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Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

Livesoft is indeed suggesting market timing, and there's no way to know what the future holds for REITs or Emerging Markets. There are valuations and analyses that might suggest whether or not something is over/under-valued, but there's no silver bullet there. At the beginning of 2014, REITs were u...
by kenyan
Wed Dec 17, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 22
Views: 1869

Re: Would you invest $2500 or ?

I don't know you or your brother (obviously). I do have a sibling who isn't terribly dissimilar, though not quite as seriously dysfunctional. From a distant outsider's perspective, it simply sounds like you're the next 'mark' of a con man. Give him the $2500 as a gift if you wish, but consider that ...
by kenyan
Wed Dec 17, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Would you invest $2500 or ?
Replies: 21
Views: 1523

Re: We cut the (Cable/Satellite TV) Cord!

We cut time warner crap cable 12 months ago in favor of netflix and the savings allowed us to pay off our mortgage a month earlier than we would have been able to. There's more content on netflix than we can watch and haven't regretted it one bit. I helped convince the wife by pointing out that we ...
by kenyan
Wed Dec 17, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 3968

Re: Outdoor HDTV Antenna and DVR Setup

Check out Channel Master. We've used one and like it. http://www.cnet.com/products/channel-master-cm-7000pal/ I had one of these when they first came out, it was one buggy piece of hardware/software. We used it for a few years and to the point where they had it working well. They used to be made by...
by kenyan
Wed Dec 17, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Outdoor HDTV Antenna and DVR Setup
Replies: 40
Views: 2926

Re: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation quest

livesoft, difference seems to be though that I'm keeping with my allocations and staying the course. It seems like by trying to buy low and sell high/underweight when going down and overweight when going up that that's not staying the course. That's market timing. Former is easy to accomplish but l...
by kenyan
Wed Dec 17, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you own VTI, VB, VWO, VEA, VSS, VNQ? Allocation question
Replies: 22
Views: 1869

Re: We cut the (Cable/Satellite TV) Cord!

Will purchase HBO GO when GOT is back on next year. I hear that HBO will be selling HBO GO as a stand alone service without cable in the future. We plan to look into the same, for the same reason. Last I heard, the plan for the standalone HBO is to be offered in March, which is likely just in time ...
by kenyan
Tue Dec 16, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 3968

Re: We cut the (Cable/Satellite TV) Cord!

But what is the cost of your internet? I have also done away with cable, but only because I have cheap DSL that is capable of streaming....to some degree, depending on how many people in my house are on the internet. For me, it saves money, but only because I can live with DSL. In my area, if you w...
by kenyan
Mon Dec 15, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 3968

We cut the (Cable/Satellite TV) Cord!

Just a topic to discuss what people (who watch some TV) are doing to avoid the increasingly exorbitant fees charged by Cable/Satellite TV providers. We cut the cord last week. Though I'm not much of a TV watcher, my wife is, so this decision was resisted for a long time. Old setup Primary TV: DirecT...
by kenyan
Mon Dec 15, 2014 6:30 pm
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 3968

Re: Need help with men's exercise clothes please

Under Armour is what I wear nowadays. Definitely is a big improvement over cotton. Similar higher-end apparel such as Nike may be good, but I haven't been as fond of some cheaper stuff due to the difference in odor prevention. Note that though UA is not cheap, you can find ways to make it more palat...
by kenyan
Mon Dec 15, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: Need help with men's exercise clothes please
Replies: 54
Views: 2905

Re: What are your 2015 Financial Goals?

Top 3 goals: Max out 403(b) Max out SIMPLE IRA Max out His/Hers Roth IRAs We're close to achieving this for the first time for 2014; it'll depend upon whether we can find enough money early in 2015 to max out our 2014 Roth IRA contributions. The next two goals are more nebulous, but will happen if w...
by kenyan
Mon Dec 15, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: What are your 2015 Financial Goals?
Replies: 79
Views: 4948

Re: How do you contribute to your IRA?

