Search found 477 matches

by red5
Sat Aug 01, 2015 10:18 am
Forum: Personal Consumer Issues
Topic: What's Your Monthly Food/Groceries Spending? My is through the roof?
Replies: 65
Views: 3071

Re: What's Your Monthly Food/Groceries Spending? My is through the roof?

In a low cost of living medium sized southern city so far this year we are averaging $330 per month for two adults and two elementary aged children.
by red5
Thu Jul 30, 2015 6:06 am
Forum: Investing - Theory, News & General
Topic: Is comparisons between money-weighted vs time-weighted returns fair?
Replies: 16
Views: 886

Re: Is comparisons between money-weighted vs time-weighted returns fair?

So say for example someone is putting away a portion of their paycheck every two weeks into their 401k and investing it in an asset like stocks/bonds that generally goes up over time. Say he's putting the money in the Balanced Index Fund over the period of 2014. It's total return from January 1st t...
by red5
Wed Jul 29, 2015 5:51 am
Forum: Investing - Theory, News & General
Topic: XIRR - dividends, and creating YTD figures
Replies: 9
Views: 600

Re: XIRR - dividends, and creating YTD figures

Hi all I have a couple of questions on XIRR. One basic, and one which I hope might help a few people. 1. The first is about reinvested dividends. I get the rationale for why reinvested dividends, when staying within the portfolio, don't need to be included in the XIRR calculation of that portfolio....
by red5
Sat Jul 25, 2015 1:43 pm
Forum: Investing - Theory, News & General
Topic: Slice and Dice: why not?
Replies: 84
Views: 4634

Re: Slice and Dice: why not?

rca1824 wrote:... In an attempt to settle the debate once and for all, I want to let the data speak....



The only set of data that will accomplish your goal comes from the future.
by red5
Wed Jul 22, 2015 9:29 am
Forum: Investing - Help with Personal Investments
Topic: asset allocation: based on pure or real investment?
Replies: 9
Views: 754

Re: asset allocation: based on pure or real investment?

I started out figuring my precise allocation such as you mentioned. I wanted 20% stocks to be small. I wanted the rest to be medium or large. I wanted 30% of my international stocks to be emerging markets (VWO according to some is not even 100% EM). I had even set up formulas (which I kind of enjoye...
by red5
Wed Jul 22, 2015 5:01 am
Forum: Investing - Help with Personal Investments
Topic: Auto Div Reinvesting. Really so bad?
Replies: 33
Views: 3421

Re: Auto Div Reinvesting. Really so bad?

Thank you to those of you who took the time to respond to my question. I appreciate it.
by red5
Tue Jul 21, 2015 9:26 am
Forum: Personal Finance (Not Investing)
Topic: How do people afford children with a SAHS?
Replies: 183
Views: 10605

Re: How do people afford children with a SAHM?

We have two kids, a stay at home parent and we do it with a third of your income. Sometime mentioned making choices and that is pretty much how it works out. For what it is worth, we live a good quality life and a lowish cost of living area.
by red5
Tue Jul 21, 2015 5:14 am
Forum: Investing - Help with Personal Investments
Topic: Auto Div Reinvesting. Really so bad?
Replies: 33
Views: 3421

Re: Auto Div Reinvesting. Really so bad?

I have a question that pertains to this thread to the folks who have been reinvesting dividends in a taxable account. If one has accumulated numerous tax lots via reinvesting dividends and one decides to sell all shares at one time and when it comes to tax time do all these lots need to be typed in ...
by red5
Fri Jul 17, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: What to do with bill received for prior homeowner
Replies: 41
Views: 3715

Re: What to do with bill received for prior homeowner

We used to write something along the lines of "Return to Sender" or "Person does not live here" and set it right back into the mailbox with the flag up but our post man wrote us a note telling us to NOT write on the letters and that simply inserting the mail into the mailbox wit...
by red5
Fri Jul 17, 2015 4:51 am
Forum: Personal Consumer Issues
Topic: What to do with bill received for prior homeowner
Replies: 41
Views: 3715

Re: What to do with bill received for prior homeowner

We used to write something along the lines of "Return to Sender" or "Person does not live here" and set it right back into the mailbox with the flag up but our post man wrote us a note telling us to NOT write on the letters and that simply inserting the mail into the mailbox with...
by red5
Thu Jul 16, 2015 12:30 pm
Forum: Investing - Theory, News & General
Topic: Mutual Fund NAV Price RealTime?
Replies: 7
Views: 495

Re: Mutual Fund NAV Price RealTime?

