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Re: 1 Year Bogleheadiversary - Before and After Picture

OP, I enjoyed reading the story of your journey and how your financial life has changed. My story is similar and involves many of the same books. It's nice to finally see the light. Best of luck on your path to the 7 and then 8 figure club. :D
by ofcmetz
Fri Aug 29, 2014 9:01 am
 
Forum: Personal Finance (Not Investing)
Topic: 1 Year Bogleheadiversary - Before and After Picture
Replies: 70
Views: 9334

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

Funny how so many bogleheads own Berkshire. Never seen it mentioned until this thread. I'd guess many people do not take the same advice they give. While all my equity is in index funds, I don't think it hurts to have a small part of one's investment in something like BRK. It's not for me, but I do...
by ofcmetz
Thu Aug 14, 2014 11:10 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 110
Views: 9527

Re: Interesting BRK tidbit

If only my parents had bought me a few shares when I was born in 1979. Regrets regrets.
by ofcmetz
Thu Aug 14, 2014 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting BRK tidbit
Replies: 16
Views: 1937

Re: Reminder: Check your 401K contribution rates

I guess mine is simple. There is no match and I just set the dollar amount per check for the 457B and 403B.
by ofcmetz
Thu Aug 14, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Reminder: Check your 401K contribution rates
Replies: 27
Views: 3707

Re: That sudden moment when Money is not a Problem

Great thread. It really makes me think and reflect when I read everyone's stories. So many of life's financial choices depend on how long you think you or your loved ones may live or stay in good health. I think wisdom calls for us to find some sort of balance in this. About two years ago at the age...
by ofcmetz
Sun Aug 10, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: That sudden moment when Money is not a Problem
Replies: 33
Views: 6685

Re: U.S. stocks in freefall

One of my friends yesterday told me that since the market was down so much these past weeks it must be a good time to put a bunch more money in. I asked him how much it was down and he said over 10%. I just checked and all my funds are still up for the year. :sharebeer For "the year" and ...
by ofcmetz
Fri Aug 08, 2014 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 135459

Re: U.S. stocks in freefall

I've enjoyed this thread so much. I look back and see how I've grown as an investor just since when it first started. One of my friends yesterday told me that since the market was down so much these past weeks it must be a good time to put a bunch more money in. I asked him how much it was down and ...
by ofcmetz
Fri Aug 08, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 135459

Re: POLL: Do you own corporate bonds?

I currently use both the PIMCO Total Return Fund and the Vanguard Intermediate Term Bond Index Fund. Both contain corporate bonds.
by ofcmetz
Fri Jul 25, 2014 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2147

Re: small cap stocks overvalued

I think you need to have a written plan that you follow. For instance, I keep 20% of my investments in small cap index funds. I rebalance this once a year on a certain date and with new contributions. This is my plan and it keeps me from having to make the decisions that you are pondering.
by ofcmetz
Wed Jul 23, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: small cap stocks overvalued
Replies: 5
Views: 723

Re: Poll: Has your AA changed in the last 18 months

I voted, changed it to be more aggressive due to new circumstances. After spending a third of our portfolio to purchase 5 years of credit in my police retirement system, I adjusted our asset allocation from 60% stocks to 70% stocks. I know this change probably won't make much difference, but I feel ...
by ofcmetz
Tue Jul 22, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Has your AA changed in the last 18 months
Replies: 58
Views: 3752

Re: Invest in pricey 403(b),or skip it and go taxable?

I agree with the other posters who say go ahead and contribute. Is there possibly more then one 403B plan that she can contribute to? A lot of districts have 2 or 3 different 403B plans.
by ofcmetz
Fri Jul 18, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest in pricey 403(b),or skip it and go taxable?
Replies: 21
Views: 1362

Re: POLL: Do you have a dedicated REIT allocation?

I rode a REIT allocation through the downs and then the back ups 2007 through 2012 or so. I've since realized that my small cap index funds contain plenty of REITS and that I like holding the TIAA Real Estate Fund instead.
by ofcmetz
Wed Jul 16, 2014 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 7322

Re: Boglehead Beer

Ah, this old thread. :sharebeer

I just had a Fat Tire from New Belgium and am now enjoying an Abita Beer Co. Seersucker Summer Pils. I recommend both. Yes, it's 0857 hours here and I just finished mowing the yard after pulling a 12 hour shift that ended at 0700. Bed time is coming soon.
by ofcmetz
Tue Jul 15, 2014 9:58 am
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 386
Views: 47852

