Search found 1180 matches

by indexonlyplease
Mon Oct 22, 2018 5:00 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation Plan
Replies: 2
Views: 257

Re: Deferred Compensation Plan

I maxed out my works deferred comp. for 30 years before I retired. Check you plan, unless you are in a high risk job you may not be able to use the money until you are 55 or 59.5 yrs old.

If it is a good plan with low fees I would say go for it. If not I would rather put my money in a Roth IRA
by indexonlyplease
Mon Oct 22, 2018 4:56 am
Forum: Investing - Theory, News & General
Topic: Do you use mobile apps to assist with your investments?
Replies: 8
Views: 604

Re: Do you use mobile apps to assist with your investments?

I am thinking about using an app that tells me when a stock or fund hits certain numbers (up or down) or remind me to harvest my losses when my fund/etf is down for X amount. These two would probably be most useful aspects of an app that can send notification. Sure there are websites but most of th...
by indexonlyplease
Sun Oct 21, 2018 7:17 pm
Forum: Investing - Help with Personal Investments
Topic: Need some advice getting started at 34yo (updated 10/21/2018)
Replies: 20
Views: 2942

Re: Need some advice getting started at 34yo (updated 10/21/2018)

I think you should stick with the Target Dated Fund in all retirement plans if available. One day you may change but not sure why. Maybe the 3 fund after you educate yourself. Even the people here that advocate the 3 fund are good with the Target Dated Fund. Pick the one with the less % of bonds (10...
by indexonlyplease
Sun Oct 21, 2018 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Wife Roth IRA
Replies: 16
Views: 1148

Re: Wife Roth IRA

all good points. I will leave it there until she goes to another employer. We have 2 Roth IRA already at Vanguard that we max out each year. So, yes this will be a problem. And they would of stopped me. The 401k is a small part of our investments anyway. I am retired and we already have tax deferred...
by indexonlyplease
Sun Oct 21, 2018 7:07 am
Forum: Personal Finance (Not Investing)
Topic: Wife Roth IRA
Replies: 16
Views: 1148

Re: Wife Roth IRA

My income is fairly strong and so as a family we do not quality for a regular IRA. Since she does not have a retirement plan at work, the MAGI limit is $189K to either deduct a Traditional IRA or directly contribute to a Roth IRA. As mentioned above, both of you can contribute via the two-step Back...
by indexonlyplease
Wed Oct 17, 2018 5:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard changing my Admiral shares to Investor Shares
Replies: 26
Views: 4558

Re: Vanguard changing my Admiral shares to Investor Shares

Maybe you should of stayed with PASS. Going into RMD could be worth the money and not making mistakes.
by indexonlyplease
Wed Oct 17, 2018 5:00 am
Forum: Personal Finance (Not Investing)
Topic: What would you do with unexpected tax refund?
Replies: 25
Views: 1274

Re: What would you do with unexpected tax return?

Get rid of the interest payments. Work on being debt free.
by indexonlyplease
Wed Oct 17, 2018 4:45 am
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 10638

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

I am only 20% international in my 3 fund. But my thinking is how can the Pro's at Vanguard, that know way more than anyone on this blog can be so wrong. Vangaurd believes in market cap in the Target Dated Funds. So with all the research they believe the percent in us/no-us is correct for the invest...
by indexonlyplease
Mon Oct 15, 2018 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1832

Re: Buy car cash or take low rate loan

selters wrote:
Mon Oct 15, 2018 3:57 am
Remember also to finance your next sofa, bed, kitchen remodel, AC, solar panels, whatever, if you can get 0% financing. It's a free loan, right, so why not invest the money now and pay monthly payments on your consumption items?
Because 78% of peple never payoff the loan in time.
by indexonlyplease
Mon Oct 15, 2018 4:59 am
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1832

Re: Buy car cash or take low rate loan

There is no better deal than paying cash and earning the rebate. Every car has a rebate. The rebate will be far more that you will earn on a cd. If you put the money in the cd where will the money come from to pay the monthly payments? Chevy gave be 10k off on the 20% msrp. Paying cash was worth it....
by indexonlyplease
Sat Oct 13, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 162
Views: 14284

