Search found 116 matches

by Five Scoop
Wed Aug 05, 2015 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Mimic Yale endowment fund?
Replies: 8
Views: 1185

Re: Mimic Yale endowment fund?

Swensen changed the percentages for REIT to 15% and emerging markets to 10%. This was in an article published in Yale Alumni Magazine in 2009.

See the sidebar in the article below.

http://yalealumnimagazine.com/articles/ ... ng-soundly
by Five Scoop
Thu Jul 30, 2015 12:13 pm
Forum: Investing - Theory, News & General
Topic: Everybody is sick of gold - Is now the time to buy??
Replies: 37
Views: 4669

Re: Everybody is sick of gold - Is now the time to buy??

My prediction then was $600. I stick with that. How is your track record with predictions? The only thing predictable about predictions is that the outcome is unpredictable. This quote about predictions is attributed to you (link provided) : "Guru predictions are not investment advice — they a...
by Five Scoop
Wed Jul 29, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Hefty Medical Bill
Replies: 38
Views: 2993

Re: Hefty Medical Bill

The OP should read this - it mentions that just because a hospital has a religous affiliation that it may not necessarily be exempt from offering COBRA.


https://www.infinisource.com/media/9157 ... 0Exception).pdf
by Five Scoop
Wed Jul 29, 2015 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Hefty Medical Bill
Replies: 38
Views: 2993

Re: Hefty Medical Bill

This is from the Department of Labor website: http://www.dol.gov/ebsa/faqs/faq-consumer-cobra.html "If you need further information on your rights under a private-sector plan, or about ERISA generally, contact the Employee Benefits Security Administration (EBSA) electronically at askebsa.dol.go...
by Five Scoop
Tue Jul 28, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Keep paying the mortgage??
Replies: 67
Views: 6755

Re: Keep paying the mortgage??

Did the OP have a realtor (buyer's agent)? If so, I would think they would liable to make sure an inspection was done.
by Five Scoop
Thu Jul 23, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 34
Views: 2143

Re: Is there a service that will email you with each credit card purchase?

. Odd things can happen with these alerts. A friend ate at a restaurant and was paying the bill and got an alert for quite a different [larger] amount. He started having a "discussion" with the waiter about the discrepancy for what he signed for and the alert. It turned out that a family m...
by Five Scoop
Thu Jul 23, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals?
Replies: 41
Views: 4314

Re: What are your financial goals?

33x annual expenses allow you to withdrawal 3% per year and meet your annual expenses - this is thought to be a safe withdrawal rate.
by Five Scoop
Thu Jul 23, 2015 11:13 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 34
Views: 2143

Re: Is there a service that will email you with each credit card purchase?

My Chase Freedom and Amex cards both send me text messages when any purchase is made. Could set up for email alerts also. You should have the option for these types of alerts if you sign in to your account online.
by Five Scoop
Mon Jul 13, 2015 10:16 am
Forum: Investing - Theory, News & General
Topic: Larry Portfolio Shortfall
Replies: 37
Views: 2836

Re: Larry Portfolio Shortfall

I'm not trying to by coy, so those interested may want to look into an advisor such as Rick Ferri, as I recall, he charges about 1/4% of AUM. Rick Ferri's firm actually charges 0.37% up to 3 million dollars, then 0.2% for assets greater than 3 million dollars. A link below mentions this. http://por...
by Five Scoop
Mon Jun 29, 2015 9:10 am
Forum: Personal Consumer Issues
Topic: Is there a good basic investing book for an 11 year old girl?
Replies: 13
Views: 892

Re: Is there a good basic investing book for an 11 year old girl?

This post is not meant to be snarky or critical. But, only on Bogleheads could we have a question about having an 11 year old read books about investing. I have a hard time believing that an 11 year old could grasp concepts about money and investing to the extent that it would be appropriate to endo...
by Five Scoop
Sun Jun 28, 2015 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Any brokerage that offers commission free Vanguard mutual funds?
Replies: 21
Views: 2696

Re: Any brokerage that offers commission free Vanguard mutual funds?

