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Re: CFP or straight to Vanguard?

RE: the lump sum v. dollar cost averaging- I would encourage you to do what you are most comfortable with. There is the math argument re: going all in at once and then there is the psychological reality of how a big change would affect you, would you be tempted to pull out again, etc. If you decide...
by xram
Sun May 19, 2013 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: CFP or straight to Vanguard?
Replies: 40
Views: 1227

Re: Look at all the pretty colored [BOND] boxes.

This table makes it crystal clear what would be good investments in a long term falling rate environment. Save it for your kids to use in another 20 or 30 years when rates are back over 10%. For now, it's like looking at a chart of stock performance from the early 1980s when P/Es were well under 10...
by xram
Sun May 19, 2013 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 16
Views: 1218

Re: Vanguard Mobile "Portfolio Analysis" is awful

Mobile? why would an asset allocation issue be so urgent that it needs to be done via cell? Mobile prob includes iPad as well. I do everything in my iPad. I hate when I gotta open up the big old clunky laptop for anything. Don't even own a desktop anymore. And will probably never buy a desktop agai...
by xram
Sun May 19, 2013 11:11 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Mobile "Portfolio Analysis" is awful
Replies: 9
Views: 800

Re: Vanguard Mobile "Portfolio Analysis" is awful

I entered all my info for my schwab 401k PCRA into the vanguard website.

The values are correct on the main screen but completely incorrect in the portfolio analysis tool.

FYI.
by xram
Sun May 19, 2013 9:31 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Mobile "Portfolio Analysis" is awful
Replies: 9
Views: 800

Re: CFP or straight to Vanguard?

Paying $6000 the first year, and a similar amount every year thereafter, for a CFP is, pardon me for being blunt, stupid. You framed the issues clearly, and that means you have the intellect required to manage this money. I'm not flattering you, one could probably train a clever 10 year old to do i...
by xram
Sat May 18, 2013 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: CFP or straight to Vanguard?
Replies: 40
Views: 1227

Re: Betterment investments

Hang around here for a few more days and you'll figure out you can do it yourself without paying them a management fee on top of the underlying ETF expense ratios. Info on their asset allocation is here: https://www.betterment.com/about/investments/ +1 short video introduction to boglehead philosop...
by xram
Sat May 18, 2013 10:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Betterment investments
Replies: 4
Views: 409

Re: CFP or straight to Vanguard?

Ameriprise employs more CFP's than any other company. Their own website says so. http://www.ameriprise.com/financial-planning/ameriprise-financial-advisors/?link=nav Meh, you think that makes any of us want to choose Ameriprise? Put it in Vanguard. Qualify for Vanguard Select ($500k+). Get a compli...
by xram
Sat May 18, 2013 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: CFP or straight to Vanguard?
Replies: 40
Views: 1227

Re: Look at all the pretty colored [BOND] boxes.

The Wizard wrote:Would be amusing to compare the VG total bond fund return for each of the last 10 years as well.
Not sure if that can easily be done at M*...


I think it tracks the BAGG that is included in the list.

https://personal.vanguard.com/us/FundsS ... IntExt=INT
by xram
Sat May 18, 2013 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 16
Views: 1218

Re: Look at all the pretty colored [BOND] boxes.

Most of those pretty colored boxes have positive return numbers because rates have been falling over that time period. How will you feel about the pretty little boxes when all of the return numbers have minus signs in front of them? I wish I had the pretty colored boxes with the return numbers for ...
by xram
Sat May 18, 2013 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 16
Views: 1218

Re: Whart smartphone should I get?

As a true boglehead, I suggest you shun all phones and request an old tin can and some used string.

Check out my blog on the subject.

http://www.stringsandcansforphones.com

good luck
by xram
Fri May 17, 2013 11:59 pm
 
Forum: Personal Consumer Issues
Topic: Whart smartphone should I get?
Replies: 96
Views: 5762

Re: Who is the next Jack Bogle?

Image
by xram
Fri May 17, 2013 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: Who is the next Jack Bogle?
Replies: 4
Views: 641

Re: Look at all the pretty colored [BOND] boxes.

