Search found 613 matches

by RyeWhiskey
Thu May 26, 2016 12:52 am
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 30
Views: 1736

Re: Roll call Warren Buffet 90/10 portfolio

I'm in, for the most part. 30 yrs old, 100% Total World Stock Index spread between taxable, Roth, and HSA. I also have a large emergency fund which, if counted towards the overall allocation, will make about 10%. As I find myself thinking about home purchases, etc, I will increase this cash buffer w...
by RyeWhiskey
Tue May 24, 2016 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Living without a checking account
Replies: 42
Views: 2656

Re: Living without a checking account

I've found this to be the simplest setup: 1. Checking/Savings at local credit union: Use for cash in/cash out transactions, paper checks (I ask them to print about 10 temp checks whenever I run low; free). I use a "rewards checking account" that gives me 3% on 10k in checking, 1.5% on 10k ...
by RyeWhiskey
Fri May 20, 2016 5:50 pm
Forum: Investing - Theory, News & General
Topic: Burton Malkiel: "I think [commodities] should be in every portfolio."
Replies: 35
Views: 2665

Re: Burton Malkiel: "I think [commodities] should be in every portfolio."

Morningstar says that Vanguard Total World Stock Index is 5.75% basic materials and 6.5% energy. So that's about 12% of my equity portfolio that's already in commodity producers. I fail to see how this is not "in" my portfolio. :beer
by RyeWhiskey
Fri May 20, 2016 5:43 pm
Forum: Investing - Theory, News & General
Topic: Best way to buy VT for 1 year old Nephew?
Replies: 11
Views: 1040

Re: Best way to buy VT for 1 year old Nephew?

if you're only buying a few shares, the tax issue won't be a big deal for the parents. the first $1k of dividends and cap gains distributions are not taxable. the next $1100 are taxable at the childs rate, and only after $2100 does the dreaded kiddie tax arrive, when tax is paid at the parents marg...
by RyeWhiskey
Thu May 19, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: My Own Investment Post (Following Bogle Template)
Replies: 10
Views: 879

Re: My Own Investment Post (Following Bogle Template)

I would though, like to have, say 50k saved up in a taxable account just to have in case I ever decided to buy a car (not likely) or to you know, go on a big trip somewhere. I have NO PLANS to do either, but I don't want to put 70% of my income in to retirement, never use it in retirement, and real...
by RyeWhiskey
Thu May 19, 2016 12:56 pm
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 60
Views: 4296

Re: Best credit card deal

For everyday cards I'd go for the CapitalOne Quicksilver, Citi Doublecash, or Fidelity 2%. Personally, I use the first as my backup card. That said, in my opinion the absolute best cash back card will arrive in a month or less and it offers 4% back on gas, 3% back on restaurants, and 2% back on Cost...
by RyeWhiskey
Wed May 18, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: Bogle's Common Sense 5 fund portfolio
Replies: 13
Views: 2471

Re: Bogle's Common Sense 5 fund portfolio

I am reading John Bogle's "Common Sense On Mutual Funds" and I love it. In it, he presents "A Simple Five-Fund Portfolio" for the investor seeking active equity management. Large-cap - 50% Mid-cap - 10% Small-cap - 20% Specialty (i.e. Healthcare) - 10% International - 10% Total ...
by RyeWhiskey
Tue May 17, 2016 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Best beginner options
Replies: 24
Views: 1689

Re: Best beginner options

FWIW, I'm 30 and waited tables for the past eight years so I can relate to your situation. Speaking of this situation, it seems simple, now that we have all the information: 1) Sell the new car. Take the money and follow the plan below. 2) Pay off the credit card debt from highest IR to low. 3) Cont...
by RyeWhiskey
Tue May 17, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: Potential uses for myRA
Replies: 24
Views: 1511

Re: Potential uses for myRA

Also good point. Going back to my earlier post on point (C). I may not be a representative case but with a 401a, 403, 457 and HSA, I have more tax-advantaged space than I know what to do with so there is no tradeoff with respect to putting EF into a roth IRA such as myRA. That's a good problem to h...
by RyeWhiskey
Mon May 16, 2016 8:42 pm
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 62
Views: 4739

Re: For those of you in the Accumulation Phase - How often do you check?

