Search found 1586 matches

by Random Poster
Sun Apr 04, 2010 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Wondering if I'm off-track?
Replies: 45
Views: 5361

Re: Wondering if I'm off-track?

Thanks, everyone for the comments. Yes, absolutely a wiser move. The problem is taxes. Having the same ST Bonds in tax-advantaged and Equities in Taxable, you just increased your overall return and net worth - remember the compounding effect? The tax-exempt vs. taxable Bond decision needs to be comp...
by Random Poster
Fri Apr 02, 2010 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Wondering if I'm off-track?
Replies: 45
Views: 5361

Re: Wondering if I'm off-track?

The $ in this or that account are just mental accounting obstacles to overcome. Having all this cash is costing you money just by the sheet fact that extra earnings are being excluded from compounding. Add some inflation and the cost just escalated. Unless/until you conquer the obstacles you create...
by Random Poster
Fri Apr 02, 2010 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Wondering if I'm off-track?
Replies: 45
Views: 5361

Re: Wondering if I'm off-track?

I will just make a broad observation - I don't think you've struck an appropriate balance between socking away cash for a rainy day and investing for your long-term future. Why on earth do you need that much cash lying around at age 33 if you don't want to buy a house with it? Especially when you h...
by Random Poster
Fri Apr 02, 2010 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Wondering if I'm off-track?
Replies: 45
Views: 5361

You like being diversified in all accounts, but the reason we suggest looking at all accounts as one portfolio is it allows you to create the most tax-efficient portfolio. The balanced fund in a taxable account is not efficient, especially for someone in the 33% tax bracket. The concern for tax eff...
by Random Poster
Fri Apr 02, 2010 8:26 am
Forum: Investing - Help with Personal Investments
Topic: Wondering if I'm off-track?
Replies: 45
Views: 5361

So by your response, YDNAL, am I correct in assuming that your answer to my third question in my OP is "yes"?
by Random Poster
Thu Apr 01, 2010 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Wondering if I'm off-track?
Replies: 45
Views: 5361

Wondering if I'm off-track?

Prompted by a post by Taylor Larimore in the "AA - How Much Should Be International," thread, I'm wondering if I have screwed up something and would appreciate any and all advice and thoughts. Roughly using the requested format set forth in the sticky: Salary, Bonus, RSU payouts, etc: Somewhere betw...
by Random Poster
Tue Mar 30, 2010 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: AA - how much should be international?
Replies: 73
Views: 11849

Allow me to reveal my ignorance, but with all of the various %'s that are bandied about, it seems to me like it is very easy to go over 100%, and keeping up with all of the math could be cumbersome. I like my AA: 80% Vanguard Balanced Fund; 20% Vanguard Total International Stock Index Fund. It is si...
by Random Poster
Tue Mar 30, 2010 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Changes and Consolidated Loans
Replies: 8
Views: 1764

With the caveat that I have not read the new student loan law, I find it hard to believe that the law would apply retroactively. Not to say that it wouldn't be impossible, mind you.

As an aside, Sallie Mae is the devil incarnate. May you have better luck with them than all of my friends ever had.
by Random Poster
Tue Mar 30, 2010 8:08 am
Forum: Investing - Theory, News & General
Topic: ..
Replies: 87
Views: 8542

If you think that housing is cheap, what is your view on salaries? Do you think that salaries have kept up with the housing prices? Have salaries (as a whole) doubled since 1985?
by Random Poster
Thu Mar 25, 2010 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Keep Adding to Your Emergency Fund?
Replies: 33
Views: 4515

Re: Do You Keep Adding to Your Emergency Fund?

YDNAL wrote:That would be called Taxable investing. Do you max-out all available tax-advantaged accounts?
I think so. $16500 in a 401(k). $5000 in a Traditional IRA (over the income limit for a Roth). What else is there?
by Random Poster
Thu Mar 25, 2010 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Keep Adding to Your Emergency Fund?
Replies: 33
Views: 4515

I don't understand the point of "(so that $2250 each month goes to replace your living expenses)". You started by saying "you net $8000 a month". That's from your paycheck, right? As long as you're earning a paycheck, it will pay for your living expenses. Yes, the $8K is from a paycheck. I guess th...
by Random Poster
Thu Mar 25, 2010 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Do You Keep Adding to Your Emergency Fund?
Replies: 33
Views: 4515

So...using round numbers, let's say that you net $8000 a month and your living expenses are $2250 a month, leaving you with $5750 a month. After deducting $400 for the month's IRA contributions, you have $5350. Would you advise investing the full $5350 each month in index funds, or just $3100 (so th...
by Random Poster
Thu Mar 25, 2010 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Do You Keep Adding to Your Emergency Fund?
Replies: 33
Views: 4515

I cap my e-fund at $10k in the bank savings account. After that, I put everything else in either MMA or high yield online savings (was making a lot more interest in those before 2008). I'm confused. Why wouldn't the entirety of your bank savings account, MMA, and high yield online savings not be co...
by Random Poster
Thu Mar 25, 2010 11:39 am
Forum: Personal Consumer Issues
Topic: Car Battery Life
Replies: 34
Views: 3793

Re: battery life

fsrph wrote:If you want to replace it before it fails, maybe next fall would be a good time before the cold of winter stresses the battery.

