Search found 599 matches

by RyeWhiskey
Sat Apr 23, 2016 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Charles Schwab Checking + Brokerage Account
Replies: 36
Views: 3056

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: 1092

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: 488

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: 1092

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: 24063

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: 2913

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: 118
Views: 15989

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: 593

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: 1613

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: 593

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: 1879

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: 3737

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: 603

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: 15168

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: 2514

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: 5667

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: 5667

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: 2901

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: 1818

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: 9049

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: 500

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: 8588

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: 972

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: 1092

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: 3847

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: 345

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: 730

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: 3464

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: 6123

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: 3464

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: 6123

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: 3464

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: 6123

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: 6390

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: 3464

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 2:28 pm
Forum: Forum Issues and Administration
Topic: Request for comment on disallowing unexplained/vague outsized performance claims
Replies: 17
Views: 1244

Re: Request for comment on disallowing unexplained/vague outsized performance claims

As someone who has moderated/administrated multiple forums in the past, I can tell you that this proposal is too vague and difficult to implement and, in my opinion, we'd be better served by maintaining a high level of discourse that challenges such claims when they occur.
by RyeWhiskey
Sun Dec 27, 2015 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: 5%&up return and 0 risk tolerance, are there options?
Replies: 65
Views: 3464

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

pisistratus wrote:Looking for investment options.


All investment options carry risk. 3% is probably the best you can do with minimal risk.
by RyeWhiskey
Sat Dec 26, 2015 6:50 pm
Forum: Investing - Theory, News & General
Topic: The Year in International-Stock Funds (by M*)
Replies: 10
Views: 1577

Re: The Year in International-Stock Funds (by M*)

Given that all the experts can't be right all the time, and some of the experts may be right some of the time, but none of the experts will be right none of the time, I think that this is another good reason to stick to a total world market index.
by RyeWhiskey
Sat Dec 26, 2015 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Money Market in IRA
Replies: 6
Views: 925

Re: Vanguard Money Market in IRA

You need to call Vanguard. I am fairly certain that your situation is less complicated than you think and can be resolved in under 15 minutes, but it will need to be done on the phone rather than through this forum. :beer
by RyeWhiskey
Sat Dec 26, 2015 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Duplicating Total International Stock Index fund (VTIAX)
Replies: 6
Views: 654

Re: Duplicating Total International Stock Index fund (VTIAX)

80% VTMGX – Vanguard Developed Markets Idx Admiral 20% VEMAX – Vanguard Emerging Mkts Stock Idx Adm This split will work fine, however, I thought I should mention that what you posted below (and I have quoted here) is simpler and should be considered as well. Total International is a great fund to ...
by RyeWhiskey
Sat Dec 26, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: What is your savings rate?
Replies: 146
Views: 15826

Re: Thoughts on Loans for Calculating Savings Rates

I get it but it does not make sense. Think of this. If I had loans that equaled 100% of my income. I then started paying down those loans but put no money aside for future use would I be "saving" money? No, of course not. When paying loans you are not "saving" money rather you a...
by RyeWhiskey
Sat Dec 26, 2015 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation Help: Too Many I-Bonds?
Replies: 32
Views: 2881

Re: Bond Allocation Help: Too Many I-Bonds?

What percentage of one's bond allocation do people typically allocate towards inflation protection? There's no right answer to that question, but I've seen recommendations for anywhere from 25%-50% of one's bond allocation to TIPS/I-Bonds, although this allocation tends to be directed towards folks...
by RyeWhiskey
Sat Dec 26, 2015 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation Help: Too Many I-Bonds?
Replies: 32
Views: 2881

Re: Bond Allocation Help: Too Many I-Bonds?

I think your question reveals a more important question: what is the purpose of the bonds you hold as 25% of your allocation? If it is, as most BH's would assume, for dampening the volatility of stocks, then it doesn't matter greatly whether or not they're in I-Bonds or diversified bond fund as you'...
by RyeWhiskey
Sat Dec 26, 2015 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 6834

Re: [What will you do differently in] 2016

- Pay off grad loans before grace period ends - Live on 1k/month. Save rest. - Simplify, simplify, simplify: --- Consolidate lines of credit from cards I don't/won't use --- Delete old/unused accounts - Security check (buy Ubikey and get Lastpass Premium). That's it. Looking to make things as simple...
by RyeWhiskey
Thu Dec 24, 2015 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Healthcare funds
Replies: 28
Views: 1973

Re: Healthcare funds

Hi all, good morning. What Healthcare fund(s) do you all currently hold (assuming you do)? I was just curious to see what you guys think about HC funds as a long term strategy. Any good Vanguard HC funds I can be looking at for a long term investment? I am currently invested in the 3 fund portfolio...
by RyeWhiskey
Wed Dec 23, 2015 6:12 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Purist
Replies: 43
Views: 3683

Re: John Bogle Purist

100% Vanguard Total World Stock Index (VTWSX/VT). Purity and simplicity at its finest. Will add bonds as I get older (currently 29), starting with Long Term Treasuries until retirement, then adding Short-Term TIPS. That's the plan, at least.
by RyeWhiskey
Wed Dec 23, 2015 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: What is your savings rate?
Replies: 146
Views: 15826

Re: What is your savings rate?

Savings rates mean little when not accompanied by earnings. As SP-diceman above noted but I'll make more personal, I make approx. $25,000 a year and save anywhere between $6000 and $10,000 depending on what comes up. That's a 25%-40% savings rate. Now, if I suddenly earned $100,000 a year, I could e...
by RyeWhiskey
Wed Dec 23, 2015 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Late 20's portfolio: how do we increase our bond allocation?
Replies: 11
Views: 1634

Re: Late 20's portfolio: how do we increase our bond allocation?

The simplest solutions would be either: 1) New 401k contributions into the cheapest, most diversified, bond fund available until you reach your desired allocation. 2) Convert all the rollover IRAs and Roths at Vanguard that are currently VTSAX to Total Bond Index. This would give you approx. 26% in ...

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