Search found 789 matches

by red5
Fri Jan 22, 2016 7:43 am
Forum: US Chapters
Topic: Hope everyone is well [Preparing for Eastern US blizzard]
Replies: 102
Views: 9670

Re: Hope everyone is well

In before the lock :D Staying in a rainy Southern Florida until I start driving back to MN on Sunday. Hoping all the bad weather id done before my drive. :shock: Perhaps we can make this actionable. If we can have thousands of posts on books we ought to be able to discuss what prudent measures one ...
by red5
Fri Jan 22, 2016 5:44 am
Forum: Personal Investments
Topic: Two Fund Equity Portfolio Long-term Return
Replies: 8
Views: 1264

Re: Two Fund Equity Portfolio Long-term Return

6% +/- 4%. And like you asked, this is just a guess.


In other words, nobody knows nothin'
by red5
Thu Jan 21, 2016 8:27 am
Forum: Personal Investments
Topic: Move to Bonds?
Replies: 18
Views: 2646

Re: Move to Bonds?

Might I just add that stocks are typically held in taxable accounts when there is no more room in tax-advantaged accounts for stocks. To each his own, but I do just the opposite. I fill tax-advantaged accounts with the least efficient funds first. Well I think we do the same actually. Perhaps my po...
by red5
Thu Jan 21, 2016 6:17 am
Forum: Investing - Theory, News & General
Topic: TLH fund of funds
Replies: 1
Views: 463

Re: TLH fund of funds

Have you done a thorough search about this? Ask a tax professional? My guess, and that is all it is, is that you can do that without triggering a wash sale. A retirement fund is not substantially identical to VTI. But I'm just an anonymous person on the internet too so take it for what it is worth.....
by red5
Thu Jan 21, 2016 5:55 am
Forum: Investing - Theory, News & General
Topic: Why buy now, why not wait until the market really crashes??
Replies: 79
Views: 14841

Re: Why buy now, why not wait until the market really crashes??

I am still learning, and I am staying the course with my portfolio 2/3 stocks, 1/3 bonds. I am seeing my portfolio steadily drop and have unrecognized losses of quite a bit. However; I see people saying they are buying. Why? The market is only down 12% or so, correct? Why buy stocks now, why not wa...
by red5
Thu Jan 21, 2016 5:48 am
Forum: Personal Finance (Not Investing)
Topic: Boglehead threads you wish had an update
Replies: 5
Views: 1114

Re: Boglehead threads you wish had an update

Apologies to the moderators if this is considered an inappropriate topic, but I'm wondering if there are particular Boglehead threads that have stuck with people, and they wish the OP had posted an update to let us know the outcome. For me, this thread https://www.bogleheads.org/forum/viewtopic.php...
by red5
Thu Jan 21, 2016 5:46 am
Forum: Personal Investments
Topic: Move to Bonds?
Replies: 18
Views: 2646

Re: Move to Bonds?

Bustoff wrote:Stocks are typically held in taxable accounts, while bonds are held in tax-advantaged accounts such as 401k's and IRA's.
Might I just add that stocks are typically held in taxable accounts when there is no more room in tax-advantaged accounts for stocks.
by red5
Thu Jan 21, 2016 5:44 am
Forum: Personal Investments
Topic: Going from 50/50 US/Int to All US
Replies: 86
Views: 9956

Re: Going from 50/50 US/Int to All US

Hi everybody. As you can tell I am seriously thinking of changing my asset allocation from half international to 0 international. I am reading more and more people whose opinions I respect say that int is unnecessary. Would love to read your collective thoughts on this. I am mid 30s, single, about ...
by red5
Wed Jan 20, 2016 7:55 am
Forum: Personal Consumer Issues
Topic: Buy a house with pool & What to look for?
Replies: 20
Views: 2691

Re: Buy a house with pool & What to look for?

