Search found 474 matches

by badbreath
Sun Sep 24, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Move 401(k) to IRA after retirement?
Replies: 27
Views: 1605

Re: Move 401(k) to IRA after retirement?

Yes that is a good plan just leave your money in the old 401k. It may be a advantage down the road also if you plan on converting IRAs to Roths.
by badbreath
Fri Sep 22, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Needing a little guidance!
Replies: 16
Views: 1275

Re: Needing a little guidance!

I agree with alot of the above you should also read

https://www.etf.com/docs/IfYouCan.pdf
by badbreath
Fri Sep 22, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: can I rely solely on the value of my home to retire?
Replies: 25
Views: 2556

Re: can I rely solely on the value of my home to retire?

I dont think its a good idea. I don't even put my house value in my net worth, have to live somewhere.
by badbreath
Wed Sep 20, 2017 10:21 pm
Forum: Personal Consumer Issues
Topic: Chest freezers
Replies: 15
Views: 1411

Re: Chest freezers

Kenmore = Hire. if you like a cheap Chinese brand, great.
by badbreath
Wed Sep 20, 2017 9:34 pm
Forum: Investing - Theory, News & General
Topic: Any "average Joe" here actually make out well with individual stocks?
Replies: 90
Views: 8506

Re: Any "average Joe" here actually make out well with individual stocks?

The company I work for offers a DRIP plan to buy their stock. 25 years ago the stock in the $30s so I thought lets put $50 a month into this maybe for kids collage, vacation. I keep on investing and now it's about 330 shares and the stock now is in the $180s. It's a good chunk of change but still on...
by badbreath
Wed Sep 20, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Chest freezers
Replies: 15
Views: 1411

Re: Chest freezers

No, to small to be frost free. You have to get into the 14' or bigger to be frost free.
by badbreath
Wed Sep 20, 2017 8:36 pm
Forum: Personal Consumer Issues
Topic: Laying sod... too late in the year?
Replies: 12
Views: 1240

Re: Laying sod... too late in the year?

No, now is the perfect time to sod or seed. Cooler nights, a bit more rain but still a lot of sunny days.
by badbreath
Wed Sep 20, 2017 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Russell 3000 Index Fund [offered at Vanguard?]
Replies: 8
Views: 569

Re: Russell 3000 Index Fund [offered at Vanguard?]

I know that you can buy the Vanguard Russell 3000 EFT (VTHR) - I have to play with the ETF filter to find them. However, the only related index fund I could find on the Vanguard site was Institutional class (VRTTX) with a $5,000,000 minimum... :shock:
Do you see the minimum as a issue?
by badbreath
Mon Sep 18, 2017 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: 24F Looking to start an aggressive portfolio
Replies: 31
Views: 2334

Re: 24F Looking to start an aggressive portfolio

Just starting and at 24 yo I would just put it all in VTI and build it up till your 30 then think about the other funds. Even then you still may want to just keep it in VTI for a bit longer. You may want to read this which he is talking to his daughter about investing http://jlcollinsnh.com/stock-se...
by badbreath
Thu Sep 14, 2017 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Badly Needed---Meeting with Financial Advisor
Replies: 49
Views: 3820

Re: Advice Badly Needed---Meeting with Financial Advisor

I would also ask him if he know about the up and coming fiduciary rules and if he thinks this would fit into that type of investment (which it will not). I would also tell exactly what you posted to your 403b administrator exactly what you told us and show this thread to get him fired.
by badbreath
Thu Sep 14, 2017 9:54 pm
Forum: Personal Finance (Not Investing)
Topic: Have X times your salary saved by age Y.
Replies: 60
Views: 6047

Re: Have X times your salary saved by age Y.

here is what financial samurai says but I think he is on the high side.

https://www.financialsamurai.com/how-mu ... rent-ages/
by badbreath
Wed Sep 13, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Laying sod... too late in the year?
Replies: 12
Views: 1240

Re: Laying sod... too late in the year?

now is a good time to lay it. cooler weather more rain should work.
by badbreath
Tue Sep 12, 2017 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: How to allocate between 401k with expensive fees + Vangaurd
Replies: 32
Views: 1619

Re: How to allocate between 401k with expensive fees + Vangaurd

At your age I would just use the

FID 500 INDEX INST (FXSIX)02/17/1988 0.03%
by badbreath
Mon Sep 11, 2017 11:47 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz: "Who Should Inherit Your IRA?"
Replies: 5
Views: 1353

Re: Christine Benz: "Who Should Inherit Your IRA?"

this I agree with but still this should not be done
the Fed wants to obtain more tax revenue sooner
Similar to the conversation of moving all contributions from 401ks to Roth IRAs

http://tonyisola.com/2017/04/congresss- ... t-savings/
by badbreath
Mon Sep 11, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why doesn't my Vanguard 403(b) have a total stock index?
Replies: 9
Views: 679

Re: Why doesn't my Vanguard 403(b) have a total stock index?