Francis
Odd as it may seem, hot weather is harder on a battery than cold weather is.
by Random Poster
Thu Mar 25, 2010 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Do You Keep Adding to Your Emergency Fund?
Replies: 33
Views: 4515

Do You Keep Adding to Your Emergency Fund?

Once you have your emergency fund fully paid up, do you keep adding to it?

Or, on a similar note, do you replace your monthly living expenses each month?
by Random Poster
Tue Mar 23, 2010 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Fund Comparable to Vanguard Total Bond Mkt Fund?
Replies: 7
Views: 1753

Thanks.

I'm not familiar with the Tax-Managed Capital Appreciation fund, but the growth charts on Vanguard appear to favor the Total Stock Market Index fund. Plus, the Capital Appreciation fund has quite a redemption fee!
by Random Poster
Tue Mar 23, 2010 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Fund Comparable to Vanguard Total Bond Mkt Fund?
Replies: 7
Views: 1753

So if I wanted to create a (partially) tax exempt balanced fund, I'd need to invest thusly:

60% Total Stock Market Index;
30% Intermediate Term Tax Exempt Bond Fund; and
10% Limited Term Tax Exempt Bond Fund?
by Random Poster
Tue Mar 23, 2010 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Fund Comparable to Vanguard Total Bond Mkt Fund?
Replies: 7
Views: 1753

Tax Exempt Fund Comparable to Vanguard Total Bond Mkt Fund?

What is Vanguard's tax-exempt bond fund that is comparable to their Total Bond Market Index Fund?

Is it the Intermediate Term Tax Exempt Fund?
by Random Poster
Wed Mar 10, 2010 1:42 pm
Forum: Personal Consumer Issues
Topic: advice - decent shirts and pants
Replies: 23
Views: 2936

I buy Lands' End dress shirts and dress slacks (I think that they are called yearrounders...they are wool and are usually in the $70 range). No real complaints with either. Their hemmers tend to not be terribly consistent, so I generally get them hemmed 1/4 inch shorter than I really want them to be...
by Random Poster
Wed Mar 03, 2010 4:23 pm
Forum: Investing - Theory, News & General
Topic: At What Point Do You Have Enough?
Replies: 69
Views: 11281

Re: At What Point Do You Have Enough?

If I may ask, what are you spending on health care? Do you have health insurance? What are your thoughts on this? I budget $20 or so a month for health care costs. I seldom spend more than $100 a year on health care (outside of health insurance costs). Through my benevolent employer, I have health ...
by Random Poster
Wed Mar 03, 2010 3:49 pm
Forum: Investing - Theory, News & General
Topic: Has your 401k reinstated company contributions?
Replies: 11
Views: 1599

Luckily, 401(k) match was never cut nor suspended. Merit raises were deferred for 6 months, but still given and were quite generous. End of year bonuses were surprisingly high and made on time. End of year retirement savings contributions were still made, in the same amounts as always. Health insura...
by Random Poster
Wed Mar 03, 2010 3:45 pm
Forum: Investing - Theory, News & General
Topic: At What Point Do You Have Enough?
Replies: 69
Views: 11281

Re: At What Point Do You Have Enough?

nisiprius wrote:I wonder why you named $20K a year, though.
Because that is pretty close to what my annual living expenses are, so it is a number that I am reasonably familiar with.
by Random Poster
Wed Mar 03, 2010 2:22 pm
Forum: Investing - Theory, News & General
Topic: At What Point Do You Have Enough?
Replies: 69
Views: 11281

At What Point Do You Have Enough?

Or, said differently, for what are you investing? I like to save as much as, or maybe slightly more than, the next guy, but at what point do you simply say "I've got enough. Why do I need to keep working any more? Why do I need to keep saving any more?" After all, if you can live just fine on $20K a...
by Random Poster
Tue Mar 02, 2010 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Got Employee Stock Options? Grok's rule for when to exercise
Replies: 78
Views: 12575

Personally, I sell everything, immediately upon vesting. For some individuals, historically at least, that choice alone (of how long to wait) made the difference between a $1M vs. a $100M portfolio. And, for some individuals, historically at least, such a choice made the difference between a $1M vs...
by Random Poster
Tue Mar 02, 2010 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Got Employee Stock Options? Grok's rule for when to exercise
Replies: 78
Views: 12575

Respectfully, the "rule" or "formula" is much too complex for my liking. Personally, I sell everything, immediately upon vesting. It is a shame that our employers won't allow us to sell these options to others. In this case, I would be very happy to pay Random Poster the same value he got for exerc...
by Random Poster
Mon Mar 01, 2010 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Got Employee Stock Options? Grok's rule for when to exercise
Replies: 78
Views: 12575

Respectfully, the "rule" or "formula" is much too complex for my liking.

