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Re: EJ Gadflies [Edward Jones]

I have previously ranted on this site that my stepdaughter's husband's twin is now an EJ "broker." When she came for a visit recently, we had a fairly long discussion about finances and I advised her not to make any investments with him. She is just starting out in her career, but will pr...
by Khanmots
Mon Sep 15, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 6757

Re: 100% Stock Thread Collection

Why would you expect a nice even distribution over the 100% threshold when many axes describing the behavior of equity allocation are discontinuous at this point? Risk as a function of equity allocation? Discontinuous at 100%. Reward as a function of allocation? Same. Complexity management as a func...
by Khanmots
Wed Sep 03, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 93
Views: 5781

Re: Paying mortgage down or invest instead?

I wound up refinancing my 15 year with 13.5 years left into a pen-fed 5/5 ARM for a 1% reduction in rate. I then started prepaying so I'd get the ARM paid off in 10 years (limiting my exposure to rate increases). Something similar might work for you... heck, you might even be able to move into a 5 y...
by Khanmots
Wed Aug 27, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying mortgage down or invest instead?
Replies: 8
Views: 1002

Re: Leaving Ameriprise

You need to ask yourself if you really want 'Friends' like this anyway. :? From the advisor's perspective she's offering them a valuable service and Gnirk is making a mistake moving away (we may know better but she doesn't). She's not berating Gnirk or trying to make him feel bad... but she does fe...
by Khanmots
Wed Aug 27, 2014 8:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Leaving Ameriprise
Replies: 10
Views: 1126

Re: Guidance on car insurance

livesoft wrote:My impression was that your vehicle loan will specify some required insurance amount. Does it?

I wouldn't want to run with only the minimum insurance necessary by law and loan...
by Khanmots
Tue Aug 26, 2014 2:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guidance on car insurance
Replies: 9
Views: 762

Re: Leaving Ameriprise

She replied " Since you’ve already contacted Vanguard about the transfers, there’s no opportunity for any discussion about the matter." I'd be quite glad that she replied thus. No good could have come from such a discussion. The fact that she realizes that the discussion is now pointless ...
by Khanmots
Tue Aug 26, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving Ameriprise
Replies: 10
Views: 1126

Re: Why would a passive investor use ETFs?

I prefer MFs for convenience of trading.

I prefer ETFs in my 401k's SDBA for having a $8 trading fee instead of a $40 fee... for me that outweighs trading convenience ;)
by Khanmots
Thu Aug 14, 2014 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 4037

Re: How important is my insurance agent?

Silly question perhaps, but what exactly is an insurance agent? I'm not sure I've ever had one. I've always just filled out the forms on-line and then gotten automated quotes back and once I made a selection I signed up the same way. Is it the guy on the phone if you call in with questions (so just...
by Khanmots
Mon Aug 11, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 2313

Re: How important is my insurance agent?

Silly question perhaps, but what exactly is an insurance agent? I'm not sure I've ever had one. I've always just filled out the forms on-line and then gotten automated quotes back and once I made a selection I signed up the same way. Is it the guy on the phone if you call in with questions (so just ...
by Khanmots
Mon Aug 11, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 2313

Re: Who or what inspired you and your investing approach?

For a while I hadn't bothered learning anything cause investing didn't interest me and I figured leave it to professionals. I had an advisor for a few years... until I got tired of stupid fees on everything (finding a $20 quartly fee on the money market sweep account was the final straw for me) I th...
by Khanmots
Wed Aug 06, 2014 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who or what inspired you and your investing approach?
Replies: 93
Views: 4734

Re: New HVAC system

As a fellow DFWer with a 31 year old HVAC I'm quite interested in this thread... please post what you learn! :) Even if that system is still working OK it could very likely cost effective to replace it sooner rather then later just because of the energy savings. (Steam boilers may be a special case...
by Khanmots
Tue Jul 29, 2014 10:07 pm
 
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2703

Re: New HVAC system

As a fellow DFWer with a 31 year old HVAC I'm quite interested in this thread... please post what you learn! :)
by Khanmots
Mon Jul 28, 2014 10:19 pm
 
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2703

Re: Defining what an expense ratio means for individuals

I believe that all funds have an ER. It covers their cost for buying/selling the underlying shares, for providing the website, etc. Vanguard is owned by the people who own it's funds, so it's running at-cost... which is why they have really low ERs and many of us prefer them. That said, there are so...
by Khanmots
Tue Jul 22, 2014 9:41 pm
 
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1671

Re: Defining what an expense ratio means for individuals

A 1% ER means that every year the fund owners take 1% of everything you have invested with them. They don't take it all on one day, it's spread out a little every day. Here's an example. Two different S&P 500 funds. Both invest in the same exact thing. One has an ER of 0.05% One has (had?) an ER...
by Khanmots
Tue Jul 22, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1671

Re: [Poll] % of 3 funds in your financial asset portfolio?

