Search found 435 matches

by boglephreak
Tue May 24, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: How much Umbrella Insurance?
Replies: 44
Views: 7019

Re: How much Umbrella Insurance?

i have 2mm umbrella because (1) it wasnt that much more expensive than 1mm; (2) i have three rental properties; and (3) i live in california where judgments are higher. i thought about getting more, but didnt think it was worth it. $2mm plus my auto or homeowners should cover most lawsuits.
by boglephreak
Tue May 24, 2016 6:42 pm
Forum: Investing - Theory, News & General
Topic: New rules for retirement advisors rolled back
Replies: 4
Views: 1029

Re: New rules for retirement advisors rolled back

https://www.washingtonpost.com/business/republicans-aim-to-block-stricter-rule-on-retirement-savings/2016/05/24/40b30806-21d1-11e6-b944-52f7b1793dae_story.html I'm trying to understand the motivation behind blocking the fiduciary standards rules for retirement advisors. Aside from anything politica...
by boglephreak
Tue May 24, 2016 2:28 pm
Forum: Investing - Theory, News & General
Topic: Musings on Wikipedia post on Jack Bogle
Replies: 12
Views: 1483

Re: Jack Bogle and his words of wisdom

I never read any of his books. protagonist: After making 3850 posts on the Boglehead Forum, I find it almost unbelievable that you have not read any of Jack Bogle books which I believe are the best single source of investor information in the world. in the last few weeks, i have read (in this order...
by boglephreak
Tue May 24, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 12544

Re: How do Bogleheads TRAVEL?

favorite places: jordan (petra, epheseus) Jordan, eh? It is one of the few countries that I have hardly known anybody to visit. I almost made the trek to Petra when I was in Jerusalem a few years back but it didn't work time-wise. It is supposed to be quite amazing. I have traveled elsewhere in the...
by boglephreak
Mon May 23, 2016 11:21 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads TRAVEL?
Replies: 81
Views: 12544

Re: How do Bogleheads TRAVEL?

> How do you book travel: all-inclusive packages or piecemeal? > How do you book flights: cheapest available on kayak or with specific airlines based on loyalty/credit card programs? > How do you get around: rent cars vs public transit vs uber/taxi? > Where do you sleep: fairest price on hotels.com...
by boglephreak
Mon May 23, 2016 12:35 pm
Forum: Investing - Theory, News & General
Topic: irreverent??? [Bogleheads' Guide to Investing]
Replies: 19
Views: 3308

Re: irreverent???

i read it as upsetting tradition and the norm. similar to a sunday school child questioning the lesson of the day; the teacher usually isnt amused at this irreverent conduct. in context, i dont think its a negative.
by boglephreak
Mon May 23, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: Lessons from the past - digging though old work records
Replies: 27
Views: 5301

Re: Lessons from the past - digging though old work records

As i am reading books on investing (and this forum), I always wonder how a financial advisor can give so much bad advice to clients. Is it "reasonable minds may differ?" Is it that they just don't know any better (in which case why are they providing advice)? Or is it, most hopefully not, that they ...
by boglephreak
Fri May 20, 2016 4:18 pm
Forum: Personal Consumer Issues
Topic: Is living in the Bay Area this difficult?
Replies: 49
Views: 10631

Re: Is living in the Bay Area this difficult?

i bought in 2007 in the bay area, and my condo is still 75% of the value i purchased it for. i dont consider that okay. =) I am surprised - what area is this? By and large, I see the home prices are MUCH higher than the 2007 peak today. I bought my townhouse for $700k in 2011, when neighboring hous...
by boglephreak
Fri May 20, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Is living in the Bay Area this difficult?
Replies: 49
Views: 10631

Re: Is living in the Bay Area this difficult?

Home prices in some areas are insane. If you buy a house in this bay area market now (peak), you are likely to never get close to getting your money out in 5-8 years. In desirable areas, home buyers are getting in bidding wars and homes are selling above the asking price. Paul How good have your pa...
by boglephreak
Fri May 20, 2016 1:34 pm
Forum: Personal Investments
Topic: Terrible 401k options...what to do?
Replies: 17
Views: 1436

Re: Terrible 401k options...what to do?

