Search found 194 matches

by Slick8503
Thu Jul 19, 2012 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Help i have saved about 65,000 in the last three years
Replies: 25
Views: 5439

Re: Help i have saved about 65,000 in the last three years

I'm betting the OP has a 3/4 or 1 ton dodge truck with a Cummins motor, and not a semi or other large truck.
by Slick8503
Fri Jun 01, 2012 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Selling: Are FTSE and Tot. Int. "Different Enough?"
Replies: 39
Views: 3432

Re: Tax Loss Selling: Are FTSE and Tot. Int. "Different Enou

Yep. Many of us, use this combo for tax loss harvesting. I did this just yesterday. It appears I was a day early... :x
by Slick8503
Thu May 31, 2012 6:16 am
Forum: Investing - Theory, News & General
Topic: Rebalancing theory
Replies: 82
Views: 4841

Re: Rebalancing theory

I see this as Sharpe trying to "sell" his financial engines service to people who might otherwise put the money in their 401k into a target fund with cheaper expenses, and call it good.
by Slick8503
Fri May 25, 2012 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: 24, what to do what to do
Replies: 42
Views: 3107

Re: 24, what to do what to do

You should contribute the full 17000 to your 401k.
by Slick8503
Tue May 22, 2012 8:49 am
Forum: Personal Finance (Not Investing)
Topic: How would you treat house/farm land
Replies: 7
Views: 788

Re: How would you treat house/farm land

I love the idea of using farmland instead of gold in a variation of the Permanent Portfolio. It's a shame it's not very liquid. Would be pretty hard to rebalance. It does get rid of the drawbacks to gold(doesn't do much except be shiny), while still being uncorrelated to stocks, and a hedge against ...
by Slick8503
Mon Apr 16, 2012 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Renting Room of Personal Residence
Replies: 4
Views: 1096

Renting Room of Personal Residence

I'm tossing around the idea of renting a room of my personal residence for a few months this summer, and I would like the Bogleheads opinion on the situation. The details are as follows: I'm currently working away from home through the week. I have been leaving early Monday morning, and returning Fr...
by Slick8503
Mon Apr 02, 2012 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest 1,050,000
Replies: 29
Views: 3807

Re: How to invest 1,050,000

I am infatuated with dividend stocks because they pay you and they pay you even when the share price drops during a downturn.If we have the bond funds that continue to provide income even if their nav goes down,it just makes sense to me to have stocks that do the same.I will take a look at VHDYX. I...
by Slick8503
Sun Mar 18, 2012 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Going 50/50 Stable Value/TBM
Replies: 8
Views: 1190

Re: Going 50/50 Stable Value/TBM

Thanks for the replies all. Makes me feel a little more comfortable using the SV fund, but maybe not 50/50. I'm shooting for an AA of 80/20 so bonds don't represent a large percentage of my portfolio. Maybe adding SV and the rewards checking together for half of my bonds, and then leave TBM as the o...
by Slick8503
Fri Mar 16, 2012 1:00 pm
Forum: Investing - Theory, News & General
Topic: What is the ER of your Equity Portfolio now?
Replies: 55
Views: 3996

Re: What is the ER of your Equity Portfolio now?

.16 ~30% in a .02% SP500 401k fund helps.
by Slick8503
Fri Mar 16, 2012 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Going 50/50 Stable Value/TBM
Replies: 8
Views: 1190

Going 50/50 Stable Value/TBM

A year and a half after adopting low cost Boglehead style investing, I'm finally going to physically write down my IPS. I want to reduce my need to want to tinker. I'm working on nailing down the fixed income portion of my IPS. What I'd like to do is continue leaving my rewards checking maxed(3%) an...
by Slick8503
Tue Feb 21, 2012 10:16 am
Forum: Investing - Theory, News & General
Topic: WSJ: Index Funds Complicating The Markets?
Replies: 111
Views: 7961

Re: WSJ: Index Funds Complicating The Markets?

Agreed. I would imagine there will be a time in the future where indexing doesn't look so great. Seems to me like this is turning into a reversion to the mean argument in a way. Using your value stock pickers from the 80's as an example. They got killed in the 90's, and growth dominated. Growth then...
by Slick8503
Tue Feb 21, 2012 9:55 am
Forum: Investing - Theory, News & General
Topic: WSJ: Index Funds Complicating The Markets?
Replies: 111
Views: 7961

Re: WSJ: Index Funds Complicating The Markets?