I thought Morningstar posted something like that but I just checked and did not see it.

If the fund happens to have an ETF equivalent then you could check how the ETF is doing for the day.
by red5
Sat Jul 11, 2015 5:08 am
Forum: Investing - Help with Personal Investments
Topic: newbie here
Replies: 8
Views: 824

Re: newbie here

Fidelity has good index funds. Many people here use Fidelity. As for what mix of funds you would want I would recommend reading about asset allocation. It is a personal decision that only you can really make. I'll leave you with a few links from the Bogleheads Wiki to browse. Bogleheads Wiki Fidelit...
by red5
Fri Jul 10, 2015 5:23 am
Forum: Investing - Theory, News & General
Topic: John Bogle vs. the Bogleheads
Replies: 49
Views: 4009

Re: John Bogle vs. the Bogleheads

Jack - Always choose simplicity. The Pristine all U.S. Total Stock Market Index and the all U.S. Total Bond Market Index is all you need, age in bonds as a starting point or just choose one fund, my choice would be the Vanguard Balanced Index Fund. The Bogleheads - International, slice and dice, an...
by red5
Fri Jul 10, 2015 4:24 am
Forum: Investing - Theory, News & General
Topic: spreadsheet for dividenddividend reinvestments
Replies: 2
Views: 374

Re: spreadsheet for dividenddividend reinvestments

You ought to be able to do this with the free Morningstar Portfolio Manager. Or you could set up a spreadsheet. I have one but I manually type in reinvestments (along with purchases). There may be ways to have it automatically done but I don't have any information on that. The Bogleheads Wiki has so...
by red5
Fri Jul 10, 2015 4:01 am
Forum: Investing - Help with Personal Investments
Topic: Saving for retirement
Replies: 1
Views: 392

Re: Saving for retirement

Maxing out both a 401k and a roth IRA is great and not something many people in this country can do. So congrats on that. The Vanguard retirement funds are great funds. I can't speak of your ML retirement fund though. It's expense ratio is a bit high (although your 401k may not offer any other low c...
by red5
Mon Jul 06, 2015 5:19 am
Forum: Investing - Theory, News & General
Topic: New and Young Investor
Replies: 2
Views: 370

Re: New and Young Investor

There is some information to consider before you begin investing. The Wiki, which I believe was linked from the above poster, has a wealth of valuable information. But in short you should make sure that you have an appropriately sized emergency fund, lack any high interest debt, understand the basic...
by red5
Mon Jul 06, 2015 5:02 am
Forum: Investing - Theory, News & General
Topic: How many Bogleheads tilt Value?
Replies: 49
Views: 3344

Re: How many Bogleheads tilt Value?

Very modestly. For US I invest in Total Stock and Small Value at a 5:1 ratio. I don't value tilt international mainly because Vanguard does not seem to offer a small value index fund.
by red5
Fri Jul 03, 2015 4:15 am
Forum: Investing - Help with Personal Investments
Topic: How do you determine your personal glide path?
Replies: 23
Views: 2763

Re: How do you determine your personal glide path?

I constructed my investing policy statement a couple of years ago, but after reading this thread -- https://www.bogleheads.org/forum/viewtopic.php?t=168261 -- and especially this thread -- https://www.bogleheads.org/forum/viewtopic.php?t=25126 -- I'm pretty sure my IPS has a hole with the potential...
by red5
Tue Jun 30, 2015 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Newbie Q: VGTSX Admiral Share return lower than Investor Share?
Replies: 4
Views: 650

Re: Newbie Q: VGTSX Admiral Share return lower than Investor Share?

Shan, Here are a few Morningstar growth charts which show how much $10,000 invested in each fund. I used VGTSX and VTIAX. One would expect VTIAX to slightly outperform VGTSX in each time frame. Year to Date One Year Three Year I don't think the admiral fund was around five years ago so those are the...
by red5
Mon Jun 29, 2015 3:47 am
Forum: Investing - Help with Personal Investments
Topic: Untouched 1980s fund - Seems Cost Basis = Market Value!?
Replies: 9
Views: 1116

Re: Untouched 1980s fund - Seems Cost Basis = Market Value!?

