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Re: Barry Ritholtz - Breaking with Bogle

I guess I have to mostly agree with everything here.... I fail to see why the issue with ETF's if you buy & hold... I think they are a great option. With free trades and small spreads I think the DCA cost of the past is almost gone now. I am lost why Jack is against them for reasonable indexes (...
by rob
Fri Jan 30, 2015 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Barry Ritholtz - Breaking with Bogle
Replies: 12
Views: 2504

Re: New car safety features

A LOT of people who I get in a car with now do NOT look behind or side to side when reversing. a lot of people refused to use seat belts. I'm sure some still do. There is a learning curve and some common sense involved. Used properly you aren't going to run over your child's bike or your child. Whi...
by rob
Wed Jan 28, 2015 1:15 am
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3691

Re: New car safety features

The difference in safety between different vehicles is smaller today than it was in the past Agree. But the next generation of safety e.g. going from air bags to blind spot monitoring, back up cameras, etc I think is another leap in safety I disagree... A LOT of people who I get in a car with now d...
by rob
Tue Jan 27, 2015 7:22 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3691

Re: Do you respond to recruiters contacting you?

I contact some and ignore most.... most could not be bothered to read your profile first so don't need a response.... I have so far never got a job interesting enough AND paying enough through that channel but I like the pings anyway.
by rob
Tue Jan 27, 2015 10:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you respond to recruiters contacting you?
Replies: 26
Views: 1488

Re: New car safety features

Since she is a rather poor driver and drives in a city and state where most drive SUV 's and trucks , I have advocated for her to buy a vehicle with new safety features. A safer bet in this scenario is to have her drive a large SUV.... small cars loose against large cars when the crunch starts rega...
by rob
Tue Jan 27, 2015 12:26 am
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3691

Re: New car safety features

I'm certainly for safety improvements in cars, but I'm very against taking control away from the driver. I do not want my car to brake if I don't step on the brake. I don't want the lights to turn on unless I turn them on. Basically, I want the car to do what I tell it to, not what it thinks it sho...
by rob
Mon Jan 26, 2015 4:47 pm
 
Forum: Personal Consumer Issues
Topic: New car safety features
Replies: 70
Views: 3691

Re: Slice and Dice with Etf and Admiral?

With the US retirement system having the fragmented accounts...... I have mixes of ETF, admiral, investor shares and non Vanguard stuff spread across Trad, Rollover, Roth IRA's, 401k's etc. I suspect that is pretty normal for anyone who does SnD.
by rob
Mon Jan 26, 2015 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice with Etf and Admiral?
Replies: 8
Views: 639

Re: Avoiding the Kiddie Tax on Capital Gains

Yeah, I always harvest GAINS in my kids UTMA's. I keep it under the kiddie tax limit. The long term objective for me is to give them the account with a loss or at least very small gain as possible.
by rob
Sat Jan 24, 2015 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Avoiding the Kiddie Tax on Capital Gains
Replies: 4
Views: 531

Re: Ethics of an advisor "handing you off" to a colleague

The damage of paying ~5% to get in has already been done. I just need to compare the current expense ratios to something from Vanguard or Fidelity to see what the break even point is, year wise. Right? Yeah, that's the right plan... that 5% is water under the bridge at this point. You might want to...
by rob
Wed Jan 21, 2015 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethics of an advisor "handing you off" to a colleague
Replies: 38
Views: 2921

Re: Couples with two homes

The value of a house can rent a lot of stuff at different locations each summer.... Since you're just looking for ideas how about a smaller place where you want to live/work (or retire, not sure of age) - maybe that's near one set of other of the kids or not. Then rent a house for a month each summe...
by rob
Wed Jan 21, 2015 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Couples with two homes
Replies: 11
Views: 1144

Re: Ethics of an advisor "handing you off" to a colleague

So you're not his friend now he has his money from the A shares and I guess you're deemed to not be a big buyer going forward and time to dump you to a cheaper resource..... I'd like to think that's not what's happening but know better. Maybe it's time for you to reconsider you're relationship with ...
by rob
Wed Jan 21, 2015 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethics of an advisor "handing you off" to a colleague
Replies: 38
Views: 2921

Re: I'm thinking about making very large 529 contributions A

I answered No but not for the prohibited reason you're implying. I stopped 529 contributions a decade ago when spouse stopped working because I simply could not fund retirement AND college savings... so had to pick saving for retirement only. IF I were still funding them and had the cash available t...
by rob
Wed Jan 21, 2015 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm thinking about making very large 529 contributions ASAP
Replies: 71
Views: 5295

