Search found 384 matches

by badbreath
Tue Jul 25, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: One fund to put 100k taxable in?
Replies: 8
Views: 605

Re: One fund to put 100k taxable in?

I would suggest VSCGX LifeStrategy Conservative Growth Fund or a target date of her liking.
by badbreath
Mon Jul 24, 2017 10:12 pm
Forum: Investing - Theory, News & General
Topic: "At Midyear, Vanguard on Pace to Break 2016 Inflows"
Replies: 6
Views: 765

Re: "At Midyear, Vanguard on Pace to Break 2016 Inflows"

The guy also does not talk about the amount of folks they are hiring to alleviate some of the customer service issues.
by badbreath
Sun Jul 23, 2017 6:24 pm
Forum: Personal Consumer Issues
Topic: Suggestions for Lyon, France?
Replies: 17
Views: 678

Re: Suggestions for Lyon, France?

Stop a few of the Calvados tasting places while in the Normandy area.
by badbreath
Sat Jul 22, 2017 10:42 pm
Forum: Investing - Help with Personal Investments
Topic: $725,000 Portfolio Review and Suggestions
Replies: 15
Views: 2535

Re: $725,000 Portfolio Review and Suggestions

You can not do a spousal tIRA pre tax. It has already been taxed so the conversion to Roth.
by badbreath
Sat Jul 22, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: $725,000 Portfolio Review and Suggestions
Replies: 15
Views: 2535

Re: $725,000 Portfolio Review and Suggestions

by billfromct How come you don't fund a Roth IRA for your spouse as well? It looks like you need some tax diversification (Roth accounts) in your retirement savings. You can start her Roth IRA this year based on your income. She doesn't need earned income as long as you have earned income to cover ...
by badbreath
Fri Jul 21, 2017 7:05 pm
Forum: Personal Consumer Issues
Topic: Sears appliances from Amazon
Replies: 11
Views: 1141

Re: Sears appliances from Amazon

Come on, think of this as a chess game and need to be two steps ahead. Amazon just bought whole foods and wants you to do a subscription to home delivery of food. Some things need to be refrigerated so Amazon will add in a fridge ($ cost for the fridge in the subscription) that can go in your garage...
by badbreath
Fri Jul 21, 2017 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: Young invester- building my portfolio
Replies: 12
Views: 917

Re: Young invester- building my portfolio

by ThrustVectoring You're 23 and have $20k invested. 100% equities is fine. I have a small preference for VTSAX - basically the same thing, except it's ~3600 of the largest US stocks instead of choosing the top ~500. I agree with TV VTSAX is a bit better, but not much. My two kids who are around yo...
by badbreath
Tue Jul 18, 2017 12:14 am
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 27
Views: 2767

Re: Good Service for Flagship Investors

I rarely call Vanguard as it seems I can do most things online. But I did get a note card from them thanking me for for investing a large amount with them (not kidding got a thank you note).
by badbreath
Mon Jul 17, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Why Not REIT's?
Replies: 47
Views: 4344

Re: Why Not REIT's?

Read this from the jlcollinsnh stock series

http://jlcollinsnh.com/2014/05/27/stock ... rom-reits/

May change your mind
by badbreath
Mon Jul 17, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Does mower brand matter much if they're all Briggs & Stratton engines?
Replies: 58
Views: 5015

Re: Does mower brand matter much if they're all Briggs & Stratton engines?

Going to give you a tip MTD makes about 90% of the push or walk behind mowers. They due have different designs for different brands.
by badbreath
Sun Jul 16, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help! no access to 401k
Replies: 11
Views: 930

Re: Help! no access to 401k

One other option is a taxable account which has no limitations on investment.

www.bogleheads.org/wiki/Tax-efficient_fund_placement
by badbreath
Sun Jul 16, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Rent or Buy in Las Cruces, NM
Replies: 12
Views: 1196

Re: Rent or Buy in Las Cruces, NM

with only 3 years it would be renting for me
by badbreath
Sun Jul 16, 2017 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Can my wife and I afford to retire in one year with our portfolio, pension, social security
Replies: 41
Views: 3681