What to look for? Look for a house without a pool. I'm sorry, I'm being cynical. I won't pretend to know the experiences of most people but the few people I DO know with a pool report seldom usage and occasional large repairs / expenses.
by red5
Wed Jan 20, 2016 5:33 am
Forum: Personal Consumer Issues
Topic: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k
Replies: 60
Views: 7317

Re: Which Mazda3 to buy? 2013 (53k miles) $12k, 2012 (27k miles) $15k, new 2015 $19k

The take away shouldn't be that the car will be $140/yr cheaper. There are way too many unknows (difference between getting to 120k miles versus 200k, cost of maintence in years 3-6,...). The take away is that the choice just doesn't mater much. You are not saving 5k by buying used. You are saving ...
by red5
Tue Jan 19, 2016 5:26 am
Forum: Personal Investments
Topic: Allocation question - change now?
Replies: 13
Views: 1528

Re: Allocation question - change now?

The best idea is to make a plan and then stick to it. Example: rebalance at specific times (quarterly or yearly). Example: rebalance when one asset is 5% too high or 5% too low (as a percentage of total invested assets). Trying to guess whether or not this is a "good time" to rebalance will just gi...
by red5
Tue Jan 19, 2016 5:07 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard incorrectly flagged wash sale - what to do?
Replies: 27
Views: 4471

Re: Vanguard incorrectly flagged wash sale - what to do?

Do you happen to have VXUS or its equivalent in another account, such as an IRA? If so that could cause a wash sale. I'm not sure if Vanguard would catch that or not as I've never tried. If not then common sense would tell me that you do not have a wash sale as you sold all your shares. But perhaps ...
by red5
Sun Jan 17, 2016 5:52 am
Forum: Personal Consumer Issues
Topic: how long can a car last?
Replies: 26
Views: 3089

Re: how long can a car last?

whomever wrote:
1)It can rust out. This depends on location, usage, and design.
This is the reason we are about to replace our car. It just got over 150k but just found out there is considerable rust underneath. Should have given it a wash more often I suppose.
by red5
Sat Jan 16, 2016 11:17 am
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 16644

Re: Who's buyin' today?

Got paid today so my I am. If it goes down a lot more, I will readjust my AA to buy more stocks. Other than that, just staying the course. It's best not to even peek during these events. In 10 years, this will be a non-event. Readjusting your AA and staying the course seem to contradict each other....
by red5
Sat Jan 16, 2016 5:28 am
Forum: Investing - Theory, News & General
Topic: Who's buyin' today?
Replies: 127
Views: 16644

Re: Who's buyin' today?

Got paid today so my I am. If it goes down a lot more, I will readjust my AA to buy more stocks. Other than that, just staying the course. It's best not to even peek during these events. In 10 years, this will be a non-event. Readjusting your AA and staying the course seem to contradict each other....
by red5
Sat Jan 16, 2016 5:20 am
Forum: Personal Investments
Topic: Asset Allocation check
Replies: 4
Views: 700

Re: Asset Allocation check

It looks great. Stay the course.
by red5
Fri Jan 15, 2016 1:50 pm
Forum: Investing - Theory, News & General
Topic: Anyone shifting their AA?
Replies: 91
Views: 9787

Re: Anyone shifting their AA?

If that happens do you have a plan for when it comes back to current levels? Just the reverse?
by red5
Fri Jan 15, 2016 5:42 am
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 9853

Re: What would you tell your 25 yr old self?

Your TV will be responsible for exactly 0 of the top 10,000 moments in your life. I take it you've not watched Breaking Bad then? Two memorable moments that came for me with family and friends were the 2001 (2002) Superbowl and game 7 of the 2001 World Series :D However it takes A LOT of sports wat...
by red5
Thu Jan 14, 2016 8:49 am
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 9853

Re: What would you tell your 25 yr old self?

wander wrote:Nothing.
This is probably the best answer I've read. If we didn't make mistakes at a young age who knows what will be different as time marches on.
by red5
Thu Jan 14, 2016 5:22 am
Forum: Investing - Theory, News & General
Topic: What do you use to calculate total % up or down each year?
Replies: 37
Views: 2852

Re: What do you use to calculate total % up or down each year?

