Search found 373 matches

by epictetus
Sun Sep 18, 2016 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Why do a target fund if the AA doesn't change for another 20-25 years?
Replies: 24
Views: 2090

Re: Why do a target fund if the AA doesn't change for another 20-25 years?

FFNOX maintains an 85/15 stock/bond ratio.

The Vanguard Target Date funds gradually become more conservative over time.

a better comparison to FFNOX would be the Vanguard Lifestrategy Growth fund (which maintains an 80/20 stock/bond ratio).
by epictetus
Sun Sep 11, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Downpayment Question
Replies: 21
Views: 1797

Re: Downpayment Question

my concern would be a 300,000 house on 87,000 salary the house value would be right at 3.5 times your salary if the roommate doesn't work out that might be a stretch to make the payments and have money left for anything else. we bought too much house for the amount of money we were making the first ...
by epictetus
Sun Sep 11, 2016 9:53 am
Forum: Investing - Help with Personal Investments
Topic: About to retire.Seeking advice for setting up IRA
Replies: 20
Views: 1393

Re: About to retire.Seeking advice for setting up IRA

the Vanguard Personal Advisory Service should be perfect for you for now. they can help you get your investments set up correctly. over time can decide whether to continue with the service or manage your investments yourself at Vanguard. you may decide that letting them manage it for you is worth th...
by epictetus
Sun Sep 11, 2016 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Three fund vs. four fund portfolio
Replies: 17
Views: 1886

Re: Three fund vs. four fund portfolio

i would encourage you to stay with your three-fund portfolio. it is a fine portfolio and you will have less opportunity to make behavioral mistakes that way. if you do decide to tilt to small-cap stocks make sure to read up on the discussion in this area. whatever plan you implement it is important ...
by epictetus
Sun Sep 04, 2016 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Should I sell taxable investment to pay down fiance's debt?
Replies: 32
Views: 1776

Re: Should I sell taxable investment to pay down fiance's debt?

is he as concerned as you are re: his debt? as best you can tell are you two on the same page re: financial priorities? he is making a lot of money currently. if focused he might be able to pay down a chunk of his debt by the wedding. if you two aren't on the same page re: financial priorities this ...
by epictetus
Thu Sep 01, 2016 5:56 pm
Forum: Personal Consumer Issues
Topic: Email Service Provider
Replies: 41
Views: 2153

Re: Email Service Provider

i have used Yahoo email for many years and like it fine. I tried using gmail but did not like it.

i use Firefox browser with the ad-block plus extension and ads are not a problem
by epictetus
Sat Aug 20, 2016 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Reconsidering glide path
Replies: 11
Views: 1262

Re: Reconsidering glide path

how old are you?

one rule of thumb is having roughly your age in bonds.

how would that feel to you versus the allocation you have now?
by epictetus
Sat Aug 20, 2016 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Best interest paying savings accounts?
Replies: 9
Views: 1067

Re: Best interest paying savings accounts?

Barclays' Bank online and Discover Bank online.
No problems with either one.
Easy to set up and use.
Easy to transfer money from checking account to savings account and vice versa.
by epictetus
Sun Jul 24, 2016 6:40 pm
Forum: Personal Consumer Issues
Topic: Trip/vacation package deals
Replies: 6
Views: 833

Re: Trip/vacation package deals

we have taken a few trips with Globus and enjoyed them. you can buy the airfare through them. they are very easy to work with and we have had no problems with them. you can book the trip directly through them. they have trips that are a bit cheaper (Cosmos), more independent trips (Monograms) and ri...
by epictetus
Wed Jul 20, 2016 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Put ALL work 401k in S&P index 0.62% expense, or 0.90% to 1.30% expense funds?
Replies: 19
Views: 1098

Re: Put ALL work 401k in S&P index 0.62% expense, or 0.90% to 1.30% expense funds?

that's what we did with my wife's plan.
and her ER for the S&P500 index fund was 1.00
by epictetus
Sun Jul 10, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Ally or Capital One 360 online savings account?
Replies: 38
Views: 3119

Re: Ally or Capital One 360 online savings account?

