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Re: Which tax advantage accounts do I use for 3-funds?

livesoft wrote:Because I am like most Bogleheads, I hold fixed income to minimize risk.


In that case it's simpler and more effective to just keep the fixed income in the pre-tax account and avoid the mental trap that market timing will maximize your roth.
by sunnyday
Tue Jul 22, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 764

Re: Which tax advantage accounts do I use for 3-funds?

If that were true, why aren't all my accounts 100% equities? If you're like most Bogleheads, holding fixed income is to minimize risk. Trying to maximize your roth and minimize your pre-tax 401k by timing the market seems pointless to me since I don't believe in market timing. If you really believe...
by sunnyday
Tue Jul 22, 2014 3:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 764

Re: Which tax advantage accounts do I use for 3-funds?

Work as in determining if the outlook for equities is good or bad. What's your basis for that? I have feelings. I have no scientific basis whatsoever for my feelings. Do you have any better suggestions on what I should use instead? I don't have better suggestions other than flipping a coin. To me, ...
by sunnyday
Tue Jul 22, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 764

Re: Which tax advantage accounts do I use for 3-funds?

Work? In this modern error of a click to make an exchange? It took more work to type out this response than it does to make a couple of exchanges once or twice a year. As for tracking, let me go look …. Roths are up 10.4% and 11.0% year-to-date. There was some RBD trading in them this year. So they...
by sunnyday
Tue Jul 22, 2014 1:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 764

Re: Which tax advantage accounts do I use for 3-funds?

+1 for equities in roth, fixed income in pre-tax accounts. I put equities and fixed income in both accounts. If I think the outlook for equities is poor, then I decrease equities in Roth and increase bonds in Roth. I make the reverse change in my 401(k). If I think the outlook for equities is good, ...
by sunnyday
Tue Jul 22, 2014 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which tax advantage accounts do I use for 3-funds?
Replies: 19
Views: 764

Re: Pet fish recommendations

Since the OP mentioned a pet alternative (dog) first, albeit probably as a joke, I would encourage you to consider a cat or kitten from a shelter. Should be less trouble than a fish (based on my reading of the thread so far). Less than a dog (no walks in the rain, heat, cold, etc). If you get one, ...
by sunnyday
Mon Jul 21, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: Pet fish recommendations
Replies: 22
Views: 1438

Re: Pet fish recommendations

My water company said the water is treated with chloramines. So I guess I need a testing kit too and whatever removes the chloramines.

After my wife read this thread, I joked that we should get a dog instead so it will be easier to take care of.
by sunnyday
Mon Jul 21, 2014 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Pet fish recommendations
Replies: 22
Views: 1438

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

I'm going to sound like a salesman. Did you know: Ground clearance for a 2015 Ford Explorer is 7.5" http://www.ford.com/suvs/explorer/specifications/exterior/ Ground clearance for a 2015 Subaru Outback is 8.7" http://www.cars101.com/subaru/outback/outback2015.html Visually the Outback is ...
by sunnyday
Mon Jul 21, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 37
Views: 3764

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

Frankly, I don't buy the "don't overcomplicate" argument here. A dollar in a roth is definitely worth more than a dollar in a traditional ira/401k. I agree that you shouldn't waste hours predicting future tax rates and guessing which bracket you are going to fall into, however, almost any...
by sunnyday
Sun Jul 20, 2014 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 69
Views: 2576

Re: Pet fish recommendations

Thanks for the replies. I may need to get more things than I anticipated. My wife isn't on board yet, but I think I'll try to convince her. Here's what i'm thinking about getting: 3 gallon tank w/ filter - http://www.amazon.com/Tetra-29095-Cube-Aquarium-3-Gallon/dp/B008CA7W7E/ref=sr_1_1?ie=UTF8&...
by sunnyday
Sun Jul 20, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Pet fish recommendations
Replies: 22
Views: 1438

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

I don't and based on this poll - http://www.bogleheads.org/forum/viewtopic.php?f=10&t=131310 most Bogleheads do not What is your asset allocation right now, for rebalancing purposes? Is it: 50% Bond / 50% Stocks (75K each) or is it: 55% Bonds / 45% Stocks Doc7: I don't even know my best asset-al...
by sunnyday
Sun Jul 20, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 69
Views: 2576

Re: Help me reduce portfolio from 16 to 3!

