Search found 843 matches

by RyeWhiskey
Fri Dec 09, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab brick-and-mortar store
Replies: 11
Views: 661

Re: Schwab brick-and-mortar store

Schwab is great, though I still use Vanguard for my retirement assets. Of note re: Schwab is that while they function very well as an online bank, they do not (at least the last time I tried) accept cash deposits. Not a deal breaker but of note for some. :beer
by RyeWhiskey
Fri Dec 09, 2016 2:54 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 59
Views: 2220

Re: Where do you buy coffee beans?

Costco SF Bay Organic. 3 lbs for under $20. Flavor is good and consistent and the price for organic can't be beat.
by RyeWhiskey
Fri Dec 09, 2016 2:52 pm
Forum: Investing - Theory, News & General
Topic: VT expense ratio dropped?
Replies: 7
Views: 777

Re: VT expense ratio dropped?

This is my only equity holding and since I have switched over to 100% Total World the ER has already dropped once. This is welcome news and I expect it to continue to drop as an economy of scale is achieved. I can't think of a better fund for the next 30-50 years. :beer
by RyeWhiskey
Thu Dec 01, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Cash vs Investments in HSA
Replies: 11
Views: 750

Re: Cash vs Investments in HSA

I treat my HSA as part of my overall retirement investment allocation, invest it accordingly, and pay out of pocket for health care expenses. If I need cash before I'm 65, I'll reimburse myself out of the account to the extent I have expenses. My emergency fund is outside the HSA. This +1. :sharebeer
by RyeWhiskey
Thu Dec 01, 2016 4:57 pm
Forum: Investing - Theory, News & General
Topic: Global bonds suffer worst monthly meltdown, cause for concern?
Replies: 46
Views: 6019

Re: Global bonds suffer worst monthly meltdown, cause for concern?

On a flip side, wouldn't it be a great opportunity to get in, if you need to increase your fixed income allocation? Or am I missing something? That sounds like market timing, a cardinal sin for bogleheads. With that mentality, it's always possible to buy in thinking the market is low, and have it d...
by RyeWhiskey
Fri Nov 04, 2016 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Why do people use banks?
Replies: 66
Views: 5488

Re: Why do people use banks?

Benton Bair wrote:I favor the not for profit business model like Vanguard, credit unions and mutual insurance companies.


+1 :sharebeer
by RyeWhiskey
Thu Nov 03, 2016 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: 27/m. Wanting to Quit My Job. Any Words of Wisdom?
Replies: 55
Views: 5996

Re: 27/m. Wanting to Quit My Job. Any Words of Wisdom?

Prioritize your health and well-being. Eat well; drink lots of water; exercise regularly; see a therapist. And yes, quit your job if it's killing you. But before you do, look at competitors in your field, call them and see what they may offer you. Any in the area near your parents? Make a plan to ge...
by RyeWhiskey
Wed Nov 02, 2016 1:12 pm
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 78
Views: 6281

Re: How much international?

The future is uncertain and past performance does not necessitate future success. Thus, the logical approach is a total world market allocation via Vanguard Total World Stock Index VTWSX/VT. It's currently about 50/50 domestic/international with about 7% emerging markets. :beer
by RyeWhiskey
Wed Nov 02, 2016 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: 21 Year Old with Little Savings
Replies: 16
Views: 1636

Re: 21 Year Old with Little Savings

I am a 21 year old looking for investment advice. Right now I have $6,000 saved up (just working part-time), and I am a senior in college. I don't really have any goals for the future in terms of money, aside from making myself as financially stable as possible. As of right now I hold one fund thro...
by RyeWhiskey
Wed Nov 02, 2016 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Commission Free ETFs and different Brokers
Replies: 21
Views: 1028

Re: Commission Free ETFs and different Brokers

Thanks for the reply. My balance is very small about 2,600 dollars right now, I just opened my Roth a few months ago basically. A couple things: - You can automatically invest in mutual funds, but not ETFs. If you are looking to set up auto investments and forget it, Vanguard is probably the best p...
by RyeWhiskey
Wed Nov 02, 2016 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Opened a Roth this year, lost money-- what can I do tax-wise?
Replies: 10
Views: 1282

Re: Opened a Roth this year, lost money-- what can I do tax-wise?

