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by AndroAsc
Mon May 04, 2015 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any stable value funds that returns ~3% outside of a 401k?
Replies: 12
Views: 1779

Re: Is there any stable value funds that returns ~3% outside of a 401k?

Looks like I may have to rollover into my 403b. The question I have now is, can you rollover to a 403b when you have left the company that offered/sponsored the 403b plan?
by AndroAsc
Sat May 02, 2015 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any stable value funds that returns ~3% outside of a 401k?
Replies: 12
Views: 1779

Is there any stable value funds that returns ~3% outside of a 401k?

My employer's TIAA-CREF 403b plan gives us access to the TIAA Traditional GSRA that is currently returning 3%. I was looking into purchasing more using an IRA or a taxable account, and it seems that the "outside" rates are only 1%. Are there any good stable value funds that returns about 3...
by AndroAsc
Fri May 01, 2015 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Moving to a different state: Question about insurance
Replies: 3
Views: 422

Moving to a different state: Question about insurance

In a few months time I will be relocating to a different state, and I am unsure about the complications involved in insurance. Health insurance I'm currently using a PPO. I will be moving out of network (I think). Should I get a "local" insurance ASAP, or do I just stay with my old one? Th...
by AndroAsc
Tue Apr 28, 2015 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Getting a Car Loan through Dealer: Lump sum pre-payment?
Replies: 6
Views: 706

Getting a Car Loan through Dealer: Lump sum pre-payment?

I'm in the market for a new car (never owned one before) and the loan that comes with (this is also my first loan outside student loan). I am probably going to go in with my own financing, but I am open go through dealer financing if that gets me a better deal. If I can get a loan from the dealer, c...
by AndroAsc
Mon Apr 27, 2015 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 40
Views: 2506

Tax Loss Harvesting: How do you do it in practice?

I am familar with tax-loss harvesting, but I have not done it before. I only started regularly investing just after the 2008 crash. I have a simple question, how does one execute tax loss harvesting in practice? Since Bogleheads do not track their portfolio in real-time, how do you alert yourself to...
by AndroAsc
Wed Apr 15, 2015 7:08 am
Forum: Personal Finance (Not Investing)
Topic: How do you value a pension?
Replies: 18
Views: 1663

Re: How do you valuate a pension?

Should clarify something. The reason why I need to valuate a pension is for job comparison. A sample comparison might include: if I have a job paying $80k but with pension (using the formula outlined) vs a job paying $100k, assuming COL are the same, which job should I take, if the main consideratio...
by AndroAsc
Tue Apr 14, 2015 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: How do you value a pension?
Replies: 18
Views: 1663

How do you value a pension?

How do you valuate the "net worth" of a pension? If the formula is 1% of the average of the last 5 years of salary, for every year of service, how do I evaluate the current "net worth" of the pension? If for example the last 5 years salary is $100k, and I have 10 years at the com...
by AndroAsc
Thu Apr 09, 2015 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Disability Income Insurance - Individual vs Group
Replies: 7
Views: 249

Re: Disability Income Insurance - Individual vs Group

Thanks. First world problems I guess.....
by AndroAsc
Thu Apr 09, 2015 8:58 am
Forum: Personal Finance (Not Investing)
Topic: Disability Income Insurance - Individual vs Group
Replies: 7
Views: 249

Re: Disability Income Insurance - Individual vs Group

Your current policy will have much better benefits than any group policy you will find. The agent is also correct that having group disability insurance available to you will limit the amount of FIO you can exercise, except you may not be able to opt out of the employer coverage. If the employer pa...
by AndroAsc
Thu Apr 09, 2015 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Disability Income Insurance - Individual vs Group
Replies: 7
Views: 249

Re: Disability Income Insurance - Individual vs Group

Your current policy will have much better benefits than any group policy you will find. The agent is also correct that having group disability insurance available to you will limit the amount of FIO you can exercise, except you may not be able to opt out of the employer coverage. If the employer pa...
by AndroAsc
Thu Apr 09, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Disability Income Insurance - Individual vs Group
Replies: 7
Views: 249

Disability Income Insurance - Individual vs Group

I hope there are some disability income insurance experts here! Would appreciate some help. 5 years back I purchased an individual disability income insurance. For the record, the product is Standard Protector Platinum, and I've basically maxed out all options, including the non-cancelable rider, in...
by AndroAsc
Mon Mar 30, 2015 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 5871

Re: Why Buying a *New* Car Makes Sense? Please help!