Money Market
JP Morgan Prime Money Market 1.96%
are these those reverse interest funds i have been hearing about?

kidding aside, you were not joking when you said your 401k has terrible options.
by boglephreak
Thu May 19, 2016 10:12 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2694
Views: 1782269

Re: The Three-Fund Portfolio

The VGTSX (Total Int'l Stock) has been dropping and dropping it seems like. I am getting frustrated with it. How much percentage is in everyone's 3 fund? the cheapness is part of the reason i ultimately decided to add int'l instead of just doing US Total Mkt for equities. i am buying a ton of it wh...
by boglephreak
Thu May 19, 2016 6:57 pm
Forum: Personal Consumer Issues
Topic: Is living in the Bay Area this difficult?
Replies: 49
Views: 10631

Re: Is living in the Bay Area this difficult?

All: We are considering a move to the Bay Area, purely for better job opportunities. I am not particularly excited about the HCOL/housing prices, etc. but feel that for 5-8 years, it will be a good move for us. I (39) work in healthcare consulting , wife (34) works in biotech R&D. 2 kids (2 year, 4...
by boglephreak
Wed May 18, 2016 5:49 pm
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 81
Views: 10393

Re: For those of you in the Accumulation Phase - How often do you check?

since so many people regularly check, i was wondering if anyone knows a way that i can put all of my investing accounts' information on just vanguard's webpage so that it regularly updates and i only have to look at one place. i have a 401k with fidelity, wife's 401k with principal, and the rest are...
by boglephreak
Wed May 18, 2016 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Reality check - how am I doing
Replies: 63
Views: 10310

Re: Reality check - how am I doing

financially, you appear to be doing very well.

personally, i think your choice to save all your money and not enjoy your life to its fullest (based on the limited information available) while you are young is a mistake you will regret in the future.
by boglephreak
Wed May 18, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Is it common for a step mother to inherit everything?
Replies: 105
Views: 61486

Re: Is it common for a step mother to inherit everything?

sure, hire a lawyer and contest the estate. then your father's estate will go to the lawyers, not his wife (as he may have intended) or to his children (which appears may not have been planned, so not intended). i am a lawyer in a nasty dispute between children (one of whom was disinherited) and the...
by boglephreak
Mon May 16, 2016 5:38 pm
Forum: Investing - Theory, News & General
Topic: The inventor of the 401(k) says he created a ‘monster’
Replies: 28
Views: 6792

Re: The inventor of the 401(k) says he created a ‘monster’

for the first ten years of my career, i dont think i would have invested absent a 401k. all of my money would have went into paying down mortgages on various properties. i only recently started getting into investing and opened a vanguard account last month because i was running out of debt to pay o...
by boglephreak
Mon May 16, 2016 4:43 pm
Forum: Investing - Theory, News & General
Topic: Bond Index Funds - The turning tide from active
Replies: 45
Views: 5667

Re: Bond Index Funds - The turning tide from active

Critics say the way bond index funds are constructed will hurt them when interest rates begin rising. Can someone explain this criticism from the article? Is it because the length of the bonds in index funds is longer and locks in today's low interest rates, whereas presumably actively managed fund...
by boglephreak
Sat May 07, 2016 2:00 pm
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 31176

Re: Where is Rick Ferri?