Contribute throughout the year to both IRAs, with a regular monthly payment (less than $11000/12) and additional contributions when extra money is available (overtime, bonuses, tax refund, unexpected savings). If we can manage it in the future - i.e. Roth can be maxed without relying on unexpected/u...
by kenyan
Mon Dec 15, 2014 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you contribute to your IRA?
Replies: 33
Views: 1639

Re: Went "all in" Nov 17-21 in VTTHX (2035) - worried...

What's done is done. It no longer matters what you could have done in the past. Also - from Nov 17 to today, VTTHX is down less than 2%. That's what you're worked up about? Do not start trying to pull money out to time the market. That's the slippery slope to ruin. Well, maybe not quite ruin, since ...
by kenyan
Mon Dec 15, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Went "all in" Nov 17-21 in VTTHX (2035) - worried...
Replies: 25
Views: 2890

Re: Rent or Buy a House with Newborn On the Way!

Thanks for the recommendation of the tool of deciding to rent or buy. http://www.nytimes.com/interactive/2014/upshot/buy-rent-calculator.html?_r=1&abt=0002&abg=1 It is very interactive and helpful. One question, does this computation include any tax deductions on mortgage interest? If so, c...
by kenyan
Mon Dec 15, 2014 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Rent or Buy a House with Newborn On the Way!
Replies: 11
Views: 1358

Re: How do you figure out the best location to buy a house?

Our main criteria were - 1. Affordable 2. Close to work 3. Good public schools 4. At least ~1 mile from major freeways to avoid excessive noise and air pollution 5. Not on or adjacent to major thoroughfare to avoid noise pollution 6. Low crime rate All of those items were non-negotiable. There were ...
by kenyan
Mon Dec 15, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: How do you figure out the best location to buy a house?
Replies: 40
Views: 2733

Re: 529 advice for California based family.

California's plan is not good and we don't get any deduction so there is no point in sticking to it. Check the article below for Morningstar's ratings, NV's is ranked Gold. I don't know why you would say that California's plan is not good. It is one of the best plans out there, and has the cheapest...
by kenyan
Sun Dec 14, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 advice for California based family.
Replies: 13
Views: 1079

Re: Quick question: S&P 500 or Total Stock

Total Stock Market is preferable, but it's fairly minor overall and won't be the difference between retiring or not. Reasons to prefer TSM include - simplicity, better diversification/inclusion of the other 20% of the market, relative immunity to front-running. Reasons to prefer S&P 500 include ...
by kenyan
Wed Dec 10, 2014 3:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Quick question: S&P 500 or Total Stock
Replies: 18
Views: 1729

Re: 529 advice for California based family.

UTMA is an ok option, but I'm in the camp that it's not as desirable because it's the kid's money to do with as he/she pleases. For a "good" kid that won't be a problem, but I'd rather have a bit more control over my hard-earned money. I live in CA, albeit with a lower income than the OP, ...
by kenyan
Wed Dec 10, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 advice for California based family.
Replies: 13
Views: 1079

Re: U.S. stocks in freefall

cfs wrote:Don't anyone panic.

Don't anyone panic, the Santa Claus Rally is just around the corner !!!

Santa Claus Rally De-Fined ====> http://www.investopedia.com/terms/s/san ... effect.asp



The pessimists are on vacation? Seriously?!?
by kenyan
Wed Dec 10, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1051
Views: 183894

Re: New HTTPS security bug, Vanguard servers vulnerable

I only do any financial transactions or logins from my Home or Work desktops. Home network does have Wifi, but not on the desktop. Wi-Fi is WPA2-encrypted, with a non-broadcasting SSID. Interesting note - I recently signed up for the two-factor authentication offered by Vanguard, and have since been...
by kenyan
Tue Dec 09, 2014 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: New HTTPS security bug, Vanguard servers vulnerable[Patched]
Replies: 39
Views: 4135

Re: Why have more US than Intl Market Index?

