Search found 1612 matches

by neurosphere
Sun Aug 30, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: What to do now--update on drowning in low interest debt
Replies: 15
Views: 1585

Re: What to do now--update on drowning in low interest debt

-- Stop all contributions to the 529 plans. You cannot afford to pay for your children's college with your current income, spending habits, and total debt. When the debt is paid off and the spending is under control and your retirement is on track, then you can look into college. This strategy is be...
by neurosphere
Sat Aug 29, 2015 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: Is this 401(k) even worth it?
Replies: 16
Views: 972

Re: Is this 401(k) even worth it?

A couple of additional pieces of information may help answer the question of whether you should contribute to your 401k or not. 1) Is there a match (as has been already asked)? A match is free money, and if there is a match you should always contribute to get the full match. 2) Do you see this job a...
by neurosphere
Sat Aug 29, 2015 2:31 pm
Forum: Investing - Theory, News & General
Topic: Dogs of the Dow? - woof woof
Replies: 16
Views: 2242

Re: Dogs of the Dow? - woof woof

I have half of my large cap stocks in the Vanguard Value index, and the other half in the SP500/Total Market. If the Dogs of the Dow is considered a value play, can I call my tilt to value a "Dogs of the SP500" portfolio? I also tilt towards value in my small cap stocks. So I also have a &...
by neurosphere
Thu Aug 27, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Shopping for disability insurance
Replies: 9
Views: 1244

Re: Shopping for disability insurance

I'm in favor of longer elimination periods (i.e. 180 vs 90). The way I look at it is, if I'm NEVER disabled before 65, a longer elimination period saves me money every year, and sometimes quite a bit. If I DO become disabled, what have I lost? I've lost 3 months worth of payments. Yes, the dollar am...
by neurosphere
Wed Aug 26, 2015 12:40 pm
Forum: Forum Issues and Administration
Topic: hitting the "up" icon on a touch screen
Replies: 1
Views: 780

hitting the "up" icon on a touch screen

I have a surface pro computer (which I LOVE by the way, despite being skeptical at first). When viewing the forum I frequently use the icon which is at the bottom right of each post, which is a "jump back to the top of the page" button. But when using a touch screen, it doesn't register my...
by neurosphere
Wed Aug 26, 2015 6:02 am
Forum: Investing - Theory, News & General
Topic: John Greaney reviews Vanguard Personal Advisor Services
Replies: 14
Views: 1890

Re: John Greaney reviews Vanguard Personal Advisor Services

I agree it's just as nuts as a percentage for real-estate transactions.... The amount of work does not increase as the asset size changes. I personally think it's a step backwards for Vanguard - but it will no doubt make them more money, so I will benefit anyway. I also really don't like the AUM mo...
by neurosphere
Tue Aug 25, 2015 4:32 pm
Forum: Investing - Theory, News & General
Topic: Long term bonds in VBTLX/VBMFX
Replies: 35
Views: 3981

Re: Long term bonds in VBTLX/VBMFX

I am now thinking the opposite: that long term bonds are an optimal holding for long term investors. If you are holding to maturity, there is no interest rate risk, and you get a higher average and fixed yield. I'm curious about your reasoning for this opinion. I'm personally very comfortable with ...
by neurosphere
Tue Aug 25, 2015 9:55 am
Forum: Investing - Theory, News & General
Topic: [spurned advisor purports there is a Vanguard] Class Action Suit?
Replies: 43
Views: 5312

Re: Class Action Suit?

It seems that this advisor is a liar. :annoyed

Thank goodness this is a firm you are transitioning FROM rather than TO.
by neurosphere
Sun Aug 23, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth Clarification
Replies: 11
Views: 1371

Re: Mega Backdoor Roth Clarification

It does not matter when you do the qualified rollover contribution to your Roth IRA, other than if earnings accumulate in the after tax sub account (and you do not split the rollover between Roth and TIRA), the taxes due on the earnings will be in the year of the rollover. You might want any tax du...
by neurosphere
Sat Aug 22, 2015 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Mega Backdoor Roth Clarification
Replies: 11
Views: 1371

Re: Mega Backdoor Roth Clarification

I have a question about the timing of after tax 401 contributions, and in-service rollovers to a Roth IRA. From a convenience standpoint, does it matter if the contributions are make in one calendar year, and the rollover done in another calendar year? I.e., is tax reporting easier if the after-tax ...
by neurosphere
Fri Aug 21, 2015 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Conundrum
Replies: 8
Views: 511

Re: TLH Conundrum

livesoft wrote:
And why do I now feel like I am growing horns and an udder?


