Search found 338 matches

by John Laurens
Fri Feb 09, 2018 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4780

Re: I didn't tax-loss harvest this month, did you?

I TLH bonds for both my MIL and mother. TLH total Stock and total international for my mother. TLH total stock and international for my own accounts.

Regards,
John
by John Laurens
Thu Feb 08, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvest Total Bond Market Fund (VBTLX)
Replies: 3
Views: 407

Re: Tax Loss Harvest Total Bond Market Fund (VBTLX)

You should definitely TLH now. If your replacement fund drops, then TLH it, too. Substitute fund? That depends on what else is going on in your portfolio. Normally, one would not have VBTLX in a taxable account and certainly not the amount that you have to create a $5,000 loss. So I don't think you...
by John Laurens
Thu Feb 08, 2018 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Stay at American Funds or move to Vanguard?
Replies: 14
Views: 1272

Re: Stay at American Funds or move to Vanguard?

I would choose option C as well. Leaving the current value but redirecting all new purchases to Vanguard will serve 2 purposes. One, from a gratitude perspective it will allow you to not be an ungrateful know it all. Two, with all future contributions being directed to low fee index funds at Vanguar...
by John Laurens
Sat Feb 03, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford this house?
Replies: 50
Views: 4305

Re: Can I afford this house?

I would stay where you are at least until you and your next baby are healthy. Not unusual for a mother to have health problems in pregnancy or post partum that would require you not working for an extended period of time. Your unborn baby could be born with a health problem that would necessitate on...
by John Laurens
Fri Feb 02, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off mortgage and other cash plays
Replies: 15
Views: 1186

Re: Pay off mortgage and other cash plays

Your net worth is 3+ million. Silly to have a mortgage and car loan. Pay them off. Being completely debt free will increase the success of his business.

Regards,
John
by John Laurens
Fri Feb 02, 2018 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Beating the 55k IRS limit?
Replies: 23
Views: 2246

Re: Beating the 55k IRS limit?

Veaselhaufen wrote:
Thu Feb 01, 2018 6:46 pm
Anyone know if both my wife and I are able to max out our 403b and 457 accounts at separate jobs ((18.5 + 18.5) x 2 = 72k) if we we file jointly?

Thank you and I love you all!
That’s not beating it. The limit is 55k per person. 110k MFJ.

Regards,
John
by John Laurens
Fri Feb 02, 2018 7:33 am
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 91
Views: 5149

Re: Fewer acronyms please

Shouldn’t we want certain abbreviations to be so common that they overtake the long hand themselves? In so much as, LASER and SCUBA are the understood acronym, I hope VTI, VXUS, and BND become the same.

Regards,
John
by John Laurens
Thu Feb 01, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: VCSH - Curious why fairly large recent price decline given short Duration
Replies: 9
Views: 561

Re: VCSH - Curious why fairly large recent price decline given short Duration

As of this morning (2/2/2018) VCSH's market price has declined about 1.8% in the last 5 months. Not a bond expert and curious why the relatively large decline for a short term bond ETF (Duration = 2.8 years) given short term rates have not increased that much over that time span. Is it possibly due...
by John Laurens
Thu Feb 01, 2018 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off future DIL's school loans?
Replies: 28
Views: 1493

Re: Pay off future DIL's school loans?

As of now SHE has student loans. Once married, THEY have student loans. I would wait until they are married.

Regards,
John
by John Laurens
Thu Feb 01, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: I have an overwhelming gift I'm in need of help of please.
Replies: 89
Views: 7862

Re: I have an overwhelming gift I'm in need of help of please.

If your house was paid for and you had a full ER Fund, would you pull out 270k so that you would have a windfall? If the answer is “no”, pay off the house.

Regards,
John
by John Laurens
Tue Jan 30, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: 401K -Vanguard Institutional Target Retirement 2045 Fund Institutional Shares VITLX
Replies: 6
Views: 353

Re: 401K -Vanguard Institutional Target Retirement 2045 Fund Institutional Shares VITLX

If around 2045 is when you are planning on retiring, then you couldn’t make a better selection. You could make other equally good selections. There is no need for monitoring. In fact, assuming nothing changes regarding your retirement date, you really don’t need to look again for another 25 years. R...
by John Laurens
Tue Jan 30, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on this beginner strategy?
Replies: 16
Views: 1109

Re: Thoughts on this beginner strategy?

