Search found 59 matches

by teramesher
Mon Mar 12, 2018 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Continue ESPP or Stop
Replies: 10
Views: 1134

Re: Continue ESPP or Stop

Furthermore, if you sell every quarter, then over time you have an average of $1500 invested. Find me a bank where you can buy a 3 month CD that'll let you invest $1500 and pay you $150 in just 3 months! I believe you'll find that requires something paying an APR of 21.6% 47% Can you ellaborate how...
by teramesher
Sat Mar 10, 2018 2:28 am
Forum: Investing - Help with Personal Investments
Topic: Continue ESPP or Stop
Replies: 10
Views: 1134

Re: Continue ESPP or Stop

Watty wrote:
Fri Mar 09, 2018 11:44 pm
...is still an almost risk free 20% return on the same $3,000 you would be reusing each quarter.
$600 return on $12,000 is still 5%, no?
by teramesher
Fri Mar 09, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Continue ESPP or Stop
Replies: 10
Views: 1134

Continue ESPP or Stop

I have been contributing roughly $1,000 every month towards my company's ESPP program. It's only 5% discount from the closing price at the end of each quarter. For years, I have been cumulating the ESPP shares, then selling batch of shares that become long term. Then the money is invested towards VT...
by teramesher
Sun Sep 25, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new house with cash? Please advise
Replies: 26
Views: 3931

Re: Buy a new house with cash? Please advise

Tal- wrote:
Would house #1 make a viable rental?
No. Unless it rents for something like $6000 month (literally), you should NOT keep this as a rental. And... it won't rent for $6000/month...
How did you come to $6000?
by teramesher
Sun Sep 25, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new house with cash? Please advise
Replies: 26
Views: 3931

Re: Buy a new house with cash? Please advise

We are in a situation where we are looking for a new house. We purchased our current home in 2012 and the value has gone up quite nicely. I am considering following options: A) Buy a new house and rent our current house. B) Sell our current house. Sell my vanguard ETFs investment. Buy the new house...
by teramesher
Sat Sep 24, 2016 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Buy a new house with cash? Please advise
Replies: 26
Views: 3931

Re: Buy a new house with cash? Please advise

itstoomuch,

I don't have IRA/Roths. gasp! Most of my to-be downpayment is in ETFs and stock options.

Just out of curiosity, where is your current house you are selling in seattle?
by teramesher
Fri Sep 23, 2016 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new house with cash? Please advise
Replies: 26
Views: 3931

Re: Buy a new house with cash? Please advise

I have a little bit of wrinkle in our plan. Talking to my loan agent this afternoon, I will have to make significant down payment on a new house in order to meet debt to income ratio qualification IF we want to keep our current house and buy the new house first. Obviously, we can sell our current ho...
by teramesher
Fri Sep 23, 2016 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Buy a new house with cash? Please advise
Replies: 26
Views: 3931

Re: Buy a new house with cash? Please advise

I should have provide more details of the numbers to make my question more meaningful. Let’s call our current house “House 1” and the new house we are purchasing “House 2” - We bought House 1 in 2012 for 600k. The list price will be around 850k - 950k if I were to sell it. The current loan balance i...
by teramesher
Fri Sep 23, 2016 12:18 am
Forum: Personal Finance (Not Investing)
Topic: Buy a new house with cash? Please advise
Replies: 26
Views: 3931

Buy a new house with cash? Please advise

We are in a situation where we are looking for a new house. We purchased our current home in 2012 and the value has gone up quite nicely. I am considering following options: A) Buy a new house and rent our current house. B) Sell our current house. Sell my vanguard ETFs investment. Buy the new house ...
by teramesher
Fri May 18, 2012 9:41 am
Forum: Investing - Theory, News & General
Topic: Don't time the market?
Replies: 48
Views: 4250

Re: Don't time the market?