I think you are right: CPO cars are not a good deal for reliable, low depreciation vehicles that are unlikely to make any use of the warranty. CPO cars do not benefit from many manufacturer incentives, including financing, the drive down the cost of the new car. However, there are a couple problems...
by AndroAsc
Mon Mar 30, 2015 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Why Buying a *New* Car Makes Sense? Please help!
Replies: 63
Views: 5871

Why Buying a *New* Car Makes Sense? Please help!

I am on the market for my first car, and I am an anti new car person, but all of my analysis points me to the fact that getting a new car is better. Please look at my analysis and tell me if I have forgotten to account for something. For the record, this analysis has only been done for the Toyota Co...
by AndroAsc
Sun Mar 01, 2015 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Question on Relocation Package (from Employer's perspective)
Replies: 6
Views: 570

Question on Relocation Package (from Employer's perspective)

One of the companies that I am in talks with for a career move has a relocation package, and earlier this week HR just went through some of the details. It was more of "generic" details, but if my understanding is correct the company will pay for 10% of the cost of selling a home, and 5% o...
by AndroAsc
Wed Feb 04, 2015 11:44 am
Forum: Investing - Theory, News & General
Topic: Why no talk about investing in Timber?
Replies: 14
Views: 1376

Re: Why no talk about investing in Timber?

So basically while it may be a good investment, there are no good tools to allow entry for the consumer-level investor?
by AndroAsc
Wed Feb 04, 2015 9:47 am
Forum: Investing - Theory, News & General
Topic: Why no talk about investing in Timber?
Replies: 14
Views: 1376

Why no talk about investing in Timber?

I've noticed on the GMO forecast over the past few years, Timber investments has always been forecasted with consistently high returns (I'm not sure about the actual returns since I've not looked at Timber investments before). But given that GMO forecast has been somewhat accurate historically, and ...
by AndroAsc
Thu Jan 29, 2015 6:43 am
Forum: Investing - Help with Personal Investments
Topic: How do I financially evaluate a company (for a job offer)?
Replies: 3
Views: 407

Re: How do I financially evaluate a company (for a job offer

I should also add that this company I am trying to evaluate is a slightly outside my domain of expertise, so it's a different industry as to my current job. Hence, the need to "objectively" evaluate it, as opposed to using my own personal knowledge.
by AndroAsc
Thu Jan 29, 2015 6:31 am
Forum: Investing - Help with Personal Investments
Topic: How do I financially evaluate a company (for a job offer)?
Replies: 3
Views: 407

How do I financially evaluate a company (for a job offer)?

Currently interviewing with several publicly listed companies. I know that as Boglehead investors we don't invest in individual companies, but if we needed to analyze a company financially and decide to "invest" in it, i.e. take the job offer, what is the best way to figure out the company...
by AndroAsc
Tue Jan 06, 2015 12:52 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 95
Views: 10371

Re: Vanguard introduces first muni bond index fund and ETF

Finally.... one year later, or was it more than that?

It's the same ER as the other Vanguard muni bond. Is there any reason to switch to this?
by AndroAsc
Sat Jan 03, 2015 9:21 pm
Forum: Investing - Theory, News & General
Topic: Bonds go in taxable (whitecoatinvestor aka EmergDoc article)
Replies: 111
Views: 11259

Re: Bonds go in taxable (whitecoatinvestor aka EmergDoc arti

I've been thinking about this as well, I think someone else has coined it as "relative" vs "absolute" tax efficiency. Is there any *REAL* solid reason as to why the "principles of efficient tax placement" is as it should be, apart from the nice sounding maxim that tax i...
by AndroAsc
Sat Jan 03, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: Why not put 2x amt. of emergency funds in the market?
Replies: 19
Views: 2288

Re: Why not put 2x amt. of emergency funds in the market?

Do consider what the BH Wiki says, as avenger pointed out. http://www.bogleheads.org/wiki/Placing_cash_needs_in_a_tax-advantaged_account This might seem a bit counter-intuitive to begin with, because you end up NOT having a dedicated emergency fund, but this is very sound advice... Putting away $50...
by AndroAsc
Sat Jan 03, 2015 8:13 pm
Forum: Investing - Theory, News & General
Topic: Poll: How long have you been with your current AA?
Replies: 44
Views: 2604

Re: Poll: How long have you been with your current AA?

