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Re: An inefficient market creating drag on index returns

It's my understanding that VTI does not actually buy all the stocks in the US. It uses a strategy to track the whole market. It does not have to buy an IPO, I suppose it has to account for a growth stock if it gets large enough, but IPOs are typically going to be tiny relative to the cap of the whol...
by tadamsmar
Mon Sep 01, 2014 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: An inefficient market creating drag on index returns
Replies: 25
Views: 1188

Re: Trip to the Caribbean - Suggestions

Vieques is nice. Inn on the Blue Horizon is a romantic place to stay. The beaches are great, the Inn is seaside but does not have a great beach, so you need a rental car if you stay there. You could probably stay in Esperanza and not get a rental car, but we always get one because exploring is fun. ...
by tadamsmar
Sun Aug 31, 2014 8:25 am
 
Forum: Personal Consumer Issues
Topic: Trip to the Caribbean - Suggestions
Replies: 31
Views: 1755

Re: I'd buy an S&P 500 index fund in a pinch

For some of my equity investing, I use the an S&P 500 fund in my 401K and the Vanguard Extended Market fund in my IRAs at about a 3 to 1 ratio to approximate the TSM while keeping 401K fees as low as possible.
by tadamsmar
Fri Aug 29, 2014 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5447

Re: No car for 10 years - should I scratch the itch?

bloom2708 wrote:If you have driven and 1984, 1994, 2004 or 2014 you have driven a Wrangler. The 2014 might have a CD player, but they aren't that much different.


The pre-2007 Wrangler did not have ESC, so those have a 50% higher fatality rate due to that alone, not to mention other less important safety features.
by tadamsmar
Fri Aug 29, 2014 8:15 am
 
Forum: Personal Consumer Issues
Topic: No car for 10 years - should I scratch the itch?
Replies: 28
Views: 2059

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Stock prices are headed for a fall, as always.
by tadamsmar
Thu Aug 28, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 2946

Re: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."

Published prediction articles very often "seem[] well reasoned" My posting from a similar board made moment ago : "I could predict that the Buffalo Bills will win the 2015 Super Bowl. If I'm correct, I can remind everyone. If I'm incorrect, nobody will remember." It is not a pre...
by tadamsmar
Thu Aug 28, 2014 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel Opinion in WSJ -- "Are Stock Prices ..."
Replies: 26
Views: 2946

Re: Fidelity vs Vanguard target funds, exactly what is going

Other than the ER difference, I'd guess VFORX is doing better because: 1. The US stock market has been very good to cap weighted indexes recently, relative to active funds. When the market is going straight up this tends to be relatively better for indexes. 2. With FFFFX, you are paying hidden fees ...
by tadamsmar
Wed Aug 27, 2014 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Vanguard target funds, exactly what is going on?
Replies: 9
Views: 1013

Re: What 5 stocks can I own forever?

The is also the question of where to own forever, what jurisdiction has the lowest long-long-term tax rates:

http://www.benbest.com/cryonics/CryoFAQ.html#_IIIL_
by tadamsmar
Mon Aug 25, 2014 3:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: What 5 stocks can I own forever?
Replies: 58
Views: 4433

Re: S&P500 over 2000

I am a stay-the-course type and have taken no new action based on hitting "2000" but I like to compare my personal circumstances with 2 particular points on the rise of the S&P500 S&P500 at 666: In 2009, I was sitting at my uncles house (I suppose I was "homeless") watch...
by tadamsmar
Mon Aug 25, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5331

Re: Buy & Hold Forever Blue Chip Stocks???

I love owning individual stocks! It's wonderful! I own hundreds of them, maybe thousands, not sure exactly how many! I'd own them all if I could! And to prove it I do the next best thing, I own a mutual fund designed to capture all the return from owning all of them. My actions indicate that I am pe...
by tadamsmar
Mon Aug 25, 2014 9:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3855

Re: Buy & Hold Forever Blue Chip Stocks???

