Search found 1074 matches

by indexonlyplease
Fri Jul 20, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Reevaluating mortgage payoff strategy
Replies: 59
Views: 5081

Re: Reevaluating mortgage payoff strategy

Pay off the mortgage your future self will thank you. +1 I laugh how many here talk about low er's for investing. Like the differnce being in a Target Fund vs 3 fund because you save on the er. But we have no problem paying 3.3% for 30 years on a mortgage. This does not make sense. I look at paying...
by indexonlyplease
Fri Jul 20, 2018 9:40 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 6487

Re: How do you handle the urge to DO something?

I invest all my new contributions for my 401K, my Roth IRA, my wife's IRA, and taxable account into stocks. These are all made by scheduled, automated transactions each week. Each weekend, I calculate the percentage of stocks versus bonds and how much over or under the stock percentage is over my t...
by indexonlyplease
Fri Jul 20, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k - VFIFX vs VFINX - How to evaluate expense ratios?
Replies: 5
Views: 418

Re: Vanguard 401k - VFIFX vs VFINX - How to evaluate expense ratios?

I think it depends on your age or how close you are to retirement. I always go with real retirement for most in their 60's. Why because time and luck have a lot to do with your investments. Example I was 100% stock funds until 3 years before I retired. Why, I had no idea why I needed bonds. I also r...
by indexonlyplease
Fri Jul 20, 2018 6:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor
Replies: 25
Views: 2300

Re: Vanguard Advisor

Vanguard will give you a free financial plan if your balance is over a certain amount ,you'll get to speak with a certified financial planner and have a plan written up all free.if you would like continued support other than annual you'll have to pay the .3%fee. I hope this was some help. This is t...
by indexonlyplease
Fri Jul 20, 2018 6:42 am
Forum: Investing - Help with Personal Investments
Topic: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact
Replies: 33
Views: 3956

Re: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact

I don't believe a wealth manager will keep you from losing money in a down market. You already have your investment decided for you. You picked the Target Dated Fund. Why not just invest the same in a taxed account with Vanguard. This will keep it simple for you and you can stay working with your bu...
by indexonlyplease
Thu Jul 19, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: I may have understood why it's so hard to save and invest
Replies: 73
Views: 9373

Re: I may have understood why it's so hard to save and invest

What other choice do you have. You could not save and work untill SS. Not a good plan. Or you could just save and invest with the idea it will get you to an earlier retirement date before SS.
by indexonlyplease
Thu Jul 19, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Semi-Retire by 40-45, possible/realistic?
Replies: 21
Views: 3466

Re: Semi-Retire by 40-45, possible/realistic?

The best you can do is save and invest wisely. Then when you are thinking about retirement look to see if it is possible. To many people are getting caught up reading the blogs on early retirement. Sure, some have been lucky but not realistic for most of us. Also, how many of us will have a successf...
by indexonlyplease
Thu Jul 19, 2018 10:08 am
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 6487

Re: How do you handle the urge to DO something?

Sounds like you need a second job or a hobby to keep you busy.

Also, sounds like you are the perfect person for the Target Dated Fund. Then you will have nothing to do with your investments except fund them each pay check.
by indexonlyplease
Wed Jul 18, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Salary vs. Lifestyle
Replies: 134
Views: 13756

Re: Salary vs. Lifestyle

livesoft wrote:
Wed Jul 18, 2018 10:58 am
Everybody I know that has had higher salary has figured out a way to enjoy life while earning a higher salary. I think much of the pain now stuff is just talk to make the wealthy feel more normal and not get hassled by the less well off.
So true.
by indexonlyplease
Sun Jul 15, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9494

Re: When does frugal cross the line to cheapskate?

