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Re: iPhone upgrade

AFAIK, the Verizon iPhone 5 isn't identical in GSM frequencies to the ATT one, but the 5c and 5s are. Prepaid! H20 wireless or cricket are around $20-35/month for decent plans depending on number of lines. And they're both on the ATT network. Swappa.com is a good place for used phones. I have a 4S a...
by inbox788
Tue Mar 03, 2015 6:45 pm
 
Forum: Personal Consumer Issues
Topic: iPhone upgrade
Replies: 30
Views: 2281

Re: What's your average ER? [Expense Ratio]

Don't know exactly, but below 0.25. Probably between 0.15 to 0.2. Went through a purge a while back with 0.25 threshold. Now I'm getting rid of anything over 0.1, so when I'm done it will be somewhat below 0.1, probably between 0.06-0.08.
by inbox788
Tue Mar 03, 2015 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 96
Views: 4162

Re: Does Cap-Weighting Distort U.S. Investors' Worldview?

...but their market valuations seem outsized relative to other markets and economies. Is it perhaps that large U.S. companies, similar to U.S. Treasuries, are considered relative "safe havens" by global investors? Markets and economies are two different things. Could you name 10 largest c...
by inbox788
Tue Mar 03, 2015 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Does Cap-Weighting Distort U.S. Investors' Worldview?
Replies: 8
Views: 831

Re: How to hedge a 5/5 ARM?

The answer to your question is to get a fixed rate loan. I would not have done the refinance given your need/worry to hedge. Like other have said, a bigger emergency fund is a good hedge for cash flow and 15 year loan vs. risk of interest rates going up. If you want to invest instead of pay down loa...
by inbox788
Fri Feb 27, 2015 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to hedge a 5/5 ARM?
Replies: 20
Views: 1225

Re: Is there a way to provide for inflation ?

My understanding is that TIPS and Ibonds are used for capital preservation and inflation protection, while annuities are insurance against excess longevity. With limited funds, you're going to have to compromise and optimize one or the other. You're going to have to use some assumption about surviva...
by inbox788
Thu Feb 26, 2015 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way to provide for inflation ?
Replies: 22
Views: 1667

Re: Is BRKA a simple efficient way to Leverage Large Value?

In the past, when I would scheme to get more than average market returns, I always lost in the long term. My greatest losses were after initial successes that were followed by my increasing my exposure. My opinion is that greed did not pay, but your mileage may differ from my experiences. If you wa...
by inbox788
Wed Feb 25, 2015 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Is BRKA a simple efficient way to Leverage Large Value?
Replies: 7
Views: 915

Re: What kind of allocation for a 50-60 year old?

Let's just say his goal is to create gains. Low-moderate risk. That's it. Instead of having his checking account money lose value from inflation. GIGO. That said, a low-moderate risk inflation hedge is: Vanguard Inflation-Protected Securities Fund Investor Shares (VIPSX) https://personal.vanguard.c...
by inbox788
Tue Feb 24, 2015 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: What kind of allocation for a 50-60 year old?
Replies: 13
Views: 1278

Re: TracFone to Launch New Verizon-Powered MVNO

Looks like their answer to ATTs Cricket Wireless https://www.cricketwireless.com/ Similar $35 for one line, but only $100 for 5 lines at Cricket. With Total, you get pooled data, but no low-speed unlimited after you use up the high speed. Also, is 4G/LTE available? Wasn't immediately clear. Just the...
by inbox788
Mon Feb 23, 2015 8:11 pm
 
Forum: Personal Consumer Issues
Topic: TracFone to Launch New Verizon-Powered MVNO
Replies: 2
Views: 680

Re: Real estate investing the Boglehead way

Texas Radio wrote:real estate the Boglehead way?

VNQ 8-)


Actually, it's more likely VTI!
Real estate is already well represented in the total market index, so if you add VNQ, you'll be tilting towards a sector, which some folks do, but you can tilt other ways as well.
by inbox788
Mon Feb 23, 2015 7:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate investing the Boglehead way
Replies: 10
Views: 1315

Re: Commiting NEW cash to market

Thanks for the reply! Yeah, the money was in non-Boglehead portfolio and moved to be Bogelized. All taxes etc. have been taken care of and now it is actually just sitting in a money market fund until I got myself and my situation up to speed. Go all in now! Let me restate what I understand happened...
by inbox788
Sat Feb 21, 2015 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Commiting NEW cash to market
Replies: 31
Views: 2110

Re: Why do companies match 401K contributions?

