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Re: White Coat Investor in Forbes

I did not express myself well, apologies. What I meant is that I would not have the courage to talk to the media and give away my real identity, simply because I have posted a lot of information about myself over the last couple of years. Well done. I don't think I will ever have the courage to sho...
by ofcmetz
Thu Dec 18, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 33
Views: 4846

Re: White Coat Investor in Forbes

Well done. I don't think I will ever have the courage to show my face in public . I have written a lot of financial and personal details over the last few years here and at ER.org. Are you like the phantom from the opera? Do you wear a mask when working? Seriously though, good pic and nice little a...
by ofcmetz
Tue Dec 16, 2014 7:41 am
 
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 33
Views: 4846

Re: U.S. stocks in freefall

cfs wrote:Dow down 99.99?

Relax, Santa Claus Rally is just around the corner !!!



Maybe the Santa Claus rally isn't real. Maybe it's just something our parents made up to make us want to hold stocks in December. :shock:
by ofcmetz
Mon Dec 15, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1054
Views: 184771

Re: Starting out at 35 with index funds and misc

rkhusky wrote:+1 for the Vanguard Target Retirement funds. Expense ratios of only 0.16% - 0.18% and you own pretty much the entire stock market and a broad selection of bonds.


+2 for the Target Retirement serious. You can start this fund with only $1,000 and you will be fairly diversified.
by ofcmetz
Sun Dec 14, 2014 4:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Starting out at 35 with index funds and misc
Replies: 17
Views: 1687

Re: International Vanguard Index Funds which ones?

Why don't you look at Vanguard Total International Stock Market Index Fund, VTIAX? It covers both large and small companies, both value and growth, in both developed and emerging markets. This is what we use. It's low cost and fairly diversified. It takes the effort out of international if you are ...
by ofcmetz
Sun Dec 14, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Vanguard Index Funds which ones?
Replies: 7
Views: 1158

Re: New 401K choices...need help slicing

Your question points to the need for an overall investment plan. Many here including myself, recommend that you keep an investor police statement. You can type it or write it down. It needn't be long or complicated. On it you put how much you will save as well as your asset allocation. You write whe...
by ofcmetz
Sun Dec 14, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401K choices...need help slicing
Replies: 5
Views: 337

Re: Robinhood has Zero-Commissions - are you buying stock?

For me, there are to many reasons to forgo individual stocks for indexes besides the cost of commission. I think the main three are time, complexity of execution, and lack of diversification. Now if you already are an active trader and don't use funds, then more power to you.
by ofcmetz
Fri Dec 12, 2014 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: Robinhood has Zero-Commissions - are you buying stock?
Replies: 28
Views: 6124

Re: U.S. stocks in freefall

I'm kind of hoping that instead of a Santa Rally , this year will have a ( temporary ) Grinch Plunge instead, to reduce my MRD for next year and give me a chance to do a little more Roth conversion. :greedy I'm fine with things staying flat for awhile. My returns over the last few years have alread...
by ofcmetz
Fri Dec 12, 2014 11:59 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1054
Views: 184771

Re: windfall incoming.clarify the 101 plz (noob bashing wooo

Over a year later...heh. Just wanted to bump and say thanks again to this resource. You guys got me thinking in the right direction. Thanks. I'm curious for more details. How do you have your 8 figures invested? What kind of budget does a 29 year old with 8 figures put himself on? Congrats again.
by ofcmetz
Fri Dec 12, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: windfall incoming.clarify the 101 plz (noob bashing wooo!)
Replies: 70
Views: 9771

Re: Poll: Dividend income to match annual salary?

I would need almost 6 million. If we included the family salary then that would be much more. At 2% dividends, I don't think that most from here will get there. It's more about meeting ones annual expenses. I hope for mine to be less than half of what they are now in retirement. Also, I think total ...
by ofcmetz
Tue Dec 09, 2014 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Dividend income to match annual salary?
Replies: 39
Views: 3581

Re: Taylor--thank you!!

I'm glad to see that many are still with us from that generation. Both of my grandfathers fought in WWII. I'm grateful for Taylor and all the others who helped preserve the freedom for me and my family.
by ofcmetz
Tue Dec 09, 2014 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: Taylor--thank you!!
Replies: 9
Views: 1111

Re: What's wrong with VTIAX?

Not sure if this is helpful or not, but you might consider this: According to the data used in PortfolioVisualizer Someone who averaged the same amount into a portfolio each year of either 100% U.S. or 50%/50% US/Intl (rebalanced) from 1972-2013 would have achieved pretty much the same long-term re...
by ofcmetz
Tue Dec 09, 2014 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX?
Replies: 63
Views: 7414

Re: What's wrong with VTIAX?