Domestic stocks
Vanguard Institutional Index Fund Institutional Shares
Vanguard Mid-Cap Index Fund Institutional Shares
Vanguard Small-Cap Index Fund Institutional Shares
That is the total stock market.
by badbreath
Mon Sep 11, 2017 10:35 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz: "Who Should Inherit Your IRA?"
Replies: 5
Views: 1353

Re: Christine Benz: "Who Should Inherit Your IRA?"

Finally, it's worth noting that the future of the "stretch IRA" is in question, given that so few individuals take advantage of it.
Is this true? The stretch is what I am doing with my Inherited IRA and is working well, up 25K even after taking the RMD's.
by badbreath
Mon Sep 11, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: New Vanguard 401K
Replies: 5
Views: 496

Re: New Vanguard 401K

what odd funds you have. Anyway I agree the target date would be best but pick one you are comfortable with. Look at what is inside the founds and pick which one you agree with the stock bound split for your portfolio.
by badbreath
Sun Sep 10, 2017 8:20 am
Forum: Investing - Help with Personal Investments
Topic: "Today's Change" and "Estimated Income" on Vanguard?
Replies: 10
Views: 942

Re: "Today's Change" and "Estimated Income" on Vanguard?

Most likely Vanguard thinks you and I are in it for the long term not for day trading so why give a daily number.

Projected income, Vanguard and my crystal ball is a bit opaque so I cant tell
by badbreath
Sun Sep 10, 2017 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Preparing To Adjust 401k To Three-Fund Portfolio
Replies: 11
Views: 910

Re: Preparing To Adjust 401k To Three-Fund Portfolio

I would be using

SSgA S&P 500 Index Ret Opt (TEIF), [ER=0.90] 80%
Transamerica Partners Core Bond Ret Opt (TCB), [ER= 0.93] 20%

Very high ERs but the best of what you got. Sometimes you have to hold your nose and invest.
by badbreath
Sat Sep 09, 2017 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: Why Total Stock Market vs. Extended Market?
Replies: 20
Views: 3012

Re: Why Total Stock Market vs. Extended Market?

to me it is a complement to the S&P 500 which gives you the Total stock market which it even says in the description of the fund. This fund offers investors a low-cost way to gain broad exposure to U.S. mid- and small-capitalization stocks in one fund. The fund invests in about 3,000 stocks, which s...
by badbreath
Sat Sep 09, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Flood Insurance when not in flood plain?
Replies: 39
Views: 3266

Re: Flood Insurance when not in flood plain?

Funny thing happened to the house I grew up in. Out of the blue my dad go t a letter that said he was in a flood zone and would need to get flood insurance. We think they were looking at a Google type map which would show a river very close to our house but did not show elevation of about 50-60 feet...
by badbreath
Sat Sep 09, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Thought on including this in net equity calculations
Replies: 7
Views: 492

Re: Thought on including this in net equity calculations

I would not count it until it is actually in his name.
by badbreath
Fri Sep 08, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: Ideas to use a large flat space in yard
Replies: 26
Views: 2734

Re: Ideas to use a large flat space in yard

Helicopter landing pad
by badbreath
Fri Sep 08, 2017 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Question Re: Max 401K Contribution
Replies: 28
Views: 1998

Re: Question Re: Max 401K Contribution

you may want to ask this over at

http://www.fairmark.com/forum/

to get a second opinion
by badbreath
Thu Sep 07, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: 1st time Portfolio Review
Replies: 8
Views: 803

Re: 1st time Portfolio Review

You are doing something that I really do not like in a portfolio. You have target date funds mixed with non target date funds, pick one or the other not both. One (TDF) you never have to rebalance with a mix it makes it really hard to rebalance. you also have bonds in your taxable. I would move (adj...
by badbreath
Wed Sep 06, 2017 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Don't know where to start at all
Replies: 21
Views: 1694

Re: Don't know where to start at all

take a look at this it may help

http://jlcollinsnh.com/stock-series/

I think you are in a good position to to Roths at this point in time
by badbreath
Wed Sep 06, 2017 8:14 pm
Forum: Investing - Theory, News & General
Topic: The Emerging Markets "lost decade" is over
Replies: 52
Views: 5417

Re: The Emerging Markets "lost decade" is over

So does this mean I should rush into emerging markets. Na I will just stay the course.
by badbreath
Tue Sep 05, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Looking at shares rather than dollars?
Replies: 10
Views: 1192

Re: Looking at shares rather than dollars?

This Google spreadsheet from the Dough roller tracks your shares but puts in the current price of the share automaticly

http://www.doughroller.net/investing/an ... readsheet/
by badbreath
Mon Sep 04, 2017 11:19 pm
Forum: Personal Consumer Issues
Topic: Car for work
Replies: 31
Views: 2450

Re: Car for work

look into a 2014 Mazda CX5 good ride and head room.
by badbreath
Mon Sep 04, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Four Fund Portfolio including IRA - Need help
Replies: 4
Views: 497

Re: Four Fund Portfolio including IRA - Need help

two things 1. I would not put bonds into a taxable account since it is tax inefficient. See this www.bogleheads.org/wiki/Tax-efficient_fund_placement 2. To get a better response it would be better to show your whole portfolio and for you to think of it as one portfolio. You show what you have in you...
by badbreath
Sun Sep 03, 2017 9:21 pm
Forum: Investing - Theory, News & General
Topic: Why can't the future of stocks be predicted
Replies: 61
Views: 3220

Re: Why can't the future of stocks be predicted

historically it has gone up so maybe up. But it could go sideways line Japan or it could go down like 30s or 08,09. that's my prediction
by badbreath
Sun Sep 03, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Couple in early 30s, any changes?
Replies: 28
Views: 3772

Re: Couple in early 30s, any changes?

