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Re: Should I use margin to buy a balanced fund?

Now you add to this the extra complexity, the expenses of non-Admiral Wellesley, and the chance of margin call, small as it may be, and I don't see how it can be worth it. If you find cheaper margin as suggested in some posts above, you might be able to pull this off. But my strong feeling is that ...
by madbrain
Tue Jul 29, 2014 6:43 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Should I use margin to buy a balanced fund?

market timer, I don't carry a margin balance like OP is considering. Rather, like Johno has been discussing, I have an unlevered position in futures, and park the excess cash in a high yield savings account or savings bonds to create what is effectively a negative expense ratio. If equity and bond v...
by madbrain
Tue Jul 29, 2014 6:39 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Bloomberg rates Large Company 401k plans

Google shows a score of 37 for match - but then the mouse-over text indicates it is 50% match up to 6%. Elsewhere in the rankings, a 37 is given for 100% match up to 6%. Apparently no one bothered to proof read the text and check it against the graphic! :oops: Also who decided on the weightings of ...
by madbrain
Sun Jul 27, 2014 11:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bloomberg rates Large Company 401k plans
Replies: 22
Views: 2232

Re: POLL: My home is worth less/more in 2014 than in 2007?

My previous townhome in Santa Clara is still about 15% below the peak in 2006-2007 . I did not vote because I no longer own it.
by madbrain
Sun Jul 27, 2014 9:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 82
Views: 3932

Re: Is tax deferment overvalued?

Another benefit that isn't mentioned in this thread with tax deferment is that you can avoid state income tax in some situations, if your earnings are in a state with high income tax, and you retire in a state with lower or no income tax.
by madbrain
Sun Jul 27, 2014 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Is tax deferment overvalued?
Replies: 20
Views: 2312

Re: Should I use margin to buy a balanced fund?

market timer, For futures that are settled daily, an ACH pull with a 3 day clearing delay might not work. It seems a wire has to be initiated from the sending side. TDAmeritrade actually credits my account with ACH transfers the same day they are initiated, provided they are initiated by 5pm NY time...
by madbrain
Sun Jul 27, 2014 6:07 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Why people believe index fund managers

Though the Bogleheads might like this one . https://medium.com/the-nib/why-people-believe-hedge-fund-managers-a15749bc1a93 https://d262ilb51hltx0.cloudfront.net/max/800/1*Thb7JdyAyd9lgkQJnirTJQ.png https://d262ilb51hltx0.cloudfront.net/max/800/1*ArQVypZr_G6X50ae6RVy5w.png https://d262ilb51hltx0.clou...
by madbrain
Sun Jul 27, 2014 4:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Why people believe index fund managers
Replies: 0
Views: 441

Re: Should I use margin to buy a balanced fund?

My futures broker, ThinkorSwim, has the daily sweep type of setup with my equity broker, TDAmeritrade. Cash is swept from one account to the other based on how futures move during the day. If cash is not available, TDAmeritrade will borrow against other holdings. A margin call is issued when the co...
by madbrain
Sun Jul 27, 2014 4:42 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Should I use margin to buy a balanced fund?

Under what realistic market conditions can a 40% stock/60% bond fund lose 40% of its value? We have recently seen stocks drop by more than 50%, but that would only equate to a 20% drop in fund value. Even if stocks drop by 80%, bonds would need to drop by 13.33% for the entire portfolio to lose 40%...
by madbrain
Sun Jul 27, 2014 4:30 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Should I use margin to buy a balanced fund?

Under what realistic market conditions can a 40% stock/60% bond fund lose 40% of its value? We have recently seen stocks drop by more than 50%, but that would only equate to a 20% drop in fund value. Even if stocks drop by 80%, bonds would need to drop by 13.33% for the entire portfolio to lose 40%...
by madbrain
Sun Jul 27, 2014 12:46 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Should I use margin to buy a balanced fund?

The most efficient setup would be for the brokerage to be attached to the high yield savings account, so that cash could be swept automatically from the savings account to the brokerage daily as futures are marked to market. Is that something brokerages will allow setting up for automatic use to me...
by madbrain
Sun Jul 27, 2014 12:38 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Should I use margin to buy a balanced fund?

Johno, 1. IMHO that's now too general a statement to be of much value as a response to my original post. I don't think so. The risk of flash crash is inherent to the strategy being discussed here. We don't know the magnitude of what the next one might be, but we do know that flash crashes exist in t...
by madbrain
Sat Jul 26, 2014 11:17 pm
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Should I use margin to buy a balanced fund?