Personally, I sell everything, immediately upon vesting.

I depend on my employer for my current income. I'm not going to depend on my employer for my future income.
by Random Poster
Thu Feb 25, 2010 12:48 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash to Have Available?
Replies: 33
Views: 5572

How do you guys calculate "living expenses"? Is it a hypothetical austerity budget, or is it your actual current expenses? For me, it is my actual current expenses for a year. Let's say it is $25K. To be safe, I also add about 10% to my actual current expenses to arrive at my "living expense" numbe...
by Random Poster
Thu Feb 25, 2010 9:01 am
Forum: Personal Finance (Not Investing)
Topic: California Teacher - District Pay Scale & Benefits
Replies: 7
Views: 2365

Re: California Teacher - District Pay Scale & Benefits

Let me see if I understand this: You want the school district to increase salaries in exchange for lowering the benefit allotment, right? I can't see the school district agreeing to that. For starters, increasing salaries would cause an immediate increase on the school district's budget. I'm guessin...
by Random Poster
Tue Feb 23, 2010 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash to Have Available?
Replies: 33
Views: 5572

Re: How Much Cash to Have Available?

Would you include in 'Cash' all liquid assets that can readily be turned into cash within a day or so with little to no risk of investment loss or expense? "No risk of loss/expense," yes. "Little risk of loss/expense," no. For most, to determine liquidity need (months of cash or cash-equivalent res...
by Random Poster
Mon Feb 22, 2010 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: How Much Cash to Have Available?
Replies: 33
Views: 5572

How Much Cash to Have Available?

I'm curious how much cash you all feel comfortable keeping around to have have at little to no notice. Personally, I have just a little over 10 years worth of living expenses in various money market accounts and money market funds. I don't have a house, and I don't plan on buying one anytime soon, s...
by Random Poster
Fri Feb 19, 2010 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Have you ever tracked your spending for a year?
Replies: 105
Views: 16176

I track everything that I spend, and I've been doing so for 18 months now. If I spend it, it gets written down, and at the end of each month, I add everything up, categorize it all, compare it to my monthly budget amounts, and calculate the total amounts paid so far and what the monthly average is. ...
by Random Poster
Mon Feb 15, 2010 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Short Term money
Replies: 16
Views: 3213

Integrity Bank in Houston is allegedly offering a 1.74% APY money market, for balances above $100K. Their rate is slightly higher for deposits above FDIC limits. I say "allegedly" because they screwed up my first bank statement, paying me less interest than I believe that I am due, and like to play ...
by Random Poster
Thu Feb 11, 2010 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: any reason to not use 100% TIPS for bonds?
Replies: 47
Views: 6497

Beside, cash is always the safest investment. If only that were true. Cash faces serious inflation risk. Please explain. If you held $100K in a money market account, and the interest paid in the money market account was tied to, say, the prime rate, wouldn't the $100K always be worth essentially $1...
by Random Poster
Thu Feb 11, 2010 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Method of Dollar Cost Averaging
Replies: 18
Views: 2567

rifan123 wrote:is it true, no cost transaction to do so??
There are no transaction costs that I am aware of. All I'm doing is transferring, in my Vanguard account, a specified sum of money from, say, a Vanguard money market fund to a Vanguard Balanced Index Fund. There are no purchase fees to do so.
by Random Poster
Thu Feb 11, 2010 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Method of Dollar Cost Averaging
Replies: 18
Views: 2567

Method of Dollar Cost Averaging

Let's say you have $2,000 a month to invest in a taxable account. You are going to put the money in, say, Vanguard's Balanced Index Fund, and there are, accordingly, no transaction costs to do so. What is the preferred method of dollar cost averaging? Putting the $2,000 in on the 1st day of each mon...
by Random Poster
Wed Feb 03, 2010 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Deciding When To Sell Index Funds
Replies: 9
Views: 4111

Deciding When To Sell Index Funds

How do you decide when to sell an index fund, particularly one that is held in a taxable account? When it hits a certain price? When you have a made a certain return? I used to be, and may still be, a believer in the buy and hold philosophy, but given the recent "lost decade," I'm beginning to wonde...