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Re: Moving from Midwest to Coastal Cities: COL Adjustment?

OP, so if you're looking for more money, why not look at different (better paying) industries where you live now? Making $80K in Chicago and moving to NYC but making $150K isn't really increasing your income because your expenses went up at least as much as the income increase. Seems like you're ch...
by AndroAsc
Mon Jul 14, 2014 11:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2588

Re: Moving from Midwest to Coastal Cities: COL Adjustment?

Currently in a job in the Midwest earning $80k. Have been contemplating a career move to better places.... I hate crowds, cities and commute, but I'm willing to move if the $$$ is good. I have to ask some questions because these comments seem at odds with each other. What are your criteria for a &q...
by AndroAsc
Sun Jul 13, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2588

Re: Moving from Midwest to Coastal Cities: COL Adjustment?

Using an online calculator, here are a few examples (not knowing where you live now): $80,000 in origin city equals $X in NYC (Manhattan): Chicago - $151K Minneapolis - $163K Ann Arbor - $171K Cleveland - $176K Detroit - $184K Cincy - $191K Des Moines - $193 Columbus - $199K They couldn't (probably...
by AndroAsc
Sun Jul 13, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2588

Moving from Midwest to Coastal Cities: COL Adjustment?

Currently in a job in the Midwest earning $80k. Have been contemplating a career move to better places, but most of them are located in coastal cities with high cost of living. Let's use NYC as an example, cause it's where I am targeting. How much would I need to earn in NYC to get an equivalent lif...
by AndroAsc
Sun Jul 13, 2014 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2588

Getting a sense of scale of returns during bull/bear

As a novice investor, I have not really been through multiple cycles of bull/bear. I was finishing up my investments for the quarter and I decided (out of curiosity) to see how the US Total Stock Market was doing. Holy crap! It has been growing continuously since the crash and I had no idea that the...
by AndroAsc
Sun Apr 06, 2014 8:59 am
 
Forum: Investing - Theory, News & General
Topic: Getting a sense of scale of returns during bull/bear
Replies: 4
Views: 378

Re: Question on Sanctions and Asset Seizures

Perhaps to better frame this discussion, has there been any examples in recent history where a country seized/confiscated assets of a foreign investor (e.g. Vanguard)? What happens then? Is the money lost forever? Or is it restored after the crisis? Also, what do our Boglehead principles say about e...
by AndroAsc
Fri Mar 07, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Question on Sanctions and Asset Seizures
Replies: 5
Views: 445

Question on Sanctions and Asset Seizures

My question is technical. Yes, it is motivated by ongoing geopolitics, but I will phrase it in a hypothetical manner. If this is not acceptable then mods can close this thread. Let's say there are 2 countries, A and B. Something happens, and both country seizes each other's assets. If a investor who...
by AndroAsc
Fri Mar 07, 2014 7:57 am
 
Forum: Investing - Theory, News & General
Topic: Question on Sanctions and Asset Seizures
Replies: 5
Views: 445

Re: No car, moving for a 3-mth assignment, cheapest car opti

Yes, you will need at least liability insurance, or in some states post a bond if you self-insure. This is often a legal requirement. A used car for $5K nowadays is probably not a car you want to drive. I figure at least $3K to 4K/yr. for a decent used car purchase. That does not include maintenanc...
by AndroAsc
Wed Mar 05, 2014 2:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: No car, moving for a 3-mth assignment, cheapest car option?
Replies: 12
Views: 571

Re: No car, moving for a 3-mth assignment, cheapest car opti

Joe M wrote:Your work wont pay/reimburse you for th expense?


Not directly, no. I am getting a lump sum for relocation, and I would hate to burn it all on car expenses.
by AndroAsc
Wed Mar 05, 2014 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: No car, moving for a 3-mth assignment, cheapest car option?
Replies: 12
Views: 571

No car, moving for a 3-mth assignment, cheapest car option?

