Search found 159 matches

by b42
Thu Apr 27, 2017 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Please help with portfolio advice - from -$90k debt to $250 networth in 3 years.
Replies: 2
Views: 444

Re: Please help with portfolio advice - from -$90k debt to $250 networth in 3 years.

Glad to hear that things are turning around for the better! To answer your questions: 1. If you are comfortable with Fidelity/TDAmeritrade and they offer funds you want, I don't see any pressing need to switch. I currently only hold mutual funds, so if I was for some reason forced to switch to Fidel...
by b42
Tue Apr 18, 2017 6:42 am
Forum: Investing - Theory, News & General
Topic: Unwinding all positions and buy back after French Elections
Replies: 53
Views: 4727

Re: Unwinding all positions and buy back after French Elections

Remember if you are market timing, you have to be right twice , getting out of the market and back into the market. Say you sell and the market does go down? How would you determine when to buy back, and what if you buy back and the downturn turns into a prolonged recession? Most on the forums will ...
by b42
Thu Apr 13, 2017 1:35 pm
Forum: Personal Consumer Issues
Topic: Please recommend-A new TV with good sound system
Replies: 15
Views: 988

Re: Please recommend-A new TV with good sound system

I'd check The Wirecutter for some reviews on both. They have recommendations for all types of price points, and it should give some good guidance on how much to allocate between the screen and sound system.
by b42
Mon Apr 10, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Calculus
Replies: 14
Views: 3366

Re: Early Retirement Calculus

Welcome to the forums! I like the idea of increasing the cash reserves to 12-24 months. That will be useful if we experience another prolonged downturn. And if you don't like having that much cash on hand, you could keep a year's worth in checking/savings, and do a CD ladder with the other 12 months...
by b42
Sun Apr 09, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Setting up home office/network question
Replies: 18
Views: 964

Re: Setting up home office/network question

Is the router wireless? You could buy a $10-$20 wireless USB adapter for the desktop and see if the speed will be good enough for your use (placement of the router in the house along with the building materials may affect connection quality).
by b42
Sat Apr 08, 2017 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to open a Roth IRA - need some expert advice
Replies: 8
Views: 842

Re: Looking to open a Roth IRA - need some expert advice

Welcome to the forums! I did something similar to what you are doing when I opened my Roth IRA. I initially bought $3k of the US Stock Market Index, then added $3k into the Total International Stock Index a few years later, then $3k to the total US Bond market a few years after that. After the funds...
by b42
Sat Apr 08, 2017 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: advice
Replies: 10
Views: 910

Re: advice

Welcome to the forums!

Do you currently have an IRA (Traditional or Roth) for yourself or your spouse? Even with your high income, you could use a Backdoor Roth to get some more funds in a tax-advantaged account:

https://www.bogleheads.org/wiki/Backdoor_Roth_IRA
by b42
Sat Apr 08, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: 36yo looking for feedback
Replies: 25
Views: 3600

Re: 36yo looking for feedback

Welcome to the forums! I count $506,420 in your portfolio. Broken down: About 91.9% is in stocks (13.7% US Stock Index, 3.4% Intl Stock Index, 59.3% C Fund, 15.5% S Fund) About 8.0% in bonds (1.2% Total US Bond, 6.8% G Fund) So overall the portfolio is equities-heavy. If you want, you could slowly a...
by b42
Wed Apr 05, 2017 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Leave money in VTSMX or move to VMMXX for when things go bad?
Replies: 10
Views: 721

Re: Leave money in VTSMX or move to VMMXX for when things go bad?

This thinking is similar to market timing. Remember you have to be right twice, when selling and when buying back.

A better strategy is to find an asset allocation that is good you you and stick to it, and rebalance during downturns.
by b42
Fri Mar 31, 2017 7:18 am
Forum: Investing - Help with Personal Investments
Topic: Personal Portfolio - redundancy
Replies: 4
Views: 462

Re: Personal Portfolio - redundancy

Welcome to the forums! There is opportunity to consolidate some of your holdings to simplify administration and rebalancing in the future. Do you have a target asset allocation (stocks/bonds)? Do you want international stocks to be a percentage of stocks? What are your fund options for the Schwab 40...
by b42
Thu Mar 30, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy
Replies: 5
Views: 548

Re: Whole Life Policy

Does your father have a specific need for whole (or any) life insurance, or are there potential estate-tax issues in the future? Does your father have any health-related issues that would make life insurance more valuable? The easiest answer would be to cash out the policy now and take the 196k and ...
by b42
Thu Mar 23, 2017 6:15 am
Forum: Investing - Help with Personal Investments
Topic: Maxing tax-advantaged accounts -- am I getting this right?
Replies: 19
Views: 1490

Re: Maxing tax-advantaged accounts -- am I getting this right?