My one real question is how quickly ACH transfers from a checking account are handled. At TD Ameritrade, they show up the evening of the transfer, and are fully investable in IRAs the next day. In our brokerage account---margin is enabled, but never truly used---I can buy something and then transfe...
by Five Scoop
Wed Jun 10, 2015 9:47 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 or 6 plus for light business travel?
Replies: 27
Views: 2998

Re: iPhone 6 or 6 plus for light business travel?

6 plus is great. Seems big at 1st but really helpful to have the extra space on the screen. You get used to the size quickly.
by Five Scoop
Sat Jun 06, 2015 7:36 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 626
Views: 70445

Re: QSPIX - thoughts on interesting fund

Well, the fund does get a lot of attention on the forum. The danger here is that a prominent poster such as Larry Swedroe wrote a piece about this fund a while ago. That, unfortunately, gives it credibility. Then there are threads about articles written by Asness to support the AQR funds and their i...
by Five Scoop
Wed Jun 03, 2015 9:27 pm
Forum: Investing - Theory, News & General
Topic: Small business 401(k) - Can Employee Fiduciary & other providers help with plan design?
Replies: 9
Views: 976

Re: Small business 401(k) - Can Employee Fiduciary & other providers help with plan design?

Our business was with employee fiduciary. They did draw up a plan document but they weren't really able to maximize the owner contributions to the retirement plan. Went with a third party administrator that was able to allow the owners to maximize contributions each year. Enployee Fiduciary did basi...
by Five Scoop
Thu May 28, 2015 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Bond portfolio YTM> 3%
Replies: 24
Views: 1595

Re: Bond portfolio YTM> 3%

Why does your bond yield need to be a certain amount? If it is income to live off of, why not look at purchasing an SPIA for some guaranteed income?
by Five Scoop
Sat May 16, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 968
Views: 191684

Re: What Book Are You Currently Reading? Part VI

The Storm of War by Andrew Roberts. An excellent book covering World War II.
by Five Scoop
Thu May 14, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: Make my iPhone switch from WiFi to mobile data when WiFi signal is low
Replies: 10
Views: 989

Re: Make my iPhone switch from WiFi to mobile data when WiFi signal is low

[quote="wolingfeng" Keep in mind wifi extender will deliver weakened wifi speed, probably 50% of what your original speed delivers. [/quote] I have a wi-fi extender and get the same download speed that I get through my LAN line. So, I don't think it's a given that you will get significantl...
by Five Scoop
Sat Apr 25, 2015 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to enlarge an old photo
Replies: 7
Views: 917

Re: Best way to enlarge an old photo

If you scan the photo you shoulds scan it at whatever your scanner's highest resolution setting would be. Usually the choices are listed in dots per inch (dpi). Theb save it as a JPEG file but pick the best quality (least compression). You can then open the file on your computer and enlarge it to ge...
by Five Scoop
Sat Mar 21, 2015 8:22 pm
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 8809

Re: The one area I disagree with Jack

I like this article and explanation by Merriman. He disagrees with Bogle.

http://paulmerriman.com/social-security-asset/
by Five Scoop
Sun Mar 15, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 177699

Re: What Movie Have You Recently Watched?

Last night I watched one of the worst movies I have ever seen. Last Will, from 2011. It was streamed from Hulu. Despite a "star-studded" cast, it had a terrible script, plot, and acting.

http://m.imdb.com/title/tt1312222/
by Five Scoop
Thu Mar 12, 2015 8:44 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 968
Views: 191684

Re: What Book Are You Currently Reading? Part VI

Finished reading The Giant Jam Sandwhich, by John Vernon Lord. It's a children's book with colorful illustrations and verses that rhyme, but being able to read one of my childhood favorites to my daughter was so much fun!
by Five Scoop
Wed Mar 11, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 20252

Re: What are some common misconceptions found in this forum?