Re: Tips for staying active / injury-free into older age

In your 30s you are worried about this. I did not think about aches and pains until I hit my 50s. So you may be in for a serious problem when you get older. At age 54 I mountain bike 2 times a week, gym other days and play freesbie golf on mountain bike days. I feel it but it feels good. But maybe t...
by indexonlyplease
Sat Oct 13, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 58
Views: 6552

Re: Mexican Pacific Beaches

I don't understand the hype with mexico and Caribbean islands There are sharks everywhere, how can you swim in ocean knowing that there can be shark attack any time Not sure if you are serious but, shark attacks are a very low probability and your fear is irrational when compared with the rest of y...
by indexonlyplease
Sat Oct 13, 2018 6:45 am
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance
Replies: 6
Views: 909

Re: What to do with inheritance

Hi, a family member living in Italy passed away, leaving me an apartment valued around 170,000 EUR (~200k USD) and 50k EUR cash. I am an Italian/US citizen citizen living in the US, but my wife and I plan to retire in Europe eventually (we are in our mid-40s). What do you suggest we do with that ap...
by indexonlyplease
Sat Oct 13, 2018 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Does Timing Matter? 3 Fund Portfolio
Replies: 39
Views: 2709

Re: Does Timing Matter? 3 Fund Portfolio

I like having all my money with one employer. So, yes I would move the money if you plan on staying there. I believe this is best for keeping track of your money and not have multiple accounts. Not including outside accounts form employer. But I still only have one Vanguard. My wife changed jobs so ...
by indexonlyplease
Sat Oct 13, 2018 6:24 am
Forum: Investing - Help with Personal Investments
Topic: Buying opportunity? Invest my emergency fund??
Replies: 9
Views: 1481

Re: Buying opportunity? Invest my emergency fund??

Nothing wrong with having a large emergency fund. Especially when not working. Just find the best place to park it.
by indexonlyplease
Thu Oct 11, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Lump sum instead of pension
Replies: 23
Views: 1193

Re: Lump sum instead of pension

Then I would look at what $450.00 would be worth in 25 years. Inflation will make that worth nothing. Then what will 25k be worth if invested with realistic return.
by indexonlyplease
Thu Oct 11, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3435

Re: 5 ways target-date funds let investors down

I believe if they had Target Dated Funds 30 plus years ago when I started in vesting, I would be far better off. Sure anyone can look in the past and state how they would do better. But they don't take into account all the mistakes they will make in their investment lives. So, I will state most will...
by indexonlyplease
Thu Oct 11, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Buying a pre-owned Lexus IS-250
Replies: 29
Views: 1759

Re: Buying a pre-owned Lexus IS-250

why would someone buy a used car with 60k miles. Are you that desperate to drive a Lexus. Maybe not your time for this expensive are. Try a new car for that price. Remember, its not only the purchase of the car, but what it may cost in repairs. The Lexus is not cheap.
by indexonlyplease
Thu Oct 11, 2018 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Lump sum instead of pension
Replies: 23
Views: 1193

Re: Lump sum instead of pension

I am laughing. You are worried about something that will occur in 25 yrs. Also, if you continue to work until 65 won't the pension increase?
by indexonlyplease
Tue Oct 09, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: pension vs lump sum payment
Replies: 12
Views: 991

Re: pension vs lump sum payment

my decision to take the pension over the lump sum was easy. I wanted to spend all my money each month with knowing a new check (direct deposit) would arrive in the mail if I spent it all. Sure it may look better crunching numbers with the lump sum in this stock market but I will go with the safe mon...
by indexonlyplease
Mon Oct 01, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Financial Plan for 25 year old
Replies: 9
Views: 1071

