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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 2:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 29
Views: 5136

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 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any active duty military familiar with TSP?
Replies: 19
Views: 875

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 12:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Got my first cold call - does this mean I've 'made it?'
Replies: 29
Views: 5136

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 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 2420

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 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 2420

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 11:19 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 2420

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 11:05 am
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3380

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 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Can I put 52000 a year in my 403b (401k whatever)
Replies: 27
Views: 2420

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 10:17 am
 
Forum: Investing - Theory, News & General
Topic: Why are 401k plans expensive?
Replies: 39
Views: 2986

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 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Fleeting RBD for large-cap US and emerging markets?
Replies: 16
Views: 1227

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 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3380

Re: Putting Active Management to the Test

Nice. Figured you were the OP, but apparently not, and he hasn't posted in two months. Hopefully we get people to stick around long enough for this one to show meaningful results. Still wouldn't prove anything either way, but might be enlightening to see if a manager-picker could do well ex ante.
by kenyan
Wed Oct 15, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Putting Active Management to the Test
Replies: 106
Views: 11557

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.
by kenyan
Wed Oct 15, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Fleeting RBD for large-cap US and emerging markets?
Replies: 16
Views: 1227

Re: U.S. stocks in freefall

garlandwhizzer wrote:The last 5 years has been up to now a consistent uninterrupted bull market which historically is overdue for a correction and has been for some time.

Garland Whizzer


I don't disagree with most of your post, but what about 2011? Peak-to-trough was -19% in TSM, -17.5% S&P 500.
by kenyan
Wed Oct 15, 2014 3:51 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156658

Re: Why does the stock market beat inflation?

Setting aside the fundamentals that drive stock market valuation for a minute, and looking at it from an investing standpoint - Let's say that you can invest in A or B. Investment A is highly volatile, unreliable, and could result in you losing nearly all of your money. Over the long term, you expec...
by kenyan
Wed Oct 15, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why does the stock market beat inflation?
Replies: 62
Views: 3066

Re: Headed for a 300+ point loss today?

Thanks Victoria and letsgobobby, good feedback. lgb, some time ago you mentioned a risk tolerance investing simulator. Was that a specific simulator you were working on, or were you speaking about risk tolerance quizzes/tests in general? Paul I think sometimes people understand risk better in dolla...
by kenyan
Wed Oct 15, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 430
Views: 28372

Re: T Mobile Free 200MB Data Per Month Global iPads

Pretty nice. I would go for this if I wanted to buy a new iPad, but my current tablet (2.5 years) is working fine and I have no desire to drop that kind of money in the near future. Mine doesn't have a 4G receiver, since I knew there was no chance I wanted to pay for a second data plan on top of the...
by kenyan
Wed Oct 15, 2014 10:19 am
 
Forum: Personal Consumer Issues
Topic: T Mobile Free 200MB Data Per Month Global iPads
Replies: 14
Views: 1045

Re: Should your AA change based on World Events?

No. There are always world events to worry about. Look up the lyrics to "We Didn't Start the Fire" by Billy Joel for his now-dated take. Are there exceptions? Well...hmm, I think that anything severe enough to constitute an exception might leave me scrambling to salvage anything I could in...
by kenyan
Tue Oct 14, 2014 10:42 am
 
Forum: Investing - Theory, News & General
Topic: Should your AA change based on World Events?
Replies: 22
Views: 1363

Re: How will we know if value-tilting has stopped working?