Wow. All that for $175? You could churn credit card bonuses with less hassle and more reward...

Also, how were you able to open and fund a Roth when you already funded a trad IRA?
by RyeWhiskey
Wed Nov 02, 2016 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard still the best place for my account?
Replies: 32
Views: 3574

Re: Is Vanguard still the best place for my account?

I use Vanguard when possible due to my trust in their organizational structure and history. This said, Schwab has fine ETF offerings, Fidelity offers low cost index funds as well, and plenty of brokerages offer Vanguard funds, some at no commission (TD Ameritrade, for example). Keep things simple! :...
by RyeWhiskey
Thu Oct 20, 2016 3:32 pm
Forum: Personal Consumer Issues
Topic: Calling all foodies and winos: T'giving "tasting menu" help
Replies: 21
Views: 1429

Re: Calling all foodies and winos: T'giving "tasting menu" help

1. To mix it up a bit, we were going to pair the first dish (spiced sweet potato lentil soup) with a hard cider instead of wine. Will this work? Would a slightly sweeter/heavier cider be better for this, rather than bone dry? It's difficult to say without knowing the spices in the soup, but I'd opt...
by RyeWhiskey
Thu Oct 20, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Stocks or ETF
Replies: 13
Views: 963

Re: Individual Stocks or ETF

Hello all, I am a fairly new investor and making my first post on the forum. I have been a avid reader/follower of bogleheads and cannot get enough! 28 years old, Married Mortgage- 4%, No other debts IRA- Maxed out (3 fund portfolio) Wife 403-B- Maxed to employer contribution Emergency fund- 6 Mont...
by RyeWhiskey
Tue Oct 18, 2016 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with TD Ameritrade
Replies: 15
Views: 878

Re: Investing with TD Ameritrade

My HSA is with TD Ameritrade, while my taxable account and Roth are with Vanguard directly. TDA is fine. You must be sure to "activate" the no-commission ETF list before you buy the ETFs or you will be charged. There are ample low-cost options for a 3-fund portfolio there, including Vangau...
by RyeWhiskey
Tue Oct 18, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: How do you analyze your spending? (Where is my money going?)
Replies: 69
Views: 5731

Re: How do you analyze your spending? (Where is my money going?)

I don't have a family so I may have a simpler financial setup than most, but I analyze my spending in an easy manner: One checking account for joint expenses, and at the end of the month I go back and tally up the (non-fixed expense) totals for the month into four basic categories: groceries, gas, r...
by RyeWhiskey
Tue Oct 18, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: Why Not Holding LONG-Term BOND Funds For Long Time During Work Years?
Replies: 31
Views: 2712

Re: Why Not Holding LONG-Term BOND Funds For Long Time During Work Years?

The real question at hand is why you are holding the bonds in the first place . My take would be: If you're holding for safety, then the shorter the duration the less the interest rate risk. You would hold treasuries over corporates to reduce credit risk, and you would avoid junk funds to reduce def...
by RyeWhiskey
Thu Oct 13, 2016 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock Index Fund Review
Replies: 44
Views: 6907

Re: Vanguard Total World Stock Index Fund Review

I'm pleased to see more threads about the Total World Index. I just posted about it in a different thread, so I'll just copy and paste it here: I hold (and advocate holding) Vanguard Total World Index as a sole equity holding for the following reasons: 1) Simplicity. One fund is simpler than two. O...
by RyeWhiskey
Wed Oct 12, 2016 11:37 am
Forum: Investing - Theory, News & General
Topic: The Case for Consumer Staples in Your Portfolio
Replies: 13
Views: 1022

Re: The Case for Consumer Staples in Your Portfolio

Vanguard Total World Stock Index is 10% consumer defensive and 11.5% consumer cyclical. I'm good with those numbers. :beer
by RyeWhiskey
Tue Oct 11, 2016 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total World Stock Index Fund Review
Replies: 44
Views: 6907

Re: Vanguard Total World Stock Index Fund Review

I'm pleased to see more threads about the Total World Index. I just posted about it in a different thread, so I'll just copy and paste it here: I hold (and advocate holding) Vanguard Total World Index as a sole equity holding for the following reasons: 1) Simplicity. One fund is simpler than two. On...
by RyeWhiskey
Tue Oct 11, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Trying to Quit Smoking, Buying a Vape
Replies: 21
Views: 1832

