Search found 913 matches

by badbreath
Thu Nov 08, 2018 12:26 am
Forum: Investing - Help with Personal Investments
Topic: First time invester, help needed please
Replies: 98
Views: 4768

Re: First time invester, help needed please

Yes, the second plan is much better
by badbreath
Wed Oct 24, 2018 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: fee only adviser
Replies: 3
Views: 478

fee only adviser

Who is the organization that is only fee only. would like to refer this to a friend
by badbreath
Wed Oct 24, 2018 9:01 pm
Forum: Personal Consumer Issues
Topic: Need New Refrigerator
Replies: 20
Views: 2257

Re: Need New Refrigerator

If I was looking for a 48" Built in it would be a Kitchenaid, Jennair or Sub Z. Better reliability then the other brands in that area.
by badbreath
Mon Oct 15, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 54
Views: 4975

Re: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]

This is why it’s good to only check in on your portfolio occasionally. You miss stuff like this
Your looking to many times a day at your funds. look only once a quarter, it will be much smother
by badbreath
Wed Oct 10, 2018 8:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: West Michigan Bogleheads Chapter - chat
Replies: 38
Views: 2348

Re: West Michigan Bogleheads Chapter - Who's interested?

I am from St Joe and would be interested.
by badbreath
Mon Oct 01, 2018 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds... Why do people bother with them. ?
Replies: 71
Views: 7500

Re: Bonds... Why do people bother with them. ?

What I see is a different issue, what you have invested in to Current Asset allocation: 65k Roth Vanguard 500 401k for double expense ratio (usury) 100k Roth Vanguard 500 growth IRA 90k Vanguard 500 I would take the 90K Vanguard 500 and put it into the Total Stock Market so you can get some Mid and ...
by badbreath
Tue Sep 18, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with limited 401k fund options
Replies: 7
Views: 479

Re: Help with limited 401k fund options

8. VANGUARD VALUE INDEX FUND INSTITUTIONAL VIVIX DOMESTIC STOCK Vanguard Value Index Fund Institutional VIVIX Domestic Stock 9. WF/BLACKROCK S&P 500 INDEX CIT N DOMESTIC STOCK WF/BlackRock S&P 500 Index CIT N Domestic Stock 10. DODGE & COX INTERNATIONAL STOCK FD DODFX INTERNATIONAL STOCK Dodge & Co...
by badbreath
Tue Sep 18, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Help with limited 401k fund options
Replies: 7
Views: 479

Re: Help with limited 401k fund options

8. VANGUARD VALUE INDEX FUND INSTITUTIONAL VIVIX DOMESTIC STOCK Vanguard Value Index Fund Institutional VIVIX Domestic Stock 9. WF/BLACKROCK S&P 500 INDEX CIT N DOMESTIC STOCK WF/BlackRock S&P 500 Index CIT N Domestic Stock 10. DODGE & COX INTERNATIONAL STOCK FD DODFX INTERNATIONAL STOCK Dodge & Co...
by badbreath
Sat Sep 15, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Critique, what can I do better?
Replies: 7
Views: 725

Re: Critique, what can I do better?

-Im thinking of adding 10-20% allocation to small caps SWSSX to my allocation, hopefully to reap a few more percentage points over, well probably 40 years in the ira, hopefully. Not needed at this point in time, invest in the total stock which has the smalls in it -Rebancing the allocation quarterl...
by badbreath
Sat Sep 15, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: Help w/ large annual bonus
Replies: 16
Views: 1954

Re: Help w/ large annual bonus

Rick Ferri has written up a good post on this.

https://rickferri.com/6-ideas-for-lump-sum-investing/

I personaly would do a lump sum. Then you can move on with your life.
by badbreath
Mon Sep 10, 2018 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Money Market vs CD vs Bond fund vs .... Cash
Replies: 11
Views: 2689

Re: Money Market vs CD vs Bond fund vs .... Cash

What are the cash accounts for, how do they fit into your overall portfolio?

