Search found 193 matches

by bigROI
Fri Nov 10, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Do you keep anything in your portfolio as a monument to your bad decisions?
Replies: 67
Views: 4219

Re: Do you keep anything in your portfolio as a monument to your bad decisions?

Iraqi Dinar, poor country is still in shambles after the 1 trillion + the US put into it. Some gold and silver.... Not really bad since it can be an Apocalypse hedge Had some booze but I consumed that hedge :-) Never hurts to have common ammo or firearms for hard currency in case of total collapse l...
by bigROI
Fri Oct 27, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 5557

Re: Index investing is boring

There is a point where you can be active ( in some regard to timing) if you contribute to a Roth IRA. Just wait till the point in the calendar year when you think equities and or securities are most distressed and buy in a little or a lot at those times. Track the investment and see how well you did...
by bigROI
Wed Oct 11, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: 2M savings investment help
Replies: 45
Views: 8313

Re: 2M savings investment help

I would not do any less risk than an 50/50 equity/security fund. Make sure to get keep all your equities on the taxable side and get as many securities into the retirement funds unless muni bonds. Keep maybe 100-200k in a ally 1.5% CD for quick access cash based on need. Good problem to have at your...
by bigROI
Thu Sep 21, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Ugh
Replies: 26
Views: 2171

Re: Bonds - Ugh

Its when something looks bleak is when it has great potential. Don't look in the past year /5 /10 ect... put them in at a comfortable % for your age usually topping out at 50-70% when you retire. Stocks could crash to 40 cents or less on the dollar in a few months any day/month/year now so there is ...
by bigROI
Thu Sep 14, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Investing parents nest egg -- any final thoughts?
Replies: 37
Views: 2815

Re: Investing parents nest egg -- any final thoughts?

I would carve it out: 50% total stock 15% international 25% total bond 10% total international bond Try to start with 4% and see how far they can run with it for the year. Better to keep as much as you can working for them while it can be earning. You might want to run this simulation below and show...
by bigROI
Fri Sep 08, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: 100k taxable camp site
Replies: 10
Views: 1413

Re: 100k taxable camp site

I appreciate all the wisdom and input. I like the tax managed suggestions but it looks too leveraged in muni bonds which they are adverse to. i also appreciate the suggestion of ROTH conversion while in the 15% bracket with the extra wiggle room. I am going to keep suggesting they keep this in equit...
by bigROI
Thu Sep 07, 2017 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: 100k taxable camp site
Replies: 10
Views: 1413

Re: 100k taxable camp site

I suggested that re-balance approach for the best tax efficiency however they want to keep this amount segregated and accountable in and of itself. I think if its used for a family purchase(s) down the line they know how much it has earned and how much has been used so they can keep it segregated fr...
by bigROI
Thu Sep 07, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: 100k taxable camp site
Replies: 10
Views: 1413

100k taxable camp site

A family friend around 40 in the 15% tax bracket have 100k (after tax) worth of proceeds for a sale. They are looking to camp this money (10-20yrs?)and are considering some of Vanguards balance funds vs. a slice and dice to keep it simple and contained. From what they described they are set with fun...
by bigROI
Wed Aug 30, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: First time with a 403b
Replies: 8
Views: 475

Re: First time with a 403b

Dont roll into Creff - use Vanguard for a Roth if/when you do one For choices the equity index and Traditional are about as good as you get from them. Try to appeal to your employer to add Vanguard institutional index to the bucket of choices. Its important to note that their funds are a hybrid acti...
by bigROI
Thu Aug 17, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Which Audible book for Mom to convince her to get away from Raymond James
Replies: 19
Views: 1996

Re: Which Audible book for Mom to convince her to get away from Raymond James

Compute the sum of the annual fees with the 1.25% adviser and the .3% VG service, compound this over 10 or 15 years to show how much she is throwing away. Keep the argument simple and focused, get Vanguard on the phone to discuss the service so you have a 3rd party making the case. Funny as family m...
by bigROI
Tue Jul 18, 2017 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need investing advice
Replies: 23
Views: 2105

Re: Need investing advice

With 6 kids you will need a fair amount for expenses. I would not be in a rush to invest a lot of the money pending the outcome of the job search. Passive income on 280k will be peanuts and don't plan for marriage expenses when you are without a job and almost 50. Kids getting married can figure out...
by bigROI
Thu Jun 29, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Do you buy phone outright or pay it off monthly...
Replies: 62
Views: 4014

Re: Do you buy phone outright or pay it off monthly...

new $150-$200 phone 1 or 2 gen behind is just fine these days. have a $30-$40 burner around in case you have issues and need warrany or need to shop for another. $700 for a phone with marginal improvements is laughable.
by bigROI
Wed Jun 28, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: New to Investing. $25,000 to Invest.
Replies: 20
Views: 2160

Re: New to Investing. $25,000 to Invest.