A prior thread had multiple posts removed and was locked for speculation. However, there appears to have been some legal issue between Ferri and Portfolio Solutions. This is not speculation...it is fact. As such, the moderators should not remove this post. I'm not saying that anything came of the s...
by boglephreak
Fri May 06, 2016 5:12 pm
Forum: Investing - Theory, News & General
Topic: [POLL] Learning to invest
Replies: 55
Views: 6871

Re: [POLL] Learning to invest

other. bought a few properties, paid off most of my debt, decided it was time to stop paying down my last mortgage and do something else with my money. brother introduced me to bogleheads and i started reading with earnest. previous 10 years of 401k contributions were based on whatever my FA told me...
by boglephreak
Fri May 06, 2016 12:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard live video webcast: Keys to building a successful investment portfolio
Replies: 15
Views: 2374

Re: Vanguard live video webcast: Keys to building a successful investment portfolio

That's an exceptionally unrevealing poll. Most of us don't use international Bonds (and the reason for their use has never been completely clear to me), so it is impossible to tease out the actual portion of international equities which people are using because their bond allocation may vary, as th...
by boglephreak
Wed May 04, 2016 9:43 pm
Forum: Investing - Theory, News & General
Topic: Your age in bonds minus ten? Not according to Vanguard
Replies: 93
Views: 17287

Re: Your age in bonds minus ten? Not according to Vanguard

Vanguard recommended 100% stocks to me. 60 total us, 40 total intl.

https://personal.vanguard.com/us/funds/ ... mmendation

i am 36 (wife is 29) going for 90/10, but we have significant RE assets.
by boglephreak
Tue May 03, 2016 12:02 pm
Forum: Personal Investments
Topic: 401k Portfolio Advice [UPDATED 10/18/16; New 401k Offerings]]
Replies: 29
Views: 3671

Re: 401k Portfolio Advice

Just wanted to report that after reviewing the Three Fund Portfolio thread, and reading the advice in this thread, I spoke with my 401k provider (Fidelity). They have agreed to swap out our current S&P 500 index fund (ER: .5%) for their Spartan 500 Index Fund (Advantage Class) (ER: .05%). Thats abou...
by boglephreak
Fri Apr 29, 2016 3:11 am
Forum: Investing - Theory, News & General
Topic: International Funds Worth it?
Replies: 52
Views: 10368

Re: The Three-Fund Portfolio

just got through the 29 pages, whew, that was a ride. very informative and helpful. one question that has been nagging throughout was the inclusion of int'l stock. correct me if i am wrong, but it appears that the inclusion of int'l stock is mostly to control risk through further diversification (i....
by boglephreak
Wed Apr 27, 2016 9:29 pm
Forum: Personal Investments
Topic: 401k Portfolio Advice [UPDATED 10/18/16; New 401k Offerings]]
Replies: 29
Views: 3671

Re: 401k Portfolio Advice

that is incredibly helpful, and thank you for the time you spent putting together a response (it appears it took you quite a while and its appreciated). i am in the process now of re-allocating our 401k assets to your (and the posters above) recommendations. also, trying to finish the three-fund por...
by boglephreak
Tue Apr 26, 2016 8:42 pm
Forum: Investing - Theory, News & General
Topic: "For bondholders, rising interest rates can have an upside"
Replies: 25
Views: 4584

Re: "For bondholders, rising interest rates can have an upside"

Good timing for me. I spoke with a financial advisor and he said absolutely do not put money into bonds right now with the interest rates so low. He said it would be better (assuming i was willing to risk it) to put it all in index funds for the time being and wait until bonds are better; he also s...
by boglephreak
Tue Apr 26, 2016 6:52 pm
Forum: Personal Investments
Topic: 401k Portfolio Advice [UPDATED 10/18/16; New 401k Offerings]]
Replies: 29
Views: 3671

Re: 401k Portfolio Advice

OOPS, I added a question while you were typing a response -- 5) what is the interest rate being paid on FA STABLE VALUE (NONE) (1.02%) in his 401k? and now -- 6) can you give us links to the fact sheets for these 2 funds in her 401k? BLACKROCK US DEBT INDEX W FUND (.05%) BLACKROCK EQUITY INDEX T FU...
by boglephreak
Tue Apr 26, 2016 4:29 pm
Forum: Investing - Theory, News & General
Topic: "For bondholders, rising interest rates can have an upside"
Replies: 25
Views: 4584

Re: "For bondholders, rising interest rates can have an upside"

