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Re: Why invest in bonds?

While I don't quite agree with the logic (I've got other reasons), I also feel that holding your age in bond allocation is too conservative. I've got 10% of my allocation in fixed income and the rest in equities. I won't change that until I'm 45.
by corner559
Sun Aug 31, 2014 9:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 5562

Re: Do you have class?

Seriously? CC companies hate customers like you. As others have mentioned, they want customers who carry balances and rack up massive interest. They love those customers.
by corner559
Sun Aug 31, 2014 9:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you have class?
Replies: 15
Views: 1551

Re: Costco:is it worth it for just two people?

I've got a membership just for me, and I go once a month to stock up on stuff. I love it, and it's WELL worth the cost of membership.
by corner559
Sun Aug 31, 2014 3:44 am
 
Forum: Personal Consumer Issues
Topic: Costco:is it worth it for just two people?
Replies: 111
Views: 6558

Re: California residents - do you have earthquake insurance?

When I had a condo in CA, my HOA was required to have EQ insurance for the building. However, that only covered the structure. Nothing inside of the condo was covered. To cover that, it was prohibitively expensive, so I was only protected by my HOA's policy.
by corner559
Thu Aug 28, 2014 11:08 pm
 
Forum: Personal Consumer Issues
Topic: California residents - do you have earthquake insurance?
Replies: 49
Views: 2557

Re: Where to invest $100,000 this week

I also agree with other replies to just go with your IPS. I came into several hundred thousand dollars when I sold real estate, and I just bought funds based on my asset allocation. I would do the same again if I hit the lottery, for example.
by corner559
Thu Aug 28, 2014 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to invest $100,000 this week
Replies: 14
Views: 1858

Re: Schwab - now endorsing Index Funds

523HRR wrote:It's disappointing that Vanguard index funds are designated "transaction-fee" funds at Schwab, attaching a $76 fee for purchase.

Why on earth would you buy a VG MF through Schwab?
by corner559
Tue Aug 26, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab - now endorsing Index Funds
Replies: 24
Views: 2102

Re: Telling my friends I paid off my house was a mistake.

I don't discuss anything personal finance issues with any of my friends unless I know that we're in a similar economic situation (I've got a couple who are Bogleheads too). I've got some friends who are poorer and some who are richer. And even then, it's rarely discussed. I definitely never voluntee...
by corner559
Tue Aug 26, 2014 12:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Telling my friends I paid off my house was a mistake.
Replies: 73
Views: 10163

Re:

The decision between a home safe versus safe deposit box has always been tough for me. I like the idea of the home safe for easy access and personal control, plus the ability to store more things. But doesn't anyone with a home safe worry about theft ? If someone breaks into my home I figure the fi...
by corner559
Tue Aug 12, 2014 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: What do you put in your safety deposit box?
Replies: 68
Views: 10665

Fed Taxes on Sale of Rental/Primary Residence

I used to own a condo and sold it last year. I entered all the info into Turbo Tax but shows that I owe around $3,000 and some change. I originally paid about 255k for it and sold it for just under 500k. I lived in the condo up though the middle of 2010, and it was tenant occupied from about October...
by corner559
Tue Aug 12, 2014 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fed Taxes on Sale of Rental/Primary Residence
Replies: 12
Views: 887

Re: What to do in a market correction

zaboomafoozarg wrote:
livesoft wrote:I'm going to add more penguin to my asset allocation in the next market correction.


What's the correlation coefficient between penguin and other major asset classes?