So here’s what I’m doing… His 401k: Spartan Total Market FSTVX 35% Her 403B: AHRP Capital Preservation Account (Stable) 22% Pimco PTRAX 5% His Roth: Vanguard Total US VTSAX 9% Vanguard Total INTL VTIAX 21% VG "TIPS" Inflation-Protected Sec. VAIPX 7% Her Roth: Vanguard REIT VNQ 1% Dom Eq =...
by sunnyday
Sun Jul 20, 2014 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me reduce portfolio from 16 to 3!
Replies: 15
Views: 1834

Stable Value Fund vs Total Bond Market

What do you prefer and why?
by sunnyday
Sun Jul 20, 2014 9:33 am
 
Forum: Investing - Theory, News & General
Topic: Stable Value Fund vs Total Bond Market
Replies: 26
Views: 1869

Pet fish recommendations

My toddler loves animals so we're thinking about getting her a fish. We would like something that is low maintenance and a small enough tank where we can move it to a friends place while we're out of town. Any recommendations for types of fish and other things we'll need?
by sunnyday
Sat Jul 19, 2014 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Pet fish recommendations
Replies: 22
Views: 1438

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

Here's a quick update. I realized that the Outlander Sport isn't as safe as I originally thought so I decided against it before ever taking it for a test drive. it sold within a couple days -- I'm surprised the dealer had it marked so low since small CUVs are so popular now. My wife and I test drove...
by sunnyday
Sat Jul 19, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 37
Views: 3764

Re: Unlimited Book Subscription vs Amazon Kindle Unlimited

Thanks all for the tips -- much appreciated! :sharebeer
by sunnyday
Sat Jul 19, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited Book Subscription vs Amazon Kindle Unlimited
Replies: 7
Views: 1303

Re: Taxed advantage and expense ratios!

Wow, those are some expensive funds. My wife has SSgA S&P 500 through her company and I think the ER is less than 0.1%. I'm not sure how big your company is but you may worth teaming up with coworkers to try to get HR to change providers. Does it make sense to get rid of PIMCO and use a Vanguard...
by sunnyday
Sat Jul 19, 2014 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxed advantage and expense ratios!
Replies: 3
Views: 236

Unlimited Book Subscription vs Amazon Kindle Unlimited

Has anyone decided to pay the monthly fee to sign up for Amazon Kindle Unlimited? I was about to after first reading about it but the web page was down when I went to do the free-30 day trial. Also the first 3 books that I searched for were not part of the subscription plan. Seems like I'm better of...
by sunnyday
Fri Jul 18, 2014 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Unlimited Book Subscription vs Amazon Kindle Unlimited
Replies: 7
Views: 1303

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

Dang, I am trying Penfed 2015 Subaru Outback (limited + eyesight) pricing for my zipcode and it came up with $32,785 incl fees. That is still $2000 under the price the dealer gave me today of $34,860 incl fees, which they claimed was a deal price. Does anyone else have experience to know if dealers...
by sunnyday
Wed Jul 16, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 37
Views: 3764

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

If you are willing to go basic on the used car, why not consider going basic on the new car? Would seem to a better comparison would be a base Forester vs the Outlander. That said, at $14K and 20K miles that is likely the way to go budget-wise. Whenever I look at base subaru's, I think I might as s...
by sunnyday
Wed Jul 16, 2014 4:55 pm
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 37
Views: 3764

Re: $32k Subaru Outback or $14k Mitsubishi Outlander Sport

Thanks for the replies. The Outlander Sport gets great reliability marks on consumer reports. I believe it’s also Mitsubishi’s top selling car and sales are increasing significantly. I would prefer going with one of the big 4 companies from Japan (Subaru, Toyota, Honda, Mazda) but those used cars se...
by sunnyday
Wed Jul 16, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 37
Views: 3764

$32k Subaru Outback or $14k Mitsubishi Outlander Sport

I've been planning to buy a 2015 Subaru Outback Limited with eyesight for a while but have been waiting until they become available. The car is very safe, very practical, gets good gas mileage, but (although we can afford it) at $32k OTD, it's about 10% the value of our house which feels like a lot ...
by sunnyday
Tue Jul 15, 2014 11:17 pm
 
Forum: Personal Consumer Issues
Topic: $32k Subaru Outback or $14k Mitsubishi Outlander Sport
Replies: 37
Views: 3764

POLL: Walmart vs Amazon

What do you prefer and why? How do prices match up and do you have tips for Amazon shopping as far as getting everyday items like paper towels, soap? Do you buy any food or buy in bulk off of Amazon? What are some other factors such as job creation, local tax revenue, etc? I shop at both but after s...
by sunnyday
Sat Jul 12, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7920

Re: [Poll] Which do you include in Asset Allocation?

