Search found 763 matches

by CyclingDuo
Tue Oct 17, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 26
Views: 1356

Re: Opinions on bicycle disc brakes?

If the brakes are performing, personally, I wouldn't worry about a squeak or a squeal. If only the issue was so minor. My front brakes seem to be converting much of my kinetic energy into acoustic energy. The result is almost physically painful, and not something I want to inflict on the neighborho...
by CyclingDuo
Tue Oct 17, 2017 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Adding funds to portfolio full of individual stocks
Replies: 7
Views: 499

Re: Adding funds to portfolio full of individual stocks

All my current investments are 100% individual US stocks (brokerage + Tradisional IRA). Since my recent introduction to Bogleheads and reading the material here, I have realized that I need to change my strategy. I am looking at the following funds. I need to eventually work towards a good asset al...
by CyclingDuo
Tue Oct 17, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: Opinions on bicycle disc brakes?
Replies: 26
Views: 1356

Re: Opinions on bicycle disc brakes?

I've been bicycling regularly for about 10 years. In that time, I've had my share of mechanical issues, but by far the most tempermental component seems to be brakes. There have been periods of time where I had the brakes set up just the way I like them, close into the rim with great stopping power...
by CyclingDuo
Mon Oct 16, 2017 9:19 am
Forum: Investing - Help with Personal Investments
Topic: [How to get started buying stocks]
Replies: 11
Views: 647

Re: How to get started buying stocks

Hi. I'm 52 and have been saving some money in a savings account, I have a 401K at work and I have a Roth IRA. I was interested in buying stocks and wondered if it was possible to start slow to get my feet wet and just buy one or two stocks at a time. If that is possible which site is best to do tha...
by CyclingDuo
Sat Oct 14, 2017 3:44 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 86
Views: 4622

Re: How many miles/years do you keep your car?

I have a 2001 Toyota Tundra that is my daily driver with 199,000 miles. I purchased it new. It is very comfortable to me and has just the right amount of crappy that I don't have to worry about using it like a truck or parking it anywhere. It has been very reliable and has never left me stranded. P...
by CyclingDuo
Fri Oct 13, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 403b vs. simplicity?
Replies: 11
Views: 510

Re: Vanguard 403b vs. simplicity?

The reason for this unusual situation is that my wife and I are paid by 2 separate entities with a common paymaster and a single W2. I'd love if this counted as 2 employers with separate limits, but I don't think it does. Lost me on that one. Two SS #'s/tax ID's being reported from two separate ent...
by CyclingDuo
Fri Oct 13, 2017 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 403b vs. simplicity?
Replies: 11
Views: 510

Re: Vanguard 403b vs. simplicity?

The reason for this unusual situation is that my wife and I are paid by 2 separate entities with a common paymaster and a single W2. I'd love if this counted as 2 employers with separate limits, but I don't think it does. Lost me on that one. Two SS #'s/tax ID's being reported from two separate ent...
by CyclingDuo
Fri Oct 13, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 86
Views: 4622

Re: How many miles/years do you keep your car?

I know this has probably been beaten to death but I'm still interested in it. :) If you buy used how old/miles do you generally buy and what age/miles do you sell it on average? If you buy new, how many miles/years before you sell it? If you lease, please ignore this thread. What is your rule of th...
by CyclingDuo
Fri Oct 13, 2017 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 403b vs. simplicity?
Replies: 11
Views: 510

Re: Vanguard 403b vs. simplicity?

The reason for this unusual situation is that my wife and I are paid by 2 separate entities with a common paymaster and a single W2. I'd love if this counted as 2 employers with separate limits, but I don't think it does. Lost me on that one. Two SS #'s/tax ID's being reported from two separate ent...
by CyclingDuo
Fri Oct 13, 2017 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 403b vs. simplicity?
Replies: 11
Views: 510

Re: Vanguard 403b vs. simplicity?

For reasons too complicated to get into, my (large nonprofit state-affiliated) employer offers both a 403b (which can be serviced at Vanguard) and a 401k at Merrill Lynch. Only the ML 401k has a match. Up to this point, I've contributed up to the match in the ML 401k, and the rest (to max) to the 4...
by CyclingDuo
Fri Oct 13, 2017 8:23 am
Forum: Personal Consumer Issues
Topic: A good value wine I found...
Replies: 22
Views: 2508

Re: A good value wine I found...

