Search found 2300 matches

Return to advanced search

Re: Favorite portfolio tracking software

I use morningstar (free) for portfolio tracking, and employ excel for long-term history and rebalancing calculations. I used to use the T. Rowe Price portfolio manager, since you could get access to some paid features of morningstar (e.g. Portfolio X-ray), but it started to become more hassle than i...
by kenyan
Mon Jul 21, 2014 9:25 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite portfolio tracking software
Replies: 14
Views: 1725

Re: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth,

If my account balances were as above, I might tax-adjust my AA. However, my balances are much higher in my Traditional accounts than in my Roth accounts, and I don't bother with it.

edit: If I did, it would change my stock/bond split by one percent. Within the noise, hence not worth it IMO.
by kenyan
Mon Jul 21, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Do you "Tax Adjust" your Asset Allocation (Pre vs Roth, etc)
Replies: 76
Views: 3255

Re: how often do you look at your account

Couple of times a week on average, usually after new contributions have posted so I can update my spreadsheet. If I get too busy or am traveling, then I don't check. I might check more frequently when I know I am nearing a rebalancing band or a psychological milestone.
by kenyan
Mon Jul 21, 2014 9:56 am
 
Forum: Investing - Help with Personal Investments
Topic: how often do you look at your account
Replies: 70
Views: 3535

Re: beginner investor

Welcome to the forum! Kudos for thinking about getting started with retirement investing so young. I would personally pay off the unsubsidized loans, if you can, and direct the rest of your money toward avoiding taking any further unsubsidized loans, if possible. You can't get an 6.8% guaranteed ret...
by kenyan
Sun Jul 20, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: beginner investor
Replies: 5
Views: 440

Re: Saving for large house down payment in 6 to 7 years

Most Bogleheads tend to say you should have no money in stocks that you will need in less than ~10 years, but I don't agree. For what it's worth, I don't think having a small chunk of your portfolio in stocks for a 6-7 year timescale is that risky as long as either your timeline or price is at least...
by kenyan
Sun Jul 13, 2014 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for large house down payment in 6 to 7 years
Replies: 5
Views: 798

Re: What after-tax income could you live on today?

Family of four with two young kids in a HCOLA. I voted 60-65k, after eliminating day care and a few other expenses. Would be pretty tough once college comes around, though. Guess they would have to go to Community College, take out huge loans, or wait until the house is paid off. Obviously, we *coul...
by kenyan
Fri Jul 11, 2014 3:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: What after-tax income could you live on today?
Replies: 48
Views: 4910

Re: 32 Years old here. New at investing

Hello all, I currently have $47,000 split amongst a checking and savings account -$25k in Barclays at 0.9% -$23k in no fee checking at chase at 0% -$40k in precious metals.. bought in 2004 at $12k My income, -Self employed software developer make average $60k net after expenses on average. Here are...
by kenyan
Fri Jul 11, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 32 Years old here. New at investing
Replies: 3
Views: 1011

Re: Does a Precious Metals & Mining Fund Improve a Portfolio

Looks like since the fund's inception, VGPMX has earned 5.2% annualized, versus 9.5% for Vanguard 500 index. You'd have to earn Bernstein's 5% rebalancing bonus perfectly to make this worth it, and assume that this continues into the future. It might also be worth noting that wbern's article was wri...
by kenyan
Fri Jul 11, 2014 3:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does a Precious Metals & Mining Fund Improve a Portfolio?
Replies: 29
Views: 3065

Re: Why not include gold?

i think his recommended portfolio for his wife, 90 equities / 10 tbills is very boglehead..... That's an incredibly risk heavy portfolio and I personally don't think it really matches the Boglehead philosophy especially given her age. A more Bogleheadish setup would be 40-60% intermediate term bond...
by kenyan
Thu Jul 10, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Why not include gold?
Replies: 48
Views: 3727

Re: Amazon prime - how to get the best out of it?

