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Re: paydown strategy for mortgage

It sounds good, except you have not, today, saved that $200k+ per year x 20 years. You only have the plan to save that money. Things happen. Illness/disability, layoffs, structural economic change impacting job compensation or security, ill parents... stuff. Liquidity is worth nothing until you nee...
by Blue
Sun Apr 20, 2014 6:09 am
 
Forum: Personal Finance (Not Investing)
Topic: paydown strategy for mortgage
Replies: 32
Views: 1565

Re: Can I get some alpha? (DFA / Wealthfront)

I think very highly of DFA as it is now. I worry about what it could become when David Booth cashes out and there is a new owner who is looking for return on their investment/purchase *from* DFA investors. With a large taxable account, an investor has to consider comfort level with the investment bo...
by Blue
Sat Apr 12, 2014 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Can I get some alpha? (DFA / Wealthfront)
Replies: 58
Views: 2919

Re: negotiation for MD, contracts, RVUs etc

You might consider acquiring a copy of the MGMA Physician Compensation and Production survey for data points in terms of RVU production, specialty specific compensation/RVU etc. Your specialty society may also have valuable data points valuable in contract negotiations. For example, I have the 2009 ...
by Blue
Fri Apr 11, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: negotiation for MD, contracts, RVUs etc
Replies: 11
Views: 728

Re: Hypothetically living off investment dividends?

What are the communities feelings on Blackrock Muni Funds? https://www2.blackrock.com/us/individual-investors/products-performance/closed-end-funds MHN - BlackRock MuniYield New York Quality Fund, Inc. BTT - Municipal Target Term Trust BHYRX - BlackRock High Yield Bond Fund BYM - BlackRock Municipa...
by Blue
Tue Mar 25, 2014 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hypothetically living off investment dividends?
Replies: 34
Views: 3020

Leveraged Muni Funds - Potential Downsides?

What are the potential downsides to leveraged muni funds with yields twice Vanguards Muni funds? How does the math work when interest rates rise? When do yield payments suffer? Greatness asks the below in another thread. I was curious as well and thought the question deserving of its own thread. Wha...
by Blue
Tue Mar 25, 2014 7:23 pm
 
Forum: Investing - Theory, News & General
Topic: Leveraged Muni Funds - Potential Downsides?
Replies: 1
Views: 219

Re: Hypothetically living off investment dividends?

I know they go out long. As for the closed ended Blackrock ones, I am not entirely sure. They've been going strong, some for over 20 years. Blackrock isn't really a fly by night company. The highest yielding munis I see by Vanguard are in the low 3's for comparison. It looks like your plan is count...
by Blue
Tue Mar 25, 2014 5:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hypothetically living off investment dividends?
Replies: 34
Views: 3020

Re: Hypothetically living off investment dividends?

if current muni and stock yields are around 2% and you can live off them, then you are implying a 2% withdrawal rate. That has always been sustainable, including accounting for inflation, regardless of how you mentally account for that income. Even 3% has always been sustainable. 4% is sustainable ...
by Blue
Tue Mar 25, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hypothetically living off investment dividends?
Replies: 34
Views: 3020

Re: The Estate lawyer cost us big

Our local law school had to change the name of its atrium after a prominent and powerful local attorney was convicted of misappropriating client funds over many years. It sounds like his behavior was more egregious than what you believe to be the case in your situation, and took some number of years...
by Blue
Tue Feb 25, 2014 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Estate lawyer cost us big
Replies: 109
Views: 8891

Re: The Estate lawyer cost us big

Placing myself in your situation, I'd be inclined to ask for clarification of the bill with the comment that it was much higher than you anticipated. Perhaps the firm will retroactively apply "a family discount"? I'd also be inclined to spend a few hundred dollars talking to a unaffiliated...
by Blue
Fri Feb 21, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Estate lawyer cost us big
Replies: 109
Views: 8891

Re: Buying a 'loaded' vs stripped down vehicle

We "load up" the safety features when purchasing. Adaptive cruise often comes with precollision systems. Because kinetic energy is mass x square of velocity, a small reduction in collision speed has the potential to be life altering. Not sure why more don't insist on some sort of precollis...
by Blue
Wed Feb 19, 2014 9:48 pm
 
Forum: Personal Consumer Issues
Topic: Buying a 'loaded' vs stripped down vehicle
Replies: 52
Views: 3119

Re: What to do when a parent's money runs out?

