Search found 14461 matches

by ruralavalon
Fri Jan 18, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4044
Views: 1101411

Re: What Movie Have You Recently Watched?

Monky Business on Turner Classic Movie channel.

The movie stars Cary Grant and Giner Rogers in a nice comedy. A scientist tries to develop a youth restoring potion, tries it out himself and his wife then tries as well.
by ruralavalon
Fri Jan 18, 2019 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Help Request - Windfall
Replies: 11
Views: 1299

Re: Investment Help Request - Windfall

I think that getting the money invested sooner (not waiting 15 years) sounds better, but it would help to look at the actual numbers. After you subtract a sum from the six figure settlement an amount to use for medical expenses and for a home down payment, how about much total is left to invest in ...
by ruralavalon
Fri Jan 18, 2019 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options are bad...options?
Replies: 11
Views: 430

Re: Wife's 401k investment options are bad...options?

Looking for some insight into where I should be putting additional retirement funds. Currently I am maxing out my 403b with TIAA with a modified 3 fund portfolio(TIAA traditional instead of bonds) using low ER vanguard funds. I am also maxing out my backdoor Roths for my with and I at Schwab and ou...
by ruralavalon
Fri Jan 18, 2019 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Investment Help Request - Windfall
Replies: 11
Views: 1299

Re: Investment Help Request - Windfall

I have picked up the Bogleheads Guide To Investing and am reading through it. This is a problem I am lucky to have, but one of the things I am stressing about most is the excess of money that will be taxable. In theory I could follow the model of maxing out 401k/IRA contributions and supplementing ...
by ruralavalon
Fri Jan 18, 2019 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard options for Roth IRA
Replies: 9
Views: 958

Re: Vanguard options for Roth IRA

Hey, all - I'm planning on opening Roth IRAs for my wife and I, so 2 accounts. We'd like the total funds to be fairly aggressive at this time (ages 32/29). I'm going through the options today, but figured I would ask here, too! Thanks! At ages 20 and 32 I suggest around 20% in bonds or other fixed ...
by ruralavalon
Thu Jan 17, 2019 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard options for Roth IRA
Replies: 9
Views: 958

Re: Vanguard options for Roth IRA

Hey, all - I'm planning on opening Roth IRAs for my wife and I, so 2 accounts. We'd like the total funds to be fairly aggressive at this time (ages 32/29). I'm going through the options today, but figured I would ask here, too! Thanks! At ages 20 and 32 I suggest around 20% in bonds or other fixed ...
by ruralavalon
Thu Jan 17, 2019 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie needing some advice - which other Vanguard funds
Replies: 10
Views: 707

Re: Newbie needing some advice - which other Vanguard funds

Welcome to the forum :) . In selecting funds to use strive for a combination of both broad diversification (to decrease risk) and low expense ratios (to increase net return). Hi, To start it off, please forgive me if this is a stupid question or topic . Am new to this whole investment scheme and try...
by ruralavalon
Thu Jan 17, 2019 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation
Replies: 15
Views: 1279

Re: Bond Allocation

At the ages of 31 and 36, a 20% bond allocation is within the range of what is reasonable in my opinion.

In my opinion it's fine to have the entire bond allocation in the G Fund.
by ruralavalon
Thu Jan 17, 2019 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Investment Allocations in Brokerage vs. Retirement Accounts
Replies: 8
Views: 640

Re: Investment Allocations in Brokerage vs. Retirement Accounts

Welcome to the forum :) . Hello Everyone, This is my first post so I apologize if it is in the wrong place. I am starting to take the reins on my financial future and have started to be more active with my investments and I have a question about what investments make the most sense in which type of ...
by ruralavalon
Thu Jan 17, 2019 10:48 am
Forum: Investing - Theory, News & General
Topic: The Worth Of A Man: A Tribute To John C. Bogle
Replies: 42
Views: 4729

Re: The Worth Of A Man: A Tribute To John C. Bogle

A Bogleheads tribute to Mr. Bogle now on Forbes.com The Worth Of A Man: A Tribute To John C. Bogle Rick Ferri Very nice tribute, thanks Rick. A wall of tributes to Mr Bogle on bloomberg.com: https://www.bloomberg.com/news/articles/2019-01-17/-patron-saint-of-the-investing-business-remembering-jack-...
by ruralavalon
Thu Jan 17, 2019 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Investment Help Request - Windfall
Replies: 11
Views: 1299

