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Re: Brett Arends: The search for a great stock picker is ove

1) This kid is hot! Some of the stats make me think Madoff, but hopefully the results have been audited and there are real customers. Some picks are published and here's a disclaimer: Our level of outperformance is certain to shrink, and the manner in which that occurs is likely to include both down...
by inbox788
Fri Apr 24, 2015 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Brett Arends: The search for a great stock picker is over!
Replies: 1
Views: 434

Re: Should I apply for manager's job or continue as a techie

Should I ask the departing manager if he thinks I should apply? He has asked me if I plan on leaving the company but hasn't asked if I would pursue the manager job. We have always gotten along well but I would sometimes get the feeling that he felt threatened by me in the past and I'm not sure he w...
by inbox788
Thu Apr 23, 2015 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I apply for manager's job or continue as a techie?
Replies: 103
Views: 5101

Re: Fidelity Contrafund

Contrafund has been recommended in many articles related to retirement accounts, and was claimed to beat S$P500 for many years. I had it before I knew anything about index funds and boglehead stuffs. I got rid of it after I understood the index funds and never regretted. Even in my wife's account w...
by inbox788
Thu Apr 23, 2015 11:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Contrafund
Replies: 32
Views: 4220

Re: Help with taxable account needed in 8-12 months

I'm sorry if I'm being dense but if my taxable account, which is right now all stocks, drops from its current $42k down to $21k where are you suggesting I get the remaining down payment from? In your example there is $60k left after the drop, but in my situation I'm well short of the monies needed....
by inbox788
Thu Apr 23, 2015 3:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with taxable account needed in 8-12 months
Replies: 9
Views: 962

Re: [What is safest vehicle on the road today that I can buy

The safest car in the safest category isn't necessarily the safest car. He wants the safest car, not the safest car in the safest category. The safest car might be a smaller car even though it isn't in the safest category. It might not even be listed as the "safest car" in its category. T...
by inbox788
Thu Apr 23, 2015 2:00 am
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4515

Re: Vanguard advice to increase international bonds and stoc

10-year bonds in Germany and Japan have yields close to zero. Owning unhedged foreign bonds with interest rates near zero is a good idea only if you want currency exposure, perhaps as an inflation hedge. There are those betting against the international bonds/currency: Janus’s Gross Sees German 10-...
by inbox788
Wed Apr 22, 2015 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard advice to increase international bonds and stocks
Replies: 27
Views: 3368

Re: Tax optimizing ideas for a large retirement acct withdra

How long is the work expected to take? Can it be done in Winter? Next year?
Take out $50k today and $50k in January 2016.
Work out a payment with the contractor to pay half next year.
by inbox788
Wed Apr 22, 2015 6:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax optimizing ideas for a large retirement acct withdrawl?
Replies: 6
Views: 769

Re: International bonds - VTIBX - bubble, short, stay

I think this is the original Bloomberg article: http://www.bloomberg.com/news/articles/2015-04-21/janus-s-gross-says-german-10-year-bunds-short-of-a-lifetime- http://finance.yahoo.com/q?s=bunt&ql=1 I agree with the idea, but unclear about timing. It's been a losing trade for a while, and like we...
by inbox788
Wed Apr 22, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: International bonds - VTIBX - bubble, short, stay
Replies: 7
Views: 960

Re: [What is safest vehicle on the road today that I can buy

Subaru Legacy http://www.iihs.org/iihs/ratings/vehicle/v/subaru/legacy-4-door-sedan/2015 EyeSight is an $800 option on the Legacy. It's described as "relatively affordable", which makes me think it's higher in other models. Analysts looked at claim data for 2011-2012 Volvo S60 sedans and ...
by inbox788
Tue Apr 21, 2015 8:38 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4515

Re: [What is safest vehicle on the road today that I can buy

If you aren't paying attention / nod off /... Giving cars SIGHT: General Motors to fit eye-tracking technology that reveals when a driver is not paying attention to the road Detroit car manufacturer is using technology made by Seeing Machines It will install half a million cars with eye-tracking de...
by inbox788
Tue Apr 21, 2015 8:23 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4515