I live in an area where public transport is pretty good and provided for free by my employer, and so I don't have a car. I don't have car insurance too. Over summer, I will be away on a 3-mth assignment. The place I am moving to requires a car to get around. From a financial perspective, what is my ...
by AndroAsc
Wed Mar 05, 2014 1:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: No car, moving for a 3-mth assignment, cheapest car option?
Replies: 12
Views: 571

Re: Single & Frugal or Coupled & (Financially) Incompatible?

jgb wrote:
mwm158 wrote:So how do personal ads work on this forum? Do I need to reply with my income, savings rate, and retirement account figures?


This, and I second a sub-forum for single Bogleheads.


Third-ed!
by AndroAsc
Fri Jan 03, 2014 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 77
Views: 5849

Investing (not speculating) in Bitcoin

I'll just put a disclaimer straight up, this discussion is just a hypothetical situation. I am in no way advocating one should go all out and "invest" in Bitcoin with 100% of all assets. Having said that, if you had a small amount say 1% of your assets of "play money" to spend an...
by AndroAsc
Tue Nov 19, 2013 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Investing (not speculating) in Bitcoin
Replies: 119
Views: 10540

Re: Best careers for people about to enter college?

Contrarian that I am, I would suggest a field of study in which the student is engaged and challenged. This might be anything from plant biology to medieval linguistics to political science. College is not a trade school, nor should it be. The most depressing conversation I ever had with a high sch...
by AndroAsc
Sat Oct 26, 2013 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best careers for people about to enter college?
Replies: 69
Views: 5151

Re: Government Shutdown/Default [effect on investments]

Hmm, I did not do anything. Was toying with the idea of placing a limit order, but I am just too busy. PASSIVE investment yeah!!!!!
by AndroAsc
Thu Oct 17, 2013 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 27767

Re: Can a company only offer its stock in a 401(k)?

Are you asking whether it's legal for a company to offer nothing other than its own stock in a 401(k); or whether it's legal for that to be one of the options, and one which many employees choose ? The previous poster is correct that there are still companies which provide any match strictly in the...
by AndroAsc
Mon Oct 14, 2013 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Can a company only offer its stock in a 401(k)?
Replies: 6
Views: 866

Re: Government Shutdown/Default [effect on investments]

Can we discuss on how capitalize if there is indeed a government default? Is anyone setting limit orders for ETFs? I am going to submit a limit order(s) to purchase ETF(s) at 19.8% below the previous market close. The idea is that if the market drops 20%, then circuit breakers go into effect and th...
by AndroAsc
Sat Oct 12, 2013 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 27767

Re: Vanguard could have the edge in active ETF battle

What the hell Vanguard launching active ETF? This is heresy!!! How could they do that? Has there been some shake up in the Vanguard management recently??!
by AndroAsc
Sat Oct 12, 2013 3:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard could have the edge in active ETF battle
Replies: 5
Views: 646

Re: Government Shutdown/Default [effect on investments]

Can we discuss on how capitalize if there is indeed a government default? Is anyone setting limit orders for ETFs?
by AndroAsc
Sat Oct 12, 2013 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 27767

Re: Anyone else freaking about the state of the market?

I love google stock feature on their spreadsheet.

For Vanguard Total Market Index Fund, 1 wk return is +0.12%, 1 yr return is +20.58%

Come on guys... stop freaking out! There's not even a drop!!!
by AndroAsc
Sat Oct 12, 2013 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else freaking about the state of the market?
Replies: 95
Views: 8008

Can a company only offer its stock in a 401(k)?

I was doing some research on some of the jobs that I will be applying to, and a good number of them have a large percentage of 401k assets invested in company stock (we're talking 50-90%!!!). I remember that the fiduciary duty thing of 401k always pops up here and there on this forum, but I would li...
by AndroAsc
Sat Oct 12, 2013 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: Can a company only offer its stock in a 401(k)?
Replies: 6
Views: 866

Re: Government Shutdown/Default [effect on investments]

30 day T-Bill rates :shock: 09/23/13 0.01 09/24/13 0.02 09/25/13 0.02 09/26/13 0.04 09/27/13 0.03 09/30/13 0.03 10/01/13 0.10 10/02/13 0.08 10/03/13 0.12 10/04/13 0.11 10/07/13 0.13 10/08/13 0.27 10/09/13 0.26 http://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.a...
by AndroAsc
Wed Oct 09, 2013 11:21 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 27767

Re: Government Shutdown/Default [effect on investments]

I rebalance by adding new contributions every quarter on Jan, Apr, Jul, Oct. So this month is rebalancing month.