I don't consider the tilts to be a free lunch. They are called 'risk factors,' are they not? There is risk, which means the possibility of underperforming, even over long time horizons. I also don't see any reason why they should lose, which would mean that Large and/or Growth is outperforming. So.....
by kenyan
Tue Oct 14, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: How will we know if value-tilting has stopped working?
Replies: 44
Views: 3041

Re: U.S. stocks in freefall

Still up 3-4% on the year as of yesterday, not counting contributions. A healthy portion of bonds and REITs has helped in that regard, while my International and Small-Value slices have dragged me down.
by kenyan
Tue Oct 14, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156658

Re: Bought a house, now time to think about retirement (help

Looks like you're doing fine, as long as you didn't pauper yourselves on your house purchase. Because of your business, you have ample options for tax-advantaged savings. Solo 401k (possibly over $50k/year), His 401k ($17.5k plus match/year), two Roth IRAs ($11k/year, backdoor if necessary but shoul...
by kenyan
Mon Oct 13, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Bought a house, now time to think about retirement (help)
Replies: 27
Views: 1892

Re: ETF's instead of index funds?

Does anybody strictly use ETF's instead of index funds? It seems so logical to use them instead of Index funds since there are no minimums. Though people have responded with the correct terminology (based upon the intent of your post), what you mean to ask is "...ETF's instead of mutual funds&...
by kenyan
Mon Oct 13, 2014 11:23 am
 
Forum: Investing - Theory, News & General
Topic: ETF's instead of index funds?
Replies: 24
Views: 1336

Re: Market corrections and rebalancing band

I slice and dice, and I use 15% relative bands. Each slice can trigger a rebalance when it drops or rises above its threshold. When that rebalance occurs, I will attempt to get most if not all of the allocations back to their target, even if they weren't above/below their respective triggers. Is thi...
by kenyan
Sun Oct 12, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Market corrections and rebalancing band
Replies: 71
Views: 4057

Re: Best town I've never heard of [for relocating]

You know, I've never been there (aside from passing through), but I'd say Los Alamos, NM. Seasons, scenery/mountains, just over one hour from Albuquerque, highly educated and excellent schools. Santa Fe is close for jobs outside of scientific pursuits.
by kenyan
Sat Oct 11, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9645

Re: What have you done to cut costs this year?

1. Refinanced our mortgage from 4.75%/30 years to 5/5 ARM at 2.625%. 2. Continued to replace incandescent light bulbs with LEDs or CFLs. Only a few left that get any significant use, and those are hard to find good replacements for (candelabra base bulbs inside light fixtures that don't fit the CFLs...
by kenyan
Fri Oct 10, 2014 3:08 pm
 
Forum: Personal Consumer Issues
Topic: What have you done to cut costs this year?
Replies: 105
Views: 8121

Re: Another "Am I ready to buy?" post

I'm not a fan of purchasing when your living situation is still fluid and/or when your holding period may be short. You lose close to 10% off the top on round-trip transaction fees, and are taking a substantial risk on potential short-term losses. Yes, the Bay Area market is hot and has been for a w...
by kenyan
Wed Oct 08, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Another "Am I ready to buy?" post
Replies: 3
Views: 899

Re: diff share prices between investor, admiral, & ETF share

Why are there major differences between some vanguard fund share prices of investor, admiral, & ETF shares? I was under the impression they are the same products (ie tracking same index) except with different expense ratios in the case of investor versus admiral shares; and regular mutual fund ...
by kenyan
Wed Oct 08, 2014 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: diff share prices between investor, admiral, & ETF shares
Replies: 5
Views: 492

Re: TLH question

I think you can be reasonably confident in those not being classified as substantially identical, though as dbr noted, there are no clearly defined rules. Nevertheless, the two funds you are considering have different holdings (Vanguard fund holds small caps, for one, while the TIAA-CREF fund does n...
by kenyan
Wed Oct 08, 2014 10:04 am
 
Forum: Investing - Help with Personal Investments
Topic: TLH question
Replies: 4
Views: 259

New York 529 cuts costs again

The New York 529 plan has been the cheapest overall plan for a couple of years now, though there are a few select funds in some other plans that are offered with lower fees. Nevertheless, the plan just cut costs by over 6%! While that statement is technically true, the reality is that it was a cut o...
by kenyan
Mon Oct 06, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: New York 529 cuts costs again
Replies: 0
Views: 245

Re: S&P 500 Price chart by all-time highs

When looking at this time frame, you should look at inflation adjusted log charts. Then it becomes clear that we didn't really recover from the great depression till 1960, and what look like flat plateau's in the 60's and 70's were actually pretty severe downturns. http://img-fotki.yandex.ru/get/44...
by kenyan
Thu Oct 02, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 Price chart by closing milestones
Replies: 8
Views: 758

Re: Would you buy a house in cash if you had enough?