I checked my accounts daily the first few years after I set them up. During this period I also added more accounts, changed allocation more often, and generally pursued smaller 'play money' speculations. This turned out to be a waste of time. Now I check my accounts quarterly, with the sole purpose ...
by RyeWhiskey
Mon May 16, 2016 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Some days still not sure I made the right choice
Replies: 49
Views: 7730

Re: Some days still not sure I made the right choice

I retired from my 35 year career in February and I'm not sure some days if I did the right thing. Lol I'm 59 [...] and I'm still not sure I made the right decision. [...] I did find a part time job to stay in shape and to be around people. I miss people so for me it has been a great deal for me eve...
by RyeWhiskey
Mon May 16, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: IF YOU TILT small cap, DO YOU PAIR SP500 or TSM with it?
Replies: 43
Views: 2591

Re: IF YOU TILT small cap, DO YOU PAIR SP500 or TSM with it?

It depends on your tilt. Either fund will work well so long as you know, in advance, the purpose of the tilt and the degree being employed. A simple way would be to pair the SP500 with the Extended Market Index, then increase the latter until you reach your desired cap spread. A more common way woul...
by RyeWhiskey
Mon May 16, 2016 8:25 pm
Forum: Investing - Theory, News & General
Topic: Potential uses for myRA
Replies: 24
Views: 1511

Re: Potential uses for myRA

myRA has been discussed before on the forums. As I recall the major problem which makes myRA a bad idea is that you automatically are switched to a private-sector Roth IRA when you hit $15k. That means you can only compound your IRA dollars for a limited period of time before getting switched over,...
by RyeWhiskey
Mon May 16, 2016 4:48 pm
Forum: Investing - Theory, News & General
Topic: Potential uses for myRA
Replies: 24
Views: 1511

Potential uses for myRA

It seems as though the myRA (https://myra.gov/) isn't a popular choice among many here, and for reasons that I think are fair. Yet, I'm left wondering how it could be of use and I think I have found a good option. For young and low income folks who have heavy equity allocations, the tax deferral ben...
by RyeWhiskey
Sat Apr 23, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 36
Views: 3590

Re: Charles Schwab Checking + Brokerage Account

I have had a Schwab Checking+Brokerage account for over five years. I use it as my national/international bank as I bank with a local credit union for my immediate needs and use Vanguard for investments. I have never had an issue with their service or anything, with the sole exception--that was ment...
by RyeWhiskey
Mon Apr 11, 2016 1:53 pm
Forum: Investing - Theory, News & General
Topic: Part of E-Fund in Low Risk Bonds?
Replies: 15
Views: 1171

Re: Part of E-Fund in Low Risk Bonds?

If you are not already contributing to a Roth and can do so, you should; only open a brokerage after you have maximized your tax shelters, and then, use low cost tax-efficient funds in line with your overall allocation needs. Regarding the Roth withdrawal, it's usually calculated in terms of percen...
by RyeWhiskey
Mon Apr 11, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: How to waive the account maintenance fee in HSA bank
Replies: 8
Views: 508

Re: How to waive the account maintenance fee in HSA bank

There are two fees $3 and $2.5. Neither are not waved if you have less than 5k at HSA bank. OK. if I maintain 5k in my HSA bank account, and move the remaining 3k to linked TdAmeritrade account, then I should be waived for maintenance fee, right? is there any similar fee to the TdAmeritrade account...
by RyeWhiskey
Mon Apr 11, 2016 1:37 pm
Forum: Investing - Theory, News & General
Topic: Part of E-Fund in Low Risk Bonds?
Replies: 15
Views: 1171

Re: Part of E-Fund in Low Risk Bonds?

Thanks for the responses everyone! I-Bonds seem a little more long-term >1 yr, so I'd rather stick with short term bonds/funds. Here are my questions: 1. What would be my best bet for lower risk funds/etfs? Since this is a >3mo emergency fund, some market fluctuations wouldn't worry me. For a liqui...
by RyeWhiskey
Mon Apr 11, 2016 12:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master Thread for Portland, Oregon
Replies: 98
Views: 25031

Re: Master Thread for Portland, Oregon

katerose wrote:Will there be an April meet up for Portland?
Look forward to meeting others in the area.


