Search found 342 matches

by epictetus
Tue Jan 26, 2016 6:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: Happy Birthday Taylor!
Replies: 87
Views: 3686

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: 947

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: 384

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: 782

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: 1095

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: 609

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: 1095

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: 1209

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: 3634

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: 2682

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: 2298

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: 3421

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: 1112

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: 4130

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: 3562

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: 1387

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: 1628

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: 61
Views: 4857

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: 56
Views: 6806

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...
by epictetus
Sat Nov 21, 2015 3:28 am
Forum: Personal Consumer Issues
Topic: Finding a low cut work shoe with a thick sole
Replies: 12
Views: 1417

Re: Finding a low cut work shoe with a thick sole

not sure how rough the terrain is you work in.

SAS shoes are very comfortable and have a thick sole
by epictetus
Fri Nov 20, 2015 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Discouraged =( [Lost money in IRA target fund]
Replies: 66
Views: 6173

Re: Discouraged =(

would suggest you look at your balance less often. if you have a target date fund you like in an IRA just put the money in when you can and don't look at the balance. the fund will do the rebalancing for you
by epictetus
Sun Nov 15, 2015 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Gov 457b Notice of Administrator Change - Rollover Opportunity?
Replies: 5
Views: 617

Re: Gov 457b Notice of Administrator Change - Rollover Opportunity?

when my gov 457b changed from Fidelity to Voya I asked about it and it was not permitted to roll the proceeds over to an IRA because of the transition. the Voya plan we have is still a good one fortunately. my spouse's new 401 only has one index fund in it and the ER is over 1% plus additional admin...
by epictetus
Sat Nov 14, 2015 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Re balancing with ETFs
Replies: 6
Views: 374

Re: Re balancing with ETFs

is there any advantage you see to having ETFs versus mutual funds now that the holdings are at Vanguard?
i would consider using mutual funds v. ETFs.
by epictetus
Tue Nov 03, 2015 6:48 pm
Forum: Personal Consumer Issues
Topic: Organic Food: Costco vs Trader Joe's vs Local Super market
Replies: 33
Views: 2617

Re: Organic Food: Costco vs Trader Joe's vs Local Super market

there are a lot of organic items at Kroger and Aldi's.

I read recently that in 2 years Kroger will be the number one seller of organic food.
by epictetus
Mon Nov 02, 2015 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Conversion of paper to electronic for EE bonds
Replies: 10
Views: 749

Re: Conversion of paper to electronic for EE bonds

the downside of electronic EE or I Bonds (or at least this used to be true) is that if there is some fraud and they are stolen they cannot be replaced and you are liable for the loss/the loss is on you. with paper EE and I Bonds if they are lost/stolen there is a way they can be replaced. I hope som...
by epictetus
Sat Oct 31, 2015 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Spartan® 500 Index Fund - Institutional Class Symbol: FXSIX
Replies: 14
Views: 1187

Re: Spartan® 500 Index Fund - Institutional Class Symbol: FXSIX

this is still an excellent option.

in my wife's new 401k she has one stock index fund option and the ER on it is over 1% plus there are additional administrative fees.
by epictetus
Sat Oct 31, 2015 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Misc. budget for non-income producing spouse
Replies: 43
Views: 3318

Re: Misc. budget for non-income producing spouse

if you are both like-minded on spending there probably won't be a problem.
if you both need some kind of spending-limit framework/process now that you are going from 2 to 1 income then i would suggest applying it equally to you both.
by epictetus
Sat Oct 31, 2015 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Scared to take the BH jump (30yr old) (portfolio)
Replies: 53
Views: 7042

Re: Scared to take the BH jump (30yr old)

if you have some decent (low cost) actively managed fund options that makes some difference. and/or if the index funds are not decent (you mentioned index fund option of over 1% in ER) that makes a difference also definitely don't pay someone else 1-2% plus to manage your portfolio. some people here...
by epictetus
Sat Oct 17, 2015 7:01 am
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 1560

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

will be nice to learn from them/you whether this is a limit on amount per online transaction for that fund (so you could easily break up the purchases into smaller amounts) versus a limit on how much you can purchase in 24 hours or something like that. thanks for posting this info so we can all lear...
by epictetus
Fri Oct 16, 2015 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 1560

