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Re: What are you up YTD?

The change in value of my investment holdings was +15.11% in 2014. This includes contributions made in 2014. Are you from Beardstown, Illinois? Nope, that is why I said change in value instead of rate of return and specified that the percentage included contributions. Perhaps I need to work on a wa...
by kenyan
Fri Jan 09, 2015 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 271
Views: 30054

Re: Just finished Bogleheads' Guide to Investing and...

1.) I have a peer to peer lending account that has consistently done well the last 3 years. Due to this I plan on making that my IRA as it's currently being taxed at my marginal tax bracket which is killing my actual returns. I don't qualify for a Roth but can backdoor in. My question is, using my ...
by kenyan
Fri Jan 09, 2015 10:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Just finished Bogleheads' Guide to Investing and...
Replies: 19
Views: 2814

Re: Bogleheads 2015 Hedge Fund Contest

I am sorry to say but this is a contest that someone can win, guaranteed. All you need is something in the rough order of 3000 * 2999 * 2998 * 2997 * 2996 * 2995 / 6! boglehead accounts, and you are set. Statistically, you probably need even less. Something like 3000 * 3000 accounts might be enough...
by kenyan
Thu Jan 08, 2015 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2015 Hedge Fund Contest
Replies: 112
Views: 9736

Re: What do you drive, and why?

2014 Subaru Outback Limited 2.5. Bought it new in late 2013 to replace my Infiniti G35 Coupe, which was no longer practical due to the emergence of two young ones. Plan on keeping it for a very long time. We settled on this car because: (a) we need a do-everything car that can handle family trips, i...
by kenyan
Thu Jan 08, 2015 11:21 am
 
Forum: Personal Consumer Issues
Topic: What do you drive, and why?
Replies: 185
Views: 14875

Re: SlingTV

DVR or not is irrelevant to this discussion. There are numerous options to have DVR functionality for over-the-air television.
by kenyan
Thu Jan 08, 2015 11:12 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3980

Re: WHY is retirement enjoyable / something to look forward

I can't wait to retire. I want the freedom.
by kenyan
Thu Jan 08, 2015 10:26 am
 
Forum: Personal Consumer Issues
Topic: WHY is retirement enjoyable / something to look forward to?
Replies: 237
Views: 20018

Re: SlingTV

I always get a kick out of people complaining about the high cost of cable or Directv,etc.It can cost how much to go to a play,concert or live sporting event?It cost over 20 bucks to go to a movie for two people without a discount ticket.For the monthly costs If you look at it a different way it is...
by kenyan
Thu Jan 08, 2015 10:24 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3980

Re: The Bond King says cycle closing and Cash is King

IPer wrote:
thenextguy wrote:Bond King? Well, I didn't vote for him.


ok I'll change it to Bond Dude or Bloke or something...!


Pshaw. You don't vote for kings. The Lady of the Lake, her arm clad in the purest shimmering samite...
by kenyan
Wed Jan 07, 2015 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: The Bond King says cycle closing and Cash is King
Replies: 22
Views: 3784

Re: The Bond King says cycle closing and Cash is King

Bill Gross has been good at managing a large bond fund. One thing he has not been good at is (public) prognostication.
by kenyan
Wed Jan 07, 2015 11:19 am
 
Forum: Investing - Theory, News & General
Topic: The Bond King says cycle closing and Cash is King
Replies: 22
Views: 3784

Re: SlingTV

For those that have dumped cable TV, how do you deal with the loss of the DVR? I don't record programs, so I never really needed one. I believe I still own a vcr in the basement if I was desperate. Tivo would probably be an appropriate solution for folks who want to record a lot of over-the-air tel...
by kenyan
Wed Jan 07, 2015 10:58 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3980

Re: SlingTV

Do you get HD with an antenna? You get crystal-clear HD with an antenna, assuming your reception is fine. Our antenna HD is better than our DirecTV HD was. As for loss of DVR - check out the Channel Master DVR+. There are other options, but if you don't want to pay any monthly DVR fees, it's the be...
by kenyan
Wed Jan 07, 2015 10:56 am
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3980

Re: Am I making a mistake pausing investing to save for a ho

Are you still investing in your 401k and/or IRA? There are provisions, particularly within IRAs, that allow for penalty-free withdrawals for house purchases. If you have flexibility in your purchasing timeline and purchase price, then a bit of risk in your down payment portfolio is fine, possibly ev...
by kenyan
Tue Jan 06, 2015 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Am I making a mistake pausing investing to save for a house?
Replies: 7
Views: 877

