Search found 250 matches

by Mr.BB
Sun Aug 20, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 10653

Re: I own no international stocks. Can you guess why?

Because you feel your U.S. equity positions have a large enough overseas influence that you don't need to specifically own any foreign holdings?
by Mr.BB
Fri Aug 18, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: How do you know how much your portfolio lost/gain in one day?
Replies: 31
Views: 1397

Re: How do you know how much your portfolio lost/gain in one day?

I use Morningstar x-ray and if I choose to look at it I can tell exactly how much each fund gain or loss and well as the total amount .I can also see changes to the percent of stock/ bonds / cash allocation percent.
by Mr.BB
Tue Aug 08, 2017 1:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Celebrating 30 years with Vanguard!
Replies: 25
Views: 2014

Re: Celebrating 30 years with Vanguard!

DaleMaley wrote:I discovered Vanguard index funds back in 1990, when I did an MBA finance research term paper. I switched all my mutual funds to Vanguard in 1990 after I did the paper..........so been with Vanguard 27 years :D
+1
by Mr.BB
Mon Aug 07, 2017 3:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Celebrating 30 years with Vanguard!
Replies: 25
Views: 2014

Re: Celebrating 30 years with Vanguard!

Congratulations! It would be nice if you received a letter from Vanguard recognizing that milestone.
by Mr.BB
Thu Aug 03, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Retire early, live abroad until 65 and come back
Replies: 72
Views: 7966

Re: Retire early, live abroad until 65 and come back

If you want some really good Insights on living abroad in different countries one of my favorite sites is
http://www.bestplacesintheworldtoretire.com
You can get a lot of your answers questions about various countries from people who actually live there.
by Mr.BB
Wed Aug 02, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Burned out at 28. Do I have enough?
Replies: 62
Views: 9601

Re: Burned out at 28. Do I have enough?

To help you answer your question on reduction of salary versus quality of life, do an estimate of your weekly or monthly income at $50,000 (AKA your new job). Try living on the new income with your current expenses and savings (or future adjustments) try it for a few months, see how you feel about i...
by Mr.BB
Sun Jul 30, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Advice about Financial Planner
Replies: 8
Views: 894

Re: Advice about Financial Planner

He didn't even mention looking into the tax implications based on your current holdings and future withdrawls, or how/when you should take Social Security. Run don't walk away from this guy.
by Mr.BB
Sun Jul 30, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: What you wish you had known entering your late 20's
Replies: 130
Views: 30279

Re: What you wish you had known entering your late 20's

I totally blew most of the money I earned in high school my junior and senior years. Arcade games / eating out...etc.
I wish that I was taught about the effects of long term savings, compounding interest, and expense ratios (of course back then there was hardly any index funds).
by Mr.BB
Tue Jul 25, 2017 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 59
Views: 6935

Re: Two-Fund Portfolio Role Call

Two funder here. I use the Vanguard Institutional Index Fund (which is the Vanguard 500 Index for Institutions) and the Blackrock U.S. Debt Index Fund (which is the equivalent to Vanguard's Total Bond Market Index). I just changed my asset allocation from 65/35 to 60/40. I have a small IRA which is...
by Mr.BB
Tue Jul 25, 2017 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 59
Views: 6935

Re: Two-Fund Portfolio Role Call

Two funder here. I use the Vanguard Institutional Index Fund (which is the Vanguard 500 Index for Institutions) and the Blackrock U.S. Debt Index Fund (which is the equivalent to Vanguard's Total Bond Market Index). I just changed my asset allocation from 65/35 to 60/40. I have a small IRA which is...
by Mr.BB
Tue Jul 25, 2017 7:21 am
Forum: Investing - Theory, News & General
Topic: Murphy's Law Of Retirement
Replies: 56
Views: 8844

Re: Murphy's Law Of Retirement

Any retirement budget should also include a $2,000 - $4,000 (depending on your income) yearly buffer for those "what if's" in life.
by Mr.BB
Sun Jul 23, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: car rental at OGG, any opinions?
Replies: 30
Views: 1644

Re: car rental at OGG, any opinions?

Relatively minor, but time and frustration-saving tip for renting a car at OGG provided to me years ago by my brother-in-law: If you're traveling with others and have checked baggage, have one person go pick up the rental car while the other person or people wait for the luggage. Then pick them (an...
by Mr.BB
Sat Jul 22, 2017 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2431

Re: Fidelity Full View usefulness?

I prefer Morningstar X-ray portfolio.
by Mr.BB
Fri Jul 21, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: car rental at OGG, any opinions?
Replies: 30
Views: 1644

Re: car rental at OGG, any opinions?