I plan to buy and hold all those as part of my TSM fund, I have more that 20K in those blue chips you are picking. I guess "forever" is till you die? If not, I am more interested in how you plan to pull that off. You ideology seems to amount to rear-view mirror gazing and a fetish with the...
by tadamsmar
Sun Aug 24, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy & Hold Forever Blue Chip Stocks???
Replies: 73
Views: 3855

Re: Vanguard Agent Authorization

The competition (Schwab, Fidelity) also have rules against password sharing.
by tadamsmar
Fri Aug 22, 2014 11:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2605

Re: Vanguard Agent Authorization

Obviously they trust your wife more than they trust you. Hmmmm. I trust my wife more than I trust myself too. Good policy I think. I think this article is interesting. Spouses have different levels of security awareness: http://www.forbes.com/sites/ruchikatulshyan/2013/08/23/is-your-spouse-your-big...
by tadamsmar
Fri Aug 22, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2605

Re: Vanguard Agent Authorization

Agent authorization isn't complete or adequate. I cannot view my wife's retirement accounts when I log into my Vanguard account. Similarly 529s can only have a single owner so not viewable from both accounts. One of my relatives depends on me to keep her accounts on track. I have agent authorizatio...
by tadamsmar
Thu Aug 21, 2014 2:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2605

Re: Best way to control someones account.

At Vanguard, use an Agent Authorization.

With my MIL, we called Vanguard together and set up her accounts on the phone. Then she filled out the paperwork to arrange Agent Authorization.
by tadamsmar
Tue Aug 19, 2014 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best way to control someones account.
Replies: 22
Views: 1838

Re: Why no transaction alerts from Vanguard/others?

I got email about my last password change the same day. I got a transaction confirmation the next day recently.

Not sure how I set this up, been a long time.
by tadamsmar
Tue Aug 19, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1234

Re: Vanguard Agent Authorization

We have a policy of not discussing financial accounts with anyone who calls us. We call them back using a number we know or find ourselves. Schwab, Fidelity, and Vanguard have similar policies concerning password sharing. if a fraud is perpetrated against you then you are at greater risk of not gett...
by tadamsmar
Tue Aug 19, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Agent Authorization
Replies: 40
Views: 2605

Re: Windows 7 PC?

I disabled all the processes that startup automatically, and this seems to help with the black screen problems when switching users with Windows 8.1. At least, I can't cause it at will merely by switching users.
by tadamsmar
Sat Aug 16, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2420

Re: Windows 7 PC?

I will give malwarebytes a try if the problem returns after my efforts today.
by tadamsmar
Sat Aug 16, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2420

Re: Windows 7 PC?

It also seems to be infected with ask.com much worse than XP ever was. I keep trying to remove it and it keep coming back and taking over IE. I have searched for help and tried everything I can. It's like there is some kind of hidden program. I did recently find a setting in IE that is suppose to k...
by tadamsmar
Sat Aug 16, 2014 1:19 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2420

Re: Windows 7 PC?

I have windows 8.1. It seems to be bug infested. It blue screens or black screens and I have to power down and back up pretty often. I find it hard to find solutions to problems on the web, much harder than with XP. I had to turn off all plugins in Chrome to keep it working, but I think they still ...
by tadamsmar
Sat Aug 16, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2420

Re: Windows 7 PC?

I have windows 8.1. It seems to be bug infested. It blue screens or black screens and I have to power down and back up pretty often. I find it hard to find solutions to problems on the web, much harder than with XP. I had to turn off all plugins in Chrome to keep it working, but I think they still ...
by tadamsmar
Sat Aug 16, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2420

Re: Teaching teen to drive

I think this is a good resource:

http://teendriving.statefarm.com/
by tadamsmar
Sat Aug 16, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Teaching teen to drive
Replies: 31
Views: 1413

Re: Windows 7 PC?

I have windows 8.1. It seems to be bug infested. It blue screens or black screens and I have to power down and back up pretty often. I find it hard to find solutions to problems on the web, much harder than with XP. I had to turn off all plugins in Chrome to keep it working, but I think they still p...
by tadamsmar
Sat Aug 16, 2014 6:29 am
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2420

Re: Flood proofing a basement

Have you considered changing the grade in that area? You might be able to fill a bit to get the water (or more if the water) to drain away. Changing the grade anywhere in the surface area that drains toward the door would help. And, could clogged gutters or inadequate gutter drainage be contributing...
by tadamsmar
Thu Aug 14, 2014 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1821

