Search found 829 matches

by badbreath
Fri Apr 20, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 15
Views: 960

Re: How long have you been employed?

35 years +8 years part time when in school.
by badbreath
Wed Apr 18, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: car at 80
Replies: 59
Views: 4108

Re: car at 80

My Dad at 89 years old mostly uses Uber and Lift.
by badbreath
Mon Apr 16, 2018 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Review & improvement on personal investment portfolio
Replies: 6
Views: 637

Re: Review & improvement on personal investment portfolio

I agree with what MoneyMarathon has outlined to simplify your holdings but one other thing to think about is can you lower your income and save on taxes if your wife does a tIRA vs the Roth. Don't know your income but something to look in to
by badbreath
Sun Apr 15, 2018 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Account for Adult Children Allowing Parent Some Control
Replies: 31
Views: 3109

Re: Account for Adult Children Allowing Parent Some Control

by sport You have been trusting them not to cash out their Roth IRA accounts and just spending the money. You should be able to do the same with a taxable account. Sit them down tell them what you want to do, why you want to do it and how you would like them to invest it. If they both agree move fo...
by badbreath
Sun Apr 01, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio check
Replies: 10
Views: 621

Re: Portfolio check

I would take $3000 out of the Money market fund and open up a Vanguard Total stock fund Then split the $1500 so that $750 in TSM and $750 in MM. This gives you a short term bucket 1-5 years (MM) a midterm bucket 5-10 (TSM) and a long term with you 401k.
by badbreath
Sat Mar 31, 2018 9:39 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 325133

Re: What are you up YTD? [Year To Date]

12% so far this year but who knows
by badbreath
Sat Mar 31, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Help for a (Somewhat) Beginner
Replies: 7
Views: 815

Re: Help for a (Somewhat) Beginner

Pay off your car now out of your savings and then build the savings back up from what you are not putting on the car. Great plans on LCOL area and sabbatical but what if your employer says no? If I were you I would be max 401k and max Roth both 17 and 18 You need to save about 3 to 6 month emergency...
by badbreath
Sat Mar 31, 2018 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Substantial initial investment + Overvalued market = Trouble?
Replies: 28
Views: 2812

Re: Substantial initial investment + Overvalued market = Trouble?

by Marketman » Everyone has a different opinion here and there is no one right answer. If it were me I would invest everything at once with a conservative asset allocation of 50/50 stocks/bonds. I would rebalance only if stocks declined. (Sell bonds and buy more stocks to get back to 50/50.) If sto...
by badbreath
Fri Mar 30, 2018 7:44 pm
Forum: Personal Consumer Issues
Topic: $20,000 book - what to do with it
Replies: 34
Views: 5497

Re: $20,000 book - what to do with it

JoeRetire wrote: ↑Fri Mar 30, 2018 8:10 pm Caduceus wrote: ↑Fri Mar 30, 2018 6:36 pm Or are there other solutions maybe I'm missing. There are only apparently two other known copies of this book (apart from my copy), so the other solution would be to donate it to a library that would take good care...
by badbreath
Thu Mar 29, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: What is the endgame for Millennials?
Replies: 128
Views: 8916

Re: What is the endgame for Millennials?

my Daughter is now 6% in her company 401 with a 5% match. She is upping 1% a year till 20%. This will take some time but she is only 26
by badbreath
Wed Mar 28, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: How many are using Automatic contributions?
Replies: 41
Views: 2772

Re: How many are using Automatic contributions?

yes I have in the past but now I do it a bit lumpy due to house being payed off.
by badbreath
Mon Mar 26, 2018 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Advice
Replies: 4
Views: 754

Re: Taxable Account Advice

Two or three things.

think of your portfolio as one, not a 401k fund,taxable fund, Roth fund.you have a desired AA so do that with your entire portfolio.