Re: Can my wife and I afford to retire in one year with our portfolio, pension, social security

You should fold the majority of your 401k into Total Stock Market Index Fund and International Stock Mkt Index and some into a bond fund which I do not see. Then look at the total portfolio yours and the wife's and decide the proper asset allocation for both combined to make one portfolio.
by badbreath
Sun Jul 16, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Buckley will succeed McNab as Vanguard CEO at year end
Replies: 32
Views: 3611

Re: Buckley will succeed McNab as Vanguard CEO at year end

Not really a good question and answer but here is 5 question to Buckley from Vanguard

https://advisors.vanguard.com/VGApp/iip ... ws071317_3
by badbreath
Sat Jul 15, 2017 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Annuities - clueless
Replies: 16
Views: 1599

Re: Annuities - clueless

I would also look at Vanguard Annuities and talk to them and see what they offer.

https://investor.vanguard.com/annuity/
by badbreath
Fri Jul 14, 2017 8:05 pm
Forum: Personal Finance (Not Investing)
Topic: Cheap source for basic will
Replies: 34
Views: 2156

Re: Cheap source for basic will

you may want to look at

http://www.gyst.com

He has reviews on three or four on line preparar
by badbreath
Fri Jul 14, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 151
Views: 14572

Re: How are folks handling the unprecedented rise in the market ?

I don't know what to say. I consistently invested during the 08 downturn but I was buying stock very cheap. The cheap stock now is worth a lot more . Now that the stocks are much higher I still buy consistently.

Steady buying more when low, buy less when high and stay the course leads to more $$
by badbreath
Wed Jul 12, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 6705

Re: Do you consider business travel to be a perk or a burden?

With the Megacorps I have worked for I have been sent to every state except 4. (Alaska, Hawaii, New Mexico, Idaho) Also 15+ foreign countries, I was in China last month. It use to be so bad that the workers at the airport knew my name. Do I like the travel, no. But once I get there I like the experi...
by badbreath
Mon Jul 10, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 5218

Re: Thoughts on individual dividend investing?

the only person I know who got rich off of dividend stock picks is Dividend Mantra who sold his website.
by badbreath
Sun Jul 09, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?
Replies: 23
Views: 1079

Re: How much lag behind the DOW/SP500 is acceptable in a well constructed portfolio?

I read this somewhere and don't know who said it but I like the idea

If you are not losing in one of your funds you are not well diversified
by badbreath
Sun Jul 09, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 57
Views: 4396

Re: Dave Ramsey's advice on investing?

neveragain wrote: I wonder how much longer investment brokers will continue to be able to sell loaded mutual funds to the public and charge AUM fees? Eventually, a large percentage of the investing population is going to wise up and refuse these services. Just how much longer can such an expensive ...
by badbreath
Sun Jul 09, 2017 5:36 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's advice on investing?
Replies: 57
Views: 4396

Re: Dave Ramsey's advice on investing?

When Dave does talk about how he invest a lot of his money (which is not very often) he uses the S&P 500 index fund, surprise!!!
by badbreath
Sun Jul 09, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is the only way to see what people make in business to ask them?
Replies: 12
Views: 1495

Re: Is the only way to see what people make in business to ask them?

No, you could become the owner then you would know.
by badbreath
Sun Jul 09, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put 65k cash
Replies: 64
Views: 4975

Re: Where to put 65k cash

OP you may want to read this on tax efficient funds

https://www.bogleheads.org/wiki/Tax-eff ... _placement
by badbreath
Sun Jul 09, 2017 12:41 am
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio
Replies: 2
Views: 156

Re: 401k Portfolio

Yes you are good to go at 80/20. Look into the white coat investor web signt since he is a doc and giving very good advice
by badbreath
Sat Jul 08, 2017 11:55 pm
Forum: Investing - Help with Personal Investments
Topic: New member asking about initial portfolio choices
Replies: 18
Views: 1689

