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Re: Does your employer still offer pensions to new hires?

Locked. General comment threads are off topic in the Personal Forums. On topic threads must meet the following requirements: - It must be personal. In other words, you must be asking about your own situation. You can also ask on behalf of someone specific, such as a family member. - It must be acti...
by Alex Frakt
Tue Sep 02, 2014 4:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your employer still offer pensions to new hires?
Replies: 54
Views: 3641

Re: New US bank bail-in policy...how to prepare?

Locked. Off topic under at least 3 of the following forum policies: UNACCEPTABLE TOPICS Politics and Religion In order to avoid the inevitable frictions that arise from these topics, political or religious posts and comments are prohibited. The only exceptions to this rule are: ⋅ ... &sdot...
by Alex Frakt
Tue Sep 02, 2014 4:20 am
 
Forum: Investing - Help with Personal Investments
Topic: New US bank bail-in policy...how to prepare?
Replies: 6
Views: 801

Re: Once your house appreciates +$250k, sell it?

What's the catch (if you're single, no kids)? The catch is that you pay broker fees on the entire value of the house plus moving costs, while you only pay capital gains taxes after recouping your purchase price + capital expenditures + $250k. Most of the time (if you have a choice) you'll be better...
by Alex Frakt
Tue Sep 02, 2014 3:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Once your house appreciates +$250k, sell it?
Replies: 36
Views: 2368

Re: Password help

Direct link if you are logged in: ucp.php?i=profile&mode=reg_details
by Alex Frakt
Tue Sep 02, 2014 3:06 am
 
Forum: Forum Issues and Administration
Topic: [How do I change my password?]
Replies: 3
Views: 259

Re: Help me buy Disney stock for my kids

If/when the gifts reach $3k in value can you exchange them for Lifestrategy Growth?
by Alex Frakt
Tue Sep 02, 2014 3:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Help [with account to hold] Disney stock for my kids
Replies: 6
Views: 471

Re: 100% Stock Thread Collection

This thread is on-topic. Performance chasing is a very real issue in investing. The 100% stock threads are only the most obvious example, we see the same issue in slice and dice versus total market threads and suggested holdings for every asset class. They all vary based on the past 3 to 5 year ret...
by Alex Frakt
Mon Sep 01, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 48
Views: 2719

Re: The Power of Zero: [Book and tax planning for retirement

I know people who are well off that are considering moving away from family and friends to a no income tax state. I get the substantial savings they might realize. But, states also have financial pressures and in a flash their tax advantage could be severely diminished. Basing your investment alloc...
by Alex Frakt
Mon Sep 01, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 51
Views: 4633

Re: No advantage of Slice and Dice vs 3Fund?

Gambler wrote:longterm (10yrs), they were all within 1% of each other.

10 years is not long term in investing. When you are discussing asset allocation investing, you really need to go out past 25 years to be reasonably sure of signal separating itself from noise.
by Alex Frakt
Mon Sep 01, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: No advantage of Slice and Dice vs 3Fund?
Replies: 41
Views: 2567

Re: An anecdotal case for indexing

Someone reported this post because they assumed the OP broke US law by opening someone else's mail. I'm responding here because this is a common misconception that would likely result in additional reports for the same thing. Stealing mail is a violation of federal law ( 18 USC 1708 ), but federal ...
by Alex Frakt
Mon Sep 01, 2014 12:27 am
 
Forum: Investing - Theory, News & General
Topic: An anecdotal case for indexing
Replies: 3
Views: 730

Re: Online Security: Are there any sites you do not trust?

Facebook. They have a long history of changing their policies and settings in a way that results in information being disseminated more widely than the user authorized. The only way to safely use it is to assume that everything you do on it could potentially end up in the public eye. That makes it p...
by Alex Frakt
Sun Aug 31, 2014 11:48 pm
 
Forum: Personal Consumer Issues
Topic: Online Security: Are there any sites you do not trust?
Replies: 14
Views: 1362

Re: My husband's " WILL", $ left for me to live on....

