Search found 124 matches

by nonroom
Sun Sep 27, 2015 11:39 am
Forum: Investing - Help with Personal Investments
Topic: HSA Investing Help
Replies: 3
Views: 423

HSA Investing Help

I live in one of the 3 states where investment gains from dollars in HSA Is taxed. I am interested in vesting my money with modest risk and minimum taxes. I think currently I'm getting about 0.2% interest on my money. I think that investing in a low cost TIPS fund will not be taxable but I'm needing...
by nonroom
Sat Aug 30, 2014 8:51 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1617
Views: 290803

Re: What are you up YTD?

40% US
30% Int'l
10% REIT
15% Total Bond
5% TIPS


-All index or low expense ratio funds at Vanguard or Fidelity

XIRR says 8.0% as of this morning.
by nonroom
Tue Apr 01, 2014 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: Company offering LTC
Replies: 11
Views: 1990

Re: Company offering LTC

Well, I am not sure today's meeting was all that helpful. To try and answer some questions: -This is indeed a one time opportunity due to me being a new employee of MegaCorp. -No employer contributions -The benefit is portable. Should I leave the company, I may continue to pay premiums for the benef...
by nonroom
Mon Mar 31, 2014 7:35 pm
Forum: Personal Finance (Not Investing)
Topic: Company offering LTC
Replies: 11
Views: 1990

Company offering LTC

MegaCorp has an information meeting tomorrow about LTC insurance offered through Unum. Enrollment period starts in April. About me: -38 year old male, single, no dependents -I have 2 parents who are divorced, both age 71. Dad has remarried. Will have to check if they have LTC, From the people who we...
by nonroom
Sat Mar 15, 2014 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 5397

Re: What's a reasonable composite expense ratio?

11.9 bp blended with fidelity 401k and the rest vanguard. Still some room for improvement, I am not advantage class at fidelity nor all admiral shares with vanguard.
by nonroom
Thu Feb 06, 2014 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Dumb Tax Question about Trad IRA
Replies: 4
Views: 555

Dumb Tax Question about Trad IRA

I contributed to a traditional IRA with Vanguard in 2013. I am gathering documents for my taxes, but I'm not sure what I am suppose to get that shows I made this contribution and can make the deduction on my taxes. All vanguard has is a 1099-DIV and foreign tax paid documents. I have tried doing an ...
by nonroom
Wed Jan 08, 2014 5:35 am
Forum: Personal Finance (Not Investing)
Topic: Invest HSA Funds in a non-deductible state?
Replies: 7
Views: 659

Re: Invest HSA Funds in a non-deductible state?

Are you saying that you have to pay state income tax on your hsa contributions and then on the earnings in the hsa as well? I doubt they would tax the earnings. It seems more likely that they just don't allow the deduction. You can move your hsa funds anywhere (rollover once a year or trustee trans...
by nonroom
Tue Jan 07, 2014 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Invest HSA Funds in a non-deductible state?
Replies: 7
Views: 659

Invest HSA Funds in a non-deductible state?

I live in Alabama, where HSA’s are not a deduction on state income taxes. My HSA is through Health Equity which now only offers a line-up of high expense ratio, actively managed funds. I am still relatively healthy (age 38), so my plan is to pay cash for medical expenses, and save receipts for reimb...
by nonroom
Wed Jan 01, 2014 6:07 pm
Forum: Investing - Theory, News & General
Topic: [Poll] What was your 2013 return?
Replies: 209
Views: 13961

Re: What was your 2013 return?

18.2% off an 80% eq/20% bonds split

40% US
30% INTL
10% REIT
15% TOTAL US BOND
5% TIP
by nonroom
Tue Jan 01, 2013 5:21 pm
Forum: Investing - Theory, News & General
Topic: What was your 2012 return?
Replies: 275
Views: 25382

Re: What was your 2012 return?

13.4% for 2012, with an 80%/20% Stock/Bond AA.


Best performer: Total International Stock Market
Worse Performer: Actively managed bond fund in my 401(k)
by nonroom
Sat May 05, 2012 11:09 am
Forum: Investing - Theory, News & General
Topic: Do scientists invest scientifically?
Replies: 56
Views: 3935

Re: Do scientists invest scientifically?

