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Re: Dumb 3rd grade math question about beach house rental

I was thinking 8 nights split three ways and two night split 2 ways.
($333.3 X 8) + ($500 X 2) = $3667
($333.3 X 8) + ($500 X 2) = $3667
$333.3 X 8= $2666
by MnD
Wed Jul 23, 2014 1:44 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2407

Re: Dumb 3rd grade math question about beach house rental

CFOKevin wrote:10/28 + 10/28 +8/28 = $10,000

you can take it from there

I'm sure you are right that it will be a third each, after discussion.

Kevin


10/28 times $10K comes out a little bit different $3571 versus $3667. Is that how your formula would be applied?
by MnD
Wed Jul 23, 2014 1:21 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2407

Dumb 3rd grade math question about beach house rental

This is a repeat but now with details and specifics. So we rented a three bedroom beach house in Hawaii for 10 days and invited other couples to join and split the costs. That's as detailed as we got. We made no minimum night requirement to join the pact, but assumed 7 nights was going to be the min...
by MnD
Wed Jul 23, 2014 12:58 am
 
Forum: Personal Consumer Issues
Topic: Dumb 3rd grade math question about beach house rental
Replies: 45
Views: 2407

Re: Reduce / Eliminate Emerging Market in Retirement?

If EM is converging with developed markets, then moving your EM to developed markets will do exactly zero to decrease your overall portfolio risk. If it isn't (proven grandly once again in 2013) I don't see the point in some attempt to "lower risk" by making your international equity holdi...
by MnD
Tue Jul 22, 2014 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: Reduce / Eliminate Emerging Market in Retirement?
Replies: 11
Views: 1139

Re: With all these recent posts regarding tilts, should I?

You are on the right track in your thoughts.

401-K
S&P 500 and Total Bond

Roth IRA
Extended market index and Total International Stock Index.

REITS and health care stocks are already contained in the stock market indexes above.
by MnD
Mon Jul 21, 2014 10:16 pm
 
Forum: Investing - Theory, News & General
Topic: With all these recent posts regarding tilts, should I?
Replies: 14
Views: 971

Re: Gray Market woes

It's a phone company and has value and pays dividends. Did your account get the 6/4/2014 dividend? If this is just a small position and you are getting the dividends in your account in cash, I'd just keep it. If it's a lot of money to you at the quoted price I'd try harder to find a brokerage that w...
by MnD
Sat Jul 19, 2014 12:25 pm
 
Forum: Investing - Theory, News & General
Topic: Gray Market woes
Replies: 20
Views: 2033

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

0.0% mostly due to the choices in the Federal TSP. However the alternative answer for myself may be 60% or 75%. I would speculate that if Taylor were an active federal employee his % would also be 0.0%. Even a purist Fed, who invest outside holdings to replicate three funds and appreciates the speci...
by MnD
Sat Jul 19, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1656

Re: POLL: Do you have a dedicated REIT allocation?

Publicly traded REIT's are in the broad indices plus I tilt in SCV plus I own a house which is well above the pre-crash high in value. That seems like plenty of real estate exposure to me. If I added yet more real estate exposure via dedicated REIT funds I doubt I would add them in any quantity larg...
by MnD
Wed Jul 16, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6885

Re: Zoning Issue in PA

Commercial to residential sounds good to me.
Would you rather a 24-hour gas station or delivery heavy pizza place?
by MnD
Wed Jul 16, 2014 12:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Zoning Issue in PA
Replies: 5
Views: 737

Re: Portfolio allocation question - Core Four using TSP and

My TSP is in G, I, C and S and it is the dominant account size-wise. Our accounts outside the TSP (taxable and IRA's) are full of what TSP does not offer and don't have room for much else due to the size of TSP and what it requires dollar-wise to fill in what's missing. Namely small US value (VBR), ...
by MnD
Sat Jul 12, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio allocation question - Core Four using TSP and IRA
Replies: 10
Views: 1398

Re: Imputed income (rent) Owner occupied houses.

