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Re: Tracking growth of investment

Mine is really simple. I just record the total amount with the date every year or two. I don't find much use in the historical numbers, so I don't put much effort into it.
by mhc
Fri Dec 19, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tracking growth of investment
Replies: 8
Views: 626

Re: Schwab Intelligent Portfolios

I was wondering if Schwab was offering it at no cost to get more money into Schwab and get people use to the service; then, they would start charging.
by mhc
Fri Dec 19, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios
Replies: 13
Views: 1360

Re: Value/Growth Index Funds?

If you don't want to tilt, then go with the total market fund. If you don't know what tilt means or why you would want to do it, then go with the total market fund.

Some people like to tilt to value. Very few like to tilt to growth.
by mhc
Thu Dec 18, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Value/Growth Index Funds?
Replies: 2
Views: 686

Re: Growing Strength of Our Investment Income

Yes you are making good progress. Congrats!

Have you thought about looking at total returns instead of just distributions?
by mhc
Thu Dec 18, 2014 10:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Growing Strength of Our Investment Income
Replies: 2
Views: 672

Re: Could it be worth using Roth even in a high tax bracket?

My goal is to have enough money for my DW and I to live a nice life. I plan on withdrawing much less in retirement than I am currently earning. I seriously doubt my marginal tax rate will be higher in retirement. If it happens to be higher in retirement, then that means I will have more money than I...
by mhc
Wed Dec 17, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Could it be worth using Roth even in a high tax bracket?
Replies: 37
Views: 2362

Re: How much will this $3 million portfolio be worth in 2040

I would run it through firecalc.com to see the distribution of possible results.
by mhc
Tue Dec 16, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much will this $3 million portfolio be worth in 2040?
Replies: 4
Views: 1436

Re: Would you invest $2500 or ?

A one off thing to help him will probably not help him. If you are willing to invest the time and effort along with the money to help your sibling, then go for it. My personal experience is that one off things do not help. I've worked with several people. It usually takes years (5+) to see very mean...
by mhc
Tue Dec 16, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Would you invest $2500 or ?
Replies: 21
Views: 1647

Re: Is my calculation of cost correct?

Your math is correct if you assume that you only hold the Vanguard fund for 1 year and don't ever have to pay the $7.95 again to sell the Vanguard fund. Each additional year that you hold the Vanguard fund, you will save more money since the ER is a per year number. Those savings will also compound ...
by mhc
Tue Dec 16, 2014 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is my calculation of cost correct?
Replies: 7
Views: 513

Re: Inovative way to maximize company 401K match.

Welcome to the forum! I would skip the kids' college funds and put the money toward the 401k to get more matching dollars. That's a no brainer. I like your idea of taking from the IRA to fund your 401k. The break even point is before 100% vesting. You would have to do the math based on the vesting s...
by mhc
Mon Dec 15, 2014 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inovative way to maximize company 401K match.
Replies: 13
Views: 1745

Re: Need help with men's exercise clothes please

Under Armor is the most stylish these days where I live. All brands have their own "stay dry" line of clothing. You can go to any sporting goods store and find them. Just ask a clerk to help you.

Running, biking, hiking, and general exercise clothing tend to be different.
by mhc
Mon Dec 15, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 55
Views: 3528

Re: Foreign currency exchange (small amounts)

Give the foreign money to a kid. My kids love it. I loved it as a kid.

It would make a great stocking stuffer.
by mhc
Mon Dec 15, 2014 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Foreign currency exchange (small amounts)
Replies: 3
Views: 304

Re: Went "all in" Nov 17-21 in VTTHX (2035) - worried...

This movement occurs all the time. It takes a little while to get use to it. I'm unsure if it is better to watch it a lot to learn that this is just normal or to just ignore it and remain uninformed on how markets move. I like to look a lot to desensitize myself from market movements. Others like to...
by mhc
Mon Dec 15, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Went "all in" Nov 17-21 in VTTHX (2035) - worried...
Replies: 26
Views: 3358

Re: What are your 2015 Financial Goals?