As many others mentioned; Excel. If you really want to find out your return then read up on XIRR function which calculates your compound annual growth return (CAGR).

Otherwise, Morningstar has a powerful and free portfolio tracker tool.
by red5
Thu Jan 14, 2016 5:19 am
Forum: Personal Investments
Topic: My timing [stinks]!
Replies: 29
Views: 3862

Re: My timing sucks!

Many folks did the same, including myself. Don't panic. Stay the course. Even it stocks decline 50% or more you have thirty years of investing ahead of you.
by red5
Thu Jan 14, 2016 5:05 am
Forum: Investing - Theory, News & General
Topic: Ever get mad at the screen when the market is down
Replies: 32
Views: 3249

Re: Ever get mad at the screen when the market is down

Perhaps these emotions of yours indicate you are to heavily invested in equities. I don't even know how much the market is down but I'm going to guess around 10%. How mad will you be at your screen when the market goes down 30%, 40%, 50% someday.
by red5
Tue Jan 12, 2016 10:45 am
Forum: Personal Investments
Topic: Are there any cheaper stock index ETFs that are better than VTI and VOO?
Replies: 20
Views: 4321

Re: Are there any cheaper stock index ETFs that are better than VTI and VOO?

I am 35 , My investing plan is passive, I used to do buy and sell kind of investing couple of years ago and then I saw Frontline documentary Retrirement gamble thats when I heard first time from Jack Bogle, and I read his book common sense investing , fascinating book, I read Benjamin Graham's The ...
by red5
Tue Jan 12, 2016 6:21 am
Forum: Personal Investments
Topic: Are there any cheaper stock index ETFs that are better than VTI and VOO?
Replies: 20
Views: 4321

Re: Are there any cheaper stock index ETFs that are better than VTI and VOO?

I am looking for cheaper stock index ETFs, I already bought some VTI ETFs VOO ETFs I want to know what other options out there which are cheaper better than VTI and VOO.. May I inquire about your investing plan? VTI and VOO are fairly similar and some may claim they are redundant. Instead of buying...
by red5
Tue Jan 12, 2016 6:13 am
Forum: Investing - Theory, News & General
Topic: Do Emergency Funds Count as a part of Retirement portfolio?
Replies: 35
Views: 3773

Re: Do Emergency Funds Count as a part of Retirement portfolio?

I personally categorize my emergency fund as separate from my retirement portfolio. It is a mental exercise. I suppose for a similar reason I don't count my savings account money (for car, other life stuff) as part of my retirement portfolio either.

But there probably is no wrong answer either.
by red5
Tue Jan 12, 2016 6:11 am
Forum: Personal Investments
Topic: How come todays DOW (1-11-16) was up 52.12 ,that i lost5 money
Replies: 14
Views: 2349

Re: How come todays DOW (1-11-16) was up 52.12 ,that i lost5 money

Why ???? my portfolio show's total bond: -.03 total Intl: -.08 Total stock : -.02 "Come on Man" what the hell is going on?????????????????????????????? It is normal for the DJIA, S&P500 and Total Stock to not exactly track each other. It is normal for them to differ by a small amount on a daily bas...
by red5
Tue Jan 12, 2016 5:53 am
Forum: Personal Investments
Topic: Advice on how to invest $5000 each month
Replies: 15
Views: 3123

Re: Advice on how to invest $5000 each month

Instead of saying what you should do (because we don't really know much) I'll say what I would do. I would make sure I have an adequate emergency fund. Then I would probably look at paying down any debt that I may have, especially anything with a highish interest rate. Then I suppose I would look at...
by red5
Mon Jan 11, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 80
Views: 10662

Re: Password Management and Safekeeping

Yeahhhhh you really really might want to read the above linked page https://www.schneier.com/blog/archives/2014/03/choosing_secure_1.html because what you think "works" for you simple does not. tl;dr you aren't protecting against me guessing your password at the login page w/in three attempts. You ...
by red5
Mon Jan 11, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 80
Views: 10662

