Search found 42 matches

by Azok
Fri Sep 14, 2012 4:34 am
Forum: Investing - Help with Personal Investments
Topic: Okay, You Win [needs investing help]
Replies: 67
Views: 15443

Re: Okay, You Win [needs investing help]

There are a few things I don't understand here...

How you make $30k a year and are in the 25% tax bracket.

How your home only costs $20k, and if you make 150% yearly the cost of a house where you live. And you aren't debt free.

Are we being trolled?
by Azok
Fri Sep 14, 2012 4:15 am
Forum: Forum Issues and Administration
Topic: Other investment websites?
Replies: 4
Views: 1082

Other investment websites?

I'm not trying to knock this website, but most of the posts pertain to Vanguard investments (which I don't have).

Are there any other popular forums for investing?
by Azok
Wed Sep 12, 2012 4:45 am
Forum: Investing - Theory, News & General
Topic: Post your AA
Replies: 135
Views: 20022

Re: Post your AA

I am posting this because it has seem I have settled on it. Every time I think about changing it, I realize it's still perfect for me. Age: 22 Aggregate US Equities (sans REIT): 50% Aggregate US REIT: 5% Aggregate Intl Equities (sans REIT): 25% Aggregate Intl REIT: 0% Aggregate Nominal Bonds: 10% Ag...
by Azok
Fri Sep 07, 2012 2:35 am
Forum: Investing - Theory, News & General
Topic: Do I have this right: If bonds yield MORE the NAV goes DOWN?
Replies: 27
Views: 2633

Re: Do I have this right: If bonds yield MORE the NAV goes D

nisiprius: Thanks for your post. That image is really tempting me to time the market and buy a lot of BND as soon as I can after interest rates go up. I want to be a Boglehead but you are tempting me... This is what I don't get... Every time I try to talk myself into contributing less into bond fun...
by Azok
Wed Aug 29, 2012 3:30 am
Forum: Investing - Help with Personal Investments
Topic: Im a noob
Replies: 8
Views: 900

Re: Im a noob

What do you mean by 'eventually?'

What is your income?

What are your expenses?

Does your employer offer investment benefits?
by Azok
Tue Aug 14, 2012 2:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard Performance Report
Replies: 9
Views: 1685

Re: Vanguard Performance Report

Who are the other twelve percent?
by Azok
Sat Aug 11, 2012 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Diversifying causing more risk?
Replies: 11
Views: 1458

Re: Diversifying causing more risk?

Well this helps confirm that I might be better off lowering EM. I didn't know it was only 20% of the int'l market. I don't want to go over 20% bonds right now. I am young enough to invest heavily into equity. The other 5% I'll move to different funds every few months depending on the market (5% mark...
by Azok
Sat Aug 11, 2012 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Diversifying causing more risk?
Replies: 11
Views: 1458

Re: Diversifying causing more risk?

Yes, I am only offered long term funds and company stock. This is my only retirement plan at this point. I have to either take care of my new wive's past debts or buy a house, so I'm not diving in to this with all I can. I do plan on either opening a Roth in the next couple years. Whether it's an IR...
by Azok
Sat Aug 11, 2012 2:30 am
Forum: Investing - Help with Personal Investments
Topic: Diversifying causing more risk?
Replies: 11
Views: 1458

Diversifying causing more risk?

This is for my tax deferred 401k. I have listed possible passively managed funds that I would invest in. The first percent is my current allocation and the second is future investments. I'm fine with not moving any funds since this is brand new and will even out soon anyway. I thought that my portfo...
by Azok
Sat Aug 11, 2012 2:06 am
Forum: Personal Finance (Not Investing)
Topic: Is it dangerous to write a check?
Replies: 64
Views: 7438

Re: Is it dangerous to write a check?

It's only as dangerous as you make it. Write legibly - It's hard to alter obvious characters. But when it's all scribbled, a dash across "hundred" can appear to be "thousand" Fill it out completely (memo is exception) Don't leave room for extras :) Banks will follow legal line over courtesy box alwa...
by Azok
Tue Aug 07, 2012 4:02 am
Forum: Investing - Theory, News & General
Topic: TIPS in the long run?
Replies: 16
Views: 1874

TIPS in the long run?