Re: Flood proofing a basement

>>> Have you had a plumber run a camera down the drain to see if there are any obstructions? I guess that is the first logical step. I just did a google on "pipe scoping atlanta" and called the first company that came up, called "Rooter Plus". The odd thing is that they would no...
by tadamsmar
Thu Aug 14, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: Flood proofing a basement
Replies: 24
Views: 1821

Re: Debit VS Credit Cards Security

My local bank has advised that on there Debit/Credit card they will now only accept as a Debit Card with the use of your Pin number. This was done they said for better security. I always thought the Credit Card provided better security for the consumer. Have received a new Credit Card from Chase Ba...
by tadamsmar
Thu Aug 14, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debit VS Credit Cards Security
Replies: 19
Views: 1505

Re: House, mortgage and no will -- if parents pass away

Not sure a guardian would automatically have any rights to use the child's property in this manner, either the house or the inherited funds. It's a question for a lawyer. They don't have a will, but you start in talking about "The legal guardian" as if one materialized out of thin air. Did...
by tadamsmar
Thu Aug 14, 2014 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: House, mortgage and no will -- if parents pass away
Replies: 12
Views: 1040

Re: Advice for my mother (Widowed @ 62)

My MIL was in a variable annuity (VA) with a broker and I eventually convinced her to move to Vanguard. I tried to educate her about the fees, but I did not nag her about it and it took years. Anyway, I think she changed when we caught her broker lying to her. She was nearing 90 and her broker told ...
by tadamsmar
Thu Aug 14, 2014 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice for my mother (Widowed @ 62)
Replies: 13
Views: 1374

Re: Reminder: Check your 401K contribution rates

I my case, I have to do the calculations on the pay date (which is a few days after the pay period). One unknown is the time between when I make the request for a change in the size of my contribution and when that change will take effect. I have to watch my paychecks to see when the change takes ef...
by tadamsmar
Wed Aug 13, 2014 8:19 am
 
Forum: Investing - Theory, News & General
Topic: Reminder: Check your 401K contribution rates
Replies: 27
Views: 3708

Re: How to Minimize Taxes: Family Selling Farm (Estate Plann

I sold my half of a family farm about 2 years ago. I think I looked at all the angles. I could move there and establish residence. I could do a 1031 exchange. I could keep the land, but I had a good offer from a Nascar driver that was causing local land prices to rise with his investments in buying ...
by tadamsmar
Wed Aug 13, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Taxes: Family Selling Farm (Estate Planning)
Replies: 21
Views: 1607

Re: How to Minimize Taxes: Family Selling Farm (Estate Plann

The capital gains taxes will be higher than 20% due to state taxes, depending on the state. They could do a 1031 tax-free exchange, but that would leave them with another property to manage. But there are some REIT-like properties for 1031. My my state the cap gain is taxed as income. It adds an ad...
by tadamsmar
Tue Aug 12, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Taxes: Family Selling Farm (Estate Planning)
Replies: 21
Views: 1607

Re: How to Minimize Taxes: Family Selling Farm (Estate Plann

The capital gains taxes will be higher than 20% due to state taxes, depending on the state.

They could do a 1031 tax-free exchange, but that would leave them with another property to manage. But there are some REIT-like properties for 1031.
by tadamsmar
Tue Aug 12, 2014 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Taxes: Family Selling Farm (Estate Planning)
Replies: 21
Views: 1607

Re: Reminder: Check your 401K contribution rates

rkhusky wrote:I just use a fixed dollar amount.


I have to use a whole number percentage amount.
by tadamsmar
Mon Aug 11, 2014 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: Reminder: Check your 401K contribution rates
Replies: 27
Views: 3708

Re: Reminder: Check your 401K contribution rates

Yes, it's employer dependent. Some plans get rid of the need manage the glide path.
by tadamsmar
Mon Aug 11, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Reminder: Check your 401K contribution rates
Replies: 27
Views: 3708

Reminder: Check your 401K contribution rates

If your plan is like mine, you need to do "mid-course corrections" to your paycheck contribution rates to ensure that the year's total contribution comes in at the maximum withdrawal limit right on time, not too early. If I hit the max too early, then I will lose my employer match for payc...
by tadamsmar
Mon Aug 11, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Reminder: Check your 401K contribution rates
Replies: 27
Views: 3708

