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by ofcmetz
Sun Jul 26, 2015 10:25 am
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 66
Views: 5019

Re: 50/50 asset allocation

How much difference do you expect between a 50/50 allocation and a 60/40 one? I would be fine holding the balanced fund if I were like you and preferred to avoid international.
by ofcmetz
Sat Jul 25, 2015 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Golden handcuffs - help with vested retirement plan
Replies: 28
Views: 2966

Re: Golden handcuffs - help with vested retirement plan

Do you like the job? If you stay the 6 years do you pass up where you would be if you made a normal income and did your own retirement savings?
by ofcmetz
Sat Jul 25, 2015 1:10 pm
Forum: Investing - Theory, News & General
Topic: "Has the Index Fund Won?" by Jack Bogle
Replies: 7
Views: 1957

Re: "Has the Index Fund Won?" by Jack Bogle

Thanks for telling us about the article and the quotes. I like the reminders I get with I log on here as to why I use index funds and don't try to trade. I don't think I will hold them forever, but I at least plan to hold them until I need to sell for income in retirement.
by ofcmetz
Fri Jul 24, 2015 6:03 pm
Forum: Investing - Theory, News & General
Topic: My thoughts on the Greek crisis
Replies: 8
Views: 1564

Re: My thoughts on the Greek crisis

Thanks for taking the time to put your thoughts together. I enjoyed reading it and it helps me remain calm.
by ofcmetz
Tue Jul 21, 2015 2:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4848

Re: livesoft surpasses 40,000 posts!

Most people don't know this but livesoft is a computer program that Taylor and Mel developed while on vacation together one July many years ago. Have they also developed microsoft? Victoria microsoft is livesoft's child. He's the reason livesoft has so much time to post and doesn't have to work any...
by ofcmetz
Tue Jul 21, 2015 2:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 4848

Re: livesoft surpasses 40,000 posts!

Most people don't know this but livesoft is a computer program that Taylor and Mel developed while on vacation together one July many years ago.

Just kidding. That amount of posts is simply amazing. Thanks for your contributions to this site.
by ofcmetz
Sun Jul 19, 2015 10:47 pm
Forum: Investing - Theory, News & General
Topic: "Behind Vanguard's Surprising China Decision"
Replies: 22
Views: 4087

Re: "Behind Vanguard's Surprising China Decision"

Thanks for linking to the video. I for one hope they reconsider the decision to include Chinese A shares in any of their funds. From what I've seen and read lately, they don't trade freely enough and are too manipulated by the government to be something I'd want to own.
by ofcmetz
Sun Jul 19, 2015 10:29 pm
Forum: Investing - Theory, News & General
Topic: When did you start investing in the Market?
Replies: 60
Views: 3295

Re: When did you start investing in the Market?

I started an IRA by buying a 5 year CD in mid 2001. I first bought stocks in 1998 while working part time at Wal-Mart. My first serious mutual fund investing began in 2005. I'm 35 years old.
by ofcmetz
Wed Jul 08, 2015 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: 457b dividends explained please.
Replies: 4
Views: 379

Re: 457b dividends explained please.

From the EAFE index fund I have available to me. The Fund is an "index fund" that seeks investment results that correspond generally to the price and yield performance, before fees and expenses, of a particular index (its "Underlying Index"). The Fund is a collective investment t...
by ofcmetz
Wed Jul 08, 2015 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: 457b dividends explained please.
Replies: 4
Views: 379

Re: 457b dividends explained please.

