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Re: What is your credit score?

810-820. Now that I froze my credit, that probably isn't going to matter much.
by kenyan
Thu Mar 05, 2015 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your credit score?
Replies: 38
Views: 1945

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

jheez wrote:.22%, mostly hurt by a large VFSVX (VG Intl Small Cap) holding and I'm limited to investor shares in my Vanguard 401k


Indeed, if I could purchase Admiral Shares rather than Investor shares in my 403(b), that alone would knock 6 bp off of my total portfolio ER.
by kenyan
Thu Mar 05, 2015 10:47 am
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 105
Views: 4893

Re: What video games are you currently playing?

Just got Trainyard on the Amazon App Store when it was free a couple days ago. Beat the primary levels; a few of the bonus ones are tough. Really wanted to play Bioshock Infinite but afraid of the commitment. Never finished Skyrim. Will probably go through Portal 2 again next free/crappy weekend. P...
by kenyan
Thu Mar 05, 2015 10:41 am
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 161
Views: 9163

Re: Structuring portfolio for easier re-balancing

Questions: 1. How can I structure my accounts for easier re balancing? It is hard to get more money into small cap or REIT when necessary if I also need a lot of bonds. I'm assuming you'd like to keep your tilts/slices. If you wish, you could add municipal bonds to your taxable portfolio. I would s...
by kenyan
Wed Mar 04, 2015 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Structuring portfolio for easier re-balancing
Replies: 3
Views: 377

Re: Have I made a terrible mistake? - whole life

smkrn wrote:Scenario B, where I walk away from the policy, buy term (assume $900/year for the same $750k coverage) and invest the balance ($9100 per year) for 35 years:


Assuming you're healthy, $750k in term life would be more on the order of $400 at your age, not $900.
by kenyan
Tue Mar 03, 2015 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have I made a terrible mistake? - whole life
Replies: 52
Views: 6016

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

A little higher than I'd like due to not having access to cheaper options in certain retirement plans (as well as some slice/dice costs). The egregious offender is the SIMPLE IRA at Oppenheimer, where I'm forced to pay over 200 bp, not counting the various other periodic fees. Portfolio ER drops eve...
by kenyan
Tue Mar 03, 2015 10:29 am
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 105
Views: 4893

Re: Do you consider mortgage payments as savings?

I consider additional principal payments above the required mortgage payment to be savings. I consider the payment itself to be an unavoidable expense. I consider the accumulated principal to be part of my net worth, albeit a fairly useless part of my net worth until it finally frees me from a large...
by kenyan
Mon Mar 02, 2015 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you consider mortgage payments as savings?
Replies: 298
Views: 11794

Re: REITs [Why did Vanguard's REIT lose 2% today?]

livesoft wrote:Yes, I would. I would also think about changing my rebalancing band to reduce rebalancings.


Precisely.
by kenyan
Thu Feb 26, 2015 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: REITs [Why did Vanguard's REIT lose 2% today?]
Replies: 33
Views: 3326

Re: Lower ER or better performance

(2) you implement this plan in a diversified, low-cost, tax-efficient manner can you explain a little bit about the "tax efficient"? I have Roth IRA, 401(A) and 403(b) accounts. Roth IRA has no tax issues. Then for 401(A) and 403(b), what tax issues shall I pay attention? Different funds ...
by kenyan
Thu Feb 26, 2015 3:29 pm
 
Forum: Investing - Theory, News & General
Topic: Lower ER or better performance
Replies: 16
Views: 908

Re: International increase in Target Retirement & LifeStrate

I don't invest in these funds (though I would recommend them to someone who wants simplicity), and my domestic/global split is 50/50. Nevertheless, I don't like it simply because it seems that they are always tinkering.
by kenyan
Thu Feb 26, 2015 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: International increase in Target Retirement & LifeStrategy
Replies: 138
Views: 9713

Re: Lower ER or better performance

The reason I ask is, when you have a lot of funds to choose from, which should be considered. Most people suggest to find the funds with lowest ERs. Almost no one suggest to look at the returns (sure, return only means past performance). fund performance is really hard to predict. Can you share how...
by kenyan
Wed Feb 25, 2015 11:45 am
 
Forum: Investing - Theory, News & General
Topic: Lower ER or better performance
Replies: 16
Views: 908

Re: How much did you have saved up for retirement at age 30?