If you do a taxable account do it tax efficient.

www.bogleheads.org/wiki/Tax-efficient_fund_placement

Start a spousal tIRA for your wife
by badbreath
Mon Mar 26, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio evaluation
Replies: 38
Views: 2702

Re: Do I need to change anything?

you asked what I would do so that is what you are getting Fund Name: CREF Money Market Account (R3), Ticker symbol: QCMMIX, Expense ratio: 0.23% Move this to the S&P 500 you dont need a MM here Fund name: CREF Stock Account (R3), Ticker symbol: QCSTIX, Expense ratio: 0.32% Move this to the S&P 500 i...
by badbreath
Mon Mar 26, 2018 12:52 am
Forum: Investing - Help with Personal Investments
Topic: Critique My Financial Plan
Replies: 17
Views: 1217

Re: Critique My Financial Plan

I would suggest to put the same question over at the white coat investor

www.whitecoatinvestor.com/forums/

Very good blog forum and pod cast
by badbreath
Mon Mar 26, 2018 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Trying to build up a Portfolio Investment
Replies: 3
Views: 429

Re: Trying to build up a Portfolio Investment

First you need to find out what is in your 401k and post it here. Your 401k is only 14% which seems low maybe up the contribution. 1, I have reviewed these 4 funds and was wondering which 2 should I add to my portfolio? If you have a better choice, please do list them. NAESX /Vanguard Small Cap Inde...
by badbreath
Sat Mar 24, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Chris Hogan's Retirement Calculator
Replies: 10
Views: 3412

Re: Chris Hogan's Retirement Calculator

I did use it a few years back and when I put in my numbers it said I have enough to retire now, I knew I really did not. So this is just a way to get more folks to use the ELPs or Investment Pros or whatever Dave calls them. They must be a very lucrative finders fee to Dave to set Chris up as his re...
by badbreath
Sat Mar 24, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation
Replies: 10
Views: 1080

Re: Asset allocation

There are lots of different portfolios and you get to pick which is right for you.

here is some of the top portfolios

https://portfoliocharts.com/portfolios/
by badbreath
Sat Mar 24, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation
Replies: 10
Views: 1080

Re: Asset allocation

duplicate
by badbreath
Tue Mar 20, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: Maybe Ramsey is right
Replies: 43
Views: 9483

Re: Maybe Ramsey is right

Post by mattshwink » Tue Mar 20, 2018 7:13 pm

And I don't see any reference if the results are net of fees. I am betting once fees are added in, low cost index funds do even better.
I read the article and also do not see any fees being added so really a junk article.
by badbreath
Tue Mar 20, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio check-up and lump sum question
Replies: 4
Views: 421

Re: Portfolio check-up and lump sum question

total stock market index and total international stock market index
What he ment was VTSAX Total Stock Index and VTIAX Total world. This is a great tax efficient way to invest.

www.bogleheads.org/wiki/Tax-efficient_fund_placement
by badbreath
Mon Mar 19, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Reducing 401k and increasing taxable
Replies: 6
Views: 1353

Re: Reducing 401k and increasing taxable

Ok, I didn't think the math made sense
by badbreath
Sun Mar 18, 2018 10:44 pm
Forum: Investing - Theory, News & General
Topic: Reducing 401k and increasing taxable
Replies: 6
Views: 1353

Reducing 401k and increasing taxable

Has anyone thought about this Reducing 401k to the match at the end of a career and just get the match and invest the rest in a taxable for tax reasons.

http://millionin10.com/the-myth-of-401k-tax-breaks/
by badbreath
Sat Mar 17, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: 200K sitting in brokerage account
Replies: 20
Views: 3223

Re: 200K sitting in brokerage account

I would just put it all in but don't just believe me look also at Vanguard research.

https://personal.vanguard.com/pdf/ISGDCA.pdf
by badbreath
Thu Mar 15, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Yearly Bonus - How to invest
Replies: 10
Views: 1140

Re: Yearly Bonus - How to invest

put $10k in Total Stock Index then $4k in Total international Index. Very tax efficent
by badbreath
Tue Mar 13, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard Total Stock Market (VTSAX) have more stocks than its tracked index
Replies: 4
Views: 886

Re: Why does Vanguard Total Stock Market (VTSAX) have more stocks than its tracked index

Vanguard 500 Index Fund has 507 stocks and the benchmark has 505. They just can't count
by badbreath
Mon Mar 12, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Small windfall, would like some advice
Replies: 30
Views: 2732

Re: Small windfall, would like some advice

you asked what i would do so thats what you get

I would put 60-70% in VTSAX total stock index the the other 40-30% in total international and forget about it till you turn 60.

you will have done very well by then
by badbreath
Sun Mar 11, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 8
Views: 788

Re: Portfolio Review

everything look good.