The difference is when you use gray duck tape to hold your wallet together.
by indexonlyplease
Sat Jul 14, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 6541

Re: Dave Ramsey made me laugh today

I've also heard him tell people (who would likely qualify for significant premium subsidies) to buy individual health insurance directly from insurance companies instead of through the ACA exchange because the latter is "too much government". Also told a "top student" seeking an engineering degree ...
by indexonlyplease
Sat Jul 14, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 6541

Re: Dave Ramsey made me laugh today

He could be correct. I was 100% stock funds until 3 years ago when I found the 3 fund and found the reason to have fixed income. Then I retired 2 years later. So, if you are in the growth stage of your investing career maybe it is ok. But I think the mental mistakes investors make are way more serio...
by indexonlyplease
Fri Jul 13, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy T-Bills
Replies: 33
Views: 2653

Re: How to buy T-Bills

What is the advantage of treasury bills over cd with cd rates over 2 percent for / yr.
by indexonlyplease
Wed Jul 11, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Whole Foods -- any drop in prices after Amazon takeover ?
Replies: 31
Views: 3743

Re: Whole Foods -- any drop in prices after Amazon takeover ?

At least at the Aldi's here, most of their fresh meat is "enhanced" with solution. Sometimes up to 12%, which is ludicrous. Their ground beef is fine, and some of the vacuum-packed beef is solution-free as well. I mostly buy my meat at the supermarket when it's on sale. I went into a Aldi's and lef...
by indexonlyplease
Wed Jul 11, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5815

Re: Any Dry Powder Strategies?

To my mind, Dry Powder means funds that you can use on short notice for a buying opportunity that may not last long -- the 1987 flash crash (Black Monday) comes to mind. It is explicitly saved -- not invested -- and immediately ready for use. The "investment" can best be thought of as a commodity -...
by indexonlyplease
Wed Jul 11, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5815

Re: Any Dry Powder Strategies?

I understand and like the idea of dry powder. When we received an inheritance last year I put the money in 1-2 year cds at Ally Bank. This lowerd my AA from 50/50 to 43/57 (around that). Also I rebalance in January each year so this would go back to 50/50 if nothing happens. The question I ask is ho...
by indexonlyplease
Wed Jul 11, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Any Dry Powder Strategies?
Replies: 103
Views: 5815

Re: Any Dry Powder Strategies?

jebmke wrote:
Mon Jul 09, 2018 8:42 am
I use a little talc after I shower.
I like baby powder.
by indexonlyplease
Wed Jul 11, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: $13 Million Goal for Early Retirement (am I crazy?)
Replies: 179
Views: 33257

Re: $13 Million Goal for Early Retirement (am I crazy?)

Louis Winthorpe III wrote:
Tue Aug 04, 2015 11:16 am
You haven't explained how you're going to grow your portfolio from $700,000 to $12 or $13 million. That's going to be very difficult to do.
Yes please tell. I would like to know how to grow a portfolio from 700k to 13 mil in 20 years. I am all ears.
by indexonlyplease
Wed Jul 11, 2018 5:44 am
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 4503

Re: 30 Year vs 15 Year Mortgage

Everyone has some fancy reason not to use the 15 year. But I never heard someone complain about having the house paid for. Also, it is a really good feeling. I have 3% 15 year mortgage to which I made a few months worth of extra payments in addition to paying off a 1.5% 60 month auto loan. Neither ...
by indexonlyplease
Wed Jul 11, 2018 5:39 am
Forum: Investing - Help with Personal Investments
Topic: 401(k) Asset Allocation for 23 Year Old
Replies: 10
Views: 566

Re: 401(k) Asset Allocation for 23 Year Old

For someone that young with no knowledge in investing the Target Dated Fund would be great for her. Maybe in the future if she want to learn about investing she could change. But the Target Dated Fund makes investing so easy for someone just starting out. No decision on funds or percent of funds she...
by indexonlyplease
Tue Jul 10, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: Market Timing - A fool's game?
Replies: 27
Views: 2161

Re: Market Timing - A fool's game?

Question:

This type of investing is momentum investing? Defferent form factor investing? Also, is there a fund out there that follows this momemtun investing and how successful have they been?
by indexonlyplease
Tue Jul 10, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4548

Re: Target date funds....unsophisticated?