"Livestock". Livesoft, I think you have yet another alias. It's gonna stick. Or would that be "livestuck"?
by neurosphere
Fri Aug 21, 2015 4:46 pm
Forum: Investing - Theory, News & General
Topic: Interest rate forecasts are garbage and best ignored
Replies: 20
Views: 1961

Re: Interest rate forecasts are garbage and best ignored

The colored lines show the predictions that economists made of the 10-year Treasury rates. http://s17.postimg.org/qlfifd2kf/Captura_de_pantalla_2015_08_07_a_las_9_58_38_AM.png I wonder if anyone who made a prediction of rising rates last week, would make the same prediction today, based on the even...
by neurosphere
Fri Aug 21, 2015 2:17 pm
Forum: Personal Consumer Issues
Topic: Visiting New York City this weekend. What pizza should I try?
Replies: 53
Views: 4016

Re: Visiting New York City this weekend. What pizza should I try?

... Of course, if you're a true Boglehead, grab a slice of $1 pizza from 2 Bros. or 99 Cent pizza (best enjoyed while walking). It probably isn't there anymore (I haven't been in the City since 1995) but when I was driving gypsy back in 1987 there was a pizza joint on the corner of 1st Avenue and 6...
by neurosphere
Thu Aug 20, 2015 12:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1992
Views: 381553

Re: U.S. stocks in freefall

By shear coincidence I moved 20% of my stock portfolio to cash last night, for the sake of a long-overdue rebalance. Haven't done it yet today and am looking at a small pile of cash. Maybe I should wait before buying? This could be the start of a 50% stock market decline! Shoot, now I'm going to hav...
by neurosphere
Thu Aug 20, 2015 11:50 am
Forum: Investing - Help with Personal Investments
Topic: BAM Alliance
Replies: 17
Views: 1437

Re: BAM Alliance

Thanks, Taylor. But do you think this is good for someone with a more 'complex' situation? Is this what you've done with most of your money??? How has the outcome (returns) been? In my opinion, the more "complex" your situation, the simpler your portfolio should be! The three fund portfol...
by neurosphere
Sat Aug 15, 2015 10:31 am
Forum: Investing - Theory, News & General
Topic: Looking for a graph that shows how much of your Investment Gain is taken by different ERs
Replies: 17
Views: 929

Re: Looking for a graph that shows how much of your Investment Gain is taken by different ERs

There is a presentation I put together a couple of years ago which is on the wiki which has such a graph, courtesy of vanguard. Go to this link and look at slides 12 and 13: https://docs.google.com/file/d/0B6SoAmi6m0vnQVBzWVIxSS1YUnc/edit?pli=1 It shows the effect of a 0.25 ER and a 0.9 ER. I then m...
by neurosphere
Mon Aug 10, 2015 7:09 am
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5820

Re: Congrats to Laura Dogu

Ambassadorships are political and this thread should be locked.... Kidding! Congrats! Neurosphere Some ambassadorship appointments are indeed political in nature, but not the ones that go to career professional diplomats like Laura. As the list linked below makes clear, there is a very explicit dis...
by neurosphere
Sun Aug 09, 2015 1:44 am
Forum: Local Chapters and Bogleheads Community
Topic: Congrats to Laura Dogu
Replies: 61
Views: 5820

Re: Congrats to Laura Dogu

Ambassadorships are political and this thread should be locked....

Kidding!

Congrats!

Neurosphere
by neurosphere
Sun Aug 09, 2015 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Former Housemate Owes Money - What to do?
Replies: 97
Views: 6127

Re: Former Housemate Owes Money - What to do?

