Recent content by ranch111

no job?

Alot more than 90% of Americans. Way more than anyone I know.

We almost bought a house in our neighborhood that was worth twice as much as the one we live in now. It had a huge 1300 sq ft shop behind the house that was very cool and the house very nice as well. To get into this house would have meant selling our current home (at the price we wanted) and...

VTGIX has a yield of 1.71% and an expense ratio of .15. I'd shop around and see if you can get better rates.

I invested 13k about 3 years ago into VTGIX (Vanguard Tax-Managed Growth and Income Fund Investor Shares ). It has a 10k minimum. Since then, I have added more funds to different asset classes in my after-tax portfolio (foreign, small cap, bonds, mid-cap index, reit). Recently I have picked...

92 4-Runner (mine, 240k and running like new) 03 Tundra Both paid for. I will put a new engine in my 4-runner when it gives it up. That's not anytime soon. Toyotas rule.

I dollar cost average, so I don't really care what the market does. In twenty years when I look at what I've got, the current market correction will have been one of many. It's all about time and compounding.

I've learned that being loyal to a company only gets you so far. You'll probably get screwed somewhere along the line.

Alec, The money would be invested in DFA funds. Just confirmed that with my dad. http://www.dfaus.com/ He suggested to me that if I didn't feel comfortable with the direct fee management that I go and try to construct a similar portfolio through Vanguard. I think for him it's letting someone...

Yeah, I've been thinking about doing the index thing myself and saving the fees. There is a one time fee of $1500 for them to write up a plan and construct the portfolio. After that it's the .5% fee forever. It's like a freaking car payment forever. The difference in the amount of securities...

The returns would be 14.39% averaged over time(20+ years) compared to 12.7% for a Diversified Index Portfolio. The 14.39% is the net after the .5% direct fee and mutual fund expense ratio. This is all from what I've read and not from what I know. That's why I'm aking others for opinions and...

I've been given the opportunity through the firm that handles my dad's money to invest all of my retirement in a Market Return Portfolio. My money will be spread over Institutional Asset Class Funds. These funds are low cost and tax efficient. It's all based on Harry Markowitz's theoretical...

My 401k cranked out 19% this year.