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Re: Possible mail scam?

Wow! A letter with free money knocking on your door that might not be a scam? I got something like that from someone claiming Paypal owed me money, and I was skeptical, so I let the state have it. I might get around to picking it up from the state someday. The state wanted a copy my social security ...
by inbox788
Thu Aug 28, 2014 10:11 pm
 
Forum: Personal Consumer Issues
Topic: Possible mail scam?
Replies: 4
Views: 376

Re: Motif Investing - own the S&P500 for less

A brokerage can sell you stocks for a very low commission $9.95 for 30 stocks in case of this company. However they can also give you a very bad spread and sell you a stock for say $9.25, when you could have bought it for $9.10. This is a hidden cost for you. Stocks remember don't have a single bid...
by inbox788
Thu Aug 28, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 69
Views: 2835

Re: Motif Investing - own the S&P500 for less

I think you can save about $50 in fees for every $10k invested/year, so after a decade or two that could be $500-1000/motif, so after 20 years, an extra $5000 in fees might be saved. Well almost, except it's $5 per $10k per year, which in recent years seems to have shrunk down to nearly nothing (wh...
by inbox788
Thu Aug 28, 2014 2:23 pm
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 69
Views: 2835

Re: If you had an extra $100,000

Lynette wrote:1/3 to charity, 1/3 for travel, 1/3 for retirement.


1/3 taxes, 1/3 credit card bills, 1/3 bookie
by inbox788
Thu Aug 28, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 35
Views: 2213

Re: Hit a financial milestone at an age milestone

NorCalHiker wrote:We have 2 young kids...


Congratulations, now get back to work. :wink:

This should be one of your next milestones:

viewtopic.php?t=15835

:mrgreen:
by inbox788
Thu Aug 28, 2014 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Hit a financial milestone at an age milestone
Replies: 50
Views: 4470

Re: Motif Investing - own the S&P500 for less

Not so fast. There are problems with this number, as applied to motif investing. One is simple: 30-stock motifs are far less volatile than individual stocks, even if you group them by sectors or whatever. So there just won't be as many harvest opportunities. ...I'm sorry, but I refuse to sell a gro...
by inbox788
Thu Aug 28, 2014 12:00 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 69
Views: 2835

Re: Should we invest or pay off mortgage ?

Given the above profile, would you pay off the mortgage vs. invest ? I am leaning towards the latter, but I would love to hear your thoughts/approach on how one should think about investing #4. I'm seeking a tax efficient and moderately conservative investment strategy for #4. 6 year horizon and ne...
by inbox788
Wed Aug 27, 2014 8:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should we invest or pay off mortgage ?
Replies: 15
Views: 1634

Re: Motif Investing - own the S&P500 for less

If you were to listen to Cramer and have 5 holdings in 5 different sectors and matched the sp500 return, is that a good thing a bad thing or just par for the course? Would the total of all investors following this strategy do any different than the market? 5 holdings? That would be pure luck if it ...
by inbox788
Wed Aug 27, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 69
Views: 2835

Re: Motif Investing - own the S&P500 for less

Taxwise, are motifs treated like a fund when you buy and sell? TLH and wash sales are complications or opportunities depending on accounting and tax treatment. Let's say you bought a motif with 3 stocks ABC, and AB are winners while C is a loss. On the day you sell, you have a net loss on the motif,...
by inbox788
Wed Aug 27, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 69
Views: 2835

Re: Motif Investing - own the S&P500 for less

Actually, the real secret is that there is no point in slavishly trying to track any index. The fact is that if one has enough separate holdings, it really doesn't matter too much what exactly those holdings are, or in what weights. One will end up tracking the overall market regardless. (Modulo, s...
by inbox788
Wed Aug 27, 2014 10:12 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 69
Views: 2835