Ineedadvice50,

Send me a PM if you want to reopen this thread or you are welcome to start a new thread on this subject at any time.
by Alex Frakt
Sun Aug 31, 2014 11:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16982

Re: Donald Trump - The Apprentice

Locked. This forum is for those seeking help in spending their money and their time. You can ask for recommendations on television shows, movies and book. But general discussions of the these are off topic.
by Alex Frakt
Sat Aug 30, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Donald Trump - The Apprentice
Replies: 27
Views: 1632

Re: [Sell off individual stocks?] How many own zero/few stoc

I edited the title and moved the thread to the Investing - Help forum.
by Alex Frakt
Sat Aug 30, 2014 1:41 am
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2683

Re: The Power of Zero: Controversial New Book About Taxes

Moved to the Investing - Theory, News & General subforum since most of the original post and replies are about the book, not the OP's personal investment question. Perhaps, the OP could post a new thread in Investing - Help with Personal Investments when he feels this issue has been addressed t...
by Alex Frakt
Fri Aug 29, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: The Power of Zero: [Book and tax planning for retirement]
Replies: 51
Views: 4633

Re: My husband's " WILL", $ left for me to live on....

Regarding the premarital agreement. Let's be frank, it's likely everyone at the time saw this as a way to prove (on the OP's part) or ensure (on the husband and his children's part) that this wasn't about gold-digging. 11 years and a child later, this can not be a concern. The equitable (and normal)...
by Alex Frakt
Fri Aug 29, 2014 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16982

Re: My husband's " WILL", $ left for me to live on....

OP did not contribute at all to her husband's success from his former life. She is nowhere near normal retirement age and isn't working. Why should she expect to retire as a multi-millionaire at the age of 40, 45, etc.? And if her husband dies soon, she will surely remarry and enjoy sharing in her ...
by Alex Frakt
Fri Aug 29, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: My husband's " WILL", $ left for me to live on....
Replies: 258
Views: 16982

Re: Do you take all of your allowed paid vacation time?

Locked. This isn't reddit, posts on the Personal subforum must be personal and actionable. for example, asking if you should take your entire vacation based on the situation at your work would be on topic.
by Alex Frakt
Thu Aug 28, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5635

Re: Investing for Future Medical Expenses

I would look into starting the immigration process ASAP. Does their organization have any affiliation with an organization in the USA? Maybe they can sponsor them so that they spend part of their time here and the other part in your country of origin. 70 is late to consider emigrating and older peo...
by Alex Frakt
Wed Aug 27, 2014 6:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for Future Medical Expenses
Replies: 18
Views: 1315

Re: How do you usually pay for something under $5?

Locked. General comment threads are off topic on the Personal forums - viewtopic.php?f=3&t=112988
by Alex Frakt
Wed Aug 27, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you usually pay for something under $5?
Replies: 28
Views: 1188

Re: 87 yr old mom just inherited $200,000 - what to do with

If you go the SPIA route, only invest enough to get a $1500 payout. Invest any remainder in something that includes some inflation protection and growth potential. Frankly, I'd keep it simple and use Vanguard Target Retirement Income for everything that doesn't go into the SPIA.
by Alex Frakt
Wed Aug 27, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 87 yr old mom just inherited $200,000 - what to do with it?
Replies: 7
Views: 966

Re: Investing for Future Medical Expenses

So I guess at this point, my question is, if I were to start saving/investing anywhere. What are some appropriate vehicles for this purpose? Would it be just a mix of the usual? Since bonds are better suited for tax sheltered accounts, I guess I should just go with putting funds toward taxable inde...
by Alex Frakt
Wed Aug 27, 2014 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing for Future Medical Expenses
Replies: 18
Views: 1315

Re: Investing for Future Medical Expenses

I'm going to respond to your last question first. Parents of adult US citizens (naturalized or not) are considered immediate relatives for immigration purposes, which means they can get permanent residency (aka a "green card") fairly quickly after you start the sponsorship process, i.e., m...
by Alex Frakt
Wed Aug 27, 2014 1:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing for Future Medical Expenses
Replies: 18
Views: 1315

Re: Recalled baby crib - modify to donate to charity?

Locked. Your only legitimate option is to discard it.
by Alex Frakt
Mon Aug 25, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Recalled baby crib - modify to donate to charity?
Replies: 10
Views: 572

Re: Do you tip on the tax? [Restaurants]

Locked. Informational content appears to be exhausted.
by Alex Frakt
Sun Aug 24, 2014 1:53 am
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4980

Re: Which home ?

