Search found 701 matches

by RyeWhiskey
Mon Jul 25, 2016 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund
Replies: 6
Views: 1042

Re: Total Stock Market Fund

Yes it would, affordable too. :beer
by RyeWhiskey
Fri Jul 22, 2016 6:42 pm
Forum: Personal Consumer Issues
Topic: Owning vs. renting Content
Replies: 11
Views: 1261

Re: Owning vs. renting Content

For me (and McLuhan), the medium is the message. Thus, I value the medium of physical books and records over the medium of digital PDFs and MP3s--so, for these items I'd rather 'own' them. A dvd, on the other hand, is already digitized; hence I value it less than a streaming service like Netflix and...
by RyeWhiskey
Fri Jul 22, 2016 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?
Replies: 32
Views: 2926

Re: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?

I lump sum in January for simplicity's sake: to get it out of the way and not worry about it throughout the year. I then automate weekly contributions to my taxable account such that, if I need to cut contributions, I can do so from taxable while maintaining my tax shelters. :beer
by RyeWhiskey
Fri Jul 22, 2016 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: USA vs. International Stock Index PERFORMANCE. Please reassure Me!
Replies: 25
Views: 2004

Re: USA vs. International Stock Index PERFORMANCE. Please reassure Me!

Vanguard confuses me a bit with their international recommendation. For example, when I check my "portfolio analysis" I get the following message concerning my equity holdings: "Vanguard research has shown that while holding some portion of a diversified equity portfolio in internati...
by RyeWhiskey
Fri Jul 22, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Bordeaux wines
Replies: 17
Views: 1191

Re: Bordeaux wines

I drink primarily American wines and stick to those I've enjoyed, usually in the $10-20 bottle range, maybe 90s for ratings. I've paid more for those I've especially enjoyed. Today I received an offer in the mail from a wine club, offering 6 bottles of red Bordeaux wines @ $9/bottle, shipping inclu...
by RyeWhiskey
Fri Jul 22, 2016 5:43 pm
Forum: Investing - Theory, News & General
Topic: Is buy low, sell high the same as market timing?
Replies: 29
Views: 1845

Re: Is buy low, sell high the same as market timing?

Market timing is making investment decisions (buy/sell/hold) based on non-personal factors. Personal factors are simple and obvious; so much so that there are only really four (as far as I can tell): one's need to take risk, one's ability to take risk, one's time frame, and the cost of one's investm...
by RyeWhiskey
Wed Jul 20, 2016 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: New Portfolio Asisstance
Replies: 3
Views: 256

Re: New Portfolio Asisstance

Taxable VG Total Stock Market Admiral - 60% Roth VG Total Bond Market Admiral - 20% TSP L2050 - 20% If 60/20/20 are the percentages I would go: Taxable at Vanguard -- 60% 60% ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.05%) Thrift Savings Plan -- 20% 20% ( N/A ) G Fund (0.029...
by RyeWhiskey
Wed Jul 20, 2016 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 55
Views: 5684

Re: Charles Schwab Checking + Brokerage Account

I'm not sure if you can transfer funds from a credit union (or bank) checking account into a brokerage account... Yes, you can. I have transferred funds from my Schwab brokerage account directly to my credit union checking account. The brokerage account and the checking account are connected to the...
by RyeWhiskey
Wed Jul 20, 2016 4:56 pm
Forum: Investing - Theory, News & General
Topic: Are you feeling uncomfortable? [with your investments]
Replies: 42
Views: 4135

Re: Are you feeling uncomfortable?

I am quite comfortable. This sense of comfort comes from am immensely simplified and organized financial life, much thanks to this forum. I thought that was the goal of the whole thing... :beer
by RyeWhiskey
Wed Jul 20, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Put ALL work 401k in S&P index 0.62% expense, or 0.90% to 1.30% expense funds?
Replies: 19
Views: 997

Re: Put ALL work 401k in S&P index 0.62% expense, or 0.90% to 1.30% expense funds?