Re: Trying to Quit Smoking, Buying a Vape

Physiologically speaking, it takes about a week for your body to overcome its addiction to nicotine. Everything beyond this time frame is psychological/behavioral. Vaping does not help either addiction; on the contrary, it maintains the nicotine addiction and supports the behavioral habits, albeit c...
by RyeWhiskey
Tue Oct 11, 2016 12:17 pm
Forum: Investing - Theory, News & General
Topic: Active vs Passive
Replies: 30
Views: 2640

Re: Active vs Passive

I noticed nobody is investing in VOO on this forum? Its the Vanguard SP500 fund. Is it a bad fund that everyone stays away from it? The expense ratio is low. It's 0.05%. Just curious, how do you know that nobody on this forum invests in VOO? I don't know. I just read the quotes on the bottom of eve...
by RyeWhiskey
Tue Oct 11, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Got myself into some trouble.. [Use emergency fund for credit card debt?]
Replies: 48
Views: 6469

Re: Got myself into some trouble..

Did it. Just paid it off, $7,800. Left with 5K in the bank. Long road ahead. Good for you; that was the right decision. I second an earlier member that you cut up your credit cards and begin budgeting with more diligence. Credit card debt is the worst kind of debt (barring mob related stuff I imagi...
by RyeWhiskey
Tue Oct 11, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Stubbornly Ultra conservative, Non-Boglehead Husband. What to do?
Replies: 50
Views: 6195

Re: Stubbornly Ultra conservative, Non-Boglehead Husband. What to do?

OP, a couple things from a bigger picture perspective: 1) You and your husband are fine financially. From everything you've posted in this thread, it's clear that you aren't wanting for income or savings. This is a good thing, and something that should be the first thing you tell yourself when these...
by RyeWhiskey
Tue Oct 11, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Got myself into some trouble.. [Use emergency fund for credit card debt?]
Replies: 48
Views: 6469

Re: Got myself into some trouble..

Did it. Just paid it off, $7,800. Left with 5K in the bank. Long road ahead. Good for you; that was the right decision. I second an earlier member that you cut up your credit cards and begin budgeting with more diligence. Credit card debt is the worst kind of debt (barring mob related stuff I imagi...
by RyeWhiskey
Fri Oct 07, 2016 6:18 pm
Forum: Investing - Theory, News & General
Topic: Depression investments corrected
Replies: 23
Views: 2198

Re: Depression investments

It seems there is a lot of advice about how to invest to prepare for the possibility of inflation. What advice do you have for preparing for the possibility of depression? The two are not opposites. We can have depression (a long term downturn in economic activity) and still have inflation. The ris...
by RyeWhiskey
Fri Oct 07, 2016 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Got myself into some trouble.. [Use emergency fund for credit card debt?]
Replies: 48
Views: 6469

Re: Got myself into some trouble..

Did it. Just paid it off, $7,800. Left with 5K in the bank. Long road ahead. Good for you; that was the right decision. I second an earlier member that you cut up your credit cards and begin budgeting with more diligence. Credit card debt is the worst kind of debt (barring mob related stuff I imagi...
by RyeWhiskey
Fri Oct 07, 2016 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard Total World Stock More Expensive Than Total US and Total International?
Replies: 14
Views: 2349

Re: Why is Vanguard Total World Stock More Expensive Than Toal US and Total International?

I hold (and advocate holding) Vanguard Total World Index as a sole equity holding for the following reasons: 1) Simplicity. One fund is simpler than two. One fund requires no relabancing, no wondering about tilting, no nonsense. 2) Cost. Sure it's more expensive to own VTWSX/VT now, but the expensiv...
by RyeWhiskey
Fri Oct 07, 2016 3:25 pm
Forum: Investing - Theory, News & General
Topic: BlackRock Cuts Prices on ETFs
Replies: 62
Views: 5192

Re: BlackRock Cuts Prices on ETFs

^ Well stated. I'll leave my post for reference should others make the same mistake. :beer
by RyeWhiskey
Fri Oct 07, 2016 2:14 pm
Forum: Investing - Theory, News & General
Topic: BlackRock Cuts Prices on ETFs
Replies: 62
Views: 5192

