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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 6:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: sued by landlord
Replies: 34
Views: 3966

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 11:36 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2742

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 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching Banks
Replies: 30
Views: 2399

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 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Available Funds in 401K - Opinions please
Replies: 8
Views: 559

Re: Available Funds in 401K - Opinions please

Given your goals and the ERs, I'd just pick the target retirement fund with the equity/bond split that you're aiming for.

For instance the 2025 fund is currently at a 70/30 split... and the 2020 is around a 62/38.
by Khanmots
Tue Apr 15, 2014 11:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Available Funds in 401K - Opinions please
Replies: 8
Views: 559

Re: exchanging shares in an IRA/tax implication

It is worth pointing out that there can be tax implications if you're also selling in taxable accounts and generate a wash sale with a purchase in the tax-advantaged.
by Khanmots
Sun Apr 13, 2014 11:37 pm
 
Forum: Investing - Theory, News & General
Topic: exchanging shares in an IRA/tax implication
Replies: 4
Views: 213

Re: How to invest $1k a month

Each month I have maybe $500 - $1500 left over that I have to invest. I know there are a million people out there who could turn an annual profit on that of $5k, maybe $10k, maybe much more. Ask yourself a few questions such as... if these people can really do this then why are they working? If I c...
by Khanmots
Sun Apr 13, 2014 6:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest $1k a month
Replies: 16
Views: 2064

Re: Stock markets in free fall?

Personally, I only think a 100% equity allocation makes sense to a subset of those who are planning on trying to retire significantly early and are still a decade or two away. The great thing about planning to retire at 50 is that if things don't work out with your 100% equity strategy, you still h...
by Khanmots
Sat Apr 12, 2014 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6560

Re: Vanguard VTI and VXUS: adding more small VSS and VB/VBR

I use all mutual funds except for VSS due to the fee structure. I find mutual funds far easier to trade, especially when I'm re-balancing. That said, if you're only adding a tiny sliver of each, I wouldn't bother... adds complexity for not much purpose. Unless of course you like managing complexity....
by Khanmots
Sat Apr 12, 2014 1:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTI and VXUS: adding more small VSS and VB/VBR
Replies: 15
Views: 1026

Re: Stock markets in free fall?

Bonds are still a waste of time for young investors (<40yrs) who plan on retiring at 55 or later, even if the market drops another 30-40%. The market has risen well over that in the last few years and bonds would have been a major drag on returns. I agree. I wish I would have realized this 20 years...
by Khanmots
Sat Apr 12, 2014 1:42 am
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6560

Re: Stock markets in free fall?

Still 100% equities. No second thoughts. Hadn't even known that the market was having "issues".

Although... just calced my return and I'm around 1.2% YTD. So not sure what everyone's on about.
by Khanmots
Fri Apr 11, 2014 10:48 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6560

Re: The market portfolio vs. value tilts

Another is that some people can't add more equity exposure without running on margin.

Or want a differently shaped return distribution.
by Khanmots
Thu Apr 10, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: The market portfolio vs. value tilts
Replies: 66
Views: 3182

Re: Preventing Office Theft of Food and Other Stuff

The whole distance from money aspect reminds me of articles about audio & video piracy. Many people aren't shy about illegal downloads and copyright violations because it does not feel the same as breaking a car window, hotwiring the car and driving off with it. But it is theft nonetheless. Goi...
by Khanmots
Sun Apr 06, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5173

Re: Rebalancing restricts vanguard funds?

The restriction applied when you sell (when you rebalanced) only applies to manually initiated online purchases. It doesn't affect any automatic purchases... and you can still make manual purchases via mail if necessary. What they're trying to prevent is the costs that are driven by people jumping i...
by Khanmots
Fri Apr 04, 2014 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing restricts vanguard funds?
Replies: 18
Views: 863

Re: road trip with kids, Northern California

If at all possible on your drive down, swing by fern canyon in northern CA. I did a tour of the pacific NW a few years back seeing redwoods,the olympic peninsula rain forest, the gorge, st helens, etc... and this place made it way up my must return to see again one day list even amongst all that. We...
by Khanmots
Thu Apr 03, 2014 9:34 pm
 
Forum: Personal Consumer Issues
Topic: road trip with kids, Northern California
Replies: 12
Views: 696

Re: Preventing Office Theft of Food and Other Stuff

For a while, a co-worker put a lock box in the refrigerator to protect his cream. Unfortunately, in a large office setting whatever is not locked up or locked down will eventually be stolen. 9 years at a large office. Been shifted between various buildings and various groups. I've had one soda go m...
by Khanmots
Thu Apr 03, 2014 10:02 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5173