I'm a state employee of Louisiana. My 457b Blackrock index funds are in collective investment trusts. They show share values, but do not pay dividends. Instead the funds go up by the amount the underlying shares increase plus what the dividends pay. These are actually cheaper than most mutual funds....
by ofcmetz
Wed Jul 08, 2015 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Folks, it's hardly a rout
Replies: 4
Views: 1487

Re: Folks, it's hardly a rout

What are we talking about?
by ofcmetz
Tue Jul 07, 2015 7:25 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg - "The Hugely Profitable, Wholly Legal Way to Game the Stock Market" (Front running index fund purchases)
Replies: 43
Views: 4447

Re: Bloomberg - "The Hugely Profitable, Wholly Legal Way to Game the Stock Market" (Front running index fund purchases)

Unfortunately our company retirement plans only use Russell indexes or S&P 500 indexes. Fortunately, the ER's are around 0.1%. I don't think the front running is costing me anywhere near what I'm saving on expenses. Is R1000 available? There's actually less money indexed to that than the R2000 ...
by ofcmetz
Tue Jul 07, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: New tires - where to buy, how to get a good deal?
Replies: 50
Views: 5256

Re: New tires - where to buy, how to get a good deal?

We've bought at Sam's for over a decade and have found them to give good service with a very good price.
by ofcmetz
Tue Jul 07, 2015 2:00 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg - "The Hugely Profitable, Wholly Legal Way to Game the Stock Market" (Front running index fund purchases)
Replies: 43
Views: 4447

Re: Bloomberg - "The Hugely Profitable, Wholly Legal Way to Game the Stock Market" (Front running index fund purchases)

Unfortunately our company retirement plans only use Russell indexes or S&P 500 indexes. Fortunately, the ER's are around 0.1%. I don't think the front running is costing me anywhere near what I'm saving on expenses.
by ofcmetz
Tue Jul 07, 2015 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: 403b allocation help
Replies: 5
Views: 301

Re: 403b allocation help

I'd go 100% in VFIAX 0.05% 500 Index fund. I agree with using taxable and ROTH IRA for international and fixed income for now.
by ofcmetz
Tue Jul 07, 2015 1:22 pm
Forum: Investing - Help with Personal Investments
Topic: Thanks to Forum Administrators
Replies: 16
Views: 1629

Re: Thanks to Forum Administrators

I'm always grateful for this site and those who go out of their way to keep things running smoothly here. :sharebeer
by ofcmetz
Tue Jul 07, 2015 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Vs Fidelity for Brokerage Account
Replies: 8
Views: 812

Re: Vanguard Vs Fidelity for Brokerage Account

I would definitely go with Vanguard if Vanguard index funds are the ones that you plan to use. I use Vanguard for our ROTH IRA's in a brokerage account form. I also use Fidelity for the little bit of taxable investing I use. I find them both to be adequate for my needs, but I'm not a trader and just...
by ofcmetz
Tue Jul 07, 2015 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k funds
Replies: 5
Views: 346

Re: Help choosing 401k funds

What's a good allocation between domestic, international, and bonds across all portfolios? My wife and I are the same age (both 34/35), so we won't be drawing on these for at least 25 years. 50% Domestic, 30% International, 20% Bonds? With the bond percentage going up about 1% per year? I might be ...
by ofcmetz
Tue Jul 07, 2015 3:27 am
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k funds
Replies: 5
Views: 346

Re: Help choosing 401k funds

I would use the Vanguard 500 for US Equity, Vanguard Total Bond for fixed income, and American Funds Europacific for international. Another option is to do some of your international in the ROTH IRA if you want to be totally indexed. You should figure out next what your allocation will be between fi...
by ofcmetz
Mon Jul 06, 2015 2:32 pm
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 25873

Re: The next Lehman - this week? [Greek default]

Interesting how this thread and crisis just pick right back up 4 years apart. I'm not doing anything right now as I'm very close to my desired investment percentages. Whenever my 457B, 403B, and wife's 401K money go in this month is when I'll be buying. If there is a big drop of international over t...
by ofcmetz
Wed Jul 01, 2015 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tell Me I'm Stupid To Consider Quitting My Job and Moving
Replies: 157
Views: 38080

