Search found 50 matches

by drs85
Thu Dec 05, 2013 9:49 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratio Net vs. Gross
Replies: 2
Views: 1205

Expense Ratio Net vs. Gross

I've searched the wiki and google, and I'm having a difficult time understanding the difference between Net and Gross ERs. For instance, my 403b through Fidelity posts two numbers, that are different, for the fund FSITX: Exp Ratio (Gross): 0.17% Exp Ratio (Net): 0.10% As far as I understand, the Gro...
by drs85
Sun Nov 03, 2013 4:48 pm
Forum: Personal Consumer Issues
Topic: Brightspot OR $30/unlimited web/text/100 min. from T-Mobile.
Replies: 26
Views: 4964

Re: Target's Brightspot from T-Mobile.

You can get a T-Mobile Micro SIM Activation Kit (Nano or Regular are also available) for free right now from their website. Free shipping is also available. They do ask you for your credit card at checkout, but they do not charge you anything. I just bought one for my new Nexus 5:

http://prepaid-phones.t-mobile.com/prep ... l-Contract
by drs85
Sun Jul 21, 2013 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Salary Raise - What to do?
Replies: 13
Views: 2574

Salary Raise - What to do?

So, I just got a raise (yay!). It's nothing big (2%), and I'm planning on investing all of it into my retirement account. However, I'm curious what the "good practice" is from a Boglehead perspective on saving a portion of a raise. For instance, if I am currently aiming to save 25% of my i...
by drs85
Thu Apr 11, 2013 7:41 am
Forum: Investing - Help with Personal Investments
Topic: HSA or 403b/457b
Replies: 2
Views: 713

Re: HSA or 403b/457b

Ah! I didn't consider the tax free benefit of medical expenses on retirement. That's a good point, and I will continue maxing out my HSA. Thank you.
by drs85
Wed Apr 10, 2013 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: HSA or 403b/457b
Replies: 2
Views: 713

HSA or 403b/457b

I am 27 years old. My employer contributes $650/year to my HSA (this contribution may not be in effect forever). Currently I am investing $2600/year on top of that of my own money. My current HSA balance is $7100, which is in a high interest FDIC insured checking account at 3.21%. I am currently gai...
by drs85
Thu Mar 14, 2013 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Hot water heater question
Replies: 34
Views: 3131

Re: Hot water heater question

I just had a new HVAC system installed, and while they did it they put in a higher efficiency water heater. The cost of just the water heater, and installation may have been lower due to the other things, was $675.
by drs85
Tue Mar 05, 2013 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Current Fidelity Roth IRA, moving to?
Replies: 9
Views: 1798

Re: Current Fidelity Roth IRA, moving to?

I used to have my Roth IRA through Fidelity, and you can most definitely model the 3-fund portfolio, without trade expenses, with Fidelity's Spartan funds. Both Vanguard and Fidelity have comparable expense ratios with these types of funds, and both are indexed: TSM, 0.10%: m International, 0.20%: m...
by drs85
Fri Mar 01, 2013 6:47 pm
Forum: Personal Consumer Issues
Topic: Titanic II, would you take a cruise?
Replies: 30
Views: 2968

Re: Titanic II, would you take a cruise?

Cruises? I'll never do in my lifetime. Not that I ever get seasick or anything, because I don't, but I'd rather be on land exploring and seeing cultures, countries, cities, attractions and be relaxing on a beach or hiking rather than being at sea and seeing nothing for days, or spending 2-3 hours i...
by drs85
Wed Feb 27, 2013 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: Timing on Initial Investment
Replies: 15
Views: 1020

Re: Timing on Initial Investment

Hello Joey, and welcome to the forum. What you're referring to is called market timing, which is usually against boglehead's views as it is a dangerous and slippery slope. If you would have bought into TSM on January 1st of this year, you would have been up 5.5% today. Yesterday, however, you would ...
by drs85
Thu Feb 21, 2013 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX VS. VTSMX [Investor vs. Admiral, Portfolio Help]
Replies: 10
Views: 3828

Re: VTSAX VS. VTSMX [Investor vs. Admiral, Portfolio Help]

Hello Maggiemae! You're correct in that the biggest difference is the Expense Ratio, and the other thing is simply the minimum investment. In the case of Total Stock Market, it's $10K to get the lower Expense Ratio. Other than that it's the same fund, so if you have at least the minimum of $10K, and...
by drs85
Sun Feb 17, 2013 2:04 pm
Forum: Investing - Help with Personal Investments
Topic: Is there an Adrian's Rule for Bond Funds ?
Replies: 49
Views: 2527

Re: Is there an Adrian's Rule for Bond Funds ?