At 30, I had only been out of graduate school for 2.5 years. Had perhaps $15,000-$20,000 in retirement accounts, $25,000-30,000 in taxable (E-fund + down payment savings), and $75k in school debt from the missus.
by kenyan
Tue Feb 24, 2015 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much did you have saved up for retirement at age 30?
Replies: 172
Views: 12261

Re: Buying a home in SF Bay Area

Sorry, I live in Foster City now and commute to Palo Alto along 92 and 280... Hate the commute so I want to be close to my job. I'm also looking for a new job and the place I buy or rent would be contingent on where I get the job. I'm looking at anything between San Mateo to Los Gatos (San Jose are...
by kenyan
Tue Feb 24, 2015 4:12 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 4168

Re: Buying a home in SF Bay Area

Also, PITI + HOA + PMI - your real mortgage payment - would not be the $2300 your friend quoted. It'd be more like $2300 (P&I) + $550 (T) + $100 (I) + $300 (HOA) + $300 (PMI) = $3550, ballpark. That number ignores maintenance, transaction, opportunity costs. Your actual principal payment in the ...
by kenyan
Tue Feb 24, 2015 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 4168

Re: Buying a home in SF Bay Area

I can understand not wanting to spend so much on rent, and I know that the rents are very expensive in the Bay Area right now. However, buying something is quite risky and most likely a mistake when you may be moving in the next few years. You're "throwing away" $3200/month on rent right n...
by kenyan
Tue Feb 24, 2015 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 4168

Re: A different approach to asset allocation

Excellent thread. Thank you for posting. Glad you enjoy it. I just noticed it's been two years since I posted an update. Equity exposure: $200K Net worth: $700K, up $910K since Q4 2008 Since 2005, my goal has been to trade for a living. As a grad student at the time, I read about people like Soros ...
by kenyan
Mon Feb 23, 2015 2:25 pm
 
Forum: Investing - Theory, News & General
Topic: A different approach to asset allocation
Replies: 1421
Views: 494791

Re: What % of your gross income do you spend on mortgage/ren

I certainly wouldn't want to represent my housing costs as just my principal + interest. For PITI: 17-18%. In reality, we pay extra on the mortgage, but I consider that to be savings that we could cease at any time, so I don't include it here. PITI + Maintenance: 20% (well, depending upon what the p...
by kenyan
Mon Feb 23, 2015 1:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of your gross income do you spend on mortgage/rent?
Replies: 155
Views: 8741

Re: What age do you guys plan to retire?

My current goal is age 55.
by kenyan
Mon Feb 23, 2015 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8588

Re: Which 401k option should I switch to? Should I stay put?

Also, does the number on a retirement fund just indicate the final date that asset allocation stops shifting (2035 vs 2040 vs 2050 etc)? Is that literally all it means? It doesn't assume it's "paying out" on that date or anything? For most of these funds, the asset allocation does not sto...
by kenyan
Thu Feb 19, 2015 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which 401k option should I switch to? Should I stay put?
Replies: 17
Views: 854

Re: What video games are you currently playing?

Picked up a Xbox One last fall. Played a lot of Destiny for the past few months, but have been easing off of it for a couple of weeks due to friends playing other games and having basically completed/mastered the current content. I anticipate I'll get back into it when the next expansion hits. Curre...
by kenyan
Thu Feb 19, 2015 12:18 pm
 
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 161
Views: 9163

Re: Roth IRA Contribution limit question

As others are getting at - you can have an IRA. Your spouse can have an IRA. They have nothing to do with one another. Whether or not you or your spouse can contribute to a Roth IRA, a deductible Traditional IRA, or only a nondeductible Traditional IRA depends upon your income tax status (filing sta...
by kenyan
Wed Feb 18, 2015 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Roth IRA Contribution limit question
Replies: 5
Views: 319

