Search found 343 matches

by gnosis
Wed Nov 24, 2010 9:42 am
Forum: Investing - Theory, News & General
Topic: Deleted
Replies: 98
Views: 11942

100% VFITX for my aggressive stock/bond allocation of 80/20, and our average age is 31. My bond allocation was 100% Total Bond Market until I recently read that VFITX is a better fit for a bond fund in an aggressive portfolio.
by gnosis
Sat Nov 20, 2010 4:56 pm
Forum: Personal Investments
Topic: CDs Instead of Bonds??
Replies: 42
Views: 6213

Police & Fire Federal Credit Union has 5-year CD dividend rate of 3.21%, APY 3.25%

http://pffcu.org/rates/rates_certs.asp
by gnosis
Thu Nov 18, 2010 9:36 am
Forum: Investing - Theory, News & General
Topic: Daily vs monthly vs annual vs band rebalancing: an exercise
Replies: 23
Views: 5094

Thanks RBK. Are you sure you calculated them as defined? Yep. Scaled prices on first day to 1, z(t) = log(f) - log(g) where f is value of stocks and g is value of bonds (so for day 1 this was 0). Only calculated squared differences of Z from one rebal day to the next rebal day, then summed over all...
by gnosis
Thu Nov 11, 2010 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Geico car insurance
Replies: 33
Views: 6279

There is no company that I despise, that I hate more than GEICO. They will cheat money out of you one way or another. When I was with them, they made me pay for a big chunk of my car accident repairs because they said that some of the damage was not accident-related. Unbelievable. Then, recently a G...
by gnosis
Fri Oct 29, 2010 11:53 am
Forum: Personal Investments
Topic: What to do with small windfall...
Replies: 22
Views: 3552

With that windfall, your total porfolio would go up to about $150k. I would change from Target Retirement fund to the common Vanguard funds, like Total Stock Market, Total International, Total Bond. But that's just me. Option #2 would be to put the windfall into a 1- to 5-year CD ladder, about $5,20...
by gnosis
Tue Oct 26, 2010 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: If you see a coin on the sidewalk, what do you do?
Replies: 116
Views: 21879

I leave it there for someone who really needs it. Charity! Makes me feels good knowing that I donated that money to someone in need. A kid with cancer, a starving family, a thirsty alcoholic. Then I'll write it off on my taxes as a charitable donation. I give thousands to charity every year this way...
by gnosis
Mon Oct 25, 2010 10:51 am
Forum: Personal Investments
Topic: New Member Investment Portfolio Analysis and Questions
Replies: 7
Views: 1282

Welcome! Which of those available funds guarantee you 5.5% after-tax return? Answer is none. I would work on paying off that 5.5% student loan, since your income is too high for any of the loan interest to be tax-deductible. That 5.5% student loan is equivalent to I believe around 8% before taxes. T...
by gnosis
Sun Oct 24, 2010 8:53 am
Forum: Personal Finance (Not Investing)
Topic: Advice on my student loan: To pay off or make payments?
Replies: 37
Views: 4317

Re: Similar question - different parameters...

Considering the same question, but with different parameters... I'm 9 years into a 30 year student loan with a rate of 4.375% and no tax advantages. Outstanding balance is about $50k. The question is, do I pay off now and have about $340 per month to direct into investments or use the $50k I would ...
by gnosis
Sat Oct 23, 2010 10:32 am
Forum: Personal Consumer Issues
Topic: TireRack tire installation
Replies: 41
Views: 13314

I don't trust tire rebates since I got screwed by Continental tires. I was supposed to get a camera and it never showed up. By the time I called them and asked where the hell is my camera, they said the promotion is over and they don't honor any pending orders once the promo expires, so they wouldn'...
by gnosis
Sat Oct 23, 2010 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Advice on my student loan: To pay off or make payments?
Replies: 37
Views: 4317

