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Re: Boglehead Beer

As far as the proper "category" for beers like Lil Sumpin Sumpin, beers are categorized first on the type of malted grain used. Beers categorized as American Wheat Ales use a large proportion of wheat malt (often 50% or more, although it is not a legal requirement as it is in Germany). Ame...
by stilts1007
Fri Nov 14, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 411
Views: 53140

Re: Protection from a market crash

Also, why wouldn't money market funds work? You mention bonds, but I haven't seen money markets mentioned. Money market funds & stable value funds would both provide a very low level of income while being relatively safe from market swings. They also don't provide nearly the level of return tha...
by stilts1007
Mon Sep 29, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Protection from a market crash
Replies: 17
Views: 1555

Re: I need a new coffee maker, any recommendations?

And I've never really liked coffee from the Keurig. I have tried it. We bought the make-your-own-K-cup attachment to go with our Keurig brewer (no idea what it's actually called), where you can add your own ground coffee to a reusable filter and use that in your Keurig machine. I think the coffee c...
by stilts1007
Wed Apr 30, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: I need a new coffee maker, any recommendations?
Replies: 66
Views: 14978

Re: 30yo, just married, need some guidance

With regard to life insurance, the odds of you dying ARE very low (assuming you are healthy), which is why insurance would be very inexpensive. In the extremely unlikely even that something should happen to you, your wife likely doesn't make enough money to continue making mortgage payments long ter...
by stilts1007
Sat Apr 26, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: 30yo, just married, need some guidance
Replies: 24
Views: 4919

Re: Northwestern mutual

My wife and I met with them a couple years ago (pre-Boglehead days). A younger brother of a friend was doing a summer internship with NW Mutual and the meeting was sold to us ahead of time as a "practice run," just to get him some experience talking with people he was comfortable with, etc...
by stilts1007
Sun Apr 20, 2014 11:48 pm
 
Forum: Investing - Theory, News & General
Topic: Northwestern mutual
Replies: 20
Views: 1626

Re: IL 529 question

The IL 529 Plan offers some Vanguard index funds as well as some actively managed funds. Expense ratios for the index-based options are in the neighborhood of 0.20% which is a pretty good deal. Some states might have a little wider array of choices or slightly lower ERs, but if you are going to get ...
by stilts1007
Sun Apr 13, 2014 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: IL 529 question
Replies: 4
Views: 438

Re: International and bond advice for young investor

For most members of the forum, portfolio simplicity is a factor in deciding asset allocation, which is why most people on here would probably recommend Total International instead of Emerging Markets + Developed markets (especially if you don't have a strong reasoning for splitting them up.) In addi...
by stilts1007
Wed Mar 19, 2014 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: International and bond advice for young investor
Replies: 10
Views: 828

Re: What video games are you currently playing?

I second the recommendations for the Portal games (available on xbox or PC). They are puzzle/strategy games in a different way than anything I had ever played before. My wife (a non-video-gamer) enjoyed them, too. Makes your brain think in ways it doesn't normally have to think, which can be frustra...
by stilts1007
Wed Mar 12, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 99
Views: 5025

Re: 25 - Making sure I'm on the right track

A couple comments: With regard to stock/bond split: many on the forum would say that 2/3 of your portfolio in stocks is a bit conservative. IMHO, if you have never been invested through a major stock market dip (I am guessing at age 25 you have not), it is better to start out a bit more conservative...
by stilts1007
Thu Mar 06, 2014 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 - Making sure I'm on the right track
Replies: 4
Views: 908

Re: help with diversification. 50% company stock.

One piece of general advice that is often repeated on the site here is not to buy any sort of investment vehicle unless you really understand it. It sounds like you are hear and doing lots of learning which is good, but I would advise against jumping into the put/call/shorting business unless you fu...
by stilts1007
Tue Mar 04, 2014 12:46 am
 
Forum: Investing - Help with Personal Investments
Topic: help with diversification. 50% company stock.
Replies: 22
Views: 977

Re: Financial advisor wants me to roll a 401(k) into an IRA?