Re: SlingTV

No interest in it (cut the cord a month ago), but I like the direction it's moving. Hopefully we will eventually be able to select the channels that we want, instead of paying a huge premium on having every channel under the sun. Not sure if that would bring us back to paying for TV, though. Maybe i...
by kenyan
Tue Jan 06, 2015 3:34 pm
 
Forum: Personal Consumer Issues
Topic: SlingTV
Replies: 47
Views: 3980

Re: How do state taxes impact TBM?

Right, so it looks like half the holdings of TBM are taxable, however? Are MBS bonds taxable by state? Would a rough way to guess the tax consequence be this- 5% state income tax, 2% bond yield (half of which are taxable?) so 5% of 1% is 5 basis points tax consequence? GNMA bonds are taxable by sta...
by kenyan
Tue Jan 06, 2015 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: How do state taxes impact TBM?
Replies: 7
Views: 515

Re: How do state taxes impact TBM?

Treasuries are not taxed by states (capital gains are, but not interest). TBM is mostly treasuries. Vanguard will send you what percentage of its holdings are not taxable by state, and you can prorate your state taxes accordingly.
by kenyan
Tue Jan 06, 2015 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: How do state taxes impact TBM?
Replies: 7
Views: 515

Re: Good day to buy! (Or not!)

By 'good day to buy' do you mean 'worse day to buy than nearly every day in US stock market history?'

:)
by kenyan
Tue Jan 06, 2015 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Good day to buy! (Or not!)
Replies: 25
Views: 2570

Re: How Have You Increased Your Savings Rate?

A very easy way to do it is to just save half your raises... You get a $2000 raise, increase your savings by $1000 and your lifestyle by $1000. Do this for a decade or two, and you'll find yourself in your late 30s, early 40s, with a very solid savings rate, AND you'll have increased your lifestyle...
by kenyan
Tue Dec 30, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Have You Increased Your Savings Rate?
Replies: 50
Views: 5689

Re: Outdoor HDTV Antenna and DVR Setup

Our Mohu Leaf was giving us issues, particularly when rainy weather entered the area. Fine for UHF stations, not for VHF stations. I bit the bullet and bought an outdoor RCA ANT751 antenna to mount on our roof. I've had it up for a few days now, and everything has been flawless (including in the cur...
by kenyan
Tue Dec 30, 2014 10:08 pm
 
Forum: Personal Consumer Issues
Topic: Outdoor HDTV Antenna and DVR Setup
Replies: 50
Views: 5590

Re: How Have You Increased Your Savings Rate?

A very easy way to do it is to just save half your raises... You get a $2000 raise, increase your savings by $1000 and your lifestyle by $1000. Do this for a decade or two, and you'll find yourself in your late 30s, early 40s, with a very solid savings rate, AND you'll have increased your lifestyle...
by kenyan
Sun Dec 28, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Have You Increased Your Savings Rate?
Replies: 50
Views: 5689

Re: 401K - No Company Match

Grt2bOutdoors wrote:Max the 401k, the taxes alone are your incentive.


This.
by kenyan
Fri Dec 26, 2014 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K - No Company Match
Replies: 9
Views: 1376

Re: What % of net worth is your home?

HCOLA, and about 25% when using the purchase price of the house as the value. Based upon comps (like the house next door that sold earlier this month), value has increased by perhaps 8-10% since our purchase last year, but since we'd pay nearly that much in transaction costs were we to sell it, I do...
by kenyan
Fri Dec 26, 2014 10:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: What % of net worth is your home?
Replies: 127
Views: 10789

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: 36
Views: 4682

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: 1694

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: 4489

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: 50
Views: 5590

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: 36
Views: 4682

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: 4489

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: 4489

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: 4489

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: 55
Views: 3851

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: 102
Views: 8232

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: 1704

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: 26
Views: 3448

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: 1412

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: 3136

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: 1136

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: 1792

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: 1136

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: 1195
Views: 221115

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: 4491

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: 4349

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: 402

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: 402

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: 256

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: 1254

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: 11147

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: 11147

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: 10516

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: 11147

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: 11147
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