Those saying send the money without qualification have never met a mother like my mother-in-law.

There are some instances where sending the money only enables bad behaviors.
by Blue
Sat Feb 15, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: What to do when a parent's money runs out?
Replies: 135
Views: 15221

Re: My kids want a treehouse -

I was wondering if the OP was going to build a tree-house that had easy (meaning a ladder) access, or you had to climb up to reach it. There has been quite a bit of internal discussion between the kids on this issue, a volleying back and forth the pros and cons of each option. As of now, there is a...
by Blue
Mon Feb 10, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: My kids want a treehouse -
Replies: 36
Views: 2536

Re: My kids want a treehouse -

Great comments - really have enjoyed reading them! Liability coverage in place. Books on order, Tree Houses You Can Actually Build: A Weekend Project Book and Home Tree Home: Principles of Treehouse Construction and Other Tall Tales Found a great treehouse supply site, http://www.treehousesupplies.c...
by Blue
Mon Feb 10, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: My kids want a treehouse -
Replies: 36
Views: 2536

Re: My kids want a treehouse -

Thank you for the great comments thus far - appreciate each one, hope for additional thoughts/tips/warnings and really value the breadth of this boards experience. Both http://www.treetopbuilders.net/treehouse-safety-kids/ and http://www.nelsontreehouseandsupply.com/ look amazing including weekend c...
by Blue
Sun Feb 09, 2014 1:50 pm
 
Forum: Personal Consumer Issues
Topic: My kids want a treehouse -
Replies: 36
Views: 2536

My kids want a treehouse -

What kids don't right? We have the yard with trees and are willing to put some resources/energy into the project.

Any experience or recommendations building or hiring built a treehouse? Tips/Warnings?

Thanks in advance.
by Blue
Sun Feb 09, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: My kids want a treehouse -
Replies: 36
Views: 2536

Re: 529 questions

Two considerations, I) Will you miss out on any future tax years benefits by not making future contributions? We plan to make future annual contributions for the tax benefits and so have avoided "fully funding" at outset. II) A conservative asset allocation's expected returns may (probably...
by Blue
Sat Feb 01, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 questions
Replies: 31
Views: 1829

Re: Warren Buffett Books - for kids

I wonder if Barnes and noble find a book by lexile range/grade would be helpful?

http://www.barnesandnoble.com/reading-l ... search.asp
by Blue
Thu Jan 30, 2014 9:27 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books - for kids
Replies: 12
Views: 1039

Re: Home Affordability - Good Income, Luxury Home

... Home would be 600K, maximum. Property taxes are roughly 5.5K annually with $500/yr HOA fees. With a 200K down payment and a 4.125% 30 year mortgage for the rest I figure the payment (all in) would be $2500/month... Am I missing anything? Thanks in advance for your thoughts. I know many may thin...
by Blue
Tue Jan 28, 2014 9:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Home Affordability - Good Income, Luxury Home
Replies: 31
Views: 2825

Re: $200 K available to pay off mortgage- what to do?

Our present situation is similar to the OP. We have set ourselves on a payment plan such that the mortgage payoff at ARM rate reset date is a nominal amount we could easily cover. We front loaded this payment plan for peace of mind but this is a function of income stability. Monies available beyond ...
by Blue
Sun Jan 19, 2014 10:24 am
 
Forum: Investing - Help with Personal Investments
Topic: $200 K available to pay off mortgage- what to do?
Replies: 22
Views: 2357

Re: roth IRA for kids from lemonade stand

Curious as well.
by Blue
Wed Jan 15, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: roth IRA for kids from lemonade stand
Replies: 13
Views: 935

How do you "Stay the Course"?