$10,000 invested before 2002 and left to ride through 2013 YTD would have grown to the following for each category: (ill double-check the numbers tomorrow, too tired tonight) EM - $33,003.39 <---------EMB (I think) HIGH-Yield - $24,777.50 <--------- PHIYX (I think) Long Treasuries - $23,823.15 US TI...
by xram
Fri May 17, 2013 11:23 pm
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 16
Views: 1218

Re: Look at all the pretty colored [BOND] boxes.

they added 2013 results YTD

Image
by xram
Fri May 17, 2013 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 16
Views: 1218

Look at all the pretty colored [BOND] boxes.

PIMCO'S BOND RETURN TABLE http://i39.tinypic.com/vy8hhe.jpg http://i44.tinypic.com/345zbb7.jpg I know the following question is being asked NOT based upon academic research or arguments but rather on a "gut feeling" while looking at the "periodic table of bond returns" above. Loo...
by xram
Fri May 17, 2013 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: Look at all the pretty colored [BOND] boxes.
Replies: 16
Views: 1218

Re: "Staying the Course"

It's funny to see how automatically new, as well as some of the more experienced posters, simply assume that they will easily stay the course for 40+ years. I'd like to see some kind of study showing how often people really make changes to their portfolio. I'm definitely in favor of nisiprius' sugg...
by xram
Fri May 17, 2013 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: "Staying the Course"
Replies: 27
Views: 2706

Re: Mountain America Credit Union 5-Year IRA CD

If using "not sure" seems to work fairly well when joining credit unions, has anybody tried this at

Southern gas credit union
http://www.depositaccounts.com/cd/3-year-cd-rates.html

They have 3year cd at 2.35%
by xram
Fri May 17, 2013 8:28 pm
 
Forum: Investing - Theory, News & General
Topic: Mountain America Credit Union 5-Year IRA CD
Replies: 24
Views: 2135

Re: Mountain America Credit Union 5-Year IRA CD

Eligibility Requirements for Mountain America credit unIon https://www.macu.com/aboutus/join/eligibility/ ELIGIBILITY To be eligible for Mountain America Credit Union membership, you must be one of the following: Resident of: Salt Lake County (UT) Duchesne County (UT) Wasatch County (UT) census trac...
by xram
Fri May 17, 2013 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: Mountain America Credit Union 5-Year IRA CD
Replies: 24
Views: 2135

Credit report for homeowners insurance

Im told by a state farm rep that One's credit report can only be "dinged" one time within a six week period when shopping around for homeowners insurance?

True?

I hope so


Xram
by xram
Wed May 15, 2013 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Credit report for homeowners insurance
Replies: 4
Views: 291

Re: Mountain America Credit Union 5-Year IRA CD

So I have total bond market in a Roth IRA at Vanguard.

I could "transfer" that Roth IRA to Mountain in order to take advantage of the CD being discussed?

Thanks
Xram
by xram
Mon May 13, 2013 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Mountain America Credit Union 5-Year IRA CD
Replies: 24
Views: 2135

Re: Obtaining University Scholarship(s)

OK, with your income and asssets, and her desire not to go into coaching softball or girls sports for a career, there is absolutely no point in trying to go the athletic scholarship route. No point whatsoever. There is no point in going for a need-based scholarship as well. That leaves merit-based ...
by xram
Mon May 13, 2013 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 1868

Re: Obtaining University Scholarship(s)

What program of study might she be interested in? A lot of non-prestigious schools have individual programs that are truly spectacular and lucrative (meteorology at the University of Oklahoma for example). She is not 100% sure but (as of right now) wants to eventually go to medical school. I told h...
by xram
Mon May 13, 2013 5:21 pm
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 1868

Re: Obtaining university scholarship(s)

Our daughter had virtually identical experience and credentials except not being anywhere close to need based aid. She got about 25% off from a few private schools that were a step down from ivy league. Full ride offers to a few schools that she didn't apply to because of being a national merit sch...
by xram
Mon May 13, 2013 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 1868

Re: Homeowners Insurance.

by xram
Mon May 13, 2013 11:48 am
 
Forum: Personal Consumer Issues
Topic: Homeowners Insurance.
Replies: 10
Views: 703

Homeowners Insurance.

