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Re: Where to buy municipal bonds directly?

I've purchased individual munis directly from Vanguard, just using the search criteria. I also have an Edward Jones account that only hold muni bonds. I've never paid a fee there. There's never been any cash in that account, only the bonds, so no way they can charge me a fee. They mail the interest...
by chipmonk
Wed Oct 08, 2014 1:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Where to buy municipal bonds directly?
Replies: 18
Views: 1506

Re: Spiking HSA Contribution limits

Unless I can figure out how to contribute it in a massive amount at the start of the year, I'll be paying it with after tax dollars. Many recommend you just pay with after tax dollars and let he HSA grow. You really don't have to figure out how to contribute it in a massive amount at the start of t...
by chipmonk
Wed Oct 08, 2014 1:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Spiking HSA Contribution limits
Replies: 10
Views: 1116

Re: Paul Merriman: DFA Better Than Vanguard

I agree with Livesoft and Larry. All those people who thought that a Small Cap Tilt was the Holy Grail are all learning what Jack Bogle means when he says "Most things revert to the mean"..........Gordon I have been small cap tilting for a couple years and don't see any reason to change n...
by chipmonk
Sat Sep 27, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman: DFA Better Than Vanguard
Replies: 13
Views: 2171

Nice interview with WSJ columnist at Vanguard

[Thread merged, see below. --admin LadyGeek] Vanguard has posted a brief but interesting interview with Jonathan Clements of the WSJ. While there's no particularly profound news in the interview, there were a few points that really resonated with me, and I suspect with other Bogleheads as well. I'm...
by chipmonk
Wed Sep 24, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Interview with Jonathan Clements
Replies: 5
Views: 906

Re: Break-even point for HSA account

I did a similar calculation for myself a couple years ago and came to the conclusion that the HSA was an all-but-guaranteed win even if I were to fall into unexpectedly poor health for several years: It's amazing how much variability there can be from employer to employer, with respect to the costs...
by chipmonk
Sun Sep 21, 2014 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Break-even point for HSA account
Replies: 8
Views: 879

Re: Break-even point for HSA account

What I like to do when thinking about HSA decisions is look at the two extremes. One the one end, you have a healthy person with no health care utilization. You can calculate the savings on premiums, the employer contribution, and estimate the tax deduction from making personal HSA contributions, a...
by chipmonk
Sun Sep 21, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Break-even point for HSA account
Replies: 8
Views: 879

Re: How to value house with unwanted tennis court

Your issue will be you see it as a liability and the owner sees it as an asset. "All you have to do is resurface it and it's good as new" he's thinking while you're calling out contractors to get bids on removing it. I can see this being true for sure. The current owner is the guy who bui...
by chipmonk
Sun Aug 17, 2014 12:53 am
 
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 2273

Re: How to value house with unwanted tennis court

It's worth what someone is willing to pay. Your issue will be you see it as a liability and the owner sees it as an asset. "All you have to do is resurface it and it's good as new" he's thinking while you're calling out contractors to get bids on removing it. It's worth whatever you two a...
by chipmonk
Sun Aug 17, 2014 12:49 am
 
Forum: Personal Consumer Issues
Topic: How to value house with unwanted tennis court
Replies: 24
Views: 2273

Re: How would the super wealthy use Credit Unions?

Side note: our office tower has a family office (with a very generic sounding name) that occupies one floor (20000 sf +-) a few levels below us. When people go to that floor, it's straightforward to determine who is a family member and who is an employee. I'm curious what you mean by that, if you d...
by chipmonk
Sun Aug 17, 2014 12:35 am
 
Forum: Personal Finance (Not Investing)
Topic: How would the super wealthy use Credit Unions?
Replies: 11
Views: 1504

Re: Weird implications of a credit card trick

Problem is, the merchant agreement specifically prohibits you from doing this. Interesting. Credit card companies typically prohibit this kind of behavior on the consumer side as well as the merchant side. There's typically some fine print in the contract that says, "we can choose to bill char...
by chipmonk
Sun Aug 17, 2014 12:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Weird implications of a credit card trick
Replies: 11
Views: 2773

