Search found 24 matches

by Joe_R95
Fri Feb 16, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds — Appreciate Some Advice
Replies: 9
Views: 911

Re: Bonds — Appreciate Some Advice

The rate increases mean that newly issued bonds have a slightly higher rate of return than the ones currently held by the funds. This in turn makes the funds holdings worth a little less comparatively, and the fund price drops accordingly. As the funds bonds expire and they buy more new issues the p...
by Joe_R95
Fri Feb 16, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: buying around dividend time
Replies: 11
Views: 925

Re: buying around dividend time

The stock drops by the amount of the dividend, and you get paid the dividend. Its a wash, but in a taxable account its a taxable event so its better to buy more of the cheaper shares for the same money by buying after its paid, and not have to pay the taxes.
by Joe_R95
Sun Jan 28, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Investment thought loops have been destroying me
Replies: 31
Views: 1334

Re: Investment thought loops have been destroying me

Counseling is an acceptable reaction to an irrational behavior that causes this degree of crippling distress. In the meantime, Jason Zweig's "Your Money and Your Brain" may provide some insight into emotional responses to money. +1 The book is awesome and goes over all your behavioral issues. The s...
by Joe_R95
Tue Jan 09, 2018 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Restricting 401k Contribution
Replies: 3
Views: 434

Re: Employer Restricting 401k Contribution

Ask an HR person if their 401k passes HCE compliance testing. My companies does not, and I end up only being able to contribute about 6500/year as a result. Got a big nasty check, and tax bill the year I figured that out. If its a good opportunity take it and just invest more in taxable.
by Joe_R95
Sat Dec 02, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 30397

Re: Anyone tired of the stock market going up?

I'm tired of it going up. I didn't start investing heavily until 2015 so I missed a lot of gains, and went 30% bonds in my taxable so I'd have money in the next drop. Probably not the sentiment retirees want to hear, but I'm excited for the next big drop. If the s&p gets to the 1500-1600 range again...
by Joe_R95
Thu Nov 23, 2017 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 112
Views: 8968

Re: Interesting ride so far - Crypto-curriencies

Sounds like you could cash out the majority of your initial investment, and let the rest roll knowing if it is a bubble you haven't lost anything. Whatever your thoughts on rebalancing are, a 69.7% increase in 3.5% of your portfolio probably has your allocation out of whack.
by Joe_R95
Sat Oct 07, 2017 7:09 am
Forum: Personal Consumer Issues
Topic: Daughter's auto repair shop problems, what should we do now?
Replies: 34
Views: 3729

Re: Daughter's auto repair shop problems, what should we do now?

I'm a tech at a dealership. If she came in requesting her engine mounts be replaced, and diagnose a starting issue, her engine mounts would be replaced, and she'd get an estimate for the starting issue. That being said our diagnostic rate is a set charge of $95, $200 plus parts to replace what I ass...
by Joe_R95
Thu Mar 24, 2016 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Best & Worst Financial Decisions?
Replies: 92
Views: 10995

Re: Best & Worst Financial Decisions?

Worst was buying a new truck in 2009. Paid a little under 3/4 sticker but regretted it the day I signed the papers. Still driving it, and its still a great truck.

Best was probably buying a house and choosing to pay it off quickly(3.4 years). No debt is definitely the way to go for me.
by Joe_R95
Wed Mar 23, 2016 9:27 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy portfolio - Mutual funds or ETFs?
Replies: 46
Views: 6986

Re: Lazy portfolio - Mutual funds or ETFs?

So bond gains are taxed before withdrawal? Also, VTEBX has a higher ER than the Total Bond Market. And admiral requires minimum of $50k which is too high if bonds are going to be 20% of my portfolio. You pay tax on taxable bond distributions in a taxable account. You will be paid a little every mon...
by Joe_R95
Wed Mar 23, 2016 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy portfolio - Mutual funds or ETFs?
Replies: 46
Views: 6986

Re: Lazy portfolio - Mutual funds or ETFs?

Total Bond Market does not belong in a taxable account. If you don't have tax-sheltered accounts (401k/IRA) to hold your bond AA use ( VWITX ) Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (0.20%) or the new ( VTEBX ) Vanguard Tax-Exempt Bond Index Fund Investor Shares (0.20%). +1 be a...
by Joe_R95
Sat Mar 19, 2016 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Millionaire Next Door and Budgeting
Replies: 81
Views: 11170

Re: Millionaire Next Door and Budgeting

Its different strokes for different folks. Yes budgeting is great and you can watch every penny if you would like to. It will also help you track your progress and give you the warm and fuzzies for meeting your goals. It would be helpful for the vast majority of the population to know where the mone...
by Joe_R95
Sun Feb 28, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Camping & "Adventure" Gear for a 3 year old
Replies: 34
Views: 2317

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

Camping games like washer toss or ladderball should be fun for a 3 year old. If you're going to a real campground somewhere I've taken several kids that loved geocaching. After dark smores and stories.
by Joe_R95
Wed Feb 24, 2016 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Not allowed to fully fund my 401k? Options?
Replies: 10
Views: 1220

Re: Not allowed to fully fund my 401k? Options?