We go to OGG a lot. We usually rent with Alamo and have never had a problem. Just make sure you set up your rental ahead of time, I have seen people get off the plane thinking they could just get a car (big mistake during the busy season). As a side note, I always do a walk around on the car and do ...
by Mr.BB
Thu Jul 20, 2017 7:16 am
Forum: Personal Consumer Issues
Topic: Indoor activities for a 3-year-old
Replies: 61
Views: 3003

Re: Indoor activities for a 3-year-old

Tinkertoys and Lincoln logs! I've seen research in the past that shows kids that use actual hands on building and creating, their brains evolved much better as they get older cognitive and analytical. It is one of the biggest downfalls this and past generations. The use of electronics, not to mentio...
by Mr.BB
Wed Jul 19, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading Boglehead's Guide to Investing
Replies: 18
Views: 1161

Re: Just finished reading Boglehead's Guide to Investing

It's more painful when you're only a few years away from retirement. Whether you lose $4,000 or $400,000 if you're 25 years old you know you got 40 years to recover. But when you're only a few years away or if you had just retired like many people did in 2007, that is where the stress comes in.
by Mr.BB
Mon Jul 17, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Invest the rest of the year in a tax account or save toward 2018 Roth
Replies: 9
Views: 628

Re: Invest the rest of the year in a tax account or save toward 2018 Roth

Why not both? Put it into taxable, and January 1 take $5500/$6500 out for the roth. Worst case you take a little capital gains hit, or harvest the loss. If you have a loss, maybe take it out before Dec 31 so it goes on your 2017 taxes. +1 to this But, if you have already maxed out your Roth this ye...
by Mr.BB
Mon Jul 17, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Invest the rest of the year in a tax account or save toward 2018 Roth
Replies: 9
Views: 628

Re: Invest the rest of the year in a tax account or save toward 2018 Roth

Why not both? Put it into taxable, and January 1 take $5500/$6500 out for the roth. Worst case you take a little capital gains hit, or harvest the loss. If you have a loss, maybe take it out before Dec 31 so it goes on your 2017 taxes. Not a bad idea, but that seems like a lot of extra work (dealin...
by Mr.BB
Mon Jul 17, 2017 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: Invest the rest of the year in a tax account or save toward 2018 Roth
Replies: 9
Views: 628

Invest the rest of the year in a tax account or save toward 2018 Roth

We have had a good year. We have met most of our financial savings for the year except for my wife's 401k which will be accomplish by the end of the year. Our Roth's are maxed for the year, normally I try to get around $4,000 each into our separate Roth accounts aside from our other savings. My ques...
by Mr.BB
Mon Jul 17, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Can my wife and I afford to retire in one year with our portfolio, pension, social security
Replies: 41
Views: 3861

Re: Can my wife and I afford to retire in one year with our portfolio, pension, social security

A great way to tell if you are ready to live on basically $60,000 a year is to take this next year and live on $60,000. It is the perfect way to tell if that type of budget will work for you, and the extra benefit of being able to use the extra saved income for investments or padding your emergency ...
by Mr.BB
Fri Jul 14, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap source for basic will
Replies: 34
Views: 2275

Re: Cheap source for basic will

Somethings are worth the money, your children's future is one of them.
by Mr.BB
Fri Jul 14, 2017 7:52 am
Forum: Investing - Help with Personal Investments
Topic: What advice to give 21 year old?
Replies: 105
Views: 6081

Re: What advice to give 21 year old?

Based upon his age and future earning potential, I think he should be 100% in equities with his current savings (as he can ride out any reasonable downturn) - at least for the portion of his savings that he does not need for shorter term cash needs. +1. and make sure he has started an emergency fund.
by Mr.BB
Tue Jul 11, 2017 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: Which investment account and brokerage should I choose?
Replies: 21
Views: 1193

Re: Which investment account and brokerage should I choose?

1st lesson...talk to an insurance person and they will recommend insurance products. Unless you are married, you do not need like insurance at this point, and to put 30% of your long term equity into a product that over the next 30-40 years will return very little (fixed income), makes no sense at a...
by Mr.BB
Sat Jul 08, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 54
Views: 4117

Re: What to wear for job interview - skip the tie?

Grandpa's words of wisdom: Always dress for the job interview two levels higher than the one you're applying for. A friend in high school took this advice and went to a big box hardware store for a seasonal interview. He was literally pulled out of a line, given an interview, hired on the spot, and...
by Mr.BB
Sat Jul 08, 2017 7:22 pm
Forum: Personal Consumer Issues
Topic: What to wear for job interview - skip the tie?
Replies: 54
Views: 4117

Re: What to wear for job interview - skip the tie?