Yes you should pay off that debt ASAP. The interest rate is high, and you said it yourself, you hate being in debt and it constantly consumes your thoughts. Debt is bad. Get rid of it.
by gnosis
Fri Oct 22, 2010 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Pay car off early?
Replies: 12
Views: 2411

Pay it off to improve cash flow. Don't think so much about the $400 interest saved by paying off early. Instead, think about how good it'll feel too pay that S.O.B. off right now and have several hundred extra in cash every month afterward! You've already paid several thousand in interest over the l...
by gnosis
Thu Oct 21, 2010 10:02 pm
Forum: Personal Consumer Issues
Topic: TireRack tire installation
Replies: 41
Views: 13314

You are right about that. As a consumer I'm focused on the warranty, which is 70,000 at Sams vs 60,000 from Tire Rack. Maybe the TR tires ride a bit better, but does that warrant an additional ~$175 especially if the warranty is less? What are some metrics a consumer can use to compare tires beside...
by gnosis
Thu Oct 21, 2010 9:51 pm
Forum: Personal Investments
Topic: Just recently plunked $3000 into the VTSMX
Replies: 38
Views: 7302

So, you have no debt whatsoever? No car loan? No credit card balances with interest?
by gnosis
Thu Oct 21, 2010 9:42 pm
Forum: Personal Investments
Topic: Just recently plunked $3000 into the VTSMX
Replies: 38
Views: 7302

I'm going to be micro-investing in the coming months with ridiculously small amounts on sharebuilder. I won't lie, I'm young and I definitely harbor the delusional hope that I'll somehow "beat the market" on good days (I'm more a believer in behavioral economics than EMH, but that might be my Psych...
by gnosis
Thu Oct 21, 2010 5:13 pm
Forum: Personal Consumer Issues
Topic: TireRack tire installation
Replies: 41
Views: 13314

I need tires within the next year or so. Why would I use tire rack for 2000 Honda Civic? TireRack tires 240.00 (60,000 mile warranty) shipping 35.88 (if I wait til 10/31 or 64.00 for shipping now ) + tax Installation: mounting + balancing $15/tire disposal $2/tire TPMS service (?) $5/tire Optional:...
by gnosis
Thu Oct 21, 2010 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Car broke down, borrowed a lexus...
Replies: 35
Views: 7551

soaring wrote:Whatever you buy check the price here.

http://amexnetwork.zag.com/main.html
TrueCar.com or Zag.com is the source of that website
by gnosis
Thu Oct 21, 2010 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to decide what to do with a lump sum
Replies: 28
Views: 4228

If you decide to pay down the mortgage, then before you pay it down call the mortgage companies 800 number and ask if they will do a loan modification and recalculate the mortgage paymnet if you pay $nnK down. This will keep the same term and interest rate but reduce your required monthly payment. ...
by gnosis
Thu Oct 21, 2010 11:55 am
Forum: Personal Consumer Issues
Topic: TireRack tire installation
Replies: 41
Views: 13314

I would just go ahead and call around to find out. Get it from the horse's mouth! It can't hurt for you to call one of the listed official TireRack participitating shops and ask if they could do the job for cheaper than what TireRack lists them as charging. Also can't hurt to call up Costco and ask ...
by gnosis
Wed Oct 20, 2010 9:10 pm
Forum: Personal Investments
Topic: Appreciate some financial advice
Replies: 32
Views: 6325

Thanks, it's a great feeling. It's nice to become borderline obsessed with doing things that are good for you -- paying down debt and saving for the future.
by gnosis
Wed Oct 20, 2010 7:29 pm
Forum: Personal Investments
Topic: Appreciate some financial advice
Replies: 32
Views: 6325

Update! It's been over 2 years since my original post, and I'd like to share with you all of the wonderful new changes in my financial picture. We decided this year to pay off our car instead of funding Roth. We plan to start a nice debt snowball by using the $500 monthly car loan money towards payi...
by gnosis
Thu Oct 07, 2010 9:21 pm
Forum: Personal Consumer Issues
Topic: How long do you keep a car *Really*?
Replies: 148
Views: 24051

natureexplorer wrote:We need a similar thread for houses.
... or our women?
by gnosis
Tue Jul 20, 2010 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Discover Card is offering a $250 cashback bonus
Replies: 24
Views: 8875

Sheepdog wrote:I have $250 bid. Now $500. Do I hear $1000?

