Search found 1283 matches

by LAlearning
Wed Sep 28, 2016 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 51
Views: 2352

Re: Anyone feel like ripping this asset allocation to shreds?

seekinganswers wrote: I don't know if it is just this form's general stance or if there is actually intelligent minds out there that are not pushing gold - seems like it has been a debatable topic.


im pretty sure buffet doesnt push gold. and has a few famous phrases about it.
by LAlearning
Wed Sep 28, 2016 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Fido is Cheaper; My Reasons to Stick With Vanguard
Replies: 29
Views: 2612

Re: Fido is Cheaper; My Reasons to Stick With Vanguard

Also per Bogle Fido will get sold within 5 years.
by LAlearning
Wed Sep 28, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: Please recommend a new tablet
Replies: 24
Views: 1662

Re: Please recommend a new tablet

iPad. mine is 4 years old...
by LAlearning
Sun Sep 25, 2016 11:46 am
Forum: Investing - Theory, News & General
Topic: Selling in October
Replies: 43
Views: 2823

Re: Selling in October

MEA wrote:
LAlearning wrote:Uh, why would this pay off?

You must not have the same fear of October that I have.


i have no fear of the market.
by LAlearning
Sun Sep 25, 2016 8:18 am
Forum: Investing - Theory, News & General
Topic: Selling in October
Replies: 43
Views: 2823

Re: Selling in October

Uh, why would this pay off?
by LAlearning
Thu Sep 22, 2016 3:02 pm
Forum: Personal Consumer Issues
Topic: First time negotiating for a car. Have questions
Replies: 27
Views: 1974

Re: First time negotiating for a car. Have questions

Wait... Buying a new car, can only put down minimum and finance rest? Does she have sufficient funds and taking advantage of a low rate, or can she just not afford this? If the later, no need to negotiate on something you can't afford.
by LAlearning
Thu Sep 22, 2016 2:48 pm
Forum: Investing - Theory, News & General
Topic: I guess we better peek when it comes to Vanguard
Replies: 37
Views: 5150

Re: I guess we better peek when it comes to Vanguard

Just this week undid a service fee on our checking account. Always check.
by LAlearning
Thu Sep 22, 2016 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account conundrum
Replies: 6
Views: 778

Re: Taxable account conundrum

vtsax and vtiax are very tax efficient.
so if they bug you, your dividend stocks will give you an ulcer.
by LAlearning
Wed Sep 21, 2016 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Starting to Invest
Replies: 15
Views: 925

Re: Starting to Invest

I don't think you know what diversified means.
by LAlearning
Wed Sep 21, 2016 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investment vs smaller sums over time
Replies: 13
Views: 553

Re: Lump sum investment vs smaller sums over time

Lump wins 2/3 of the time. You can search this forum, it has been discussed many times.
by LAlearning
Sun Sep 18, 2016 1:05 pm
Forum: Investing - Theory, News & General
Topic: The coming municipal bond crisis
Replies: 51
Views: 7116

Re: The coming municipal bond crisis

Thanks Larry. I dont hold the state specific fund for that exact reason. More digging/research would be welcome.
by LAlearning
Sun Sep 18, 2016 12:27 pm
Forum: Investing - Theory, News & General
Topic: The coming municipal bond crisis
Replies: 51
Views: 7116

Re: The coming municipal bond crisis

Most of the board uses Vanguards National intermediate municipal bond fund (not the index). While im sure it includes the 11 states you avoid Mr. Swedroe, can you comment on their screening/picking process or is that unknown?
by LAlearning
Sat Sep 17, 2016 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Target date funds vs asset allocation
Replies: 4
Views: 540

Re: Target date funds vs asset allocation

Go with your AA. Never trust anything.
by LAlearning
Fri Sep 16, 2016 1:46 am
Forum: Investing - Help with Personal Investments
Topic: Considering a 20% swing in my asset allocation
Replies: 41
Views: 2954

Re: Considering a 20% swing in my asset allocation

What not 40:60 and re-eval after a few years?
by LAlearning
Tue Sep 13, 2016 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: What shape is your net worth curve?
Replies: 44
Views: 5062

Re: What shape is your net worth curve?

Shape? An up arrow...
by LAlearning
Fri Sep 09, 2016 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Why are Treasury prices AND Stock prices both down today?
Replies: 45
Views: 4237

Re: Why are Treasury prices AND Stock prices both down today?

Why do you care? Are you still in accumulation phase? Did you rebalance?
by LAlearning
Fri Sep 09, 2016 3:26 pm
Forum: Investing - Theory, News & General
Topic: Wall St. Nuclear Meltdown
Replies: 62
Views: 8595

Re: Wall St. Nuclear Meltdown

Whakamole wrote:
LAlearning wrote:VNQ is down 4%. Very bond like to me...


It's also distribution day for that fund, does that drop include the distribution?