Re: Transition to a single income household

- Loss of retirement savings on 2nd wage is huge over time.... even if you can make it up later in the working persons lifetime... the time value of that dual 401K earlier is worth a fortune Silly question but does the working spouse need to save double? No way my family could do this without some ...
by rob
Wed Jan 21, 2015 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transition to a single income household
Replies: 16
Views: 1263

Re: What will happen to international stocks if a Euro break

With the warning shot fired by the Swiss, can the breakup of the Euro be far behind? Yes... There have been far more serious crisis events in the history of Eurozone economics. I think this is a minor blip in the scheme of things.... Now if Germany pulled out of the euro I might change my mind a li...
by rob
Wed Jan 21, 2015 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: What will happen to international stocks if a Euro breakup?
Replies: 23
Views: 1583

Re: Likelihood of Admiral shares for the Target Retirement F

What are your thoughts on using the balanced index in a taxable account? Do you think it's too bond heavy for tax purposes? This account may play a large role as overall savings for our family IMO using balanced or target funds in a taxable account is a bad mistake.... I would be using tax efficien...
by rob
Wed Jan 21, 2015 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2214

Re: Checklist for buying a new car

Tell the dealer not to put any of their advertisement on your car. Especially the ones that are drilled/serious adhesive not just stickers.... I'm pleased I'm not the only one that demands that... the dealers I have used look at me like I have 3 heads. The last car I made them take it off before I ...
by rob
Wed Jan 21, 2015 11:48 am
 
Forum: Personal Consumer Issues
Topic: Checklist for buying a new car
Replies: 21
Views: 1805

Re: “How Does Aging Affect Financial Decision Making?”

I've always thought someone should design a series of tests that specifically tests financial decision making ability. Then, a person could simply take a test each year and see how their abilities are tracking. And, get an idea if it's time for concern. That is a really great idea. If some boblehea...
by rob
Wed Jan 21, 2015 10:14 am
 
Forum: Investing - Theory, News & General
Topic: “How Does Aging Affect Financial Decision Making?”
Replies: 54
Views: 2769

Re: Stop the BS 401k and go IRA?

You can do a Roth IRA depending on income limits and can always do a non-deduct IRA. Otherwise taxable savings might be a better option (depending on 401K match - take the match no matter what). Edit: Check for in service rollovers which allow you to gte money out... unlikely in the types of plans y...
by rob
Tue Jan 20, 2015 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stop the BS 401k and go IRA?
Replies: 8
Views: 983

Re: Microsoft Money Plus Sunset

I still use Money 2002 (premium or whatever it's called) - don't mock me :oops: It still works apart from the downloading of prices stopped working - this was the last version that did not have the time bomb built in from the start, so it just kept plugging away. I never paid bills from it, so that ...
by rob
Tue Jan 20, 2015 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Microsoft Money Plus Sunset
Replies: 12
Views: 1323

Re: 1099-DIV error(?)

mathman wrote:Now why didn't VG say this was going to happen---why bother offering a useless 1099? Beats me.

Cause not all of us are converted to the brokerage windows :D I wait until the dust settles anyway before lodging the return anyway but it does seem confusing at BEST.
by rob
Tue Jan 20, 2015 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 1099-DIV error(?)
Replies: 14
Views: 1460

Re: Finally eligible for Comapny 401k (help choosing)

Why isnt there a Roth IRA for her? Excellent question. She is still somewhat leery of investing so I am taking baby steps with her. She will have one eventually! Looks like she contributes 7% to a pretty average fund (might well be the best option in the 403B).... maybe drop that just to get the ma...
by rob
Tue Jan 20, 2015 3:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Finally eligible for Comapny 401k (help choosing)
Replies: 6
Views: 437

Re: Transition to a single income household

Get an understanding of the REAL costs..... There are a lot of pluses and that's what people tend to see but for regular people (excluding those that can earn triple digit incomes).... - Worker will work years longer in most cases - Worker will have less options for work - dual incomes buy options o...
by rob
Tue Jan 20, 2015 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Transition to a single income household
Replies: 16
Views: 1263

Re: 7 nights- Scotland or Ireland?

My least favorite stop was Blarney Castle. My recollection from 20+ years ago was that you drove up to Blarney Castle, walked up, kissed the stone, and went on your way. At least that was the drill on a drizzly day. Five years ago, you drove up and got in a Disneyesque line, souvenirs were hawked, ...
by rob
Tue Jan 20, 2015 11:32 am
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 2004

Re: Australian superannuation help

You can transfer to Vanguard Oz to get better expense ratios..... maybe high growth or alike.
by rob
Mon Jan 19, 2015 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Australian superannuation help
Replies: 8
Views: 608

Re: 7 nights- Scotland or Ireland?