I believe it's been yearly in the past, so, unless there's enough interest we may have to wait until 2017. :beer
by RyeWhiskey
Wed Apr 06, 2016 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Improve bond holdings?
Replies: 43
Views: 2996

Re: Improve bond holdings?

Complexity is fine if it actually brings you something. In the case of OP, many of the funds are held in too small percentages to be of any real use over the long run. Tax deferred: 10.6% ST bond index 8.8% TIPS fund 12.2% individual TIPS 5.7% total bond market 2.4% ST investment grade 4.0% insuranc...
by RyeWhiskey
Thu Mar 24, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 152
Views: 24209

Re: Costco AMEX Transition - Costco has no answers

I chatted with AMEX and was able to move almost my entire credit limit from the Costco AMEX to my Blue Cash AMEX. Had to leave $500 limit of the Costco card (standard AMEX policy). Now I have the same credit limit but am ready to lose the Costco card come June. :beer
by RyeWhiskey
Tue Mar 22, 2016 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: College Student Trying to Start Short Term Investing
Replies: 19
Views: 625

Re: College Student Trying to Start Short Term Investing

Thanks for the insight guys, I'm going to talk to my friends a bit more and see their experience what their experience has been. I'll relay the info over. I did some more research in the mean while, the company was in Richard Branson's top 10 ( http://www.denverpost.com/business/ci_29190161/three-c...
by RyeWhiskey
Tue Mar 22, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Double Cash - must carry balance?
Replies: 13
Views: 1640

Re: Citi Double Cash - must carry balance?

I have not applied for the Double Cash card because my Capital One Quicksilver card is simpler, in my opinion, and more versatile. This said, the second poster is correct: you receive the "bonus" 1% whenever you pay the balance. Period.
by RyeWhiskey
Tue Mar 22, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: College Student Trying to Start Short Term Investing
Replies: 19
Views: 625

Re: College Student Trying to Start Short Term Investing

How It Works 1 Back a business offer The first step to earning returns Backing an offer on Kickfurther is different than other crowdfunding sites. Each product on Kickfurther has a proven track record and is raising money to help fund more inventory. Best of all, backers earn great returns when inv...
by RyeWhiskey
Tue Mar 22, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: Changing careers (becoming real estate agent)
Replies: 18
Views: 1972

Changing careers (becoming real estate agent)

Hello community, I am currently about to turn 30, work as a server in fine dining, and have been offered a position at a small, local, successful, family real estate firm in Portland, Oregon. I am aware of the time and cost of getting certified, and have been assured of work filing papers and so for...
by RyeWhiskey
Mon Mar 21, 2016 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Changing careers to finance mid 30's
Replies: 40
Views: 3952

Re: Changing careers to finance mid 30's

So here is my situation. I am 35, I work as a cook for an executive dining room at a finance firm in Manhattan. I make $18.50 an hour. I am very disciplined as far as savings/investing and live frugally. Even though in NYC it is hard to not spend a lot on things like rent. I am frustrated now becau...
by RyeWhiskey
Mon Feb 01, 2016 6:20 pm
Forum: Investing - Theory, News & General
Topic: relationship Bonds an interest rate
Replies: 4
Views: 618

Re: relationship Bonds an interest rate

Suppose I bought $10000 of a bond index fund. If feds increase interest rate to 0.5%, what will happen to my yield and the price of each share? If feds decrease rate to 0%, what happens? If feds decrease to -.25%, what happens? Thanks. It seems as though you need to research the relationship betwee...
by RyeWhiskey
Wed Jan 27, 2016 2:50 pm
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 100
Views: 15269

Re: Stacked up some more silver bullion today

About four years ago, when I was first getting interested in and serious about personal finance, I walked into the local gold/silver coin dealer to take a look at how investing in physical precious metals would play out. I didn't have the capital or security to invest in physical gold at the time, b...
by RyeWhiskey
Sun Jan 24, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: No troll, not a sock puppet just wondering
Replies: 17
Views: 2547

Re: No troll, not a sock puppet just wondering

Regarding the rolling LEAP strategy, FWI it was discussed on this forum here: https://www.bogleheads.org/forum/viewtopic.php?t=88487, there seem to me some important questions to ask, namely: - If one buys a LEAP call on the S&P and the market drops, the value of the leap decreases as well. Give...
by RyeWhiskey
Sat Jan 23, 2016 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 5973