Edit: couldn't read... now see #3 in OP's post :oops:
by Khanmots
Fri Jul 18, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1773

Re: Expense Ratio Fee Index Fund vs ETF

The admiral share class (VFIAX) is 0.05% With Vanguard, most of their funds have the same ER for admiral shares or the ETF flavor. There's a few exceptions where the ETF has an advantage, but not many. Personally I prefer mutual funds over ETFs due to simplicity of trading. That said, I do have one ...
by Khanmots
Fri Jul 18, 2014 12:31 am
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio Fee Index Fund vs ETF
Replies: 5
Views: 646

Re: What Do You Tilt to Outside of the Three Fund (at least

Here I'll post my targets and you can figure out how to count it ;) My Currently Obtainable Targets Total Domestic: 45% Axis 1... Domestic Large blend: 20.25% Domestic Mid blind: 12.49% Domestic Small ex-Value: 6.08% Domestic Small Value: 6.19% Axis 2... Domestic non-REIT: 36% Domestic REIT: 9% Tota...
by Khanmots
Thu Jul 17, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1448

Re: What Do You Tilt to Outside of the Three Fund (at least

Technically you're right but did you not understand the intention of what I was asking? I guess I should have just asked which funds outside of the three fund people own. I was really just trying to get a feel for what % of people on here have a specific REIT fund vs don't, hold a small value fund ...
by Khanmots
Thu Jul 17, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1448

Re: What Do You Tilt to Outside of the Three Fund (at least

The intention of the question is outside of the core three fund portfolio, which of these asset allocations do you hold at least 4% of your portfolio in? I know that TSM holds small and mid for example, but the intention of the poll is what specific funds or asset classes do you overweight to. What...
by Khanmots
Thu Jul 17, 2014 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1448

Re: What Do You Tilt to Outside of the Three Fund (at least

This is an incoherent poll and does a great job illustrating some of the simplistic misunderstandings people have of factor-based models, portfolio theories and tilting in general. As some simple examples, how much would one need to invest in rental properties for them to be 'tilting' to it? Privat...
by Khanmots
Thu Jul 17, 2014 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1448

Re: Poll - Do You Read Businessweek?

What's Businessweek? :wink:
by Khanmots
Thu Jul 17, 2014 7:54 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 30
Views: 2293

Re: Should I use margin to buy a balanced fund?

I think market timer's old thread should be required reading for anyone looking to use leverage. He knew what he was doing. Had a solid plan. Had rightly judged his ability to stay the course... and faithfully executed the plan. Unfortunately he went highly leveraged in 2007 and fate struck. Respect...
by Khanmots
Wed Jul 16, 2014 11:41 pm
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 493
Views: 49309

Re: New Investor with Class A fund blues

I think you'll find most of on this board got taken to some degree or other by a similar so-called "financial advisor". You're in good company ;) That said, you're still early in your investing career so, so long as you learn from it it's not a huge mistake :) As to what to do now... ignor...
by Khanmots
Mon Jul 14, 2014 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor with Class A fund blues
Replies: 31
Views: 2242

Re: Neighbor's ugly overgrown bushes and fence

Plant bamboo. It will block the view and then quickly spread into his yard. Nothing is better at fighting a nuisance that creating one yourself. Just came to post about bamboo. Although there are non-spreading (clumping) varieties that do far better as screens than the spreading kind. You can get l...
by Khanmots
Mon Jul 14, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3446

Re: Urban garden bed--ideas to deter dog owners

Chocolate can kill dogs. I am sure that is true if a dog eats mass quantities of chocolate. Chocolate can make dogs very very sick and messy. But maybe we should have a poll to find out how many people on this forum have had dogs that ate chocolate and died? Depends on the source of chocolate as it...
by Khanmots
Mon Jul 14, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 4412

Re: Raise and Promotion...more money, now what?

I haven't run the math for your tax bracket, but if the 401k allows, it may make sense to make contributions to the 401k up to the $52k cap for all contributions. My understanding is while the contributions in excess of $17,500 are post-tax contributions the earnings compound tax-free and capital g...
by Khanmots
Tue Jul 08, 2014 5:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Raise and Promotion...more money, now what?
Replies: 9
Views: 1617

Re: Raise and Promotion...more money, now what?

