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Post by sd51555 on Feb 20, 2018 16:39:12 GMT -6
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Post by MoBuckChaser on Feb 23, 2018 18:50:15 GMT -6
I got to say, for the last month I have been trying to get all this investment crap in order we have. I had a gal then after 15 years she sucked, then I got a new gal for the last 7 years until she sucked. So I finally got fed up and tired of worrying about buying and selling stocks or funds and people calling, so we are consolidating everything from 3 banks and a investment company into 4 vanguard mutual funds with low fee's and no loads. Man what a fucking paperwork nightmare, never new I had Sep Ira's, Roth Ira's, Regular Ira's, 401K's, equity crap, stocks fucking junk bonds, who the fuck knows what other crap. But it will be so much nicer I think to just have it at one place and me in control. I hope to be able to just let it ride, and not look at it much. I am tired! I will say this the Guy we have at Vanguard is really good and patient with us. I have been pretty fucking crabby this past month doing this stuff if no one could tell......
Edit:, Oh Fuck, I forgot, I now need a fucking HSA! When will this shit fucking end!
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Post by Reagan on Feb 23, 2018 20:42:23 GMT -6
The Fair tax simplifies a lot of that. Of course you always like to say the Fair tax is a dumb idea.
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Post by Foggy on Feb 23, 2018 21:56:12 GMT -6
^ Life is messy. .
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Post by MN Slick on Feb 24, 2018 11:47:35 GMT -6
I got to say, for the last month I have been trying to get all this investment crap in order we have. I had a gal then after 15 years she sucked, then I got a new gal for the last 7 years until she sucked. So I finally got fed up and tired of worrying about buying and selling stocks or funds and people calling, so we are consolidating everything from 3 banks and a investment company into 4 vanguard mutual funds with low fee's and no loads. Man what a fucking paperwork nightmare, never new I had Sep Ira's, Roth Ira's, Regular Ira's, 401K's, equity crap, stocks fucking junk bonds, who the fuck knows what other crap. But it will be so much nicer I think to just have it at one place and me in control. I hope to be able to just let it ride, and not look at it much. I am tired! I will say this the Guy we have at Vanguard is really good and patient with us. I have been pretty fucking crabby this past month doing this stuff if no one could tell...... Edit:, Oh Fuck, I forgot, I now need a fucking HSA! When will this shit fucking end! Great plan MO!
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Post by MoBuckChaser on Feb 25, 2018 8:24:15 GMT -6
I got to say, for the last month I have been trying to get all this investment crap in order we have. I had a gal then after 15 years she sucked, then I got a new gal for the last 7 years until she sucked. So I finally got fed up and tired of worrying about buying and selling stocks or funds and people calling, so we are consolidating everything from 3 banks and a investment company into 4 vanguard mutual funds with low fee's and no loads. Man what a fucking paperwork nightmare, never new I had Sep Ira's, Roth Ira's, Regular Ira's, 401K's, equity crap, stocks fucking junk bonds, who the fuck knows what other crap. But it will be so much nicer I think to just have it at one place and me in control. I hope to be able to just let it ride, and not look at it much. I am tired! I will say this the Guy we have at Vanguard is really good and patient with us. I have been pretty fucking crabby this past month doing this stuff if no one could tell...... Edit:, Oh Fuck, I forgot, I now need a fucking HSA! When will this shit fucking end! Great plan MO! We will see if its a great plan or not in ten years. But had to make it a little more simple for the barracuda and the new husband in case I tip over sooner than later. These are the 4 funds I have in my noodle right now. Maybe you guys no more about this crap and can point me to something else. But for now I like these 4 funds and I like dividends!
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Post by terrifictom on Feb 25, 2018 9:22:05 GMT -6
Check out Vanguards 500 index fund.
