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Re: I'm thinking about making very large 529 contributions A

boglewannabe, Be careful with grandparent 529s. You should only use them for the last year of each child's college education. See here: http://www.savingforcollege.com/grandparents/answer.php?grandparent_faq_id=10 Ok then, thanks - I read that and it looks like we should put 1 year estimated tuitio...
by G-Money
Sun Mar 29, 2015 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 76
Views: 6381

Re: I'm thinking about making very large 529 contributions A

boglewannabe,

Be careful with grandparent 529s. You should only use them for the last year of each child's college education. See here: http://www.savingforcollege.com/grandpa ... _faq_id=10
by G-Money
Sun Mar 29, 2015 8:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 76
Views: 6381

Re: Vanguard FTSE All-World ex-US Small-Cap ETF

jd88, The most recent example is the Vanguard Global ex-US Real Estate Index Fund. It has total assets of $3.0 billion, with about $2.5 billion in the ETF share class. It added an Admiral Share class last February. In comparison, Vanguard's All-World ex-US Small Cap Index Fund has total assets of ab...
by G-Money
Sat Mar 28, 2015 4:27 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard FTSE All-World ex-US Small-Cap ETF
Replies: 17
Views: 2881

Re: U.S. cash pouring into international

Must be Vanguard's move from 30% to 40% international in its TargetRetirement and LifeStrategy funds. :P
by G-Money
Wed Mar 25, 2015 10:33 am
 
Forum: Investing - Theory, News & General
Topic: U.S. cash pouring into international
Replies: 23
Views: 2470

Re: Vanguard Ex-US Small Cap Value Petition

Given the relative lack of demand for VSS (<$3 billion, compared to >$15 billion for VBR), I wouldn't hold my breath.
by G-Money
Sun Mar 22, 2015 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ex-US Small Cap Value Petition
Replies: 24
Views: 3086

Re: Refinance Now? PenFed ARM?

PenFed's 5/5 ARM used to be a popular option in part because it charged no closing costs. That no longer appears to be the case, although the origination fee is still waived for that loan. To figure out if it's a good deal, you'll need to compare the interest you'll pay with your current loan over t...
by G-Money
Sun Mar 22, 2015 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance Now? PenFed ARM?
Replies: 9
Views: 1111

Re: Help: iShares lists different holdings for same ETF (AOR

I think you're right. But that's a pretty big jump in 2 weeks.

I don't see any announcement of a shift in policy for the fund. Will keep an eye on this fund for a while before jumping in to see how much it shifts around.
by G-Money
Mon Mar 16, 2015 11:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Help: iShares lists different holdings for same ETF (AOR)
Replies: 4
Views: 442

Help: iShares lists different holdings for same ETF (AOR)

I am considering moving all of my household's retirement investments to all-in-one funds (i.e., Target Retirement- or LifeStrategy-type funds). Everything is in tax sheltered accounts. My 401k only has high expense funds, but it has a free brokerage window at TDAmeritrade, which offers 100 commissio...
by G-Money
Mon Mar 16, 2015 7:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Help: iShares lists different holdings for same ETF (AOR)
Replies: 4
Views: 442

Re: Just no petroleum or defense?

I also don't generally believe socially responsible investing works in practice, although it is a nice idea in theory. If you're committed to doing it, perhaps consider a separately managed account? I would imagine this would give you some measure of control to tailor your investments in a fashion t...
by G-Money
Sat Feb 14, 2015 11:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Just no petroleum or defense?
Replies: 49
Views: 3081

Re: Roth vs. Traditional 401K - with a twist

While your city/state tax brackets may not change, the contributions to Roth 401k are subject to those state/city taxes. If you contribute to Traditional 401k, those contributions would not be taxed by Fed, State or city. That's a substantial tax benefit that comes off the top of income stack. Not ...
by G-Money
Wed Jan 28, 2015 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401K - with a twist
Replies: 18
Views: 1125

Re: Was it a mistake to move into PenFed 5-year CDs a year a

Nope. I still have 4 and 6 years left to see if it was a mistake. I like my chances.
by G-Money
Tue Jan 06, 2015 5:52 pm
 
Forum: Investing - Theory, News & General
Topic: Was it a mistake to move into PenFed 5-year CDs a year ago?
Replies: 55
Views: 5074

Re: Vanguard Expenses

A few thoughts. 1. The expense ratio is not a wholly arbitrary number that a fund company decides to charge. It is a ratio derived by dividing certain expenses incurred over the course of a year by the net assets under management on a particular date. It is backward looking, and, to my knowledge, it...
by G-Money
Tue Dec 30, 2014 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Expenses
Replies: 18
Views: 2252

