Search found 1409 matches

by jhfenton
Sun Mar 22, 2015 4:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Ex-US Small Cap Value Petition
Replies: 24
Views: 4181

Re: Vanguard Ex-US Small Cap Value Petition

I would be interested. If Vanguard offered one, I would almost certainly invest. We have 37.5% of our 40% international allocation (so 15% overall) in VSS. I would probably move 2/3 of that (so 10% overall) to a Vanguard ex-US Small Cap Value ETF. But I don't lose any sleep over the lack of one, and...
by jhfenton
Sun Mar 22, 2015 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Adding Small Value to Portfolio
Replies: 6
Views: 1097

Re: Adding Small Value to Portfolio

It seems reasonable. In fact, we tilt more with small (and mid) value and tilt our international. Whether and how much you tilt is entirely a matter of taste. Perhaps because I started investing in the 1990's and saw the market go crazy over large cap growth, my instincts have always been to tilt sm...
by jhfenton
Sun Mar 22, 2015 11:55 am
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 89
Views: 10454

Re: Elio Car

Slowmaha wrote:Those are pretty cool.. But also pretty steep :moneybag for a supped up tricycle.. $5K+... C'mon!

You haven't shopped for motorcycles (i.e. souped-up bicycles), have you? :happy
by jhfenton
Sun Mar 22, 2015 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Convince a Newly Converted Boglehead to sell AAPL shares
Replies: 20
Views: 2866

Re: Convince a Newly Converted Boglehead to sell AAPL shares

It also seems like a good strategy to me. I wouldn't sell any AAPL right now at a STCG. I would definitely hold the ST shares until the one-year mark. And in_reality is on the mark. Any large-cap blend or growth fund is going to have a sizable stake in AAPL, so you will still own some. And if you wa...
by jhfenton
Sun Mar 22, 2015 11:29 am
Forum: Personal Finance (Not Investing)
Topic: Percent of gross income on hobbies
Replies: 26
Views: 3296

Re: Percent of gross income on hobbies

TS, http://www.investopedia.com/terms/p/payyourselffirst.asp Use "Pay Yourself First" saving method. Once that you save enough and allocate the correct saving percentage every month / paycheck, you can spend the rest. Why do you need to budget?? This is pretty much the way we do it. Our s...
by jhfenton
Sat Mar 21, 2015 11:32 am
Forum: Forum Issues and Administration
Topic: Need a new sub-forum for guns?
Replies: 25
Views: 3567

Re: Need a new sub-forum for guns?

I agree. Politics aside, they're just another complicated consumer product where it's hard to make smart purchases without some knowledge.

Now if we had some good discussions on running, my interests would be fully covered here....
by jhfenton
Sat Mar 21, 2015 11:28 am
Forum: Investing - Help with Personal Investments
Topic: VEA vs. VEU
Replies: 3
Views: 1026

Re: VEA vs. VEU

I'd buy VEU if I wanted market weighting in emerging markets. I'd buy VEA (and do) if I wanted to over-weight or under-weight emerging markets by adding or not adding VWO. To either, you can add VSS to get small caps either at market weights (VEU 90% + VSS 10%) or at the weighting of your choice. If...
by jhfenton
Sat Mar 21, 2015 8:40 am
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 200
Views: 20173

Re: Restaurant tipping

I tip 20% rounded up in some logical fashion. I might reduce that for poor service/rudeness directly from the server, but I don't recall the last time I did that. Poor service more often involves long waits for food and/or under-staffed dining rooms, and I don't want to penalize wait staff for thing...
by jhfenton
Fri Mar 20, 2015 10:19 pm
Forum: Investing - Theory, News & General
Topic: Step callable long term CD for fixed income- pros & cons?
Replies: 17
Views: 1719

Re: 3% CD FDIC - Wells Fargo

if rates rise it won't be called and you will have it for quite awhile. If rates should go lower or stay the same, they will probably call it. You lose if rates should sink (they call it) and you lose if rates go through the roof (you are stuck with it). Only the last few years are really impressiv...
by jhfenton
Fri Mar 20, 2015 10:06 pm
Forum: Investing - Theory, News & General
Topic: Step callable long term CD for fixed income- pros & cons?
Replies: 17
Views: 1719

Re: 3% CD FDIC - Wells Fargo

Interesting. I see it on the New Issues: CDs list too. It's too late for me to think about it tonight. But I look forward to thinking about it in the morning. :happy
by jhfenton
Fri Mar 20, 2015 7:37 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 12403

Re: Whats a good Pistol to buy?