The millionaire next door series of books discusses this somewhat. Off the cuff, I recall a statement that engineers and teachers were two of the most frugal professions, but engineers were one of the worst investors. Seems that engineers 'see things' in the data, patterns that don't repeat. Also, i...
by nonroom
Tue Mar 06, 2012 9:49 pm
Forum: Personal Consumer Issues
Topic: Would you replace a gas valve leaking 0-2 PPM?
Replies: 37
Views: 3230

Re: Would you replace a gas valve leaking 0-2 PPM?

The term some people are looking for is Lower Explosive Limit or LEL. Propane has an LEL of 2% concentration and Natural Gas is about 5%. 2PPM is well both those values. Assuming the value mentioned by the OP is accurate I would say it there is little chance of an explosion at that concentration.
by nonroom
Sat Feb 18, 2012 8:23 am
Forum: Investing - Theory, News & General
Topic: "Can you sum-up your investing philosophy in 10 words?"
Replies: 120
Views: 8610

Re: "Can you sum-up your investing philosophy in 10 words?"

Diversified portfolio of low correlation assets, tax-efficient, and low cost! (maybe I cheated a little)
by nonroom
Sat Feb 04, 2012 8:41 pm
Forum: Investing - Theory, News & General
Topic: What are your 403b/401k fees?
Replies: 33
Views: 3387

Re: What are your 403b/401k fees?

NAME EXPENSE %
S&P 500 INDEX 0.18%
LARGE CAP GROWTH 0.43%
LARGE CAP VALUE 0.46%
MID CAP GROWTH 0.47%
MID CAP VALUE 0.78%
SMALL CAP EQUITY 0.64%
INTERNATIONAL 0.60%
BALANCED FUND 0.52%
FIXED INCOME 0.53%
by nonroom
Wed Feb 01, 2012 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: How is your relationship with money?
Replies: 54
Views: 4714

Re: How is your relationship with money?

My relationship is poor. Basically I am afraid of not having it. Immediately out of college, the country entered a bad recession and it took me 10 months to find a 'real' job. Less than two years later I was downsized and it took more than a year to find another job. Do I save? About 50% of my gross...
by nonroom
Sat Dec 31, 2011 10:37 am
Forum: Investing - Theory, News & General
Topic: 2011 Returns Thread
Replies: 137
Views: 12791

Re: 2011 Returns Thread

Portfolio down -1.5% for they year.


Best class was Vanguard TIPS Fund
Worst was TISM

80% Stock (40% US, 30% Int'l, 10% REIT)
20% Bond (15% Inter Bnd, 5% TIPS)

May 2012 be better!
by nonroom
Sun Dec 11, 2011 9:28 am
Forum: Investing - Help with Personal Investments
Topic: How does Vanguard make money?
Replies: 46
Views: 12739

Re: How does Vanguard make money?

Can someone explain why Vanguard lowers expenses as AUM increase? The reasoning I have read is that the cost to run a fund is pretty much fixed. As new customers (and dollars) flow into the fund, those fixed costs get spread out over more and more accounts and Vanguard is able to pass along the savi...
by nonroom
Mon Nov 28, 2011 2:43 pm
Forum: Investing - Theory, News & General
Topic: How Long Can You Wait for a Bull Market?
Replies: 90
Views: 7389

Re: How Long Can You Wait for a Bull Market?

Great article Rick. Good reminder of some lessons learned (and still learning)
by nonroom
Sat Oct 15, 2011 4:43 pm
Forum: Investing - Theory, News & General
Topic: How are you doing YTD?
Replies: 68
Views: 4825

40% US, 30% Int'l, 10% REIT, 15% TBM/Intermediate Bnds, 5% TIPS.