Re: BlackRock Cuts Prices on ETFs

2 things: 1. In the link (https://www.ishares.com/us/lp/ishares-vs-vanguard-fees) Blackrock (purposefully) mistakes Vanguard's Total Bond ETF (BND) as "investment grade bonds" and then compares it to the iShares offering to show that Vanguard's is more expensive. Yet if the comparison was ...
by RyeWhiskey
Fri Oct 07, 2016 2:06 pm
Forum: Investing - Theory, News & General
Topic: Depression investments corrected
Replies: 23
Views: 2198

Re: Depression investments

It seems there is a lot of advice about how to invest to prepare for the possibility of inflation. What advice do you have for preparing for the possibility of depression? By depression do you mean deflation? I ask as you framed the question as though depression was the inverse of inflation, which ...
by RyeWhiskey
Thu Oct 06, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 5420

Re: Johnnie Walker Blue worth the cost?

Johnnie Walker Blue? No thanks. That gift says 'status' more than 'delicious.' Go to your local liquor store and talk to the folks there. Explain your situation, go for something less than $100, preferably local as it will have a better story; on this note, any smaller distilleries in your area? If ...
by RyeWhiskey
Tue Oct 04, 2016 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 8764

Re: If i want to invest in gold (metal), what is the best way?

I dont want to buy shares from a specific miner. I am not sure if i want to buy a mutual fund, like FSAGX. I was looking into this SPDR Gold Trust (ETF)(NYSEARCA:GLD) What is this ETF gold trust? Do they hold stocks from miners? Or just pure gold? Good rule of thumb: if you don't understand the inv...
by RyeWhiskey
Tue Oct 04, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: Credit cards that have annual fee's, do you have any?
Replies: 55
Views: 3958

Re: Credit cards that have annual fee's, do you have any?

Nope. 8 cards total (5 regular, 3 store), no annual fees. :beer
by RyeWhiskey
Fri Sep 30, 2016 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Pimco Income Fund - What am I missing?
Replies: 9
Views: 1174

Re: Pimco Income Fund - What am I missing?

Looking at the fund on Morningstar, I cannot understand what it is actually investing in. So, for me at least, that's a huge red flag. Chasing yield in this low rate environment is not a game I want to play and this fund, with it's 4% SEC yield, looks like a dangerous bet. But who knows? :beer
by RyeWhiskey
Fri Sep 30, 2016 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Good funds for Emergency Fund?
Replies: 21
Views: 2199

Re: Good funds for Emergency Fund?

One's emergency fund is not the place to be reaching for yield. The EF is for emergencies and should be held in a low-risk, highly liquid account. It is up to you to decide what "low-risk" means for your personal situation. You can get 1% on online savings account, 1%+ with I-Bonds or EE b...
by RyeWhiskey
Fri Sep 30, 2016 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner's guide to not getting con'd by Chase
Replies: 84
Views: 9482

Re: Beginner's guide to not getting con'd by Chase

Sounds like OP needs an Investment Policy Statement and, when that is finished, will probably realize that chasing a couple hundred bucks in credit card rewards is not worth the hassle of the whole ordeal with Chase. I wonder what the cost of investing at Chase is compared to Vanguard/Schwab/Fidelit...
by RyeWhiskey
Thu Sep 29, 2016 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: FBIOX is killing me. [Fidelity Select Biotechnology]
Replies: 48
Views: 2619

Re: FBIOX is killing me.

Wait, so you bought FBIOX because of past performance and now want to sell because of a loss? Sounds like you should cut your losses and get out of every active investment you can; buying high and selling low is the opposite of what you're trying to do... :beer
by RyeWhiskey
Wed Sep 28, 2016 5:11 pm
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 77
Views: 5037

Re: Has anyone been tempted to buy AMZN?

Buying AMZN now would be the literal definition of buying high (will you sell low?). I would absolutely pass. :sharebeer
by RyeWhiskey
Fri Sep 16, 2016 4:35 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Appearance - You're Invited
Replies: 13
Views: 1910

Re: Jack Bogle Appearance - You're Invited

I just checked and can confirm that tickets are available. :beer
by RyeWhiskey
Fri Sep 16, 2016 12:14 pm
Forum: Investing - Theory, News & General
Topic: Is Warren Buffett the ultimate free rider?
Replies: 23
Views: 4050

Re: Is Warren Buffett the ultimate free rider?