Assuming a clean bill of health from a competent and truly independent appraiser, I'd definitely go for the detached. A shorter commute, added flexibility of detached home ownership, and not having to deal with an HOA are all big pluses. To me it's worth the couple of hundred extra a month you'll ne...
by Alex Frakt
Sat Aug 23, 2014 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which home ?
Replies: 11
Views: 812

Re: Why do we tip restaurant servers?

Locked. General comment threads are off topic on the Personal subforums. In other words, if you have a question about what you should tip in a given situation, go ahead and ask it. But throwing things up for general discussion is not acceptable here. We are not reddit.
by Alex Frakt
Sat Aug 23, 2014 3:40 am
 
Forum: Personal Consumer Issues
Topic: Why do we tip restaurant servers?
Replies: 44
Views: 2204

Re: Will you have to pay your parent's long term care costs?

Locked. Please remember that general comment threads are off topic in the "Personal" subforums. In other words, topics must be about your own situation (or on behalf of someone specific, such as a family member). Further information on this requirement can be found at http://www.boglehead...
by Alex Frakt
Sat Aug 23, 2014 2:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Will you have to pay your parent's long term care costs?
Replies: 57
Views: 3905

Re: How Much Did You Lose Today?

Locked. Any informational value has been exhausted.
by Alex Frakt
Wed Aug 20, 2014 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: How Much Did You Lose Today?
Replies: 166
Views: 14174

Re: "Robin Williams' estate plan: Good, but not great"

With all due respect...

Celebrity finances are off topic on this site. Thread is locked.
by Alex Frakt
Tue Aug 19, 2014 12:00 am
 
Forum: Investing - Theory, News & General
Topic: "Robin Williams' estate plan: Good, but not great"
Replies: 4
Views: 1754

Re: Is a 16% expense ratio technically possible?

Google the Steadman (later Ameritor) funds. Performance was so poor, they were nicknamed the Deadman funds because no conscious person would invest with them. As AUM fell, the ER kept going up, eventually hitting something like 22% per year. The SEC shut them down in 2007 because they had managed to...
by Alex Frakt
Mon Aug 18, 2014 7:47 pm
 
Forum: Investing - Theory, News & General
Topic: Is a 16% expense ratio technically possible?
Replies: 15
Views: 1491

Re: Do-It-Yourself Waxing (Hair Removal) [help needed]

Thread reopened following moderator review. Please keep responses on-topic and relevant to the OPs question. Non-responsive posts will be removed.
by Alex Frakt
Mon Aug 18, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Waxing (Hair Removal) [help needed]
Replies: 6
Views: 929

Re: Your biggest "Missed Money" event that still kills you?

I should have put it all on Buster Douglas at 35-1. I knew Tyson was ripe for a fall.

Seriously, what's the point of this?
by Alex Frakt
Mon Aug 18, 2014 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 7970

Re: Girls gymnastics: what to expect

Here's my background. I was a competitive swimmer (and later water polo player) from 8 to 18, including a year of playing collegiate water polo, and I have a son going into kindergarten. IMO, unless a child is highly self-motivated to do a particular sport, I would not put them on a competitive path...
by Alex Frakt
Mon Aug 18, 2014 2:00 am
 
Forum: Personal Consumer Issues
Topic: Girls gymnastics: what to expect
Replies: 28
Views: 2352

Re: Receiving Spam Emails Since Joining

We do not and will not sell or give out member e-mail addresses to anyone.
by Alex Frakt
Sat Aug 16, 2014 11:25 pm
 
Forum: Forum Issues and Administration
Topic: Receiving Spam Emails Since Joining
Replies: 14
Views: 1171

Re: Do Private Company's have an advantage ?

Locked. No investing content.
by Alex Frakt
Sat Aug 16, 2014 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Do Private Company's have an advantage ?
Replies: 11
Views: 648

Re: Tapatalk Integration

Tapatalk is a non-starter. Supporting it would directly violate major portions of our privacy policies. We do not collect your information for sale, marketing or promotional purposes. Tapatalk does. I have also been reviewing the mobile styles. My main problem with them is that the best supported op...
by Alex Frakt
Sat Aug 16, 2014 2:44 am
 
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 50
Views: 13578

Re: Why is a back door Roth necessary

Locked. From the forum policies:
Non-actionable (Trolling) Topics

If readers can't do anything with the content of a topic other than argue about it, it does not belong here. Examples include:

- US or world economic, political, tax, health care and climate policies...
by Alex Frakt
Fri Aug 15, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is a back door Roth necessary
Replies: 6
Views: 872