The day a credit card company offer $1,000 cash back is the day I worry about another major global financial meltdown.
by gnosis
Tue Jul 20, 2010 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Discover Card is offering a $250 cashback bonus
Replies: 24
Views: 8875

MBMiner wrote:Interesting. I just received today an offer of $500 back, but I must spend $2,000 a month for August through December.
Bruce
I got the same offer last month. You bet I'm in on this deal. It's an extra 5% cash back on top of the usual 5% cash back from rotating categories.
by gnosis
Wed Jun 30, 2010 1:15 pm
Forum: Investing - Theory, News & General
Topic: S&P500 as a percentage of Total Stock Market
Replies: 12
Views: 10134

Re: S&P500 as a percentage of Total Stock Market

According to the bogleheads.org/wiki http://www.bogleheads.org/wiki/Approximating_Total_Stock_Market S&P500 is 80% of the Total Stock Market (TSM). (Though it does say `These percentages were computed on Aug 16, 2008.') On standardandpoors.com is says `The index includes 500 leading companies in le...
by gnosis
Fri Jun 18, 2010 11:09 am
Forum: Personal Investments
Topic: Asset Allocation Survey Results
Replies: 4
Views: 1349

Do you know the average age of the participants?
by gnosis
Thu Jun 17, 2010 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Try to pay down mortgage, car finance or invest in stocks?
Replies: 11
Views: 2042

When does that ARM increase? What's the balance on that mortgage? That car loan rate is so low, I'd just keep paying the monthly payments to maintain liquidity.

I'd put the money into my emergency fund or invest it into a Roth.
by gnosis
Wed Jun 16, 2010 6:23 pm
Forum: Investing - Theory, News & General
Topic: If the stock market's not rational, should you own stocks?
Replies: 33
Views: 3054

The market does not make decisions, so how can it be described as being irrational? The market isn't irrational. People are irrational.

"Guns don't kill people. People kill people." -- George Carlin
by gnosis
Wed Jun 16, 2010 1:22 pm
Forum: Personal Investments
Topic: Investment advice for my daughter
Replies: 10
Views: 1930

Re: Investment advice for my daughter

My daughter is entering her Sr. year of college and has become interested in investing as she has started saving more from her parttime job on campus. I have had a Roth IRA for her since HS and a joint acct. for her at Schwab. She wants to start having $50/mo taken from her checking to invest direc...
by gnosis
Fri May 28, 2010 4:08 pm
Forum: Personal Investments
Topic: I have $25000, what should I do?
Replies: 34
Views: 7512

Sell all of it. Since you have no savings, put it into a savings account as a true emergency-only (unexpected expenses) fund. Get some term life insurance while it's cheap because you're young and hopefully a healthy non-smoker.
by gnosis
Fri May 28, 2010 3:58 pm
Forum: Personal Investments
Topic: What first brought you to the Boglehead way of investing?
Replies: 70
Views: 10473

An anesthesiologist mentioned he's "with" Vanguard, so when I came home that day I looked it up.