Fine for now? It’s fine forever.

Regards,
John
by John Laurens
Tue Jan 30, 2018 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: $30k sitting in savings, want to invest
Replies: 8
Views: 862

Re: $30k sitting in savings, want to invest

You stated that you were going to open a Vanguard Roth IRA with a target date fund (a very good idea). When you fund, Vanguard will ask if you want the contribution to be for 2017 or 2018 (up until April 15).

Regards,
John
by John Laurens
Tue Jan 30, 2018 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: $30k sitting in savings, want to invest
Replies: 8
Views: 862

Re: $30k sitting in savings, want to invest

The wiki would suggest you keep doing exactly as your doing. High yield savings or a 2 year CD is the appropriate investment for your goal.

Regards,
John
by John Laurens
Mon Jan 29, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions sought on insuring my wife
Replies: 14
Views: 933

Re: Opinions sought on insuring my wife

I concur with above. Bogleheads are the least likely to advise overinsuring. It seems prudent to buy life insurance on your wife in this situation. Also you should make sure you have an estate plan specific for your need in this area. Regards, John Not to worry about over insuring. Companies won't ...
by John Laurens
Mon Jan 29, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions sought on insuring my wife
Replies: 14
Views: 933

Re: Opinions sought on insuring my wife

I concur with above. Bogleheads are the least likely to advise overinsuring. It seems prudent to buy life insurance on your wife in this situation. Also you should make sure you have an estate plan specific for your need in this area.

Regards,
John
by John Laurens
Mon Jan 29, 2018 5:26 pm
Forum: Investing - Theory, News & General
Topic: Sense of security with ETF's?
Replies: 10
Views: 904

Re: Sense of security with ETF's?

Can you define what “hit the fan” and “sell off” mean?Those phrases mean different things to different people. We can help with more information.

Also are you asking for a friend? Cause your username conflicts with your question.

Regards,
John
by John Laurens
Mon Jan 29, 2018 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Transamerica Life insurance/investments
Replies: 39
Views: 1942

Re: Transamerica Life insurance/investments

If it averages 9-15%, just have them guarantee 9% every year and give the excess to them. They should be happy with that deal, right? They won’t take it. That’s how you will know they are lying to you. I’ve never met a financial salesman, I mean advisor that would put their claims in writing. Regard...
by John Laurens
Sat Jan 27, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: I have cash...I need help.
Replies: 2
Views: 399

Re: I have cash...I need help.

I understand emergency fund. I don’t understand “sideline fund”. Your choice of emergency fund placement is reasonable.

Regards,
John
by John Laurens
Thu Jan 25, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking About Timing the Market
Replies: 75
Views: 5615

Re: Thinking About Timing the Market

Did you borrow your life away 8 years ago and invest? If you didn’t, you were either wrong then or you are wrong now. Which is it? Knowing that I could be wrong about anything, I follow academic research. Therefore I maintain and rebalance to my AA that meets my need, ability, and willingness to tak...
by John Laurens
Wed Jan 24, 2018 9:15 am
Forum: Investing - Help with Personal Investments
Topic: RothIRA/index timing?
Replies: 8
Views: 588

Re: RothIRA/index timing?

Have you considered a target date retirement fund or life strategy fund?

Regards,
John
by John Laurens
Thu Jan 18, 2018 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: 457 worth it with these fees?
Replies: 47
Views: 1558

Re: 457 worth it with these fees?

Yes. I would then adjust my other accounts as part of my overall asset allocation. Did you know a nice feature of 457 plans is you can withdraw contributions any time without a 10% penalty. You do have to pay regular income taxes. Nice feature if you retire before 59.5. Regards, John John, do you k...
by John Laurens
Thu Jan 18, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: 457 worth it with these fees?
Replies: 47
Views: 1558

Re: 457 worth it with these fees?

Yes. I would then adjust my other accounts as part of my overall asset allocation. Did you know a nice feature of 457 plans is you can withdraw contributions any time without a 10% penalty. You do have to pay regular income taxes. Nice feature if you retire before 59.5.

Regards,
John
by John Laurens
Thu Jan 18, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: 457 worth it with these fees?
Replies: 47
Views: 1558

Re: 457 worth it with these fees?