We use the free 2-day shipping for several dozen orders per year. We do have a monthly subscribe-and-save shipment that does not benefit from Prime, but since we are Amazon Mom members, we get this order for 20% off. It is very rare that the shipment takes more than 2 days, and is frequently only 1 ...
by kenyan
Thu Jul 10, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5100

Re: Why not include gold?

This is incredibly misleading. Buffett keeps 10's of billions in TBills. This is a more extreme version of Bernstien's advocated position to keep your "bonds" of the highest quality and lowest risk. http://www.usatoday.com/story/money/business/2013/05/06/warren-buffett-federal-reserve-sto...
by kenyan
Wed Jul 09, 2014 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not include gold?
Replies: 48
Views: 3727

Re: Portfolio help(Update) What do you think of these DFA fu

I own DFCEX as my EM slice. I guess I must like it? I wouldn't necessarily switch to DFSVX from VSIAX if it's available. I guess that depends on how strongly you buy into factor analysis and/or the DFA 'Kool-Aid,' and whether or not you think its superior factor exposure can overcome its cost hurdle...
by kenyan
Wed Jul 09, 2014 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help(Update) What do you think of these DFA funds?
Replies: 11
Views: 855

Re: Why not include gold?

The Bogleheads' investment philosophy, straight from the wiki: Develop a workable plan Invest early and often Never bear too much or too little risk Diversify Never try to time the market Use index funds when possible Keep costs low Minimize taxes Invest with simplicity Stay the course Is gold incom...
by kenyan
Wed Jul 09, 2014 3:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why not include gold?
Replies: 48
Views: 3727

Re: How old is your OLDEST motor vehicle?

My very first automobile, which I purchased when it was 8-9 years old a mere 16 years ago, still qualifies as brand new in this poll (1990 model year). By year of production it just barely would've made the cut into 'old', as I'm sure it was produced in 1989. Alas, I had to get rid of it at 17 years...
by kenyan
Wed Jul 09, 2014 12:33 pm
 
Forum: Personal Consumer Issues
Topic: How old is your OLDEST motor vehicle?
Replies: 15
Views: 1274

Re: Is my SIMPLE IRA charging a reasonable fee?

A SIMPLE IRA has its own contribution limit, currently $12,000 for participants under 50. It's akin to a 401k limit, though it is lower (for no good reason other than the IRS says so). Transfers never count against a contribution limit. Nor do rollovers. Neither of these things are contributions. I ...
by kenyan
Wed Jul 09, 2014 12:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Is my SIMPLE IRA charging a reasonable fee?
Replies: 15
Views: 1198

Re: I am thinking of buying Ooma or Magicjack need help deci

I do not own a cell phone. I might be one of the last hold outs LOL. Do you guys think 5MB is fast enough? In my experience, the bottleneck for VOIP is not your download rate, but your upload rate. ISPs give us far less bandwidth to upload. For instance, I officially have a 10 Mbps plan, but I get ...
by kenyan
Fri Jul 04, 2014 1:07 am
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 2949

Re: Is now a bad time to invest?

July: This is one of the peculiarly dangerous months to invest in stocks in. The others are October, January, September, April, November, May, March, June, December, August, and February.

(apologies to Mark Twain)
by kenyan
Wed Jul 02, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to invest?
Replies: 100
Views: 8476

Re: How are you doing through the first half of 2014?

I do track my progress on a quarterly basis, though I only do rates of return annually. Since you asked, though, I'm up 16.5% YTD - not annualized, with just over half of that from contributions. My mid-year investment return, on an annualized basis, is a bit over 16%. Surprised that if this contin...
by kenyan
Wed Jul 02, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9313

Re: I am thinking of buying Ooma or Magicjack need help deci

We have Ooma and love it. Did this research a couple years ago when looking to purchase and decided that the quality upgrade would be worth the increase in cost, which really is minimal when amortized. I seem to remember that at that time, the 911 implementation on Ooma was better, but maybe that ha...
by kenyan
Wed Jul 02, 2014 10:09 am
 
Forum: Personal Consumer Issues
Topic: I am thinking of buying Ooma or Magicjack need help deciding
Replies: 52
Views: 2949

Re: How are you doing through the first half of 2014?