Pistols are semi-automatics, Revolvers are, well, revolvers but are not actually pistols sorry NO Pistol is a noun It is a hand held firearm Revolving, automatic, semi automatic, horse,wheel-lock, rifled, flintlock, double barreled, machine, navy, Colt, Browning, Lugar etc are all adjectives that c...
by jhfenton
Fri Mar 20, 2015 3:01 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 12403

Re: Whats a good Pistol to buy?

Learn how to fire while under stress or duress. How does one learn this? Training and competitions. It's not the kind of thing a normal range will let you practice. Most don't even like you to draw from a holster. But you can take training focused on real life situations. You can also compete in pi...
by jhfenton
Fri Mar 20, 2015 2:58 pm
Forum: Personal Consumer Issues
Topic: Whats a good Pistol to buy?
Replies: 112
Views: 12403

Re: Whats a good Pistol to buy?

Glock 19 gen 3 is my own pick. But in my opinion, you should pick what you're most comfortable with. (Edit: Sorry, just realized the OP asked about 40 cal. The above is a 9 mil. My bad.) - Tim I agree with the general advice above. (1) Get some quality training and practice. (2) Learn the laws both...
by jhfenton
Fri Mar 20, 2015 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Boglehead investing at TD Ameritrade
Replies: 8
Views: 1209

Re: Boglehead investing at TD Ameritrade

My wife and I have our non-401(k) accounts at TD Ameritrade, and we're currently staying put. Perhaps if my wife changes jobs and frees up her 401(k) (40% of our portfolio), then we'll roll everything over to Vanguard. In the meantime, we make full use of the Vanguard non-commission ETFs. In fact, t...
by jhfenton
Fri Mar 20, 2015 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Any situations car leasing makes sense?
Replies: 63
Views: 9173

Re: Any situations car leasing makes sense?

I have a neighbor who likes to spend on very fancy "high-end" cars. Currently a Maserati . He always does a 3 year lease even though buying would not be a problem. The super fast depreciation of such cars makes leasing worthwhile according to him. I've never leased a car so I may be wrong...
by jhfenton
Fri Mar 20, 2015 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund or Guaranteed 3%
Replies: 20
Views: 2307

Re: Bond Fund or Guaranteed 3%

Agreed. Yes and yes. To get 3% in a bond fund now, you have to go to something like VCIT (Vanguard Intermediate Term Corporate) with a 6.5 year duration and some modest credit risk. You can always reallocate if rates rise.
by jhfenton
Fri Mar 20, 2015 10:09 am
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 10705

Re: How do you invest your taxable account?

At the moment, our taxable investments are mostly emergency funds: a mix of cash in a few different accounts and VCSH (Vanguard Short-Term Corp ETF) in our brokerage. We do have a single equity ETF that is part of our retirement allocation: VSS (Vanguard FTSE Ex-US Small Cap). Our large cap and mid-...
by jhfenton
Fri Mar 20, 2015 8:31 am
Forum: Personal Consumer Issues
Topic: Have You Prepared A Durable Power Of Attorney?
Replies: 24
Views: 2545

Re: Have You Prepared A Durable Power Of Attorney?

Unless they have changed policy Vanguard will not honor your durable power of attorney. I had no idea. Can they legally do this? Does this mean that if I go into a coma or something, my money at Vanguard is inaccessible? Do other firms do this? smackboy1 has the right of it. They're reluctant to al...
by jhfenton
Thu Mar 19, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: [Poll] Do you have an auto loan?
Replies: 72
Views: 6403

Re: Do you have and auto loan?

Yes. We own a 2008 Ford Fusion outright, but we have a 1.9% loan on a 2012 Honda Odyssey. We bought it when our 1996 Dodge Grand Caravan bit the dust (transmission). We had been paying it on schedule, but I'm going to make paying it off our next priority.
by jhfenton
Wed Mar 18, 2015 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 70
Views: 6637

Re: how often do you check performance?