Bottom line, in general not for me specifically, is it a good/bad idea to dump a large sum (for me, $50k) in bonds with the current low interest rates? The FA was very against it ( "isnt even up for discussion" ) and I (in my uneducated opinion) tend to agree: take more risk now with stocks, and al...
by boglephreak
Tue Apr 26, 2016 3:39 pm
Forum: Personal Investments
Topic: 401k Portfolio Advice [UPDATED 10/18/16; New 401k Offerings]]
Replies: 29
Views: 3671

Re: 401k Portfolio Advice

Welcome to the forum :) . after reviewing quite a bit of the three fund portfolio thread and other posts on this website, i am rethinking whether to put some money in bonds. because i want the bonds in the tax-deferred accounts, i was thinking of maxing out my wife's 401k with just bonds, and putti...
by boglephreak
Tue Apr 26, 2016 3:01 pm
Forum: Investing - Theory, News & General
Topic: "For bondholders, rising interest rates can have an upside"
Replies: 25
Views: 4584

Re: "For bondholders, rising interest rates can have an upside"

Good timing for me. I spoke with a financial advisor and he said absolutely do not put money into bonds right now with the interest rates so low. He said it would be better (assuming i was willing to risk it) to put it all in index funds for the time being and wait until bonds are better; he also su...
by boglephreak
Mon Apr 25, 2016 6:31 pm
Forum: Personal Investments
Topic: 401k Portfolio Advice [UPDATED 10/18/16; New 401k Offerings]]
Replies: 29
Views: 3671

Re: 401k Portfolio Advice

after reviewing quite a bit of the three fund portfolio thread and other posts on this website, i am rethinking whether to put some money in bonds. because i want the bonds in the tax-deferred accounts, i was thinking of maxing out my wife's 401k with just bonds, and putting all my 401k money into t...
by boglephreak
Sat Apr 23, 2016 8:42 pm
Forum: Personal Investments
Topic: 401k Portfolio Advice [UPDATED 10/18/16; New 401k Offerings]]
Replies: 29
Views: 3671

Re: 401k Portfolio Advice

@krow36 so i have been researching the backdoor roth ira (missed the 2015 deadline, oops) and i do think its a good idea. but i am a little concerned about some people who are saying it is going to disappear and be converted back into an ira (it was apparently part of a 2015 tax plan). i am not real...
by boglephreak
Fri Apr 22, 2016 11:39 pm
Forum: Personal Investments
Topic: 401k Portfolio Advice [UPDATED 10/18/16; New 401k Offerings]]
Replies: 29
Views: 3671

Re: 401k Portfolio Advice

Her 401k: BLACKROCK EQUITY INDEX T FUND (.03%)---a S&P 500 index fund VANGUARD SMALL CAP GROWTH INDEX INSTITUTIONAL FUND (VSGIX) (.07%)----with the above fund, equals total stock market fund BLACKROCK US DEBT INDEX W FUND (.05%) (skip Int'l stock in her 401k) His 401k: DREYFUS S&P 500 INX (PEOPX) (...
by boglephreak
Fri Apr 22, 2016 10:08 pm
Forum: Personal Investments
Topic: 401k Portfolio Advice [UPDATED 10/18/16; New 401k Offerings]]
Replies: 29
Views: 3671

Re: 401k Portfolio Advice

Why do you say that an IRA doesn't work well with your income bracket? It looks fine to me so you'll have to explain that. Maybe your effective federal income tax rate is 23.6% but what is your bracket? our income exceeds the threshold so we dont receive any tax deduction for amounts put into the I...
by boglephreak
Fri Apr 22, 2016 7:06 pm
Forum: Personal Investments
Topic: 401k Portfolio Advice [UPDATED 10/18/16; New 401k Offerings]]
Replies: 29
Views: 3671

401k Portfolio Advice [UPDATED 10/18/16; New 401k Offerings]]

Hello all! I am updating this thread to get some advice on updating my fund selections (original op is below). As of 10/17/16, we now have four! index funds in my 401k to purchase. We were previously limited to just S&P 500. So, now I am debating how to change my fund selections to best take advanta...