Search found 858 matches

by badbreath
Wed May 23, 2018 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Should I hire a financial adviser?
Replies: 13
Views: 1266

Re: Should I hire a financial adviser?

Use Vanguards PSA as your adviser till you understand it more
by badbreath
Wed May 23, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Switching jobs, what to do with 401k
Replies: 12
Views: 968

Re: Switching jobs, what to do with 401k

Do it in 90 days and roll it into the new employers 401k.
by badbreath
Sun May 20, 2018 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me rationalise this 401k investment choice
Replies: 23
Views: 1257

Re: Please help me rationalise this 401k investment choice

So, let's take the example of MID-CAP GROWTH FUND RPMGX . From the "Since inspection" return of 13.86 and subtracting the net ER of .76 gives us 13.1%. This seems higher than VINIX. Is my calculation incorrect ? Or I'm not comparing similar fund classes ? If latter, what can be the reasoning behind...
by badbreath
Sun May 20, 2018 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Core Four questions
Replies: 13
Views: 1415

Re: Rick Ferri Core Four questions

How can you have a Core Four and only have 3 funds?

Look at this which shows how it is invested and how it has done historicly

https://portfoliocharts.com/portfolio/r ... core-four/
by badbreath
Sat May 19, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Taxable Account Advice
Replies: 10
Views: 1081

Re: Taxable Account Advice

Yes Total stock is very good for taxable you may want to also use a total international also

/www.bogleheads.org/wiki/Tax-efficient_fund_placement
by badbreath
Mon May 14, 2018 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: 401K to IRA (job change) question
Replies: 6
Views: 514

Re: 401K to IRA (job change) question

No befit Just roll it into the old account.

be aware of IRA to Roth conversation rules
by badbreath
Mon May 14, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to define "rich"?
Replies: 32
Views: 2256

Re: Best way to define "rich"?

When fireCalc says 100% :beer
by badbreath
Sun May 13, 2018 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Pay Off Mortgage or Invest
Replies: 7
Views: 1052

Re: Pay Off Mortgage or Invest

I would not put any on the mortgage an invest instead.. Returns on property is about 3% and investing is 6%
by badbreath
Sun May 13, 2018 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Refinance house to defer more?
Replies: 34
Views: 1605

Re: Refinance house to defer more?

Every year you should get a raise, jut take 1 to 2 % of the raise and add it to your 401k. You will still get some increase in spending creep but you have already lived on the lower income.
by badbreath
Sun May 13, 2018 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Ameriprise feedback needed
Replies: 9
Views: 794

Re: Ameriprise feedback needed

by jalbert » It doesn’t get any more egregious than proposing to cash out a pension with a lifetime income stream option to buy a lifetime income annuity where Ameriprise takes a commission out of the cash distribution and the remaining funds buy a lifetime income stream. What they are proposing fo...
by badbreath
Fri May 11, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Just started a summer job. Should i start using them for their 401k?
Replies: 27
Views: 1705

Re: Just started a summer job. Should i start using them for their 401k?

randydimera feehater wrote: ↑Fri May 11, 2018 10:18 pm If you are only working for the summer and then part time, it is probably safe to assume you are going to be paying little to no income taxes. So you should look into doing Roth accounts as opposed to traditional. If I were you I would just put...
by badbreath
Wed May 09, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Florida road trip - what towns to stay in?
Replies: 28
Views: 1728

Re: Florida road trip - what towns to stay in?

researcher wrote: ↑
Something like this...
1 - St. Augustine
2 - Cape Canaveral (see the Space Center)
3 - Islamorada
4 - Marathon
5 - Key West
6 - Key Largo
7 - Naples
This is very good
by badbreath
Tue May 08, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Which City to spend 4-6 weeks?
Replies: 47
Views: 4459

Re: Which City to spend 4-6 weeks?

Here is a list of places I would go back to for longer stay. In no order.

Milan
Edinburgh
Stockholm (summer only)
London
Paris
Rouen (More lied back but you can do great day trips)
by badbreath
Mon May 07, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Why the shift away from the S&P?
Replies: 32
Views: 3962

Re: Why the shift away from the S&P?

I own both due to what I can put into my 401k and what I have in taxable. As others are pointing out they do basically the same. 80% of the S&P is held in the TSM
by badbreath
Sat May 05, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Crossfit my portfolio
Replies: 7
Views: 545

Re: Crossfit my portfolio

Duplicate post
by badbreath
Sat May 05, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Crossfit my portfolio
Replies: 7
Views: 545

Re: Crossfit my portfolio

I will try to help but you currently have a VERY conservative portfolio Emergency funds: Covered Good Debt: $0; home is paid off Good Tax Filing Status: Single Tax Rate: 22% Federal, 5.75% State State of Residence: VA Age: 50 Expected Retirement Age: 65 Desired Asset allocation: ??? You need to figu...
by badbreath
Sat May 05, 2018 7:22 am
Forum: Investing - Theory, News & General
Topic: Paying down your mortgage as a way to balance your portfolio?
Replies: 72
Views: 3852

Re: Paying down your mortgage as a way to balance your portfolio?

by KlangFool badbreath wrote: ↑Fri May 04, 2018 8:39 pm I payed my 15 year mortgage in 15 years the started investing the payment in a taxable account. It has worked out very well. badbreath, Am I correct to assume that you were not unemployed for any significant amount of time across the multiple ...
by badbreath
Fri May 04, 2018 7:39 pm
Forum: Investing - Theory, News & General
Topic: Paying down your mortgage as a way to balance your portfolio?
Replies: 72
Views: 3852

Re: Paying down your mortgage as a way to balance your portfolio?

I payed my 15 year mortgage in 15 years the started investing the payment in a taxable account. It has worked out very well.
by badbreath
Tue May 01, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor Portfolio. Please Help me to select Funds.
Replies: 18
Views: 1465

Re: New Investor Portfolio. Please Help me to select Funds.

As Duckie is sugesting to you look as your portfolio as one not a his and hers
by badbreath
Sat Apr 28, 2018 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Next steps after "basics"?
Replies: 21
Views: 2047

Re: Next steps after "basics"?

As already suggested I would just do a taxable account with Total stock and Total international, its very tax efficient.

Read this Wiki

www.bogleheads.org/wiki/Tax-efficient_fund_placement

that Wiki is what made me realize what to invest in taxable.
by badbreath
Mon Apr 23, 2018 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Total beginner to investing, need help with basic questions
Replies: 9
Views: 917

Re: Total beginner to investing, need help with basic questions

financenoob0001 » Mon Apr 23, 2018 6:23 pm Background: 22 y/o, Recent college grad, pre-tax income is $90k. Located in texas. expenses $15k ish Very low expenses but ok I managed to arrive at adulthood without gleaning a single piece of investing knowledge. My company does not match 401k in the fir...
by badbreath
Sun Apr 22, 2018 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: How long have you been unemployed?
Replies: 60
Views: 5513

Re: How long have you been unemployed?

0 days in 35 year carrier.
by badbreath
Fri Apr 20, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: How long have you been employed?
Replies: 44
Views: 2647

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: 4533

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: 743

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: 3508

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: 660

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: 330276

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: 856

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: 2933

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: 5691

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: 9383

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: 2909

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: 828

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: 2843

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: 1284

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: 449

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: 3471

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: 1181

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: 1181

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: 9561

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: 448

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