Search found 564 matches

by indexonlyplease
Wed Jul 26, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Why not Schwab instead of Vanguard?
Replies: 32
Views: 1207

Re: Why not Schwab instead of Vanguard?

Schwab has a good total stock fund and a good total bond fund (just started a year ago). Their international fund is ok for what it is, but it is not a total total international. The cost differences, where they exist, are too tiny to matter. They don't have much other than that (except a couple of...
by indexonlyplease
Wed Jul 26, 2017 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Returning to College - Looking for Financing Advice
Replies: 14
Views: 562

Re: Returning to College - Looking for Financing Advice

One more thing.

When you pay for college you are still investing. You are investing in yourself. Because when you pay the 60k and finish your salary will increase and you will have even more to invest. So, the best investment is yourself.
by indexonlyplease
Wed Jul 26, 2017 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Returning to College - Looking for Financing Advice
Replies: 14
Views: 562

Re: Returning to College - Looking for Financing Advice

You have to remember this. Anytime you are paying interest you are reducing you investment returns. You make 10% on your investments but pay on car loan, student loan, etc. So what are your real returns. It may look good when you look at your investment growing. But the interest payments hurt the re...
by indexonlyplease
Wed Jul 26, 2017 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Intermediate investor- one book to read?
Replies: 4
Views: 160

Re: Intermediate investor- one book to read?

The Bogleheads guide to Investing. second addition. It cover all you need to start with.
by indexonlyplease
Tue Jul 25, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Best short term bond fund
Replies: 5
Views: 551

Re: Best short term bond fund

With those rates I wonder if it is even worth it.
by indexonlyplease
Tue Jul 25, 2017 5:05 pm
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 107
Views: 5379

Re: Is Amazon Prime worth it?

I used to have multiple account with yearly fees. Costco, Amazon Prime, Thrive Market. Cancelled 2 and only kept the Amazon Prime. 2 reason online video streaming is free and going shopping at Costco is a nightmare with the crowds. I will pay a little more to avoid the crowds. Also, Walmart now ship...
by indexonlyplease
Tue Jul 25, 2017 5:00 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1023
Views: 244725

Re: Best watch for around $5,000?

[This is a restarted thread, please check post dates before responding. Also please be aware that forum policies have changed since this thread was begun, more on this on page 15 - admin alex] I am considering asking for a nice watch for my 50th birthday present. Does anyone have any opinions as to...
by indexonlyplease
Tue Jul 25, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 57
Views: 6216

Re: Two-Fund Portfolio Role Call

Sorry I am in the 3 fund.

But my 21 and 17 year old are in the 2 fund.
75% Vanguard Total Stock Market
25% Vanguard Total International Market

But the 21 college son has a Roth IRA "tilt" to the Vangaurd Target Dated 2060 Fund
by indexonlyplease
Tue Jul 25, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 57
Views: 6216

Re: Two-Fund Portfolio Role Call

lostdog wrote:I just don't see having 20% international making a difference anyway so no point in adding to make it a bit more complex. I value simplicity.


But maybe it does better with 20% international.
by indexonlyplease
Tue Jul 25, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Two-Fund Portfolio Role Call
Replies: 57
Views: 6216

Re: Two-Fund Portfolio Role Call

Jiu Jitsu Fighter wrote:VSIAX Small-Cap Value
VFSVX Small/Mid-Cap ex-US


Now thats aggressive. I would like to see your returns in 20 years. Good luck.
by indexonlyplease
Tue Jul 25, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Returning to College - Looking for Financing Advice
Replies: 14
Views: 562

Re: Returning to College - Looking for Financing Advice

You can't fund a MBA with 200k a year. I have a hard time believing this. Maybe you should lower your lifestyle? Does your wife work? No kids I would state yes and what is her salary. Many have funded MBA while working full time and making a lot less. Are you going to Havard? You know what is worse ...
by indexonlyplease
Tue Jul 25, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Need Advice on Credit Card Debt
Replies: 32
Views: 958

Re: Need Advice on Credit Card Debt

Do you have anything you can sell to lop off bigger chunks? Perhaps read The Total Money Makeover book by Dave Ramsey. You need to figure out how to get "gazelle intense" on this thing or it will hang with you for a long time. Too long. How about a second job delivering pizza until it is ...
by indexonlyplease
Tue Jul 25, 2017 2:47 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 151
Views: 14570

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

Tycoon wrote:I hate to waste my 1000th post on this, but this rise isn't unprecedented. I get the impression people are reading the many posts about time in the market and just not getting it. Oh well, it's not my problem.

Good luck.


