Search found 9658 matches

by ruralavalon
Mon Feb 27, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: 300k to invest for the long term, am I on the right track?
Replies: 10
Views: 1596

Re: 300k to invest for the long term, am I on the right track?

It's great to see that you have no debt. Hi, I am 28 years old and I have set aside some money to invest into my future. I recently read a few books and put together some Investment Goals for myself that I posted here before. I just reorganized this post with some Emergency funds: yes Debt: No Tax F...
by ruralavalon
Mon Feb 27, 2017 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 51
Views: 2453

Re: Bogleheads' Philosophy a Generalization?

Thanks. So why is this wrong? Invest in XYZ fund which has a historical record of outperforming the market, say it outperforms the market for another 3 years and then loses the magic (the loss could take a week, a month, months), then sell it and at worst put it the funds into an index fund? This i...
by ruralavalon
Mon Feb 27, 2017 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: Talking with parents' financial advisor
Replies: 51
Views: 3907

Re: Talking with parents' financial advisor

Update: Yeah, sorry about the copy/paste job. So I got back the management costs from their advisor (which was surprisingly 1.3%, lower than expected), ran the math on it all with my parents (including the expense ratios on the ETFs/mutual funds they were in), and they're switching over to index fu...
by ruralavalon
Mon Feb 27, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2160
Views: 585901

Re: What Book Are You Currently Reading? Part VI

Bones of Coral , by James W. Hall. A Miami fireman and EMT returns to Key West where he grew up, to look into the death of his father whom he hadn't seen in 20 years and to help his mother in the failing family business. This mystery is built around an actual cluster of multiple sclerosis patients ...
by ruralavalon
Sun Feb 26, 2017 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: New Member Here, Looking for some suggestions
Replies: 17
Views: 1004

Re: New Member Here, Looking for some suggestions

Welcome to the forum :) . Don't be embarrassed, this is a common problem. Recognizing the problem and getting started is the hardest part, and you have already done that. Your fund choices and allocation in the 401k are just right for ages 24 and 28, in my opinion. 1) Is there an employer match offe...
by ruralavalon
Sun Feb 26, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for thoughts on my 401K Portfolio
Replies: 6
Views: 429

Re: Looking for thoughts on my 401K Portfolio

My company (a large global company) has a very good 401k through Scwhab. Company contributes 16%. I used schwab guided choice and did a risk profile of 7. Currently 38 years old. I'm finally getting smart on investments and am learning a lot about expenses/and allocation. This is what Guided choice...
by ruralavalon
Sun Feb 26, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: "Buffett: Indexing the Best Choice for Investors Large and Small"
Replies: 13
Views: 1650

Re: Never underestimate the power of marketing

Seriously, it amazes me that anyone even debates this anymore. WolfgangPauli: Don't be amazed. Just as the gambling casinos tell people they can win, the investment industry spends billions of dollars each year telling investors they can "beat the market." Act as if every broker, insuranc...
by ruralavalon
Sun Feb 26, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 112
Views: 6524

Re: BH thoughts on Time shares

We all think we have more sales resistance than we really do. Speak for yourself. I hope you enjoy your new timeshare! I own two of them, both purchased on the resale market, and have zero regrets. The difference between you and most timeshare owners is that you were a buyer and not a sellee. Purch...
by ruralavalon
Sun Feb 26, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendations?
Replies: 30
Views: 2983

Re: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendation

Question: Why has Vanguard increased International Stock and International Bond in Balanced Funds and Portfolio Recommendations over time? Do the International Stock and International Bond allocations add volatility? How is it beneficial? . . . or not? Other? In my opinion there is no readily appar...
by ruralavalon
Sun Feb 26, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: How Much Cash Do You Actually Hold?
Replies: 110
Views: 10048

Re: How Much Cash Do You Actually Hold?

We're holding 10% of assets in cash as of yesterday morning. As of yesterday I was at 5.31% liquid cash but that excludes I-Bonds and CDs. We currently have 0.05% in liquid cash in our portfolio, in the Vanguard Federal Money Market Fund which is just some dividends not reinvested. If we count our ...
by ruralavalon
Sat Feb 25, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Allocation Help
Replies: 11
Views: 437

Re: 401K Allocation Help

Simply using VINIX, an S&P 500 index fund, gives you: 28/31/28 05/05/03 00/00/00 Whereas VTSMX, the total stock market fund, gives you: 23/25/24 06/06/06 03/03/03 The performance of the two funds has been nearly identical over the 25 years since the creation of the total stock market fund, so I ...
by ruralavalon
Sat Feb 25, 2017 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Just opened my Vanguard account
Replies: 7
Views: 759

