Search found 156 matches

by Cruncher
Fri Sep 15, 2017 12:50 am
Forum: Investing - Theory, News & General
Topic: Bitcoin is dropping right now after a big Chinese exchange announces closure
Replies: 81
Views: 5567

Re: Bitcoin is dropping right now after a big Chinese exchange announces closure

Am I the only one who views Bitcoin as another Madoff pyramid scheme?

I am sure I am missing something, but whaaaaat?
by Cruncher
Wed Sep 13, 2017 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: 3F Portfolio Beginner with Low Income
Replies: 7
Views: 1448

Re: 3F Portfolio Beginner with Low Income

The first 10 years you invest, may eclipse the last 50.

Great start young "DN"!

You will be head and shoulders above your peers.

As you get raises, pay yourself first.
by Cruncher
Wed Sep 13, 2017 11:31 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102231

Re: The Three-Fund Portfolio

The Boglehead philosophy of investing will do much for my heirs.

Signed,

A 3-funder.

:beer
by Cruncher
Wed Sep 13, 2017 1:25 am
Forum: Personal Finance (Not Investing)
Topic: Anyone else freeze their credit score?
Replies: 126
Views: 10651

Re: Anyone else freeze their credit score?

Okay, the big 3, innovis and chexsystems. Who else do we protect our identity through? I had not heard of the latter two until this week. This is a mess that might last many years, if not longer like forever (until you die that is). All of our personal information is always available on the dark web...
by Cruncher
Fri Jun 02, 2017 9:47 pm
Forum: Investing - Theory, News & General
Topic: Dealing with Impatience reaching financial goals
Replies: 30
Views: 3511

Re: Dealing with Impatience reaching financial goals

A lot of good advice in this thread. I was going to suggest plotting out what your portfolio "should" be with where you are in your accumulation years (taking into account your expected average rate of returns). If you do that, you'll see that the balance is painfully low for quite awhile....
by Cruncher
Wed May 10, 2017 3:22 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 41
Views: 3945

Re: Portfolio Tracking Tools

No, just asset values. I suppose I don't because I don't (or haven't) really see a reason to. It won't change my Asset Allocations. Googledocs looks like they might have that functionality though. We use Schwab, Vanguard and Fidelity. We use Vanguard for our Roth IRAs, 529 plans and the other two i...
by Cruncher
Mon May 08, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 41
Views: 3945

Re: Portfolio Tracking Tools

This a bit more time consuming that I thought ... I can't upload a picture. Essentially, the top row in my portfolio has the columns listed as: Ticker ER Account Value Target Actual Rebalance Difference VITSX 0.04% $X 50% %51.5 "Good" $y (this is the 1.5% portfolio excess) VTSNX DFGEX .......
by Cruncher
Sun May 07, 2017 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 41
Views: 3945

Re: Portfolio Tracking Tools

For rebalance triggers, use this simple logic formula: =IF(G17>(1.25*F17),"REBALANCE!",IF(G17<(0.75*F17),"REBALANCE!"," Good")) Notes : F17 = Target Asset Allocation (this is your target asset allocation of whatever particular asset, F17 is the cell this value is locate...
by Cruncher
Sun May 07, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 41
Views: 3945

Re: Portfolio Tracking Tools

No, just asset values. I suppose I don't because I don't (or haven't) really see a reason to. It won't change my Asset Allocations. Googledocs looks like they might have that functionality though. We use Schwab, Vanguard and Fidelity. We use Vanguard for our Roth IRAs, 529 plans and the other two in...
by Cruncher
Sat May 06, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 41
Views: 3945

Re: Portfolio Tracking Tools

Oops, not Control + Enter


Command + Enter puts { } around the function.