Re: Using the "10 year" and "Since Inception" to pick funds

Your premise is that (within an asset class) past performance, if long enough, is an indicator of future returns. What are some reasons that this might be true? Cost - This is the strongest indicator. If costs were low in the past, they should be low in the future, unless the fund changes philosophi...
by kenyan
Wed Feb 18, 2015 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Using the "10 year" and "Since Inception" to pick funds
Replies: 23
Views: 1650

Re: Is my pension safe?

Don't think that's a question that people on this board can answer. It depends upon your specific company, its prospects, and the state of its specific pension plan. The state of its pension plan can be reviewed (presumably you can get your hands on an annual report that looks at its actuarial fundi...
by kenyan
Wed Feb 18, 2015 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Is my pension safe?
Replies: 8
Views: 1045

Re: How to handle saving for a new home?

I would keep your savings in cash, rather than paying down your current mortgage. Definitely more flexibility/liquidity with cash. I'd also think about paying off the 5.5% car loan right away with your savings and putting the amount of the payment back into savings (so you'd be saving car payment +...
by kenyan
Tue Feb 17, 2015 4:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to handle saving for a new home?
Replies: 10
Views: 1021

Re: How often and how much should I raise the rent?

Haven't been a landlord, but I was a tenant for many years. We were model tenants, always paying on time, taking care of the place, not nitpicking over minor issues, and never being the source of complaints for other tenants. You know what got us to move (several times)? Rent increases. Now, rent in...
by kenyan
Tue Feb 17, 2015 4:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: How often and how much should I raise the rent?
Replies: 25
Views: 1624

Re: redo of my portfolio question.

1- Capital Gains for 2014 are 2,200 for target fund and 6,950 for Wellington...Is that a lot? If I sell, how could I do it in order to minimize the tax damages? One fund at the time over 2 years? or differently? 2- If I understand you well, it would be better to allocate a 3 funds portfolio spread ...
by kenyan
Tue Feb 17, 2015 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: redo of my portfolio question.
Replies: 5
Views: 389

Re: Bond investors...is there a crash on the horizon..!!

Vanguard Extended Duration Treasury ETF (EDV) is down over 11% in the past 2.5 weeks. We are already over half-way to a bear market in long term Treasuries. EDV is an interesting fund. Duration, 25 years. Turnover 17%. 2008- +55% 2009- -36% 2014- +45% 2015- +14% Paul Vanguard documents this fund as...
by kenyan
Tue Feb 17, 2015 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond investors...is there a crash on the horizon..!!
Replies: 43
Views: 3097

Re: redo of my portfolio question.

new portfolio. 1-I know my Target fund and Wellington in brokerage account are not tax efficient- should I sell and buy a simple 3-4 fund like total stock market index funds+total international index funds+total bond index funds or tax exempt bond fund for my brokerage account It may depend upon th...
by kenyan
Tue Feb 17, 2015 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: redo of my portfolio question.
Replies: 5
Views: 389

Re: When would you retire money no object?

Today. Currently in the 35-39 age group, so I selected that. Okay, maybe I would give my two weeks' notice, but I'll still be in that age group.
by kenyan
Tue Feb 17, 2015 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: When would you retire money no object?
Replies: 64
Views: 3279

Re: Traveling by car - estimating costs

ThankYouJack wrote:Driving entire way: 1,280

Driving: 10.5 - 11.5 hours


Yee-haw!
by kenyan
Tue Feb 17, 2015 10:40 am
 
Forum: Personal Consumer Issues
Topic: Traveling by car - estimating costs
Replies: 28
Views: 1508

Re: Friend's 401k offers regular deferrals, and Roth.