I haven't run the math for your tax bracket, but if the 401k allows, it may make sense to make contributions to the 401k up to the $52k cap for all contributions. My understanding is while the contributions in excess of $17,500 are post-tax contributions the earnings compound tax-free and capital ga...
by Khanmots
Mon Jul 07, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Raise and Promotion...more money, now what?
Replies: 9
Views: 1617

Re: In retirement you expect you standard of living to?

chaz wrote:Spending more on travel.

This.

I don't expect to change how much I spend on car, home, etc... I do expect to spend a lot more on travel. Increasing my travel/vacation budget by an order of magnitude or so is what I'm interested in.
by Khanmots
Thu Jul 03, 2014 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 4719

Re: Dumb phone save hikers life

Current smartphones have immense batteries compared to the phones of old. The reason they don't last nearly as long is the giant screen and the data connection / wifi. If you turn those off and pretend you have a dumb phone, you should have more battery life for emergencies, not less. This. Also if...
by Khanmots
Wed Jul 02, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Dumb phone save hikers life
Replies: 11
Views: 1793

Re: Accepting a check for an online transaction

$1500 is enough to be quite attractive for scammers. The buyer you're talking about is one that I'd be staying far away from as there's multiple warning flags. Paypal is iffy as well. They have a history of taking the buyers side especially on claims of non-delivery... and given he's not willing to ...
by Khanmots
Mon Jun 30, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accepting a check for an online transaction
Replies: 8
Views: 455

Re: Cost of car compared to Gross Income

When I came out of school I needed a replacement car (was driving parents old junker that needed lots of repairs) When I got a job, I spent a while (months) hunting and negotiating and got a car I really loved for around 46% of my gross income. Between raises and simple living I had it paid off in u...
by Khanmots
Fri Jun 20, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4871

Re: What octane gas do you use to fill your car?

My Toyota Solara V6 (currently being used by my son) which is supposed to be fed premium gas for best results has a mechanism to adjust the timing if it detects pre-detonation. It's apparently working quite well as the car is 13 years old with 140K miles and has had no engine issues despite being f...
by Khanmots
Tue Jun 17, 2014 7:47 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6257

Re: What octane gas do you use to fill your car?

What are the reliability consequences for the long term? None? I understand that one may get a little performance decrease. Octane measurement is a way of measuring how hard it is to cause ignition. Higher octane and it's harder. This is important because the inside of your engine is quite hot... a...
by Khanmots
Mon Jun 16, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6257

Re: What octane gas do you use to fill your car?

That's a fluke. Higher octane, in a car designed for 87, actually will give you worse fuel efficiency, with no additional power. Octane rating is just resistant to pre-mature detonation. Higher octane fuels allow for higher compression ratios. If your car doesn't have that higher compression ratio,...
by Khanmots
Mon Jun 16, 2014 8:59 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6257

Re: Seeking index fund for cap-weighted total US stock marke

It's worth pointing out that the paper is done by an amateur in the field, has not been peer reviewed, and in fact has blatantly obvious logical flaws. I too am concerned that our new poster may misconstrue your point. Even if you are correct, that does not mean that total stock market should be av...
by Khanmots
Sun Jun 15, 2014 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking index fund for cap-weighted total US stock market
Replies: 9
Views: 792

Re: Seeking index fund for cap-weighted total US stock marke

It's worth pointing out that the paper is done by an amateur in the field, has not been peer reviewed, and in fact has blatantly obvious logical flaws. While the premise may well be correct, I'd suggest pursuing other sources. As an example of the flaws... The most easily articulated concern I have ...
by Khanmots
Sun Jun 15, 2014 2:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking index fund for cap-weighted total US stock market
Replies: 9
Views: 792

Re: IMCA Capital Unsolicited Card Sent?

Scam. Given the phone number doesn't seem to have anywhere referencing it... (like a corporate website) And the activatecardnow website has 1) Craptastic traffic 2) Entering a number... any number... 1234 1234 1234 1234 goes to step 2 asking for lots of personal info... name... email... phone... 3) ...
by Khanmots
Fri Jun 13, 2014 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: IMCA Capital Unsolicited Card Sent?
Replies: 17
Views: 3565

Re: Is this a foolish asset allocation?