Re: vanguard international bond fund

I recently read a Vanguard article that basically said Yes international bonds have longer duration and lower yield but that doesn't mean they are a bad investment now and that duration isn't all its cracked up to be. Did any one read that article? any thoughts about it? I think this is the article...
by G-Money
Tue Dec 23, 2014 4:29 am
 
Forum: Investing - Theory, News & General
Topic: vanguard international bond fund
Replies: 20
Views: 3186

Re: Rick Ferri 60/40 portfolio

My guess is that you read an older copy of his Asset Allocation book. Back then EAFE and were separate funds for instance. Now days, Vanguard and others have combined things to make things much simpler. So for instance, a nearly identical portfolio today on the equity side might simply be: 30% VTSA...
by G-Money
Thu Nov 20, 2014 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri 60/40 portfolio
Replies: 18
Views: 4942

Re: 30% In International Stocks?

The median Boglehead that responds to these polls has right around 30% of equity (not portfolio) in international: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=121863&p=1783030 (Aug 2013) http://www.bogleheads.org/forum/viewtopic.php?f=10&t=103617 (Oct 2012) http://www.bogleheads....
by G-Money
Wed Nov 12, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 7249

Re: Trade in a 2012 Cruze w/ 58k miles for an 05 Z71 Tahoe 1

I'm not much of a "car guy," but I can't imagine wanting to trade in a reliable but too-small car that's 2 years old with <60k miles for a 10-year old car with nearly 200k miles on it. How long do you expect the Tahoe to last? I would expect cars that age with that many miles are due for l...
by G-Money
Wed Oct 29, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: Trade in a 2012 Cruze w/ 58k miles for an 05 Z71 Tahoe 182k
Replies: 16
Views: 995

Re: Employer Reimbursing Health Insurance Premiums - Taxable

I have individual health insurance that is medically underwritten. It is considered a "grandfathered plan" under the ACA. My employer has been reimbursing me for the premiums of this plan. Historically, this was done pre-tax. The premium reimbursements were not disclosed on my w-2. My emp...
by G-Money
Tue Oct 21, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer Reimbursing Health Insurance Premiums - Taxable???
Replies: 12
Views: 754

Re: Employer Reimbursing Health Insurance Premiums - Taxable

It seems that the rules don't apply to plans with fewer than two active employees: " In accordance with Code § 9831(a)(2) and ERISA § 732(a), the market reforms do not apply to a group health plan that has fewer than two participants who are current employees on the first day of the plan year&...
by G-Money
Tue Oct 21, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer Reimbursing Health Insurance Premiums - Taxable???
Replies: 12
Views: 754

Re: Employer Reimbursing Health Insurance Premiums - Taxable

pshonore wrote:More info if you're an active employee:

https://news.leavitt.com/health-care-re ... rohibited/

Thanks. No mention of grandfathered individual market plans, but perhaps that's intentional.
by G-Money
Tue Oct 21, 2014 12:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer Reimbursing Health Insurance Premiums - Taxable???
Replies: 12
Views: 754

Re: Employer Reimbursing Health Insurance Premiums - Taxable

From that same article: "IRS on its website said if an employer pays the cost of an accident or health insurance plan — outside payment from a retirement plan — for employees and their spouse and dependents, the payments are not wages and are not subject to Social Security; Medicare; or federa...
by G-Money
Tue Oct 21, 2014 12:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Employer Reimbursing Health Insurance Premiums - Taxable???
Replies: 12
Views: 754

Re: Employer Reimbursing Health Insurance Premiums - Taxable

When I looked into this as an employer, I came to the same conclusion, that it is taxable income. Remember, this costs the employer more (as well as costing you more), so it is not something he wants any more than you do. There may be workarounds (eg cafeteria plans), but that is beyond me. Thanks ...
by G-Money
Tue Oct 21, 2014 10:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Employer Reimbursing Health Insurance Premiums - Taxable???
Replies: 12
Views: 754

Employer Reimbursing Health Insurance Premiums - Taxable???

I have individual health insurance that is medically underwritten. It is considered a "grandfathered plan" under the ACA. My employer has been reimbursing me for the premiums of this plan. Historically, this was done pre-tax. The premium reimbursements were not disclosed on my w-2. My empl...
by G-Money
Tue Oct 21, 2014 9:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Employer Reimbursing Health Insurance Premiums - Taxable???
Replies: 12
Views: 754

Re: Dumb CD question

Call_Me_Op wrote:Interestingly, my credit union offers a 5 year CD with no early withdrawal penalty.