Now, each doctor can put away over 50K a year, tax free (avoiding 40% marginal rate). At retirement, docs can withdraw the funds at well under 40% rate (assuming that they don't work until they die, which some will). In DW's case, she will fill up 25% bracket with Roth Conversions, as opposed to th...
by inbox788
Fri Feb 20, 2015 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4308

Re: Why do companies match 401K contributions?

... Again, isn't the amount above $18,000 taxable? So what's the difference between a $52k bonus and a $52k match, other than perception? Employer can deduct its contribution/match/sharing, so it is not taxed. See IRC sec. 404 http://www.law.cornell.edu/uscode/text/26/404 From personal knowledge si...
by inbox788
Fri Feb 20, 2015 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4308

Re: Why do companies match 401K contributions?

My company recently added a 401k match. They did this because they redid the pension calculation, so it put less burden on the company but still kept the employee happy with a new match. That I understand. Shifting from a defined benefit plan (unknown costs) to a defined contribution plan (401k) he...
by inbox788
Fri Feb 20, 2015 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4308

Re: Is BRKA a simple efficient way to Leverage Large Value?

I don't think BRKA has outperformed the market by 1.6.
by inbox788
Fri Feb 20, 2015 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Is BRKA a simple efficient way to Leverage Large Value?
Replies: 7
Views: 915

Re: Why do companies match 401K contributions?

Isn't a company's 401k match, a tax deduction to them? :?: Isn't an employee salary a tax deduction for the company? Is there any additional financial/tax benefit for the company? Participation in matching isn't 100%, so it costs a company less than salary increase. Also taking away a match doesn't...
by inbox788
Fri Feb 20, 2015 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4308

Re: Why do companies match 401K contributions?

I think one reason they match is so that more people will contribute and they can maintain a safe harbor plan. This allows the highly compensated employees (HCE) to contribute the full amount that the IRS allows to a 401k type plan. This is the real reason. All others are secondary. Gill I think so...
by inbox788
Fri Feb 20, 2015 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4308

Re: VWENX huge hit today! [Vanguard Wellington Admiral]

EXXON MOBIL REFINERY IN TORRANCE DAMAGED AFTER EXPLOSION http://abc7.com/news/exxon-mobil-refinery-in-torrance-damaged-after-explosion/523467/ Seriously! Also, financial services took a hit today, and the biggest sectors are healthcare and financial services. Look at their top holdings compared to S...
by inbox788
Wed Feb 18, 2015 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: VWENX huge hit today! [Vanguard Wellington Admiral]
Replies: 40
Views: 3729

Re: 529 Math fun and slightly broader discussion

College funding with the 529 plan is a very tricky area. There are only two facts that we know with some degree of certainty when your children are born. 1. We know the ages of our children. 2. We know when we expect them to attend college, typically about 18 years or so after they are born. ;) Her...
by inbox788
Wed Feb 18, 2015 7:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 Math fun and slightly broader discussion
Replies: 13
Views: 1273

Re: Roth IRA at Retirement

Hi Inbox788: By conversative, I meant, given I'm 59 1/2 and behind on proper investing due to divorce and job loss, I can't take too much of a risk since I am only 6-7 yrs out from retirement. My job offers great benefits and among them a good match at 5%; albeit their fund choices aren't the great...
by inbox788
Wed Feb 18, 2015 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA at Retirement
Replies: 49
Views: 4930

Re: Berkshire Hathaway Tax Efficiency of Dividends

I believe a Geico,a wholly-owned subsidiary of Berkshire Hathaway, purchases these securities for its investment portfolio. Perhaps someone can enlighten me on how such dividends are taxed if they are part of the reserves of an insurance company. Somehow I have to believe Warren has this all figure...
by inbox788
Wed Feb 18, 2015 3:12 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Tax Efficiency of Dividends
Replies: 3
Views: 717

Re: Advice needed to re-kajigger my entire financial life

My timeline for the conversion is by the end of the year for no particular reason other than to have a goal, so not exactly rushing, just wondering if there is advantage to spreading out the cap gains tax over two years, but since I have the cash now, I'm not sure I see the advantage of waiting unl...
by inbox788
Wed Feb 18, 2015 2:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed to re-kajigger my entire financial life
Replies: 31
Views: 2699