How do you "stay the course"? What tools and strategies do you utilize?
by Blue
Tue Jan 14, 2014 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: How do you "Stay the Course"?
Replies: 52
Views: 3215

Re: Constructive Criticism and Tough Love

Who is John Galt?
by Blue
Sun Jan 12, 2014 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Constructive Criticism and Tough Love
Replies: 45
Views: 4249

Re: My 30-year Forecast

Rodc wrote:
Alistair wrote:Is the 45/65 the Bayesian bit?


Cap weight a couple of years ago; after last year might be higher US now, haven't looked. My acceptable level of crudeity is around 10 percent so I don't pay that much attention. Plus historically the precise split has been pretty unimportant.



Levering up a bit eh?
by Blue
Sun Jan 12, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: My 30-year Forecast
Replies: 63
Views: 6621

Re: Best choice for 100% Stocks?

35% Vanguard TSM 25% Vanguard SCV 20% Vanguard Int Developed 10% Vanguard EM 10% Vanguard International Small Cap This achieves 100% equity returns, maximizes diversity across factors and geographies (10% minimum allocation allows for meaningful allocation), recognizes the impact of tracking error o...
by Blue
Fri Jan 10, 2014 7:40 am
 
Forum: Investing - Theory, News & General
Topic: Best choice for 100% Stocks?
Replies: 48
Views: 4400

Re: Are AQR's Profitability "Core" Funds purely Active Mgmt?

MasonStorm One other thing Re profitability alone, I wrote a piece that helps give you the answer http://www.indexuniverse.com/sections/index-investor-corner/20583-swedroe-inside-the-profitability-factor.html?start=1 There are value metrics that provide more exposure to the profitability factor, li...
by Blue
Mon Jan 06, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: Are AQR's Profitability "Core" Funds purely Active Mgmt?
Replies: 14
Views: 885

Re: Dimentional Fund Advisors

livesoft wrote:Life will be tough if one gives up so easily on using internet search tools.


Snorted my morning coffee laughing at this!

On a serious note, we hold some DFA funds in the Utah Educational Savings Plan with the added benefit of no advisor fee.
by Blue
Mon Jan 06, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Dimentional Fund Advisors
Replies: 11
Views: 842

Re: Do you need bonds if you have far more money than you ne

If the 100% stock is globally and risk factor diversified, I think it merits consideration.
by Blue
Sun Jan 05, 2014 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: Do you need bonds if you have far more money than you need?
Replies: 54
Views: 3318

Re: Are AQR's Profitability "Core" Funds purely Active Mgmt?

AQR introduced a small and large cap momentum fund in 2009. (AMOMX, ASMOX). Both have failed to capture a momentum premium for the period of being "live" ( PortfolioVisualizer FF Regression on Size and Value for AMOMX and ASMOX ) Before investing with the approach you outline, I'd want a f...
by Blue
Sun Jan 05, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Are AQR's Profitability "Core" Funds purely Active Mgmt?
Replies: 14
Views: 885

Re: "Vanguard Dominates the Fund Industry Again in 2013"

solonseneca wrote:Based on this chart I suppose it would be wrong to suggest that if Vanguard were a stock that one should buy it....


I "bought it" back in 2003

:D :D :beer
by Blue
Fri Jan 03, 2014 7:06 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard Dominates the Fund Industry Again in 2013"
Replies: 4
Views: 670

Re: School District Not Allowing me To Invest

Reminds me of the Andrew Jackson quote,

"One person with courage makes a majority".

I recall a Yale professor writing letters to fee laden 401k plans with threats of publicly releasing names of "bad plans". I wonder if he has looked at 403b's?