The only new goal for 2015 is to set up a DAF and start funneling all charitable contribution through the DAF.
by mhc
Mon Dec 15, 2014 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 90
Views: 6293

Re: How much is reasonable to spend on vacation?

I spend about 15% of the annual budget on vacations, but I have no debt. The key is to spend/save the money in such a way they you get the best bang for the buck. It is a personal decision.

I would think that if you are saving 15-20% of your income, then enjoy the rest however you like.
by mhc
Sun Dec 14, 2014 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much is reasonable to spend on vacation?
Replies: 30
Views: 2866

Re: Most/Least Boglehead 2014 Activity?

most: stayed the course, max all tax advantaged accounts, added to taxable, LBYM, TLH, spent less than 2012

least: spent $30 at Cold Stone tonight after we drove around 2 hours looking at Christmas lights (well worth it)
by mhc
Sat Dec 13, 2014 11:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 83
Views: 7590

Re: (Poll) Did you tap into emergency fund in the past 10 ye

I can only remember once tapping my emergency fund. In the last year of getting my undergrad degree, the transmission in my wife's car went out. It cost less than $1000 to fix. That was over 20 years ago. I guess there are other unplanned small expenditures (<$1000) that I was able to just cover out...
by mhc
Thu Dec 11, 2014 3:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Poll) Did you tap into emergency fund in the past 10 years?
Replies: 59
Views: 4180

Re: How to automatically transfer tenants rent to my account

My local brick & mortar bank's bill pay supports automatic/reoccurring bill paying. She should check to see if her bank's bill pay supports it. If not, change banks.
by mhc
Thu Dec 11, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to automatically transfer tenants rent to my account?
Replies: 22
Views: 2008

Re: Don't Peek

I look at least once a week to make sure everything is in order. I would hate to go a year without looking, and when I finally look the account is at $0. That would suck. I would rather catch errors sooner rather than later.
by mhc
Thu Dec 11, 2014 9:26 am
 
Forum: Investing - Theory, News & General
Topic: Don't Peek [at Your Portfolio Balance]
Replies: 33
Views: 3893

Re: Is the collapse of oil price a "black swan"?

It may be a black swan for some undiversified people, but for me and many others it is no big deal.
by mhc
Thu Dec 11, 2014 8:33 am
 
Forum: Investing - Theory, News & General
Topic: Is the collapse of oil price a "black swan"?
Replies: 93
Views: 8572

Re: Why don't YOU follow Buffett's advice?

I don't follow his advice because he is not an expert on the subject.
by mhc
Wed Dec 10, 2014 2:56 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't YOU follow Buffett's advice?
Replies: 114
Views: 8135

Re: Garage Refinishing Questions

Mud/texture, prime, paint for $600 seems reasonable. I would get 2-3 estimates and go with the person you are comfortable with. This is really low skill work that many people can do. Do you have insulation behind the drywall on the exterior walls? If not, you may want to insulate to improve the comf...
by mhc
Wed Dec 10, 2014 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Garage Refinishing Questions
Replies: 7
Views: 802

Re: Poll: Dividend income to match annual salary?

I'll probably never get there for two reasons:

1. I don't need to live off of just dividends when I retire.

2. I don't need my current annual salary in retirement.

If I did not retire until my dividends matched my salary, I would need 3-5 times more to retire. I ain't working that long.
by mhc
Wed Dec 10, 2014 10:02 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3643

Re: Employee Stock Purchase Plans - What are your thoughts?

I would skip it. It's not worth the trouble.
by mhc
Wed Dec 10, 2014 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Plans - What are your thoughts?
Replies: 23
Views: 1566

Re: Poll: Your Portfolio Tax Diversification

Since you asked for portfolio and not retirement portfolio, I answered 50/50 taxable/traditional, but it actually is:

45% Taxable
40% Traditional (401k, NQDCP)
10% Roth (Roth IRA, 529, Coverdell)
5% never taxed (HSA)
by mhc
Wed Dec 10, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Portfolio Tax Diversification
Replies: 45
Views: 2455

Re: If you don't need the Soc Sec, when to start taking it?