Looks like the only person I can trust to look out for my finances is the one typing this reply. My early experiences in adulthood with financial advisor-type people is similar to yours, I got very little education or advice on the subject at home or in school, and the first few interactions I had ...
by stilts1007
Mon Mar 03, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial advisor wants me to roll a 401(k) into an IRA?
Replies: 98
Views: 7652

Re: His HSA, her FSA?

Unless your wife's FSA account says it is SPECIFICALLY for her (most do not), then it would be able to be used on anyone in the family. Whether you use it on anyone besides her or not, the fact that you have the option at all is considered like you having a sort of other health care coverage in the ...
by stilts1007
Thu Feb 06, 2014 1:04 am
 
Forum: Personal Finance (Not Investing)
Topic: His HSA, her FSA?
Replies: 6
Views: 508

Re: Age minus x = stocks

A number of previous discussions on the topic, the most recent of which i could find is here:

http://www.bogleheads.org/forum/viewtopic.php?f=10&t=126639
by stilts1007
Tue Jan 28, 2014 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Age minus x = stocks
Replies: 9
Views: 707

Re: Age minus x = stocks

Some people actually advocate for increasing equities later on in retirement, although this would follow a gradual decrease in the decades prior.
by stilts1007
Tue Jan 28, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Age minus x = stocks
Replies: 9
Views: 707

Re: good coffee grinder and roaster

To be honest when I got my first Burr grinder it revolutionized coffee for me. I had no idea what a good grinder can do, even in a drip machine. Alright, you are officially the one who finally convinced me to break down and buy a burr grinder just now. I am holding you accountable for the outcome :)
by stilts1007
Sun Jan 26, 2014 1:07 am
 
Forum: Personal Consumer Issues
Topic: good coffee grinder and roaster
Replies: 19
Views: 1427

Re: Near Roth IRA limit - Contribution timing question

Thanks for the advice. Yes, someone is preparing my taxes for me. I was planning on doing them myself this year for the first time, but ran into some complicated HSA-FSA-related issues that I felt better having the person who had done them the past several years handle. I'd rather do a Roth if possi...
by stilts1007
Mon Jan 20, 2014 12:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Near Roth IRA limit - Contribution timing question
Replies: 3
Views: 461

Near Roth IRA limit - Contribution timing question

My wife and I are near the MAGI limit for contributing to Roth IRAs. I would like to try to do a backdoor Roth IRA if unable to contribute the traditional way. This involves filling out a form 8606 with my return, including the specifics of what was contributed and when. My question is, if I can't c...
by stilts1007
Sun Jan 19, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Near Roth IRA limit - Contribution timing question
Replies: 3
Views: 461

Re: POLL: Investing vs. pay down mortgage feelings

We take the "extra" money left over at the end of the month after the bills are paid, and alternate between investing and paying down the mortgage month-to-month. Easy way to split the difference.
by stilts1007
Sun Jan 19, 2014 10:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Investing vs. pay down mortgage feelings
Replies: 79
Views: 4127

Re: Pay off mortgage early?

The short answer is, it depends. See this wiki link for a brief rundown of the arguments for and against: http://www.bogleheads.org/wiki/Paying_down_loans_versus_investing The raw math of the debate would say that you are likely to make more money in the long run by investing the extra money (S&...
by stilts1007
Sun Jan 19, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage early?
Replies: 1
Views: 258

Re: Update: Scanning 35 mm slides and film

I am in the middle of the process of digitizing my grandpa's and great grandpa's slide collections, mainly because my 90-yo grandpa is downsizing and has nowhere to keep all the trays. Figured it would be a fun way to at least get another look through them for him. With well over 5000 slides, I soon...
by stilts1007
Mon Jan 13, 2014 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Update: Scanning 35 mm slides and film
Replies: 10
Views: 1444

Re: High Earners - What's Your Profession?

Another pharmacist here. Working in healthcare definitely has its drawbacks but pay and job security are tough to beat.
by stilts1007
Mon Jan 13, 2014 7:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28869

Re: One Stock [Purchase one share for grandchild]

It would be interesting to go back in time 20 years and post this question to Bogleheads readers. How many would pick the same stocks then as they would today?

