature (repeat to myself..if it see...
by max12377
Wed Nov 27, 2013 7:46 am
 
Forum: Investing - Theory, News & General
Topic: Stable Value Fund as Part of AA
Replies: 26
Views: 2237

Re: How to deal with the temptation to pullback on stocks

I started at 60/40 before the big bull run. Now I'm pretty much 70/30. VERY Tempted to stay here for a while because bonds/fixed income returns are so poor. Most of my fixed income is in a Stable Value returning 3.5%. Watching the difference in returns between stocks and fixed causes an overpowering...
by max12377
Fri Nov 22, 2013 7:20 am
 
Forum: Investing - Theory, News & General
Topic: How to deal with the temptation to pullback on stocks
Replies: 35
Views: 2190

Re: Pull-ups and Push-ups

I might add one thing to this thread that has helped me. Pullups and Pushups can be hard for those starting out. It is important to compete 'with yourself'. This will help psychologically. If you can do only 1 pullup, write it down. Next time, try for 2. If you can still only do 1, so what?! No one ...
by max12377
Sun Nov 17, 2013 9:37 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 260
Views: 23961

Re: Money missing from my Vanguard summary page

I second what Bertilak said above. Happened to me recently. My indiviual account went bye-bye off the main view. I had to re-customize the page and add the fund back by checking a box. I was mildly concerned that after a couple days it did not correct on its own. That's when I called Vanguard. Vangu...
by max12377
Tue Nov 12, 2013 5:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money missing from my Vanguard summary page
Replies: 15
Views: 2184

Re: Capital gains tax on reinvested dividends in taxable acc

Thanks for all the great replies. I think what I was taking issue with is the specific wording of the wiki in the Returns section here: http://www.bogleheads.org/wiki/Tax-adjusted_asset_allocation#Returns The line in particular is this one: "you will also have to pay capital-gains tax on all of...
by max12377
Mon Nov 04, 2013 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Capital gains tax on reinvested dividends in taxable account
Replies: 23
Views: 1665

Capital gains tax on reinvested dividends in taxable account

Looking for some clarification: From the wiki: If you have $100K in stock in a taxable account, the account will be worth less than $200K after the stock market doubles in value, because of taxes on dividends, and you will also have to pay capital-gains tax on all of your returns except the reinvest...
by max12377
Mon Nov 04, 2013 8:05 am
 
Forum: Investing - Theory, News & General
Topic: Capital gains tax on reinvested dividends in taxable account
Replies: 23
Views: 1665

Re: Pull-ups and Push-ups

I am 47 and I do pretty much the same thing.. bodyweight exercises via P90x. I love it (I'm not affiilated in any way with the program btw.. I just like the way it got me out of going to the gym.) I wake up in the morning and go to the garage. Simple and saves time. The difference between P90x and y...
by max12377
Sun Nov 03, 2013 9:32 am
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 260
Views: 23961

Re: Going without a pre-nup?

I was in this circumstance but we broke up. I understand the romantic ideal is that both people love each other for life. In fact, I think everyone goes into a marriage with that intent. However, if you have taken a while to accumulate and she has nothing, the common sense thing to do would be to pr...
by max12377
Sat Sep 21, 2013 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Going without a pre-nup?
Replies: 255
Views: 13762

Re: How to simplify and overcome Boglehead perfectionism?

My simplicity: I use Vanguard's Portfolio watch and think it's great. I primarily check 2 things. My percentage of stocks/bonds and my percentage of stocks that are international. Oh wait.. I also check the big number at the top too.. (well, big in a relative sense.) I throw money in when I can and ...
by max12377
Fri Sep 13, 2013 7:37 am
 
Forum: Personal Finance (Not Investing)
Topic: How to simplify and overcome Boglehead perfectionism?
Replies: 38
Views: 4846

Re: 75% equity is max?

I'm 100% stocks ..

.. in 65% of my portfolio... :shock:
by max12377
Mon Sep 09, 2013 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: 75% equity is max?
Replies: 48
Views: 5502

Re: Why do you work?

