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by TimesAWastin
Sun Feb 01, 2015 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Mysterious Fees in my 401(k)
Replies: 14
Views: 1410

Re: Mysterious Fees in my 401(k)

So it turns out it was actually an error. Fidelity should not have charged the fee to us, but to the company. Thanks everyone. :-)
by TimesAWastin
Fri Jan 30, 2015 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Mysterious Fees in my 401(k)
Replies: 14
Views: 1410

Re: Mysterious Fees in my 401(k)

What a crock. Well, I'm going to write a sternly-worded letter to the CEO. 8-)
by TimesAWastin
Fri Jan 30, 2015 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Mysterious Fees in my 401(k)
Replies: 14
Views: 1410

Mysterious Fees in my 401(k)

I logged into my 401(k) website today and noticed some fees I have never seen before dated 01/28/2015. For each fund I own there (3 funds, each Vanguard index funds), I was charged a "Recordkeeping Fee" in proportion to the size of the holding. The size of the fee was paltry, e.g. $1.66 on...
by TimesAWastin
Fri Jan 16, 2015 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Over-Contribution w/ Match
Replies: 1
Views: 231

401k Over-Contribution w/ Match

I changed employers a couple months ago, kinda. I transferred to a sibling company. Both companies were under a larger umbrella and as such I remained under the same benefits plans including the 401k. As part of the transfer, the amount I had paid into the 401k plan was carried over from company A a...
by TimesAWastin
Fri Jan 16, 2015 4:13 pm
Forum: Investing - Theory, News & General
Topic: Inflation Rate: Dec/Dec or Average Annual?
Replies: 3
Views: 426

Inflation Rate: Dec/Dec or Average Annual?

I noticed that the inflation calculator at http://www.usinflationcalculator.com/inflation/current-inflation-rates/ quotes the inflation rate for 2014 as the December 2014 over December 2013 rate (~0.8%). If you compare the annual average CPI-U for 2014 to 2013, the rate was double that at 1.6%. If I...
by TimesAWastin
Wed Jan 14, 2015 9:04 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 357
Views: 49580

Re: Rick Ferri looking to internationalize his portfolio

It's worth noting what those two funds goals are.

Global Equity (VHGEX) is a global fund and invests about 40% of assets in US-based companies.
International Explorer (VINEX) focuses on small companies.

They're not exactly fair comparisons to the all-cap ex-USA indices.
by TimesAWastin
Mon Dec 22, 2014 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 9878

Re: Most/Least Boglehead 2014 Activity?

Most: Maxing out both mine and my wife's Roth IRAs, and maxing out my 401k, all invested in Vanguard index funds, and converting my wife's investment account from a smattering of actively managed funds at American Funds to Vanguard indexed funds. At this point we basically have a 3 fund portfolio: E...
by TimesAWastin
Sat Dec 20, 2014 1:25 am
Forum: Investing - Theory, News & General
Topic: Outperforming vs Underperforming Investors in 2014
Replies: 14
Views: 2467

Re: Outperforming vs Underperforming Investors in 2014

I suspect anyone who had little to no international did well this year. *ducks* Yep.. my total-world market-weight AA didn't do well. Dollar-weighted the return was about 5%. My biggest contribution of the year came in May as bonus checks cleared and birthday gifts came in and I just lump summed in...
by TimesAWastin
Thu Nov 13, 2014 11:06 am
Forum: Investing - Theory, News & General
Topic: what is the actual value of my tax deferred accounts?
Replies: 53
Views: 4672

Re: what is the actual value of my tax deferred accounts?

I did a mock tax return for myself 30 years older and with my conservative retirement goals. I factored in SS, what I expect to need in retirement, etc., and looked at what my net income for the year would be and adjusted until it met what I expect to need. At the end of the day I figured that my ta...
by TimesAWastin
Tue Nov 11, 2014 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: 25 y.o. -- Is it "rebalancing" if I've never "balanced"?
Replies: 9
Views: 2168

Re: 25 y.o. -- Is it "rebalancing" if I've never "balanced"?