Bull market - pretty much every day. Bear market - Never, I lose interest. I don't think about the markets/my portfolio at all. There's definitely some truth to that! It's the same way with my sports teams. If they're winning, I can't get enough coverage. If they're losing, I don't want to read abo...
by jhfenton
Wed Mar 18, 2015 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Plans - yes or no, if yes which one
Replies: 2
Views: 457

Re: 529 Plans - yes or no, if yes which one

We have small Ohio 529 plans. The investment choices are good and there is a modest state tax deduction. Until the last two years, we didn't really have incomes that allowed us to max our retirement accounts and save anything else, so we've focused mostly on saving for retirement. We expect that we ...
by jhfenton
Wed Mar 18, 2015 2:28 pm
Forum: Personal Consumer Issues
Topic: Have You Prepared A Durable Power Of Attorney?
Replies: 24
Views: 2545

Re: Have You Prepared A Durable Power Of Attorney?

Yes. We're not especially "older," (44/45) but my wife and I have reciprocal general durable POAs, and have had them for most of our marriage. (I'm an attorney, so it was no effort to draft and execute them along with our other documents.) There are no contingent attorneys in fact named, j...
by jhfenton
Wed Mar 18, 2015 8:59 am
Forum: Investing - Help with Personal Investments
Topic: how often do you check performance?
Replies: 70
Views: 6637

Re: how often do you check performance?

Bull market - pretty much every day. Bear market - Never, I lose interest. I don't think about the markets/my portfolio at all. There's definitely some truth to that! It's the same way with my sports teams. If they're winning, I can't get enough coverage. If they're losing, I don't want to read abo...
by jhfenton
Wed Mar 18, 2015 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 14
Views: 1400

Re: Asset Allocation

The key is savings rate, controlling expenses and having a diversified portfolio. To me that includes a decent allocation to fixed income. I saw many people who had aggressive portfolios that were close to retirement that saw their dreams get crushed in 2008. So, if you stay very aggressive have a ...
by jhfenton
Wed Mar 18, 2015 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 14
Views: 1400

Re: Asset Allocation

If there is a market decline and you are 100% stock, with what do you buy stocks on the cheap? Your ongoing regular contributions, which, for a 29-year-old, should dwarf the current assets. Even at not-quite-45, our new contributions over the next 10 years will exceed what we've already accumulated.
by jhfenton
Tue Mar 17, 2015 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 14
Views: 1400

Re: Asset Allocation

In my mind, the only reason for a 29-year-old not to be 100% equities is behavioral. If you made it through 2008-2009 without blinking, then I'd say go with your instinct. My wife and I are 44/45 and we're still 100% equities (60 U.S. / 40% Intl) outside of our emergency fund. And we've been 100% eq...
by jhfenton
Tue Mar 17, 2015 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Why Funds Over ETFs?
Replies: 57
Views: 6982

Re: Why Funds Over ETFs?

I also remain skeptical that it's really possible to get the "other guy" to cross the spread very often. I too believe the illusion of doing so is likely what you would be seeing. Overall, if you're dealing with ETFs, you're best off finding one with a small spread and placing a market or...
by jhfenton
Tue Mar 17, 2015 1:50 pm
Forum: Investing - Theory, News & General
Topic: Shiller - How Scary Is the Bond Market?
Replies: 29
Views: 5238

Re: Shiller - How Scary Is the Bond Market?

Not as scary as the stock market. That depends on what you're afraid of. I find the bond market much scarier. So much so that I have entirely avoided it for the 20 years we've been investing (except for some emergency funds in short-term corp). If someone made me put even 20% of my portfolio in bon...
by jhfenton
Tue Mar 17, 2015 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Why Funds Over ETFs?
Replies: 57
Views: 6982

Re: Why Funds Over ETFs?

Another thing to note is ease of transaction moving money between accounts. If I want to move $1000 of my Total Stock Market from my taxable account into my Roth IRA as a contribution, it's much easier to do so with the mutual fund. I click a couple buttons and it goes through with that day's trade...
by jhfenton
Tue Mar 17, 2015 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Is Now a Good Time to Decrease Stock Index Allocation?
Replies: 9
Views: 1912

Re: Is Now a Good Time to Decrease Stock Index Allocation?