Re: Tell Me I'm Stupid To Consider Quitting My Job and Moving

OP, there are jobs that are more fun and enjoyable, but may not pay as much as you are making now. I think right now in your shoes I'd be looking for one of them in a city that I wanted to live at. If your next job just covered most of your expenses and your portfolio was allowed to grow without bei...
by ofcmetz
Tue Jun 30, 2015 9:46 pm
Forum: Investing - Theory, News & General
Topic: Emergdoc on Mr. Money Mustache
Replies: 186
Views: 21597

Re: Emergdoc on Mr. Money Mustache

Very nice post Emergdoc. I enjoyed reading the article and the comments. I'm not sure I'd be totally happy without any work to do, but think I'd be happier if I wasn't required to work to pay the bills. Right now I'm in a not ideal place with regards to my job (boss) so being financially independent...
by ofcmetz
Mon Jun 29, 2015 9:46 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 27799

Re: What ratio are you stocks/bonds and how old are you?

Him age 35. Her age 39

Our portfolio is 70% equities, 20% fixed income, and 10% TIAA Real Estate.
by ofcmetz
Mon Jun 29, 2015 9:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1397
Views: 276823

Re: U.S. stocks in freefall

Question: How many daily declines of 1.5% or more have occurred in the S&P 500 since January 1, 2014? Answer: 13 Question: How many daily declines of 2.0% or more have occurred in the S&P 500 since January 1, 2014? Answer: 6 Don't jump out a window. Rick Ferri For some reason I thought ther...
by ofcmetz
Fri Jun 26, 2015 9:41 am
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 5436

Re: Did 2008 change your investing strategy?

At age 28 in 2008 I knew very little about investing. I was close to 100% equity. Now I'm at 70% equity and have a much better idea as to what to do. In 2008 I really didn't do anything different than previous years, just kept putting the same money into the same funds. I did think it was weird that...
by ofcmetz
Wed Jun 24, 2015 9:10 am
Forum: Investing - Theory, News & General
Topic: What does it mean to be FIRE?
Replies: 30
Views: 3146

Re: What does it mean to be FIRE?

What constitutes financial independence or early retirement? It's simple. You are financially independent when the income from the combination of your portfolio and pension/ social security pay for your living expenses. Actually, its not that simple because everyone has their own definition of &quo...
by ofcmetz
Wed Jun 24, 2015 8:51 am
Forum: Investing - Theory, News & General
Topic: Small Cap Index - What % of equities?
Replies: 74
Views: 7441

Re: Small Cap Index - What % of equities?

About 28% of our portfolio is in the Vanguard Small Cap Index Fund. That comes out to 20% of the total portfolio.
by ofcmetz
Tue Jun 23, 2015 8:09 am
Forum: Personal Finance (Not Investing)
Topic: How much house can I afford (Los Angeles)?
Replies: 15
Views: 2650

Re: How much house can I afford (Los Angeles)?

How much are you planning to borrow? I can tell you that being house poor sucks big time. You need to really have an idea of your expenses in addition to the mortgage payment. Know what your taxes, utilities, internet, home owners fees etc are. You should also leave some cushion in your budget for u...
by ofcmetz
Mon Jun 15, 2015 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on choosing a Vanguard bond fund
Replies: 20
Views: 2986

Re: Advice on choosing a Vanguard bond fund

We use the Intermediate Term Bond Index Fund for our Bond allocation, but only because we can purchase the institutional shares for it in my wife's 403B. I would go with Total Bond Market in your plan as its a great fund and by far the cheapest for you.
by ofcmetz
Sat Jun 13, 2015 8:31 am
Forum: Investing - Theory, News & General
Topic: Parents are late to the game
Replies: 12
Views: 2050

Re: Parents are late to the game

It is not too late for your parents. My history may be an example. We had 2 children. They wouldn't have to pay their way to college. because we could afford to send them. The kids were more important to us than our retirement. We actually saved and invested relatively little until after they gradu...
by ofcmetz
Wed Jun 10, 2015 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Inheritance and Economic Outpatient Care for a Boglehead
Replies: 70
Views: 5098

Re: Inheritance and Economic Outpatient Care for a Boglehead

We've received a lot of the intangibles. They have given us lots of help with getting the kids to and from private school as well as a ton of free last minute child care (a nurse and police officer need this). My inlaws gave us $5,000 once as a small share of their 6 figure inheritance from my wife'...
by ofcmetz
Wed Jun 10, 2015 8:37 am
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 6615

Re: What Percent Of Your Annual Expenses Are Property Taxes?

