Search found 7853 matches

by ruralavalon
Wed May 25, 2016 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Priorities
Replies: 6
Views: 393

Re: Advice on Priorities

Ask HR if there is an employer match offered.

Do you have any debt besides the 6.55% student loans? Is the loan interest on your student loans deductible?

What is your marginal tax rate, both federal and state?
by ruralavalon
Wed May 25, 2016 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Priorities
Replies: 6
Views: 393

Re: Advice on Priorities

What are the types, amounts and interest rates on your student debt? Is there an employer match offered in your 403b? Is there a High Deductible Health Plan (HDHP) offered at work, so that you are eligible to use a Health Savings Account (HSA)? There is one right answer for all persons in all situat...
by ruralavalon
Wed May 25, 2016 7:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do Households Save More When the Kids Leave Home?
Replies: 7
Views: 655

Re: Do Households Save More When the Kids Leave Home?

The Boston College Brief is not translatable to many folks on this forum. It looks only at whether W-2 data showed contributions to 401k accounts increased after the kids had flown. In our case, as for many here, that didn't/couldn't happen. (And FWIW, our savings rate shot way up after the private...
by ruralavalon
Wed May 25, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to handle real estate commission if I bring the buyer to table?
Replies: 3
Views: 461

Re: How to handle real estate commission if I bring the buyer to table?

When downsizing we felt confident that we could sell our house without help, but wanted help primarily in finding a new place. We didn't sign any kind of listing agreement, we hired a buyer's agent and asked her to give us a range of what we should expect our home to sell for. She looked at comparab...
by ruralavalon
Wed May 25, 2016 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: help with 401 and 457
Replies: 12
Views: 1006

Re: help with 401 and 457

So my balance in 401 k is 224k and 457 is 72.9k. Total 296.9k I really don't know how I misread that. How would you go about making these changes. Would you recommend making the changes immediately or over a period of time in terms of moving the funds from the fidelity freedom fund to these funds s...
by ruralavalon
Wed May 25, 2016 11:19 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Critique
Replies: 2
Views: 263

Re: Portfolio Critique

I suggest the S&P 500 Index ETF, it covers about 80% of the U.S. stock market, and in the 24 years since the creation of the total market fund the S&P 500 and total market funds have had nearly identical performance. I can't comment on the hedged vs non-hedged issue. Why no bond or fixed inc...
by ruralavalon
Wed May 25, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: 401K Allocation Exposure - S&P Indexes (Small, Mid, Large)
Replies: 2
Views: 155

Re: 401K Allocation Exposure - S&P Indexes (Small, Mid, Large)

My company's 401K offers the following funds: Blackrock Advisors (ER 1.28) Principle S&P 500 Index (ER 0.31) Mainstay Large Cap Growth (ER 1.09) American Century Mid-Cap Value (ER 1.51) Principal Mid Cap S&P 400 Index (ER 0.31) Prudential Jenn Mid Cap Growth (ER 1.5) Fidelity Small Cap Valu...
by ruralavalon
Wed May 25, 2016 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Do I need both total stock market and small cap index fund?
Replies: 7
Views: 728

Re: Do I need both total stock market and small cap index fund?

Quick question. In my employer plan through Vanguard I have the option to do both Vanguard Institutional Total Stock Market Index Fund Institutional Plus Shares and Vanguard Small-Cap Index Fund Institutional Shares. Is there any reason I would do both or should I just keep it simple and do Total S...
by ruralavalon
Wed May 25, 2016 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Did you retire before normal retirement age?
Replies: 51
Views: 5682

Re: Did you retire before normal retirement age?

mptfan wrote:What is normal retirement age?