All this chit chat, and no drinking? Come on folks, Friday the 13th deserves a little nectar with your meal tonight... https://farm5.staticflickr.com/4511/37475102866_d17183e26b_c.jpg ][/url] Bogle wines were on sale this week at the grocery store, so we already enjoyed one of the 2 bottles we picke...
by CyclingDuo
Fri Oct 13, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing on my portfolio?
Replies: 8
Views: 1075

Re: How am I doing on my portfolio?

@mhc Yes, CyclingDuo and mega317 are correct, I am stuck with 50% of the total value of my 401k in American Funds and with those pretty poor choices. I'm paying $100 a year to have 50% of it self-directed in an Ameritrade account. In that case, continue to lobby your employer for a better, lower co...
by CyclingDuo
Thu Oct 12, 2017 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Teachers: what are your best personal finance tips?
Replies: 80
Views: 8737

Re: Teachers: what are your best personal finance tips?

- Avoid the 403b insurance salesmen in the lounge like the plague. Again, it really depends on the company and the plan that was negotiated by your employer/school district/state with regard to ER fees and wrap fees. It's nice to think that they are all wolves in sheep's clothing , but on occasion ...
by CyclingDuo
Thu Oct 12, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: admiral shares or investor shares?
Replies: 24
Views: 2909

Re: admiral shares or investor shares?

The automatic monthly additions are only accomplished in Robo accounts for ETF's (which has a $50K minimum at Vanguard and charges .3% fee). To avoid those fees, monthly automatic investments would gather in your brokerage cash account, and then you would choose when to do the automatic DCA investm...
by CyclingDuo
Thu Oct 12, 2017 7:31 am
Forum: Investing - Help with Personal Investments
Topic: admiral shares or investor shares?
Replies: 24
Views: 2909

Re: admiral shares or investor shares?

I would stick with the TF until you have significant amounts in taxable and deferred to purchase admiral shares in a tax efficient manner. Except that by then, he'd also have cap gains taxes to worry about, not small ER differences. OP, my advice is to start as you intend to go. Using a 3 or 4-fund...
by CyclingDuo
Thu Oct 12, 2017 7:03 am
Forum: Investing - Theory, News & General
Topic: Offensive Valuations
Replies: 45
Views: 4060

Re: Offensive Valuations

I'd like to post this and get replies. I am a business analyst by trade for a mega corp, so this is how I think. 1. I treat the S&P 500 as a "business", for which I can buy shares of this business. 2. As an analyst I know how fudged most of the accounting is, and so I use what nobody can really 'ad...
by CyclingDuo
Thu Oct 12, 2017 5:51 am
Forum: Investing - Help with Personal Investments
Topic: admiral shares or investor shares?
Replies: 24
Views: 2909

Re: admiral shares or investor shares?

I would stick with the TF until you have significant amounts in taxable and deferred to purchase admiral shares in a tax efficient manner. Except that by then, he'd also have cap gains taxes to worry about, not small ER differences. OP, my advice is to start as you intend to go. Using a 3 or 4-fund...
by CyclingDuo
Wed Oct 11, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: admiral shares or investor shares?
Replies: 24
Views: 2909

Re: admiral shares or investor shares?

hello bogleheads, I'm currently in a vanguard target 2040 fund (vforx) (.16% ER) that is about to cross the $10,000 threshold, which qualifies me for an admiral share. i am torn between investor shares & admiral shares...also, vanguard is prompting me to transition to a brokerage account, any advic...
by CyclingDuo
Wed Oct 11, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2257

Re: Best weight loss resources?

Now that I hit my late 20s, I am finding that office work and not eating my vegetables is quickly catching up to me. However, my knowledge of nutrition and exercise is summed up by "eat better and exercise more." When I try to look for information, I find every google search is just riddled with so...
by CyclingDuo
Wed Oct 11, 2017 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Advice on Canceling Fidelity Portfolio Advisory Service
Replies: 27
Views: 1932

Re: Advice on Canceling Fidelity Portfolio Advisory Service

Hi All, First, thank you to the many active, helpful and knowledgeable participants here. I have learned a great deal in a short time due to the work and time that you dedicate to supporting others. It is greatly appreciated. Second, here is the challenge: Before I became educated in the way of the...
by CyclingDuo
Wed Oct 11, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: How am I doing on my portfolio?
Replies: 8
Views: 1075

Re: How am I doing on my portfolio?