Just as a disclaimer, I was just as confused about potential bond loss as Bustoff is, so I started doing some digging recently and this is what I've justified. It's completely rough numbers, and I could be wrong (and I'd love for correction if it exists). I find as though recently with talks of a &q...
by drs85
Wed Feb 13, 2013 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Investing/finance help for newly married 25y/o
Replies: 4
Views: 641

Re: Investing/finance help for newly married 25y/o

1. I agree with BoulderBoy in that you should always try for the maximum contribution towards your retirement (IRA). Try to put $5500/year into that from both of you. Does either of your work offer a 401k/403b and matching? Contribute up to the match first before the IRA, as that's "free" ...
by drs85
Thu Feb 07, 2013 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: How to start investing on minimum wage/part time job?
Replies: 28
Views: 2577

Re: How to start investing on minimum wage/part time job?

Hello mike, welcome to the board! Here's a good start in the wiki with some information about books to read if you're interested in learning more. Your local library may have quite a few of them if you do not want (or cant) purchase them: m I'm currently 27, and from the age of 16 I started saving f...
by drs85
Wed Feb 06, 2013 4:45 pm
Forum: Investing - Theory, News & General
Topic: Finally arrived: The Vanguard Total International Bond Fund
Replies: 187
Views: 34902

Re: Finally arrived: The Vanguard Total International Bond F

Out of pure curiosity, would there be a tax-advantage in a taxable account with holding this fund there similar to holding an international index fund vs. domestic index fund? Or is it once a bond always a bond with taxes?
by drs85
Mon Jan 21, 2013 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Term Life Insurance?
Replies: 9
Views: 938

Re: Do I need Term Life Insurance?

Thank you everyone for your responses! I suppose the answer was what I was assuming: we don't need it. A while back (before I started even researching the way of Jack Bogle) a financial advisor said we "needed" life insurance. I was just trying to ration if we actually needed it, or he nee...
by drs85
Mon Jan 21, 2013 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Term Life Insurance?
Replies: 9
Views: 938

Do I need Term Life Insurance?

Hello All - I'm sure this topic has been beaten to death, but I'd like some opinions on our own personal circumstances rather we should be getting Term Life Insurance. * I am a 27 year old male and my fiancee is 23. We do not have any dependents. * The only debt we have is a house mortgage which has...
by drs85
Thu Jul 19, 2012 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Simple 401k employer match question
Replies: 7
Views: 1282

Re: Simple 401k employer match question

EDIT: also a follow-up: How often can you change your contribution? Or does this also depend on the employer? (i.e., if I'm contributing $1500 in Nov and Dec, would I likely be able to scale that back down for Jan?) This will all depend on your employer. My employer allows for updates to contributi...
by drs85
Thu Jun 14, 2012 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's 401k Allocation
Replies: 12
Views: 1580

Re: Girlfriend's 401k Allocation

After reading all of the responses (thank you everyone) it sounds as though it wouldn't necessarily be absurd to do the following until she either has enough in her Roth IRA to support both an International/500 index fund, and/or a 500 fund is introduced to her 401k lineup: 23%: PIMCO Total Return A...
by drs85
Thu Jun 14, 2012 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's 401k Allocation
Replies: 12
Views: 1580

Re: Girlfriend's 401k Allocation

A couple of things come to mind. If there is a mid cap index and a small cap index, it is possible there is supposed to be a large cap index. Maybe it just fell off the list or maybe it is an oversight and can be added. This would make the entire plan much more attractive. Growth Fund of America is...
by drs85
Thu Jun 14, 2012 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Girlfriend's 401k Allocation
Replies: 12
Views: 1580

Girlfriend's 401k Allocation

Hello all - My girlfriend (23 years old) just got access to her company's 401k plan through John Hancock. Personally I find the ERs to be quite high, but from what others have said about JH in the past on this forum they're not the worst. Her company matches 50% of up to 4% (so she contributes 4% an...
by drs85
Fri May 11, 2012 10:36 am
Forum: Personal Finance (Not Investing)
Topic: buy from amazon or only fulfilled by amazon?
Replies: 14
Views: 15428

Re: buy from amazon or only fulfilled by amazon?