The $5,500 catch up is for the traditional IRA? Does this just mean she can add an extra $5,500 per year instead of just $18,000 per year if she is age 50+? $5,500 catch-up is part of the IRS-mandated elective deferral limits, and applies to either Traditional or Roth (or combination thereof). Yes,...
by kenyan
Tue Feb 17, 2015 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Friend's 401k offers regular deferrals, and Roth.
Replies: 7
Views: 352

Re: Health Insurer, Anthem, Hacked

Ironically, I had no problem with Equifax and TransUnion, but Experian said the process failed and has asked me to mail in a copy of my ID and a local bill. Maybe because this is I put a Identity Theft alert on my credit report from Experian's site last week? They "shared" the info with E...
by kenyan
Tue Feb 17, 2015 10:34 am
 
Forum: Personal Consumer Issues
Topic: Health Insurer, Anthem, Hacked
Replies: 99
Views: 8028

Re: Friend's 401k offers regular deferrals, and Roth.

For most people, Traditional 401k contributions are preferable. Here is an article with some examination.

http://thefinancebuff.com/case-against-roth-401k.html

Your friend also should take advantage of 'catch-up' contributions if she is able to save more. More free money.
by kenyan
Tue Feb 17, 2015 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Friend's 401k offers regular deferrals, and Roth.
Replies: 7
Views: 352

Re: Where to buy nice men's dress shirts?

I echo the posters who recommended Charles Tyrwhitt and Brooks Brothers. The former has some type of internet promotion throughout the year, and the latter offers one of the most comprehensive sizing stocks among large, specialty men's retailers. I wear a shirt and tie to work everyday. My "de...
by kenyan
Mon Feb 16, 2015 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6116

Re: Where to buy nice men's dress shirts?

I echo the posters who recommended Charles Tyrwhitt and Brooks Brothers. The former has some type of internet promotion throughout the year, and the latter offers one of the most comprehensive sizing stocks among large, specialty men's retailers. I wear a shirt and tie to work everyday. My "de...
by kenyan
Mon Feb 16, 2015 11:46 am
 
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6116

Re: 529 Lump Sum contribution for newborn

I took it to mean that his child was 10 years old, rather than a newborn.
by kenyan
Fri Feb 13, 2015 8:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 Lump Sum contribution for newborn
Replies: 31
Views: 1933

Re: Dusting wood floors -- robots and vacuums

We have a Roomba, but we never use it now that we purchased a house with 100% hard floors (bamboo other than kitchen and bathrooms). What I've found works for us is a Shark Lift-Away Pro with the dust mop extension. There is plenty to vacuum up each week - we do have two young children - and I get a...
by kenyan
Fri Feb 13, 2015 8:34 pm
 
Forum: Personal Consumer Issues
Topic: Dusting wood floors -- robots and vacuums
Replies: 19
Views: 1571

Re: College savings costs / number

Notice how I phrased my question so that no matter what the formula for the FAFSA is used, it has no bearing on the answer. Hah! I was responding to the older (pre-edited) version of your post, even though that's not the one the poster quoted. Anyhow, this is true, but I think your answer is presen...
by kenyan
Fri Feb 13, 2015 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 6385

Re: Tesla S

An electric car would only save me significant money if I also sprung for solar panels, or if gas prices go through the roof. Though I doubt gas prices will remain this low for long, at the current price of ~$2.70/gallon and $0.27-0.31 per marginal kWh, an electric car wouldn't save me squat if char...
by kenyan
Fri Feb 13, 2015 4:53 pm
 
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 610
Views: 73620

Re: College savings costs / number

And the answer is????? We're DINKS, so no skin in this game...yet. However not ruling out contributing to the university education of our relatives some day. What livesoft is getting at is that 529 assets are treated the same way as parents' taxable investments/assets (currently) in the FAFSA. They...
by kenyan
Fri Feb 13, 2015 4:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 6385

Re: House appraisal for a refi

I should have stated that we'll go with the appraiser ordered by a lender that we end up choosing, so my mistake for not stating that up front. Unfortunately, no equity in our house - at least very limited. We expect a pretty substantial paydown from our end at closing to meet a 90% CLTV requiremen...
by kenyan
Thu Feb 12, 2015 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: House appraisal for a refi
Replies: 10
Views: 843