1) If you do decide to contact parents/friends, be VERY civil, to the point and brief, i.e. something like "I'm trying to contact person X because I need to deliver a final bill/request for reimbursement for mutually agreed upon living expenses. I have been using email Y and cell number Z, but ...
by neurosphere
Wed Aug 05, 2015 8:36 am
Forum: Personal Consumer Issues
Topic: Men's dress shirts - Charles Tyrwhitt shirts on sale for $29
Replies: 33
Views: 5526

Re: Men's dress shirts - Charles Tyrwhitt shirts on sale for $29

Looking for some advice from CT-shirt fans around here. I recently bought a few shirts from Charles Tyrwhitt (15'' collar by 35'' sleeve, extra slim fit) and the fit just isn't write. Though the collar size and sleeve length are perfect, the shirts are way too tight in the chest and shoulder - to t...
by neurosphere
Wed Aug 05, 2015 8:09 am
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 8487

Re: Allan Roth Says Not to Load Up on Muni Bonds

And because money is fungible, you are not getting a 5% "yield" on your bond if it is currently worth more than you paid. And when thinking about whether you might sell that bond and buy a different one, it is the yield to maturity of your existing bond vs the new bond which is the releva...
by neurosphere
Tue Aug 04, 2015 12:50 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth Says Not to Load Up on Muni Bonds
Replies: 101
Views: 8487

Re: Allan Roth Says Not to Load Up on Muni Bonds

I have a lot of muni bonds that we bought in 2009. Most of those have been called and cashed out. I still have a few left, and I would like to post an example here and ask you to explain what you are saying, because I am not getting it. I fully believe I am getting 5% or even more on most of my bon...
by neurosphere
Sun Aug 02, 2015 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Physician Asset Protection
Replies: 35
Views: 3903

Re: Physician Asset Protection

Hey Everyone, I have recently finished my fellowship and starting a new phase in life. Given the current litigious society, we are starting to think about asset protection from malpractice suits. Anyone have any advice? Thanks! Isn't that what malpractice insurance is for? What do you do for asset ...
by neurosphere
Sat Aug 01, 2015 11:22 am
Forum: Personal Consumer Issues
Topic: Rental Car Possible Damaged after I returned it
Replies: 18
Views: 1910

Re: Rental Car Possible Damaged after I returned it

This happened to me as well. Picked up the car at one location, dropped it off in another. I got an email with pictures showing a damaged bumper, about 2 months after returning the car, and a request for $400 or so for the repair. I know the bumper was not damaged when I returned it. I talked to the...
by neurosphere
Mon Jul 27, 2015 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Umbrella Insurance if my Assets < Liability Limits?
Replies: 14
Views: 1366

Re: Do I need Umbrella Insurance if my Assets < Liability Limits?

Sorry to hijack, but what if you have negative assets? I have a ton of student loans/debt and not many assets. I'm essentially "in the hole". I also rent. Does it make sense to get an umbrella policy? Does an umbrella policy apply to an individual or a family? Auto liability is solid btw ...
by neurosphere
Mon Jul 27, 2015 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor fee question
Replies: 19
Views: 1465

Re: Advisor fee question

Some advisors charge fees quarterly, some monthly. I think most are quarterly. Some are charged at the beginning of the quarter, some at the end. Some fees are deducted directly from your managed accounts using the cash, and some advisors are allowed to sell investments to generate cash if there is ...
by neurosphere
Sun Jul 26, 2015 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Inexperienced Trustee
Replies: 53
Views: 3625

Re: Inexperienced Trustee

The Uniform Statutory Rule Against Perpetuities has been enacted by 29 states. Many other states follow the Common Law rule against perpetuities. I don't recall you indicating your state residence. In any event, if in fact your trust has no termination date it likely violates the rule against perpe...
by neurosphere
Sat Jul 25, 2015 10:40 pm
Forum: Investing - Help with Personal Investments
Topic: Golden handcuffs - help with vested retirement plan
Replies: 28
Views: 3104

Re: Golden handcuffs - help with vested retirement plan

Take the money you would otherwise have contributed to a 401k and invest in a combination of a Backdoor Roth IRA and a taxable account. Those options are not THAT bad compared to a 401k. If you stay with your employer for a while, and get vested, you'll do just fine. I am familiar with your situatio...
by neurosphere
Sat Jul 25, 2015 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Time to Abandon the Larry Portfolio?
Replies: 12
Views: 2503

Re: Time to Abandon the Larry Portfolio?

hellobogle wrote:I
$27,500 Fixed Return Fund (No ticker, 0.00% ER)
Provides guaranteed 7% return with no risk of loss.


Guaranteed 7%? What kind of investment is this?