That is interesting. Are you sure that CU allows early redemptions?
by G-Money
Mon Oct 20, 2014 6:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Dumb CD question
Replies: 10
Views: 926

Re: Dumb CD question

If your holding period was 21 months, you'd come out ahead using the 21 month CD and not the 34 or 60 month. I use the spreadsheet at the bottom of this wiki page to run the math. http://www.bogleheads.org/wiki/Comparing_CDs
by G-Money
Mon Oct 20, 2014 6:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Dumb CD question
Replies: 10
Views: 926

Re: TBM too much treasury?

Look past that single sentence in the Bogleheads philosophy. We have a bigger tent here than that. You can overweight asset classes (think the many threads on tilting and slice-and-dice) or shun them altogether (not just HY; a non-negligible portion don't even invest in international equities, and ...
by G-Money
Thu Oct 16, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4905

Re: TBM too much treasury?

As a thought experiment, I am curious what a 'Total Capital Market' fund would look like. A fund that holds stocks (common and preferred; domestic and international) and bonds (government and corporate; safe and junk; domestic and international) in their proportion to total market capitalization. F...
by G-Money
Thu Oct 16, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4905

Re: TBM too much treasury?

Fair enough, you can exclude any sector of any market from your portfolio for any reason you wish. I could exclude railroad companies from my portfolio because I don't like trains, but my reason would not be based on Boglehead principles. The difference is I quoted language from the Boglehead Wiki ...
by G-Money
Thu Oct 16, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4905

Re: TBM too much treasury?

Thus, if the overall bond market allocates some value to high yield bonds, why are Bogleheads "trying to pick the specific securities or sectors of the market" by excluding the bond market allocation to high yield bonds? In addition to the reasons eloquently stated by ogd, I would also su...
by G-Money
Thu Oct 16, 2014 1:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4905

Re: TBM too much treasury?

Thus, if the overall bond market allocates some value to high yield bonds, why are Bogleheads "trying to pick the specific securities or sectors of the market" by excluding the bond market allocation to high yield bonds? In addition to the reasons eloquently stated by ogd, I would also su...
by G-Money
Thu Oct 16, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4905

Re: Any reason not to buy the International Bond Index Fund?

On the other hand, I don't think an allocation to VTABX will result in any great harm, either.
by G-Money
Tue Oct 14, 2014 9:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Any reason not to buy the International Bond Index Fund?
Replies: 15
Views: 2274

Re: Any reason not to buy the International Bond Index Fund?

Higher fees, higher risk, questionable benefit. That's my reasoning, too. VTABX (Total International Bond Admiral) has a higher ER, lower credit quality, and longer average duration than VBTLX (Total Bond Admiral). But there yield is nearly 100 bp lower than VBTLX. So VTABX offers more risk than VB...
by G-Money
Tue Oct 14, 2014 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Any reason not to buy the International Bond Index Fund?
Replies: 15
Views: 2274

Re: Vanguard sued for charging too little

G-Money, what is your opinion on this lawsuit? Do you think the client-ownership structure is at risk? I don't have an opinion. Not a corporate/tax attorney, so really have no idea what the issues are and whether there's any merit to the claim. Not following the case with great interest; just happe...
by G-Money
Mon Aug 25, 2014 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 280
Views: 47039

Re: Vanguard sued for charging too little

"Danon left Sullivan & Cromwell after four years, then worked at three other Wall Street firms over the next six years. Such firm-hopping at big law shops, Colon says, is common" I wonder if "firm-hopping" is actually that common. Three firms in six years? Yes, it is. Partic...
by G-Money
Mon Aug 25, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 280
Views: 47039

Re: Vanguard sued for charging too little

Danon has let his bar association memberships lapse... Whoa. Why did he do that? My guess is the rest of the sentence answers the question: . . . and he said he didn't expect to work as a corporate tax lawyer again. Was he expecting the bar association to begin disciplinary action against him, and ...
by G-Money
Mon Aug 25, 2014 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 280
Views: 47039

Re: WSJ/Zweig- The Decline and Fall of Fund Managers

I have sense of deja vu here. Zweig says In an article in the latest issue of the well-respected Financial Analysts Journal, Mr. Ellis argues that fund managers equipped with sophisticated analytical tools, electronic trading and instantaneous access to news are engaged in an arms race resulting in...
by G-Money
Sat Aug 23, 2014 6:32 am
 
Forum: Investing - Theory, News & General
Topic: WSJ/Zweig- The Decline and Fall of Fund Managers
Replies: 21
Views: 2697

Re: TIPS: a separate Bond category?

I see where you're coming from, but I choose "C. Doesn't matter." Seriously. You're looking at a difference of 3.33% for each bond within your bond allocation depending on whether you choose A or B. Assuming a 60/40 stock/bond portfolio, that's the difference between having a bond allocati...
by G-Money
Thu Aug 14, 2014 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS: a separate Bond category?
Replies: 13
Views: 1423

Re: Going 60+% international? (US resident)

Which is it: you want to replicate global weightings, or you want to chase valuations?