Re: [What is safest vehicle on the road today that I can buy

". "accident avoidance" is marketing. It's all over before you have time to do more than hit the brakes and sometimes before that. Ok, you brake hard, narrowly avoiding the car in front, but Wizard is behind you and was sexting. :shock: Done. Curious why you believe accident avoidanc...
by inbox788
Tue Apr 21, 2015 8:17 pm
 
Forum: Personal Consumer Issues
Topic: [What is safest vehicle on the road today that I can buy?]
Replies: 83
Views: 4515

Re: “Entry level” luxury cars under 40k

I'll never really understand the aversion to car loans when the rates are dirt cheap. Where else can you get a 6 year loan at 1.99% or lower? And sometimes you can get cash incentive for refinancing the loan which equals more than the interest actually paid on the loan. From a fiance point, the pas...
by inbox788
Mon Apr 20, 2015 9:55 pm
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 93
Views: 7974

Re: engineers - please help with engineering school selectio

We have thought about all these questions. We understand the chances of acceptance are extremely low and vary year to year. He is on 7 wait lists and is following directions from each school. There are 2 schools in that group where the cost might be an issue, the rest are full need institutions. I ...
by inbox788
Mon Apr 20, 2015 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10039

Re: Am I saving too much for retirement?

What assumptions are you using to achieve 5.5% long term returns? What is you AA for these funds? TSM returns? Bond returns? Inflation? While your outcomes are possible, and you may even beat them in extremely good years (bubble), what if it's 1999 or 2007 again? Would you consider these outcomes av...
by inbox788
Mon Apr 20, 2015 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I saving too much for retirement?
Replies: 27
Views: 4664

Re: “Entry level” luxury cars under 40k

Entry level and luxury don't really go together. With the average new car costing over $30,000, you're not going to get too much for the extra $10,000. And I don't think you get 4WD at that average price, so add a few thousand for that option. Pick one: 1) small car - Luxury Brand (BMW, Audi, Lexus,...
by inbox788
Mon Apr 20, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: “Entry level” luxury cars under 40k
Replies: 93
Views: 7974

Re: Paying for GFs school - any way to help myself?

At first I thought MD in the username might mean doctor, but it can also mean Maryland. A 529 plan in Maryland allows a small deduction, but that would require getting married from what I can tell. http://www.finaid.org/savings/state529deductions.phtml There aren't that many benefits for parents to ...
by inbox788
Mon Apr 20, 2015 11:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying for GFs school - any way to help myself?
Replies: 76
Views: 4650

Re: need advice about a deferred annuity vs. total stock mar

Why are you looking at an annuity? How much of your retirement income will the $50k or annuity provide? Can you live without either if social security is in effect? I'm probably misusing firecalc, but here's some results: If you put $50k into firecalc and spend $0 for 15 years, you get: Here is how ...
by inbox788
Sun Apr 19, 2015 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: need advice about a deferred annuity vs. total stock market
Replies: 5
Views: 606

Re: noise-blocking headphones

I find they do nothing to cut conversation noise on an airplane if not playing music. Might just be me but I find it hard to hear voices well over the loud drone of the engines (which depends a lot on the particular aircraft and where you are seated), but these cut the drone far more than voices, s...
by inbox788
Sun Apr 19, 2015 6:09 pm
 
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 39
Views: 3073

Re: noise-blocking headphones

I find they do nothing to cut conversation noise on an airplane if not playing music. Might just be me but I find it hard to hear voices well over the loud drone of the engines (which depends a lot on the particular aircraft and where you are seated), but these cut the drone far more than voices, s...
by inbox788
Sat Apr 18, 2015 2:33 pm
 
Forum: Personal Consumer Issues
Topic: noise-blocking headphones
Replies: 39
Views: 3073

Re: engineers - please help with engineering school selectio

Still, he was either rejected or (mostly) waitlisted at all top private schools he applied to. It may be a longshot, and I don't want to raise any hopes, but some students are accepted off the wait list. How many wait lists is he on? What has he done about it? If accepted at any of the private scho...
by inbox788
Sat Apr 18, 2015 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 172
Views: 10039

Re: Inexpensive Smartphone

She is on a fairly new MVNO (Puppy Wireless) and pays $14.95/mo. for 350 messages, 350 texts and 35MB of data per month. FYI, we shut our data off (phone setting) unless we need it for a specific purpose such as looking up an address. This keeps cost down considerably but does limit functionality o...
by inbox788
Fri Apr 17, 2015 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 4002

Re: Would you buy a house without AC?