Target date funds, really? If someone posted they changed their AA every year, paid higher fees for investing than they needed to so someone else could manage their investments, invested in funds that unnecessarily manufactured taxable events every year, and set an AA that didn’t really match their...
by indexonlyplease
Tue Jul 10, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: 30 Year vs 15 Year Mortgage
Replies: 79
Views: 4503

Re: 30 Year vs 15 Year Mortgage

Get the 15 year fixed rate. Why Better rate You will have a paid off house 15 years early When you have a paid off house you will be less likely to get into another mortgage You will save a lot of money on interest The interest you save is guaranteed Most with 30 year mortgage never pay it down in 1...
by indexonlyplease
Mon Jul 09, 2018 7:41 am
Forum: Personal Finance (Not Investing)
Topic: Should I take a $60k paycut to work 4days/week
Replies: 58
Views: 5207

Re: Should I take a $60k paycut to work 4days/week

I say no on the pay cut. But can you work 4 days a week with longer hours. Some companies allow their workers to work 4-10 hr days. If not 60k is alot to give up during your growing years. If your wife is home taking care of them that is her job. So your job is to support the family. I worked 2 jobs...
by indexonlyplease
Mon Jul 09, 2018 7:35 am
Forum: Investing - Help with Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2597

Re: Income stream at 70

I don't know enough to know what to ask. I just assumed there were strategies for reducing or deferring RMDs If they take money out of the traditional IRA now, they can pay taxes on it and reduce their future RMDs (since they would be based on future account balances). That money can be spent, rein...
by indexonlyplease
Mon Jul 09, 2018 7:30 am
Forum: Personal Finance (Not Investing)
Topic: E- Billing & Autopay
Replies: 27
Views: 2401

Re: E- Billing & Autopay

We have all monthly bill on auto pay coming out of checking. I was using the credit card at one time but when the bank cancels your card because they believe fraud has occurred, you have to set up the bills again with new card number. So after doing this 3 times I went to checking account. We use on...
by indexonlyplease
Mon Jul 09, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3304

Re: What do you pay for home services?

I rent, clean my apartment myself, and don't have any landscaping. I wonder why these $500 monthly non-deductible costs are never mentioned in Bogleheads comparisons of renting with buying. Victoria Because they are a want not a need. Until you're older. Then try dragging a self-propelled(sic) mowe...
by indexonlyplease
Mon Jul 09, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: What do you pay for home services?
Replies: 55
Views: 3304

Re: What do you pay for home services?

For the landscaping, find a teenager that lives in your neighborhood. They will be much cheaper than the professional types. Good luck with that. Kids don't cut lawns anymore for money. If you live in a neighborhood where you see lawn service trucks the kids in that neighborhood don't cut grass. Wh...
by indexonlyplease
Mon Jul 09, 2018 7:08 am
Forum: Investing - Help with Personal Investments
Topic: Income stream at 70
Replies: 29
Views: 2597

Re: Income stream at 70

I don't know enough to know what to ask. I just assumed there were strategies for reducing or deferring RMDs If they take money out of the traditional IRA now, they can pay taxes on it and reduce their future RMDs (since they would be based on future account balances). That money can be spent, rein...
by indexonlyplease
Sun Jul 08, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Do you count pension contributions as a portion of your overall retirement contributions.
Replies: 47
Views: 3509

Re: Do you count pension contributions as a portion of your overall retirement contributions.

What is meant by "stock variable?" I know that I have answered this before, but.... If you put legacy plans aside, your investment portfolio is about one thing only: how much income do I need to generate from it at a later date in order to live in a way that I'd like to live. In order to calculate ...
by indexonlyplease
Sun Jul 08, 2018 10:52 am
Forum: Personal Consumer Issues
Topic: New ladies bike: recommendations
Replies: 17
Views: 1024

Re: New ladies bike: recommendations

I would go to the local bike shop (great if mom and pop store) and ask the same question. Frame size is important and so is wheel size depending on what you will do with bike. Also, make sure it has at least 5 gears. Many cheaper bikes have only one gear. For 400-600 your can get a really good bike....
by indexonlyplease
Sun Jul 08, 2018 10:37 am
Forum: Personal Consumer Issues
Topic: Retirees...what’s your lunch menus?
Replies: 54
Views: 4353

Re: Retirees...what’s your lunch menus?

