Search found 133 matches

by kelway
Sat Nov 28, 2020 9:03 pm
Forum: Personal Investments
Topic: Willing to share your Taxable Portfolio?
Replies: 138
Views: 10349

Re: Willing to share your Taxable Portfolio?

VTI - 27% (Total US Mkt)
SLYV - 17% (domestic small value)
VXUS - 15% (Total Int Mkt)
VSS - 13% (International small w/ emerging)
RPV - 8% (domestic mid/large Value)
IJR - 8% (domestic small blend)
DLS - 7% (International small value)
VWO - 5% (Emerging)
by kelway
Sat Nov 28, 2020 8:32 pm
Forum: Personal Investments
Topic: Heads Up - Rebalance
Replies: 36
Views: 3912

Re: Heads Up - Rebalance

That first post is just spooky.........
by kelway
Sat Nov 21, 2020 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Child Roth rules
Replies: 12
Views: 896

Re: Child Roth rules

DELETED - I was good and wrong by considering this wouldn't be self employment income... not so sure why babysitting isn't self-employment while selling baked goods is, however...
by kelway
Sat Nov 21, 2020 10:50 pm
Forum: Personal Consumer Issues
Topic: Flaunt Your High-Mileage Car
Replies: 661
Views: 93724

Re: Flaunt Your High-Mileage Car

2007 Honda Civic ("Soft Horse") hit 250k this week... the engine block cracked (was a known, warranted issue) at around 120k, and it was fully replaced then. I'm taking this car to at least 300k and hopefully 401k. I worry only for the transmission and the brown buildup on the armrest.
by kelway
Sat Nov 21, 2020 9:05 pm
Forum: Personal Investments
Topic: Percentage of the vanguard int. stock Index
Replies: 38
Views: 2485

Re: Percentage of the vanguard int. stock Index

I find I like 60/40 ratios in investing. 60% domestic, 40% international. Within that, 60% large, 40% small... within that, 60% blend/growth, 40% value.
by kelway
Sun Oct 25, 2020 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage pay off or invest
Replies: 9
Views: 823

Re: Mortgage pay off or invest

I have no use for Dave Ramsey quotes or the man himself, but I have derived a lot of whatever it is I can't explain by paying off our house well before the mortgage end date. I'd say the math needs to be pretty glaring to offset the value you get from that.
by kelway
Sat Oct 17, 2020 6:49 am
Forum: Personal Consumer Issues
Topic: Items that are worth the money for the quality
Replies: 484
Views: 38879

Re: Items that are worth the money for the quality

Guitar Amplifiers, Couches, Game Controllers, Pots and Pans, Computer keyboards, Sneakers, Mattress, Sparkling water, Desk chair,
by kelway
Fri Sep 25, 2020 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tech/IT to govt jobs
Replies: 68
Views: 4997

Re: Tech/IT to govt jobs

oldfort wrote: Fri Sep 25, 2020 2:34 pm
As a gross generalization, GS-15s fall into one of these categories: upper management, so imagine someone with a 100 direct reports, a true technical expert, think PhD with published papers ....
100 direct reports? Who could manage that?!
by kelway
Thu Sep 24, 2020 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank savings interest rate dropping from 0.8% to 0.6%
Replies: 117
Views: 10701

Re: Ally Bank savings interest rate dropping from 0.8% to 0.6%

As anticipated, I just got an email from Ally Bank announcing their savings interest rate will be dropping from 0.8% to 0.6% effective 9/25/2020... now matching Macus which also recently dropped down to 0.6%. Adding the relevant text from the email: "...we’re writing to let you know that the A...
by kelway
Fri Sep 18, 2020 3:26 pm
Forum: Personal Consumer Issues
Topic: YouTube in Background on iOS14
Replies: 8
Views: 712

Re: YouTube in Background on iOS14

See this site... Questionable whether they'll make the YouTube app compatible with the new iOS 14 Picture in Picture functionality... https://www.macrumors.com/how-to/youtube-picture-in-picture-safari/ Edit - ah but dang they removed this workaround... likely on purpose: https://www.macrumors.com/20...
by kelway
Thu Sep 17, 2020 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for retirement in mid 30s
Replies: 311
Views: 21145

