Search found 238 matches

by Mill
Wed Feb 15, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Home Buyer Advice
Replies: 2
Views: 208

Re: First Time Home Buyer Advice

Have you calculated how much extra you would be paying for PMI?
by Mill
Wed Feb 15, 2017 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 4
Views: 535

Re: Portfolio Advice

youre going to need bonds eventually, so I would recommend making a general plan for when, and study up on tax-efficient placement of assets. Best wishes.
by Mill
Wed Feb 15, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: 28 Year Old Newbie Seeking Boglehead Wisdom
Replies: 12
Views: 1064

Re: 28 Year Old Newbie Seeking Boglehead Wisdom

TomCat96 wrote:Everything looks fine.

+1
by Mill
Wed Feb 15, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Forced to roll 401K to IRA. PLEASE HELP!!
Replies: 6
Views: 388

Re: Forced to roll 401K to IRA. PLEASE HELP!!

Tell Merril Edge to put it all in Target Retirement 2035. Boom. Done.
by Mill
Wed Feb 15, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: What is it best to do with cash sitting around in a savings account?
Replies: 13
Views: 1612

Re: What is it best to do with cash sitting around in a savings account?

What about tax exempt municipal bonds? You could also buy I bonds and EE bonds. I believe the limit is $10,000 per social security number per year.
by Mill
Wed Feb 15, 2017 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Help Making Sense of My Portfolio
Replies: 3
Views: 263

Re: Help Making Sense of My Portfolio

Congrats on your upcoming retirement! :sharebeer Some thoughts: I think you mean "roll over" not liquidate the Portfolio Advisory Services managed accounts. Definitely start with this to save yourself the 1% management fee. Or actually, just call fidelity and tell them you don't want to pa...
by Mill
Wed Feb 15, 2017 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401k & Portfolio Allocation
Replies: 13
Views: 972

Re: 401k & Portfolio Allocation

a few thoughts... Are there any bonds in there? Target Retirement 2050 TrustPlus isn't really meant to be held with various other mutual funds. Youre paying a hefty price for TRP BLUE CHIP GRTH & FID MID CAP STOCK K. I think youd be just fine with only the VG 500 fund, but worth looking further ...
by Mill
Wed Feb 15, 2017 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ 401K Allocations
Replies: 2
Views: 166

Re: Help w/ 401K Allocations

I would also go with the Vanguard international fund instead of the Europacific fund just because of the expense ratio difference. don't take this as gospel. I saw a Morningstar study that found that a 60% small/mid cap and 40% large cap portfolio produced the highest return for the least amount of ...
by Mill
Wed Feb 15, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Re-Balancing
Replies: 4
Views: 336

Re: First Time Re-Balancing

Based on the information you gave, I don't see a need to rebalance anything...that is until youre about 5% off from your ideals. Id just stay the course for now.

Best wishes.
by Mill
Tue Feb 14, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Early 20s 401k and Roth IRA Investment Help/Allocation
Replies: 1
Views: 163

Re: Early 20s 401k and Roth IRA Investment Help/Allocation

A few thoughts: The target retirement funds are meant to be sort of an all-in-one fund, (already diversified) and not intended to be combined with other investments. This is because they set the asset allocation on their own, slowly becoming more conservative as the investor ages towards his "t...
by Mill
Sat Feb 11, 2017 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Should I count value of homes in my Swensen AA?
Replies: 15
Views: 844

Re: Should I count value of homes in my Swensen AA?

Its a personal decision regarding real estate in your portfolio. My thoughts are that since you own 2 homes (totaling 3mm in assets) your exposure to real estate is already met without needing to hold REITs. Have you considered converting your REIT index to TIPS or total bond fund?
by Mill
Sat Feb 11, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Show me the Money
Replies: 6
Views: 1207

Re: Show me the Money

are tax exempt muni bonds an option?
by Mill
Sat Feb 11, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help and Guidance Leaving Edward Jones
Replies: 10
Views: 1022

Re: Need Help and Guidance Leaving Edward Jones

If youre not happy with the fees EJ is charging you, then youre on the right track to be looking elsewhere. Vanguard as you know is low cost, and theyre very helpful with rolling over your investments from other institutions. Just give them a call, they will draw up a .pdf which you can send to EJ w...
by Mill
Sun Aug 30, 2015 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 16
Views: 1346

Re: Is this 401(k) even worth it?