Emergency funds: Done Debt: mortgage at 3.875% Tax Filing Status: Married filing Jointly Tax Rate: 25% Federal, 4.67% State State of Residence: CO Age: 40 Desired Asset allocation: 90% stocks / 5% bonds Porfolio: Low to mid six figures Current retirement assets Taxable 17% cash (for investing – do ...
by CyclingDuo
Wed Oct 11, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Should I keep my Stocks?
Replies: 42
Views: 3602

Re: Should I keep my Stocks?

Questions: 1. How do I decide my AA? https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations Those portfolio allocations give you an idea of risk/reward. 2.What is a taxable account? This would be money available for you to invest outside of your tax advantaged retire...
by CyclingDuo
Wed Oct 11, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital advisor service
Replies: 4
Views: 413

Re: Personal Capital advisor service

I use the personal capital platform to be able to view all investments together. I like the feature because we have accounts at several different places due to changing jobs etc. They have reached out about rolling my eligible accounts over and managing my funds at .89%. Does anyone have experience...
by CyclingDuo
Wed Oct 11, 2017 12:07 am
Forum: Personal Consumer Issues
Topic: Sonoma in October
Replies: 56
Views: 4651

Re: Sonoma in October

DW and I are heading to the wine country this October. Staying in Petaluma, with some plans to visit the coast, wineries and maybe an olive oil ranch. For those of you that have been there, were there any wineries you really liked, or things you did that you would recommend ? Check with your booked...
by CyclingDuo
Tue Oct 10, 2017 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: admiral shares or investor shares?
Replies: 24
Views: 2909

Re: admiral shares or investor shares?

hello bogleheads, I'm currently in a vanguard target 2040 fund (vforx) (.16% ER) that is about to cross the $10,000 threshold, which qualifies me for an admiral share. i am torn between investor shares & admiral shares...also, vanguard is prompting me to transition to a brokerage account, any advic...
by CyclingDuo
Tue Oct 10, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on Canceling Fidelity Portfolio Advisory Service
Replies: 27
Views: 1932

Re: Advice on Canceling Fidelity Portfolio Advisory Service

Hi All, First, thank you to the many active, helpful and knowledgeable participants here. I have learned a great deal in a short time due to the work and time that you dedicate to supporting others. It is greatly appreciated. Second, here is the challenge: Before I became educated in the way of the...
by CyclingDuo
Tue Oct 10, 2017 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Protecting against the possibility of a correction?
Replies: 45
Views: 3858

Re: Protecting against the possibility of a correction?

Is anyone doing anything to protect against the possibility of a correction, apart, of course, from the standard Bogleheads stay the course, rebalance, etc? Meb Faber has an article out where he explains the use of a combination of monthly 5% out of the market put options on the market plus governm...
by CyclingDuo
Tue Oct 10, 2017 4:39 am
Forum: Investing - Help with Personal Investments
Topic: Protecting against the possibility of a correction?
Replies: 45
Views: 3858

Re: Protecting against the possibility of a correction?

Is anyone doing anything to protect against the possibility of a correction, apart, of course, from the standard Bogleheads stay the course, rebalance, etc? Meb Faber has an article out where he explains the use of a combination of monthly 5% out of the market put options on the market plus governm...
by CyclingDuo
Mon Oct 09, 2017 8:11 am
Forum: Investing - Help with Personal Investments
Topic: overloaded w/ Goog?
Replies: 10
Views: 1181

Re: overloaded w/ Goog?