Re: Lipitor at Costco with Membership

Medical issues (and general insurance policy discussions) are off topic here. Please keep to the OP's consumer issue. Non-relevant posts have been removed.
by Alex Frakt
Thu Aug 14, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: [Low cost] Lipitor
Replies: 13
Views: 1557

Re: Persistence of SV performance

I laugh everytime someone throws out the "science" word when speaking about finance. Finance is as much of a science as palm reading. It's not actually astrology or palm reading. There is a basic underpinning reality to investing: in aggregate and in the long run, people insist on receivi...
by Alex Frakt
Tue Jul 15, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Persistence of SV performance
Replies: 71
Views: 3931

Re: Help With Costless Collar Option Implementation

The OP stated that most of their equity position is held in VTI. This isn't a case where you would typically look for hedges, such as being stuck with large amounts of employer stock. No, OP said he was looking at VTI options, but that if the calls were exercised, he would have to convert his other...
by Alex Frakt
Wed Jul 02, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Costless Collar Option Implementation
Replies: 17
Views: 980

Re: Help With Costless Collar Option Implementation

Since people insist on discussing the merits of OP's plan rather than its implementation, I will note that collars are a lower risk, lower return strategy that may be appropriate when you think the market valuation of your holding is getting too high, and yet you are reluctant to sell for either ta...
by Alex Frakt
Wed Jul 02, 2014 1:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help With Costless Collar Option Implementation
Replies: 17
Views: 980

Re: How to admit/should I admit alcohol problem to employer

Under the Americans with Disabilities Act, you cannot be legally terminated for admitting you are an alcoholic, nor seeking treatment for alcoholism. Nor can your employer subject you to additional testing or other requirements compared to your fellow employees (except for a few specified categories...
by Alex Frakt
Wed Jul 02, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 13265

Re: How to admit/should I admit alcohol problem to employer

I'm posting to verify that this is indeed from a active, long-time member.

Also, please keep your comments on the employment issue presented here. Off-topic comments will be removed and the poster will likely be warned.
by Alex Frakt
Wed Jul 02, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to admit/should I admit alcohol problem to employer
Replies: 111
Views: 13265

Re: Hitting "The Number" too early

Don't get hung up on "The Number." It is nothing more than a shorthand way of referring to the complex and dynamic question, "Where am I on the path to retirement?" Frankly, I don't even bother with a number. It sounds like you are not ready to retire for non-financial reasons. S...
by Alex Frakt
Tue Jul 01, 2014 7:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hitting "The Number" too early
Replies: 49
Views: 5434

Re: "most [] research findings in financ[e] are likely false"

More importantly, this paper is in favor of indexing strategy because it's rejecting other factors such as SMB (=size). OTOH, the value and momentum factors are still significant. Small still matters for individual investors, unless you have the Panglossian view that stock prices are perfect at all...
by Alex Frakt
Tue Jul 01, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: "most [] research findings in financ[e] are likely false"
Replies: 63
Views: 4306

Re: Best way to start building wealth as a teenager

Since you will have earned income and a very low current tax bracket, the specific kind of account you want - in addition to your checking and/or savings account - is a Roth IRA. This is a type of retirement account in which you do not get a tax deduction when you put the money in, but earnings insi...
by Alex Frakt
Tue Jul 01, 2014 12:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Best way to start building wealth as a teenager
Replies: 28
Views: 2388

Re: Personal Life subforum?

I don't see a need to go beyond what we have already, as it dilutes the purpose of this forum. I never wrote a formal mission statement for the site. But if I had, supporting our community of regular posters and readers would definitely be part of that mission. The question, as always, is how to be...
by Alex Frakt
Wed Jun 18, 2014 1:44 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 5034

Re: Personal Life subforum?

roymeo wrote:Only as a place for the moderators to throw the Diamond, Wedding, Watch threads.

Actually, I was thinking of chucking all the career, college, and private school threads in it.
by Alex Frakt
Wed Jun 18, 2014 1:36 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 5034

Re: Personal Life subforum?

Wouldn't this be counter to efforts to make the existing forum a charity that is based on financial education ? There is no such effort. This site is privately owned by myself and Larry Auton. The charity, the John C. Bogle Center for Financial Literacy, is a separate endeavor. The Center has been ...
by Alex Frakt
Wed Jun 18, 2014 1:34 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 5034
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