Do you live in a state that has income tax, and/or local tax?

Do you have health insurance through your employer where you get pre-tax benefits on the premiums?
by b42
Fri Mar 17, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Paralysis by Analysis
Replies: 12
Views: 1098

Re: Paralysis by Analysis

What is the interest rate on the 401k loan? The auto loan interest rate seems to be relatively low. I would keep the emergency fund as-is, since it's primary function is to pay for unanticipated expenses. It wouldn't be ideal to use the emergency funds to pay off the debt, something happens, and the...
by b42
Mon Mar 13, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Getting Term Life Insurance - Plus or Basic? (Ohio National)
Replies: 15
Views: 751

Re: Getting Term Life Insurance - Plus or Basic? (Ohio National)

The aggregate difference between the two combined plans if kept over the entire 20 year period is $727.20.

I think the main question is would you even want/need permanent insurance at age 56-57?

I would go with the basic plan.
by b42
Wed Mar 08, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: 18 yr old looking to invest in Roth IRA
Replies: 4
Views: 390

Re: 18 yr old looking to invest in Roth IRA

Welcome to the forums! When I opened my Roth IRA account at 19, I put my entire $3,000 contribution into the Vanguard Total Stock Market Index. I got a return of about 30% my first year (hey, this is easy!...The benefits of starting to invest at the bottom of a recession :happy). Wasn't market timin...
by b42
Thu Feb 23, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: 5 Year Investment Advice
Replies: 4
Views: 344

Re: 5 Year Investment Advice

If the money is going to be used for a down payment in less than five years, I'd probably stick to cash/CDs/short term bond funds. Since the time horizon is short, stocks would be risky, especially if there's a moderate size dip right as you want to withdraw. Do you plan on selling your current hous...
by b42
Mon Feb 20, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Help with recent inheritance and investments
Replies: 29
Views: 1390

Re: Help with recent inheritance and investments

Welcome to the forums! What I would do in this situation is either pay off the student loans, or make a large payment so you can get the total amount low enough to refinance. You can "lock in" a 6.55% return by paying off the loans now rather than later, and it will be very hard to find so...
by b42
Thu Feb 16, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner investor: start investing now or wait for a correction? [4-5 year timeframe]
Replies: 18
Views: 2782

Re: Beginner investor: start investing now or wait for a correction? [4-5 year timeframe]

Welcome to the forums! I'd start here: https://www.bogleheads.org/wiki/Getting_started Check this post out as well: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 If you can, take the time to edit your post with more information. You'll get more responses if we have a better picture o...
by b42
Mon Feb 13, 2017 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Permanent Life Insurance
Replies: 16
Views: 1615

Re: Permanent Life Insurance

To compare, I'd do the following: Go to term4sale.com and get some general quotes for 20/30 year term life policies for the same death benefit for both husband and wife. Figure out how much those policies would cost in total. Compare to the $1600 a month they currently pay now. My guess is the term ...
by b42
Thu Feb 09, 2017 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Newbie - Investing idea on portfolio mix - Good idea or Pending Disaster?
Replies: 3
Views: 323

Re: Newbie - Investing idea on portfolio mix - Good idea or Pending Disaster?

Welcome to the forums! I'd first like to say that even with the best back testing, past performance does not guarantee future results. And I would be curious, over the long term how many points does your simulated portfolio beat the other two mentioned? Were taxes and fees (if present) accounted for...
by b42
Thu Feb 09, 2017 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Life insurance policy question
Replies: 23
Views: 1275

Re: Life insurance policy question

Thank you for listing the policy details. So you are paying roughly $100 a month, or $1200 a year, for a $150,000 policy. As an example I headed over to term4sale.com, which is a great starting point to shop for term life insurance, and plugged in a "healthy" 34 year old male non smoker. T...
by b42
Wed Feb 08, 2017 10:00 pm
Forum: Investing - Help with Personal Investments
Topic: Life insurance policy question
Replies: 23
Views: 1275

Re: Life insurance policy question

Normally whole life insurance tends to not be very good insurance or an "investment". It's almost always better to split the two. And I would not include the insurance as a part of your portfolio. Could you post some more information about the policy, such as the death benefit (I know you ...
by b42
Wed Feb 08, 2017 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie - financial / investment advisor question
Replies: 5
Views: 424

Re: Newbie - financial / investment advisor question

Welcome to the forums! There's a lot here to discuss, so I'll only point out a few things. First, it may be helpful to read this "Asking Portfolio Questions" thread. Any additional information you can provide would be very useful, since it's hard to make big decisions without knowing more ...
by b42
Tue Feb 07, 2017 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie asks-should I put sell limits on my portfolio?
Replies: 18
Views: 943

Re: Newbie asks-should I put sell limits on my portfolio?

