Search found 326 matches

by RunningRad
Mon May 26, 2014 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 20916

Re: The in-laws are broke!

It would also be interesting to know precisely how one sibling ended up owning the house. Even if they paid off the mortgage, they could have effectively got a whole house for a fraction of the cost. There could be some serious financial shenanigans going on here. You have to insist on total disclo...
by RunningRad
Mon May 26, 2014 11:15 am
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 20916

Re: The in-laws are broke!

This has been an excellent (and therapeutic) thread for me. I have learned a lot and have some new ideas on how we can help more, without feeling abused. Several pointed out the childcare expenses that we had when the children were young. They were retired and in good health with little to do, and I...
by RunningRad
Sun May 25, 2014 11:37 pm
Forum: Investing - Theory, News & General
Topic: Question about REITS??
Replies: 54
Views: 4750

Re: Question about REITS??

I view REITs as distinct and worthy of investment as a separate allocation. The next logical question is whether international REITs also deserve an allocation? :wink:
by RunningRad
Sun May 25, 2014 11:22 pm
Forum: Personal Investments
Topic: Emerging Mkt Bonds: VWOB vs FNMIX
Replies: 4
Views: 1269

Re: VWOB vs FNMIX

The Fidelity fund is actively managed, and the Vanguard fund is a passive index fund, which helps explain some of the difference in measurables. It is not an asset class that I include in my portfolio, so I cannot comment any further.
by RunningRad
Sun May 25, 2014 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 20916

Re: The in-laws are broke!

Or sell it and move some place smaller and cheaper (i.e. the 2 bedroom apartment). Granted if they have spending problems they will just blow the lump sum and end up in a worse spot. House paid off = reverse mortgage. One of the brothers bought the house. They were underwater in the mortgage despit...
by RunningRad
Sun May 25, 2014 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 20916

Re: The in-laws are broke!

Thank you for the critique, advice, and support. The respect you give them now will come back to you when you are old. And your own children will be looking at how you treat Grandma and Grandpa. Give them a good example. This is an excellent point, and my wife and I have discussed this on numerous o...
by RunningRad
Sun May 25, 2014 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 20916

The in-laws are broke!

I believe that this issue has been discussed numerous times on these forums, but all situations are unique, and I thought I would bounce this off the bogleheads. As the title says, the in-laws are broke. They are in the late 70's and early 80's. My father-in-law, a financial planner by trade, did no...
by RunningRad
Sun May 25, 2014 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plans and UMTAs: do you include in net worth?
Replies: 8
Views: 1516

529 plans and UMTAs: do you include in net worth?

This is certainly not a pressing issue (more of a navel gazing issue ;) ), but I was curious if others consider 529 plans, UMTAs, and other assets held for children/dependents part of your net worth. I never have as they are funds not intended to be kept by me. How do others view this?
by RunningRad
Sat May 24, 2014 7:15 pm
Forum: Personal Investments
Topic: HSA Investments and Account Priorities
Replies: 1
Views: 671

Re: HSA Investments and Account Priorities

I have the same HSA plan and have similar issues and questions. I am not thrilled with the investment options and am considering transferring the assets to another vendor. 1. I am using the PIMCO Low Duration, Nuveen Index and Midcap Index, and the Europacific Growth Fund in a 60:40 stock to bond al...
by RunningRad
Sat May 24, 2014 7:08 pm
Forum: Personal Investments
Topic: Retirement Portfolio
Replies: 2
Views: 761

Re: Retirement Portfolio

Short of an annuity, there is nothing currently available that will give you (her) a risk free return of 4.25%. As a comp, the 30 year treasury bonds auctioned on 5/15 yielded 3.44%. Remember, the yield of the VWETX is neither guaranteed, for yield nor principal. Both will fluctuate with prevailing ...
by RunningRad
Sat May 24, 2014 7:02 pm
Forum: Personal Investments
Topic: Rate My Portfolio
Replies: 118
Views: 9199

Re: Rate My Portfolio

I generally like the portfolio. While the 5% positions may not change the outcome much, they will smooth the ride. I agree with the others re: duplicate real estate funds--one is enough…our as my friend says about dogs, two RE funds are one-and-one-half too many. ;) As for your retirement goal and w...
by RunningRad
Sat May 24, 2014 11:44 am
Forum: Personal Investments
Topic: Portfolio Progression (7 Year Update)
Replies: 17
Views: 3321

Re: New Boglehead'er - Investment Critique

1. I have no problem with your strategy. Just be clear that the Fidelity Four-in-One Fund is 15% fixed income and held in taxable account. 3. I use REITS only in my retirement (non-taxable) accounts. Learn about how they fit into your portfolio before taking the plunge. I believe that they are exce...
by RunningRad
Sat May 24, 2014 11:30 am
Forum: Personal Investments
Topic: Portfolio Progression (7 Year Update)
Replies: 17
Views: 3321

Re: New Boglehead'er - Investment Strategy

1. I have no problem with your strategy. Just be clear that the Fidelity Four-in-One Fund is 15% fixed income and held in taxable account. 2. I would not be in a rush to buy the house, but that is a personal/philosophical decision. The company's relocation policy is some comfort, but if you lose you...
by RunningRad
Sat May 24, 2014 11:23 am
Forum: Personal Investments
Topic: Need help picking a bond fund for 401k
Replies: 5
Views: 755

Re: Need help picking a bond fund for 401k

PIMCO Real Return is a commodity fund, not a bond fund, and I would avoid unless you are looking for commodity exposure.

