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Re: Back-up Drive - Local or Cloud? Which?

I use 2 local drives for backup. The cost of local storage is really cheap.
I keep one at home and other at work.

I have mostly mac so use time machine for backup.
Every now and then I bring them together at work to sync them up.
by dimdum
Mon Nov 24, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Back-up Drive - Local or Cloud? Which?
Replies: 27
Views: 1376

Re: Does investing in a 401k actually save any money?

Don't forget company match, that free money. Many companies match 3-6% of your contribution, that itself is enough reason to invest in 401k. A person making 100K with 4.5% matching will get $4500 each year. 4500x30 = 135,000 FREE $$ Add 5% growth =320K over 30 years growth just in company contributi...
by dimdum
Fri Nov 21, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Does investing in a 401k actually save any money?
Replies: 47
Views: 3744

Re: An alternative to alternative investments [QSPIX]

Disclosure: I have a significant personal investment in the fund and it was approved by the investment policy committee of my firm, Buckingham, as a 401(k) plan option. sig·nif·i·cant dict: sufficiently great or important to be worthy of attention; noteworthy. I have about a 3% allocation Hope that...
by dimdum
Thu Nov 20, 2014 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 96
Views: 6168

Re: An alternative to alternative investments [QSPIX]

Exactly,let see how this investment fit into those. 1 Develop a workable plan - Nope 2 Invest early and often - Yes 3 Never bear too much or too little risk - Maybe, too complex for me to understand 4 Diversify - Maybe, although not something you don't understand 5 Never try to time the market - No,...
by dimdum
Thu Nov 20, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 96
Views: 6168

Re: An alternative to alternative investments [QSPIX]

High ER, alternative investment, 50$ transaction fee, not even a year old. And I thought this is BH forum. And fund has 534.31% for top ten holding, lol 3mo Euro Euribor 15/06/15 109.16% Euro-Schatz 12/08/2014 76.81% Mini 10-Year Japanese Govt Bond 67.85% NYSE/Liffe 2 Year US Treasury Note Future De...
by dimdum
Thu Nov 20, 2014 2:19 am
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 96
Views: 6168

Re: Advice Needed: Unique Situation At workplace

The real motive maybe Boss is planning to bring his closest as sub-ordinate (under him).
This is very common in corp culture, when a director or VP moves it bring his team along with him.

This maybe a move to get OP friend out and bring his one in.
Move within company or move out.
by dimdum
Mon Nov 17, 2014 5:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Unique Situation At workplace
Replies: 28
Views: 3846

Re: Is my Tommy Lee Jones Approved Portfolio a disaster?

Other have given you excellent advice but I want to run thru ER and Fee numbers. You are paying 0.5 in mgmt fee + at least 1.0 in ER = total 1.5% With a portfolios of 4.0m , that is 60K each year just in fee and ER. A move to VG admiral and going with 3-6 portfolio (including EM and Intl), the fee s...
by dimdum
Mon Nov 17, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is my Tommy Lee Jones approved Portfolio a disaster?
Replies: 17
Views: 2178

Re: Deciding When to Retire

Run your number thru firecalc and I'm sure you will be fine. Firecalc will look for all "if and but" scenario. Plus as you mentioned you can always cut discretionary spending like travel if need arise. BH reminds us of being broke later in retirement, but Remember YOLO. In your case you ha...
by dimdum
Mon Nov 17, 2014 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deciding When to Retire
Replies: 47
Views: 4974

Re: Deciding When to Retire

I think you are already there. Lets look at numbers. Current saving 2.0m. Need - If you retire, you can live comfortable on husband salary. You don't need to dip into saving. Want - Still able to travel local and internationally, won't be possible. Assumption - No saving going forward (or minimum). ...
by dimdum
Mon Nov 17, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Deciding When to Retire
Replies: 47
Views: 4974

Re: How Not to Retire

Great Article, very insightful.

Affirm the notion of SWR which we talk a lot on BH.
Manage your SWR carefully and don't touch capital in early years.
by dimdum
Mon Nov 17, 2014 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: How Not to Retire
Replies: 67
Views: 6904

Re: Not qualified for my job - what to do?

