Search found 22 matches

by a5ehren
Fri Aug 18, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 68
Views: 7431

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Here's the actual proxy statement: http://www.proxy-direct.com/Vanguard/Materials/Vanguard%20Complete%20Definitive%20Proxy%20Statement%202017.pdf You can access the voting online through your VG message center. The proposal in question was not proposed by the VG board, so it will almost certainly fa...
by a5ehren
Thu Aug 10, 2017 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Struggling with Justifying an Expensive Car Purchase
Replies: 120
Views: 5638

Re: Struggling with Justifying an Expensive Car Purchase

1) Running a 60% savings rate with no intention of an early retirement is odd to me. I would say "take more vacations", but you have an 18-month old so that isn't really happening any time soon :P 2) Childcare is really dang expensive. This will probably take care of #1 by itself :!: 3) Buy the chea...
by a5ehren
Thu Aug 10, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7369

Re: Aug. 2017 US total eclipse hotel reservations.

I will believe these traffic issues when I see them. I don't know anyone else who is planning to drive to see the eclipse, most people haven't even heard of it and those that have typically say that they will just watch it from home, not realizing there is a big difference between being in the zone...
by a5ehren
Thu Aug 10, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7369

Re: Aug. 2017 US total eclipse hotel reservations.

Oregon is expecting an 8x increase in travel times between Salem and Portland, apparently.

General advice is to get in the zone the day before and leave the day after if you can. That's what I'm doing in Georgia - nice little vacation, too.
by a5ehren
Thu Aug 10, 2017 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital without giving them my passwords: worth it?
Replies: 27
Views: 2010

Re: Personal Capital without giving them my passwords: worth it?

LOL LOL Really? People think this is okay? What do you tell your brokerage when your account has been drained and they ask if you have ever shared your password?! And this is all so that somebody else can help you to manage your money? :oops: Storing text strings securely is a solved problem if you...
by a5ehren
Thu Jul 27, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 6785

Re: Post Nuptial agreement guaranteeing alimony?

1) If you're working in an industry that is lucrative enough to get away with being this restrictive, none of this will matter in the long term. Up to you if having this awkward conversation is worth a potentially marginal amount of future money. 2) If your husband's company is not willing to compen...
by a5ehren
Fri Jun 30, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Looking into selling a structured settlement and need some advice
Replies: 66
Views: 4250

Re: Looking into selling a structured settlement and need some advice

Thanks for the feedback and responses everyone. That is why I came here in the first place. To give everyone an update... I am not going to be selling it. Over the past week, the offer went up to 1,250,000. It bottomed out there as a takeout or leave it. I am leaving it. To play devil's advocate an...
by a5ehren
Fri Jun 30, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plan age based options
Replies: 7
Views: 436

Re: 529 Plan age based options

What's the ratio of domestic to international on that option?

Given a ~16 year time horizon and trying to pay for 2 kids, the aggressive plans are really the only reasonable option unless you're making fairly large contributions.
by a5ehren
Mon Jun 19, 2017 3:45 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7556

Re: Poll: Do Bogleheads own Stocks?

I hold company stock for about 10 minutes twice a year from ESPP. Company has returned a total of 4% over the last 5 years while being pretty volatile, so there's no reason to hold it in a decent portfolio. Worst case scenario (after discount and tax) is ~10% return over 6 months, but it is usually ...
by a5ehren
Fri Jun 02, 2017 7:32 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2016
Views: 349809

Re: What's Your Credit Card Rewards Strategy?

I only have one credit card that use for everything, American Express Blue Cash Preferred. I've tried chasing bonuses and it's too much hassle in my opinion. Simplicity is valuable. Yeah, I have the new USAA card that does 2.5% for everything. It is extremely nice, and I don't have to spend my time...
by a5ehren
Thu Jun 01, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1249

Re: Need to rebalance out of an expensive target date fund

That's true. Maybe I'll send that to the kid's 529 It's commonly advised to max out your retirement accounts before funding college accounts, since the latter are more restrictive and you can't easily get a loan to pay for retirement. I'm only putting enough in now to get the state tax deduction (u...
by a5ehren
Thu Jun 01, 2017 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1249

