Search found 294 matches

by blaugranamd
Tue Feb 28, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Picking funds (aggressive)
Replies: 10
Views: 931

Re: Picking funds (aggressive)

Sounds like a good plan. I haven't seen international stocks as part of your plan. Just in case it's not clear, Total Stock Market should be called Total Domestic Stock Market. It's a matter of preference and some will advocate for an entirely US-based portfolio. Here's a little efficient horizon fo...
by blaugranamd
Tue Feb 28, 2017 8:07 am
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 51
Views: 2312

Re: Outdoor grill: gas or electric?

+1. I'm a charcoal purist as well. I'm not sure I would use the words charcoal and purist in the same sentence, especially if referring to briquettes, self-igniting charcoal or lighter fluids just for the extra chemicals/substances they contain. No, never self-igniting charcoal and never lighter fl...
by blaugranamd
Mon Feb 27, 2017 6:04 pm
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 51
Views: 2312

Re: Outdoor grill: gas or electric?

+1. I'm a charcoal purist as well. I'm not sure I would use the words charcoal and purist in the same sentence, especially if referring to briquettes, self-igniting charcoal or lighter fluids just for the extra chemicals/substances they contain. http://images.dpchallenge.com/images_portfolio/0-4999...
by blaugranamd
Mon Feb 27, 2017 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4574

Re: Should we wait before buying in?

These OP's had similar concerns. I wonder if they're still waiting for the right time to invest. May, 2013: Anyone still waiting for a market dip before investing? November, 2013: Advice: Should I invest when Stocks are at all time high May, 2014: Wait to invest since stocks are high? March, 2015: ...
by blaugranamd
Mon Feb 27, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4574

Re: Should we wait before buying in?

Ginnysky, it has been my observation, and can be seen in your own thread here, that this forum is dominated by people who favor the "lump sum" approach. Or, people who may suggest something like "put half of it in now, and spread the other half over several months." At the same ...
by blaugranamd
Mon Feb 27, 2017 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?
Replies: 31
Views: 3552

Re: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?

I don't think that having money invested every 2 weeks is any problem at all. I think quarterly is not often enough if the money is just going to sit in cash. I think that buying at the end of a RBD or "worst day" is not a bad thing to do as well. Agreed, nothing wrong with frequent inves...
by blaugranamd
Mon Feb 27, 2017 11:48 am
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 51
Views: 2312

Re: Outdoor grill: gas or electric?

Neither! I have been all charcoal since 2000 and have never regretted it. Love the taste and getting a uniform or controlled heat is never a problem with a Portable Kitchen Grill. The nice thing about it is the unit is very stingy on charcoal. You can often use the same charcoal twice and sometimes...
by blaugranamd
Mon Feb 27, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4574

Re: Should we wait before buying in?

"If investors are leery of putting all their money in the market, then they have the wrong asset allocation." Why do people keep saying this? It is not true! I am happy and comfortable with my 60/40, but I am not adding money to this market right now because I believe there is much greate...
by blaugranamd
Mon Feb 27, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: How to Rebalance with Rate Hikes Looming
Replies: 44
Views: 8030

Re: How to Rebalance with Rate Hikes Looming

You are not rebalancing, you are trying to time the bond market. Stop. If your AA is beyond your rebalancing bands that you have already set up then rebalance according to your investment plan. If you don't already have a plan for rebalancing that doesn't take any market factors into account then yo...
by blaugranamd
Mon Feb 27, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?
Replies: 31
Views: 3552

Re: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?

Just maxed out 2017 contributions for the Roth IRA, thanks guys. As far as the taxable account, I'm re-reading the Wiki. From what I'm gathering so far, the advantage of not reinvesting dividends now is to make taxes easier when I begin withdrawals. A monthly auto deposit would further complicate t...
by blaugranamd
Mon Feb 27, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?
Replies: 31
Views: 3552

Re: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?

It is no sin to buy an investor share class Vanguard fund. A few people on the forum have reported this boglehead disease of going for the lowest expense ratio while avoiding the easier solution of an investor share class fund. I don't know what exactly has gotten into their brains. I totally agree...
by blaugranamd
Mon Feb 27, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?
Replies: 31
Views: 3552

Re: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?

Just maxed out 2017 contributions for the Roth IRA, thanks guys. As far as the taxable account, I'm re-reading the Wiki. From what I'm gathering so far, the advantage of not reinvesting dividends now is to make taxes easier when I begin withdrawals. A monthly auto deposit would further complicate t...
by blaugranamd
Mon Feb 27, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?
Replies: 31
Views: 3552

Re: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?

