Search found 24 matches

by dorster
Tue Jan 21, 2020 6:30 pm
Forum: Personal Investments
Topic: Backdoor, Mega Backdoor, Ugh
Replies: 19
Views: 1801

Re: Backdoor, Mega Backdoor, Ugh

Hi Barrie, welcome to the forum. I skimmed over your post, here is a quick general response. If you're able to contribute to a Roth IRA then there is no need to contribute to a backdoor Roth IRA. The backdoor Roth is a workaround for those whose income is too high to contribute to a Roth IRA. So sto...
by dorster
Sun Jan 19, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: How overvalued is this current market anyway?
Replies: 76
Views: 7723

Re: How overvalued is this current market anyway?

nisiprius wrote:
Sun Jan 19, 2020 8:49 am
Roger Babson's
Sooner or later a crash is coming and it may be terrific.
It is important to realize that none of the five people was a kook.
I believe Roger Babson was a kook. Are you familiar with “Gravity- Our Enemy No. 1?”

Keep New Boston weird!
by dorster
Sun Jan 12, 2020 8:27 pm
Forum: Investing - Theory, News & General
Topic: 2020 - Does the Olympic Games Influence the Stock Market?
Replies: 7
Views: 568

Re: 2020 - Does the Olympic Games Influence the Stock Market?

All I am asking is which International Stock market benchmark to follow. VTIAX/VXUS Vanguard Total International Stock Index Fund Here's the wiki page for the 3 fund portfolio at places other than Vanguard . I've also used EAFE developed market indexes when that was all that was available in a 401K...
by dorster
Fri Jan 03, 2020 7:56 pm
Forum: Personal Investments
Topic: How to figure out a hospital's bond rating--457B plans
Replies: 3
Views: 418

Re: How to figure out a hospital's bond rating--457B plans

You can usually type the hospital name (or if the hospital has a parent company, that name) along with S&P or Moody’s into google and often the latest rating agency action on their ratings will be one of the first few links. Thanks this was helpful! I had been searching "hospital name credit rating...
by dorster
Sun Dec 22, 2019 11:31 am
Forum: Personal Investments
Topic: How to figure out a hospital's bond rating--457B plans
Replies: 3
Views: 418

How to figure out a hospital's bond rating--457B plans

I'm helping a friend evaluate whether or not to use a non-governmental 457-B plan at the hospital she works at. In other posts where people are debating whether or not to contribute to non-governmental 457-B plans people mention checking the hospital's bond rating as a way of judging it's financial ...
by dorster
Thu Sep 12, 2019 8:55 pm
Forum: Investing - Theory, News & General
Topic: Health equity investment fee. High or low?
Replies: 60
Views: 4743

Re: Health equity investment fee. High or low?

My employer also uses Health Equity. Like the others, I didn't like the minimum cash balance and the 0.4% fee. My other accounts are with Fidelity, so I opened a retail HSA with them several months ago. Every 2-3 months, I'll transfer what's accumulated in the Health Equity account to Fidelity. I'v...
by dorster
Wed Aug 07, 2019 8:31 pm
Forum: Investing - Theory, News & General
Topic: First 20% of bonds in long-term Treasuries
Replies: 309
Views: 23986

Re: First 20% of bonds in long-term Treasuries

Vineviz, I realize this is a rule of thumb post. But with a 70% allocation (or 60% allocation) what is the rationale for not having all bonds match an investors (presumably) long term timeline? Along a similar line you've mentioned elsewhere that someone in decumulation (but who still had a longish ...
by dorster
Mon Aug 05, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: Calibrating your Confidence and Why It Matters for Investing
Replies: 9
Views: 920

Re: Calibrating your Confidence and Why It Matters for Investing

Calibration score Mean confidence: 72.20% Actual percent correct: 76.00% You want your mean confidence and actual score to be as close as possible. Mean confidence on correct answers: 76.32% Mean confidence on incorrect answers: 59.17% You want your mean confidence to be low for incorrect answers a...
by dorster
Tue Jul 30, 2019 12:49 pm
Forum: Investing - Theory, News & General
Topic: A low-cost 5 fund Boglehead portfolio
Replies: 116
Views: 20929

Re: A low-cost 5 fund Boglehead portfolio

32.00% Vanguard Total Stock Market ETF (VTI) 16.00% Vanguard S&P Small-Cap 600 Value ETF (VIOV) 16.00% Vanguard FTSE All-Wld ex-US SmCp ETF (VSS) 16.00% Vanguard FTSE Emerging Markets ETF (VWO) 20.00% Vanguard Long-Term Bond ETF (BLV) Vineviz, would you mind commenting on your choice of Vanguard Lo...
by dorster
Mon Jun 24, 2019 6:37 pm
Forum: Investing - Theory, News & General
Topic: Discrepancy between Matketwatch and Fidelity
Replies: 21
Views: 1468

Re: Discrepancy between Matketwatch and Fidelity

livesoft wrote:
Mon Jun 24, 2019 6:25 pm
Just a quibble: You charted the "Growth of" $10,000 and not the price, so your posted message should not mention the price, but the "growth of" which is the Total Return. By using the word "price" you may confuse the OP.
Roger that!
by dorster
Mon Jun 24, 2019 6:11 pm
Forum: Investing - Theory, News & General
Topic: Discrepancy between Matketwatch and Fidelity
Replies: 21
Views: 1468