Can you sent me the link to your post. I would like to read them,

Thanks
by indexonlyplease
Tue Jul 25, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Cash to Invest
Replies: 14
Views: 700

Re: Cash to Invest

It is not easy dropping a large sum in the market at any time. So the best advise I have gotten here is to decide how much to invest each month and do it over many months so it makes you feel comfortble. Some say year, some say 2 years. There are pros and cons to both. So what makes you feel better....
by indexonlyplease
Mon Jul 24, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: Lifetime Tire Alignment
Replies: 34
Views: 2264

Re: Lifetime Tire Alignment

With the cars we have had in the family we never had to have the tires reballanced or front end alignment. We just always bought good name brand tires and kept the air pressure correct. The tires last long. U just replace my wifes tires on her suv and she had over 40,0000 miles on the tires. Rotatio...
by indexonlyplease
Mon Jul 24, 2017 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Keep inherited Florida Fixed Fund?
Replies: 2
Views: 163

Re: Keep inherited Florida Fixed Fund?

I have all my fixed income in the same stable value fund.
by indexonlyplease
Mon Jul 24, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Rich kid want to transfer stock to parents, good or bad idea ?
Replies: 25
Views: 3105

Re: Rich kid want to transfer stock to parents, good or bad idea ?

Hi, there In order to support my two kids for their brand-name colleges, we used up all of our savings and some of the retirement funds. So kids know that we haven't put much into our retirement accounts and we are planning to stay working for long so we can accumulate enough retirement funding. My...
by indexonlyplease
Mon Jul 24, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Stable value fund vs Vanguard Total Bond Market Index
Replies: 25
Views: 2553

Re: Stable value fund vs Vanguard Total Bond Market Index

I use the stable fund in my 457 for all my fixed money. Paying now 3.5%. So yes, I think good choice for now. You can always go back to bonds when they pay better then the fixed.

If the plan does not have I bond choice than you will be unable to purchase.
by indexonlyplease
Mon Jul 24, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Pay yourself first.
Replies: 42
Views: 3141

Re: Pay yourself first.

Curious on how most here pay themselves every month. Do you take a cut out of each paycheck/income source or do you wait until the end of the month and transfer over what is remaining? I have been removing for example 20% of every income source I receive the day I get it and transferring it to my s...
by indexonlyplease
Mon Jul 24, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 57
Views: 4801

Re: Living Off Dividends

I am not sure how it works but my wife's friend lives of of dividends that are from her husbands trust fund the family set up over 25 yrs ago when they got married. The husbands is slow in the mind so works as a bag boy, she is a substitute teacher. Yes set up marriage of some sort. She told my wife...
by indexonlyplease
Mon Jul 24, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Windfall - CD's or Bonds or follow AA question
Replies: 20
Views: 732

Re: Investing Windfall - CD's or Bonds or follow AA question

Thesaints wrote:If those 175k affect your financial targets you should revise your AA.
If they don't and you are nervous investing that much money in a single sitting, just cost average for up to a couple of years.



I like that idea.
by indexonlyplease
Mon Jul 24, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Windfall - CD's or Bonds or follow AA question
Replies: 20
Views: 732

Re: Investing Windfall - CD's or Bonds or follow AA question

In the boglehead book it states to put it in savings for 6 months and decide what you want to do with the money. I did the same and asked here, and after being beat up,the good advise was to put money in the taxable monthly. I gues this just makes me feel better even though maybe not wise investment...
by indexonlyplease
Mon Jul 24, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 183
Views: 10895

Re: John Bogle Has Been Right About Investing In International Stocks

For the record, the Taylor Larimore three fund portfolio includes an International Stock Index. Taylor as far as I know invests Internationally himself. My guess is that he sticks close to Mr. Bogle's 20% recommendation. People have asked about Vanguard's recommendation of 40% of stocks and 30% in ...
by indexonlyplease
Mon Jul 24, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 57
Views: 3115

Re: Can a TIPS ladder 'fail' ?

I can see the future when one shops at ALDI and looking for cheap prices on soda. Quiting those 2 will increase the return on your portfolio from less doctors. Sorry just being funny. My everyday beverage is Mexican Coke, bottled in Mexico (made with cane sugar). The trouble with it is the bottles ...
by indexonlyplease
Mon Jul 24, 2017 11:13 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 7393

Re: Anyone else extremely frugal?

There is a line there where frugality can turn into cheapness or miserliness, which can affect ones life negatively. This is very true. Like the old man that left millions of dollars to family when he died. But he drove around in a 20 yr old car, and dressed like a homeless person. That person beco...
by indexonlyplease
Mon Jul 24, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 7393

Re: Anyone else extremely frugal?