I would (assuming I didn't have to trigger a bunch of taxes to pay cash). Would simplify closing for an added benefit.
by kenyan
Thu Oct 02, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you buy a house in cash if you had enough?
Replies: 59
Views: 4332

Re: Buying more when markets are down

Given that this would represent an all-time high for the markets if it had occurred at any time in history prior to June, I can't get too excited about this 'buying opportunity.'
by kenyan
Thu Oct 02, 2014 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Buying more when markets are down
Replies: 61
Views: 5147

Re: U.S. stocks in freefall

I just bought. However, it had nothing to do with market movement, and was just due to finding unexpected money in our budget to contribute toward our Roth IRAs. Since I triggered a rebalancing band early last month (buying bonds), I don't anticipate further rebalancing being necessary unless the ma...
by kenyan
Thu Oct 02, 2014 11:03 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 156658

Re: POLL: Would you rather work half as long or half as ofte

backpacker wrote:Interestingly, the poll started out radically lopsided in favor of half-time for a full career. The numbers have been converging on 50-50 ever since.


Perhaps the early responders were those working 'half-time' and spending 'half-time' on the internet. :P
by kenyan
Tue Sep 30, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 4126

Re: Those under 35 with a child 5 or under: Costs of child?

I'm 36 as of 2 months ago, with a toddler. Sorry I can't be helpful. I am equally unhelpful, as I am 36 with a preschooler and a toddler. However, as a data point for those who think that perhaps the costs of the kid are related more to the kid than whether or not the parents are a couple years old...
by kenyan
Tue Sep 30, 2014 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Those under 35 with a child 5 or under: Costs of child?
Replies: 58
Views: 4412

Re: need for a backup credit card?

There are a few reasons I can think of that you might want a backup. 1. Fraud/security problems rendering your card unusable for a time. 2. Shopping at locations that don't accept Visa (few and far between, but Sam's Club is one for example) 3. Maximizing cash back - 2% is good, but there are certai...
by kenyan
Mon Sep 29, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: need for a backup credit card?
Replies: 37
Views: 1657

Re: POLL: Would you rather work half as long or half as ofte

For me, financial independence ASAP is the priority. There's really no difference between full-time work and half-time work. It's still work, and you're not free. I can't wait to be free of the need to work, and as a bonus, I can get out of this $#!%hole of a city I'm stuck in at the moment. Me too...
by kenyan
Mon Sep 29, 2014 4:04 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Would you rather work half as long or half as often?
Replies: 68
Views: 4126

Re: Rewards credit card advice

I realize that this issue has been discussed at length before, but I cannot find a thread with definitive answer.. For the FIA/BofA issued fidelity Investment rewards Amex card, is the extended warranty, car rental insurance, etc still handled by Amex Assurance? I have applied for warranty twice wi...
by kenyan
Sat Sep 27, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 66
Views: 46691

Re: Home Affordability [check my calculations]

Well, I suppose it was good of you to follow up with your decisions. It's unlikely you'll find any support on this board for the financial choices you've made, but you already know that. Those types of decisions are what lead high-income people to complain that they're just barely keeping afloat, an...
by kenyan
Sat Sep 27, 2014 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Affordability [check my calculations]
Replies: 85
Views: 5691

Re: Housing Market

Nobody knows where house prices are going. 5 to 6 times income is pretty darn steep, though, and your friend needs to look at his individual affordability rather than trying to guess the direction of prices. Rules of thumb get you into the ballpark, but you need to examine your individual situation/...
by kenyan
Thu Sep 25, 2014 10:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Housing Market
Replies: 4
Views: 614