If your question involves changing your personal asset-allocation plan because your personal situation (risk tolerance; time-frame; personal financial situation) has changed, you may find this link helpful: https://personal.vanguard.com/us/funds/tools/recommendation I still can't get over the fact ...
by jhfenton
Tue Mar 17, 2015 9:57 am
Forum: Investing - Theory, News & General
Topic: Shiller - How Scary Is the Bond Market?
Replies: 29
Views: 5238

Re: Shiller - How Scary Is the Bond Market?

Not as scary as the stock market. That depends on what you're afraid of. I find the bond market much scarier. So much so that I have entirely avoided it for the 20 years we've been investing (except for some emergency funds in short-term corp). If someone made me put even 20% of my portfolio in bon...
by jhfenton
Mon Mar 16, 2015 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: An oddball portfolio suggestion: TR Income + equities
Replies: 5
Views: 802

Re: An oddball portfolio suggestion: TR Income + equities

It seems reasonable to me if you want to minimize tinkering while retaining efficiency. You really can't put your taxable investments on auto-pilot as easily as your tax-advantaged, so why not simplify the part you can as much as possible while keeping your overall asset allocation and glide path.
by jhfenton
Sun Mar 15, 2015 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Barron's article...Closed End Funds Advantage....
Replies: 14
Views: 2103

Re: Barron's article...Closed End Funds Advantage....

The online title is "Closed-End Bond Funds vs. ETFs". Non-subscribers can read it if they do a Google News search on the title and click on the link for the article.
by jhfenton
Sat Mar 14, 2015 8:13 am
Forum: Personal Finance (Not Investing)
Topic: tIRA rollover to HSA
Replies: 3
Views: 390

Re: tIRA rollover to HSA

You can transfer IRA money to an HSA one time, but it counts toward your annual HSA contribution. So it's not really a way to get extra money into an HSA.
by jhfenton
Fri Mar 13, 2015 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Need Your Advice on My Proposed AA
Replies: 15
Views: 1934

Re: Need Your Advice on My Proposed AA

I think the added risks are worth tilting to small and emerging markets, especially with your otherwise-very-conservative-for-a-30-year-old 75/25 portfolio. My wife and I (45 and 44) have a similar equities breakdown, albeit at 100% equities. We're at 30% large, 30% mid+small value, 15% developed in...
by jhfenton
Fri Mar 13, 2015 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Mutual Fund should I select?
Replies: 3
Views: 607

Re: Which Vanguard Mutual Fund should I select?

I agree. I'd throw all my money in the Target retirement fund for a few years. At that point you would meet the minimums for splitting things up and could either stay the course or split into a few or several funds depending on your preferences for simplicity or complexity.
by jhfenton
Wed Mar 11, 2015 10:13 pm
Forum: Investing - Theory, News & General
Topic: 100% Stocks Long Term Pro/Con
Replies: 51
Views: 5240

Re: 100% Stocks Long Term Pro/Con

We went 100% equities starting out 20 years ago and still are 100%. We've never sold out of equities or stopped our monthly scheduled contributions or changed our investments in a panic. It never even crossed our minds. We investment monthly or biweekly in our 401(k)s and HSA. We investment monthly ...
by jhfenton
Wed Mar 11, 2015 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Is my bond allocation scheme reasonable?
Replies: 9
Views: 646

Re: Is my bond allocation scheme reasonable?

I'm not a fan of reaching for excessive yield on the bond side of things and taking on too much risk. I don't plan to go heavily for high yield corporates or emerging markets sovereign debt. But I don't think that a reasonable mix of CD's, ~5-year treasuries, and a 5-year duration corporate bond fun...
by jhfenton
Wed Mar 11, 2015 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is my bond allocation scheme reasonable?
Replies: 9
Views: 646

Re: Is my bond allocation scheme reasonable?

Yes. It seems reasonable to me. I'm not there yet, but I plan some mix of intermediate treasuries and corporates. And I would do the same as you, mixing IT corp and ST corp to get the desired duration.
by jhfenton
Wed Mar 11, 2015 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Which 529 plan are you using?
Replies: 61
Views: 6649

Re: Which 529 plan are you using?

Our home state of Ohio. It's a good plan, with a state tax deduction.
by jhfenton
Wed Mar 11, 2015 3:37 pm
Forum: Investing - Theory, News & General
Topic: Any other investors with 70/30 portfolio?
Replies: 71
Views: 10450

Re: Any other investors with 70/30 portfolio?