Thanks for posting your 401k options. I'd definitely go all-in on the S&P there, those other funds are far too expensive. :beer
by RyeWhiskey
Wed Jul 20, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Put ALL work 401k in S&P index 0.62% expense, or 0.90% to 1.30% expense funds?
Replies: 19
Views: 997

Re: Put ALL work 401k in S&P index 0.62% expense, or 0.90% to 1.30% expense funds?

At first glance, yes, your plan is good. However it'd be very helpful to have the full list of funds available with corresponding tickers and ERs. You may also wish to find the Asking Portfolio Questions sticky so as to post with all the relevant information to get the best responses possible. :beer
by RyeWhiskey
Wed Jul 20, 2016 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: help me with bonds
Replies: 34
Views: 2544

Re: help me with bonds

article and efficient frontier graph both show that bonds reduce returns that is what holds me back Ok, but you stated in OP that you "have assets." This statement implies that you don't need the returns as much as someone who is accumulating. So the problem you are having sounds like a p...
by RyeWhiskey
Mon Jul 18, 2016 4:28 pm
Forum: Personal Consumer Issues
Topic: beehive near deck
Replies: 20
Views: 1214

Re: beehive near deck

Look up your local beekeeper association and call them. They'll probably send someone out to look at it and, if it's a hornet/wasp nest (which it looks like), they'll know whether or not to leave it be or who to call to handle the situation. :beer
by RyeWhiskey
Mon Jul 18, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 55
Views: 5684

Re: Charles Schwab Checking + Brokerage Account

I'm not sure if you can transfer funds from a credit union (or bank) checking account into a brokerage account... Yes, you can. I have transferred funds from my Schwab brokerage account directly to my credit union checking account. The brokerage account and the checking account are connected to the...
by RyeWhiskey
Mon Jul 18, 2016 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 55
Views: 5684

Re: Charles Schwab Checking + Brokerage Account

Keep in mind that you can simply open up a Schwab One brokerage account and enable the cash management features. These features include a debit card, free checks, and bill pay. Thank you for pointing this out. It seems to me that the differences between a "checking" account and a "br...
by RyeWhiskey
Mon Jul 18, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Bond Fund as deflation hedge?
Replies: 25
Views: 1147

Re: Treasury Bond Fund as deflation hedge?

So, I am looking at what else that I can do to hedge short term deflation. KlangFool The best hedge against deflation is long-term treasuries. These are also excellent hedges against equity price swings due to flight to quality in crises. This said, you are taking on heavy interest-rate risk and de...
by RyeWhiskey
Mon Jul 18, 2016 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Investing extra cash?
Replies: 19
Views: 1620

Re: Investing extra cash?

With the additional information you just added, in my opinion the better investing priority may be: 1) contribute enough to his 401k to get the full employer match; 2) pay off that $7.5k student debt at 14% interest; 3) fund IRAs for each of you, $5.5k/yr each, at a low cost provider like Vanguard;...
by RyeWhiskey
Mon Jul 18, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Bucket 2 Holdings
Replies: 6
Views: 535

Re: Bucket 2 Holdings

Assuming that bucket 1 is for immediate cash needs, EF included, then bucket two would be for mid-term needs. With this time frame in mind, you could either fill it with the bond portion of your allocation, or you could do something like 20/80 stock/bond in bucket 2 and 70/30 stock/bond in bucket 3....
by RyeWhiskey
Fri Jul 15, 2016 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: I created dependency, now what?
Replies: 50
Views: 5357

Re: I created dependency, now what?

I think it's simpler than you think. If you cannot afford to, or do not wish to, keep funding them, then simply write and state the facts. What you have done so far is very generous. What you ought not do, as I don't think you are entitled to, is to ask them to change/alter their behavior in order t...
by RyeWhiskey
Fri Jul 15, 2016 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on VTIBX for a new investor [Vanguard Total Int'l Bond]
Replies: 8
Views: 767

Re: Advice on VTIBX for a new investor [Vanguard Total Int'l Bond]

I guess my thinking is this: if I have $50k to invest, and can contribute another $500/month to it for the next 5 years, if I put it into a 1% savings account I end up with around $82k at the end of 5 years. Given the cost of homes where I currently live that would probably just cover the required ...
by RyeWhiskey
Fri Jul 15, 2016 6:54 pm
Forum: Investing - Theory, News & General
Topic: "Pokemon Go" -- should buying Nintendo have been obvious?
Replies: 88
Views: 4532

Re: "Pokemon Go" -- should buying Nintendo have been obvious?

