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Re: Please take a look at my 401k options

HurdyGurdy wrote:The first one has already about 55% in the US, and it could provide your needed US stock allocation. (The second one would only provide international stock allocation.)

Good catch, I had overlooked that.
by telemark
Sun Feb 01, 2015 2:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Please take a look at my 401k options
Replies: 13
Views: 360

Re: Is this the "new cash"?

We all want the safe investment that pays 6% rain or shine, but it's gone and it isn't coming back. An all weather portfolio is not an equivalent to that.
by telemark
Sun Feb 01, 2015 12:59 am
 
Forum: Investing - Theory, News & General
Topic: Is this the "new cash"?
Replies: 11
Views: 1328

Re: POLL: How Will You Complete Your 2014 Taxes?

I've always used Turbotax since I'm lazy and it was the path of least resistance. This year that would mean either buying a Windows PC or jumping back on the Apple treadmill, so I'm going to give Taxact a try.
by telemark
Sun Feb 01, 2015 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 36
Views: 1839

Re: Please take a look at my 401k options

Pick the cheapest funds that get the allocation you want. In this instance the US All Cap Equity Fund and the SSGA US Bond Index look like good picks. Do a little research on those. If you want some international exposure in stocks, add the Dodge & Cox International. I think you must work for K...
by telemark
Sun Feb 01, 2015 12:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Please take a look at my 401k options
Replies: 13
Views: 360

Re: Please take a look at my 401k options

Welcome to the forum. If you want a three fund portfolio , I would choose AOJFT for international ZSUSBT for bonds KRX04 for U.S. stock AOJFT and ZSUSBT appear to be collective investment trusts with attractive expense ratios. KRX04 has a high expense ratio but you don't seem to have any other optio...
by telemark
Sun Feb 01, 2015 12:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Please take a look at my 401k options
Replies: 13
Views: 360

Re: Searching with google while using Safari

When I downloaded TT Deluxe, it told me it would not run on my operating system which was Snow Leopard (10.6.4) at the time. It said it needed 10.7 (Lion) or later.

Thanks. Time to review my options, I guess.
by telemark
Fri Jan 30, 2015 1:28 pm
 
Forum: Personal Consumer Issues
Topic: Searching with google while using Safari
Replies: 31
Views: 1250

Re: The challenges of staying the course...

Goldman Sachs Small Cap Value 3.3%

You don't say which share class, but I see that GSSIX has an expense ratio of 0.95%. I like small cap value but not at that price: even if it does well, and it doesn't always, the expenses will eat up any outperformance.
by telemark
Fri Jan 30, 2015 1:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: The challenges of staying the course...
Replies: 29
Views: 2118

Re: Searching with google while using Safari

I had to pay to upgrade the operating system because turbotax would not work on what I had. Now you've got me worrying. Can anyone verify that turbotax still runs on 10.6 (Snow Leopard)? If not I'm going to need a plan B. Foxfire doesn't even bother showing the prefix in the address bar or bookmark...
by telemark
Fri Jan 30, 2015 12:40 pm
 
Forum: Personal Consumer Issues
Topic: Searching with google while using Safari
Replies: 31
Views: 1250

Re: What if everyone was a Boglehead saver?

You've described the Paradox of Thrift . A similar phenomenom, which we saw after the financial crisis, is what happens when everyone decides to pay down their debt at the same time. It might be possible to create an economy that doesn't depend so heavily on consumer spending, but that's not the eco...
by telemark
Thu Jan 29, 2015 9:52 pm
 
Forum: Investing - Theory, News & General
Topic: What if everyone was a Boglehead saver?
Replies: 18
Views: 1996

Re: Choosing betwen funding emergency fund and Roth IRA

I don't use MM, but consider it safe enough. If you're that worried, most banks would be happy to open a Roth IRA for you.
by telemark
Thu Jan 29, 2015 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Choosing betwen funding emergency fund and Roth IRA
Replies: 7
Views: 776

Re: Meaning of EMH

I suspect not. Those kind of remarks usually come from people who don't understand the EMH or are deliberately misrepresenting it.
by telemark
Thu Jan 29, 2015 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Meaning of EMH
Replies: 6
Views: 684

Re: Anticipating the pain [of one day portfolio drop]

The first drop in your shiny new portfolio is like the first ding on your new car; the pain you feel is all out of proportion to the actual damage. After a few years you stop worrying about it.
by telemark
Wed Jan 28, 2015 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anticipating the pain [of one day portfolio drop]
Replies: 13
Views: 1715