My wife is 45, and I will be 45 this month, and we're at ~100/0 (excluding emergency funds) and plan to stay there until 50. We've been 100% equities continuously for 20 years. We have a gradual transition mapped out to 90/10 from 50 to 55, accelerating from there based on our plans. We could be any...
by jhfenton
Wed Mar 11, 2015 10:26 am
Forum: Investing - Theory, News & General
Topic: If 2% is real, we are . . . . ?
Replies: 63
Views: 7892

Re: If 2% is real, we are . . . . ?

That's why I find all the speculation about historical returns to be counter-productive. I model our portfolio through retirement with expected contributions and steady, slightly less than historical returns. Are they optimistic? I wouldn't have thought so. (I also don't have a 50-50 portfolio, so B...
by jhfenton
Wed Mar 11, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 22427

Re: What are some common misconceptions found in this forum?

No one should ever be invested in 100% equities (excluding emergency funds), no matter his or her time horizon, portfolio size, or demonstrated immunity to market panics. Again, there's a kernel of wisdom to the belief, but it's often presented as an inviolate principle, brooking no exceptions or h...
by jhfenton
Wed Mar 11, 2015 8:37 am
Forum: Investing - Help with Personal Investments
Topic: ER Considerations for Emerging Market Slice & Dicers
Replies: 4
Views: 458

Re: ER Considerations for Emerging Market Slice & Dicers

I currently draw the line at a separate EM small fund and just split my 40% international into Large (VEA) @ 15%, Sm/Mid (VSS) @ 15%, and Div Em Mkts (VWO) @ 10%. In 5 or 10 years, with a larger portfolio (currently mid-6 figures) and more investment options, I might reconsider. The same would go fo...
by jhfenton
Mon Mar 09, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 456
Views: 48840

Re: Will you buy an Apple Watch?

No, probably not this first generation Apple Watch. I like the design, but I suspect that they had to make too many compromises to get the size and battery life and sensors all acceptable. I'm a runner, and I'm interested in continuous HR monitoring, sleep monitoring, activity tracking, and GPS dist...
by jhfenton
Sun Mar 08, 2015 6:32 pm
Forum: Personal Consumer Issues
Topic: How do you watch TV differently after "cutting the cable"?
Replies: 23
Views: 3055

Re: How do you watch TV differently after "cutting the cable

Do you cable cutters still watch on TV or just on IPad, computer, etc? My rough personal estimate: 10% family TV, 10% iPad, 10% TV in front of my treadmill, 15% kitchen TV while doing dishes or cooking dinner, 50% 28" computer monitor. Those are the only three true TVs we have in the house: 42...
by jhfenton
Sun Mar 08, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: How do you watch TV differently after "cutting the cable"?
Replies: 23
Views: 3055

Re: How do you watch TV differently after "cutting the cable

It's a mix. I never watched too much TV, but it has decreased slightly. I spend more time (like right now) online surfing instead of watching a random basketball game that I don't really care about. But...we have a small TV in the kitchen, and it's still almost always on as background noise when we'...
by jhfenton
Wed Mar 04, 2015 10:32 am
Forum: Investing - Theory, News & General
Topic: Poll: Increasing international equities
Replies: 70
Views: 7212

Re: Poll: Increasing international equities

I increased international equity exposure about 5 or 6 months ago from 30% to 40% of total equity. There is no option offered for those who have already done so. Same here. I had already increased from 25-30 to 40% international in January in an effort to come closer to market weighting and add int...
by jhfenton
Tue Mar 03, 2015 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: VEXMX versus VGRAX
Replies: 7
Views: 708

Re: VEXMX versus VGRAX

If you had picked VGRAX 20 years ago and stuck with it the whole time, I would congratulate you on your good fortune. Assuming that you're picking it in hindsight now, I would point out that with as many folks as are trying, someone is bound to beat the market just by sheer luck.
by jhfenton
Sun Mar 01, 2015 8:30 pm
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 11452

Re: What's your average ER?

Our average expense ratio for all of our ETFs and mutual funds is 0.29%. If you exclude my wife's 401(k) and my HSA, the average for our taxable, Roth, IRA accounts, and my 401(k) is 0.13% (all Vanguard) ranging from 0.09% for VEA (FTSE Dev Mkts) and VMVAX (Mid Cap Value Index Admiral) to 0.19% of V...

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