I calculate that the loss would be only -1.82% . That is no big deal. How did you get -10% loss? :confused Even 100% in Vanguard Total World Stock ( VT ) only lost -6.05% in the past year. You are right. My overall portfolio is down about 3-4%. In my taxable account where I have: Vxus Veu(bought ad...
by teramesher
Fri May 18, 2012 12:46 am
Forum: Investing - Theory, News & General
Topic: Don't time the market?
Replies: 48
Views: 4250

Re: Don't time the market?

ddb wrote: Have you investigated whether your 401k plan permits in-service distributions?
Isn't age over 59 the qualification for it? In that case, I don't qualify.
by teramesher
Fri May 18, 2012 12:09 am
Forum: Investing - Theory, News & General
Topic: Don't time the market?
Replies: 48
Views: 4250

Re: Don't time the market?

rrosenkoetter wrote: Rebalance with your new contributions... Put 100% of all new contributions into the stock market in your 401k until you get back to your desired AA.
That wont work unless i buy internatioanl stocks in my 401k, which was the exact reason why my portfolio is spreaded between 401k and vanguard.
by teramesher
Thu May 17, 2012 6:14 pm
Forum: Investing - Theory, News & General
Topic: Don't time the market?
Replies: 48
Views: 4250

Re: Don't time the market?

Just after a market rise is a bad time to buy stocks. You were 75/25... maybe you're 65/35 right now... The correct move is to sell some bonds (they have gained, so you're selling higher than you bought), and buy some stocks (buying low). If this is in taxable accounts, you may want to Tax Loss Har...
by teramesher
Thu May 17, 2012 11:42 am
Forum: Investing - Theory, News & General
Topic: Don't time the market?
Replies: 48
Views: 4250

Re: Don't time the market?

Just to be clear, i am not losing any sleep over this, but would feel heck of lot better if it was doing better than -10%.

For those that says TLH, let's be honest. You would rather make money than get tax advantage losing money. It's a justfication to feel better about losing money.
by teramesher
Thu May 17, 2012 9:30 am
Forum: Investing - Theory, News & General
Topic: Don't time the market?
Replies: 48
Views: 4250

Don't time the market?

I know market timing has been discussed to death, but i want share mine. I started researchig vanguard etfs last year and took the money out of my savings account that was earning 1% yield and allocated as following: Stocks (domestic, internatinal): 75% Bond: 25% As of yesterday almost a year after,...
by teramesher
Wed Nov 16, 2011 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: vxus - put more money?
Replies: 4
Views: 586

Re: vxus - put more money?

Thanks tludwig23. I had expected to hear that and appreciate the reaffirm. And that's what I'd likely do when it hits my 5% band. However, I am interested in others' perspectives though.
by teramesher
Wed Nov 16, 2011 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: vxus - put more money?
Replies: 4
Views: 586

vxus - put more money?

I am down about -15% on my vxus (Total International Stock Index Fund). From the overal portfolio, this represents about -4%. I have about some money worth about 20% of what I originally put in for vxus. Should I put this to use and buy more shares of vxus deapite all this europe issues going on? Wh...
by teramesher
Fri Oct 07, 2011 11:07 am
Forum: Investing - Help with Personal Investments
Topic: Dividend Data
Replies: 7
Views: 804

Thank you all for the information.

So I have to ask (I am no expert)... why isn't the data there for VXUS?
by teramesher
Fri Oct 07, 2011 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Dividend Data
Replies: 7
Views: 804

I am looking for the information on MF or ETFs such as VINIX, VTI, VXUS, etc.
by teramesher
Fri Oct 07, 2011 9:38 am
Forum: Investing - Help with Personal Investments
Topic: Dividend Data
Replies: 7
Views: 804

Dividend Data

Is there a good place to find the dividend dates by entering dates?
I see the dividends at the end of sept for some of my funds but not all.
by teramesher
Sun Oct 02, 2011 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: How to maintain AA balance across two accounts
Replies: 6
Views: 888

my question wasn't entirely clear. In my 401K, I actually own: VINIX (Vanguard Institutional Index Fund Institutional Shares ) instead of VTI. ETFs are not available. So my 401k consists of mutual funds and my Vanguard brokerage account is all ETFs. sorry about the confusion. My 401k does offer Fide...
by teramesher
Sun Oct 02, 2011 1:33 am
Forum: Investing - Help with Personal Investments
Topic: How to maintain AA balance across two accounts
Replies: 6
Views: 888

How to maintain AA balance across two accounts

I have the following allocation: 401k: VTI DODIX Vanguard: VXUS VXF It has come very close to hitting the 5% rebalancing band with VXUS going down more relative to others. I currently contribute 10% of my paycheck to 401k, but none towards Vanguard. The money saved outside of that is going toward th...
by teramesher
Mon Aug 08, 2011 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Buy more?
Replies: 7
Views: 1621

Re: Buy more?

dbr wrote: Raiding emergency cash to buy risky investments is nuts.
If you are qualifying vti and vxus as risky, what are sound investments?
by teramesher
Mon Aug 08, 2011 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Buy more?
Replies: 7
Views: 1621

HardKnocker wrote:Rash decisions are often unwise.
What would you suggest? do nothing and stay the course?
by teramesher
Mon Aug 08, 2011 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Buy more?
Replies: 7
Views: 1621

Buy more?

