Search found 687 matches

by red5
Tue Feb 09, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: Staying the course?
Replies: 16
Views: 1023

Re: Staying the course?

OP,

Stay the course.

Best of luck.
by red5
Tue Feb 09, 2016 4:59 am
Forum: Personal Consumer Issues
Topic: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k
Replies: 60
Views: 4357

Re: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k

ShoogyBee wrote:You'll notice that a lot more drivers these days forget to turn on their headlights toward sunset due to gauges in most new cars being illuminated all the time.

...


I am guilty of this a couple of times in the last few weeks..Guess it is just something to get used to.
by red5
Tue Feb 09, 2016 4:58 am
Forum: Personal Consumer Issues
Topic: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k
Replies: 60
Views: 4357

Re: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k

What did you get and how did you like it? I'm thinking of getting a 2012 hatch today or tomorrow. got the new 2015 3i sport hatchback @ $500 under invoice. add $2k in incentivess, and it was $19k out the door. it has 2 annoyances: 1) no cig lighter under the dash board. there's one in the arm rest ...
by red5
Mon Feb 08, 2016 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 5142

Re: No guts to buy today!

I know that I will regret it. It happens to me every time that there is a major equity drop. Instead of buying I chicken out. In a year I will say the same I always say: "You fool" I have been at it over 30 years and I cannot correct my bad habit. If you've been at it for over 30 years th...
by red5
Mon Feb 08, 2016 10:22 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 21
Views: 2146

Re: Jim Cramer

He, personally, outperforms the market. The portfolio generated by following his TV recommendations do not. How do you know that? I'm not necessarily doubting you but I am skeptical, if that makes sense. Of which statement? Should be easy to find articles on his shows' lack of edge, e.g. http://www...
by red5
Mon Feb 08, 2016 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Am I getting fleeced on my IRA? Opinions welcome.
Replies: 21
Views: 872

Re: Am I getting fleeced on my IRA? Opinions welcome.

EdB wrote:I am talking to the agent this coming Thursday. Am I justified in feeling fleeced, and should I get out of this ASAP? I am about six years from starting to take RMD's.


I would. You can do index funds by yourself.
by red5
Mon Feb 08, 2016 10:06 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 21
Views: 2146

Re: Jim Cramer

swl wrote:He, personally, outperforms the market. The portfolio generated by following his TV recommendations do not.


How do you know that? I'm not necessarily doubting you but I am skeptical, if that makes sense.
by red5
Mon Feb 08, 2016 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Rebalance Question
Replies: 13
Views: 632

Re: Rebalance Question

If it's in an IRA I don't see the problem with selling one fund to purchase another fund (transfer) when new contribution money is not enough to give you your desired AA. Now I agree, if you are only off by a percentage or two then that is "close enough". But if your 11k still is not enoug...
by red5
Mon Feb 08, 2016 8:59 am
Forum: Investing - Help with Personal Investments
Topic: are you buying or selling or staying the course
Replies: 22
Views: 1393

Re: are you buying or selling or staying the course

In the context of keeping my money in the markets then no, I am not selling. In the context of regular 401k contributions one can say that I am buying. However for me, staying the course entails periodically checking my investments and rebalancing opportunities. When a rebalancing need arises then I...
by red5
Mon Feb 08, 2016 6:11 am
Forum: Investing - Theory, News & General
Topic: How to calculate annual standard deviation from monthly returns
Replies: 37
Views: 1274

Re: How to calculate annual standard deviation from monthly returns

Hi, I'd like to calculate the annual volatility of my portfolio. I have monthly return data. I've read that one approach it to calculate the monthly standard deviation of returns then multiply by the square root of 12, but that this is just an approximation. Does anyone know where I could find an e...
by red5
Sat Feb 06, 2016 5:49 am
Forum: Investing - Theory, News & General
Topic: What is your average return?
Replies: 17
Views: 1925

Re: What is your average return?