Is there a reason you want only 10-20% in international? I have 50% in myself and global market cap is around 55% if I remember right. It was around that in the recent past but currently it's pretty much 50/50 with the edge going to US. My own spreadsheet which uses the market weights from S&P ...
by TimesAWastin
Fri Nov 07, 2014 11:19 am
Forum: Investing - Theory, News & General
Topic: The Sell in May and go away myth, why does it persist
Replies: 15
Views: 2382

Re: The Sell in May and go away myth, why does it persist

Maybe because it rhymes which makes it easy to remember? Repeat something often enough, and people will start believing it's true. That could have a lot to do with it. Daniel Kahneman's book "Thinking Fast and Slow" talks about research where various slogans were found to be more agreeabl...
by TimesAWastin
Thu Nov 06, 2014 4:55 pm
Forum: Investing - Help with Personal Investments
Topic: 22, I want to be rich, looking for a high reward fund
Replies: 67
Views: 7282

Re: 22, I want to be rich, looking for a high reward fund

Indexing is the way to go for non-gamblers. But, it sounds like you want to gamble and time the market. You won't find much support for that here, I'm afraid. Bogleheads are turtles. You can pour everything into high-risk sectors and hope for the best ("Why not 100% emerging markets?") but...
by TimesAWastin
Thu Nov 06, 2014 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement, Mortgage, & Savings Help
Replies: 7
Views: 940

Re: Retirement, Mortgage, & Savings Help

1. Are you tied to buying? SoCal, as you mentioned, is expensive and you don't get a lot for your money. Are you planning to stay forever? If not, consider either renting and stashing that downpayment to let it grow (either for retirement or a future home purchase), or consider something like a Pen...
by TimesAWastin
Thu Nov 06, 2014 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement, Mortgage, & Savings Help
Replies: 7
Views: 940

Re: Retirement, Mortgage, & Savings Help

4. No. Why would you? What's the purpose of this investment? In the accumulation phase, the word "sell" shouldn't really be in your vernacular, particularly for TLH purposes... Rather than selling to adjust your AA, why not just tweak your contributions and buy in other places to get in b...
by TimesAWastin
Thu Nov 06, 2014 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement, Mortgage, & Savings Help
Replies: 7
Views: 940

Retirement, Mortgage, & Savings Help

I'd like to look at asset location, selection, and explore some options for mid-near term goals for my wife and I as well as any worth-while year-end tax moves (see her taxable). First, our current status: Emergency Funds : 5 months (~$20,000) ⋅  2 months in cash savings (tier 1) ⋅&nb...
by TimesAWastin
Tue Nov 04, 2014 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Morbid Question
Replies: 28
Views: 4251

Re: Morbid Question

I have zero interest in lots of things. If it's something I need to know, I will learn enough to do a reasonable job at it. I have no interest in cooking. But my wife works part time (a few nights per week) and the kids need to eat. So I know how to make a few healthy meals the kids like. I have no...
by TimesAWastin
Fri Oct 31, 2014 11:31 am
Forum: Personal Consumer Issues
Topic: OpenOffice GetQuote extension is gone. Alternatives?
Replies: 11
Views: 1702

OpenOffice GetQuote extension is gone. Alternatives?

The website for this extension was at http://getquote-tedsoft.blogspot.ca/, but now there is only a message that the blog has been deleted. I can't find any mirrors for the extension. I am aware of the extension which adds GETPRICE, but that is only for the latest price. Is anyone aware of an OpenOf...
by TimesAWastin
Tue Oct 28, 2014 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HSA (hsa seems too good to be true)
Replies: 24
Views: 3043

Re: PPO vs HSA (hsa seems too good to be true)

I'm keeping an eye on this as well as our annual benefits election period is kicking up in a couple weeks. The HSA option seems like the right one. The last year with an HMO/FSA combo has been painful, albeit cheap. We put aside $1,200 into our FSA and are now looking for reasons to use the remainin...
by TimesAWastin
Tue Oct 28, 2014 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Indexed Universal Life Insurance - Again ...
Replies: 58
Views: 6107

Re: Indexed Universal Life Insurance - Again ...

Is it uncouth to necro a year-old thread? I'm curious how this panned out, Helot. I was recently approached by a friend about IUL, which lead me here eventually after reading a few other threads. He's an old friend of my wife's but I've known him for a year or so and he's a good guy. He linked me co...
by TimesAWastin
Tue Oct 28, 2014 4:46 pm
Forum: Personal Finance (Not Investing)
Topic: Leave Bank of America and give up perks?
Replies: 9
Views: 1157

Re: Leave Bank of America and give up perks?