1. The max intraday drop in the flash crash was around 10%. Wow. If only. :D Check out this link: ETF charts from flash crash I guess you have to define what instrument type you are trading, but during the flash crash, major ETFs took major, major MAJOR hits. We're talking about losing 60-90+% intr...
by madbrain
Sat Jul 26, 2014 12:26 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Should I use margin to buy a balanced fund?

I don't know the rate that CDARS currently pay, but I know they are FDIC insured and offer multi-million dollar limits vs the FDIC's $25k . I suggested an institution might be able to use that to implement this same strategy for multiple investors, rather than have each investor do all the work. CD...
by madbrain
Sat Jul 26, 2014 12:20 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Should I use margin to buy a balanced fund?

lee1026 wrote:Also, getting 100K in an IRA is non-trivial. It takes 20 years to get there. Getting 100K in just stock allocation is even harder.


Not if you managed to roll over after-tax 401k contributions to a Roth IRA (see: Mega backdoor Roth IRA thread).
Or rolled over regular 401k to IRA.
by madbrain
Fri Jul 25, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Should I use margin to buy a balanced fund?

Johno, 1. The max intraday drop in the flash crash was around 10%. My calculation (see earlier post) assumed leaving room for at least 20% drop via cash left at the broker (25% total). It's not impossible to exceed 20% intraday, I didn't say it was. But the flash crash is not an example of exceeding...
by madbrain
Fri Jul 25, 2014 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Android smartphone with physical keyboard

I forgot to note another requirement - I travel internationally and want a phone I can use abroad and unlock to use with foreign SIM cards for voice and data. Had a good experience with ATT. My phone was under contract, but I called them and asked for unlock code with explanation about using it abr...
by madbrain
Fri Jul 25, 2014 7:16 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: Android smartphone with physical keyboard

The tide may not turn, but I do think there are many people who prefer physical keyboards, surely enough to support at least one good Android keyboard phone in the marketplace. Although how many people use a phone for anything other than very brief emails. Most are texting and using FB based on my ...
by madbrain
Thu Jul 24, 2014 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: Android smartphone with physical keyboard

Have the manufacturers really given up on QWERTY phones ? It would seem so. I know many others who are frustrated by this, hopefully the tide will turn eventually. That's the free market for you. If enough people wanted phones with physical keyboards, there would be lots of great phones with physic...
by madbrain
Thu Jul 24, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: Should I use margin to buy a balanced fund?

Most brokers will just sell your stuff instead of asking for money. In my case, even with the rules I set up it's still my allowance. The monthly contributions as well as the extra "margin call" payment still come from my allowance. Are you excluding the possibility that "selling you...
by madbrain
Thu Jul 24, 2014 7:07 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Should I use margin to buy a balanced fund?

Now you've got the ~7bps cost to trade the futures every year, but even with 0% on the $50k, you're still earning .71% interest on the $200k, v. (conservatively).25% LIBOR implied in the futures price, .07+.25-.71= *minus* .39%, effective expense ratio, with the only real risk being that you get ki...
by madbrain
Thu Jul 24, 2014 2:18 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Should I Buy a Home Warranty

I too have a built-in Monogram, but black, not stainless, about 12 years old. It's a 42 inch model, which now come only in stainless or custom panels for about $9k list (I assume you could get it for less at Pacific Sales). Recently it has been making noises I don't like (either compressor or fan)....
by madbrain
Thu Jul 24, 2014 1:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 19
Views: 1335

Re: Should I use margin to buy a balanced fund?

She doesn't understand it and doesn't care to. But she does agree that I can do whatever I want with my "allowance" account. She has her own allowance that she can do as she wants. If you get a margin call doing this, she will wish that she understood it earlier. It won't just be your all...
by madbrain
Thu Jul 24, 2014 1:25 am
 
Forum: Investing - Theory, News & General
Topic: Should I use margin to buy a balanced fund?
Replies: 179
Views: 8874

Re: Over-contributing to 401k

2. Put half of my contributions in an after-tax 401k, and keep the other half pre-tax. I don't really like the idea of after-tax 401k because it I don't know what will happen to it when I leave this company and try to roll it over. I'd prefer keeping everything together. I'd do 2 - check the "...
by madbrain
Thu Jul 24, 2014 1:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Over-contributing to 401k
Replies: 4
Views: 715

Re: 401k bond options - should I make a change ?