About the same as the correlation coefficient between unicorns and leprechauns.
by corner559
Mon Jul 21, 2014 3:23 am
 
Forum: Investing - Theory, News & General
Topic: What to do in a market correction
Replies: 32
Views: 3150

Re: how often do you look at your account

With online fraud these days, I think you'd be crazy not to check it at least once or twice a month.
by corner559
Sun Jul 20, 2014 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3662

Re: Footwear in Vietnam

I agree. Buy something there. If you are female, you could consider something like this http://www.zappos.com/sanuk-laurel-beige I think there may be a male version too. They weigh practically nothing and take very little space. Note: these are shoes built for people who believe that healthy feet d...
by corner559
Mon Jul 14, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2126

Re: Thoughts on 100% stock allocation for 33 year old

For retirement money at your age 100% is fine. I was at 95% until just last year and am not much older than you. You have a LONG way to go to retirement.
by corner559
Mon Jul 14, 2014 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on 100% stock allocation for 33 year old
Replies: 85
Views: 6468

Re: Financial Times Article on Vanguard.

The link doesn't work. It just goes to a sign-up page.
by corner559
Mon Jul 14, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial Times Article on Vanguard.
Replies: 12
Views: 2707

Re: Tiny House Movement

I now live in a large city overseas where space is at a premium. My place is just 250 square feet, and I'm fine with it. I learned to adapt very quickly. I'm living well below my means. One of the biggest ah-ha moments for me was when I had to go back to the States to deal with all the crap I'd put ...
by corner559
Wed Jul 09, 2014 9:13 pm
 
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 15942

Re: Erasing hard disk that have died

Also, I've sold and donated a few computers and laptops in the past. In all cases, I always remove the HD, destroy it, and then tell the new owner they need to buy a new one for themselves. No way I'm ever going to let my HD out of my possession.
by corner559
Tue Jul 08, 2014 7:23 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3420

Re: Erasing hard disk that have died

The only way to TRULY make sure the data is destroyed is to open it up and physically destroy the platters like others have mentioned. I just take it apart, and crumple up and smash the platters so it's impossible to recover any data. I wouldn't trust any other method.
by corner559
Mon Jul 07, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Erasing hard disk that have died
Replies: 40
Views: 3420

Re: Book for part-time Grad school?

Sounds like you just need a good time management book.

I did online courses for a couple of semesters while also working full time. Two things that I did were drastically curtailing my social life and avoiding procrastination.
by corner559
Mon Jul 07, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Book for part-time Grad school?
Replies: 26
Views: 1610

Re: USC vs. Columbia

What secondary subject are you teaching? The point is, if you simply need a Masters degree but not necessarily a MA in Education then you should have a much wider range of options of schools and programs. If you already have the teaching credentials and license and are only getting the degree to ha...
by corner559
Mon May 19, 2014 7:28 pm
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1096

Re: USC vs. Columbia

gatorking wrote:Are you planning to become a teacher or an administrator? At what level?

I have zero interest in becoming an administrator. I'd like to continue teaching at the secondary level for the time being. Where I'm located, I only need a Masters to teach at the university level, so that's another option.
by corner559
Mon May 19, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1096

Re: USC vs. Columbia

I'm getting it for a few reasons... 1) I'm at a point where I feel I've hit my personal limit at work and need extra training to bring things to the next level. 2) For some jobs where I'm located an MA is required. If and when I leave my current position, an MA will make me a much stronger candidate...
by corner559
Mon May 19, 2014 5:28 am
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1096

Re: New Version of Excel - All Worksheets Need Changes

I've found that when I get a new monitor, if the aspect ratio doesn't change I'm fine. However, if the aspect ratio changes I have to change all the column widths as you mentioned, and I don't think there's a quick way to redo it. However, once it's done, you don't have to do it again assuming that ...
by corner559
Mon May 19, 2014 3:18 am
 
Forum: Personal Consumer Issues
Topic: New Version of Excel - All Worksheets Need Changes
Replies: 10
Views: 1374

Re: TIPS - VIPSX, Why no Admiral Shares?