I do track my progress on a quarterly basis, though I only do rates of return annually. Since you asked, though, I'm up 16.5% YTD - not annualized, with just over half of that from contributions. My mid-year investment return, on an annualized basis, is a bit over 16%. Surprised that if this continu...
by kenyan
Wed Jul 02, 2014 9:48 am
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9313

Re: Best way to start building wealth as a teenager

I'm about to go into my junior year of high school. I've recently started a job, which I am expecting to make 4-5k annually over the next couple years. Also, I have one parent who contributes child support to my custodial parent, who has split this money between a savings and checking account in my...
by kenyan
Tue Jul 01, 2014 1:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Best way to start building wealth as a teenager
Replies: 28
Views: 2318

Re: Breastfeeding and baby formula

My wife tried to breastfeed both kids, but both quickly ended up on formula for different reasons. Child #1 was all Enfamil/Similac, mostly purchased through Amazon.com. There tended to be some pretty decent sales from time to time, though those mostly dried up later on in the year. Child #2 was nea...
by kenyan
Mon Jun 30, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Breastfeeding and baby formula
Replies: 24
Views: 1234

Re: The Millionaire Next Door: Are You One?

I'm not (yet) by either 2 comma status or PAW status, but the formulas used in the book are extremely unfriendly to younger people (which I believe the author has acknowledged). Not easy to accumulate many multiples of one's income when one has only earned - gross - a few multiples of said income an...
by kenyan
Mon Jun 30, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: The Millionaire Next Door: Are You One?
Replies: 187
Views: 22186

Re: Moving Money to V. Total Stock Market Index Fund

What matters is not how much you have to sell, but what the gains are on those investments. Here is what I would do in your shoes: 1. Ensure that you are not reinvesting dividends in the funds you want to sell. 2. Figure out what shares you have, if any, that are short-term (held one year or less). ...
by kenyan
Sun Jun 29, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving Money to V. Total Stock Market Index Fund
Replies: 13
Views: 1491

Re: YNAB on sale $15

It will probably be back to $15 on Steam on the last day of the current Summer Sale; they usually reprise all of their daily deals then. Don't know for sure, but the last day may be June 30.

I use YNAB on Steam, purchased for this price 9-10 months ago.
by kenyan
Fri Jun 27, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: YNAB on sale $15
Replies: 8
Views: 1382

Re: Directv

Netflix isn't just movies, there are lots of TV shows as well. Some Showtime (not current seasons of active shows) can be found there, such as Dexter, Weeds, Californication (back in the day, don't know the current status). It's similar with HBO, but they did just cut a deal with Amazon to allow acc...
by kenyan
Fri Jun 27, 2014 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 2417

Re: Vanguard Intl. Small - ETF vs Fund

The ETF does trade at a premium to NAV, but that in itself isn't a cost. It's only a cost if the premium/discount when you buy is greater than the premium/discount when you sell. Nevertheless, the premium does reflect the greater attractiveness of the ETF share class of this fund. I expect the mutua...
by kenyan
Thu Jun 26, 2014 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Intl. Small - ETF vs Fund
Replies: 9
Views: 666

Re: Directv

We dropped DirecTV almost a year ago... couldn't be happier. We have Amazon Prime, Netflix, and Hulu Plus. So we spend about $23/month on TV (although the Amazon Prime benefits are much more than just TV) and still have a lot of programming. DH misses sports, but he seems to be doing just fine with...
by kenyan
Wed Jun 25, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 2417

Re: Retired Bogleheads want to relocate to California

Agreed with the people suggesting SLO, though the climate (and options for entertainment) won't be the same as the big cities. Another suggestion is to live inland just a bit in an area with terrible schools. For example, portions of Hawthorne/Gardena/Lawndale are just a few miles from the beach, bu...
by kenyan
Wed Jun 25, 2014 4:02 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 6832

Re: Directv

Long-time customer of DirecTV here, and it's definitely a love/hate relationship. I'm an avid NFL fan of a non-local team, and the Sunday Ticket option has been important. Nevertheless, due to escalating costs, I did without it for a few years, patronizing the local sports bar instead. We've managed...
by kenyan
Wed Jun 25, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Directv
Replies: 36
Views: 2417

Re: Buy A New Windows Computer Now?

