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Re: Canadian RRSP

This drip-by-drip approach to getting the data isn't useful in analyzing the situation, nor is a comprehensive public data dump wise from a privacy point of view. In the end, your wife will have to make this decision on her own. Canada wants, at a minimum, 15% of her RRSP. That's the trade for the ...
by airahcaz
Mon Apr 13, 2015 6:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Canadian RRSP
Replies: 37
Views: 3803

Re: AAPL

Does this exceed expectations? Despite middling reviews, the Apple (NASDAQ:AAPL) Watch got off to a solid start Friday, with U.S. pre-orders topping one million, according to shopping data firm Slice Intelligence. Some 957,000 people in the U.S. ordered an Apple Watch on the first day the smartwatch...
by airahcaz
Sun Apr 12, 2015 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 215
Views: 47679

Re: How does this site make money?

The real story behind all this is the selflessness of the owners of this site. This is a million dollar a year site they have simply decided not to monetize. A bit like Jack Bogle that way. He gave "his" company away to its clients. And the information on here is by far the most current a...
by airahcaz
Sun Apr 12, 2015 10:24 am
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5368

Re: How does this site make money?

A note on Payal. Larry and I have kept Bogleheads.org non-commercial, but it is not a charity. So Paypal takes its standard cut of 2.9% and a 30 cent transaction fee from every transaction, regardless of whether you do it by balance transfer or credit card. Which, incidentally, is why Paypal pushes...
by airahcaz
Sat Apr 11, 2015 9:09 pm
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5368

Re: How does this site make money?

goingup wrote:Cue the donation page information.. https://www.bogleheads.org/support.php

Thanks for the reminder. I'm going to PayPal right now to contribute for the ongoing care and feeding of this wonderful, informative site!



PayPal donation sent.
by airahcaz
Sat Apr 11, 2015 11:03 am
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5368

How does this site make money?

Quite literally, Bogleheads have been the best this since sliced bread for me and many others, so much so that I'd be willing to pay. How are moderators paid? How does the site make $?

Thanks
by airahcaz
Sat Apr 11, 2015 8:08 am
 
Forum: Forum Issues and Administration
Topic: How does this site make money?
Replies: 39
Views: 5368

Re: Canadian RRSP

This drip-by-drip approach to getting the data isn't useful in analyzing the situation, nor is a comprehensive public data dump wise from a privacy point of view. In the end, your wife will have to make this decision on her own. Canada wants, at a minimum, 15% of her RRSP. That's the trade for the ...
by airahcaz
Sat Apr 11, 2015 7:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Canadian RRSP
Replies: 37
Views: 3803

Re: Will you buy an Apple Watch?

Have to admit my impulse purchase, just put in online order for the watch, 42mm with classic black leather buckle. Not sure exactly why, but liked the health monitor features including heart beat and hope they get a golf course app showing distance to greens. Suspect that I will end up giving it to...
by airahcaz
Fri Apr 10, 2015 7:26 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 351
Views: 21272

Re: Will you buy an Apple Watch?

I'm going to bet that 1/4 to 1/2 the folks here who have a compatible iphone, and state that they will not buy an Apple Watch, will indeed have one in 18 months.
by airahcaz
Thu Apr 02, 2015 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 351
Views: 21272

Re: Baby Grand Piano

The best choice for non-professional pianist is Yamaha's hybrid piano if money is not an issue. It uses acoustic piano action mechanism with digitized sound of Steinway 9-foot concert grand piano. It looks and finishes like an acoustic piano but without strings. It has the best of both world. You c...
by airahcaz
Wed Apr 01, 2015 9:41 pm
 
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 2988

Re: Baby Grand Piano

MossySF wrote:Seems like quite a big step to go from "very little piano knowledge" to owning a $30K Steinway grand.


I'm not buyIng a Steinway.
by airahcaz
Mon Mar 30, 2015 8:05 pm
 
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 2988

Re: Baby Grand Piano

I have to say, digital pianos are amazingly good now. Unless you're a top-flight pianist, a digital piano in the $2k range is more than you will ever need and is maintenance free, and nowadays, often even light enough to be moveable by one person (such as if you decide to sell it down the road - di...
by airahcaz
Mon Mar 30, 2015 12:27 pm
 
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 2988

Re: Baby grand piano decision

Whichever sounds and plays better and that's a personal preference. Also since Boston is a Steinway brand, it's made by Kawai so maybe you can look into their lineup as well. That said, I'm fascinated by the Yamaha Transacoustic GC1TA and the Silent Piano model of the GC1. Both you to play silently...
by airahcaz
Sun Mar 29, 2015 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 2988