I pay $2,000 tax on a $260,000 house. Not sure what percentage as my annual expense varies from year to year. Sales tax and income tax is a bit higher here in Louisiana than some places, so I'm sure I'm paying about the same in state/ local taxes.
by ofcmetz
Sun Jun 07, 2015 7:59 am
Forum: Investing - Theory, News & General
Topic: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me
Replies: 40
Views: 5234

Re: Year long hiatus from Bogleheads: How I found the 3-fund portfolio was right for me

Call_Me_Op wrote:I am a tilter and very comfortable with the decision. Off for a nice walk. :)


I like tilting towards small cap. It makes me a much more interesting person. :twisted:
by ofcmetz
Sun Jun 07, 2015 7:52 am
Forum: Investing - Theory, News & General
Topic: "How to React When the Bear's Hibernation Ends"
Replies: 48
Views: 7623

Re: "How to React When the Bear's Hibernation Ends"

Should you be concerned? Not if you have created a smart portfolio allocation between stocks and bonds that reflects the reality of periodic bear markets. Thanks for the link to the article It's so easy to talk about what you would do while things are going well. Much harder to put into practice wh...
by ofcmetz
Sun May 17, 2015 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) questions with state pension
Replies: 14
Views: 1073

Re: 457(b) questions with state pension

OP, good to see other cops on here. I work with so many cops who work a ton of extra duty and overtime and still never seem to get ahead. That's what is so wonderful about using a tool like the 457B. You have your savings taken out just like taxes and then you could spend the rest and not feel like ...
by ofcmetz
Sun May 17, 2015 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) questions with state pension
Replies: 14
Views: 1073

Re: 457(b) questions with state pension

OP, I'm in a similar position as you. The difference being that as a police officer I work a lot of overtime which is not accounted for in my pension calculation or contribution. I contribute to a 457B as well as a ROTH IRA. Our state retirement system is very hit or miss on giving cost of living ad...
by ofcmetz
Sun May 17, 2015 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off student debt by selling off taxable account assets
Replies: 16
Views: 872

Re: Pay off student debt by selling off taxable account assets

More importantly is that you avoid lifestyle inflation until after you get these debts paid off. Whether you sell some investments now and get started or just pile a lot of your new income into them isn't going to make a huge difference in the long run. Putting off buying the new car, bigger house, ...
by ofcmetz
Sun May 17, 2015 4:47 pm
Forum: Investing - Theory, News & General
Topic: THANK YOU Bogleheads!
Replies: 9
Views: 1749

Re: THANK YOU Bogleheads!

Congrats Culture on reaching your goal! So good to hear success stories like yours.
by ofcmetz
Thu May 14, 2015 6:35 pm
Forum: Investing - Theory, News & General
Topic: Our Mistakes Benefit Future Generations
Replies: 18
Views: 3309

Re: Our Mistakes Benefit Future Generations

Congrats so far and nice article. I am very curious to see how all these robo advisors with index funds do going forward. I'm too much of a do it your self type, but I know many who would be served well by that service.
by ofcmetz
Tue May 12, 2015 11:13 am
Forum: Investing - Theory, News & General
Topic: Are we experiencing a bond correction or crash?
Replies: 34
Views: 5993

Re: Are we experiencing a bond correction or crash?

