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Re: We cut the (Cable/Satellite TV) Cord!

Reception of FOX has shown to be less reliable, so some antenna fiddling may be in my future. I laugh because we certainly had some "fiddling" issues when we first cut the cord two years ago. NBC was always easy to receive but CBS and FOX would never ever come in at the same time. So on S...
by red5
Tue Dec 16, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: We cut the (Cable/Satellite TV) Cord!
Replies: 45
Views: 4077

Re: Very uncomfortable phone call w/Vanguard about Beneficia

On my birthday Vanguard sent an e-mail suggesting I check my beneficiaries. Low and behold I ran into a similar issue. I was able to check and change my fund beneficiaries but I was not able to do so with my VBS funds. I sent them an e-mail asking about this and they replied back stating that yes th...
by red5
Tue Dec 16, 2014 10:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Very uncomfortable phone call w/Vanguard about Beneficiaries
Replies: 37
Views: 5633

Re: Childrens watch

Thank you for your very quick replies. I'll add that I only mentioned the metal band because the few other kid watches seemed to not be durable enough.
by red5
Mon Dec 15, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Childrens watch
Replies: 5
Views: 391

Childrens watch

Hey folks, Any recommendations for a watch for a 7 year old boy? Perhaps something with a metal bracelet band. He does not want a character watch and he wants analog. All stores seem to have those cheap plastic character watches and he has indeed gone through a couple of them. They do not last very ...
by red5
Mon Dec 15, 2014 11:46 am
 
Forum: Personal Consumer Issues
Topic: Childrens watch
Replies: 5
Views: 391

Re: Better Costs: ETFs or Admiral Shares?

There will be a difference between the admiral fund and the etf but the difference could be so small it would be meaningless. Here is a graph of VTSAX and VTI over the last 13 years. Total Stock admiral versus etf There is a SIX dollar difference over 13 years. How about the SP 500? This will have t...
by red5
Mon Dec 15, 2014 5:37 am
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 53
Views: 3627

Re: Help with seeing tax consequences, scenios for low incom

Create a dry run through taxact or turbotax and input your guesses for various forms of income; freelance income, roth distributions, traditional distributions, dividends, interest, etc. Then go through the various deductions, such as EITC, savers credit, student loan interest, etc. Once you have yo...
by red5
Fri Dec 12, 2014 4:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with seeing tax consequences, scenios for low income
Replies: 7
Views: 913

Re: What is your opinion about "tilting?"

The thing about tilting is....it's very easy and simple to do. I find it no more difficult at all than going with the much talked about 3-fund portfolio. I find it just as easy to figure out percentages for 6 funds as with 3 funds. This may not be the case for other people, but it is for me. I just ...
by red5
Thu Dec 11, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 114
Views: 7852

Re: Wash Sale Question in Reverse

Yes, it is a wash sale if the "replacement shares" you purchased the other day were purchased within 30 (or 31?) days of your capital loss, before and after. You can still execute the trade if you like however but some or all of your loss will not be deductible and you'll need to note this...
by red5
Thu Dec 11, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Question in Reverse
Replies: 4
Views: 244

Re: Don't Peek

I "peek" once a week. For me there has been no negative consequence...yet. I did fine through the 2007-2009 market and I did fine through the 2011 market. The advice not to peek for years cannot hardly be meant for every single investor.
by red5
Thu Dec 11, 2014 8:59 am
 
Forum: Investing - Theory, News & General
Topic: Don't Peek [at Your Portfolio Balance]
Replies: 33
Views: 3870

Re: VTI Fee Savings Until Admiral-Ready (VSTAX)?

How long do you expect it to take until you reach $10,000? For the reason that Livesoft mentioned I would go with the "higher" fee VTSMX over VTI until you have 10k.
by red5
Thu Dec 11, 2014 8:56 am
 
Forum: Investing - Help with Personal Investments
Topic: VTI Fee Savings Until Admiral-Ready (VTSAX)?
Replies: 15
Views: 1003

Re: What is your opinion about "tilting?"

I tilt but not much in the case that my tilts over a 30 to 60 year investing cycle do not pan out. Approximately [at the moment]: Total US Stock 4 : US Small Cap Value 1 Total International 2 : Small Cap Intl 1 : Emerging Market 1 I have no idea if others would consider that to be light/moderate/hea...
by red5
Wed Dec 10, 2014 9:16 am
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 114
Views: 7852

Re: 2014 Portfolio Returns

Should wait a few weeks, but I am 7.4% for the year, 84/16 with a bit of small cap value, small international and emerging market slices.
by red5
Mon Dec 08, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: 2014 Portfolio Returns
Replies: 23
Views: 1738

Re: How do you rebalance?