Re: Password Management and Safekeeping

Well we'll all just do it the way that works for us...
by red5
Mon Jan 11, 2016 2:16 pm
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 80
Views: 10662

Re: Password Management and Safekeeping

I memorize my passwords. I have a different one for each place. I am undoubtedly in the minority here but I just have a lack of trust in putting my passwords out there. I have a pretty good memory, but I could never remember all my passwords (and user names associated with those passwords). You mus...
by red5
Mon Jan 11, 2016 8:14 am
Forum: Personal Investments
Topic: How Am I Doing? 18 Years of Data
Replies: 47
Views: 7028

Re: How Am I Doing? 18 Years of Data

That is, the difference between "arithmetic" and "geometric". Without getting too deep into specifics, imagine a scenario where one year your portfolio was down 50%, and the next year it was up 100%. At the end of the two years, you are right back where you started. But with an arithmetic mean, you...
by red5
Mon Jan 11, 2016 5:45 am
Forum: Personal Consumer Issues
Topic: Considering Family Relocation - Seeking Wisdom
Replies: 39
Views: 6008

Re: Considering Family Relocation - Seeking Wisdom

This is only a tad bit similar to your situation. My family, which is similar in ages to your family, just made a move from one area of the country that we really disliked to another area of the country that we grew up in and are comfortable with. It meant moving from a warm place with a booming eco...
by red5
Mon Jan 11, 2016 5:34 am
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 80
Views: 10662

Re: Password Management and Safekeeping

WolfpackFan wrote:My guess is that if you are able to remember all your passwords for all the different sites you use then they're probably pretty easily susceptible to compromise.
I disagree.
by red5
Mon Jan 11, 2016 5:32 am
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 80
Views: 10662

Re: Password Management and Safekeeping

I memorize my passwords. I have a different one for each place. I am undoubtedly in the minority here but I just have a lack of trust in putting my passwords out there. I have a pretty good memory, but I could never remember all my passwords (and user names associated with those passwords). You mus...
by red5
Sun Jan 10, 2016 6:33 am
Forum: Personal Finance (Not Investing)
Topic: Lottery Win...Could a Boglehead handle it?
Replies: 79
Views: 7983

Re: Lottery Win...Could a Boglehead handle it?

A true Boglehead would not be buying a ticket. +1, re-invest the $2. a true Boglehead would not buy a lottery ticket. Off topic but... I dislike the idea of there being a "true Boglehead." Why is there a need to mentally categorize ourselves like that. It is similar to how many categorize themselve...
by red5
Sun Jan 10, 2016 6:25 am
Forum: Personal Consumer Issues
Topic: Password Management and Safekeeping
Replies: 80
Views: 10662

Re: Password Management and Safekeeping

I memorize my passwords. I have a different one for each place. I am undoubtedly in the minority here but I just have a lack of trust in putting my passwords out there.
by red5
Sun Jan 10, 2016 6:19 am
Forum: Personal Investments
Topic: Bonds in a taxable account instead of keeping cash on sidelines
Replies: 8
Views: 1663

Re: Bonds in a taxable account instead of keeping cash on sidelines

I hold bonds in a taxable account as part of my emergency fund. I realize this may not be the most tax efficient way of investing (and also carries more risk than cash). However I am okay with that. I am also in a low tax bracket. Do what allows you to sleep at night.
by red5
Sat Jan 09, 2016 5:30 am
Forum: Investing - Theory, News & General
Topic: I'm curious if over-weighting equity investors still ok?
Replies: 92
Views: 10528

Re: I'm curious if over-weighting equity investors still ok?

Staying the course over here. In fact we just balanced our accounts with lump sum IRA investments which meant buying equities.

So far this is merely a blip.
by red5
Sat Jan 09, 2016 5:27 am
Forum: Personal Finance (Not Investing)
Topic: Include 529 in net worth?
Replies: 32
Views: 5370

Re: Include 529 in net worth?

