Search found 305 matches

by Bogle101
Wed Aug 05, 2015 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Have you ever encountered hostility because people think you're "rich"?
Replies: 71
Views: 8251

Re: Have you ever encountered hostility because people think you're "rich"?

Nice thinly veiled brag OP. How does this have so many replies? Lol.
by Bogle101
Mon Jul 27, 2015 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to anyone else when logging onto Vanguard?
Replies: 9
Views: 1554

Re: Does this happen to anyone else when logging onto Vanguard?

No, I opened an incognito browser. If I enter my pw correctly the first time, it triggers the text verification step. If I enter my pw wrong, I get redirected to the unrecognized user name or pw page. If I then enter the correct pw on that page, I log in normally without triggering the text verifica...
by Bogle101
Mon Jul 27, 2015 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Does this happen to anyone else when logging onto Vanguard?
Replies: 9
Views: 1554

Does this happen to anyone else when logging onto Vanguard?

I have a security code texted to me when I log onto Vanguard. It is one of the features you can sign up for. You can also turn it off or set it up so it doesn't need one from your home computer. However, if I enter the wrong password it triggers me to the did you forget your password / re enter your...
by Bogle101
Tue Apr 21, 2015 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Quick 401(k) Question
Replies: 7
Views: 835

Re: Quick 401(k) Question

I tried to do this recently and they forced me to rollover both parts (pre-tax and Roth) at the same time. I was able to do a split rollover: the pre-tax portion to my new 401(k) and the Roth portion to my Roth IRA. Was the process painless or an administrative headache? I would love to have the Ro...
by Bogle101
Mon Apr 20, 2015 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Quick 401(k) Question
Replies: 7
Views: 835

Quick 401(k) Question

I have a 401(k) at an old company. The offerings are good and the expense ratios are really low. But about half the money is saved in a Roth 401(k). I want to roll over just the Roth portion to my Vanguard Roth IRA. However, the company administering the 401(k) says that I must roll over all the fun...
by Bogle101
Mon Apr 20, 2015 10:36 am
Forum: Personal Finance (Not Investing)
Topic: What's your average monthly expense???
Replies: 85
Views: 15219

Re: What's your average monthly expense???

Rent/mortgage, insurance, rental insurance, etc: $2,000 Phone + Internet: $150 Electricity + gas, water: 0 Auto Payment: 0 Auto Insurance: 0 Gas: 0 Grocery: 0 Foods (eating out, office lunch, etc): $1,000 Entertainment, shopping, movie, etc: $1,000 Debt: 0 Misc: 0 Average monthly total: $4,150 Famil...
by Bogle101
Thu Apr 09, 2015 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Am I part of the problem??
Replies: 73
Views: 12282

Re: Am I part of the problem??

I wouldn't worry about it. Some people on the board are a little overzealous about indexing and the "evil" that is active financial advice. It's either the total Boglehead way or the highway. Read some of the posts about tipping, coupons, etc. It's rather extreme. Nothing in life is ever black and w...
by Bogle101
Mon Apr 06, 2015 9:23 am
Forum: Investing - Theory, News & General
Topic: Do you think Ric Edelman is correct, never pay down mortgage
Replies: 407
Views: 103124

Re: Do you think Ric Edelman is correct, never pay down mort

I will tell you the reason why he suggests this. But first you need to transfer me some money and attend my workshop. I will also need you to send me gas money.
by Bogle101
Wed Apr 01, 2015 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do you not strive for success because it might offend others
Replies: 30
Views: 2706

Re: Do you not strive for success because it might offend ot

Sounds like you have a terrible social circle of family and friends. maybe you should work on being a better person, so you can meet a better quality of people. No one in family would ever behave the way you are describing, in fact, that would be the encouraging and appreciate of other's accomplishm...
by Bogle101
Wed Apr 01, 2015 8:49 am
Forum: Personal Investments
Topic: Newbie boglehead - 29yo portfolio review! thanks
Replies: 5
Views: 1197

Re: Newbie boglehead - 29yo portfolio review! thanks

Plan sounds good, nice start. Do you work in finance? Curious what industry has a nice annual income like that for an under 30 year old.
by Bogle101
Fri Mar 27, 2015 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Mom seeking financial help - what to do?
Replies: 62
Views: 8918

Re: Mom seeking financial help - what to do?