I don't have an AA. Asset allocation is an investment strategy that attempts to balance risk versus reward by adjusting the percentage of each asset in an investment portfolio according to the investor's risk tolerance, goals and investment time frame. I have no strategy, and I never use percentage...
by sunnyday
Tue Jul 01, 2014 9:45 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Which do you include in Asset Allocation?
Replies: 41
Views: 2630

Re: 457B plan versus taxable account

and what are the fees (ER) and what is your marginal tax bracket?
by sunnyday
Tue Jul 01, 2014 9:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: 457B plan versus taxable account
Replies: 5
Views: 464

Re: POLL: Mortgage as a negative bond

Why would anyone treat a mortgage as a negative bond? Is as dumb as treating SS benefits as part of fixed income for the purpose of determining AA. Depends on what you mean. I'd say borrowing at 6% for a mortgage while investing at 2% in a taxable account is dumb. I'd say merely labeling a mortgage...
by sunnyday
Tue Jul 01, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2874

Re: POLL: Mortgage as a negative bond

Agreed. Negative bonds is a wrong terminology that OP used. Negative bond is the most common terminology that I've seen on here. That's why I used it. There will probably be confusion no matter what terminology is used. FWIW, I'm in the my portfolio is my portfolio, my house is my house camp
by sunnyday
Tue Jul 01, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2874

Re: 2015 Subaru Outback

For gas mileage, the 2015 Outback is rated at 33 highway, 25 city -- the same as a crosstrek and much better than most cars in it's class. I think the Outback drives more like a car than other SUVs and the OB seats are more comfortable. With the improved interior and gas mileage, I bet we're going t...
by sunnyday
Tue Jul 01, 2014 10:38 am
 
Forum: Personal Consumer Issues
Topic: 2015 Subaru Outback
Replies: 18
Views: 2082

Re: POLL: Mortgage as a negative bond

But why on earth would somebody do this? It's cumbersome and serves no purpose. Why pretend you have $100k in bonds when you clearly have $300k in bonds? This seems even dumber than what I thought it meant earlier. The Guidelines for making the choice section in "Paying down loans versus inves...
by sunnyday
Tue Jul 01, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2874

Re: Accepting a check for an online transaction

Ok, thanks all for the replies. I'm surprised because myself and the buyer/scammer had a lot of back and forth over specifics for about 9 days. Everything seemed legit, but then today once the price was agreed on, some red flags started to come up. It is something that I can sell locally. It may tak...
by sunnyday
Mon Jun 30, 2014 11:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accepting a check for an online transaction
Replies: 8
Views: 440

Re: Accepting a check for an online transaction

Ok, thanks for the replies. The amount for the item is $1,500 so it's not an extremely expensive amount. It's also a very big item that is tough to sell or ship.

Even with PayPal, couldn't he say that he never received the item?
by sunnyday
Mon Jun 30, 2014 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accepting a check for an online transaction
Replies: 8
Views: 440

Accepting a check for an online transaction

I'm selling a large item online. A potential buyer who lives in WY said he can send me a check. Once the check clears, is everything good? Or is there a chance the check could be from a fraudulent account and my bank would then deduct the amount from my account? Would it be better to request a bank ...
by sunnyday
Mon Jun 30, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accepting a check for an online transaction
Replies: 8
Views: 440

Re: POLL: Mortgage as a negative bond

Say someone is starting out investing and has a $200k mortgage. If they decide to treat the mortgage as a negative bond, wouldn't they need to have $200k in bonds before investing in equities? This question has to be answered on a case by case basis, and depends on a variety of factors (type of bon...
by sunnyday
Mon Jun 30, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2874

POLL: Mortgage as a negative bond

I personally don't. But one question I have is:

Say someone is starting out investing and has a $200k mortgage. If they decide to treat the mortgage as a negative bond, wouldn't they need to have $200k in bonds before investing in equities?
by sunnyday
Mon Jun 30, 2014 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Mortgage as a negative bond
Replies: 89
Views: 2874

Re: Pay down (not off) mortgage?

The main takeaway for me is that before investing in a taxable account, you should consider whether the bonds you hold make less than they would paying down the mortgage. Investors still shouldn't forgo taking advantage of tax-advantaged space to the maximum extent possible. I practice this myself;...
by sunnyday
Mon Jun 30, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down (not off) mortgage?
Replies: 51
Views: 4223

Re: Pay down (not off) mortgage?

You should compare the expected total return of your portfolio not just the expected return of one bond fund or stock fund. Only if you assume that you would have the same asset allocation regardless of debt. Many people look at their portfolios and wonder why they would borrow at a guaranteed 3.25...
by sunnyday
Mon Jun 30, 2014 3:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down (not off) mortgage?
Replies: 51
Views: 4223

Re: Pay down (not off) mortgage?