Re: Morley Stable Value

PICYX is a managed fund with a 0.66% expense ratio, but I have a particular interest in it because the other choices in my current 401K are even less appealing. You can pull up basic data on it from lots of places, for example http://finance.yahoo.com/q?s=PICYX http://money.usnews.com/funds/mutual-f...
by telemark
Wed Jan 28, 2015 4:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Morley Stable Value
Replies: 4
Views: 559

Re: Critique of Fidelity Index Portfolio

FAGIX - Cap & Income High Yield Corp Bonds (Exp .71%) 8.0% Just my opinion, but that's a lot to pay for a higher correlation with stocks. In your place, I would roll that into the TBM and TIPS indexes. Yes, the yield is lower, but if you're adding $3,300 a week in new money you shouldn't be too...
by telemark
Wed Jan 28, 2015 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Critique of Fidelity Index Portfolio
Replies: 28
Views: 1403

Re: What Book Are You Currently Reading? Part VI

I just finished reading Hild, by Nicola Griffith, for the second time around, something I rarely do with a book. This is a novel set on a large island* off the coast of what is now France, a century or three before 1066. Hild is a historical character mentioned by the venerable Bede, but not much is...
by telemark
Tue Jan 27, 2015 4:43 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 442
Views: 57473

Re: Just purchased 2015 maximum EE Series Bonds

If I had some extra money that I knew I wouldn't need for 20 years, EE bonds would look very tempting. But my cash flow isn't that good and I'm not willing to give up that much liquidity, or take on that much inflation risk. A lot can happen in twenty years.
by telemark
Tue Jan 27, 2015 12:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just purchased 2015 maximum EE Series Bonds
Replies: 67
Views: 3990

Re: Is it time to give-up on TIPS?

On the flip-side, the contrarion side of me is screaming to stay in them, Right. and selling them now would be poor timing. Right. I've read that a diversified investor should have one part of their portfolio that they absolutely hate. Right now, that's TIPS for me----I'm okay with everything else ...
by telemark
Mon Jan 26, 2015 8:22 am
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 42
Views: 4511

Re: Recommend a clickless mouse

The click is a result of providing tactile feedback, so that people definitely know whether they've pressed hard enough or not. It's the same reason some of us love the old IBM keyboards, and why almost every mouse you try will make some sound when you click it. I regret not having any recommendatio...
by telemark
Mon Jan 26, 2015 8:01 am
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 33
Views: 2359

Re: Anyone still keep DVDs?

I keep the ones I have, but I notice that the last time I actually watched one was October of 2013. Hmm...
by telemark
Sun Jan 25, 2015 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Anyone still keep DVDs?
Replies: 27
Views: 1729

Re: Vanguard too successful?

Good analogy with grocery stores. Grocery stores now compete mostly on price and operate on very thin margins. No one wants to see that happen to their business, so we can expect the finance industry to continue resisting this trend in highly imaginative ways. Even if other companies start to offer ...
by telemark
Wed Jan 21, 2015 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard too successful?
Replies: 13
Views: 2142

Re: $7 gas - what would you do?

Last summer I started taking public transportation to work, not every day, but a few days a week, and I found that I really like not having to drive on the freeway. So I plan to continue doing that no matter what happens to gas prices.
by telemark
Wed Jan 21, 2015 1:16 pm
 
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 18724

Re: Google Chrome: is this a mega security problem?

In the same vein, by default Android saves your wifi passwords in the cloud , because gosh, isn't that the way you would want it? But your email password is particularly important, even without the cloud. When a hacker calls the friendly rep at any place you have an account and asks for a password r...
by telemark
Tue Jan 20, 2015 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6585

Re: Moca Adapters

What this does is transmit a separate signal over your coax cable, in somewhat the same way that DSL can carry networking data and voice over the same copper wire. I don't know the details but assume they use different frequencies and filters to maintain the separation. You still need an internet pr...
by telemark
Mon Jan 19, 2015 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Moca Adapters
Replies: 12
Views: 910

Re: ROTH as a Emergency Fund Vehicle

Those in favor are most likely recommending it as a temporary step, until there is enough to fund an EF and IRA. Exactly. The presumption is that in the future your cash flow will improve to the point where contribution limits become a problem. This doesn't apply to everyone, and won't always work ...
by telemark
Sun Jan 18, 2015 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: ROTH as a Emergency Fund Vehicle
Replies: 19
Views: 1964

Re: Can't purchase Index funds at Ameriprise?