Like others, via contributions. I also, however, will rebalance via bands if they ever require yet.
by red5
Wed Dec 03, 2014 4:15 am
 
Forum: Investing - Theory, News & General
Topic: How do you rebalance?
Replies: 40
Views: 3141

Re: How to you assess your rate of return?

XIRR in Microsoft Excel. Depending on how detailed you want you can get your investing return since you first started investing, yearly returns, monthly returns...You can get individual fund returns or whole portfolio returns. It just depends on how much you value knowing your own historical returns...
by red5
Tue Dec 02, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: How to you assess your rate of return?
Replies: 12
Views: 793

Re: Selling a rented house

Bottom line is you are the owner, and you can just give her 30 days notice to get out than do what you want. But I would try to sell it to her, if not an option I would work with her on a move out date. Especially if she has been a good low stress tenant. Yes, please consider the human element of t...
by red5
Mon Dec 01, 2014 4:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Selling a rented house
Replies: 39
Views: 3083

Re: Vacuum Cleaner Suggestions Please

We have a Shark Navigator and are happy with it. It replaced an old Hoover Wind Tunnel, which I also liked, but the Shark is much more versatile, is bagless, lighter, has good suction, a bare floor mode and is significantly less money than a Dyson. It does have a narrower vacuum path than I am used...
by red5
Fri Nov 28, 2014 4:33 am
 
Forum: Personal Consumer Issues
Topic: Vacuum Cleaner Suggestions Please
Replies: 17
Views: 2258

Re: Investing in 100 Words

I like it. Nothing technical really, just simple and sensible language that anyone can understand and learn from.
by red5
Tue Nov 25, 2014 5:29 am
 
Forum: Investing - Theory, News & General
Topic: Investing in 100 Words
Replies: 19
Views: 1942

Re: Animal vacuums?

I am looking for a new vacuum as now I have a small shorthair dog and I want to get something that will last and get out all the pet hair even though she is not much of a shedder. I am not opposed to spending money if I know I am getting something that will work well and last. I am finally retiring...
by red5
Mon Nov 24, 2014 4:38 am
 
Forum: Personal Consumer Issues
Topic: Animal vacuums?
Replies: 5
Views: 558

Re: Outperforming the Indexes

Just some thoughts: -I'd personally nix the DOW and Nasdaq. -I would have expected the shorter time period results (1 month) to be closer to 50% outperforming and 50% underperforming. -From your results the longer time periods show a greater percentage of funds outperforming? I would have assumed th...
by red5
Thu Nov 20, 2014 10:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Outperforming the Indexes
Replies: 13
Views: 2475

Re: How to buy happiness (WSJ)

3. Buy experiences not things for luxury consumption Would this include buying a BOAT, MOTORCYCLE, OR RV - for the experiences or would this be considered luxury consumption? In my opinion, absolutely. Some experiences require some kind of product. My camping gear itself does not make me happy, but...
by red5
Sun Nov 16, 2014 5:43 am
 
Forum: Personal Consumer Issues
Topic: How to buy happiness (WSJ)
Replies: 31
Views: 3640

Re: Cheapest "dumbphone" and plan for texting only?

I spend about 7 bucks a month for a plain old Tracfone plan, which gives me about 70 minutes per month (using promo codes)... The phone itself is Samsung and is cheap.

I think texts are around .3 minutes/units each to receive and send. I can't recall exactly.
by red5
Fri Nov 14, 2014 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest "dumbphone" and plan for texting only?
Replies: 7
Views: 787

Re: Outperforming the index

This are the numbers I got from Morningstar

They show the 2 mutual funds following the SP 500 closely.
by red5
Fri Nov 07, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: Outperforming the index
Replies: 8
Views: 722

Re: ObamaCare vs. Private Insurance??

You can tell by he letters at the end of the policy number for metal plans. The doctor only cares if it is a plan that reimburses very poorly and often less than operating costs (several of them are less than Medicare and Medicaid). Additionally, there are several policy rules that make it very una...
by red5
Fri Nov 07, 2014 9:19 am
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 11789

Re: ObamaCare vs. Private Insurance??

... I am a physician, and I can tell you that many physicians are reluctant to accept patients with the Obamacare plans when they have a choice. If you have the opportunity to purchase (or keep) a non-Obamacare health insurance product, I would keep it for now while the whole Obamacare thing gets w...
by red5
Fri Nov 07, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 11789

Re: Will you critique my portfolio?

