Search found 734 matches

by red5
Fri Mar 24, 2017 4:07 am
Forum: Investing - Help with Personal Investments
Topic: Converting a target day fund to a 3-fund portfolio?
Replies: 3
Views: 259

Re: Converting a target day fund to a 3-fund portfolio?

Would it be best to do it all at once or would another tactic be more reasonable? The concern I have is based on the most recent return of the Total Stock Market vs the Total International Stock Market. The last thing I want to do is buy high and sell low. All thoughts and suggestions are appreciat...
by red5
Sat Mar 04, 2017 6:05 am
Forum: Personal Finance (Not Investing)
Topic: (Military) Continue to pay off debt or Save for PCS? [Permanent Change of Station]
Replies: 9
Views: 519

Re: (Military) Continue to pay off debt or Save for PCS?

Won't the military pay for your PCS? Or reimburse you for any costs you incur? I PCSd over there during the last decade and the military paid for my move both ways. Where are you going? I was fortunate enough to spend 3 years in Germany. Time of my life. ] I'll be going to the UK. From what I'm tol...
by red5
Sat Mar 04, 2017 4:52 am
Forum: Personal Finance (Not Investing)
Topic: (Military) Continue to pay off debt or Save for PCS? [Permanent Change of Station]
Replies: 9
Views: 519

Re: (Military) Continue to pay off debt or Save for PCS?

Won't the military pay for your PCS? Or reimburse you for any costs you incur? I PCSd over there during the last decade and the military paid for my move both ways.

Where are you going? I was fortunate enough to spend 3 years in Germany. Time of my life.
by red5
Thu Mar 02, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: Is tilting with small cap and REIT still recommended if they are not available as index-funds?
Replies: 20
Views: 2046

Re: Is tilting with small cap and REIT still recommended if they are not available as index-funds?

Small cap and REIT are not even necessarily recommended at all. They are just a possibly riskier investment that has done well at various points in the past. Some choose to take this risk going forward. A basic total stock portfolio is another legitimate recommendation that you will often see here o...
by red5
Fri Feb 17, 2017 4:33 am
Forum: Investing - Help with Personal Investments
Topic: Really Vanguard? 48 Cents?!
Replies: 40
Views: 4714

Re: Really Vanguard? 48 Cents?!

This past January I contributed $5,500 to my money market account and from there invested in a few different mutual funds and ETFs. In the process I received a $0.03 dividend while some of that money waited in the money market fund. I thought I would make an attempt to invest that $0.03 into my Tota...
by red5
Fri Feb 10, 2017 4:50 am
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 288
Views: 12846

Re: Your USER NAME...what does it mean?

A long time ago in a galaxy far, far away there was this guy who did a lot of cool things.
by red5
Tue Jan 31, 2017 5:49 am
Forum: Investing - Help with Personal Investments
Topic: Alert on re balancing bands reached ?
Replies: 2
Views: 592

Re: Alert on re balancing bands reached ?

My Excel sheet will make a certain cell turn red. It is under conditional formatting if I recall correctly. Sorry I cannot offer any more help.
by red5
Wed Jan 11, 2017 4:19 am
Forum: Investing - Help with Personal Investments
Topic: Non-resident alien in Uruguay, which broker to choose for US investment?
Replies: 30
Views: 2475

Re: Which broker should I choose?

Are you located in the United States? Uruguay?
by red5
Fri Jan 06, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 44
Views: 3001

Re: Tell me all about snowblowers

Also, I never ever stick my hand in there while it is turned on, not even when just the key is in the on position. While this is good, don't want to lull people into a false sense of safety. Nearly half of all limb injuries inflicted by snowblowers occur when the engine is NOT running. A typical sc...
by red5
Fri Jan 06, 2017 4:28 am
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 44
Views: 3001

Re: Tell me all about snowblowers

I use a 28" Ariens for a 300' driveway and can get it done in 30 to 60 minutes. That may be overkill for you. It is a beast. Also, I never ever stick my hand in there while it is turned on, not even when just the key is in the on position.
by red5
Thu Jan 05, 2017 5:11 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard statement error
Replies: 4
Views: 782

Re: Vanguard statement error

For my IRA some of my mutual funds came out with differing cost basis amounts by a few pennies. I inquired about it and they told me that their new method of calculating cost basis is more accurate since they round to more digits now. I didn't and don't buy that explanation but didn't seek anything ...
by red5
Wed Jan 04, 2017 9:51 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (December 2016)
Replies: 13
Views: 2065

Re: madsinger monthly report (December 2016)

I was also at 9.74% for 2016 (XIRR using Excel)

