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Re: Another reason NOT to use (free) Wifi

I don't understand why so many people are walking around with their wifi antennas turned on. What possible purpose could that serve? Mine is always off unless I'm sitting down somewhere and want to do data-intensive work. Having it on just creates headaches with no benefit.
by Aptenodytes
Mon Apr 27, 2015 11:35 am
 
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 47
Views: 4654

Re: Pfau, Kitces, & Target-Date Fund glide paths

What they actually showed is that in a scenario where SPIA+stocks works out (and you don't spend too much out of the stocks, so their balance keeps rising), then you could replace SPIA with plain old bonds, so you instead have bonds+stocks, and the proportions are calculated based on what the resid...
by Aptenodytes
Mon Apr 27, 2015 8:56 am
 
Forum: Investing - Theory, News & General
Topic: Pfau, Kitces, & Target-Date Fund glide paths
Replies: 9
Views: 920

Re: Pfau, Kitces, & Target-Date Fund glide paths

Someone who wanted to follow the Pfau/Kitces approach would not want to use a target date fund. The trajectory you follow beginning about 5 years after retirement is driven by the interaction of market dynamics and spending patterns; you can't foreordain it. At least that's how I interpret it. The a...
by Aptenodytes
Sun Apr 26, 2015 11:59 pm
 
Forum: Investing - Theory, News & General
Topic: Pfau, Kitces, & Target-Date Fund glide paths
Replies: 9
Views: 920

Re: International Stock Poll: Emerging vs Developed Ratio

E.g., this is my portfolio, adding up to 100%: (a) US Govt Treasuries: 20%, (b) US total stock market: 50%, (c) non-US Govt Treasuries: 5%, (d) non-US stock market, DEVELOPED: 15%, (e) non-US stock market, EMERGING: 10%. Now, is my emerging this: 10% / (10+15)% = 40%, or is my emerging this: 10% / ...
by Aptenodytes
Sat Apr 25, 2015 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Poll: Emerging vs Developed Ratio
Replies: 55
Views: 2517

Re: International Stock Poll: Emerging vs Developed Ratio

I would have anchored a point in the poll around 17-20%, which captures what Vanguard considers the emerging percentage (18-19%) of the total market. That's the untilted percentage. I had to answer 11-20% which veers very far into the developed tilt and hardly at all into the emerging tilt.
by Aptenodytes
Sat Apr 25, 2015 9:51 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Poll: Emerging vs Developed Ratio
Replies: 55
Views: 2517

Re: Inherited IRA Options

1) I'll reinforce the point that trusts shouldn't be created lightly, and certainly not without thinking through the cost implications. In this particular case, if I were the OP's sister I would have explored very different options. E.g. I would have considered leaving the $80,000 to the OP with ins...
by Aptenodytes
Fri Apr 24, 2015 2:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA Options
Replies: 15
Views: 538

Re: Another TREA question

It doesn't really matter, does it? There isn't anything else like it, so which fund would you switch to based on cost? For these sui generis funds you need to look at the investment philosophy and the long-term track record. There's really nothing else to go on. If TREA came on to the market today, ...
by Aptenodytes
Wed Apr 22, 2015 6:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Another TREA question
Replies: 6
Views: 443

Re: "How much of your portfolio is in index funds, and why?"

Interesting question. I would argue that you can be faithful to the boglehead philosophy without having a high percentage in index funds. Even Taylor kind of hedged his answer by saying "nearly all" of his funds are index funds. That means 2/3 of them are. In my case, half of my "fund...
by Aptenodytes
Tue Apr 21, 2015 9:27 pm
 
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 78
Views: 6510

Re: Taking Care Of Leaves

Another vote for mulching them in place with a mower.
by Aptenodytes
Tue Apr 21, 2015 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Taking Care Of Leaves
Replies: 18
Views: 1274