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

i am 99.9% sure this is a limit for how much you can move electronically in one transaction versus how much of the fund you can hold. i am surprised the Fidelity person you talked to didn't relay this to you
by epictetus
Sun Sep 27, 2015 9:09 am
Forum: Investing - Help with Personal Investments
Topic: selling stock - put in a separate index fund from other investments?
Replies: 11
Views: 477

Re: selling stock - put in a separate index fund from other investments?

a couple of thoughts: if you have your account set up so that dividends/gains are not reinvested (versus buying more shares with the dividends/gains) then this new purchase would always be identifiable as a separate purchase (I can't think of what this term is called now- separate lots I think). if ...
by epictetus
Thu Sep 24, 2015 5:48 pm
Forum: Investing - Theory, News & General
Topic: I feel like going 100% Bonds, but am staying the course
Replies: 85
Views: 7172

Re: I feel like going 100% Bonds, but am staying the course

you might consider moving to an "age in bonds" allocation. would be more conservative that the allocation you have now but still reasonable. and that allocation would have you moving to more conservative allocation each year. it is important to find an allocation you can stick with. if you...
by epictetus
Sun Sep 06, 2015 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Career Issue -- How do I recover?
Replies: 48
Views: 4978

Re: Career Issue -- How do I recover?

you have a government job you really like and are good at you are making a 6 figure income your boss really likes you and thinks highly of you you have never had any problems being promoted in the past the person who was promoted is someone you like well doesn't sound too bad i would encourage you t...
by epictetus
Sat Sep 05, 2015 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Best On-line Bank Savings Accounts
Replies: 25
Views: 3986

Re: Best On-line Bank Savings Accounts

there are several that are fine. hard to know which one is best or how long it would be.

Ally
Discover Bank Online
Barclay's Bank
Capital ONe
by epictetus
Sat Aug 15, 2015 7:21 am
Forum: Investing - Help with Personal Investments
Topic: 457b vs. Taxable account
Replies: 18
Views: 1140

Re: 457b vs. Taxable account

I would not do a non-governmental 457.
too much at stake if some unforeseen problem arises with the company/institution
by epictetus
Fri Aug 07, 2015 5:57 pm
Forum: Personal Consumer Issues
Topic: Ireland & Scotland tour
Replies: 19
Views: 1944

Re: Ireland & Scotland tour

we have been on several Globus tours and have liked them fine. Trafalgar tours should be very similar I would think. there are trade-offs between traveling on your own versus with a group tour. for us it has worked well to do the group tour. even if you do a group tour i would suggest getting Rick S...
by epictetus
Sat Aug 01, 2015 7:34 am
Forum: Investing - Theory, News & General
Topic: Financial Advisor v. Bogle Approach?
Replies: 33
Views: 3226

Re: Financial Advisor v. Bogle Approach?

I would suggest reading Bogle's "the little book of common sense investing" before reading the book you are reading esp. if this is all new to you. if you take just a bit of time in reading a few books and in reading/posting here you will be able to save yourself a fortune over your invest...
by epictetus
Fri Jul 31, 2015 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: All-in-one versus multiple funds
Replies: 7
Views: 749

Re: All-in-one versus multiple funds

if this is within your Roth I would suggest the LIfestrategy fund.
the Lifestrategy fund is an excellent one-fund choice.
if over time you decide you want to move to the individual funds you can do so then without tax consequences if your funds are within an IRA.
by epictetus
Sun Jul 26, 2015 1:21 pm
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 69
Views: 6542

Re: 50/50 asset allocation

I think you'd be fine with the Balanced Index Fund.

If the stock side loses 50% of value during a rough downturn the Balanced INdex fund would lose 30% of value and he 50/50 portfolio would lose 25% of value.
by epictetus
Sun Jul 26, 2015 1:13 pm
Forum: Personal Consumer Issues
Topic: Would you look down on a co-worker for driving a beater?
Replies: 196
Views: 14905

Re: Would you look down on a co-worker for driving a beater?