If bonds in a TIPS index fund don't mature until 2020-2040, is there any difference investing now, when inflation isn't a big risk? Or in a few years where there might be some risk? It seems to me, if there is no risk of inflation, the prices of TIPS would remain low, is that how it works? Or do the...
by Azok
Tue Aug 07, 2012 3:27 am
Forum: Investing - Theory, News & General
Topic: International Equities - increasing or decreasing risk?
Replies: 112
Views: 9838

Re: International Equities - increasing or decreasing risk?

Tigermoose wrote: Verdict: No more than 15% of equity allocation. So says Saint Bogle and the great Prophet of Omaha.
I thought it's often suggested 25% to 33% of stocks.
by Azok
Tue Aug 07, 2012 3:16 am
Forum: Personal Finance (Not Investing)
Topic: Credit Score and Credit Card Question
Replies: 43
Views: 5441

Re: Credit Score and Credit Card Question

Now that you have a job, a lot of banks won't charge you a monthly fee if you have direct deposit (where your checks automatically go into your bank). I would set up a bank account and save some before a credit card. I think when you apply the ask about your assets. The more you have would be better...
by Azok
Tue Aug 07, 2012 3:05 am
Forum: Personal Finance (Not Investing)
Topic: Any need for high school student to build credit?
Replies: 36
Views: 3740

Re: Any need for high school student to build credit?

My mom cosigned for me to get a credit card when i was about 17. It helped me learn responsibility, budgeting, and most of all: fear of bad credit.

6 years later of mild use and no late payments, I have decent credit :)

I should thank her for that...
by Azok
Sun Aug 05, 2012 3:27 am
Forum: Investing - Theory, News & General
Topic: International Equities - increasing or decreasing risk?
Replies: 112
Views: 9838

Re: International Equities - increasing or decreasing risk?

nisiprius wrote:Tigermoose: as a start, you should read Vanguard's paper, Considerations for investing in non-U.S. equities. You really should, it's quite good and reasonably balanced.
You always post the most helpful things.

One question: on these charts, "MSCI World Index ex USA" includes EAFE AND EM?
by Azok
Sat Aug 04, 2012 2:01 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer. Wifes debt & bankruptcy.
Replies: 26
Views: 3741

Re: First time home buyer. Wifes debt & bankruptcy.

Well I appreciate all the advice. I guess I'm more worried that after paying of her debt off, we'll be in the same position, just with near to no money.

I will make a new post once we get the settlements. Will probably pay off her student loan by then.
by Azok
Fri Aug 03, 2012 1:16 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer. Wifes debt & bankruptcy.
Replies: 26
Views: 3741

Re: First time home buyer. Wifes debt & bankruptcy.

I know an adviser of a reputable financial management company who says the market will start to go up around the beginning of this next year. As far as I know, she's not going to be on any of the paperwork, I'll ask my lender. I said we live in Las Vegas, NV. We were married at the time of the accid...
by Azok
Thu Aug 02, 2012 10:55 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer. Wifes debt & bankruptcy.
Replies: 26
Views: 3741

Re: First time home buyer. Wifes debt & bankruptcy.

$550/mo on the new house is including taxes and insurance. It's either that or we rent in a decent area for ~$850 a month. This is in Las Vegas. So my area IS that bad. My wife is 32, not 22. I didn't know her when she acquired those debts. I can get a 3.5% 30-year fixed loan. I don't know if I coul...
by Azok
Thu Aug 02, 2012 8:10 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer. Wifes debt & bankruptcy.
Replies: 26
Views: 3741

Re: First time home buyer. Wifes debt & bankruptcy.

The loan officer is the one who suggested just myself being on the loan. Right now 35% of our monthly income (after deductions) goes to bills/rent. If we bought this house, it would not exceed 45% (if even 40%). (This is what I pay living on a bad side of town, compared to buying on a really good si...
by Azok
Thu Aug 02, 2012 4:03 am
Forum: Personal Finance (Not Investing)
Topic: First time home buyer. Wifes debt & bankruptcy.
Replies: 26
Views: 3741

First time home buyer. Wifes debt & bankruptcy.