If it's true that as the % of money in index funds grows, compared to the total market, it will be easier for active funds/investors to arbitrage gains, there should be some type of equilibrium reached. If index funds start consistently underperforming a huge majority of the active funds available, ...
by Slick8503
Mon Feb 06, 2012 3:28 pm
Forum: Investing - Theory, News & General
Topic: Who's Done Better...Homeowners or Renters?
Replies: 58
Views: 5872

Re: Who's Done Better...Homeowners or Renters?

250000(500000 if married filed jointly), must live there for two out of last 5 years.
by Slick8503
Mon Feb 06, 2012 12:35 pm
Forum: Investing - Theory, News & General
Topic: Who's Done Better...Homeowners or Renters?
Replies: 58
Views: 5872

Re: Who's Done Better...Homeowners or Renters?

But wait. There are a couple of differences between renting and buying with a mortgage. Rent goes up with inflation, but my mortgage payments would stay at $1k/month. Also, rent goes on and on, but my mortgage payments would come to an end in 10 years. And you get a tax deduction by paying a mortga...
by Slick8503
Fri Feb 03, 2012 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Re: HSA or Roth IRA?
Replies: 3
Views: 552

Re: HSA or Roth IRA?

Roth CONTRIBUTIONS(not gains) can be withdrawn with no tax or penalties at anytime. So for non-medical expenses the Roth withdrawal would make more sense. Taxes have already been paid on the money. If it is for a medical expense, then the HSA probably makes sense, as you are not taxed or penalized f...
by Slick8503
Thu Feb 02, 2012 3:04 pm
Forum: Investing - Theory, News & General
Topic: Anybody had success w/ 50%stock..50%bond allocation....
Replies: 37
Views: 5244

Re: Anybody had success w/ 50%stock..50%bond allocation....

The large number of posts made by members about upping their bond percentage screams of recency bias. No different than everyone yelling about 100% equities at the end of the 90's.

This thread makes me think a high % of equities will probably be the way to go the next 20 or so years.
by Slick8503
Tue Jan 17, 2012 2:40 pm
Forum: Investing - Theory, News & General
Topic: Improved Net Worth by Age [and plot]
Replies: 250
Views: 45247

Re: Improved Net Worth by Age [and plot]

I can see it now, yes. Thanks.
by Slick8503
Tue Jan 17, 2012 2:30 pm
Forum: Investing - Theory, News & General
Topic: Improved Net Worth by Age [and plot]
Replies: 250
Views: 45247

Re: Improved Net Worth by Age [and plot]

Image doesn't work for me, Bobblehead.
by Slick8503
Fri Jan 13, 2012 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on Real Estate Deal for Rental
Replies: 10
Views: 534

Re: Opinions on Real Estate Deal for Rental

I've been looking through CL ads, thanks for the help.
by Slick8503
Fri Jan 13, 2012 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on Real Estate Deal for Rental
Replies: 10
Views: 534

Re: Opinions on Real Estate Deal for Rental

I know every market is different, but could anyone give me an estimate as to what a 4 bedroom 2000 sq ft house would rent for in a midwestern town thats 30 minutes from a major metro area? Nice town, good school. I'm thinking 800 is low, but want to underestimate. It's hard to get a handle on this, ...
by Slick8503
Fri Jan 13, 2012 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on Real Estate Deal for Rental
Replies: 10
Views: 534

Re: Opinions on Real Estate Deal for Rental

I personally give myself an allowance of $5000 per year per property. This covers property tax, insurance, repairs, vacancies, and miscellaneous. I don't have advertising costs (use free sources like craigslist and local news classifieds that are free), no legal costs (manage to do it on my own), d...
by Slick8503
Fri Jan 13, 2012 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on Real Estate Deal for Rental
Replies: 10
Views: 534

Re: Opinions on Real Estate Deal for Rental

I would say that accounting and legal will cost you more than $100 per year. You'll probably need some legal advice before you rent. If you need to evict someone on the back end, you're looking at potentially thousands in fees. I'd also allot at least twice as much to maintenance. Even if you don't...
by Slick8503
Fri Jan 13, 2012 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on Real Estate Deal for Rental
Replies: 10
Views: 534

Opinions on Real Estate Deal for Rental

My father and I are contemplating a single family home purchase for a rental property. I've worked up a spreadsheet from a template online, and want some opinions on whether I've used reasonable numbers. I would also like to know if the Bogleheads would do the deal. I feel like I've underestimated t...
by Slick8503
Wed Jan 04, 2012 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Farmland as an investment
Replies: 39
Views: 4923

Re: Farmland as an investment

I will read your links, and I have read some from your point of view previously, but I want to add this first: The "the fertilizer used to grow it, the tractor used to harvest and haul it" inputs are baked into the price of the corn the plant is buying, if it were not, farmers wouldn't be selling it...
by Slick8503
Wed Jan 04, 2012 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Farmland as an investment
Replies: 39
Views: 4923