I keep it simple.

During the week it is fish or chicken. On the weekend red meat. Then add salad or and veggies and a fat.

Today I am having left over grilled chicken with broccoli and half avacado.
by indexonlyplease
Sat Jul 07, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: Morningstar: What to Consider When Picking Multifactor ETFs
Replies: 83
Views: 4989

Re: Morningstar: What to Consider When Picking Multifactor ETFs

I am only asking because I don't understand why I would invest this way. While I only understand very little about factor investing, I ask the question, is it just a new way to open new funds. Or new marketing. Let me say that I’m not sure that you should invest this way. Although factor based inve...
by indexonlyplease
Sat Jul 07, 2018 9:07 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan to pay off debt?
Replies: 37
Views: 1631

Re: 401k loan to pay off debt?

Taking out a loan to pay for a loan does not sound smart. Pay off all loans in 2 years if you can while still investing in your 401k. If not just delay investing and pay off the loans. Then MAX out 401k for the rest of your working years. Also, pay 7k at zero interest first befor it goes to 14%. The...
by indexonlyplease
Sat Jul 07, 2018 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Can you help me figure out how much emergency fund $ I REALLY need?
Replies: 38
Views: 2843

Re: Can you help me figure out how much emergency fund $ I REALLY need?

Zero Emergency Fund would be my approach. Activate Margin in your brokerage account and that can serve as an EF without having to sell anything. IB has very low interest rates on Margin loans, currently under 3.5% on small amounts dropping to under 2.5% on large amounts. Besides, your wife will sur...
by indexonlyplease
Sat Jul 07, 2018 8:55 am
Forum: Investing - Theory, News & General
Topic: Morningstar: What to Consider When Picking Multifactor ETFs
Replies: 83
Views: 4989

Re: Morningstar: What to Consider When Picking Multifactor ETFs

I am only asking because I don't understand why I would invest this way. While I only understand very little about factor investing, I ask the question, is it just a new way to open new funds. Or new marketing. 3 years ago before I found this site and decided on the 3 fund. I simply invested in my t...
by indexonlyplease
Fri Jul 06, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Morningstar: What to Consider When Picking Multifactor ETFs
Replies: 83
Views: 4989

Re: Morningstar: What to Consider When Picking Multifactor ETFs

From Vanguard site What are "factor based" funds? Factor-based funds are a form of active management. They offer the potential to achieve specific risk and return objectives by purposely and explicitly "tilting" portfolios toward certain stock characteristics, like recent momentum, higher quality, ...
by indexonlyplease
Fri Jul 06, 2018 10:03 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14549

Re: How to "retire" in your 30's article

My wife and I are laughing after reading this post. I told her she did not quit her job years ago to stay home with the kids. I told her she retired early as a school teacher. Then after 10 years she went back to work as a teacher again. Then 5 years later I retired. So, we are FI with income, pensi...
by indexonlyplease
Fri Jul 06, 2018 9:37 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14549

Re: How to "retire" in your 30's article

Retire in your 30s is a dream very few will every have. Also, I believe many do not stay retired and find another job or a better job (blogger). Unless one person stays home and becomes the stay home parent. That is now their new job. While the other spouse works (health insurance). But great plan i...
by indexonlyplease
Fri Jul 06, 2018 9:32 am
Forum: Investing - Help with Personal Investments
Topic: Do you count pension contributions as a portion of your overall retirement contributions.
Replies: 47
Views: 3509

Re: Do you count pension contributions as a portion of your overall retirement contributions.

No

Why because you don't know what changes may occur in the pension system. So, save and invest as much possible outside of pension. In the end if nothing changes you will have a great pension and a great investment account.