Barclay's Bank and Discover Bank are also 2 other online savings accounts to consider
by epictetus
Fri Jul 08, 2016 5:46 pm
Forum: Personal Consumer Issues
Topic: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!
Replies: 48
Views: 3163

Re: 2000 Honda Accord - Wheel Bearing Cost$ 300!!!

let them supply the part and do the labor.
that way they are owning the whole process if you have some problems afterward.
that price is in-line/a bit lower than the price i paid to have the same repair done a few years ago on the same vehicle
by epictetus
Thu Jun 23, 2016 6:11 pm
Forum: Personal Consumer Issues
Topic: Group Travel?
Replies: 14
Views: 1524

Re: Group Travel?

the hospitals in my town conduct regular travel outings in small groups for senior citizens (not sure what age it would be to qualify). some are to more local attractions and some are to Europe. you might check the hospitals in your area to see if they have something like that
by epictetus
Wed Jun 22, 2016 6:06 pm
Forum: Personal Consumer Issues
Topic: European Package Tours
Replies: 23
Views: 1623

Re: European Package Tours

we have used Globus tours several times before and have been pleased with them. a friend has used Viking cruises several times and has been pleased with them.
by epictetus
Sun Jun 12, 2016 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Newly retired Police Sergeant 457(b) plan
Replies: 25
Views: 2862

Re: Newly retired Police Sergeant 457(b) plan

there is the option of getting money out of the 457 prior to 59 1/2 without penalty. I don't know if that would also apply to a Rollover IRA but I don't think so. hopefully someone will correct me if I am wrong. Would suggest putting most of that 100,000 in your checking account into an online savin...
by epictetus
Mon May 30, 2016 7:12 am
Forum: Personal Consumer Issues
Topic: Walkers for short people
Replies: 5
Views: 552

Re: Walkers for short people

they make walkers for children. I bet they make rollators for children too. that might be more the right height. the local medical supply store should be able to find what you need.
by epictetus
Sun May 29, 2016 12:45 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation Conundrum
Replies: 25
Views: 1998

Re: Asset Allocation Conundrum

Bogle's rule of thumb re: age in bonds would have you somewhere around a 60/40 to 50/50 allocation. If you deploy 1/2 the money now and the other half in monthly increments over the next 12 months that might take some of the stress out of getting started. The key is to find an allocation and strateg...
by epictetus
Tue May 17, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: My friend wants to invest money; please review my advice for her
Replies: 44
Views: 3651

Re: My friend wants to invest money; please review my advice for her

is she going to be ok with this plan when the stock part drops by 50%?
if not it isn't a good plan for her
by epictetus
Sun May 08, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Plan to break up with advisor, but feeling nervous
Replies: 30
Views: 3186

Re: Plan to break up with advisor, but feeling nervous

If you call Vanguard they should be able to help you transfer this account. Since it is an IRA account there shouldn't be any tax concerns when you transfer. Vanguard should (I think) be able to tell you if all these funds can transfer in and then you can sell them once they are transferred. The pre...
by epictetus
Sun May 08, 2016 9:09 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY BIRTHDAY, MR. BOGLE! May 8, 2016
Replies: 52
Views: 3741

Re: Happy Birthday Mr. Bogle! May 8, 2016

Happy Birthday Mr. Bogle!
Thank you for being such a reliable North Star!!
by epictetus
Thu Apr 28, 2016 7:45 pm
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 99
Views: 6403

Re: What's become of Consumer Reports?

we have subscribed for around 25 years and i could not agree more with the comments already made.
it is sad for me to see how CR has declined.
my entire adult life i have never made a significant purchase without consulting CR.
will be a real loss not to have that resource going forward.
by epictetus
Fri Apr 22, 2016 1:25 pm
Forum: Personal Consumer Issues
Topic: Pop up ads driving me nuts! Please help
Replies: 33
Views: 2682

Re: Pop up ads driving me nuts! Please help

i use firefox and ad-block plus.
ad-block plus should stop the problem for you.
by epictetus
Sun Apr 17, 2016 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 6179

Re: HELP! HR Doesn't Believe in Index Funds for 401k

I would let it drop and put your contribution into the S&P index fund. My wife is paying 1% for the S&P 500 index fund in her 401k and that is the cheapest fund offered. The powers that be might not take too kindly to you pushing this issue. you can complement that holding with other holding...
by epictetus
Sat Apr 09, 2016 7:14 am
Forum: Personal Finance (Not Investing)
Topic: Job Offer in Hand, Delaying Notice
Replies: 42
Views: 4006

Re: Job Offer in Hand, Delaying Notice

if the norm at your company is 2 weeks notice for people in your position, and there is no written policy on it, that is what i would suggest you give.
by epictetus
Sun Mar 06, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Fallout from parents' divorce
Replies: 61
Views: 4448

