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Re: Job change dilemma ...

If it were me the change in scenery, friends, geography, and stress would be the things I'd worry about more than the slightly smaller salary. Best of luck on the tough decision.
by ofcmetz
Tue Sep 30, 2014 8:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Job change dilemma ...
Replies: 8
Views: 1118

Re: CNN: 5 investing secrets of the wealthy.

Overall, I though it was a nicely written article with good advice. It's an article that shouldn't do any damage to investors like a lot of junk that gets written.
by ofcmetz
Tue Sep 30, 2014 7:16 pm
 
Forum: Investing - Theory, News & General
Topic: CNN: 5 investing secrets of the wealthy.
Replies: 19
Views: 2901

Re: Why I sold my gold, and would sell commodities too

So, it seems we have some Bogleheads arguing for gold? I would have expected a few attaboys for finally seeing the light. :wink: Attaboy!. I don't own any gold, but my wife did give me some permission to buy some for her in the form of jewelry whenever I wish to. I don't like owing assets as invest...
by ofcmetz
Mon Sep 22, 2014 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why I sold my gold, and would sell commodities too
Replies: 56
Views: 4020

Re: Alibaba is NOT coming to an index near you

As an index investor, should it bother you either way if its included in a broad based index. It would be such a small portion anyway, right?
by ofcmetz
Fri Sep 19, 2014 9:55 am
 
Forum: Investing - Theory, News & General
Topic: Alibaba is NOT coming to an index near you
Replies: 33
Views: 3644

Re: Alibaba - how is style determined

This looks like the best deal since The South Sea Company in 1711. I really hope that none of this stock makes it into my Vanguard Index Funds, or I might start thinking about buying individual stocks instead. China is about 3.9% of the Total International Index Fund. I really don't see how this wo...
by ofcmetz
Tue Sep 16, 2014 7:34 am
 
Forum: Investing - Theory, News & General
Topic: Alibaba - how is style determined
Replies: 14
Views: 1321

Re: CalSTRS 403(b) Pension2 to migrate to Voya/ING

I got the same postcard and have been very alarmed by the forced liquidation and re-allocating of my existing investments (90% of my account is slated to be moved to different funds, some notably inferior). I suspect that most people invested with Pension2 will have a much smaller percentage of re-...
by ofcmetz
Sun Sep 14, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: CalSTRS 403(b) Pension2 to migrate to Voya/ING
Replies: 16
Views: 1493

Re: $1.99 Amazon Kindle Special on Larry's Book

It's showing that it sells for $9.99 now. Guess I missed the sale.
by ofcmetz
Sun Sep 14, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: $1.99 Amazon Kindle Special on Larry's Book
Replies: 3
Views: 1391

Re: Alibaba - how is style determined

No way I'd buy it as a individual stock. Owning it as a small part of the Total International Index doesn't bother me a bit.
by ofcmetz
Sun Sep 14, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Alibaba - how is style determined
Replies: 14
Views: 1321

Re: Jack Bogle on Diversified Portfolios vs Speculation

Thanks for posting. That was a wonderful interview and watching it was a great way to spend my morning.
by ofcmetz
Fri Sep 12, 2014 9:46 am
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle on Diversified Portfolios vs Speculation
Replies: 5
Views: 810

Re: Why is WMT not in top 10 holding in VTSAX

You are exactly right. About ten years ago, S&P decided to adjust their weightings based on free float. Here's a relevant article: http://www.bloomberg.com/apps/news?pid=newsarchive&sid=atbHmb_7aLqk Thanks, that was exactly what I was looking for. I'd never heard how free float relates to i...
by ofcmetz
Thu Sep 11, 2014 6:56 am
 
Forum: Investing - Theory, News & General
Topic: Why is WMT not in top 10 holding in VTSAX
Replies: 3
Views: 752

Re: Are Mid Caps the NEW Small Caps

Mid-caps are the old small-caps. Here is the M* 9-box style grid for the Vanguard Small-cap Value Index fund: 00-00-00 18-16-05 32-22-07 That's 39% in mid-caps for a fund that has a name small-cap value index. Here is the style grid for VFSVX which is the Vanguard FTSE all-world ex-US small-cap for...
by ofcmetz
Thu Sep 11, 2014 12:27 am
 
Forum: Investing - Theory, News & General
Topic: Are Mid Caps the NEW Small Caps
Replies: 15
Views: 1716

Why is WMT not in top 10 holding in VTSAX

I assumed that a fund like the Vanguard Total Stock Market Index held stocks according to the company's size. These types of index funds are called cap weighted indexes, correct? Anyway, why is a company like Wal-Mart not in the top 10 holdings when it's market cap falls somewhere between Chevron an...
by ofcmetz
Thu Sep 11, 2014 12:23 am
 
Forum: Investing - Theory, News & General
Topic: Why is WMT not in top 10 holding in VTSAX
Replies: 3
Views: 752

Re: Treasury Direct, back in!

I'm just a cop and I have no problem logging on to my Treasury Direct account whenever I need to. I wonder why its so hard for you to do? :twisted:
by ofcmetz
Thu Sep 11, 2014 12:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct, back in!
Replies: 1
Views: 917

Re: First Job and Portfolio Question

Welcome to the forum. I assure you, it wasn't me that wrote you a ticket. You have a fine choice of funds in your 401K. I tilt towards small cap, and think it's ok to do as long as you stick to your plan and understand your reasons for tilting. The main danger is abandoning your plan when something ...
by ofcmetz
Thu Sep 11, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: First Job and Portfolio Question
Replies: 2
Views: 364

Re: Fixed income placement

My wife's 401(k) has Vanguard Intermediate Bond Index VBIIX available at 0.20% ER, which is where our entire bond portfolio currently sits. The next best / only other reasonable option in her account is JPMorgan US Equity Fund Select JUESX, which works for allocation needs but carries a 0.79% ER. T...
by ofcmetz
Wed Sep 10, 2014 11:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed income placement
Replies: 7
Views: 873

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: 9716

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: 9608

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: 1952

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: 3718

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: 6741

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: 136902

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: 136902

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: 2197

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: 732

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: 3772

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: 1369

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: 7625

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: 48407

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: 4201

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: 2709

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: 8849

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: 7456

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: 8849

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: 4274

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: 2709

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: 6507

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: 2453

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: 741

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: 2361

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: 1199

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: 829

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: 152

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: 1813

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: 7861

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: 2716

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: 517

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: 17859

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: 453

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: 453

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: 6605
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