Re: Roth IRA at Retirement

Thank you malabargold for replying to my post as well. Sadly enough, I guess my main questioned wasn't answered though. I'm trying to be Boglehead savy as to what funds, at the time of my retirement, I should transfer the Roth to. A present it's in a Vanguard Target fund; however, given I will defi...
by inbox788
Wed Feb 18, 2015 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA at Retirement
Replies: 49
Views: 4930

Re: Roth IRA at Retirement

I'm having difficult in figuring out my entire the AA. If I'm in the FFFDX, Vanguard Target 2020 VTWNX and Vanguard US Value VUVLX funds, where does that put me percentage wise for AA. Part of your problem is the use of mixing in target date funds and other funds. Answer these questions: 1) What is...
by inbox788
Wed Feb 18, 2015 1:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA at Retirement
Replies: 49
Views: 4930

Berkshire Hathaway Tax Efficiency of Dividends

Berkshire Hathaway just increased it's position in IBM, and its larger cap high dividend portfolio made me as how tax efficient the treatment of those dividends they get from IBM, WF, KO, AXP, etc. are treated. I'm mainly talking about BRK investment portfolio, not their operating companies. If you ...
by inbox788
Tue Feb 17, 2015 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Tax Efficiency of Dividends
Replies: 3
Views: 717

Re: Short Sale and Long Stock combination

I am trying to lower my AGI (for a private reason) by $3000 for 2015 tax year. I came up with the following scenario: I buy $40000 worth of the XYZ stock in my IRA account. Next day I short sell $40000 worth of the XYZ stock in my regular brokerage account (non-IRA). Both transactions have the same...
by inbox788
Tue Feb 17, 2015 4:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Short Sale and Long Stock combination
Replies: 22
Views: 975

Re: Trade Mechanical Piano for Electronic?

classic guitar:electric guitar as acoustic piano:electronic keyboard I disagree, as both a guitarist and a pianist. A classical guitar (nylon string), a steel string acoustic guitar, and an electric guitar are more distinctly different. None are trying to mimic another and are never even trying to ...
by inbox788
Tue Feb 17, 2015 3:37 pm
 
Forum: Personal Consumer Issues
Topic: Trade Mechanical Piano for Electronic?
Replies: 16
Views: 652

Re: Trade Mechanical Piano for Electronic?

classic guitar:electric guitar as acoustic piano:electronic keyboard A DIGITAL piano is an attempt to simulate a traditional piano, and they've come a long way. I haven't heard one yet, but been meaning to check out these: http://techland.time.com/2013/01/23/mostly-piano-not-pretender-yamahas-avantg...
by inbox788
Tue Feb 17, 2015 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Trade Mechanical Piano for Electronic?
Replies: 16
Views: 652

Re: Midcaps [Why does it seem to beat Total Stock Market?]

BTW, what's the range of Midcaps these days? Performance comparisons between two mid-cap ETFs, S&P 500, two broad markets, and one all-world ETF for three different date ranges, per Schwab's Compare ETFs tool: I was referring to the range of market cap that defines "mid", which can va...
by inbox788
Tue Feb 17, 2015 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Midcaps [Why does it seem to beat Total Stock Market?]
Replies: 17
Views: 2440

Re: Gifts to children

our son is still paying off his student loan from grad. school. he contributes to an employer funded 401K. his student loan is about 17K and i believe the interest rate is 3% he has no other savings. he makes about 57K we contribute about 3000 into a Roth IRA every year, a gift. it has been slowly ...
by inbox788
Tue Feb 17, 2015 12:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Gifts to children
Replies: 30
Views: 2251

Re: Health Insurance Debacle, need advice...

What a mess! ...I would think the actual bills would be smaller than 6 months of premiums. I was thinking the same thing. What is the total cost of insurance vs new total cost of doctor bills noncontract? What does the insurance company want to do right now? Are you cancelled and don't owe anything ...
by inbox788
Mon Feb 16, 2015 11:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Health Insurance Debacle, need advice...
Replies: 35
Views: 2600

Re: Midcaps [Why does it seem to beat Total Stock Market?]