But why are you not doing a spousal tIRA or Roth you could add up to $5500 more .
by badbreath
Sun Mar 11, 2018 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: unable to claim Sch E loss for rental. 8582 limitation
Replies: 10
Views: 784

Re: unable to claim Sch E loss for rental. 8582 limitation

I have no idea but I would ask it over at

http://www.fairmark.com/forum/

they do taxes all day
by badbreath
Sat Mar 10, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to approximate VTSAX with my 401k choices
Replies: 30
Views: 1532

Re: Best way to approximate VTSAX with my 401k choices

Holy crap what you have is overall a bad deal. I would be asking HR why and do they know they could get a lawsuit against them due to the high ER.

Anyway I would put it into

VSIAX - small-cap value index fund - 1.17% 10 -20%
VIGAX - large-cap growth index fund - 1.16% 90 - 80%
by badbreath
Sat Mar 10, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Boglehead-approved personal finance podcasts?
Replies: 27
Views: 3610

Re: Boglehead-approved personal finance podcasts?

by sschullo » Sat Mar 10, 2018 3:23 pm

JEC wrote: ↑Sat Mar 10, 2018 10:06 am
The Mad Fientiest
I like him too, but I have not heard him ever make a reference to Vanguard or Mr. Bogle.
Read

www.madfientist.com/complete-history-of ... -fientist/
by badbreath
Sat Mar 10, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: Boglehead-approved personal finance podcasts?
Replies: 27
Views: 3610

Re: Boglehead-approved personal finance podcasts?

Stacking Benjamins
The dough roller
White coat investor
Vanguard
Planet money
Freakinomics
Mad Fientist
Afford Anything

That should get you started.
by badbreath
Thu Mar 08, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 124
Views: 11699

Re: Why International again?

As someone mentioned the reason I hold them is for the stock that I don't hold in total stock Month-end ten largest holdings as of 01/31/2018 Rank Holdings 1 Tencent Holdings Ltd. 2 Royal Dutch Shell plc 3 Nestle SA 4 Samsung Electronics Co. Ltd. 5 HSBC Holdings plc 6 Taiwan Semiconductor Manufactur...
by badbreath
Tue Mar 06, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for retired couple
Replies: 8
Views: 1239

Re: Suggestions for retired couple

The LifeStrategy Income fund is 20% stocks and 80% bonds.
This is not very tax efficient due to the bonds unless you are in the very lowest tax bracket

Look at this

https://www.bogleheads.org/wiki/Tax-eff ... _placement
by badbreath
Mon Mar 05, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help with Regular Brokerage Account
Replies: 2
Views: 233

Re: Need Help with Regular Brokerage Account

you can invest as much as you like in a Vanguard taxable fund, it should be money not need for 5+ years.

Put it in Total Stock, Total International but not bonds. Bounds are not tax efficient.

If the cash is for a thing sorter then 5 years just put it in CD's or a high yield bank account
by badbreath
Sun Mar 04, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Investment help for 47 year old MD
Replies: 34
Views: 2647

Re: Investment help for 47 year old MD

1. Please advice if Vanguard etf mutual funds are better than index funds Either one will work. I prefer mutual funds 2. Should I invest in Reits only up to 10% of your portfolio 3. I want to invest in commercial real estate as well-but I'm not sure if I would like being a landlord. Commercial is e...
by badbreath
Sat Mar 03, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Lost My Way - Advice Needed
Replies: 44
Views: 4689

Re: Lost My Way - Advice Needed

My head is still spinning. I'm very risk adverse and switched from index funds to a strategy of investing in REITs REITs did the worst of all access classes in the 08-09 down turn and are one of the most risky stocks in the market. I dont think its bad to hold REITs but only 5 to 10% of the portfolio.
by badbreath
Sat Mar 03, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio from Current Holdings for 28 y.o.
Replies: 7
Views: 1084