I know we don't market time, but has anyone placed a limit order on a 30% discount off current prices... you know, just in case?
by AndroAsc
Wed Oct 09, 2013 11:20 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 27767

If a job offers TSP is that a federal employee position?

Exploring career options here, and one thing I am trying to figure out if a particular job is considered as "federal employee" position. I remember reading an article a while back that federal government jobs tend to have the largest lifetime earnings due to the relative stability of these...
by AndroAsc
Sun Oct 06, 2013 12:44 am
 
Forum: Personal Finance (Not Investing)
Topic: If a job offers TSP is that a federal employee position?
Replies: 11
Views: 942

Re: Affordable plans on Exchange have extremely high deducti

Why is that the premium for the OP (young) and the other post (older) are both around ~$500-600/mth? Don't the older people pay slightly higher premium?
by AndroAsc
Thu Oct 03, 2013 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable plans on Exchange have extremely high deductibles
Replies: 28
Views: 2202

Reverse Logic: Bonds in Taxable, Stocks in Tax-Sheltered

Sometime ago, I remember reading a blog post that challenged the usual Boglehead mantra of keeping tax inefficient instruments like bonds and REITs in tax-sheltered accounts and tax efficient instrument like stock index funds in taxable accounts. The claim is that the order should be reversed for mo...
by AndroAsc
Wed Sep 11, 2013 12:09 am
 
Forum: Investing - Theory, News & General
Topic: Reverse Logic: Bonds in Taxable, Stocks in Tax-Sheltered
Replies: 25
Views: 2054

Re: Hypothetical: Why not I-Bonds instead of TBM?

Do we have any historical data if I-Bonds beats TBM over a long period, say 20 years... or vice versa?
by AndroAsc
Mon Sep 09, 2013 8:19 pm
 
Forum: Investing - Theory, News & General
Topic: Hypothetical: Why not I-Bonds instead of TBM?
Replies: 8
Views: 1408

Hypothetical: Why not I-Bonds instead of TBM?

Hypothetical Question. One of the roles of the bond portfolio is to smooth out the volatility of the portfolio. However, bonds face the risk of not achieving a positive real return after inflation. For the purpose of this discussion, let's assume that there is no I-Bond contribution limit. Does it m...
by AndroAsc
Sun Sep 08, 2013 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: Hypothetical: Why not I-Bonds instead of TBM?
Replies: 8
Views: 1408

Re: What instruments have built-in tax deferral (no 401k/IRA

Health Savings Accounts - There are several threads on HSA accounts already. You can deduct your HSA contribution against your other taxable income (doesn't have to be wage income - capital gains or interest/dividends can be reduced by an HSA deduction as well). HSA contributions are tax-free, the ...
by AndroAsc
Sun Sep 08, 2013 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What instruments have built-in tax deferral (no 401k/IRA)?
Replies: 4
Views: 441

Re: Can I contribute to IRA if I have no earned income?

Thanks for the advice, seems that there is no way out...
by AndroAsc
Sun Sep 08, 2013 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to IRA if I have no earned income?
Replies: 11
Views: 1231

Re: Can I contribute to IRA if I have no earned income?

I'm in the same situation (Fellowship through the NIH) and haven't found any way to contribute money to a tax-advantage account. This has been the case for several years during graduate school and now postdoc. It's one of the many reasons why winning a "prestigious" fellowship turns out t...
by AndroAsc
Sun Sep 08, 2013 6:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to IRA if I have no earned income?
Replies: 11
Views: 1231

What instruments have built-in tax deferral (no 401k/IRA)?

There is a very strong possibility that coming next year, I will no longer have access to any of the mainstream retirement accounts like 401k and IRA because my income will not be reported on my W-2. What investment instruments out-there have a built-in tax deferral feature, and does not require one...
by AndroAsc
Sun Sep 08, 2013 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: What instruments have built-in tax deferral (no 401k/IRA)?
Replies: 4
Views: 441

Can I contribute to IRA if I have no earned income?