I would wait until 70 to collect SS. This is good old age insurance. I would also file and suspend at full retirement age just in case you need money before age 70. Take a look at: http://www.marketwatch.com/story/social-security-loopholes-huge-windfall-opportunity-2014-07-10 You should also conside...
by mhc
Mon Dec 08, 2014 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you don't need the Soc Sec, when to start taking it?
Replies: 39
Views: 4256

Re: Holiday Meal Splurging (Wagyu beef)

If you are looking to splurge a bit, consider beef from free-range and grass-fed, not corn-fed, cows. It costs more but that's the cows originally lived and their biology works better that way. Leading to better flavor IMHO. My experience is that they are inferior for steaks. I like the hamburger b...
by mhc
Sun Dec 07, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Holiday Meal Splurging (Wagyu beef)
Replies: 17
Views: 1541

Re: Transferring files onto a new computer

I just go into the file explorer and bring up the other computer and then drag and drop the files to the new computer. Easy.
by mhc
Fri Dec 05, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Transferring files onto a new computer
Replies: 30
Views: 2035

Re: Why Vanguard Total Stock Market isn’t the best fund

The article is pretty worthless.
by mhc
Fri Dec 05, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 18760

Re: "Net settle" on stock vesting vs. paying the tax

It depends on what you want to do. If you want to hold all of the stock, send in a check for the taxes. Otherwise, let them withhold shares to cover the taxes.

Since I do not want to hold individual stocks, I let them withhold shares to cover the taxes, and then I sell all shares immediately.
by mhc
Thu Dec 04, 2014 6:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Net settle" on stock vesting vs. paying the tax
Replies: 4
Views: 286

Re: login security questions, using false answers

I hate security questions because I do not have honest answers for some of the required questions.

Therefore, I created a system for answering the questions. I only need to remember my simple formula, which has only failed me once.
by mhc
Thu Dec 04, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: login security questions, using false answers
Replies: 13
Views: 1043

Re: "Net settle" on stock vesting vs. paying the tax

Those are to two options I always have when my RSU's vest.

Do you have a specific question?
by mhc
Thu Dec 04, 2014 5:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: "Net settle" on stock vesting vs. paying the tax
Replies: 4
Views: 286

Re: Dealing with unauthorized (professional services) bill

Is this profession regulated? If so, contact the regulatory body.

I think if you would be more specific to the actual circumstances it would help.
by mhc
Thu Dec 04, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Dealing with unauthorized (lawyer) bill
Replies: 61
Views: 7061

Re: Commission fees and monthly contributioins

I would skip the real estate fund. Then again, I see no reason to buy them in the first place.

Is there a chance to use an IRA or Roth to pick up the real estate fund?
by mhc
Tue Dec 02, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: My investment choices
Replies: 8
Views: 250

Re: POLL: Should investors have a separate emergency fund?

I did not vote because some investors should have an emergency fund and some investors shouldn't.
by mhc
Tue Dec 02, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Should investors have a separate emergency fund?
Replies: 58
Views: 3497

Re: Request: Please share your best asking for a raise advic

You need to proved that you should be paid more. Make yourself so valuable to the company that they want to give you more money so that you will not leave. I always tried to lay out a well thought out case of why I should promoted. I knew if I got promoted the money would follow. I would get the HR ...
by mhc
Tue Dec 02, 2014 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Request: Please share your best asking for a raise advice.
Replies: 9
Views: 799

Re: Honor Societies (any point?)

