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Re: Vacuum cleaner advice

+1 more who loves her Miele cannister, it is amazing, lightweight and quite versatile. i suggest getting a powerhead if you have carpet, which we used to have, but now we have all hardwood floors.
by nervousnovice
Fri Feb 28, 2014 12:18 am
 
Forum: Personal Consumer Issues
Topic: Vacuum cleaner advice
Replies: 34
Views: 1924

Re: How has frugality impacted your marriage/LTR?

hubby is a saver and i am a spender, so he has definitely helped me rein in my spending and live under our means. i was in debt when we got married and we corrected it right away and never had a problem since (17 years later). even though we have had some big disagreements regarding money for purcha...
by nervousnovice
Fri Feb 21, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How has frugality impacted your marriage/LTR?
Replies: 37
Views: 2818

Re: Nice couches are pricey, where I can get them for less?

we have been incredibly happy with our recent sofa and occasional chair purchases from room and board. the quality, the delivery and customer support have been phenomenal. i find their quality to be quite a bit higher than crate and barrel for the price, although we have a very nice dining table fro...
by nervousnovice
Mon Feb 17, 2014 12:13 am
 
Forum: Personal Consumer Issues
Topic: Nice couches are pricey, where I can get them for less?
Replies: 43
Views: 3133

Re: TV show recommendations?

@matjen - that family guy clip is hilarious! we also love stewie in our house. :) you hit the nail on the head about his turnaround. mcconaughey was on cbs sunday morning last weekend talking about his recent change in career direction: http://www.cbsnews.com/videos/matthew-mcconaughey-on-dallas-buy...
by nervousnovice
Fri Feb 14, 2014 1:46 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 200
Views: 14318

Re: FORUM'S UPCOMING 7TH BIRTHDAY

congratulations to everyone who contributed to making this site so great! i am so very happy to have found it.
by nervousnovice
Thu Feb 13, 2014 12:25 am
 
Forum: Investing - Theory, News & General
Topic: FORUM'S UPCOMING 7TH BIRTHDAY
Replies: 23
Views: 1345

Re: TV show recommendations?

@pinecrest - we also loved the grammy salutes the beatles special on sunday night!
by nervousnovice
Thu Feb 13, 2014 12:22 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 200
Views: 14318

Re: TV show recommendations?

we were HUGE "breaking bad" fans! right now our by a landslide favorite show is "true detective" on HBO. very dark, but really great story and acting. matthew mcconaughey is really FANTASTIC in this drama, nothing like his rom-com movies of the past. o, and the music is also fant...
by nervousnovice
Thu Feb 13, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 200
Views: 14318

backdoor roth ira

i have a quick question: if my husband set up a traditional IRA in 2013 at vanguard and has not converted it/moved it to a roth ira, is it too late now that its 2014? he has no other IRA accounts. he would also like to contribute the max in 2014 to the roth ira. lastly, can the conversion be done on...
by nervousnovice
Fri Jan 31, 2014 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: backdoor roth ira
Replies: 2
Views: 200

update on moving to boglehead portfolio

hi all, i really appreciate all of the assistance i received when first joining this forum. i've been working to consolidate our holdings and move to a boglehead portfolio and wanted to give an update and ask a few final questions. current status: married, about 50 years old, husband works full time...
by nervousnovice
Fri Sep 27, 2013 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: update on moving to boglehead portfolio
Replies: 0
Views: 249

Re: In need of a new Vacuum

i have hardwood and carpets and 2 small dogs and i LOVE my miele cannister vacuum....best one i've ever owned. i used to go by consumer reports, but had the hoover they ranked at the top for years and it was junk compared to my miele.
by nervousnovice
Tue Sep 24, 2013 3:38 pm
 
Forum: Personal Consumer Issues
Topic: In need of a new Vacuum
Replies: 24
Views: 1231

Re: dividend/cap gains reinvestment in taxable accounts

thanks for all of the great feedback people, i see that there are several good reasons to not reinvest dividends and cap gains! slowly but surely learning still....
by nervousnovice
Tue Aug 20, 2013 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: dividend/cap gains reinvestment in taxable accounts
Replies: 6
Views: 458

Re: [Eating] Fish

i'm with tuckeverlasting about carefully sourcing fish - not only for environmental reasons and mercury levels but also because over 90% of fish - even wild caught in the US - is sent to china for processing and then sent back to the US. http://www.fishwatch.gov/features/top10seafoods_and_sources_10...
by nervousnovice
Tue Aug 13, 2013 11:18 pm
 