I've never found most of the arguments to ignore international markets - Bogle's and Buffett's included - to be very compelling. The increased cost argument I agree with (though it is minimal nowadays), as well as the currency risk, though I don't mind currency diversification. I split 50/50*. No bi...
by kenyan
Tue Dec 09, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Why have more US than Intl Market Index?
Replies: 65
Views: 4041

Re: Simple IRA help

On the IRS website, it says: "you can contribute to a traditional and/or Roth ira even if you participate in an employee sponsored retirement plan (including a SEP or simple ira plan). If your income exceeds certain levels, you may not be able to deduct your entire contribution." This is ...
by kenyan
Wed Nov 26, 2014 10:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Simple IRA help
Replies: 3
Views: 397

Re: Simple IRA help

Questions: 1. My job doesn't offer a 401K However, they do offer a simple ira through TD Ameritrade with a 3% match after you've been working there a year. I started in March 2014, so I can start contributing in 2015 from my understanding. With Simple IRA's, can I choose any fund? They made it soun...
by kenyan
Tue Nov 25, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Simple IRA help
Replies: 3
Views: 397

Re: ETF return data location

To trick morningstar.com into showing you total return data on ETFs, rather than just price return, you can just grab a quote for a mutual fund (which defaults to total return), then type the ETFs you'd like to look at in the comparison box on the chart for "Growth of $10,000."
by kenyan
Mon Nov 24, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: ETF return data location
Replies: 4
Views: 251

Re: Can I max out day job 401k and Individual 401k for side

Here's a situation: 1) John maxes out his employer-provided 401k plan as an employee of a company ($17,500 in 2014). 2) John runs a side consulting business that will generate $30,000 in net income for 2014 -- can he establish an Individual 401k and contribute another $17,500 (or any amount, actual...
by kenyan
Wed Nov 19, 2014 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I max out day job 401k and Individual 401k for side biz?
Replies: 7
Views: 1111

Re: Heads up best reward credit card I've seen.

We started to use the Amex card one year ago, with a little bit of reluctance about the $75 fee, but since the 6% deal is so advantageous (this is $360 of savings over a year), we went for it, and this worked real well for us. MANY people use this card for groceries & gas. For us, the math on g...
by kenyan
Tue Nov 18, 2014 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 8220

Re: Heads up best reward credit card I've seen.

Sidney wrote:
kenyan wrote:We used to do a one-week vacation every year in Colorado that was 2600 miles round trip, doing the ~20 hour drive in one day each way,

Averaging 65mph is impressive.


Speed limit in Nebraska and eastern Colorado is 75, which made for 85-mph driving for much of it :D . We took shifts, as well.
by kenyan
Tue Nov 18, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 8220

Re: Paid off our Mortgage this evening!

Congratulations! Just another 29 years for us to say the same...

Ok, I do anticipate paying it off well before then, but we shall see.
by kenyan
Tue Nov 18, 2014 10:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Paid off our Mortgage this evening!
Replies: 75
Views: 8755

Re: Heads up best reward credit card I've seen.

For us, the Sallie Mae Mastercard is working well to fill in gaps in our optimal Cash Back plan. We don't spend that much on gas, so that $250/month limit (5% before, 1% after) on gas is immaterial. Wouldn't work well for you. I wish the groceries limit were a bit higher, as we blow through the $250...
by kenyan
Tue Nov 18, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 8220

Re: Heads up best reward credit card I've seen.

We have been known to drive to Orlando and back 2000 miles for 7-8 day vacation. If I did my arithmetic right, that is like 4 days of driving overhead for a one-week vacation. We used to do a one-week vacation every year in Colorado that was 2600 miles round trip, doing the ~20 hour drive in one da...
by kenyan
Tue Nov 18, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Heads up one of the better reward credit card I've seen.
Replies: 54
Views: 8220

Re: Buying a lasting vehicle

I don't think I'd buy a used Toyota/Honda/Subaru, unless it was >6 or so years old. The discount you get for buying late-model used on those makes doesn't seem worth it to me over buying new. For instance, at the time I bought my 2014 Outback, I could've bought a similarly equipped 2011 with 40k mil...
by kenyan
Tue Nov 18, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 4715

Re: Great camera to take pics?