Re: Preparing for retirement in mid 30s

Just make sure you guys don't get a divorce -- that will kill your plan. Yes! Guard that marriage like the wolf. Never stop with the flowers and let her keep the house at whatever temperature she likes. When menopause hits, allow even 62 degrees. I don't really think 45k is enough. I think it's eas...
by kelway
Sun Sep 13, 2020 9:10 am
Forum: Personal Investments
Topic: How much are your 529 Contributions
Replies: 133
Views: 7634

Re: How much are your 529 Contributions

Deleted
by kelway
Thu Sep 10, 2020 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: How to stop judging how other people spend/invest
Replies: 76
Views: 4993

Re: How to stop judging how other people spend/invest

All, Now that I've been implementing a Dave Ramsey/BogleHead/Index Only/Cash Only/No Debt lifestyle, I have a hard time with judging how others (family, friends, etc.) spend their money. I know it's not my money/doesn't affect me rationally, but when a friend casually mentions how they are going to...
by kelway
Thu Sep 10, 2020 7:28 pm
Forum: Personal Investments
Topic: How do your minor children invest?
Replies: 19
Views: 1582

Re: How do your minor children invest?

Hello Bogleheads Please share how you invest on behalf of your minor children. I’m not talking about college investing (529 accounts). I’m talking about investing for their own Networth for those who opted to do so. Do you encourage your kids to invest? Do you use UTMAs? Do you invest under your ow...
by kelway
Mon Sep 07, 2020 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: House sale quandary - under contract!
Replies: 71
Views: 10160

Re: House sale quandary - got offer from neighbor before agent listed house

I could use some advice here, because I think we're in a bit of a gray area. We are selling our house. Last week we contacted a real estate agent about selling it, but the listing has not gone up yet. She's done some prep work and the plan was to list next Saturday. In the meantime a neighbor heard...
by kelway
Mon Sep 07, 2020 10:59 am
Forum: Personal Investments
Topic: ROTH vs. Traditional - How Did You Choose?
Replies: 34
Views: 2171

Re: ROTH vs. Traditional - How Did You Choose?

Curious to know how you made the decision between investing in a ROTH IRA, or a Traditional IRA? Did you follow a standard formula, or train of thought? Or did you make a more personal decision based on your situation and/or goals? I just diversify about 50/50 between Roth and Traditional (consider...
by kelway
Mon Aug 31, 2020 5:25 pm
Forum: Personal Investments
Topic: Pre-fill kids' 529 now or hold off and keep the money more accessible?
Replies: 14
Views: 1242

Re: [Pre-fill kids' 529 now or hold off because college is deprioritized?]

I'm now well-over-funded for my sons' college thanks to my in-laws. My thought is certainly not to put all the necessary principal in today because indeed the notion of college is likely to see a LOT of change in the next 15 years. I'd space it out so you can continually reevaluate if you've done en...
by kelway
Sun Aug 30, 2020 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Life change after laid off?
Replies: 30
Views: 3583

Re: Life change after laid off?

It will be relevant to note that my wife and I have a bit over $6 million of liquid assets in stocks and funds. Yep. That's good and relevant. Consider that you're at my dream finish line. It's time to see the world and slow travel and drink coffee and enjoy many indian buffets and whatever else yo...
by kelway
Tue Aug 25, 2020 7:25 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri's portfolio more in line in spirit with EW than market cap weighting?
Replies: 27
Views: 4200

Re: Rick Ferri's portfolio more in line in spirit with EW than market cap weighting?

TechGuy365 wrote: Mon Aug 24, 2020 5:14 pm30% of a 70/30 portfolio is 21% but I see your point. I’m an all-cake, no icing, where is the beef kinda techguy but some people like the sweetness of frosting 😀
Well 30% international is still cake, I would say. I was referring to 20% small value and 10% REITs from Rick’s targets as the frosting.
by kelway
Mon Aug 24, 2020 4:27 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's portfolio more in line in spirit with EW than market cap weighting?
Replies: 27
Views: 4200

Re: Rick Ferri's portfolio more in line in spirit with EW than market cap weighting?

