Search found 853 matches

by RyeWhiskey
Sat Mar 25, 2017 4:50 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 103
Views: 6803

Re: Blog on emerging Markets, and investors underweighting them

I read all of Larry's articles with interest, and generally agree with his arguments for EM. Yet, given that I don't know what he knows (or what most know, for that matter), I find that threads like these always reassure me of my 100% Total World Stock equity allocation. Simply put, it's so simple t...
by RyeWhiskey
Fri Mar 24, 2017 2:07 pm
Forum: Personal Consumer Issues
Topic: Skinny Ties
Replies: 14
Views: 1894

Re: Skinny Ties

Vintage stores. All my skinny ties cost less than $20 a piece, look freaking phenomenal, and are well-made. :beer
by RyeWhiskey
Sat Feb 25, 2017 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: 5k for 10yrs
Replies: 6
Views: 649

Re: 5k for 10yrs

What does your IPS say? It should account for a situation like this fairly easily.

Also, since you're already gambling with the 10% in individual stocks, it may be wise to go more conservative with these funds. :beer
by RyeWhiskey
Thu Jan 12, 2017 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Help building a Permanent Portfolio
Replies: 2
Views: 551

Re: Help building a Permanent Portfolio

a. the IHCB.AX has a weightned maturity of aprox. 9 years (as per the prospect info) and being those short maturity corporate bonds i decided to allocate 35% to BONDS and 15% to CASH hoping to emulate a higher maturity for the component BONDS+CASH compensating the short maturity for the IHCB. Am i ...
by RyeWhiskey
Mon Jan 09, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 72
Views: 11620

Re: Laundry lifestyle creep

Costco sells a scentless detergent in a huge container for a very affordable amount that lasts a long time and is high efficiency. What more do you need?
by RyeWhiskey
Mon Jan 09, 2017 1:09 pm
Forum: Investing - Theory, News & General
Topic: Lazy Portfolio with Sector Funds
Replies: 33
Views: 2422

Re: Lazy Portfolio with Sector Funds

Has anyone looked at using sector funds ETFs instead of general market ETFs in designing lazy portfolios? It seems that VDC (Vanguard Consumer Staples ETF) might be as robust as VTI, but much less risky. In particular, I was looking at this two fund ETF portfolio: 75% VDC(Vanguard Consumer Staples ...
by RyeWhiskey
Mon Jan 09, 2017 12:58 pm
Forum: Personal Finance (Not Investing)
Topic: Best Financial Moves You've Made
Replies: 141
Views: 17644

Re: Best Financial Moves You've Made

I'm 30 and found this forum perhaps 4 years ago. About a year after I got my finances together, I took a small amount of money (but enough to make it feel important) and bought three different penny stocks in my HSA brokerage account. Why buy big blue chip stocks when they are well represented in th...
by RyeWhiskey
Mon Jan 02, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on this potential portfolio?
Replies: 5
Views: 381

Re: Thoughts on this potential portfolio?

Also, there's an active thread on this forum right now addressing small cap value tilting that may be of interest: viewtopic.php?f=10&t=206993&newpost=3175008
by RyeWhiskey
Mon Jan 02, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on this potential portfolio?
Replies: 5
Views: 381

Re: Thoughts on this potential portfolio?

It seemed that because my horizon is long, you advised that I stick with what I have. For the record, I would not exactly consider this a change, as I'm only 25 and haven't been investing very long. So really, I want to find an allocation...and then I'll definitely stick what allocation and "d...
by RyeWhiskey
Sun Jan 01, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: What are your portfolio/investments?
Replies: 38
Views: 2780

Re: What are your portfolio/investments?

Age 30.

Emergency fund in place for 6-12 months expenses.
Portfolio: 100% Vanguard Total World Stock Index (VTWSX/VT) spread between Vanguard Roth IRA, Vanguard taxable, and my HSA.

Keep it simple. :sharebeer
by RyeWhiskey
Fri Dec 09, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab brick-and-mortar store
Replies: 11
Views: 897

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: 96
Views: 5929

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: 22
Views: 2977

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: 1023

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: 6852

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: 6688

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: 6945

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: 80
Views: 8114

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: 1761

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: 1240

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: 1415

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: 4041

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: 1705

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: 1070

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: 1086

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: 6509

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: 3009

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: 49
Views: 9081

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: 1212

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: 49
Views: 9081

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: 2010

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: 2875

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: 6865

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: 6564

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: 6865

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: 2427

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: 6865

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: 2622

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: 5788

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: 5788

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: 2427

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: 6085

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: 9858

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: 4354

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: 1392

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: 2546

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: Comprehensive discussion on holding/trading mutual funds, ETF, and stocks in Chase (for those who values CPC status)
Replies: 101
Views: 12975

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: 3734

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: 5655

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: 2025

Re: Jack Bogle Appearance - You're Invited

I just checked and can confirm that tickets are available. :beer

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