4.5% annualized over 10 or 11 years. That is why a pretty heavy stock allocation throughout.
by red5
Sat Feb 06, 2016 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Disappointed in International Funds
Replies: 42
Views: 3358

Re: Disappointed in International Funds

Perhaps some of the responses you are receiving are a bit sarcastic. Here is what I would do. Since the two funds are in a taxable account (?) I would exchange both funds for an international index fund, such as VTIAX, as long as you are comfortable with the amount of gains you have. What you are co...
by red5
Sat Feb 06, 2016 5:31 am
Forum: Investing - Help with Personal Investments
Topic: when is the right time to do a planned shift in AA
Replies: 8
Views: 661

Re: when is the right time to do a planned shift in AA

I agree that it is hard to do something like this. Going from 87 to 80% stocks when stocks are low seems counterintuitive. That is why I try to make everything as "mechanical" as possible. By this I mean taking the emotions out of investing. So what I do to combat this preplanned change of...
by red5
Fri Feb 05, 2016 9:24 am
Forum: Investing - Theory, News & General
Topic: Expense ratio vs return on investment
Replies: 15
Views: 1344

Re: Expense ratio vs return on investment

Hello, All the literature I've been able to access indicates that a fund's return incorporates the fees. In other words, if a fund grows at 4% and has an expense ratio of .5%, the return is listed at 3.5%. If this is true, isn't the expense ratio of a fund irrelevant when searching for a quality in...
by red5
Thu Feb 04, 2016 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: How to behave on a RGD (Really Good Day)?
Replies: 17
Views: 1762

Re: How to behave on a RGD (Really Good Day)?

kiddoc wrote:
red5 wrote:Invest a lot in a poorer performing asset class?

So realize short term gains? This will wipe out all the losses I harvested so far this year and more. :?


I meant invest new money....not with already invested money. It may not be a realistic option. I was just throwing it out there.
by red5
Thu Feb 04, 2016 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: How to behave on a RGD (Really Good Day)?
Replies: 17
Views: 1762

Re: How to behave on a RGD (Really Good Day)?

Invest a lot in a poorer performing asset class?
by red5
Thu Feb 04, 2016 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: TSP doesn't credit dividends & interest?
Replies: 14
Views: 837

Re: TSP doesn't credit dividends & interest?

I just learned that the government Thrift Savings Plan does not credit individual accounts with any income from the holdings. I am used to IRAs with an "automatic reinvestment" setting, where each time dividends or interest came in to my account, the plan used those funds to purchase addi...
by red5
Thu Feb 04, 2016 5:21 am
Forum: Investing - Help with Personal Investments
Topic: International index funds necessary?
Replies: 8
Views: 914

Re: International index funds necessary?

Still think you are better off with 1 fund. If 90% stocks is higher than your comfort level, you might use LifeStrategy Growth at 80%, and move to TR2055 sometime when it has a lower stock allocation. Another option would be to use a different Target Retirement fund. One does not need to necessaril...
by red5
Thu Feb 04, 2016 5:18 am
Forum: Investing - Help with Personal Investments
Topic: International index funds necessary?
Replies: 8
Views: 914

Re: International index funds necessary?

Thanks for the replies. This would be for a Roth IRA (no employer account available). I am in the 15% income bracket and 40 years away from retirement. I am leaning towards putting most of my contributions with my target date fund and 1k with the Target Income so I have some TIPS shares. Hope this ...
by red5
Wed Feb 03, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: My portfolio
Replies: 9
Views: 544

Re: My portfolio

Are the ratios within each bucket going to stay roughly the same? Which would mean over time that your total stock allocation will decrease since your value of bucket 1 will stay roughly the same? Your plan looks good to me.
by red5
Mon Feb 01, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Dual-military couple relocating to Vilseck, Germany :)
Replies: 23
Views: 1660

Re: Dual-military couple relocating to Vilseck, Germany :)

I really want to move back to Europe :sharebeer
by red5
Mon Feb 01, 2016 9:33 am
Forum: Investing - Theory, News & General
Topic: Bogle vs. Vanguard on International Funds
Replies: 27
Views: 3616

