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Re: International in Taxable - Advantage?

According to the Wiki, http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement all other things being equal, if you can put your international allocation in taxable, there is a slight advantage. I get that if you have millions even a slight advantage makes a difference. But if you...
by leonard
Tue Sep 02, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: International in Taxable - Advantage?
Replies: 5
Views: 497

Re: Is a college degree really worth what it costs?

I think trades - electrician, plumbing, welding - have a very good payback these days. Many of the students taking up space and overpaying for a college degree would do well to learn a trade to make a good living. And, possibly form their own business in that trade once they have the experience.
by leonard
Tue Sep 02, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is a college degree really worth what it costs?
Replies: 33
Views: 1584

Re: Property or stock?

Why is renting real estate your second choice to investing? there are thousands of other viable business you could put the money in to. Why real estate?
by leonard
Tue Sep 02, 2014 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Property or stock?
Replies: 20
Views: 1402

Re: Do I need to see my credit report?

Just make the right financial decisions for you. Don't take actions that increase complexity - apply for more cards or whatever - just to try to manipulate the score. Waste of time.
by leonard
Tue Sep 02, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do I need to see my credit report?
Replies: 34
Views: 1309

Re: passing an IRA to a parent

Why not pay of the loan as you originally intended - presumably via your current cash flow?
by leonard
Tue Sep 02, 2014 3:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: passing an IRA to a parent
Replies: 5
Views: 481

Re: John Hussman, smart guy, should you listen to his foreca

Why exactly are broad, qualitative statements so compelling?
by leonard
Tue Sep 02, 2014 2:54 pm
 
Forum: Investing - Theory, News & General
Topic: John Hussman, smart guy, should you listen to his forecasts
Replies: 38
Views: 3867

Re: Fantasy football debt owed

So you're a part of an illegal gambling operation that has run into a dispute. The organizer ( we'll call him racketeer) has not made good on illegal gambling wins and you'd like to know what you should do about it? Really? It is a game of skill, not a game of chance, so its not gambling. http://ww...
by leonard
Tue Sep 02, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy football debt owed
Replies: 27
Views: 1763

Re: Fantasy football debt owed

So you're a part of an illegal gambling operation that has run into a dispute. The organizer ( we'll call him racketeer) has not made good on illegal gambling wins and you'd like to know what you should do about it? Really? Not sure if you're joking here. If you want to throw half the country in pr...
by leonard
Tue Sep 02, 2014 2:12 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy football debt owed
Replies: 27
Views: 1763

Re: Buying stocks

Did you review the "Getting Started" link provided in this posting

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=139130&p=2056716#p2056716
by leonard
Tue Sep 02, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buying stocks
Replies: 3
Views: 240

Re: Fantasy football debt owed

Keep in mind that even if the "league" collected up front - unless this money was put in to an escrow account of some sort - there's a chance you still wouldn't have seen the money anyway. BTW - did you seriously address some guy as the "commissioner" of the league? Would never b...
by leonard
Tue Sep 02, 2014 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Fantasy football debt owed
Replies: 27
Views: 1763

Re: Why is my 401k and taxable considered "One Portfolio"?

SuperSaver wrote:Practical question:
My 401k and taxable has equal balances ($200k each). If I truly follow Boglehead principles, and want 30% international exposure across my ONE portfolio, does it then follow I need 60% allocated to my taxable for maximum efficiency? That sounds crazy to put in one account.


Why?
by leonard
Tue Sep 02, 2014 1:44 pm
 
Forum: Investing - Theory, News & General
Topic: Why is my 401k and taxable considered "One Portfolio"?
Replies: 19
Views: 1492

Re: 100% Stock Thread Collection

Folks need to go back and read the "capitulation" threads that cropped up in 2007 and 2008. Many, many long term bogleheads that professed "buy, hold and rebalance" were posting threads about "selling everything". The point is that many people who are saying that they w...
by leonard
Tue Sep 02, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 55
Views: 3240

Re: Malpractice lawsuit from residency?

Your friends interest may or may not be aligned with prior insurance companies, prior "med ed departments", and prior insurance policies. I would advise spending at least a couple hundred bucks for them to consult their own attorney that specializes in such claims. And, let that attorney a...
by leonard
Tue Sep 02, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Malpractice lawsuit from residency?
Replies: 9
Views: 1268

Re: Help out family without compromising my own retirement?