I hold cash so just am asking for the reason why so much cash.

I would put as much as you fell comfortable with in
Vanguard - various stock & bond funds.... Total Bond, Muni Bond
. But thats me.
by badbreath
Sun Sep 09, 2018 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Seekng Advice
Replies: 6
Views: 574

Re: New Investor Seekng Advice

Good advice so far. I would also suggest reading

Common Sense on Mutual Funds: 10th Anniversary Edition
The Bogleheads' Guide to Investing
The Bogleheads' Guide to Retirement Planning

They can be found here

www.bogleheads.org/RecommendedReading.php
by badbreath
Thu Sep 06, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on starting Vanguard Roth IRA
Replies: 6
Views: 518

Re: Need advice on starting Vanguard Roth IRA

keep in mind what PFInterest said above that you should also keep in mind that you should can look at your entire portfolio as one rather than making a small 3 fund portfolio in each type of account. that becomes particularly important if you need to start some taxable account investing so that you...
by badbreath
Wed Sep 05, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Pension early distribution options
Replies: 12
Views: 1005

Re: Pension early distribution options

I had a situation like yours, I just took the lump sum.

Reasons
I don't think the company will last in the future.
I could invest it into anything I wanted
have a long time before I have to use it
by badbreath
Tue Sep 04, 2018 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Investment portfolio advice needed!
Replies: 12
Views: 1483

Re: Investment portfolio advice needed!

just put the $10k in a taxable VTSAX or the equivalent ETF
by badbreath
Fri Aug 31, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones advising roll over 401K to their IRA
Replies: 44
Views: 3810

Re: Edward Jones advising roll over 401K to their IRA

I would talk to whoever is in charge of you 401k plan as to what this adviser recommended and how wrong the advice was as a fiduciary adviser for a 401k plan. I would also point out that that they could be sued due to non fiduciary, high cost advice from the adviser.
by badbreath
Thu Aug 30, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited 401(k) questions
Replies: 14
Views: 705

Re: Inherited 401(k) questions

yes he is correctly telling you the available options for a inherited 401k. I have had the same happen to me and desided to do option three 3 – take the funds out over our life expectancy as a required minimum distribution . I rearranged the funds to my liking and take a RMD every year but it grows ...
by badbreath
Thu Aug 30, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on investments
Replies: 8
Views: 759

Re: Advice on investments

I recently opened up a Roth IRA and was able to max it out with the job I'm currently working, and am working with a Wells Fargo Financial Advisor who wants to/already did put it into American Funds (not sure if this was the best move or if I should've just left it in VTSAX, VOO, SPY, or QQQ as opp...
by badbreath
Wed Aug 29, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: help a brand new investor
Replies: 7
Views: 888

Re: help a brand new investor

Grt2bOutdoors » Use the target date fund up to amount of employer match. Any other available funds, I’d use to knock that student loan off. A 6.8% guaranteed rate of return is attractive in today’s market. Once the debt is paid off she can redirect payment into saving/investing. Agree get rid of th...
by badbreath
Wed Aug 29, 2018 8:46 pm
Forum: Investing - Theory, News & General
Topic: Buy what others are selling and Sell what others are buying?
Replies: 19
Views: 2325

Re: Buy what others are selling and Sell what others are buying?

I am just always buying. Maybe not big lots but always investing.
by badbreath
Thu Aug 23, 2018 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Where to stash funds for adult daughter?
Replies: 15
Views: 1873

Re: Where to stash funds for adult daughter?

If your Daughter is 26 (Some states 21) then the money is legally her's and she could sue you to get it. What I found best is to talk to my kids during the the transfer and show them how it can grow and only use for emergency or buying a house. So far they are sticking with the plan I layed out for ...
by badbreath
Mon Aug 20, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: helping young friend with 401k fund choices
Replies: 4
Views: 363

Re: helping young friend with 401k fund choices

this is a bad list of funds so to question two do a IRA roll over and get a low cost fund.