Don't forget that there are pretty easy-to-hit limits on those cash back rewards, esp. when it comes to groceries or gas (if they drive a lot). Things like "3% cash back on gas and 2% on groceries on the first $5,000 spent combined per quarter", so read the fine print to do the calculation...
by TimesAWastin
Tue Oct 28, 2014 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Most financially economical choice for a car
Replies: 53
Views: 5189

Re: Most financially economical choice for a car

I envy whoever gets to buy my car when Life decides it's time to switch to something with a back seat. '06 Mustang @ 50k miles and it still has that smell. I doubt it'll hit 75k before its 10th birthday. I've taken good care of it. How about option 4) You find someone like me who bought a hot car br...
by TimesAWastin
Tue Oct 28, 2014 3:24 pm
Forum: Investing - Theory, News & General
Topic: A Backtest of the Dividend Growth Model, 1871-2010
Replies: 70
Views: 5146

Re: A Backtest of the Dividend Growth Model, 1871-2010

How do the results correlate if you start offsetting the start point by a year? The decade from 1996-2005 may look very different than the decade from 1990-1999, for example.

Set 1 is 1871-1880,1881-1890,...
Set 2 is 1872-1881,1882-1891,...
And so on
by TimesAWastin
Tue Oct 28, 2014 3:16 pm
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 51
Views: 4648

Re: Checking monthly - may not even notice the October "cras

I usually update my spreadsheet on the 1st of every month... Looks like when I update it on Nov 1st, there's a good chance it won't even register all the craziness of the last 3 weeks, even though the news and even the Boglehead forum had tons of shows and posts about the "crash" To that,...
by TimesAWastin
Wed Oct 08, 2014 3:46 pm
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 32430

Re: When people put all their eggs in the wrong basket

You know, I read the news about this the other day and it didn't even occur to me to think of it in a market context. I don't know why. Then I popped by BH today and, damn! Reading some of the quotes from that thread reminded me of this doc I watched a while ago about Enron and specifically the stor...
by TimesAWastin
Fri Aug 29, 2014 3:39 pm
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 7160

Re: Does anyone have 'Lazy Portfolios'?

My porfolio is indeed lazy. Pretty much 3 fund.. 401k has different options than my Roth, but all the funds serve 1 of 3 purposes: US Stock Index (S&P 500 / Completion or TSM), International Stock Index, and Short-Term Bond Index. At some point I reasoned that I am currently too young to bother ...
by TimesAWastin
Thu May 08, 2014 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Bill Pay
Replies: 18
Views: 1432

Re: Chase Bill Pay

This seems par for the big banks. With Bank of America, they keep statements online for 1 year. I've requested older statements before and they sent them to me no hassle and no charge, even after I had closed all my accounts with them. But those were paper copies, quite more difficult to search. PDF...
by TimesAWastin
Thu Apr 03, 2014 12:55 pm
Forum: Investing - Theory, News & General
Topic: Great Finance History Book
Replies: 33
Views: 4339

Re: Great Finance History Book

lazyday wrote:Thanks for the response.

Just bought Thinking Fast and Slow $3, thanks nisi.


Working through this one myself lately. It's excellent. :-)
by TimesAWastin
Thu Apr 03, 2014 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Morningstar X-ray tool is not accurate?
Replies: 4
Views: 438

Re: Morningstar X-ray tool is not accurate?

I ran a quick instant x-ray on those two funds, 50/50.

60% x 50% + 35% x 50% = 47.5% bonds would be expected.

Result: 37% US Stocks, 13% Foreign Stocks, 48% bonds, 2% cash, 1% other.

Looks to me to be about right.
by TimesAWastin
Thu Apr 03, 2014 11:40 am
Forum: Personal Finance (Not Investing)
Topic: And suddenly, I'm done...
Replies: 24
Views: 5158

Re: And suddenly, I'm done...

Cut-Throat wrote:Congrats on your Retirement! :happy

Well, retirement from stressing about the structure of our savings.. I've still got another 30-35 years of working to go. ;-) But at least now I can focus on that instead.

Cut-Throat wrote:Ours was this year also!

But congratulation on yours nevertheless! :-D
by TimesAWastin
Thu Apr 03, 2014 11:25 am
Forum: Personal Finance (Not Investing)
Topic: And suddenly, I'm done...
Replies: 24
Views: 5158

And suddenly, I'm done...