I think I just like the idea of being able to walk away & be OK. I don't want to walk away because I usually like what I do & enjoy the people I work with at the moment. But there is less stress when the going gets tough if I know I have that card in my back pocket and can play it if necessa...
by max12377
Wed Sep 04, 2013 4:55 pm
 
Forum: Personal Consumer Issues
Topic: Why do you work?
Replies: 73
Views: 5976

Re: Stable Value versus Intermediate Bond Fund

My SV is yielding 3.5 %. I can't see a good reason to invest much in an intermediate bond fund, say, PIMCO, when the yield is about the same, ER is .46, and you have a what seems to be a greater downside risk with the bond fund. So at the moment I'm camping most of my fixed/bond allocation there &am...
by max12377
Sat Aug 31, 2013 8:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Stable Value versus Intermediate Bond Fund
Replies: 32
Views: 3260

Re: What to do once you have maxed out tax advantaged space?

I don't know if this will help but here's what I did to get stocks in taxable and bonds in tax deferred. It's basically covered in the wiki that was referenced above. I had an S&P 500 fund in my 403b that was relatively large. I also had a chunk of muni bonds in taxable. By the way, there is a f...
by max12377
Fri Aug 30, 2013 8:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do once you have maxed out tax advantaged space?
Replies: 29
Views: 3871

Re: What Book Are You Currently Reading? Part V

Just finished a good book that kept my attention the whole way through and wanted to share. Usually I find one or two chapters in these self-help type books to be real snoozers. This one was absent the filler chapters, fun to read and I liked the authors style. I found myself laughing out loud at pa...
by max12377
Mon Aug 12, 2013 8:04 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2633
Views: 602514

Re: Hit a financial milestone today

Congratulations!
by max12377
Wed Jul 24, 2013 7:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Hit a financial milestone today
Replies: 26
Views: 3142

Re: What Book Are You Currently Reading? Part V

One book which I read a couple years ago that has helped me a lot at work is called 'Total Workday Control' by Michael Linenberger. It's similar to GTD but I like it better as it uses MS Outlook to develop your task management system. It really did help me get control of my workday. Now when I see p...
by max12377
Sat Jul 20, 2013 8:50 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2633
Views: 602514

Re: Best online portfolio viewing site?

I also use Vanguard Portfolio Watch. Since joining this site I went from a complex ungainly mess of funds, stocks & etf's to 5 or 6 funds. Portfolio watch spits out my Stock/Bond/Cash ratio with ease. I just have to add my non-VG to the 'Outside Investments'. Simple. As I get better at this I fi...
by max12377
Sat Jul 20, 2013 8:40 am
 
Forum: Investing - Theory, News & General
Topic: Best online portfolio viewing site?
Replies: 48
Views: 5781

Re: Reducing water flow to sump pump

Thank you eharri3 for your thoughtful reply. I put my answers to your questions below. After talking to a contractor and reading your reply I think my best answer is to send the downspout water to the storm drain. The good news is that my basement stays dry. But my sump sure gets a workout in a heav...
by max12377
Sat Jul 20, 2013 8:16 am
 
Forum: Personal Consumer Issues
Topic: Reducing water flow to sump pump
Replies: 31
Views: 2446

Re: Reducing water flow to sump pump

Music to my ears! Thanks for the advice. I'll look into a smaller pump & perhaps keep the existing one as a backup. :beer
by max12377
Tue Jul 09, 2013 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Reducing water flow to sump pump
Replies: 31
Views: 2446

Re: Reducing water flow to sump pump

The water from the bubbler will be piped into the town's storm drain. It's illegal to go to the sewer. The previous owner had a an extra long pipe to the front yard. It created a bit of a swamp out front & the pipe slowly sunk into the ground. He just mowed over it. I tried that for a while but ...
by max12377
Tue Jul 09, 2013 9:55 am
 
Forum: Personal Consumer Issues
Topic: Reducing water flow to sump pump
Replies: 31
Views: 2446

Re: Reducing water flow to sump pump

I live in a cold weather climate. I really appreciate all the responses. It has been quite informative. I do know my "bubbler" system comes with a 20 year transferable warranty, so I assume that if the pipes do freeze I would call them up. I will be sure to ask about it though. I can't wai...
by max12377
Tue Jul 09, 2013 8:24 am
 
Forum: Personal Consumer Issues
Topic: Reducing water flow to sump pump
Replies: 31
Views: 2446

Re: Reducing water flow to sump pump

Mine is going to cost ~ $1500. They (the plumber) are taking the sump pipe out to the town's storm water system. I believe they are going to have to go below the sidewalk to get it there. Prob cost more for each of the the downspouts I want to add to the system. I assume they have to get a permit of...
by max12377
Sat Jul 06, 2013 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Reducing water flow to sump pump
Replies: 31
Views: 2446