Evaporate coolers (aka "swamp coolers") might work in the South Bay. Not sure. Portable units are inexpensive and can easily cool a room if the humidity is low. How much water do these things consume? If drought conditions worsen, water may be more expensive than electricity! :shock: http...
by inbox788
Fri Apr 17, 2015 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without AC?
Replies: 60
Views: 4625

Re: Does 3-funds offer higher returns or lower risk?

Inbox 788: What age group does this portfolio apply to. Very low exposure to bonds there. Also what are they including in "alternative investments"? Can this portfolio be applied to someone's current age? Don't know, but these are the postings where the graph comes from. I assume the appr...
by inbox788
Thu Apr 16, 2015 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: Does 3-funds offer higher returns or lower risk?
Replies: 42
Views: 5744

Re: Etsy IPO account access

I bought some on my TD Ameritrade Paper Trading account at $32. Closed at $30, so losing position so far. Also shorted PRTY at around $20 or so. I would assume they'd work in actual account as well, but didn't try (or have any real interest in doing so). Are you looking at open market or were you vy...
by inbox788
Thu Apr 16, 2015 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Etsy IPO account access
Replies: 6
Views: 741

Re: Would you buy 1.5 M house without AC?

>I just can't imagine paying more than a million dollars for a house that didn't have a/c. If you can't imagine then maybe you haven't experienced California real estate. Adding AC to a California-type house, probably frame construction and single story, is probably not going to be very difficult. ...
by inbox788
Thu Apr 16, 2015 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house without AC?
Replies: 60
Views: 4625

Re: Brokerage Change - Interactive Brokers or Robinhood

When applying for the account, you agree to allowing them to liquidate your assets in order to meet your maintenance margin. This is probably true everywhere, though I've seen comments that IB is very quick to liquidate. I remember in the 90s getting a courtesy phone call from my discount broker, a...
by inbox788
Wed Apr 15, 2015 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Brokerage Change - Interactive Brokers or Robinhood
Replies: 26
Views: 2295

Re: Should I hold my Preferred Stocks?

Preferred stocks make up about 6% of my IRRA portfolio. Preferred stocks are not bonds. They're like a hybrid depending on the times. Compare returns to 50/50 or some other AA, not just all bond. How much time before they convert or are called? The 6% isn't a big decision, so I'd let costs and valu...
by inbox788
Wed Apr 15, 2015 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I hold my Preferred Stocks?
Replies: 7
Views: 692

Re: Inexpensive Smartphone

my 200 minutes per month plan with the cheapest data package costs $22 per month. It's impressive that you can get by on 200 minutes/month. I usually roll up between two and three thousand. There are individual days in which I break 200 minutes. I assume you're on an unlimited voice plan. There are...
by inbox788
Wed Apr 15, 2015 12:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 4002

Re: Raising well-adjusted children when you're "rich"?

I read a statistic the other day stating that the average American child receives something like 70+ new toys yearly. That's interesting, since I typically received 1 toy per year. I don't think it's good for kids to be given everything they want. They should be taught to fend for themselves; it bu...
by inbox788
Wed Apr 15, 2015 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Raising well-adjusted children when you're "rich"?
Replies: 43
Views: 3465

Re: Dental School Loan Repayment Strategy Advice

My plan was to use the “Mandatory Medical Residency Forbearance,” which would require me to make no payments while most of the loans continue to accrue interest. Alternatively, I can go into full repayment, or an income based repayment option. My thinking was that if I do any other repayment option...
by inbox788
Tue Apr 14, 2015 7:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Dental School Loan Repayment Strategy Advice
Replies: 9
Views: 1342

Re: Massive student debt @ 6.8%

Forgiven means you are not paying back part of your debt that you legitimately requested, incurred, signed for, received the benefits of, and faith fully promised to repay. That "forgiven" falls on the taxpayers to assume eventually either as part of their income tax or as part of reduced...
by inbox788
Tue Apr 14, 2015 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Massive student debt @ 6.8%
Replies: 62
Views: 6250