Re: Bogle vs. Vanguard on International Funds

After reading Bogle's chapter, I'm inclined to admit he's influenced me into thinking that 60/40 is too high - though I'm admittedly, still learning quite a bit about this and figuring out my comfort zones.Where do most of you fall on your intentional stock holdings? Do you tend to lean more toward...
by red5
Mon Feb 01, 2016 9:27 am
Forum: Investing - Help with Personal Investments
Topic: where to find a tool to check etfs correlation instantly
Replies: 6
Views: 352

Re: where to find a tool to check etfs correlation instantly

HI ALL where to find a tool to check etfs, or mutual funds, correlation instantly , vanguard does not tell percentage correlation . all i want to know percentage difference for example ivov ( s&p 400 midcap ) and VO(vanguard midcap) tanks Just keep in mind that correlations are not static.
by red5
Mon Feb 01, 2016 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Funds (Admiral) vs ETFs (Advantages and disadvantages)
Replies: 24
Views: 2650

Re: Vanguard Index Funds (Admiral) vs ETFs (Advantages and disadvantages)

Wow. I personally like both. I like mutual funds. I like ETFs. Each person (investor) is different. Some may like ETFs and some may not. Same for mutual funds. Some may think ETFs are complicated and some may think they are simple. People are varied in their thoughts and opinions. It's like people a...
by red5
Mon Feb 01, 2016 5:09 am
Forum: Local Chapters and Bogleheads Community
Topic: One year of knowing Taylor Larimore
Replies: 15
Views: 2519

Re: One year of knowing Taylor Larimore

Thanks for sharing that very nice story. You are very fortunate to have found that kind of friendship.
by red5
Mon Feb 01, 2016 4:53 am
Forum: Investing - Help with Personal Investments
Topic: List of all tax-advantaged space?
Replies: 22
Views: 1837

Re: List of all tax-advantaged space?

whatistiaa wrote:Edited OP to show annual limits. So far, it looks like the annual limits for a typical individual is quite low. Not too many ways to tax shelter income.


40k is quite low? I suppose it is relative. You can always invest efficiently in a plain taxable account once you reach that 40k as well.
by red5
Sun Jan 31, 2016 6:08 am
Forum: Personal Consumer Issues
Topic: Dual-military couple relocating to Vilseck, Germany :)
Replies: 23
Views: 1660

Re: Dual-military couple relocating to Vilseck, Germany :)

I was fortunate enough to spend a year in Vilseck. The Army was VERY good at smoothing out the transition for me and I suspect you will have a similar experience. My hand was held throughout the entire process for everything from the shipment of household goods, obtaining housing, shipping my person...
by red5
Sun Jan 31, 2016 5:55 am
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutual Funds
Replies: 7
Views: 504

Re: ETFs vs Mutual Funds

Yes, having a higher ER for your retirement fund should theoretically create a drag on your portfolio performance. However, consider that the difference in expenses between your two stated options is so small that it is essentially meaningless over the long term. There are other investing factors th...
by red5
Sat Jan 30, 2016 5:49 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing TSP and IRA?
Replies: 3
Views: 317

Re: Rebalancing TSP and IRA?

Is there any way to increase expected returns? I don't think I'm going to need all the money, since I'll have a pension, so I plan on being in the stock market for at least 40 more years, and even then leaving a lot in for children/grandchildren inheritance. The way to increase or maximize your *ex...
by red5
Sat Jan 30, 2016 5:42 am
Forum: Investing - Help with Personal Investments
Topic: Additional Investment Options
Replies: 3
Views: 368

Re: Additional Investment Options

I am personally unfamiliar with this and I'm mainly writing this as a bump for your thread. But I would say that 7.5% guaranteed interest is a pretty good deal. But I suppose you'll have to do the analysis to see just how much of a benefit you'll receive (i.e. taxes).
by red5
Sat Jan 30, 2016 5:33 am
Forum: Investing - Help with Personal Investments
Topic: Bonds in Roth not making sense
Replies: 9
Views: 948

Re: Bonds in Roth not making sense

Well some of it depends on your tax bracket. If you are in a low tax bracket than bonds in a taxable account is fine. Also, if you want 10% to be bonds then that is $15,000. If you have a regular bond fund throwing off 2% then that amounts to $300 per year in dividends. That could become problematic...
by red5
Fri Jan 29, 2016 5:16 am
Forum: Personal Finance (Not Investing)
Topic: How to pay for prep for house sale?
Replies: 14
Views: 1444

Re: How to pay for prep for house sale?