Re: Ijs vs visvx [Small cap value, iShares vs. Vanguard]

nisiprius, you should check out their class C shares instead of the class A... RYSYX comes with a 2.28% ER
by Khanmots
Thu Apr 03, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Ijs vs visvx [Small cap value, iShares vs. Vanguard]
Replies: 6
Views: 552

Re: Hypothetical Reblancing Question (401 and roth)

Does it end up costing you anything to rebalance inside of your 401k? From a tax perspective no. From a fee perspective, I'd suspect that it depends on your 401k I guess. Personally, I've not run across a 401k that had fees for buying/selling within it. But I suspect you'd have to watch out for fun...
by Khanmots
Wed Apr 02, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Hypothetical Reblancing Question (401 and roth)
Replies: 12
Views: 413

Re: newbie question - after hours market orders w/ vanguard

TPayne17 wrote:I believe if you buy after the market closes then you will get the end price of the next business day. If you buy before the market closes you will get the ending price of that day. Hope this helps.

He's asking about stocks/ETFs not mutual funds.
by Khanmots
Mon Mar 31, 2014 9:19 pm
 
Forum: Investing - Theory, News & General
Topic: newbie question - after hours market orders w/ vanguard
Replies: 6
Views: 387

Re: Purchasing New Tires for Car and Need Suggestions

And not only is tirerack the best source of information on tires I've found they also are quite competitive on pricing. Even after you factor shipping and paying someone to mount and balance. At least in my area, I still come out ahead through them. I've bought 4 sets of tires through them so far an...
by Khanmots
Sun Mar 30, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Purchasing New Tires for Car and Need Suggestions
Replies: 38
Views: 2043

Re: Just getting started at 38, advice please

The way they word the fees makes them sound smaller than they are. A few different ways of looking at it. Assume your long-term rate of return is 8%. Take his fee of 2.25%, what will likely be funds with an ER of at least 0.5 to 1% and an additional 0.75 to 1% 12b-1 fee ("advertising fee" ...
by Khanmots
Sat Mar 29, 2014 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Just getting started at 38, advice please
Replies: 19
Views: 2764

Re: What makes a boglehead different

I've always been a saver... But one of my uncles said something a few years back that really resonated with me and is probably a good deal of the *why* I've always felt compelled to save. "It isn't a problem if it can be solved with money." My saving isn't really because I like having a hi...
by Khanmots
Sat Mar 29, 2014 10:48 am
 
Forum: Personal Finance (Not Investing)
Topic: What makes a boglehead different [Behavior of saving]
Replies: 36
Views: 2445

Re: Auto repair - "Threads getting thin in oil pan drain plu

I know I was surprised at how much of a PITA it was to replace my starter. On my car you either have more than one elbow on your arm or you start pulling your intake manifold and all sorts of other stuff off the front of the engine. I agree with you, but the starter is usually located at the bottom...
by Khanmots
Thu Mar 27, 2014 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Auto repair - "Threads getting thin in oil pan drain plug"
Replies: 40
Views: 1773

Re: Auto repair - "Threads getting thin in oil pan drain plu

I am definitely not doing at dealer. Is 3 hr labor reasonable? Thanks I'm just a shadetree mechanic, but you could replace the entire oil pan in only 30 minutes. I would suspect that it greatly depends on which car. I know I was surprised at how much of a PITA it was to replace my starter. On my ca...
by Khanmots
Thu Mar 27, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: Auto repair - "Threads getting thin in oil pan drain plug"
Replies: 40
Views: 1773

Re: Vanguard VFSVX

I've got 34% of my porfolio as the ETF version, VSS.

It's also my only ETF holding. But the ER sells it to me even if re-balancing isn't as convenient.
by Khanmots
Wed Mar 26, 2014 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard VFSVX
Replies: 4
Views: 352

Re: Is there ever a reason to prefer taxable over tax advant

I wouldn't consider what your friends are doing reasonable. As others have pointed out they're quite likely playing with things far scarier than owning individual stocks (which is too scary for me!). I suspect it's a lack of knowledge; they don't know what's involved with IRAs, and aren't willing to...
by Khanmots
Mon Mar 24, 2014 1:20 am
 
Forum: Investing - Theory, News & General
Topic: Is there ever a reason to prefer taxable over tax advantaged
Replies: 48
Views: 4544

Re: Where to start investing? Almost 28, 52k in bank, no deb

By the way, I think moving directly from your parent's place to purchasing a house is a terrible idea. I think you should rent for a while first before buying, in almost all cases. I wouldn't be living by myself. With the prices of houses around here, I already know I'd have to have a roommate live...
by Khanmots
Mon Mar 24, 2014 1:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to start investing? Almost 28, 52k in bank, no debt...
Replies: 11
Views: 1590

Re: Are people really selling at the bottom of the market ?

deikel wrote:So than who was the winner buying at the bottom ?