Re: Using investments as collateral for low-interest mortgag

I'll suggest that you do a search on "asset depletion loan" for those lenders that would consider your assets to be considered in a manner of increased income from a point of signing a note/mortgage for property you wish to buy. It's often used by those that may be asset rich but income p...
by chipmonk
Mon Jun 09, 2014 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using investments as collateral for low-interest mortgage?
Replies: 5
Views: 364

Re: Using investments as collateral for low-interest mortgag

Borrowing against your own assets to buy real estate doesn't sound a whole lot different than borrowing against your own assets to buy more stocks, a.k.a buying on margin. Based on that similarity, I strongly suspect that all of these deals have a "make good" clause in which if the value ...
by chipmonk
Mon Jun 09, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using investments as collateral for low-interest mortgage?
Replies: 5
Views: 364

Using investments as collateral for low-interest mortgage?

Is there any way to use a Vanguard taxable account in the mid-6-figures as collateral to get a very low-interest-rate mortgage loan? (And if so, is there any reason why this would be a really bad idea that I'm not thinking of?) Background: I was listening to the Slate Money podcast * recently, and t...
by chipmonk
Mon Jun 09, 2014 1:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using investments as collateral for low-interest mortgage?
Replies: 5
Views: 364

Re: Car buying psychology

In most car dealerships, the sales person tries to take up as much time as possible, delay you, and so on. What is the psychological purpose for this? I know it must be part of the sales process, and that they have figured out that it works, but I don't understand how and why the tactic works? Read...
by chipmonk
Mon May 12, 2014 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Car buying psychology
Replies: 30
Views: 2824

Re: Seattle and Portland, OR restaurant recommendations

TnGuy wrote:Also, there is a very good Persian restaurant in Portland named Persian House Restaurant
I forgot about Persia House. +1 to their Salmon jalfrezi (unusual and delicious use of a sauce that more traditionally goes on chicken).
by chipmonk
Tue Apr 29, 2014 7:57 pm
 
Forum: Personal Consumer Issues
Topic: Seattle and Portland, OR restaurant recommendations
Replies: 31
Views: 1399

Re: Seattle and Portland, OR restaurant recommendations

My wife and I will be spending 11 nights combined in Seattle and Portland, OR in July and August. We enjoy a wide variety of cuisines and are looking forward to trying the best that each city has to offer. We are not averse to fine dining but prefer top notch food in a casual environment whenever p...
by chipmonk
Tue Apr 29, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Seattle and Portland, OR restaurant recommendations
Replies: 31
Views: 1399

Re: Expensive hobbies and possessions? (B/c you can...)

What are some expensive hobbies you enjoy? What are some expensive things you own? B/c you're BH but for some things, you want the very best, b/c you can... Running is my most expensive hobby. I spend $5-800/year on shoes and clothes, a similar amount on race entry fees, maybe $500 on occasional tr...
by chipmonk
Tue Apr 01, 2014 5:55 pm
 
Forum: Personal Consumer Issues
Topic: Expensive hobbies and possessions? (B/c you can...)
Replies: 126
Views: 16318

Re: Best smartphone in 2014?

Chipmonk, when you said earlier that Nexus 5 would not work with Verizon LTE bands, I assumed that b/c Verizon is Page Plus's host network, Page Plus was also "Verizon LTE". I obviously don't know a lot about cellular. Thank you for the correction! So I gather I'll have to find someone to...
by chipmonk
Wed Mar 19, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2865

Re: Best smartphone in 2014?

I don't think I'm the only one who is equivocal about the trend towards larger screens: several Android phone makers have introduced "mini" variants of their flagship phones (e.g. Samsung Galaxy S4 Mini) in the last year or so. I actually think you both are saying the same thing. Like Bro...
by chipmonk
Wed Mar 19, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2865

Re: Best smartphone in 2014?

They'll be a couple new iPhone models out this summer with larger screens. The current ones will be chucked by the millions, so they will be pretty cheap then. Besides, once you've used a phone with a larger screen you'll never want one sized like the iPhone again . Not saying you have to get a pha...
by chipmonk
Wed Mar 19, 2014 5:27 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2865

Re: Best smartphone in 2014?

chipmonk, so this would exclude using it on Kitty/Pageplus ? I really want to upgrade my dinosaur flip phone and get a smart phone (although limiting data to wi-fi) and was hoping last fall that the then yet-to-be released Nexus 5 would work. I've been too busy to look since then so I'm disappointe...
by chipmonk
Wed Mar 19, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2865

Re: Best smartphone in 2014?

