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jjunk

chaz wrote:For a change of genre, "Sh#t My Dad Says" by Justin Halpern. Humor instead of crime, though some comedians are criminal.

I just finished "I suck at girls" by Halpern. One of the funniest books I've read in a long time.

jjunk

And here I thought the recent decline in Wellesley was just a good reason to buy more

jjunk

I'm in a similar boat as you but just a tad younger. We're also single income and I max out my 401k as well as my in plan Roth conversion after-tax 401k (20k/yr for my company). We have a year in expenses in savings and the rest we hold in a taxable account with Vanguard. I personally split my accou...

jjunk

I'm curious where Wellington/Wellesley fall into something like this? I know when I do back testing using Simba's old spreadsheet, rarely is a combination of the two beaten by a combination of index funds. I hold them both in my taxable account and I've considered moving to a straight index model in...

jjunk

I would agree with the previous posters that comparing Wellington to TSM isn't a good idea. A good comparison would be Wellington to the Balanced Fund since they're fairly close in overall allocation. The core difference is that one is actively managed and holds less diversification and one is compr...

jjunk

For me, it was about experience. I started investing right before the 2000 collapse when I didn't really have the money to lose (which meant I shouldn't have invested). Of course, I lost a good portion of that money. I didn't invest again for almost a decade, just in time to hit the next down turn. ...

jjunk

Interesting thread. I have a cool job, I do advocacy for a large software company. Basically, I take the feedback (good/bad) that I see globally from forums, social media, customer cases, etc. and then use that to affect changes to our platform to increase customer satisfaction with the use of our s...

jjunk

You can also use Bing Rewards for things like free Redbox rentals and Starbuck and Amazon.com gift cards. I haven't paid for a movie rental in over a year just by searching on Bing.

http://www.bing.com/explore/rewards

jjunk

FIDO RIP can be found here: https://www.fidelity.com/calculators-to ... me-planner

jjunk

I would tend to agree with you that Vanguard's customer service isn't on par with Fidelity specifically. Fidelity has always been very good. My personal feeling is that because I do almost all of my transacting with Vanguard online, I only need them once in a while. When I used their free CPA servic...

jjunk

I'm always interested in conversations like these as I am 50/50 Wellington/Wellesley in a taxable account. I'm still trying to understand the arguments for efficient fund placement vs. overall performance. When I look at something like the Tax-Managed vs. STAR over the last 10yrs, STAR outperforms e...

jjunk

That error happens when your mail client isnt the default for all mail operations. Not sure if you were correlating that to IE10 or update installs, but check just reset whatever you use for mail as the default for all mail operations and you should be back to normal.

jjunk

Thanks, I'll check the other thread out.

jjunk

Thanks for the feedback here. I appreciate both sides of the argument. I hold these in my taxable account. I got a late start on my 401k (which is in a target retirement fund) and after maxing out my deferred space, I started a taxable account. I chose to use Wellington/Wellesley because I liked the...

jjunk

That's fair. But if the argument for indexing is that its better than managed funds (which I generally agree with in principal btw), is it that it just doesnt bear out against these funds because of their low costs and/or value tilt?

jjunk

I recently was fortunate enough to recently to move into Voyager Select status in my Vanguard account which enabled access to their CFPs. One question that I had for them was, at 39, "am I doing it wrong?" because I'm weighted 50/50 in Wellington/Wellesley. My contention is that while past...

jjunk

Appreciate the reply's. I was personally curious as I'm 50/50 Wellington/Wellesley in my taxable accounts and continue to buy into Wellington as needed to keep my allocations proper. I was curious what others were/are doing with their allocations.

jjunk

I'm curious how owners of Wellington feel about this move? Are you holding, selling or allocating new funds?

jjunk

Thank you, that's a good point on moving my Wellesley shares to the Roth/Traditional IRA, I'll actually do that today.

I appreciate the suggestion.

jjunk

My form is below, here's my situation. My wife and I plan to retire in the next 11-16 years and utilize a combination of investment dividends and part time work. I plan to take Social Security at 62 (if it exists) as does she. We've conservatively estimated our SS benefits to be ~$1500/mo (today's d...

jjunk

I'm 50/50 Wellington/Wellesley in my Roth, Traditional IRA and taxable accounts. I'm indexed in my 401k only because Fidelity charges me to buy either of these two funds. I've struggled for the last couple of years with how to best allocate my overall investments. I found this site around that time ...

jjunk

Thanks everyone for sharing your opinions. I'm looking at paying ~5-7k/yr in additional taxes (based solely on what the fund gave out last year). When I compared it to a similar TSM+Muni portfolio, the returns were similar to what was mentioned here previously (about the same until the 10yr span). I...

jjunk

I currently hold a good bit of Wellington/Wellesley Admiral shares in a 50/50 mix in my taxable account. I'm happy with the overall mix and I wont need the money for 10-15 years. I'm a bit concerned about the tax consequences (in 28% bracket) and wondering how many others hold this as their core hol...

jjunk

nirvines88 wrote:No TV? Then you're missing out on THE LEAGUE

I remember there being more good looking movies than I had time to watch when I had Netflix. I was thinking about getting it again soon too.

