Search found 209 matches

by Mr.BB
Tue Jun 27, 2017 4:49 pm
Forum: Personal Consumer Issues
Topic: Pet insurance
Replies: 10
Views: 605

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: 7173

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: 1698

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: 629

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: 629

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: 629

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: 68
Views: 4145

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: 629

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: 629

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...
by Mr.BB
Wed Jun 21, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Questions for DieHards after reading "The Bogleheads' Guide to Investing"
Replies: 41
Views: 3566

Re: Questions for DieHards after reading "The Bogleheads' Guide to Investing"

I believe the goal of a emergency fund is not about how much you can earn on that money, but having that "liquid" asset available when needed. If you put it even in a moderate risk fund, if there is a large correction (20-30 %), and you need all that money, it will not be available to you.
by Mr.BB
Tue Jun 20, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Financial advisor question
Replies: 49
Views: 3336

Re: Financial advisor question

It is never wrong to expect a detailed expense report; in fact it should be expected. The fact that he is not being perfectly straight forward and clear with you should be a warning sign. He works for you not the other way around.
by Mr.BB
Tue Jun 20, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Does a tax managed fund belong in a roth acct
Replies: 8
Views: 678

Does a tax managed fund belong in a roth acct

We have the Wellesley fund (VWINX) in our 401k brokerage acct and in my wife's Roth IRA. The combine dollar total of both holding is 10% of our total portfolio. I will definitely keep the 401k holding, and will keep contributing to it, but I was look at the Vanguard Tax Managed Balance Fund (VTMFX) ...
by Mr.BB
Sun Jun 18, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Why do we need an emergency fund?
Replies: 70
Views: 4073

Re: Why do we need an emergency fund?

An emergency fund has much more value when one is working versus in retirement collecting a pension and/or social security. Some people will look at having a large money market acct to tap in retirement as a cash bucket, after all you don't want to withdrawal money on your savings if the market is d...
by Mr.BB
Sun Jun 18, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need this small position in Health Care fund
Replies: 3
Views: 616

Re: Do I need this small position in Health Care fund

Holding a small position (less than 5% of your portfolio) in any one fund doesn't make much difference in your returns; simplifying by moving to another stock fund makes sense. Which stock fund? This depends on your overall asset allocation plan, and not just in the SEP if you have other accounts. ...
by Mr.BB
Sat Jun 17, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need this small position in Health Care fund
Replies: 3
Views: 616

Do I need this small position in Health Care fund

I have a small holding in my SEP, Vanguard Health Care Fund VGHCX about $6,000 I used to have a much larger holding in my T. Rowe Price Health care fund, but I sold it last year. I am trying to do a little streamlining to my accts. Instead of keeping this small concentrated position, do you think I ...
by Mr.BB
Fri Jun 09, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: Recession Planning
Replies: 35
Views: 2501

Re: Recession Planning

We decided to pay off our mortgage this year because we feel a recession is coming sooner rather than later and it's nice to have low expenses during recessions. (We were mortgage free for many years before a 2015 move to a higher COL area.) Our budget is already broken into essential and optional ...
by Mr.BB
Fri Jun 09, 2017 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Recession Planning
Replies: 35
Views: 2501

Re: Recession Planning

Have you forgotten that we had a recession less than 10 years ago? It doesn't matter how long ago a recession was. You could have a recession just a few years apart or fifteen years apart. A recession can last as short as a few months or a few years. That was not my point. My point was that of cour...
by Mr.BB
Fri Jun 09, 2017 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Recession Planning
Replies: 35
Views: 2501

Re: Recession Planning

Nate79 wrote:Have you forgotten that we had a recession less than 10 years ago?

It doesn't matter how long ago a recession was. You could have a recession just a few years apart or fifteen years apart. A recession can last as short as a few months or a few years.
by Mr.BB
Thu Jun 08, 2017 7:16 am
Forum: Investing - Help with Personal Investments
Topic: Financially independent and then market crashes?
Replies: 54
Views: 5859

Re: Financially independent and then market crashes?