Re: Investing is starting to get boring

I prefer investing to be boring, because when it's not that means the market is crashing. I think it is wise to get excitement from other areas of life besides investing.
by ofcmetz
Mon Jul 14, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing is starting to get boring
Replies: 39
Views: 3983

Re: CD ladder emergency fun

I figured if you had 60K in an emergency fund and were considering CD's for part of it then you could instead put 10K a year into I bonds for the next few years. It would keep 50K liquid each year with only 10K being tied up. You end up with nice inflation protection and liquidity when said and done...
by ofcmetz
Mon Jul 14, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: CD ladder emergency fun
Replies: 22
Views: 2693

Re: The Great 100 thousand dollar pension question.

Can you live on $28.5K a year? That must be a very LCOL location you're in. Most folks I know in civil service jobs like yours wait to make the full pension payout - then retire. In NYC it's 20 years to get 50 percent of pay plus a variable supplement come December only having to pay into pension f...
by ofcmetz
Mon Jul 14, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: The Great 100 thousand dollar pension question.
Replies: 71
Views: 8758

Re: Have you quit your job because of your boss?

But I hate what I'm doing and hate my boss and he hates me. Should I suck it up and stay with the job or ??? Any similar experiences? dumbfounded and sick to my stomach. I'm in a situation where I work for a micro manager who bullies employees and brags about how he makes it difficult for people to...
by ofcmetz
Mon Jul 14, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7404

Re: The Great 100 thousand dollar pension question.

I figured I'd post an update to this as I've gone ahead and bought the whole five years. I wavered back and forth for a while. I purchased the 3 years out of my 457B as referenced in my previous post. After much thought and consideration, I paid for the two addition years with a transfer from my 403...
by ofcmetz
Mon Jul 14, 2014 8:16 am
 
Forum: Personal Finance (Not Investing)
Topic: The Great 100 thousand dollar pension question.
Replies: 71
Views: 8758

Re: In a crash, will you re-balance to maintain your target

I rebalance with new contributions and on a certain date every year. So, it may not be an immediate thing for me, but yes I'd rebalance.

Don't knock 80/20 till you've tried it. :sharebeer
by ofcmetz
Mon Jul 14, 2014 8:00 am
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4260

Re: CD ladder emergency fun

From the title of the thread, I thought this was about something different. I wouldn't bother getting CD's from an emergency fund just to get the few extra basis points. I would just put some in I Bonds and leave the rest in the savings account. I don't think the extra few basis points are worth the...
by ofcmetz
Mon Jul 14, 2014 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: CD ladder emergency fun
Replies: 22
Views: 2693

Re: Thoughts on 100% stock allocation for 33 year old

I'm 34 and would not recommend a 100% stock allocation. It's way to easy to overestimate ones tolerance for risk. Of course, I'm reading Benjamin Roth's diary about the great depression right now. I personally keep 20% in fixed income and 10% in the TIAA Real Estate Fund.
by ofcmetz
Mon Jul 14, 2014 7:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6467

Re: Your net worth/investments when you started saving less

When earning income, I subscribe to the live below your means philosophy. I also like the idea of finding balance between spending and saving. The balance of preparing for a tomorrow that you may or may not be there for, while enjoying things that are important today is what I'm seeking. We find tha...
by ofcmetz
Mon Jul 14, 2014 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Your net worth/investments when you started saving less
Replies: 17
Views: 2416

Re: What is the average time for a 401k/403b deposit?

I work for the government and my wife works private. My 403B deposits always go in the last day of the month no matter when I got paid. My 457B takes around 2 weeks or more. Her 401K takes about 3 days after she's paid.
by ofcmetz
Fri Jul 11, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: What is the average time for a 401k/403b deposit?
Replies: 8
Views: 723

Re: Am I on the right track at age 34?

I'm 34 and vote for saving more. I make a similar amount but I have two kids and a wife who works. I'd shoot for at least 20% savings rate not counting the employer match. Single with no kids, Id actually be saving more than that. Just my two cents.
by ofcmetz
Sat Jul 05, 2014 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track at age 34?
Replies: 19
Views: 2350

Re: Do I have too much in my 401k / Roth ? 33 single Male

I agree with Livesoft. I actually wish that more of my net worth was in 401K and ROTH accounts. Don't forget that you can access ROTH IRA deposits for emergencies in a pinch.
by ofcmetz
Sat Jul 05, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do I have too much in my 401k / Roth ? 33 single Male
Replies: 7
Views: 1195