Re: Motif Investing - own the S&P500 for less

Thank you bpp for the link. The TLH benefit is cited from an academic paper simulating holding 500 stocks instead of a 500 fund at around 0.5% annually compared to doing nothing. Obviously a fund holder would get some benefit from TLH, but only during market crashes. I would guess the vast majority...
by inbox788
Wed Aug 27, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: Motif Investing - own the S&P500 for less
Replies: 69
Views: 2835

Re: Motif Investing

I'm confused - are/were you a customer or not? You seem unhappy, but your comments don't make much sense. To answer your questions, cash dividends are paid in cash not reinvested (stock dividends, more rare, are added to the Motif), mergers are free, and voluntary corporate actions (rare) are $15. ...
by inbox788
Wed Aug 27, 2014 12:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Motif Investing
Replies: 11
Views: 1791

Re: 100% stock AA-> At what age to add bonds?

I will go back and emphasize: The reason for our success is our savings rate while we were accumulating, not our Asset Allocation before, or after, retirement. L. I agree with Leeraar. It is having enough savings that enables one to have choices in retirement. There are many roads to a comfortable ...
by inbox788
Tue Aug 26, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: 100% stock AA-> At what age to add bonds?
Replies: 58
Views: 3628

Re: Motif Investing

Some of the annoyances I had trading individual stocks was all the accounting and special fees. How do they handle dividend distributions? Foreign tax credits? Mergers and acquisitions? Even though buys and sells were $5 or $10 a trade, I was being charged fees for corporate actions in the amounts o...
by inbox788
Tue Aug 26, 2014 9:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Motif Investing
Replies: 11
Views: 1791

Re: Purchasing I bond vs. paying off student loan

I actually went ahead and paid it off. I'm 36 and wife is 31. I was under the impression some in his 30's should be in the 35-40% non-equity range. Is this too high? We are right at 70/30. I thought this would be fine since the wife is younger and I have a little bit higher risk tolerance. No harm ...
by inbox788
Tue Aug 26, 2014 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing I bond vs. paying off student loan
Replies: 19
Views: 1005

Re: Purchasing I bond vs. paying off student loan

I don't think you're doing the numbers right because if you use money that would have gone to retirement investing then it isn't all fixed income (assuming a normal allocation) so you will be reducing your stock investment. It's extra income this month that is currently sitting in cash. I don't mai...
by inbox788
Tue Aug 26, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Purchasing I bond vs. paying off student loan
Replies: 19
Views: 1005

Re: Best time to exercise stock options

In general, I'd hold them to the last year and pick a good time to sell during that year, waiting till near the expiration date if possible. Sooner if you're conservative. What is the expiration date and strike price/current stock price? Unless the options represent a large part of your portfolio, y...
by inbox788
Tue Aug 26, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Best time to exercise stock options
Replies: 10
Views: 849

Re: What are you up YTD?

Please share your asset allocation and what you are up (or down) YTD in the format below. Here are my stats: Stocks: 100% Bonds: - Up: 10% Are you meeting or beating your risk adjusted return? For reference YTD S&P500, Dow, Nasdaq and bonds/midcap/smallcap are up: ARCX:SPY:+15.51|+8.40% ARCX:DI...
by inbox788
Tue Aug 26, 2014 12:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 83
Views: 4988

Re: FYI, PenFed offering 0.0% new car loans

I've lost faith in the accuracy of the TrueCar data. Offers are no longer the lowest prices, and may not be competitive. I've come across too many reports of people beating it by hundreds and even THOUSANDS. Not unlike many of the other car buying services.
by inbox788
Tue Aug 26, 2014 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: FYI, PenFed offering 0.0% new car loans
Replies: 15
Views: 1748

Re: How I beat Indexing... in 1 hour

5) For me, this was in early August - FARO: first in field, no real competition -ITMN: I knew of impending buy out - ILMN: same as FARO - LUV: knew of fuel prices coming down from USA Today app - TSLA: despite insane P/E ratio RESULTS: Cost basis $4400 Market Value: $5400 Congratulations on what lo...
by inbox788
Tue Aug 26, 2014 10:40 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 52
Views: 6502

Re: Should we invest or pay off mortgage ?