I am recent bogleheads convert. Started working towards my target AA in July with 50% of my cash and the remaining 50% was fully allocated in early Aug (just because I had to wait to avoid short term trade in my 401k). Well, the target AA was reached on Tuesday of the week where DOW went down 500. I...
by teramesher
Sun Jul 24, 2011 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing across 401k and taxable accounts
Replies: 2
Views: 604

Rebalancing across 401k and taxable accounts

I've search for topics on rebalancing across 401k and taxable, but didn't quite find what I was looking for. I would appreciate your input on my scenario below. For those that maintain single portfolio across your 401k and taxable account, how do you maintain the % allocation when one of your fund t...
by teramesher
Sat Jul 02, 2011 5:58 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

I did not know that. I have long ways to learn. I recently rebalanced my 401k: 25% FID DIVERSIFD INTL 25% DODGE & COX INCOME 20% VANG FTSE SOCIAL IDX 20% VANGUARD INST INDEX 10% MSIF SM CO GRTH P I picked the Vanguard ones because of the lower ER. And because this rebalance was recently done, there ...
by teramesher
Sat Jul 02, 2011 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

Re: Monday around the corner... cold feet

YDNAL wrote: 401K
20% Dodge and Cox Income (DODIX)
https://www.dodgeandcox.com/incomefund.asp
40% Vanguard Institutional Index Fund Institutional Shares (VINIX)
http://quote.morningstar.com/fund/f.aspx?t=VINIX
What's your reasoning behind picking Van Inst Index Fund over other 3 Large Cap?
by teramesher
Sat Jul 02, 2011 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

Re: Monday around the corner... cold feet

YDNAL, Thanks for your input as always. My 401k investment choices are: Large Cap Growth: American Funds Growth Fund of America Class R4 Vanguard FTSE Social Index Inv CL Large Cap Blend: American Funds Fundamental Investors Fund Class R4 Vanguard Institutional Index Fund Institutional Shares Small ...
by teramesher
Fri Jul 01, 2011 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

pkcrafter wrote:It is your money and part of your total portfolio.

Paul
yes it's mine. It was just easier for me mentally if that makes sense.
by teramesher
Fri Jul 01, 2011 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

Re: Monday around the corner... cold feet

New to ETF and have been doing some researching. I am in my mid 30's and want to be somewhat safe. I plan on distribution $100,000 across the following ETFs. Any comments/help appreciated. teramesher's first post in the Forum Update: I finally bought the ETFs today. Decided to put in 50% of my cash...
by teramesher
Fri Jul 01, 2011 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

Update: I finally bought the ETFs today. So that's why the market has been going up every day this week! Usually, it goes up because someone has money in limbo rolling over from a 401K to an IRA. Now that you bought, it should go back down. :lol: hey now don't jinx it. I am superstitiuos
by teramesher
Fri Jul 01, 2011 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

You could also add a commodity fund, precious metals fund, gold or a gold fund. With that accomplished, you would not be so far from the original permanent portfolio, of 25% cash, 25% stocks, 25% bonds, 25% gold. My point is that you could do a hybrid. It seems like you are wavering between one or ...
by teramesher
Fri Jul 01, 2011 8:13 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

sendai wrote:He went 45/5/50 (stocks/bonds/cash).
yes, for now. My other half will be allocated later, maybe in a few weeks or month.
by teramesher
Fri Jul 01, 2011 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

pkcrafter wrote:You went in at 90/10??