Re: Farmland as an investment

Profit definitely fits into the equation. How could it not? Resources have a value. How could the plant's #'s that I quoted be what they are if they had to pay for more dollars worth of resources than what they were producting, and still turn a profit? Your question was whether it could be true the...
by Slick8503
Wed Jan 04, 2012 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Farmland as an investment
Replies: 39
Views: 4923

Re: Farmland as an investment

Profit definitely fits into the equation. How could it not? Resources have a value. How could the plant's #'s that I quoted be what they are if they had to pay for more dollars worth of resources than what they were producting, and still turn a profit? Obviously the $.45 blenders credit expiring wil...
by Slick8503
Wed Jan 04, 2012 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Farmland as an investment
Replies: 39
Views: 4923

Re: Farmland as an investment

[quote="ValuethinkerI agree with you about the possibility of a farmland 'bubble'. A lot of institutional and sovereign wealth fund money is chasing farmland all over the world. In the 1970s, farmland was a 'sure thing' and it all ended unhappily. I had read about 30% of US corn goes into ethanol at...
by Slick8503
Mon Dec 19, 2011 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Should I invest in 401K?
Replies: 15
Views: 4473

Re: Should I invest in 401K?

The biggest factor in determining which type of IRA is "best", is what your future tax rate will be. If you expect your rate to be higher in the future then a Roth will be the better choice. If you believe your tax rate will be lower, then a traditional should be your first choice, so you can offset...
by Slick8503
Thu Dec 15, 2011 2:04 pm
Forum: Personal Consumer Issues
Topic: Online Diamond Earrings?
Replies: 18
Views: 1867

Re: Online Diamond Earrings?

Thanks for the suggestions so far. Will definitely check into them all. I had heard Costco sells a huge variety of goods, they just weren't "top of my mind" for jewelry.
by Slick8503
Thu Dec 15, 2011 10:32 am
Forum: Personal Consumer Issues
Topic: Online Diamond Earrings?
Replies: 18
Views: 1867

Online Diamond Earrings?

Wondering if any Bogleheads have purchased diamond earrings online. The best price I found was at superjeweler.com. Anyone familiar with this site? I've never purchased jewelry online so just looking for some feedback from those who have. I'm open to any other suggestions as well. Thanks.
by Slick8503
Tue Dec 06, 2011 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Investment Options for Farmer
Replies: 19
Views: 1151

Re: Investment Options for Farmer

The major corn/soybean states are up, up, up. Nebraska posted a 38% increase last year. Iowa around 32, Illinois is up similar, along with my homestate Indiana. I'm sure Ohio, MI, MN, WI are seeing similar increases, as well. I can't think of a reason for prices to fall for farmground in the last ye...
by Slick8503
Tue Dec 06, 2011 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Investment Options for Farmer
Replies: 19
Views: 1151

Re: Investment Options for Farmer

Where is your farmland located KyleAAA? That seems odd.

To the OP: My family, and most other farmers I know won't entertain the notion of selling their farm.
by Slick8503
Wed Nov 16, 2011 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Tax Loss Harvester
Replies: 11
Views: 789

Re: First Time Tax Loss Harvester

Ok. Thanks for the input.
by Slick8503
Wed Nov 16, 2011 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: First Time Tax Loss Harvester
Replies: 11
Views: 789

Re: First Time Tax Loss Harvester

Thanks for the responses. I did not realize I couldn't buy BAC in the 401k for the 31 day wash sale period. Might be a good reason to ditch the holding altogether. I'm a little confused by your post, livesoft. "The reality is that you should book all the losses that you have this year." Are you just...
by Slick8503
Wed Nov 16, 2011 11:19 am
Forum: Investing - Help with Personal Investments
Topic: First Time Tax Loss Harvester
Replies: 11
Views: 789

First Time Tax Loss Harvester

I've been researching the forum this morning about TLH. I think I've got all my bases covered, but want to make sure I haven't missed any "gotchas". First off: I currently own VTIAX in my taxable account at Vanguard. I have around 2300$ of capital loss for the year at the present time. My plan is to...
by Slick8503
Wed Jul 27, 2011 9:19 am
Forum: Investing - Theory, News & General
Topic: Interesting Read About the Growth Rate of Our Energy Use
Replies: 4
Views: 675

Interesting Read About the Growth Rate of Our Energy Use

http://physics.ucsd.edu/do-the-math/201 ... le-energy/

Just read the article, and though I wasn't entirely surpised at the numbers, still thought it interesting/thought provoking enough to share. I thought it would be nice to get a few Bogleheads' perspective on it.
by Slick8503
Sun Jul 17, 2011 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help with retiring early - How to plan 10 years out
Replies: 70
Views: 6970

