Search found 771 matches

by badbreath
Sun Feb 18, 2018 8:15 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 394
Views: 37877

Re: Your USER NAME...what does it mean?

Don't know what mine means
by badbreath
Sun Feb 18, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Retirement investment advice for parent
Replies: 6
Views: 502

Re: Retirement investment advice for parent

yes have her max the 401k using Vanguard Balanced Index Fund (0.67%)
by badbreath
Sun Feb 18, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Emerging Markets or Total International Market?
Replies: 15
Views: 946

Re: Emerging Markets or Total International Market?

Fidelity, Vanguard and Schwab are all good choices with various pluses and minuses but roughly equivalent.
as long as you use the index funds, Fidelity has funds that look like a index but are not.
by badbreath
Sat Feb 17, 2018 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: New to bond investing — should I seek more diversity?
Replies: 10
Views: 645

Re: New to bond investing — should I seek more diversity?

You are perfectly fine with what you have and were you have it. Keep doing it!
by badbreath
Fri Feb 16, 2018 6:55 pm
Forum: Investing - Theory, News & General
Topic: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil
Replies: 18
Views: 1475

Vanguard Investors during the downturn

[Thread merged into here, see below. --admin LadyGeek]

Good going at being Bogleheads at Vanguard and staying the course

www.marketwatch.com/story/vanguard-inve ... 2018-02-16
by badbreath
Thu Feb 15, 2018 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16464

Re: Number at which to stop worrying

I am just going to retire when I feel like I need to retire. If I feel like I do not like working anymore, It is to boring, better things to do with my time I am out. Every time I run my numbers I am leaving to much to my kids so need to adjust for that.
by badbreath
Wed Feb 14, 2018 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Did you learn anything from the market correction?
Replies: 155
Views: 10235

Re: Did you learn anything from the market correction?

No, I had already learned in the 08, 09 timeframe that that losing 50% of your portfolio looks bad but just keep on investing.
by badbreath
Wed Feb 14, 2018 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you park 140k [Where to invest 140k]
Replies: 19
Views: 1744

Re: Where would you park 140k

Agree with the above posters follow your asset allocation. Also do it tax efficiently.

www.bogleheads.org/wiki/Tax-efficient_fund_placement
by badbreath
Mon Feb 12, 2018 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Age 25 - New to Investing, Looking for Advice
Replies: 22
Views: 1296

Re: Age 25 - New to Investing, Looking for Advice

At your age I would be doing 100% Vanguard® 500 Index Fund - Admiral™ Shares and then forget it till your 50.
by badbreath
Mon Feb 12, 2018 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Need Help with investing
Replies: 1
Views: 173

Re: Need Help with investing

I would read this and think about what you are asking.

https://www.bogleheads.org/wiki/Tax-eff ... _placement
by badbreath
Sun Feb 11, 2018 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 10
Views: 753

Re: Portfolio Review

Tyler Aspect

You have $20k credit card debt. That should be the first priority right now. I would even sell stock in the taxable account to pay them off.
I have to agree with this. Pull the bandaid and get rid of it
by badbreath
Sun Feb 11, 2018 10:28 pm
Forum: Investing - Theory, News & General
Topic: proper # of holdings in an income portfolio
Replies: 10
Views: 845

Re: proper # of holdings in an income portfolio

didn't read it correctly. But I will say dividen stock never worked out when I ran the numbers. And they can always stop paying dividends. Look no further the GE
by badbreath
Sat Feb 10, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Does it ever make sense to buy a new car?
Replies: 103
Views: 6357

Re: Does it ever make sense to buy a new car?

no not really it is 3/4 of what you payed for it when you drive it off the lot
by badbreath
Wed Feb 07, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Should I roll a former employer's 401K into a roth IRA or my current 401K?
Replies: 23
Views: 1114

Re: Should I roll a former employer's 401K into a roth IRA or my current 401K?

I would do 3
this can leave very clean and easy conversion from 401k to a Roth
by badbreath
Wed Feb 07, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 5161

Re: What time do you go to work?

I mostly do 8-5 but due to going global I will some days start at 7am or go to 7 pm depending on who I am meeting with.
by badbreath
Tue Feb 06, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Save on taxes by putting bonus in 401k?
Replies: 18
Views: 1756

Re: Save on taxes by putting bonus in 401k?

I have put 50% of my bonus into my 401k for years. My company trues up the match so I am done contributing to the 401k by August/September and just invest in taxable after that. Make sure your company trues up if not figure out how to contribute for the rest of the year and not go over the limit to ...
by badbreath
Mon Feb 05, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Where would you tell a 12 year old to park his money
Replies: 32
Views: 1827

Re: Where would you tell a 12 year old to park his money

We all need the goldfish experience. Buy Sears stock.
Dont do that. I deal with them almost every day at work and it is bad.