You could say that's how I discovered Bogleheads philosophy, or you could say it's really because I live 15 minutes from Vanguard headquarters, so naturally there are Bogleheads everywhere I go!
by gnosis
Fri May 28, 2010 3:51 pm
Forum: Personal Investments
Topic: Staying comfortable with just 4 VG funds in portfolio
Replies: 27
Views: 5801

fire5soon wrote: would adding 10% or so of SV be worth the trouble over the long term?
Possibly, and there is only one way to find out!
by gnosis
Wed May 26, 2010 10:47 pm
Forum: Personal Investments
Topic: "Ultimate Buy & Hold" - which 401k funds would
Replies: 7
Views: 1861

In my opinion you need more expose to US Equities like S&P 500 , they have been killed past 10 years compare International markets , so it is time to emphasize on our domestic stocks . So something more like this? Roth IRAs: 7000 Foreign SV VFSVX Vanguard FTSE All-Wld ex-US SmCp Idx Inv 7000 Foreig...
by gnosis
Wed May 26, 2010 10:34 pm
Forum: Personal Investments
Topic: "Ultimate Buy & Hold" - which 401k funds would
Replies: 7
Views: 1861

There is $27,500 in the 401k and 17,000 in two IRAs. I know the portfolio size is small, so at this point I may be splitting hairs with nit-picking my funds, but I'm learning in the process so to me it's worth it. Here's what I thought: Roth IRAs: 7500 Foreign SV VFSVX Vanguard FTSE All-Wld ex-US Sm...
by gnosis
Wed May 26, 2010 9:27 pm
Forum: Personal Investments
Topic: "Ultimate Buy & Hold" - which 401k funds would
Replies: 7
Views: 1861

"Ultimate Buy & Hold" - which 401k funds would

Desired Asset allocation: 80% stocks/20% bonds 62% of our investments are held in her 401k, and the other 38% is held between our two Roth IRAs. ___________________________________ Available funds in her 401k: Fixed Income: Vanguard Admiral Treasury Money Market Portfolio PIMCO Stable Value Fund PIM...
by gnosis
Sun May 23, 2010 4:06 pm
Forum: Personal Investments
Topic: Is it just me, or are more Bogleheads switching to ETFs?
Replies: 16
Views: 2141

LadyGeek wrote:You might find some answers in my paranoid thread about ETFs: Why the big deal with ETFs? Are mutual funds going away?
Thanks, that link pretty much answered all of my questions about ETFs! I don't plan to pursue any ETFs, because adding them would complicate my wonderfully lazy portfolio.
by gnosis
Sun May 23, 2010 3:11 pm
Forum: Personal Investments
Topic: Is it just me, or are more Bogleheads switching to ETFs?
Replies: 16
Views: 2141

Is there any potential downside with converting any or all of my index funds into their equivalent ETFs? So far, I see the positives as: no minimum initial investment to open, e.g. $3000. This allows one to potentially slice and dice more easily. looks like the ETFs have lower ERs. Why isn't everyon...
by gnosis
Sun May 23, 2010 2:52 pm
Forum: Personal Investments
Topic: Is it just me, or are more Bogleheads switching to ETFs?
Replies: 16
Views: 2141

Is it just me, or are more Bogleheads switching to ETFs?

I've been on this forum for the past few years and feel like I've finally got my portfolio set up nicely, all with Vanguard index funds, but recently I'm noticing more and more thread topics on ETFs. Is this because their index fund equivalents have higher expense ratios, so Bogleheads are switching...
by gnosis
Sat May 22, 2010 7:45 pm
Forum: Personal Investments
Topic: Volatility is back - how do you invest?
Replies: 5
Views: 1418

It's more like you're not driving the car, but rather a blindfolded passenger.
by gnosis
Fri May 21, 2010 3:00 pm
Forum: Personal Investments
Topic: Latest dip has me rethinking my portfolio
Replies: 21
Views: 4237

When determining asset allocation, adjust your stocks down to the "sleeping point"
by gnosis
Fri May 14, 2010 11:43 am
Forum: Personal Investments
Topic: asset allocation question
Replies: 19
Views: 2928

gnosis, What do you think about Jeremy Siegel and his book, "Stocks for the Long Run." He thinks that stocks are going to revert to their long term mean and he still believes that stocks are going to beat other asset classes by a wide margin in the long term. My only goal with the asset allocation ...
by gnosis
Fri May 14, 2010 11:28 am
Forum: Personal Investments
Topic: asset allocation question
Replies: 19
Views: 2928