A raccoon last night ate a not insignificant portion of a beam on an old pergola attached to the beloved 1952 large money pit home. The portion the raccoon ate (upon inspection) had carpenter bees in it, so he/she was after the bee larvae. Oh well - it was kind of like the maggots they use now to cl...
by MnD
Fri Jul 11, 2014 11:44 pm
 
Forum: Investing - Theory, News & General
Topic: Imputed income (rent) Owner occupied houses.
Replies: 21
Views: 2367

Re: True or False? Your risk tolerance only increases with t

My risk tolerance started fairly low - prior to mid-20's all my "investments" were at the credit union in share accounts so a 50-50 portfolio at age 25 when I started buying stocks/fixed income seemed quite bold and daring. Increased to 75-25 by early 30's and has been quite stable for two...
by MnD
Thu Jul 10, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: True or False? Your risk tolerance only increases with time
Replies: 30
Views: 2328

Re: IRS limits direct deposts of refunds to fight Identity T

I try to owe the IRS every year. The safe harbor limits are generous and even if you screw those up the penalties are pretty chump-change.
by MnD
Wed Jul 09, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS limits direct deposts of refunds to fight Identity Theft
Replies: 25
Views: 3303

Re: How I look at $ in the real world vs my retirement accou

I was down around $350,000 in 2008 through early 2009.
If being down $4 in real life or in the market bothers you, you may be in for a rough ride down the road. :mrgreen:
by MnD
Wed Jul 09, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 45
Views: 5639

Re: Does corporate credit risk add value

Corporate-tilted Dodge and Cox income seems to have added value despite the drag of a .43% ER
------------------------1 yr---3 yr---5 yr---10 yr---20 yr
D & C Income Fund 6.62% 4.88% 6.55% 5.60% 6.70%
Barclays Agg Index 4.38% 3.67% 4.87% 4.94% 6.16%
by MnD
Wed Jul 09, 2014 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Does corporate credit risk add value
Replies: 71
Views: 4089

Re: When do you "limit" saving and start to spend more?

We set savings amounts and spend everything else. During times of income growth we generally up that savings amount but keep the same % so spending goes up too. I am a mixed spender-saver and wife is more a spender so we have no problem spending what we do not dedicate to saving. Retirement is plann...
by MnD
Wed Jul 09, 2014 12:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: When do you "limit" saving and start to spend more?
Replies: 39
Views: 3846

Re: Wife was hit by car while riding on bicyle. Next Step?

My state has no pain or suffering unless medical is over $10K or something like that so no lawyers were interested unless I wanted to pay them by the hour. Most thought that was a waste of my money unless I had some persistent injury possibility which I did not. My medical was around $2K so I got $2...
by MnD
Wed Jul 09, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife was hit by car while riding on bicyle. Next Step?
Replies: 46
Views: 5511

Re: How many veteran investor have LARGE MAJORITY in three-f

30 years investings in stocks and funds and 17 positions. About 50% of assets are in 0.03% ER TSP funds Another 25% in 0.07%-0.2% ER index funds The rest in lowish cost active funds 0.5%-0.8% and a couple of stocks at 0% ER. Two-employer two-person household, provider limited choices and tax reasons...
by MnD
Wed Jul 09, 2014 12:15 am
 
Forum: Investing - Theory, News & General
Topic: How many veteran investor have LARGE MAJORITY in three-fund?
Replies: 56
Views: 3788

Re: Dodge & Cox - Global Bond Fund on the way

Dodge and Cox Global Bond (if like Dodge and Cox International Stock) will only hedge on a case by case, country by country and time limited basis. It will on average have a significant position in US bonds - it's a global go-anywhere bond fund versus a strictly international bond fund. Here's the l...
by MnD
Mon Jul 07, 2014 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: Dodge & Cox - Global Bond Fund on the way
Replies: 27
Views: 4005

Re: Want international exposure? You already have it.