When my 401K was managed by Ameriprise, some of the money was in an S&P 500 index fund. The expense ratio was a mere 1.50%, quite reasonable in comparison to most of the other available funds. I met with the advisor once and his only suggestion was to get rid of the index fund. I don't think muc...
by telemark
Sat Jan 17, 2015 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't purchase Index funds at Ameriprise?
Replies: 11
Views: 952

Re: ROTH as a Emergency Fund Vehicle

If you have to choose between building an emergency fund or investing in a Roth IRA, then putting the emergency fund in a Roth is a good idea. You can always withdraw the basis if you need it, but since true emergencies are (or should be) rare, you're opening up tax advantaged space that you can use...
by telemark
Sat Jan 17, 2015 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH as a Emergency Fund Vehicle
Replies: 19
Views: 1964

Re: Wall Street Rises Again- Atlantic Monthly

I expect investing in the next five years to be dominated by events that "no one could possibly have foreseen", and that may well include another financial crisis. My only plan is to stay diversified and avoid making big bets. Especially big bets on sure things...
by telemark
Thu Jan 15, 2015 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Wall Street Rises Again- Atlantic Monthly
Replies: 9
Views: 1489

Re: Scott Burns Couch Potato Cookbook

You can read Burns' own explanation here . This is from 2002, if he's said anything more recently I've overlooked it. In general I would say that inflation protection is not a free extra but is included in the purchase price. TIPS have lagged a bit in the past few years, perhaps because the much-pre...
by telemark
Tue Jan 13, 2015 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Scott Burns Couch Potato Cookbook
Replies: 1
Views: 402

Re: Looking for a small cap fund in my 401k

One is tilted toward "the black hole of investing" (small cap growth). The other also has some small cap value in it.
by telemark
Tue Jan 13, 2015 8:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for a small cap fund in my 401k
Replies: 4
Views: 299

Re: Was it a mistake to move into PenFed 5-year CDs a year a

I think Kevin M has the right of it. We should not confuse strategy with outcome, but the same decision may be the result of a good process or a very flawed one. If you make decisions based on a rational analysis of your own need and tolerance for risk, understanding that any strategy may underperfo...
by telemark
Thu Jan 08, 2015 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Was it a mistake to move into PenFed 5-year CDs a year ago?
Replies: 55
Views: 4870

Re: Buffett quote of the day: Market is a "Drunken Psycho"

Not so many years ago we were seeing daily swings of 3 to 5 percent. Based on that, I'd say Mr. Market isn't even staggering yet, just a little unsteady on his feet.
by telemark
Wed Jan 07, 2015 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett quote of the day: Market is a "Drunken Psycho"
Replies: 12
Views: 2817

Re: WEP Wifi when travelling

so using a VPN, like at a starbucks, or a hotel, doesn't increase security? whether its WEP or WPA2 , etc ? It's more that they protect different things. I'll explain as best I can, and perhaps someone else can correct any mistakes. Information almost never travels directly anywhere on the internet...
by telemark
Wed Jan 07, 2015 2:43 pm
 
Forum: Personal Consumer Issues
Topic: WEP Wifi when travelling
Replies: 21
Views: 1985

Re: WEP Wifi when travelling

Given the way email is transmitted, you should never assume that it's anything but public. For banking, nothing is completely secure, but a VPN is probably as good or better than your home connection. Even https is probably good enough. Do make sure your firewall is active with no incoming connectio...
by telemark
Tue Jan 06, 2015 11:33 pm
 
Forum: Personal Consumer Issues
Topic: WEP Wifi when travelling
Replies: 21
Views: 1985

Re: How Many Credit Cards do you have?

One, and I even use it occasionally, but you should really have an option for zero :wink:
by telemark
Tue Jan 06, 2015 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 17568

Re: Poll: Do you own I Bonds?

I'm gradually moving my emergency fund into I bonds. This year's installment goes in at the end of the month. "High yield" savings accounts just don't cut it any more.
by telemark
Tue Jan 06, 2015 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5474

Re: 20% to REITs?

We have many insightful comments on REITs held in isolation, but this is almost always the answer to the wrong question, for any asset class. The more useful question is how an asset class works with the rest of a portfolio. Dropping 20% of REIT into a standard three-fund portfolio would almost cert...
by telemark
Sun Jan 04, 2015 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20% to REITs?
Replies: 22
Views: 2645

Re: Should I be slightly worried (401k bond choices)

Let me phrase a different question: Is there anyone who believes it a bad idea to slightly drop equity exposure on the basis that this bond fund will behave more like equity than a "safer" bond fund? I was just thinking about suggesting that when I reached your post. Remembering that none...
by telemark
Sun Jan 04, 2015 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I be slightly worried (401k bond choices)
Replies: 19
Views: 950

Re: Replacing rented Comcast cable modem?

