Search found 725 matches

by badbreath
Wed Jan 17, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 146
Views: 13992

Re: Anyone disenchanted with retirement?

I am since I retired this year but still working full time,forgot to tell my employer I retarded.
by badbreath
Mon Jan 15, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio design (U.K)...Please?
Replies: 8
Views: 388

Re: Help with portfolio design (U.K)...Please?

There was a interesting article on JL Collins blog about UK investing

http://jlcollinsnh.com/2018/01/12/an-in ... pe-artist/
by badbreath
Mon Jan 15, 2018 12:44 am
Forum: Investing - Help with Personal Investments
Topic: 403b am I better off skipping 403b?
Replies: 10
Views: 834

Re: 403b am I better off skipping 403b?

I think you are doing fine and keep fully fund your retirement.
by badbreath
Sun Jan 14, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3457

Re: Are land line phones still being supported?

We have not had one for 5 years. Just seemed like a extra cost that we did not need.
by badbreath
Sun Jan 14, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 93
Views: 4765

Re: Looking for a reasonably priced, safe international destination

Fly to London and do the London stuff. ride a double deck bus, changing of guards 3-4 days. Next hop on a train and go north to Edinburgh. Visit Edinburgh Castle, Royal Mile 3-4 days. Fly home from Edinburgh.
by badbreath
Sat Jan 13, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help with young family portfolio
Replies: 12
Views: 942

Re: Help with young family portfolio

I’m currently not making any 401k salary deferrals although my employer puts in 5% each year Every year when you get a cost of living adjustment raise increase your contribution in your 401k by 1/2 of it. So if you get a 3 % raise this year start contributing 1.5% more in your 401K. Do this every y...
by badbreath
Sat Jan 13, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: video- How Dave Ramsey's Mutual Funds Have Performed Since 1973
Replies: 5
Views: 1244

Re: video- How Dave Ramsey's Mutual Funds Have Performed Since 1973

Dave forgets or does not want to subtract fees and loads. Yes many do when you don't include that
by badbreath
Sat Jan 13, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Three piles approach to new money?
Replies: 4
Views: 600

Re: Three piles approach to new money?

Just invest it all in Vanguard 2050 VFIFX and stop over thinking it
by badbreath
Thu Jan 11, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5316

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

HikerNC »

If your portfolio is 100% stocks and you're over 50 years old, I suggest you watch this PBS Frontline special from 2013:

https://www.youtube.com/watch?v=A3htnbwFgoM
I agree if its my DD at 26 go for it, if its me 56 no need some bonds
by badbreath
Thu Jan 11, 2018 12:49 am
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement Portfolio
Replies: 9
Views: 710

Re: Help with Retirement Portfolio

I agree with the above just do the target date and start reading the wiki for longer term investing.
by badbreath
Tue Jan 09, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 4636

Re: Forgot to make my $5500 contribution for 2018

Op

You failed, no retirement for you!
by badbreath
Tue Jan 09, 2018 12:36 am
Forum: Personal Finance (Not Investing)
Topic: What To Do about DH – Dark Clouds on the Horizon
Replies: 9
Views: 2636

Re: What To Do about DH – Dark Clouds on the Horizon

I am not a lawyer and would suggest you talk to one who does wills/estates Questions: 1. What is the most important thing we can do right now to prepare for the future? Since not married each prepare a will 2. Are there legal or financial reasons that we should get married right now? No you should a...
by badbreath
Tue Jan 09, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: Anyone successful in receiving Samsung promo
Replies: 3
Views: 378

Re: Anyone successful in receiving Samsung promo

It takes a long time to come from Korea.
by badbreath
Sun Jan 07, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Best Way to Invest Bonus in 401k
Replies: 2
Views: 394

Re: Best Way to Invest Bonus in 401k

I put in 40% of my bonus tax free into my 401k. They let me do up to 75% of the bonus.

I do it because of the 40% tax they put on it and the megacorp has a true up on the match
by badbreath
Sun Jan 07, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: newbie help: how to invest a 200k windfall
Replies: 12
Views: 927

Re: newbie help: how to invest a 200k windfall

I have been investing any windfall into 2/3 Total stock Market (VTSAX) 1/3 in FTSE All-World ex-US Index Fund (VFWAX). It has been working out good in my taxable account so far.
by badbreath
Sun Jan 07, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: Recessions in the USA (list) - Where are we now? Actionable Steps?
Replies: 31
Views: 2460

Re: Recessions in the USA (list) - Where are we now? Actionable Steps?