-3.1%
by nonroom
Fri Jul 15, 2011 11:51 am
Forum: Investing - Theory, News & General
Topic: Don't you wish Vanguard would....
Replies: 101
Views: 13466

Make an all world all cap balanced fund.
by nonroom
Thu Jun 02, 2011 8:32 pm
Forum: Investing - Theory, News & General
Topic: why would i invest in anything at this point?
Replies: 94
Views: 9864

Warren Buffet has said one of the best years he ever had in the stock market was during a recession in the late 1950s.
by nonroom
Thu May 19, 2011 4:51 pm
Forum: Personal Consumer Issues
Topic: Boglehead Hamburgers: Wendy's vs McDonalds
Replies: 107
Views: 10835

Tough to beat McD All American Meal - hamburger, fries, drink and apple pie for $3.26 including tax.


Wendy's double stack is also an excellent deal.

The Wendy's in my area is poorly run and is not very clean. I prefer McD for this reason.
by nonroom
Wed Mar 23, 2011 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: What % equity in your home have you reached at age X
Replies: 90
Views: 9768

21% 35 140k
by nonroom
Sat Feb 19, 2011 12:12 pm
Forum: Personal Consumer Issues
Topic: "Where were" you on March 9, 2009?
Replies: 91
Views: 9058

I wish I could say it was due to my insight into the stockmarket.... On March 9th, I made my initial $3k purchase of FTSE AW XUS. I remember thinking the market was down over 50% and figured even if it continued to drop another 20%, I would still be getting a great bargain. Later on in March I also ...
by nonroom
Sat Jan 01, 2011 4:51 pm
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 35614

1396.40
by nonroom
Sat Jan 01, 2011 9:26 am
Forum: Investing - Theory, News & General
Topic: 2010 Annual Returns Thread
Replies: 104
Views: 14257

80% Stocks/20% Bonds
45% Domestic (5% tilt to SCV)
30% Int'l (5% tilt to SCV)
5% REIT
15% Inter Term Bond
5% Tips

XIRR 2010 = 13%
Best: REIT
Worst: Actively managed bond fund in my 401(k)
by nonroom
Sat Dec 18, 2010 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Survey: Please list your financial "stats"
Replies: 36
Views: 5767

Re: Survey: Please list your financial "stats"

35 year old single, no dependents ------------------------------------------------------------------------------ X = Gross Annual Income (excluding taxes) 0.37 X = Total Annual Savings 0.31 X = Annual Savings to Tax Deferred Accounts 0.06 X = Annual Savings to Taxable Accounts 2.0 X = Investment Ass...
by nonroom
Tue Nov 23, 2010 7:12 am
Forum: Investing - Theory, News & General
Topic: [POLL] Who's switching from VFWIX to VGTSX?
Replies: 62
Views: 9838

My asset allocation calls for some additional monies to be put in International in 2011. As I happened to make a big purchase (for me) of FTSE in March of 2009, I have a large capital gain and will probably continue to own the fund for years to come. I have stopped making automatic contributions. On...
by nonroom
Sun Nov 14, 2010 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Investment "advice" overheard today
Replies: 85
Views: 10100

I am currently away from home and my books, but I believe there may be a study that address the point. In one of Mr. Bogle's books (I believe), he discusses a study done by two academics. Going by memory, they obtained some data on several thousand stock trades and reported the poor performance of i...
by nonroom
Sun Nov 07, 2010 8:29 am
Forum: Investing - Theory, News & General
Topic: Poll: How many trades did you have in October 2010?
Replies: 73
Views: 5750

I selected 5.

2 401(k) contributions into 2 funds - 4 "trades"

One dividend reinvestment - 1 "trade"
by nonroom
Sat Oct 16, 2010 10:49 am
Forum: Personal Finance (Not Investing)
Topic: When is (Part of) a Portfolio Too Small to Key Track Of?
Replies: 10
Views: 1550

I am in this exact situation. I have a small portion of a retirement account that is tied to a company profit sharing plan. The vested portion cannot be rolled until I reach age 59.5 My answer to the poll is a hybrid of option 3 & 4. I put into an S&P500 Index Fund rather than fixed income a...
by nonroom
Sat Aug 14, 2010 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Just opted out of CITI card "upgrade" to World Pay
Replies: 44
Views: 8655