What do you want to see? It's hard to see the Irish landmarks from Glasglow and tough to see Edinbrough castle from Dublin 8-)
by rob
Mon Jan 19, 2015 5:24 pm
 
Forum: Personal Consumer Issues
Topic: 7 nights- Scotland or Ireland?
Replies: 31
Views: 2004

Re: how to get a reference from a current employer?

The point being, list that person instead of your direct report / supervisor. Unless I misunderstand. You got it.... list someone who you have worked with outside of the direct mgr line but at a similar level that will not just forward to HR (talk to them first). My experience of HR has always been...
by rob
Mon Jan 19, 2015 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: how to get a reference from a current employer?
Replies: 16
Views: 1241

Re: how to get a reference from a current employer?

I disagree... HR is NEVER on the employee's side....

Have you worked with someone in a more senior position outside of your direct boss?
by rob
Sun Jan 18, 2015 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to get a reference from a current employer?
Replies: 16
Views: 1241

Re: Does strategy even matter?

t is it even worth discussing the finer points of some funds (total market vs international for example)? I think it IS worth discussion.... but agree that a lot of it is not going to make a big difference either way.... but it also keeps some of us off the street or spending money on golf or alike...
by rob
Sat Jan 17, 2015 4:45 pm
 
Forum: Investing - Theory, News & General
Topic: Does strategy even matter?
Replies: 12
Views: 1694

Re: Getting deposed -- do I need to hire my own lawyer?

I would get a suit as there seems to be peace of mond issues and for not a fortune you could get some real advice......
by rob
Sat Jan 17, 2015 4:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting deposed -- do I need to hire my own lawyer?
Replies: 47
Views: 4540

Re: garbage disposals - are these still used?

livesoft wrote:Our's broke and we didn't do anything about it for about 5 years.

Same here... it was broken for prob longer than that but had a plumber in for a few other things recently so have one that works again now......
by rob
Sat Jan 17, 2015 3:28 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3684

Re: Confused: Why does anyone buy German bonds?

You mean German residents? Currency risk, potential tax issues on both sides - much the same stuff you see here to justify not investing outside the US.
by rob
Fri Jan 16, 2015 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: Confused: Why does anyone buy German bonds?
Replies: 24
Views: 2675

Re: Why invest in International funds? It's a mystery

Investing 100% into the U.S isn't really comparable to investing 100% in Japan, is it? I'm sure it's different this time :D Why do you think it's different? Just the same home country bias as anything else.... now maybe that will pay off in the future... or maybe not. That earnings thing is put out...
by rob
Fri Jan 16, 2015 11:04 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10529

Re: How much food to you really keep?

But probably only 12 to 18 bottles of beer and 3-4 bottles of wine "in stock" at any given moment. When that runs out, things are going to get pretty ugly. Well that needs to be solved asap.... Keep in mind the later food will need more alcohol to eat so plan accordingly :-) I don't have ...
by rob
Thu Jan 15, 2015 1:55 pm
 
Forum: Personal Consumer Issues
Topic: How much food to you really keep?
Replies: 57
Views: 4189

Re: UGMA/UTMA to save taxes - can I do this?

Now I am reading online that a dispersal has to be for the minors benefit? I can't just transfer money back to my account and save on tax. Was I given bad tax advice and did a big no no?? Which part of GIFT was not clear? Once you make a gift it's no longer "yours" and if it's got strings...
by rob
Wed Jan 14, 2015 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: UGMA/UTMA to save taxes - can I do this?
Replies: 11
Views: 756

Re: How does an Efficient Market explain Buffett?

I don't think it has to.... Data will always contain outliers. Maybe it's his mgt abilty, any of the above points, his access to pools of cheap cash to invest, maybe it is skill.... I dunno. I'm only interested in whether I can do it or pay a fund manager to do it... and the evidence on either is pr...
by rob
Wed Jan 14, 2015 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: How does an Efficient Market explain Buffett?
Replies: 257
Views: 12781

Re: New mobile check deposit from Vanguard

This is great, but I don't have a smartphone (I always have a laptop handy, and smartphones are expensive). I have a scanner, and a digital camera, and a laptop. Is there any way for me to use these things to deposit checks online at Vanguard without the smartphone? Have a look at the ipod touch......
by rob
Wed Jan 14, 2015 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: New mobile check deposit from Vanguard
Replies: 20
Views: 3914

Re: Amex Fidelity CC 2% Cash Back

I have one of these (and the no longer offered mastercard).... Works great as long as you deposit cash back to a fido account. Edit: No surprise fees... although the amex card is slower to deposit the rewards than the old m/c version - no idea why. I don't use the amex a lot and mostly use at costco...
by rob
Wed Jan 14, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 6327

Re: Alternatives to TurboTax

I've used taxact & hrblock and both were fine..... and I'm a TT refugee but from a past transgression.
by rob
Wed Jan 14, 2015 12:52 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to TurboTax
Replies: 26
Views: 2727

Re: What was your costliest investment mistake?

