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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 11:07 pm
 
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2043

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 11:19 pm
 
Forum: Personal Consumer Issues
Topic: New HVAC system
Replies: 29
Views: 2043

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 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1434

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 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: Defining what an expense ratio means for individuals
Replies: 26
Views: 1434

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 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1690

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 1:31 am
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio Fee Index Fund vs ETF
Replies: 5
Views: 566

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
Fri Jul 18, 2014 12:02 am
 
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1393

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
Fri Jul 18, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1393

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 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1393

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 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: What Do You Tilt to Outside of the Three Fund (at least 4%)?
Replies: 25
Views: 1393

Re: Poll - Do You Read Businessweek?

What's Businessweek? :wink:
by Khanmots
Thu Jul 17, 2014 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Poll - Do You Read Businessweek?
Replies: 28
Views: 1913

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
Thu Jul 17, 2014 12:41 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 191
Views: 9940

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
Tue Jul 15, 2014 12:25 am
 
Forum: Investing - Help with Personal Investments
Topic: New Investor with Class A fund blues
Replies: 31
Views: 2120

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 6:29 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor's ugly overgrown bushes and fence
Replies: 41
Views: 3215

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 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Urban garden bed--ideas to deter dog owners
Replies: 44
Views: 3955

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 6:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Raise and Promotion...more money, now what?
Replies: 9
Views: 1558

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 8:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Raise and Promotion...more money, now what?
Replies: 9
Views: 1558

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 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: In retirement you expect your standard of living to?
Replies: 55
Views: 4530

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 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Dumb phone save hikers life
Replies: 11
Views: 1753

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 10:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Accepting a check for an online transaction
Replies: 8
Views: 445

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 11:57 am
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4606

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 8:47 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 76
Views: 5353

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 2:26 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 76
Views: 5353

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 9:59 am
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 76
Views: 5353

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 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking index fund for cap-weighted total US stock market
Replies: 9
Views: 769

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 3:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking index fund for cap-weighted total US stock market
Replies: 9
Views: 769

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 11:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: IMCA Capital Unsolicited Card Sent?
Replies: 17
Views: 856

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 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this a foolish asset allocation?
Replies: 42
Views: 3597

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
Wed Jun 11, 2014 12:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Switching Ameriprise taxable account to Vanguard
Replies: 16
Views: 837

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 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: investing international, why & how much
Replies: 51
Views: 4563

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 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: investing international, why & how much
Replies: 51
Views: 4563

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
Mon Jun 09, 2014 12:50 am
 
Forum: Investing - Theory, News & General
Topic: You have WAY too much in U.S. stocks!
Replies: 15
Views: 4346

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 11:52 pm
 
Forum: Personal Consumer Issues
Topic: Alarm Clock
Replies: 30
Views: 2289

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 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Piggy bank -> savings account for minor child -- options
Replies: 16
Views: 983

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
Thu May 01, 2014 12:00 am
 
Forum: Personal Consumer Issues
Topic: Sewer Line Replacement Under Garage
Replies: 11
Views: 1141

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 12:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Received Important Notice from Mortgage Company
Replies: 4
Views: 822

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: 4409

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: 3464

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: 3150

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: 717

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: 717

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: 287

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: 2158

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: 7271

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: 1179

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: 7271

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: 7271

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: 4308

Re: Preventing Office Theft of Food and Other Stuff

[off topic comment and followups removed by admin alex]
by Khanmots
Sun Apr 06, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 78
Views: 6722

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: 916
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