If your market is hot you may not need to do much. We recently had our house under contract within 36 hours of going on the market and we did very little to prep it (except a lot of decluttering).
by red5
Thu Jan 28, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I invest?
Replies: 25
Views: 1027

Re: i have most of my investments in the S&P 500

Is this in a taxable account with capital gains? If so you may want to consider keeping your S&P 500 fund. Otherwise I would consider a Vanguard Retirement Fund or a Vanguard Lifecyle Fund (especially if you would hold it in a retirement account). They are all in one funds that give broad exposu...
by red5
Thu Jan 28, 2016 9:32 am
Forum: Investing - Help with Personal Investments
Topic: 401k Contribution - upto the match or more?
Replies: 21
Views: 1401

Re: 401k Contribution - upto the match or more?

We invest the minimum in our 401k in order to capture the full match. The rest of our investing is done via IRAs due to better fund options and expenses.
by red5
Thu Jan 28, 2016 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard VFINX Roth IRA
Replies: 8
Views: 467

Re: Vanguard VFINX Roth IRA

Throw it all in today. Not because the market is down (it could go down a lot more) but because today is a great day to invest.
by red5
Thu Jan 28, 2016 5:00 am
Forum: Investing - Theory, News & General
Topic: Entire Portfolio Expense Ratio
Replies: 41
Views: 2025

Re: Entire Portfolio Expense Ratio

.10% -- Mostly Vanguard index funds.
by red5
Wed Jan 27, 2016 7:37 am
Forum: Investing - Help with Personal Investments
Topic: Should I leave Ameriprise?
Replies: 28
Views: 1702

Re: Should I leave Ameriprise?

You don't have to contact the financial advisor. You can have the new house (Vanguard, Fidelity, etc) do all the work for you. I've moved about 6 funds over the last few years and have never talked with anyone connected with the places the money was coming from. +1 Great point. I had Vanguard trans...
by red5
Wed Jan 27, 2016 5:23 am
Forum: Personal Consumer Issues
Topic: perfectly happy with cable
Replies: 123
Views: 6071

Re: perfectly happy with cable

letsgobobby wrote:...

We pay $200 per month, which isn't small change, but for that we get:

...

What is it about their cable packages that is causing so many Americans to 'cut the cord?'


I think you answered your question at the beginning of your post :D
by red5
Wed Jan 27, 2016 5:16 am
Forum: Investing - Help with Personal Investments
Topic: Should I leave Ameriprise?
Replies: 28
Views: 1702

Re: Should I leave Ameriprise?

My specific questions are the following. 1) Is dropping Ameriprise a "no-brainer"? I feel like it is, and I guess I just need reassurance... 2) Any reasons to stay in my situation? 3) What do you think of the funds he has us in? As a former Ameriprise investor I will say... 1) Yes, it is ...
by red5
Wed Jan 27, 2016 5:11 am
Forum: Investing - Help with Personal Investments
Topic: How to implement a glide path
Replies: 37
Views: 2062

Re: How to implement a glide path

I do precisely what you are planning. This year my bond allocation went from 16% to 17%, effective January 1. I "balanced" our accounts via IRA contributions at the beginning of the year which merely meant allocating enough money to put my bonds at 17% and the rest of the money to stocks t...
by red5
Tue Jan 26, 2016 5:33 am
Forum: Investing - Help with Personal Investments
Topic: Newbie question: looking to tilt small cap value
Replies: 6
Views: 532