I appreciate the advice from everyone. I am already maxing out my roth IRA each year. No spouse, debt, kids.

I know 401(k) to the max is generally the next thing to fund, before taxable investing. This one is just bad.
by Mill
Sat Aug 29, 2015 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 16
Views: 1346

Re: Is this 401(k) even worth it?

gvsucavie03 wrote:Is there a match?


No match.
by Mill
Sat Aug 29, 2015 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 16
Views: 1346

Re: Is this 401(k) even worth it?

deleted.
by Mill
Sat Aug 29, 2015 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 16
Views: 1346

Is this 401(k) even worth it?

60 days into my new job and Im eligible to start contributing to the 401(k). :moneybag I have received the enrollment paperwork, and Im disappointed to say the least. :annoyed Some highlights: There is no employer match. Investment options: Strategic income: ER: .80 Target Date 2016-2020: ER: .89 Ta...
by Mill
Sun Aug 23, 2015 9:23 pm
Forum: Investing - Theory, News & General
Topic: How are you being GREEDY when others are fearful?
Replies: 85
Views: 13786

Re: How are you being greedy when others are fearful?

Does staying the course count?
by Mill
Sat Aug 15, 2015 4:01 pm
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 4923

Re: Laptop Recommendation

I can vouch for Lenovo. Ive had my B560 since May of 2011 and its still going strong. I like everything about it except its not a dual core processor, so gaming can be difficult. But it was the least expensive model at Best Buy and I didn't want to spend much so I was sold. I figured if I could get ...
by Mill
Sat Aug 15, 2015 3:55 pm
Forum: Investing - Theory, News & General
Topic: question about I, EE bonds (owners & beneficiaries)
Replies: 3
Views: 401

question about I, EE bonds (owners & beneficiaries)

I cannot find any information on this, Im hoping the board can help out... My Mom has some I & EE bonds payable on death to the beneficiary. The original owner of these bonds (my grandmother) is dead. Can the beneficiary get that bond reissued with the same interest/dates with the beneficiary as...
by Mill
Wed Aug 05, 2015 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Am I wrong? [to assist family members with finances]
Replies: 32
Views: 4679

Re: Am I wrong? [to assist family members with finances]

Are you wrong?

I told him exactly what funds to invest in


I don't know.

How can you possibly know exactly what funds to invest in?

:beer
by Mill
Wed Jul 29, 2015 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Cash EE bond to pay down the mortgage?
Replies: 7
Views: 665

Cash EE bond to pay down the mortgage?

Hello Bogleheads, Consider the couple in the following example. A married couple in their late 20's owns a $10,000 1994 EE bond (acquired through a now deceased relative, who bought the bond as co-owners along with one in the couple.) This particular bond is yielding 4% interest for a current value ...
by Mill
Wed Jun 03, 2015 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 40824

Re: much ado about coasting (through life)

OP here. Fantastic discussions and follow-ups by all. Ive read every post and they are very much appreciated. I really enjoyed reading everyone's experiences and thoughts. Thank you all. Just a quick follow up...Ive recently accepted an office-support job. Low pay, but good benefits. Starting over a...
by Mill
Sun May 10, 2015 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 40824

Re: much ado about coasting (through life)

Is this another of these threads where the OP writes something contentious then disappears, leaving everyone else to argue pointlessly among themselves? Well, OP hasn't returned since he posted. Im here, and Ive carefully read and considered each post. I appreciate everyone taking the time to respo...
by Mill
Fri May 08, 2015 12:26 am
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 40824

much ado about coasting (through life)

A recent thread got me to thinking...what's wrong with coasting through life, specifically "your most productive years" ? This is going to go against a lot of the go-getter, champion attitudes on this forum, and Im only thankful I was able to capitalize on all of that while I had it. I jus...
by Mill
Wed May 06, 2015 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 19837

Re: What job to get to coast to Retirement at age 59 1/2?

I for one am enjoying this post and the previously referred-to one.

Don't worry about it gambler, Im the same mindset, same situation as you, looking for answers as well.