The consultant that is about to leave, can you hire him personally ? Tell him you want to pay for his service like 10 hrs per week and will pay him a fixed amount per week. Billing in 15 or 30 minutes increments. Consultant should be reachable via email, text or phone (when possible). If he agree to...
by dimdum
Sat Nov 15, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Not qualified for my job - what to do?
Replies: 42
Views: 4730

Re: astonishing performance of US markets vs others

I have been in same boat as OP, putting money in Intl to maintain my AA and it seems like a bottomless pit.
Only difference is that I'm using new money than sell US equities but more and more of new money is going to Intl than US.
by dimdum
Tue Nov 11, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: astonishing performance of US markets vs others
Replies: 50
Views: 4960

Re: 401k millionaire

I have single 401k (no spouse) and have been maxing out for past 10 years. Maybe in next 15-20 years it will hit 7 figure.
by dimdum
Fri Oct 31, 2014 6:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k millionaire
Replies: 27
Views: 5013

Re: selling RSU immediately

Cash out immediately, if not whole then at least 50% of it.
Are you contributing to ESPP too ? Those are additional stocks you get every 6 months.
by dimdum
Tue Oct 21, 2014 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: selling RSU immediately
Replies: 21
Views: 2000

Re: Vanguard rides wave of success

Low costing ruling the MF, Both VG and ishare rising consistently.
Btw I didn't knew that BlackRock Inc is even bigger than Vanguard.
by dimdum
Tue Oct 21, 2014 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard rides wave of success
Replies: 3
Views: 1153

Vanguard rides wave of success

http://articles.philly.com/2014-10-19/business/55201451_1_higher-fees-u-s-mutual-fund-assets-vanguard-group Malvern-based Vanguard now manages $2.7 trillion in U.S. investments, up from $1.6 trillion in 2011. Rising stock values, plus Vanguard's growth at the expense of its rivals - it now controls...
by dimdum
Mon Oct 20, 2014 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard rides wave of success
Replies: 3
Views: 1153

Re: Advice needed for next 10 years: Save, spend borrow?

I had probably an extra $100,000 in savings 10 years ago, but have slowly used some of it up. So in other words, you used 10k per years to put in two ROTH IRA. You didn't increase income but your spending did increase by average of 10K for past 10 years. So you had to dig into saving to put in ROTH...
by dimdum
Mon Oct 20, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice needed for next 10 years: Save, spend borrow?
Replies: 27
Views: 3959

Re: Laddering Term Life Insurance

This should work based on info you provided 30 years of $1 million and 20 years of $500k for $2267 per year (savings of $333 per year) 20 years - 1.5 mil (age 51) last 10 years - 1 mil (age 61). All kids out of house and in college/graduated from college hopefully in next 30 years. SS starts at 62.
by dimdum
Mon Oct 20, 2014 2:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Laddering Term Life Insurance
Replies: 5
Views: 411

Re: Dry Powder

I have do keep cash for about 2.5% of total assets. I keep 0.5 % in MM at VG. Other 2% or so is with Ally giving me 0.9% for their saving account. Plus I regularly contribute new money (401K as well as in taxable account). This week I changed from 70/30 (stocks/bonds) to 50/50 for new money to compe...
by dimdum
Thu Oct 16, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3552

Re: Market corrections and rebalancing band

why don't use new money for re-balance ? I have been following that approach and it has been working for me. In normal mkt condition new money follow my AA for equity and bonds. When mkt were high, I was putting more in bonds to balance rise in equity. At one point I was putting 80% in bonds (compar...
by dimdum
Fri Oct 10, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Market corrections and rebalancing band
Replies: 71
Views: 4207

Re: Should I go for RSU or Options?

For Pre-IPO options or RSU are practically same (few cents vs zero cent). For Pre-IPO options might be better as you don't want to pay taxes on something you can't sell (assuming they are putting a value on RSU and deducting tax).
by dimdum
Tue Oct 07, 2014 4:14 pm
 
Forum: Investing - Theory, News & General
Topic: Should I go for RSU or Options?
Replies: 15
Views: 959

Re: Which bond fund for taxable account in high tax bracket?

I Bonds, EE bonds, National Muni (ST and LT), State Muni, cash, CD
by dimdum
Mon Sep 29, 2014 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: Which bond fund for taxable account in high tax bracket?
Replies: 11
Views: 1710

Re: Should I break my CD at Ally and get a new one's ?

Thanks Everyone, this was really helpful.
I'll take no action for now.

Will check blog for good CD rates and jump when > 2.5% range for 5 yr CD.
With news of early to mid 2015 Fed rate hike news, it might be sooner than we all expect.
by dimdum
Fri Sep 12, 2014 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I break my CD at Ally and get a new one's ?
Replies: 14
Views: 1998

Re: Should I break my CD at Ally and get a new one's ?

When I looked at increase of Ally rate, I thought its a no-brainier to break and re-invest in new CD. I thought I'll run thru Boglehead forum just in case and I'm glad I did. It did give me a different prospective on looking at things. 20 bp, 150 days of EWP, look at alternative, locking for additio...
by dimdum
Thu Sep 11, 2014 7:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I break my CD at Ally and get a new one's ?
Replies: 14
Views: 1998

Re: Should I break my CD at Ally and get a new one's ?

Thanks for your replies.
Since I have 4 of these, how about I sell /convert one at a time.