Give your mom 2k, so that way she is covered for next year as well. Consider lending your brother and his gf some money as well, since it seems like they might need the help. Start setting aside 500 - 1k a month and begin investing it in the Vanguard 3 fund portfolio. This can be your "family emerge...
by Bogle101
Wed Mar 25, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: Splitting a Food Tab on a Combined Birthday Lunch
Replies: 54
Views: 7999

Re: Splitting a Food Tab on a Combined Birthday Lunch

I'm pretty sure you all got leveled. Shocked at how many responded and took the time to give real answers.This really is the most helpful board on the interwebz.
by Bogle101
Tue Mar 17, 2015 4:12 pm
Forum: US Chapters
Topic: NYC Chapter
Replies: 2
Views: 1705

NYC Chapter

Do bogleheads ever meet or present ideas in the NYC area?
by Bogle101
Fri Mar 13, 2015 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Made a Roth IRA Mistake
Replies: 7
Views: 1192

Re: Made a Roth IRA Mistake

Thanks, for the prompt replies guys and Placeholder - but i just went through my records. The two contributions in 2013 were for 2012 and 2013. They show up in the transaction history for my traditional and my roth ira. There is also a record for February of this year when I contributed to my tradit...
by Bogle101
Fri Mar 13, 2015 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Made a Roth IRA Mistake
Replies: 7
Views: 1192

Re: Made a Roth IRA Mistake

I was just thinking that, and checking back on it - you are right it was for 2012! But still, why was I allowed to fund 2014 contribution in December of 2013. Also, supposing this is fine because it was less than a month away from 2014 - do I not have to report anything for 2014? Again, I had no gai...
by Bogle101
Fri Mar 13, 2015 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Made a Roth IRA Mistake
Replies: 7
Views: 1192

Made a Roth IRA Mistake

So when filing out my taxes this year I wondered why i did not receive a 1099-R since I did a back door roth. Looking into my records I apparently did the following. In March 2013 I did my backdoor for $5k. Then for some reason I did my 2014 backdoor for $5.5k in December of 2013. I was a month earl...
by Bogle101
Thu Mar 12, 2015 10:12 am
Forum: Investing - Theory, News & General
Topic: Basic Vanguard Graph Question
Replies: 3
Views: 604

Basic Vanguard Graph Question

Very quick, basic question. I called Vanguard and the rep said he "thinks" the graphs on Vanguard include dividends being reinvested. Does anyone know off the top of their head if that is true. When you are looking at a Vanguard fund, the second tab is price and performance. There is an option to co...
by Bogle101
Tue Feb 24, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 173
Views: 25056

Re: How much did you have saved up for retirement at age 30?

I am about 30 1/2.

I have 200k in taxable.

I have 225k in retirement accounts.
by Bogle101
Tue Feb 17, 2015 3:57 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 28546

Re: Dave Ramsey Lashes Out at His Financial Critics

Why does everyone here keep bashing Dame Ramsey? It is like pointing out that salads at McDonalds are not healthy. Yes, any educated person understands that quality ingredients are paramount to eating healthy. And if you want to eat healthy, fast food restaurants are not appropriate. But if someone ...
by Bogle101
Thu Feb 05, 2015 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: $36,000 Net Budget
Replies: 22
Views: 5228

Re: $36,000 Net Budget

Estimated numbers 30 M / Single Assets $110,000 - 401(k) #1 $7,000 - 401(k) #2 $90,000 - Roth IRA $150,000 - Taxable $12,000 - Checking Liabilities $0 Monthly Net Income (after tax and 401(k) contribution): $6,000 Rent / Utilities = $2,000 Food / Alcohol = $1,650 Phone = $150 Random / Impulse Purcha...
by Bogle101
Thu Dec 18, 2014 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 6755

Re: Helping out family members

Seems like an open and shut case.

You have a negative net worth, have not been asked to lend and this sibling is not a good person towards you.

The fact that you are posting this scenario on a forum suggests you know lending is a bad idea and just need some encouragement. DO NOT LEND
by Bogle101
Mon Dec 08, 2014 5:46 pm
Forum: Investing - Theory, News & General
Topic: 2014 Portfolio Returns
Replies: 25
Views: 3560

Re: 2014 Portfolio Returns

I love how a few people refuse to play along with the fun and games and instead of simply not posting, post "no point in comparing", "it depends on your allocation", etc. We all know the comparison isn't apples to apples. Must be the guys who call the cops cause the music too loud three doors down l...
by Bogle101
Fri Dec 05, 2014 1:36 pm
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 169
Views: 39758

Why Vanguard Total Stock Market isn’t the best fund

[Thread merged, see below. --admin LadyGeek]

http://www.marketwatch.com/story/why-va ... -03?page=1

Sorry if this has already been posted. Just wanted to hear forum members thoughts on Paul's article.