The OP is planning on having 2 MILLION DOLLARS, a paid off house, and a wife with a teaching job to provide another 50k and health insurance! What the hell else does he need?! If u can't retire on that at any age, there is something wrong. All these what ifs are pointless and could just as easily ha...
by Slick8503
Wed Jul 13, 2011 10:31 am
Forum: Personal Consumer Issues
Topic: laundry or other chores you hate
Replies: 33
Views: 2876

I find it funny how some of you have such a hatred for a drier buzzer. I find it disgusting some of you never clean your tub! :lol:
by Slick8503
Fri Jul 08, 2011 8:13 am
Forum: Investing - Theory, News & General
Topic: DID Graham say "weighing machine in the long run?"
Replies: 65
Views: 12118

Who else thinks its awesome that nisiprius shoots out an email to Zweig, who gets an answer from Mr. Buffett himself?!

I would also like to say, that I've been a member of many different forums/boards, covering a wide range of topics, and nisiprius is my favortie "poster" by a wide margin.
by Slick8503
Tue May 24, 2011 10:36 am
Forum: Personal Finance (Not Investing)
Topic: For Dr. Bernstein on Bond Duration
Replies: 111
Views: 20627

As a(somewhat) recent adopter of the Boglehead way, certain aspects of this thread trouble me. We have Dr. Bernstein(whose book is highly touted here) basically market timing bonds.(I'm guessing due to Fed policy of buying treasuries). This seems to go against everything that I've come to love about...
by Slick8503
Thu May 19, 2011 11:49 am
Forum: Personal Finance (Not Investing)
Topic: How can gold help you in an economic collapse
Replies: 91
Views: 7858

I've asked a similar question before and one explanation made some sense to me. The basic idea this person had was that gold would be for "after TSHTF" and a new economy takes hold and people value gold again. Idk if I buy into all that though. I pretty much just file it in the "it's interesting, bu...
by Slick8503
Tue May 17, 2011 9:14 pm
Forum: Investing - Theory, News & General
Topic: Different Places for an Emergency Fund
Replies: 5
Views: 838

I just moved mine over to a high interest rewards checking account from Lake Michigan Credit Union. It draws 4% interest up to 15K, provided u meet a few requirements. I love it so far.
by Slick8503
Tue May 03, 2011 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Are Steakhouses worth it?
Replies: 68
Views: 9250

When I was younger and single, going out to such meals didn't phase me. Now that I have two kids, and a practical wife thankfully, we find we have other priorities for spending our meal or entertainment dollars. In some ways I miss those meals, but now they are just not right for me. The last time ...
by Slick8503
Mon May 02, 2011 8:59 pm
Forum: Investing - Theory, News & General
Topic: What kind of bonds does an investor need?
Replies: 27
Views: 5063

I don't agree with commodities upsurging with rising interest rates. Seems to me the opposite should happen. Recent history shows this to be the case.
by Slick8503
Sun May 01, 2011 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Buying Established Retail Business
Replies: 0
Views: 357

Buying Established Retail Business

I ran a google site search and didn't come up with anything... In the short time that I have been a member of this site I am very impressed with the knowledge base the membership has. Having said that, I'd like the forums opinion about a small business purchase. There is a retail business local to m...
by Slick8503
Thu Apr 28, 2011 8:33 am
Forum: Investing - Theory, News & General
Topic: re: advised by my computer security maven to leave Vanguard.
Replies: 166
Views: 18594

Uh...just make your password more complicated. Just because the minimum is weak doesn't mean yours has to be. Am I missing something?
by Slick8503
Fri Apr 22, 2011 4:47 pm
Forum: Investing - Theory, News & General
Topic: Why hold cash at all, why not use TIPS ?
Replies: 13
Views: 2331

TIPS for inflation, cash for defaltion, no?
by Slick8503
Thu Apr 21, 2011 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Interview/Test: Advises may wear casual clothes. Suggestions
Replies: 23
Views: 3093

Do not wear a tie.
by Slick8503
Thu Apr 07, 2011 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: 25 years old, 401k in Fidelity Freedom K 2040 or 2050
Replies: 5
Views: 4334

I'm with Turtle. U can do the equivalent to a TR fund in my fidelity 401k for much cheaper using individual index funds. The difference for me is around .6 or so in expense ratio, mostly due to the extremely cheap sp500 index fund choice I have available.
by Slick8503
Wed Mar 30, 2011 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Because we just don't have enough SC/SCV discussion...
Replies: 10
Views: 1307

I will try that livesoft. I couldn't think of the correct term for it, which really kills a good search. Thanks!