Re: New member with no direction

mhalley Investing does not end when you reach age 65. You could conceivably live for 30 years after that. Even in your 80's you should have at least 30% of your portfolio in the stock market. I plan on staying 50/50 throughout mine. You should come up with an asset allocation you can live with (may...
by badbreath
Wed Jul 05, 2017 4:47 pm
Forum: Personal Consumer Issues
Topic: Range advice (for kitchen)
Replies: 9
Views: 521

Re: Range advice (for kitchen)

Look at Kitchenaid they have a good rep offer dual fuel in slide ins and made in the USA
by badbreath
Mon Jul 03, 2017 7:47 pm
Forum: Personal Consumer Issues
Topic: $25 million reserve- conservative ways to invest
Replies: 9
Views: 1321

Re: $25 million reserve- conservative ways to invest

I don't know anything about this but I would think you would also need to look at CDs and a CD ladders. It would be safe and give out a small amount more then a regular account.
by badbreath
Mon Jul 03, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Help a 21 y/o Vanguard Investor with a Taxable Account
Replies: 55
Views: 3100

Re: Help a 21 y/o Vangaurd Investor with a Taxable Account

I keep on seeing you want to stay at 10% for your 401 K contribution but as you get a yearly pay adjustment just adjust the percentage up by 1/2 of the adjustment. That way you really do not see it and you will eventually max it out
by badbreath
Mon Jul 03, 2017 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Permanent Portfolio
Replies: 14
Views: 804

Re: Permanent Portfolio

I would look at this from Portfolio Charts

https://portfoliocharts.com/portfolio/p ... portfolio/

And then compare to 60/40

https://portfoliocharts.com/portfolio/classic-60-40/

To me it looks like 60/40 did better
by badbreath
Mon Jul 03, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Desperately seeking investment advice
Replies: 4
Views: 561

Re: Desperately seeking investment advice

Fidelity1 401k (Old) 16% FFTHX FID FREEDOM 2035 0.75% Fidelity2 401k (Old) 3% JPMCB Disciplined Equity Fund CF Class 0.33% 1.2% Vanguard Target Retirement 2035 Trust I 0.07% 0.6% HAOYX The Hartford International Opportunities Fund Class Y 0.79% 1.3% VSMPX VANG TOT STK MKT IP 0.02% T. Rowe Price 401...
by badbreath
Sun Jul 02, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Donate shares or cash to charity?
Replies: 19
Views: 1126

Re: Donate shares or cash to charity?

set up a Vanguard charitable donor fund give them your stock and tell them where you what the money to go to. This is what I plan on doing with some stray stock that I own. https://www.vanguardcharitable.org/ They were also recently interviewed on Dough Roller episode 275 http://www.doughroller.net/...
by badbreath
Sat Jul 01, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: When, if ever, does it make sense to cease contributing the 401K max?
Replies: 40
Views: 5245

Re: When, if ever, does it make sense to cease contributing the 401K max?

njfastlife for instance, me being 30 years old and playing catch up in my 401K (currently have $60K between 401K and ROTH IRA) but wanting to start saving for a house downpayment. seems to me, unless my salary increases relatively substantially, at some point i might need to bite the bullet and rat...
by badbreath
Sat Jul 01, 2017 4:47 pm
Forum: Investing - Theory, News & General
Topic: When Did You Start Investing Your Own Money?
Replies: 47
Views: 3058

Re: When Did You Start Investing Your Own Money?

At about 24 when I got my first job out of college. They offered a 401K with a 10% match at the time I thought free money
by badbreath
Sat Jul 01, 2017 7:26 am
Forum: Investing - Help with Personal Investments
Topic: Late start to retirement planning
Replies: 4
Views: 457

Re: Late start to retirement planning

just invest it in a Roth IRA
by badbreath
Fri Jun 30, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: Buying a dishwasher
Replies: 46
Views: 2445

Re: Buying a dishwasher

Look at a Kitchenaid since they invented the dishwasher.
by badbreath
Wed Jun 28, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Best cars for multiple kids
Replies: 51
Views: 3101