I'd be OK with 100% of our equities in Total International Stock Market. Our human capital has little value outside the US, we are vested in one govt pension, stock grants in a small private US company, two above average claims on Social Security and a paid off home in a city without a significant ...
by MnD
Mon Jul 07, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6294

Re: Dodge & Cox - Global Bond Fund on the way

Fidelity is still not offering this fund for trading which came out May 1. I called both Fidelity and Dodge and Cox today and both reps confirmed this and yet seemed puzzled by the omission. Both said they would send something up the chain as it seems to be in the interest of both companies for Fide...
by MnD
Mon Jul 07, 2014 5:13 pm
 
Forum: Investing - Theory, News & General
Topic: Dodge & Cox - Global Bond Fund on the way
Replies: 27
Views: 4005

Re: Animal battle Round 7: Raccoon pooping near house

We have racoons, fox, skunk, squirrels, hawks, owls, ducks and many other birds visit our large well treed yard with a small pond in a major city. We raised two kids with no problems and have have never had any other problems with them with the exception of our dogs barking at treed racoons - proble...
by MnD
Mon Jul 07, 2014 5:04 pm
 
Forum: Personal Consumer Issues
Topic: Animal battle Round 7: Raccoon pooping near house
Replies: 39
Views: 3151

Re: Want international exposure? You already have it.

I'd be OK with 100% of our equities in Total International Stock Market. Our human capital has little value outside the US, we are vested in one govt pension, stock grants in a small private US company, two above average claims on Social Security and a paid off home in a city without a significant n...
by MnD
Sat Jul 05, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Want international exposure? You already have it.
Replies: 65
Views: 6294

Re: Are You Re-Balancing?

This exactly. I don't understand the flurry of re-balancing threads. It takes large market movements to exceed generally recommended rebalancing band approaches. That happened in my portfolio in 2009 and 2013. The recent market moves have been modest - i am not even close to reaching another rebalan...
by MnD
Sat Jul 05, 2014 10:44 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Are You Re-Balancing?
Replies: 70
Views: 4950

Re: Do you tell your kids how much you make?

Yes, and I also now include them in the annual family discussion of our annual earnings, investment performance, household investment net worth, planned retirement dates and terms of our financial support (ends at undergrad graduation with possible exception of family health care coverage). My daugh...
by MnD
Fri Jul 04, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you tell your kids how much you make?
Replies: 58
Views: 5901

Re: Anyone use Wells Fargo Bank?

I respect that. I'm trying to figure out how the organization could have prevented the monthly overdraft fees. Do they write software to scan accounts looking for that, then call up the folks? After i paid off the loan and disabled "auto-advance" (I think that's what they called it) - the...
by MnD
Fri Jul 04, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Wells Fargo Bank?
Replies: 57
Views: 7574

Re: Anyone use Wells Fargo Bank?

When my disabled and elderly mother-in-law was in her early 80's (Social security was her only income) she had a big car bill and took out a $500 monthly 'advance" loan through her WF checking account. The charge for it was $50. Her rent and other regular expenses consumed her entire social sec...
by MnD
Fri Jul 04, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Wells Fargo Bank?
Replies: 57
Views: 7574

Re: Bernstein: Don’t Bother With International Bonds

I remember back in the day (when most index investors held the S&P 500) when people were warning about adding small cap funds or using the new total stock market indices coming out. Too risky - why add "dangerous" small cap stocks? You saw the same thing when total international index ...
by MnD
Fri Jul 04, 2014 9:41 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9015

Re: Bernstein: Don’t Bother With International Bonds

I think I'm turning into something of a Bernstein contrarian. :mrgreen: I'm in the process of building what will be a very substantial position in Dodge and Cox Global Bond paired with the TSP G fund. I don't think "buy the biggest debtors debt" is a good way to invest in bonds, but that's...
by MnD
Mon Jun 30, 2014 5:01 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: Don’t Bother With International Bonds
Replies: 112
Views: 9015

Re: Who do you talk with about your financial goals?