Hello, everyone. This is my first post, although I've enjoyed reading this board for a while. I am 29 years old and I've been investing (with Vanguard) since the age of 18. The only problem is that, due to lack of investing education, I pulled my money out in 2008 and didn't reinvest until earlier ...
by red5
Thu Nov 06, 2014 5:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Will you critique my portfolio?
Replies: 2
Views: 353

Re: AA...any other crazy 80/20 folks out there?

Why are folks who are 80/20 crazy? I'm a bit more aggressive than 80/20 and I don't consider it crazy.
by red5
Wed Nov 05, 2014 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: AA...any other crazy 80/20 folks out there?
Replies: 57
Views: 4965

Re: What do you set your thermostat to (in F)?

63*, 24/7, when the temps stay cold indefinitely. If it is expected to warm up to upper 60's the furnace will probably just stay off all day and night long, even if the house dips into the 50s and we'll use windows to warm up the place.
by red5
Wed Nov 05, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4613

Re: Check my TLH math

...I thought I would have to wait 31 days to sell any lots in Fund A to prevent a wash sale. Is that not correct? That is my understanding. In order to prevent a wash sale (which is legal) then replacement shares must not be bought 30 (or 31?) days before or after a capital loss is realised. So yes...
by red5
Fri Oct 31, 2014 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Check my TLH math
Replies: 16
Views: 1120

Re: Checking monthly - may not even notice the October "cras

I usually update my spreadsheet on the 1st of every month... Looks like when I update it on Nov 1st, there's a good chance it won't even register all the craziness of the last 3 weeks, even though the news and even the Boglehead forum had tons of shows and posts about the "crash" The sky ...
by red5
Wed Oct 29, 2014 8:25 am
 
Forum: Investing - Theory, News & General
Topic: Checking monthly - may not even notice the October "crash"
Replies: 51
Views: 4444

Re: 39.6% Tax Bracket :(

cheese_breath wrote:There are some very smart people on this forum. I'm not one of them, but I suspect with that kind of income they would suggest you see a CPA.


I am not either. With that being said, I would probably not be experiencing very much frustration with such a level of pay.
by red5
Tue Oct 28, 2014 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: 39.6% Tax Bracket :(
Replies: 28
Views: 6249

Re: Do you regret buying your home?

Yes, a lot! It is not really the home that I regret, rather, it is 1,500 miles from where I want to live.
by red5
Thu Oct 23, 2014 2:58 pm
 
Forum: Personal Consumer Issues
Topic: Do you regret buying your home?
Replies: 82
Views: 7226

Re: How to calculate how well you're doing?

I use XIRR(Values,Dates) in Excel. I got 5.4% assuming I typed in all the values correctly (I inputted your investments at the beginning of each month for 12 months). I type initial values and investments as a negative number(s) (as it is going from me to the investment) and I type withdrawals and t...
by red5
Thu Oct 23, 2014 8:58 am
 
Forum: Investing - Theory, News & General
Topic: How to calculate how well you're doing?
Replies: 9
Views: 1321

Re: Missing Dividend Payment Information

I've had this fund for about 2 and a half years, and I've never seen any dividend payments on my statements. The only thing I was able to dig up for this fund from one of my accounts (401(k)) was the following info, which I'm sure is pretty useless: MTA Large Cap Core Index Fund. As of 10/17/2014 P...
by red5
Mon Oct 20, 2014 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Missing Dividend Payment Information
Replies: 28
Views: 2830

Re: Missing Dividend Payment Information

OP, How long have you had this retirement account? Have you seen dividend payments in it before [I'm guessing no]? Do you have access to historical prices for the funds inside your plan? Is there any way you can reveal to us what the price of your fund [VIIIX] was, say, 5 or 10 years ago and also wh...
by red5
Mon Oct 20, 2014 4:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Missing Dividend Payment Information
Replies: 28
Views: 2830

Re: Hold My Hand - I Am Rebalancing

How often have you been rebalancing? I think the question I'd ask is "what are your bands?" With the commonly used band of 5% of the asset you normally wouldn't be triggering a rebalancing event that often with your portfolio... I would also ask: what is your rebalance percentage amount? ...
by red5
Wed Oct 15, 2014 7:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Hold My Hand - I Am Rebalancing
Replies: 20
Views: 1287

Re: Hold My Hand - I Am Rebalancing

How often have you been rebalancing?
by red5
Wed Oct 15, 2014 4:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Hold My Hand - I Am Rebalancing
Replies: 20
Views: 1287

Re: Keep vanguard mutual fund or move to the dark side (ETFs

I transferred money from another institution into a Vanguard Roth IRA. The two funds I picked up were REITs and Emerging Markets. Both have lost a little bit since I put them in, but I'm not all really concerned about the loss, per se. My question is, should I move the money from the mutual funds t...
by red5
Thu Oct 09, 2014 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Keep vanguard mutual fund or move to the dark side (ETFs)
Replies: 13
Views: 1512

Re: Is this smart?