Re: 3 Fund Portfolio from Current Holdings for 28 y.o.

is there any tax/fee/penalty for moving money from one fund to another within my 401k?
No not in your 401k you can move things around tax free
by badbreath
Sat Mar 03, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship Select Services
Replies: 17
Views: 2620

Re: Vanguard Flagship Select Services

I have never had a Flagship rep reach out to me.
by badbreath
Sat Mar 03, 2018 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Finally get it, Step 2 - Get rid of FA at Fidelity?
Replies: 65
Views: 4474

Re: Finally get it, Step 2 - Get rid of FA at Fidelity?

Having funds in Fidelity is fine as long as they are index funds (which none of yours are).

look at the wiki link for Vanguard/Fidelity equivalent funds


https://www.bogleheads.org/wiki/Fidelity
by badbreath
Fri Mar 02, 2018 8:33 pm
Forum: Investing - Theory, News & General
Topic: Harvard blows $1Billion picking stocks, averaged 4.4% returns over last decade
Replies: 79
Views: 10190

Re: Harvard blows $1Billion picking stocks, averaged 4.4% returns over last decade

Ben Carlson at A Wealth of Common Sense who was once a job working for an investment office of a large endowment fund looks at endowments vs the Vanguard three fund. Guess who did the best.

http://awealthofcommonsense.com/2018/02 ... ent-model/
by badbreath
Wed Feb 28, 2018 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Safety or stocks for house down payment fund?
Replies: 15
Views: 851

Re: Safety or stocks for house down payment fund?

I would just rent till they decide to leave the military. They do not want to own a bunch of homes across the country due to deployment around the world. So what to do with the cash, invest for the long term VTSAX or something like that . Put as much as they can in the TSP, 401K, spocal tIRA as you ...
by badbreath
Mon Feb 26, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help me understand
Replies: 21
Views: 1531

Re: Help me understand

I would tell him ya I own these but also Berkshire Hathaway and Microsoft

Top holdings in Total Stock Index

Month-end ten largest holdings as of 01/31/2018
Rank Holdings
1 Apple Inc.
2 Microsoft Corp.
3 Alphabet Inc.
4 Amazon.com Inc.
5 Facebook Inc.
6 Berkshire Hathaway Inc.
by badbreath
Sun Feb 25, 2018 9:20 pm
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 5878

Re: 3 layers of roof. Pull my offer??

I would just show what it takes to redo the roof and ask a reduced offer. Then you control the redoing of the roof.
by badbreath
Sun Feb 25, 2018 8:13 pm
Forum: Personal Consumer Issues
Topic: Ethics of selling a used car
Replies: 54
Views: 4122

Re: Ethics of selling a used car

I have donated the last 4 cars to a local high schools and take the deduction.
by badbreath
Sun Feb 25, 2018 7:41 pm
Forum: Investing - Theory, News & General
Topic: Blasphemy... DO PEEK!
Replies: 100
Views: 9354

Re: Blasphemy... DO PEEK!

I peek once at the end of the month record were i am (up or down) then move on
by badbreath
Sat Feb 24, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: "Invest" in Student Loans or Retirement?
Replies: 18
Views: 1111

Re: "Invest" in Student Loans or Retirement?

by bltn I would put maximum in 401k. Then I would contribute to non deuctible IRA for you and your husband and do a backdoor conversion to a Roth IRA for each of you. Then I would knock out the student loans as fast as possible. Next, accelerate the mortgage payment. While clearing the mortgage, I ...
by badbreath
Thu Feb 22, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: What is the most efficient method of taking RMDs from my IRA
Replies: 9
Views: 1188

Re: What is the most efficient method of taking RMDs from my IRA

I don't have any experience at this but what I would do.......

take from Vanguard Balanced Index VBIAX first year

then next year take

Vanguard Wellesley VWIAX 38% second year

then every other year switch to let it build up the year you do not take from it