Bogleheads.org

amateurnovice

[Thread merged into here, see below. --admin LadyGeek]

Is the Vanguard website down? I can access through my iPhone app but not their website. Anyone else having trouble with it?

amateurnovice

Lots of Bogleheads do that thing where they pretend not to be able to look up a ticker symbol by opening a new tab and taking all of 3 seconds, so I think you might've known and just pretended not to know. I think that it is best to avoid using acronyms and ticker symbols when posting. One person c...

amateurnovice

Can talking about a "correction" be considered as taboo as talking about economic policy and politics? It's basically in the same league - conjecture, meant to rile up, etc.

amateurnovice

Criteria: - Street price under $30k - Reliable - Fun driving dynamics (please no Corolla/Prius-type recommendations) - Support for Android Auto/Apple Carplay (either available now, or coming soon) - Can be new or used, but nothing over 3 years old What do you recommend? Subaru with a 5 or 6 speed. ...

amateurnovice

We are considering divorcing strictly for financial benefit and not because of a change in our personal relationship. Frankly, we’re tired of paying four digits more in tax every year just to be married. We know the perk we’re after, but we’re just now beginning to look into the potential cons of a...

amateurnovice

The Witch (2015) Anya Taylor-Joy, Kate Dickie, Ralph Ineson. A New England folktale. Horror. Decent horror. 4.5/5 Thororoughbreds (2018) Olivia Cooke, Anya Taylor-Joy, Anton Yelchin (his last film before he died in 2016). Thriller. Kinda boring but stylish. 3.5/5 Star Wars: The Last Jedi (2017) Up t...

amateurnovice

Yeah, don't buy an index fund.

amateurnovice

If you need to have that face-to-face, or if this is for a relative or just in case something happens to you, then you should maybe call your state securities agency or division to see what state registered entities there are. You may be able to find some by googling ("state name" "in...

amateurnovice

This is minor but I don't see the point in holding both VFIAX and VTSAX in the same account or even in the same portfolio.

Extra exposure to large caps is all you get by holding both. Drop VFIAX and add a total international fund and total bond fund.

amateurnovice

I would try to downsize some things and change life to live within means of that income plus your savings and life insurance proceeds for the next thirty to sixty years. Getting a plan of how you want to live and what that will cost should come before investing any of it.

amateurnovice

I've dealt with an EJ advisor. He wasn't such a bad guy but he could sell. Put my mother and my father in some balanced mutual funds with front load fees. They've managed to make back those fees under the market the last year, but barely. She used him because he was a frat brother of some of her for...

amateurnovice

fabdog wrote: ↑Sat May 05, 2018 6:54 pm In order to keep things clean in case you ever need to roll that money anywhere else, you may want to open a separate Rollover IRa to hold those funds, vs your current contributory IRA

Mike

What do you mean by "keep things clean in case ...."?

amateurnovice

retiredjg wrote: ↑Sat May 05, 2018 5:46 pm Yes. If it is eligible to be rolled into a traditional IRA, the maxing of your IRA part is not relevant.

Thank you, I'm stoked about that.

amateurnovice

A rollover does not affect contributions. And vice versa. I suppose (don't know for sure) you can roll to either IRA, but if you roll to Roth IRA, taxes will be due on the entire amount at your marginal tax rate. Probably not a great idea in most cases. Ok, so I should be able to roll it over to my...

amateurnovice

Lots of Bogleheads do that thing where they pretend not to be able to look up a ticker symbol by opening a new tab and taking all of 3 seconds, so I think you might've known and just pretended not to know. I think that it is best to avoid using acronyms and ticker symbols when posting. One person c...

amateurnovice

I've recently quit a state government job and I will be taking the refund of my pension. I have both a traditional IRA and Roth IRA with Vanguard. I've already maxed for 2018. Can I still roll over the pension funds since they were tax deferred into either of those IRAs?

amateurnovice

Based on a 1.4% drop in the first 2.5 hours of Thursday? From the end of January high of 26,616.71 to right now's 23,584.26 is a bit more than 1.4% Joe. Back napkin match approaching 12%. You don't specify what that number means, but I guess it might be the Dow Jones Industrial Average index number...