Re: Investment Help Request - Windfall

Thank you for the advice Ruralavalon. I have added two URL's two my original post. The first is the annual fee disclosure. It shows just a $50 fee a year for the SDBA and has a breakdown of all the options outside of the SDBA on the last few pages. The second link shows the transaction fees for the...
by ruralavalon
Wed Jan 16, 2019 7:11 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3522
Views: 1033916

Re: What Book Are You Currently Reading? Part VI

Blackwater Sound, by James W. Hall.

A loner from Key Largo out fishing on Blackwater Sound observes an airliner crash, rescues some survivors, and pursues those responsible.
by ruralavalon
Wed Jan 16, 2019 7:04 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 828
Views: 41094

Re: RIP JACK BOGLE

Bhairston2018 wrote:
Wed Jan 16, 2019 7:00 pm
Just read the news this is really sad. Long live Bogleheads
This is sad news indeed.

There is a short article on Morningstar.
by ruralavalon
Wed Jan 16, 2019 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Help Request - Windfall
Replies: 11
Views: 1299

Re: Investment Help Request - Windfall

Welcome to the forum :) . I hope that your medical issues resolve favorably and soon. It's good to see that you are debt free, and interested in using low expense index funds. I have asked a few questions. Please add any additional information to your original post using the edit button (the pencil ...
by ruralavalon
Wed Jan 16, 2019 11:27 am
Forum: Investing - Help with Personal Investments
Topic: When to use Roth 401k
Replies: 18
Views: 1310

Re: When to use Roth 401k

For most people traditional 401k contributions are likely better. The tax code is progressive, with higher tax rates for higher income. Retirement usually means the end of earned income, so most people will have lower income during retirement and will be in a lower tax bracket during retirement. So ...
by ruralavalon
Wed Jan 16, 2019 8:43 am
Forum: Investing - Help with Personal Investments
Topic: When to use Roth 401k
Replies: 18
Views: 1310

Re: When to use Roth 401k

I'm wondering if there is a general consensus as to when it makes sense to put some or all of one's 401(k) deferrals into the Roth side of the account. I max out my 401k and use a backdoor Roth. Wife does as well, and we are hoping to save 30kish a year beyond that for the foreseeable future. Our c...
by ruralavalon
Tue Jan 15, 2019 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Vanguard or Blackrock??
Replies: 16
Views: 1052

Re: Portfolio Question - Vanguard or Blackrock??

Hi all, just wanted to as the Boglehead community about their opinion on some 401k fund choices. My employer switched funds this year and I need to choose by end of the week. Goal is to try to mimic the Total Market. For Option 2, I'm not worried about not having any international as I can offset t...
by ruralavalon
Tue Jan 15, 2019 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Please Point me Where to Look For an Advisor for My Mother:
Replies: 14
Views: 947

Re: Please Point me Where to Look For an Advisor for My Mother:

Avoid Edward Jones like the plague. In the previous thread I suggested the Garrett Planning Network (https://www.garrettplanningnetwork.com), have you looked into that? + 1, this is a good place to start looking Also try this site https://www.napfa.org. Harry Sit, who sometimes posts here, offers a ...
by ruralavalon
Tue Jan 15, 2019 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11139

Re: Biggest Investment Mistake

Not starting sooner seems to be a common thread here but remember what it was like in your 20s? There was barely any money left over after expenses and retirement seemed sooooo far away... We had 3 of our 4 children in our 20s, and bought a house, so had little extra to put toward anything long-ter...
by ruralavalon
Mon Jan 14, 2019 11:36 am
Forum: Investing - Help with Personal Investments
Topic: 2019 Investing
Replies: 3
Views: 423

Re: 2019 Investing

Welcome to the forum :) . Hey all, I'm new to investing. I've tried the boutique investment strategy with a financial adviser only to lose more money with their administrative costs. Yes, I have a little under 50 grand to invest. I am a new Vanguard member and my money is in the general money market...
by ruralavalon
Mon Jan 14, 2019 11:23 am
Forum: Investing - Help with Personal Investments
Topic: One book for my neice, a young mom.
Replies: 20
Views: 1186

Re: One book for my neice, a young mom.