The guy rebalancing?
by Khanmots
Thu Mar 20, 2014 7:56 pm
 
Forum: Investing - Theory, News & General
Topic: Are people really selling at the bottom of the market ?
Replies: 16
Views: 2846

Re: Is it ethical to put this on your resume?

Network to get past the HR screen. I work for a very large company... and had a new hire come on to my team. He was a philosophy major hired to serve in an engineering role (and was a good match for it). He got the interview by having experience in the field and having had networked such that he kne...
by Khanmots
Thu Mar 20, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it ethical to put this on your resume?
Replies: 27
Views: 2859

Re: Leaving Fidelity

Simply because you got a jerk doesn't (necessarily) mean the company is bad. I had a terrible rep assigned to me at TIAA CREF. Just told them I never wanted any further contact from her. You should do the same at Fidelity. Call in, talk to a telephone rep (not your rep) and explain the problem. You...
by Khanmots
Thu Mar 20, 2014 12:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Leaving Fidelity
Replies: 35
Views: 3031

Re: What "annual" retirement income are you hoping to achiev

I assume we're talking post-tax dollars?
by Khanmots
Sun Mar 16, 2014 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: What "annual" retirement income are you hoping to achieve?
Replies: 70
Views: 4162

Re: What's a reasonable composite expense ratio?

Slice-and-dicer here. I'm currently running a tad over 0.16% (including 401k costs)

The big driver for that high of an ER is my large holding of vanguard's intl small ETF (VSS) at ~36% of my portfolio. I'm paying 0.255% for it (0.055% 401k fee). The recent drop in VSS's ER was nice :)
by Khanmots
Fri Mar 14, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's a reasonable composite expense ratio?
Replies: 62
Views: 2882

Re: Edward Jones ignores do-not-call lists

Even for those of us that do have caller ID (I'm cell phone only) DNC lists are useful. I can only imagine how many calls I'd be getting without it.
by Khanmots
Fri Mar 14, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Edward Jones ignores do-not-call lists
Replies: 20
Views: 1558

Re: Tax Bracket -vs TaxTable what am I missing?

Hopefully it makes you feel better about the raise that bumped you into the 25% bracket... you're only paying 25% on a handful of dollars not all of them! :D
by Khanmots
Fri Mar 07, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Bracket -vs TaxTable what am I missing?
Replies: 14
Views: 869

Re: your lowest exspense ratio fund in 401

Different MegaCorp than BrandonBogle... We have a 0.055% admin wrap. After that our index funds run (roughly) an additional... S&P 500 Index +0.01% Short Term Gov Bond Index +0.05% Total Bond Index +0.03% TIPS Index +0.04% Small/Mid-cap Index +0.02% MSCI EAFE Index +0.04% EM Index +0.11% Decent ...
by Khanmots
Fri Mar 07, 2014 2:28 am
 
Forum: Personal Finance (Not Investing)
Topic: your lowest exspense ratio fund in 401
Replies: 31
Views: 1572

Re: your lowest exspense ratio fund in 401

Since there's such a disparity in how fees are charged, how do you want people to include fees?

Ignore them?
Somehow convert any and all fees to equivilent annual percentages and add to ER?
Something else?
by Khanmots
Fri Mar 07, 2014 2:07 am
 
Forum: Personal Finance (Not Investing)
Topic: your lowest exspense ratio fund in 401
Replies: 31
Views: 1572

Re: Tax Bracket -vs TaxTable what am I missing?

frogmaster, I edited my earlier comment (the first reply) to include some example math, see if it helps.
by Khanmots
Thu Mar 06, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Bracket -vs TaxTable what am I missing?
Replies: 14
Views: 869

Re: Tax Bracket -vs TaxTable what am I missing?