Good luck on your endeavor.
by Blue
Fri Jan 03, 2014 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: School District Not Allowing me To Invest
Replies: 82
Views: 6061

Re: Vanguard grabbed $1 of every $4 put into funds in 2013

I'm still surprised at how many smart people I know who just don't get it (or more often, don't seem to care to get it).
by Blue
Fri Jan 03, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard grabbed $1 of every $4 put into funds in 2013
Replies: 6
Views: 1671

Re: What Do You Make of This Chart?

One post mentioned that the results found in the Morningstar study do not seem to be evident in the last 5 years. My guess is that this may be the result of advisors engaging in tax loss harvesting during the 2008 and 2009 periods. I know we were making such trades like a robot whenever our criteri...
by Blue
Fri Jan 03, 2014 6:31 am
 
Forum: Investing - Theory, News & General
Topic: What Do You Make of This Chart?
Replies: 21
Views: 1930

Re: Check up to Begin 2014

Also, I assume you meant VTSAX instead of VTSMX in taxable given the size of your portfolio, but you should confirm that you have admiral shares for the lower expense ratio.
by Blue
Fri Jan 03, 2014 6:15 am
 
Forum: Investing - Help with Personal Investments
Topic: Check up to Begin 2014
Replies: 12
Views: 1690

Re: Check up to Begin 2014

g$$ wrote:Do you have any kids? You could find more tax advantaged space with a 529. Or maybe you can contribute to an HSA?


Indiana has 20% 529 tax credit up to $5,000 max contribution. Well worth the consideration.
by Blue
Fri Jan 03, 2014 6:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Check up to Begin 2014
Replies: 12
Views: 1690

Re: Swedroe-type portfolio: downside risk vs tracking error

Perhaps a naive way of looking at this, but part of me sleeps better at night knowing that Bernanke/Greenspan/Yellen is interested and actively considering the outcome of beta risk. I'm not sure they have the same consideration for other factor risks. Trying to avoid being political, my concern woul...
by Blue
Fri Jan 03, 2014 6:02 am
 
Forum: Investing - Theory, News & General
Topic: Swedroe-type portfolio: downside risk vs tracking error risk
Replies: 32
Views: 3893

Re: What Do You Make of This Chart?

Of course, Alan Roth came to a bit different conclusion Have DFA advisors helped clients avoid mistakes?

It appears that there is strong evidence that DFA advisors have significantly underperformed in the largest five DFA funds over the past five years.
by Blue
Tue Dec 31, 2013 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: What Do You Make of This Chart?
Replies: 21
Views: 1930

Re: New car now?

BuckyBadger wrote:Does the car have ESC? I wouldn't put my (hypothetical) toddler in a 1999 anything unless I didn't have any other choice.

Safety DOES advance, and those advances have value.



+1 -

I'd buy a new car for the safety enhancements alone.
by Blue
Tue Dec 31, 2013 4:48 pm
 
Forum: Personal Consumer Issues
Topic: New car now?
Replies: 44
Views: 2429

Re: Behavioral Investing - James Montier

In the same theme, I enjoyed Bill Bernstein's quote in today's WSJ The Best Financial Advice I Ever Got (or Gave) The best financial advice I ever got was from Fred Schwed's classic book, "Where Are the Customers' Yachts?", first published in 1940. Schwed wrote: "Like all of life's ri...
by Blue
Mon Dec 30, 2013 2:16 pm
 
Forum: Investing - Theory, News & General
Topic: Behavioral Investing - James Montier
Replies: 18
Views: 1787

Re: duration timing

It is a great question that I've wondered myself. Thanks for posting this thread.
by Blue
Mon Dec 30, 2013 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: duration timing
Replies: 26
Views: 1522

Re: Europe with young kids - 6 and almost 3, bad idea ?