Private sector, 67.
Public sector, ??
by ruralavalon
Tue May 24, 2016 9:11 pm
Forum: Investing - Theory, News & General
Topic: Musings on Wikipedia post on Jack Bogle
Replies: 12
Views: 1011

Re: Jack Bogle and his words of wisdom

i still think people should read the books though. they are great reinforcing tools and i love seeing the research that backs up the advice. Funny. That is another reason I don't read books about finance any more. I am highly critical of most of the research methodology applied in finance, includin...
by ruralavalon
Tue May 24, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1548
Views: 349675

Re: What Book Are You Currently Reading? Part VI

On the Border with Crook , by Robert J Bourke. "[Y]ou can never know a man until after having made a scout with him in bad weather." The author was a staff officer with General Crook during the Apache Wars in Southern Arizona and the Sioux Wars in Nebraska, the Dakotas and Montana in the ...
by ruralavalon
Tue May 24, 2016 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Reinvesting large amount of cash
Replies: 10
Views: 1027

Re: Reinvesting large amount of cash

Even if we assume that going to cash is a good move at year x, still there is always the problem.of whether year y is a good time to reinvest :( . Sadly we don't know the answer to that question, and will never know in advance. 1) Simply ignore the commentators, they don't know either. 2) If afraid ...
by ruralavalon
Tue May 24, 2016 11:01 am
Forum: Investing - Theory, News & General
Topic: OMG - The Tell Tale Chart - '08 & the Fed
Replies: 11
Views: 1542

Re: OMG - The Tell Tale Chart - '08 & the Fed

Yes, the 2008 temporary government backstop of federal insurance did prevent panic in users of other money market funds. Worth noting -- 1) regulatory changes regarding market funds will likely be effective in preventing future panics of the same sort; and 2) as I recall, the federal insurance did n...
by ruralavalon
Tue May 24, 2016 10:01 am
Forum: Investing - Theory, News & General
Topic: OMG - The Tell Tale Chart - '08 & the Fed
Replies: 11
Views: 1542

Re: OMG - The Tell Tale Chart - '08 & the Fed

goldenbb wrote:Were you investing back then? The Money Markets almost all broke the $1 . . . . .

As I recall only one money market fund "broke the buck", that was The Reserve Primary Fund. What other money market funds "broke the buck" in 2008?
by ruralavalon
Tue May 24, 2016 8:46 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio [Help with investment options]
Replies: 5
Views: 641

Re: The Three-Fund Portfolio [Help with investment options]

Welcome to the forum :) . Hi, I'm getting ready to set up my three fund portfolio using Vanguard funds, but have a couple of questions before I do this and was hoping you guys could help. 1) I was initially going to use VTSMX, VGTSX, and VBMFX in my three fund portfolio, but I then discovered the Ad...
by ruralavalon
Mon May 23, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Excessive Expense Ratios for Index Funds in 401(k)
Replies: 10
Views: 658

Re: Excessive Expense Ratios for Index Funds in 401(k)

Thank you all for your replies. The funds I have is the: PLFMX with an ER of 0.78%. (and similar other funds with 0.73 to 0.78% ERs). So it does look like they are trying to pass on the Admin Fees to us. I guess I don't have choice here, than go with the flow and enjoy the 'tax advantages' of the 4...
by ruralavalon
Mon May 23, 2016 6:06 pm
Forum: Investing - Theory, News & General
Topic: Bernstein says emergency fund part of your "asset allocation?"
Replies: 51
Views: 3919

Re: Bernstein says emergency fund part of your "asset allocation?"

I just finished reading it and I got the impression he was referring mainly to retirees when he said that. I'll have to double check. We've already "lost" our jobs so it's all an emergency fund in a sense. steve I just finished reading it and I got the impression he was referring mainly t...
by ruralavalon
Mon May 23, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1623
Views: 338218

Re: What Movie Have You Recently Watched?

The Cheap Detective.

This movie is an hilarious parody of two movie classics, Casablanca and The Maltese Falcon. Peter Falk plays the Humphrey Bogart character. I recommend this movie.
by ruralavalon
Mon May 23, 2016 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Rollover Fund Question
Replies: 10
Views: 749

Re: 401K Rollover Fund Question

Those are probably Collective Investment Trusts (CITs) rather than mutual funds. Morningstar, "What is a Collective Investment Trust?" . That's probably why there are no tickers. In your 401k materials or at the 401k website there will be a fact sheet for each CIT which states the index u...
by ruralavalon
Mon May 23, 2016 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: help with 401 and 457
Replies: 12
Views: 1006

Re: help with 401 and 457

Asset allocation. Age: 37 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 30-40% In my opinion your desired asset allocation is within the range of what is reasonable. I suggest international at 20 - 30% of stocks. Vanguard paper, "Considerations for investin...
by ruralavalon
Mon May 23, 2016 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k plan offerings...how do i tell?
Replies: 15
Views: 1084

Re: Fidelity 401k plan offerings...how do i tell?

