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Re: IRA Savings Account and CD’s VS Bond Funds

iBonds are good up to the 10k limit - I'll replace some TIPS with those.

Regarding the money market account - are you able to put that in tax differed accounts?

If not at the highest tax rate I think one would do a bit better at Ally...

Thanks!
Lance
by sensei
Mon Jul 15, 2013 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA Savings Account and CD’s VS Bond Funds
Replies: 3
Views: 455

IRA Savings Account and CD’s VS Bond Funds

My bond allocation is currently split into three equal parts Total Bond Market (BND), Short Term US (VBIRX and BSV) and TIPS (VIPSX) all in tax-deffered accounts. I read some of the debate over the supposed bond bubble but don’t really have a strong opinion other then a general feeling that more peo...
by sensei
Mon Jul 15, 2013 5:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA Savings Account and CD’s VS Bond Funds
Replies: 3
Views: 455

Re: Any replacements for good old excel?

https://www.mywealthtrace.com/ looks interesting, although at first glance seems more useful in forming or testing an AA then in 'maintaining' your AA. Mint seems good for tracking spending more so then AA, although I dislike cloud services as well. Kalo, I use a similar system as yours, except my r...
by sensei
Tue Jul 09, 2013 9:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any replacements for good old excel?
Replies: 13
Views: 1176

Any replacements for good old excel?

Hi all- I've been following a boglehead philosophy for about 4 years now, although with 12 asset classes (possibly adding two more this year) I seem to be more interested in the advantages of diversifying and yearly re-balancing then "the majesty of simplicity". Add to this I am managing t...
by sensei
Tue Jul 09, 2013 6:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any replacements for good old excel?
Replies: 13
Views: 1176

Re: 2nd home: can you help me make this work?

I live in the Bay Area and have been watching the market here for 15 years so I'll chime in here - most desired areas in the Bay Area are skewed to highly favor renters over home-owners. In other words if you look at how many years rent it would take to equal the purchase price of the home this rati...
by sensei
Sun Mar 11, 2012 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2nd home: can you help me make this work?
Replies: 20
Views: 1936

Re: HAPPY NEW YEAR! FROM JACK BOGLE

Thanks for everything Jack!

And thanks to all the Bogleheads who share your mission of education!

-Lance
by sensei
Sat Dec 31, 2011 6:50 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY NEW YEAR! FROM JACK BOGLE
Replies: 84
Views: 50386

I went to one and enjoyed it, but I'm into that sorta thing... There's some good exercises and a lot of selling of longer workshops (up to 30k package!). I've heard okay stuff about the longer workshops, but they are pricey. Go if you think you will like it - you can always leave if it's not for you...
by sensei
Wed Sep 15, 2010 2:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: re: Million Mind
Replies: 10
Views: 1843

Club Med is a bit cheaper and has lot's of stuff for kids. I've been as a kid and an adult and had fun both ways. Sandals is a bit more $, but has much better food and accommodations. Never been to beaches... Negril is a great Sandals location, so if beaches is nearby I would choose that. One tip, a...
by sensei
Tue Sep 14, 2010 9:34 pm
 
Forum: Personal Consumer Issues
Topic: all-inclusive resorts, ie Sandals, Beaches, etc
Replies: 18
Views: 3892

If you look I think Cramer cuts the sleeves of his shirts
so he can roll them up super tight like that.

The tighter rolled your sleave is, the smarter you must be ;-)
by sensei
Tue Sep 07, 2010 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Indexing is bogus [according to Cramer]
Replies: 52
Views: 8282

Great book Larry, saw this thread 3 days ago, read it yesterday and
bought two of your other books this morning (LOVE my Kindle...)

I didn't see anything controversial at all... ;-)

-Lance
by sensei
Wed Sep 01, 2010 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Larry Swedroe's new book on the Right Financial Plan
Replies: 141
Views: 15177

Thanks David, it helps to have correct numbers when making these decisions! I've modeled the asset breakdown in VEU using the different splits suggested and the more accurate tax info David provided. Straight VEU: 0.490% Blended ER plus blended TCR VEA/VWO: 0.433% Blended ER plus blended TCR VPL/VGK...
by sensei
Wed Sep 01, 2010 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: lump (veu) vs split (vgk/vpl/vwo)?
Replies: 8
Views: 2146