I now have a Nexus 5, which came out last November. It seems pretty swift, no problems worth mentioning yet, though it's a bit slim and doesn't have quite the battery life I would prefer. Another 0.1" of thickness could have allowed double the battery, I'm guessing. I agree about the Nexus 5. ...
by chipmonk
Wed Mar 19, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2865

Re: Free flights with Credit Card offers

I am curious about playing the credit card game in exchange for frequent-flier miles, but I don't know where to start. I have some basic questions: 1. How do you find out about the new offers? Mostly from http://nerdwallet.com/blog 2. The most lucrative offers require you spending a fair amount on ...
by chipmonk
Mon Feb 24, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Free flights with Credit Card offers
Replies: 19
Views: 1767

Re: Free flights with Credit Card offers

Do you often cycle credit card offers to get free flights (even though it may slightly ding your credit score)? As fast as I can :). I pretty much get a new CC every time there's an interesting bonus available (~$200 cash value is what I'd call "interesting" these days). I can't seem to g...
by chipmonk
Mon Feb 24, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Free flights with Credit Card offers
Replies: 19
Views: 1767

Re: I think rolling over 401ks to IRAs is often a bad decisi

I've heard tales told around the campfire of 401(k) plans that don't suck, but I think these are just yarns, told for amusement; they do not reflect my reality. One of my daughter's plans offers VG Total Stock @ ER 0.04%, VG Total Int'l @0.16%, VG Total Bond @0.07%, and the VG Target Retirement fun...
by chipmonk
Sat Feb 15, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: I think rolling over 401ks to IRAs is often a bad decision
Replies: 56
Views: 5724

Re: I think rolling over 401ks to IRAs is often a bad decisi

Hard to say. The vast super-majority of Americans can directly invest in a Roth IRA so the backdoor route isn't so important. 401K plans can go bad and your money can get stuck - 5 year ordeal for one company - http://www.nytimes.com/2014/02/02/business/a-long-fight-to-get-what-was-theirs-in-a-401-...
by chipmonk
Sat Feb 15, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: I think rolling over 401ks to IRAs is often a bad decision
Replies: 56
Views: 5724

Re: the sky is about to fall!

the sky is about to fall! Omigosh!! Where can I buy an ETF that invests in the sky with 3x inverse leverage!?!? SKFLX? According to the values on the chart, this predicts something like a 25% drop in the dow. So... uh... ok. Thanks. Yeah, to me this was the "laugh out loud" ridiculous fea...
by chipmonk
Tue Feb 11, 2014 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: [MarketWatch: Scary 1929 market chart gains traction]
Replies: 43
Views: 4727

Re: where to download Open Office?

Chipmonk, I have Apache OpenOffice. Is it possible to install LibreOffice along side it so I can compare? I've never used Apache OO myself, and whether this is possibly likely depends on what OS you are using and how the software is packaged. If you run into problems with it though... what's the ha...
by chipmonk
Mon Feb 10, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: where to download Open Office?
Replies: 11
Views: 1195

Re: where to download Open Office?

I'm finally persuaded that I should switch to Open Office, but now I can't find a place to download it due to malware, including at cnet which used to be pretty reliable and openoffice.org. It seems the whole Internet had become quite predatory of late..is there any way to download these apps witho...
by chipmonk
Sun Feb 09, 2014 7:25 pm
 
Forum: Personal Consumer Issues
Topic: where to download Open Office?
Replies: 11
Views: 1195

Interesting market anomaly [Length of financial quarter]

Matthew Yglesias of Slate discussed this in his Moneybox column: http://www.slate.com/blogs/moneybox/2014/02/06/_14_week_quarters_financial_markets_get_confused.html Due to the quirks of our Roman/Julian/Gregorian-ish modern calendar, not all financial quarters can be exactly 13 weeks long, since 52...
by chipmonk
Fri Feb 07, 2014 9:30 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting market anomaly [Length of financial quarter]
Replies: 1
Views: 355

Re: Vanguard 2013 muni income by state has errors

https://personal.vanguard.com/pdf/inbst_012014.pdf lists income from NY as around 0.5% for most funds and ND as over 10% for most funds. This is obviously wrong. The Vanguard rep I called said no one who could fix this will be around until Tuesday (Monday being a holiday). Good catch, Richard! Look...
by chipmonk
Tue Jan 21, 2014 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard 2013 muni income by state has errors [fixed Jan 21]
Replies: 14
Views: 1340

Re: Do you invest in a taxable account?