Not a question or anything, just sharing a fleeting feeling of accomplishment. At the start of the year, and after having gathered feedback from Bogleheads on various financial questions I had, I laid out a plan to restructure our retirement, savings, and other finances. There was a lot to do: pay o...
by TimesAWastin
Thu Apr 03, 2014 11:14 am
Forum: Personal Consumer Issues
Topic: Boglehead Cruise Line Preference
Replies: 57
Views: 7380

Re: Boglehead Cruise Line Preference

I've only been on one cruise and it was a Princess cruise from Seattle to Alaska and back. I'd do it again and again and again, it was wonderful. We got tickets at the last minute for a great discount; it was actually cheaper to go on the 10-day cruise and pay for storage rental, than to pay month-t...
by TimesAWastin
Thu Apr 03, 2014 10:23 am
Forum: Investing - Theory, News & General
Topic: Fibonacci numbers: has Cramer lost his mind?
Replies: 20
Views: 2075

Re: Fibonacci numbers: has Cramer lost his mind?

Nostradamus predicted it:

In the age of the vague reference
The other one takes no meaning
Forget what you knew


:oops:
by TimesAWastin
Mon Mar 31, 2014 10:18 am
Forum: Investing - Theory, News & General
Topic: 60 Minutes 3-30-14: Michael Lewis book "Flash Boys"
Replies: 70
Views: 4409

Re: 60 Minutes 3-30-14: Michael Lewis book "Flash Boys"

Just finishing up Lewis' The Big Short. Very much looking forward to Flash Boys.. thanks for posting this! :-)
by TimesAWastin
Fri Mar 28, 2014 10:34 pm
Forum: Investing - Theory, News & General
Topic: Winners of 2013: Boring Investors
Replies: 14
Views: 2722

Re: Winners of 2013: Boring Investors

Just happen to stumble across this old thread - as I've been wondering if my Wellesley VWINX was the right way to go for it's cushion of bonds in the bad times.... vs going more into the equity casino with Wellington VWELX. Seems a little tilted with Wellington being a 70/30 mod alloc fund and turn...
by TimesAWastin
Fri Mar 28, 2014 10:50 am
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 81
Views: 10007

Re: New Housing Bubble and upcoming cycle peak

Out here in west Los Angeles it is out of hand. There's a neighborhood that's been in development since 2005/2006 called Playa Vista. I rented there for a couple years but last year they wanted to jack up my rent by 8%, so I moved. In 2007 they had to stop development of the area, because 2007, so f...
by TimesAWastin
Thu Mar 20, 2014 1:48 pm
Forum: Investing - Theory, News & General
Topic: Why did Bond Funds take a beating...
Replies: 39
Views: 3760

Re: Why did Bond Funds take a beating...

jackpistachio wrote:Who knows what yields lurk in the minds of the Fed? The Market knows! :twisted:

Wonderful. Memories of Sunday nights working the midnight shift at a gas station, the local classic rock radio station would play classic radio plays for a few hours.
by TimesAWastin
Tue Mar 18, 2014 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: No Foreign Transaction Fee, No Annual Fee
Replies: 33
Views: 45192

Re: No Foreign Transaction Fee, No Annual Fee

Schwab refunds international ATM fees on debit cards.. that's an option as well.
by TimesAWastin
Tue Mar 18, 2014 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Foreign tax credit, and Roth IRA
Replies: 7
Views: 490

Re: Foreign tax credit, and Roth IRA

Also no tax credit for fund-of-funds, for example holding a target retirement fund which holds total international stock index... no credit there, even in taxable. This changed recently. Funds of funds are now eligible for the foreign tax credit. http://www.bogleheads.org/wiki/Fund_of_funds 2013 fo...
by TimesAWastin
Tue Mar 18, 2014 2:24 am
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund Exchange
Replies: 9
Views: 1240

Re: Wellington Fund Exchange

I felt the need to add this. Maybe because it's late and I'm sleep deprived. As an example, looking at Wellington's distributions you can see that it was not very tax efficient. Let's say you had 1,000 shares of Wellington on 3/26/2013 (value: $35,920). For argument's sake, you bought the fund right...
by TimesAWastin
Tue Mar 18, 2014 2:02 am
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund Exchange
Replies: 9
Views: 1240