Re: Financial Plan for 25 year old

At 25 yrs old I would work one job and enjoy life. You are getting a great start. I worked with nurses for plus 30 years. All burn out and much of them get over worked and look for new jobs because of burnout. If I were you I would look into Nurse Practitioner. Better job with better pay. Start this...
by indexonlyplease
Thu Aug 30, 2018 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: 2018 August - Dollar Cost Averaging vs LumpSum of 420k
Replies: 39
Views: 2948

Re: 2018 August - Dollar Cost Averaging vs LumpSum of 420k

I had the same issue last year and started putting in 10k a month. Then at the beginning of this year dumped it all into the Vanguard total stock market fund. Had to move some fixed income in my taxed deferred account. It was not easy but glad I did it. Can you put this money into fixed income and c...
by indexonlyplease
Thu Aug 30, 2018 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: where to invest new money in this market
Replies: 15
Views: 2986

Re: where to invest new money in this market

How much are we taking about. At 76 I would state what I tell my parents. Spend it all and enjoy. So, they simple invest in cd and savings. No risk for them. They don't have the time for a market correction.
by indexonlyplease
Thu Aug 30, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash/emergency fund
Replies: 36
Views: 3540

Re: What to do with cash/emergency fund

Hello - My wife and I have $25,000 in cash reserves for our emergency fund. It's currently sitting in a Money Market account from our local bank and not paying much interest. I've started thinking about better ways to put this money to work instead of just leaving it where it is. I've been looking ...
by indexonlyplease
Thu Aug 30, 2018 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with cash/emergency fund
Replies: 36
Views: 3540

Re: What to do with cash/emergency fund

Hello - My wife and I have $25,000 in cash reserves for our emergency fund. It's currently sitting in a Money Market account from our local bank and not paying much interest. I've started thinking about better ways to put this money to work instead of just leaving it where it is. I've been looking ...
by indexonlyplease
Thu Aug 30, 2018 7:07 pm
Forum: Investing - Theory, News & General
Topic: International investing and currency risk - why do it?
Replies: 43
Views: 2985

Re: International investing and currency risk - why do it?

Question: If owning the total stock market fund and as you state many US companies do half there buisnesss over seas how do you add the percent to someone like me that owns 20% international in the 3 fund portfolio? Meaning do I really own more that 20% because of my us funds? You don't add the per...
by indexonlyplease
Wed Aug 29, 2018 4:54 am
Forum: Investing - Theory, News & General
Topic: International investing and currency risk - why do it?
Replies: 43
Views: 2985

Re: International investing and currency risk - why do it?

I noted with interest that Vanguard has conducted research that shows that foreign bond holdings by U.S. investors should be currency-hedged and Vanguard's foreign bond funds are. According to Vanguard, bond currency risk adds volatility without improving returns. In Ray Dalio's book Principles , h...
by indexonlyplease
Sun Aug 26, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Game Changing Inheritance of Stocks! Now what?
Replies: 75
Views: 7082

Re: Game Changing Inheritance of Stocks! Now what?

To clarify step up basis.

If I never sell my taxable fund Total Stock Market, my kids get the money with no capital gains when my wife and I pass??

What about the money left in my 457 taxed deferred plan? Do they pay taxes?
by indexonlyplease
Sun Aug 26, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Any issue with not holding mid caps?
Replies: 50
Views: 3558

Re: Any issue with not holding mid caps?

If someone is not sure of future returns, why would they not just own 25% of large, mid, small and international in the stock part of the AA?? Would this be wise? You could do this with growth, value or blend. Better than the 75/25 total stock/total international. If I am doing it correctly. Looks g...
by indexonlyplease
Sun Aug 26, 2018 9:55 am
Forum: Investing - Help with Personal Investments
Topic: UTMA account - VTSMX vs. FZROX
Replies: 6
Views: 457

Re: UTMA account - VTSMX vs. FZROX

When my son's where young I purchased 2 funds in the UTMA. Vanguard's Total Stock Market Vanguards Total International Market AA 75,25 no bonds. Thats how the money went in each month. I never rebalanced. One son turned 21 last year and started rolling the money money into his Roth IRA (Target Dated...
by indexonlyplease
Sun Aug 26, 2018 9:05 am
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 7868

Re: I still use cash not credit cards should I reconsider?

