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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 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 3724

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 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 3724

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 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 3724

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
Tue Nov 18, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 3724

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 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 197
Views: 26771

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 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of Living vs Networking & Career Growth Opportunities
Replies: 7
Views: 895

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
Mon Nov 10, 2014 1:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost of Living vs Networking & Career Growth Opportunities
Replies: 7
Views: 895

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
Sun Nov 09, 2014 7:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of Living vs Networking & Career Growth Opportunities
Replies: 7
Views: 895

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 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4622

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 10:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4622

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 6:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4622

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 6:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4622

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
Tue Oct 28, 2014 5:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 4622

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
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: 355

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 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with specific COL calculations: Midwest vs Coastal City
Replies: 11
Views: 671

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
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: 671

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
Thu Aug 21, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recommendation for good paycheck calculator for net income
Replies: 4
Views: 748

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 10:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2712

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 4:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2712

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 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2712

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 6:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Moving from Midwest to Coastal Cities: COL Adjustment?
Replies: 25
Views: 2712

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 7:59 am
 
Forum: Investing - Theory, News & General
Topic: Getting a sense of scale of returns during bull/bear
Replies: 4
Views: 384

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 7:48 am
 
Forum: Investing - Theory, News & General
Topic: Question on Sanctions and Asset Seizures
Replies: 5
Views: 459

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 6:57 am
 
Forum: Investing - Theory, News & General
Topic: Question on Sanctions and Asset Seizures
Replies: 5
Views: 459

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 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: No car, moving for a 3-mth assignment, cheapest car option?
Replies: 12
Views: 589

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 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: No car, moving for a 3-mth assignment, cheapest car option?
Replies: 12
Views: 589

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 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: No car, moving for a 3-mth assignment, cheapest car option?
Replies: 12
Views: 589

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 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 77
Views: 5904

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 8:40 pm
 
Forum: Investing - Theory, News & General
Topic: Investing (not speculating) in Bitcoin
Replies: 119
Views: 11279

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 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best careers for people about to enter college?
Replies: 69
Views: 5205

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 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28832

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 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Can a company only offer its stock in a 401(k)?
Replies: 6
Views: 875

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 6:40 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28832

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 2:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard could have the edge in active ETF battle
Replies: 5
Views: 654

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 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28832

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 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else freaking about the state of the market?
Replies: 95
Views: 8226

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 1:26 pm
 
Forum: Investing - Theory, News & General
Topic: Can a company only offer its stock in a 401(k)?
Replies: 6
Views: 875

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 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28832

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 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28832

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
Sat Oct 05, 2013 11:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: If a job offers TSP is that a federal employee position?
Replies: 11
Views: 951

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 6:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Affordable plans on Exchange have extremely high deductibles
Replies: 28
Views: 2209

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
Tue Sep 10, 2013 11:09 pm
 
Forum: Investing - Theory, News & General
Topic: Reverse Logic: Bonds in Taxable, Stocks in Tax-Sheltered
Replies: 25
Views: 2119

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 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Hypothetical: Why not I-Bonds instead of TBM?
Replies: 8
Views: 1414

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 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Hypothetical: Why not I-Bonds instead of TBM?
Replies: 8
Views: 1414

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 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What instruments have built-in tax deferral (no 401k/IRA)?
Replies: 4
Views: 454

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 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to IRA if I have no earned income?
Replies: 11
Views: 1259

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 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to IRA if I have no earned income?
Replies: 11
Views: 1259

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 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: What instruments have built-in tax deferral (no 401k/IRA)?
Replies: 4
Views: 454

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 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I contribute to IRA if I have no earned income?
Replies: 11
Views: 1259

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 8:40 am
 
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau on the 4% Rule
Replies: 124
Views: 10645
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