My niece: a/34, married, f/t mother & RN, three children, husband employed 75K w/benefits. Recently purchased their home and now asks for investment advice. I've conveyed the principles of this forum and I would like to provide one simple book. I would appreciate your suggestions of such a book, wr...
by ruralavalon
Mon Jan 14, 2019 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Newbie. Retirement Investing plan below good?
Replies: 2
Views: 228

Re: Newbie. Retirement Investing plan below good?

Welcome to the forum :) . It's good to see that you are debt free, with all student debt paid off, have an emergency fund, and can invest $24k annually toward retirement. Maintaining that high savings rate is the most important thing you can do at this point. folks, I am new to bogleheads & new to i...
by ruralavalon
Mon Jan 14, 2019 9:44 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2278
Views: 398708

Re: What are you up YTD? [Year To Date]

Age 73, retired, 50/50 asset allocation.

The total return of our portfolio is up 2.46% year to date, per Morningstar Portfolio Manager.

The best fund so far is Vanguard Small-cap Value Index Fund Admiral Shares (VSIAX), it's total return is up 6.75% year to date.
by ruralavalon
Mon Jan 14, 2019 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Short-term bond allocation
Replies: 8
Views: 644

Re: Short-term bond allocation

shavenyak wrote:
Sun Jan 13, 2019 7:07 pm
Thanks to everyone who answered.

Livesoft, thank you for providing the wealth of linked info. What do I think after reading that thread twice? I'll be in no rush to make any changes to my bond allocation.
That is a good "move".
by ruralavalon
Mon Jan 14, 2019 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11139

Re: Biggest Investment Mistake

jb1 wrote:
Sun Jan 13, 2019 10:51 pm
Not starting earlier. Im 28 now, have 25k in roth, 80k in taxable. Wish I started when I was 20.. Instead I bought a used (thankfully) 350z. Had I invested that I couldve gotten a GTR now.
You did start young, a used 350z sounds nice, $105k at age 28 is very good.
by ruralavalon
Sun Jan 13, 2019 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Investment options
Replies: 10
Views: 671

Re: 401k Investment options

Welcome to the forum :) . There are some excellent funds offered in your 401k, and that's a very good employer contribution. You are fortunate. Asset allocation. At age 33/34 a 20% bond allocation is within the range of what is reasonable in my opinion. I suggest around 20-30% of stocks in internati...
by ruralavalon
Sun Jan 13, 2019 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Short-term bond allocation
Replies: 8
Views: 644

Re: Short-term bond allocation

I heard Jane Bryant Quinn (JBQ) recommend that your bond allocation should be divided between high quality short-term and intermediate-term bond funds. Fwiw, all of my bond allocation (the 40% of 60/40) is in BND (Vanguard Total Bond Market ETF/purchased latter half of 2018). I was wondering if I s...
by ruralavalon
Sun Jan 13, 2019 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Tax efficient short-term investing
Replies: 3
Views: 479

Re: Tax efficient short-term investing

Welcome to the forum :) . What is your tax bracket, both federal and state? What State do you pay any State income taxes to? What is the intended purpose for the "2-3 years' expenses" in cash? You can simply add this to your original post using the edit button (the pencil icon near the upper right c...
by ruralavalon
Sun Jan 13, 2019 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Zero Funds
Replies: 33
Views: 1926

Re: Fidelity Zero Funds

Are Fidelity Zero Funds any good? Do they track the same or different indexes as their similarly named index funds? The new Fidelity ZERO funds track different indexes than their similarly named Fidelity Funds. We won't know for sure if the differences are significant until we have some performance...
by ruralavalon
Sun Jan 13, 2019 11:59 am
Forum: Investing - Help with Personal Investments
Topic: VMMXX - [Vanguard Prime Money Market Fund vs. online bank]
Replies: 10
Views: 1846

Re: VMMXX - [Vanguard Prime Money Market Fund vs. online bank]