I would choose the Vanguard Fund and/or the Stable Value fund (or some combination of the two), depending on your view of how fixed income fits in your portfolio.
by RunningRad
Sat May 24, 2014 11:15 am
Forum: Personal Investments
Topic: Portfolio Progression (7 Year Update)
Replies: 17
Views: 3321

Re: New Investor and New to Bogleheads!

I generally like what you are doing, and I think that you are way ahead of the game. I have a preference for the Europacific Growth Fund over the Fidelity Div International, but that is my personal choice, and I use it when it is there is no international index option (HSA and wife's 401k). You migh...
by RunningRad
Fri May 23, 2014 10:16 am
Forum: Personal Investments
Topic: Post your current AA
Replies: 41
Views: 3600

Re: Post your current AA

Age 48

70:30

25% US Large/core
15% US small value
20% Intl core
5% Intl small value
5% Emerging markets
20% Short term global bond
10% TIPS

(Using primarily DFA and Vanguard funds and ETFs)
by RunningRad
Fri May 23, 2014 6:52 am
Forum: Personal Investments
Topic: How much house should I buy? (young person with many assets)
Replies: 71
Views: 8322

Re: How much house should I buy? (young person with many ass

mw1739 wrote: I would move out of your parents house and rent a place for a year at minimum. You'll get a taste of what it costs to live in the real world.
That is a great point. It's a jump to move from one's parents house to an apartment, on their own, and an even bigger jump right to a house that you own.
by RunningRad
Fri May 23, 2014 5:39 am
Forum: Personal Investments
Topic: How much house should I buy? (young person with many assets)
Replies: 71
Views: 8322

Re: How much house should I buy? (young person with many ass

I think that technically the OP could afford the house. At age 25, I did not have the maturity, lifestyle, or professional stability, not to mention cash flow, to own one. Leaking roofs, water in the basement, A/C going out on a hot day, etc. would have put me over the edge. (They still do.) Owning ...
by RunningRad
Thu May 22, 2014 5:01 pm
Forum: Investing - Theory, News & General
Topic: Your 529 Plan - Thoughts and Strategies
Replies: 43
Views: 7290

Re: Your 529 Plan - Thoughts and Strategies

I'm a little jealous of those of you who have decent in-state 529 plans that provide state tax benefits. My state plan (ND) provides state income tax benefits, but the investment options have high fees (.85%) that over the life of the account would wipe out all the tax benefits (and more). :annoyed...
by RunningRad
Thu May 22, 2014 3:32 pm
Forum: Investing - Theory, News & General
Topic: What do you think of this portfolio?
Replies: 17
Views: 1895

Re: What do you think of this portfolio?

I am good with it. I might tweak slightly and go with bond index or short/intermediate term bond fund and swap a commodity fund for the gold position.
by RunningRad
Thu May 22, 2014 9:20 am
Forum: Personal Investments
Topic: New 401K, I need your feedback on my investing plan
Replies: 9
Views: 1256

Re: New 401K, I need your feedback on my investing plan

Hello, Just to clarify, Pimco Real Return is a commodity fund, not a bond fund per se, but they do use bond positions for collateral (which makes it a less pure play on commodities and also makes it a somewhat confusing selection :? ). If it were me, I would be inclined to do: VINIX 50% RERGX* 40% J...
by RunningRad
Wed May 21, 2014 9:13 pm
Forum: Personal Investments
Topic: Are international investments irrelevant?
Replies: 12
Views: 1695

Re: Are international investments irrelevant?

I think that one could make the argument to skip the large cap core element of international (what you get in total international funds like VEA), and, for diversification purposes, use only the small cap and emerging markets components.
by RunningRad
Wed May 21, 2014 9:00 pm
Forum: Investing - Theory, News & General
Topic: anyone rebalancing into emerging markets?
Replies: 19
Views: 2377

Re: anyone rebalancing into emerging markets?

Bracket wrote:Over the last year yes quite a bit. Over the past few months? No as they have been going up.
Same here. I am always rebalancing into emerging markets (and other underperforming asset classes).
by RunningRad
Wed May 21, 2014 8:58 pm
Forum: Investing - Theory, News & General
Topic: Your 529 Plan - Thoughts and Strategies
Replies: 43
Views: 7290

Re: Your 529 Plan - Thoughts and Strategies

1. How old are your children who you're saving for? 12 and 15 2. Which 529 Plan do you invest in? Missouri "MOST" plan 3. What's the current balance? Each account has approximately $130,000 4. How much do you contribute and how often? How did you come to this number? I have generally adde...
by RunningRad
Wed May 21, 2014 3:37 pm
Forum: Personal Investments
Topic: Managed Account Fees
Replies: 9
Views: 1190

Re: Managed Account Fees

There is a firm in New Orleans, FPL Capital Management, http://am.fplcapital.com/fees/, who will manage model Vanguard or DFA portfolios, of any size, for as little as $1000.

(I have no relationship with the firm, but, at one time, considered using them for a DFA-based portfolio)
by RunningRad
Wed May 21, 2014 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a semi-boglehead
Replies: 13
Views: 1811

Re: Becoming a semi-boglehead

I recently left an advisor, one who I had worked with me on my retirement plan assets for 7+ years. I informed him by email. He was very gracious, and he said he would facilitate the change and asked if I would meet with him. I agreed to a phone conversation in which he thanked me for my business an...