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Re: Best way to pay my parents back

You should at least inflation adjust the amount you give back.
by Chan_va
Thu Nov 27, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to pay my parents back
Replies: 7
Views: 1243

Re: Valuation of EE Savings Bonds

I don't know what the right answer is, and maybe there isn't one, but here is another way to skin the cat. Consider this thought experiment. Assume I have been buying $10,000 worth of EE bonds every year since 1996. (For simplicity, assume that they all have a fixed rate of 0% and double after 20 ye...
by Chan_va
Wed Nov 26, 2014 10:06 am
 
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 48
Views: 3717

Re: Safe Withdrawal Rates - Is the 4% rule still good?

To the OP: I believe the 4% SWR rule is dead for those planning for a 40-year retirement. I am 49 and planning on 2.5% SWR. 2.5% over 40 years would work even with a 0% real return. I think that's overly conservative. Remember that the 4 most dangerous words are 'this time it's different'. People a...
by Chan_va
Wed Nov 26, 2014 7:10 am
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates - Is the 4% rule still good?
Replies: 84
Views: 7962

Re: Favorite nonfiction books

If you are interested in travel memoirs, modern history, or just enjoy being immersed in a foreign land, you must read Ryszard Kapuściński. His writing is simply sublime.
by Chan_va
Tue Nov 25, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 9680

Re: Eliminating my tip fund~alternatives?

If there are others out there who would be willing to look at my follow-up question, crazy or not, as to splitting Tips, S-T with Intermediate-Term~50/50, I would appreciate your take. :o Thanks, Bill I'm willing. I've read on other posts that investing in two nominal bond funds 50/50 as you mentio...
by Chan_va
Tue Nov 25, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eliminating my TIPS fund~alternatives?
Replies: 12
Views: 1264

Re: Proposed Lifetime Retirement Investment Approach

Money is fungible. If you have $100 in equities, and add $10 in bonds in new money, it is the same as shifting $10 from the $100 from equities to bonds, and adding $10 in equities (in tax deferred/free accounts). What you are proposing is a pretty standard glide path - maybe a bit more aggressive th...
by Chan_va
Fri Nov 21, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proposed Lifetime Retirement Investment Approach
Replies: 28
Views: 2555

Re: How Not to Retire

Me thinks a little perspective is in order for this gentleman. I grew up in the middle of grinding 3rd world poverty. He travelled through Europe for decades. He now has a roof over his head. A guaranteed income stream. Guaranteed healthcare. Decent clothes. A laptop. A cellphone. He can afford to b...
by Chan_va
Mon Nov 17, 2014 6:46 am
 
Forum: Personal Finance (Not Investing)
Topic: How Not to Retire
Replies: 67
Views: 8012

Re: Not qualified for my job - what to do?

Most stuff can be learned. As a manager I am looking for common sense and initiative. It is likely that the new GM is as clueless as you are. Take this opportunity to create a plan and show initiative. Part of your plan should be to keep that consultant on for longer. If you provide some details on ...
by Chan_va
Fri Nov 14, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 5098

Re: 30% In International Stocks?

I wholeheartedly agree that "past performance is not a guarantee of future returns". As it is, U.S. stocks are currently going through the roof whereas International stocks aren't doing so well. This coupled with the fact that in the next decade International stocks are projected to be do...
by Chan_va
Wed Nov 12, 2014 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 6480

Re: I want to be a millionaire, please critique my plan

oleblue - thanks for your service.

Remember to factor in inflation. To have the equivalent of $1M today, you will likely need to have on the order of $1.5M 15 years from now. Still doable on your plan.
by Chan_va
Wed Nov 12, 2014 1:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to be a millionaire, please critique my plan
Replies: 26
Views: 4577

Re: How does AAP get affected by rotating equity into defens

Keep the end goal in mind - you are retiring and want to protect what you have. You are asking -"how can I make the equity portion of my portfolio more defensive (conservative)". Why not ask -"how can I make my portfolio more defensive (conservative)" If you rephrase the question...
by Chan_va
Wed Nov 12, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does AAP get affected by rotating equity into defensive
Replies: 3
Views: 435

Re: If your networth is over $3 million, how did you do it?