Re: Just opened my Vanguard account

For comparison of rates for savings accounts and CDs please see http://www.bankrate.com .
by ruralavalon
Sat Feb 25, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: 401K Allocation Help
Replies: 11
Views: 437

Re: 401K Allocation Help

Those are excellent fund choices, you are very fortunate to have them offered in your 401k plans. In general those are good asset allocations. My suggestion would be a little more in bonds, and a little more in international stocks. But overall your allocation is good. At age 30 I usually suggest ab...
by ruralavalon
Sat Feb 25, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 112
Views: 6524

Re: BH thoughts on Time shares

np81 wrote:
nedsaid wrote:We all think we have more sales resistance than we really do.

Speak for yourself.

More accurately, everyone thinks they have above average sales resistance. We all live in Lake Wobegon.
by ruralavalon
Sat Feb 25, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads' Philosophy a Generalization?
Replies: 51
Views: 2453

Re: Bogleheads' Philosophy a Generalization?

Does this apply to Vanguard funds such as Wellesley Income Fund? Wellesley is just another mutual fund...it is subject to forces that affect other funds. It has performed well in the past, but that doesn't foretell the future. Wellesley has a large allocation toward large-cap dividend paying stocks...
by ruralavalon
Sat Feb 25, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Buffett Annual Letter 2016 [Jack Bogle is a hero]
Replies: 62
Views: 4090

Re: Buffett Annual Letter 2016

delrinson wrote:You beat me to it. An eloquent testimony to the power of passive investing in indices. Read pp. 21-25 of the letter.

I recommend that everyone read that.
by ruralavalon
Sat Feb 25, 2017 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Another milestone post
Replies: 29
Views: 1439

Re: Another milestone post

Congratulations :) .
by ruralavalon
Sat Feb 25, 2017 10:16 am
Forum: Investing - Theory, News & General
Topic: Buffett Annual Letter 2016 [Jack Bogle is a hero]
Replies: 62
Views: 4090

Re: Warren Buffet says Jack Bogle is a hero.

That's a nice article, thanks for the link.
by ruralavalon
Fri Feb 24, 2017 11:45 am
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 4412

Re: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]

Notification this morning from Vanguard, telling me that the ER on VTIAX has dropped from 0.12% to 0.11% The downward pressure continues. :sharebeer Awesome! I can now retire 10 minutes earlier. :twisted: Awesome :D . I always enjoy it when they slice another 1/100 of a percent off the expense rati...
by ruralavalon
Fri Feb 24, 2017 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Talking with parents' financial advisor
Replies: 51
Views: 3907

Re: Talking with parents' financial advisor

Hey everyone, Thank you all for your help and advice on this. I hadn't really considered the fact that this advisor has faced, and avoided, all of these questions hundreds of times at all. Is there any way to calculate the fees being paid by them without actually talking to their advisor? Regarding...
by ruralavalon
Fri Feb 24, 2017 10:41 am
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 112
Views: 6524

Re: BH thoughts on Time shares

It seems there is no way out of these contracts once signed? i.e. you are on the hook for annual fee + maintenance + other fees *forever*? In a situation like that you could wind up *paying* someone else to take it back from you? Unlimited downside risk? Ouch. A timeshare is an interest in real pro...
by ruralavalon
Fri Feb 24, 2017 10:31 am
Forum: Investing - Help with Personal Investments
Topic: which bond fund?
Replies: 7
Views: 522

Re: which bond fund?

Welcome to the forum :) .

What is your age? About how many years are you from retirement?

Can you provide a link to the fact sheets for each of these two funds?
Laddered Fixed Income GSAM SV - 0.04%
Blackrock 20+ Treasury Bond Fund: Class F Shares - 0.07%
by ruralavalon
Fri Feb 24, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Talking with parents' financial advisor
Replies: 51
Views: 3907

Re: Talking with parents' financial advisor

Hi all. So I've been reading up on personal finance and all of that for a few years now, so have a decent base understanding, but wanted to ask you all for help. My parents are fortunate enough to have a decent amount of money saved up, but very little know-how with regards to how to manage it. Thu...
by ruralavalon
Fri Feb 24, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Tell me about Alaska
Replies: 40
Views: 2999

Re: Tell me about Alaska

The "narrated " bus trip in Denali doesn't stop at each potential drop off, those planning to drop off have to show the driver their back country passes (only available at the ranger station) which lets the driver know where to stop for them. You can't just get off without a pass except a...
by ruralavalon
Fri Feb 24, 2017 9:20 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2160
Views: 585901

Re: What Book Are You Currently Reading? Part VI

The Civil War: A Narrative, by Shelby Foote. Vol. I: Fort Sumter to Perryville Vol. II: Fredericksburg to Meridian Vol. III: Red River to Appomattox I have been studying the Civil War intermittently for over 35 years, so don't ask me to explain why I waited until now to read these classic histories...
by ruralavalon
Thu Feb 23, 2017 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 112
Views: 6524

Re: BH thoughts on Time shares

whaleknives wrote:And I'd like some comments on who has been able to use timeshares at the time and place they wanted.