Good luck in your search.
by Mill
Wed Mar 11, 2015 9:31 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus received. But its not what was agreed upon. Advice?
Replies: 61
Views: 6990

Bonus received. But its not what was agreed upon. Advice?

Hi all, Ive been having some troubles at work lately (which a simple search of my username can provide more info, though not relevant to this thread) and I have decided to move on. :sharebeer No matter what though, there will be hard feelings from both my manager and myself. Lets just say its ugly, ...
by Mill
Fri Feb 27, 2015 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 15574

Re: Help! Ive been put on a performance improvement plan!

Well, time to provide an update. I survived. :happy Thank you all very much, your guidance has carried me through the initial meeting and I still have my job. Now the action plan and follow up steps to be carried out while stealthily searching for another opportunity... :twisted: Ill really apprecia...
by Mill
Fri Feb 27, 2015 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: I survived my initial performance improvement mtg. Now what?
Replies: 33
Views: 5879

I survived my initial performance improvement mtg. Now what?

This is a continuation of this thread... https://www.bogleheads.org/forum/viewtopic.php?f=2&t=159408&newpost=2395730 First, thank you to all of the Bogleheads who provided feedback. I don't know if I could have gotten through this and kept my job without you. Im very grateful. In fact, after...
by Mill
Wed Feb 25, 2015 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 15574

Re: Help! Ive been put on a performance improvement plan!

OP here. Fantastic responses, and I appreciate everyones time taken to review and advise. Ive worked all day today to come up with some notes which I will turn into an outline and present to management on Friday. We are a smallish company. Me and my manager and my mangers manager work relatively clo...
by Mill
Wed Feb 25, 2015 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 15574

Re: Help! Ive been put on a performance improvement plan!

I really appreciate everyones responses so far. I think its a fantastic idea to take a walk, clear my mind, and come back and attack this tonight. And Ive already ordered that book. Thank you very much! I see from his previous posts that the OP lives with his parents, so we can stop worrying that he...
by Mill
Wed Feb 25, 2015 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Help! Ive been put on a performance improvement plan!
Replies: 66
Views: 15574

Help! Ive been put on a performance improvement plan!

Hi everyone, I am hoping to get some general, generic advice on how to deal with this. I had a meeting with my manager today and it wasn't good, and its all hitting me pretty hard right now. I take pride in doing a good job, managing difficult situations and the fear of failure is overwhelming me a ...
by Mill
Tue Jan 27, 2015 11:58 pm
Forum: Personal Consumer Issues
Topic: What age did you move out?
Replies: 117
Views: 7554

Re: What age did you move out?

I still live with my parents. Im kind of weird like that, Im a minimalist who doesnt plan on marriage or kids and Id like to hit FI asap. So it feels natural to me, even as a 33 yo man. They own a duplex, got tired of landlording and missed me when I took a job several states away. Theyre nearning 7...
by Mill
Tue Jul 08, 2014 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 144
Views: 18656

Re: List of Worst financial advice (what not to do):

"land. theyre not making any more of it."
by Mill
Sat Jan 18, 2014 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buried in Student Loans
Replies: 22
Views: 5378

Re: Buried in Student Loans

So what does the wife do for work now? Im concerned that she may be unemployed/underemployed. If she can raise up the income you'll be able to attack that debt better. Sadly, I fear this may not be possible. No offense, but Id be a little bit angry at my wife about this whole thing if I were you, bu...
by Mill
Thu Jan 09, 2014 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Dental x- ray [Insurance coverage]
Replies: 49
Views: 3362

Re: Dental x- ray

I second a previous posters advice about relationship with your dentist. If you like him/her, Id just go ahead and pay it. You have to pick your battles. If you fight it, you could end up costing yourself more than $30 in PITA dealings with finding another friendly, convenient, competent dentist. Go...
by Mill
Thu Jan 09, 2014 1:03 am
Forum: Investing - Theory, News & General
Topic: when you reach"your number"
Replies: 84
Views: 10235

Re: when you reach"your number"

Id keep working until I felt my job situation isn't worth it anymore. Kind of vague, but then again its that whole principle behind FIRE.
by Mill
Thu Jan 09, 2014 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Dental x- ray [Insurance coverage]
Replies: 49
Views: 3362

