Search found 347 matches

by John Laurens
Fri Mar 23, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: How can I start investing when equities and real estate are this much high?
Replies: 65
Views: 8627

Re: How can I start investing when equities and real estate are this much high?

Op, you were either wrong in 2014 or wrong now (or both). Isn’t it exhausting trying to be right? Why not try allowing empirical academic research guide your decisions instead of your emotions. Regards, John Hi, John, I understand your point. While I'm trying to find a better way to invest, my wife...
by John Laurens
Fri Mar 23, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: How can I start investing when equities and real estate are this much high?
Replies: 65
Views: 8627

Re: How can I start investing when equities and real estate are this much high?

Op, you were either wrong in 2014 or wrong now (or both). Isn’t it exhausting trying to be right? Why not try allowing empirical academic research guide your decisions instead of your emotions.

Regards,
John
by John Laurens
Wed Feb 28, 2018 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: dumb question re: wash sale and TLH
Replies: 8
Views: 516

Re: dumb question re: wash sale and TLH

You can TLH anything you want as long as you do not purchase any substantially identical shares for 30 days.

Regards,
John
by John Laurens
Sat Feb 24, 2018 6:00 pm
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 81
Views: 6145

Re: # X Gross = Home price?

I would buy a house that is 5.5 times the gross salary of someone who makes half my salary.

Regards,
John
by John Laurens
Sat Feb 24, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Move out of bond fund or not?
Replies: 14
Views: 1353

Re: Move out of bond fund or not?

I’m making assumptions here. I assume this is a taxable account and you have no more room in your tax deferred accounts for taxable bonds to meet your desired AA? I would TLH your total bond fund and run a calculation to see if you would be better off with municipal bonds or taxable bonds going forw...
by John Laurens
Fri Feb 23, 2018 5:20 pm
Forum: Investing - Help with Personal Investments
Topic: Financial proposal from Adviser
Replies: 37
Views: 3688

Re: Financial proposal from Adviser

If I could get a guaranteed quadrupling of my principle in 2038 I would jump on it. Of course he won’t guarantee anything. Which begs the question, why stop at quadrupling? Could of at least offered you a couple thousand percent. Weak salesman.

Regards,
John
by John Laurens
Fri Feb 23, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 9117

Re: "Bogleheads.org" by Kristine Hayes"

Acronyms are fine. Any community has a peculiar language. To a person just learning personal finance and investing basics, is there really a difference between real estate investment trust and REIT? Both are foreign terms.

Regards,
John
by John Laurens
Tue Feb 20, 2018 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 39
Views: 4469

Re: I reduced my exposure to US stocks before the correction.

Op,

You are a market timer. Why haven’t you successfully market timed your bonds? If you are going to market time your equities, you might as well market time your fixed income.

Regards,
John
by John Laurens
Mon Feb 19, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account advice
Replies: 3
Views: 531

Re: Taxable account advice

Sounds like you are doing well. I would be concerned about wash sales with VTI in both your personally managed and betterment account. I think over time, you would be better served with everything in one taxable account. TLH is not difficult to perform yourself. If simplicity is your ultimate goal, ...
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: 103
Views: 7667

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: 8
Views: 1445

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: 1537

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: 4985

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: 1402

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: 2514

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: 119
Views: 9765

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: 728

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: 1795

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: 8633

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: 486

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: 1285

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: 1065

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: 1065

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: 1100

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: 1100

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: 1093

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: 2282

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: 492

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: 6446

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: 677

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: 1806

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: 1806

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: 1806

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: 430

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: 1538

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: 1109

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: 49
Views: 4682

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: 1373

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: 3368

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: 6973

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: 2019

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: 599

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: 3026

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: 345

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: 7111

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: 2217

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: 748

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: 748

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