I would keep at least 15-20k highly available, perhaps the Ally CD or the like and max out the 401k till you use up the other 5-10k then dial it back and keep the course with whatever you prefer. An 30 80/20 seems pretty good. I would keep it simple with 60% VINIX 20 % VTRIX and maybe a split 10%/10...
by bigROI
Wed Jun 28, 2017 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Financing Engagement Ring/ Credit Score Potential Consequences
Replies: 39
Views: 2548

Re: Financing Engagement Ring/ Credit Score Potential Consequences

Going to give you a tip on diamonds, anything you find in the store will be 100-200% more than you can pay for one online from a reputable dealer with a return policy. I got a stone that had a rappaort for 8-10k for $1500 and put it in a $500 setting. For 2500 you could probably find a 1ct SI2 or be...
by bigROI
Tue Jun 27, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor fee negotiations
Replies: 27
Views: 2699

Re: Realtor fee negotiations

If Criag, Zillow/Trula do no good consider a flat fee agent to get it in for a couple hundred bucks and you can pay whatever buyer broker commission you want.
by bigROI
Tue Jun 27, 2017 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Can we/should we afford a $2M house?
Replies: 96
Views: 15286

Re: Can we/should we afford a $2M house?

Net worth of 900k considering a 2m house? I would say no, sure you have good income to afford it and 25% down but you are putting an enormous chunk into one asset on one region. Can you get it partially unfinished and complete that later when you have cash to pay it outright? Perhaps that might be a...
by bigROI
Tue Jun 27, 2017 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Need help to sell family farm.
Replies: 19
Views: 2061

Re: Problems with sale of property. Please help.

I would try to avoid an agent for this sort of sale. If they are trying to get 6% you will toss 60k to them. If the suggestion of contact to the top 10-15 subsidy receivers in the region yields no offers or bids then maybe a flat fee listing might be something more economical and spend some on the p...
by bigROI
Thu Jun 22, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Trying to Help a friend w/ 401K Fund choice
Replies: 4
Views: 390

Re: Trying to Help a friend w/ 401K Fund choice

Can you do an in service distribution since they are changing? If not then my allocation would be: 20 % - Principal Global Large Cap S&P 500 Index Expense Gross - 0.18% 7% - Principle Global Investors Midcap S&P 400 Expense Gross - 0.18% 3 % - Principle Global Investors Smallcap S&P 600 Expense Gros...
by bigROI
Thu Jun 22, 2017 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 21165

Re: Siblings in disagreement over mom's house.

Something that the two sentimental siblings may benefit from is knowing a new family is going to make good memories in the home too vs letting it sit to rot. Not sure what the options are to sell the equity for cash but it could be used as leverage in mediation that you will do so and a new tenant i...
by bigROI
Tue Jul 29, 2014 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me fight for index funds!
Replies: 37
Views: 3525

Re: Please help me fight for index funds!

Where is the fight? Grab the prospectus of the Vanguard Total Market fund Institution class (you are getting a great ER at .02%, I only pay .04 ) then compare it against the standard of the large cap blended market - its right where it should be. Plain bland and simple Come armed with this: Anyone c...
by bigROI
Thu Apr 25, 2013 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ a $55M portfolio?
Replies: 51
Views: 8136

Re: Help w/ a $55M portfolio?

If I had this level of funds I would probably use 2 or 3 passive approaches for conservative growth and wealth mait. 1. Standard age in bonds (80TBM 20TIPS) not to exceed 70% and the rest split between domestic and international equities with maybe a 5% position in RE ($15mil) 2. CD ladder for 45% s...
by bigROI
Thu Apr 25, 2013 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Investment suggestions [On behalf of child (adult)]
Replies: 5
Views: 492

Re: Investment suggestions [On behalf of child (adult)]

Wellington perhaps m has tax exposure though. Perhaps a separate buy in using your name and then use the money to over fund your retirement/Roth to cover it. You could explain your method with your MOM or MIL so they know the reason behind it. Ideally a Roth in their name would be best and you have ...
by bigROI
Tue Apr 23, 2013 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Inheriting money, don't want to [mess] anything up
Replies: 48
Views: 6770

Re: Inheriting money, don't want to [mess] anything up

I would move to Washington before you take distribution and commute to work, you will save 20k of income tax this way on each distribution if the account is from pretaxed funds Otherwise live like you have lived, invest in 25% bonds 75% equity portfolio if you like a little more risk and max out yo...
by bigROI
Wed Oct 19, 2011 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Financial Advisors going door to door
Replies: 7
Views: 1622