Re: Need to rebalance out of an expensive target date fund

Yep. With the way the %ages lie once you remove the Roths it actually makes the math read a lot easier, too. His 401k at Schwab - 65% total 30% 500 Institutional - 0.04% 15% Extended Mkt Inst - 0.06% 15% Total Intl Stock - 0.09% 5% Total Bond - 0.04% Her 403b at Fidelity - 35% 15% Fidelity 500 Inde...
by a5ehren
Thu Jun 01, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1249

Re: Need to rebalance out of an expensive target date fund

That's true. Maybe I'll send that to the kid's 529 It's commonly advised to max out your retirement accounts before funding college accounts, since the latter are more restrictive and you can't easily get a loan to pay for retirement. I'm only putting enough in now to get the state tax deduction (u...
by a5ehren
Thu Jun 01, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1249

Re: Need to rebalance out of an expensive target date fund

New contributions: ~14000 His 401k (with an eye to ramping to ~20k after employer match over the next few years) Split 40/20/20/10 among the funds ~13000 Her 403b (with no ramp until above is done) Split 40/20/20/10 among the funds You'll be able to put a bit more in these accounts, because moving ...
by a5ehren
Thu Jun 01, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1249

Re: Need to rebalance out of an expensive target date fund

Yep. With the way the %ages lie once you remove the Roths it actually makes the math read a lot easier, too. His 401k at Schwab - 65% total 30% 500 Institutional - 0.04% 15% Extended Mkt Inst - 0.06% 15% Total Intl Stock - 0.09% 5% Total Bond - 0.04% Her 403b at Fidelity - 35% 15% Fidelity 500 Index...
by a5ehren
Thu Jun 01, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1249

Re: Need to rebalance out of an expensive target date fund

Thanks for the idea. Right now I'm weighing a plan where I would stop the IRA contributions in favor of ramping up the pre-tax accounts. In that scenario I'd probably convert both Roth accounts to Target 2050 and make aggressive 4-fund AAs in the main accounts. Something like this?: His 401k at Schw...
by a5ehren
Thu Jun 01, 2017 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1249

Re: Need to rebalance out of an expensive target date fund

That's a good point that I hadn't thought about. I created the Roth accounts under the assumption that taxes would have to go up at some point in the next 30 years, but that may not be true.

I don't expect to need to withdraw more than the 2045-equivalent of $75k/yr in retirement.
by a5ehren
Wed May 31, 2017 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1249

Re: Need to rebalance out of an expensive target date fund

His 401k -> ~$8700/year (working on bumping this up)
Her 403b -> ~7500/year

I'll add it to the OP.
by a5ehren
Wed May 31, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1249

Re: Need to rebalance out of an expensive target date fund

Going to give this a quick bump to see if there's any other advice now that we're back from the holiday.

Probably going to pull the trigger on my allocation from the last post this weekend if no major objections.
by a5ehren
Fri May 26, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: Austrian investing: starting simple
Replies: 6
Views: 625

Re: Austrian investing: starting simple

I suggest you look it up, maybe from a reference in the book you read, before committing to an investment program based on it. PJW +1000 I figured OP would know the answer to that, hence the thread trying to evangelize it. The short, skeptical answer is that if there was a magic formula to time the...
by a5ehren
Fri May 26, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1249

Re: Need to rebalance out of an expensive target date fund

Yeah, the %ages here are 2nd-order approximations, but I have the actual numbers in an Excel sheet and I promise it all adds up Balancing across accounts is probably a good idea, though I have to admit a 29% weight on international makes me a bit uncomfortable. My version might look something like t...
by a5ehren
Fri May 26, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Need to rebalance out of an expensive target date fund
Replies: 20
Views: 1249

Need to rebalance out of an expensive target date fund

Emergency funds: We're comfortable here Debt: 191k in 15-year mortgage @ 2.875%, good amount of positive equity Tax Filing Status: MFJ Tax Rate: ~25% Federal, 6% State State of Residence: GA Age: 31 Desired Asset allocation: 90% stocks / 10% bonds Desired International allocation: 20% of stocks, or ...