I can't figure out how to edit the above post ... also forgive my grammar. :beer
by Cruncher
Sat May 06, 2017 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 41
Views: 3945

Re: Portfolio Tracking Tools

Tri, cool link! Back to my Excel portfolio management. I'll to try keep this simple and (hopefully) explain how to go from Schwab to Excel (in a format you can use for management). Again, if you can't keep it simple (3-fund), or just want another option to monitor / manage your own portfolio, here's...
by Cruncher
Sat May 06, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 41
Views: 3945

Re: Portfolio Tracking Tools

Confused, Okay, time for full disclosure My post above about being a former slice-n-dicer is true. However, I didn't change that part of my portfolio. I just stopped "actively" funding it. I let this portion of my portfolio wax and wane with the market. If a trigger is hit, I'll rebalance ...
by Cruncher
Sat May 06, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tracking Tools
Replies: 41
Views: 3945

Re: Portfolio Tracking Tools

I just use a simple Excel spreadsheet document. Been using it for years, though the Googledocs looks interesting. However, with a lineup like: VITSX VTSNX DFGEX VBTIX It ain't that hard. If I may offer some advice? Stay away from individual stocks. But if you MUST, keep it a small portion of your ov...
by Cruncher
Tue May 02, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 206
Views: 17905

Re: What is your overall portfolio weighted expense ratio

7.84 basis pts: 50% VITSX 0.04% 30% VTSNX 0.10% 10% DFGEX 0.24% 10% VBTIX 0.05% However, we just scored the Vanguard Tgt Dated retirement funds at 5 basis points at work! Alas, looks like my "management" of my portfolio will truly be a set it and forget it !! as it should be ... Thanks Jack!
by Cruncher
Wed Apr 26, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 41081

Re: Larry Swedroe says "Goodby."

Larry,

Thank you for your contribution to the financial health to so many.

I understand your reasoning for retiring from forums. Enjoy life, it's short enough.

Thanks again! :beer

Cheers,

Cruncher
by Cruncher
Sun Jun 26, 2016 5:58 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102231

Re: The Three-Fund Portfolio

Taylor, I hang on the fringes of Bogle forum time ... thank you for your contribution to society. I know that be a little heavy, but thanks anyway. Ditto your work with my grandpa a generation ago. Regarding the 3-fund portfolio, I have just recently converted to a 3-fund portfolio. I've been a slic...
by Cruncher
Mon Jun 13, 2016 2:01 pm
Forum: Investing - Theory, News & General
Topic: Inevesting Mistakes or Regrets
Replies: 49
Views: 5738

Re: Inevesting Mistakes or Regrets

My mistakes can be summarized by not becoming a Boglehead much earlier.

It's a mistake I hope to have my kids not make ... :happy
by Cruncher
Mon Jun 13, 2016 1:53 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102231

Re: The Three-Fund Portfolio

Actually, with your lifetime income potential, I can't think of a time when it'll be more beneficial for you to NOT select a target dated retirement fund over managing even a 3-fund portfolio yourself, at least from a cost perspective. Assuming your career stays in medicine. As your portfolio grows ...
by Cruncher
Mon Jun 13, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 1839
Views: 1102231

Re: The Three-Fund Portfolio

Josh, As Lady Geek has posted, manage your Risk first. If you are comfortable with a 90/10 mix than go for it. When the market "corrects", you be able to wake up, drink a cup of coffee then go play golf. The market jitters can't make you watch CNBC, nor worry about the "current" ...
by Cruncher
Mon Jun 13, 2016 1:11 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 206
Views: 17905

Re: What is your overall portfolio weighted expense ratio

0.13%, across all accounts, though I do have some active (DFA) funds mixed in there. That being said, we've recently achieved access to some new VG funds at my 401k. VITSX (we already had VIIIX; I haven't decided on which to invest in, the total US mkt or just stick with SP500), VTSNX & VBTIX. G...
by Cruncher
Tue Apr 19, 2016 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 question
Replies: 5
Views: 739

Re: Form 8606 question

If I go by this guys' suggestion,

http://whitecoatinvestor.com/backdoor-roth-ira-tutorial/

line 2 would always be zero (assuming I converted all Traditional IRA assets at the end of every year).