So, your original post was a concern that you were "doing too much" that you needed to "draw the line" because you don't want to "compromise your own retirement". Note the quotes. These are all your own words. Yet, you don't seem to be willing to actually take action. ...
by leonard
Tue Sep 02, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 66
Views: 4606

Re: Zwilling Cookware (non-stick)?

I don't like cast iron because of its heaviness and bizarre upkeep. Bizarre upkeep. Huh. Not sure what you have had to do to yours. But, upkeep never takes me more than 5 minutes a week. And, since I never juggle it, the weight isn't an issue. And, without using metal utensils on non-stick, it stil...
by leonard
Tue Sep 02, 2014 8:20 am
 
Forum: Personal Consumer Issues
Topic: Zwilling Cookware (non-stick)?
Replies: 10
Views: 726

Re: Seeking wisdom and guidance

Cb wrote:The advice you've gotten so far is very good, but I don't think it would do any harm to put a percent or so into blackface Fenders.


I was thinking Verellen.
by leonard
Mon Sep 01, 2014 5:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking wisdom and guidance
Replies: 10
Views: 972

Re: No advantage of Slice and Dice vs 3Fund?

comparison of the 3fund portfolio vs 4fund vs coffeehouse (7fund): http://www.bogleheads.org/blog/the-coffeehouse-portfolio/ longterm (10yrs), they were all within 1% of each other. if so, then KISS theory says stick with the 3Fund? (kiss = keep it simple stupid) How much additional is 1% compounde...
by leonard
Mon Sep 01, 2014 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: No advantage of Slice and Dice vs 3Fund?
Replies: 44
Views: 2867

Re: Pay off student debt with family inheritance "loan"?

What precisely are you "buying" for $150k?

Since in theory the earning power that the $150k enables is at least in part the source for paying back the loan.
by leonard
Mon Sep 01, 2014 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pay off student debt with family inheritance "loan"?
Replies: 23
Views: 1398

Re: Zwilling Cookware (non-stick)?

Cast Iron. Cook everything with it. never wears out. Minimal upkeep.

Any non-stick pan I have tried is dead within 5 months of 2 to 3 meals a day. Worthless.
by leonard
Mon Sep 01, 2014 5:17 pm
 
Forum: Personal Consumer Issues
Topic: Zwilling Cookware (non-stick)?
Replies: 10
Views: 726

Re: SaveUp

So, you get to play a game - in exchange SaveUp gets a mountain of financial data for marketing. hmmmmm.....
by leonard
Mon Sep 01, 2014 5:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: SaveUp
Replies: 7
Views: 1413

Re: If you had an extra $100,000

Invest per AA.
by leonard
Mon Sep 01, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 58
Views: 5287

Re: Help out family without compromising my own retirement?

Thanks again for posting your advice and thoughts, everyone. Someone pointed out that cultural values may be in play here, and that’s correct. In the culture where I come from, adult children are expected to take care of elderly parents as well as siblings in need to some extent. Also in my culture...
by leonard
Mon Sep 01, 2014 4:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 66
Views: 4606

Re: Anyone used Vanguard Flagship Services With Portfolio $1

with the benefit of flagship - they doubled the number of options I have for never phoning them.
by leonard
Sun Aug 31, 2014 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Anyone used Vanguard Flagship Services With Portfolio $1M+
Replies: 41
Views: 4248

Re: How much money is too much for the 3 fund port?

The Asset Allocation math works at any level.

Are you sure you aren't just assuming you need to do something more complex?

Couldn't someone with a $10M portfolio afford to keep it simple?
by leonard
Sun Aug 31, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much money is too much for the 3 fund port?
Replies: 15
Views: 1606

Re: Why is my 401k and taxable considered "One Portfolio"?

Theoretical question: Each account has different investment goals (retirement vs. 15yr wealth accumulation).... Shouldn't they thus have different AA's? Practical question: My 401k and taxable has equal balances ($200k each). If I truly follow Boglehead principles, and want 30% international exposu...
by leonard
Sat Aug 30, 2014 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: Why is my 401k and taxable considered "One Portfolio"?
Replies: 19
Views: 1492

Re: Does anyone have 'Lazy Portfolios'?

I use a Merriman-type slice and dice approach, using VG funds and ETF's (not DFA).
by leonard
Sat Aug 30, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 72
Views: 4238

Re: Help out family without compromising my own retirement?

You do realize that valuing family is not the same as enabling unlimited freeloading, right? Yes. And you do realize most people's response to unemployed family members is not providing a map to the nearest homeless shelter? It depends. Sometimes providing financial help does not actually solve the...
by leonard
Sat Aug 30, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 66
Views: 4606

Re: 2M trust.. Interviewing Advisor.. Advice?