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Post by sd51555 on Feb 25, 2018 9:41:51 GMT -6
We will see if its a great plan or not in ten years. But had to make it a little more simple for the barracuda and the new husband in case I tip over sooner than later. These are the 4 funds I have in my noodle right now. Maybe you guys no more about this crap and can point me to something else. But for now I like these 4 funds and I like dividends! Mo, those first two have almost the same stocks in them. Granted the second one is half bonds, you have more overlap there and are losing some diversification. Take a look at Vanguard Dividend Appreciation Index Adm: VDADX Those are the dividend aristocrats. If you've never heard of them, here's what they are. They are not high yielders (typically 1-3%), but they are companies that have a 25+ year record of raising their dividend payouts annually. I ripped off a majority of my portfolio from this type of fund and it's been good through the ups and downs. These show prudent management, business resiliency, and those dividend increases most of the time will drag up the valuation of those stocks over time. A classic and boring (but profitable!) one is Travelers Insurance: TRV. I would dump cash into Travelers when I had no better ideas at the time. They don't boom with the popular stocks, but they don't shit out on crash days either. They just soldier onward and upward and throw ever increasing amounts of cash at their shareholders.
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Post by MoBuckChaser on Feb 25, 2018 18:26:16 GMT -6
We will see if its a great plan or not in ten years. But had to make it a little more simple for the barracuda and the new husband in case I tip over sooner than later. These are the 4 funds I have in my noodle right now. Maybe you guys no more about this crap and can point me to something else. But for now I like these 4 funds and I like dividends! Mo, those first two have almost the same stocks in them. Granted the second one is half bonds, you have more overlap there and are losing some diversification. Take a look at Vanguard Dividend Appreciation Index Adm: VDADX Those are the dividend aristocrats. If you've never heard of them, here's what they are. They are not high yielders (typically 1-3%), but they are companies that have a 25+ year record of raising their dividend payouts annually. I ripped off a majority of my portfolio from this type of fund and it's been good through the ups and downs. These show prudent management, business resiliency, and those dividend increases most of the time will drag up the valuation of those stocks over time. A classic and boring (but profitable!) one is Travelers Insurance: TRV. I would dump cash into Travelers when I had no better ideas at the time. They don't boom with the popular stocks, but they don't shit out on crash days either. They just soldier onward and upward and throw ever increasing amounts of cash at their shareholders. Not really looking for major diversification. Just looking for solid 5 star or 4 star fund ratings with decent dividends. And with only so many blue chip stocks and zillions of mutual funds, almost every one has some overlapping stocks in them.
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Post by sd51555 on Feb 26, 2018 7:33:04 GMT -6
He was serious when he said this, so I guess it's more fitting here.
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Post by sd51555 on Feb 26, 2018 23:05:32 GMT -6
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Post by Tooln on Feb 27, 2018 2:33:20 GMT -6
Lately I've been buying silver and putting it in the safe.
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Post by MoBuckChaser on Feb 27, 2018 5:03:49 GMT -6
Lately I've been buying silver and putting it in the safe. You won't have a big enough safe to make any money.....
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Post by MoBuckChaser on Feb 27, 2018 5:15:54 GMT -6
Check out Vanguards 500 index fund. I did, and after using the expense calculator, switched a couple funds, went with the low cost index fund westbranch suggested VTSAX. Only .04 in commission. Also switched and went with a low cost tech index fund VITAX, and the healthcare fund that I had planned on VHCIX. Got maybe one more possibly two more funds to go yet. VHDYX High yield dividend, and VUIAX a Utility fund to go. Scraped the 2/3rds bond fund at my age yet, going to go for more yield. Will wait another 10 years before we start switching to bonds. Hope that don't come back and bite me in the ass! LOL!
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Post by terrifictom on Feb 27, 2018 6:19:33 GMT -6
Check out Vanguards 500 index fund. I did, and after using the expense calculator, switched a couple funds, went with the low cost index fund westbranch suggested VTSAX. Only .04 in commission. Also switched and went with a low cost tech index fund VITAX, and the healthcare fund that I had planned on VHCIX. Got maybe one more possibly two more funds to go yet. VHDYX High yield dividend, and VUIAX a Utility fund to go. Scraped the 2/3rds bond fund at my age yet, going to go for more yield. Will wait another 10 years before we start switching to bonds. Hope that don't come back and bite me in the ass! LOL! We only have 33 percent in bonds right now. We weathered the market correction better than most with only 6.5 percent drop and after yesterday should have gained all of that back.
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