It's just the flavor of the frosting that I prefer on my cake. Like the color of your car - it doesn't make it go any faster or get better gas mileage, but we still spend much more time on color than what makes the car go forward. It's interesting if you're into that sort of stuff, but I have no id...
by kelway
Mon Aug 24, 2020 4:24 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Tennessee
Replies: 116
Views: 13788

Re: Thoughts on Tennessee

I live in a suburb of Nashville, Smyrna, and I quite like it here save for the climate. We have all the seasons, but the summers can be dogs for the humidity. I plan to retire here as well, but would consider a move to Chattanooga for the almost San-Francisco-like feeling (not the weather!) up in th...
by kelway
Fri Aug 21, 2020 5:52 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's portfolio more in line in spirit with EW than market cap weighting?
Replies: 27
Views: 4200

Re: Rick Ferri's portfolio more in line in spirit with EW than market cap weighting?

Here are my targets for equity: 40% Total US 30% Total International 20% US Small Value 10% REITs Rick Ferri I’m comforted yet surprised to see this target allocation after gathering from various podcasts that you had changed to a standard Boglehead 3 fund portfolio. I guess it’s as you suggested: ...
by kelway
Fri Aug 21, 2020 12:03 am
Forum: Personal Investments
Topic: What is your asset allocation and what future % returns are you expecting?
Replies: 91
Views: 6239

Re: What is your asset allocation and what future % returns are you expecting?

I'm here on my glide path with 35% of equities international... something around 13% in fixed income => 20% by my 50th in 5 years (wow I just put that in writing and it stings). I suppose I'm expecting something around 4-5% real return for this given my tilt to small/value and high domestic valuatio...
by kelway
Sat Aug 15, 2020 6:05 pm
Forum: Personal Investments
Topic: Choosing an SCV ETF
Replies: 10
Views: 877

Re: Choosing an SCV ETF

A tight race for sure, but I leaned to SLYV for the slim spread and associated trade volume. It's not the biggest concern on the menu.
by kelway
Thu Aug 13, 2020 10:30 am
Forum: Investing - Theory, News & General
Topic: SLYV - Wilshire Small Value? SP600 Small Value?
Replies: 4
Views: 252

SLYV - Wilshire Small Value? SP600 Small Value?

Hi - I'm trying to understand why SLYV references both Wilshire Small Cap Value index tracking and the SP600 Small Value index. One must be a subset of the other. Thanks- The SPDR® S&P® 600 Small Cap Value ETF seeks to provide investment results that, before fees and expenses, correspond general...
by kelway
Tue Aug 11, 2020 2:03 pm
Forum: Personal Investments
Topic: Moving to Cash?
Replies: 158
Views: 11567

Re: Moving to Cash?

Thegame14 wrote: Tue Aug 11, 2020 11:42 am Tell me how we can only be 3% worse off now than we were pre-corona virus?
Trillions in stimulus?
by kelway
Sat Aug 08, 2020 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: deferred payroll tax implications?
Replies: 77
Views: 5601

Re: deferred payroll tax implications?

I make 102K annually but about 8500 monthly. Interesting to see if I qualify. Seems you will... I halfway think you could end up getting this AND a "1200 check" depending on these next days. Considering only oneself, it could be good. But your kids, Marty... Something has to be done by yo...
by kelway
Sat Jun 20, 2020 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating price post an old house inspection
Replies: 48
Views: 3011

Re: Negotiating price post an old house inspection

JHU ALmuni wrote: Sat Jun 20, 2020 8:30 am Don't by it, the list is too long :shock:
Don't buy it - it has 5 bloody HVAC units to manage!
by kelway
Fri Jun 12, 2020 5:07 pm
Forum: Personal Investments
Topic: 401k Committee - arguing for Small Value fund
Replies: 16
Views: 1080

Re: 401k Committee - arguing for Small Value fund

Had to use a different share class to get a longer back-test (it actually has a higher ER than the one they listed), but here you can see that an S&P600 value index fund at-least beat the WF one... Maybe you can get them to add SLYV, IJS, or VIOV? These all track the same index at 0.15%-0.25% E...
by kelway
Mon May 18, 2020 5:35 pm
Forum: Personal Investments
Topic: 401k Committee - arguing for Small Value fund
Replies: 16
Views: 1080