Technically, my asset allocation has changed slightly over the years, but that's because of the limitations of the instruments in the past. Also, there are considerations such as insufficient IRA space!!! For example, I've always wanted international bond, and when Vanguard launched their internatio...
by AndroAsc
Fri Jan 02, 2015 7:16 am
Forum: Investing - Theory, News & General
Topic: Is a bond's SEC yield a good predictor of it's returns?
Replies: 8
Views: 1015

Is a bond's SEC yield a good predictor of it's returns?

Would anyone care to help in explaining what exactly does a SEC yield calculate and if it's a good predictor of the long-term returns of a bond fund? Here's what vanguard says: A non-money market fund's SEC yield is based on a formula mandated by the Securities and Exchange Commission (SEC) that cal...
by AndroAsc
Wed Dec 03, 2014 11:30 am
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1507

Re: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fi

I just got my first moving violation traffic ticket (running a red light), which I honestly do not remember committing this act. ... Do not remember? Was this a camera violation--and MI counts it toward points? (Most states don't point you on this.) Pretty sure I'm getting points. It was not a red ...
by AndroAsc
Wed Dec 03, 2014 11:09 am
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1507

Re: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fi

That's true. A bit more background, I found that traffic tickets are extremely difficult to contest where I live. Police officers always show up for court, so one cannot pull the reschedule and not show up trick...
by AndroAsc
Wed Dec 03, 2014 10:47 am
Forum: Personal Finance (Not Investing)
Topic: 1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?
Replies: 18
Views: 1507

1st Moving Violation Traffic Ticket: Lawyer Up or Pay Fine?

I just got my first moving violation traffic ticket (running a red light), which I honestly do not remember committing this act. I'm based in MI. The fine is $100-ish and I get 3 points on my driver's license. I have a clean record and would like to keep it this way. My other option is to get a lawy...
by AndroAsc
Tue Nov 18, 2014 3:12 pm
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 4759

Re: Value Averaging: My experience after 9 years

AndroAsc, Thanks for the response. Good to see more VA'ers here, and hope we can keep the discussion alive and revisit it often over the longterm. I agree that my "mistake" may not be a mistake and that a longer term examination may show all this to be part of the design of VA. GMO actual...
by AndroAsc
Tue Nov 18, 2014 2:54 pm
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 4759

Re: Value Averaging: My experience after 9 years

I think this is an important part of the discussion, for sure. What is the goal of VA? If it is to boost returns, I highly doubt it is a good strategy. For me, the goal of VA is a methodical way to handle "need to take risk". You can also say it is an implementation of Bernstein's "S...
by AndroAsc
Tue Nov 18, 2014 2:48 pm
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 4759

Re: Value Averaging: My experience after 9 years

Deploying assets or rebalancing to the desired asset allocation just seems a whole lot easier in terms of the required discipline. Dale I believe systematic rebalancing to a desired asset allocation has a same or even superior effect to value averaging, and that it is a more efficient way to procee...
by AndroAsc
Tue Nov 18, 2014 11:37 am
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 4759

Re: Value Averaging: My experience after 9 years

I am also doing VA, and a while back I asked the question on how to optimize the expected returns - not much came out. But since we are on this discussion again, what could have been done better with the crash drag? Obviously, the OP's "mistake" (and hindsight is 20/20) is that the value p...
by AndroAsc
Mon Nov 10, 2014 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 280
Views: 48138

Re: Vanguard sued for charging too little

Can't believed I missed this development. Anyway this sentence caught my eye " But that violates Section 482 of the Internal Revenue Code, which requires companies to charge market-rate prices, not lower "at-cost" prices, for services to related firms, Danon argued " Can anyone w...
by AndroAsc
Mon Nov 10, 2014 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of Living vs Networking & Career Growth Opportunities
Replies: 7
Views: 1031

Re: Cost of Living vs Networking & Career Growth Opportuniti

Where will you be happier? Don't let the tail wag the dog. I would be "happier" in a low COL area, but that's only because I can save more. But if the salary at the higher COL area adjusts such that I can save the same amount as in a low COL area, I would be equally happy. Finances aside,...
by AndroAsc
Mon Nov 10, 2014 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of Living vs Networking & Career Growth Opportunities
Replies: 7
Views: 1031

Re: Cost of Living vs Networking & Career Growth Opportuniti

What if you are taking a hit to your annual savings in a higher COL area, but that is exchanged with better networking opportunities and career prospects?
by AndroAsc
Sun Nov 09, 2014 7:24 am
Forum: Personal Finance (Not Investing)
Topic: Cost of Living vs Networking & Career Growth Opportunities
Replies: 7
Views: 1031

Cost of Living vs Networking & Career Growth Opportunities

Like many Bogleheads, I am an ardent believer of living in low COL cities as the impact on retirement is huge. However, this has been recently challenged. At a personal level, I am on the job market, and a few of the jobs that I am very near the end of the hiring process has multiple locations. Obvi...
by AndroAsc
Tue Oct 28, 2014 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5223

Re: Most financially economical choice for a car

mur44 wrote:Honda Accord or Toyota Camry would be better
choice from safety point of view.