Also, it seems way too early to call Nintendo stock a success as a result of one week of trading. Let's necro this thread in 5 years and see where the stock is and what unfolded with Pokemon Go. :beer
by RyeWhiskey
Fri Jul 15, 2016 6:47 pm
Forum: Investing - Theory, News & General
Topic: 5-year CD rate
Replies: 9
Views: 1326

Re: 5-year CD rate

I was just wondering to myself if most 5 year cds are going to drop to below 2% around 1.75 range. For an long term investor is i-bonds a safer bet now? I have been debating i-bonds vs 5 year cds for last few months, I have tried to read as much as i can about 5 year cds vs ibonds, but in the end i...
by RyeWhiskey
Wed Jul 13, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Is my fund selection logical for my goals?
Replies: 8
Views: 536

Re: Is my fund selection logical for my goals?

My understanding is that allocations of around 5% tend to have minimal impact on the portfolio as a whole. So, in my opinion, it's added complexity without clear reward. If you want a significant value/factor tilt, I'd go with a "Larry Portfolio": http://www.etf.com/sections/index-investor...
by RyeWhiskey
Wed Jul 13, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Running windows 7. Do I need McCafee?
Replies: 15
Views: 865

Re: Running windows 7. Do I need McCafee?

coachz wrote:I run Microsoft Security Essentials for free and Malwarebytes manually every couple weeks. No problems.


:sharebeer this is my setup as well.
by RyeWhiskey
Mon Jul 11, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?
Replies: 25
Views: 1366

Re: Investing 12 months 'Emergency Fund' in Target Retirement 2010 ?

Instead of keeping a 3-6 months emergency fund in cash/savings account, is this reasonable: Keep 12 months in Target Retirement 2010 (https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0681). Even if the market crashes and loses 50%, I'd still be left with 6 months. It should...
by RyeWhiskey
Thu Jul 07, 2016 6:31 pm
Forum: Investing - Theory, News & General
Topic: Monetary policy is (barely) carrying the world
Replies: 29
Views: 1585

Re: Monetary policy is (barely) carrying the world

Monetary policy , on the other hand, has to do with the size and rate of change of the money supply. It's the purview of central banks. So when Vanguard says monetary policy "is reaching its limits" do they mean central banks can no longer change the money supply? Ron No, I think this ref...
by RyeWhiskey
Thu Jul 07, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Questions about booking private party at restaurant
Replies: 28
Views: 1739

Re: Questions about booking private party at restaurant

I am planning a private party for about 20 people at a downtown NYC restaurant in a private space. Price per guest is $60 food PLUS $40-60 alcohol (depending on package) PLUS 32% added on (20% tip, 3% "event charge", rest is tax). I will be hiring a musician separately. Never having done ...
by RyeWhiskey
Thu Jul 07, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 7778

Re: Hiking questions

Thanks all for the replies. A lot of useful information here. Forgot to mention the hikes I'm referring to are anywhere from 4-6 hours for starters. I'm 24 and former military so had some experience with backpacking. And to clearify further I'm in great shape not overweight so the extra ankle suppo...
by RyeWhiskey
Wed Jul 06, 2016 5:55 pm
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 5602

Re: Costco Tires - Anyone ever frustrated?

Make an appointment. Anytime you walk into Costco tires without one you will wait hours; just my experience. :beer
by RyeWhiskey
Thu Jun 30, 2016 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: At what point do you stop... [chasing rates]
Replies: 32
Views: 3546

Re: At what point do you stop...

I used to chase rewards, both in checking and credit cards, but found it to add more complexity than it was worth. :beer
by RyeWhiskey
Thu Jun 30, 2016 5:37 pm
Forum: Personal Consumer Issues
Topic: Tipping Etiquette Question.
Replies: 37
Views: 3375

Re: Tipping Ettiquet Question.