I would not look down on a coworker for driving an older car. I would think they are being smart. At the picnic, if anyone mentions your car or you can sense it is on their mind, maybe you could say "I decided to drive the nice car today since we are having the picnic!" and kind of make it...
by epictetus
Sat Jul 18, 2015 7:22 am
Forum: Investing - Help with Personal Investments
Topic: Retirement within 1 year
Replies: 33
Views: 4815

Re: Retirement within 1 year

just wanted to echo several of the other comments: definitely don't go to the financial planners. i'm afraid they would get your head spinning and you'd likely make an expensive mistake of some kind. figure out how to maximize the social security benefits given what you have said re: risk tolerance ...
by epictetus
Sun Jul 12, 2015 3:21 pm
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3910

Re: What antivirus software?

on my Vista laptop which i am still using I am currently using Ad-Aware free version and in the past have used free versions of Avira, Avast, and AVG. I use Malwarebytes now and again to double-check on things. And I use CCleaner to set which programs come on at start-up. I also use Firefox with Ad-...
by epictetus
Sat Jul 04, 2015 7:23 am
Forum: Investing - Help with Personal Investments
Topic: How do you determine your personal glide path?
Replies: 23
Views: 2998

Re: How do you determine your personal glide path?

i think the age in bonds (or age + or - x in bonds) or the fixed allocation are the most mechanical to implement and that is a real advantage. i agree with the idea that all kinds of variables come into play re: setting the allocation and changing it over time. but that also leads to the possibility...
by epictetus
Sat Jul 04, 2015 7:05 am
Forum: Investing - Help with Personal Investments
Topic: As a target retirement fund investor, should I substitute Admiral Funds for Investor Shares?
Replies: 25
Views: 2285

Re: As a target retirement fund investor, should I substitute Admiral Funds for Investor Shares?

i think there is a lot to be said for finding a TR or LS fund you like, putting all your money there and letting it be.

that approach will help reduce the amount of second guessing, tinkering, etc. that often leads to worse versus better outcomes
by epictetus
Sat Jun 20, 2015 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Help pick out 401k funds
Replies: 10
Views: 854

Re: Help pick out 401k funds

if you know you want to contribute to the 401 you can go ahead and fill out the form and the percentage/amount you want to contribute and select any fund for now. and then when you figure out which fund you really want to use you can change which fund your contribution is going into to that one and ...
by epictetus
Mon Jun 15, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: Comfortable shoes for work
Replies: 43
Views: 4621

Re: Comfortable shoes for work

would suggest checking out SAS shoes as others have mentioned. they are the only work shoes i have worn for many years. they are comfortable from day one, wear well, and last a really long time (years and years). they have multiple widths in each size for a good fit. they are made in the US (in San ...
by epictetus
Fri Jun 12, 2015 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Am I stuck with my money being managed by Fidelity?
Replies: 61
Views: 6144

Re: Am I stuck with my money being managed by Fidelity?

i think you are to be congratulated for figuring out there is a problem, obtaining info, and developing/implementing a plan to address it. selling what you have in the IRA and putting that money into the Spartan funds should work fine, even if they have to open another IRA for you that is non-manage...
by epictetus
Thu Jun 11, 2015 7:00 pm
Forum: Personal Consumer Issues
Topic: best way to do extended dual monitors on computer
Replies: 4
Views: 757

Re: best way to do extended dual monitors on computer

thank you all for your help and ideas. i wasn't aware until reading your posts that a hdmi/dvi cable existed. that would been the best solution. and i wasn't aware that hdmi and dvi were both digital and vga wasn't. before we got home and read your posts this evening we bought a dvi/hdmi adapter and...
by epictetus
Wed Jun 10, 2015 8:22 pm
Forum: Personal Consumer Issues
Topic: best way to do extended dual monitors on computer
Replies: 4
Views: 757

best way to do extended dual monitors on computer

i know there are many computer experts here and this forum is my "go to" place for all kinds of info so i thought i would ask for your help on the question below: we have a new computer with Windows 7 professional and need to set it up in a dual monitor format with extended (not mirror) im...
by epictetus
Sun May 31, 2015 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: TSM to target date in low balance Fidelity Roth IRA
Replies: 3
Views: 342

Re: TSM to target date in low balance Fidelity Roth IRA

I wasn't aware the Fidelity Freedom Index Funds were available in a Fidelity IRA. I will have to check into that.

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