Starting next year, I will be on a fellowship (it's like an award that pays you a "salary"). It's not going to be counted as salary income, like on a W-2. My question is, if my W-2 income is zero, is there anyway I can contribute to an IRA or some other retirement account? Non-deductible I...
by AndroAsc
Sun Sep 08, 2013 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to IRA if I have no earned income?
Replies: 11
Views: 1231

Re: Dr. Wade Pfau on the 4% Rule

Although it may look like a recency issue, I don't think it is. The problem with the 4% rule is that it was derived using data from a time where there was "anomalously" high returns of US stocks relative to the rest of the world. A few years back, there was a study published on the safe wi...
by AndroAsc
Thu Aug 15, 2013 9:40 am
 
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau on the 4% Rule
Replies: 124
Views: 10275

Is there a Social Security projection calculator?

I'm young (mid-20s), and some of the advice out there is to "write off" SS. However, I thought that it would still be interesting to calculate how much SS payout I can get at retirement. The problem is that I cannot find any Social Security projection calculator, i.e. like FireCalc but for...
by AndroAsc
Sat Jul 27, 2013 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Is there a Social Security projection calculator?
Replies: 2
Views: 433

Young mid-20s, is I-Bonds for Emergency Fund a good idea?

So I've been somewhat resistant to purchasing I-Bonds in my situation, primarily because when the 30-yr term expires, I will force be to redeem it in my mid-50s, which would hopefully be at the peak of my earning power. However, it just dawned on me that I-Bonds for Emergency Fund for a young invest...
by AndroAsc
Thu Jul 11, 2013 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Young mid-20s, is I-Bonds for Emergency Fund a good idea?
Replies: 12
Views: 1333

Re: "How Much Should You Annuitize ?"

Dumb question on my end, since I'm really far from retirement age... Do your beneficiaries get back the "unused" part of your annuitized money? For example, you buy a $1 mil SPIA, and pass away the next year. Do all the $900k+ goes to the insurance company? If your beneficiaries get nothin...
by AndroAsc
Thu Jul 11, 2013 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: "How Much Should You Annuitize ?"
Replies: 10
Views: 1624

Re: Merchant costs on 2% cash back cards

Credit card fees are built into the prices merchants charge, so I don't really have much sympathy there. People who use cash and other cheap forms of payment subsidize rewards card usage, not the merchants. I don't know how merchants can make enough money to stay in business let alone make any prof...
by AndroAsc
Fri Jul 05, 2013 12:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Merchant costs on 2% cash back cards
Replies: 125
Views: 9931

TIPS fund down, good buying opportunities?

It just so happens in this rebalancing cycle, I need to pump up my TIPS contribution (along with other bonds). Then, I realized that my TIPS fund value has tanked quite a bit in the last few weeks/months... a good time to buy it at discount prices then?
by AndroAsc
Wed Jul 03, 2013 6:35 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS fund down, good buying opportunities?
Replies: 1
Views: 347

i-Bond > TIPS Fund if SEC yield < i-Bond rate?

A quick question, since the SEC yield on TIPS fund is now negative, and i-Bond rates are zero, which is still higher... does that mean that whenever the i-Bond rate is greater than the SEC rate of a TIPS fund, i-Bond will always be a better choice from a returns perspective? For this discussion, let...
by AndroAsc
Wed Jul 03, 2013 6:32 am
 
Forum: Investing - Theory, News & General
Topic: i-Bond > TIPS Fund if SEC yield < i-Bond rate?
Replies: 4
Views: 724

Are no foreign purchase fees on credit cards a scam?

Ok, so I've seen a few credit cards here and there that claim they charge no foreign purchase fee, so it's good to bring with you on an international trip. But how true is this? Can't the card issuer just set the forex rate to be a bit more unfavorable (to the consumer) relative to their other cards...
by AndroAsc
Sat Jun 29, 2013 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are no foreign purchase fees on credit cards a scam?
Replies: 16
Views: 1836

Can Insurance Company Reject You (post Affordable Care Act)?