Welcome to the forums! When you say safeguard, do you mean liquidating into cash? Because there would most likely be some consequences such as taxes, plus then once in cash you would essentially have to know the right "time" to get back in, which is market timing. And there is also inflati...
by b42
Tue Feb 07, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage advice, 1st time buyer
Replies: 12
Views: 1486

Re: Mortgage advice, 1st time buyer

Welcome to the forums! Some ideas: 1. Do you have a real estate buyer's agent? They may be able to direct you towards some good lenders in your area. 2. I would check and see if your state offers any special first-time home buyer programs. In my case I got an excellent mortgage with tax credits, but...
by b42
Fri Feb 03, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: GF has long commute, should we buy a house to avoid long commute?
Replies: 62
Views: 4845

Re: GF has long commute, should we buy a house to avoid long commute?

Is another option to rent a place closer to her work, then look into buying a home?
by b42
Fri Feb 03, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Help with new 401k
Replies: 9
Views: 660

Re: Help with new 401k

Welcome to the forums! It would be helpful if you format your post into something like this to help get more answers: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 The above will give a more complete picture of your financial situation. From the options given, your best bet is VINIX,...
by b42
Wed Feb 01, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: New to Bogleheads - Need to decide whether to sell everything*
Replies: 35
Views: 4845

Re: New to Bogleheads - Need to decide whether to sell everything*

Welcome to the forums! To answer one of your questions about why some of the funds are not optimal, I would go to morningstar's website and type in every single fund you have (using the ticker symbol) and find the expense ratio. You can do a rough calculation on how much you "pay" the mutu...
by b42
Tue Jan 31, 2017 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Confused about Betterment vs Vanguard returns..
Replies: 11
Views: 1568

Re: Confused about Betterment vs Vanguard returns..

Welcome to the forums! If you have the time I'd look at this wiki link: https://www.bogleheads.org/wiki/Getting_started If you check the sticky in the forum "Asking Portfolio Questions", you can format your current portfolio and add in other information so we have a more complete picture o...
by b42
Wed Jan 25, 2017 12:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 8631

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday!
by b42
Fri Jan 20, 2017 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Closing Credit Card Before Getting a Mortgage
Replies: 5
Views: 413

Re: Closing Credit Card Before Getting a Mortgage

Welcome to the forums! If you can hold onto the card, it would most likely be a good idea to keep the credit card open until you qualify for the mortgage. You can keep it active and have it continue to contribute to your credit score by either using it occasionally or putting a small recurring charg...
by b42
Fri Jan 20, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA questions
Replies: 3
Views: 469

Re: Roth IRA questions

I am not too familiar with withdraw penalties since I have not had the need to withdraw from my Roth IRA, but the following link may answer some of your questions: https://www.bogleheads.org/wiki/Roth_IRA It is true that there may be a bid/ask spread when buying and selling ETF shares. One way to av...
by b42
Mon Jan 16, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Investing Down Payment
Replies: 6
Views: 714

Re: Investing Down Payment

Welcome to the forums! The plan you have seems very complicated for funds may be needed within a few years. I would just keep the money in some CDs or a high-yield savings account. Some questions that would help get a better picture of your situation: 1. How much of a percentage of your portfolio is...
by b42
Thu Jan 12, 2017 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Newbie in need of help with portfolio
Replies: 6
Views: 825

Re: Newbie in need of help with portfolio

If you want to use the above strategy, a good question to ask would be "at what specific interest rate would I know to make the switch from short-term duration bonds into the total bond market index"? You could make the argument that the entire market already knows that interest rate hikes...
by b42
Wed Jan 11, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Options for parents' Social Security
Replies: 21
Views: 1778

Re: Options for parents' Social Security

A consideration that I would look into is their current overall financial situation. Are they in real need of more social security income now? If so, it makes sense to file now. Do your parents have additional funds saved up in taxable or retirement accounts (plus perhaps a pension) to draw from? I ...
by b42
Wed Jan 11, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Seeking Portfolio Review
Replies: 12
Views: 912

Re: Seeking Portfolio Review

Welcome to the forums! I would take a look at this wiki page: https://www.bogleheads.org/wiki/Getting_started Some questions: 1. Her student loan debt - What is the current interest rate and monthly payment? 2. His/Her car loan - What is the current interest rate and the monthly payment? 3. Mortgage...
by b42
Wed Jan 11, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: First time I have a FSA option
Replies: 12
Views: 627

Re: First time I have a FSA option

Flexible Spending Accounts are a great way to save on taxes if you have known or planned healthcare expenses. The $500 carryover feature is useful as well. Does your employer contribute anything to the plan for you? I would figure out what you plan to spend in 2017 for care, and add that in over the...
by b42
Wed Jan 11, 2017 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Help me decide if I should Invest or Payoff Loans?
Replies: 15
Views: 1530

Re: Help me decide if I should Invest or Payoff Loans?