Re: Financial Advisors going door to door

Had my neighbor do this. I said sure I will look at what you have then called him on all front loaded Templeton crap and said I am not willing to toss 5% in the garbage can when I can get the same fund that will track the index I want without fees. He then wanted to sell me on some Muni Bonds, I pas...
by bigROI
Fri Oct 14, 2011 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Better Alternatives to Low Yield Savings/MMA accounts?
Replies: 6
Views: 1091

I bonds or Rainbow savings account from Willshire state bank.
by bigROI
Thu Oct 13, 2011 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Maybe Meredith was correct? [Harrisburg PA bankruptcy]
Replies: 21
Views: 3001

I don't think it is so much timing as it is true credit quality representation. When I think AAA bond I think the only chance I am not getting paid is if we all go under or the establishment is dissolved. However with municipalities that cannot happen. I think people should look heavily on the balan...
by bigROI
Fri Oct 07, 2011 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: EF growing too big
Replies: 15
Views: 2243

10k is a rainy day fund, no emergency fund. 6 months of your pay is what you should have regardless of how easy or fast you think you can get a job. If you are put some out as investment consider a Roth or I bond. You can always cash out a roth and not pay tax on principal.
by bigROI
Fri Oct 07, 2011 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Question - Where should I put money for my 4 month old?
Replies: 14
Views: 1038

Ibond is good
by bigROI
Thu Oct 06, 2011 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Mortgage Lender Shenanigans -- Who Are the Victims?
Replies: 19
Views: 2140

I AM! - I am an adult who can read a contract and research before I sign my name. I have not ever missed a mortgage payment nor did I purchase a house that I cannot afford, regardless of how much I qualified for. I didn't use my home equity as a piggy bank. My reward? Nothing, I just keep getting to...
by bigROI
Tue Sep 27, 2011 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Cash Back Credit Cards
Replies: 53
Views: 7244

Anyone know with the Fidelity card if you can just bank the points then deposit the next year? My Roth is maxed for me and my wife and since the 2% FIA rewards card is going away this is my plan B but I cannot do a retirement account with them since I have one at work and already the Roth with Vangu...
by bigROI
Tue Sep 27, 2011 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Grad school sister- what to do w $5K and 5 year time horizon
Replies: 13
Views: 1226

Make the gains tax-free by putting it in a 529 plan if she is going to use the money for education. 529 plans have fixed income options that are suitable. Think about I-bonds as well. Also be aware that "financial aid" is sometimes "loans" and not "grants", so using th...
by bigROI
Mon Sep 26, 2011 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Over to the Permament Portfolio
Replies: 85
Views: 7153

Johm221122 wrote:You want to be 25% gold(just off all time high) 25% long term bonds (paying 4%) 25% cash(.5)?? Does that seem good!


Seems not good but rather a great way to lose your shirt. As much as the current climate bites the permanent portfolio does not seems sound to me.
by bigROI
Thu Sep 22, 2011 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Just want to thank the FED for burning us again
Replies: 2
Views: 996

Just want to thank the FED for burning us again

I don't know who else is with me but I wish the FED and govt would quit playing games with the economy. Left to its own devices I think we are positioned to grow and prosper in the long term but the constant intervention and programs that are getting spawned seems to be selective positioning that li...
by bigROI
Mon Sep 19, 2011 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Simple 3fund portfolio, or complicated value-tilt portfolio?
Replies: 41
Views: 7257

Like said, the general sentiment 80/20 is not good to see at this age unless you had truly conditioned her to be prepared to lose 60%+ of everything she invests without flinching. I know it may be exclaimed now that she does not care but I think if the reality sunk in even at a 40% loss she would no...
by bigROI
Tue Sep 13, 2011 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Are Bond funds too high?
Replies: 34
Views: 4895

YES!! Bonds at 30 year high, and stocks at 30 year low. I sold all my bonds and replaced them with a 10 year fixed annuity at 4.5% guaranteed for 10 years. Good Luck to you. What happens if the annuity provider goes belly up? All eggs in one basket leads to sorrow and dismay. I have bonds as a part...
by bigROI
Fri Sep 09, 2011 11:12 am
Forum: Investing - Help with Personal Investments
Topic: buying car from rental cr companies
Replies: 8
Views: 1326

Hi Joe! I would not buy a car from a rental agency. They do not maintain their fleets because it is money out of their pockets. In addition, they do not want to take the cars out of service because they loose revenue while the car is being maintained. If you price what was a rental or fleet vehicle...
by bigROI
Wed Sep 07, 2011 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Advice needed on how much to put down on house
Replies: 25
Views: 2848

hsv_climber: This is not bible study. For all you know the presumed husband and father in law are on good terms. If my wife asked her father about some financial stuff I would show respect and look at it and explain why or why not to follow the suggestion. A woman is not the property of her husband ...
by bigROI
Wed Sep 07, 2011 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Great Article on Harry Brown's Permament Portfolio
Replies: 59
Views: 8677