Re: Going from 50/50 US/Int to All US

FWIW, I'm of similar age to OP and am 100% invested in Total World Stock Index. It's about 50/50 domestic/international and I couldn't sleep any easier. Why? You think there will suddenly be economic growth in Europe, or Japan, or Brazil? Which countries would drive the increases you expect in non-...
by RyeWhiskey
Fri Jan 22, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 80
Views: 5973

Re: Going from 50/50 US/Int to All US

FWIW, I'm of similar age to OP and am 100% invested in Total World Stock Index. It's about 50/50 domestic/international and I couldn't sleep any easier.
by RyeWhiskey
Fri Jan 22, 2016 6:02 pm
Forum: Investing - Theory, News & General
Topic: Why don't people like the higher level of real estate allocation in Swensen lazy portfolio?
Replies: 33
Views: 2950

Re: Why don't people like the higher level of real estate allocation in Swensen lazy portfolio?

And for that I prefer PAIFs .. You get very low volatility, virtually no correlation to equities, obviously illiquidity was a problem in 2008, but they'll go on paying income PAIFs are not available in the US, though, no? And to my knowledge there isn't an analogous vehicle available in the states....
by RyeWhiskey
Fri Jan 15, 2016 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: VTSMX vs. VTSAX
Replies: 28
Views: 1839

Re: VTSMX vs. VTSAX

They are the same fund only different "classes." So if you have a refrigerator and in it is 3,000 things, one person can access the fridge for 0.17% per year but they have to commit $3,000 up front. The other person can access the fridge for 0.05% a year but they have to have $10,000 up fr...
by RyeWhiskey
Thu Jan 14, 2016 6:30 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets: Yes or No?
Replies: 75
Views: 9205

Re: Emerging Markets: Yes or No?

I have no idea what my exposure to emerging markets is, so I'll look it up. Vanguard Total World Market Index says I'm 6.18% emerging market equities. So there you have it. I like not knowing and not caring. :beer
by RyeWhiskey
Sat Jan 02, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: VUSTX [Vanguard Long-Term Treasury]
Replies: 6
Views: 524

Re: VUSTX [Vanguard Long-Term Treasury]

It seems as though you may wish to do more research on the vehicles you are investing in. Long term bonds can be useful in several important ways: - long term treasuries are inversely coorelated with equities, so when equities crash, they go up. - long term treasuries provide stable dividends that c...
by RyeWhiskey
Sat Jan 02, 2016 2:35 pm
Forum: Investing - Theory, News & General
Topic: frustrating to keep investing in international/EM
Replies: 110
Views: 8754

Re: frustrating to keep investing in international/EM

Or you can just take a total world approach and let the chips fall where they may. What if 50 years from now the rest of the world is 90% of the stock market? Are you going to keep rebalancing away from "rest-of-world" to US for 5 decades to some arbitrary US/international split that over...
by RyeWhiskey
Mon Dec 28, 2015 10:24 pm
Forum: Investing - Theory, News & General
Topic: Different asset allocations for different accounts?
Replies: 18
Views: 1013

Re: Different asset allocations for different accounts?

It's simple: does your taxable account serve a different purpose than your Roth/IRA/401k? This is to say, is the money invested in taxable also for retirement? If so, then it's one asset allocation. If not, then it is whatever it is.
by RyeWhiskey
Mon Dec 28, 2015 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 12
Views: 1109

Re: Portfolio Review

I'm not sure what your questions are. :happy Your portfolio is fine. I think you should consider rolling the tIRA into your current 401k (which seems to have good options, but you didn't list the expense ratios) and then use the back door method to contribute to Roth IRA each year. :sharebeer
by RyeWhiskey
Mon Dec 28, 2015 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest $500/week in Vanguard Total Stock Market ETF
Replies: 36
Views: 3910

Re: How to invest $500/week in Vanguard Total Stock Market ETF

If I was going to invest weekly I'd do it automatically into the fund class and forget about it.
If I was going to invest monthly I'd do it however felt easiest (ETF or fund) and accommodated my finances.

