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by Khanmots
Mon May 11, 2015 12:40 pm
Forum: Investing - Theory, News & General
Topic: International - Who really is at 40%
Replies: 93
Views: 6619

Re: International - Who really is at 40%

Been at roughly 55% since I took over from my "advisor" roughly 4 years ago. I didn't think about changing it when it was under-performing US, likewise I'm not thinking about changing it now. My allocation isn't based on performance, so recent events aren't tempting me to change it.
by Khanmots
Tue Mar 31, 2015 6:06 pm
Forum: Personal Consumer Issues
Topic: New Car Tires from Discount Tire
Replies: 23
Views: 2850

Re: New Car Tires from Discount Tire

I would not buy from Discount Tire. I live in Colorado and have had bad experiences with Discount Tire. They consider a tire unusable after several years, I'm not sure of the exact time limit, even if there is good tread left. Rubber compounds degrade over time regardless of use (although heat and ...
by Khanmots
Thu Mar 26, 2015 1:16 pm
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 116
Views: 12443

Re: Wise move to move some $ to cash before bear market?

What everyone else has said. And... if this author was such a good predictor of market movements, why is he writing for a living? Why hasn't he put his skill to use, made his fortune, and be currently hanging out on a beach somewhere with a large number of beauties of the appropriate sex? Maybe it's...
by Khanmots
Thu Mar 19, 2015 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: [Poll] Do you have an auto loan?
Replies: 72
Views: 4856

Re: Do you have and auto loan?

No, never. We always pay cash for our automobiles. Auto loans are a huge mistake. If you cannot pay cash then buy a bicycle and save up. Didn't need a car at uni. Did need a car once I graduated and had a job. I got a loan for a car. No mistake made. I'll also likely get a loan when it's time to re...
by Khanmots
Sun Mar 01, 2015 5:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 410
Views: 22549

Re: Do you consider mortgage payments as savings?

Intellectually I consider paying down the mortgage faster than "normal" as bonds with a maturation date equal to the payoff date at the time I put the extra towards the mortgage. This accounts for the X months that I'll be saving (i.e., making) interest on the extra principle. When I have ...
by Khanmots
Wed Jan 28, 2015 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Prime - good deal or calculated conditioning
Replies: 50
Views: 3093

Re: Amazon Prime - good deal or calculated conditioning

Caducues, I've been surprised at how much of a difference the expedited shipping has made in my purchasing habits. Broken toilet seat? I can live with that for 2 days and save $30 over buying the replacement at the local home improvement store (and amazon has a far larger selection!) Pre-prime days ...
by Khanmots
Tue Jan 06, 2015 4:58 pm
Forum: Investing - Theory, News & General
Topic: Price of Oil Dropping Good or Bad?
Replies: 15
Views: 995

Re: Price of Oil Dropping Good or Bad?

I am amazed at the certainty market observers assign to reasons why the market is going up or down. Who knows what is behind some of it? Good point. I accepted that recent drops were because of oil prices because the media told me so. But maybe it was coincidence? Or maybe oil didn't drop as much a...
by Khanmots
Sun Dec 28, 2014 11:30 am
Forum: Personal Consumer Issues
Topic: Home Thermostat Wiring
Replies: 15
Views: 2042

Re: Home Thermostat Wiring

You may also want to look at your central air system; mine has a wiring diagram on it that helped me make sure that I had things connected right.
by Khanmots
Tue Dec 09, 2014 10:01 am
Forum: Investing - Theory, News & General
Topic: Harvey paper says re-balancing adds risk
Replies: 73
Views: 5414

Re: Harvey paper says re-balancing adds risk

I make no claim to knowing what is best but ... Intuitively to me it has always seemed that rebalancing into stocks after a crash is definitely adding risk. That's it's likely to pay off eventually is another thing... Rebalancing is about managing risk. Say you were at 50/50 equity/FI and that matc...
by Khanmots
Mon Sep 15, 2014 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 7101

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
Wed Sep 03, 2014 2:31 pm
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 93
Views: 6186

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 Aug 27, 2014 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Paying mortgage down or invest instead?
Replies: 8
Views: 1018

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 8:20 am
Forum: Personal Finance (Not Investing)
Topic: Leaving Ameriprise
Replies: 10
Views: 1145

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
Tue Aug 26, 2014 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Guidance on car insurance
Replies: 9
Views: 800

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 2:00 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving Ameriprise
Replies: 10
Views: 1145

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
Thu Aug 14, 2014 7:07 pm
Forum: Investing - Theory, News & General
Topic: Why would a passive investor use ETFs?
Replies: 60
Views: 4395

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
Mon Aug 11, 2014 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: How important is my insurance agent?
Replies: 37
Views: 2422

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: 2422

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
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: 4994

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
Tue Jul 29, 2014 10:07 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2828

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
Mon Jul 28, 2014 10:19 pm
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2828

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
Tue Jul 22, 2014 9:41 pm
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1745

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 8:36 pm
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1745

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
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: 1794

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 12:31 am
Forum: Investing - Theory, News & General
Topic: Expense Ratio Fee Index Fund vs ETF
Replies: 5
Views: 685

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
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: 1503

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 11:01 pm
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1503

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 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: 1503

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 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1503

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 7:54 pm
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 30
Views: 2343

Re: Poll - Do You Read Businessweek?

What's Businessweek? :wink:
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: 744
Views: 104808

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
Mon Jul 14, 2014 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor with Class A fund blues
Replies: 31
Views: 2263

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 5:29 pm
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3575

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 12:04 pm
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 4553

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
Tue Jul 08, 2014 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Raise and Promotion...more money, now what?
Replies: 9
Views: 1652

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
Mon Jul 07, 2014 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Raise and Promotion...more money, now what?
Replies: 9
Views: 1652

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
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: 4820

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
Wed Jul 02, 2014 3:13 pm
Forum: Personal Consumer Issues
Topic: Dumb phone save hikers life
Replies: 11
Views: 1836

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
Mon Jun 30, 2014 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Accepting a check for an online transaction
Replies: 8
Views: 467

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
Fri Jun 20, 2014 10:57 am
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 5080

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
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: 6545

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
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: 6545

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 8:59 am
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6545

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
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: 809

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 2:48 am
Forum: Investing - Help with Personal Investments
Topic: Seeking index fund for cap-weighted total US stock market
Replies: 9
Views: 809

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
Fri Jun 13, 2014 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: IMCA Capital Unsolicited Card Sent?
Replies: 17
Views: 4883

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
Wed Jun 11, 2014 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Is this a foolish asset allocation?
Replies: 42
Views: 3703

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
Tue Jun 10, 2014 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: Switching Ameriprise taxable account to Vanguard
Replies: 16
Views: 954

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 6:55 pm
Forum: Investing - Theory, News & General
Topic: investing international, why & how much
Replies: 51
Views: 4926

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 6:53 pm
Forum: Investing - Theory, News & General
Topic: investing international, why & how much
Replies: 51
Views: 4926

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...

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