Re: Baby Grand Piano

@airahcaz, it seems like you've transitioned in this thread from asking for general advice to specifically questioning the discount versus MSRP for a new Yamaha GC1. I'll be the third person (I think) to recommend you slow down & thoroughly read Larry's Fine's excellent book on piano buying. My...
by airahcaz
Sun Mar 29, 2015 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 2988

Re: Baby grand piano decision

Of the two brands you mentioned, I have typically preferred Yamahas. I played a Yamaha grand at a church for a few years and it was very nice. Great action, touch and sound. If you're looking for different ideas, Estonia 168's are very nice, and they're usually a decent price as well. I'm pretty su...
by airahcaz
Sun Mar 29, 2015 2:14 pm
 
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 2988

Re: Cancellation of debt on primary turned rental

Details are important. 1. What state? NJ 2. Purchase money loan or refi? PM In my state (CA) purchase money mortgages aren't subject to "debt cancellation" 1099s because the only recourse a lender has is the property. Therefore if a property goes through foreclosure and it sells for less ...
by airahcaz
Sun Mar 29, 2015 7:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Cancellation of debt on primary turned rental
Replies: 5
Views: 472

Re: Cancellation of debt on primary turned rental

Can you provide more details? Such as? There are many examples. A loan modification, foreclosure, etc., whereby debt is cancelled by the mortgage company and a 1099-C is produced for a Cancellation of Debt, considered as income by the IRS. However, the Mortgage Relief Act allows for an exclusion of...
by airahcaz
Sat Mar 28, 2015 6:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancellation of debt on primary turned rental
Replies: 5
Views: 472

Cancellation of debt on primary turned rental

What happens if debt is cancelled on a primary residence that was lived in for 4.5 of the past 5 years and was a rental for the last 6 months? Does it still qualify for the exclusion of canceled debt from income as a qualified principal residence indebtedness? Moderator please place in appropriate f...
by airahcaz
Sat Mar 28, 2015 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cancellation of debt on primary turned rental
Replies: 5
Views: 472

Re: 4 Fund Portolio without bonds

Well one thing I disagree with is seeing risk in terms of whether or not you beat the market .. I think it's a strange habit of our benchmark-obsessed age .. The risk today - with US equities at historically high valuations - is that the S&P500 experiences >15 years of weak or negative returns ...
by airahcaz
Tue Mar 24, 2015 1:32 pm
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2697

Re: 4 Fund Portolio without bonds

So more risk (mixing/tilting) for "potentially" slightly more reward is perhaps a risk that is not necessarily linearly proportionate and thus not worth taking? Perhaps. Perhaps not. Some of us feel that it is. I don't mind being at the end of the efficient frontier at this point in my li...
by airahcaz
Tue Mar 24, 2015 10:26 am
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2697

Re: 4 Fund Portolio without bonds

This is a classic apples to oranges comparison. :oops: Risk adjusted, either by some mathematical calculation or by holding more bonds and doing a whole portfolio comparison, these have still been better than total market or S&P 500. It still stands that the extra risk is frequently ignored in ...
by airahcaz
Tue Mar 24, 2015 9:41 am
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2697

Re: 4 Fund Portolio without bonds

And the layman's summary translation is? Educate yourself on the fundamentals of investing but not by reading Merriman, at least not articles like that one. Indeed am trying to follow and be even more educated, standard deviation and Sharpe aside, is it that there is inherently more risk by deviati...
by airahcaz
Tue Mar 24, 2015 8:26 am
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2697

Re: 4 Fund Portolio without bonds

This is a classic apples to oranges comparison. :oops: Risk adjusted, either by some mathematical calculation or by holding more bonds and doing a whole portfolio comparison, these have still been better than total market or S&P 500. It still stands that the extra risk is frequently ignored in ...
by airahcaz
Tue Mar 24, 2015 7:06 am
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2697

Baby grand piano decision

[OP posted this as a new thread, I merged it here - admin alex] Yamaha like a GC1 or Boston like a 156? Piano folks will know the question, so looking for their input. New about the same I think. Similarly, used prices across both are close. Or any other thoughts, like Baldwin, etc... For argument ...
by airahcaz
Sun Mar 22, 2015 2:37 pm
 
Forum: Personal Consumer Issues
Topic: Baby Grand Piano
Replies: 42
Views: 2988

Re: Piano shopping (full sized upright)

After a lengthy financial recovery over the past two years, my emergency fund is finally fully funded, I'm on track with retirement savings, and have turned my interest back to one of my passions - music. I studied piano for a number of years and minored in music. It's brought me great joy, but for...
by airahcaz
Sun Mar 22, 2015 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Piano shopping (full sized upright)
Replies: 40
Views: 2913