The 25x amount is all a out how you spend. If you make $100,000 but live on $40,000 , you probably don't need 25X savings. But you do need to make sure you have a large enough emergency fund for the unexpected surprises in life.
by Mr.BB
Mon Jun 05, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: How to find best but the cheapest red wine for better health?
Replies: 14
Views: 907

Re: How to find best but the cheapest red wine for better health?

If you want better health go outside for a run or bike ride. You'll get more benefits from doing that then any glass of wine.
by Mr.BB
Sat Jun 03, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on our Global Bond Fund performance
Replies: 3
Views: 380

Need advice on our Global Bond Fund performance

I would like to get some opinions on this Global Bond fund that is in our 401k. What do you think of this fund and its performance; latest updated info is 5/31/17. It is a Global Bond Trust from BlackRock so I have no symbols for tracking. Though 30% of it is the Vanguard Total Intl Bond Index. The ...
by Mr.BB
Sat Jun 03, 2017 1:12 pm
Forum: Investing - Theory, News & General
Topic: Alternative fund ideas for Large Blend
Replies: 3
Views: 349

Re: Alternative fund ideas for Large Blend

AlohaJoe wrote:You're asking if putting 1% of your portfolio in something else is splitting hairs?

My vote is for yes, splitting hairs.

Thanks Aloha, I guess 1-2% not really isn't worth it, especially since it's basically the same category. Just over thinking it.
Maui No Ka Oi!!
by Mr.BB
Fri Jun 02, 2017 8:22 pm
Forum: Investing - Theory, News & General
Topic: Alternative fund ideas for Large Blend
Replies: 3
Views: 349

Alternative fund ideas for Large Blend

I have Vanguard Dividend Growth Fund (VDIGX). I own it in my SEP account, and it is about 5% of our overall portfolio. Is there any advantage of taking some of the money we have in this fund and putting in another Large Cap Blend fund? Aside from a lower expense ratio am I just splitting hairs or ov...
by Mr.BB
Fri Jun 02, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: Dealing with Impatience reaching financial goals
Replies: 30
Views: 3234

Re: Dealing with Impatience reaching financial goals

A couple of years ago, I starting tracking my yearly retirement contributions and year-end 401k & Roth IRA balances since I started investing (~15 years) on a spreadsheet. I recently graphed my cumulative contributions against year-end account value. It helped to illuminate a couple of things: ...
by Mr.BB
Fri Jun 02, 2017 5:55 pm
Forum: Investing - Theory, News & General
Topic: Dealing with Impatience reaching financial goals
Replies: 30
Views: 3234

Re: Dealing with Impatience reaching financial goals

I think and focus on the end goal. Use a calculator and figure out your end number at your current rate, (if you haven't done it already). You have to think like an investor, not a trader.
by Mr.BB
Fri Jun 02, 2017 7:04 am
Forum: Investing - Help with Personal Investments
Topic: I hit my first $100k today in my 401k!!
Replies: 34
Views: 4221

Re: I hit my first $100k today in my 401k!!

Mrtrex wrote:It took me 8 years with the last two years maxing out. It feels good being the sole source of income for a family of four and a mortgage. :D

+1
by Mr.BB
Thu Jun 01, 2017 6:08 am
Forum: Investing - Theory, News & General
Topic: Does anyone treat taxable as a "someday fund"?
Replies: 86
Views: 5963

Re: Does anyone treat taxable as a "someday fund"?

I have a taxable account set up for Future Home Repairs. I figure within 15 years we will need a new roof, AC unit and furnace, so we've been putting money aside for those future repairs.
by Mr.BB
Wed May 31, 2017 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Predicted 4% return over next decade. What do you do now?
Replies: 71
Views: 6630

Re: Predicted 4% return over next decade. What do you do now?