Subject title so good I should do this for a living! Sorry that I'm not the normal Boglehead, but you may find this interesting. I am 22 years old; I bring in $25k a year and my wife ~$11k part-time. Buying our first home before the new year if we can. Wife only has $6k in student loans now, but ~$3...
by Azok
Tue Jul 31, 2012 4:16 am
Forum: Investing - Help with Personal Investments
Topic: TIPS in Retirement Portfolio
Replies: 15
Views: 2623

Re: TIPS in Retirement Portfolio

I like how they include a "Risk" section on the wiki, and it is blank.
by Azok
Sat Jul 28, 2012 8:23 pm
Forum: Investing - Theory, News & General
Topic: Two front page stories on CNBC today
Replies: 15
Views: 2840

Re: Two front page stories on CNBC today

Cut-Throat wrote:I'm not worried as the Mayan Calendar ends in 2012. I have enough money until then. :happy
My calendar ends every year. Ironically I'm still here.
by Azok
Sat Jul 28, 2012 2:58 am
Forum: Investing - Help with Personal Investments
Topic: What are my tickers? Alternate mobile app?
Replies: 2
Views: 2233

What are my tickers? Alternate mobile app?

My tickers aren't listed anywhere in my benefits or in the "Lipper Fund Information." I am trying to track these using the "Stocks" app on my Android (linked with my Google Finance). Since I can't find the indexes/funds on Google Finance, I am using iShares indexes/funds, but it's a pain constantly ...
by Azok
Thu Jul 26, 2012 4:39 pm
Forum: Investing - Theory, News & General
Topic: Is this legal?
Replies: 7
Views: 1488

Re: Is this legal?

"Also, all of these folks only sold a fraction of their holdings, so they've been hammered along with the rest of Zynga shareholders by the subsequent collapse."

In their defense.
by Azok
Tue Jul 24, 2012 3:06 pm
Forum: Investing - Theory, News & General
Topic: This is why you diversify
Replies: 173
Views: 17581

Re: THIS is why you diversify

baw703916 wrote:
Azok wrote:Kinda scary since I'm am just now starting to invest and 55% is allocated to S&P 500 and MSCI EAFE. (fixed)
One can look at this as buying low. ;)
Yea, I've been looking at stocks dropping recently, making me excited.
by Azok
Tue Jul 24, 2012 1:43 pm
Forum: Investing - Theory, News & General
Topic: This is why you diversify
Replies: 173
Views: 17581

Re: THIS is why you diversify

Kinda scary since I'm am just now starting to invest and 55% is allocated to S&P 500 and MSCI EAFE. (fixed)
by Azok
Fri Jul 20, 2012 2:28 am
Forum: Investing - Theory, News & General
Topic: Has your advisor ever discussed Series I savings bonds?
Replies: 34
Views: 3227

Re: Has your advisor ever discussed Series I savings bonds?

Is that the Roman numeral 1 or an "i"?

If it's an "i," is a series I the same as a Class I Shares?
by Azok
Fri Jul 20, 2012 2:22 am
Forum: Investing - Help with Personal Investments
Topic: Traditional vs Roth for a youngin?
Replies: 31
Views: 2191

Re: Traditional vs Roth for a youngin?

grabiner wrote:You can keep an emergency fund in a Roth IRA, because you can withdraw your contributions (but not earnings) from the Roth IRA without penalty.
Didn't even think about that. Much better than the safe in the closet. Looks like I DO have a reason for IRA now, lol. Much appreciated :)
by Azok
Thu Jul 19, 2012 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs Roth for a youngin?
Replies: 31
Views: 2191

Re: Traditional vs Roth for a youngin?

Well that's good to know about the savers credit. I will probably have to pass on the full credit. Considering my company's up to 16% match I don't see a reason (well there is diversity) to go with an IRA (unless they would still match). Even though I could open an IRA for her. It would be smarter t...
by Azok
Thu Jul 19, 2012 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs Roth for a youngin?
Replies: 31
Views: 2191

Re: Traditional vs Roth for a youngin?

Do I have until that time for my 401k as well? since I would definately have $2000 in there by April.
by Azok
Thu Jul 19, 2012 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs Roth for a youngin?
Replies: 31
Views: 2191

Re: Traditional vs Roth for a youngin?