Welcome to the forums! If you have the time, I'd check out this link: https://www.bogleheads.org/wiki/Getting_started My thoughts: 1. You have 40k cash earning very little in your checking account. I would figure out how much cash you would need for 6-12 months of expenses and set it aside (you can ...
by b42
Mon Jan 09, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Newbie in need of help with portfolio
Replies: 6
Views: 825

Re: Newbie in need of help with portfolio

Welcome to the forums! The paralysis by analysis is real and can definitely make it difficult to know where to start. My feeling is that it's like needing to buy new clothes and having a messy closet. It's much easier to clean out the closet first and figure out what don't need and consolidate befor...
by b42
Thu Jan 05, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Annuities
Replies: 9
Views: 819

Re: Annuities

We may need some more information about the variable annuity such as cost, specific benefit, cost of the rider, etc. in order to get a better idea of what is in place before offering an opinion.
by b42
Wed Jan 04, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 166
Views: 13161

Re: 2017 hedge fund contest

Name: The Ryzen Fund

Long:
AMD
by b42
Tue Jan 03, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Beginning to invest
Replies: 11
Views: 1134

Re: Beginning to invest

Welcome to the forums! Are you contributing to a pension plan such as TRS (Teachers Retirement System of Georgia)? http://www.trsga.com/home If this is the case, could you provide some more information about how long you have been contributing and the projected benefits (a yearly statement should ha...
by b42
Fri Dec 30, 2016 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Guidance please [need financial/tax advisor]
Replies: 4
Views: 576

Re: Guidance please [need financial/tax advisor]

Welcome to the forums! Usually a fee-only financial planner would do something like charge by the hour. The other option is usually an AUM (Asset under management) arrangement where you would pay 1% or 2% of your assets a year in exchange for the advisor taking care of everything. These setups tend ...
by b42
Thu Dec 22, 2016 11:20 am
Forum: Personal Finance (Not Investing)
Topic: I have an inheritance...please help me plan my course of action!
Replies: 13
Views: 2213

Re: I have an inheritance...please help me plan my course of action!

Welcome to the forums! The first thing to do is take a step back and make sure your financial house is in order before making any major decisions. The following link will be helpful: https://www.bogleheads.org/wiki/Managing_a_windfall It usually makes sense to move any inheritance funds to a secure ...
by b42
Fri Dec 16, 2016 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Are ETFs dangerous?
Replies: 6
Views: 937

Re: Are ETFs dangerous?

I assume you are talking about the difference between ETFs and mutual funds ? You can have an index fund that has both types of shares. You mention that you can not diversify as easily with mutual funds. What do you mean by that? Also, depending on the fund (assuming Vanguard), if you have admiral s...
by b42
Thu Dec 15, 2016 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is buying a cabin make sense (in my case)?
Replies: 30
Views: 2733

Re: Is buying a cabin make sense (in my case)?

It looks like you could afford it, but I'll echo many responses here. I'd think about renting a cabin for the first year or two to make sure buying is something you really want to do. Also, what happens if the kids lose interest and don't want to go to the cabin any more? I know a lot of this sounds...
by b42
Mon Dec 12, 2016 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Where to save money to buy a car
Replies: 13
Views: 1172

Re: Where to save money to buy a car

With your anticipated need for the funds (2-5 years), your options are limited. Stocks have too much volatility, and with interest rates being low for an extended period, you won't get much of a return in a bond fund over the short term. Something like the Vanguard Short-Term Treasury Fund (VFISX) m...
by b42
Mon Dec 12, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Where to put young kids personal savings
Replies: 13
Views: 1679

Re: Where to put young kids personal savings

My parents used to give me an allowance when I was younger (something like a few dollars a week that went up a dollar every year). Most of the money went right into a piggy bank, and since I grew up living above a bar my "bank" was a 3 foot tall display beer bottle with a slot cut into the...
by b42
Mon Dec 12, 2016 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Pay down mortgage or index invest?
Replies: 12
Views: 1353

Re: Pay down mortgage or index invest?

What is the current status of the mortgage (balance, years left, interest rate)? You are correct that paying off the mortgage guarantees a certain rate of return. But I think you are viewing this as an all or nothing approach. Why not split paying off the mortgage early and investing down the middle...

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