Then again, one could argue that without google, how would anyone find Bogleheads?
by stilts1007
Tue Jan 07, 2014 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: One Stock [Purchase one share for grandchild]
Replies: 23
Views: 1302

Re: 1-year BH Anniversary Portfolio Review

I'm sure that some will say this is not advisable but I think it depends upon your comfort levels and methods of managing your finances. We've always viewed and managed our finances as a single pot with joint accounts except where not allowed such as 401(k)s. Sounds good. We are both comfortable wi...
by stilts1007
Mon Jan 06, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1-year BH Anniversary Portfolio Review
Replies: 5
Views: 678

Re: 1-year BH Anniversary Portfolio Review

Thanks for the response! [*]Roughly 81% large caps (500 Index and Institutional Index) plus 6% mid caps plus 13% small caps makes up the total US stock market. I have replicated that above in the two employer plans. I'm sure I did some sort of research prior to setting a rough large-mid-small cap al...
by stilts1007
Sun Jan 05, 2014 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1-year BH Anniversary Portfolio Review
Replies: 5
Views: 678

1-year BH Anniversary Portfolio Review

Hi all- In honor of my upcoming 1-year anniversary of joining the site, I finally got around to writing up a proper portfolio review. I wish I had made one a year ago just to see how much this site has helped me over the past 12 months.. Anyway, without further ado: Emergency funds: 6 months (checki...
by stilts1007
Sun Jan 05, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1-year BH Anniversary Portfolio Review
Replies: 5
Views: 678

Re: Suggestions for the Wiki

My first few experiences with "financial advisers" were actually interactions with insurance salesmen, selling expensive "cash value life insurance" policies. Researching them before signing anything (eventually deciding against signing anything) led me to find this page about a ...
by stilts1007
Wed Dec 11, 2013 12:18 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 278
Views: 103902

Re: Portfolio Help for 29 yo couple. Thanks!

I would also say hold off on rolling over the old 401(k) until you at least see what your options are. If you have good, cheap index funds available at your new place of employment, that is 1 fewer account you have to keep track of. 3 weeks of paying slightly higher ERs than you could be isn't going...
by stilts1007
Mon Dec 02, 2013 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help for 29 yo couple. Thanks!
Replies: 12
Views: 2022

Re: Need help with FSA/HSA question

If one person in a marriage has an FSA account, that money could technically be spent on anyone in the family, UNLESS it is specifically designated as being for the employee only. This is different from an HSA account, which is meant to cover only the individual or individuals enrolled in the linked...
by stilts1007
Wed Nov 20, 2013 1:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Need help with FSA/HSA question
Replies: 5
Views: 546

Re: Need help with FSA/HSA question

I am actually dealing with exactly the same issue right now. I have a high-deductible plan at work with HSA that started June 1, my wife (who has separate insurance through her employer) opened up an FSA July 1 of this year. We have not used much of the money in the accounts fortunately, but accordi...
by stilts1007
Tue Nov 19, 2013 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need help with FSA/HSA question
Replies: 5
Views: 546

Re: Young Guys Making Good Money

If you have good science skills an enjoy taking on crippling student loan debt, you can always look into going back and getting a health science-related degree. Not sure if you have any science background, but I had a couple MBAs in my pharmacy school class, as well as a dentist and a lawyer, among ...
by stilts1007
Mon Sep 23, 2013 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Young Guys [and Gals] Making Good Money
Replies: 241
Views: 24007

Re: Low Hurdle Rate for New Advisers

It seems like the CFP people or some other organization(s) which require some ethical and professional standards from their members could stand to push a little harder on the marketing front, to expose things like this. I would like to think that if people had an idea how little the people they were...
by stilts1007
Fri Sep 06, 2013 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Low Hurdle Rate for New Advisers
Replies: 3
Views: 597

Re: 27 years old - Attempt to pay off mortgage early???