Rebalancing doesn't help your performance. Livesoft knows what he's talking about. That rebalancing increases investment return - (I am not aware of any studies that show that rebalancing increases expected returns - I would welcome participants to cite studies that show any consistent rebalancing ...
by Five Scoop
Mon Mar 09, 2015 9:50 am
Forum: Investing - Help with Personal Investments
Topic: 2 Million Dollar Settlement, what to do with it?
Replies: 31
Views: 4479

Re: 2 Million Dollar Settlement, what to do with it?

Be careful if you end up sticking the money in banks. If large deposits near the FDIC maximum are made, it is almost guaranteed that someone in the bank will try to advise your friend that they can manage his investments. And, investment management by a bank is sure to have high costs. So, if one we...
by Five Scoop
Sat Feb 14, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Vision and Dental Insurance Question
Replies: 28
Views: 1927

Re: Vision and Dental Insurance Question

I wouldn't worry about separate vision insurance plans. If you have medical insurance, you are able to see an ophthalmologist for any medical conditions affecting your vision. Thus, medical checkups for your eyes are covered under medical insurance if you see an ophthalmologist.
by Five Scoop
Sat Feb 14, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: Dual Momentum Investing
Replies: 155
Views: 18118

Re: Dual Momentum Investing

If one has enough backtesting data to support an investing scheme, they can publish a book. The problem is that you and the author have no idea if investing according to that scheme is going to work in the future. Neither you or the author will know, possibly for decades, if the strategy works going...
by Five Scoop
Wed Feb 11, 2015 7:25 am
Forum: Investing - Help with Personal Investments
Topic: What if my MAGI exceeds limit for Roth IRA
Replies: 39
Views: 2599

Re: What if my MAGI exceeds limit for Roth IRA

You can recharacterize the Roth IRA to a nondeductible IRA. You can then do a backdoor Roth in 2016. I tried to post this before, so I apologize if this ends up as a duplicate post. https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/ira-recharacterization-request.pdf "Reconversi...
by Five Scoop
Mon Feb 09, 2015 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: [Challenging my 401k plan]! How should I respond?
Replies: 29
Views: 2698

Re: [Challenging my 401k plan]! How should I respond?

Why not just use the Schwab self directed brokerage account? You could probably get Schwab ETFs that follow an index.
by Five Scoop
Sun Feb 01, 2015 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest for 73 year old mom?
Replies: 22
Views: 3113

Re: ETF vs. Mutual Funds - Where to put $100K

Makaveli1988 wrote:
Also, if you plan to invest the first 100k via lump sum and then $8.5k/month as you mentioned on the edit'ed post - you're looking at ~35 years to invest the remaining 300k. That doesn't make sense now does it?


Would be 35 months, not 35 years.
by Five Scoop
Sun Feb 01, 2015 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 39
Views: 3912

Re: Loan Terms -- Helping a friend going through Divorce?

If this is a friend you want to help out then just be up front about the expectation of having the money paid back. I think you should ask your friend what kind of timeframe they will pay back the loan. If they tell you it will be five years then I think you could rightly say that interest would nee...
by Five Scoop
Sat Jan 31, 2015 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Take the job?
Replies: 68
Views: 2790

Re: Take the job?

You mentioned in a previous thread that you were going to be borrowing $160,000 to start a business. Elena78 wrote: "I am considering starting a business. I currently work for a small business that has been very successful but the success is requiring excessive travel (some of it international)...
by Five Scoop
Sat Jan 31, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Are we allowed to lump tax withholdings at year end?
Replies: 6
Views: 620

Re: Are we allowed to lump tax withholdings at year end?