Re: Investing with low income

I vote for a combination of I Bonds and an online savings account.
by ofcmetz
Sun Jun 29, 2014 1:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing with low income
Replies: 7
Views: 826

Re: stock in roth ira and normal trade account

thanks. sorry but what is AA? AA is your asset allocation. It is recommended that investors have a plan. Part of this plan is the allocation percentage that you want to have in stocks and in fixed income. Breaking it down farther, you can list the allocation of various types of stocks within your s...
by ofcmetz
Fri Jun 27, 2014 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: stock in roth ira and normal trade account
Replies: 4
Views: 149

Re: Would you change stock allocation based on market condit

How about if PE 10 gets to 50 or we reach Japan level valuations before the crash? Do we just stick to the plan or do something? The question is ever. So, if PE's got to 100, then yes I may look at changing things. I think we all should use our brains, but in the mean time we should pick a reasonab...
by ofcmetz
Sun Jun 22, 2014 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: Would you change stock allocation based on market conditions
Replies: 37
Views: 1788

Re: Is the first million really the hardest?

So far is has been for me. I've only been in the game for 10 years now though.
by ofcmetz
Wed Jun 11, 2014 11:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is the first million really the hardest?
Replies: 64
Views: 7832

Re: Using 100% Stable Value as bond allocation

I like the 50%/ 50% option better. It makes sense to be more diversified past one stable value fund in my opinion.
by ofcmetz
Wed Jun 11, 2014 11:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using 100% Stable Value as bond allocation
Replies: 31
Views: 2693

Re: Rookie here...What do we do with our 403(b)?

What is your desired asset allocation? I would read up in the wiki and get a little learning in. Unless there are some unique funds in the 403B that you don't want to lose, then I would probably just transfer it to an IRA. More often than not the IRA will have lower fees and more investment options.
by ofcmetz
Tue Jun 10, 2014 2:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rookie here...What do we do with our 403(b)?
Replies: 11
Views: 511

Re: Bernstein: A Decade of Super-Low Returns

I'm OK with my portfolio having a real yearly return of 2.5% to 3% after inflation. Actually, it is what I have been expecting. I think that it should motivate people to save more and spend a bit less. If we get better returns then we can adjust our plans accordingly along the way.
by ofcmetz
Mon Jun 09, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17510

Re: How do cash / bonds affect current AA?

I can only tell you what I do. My emergency fund and any short term saving goals are not considered in my asset allocation. As previous posts have suggested, I also consider my "bond" allocation loosely. "Bonds" include I bonds, CD's, and Total Bond Market, unless some of it is ...
by ofcmetz
Mon Jun 09, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do cash / bonds affect current AA?
Replies: 9
Views: 451

Re: How do cash / bonds affect current AA?

I look at my portfolio as the money that I'm investing to fund income needs later in life when I'm not working or not working as much. The money I have put toward this is classified as fixed income and equity. Any cash that I plan to invest, bonds, stable value, bond funds would fall under fixed inc...
by ofcmetz
Mon Jun 09, 2014 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do cash / bonds affect current AA?
Replies: 9
Views: 451

Re: What are you doing with the market at an all time high?

I'm doing the same as before. Investing with each paycheck into my asset allocation. I'm actually a little bit more aggressive with my portfolio since purchasing some pension credit earlier in the year.
by ofcmetz
Mon Jun 09, 2014 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you doing with the market at an all time high?
Replies: 95
Views: 6568

Re: Poll: Are you going to retire? And if so, when?

I will retire from the current job in my 40's. Whether I ever stop working will depend on health, wealth, and employability.
by ofcmetz
Thu May 29, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Are you going to retire? And if so, when?
Replies: 49
Views: 5002

Re: need emerging markets?

I couldn't decide how much EM to hold, so I just have the amount in the Total International Index. For years we used the EAFE Index funds and did fine. Now that our retirements accounts offer the more diversified fund, we hold that instead. I think you need to understand why you want to have EM. If ...
by ofcmetz
Tue May 20, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: need emerging markets?
Replies: 8
Views: 711

Re: Pay Off Student Loans or Invest?

If it were me I would work on that 6.8% loan. Is it possible to max your 401K and pay the loans at the same time?
by ofcmetz
Sun May 18, 2014 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Pay Off Student Loans or Invest?
Replies: 35
Views: 2995

Re: When did you tell your children how much you had amassed

Congrats on the achievement. I may have to wait till my second career after I retire from law enforcement to reach the 7 figure mark. (I'm typing this while working an overtime detail at an apartment complex). I would wait till after college and he has started his career before going over specific n...
by ofcmetz
Sun May 18, 2014 12:20 am
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 11037

Re: Poll: Do you own Total Bond Market?