Tipping at a bar is a real annoyance to me because I tend to drink cheap beer and I refuse to tip 25% or 50% for someone to open up a bottle or a can of beer. I'll try to order 2 beers and tip $1 on both. I guess I'm cheap and a jerk :| On the contrary. At many bars (excluding high-end ones), a dol...
by RyeWhiskey
Thu Jun 30, 2016 5:33 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on mid-cap value?
Replies: 2
Views: 251

Re: Thoughts on mid-cap value?

Search the forum for Mel's Unloved Mid-caps. I don't tilt at all, keeping a global allocation, but if I did I'd tilt to mids. :beer
by RyeWhiskey
Thu Jun 30, 2016 4:07 pm
Forum: Personal Consumer Issues
Topic: Tipping Etiquette Question.
Replies: 37
Views: 3375

Re: Tipping Ettiquet Question.

My Wife and I go to a bar located inside a nice restaurant. I order a cocktail and my DW asks the bartender about wines. She's hesitant about house wines so the bartender suggested a certain wine that she has never had. She didn't like the wine. The bartender replaced it with a glass that she's fam...
by RyeWhiskey
Tue Jun 28, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Betting on the next industrial revolution?
Replies: 7
Views: 813

Re: Betting on the next industrial revolution?

I have been considering to invest a significant portion of my portfolio in Vanguard Information Technology ETF (VGT) 30% Vanguard Health Care ETF (VHT) 30% Vanguard Energy ETF (VDE) 30% Vanguard Materials ETF (VAW) 10% My reasoning is that the next industrial revolution can only come from these thr...
by RyeWhiskey
Fri Jun 24, 2016 6:01 pm
Forum: Investing - Theory, News & General
Topic: Emergency Fund Ideas
Replies: 24
Views: 1661

Re: Emergency Fund Ideas

They then went on to say that one should invest 130% of what is required for a 6 month emergency fund. So if I needed $50k I would invest $65k instead to ensure that if the market tanks up to 23% I still have my emergency fund--albeit at a loss of 23%. In addition as your emergency fund grows (assu...
by RyeWhiskey
Fri Jun 24, 2016 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing...would appreciate your help
Replies: 11
Views: 648

Re: New to Investing...would appreciate your help

1. What is your evaluation of my employer's options? It seems skimpy to me. Looks quite decent to me; I've seen far worse. You at least have low cost indexes... what more do you want? :wink: 2. I am fairly risk tolerant. Do you agree with the funds and distribution? Should I be considering an activ...
by RyeWhiskey
Fri Jun 24, 2016 5:32 pm
Forum: Investing - Theory, News & General
Topic: I have International stock
Replies: 6
Views: 866

Re: I have International stock

Thanks for making me feel better. I will hold pat and like one poster said I still have my share and if I wait it out I my recover. If it makes you feel better, 50% of my stock holdings are international. I haven't broke a sweat worrying over the current market situation and am very pleased my fund...
by RyeWhiskey
Fri Jun 24, 2016 11:55 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Total International] ETF currently down 7.09% - Time to sell?
Replies: 39
Views: 4061

Re: Vang TIn'tSMI ETF currently down 7.09%

Yeah, Total World was down about 4% when I last checked. These movements are really minor in the grand scheme of things, I'll start paying attention when we get another 10% dip. :beer
by RyeWhiskey
Thu Jun 23, 2016 5:55 pm
Forum: Investing - Theory, News & General
Topic: An Alternative to Being Long the S&P 500
Replies: 18
Views: 2325

Re: An Alternative to Being Long the S&P 500

The Larry portfolio and the Permanent Portfolio are both great portfolios if you know why you have them as opposed to say, a simple 3-fund. Each of these 'alternative' portfolios are constructed for very particular reasons, not simply because they backtest well. You would need to know these reasons ...
by RyeWhiskey
Thu Jun 23, 2016 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Tot Bond vs LT Corp vs Wellesley vs CD
Replies: 21
Views: 1869

Re: Bonds - Tot Bond vs LT Corp vs Wellesley vs CD

jjface wrote:If you want downside protection perhaps looking at an intermediate treasury fund like VGIT/VSIGX. Or CDs.