IPer wrote:Aw come on nisiprius show the guy what he got if he held it another 5 years at least!


The next recovery will likely be different than the recovery that began in 2009.
by red5
Thu Oct 09, 2014 7:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this smart?
Replies: 19
Views: 1458

Re: Is this smart?

still confused Okay let's say you invest $1,000 in a retirement fund, VTIVX, which is currently 63%/27%/8%/2% Total Stock, Total International, Total Bond, Total International Bond Let's fast forward a few years and say that between contributions/investments and market growth/decline it is now wort...
by red5
Thu Oct 09, 2014 4:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this smart?
Replies: 19
Views: 1458

Re: Tell me about Berlin :-)

Like Paris, it is cold and dark in the winter. Oh but the Christmas markets [Christkindlmarkt] in Germany [and others] are so absolutely magical. I did not experience one in Berlin but I did in other German, Austrian, and Hungarian cities. If you are in Berlin during the season, please please make ...
by red5
Tue Oct 07, 2014 8:30 am
 
Forum: Personal Consumer Issues
Topic: Tell me about Berlin :-)
Replies: 40
Views: 3527

Re: BND & BNDX Dividends

I think if it is payable today then you would see the transactions tonight, after close of business.
by red5
Tue Oct 07, 2014 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: BND & BNDX Dividends
Replies: 5
Views: 328

Re: Are you a "maximizer" or a "satisficer"?

For me, any categorization is irritating. It's bad enough that marketing types are trying to pigeonhole us; it's worse when we voluntarily walk into the trap of being stereotyped. As soon as someone calls himself a baby-boomer, a home-owner, a satisficer, or a Boglehead, he reduces the complexity o...
by red5
Tue Oct 07, 2014 8:22 am
 
Forum: Personal Consumer Issues
Topic: Are you a "maximizer" or a "satisficer"?
Replies: 52
Views: 3465

Re: Mutual Funds vs. Exchange Traded Funds (ETFs)

I use Vanguard Admiral funds when I have enough. When I don't I use ETF's (4 over taxable and non-taxable).
by red5
Tue Oct 07, 2014 4:52 am
 
Forum: Investing - Theory, News & General
Topic: Mutual Funds vs. Exchange Traded Funds (ETFs)
Replies: 37
Views: 2785

Re: Biweekly Mortgage Payments

My Settlement Statement (HUD) states that I am able to prepay without penalty in the Loan Terms section.
by red5
Sat Oct 04, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biweekly Mortgage Payments
Replies: 10
Views: 1012

Re: Biweekly Mortgage Payments

Do you have the ability to prepay principal? If so, that could give you a somewhat similar effect. Don't pay a fee for this service. I believe it is equivalent to making a 13th payment per year (since 52 weeks / Every 2 weeks = 26 half payments), which you could do yourself if you are able to prepay...
by red5
Sat Oct 04, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Biweekly Mortgage Payments
Replies: 10
Views: 1012

Re: Total world stock index

NEVERTHELESS, I insist that my point--don't trust theory, and be skeptical of claims of the value of persistent tiny "edges"--is valid..." Look, I think we are really on the same page, perhaps a couple of figurative sentences apart, but still on the same page. My original intent on t...
by red5
Sat Oct 04, 2014 6:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock index
Replies: 19
Views: 2702

Re: Total world stock index

When comparing the ETF and the mutual fund are they using NAV or price? I wouldn't be shocked to learn that the funds premium has changes a bit over the past 5+ years. Good point, this did occur to me some time after I wrote my post as well. Going from 6-26-08 to 6-27-08 shows the mutual fund going...
by red5
Fri Oct 03, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock index
Replies: 19
Views: 2702

Re: Total world stock index

... http://s24.postimg.org/4brf8ms05/Captura_de_pantalla_2014_10_03_a_la_s_6_58_03_A.png ... I do see the oddities. However, the graphic does show higher 1 year, 3 year, and 5 year returns for the ETF version. Also, I will add that I looked at the Morningstar chart and something seems, well, odd. Y...
by red5
Fri Oct 03, 2014 6:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock index
Replies: 19
Views: 2702

Re: Total world stock index

Consider that the expense ratio fee could compound itself year after year after year. Nisiprius pointed out that the difference between .30% and .18% over one year is $60.00. That is the difference between the Total World fund and etf. In theory, over a year you would have 60 more dollars if you hel...
by red5
Fri Oct 03, 2014 5:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Total world stock index
Replies: 19
Views: 2702
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