:oops:
by Cruncher
Tue Apr 19, 2016 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Form 8606 question
Replies: 5
Views: 739

Re: Form 8606 question

Thanks Epsilon!

Yea, I spent all day yesterday trying to figure out the basis, which affects the rest of the form (& all subsequent forms).

I'll be here all day ... :sharebeer
by Cruncher
Tue Apr 19, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Form 8606 question
Replies: 5
Views: 739

Form 8606 question

Hello all, I know, good timing for this question (at the bottom): On Form 8606, Line 2: Enter your Total Basis in traditional IRAs (See Instructions)... Instructions : Line 2 Generally, if this is the first year you are required to file Form 8606, enter -0-. Otherwise, use the Total Basis Chart, lat...
by Cruncher
Tue Sep 08, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Rebalancing
Replies: 42
Views: 5797

Re: The Final, Definitive Thread on Rebalancing

stlutz,

Awesome post! I don't come on here much, actually aside from this past weekend, been probably over a year. But that post nailed it, like I haven't missed anything!

Keep rocking'! :sharebeer
by Cruncher
Tue Sep 08, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: 401k Company match question
Replies: 11
Views: 1174

Re: 401k Company match question

Thanks Savings, and others too ...

Figured this was not possible, as I've never heard of it before. Just thought I'd ask others more knowledgeable than the HR person.
by Cruncher
Mon Sep 07, 2015 5:57 pm
Forum: Investing - Theory, News & General
Topic: 401k Company match question
Replies: 11
Views: 1174

Re: 401k Company match question

All, thanks for the replies ... Learaar, For #1, see if I understand what you mean: will her company allow us to contribute "after tax" dollars (from whatever income sources) into her 401k beyond the 402(g) limits (presently $18k)? If so, I've never thought of that idea. However, at first ...
by Cruncher
Mon Sep 07, 2015 1:36 pm
Forum: Investing - Theory, News & General
Topic: 401k Company match question
Replies: 11
Views: 1174

Re: 401k Company match question

Thank you ved, but why not? Is there a law against this (IRS Rule, GAAP rule, ...)?

How is this different than negotiating one's own compensation?
by Cruncher
Mon Sep 07, 2015 12:38 pm
Forum: Investing - Theory, News & General
Topic: What to hold F o r e v e r
Replies: 42
Views: 6317

Re: What to hold F o r e v e r

The only time I sell any of the aforementioned, is for annual rebalancing (if necessary).

Cruncher
by Cruncher
Mon Sep 07, 2015 12:33 pm
Forum: Investing - Theory, News & General
Topic: 401k Company match question
Replies: 11
Views: 1174

401k Company match question

Hello all, My wife and I both work and 402(g) max out our 401k contributions. We also both maximize our savings into a Roth IRA annually and save quite a bit into both of our kids' 529 plans. We live comfortable on my salary alone and are considering asking my wife's company to change the way she is...
by Cruncher
Sat Jun 01, 2013 3:04 am
Forum: Investing - Theory, News & General
Topic: What is your equity allocation to international?
Replies: 56
Views: 6302

Re: What is your equity allocation to international?

Right at 30% total portfolio:

12% Lg / Med Developed
5% Lg / Med Emerging
8% Sm Value (DISVX - suppose not a true index fund)
5% Sm Blend (developed)

FWIW.

Good luck!
by Cruncher
Mon Apr 29, 2013 1:40 pm
Forum: Investing - Theory, News & General
Topic: Whether to take dividends or automatically reinvest them...
Replies: 10
Views: 1559

Re: Whether to take dividends or automatically reinvest them

Retiredjg's link is a good complete answer: Cliff notes version: Dividends are taxed from a taxable account the same regardless of what you do with them, burn 'em, automatic reinvest them, give 'em away, ... whatever. So your decision really resides on what your intent is with the "new" mo...
by Cruncher
Mon Apr 22, 2013 1:28 pm
Forum: Investing - Theory, News & General
Topic: Charlie Ellis & Burton Malkiel say 0% bonds OK under 50
Replies: 155
Views: 24067