+1. For CD info see Kevin's great post above. :beer
by RyeWhiskey
Thu Jun 23, 2016 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Pacific ETF investment or not
Replies: 12
Views: 550

Re: Pacific ETF investment or not

There has been a lot of debate about whether a diversified portfolio should include EM or not, but what about Pacific ETF investment, such as VPL? https://personal.vanguard.com/us/funds/snapshot?FundIntExt=INT&FundId=0962 Any strong views or Yes or No? Thanks That fund is 60% Japan. So if you p...
by RyeWhiskey
Thu Jun 23, 2016 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Recommendations?
Replies: 22
Views: 2033

Re: Credit Card Recommendations?

I'm shopping for a simple credit card with a high cash back reward and no annual fee. I pay my credit card in full every month so no balance carry over. My average credit card charges are about $600 per month including gas.. I see the CITI Double Cash back pays 2% cash back, but it looks like I wou...
by RyeWhiskey
Wed Jun 22, 2016 5:03 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2343

Re: An actual book on LastPass?

I'm the op. After downloading LP to my macbook pro and creating an account where do I find the app? Should I look for an icon somewhere or do I have to go to the LP website to login. Thanks, cody Lastpass lives in your browser, not on your computer. So you open your browser and add the lastpass ext...
by RyeWhiskey
Wed Jun 22, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 4647

Re: best wristwatch for the price

Also, if I wanted to spend more than what I did on my Citizen Eco-Drive I would have bought a Techne watch:
http://technewatches.biz/

The Merlin (less than $300) is clean and sophisticated while the Harrier (less than $500) is more pilot style. :sharebeer
by RyeWhiskey
Wed Jun 22, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Good Liquid Bond Fund?
Replies: 9
Views: 591

Re: Good Liquid Bond Fund?

Accounts Emergency Savings: $5,000 Checking: $9,000 Roth IRA: $6,300 IRA: $17,000 Taxable Account: $0 I'd like to move about $5,000 out of the checking account so it makes more than .00000001% interest. I would contribute to this new fund every paycheck and withdraw these funds in 2-3 years (maybe ...
by RyeWhiskey
Wed Jun 22, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 4647

Re: best wristwatch for the price

I have a Citizen Eco-Drive on my wrist. Cost under $200. Doesn't need a battery. It's legible, has a date window, and, of course, looks great! I put a leather strap on it as I didn't care for the canvas one.

http://www.citizenwatch.com/en-us/watch ... BM8180-03E
by RyeWhiskey
Wed Jun 22, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Advice sought: close friend and back taxes
Replies: 16
Views: 1166

Re: Advice sought: close friend and back taxes

Wow, so many replies so quickly. Additional info as per requested: She is self-employed and has been for these five years. She has not filed returns for these five years. My plan at the moment is this: Contact a CPA to see the cost of filing the past five years + transcipts. Contact VITA to see how ...
by RyeWhiskey
Tue Jun 21, 2016 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Advice sought: close friend and back taxes
Replies: 16
Views: 1166

Advice sought: close friend and back taxes

Howdy folks, I just learned today that a close friend of mine has not paid taxes in about five years. She does not make much money, I don't believe she's ever cleared 25k in a year, but nonetheless I believe it is wisest to tackle this issue before it gets worse. I know that the penalties and intere...
by RyeWhiskey
Mon Jun 20, 2016 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Buckets or 3 Buckets in Retirement??
Replies: 72
Views: 8143

Re: 2 Buckets or 3 Buckets in Retirement??

Yes, I know this thread is a few month old. But lately, I have been looking more closely at "bucket approaches." I have determined that the standard Boglehead portfolio is a form of a bucket portfolio. The basic (Evensky) bucket portfolio is simply a cash bucket and a "total return p...
by RyeWhiskey
Mon Jun 20, 2016 4:24 pm
Forum: Investing - Theory, News & General
Topic: Malkeil on Preferred Stocks - what's the Bogleheads take?
Replies: 33
Views: 2385

Re: Malkiel's WSJ piece today - Use preferred stocks instead of bonds

Preferred stock is not a suitable substitute for bonds. Here's the wiki article: https://www.bogleheads.org/wiki/Preferred_stock For the reasons above, investment in preference stock is usually not recommended. The risk-return tradeoffs are unfavourable for individual investors and those seeking cor...

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