Re: Great Article on Harry Brown's Permament Portfolio

http://personalmba.com/permanent-portfolio/ Focus: Do you guys use this strategy? Why or why not? 25% VTI - ok not terrible 25% long bonds? No I will stick with BND any day 25% Gold - really how well would that have worked if you bought in say 79? The run up on gold looks worse then the housing bub...
by bigROI
Tue Sep 06, 2011 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Advice needed on how much to put down on house
Replies: 25
Views: 2848

Some loans actually give a better rate at the sweet spot of 20% down as I have seen. You will have to tweak the down payment rate and see if that is the case. You can always pay it off sooner - just make sure there is no prepayment penalty or a very short duration if there is one. I also like a home...
by bigROI
Fri Sep 02, 2011 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Windstream (TV, internet, phone): $99.99 for life. Really?
Replies: 21
Views: 3923

My internet is $40 a month for 10mbps, You can get dish in the mid 40s or get netflix for $9 a month and I paid $180 ONCE to have Ooma installed for my home phone and back feed all my lines. Works great and I could be getting most of all I need for $50 a month + $180 one time cost.
by bigROI
Thu Sep 01, 2011 11:19 am
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return or Inter. Treasury - Limited 401K Choices
Replies: 17
Views: 2568

50/50 - Wife has WF govt securities and PIMCO, I do that blend and feel good with it.
by bigROI
Thu Sep 01, 2011 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Recently separated, need advice on investing 400k windfall.
Replies: 18
Views: 3638

YDNAL: I think I want to keep the money in a low risk investment because I may need to tap into the money. I'm thinking of putting the money into CD's. Allan Roth had an article Just recently about a 10 year CD with only six months interest penalty yielding 3.25%. That could be a pretty attractive ...
by bigROI
Wed Aug 31, 2011 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Recently separated, need advice on investing 400k windfall.
Replies: 18
Views: 3638

Some thoughts 25k in ibonds (5k for each child and for you - you can get 5k more for yourself electronically) 15k setup Roths for each child and fund to the full extent. The will have to earn at least 5k to put that much in per year but it will teach them to hold a job. If you don't have a Roth set ...
by bigROI
Fri Aug 26, 2011 10:42 am
Forum: Investing - Help with Personal Investments
Topic: bonds which ones ?
Replies: 23
Views: 3420

2:1 ratio

TBM:TIPS works for me
by bigROI
Thu Aug 25, 2011 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why Does David Swensen Recommend 15% Real Estate?
Replies: 46
Views: 10066

I would ask how much of the market segment is RE? 5% at most for me.
by bigROI
Thu Aug 25, 2011 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads have a Plan B?
Replies: 41
Views: 6160

Plan B is in play for my life. It transcends investing and is a disaster hedge. Basically food and water for at least a couple of weeks, a small arsenal for protection, first aid kit, some gold and silver + tangible goods to barter(booze, bullets ect...). This is really not a survival forum so I can...
by bigROI
Mon Aug 22, 2011 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: What should I look for in a stock?
Replies: 49
Views: 4388

If I had the assets to play a percent or two I would go after sectors. This just blends a lot of business with something I think we have to have regardless of economic state. So say you had a million in Vanguard and had a pretty good asset allocation. To have a little fun, and I mean a little fun. 1...
by bigROI
Fri Aug 12, 2011 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: buying specific property using pre tax IRA $ 4 personal use
Replies: 6
Views: 893

To clarify this is not a primary residence it is a second lake home that we would hope would appreciate and be considered an investment and I don't think it would be rented out unless we had to. The reason I was thinking of this is that if we just did a mass pull from the existing IRA it would jump...
by bigROI
Fri Aug 12, 2011 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: buying specific property using pre tax IRA $ 4 personal use
Replies: 6
Views: 893

To clarify this is not a primary residence it is a second lake home that we would hope would appreciate and be considered an investment and I don't think it would be rented out unless we had to. The reason I was thinking of this is that if we just did a mass pull from the existing IRA it would jump ...
by bigROI
Fri Aug 12, 2011 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: buying specific property using pre tax IRA $ 4 personal use
Replies: 6
Views: 893

buying specific property using pre tax IRA $ 4 personal use

Hello, I don't think Vanguard allows for direct property investment under their IRA services but I think you can roll over to a self directed IRA to buy property. Has anyone performed or heard of buying a specific property under their IRA plan? I know when it transfers or was sold taxes would be due...