Re: New Wade Pfau on Guyton-Klinger & Other Ret. Strategies

Regarding unexpected jumps in medical costs, this seems like a question that hasn't been addressed very systematically. 1) Some people have so much money they can absorb almost any calamity. They don't have to worry. 2) Some people are wealthy enough to afford long-term care insurance without having...
by Aptenodytes
Tue Apr 21, 2015 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: New Wade Pfau on Guyton-Klinger & Other Ret. Strategies
Replies: 13
Views: 1710

Re: Temporal autocorrelation of stock/fund prices and moveme

My intuitive synthesis is that fund prices exhibit strong path dependence, with path dependence increasing in inverse proportion to the time frame. The way the NY Times visualizes stock price trends on Sundays reflects this (trend lines with confidence intervals shaded around them) -- the expected d...
by Aptenodytes
Mon Apr 20, 2015 9:54 am
 
Forum: Investing - Theory, News & General
Topic: Temporal autocorrelation of stock/fund prices and movement
Replies: 30
Views: 1407

Re: New Wade Pfau on Guyton-Klinger & Other Ret. Strategies

In general I find it extremely helpful when the moderators merge threads on the same topic. I often can't get to the forum for days at a time, and if there's something interesting being said about a new paper or idea it is far better to catch up on the discussion within a single thread. One reason t...
by Aptenodytes
Mon Apr 20, 2015 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: New Wade Pfau on Guyton-Klinger & Other Ret. Strategies
Replies: 13
Views: 1710

Re: All-into Reit ETF in Roth IRA (SCHH)?

Some important things: 1) I it isn't clear what allocation to REITs you are aiming for. On the one hand you say you are aiming for 40% REITS. But then the very next sentence says that you are 65% domestic equities and 35% international equities, which is confusing. Normally if you have a target for...
by Aptenodytes
Sun Apr 19, 2015 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: All-into Reit ETF in Roth IRA (SCHH)?
Replies: 17
Views: 744

Re: What Guaranteed Return Would You Require to Move All Ass

My answer is the same as Nisiprius. There is no rate that gets me in as stated, but per your modification I would opt in at 5% real.
by Aptenodytes
Sun Apr 19, 2015 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: What Guaranteed Return Would You Require to Move All Assets
Replies: 54
Views: 3153

Re: My job says I can't work for anyone else...

Maybe in some other countries (one poster claims this is so in the UK) an employer is not allowed to fire you for violating a contract that says don't work for someone else while working for us. But the US gives far greater latitude to employers seeking to fire people than other rich democracies. I ...
by Aptenodytes
Sun Apr 19, 2015 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: My job says I can't work for anyone else...
Replies: 61
Views: 6083

Re: Home stereo system conversion to digital

Support the Sonos plus NAS idea.

In three years everything will be different.
by Aptenodytes
Fri Apr 17, 2015 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Home stereo system conversion to digital
Replies: 27
Views: 1887

Re: Battery or Gas Lawn Mower

For me it isn't the size of the yard but the roughness of the terrain. I have had a black&decker battery powered mower for maybe 3 years and it is falling apart, I think because the many roots and dips are too much for it. The mower is heavy but not rugged, a bad combination for me. If you have ...
by Aptenodytes
Fri Apr 17, 2015 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Battery or Gas Lawn Mower
Replies: 33
Views: 2108

Re: Investing with Betterment

While there are some vehicles we can rule out for everyone, I wouldn't put betterment in that category. Some people need some extra sex appeal to get started and stay on track, and if 35 cents helps get the $100 invested each month I'd say it is worth it. If you don't need that pull go livesoft's ro...
by Aptenodytes
Fri Apr 17, 2015 6:34 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing with Betterment
Replies: 10
Views: 953

Re: selective bias

Do you recommend the same practice for astrologers? Not needed with advisors either.
by Aptenodytes
Thu Apr 16, 2015 6:23 am
 
Forum: Investing - Theory, News & General
Topic: selective bias
Replies: 6
Views: 785

