Search found 736 matches

by badbreath
Tue Jan 23, 2018 12:07 am
Forum: Investing - Theory, News & General
Topic: How good or bad is this portfolio?
Replies: 8
Views: 365

Re: How good or bad is this portfolio?

The amount of funds are burning my eyes and have others said under 5% is not a investment.
by badbreath
Mon Jan 22, 2018 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Help improving our minimal portfolio - 36/31
Replies: 6
Views: 286

Re: Help improving our minimal portfolio - 36/31

I would take all of his 401k and put it in

Large Cap Core
BlackRock iShares S&P 500 Index Fund (WFSPX)(0.04%)
by badbreath
Mon Jan 22, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Plan in Etrade to Vanguard Index
Replies: 3
Views: 195

Re: Stock Plan in Etrade to Vanguard Index

Move it as a IRA then roll it into your Roth and pay a very small tax
by badbreath
Sun Jan 21, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: Does a Wider rebalancing band not make more sense?
Replies: 19
Views: 1456

Re: Does a Wider rebalancing band not make more sense?

this may seem odd but to stop rebalancing to many times I only do it January 1 and July 4. it stops me from messing around with the investment to much and smooths it out.
by badbreath
Sun Jan 21, 2018 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Going to one income-seeking testimonials
Replies: 97
Views: 4058

Re: Going to one income-seeking testimonials

read what Kitces has to say about a one income household.

www.kitces.com/blog/dual-income-househo ... linearity/

I have to agree with alot of his points as DW and I have been a 1 income for a long time.
by badbreath
Sun Jan 21, 2018 8:07 pm
Forum: Investing - Theory, News & General
Topic: Starting LATE for retirement
Replies: 31
Views: 2258

Re: Starting LATE for retirement

TwstdSista »

Don't forget that your wife can also contribute to an IRA -- spousal IRA
Do this to get more in

www.investopedia.com/articles/retirement/03/021903.asp
by badbreath
Sun Jan 21, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Bankruptcy questions
Replies: 16
Views: 1313

Re: Bankruptcy questions

She cant work out a discount on medical bill and a payment plan to avoid bankruptcy.

I would literally tell the medical bill folks if you can not work out some plan and discount I am going for bankruptcy and you will get nothing. It should motivate them to take action.
by badbreath
Sun Jan 21, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Windfall Strategy
Replies: 7
Views: 1095

Re: Windfall Strategy

I am doing the OPs investment order with my windfall so I would say yes.
by badbreath
Sun Jan 21, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Question with vanguard allocation
Replies: 37
Views: 1291

Re: Question with vanguard allocation

your wife can have a tIRA ( spousal IRA) also which may help you save more

www.investopedia.com/articles/retirement/03/021903.asp

We really should do something in the wiki on this option
by badbreath
Sat Jan 20, 2018 2:33 am
Forum: Investing - Help with Personal Investments
Topic: Job offer - no 401k offered
Replies: 25
Views: 2824

Re: Job offer - no 401k offered

Traditional IRA and a taxable account that add up to $18000 seems good
by badbreath
Thu Jan 18, 2018 7:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Investment Options Minus Top 10?
Replies: 20
Views: 1323

Re: Vanguard US Investment Options Minus Top 10?

buy Mid Cap and Small cap funds
by badbreath
Wed Jan 17, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 18947

Re: Anyone disenchanted with retirement?

I am since I retired this year but still working full time,forgot to tell my employer I retarded.
by badbreath
Mon Jan 15, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio design (U.K)...Please?
Replies: 8
Views: 434

Re: Help with portfolio design (U.K)...Please?

There was a interesting article on JL Collins blog about UK investing

http://jlcollinsnh.com/2018/01/12/an-in ... pe-artist/
by badbreath
Mon Jan 15, 2018 12:44 am
Forum: Investing - Help with Personal Investments
Topic: 403b am I better off skipping 403b?
Replies: 10
Views: 917

Re: 403b am I better off skipping 403b?

I think you are doing fine and keep fully fund your retirement.
by badbreath
Sun Jan 14, 2018 11:26 pm
Forum: Personal Consumer Issues
Topic: Are land line phones still being supported?
Replies: 60
Views: 3670

Re: Are land line phones still being supported?

We have not had one for 5 years. Just seemed like a extra cost that we did not need.
by badbreath
Sun Jan 14, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Looking for a reasonably priced, safe international destination
Replies: 107
Views: 6395

Re: Looking for a reasonably priced, safe international destination

Fly to London and do the London stuff. ride a double deck bus, changing of guards 3-4 days. Next hop on a train and go north to Edinburgh. Visit Edinburgh Castle, Royal Mile 3-4 days. Fly home from Edinburgh.
by badbreath
Sat Jan 13, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help with young family portfolio
Replies: 12
Views: 1090

Re: Help with young family portfolio

I’m currently not making any 401k salary deferrals although my employer puts in 5% each year Every year when you get a cost of living adjustment raise increase your contribution in your 401k by 1/2 of it. So if you get a 3 % raise this year start contributing 1.5% more in your 401K. Do this every y...
by badbreath
Sat Jan 13, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: video- How Dave Ramsey's Mutual Funds Have Performed Since 1973
Replies: 5
Views: 1276

Re: video- How Dave Ramsey's Mutual Funds Have Performed Since 1973

Dave forgets or does not want to subtract fees and loads. Yes many do when you don't include that
by badbreath
Sat Jan 13, 2018 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Three piles approach to new money?
Replies: 4
Views: 618

Re: Three piles approach to new money?