I was thinking of parking my emergency savings and money I am trying to decide which VG funds to invest in in VMMXX instead of an online bank like Synchrony/CapOne/Ally. The amount is about 100 to 150k. Does this approach seem reasonable? Yes that is reasonable. Also, can one readily access and tra...
by ruralavalon
Sun Jan 13, 2019 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 74
Views: 6715

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

One cannot logically subscribe to the theory of indexing domestically but not globally without being self-contradictory. My thoughts exactly. I am an engineer and I apply engineering logic also in my financial decisions. :D In investing sometimes actual observed facts and logical consistency lead t...
by ruralavalon
Sun Jan 13, 2019 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio HELP - time to stop the bleeding from AUM fee
Replies: 34
Views: 2368

Re: Portfolio HELP - time to stop the bleeding from AUM fee

I agree with retiredjg's post. As mentioned before you could consider keeping the three Vanguard tax-managed funds. If you donate to charity, then you could consider donating appreciated shares of some of the other funds instead of donating cash. Please see the wiki article "Donating Appreciated Sec...
by ruralavalon
Sat Jan 12, 2019 4:10 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3522
Views: 1033916

Re: What Book Are You Currently Reading? Part VI

Squirm, by Carl Hiaasen.

A 14year old Florida boy who likes snakes in particular and wild animals in general, connects with his long-absent father, and . . . . (I don't want to spoil the book for anyone).

I recommend this book.
by ruralavalon
Sat Jan 12, 2019 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 74
Views: 6715

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

One cannot logically subscribe to the theory of indexing domestically but not globally without being self-contradictory. My thoughts exactly. I am an engineer and I apply engineering logic also in my financial decisions. :D In investing sometimes actual observed facts and logical consistency lead t...
by ruralavalon
Sat Jan 12, 2019 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: where to put teen's initial $1k?
Replies: 9
Views: 698

Re: where to put teen's initial $1k?

My teen has been saving on a small scale for a while but was just given a lump sum gift by a generous relative and we thought it would be a good occasion to sit down and talk about the benefits of long-term investing in the stock market. I thought I'd ask what advice others have on this idea, both ...
by ruralavalon
Sat Jan 12, 2019 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio HELP - time to stop the bleeding from AUM fee
Replies: 34
Views: 2368

Re: Portfolio HELP - time to stop the bleeding from AUM fee

Welcome to the forum :) . It's good to see that you are debt free, and interested in low expense index investing using the very diversified three-fund portfolio. We've recently been fortunate to be referred to the Bogleheads site by a friend. For the past 10 years we've relied on a financial planner...
by ruralavalon
Sat Jan 12, 2019 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: We Made It ! now need a little help
Replies: 9
Views: 2339

Re: We Made It ! now need a little help

Congratulations on your retirement :) . We are now RETIRED (husband and wife). Been a long time coming, but we are there. Now I would like a little help / ideas on a 401k rollover that is in process. $ 556,000 will soon be deposited in a Fidelity IRA. Am considering FSKAX Total Market, and maybe FXN...
by ruralavalon
Sat Jan 12, 2019 11:05 am
Forum: Investing - Help with Personal Investments
Topic: TSP vs IRA priority help
Replies: 21
Views: 1419

Re: TSP vs IRA priority help

I'm a beginner investor looking for some advice starting out. I just finished The Bogleheads Guide to Investing, and I'm curious about how a TSP factors into the equation. I'm active duty military with 7 years in service. I have a Roth TSP which I am nearly maxing out annually. I now have extra fun...
by ruralavalon
Sat Jan 12, 2019 10:59 am
Forum: Investing - Help with Personal Investments
Topic: E-Trade or Charles Schwab
Replies: 14
Views: 661

Re: E-Trade or Charles Schwab

Why do you prefer to have separate companies handling these accounts? I have had an account with T Rowe Price for many years, but I have finally had enough. (poor customer service, wrong information, slow response time, etc) I plan to move my TRP accounts soon. Any thoughts on which is better, i.e. ...
by ruralavalon
Sat Jan 12, 2019 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11139

Re: Biggest Investment Mistake

WhiteMaxima wrote:
Fri Jan 11, 2019 4:11 pm
saving too much, living poor life and dying rich.
But you're not dead yet :) , so go ahead spend away :D .
by ruralavalon
Sat Jan 12, 2019 10:44 am
Forum: Investing - Help with Personal Investments
Topic: New Member: Need Advice
Replies: 7
Views: 366