Re: Reducing water flow to sump pump

Hope everyone had a good 4th. Yes the picture of the bubbler system is what I'm getting installed. It is illegal where i live to dump the water to the sewer system. I know some folks do it anyways but I'd rather play by the rules :D . The bubbler line is fairly shallow. I'm guessing 2 or 3 feet ? I ...
by max12377
Fri Jul 05, 2013 3:58 pm
 
Forum: Personal Consumer Issues
Topic: Reducing water flow to sump pump
Replies: 31
Views: 2446

Re: Foreign stocks as a % of your stock asset allocation

I went from 17% to 20 % so the Vanguard portfolio watch would stop squawking at me to be between 20 & 40 !
by max12377
Fri Jul 05, 2013 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Foreign stocks as a % of your stock asset allocation
Replies: 59
Views: 4978

Reducing water flow to sump pump

Hello Bogleheads- Looking for some advice. On a heavy rain a lot of water flows to my sump pump. I want to reduce the amount of water that gets to the sump so I am looking at the following: 1. Bubbler System - this will pipe the water out to the town's water main at the street. Right now the water f...
by max12377
Thu Jul 04, 2013 7:37 am
 
Forum: Personal Consumer Issues
Topic: Reducing water flow to sump pump
Replies: 31
Views: 2446

Re: Is "now" a good time to start investing?

As I learn more about investing, it truly does become more about holding on for the ride - aka "time ' in ' the market". Although a simplistic analogy, it really is like riding a roller coaster. Some folks with incredible grip strength can manage 100 % stocks as they can "hold on"...
by max12377
Mon Jul 01, 2013 7:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Is "now" a good time to start investing?
Replies: 23
Views: 1643

Re: Bogleheads Without Avatars

I tried to come up with an avatar that accurately reflects investing in these times.. :sharebeer
by max12377
Tue Jun 25, 2013 6:44 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads Without Avatars
Replies: 197
Views: 13669

Re: Cash versus bonds-Why not?

I often wonder if, as soon as the bond yield increases and the NAV drops accordingly, folks would rush to buy something with a decent yield thus increasing the NAV. But I know there's got to be more to it.
by max12377
Mon May 13, 2013 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash versus bonds-Why not?
Replies: 54
Views: 4968

Re: Hold Mortgage Payoff Money in Stable Value Fund?

Thanks. Yes, I kind of blew it when I got the mortgage. I just closed last Nov & could have done much better. I just can't seem to convince myself to pay off the mortgage. By holding the $$ in the Stable Value Fund (I verified 3.5 % is in effect until mid 2014) I'm not going to far out on the ri...
by max12377
Mon Apr 29, 2013 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hold Mortgage Payoff Money in Stable Value Fund?
Replies: 7
Views: 519

Re: Hold Mortgage Payoff Money in Stable Value Fund?

Thanks for the reply.. I should have put a link to the wiki in my post: http://www.bogleheads.org/wiki/Placing_Cash_Needs_in_a_Tax-Advantaged_Account So, if I did need the cash from my 401K stable value fund, I would do a swap...sell stocks in taxable and buy them back (or the equivalent to avoid wa...
by max12377
Mon Apr 29, 2013 3:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hold Mortgage Payoff Money in Stable Value Fund?
Replies: 7
Views: 519

Hold Mortgage Payoff Money in Stable Value Fund?

Let's say one has a 4% $100K 30 year mortgage. The person has $200K in taxable investments, $100K in stocks & $100K split between Inter/Short Muni's. The person has access to a Stable Value Fund with a 3.5% rate in their 401K. Using the theory of "holding Cash needs in your 401k" (as d...
by max12377
Mon Apr 29, 2013 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hold Mortgage Payoff Money in Stable Value Fund?
Replies: 7
Views: 519

Re: Timing the Market - Futility & My Recent Experience

Good point.. I used to sit there and watch the itty bitty gyrations so I could get in at 'just the right time'. It cost me way more in terms of time than $$. Not worth it. Pick an AA and go play golf. Then come back once or twice a year to re-balance if you want to. From what I've learned, the Bogle...
by max12377
Tue Apr 23, 2013 9:51 am
 
Forum: Investing - Theory, News & General
Topic: Timing the Market - Futility & My Recent Experience
Replies: 16
Views: 1121
Next

Return to advanced search