Just bought a computer last month; previous one was about as old as yours. The previous computer was having hardware/crashing issues that I had encountered before and fixed by replacing some components. Since I didn't feel it was worth my time to further diagnose/troubleshoot a computer that had per...
by kenyan
Wed Jun 25, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: Buy A New Windows Computer Now?
Replies: 53
Views: 2845

Re: Why buy a car with cash?

Financed my Subaru Outback last November and paid well under invoice. Price was negotiated without respect to financing, but I took the financing since it was 0.9%. I don't see paying cash as a determinant for collision/comprehensive insurance; you're taking a risk either way if you omit those types...
by kenyan
Tue Jun 24, 2014 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why buy a car with cash?
Replies: 83
Views: 6084

Re: Family Budget

I was never big on budgeting or checkbook balancing, since income was always > expenses. Did some rough budgets before major financial decisions, but that was the extent of it. However, when we purchased a house last year, expenses when up by quite a bit, and I wanted to get a better handle on where...
by kenyan
Tue Jun 24, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family Budget
Replies: 17
Views: 2071

Re: Can you time the housing market?

If you are buying a place for yourself, don't ever buy it based upon assumptions of future price appreciation above the rate of inflation. Buy it based upon the desire to own a house, and the desire to live there long-term. Financially speaking, it might be wise to buy if you will be better off than...
by kenyan
Tue Jun 24, 2014 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can you time the housing market?
Replies: 21
Views: 1640

Re: Poll: Dave Ramsey - Harmful or helpful?

rleonardh wrote:true, just pointing out you can do his approch using vanguard index funds.


There are many roads to Dublin, as a wise poster once (well, many times) said.
by kenyan
Mon Jun 23, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5062

Re: Poll: Dave Ramsey - Harmful or helpful?

Growth: Mid-Cap index/Total Stock Market Growth&Income: Star/Balanced Index AggressiveGrowth: Small-Cap index Forgin: Total International Stock Market/Emerging Market What is so bad about that? Do not want to agure about bonds at all here just talkin about how to implent his fund point of view....
by kenyan
Mon Jun 23, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5062

Re: Poll: Dave Ramsey - Harmful or helpful?

Once he helps them out of debt and they start investing, sure, he's giving them terrible advice. Nevertheless, they're still much better off than they were before, even if they join up with an ELP and invest unwisely. Dave suggests investing in "good Growth Stock Mutual Funds"' what is so...
by kenyan
Mon Jun 23, 2014 9:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5062

Re: Poll: Dave Ramsey - Harmful or helpful?

People don't go to Dave Ramsey when they have money to burn and are looking for advice on how to invest. They go to Dave Ramsey when they are in debt, can't get their finances under control, and need relief. Because of his audience, he does far more good than harm. Once he helps them out of debt and...
by kenyan
Mon Jun 23, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Dave Ramsey - Harmful or helpful?
Replies: 65
Views: 5062

Re: Is Medical School Worth it Financially?

Not going to go into the details of everything here, but I know a doctor in one of those 'lower paying' specialties, and he has always earned far, far more than his base salary due to productivity, call, etc. It's also a bit strange to use anecdotal salary info far above the median for computer scie...
by kenyan
Mon Jun 23, 2014 3:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is Medical School Worth it Financially?
Replies: 66
Views: 5033

Re: Which one would you choose?