If you like what you are doing with paying cash then keep doing it. The point will not make you rich and will not change your lifestyle. I do a little of both because I still like paying cash. The points will not make any difference in my life. Also, we have never kept a budget and have no debt. So ...
by indexonlyplease
Sun Aug 26, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Take pension immediately upon retirement, or use 457 funds?
Replies: 36
Views: 1701

Re: Take pension immediately upon retirement, or use 457 funds?

You have a good plan if all is correct. You should max out your 457 plan until you retire. You have 11 years until you retire. You should just keep investing and see if any changes to your pension occur. You know they can change the plan if they decide. The next recession with confirm this like they...
by indexonlyplease
Sun Aug 26, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: How do you calculate net worth with pensions?
Replies: 105
Views: 6741

Re: How do you calculate net worth with pensions?

If there is a lump sum payout option, you could use that. To me, though, they are no different than Social Security. I don’t include either as part of our net worth. +1 I never counted mine. Now retired. What matters how much of the pension will cover your monthly expenses. If it does not cover mon...
by indexonlyplease
Sun Aug 19, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Retirees: Timing your withdrawals
Replies: 40
Views: 3802

Re: Retirees: Timing your withdrawals

tennisplyr, I am in my 7th year of RMD now; and have developed a system that works well for us. As it happens, with my pension and SS, we haven't had to withdraw more than the minimum except for one year (new roof!). My account is with Fidelity; and I have it set up so that withdrawal is on the 20t...
by indexonlyplease
Sun Aug 19, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13733

Re: Teachers Who Have Net Worth of $1 million +

It is the politicians that destroy government not the employees. When you have any liabilities pensions, SS, medicare ect.) you must fund the liabilities. Some states, cities have decided not to fund for years. Then they wonder why the pension system is in such bad shape. It is about money manageme...
by indexonlyplease
Sun Aug 19, 2018 6:17 am
Forum: Personal Finance (Not Investing)
Topic: 'Online Banking – School Me’ 2
Replies: 27
Views: 2382

Re: 'Online Banking – School Me’ 2

I felt the same before I opened my accounts at Ally Bank. Before I sent them the money I checked and found they are FDIC. So, really no difference than the BOA that I have my checking and savings in. I have cds and savings accounts at Ally Bank. Just opened last year. There is almost no reason to go...
by indexonlyplease
Sun Aug 19, 2018 6:10 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10717

Re: Take auto loan 0.9% if I can afford cash?

What's the penalty if you're late on one payment? Why would you be late? Just set up an automatic payment. Good point. But in the past I have had the situation (more with utility payments) that the first payment has to be done by check then the auto payments can start. And it is sometimes unclear w...
by indexonlyplease
Sun Aug 19, 2018 6:03 am
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10717

Re: Take auto loan 0.9% if I can afford cash?

I will be buying a car soon. I can afford to pay cash up front. The dealer says I’m eligible for 0.9% financing for 3 years. No change in price whether paying by cash or loan. Would you take a car loan that you didn’t need? My only other debt is a home mortgage with after tax interest rate of 1.7% ...
by indexonlyplease
Sun Aug 19, 2018 5:36 am
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99132

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

I have a 50/50 AA with 20% in international stocks, Question: when I reballance in January of 2019 (I only do this onces a year) can I just leave the percent invested in the international alone. Meaning don't sell move any money into it. Just let it increase on its own if it will. Since I read 20% w...
by indexonlyplease
Sat Aug 18, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1194
Views: 99132

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

Vanguard increased the internationl percent in their Target Funds. Could they ever decrease the percent?
by indexonlyplease
Sat Aug 18, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Capital Gains on an Index Fund
Replies: 25
Views: 1575

Re: Capital Gains on an Index Fund

I have to ask this because I don't think I understand. If I have 100k in Total stock and it drops to 90k I sell and buy SP500. Now I can take 3k off my income for the year. I have no gains. Question: so when I purchase the 90k in SP500 I may have less shares but same value in the fund. The gain is t...
by indexonlyplease
Sat Aug 18, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: Capital Gains on an Index Fund
Replies: 25
Views: 1575