Question one, I would only invest in two funds

NEIAX Columbia Large Cap Index A 0.45 0.45 none
VMVIX Vanguard Mid-Cap Value Index Investor 0.19 0.19 none

He could put bounds in the roll over
by badbreath
Sun Aug 19, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of medical events that may ruin your retirement?
Replies: 73
Views: 5679

Re: What kind of medical events that may ruin your retirement?

I think the main medical event that may ruin your retirement would be death
by badbreath
Sun Aug 19, 2018 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put the first $5000
Replies: 24
Views: 1915

Re: Where to put the first $5000

just do VTI or VTSMX and keep reading about investing.
by badbreath
Sun Aug 05, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Dear BH, what are non-BH [financial] actions you do?
Replies: 71
Views: 4955

Re: Dear BH, what are non-BH actions you do?

3% of my portfolio is in the company I work for stock. But it has gone up 150%
by badbreath
Mon Jul 23, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Need help creating an ETF portfolio
Replies: 22
Views: 1928

Re: Need help creating an ETF portfolio

I would like to invest but im not sure which ETFs to get into or if my timing is bad. The three fund is the way to go I would like to o maybe put 1 million in funds and just keep the rest in cash. That's fine it is what you fell you need to do at this point in time I want to invest in around 8-10 E...
by badbreath
Mon Jul 23, 2018 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: What's Next?
Replies: 13
Views: 1582

Re: What's Next?

Max 401 k then move to taxable account.
by badbreath
Sat Jul 21, 2018 11:53 pm
Forum: Investing - Help with Personal Investments
Topic: Partial Rollover of 401k permitted?
Replies: 7
Views: 427

Re: Partial Rollover of 401k permitted?

You can but it will be taxed at your current tax rate and a 10% penalty.
by badbreath
Tue Jul 17, 2018 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie: 35 and I have no idea what I'm doing
Replies: 9
Views: 1560

Re: Newbie: 35 and I have no idea what I'm doing

d Newbie questions: What's the best way to go about rebalancing funds in the taxable account? Should I wait until the 1 year mark to rebalance for long term capital gains? I'm okay with a three fund portfolio. I would just move the bonds and information technology into total stock since you do not h...
by badbreath
Sat Jul 14, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: 14 years with Bogleheads
Replies: 13
Views: 2153

Re: 14 years with Bogleheads

16% is about right some will have more some will have less but you are about average,

just realize we have not seen a real correction since 2008, 2009 were everyone lost 30 to 50% of there portfolio.
by badbreath
Sat Jul 14, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Simple question on where to fund - 401k > IRA > what next
Replies: 20
Views: 1503

Re: Simple question on where to fund - 401k > IRA > what next

David Jay » Sat Jul 14, 2018 7:00 pm Mr_Yan wrote: ↑Sat Jul 14, 2018 6:38 pm So the funding path is: 1 - 401k only to the match (we'd be about 13000 from maxing the account) 2 - max out the IRAs 3 - standard taxable brokerage account We have been almost maxing out the HSA but we also use that to fu...
by badbreath
Sun Jul 08, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: I did not know about the Lifestyle funds. [Vanguard LifeStrategy]
Replies: 13
Views: 2521

Re: I did not know about the Lifestyle funds. [Vanguard LifeStrategy]

only problem with the funds is the are not very tax efficient in a taxable account.
by badbreath
Sun Jul 08, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Do you count pension contributions as a portion of your overall retirement contributions.
Replies: 47
Views: 4139

Re: Do you count pension contributions as a portion of your overall retirement contributions.

I only coincided the the funds that I have control over as my retirement funds, 401k, iras Roths and taxable. I do not add the payed off house or the pension since I need to live somewhere and don't know if the pension will be there when I am 65.
by badbreath
Sat Jul 07, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Investing cash into Vanguard target retirement fund
Replies: 20
Views: 2046

Re: Investing cash into Vanguard target retirement fund

if I were just doing a taxable account it would be in VTSAX total stock market investor or admiral. Just a very tax efficient fund.