I wish I had such an investment in my 401k. Or anywhere else for that matter. :D

NS
by neurosphere
Sat Jul 25, 2015 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Inexperienced Trustee
Replies: 53
Views: 3625

Re: Inexperienced Trustee

I did not see you disclose it was under 500k. Did you say that or did folks assume ? lafder The OP wrote In any event, the .70% is a turn off, and we are now below that minimum. It seems that the minimum she was referring to was $500,000, but there was also a mention of a $1M amount in the precedin...
by neurosphere
Sat Jul 25, 2015 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Inexperienced Trustee
Replies: 53
Views: 3625

Re: Inexperienced Trustee

If it were me and my sibling(s) and I were adults and the only beneficiaries, I would consult a Trust & Estates attorney with an eye to dissolving the trust. If this is permissible by the trust and/or state law, this MAY be good solution for you, especially if the trust is "small". We...
by neurosphere
Thu Jul 23, 2015 6:01 pm
Forum: Personal Consumer Issues
Topic: Asking for separate checks?
Replies: 88
Views: 6670

Re: Asking for separate checks?

I really don't think there is one "right" answer. So many things depend on the actual details of the dinner, and the specific people involve. I tend to be a check-splitter unless there is a big different in what people ordered. I have one extreme version of "unfair" regarding spl...
by neurosphere
Wed Jul 22, 2015 4:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 5697

Re: livesoft surpasses 40,000 posts!

Cheers to livesoft (what does that mean)... It's a play on "die hard". But if you are asking what it actually MEANS to "live-soft", well, you'll have to ask the man himself. Are we truly certain that livesoft is a male? That's a good point, I don't have personal independent conf...
by neurosphere
Wed Jul 22, 2015 6:16 am
Forum: Investing - Theory, News & General
Topic: Correlations, eh?
Replies: 18
Views: 3191

Re: Correlations, eh?

I would like to see this graph with a time component. Imagine you created the green/pink correlation "square" to represent a 5 year (or some other arbitrary number) period. Then, just place 20 of these 5 year squares in a line from left to right. One's eye might be able to see some interes...
by neurosphere
Tue Jul 21, 2015 3:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 5697

Re: livesoft surpasses 40,000 posts!

GoldenFinch wrote:Cheers to livesoft (what does that mean)...


It's a play on "die hard". But if you are asking what it actually MEANS to "live-soft", well, you'll have to ask the man himself.
by neurosphere
Mon Jul 20, 2015 7:11 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft surpasses 40,000 posts!
Replies: 74
Views: 5697

Re: livesoft surpasses 40,000 posts!

My favorite motto:

livesoft or diebroke.

:D
by neurosphere
Mon Jul 20, 2015 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Getting Taxed twice by states - please help
Replies: 12
Views: 1577

Re: Getting Taxed twice by states - please help

By keeping your drivers license and also keeping your Mom's address as your legal address - you became a Domiciliary Resident - and are required to file an income tax return. In essence, you never moved away as you kept your drivers license - with an intent to return. Tough lesson to learn. It's po...
by neurosphere
Sun Jul 19, 2015 10:58 am
Forum: Investing - Theory, News & General
Topic: Jason Zweig, Behavioral Finance: What Good Is It, Anyway?
Replies: 21
Views: 3075

Re: Jason Zweig, Behavioral Finance: What Good Is It, Anyway?

Oh I'd say many of Buffett's principles can be integrated Don't invest in something you don't understand .. don't buy something you wouldn't be willing to hold if you knew the market was going on strike for the next 20 years .. price is what you pay, value is what you get (why pay any more than an ...
by neurosphere
Sun Jul 19, 2015 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Do I Really Need a Financial Advisor?
Replies: 44
Views: 3146

Re: Do I Really Need a Financial Advisor?

I know he's obligated by law to act in the best interest of his clients,I just am wondering if there is a better alternative. Just to be nit-picky, that is not a true statement. The actual legal language which relates to the job description of any fiduciary leaves a LOT of room for making recommend...
by neurosphere
Sat Jul 18, 2015 5:17 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig, Behavioral Finance: What Good Is It, Anyway?
Replies: 21
Views: 3075

Re: Jason Zweig, Behavioral Finance: What Good Is It, Anyway?

I don't mean running the world's most successful stock portfolio, or running a hedge fund that can sink a country's banking sector ... I mean following the simple, elegant principles (as simple as Bogle's and Malkiel's) that define how they make investing decisions And on the topic of not trying to...
by neurosphere
Sat Jul 18, 2015 12:53 pm
Forum: Investing - Theory, News & General
Topic: Jason Zweig, Behavioral Finance: What Good Is It, Anyway?
Replies: 21
Views: 3075

Re: Jason Zweig, Behavioral Finance: What Good Is It, Anyway?