Questions. Your husband's 10% contribution to his 401k is how much in dollars? How much (in dollars) additional do no think that you may be able to contribute toward investing annually? Do you have any type of retirement plan at your small business? In the joint taxable account, what is the unreali...
by ruralavalon
Sun May 22, 2016 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: help with 401 and 457
Replies: 12
Views: 1006

Re: help with 401 and 457

I started contributing about 1k each week to the taxable account for the last 6 months. I just increased that amount to 2 k per week last week as i have a balance of 200k in a high yield savings account which i would like to invest. . . . . . I am planning to contribute 50k to the taxable account o...
by ruralavalon
Sun May 22, 2016 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2329

Re: Still double checking bank checkbook math?

I was just wondering how many people still do the math every month double-checking the bank's math on your checkbook. Maybe I am the exception, but I have never found a math error in my checkbook, yet I still do the math every month. Maybe it's time to let that go....maybe still look at the entries...
by ruralavalon
Sun May 22, 2016 7:23 am
Forum: Investing - Help with Personal Investments
Topic: help with 401 and 457
Replies: 12
Views: 1006

Re: help with 401 and 457

Balance in the roth IRAs is 17 k and 22k Taxable account has 52K I started contributing about 1k each week to the taxable account for the last 6 months. I just increased that amount to 2 k per week last week as i have a balance of 200k in a high yield savings account which i would like to invest. I...
by ruralavalon
Sat May 21, 2016 7:48 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11662

Re: Is there a such thing as a blue collar Boglehead?

I think that we are all just guessing about the relative numbers of forum users in various types of occupations. Most of the time we don't know a poster's occupation. The occupation would usually come up only in the portfolio help sub-forum. I may have missed some but of the approximately 49 initial...
by ruralavalon
Sat May 21, 2016 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: help with 401 and 457
Replies: 12
Views: 1006

Re: help with 401 and 457

What is the balance in each of the two Roth IRAs? Are there any other accounts in addition to the 401k, 457 and the two Roth IRAs? About how much (in dollars, total all accounts) do you expect that you might be contributing to investments annually in the foreseeable future? About how much do you exp...
by ruralavalon
Sat May 21, 2016 10:36 am
Forum: Investing - Help with Personal Investments
Topic: DODIX [Dodge & Cox Income]
Replies: 52
Views: 1721

Re: DODIX

What would you think if everyone was saying oh why did you sell this. It is such a great performer. It does better than Vanguard. Big mistake..... Seriously this is a no win. Whatever I say it's wrong you pick it apart. What would you think if everyone was saying oh why did you sell this. It is suc...
by ruralavalon
Sat May 21, 2016 10:10 am
Forum: Investing - Help with Personal Investments
Topic: DODIX [Dodge & Cox Income]
Replies: 52
Views: 1721

Re: DODIX

Shakenbake, it might be helpful to you to post your entire situation for advice following the sticky below. That, of course, would be up to you. The reason I suggest it is that funds can't really be considered in isolation but have to take into account the entire situation: https://www.bogleheads.o...
by ruralavalon
Sat May 21, 2016 9:24 am
Forum: Investing - Help with Personal Investments
Topic: When to sell?
Replies: 86
Views: 4108

Re: When to sell?

OP - When I was in your situation I found it easier to read the short article "If You Can" article by Bernstein first and then work my way through the Getting Started section here. You will find most of us will recommend a course of action that is very close to the actionable steps outlin...
by ruralavalon
Sat May 21, 2016 9:00 am
Forum: Investing - Help with Personal Investments
Topic: is it worth it to add REITs to my simple 3 fund portfolio?
Replies: 24
Views: 1158

Re: is it worth it to add REITs to my simple 3 fund portfolio?