8% return. ~35 years. That's if I can contribute 16% in 10 years.

I used a calculator on the Charles Schwab site. I know it's not precise at all*.

EDIT: Looking up another one, I think the salary increase % was a little high.
by Azok
Thu Jul 19, 2012 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs Roth for a youngin?
Replies: 31
Views: 2191

Re: Traditional vs Roth for a youngin?

Sorry if I am confusing, this is a 401k.
by Azok
Thu Jul 19, 2012 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs Roth for a youngin?
Replies: 31
Views: 2191

Re: Traditional vs Roth for a youngin?

Roth vs Traditional was the original question.

I was asking about the savers credit now. It won't be at $2000 by the end of the year, since this is through my income only. It will be around $1300.
by Azok
Thu Jul 19, 2012 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs Roth for a youngin?
Replies: 31
Views: 2191

Re: Traditional vs Roth for a youngin?

I doubt we would ever get above the 15% tax bracket while working, because if I made more money, I would just have my wife stop working. Huh? What kind of sense does that make? Why would you choose to have less money just to stay in a lower tax bracket? Are you sure you know how taxes work? A good ...
by Azok
Thu Jul 19, 2012 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs Roth for a youngin?
Replies: 31
Views: 2191

Re: Traditional vs Roth for a youngin?

Nuke, The home loan is going to be under my name only. Not combining any of our finances until she is debt free; maybe not after, LOL, just kidding. I still would like to do the responsible thing and pay it off. I will be putting ~$5k towards emergency funds when I get this settlement as well. The m...
by Azok
Thu Jul 19, 2012 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs Roth for a youngin?
Replies: 31
Views: 2191

Re: Traditional vs Roth for a youngin?

I know I’m getting ahead of myself talking about 16% contribution, lol. I’m just saying if I can I will… I’m all about not working as soon as possible in life. :P Yes, when I made that post I had very little idea (still do), and was just going with a safe plan (3/5 rating instead of 2045’s 2/5 ratin...
by Azok
Wed Jul 18, 2012 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional vs Roth for a youngin?
Replies: 31
Views: 2191

Traditional vs Roth for a youngin?

22 years old, married, $40-45k combined annual income. Not looking to work after 60 (possibly sooner). I will start investing a week from now. I doubt we would ever get above the 15% tax bracket while working, because if I made more money, I would just have my wife stop working. My main problem is I...
by Azok
Wed Jul 18, 2012 4:07 pm
Forum: Investing - Theory, News & General
Topic: BlackRock Failing?
Replies: 4
Views: 1937

BlackRock Failing?

http://www.bloomberg.com/news/2012-07-1 ... ssets.html

I'm new to investing, and my company's 401ks go through BlackRock. Should I worry about this?
by Azok
Tue Jul 17, 2012 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Simple 401k Investment Q's
Replies: 7
Views: 1436

Re: Simple 401k Investment Q's

Updated tickers, but most don't have them. Edit: Starting to realize there are multiple funds with the same name, and that my catalog states BlackRock Lifepath 2030 at 75% stocks 25% bonds. But when I sign up for it, it has 6X% stocks and I have to choose Lifepath 2035 for the 75% stocks 25% bonds, ...
by Azok
Tue Jul 17, 2012 7:27 pm
Forum: Investing - Help with Personal Investments
Topic: Simple 401k Investment Q's
Replies: 7
Views: 1436

Re: Simple 401k Investment Q's

Apparently I take too long to type these as I keep logging in and retyping most of this. I thought equity referred to real estate, good to know. From the chart it looks like 75% stocks 25% bonds is my best bet. I don’t have any debt at the moment, but my wife… to my surprise, has $34k in school loan...
by Azok
Tue Jul 17, 2012 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Simple 401k Investment Q's
Replies: 7
Views: 1436

Re: Simple 401k Investment Q's

Updated with ER now that this was posted.
by Azok
Mon Jul 16, 2012 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Simple 401k Investment Q's
Replies: 7
Views: 1436

Simple 401k Investment Q's

I am 22 years old and was recently hired at a well-off company. I decided that if possible, I will stay with this company for the remainder of my working life. I am looking to retire by 60 years old. My company matches 6% initially, plus an additional 1% each year for 10 years. So, I am contributing...