Re: 4 Fund Portolio without bonds

This is a classic apples to oranges comparison. :oops: Step 1: Easy construction Portfolio A: The magical S&P 500 index, which for some reason is what everyone compares every single investment too. Ever. Portfolio B: Just about any portfolio of stocks with more volatility than the S&P 500 i...
by airahcaz
Sun Mar 22, 2015 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2697

Re: 4 Fund Portolio without bonds

You can read here: https://www.bogleheads.org/wiki/Value_tilting_-_stock This is a topic that tends to have phases of intense discussion here on the forum. There are many, many threads that have been here in the past. I would delve into some of the references in the above Wiki and also look up what...
by airahcaz
Sun Mar 22, 2015 11:01 am
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2697

Re: 4 Fund Portolio without bonds

You can read here: https://www.bogleheads.org/wiki/Value_tilting_-_stock This is a topic that tends to have phases of intense discussion here on the forum. There are many, many threads that have been here in the past. I would delve into some of the references in the above Wiki and also look up what...
by airahcaz
Sun Mar 22, 2015 10:56 am
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2697

Re: 4 Fund Portolio without bonds

What's the major differentiation vs TSM, a tilt towards small caps?
by airahcaz
Sun Mar 22, 2015 8:15 am
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2697

4 Fund Portolio without bonds

Have you folks read this article on a 4 fund portfolio across large and small cap stocks (growth and value) that supposedly handily beats the S&P over a very long period? I know I'm missing something - cause this isn't necessarily like TSM, is it? http://www.marketwatch.com/story/this-4-fund-com...
by airahcaz
Sun Mar 22, 2015 7:08 am
 
Forum: Investing - Theory, News & General
Topic: 4 Fund Portolio without bonds
Replies: 35
Views: 2697

Re: International is disappointing

edge wrote:Doesn't seem like a big deal to me. You should consider this a gut check and question your overall stomach.



Which?
by airahcaz
Sat Mar 21, 2015 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7337

Re: AAPL

Not looking for news, but can someone explain the last minute drop from a reasoning perspective? A big sell order at the close? Possibly caused by options expiration according to the article? What's even odder is the rebound after hours.

http://m.barrons.com/articles/BL-TB-47094
by airahcaz
Fri Mar 20, 2015 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 215
Views: 47679

Re: International is disappointing

William4u wrote:YTD Vanguard Total International Index is up 3.5%.

YTD Vanguard Total Domestic Index is up 1.33%.

I'd stay the course.


Interesting, keeps one grounded, thanks
by airahcaz
Fri Mar 20, 2015 10:12 am
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7337

Re: JumpStart Our Business Startups (JOBS) investments

Is this JOBS investment considered pre-IPO or almost private equity investment for retailers? "TROY, Mich., March 18, 2015 /PRNewswire/ -- Elio Motors today announced it has launched a 506 (c) investment option that will allow accredited investors the opportunity to buy into the revolutionary ...
by airahcaz
Fri Mar 20, 2015 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: JumpStart Our Business Startups (JOBS) investments
Replies: 1
Views: 274

JumpStart Our Business Startups (JOBS) investments

Is this JOBS investment considered pre-IPO or almost private equity investment for retailers? "TROY, Mich., March 18, 2015 /PRNewswire/ -- Elio Motors today announced it has launched a 506 (c) investment option that will allow accredited investors the opportunity to buy into the revolutionary t...
by airahcaz
Thu Mar 19, 2015 6:31 am
 
Forum: Investing - Help with Personal Investments
Topic: JumpStart Our Business Startups (JOBS) investments
Replies: 1
Views: 274

Re: Elio Car

Instead of buying the car, what about investing for $15,000?

http://www.prnewswire.com/news-releases ... 52439.html
by airahcaz
Wed Mar 18, 2015 5:10 pm
 
Forum: Personal Consumer Issues
Topic: Elio Car
Replies: 48
Views: 4985

Re: International is disappointing

Here's a new wrinkle to this thread. VITPX in our 401K has a really low ER of .02%. VANG TOT INTL STK IS (VTSNX) 04/29/1996 Stock Investments Foreign has an ER of 0.12%, or 6x as much. Just a mathematical quibble. The 6x ratio you cite isn't really an important or significant number and it's distra...
by airahcaz
Mon Mar 16, 2015 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7337

Re: International is disappointing

Here's a new wrinkle to this thread. VITPX in our 401K has a really low ER of .02%. VANG TOT INTL STK IS (VTSNX) 04/29/1996 Stock Investments Foreign has an ER of 0.12%, or 6x as much. On a sample $1M portfolio, for argument sake, that is a difference / savings of $1000 annually if one goes all TSM....
by airahcaz
Mon Mar 16, 2015 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7337

Re: Which fund has the lowest MER ever?