Well I think I can predict the recession. It will be 2020 when I retire :beer
by badbreath
Sun Jan 07, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: If my employer matches my 401(k) contributions all the way up to the IRS maximum, should I fill it up before taxable?
Replies: 11
Views: 979

Re: If my employer matches my 401(k) contributions all the way up to the IRS maximum, should I fill it up before taxable

Make sure your company does a true up for the 6 months you are not putting into the 401k. Some do some do not true up and you would be out of the match.
by badbreath
Sat Jan 06, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Flagship milestone: Thank You Bogleheads!
Replies: 13
Views: 2507

Re: Flagship milestone: Thank You Bogleheads!

how do you know you are Flagship?
by badbreath
Fri Jan 05, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Re-balance to bond and/or cash?
Replies: 14
Views: 896

Re: Re-balance to bond and/or cash?

by mickeyvee » Fri Jan 05, 2018 9:36 pm Hello Everyone! I'm married, 63 yo and plan to work for 3 more years. Portfolio: $950,000 3 Fund Portfolio (AA 60/40) 1) VTSAX Total Market 2) VTIAX Total Intl 3) FSITX Total Bond I need to rebalance about $40,000 to $50,000. This would normally be a no brain...
by badbreath
Wed Jan 03, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)
Replies: 110
Views: 7891

Re: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)

Move to Miami. You would get the tax free of Texas a lifestyle of NYC (since half of the population is from their) Flights are cheep to NYC $200 round trip
by badbreath
Wed Jan 03, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer and New Plan Options
Replies: 1
Views: 142

Re: New Employer and New Plan Options

So with the 4 funds above I was thinking of the following allocation: - VINIX: 60% - VTSNX: 15% - VIEIX: 10% - VBTIX: 15% This looks good Up until now, I have pulled my hair out trying to determine whether we should be contributing Roth versus traditional (we can do either with both the accounts ab...
by badbreath
Wed Jan 03, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Recommend me a backpack for business use
Replies: 21
Views: 1223

Re: Recommend me a backpack for business use

quantumFlamethrower »

Timbuk2

https://www.timbuk2.com/laptop-backpack ... refv1=Work
I have used Timbuk2 for years. Very high quality and durability.
by badbreath
Wed Jan 03, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Conservative approach for current market environment
Replies: 24
Views: 1543

Re: Conservative approach for current market environment

Since your in LA and this is in a taxable maybe you want to think about California Intermediate-Term Tax-Exempt Fund Investor Shares (VCAIX) instead of Short term investment grade bond fund
by badbreath
Tue Jan 02, 2018 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing 401k in January?
Replies: 11
Views: 1234

Re: Maxing 401k in January?

contribute to the plan in a calendar year
this tells me they do not true up. Do what Slacker said.
by badbreath
Tue Jan 02, 2018 7:58 pm
Forum: Investing - Theory, News & General
Topic: When married, whose contribution should you prioritize?
Replies: 30
Views: 2834

Re: When married, whose contribution should you prioritize?

Oh this is your time to shine.

tell her "I was thinking of doing 60% in my401k and and 40% in yours with the money we can put in but that just isn't right so I am thinking 50-50 since it really is our money" Or something like that.
by badbreath
Tue Jan 02, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Act-no deduction for investment management fees
Replies: 6
Views: 655

Re: Tax Act-no deduction for investment management fees

..has your investment advisor notified you of this change? I have not told myself this yet ..were you given the opportunity to prepay fees? I did not give myself any opportunity to prepay fees to myself ..were you advised of the new tax advantage of direct investments in funds, passive and otherwis...
by badbreath
Tue Jan 02, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation of recently acquired windfall
Replies: 12
Views: 869

Re: Asset Allocation of recently acquired windfall

First two priorities get the surgery done, Pay off the car loan. Hold off on the property till the first two are done and then take the time to really look for what you want. I agree with what Radiowave said do not use bond in a large amount in a taxable municipal bond fund instead like the Vanguard...
by badbreath
Tue Jan 02, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing 401k in January?
Replies: 11
Views: 1234

Re: Maxing 401k in January?

If your company has a match and a true up go for it. If they do not then you will miss out on the match.
by badbreath
Mon Jan 01, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Trying to sort out all the portfolio advice
Replies: 13
Views: 1001

Re: Trying to sort out all the portfolio advice

Portfolio Charts sight is very very helpful with the portfolios you mentioned and more

https://portfoliocharts.com/
by badbreath
Sun Dec 31, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Placing an order to buy VTSAX, at what price will the transaction be executed?
Replies: 21
Views: 1270

Re: Placing an order to buy VTSAX, at what price will the transaction be executed?

OP, this is what you should think about
You will get the end of day price on Tuesday. Barring global apocalypse, you should be fine
.
by badbreath
Sun Dec 31, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Who should we appoint as executor?
Replies: 33
Views: 2546

Re: Who should we appoint as executor?

I would make them co executers and maybe it will get rid of the
(all because of a minor and rather silly matter)
by badbreath
Sun Dec 31, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 304
Views: 21578

Re: What frugal thing did you do today?