Yes. Depending on your tax bracket. I would max Roth’s and HSAs first though.

Regards,
John
by John Laurens
Thu Jan 18, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Help with HSA with TD Ameritrade - investment choice
Replies: 3
Views: 262

Re: Help with HSA with TD Ameritrade - investment choice

Not sure what you mean by wiggle room. Those broad total stock market etfs track with little or no error. You can use a commission free etf from TDA. I choose to pay $6.95 for a one time purchase of an ETF each year with my max contribution ($6900 in 2018 for family). I have DRIP turned on. Regards,...
by John Laurens
Tue Jan 16, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: have about 400k of new money coming in
Replies: 8
Views: 1416

Re: have about 400k of new money coming in

panchilly wrote:
Mon Jan 15, 2018 10:05 pm
Thinking about putting 100% of it in VEU.

Is this wise?
Didn’t you already ask this question in December? Are you expecting different answers? There is a search function that allows you (or anyone else) to search your old posts.

Regards,
John
by John Laurens
Sat Jan 13, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401(k)-Contributing ALL net income?
Replies: 11
Views: 1012

Re: Solo 401(k)-Contributing ALL net income?

Nothing wrong with Vanguard i401k. You are right that Vanguard’s i401k only allows investor shares. I recommend a Life Strategy or Target Retirement Fund if you use Vanguard’s i401k. There is no admiral share class anyway for those and you get free rebalancing built in. Disclosure. My solo 401k is w...
by John Laurens
Sat Jan 13, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services Fees
Replies: 33
Views: 2291

Re: Vanguard Personal Advisory Services Fees

I believe VPAS overcharges for what they offer. Basically a LS Fund broken into smaller parts for 30 basis points.

That being said, My wife knows to call VPAS immediately upon my death and sign up. The alternatives to VPAS are much worse.

Regards,
John
by John Laurens
Sat Jan 13, 2018 10:59 am
Forum: Investing - Help with Personal Investments
Topic: A few questions on taxable fund bond fund investments....
Replies: 18
Views: 1219

Re: A few questions on taxable fund bond fund investments....

Sorry, you lost me with all the market timing, macro economic, and active management “reasoning”. I have no idea what the NAV of the Vanguard Intermediate tax exempt MF will be in a few years. I do know that it will fluctuate though. You may even lose principal. If you want no risk of loss of princi...
by John Laurens
Wed Jan 10, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with a 25 million windfall?
Replies: 47
Views: 2937

Re: What would you do with a 25 million windfall?

How did it take 33 years to learn your trade (physician)?

If that’s your age, is my snot nosed nephew 60% doctor?

Regards,
John
by John Laurens
Wed Jan 10, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?
Replies: 48
Views: 6478

Re: If I have a million with Edward Jones, in 10 years, how much money has my FA made off me?

Your title and question are incongruent. Are you asking what Edward Jones charges you or your parents. If it’s your parents, you could ask them.

Regards,
John
by John Laurens
Tue Jan 09, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Finance Magazine
Replies: 17
Views: 1846

Re: Personal Finance Magazine

I subscribe to Money Magazine. In general they promote low cost index investing, but contradict themselves with lots of market timing and sector picks. A lot like bogleheads.org posters here lately. You know the, “I’ve been out of the market for the last 8 years. I’m not a market timer, but do you t...
by John Laurens
Tue Jan 09, 2018 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: where would you start a new investment in an S&P500 type Index Fund?
Replies: 7
Views: 520

Re: where would you start a new investment in an S&P500 type Index Fund?

Hello. If you were starting fresh today and didn't have any established relationship, where would you open a new Index Fund account? Something that follows the S&P 500 or very similar. I assume criteria would be: convenience of access; costs; reputation and history of the firm. If it matters, I'm s...
by John Laurens
Mon Dec 25, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Holding cash while researching investment manager
Replies: 51
Views: 2672

Re: Holding cash while researching investment manager

I love that the advisor you are considering is a big fan of Buffett. Hopefully your advisor is following Buffett’s advice and recommending you NOT invest with him, but do your own investing in a S&P index fund and avoid advisors entirely.