Yes, the institutional funds tend to be pretty low ERs. There's A LOT of money flowing through those with all the 401k plans and such out there using them, so even that .02 ER is worth a pretty penny. The minimum to get into the fund mentioned in this one is $200,000,000! :shock: If someone has tha...
by airahcaz
Mon Mar 16, 2015 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: Which fund has the lowest MER ever?
Replies: 11
Views: 892

Re: Which fund has the lowest MER ever?

What is a MER... is that like and Expense Ratio? :happy I believe OP is Canadian but residing in the US. MER is the term used in Canada for Management Expense Ratio. The federal government's TSP has some exceptionally low expense ratios that have been lower than 0.02% but I think even they are betw...
by airahcaz
Mon Mar 16, 2015 11:58 am
 
Forum: Investing - Theory, News & General
Topic: Which fund has the lowest MER ever?
Replies: 11
Views: 892

Which fund has the lowest MER ever?

This institutional TSM fund exists in 401K; I'm sure it's a negotiated MER available to large institutions: VANG IS TL STK MK IP (VITPX) 05/31/2001 Stock Investments Large Cap Blend 0.02% Would one be foolish to give this up? Does anyone have an example of something that is actually lower? .01%?
by airahcaz
Mon Mar 16, 2015 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Which fund has the lowest MER ever?
Replies: 11
Views: 892

Re: 401K leaving employer

Should an investor split the rollover (it is allowed), some to new employer 401K, some to IRA?
by airahcaz
Mon Mar 16, 2015 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: 401K leaving employer
Replies: 25
Views: 1954

Re: 401K leaving employer

The ability to Backdoor and contribute $5500 for 20+ years and incur tax free gains on that 6 figures is a pretty big advantage to forgo. For this alone I suspect it makes sense to either leave in existing 401K or move to new 401K, and not an IRA. All investments being equal, I also suppose it make...
by airahcaz
Sun Mar 15, 2015 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K leaving employer
Replies: 25
Views: 1954

Re: Will you buy an Apple Watch?

One thing that bothers me is by default the time is not displayed. If I can run a full day with the time always showing I will probably buy the sports watch. http://www.apple.com/watch/battery.html None of these times involves having the display on full time, which will likely drain the battery. An...
by airahcaz
Sun Mar 15, 2015 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 351
Views: 21272

Re: 401K leaving employer

The ability to Backdoor and contribute $5500 for 20+ years and incur tax free gains on that 6 figures is a pretty big advantage to forgo. For this alone I suspect it makes sense to either leave in existing 401K or move to new 401K, and not an IRA. All investments being equal, I also suppose it makes...
by airahcaz
Sun Mar 15, 2015 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K leaving employer
Replies: 25
Views: 1954

Re: 401K leaving employer

What if one utilized the Backdoor in January of the same year that one leaves their company and rolls over the 401K to IRA? Should the Backdoor be reversed? Reversal of conversion would avoid the taxes due to prorata calculation but it would not remove the IRA basis. You'd need to undo the TIRA con...
by airahcaz
Sun Mar 15, 2015 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K leaving employer
Replies: 25
Views: 1954

Re: 401K leaving employer

What if one utilized the Backdoor in January of the same year that one leaves their company and rolls over the 401K to IRA?

Should the Backdoor be reversed?
by airahcaz
Sun Mar 15, 2015 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K leaving employer
Replies: 25
Views: 1954

Re: Sell gas station for one dollar

My general thought is it is almost always better to take the pain, and eliminate any residual liability. The other alternative would be to sell the station to someone else, on a vendor mortgage. As long as they stay in business, the friend gets an income. However, that does not free them from liabi...
by airahcaz
Sun Mar 15, 2015 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Sell gas station for one dollar
Replies: 48
Views: 4031

Re: 401K leaving employer

To keep backdooring, don't most 401ks accept reverse rollovers? I expect to, when changing employers: roll OldCo post-tax 401k to Roth IRA roll OldCo pre-tax and earnings in 401k to tIRA reverse roll tIRA to NewCo 401k resume backdoor Roth, although I plan on waiting a year I don't get it. The poin...
by airahcaz
Sun Mar 15, 2015 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: 401K leaving employer
Replies: 25
Views: 1954

Re: 401K leaving employer

Why then, besides creditor protection, would one not roll to an IRA? To be eligible for a backdoor Roth IRA contribution is about the only reason I can think of besides creditor protection. FWIW, I just did my 9th 401k rollover. I now reflexivity rollover my 401k as soon as I leave an employer. I'm...
by airahcaz
Sun Mar 15, 2015 7:55 am
 
Forum: Personal Finance (Not Investing)
Topic: 401K leaving employer
Replies: 25
Views: 1954
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