Folks, the nature vs. nurture debate is as old as thought itself. We are unlikely to add much to a field that people from Plato to a thousand geneticists, social scientists and others have pondered. I suggest we go back to the OP's original question regarding how you personally achieved this goal.
by Chan_va
Wed Nov 12, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 270
Views: 33353

Re: International Stock Diversification — A New Look

A simple way to avoid all the confusion is the buy VT, the Vanguard Total World Stock ETF. Rick Ferri This is what I do. Well, yes and no. If you want your portfolio to be cap weighted, yes. However, what this data is showing is that if you want to be revenue weighted, then no - you would weight US...
by Chan_va
Wed Nov 12, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 57
Views: 7675

Re: Amazon Echo (Alexa)

Not on the waiting list, and don't know much about it. But I am a sucker for new gadgets. Question for those who do know more - What does it give you that Google Now or Siri don't?
by Chan_va
Tue Nov 11, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Echo (Alexa)
Replies: 40
Views: 5590

Re: What if....?

The problem is that your definition of "significant" keeps going up with your portfolio. So, I prefer to think of it in % terms. So if I reword your question to: "What would you do if your portfolio went up 30% in a year due to market returns?" I guess it reveals my glass half em...
by Chan_va
Tue Nov 11, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: What if your investable assets rise significantly?
Replies: 19
Views: 2237

Re: Food Frugality: Where do you draw the line?

I will spend money on good coffee and good beer.
by Chan_va
Tue Nov 11, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 7645

Re: International Stock Diversification — A New Look

Let me ask it another way: At 100% US, I have 60% revenue exposure to the US. I go to 50% US / 50% Cash ---> now I have 30% exposure. How does 50% US / 50% Int give me 28% exposure? No, the equity portion of your portfolio still has 60% revenue exposure to the U.S. economy. Look again at the pie ch...
by Chan_va
Mon Nov 10, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 57
Views: 7675

Re: Advice please [Received large commission check]

Michael, congrats on the sale. I used to work in sales as well, and remember the thrill of a large check. However, trying to time the dip is a proven futile endeavor. There are vastly more scenarios where you will be wrong than right. I recommend just DCA'ing the amount over a few months. Also, what...
by Chan_va
Fri Nov 07, 2014 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice please [Received large commission check]
Replies: 20
Views: 2133

Re: Tough spot, decided to lease a car

Good luck techno fox. Don't get too disheartened by the posters. We all make mistakes and it looks like you are taking the right steps.
by Chan_va
Thu Nov 06, 2014 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tough spot, decided to lease a car
Replies: 209
Views: 14416

Re: 22, I want to be rich, looking for a high reward fund

You won't get rich from investing and having a low value of human capital. The ones that said you need to find a high income career (or business owner) are right. You are wrong about that, it's all about savings rate. I don't know if links are allowed here but: http://finance.yahoo.com/news/27-year...
by Chan_va
Thu Nov 06, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 6432

Re: Investing when one spouse is older

If the husband is 12 years older than the wife, and given the different life expectancy of men and women, it is likely that the wife will have to manage finances on her own for a significant amount of time. I would involve her closely in the planning process and all financial matters (which you shou...
by Chan_va
Thu Nov 06, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Investing when one spouse is older
Replies: 10
Views: 987

Re: Seasonal Indexation Impacts in TIPS Prices and Yields

Thanks mindbogle. Interesting stuff, and also goes to prove how efficient the bond market is.

In your last plot, why does the yield curve slope downward in the very beginning (upto about a year)?
by Chan_va
Thu Nov 06, 2014 4:38 pm
 
Forum: Investing - Theory, News & General
Topic: Seasonal Indexation Impacts in TIPS Prices and Yields
Replies: 17
Views: 2034

Re: Buying Pearls

This is just a personal opinion, but since you aren't sold on pearls yet and asked for opinions - I think the process of creating and harvesting pearls is inhumane. If you want to stick with jewelry, I would stick with a classic conflict free diamond. Better still, spend the money on a trip to go se...
by Chan_va
Thu Nov 06, 2014 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Buying Pearls
Replies: 24
Views: 1969

Re: I have seen the enemy and it is me. Reluctance to inves

Grateful, Don't underestimate the pernicious nature of inflation. It steadily eats away at your portfolio - you don't notice it, but it has serious long term implications. You are conservatively invested to reduce stock market volatility, but your portfolio is risky in terms of exposure to inflation...
by Chan_va
Thu Nov 06, 2014 3:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: I have seen the enemy and it is me. Reluctance to invest
Replies: 29
Views: 3418

Re: Keep it or trade it in.