As someone who is at 100% I don't think it's foolish. I do think you should be really sure of your risk tolerance... both from a percentage perspective and from an absolute. For instance I think I'll be OK with losing 50% when it's only a few hundred thousand.... but if it's 1 mil? I dunno. So I hav...
by Khanmots
Wed Jun 11, 2014 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this a foolish asset allocation?
Replies: 42
Views: 3683

Re: Switching Ameriprise taxable account to Vanguard

Worth pointing out that when I went from Ameriprise to Vanguard I was unable to obtain a medallion (I've never had a physical bank...) I wound up having Ameriprise mail me a check directly and then I sent that to Vanguard. That actually went through rather quickly and painlessly (and somehow they di...
by Khanmots
Tue Jun 10, 2014 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switching Ameriprise taxable account to Vanguard
Replies: 16
Views: 870

Re: investing international, why & how much

Ged Would add that I'd recommend small value, not small, that's where the premium is largest--and that allows you either to get the higher EXPECTED return or lower your equity allocation somewhat, keeping expected returns the same but cutting tail risks Larry Larry, is there a generally available, ...
by Khanmots
Tue Jun 10, 2014 6:55 pm
 
Forum: Investing - Theory, News & General
Topic: investing international, why & how much
Replies: 51
Views: 4733

Re: investing international, why & how much

twinsfan First the fact that the returns have been about the same doesn't argue against it, why not diversify if did not cost you anything? Second, the fact that the returns have been the same doesn't mean they will. Ask a Japanese investor if they think global diversification is important. US just...
by Khanmots
Tue Jun 10, 2014 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: investing international, why & how much
Replies: 51
Views: 4733

Re: You have WAY too much in U.S. stocks!

LongerPrimer wrote:I have never made $$ in international indexes or sectors. Hope someone has.

Vanguards Intl Small offering (VSS) has treated me quite well this year.
by Khanmots
Sun Jun 08, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: You have WAY too much in U.S. stocks!
Replies: 15
Views: 4419

Re: Alarm Clock

I guess people are lighter sleepers than I am because bringing up the lights or soft rain sounds wouldn't nudge me especially if I were getting up earlier than before so I need the LOUD beeping alarm. Maybe you'd do better with a rumbler alarm clock or one of the alarm clocks that make you do some ...
by Khanmots
Fri May 30, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Alarm Clock
Replies: 30
Views: 2437

Re: Piggy bank -> savings account for minor child -- options

Why does it have to be a formal account? My parents played bank for us kids. Kept a spreadsheet with our deposits/withdrawals... heck, you could even decide that the bank of dad/mom pays 5% interest if you wanted. If you do go this route, just be careful not to fall into the trap of controlling the ...
by Khanmots
Wed May 07, 2014 8:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Piggy bank -> savings account for minor child -- options
Replies: 16
Views: 1061

Re: Sewer Line Replacement Under Garage

Where in the line is the misshappen and partially obstructed parts at? If that's all out in the yard, and the section under the garage you're primarily worried about stabilizing against future degradation you might look into simply doing an epoxy lining for that section. I'm not an expert or anythin...
by Khanmots
Wed Apr 30, 2014 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Sewer Line Replacement Under Garage
Replies: 11
Views: 1219

Re: Received Important Notice from Mortgage Company

Nosferatu wrote:Congrats!

8 years out for us. Image

Hopefully about the same for me.

Really looking forward to it!

Congrats op :)
by Khanmots
Fri Apr 25, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Received Important Notice from Mortgage Company
Replies: 4
Views: 826

Re: sued by landlord

I just talked to the management this morning. .... I think you need to get these statements in writing AND you need to be present in the room when the management calls/faxes/e-mails their lawyer. And the "in writing" should have a "CC:" at the bottom so that it is also sent to t...
by Khanmots
Mon Apr 21, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: sued by landlord
Replies: 34
Views: 4444

Re: How to avoid ads and not get tracked

My computer got hijacked by the FBI although they would give it back to me for $250 from Western Union (I declined) and I got a new computer. ??? No need to share details but what in the world does it mean to have one's computer hihacked by the FBI? BTW, I realize I misread the title and thought it...
by Khanmots
Thu Apr 17, 2014 10:36 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 3588

Re: Switching Banks

Thanks for the replies. Interesting about the recommendation to have more than one credit card. My credit rating is very good so I'm not trying to build it up and I prefer the simplicity of a single credit card, but I thought I had read somewhere that opening up additional credit cards was a negati...
by Khanmots
Thu Apr 17, 2014 10:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Banks
Replies: 30
Views: 3262

Re: Available Funds in 401K - Opinions please

Looks like the consensus is to pick one of the target funds. Yeah the AA of the 2025 sounds about right. Thanks for your input! The important questions are: 1) Am I diversified? (100% in Enron is kinda scary...) 2) Do I have the correct risk exposure? (If 2008 hits again could I sleep at night?) 3)...
by Khanmots
Wed Apr 16, 2014 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Available Funds in 401K - Opinions please
Replies: 8
Views: 729
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