Just invest it all in Vanguard 2050 VFIFX and stop over thinking it
by badbreath
Thu Jan 11, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??
Replies: 70
Views: 5488

Re: 100% VTSAX (Vanguard Total Stock Mkt Idx Adm)??

HikerNC »

If your portfolio is 100% stocks and you're over 50 years old, I suggest you watch this PBS Frontline special from 2013:

https://www.youtube.com/watch?v=A3htnbwFgoM
I agree if its my DD at 26 go for it, if its me 56 no need some bonds
by badbreath
Thu Jan 11, 2018 12:49 am
Forum: Investing - Help with Personal Investments
Topic: Help with Retirement Portfolio
Replies: 9
Views: 746

Re: Help with Retirement Portfolio

I agree with the above just do the target date and start reading the wiki for longer term investing.
by badbreath
Tue Jan 09, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: Forgot to make my $5500 contribution for 2018
Replies: 36
Views: 4673

Re: Forgot to make my $5500 contribution for 2018

Op

You failed, no retirement for you!
by badbreath
Tue Jan 09, 2018 12:36 am
Forum: Personal Finance (Not Investing)
Topic: What To Do about DH – Dark Clouds on the Horizon
Replies: 9
Views: 2663

Re: What To Do about DH – Dark Clouds on the Horizon

I am not a lawyer and would suggest you talk to one who does wills/estates Questions: 1. What is the most important thing we can do right now to prepare for the future? Since not married each prepare a will 2. Are there legal or financial reasons that we should get married right now? No you should a...
by badbreath
Tue Jan 09, 2018 12:08 am
Forum: Personal Consumer Issues
Topic: Anyone successful in receiving Samsung promo
Replies: 3
Views: 382

Re: Anyone successful in receiving Samsung promo

It takes a long time to come from Korea.
by badbreath
Sun Jan 07, 2018 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Best Way to Invest Bonus in 401k
Replies: 2
Views: 398

Re: Best Way to Invest Bonus in 401k

I put in 40% of my bonus tax free into my 401k. They let me do up to 75% of the bonus.

I do it because of the 40% tax they put on it and the megacorp has a true up on the match
by badbreath
Sun Jan 07, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: newbie help: how to invest a 200k windfall
Replies: 12
Views: 938

Re: newbie help: how to invest a 200k windfall

I have been investing any windfall into 2/3 Total stock Market (VTSAX) 1/3 in FTSE All-World ex-US Index Fund (VFWAX). It has been working out good in my taxable account so far.
by badbreath
Sun Jan 07, 2018 8:02 pm
Forum: Investing - Theory, News & General
Topic: Recessions in the USA (list) - Where are we now? Actionable Steps?
Replies: 31
Views: 2493

Re: Recessions in the USA (list) - Where are we now? Actionable Steps?

Well I think I can predict the recession. It will be 2020 when I retire :beer
by badbreath
Sun Jan 07, 2018 11:19 am
Forum: Investing - Help with Personal Investments
Topic: If my employer matches my 401(k) contributions all the way up to the IRS maximum, should I fill it up before taxable?
Replies: 11
Views: 987

Re: If my employer matches my 401(k) contributions all the way up to the IRS maximum, should I fill it up before taxable

Make sure your company does a true up for the 6 months you are not putting into the 401k. Some do some do not true up and you would be out of the match.
by badbreath
Sat Jan 06, 2018 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Flagship milestone: Thank You Bogleheads!
Replies: 13
Views: 2512

Re: Flagship milestone: Thank You Bogleheads!

how do you know you are Flagship?
by badbreath
Fri Jan 05, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: Re-balance to bond and/or cash?
Replies: 14
Views: 915

Re: Re-balance to bond and/or cash?

by mickeyvee » Fri Jan 05, 2018 9:36 pm Hello Everyone! I'm married, 63 yo and plan to work for 3 more years. Portfolio: $950,000 3 Fund Portfolio (AA 60/40) 1) VTSAX Total Market 2) VTIAX Total Intl 3) FSITX Total Bond I need to rebalance about $40,000 to $50,000. This would normally be a no brain...
by badbreath
Wed Jan 03, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)
Replies: 110
Views: 7964

Re: How can I move back to NYC with such high taxes? (State/City tax, Unincorporated Business Tax)

Move to Miami. You would get the tax free of Texas a lifestyle of NYC (since half of the population is from their) Flights are cheep to NYC $200 round trip
by badbreath
Wed Jan 03, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer and New Plan Options
Replies: 1
Views: 143