Re: 401k Committee - arguing for Small Value fund

Had to use a different share class to get a longer back-test (it actually has a higher ER than the one they listed), but here you can see that an S&P600 value index fund at-least beat the WF one... Maybe you can get them to add SLYV, IJS, or VIOV? These all track the same index at 0.15%-0.25% E...
by kelway
Mon May 18, 2020 5:32 pm
Forum: Personal Investments
Topic: 401k Committee - arguing for Small Value fund
Replies: 16
Views: 1080

Re: 401k Committee - arguing for Small Value fund

Hi All, I'm on my company's 401k committee, and it looks like we will finally get a domestic small value fund in the lineup (now that we have an outside CFP suggesting the same), but I'm so far uncomfortable with the fund(s) they recommend for this. Being mostly a Boglehead, I'm in favor of index-b...
by kelway
Mon May 18, 2020 5:31 pm
Forum: Personal Investments
Topic: 401k Committee - arguing for Small Value fund
Replies: 16
Views: 1080

Re: 401k Committee - arguing for Small Value fund

Since you recommended FISVX may I assume youre at Fidelity? Maybe the easier path is their brokeragelink option so you can pick whatever you want? Hi yes, we're with Fidelity. I use BrokerageLink for myself (in SLYV for this), but that's $100 per year to participate, and you'll know that most peopl...
by kelway
Thu May 14, 2020 12:50 pm
Forum: Personal Investments
Topic: 401k Committee - arguing for Small Value fund
Replies: 16
Views: 1080

401k Committee - arguing for Small Value fund

Hi All, I'm on my company's 401k committee, and it looks like we will finally get a domestic small value fund in the lineup (now that we have an outside CFP suggesting the same), but I'm so far uncomfortable with the fund(s) they recommend for this. Being mostly a Boglehead, I'm in favor of index-ba...
by kelway
Wed Apr 22, 2020 4:15 pm
Forum: Personal Investments
Topic: Reason to prefer asset class category separation?
Replies: 3
Views: 230

Re: Reason to prefer asset class category separation?

Thanks both - makes sense...
by kelway
Tue Apr 21, 2020 5:29 am
Forum: Personal Investments
Topic: How can I "buy into oil" at these prices?
Replies: 57
Views: 5846

Re: How can I "buy into oil" at these prices?

I’m personally curious to know if any novice ends up somehow having to deal with the aftermath of canceling a delivery of thousands of barrels of oil and what that would even mean.
by kelway
Tue Apr 21, 2020 5:25 am
Forum: Investing - Theory, News & General
Topic: Is deflation good or bad for the S&P 500?
Replies: 38
Views: 3917

Re: Is deflation good or bad for the S&P 500?

Inflation encourages us and corporations to buy now. If we know a good or service will be cheaper in the following months, then it clearly encourages us to hold off. That can’t be a good thing for the markets.
by kelway
Fri Apr 17, 2020 5:25 pm
Forum: Personal Investments
Topic: Reason to prefer asset class category separation?
Replies: 3
Views: 230

Reason to prefer asset class category separation?

Hi - Put simply in a specific scenario: why might I prefer to choose FNDC + some small emerging markets ETF over VSS (which includes emerging markets), all else being equal? For slice and dice portfolios, I often see this separation as a virtue and I want to be sure I understand why. My suspicion is...
by kelway
Wed Feb 19, 2020 1:30 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman is my guest on this "Bogleheads on Investing" podcast
Replies: 137
Views: 10339

Re: Paul Merriman is my guest on this "Bogleheads on Investing" podcast

One Ping and kelway: What is self-serving? I gave evidence supporting the Boglehead wisdom that a complex portfolio may underperform. I donate my time, money and royalties to the Bogleheads. There is nothing I do on this forum that is "self-serving." Best wishes. Taylor Jack Bogle's Words...
by kelway
Mon Feb 17, 2020 6:24 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman is my guest on this "Bogleheads on Investing" podcast
Replies: 137
Views: 10339

Re: Paul Merriman is my guest on this "Bogleheads on Investing" podcast

Rick: I am glad you did not embarrass Paul by asking about his 10-fund " Ultimate Buy and Hold Portfolio " in the current Market Watch Contest. Allan Roth's Second Grader's Three-Fund Portfolio is in first place. Best wishes Taylor Jack Bogle's Words of Wisdom: "Simplicity is the Mas...
by kelway
Mon Feb 17, 2020 6:13 pm
Forum: Personal Investments
Topic: im wanting a small correction very soon
Replies: 78
Views: 4877

Re: im wanting a small correction very soon

Which market? Maybe that can help allay your fears to invest in many of them. They haven't all been on rocket fuel since 2009.
by kelway
Tue Nov 26, 2019 3:35 pm
Forum: Personal Investments
Topic: Can someone help me purchase my first mutual fund?
Replies: 118
Views: 7443

Re: Can someone help me purchase my first mutual fund?