Re: Newbie question: looking to tilt small cap value

I'm at a point where I'm looking to tilt my portfolio to be about 10% US Small Cap Value in my Roth IRA at Vanguard. Aside from the minimum required investment for VISVX (Vanguard Small Cap Index Fund, investor shares) and ER of 0.23%, are there any major differences between holding this fund vs. h...
by red5
Tue Jan 26, 2016 5:29 am
Forum: Personal Consumer Issues
Topic: Thinking about Hulu
Replies: 16
Views: 1378

Re: Thinking about Hulu

I find (free) Hulu to be good for watching tv programs the day or two after they air on broadcast. You'll get many commercials, perhaps the same amount as if you were watching the show live. I believe the shows are available to watch for free for a few weeks/months. Their selection of movies is palt...
by red5
Tue Jan 26, 2016 5:17 am
Forum: Investing - Help with Personal Investments
Topic: Taxable or reporting events in Roth IRA
Replies: 12
Views: 694

Re: Taxable or reporting events in Roth IRA

...This was done as a direct transfer of shares from one account to the other, nothing was liquidated or re-purchased or anything like that. So first, I want to confirm - this should not be a reportable event, correct? Second, now that these holdings are in the Roth IRA on the brokerage side, when ...
by red5
Tue Jan 26, 2016 5:09 am
Forum: Investing - Help with Personal Investments
Topic: for slice and dicers - anyone moving into Em Mkt or HY?
Replies: 31
Views: 2160

Re: for slice and dicers - anyone moving into Em Mkt or HY?

I don't really need a response from those who invest in total stock or total bond funds. Anyone looking at high yield funds and adding? Emerging markets? Both are downtrodden possibly. I already had a small to moderate EM tilt at the beginning of the year. Since they did so poorly last year this me...
by red5
Sat Jan 23, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Two Fund Equity Portfolio Long-term Return
Replies: 8
Views: 927

Re: Two Fund Equity Portfolio Long-term Return

Newbie first Post! If I were to hold a portfolio of: 80% Total Stock Market/20% Total International Stock Market for 40 years. Any guesses as to what my approximate nominal annual average rate of return would be? Why would such guesses be of any value? After all, they would be just guesses. It can ...
by red5
Fri Jan 22, 2016 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: What would a Boglehead do? (CC Debt Dilemma)
Replies: 62
Views: 3820

Re: What would a Boglehead do? (CC Debt Dilemma)

How secure is your job? I realise you may not know that answer 100% but it could help determine how much of an emergency fund you might need. Do you have any monthly expenses that could be diverted towards those CC loans? I'd cut way back until those are settled. But given what you have said so far ...
by red5
Fri Jan 22, 2016 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Double Check your Dividends in Vanguard Brokerage Account(s)
Replies: 11
Views: 789

Re: Double Check your Dividends in Vanguard Brokerage Account(s)

This is probably unrelated but maybe not so. When I did the upgrade last month my bond mutual funds received a partial distribution on the day of the conversion and then another partial distribution at the end of the month (based on the number of days between the conversion and the regular distribut...
by red5
Fri Jan 22, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: travel route from nh.to florida
Replies: 8
Views: 549

Re: travel route from nh.to florida

I firmly believe in this route. It's a bit longer in mileage but almost certainly quicker due to less traffic: I95 to I495 (Mass) I84 (Mass) I81 (Scranton, PA) I77 (just past Roanoke, VA) I26 (Columbia, SC) I95 (somewhere before Charleston, SC) I think a similar route has been mentioned. But doing i...
by red5
Fri Jan 22, 2016 7:43 am
Forum: Local Chapters and Bogleheads Community
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 4993

Re: Hope everyone is well

In before the lock :D Staying in a rainy Southern Florida until I start driving back to MN on Sunday. Hoping all the bad weather id done before my drive. :shock: Perhaps we can make this actionable. If we can have thousands of posts on books we ought to be able to discuss what prudent measures one ...
by red5
Fri Jan 22, 2016 5:44 am
Forum: Investing - Help with Personal Investments
Topic: Two Fund Equity Portfolio Long-term Return
Replies: 8
Views: 927

Re: Two Fund Equity Portfolio Long-term Return

6% +/- 4%. And like you asked, this is just a guess.


In other words, nobody knows nothin'

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