So is there any future for the Dividend Card? Are we going to be forced to change to something else as these cards expire?
by nonroom
Thu Aug 12, 2010 6:05 am
Forum: Personal Finance (Not Investing)
Topic: Just opted out of CITI card "upgrade" to World Pay
Replies: 44
Views: 8655

For those that opted out, how long did it take for them to change your card (on line) back to the dividend card? I called Monday and opted out, but my account this Thursday morning is still showing the World Pay Card. I also asked for a confirmation email of this activity which I have not gotten yet.
by nonroom
Sat Apr 24, 2010 8:58 pm
Forum: Investing - Theory, News & General
Topic: Do Emerging Markets have a 7% return premium over EAFE?
Replies: 26
Views: 4023

Food for thought from Larry: m Quote: As London School of Business professor Elroy Dimson notes: “People have hopelessly got the wrong end of the story.” Based on decades of data from 53 countries, Dimson found that economies with the highest growth produce the lowest stock returns. Stocks in countr...
by nonroom
Fri Mar 26, 2010 5:01 am
Forum: Investing - Theory, News & General
Topic: Market Timing Quotes
Replies: 15
Views: 4048

I would have to look it up, but I think Peter Lynch said something about when he looked at a list of World's Richest People, he never saw anybody on there who made their fortune with market timing which if actually worked, you could make a fortune very quickly.
by nonroom
Sat Feb 20, 2010 8:47 pm
Forum: Personal Consumer Issues
Topic: Major in EE or Computer Engineering?
Replies: 54
Views: 6837

I would go EE. Gives more possibilities for a job down the road. If your child really wants to get into the computer eng side of things, they can go back and get a masters in CE.
by nonroom
Thu Feb 04, 2010 8:48 pm
Forum: Personal Consumer Issues
Topic: Question on Bogle
Replies: 2
Views: 700

Question on Bogle

I regularly see cited that Jack Bogle "Named one of the investment industry’s four "Giants of the 20th Century" by Fortune magazine in 1999 "

Just out of curiosity, who were the other 3? I have searched on-line and cannot find this information anymore.
by nonroom
Sat Jan 09, 2010 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of domestic stock index fund do you use?
Replies: 48
Views: 7143

500 in my 401(k)
TSM in taxable
SCV in roth
by nonroom
Sun Jan 03, 2010 8:13 pm
Forum: Investing - Theory, News & General
Topic: 2009 annual returns thread
Replies: 104
Views: 16061

2008 =-33.7%
2009 = 38.7%
by nonroom
Sat Jan 02, 2010 12:28 pm
Forum: Personal Consumer Issues
Topic: Lousy bosses
Replies: 56
Views: 7661

I probably do not have as much work experience as some of this board so my comments may not mean much. Maybe it was the companies I worked for or maybe it was the timing, but most of my bosses I have worked for were in an era of 'Doing less with more.' They personally had so much work and responsibi...
by nonroom
Fri Jan 01, 2010 12:20 pm
Forum: Personal Consumer Issues
Topic: 2010 BOGLEHEAD CONTEST REGISTRATION
Replies: 284
Views: 31588

1340.3
by nonroom
Fri Jan 01, 2010 9:10 am
Forum: Investing - Theory, News & General
Topic: 2009 annual returns thread
Replies: 104
Views: 16061

Happy New Year! May all your asset classes be good ones in the coming year. XIRR for 2009 was 38.6%. Best class was FTSE All-World EX US with 96.7%. I made a lump sum purchase the 1st week in March. Got real real lucky as that was near the bottom. Doubtful I could do it again. Worst class was IT bon...
by nonroom
Wed Dec 30, 2009 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating true 401(k) expenses from 5500 Form
Replies: 5
Views: 1028

Just a bump for the day crowd, seeing if there are any other thoughts or opinions.
by nonroom
Wed Dec 30, 2009 9:19 am
Forum: Personal Finance (Not Investing)
Topic: roth contribution timing question
Replies: 12
Views: 1964

The soonest your contribution would be executed in January 4th - the 1st day the market is open in 2010. You can make your election on January 1st, but I don't believe it would execute until the 4th.