Being that I've sold things on Amazon, I can maybe put a little light on fulfillment orders. If an item is "Fulfilled by Amazon" that means the seller has already shipped the item to Amazon, and Amazon is keeping it stored in their warehouse waiting for someone to buy it. It costs more for...
by drs85
Fri May 11, 2012 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Roth or traditional 401k for me
Replies: 20
Views: 1290

Re: Roth or traditional 401k for me

livesoft wrote:And now it turns out that one can withdraw from the 401(k) (or convert it to a Roth IRA) without paying taxes if they plan right. That's right: 0% tax going in and 0% tax coming out. That's better than a Roth IRA or a Roth 401(k).


Just out of curiosity, how does one do that?
by drs85
Thu May 10, 2012 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: governmental 457b vs 403b?
Replies: 12
Views: 1436

Re: governmental 457b vs 403b?

I don't believe the last 3 points of drs85 points are valid for example some different 457B plans du have a Roth option (New York State for example and tyhhe option is relatively new so many plans have not yet begun to offer the option and I believe getting out after "termination " permit...
by drs85
Thu May 10, 2012 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Roth or traditional 401k for me
Replies: 20
Views: 1290

Re: Roth or traditional 401k for me

Assuming you're at a 25% tax bracket at 64K you'd want to do Traditional now in hopes one day you can withdraw at the 15% tax bracket in retirement. Worst case is, even if you were still in the 25% tax bracket in retirement, you'd still be breaking even (no worse than if you contributed to the Roth ...
by drs85
Thu May 10, 2012 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: governmental 457b vs 403b?
Replies: 12
Views: 1436

Re: governmental 457b vs 403b?

I too have the option between a 403b and 457b; however I'm 26 and far from retirement. I am also in the same boat and can max out only one, and I have chosen to go with the 403b. My understanding of the main points between the two accounts are as follows: NOTICE: This is just how I understand the 40...
by drs85
Wed May 09, 2012 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Combining Total Bond Fund and TIPS
Replies: 11
Views: 1551

Re: Combining Total Bond Fund and TIPS

I've often heard people on here say an even blend of 50/50 between TIPS to Total Bond is the way to go. In John Bogle's book "The Little Book of Common Sense Investing" he hints/suggests holding 10% of TIPS, and the rest at your asset allocation. I'm 26 years old, and I hold my age in bond...
by drs85
Sat May 05, 2012 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 13114

Re: Are 20 something's screwed bc of inflation and little/no

Good to know you and I caught it young! And congrats for being so proactive in your future too! I seriously need to have a sit down with my friends and explain this to them because they just don't get it. Every time I explain to them why I can't go out and eat sushi every weekend or why I'm not buy...
by drs85
Sat May 05, 2012 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Are 20 somethings handicapped bc of inflation and little SS?
Replies: 162
Views: 13114

Re: Are 20 something's screwed bc of inflation and little/no

I'm 26 years old and I've realized this retirement concern many years ago and have been focusing on it ever since. There are a few other things you're not considering. Do keep in mind that your $1,036 savings per month is $1,036 FV more per month when you retire that you won't need (since you don't ...
by drs85
Thu May 03, 2012 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: changing jobs - 403b question
Replies: 7
Views: 432

Re: changing jobs - 403b question

http://www.investopedia.com/ask/answers ... z1trYQoS1a

It looks like, at least in 2007, you can only contribute up to the maximum between both accounts. So my suggestion would be to contribute up to the match of your 403b, and then the rest to your 401k (as I'm assuming you don't know what the match/funds will be since you haven't interviewed yet).
by drs85
Thu May 03, 2012 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: changing jobs - 403b question
Replies: 7
Views: 432

Re: changing jobs - 403b question

The amount is now 17K/year (it's no longer 16.5K) to either a 401k and 403b. I'm not entirely sure if you can contribute the maximum to both, but my guess would be yes as I can contribute 17K to both a 403b and 457b offered through my employer as they're different accounts. Other things to consider:...
by drs85
Thu May 03, 2012 10:07 am
Forum: Investing - Theory, News & General
Topic: Do scientists invest scientifically?
Replies: 56
Views: 3876

Re: Do scientists invest scientifically?