And Comcast just raised the price again, to $120/year. You can buy a pretty decent modem for that.

http://arstechnica.com/business/2014/12 ... per-month/
by telemark
Fri Jan 02, 2015 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Replacing rented Comcast cable modem?
Replies: 58
Views: 17370

Re: 20% to REITs?

I'm using the same allocation in my Roth IRA, although the amounts are not a large part of my portfolio. I think 20% is not too much in the context of this portfolio, bearing in mind that it is unconventional: more like a Permanent Portfolio without the gold. You can expect REIT to have very bad yea...
by telemark
Thu Jan 01, 2015 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20% to REITs?
Replies: 22
Views: 2645

Re: Dual Boot Mac Mni

Personally I never go below 8 gigs, although that isn't quite the question you asked. The latest incarnation of the Mini has the RAM soldered in place, which is possibly a reason to look for a used model. On the older models you could just open the back, didn't even need tools.
by telemark
Mon Dec 29, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Dual Boot Mac Mni
Replies: 17
Views: 1216

Re: Maxing out 401k and compensating from savings

When you increase your 401k contribution you get more tax deferral on your current earned income. I don't think your analysis takes that into account.
by telemark
Sun Dec 28, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maxing out 401k and compensating from savings
Replies: 11
Views: 1095

Re: Do you have or recommend a Financial Only PC?

Part of me is wondering if a tablet using the institutions financial apps might not be the safest way to go. No! No no no no no. Use XP before you do that. Not only is the operating system not very secure, as Ged already mentioned, but the quality of many apps is barely above execrable. If you do u...
by telemark
Mon Dec 22, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 7333

Re: Laptop as a hard drive

When my desktop died around, I think, 2003 I hooked up my laptop instead, and it worked so well I just used it that way for a few years. the only disadvantage I can think of is that you will probably pay more for the laptop than a comparable desktop. But the laptop will be quieter and you can always...
by telemark
Sun Dec 21, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Laptop as a hard drive [Laptop as a desktop]
Replies: 29
Views: 1988

Re: Ski questions from a Southerner

I've never tried downhill skiing, but I used to do a lot of cross country. With that in mind I recommend polypropylene long underwear. No cotton, unless you are looking for a Jack London experience. Look for synthetics or wool. You can expect to fall down a lot, so the outer layer should be water re...
by telemark
Sat Dec 20, 2014 5:11 am
 
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 42
Views: 4951

Re: Agent authorization vs Beneficiary

As I understand it, beneficiary designation overrides any will or other considerations, so probate should not be involved. But agent authorization ends with the death of the primary, so your wife would have to wait for Vanguard to distribute the money to her, and there would be some delay even witho...
by telemark
Thu Dec 18, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Agent authorization vs Beneficiary
Replies: 2
Views: 252

Re: Comcast Performance 25 Mbps vs Blast 105 MBps

If the Blast package includes a higher upload speed and you're doing backups to a cloud service, you might see some benefit from that.
by telemark
Thu Dec 18, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Comcast Performance 25 Mbps vs Blast 105 MBps
Replies: 17
Views: 2297

Re: What desktop should I buy.

This is probably over your stated price range, but Compulab makes a line of small desktop PCs they warrant for 60 months, excluding the hard drive. http://www.compulab.co.il/products/embedded-pcs/ I have a fit-PC3 running Linux I'm pretty happy with: low power and completely quiet, so I don't mind l...
by telemark
Wed Dec 17, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: What desktop should I buy.
Replies: 36
Views: 2717

Re: Went "all in" Nov 17-21 in VTTHX (2035) - worried...

I suggest reading this: They're all making it up.

Short form: the stock market and oil prices are uncorrelated, except in the headlines.
by telemark
Mon Dec 15, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Went "all in" Nov 17-21 in VTTHX (2035) - worried...
Replies: 26
Views: 3459

Re: Dilbert's View of Financial Advisors

No man is wiser than Socrates :wink:
by telemark
Mon Dec 15, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: Dilbert: Everything you need to know
Replies: 20
Views: 3000

Re: Comcast's XFINITIWIFI

If you don't use their voice service then just buy your own cable modem and router. In the long run it will be cheaper and they can't run any of their extra services on your hardware. Yes, this is better than the advice I offered (I'd forgotten that cable modems are easy to find). Longtime comcast ...
by telemark
Sat Dec 13, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Comcast's XFINITIWIFI
Replies: 29
Views: 2393
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