2 things you should consider: 1. In order to evaluate an Advisor - you need to know everything about managing the investments anyway - in order to evaluate their recommendations. All that you need to learn to evaluate is on this forum and the wiki. By the time you accumulate all that knowledge - you...
by leonard
Sat Aug 30, 2014 2:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 2M trust.. Interviewing Advisor.. Advice?
Replies: 11
Views: 1302

Re: When to invest in China?

What unique insights do we have on China that we don't have on Andorea or San Marino?
by leonard
Sat Aug 30, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: When to invest in China?
Replies: 43
Views: 1710

Re: Help out family without compromising my own retirement?

Some of the responses I've read here are very harsh and some of the expectations for these family members appear wildly unrealistic. If you come from a culture that values family, the responses suggesting that the OP give 30 days notice or kick his brother to a homeless shelter (on the assumption t...
by leonard
Sat Aug 30, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help out family without compromising my own retirement?
Replies: 66
Views: 4606

Re: Are hospitals allowed to do this? [Costs quoted vs. actu

For anyone who thinks they are increasing their leverage by threatening an attorney....in my office as soon as someone even implies legal action, we are done. Done. You have terminated the doctor-patient relationship and all further communication must take place through my malpractice attorney. It'...
by leonard
Sat Aug 30, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: Are hospitals allowed to do this? [Costs quoted vs. actual]
Replies: 98
Views: 6652

Re: A Low-Return Future? Are We Prepared?

My main rebuttal is that - as of yet - no one is able to see the future.
by leonard
Fri Aug 29, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: A Low-Return Future? Are We Prepared?
Replies: 179
Views: 10594

Re: Induction Range Worth the Price?

Worth every penny.
by leonard
Fri Aug 29, 2014 11:47 am
 
Forum: Personal Consumer Issues
Topic: Induction Range Worth the Price?
Replies: 14
Views: 1092

Re: Protecting one's bank account from PayPal

How do you protect your money from PayPal? I am concerned that any web interface that allows withdrawals from a bank account for the purpose of sending payments is a security risk. I have found that having a PayPal account is not optional, and that not having the account linked to a real bank accou...
by leonard
Thu Aug 28, 2014 8:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Protecting one's bank account from PayPal
Replies: 26
Views: 2272

Re: Confession: I bought a stock. What is wrong with me?

If your sister does have information that the market doesn't and told you - that's insider trading. Expect a knock on the door from the SEC. According to the SEC, insider trading needs to involve non-public information, generally confidential information to the business, and not simply just informa...
by leonard
Thu Aug 28, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 68
Views: 5678

Re: My New Car Buying Tips

I am not willing to turn this into a new used/new car debate, but I will say that when you purchase a used car, there is always a risk that you get a poorly maintained car, and sometimes poor maintenance may not show in inspections. And, with new, outright lemons and a laundry list of recalls from ...
by leonard
Thu Aug 28, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 89
Views: 11990

Re: Study: poor 5-yr U.S. returns -- overweight foreign?

Johno - if you can beat the market on a risk adjusted basis by manipulating your foreign stock split - simply do it. The more you convince people here you are right - the more competitors you have in the market eroding your exclusive information. I have no illusion that I will be able to beat anyone...
by leonard
Thu Aug 28, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Study: poor 5-yr U.S. returns -- overweight foreign?
Replies: 47
Views: 3175

Re: Confession: I bought a stock. What is wrong with me?

If your sister does have information that the market doesn't and told you - that's insider trading. Expect a knock on the door from the SEC.
by leonard
Thu Aug 28, 2014 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Confession: I bought a stock. What is wrong with me?
Replies: 68
Views: 5678

Re: Study: poor 5-yr U.S. returns -- overweight foreign?

Changing an allocation in part due to valuation is not necessarily 'market timing'. That's precisely what market timing is. Then it's turning 'market timing' into a scare word which loses its meaning, because it's clearly irrational to strictly exclude valuations from allocation decisions. Search t...
by leonard
Wed Aug 27, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: Study: poor 5-yr U.S. returns -- overweight foreign?
Replies: 47
Views: 3175

Re: Study: poor 5-yr U.S. returns -- overweight foreign?