The brakes and tires are normal wear and tear. But the leaking head gasket is odd. If it is in the same area, and you fixed it earlier this year, the service typically should have some sort of warranty on it - for at least a year. You should ask the dealer to fix it for free.
by Chan_va
Thu Nov 06, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Keep it or trade it in.
Replies: 5
Views: 573

Re: International index

It's interesting that the UK is listed at 15% of the fund, whereas Germany is only at 5.8%. I assume that's due to a lot of German companies preferring to list on the London exchange?
by Chan_va
Thu Nov 06, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: International index
Replies: 4
Views: 411

Re: iBonds at zero % fixed

If you are in the 15% marginal tax bracket when you withdraw in 2034, the fixed rate on your 2014 iBond needs to be about 0.8% to break even after taxes. If you are in the 25% marginal tax bracket [ it ] needs to be about 1.4% ... These numbers are not very sensitive to inflation assumptions in the...
by Chan_va
Thu Nov 06, 2014 1:52 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9338

Re: New Amica discounts available

Quidnam wrote:Essentially, you can look at the quoted price for the dividend policy and anticipate getting 20% of that back at the end of the year:
http://www.amica.com/products/dividend.html


Thanks - how much more are the premiums on a dividend policy usually compared to a normal policy?
by Chan_va
Thu Nov 06, 2014 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Amica discounts available
Replies: 26
Views: 2813

Re: iBonds at zero % fixed

I ran a quick model to see what the fixed rate on iBonds would have to be for you to break even after taxes. Assume that you buy an iBond for $10,000 today, and when you redeem it after 20 years, you want to have the equivalent of $10,000 in 2014 $ after taxes. Edit: numbers edited after correcting ...
by Chan_va
Thu Nov 06, 2014 11:46 am
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9338

Re: New Amica discounts available

lululu wrote:
ejvyas wrote:I always got Amica quotes +10% more than the second highest


The annual refund by Amica is substantial. Compare quotes taking that into account.


Looking into Amica at the moment. Can you tell me more about this annual refund? What is it, and how much on average do you get back?
by Chan_va
Thu Nov 06, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: New Amica discounts available
Replies: 26
Views: 2813

Re: Is deflation possible and how do you hedge against it?

I bonds Pay down mortgage debt Long duration bonds These should do well in a deflationary environment. Stocks usually don't do well in this type of scenario due to lack of spending by consumers. I don't worry about it too much although I do 1 and 2. There are so many worries they cancel themselves o...
by Chan_va
Wed Nov 05, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: Is deflation possible and how do you hedge against it?
Replies: 4
Views: 653

Re: iBonds at zero % fixed

[OT comment removed by admin LadyGeek] The data shows otherwise. See The Billion Prices Project and http://www.pricestats.com/us-series. They track prices of millions of real world items over time and compare that to the official CPI figures. The official CPI figures are very close to actual inflat...
by Chan_va
Wed Nov 05, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9338

Re: What Book Are You Currently Reading? Part VI

Just read Lost to the West: The Forgotten Byzantine Empire That Rescued Western Civilization

Decent read, but a bit rushed and a breathless tabloid style. Inevitable I suppose when you have to compress a thousand years into a few hundred pages.
by Chan_va
Tue Nov 04, 2014 9:39 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 254
Views: 30343

Re: Oil and or Metals?

Positive. At 1% your portfolio is unaffected if oil moves up, down or sideways.
by Chan_va
Tue Nov 04, 2014 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: Oil and or Metals?
Replies: 19
Views: 1191

Re: Should one auto-reinvest dividends in taxable?

I am jealous of this 30 yr old with 8k/mo of extra income to invest. There are lots of reasons not to auto invest dividends. Odd tax lots, potential TLH interference, finer rebalance control. That said, I auto reinvest dividends because it takes one more investing decision out of my hands. At some p...
by Chan_va
Tue Nov 04, 2014 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should one auto-reinvest dividends in taxable?
Replies: 19
Views: 2069

Re: iBonds at zero % fixed

I know the mechanics of ibonds. Fixed and variable interest rates. Returns as good as inflation. Tax free interest. I am going to admit ignorance. Why are people so gung ho on ibonds? Why do you prefer this over a Vanguard tax exempt fund? 1. Inflation hedge 2. Emergency fund paying higher than a b...
by Chan_va
Tue Nov 04, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9338

Re: The Volatility of Amazon Pricing

Thanks for the very useful information. Does anyone know if Amazon offers different prices to different buyers at the same time? I'm wondering if their programs could figure a way to customize a price based on purchasing and browsing history. This would be taking the airline pricing model to the ne...
by Chan_va
Tue Nov 04, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: The Volatility of Amazon Pricing
Replies: 21
Views: 1565

Re: The Volatility of Amazon Pricing

Thanks - nice info. I think Amazon offers 3rd parties a model where their price on an item can automatically be lowered based on other current prices. My guess is that your 3rd party forgot to set a floor price on this item, and got caught in a loop where prices kept falling. By the time they realiz...
by Chan_va
Tue Nov 04, 2014 12:21 pm
 