I'm still very fuzzy with the Affordable Care Act, in particular those that deal with pre-existing conditions. My question is simple: Is there any way (including loopholes) that insurance company can deny you healthcare coverage based on your medical condition? Looking at wiki, it states " Insu...
by AndroAsc
Mon Jun 17, 2013 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can Insurance Company Reject You (post Affordable Care Act)?
Replies: 48
Views: 3279

Individual Health Insurance and Unethical Premium Increases

Since some of the premium details about the state-run "public" health insurance is already up in the air, I think it would be OK to discuss this. What was surprising that some of the estimated premium from CA state plan were in fact cheaper than employer-provided health insurance. A while ...
by AndroAsc
Mon Jun 17, 2013 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Individual Health Insurance and Unethical Premium Increases
Replies: 1
Views: 338

Re: Has anybody read Value Averaging?

I read it and liked the idea a lot, but choosing the rate of growth has always been the sticky point for me. It has indeed been proven that if you forecast the rate of return right (i.e. your expected rate is ≈ to the actual market rate) then VA will outperform DCA in terms of ROC. The farthest you...
by AndroAsc
Sat Jun 15, 2013 9:33 am
 
Forum: Investing - Theory, News & General
Topic: Has anybody read Value Averaging?
Replies: 36
Views: 2212

Re: The new profitability factor, US and int'l evidence

AQR and DFA is only accessible through advisors and require a hefty minimum of ~$1MIL correct? So for the rest of us, momentum and profitability factors are out of reach?

FYI, ETFs-of-the-day that pop up with momentum and profitability in the title do not count as desirable investment products.
by AndroAsc
Wed May 22, 2013 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: The new profitability factor, US and int'l evidence
Replies: 169
Views: 11158

Re: Emerging Market Bond Fund is available

Has the Vanguard Developed Market Bond Fund been launched yet?
by AndroAsc
Wed May 15, 2013 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Market Bond Fund is available
Replies: 76
Views: 5087

Re: why a 7% return estimate going forward

two main ways financial economists estimate returns today First is the Gordon Model Take dividends, say 2%, add estimate of real growth (say 2.5%, though some think less is more appropriate) that gets you the estimated real return and then add in inflation, say 2.5% for total of 7. Then there is th...
by AndroAsc
Sun May 12, 2013 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: why a 7% return estimate going forward
Replies: 55
Views: 5702

Re: Dollar Cost Average (DCA) VS. Value Averaging (VA)

The problematic aspect of VA is implementation, how to accurately estimate expected returns, how to ensure you have enough cash for the crash but not sit on too much cash during the bull run, etc... And that really is a fatal flaw of value averaging. You need to decide AHEAD OF TIME how much cash t...
by AndroAsc
Sun May 05, 2013 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Average (DCA) VS. Value Averaging (VA)
Replies: 21
Views: 1350

Re: Dollar Cost Average (DCA) VS. Value Averaging (VA)

VA is not "market timing" in the traditional sense. There is a specific formula for projecting the VA path, and you basically top up or withdraw from your portfolio based on your current portfolio value relative to the VA path. There is a plan, and one sticks to it, just like DCA with reb...
by AndroAsc
Sun May 05, 2013 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Average (DCA) VS. Value Averaging (VA)
Replies: 21
Views: 1350

Re: Dollar Cost Average (DCA) VS. Value Averaging (VA)

Basically it's a combination of selling off shares when they are high and then buying a lot of shares when they are low. I don't believe this method is trying to "time" the market so to speak, but I'm also not really sure. To the more seasoned investors I ask, what do you think is better?...
by AndroAsc
Sun May 05, 2013 1:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Average (DCA) VS. Value Averaging (VA)
Replies: 21
Views: 1350

Re: Dollar Cost Average (DCA) VS. Value Averaging (VA)

Most of the papers I've read (just Google for it) has shown that VA outperforms DCA by 0.5-1.0% p.a. Of course, that's dependent on getting the correct expected return for your portfolio relative to reality... My guess is that the further off your expected return inputs are from reality, the more th...
by AndroAsc
Sun May 05, 2013 1:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Average (DCA) VS. Value Averaging (VA)
Replies: 21
Views: 1350
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