Re: Setup a Vanguard Roth IRA for wife help choose a fund

While it is common for people to recommend target date funds to people who have not yet chosen an asset allocation for their portfolios, that advice does not necessarily make sense if the question is directly solely at a Roth IRA. What I would say is different: 1) Do you have other retirement accoun...
by Aptenodytes
Wed Apr 15, 2015 1:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Setup a Vanguard Roth IRA for wife help choose a fund
Replies: 8
Views: 749

Re: How much should a small tile floor (3' X 5') cost? $2000

Price per square foot will go up as the size of the floor goes down. If all there were to it was placing a bunch of tiles down, there'd be nothing to it. But you have to cut to fit around corners and toilet bowls, and to evenly match the width and length. I had a 10-8 floor and a shower wall put in...
by Aptenodytes
Wed Apr 15, 2015 12:33 pm
 
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 3243

Re: How much should a small tile floor (3' X 5') cost? $2000

Price per square foot will go up as the size of the floor goes down. If all there were to it was placing a bunch of tiles down, there'd be nothing to it. But you have to cut to fit around corners and toilet bowls, and to evenly match the width and length. I had a 10-8 floor and a shower wall put in ...
by Aptenodytes
Wed Apr 15, 2015 12:16 pm
 
Forum: Personal Consumer Issues
Topic: How much should a small tile floor (3' X 5') cost? $2000?
Replies: 47
Views: 3243

Re: Can't Just Do Nothing

There was a recent thread on this topic . Here's my list of no-harm "do-somethings." 1) Create a portfolio tracking spreadhseet 2) Automate your portfolio tracking spreadsheet 3) Update your spreadsheet manually -- enter new share totals whenever you make a contribution, or get distributio...
by Aptenodytes
Wed Apr 15, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Can't Just Do Nothing
Replies: 45
Views: 6131

Re: Can existing employer require new credit report every ye

How can it be illegal to ask someone for permission to look at their credit report?
by Aptenodytes
Wed Apr 15, 2015 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Can existing employer require new credit report every year?
Replies: 37
Views: 3186

Re: MFs needs better way of reporting performance/returns

If you are smart enough to be posing this question, you are smart enough to know that you choose portfolios based on asset categories, not funds. There are various tools to help you choose asset categories. When it comes to choosing funds, you just need to look at how well they track the benchmark a...
by Aptenodytes
Wed Apr 15, 2015 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: MFs needs better way of reporting performance/returns
Replies: 22
Views: 1234

Re: Need help understanding market cap in total market

I don't see how any of this matters. If you want a collection of funds to have the same composition as the total market, then it doesn't matter which diagnostic tool you use, as long as you use the same tool for each fund. This follows from the basic principles of arithmetic. If Morningstar tells yo...
by Aptenodytes
Wed Apr 15, 2015 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Need help understanding market cap in total market
Replies: 12
Views: 1005

Re: Does the daily re-balancing undermine asset allocation?

If you think you know the optimal rebalancing strategy, you should not be in any funds that rebalance for you. If you think you can identify some rebalancing strategies that are bad, you should not be in any funds that follow them. What the optimal strategy is, and whether there are clearly bad stra...
by Aptenodytes
Wed Apr 15, 2015 7:12 am
 
Forum: Investing - Theory, News & General
Topic: Does the daily re-balancing undermine asset allocation?
Replies: 13
Views: 1322

Re: Need help understanding market cap in total market

They are the same. Where do you see inconsistency?
by Aptenodytes
Wed Apr 15, 2015 6:11 am
 
Forum: Investing - Theory, News & General
Topic: Need help understanding market cap in total market
Replies: 12
Views: 1005

Re: VPN killing my Internet

If you are wanting to use the Internet and have nothing going on at work, you could just shut down the VPN. All traffic will then go to the Internet. But you will have to start the VPN back up next time you want to access the work or customer network. I am sure there is a way to do that. I had a VP...
by Aptenodytes
Tue Apr 14, 2015 8:50 pm
 
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2746

Re: using MS Excel for tracking personal finances ?