As far as the invest-vs-pay off discussion, it has been analyzed in length on the board, with vocal opponents on both sides, but I think at the end of the day it comes down to what you are comfortable with (after maxing out your tax-deferred savings, at least). My wife and I (ages 30 & 29) are i...
by stilts1007
Fri Aug 23, 2013 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: 27 years old - Attempt to pay off mortgage early???
Replies: 21
Views: 2725

Re: There Is No Such Thing As Better Beta

http://i41.tinypic.com/x10zex.jpg Just think how many 3-ounce cups it makes. As a longtime coffee snob, I have never gotten a satisfactory answer as to why a standard "cup" of coffee is only 6 ounces, as opposed to a cup of anything else, which is 8oz. It is referenced as such on beans, g...
by stilts1007
Mon Aug 12, 2013 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: There Is No Such Thing As Better Beta
Replies: 102
Views: 6164

Re: bitcoin bust; bitcoin etf

I hope that was informative and i apologize if it was long winded. Junt Extremely informative, thank you. My one question related to the "mining" process is, my understanding that the actual computations that take place while mining bitcoins have to do with confirming transactions that ha...
by stilts1007
Mon Jul 22, 2013 10:40 am
 
Forum: Investing - Theory, News & General
Topic: bitcoin bust; bitcoin etf
Replies: 52
Views: 5558

Re: 'Unprecedented' $80 Billion Pulled From Bond Funds = ?

I sold 10k in Vanguard TBM on Friday, therefore I must have been the one to start the avalanche.
Correlation=Causation
by stilts1007
Tue Jul 02, 2013 11:36 pm
 
Forum: Investing - Theory, News & General
Topic: 'Unprecedented' $80 Billion Pulled From Bond Funds = ?
Replies: 39
Views: 5138

Re: Selling bonds for improved tax efficiency

Thanks for the input. Plan is to exchange the ~10k bonds in the taxable account for stocks, then exchange ~10k of comparable stocks for bonds in my 401(k). Same asset allocation, better placement, and I can offset the small capital gain I will have for the year. Win-win-win? I would have to wait at...
by stilts1007
Wed Jun 26, 2013 11:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling bonds for improved tax efficiency
Replies: 4
Views: 417

Re: Selling bonds for improved tax efficiency

Thanks for the input. Plan is to exchange the ~10k bonds in the taxable account for stocks, then exchange ~10k of comparable stocks for bonds in my 401(k). Same asset allocation, better placement, and I can offset the small capital gain I will have for the year. Win-win-win?
by stilts1007
Wed Jun 26, 2013 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling bonds for improved tax efficiency
Replies: 4
Views: 417

Selling bonds for improved tax efficiency

I started a taxable account with Vanguard about a year ago, and at the time I started I didn't really have an idea of the concept of tax-efficient fund placement ( http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_Fund_Placement ). As a result, my 401(k), my wife's 457(b), and the taxable a...
by stilts1007
Wed Jun 26, 2013 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling bonds for improved tax efficiency
Replies: 4
Views: 417

Re: Paid off mortgage today

Thanks for posting this and bringing up the topic of what to do with extra income (taxable investing vs. mortgage payoff). Prior to starting a taxable account we sent a little extra money toward the mortgage every month which felt good. Since opening up a taxable account a year or so ago, most of th...
by stilts1007
Wed Jun 12, 2013 1:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paid off mortgage today
Replies: 73
Views: 6017

Re: return brand-new and re-buy with coupon ???

From the point of view of someone who works retail & may be on the other side of that cash register, we are annoyed about the extra work, but you are far from the only one who does it, if that makes you feel any better. My company often has coupons that generate based on specific purchase, e.g. ...
by stilts1007
Wed Jun 12, 2013 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: return brand-new and re-buy with coupon ???
Replies: 16
Views: 1197

Re: GNMA downward spiral

Larry Swedroe's book "The Only Guide to a Winning Bond Strategy" had an insightful chapter on the unique risks associated with mortgage-backed securities and how in most cases they outweigh the small return premium. Definitely a recommendation for beginners/intermediates who are interested...
by stilts1007
Wed Jun 12, 2013 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: GNMA downward spiral
Replies: 24
Views: 4492