Convert one now. Convert others for every additional Apr increase

CD 1 - Now (2.05)
CD2 - When Apr hits 2.40
CD3 - 2.80
CD4 - 3.25
by dimdum
Thu Sep 11, 2014 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I break my CD at Ally and get a new one's ?
Replies: 14
Views: 1998

Should I break my CD at Ally and get a new one's ?

I have Four CD with 5 year maturity at Ally Apr 1.84% - 14k, 16k Maturity Mid 2018 Apr 1.79% - 12k, 15k - Maturity Early 2018 All have 60 day early withdrawal penalty. I have another CD maturing in mid Oct, I can add the amount Oct CD and will get 2.05 APR (0.05 bonus). Oh, I miss those 0.25 bonus. ...
by dimdum
Thu Sep 11, 2014 3:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I break my CD at Ally and get a new one's ?
Replies: 14
Views: 1998

Re: How Much House Should I Buy?

Based on your income, saving and industry I would say go for it. Although I would say go for lower 2.5-3.0m range rather than higher. I would also recommend putting the minimum payment needed (25%) rather than putting more. And going for 5-7 yr ARM to minimize your payment. Let's look at worst case ...
by dimdum
Tue Jul 15, 2014 4:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Much House Should I Buy?
Replies: 81
Views: 4933

Re: Payoff Car For Best Credit Score

In my case, my credit score took a 50 point hit after I paid 5 year car loan in 2 year. During this time I never opened another credit card/or loan or did anything with credit or had any delinquent payment. Just pre-paid earlier. The person who pre-pay is also bad for business. PS: It was 3.75 APR (...
by dimdum
Tue Jul 01, 2014 8:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Payoff Car For Best Credit Score
Replies: 21
Views: 1467

Re: ESPP with blackout risk

Contributing to First 6 month of ESPP is hard, once you do that next one is easy. Sell as soon as you get the first batch, sell and you have the cash flow for next one. Borrowing from EF or HELOC is relatively low risk. You exposure is 2-4 days in the mkt, the time it takes for funds to go to your b...
by dimdum
Fri Jun 13, 2014 3:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: ESPP with blackout risk
Replies: 6
Views: 654

Re: Switch car insurance? State Farm vs GEICO

I switched from Farmers to Geico and have been happy. Farmer increased rate after being with them for 10 years.
I Pay just under 1000$ per yr for 2 car and Umbrella liability.

Never used Geico for claim yet.
by dimdum
Thu May 15, 2014 7:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switch car insurance? State Farm vs GEICO
Replies: 42
Views: 5046

Re: Business Sold! Retired and need help with investments

I would say DCA into stocks and bonds. Although some studies suggest lumpsum is better but most of us are chickens and more comfortable with DCA (at least I'm). Invest in short term (33%) and IT term bond duration (66%). Yes, its possible the NAV might go down in coming yrs but as long you hold till...
by dimdum
Tue May 13, 2014 10:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Business Sold! Retired and need help with investments
Replies: 11
Views: 1345

Re: Apple Stock - Seems great, right?

As long as its part of your play money, its fine to hold individual stocks. Just keep an eye on it and sell if it goes too low (500) or too high (700).
by dimdum
Tue May 13, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Apple Stock - Seems great, right?
Replies: 116
Views: 10738

Re: Life Term Insurance? 32 yrs old. [Help requested]

Medical exams ensure better rates, even one without medical exams will anyway pull your medical records for past 3 years (You need to sign authorizing them). So by avoiding exam you are not showing them your present and Insurance company still have visibility into your past. Re: two policies, it dep...
by dimdum
Wed Apr 30, 2014 4:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Term Insurance? 32 yrs old. [Help requested]
Replies: 41
Views: 2565

Re: Invest in IPO or stick with index fund strategy exclusiv

How much is 25K (in percentage) of your total portfolio ? If its is 5-10% of your total portfolio, you can think as play money and maybe go for it. You need to do do diligence. Many tech IPO has popped over the course of week and many other has done well long term (Linkedin, Palo alto network). As l...
by dimdum
Tue Apr 29, 2014 7:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invest in IPO or stick with index fund strategy exclusively?
Replies: 21
Views: 1796

Re: Life Term Insurance? 32 yrs old. [Help requested]

Have you considered breaking and buying two policies while you are still young and rate are low for your coverage. Buy a 500k for 20 yr and another 250k-500K for 30 years (or mix and match as you like). Buy them from a broker (single health test) and choose two different providers for diversity. For...
by dimdum
Tue Apr 29, 2014 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life Term Insurance? 32 yrs old. [Help requested]
Replies: 41
Views: 2565

Re: mailed US tax check 4/13 - not cashed yet

I mailed on Apr 15, both state and federal get cashed yesterday (4/23). As long as you have proof of mailing, nothing to be worried. Enjoy your 0.01 checking rate for few more days.
by dimdum
Thu Apr 24, 2014 5:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: mailed US tax check 4/13 - not cashed yet
Replies: 43
Views: 7415

Re: Planning Retirement and Tax efficiency, looking for advi

Sorry for late response, taxes got me distracted and also I want to implement few changes as suggested before I post. On Bonds side, I'll stick with TBM, IT bonds index and IT corp bonds Index. I have sold PIMCO and moved to Bond fund in 401k - done Exchanged ROTH to IT index fund - done Started mov...
by dimdum
Tue Apr 22, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 15
Views: 2016

Re: ESPP Shares - What to do?