Sorry everyone. I was not aware that there was a $50,000 level for some Admiral Funds so the TIPS Admiral shares were completely left out when I did my search for mutual funds. I had it set to filter out any funds that require more than a $10,000 initial investment. Good to know for the future!
by corner559
Mon May 19, 2014 3:09 am
 
Forum: Investing - Theory, News & General
Topic: TIPS - VIPSX, Why no Admiral Shares?
Replies: 9
Views: 1054

USC vs. Columbia

I know that there's a similar USC vs. UCLA thread elsewhere, but I did want to get feedback on my particular situation. I've settled on either USC and Columbia for a Master of Arts in Education. Granted, this career isn't going to make me wealthy, but I've found what I love to do and want to get the...
by corner559
Mon May 19, 2014 2:53 am
 
Forum: Personal Consumer Issues
Topic: USC vs. Columbia
Replies: 11
Views: 1096

Re: Getting Passport without specific travel plans?

Just say you might travel to Canada from time to time. You don't need to be specific.

I'm amazed at how many people don't have a valid passport or a passport at all.
by corner559
Fri Apr 11, 2014 12:08 am
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 2398

Re: Passport validity: Do I need at least 6 months?

Just get it done. And if you think you're going to cut it close, get it expedited.
by corner559
Fri Apr 11, 2014 12:07 am
 
Forum: Personal Consumer Issues
Topic: Passport validity: Do I need at least 6 months?
Replies: 59
Views: 3508

Re: Where is the Vanguard 03/31/2014 statement?

The OP is correct. No Q1 statements have been posted. Really? http://i60.tinypic.com/2iabriu.jpg Really. Here's the message you get when trying to view Q1 statements... "There are no statements available for this time period. Please use the dropdowns to make another selection."
by corner559
Fri Apr 04, 2014 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2560

Re: Where is the Vanguard 03/31/2014 statement?

The OP is correct. No Q1 statements have been posted.
by corner559
Fri Apr 04, 2014 10:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is the Vanguard 03/31/2014 statement?
Replies: 32
Views: 2560

TIPS - VIPSX, Why no Admiral Shares?

Anyone know why there are no Admiral shares for the TIPS fund? Or if they plan on rolling one out?
by corner559
Tue Mar 25, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: TIPS - VIPSX, Why no Admiral Shares?
Replies: 9
Views: 1054

Re: Vanguard Sector Funds in Taxable?p%

Thanks.

If I were to increase my allocation to 10% or so later in but stay at the low tax bracket would the same still hold true? I guess a better question would be what is the maximum allocation before tax drag is no longer minimal given my tax situation?
by corner559
Sun Feb 23, 2014 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sector Funds in Taxable?
Replies: 17
Views: 1067

Re: Where do you park cash?

I just moved my cash from HSBC online savings to a Barclays online savings account which pays much better rates.
by corner559
Fri Feb 21, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where do you park cash?
Replies: 48
Views: 5182

Re: Vanguard Sector Funds in Taxable?

Thanks for the replies. That advice does make sense though to be clearer I should explain my situation a little further... 1) My tax bracket fluctuates between 10 and 15% due to my living overseas. I'm not required to pay U.S. income tax on most of my income. 2) I'm not able to contribute much to my...
by corner559
Fri Feb 21, 2014 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sector Funds in Taxable?
Replies: 17
Views: 1067

Vanguard Sector Funds in Taxable?

I'm considering purchasing Vanguard sector funds for my taxable account (Energy, Health and Precious Metals). Would these be ok for taxable accounts? I've heard the REIT fund would not be suitable for taxable accounts but am unsure about the other three.
by corner559
Fri Feb 21, 2014 1:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sector Funds in Taxable?
Replies: 17
Views: 1067

Re: Should I add more money to a TIPS fund when its value dr

In my taxable account I hold a portion in TIPS. Rather than rebalance, I just put money into whichever fund is below its targeted asset allocation. So this past year almost all my money has been in going into TIPS as I know that at some they will improve given my long time horizon.
by corner559
Tue Jan 07, 2014 3:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I add more money to a TIPS fund when its value drops?
Replies: 40
Views: 2432