Didn't read the whole thread, but I recently splurged (well, for me) on a Mirrorless Compact for my wife in order to get better pictures/videos of the children, who are now old enough that they aren't content to sit still in perfect lighting while we snap a shot with the smartphone. Ended up with th...
by kenyan
Tue Nov 18, 2014 10:29 am
 
Forum: Personal Consumer Issues
Topic: Great camera to take pics?
Replies: 44
Views: 5417

Re: FSA gains $500 rollover feature

Evolence wrote:Daycare FSA is limited to $5,000 / household.


And is sadly (particularly given the extreme inadequacy of the limit) not inflation-adjusted. We use that up in 3.5 months.
by kenyan
Tue Nov 11, 2014 10:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA gains $500 rollover feature
Replies: 42
Views: 3742

Re: Money saved by buying a hybrid or electric car?

In terms of recurring energy costs, a plug-in really wouldn't save me much in SoCal. Despite not being a particularly heavy electricity user, our marginal rate is typically $0.27-0.31 per kWh, and certainly would be up at the top tier if we had a electric car being charged every day. That rate drama...
by kenyan
Sat Nov 08, 2014 9:52 pm
 
Forum: Personal Consumer Issues
Topic: Money saved by buying a hybrid or electric car?
Replies: 81
Views: 6443

Re: Should I consider moving closer to work?

Commutes are tougher than you realize. A sizable percentage of your life wasted, especially if it's in a car. You are using up a lot of coping energy in a car. I live in SoCal, which is one of the places that people think nothing of spending 2-2.5 hours on a roundtrip commute each day. Some of them...
by kenyan
Wed Nov 05, 2014 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Should I consider moving closer to work?
Replies: 37
Views: 2594

Re: Roth IRA @ Max Income Bracket

Yeah. Sorry. I'm talking about converting my Rollover IRA to a Backdoor Roth IRA. Edit: okay. I got a few concepts mixed up in my head. #1 Would making after-tax contributions to a traditional IRA be hurting myself (per the question above) and #2 Would it make sense to convert my Rollver IRA to a R...
by kenyan
Wed Nov 05, 2014 3:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth IRA @ Max Income Bracket
Replies: 9
Views: 657

Re: What do you set your thermostat to (in F)?

We set it to 50 degrees! Just put on extra layers of clothing! Is that not the Boglehead way? I am in awe! I wish I could do that but we are closer to: 65 day 60 night I could probably go to 50 but the fights with my wife and kids would be too hard. Plus we have guinea pigs who would freeze unless ...
by kenyan
Tue Nov 04, 2014 9:58 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4612

Re: 2015 Suburu Outback

I purchased a 2015 Forester 4 months ago, my only advice, Don't bother with the forester, the upgrade to the outback is well worth it. Eyesight is a game changing technology and well worth the small up charge. Prepare for a painful purchase process, Subaru demand is exceeding supply, you will most ...
by kenyan
Tue Nov 04, 2014 10:49 am
 
Forum: Personal Consumer Issues
Topic: 2015 Suburu Outback
Replies: 52
Views: 5524

Re: Active bond funds better than indexes? Pimco thinks so

The funny thing is that Oppenheimer Core Bond Fund investors were not enjoying high returns http://s10.postimg.org/rsbxlux61/Captura_de_pantalla_2014_10_24_a_la_s_5_18_37_P.png before it fell over the cliff. http://s10.postimg.org/bsta2b149/Captura_de_pantalla_2014_10_24_a_la_s_5_19_01_P.png It is ...
by kenyan
Sat Oct 25, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: Active bond funds better than indexes? Pimco thinks so
Replies: 36
Views: 2602

Re: Mr. Market turns on Amazon

CyberBob wrote:In December of 2112 Amazon's P/E was 3,600 :shock:


What did Geddy Lee have to say about it, or was he mum on the topic?
:beer
by kenyan
Sat Oct 25, 2014 8:26 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4509

Re: Got my first cold call - does this mean I've 'made it?'

