Search found 144 matches

by b42
Thu Feb 23, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: 5 Year Investment Advice
Replies: 4
Views: 292

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: 1302

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: 2489

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: 1404

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: 295

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: 1219

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: 1219

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: 380

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: 876

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: 1408

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: 4609

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: 572

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: 4686

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: 1317

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: 7345

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: 381

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: 453

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: 636

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: 741

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: 1710

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: 840

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: 553

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: 1439

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: 741

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: 796

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: 147
Views: 8970

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: 1090

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: 531

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: 2130

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: 889

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: 2611

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: 1114

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: 1589

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: 1285

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...
by b42
Fri Dec 09, 2016 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Financial Portfolio Review
Replies: 2
Views: 379

Re: Financial Portfolio Review

I think the overall asset allocation is reasonable. If the $20k-$30k emergency fund has worked for you in the past, I would say keep it as-is. Since this is becoming a smaller percentage of your overall portfolio (as your savings approach $1M), I don't see this as a financially imprudent move. You c...
by b42
Fri Dec 09, 2016 8:14 am
Forum: Investing - Help with Personal Investments
Topic: three-fund portfolio help: employer 401k choices
Replies: 7
Views: 865

Re: three-fund portfolio help: employer 401k choices

Welcome to the forums! What may be useful is to list all of the other investment accounts you have with funds (if there are any). Normally you want to look at your portfolio asset allocation as a whole. For instance, say your 401k had only one good option (a US stock fund). You could go 100% US stoc...
by b42
Fri Dec 09, 2016 7:54 am
Forum: Investing - Help with Personal Investments
Topic: First real situation where I know I should be doing something with my money.
Replies: 12
Views: 1396

Re: First real situation where I know I should be doing something with my money.

Another option for saving is your (and your wife's) IRA: https://www.bogleheads.org/wiki/Traditional_IRA You can each put $5,500 a year into the Traditional or Roth IRA and you have full control of the investments. In my case I use a Roth IRA since the funds grow tax-free and it complements my tax-d...
by b42
Thu Dec 08, 2016 7:59 am
Forum: Investing - Help with Personal Investments
Topic: First real situation where I know I should be doing something with my money.
Replies: 12
Views: 1396

Re: First real situation where I know I should be doing something with my money.

Welcome to the forums! Normally if you need cash within 1-3 years, it is better to keep the funds in cash or other short term securities like CDs. The one year time-frame you give isn't enough to earn a moderate return without taking much more risk, and that wouldn't be ideal if you go to withdraw t...
by b42
Thu Dec 08, 2016 7:54 am
Forum: Personal Consumer Issues
Topic: Anyone still upgrading their PC build? (Not replacing the machine)
Replies: 41
Views: 2503

Re: Anyone still upgrading their PC build? (Not replacing the machine)

I have a MacBook from 2009 and a built PC from 2008. Over the years I've swapped out the RAM to add more, and the desktop needed two new Video cards after the old ones stopped working. I have to say that swapping the mechanical system drives for SSDs made the biggest difference in usability of the o...
by b42
Mon Dec 05, 2016 11:23 am
Forum: Investing - Theory, News & General
Topic: Trying to fund retirement in late 20s.
Replies: 23
Views: 2462

Re: Trying to fund retirement in late 20s.

A few thoughts on this: The first is the 7% return assumption. This may be right, or it could end up way off since returns don't usually follow a pattern like 7 7 7 7 every year (also, how would this money be invested?). If you only get a 5% return, you are only looking at 912k. Predicting returns u...
by b42
Mon Dec 05, 2016 8:12 am
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 41
Views: 4419

Re: Sous Vide?

I have a $150 Anova, one of the older models. I use simple double lock plastic bags, and the combination works very well. The Sous Vide cooker works best with steaks. I feel much more comfortable eating steaks medium-rare since I know exactly what the temperature is and how long the food stays there...
by b42
Fri Dec 02, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: High End Routers vs Mesh Network?
Replies: 8
Views: 1690

Re: High End Routers vs Mesh Network?

Some things you may want to check first: Google some online speed tests to benchmark what your current internet speed is now. If you can, try it from different locations in the condo, and if you have the ability plug an ethernet cable (if possible from the device) directly into the router and check ...
by b42
Thu Dec 01, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: 30 Yr Treasury Bonds - Why should't I do this?
Replies: 5
Views: 650

Re: 30 Yr Treasury Bonds - Why should't I do this?

I noticed that you asked a similar question back in March 2015 but did not reply: https://www.bogleheads.org/forum/viewtopic.php?f=1&t=162202&p=2434987#p2434987 We need some more information to get a better picture of your situation. You mention $3.5M of net worth and investible assets. What...
by b42
Wed Nov 30, 2016 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 100k
Replies: 16
Views: 2387

Re: How to invest 100k

It's true that with all the advice given on this forum, what's most important is that you and your wife are comfortable with any transactions and can sleep at night with the asset allocation in your portfolio. If you have a vanguard account and buy vanguard funds (mutual funds or ETFs) you will not ...
by b42
Wed Nov 30, 2016 8:36 am
Forum: Investing - Help with Personal Investments
Topic: How to invest 100k
Replies: 16
Views: 2387

Re: How to invest 100k

Do you have more information about the "fixed 4%", is that a specific fund? The fees associated with this would be helpful as well. Depending on how this is structured, it may turn out to be a very good option. The advisor is correct in that you don't need to necessarily need to be balance...
by b42
Tue Nov 29, 2016 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 100k
Replies: 16
Views: 2387

Re: How to invest 100k

Well that's definitely a lot of funds to choose from! I do find it a bit ridiculous at times that a normal investor is supposed to look at all these funds and come up themselves with a good blend of investments. The first few look like money market funds, I would ignore them. Out of the bond funds I...
by b42
Tue Nov 29, 2016 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 100k
Replies: 16
Views: 2387

Re: How to invest 100k

I was able to find all of the fund's expense ratios on Morningstar or similar sites, and the funds listed aren't very great (comparing to Vanguard's standards) for your 403b. Most (if not all) appear to be active funds, and their costs are relatively high. An initial thought is you may forgo further...
by b42
Mon Nov 28, 2016 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 100k
Replies: 16
Views: 2387

Re: How to invest 100k

Welcome to the forums! You may want to consider both paying down the mortgage and investing at the same time rather than going all-in on one or the other. Do you have any other outstanding debt, like car loans or leases? Any student debt? Depending on the taxes, you may want to eventually consider m...
by b42
Mon Nov 21, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 4419

Re: When should I upgrade my wireless router? (RT-N56U)

Security-wise WPA/WPA2 with AES should be sufficient for the home.

What is most likely more useful is that a new router should get regular firmware updates to fix any software security flaws.

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