Yes I admit to muddied thinking about the whole 'mortgage is a negative bond' idea. If yes then I could arguably increase equities as I pay down the loan. If no then I would just pay down the loan. Of course I hope for > 3.25% on my total portfolio but wouldn't I want to make apples-to-apples compa...
by sunnyday
Mon Jun 30, 2014 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay down (not off) mortgage?
Replies: 51
Views: 4223

Re: 2015 Subaru Outback

People are saying great things about the interior improvements with the 2015 Outback - http://www.subaruoutback.org/forums/138 ... 5-present/

I'm planning to get one once they're available with eyesight this fall
by sunnyday
Mon Jun 30, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: 2015 Subaru Outback
Replies: 18
Views: 2082

Re: Please help us decide where to live

Congrats on the decision. I've always thought Boise looked appealing. Definitely post back and let us know how you like it. Also, considering that hardly anyone mentioned Boise, but tons of people recommended SLC, you may want to do a short term rental in Boise and make a few trips to SLC and compar...
by sunnyday
Sun Jun 29, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7766

Re: Two month car rental

I did cross country trip in my Toyota Camry last year. 18K miles, 20 National Parks in about 6 months. No problems. How old is your car? When are you due for tires, brakes, timing belt etc? Sounds like an amazing trip -- what were your favorite National Parks? If someone is driving a lot miles each...
by sunnyday
Sat Jun 28, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Two month car rental
Replies: 28
Views: 1896

Re: Two month car rental

Try autoslash.com. A few people recommended it to me in one of my previous posts. It checks daily for better deals and will email you if it found one. I just used and got a standard size car for less than $20 /day including taxes. Also, some rental companies don't charge extra for your spouse to dri...
by sunnyday
Sat Jun 28, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Two month car rental
Replies: 28
Views: 1896

Re: Please help us decide where to live

+1. In 1975 I went to the library in Richmond, VA and found a large, atlas-style book which covered all the states in the USA, and each page provided with blackened circles of varying sizes the incidence of natural disasters, evil weather, you-name-it over all portions of the country. From that I d...
by sunnyday
Sat Jun 28, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7766

Re: Please help us decide where to live

So are you any closer to your decision? :) Here's a house in Brevard, NC within your price range - http://www.zillow.com/homedetails/271-Joree-Ln-Brevard-NC-28712/2144167895_zpid/ I've never been to Reno -- maybe I'd love it... but I think I'd much prefer living in Brevard/Asheville. Especially if y...
by sunnyday
Sat Jun 28, 2014 9:26 am
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7766

Re: Retired Bogleheads want to relocate to California

I hope to semi-retire very early in California. My plan is to build up a big enough portfolio to live anyplace that has a standard to low cost of living area. But instead, my wife and I will work part-time (maybe 20-30 hours a week combined) and that will be used to cover housing and travel. After o...
by sunnyday
Fri Jun 27, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6736

Re: Please help us decide where to live

I just solved your problem -- SLO. I just did a zillow search for homes in San Luis Obispo and was shocked that there's a bunch in your price range. Perfect weather, really cool downtown, great university, diverse, liberal, amazing beach, mountains, just up the road from our dream location (Santa B...
by sunnyday
Fri Jun 27, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7766

Re: Please help us decide where to live

I just solved your problem -- SLO. I just did a zillow search for homes in San Luis Obispo and was shocked that there's a bunch in your price range. Perfect weather, really cool downtown, great university, diverse, liberal, amazing beach, mountains, just up the road from our dream location (Santa Ba...
by sunnyday
Fri Jun 27, 2014 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7766

Re: Please help us decide where to live

I think these threads always wind up this way. The OP asks for help narrowing down his long list and everyone responds with additional suggestions to add and consider. :oops: Thanks for all of the suggestions. We lived in Portland for a while, and have visited friends in Olympia and Bellingham. Both...
by sunnyday
Thu Jun 26, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7766

Re: Please help us decide where to live

My ideal would be very similar to your ideal -- Santa Barbara plus Tahoe, Boulder, Bend I've been to a lot of the places you mentioned. One place I rule out is Albuquerque. It seemed like a lot of traffic and suburban sprawl to me. Also, I don't think the outdoor activities compare to their to the o...
by sunnyday
Thu Jun 26, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Please help us decide where to live
Replies: 169
Views: 7766

Re: Buying Certified Pre-Owned Vehicles

For the gas mileage of the Sonata, it seems like hit or missed based on the reviews. But I think it is more than the way people drive, especially considering Hyundai settled a lawsuit and is giving reimbursements. http://www.edmunds.com/hyundai/sonata/2013/?tab-id=reviews-tab&sub=sedan http://ww...
by sunnyday
Thu Jun 26, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Buying Certified Pre-Owned Vehicles
Replies: 23
Views: 2326

Re: Buying Certified Pre-Owned Vehicles

Thanks for the replies. After doing some research, I found a lot of complaints with Sonatas not getting the advertised gas mileage. I'll probably spend about $14k more and get a new loaded Outback instead If you are worried about MPG, Outback certainly ain't your vehicle :? Safety is my top priorit...
by sunnyday
Thu Jun 26, 2014 11:32 am
 
Forum: Personal Consumer Issues
Topic: Buying Certified Pre-Owned Vehicles
Replies: 23
Views: 2326
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