Somebody posted a graph on another post (wish I could remember which one), that showed Jack Bogle's predictions over the last 20 years or so as compared to the actual market returns. As much as most people here would agree with his investing ideas, his market return predictions were definitely low. ...
by Mr.BB
Tue May 30, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 6117

Re: Pet insurance for new puppy

With a wellness rider and $0 deductible, our bill is $53/mo. We get $200+ back per year for shots, checkups, preventatives, etc, which means the effective cost is more like $35/mo. Explain to me how this is a bad deal. So you spend $420/year for this insurance. That is $4200+ over 10 years. Would y...
by Mr.BB
Mon May 29, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving Edward Jones at 64
Replies: 13
Views: 2081

Re: Leaving Edward Jones at 64

Edward Jones story incoming. Just one anecdote, but still creepy. So my wife was pregnant, and I signed up for a free First-Time Dad class from the hospital. The instructor, bless his soul, was "volunteering" to lend a hand by teaching new dads. He gave a little speech about fatherhood, t...
by Mr.BB
Mon May 29, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 6117

Re: Pet insurance for new puppy

Definitely get dog insurance but not just any insurance, it should be catastrophic insurance. You'll see some insurance companies advertise they pay for partial wellness program, shots, etc.. [...] We have our insurance through Trupanion and when she was a puppy at 10 weeks old I got her the insura...
by Mr.BB
Sat May 27, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: When does Saving become missing out on life?
Replies: 74
Views: 8416

Re: When does Saving become missing out on life?

Saving should be more of a reflex action instead of work. You should not have to feel that you have to think about it all the time, that is when it becomes work instead of a habit. Be careful not to get caught up with trying to save money on everything you do. For instance, you will save much more m...
by Mr.BB
Sat May 27, 2017 7:51 am
Forum: Personal Finance (Not Investing)
Topic: When does Saving become missing out on life?
Replies: 74
Views: 8416

Re: When does Saving become missing out on life?

A diversified portfolio is nothing if not accompanied by a diversified life.
by Mr.BB
Sat May 27, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: When does Saving become missing out on life?
Replies: 74
Views: 8416

Re: When does Saving become missing out on life?

Hikes_With_Dogs wrote:If you were to die tomorrow, would you be happy with what you have done, or haven't done?

There's always a balance. But spending time with family, friends, and doing things you love is never a "waste' of money IMO.

+1
by Mr.BB
Fri May 26, 2017 10:27 am
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 6117

Re: Pet insurance for new puppy

Definitely get dog insurance but not just any insurance, it should be catastrophic insurance. You'll see some insurance companies advertise they pay for partial wellness program, shots, etc..personally if you can't afford to pay for regular check-up for a dog then you probably shouldn't own a dog. C...
by Mr.BB
Fri May 26, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Pet insurance for new puppy
Replies: 77
Views: 6117

Re: Pet insurance for new puppy

I have insurance for both our pups. We are very attached and could not deny them medical care because it had a high cost. Now we never have to make that decision. Insurance of course only pays if you need it. Otherwise you lose out. I am paying for peace of mind. Yes it is a lot. Yes they are worth...
by Mr.BB
Mon May 22, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Feedback for portfolio rebalancing
Replies: 1
Views: 232

Feedback for portfolio rebalancing

I need some feedback to make sure I’m rebalancing correctly. I have 6% of our total portfolio in a 2025 fund Trust Select Fund. Expense ratio is 0.05% (This is in our 401k plan) It’s breakdown is as follows Vanguard Total Stock Mkt Idx Instl Pls 38.67% Vanguard Total Intl Stock Idx InstlPls 25.99% V...
by Mr.BB
Sun May 21, 2017 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Fund
Replies: 33
Views: 3850

Re: Investing Emergency Fund

If emergency money is in a Roth acct, you would have to pay a penalty to withdrawal that money if it has not been in there 5 years and you are not 59.5 This is only true of the earnings on your funds. You can withdraw your principal at any time for any reason for free. https://www.irs.gov/publicati...
by Mr.BB
Sun May 21, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Fund
Replies: 33
Views: 3850

Re: Investing Emergency Fund

If emergency money is in a Roth acct, you would have to pay a penalty to withdrawal that money if it has not been in there 5 years and you are not 59.5 You can get out of any fund at anytime (unless it is a hedge fund and some other specialized funds that may minimize your ability to withdrawal), if...
by Mr.BB
Sun May 21, 2017 2:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Average age of a Boglehead
Replies: 18
Views: 1443