17/83 Fixed Income and Stocks (of which I am 60/40 US/INTL)
by red5
Tue Jan 03, 2017 8:34 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10323

Re: Max It Out Tomorrow

Yep if you bought say the S&P 500 Index on January 4th 2016, you were in the hole until march. My Roth has VTI(Total US),VBR(Small Cap Value US),VXUS(Total International), and VSS(Small International). I am betting that at least one of those will be cheaper than today at some point, but you are...
by red5
Tue Jan 03, 2017 8:10 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10323

Re: Don't Max It Out Tomorrow

Don't Max Out Tomorrow. If you're sitting on $5500/$6500 in cash and waiting to pull the trigger to fill your IRA tomorrow, then the damage is already done. But in the future, remember that "Time,Not Timing" matters. That is, you should have invested that money last year, rather than sitt...
by red5
Tue Jan 03, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10323

Re: Max It Out Tomorrow

I will never max out on the first day again, last year sucked! I will be using a plan similar to Livesoft. At first I did not know what you were referring to as "last year sucked!". I looked at prices and saw that Total US Stock dropped about 10% over the first month. Is that what you are...
by red5
Tue Jan 03, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: How do you treat 401k Match for IRR Purposes?
Replies: 46
Views: 2267

Re: How do you treat 401k Match for IRR Purposes?

When using the Bogleheads Retruns spreadsheet, I purposely exclude contributions and withdrawals to get a pure investment return. However, I am rethinking how I input 401k matching contributions since its free money similar to a dividend. I realize its a contribution, but not my own money which is ...
by red5
Tue Jan 03, 2017 5:16 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 10323

Re: Max It Out Tomorrow

According to the Intelligent Investor by Benjamin Graham: "According to Ibbotson Associates, the leading financial research firm, if you had invested $12,000 in the Standard & Poor’s 500-stock index at the beginning of September 1929, 10 years later you would have had only $7,223 left. But...
by red5
Thu Oct 20, 2016 6:52 am
Forum: Investing - Help with Personal Investments
Topic: How do you track your portfolio's performance?
Replies: 40
Views: 2914

Re: How do you track your portfolio's performance?

I like numbers and "playing" with them. I use Excel. I am also a very passive investor.
by red5
Sat Oct 08, 2016 5:03 am
Forum: Personal Consumer Issues
Topic: Camera recommendations- Not SLR
Replies: 52
Views: 4146

Re: Camera recommendations- Not SLR

We recently bought a used Sony RX III on Amazon for the same reasoning (it is not fun to carry a bulky SLR backpacking). I think it was a bit more than $400. The pictures seem good but perhaps not quite as good as our SLR. The zoom does not reach far however but for me that is not a big issue. I wou...
by red5
Tue Sep 20, 2016 4:21 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 37488

Re: The Bogleheads' "100 Things Worth Every Penny" List

taking notes: would appreciate brand suggestions on the lightweight backpacking gear and polarized sunglasses. Do you have a nearby REI store? I have become quite a fan of them. They have a great selection of quality backpacking gear. Some of it is very pricey and some of it is merely pricey. Yet I...
by red5
Thu Sep 15, 2016 4:22 am
Forum: Investing - Theory, News & General
Topic: market timing
Replies: 41
Views: 2813

Re: market timing

...For example, I have funds on hand to buy, but at this point, given the bull market is the second longest in history, it seems logical to wait a bit to buy, as there is the likelihood of a downturn, and I will get more for my money if I buy after the downturn... I've been calling for a [significa...
by red5
Tue Sep 06, 2016 4:24 am
Forum: Personal Consumer Issues
Topic: Trip to Germany
Replies: 22
Views: 2228

Re: Trip to Germany

I miss Germany so much it makes me ache. Enjoy your trip. There are a million great things to do there. Do yourself a favor and get a Doner from a street stand or small restaurant at the beginning of your trip.
by red5
Fri Aug 19, 2016 4:33 am
Forum: Investing - Help with Personal Investments
Topic: spreadsheet [to organize a portfolio]
Replies: 23
Views: 2257

Re: spreadsheet

I recently discovered an online and free version of Excel. I haven't really checked it out yet but it might be worth it.
by red5
Thu Aug 04, 2016 4:32 am
Forum: Investing - Help with Personal Investments
Topic: Help: Calculating overall % gains
Replies: 10
Views: 567

Re: Help: Calculating overall % gains

I believe if you want to know how you are doing it is more meaningful to calculate your annualized rate of return rather than your overall return. Let me give you a couple of reasons why. Let's say you invested $100 and it has turned into $150 for a 50% gain. That 50% gain seems nice and is if you j...
by red5
Wed Jun 29, 2016 4:26 am
Forum: Investing - Theory, News & General
Topic: VTSMX vs VTI compounding interest?
Replies: 14
Views: 1643

Re: VTSMX vs VTI compounding interest?