If the former, 50/50 is the global weight: https://personal.vanguard.com/us/funds/ ... =INT#tab=2

If the latter, good luck.
by G-Money
Fri Aug 08, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: Going 60+% international? (US resident)
Replies: 85
Views: 7133

Re: Refinance to include student loans?

A refi probably doesn't make sense, since you are unlikely to get a better rate than 3.75% without paying lots of closing costs. Perhaps consider a Home Equity Loan or HELOC to pay off the student loan. HELOC rates are typically variable, bit the rate should be much lower, closing costs should be mi...
by G-Money
Tue Aug 05, 2014 1:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Refinance to include student loans?
Replies: 5
Views: 592

Re: With Rates Likes These, Why Would Anyone Go for a Mortga

Because the Prime rate is variable, while traditional (fixed rate) mortgages are not.
by G-Money
Tue Jul 29, 2014 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: With Rates Likes These, Why Would Anyone Go for a Mortgage?
Replies: 12
Views: 2989

Re: In your opinion, who is in a riskier financial position?

Just because you are less risky than someone on the edge of catastrophe, does not mean you are not risky and should not improve your financial position to a more rational position. You also gave person B a $50k increase in Networth over person A in the scenario. Also, many people do not like the id...
by G-Money
Thu Jul 24, 2014 9:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: In your opinion, who is in a riskier financial position?
Replies: 36
Views: 3143

Re: In your opinion, who is in a riskier financial position?

Person A. Person A has MUCH less liquidity. Indeed, it appears Person A only has liquid assets of $5,000, with no ability to borrow. Person B has greater net assets, and more importantly, the assets are liquid. A $20,000 emergency would appear to be disastrous for Person A, but Person B could manage...
by G-Money
Thu Jul 24, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: In your opinion, who is in a riskier financial position?
Replies: 36
Views: 3143

Re: Bond funds- your percentage of intermediate vs. short-te

1. The Vanguard target Retirement Fund has an allocation to short-term TIPS. So do the 2010 and 2015 Target Retirement Funds. 2. I don't have an allocation to short-term bond funds. If you want low- or no-risk fixed income, it has been my experience that CDs and bank savings accounts offer better ra...
by G-Money
Tue Jul 22, 2014 5:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond funds- your percentage of intermediate vs. short-term?
Replies: 12
Views: 1243

Re: Joel Greenblatt's "magic formula"

(the web site to utilize per book, so far free) had funny piece on it in the March 07 Personal Finance edition, pg. 10. The editor basically relayed the correspondence of a reader who followed the web site and its numerous choices. The reader's actual results turned out to be quite poor esp. compar...
by G-Money
Mon Jul 21, 2014 8:00 pm
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt's "magic formula"
Replies: 22
Views: 5571

Re: how often do you look at your account

DFrank wrote:Quarterly.

Same here. When my paper statements come in the mail.
by G-Money
Mon Jul 21, 2014 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3839

Re: Question on Vanguard Balanced Funds

The LifeStrategy fund has international stocks and international bonds to go along with the domestic equities and bonds it holds. The Balanced Fund does not.
by G-Money
Tue Jul 08, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Question on Vanguard Balanced Funds
Replies: 10
Views: 1274

Re: Want international exposure? You already have it.

I've never understood on what scale you measure "diversification". Is it a linear scale that is a function of the raw number of economic entities I own a piece of? How many large multinational auto companies, pharmaceutical companies, banks, and so forth do I need to own to be "diver...
by G-Money
Mon Jul 07, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6568

Re: Want international exposure? You already have it.

Diversification is a simple and practical solution for an uncertain future. If you are certain that international diversification will not provide a material benefit over a US only allocation, then obviously you don't need to diversify internationally. I am not so certain, so I diversify internation...
by G-Money
Mon Jul 07, 2014 8:09 am
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6568

Re: Slice and dice and tilting the market

David Swensen recommends a tilt on the domestic side to REITs, not SCV, and his last recommendation was to split international 60/40 developed/emerging. So that's a slice&dice/tilt that doesn't directly incorporate FF factors. Your portfolio looks like a somewhat simplified version of the Aronso...
by G-Money
Mon Jun 23, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Slice and dice and tilting the market
Replies: 14
Views: 1173

Re: VAIPX versus VBTLX: compare theorectical expected return

Maybe someone can expound in more detail, but I think, naively, that the expected return of a bond fund is best estimated by the current SEC yield. That would be a nominal yield for total bond and a real yield for TIPS. One would have to reconcile the two by having an expectation for inflation. Yes...
by G-Money
Thu Jun 19, 2014 9:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: VAIPX versus VBTLX: compare theorectical expected return
Replies: 5
Views: 452
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