Re: Capital Gains on an Index Fund

yes theres a difference. however, you only pay ST/LTCG tax when you sell something. otherwise you are paying tax on the reg or qualified dividends. so in summary: dont sell anything unless its to TLH. I'm really at a loss here. And remember I'm Bogle 101 level. I understand the dividend impact on t...
by indexonlyplease
Sat Aug 18, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13733

Re: Teachers Who Have Net Worth of $1 million +

Wow. That's crazy. :o Your state (Illinois) has an absolute incredible pension for teachers who are tier 1 (2010 and before). My high school baseball coach and PE teacher makes 130k a year from his pension and it goes up every year by 3% at least. It’s truly an incredible benefit, that unfortunatel...
by indexonlyplease
Sat Aug 18, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Teachers Who Have Net Worth of $1 million +
Replies: 105
Views: 13733

Re: Teachers Who Have Net Worth of $1 million +

As a retired teacher, I'm interested in hearing from my fellow Life-Giving Educators who were able to devote their lives to teaching, invest over time, may have started side businesses, and have amassed over $1 million net. How did you do it? Perhaps share your net worth as a testament to other you...
by indexonlyplease
Sat Aug 18, 2018 10:05 am
Forum: Personal Consumer Issues
Topic: Switch to auto lease after retirement?
Replies: 38
Views: 3143

Re: Switch to auto lease after retirement?

We have always paid cash for our cars and driven them for 6 to 8 years. I retired a couple of years ago and I'm getting ready to replace my car and I was intrigued by low lease rates currently advertised. I did the arithmetic of comparing my total out of pocket costs (purchase price minus sale/trad...
by indexonlyplease
Sat Aug 18, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: Capital Gains on an Index Fund
Replies: 25
Views: 1575

Re: Capital Gains on an Index Fund

yes theres a difference. however, you only pay ST/LTCG tax when you sell something. otherwise you are paying tax on the reg or qualified dividends. so in summary: dont sell anything unless its to TLH. I'm really at a loss here. And remember I'm Bogle 101 level. I understand the dividend impact on t...
by indexonlyplease
Fri Aug 17, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Withdraw money from Investments
Replies: 5
Views: 911

Re: Withdraw money from Investments

Withdrawing based on maintaining your preferred AA makes the most sense. So if you’ve drifted up to 53% in stocks, then withdraw from stocks. Keep in mind with large withdrawals, though, that you might end up pushing yourself into a higher tax bracket if you take out everything you need at once. Fo...
by indexonlyplease
Thu Aug 16, 2018 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Who uses the 3 fund portfolio ?
Replies: 112
Views: 19648

Re: Who uses the 3 fund portfolio ?

well, sort of. 3 funds except: 1) 401k is in a Vanguard 2035 fund (which is a 4 fund product with a bond split btwn Bond II fund and an int't bond fund) 2) taxable is in VLCA Vanguard Large Cap Index Fund Admiral Shares for Tax Loss Harvesting purposes Hi, can you explain more about #2. I own the T...
by indexonlyplease
Thu Aug 16, 2018 6:38 am
Forum: Investing - Help with Personal Investments
Topic: Withdraw money from Investments
Replies: 5
Views: 911

Re: Withdraw money from Investments

zuma wrote:
Thu Aug 16, 2018 5:52 am
I withdraw from my taxable account every quarter.

I don't reinvest dividends in taxable, so there's always some money ready to withdraw from my settlement account.

For the rest, I simply sell either stocks or bonds, whatever gets me closer to my target AA.
got it thanks.
by indexonlyplease
Thu Aug 16, 2018 5:59 am
Forum: Personal Consumer Issues
Topic: Men’s Underwear recommendation
Replies: 67
Views: 6865

Re: Men’s Underwear recommendation

I buy all Calvin Klein but not in boxers. The long briefs (I think it's what you call them) I don't like my junk swinging around in boxers.