I can't speak for scientists, but engineers are Bogleheads. Efficiency by way of low ERs and taxes. Consistency by way of a low volume of trades and dollar-cost averaging. Set it and forget it. Anybody can do it. +1 My background is Computer Science, and I would imagine this would apply to anyone i...
by drs85
Tue May 01, 2012 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after 401k max and Roth max?
Replies: 24
Views: 3270

Re: What to do after 401k max and Roth max?

It sounds like you're in the same boat as me. I'm 26 years old maxing out my Roth IRA (5K), 403b (17K) and HSA. With the money I have in excess I'm currently putting it into a taxable account (being as tax efficient as I can with only contributing to Total Stock Market and Total International Stock ...
by drs85
Mon Apr 30, 2012 8:43 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds in the future
Replies: 7
Views: 895

Re: I-Bonds in the future

sscritic wrote: You can only buy one max a year, so when you swap, you lose out on the max. If you buy only half the max each year, there is no problem.

Ah ha! I didn't even think about that. Thank you. :)
by drs85
Mon Apr 30, 2012 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bonds in the future
Replies: 7
Views: 895

I-Bonds in the future

1. Say I purchase an I-Bond for $100 at today's fixed rate of 0%. Now, lets say the fixed rate increases 2 years from now (my existing I-Bond is then no longer affected by penalties or fees if I sold it) and I sell it, and then I turn around and buy the newer fixed rate. Is there anything "bad&...
by drs85
Mon Apr 30, 2012 3:54 pm
Forum: Investing - Theory, News & General
Topic: can you lose admiral shares?
Replies: 10
Views: 9295

Re: can you lose admiral shares?

I just called Vanguard the other day with this same question. If you fall below the minimum Admiral balance (say $10,000) in any type of account they will notify you (it sounds like they send out notifications my snail mail every quarter) telling you to either contribute more, or it may drop to the ...
by drs85
Thu Apr 26, 2012 10:39 am
Forum: Investing - Theory, News & General
Topic: What's your % ROTH vs Tax differed in your portfolio
Replies: 43
Views: 2382

Re: What's your % ROTH vs Tax differed in your portfolio

Traditional 403b - 45%
Roth 403b - 3%
Roth IRA - 25%
Taxable - 27%

I am 26
by drs85
Tue Apr 24, 2012 9:45 pm
Forum: Investing - Theory, News & General
Topic: To TIPS or not to TIPS
Replies: 4
Views: 732

Re: To TIPS or not to TIPS

nisiprius wrote: TIPS would seem to be the most predictable of all investments other than series I savings bonds.

Thank you for your feedback! Are there index funds, or funds in general, which are composed mainly of series I savings bonds? Or is that a bond type I have to buy independently?
by drs85
Tue Apr 24, 2012 7:15 pm
Forum: Investing - Theory, News & General
Topic: To TIPS or not to TIPS
Replies: 4
Views: 732

To TIPS or not to TIPS

What are the cons of TIPS?
Are TIPS affected by increasing yields as much as other bonds?
What's percentage do you hold of TIPS in your retirement portfolio?
Are TIPS good for young investors (25-30)?
If you were to do it all over again, would you hold TIPS?
by drs85
Tue Apr 24, 2012 5:19 pm
Forum: Investing - Theory, News & General
Topic: Top factors in retirement planning
Replies: 9
Views: 1410

Re: Top factors in retirement planning

The one question I have is this, these papers are assuming income at 25 is the same as income at 70? In reality, most 25 year olds are making a relatively small amount as compared to later in life earnings. Let's say the 25 year old makes 50K a year and socks away 7% or $3,500. Now lets say at age ...
by drs85
Sun Apr 22, 2012 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: One-fund for 5-10 year investing
Replies: 3
Views: 462