Spouse, and financially like-minded friend at work and one sibling.
We've learned from each other and have shared financial tools and techniques (inherited IRA details, backdoor Roth, retirement planning spreadsheets, tax-loss harvesting).
by MnD
Mon Jun 30, 2014 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Who do you talk with about your financial goals?
Replies: 158
Views: 9063

Re: I need a Bogleheads reminder [New home - how much to spe

Also quality trumps quantity. A modest sized house with quality construction and materials will be far more desirable than a Huge monstrosity with cheaper construction. And the better Lot always wins...That is the location thing. A number of people in our office that bought monstro-sized new or new...
by MnD
Sat Jun 14, 2014 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: I need a Bogleheads reminder [New home - how much to spend?]
Replies: 44
Views: 2750

Re: What funds do you sell in order to balance

The steady rise of the market makes me a little nervous, so I have been rebalancing far more often than usual Is that really your IPS? I rebalance only when rebalancing bands are exceeded. It's all rule based with zero emotion. Rebalancing is a fairly rare event in my world. What is most over-targe...
by MnD
Sat Jun 07, 2014 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: What funds do you sell in order to balance
Replies: 10
Views: 626

Re: The 2 comma paradox

Nope no worries. If OTOH I was living paycheck to paycheck or had grossly inadequate savings at this point in life I'd be a basket case. I have coworkers, friends and in-laws that are in that boat and I don't know they manage. I would have the worst stomach ache knowing I was a paycheck or two from ...
by MnD
Sat Jun 07, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14226

Re: Investors hold the lowest percentage of stocks in 50 yea

As a contrarian-leaning investor and 75/25 stocks/bonds 4 years from retirement, I think this is GREAT news. :happy
by MnD
Fri Jun 06, 2014 3:48 pm
 
Forum: Investing - Theory, News & General
Topic: Investors hold the lowest percentage of stocks in 50 years
Replies: 38
Views: 4622

Re: Am I A Moron

Our emergency fund (taxable brokerage account) has been 100% stocks for 20+ years since the early 1990's. The bank accounts are on average just money-in, money-out. The last time we held any significant cash was just prior to buying our house in 1991. I haven't added anything to the emergency accoun...
by MnD
Fri Jun 06, 2014 1:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I A Moron [savings account as an asset class]
Replies: 47
Views: 2765

Re: Poll: Luxury and Happiness

We've made a point to focus on luxury experiences. I've never been disappointed in spending money on that. Long vacations with first class airfare and single-family home or cottage oceanfront rentals First few row concert tickets Those sorts of things. These seem to bring us more happiness than buyi...
by MnD
Thu Jun 05, 2014 7:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Luxury and Happiness
Replies: 141
Views: 8059

Re: New water heater needed - local plumber or Home Depot, L

The Home Depot GE "Best" version I bought and had installed by Home Depot contractors with lifetime warranty leaked at less than 4 years. It was a Friday morning before a three day weekend. The number I had to call for "lifetime warranty" service was in India and they claimed the...
by MnD
Wed Jun 04, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: New water heater needed - local plumber or Home Depot, Lowes
Replies: 43
Views: 4238

Re: Russell Investments: Something for nothing - TSP G fund

The past total return of the F fund versus the G fund has more to do with the past direction of interest rates versus some inherent risk/reward proposition. The current yield on the G fund is higher than that of the F fund. That's not surprising since the G fund is indexed to securities all with 4 o...
by MnD
Wed Jun 04, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: Russell Investments: Something for nothing - TSP G fund
Replies: 15
Views: 1022

Re: Quality of small-value stocks

but from a few whose websites I looked up, particularly the ones with the smaller weightings in the index, they appeared to be either going out of business, or to have not bothered updating their websites since 2001. One I looked at had a website that only had information for investor relations, co...
by MnD
Tue Jun 03, 2014 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: Quality of small-value stocks
Replies: 31
Views: 2243

Re: Improving the TSP [for current participants]

Reduce the funds to 4: Total Stock Market (all cap US) Total International Stock Market (all country all cap ex-US) Government securities (no change to existing G Fund) Corporate Bond Fund (intermediate term corporate only bond fund) Increase withdrawal options to current industry standards. Looks ...
by MnD
Tue Jun 03, 2014 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 29
Views: 3207

Re: Improving the TSP [for current participants]

Reduce the funds to 4:
Total Stock Market (all cap US)
Total International Stock Market (all country all cap ex-US)
Government securities (no change to existing G Fund)
Corporate Bond Fund (intermediate term corporate only bond fund)

Increase withdrawal options to current industry standards.
by MnD
Tue Jun 03, 2014 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the TSP [for current participants]
Replies: 29
Views: 3207

Re: Are hybrid cars a good idea yet?