The target date is not as tax efficient due to the Bonds in the fund. Although not many at 2060
by badbreath
Wed Jul 04, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Can't participate in 401k for 1 year
Replies: 33
Views: 2658

Re: Can't participate in 401k for 1 year

Just for this year put $5500 into a Roth IRA account for both you and your wife. Next year invest max in your 401k and the Roth for for you and your wife if you can.
by badbreath
Sun Jun 24, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Front load washer gross moldy gasket
Replies: 38
Views: 3887

Re: Front load washer gross moldy gasket

all of this and cost is why I stayed with a top loader.
by badbreath
Sun Jun 24, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: What should I do with my taxable account?
Replies: 10
Views: 2129

Re: What should I do with my taxable account?

You should also read this

https://www.bogleheads.org/wiki/Tax-eff ... _placement

can help with the placement of taxable and non taxable
by badbreath
Sun Jun 17, 2018 4:17 pm
Forum: Investing - Theory, News & General
Topic: "Money Talk" Radio Program with Bob Brinker
Replies: 33
Views: 4507

Re: "Money Talk" Radio Program with Bob Brinker

He should only be used as entertainment just like Ramsey and Orman
by badbreath
Sat Jun 16, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: New refrigerator issues
Replies: 18
Views: 1946

Re: New refrigerator issues

I like the fridge you got. Level could make a differences. My guess is it is a 315 model which is the lowest of the Whirlpool Side by Side so they do not include any sound package in it. (yes They can control sound)
by badbreath
Sat Jun 16, 2018 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Making taxable account more tax efficient
Replies: 16
Views: 2582

Re: Making taxable account more tax efficient

Ya you should not have bond in your taxable. take time to read this

https://www.bogleheads.org/wiki/Tax-eff ... _placement

It has helped me
by badbreath
Sat Jun 16, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Standard buyer's remorse or poorly timed enlightenment?
Replies: 40
Views: 3933

Re: Standard buyer's remorse or poorly timed enlightenment?

Just move the 30K loss is to big and it gets you living were you want to be.

I see you bring up a AC issue in your post. Window units do not cost much and can do the job. I used them with my first two houses then my 3rd put in a house AC not a big deal and did not cost that much.
by badbreath
Tue Jun 12, 2018 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: "Bad" 401K or Taxable Account
Replies: 11
Views: 1239

Re: "Bad" 401K or Taxable Account

yes do this
Should I 1. MAX ROTH 2. MAX 401K 3. then TAXABLE ?
you may change jobs and have better funds or your current employer could change and have a better place to invest it.
by badbreath
Sun Jun 10, 2018 10:01 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 11206

Re: Why do we work?

JoeRetire » Fri Jun 08, 2018 3:30 pm

EnjoyIt wrote: ↑Fri Jun 08, 2018 3:07 pm
Why do you work?
I worked while it was personally and financially fulfilling. I stopped when it wasn't and when I had enough money to do so.
I have to agree with this.
by badbreath
Thu Jun 07, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: What lubricant to use for Freezer slide out door runners?
Replies: 12
Views: 985

Re: What lubricant to use for Freezer slide out door runners?

by RudyS »

Silicone lubricant is ideal for that.
This is fine but get one that is food grade or FDA compliant
by badbreath
Sun Jun 03, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard platform
Replies: 51
Views: 5630

Re: Vanguard platform

If you switch Vanguard saves money which means you save money
by badbreath
Sat Jun 02, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Where to go next with finances
Replies: 2
Views: 711

Re: Where to go next with finances

sorry to say this 50k in cash 250k in a hard money real estate loan which will pay me back 262k in 4 months. 130k vanguard target retirement fund 25k vanguard bond fund 75k vanguard sp500 taxable account and your rentals are not a lot to retire on. I would build up your business to twice as much so ...
by badbreath
Wed May 30, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: physical real estate as safe money
Replies: 11
Views: 1787

Re: physical real estate as safe money

I would ask on biggerpockets.com