Let's say I have 10K I want to put in either VTSMX or VTI. If I purchase 10K shares of VTSMX, with my understanding, I believe this will have higher compounding of interest over the long term, say 20-30 years, since share prices are lower and can therefore be bought quicker with the reinvested divi...
by red5
Fri Jun 03, 2016 4:31 am
Forum: Investing - Help with Personal Investments
Topic: Getting Started: USAA vs Vanguard?
Replies: 17
Views: 1774

Re: Getting Started: USAA vs Vanguard?

I don't exactly know if it matters or not. But consider using USAA for your banking and insurance needs and Vanguard for your investing needs. That is what I do and am happy with that.
by red5
Mon May 09, 2016 7:17 am
Forum: Personal Consumer Issues
Topic: Thinking of moving to SC or TX
Replies: 31
Views: 3631

Re: Thinking of moving to SC or TX

Currently live in MO, but seriously considering moving to TX or SC. Anybody live there or have any advice or guidance on either location? Also - anybody ever sell their own house without using an agent? I spent 3 years in Greenville, SC but ultimately decided to move away due to the hot weather and...
by red5
Thu May 05, 2016 6:48 am
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 14446

Re: Sci-Fi ... your favorite movies and episodes??

Interested in seeing what the group likes best. My all time favorites are Avatar as a movie, the last two episodes of Star Trek Voyager, where Janeway time travels to defeat the Borg and return Voyager home. The Stargate introductory movie, the Star Trek Enterprise season end and start episodes whe...
by red5
Fri Apr 08, 2016 5:01 am
Forum: Personal Consumer Issues
Topic: Stay in city or move out to suburbs?
Replies: 33
Views: 2831

Re: Stay in city or move out to suburbs?

Only you can determine if the burbs are for you. It's a huge life decision and I sincerely hope you make the correct choice. I want to say that it also should not be a financial decision but rather a lifestyle decision (to include the schools). As for me, a few years ago I made the wrong choice (ras...
by red5
Thu Apr 07, 2016 4:28 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment same day as closing?
Replies: 8
Views: 823

Re: Mortgage payment same day as closing?

Last summer our closing date coincided with our payment due date. I simply called my bank and asked them what they wanted to do (also since giving payment can change the HUD numbers). They told me not to pay and that essentially my payment (along with the rest of the remaining balance) would be paid...
by red5
Thu Apr 07, 2016 4:24 am
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 7484

Re: Dallas suburbs or Northern Virginia for me?

Also, at the very least, rent and don't buy in either place until you know it is a place you want to settle down in.
by red5
Thu Apr 07, 2016 4:23 am
Forum: Personal Consumer Issues
Topic: Dallas suburbs or Northern Virginia for me?
Replies: 87
Views: 7484

Re: Dallas suburbs or Northern Virginia for me?

We recently tried a move to a low cost of area that was very economically prosperous (at least relative to where we were coming from) in an area that was perhaps not as good a fit for us in terms of lifestyle. Sort of like your Dallas. Well 3 years later and we are back to our original area. So I su...
by red5
Thu Mar 24, 2016 4:41 am
Forum: Investing - Help with Personal Investments
Topic: Target Retirement Fund
Replies: 22
Views: 2296

Re: Target Retirement Fund

I am figuring out what to do with my wife's ROTH IRA. It houses about $15k. I am considering dumping it all into Vanguard's 2055 Target Retirement Fund (VFFVX). What is the sentiment around here about Vanguard Target Retirement Funds? Vanguards retirement funds are one of the great ways to invest f...
by red5
Thu Mar 24, 2016 4:39 am
Forum: Investing - Help with Personal Investments
Topic: Are you changing your asset allocation?
Replies: 9
Views: 938

Re: Are you changing your asset allocation?

2comma wrote:Stay the course...


I'll second that.
by red5
Wed Mar 23, 2016 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Has your definition of "a lot" of money changed?
Replies: 57
Views: 5920

Re: Has your definition of "a lot" of money changed?

I suppose my question is, is it normal to have some trepidation as the money grows? Did your definition of "a lot of money" change as your balances grew? My definition of "a lot of money" does change as we accumulate and earn more just like my definition of "old" chang...
by red5
Tue Mar 22, 2016 4:29 am
Forum: Investing - Theory, News & General
Topic: mutual funds or ETF
Replies: 6
Views: 803

Re: mutual funds or ETF

Neither is better. Pick the one you are most comfortable with.
by red5
Mon Mar 21, 2016 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: Franchises - the good and the bad?
Replies: 14
Views: 1933

Re: Franchises - the good and the bad?