Re: Best cars for multiple kids

Mazda CX9, It has three rows of seats and drives great
by badbreath
Tue Jun 27, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: advice on how to invest inheritance wisely
Replies: 12
Views: 1134

Re: advice on how to invest inheritance wisely

letsgobobby » Tue Jun 27, 2017 8:14 pm My condolences. I understand what you're going through. Welcome to active posting life. Re: the inherited IRAs, you have until the end of 2018 to withdraw your dad's 2017 RMD. So no rush on that. You also have until Dec 31 2017 to withdraw your own 2017 RMD fr...
by badbreath
Tue Jun 27, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: Cruise With The Grandkids
Replies: 31
Views: 2137

Re: Cruise With The Grandkids

I did a Cruise out of Miami on canaveral with with two young kids for one week (7 and 9?). Key West did butterfly garden and a few other things , Cozumel Snorkeled, Belize Mayan ruins. They had a blast
by badbreath
Mon Jun 26, 2017 12:00 am
Forum: Personal Finance (Not Investing)
Topic: Just found out my wife is pregnant.
Replies: 15
Views: 2263

Re: Just found out my wife is pregnant.

jpa You mentioned Dave Ramsey in your post....nothing wrong with just continuing to follow the baby steps. finish #2 (paying off debt) and then move right on to #3 (3-6 month emergency fund). After that, contribute 15% to retirement. Dave has bad mutual fund advice, but his baby steps are good guid...
by badbreath
Sun Jun 25, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: Two Podcasts -- Good?
Replies: 9
Views: 974

Re: Two Podcasts -- Good?

I also like Stacking Benjamins and agree with Dough Roller.
by badbreath
Sun Jun 25, 2017 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Keeping track of a taxable account
Replies: 15
Views: 1347

Re: Keeping track of a taxable account

I look at my portfolio as one portfolio in taxable and tax deferred. In my tax deferred I have bonds and a S&P 500 fund so I can rebalance the assets as needed. In my taxable I have total stock and ex US foreign so that I can rebalance and TLH if needed.
by badbreath
Sat Jun 24, 2017 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: 58 years old and laid off seeking advices
Replies: 43
Views: 5565

Re: 58 years old and laid off seeking advices

You're good to go, just pay attention to the taxes.
by badbreath
Wed Jun 21, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking about changing portfolio model
Replies: 6
Views: 499

Re: Thinking about changing portfolio model

It is modeled in Portfolio Charts and from looking at the results I would be thinking of a three fund also.

portfoliocharts.com/portfolio/7twelve-portfolio/
by badbreath
Tue Jun 20, 2017 8:40 pm
Forum: Investing - Theory, News & General
Topic: "Waiting for the Market to Crash is a Terrible Strategy"
Replies: 27
Views: 4523

Re: "Waiting for the Market to Crash is a Terrible Strategy"

In 08, 09 the thought of selling never came across my mind. I remember looking at statements and saying that looks really bad but still keep putting money in the market.
by badbreath
Mon Jun 19, 2017 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with extra money?
Replies: 4
Views: 611

Re: What to do with extra money?

Think about putting it into a Roth IRA first ($5500) then taxable. In a taxable use a Total Stock fund, Very tax efficient.
by badbreath
Mon Jun 19, 2017 10:47 pm
Forum: Investing - Theory, News & General
Topic: Market Monitoring -- Best Practices?
Replies: 33
Views: 1502

Re: Market Monitoring -- Best Practices?

I look at my account at the end of the quarter and put the numbers in my Excel spreadsheet to see what I have done. It may have gone up, may have gone down, may have gone sideways hit save wait for next quarter. The only odd time I look at the account is the 4th of July, that's when I rebalance (Ind...
by badbreath
Mon Jun 19, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: 28, Single, No Debt, Seeking Portfolio Advice
Replies: 22
Views: 2869

Re: 28, Single, No Debt, Seeking Portfolio Advice

Your HSA should be more aggressive then bounds. I would put VANGUARD INSTITUTIONAL INDEX INSTL PL (VIIIX) (0.02% in it

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