ALWAYS dress to impress!
by Mr.BB
Sat Jul 08, 2017 12:44 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11335

Re: What do you splurge on?

Flying first class, I went to the Dominican earlier this year and upgraded to first class on the way down there. First time I ever flew first class. It was nothing short of amazing but I had never seen a plane like this. It wasn't just bigger seats, everyone had their own "pod"... you cou...
by Mr.BB
Sat Jul 08, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: How are you a leader in personal finance?
Replies: 29
Views: 3264

Re: How are you a leader in personal finance?

1) We live below our means 2) I have tracked our expenses for the last 4 out of 5 years 3) Whenever we get some extra money we always put some of it toward our savings 4) We have zero debt (this includes no mortgage) 5) We put some money aside for long term expenses (cars, future large expenses like...
by Mr.BB
Fri Jul 07, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11335

Re: What do you splurge on?

Flying first class, I went to the Dominican earlier this year and upgraded to first class on the way down there. First time I ever flew first class. It was nothing short of amazing but I had never seen a plane like this. It wasn't just bigger seats, everyone had their own "pod"... you cou...
by Mr.BB
Fri Jul 07, 2017 5:40 am
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 133
Views: 11335

Re: What do you splurge on?

Travel and higher quality groceries
by Mr.BB
Mon Jul 03, 2017 9:46 am
Forum: Personal Finance (Not Investing)
Topic: First six months savings review
Replies: 8
Views: 992

Re: First six months savings review

If it's mine I will really get depressed. Well, not necessarily. I think savings % is very personal and depends on a variety of factors and in this case we have no idea how the OP got to that savings rate, what he considers 'savings' and what his expenses are. To make this actionable, maybe the OP ...
by Mr.BB
Mon Jul 03, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: First six months savings review
Replies: 8
Views: 992

Re: First six months savings review

The key is that we have no credit card debt or mortgage payment and we live below our means. However, the money we usually paid toward our mortgage we decided to keep paying ourselves and 70% of that money goes to savings; we decided to make our lives a little easier and the other 30% goes to paying...
by Mr.BB
Sun Jul 02, 2017 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: First six months savings review
Replies: 8
Views: 992

Re: First six months savings review

signewton wrote:Time to celebrate... drinks on you :sharebeer :sharebeer

+1
by Mr.BB
Sun Jul 02, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: First six months savings review
Replies: 8
Views: 992

First six months savings review

I usually don't discuss our finances with most people, (except for this board). But I had to tell someone my happy news!
I just finished doing a 6 month review of our savings and spending this year. So far YTD we have able to save 43.5% of our money!
by Mr.BB
Sun Jul 02, 2017 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard recommended Retirement allocation too simple?
Replies: 70
Views: 6544

Re: Vanguard recommended Retirement allocation too simple?

Your allocation is like a watch. You see the band, the watch frame, the watch face and the clasp. That's all you need to see for a watch to do what it is suppose to do for you. But, if you open the watch face (you will see many moving parts, that is the holding of your various funds), very complex b...
by Mr.BB
Sat Jul 01, 2017 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund money and asset allocation
Replies: 14
Views: 896

Re: Emergency fund money and asset allocation

I am having trouble trying to figure out if my emergency money belongs in my asset allocation style boxes. Right now I like having a 70% stock / 30% bond allocation. When I use the Morningstar portfolio X-Ray Portfolio and I just add in only our retirement accounts, I get a 70/30 holding. (54% U.S....
by Mr.BB
Sat Jul 01, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund money and asset allocation
Replies: 14
Views: 896

Re: Emergency fund money and asset allocation

In your case, I don't think it matters much because your portfolio seems to be large enough to absorb the emergency fund without completely wrecking your stock to bond ratio. Just pick a method you like and call it good. Not sure I see a need for that 4% you are holding in cash though. Actually tha...
by Mr.BB
Sat Jul 01, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency fund money and asset allocation
Replies: 14
Views: 896

Re: Emergency fund money and asset allocation

I am having trouble trying to figure out if my emergency money belongs in my asset allocation style boxes. Right now I like having a 70% stock / 30% bond allocation. When I use the Morningstar portfolio X-Ray Portfolio and I just add in only our retirement accounts, I get a 70/30 holding. (54% U.S....
by Mr.BB
Sat Jul 01, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Should I stick with this financial advisor for wife's business?
Replies: 8
Views: 433

Re: Should I stick with this financial advisor for wife's business?