1. Yes borrow, but read the Wiki page on ROTH IRA as emergency fund first, what you are proposing to do is exactly the situation it refers to. IMO all in IRA ASAP if you can is the right move. https://www.bogleheads.org/wiki/Roth_IRA_as_an_emergency_fund Would this have also worked by funding the R...
by blaugranamd
Sun Feb 26, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Do Boglehead DIY or Pay a Professional?
Replies: 58
Views: 3267

Re: Do Boglehead DIY or Pay a Professional?

Depends on the time retirement, his important it is, and my ability. I used to do everything on my car from oil to struts, now it just was up too much time for something I don't enjoy. Landscaping, gardening, etc is something I enjoy do I do myself. Installing a new garbage disposal? Easy so DIY. Ne...
by blaugranamd
Sun Feb 26, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4574

Re: Should we wait before buying in?

These OP's had similar concerns. I wonder if they're still waiting for the right time to invest. May, 2013: Anyone still waiting for a market dip before investing? November, 2013: Advice: Should I invest when Stocks are at all time high May, 2014: Wait to invest since stocks are high? March, 2015: ...
by blaugranamd
Sun Feb 26, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?
Replies: 31
Views: 3552

Re: "Borrow" $5500 from Emergency Fund to Qualify for Vanguard Admiral?

1. Yes borrow, but read the Wiki page on ROTH IRA as emergency fund first, what you are proposing to do is exactly the situation it refers to. IMO all in IRA ASAP if you can is the right move.

https://www.bogleheads.org/wiki/Roth_IR ... gency_fund
by blaugranamd
Sun Feb 26, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4574

Re: Should we wait before buying in?

We have nearly transferred all of our retirement funds to Vanguard, about $600K. Currently everything (but one stock) is in a Vanguard money market fund, prior to being invested per the plan Vanguard created for us a few months ago. I still think the plan is good, but I am concerned that are buying...
by blaugranamd
Sun Feb 26, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Have Fidelity account- adding Vanguard 3 fund plan- stay at Fidel
Replies: 31
Views: 1112

Re: Have Fidelity account- adding Vanguard 3 fund plan- stay at Fidel

There's an awful lot that goes into this decision that you haven't shared. We assume all this money is in taxable accounts, since there will be tax consequences, yes? 1. What account types are these (Taxable, IRA, Roth, etc) 2. What funds do you own and how bad are the expense ratios? 3. What's your...
by blaugranamd
Sun Feb 26, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: Technical Analysis
Replies: 36
Views: 1513

Re: Technical Analysis

Read "Random Walk Down Wall Street" sometime. :sharebeer
by blaugranamd
Sat Feb 25, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4574

Re: Should we wait before buying in?

University of Michigan Professor H. Nejat Seyhun analyzed 7,802 trading days for the 31 years from 1963 to 1993 and concluded that just 90 days generated 95% of all the years' market gains — an average of just three days per year.1 The expected return of the market is essentially constant and posit...
by blaugranamd
Sat Feb 25, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Should we wait before buying in?
Replies: 52
Views: 4574

Re: Should we wait before buying in?

Missing the markets best days hurts most more than being in on the worst days. It is also true that missing the markets worst days helps more than being in on the best days. Yep, and being out of the market on the worst and in on the best days is the goal - now if only I could predict those in adva...
by blaugranamd
Sat Feb 25, 2017 2:10 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 158
Views: 10446

Re: What is your overall portfolio weighted expense ratio

How do you calculate "weighted expense ratio"? IE: Wellesley Income Fund ER .16 >>> $50,000 Balanced Index ER. .08 >>> $30,000 Total Stock ER. .05 >>> $2,000 Total Bond ER. .07 >>> $30,000 Calculated with this? Calculated without this? Mix CD,MM,Treasuries,etc. ER.0 $300,000 thanks for th...
by blaugranamd
Sat Feb 25, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 158
Views: 10446

Re: What is your overall portfolio weighted expense ratio

How do you calculate "weighted expense ratio"? IE: Wellesley Income Fund ER .16 >>> $50,000 Balanced Index ER. .08 >>> $30,000 Total Stock ER. .05 >>> $2,000 Total Bond ER. .07 >>> $30,000 Calculated with this? Calculated without this? Mix CD,MM,Treasuries,etc. ER.0 $300,000 thanks for th...
by blaugranamd
Sat Feb 25, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 158
Views: 10446

Re: What is your overall portfolio weighted expense ratio

0.051% before TSP ERs went up, now it's an insufferable 0.055%. Time to cash out :P

Fido TSM Premium 0.045%
Fido TISM Investor 0.18%
TSP C, S, I, G funds 0.038%
by blaugranamd
Sat Feb 25, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Is this a wash sale?
Replies: 6
Views: 385

Re: Is this a wash sale?