As a very young adult I worked for a food franchise and got to know the owner. The owner was simply a glorified employee. However this is not to say that all franchises would be like this though.
by red5
Mon Mar 21, 2016 3:46 am
Forum: Investing - Theory, News & General
Topic: Gains, Losses, and Recovery Time
Replies: 10
Views: 1186

Re: Gains, Losses, and Recovery Time

Small sample sizes...
by red5
Fri Mar 18, 2016 4:45 am
Forum: Investing - Theory, News & General
Topic: Ben Graham [Asset allocation]
Replies: 20
Views: 3258

Re: Ben Graham [Asset allocation]

Ben Graham said an investor should hold no more than 75% in equities. Do you think in today's low yield environment in bonds, he would even suggest owning bonds. Warren Buffett thinks bonds are a terrible investment right now. And Jack thinks they should be held to have some anchor to windward, but...
by red5
Thu Mar 17, 2016 4:44 am
Forum: Investing - Help with Personal Investments
Topic: Dividend and Capital Gains Reinvestment Option - Vanguard
Replies: 10
Views: 1546

Re: Dividend and Capital Gains Reinvestment Option - Vanguard

There are no Vanguard fees for reinvesting your dividends and capital gains in your taxable account. You will merely accumulate quite a few tax lots over the years (your bi-monthly investments and your four distributions throughout each year). There is nothing wrong with that (I myself have quite a ...
by red5
Tue Mar 15, 2016 9:51 am
Forum: Investing - Theory, News & General
Topic: A call to all Bogleheads: let's accurately calculate returns!
Replies: 13
Views: 2085

Re: A call to all Bogleheads: let's accurately calculate returns!

I have a spreadsheet to do this for my stock picks. The extra special fun is when dividends are automatically reinvested. The automatically reinvested dividend should basically be an empty transaction since the receiving of the dividend money and the reinvesting of the dividend money cancel each ot...
by red5
Tue Mar 15, 2016 4:46 am
Forum: Investing - Theory, News & General
Topic: A call to all Bogleheads: let's accurately calculate returns!
Replies: 13
Views: 2085

Re: A call to all Bogleheads: let's accurately calculate returns!

What if you just plugged in your transactions and used the XIRR formula in Excel? Does XIRR calculate the same rate of return that you are attempting to compute?

I got 14.5% annualized (this is for 11 months of data).
by red5
Tue Mar 15, 2016 4:40 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA
Replies: 6
Views: 673

Re: Vanguard Roth IRA

Hi everyone, I just opened a Vanguard Roth IRA and was hoping to get some advice and where to invest my money in as I am really new to this. I have $6k currently in there. I am planning to invest in Vanguard ETFs, a mixture of Total Stock Market (about 50%) , Total International Stock (about 30%), ...
by red5
Fri Mar 04, 2016 5:10 am
Forum: Investing - Theory, News & General
Topic: A look at Emerging Markets, recency bias, and diversification
Replies: 32
Views: 4191

Re: A look at Emerging Markets, recency bias, and diversification

stm wrote:Well guys - I've been slacking on putting 2016 Roth IRAs in. Went ahead and dropped full amounts into VWO for wife and self and son's ESA. Horizon is 20+ years and 10 for him. You all are a bad influence! :)


Did you significantly change your AA in doing so?
by red5
Sun Feb 28, 2016 5:44 am
Forum: Personal Consumer Issues
Topic: Camping & "Adventure" Gear for a 3 year old
Replies: 34
Views: 1999

Re: Camping & "Adventure" Gear for a 3 year old

My kids are a bit older but not much older and they got excited about getting real backpacking packs and sleeping bags that are rated for low temperatures and compress down real small. But they also enjoy the neat stuff like compasses, lighting, maps/guide books, binos, ... Perhaps bring them on an ...
by red5
Sun Feb 28, 2016 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Charts With Total Returns
Replies: 3
Views: 474

Re: Charts With Total Returns

Here is a Wiki article that explains what the previous poster mentioned. Note that you must enter a mutual fund in order to get a growth chart. If you wish to view a ETF or stock then type that in as a comparison to a mutual fund.

How to use Morningstar growth charts
by red5
Tue Feb 09, 2016 2:08 pm
Forum: Investing - Theory, News & General
Topic: Staying the course?
Replies: 16
Views: 1339

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: 5606

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: 5606

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 ...

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