Given the above profile, would you pay off the mortgage vs. invest ? I am leaning towards the latter, but I would love to hear your thoughts/approach on how one should think about investing #4. I'm seeking a tax efficient and moderately conservative investment strategy for #4. 6 year horizon and ne...
by inbox788
Tue Aug 26, 2014 1:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Should we invest or pay off mortgage ?
Replies: 15
Views: 1634

Re: AA out of whack - need rebalancing advice!

I have finally fully retired and the markets have been good for my investments. However, they have thrown my asset allocation out of whack . My portfolio is now 72% stock, 28% bonds (see detail below) and I would like to rebalance. What would you recommend as an asset allocation? Can you please let...
by inbox788
Tue Aug 26, 2014 12:34 am
 
Forum: Investing - Help with Personal Investments
Topic: AA out of whack - need rebalancing advice!
Replies: 11
Views: 1072

Re: Bond fund in taxable account (CA resident)

By investing in municipal bonds in your own state, you are failing to diversify in two regards. First, you're only investing in one state when you could invest in 50. Second, you're probably investing in (or near) the state you work in, and state budget problems are likely correlated with labor mar...
by inbox788
Tue Aug 26, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund in taxable account (CA resident)
Replies: 14
Views: 1061

Re: Best iPhone deal for light user

Buy a Sprint iPhone 4 for ~$70 on Ebay. Hook it up to Ting. (http://www.ting.com) Get a referral and you get $25 off your first bill. (PM if you want a referral code. :-)) Why an iPhone 4? Cheap, does everything a 4S. Better battery life than a 4S. Pay only for what you use. Awesome customer servic...
by inbox788
Mon Aug 25, 2014 10:17 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2329

Re: What if there were only index funds?

Accounting for fees, the non-indexers do worse on average, since they pay higher overall fees than indexers. Actually the set of buy and holders of individual stocks could pay LESS than indexers. Those that hold stocks stocks for 10, 20, or more years are paying basically zero ER. If commissions ad...
by inbox788
Mon Aug 25, 2014 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 20
Views: 1758

Re: What if there were only index funds?

This is a very interesting hypothetical question and some very good answers. I guess the issue is that indexing is the prudent thing to do. However, if everyone would do the prudent thing (indexing), then the stock market could not exist. Therefore, the Boglehead approach relies on individual stock...
by inbox788
Mon Aug 25, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: What if there were only index funds?
Replies: 20
Views: 1758

Re: The Extreme Outliers of the Investment Universe

What's missing is a risk adjusted return. It's not fair to compare a different risk investment to the S&P500 if that investment doesn't have a similar risk. Any given 5 year period will have one or another asset or asset class outpace the S&P500. It could be investing in energy (XLE), REITS,...
by inbox788
Mon Aug 25, 2014 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: The Extreme Outliers of the Investment Universe
Replies: 27
Views: 2706

Re: What 5 stocks can I own forever?

How about looking at the etf that holds 100 yr old companies? ... FL Foot Locker Inc 0.35 Suspicious about the demand for running shoes a hundred years ago, I checked Wikipedia and see that Foot Locker is the old Woolworth's. It's a ringer (and not in the NYSE bell-ringing sense). Yes and no. Kinne...
by inbox788
Mon Aug 25, 2014 3:13 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4373

Re: What 5 stocks can I own forever?

Apple, Qualcomm, Monsanto, Medtronic, Nike. Medtronic is almost gone! It's it's undergoing an inversion, which technically means it's being acquired by a foreign company and reincorporating overseas. Corporations go through many different types of reorganizations, mergers and acquisitions, takeover...
by inbox788
Mon Aug 25, 2014 1:25 am
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4373

Re: AA out of whack - need rebalancing advice!