I'd say you likely have dependencies on legacy software that will create headaches down the road. Maybe you had fun creating these things but you may be better off down the line simplifying. If you really like what you have check into setting up a virtual machine in the cloud configured with an os a...
by Aptenodytes
Tue Apr 14, 2015 8:42 pm
 
Forum: Personal Consumer Issues
Topic: using MS Excel for tracking personal finances ?
Replies: 5
Views: 1259

Re: Inexpensive Smartphone

I was just looking into this question myself, after a child needed a replacement following what was apparently a spontaneous collapse of physical integrity in their iPhone. What I ended up thinking was the best cheap smartphone was the Moto G, around $175 unlocked. I guess it is hard to do apples-to...
by Aptenodytes
Mon Apr 13, 2015 12:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 4031

Re: Cloud Storage

On the Android devices, is the app something you have to run, or does it do everything automatically? Or can it be set to backup at some interval? Being "seamless" is really important for us. In this use case the app is configured to run in the background from startup. It uploads each pho...
by Aptenodytes
Mon Apr 13, 2015 8:37 am
 
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 4517

Re: Reimbursed Client expenses on 1099. How to handles in ta

I had this happen a couple times with me. I just did what hcj says to do.
by Aptenodytes
Sun Apr 12, 2015 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reimbursed Client expenses on 1099. How to handles in taxes?
Replies: 4
Views: 257

Re: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years

I'm guessing that you are planning to buy new 20-year instruments each year for the next 20 years. I'm not sure I follow the logic of doing this in taxable space unless you opt for instruments that can only be used in taxable accounts. I'm doing ~half of what you are doing and I'm doing it all in ta...
by Aptenodytes
Sun Apr 12, 2015 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds vs EE Bonds vs TIPS vs Treasuries - 20 years
Replies: 22
Views: 1884

Re: A 100% newbie asking for advise desperately

As BolderBoy suggests you should be doing a lot of reading at this stage, not rushing into things. The Getting Started Wiki is a good recommendation. As you read up, keep some of these questions in mind: 1) What do you need to do to arrive at a decision on whether or not you will buy a house? Resear...
by Aptenodytes
Sun Apr 12, 2015 10:27 am
 
Forum: Investing - Help with Personal Investments
Topic: A 100% newbie asking for advise desperately
Replies: 10
Views: 757

Re: New York Times article on bond funds

The concern is that structural problems arising from the liquidity artifacts will trigger broader panic and price volatility. Isn't it the opposite? My impression was that, yes, there are real liquidity issues, but it's not the "liquidity issues" that could trigger a panic. Rather, it wil...
by Aptenodytes
Sun Apr 12, 2015 10:09 am
 
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3361

Re: Need Advice on Investing Inheritance for the long haul

If you are currently putting $20K / year into tax-advantaged savings, that leaves an additional $26,000 you could be contributing, using 2014 limits. Your RMDs will cover about $3000 of that. If you take away $30k for grad school and $15k for a car, then $150K in cash will cover about 6 years of top...
by Aptenodytes
Sun Apr 12, 2015 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice on Investing Inheritance for the long haul
Replies: 4
Views: 529

Re: New York Times article on bond funds

OTOH how worried should I be about the liquidity of a fund or ETF I am not going to sell? The concern is that structural problems arising from the liquidity artifacts will trigger broader panic and price volatility. Some funds may encounter significant costs if they have to borrow heavily to meet r...
by Aptenodytes
Sun Apr 12, 2015 9:17 am
 
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3361

Re: Help me figure out my (FIRE) number?

Part three implies 0% real return, which is ultra conservative (an all-TIPS portfolio). If you are less conservative than that you can get by with less money.
by Aptenodytes
Sun Apr 12, 2015 8:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Help me figure out my (FIRE) number?
Replies: 8
Views: 1827

Re: New York Times article on bond funds

It would be interesting to see what the average daily volume is in the "primary market" (where authorized participants exchange the ETF shares with the underlying bonds) for the most popular bond ETFs (and the ones I own :) ). Is that info readily available and is it available for every d...
by Aptenodytes
Sun Apr 12, 2015 8:49 am
 
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3361

Re: Need some help with SPIA choices

You seem to be asking two questions: 1) For small amounts, what to do? 2) For large amounts, what to do? For 1, the process is the same as choosing an insurance company. Do you remember doing that? You want a company with a good balance sheet, no regulatory red flags. and a long track record of reli...
by Aptenodytes
Sun Apr 12, 2015 6:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Need some help with SPIA choices
Replies: 6
Views: 758

Re: Is Short-term Corp. Best With Total Bond?