Thanks,
by Bogle101
Wed Nov 19, 2014 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Buying my first property
Replies: 3
Views: 825

Buying my first property

Hey guys, I am planning on buying my first property in Manhattan in the coming months. I have been reading up on mortgages, interest rates and everything in between as I prepare to apply for a mortgage and look for a place. I do not have a specific question to ask, rather was interested if any forum...
by Bogle101
Mon Oct 27, 2014 5:36 pm
Forum: Personal Investments
Topic: fleeced by an adviser, is there a recourse?
Replies: 104
Views: 12959

Re: fleeced by an adviser, is there a recourse?

You probably made more with him then if you had left the money in a savings account or CD or annuity.
by Bogle101
Thu Oct 23, 2014 12:15 pm
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 930
Views: 259888

Re: Should I use margin to buy a balanced fund?

This is a great idea. Margin always makes sense. Unless you need to tap these funds sooner than a long term timeframe. Or if there is a protracted bear market, which compounds the interest you pay on those down years. Or you have a life emergency and your cash flow dries up. So basically, as long as...
by Bogle101
Thu Oct 16, 2014 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: How can I stop feeling depressed about my finances?
Replies: 130
Views: 20197

Re: How can I stop feeling depressed about my finances?

Did you do any research about starting salaries when you chose your major?
by Bogle101
Tue Oct 14, 2014 3:07 pm
Forum: Personal Investments
Topic: Invested Windfall and Now Market Is Down
Replies: 34
Views: 6501

Re: Invested Windfall and Now Market Is Down

Market is down? Buy more stock
by Bogle101
Fri Sep 26, 2014 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Paycheck Taxes
Replies: 5
Views: 749

Paycheck Taxes

Just a random question. Wanted to see if I am missing something. My annual salary is $135,000. I get paid twice a month. So each pay check is $5,625. Total tax is $2,118. That leaves me with net pay of $3,507. Net pay / Gross Pay = 62.35% I just stated this job and cannot contribute to a 401(k). All...
by Bogle101
Wed Aug 20, 2014 3:14 pm
Forum: Personal Investments
Topic: Investing for inlaws
Replies: 23
Views: 1642

Re: Investing for inlaws

Do they have anything set aside for retirement after this sale and repayment of debt?
by Bogle101
Mon Mar 10, 2014 4:12 pm
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 30369

Re: What video games are you currently playing?

Call of Duty: Ghosts
Warcraft 3: Frozen Throne
I recently played a game that has been out for awhile called The Last of Us. It was one of the most enjoyable video game experiences I have ever had and highly reccomend it, especially if you enjoy the unchartered series.
by Bogle101
Wed Mar 05, 2014 10:41 am
Forum: Personal Investments
Topic: Looking for Portfolio Help (26 y/o)
Replies: 30
Views: 2078

Re: Looking for Portfolio Help (26 y/o)

Lots of good advice on the thread that you can implement. My two cents is that your portfolio is rather scattered, but importanatly there is some overlap with some of your holdings. If you are dead set on holding individual stocks that's fine, but consolidating your etfs and mutual funds should be d...
by Bogle101
Mon Feb 24, 2014 3:08 pm
Forum: Personal Investments
Topic: Vanguard Sector Funds in Taxable?
Replies: 17
Views: 1963

Re: Vanguard Sector Funds in Taxable?

Look vanguard sector funds are not as tax efficient as index funds, so most people on the board will not be in favor of them. But don't let all the negative responses sway you away from considering them. Tax efficient investing is great in theory, but in real life I don't think you can be perfectly ...
by Bogle101
Fri Feb 21, 2014 4:37 pm
Forum: Personal Investments
Topic: Ed Jones to Fidelity
Replies: 13
Views: 3516

Re: Ed Jones to Fidelity

If you leave Edward Jones, how will you "make sense of investing"?
by Bogle101
Thu Feb 20, 2014 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's the Appropriate Net Worth by % for a 27 year old?
Replies: 78
Views: 17973

Re: What's the Appropriate Net Worth by % for a 27 year old?

Well this thread made me feel good and much less bummed about all the cash and time I wasted while in college and just after, my money could have been compounding for seven more years! My understanding of personal finance has grown throughout my time on the board so I only really compare myself to w...
by Bogle101
Thu Feb 20, 2014 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: What's the Appropriate Net Worth by % for a 27 year old?
Replies: 78
Views: 17973

Re: What's the Appropriate Net Worth by % for a 27 year old?