I have finally fully retired and the markets have been good for my investments. However, they have thrown my asset allocation out of whack . My portfolio is now 72% stock, 28% bonds (see detail below) and I would like to rebalance. What would you recommend as an asset allocation? Can you please let...
by inbox788
Sun Aug 24, 2014 6:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA out of whack - need rebalancing advice!
Replies: 11
Views: 1072

Re: Best iPhone deal for light user

What do I get with an iPhone 5 that I don't get with iPhone 4? A better phone. iPhone 4S is better than iPhone 4. iPhone 5c is the same phone as iPhone 4S. iPhone 5S is better than all of the above. iPhone 6 is rumored to be coming out Sep 9th - wait and see. Airdrop! Not even the 4S has it, but I'...
by inbox788
Sun Aug 24, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2329

Re: Saving for a car

My plan to save for a car purchase in five years is to buy the intermediate term index bond fund VBILX and add $335 per month. Is there anything wrong with this plan or is there a better way? Most times short term savings are better off by just banking it. OP, for money I may need in the short term...
by inbox788
Sun Aug 24, 2014 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a car
Replies: 20
Views: 1571

Re: Saving for a car

...is that the lowest price negotiated with a specific dealership in Detroit, Michigan (car country, poor economy)? This is on page 16E of the Detroit Free Press of Thursday, August 21, 2014. ...Seriously, this is a real deal. ... You should be able to find similar deals at http://www.gm.com. But y...
by inbox788
Sun Aug 24, 2014 2:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a car
Replies: 20
Views: 1571

Re: 87 Year Old Grandmother Has $600,000 In the Bank

What is the amount of your fiance's grandmother's social security check and does she have any long-term care insurance? Given age, $12k/month income and $600k cash and current $8k in expenses, these are relatively minor items. Consider the $600k as a 6 year emergency fund. She lived through the Gre...
by inbox788
Sun Aug 24, 2014 2:40 am
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5449

Re: Should I fix a "totaled" car

I got t-boned at an intersection. Low speed but there's body damage from behind front wheel all the way back. 2007 Hyundai Sonata with 130k miles. NADA value is $8,000. Insurance company is calling it a total loss and offering $8k or $6,400 (retail -1600 est salvage value) if I want to keep it. Bod...
by inbox788
Sat Aug 23, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: Should I fix a "totaled" car
Replies: 26
Views: 1733

Re: 87 Year Old Grandmother Has $600,000 In the Bank

This money is currently spread across three bank accounts and is used, along with a trust that owns rental property, to support my fiance's 87 year old grandmother. I am still figuring out all of the particulars (it just came to my attention that the money is invested in this way) but I estimate th...
by inbox788
Sat Aug 23, 2014 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 87 Year Old Grandmother Has $600,000 In the Bank
Replies: 42
Views: 5449

Re: Saving for a car

My plan to save for a car purchase in five years is to buy the intermediate term index bond fund VBILX and add $335 per month. Is there anything wrong with this plan or is there a better way? It's a decent plan. Depending on what you're driving and how long you expect to keep it, you could do bette...
by inbox788
Sat Aug 23, 2014 8:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for a car
Replies: 20
Views: 1571

Re: Rain Jacket Recommendations

I was just looking for a rain jacket and saved this link: http://thewirecutter.com/reviews/best-everyday-rain-jacket/ They recommend the $169 LL Bean Stowaway Jacket with Gore-Tex and the $99 Marmot PreCip (sometimes on sale for as low as $55). I also came across the $100-120 Carhartt Men's Huron Ja...
by inbox788
Fri Aug 22, 2014 5:52 pm
 
Forum: Personal Consumer Issues
Topic: Rain Jacket Recommendations
Replies: 29
Views: 1711

Re: 100% lifestrategy - good idea for a hands-off investor?