Well the NAV has been relatively "flat" since 1987. Perhaps all / most your returns have come via the dividend (which have been taxed all along the way).

NAV chart
by red5
Fri Jun 26, 2015 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Dividend Distribution Question
Replies: 9
Views: 1340

Re: Dividend Distribution Question

Could someone please explain to me the advantage of "taking" your distributions from taxable fund accounts in lieu of "reinvesting" this income? I'm still a bit confused about the advantage of doing this. P.S. - I am now newly retired. Thanks! I think this stems mainly from the ...
by red5
Wed Jun 24, 2015 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Moving to LCOL state
Replies: 19
Views: 2376

Re: Moving to LCOL state

We moved from a cold LCOL state to a hot (and humid) LCOL state a few years ago and bought a house right away. This area has MANY job opportunities compared to our old state. Taxes are low here, winters are merely cool (nice), home prices are low, many cultural opportunities, relatively safe... How...
by red5
Wed Jun 24, 2015 5:43 am
Forum: Personal Finance (Not Investing)
Topic: Moving to LCOL state
Replies: 19
Views: 2376

Re: Moving to LCOL state

mintster wrote:Can you tell us why the other half never liked the LCOL hot/warm state


Although I fully acknowledge all the of the positives that come with living in South Carolina it just isn't "home". I grew up in rural northern New England and enjoy that lifestyle, even with its disadvantages.
by red5
Wed Jun 24, 2015 5:41 am
Forum: Personal Consumer Issues
Topic: Moving to Florida from Northeast with pre-school age kid
Replies: 9
Views: 1024

Re: Moving to Florida from Northeast with pre-school age kid

Why the thought of moving to Florida (perhaps Tampa area): - Searching for better climate. Too cold during winter here. - Probably slightly lower cost of living overall. To live in an area with good public education system, it seems the house prices are roughly about 80% of where he lives now. Fact...
by red5
Tue Jun 23, 2015 4:40 am
Forum: Personal Finance (Not Investing)
Topic: Moving to LCOL state
Replies: 19
Views: 2376

Re: Moving to LCOL state

Considering a move to a warmer state with more job opportunities. 1. Is it a good idea to buy house right away or rent (throw money away??) for couple more years before deciding. One side wants to make sure the warmer (hot) weather suits the family and health stays manageable. But the other side is...
by red5
Sat Jun 20, 2015 5:18 am
Forum: Investing - Help with Personal Investments
Topic: I need help from a math nerd...
Replies: 7
Views: 761

Re: I need help from a math nerd...

grettman wrote:Red5.

Thanks!

Yep I was able to replicate the calculation. Thanks for response. It was the 2nd part of the calculation that I wasn't able to figure out.

Cheers!


Glad you were able to do it out.
by red5
Sat Jun 20, 2015 5:08 am
Forum: Investing - Help with Personal Investments
Topic: I need help from a math nerd...
Replies: 7
Views: 761

Re: I need help from a math nerd...

You are correct that each CD needs to be weighted according to how much money is in the account. In order to do this add up all your CDs to get a grand total and then calculate the percentage that each individual CD makes up by dividing each individual value by the total value of all CDs. This will ...
by red5
Sat Jun 20, 2015 4:52 am
Forum: Personal Consumer Issues
Topic: Your Top 10 Books
Replies: 56
Views: 7392

Re: Your Top 10 Books

The Lord of the Rings
The Hobbit
The Count of Monte Cristo
The Three Musketeers
Sherlock Holmes (all of them)
A Christmas Carol
Dracula
Robinson Crusoe
A Brave New World
[Insert whatever book I happen to be reading]
by red5
Wed Jun 17, 2015 4:22 am
Forum: Investing - Theory, News & General
Topic: Cost difference
Replies: 27
Views: 2278