Re: Is it bad to put 23k a yr in retirement if I only make 4

Hello, Thank you for all the follow-up it has been really helpful and me and my fiancée read over all of these together. If I could just ask an additional question. It seems like we shouldn't necessarily have 60k in our checking account. What are we supposed to do with it? The checking it is in now...
by kenyan
Thu Sep 25, 2014 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Is it bad to put 23k a yr in retirement if I only make 42k?
Replies: 29
Views: 3621

Re: Car buying/leasing...

Perhaps the time of year when the new model year is about to arrive, and the dealers need to clear space on the lot.
by kenyan
Wed Sep 24, 2014 6:17 pm
 
Forum: Personal Consumer Issues
Topic: Car buying/leasing...
Replies: 6
Views: 568

Re: Is it bad to put 23k a yr in retirement if I only make 4

As others have noted, I wouldn't necessarily place a nice round number goal in your 401k as your milestone for getting pregnant. Starting a family doesn't necessarily happen on the timeline you want it to, and delaying that due to financial goals might not be the best plan. Without giving too many d...
by kenyan
Tue Sep 23, 2014 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it bad to put 23k a yr in retirement if I only make 42k?
Replies: 29
Views: 3621

Re: First Time Home Buyer dilemma in SoCal

Hello Bogleheads: I am hoping you might be able to shine light on my goal on getting in the pool of home ownership as a first time home buyer...I am struggling with finding the best course of action on the path of investment. Please help. Background: My husband and I have been renting in Los Angele...
by kenyan
Mon Sep 22, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer dilemma in SoCal
Replies: 38
Views: 3414

Re: What can I do next?

I wanted to know what you think about my situation and where I should go from here when it comes to my finances. I max out my ROTH IRA and add some money to Vanguard total stock market index sometimes but I don’t know what to do with the rest of my money. I live my life to the fullest. I am have be...
by kenyan
Mon Sep 22, 2014 11:54 am
 
Forum: Personal Finance (Not Investing)
Topic: What can I do next?
Replies: 5
Views: 732

Re: How to achieve a balance between "saving" and "living"?!

My cautionary tale. My husband and I got married and had children early. Since we didnot save for retirement in our 20's, heck there was no such thing as Ira's or 401ks when we were 20, we went crazy in the savings mode. No vacations, no dinners out nothing. Fast forward to last year and my husband...
by kenyan
Sat Sep 20, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6666

Re: We have a grocery problem... [Household budget]

Maybe you should go out to eat more often? Or do take out. It might be cheaper. For us, Chinese takeout is about $30, but we don't eat everything at one meal. The $30 would be 6 adult meals. We dine in our favorite Tex-Mex place and not counting margaritas, $30 with a to-go box would be $30 and als...
by kenyan
Sat Sep 20, 2014 3:27 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10854

Re: How to achieve a balance between "saving" and "living"?!

As for really wanting something that would cut years off of my retirement, I had kids. :happy
by kenyan
Fri Sep 19, 2014 6:12 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6666

Re: How to achieve a balance between "saving" and "living"?!

There's no easy answer; it really depends upon you. This is a frequent concern around here, as the forum is filled with super-savers. Here's a recent thread: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=140344 One good thing is that you are truly ahead of the game. Very few people take re...
by kenyan
Fri Sep 19, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: How to achieve a balance between "saving" and "living"?!
Replies: 64
Views: 6666

Re: We have a grocery problem...

Family of 4 in a HCOLA. We are averaging about $700/month for groceries, and $125/month for restaurants. That's 100% food, though; I break out household sundries separately. Kids are young and don't eat that much, but still cost a fair amount due to the amount of fresh produce/fruit they consume. We...
by kenyan
Fri Sep 19, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: We have a grocery problem... [Household budget]
Replies: 158
Views: 10854
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