Since he is a committed hands off investor he is unlikely to adjust his portfolio as he ages. If that makes sense to him - you might want to consider a Target Date fund that fits his current risk tolerance. That way he can stay hands off. I agree. While 100% lifestrategy is also good, a Target Date...
by inbox788
Tue Aug 19, 2014 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: 100% lifestrategy - good idea for a hands-off investor?
Replies: 28
Views: 3276

Re: Vanguard Lost My Account

Hmmm, I was locked out of a brokerage account earlier this year, but was asked to call the brokerage Fraud center. I called them and was on hold for more than 30 minutes before I spoke to a human. After verifying my identity, they asked me lots of questions about my online usage, such as "Did ...
by inbox788
Tue Aug 19, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10385

Re: Wash D.C. speed camera - how accurate?

What does the accuracy of the camera matter if your accuracy is off? :D You don't think you were over 40 mph??? I wouldn't waste your time if you don't even know how fast you were going. You can challenge the accuracy, and they need to provide the maintenance and calibration records. First step in ...
by inbox788
Tue Aug 19, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Wash D.C. speed camera - how accurate?
Replies: 40
Views: 2408

Re: Help with Risky Allocation for 33 year-old

Not knowing the future location, #1 is not an option for me. Is 5 years really too long to go the cash/CD route? If I was going to pursue course of action #2, wouldn't a REIT index be the most correlated equity investment if the goal was to keep pace with rising home prices over 5 years? Then there...
by inbox788
Mon Aug 18, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Risky Allocation for 33 year-old
Replies: 13
Views: 1418

Re: Vanguard Agent Authorization

When I log into my Vanguard account the page lists all my accounts: taxable, roth, etc, plus it shows the joint account. Same for my wife when she logs into her account: her taxable accounts, roth, etc, plus it shows the joint account. On that opening page, lower right is a link to electronic bill ...
by inbox788
Mon Aug 18, 2014 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2591

Re: Help with Risky Allocation for 33 year-old

As far as how to save for the house, it depends on how strongly you want that house in five years, and how much of a gambler you are. You could put half the savings in a stock fund and the other half in CDs, and if the stocks don't do well wait longer to get the house. If that's an intolerable pros...
by inbox788
Mon Aug 18, 2014 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Risky Allocation for 33 year-old
Replies: 13
Views: 1418

Re: Vanguard Agent Authorization

To answer your last question first, we have a shared bill pay account at Vanguard. My spouse has Vanguard accounts in her name, I have Vanguard accounts in my name, and we have a shared account in both our names. The shared account has a money market account that is the sweep account for a linked V...
by inbox788
Sun Aug 17, 2014 6:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2591

Re: IPS for french national living in Taiwan

Retirement location: Either Taiwan, or France or some relatively cheap country in Asia The first question is usually the stock/bond allocation, and often that's age related. The next question is domestic vs international allocation, and many answers are US centric, and often overweigh US equities. ...
by inbox788
Sun Aug 17, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: IPS for french national living in Taiwan
Replies: 14
Views: 967

Re: Vanguard Agent Authorization

It's good that you each have your own username and password. It's important that you don't share them with each other though. When the same computer accesses two different accounts back-to-back that usually indicates that it's one person, and they know somebody else's password. I'm glad Vanguard ta...
by inbox788
Sat Aug 16, 2014 4:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2591

Re: Good place to park ~$500k for house remodel/teardown?

.... it seems like a waste to keep in a savings account or CD & only get 1%. ..... I realize the funds could lose value. But short of some massive event, I don't see them dropping more than 10%. (I'd be okay with that..... So you'd be OK with losing 10%, but not OK with earning 1% ??? It's a ma...
by inbox788
Sat Aug 16, 2014 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good place to park ~$500k for house remodel/teardown?
Replies: 17
Views: 2437

Re: MDs should I contest hospital privileges?

The hospital cancelled my privileges unilaterally on the day I retired. I empathize with your situation, but let me take the hospital view for a minute. How long do privileges usually last? Is there an annual expiration or recertification? Was your privileges associated with a doctor group rather t...
by inbox788
Thu Aug 14, 2014 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: MDs should I contest hospital privileges?
Replies: 16
Views: 1782
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