I went into the Army after HS. In college I joined two engineering honor societies and IEEE. I was an officer in one of the honor societies. I enjoyed the social aspect. I even got an all paid trip to the Air Force Academy to compete in a design competition. I think if you are active in the group, i...
by mhc
Thu Nov 27, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Honor Societies (any point?)
Replies: 35
Views: 2303

Re: thoughts on NQDC

Welcome to the forum. I think a little more info is required: 1. Do you have a 401k available? 2. What are the investment options available in the NQDC? 3. What are the distribution options? 4. How many years before you retire? 5. Health of the company? I am guessing that you are pretty young based ...
by mhc
Thu Nov 27, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: thoughts on NQDC [Non-Qualified Deferred Compensation]
Replies: 7
Views: 861

Re: Best way to pay my parents back

Have you asked your parents what they prefer?
by mhc
Wed Nov 26, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to pay my parents back
Replies: 7
Views: 1244

Re: What are your plans for Thanksgiving Day?

Family
Food
Football
most importantly, give thanks
by mhc
Wed Nov 26, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: What are your plans for Thanksgiving Day?
Replies: 6
Views: 622

Re: Vanguard Money Market Fund - keep open ?

I leave my Vanguard Money Market account open. I keep less than $5 in it. I sometimes use it as a bucket to hold money for a short period of time so I don't confuse myself. For example, I get some extra pay in December. I'll throw it into my VMM so that I can fund my IRA come January. I could just a...
by mhc
Tue Nov 25, 2014 12:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Fund - keep open ?
Replies: 17
Views: 1541

Re: Do you use a phone book?

I still use them a few times a year for the yellow pages to find a service provider (plumber, landscaping, ...). I still have not found a good replacement for the printed yellow pages. Google just doesn't cut it for finding small companies in my area.
by mhc
Sun Nov 23, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Do you use a phone book?
Replies: 51
Views: 2138

Re: Gifting RSUs [Restricted Stock Units]

As far as I know, you cannot gift RSU's. You should read your plan material.
by mhc
Sun Nov 23, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Gifting RSUs [Restricted Stock Units]
Replies: 9
Views: 1055

Re: Help: Three Fund Portfolio at Fidelity

56% TSM
24% TISM
20% TBM

I would fill up the Roth with VTSAX (Total US Stock Market). Then fill out the rest in the 401k according to your allocation. This keeps your Roth really simple. Also, you can do all your re-balancing in your 401k because it has all 3 funds.
by mhc
Sun Nov 23, 2014 10:52 am
 
Forum: Investing - Theory, News & General
Topic: Help: Three Fund Portfolio at Fidelity
Replies: 36
Views: 3555

Re: POLL: Do you personally own a cell phone?

I also own a cell phone that is neither a smart phone or a flip phone. The poll needs more choices.
by mhc
Sat Nov 22, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Do you personally own a cell phone?
Replies: 52
Views: 2940

Re: Glad to join the community!

Welcome to the forum.

I agree that there is a lot of good content here. Have you looked through the Wiki yet?
by mhc
Sat Nov 22, 2014 10:52 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Glad to join the community!
Replies: 1
Views: 214

Re: What would be the investing strategy for a coming crash?

InvestorNewb wrote:Stay the course.



and stop listening to all the noise.
by mhc
Fri Nov 21, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 82
Views: 9337

Re: Donating for a specific family

I sponsor missionaries and specific children through various organizations. I suspect that if I look under the hood, the non-profit can direct the funds as they see fit which keeps the contributions tax deductible. Your church would need to do something like this I would assume. If your church set u...
by mhc
Fri Nov 21, 2014 11:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Donating for a specific family
Replies: 43
Views: 2987

Re: Social Security 62 vs 66

Did you account for Jill getting $6800/yr more than Jack from ages 67-77?

If Jack is getting 4% on his money and Jill is getting ~8% for delaying SS, how would Jack come out ahead?

Jack's 4% has much more risk than Jill's 8%.
by mhc
Fri Nov 21, 2014 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Social Security 62 vs 66
Replies: 58
Views: 5613

Re: getting umbrella insurance

I have home and auto insurance with this company. I submitted answers to most all of these questions online and got a quote. But they will not complete the deal until I call and provide other unspecified information. Can't imagine what else they would ask. They may just want to upsell you. Insuranc...
by mhc
Thu Nov 20, 2014 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: getting umbrella insurance
Replies: 25
Views: 1532
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