This is what I did.
by indexonlyplease
Fri Jul 06, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: Morningstar: What to Consider When Picking Multifactor ETFs
Replies: 83
Views: 4989

Re: Morningstar: What to Consider When Picking Multifactor ETFs

From Vanguard site What are "factor based" funds? Factor-based funds are a form of active management. They offer the potential to achieve specific risk and return objectives by purposely and explicitly "tilting" portfolios toward certain stock characteristics, like recent momentum, higher quality, o...
by indexonlyplease
Fri Jul 06, 2018 7:02 am
Forum: Investing - Theory, News & General
Topic: Morningstar: prepare for a lost decade for U.S. stocks
Replies: 198
Views: 18099

Re: Morningstar: prepare for a lost decade for U.S. stocks

So I have no idea if they are right or wrong.

I thought one of the most important things to do was stick with your plan no matter what. Changing your AA could cause the most trouble.
by indexonlyplease
Sun Jul 01, 2018 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your equity is int’l?
Replies: 141
Views: 7742

Re: What % of your equity is int’l?

20% in total international stock market.

Not sure how much of the total stock market is in international
by indexonlyplease
Sat Jun 30, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 10798

Re: Feel like I'm sinking money into international

I believe Vanguard recommends 40% of your equities in International . Isn't it too high? You are assuming there is a correct number. The only possible argument might be for a global weight in which case Vanguard is low. Or if you make rough adjustments for cost differences and taxation, then maybe ...
by indexonlyplease
Sat Jun 30, 2018 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 10798

Re: Feel like I'm sinking money into international

I compare my portfolio to Vanguard LIfeStrategy fund with a similar asset allocation. So in my 60/40 case, I compare to VSMGX. My portfolio is still outperforming the benchmark, so I know that my rebalancing and RBD market timing machinations are doing me good. Does that help? I like how you use th...
by indexonlyplease
Sat Jun 30, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 10798

Re: Feel like I'm sinking money into international

Question What if someone just kept adding money to their investments (monthly or biweekly) and never reballance. Then someone would never have to make that decision to move large amounts of money between the stock funds to reballance. Would that make someone feel better? Would it make differance in ...
by indexonlyplease
Fri Jun 29, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard 500 over Vanguard Total (US) Stock Market
Replies: 45
Views: 5030

Re: Vanguard 500 over Vanguard Total (US) Stock Market

What would the small and mid caps have to return for the Total Stock Market Fund to out perform the SP500? (by a good %) Is there enough small and mid cap companies in the Total Stock Market Fund to ever make a difference over the SP500? Just wondering. Either way I favor the Total Stock Market Fund.
by indexonlyplease
Fri Jun 29, 2018 7:24 am
Forum: Investing - Theory, News & General
Topic: Dave Ramsey against index funds?
Replies: 57
Views: 5712

Re: Dave Ramsey against index funds?

Dave Ramsey for debt. Bogleheads for Investing. [/mic drop] +1 Dave's living debt free advice is great. I wish in his 7 step plan he would just add in a low cost Target Dated Fund for people to invest in (Vanguard). Then when someone learns about investing they could change. But by then they may re...
by indexonlyplease
Thu Jun 28, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: $1 million house--- sanity check
Replies: 96
Views: 10410

Re: $1 million house--- sanity check

Household Income: 430K (Spouse and I are both dentists, stable income, likely mild increases every year) Wife and I always worked and we always saved her income. This allowed us to purchase 3 houses over 27 years. Each one more expensive. Now 16 years in current house with no plans to ever move. So...
by indexonlyplease
Thu Jun 28, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Roth vs Taxable to Fund Retirement Prior to 59 1/2
Replies: 12
Views: 1151

Re: Roth vs Taxable to Fund Retirement Prior to 59 1/2

At age 40 you are thinking about retiremnet. To many things could happen. Including a declining market that cuts your portfolio in half. So, I would state max out all investment accounts have a large emergency fund and make sure you are debt free. And don't make investment mistakes. Then when 5 year...