Average age of a Boglehead

Just curious, what the average age (decade) most people on this board are. Not to pin anybody down, lets just stick to decades.
1) 20-29
2) 30-39
3) 40-49
4) 50 -59
5) 60-69
6) 70-79
7) 80-89
8) 90+

I'll start.....I am 50-59
by Mr.BB
Sun May 21, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones vs Vanguard self managed
Replies: 29
Views: 2086

Re: Edward Jones vs Vanguard self managed

...He also told me about the "new fiduciary rules" that take effect on June 9th will cause me to not to be able to move around my fund balances within Vanguard if I were to do all the work with Vanguard myself. :shock: :shock: :shock: This goes beyond trying to convince clients that EJ is...
by Mr.BB
Sun May 21, 2017 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Emergency Fund
Replies: 33
Views: 3850

Re: Investing Emergency Fund

The whole point of an emergency fund is that it really is not an investment vehicle. Your primary concern for the money should be availability of the funds/ how quickly you can get your hands on the money as well as safety of the money(loss of principal). If you feel you have plenty in your Emergenc...
by Mr.BB
Sun May 21, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones vs Vanguard self managed
Replies: 29
Views: 2086

Re: Edward Jones vs Vanguard self managed

I just got off the phone with my Edward Jones guy who told me the 1.44 % fee I am being charged is worth it because my account is continuously being re-balanced and that the return thus far for the year is 5.39 %. So according to him he is providing me with a well worth it service. The important th...
by Mr.BB
Sun May 21, 2017 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Do you keep extra money available for investing
Replies: 37
Views: 3399

Do you keep extra money available for investing

Does anyone keep available cash (checking/roth - money market)/ (Not emergency fund money) in case any fund you want suddenly goes on sale after a market correction or pullback? Or are you 100% in at all times?
by Mr.BB
Sat May 20, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Need help deciding between 401k Intl fund or 401k brokerage Intl Fund
Replies: 4
Views: 339

Need help deciding between 401k Intl fund or 401k brokerage Intl Fund

I need help deciding whether to use the 401k plan International Index fund from BlackRock in my wife's 401k plan or the Vanguard International Index Fund; both are Foreign Large Blend funds. My wife’s 401k plan made dramatic changes last year, enough that I felt I needed to open a separate brokerage...
by Mr.BB
Fri May 19, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: Why save so much for when you're old?
Replies: 163
Views: 18672

Re: Why save so much for when you're old?

One final note. I would guarantee you if you polled all the people on this board 98% of them would tell you if they could go back and do one thing in their life to help with their retirement future savings most of them would say they wish they had started saving earlier. I'm happily one of the 2%. ...
by Mr.BB
Fri May 19, 2017 5:45 am
Forum: Personal Consumer Issues
Topic: Death in family a week before cruise
Replies: 30
Views: 3559

Re: Death in family a week before cruise

shelanman wrote:Something to consider -- many credit cards include some sort of travel insurance.

If you paid for any part of the trip on a credit card, have a look at the terms for that card, because you might be covered.

+1
by Mr.BB
Thu May 18, 2017 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: have you accepted a lower cost lifestyle to retire early?
Replies: 71
Views: 9123

Re: have you accepted a lower cost lifestyle to retire early?

You should try to live on your budget for 6 months to a year first. Obviously right now you be paying rent in your other bills and you're working, but try to live on $50,000 a year with everything else. Food , entertainment and estimated part of your rent and utilities and so forth see how that work...
by Mr.BB
Thu May 18, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Managing My Elderly Moms Portfolio
Replies: 13
Views: 1958

Re: Managing My Elderly Moms Portfolio

If you're sure she's going to exhaust her finances, why not just buy an SPIA (single premium immediate annuity)? If you put $700,000 into buying an annuity, at her age, it'd pay out a bit more than the $80,000 for as long as she lives. The amount the annuity pays out is not adjusted for inflation s...

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