amateurnovice

Insurance products are simply additional ways for them to make money. If you don't need it, don't buy it. If you're interested, take a brochure and read up on how it will benefit you. It's only a red flag if they pitch it in front of their investment advice or make it a priority for your portfolio a...

amateurnovice

Three Billboards Outside Ebbing, Missouri (2017). Frances McDormand, Sam Rockwell, Woody Harrelson. 3.5/5

Lady Bird (2017). Saoirse Ronan, Laurie Metcalf. 5/5

amateurnovice

The only reason I can think to have one is if certain criteria for the client are met and the client is the one to decide on those criteria. I think that being a high net worth or ultra high net worth investor and relatively unsophisticated would be part of that criteria. Secondly, if you have a spo...

amateurnovice

To me, DCA is to investing what modern monetary theory is to economics. It's just another way to describe the how of the system rather than the effects of using the system while posing itself as an explanation of the system (or even being misunderstood as a means to describe the effects of the syste...

amateurnovice

Google Finance :happy I liked it better before the update. Charts showed dividends, funds had blurbs about what was in them, I'm not sure why they decided this change was better or even necessary. It made it more like a social media platform but instead of connecting with people you connect with pr...

amateurnovice

hello bogleheads, I'm looking for some recommendations on a good used car/suv with under 100,000 mi. with excellent mpg & excellent track record mechanically for around $10,000 or less....bill 2010 - 2014 Honda CRV, Toyota RAV-4, Subaru Forester, Accord, Civic, Corolla, Outback, Camry, Impreza

amateurnovice

Hell or High Water (2016). Ben Foster, Chris Pine, Jeff Bridges. Two brothers rob banks to pay a lien on their ranch from the same bank they're robbing. Great performances by Foster and Bridges. Gripping, well-written, great cinematography of the barren flat Texas landscape. By the same writer of Si...

amateurnovice

Series 65 isn't a FINRA exam. It's a state law exam that allows someone to register an RIA/IAR and offer investment advice. I don't think that is exactly on point. According to FINRA it is a FINRA exam. Also, are you confusing the Series 65 "Uniform Registered Investment Adviser Law Exam"...

amateurnovice

A CFP is just another certification that lets someone offer investment advice, same as a Series 65. No. The Series 65 is offered by FINRA and is a regulatory requirement to offer certain services to the public. Nothing requires you to get a CFP. It is more akin to a MBA. It is a stamp of certain le...

amateurnovice

A CFP is just another certification that lets someone offer investment advice, same as a Series 65. Allows them to open their own registered investment adviser and/or be an investment adviser representative of an RIA and a) offer financial planning advice or b) offer asset management. Some are good ...

amateurnovice

I knew of a finance major who landed a job at an insurance company which didn't require the degree. It was in sales. He lasted a few months before quitting, going back to get a BS in chemistry, and going to pharmacy school. He wanted the money, but he didn't have the sales gene. Investment Advisers,...

amateurnovice

Dunkirk: Unlike the majority, I thought it was terrible. To me this "stream of consciousness" approach is just too pretentious. Tell the story, dammit, and don't waste my time trying to impress me with how good you are at confounding time and intermixing points of view. My younger relativ...

amateurnovice

I work in the securities regulation industry and work closely with a fellow who has a BA in philosophy and a J.D. He did private law work in divorce and family law before going into securities. There was a learning curve for him regarding products, suitability, and the differences of agents vs. advi...

amateurnovice

ETadvisor wrote:Gone Baby Gone - climatic ending that is very debatable

What?

amateurnovice

My Synchrony Bank savings is currently 1.2%. Better than a CD because you can always add to it periodically. Dump in the lump sum and keep contributing. I've used Ally as well in the past but I find Synchrony stays ahead on rates. Rather use a savings account than a CD any day, especially if the sav...

amateurnovice

Flat fee (negotiated and charged per contract) vs. % of AUM is usually how they charge, but I've mostly seen % of AUM usually with smaller % on more AUM to entice them over as there will be more small accounts with the larger fee (about 1.5 to 2%) average. I think some small (less than $100M in AUM)...