Re: Fallout from parents' divorce

it is hard not to feel caught up in the middle of this.
is good to remember you did not create the situation and cannot fix it.
your dad can talk to friends, an attorney, etc., etc. to get ideas.
if he doesn't that is his choice and is fine.
but it doesn't mean you need to feel like you should fix it.
by epictetus
Sat Feb 27, 2016 3:44 am
Forum: Personal Consumer Issues
Topic: Selling Boat and Financing for Family Member
Replies: 14
Views: 1244

Re: Selling Boat and Financing for Family Member

are you going to be ok if you your cousin doesn't pay for the boat? it sounds like you are already pretty sure he/she won't. any reason the cousin is not getting a loan from somewhere else to pay for the boat? sounds like this has high likelihood of being a problematic situation. any chance your cou...
by epictetus
Sat Feb 20, 2016 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Should I be investing more in retirement?
Replies: 15
Views: 1978

Re: Should I be investing more in retirement?

save/invest all you can as soon as you can.
at your age with that kind of income between you and your wife, if you keep your expenses reasonable, with some heavy-duty saving/investing at this point in your life you could buy you a lot of freedom down the road
by epictetus
Fri Feb 19, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Savings heavily tax deferred - how to optimize for early retirement?
Replies: 21
Views: 2671

Re: Savings heavily tax deferred - how to optimize for early retirement?

any of your tax=deferred in a 457b? if so there is more flexibility on withdrawing from it without penalty
by epictetus
Tue Feb 09, 2016 6:46 pm
Forum: Personal Consumer Issues
Topic: Repair old car or buy new? A car illiterate needs some help
Replies: 40
Views: 3223

Re: Repair old car or buy new? A car illiterate needs some help

given your income, the amount of assets you have already accumulated at your age, and the frustration you are feeling re: this issue i would suggest selling/trading in your car and buying a new one.

you could buy a new toyota and hopefully have many years of trouble-free driving.
by epictetus
Tue Jan 26, 2016 6:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 4979

Re: Happy Birthday Taylor!

I am sorry to be a day behind.
I want to wish you a very happy birthday!
You civility is a model for us all.
by epictetus
Mon Jan 25, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Moved my IRA to Vanguard. Have questions.
Replies: 15
Views: 1217

Re: Moved my IRA to Vanguard. Have questions.

you have made a great move. you have picked a fine fund. i would encourage you to sell the putnam fund if it is within the ira and buy more balanced index fund. if you decide over time to do something different re: Lifestrategy fund, etc. you can always do that later. for now know that you have made...
by epictetus
Sun Jan 10, 2016 10:02 am
Forum: Investing - Help with Personal Investments
Topic: ALARX vs SP500 Index Fund
Replies: 8
Views: 532

Re: ALARX vs SP500 Index Fund

there will always be actively managed funds that perform better than the index. the questions are: how to identify those funds before the period of out-performance and how long will the out-performance last If you are investing today the question is will this fund outperform the index over the next ...
by epictetus
Thu Jan 07, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Lousy 401k Options---Nuveen S&P 500?
Replies: 12
Views: 954

Re: Lousy 401k Options---Nuveen S&P 500?

that ER is not horrible given what's out there in 401k plans.

we recently faced the same decision and decided to go ahead with the S&P 500 index fund in my wife's 401k that has cost of .98

that is the cheapest fund in the plan. the others are in the 1.50- 1.75 range.
by epictetus
Sun Jan 03, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: Recommend prepaid text and talk plans
Replies: 14
Views: 1370

Re: Recommend prepaid text and talk plans

my wife and i also have used tracfone for several years.
if you don't use the phone much we have found it a good way to go.
can buy a prepaid card good for one year and X number of minutes (I forget how many).
as long as you renew before the year has expired the unused minutes roll forward.
by epictetus
Sun Jan 03, 2016 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ rebalancing? fund choices VOYA
Replies: 12
Views: 823

Re: Help w/ rebalancing? fund choices VOYA

depending on what Fidelity funds are available, what ER there is on the funds, and if there are any extra fees with the Fidelity plan you will probably come out a lot better with the Fidelity plan.

is definitely something to check into
by epictetus
Sat Jan 02, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: Recommend prepaid text and talk plans
Replies: 14
Views: 1370