We had a timeshare on West Maui, which we had purchased on the secondary market. We used it every other year for about 20 years, and enjoyed it very much.
by ruralavalon
Thu Feb 23, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 112
Views: 6524

Re: BH thoughts on Time shares

I know very little about time shares, but see ads for them in Las Vegas. Are these good to attend for "free" tickets to shows and to buy or are they ripoffs? Don't even consider going to this type of presentation. The timeshare developer always has an enormous markup to pay for the promot...
by ruralavalon
Thu Feb 23, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2160
Views: 585901

Re: What Book Are You Currently Reading? Part VI

The Republic of Pirates , by Colin Woodard. This is the very interesting history of pirates and piracy during 1715 - 1725 in the Caribbean and the Bahamas. The focus is on the lives of pirates Samuel "Black Sam" Bellamy, Edward "Blackbeard" Thatch, Charles Vane, and their mentor...
by ruralavalon
Wed Feb 22, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Bond Funds?
Replies: 8
Views: 424

Re: Multiple Bond Funds?

Yes, it's a taxable acct. I don't know which specific funds yet- we only had an initial call and we are set up to actually get things going on Monday. We both have 401(k)s and they are maxed out each year. No IRAs but I want to look into that. The Vanguard adviser is saying we should leave our 401(...
by ruralavalon
Wed Feb 22, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple Bond Funds?
Replies: 8
Views: 424

Re: Multiple Bond Funds?

Welcome to the forum :) . Hi, I have been lurking and reading and I am sold on the Boglehead approach to investing. My wife and I have funds with a traditional adviser and want to set up a 3 or 4 fund Vanguard portfolio. The plan is to use a Vanguard Personal Adviser to help transfer everything over...
by ruralavalon
Wed Feb 22, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Just turned 30, want to make a lazy investment folio via Charles Schwab. Advice needed...
Replies: 4
Views: 578

Re: Just turned 30, want to make a lazy investment folio via Charles Schwab. Advice needed...

Welcome to the forum :) . Hey guys, first time poster here. I have about 2k sitting in an IRA at Schwab doing nothing because I can't figure out what to invest in and how. I could conceivably invest a few thousand each year, but am currently not doing so. I want to make a lazy portfolio that I don't...
by ruralavalon
Wed Feb 22, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 7512

Re: New Boglehead Millionaire

Congratulations :D :D
by ruralavalon
Wed Feb 22, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 56
Views: 4564

Re: Is 60/40 too conservative for 31 year old?

I'm no expert by any means, but I'm surprised to see all this support for a 60/40 split for a 30 year old. Even the Target Retirement funds are set to glide at 90/10 until age 40. Now I'm second-guessing my own plans... They have little need to take risk, wife doesn't want to, and 60/40 can be suit...
by ruralavalon
Wed Feb 22, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: TSM vs SP500+Ext
Replies: 2
Views: 188

Re: TSM vs SP500+Ext

"Enough benefit to go to the trouble"?

What trouble? Using Fidelity Total Market is simpler, less work and less expensive.

I see no downside, so go ahead.
by ruralavalon
Wed Feb 22, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 165
Views: 12453

Re: Quicken's future direction - a cause for concern

Even when I used Quicken, I never used it for bill paying. Virtually all of my recurring charges (utilities, subscriptions) get automatically charged to credit cards. One utility doesn't accept credit cards without fee, and so I have set up direct debit from a checking account with them. No manual ...
by ruralavalon
Wed Feb 22, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 56
Views: 4564

Re: Is 60/40 too conservative for 31 year old?