Peter Foley wrote:Investing in QQQ (NASDAC) in the year 2000 - thinking it was an "index fund".

It's an index fund all right.... just not a greatly diversified one :shock: Yeah I owned that one at the same time with you :oops:
by rob
Tue Jan 13, 2015 10:54 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9632

Re: Reporter doing story on Turbo Tax Fracas

Brad1 wrote:I'd love to see Vanguard in 2016 dump its relationship with TurboTax and switch its alliance to a more transparent provider of tax software.

Completely agree...... I saw recently TT lobby to stop the IRS developing a reasonable option (I assunme the other do as well)......
by rob
Tue Jan 13, 2015 8:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7134

Re: Can I fund Vanguard purchases with my Target REDcard?

For this to work... The load up of the red card via another credit card would have to be marked merchandise/purchase and not cash advance..... Are you guys saying that the coding of the loading onto the red card is miss tagged? In which case... I might load mine up a bit with my 2% cash back card :-)
by rob
Tue Jan 13, 2015 3:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can I fund Vanguard purchases with my Target REDcard?
Replies: 40
Views: 3973

Re: What was your costliest investment mistake?

Cashing out a retirement plan in late 20's and spending it on crap...... I shudder to think what it would be worth now (employer made 90% of the contributions so it was free money as well).
by rob
Tue Jan 13, 2015 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9632

Re: 401k with old employer or IRA rollover @ vanguard

In my view there are two variables with index providers (the real beauty of index funds) -
* Fees - Lower the better with nothing else to say :-)
* How well they track the index - SSB has a lot of experience as does Vanguard and I would be happy with either
by rob
Mon Jan 12, 2015 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k with old employer or IRA rollover @ vanguard
Replies: 1
Views: 236

Re: What is your opinion of this strategy?

IMO you have to treat it as a whole..... a CD ladder is fine as part of the 30% but sounds like you mean outside of that 70/30.
by rob
Mon Jan 12, 2015 10:15 am
 
Forum: Investing - Help with Personal Investments
Topic: What is your opinion of this strategy?
Replies: 28
Views: 1625

Re: what to do with soon-to-be vested company stocks

I ignore unvest RSU's.... They are simply not yours until they vest. I obviously sell as soon as possible if they are RSU's (options are different) because the tax is the same and it's like making a decision to get salary and buy the company stock.... and I think that;'s a poor idea. All that aligni...
by rob
Sat Jan 10, 2015 10:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: what to do with soon-to-be vested company stocks
Replies: 7
Views: 478

Re: Do you use lifestrategy/ asset allocation funds?

I use them for UTMA for the kids but not in my portfolio... I prefer the control of the funds.
by rob
Sat Jan 10, 2015 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 36
Views: 3080

Re: 16 Vanguard funds on the "Money 50" list

Damn... I own a chunk of those... Mightt have to sell them now :)
by rob
Fri Jan 09, 2015 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: 16 Vanguard funds on the "Money 50" list
Replies: 5
Views: 1122

Re: Advise / please

What does your "advisor" say to that question? You're paying them a stack of $$ so push them for an answer.... If you're doubting the advisor then search for firing advisor here and there are a lot of therads about that topic. You can also search for fee only advisors for discussion of how...
by rob
Fri Jan 09, 2015 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advise / please
Replies: 6
Views: 547

Re: Self-driving cars a threat to Buffett's empire

You can (at least in the UK) already instal a monitor which monitors your driving and gives you lower rates. Eventually the only people who won't do this are those who are quite high risk. I object to these devices so will never install one and I've had no at fault claims in 30 odd years of driving...
by rob
Thu Jan 08, 2015 10:45 am
 
Forum: Investing - Theory, News & General
Topic: Self-driving cars a threat to Buffett's empire
Replies: 24
Views: 1998

Re: Investing from abroad (London, UK)

Going to depend on the coutry as to what issues arise but easier within the EU..... Stay away from anything tainted with the US unless you move to the US. I would also stick to ETF's thru a non US broker and re-plan IF you ever move to the US.
by rob
Thu Jan 08, 2015 10:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing from abroad (London, UK)
Replies: 7
Views: 878
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