Re: New Employer and New Plan Options

So with the 4 funds above I was thinking of the following allocation: - VINIX: 60% - VTSNX: 15% - VIEIX: 10% - VBTIX: 15% This looks good Up until now, I have pulled my hair out trying to determine whether we should be contributing Roth versus traditional (we can do either with both the accounts ab...
by badbreath
Wed Jan 03, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Recommend me a backpack for business use
Replies: 21
Views: 1240

Re: Recommend me a backpack for business use

quantumFlamethrower »

Timbuk2

https://www.timbuk2.com/laptop-backpack ... refv1=Work
I have used Timbuk2 for years. Very high quality and durability.
by badbreath
Wed Jan 03, 2018 5:13 pm
Forum: Investing - Help with Personal Investments
Topic: Conservative approach for current market environment
Replies: 24
Views: 1571

Re: Conservative approach for current market environment

Since your in LA and this is in a taxable maybe you want to think about California Intermediate-Term Tax-Exempt Fund Investor Shares (VCAIX) instead of Short term investment grade bond fund
by badbreath
Tue Jan 02, 2018 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing 401k in January?
Replies: 11
Views: 1256

Re: Maxing 401k in January?

contribute to the plan in a calendar year
this tells me they do not true up. Do what Slacker said.
by badbreath
Tue Jan 02, 2018 7:58 pm
Forum: Investing - Theory, News & General
Topic: When married, whose contribution should you prioritize?
Replies: 30
Views: 2851

Re: When married, whose contribution should you prioritize?

Oh this is your time to shine.

tell her "I was thinking of doing 60% in my401k and and 40% in yours with the money we can put in but that just isn't right so I am thinking 50-50 since it really is our money" Or something like that.
by badbreath
Tue Jan 02, 2018 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Act-no deduction for investment management fees
Replies: 6
Views: 677

Re: Tax Act-no deduction for investment management fees

..has your investment advisor notified you of this change? I have not told myself this yet ..were you given the opportunity to prepay fees? I did not give myself any opportunity to prepay fees to myself ..were you advised of the new tax advantage of direct investments in funds, passive and otherwis...
by badbreath
Tue Jan 02, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation of recently acquired windfall
Replies: 12
Views: 891

Re: Asset Allocation of recently acquired windfall

First two priorities get the surgery done, Pay off the car loan. Hold off on the property till the first two are done and then take the time to really look for what you want. I agree with what Radiowave said do not use bond in a large amount in a taxable municipal bond fund instead like the Vanguard...
by badbreath
Tue Jan 02, 2018 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing 401k in January?
Replies: 11
Views: 1256

Re: Maxing 401k in January?

If your company has a match and a true up go for it. If they do not then you will miss out on the match.
by badbreath
Mon Jan 01, 2018 9:44 am
Forum: Investing - Help with Personal Investments
Topic: Trying to sort out all the portfolio advice
Replies: 13
Views: 1007

Re: Trying to sort out all the portfolio advice

Portfolio Charts sight is very very helpful with the portfolios you mentioned and more

https://portfoliocharts.com/
by badbreath
Sun Dec 31, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Placing an order to buy VTSAX, at what price will the transaction be executed?
Replies: 21
Views: 1311

Re: Placing an order to buy VTSAX, at what price will the transaction be executed?

OP, this is what you should think about
You will get the end of day price on Tuesday. Barring global apocalypse, you should be fine
.
by badbreath
Sun Dec 31, 2017 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Who should we appoint as executor?
Replies: 33
Views: 2715

Re: Who should we appoint as executor?

I would make them co executers and maybe it will get rid of the
(all because of a minor and rather silly matter)
by badbreath
Sun Dec 31, 2017 6:14 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 316
Views: 23460

Re: What frugal thing did you do today?

I hand shoveled the snow off the driveway vs calling a guy to plow it out Savins $35.00

I am going to regret it tomorrow :shock:
by badbreath
Sun Dec 31, 2017 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Need portfolio advice
Replies: 8
Views: 623

Re: Need portfolio advice

you have very good funds as sugested use Vanguard Inst Index Fund Inst Plus (Sym: VIIIX 0854) (Exp: 0.02%) Vanguard Ext Mkt Index Inst Plus (Sym: VEMPX 1860) (Exp: 0.05%) Vanguard Tot Intl Stock Ix Inst Pl (Sym: VTPSX 1870) (Exp: 0.07%) Vanguard Total Bond Mkt Ix Ist Pls (Sym: VBMPX 0850) (Exp: 0.03...
by badbreath
Sun Dec 31, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard ETFs
Replies: 7
Views: 853

Re: Problem with Vanguard ETFs

I Think Vanguard did a boot because all the MF and ETFs said $0.00 for about 15 min.
by badbreath
Sun Dec 31, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Roth Ira and Brokerage contribution question
Replies: 3
Views: 267

Re: Roth Ira and Brokerage contribution question

!. There is a small benefit of having all the money in at the beginning of the year The benefit it has the full contribution to take advantage of a full year in the market.

2. VTSAX is more tax efficient then VFIFX due to the bonds in the fund. But its only 10% bonds so it isn't that bad.