Following this post. I want to add too. I see the minimum for IRA is $3,000. I think I noticed REIT'S also pay dividends is that correct? The Vanguard REIT Index Fund is fairly volatile, since the relatively tiny drop in Dodge & Cox Income (DODIX) ER 0.43% bothered you so much you should not ev...
by ruralavalon
Sat May 21, 2016 8:52 am
Forum: Investing - Help with Personal Investments
Topic: is it worth it to add REITs to my simple 3 fund portfolio?
Replies: 24
Views: 1158

Re: is it worth it to add REITs to my simple 3 fund portfolio?

In my opinion yes, it's likely worth adding Vanguard REIT Index Fund. I use it at 10% of stocks, and have used it for many years. It has a fairly low correlation with the total stock market, and may provide some inflation protection. See Wm. Bernstein's The Four Pillars of Investing , p. 123 (2002)....
by ruralavalon
Sat May 21, 2016 8:36 am
Forum: Investing - Help with Personal Investments
Topic: DODIX [Dodge & Cox Income]
Replies: 52
Views: 1721

Re: DODIX

yeah I didn't like it. I had 16,900.00 invested in it and it kept sliding down. Made me a nervous wreck. Then seriously consider just using federally insured CDs. What else are you currently invested in now that you have dropped DODIX? What sort of accounts are you using, 401k, IRA? What is your ag...
by ruralavalon
Sat May 21, 2016 8:31 am
Forum: Investing - Help with Personal Investments
Topic: DODIX [Dodge & Cox Income]
Replies: 52
Views: 1721

Re: DODIX

BTW, over both the last five year and ten year periods DODIX has performed ever so slightly better than both Barclays US Agg and Vanguard's Total Bond Admiral..... so exactly where were you going to put your bond money that you were expecting to do better, if not meaningfully better? Better than To...
by ruralavalon
Sat May 21, 2016 7:48 am
Forum: Investing - Help with Personal Investments
Topic: DODIX [Dodge & Cox Income]
Replies: 52
Views: 1721

Re: DODIX

Dodge & Cox Income (DODIX) ER 0.43% is an excellent managed bond fund.

What problem do you think that see with it?

If a $50 drop terrifies you, better skip stocks and bonds entirely and stick to federally insured CDs.

I think the MetLife guy was pretty sharp.
by ruralavalon
Sat May 21, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: Stocks, Bonds, and "Real Assets" (TIPS, REITs, Commodities)
Replies: 28
Views: 1899

Re: Stocks, Bonds, and "Real Assets" (TIPS, REITs, Commodities)

It is curious that he has Bernstein's recommended portfolio as 0% real assets. Maybe this is an old reference. His recent advice for those in retirement (or getting close) is to have enough in real assets (TIPS ladder preferred or perhaps an inflation indexed annuity) to cover basic needs beyond pe...
by ruralavalon
Sat May 21, 2016 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Questions about Bond Funds at Vanguard
Replies: 4
Views: 767

Re: Questions about Bond Funds at Vanguard

Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares (VWIUX). Number of bonds = 5733, credit quality = 95% A or better, duration = 4.8 years. Vanguard California Intermediate-Term Tax-Exempt Fund Admiral Shares (VCADX). Number of bonds = 2575, credit quality = 93% A or better, duration = 4.9 ye...
by ruralavalon
Sat May 21, 2016 6:45 am
Forum: Investing - Help with Personal Investments
Topic: help with 401 and 457
Replies: 12
Views: 1006

Re: help with 401 and 457

Welcome to the forum :) . It's good to see that you are debt free, and interested in using low expense ratio index funds to invest. Age: 37 Desired Asset allocation: 80% stocks / 20% bonds Desired International allocation: 30-40% In my opinion your desired asset allocation is within the range of wha...
by ruralavalon
Sat May 21, 2016 6:16 am
Forum: Investing - Help with Personal Investments
Topic: Glide Path: Do you have set allocation percentages planned out by year?
Replies: 23
Views: 945

Re: Glide Path: Do you have set allocation percentages planned out by year?

We are 70, I have been retired since 2011, our asset allocation has been 50/50 since 2008, and we plan to stay at that allocation for the foreseeable future.

I never had a glidepath in mind.
by ruralavalon
Fri May 20, 2016 7:53 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11662

Re: Is there a such thing as a blue collar Boglehead?