I think not. My understanding is you must repurchase a security within the time limit AFTER taking a tax loss. You're describing a scenario where you are buying then selling for a loss shortly afterward without any repurchase, so should not be a wash. I'm no expert in this though so don't take my wo...
by blaugranamd
Thu Feb 23, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 231
Views: 14026

Re: Extreme Valuations, and why you should reconsider

But in the end all of this is a fairly moot point yes? Humor a financially ignorant young'un for a moment: All stock market is is the buying and selling of stocks. When more humans want to buy then sell, prices go up, when more people want to sell then buy, prices go down. At it's most basic interpr...
by blaugranamd
Wed Feb 22, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 231
Views: 14026

Re: Extreme Valuations, and why you should reconsider

As someone who doesn't care to understand all these numbers I'll just say this: I'm thankful for all the poor folks who've followed this guy's advise and have been selling as this bull market has chugged along. They're the reason those of us who adhere to the Boglehead philosophy of invest we must, ...
by blaugranamd
Tue Feb 21, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: When to Jump In
Replies: 17
Views: 1383

Re: When to Jump In

We all had this debate in January about do you invest your IRA limit all at once or over the year? Here's what has happened so far: those of us who put it all in the beginning of the year have already gained nearly 4% in 2 months on our full IRA value of Total Stock Market money, everyone else only ...
by blaugranamd
Mon Feb 20, 2017 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice on girlfriend debt/finances
Replies: 82
Views: 6874

Re: Need advice on girlfriend debt/finances

Toons wrote:"She isn't much of a saver and never really has planned or budgeted"

Red flag.
Financial differences is at the top of the list of causes of divorce. :shock:


+1000
by blaugranamd
Sun Feb 19, 2017 9:37 pm
Forum: Personal Consumer Issues
Topic: Any reason to delay using Turbotax to file taxes?
Replies: 13
Views: 1508

Re: Any reason to delay using Turbotax to file taxes?

If you are military, have you tried using H&R Block software for free via militaryonesource.com? I've been doing my taxes through H&R Block software for free from militaryonesource for a few years now...then sometimes take it to the VITA tax volunteers on post for a second set of eyes. Inva...
by blaugranamd
Sun Feb 19, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Car windshield wipers - go cheap or better?
Replies: 40
Views: 3544

Re: Car windshield wipers - go cheap or better?

+1 for Rain-X Latitude, have a pair on my Subaru that have been on for about 3 years (and 3 winters) now and still perform well.

I was not impressed with the Michelin Stealth beam wipers when I tried them 5 years ago.
by blaugranamd
Sat Feb 18, 2017 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner opening Roth IRA for first time - Double up for 2016/2017 on VSMGX ($11,000)
Replies: 7
Views: 438

Re: Beginner opening Roth IRA for first time - Double up for 2016/2017 on VSMGX ($11,000)

GunLob757 wrote:...was I too eager in putting $11,000 into this fund right away?


No, my wife and I put a combined $11,000 into our two Roth IRAs at once in the beginning of January. Time will smooth out any dips. Think long-term and you've nothing to worry about.
by blaugranamd
Fri Feb 17, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: Munich,Germany- advice on things to not miss
Replies: 34
Views: 1503

Re: Munich,Germany- advice on things to not miss

Also fun is a drive along at least a part of the Deutsche Alpenstrasse if the road is open when you are there. http://www.deutsche-alpenstrasse.de/en/home/ Driving in Bavaria is easy and very scenic with mountains, villages, and farmland once off the autobahns. I agree, driving in Germany was very ...
by blaugranamd
Fri Feb 17, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Really Vanguard? 48 Cents?!
Replies: 40
Views: 4601

Re: Really Vanguard? 48 Cents?!

At 7% over 30 years this comes out to about $3.65 in today's dollars. I hope you have at least one friend at the end who is willing to spot you $4 right before you die to keep your final balance out of the red. 8-) :P All jokes aside, IMO, let it go. Better to be $0.48 under the contribution limit t...
by blaugranamd
Thu Feb 16, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: I want to ditch the cable company's modem
Replies: 51
Views: 3315

Re: I want to ditch the cable company's modem

https://www.amazon.com/TP-Link-DOCSIS-S ... B01CH8ZNJ0

Enjoy. I have this on TWC/Spectrum. Paying for 60/5, actually getting 70/6. Works great.
by blaugranamd
Mon Feb 13, 2017 10:54 am
Forum: Personal Consumer Issues
Topic: Munich,Germany- advice on things to not miss
Replies: 34
Views: 1503

Re: Munich,Germany- advise on things to not miss

Also, if you need a day or evening to relax, the Therme Spa in Bad Worishofen just west of Munich was great.

I forgot, see Dachau but be prepared, it was one of the most harrowing experiences I've had.
by blaugranamd
Mon Feb 13, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Munich,Germany- advice on things to not miss
Replies: 34
Views: 1503

Re: Munich,Germany- advise on things to not miss

BMW was fun, the Olympic village is walking distance from there as well. Marienplatz, the market, Asam Kirche was very different from other churches we visited in Europe. Neuschwanstein and Hoenschwangau are worth a visit. Rent a car and drive yourself, experience the Autobahn! It's actually not tha...
by blaugranamd
Sun Feb 12, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 14838

Re: Why do you go to restaurants?