I sell 50% immediately or as soon as I can for ESPP. Rest I sell in 25+25 lot. Mine is div paying, big company stock, so holding 50% has some benefit.
As others have said, don't let the tax tail wag the investment dog.
by dimdum
Fri Apr 18, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: ESPP Shares - What to do?
Replies: 19
Views: 1555

Re: Planning Retirement and Tax efficiency, looking for advi

Thanks ruralavalon for detail response and advise. Let me first respond on Bonds side as its easier and faster for me to implement. Till 2012, I just had one fund: TBM. As bonds prices start rising and I started seeing more and more bonds related threads on bogleheads, I added Corp, IT TBM and TIPS ...
by dimdum
Thu Mar 27, 2014 12:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 15
Views: 2016

Re: Planning Retirement and Tax efficiency, looking for advi

Thanks everyone for their advice. You all are awesome. There are three main questions 1) IRA consolidation (move to VG) 2) Future money 3) Already invested MF 1) IRA consolidation (move from Fido to VG) The reason I have money in Fido is I like their interface, have some tools available and their CS...
by dimdum
Tue Mar 25, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 15
Views: 2016

Re: Planning Retirement and Tax efficiency, looking for advi

Hi kerplunk, thanks for your response and advice. I have re-formatted to make it make clean and it now follow boglehead format. Plus added image of XLS to make it more neat. Re: Selling in Taxable. For 2104 I will be hit by huge taxes (44% on ST) and 25% on LT (incl state taxes). Since they are inve...
by dimdum
Fri Mar 21, 2014 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 15
Views: 2016

Re: Are people really selling at the bottom of the market ?

If anyone missed the earlier bottom and subsequent rally, don't worry. Stocks mostly move up and down, rather sideways.
I expect another one in next 6-12 months, once QE3 ends. Nothing to do with market timing but more of bull cycle.
Stay the course.
by dimdum
Fri Mar 21, 2014 1:23 pm
 
Forum: Investing - Theory, News & General
Topic: Are people really selling at the bottom of the market ?
Replies: 16
Views: 3349

Re: Planning Retirement and Tax efficiency, looking for advi

Any suggestion on how to make it more tax efficient ?
I read wiki and looks like doing the right mix and match between tax-adv and tax-sheltered account.

Insight from other bogleheads would be helpful.
by dimdum
Fri Mar 21, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 15
Views: 2016

Re: POLL: Do you have a financial advisor?

Yes and its called "bogleheads.org"
by dimdum
Thu Mar 20, 2014 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you have a financial advisor?
Replies: 37
Views: 2198

Re: Single Income Family with 4 Children (so far)

Re- -About to purchase a 20 year term life policy at 2M (should I get 1 policy or 2 from different insurers?) Use this calc to find your insurance need http://finance.yahoo.com/calculator/insurance/ins01/ You should use broker to get quotes from multiple ins companies and go with one with good ratin...
by dimdum
Thu Mar 20, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Single Income Family with 4 Children (so far)
Replies: 69
Views: 5298

Planning Retirement and Tax efficiency, looking for advice

Edited: Added as per Boglehead format to make it easy to read. Emergency funds: six months of expenses Tax Filing Status: Married Filing Jointly, 2 kids Tax Rate: 33% Federal, 9.3% State State of Residence:CA Desired Asset allocation: 70% stocks / 30% bonds (115 - age) Desired International allocati...
by dimdum
Thu Mar 20, 2014 4:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Planning Retirement and Tax efficiency, looking for advice
Replies: 15
Views: 2016

Re: Stay for pay, or leave for growth? Seeking opinions.

I would also suggest staying at current job for 18month or so. Finish your Master and learn as much as you can during your lean period.
by dimdum
Mon Feb 17, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Stay for pay, or leave for growth? Seeking opinions.
Replies: 14
Views: 1247

Re: Selling my first stock this week

What percentage of your "total portfolio" does XOM represent ? If its under 10%, keep it.
by dimdum
Wed Jan 15, 2014 12:18 am
 
Forum: Investing - Theory, News & General
Topic: Selling my first stock this week
Replies: 29
Views: 2683
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