| Money Talk|| re: Emergency fund opinions - saving$ on 2/11/13 at 8:53 pm|
1. 4 months
2. 6 months
3. 12 months
4. 13+ months
| Money Talk|| re: My company just switched all my retirement accounts to Fidelity... - saving$ on 1/7/13 at 10:30 pm|
Check out their Spartan funds. They are low cost index funds....
| Money Talk|| re: Short Sold A Spread 2 Years Ago, When Can I Refinance My "New" Mortgage? - saving$ on 1/6/13 at 6:54 pm|
[quote]Well you're welcome for the bailout.
| Money Talk|| re: Various Financial Questions - saving$ on 1/6/13 at 4:09 pm|
You're asking the right questions.
I think you would benefit immensely by reading "The Bogleheads' Guide to Investing".
| Money Talk|| re: Rank these financial priorities - debt, savings, etc. - saving$ on 1/6/13 at 4:06 pm|
[quote]A - Credit and other consumer debt including car loans
B - Student Loans
C - Emergency fund/savings
D - Retirement savings (up to company match)
E - Retirement savings (beyond company match)
F - Education savings for children's college
G - Mortgage [/quote]
1. C - 6 months of e...
| Money Talk|| re: What are a few strong Vanguard funds to get into... - saving$ on 1/4/13 at 2:38 pm|
VTI - 0.05
VTSMX - 0.17[/quote]
VTSMX - $3,000 min
VTSAX- $10,000 min
Using an ETF vs. Mutual Fund is for another thread....
| Money Talk|| re: What are a few strong Vanguard funds to get into... - saving$ on 1/4/13 at 11:54 am|
Total Stock Market captures the majority of the market (large, med, and small cap), so it provides more diversification than the S&P500 (large cap). It is also a tax efficent fund.
For your bond fund you need to determine the credit quality you want....
| Money Talk|| re: You have 50K - what do you do with it? - saving$ on 1/3/13 at 12:09 am|
[quote]If it were me i'd pay down any debt and beyond that mutual funds. look for over 10% return since inception and funds at least 10 years old.[/quote]
Past performance is not a guarantee of future results....
| Money Talk|| re: Predict the 12/31/2013 prices. The winners for 2013 are listed on page 9. - saving$ on 1/1/13 at 8:32 pm|
Dow Jones Industrials: 13798.70
S&P 500: 1504.63
10 year bond: 2.083%
30 year bond: 3.335%
Crude Oil (NYME): $102.53/barrel (WTI)
Natural gas: $3.25 (NYMEX)
Wholesale gasoline: $3.03/gallon
Edited my wholesal...
| Money Talk|| re: Achieving Goals and Feeling Unsettled - saving$ on 12/16/12 at 10:15 am|
[quote]I fear that I've rambled too much in this post, but to wrap everything up, I'd say that figuring out "what you really want to do" can in some ways be viewed as researching any other field of information that you want to know about. You have to figure out yourself better, the world around you ...
| Money Talk|| re: Debt Consolidation in BR? - saving$ on 12/9/12 at 10:19 am|
[quote]Off the top thinking $6,000 in debt total with $30,000 annual income
She does not need a debt consolidation, she needs a budget with a plan.
Point her to some personal finance blogs.
A few of my favs include:
| Money Talk|| re: Debt Consolidation in BR? - saving$ on 12/9/12 at 9:44 am|
[quote]My parents got out of 175k in debt in 5 years at the start of 2012. They both worked 4 jobs to do so. It sucked for everyone in the family.[/quote]
That's impressive. Congrats
| O-T Lounge|| re: Foxys health club - saving$ on 12/7/12 at 8:52 pm|
Go to the Anytime Fitness in Dutchtown. IMO the place is well kept, equipment is in good condition, and they have a good free weight selection. Not enough benches but it'll do.
| Money Talk|| re: I was very proud of my financial savvy until today - saving$ on 12/7/12 at 8:43 pm|
[quote]I closed last week on a 3.25% 30 year fixed rate mortgage with Pentagon Federal CU. Felt like I was stealing candy from a baby.
Was this a refinance or new loan? Points?
I closed recently 30 year 3.5%, 80% LTV, and 0 points. I too thought I was getting a good deal. Not a b...
| Money Talk|| re: Low Bond Yields - saving$ on 12/4/12 at 10:12 pm|
Not sure if you are familiar with this but I use a tool by morning star called Instant x ray.
[link=(http://portfolio.morningstar.com/Rtport/Free/InstantXRayDEntry.aspx)]LINK to X Ray[/link]
Really simplifies when I need to rebalance....
| Money Talk|| re: Low Bond Yields - saving$ on 12/4/12 at 10:10 pm|
I think I understand where you are coming from. I don't consider my emergency fund part of my portfolio allocation. In addition, all bond funds are kept in tax advantage vehicles.
Do you buy only individual stocks? How many stocks make up your portfolio? Do you equally weigh sectors?
| Money Talk|| re: Low Bond Yields - saving$ on 12/4/12 at 9:47 pm|
[quote]I have looked at "international" bond index funds but this is where it pays to read the prospectus - many of them are basically Euro bond funds or a combination of that and US Treasuries for uninvested cash. I once ran across one purported "international" fund that was 20% in European investm...
| Money Talk|| re: Low Bond Yields - saving$ on 12/4/12 at 9:00 pm|
[quote]I'm considering moving it into a decent dividend paying blue chip though.
I would not recommend this. [link=(http://www.morningstar.com/cover/videocenter.aspx?id=571880)]Check this video out[/link]
| Money Talk|| re: Low Bond Yields - saving$ on 12/4/12 at 8:57 pm|
[quote]That said, I have much greater overall bond exposure than you do (and my horizon is similar to yours).
I've read that studies show that an allocation of anything over 80/20 equities to bonds does not compensate for risk taken. That said even John Bogle has recommended investors ...
| Money Talk|| Low Bond Yields - saving$ on 12/4/12 at 7:56 pm|
What is the MT's thoughts on Total Bond Funds (index) right now and the supposed interest rate risk?
Are you making any changes to your asset allocation (bond/equity) or staying away from treasuries and using with munis and corporate bonds?
I have a ~30 year retirement horizon so I've shifte...