Here's a good discussion of why you need bonds. I remember reading that thread when it was fresh last year and I still think that it was one of the most helpful discussions I had come across to help me determine my asset allocation and the value of bonds. Good find! I'm bookmarking that one for sure.
by gnosis
Thu May 13, 2010 11:02 pm
Forum: Personal Investments
Topic: asset allocation question
Replies: 19
Views: 2928

Re: asset allocation question

I’m inclined to do S&P 500, small company index, total international index, REITS, and a short term investment grade bond fund (expecting interest rates to rise), but I’m unsure if I have enough money to allocate the $43,000 correctly. Also, I feel like it’s a bad time to put money into bonds due t...
by gnosis
Thu May 13, 2010 10:36 pm
Forum: Personal Investments
Topic: asset allocation question
Replies: 19
Views: 2928

It's never a bad thing to read as much as you can about asset allocation, reward and risk, stocks, bonds, REITs, TIPS, etc. Your passion for investing WILL help you get to where you want to be later in life. However, most of what is discussed on these forums isn't all that important for your situati...
by gnosis
Tue May 11, 2010 4:05 pm
Forum: Personal Investments
Topic: The Balance of Liquid Savings vs. Retirement/Educational Sav
Replies: 2
Views: 908

What are the interest rates on your car loans? If they're both about 5%, you're paying about $100 every month on interest, and I'd pay them off right away. Otherwise it looks to me like you're in great shape, nothing to worry about. It's all about cash flow!
by gnosis
Fri Apr 30, 2010 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast vs Verizon
Replies: 27
Views: 7724

You can also live chat with a rep on the internet . I did this last month and the convo went very similarly to the one in the article. They basically looked up the best possible price for me immediately and applied it. delisim , you are the greatest! Thank you so much for that link. Live online cha...
by gnosis
Fri Apr 02, 2010 2:51 pm
Forum: Personal Investments
Topic: Which Vanguard Funds to use in a Roth rollover IRA?
Replies: 6
Views: 1150

Welcome!
It depends on what your entire portfolio looks like. Please post your stats in this format: http://www.bogleheads.org/forum/viewtopic.php?t=6212
by gnosis
Fri Mar 26, 2010 9:16 pm
Forum: Personal Consumer Issues
Topic: Creatine
Replies: 48
Views: 6742

In my opinion there is no reason to take it. If I could go back in time after all of the things I learned I would just say eat, stretch, and lift heavy things. The stronger he gets the better athlete he will be. Deadlifts and squats will do more for his wrestling then any pill every will. I wouldn'...
by gnosis
Fri Mar 26, 2010 4:58 pm
Forum: Personal Consumer Issues
Topic: Creatine
Replies: 48
Views: 6742

Is he supplementing with whey and/or BCAA already? I'd incorporate those before creatine, as protein and amino acid supplements will provide long-lasting results. Creatine is rather temporary. When you stop taking it, you can tell. Your son should read as much as he can about exercise, nutrition, su...
by gnosis
Sat Feb 27, 2010 10:38 am
Forum: Personal Investments
Topic: David Swensen's advice on bonds and debt
Replies: 44
Views: 8980

The way I see it, my mortgage is nothing more than a dam in my river of cashflow. 8) It's my ultimate negative bond.
by gnosis
Sat Feb 27, 2010 12:02 am
Forum: Personal Investments
Topic: David Swensen's advice on bonds and debt
Replies: 44
Views: 8980

I'm just going to say what most folks here would say: Debt is a negative bond. In my situation, I plan to pay off my car this summer, which is currently a $20k loan @ 5% with 3 years left on it. I believe it's most likely that the bond portion of my portfolio will not beat that 5% after-tax interest...