Re: Wellington Fund Exchange

Wouldn't wellington in taxable get charged tax yearly, as it's a mutual fund and not an ETF? There are taxes paid on distributions for stocks, mutual funds, and ETFs. You might find a stock, mutual fund, or ETF which does not pay any dividends.. that's very rare for funds and ETFs though. Every tim...
by TimesAWastin
Tue Mar 18, 2014 1:24 am
Forum: Investing - Help with Personal Investments
Topic: Foreign tax credit, and Roth IRA
Replies: 7
Views: 490

Re: Foreign tax credit, and Roth IRA

Nope. To get the tax credit it must be in a taxable account. Also no tax credit for fund-of-funds, for example holding a target retirement fund which holds total international stock index... no credit there, even in taxable.
by TimesAWastin
Tue Mar 18, 2014 1:23 am
Forum: Investing - Help with Personal Investments
Topic: Looking for help on 401K
Replies: 14
Views: 549

Re: Looking for help on 401K

56% - SPTN 500 INDEX ADV (0.05%) 24% - SPTN INTL INDEX ADV (0.12%) 20% - DREY BD MKT IDX BSC (0.15%) (This is 80% stocks and 20% bonds.) Seconded. Also to add the US/International split is 70/30 of equities. Great place to start. Set up your auto-contribution to those, take advantage of an annual r...
by TimesAWastin
Mon Mar 17, 2014 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Meeting with a financial adviser
Replies: 45
Views: 5237

Re: Meeting with a financial adviser

Thank you all for your feedback. OP - in order to digest the information in this thread - you will know enough or at least be well on your way to knowing enough - to just manage the portfolio yourself. Yep that pretty much sums it up. :-) So, I had said meeting with the adviser. Very nice guy, seems...
by TimesAWastin
Thu Mar 13, 2014 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Splitting hairs on fund location
Replies: 5
Views: 626

Re: Splitting hairs on fund location

Good tips, thank you both. Yeah, over-analyzing things can be fun, as my mountains of spreadsheets for what boils down to a 3-fund portfolio can attest to. ;-) I think the right approach for me is as The Dan suggests. VTSAX in one, VTIAX in the other, for now, and use the 401k to maintain overall ba...
by TimesAWastin
Wed Mar 12, 2014 7:43 pm
Forum: Investing - Theory, News & General
Topic: Cost Basis Questions
Replies: 0
Views: 250

Cost Basis Questions

When a fund has a deferred sales charge, how does that affect the cost basis? I'm looking at a fund which had a sales load. Most of that was up-front but later on down the line when a certain requirement wasn't meant there was an additional sales charge applied. Consider these transactions of a fict...
by TimesAWastin
Wed Mar 12, 2014 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Splitting hairs on fund location
Replies: 5
Views: 626

Splitting hairs on fund location

I'm suffering analysis paralysis. The bulk of my savings will be in my 401k. My stock AA is 50/50 US/Non-US. My decision right now is trying to place funds in the appropriate places. My account balances at the moment are not large but large enough that, if I focus on a single fund in each Roth accou...
by TimesAWastin
Tue Mar 11, 2014 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Money issues - people take me for granted
Replies: 74
Views: 5488

Re: Money issues - people take me for granted

You may be surprised how people react when you set boundaries. Some will flame out and fade away, others will gain respect for you. You'll learn who is worth keeping around.
by TimesAWastin
Mon Mar 10, 2014 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: What do you do if your fun allocation disappears?
Replies: 20
Views: 1399

Re: What do you do if your fun allocation disappears?

It's a good question. I think that there are so many questions about implementation is a hint that it's not an appropriate item to consider in one's allocation. What I decided for myself is that I wouldn't think of such a thing in terms of a percentage allocation of my overall portfolio. The percent...
by TimesAWastin
Mon Mar 10, 2014 3:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Minimum Investment Question
Replies: 23
Views: 1934

Re: Vanguard Minimum Investment Question

I just thought your expense ratio was a percent taken out of your balance irregardless of how much you had. Can you explain? I just started investing a month ago and am still learning simple concepts. Thanks. That's not exactly how it works. A load fee is something which is taken out of your balanc...
by TimesAWastin
Fri Mar 07, 2014 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Joint or Separate Accounts? - Married Couples
Replies: 82
Views: 4337

Re: Joint or Separate Accounts? - Married Couples

I'm getting married in a few months and we recently designed our system. For cash flow we did this: We each have an individual checking and savings account, and we also have a joint checking and joint savings account. Virtually everything is done through the joint accounts. We agreed on a dollar amo...

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