Hi all, I know diversification is a good thing, but I'm irrationally holding on to what is probably too much Google stock from employee grants. Is this stupid, at age 37? Google stock has done very well over the last 5-6 years so instead of selling them and diversifying, I just hold on to them and ...
by CyclingDuo
Sun Oct 08, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Grandad gifted FAGIX in UTMA account
Replies: 16
Views: 1228

Re: Grandad gifted FAGIX in UTMA account

Our only beef with the FFNOX used to be the expense ratio for the fund, ... The net expense ratio of FFNOX is 0.11%, and that includes the expenses of the underlying funds. So if that's your beef, I don't know what to say except that you have gone off the deep edge. I believe you misinterpreted our...
by CyclingDuo
Sun Oct 08, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Grandad gifted FAGIX in UTMA account
Replies: 16
Views: 1228

Re: Grandad gifted FAGIX in UTMA account

I didn't see it mentioned, but if Grandad will really get upset by this. The waiting period only applies to tax loss harvesting. With tax gain harvesting, you can sell a security one day and buy the exact same security the next day. Not withstanding that, I completely agree with livesoft's last pos...
by CyclingDuo
Sun Oct 08, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Grandad gifted FAGIX in UTMA account
Replies: 16
Views: 1228

Re: Grandad gifted FAGIX in UTMA account

So my dad had us all set up UTMA accounts for each of his grandkids at Fidelity this year. He's starting to fund the accounts now. There's around $11k of Fidelity Capital and Income (FAGIX) that showed up recently. According to the purchase data that came with the transfer it has a built-in LTCG of...
by CyclingDuo
Sun Oct 08, 2017 8:13 am
Forum: Investing - Theory, News & General
Topic: Length of bull market become more risky?
Replies: 15
Views: 1529

Re: Length of bull market become more risky?

I thought we were just now arriving at the beginning of the bull that was predicted to begin 17-20 years after the 2000 bear, and that all those other little blips along the way (like 2008) were just... blips? In the case of the Nasdaq 100, yes. It just broke out in July 2016 after nearly 17 years ...
by CyclingDuo
Sun Oct 08, 2017 7:57 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 11913

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

I dont understand how buffet or bogle saying this, is any different than people here who say "Im thinking of going all cash". I doubt this thread is actionable, so it will probably be locked. I dont base my investment decisions on 90+ year old men's thoughts about the market. Neither are 90, let al...
by CyclingDuo
Sun Oct 08, 2017 6:18 am
Forum: Investing - Theory, News & General
Topic: Relative Importance of Savings Rate, Asset Allocation, and Investment Selection
Replies: 21
Views: 1684

Re: Relative Importance of Savings Rate, Asset Allocation, and Investment Selection

Savings Rate is the most important factor in personal finance. True, that! But fees really, really, really matter a lot. If the tail wags the dog, then fees wag the savings rate. Take the OP's original three questions, and once you get beyond the living within one's means, it could be something sim...
by CyclingDuo
Sat Oct 07, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 881556

Re: What Movie Have You Recently Watched?

Victoria and Abdul.
by CyclingDuo
Sat Oct 07, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Should I keep my Stocks?
Replies: 42
Views: 3602

Re: Should I keep my Stocks?

Thank you all for your opinions. All my individual stocks were bought when I was an ignorant Edward Jones sheep. Luckily, the EJ team put you in a nice diverse mix covering plenty of sectors. I will list them below to help everyone understand my position. I am just trying to understand why EJ advis...
by CyclingDuo
Sat Oct 07, 2017 5:21 pm
Forum: Investing - Theory, News & General
Topic: CAPE As A Risk Management Tool
Replies: 7
Views: 704

Re: CAPE As A Risk Management Tool

Can anyone provide any recent examples (say the past 20 years) where CAPE indicated one should be buying equities? Valuations: Yes, they're high, but since 2009 we've become enchanted by what everyone calls Shiller's Cape. We went back to the 1980s and found that in an entire 10-year span, there was...
by CyclingDuo
Sat Oct 07, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: Relative Importance of Savings Rate, Asset Allocation, and Investment Selection
Replies: 21
Views: 1684

Re: Relative Importance of Savings Rate, Asset Allocation, and Investment Selection

I have been wondering the answer to this question: What percentage of the average Boglehead investor's success is due to having a high savings rate and living below one's means? What percentage of the average Boglehead investor's success is attributable to stock/bond/cash asset allocation? What per...
by CyclingDuo
Sat Oct 07, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3775

Re: How do you value your time?