Forum: Personal Consumer Issues
Topic: [Eating] Fish
Replies: 102
Views: 6987

dividend/cap gains reinvestment in taxable accounts

i have a quick question: the advice to turn off dividend/capital gains reinvestment in taxable accounts is so that you can use tax loss harvesting when rebalancing, correct? if you have a vanguard account, is it better to transfer it to your bank or transfer it to a vanguard fund (a money market fun...
by nervousnovice
Wed Aug 07, 2013 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: dividend/cap gains reinvestment in taxable accounts
Replies: 6
Views: 458

Re: asset allocation for nervous novice

quick question: i turn off the dividend reinvestment in the taxable accounts so i can use (if necessary) tax loss harvesting when rebalancing?
by nervousnovice
Wed Aug 07, 2013 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

thank you so much pingo for putting this together, this is extremely helpful! i am going to mull it all over and discuss with our accountant and probably start a new thread for a review once i get the plan finalized. i really appreciate all the work you put into this and everyone else's feedback, th...
by nervousnovice
Wed Aug 07, 2013 5:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

thanks pingo, that info is great to know and i will keep it in mind as i get these accounts set up. i confirmed with Fidelity and Schwab today that legacy 401K and qualified retirement plans as well as IRAs can be rolled into individual/self employed 401Ks at both institutions. i like the fund choic...
by nervousnovice
Tue Aug 06, 2013 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: Possible to move an individual 401K?

thank you snowman, i also confirmed with vanguard last week. so now i think we might need to move some accounts to fidelity, calling them tomorrow to discuss. thanks again!
by nervousnovice
Sun Aug 04, 2013 8:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Possible to move an individual 401K?
Replies: 17
Views: 1257

Re: asset allocation for nervous novice

Thank you Brian and Pingo for the tips....so we will max out the i401K contributions and I will call fidelity to find out specifics about moving the TIRA from vanguard there and rolling it into an i401K so that i can set up a backdoor Roth.....did I get that right? In the meantime, I am working on a...
by nervousnovice
Sun Aug 04, 2013 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

also, are you using this type of spreadsheet? http://www.bogleheads.org/wiki/Using_a_ ... readsheets

i am trying to fill it in now so i don't need so much hand holding. in the meantime, thank you so much for your advice!
by nervousnovice
Fri Aug 02, 2013 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

looking at the numbers, i inadvertantly included in the taxable cash portion our emergency fund and savings for our master bath renovation, so our amount is closer to 825K. that cash reserves i count towards the fixed income side of the portfolio - is that correct or up for debate? also, what are yo...
by nervousnovice
Fri Aug 02, 2013 11:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

ah yes, now i see why this is a bad deal: i401K at vanguard doesn't allow admiral shares AND it doesn't allow ETFs, mutual funds only. okay, real monkey wrench on what to put where.....
by nervousnovice
Fri Aug 02, 2013 5:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

pingo - thanks so much! i have been working on my IPS and cascading asset allocation spreadsheet (started with the template here: https://docs.google.com/spreadsheet/ccc?key=0AsVSNcUR-B6IdEJZNE43NHpKQnNPNXFUTk1CZ195dmc#gid=0) with these exact same funds in them (except one scenario also has VBIRX, p...
by nervousnovice
Fri Aug 02, 2013 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

i think we qualify for admiral funds in too many of the accounts and so fidelity would be more expensive. and i am still not convinced that i401ks at Vanguard don't allow admiral funds - i still haven't seen anything in writing from vanguard to indicate such. everything seems to be "i was told ...
by nervousnovice
Thu Aug 01, 2013 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

thanks and yes, i liquidated POAGX. ;) and i don't think i can do the backdoor roth for me because i already have a TIRA with substantial funds and we don't want the tax liability to convert. i am going to talk to our accountant re: i401K for me, but i think it will work as i am the only "emplo...
by nervousnovice
Thu Aug 01, 2013 9:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

Thanks Pingo, I'm going to check with schwab to see if he can move his old "pension" (maybe a keogh?) into his active I401K before moving anything. Seems like the JPM legacy 401K should stay put, as I did open a TIRA for him at Vanguard and plan to move that to Roth next month. Thanks EVER...
by nervousnovice
Wed Jul 31, 2013 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: Possible to move an individual 401K?

Okay, now I am a little confused. The NYT article was referring to traditional 401K, not Individual 401K plans, so I'm not sure how it applies. Also, I spoke with someone yesterday at vanguard at length and they looked and looked and said that there is NOT a limitation for purchasing Admiral funds i...
by nervousnovice
Wed Jul 31, 2013 7:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Possible to move an individual 401K?
Replies: 17
Views: 1257

Re: Possible to move an individual 401K?

thanks for the feedback, it looks like we can definitely transfer it over intact....i don't like schwab's index funds or their high fees (not to mention transaction fees of $76!). plus schwab doesn't allow any of the vanguard admiral funds for purchase (say they are closed to new investors when they...
by nervousnovice
Tue Jul 30, 2013 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Possible to move an individual 401K?
Replies: 17
Views: 1257