I own a similar but different fund, the Intermediate Term Bond Index Fund. I liked its 50% treasury/ 50% corporate bond mix as well as it's lack of MBS. I really think that the TBM fund is probably going to perform very similar to the one I own and that you are fine owning it in tax advantaged accou...
by ofcmetz
Sun May 11, 2014 8:52 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own Total Bond Market?
Replies: 50
Views: 4518

Re: "Investors, How Dumb Are You?"

My investments are 90%+ in CDs, deferred annuities, and munis. I suppose I am an outlier, which, to many people, sounds "dumb". On the other hand, I have never lost money with my investments. You are at risk to losing money to inflation. Of course if your wealth is vast then that may not ...
by ofcmetz
Sun May 11, 2014 8:49 am
 
Forum: Investing - Theory, News & General
Topic: "Investors, How Dumb Are You?"
Replies: 51
Views: 6132

Re: Getting Married! Is my plan still our plan?

Just make sure you both have similar financial goals. Marriages where one spouse has the priority of spending and the other one has the priority of saving and building wealth don't work well financially speaking. I would definitely talk a lot about money prior to tying the knot. Also, since people t...
by ofcmetz
Sat May 10, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Getting Married! Is my plan still our plan?
Replies: 17
Views: 1899

Re: Should I Consider Market Timing w/ Index Fund Share Buy?

To take the timing and guess work out of things, I simply recommend people put money into their investments when they have money available to do so. Make a plan that doesn't involve the need to guess or market time.
by ofcmetz
Sat May 10, 2014 5:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Consider Market Timing w/ Index Fund Share Buy?
Replies: 28
Views: 2335

Re: 401K Money gone!?!

Well, her company posted something on their website today. They claim the new company mailed out letters a month ago, but none of the four other people she works with received anything. Looks like the blackout period is between April 23 and May 18. Funds are supposed to be always invested in whateve...
by ofcmetz
Mon May 05, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Money gone!?!
Replies: 29
Views: 5886

Re: 401K Money gone!?!

That's just astonishing. But put it up to total cluelessness on the part of the management of this organization, especially the attitude of her manager. There is an old saying not to ascribe to maliciousness that which can be explained by incompetence, but there are instances of incompetence in som...
by ofcmetz
Sun May 04, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Money gone!?!
Replies: 29
Views: 5886

Re: 401K Money gone!?!

Thanks for the replies so far. Should I assume the money will not be in the stock market anymore for a while because of this? When investments are changed within the 401K they are usually mapped into similar investments during a certain day. Is that the same when 401K's change providers. I'm really ...
by ofcmetz
Sat May 03, 2014 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Money gone!?!
Replies: 29
Views: 5886

Re: 401K Money gone!?!

Sounds like your 401k is about to get much more expensive. PNC seems to have an interest in Blackrock, so perhaps that is what your new funds will be. Certainly a huge pr snafu to not tell the employees about such a move. I wonder it it violates any sec rules? Mike My 457B has Blackrock index funds...
by ofcmetz
Sat May 03, 2014 1:23 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Money gone!?!
Replies: 29
Views: 5886

Re: Am I heading in the right direction?

You are indeed headed in the right direction. I suggest that you don't worry about having admiral or investor shares. The difference in fees is only around $10 to $20 for every $10,000 invested. Those basis points only matter for the multi hundred thousand portfolios. Instead I would go one of two w...
by ofcmetz
Sat May 03, 2014 1:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Updated Portfolio questions
Replies: 12
Views: 1287

Re: 401K Money gone!?!

Wow, talk about leaving the employees in the dark. hmmm,maybe they thought no one would notice or care!? Her immediate boss who works in another state said, "You check your 401K online. I've never done that in 12 years. Why would you want to do that when they send out statements every quarter?...
by ofcmetz
Fri May 02, 2014 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Money gone!?!
Replies: 29
Views: 5886

Re: 401K Money gone!?!

If you have moved or gotten new email addressed then notification could have been sent by snail mail or email and you might not have gotten it. Or it could have gotten lost in the mail. Also check your spam folder if you normally hear from them by email. My wife sent an after hours email and just g...
by ofcmetz
Fri May 02, 2014 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Money gone!?!
Replies: 29
Views: 5886
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