My wife and I have been looking at our retirement accounts and we are thinking of switching from age in bonds to 60/40 for the long haul. We currently max our 401k's and Roth's and also invest an additional amount usually around 20k in a CD or Total Stock Market fund based on our allocation needs. ...
by ruralavalon
Wed Feb 22, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 46
Views: 4099

Re: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]

Took a quick look at what happened when rates increased late last year. VBTLX dropped about 4%, VBILX dropped about 5%. So a noticeable difference but to me at least not one that is significant or worrisome. For me, both VBILX and VBTLX have longer than desirable durations. I suggest adding VFIDX (...
by ruralavalon
Tue Feb 21, 2017 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Tilted in REIT, small cap, health care fund, should I continue or move them into total stock market
Replies: 14
Views: 1333

Re: Tilted in REIT, small cap, health care fund, should I continue or move them into total stock market

REIT is in Roth IRA, I can exchange into total stock market any time, but I was thinking if it is prudent to wait couple more months to see if current high evaluations, which is 10 percent increase since Nov 2016 sustains or not. REIT is only one that did not measure total stock in last 10 years be...
by ruralavalon
Tue Feb 21, 2017 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]
Replies: 46
Views: 4099

Re: VBILX vs VBTLX [Vanguard Intermediate-Term vs. Total Bond]

Either fund is very good for your purposes.

We Use Vanguard Intermediate-term Bond Index Fund (VBILX), we like it's 50/50 government/corporate mix and the absence of mortgage backed securities.
by ruralavalon
Tue Feb 21, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Is 60/40 too conservative for 31 year old?
Replies: 56
Views: 4564

Re: Is 60/40 too conservative for 31 year old?

My wife and I have been looking at our retirement accounts and we are thinking of switching from age in bonds to 60/40 for the long haul. We currently max our 401k's and Roth's and also invest an additional amount usually around 20k in a CD or Total Stock Market fund based on our allocation needs. ...
by ruralavalon
Tue Feb 21, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: The need for bonds if I have a pension?
Replies: 43
Views: 2696

Re: The need for bonds if I have a pension?

Welcome to the forum :) . You pose an excellent question. Hey guys, I love the website and the knowledge and confidence it has given me in the markets. I need a little wisdom about the utilization of bonds into my asset allocation. As a teacher, I'm one of the few that have a safe income in retireme...
by ruralavalon
Tue Feb 21, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett v. Bogleheads
Replies: 40
Views: 4216

Re: Warren Buffett v. Bogleheads

A common quote that I see floating around here is Warren Buffett's famous "be fearful when others are greedy, and be greedy when others are fearful". Sounds like words of wisdom, but I just realized that is market timing. How do Bogleheads reconcile this? I am not sure that is market timi...
by ruralavalon
Tue Feb 21, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Which puppy to buy: golden retriever or labrador retriever?
Replies: 120
Views: 6325

Re: Which puppy to buy: golden retriever or labrador retriever?

supersharpie wrote:We already have two cats so we are wary of shelter pups as it is difficult to determine their prey drive, especially since most are pit mixes.

Don't give up shelter dogs or mixed breeds. Our shelter dog was a lab mix, and just right for us.
by ruralavalon
Mon Feb 20, 2017 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Company choice for taxable retirement account.
Replies: 1
Views: 138

Re: Company choice for taxable retirement account.

I have about $120K to put in a taxable retirement account but haven't decided what company to use for this. I currently have rollover IRAs at Vanguard and Scottrade, and my company 401K (actually SEP-IRA) is at Fidelity. Banking is at BofA, and they are offering a nice promo if you open a Merrill E...
by ruralavalon
Mon Feb 20, 2017 9:01 am
Forum: Investing - Help with Personal Investments
Topic: How do you invest the proceeds [from your RMD?]
Replies: 22
Views: 1783

Re: How do you invest the proceeds [from your RMD?]

I usually transfer the RMD amount into a money market fund within the IRA, then send a letter to Vanguard with a list of qualified charities that I plan to donate to for the entire year. If you make them aware that these will be Qualified Charitable Deductions, they will mail you the checks and you...
by ruralavalon
Mon Feb 20, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2424
Views: 613678

Re: What Movie Have You Recently Watched?

The Maltese Falcon, with Humphrey Bogart, Mary Astor, Peter Lorre and Sidney Greenstreet.

I love this classic.
by ruralavalon
Mon Feb 20, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: 300k to invest for the long term, am I on the right track?
Replies: 10
Views: 1596

Re: 300k to invest for the long term, am I on the right track?

I am self employed. After reading Chapter 9, I think it may be a good idea to occasionally hire a consultant on an hourly basis to make sure I am on the right track. Because you are self-employed there are several other types of accounts you could use, SEP IRA, SIMPLE IRA, and individual (solo) 401...
by ruralavalon
Sun Feb 19, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2160
Views: 585901

Re: What Book Are You Currently Reading? Part VI

The Mango Opera, by TIm Corcoran.

On Key West a photographer is involved in solving a long and very complicated series of murders of his ex-girfriends.

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