Aside from risk, there is the law of large numbers at play. AAPL tripling from $700B to $2.1T is a stretch, though not impossible. Many a $10B company have become $30B and some $100B companies today were under $33B some years back.

BTW, what's the range of Midcaps these days?
by inbox788
Mon Feb 16, 2015 7:43 pm
 
Forum: Investing - Theory, News & General
Topic: Midcaps [Why does it seem to beat Total Stock Market?]
Replies: 17
Views: 2440

Re: possible churning?

Yes, if he's using advanced High Frequency Trading algorithms. It's controversial, but I do believe there is a return if done correctly. But I highly doubt that's what's really going on.
by inbox788
Sun Feb 15, 2015 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: possible churning?
Replies: 20
Views: 1309

Re: Does anyone like the new Toyota/Lexus grilles?

Don't like them but bought a new Highlander anyway. Mainly because the new Pilot is not due out until next summer and my wife couldn't wait that long for a new vehicle. But then the new Highlander doesn't look as bad as those photos you linked to. 1) I found many recent Toyota models too boring in ...
by inbox788
Sun Feb 15, 2015 1:51 pm
 
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 57
Views: 3236

Re: Home-visit computer repair options

Does she have any nearby friends or neighbors with kids or grandkids? These most kids are basically tech savvy. All the kids I've seen, some as young as 3-5, have been able to find WiFi anywhere. A bright middle school or high school student should be able to quickly find simple problems and decide ...
by inbox788
Sun Feb 15, 2015 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Home-visit computer repair options
Replies: 29
Views: 843

Re: Shouldn't bond fund holders celebrate if rates go up?

I am hard pressed to think of anything I buy that doesn't go up with inflation, except for information via the internet and the rare purchase of some electronic stuff. Dale Well Gasoline Prices come to mind this year. Lots of examples...... All I am saying is that you have a choice when purchasing ...
by inbox788
Sat Feb 14, 2015 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Shouldn't bond fund holders celebrate if rates go up?
Replies: 55
Views: 5009

Re: Asset allocation 529 plans for 7th and 4th graders

I know it is a challenge to keep up with university cost inflation. ...But there are folks smarter than me who think the equity position should be much higher. It's conventional wisdom that healthcare and college inflation has been higher than overall inflation and wages, and will continue on same ...
by inbox788
Sat Feb 14, 2015 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset allocation 529 plans for 7th and 4th graders
Replies: 11
Views: 995

Re: Pick Out My New TV For Me

TS, Buy your TV from costco. You can return the TV if you do not like it and you will not be charged restocking fee. KlangFool Costco sells a lot of TVs and has better return policy than many other stores, but you pay often pay more and their models are sometimes older. Comparison shop Best Buy, Fr...
by inbox788
Fri Feb 13, 2015 11:02 pm
 
Forum: Personal Consumer Issues
Topic: Pick Out My New TV For Me
Replies: 30
Views: 2109

Re: Day trading and capital gain tax nightmare

REAL day traders don't have to worry about wash sales. Pure day traders don't take overnight risk, so they're always in cash at the end of the day and year. As far as capital gains taxes, it's VERY simple. Take difference in cash at beginning of year and end of year and pay STCG or claim STCL. Discl...
by inbox788
Thu Feb 12, 2015 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Day trading and capital gain tax nightmare
Replies: 37
Views: 2957

Re: What to do with 350K. Plop it in a 529?

Bottom line: It is just not an important decision whether you put $200K, $250K, $300K, or $350K into 529 plans. Agree, but it's always good to look at some numbers/examples. Assume you make 8% average return over 5 years, that's 40% gain on each $100k that's taxable at LTCG which may be around 25% ...
by inbox788
Tue Feb 10, 2015 1:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 350K. Plop it in a 529?
Replies: 36
Views: 3956

Re: Cost basis with no records?

While brokers may not have detail transaction and accounting data for old accounts, sometimes, they keep account records that cover times your account was open/closed. Get something to document the dates the account was open to help avoid the $0 basis worst case. FWIW, I had some missing cost basis,...
by inbox788
Sun Feb 08, 2015 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost basis with no records?
Replies: 13
Views: 1202

Re: Should I cancel my Whole Life Policy?