I hope so. Then we'll get a bunch of "where did my money go?!" threads.
by LAlearning
Fri Sep 09, 2016 3:03 pm
Forum: Investing - Theory, News & General
Topic: Wall St. Nuclear Meltdown
Replies: 62
Views: 8595

Re: Wall St. Nuclear Meltdown

VNQ is down 4%. Very bond like to me...
by LAlearning
Thu Sep 08, 2016 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Just starting Roth IRA with fidelity
Replies: 23
Views: 1315

Re: Just starting Roth IRA with fidelity

I think I would do some more reading before doing that.
by LAlearning
Thu Sep 08, 2016 11:11 am
Forum: Investing - Help with Personal Investments
Topic: New money
Replies: 15
Views: 1686

Re: New money

Or just dump it into your already created plan.
by LAlearning
Tue Sep 06, 2016 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor
Replies: 5
Views: 436

Re: New Investor

Sure. Not enough information to say much though.
by LAlearning
Tue Sep 06, 2016 8:20 pm
Forum: Personal Finance (Not Investing)
Topic: House buying and planning
Replies: 9
Views: 1348

Re: House buying and planning

Ugh your down payment is a mansion in cash not in California haha.
by LAlearning
Tue Sep 06, 2016 8:10 pm
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 60
Views: 6212

Re: FTIPX-Fidelity ® Total International Index Fund : Okay to buy now ?

Seeing as Bogle thinks fidelity will be sold in 5 years... Maybe not!
by LAlearning
Tue Sep 06, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: Missed Call Notification on Samsung Galaxy J3V
Replies: 7
Views: 490

Re: Missed Call Notification on Samsung Galaxy J3V

Your phone should just blink for any notification. And you'll see the number just like you mentioned. If you are not checking your phone, then clearly whatever you missed is not important.
by LAlearning
Sun Sep 04, 2016 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell taxable investment to pay down fiance's debt?
Replies: 32
Views: 1800

Re: Should I sell taxable investment to pay down fiance's debt?

he actually might make closer to 180 as they all just got a raise. but agree. sell, make more conservative. but dont pay it off yet. he needs to refinance and get his house in order before you commingle them.

once married, then id take the "us" approach and attack that debt like mad.
by LAlearning
Sat Sep 03, 2016 9:20 pm
Forum: Personal Consumer Issues
Topic: Next Weekend Car - Dodge Viper to What?
Replies: 65
Views: 4685

Re: Next Weekend Car - Dodge Viper to What?

A 911 is not different.
by LAlearning
Sat Sep 03, 2016 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Timing your purchase of MFs
Replies: 8
Views: 1055

Re: Timing your purchase of MFs

No, no, and no. Carry on.
by LAlearning
Sat Sep 03, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: How do you stop yourself from checking your balances?
Replies: 66
Views: 3874

Re: How do you stop yourself from checking your balances?

jabberwock wrote:I'm pretty dialed in for the long run at this point. I only check on up days and never during periods of down markets, and make changes about once a year.


Your missing a lot of great opportunities then...
by LAlearning
Sat Sep 03, 2016 12:07 pm
Forum: Personal Consumer Issues
Topic: Which android phone to buy?
Replies: 52
Views: 6032

Re: Which android phone to buy?

Note 7 post update.
by LAlearning
Sat Sep 03, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: How do you stop yourself from checking your balances?
Replies: 66
Views: 3874

Re: How do you stop yourself from checking your balances?

I don't. I check them everyday. Can't remember the last time I changed anything though...
by LAlearning
Sun Aug 28, 2016 10:58 am
Forum: Personal Consumer Issues
Topic: 2013 vs 2016 CR-V
Replies: 30
Views: 1977

Re: 2013 vs 2016 CR-V

New. Don't live with a 5 speed auto for the next 10 years...
by LAlearning
Sun Aug 21, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: Best Crossover SUV to purchase
Replies: 146
Views: 13501

Re: Best Crossover SUV to purchase

3 pages and we haven't bought anything yet?! :oops:
by LAlearning
Sun Aug 21, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Are these fees / returns reasonable
Replies: 38
Views: 2728

Re: Are these fees / returns reasonable

They are reasonable if you believe you are getting $18,000 per year of value out of the arrangement. I would personally never give someone my entire yearly 401k contribution to "manage" my money. It's up to you. This. Except they still aren't reasonable even if you believe it was justified.
by LAlearning
Thu Aug 18, 2016 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund Admiral Shares
Replies: 9
Views: 905

Re: Vanguard Health Care Fund Admiral Shares

huh? is this a question or a statement?
by LAlearning
Sat Aug 13, 2016 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Is a backdoor Roth IRA really worth it?
Replies: 6
Views: 591

Re: Is a backdoor Roth IRA really worth it?

Common mistake. You failed to realize the high earner cannot deduct a tIRA as stated above.

So immensely yes it is worth it. As long as we have it :|
by LAlearning
Sat Aug 13, 2016 8:33 am
Forum: Personal Consumer Issues
Topic: Building a Pool
Replies: 44
Views: 2937

Re: Building a Pool

Don't do it.
by LAlearning
Fri Aug 12, 2016 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off student loans quickly versus investing
Replies: 23
Views: 1689

Re: Paying off student loans quickly versus investing

I think the OP means it won't be 6.8%. After refinancing to 2-3%, you will have room to do both. But I would still prioritize loans as they otherwise will just hang over your head.
by LAlearning
Fri Aug 12, 2016 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Longtime Lurker Finally Ready to Bare It All ;)
Replies: 32
Views: 2759

Re: Longtime Lurker Finally Ready to Bare It All ;)

50k/yr to Ameriprise? That single disaster overshadows any other hard work you do.

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