Search found 16 matches

by nate bricks
Tue Dec 22, 2015 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Outraged with John Hancock
Replies: 39
Views: 6419

Re: Outraged with John Hancock

Thanks, everyone, for the encouraging words, technical corrections and "get a grips". I really like the advice to just max it out, hold our noses, and wait until she leaves so we can choose a better vehicle. You might say that this 401k issue is the canary in the mine - evidence that the organizatio...
by nate bricks
Mon Dec 14, 2015 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Outraged with John Hancock
Replies: 39
Views: 6419

Re: Outraged with John Hancock

Thanks, livesoft. I hadn't considered the possibility of a loan. I'll need to look into that a bit more. I also hadn't considered a Roth IRA since it offers us a smaller tax advantage and I'm starting to have concerns about funds locked inside tax sheltered accounts preventing an early retirement. A...
by nate bricks
Mon Dec 14, 2015 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: Outraged with John Hancock
Replies: 39
Views: 6419

Outraged with John Hancock

I'm reviewing my wife's employer's 401(k) options. They are partnered with John Hancock Pensions. There is no investment option with an expense ratio (ER) less than 1.13%. That fund is their passive 500 Index Fund, JHVIT. The fund she is invested in is the passive total stock market index, JETSX, wi...
by nate bricks
Sun Oct 18, 2015 12:54 am
Forum: Investing - Theory, News & General
Topic: 2008 Market Crash, Did You See It As Opportunity?
Replies: 60
Views: 6018

Re: 2008 Market Crash, Did You See It As Oppertunity?

I saw 2009 an an opportunity. The main change that I made was I jumped on the chance to sign my wife up for an IRA and begin maxing it out (we were just married at the time). However if we saw a dip again I wouldn't do anything differently for our main retirement savings. I do have a smaller pool of...
by nate bricks
Tue Jun 16, 2015 2:26 am
Forum: Personal Consumer Issues
Topic: Comfortable shoes for work
Replies: 43
Views: 6558

Re: Comfortable shoes for work

+1 for Ecco. Also Asics' Gel Kayano was my favorite running shoe, so there might be a link there. When I used to do tech support I would literally run around in these. My favorite shoe brand ever. I wore out 2 pairs because I'd wear them through 4 seasons - and when I sent them to Ecco for repair th...
by nate bricks
Mon Jun 15, 2015 3:09 am
Forum: Personal Finance (Not Investing)
Topic: Baby on the way - can we afford to buy a house?
Replies: 18
Views: 3336

Re: Baby on the way - can we afford to buy a house?

That's a tough call. It sounds like you have your ducks in a row, so either decision would be responsible. I can't speak to the topic of children yet, but the housing market I can a little bit. The housing market is interest sensitive, and chances are very high that interest rates are headed up with...
by nate bricks
Sat Jun 13, 2015 9:53 am
Forum: Personal Finance (Not Investing)
Topic: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?
Replies: 112
Views: 17813

Re: Advice Needed - Has Anyone Chosen Work Life Balance over Extra Money?

Your situation reminds me of Andrew Tobias's spin-off on Ben Franklin's advice: "a penny saved is 2 pennies earned". I'm not surprised the top hit on Google for this quote is another Boglehead post... https://www.bogleheads.org/forum/viewtopic.php?t=91000 Others have alluded to this raise being deva...
by nate bricks
Mon Apr 27, 2015 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Feel like I made a mistake with buying a house: appreciation
Replies: 43
Views: 8236

Re: Feel like I made a mistake with buying a house: apprecia

Just a note, at least your house didn't DEPRECIATE, so consider yourself lucky. Cheers to that one! :sharebeer I consider the question of whether you should buy a home for its appreciation very similar to that of whether you should pick investments that promise to outperform the market. You might t...
by nate bricks
Mon Apr 20, 2015 2:11 pm
Forum: Investing - Theory, News & General
Topic: Marketplace Lending as an Asset Class
Replies: 6
Views: 1037

Marketplace Lending as an Asset Class

I just received an email from "Emmanuel Marot" at LendingRobot, a service to help with automatic investing at Lending Club and other P2P lending sites. FWIW I only have $25 invested in P2P lending just to test the waters. The email links to a research paper titled "How much should you invest in Mark...
by nate bricks
Tue Apr 14, 2015 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: I... must... stop... Spending!
Replies: 25
Views: 4980

Re: I... must... stop... Spending!

Question: What's your approach to balance things out with uneven cash flow? I use Capital One 360 which allows you to have up to 25 savings accounts at one time. For what it's worth I was a part of ING Direct before they became Capital One 360, and the service has been identical (great) since switc...
by nate bricks
Tue Oct 28, 2014 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: I Strayed From The Path...Forgive Me.
Replies: 34
Views: 7325

Re: I Strayed From The Path...Forgive Me.

Actually Loyal3 doesn't seem that bad as the indiscretion portion of your AA. There's a lot worse out there. That said you're probably best off dollar cost averaging your employee earnings on a monthly basis rather than using it to take a substantial position and watch in terror as your capital retu...
by nate bricks
Mon Oct 27, 2014 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do you dream about retirement?
Replies: 91
Views: 9883

Re: Do you dream about retirement?

I'm 31, and I dream about retirement in proportion to how satisfied I am with my present life. Retirement is a placeholder for a time in the future when things will be "the way they should be". Thinking excessively about retirement has been a cue for me to look around and be mindful of why I'm unhap...
by nate bricks
Fri Oct 17, 2014 9:47 am
Forum: Personal Consumer Issues
Topic: Password Safety
Replies: 1
Views: 389

Re: Password Strength and Safety

Good stuff. I've used LastPass for years and even turned my parents onto it. Not only does it help to create longer more obscure passwords (that I don't need to remember), but it also helped me to protect all of my accounts against the recent Heartbleed scare by automatically checking to see if I ha...
by nate bricks
Sat Sep 27, 2014 9:42 pm
Forum: Investing - Theory, News & General
Topic: Why does VEVFX exist? [Vanguard Explorer Value Fund]
Replies: 9
Views: 2931

Re: Why does VEVFX exist? [Vanguard Explorer Value Fund]

That's a reasonable position, although you have to acknowledge that many of active funds that have been regarded most favorably here on the forum have been "team managed" funds. A multi-manager approach can be said to offer the diversification of the team manager approach, without one of the major ...
by nate bricks
Sat Sep 27, 2014 5:31 am
Forum: Investing - Theory, News & General
Topic: Why does VEVFX exist? [Vanguard Explorer Value Fund]
Replies: 9
Views: 2931

Re: Why does VEVFX exist? [Vanguard Explorer Value Fund]

So, how would you construct an actively managed small value stock fund differently than VG has done, such that it wouldn't be a "terrible idea"? Vanguard had another blog post that addresses my original question... http://vanguardblog.com/2014/09/24/i-work-at-vanguard-and-i-own-actively-managed-fun...
by nate bricks
Fri Sep 26, 2014 1:38 pm
Forum: Investing - Theory, News & General
Topic: Why does VEVFX exist? [Vanguard Explorer Value Fund]
Replies: 9
Views: 2931

Why does VEVFX exist? [Vanguard Explorer Value Fund]

I read this feature of VEVFX today... https://personal.vanguard.com/us/insights/article/small-cap-companies-092014?SYND=RSS&Channel=AN I'm aware of VSIAX as Vanguard's low fee small-cap value fund, so I was curious to know more about VEVFX. From what I can tell it seems like a terrible idea and a st...