It seems growth wise midcap is best, and total stock is great many times more spread out so it captures little bit of everthing. You are making the classic mistake that most novice and/or less informed investors make. You believe that by looking at past performance, you have a good guide into what ...
by kenyan
Fri Jun 13, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: Which one would you choose? [Mid-Cap vs. Total Market]
Replies: 12
Views: 763

Re: engineers - please help with engineering school selectio

Reputation of school can get your foot in the door for a job. After that point, it's mostly in how you perform (possible exceptions if you're not working in industry). However, if your son has plans to go to graduate school for engineering, the reputation of his undergrad institution does not really...
by kenyan
Thu Jun 12, 2014 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: engineers - please help with engineering school selection
Replies: 119
Views: 5253

Re: Analyze My Strategy & Portfolio

403b is far better than roth ira in your tax bracket. Also I think it's somewhat funny and very disturbing that your 403b offers vanguard tax managed international. Why is that funny and disturbing? There is little/no reason to have a "tax-managed" fund in an account that is tax-advantage...
by kenyan
Wed Jun 11, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Analyze My Strategy & Portfolio
Replies: 32
Views: 1568

Re: Analyze My Strategy & Portfolio

403b is far better than roth ira in your tax bracket. Also I think it's somewhat funny and very disturbing that your 403b offers vanguard tax managed international. Why is that funny and disturbing? There is little/no reason to have a "tax-managed" fund in an account that is tax-advantage...
by kenyan
Wed Jun 11, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Analyze My Strategy & Portfolio
Replies: 32
Views: 1568

Re: Why is VWRL underperforming it's benchmark so significan

You mentioned price vs total return. Shouldn't return be pretty close to price gain - i.e. roughly price gain less fund cost (51.48% - 0.25% AMC/TER). We're looking at a much larger difference here = 51.48% vs 40.7%. Price return vs total return is not about cost; it is about distribution yield. Th...
by kenyan
Tue Jun 10, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Why is VWRL underperforming it's benchmark so significantly?
Replies: 10
Views: 1459

Re: Any "Apps" you like?

I don't regard smartphones as secure, so I wouldn't dream of conducting important financial transactions on one. I'm worried enough about conventional computers, but we are probably stuck with that since the alternative is either telephone or snail mail, both of which are no more secure IMO. This h...
by kenyan
Mon Jun 09, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 3965

Re: Car for a long daily commute

Dag wrote:If the car has a 3.5 mm audio input, something like this might work.

http://www.amazon.com/Kinivo-BTC450-Blu ... B009NLTW60


Bought that for my wife's car; she has no complaints.
by kenyan
Mon Jun 09, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Car for a long daily commute
Replies: 75
Views: 5868

Re: Any "Apps" you like?

Since I started budgeting last year, YNAB.
by kenyan
Mon Jun 09, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 3965

Re: Bernstein: A Decade of Super-Low Returns

I respect his predictions (guesses) only slightly more than a few others'. He is going to be wrong, just like everybody else. Will he be less wrong? I don't really know. I don't do anything different - just follow my IPS. Granted, my IPS will undergo ten reviews/possible revisions over this timefram...
by kenyan
Mon Jun 09, 2014 2:58 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17129

Re: Who are the BogleHeads.org heavyweights?

Really, grok87 ? I was thinking you were dead on for at least half of the regular posters. I don't imagine the typical BogleHead as a regular partygoer. But I've only met one BogleHead (that I know of) in person, so I don't have a large selection to compare against. INTJ, and perhaps ISTJ, although...
by kenyan
Sat Jun 07, 2014 10:27 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 8829

Re: Young boglehead: Materials science, chemE, or mechE for

If you want to keep your tech startup options maximized, I'd go with Materials science out of those three, and stick to the electronics/photonics/nanomaterials side of things.

The other disciplines are fine choices as well, but have less overlap with tech startup skills.
by kenyan
Sat Jun 07, 2014 11:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Young boglehead: Materials science, chemE, or mechE for grad
Replies: 28
Views: 1928
Next

Return to advanced search