Buying our first home.

Closing may 31st.

Need homeowners insurance.

Any suggestions?

Companies you like?

Good deals?

Gonna research this myself but never hurts to ask.

Thanks
Xram
by xram
Mon May 13, 2013 11:45 am
 
Forum: Personal Consumer Issues
Topic: Homeowners Insurance.
Replies: 10
Views: 703

Re: Using 529 as a Retirement Account

Thanks for all the replies. Very helpful.
by xram
Mon May 13, 2013 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Using 529 as a Retirement Account
Replies: 28
Views: 1789

Re: Obtaining University Scholarship(s)

Thanks for all the replies. Very helpful. We are very much OK with our kids going to reasonable "good" state schools. That's what I did and I am doing "very well" in my career and financially as well. ---- I started at a community college. Ended up graduating "Summa CUm Laud...
by xram
Mon May 13, 2013 10:09 am
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 1868

Re: Mountain America Credit Union 5-Year IRA CD

Thank you for the info.
by xram
Mon May 13, 2013 1:23 am
 
Forum: Investing - Theory, News & General
Topic: Mountain America Credit Union 5-Year IRA CD
Replies: 24
Views: 2135

Re: Using 529 as Retirement Account

Bobby Bell puts $25,000 into two 529 plan. Plan One grows to $60,000 and Plan 2 grows to $40,000. His grandniece has $35,000 of QHEE. He removes $30,000 from Plan One. It will be tax free. (He is not using the money to help her pay for education. He is only following the rules.) I am curious to kno...
by xram
Sun May 12, 2013 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: Using 529 as a Retirement Account
Replies: 28
Views: 1789

Obtaining University Scholarship(s)

My oldest daughter is about to turn 16. Very high grades. Lots of honors. Will need academic not need-based scholarships. Just starting the process to find academic scholarships. Plays softball. Might win state this year..... Preparing for ACT/SAT. Any advice? Good books? Any Insights? thanks, xram....
by xram
Sun May 12, 2013 11:38 am
 
Forum: Personal Consumer Issues
Topic: Obtaining University Scholarship(s)
Replies: 54
Views: 1868

Re: Books that have actually changed your life, in a way.

Atlas Shrugged.
-Ayn Rand
by xram
Sat May 11, 2013 7:30 pm
 
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 149
Views: 8693

Re: Using 529 as Retirement Account

Thanks for the replies.
by xram
Sat May 11, 2013 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Using 529 as a Retirement Account
Replies: 28
Views: 1789

Re: Using 529 as Retirement Account

The article makes the following assumptions regarding the taxable account. Doesn't seem correct to me. http://i39.tinypic.com/35kvl2g.png Here is the table of results. When the ratio (529/taxable) becomes greater than one, the 529 "wins" at that number of years. http://i42.tinypic.com/2wbu...
by xram
Sat May 11, 2013 10:25 am
 
Forum: Investing - Theory, News & General
Topic: Using 529 as a Retirement Account
Replies: 28
Views: 1789

Re: Using 529 as Retirement Account

If I'm not mistaken, they saw the possibility of abuse, but didn't do anything about it. Aren't those simply proposals that didn't take place? They've already taken care of using the plan for retirement purposes by imposing the 10% penalty. For some odd reasons the final regulations take a long tim...
by xram
Sat May 11, 2013 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Using 529 as a Retirement Account
Replies: 28
Views: 1789

Re: My soon-to-be worst investment ever

We are buying a house right now. 2.5% rate. Unlike other docs I see around me, we are buying a very reasonable house. The mortgage payment will eat up 4.6% of our monthly take home pay. I will sleep very well. 31% seems too high for me. Dont know about you but I wouldn't be able to do it. I wish you...
by xram
Sat May 11, 2013 9:17 am
 
Forum: Personal Finance (Not Investing)
Topic: My soon-to-be worst investment ever
Replies: 56
Views: 17585

Using 529 as a Retirement Account

Hello. Trying to figure out if makes sense to use a 529 plan as a retirement account and just pay the penalty. Assume highest tax bracket Assume all othe tax advantaged space already used up. http://www2.stetson.edu/fsr/abstracts/vol_12_num4_p309.pdf Reading this study right now. If anybody has figu...
by xram
Fri May 10, 2013 11:46 pm
 