Forum: Personal Consumer Issues
Topic: The Volatility of Amazon Pricing
Replies: 21
Views: 1565

Re: $25K Budget for a Fun Car

The 2015 Miata looks awesome. I am in lust.
by Chan_va
Mon Nov 03, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: $25K Budget for a Fun Car
Replies: 64
Views: 6938

Re: Comparing Total Returns of Top CD Offerings with an S&P

the point is that nothing in the stock market is guaranteed Was that really a point that needed to be made? that point seems pretty trivial and obvious, but much too often people project their future networth/portfolio value based on average annual market returns, and they become shocked when they ...
by Chan_va
Mon Nov 03, 2014 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Comparing Total Returns of Top CD Offerings with an S&P 500
Replies: 38
Views: 2256

Re: Vanguard Precious Metals and Mining Fund

I am tempted to pile into this asset class now. However, I would be even more tempted if Vanguard had a fund that tracked the commodity index(es). I know I am letting the tail wag the dog. This fund is NOT a metals holding fund; it has a few ounces of platinum. Most likely so they can put "pre...
by Chan_va
Mon Nov 03, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Precious Metals and Mining Fund
Replies: 47
Views: 3596

Re: Help with portfolio for 30-year-old

Few thoughts 1. $28K in cash doesn't sound excessive as an emergency fund. 2. Where are you going to find a short term bond fund that yields considerably more than 0.3%? You should be able to find a savings account that yields close to 1%, so I would explore that rather than a bond fund. 3. You are ...
by Chan_va
Mon Nov 03, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio for 30-year-old
Replies: 2
Views: 449

Re: Car Maintenance

Can anyone tell me why brake fluid is being changed at 20K? (Subaru is "recommending" to do it at 30K). I don't recall ever changing brake fluid unless it was in conjunction with brake work (new pads, rotors, etc). Fluids deteriorate over time. They get water, debris and other contaminant...
by Chan_va
Mon Nov 03, 2014 11:36 am
 
Forum: Personal Consumer Issues
Topic: Car Maintenance
Replies: 32
Views: 4137

Re: Vanguard Precious Metals and Mining Fund

I am tempted to pile into this asset class now. However, I would be even more tempted if Vanguard had a fund that tracked the commodity index(es). I know I am letting the tail wag the dog.
by Chan_va
Mon Nov 03, 2014 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Precious Metals and Mining Fund
Replies: 47
Views: 3596

Re: CD's or muni bond fund for taxable?

I think that unless you buy muni bonds issued in your state (or in Puerto Rico, Guam or US VI) - you owe state taxes on the income. In the case of the Vanguard Interm tax exempt, you would need to figure out the % of the fund that would be subject to state tax. See here for last years info - https:/...
by Chan_va
Mon Nov 03, 2014 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: CD's or muni bond fund for taxable?
Replies: 3
Views: 484

Re: Check my TLH math

OP Here. Thanks livesoft and rhusky! (and sscritic via PM)

I didn't sell any of the shares purchased on 9/29, and I sold older shares on 10/31 - I think I am covered.
by Chan_va
Mon Nov 03, 2014 10:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Check my TLH math
Replies: 16
Views: 1121

Re: Esurance?

Folks,

Reanimating this thread. Am considering esurance as their auto quote is half of my current state farm quote.

1. Any other folks with claims experience with esurance?
2. How about experience with their home and umbrella insurance?
by Chan_va
Mon Nov 03, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Esurance?
Replies: 15
Views: 1636

Re: Check my TLH math

> I thought I would have to wait 31 days to sell any lots in Fund A to prevent a wash sale. Is that not correct? No, you don't need to wait to sell. You need to wait buy AFTER a sale I always thought it was 30 days before AND after. From sec.gov Under Internal Revenue Service rules, you cannot dedu...
by Chan_va
Fri Oct 31, 2014 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Check my TLH math
Replies: 16
Views: 1121

Re: Check my TLH math

One does not have to wait 31 days in order to sell at a loss and not have the sale be a wash sale. One can sell even a moment later at a loss and it will not be a wash sale. So I think there is some misunderstanding of what a wash sale is. Livesoft, I have been contributing regularly to Fund A over...
by Chan_va
Fri Oct 31, 2014 8:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Check my TLH math
Replies: 16
Views: 1121

Re: Does HSA make sense for me?

What are your premium's for the 2 plans? In general HSA's are great for people with low heathcare system usage.
by Chan_va
Fri Oct 31, 2014 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Does HSA make sense for me?
Replies: 13
Views: 1238
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