I am curious of Bogleheads who have investments in a taxable account. Can you provide some information in terms of how the taxable account fits into your overall investment strategy and allocations? I have more money than I need to spend, so of course I put the rest into taxable investments. I foll...
by chipmonk
Tue Jan 14, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7638

Re: Fidelity 2% Amex Cardholders: Autopay the Bill?

I'm thinking of dumping the Fido Amex and keeping my Blue Cash card. More than one Amex is superfluous and the Blue Cash lets me pay my bill automatically. The exact amount due. I keep the Fido Amex for one and only one reason: it's the only card I can use to get 2% off at Costco :). I have a diffe...
by chipmonk
Tue Jan 14, 2014 7:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex Cardholders: Autopay the Bill?
Replies: 31
Views: 3215

Re: Private owner apartment hunting???

Craigslist is your best bet (not with a realtor). +1. This is how I found my current apartment. I basically search for "condo rental" or "owner rental." You might also want to consider the pros and cons of a private rental vs a managed community. A managed rental usually has wri...
by chipmonk
Mon Jan 13, 2014 2:57 pm
 
Forum: Personal Consumer Issues
Topic: Private owner apartment hunting???
Replies: 6
Views: 417

Re: Rebalancing when money is in taxable account

I just mean that I will sell winners if I need to, but never so much that I'm not able to deduct the full $3k from my income. (That $3k is in a sense "use it or lose it" because if you don't take the deduction one year, you won't be able to make it up with an additional deduction the next...
by chipmonk
Mon Jan 13, 2014 1:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing when money is in taxable account
Replies: 21
Views: 1771

Re: Rebalancing when money is in taxable account

⋅ selling tax lots with a loss (lots of volatility in 2011 was helpful for this) and a few winners, but never so much that it prevents me from deducting less than the full $3k tax loss or carryover each year Can you please explain what you mean by the above. Do you mean you just use the $...
by chipmonk
Mon Jan 13, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing when money is in taxable account
Replies: 21
Views: 1771

Re: High Earners - What's Your Profession?

Engineer, with a PhD, in an entry-level position.
by chipmonk
Mon Jan 13, 2014 12:58 am
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28869

Re: The Funniest Movie Ever

MoonOrb wrote:Groundhog Day
+1

Fun to watch, hilarious, deeply philosophical, and perfectly winter-appropriate. :)
by chipmonk
Mon Jan 13, 2014 12:41 am
 
Forum: Personal Consumer Issues
Topic: The Funniest Movie Ever
Replies: 227
Views: 15447

Re: Rebalancing when money is in taxable account

How do the rules of rebalancing change when the vast majority of one's net worth is in a taxable account? Do you rebalance less frequently? Or only by adding new contributions to under-represented asset class? Or only when there are offsetting losses? Or do you ignore all that and just stick to you...
by chipmonk
Mon Jan 13, 2014 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing when money is in taxable account
Replies: 21
Views: 1771

Re: Over Roth Income Limits - Where to put the money?

Option 5: Pay down the student loan debt even faster (around $15,000 at 6.55% and around $5,000 at 5.55%). I kind of like this option, but my wife would be a hard sell, even though it's a guaranteed return of 5.55-6.55%. She is always worried we aren't saving enough for retirement. If this is a wis...
by chipmonk
Thu Jan 09, 2014 12:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Over Roth Income Limits - Where to put the money?
Replies: 13
Views: 1182

Re: Backdoor Roth IRA- Any changes for 2014?

Nothing has changed. I did mine the same as in past years. I did mine the same as well. Last year was the first year I had to do the Backdoor Roth. Because I didn't have any non-Roth IRAs, I haven't had any issues, although I did have to answer like three or four additional questions in TurboTax. #...
by chipmonk
Wed Jan 08, 2014 9:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth IRA- Any changes for 2014?
Replies: 5
Views: 535

Re: Dogs of the Dow instead of S&P 500?