Not as good an idea as they were a few years ago. On our 2010 Altima Hybrid we bought in late 2009 we got the federal hybrid tax credit, a big state hybrid tax credit, the federal new car tax deduction, and a manufacturers rebate that was much larger than on the non-hybrid version. All the credits a...
by MnD
Thu May 29, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Are hybrid cars a good idea yet?
Replies: 105
Views: 8083

Re: Can we defend a 4% Safe Withdrawal Rate?

I'm very comfortable with it. I like reading all the posts about - "how clearly in this new environment, going forward, unlike the more prosperous past the grim future ahead dictates......" That makes me more comfortable with it in fact. I love the smell of investment fear in the morning. ...
by MnD
Mon May 26, 2014 10:50 am
 
Forum: Investing - Theory, News & General
Topic: Can we defend a 4% Safe Withdrawal Rate?
Replies: 62
Views: 5474

Unimpressed with Fidelity customer service - Brokeragelink

So had a trading problem on a specific mutual fund purchase with the 401-K Brokeragelink option where you can trade just about anything within a brokerage sub-account. First secure message I sent with category "trading" and a clear detailed title obviously wasn't read by the customer servi...
by MnD
Wed May 21, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Unimpressed with Fidelity customer service - Brokeragelink
Replies: 6
Views: 519

Re: When did you tell your children how much you had amassed

18 and 20 (started last year). I now do a verbal plus computer screen "annual report" for Mrs. MnD and the kids going through each account, what they are for, where they are located, how they performed in the prior year what the individual balances are and the total change and balance. Whe...
by MnD
Wed May 21, 2014 1:31 am
 
Forum: Investing - Help with Personal Investments
Topic: When did you tell your children how much you had amassed
Replies: 135
Views: 10918

Re: TSP and Vanguard Retirement Investment Advice

Simple: TSP(70%) TSP L 2050 Roth IRA(30%) Vanguard Target 2055 The TSP does not have emerging markets or small cap international stocks or any way to tilt to US small cap value So if you want to get fancy and index the world in somewhat the proper proportion and throw in a small cap value tilt..... ...
by MnD
Tue May 20, 2014 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard Retirement Investment Advice
Replies: 23
Views: 2771

Re: Do I plan for NO Social Security

I plan for 100%. The 2035 date or whatever is meaningless. It will be a drag on the general revenue of government much earlier than that the second it goes negative cash flow (which it did during the great recession) and congress simply passed a law to keep the checks rolling. By the time the OP re...
by MnD
Sun May 18, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Do I plan for NO Social Security
Replies: 42
Views: 2803

Re: Do I plan for NO Social Security

I plan for 100%. The 2035 date or whatever is meaningless. It will be a drag on the general revenue of government much earlier than that the second it goes negative cash flow (which it did during the great recession) and congress simply passed a law to keep the checks rolling. By the time the OP ret...
by MnD
Sat May 17, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: Do I plan for NO Social Security
Replies: 42
Views: 2803

Re: why do investors keep buying actively managed funds?

why do investors keep buying actively managed funds? I like money. DODGX 26 years DODFX 13 years - since inception FGCKX 7 years and adding soon - DODLX I'm 80% index but if anyone wants to make the case as to why I went wrong with the above picks and what index funds I should replace them with - p...
by MnD
Sat May 17, 2014 10:25 am
 
Forum: Investing - Theory, News & General
Topic: why do investors keep buying actively managed funds?
Replies: 104
Views: 7096

Re: why do investors keep buying actively managed funds?

why do investors keep buying actively managed funds? I like money. DODGX 26 years DODFX 13 years - since inception FGCKX 7 years and adding soon - DODLX I'm 80% index but if anyone wants to make the case as to why I went wrong with the above picks and what index funds I should replace them with - pl...
by MnD
Sat May 17, 2014 12:50 am
 
Forum: Investing - Theory, News & General
Topic: why do investors keep buying actively managed funds?
Replies: 104
Views: 7096
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