Re: Charlie Ellis & Burton Malkiel say 0% bonds OK under 50

To the OP, You could be 0% bonds, but that's not very good at risk management. In my view, AA is risk management, or rather achieving the highest risk-adjusted return possible. 100% equities does not fit that goal. Many studies show a better return with bonds. If nothing else, the bond (read: lower ...
by Cruncher
Mon Mar 11, 2013 3:05 pm
Forum: Investing - Theory, News & General
Topic: The mechanics of doing asset allocation
Replies: 8
Views: 1087

Re: The mechanics of doing asset allocation

Here's how I break my AA down: Asset class Target AA D Lg Blend 15% D Med Blend 15% D Sm Blend 7% D Sm Value 8% REIT 10% I Lg & Med Mkt 12% Emerg Mkts 5% I Sm Value 7% I Sm Mkt 6% Total bond 11% TIPS 4% Money Mkt 0% 100% I do reference M*, but don't get too wrapped around the axle. i used to hav...
by Cruncher
Wed Feb 13, 2013 1:22 pm
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 3253

Re: Buy and hold Sell covered calls

Rai, This is exactly what some friends of mine do. They do it particularly with ESPP company stock, though others delve into the "volatile stocks." Over the years, they amassed a sizable amount, which they sell covered calls on. Now, the stock isn't as volatile as AAPL, and the premium is ...
by Cruncher
Fri Feb 08, 2013 4:45 pm
Forum: Investing - Theory, News & General
Topic: Stocks are at a 5 year high, now what?
Replies: 55
Views: 8721

Re: Stocks are at a 5 year high, now what?

Rick, What am I going to do? I'm gonna "stay on timeline". Does that bring you back to your 7523 days? If my portfolio indicates a rebalance, then I'll rebalance. If not, then I'll continue to chase the laggards with new monies. I'm guessing, the 5-year high will incite the greed emotion a...
by Cruncher
Fri Feb 08, 2013 12:21 am
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 3253

Re: Buy and hold Sell covered calls

Magic,

Of course!

Thank you
by Cruncher
Thu Feb 07, 2013 6:03 pm
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 3253

Re: Buy and hold Sell covered calls

Folks, This is exactly the kind of discussion I was looking for! There is the simple, from Larry to describing the mathematical, logical and emotional (all the others). I thank everyone for their inputs. I can now go back to my IPS and say, this subject has been researched and I'm sticking to my bor...
by Cruncher
Wed Feb 06, 2013 11:26 pm
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 3253

Re: Buy and hold Sell covered calls

Larry, Thank you for your time answering. I respect your professional knowledge you share with us (ditto a lot or you folks ) BBL, I suppose I was thinking once a Call was in the money, the holder would execute the option and purchase the stocks (from me) at the strike price (releasing my capital to...
by Cruncher
Wed Feb 06, 2013 4:48 pm
Forum: Investing - Theory, News & General
Topic: Buy and hold Sell covered calls
Replies: 36
Views: 3253

Buy and hold Sell covered calls

Hello all, Been a Boglehead since before my start date on this forum. To keep this post succinct, I'll just say I'm a true believer in our ways. The only time I sell any asset, is to rebalance; which is not done very often, currently I rebalance twice a year, 1) when I fund my Roth IRAs and 2)when m...
by Cruncher
Sun Dec 16, 2012 3:19 am
Forum: Investing - Theory, News & General
Topic: International REITs anyone?
Replies: 55
Views: 10467

Re: International REITs anyone?

I have access to DFGEX (er 0.86%) in my 401k. I split my REIT AA between DFGEX, SCHH (er 0.07%), and VNQ (er 0.12%).