Re: New Member: Need Advice

Welcome to the forum. Congratulations on being debt free, that's great :) . Thank you so much for the responses. And yes right now the student loans is the only outstanding debt. The general consensus I get is to completely max out the 401k plan especially since I live in a high income state (NJ). T...
by ruralavalon
Sat Jan 12, 2019 10:33 am
Forum: Investing - Help with Personal Investments
Topic: where to put teen's initial $1k?
Replies: 9
Views: 698

Re: where to put teen's initial $1k?

My teen has been saving on a small scale for a while but was just given a lump sum gift by a generous relative and we thought it would be a good occasion to sit down and talk about the benefits of long-term investing in the stock market. I thought I'd ask what advice others have on this idea, both ...
by ruralavalon
Sat Jan 12, 2019 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 74
Views: 6715

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

Hello folks, I read an article where vanguard recommends investors to increase their international (non-US) holdings to 40% as it appears below in the Bloomberg article. https://www.bloomberg.com/news/articles/2019-01-11/vanguard-recommends-investors-increase-non-u-s-holdings-to-40 What are your th...
by ruralavalon
Sat Jan 12, 2019 10:24 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 578
Views: 69252

Re: Post your Financial Milestone Announcements Here

Moneta wrote:
Fri Jan 11, 2019 7:18 pm
I just paid off my student loans today! It's been almost 15 years, and I'm finally free!

And I'm going to max out my 2019 Roth IRA all in January, freeing up cash flow over the next 11 months!
Congratulations on paying off the student debt :D , and filling your IRA :) .
by ruralavalon
Sat Jan 12, 2019 9:12 am
Forum: Investing - Help with Personal Investments
Topic: CD at 2.70 APR - 1, 2 or 3 years?
Replies: 21
Views: 2563

Re: CD at 2.70 APR - 1, 2 or 3 years?

I am continuing to hold my intermediate-term bond funds and CDs for now, which hedges the reinvestment risk somewhat. Which bond fund do you use Kevin? I have some IRA CD maturing and will re-invest some in bond fund. I also want to avoid mortgage backed bonds in TBM. I am not Kevin. I use Vanguard...
by ruralavalon
Sat Jan 12, 2019 8:29 am
Forum: Investing - Help with Personal Investments
Topic: cash
Replies: 13
Views: 1518

Re: cash

It's great to see that you are debt free, with your mortgage note paid off. What is your tax bracket, both federal and state? What State do you pay any State income taxes to? Thanks all! Honestly, I don't need the cash for anything. I have zero debt and I own my home. I guess the point of the $250,0...
by ruralavalon
Sat Jan 12, 2019 8:12 am
Forum: Investing - Help with Personal Investments
Topic: American Funds (No Loads) vs Vanguard Index Funds
Replies: 30
Views: 2146

Re: American Funds (No Loads) vs Vanguard Index Funds

All, I want to thank you all for your replies. I took the time to read all of them and appreciate the insights, and I have taken several hours today to think everything over (and review other forum threads). I have made the decision to transfer my Roth IRA to Vanguard as I completely agree with you...
by ruralavalon
Fri Jan 11, 2019 3:05 pm
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 578
Views: 69252

Re: Post your Financial Milestone Announcements Here

Milestone reached for us this week: We wired the final college tuition bill to the graduate school today. We have had two children go through undergraduate and graduate school degrees at four universities from the fall semester 2011 to this final spring semester 2019. 8 years of paying tuition betw...
by ruralavalon
Fri Jan 11, 2019 2:59 pm
Forum: Investing - Help with Personal Investments
Topic: CD at 2.70 APR - 1, 2 or 3 years?
Replies: 21
Views: 2563

Re: CD at 2.70 APR - 1, 2 or 3 years?

I am continuing to hold my intermediate-term bond funds and CDs for now, which hedges the reinvestment risk somewhat. Which bond fund do you use Kevin? I have some IRA CD maturing and will re-invest some in bond fund. I also want to avoid mortgage backed bonds in TBM. I am not Kevin. I use Vanguard...