After awhile of investing, you will come to realize that things that have stagnated for years with low or negative returns sometimes have higher future expected returns. It is the things that people have come to discard or not want that will have to offer higher returns at some point. When you are d...
by ofcmetz
Tue Dec 09, 2014 10:43 pm
 
Forum: Investing - Theory, News & General
Topic: What's wrong with VTIAX?
Replies: 63
Views: 7414

Re: Do you celebrate financial milestones?

I celebrated with a shot of whiskey and some beer a few times when I hit some minor milestones. Since my main asset is my pension, my most exciting point was when I got where I could walk away and get paid immediately for not working. We went over the half million in net worth mark earlier this year...
by ofcmetz
Mon Dec 08, 2014 6:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you celebrate financial milestones?
Replies: 105
Views: 12078

Re: U.S. stocks in freefall

zaboomafoozarg wrote:
nisiprius wrote:"There may come a day... but this is not that day."


This day, we relabance!


Great on the reference from the movie "300". This is Bogleheads!
by ofcmetz
Sun Dec 07, 2014 12:30 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1054
Views: 184771

Re: What do you do with Fidelity Rewards?

What do you do with the money from your Fidelity Rewards Credit Card(s)? I decided to buy Fidelity's Total Market mutual fund shares with the money and give the shares to my nephews when they are older. Unless my financial plan is a disaster than sorry kids but your uncle has to eat. Yup, our Fidel...
by ofcmetz
Sat Dec 06, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 1815

Re: If your networth is over $3 million, how did you do it?

I'm not a multi millionaire, but I really enjoyed this thread. There has been a lot of wisdom shared and some great life stories told. I don't have a specific net worth goal. I only strive to live on less than we make and to spend a good portion of what we do spend on experiences vs things. Thanks t...
by ofcmetz
Wed Nov 26, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 270
Views: 33315

Re: If your networth is over $3 million, how did you do it?

The danger, of course, is that you may over-save to reach $3 million. Then, when you retire, you have enabled an expensive lifestyle that you don't want and can't enjoy. At the cost of less enjoyment during your years of saving. L. Hey, don't ever forget the joys that come with giving. I'm sure tha...
by ofcmetz
Wed Nov 26, 2014 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 270
Views: 33315

Re: Making money/career in Trading

Hi all You also pay fees in poker but with the amount of skill and bad players involved, it is easily overcome when sitting in the right games . I believe that Trading would be much tougher than poker, but with even greater rewards. I just do not know if it is luck. Opinions from people here would ...
by ofcmetz
Sat Nov 22, 2014 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Making money/career in Trading
Replies: 25
Views: 2456

Re: What percent "Boglehead" are you?

This would be a boring place to hang out if we all did things the same way and agreed on everything. I'm about 87% sure that I'm 75% a boglehead. All of my equity is in low cost index funds. Fixed income is in various low cost indexed and non-indexed places. I don't make changes often and follow my ...
by ofcmetz
Sat Nov 22, 2014 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 120
Views: 7615

Re: Paid off our Mortgage this evening!

I bought my house in April of 2007 and am not nearly paid off yet. I admit to feeling a bit jealous. Congrats OP, and thanks for sharing. I've leaned towards filling the retirement accounts with extra money, but am on a 15 year mortgage so I'll have my paid off post one day. :sharebeer
by ofcmetz
Thu Nov 20, 2014 11:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 8786

Re: Help Needed Re: Overhauled 401K Fund Choices

Generally, collective investment trusts have lower ER's than mutual funds. They don't pay out the dividends, and instead they keep then in the fund. The share values rise as the dividends are collected. CIT's also don't have the same reporting requirements as mutual funds which keeps their cost down...
by ofcmetz
Thu Nov 20, 2014 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Needed Re: Overhauled 401K Fund Choices
Replies: 7
Views: 866

Re: What to do with my TIAA-CREF Lifecycle Retirement - TCLN

I have a 403B at TIAA-CREF which I still contribute too. I only use it for the Traditional fund and the TIAA Real Estate Fund. In your situation, I'd probably just roll my assets over to Vanguard and combine it into that IRA. I think the Vanguard Target Retirement funds are superior in that they hav...
by ofcmetz
Thu Nov 20, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with my TIAA-CREF Lifecycle Retirement - TCLNX
Replies: 2
Views: 394

Re: Today is Thanksgiving Day for my family

Glad to hear it Swampy! These kinds of things have a way of putting things in perspective.
by ofcmetz
Thu Nov 20, 2014 1:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Today is Thanksgiving Day for my family
Replies: 7
Views: 1386

Re: Poll: Net cost of your checking account annually?