I hand shoveled the snow off the driveway vs calling a guy to plow it out Savins $35.00

I am going to regret it tomorrow :shock:
by badbreath
Sun Dec 31, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Need portfolio advice
Replies: 8
Views: 605

Re: Need portfolio advice

you have very good funds as sugested use Vanguard Inst Index Fund Inst Plus (Sym: VIIIX 0854) (Exp: 0.02%) Vanguard Ext Mkt Index Inst Plus (Sym: VEMPX 1860) (Exp: 0.05%) Vanguard Tot Intl Stock Ix Inst Pl (Sym: VTPSX 1870) (Exp: 0.07%) Vanguard Total Bond Mkt Ix Ist Pls (Sym: VBMPX 0850) (Exp: 0.03...
by badbreath
Sun Dec 31, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard ETFs
Replies: 7
Views: 848

Re: Problem with Vanguard ETFs

I Think Vanguard did a boot because all the MF and ETFs said $0.00 for about 15 min.
by badbreath
Sun Dec 31, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Roth Ira and Brokerage contribution question
Replies: 3
Views: 265

Re: Roth Ira and Brokerage contribution question

!. There is a small benefit of having all the money in at the beginning of the year The benefit it has the full contribution to take advantage of a full year in the market.

2. VTSAX is more tax efficient then VFIFX due to the bonds in the fund. But its only 10% bonds so it isn't that bad.
by badbreath
Sat Dec 30, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Please critique/ poke holes in my portfolio
Replies: 3
Views: 327

Re: Please critique/ poke holes in my portfolio

Funds in my 401k TARGET RETIREMENT/ ALL IN ONE FUNDS Vanguard Target Retirement Funds , 0.07% BOND FUNDS Vanguard Total Bond Mkt Index Inst VBTIX, 0.07% Metropolitan West Total Return Bond Index MWTIX, 0.44% sell put in total bond BALANCED FUNDS (STOCKS AND BONDS) Vanguard Wellington Fund Admiral V...
by badbreath
Sat Dec 30, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Feedback & Advice
Replies: 5
Views: 405

Re: Portfolio Feedback & Advice

Questions: 1. For my goals that are 2-3 years out where my risk tolerance is low to medium, what is an appropriate vehicle for investment? Savings is easy, but probably doesn’t give out optimal returns when I know I won’t need the money for several years. Would a something like a CD be appropriate ...
by badbreath
Sat Dec 30, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Daughter's John Hancock 401k
Replies: 13
Views: 771

Re: Daughter's John Hancock 401k

I would just put it in the Total Stock Market Index Fund as others recommended. She is young and it is cheap.
by badbreath
Sat Dec 30, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Joined the club
Replies: 4
Views: 523

Re: Joined the club

Welcome and good job done
by badbreath
Fri Dec 29, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help me with my 2018 Plan
Replies: 2
Views: 582

Re: Help me with my 2018 Plan

1. In a tax advantaged account, my understanding is that VBTLX is the *recommended* choice. Would you point me in a different direction? Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) 0.05% Expense ratio Yes read www.bogleheads.org/wiki/Tax-efficient_fund_placement 2. As a California ...
by badbreath
Fri Dec 29, 2017 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: So, how was the year ? Gains made and Lessons learnt ?
Replies: 75
Views: 6790

Re: So, how was the year ? Gains made and Lessons learnt ?

Don't think you are the only one on the board with a single income. My DW retired when she was laid off 5 years ago.

Anyway, this was the first year in more then 6 years that I had to rebalance in bonds due to the rise in stocks.
by badbreath
Fri Dec 29, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Did I just make rookie mistake?
Replies: 19
Views: 3234

Re: Did I just make rookie mistake?

Only issue I have with the lifecycle funds in your portfolio vs a 529 ar the bonds which are not very tax efficient in a taxable account. Something to think about.
by badbreath
Fri Dec 29, 2017 9:11 pm
Forum: Forum Issues and Administration
Topic: anybody else notice that the timestamp of posts is off by 1 hour?
Replies: 12
Views: 889

Re: anybody else notice that the timestamp of posts is off by 1 hour?

Bob's not my name

nisiprius, please have my posts timestamped one year earlier than actual. I want to win that stock market prediction competition thingy.
I am with Bob but just one day so I can get the lotto
by badbreath
Fri Dec 29, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Robinhood
Replies: 4
Views: 647

Re: Robinhood

by badbreath
Fri Dec 29, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Investing in Vanguard funds via Fidelity
Replies: 11
Views: 1048

Re: Investing in Vanguard funds via Fidelity

If you use Fido to buy Vanguard the ETFs are the way to go. I am pretty sure you can not buy Admiral shares from Fido.
by badbreath
Fri Dec 29, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: The Growing Peril of Index Funds: Too Much Tech
Replies: 67
Views: 5663

Re: The Growing Peril of Index Funds: Too Much Tech

I could not read the article but I get the general idea that index hold to much tech. I went and looked at Fido Contrafund a nice active fund and what are the top holdings. Top 10 Holdings AS OF 9/30/2017 36.82% of Total Portfolio FB FACEBOOK INC A BRK/A BERKSHIRE HATHAWAY INC CL A AMZN AMAZON.COM I...