My father's pajamas were 30 years old and it still looked new. I am trying to break his record but I can not find the same 100% polyester ones. Anyway it has been maybe 10 years that I buy any clothes. The company I work for is extremely lax in dressing. If you want to be Frugal why buy pajamas in ...
by indexonlyplease
Mon Jul 24, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 183
Views: 10895

Re: John Bogle Has Been Right About Investing In International Stocks

Question: I read constanlty that past porformace does not guarantee future porformance. But then the only thing we talk about is past performance. Also, that the only thing the gurus talk about when setting up their portfolio recommendations. All the Lazy Portfolios are based on past. Is that not t...
by indexonlyplease
Mon Jul 24, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 110
Views: 5051

Re: Investing Education and Mansplaining

Mansplaining - "(of a man) explain (something) to someone, typically a woman, in a manner regarded as condescending or patronizing." "I'm listening to a guy mansplain economics to his wife" (Oxford Dictionary) My 22 year old daughter/recent college grad is very sensitive to this...
by indexonlyplease
Mon Jul 24, 2017 7:27 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 7393

Re: Anyone else extremely frugal?

I like to think myself as frugal. Though I don't know that I'd say I'm extremely frugal. There is a line there where frugality can turn into cheapness or miserliness, which can affect ones life negatively. This is very true. Like the old man that left millions of dollars to family when he died. But...
by indexonlyplease
Mon Jul 24, 2017 7:21 am
Forum: Personal Consumer Issues
Topic: Anyone else extremely frugal?
Replies: 100
Views: 7393

Re: Anyone else extremely frugal?

Dont know what it is with me. Im very basic. Havent bought clothes in 2 years. Can go without eating lunch just to save $5. Kinda want new shoes but dont really "need" them. It kinda sucks. I make about $40k a year, which is peanuts, but surely i should be able to purchase goods in life w...
by indexonlyplease
Mon Jul 24, 2017 7:06 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 183
Views: 10895

Re: John Bogle Has Been Right About Investing In International Stocks

Mr. Bogle has been right. No. He hasn't. At least, not by the evidence offered in your post, which is not logic that should be promoted by a member of this forum that a good number of readers look to for advice. By your logic, the "right" investment is simply the one that offers the best ...
by indexonlyplease
Mon Jul 24, 2017 6:42 am
Forum: Personal Consumer Issues
Topic: 2017 Genesis
Replies: 34
Views: 3485

Re: 2017 Genesis

I am considering leasing a 2017 or 2018 Genesis. Does anybody here have one? Ralph Leasing an expensive car is a sure way to neve becoming financially independent. Unless you are already really wealthy. I heard a financial person state you should not buy a new car until you are a millionaire. Not c...
by indexonlyplease
Mon Jul 24, 2017 6:40 am
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 57
Views: 3115

Re: Can a TIPS ladder 'fail' ?

I can see the future when one shops at ALDI and looking for cheap prices on soda. Quiting those 2 will increase the return on your portfolio from less doctors. Sorry just being funny. My everyday beverage is Mexican Coke, bottled in Mexico (made with cane sugar). The trouble with it is the bottles ...
by indexonlyplease
Sun Jul 23, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 110
Views: 5051

Re: Investing Education and Mansplaining

mansplaining, sounds like something I do with a electric trimmer.
by indexonlyplease
Sun Jul 23, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 57
Views: 3115

Re: Can a TIPS ladder 'fail' ?

I think the odds are pretty darn high long lived retirees are ill served by TIPs. So if a retiree shouldn't own TIPS, what should they bet their future on? I do not have a definitive answer. I am planning on using 10 years of income in CDs, index mutual funds, and private equity holdings for the rs...
by indexonlyplease
Sun Jul 23, 2017 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Dealing with Expensive 457 Plan Options
Replies: 10
Views: 482

Re: Dealing with Expensive 457 Plan Options

I had the same problem for many years with Nationwide. I was in a 100% stock portfolio until a few years ago when I found the 3 fund portfolio here. I opened the Schwab account and use 2 index funds recommended here. I use my stable fixed account for the fixed portion. They charge me $50 yr to use t...
by indexonlyplease
Sun Jul 23, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: US and International Bond Fund Allocation
Replies: 89
Views: 4331

Re: US and International Bond Fund Allocation

When you depart from the world market AA, you're now making bets. Do you really feel competent to make these bets? I don't. When I buy my own clothes, I still always end up with mere shorts and a tee-shirt. Of course I am! Why should I buy 20% of short-term bonds, when I know that I won't need that...
by indexonlyplease
Sun Jul 23, 2017 8:59 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3075

Re: Larry Swedroe: What Drives Municipal Bond Yields

Do investors like us use cd for short term less that 5 years. Sure. I have about 75% of my fixed income in direct CDs, and I have about 70% of my portfolio in fixed income. I'm way on the conservative side as forum members go, but I figured out some years ago that I don't need to take much if any s...
by indexonlyplease
Sun Jul 23, 2017 2:50 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3075

Re: Larry Swedroe: What Drives Municipal Bond Yields

But I would have to look at the intermediate bonds and do the division. SEC yield on Vanguard intermediate-term tax-exempt investor shares (VWITX), is 1.77%, so that's a TEY of 2.36% (= 1.77% / 0.75); average duration is 5.2 years, and average stated maturity is 8.4 years. Max drawdown for VWITX wa...
by indexonlyplease
Sun Jul 23, 2017 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Investing in an AirBNB unit? ROI?
Replies: 32
Views: 2602

Re: Investing in an AirBNB unit? ROI?