You can wait till September to buy 2014 model
when deeper discounts are offered.


Where you did get this information?

EDIT: Oh nevermind, I found a site that has all the crash ratings and stuff.
by AndroAsc
Tue Oct 28, 2014 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5223

Re: Most financially economical choice for a car

Seems that the common theme is do not get an old piece of junk.

Are there any advantages of getting new over certified pre-owned (especially if they come with powertrain warranty for 7yrs/100k miles, which some do)?
by AndroAsc
Tue Oct 28, 2014 6:51 am
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5223

Re: Most financially economical choice for a car

On your second assertion you are way, way out. There's plenty of empirical evidence here. A new battery pack for a Prius does not cost $20k or anything like. The Prius ecosystem is well established. I think your issues are red herrings-- they have been addressed in many threads here by Prius owners...
by AndroAsc
Tue Oct 28, 2014 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5223

Re: Most financially economical choice for a car

it could, of course, go back up again. Right now, down is more likely. A decent chance oil will hit $80/ bl. If the Prius is a car that otherwise suits your needs, then going for it and having the fuel economy as a hedge is a decent option. I'm not too fond of these alternative hybrid/electric cars...
by AndroAsc
Tue Oct 28, 2014 5:18 am
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5223

Most financially economical choice for a car

I'm on a market for a new car, and would like to solicit opinions of what the most economical long-term option is. I'm not very specific about the car I need. An intermediate-sized car, reasonably good gas mileage, and I'm good. Will drive the car until it breaks, or when repair costs exceed replace...
by AndroAsc
Sat Sep 27, 2014 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for insurance for car rental (I don't own a car)
Replies: 3
Views: 396

Advice for insurance for car rental (I don't own a car)

Hi all, I don't own a car so I do not have a traditional auto insurance policy. I live in an area where I can get by without a car on weekdays, but I will rent a car for the weekend, and my car rentals are quite frequent. What insurance coverage would I need to "bulletproof" myself from ac...
by AndroAsc
Wed Aug 27, 2014 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Help with specific COL calculations: Midwest vs Coastal City
Replies: 11
Views: 718

Re: Help with specific COL calculations: Midwest vs Coastal

There are lots of COL calculators on the web. Best to look at several to compare. They are tracking this information in a more uniform way than we as posters on a forum would. Our opinions might be interesting, but I'd lean on the calculators for better information. COL calculators are not accurate...
by AndroAsc
Wed Aug 27, 2014 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Help with specific COL calculations: Midwest vs Coastal City
Replies: 11
Views: 718

Help with specific COL calculations: Midwest vs Coastal City

I've been crunching some numbers about COL adjustments for moving from a Midwest area to an East/West Coast region. I would really appreciate some input as to whether my numbers would be accurate: The assumption is that if I move to a high COL area, I would live in a cheaper suburb and commute about...
by AndroAsc
Thu Aug 21, 2014 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Recommendation for good paycheck calculator for net income
Replies: 4
Views: 832

Recommendation for good paycheck calculator for net income

Normally, I use paycheck city to calculate my net income after IRA/401k contributions, and one feature I like is that it calculate city/state taxes too, which makes it very good for comparing net salaries for jobs in different location. BUT... paycheck city is broken. I realized this when they were ...
by AndroAsc
Mon Jul 14, 2014 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2797

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
Sun Jul 13, 2014 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2797

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 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2797

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 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2797

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 Apr 06, 2014 7:59 am
Forum: Investing - Theory, News & General
Topic: Getting a sense of scale of returns during bull/bear
Replies: 4
Views: 404

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
Fri Mar 07, 2014 7:48 am
Forum: Investing - Theory, News & General
Topic: Question on Sanctions and Asset Seizures
Replies: 5
Views: 479

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 6:57 am
Forum: Investing - Theory, News & General
Topic: Question on Sanctions and Asset Seizures
Replies: 5
Views: 479

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...

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