I don't. I don't think there is any "right" answer. I consider it to by my kids' money even if it is legally mine.
by red5
Sat Jan 09, 2016 5:20 am
Forum: Personal Investments
Topic: Roth IRA - Invest all in January or spread throughout the year?
Replies: 24
Views: 3581

Re: Roth IRA - Invest all in January or spread throughout the year?

We try to lump sum it all on the very first trading day of the year. There are a couple of reasons for this. It eliminates any iota of a desire to try to "time" the money, i.e. wait for a down day to invest which may not come for a while. In other words, it makes the decision to invest "mechanical" ...
by red5
Fri Jan 08, 2016 6:13 am
Forum: Personal Investments
Topic: Time to re-balance yet?
Replies: 7
Views: 1358

Re: Time to re-balance yet?

As did some of the previous posters I balanced our portfolio with new IRA contributions a few days ago. This meant heavy investments into international and emerging markets. Over the course of the year I check my allocation to see if there is a rebalancing need. In the past 4 years I have yet a requ...
by red5
Fri Jan 08, 2016 6:09 am
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 111
Views: 22979

Re: Tough Frugal Decisions

See this previous Bogleheads thread

That Frugal Thing You Do


There are many frugal things one can do. Most of them will save a bit of money. Applying this to living expenses (mortgage, rent...) and vehicle purchases can be much more impactful.

Good luck.
by red5
Thu Jan 07, 2016 12:47 pm
Forum: Personal Investments
Topic: How Am I Doing? 18 Years of Data
Replies: 47
Views: 7028

Re: How Am I Doing? 18 Years of Data

Goodman60 wrote:What do you folks think about my actual returns as well as my "dun good/not due so good" mental battle?
Are you on track to meet your goals? Did you have any goals established back in the late 90s? I think that is the ultimate litmus test.
by red5
Thu Jan 07, 2016 5:48 am
Forum: Investing - Theory, News & General
Topic: Question about individual stocks versus index fund?
Replies: 29
Views: 2598

Re: Question about individual stocks versus index fund?

Thanks for the knowledge, everyone! I really appreciate it. :D I've read up and decided an ETF would be the best for me at the moment. Should I just buy it at whatever the market price is or should I wait until VTI drops a little? Thanks!! Don't time the market, buy it today. Sure, it'll probably g...
by red5
Thu Jan 07, 2016 5:30 am
Forum: Investing - Theory, News & General
Topic: 2015 Performance
Replies: 12
Views: 1505

Re: 2015 Performance

Who made good money last year? I've been doing an annual review and am dismayed. The closure of 2015 represents my 2nd serious year of investing, and it's tough to see that I lost money last year. Maxing out 401k, Roth IRA, and then putting some more in taxable, and also knowing about dollar cost a...
by red5
Thu Jan 07, 2016 5:27 am
Forum: Investing - Theory, News & General
Topic: VBTIX distributions
Replies: 5
Views: 1082

Re: VBTIX distributions

I was looking over the statement from my TIAA-CREF RA, where I bought a bunch of VBTIX near the end of October, and the end-of-October dividend looks way too small. It seems to me they scale the dividend amount according to how long you've owned the fund (of the period the dividend covers), instead...
by red5
Thu Jan 07, 2016 5:20 am
Forum: Investing - Theory, News & General
Topic: Question about individual stocks versus index fund?
Replies: 29
Views: 2598

Re: Question about individual stocks versus index fund?

Thanks for the knowledge, everyone! I really appreciate it. :D I've read up and decided an ETF would be the best for me at the moment. Should I just buy it at whatever the market price is or should I wait until VTI drops a little? Thanks!! Don't time the market, buy it today. Sure, it'll probably g...
by red5
Thu Jan 07, 2016 5:19 am
Forum: Investing - Theory, News & General
Topic: Question about individual stocks versus index fund?
Replies: 29
Views: 2598

Re: Question about individual stocks versus index fund?

qwe7791 wrote:I'm going to be asking a very subjective question: Is owning a share of VTI better than a share of an index fund?
VTI is an index fund, just as VTSAX is. VTI is an ETF (exchanged traded fund) while VTSAX is its mutual fund counterpart.