Re: Massive student debt @ 6.8%

Considering your massive student debt load and income level, I think you should plan to take PSLF, if at all possible. Seems like if you were making payments during your americorp service (see Q19 in link below), you should already be well on your way. https://studentaid.ed.gov/sites/default/files/...
by inbox788
Tue Apr 14, 2015 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Massive student debt @ 6.8%
Replies: 62
Views: 6250

Re: Inexpensive Smartphone

+ 1 on the Moto G Actually, i would put -1 for the Moto G as it does not support 4G LTE. The phone to get now is the successor, the Moto E. Both have multiple models, some 3G others 4G, so look carefully. Note, Moto E doesn't have a front facing camera or LED flash on the rear one, limiting photo c...
by inbox788
Mon Apr 13, 2015 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inexpensive Smartphone
Replies: 46
Views: 4002

Re: Can I incorporate stop loss into this investment philoso

When it goes down, buy more. Like someone else said, if you get stopped out, when do you come back in? I'm always fully invested, and it's my belief that having cash sitting on the sidelines is a long term losing proposition. So it always confuses me when people say "buy more", because I ...
by inbox788
Mon Apr 13, 2015 7:29 pm
 
Forum: Investing - Theory, News & General
Topic: Can I incorporate stop loss into this investment philosophy?
Replies: 31
Views: 1595

Re: Neighbor hired a surveyor. Should I be nervous?

You built it with the previous neighbor. You did nothing out of line. The new neighbor could probably take the fence down if he wanted to. I wouldn't worry. Perhaps he has a shed coming that has to be a distance from the property line and he wants to be sure. Interesting/complicated situation. Is t...
by inbox788
Mon Apr 13, 2015 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Neighbor hired a surveyor. Should I be nervous?
Replies: 49
Views: 6215

Re: how to deal with it [regret over past investing choices]

Albert Einstein said the definition of insanity is doing the same thing over and over again and expecting different results. You might be the definition of pessimist. How did you come upon $1.5 at age 30? Despite some tumultuous years, you seemed to have retained half of that. In 2008/9, many folks ...
by inbox788
Mon Apr 13, 2015 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5763

Re: Does 3-funds offer higher returns or lower risk?

What's your basis for saying it's not on the "efficient frontier"? Plugging in a 3-fund portfolio into the tool at PersonalCapital.com and seeing if it is on the efficient frontier. It is not. Most portfolios that are not generated by them aren't going to be by design. They use a 6 degree...
by inbox788
Mon Apr 13, 2015 11:59 am
 
Forum: Investing - Theory, News & General
Topic: Does 3-funds offer higher returns or lower risk?
Replies: 42
Views: 5744

Re: Specials Needs child, Lump sum or Annuity (pension)

One thing that's missing is the whole point of getting an annuity, and that's outliving the expected longevity, either yours or your special needs child. What happens is you live to 90 or 100 and run out of cash/income before then? or the trust runs out of cash? As long as you have considered that, ...
by inbox788
Sun Apr 12, 2015 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Specials Needs child, Lump sum or Annuity (pension)
Replies: 8
Views: 855

Re: Hypothetical End Game Scenario w/ 5M retirement account

IMOP, your expectations are being warped by the people you are working and socializing with. 50K/yr for a 2nd home? 100K/year for a primary home? 20-30K for a vacation? Most of the people I know are happy to spend 1/10 to 1/5 of that. And I do mean happy. They are having memorable vacations and liv...
by inbox788
Sat Apr 11, 2015 10:08 pm
 
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 7337

Re: One percent can mean a lot... (article)

My initial reaction is that of any boglehead - that they're ignoring the "other" 1% - the fees usually imposed by active management. However, I can't even imagine how many people are employed in this world solely because of the innumeracy of others. If they all became unemployed, what wou...
by inbox788
Sat Apr 11, 2015 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: One percent can mean a lot... (article)
Replies: 7
Views: 1929

Re: 3 Fund Vs Wealthfront suggested AA

1. Can you share your thoughts if this AA would be better than the 3 fund portfolio? 2. Anyone have experience with Wealthfront and willing to share your thoughts? 1. It's twice the work to manage and balance the proposed allocation. Some of the funds have higher EF than I'd like. 2. No personal ex...
by inbox788
Fri Apr 10, 2015 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Vs Wealthfront suggested AA
Replies: 11
Views: 1396

Re: What to do with old brokerage account?