Yesterday was my wife's birthday and we went to OUTBACK steak house with our younger son. We ordered steaks and lobsters and paid about $78. The steaks were over-cooked and were not as good as what my wife cooked at home. My wife likes to go to restaurants, mostly with her girlfriends, since I do n...
by blaugranamd
Fri Feb 10, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest- fear of crash
Replies: 58
Views: 4215

Re: When to invest- fear of crash

I have always felt like the market was about to crash. but feel that now (more than ever) we must be close to a peak, and I can’t pull the trigger to start buying. so in other words, your feelings have been wrong for the last 8+ years and have cost you a ton of money, but you continue to let those ...
by blaugranamd
Mon Feb 06, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: Theory on whether to go Roth 401k
Replies: 89
Views: 6654

Re: Theory on whether to go Roth 401k

While I do tend to agree with the general recommendations of Trad 401k. I think we often overlook "tax rate risk" in choosing the allocation of retirement accounts. While I understand what you are saying about "tax rate risk" you can't underestimate the other side of the coin wh...
by blaugranamd
Mon Feb 06, 2017 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Tiered E-fund question
Replies: 2
Views: 186

Tiered E-fund question

Howdy all. I've been reading a few threads and articles on having a tiered E-fund and I know there's about 1,000 different opinions (and have read many of them on here) on how to structure one and just wanted to see if my thoughts for ours was reasonable before I delve into something new, especially...
by blaugranamd
Sun Feb 05, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: How is a pure 100% taxable account income treated in retirement?
Replies: 24
Views: 2546

Re: How is a pure 100% taxable account income treated in retirement?

Marginal tax rate is the amount of tax cost increment divided by the amount of income increment when comparing the addition of a set of income items to some baseline income set. A simple example of that is adding $1 of ordinary income in which case if you are somewhere in an x% tax bracket, then th...
by blaugranamd
Sun Feb 05, 2017 11:09 am
Forum: Investing - Theory, News & General
Topic: How is a pure 100% taxable account income treated in retirement?
Replies: 24
Views: 2546

Re: How is a pure 100% taxable account income treated in retirement?

I think what's confusing is that your LTCG rate is based on your marginal rate. No, this is confusing you because it is not so. The LTCG tax rate is based on your taxable income relative to certain break points. Your marginal rate is a derived comparison between two different possible sets of incom...
by blaugranamd
Sun Feb 05, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: How is a pure 100% taxable account income treated in retirement?
Replies: 24
Views: 2546

Re: How is a pure 100% taxable account income treated in retirement?

livesoft wrote:Right, your taxes would be zero. But why wait for retirement to have ZERO income taxes?

ZERO taxes thread: viewtopic.php?t=87471


I'm simply using retirement as the example to avoid complicating things with employment income.
by blaugranamd
Sun Feb 05, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: How is a pure 100% taxable account income treated in retirement?
Replies: 24
Views: 2546

Re: How is a pure 100% taxable account income treated in retirement?

This may be of interests as it suggests order of withdrawals from various accounts. https://www.i-orp.com/ Yeah, I've read lot about the order of withdrawals, ie: RMDs, then taxable, etc. Just curious how this plays out practically in retirement. I assume then that the line 13 is ONLY the capital g...
by blaugranamd
Sun Feb 05, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: How is a pure 100% taxable account income treated in retirement?
Replies: 24
Views: 2546

Re: How is a pure 100% taxable account income treated in retirement?

IRS Publication 550 has all the info one needs. Dividends go on Form 1040 Line 9a. But any capital gains you realize will go on Form 1040 Line 13 and end up in your AGI and on the next page will end up after deductions and exemptions as Taxable Income. So NO, you don't have $0 in AGI (income). What...
by blaugranamd
Sun Feb 05, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: How is a pure 100% taxable account income treated in retirement?
Replies: 24
Views: 2546

How is a pure 100% taxable account income treated in retirement?

I've been looking for this answer all morning and can't seem to find the right answer. Maybe I'm just not searching appropriately: Assume you have a mix of Roth, Trad 401k, and taxable assets in retirement. You do not work and 100% of your funds will come from these accounts. If you withdraw purely ...
by blaugranamd
Sun Feb 05, 2017 10:12 am
Forum: Investing - Theory, News & General
Topic: Theory on whether to go Roth 401k
Replies: 89
Views: 6654

Re: Theory on whether to go Roth 401k

While I do tend to agree with the general recommendations of Trad 401k. I think we often overlook "tax rate risk" in choosing the allocation of retirement accounts. I know this is probably heresy up there with trying to predict future mutual fund returns, but a lot of the logic underlying ...

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