If I had to pick one area of the market that is "expensive", it's clearly large domestic as monopolized by the total market funds. Putting all eggs into that basket at any time is dubious. Trying to find the "expensive" and "cheap" securities is really, really tough, s...
by kelway
Tue Nov 26, 2019 8:36 am
Forum: Personal Investments
Topic: Can someone help me purchase my first mutual fund?
Replies: 118
Views: 7443

Re: Can someone help me purchase my first mutual fund?

I wouldn't bother with investment in bonds until your portfolio balance reaches at least $50k, preferably $100k. Below this balance, adding bonds and international stocks is just adding unnecessary noise. Personally, I'd consider the price to book of international equities vs domestic and be sure t...
by kelway
Wed Nov 20, 2019 9:00 pm
Forum: Personal Investments
Topic: Considering [investing in international market]
Replies: 16
Views: 1166

Re: Considering [investing in international market]

Some years international out-performs domestic... some years the opposite. The diversification benefit (rebalancing) is clear... and I believe both have the same expected return (large cap at least).
by kelway
Mon Jul 29, 2019 4:04 pm
Forum: Personal Investments
Topic: Optimal formula for rebal with new money
Replies: 4
Views: 549

Re: Optimal formula for rebal with new money

Well, it depends if you're speaking of small amounts or large amounts. Say you saved $500k so far and you win the lottery, $2m, cool! The logic described in the OP wouldn't work too well, right? ... - so... folks like the OP being somewhat numbers-minded and at ease with spreadsheets should come up...
by kelway
Mon Jul 29, 2019 2:04 pm
Forum: Personal Investments
Topic: Optimal formula for rebal with new money
Replies: 4
Views: 549

Optimal formula for rebal with new money

Hi All, I make a habit of keeping my portfolio in balance with new inflows into 4 M1 brokerage IRAs and my 401k. My question is related to the optimal formula for determining which funds should receive the new money. In the image below is an imaginary/cleansed spreadsheet I use and it's that column ...
by kelway
Fri Aug 03, 2018 10:08 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 234
Views: 13646

Re: Which diet soda pop do you enjoy?

Are there any sodas that use Stevia as the sweetener? Apparently that is the only natural, healthy sweetener. It’s maybe a little bit bitter in aftertaste but I like it. I was happy to see it’s used in the zero calorie Vitamin Waters. I'll tell you what's really good and stevia-based: put these tru...
by kelway
Thu Aug 02, 2018 7:19 pm
Forum: Personal Consumer Issues
Topic: Which diet soda pop do you enjoy?
Replies: 234
Views: 13646

Re: Which diet soda pop do you enjoy?

I highly recommend this: https://www.kroger.com/p/fizz-co-cola-flavored-seltzer-water/0001111002778 The Dr. Pepper flavored version is just about the same flavor as diet minus the chemicals... guilt-free soda. Speaking of wish, they were very wrong to get rid of Dr. Pepper Ten, because that was a si...
by kelway
Mon Jun 04, 2018 8:43 pm
Forum: Personal Investments
Topic: Asset Allocation
Replies: 14
Views: 1800

Re: Asset Allocation

I would personally add more domestic and international small care of your BrokerageLink option: IJS (free trades) and VSS (not free, but good cheap international small/mid exposure). That said, the nagging sense that Taylor's simple suggestion will win in the end is there! Market weight is great, bu...
by kelway
Mon Feb 05, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site is crashed now?
Replies: 188
Views: 21133

Re: Vanguard site crash now?

Yes... and it makes sense, but dang!
by kelway
Fri Aug 11, 2017 7:46 pm
Forum: Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 9698

Re: Where To Put My Emergency Fund?

willthrill81 wrote::wink: Our 'real' firebox is very well hidden.
It's in your attic beneath the insulation. It's a good choice!