Why aren't there any index funds offered? (Answer: He wouldn't make much money off of them) Why aren't there funds from any companies that are well-known? (Answer: He wouldn't make much money off of them) What does he do for individual participants? Are participants allowed to chose their own funds...
by Mr.BB
Sat Jul 01, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Emergency fund money and asset allocation
Replies: 14
Views: 896

Emergency fund money and asset allocation

I am having trouble trying to figure out if my emergency money belongs in my asset allocation style boxes. Right now I like having a 70% stock / 30% bond allocation. When I use the Morningstar portfolio X-Ray Portfolio and I just add in only our retirement accounts, I get a 70/30 holding. (54% U.S./...
by Mr.BB
Sat Jul 01, 2017 7:57 am
Forum: Investing - Theory, News & General
Topic: Time in the market is more important, But seriously ?
Replies: 60
Views: 7561

Re: Time in the market is more important, But seriously ?

At the end of 2013 after we had about a 28% return in the stock market. Everybody said that was the peak, look where we are now. You don't know when the market will come down 20-30% or up 20-30% On March 9th 2009 did you say it's so bad right now this must be the bottom? Because it actually was the ...
by Mr.BB
Sat Jul 01, 2017 7:52 am
Forum: Investing - Theory, News & General
Topic: Time in the market is more important, But seriously ?
Replies: 60
Views: 7561

Re: Time in the market is more important, But seriously ?

Kosmo wrote:How do you know it's a peak? What if that 5-10% drop doesn't come for another 5 years?

When it comes to predicting the future, nobody knows nothin.

+1
by Mr.BB
Tue Jun 27, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Pet insurance
Replies: 10
Views: 786

Re: Pet insurance

We use Trupanion insurance for our dog.
by Mr.BB
Mon Jun 26, 2017 5:28 am
Forum: Personal Finance (Not Investing)
Topic: Where to find a financially like-minded significant other?
Replies: 140
Views: 8760

Re: Where to find a financially like-minded significant other?

I have found that many people marry a spouse that is opposite of them (opposites attract). However like any good relationship you have to give and take. My wife likes to spend , I like save. However she is a very good/smart shopper, and when I see our budget being stretched for the month, I let her ...
by Mr.BB
Sat Jun 24, 2017 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for relative with mostly cash and 7-10 years to retirement?
Replies: 25
Views: 2002

Re: Advice for relative with mostly cash and 7-10 years to retirement?

You also need to find out about their expenses... it's half of the equation.
by Mr.BB
Fri Jun 23, 2017 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Dividend fund choice
Replies: 11
Views: 779

Re: Dividend fund choice

Thanks everyone! I appreciate everyone's feedback.
by Mr.BB
Fri Jun 23, 2017 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Dividend fund choice
Replies: 11
Views: 779

Re: Dividend fund choice

VYM is classified by V. as large value; VIG as large blend. The quality factor that is used for VIG is raising the dividend for ten consecutive years, a fairly tough screen, but nothing as tough as the S&P Dividend Aristocrats (SDY and NOBL). The VIG is the old Mergent indices that were acquire...
by Mr.BB
Fri Jun 23, 2017 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Dividend fund choice
Replies: 11
Views: 779

Re: Dividend fund choice

BolderBoy wrote:OP - since total return is the important number, what do you hope to gain by focusing on dividend-paying specific equities (by way of a mutual fund)?

A dividend stream.
by Mr.BB
Fri Jun 23, 2017 6:35 am
Forum: Personal Consumer Issues
Topic: Bogleheads: Please help me pick a new car
Replies: 81
Views: 7031

Re: Bogleheads: Please help me pick a new car

My wife used to have the Subaru Outback 3.6....that car was a bullet! Always felt very safe in it and it had a good engine. On one road trip I wasn't paying attention I was doing 90 miles per hour and never even realized it, thought I was only doing 70. Unfortunately when it was time to get a new on...
by Mr.BB
Fri Jun 23, 2017 6:22 am
Forum: Investing - Help with Personal Investments
Topic: Dividend fund choice
Replies: 11
Views: 779

Re: Dividend fund choice

AlohaJoe wrote:You're going to put 2% of your portfolio into something and think it will make any difference?

What are the circumstances where you see that happening?

I'm not talking about just the percent number, Im talking about dividend diversication.
by Mr.BB
Fri Jun 23, 2017 5:34 am
Forum: Investing - Help with Personal Investments
Topic: Dividend fund choice
Replies: 11
Views: 779

Dividend fund choice

I have about an 4% of our portfolio in Vanguard High Dividend Yield fund (vhdyx). I would like some feedback about taking about a some of that holding and diversifying it into the Vanguard Dividend Appreciation Index Fund (VDAIX). I know the appreciation index focuses more on the ability of a compan...