Yes I agree with the above no bonds in taxable. Read this

www.bogleheads.org/wiki/Tax-efficient_fund_placement
by badbreath
Sun Sep 03, 2017 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for advice on portfolio restructuring
Replies: 4
Views: 426

Re: Looking for advice on portfolio restructuring

I agree with the questions above but I will attempt to simplify your holdings. Note I said holdings since I do not know what else is available to you. This is what I would do if I had what you have invested in but you can do whatever you like (and it looks like you have). His 401K (about 390K) Vangu...
by badbreath
Sun Sep 03, 2017 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k Help with Options
Replies: 6
Views: 509

Re: New 401k Help with Options

Yes the S&P500 option(BSPIX) and Russell 2000 small cap(MDSKX) would be good choices. It would be sorta like a total stock market. One thing you want to do is roll your old 401k eather in the new employee account or just do a rollover to get a lower fee on a S&P fund. I have a hard time with them ch...
by badbreath
Sat Sep 02, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Upcoming 2017 changes to Vanguard REIT fund(s)
Replies: 23
Views: 4132

Re: Upcoming 2017 changes to Vanguard REIT fund(s)

tibbitts I've been searching for a Boglehead post(s) discussing the upcoming significant changes to Vanguard's REIT index fund, and introduction of the new Vanguard REIT II index fund (for those Bogleheads with $100MM to devote to retaining their current REIT exposure, apparently) but haven't found...
by badbreath
Sat Sep 02, 2017 1:19 pm
Forum: Investing - Theory, News & General
Topic: Taxable account, all about retirement
Replies: 23
Views: 2727

Re: Taxable account, all about retirement

My wife and I will be fortunate to pay off our mortgage shortly and been thinking about investing that payment into a taxable account. We view the taxable account as potential pre-retirement spending although nothing specific planned. We are also and thinking it should have a more conservative AA t...
by badbreath
Fri Sep 01, 2017 11:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft? Was The Woodlands Flooded
Replies: 36
Views: 5914

Re: Where is Livesoft? Was The Woodlands Flooded

Good to hear you are doing well. My two cents seems overall much better handled than Katrina.
by badbreath
Fri Sep 01, 2017 9:27 pm
Forum: Personal Consumer Issues
Topic: Driving a car [in] Italy, any suggestion?
Replies: 47
Views: 2972

Re: Driving a car [in] Italy, any suggestion?

I would do one other thing that I have not seen posted. Inspect the entire exterior of the the car before you even get into it. If you see any scratches, dents, dings go back into the office and tell them and asked for a written report. This can help cover you from being charged for them.
by badbreath
Thu Aug 31, 2017 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: DODFX - Dodge & Cox International
Replies: 20
Views: 2142

Re: DODFX - Dodge & Cox International

Mr Bogle and I like the Doge & Cox funds. I would just let it ride in the fund you have.
by badbreath
Thu Aug 31, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs. Black Rock
Replies: 10
Views: 982

Re: Vanguard vs. Black Rock

I would just use the TR fund and forget about it.
by badbreath
Thu Aug 31, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Facing a setback
Replies: 19
Views: 2062

Re: Facing a setback

Get a new tire from the shop 1. buy two or three quarts of oil put some in and get some more bids on the oil pan.

Or just use your emergency fund for a emergency.
by badbreath
Thu Aug 31, 2017 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement saving working for startup
Replies: 4
Views: 402

Re: Retirement saving working for startup

alan123 Okay that all makes sense. One thing I forgot to mention is that my 401(k) from Prudential is a combination of Roth and Traditional (I switched to Roth when they started offering it), so I've learned that I'm going to have to open two IRAs with Vanguard, correct? I guess I would have had to...
by badbreath
Thu Aug 31, 2017 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement saving working for startup
Replies: 4
Views: 402

Re: Retirement saving working for startup

Put at least $5500 in a Roth IRA. You most likely want to roll over the old 401k to Vanguard to get a less expensive funds.
by badbreath
Thu Aug 31, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Our Family FI Plan for Your Critique
Replies: 26
Views: 2349

Re: Our Family FI Plan for Your Critique

Since you mention liking JL Collin, did you read his thoughts on debt?

http://jlcollinsnh.com/2015/03/26/stock ... le-burden/

He basically says get out of debt then invest.
by badbreath
Wed Aug 30, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: RE: Investing in Taxable account
Replies: 16
Views: 2418

Re: RE: Investing in Taxable account

I hope you did read the wiki, it does not seem so with your question. Basicly look at your portfolio as a whole not as separate buckets. You want to keep bonds in a tax deferred account because of. investors see bonds or bond funds as tax-inefficient because almost all of the return comes from the d...