Regards,
John
by John Laurens
Sun Dec 24, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: LLC - S -Corp - Strategy
Replies: 1
Views: 303

Re: LLC - S -Corp - Strategy

1. Not quite sure what you are asking in regards to taxes? Withdrawals at 65 (the age you stated) are taxed at your marginal tax rate. Assuming you weren’t using a Roth solo 401k on the employee contribution. 2. A defined benefit plan at age 25 would make little sense. It’s based on an actuarial tab...
by John Laurens
Thu Dec 21, 2017 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey Style Vanguard Portfolio?
Replies: 51
Views: 4192

Re: Dave Ramsey Style Vanguard Portfolio?

whodidntante wrote:
Wed Dec 20, 2017 8:53 pm
When you spoke to one of Dave's endorsed local providers with the heart of a teacher, what did they say?
+infinity

Regards,
John
by John Laurens
Wed Dec 20, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: Is there a reason to keep a Target Retirement Fund?
Replies: 17
Views: 1861

Re: Is there a reason to keep a Target Retirement Fund?

Having millions in a TR fund within a tax advantaged account is more than acceptable.

Regards,
John
by John Laurens
Wed Dec 20, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Which one of these would cause the most taxes at Vanguard?
Replies: 9
Views: 680

Re: Which one of these would cause the most taxes at Vanguard?

rec7 wrote:
Wed Dec 20, 2017 9:50 am
John Laurens wrote:
Wed Dec 20, 2017 9:45 am
Why do you assume a boost? Could easily be a bust.

Regards,
John
Bought close to the payout date almost always a boost.
Then you should buy the one that results in the most taxes. Most taxes equals most boost.

Regards,
John
by John Laurens
Wed Dec 20, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Which one of these would cause the most taxes at Vanguard?
Replies: 9
Views: 680

Re: Which one of these would cause the most taxes at Vanguard?

Why do you assume a boost? Could easily be a bust.

Regards,
John
by John Laurens
Mon Dec 18, 2017 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Can I afford it: Dodge Challenger
Replies: 122
Views: 6679

Re: Can I afford it: Dodge Challenger

Nope.

Regards,
John
by John Laurens
Mon Dec 18, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Cashed out and wondering if/when to get back in
Replies: 26
Views: 3832

Re: Cashed out and wondering if/when to get back in

If your time horizon is 20+ years as you state, what happened in the last month and what will happen next month is inconsequential.

Regards,
John
by John Laurens
Mon Dec 18, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Why You Took an Adjustable Rate Mortgage?
Replies: 43
Views: 3393

Re: Why You Took an Adjustable Rate Mortgage?

I took a 5 year ARM once. I paid the mortgage in full in less than 3 years.

Regards,
John
by John Laurens
Thu Dec 14, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25480

Re: New HSA provider Lively offers investments for $30/yr fee

I just completed the switch to Lively and executed my first trades today. The process was similar to jfhenton's description. -Sign up was quick and easy as described. I did get the request to upload my drivers license photo. -Service on Lively's end was excellent. The transfer papers were all done ...
by John Laurens
Wed Dec 13, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Jim Simons Medalion fund averages 71.8% annual return
Replies: 26
Views: 4221

Re: Jim Simons Medalion fund averages 71.8% annual return

Possibly. I’ll let you know how my job interview goes.

Regards,
John
by John Laurens
Sun Dec 10, 2017 2:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Investment Advice
Replies: 34
Views: 4143

Re: Vanguard Investment Advice

Yes PAS is basically a LS Fund with a 0.3% upcharge.

Regards,
John
by John Laurens
Sun Dec 10, 2017 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Tool to Model Cost Basis before you sell?
Replies: 7
Views: 452

Re: Fidelity Tool to Model Cost Basis before you sell?

Why are choosing to fund a traditional IRA over a Roth?

Regards
John
by John Laurens
Sun Dec 10, 2017 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help Choosing a Fidelity Bond Index Fund
Replies: 19
Views: 1228

Re: Help Choosing a Fidelity Bond Index Fund

My only bond holding at Fidelity is IUSB.

Regards,
John
by John Laurens
Fri Dec 08, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: on keeping a tranche of active mgmt in Roth
Replies: 16
Views: 735

Re: on keeping a tranche of active mgmt in Roth

I think you are not being unreasonable. Personally, I know behaviorally I would not be able to stay the course if I was paying someone 10-30 times the index ER if they underperformed potentially many years in a row.

Regards,
John