Paul
on this account, yes. I have 25% allocation of bond in my 401k. That's my justifiation for lower % on bond.
by teramesher
Fri Jul 01, 2011 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

Update:

I finally bought the ETFs today. Decided to put in 50% of my cash into work and put in the other half later down the road. Here is the breakdown:
VTI 40%
VXUS 30%
VB 15%
BND 10%
vnq 5%

Thank you for all your input on this forum. I'll continue to be regular here.
by teramesher
Tue Jun 28, 2011 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

Well, here is what I did tonight. I looked at my 401k and its allocation, which I have to admit I haven't really paid attention to for last 2-3 years. I rebalanced the asset as follows: 75% equities (40% large growth/blend, 10% small growth, 25% international) 25% dodge and cox income This rebalance...
by teramesher
Tue Jun 28, 2011 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

Ted Valentine wrote:"The greatest enemy of a good plan is the dream of a perfect plan."


PS - The market is closed this Monday for Independence Day.
I like that quote a lot. So true.
Btw, I meant Monday the 27th.
by teramesher
Mon Jun 27, 2011 9:06 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

Re: Monday around the corner... cold feet

Having the money in MM raises questions about your overall plan. Only YOU can make that determination. Perhaps 80/20 is not the proper AA if you are having "cold feet." the money is in MM only because I just transferred that money from my savings account, which I got tired of getting 1% interest re...
by teramesher
Mon Jun 27, 2011 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

natureexplorer wrote:what is the tax cost of VNQ in your tax bracket?
Honestly, I am not sure what you're asking. Where are you leading with this?
by teramesher
Mon Jun 27, 2011 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

natureexplorer wrote:What is your tax bracket?
25
by teramesher
Mon Jun 27, 2011 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

Re: Monday around the corner... cold feet

When you start-out as a young person (as 80/20 Stock/Bond above implies), the long window to retirement makes the current portfolio insignificant in the grand scheme of things. In such case, it doesn't matter what you did today. If your portfolio is significant, where is the money today? In such ca...
by teramesher
Mon Jun 27, 2011 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

Based on this post, I would venture that your current portfolio is too complicated. I would also suggest using mutual funds, in case you want to switch later, it will save you bid-ask spreads. Is this in a tax-advantaged account? The ETFs will be in taxable Vanguard and not concerned with bid ask s...
by teramesher
Mon Jun 27, 2011 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

knowing my personality, it takes forever to buy anything for me. Not because I don't have the money, but I have the need to find the "best" deal out. DSLR, TV, Laptop, etc. you name it. I also know that it would be really difficult to feel 100% comfortable making the investment. At some point, I jus...
by teramesher
Sun Jun 26, 2011 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

What's alarming here is you are considering changing from your 80/20 AA to 25/75. Paul I am not necessarily wanting to changing my AA drastically. It's just that HBPP is another option that people rave about on that particular forum. It just feels like analysis paralysis at this point. Just wonderi...
by teramesher
Sun Jun 26, 2011 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: Monday around the corner... cold feet
Replies: 57
Views: 8184

Monday around the corner... cold feet

I have been researching and plan to buy the ETFs as follows come Monday. VTI 20% VXUS 20% SDY 20% BND 20% VNQ 5% XLK 5% Over the weekend, I ran into another forum that focuses on Harry Browne Permanent Portfolio and it made me doubt my plan. On a hindsight, I wish I didn't find the site. Now, I feel...
by teramesher
Wed Jun 15, 2011 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: How to deploy cash to ETFs
Replies: 13
Views: 1584

Scott S wrote: Equal amounts of Total US Stock and that dividend fund, hmm.
you are thinking too much overlap?
by teramesher
Wed Jun 15, 2011 12:46 am
Forum: Investing - Help with Personal Investments
Topic: How to deploy cash to ETFs
Replies: 13
Views: 1584

exeunt wrote:bank account yielding 1.5%.
which one is that?
by teramesher
Tue Jun 14, 2011 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: How to deploy cash to ETFs
Replies: 13
Views: 1584

I would consider dollar cost averaging in. your reasoning, please? teramesher, in reality, there's little difference between easing in and lump-summing. It probably won't affect your returns very much. But easing in also gives you too much wiggle room to market time, which likely won't help your re...
by teramesher
Tue Jun 14, 2011 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: How to deploy cash to ETFs
Replies: 13
Views: 1584

exeunt wrote:Buy at once, except for VXUS, which is rather small and possibly not very liquid. Use limit orders to gradually buy into VXUS throughout the day, preferably during peak trading hours.
Thanks - what your reasoning behind for picking option 1?