Re: Dental x- ray

Johm221122 wrote:Went to dentist for teeth cleaning and they did x-ray for second time this year Insurance only covers once.I have no dental problems and according to Web MD it should be done every 12 to 18 months.They were aware of insurance limit and made mistake.Should I pay?
John


How much was the charge anyway?
by Mill
Thu Jan 09, 2014 12:42 am
Forum: Personal Consumer Issues
Topic: 401k.fidelity.com sucks
Replies: 13
Views: 2428

Re: 401k.fidelity.com sucks

:twisted: sounds like the greatest trick the devil ever pulled. :twisted:
by Mill
Wed Jan 08, 2014 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: Dental x- ray [Insurance coverage]
Replies: 49
Views: 3362

Re: Dental exray

Coincidentally, I also had a cleaning today. The hygienist did an x-ray, did the cleaning, scraped some hard-build up, and gave me a fluoride treatment. Total cost out-of-pocket was $24. I have reasonable insurance and haven't had a cleaning since 2010. I thought about it while paying, that I didn't...
by Mill
Thu Jan 02, 2014 12:23 am
Forum: Personal Consumer Issues
Topic: What was your most memorable experience in 2013?
Replies: 5
Views: 526

Re: What was your most memorable experience in 2013?

I moved (back home) from a very lucrative job situation to something more challenging, near family and friends. Had to take a significant paycut, but it seems to be the right move. Weather or not it works out, Im sure Ill remember it as life-changing.
by Mill
Thu Jan 02, 2014 12:15 am
Forum: Investing - Help with Personal Investments
Topic: Please review my retirement plan, any advice is welcome
Replies: 11
Views: 1420

Re: Please review my retirement plan, any advice is welcome

Looks good, keep up the good work. Maybe consider beefing up the emergency fund...but then again, maybe not even necessary. Your job seems stable, 7 years to retirement more or less and you seem to have a good plan, afaik. Not an entrepreneur, but it seems like smooth sailing for you, so just make s...
by Mill
Wed Jan 01, 2014 4:56 pm
Forum: Investing - Theory, News & General
Topic: The Bogleheads Investment Philosophy
Replies: 7
Views: 813

Re: The Bogleheads Investment Philosophy

I get a 10 :sharebeer

Best wishes and Happy New Year Taylor.
by Mill
Mon Dec 30, 2013 12:16 am
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel you are being too frugal?
Replies: 65
Views: 5974

Re: Do you ever feel you are being too frugal?

If you have to ask, you probably are.

If your relationships are suffering, you probably are.
by Mill
Sun Dec 29, 2013 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: A monkey could have made money in 2013
Replies: 14
Views: 2963

Re: A monkey could have made money in 2013

Expense ratios would be nice. I think your biggest concern is the size of your emergency fund. You should really beef that up asap. Then when you cash out the options, you can use the proceeds to help you out even further there. Have you used FIREcalc? Im concerned that you might not be not saving e...
by Mill
Sun Dec 29, 2013 9:09 pm
Forum: Personal Consumer Issues
Topic: Frugal suit purchase options--need, but don't want
Replies: 52
Views: 6516

Re: Frugal suit purchase options--need, but don't want

Im like the OP and rarely dress up. I despise it. I was dating a woman who INSISTED that every man should own a suit, so one of our dates was to Kohls to go suit shopping. I found reasonable matches, and with the Kohls card and a couple coupons, I got everything (shirt, pants, sportcoat, belt and ti...
by Mill
Sun Dec 29, 2013 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Opinion needed on housing change. Is this nuts?
Replies: 15
Views: 1450

Re: Opinion needed on housing change. Is this nuts?

I think it sounds cool and I wish you the best of luck. Be sure to update this thread in a couple years to talk about the whole experience.
by Mill
Sun Dec 29, 2013 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on simplifying portfolio
Replies: 4
Views: 476

Re: Need advice on simplifying portfolio

Alright. Ill give it a try... If the goal is to simplify, then I would suggest you call Vanguard, speak with a rep tell them everything you have and ask what they will accept. They will walk you through it and do the work for you. Before you do this, research the 3-fund portfolio and make sure you b...

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