I definitely considered the 'mole' angle as another possibility. For some jobs, your work number may be out there and accessible to the general public (sales, service, etc.), but that is most definitely not the case with my job.
by kenyan
Thu Oct 16, 2014 1:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 30
Views: 5592

Re: Any active duty military familiar with TSP?

The TSP is truly excellent. I'm not active duty or retired military, but the TSP is commonly discussed here. The 'G' fund is what you want for bonds, it has characteristics that make it a free lunch of sorts (reward without risk/cost), at least in comparison to what is available to the general publi...
by kenyan
Thu Oct 16, 2014 1:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any active duty military familiar with TSP?
Replies: 19
Views: 1071

Got my first cold call - does this mean I've 'made it?'

Somehow, I received an investment adviser 'cold call' a couple of days ago at my work number. I'm on DNC lists at home. Not sure how this information got out - perhaps someone just randomly trying various extensions after looking up our corporate number? I might not be giving them enough credit on t...
by kenyan
Thu Oct 16, 2014 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 30
Views: 5592

Re: Can I put 52000 a year in my 403b (401k whatever)

The mega roth doesn't sound viable for me. Would the multiple work for me? Like can do a normal tax deferred 401k for 17.5k A roth 401k for 17.5k (at another facilities ) Plus employee matching Then maybe a 457b elsewhere (which presumably is irrelevant here) Is my thinking wrong? And yes my curren...
by kenyan
Thu Oct 16, 2014 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 2659

Re: Can I put 52000 a year in my 403b (401k whatever)

Don't confuse post-tax contributions with Roth contributions. They are different. 17.5k applies to both Roth and pretax contributions. Post-tax contributions mean that you've been taxed on them already (like a Roth) AND that you will be taxed on their gains later (unlike a Roth). They are, to put i...
by kenyan
Thu Oct 16, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 2659

Re: Can I put 52000 a year in my 403b (401k whatever)

If the limit at a job is 17.5k a year, what if I work at two different companies ? Could I legally max out both (as long as at least one Is entirely a roth)? Would be 35k/yr plus any matching No. "The amount of salary deferrals you can contribute to retirement plans is your individual limit ea...
by kenyan
Thu Oct 16, 2014 10:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 2659

Re: -11.33% YTD, asking for some guidance

I hate treating all my accounts as one. I have my retirement bucket, my emergency bucket and my current extra income for splurging bucket, each is invested differently and I don't even know how my overall allocation turns out, and keeping bucket portfolio works great in my case... We need to clear ...
by kenyan
Thu Oct 16, 2014 10:05 am
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3463

Re: Can I put 52000 a year in my 403b (401k whatever)

There are IRS restrictions (52k from all sources, 17.5k from employee pretax/Roth contributions), and there are plan restrictions (depends completely on plan). You cannot violate either. The IRS does not prevent after-tax savings above 17.5k, but your plan might. If your plan allows it, then you can...
by kenyan
Thu Oct 16, 2014 10:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 2659

Re: Why are 401k plans expensive?

I'm thinking that the OP is asking why does it cost a lot to administrate a 401k plan, not why many funds in said plans and/or plan fees can be expensive. The latter follows from the former. It's a good question, and one I have wondered about myself. Why is it that much more expensive to administrat...
by kenyan
Thu Oct 16, 2014 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 3157

Re: Fleeting RBD for large-cap US and emerging markets?

I believe the Livesoft RBD qualifies if it's intra-day. If he was quick enough, he should have bought (especially since there haven't been many of them in the past 1.5 years). 2.5% is his minimum threshold. Thanks. I believe it depends on a specified number of lows over a specified period of time, ...
by kenyan
Wed Oct 15, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: Fleeting RBD for large-cap US and emerging markets?
Replies: 16
Views: 1259

Re: -11.33% YTD, asking for some guidance

I think breaking the performance chasing / loss aversion mentality is a more pressing issue than improving the allocation. So the remedy is to do nothing and learn to live with the allocation you have for a while. I'm afraid that switching it up now in a panic is just more performance chasing under...
by kenyan
Wed Oct 15, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3463
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