I have very similar choices to yours. I'm sticking mostly to Vanguard Total Bond, with a bit on the sidelines in Stable Value. I had PIMCO Total Return for a while, but after a few years of underperformance vs. index, dropped it. It seems to me that the PIMCO fund is pretty close to Total Bond in r...
by madbrain
Thu Jul 24, 2014 1:11 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k bond options - should I make a change ?
Replies: 2
Views: 211

Re: Should I Buy a Home Warranty

An appliance is neither an expensive car nor a house. I don't insure at that level. How big is big to you? That's the question. The refrigerator we have is a huge stainless built-in Monogram . Last year the icemaker failed for the second time. We no longer had the home warranty - we dropped it the ...
by madbrain
Thu Jul 24, 2014 1:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 19
Views: 1335

Re: Should I Buy a Home Warranty

It depends how thorough your inspections were. When I purchased a huge foreclosed home 4 years ago, there were things we couldn't inspect in time for the bank's deadline, like the hot tub and sauna. We purchased a home warranty. These things were fixed by the home warranty because there was no known...
by madbrain
Wed Jul 23, 2014 11:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I Buy a Home Warranty
Replies: 19
Views: 1335

Re: Should market valuations be completely disregarded?

Another reason to rebalance: it automatically moves money from asset classes with higher valuations to ones with lower valuations. That works in theory, but it really depends on the asset classes you chose. I'm afraid it's possible for all the asset classes you invest in to go up, and for their val...
by madbrain
Wed Jul 23, 2014 11:34 pm
 
Forum: Investing - Theory, News & General
Topic: Should market valuations be completely disregarded?
Replies: 50
Views: 3750

Re: Should market valuations be completely disregarded?

I assure you that if they went up to $20/gal (real) very bad things would happen. Gas prices are already $8-$10 in much of the world. Very bad things don't happen specifically in those places because of gas prices. Actually, many countries with those gas prices build more public transportation infr...
by madbrain
Wed Jul 23, 2014 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: Should market valuations be completely disregarded?
Replies: 50
Views: 3750

Re: Should market valuations be completely disregarded?

Valuations matter, but there's nothing I can do about them. I consider it much like the price of gasoline...the price of gasoline matters to me, but I still have to fill my tank so I can drive to work regardless of the price. Well, sort of. It depends on how much the price of gas goes up: 2x Time t...
by madbrain
Wed Jul 23, 2014 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: Should market valuations be completely disregarded?
Replies: 50
Views: 3750

401k bond options - should I make a change ?

My 401k offers 3 bond options . Pimco Total Return Institutional PTTRX, ER 0.46% Vanguard Total Bond Institutional VBMPX, ER 0.05% Gailliard Stable Value fund (no ticker). ER 0.31% At this moment, I have about 38% or $170k invested in the SV fund . My new contributions are 100% directed to the SV fu...
by madbrain
Wed Jul 23, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k bond options - should I make a change ?
Replies: 2
Views: 211

Re: Made a $50k bet on Healthcare

More people insured does not necessarily equate to more spending. I work in healthcare and I can tell you first hand that there are massive spending cuts going on right now, lots of hospitals are going under, and much of the industry is downsizing. The focus is currently to significantly reduce spe...
by madbrain
Wed Jul 23, 2014 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Made a $50k bet on Healthcare
Replies: 49
Views: 7023

Re: Where is your brokerage account?

Fidelity, brokerage window in my 401k. That's it.
by madbrain
Wed Jul 23, 2014 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where is your brokerage account?
Replies: 41
Views: 2589

Re: Will not using my dishwasher cause problems?

Huh? Because I wash by hand. I never bought that "it's cheaper to run the dishwasher". It's using electricity and hot water. For one person it'd take 2 weeks to fill the machine. We are just 2 people and we run the dishwasher at least every other day. Lately we don't eat out and we do lot...
by madbrain
Wed Jul 23, 2014 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Will not using my dishwasher cause problems?
Replies: 41
Views: 1979

Re: Android smartphone with physical keyboard

Amazon has generic, capacitive styli starting at $1.38. Seems a cheap experiment. Edit: 5 for $1.29 At that price, I'd pay the $49 for two hour drone delivery, just to settle the question. The FAA hasn't approved the drone delivery yet. I believe Amazon expects the new rules by 2015. I wouldn't pay...
by madbrain
Wed Jul 23, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: Hw many credit cards to own?

grabiner, But you shouldn't care; both of those scores are good enough that you won't be denied credit or charged a higher rate based on the score. (The Trans Union score used by Credit Karma is on the same range as many versions of FICO, but it tends to be lower, which is why Credit Karma considers...
by madbrain
Wed Jul 23, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 69
Views: 4122

Re: Hw many credit cards to own?

Probably not much you can do but let the accounts age. You hit the credit reporting agencies' high achievers list when the average age of your accounts is over 11 years, and when your oldest account is over 25 years. If you are already there, there may be some issues on your report. Good to know ! ...
by madbrain
Wed Jul 23, 2014 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 69
Views: 4122

Re: Android smartphone with physical keyboard

Well, there certainly exist more phones that can be used with a stylus than that have a physical keyboard. But you never answered - could you use a stylus? I have never tried using one. I would have to see what the experience is like. And I'm not sure if your statement is true. As far as I'm aware,...
by madbrain
Wed Jul 23, 2014 9:06 am
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: Hw many credit cards to own?