DFGEX makes up about half my RE AA. FWIW.
by Cruncher
Fri Dec 14, 2012 11:53 am
Forum: Investing - Theory, News & General
Topic: Expense Ratios
Replies: 62
Views: 5959

Re: Expense Ratios

Wow,

Just realized that all the managing I do on my portfolio matches the er of VTTHX. Wow, just had a "could of had a V8" moment. :oops:

Interesting observation on my part ... sorry thinking (writing) out loud. :beer
by Cruncher
Fri Dec 14, 2012 11:40 am
Forum: Investing - Theory, News & General
Topic: Expense Ratios
Replies: 62
Views: 5959

Re: Expense Ratios

Goalie, I'll have to look at her account again. I set the Vanguard option years ago, as it was the only "low cost" option. I was happy about having this option, but when I dug through the weeds on total costs, it came up as 0.94%. Since I had this exact same MF at Vanguard, the difference ...
by Cruncher
Thu Dec 13, 2012 5:45 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios
Replies: 62
Views: 5959

Re: Expense Ratios

To steal someone else' reply: 0.19% (weighted average) Though to put it into perspective: 75 % equities, 15% FI, 10% REIT Eq = 40% US + 35% International FI = 10% Barclays US Agg Bond + 5% TIPs REIT = mix of VNQ, SCHH, & DFGEX No cash. Cruncher PS in my wife's IRA (managed by TransAmerica) I hav...
by Cruncher
Fri Oct 12, 2012 4:09 pm
Forum: Investing - Theory, News & General
Topic: Some interest questions
Replies: 6
Views: 487

Re: Some interest questions

Sorry if my original post was vague. When "interest rates" rise? sscritic, I had a similar story. I wasn't one, but the interest rates were in the 13% is memory serves me correct. To clear up my post (again) Is it cheaper for the fed to repurchase outstanding debt "when" rates ri...
by Cruncher
Fri Oct 12, 2012 3:50 pm
Forum: Investing - Theory, News & General
Topic: Some interest questions
Replies: 6
Views: 487

Some interest questions

All, What are some opinions of the US equity market when this happens? What about the international market (either developed & EM)? Not to make this a political post, but how are we going to service 16 Trillion dollars in federal debt? When rates rise, will the face value of outstanding treasuri...
by Cruncher
Tue Sep 25, 2012 4:21 am
Forum: Investing - Theory, News & General
Topic: I will stay the course and stay safe
Replies: 49
Views: 3642

Re: I will stay the course and stay safe

Where am I going with this, dunno. It's late, don't post much on this forum, but here goes: I-95 has killed more people than the war in Vietnam. I grew up in S Fl, and remember all the drivers' ed classes. Miss Fl a little. When you are away for long periods of time, when you return, the smell is ve...
by Cruncher
Mon Sep 24, 2012 1:46 pm
Forum: Investing - Theory, News & General
Topic: Schwab slashes ETF fees
Replies: 84
Views: 11354

Re: Schwab slashes ETF fees

My wife's 401k is with schwab, but doesn't allow for investments outside of the selected mutual funds...oh but WAIT! I logged in and poked around, and saw this PCRA option, which seems like it's similar to an "add-on" brokerage account to the 401k. I had read their literature on it in the...
by Cruncher
Thu Aug 30, 2012 1:39 am
Forum: Investing - Theory, News & General
Topic: Case against Index funds
Replies: 50
Views: 6705

Re: Case against Index funds

Sorry is this has been mentioned:

...are the cons of index funds


It's boring.

It just keeps climbing, getting your fair share.

-C
by Cruncher
Wed Aug 29, 2012 2:41 am
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 8437

Re: Large Value tilt?

Taylor,

Very true. There are few ex-Marines. Once a Marine, Always a Marine.

Mel,

Semper Fi to you my brother!

Cruncher
by Cruncher
Tue Aug 28, 2012 2:37 am
Forum: Investing - Theory, News & General
Topic: Large Value tilt?
Replies: 90
Views: 8437

Re: Large Value tilt?

William, I agree. My bride is a bit older than me, not by much (couple months), but I still remind her on occasion . If I knew my time was up, yea I'd convert it all. But if I go in a giant ball of flames, well guidance is there too. As a former Marine, we had a little saying, no matter how difficul...