I'm not a homeowner or an expert, but I do want to retire somewhere where real estate is expensive (possibly Maui or possibly CA where I rent now). Not sure if leaving an estate behind is important to you, but if not you should look at getting the nicer Condo and then doing a reverse mortgage in the...
by sensei
Tue Aug 31, 2010 7:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Crazy to pay so much for a residence?
Replies: 33
Views: 5105

That's pretty much what would happen if you DCA'ed into a Target Retirement fund, I believe. Although you wouldn't have direct control over the allocations... Having direct control is the benefit of VCA over DCA. VCA'ing over a three year period you would tend to buy more shares of each asset at sl...
by sensei
Tue Aug 31, 2010 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Dollar cost averaging and boiling frogs
Replies: 74
Views: 6170

Thanks for the warm post!

As a new member to the forum, it's great to see your connection to it.

Btw, Just transferred to Vanguard last week! ;-)

-Lance
by sensei
Tue Aug 31, 2010 2:27 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY NEW YEAR! FROM JACK BOGLE
Replies: 84
Views: 50386

I'm about to enter a large position in the market as I am in the process of setting my AA for the first time and am also switching from Fidelity to Vanguard, so this issue is more then academic for me. Overall I agree with many posters that DCA is primarily a psychological tool and I've decided I do...
by sensei
Tue Aug 31, 2010 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Dollar cost averaging and boiling frogs
Replies: 74
Views: 6170

Joe: So basically your making the point that all bonds appear to be overpriced right now? I have never owned a separate bond fund (I had Fidelities 4-in-1 but sold it to get AA control) and am planning on buying 25% bonds. Sounds like maybe I should buy this spread out over a long timeframe (3 yrs o...
by sensei
Tue Aug 31, 2010 12:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation
Replies: 17
Views: 3506

I'm in the middle of the same type of decision. I was going to split until I looked at the M* Tax Cost Ratios: ER TCR ~Taxable "Cost" VGL: .16 0.58 0.74 VGK: .16 1.08!!! 1.24 VEU: .25 .46 0.71 So for taxable, it appears splitting is more expensive despite the lower ER Here's where I'm conf...
by sensei
Mon Aug 30, 2010 11:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: lump (veu) vs split (vgk/vpl/vwo)?
Replies: 8
Views: 2146

Not sure if anyone has mentioned it, but a big obvious difference with a mortgage is that the interest payments are tax deductible. That's why many take mortgages for homes even if they have enough cash to buy a house outright... With the tax break they figure they could invest the money and possibl...
by sensei
Wed Aug 25, 2010 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: mortgages and inflation, what am I missing?
Replies: 50
Views: 5198

Grabiner wrote: Thus, by putting the stock all in taxable, you increase your tax bill if the stock market rises, and decrease it if the stock market falls; this gives you a risk reduction as well as an expected gain. Taking your statement at face value, over the lifetime of this investment (25 yrs p...
by sensei
Tue Aug 24, 2010 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested allocation plan for tax exposed account
Replies: 9
Views: 1526

I don't think it has much to do with plan size.

I'd definitely shop around if you think you will be with that employer
for a while.

Before you do, make sure you have the buy in of whoever
makes the decisions at your employer...
by sensei
Tue Aug 24, 2010 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Alternative 401K Plan
Replies: 18
Views: 3165

I'll agree that there's disagreement 'round here on just how inefficient an SV index like VISVX/VBR is likely to be in the future. But I think it's unlikely that using muni's in taxable so that you can hold (more of) Europe/Pacific/Emerging in tax-deferred will be a good long term position. You mig...
by sensei
Mon Aug 23, 2010 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested allocation plan for tax exposed account
Replies: 9
Views: 1526

Thanks for the feedback! Natureexplorer- I really don't plan on retiring for quite a while, and slept well at night all through the mess of 08 and 09 when I had even higher equity exposure (actually I put more money in the market!) so I think the equity exposure is about right. If the market tanks m...
by sensei
Sat Aug 21, 2010 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested allocation plan for tax exposed account
Replies: 9
Views: 1526

Suggested allocation plan for tax exposed account

Hey guys, I've been reading the Boglehead books and others and have been lurking here for a while as well. I have to say this is one of the best forums I've seen on any topic in terms of the depth positive tone of all the posts - I'm looking forward to getting your constructive feedback and hopefull...
by sensei
Fri Aug 20, 2010 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Suggested allocation plan for tax exposed account
Replies: 9
Views: 1526

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