I am 29.5, and my net worth is right around 300k (taxable + Roth IRA + 401(k) + cash). I think that's about average for someone with a college education, but on this saving / investing forum alot of people are doing much better. As far as %'s of net worth - that is totally dependent on your short te...
by Bogle101
Thu Feb 20, 2014 9:46 am
Forum: Investing - Theory, News & General
Topic: ETF vs MF - Unrealized Gains
Replies: 9
Views: 1314

ETF vs MF - Unrealized Gains

Last night I was speaking with a bunch of people and we were discussing finances and investing. In these settings I really don't like talking too much about indexing, because to be honest most people jump down my throat for some reason, like I am personally offending them by being a passive investor...
by Bogle101
Tue Feb 18, 2014 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 20322

Re: Skip IRA for 1 year to buy engagement ring

If you really love her, you should buy her a big ring and forgo your ROTH contributions for the next three years :D
by Bogle101
Fri Feb 14, 2014 11:06 am
Forum: Personal Investments
Topic: Help Rebalancing 401k w/ Index Funds
Replies: 7
Views: 1071

Re: Help Rebalancing 401k w/ Index Funds

I would recommend:

15% - Short-Term Federal (Vanguard VSGDX 0.6)
5% - High Yield Fund (Western Asset JIHDX 0.76)

35% - Total Stock Market (John Hancock JETSX 0.57)
20% - Small Cap Index Fund (John Hancock JESIX 0.64)

25% - International Equity Index Fund (SSGA JIEQX 0.62)
by Bogle101
Tue Feb 11, 2014 6:18 pm
Forum: Personal Investments
Topic: Please help with my Fidelity 401K account selections
Replies: 8
Views: 1926

Re: Please help with my Fidelity 401K account selections

It is hard to give thoughtful advice with limited information. Can you provide the expense ratios for the funds? Can you also fill out your information following the first time portfolio layout as described in the wiki?
by Bogle101
Tue Feb 11, 2014 2:36 pm
Forum: Personal Investments
Topic: What percentage should be in High Yield AKA "Junk" bonds
Replies: 32
Views: 3643

Re: What percentage should be in High Yield AKA "Junk" bonds

5% - 10% of my whole portfolio. I think it is a good bucket to own. But you may get haters who say none at all, since one of the prevailing boglehead themes is simplicity and many here are against adding complexity to a portfolio. I think in the end it will be such a de minimus part of your overall ...
by Bogle101
Tue Feb 11, 2014 8:30 am
Forum: Forum Issues and Administration
Topic: deleting my posts on bogleheads.org
Replies: 25
Views: 7063

Re: deleting my posts on bogleheads.org

Sorry OP, its too late! You're always going to be on the grid now
by Bogle101
Mon Feb 10, 2014 6:42 pm
Forum: Personal Investments
Topic: quick question about adding up expense ratios
Replies: 9
Views: 1632

Re: quick question about adding up expense ratios

I was going to type that maybe he should look into Vanguard index funds with much lower expense ratios but now all I can think about is pizza.
by Bogle101
Mon Feb 10, 2014 10:51 am
Forum: Investing - Theory, News & General
Topic: Net Worth Survey 2014 Interactive Dashboard
Replies: 30
Views: 14657

Re: Net Worth Survey 2014 Interactive Dashboard

This is a really cool output, and the driver behind it is an excel spreadsheet? How can I create a dashboard from an excel spreadsheet? I ask because I track my investments in excel and it would be cool to have an output page like this instead of rows and columns of numbers.
by Bogle101
Tue Feb 04, 2014 9:56 am
Forum: Investing - Theory, News & General
Topic: Which day of the month - with a twist
Replies: 12
Views: 2445

Re: Which day of the month - with a twist

I once read an article that if you invested during the year and pulled out the day before the ten best days (or conversely sold the day before the ten biggest drop days) your results would be terrible (or tremendous). But how one would actually do that without being Marty McFly or Biff or Doc is bey...
by Bogle101
Wed Jan 29, 2014 5:02 pm
Forum: Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 9423

Re: My annualized returns are WORSE than yours. Why?

Did someone change the original thread title? Lol.
by Bogle101
Tue Jan 28, 2014 10:44 am
Forum: Personal Investments
Topic: Which of these 2 portfolios would you choose?
Replies: 24
Views: 1918

Re: Which of these 2 portfolios would you choose?

Obviously portfolio B