I don't qualify since I was middle income before I retired. But I think being a Boglehead is more a state of mind than measure of financial worth. Those who have less to invest will end with less in the long run. But they will end up with more than non-Bogleheads of the same income level. That is t...
by ruralavalon
Fri May 20, 2016 6:07 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 299
Views: 48028

Re: What age did you reach 100K networth?

I have absolutely no idea.
by ruralavalon
Fri May 20, 2016 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Adding a differnet Bond fund to my retirement account?
Replies: 6
Views: 444

Re: Adding a differnet Bond fund to my retirement account?

Respectfully, I would pass on the non Vanguard funds and quite frankly I do not see a reason to add a fifth bond fund. You did ask for opinions. :) I appreciate that. Not a fan of TIPs at the moment, don't see much there but maybe when I get closer to retirement or if it seems like the prevailing o...
by ruralavalon
Fri May 20, 2016 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads: Investment Advice
Replies: 3
Views: 286

Re: New to Bogleheads: Investment Advice

Questions 1) My first question is about asset allocation. As you can see from my choice of investments up above, I knew nothing about asset allocation when I chose what funds to contribute to. I am in the middle of reading, "The Boglehead's guide to investing" and have done some other res...
by ruralavalon
Fri May 20, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: VNQ in Taxable Account?
Replies: 11
Views: 897

Re: VNQ in Taxable Account?

For REIT exposure, I understand it's recommended to put VNQ in a retirement account because it's taxed as ordinary income but I don't have any retirement/tax advantaged accounts. Would it be better to just skip the exposure altogether or put it in a taxable account if those are the only two options...
by ruralavalon
Fri May 20, 2016 4:27 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11662

Re: Is there a such thing as a blue collar Boglehead?

Also in the 15% or lower brackets, retirees without pensions who live on Social Security and their hard-earned savings. For many on Social Security the 15% bracket is really 30% because of the additional amount of Social Security that is taxed for every dollar acquired. Even "tax free" in...
by ruralavalon
Fri May 20, 2016 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Adding a differnet Bond fund to my retirement account?
Replies: 6
Views: 444

Re: Adding a differnet Bond fund to my retirement account?

I think its best to continue with Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) in the 401k. I wouldn't substitute any of the 3 options you listed, they have higher expenses, greater risk, longer duration, and/or poor credit quality. So I see no advantage to using the other funds. In ...
by ruralavalon
Fri May 20, 2016 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Terrible 401k options...what to do?
Replies: 17
Views: 854

Re: Terrible 401k options...what to do?

I want to thank everyone for their comments and suggestions. I put together a little sheet outlining our plan vs other plans for my partners and they seemed to "get it" this time. We have our financial person already shopping quotes from Employee Fiduciary and Ubiquity. That's wonderful. ...
by ruralavalon
Fri May 20, 2016 3:45 pm
Forum: Investing - Theory, News & General
Topic: Is there a such thing as a blue collar Boglehead?
Replies: 149
Views: 11662

Re: Is there a such thing as a blue collar Boglehead?

It's quite common on this forum to see individuals and couples in the 15% tax bracket, over 42 million American households fall into the 15% bracket making it the most common tax bracket, and that bracket would probably include most blue collar jobs. And the very wealthy who have accountants with s...
by ruralavalon
Fri May 20, 2016 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Financial Engines 401k management
Replies: 26
Views: 1680

Re: Financial Engines 401k management

So my company offers 401k portfolio management through Financial Engines. I looked at their online advice to see what they'd recommend. My 401k: Vanguard Total Stock Market 63% Vanguard Total International 27% Vanguard Total Bond 10% Their recommendations: Vanguard Total Bond 11% Vanguard 500 Index...
by ruralavalon
Fri May 20, 2016 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations for College Grad Gift [to start investing]
Replies: 8
Views: 538

Re: Recommendations for College Grad Gift [to start investing]

BH team... My niece graduated from college this week. She is working towards finding full-time work in secondary education. My wife and I would like to gift her $1,000 (and a copy of The Little Book...) and help her get started on her own road to riches ;) I intend to go with her to a local Schwab ...

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