I am trying to figure out how many credit cards to own. Currently I have an American Express card through Costco and a Capital One Quicksilver Visa. I just closed my US Bank Flex Perks Travel rewards card as I no longer travel, no longer want to pay the $95 annual fee, and the time to do so was opp...
by madbrain
Wed Jul 23, 2014 7:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 69
Views: 4122

Re: bogle indexing: Taiwan Investor

Are you not able to buy Vanguard ETFs with a broker in Taiwan ?
by madbrain
Wed Jul 23, 2014 6:42 am
 
Forum: Investing - Help with Personal Investments
Topic: bogle indexing: Taiwan Investor
Replies: 2
Views: 281

Re: Android smartphone with physical keyboard

Would you consider using a stylus for typing? My mother can't type on an on-screen keyboard, either, so she got a nice slimline case that holds a stylus with a soft rubber nubbin for a point. It's great. She's a lot faster with that pen than I am with my fingers. If so, all of the phones would work...
by madbrain
Tue Jul 22, 2014 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: Android smartphone with physical keyboard

It appears you can install Android apps onto the Blackberry platform (Q10 included) with the latest update. http://www.cnet.com/how-to/the-easiest-way-to-install-android-apps-on-bb10/ And possibly being able to run Jelly Bean 4.2 on the Blackberry platform: https://www.youtube.com/watch?v=NaZDhCBs9...
by madbrain
Tue Jul 22, 2014 10:04 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: Android smartphone with physical keyboard

madbrain, Interesting article, if you haven't already read it, regarding qwerty(keyboard) phones. http://www.theverge.com/2013/11/15/5104704/i-come-not-to-praise-qwerty-but-to-bury-it Yes, I have seen that article. I find it somewhat disingenuous for a few reasons. One is that he worked for the wro...
by madbrain
Tue Jul 22, 2014 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: Android smartphone with physical keyboard

LAlearning wrote:Why can't you type on a screen? Saying you absolutely cannot implies you have no fingers......


No, it doesn't imply that at all. I have offered many reasons before in this thread. A physical keyboard is a requirement for me.
by madbrain
Tue Jul 22, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: Android smartphone with physical keyboard

I have fairly large hands. A keyboard like those would be no better for me than the touch screen. In fact worse I think because I wouldn't have the UI features that come with a touch screen keyboard. This illustrates that different people have different needs. One size doesn't fit all . I'm really ...
by madbrain
Tue Jul 22, 2014 8:02 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: US car rental insurance for foreign tourist ?

I went to France, and bought the insurance. The question was for the reverse situation, my family from France coming to visit the US. The medical insurance issue has apparently been resolved from the other end. The auto insurance has not. My aunt just says she plans on renting the car and getting t...
by madbrain
Tue Jul 22, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: US car rental insurance for foreign tourist ?
Replies: 9
Views: 807

Re: Android smartphone with physical keyboard

I have the Samsung Galaxy S4 and use the voice recognition about half the time and type the other half. The voice recognition is surprisingly accurate. I'm not sure why/how the OP can type on the tiny fixed keys but not on a display screen, but voice-to-text is a valuable tool, except when in a cro...
by madbrain
Tue Jul 22, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: Android smartphone with physical keyboard

I found a bluetooth keyboard that works for me. I find larger size makes them easier to use. The one I have is battery operated (AAA); it does not need recharging. http://www.amazon.com/gp/product/B004MMESVY It does require more space though. The type of keyboard I was referencing in my post were m...
by madbrain
Tue Jul 22, 2014 7:12 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: Android smartphone with physical keyboard

steve_14 wrote:I use speech recognition almost exclusively on my Galaxy G5. 99%+ accuracy.


This is not practical for multiple reasons.
I want privacy - if there are people around, I don't want everyone to hear what I am typing.
Also, with my French accent, the accuracy of the speech recognition is far less.
by madbrain
Tue Jul 22, 2014 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741

Re: Android smartphone with physical keyboard

The Samsung Galaxy Note 3 supports a stylus and has a 5.7 inch screen You might be able to type using the stylus instead of your fingers. I had not considered this. I don't know if this is still pocketable, though. There are a lot of external keyboards in the $10-$20 range. Almost all of them are l...
by madbrain
Tue Jul 22, 2014 7:04 pm
 
Forum: Personal Consumer Issues
Topic: Android smartphone with physical keyboard
Replies: 38
Views: 1741
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