I use a rewards checking at a credit union associated with a local university. As long as I do one direct deposit and have 15 debit card transactions it pays me 2.25% interest on the first $10,000 in balance. I make about $18 or so a month in interest. The only cost was a one time $5 fee to join the...
by ofcmetz
Wed Nov 19, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 2778

Re: Get up to $30 back per Amex card (Small Business Sat, 11

Sweet, thanks for the heads up. I'll be on vacation in Orange Beach, AL that weekend, and it looks like there will be plenty of qualifying places there for me to spend at.
by ofcmetz
Wed Nov 19, 2014 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 76
Views: 7159

Re: Heads up best reward credit card I've seen.

I don't make my own clothes , I do own a car (two actually), and I do spend multi thousands on credit cards (though fortunately for me, relatively little goes to gas) but *I* am very interested in hearing everyone's perspective. There are many ways to skin a cat. :shock: Yes, there are many ways to...
by ofcmetz
Tue Nov 18, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 8253

Re: vtsgx

Ken Schwartz wrote:
slbnoob wrote:What was the "Signal" share class if I may ask?

It was a share class intended for institutions and advisers.


The expense ratios for both the signal and admiral classes were the same for all the funds we had.
by ofcmetz
Fri Nov 07, 2014 3:39 am
 
Forum: Investing - Theory, News & General
Topic: vtsgx [Vanguard Total Intl Stock Index, Signal share class]
Replies: 11
Views: 1301

Re: vtsgx

VTSGX was the Signal share class of Vanguard Total International Index fund, which are now defunct. I think all Signal class shares of funds were converted to Admiral shares. Check your account, do you actually now hold VTIAX instead? I'm willing to bet that this is now the case OP. You should open...
by ofcmetz
Thu Nov 06, 2014 5:29 pm
 
Forum: Investing - Theory, News & General
Topic: vtsgx [Vanguard Total Intl Stock Index, Signal share class]
Replies: 11
Views: 1301

Re: Just applied for voyager select.

If only they counted all the Vanguard funds that we own throughout our various employer sponsored plans.

Congrats on the 500K. I wish you a very quick double up to the next level. ;)
by ofcmetz
Sat Nov 01, 2014 7:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Just applied for voyager select.
Replies: 11
Views: 1824

Re: Rolling over current employer 403b to TSP

I'm assuming your rules allow you to roll partial balances over? You should consider using TIAA Traditional for part of your fixed income. In my TIAA account it works like a stable value fund with a 3% interest rate. Other than that if your plan allows those rollovers then I think your plan is sound...
by ofcmetz
Thu Oct 30, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Rolling over current employer 403b to TSP
Replies: 7
Views: 552

Re: Speculaition on Crude Oil/The Euro/and Silver

In which we catch the falling knife... We were in the Spyderco knife store in Golden, CO in June when my friend dropped an open knife he was looking at. (It was the Native model). On instinct he reached down and caught it. He then bought the knife that still his own blood on it. He said it would be...
by ofcmetz
Thu Oct 30, 2014 8:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Speculaition on Crude Oil/The Euro/and Silver
Replies: 15
Views: 1025

Re: Checking monthly - may not even notice the October "cras

OP, maybe you should update your accounts more often than once a month otherwise you may miss similar crashes in the future. Or you could go to once a year and maybe miss most of the volatility of your equities.
by ofcmetz
Thu Oct 30, 2014 8:09 am
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 51
Views: 4444

Re: $50,000 in Private Loans for Nursing Degree

OP, I would check out more than this one nursing program that you are considering. There maybe something a bit cheaper or that allows you to still work a bit as you go through it. Either way, like others have said, nursing offers great pay and work for those who are called to it. If I had a bachelor...
by ofcmetz
Sun Oct 26, 2014 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: $50,000 in Private Loans for Nursing Degree
Replies: 34
Views: 3215

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

Toons wrote:Max It Out :happy :happy


Wish I could, but I don't think the wife is up to the austerity required for that endeavor. I've maxed my 457B and our two ROTH IRA's for the last few years. Maxing the 403B and wife's 401K has proven to be beyond my willingness to scrimp and save. :D
by ofcmetz
Thu Oct 23, 2014 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7639

Re: Bauer-Ramazani v. TIAA-CREF settled

Interesting series of posts guys. In 2011 I transferred my entire 403B to TIAA-CREF from VALIC. It took over a month for the entire transfer process to take place. I think my money was out of the market for about 10 days or so in the fall of 2011. I made almost five figures due to the inadvertent ma...
by ofcmetz
Tue Oct 21, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bauer-Ramazani v. TIAA-CREF settled
Replies: 24
Views: 2442

Re: BOGLEHEAD CONTEST -- S&P at record high.

The Wizard wrote:With recent stock market volatility, this "contest" is proving once again that "Nobody Knows Nuthin" when it comes to the markets.
Regardless, I hope I win...



Hey, I picked 1729 and we are headed that way. :D
by ofcmetz
Fri Oct 17, 2014 12:08 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST -- S&P at record high.
Replies: 26
Views: 3950

Re: What are you up YTD?