Re: Discrepancy between Matketwatch and Fidelity

Chart VTIAX from 5/31/2018 to 6/23/2019. Here you go . Look at the start and end dollar amounts for 5/31/2018 to 5/31/2019. Then look at what the start and end amounts are for 6/23/2018 to 6/23/2019 to see the difference in growth between the two overlapping 1 year periods. #blessed [edited to make ...
by dorster
Mon Apr 29, 2019 9:38 am
Forum: Personal Investments
Topic: New to investing and the site
Replies: 5
Views: 515

Re: New to investing and the site

https://www.bogleheads.org/wiki/Main_Page The wiki guide is where to begin. It has some great information. For instance, you want to max out tax advantaged space before doing any taxable investing. The wiki is great. Here are some other books/resources that helped me. William Bernstein's If you can...
by dorster
Thu Apr 25, 2019 11:35 am
Forum: Investing - Theory, News & General
Topic: John C Bogle - Center for Financial Literacy - Link??
Replies: 5
Views: 631

Re: John C Bogle - Center for Financial Literacy - Link??

I don't understand your post. I think you have found the website.

https://boglecenter.net/

The links seem to work (at least the ones I tried).

Is your issue that you wish the website had more information?

Could you be more specific about what you're hoping to find?

:beer
by dorster
Wed Apr 10, 2019 11:34 am
Forum: Personal Investments
Topic: Leave out the bond fund of the 3 fund portfolio??
Replies: 40
Views: 3879

Re: LEAVE OUT THE BOND FUND of the 3 fund portfolio??

This seems fine but you may want to consider adding a bond fund otherwise you'll just be invested in stocks.
by dorster
Fri Mar 29, 2019 8:15 pm
Forum: Investing - Theory, News & General
Topic: Help on Women and Investing
Replies: 90
Views: 6325

Re: Help on Women and Investing

In case it's useful here is a blog ( https://dumpsterdogblog.com/ ) that promises "Hilarious. No BS. Finance Education for Young Women". I have not read all of it but I believe it is relatively bogleheadish regarding investment advice (it is not bogleheadish in tone, nor is it always safe for work)....
by dorster
Fri Mar 15, 2019 7:17 pm
Forum: Personal Consumer Issues
Topic: Chase Sapphire Preferred: Cancel/Downgrade Question
Replies: 13
Views: 1891

Re: Chase Sapphire Preferred: Cancel/Downgrade Question

I went through this within the last 30 days. They did not allow a product change to the "Freedom Family" of cards. You can only product change to the Chase Sapphire which is a no-annual fee card with not many benefits except for 2x points for dining. It was a quick call and all your Ultimate Rewards...
by dorster
Sun Mar 03, 2019 2:17 pm
Forum: Personal Investments
Topic: what is 'Rich, Broke or Dead?' calculator telling me?
Replies: 14
Views: 2676

Re: what is 'Rich, Broke or Dead?' calculator telling me?

What's the part you don't understand? Quick summary of how I would interpret the chart: if you invest $500,000 in bonds and withdraw 50,000/year (adjusted for inflation) for 9 years, there's roughly a 50% chance that in real terms when you go to withdraw the final $50,000 (for year 10) you will only...
by dorster
Thu Feb 21, 2019 10:01 am
Forum: Personal Investments
Topic: Help with Portfolio Check Up at 30
Replies: 15
Views: 1307

Re: Help with Portfolio Check Up at 30

1. Should I pause or decrease my 401k contributions to beef up my emergency fund in cash? Particularly since my mom may need significant help over the coming months and years. I can reduce costs to try to cash flow most of her expenses if she can continue to do part time or temp work at least. 2. A...
by dorster
Wed Feb 20, 2019 6:06 pm
Forum: Personal Investments
Topic: Getting into investing and what stocks to buy
Replies: 61
Views: 3860

Re: Getting into investing and what stocks to buy

I'll look into those. I definitely need to be more financial educated. Learned so much today just being on this forum so I really appreciate your responses. I honestly dont even know what a roth account is or a tax deferred account but i'll google that. A site that helped me out a lot when I was ge...
by dorster
Sun Dec 09, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]
Replies: 57
Views: 5301

Re: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]

Folks, It’s worse than I thought! After a fortuitous meeting in a Rosslyn parking garage, it’s been brought to my attention that it’s not only Taylor trying to bring JL Collins to the attention of those interested in “Investing Advice Inspired by Jack Bogle”. Jack Bogle himself may be trying to get ...
by dorster
Sun Dec 09, 2018 10:46 am
Forum: Investing - Theory, News & General
Topic: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]
Replies: 57
Views: 5301

Re: You already own international stocks with VTSMX etc

Agreed. Can the mods look into this? If it is the author or someone connected to them posting these repeated quotes about this random individual trying to score some new followers/ buyers it should be prevented. This is silly. JL Collins is a blogger whose audience is novice investors. He writes ab...
by dorster
Sat Nov 10, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 4025

Re: Roth Investment Theory

Dollar cost averaging is a neccisity for people who don't make a lot of money. I wish I made 100K+ per year like I feel most everyone on these boards do. If you make 60K, like myself, you can't just lump sum giant amounts of money into accounts without having to dollar cost average or spread it out...
by dorster
Sat Sep 15, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle
Replies: 69
Views: 11117

Re: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle

It doesn't seem to be on Podcast Addict which is what I use.

(Don't know too much about how these apps work or how podcasts become searchable within them).

Thanks for making this!