There is a section on the IRS website that says under withholding can result in penalties (I imagine this is meant to discourage people from waiting until the last few months of the year to withhold their taxes). I don't know whether or not the IRS actually assess such penalties. "Penalties You...
by Five Scoop
Wed Jan 28, 2015 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy portfolio and mutual fund vs etf-long term investing
Replies: 10
Views: 1135

Re: Lazy portfolio and mutual fund vs etf-long term investin

Lazy Portfolios are nice if you understand the rationale behind the portfolio. They are largely meant to be set and forget with the exception of occasional rebalancing. The danger in looking at the Marketwatch portfolios is that you don't get a sense of the reasoning behind the asset allocations in ...
by Five Scoop
Sat Jan 24, 2015 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Foreclosed-Law Firm pursuing amount of second lo
Replies: 31
Views: 2547

Re: Foreclosed-Law Firm pursuing amount of second lo

Seems silly to declare bankruptcy over $25K+ interest. I think there a perception that Bogleheads are typically 1-percenters, with massive savings and good salaries. Statements like this don't do anything to dissuade that perception. If the OP is unemployed and owes debts which he cannot afford, th...
by Five Scoop
Sun Jan 18, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: Honda Civic vs Fit Safety Question
Replies: 55
Views: 4036

Re: Honda Civic vs Fit Safety Question

I'd make sure you consider that if you put a modern baby seat in the passenger-side rear seat of a Fit, that your adult passenger better not be more than 5' 6" or so. There's a video on Youtube of this and a typical male is going to have his knees in the glove compartment & forehead very c...
by Five Scoop
Sun Jan 18, 2015 2:10 pm
Forum: Investing - Theory, News & General
Topic: Malkiel's recommendations, 1990 to 2015
Replies: 40
Views: 4223

Re: Malkiel's recommendations, 1990 to 2015

Found this in an interview with Malkiel in 2013 where he comments on changing allocation recommendations in his updated editions, granted for a different age group. "CNBC: In the recent editions of "Random Walk," you suggested the following portfolio for an investor in his or her 50s—...
by Five Scoop
Sun Jan 18, 2015 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Preparing for baby and one income
Replies: 41
Views: 2670

Re: Preparing for baby and one income

Missed a prior post with same information, so deleted.
by Five Scoop
Sun Jan 18, 2015 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Preparing for baby and one income
Replies: 41
Views: 2670

Re: Preparing for baby and one income

For many of us, a baby was a $20 co-pay. They are really inexpensive. Statements like these can be confusing to new parents to be. And, matter-of-factly, this is simply not true. If somebody does not have much help from family (which the OP stated) and this is a first child, there are going to be u...
by Five Scoop
Fri Jan 16, 2015 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Mobile Deposit Not Supported Brokerage Account
Replies: 1
Views: 347

Vanguard Mobile Deposit Not Supported Brokerage Account

Just wanted to post that I was unable to use mobile deposit from the Vanguard app. The customer service rep said that this feature is not supported with brokerage accounts yet, but will be in the future. Not sure how many people actually use this feature, but thought posting this may be helpful none...
by Five Scoop
Wed Jan 14, 2015 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 23
Views: 1522

Re: Disability Insurance

dhodson,

Look on their website re: With Northwestern Mutual's Medical Occupation
by Five Scoop
Wed Jan 14, 2015 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance
Replies: 23
Views: 1522

Re: Disability Insurance

LBK wrote:True "Own-Occupation" is available to physicians and surgeons with Berkshire (Guardian), MetLife, Standard, Ameritas (formerly Union Central), MassMutual, Principal or Ohio National.


Northwestern Mutual also has own-occupation for physicians.
by Five Scoop
Mon Jan 12, 2015 11:25 pm
Forum: Personal Consumer Issues
Topic: Time for a new dentist?
Replies: 38
Views: 4479

Re: Time for a new dentist?