Re: Cost difference

Thanks, it looks like it will be $60 vs. $90 per $100,000. It's a small difference, but it can add up when you are talking about large amounts. An ER of .058% versus .09% indeed is smaller but it perhaps is close enough that other factors will overcome it. Perhaps your rebalancing plan will have a ...
by red5
Sat Jun 13, 2015 5:26 am
Forum: Investing - Help with Personal Investments
Topic: Investment strategy help/check up
Replies: 8
Views: 1185

Re: Investment strategy help/check up

To me your allocations look great. I'd really concentrate on getting those high interest loans paid off though.
by red5
Thu Jun 04, 2015 9:43 am
Forum: Investing - Help with Personal Investments
Topic: International Funds
Replies: 9
Views: 1041

Re: International Funds

Here are some graphics visualizing what people in this thread are telling you. The following link is a Morningstar chart comparing each fund since sometime in 2007 when it appears the investor class of VFWAX came into existence. I included the "investor" funds as well since I thought it we...
by red5
Tue Jun 02, 2015 1:07 pm
Forum: Investing - Theory, News & General
Topic: Warning Signs [Economic health indicators]
Replies: 246
Views: 31941

Re: Warning Signs

Okay, just saw the post you submitted directly before I submitted my question. Thank you.



So in other words, maybe there are warning signs, maybe not.
by red5
Tue Jun 02, 2015 1:06 pm
Forum: Investing - Theory, News & General
Topic: Warning Signs [Economic health indicators]
Replies: 246
Views: 31941

Re: Warning Signs

So it's still too early to say for sure, but indicators of economic health are deteriorating. Let's start with the FRED recession probability which has been rising lately: 2015-03-01 3.54 2015-02-01 2.12 2015-01-01 1.30 2014-12-01 0.52 2014-11-01 0.02 Has such a string of "FRED recession proba...
by red5
Tue Jun 02, 2015 7:02 am
Forum: Investing - Theory, News & General
Topic: Paper: Two Determinants of Lifecycle Investment Success
Replies: 12
Views: 1683

Re: Paper: Two Determinants of Lifecycle Investment Success

These findings imply that defined contribution plan sponsors should encourage young workers to start contributing to their 401(k) accounts early, consistently, and at a high level. regards That's funny. So, when one is young, not earning much, thinking about buying a house, starting a family, etc, ...
by red5
Mon Jun 01, 2015 4:33 am
Forum: Personal Consumer Issues
Topic: good vacuum cleaner for up to $200?
Replies: 26
Views: 2252

Re: good vacuum cleaner for up to $200?

I'll second the previous posters who mentioned the Shark. I bought a Shark from Costco for about $150.00 six months ago (I think it is the Deluxe model) and have been very pleased with it.
by red5
Tue May 26, 2015 11:59 am
Forum: Personal Consumer Issues
Topic: Recommendations on digital camera and video camera
Replies: 16
Views: 807

Re: Recommendations on digital camera and video camera

Just consider the size and weight of the camera before you purchase. It may not be too much "fun" lugging around a large DSLR with multiple lenses throughout Europe. I know my wife and I have the "who is gonna hold the camera" discussions quite frequently. Consider a camera that ...
by red5
Tue May 26, 2015 5:15 am
Forum: Investing - Help with Personal Investments
Topic: A Lesson [in Portfolio Simplicity]
Replies: 13
Views: 3239

Re: A Lesson [in Portfolio Simplicity]

Keep in mind that your personal performance results are likely to include the effects of your additional contributions and withdrawals throughout the years while the results of the Life Strategy fund do not. The Life Strategy returns that you see are based on "one-time investments" made 1,...
by red5
Sat May 23, 2015 5:45 am
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 4860

Re: Not able to max out all the retirement accounts

yellowgirl, Keep your chin up. Take a few days to relax out of this state of mind. Everything is going to be A-Okay. Trim your monthly expenses is my advice. As others have mentioned there is a bias in who reports their income and savings on this board. We all read about the higher earning and highe...
by red5
Thu May 21, 2015 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Article on Drawdowns (the real returns)
Replies: 17
Views: 1334

Re: Article on Drawdowns (the real returns)

While the above math is, of course, correct, I do have a quibble. The quibble is that in reporting investment performance in the market it is conventional for average return to already mean the compound average growth rate, so the compounded volatility is already taken into account. It is completel...
by red5
Thu May 21, 2015 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Article on Drawdowns (the real returns)
Replies: 17
Views: 1334