amateurnovice

Hacksaw Ridge (2016) Andrew Garfield, Vince Vaughn. Directed by Mel Gibson, this is the story of Desmond Doss, a Seventh-Day Adventist conscientious objector who served in WWII as a combat medic after being scrutinized and humiliated for being non-violent and wishing to not carry a weapon during bat...

amateurnovice

series 65 makes you an IAR, so you have a fiduciary duty. the test is mostly about laws of RIAs/IARs and some investment advice/suitability/product stuff from the Series 7

amateurnovice

I'm waiting until I have a couple hours without the kids to watch Rogue One on Netflix. Looking forward to that. Dunkirk (2017). Christopher Nolan's fictional account of the colossal mistake by the Allies and the effort to rescue upwards of 300,000 soldiers from the beaches of France. Suspenseful, y...

amateurnovice

whatre you trying to do, open your own IA or join one

amateurnovice

Most regular people don't know where to start with investing and they're too ashamed or afraid to ask. Asking an FA at Edward Jones is probably safer than asking an IA with his own firm or an insurance agent but even then it's a risk. So many pure scam artists are out there not even licensed or regi...

amateurnovice

Big Legos, hide and seek, organizing animals, dancing, karaoke, Play-Doh, drawing, painting, reading, practicing writing, learning about weather, looking at maps, encyclopedias with pictures, practicing colors, counting, practicing basic math (1+1, 1+2)

amateurnovice

Make sure you get one new, may try to slip you a used one. And the installer should be experienced, don't trust a new employee. I've dealt with them and it really depends on the shop and crew but it should be fine.

amateurnovice

If she needs income or has quick liquidity needs, she may have to forego any real returns and put some in short term CDs. Maybe buy about $50k in muni bonds, but keep some in 6 to 12 month CDs. Online banks offer some decent returns that will far outdo anything at brick and mortar, which may be a pr...

amateurnovice

I saved about $1250 my first summer working (lifeguarding) after buying dumb t-shirts, cheap gas, and whatever else sixteen year old boys buy. With that $1250, I was able to go on my senior trip. I wouldn't be trying to invest in retirement at that age. I'd be trying to save money, especially if col...

amateurnovice

https://www.google.com/finance?q=MUTF:VTSMX

amateurnovice

Ok, so lets tell a 24 year old who obviously has no clue what he's doing to go out and start picking individual stocks. Great idea. Ok, so let's tell a 24 year old who obviously has no clue what he's doing to go out and start buying funds that contain all those stocks. Great idea. Amateurnovice, wh...

amateurnovice

amateurnovice, I suggest you read up on the topic of unsystematic risk . https://www.bogleheads.org/wiki/Risk_and_return:_an_introduction#Diversification Diversification Risk can be reduced through diversification. The risk of investing in a single risky security, such as a stock or corporate bond,...

amateurnovice

First off, I'm not going sway anyone's thinking here so I'm not going to open myself up for ad hominems. I'll give my brief assessment which is easily eviscerated by boglehead "stay the course" logic because, honestly, there isn't much to that argument and every deviation from it is flat ...

amateurnovice

What if you were to accomplish that diversification by buying a fund like Total Stock Market? Sounds like a solid plan to me. Sounds like putting all the eggs in one basket, which isn't a great idea if you've ever bought any eggs. Could you elaborate? How would you describe the risks of the TSM bas...

amateurnovice

What if you were to accomplish that diversification by buying a fund like Total Stock Market? Sounds like a solid plan to me. Sounds like putting all the eggs in one basket, which isn't a great idea if you've ever bought any eggs. Could you elaborate? How would you describe the risks of the TSM bas...

amateurnovice

MoonOrb wrote:What if you were to accomplish that diversification by buying a fund like Total Stock Market? Sounds like a solid plan to me.

Sounds like putting all the eggs in one basket, which isn't a great idea if you've ever bought any eggs.

amateurnovice

Plenty of good individual stocks to put that in and reinvest the dividends without worrying about which fund or why. Funds are so high right now, you'd be getting in and possibly staying at a plateau for a while. I'd look at some individual companies that are competing against others and have grown...

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