Sadly, I am wary of all dentists. Since most don't accept insurance there is nothing to hold costs in check. At least with a medical doctor you are usually only responsible for a copay. They then get paid a contracted rate by the insurance company. I went to a new dentist when I moved. It was a stat...
by Five Scoop
Mon Jan 12, 2015 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Intermediate Tax Exempt
Replies: 10
Views: 831

Re: Fidelity Intermediate Tax Exempt

You can open an account at Vanguard and buy the Vanguard fund. I say this without meaning to sound glib. It doesn't make sense to me to pay $75 for a Vanguard fund when you can easily open a Vanguard account for free and buy the fund without any purchase fee. If you insist on buying the Vanguard fun...
by Five Scoop
Tue Jan 06, 2015 8:53 pm
Forum: Investing - Theory, News & General
Topic: Purchasing the fund minimum...then selling to a level below?
Replies: 4
Views: 746

Re: Purchasing the fund minimum...then selling to a level be

Fidelity can assess a low balance fee. This is listed in their fees and commissions schedule online.

https://www.fidelity.com/bin-public/060 ... hedule.pdf

(See page 4)
by Five Scoop
Mon Jan 05, 2015 10:26 am
Forum: Investing - Theory, News & General
Topic: Boglehead theory on p2p lending?
Replies: 53
Views: 8365

Re: Boglehead theory on p2p lending?

I always think to myself that when a prominent member such as EmergDoc posts online about having such great returns from Lending Club that it might sway some impressionable or newer Bogleheads that p2p lending is somehow Boglehead-approved. Particularly when EmergDoc writes that it's risky but "...
by Five Scoop
Thu Dec 25, 2014 10:30 am
Forum: Personal Consumer Issues
Topic: Why did gas mileage recently drop on my older CRV?
Replies: 50
Views: 3913

Re: Why did gas mileage recently drop on my older CRV?

Check tire pressure. It has been colder since it is winter. The colder it is the less the air in the tires expands. So, your tire pressure may have dropped.
by Five Scoop
Sun Dec 21, 2014 8:08 pm
Forum: Investing - Theory, News & General
Topic: Why does Swensen have 30% Bonds?
Replies: 28
Views: 3847

Re: Why does Swensen have 30% Bonds?

I read the book. Swensen gives very well thought out reasons for including the recommended asset classes. He also states that each person should use a mix of these asset classes that makes sense for them. This model portfolio was not meant to be for every investor, but to be a starting point. His ba...
by Five Scoop
Wed Dec 17, 2014 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Helping out family members
Replies: 64
Views: 5276

Re: Helping out family members

I advise not offering any financial assistance. The sibling is married and the spouse has a job. If they are having trouble meeting their financial obligations then they ought to downsize. I think the OP needs to be careful. If assistance if offered this will not be a one and done deal. Every time t...
by Five Scoop
Thu Sep 11, 2014 7:42 pm
Forum: Personal Consumer Issues
Topic: Refrigerator problem
Replies: 20
Views: 1910

Re: Refrigerator problem

Carl53 wrote:Have you cleaned the dust off the coils recently?


Cleaning coils of the refrigerator is a myth. Do a google search. It does nothing to save energy or to make the refrigerator run more efficiently.
by Five Scoop
Sat Aug 02, 2014 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: RBD here yet? (DOW -300points drop) [Really Bad Day]
Replies: 49
Views: 5515

Re: RBD here yet? (DOW -300points drop) [Really Bad Day]

now to come think of it, didn't someone here disprove that a RBD provided significant gains? I think it's important when this RBD issue comes up in threads that readers be pointed back to another thread. The other thread by Rodc showed there was not much data to support using the RBD strategy. Of c...
by Five Scoop
Sat Jun 07, 2014 7:32 am
Forum: Personal Consumer Issues
Topic: Financial Books & Guides
Replies: 11
Views: 876

Re: Financial Books & Guides

I personally believe there is a point of diminishing returns on reading books by a lot of the recommended authors. In that, if you read one book by a particular author I don't see the point in reading every new book that the author publishes. I commend Dr. Bernstein, in particular, for mentioning wh...

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