I would just do a target Date till its up to $3000 then move it to Total Stock.
by badbreath
Sun Feb 04, 2018 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Overall Portfolio Plan Critique
Replies: 5
Views: 419

Re: Overall Portfolio Plan Critique

I would pay off this with your cash holdings
Student loans
Him $35,000 at %6.55
That is a very high interest rate
by badbreath
Sat Feb 03, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: What Would You Do With $100,000 Right Now
Replies: 28
Views: 2804

Re: What Would You Do With $100,000 Right Now

Just dump it into the market. 75% VTSAX 25% VFWAX or your fav Ex USA in a taxable and don't look back.
by badbreath
Sat Feb 03, 2018 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Index Funds During Stock Market Decline?
Replies: 20
Views: 1990

Re: Index Funds During Stock Market Decline?

I lived through the wonderful times of 08-09. What did I do, keep on investing and not paying attention to headlines. It worked out very good for me.
by badbreath
Tue Jan 30, 2018 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: Forget Bitcoin! Bananacoin is here!
Replies: 12
Views: 1964

Re: Forget Bitcoin! Bananacoin is here!

I am waiting for coconutcoin at least its hard to crack
by badbreath
Mon Jan 29, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: 10 Things to do for Financial Wellness
Replies: 17
Views: 2369

Re: 10 Things to do for Financial Wellness

make sure you have beneficiary and secondary beneficiaries are on on the 403b as they can then pass without probate
by badbreath
Sun Jan 28, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Bankers Life??? Getting an inherited IRA annuity held by retitled and moved ou.
Replies: 1
Views: 235

Re: Bankers Life??? Getting an inherited IRA annuity held by retitled and moved ou.

Call Vanguard and see it can be moved then transferred into a inherited IRA with their funds.
by badbreath
Sun Jan 28, 2018 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage with taxable investments
Replies: 5
Views: 589

Re: Pay off mortgage with taxable investments

I agree with JStephens go for the car first then take that car payment and put it on the mortgage.
by badbreath
Sun Jan 28, 2018 11:07 am
Forum: Personal Finance (Not Investing)
Topic: What to do with excess money?
Replies: 12
Views: 1121

Re: What to do with excess money?

I would first concentrate on the TSP loan: 14K @ 2.25%. You do not want that to stay around as it limits job movement. After that max Tsp,
by badbreath
Sat Jan 27, 2018 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.
Replies: 65
Views: 4539

Re: Allocation Dilemma - Bonds or No Bonds, retiring 8 years @ 50y/o, w/ $ lasting to 90s.

Getting your wife a tIRA and filling it to the max is the only thing he said that was good
by badbreath
Sat Jan 27, 2018 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Thank you
Replies: 10
Views: 574

Re: Thank you

that all we were trying to do was "beat the market.".
What was the adviser trying to do lose to the market
by badbreath
Fri Jan 26, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Don't market time...i know, i know.
Replies: 34
Views: 4437

Re: Don't market time...i know, i know.

by boglemania

I have a retirement date about 2 yrs from now.
I put in $250k last week. I just put all in at any time.
by badbreath
Wed Jan 24, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Your bond allocation when you were 48
Replies: 125
Views: 6024

Re: Your bond allocation when you were 48

100/0 just but I didn't know any better
by badbreath
Tue Jan 23, 2018 7:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard CEO - "4-4.5% Market Returns Over The Next Decade"
Replies: 35
Views: 5225

Re: Vanguard CEO - "4-4.5% Market Returns Over The Next Decade"

david1082b Oh boy, did Tim change his mind already? Yesterday someone said "I heard on CNBC that CEO of Vanguard Tim Buckley saying investors can expect around 6% returns next 10 years or so, in a balanced portfolio of 60/40 type" viewtopic.php?f=10&t=238867 Lets see if we have 2% inflation how muc...
by badbreath
Tue Jan 23, 2018 12:07 am
Forum: Investing - Help with Personal Investments
Topic: How good or bad is this portfolio?
Replies: 31
Views: 1908

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: 11
Views: 793

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: 255

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: 20
Views: 1784

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: 4677

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: 2471

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: 1424

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: 1180

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: 53
Views: 2214

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: 34
Views: 3755

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: 1399

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: 184
Views: 20096

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: 9
Views: 556

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: 11
Views: 1105

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

I think you are doing fine and keep fully fund your retirement.