Not the best solution, but if the goal is to avoid the expensive fees, consider Wellesley, Wellington or Balanced funds. https://personal.vanguard.com/us/funds/snapshot?FundId=0502&FundIntExt=INT http://quotes.morningstar.com/chart/fund/chart.action?t=XNAS:JALBX&region=usa&culture=en-US&...
by inbox788
Thu Apr 09, 2015 10:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with old brokerage account?
Replies: 13
Views: 1049

Re: Placing brokerage account into a living trust

Do most folks here put the brokerage accounts into living trust? Why keep them out? Does it depend on number of accounts? Types of accounts? Other factors? Transfer on death is an alternative, if your estate plans are simple. For typical folks (everything goes to spouse and kids evenly), when do thi...
by inbox788
Thu Apr 09, 2015 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Placing brokerage account into a living trust
Replies: 14
Views: 1182

Re: Named Beneficiary for IRA and other property vs. will/tr

Thanks for all the great comments so far. Option (2) above is mostly to prevent a situation whereby someone forgets to update his/her beneficiary designation after the end of a marriage followed by marriage to a new spouse. Both options avoid probate of the account. The account would pass outside yo...
by inbox788
Thu Apr 09, 2015 1:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Named Beneficiary for IRA and other property vs. will/trust
Replies: 6
Views: 630

Named Beneficiary for IRA and other property vs. will/trust

https://www.bogleheads.org/wiki/Probate#The_probate_estate I opened a Vanguard account and was offered the choice of: 1) Spouse by name 2) To the person I am married to at the time of my death Assuming they're one and the same (i.e. current spouse is person married to at time of death), is there any...
by inbox788
Wed Apr 08, 2015 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Named Beneficiary for IRA and other property vs. will/trust
Replies: 6
Views: 630

Re: Which mortgage is better to pay off?

Pay off your castle first, the rental last. There are two reasons for this - 1) this is the place you live in and 2) you receive certain tax benefits from the rental (complete interest expense write-off and depreciation that can be used to offset rental revenues dollar for dollar), your primary hom...
by inbox788
Wed Apr 08, 2015 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Which mortgage is better to pay off?
Replies: 18
Views: 1485

Re: The Detriments of Rebalancing

If the minimum return is 5% then the average will clearly be higher. Only using less than 5% market returns and even negative returns can you compare adequately. Even more importantly, WHEN the lagging returns happen matter greatly.
by inbox788
Fri Apr 03, 2015 2:47 pm
 
Forum: Investing - Theory, News & General
Topic: The Detriments of Rebalancing
Replies: 67
Views: 5789

Re: What to do with 300k cash - Invest or Buy home?

Are you saying the down payment is 20% of $300k? This means you could get a mortgage and still invest $240k? Same situation, but different way of looking at things is "what to do with 60k cash - invest or buy home?"
by inbox788
Fri Apr 03, 2015 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with 300k cash - Invest or Buy home?
Replies: 13
Views: 1879

Re: Worth buying a smart phone if you already have one for w

Do you work for the State Department? Seriously, it all depends on how much your work cares about separating personal use. Some government agencies and private companies essentially forbid personal use. You might not even be able to make a call to tell someone you're going to be late at work. Many c...
by inbox788
Thu Mar 26, 2015 12:12 pm
 
Forum: Personal Consumer Issues
Topic: Worth buying a smart phone if you already have one for work?
Replies: 25
Views: 2149

Re: Transition to retirement (passive income)

Need more information. How are you funding your retirement? Is your savings part of meeting your basic retirement needs or additional spending? Will you have heirs? How much do you want to leave them? https://www.bogleheads.org/wiki/Bogleheads%C2%AE_retirement_planning_start-up_kit Which of these su...
by inbox788
Tue Mar 24, 2015 4:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Transition to retirement (passive income)
Replies: 3
Views: 465
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