I agree that bond funds like TBM shouldn't reach the 20% threshold that qualifies as a crash. At least it shouldn't reach this quickly. If we are going back towards more historical interest rates then I'd expect a slow erosion of asset values to be replaced by higher yield. I'm ready to get through ...
by ofcmetz
Fri May 08, 2015 11:35 pm
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 70
Views: 6126

Re: Poll: Increasing international equities

I do total market for international mainly because most of our investments are through employer sponsored plans and that is simply the best option. We are at a target of 35% of equities for international. That is the same as last year. I can see doing anywhere from 20 to 50% of equities in internati...
by ofcmetz
Wed May 06, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: If I Knew Then What I Know Now
Replies: 61
Views: 13173

Re: If I Knew Then What I Know Now

I just found this thread and really enjoyed reading it. Even the 35 year old me can get something from it. Thank you for taking the time to share it with us and Geaux Tigers.
by ofcmetz
Tue May 05, 2015 10:26 pm
Forum: Investing - Theory, News & General
Topic: Omaha this weekend
Replies: 29
Views: 2921

Re: Omaha this weekend

Tickets are on sale for the College World Series. Hey, it's at TD Ameritrade Park. I went to the CWS in 2012. We stayed in the old market area for 12 wonderful nights at a condo we rented. It's still the best vacation we've ever taken even though our hometown LSU didn't quite make it. The Buffett p...
by ofcmetz
Thu Apr 30, 2015 8:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Market Index [Exp.Ratio] now only 0.07%
Replies: 20
Views: 3923

Re: Vanguard Total Bond Market Index [Exp.Ratio] now only 0.

My small cap index admiral shares also shed a basis point in ER. Maybe ER's can go negative like European bond yields and the funds can pay us to invest. :sharebeer
by ofcmetz
Thu Apr 30, 2015 8:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's CEO on what has changed and what hasn't.
Replies: 4
Views: 1256

Re: Vanguard's CEO on what has changed and what hasn't.

Thanks for posting and calling my attention to this article. It was an interesting read. Today, there are roughly 20 million investors who have entrusted more than $3 trillion to us. That is a staggering level of trust, and we have to work hard each and every day to be worthy of it. More broadly, I ...
by ofcmetz
Mon Apr 20, 2015 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Am I saving too much for retirement?
Replies: 27
Views: 4930

Re: Am I saving too much for retirement?

I don't think you are saving too much. I would continue to save as so much is unknown at this point. Also, it will keep you from needing as much in retirement as you are used to living less. If you already had a few million saved then my answer might be different.
by ofcmetz
Mon Apr 13, 2015 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 14009

Re: Household Gross Income Poll

I found the poll and resulting thread interesting. Luck is involved yes, but hard work helps as well. I'd much rather talk to someone who is richer than me about gaining wealth than someone who isn't. That's why I come to this forum rather than asking my broke coworkers questions about investing and...
by ofcmetz
Thu Apr 09, 2015 8:48 am
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 17687

Re: The $1 Million Goal: Source of Motivation or Discouragem

When I was 25 I decided that I wanted me to be a millionaire by the time I was 40 (I'm married so the goal is for two people combined which is a bit more attainable). A million seemed like a lot and I wanted to set the bar high. It motivated me to start learning about investing and finance. As I lea...
by ofcmetz
Mon Apr 06, 2015 6:33 am
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 9897

Re: Did you learn anything from 2008?

I learned that being distracted from the financial news will keep one from making detrimental mistakes. The birth of my daughter in the middle of the year and a severe hurricane (Gustav) in the latter part of the year kept me too preoccupied to make any changes to my investments. Investments on auto...
by ofcmetz
Mon Apr 06, 2015 6:26 am
Forum: Investing - Theory, News & General
Topic: Bored -- wondering about day trading for fun
Replies: 61
Views: 6369

Re: Bored -- wondering about day trading for fun

Bored, try playing Hearthstone on your computer or tablet. Get on this site at the same time and read threads while posting when you can help out. I would rather bring that 1K to the casino than day trade with it.

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