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Re: so lower grade munis add value

thanks for answering my question, larry, appreciate the feedback.
by nervousnovice
Tue Jul 01, 2014 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: so lower grade munis add value
Replies: 17
Views: 1178

Re: so lower grade munis add value

this is a timely article as i have been trying to get a better understanding of bond allocations in our accounts. i realize that this article is specifically about low quality munis, but my question is about low quality bonds in general. doesn't this same logic apply? side note: when i do portfolio ...
by nervousnovice
Tue Jul 01, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: so lower grade munis add value
Replies: 17
Views: 1178

Re: Food Dehydrator: looking for advice

i use my oven with sheet trays and stainless steel (oven safe) cooling racks set inside them so air can circulate. my oven's lowest temperature setting is 100F, but if you only want to make jerky, 165 or 170 will do the trick.
by nervousnovice
Fri Jun 27, 2014 2:39 am
 
Forum: Personal Consumer Issues
Topic: Food Dehydrator: looking for advice
Replies: 6
Views: 462

Re: What Do You Eat For Snacks?

jay22 wrote:
VictoriaF wrote:
jay22 wrote:It's probably an ignorant question, but what is MMM, MDA and MCT?


MMM and MDA are blogs Mr. Money Mustache and Mark's Daily Apple. MCT is Medium-Chain Triglycerides.

Victoria

Thanks. :happy


oops, sorry for lapsing into so many TLA's! (three letter acronyms) ;)
by nervousnovice
Fri Jun 20, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6299

Re: What Do You Eat For Snacks?

I find that fatty foods offer the greatest amount of satiety and help me stay very lean. Usually for breakfast I have bulletproof coffee with grass fed butter and MCT oil added to it. Then I have 3 eggs and half an avocado. This usually keeps me full till 1pm. For lunch I usually make a monster sal...
by nervousnovice
Fri Jun 20, 2014 3:51 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6299

Re: Taking a leave of absence for one year

after 20+ years in my field, and at the urging of my husband, i took what was to be a 1 year sabbatical (not sanctioned by the company, left my job) and am now almost 10 years out of the workforce. 1 year into it, i started to reconnect with colleagues to look for a new job but my husband almost see...
by nervousnovice
Wed May 14, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taking a leave of absence for one year
Replies: 37
Views: 2749

Re: Soylent

we only do whole, natural state foods in our house, preferably organic and nothing in a box or a bag. if i want chips, i make them. if i want ice cream, i make it. same for our dogs.
by nervousnovice
Mon May 12, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Soylent
Replies: 80
Views: 3192

Re: St. John, USVI travel advice

we were fortunate to go to caneel bay a few years ago (on the company dime) and it was amazing. i highly recommend it, especially if you want something romantic. no phones or tv's in the room, but they do have wifi.
by nervousnovice
Fri May 09, 2014 9:55 pm
 
Forum: Personal Consumer Issues
Topic: St. John, USVI travel advice
Replies: 10
Views: 782

Re: Piece on Smart Beta by my collegue and co-author Jared K

thank you for sharing this info, i was just preparing to jump into researching "smart beta"....
by nervousnovice
Fri May 09, 2014 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Piece on Smart Beta by my collegue and co-author Jared Kizer
Replies: 3
Views: 294

Re: Vanguard Total International Bond Index Fund

why does vanguard's target retirement fund 2025 have MORE international bond in it than the 2030 target retirement fund? Just because it has more bonds overall. The US/international percentage breakdown for the bonds is the same (~80% US, ~20% international). o that makes sense, thank you oblivious...
by nervousnovice
Fri May 09, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Bond Index Fund
Replies: 38
Views: 3407

Re: Vanguard Total International Bond Index Fund

i don't have it and unclear as to whether i will include it or not. i am not sure about the risk and as a relatively new boglehead investor i want to study it a little more. but i do have a question that i noticed the other day: why does vanguard's target retirement fund 2025 have MORE international...
by nervousnovice
Fri May 09, 2014 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Bond Index Fund
Replies: 38
Views: 3407

Re: Skip IRA for 1 year to buy engagement ring

fwiw i got a nice engagement ring for my first marriage, where i left in less than 2 years after realizing my mistake: good on paper but not enough chemistry. eloped the second time around, no ring offered at our 1 year first date anniversary sunset when my husband proposed. didn't even think about ...
by nervousnovice
Mon May 05, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13091

Re: Expense Ratios

+1 i look at both. very happy to get my weighted avg to .08 after discovering and implementing bh investing.
by nervousnovice
Mon May 05, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense Ratios
Replies: 22
Views: 1508

Re: historical muni bond rate changes to gage risk

I recommend replacing your High Yield Muni with Long-Term Muni (VWLUX). No AMT and higher quality. Both have duration of approx. 6.7 years high yield SEC 3.23% and long term is 2.92% (31 basis points difference) high yield has 16% of assets that can be taxed via AMT. high yield has 23% of below A r...
by nervousnovice
Sun May 04, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: historical muni bond rate changes to gage risk
Replies: 9
Views: 596

Re: Excessive margin debt

@snowjob - never mind, i read philosophical economics and it seems really great. thanks for the tip.
by nervousnovice
Fri May 02, 2014 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: Excessive margin debt
Replies: 5
Views: 912

Re: Excessive margin debt

It looks like excessive margin debt is back. Should we be worried? http://advisorperspectives.com/dshort/charts/markets/nyse-margin-debt.html?NYSE-margin-debt-SPX-since-1995.gif Maybe, maybe not. https://philosophicaleconomics.wordpress.com/2013/10/25/margin-debt/ That's a fantastic blog, if anyone...
by nervousnovice
Fri May 02, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Excessive margin debt
Replies: 5
Views: 912

Re: Did you tell anyone you paid off your mortgage?

We told our families. They all knew from previous conversations that we were working on paying off our mortgage. Other than family, there have been a few close friends that know our spending habits and that we sometimes have financial discussions with that know we are mortgage-free, but we don't go...
by nervousnovice
Wed Apr 30, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 158
Views: 12246

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: 2149

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: 2984

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: 3908

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: 304
Views: 119869

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: 1480

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: 304
Views: 119869

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: 304
Views: 119869

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: 208

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: 1246

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: 467

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: 113
Views: 9323

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: 467

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: 5162

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: 5162

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: 5162

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: 1314

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: 5162

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: 5162

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: 5162

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: 5162

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: 5162

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: 5162

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: 5162

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: 5162

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: 1314

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: 1314

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: 1314

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: 819

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: 5162

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: 5162

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: 819

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: 819
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