I'm up to 186 pounds.

Well, I was up about 6 or 7 percent. Now only my bonds are up that much. Oh well, at least last year was a good year, but there still is time for things to change again in the last few months.
by ofcmetz
Wed Oct 15, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18763

Re: Retirement pension options -- CONFUSED!

How much would you get if you delayed taking the pension until older? Does it go up or is the $241 a month the maximum it would ever be? As someone who doesn't have any retirement savings, I would lean towards taking the pension benefit at the maximum amount you can get it too. An early withdrawal w...
by ofcmetz
Wed Oct 15, 2014 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement pension options -- CONFUSED!
Replies: 15
Views: 1362

Re: Headed for a 300+ point loss today?

Stocks don’t move up or down 20% or 25% every year. This means the 5%-band rebalancing method is quite slow. If you use this method, except in big up or down years, it will probably take several years to trigger a rebalance. Indeed, and the realization of this for the first time (I only started inv...
by ofcmetz
Wed Oct 15, 2014 10:04 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36385

Re: U.S. stocks in freefall

Headed for another big down day. Gains for the year just about wiped out for US large caps. Anybody hitting their rebalance bands?

Hang in there everyone.
by ofcmetz
Wed Oct 15, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1054
Views: 184771

Re: Headed for a 300+ point loss today?

Also as a consequence of all this, investors see markets as less risky when they have been rising (recency bias, and due to state dependent memory unable to really recall how they felt when the Dow was 7000) and so even if they identify that their risk tolerance hasn't changed, they incorrectly ass...
by ofcmetz
Tue Oct 14, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36385

Re: It's a good day to be heavy in REITs

I remember having about 20% of my investments in an actively traded REIT fund in 2008/2009. Seems like it went from almost 20 to 6 something a share. It was some kind of exciting, except not in the good kind of way.
by ofcmetz
Tue Oct 14, 2014 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 4078

Re: Does your ROTH hold risky or stable items?

We hold both equities and fixed income in our ROTH IRA's. We use funds that complement the funds we have available to us at our employer plans. I do keep at least $10K in fixed income there that would be the first money I'd access if I had to drain my cash savings for some reason. At Livesoft. 2/3'd...
by ofcmetz
Mon Oct 13, 2014 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: Does your ROTH hold risky or stable items?
Replies: 56
Views: 3550

Re: Should your AA change based on World Events?

I don't. In order to make money on information or insight, I'd have to reach your decision before everyone else does and before it is reflected in prices. There are three ways this could happen. a) I am actually in possession of illegal inside information and I act on it and don't get caught. b) I ...
by ofcmetz
Mon Oct 13, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Should your AA change based on World Events?
Replies: 22
Views: 1468

Re: U.S. stocks in freefall

I never understood the whole point deal, I don't track it enough to know what a 300 point decline is, I can understand what 2% drop is however. Right, points are meaningless. Doesn't relate to scale and they also keep changing the divisor so I'm not sure they are comparable year to year. I don't ev...
by ofcmetz
Mon Oct 13, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1054
Views: 184771

Re: Gambling versus Investing

Caduceus wrote:Dang. Probably would have been easier to just say ... I agree. :)


Easier, yes. But it makes this board much more interesting because people take the time to expound on their answers. :D
by ofcmetz
Sun Oct 12, 2014 9:39 am
 
Forum: Investing - Theory, News & General
Topic: Gambling versus Investing
Replies: 20
Views: 2888

Re: Headed for a 300+ point loss today?

Holding all or most of your wealth in CDs is never, under ANY circumstance, the right thing to do. Never. I find that it's not wise to make a statement like "never, under any circumstance" on a forum like this. That is unless you are looking to be proven wrong. I had my entire wealth at t...
by ofcmetz
Sat Oct 11, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 36385

Re: Do you see profit or ponzi?

BTW: Besides AmazingRibs.com, this is the only other forum I've ever joined which may partially explain the lameness of my posting activity. All Bogleheads who are also BBQheads should definitely check out AmazingRibs.com and delve into the science behind BBQ, terrific recipes, equipment reviews, a...
by ofcmetz
Sat Oct 11, 2014 12:05 am
 
Forum: Investing - Theory, News & General
Topic: Do you see profit or ponzi?
Replies: 109
Views: 10752

Re: Do you see profit or ponzi?

These numbers sounded familiar... http://www.sec.gov/litigation/complaints/2014/comp23109.pdf Wow! Awesome that you guys were so spot on in your recognizing of a fraud. If I were the OP, I'd remind my co-worker that he vouched for this guys charactor in the first place. I wonder if the coworker got...
by ofcmetz
Fri Oct 10, 2014 11:57 pm
 
Forum: Investing - Theory, News & General
Topic: Do you see profit or ponzi?
Replies: 109
Views: 10752
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