Forum: Investing - Theory, News & General
Topic: Using 529 as a Retirement Account
Replies: 28
Views: 1789

Re: Nongovernmental 457(b) and employer's creditors (legal)

Our state's 529 does not have very good investment options and, in general, 529 plans offer very limited tax advantages but expose you to higher tuition risks. Now, given the fact that we are in the highest tax bracket, the latter is not a big concern, as we're unlikely to qualify for any breaks an...
by xram
Fri May 10, 2013 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Nongovernmental 457(b) and employer's creditors (legal)
Replies: 45
Views: 963

Re: Convert SIMPLE to Roth? Advisor: Stay with American Fund

IMO, yes, the advisor is just trying to keep your business. I don't blame him; this is how he makes his money. Either you believe in low cost indexing, or you don't. If you want actively manage funds, you could do much worse than American Funds. But I (and nearly all Bogleheads) believe that low-co...
by xram
Thu May 09, 2013 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Convert SIMPLE to Roth? Advisor: Stay with American Funds
Replies: 14
Views: 643

Re: Help a new investor with his finances/portfolio...

Xram, Thanks for the advice... I am looking into options for the refinance of my mortgage, but as we took out a doctor's loan (maybe not the best decision), we have little equity in the property yet. It's looking like I'd have to come up with 10% of the loan value in order to refinance, which may n...
by xram
Thu May 09, 2013 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help a new investor with his finances/portfolio...
Replies: 5
Views: 614

Re: Nongovernmental 457(b) and employer's creditors

For people who don't use their respective 457(b)'s, do you max out all your other retirement options and, if it wasn't for this employer insolvency concern associated with 457(b)'s, would you invest in them as well? What I am getting at is that if you don't have the money to fully max out all your ...
by xram
Thu May 09, 2013 10:30 am
 
Forum: Investing - Theory, News & General
Topic: Nongovernmental 457(b) and employer's creditors (legal)
Replies: 45
Views: 963

Re: Nongovernmental 457(b) and employer's creditors

I don't use mine. Never. No way. No thank you.
by xram
Thu May 09, 2013 8:49 am
 
Forum: Investing - Theory, News & General
Topic: Nongovernmental 457(b) and employer's creditors (legal)
Replies: 45
Views: 963

Re: Help a new investor with his finances/portfolio...

I'm a new doc as well. Finished residency 1.5 years ago. Consider paying off car loan and mortgage before any additional taxable investing. I'm not an expert on mortgages (I'm getting my first one right now) but yours seems kinda high. We locked in 2.5%. Can you refinance? http://whitecoatinvestor.c...
by xram
Thu May 09, 2013 7:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Help a new investor with his finances/portfolio...
Replies: 5
Views: 614

Re: Any way to highlight the original poster in a thread?

Within a thread, does the site's software permit highlighting the thread starter's original post and any subsequent posts by him or her? I've seen this feature in use on other boards, and it makes it a lot easier to keep track of any replies by the original poster (OP), if there are any. It also pr...
by xram
Wed May 08, 2013 7:31 pm
 
Forum: Forum Issues and Administration
Topic: Any way to highlight the original poster in a thread?
Replies: 10
Views: 626

Re: How Much Did You Spend on Your Engagement Ring??

No engagement ring.

Just a wedding ring.

about 1400 for wife ..... her's was a very lo-key ring. old fashioned looking. no big stone. exactly what she wanted and not too much money spent on peice of glass.....

and 300 for me

as far as i recall
by xram
Wed May 08, 2013 7:30 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 252
Views: 9641

Re: What is the consensus on High Yield Bond Funds?

We should consider not referring to Eric (aka "EDN") anymore as I understand he is no longer a member of the forum. Why would that be? Is he a pariah because he got involved in some heated debates here? He made some excellent contributions (imho) whether one agreed with his point of view ...
by xram
Tue May 07, 2013 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: What is the consensus on High Yield Bond Funds?
Replies: 111
Views: 17641
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