Full disclosure: I have automatic weekly investments into VTWSX. Couldn't sleep better. :beer
by RyeWhiskey
Mon Dec 28, 2015 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum - payoff student loans or add to after tax investments?
Replies: 5
Views: 349

Re: Lump sum - payoff student loans or add to after tax investments?

Seems like you have a lot of debt to be contributing to a taxable account with extra money. I'd definitely knock out the 6.55% loan and dump the rest into the other and call it a day. :beer
by RyeWhiskey
Mon Dec 28, 2015 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: 30 yr old 401k asset allocation
Replies: 5
Views: 749

Re: 30 yr old 401k asset allocation

1. Well done putting yourself in a good position at such an age. 2. Is your emergency fund large enough? I ask only because with 150k/yr of income you may have a higher cost of living, and the EF is usually 6-12 months expenses. 3. What you post here is a fine plan: 65% VINIX - Vanguard Institutiona...
by RyeWhiskey
Mon Dec 28, 2015 1:46 am
Forum: Investing - Help with Personal Investments
Topic: 5%&up return and 0 risk tolerance, are there options?
Replies: 65
Views: 3509

Re: 5%&up return and 0 risk tolerance, are there options?

A given risk is a risk none-the-less, is it not? The risk of savings accounts and CDs is that they underperform compared to inflation, thus losing real purchasing power over time. This is a risk that deserves to be stated. And, given that this is the case, there is no such thing as a riskless or ri...
by RyeWhiskey
Mon Dec 28, 2015 1:43 am
Forum: Personal Finance (Not Investing)
Topic: Buying a house with no money down
Replies: 77
Views: 6204

Re: Buying a house with no money down

The house is $880k and my income last year was $220k although it's from my business so it can fluctuate a lot. Well there's your problem: you simply cannot afford an $880k home. Take a deep breath, find a less expensive home that you can afford, put 20% down and get a nice low rate mortgage and mov...
by RyeWhiskey
Mon Dec 28, 2015 1:38 am
Forum: Investing - Help with Personal Investments
Topic: 5%&up return and 0 risk tolerance, are there options?
Replies: 65
Views: 3509

Re: 5%&up return and 0 risk tolerance, are there options?

Looking for investment options. All investment options carry risk. 3% is probably the best you can do with minimal risk. Anything outside of treasury and eebonds? You may want to familiarize yourself with different forms of fixed-income investments and the risk associated with each. Equities and re...
by RyeWhiskey
Sun Dec 27, 2015 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house with no money down
Replies: 77
Views: 6204

Re: Buying a house with no money down

The house is $880k and my income last year was $220k although it's from my business so it can fluctuate a lot. Well there's your problem: you simply cannot afford an $880k home. Take a deep breath, find a less expensive home that you can afford, put 20% down and get a nice low rate mortgage and mov...
by RyeWhiskey
Sun Dec 27, 2015 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: 5%&up return and 0 risk tolerance, are there options?
Replies: 65
Views: 3509

Re: 5%&up return and 0 risk tolerance, are there options?

My comment is absolutely serious. If you can come up with zero risk, 5% return, by simply leveraging at 2x, you can get a 10% return. By induction, this can be taken to quite far, eventually generating a return of 20, 30, 40%, with zero risk. Thus, you should be able to conclude that you can not ma...
by RyeWhiskey
Sun Dec 27, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a house with no money down
Replies: 77
Views: 6204

Re: Buying a house with no money down

I can't see why if you had the cash to make a down payment you would, instead, draw on an IRA... :confused
by RyeWhiskey
Sun Dec 27, 2015 3:49 pm
Forum: Investing - Theory, News & General
Topic: Share your current asset allocation?
Replies: 94
Views: 6628

Re: Share your current asset allocation?

Age 29. 100% Vanguard Total World Stock Index VTWSX/VT
by RyeWhiskey
Sun Dec 27, 2015 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: 5%&up return and 0 risk tolerance, are there options?
Replies: 65
Views: 3509

Re: 5%&up return and 0 risk tolerance, are there options?

Looking for investment options. All investment options carry risk. 3% is probably the best you can do with minimal risk. Anything outside of treasury and eebonds? You may want to familiarize yourself with different forms of fixed-income investments and the risk associated with each. Equities and re...

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