For the breakeven point, you need to include how much in interest/investment returns you would get on the money over the next 12 years. I think you'll find there is never a breakeven point. At any year of the policy, you will be behind where you would be without the policy. The longer you hold it, ...
by inbox788
Sun Feb 08, 2015 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I cancel my Whole Life Policy?
Replies: 13
Views: 894

Re: Should I exercise and sell my ISO stock options (ISO) no

I plan to exercise + sell some time this year....Is there anything else I'm missing or overlooking here? I missed the details details of the option, specifically expiration date, strike price and what the current stock price is at. An important question is whether you're giving up significant time ...
by inbox788
Sat Feb 07, 2015 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I exercise and sell my ISO stock options (ISO) now?
Replies: 18
Views: 1502

Re: Replacing a reliable Toyota

The Honda Crosstour is a sharp Crossover SUV with AWD. It looks almost Porsche like. The hatchback is really nice and roomy too. http://automobiles.honda.com/images/2015/crosstour/exterior-gallery/2015-honda-crosstour-exterior-feature-side2.jpg I'm not a fan of the Crosstour and it wasn't that succ...
by inbox788
Thu Feb 05, 2015 12:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Replacing a reliable Toyota
Replies: 43
Views: 4049

Re: Perplexed by Oil Heating Issue

We replaced the thermostat and it's identical to the one we have upstairs. It's a Honeywell (don't recall the actual model #). We even swapped the thermostats by bringing the upstairs downstairs and downstairs upstairs. The issue still persists. I suppose I'll get another HVAC guy out here….though ...
by inbox788
Wed Jan 28, 2015 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Perplexed by Oil Heating Issue
Replies: 8
Views: 1024

Re: Perplexed by Oil Heating Issue

I wouldn't give up on the HVAC guy yet. Who actually replaced the thermostat? What brand/model? Is that the correct one for your system? Can you swap thermostats? May help determine if it's wiring/connectors or problem with thermostats. Also, you can bypass the thermostat by connecting the wiring di...
by inbox788
Tue Jan 27, 2015 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Perplexed by Oil Heating Issue
Replies: 8
Views: 1024

Re: How does a Boglehead handle stock options?

Interesting to see the differing perspectives. I understand the arguments for selling immediately upon vesting, as soon as the options are in the money. OTOH, it's hard to see the value of exercising a 10-year option that is "in the money" by $1 on day one, post vesting. Isn't much of the...
by inbox788
Wed Jan 14, 2015 6:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: How does a Boglehead handle stock options?
Replies: 27
Views: 1880

Re: Leasing a car for an older relative

You could try one of the lease trader sites like Swapalease, where you might find someone looking to exit their lease on that sort of timeline. You also could try leasetrader.com, but chances of finding a car and costs to transfer a lease are likely going to be high for such a short term. Renting b...
by inbox788
Thu Jan 08, 2015 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Leasing a car for an older relative
Replies: 6
Views: 666

Re: Do you check you get all your dividends?

cjking, We have a non Vanguard fund held in a Vanguard brokerage account that paid a ST, LT and dividend on 12-30-14 per the fund company. Nothing posted in the Vanguard account and I messaged Vanguard on 1-2-15. The payments finally posted on 1-5-15 and were backdated for 12-30-14. Vanguard did re...
by inbox788
Thu Jan 08, 2015 12:54 pm
 
Forum: Investing - Theory, News & General
Topic: Do you check you get all your dividends?
Replies: 20
Views: 2418

Re: Buying Disney stock - ABC vs ESPN org chart

That's the part of the transfer I don't understand. Why doesn't ESPN get paid to produce content the way CBS collects from Time Warner? If it's the left arm transferring to the right arm of one company, it wouldn't matter, but if I were a minority shareholder in ESPN, I'd be wondering if my ownersh...
by inbox788
Wed Jan 07, 2015 8:25 pm
 
Forum: Personal Consumer Issues
Topic: Buying Disney stock - ABC vs ESPN org chart
Replies: 15
Views: 1895

Re: 50/50 simplicity

Because of estate taxes we reconfigured our portfolio slightly over the past year and drifted slightly higher in stocks for those deferred accounts where spouses are not designated as the beneficiary. OT, but interesting beneficiary choice. Is there a name or thread that discusses this strategy? Do...
by inbox788
Wed Jan 07, 2015 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: 50/50 simplicity
Replies: 25
Views: 3170
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