Re: Recommend prepaid text and talk plans

Just today I received the February 2016 edition of Consumer Reports. ON page 51 they rate prepaid phone plans. Here are the rankings in order: 1. Republic Wireless 2. Cricket 3. Page Plus Cellular 4. Straight talk 5.Tracfone 6. Metro PCS 7. Virgin Mobile 8. Net10 9. Boost Mobile 10. T-Mobile 11. Ver...
by epictetus
Sat Jan 02, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: When is tax software necessary?
Replies: 16
Views: 1655

Re: When is tax software necessary?

if your situation is pretty simple you might just do them by hand. can fill out the forms in pencil first and then enter the data on an irs.gov form to print and mail in. after years of using tax software a few years ago i went back to paper/pencil by hand. i have found it to be much quicker and it ...
by epictetus
Sat Jan 02, 2016 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Engaged...So how do we handle finances now?
Replies: 40
Views: 4053

Re: Engaged...So how do we handle finances now?

would keep separate before marriage and then mix after marriage
by epictetus
Fri Jan 01, 2016 7:54 pm
Forum: Investing - Theory, News & General
Topic: Teaching Family the Bogle Way
Replies: 29
Views: 3011

Re: Teaching Family the Bogle Way

i agree with the poster re: making this as simple as possible.
if you have your assets in one diversified/balanced fund (Target Retirement or Lifestrategy) she would be set.
by epictetus
Sat Dec 26, 2015 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Downsize my car to save money?
Replies: 30
Views: 2559

Re: Downsize my car to save money?

I vote for keep the car.
With that manual transmission I'm betting the car will last a very long time.

I am of the buy reliable cars new and keep a long time school.

* and you might like the quote in my signature line :happy
by epictetus
Wed Dec 23, 2015 6:48 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Purist
Replies: 43
Views: 4106

Re: John Bogle Purist

I have mine at Fidelity.
I have total stock market index and US Bond Index.
Age in bonds.
Rebalance on birthday
by epictetus
Sat Dec 19, 2015 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Concerned about 457(b) plan - advice needed!
Replies: 18
Views: 1500

Re: Concerned about 457(b) plan - advice needed!

if it is a non-governmental 457 i would suggest not investing in it.
governmental and non-governmental 457 plans are very different
by epictetus
Sat Dec 19, 2015 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Large Stock Market Decline Today - What's going on?
Replies: 46
Views: 4785

Re: Large Stock Market Decline Today - What's going on?

would encourage you to not keep up with daily stock market news.
if you are in accumulation stage just keep accumulating

notes re: positivity: the stock market is not down 37% this year.
by epictetus
Sat Dec 05, 2015 7:51 am
Forum: Investing - Help with Personal Investments
Topic: I am 34 and have only 3000 bucks to invest...This is a job for...THE BOGLEHEADS
Replies: 49
Views: 4321

Re: I am 34 and have only 3000 bucks to invest...This is a job for...THE BOGLEHEADS

i would suggest getting 6 months worth of expenses into a savings account first.
by epictetus
Wed Dec 02, 2015 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Helping me pick the best of the worst in 401k
Replies: 16
Views: 1766

Re: Helping me pick the best of the worst in 401k

my wife's 401k has one stock index fund option. the ER plus admin cost on it is 1.06% and there is no match in her plan I just looked at the money market option in the plan: the ER plus admin cost on it is 1.18% although it is a good idea to ask for a stock index fund unfortunately it may still not ...
by epictetus
Sun Nov 29, 2015 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Slow Switch to Vanguard
Replies: 15
Views: 1861

Re: Slow Switch to Vanguard

maybe help this person make sure they are in some savings accounts that pay decent interest and not have too much just in checking.
and maybe suggest the person think about a CD ladder.
other than that I would leave the situation alone.
by epictetus
Sun Nov 22, 2015 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Confused widow needs portfolio assistance
Replies: 62
Views: 6255

Re: Confused widow needs portfolio assistance

no wonder you are confused. that is a mind-boggling collection of mutual funds. you came to the right place by coming here and will receive lots of valuable advice. investing can and should be much, much simpler that what Fidelity set you up with. if you decided to stay with Fidelity they have good ...
by epictetus
Sat Nov 21, 2015 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for Small Law Survivor
Replies: 61
Views: 9116

Re: Advice for Small Law Survivor

is this right: if you have 5 million you could spend 200,000 per year for 25 years before you would run out of money. so that would take you from 65 years old to 90 years old. the above doesn't consider inflation but it also doesn't include any return on your investments, any social security, etc. i...

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