Re: College savings costs / number

A little off-topic, but in my area, kids are still expected to pay their own way through college. I share that expectation for my kids (toddlers now), but imagine my grandkids will not be able to pay their own way, as costs are increasing too fast. I imagine that my attitude was more common in the ...
by kenyan
Thu Feb 12, 2015 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: College savings costs / number
Replies: 120
Views: 6385

Re: House appraisal for a refi

Go through the lender to get the appraiser. If you switch lenders, they will almost certainly switch appraisers as well, so it's doubtful that you could just get it appraised independent of the lender. They're not in cahoots anymore, but each lender has a 'bank' of appraisal agencies that they use. ...
by kenyan
Thu Feb 12, 2015 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: House appraisal for a refi
Replies: 10
Views: 843

Re: Which light bulbs are best bang for the buck?

Since you're specifically asking 'bang for the buck,' I don't think you can beat CFLs right now, though for seldom-used locations an incandescent might do fine. CFLs can be had for $1-2 these days, and are nearly as efficient as LEDs. There is the Mercury issue, as well as personal preference (poor ...
by kenyan
Thu Feb 12, 2015 11:15 am
 
Forum: Personal Consumer Issues
Topic: Which light bulbs are best bang for the buck?
Replies: 41
Views: 3478

Re: Where to buy nice men's dress shirts?

I've found the JAB shirts (Traveler style) to be far superior to the Department store shirts I used to get - Van Heusen, Geoffrey Beene, Kenneth Cole, etc. Haven't had any tears or wearing issues in the ~4 years I've owned them. My biggest problem is that nothing actually fits me. I'm relatively sho...
by kenyan
Thu Feb 12, 2015 11:08 am
 
Forum: Personal Consumer Issues
Topic: Where to buy nice men's dress shirts?
Replies: 84
Views: 6116

Re: Primecap

JohnFiscal wrote:
using fund ticker symbols but that is usually frowned upon in this forum.


A bit of a tangential question. Is this so? using the ticker is not good practice here? Use the full fund name only?


Fund name first, ticker second. Using tickers in isolation is frowned upon.
by kenyan
Wed Feb 11, 2015 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2596

Re: I've maxed out my Roth IRA and my 401K, now what?

Taxable investing is pretty great when you're in the 15% bracket, as long as it doesn't push you up to a higher bracket. 0% tax rate on on qualified dividends and capital gains. Might have to pay something to the state, though. You've specified retirement investing, but paying down your mortgage is ...
by kenyan
Wed Feb 11, 2015 10:54 am
 
Forum: Investing - Help with Personal Investments
Topic: I've maxed out my Roth IRA and my 401K, now what?
Replies: 14
Views: 1921

Re: Primecap

Obviously they have done well. They haven't really beaten the Large Growth Index (or TSM) over the past 5 years, but had a good run prior to that. Did well in 2014. Maybe I'd consider it - doubtful, but maybe - if I could actually invest in the funds at Vanguard, but I can't.
by kenyan
Tue Feb 10, 2015 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2596

Re: Fund Roth IRA or 20% down on house?

If those are the two options, I'd avoid the PMI. Yes, you'd miss out on that tax-advantaged space *forever*, but dollars paid to PMI are also dollars that are wasted *forever* with zero benefit to you, and you might not be able to get rid of it so easily (for example, if the market turns south or if...
by kenyan
Mon Feb 09, 2015 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fund Roth IRA or 20% down on house?
Replies: 11
Views: 991

Re: Why do 2 REIT funds (TRREX VGSLX) have such different yi

That chart would appear to be return which would be a combination of yield + stock value, right? When I look specifically at yield, the yield appears to be just above 2% for TRREX right now and about 125 basis points higher for VGSLX. Just trying to understand the discrepancy and if part of that is...
by kenyan
Fri Feb 06, 2015 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Why do 2 REIT funds (TRREX VGSLX) have such different yields
Replies: 6
Views: 979
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