Re: Article on Drawdowns (the real returns)

As a side note it is interesting to see those figures in inflation adjusted terms. If one looks at a "growth of" chart at Morningstar the S&P 500 nearly doubled over those dates while according to the OPs figures from the article the S&P 500 only grew to $138,000...not even close t...
by red5
Thu May 21, 2015 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Article on Drawdowns (the real returns)
Replies: 17
Views: 1334

Re: Article on Drawdowns (the real returns)

(update) It looks like the year 2001 data might be off? The final total should be $89,870. This changes the end value to $138,700 instead of $132,900. By the way, you are not really supposed to copy and paste articles. You should create a link instead with maybe a summary so people know what you are...
by red5
Mon May 18, 2015 11:18 am
Forum: Investing - Theory, News & General
Topic: Benchmarking - Do you and what is your reference?
Replies: 13
Views: 846

Re: Benchmarking - Do you and what is your reference?

I'm benchmarking my portfolio performance using M* data for YTD, 12 month, 3 year, 5 year and 10 year performance. S&P500 in the same percentage as portfolio equities, Total Bond Market in the same percentage as portfolio bonds and same/same cash. AA has remained within reason constant over the...
by red5
Mon May 18, 2015 8:31 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 118
Views: 10267

Re: What's so great about simplicity?

"Investing is simple. To be sure, you can make it ludicrously complicated." ... "Best of all, a simple portfolio allows the investor to spend more time with family and friends." ~Jonathan Clements. Not sure I quite agree. A more complex portfolio of index funds can easily be man...
by red5
Thu May 14, 2015 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Where does everyone stand [Portfolio holdings]
Replies: 16
Views: 3176

Re: Where does everyone stand

mule wrote:Thanks and very interesting. I'm not as wealthy as I thought I was! Thanks


I would be careful making any comparisons using the 2015 net worth poll...In fact I would be hesitant to make comparisons period. That poll is not exactly representative.
by red5
Tue May 12, 2015 9:00 am
Forum: Investing - Help with Personal Investments
Topic: 529 plans- Are they part of your overall A.A?
Replies: 22
Views: 1287

Re: 529 plans- Are they part of your overall A.A?

I just posted my entire portfolio last night- see post "Portfolio advice- especially with TIAA Real Estate" I am also wondering about 529 Plans. Are these considered part of your overall Assett Allocation? I have a 1 year old and 3 year old- so it will be quite some time before the money ...
by red5
Wed May 06, 2015 9:19 am
Forum: Personal Finance (Not Investing)
Topic: escrow increase...
Replies: 28
Views: 2027

Re: escrow increase...

I'm curious why you chose to go with escrow. All you're doing is lending money to the mortgage company ahead of time which they will eventually use to pay your taxes and insurance. Did they offer an exceptionally high interest rate on the escrow account? Sometimes one is not given the choice, at le...
by red5
Tue May 05, 2015 6:41 am
Forum: Investing - Help with Personal Investments
Topic: How do you keep track of your investments?
Replies: 48
Views: 3304

Re: How do you keep track of your investments?

I use Excel. It takes a while to set up but once set up it is pretty easy to maintain.

However, Morningstar has an excellent and free portfolio manager tool that is also easy to maintain.

Morningstar Portfolio Manager
by red5
Mon May 04, 2015 8:25 am
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 6462

Re: Polls Disabled

It was always impossible to conduct a good poll on this site. That people like yourself could feel otherwise is an important reason I felt it necessary to cut them off. That is a pretty high-handed statement. You make some valid points but you do not seem to be considering the equally valid stateme...
by red5
Mon Apr 27, 2015 9:50 am
Forum: Personal Finance (Not Investing)
Topic: Savers Credit preparation for 2015
Replies: 17
Views: 1584

Re: Savers Credit preparation for 2015

I don't believe the Saver's Credit is refundable, is it? Meaning it would only reduce your tax liability to $0.00. You would not get the extra $200 in the form of a refund. http://www.irs.gov/uac/Get-Credit-for-Your-Retirement-Savings-Contributions http://www.investopedia.com/articles/retirement/04/...

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