If it's something I enjoy or don't mind doing - my time is worth $0.00. If it's something I'd rather farm out, my time starts at $75/hour and goes up from there depending on aggravation level. I fully agree with this, and various previous comments about not forgetting the distorting effects of taxe...
by CyclingDuo
Sat Oct 07, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital Service
Replies: 8
Views: 1012

Re: Personal Capital Service

I recently set up a free Personal Capital account for the purpose of viewing / tracking all assets in one place. I was approached by an Personal Capital advisor who walked me through their investment approach to "Tactical Weighting" each sector of the market with an equal weight. This advisor displ...
by CyclingDuo
Sat Oct 07, 2017 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Should I keep my Stocks?
Replies: 42
Views: 3602

Re: Should I keep my Stocks?

I am 47 and have a 401K with my employer with a current value of $150K. I also have a pension with my employer with a current balance of $40K. I finally moved my separate IRA from Edward Jones about 6 months ago to Vanguard. I liquidated the EJ mutual funds, which were $140K , before moving to Vang...
by CyclingDuo
Fri Oct 06, 2017 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Selling stocks to buy Vanguard Funds
Replies: 9
Views: 799

Re: Selling stocks to buy Vanguard Funds

Thanks for the reply. My federal bracket is 33% and state is 6.84%. I have 4 individual stocks (American Express, Amgen, Oracle, ADP) worth 187,200 with capital gains of 154,000. Obviously, these have been held for quite some time. This represents 20% of my otherwise diversified portfolio of Vangua...
by CyclingDuo
Thu Oct 05, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3775

Re: How do you value your time?

If it's something I enjoy or don't mind doing - my time is worth $0.00. If it's something I'd rather farm out, my time starts at $75/hour and goes up from there depending on aggravation level. We got a quote from a local lighting electrician to have 6 lights changed in our kitchen, plus above cabin...
by CyclingDuo
Thu Oct 05, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Millionaire Next Door (Thank you Bogleheads)
Replies: 81
Views: 11056

Re: Millionaire Next Door (Thank you Bogleheads)

So with that Bogleheads, please help me raise a glass in honor of my mom and help me quietly celebrate this milestone 48 years in the making...Cheers! Cheers! Here's to you doubling that amount - be it 7 years, 10 years, 12 years or whatever it takes. Yes, brand of booze chosen appropriately for th...
by CyclingDuo
Thu Oct 05, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Sell individual stocks now after transfer to Vanguard?
Replies: 14
Views: 996

Re: Sell individual stocks now after transfer to Vanguard?

First, I would like to thank those who are so generous with their time and knowledge for educating me and inspiring me to move from a brokerage to Vanguard! I am trying to decide how to proceed with the rest of the transition. Portfolio is 30 times yearly expenses. I am 64 years old and retired. Th...
by CyclingDuo
Thu Oct 05, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: Current Bull Market could last years
Replies: 89
Views: 9693

Re: Current Bull Market could last years

What constitutes the end of a bull market exactly? According to the article, a 20% decline. Both 2011 and mid 2015-2016 saw that kind of negative decline "action". Yet, the media continues to ignore them and goes with the theme "this bull has been running since 2009". How are you measuring those? W...
by CyclingDuo
Thu Oct 05, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: How do you value your time?
Replies: 97
Views: 3775

Re: How do you value your time?

I'm the kind of person who parks a mile away to avoid paying $20 for parking. I recently got married so this behavior is creating a lot of conflict. My spouse believes in "paying for convenience". I need help in how to value my time so I can find some common ground with my spouse. If I take my annu...
by CyclingDuo
Thu Oct 05, 2017 9:03 am
Forum: Investing - Theory, News & General
Topic: Annuities-when and why?
Replies: 94
Views: 12543

Re: Annuities-when and why?

I have a variable annuity at Vanguard. Can I roll that over into an SPIA? Do you mean "rollover" or do you mean "purchase" or do you mean "convert"? The variable annuity is a non-qualified annuity purchased with after tax dollars. Standard tax rules for non-qualified annuities apply (you'll be taxe...
by CyclingDuo
Wed Oct 04, 2017 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: iphone app for checking stocks and funds?
Replies: 9
Views: 788

Re: iphone app for checking stocks and funds?

Hiwatter wrote:
Wed Oct 04, 2017 2:11 pm
nothing wrong with the standard 'stocks' app that comes with iOS
True.

If that doesn't do, the Yahoo Finance App is even quicker.