I wonder why not be a Buffet in one part of a portfolio, and a Soros in another? Because we can't be either Soros, or Buffet, or anyone else . And if we try, then the most likely outcome is less dollars in our pockets over time when compared to a strategy where we don't try to be anyone else. This ...
by neurosphere
Sat Jul 18, 2015 7:59 am
Forum: Forum Issues and Administration
Topic: Does anyone else have to continually login?
Replies: 33
Views: 2477

Re: Does anyone else have to continually login?

I have same problem, despite "remember me". Seems to happen every few days where it requires me to log in again. Also a chrome user.
by neurosphere
Fri Jul 17, 2015 7:26 pm
Forum: Personal Consumer Issues
Topic: How do I properly label my condo's mailbox?
Replies: 8
Views: 959

Re: How do I properly label my condo's mailbox?

Here ya go:
http://www.leedan.com/Bommer.htm
http://www.leedan.com/Bommer-NumberStrips.htm

Only took me 25 minutes of googling. That was much harder than I expected.

Maybe you can be a good neighbor and take orders for the entire condo complex.
by neurosphere
Thu Jul 16, 2015 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Determining Compensation Source for W-2 employees working in multiple states
Replies: 5
Views: 490

Re: Determining Compensation Source for W-2 employees working in multiple states

Here's an article which illustrates the problem: http://www.pewtrusts.org/en/research-and-analysis/blogs/stateline/2013/12/12/road-warrior-state-income-tax-laws-vary-widely Some states have a “first day” rule, which means if you set foot in a state you don't live in and work there for one day, you o...
by neurosphere
Thu Jul 16, 2015 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Determining Compensation Source for W-2 employees working in multiple states
Replies: 5
Views: 490

Re: Determining Compensation Source for W-2 employees working in multiple states

When I traveled for business (large corporation) to various subsidiaries in different states for projects lasting usually from 1 to 8 weeks there was no action taken to adjust tax withholding or payments for the various states I traveled to. I remained an employee of the parent corporation the enti...
by neurosphere
Wed Jul 15, 2015 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Determining Compensation Source for W-2 employees working in multiple states
Replies: 5
Views: 490

Determining Compensation Source for W-2 employees working in multiple states

Hi all, my question relates to the laws which determine how an employer is suppose to "source" compensation to employees who perform work in multiple states. I am helping a friend (actually a colleague of my wife's) sort out a dispute with his employer. Personal taxation I can figure out 9...
by neurosphere
Sun Jul 12, 2015 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: An email to my employer I almost sent, but then deleted
Replies: 26
Views: 4083

Re: An email to my employer I almost sent, but then deleted

FWIW, when I was working (now retired), I first thought the word 'proactive' was just bureaucratic poppycock. I gradually understood that it presented a great opportunity: to not just complain when I saw something wrong, but to propose new ways of doing business. Just working on those new ways woul...
by neurosphere
Sat Jul 11, 2015 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: An email to my employer I almost sent, but then deleted
Replies: 26
Views: 4083

Re: An email to my employer I almost sent, but then deleted

Back in the olden days, we had neither employer-matches nor even the possibility of same. Get my drift? Folks today seem entitled; whatever. No, I get it. But back in the "olden days", this employer had an all-Vanguard line-up. With the changes, the average expense ratio increased 5 fold,...
by neurosphere
Sat Jul 11, 2015 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: An email to my employer I almost sent, but then deleted
Replies: 26
Views: 4083

Re: An email to my employer I almost sent, but then deleted

I absolutely agree with the "honey vs. vinegar" arguments. Which is why it wasn't sent. :) The average US company CEO makes over 300 times what the average employee at his company makes. Either you're doing pretty well there or the CEO is underpaid compared with the average CEO. My guess i...
by neurosphere
Sat Jul 11, 2015 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing to go with a Robo-Advisor and If so, which one?
Replies: 58
Views: 4473

Re: Choosing to go with a Robo-Advisor and If so, which one?

So it did work in the end in bringing down the tax to $0? Sure did. You've convinced me to start an account there. I didn't realize they had lowered the limit to $500. But I promise to do my own taxes! :mrgreen: Ok. Wait. I'm not sure if something was lost in tone, so just in case I'm missing your ...

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