I'm looking at liquidating 300k of our taxable account and investing in an AirBnB unit. I haven't spent a lot of time trying to develop a business plan, but wondering if others feel AirBNB / VRBO is a good return on investment compared to the stock market? I'm thinking we could rent our unit for $2...
by indexonlyplease
Sun Jul 23, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: US and International Bond Fund Allocation
Replies: 89
Views: 4331

Re: US and International Bond Fund Allocation

When you depart from the world market AA, you're now making bets. Do you really feel competent to make these bets? I don't. When I buy my own clothes, I still always end up with mere shorts and a tee-shirt. Of course I am! Why should I buy 20% of short-term bonds, when I know that I won't need that...
by indexonlyplease
Sun Jul 23, 2017 2:08 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3075

Re: Larry Swedroe: What Drives Municipal Bond Yields

Could you use the Vanguard limited term tax exempt bond fund. Holds bonds for average 2 yrs. If someone was looking to try to just stay up with this low inflation. Meaning better than savings bank or lock in 5 yr cd. Money that you don't want to invest but would like to make a little better than sa...
by indexonlyplease
Sun Jul 23, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3075

Re: Larry Swedroe: What Drives Municipal Bond Yields

Could you use the Vanguard limited term tax exempt bond fund. Holds bonds for average 2 yrs. If someone was looking to try to just stay up with this low inflation. Meaning better than savings bank or lock in 5 yr cd. Money that you don't want to invest but would like to make a little better than sav...
by indexonlyplease
Sat Jul 22, 2017 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: 50K USD: Investing via Vanguard Personal Advisor vs DIY
Replies: 11
Views: 811

Re: 50K USD: Investing via Vanguard Personal Advisor vs DIY

Hello Bogleheads community! I learned about Bogleheads.org from Google and can't be more thankful to investments knowledge sharing that happens here. Kudos to awesome members of this group and glad that I am part of it now learning through groups quality content. I am 32 years old and just started ...
by indexonlyplease
Sat Jul 22, 2017 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: should my 22 yr old son have my power of attorney
Replies: 13
Views: 1450

Re: should my 22 yr old son have my power of attorney

I would call the lawyer that did your will and ask for his opinion. I am sure he has a good idea. We update our Will a couple of years ago. Our son was 19. I decided I would trust him more than other family members. When money is involve it gets ugly. I have seen it with my wife's family. Our 17 yea...
by indexonlyplease
Sat Jul 22, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Newbie Trying to catch up.
Replies: 11
Views: 1177

Re: Newbie Trying to catch up.

I just wanted to say congratulations on being clean. I had a family member go through the same with alcohol. But now 7 years clean at 51. He is doing great now with his fincances just like you are.

The new addiction will be saving for retirment and spending time with family. Thats what he did.
by indexonlyplease
Sat Jul 22, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTINX [Target Retirement Income Fund]
Replies: 8
Views: 785

Re: Vanguard VTINX

I would think that you made it to retirement. Now time to live off the income you get from the Vanguard Fund. I believe it it uses the 4% rule. I think that is the goal. If you don't need the imcome then you can change into another Target Fund for when you do need the income. I would think dependin...
by indexonlyplease
Sat Jul 22, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTINX [Target Retirement Income Fund]
Replies: 8
Views: 785

Re: Vanguard VTINX

I would think that you made it to retirement. Now time to live off the income you get from the Vanguard Fund. I believe it it uses the 4% rule. I think that is the goal. If you don't need the imcome then you can change into another Target Fund for when you do need the income. I would think depending...
by indexonlyplease
Sat Jul 22, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: REITs Aren't Special
Replies: 106
Views: 7621

Re: Larry Swedroe: REITs Aren't Special

REITs may or may not be a separate asset class but their valuations certainly can move somewhat independently from TSM. In the late 1990s/early 2000s they were incredibly cheap (yields of 7-10% were common) and did most of the heavy lifting for my portfolio from the late 1990s to 2008 or so. They a...
by indexonlyplease
Fri Jul 21, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Young invester- building my portfolio
Replies: 12
Views: 917

Re: Young invester- building my portfolio

I think Target Dated Fund at Vanguard is a good start for a young person. My 21 yr old son is in one and now maxing out. When he learns he then can move to a 3 fund if he likes. If we put him in that now he would spend to much time playing with the funds and worry like you are. At your age and his I...

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