No less a soul than Father Jack himself has changed allocations based, at least in part, on the assessment of market valuations. He moved from 80% to 25% in one swell foop. Check this out: https://www.youtube.com/watch?v=k6ra5POdsYg&index=2&list=FLGVD_BiiSQfZZztsFvzSK1g No less a soul than ...
by leonard
Wed Aug 27, 2014 6:37 pm
 
Forum: Investing - Theory, News & General
Topic: Study: poor 5-yr U.S. returns -- overweight foreign?
Replies: 47
Views: 3175

Re: Study: poor 5-yr U.S. returns -- overweight foreign?

Search this forum. Read through the bogleheads guide and several other key "boglehead" books. A common theme is that one should set their AA based on their own need, desire, and ability to take risk. That's it. Period. They should not adjust their AA based on what market is doing - based ...
by leonard
Wed Aug 27, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Study: poor 5-yr U.S. returns -- overweight foreign?
Replies: 47
Views: 3175

Re: Questions for Landlords

Add $10 to each months rent to cover the final clean up. Then you pay it. At that point - you don't have to go through the stress of checking to see if it was cleaned by the renter. Getting frustrated if it wasn't. Withholding cleaning deposits and then having renters sue you in small claims court o...
by leonard
Wed Aug 27, 2014 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Questions for Landlords
Replies: 22
Views: 1447

Re: Study: poor 5-yr U.S. returns -- overweight foreign?

Changing an allocation in part due to valuation is not necessarily 'market timing'. That's precisely what market timing is. Then it's turning 'market timing' into a scare word which loses its meaning, because it's clearly irrational to strictly exclude valuations from allocation decisions. Search t...
by leonard
Wed Aug 27, 2014 5:09 pm
 
Forum: Investing - Theory, News & General
Topic: Study: poor 5-yr U.S. returns -- overweight foreign?
Replies: 47
Views: 3175

Re: How to safely sell a big ticket item online

If it's really that much of a concern, close the transaction as follows: 1. Go to the Buyer's Bank. 2. Open your own account. 3. Go to teller window with buyer 4. Do a Xfer via teller directly from buyers account to your account within the same bank (in that case there is not opportunity for "b...
by leonard
Wed Aug 27, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 2292

Re: How I beat Indexing... in 1 hour

Had I lost $5000, I never would have tried the endeavor again. Buy hard to go against a company named #1 in MIT's "smartest companies list. I also knew from engineering friend that 3-D printing is wave of future FARO and ILMN were solid bets ITMN was a chance: only 1-product company! SouthWest...
by leonard
Wed Aug 27, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 55
Views: 7542

Re: Study: poor 5-yr U.S. returns -- overweight foreign?

A new study using CAPE ratios estimates that there is a high probability that the U.S. stock market will experience a 30% drawdown within the next 5 years. http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2470935 Many foreign developed and emerging markets are at better valuations, and should pro...
by leonard
Wed Aug 27, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Study: poor 5-yr U.S. returns -- overweight foreign?
Replies: 47
Views: 3175

Re: strategy to get brokerage bonuses

Keep it simple applies to the logistics of investing - not only the portfolio itself. Financial institutions: make mistakes with transfers, missplace cost basis on xfer. Only takes correcting one of these mistakes to generate a enough time and phone call follow ups to totally consume any benefit. E...
by leonard
Wed Aug 27, 2014 2:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: strategy to get brokerage bonuses
Replies: 50
Views: 3059

Re: strategy to get brokerage bonuses

Fewer movements, fewer transactions, fewer opportunities for error. I'll go through a bit of complexity to net thousands of dollars. I won't. It only takes one problem and hours of beating ones head against the wall to fix it. That time and frustration can easily eat up a couple thousand dollars wo...
by leonard
Wed Aug 27, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: strategy to get brokerage bonuses
Replies: 50
Views: 3059

Re: strategy to get brokerage bonuses

but the bit about the signature is just pretty bogus as I've never experienced it and in fact the only custodian I hear of that is into that is Vanguard. Bogus. I had a huge headache moving from ML to Vanguard due to signature guarantees. Do a search of this forum and you will see many, many folks ...
by leonard
Wed Aug 27, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: strategy to get brokerage bonuses
Replies: 50
Views: 3059

Re: Schwab Windhaven Funds vs Vanguard 3 Funds

Way too complicated. Select an Asset Allocation. Sell 100% of the Windhaven stuff. Fully invest in the new AA at either Schwab or Vanguard. This concern over VG "availability" vs Schwab is unfounded. Once the AA is set up - there are very few "emergencies" that can't wait until t...
by leonard
Wed Aug 27, 2014 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Schwab Windhaven Funds vs Vanguard 3 Funds
Replies: 22
Views: 2097
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