Two things come to mind immediately: 1) The "indexing is worse than Marxism" stuff simply shows a terrible--and rather depressing--lack of understanding of political theory, let alone economic reality. 2) Buffet is a Boglehead at core, in terms of his philosophy for everyday folk. He holds...
by RyeWhiskey
Thu Sep 15, 2016 6:56 pm
Forum: Investing - Theory, News & General
Topic: The role of Gold as portfolio insurance
Replies: 52
Views: 4593

Re: The role of Gold as portfolio insurance

I'll agree with people who say that owning a little gold as a hedge against Armageddon may be a good idea. Personally, I rather own guns and ammo for that contingency. But that's my preference. Rick Ferri Even without Armageddon happening, how about the diversification benefits? You've said you sho...
by RyeWhiskey
Thu Sep 15, 2016 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Potential upgrade to portfolio
Replies: 2
Views: 287

Re: Potential upgrade to portfolio

You are aware that the Target Retirement fund has international stocks within it yet you stated you want 0% international? Also, you state that your desired asset allocation is "N/A" but you clearly have some allocation in mind owning the bond fund and a target fund that has bonds in it. D...
by RyeWhiskey
Thu Sep 15, 2016 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Bonds dropping (SCHZ)
Replies: 12
Views: 1227

Re: Schwab Bonds dropping (SCHZ)

I am new to investing and opened an account in July of this year with Schwab. I had a lump sum to invest and bought all in to a 3 fund portfolio. I didn't DCA, but looking back I probably should have. Seems I bought SCHZ (invested $65k) at the high point and it's steadily dropped, 1k so far, not so...
by RyeWhiskey
Thu Sep 15, 2016 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: 24 year old new dividend portfolio
Replies: 151
Views: 8159

Re: 24 year old new dividend portfolio

Well, it's Thursday and the market is up 1% since the posting of this thread. So... there you have it. :beer
by RyeWhiskey
Thu Sep 15, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: the upcoming bond bubble
Replies: 16
Views: 2114

Re: the upcoming bond bubble

I know that the general sentiment on this board is that there is no bond bubble and nothing to worry about in that sector, but let's pretend for a second that there actually was one. What do you suppose this would do to the rest of the market? Would the shock rout stocks as well? In essence, the fu...
by RyeWhiskey
Thu Sep 15, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: I invested $10,500 in a private US company [pressured to sell back shares]
Replies: 19
Views: 2522

Re: I invested $10,500 in a private US company [pressured to sell back shares]

$10,500 is 3.5% of around $300,000, which is not much for an "oil exploration company." My bet is this is all going to fall to pieces, if it hasn't already (and you just don't know about it). I would bail at the first chance I get and if he wants to get you out now, I'd take it. I'd also a...
by RyeWhiskey
Thu Sep 15, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Will you delete the Stocks App from your iPhone?
Replies: 31
Views: 2685

Re: Will you delete the Stocks App from your iPhone?

Absolutely. I will delete this and all the other bloatware apps that come with ios. No need for checking the market, really... I already own it all. :beer
by RyeWhiskey
Thu Sep 15, 2016 11:46 am
Forum: Investing - Help with Personal Investments
Topic: My Allocation Model: Should I Lean International?
Replies: 8
Views: 750

Re: My Allocation Model: Should I Lean International?

Why not go 80% Vanguard Total World Index VTWSX/VT and 20% BRKB? This way you're at market weight to start with 80% of your equities. Then, as time passes you can see how you feel and if you want to split it up to tilt towards domestic or international (because that's what deviated from market weigh...
by RyeWhiskey
Wed Sep 14, 2016 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: What details about personal finance do you share with your kids?
Replies: 20
Views: 1663

Re: What details about personal finance do you share with your kids?

I don't see any drawbacks to telling your 9 year-old about the paid off mortgage... what drawbacks could there be? He's 9. Keeping net worth numbers a secret can be beneficial to kids learning their own way; I know my parents did this with me. But knowing about owning a home is very different--there...

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