You seem to want to invest in a way that is contrary to the Boglehead philosophy. I would suggest taking a look at the "Hot Hands" portfolio. "Hot Hands" is a simple strategy: buy whichever Vanguard fund has performed best in the previous year and hold onto it throughout the upc...
by chipmonk
Wed Jan 08, 2014 12:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Dogs of the Dow instead of S&P 500?
Replies: 27
Views: 2439

Re: Vanguard merged Mutual fund + brokerage - anyone have ye

I was told that because I have a lot of accounts, I will probably be among the last people to be offered consolidation. It sounds like they are focusing first on converting some people with just one mutual fund account and one brokerage account. Now they wait to see what "back end" proble...
by chipmonk
Wed Jan 08, 2014 12:00 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard merged Mutual fund + brokerage - anyone have yet?
Replies: 27
Views: 4092

Re: What does a Bogle TV look like?

Do you use your old school television until it dies? What do the TVs at your house look like? I have a flat screen tube TV that weighs a million pounds. Until I can get my kids to haul it out for me, I'm stuck with it in my living room. I also have a 32" LED TV that I'm trying out. Picture see...
by chipmonk
Mon Jan 06, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 4647

Re: Net Worth Survey, 2014 Edition

I found the SS/pension questions to be confusing to some degree - future dollars, todays dollars, etc, and do you mean retirees, etc. Likewise. I'm 32 and have absolutely no idea about SS or how much it's worth, given that it's so far off and will almost certainly be subject to so many politically-...
by chipmonk
Mon Jan 06, 2014 12:26 pm
 
Forum: Investing - Theory, News & General
Topic: Net Worth Survey, 2014 Edition
Replies: 149
Views: 23012

Re: How do you determine when to harvest your tax losses?

I don't like to have to sell, then sell again, then again. Here's what I do: http://www.bogleheads.org/forum/viewtopic.php?p=1625303#p1625303 which was posted a few days after you joined the forum. :) I do something similar to Livesoft (and probably took my cues on how to do it in the first place f...
by chipmonk
Thu Jan 02, 2014 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: How do you determine when to harvest your tax losses?
Replies: 12
Views: 705

Re: HSA Choices? Fees?

...there's this lone S&P 500 index fund (HLEIX = "JPMorgan Equity Index Fund Select Class) with an ER of 0.2%. Although M* shows HLEIX's expense ratio at 0.20%, Vanguard shows it as 0.69% with the note shown below. I'd suggest triple-checking with HSA Chase in advance that you would be buy...
by chipmonk
Mon Dec 30, 2013 5:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Choices? Fees?
Replies: 11
Views: 2555

Re: HSA Choices? Fees?

1. Nercro-thread alert :D Yes indeed. My apologies for resurrecting it, but it seemed to be relevant for my current research :) 2. Is the fee waived for the minimum balance in an investment account, or only a cash balance? I believe it's the total balance. Per the fee schedule, "The Monthly In...
by chipmonk
Mon Dec 30, 2013 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA Choices? Fees?
Replies: 11
Views: 2555

Re: HSA Choices? Fees?

I'm in a similar boat with a Chase HSA as the default custodian provided by my employer. Comparing HSAs is quite maddening since they all have different fee structures and offer such limited (and typically awful :() fund choices. It looks like Chase HSA now waives the $2.50/month (= $30/year) fee fo...
by chipmonk
Mon Dec 30, 2013 3:04 am
 
Forum: Investing - Help with Personal Investments
Topic: HSA Choices? Fees?
Replies: 11
Views: 2555

Re: Are Bogleheads "robots with Excel Spreadsheets?"

"Retirement specialist Teresa Ghilarducci of the New School for Social Research in New York says the voluntary plans "work for a robot with an Excel spreadsheet," not for people trying to pay bills and care for children who aren't thinking decades ahead to retirement." I have a ...
by chipmonk
Sun Dec 29, 2013 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Are Bogleheads "robots with Excel Spreadsheets?"
Replies: 74
Views: 4122
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