Re: Taxable investing: investments every two weeks? quarterl

I add to the taxable account once every 1-3 months, typically after paying the mortgage & credit cards for the month and seeing how much extra is left. A lot of people are anti-average-cost-basis, but for me, someone who is adding small amounts regularly, reinvesting dividends, and doesn't antic...
by stilts1007
Tue May 28, 2013 10:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxable investing: investments every two weeks? quarterly?
Replies: 23
Views: 1968

Re: 401k vs roth

How do i know if my 401k has good investments? One of the sections in the template listed above gives a space to list investment options. Very smart people on the board will be happy to give their $0.02 on the options, but again, the best option/options for you will depend on a lot of other factors...
by stilts1007
Mon May 27, 2013 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k vs roth
Replies: 17
Views: 2835

Re: How do I sell a painting?

My mother just sold a couple of her late mother's paintings on eBay and the process seemed to go pretty well. They were a couple of original oil paintings by Kipniss (no idea who he/she is but apparently it is a pretty well-known name in the art community). Both sold for above what my grandma paid f...
by stilts1007
Tue Apr 30, 2013 4:00 pm
 
Forum: Personal Consumer Issues
Topic: How do I sell a painting?
Replies: 21
Views: 1615

Re: Whether to take dividends or automatically reinvest them

I am in the accumulation phase and plan to add to my taxable account on a regular basis, for me I plan to just rebalance with new money, as opposed to selling some funds to buy others. In my case, I prefer the ease of automatic reinvestment, as well as the ability to keep my new money "in the m...
by stilts1007
Mon Apr 29, 2013 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Whether to take dividends or automatically reinvest them...
Replies: 10
Views: 1305

Re: What expenses do you include for your emergency savings?

I know a lot of people consider any taxable investment accounts they have almost like an emergency fund, in that they can pull out of it if/when they need it, but you do run the risk of having to pull money out at a time when the market may be down (which in many lines of employment may be when layo...
by stilts1007
Mon Apr 29, 2013 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: What expenses do you include for your emergency savings?
Replies: 18
Views: 1703

Re: Can You Ace FINRA's Financial Literacy Quiz?

Unfortunately, the general public would not know half of these answers. :( Count me among that general public as of a year or so ago, makes me feel good to see what I have learned in the last few months, thanks in no small part to the people on this site. I may be more of a consumer of knowledge on...
by stilts1007
Fri Apr 26, 2013 10:43 pm
 
Forum: Investing - Theory, News & General
Topic: Can You Ace FINRA's Financial Literacy Quiz?
Replies: 111
Views: 6335

Re: Advice Wanted: Which Bond Fund in a Lazy Portfolio?

I just finished Larry Swedroe's bond book a few days ago, and while I know a lot more about bonds than I did before I read it, I didn't come away with a strong urge to move from Total Bond Index to anything else. There are definitely certain people for whom certain indices can be argued (i.e., TIPS ...
by stilts1007
Fri Apr 19, 2013 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice Wanted: Which Bond Fund in a Lazy Portfolio?
Replies: 6
Views: 1599

Re: Poll: How many $100 dinners out per year?

And if French Laundry will just take my reservation one of these days, then I can join the >$100 dinner club. If you (or any others on this thread) want to know the secret to getting reservations there send me a message and I can explain the trick to you, worked the first time I tried it. DEFINITEL...
by stilts1007
Wed Apr 17, 2013 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Poll: How many $100 dinners out per year?
Replies: 152
Views: 9856

Re: Poll: How many $100 dinners out per year?

Eating out is the one thing that the wife & I splurge on pretty regularly (although we try to limit ourselves to 1 per month). We take a lot of heat from our friends about it. But we also don't have cable, both drive 12-year-old cars that we bought used, go on vacation maybe once a year, and gen...
by stilts1007
Wed Apr 17, 2013 10:34 am
 
Forum: Personal Consumer Issues
Topic: Poll: How many $100 dinners out per year?
Replies: 152
Views: 9856
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