Possible to move an individual 401K?

is it possible for my husband to move his individual 401K from schwab to vanguard? is it advisable? i am not happy with the index offerings at schwab and i'm not crazy about investing in their etf's.....thanks in advance for any feedback.
by nervousnovice
Mon Jul 29, 2013 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Possible to move an individual 401K?
Replies: 17
Views: 1257

Re: Portfolio Strategies gif

thanks pkcrafter! reading more now to learn about efficient frontier....
by nervousnovice
Mon Jul 29, 2013 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategies gif
Replies: 5
Views: 800

Re: asset allocation for nervous novice

i totally agree with you bob! in fact, i had my hubby watch the Bogleheads investment philosophy videos and he is on board with the methodology. so i have the greenlight from him to set up a solid AA and buy mutual funds/etf's to support it and we won't hold such a big cash position.
by nervousnovice
Mon Jul 29, 2013 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

hi pingo, thanks for the additional insight....let me try to answer your questions. first, at a high level we are fine keeping the allocation 50/50, maybe consider moving it to 55/45 and at most 60/40. so i am definitely off of the 70/30 split kick. my main concern was whether we should have a littl...
by nervousnovice
Mon Jul 29, 2013 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: Portfolio Strategies gif

sorry about that, its the "boomerang" analysis of stock/bond allocations, with average return% and standard deviation% on the axis. its referenced in this thread by hoppy08520: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=110746&p=1610352&hilit=coward#p1610352 i came acr...
by nervousnovice
Fri Jul 19, 2013 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategies gif
Replies: 5
Views: 800

Re: Portfolio Strategies gif

oops, i think this question might belong in the Investing-Theory, News & General board, so apologies in advance for posting in the wrong place.
by nervousnovice
Fri Jul 19, 2013 1:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategies gif
Replies: 5
Views: 800

Portfolio Strategies gif

hello all, quick question, i have been reading up on the wiki and have come across the portfolio strategies gif. can anyone tell me what is the source of the data? what years does it include? also, the plots for stocks - is that an index and if so, which or is it total stock market? same question fo...
by nervousnovice
Fri Jul 19, 2013 1:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Strategies gif
Replies: 5
Views: 800

Re: asset allocation for nervous novice

this is excellent info, thank you so much! you're right, i was talking about conservative allocations because my husband is way more conservative than me and also our nest egg is getting bigger and his salary acts more like a stock than a bond.....HOWEVER, since it seems like we might be a little be...
by nervousnovice
Wed Jul 17, 2013 12:45 am
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

pingo - thank you for your feedback, i really appreciate it! i am very familiar with using morningstar's tools and portfolio xray....was hoping to get some feedback on the allocation levels for specific assets, like small cap, mid cap, foreign developed, emerging markets, etc......feel free to point...
by nervousnovice
Tue Jul 16, 2013 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: Never time the market, i know...

If one is going to invest, I think one should have a written (or typed) plan on how they are going to invest. The plan must have concrete trigger points on when to buy. Those points cannot be vague or wishy-washy. Examples might be: Buy with every paycheck. Buy on the first day of the month. Buy on...
by nervousnovice
Mon Jul 15, 2013 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Never time the market, i know...
Replies: 48
Views: 5001

Re: asset allocation for nervous novice

thank you, landy, that wsj article is just what i needed! also, we are definitely NOT interested in incurring any taxes on these accounts, so a Roth IRA is out for now. any suggestions on asset allocations? or a reference to study up on how to make a good mix? i read part 1 of The Only Guide to a Wi...
by nervousnovice
Mon Jul 15, 2013 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

thank you all for the feedback, this is very useful! to answer some questions posed and maybe fill in some blanks, our home is probably valued at about $2M right now, so that might factor into things. ALSO, while i have a handle on what the taxes would be annually, are there any ballparks regarding ...
by nervousnovice
Mon Jul 15, 2013 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

Re: asset allocation for nervous novice

i will add the names and expenses tomorrow afternoon, but i should add that i am not married to keeping any of these investments. i would like to move our portfolio into a more index passive management portfolio, probably using vanguard funds (vtsmx, vgtsx, veiex, vgsix, etc).....before executing on...
by nervousnovice
Mon Jul 15, 2013 4:01 am
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

asset allocation for nervous novice

hello all, i am so happy to find this forum! late last year for the first time in my life i felt like my husband and i needed a financial advisor/money manager. but soon after talking with a couple, i happened to watch the PBS Frontline show The Retirement Gamble, which prompted me to take several o...
by nervousnovice
Mon Jul 15, 2013 12:06 am
 
Forum: Investing - Help with Personal Investments
Topic: asset allocation for nervous novice
Replies: 49
Views: 4815

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