Thanks guy's. My company is smaller and will probably never vary from their 2% max for 4% contribution. Its been that way for the 14 years I've worked there, except for the years when they stopped matching. I think my only real option is to reduce my contribution so I don't get smacked on the nose a...
by Joe_R95
Tue Feb 23, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Should I buy a new car?
Replies: 32
Views: 4947

Re: Should I buy a new car?

Take if from a technician. If you're thinking of keeping it have the temp issue looked at before you do major damage to it. A $10 hose can cost you a $3500 engine. I wouldn't go new unless its worth it to you and you're willing to buy a lot of gratification. Low mileage 2-3 year old cars are general...
by Joe_R95
Tue Feb 23, 2016 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Not allowed to fully fund my 401k? Options?
Replies: 10
Views: 1220

Re: Not allowed to fully fund my 401k? Options?

Thank you. Our 401k sucks, and I'm sure most employees don't use it. The odds of them contributing more than the 2% matching, or making it better is pretty slim. I think I'm about as tax efficient as I can get, I just like the 401k to lower my taxable because without it I'd be bumping the next tax b...
by Joe_R95
Tue Feb 23, 2016 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Not allowed to fully fund my 401k? Options?
Replies: 10
Views: 1220

Not allowed to fully fund my 401k? Options?

Got a call from my accounting department today saying that they needed to pull some money out of my 401k and reissue my w2 because they were going to get in trouble and have to pay some kind of fine if they didn't. I only contributed $13k last year, but was on track to fully fund it this go round. A...
by Joe_R95
Sun Dec 27, 2015 11:03 am
Forum: Personal Consumer Issues
Topic: Turn off water heater on vacation?
Replies: 93
Views: 64602

Re: Turn off water heater on vacation?

+1 on turning the knob on it to vacation mode. Make SURE you shut your water off. I had a $37k insurance claim last year because the flex line to a toilet burst while I was on vacation.
by Joe_R95
Thu Dec 24, 2015 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Market timing
Replies: 19
Views: 2423

Re: Market timing

I set mine on autopilot. Direct draft on the 28th of every month set amount(wasn't sure what they'd do about February if I did the 30th). The allocation is also automatically set. My investment schedule replaced a mortgage payment that was at the end of the month so I'm use to it anyway. Anything yo...
by Joe_R95
Fri Dec 18, 2015 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Setting up a portflio for the new year. Seeking Tips and Advice
Replies: 6
Views: 845

Re: Setting up a portflio for the new year. Seeking Tips and Advice

My comments/questions: Once you drop the account management in the 401k will that eliminate the net asset fees? Your 401k doesn't have very good international options so I recommend using your taxable and Roth IRA accounts for international. I have to call them to ask that, cancel it, then send it ...
by Joe_R95
Fri Dec 18, 2015 12:08 am
Forum: Personal Consumer Issues
Topic: Should I just give my wife (folded) money?
Replies: 76
Views: 11310

Re: Should I just give my wife (folded) money?

I keep a list of things in my phone that my girlfriend thought was cool, got excited about, or just had to show me because whatever it was was awesome. She probably tells you things she likes or is interested in on a regular basis. I use the list when gift times come up. They are always a hit becaus...
by Joe_R95
Thu Dec 17, 2015 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Setting up a portflio for the new year. Seeking Tips and Advice
Replies: 6
Views: 845

Re: Setting up a portflio for the new year. Seeking Tips and Advice

I agree it should be 7%, but doing the math I've currently paid 5.6% of taxable income in state taxes, and I usually have to pay the state 250-300$ at tax time. I'll do my best googling these, but nationwide doesn't provide ticker symbols anywhere I can find. Also I've been paying them a percentage ...
by Joe_R95
Wed Dec 16, 2015 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Setting up a portflio for the new year. Seeking Tips and Advice
Replies: 6
Views: 845

Re: Setting up a portflio for the new year. Seeking Tips and Advice

How many months of expenses is this? Emergency Fund--The 10k should get me through 6-10 month depending on how lean I need to run it. I have other options to get cash if I need it before tapping into investments as well. What state? Arkansas You are allowed to make a non-deductible contribution to ...
by Joe_R95
Wed Dec 16, 2015 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Setting up a portflio for the new year. Seeking Tips and Advice
Replies: 6
Views: 845

Setting up a portflio for the new year. Seeking Tips and Advice

First off I want to thank you all. I've been reading this board and books that have been suggested for several weeks(Bogle on mutual funds, the Bogleheads Guide, and I'm half way through a Ferri book) and I hope that I've found a new home here with the bogleheads. I've been impressed with the wealth...