I love the league, one of the funniest shows ever.

jjunk

Having just done a little of this myself, here's what I enjoyed from the streaming selection. I mostly use it for TV shows and documentaries. Documentaries: Exit through the Gift Shop Restrepo Man on Wire Winnebago Man Dear Zachary Running the Sahara For the Bible Tells me so Funny: A Good Old Fashi...

jjunk

"looking" i'm not sure if they have good doctors Cleveland Clinic is one of the best hospitals in the US, possibly the world. While not scientific, here's a recent rating by specialty: http://health.usnews.com/best-hospitals/area/oh/cleveland-clinic-foundation-6410670 I went to the CC Rai...

jjunk

tarnation wrote:Safety not Guaranteed

Excellent movie!

jjunk

Thanks for the advice and input so far. I appreciate those with holdings in these funds sharing their personal outlooks on them. @Noob: I don't really worry about the 1% drop in value, apologies if it came off that way. I worry that the nature of municipals might change (ie. that it will become more...

jjunk

Seeing as the other discussion on municipals has turned into a different thread at this point, I am looking for some advice. I currently hold a substantial amount of my funds in the Limited Term and Intermediate Tax Exempt Admiral shares at Vanguard. After the last few days, each has a modest (~1%) ...

jjunk

Buddtholomew wrote:How realistic is it that tax-exempt muni bonds will lose their favorable tax treatment?

As an investor with a decent amount of money in these funds, hopefully its not likely.

jjunk

For the two specific asset classes, no, there's nothing wrong with that. I think the point overall is that you'd need to figure out your asset allocation first and then fill your "buckets" based on tax advantages from there (see: http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_F...

jjunk

Personal favorites:
The Motorcycle Diaries
City of God
The Field

and a +1 to Waking Ned Devine, great movie!

jjunk

I'd personally recommend you do a little more reading on asset allocation before you invest this money so you understand what you're investing in and why you're investing in it. That said, VTI/Vanguard Total Stock (or Fidelity Total Stock) and their corresponding International (VXUS for Vanguard ETF...

jjunk

Shawn Achor has a very interesting book which is some related. Here's his TED Talk, very entertaining: http://www.ted.com/talks/shawn_achor_th ... _work.html

jjunk

Total Bond is worse to hold in taxable because your interest is taxed at normal rates. Currently that isn't the case for Total Stock Market. So its preferable to use Total Stock in a taxable account and use bonds in tax advantaged accounts (or buy municipal bonds in taxable) http://www.bogleheads.or...

jjunk

I am roughly 35% Limited Term, 65% Intermediate Term in my taxable portfolio but I think 50/50 would be fine.

jjunk

Thanks for the input (and information) everyone. Much appreciated!

jjunk

I'm a very conservative investor and have (to me) a large amount of my assets in the Intermediate and Limited Term Tax Exempt funds at Vanguard, mostly because it makes more than cash and I dont want to have any more in the stock markets than I already do. I realize that while these funds are divers...

jjunk

Thanks to both of you, I appreciate the input.

jjunk

I'm a very conservative investor, soon to be 40, and I have a question for the group. Is there any advantage to having more than one tax-exempt bond holding when considering a 15-20yr time horizon? I currently have moved a decent (read low six figures) of my cash savings into Intermediate Term Tax E...

jjunk

For me, it was when I turned 37. Eight months later, I sold it and now rent

jjunk

Thanks for the varying opinions/responses. I think I am going to reinvest the dividends in each as I will most likely add to the positions in this account over time. While I know the Boglehead position is to keep a full view of taxable and tax advantaged accounts, I separate mine in terms of how the...

jjunk

I've read threads about reinvesting dividends from funds such as Total Stock Market and I understand the plusses and minuses with that fund. What I am curious about is how many folks here handle money held in their taxable accounts that is in tax-exempt funds? For example, this month I put a decent ...

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