If you wish you can compare corporate/treasury spreads to their long-term average, and see whether short-term corporates or medium-term corporates appear the better bargain. If you do that for the present market, I believe the short-term corporates look better than the intermediate-term corporates. ...
by Aptenodytes
Sun Apr 12, 2015 4:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Short-term Corp. Best With Total Bond?
Replies: 6
Views: 741

Re: Household Gross Income Poll

I am still trying to figure out how one respondent does not fit into any of those categories. :confused You can figure it out from EmergDoc's framing. It would have to be someone working full time but compensated in something non-liquid. Could be a business owner who doesn't draw a salary but build...
by Aptenodytes
Sat Apr 11, 2015 9:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12543

Re: Pandora or Spotify?

jebmke wrote:
TwoByFour wrote:Spotify talks about choosing songs, but it does not say anything about albums. You can pick an entire album to play?


Yes. They have a free version (ads). Give it a try.

And having added an album to your playlist you can easily modify it, eg delete that one track you can't stand.
by Aptenodytes
Sat Apr 11, 2015 3:51 pm
 
Forum: Personal Consumer Issues
Topic: Pandora or Spotify?
Replies: 6
Views: 608

Re: RMD and paying taxes

Thank you everyone for your timely advice. However, VG wrote: The most common flaw I see is stock funds in a traditional IRA or 401(k), combined with taxable and/or municipal bonds in a taxable account. Using this approach means paying higher ordinary income taxes on stock gains (at withdrawal in r...
by Aptenodytes
Sat Apr 11, 2015 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD and paying taxes
Replies: 12
Views: 1265

Re: RMD and paying taxes

The Vanguard advice is the conventional wisdom. As with all conventional wisdom, do due diligence and make sure it is right for you. RMDs have nothing to do with it, however, except in the rare case of someone who has no need to ever withdraw from their IRA/401k.
by Aptenodytes
Sat Apr 11, 2015 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD and paying taxes
Replies: 12
Views: 1265

Re: Pandora or Spotify?

I played around with Pandora for a bit. I've used the $10/month Spotify for a few years now. I am extremely happy with Spotify. I don't know what else to say; there are good comparisons on line. I can answer specific questions.
by Aptenodytes
Sat Apr 11, 2015 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Pandora or Spotify?
Replies: 6
Views: 608

Re: protecting passport from damage

My passport travels with me 24-7. Easier than having to remember to bring it when I need it. It is like a driver license. I used to throw it naked in the backpack. It is sturdy stock and hard to damage. Then someone gave me a little leather portfolio just big enough to hold it and a few related trav...
by Aptenodytes
Sat Apr 11, 2015 1:26 pm
 
Forum: Personal Consumer Issues
Topic: protecting passport from damage
Replies: 23
Views: 1610

Re: My Portfolio is a mess. Please help me sort it out.

If you have been reading and thinking, I'd suggest you try to clear the Personal Capital recommendation from your mind and write down your own ideas on what allocation makes sense. It will be easier to stick to the plan if you understand it better. The Personal Capital plan isn't crazy but if it wer...
by Aptenodytes
Fri Apr 10, 2015 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Portfolio is a mess. Please help me sort it out.
Replies: 20
Views: 2191

Re: Hard time pulling the switch

You should spell out in more detail what concerns you about the funds that cannot be moved. Is it that the new funds will be so different that you may end up switching portfolios exactly at the same time that the old funds go up and the new funds go down? If so, you can easily control that by choosi...
by Aptenodytes
Fri Apr 10, 2015 4:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hard time pulling the switch
Replies: 8
Views: 1182
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