Wonderful experiences with our 4+ aged kids in international travel with Adventures by Disney. Three similar trips to the described and all have been a resounding success for our family.
by Blue
Sun Dec 29, 2013 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Europe with young kids - 6 and almost 3, bad idea ?
Replies: 34
Views: 1972

Re: Warren Buffett Market-Beating Skills Revealed

http://www.cbsnews.com/news/how-warren-buffett-beats-the-market/ Blogged on this over a year ago--it's explained by leverage from insurance company and exposure to value and profitability factors, NOT stock picking That seems to almost be a difference without a distinction. He knew what to look for...
by Blue
Sun Dec 08, 2013 9:09 am
 
Forum: Investing - Theory, News & General
Topic: Warren Buffett Market-Beating Skills Revealed
Replies: 49
Views: 6170

Re: Potential Real Estate Partnership: Good or Bad Idea?

Sounds like there are many ways this could end badly for you.
by Blue
Tue Dec 03, 2013 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Potential Real Estate Partnership: Good or Bad Idea?
Replies: 14
Views: 988

Re: Bill Bernstein: "Take risk off the table"

From July 2003, W. Bernstein wrote a viewpoint remarkably consistent with the present article -

Mamas, Don't Let Your Babies Grow Up to be Timers
by Blue
Sat Nov 30, 2013 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Bernstein: "Take risk off the table"
Replies: 207
Views: 17022

Re: Bill Bernstein: "Take risk off the table"

A helpful article in that it causes me personally to think, "For my current level of assets/personal situation, is my risk level set at a level that will allow me to sleep at night if 2008-09 repeats?" Cue Adrian Nenu's rule - "tolerable loss = half of equity allocation" For me p...
by Blue
Thu Nov 28, 2013 7:27 am
 
Forum: Investing - Theory, News & General
Topic: Bill Bernstein: "Take risk off the table"
Replies: 207
Views: 17022

Re: Help Pick ObamaCare Plan?

These very limited networks, which are common in both on exchange and off exchange plans, seem to be a way to offer policies at a lower price-point for the same deductible. This was happening before ACA, but seems to have gotten a boost under ACA as insurers compete for the young and healthy folks ...
by Blue
Thu Nov 28, 2013 4:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Help Pick ObamaCare Plan?
Replies: 51
Views: 2473

Re: Help Pick ObamaCare Plan?

I am assuming that being young and starting a family you have sufficient income that you would not get subsidies. I would therefore stay as far as possible away from the government exchanges and buy on the private market. Don't understand your logic. The health policies are from private companies. ...
by Blue
Wed Nov 27, 2013 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Pick ObamaCare Plan?
Replies: 51
Views: 2473

Re: Have I put too much into the 529 plan?

And in 2013 the cost appears to be ~$60k per year private instead of the ~$50k per year when the thread was started.

:shock:
by Blue
Sun Nov 17, 2013 8:49 am
 
Forum: Investing - Theory, News & General
Topic: Have I put too much into the 529 plan?
Replies: 33
Views: 5695

Re: Volvo commercial

Pretty cool
by Blue
Fri Nov 15, 2013 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Volvo commercial
Replies: 2
Views: 570

Re: My relatives insulted my family for 40 years and think t

You need to discuss all of this with your estate attorney.
by Blue
Wed Nov 13, 2013 10:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: My relatives insulted my family for 40 years and think they
Replies: 131
Views: 10424

Re: DFA - Where's the alpha?

Another factor that could also possibly contribute is liquidity risk (although have not done any analysis on this but here in an interesting paper by Ibbotson - http://www.ibbotson.com/us/documents/MethodologyDocuments/ResearchPapers/LiquidityAsAnInvestmentStyle.pdf ). Interesting paper - The liqui...
by Blue
Sat Nov 09, 2013 8:06 am
 
Forum: Investing - Theory, News & General
Topic: DFA - Where's the alpha?
Replies: 96
Views: 8652
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