Each dollar is taxed at it's own rate. So for 2013, Dollars numbered 1, 2, 3, ... 17,850 are taxed at the 10% rate Dollars numbered 17,851, 17852, .... 72,499, 72,500 are taxed at the 15% rate And only dollars numbered 72,501, 72,502, 72,503, etc are taxed at 25% So if you had $72,500 of taxable inc...
by Khanmots
Thu Mar 06, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Bracket -vs TaxTable what am I missing?
Replies: 14
Views: 869

Re: Trusting My Auto Mechanic

Educate yourself? A little bit of education in a field can go a long way towards determining who to trust. In this case, you could read a bit on how to evaluate the shape of your brake pads and take a look to determine who's BSing you. However, this is a wider topic than just brake pads... I find in...
by Khanmots
Thu Mar 06, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Trusting My Auto Mechanic
Replies: 14
Views: 1265

Re: Bogleheads.org Home Page Updated

Layout thoughts... For those that run at a higher-res the home page has always been shoved to the left. However this is more extreme. Pulling up the old site in the wayback machine and comparing I notice that the new layout is, aside from the header, roughly an inch skinnier (will differ on differen...
by Khanmots
Sun Mar 02, 2014 11:26 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9131

Re: Will VSS, VNQI ER Estimates Be Lowered Soon? [Yes]

petrico, looks like you called it. VSS and VNQI are now at those ERs.
by Khanmots
Thu Feb 27, 2014 9:52 am
 
Forum: Investing - Theory, News & General
Topic: Will VSS, VNQI ER Estimates Be Lowered Soon? [Yes]
Replies: 23
Views: 2276

Re: Vanguard Tot Intl and Emerging Markets just got cheaper

VSS (intl small ETF) went from 0.25% to 0.20% :)
by Khanmots
Thu Feb 27, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl and Emerging Markets just got cheaper
Replies: 49
Views: 4401

Re: Meeting with a financial adviser

I had a Ameriprise advisor for a few years that was advising me pro-grata while I accumulated funds. It was far from free. Cost me 2-3% a year more than I'm paying now. I suspect that between things like 12b-1 fees and $20/quarterly fees for the "privilege" of having a sweep account and po...
by Khanmots
Mon Feb 24, 2014 10:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Meeting with a financial adviser
Replies: 45
Views: 4502

Re: Leaving a small amount of student debt for child to pay

Back to the OP... I'd say depends on the kid. I flunked out when I was paying for 90% of my expenses. I graduated Cum Laude when my parents were covering 75% of my expenses or so. Paying for things myself or not didn't seem to matter much. If anything parents paying for stuff made it more important ...
by Khanmots
Sun Feb 23, 2014 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Leaving a small amount of student debt for child to pay off?
Replies: 45
Views: 2649

Re: Child heading off to college next year; banking checklis

Haven't been on your end... but was on your kids end some years back. I had a checking account purely in my own name. Don't think I had any situations where having joint ownership would have helped. And these days it's easy enough to do an electronic transfer between accounts if you needed to deposi...
by Khanmots
Sun Feb 23, 2014 5:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Child heading off to college next year; banking checklist
Replies: 29
Views: 1000

Re: PE10 - Theory Question

Interesting thoughts... Don't have the time to really think through a response right now, and I'll have to hunt down the references... but will swing back later. Also, I'm looking forward to reading your piece Larry. I'm assuming you'll be making a post when it goes live? :)
by Khanmots
Fri Feb 14, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: PE10 - Theory Question
Replies: 10
Views: 743

PE10 - Theory Question

If PE10 is supposed to be an indicator of the "value" of equities, then why is it independent of the risk-free rate? Doesn't the very idea of determining if something is "expensive" or "cheap" mean that you have to be comparing against alternatives? So why shouldn't we ...
by Khanmots
Fri Feb 14, 2014 2:35 am
 
Forum: Investing - Theory, News & General
Topic: PE10 - Theory Question
Replies: 10
Views: 743

Re: My kids want a house - not a treehouse

I live in the DFW area and kinda recently bought my first house (09ish). I was older than them, but probably spent longer getting through my degree... XD I was single, making around $70k at the time, and could still easily afford a 15 year note (and put 20% down) I didn't get the perfect house, but ...
by Khanmots
Wed Feb 12, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: My kids want a house - not a treehouse
Replies: 11
Views: 1160

Re: Dave Ramsey's voice is in my head...

It'd be worthwhile to have an idea of your income and major expenses as well as the rate on the mortgage. The auto-loans are at pretty decent rates, although if your credit is solid you might consider refinancing the 2.75% one since you're not underwater on it. I just took a glance at penfed and the...
by Khanmots
Sat Feb 08, 2014 5:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey's voice is in my head...
Replies: 70
Views: 7274

Re: Vanguard REIT fund in my taxable account

$60k holding is going to generate what... 2000-2500 of taxable distributions a year, or roughly $600-700 in taxes? If you only have a $5k long term gain, you'll recoup the tax-hit from selling in 1-2 years.
by Khanmots
Sat Feb 01, 2014 2:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard REIT fund in my taxable account
Replies: 7
Views: 600
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