4 Pillars - Questions about Balancing and Value Tilt

I just finished the 4 Pillars of Investing. GREAT book, but it did leave me with a couple of lingering questions. 1) How necessary is a value tilt? I like to keep things simple but he advocates adding some large and small cap value index funds to the mix. 2) How many of you wait at least 2 years bef...
by corner559
Sun Jan 05, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: 4 Pillars - Questions about Balancing and Value Tilt
Replies: 4
Views: 448

Re: Do you think Warren Buffet was being irresponsible

I wonder what he thinks a good alternative would be for those close to retirement or currently retired.
by corner559
Sat Dec 28, 2013 8:40 am
 
Forum: Investing - Theory, News & General
Topic: Do you think Warren Buffet was being irresponsible
Replies: 31
Views: 3148

Re: Is anybody considering reducing bond purchases

My IPS calls for me to increase my bond exposure by 5% so I'll be staying the course and buying much more this upcoming year no matter what the bond market is doing.
by corner559
Wed Dec 25, 2013 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is anybody considering reducing bond purchases
Replies: 24
Views: 1536

Re: Vanguard e-document delivery procedures have changed

If you switch to US Mail, will the e-version of everything still be readily available? I also noticed the annual statement gone, so I want to switch to all paper now. Ridiculous.
by corner559
Tue Dec 24, 2013 6:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard e-document delivery procedures have changed
Replies: 13
Views: 1376

Re: Online Saving Bank Account

We're talking about bank accounts with less than a 1% difference in interest. Hardly much money being gained or lost one way or another. Sorry but .8% to me is significant. On just $100K in assets that will mean I'll be paid $800 more in 2014 than this year assuming HSBC's rates and Barclay's rate ...
by corner559
Sun Dec 22, 2013 9:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 3945

Re: ROTH Question

That's correct. I'm under the $92,000 or so threshold.

Many thanks for the answer. That clears things up!
by corner559
Thu Dec 19, 2013 11:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 6
Views: 831

Re: ROTH Question

Thanks for the reply. My gross is over $5,000 but my net is under $5,000. Here's an example... I grossed 7,000 in my business in 2013. However, my net earnings after deducting expenses was just $2,000. 1) I can contribute 25% of the $2,000 to my SEP IRA. 2) AND I can contribute $2,000 to my ROTH sin...
by corner559
Thu Dec 19, 2013 9:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 6
Views: 831

Re: ROTH Question

Anyone???
by corner559
Thu Dec 19, 2013 8:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 6
Views: 831

Re: Online Saving Bank Account

The extra .8% in interest will add up to quite a bit extra in interest in the long run. How long is your long run? How long do you think you will be getting an extra 0.8% interest? Three months? Ten months? Two years? Ten years? Once you decide what your long run is, how much is quite a bit extra i...
by corner559
Thu Dec 19, 2013 9:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 3945

Re: Online Saving Bank Account

This has been a great post. Thanks to feedback and some additional research I'll be dropping HSBC and moving everything over to Barclays. The extra .8% in interest will add up to quite a bit extra in interest in the long run.
by corner559
Thu Dec 19, 2013 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 3945

Re: Online Saving Bank Account

Van-Guard23 wrote:I transferred money out of my HSBC online Savings Account to Barclays (0.90%) earlier this year...HSBC just wasn't competitive any more. I also have an Ally Online Savings Account (0.85%). I have been pleased with both of them.

How quick are money transfers both in and our of Barclays?
by corner559
Thu Dec 19, 2013 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 3945

Re: Online Saving Bank Account

American Express Bank is where I have my online savings accounts currently at 0.85% and has been there for quite some time now: https://personalsavings.americanexpress.com/index.html I'm also with HSBC and am thinking of switching to AMEX's bank. In reading someone online reviews it seems that with...
by corner559
Thu Dec 19, 2013 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Saving Bank Account
Replies: 37
Views: 3945

Re: ROTH Question

And one additional question.... Would the ROTH contribution limit for me would be based on the net earnings or gross earnings?
by corner559
Wed Dec 18, 2013 11:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: ROTH Question
Replies: 6
Views: 831
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