Re: One-fund for 5-10 year investing

Depends on the amount of complexity you're willing to stomach. The most efficient approach, at the cost of management overhead, is this: m This is a very interesting approach. I don't mind a little bit of management, and this allows it to be very tax efficient with the wash rule. Thank you for poin...
by drs85
Sun Apr 22, 2012 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: One-fund for 5-10 year investing
Replies: 3
Views: 462

One-fund for 5-10 year investing

I have my long-term retirement strategy all down and set in place. I also have an "emergency fund" of 6+ months in cash. I also have excess income which I would like to invest (non-retirement) in a taxable account to hopefully gain higher interest rates than what current banks offer (0.8%)...
by drs85
Sun Apr 22, 2012 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: 30 Year Old Couple Getting Back On Track!
Replies: 12
Views: 1326

Re: 30 Year Old Couple Getting Back On Track!

I see no one has commented on your questions yet, so hopefully I can just give some answers although I'm new to the boglehead way. 1. Even though I am still reading, I think we want to go with the three-fund approach to investing. I am having trouble figuring out how to best use the 401k funds to ac...
by drs85
Sat Apr 21, 2012 11:56 am
Forum: Investing - Theory, News & General
Topic: If you could hold only one fund, which one would it be?
Replies: 49
Views: 5364

Re: If you could only hold one fund, which one would it be?

I'd probably hold Vanguard Target Retirement 2045 Fund (VTIVX) based on my age (I'm 26), although I don't care too much for the 10% allocation to bonds. I may even go with something of a closer target just to increase the conservativeness of bond holdings closer to my age; say Vanguard Target Retire...
by drs85
Fri Apr 20, 2012 6:58 pm
Forum: Local Chapters and Bogleheads Community
Topic: Detroit Metro Chapter - Grand Opening
Replies: 27
Views: 4344

Re: Detroit Metro Chapter - Grand Opening

I'm interested in attending. I'm from Grand Rapids, MI.
by drs85
Fri Apr 20, 2012 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation - Anything I'm Missing?
Replies: 10
Views: 846

Re: Portfolio Allocation - Anything I'm Missing?

Since then, Vanguard increased Foreign allocation in Target Date Funds from 20% to 30% of Stocks (not of total portfolio). Great read! I'll allocate 30% of my stocks to be International. The final breakdown is as follows: Traditional 403b (contributing 24.8%/$17K) * Fidelity Spartan 500 Index Advtg...
by drs85
Fri Apr 20, 2012 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation - Anything I'm Missing?
Replies: 10
Views: 846

Re: Portfolio Allocation - Anything I'm Missing?

Thank you for everything so far! I'll work on calculating how much of a hit it would take to contribute maximum amounts to my Traditional 403b, and stop contributing to my Roth 403b. I should be able to do it, it'll just take away from my Taxable account contributions. I did some calculations to de...
by drs85
Fri Apr 20, 2012 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation - Anything I'm Missing?
Replies: 10
Views: 846

Re: Portfolio Allocation - Anything I'm Missing?

Your homework: how did I compute those numbers? Thank you for getting back so quickly YDNAL. I don't mind posting the actual $ amounts of my contributions, I was just avoiding it because the Fourm Policy says only to use %. However, here's the actual breakdown (which was pretty close to what you sa...
by drs85
Fri Apr 20, 2012 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation - Anything I'm Missing?
Replies: 10
Views: 846

Re: Portfolio Allocation - Anything I'm Missing?

1. Are you maxing out your 403b? $17k? If 12% of pre-tax income = $17K and you contribute the max to trad. 403B, that's one thing. That means you make $142K and the tax bracket then wouldn't make sense. Well, my work actually gives me the 12% into the Traditional 403b portion without me having to d...
by drs85
Thu Apr 19, 2012 8:33 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation - Anything I'm Missing?
Replies: 10
Views: 846

Portfolio Allocation - Anything I'm Missing?

I am kinda new to investing, at least to the concept of Bogleheads, and before now the only policy I had was save as much as I can for the end of the world. Hah. I have done a lot of research and I simply want to make sure what I'm planning on doing (until I die) is on track with the way of the Bogl...