Re: Vanguard computer security

From the online fraud policy: "This protection does not apply to unauthorized activity caused in whole or in part by your fraudulent, intentional, or negligent acts or omissions, including activity by a person whom you have intentionally or negligently permitted to transact in your account, or...
by tadamsmar
Fri Aug 08, 2014 8:13 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3655

Re: Vanguard computer security

Vanguard has an online fraud reimbursement policy. Vanguard's online fraud policy Our commitment regarding online security is simple. If assets are taken from your account in an unauthorized online transaction on Vanguard.com®—and you've followed the steps described in the Your responsibilities sec...
by tadamsmar
Thu Aug 07, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3655

Re: Vanguard computer security

Vanguard has an online fraud reimbursement policy. Vanguard's online fraud policy Our commitment regarding online security is simple. If assets are taken from your account in an unauthorized online transaction on Vanguard.com®—and you've followed the steps described in the Your responsibilities sect...
by tadamsmar
Thu Aug 07, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard computer security
Replies: 67
Views: 3655

Re: How do you document your HSA "stuff?"

I certainly agree that's how most Bogleheads will probably use an HSA but most of the folks I've talked to with HSAs submit bills for reimbursement as the money is spent. And I can't tell you how many CP2000 letters I've seen because people take the reimbursement and then fail to file the appropria...
by tadamsmar
Thu Aug 07, 2014 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2180

Re: How do you document your HSA "stuff?"

This sounds like a very efficient and streamlined approach. It also seems unlikely to attract unfavorable attention from the IRS and even if it does, you are very well prepared. It seems to me that folks who save up years of bills and then decide to file a bunch of year's worth of expenses all at o...
by tadamsmar
Thu Aug 07, 2014 8:55 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2180

Re: What Used Car Should I Get for <10K

Get one with ESC. A car without ESC is has a 50% higher fatality rate. Here's how to find one with ESC: http://epicurusgarden.blogspot.com/2011/09/how-to-buy-used-car-with-esc.html If you take the advice from a number of other posts on this thread you will not get one without ESC. Also, this is a go...
by tadamsmar
Wed Aug 06, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: What Used Car Should I Get for <10K
Replies: 30
Views: 2473

Re: Should i Buy a new car

Stability control was optional on a 7.5 year old Corrola. If it does not have stability control, then it has a 50% higher fatality rate than a modern car with stability control, and a modern car would be somewhat safer in other ways. Stability control was mandated on all cars for the 2012 model year...
by tadamsmar
Wed Aug 06, 2014 8:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Should i Buy a new car
Replies: 87
Views: 3968

Re: How do you document your HSA "stuff?"

This sounds like a very efficient and streamlined approach. It also seems unlikely to attract unfavorable attention from the IRS and even if it does, you are very well prepared. It seems to me that folks who save up years of bills and then decide to file a bunch of year's worth of expenses all at o...
by tadamsmar
Wed Aug 06, 2014 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2180

Re: How do you document your HSA "stuff?"

I'm not going to worry too much about the documentation. We keep scanned copies of all bills and the receipts showing they were paid; and the EOBs. Will keep our tax returns including all the schedules indefinitely but don't plan to keep any other documentation. If you used an FSA, then you would n...
by tadamsmar
Wed Aug 06, 2014 8:20 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2180

Re: How do you document your HSA "stuff?"

If you just take the tax-free withdrawals ASAP to avoid keeping records, don't you have to keep the records for a few year anyway, past the point where you can't be audited by the IRS?
by tadamsmar
Tue Aug 05, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2180

Re: It seems Warren Buffett believes in DCA

Here are some experts who advocate DCA...Bogle...Malkiel...Tyson...Buffet I'll put one expert against these, Swedroe: http://www.cbsnews.com/news/when-dollar-cost-averaging-doesnt-make-sense/ Unlike your experts, Swedroe provides a reference to the peer-reviewed literature that is a logical proof t...
by tadamsmar
Tue Aug 05, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: It seems Warren Buffett believes in DCA
Replies: 44
Views: 3986

Re: How do you document your HSA "stuff?"

Another rub is if you want to withdraw, then your will have to have at least a lower bound on your qualified expenses. But maybe you will have large expenses later such that only a few bills will have sufficient qualified expenses, and you will not have to sort through everything. Actually, you don...
by tadamsmar
Tue Aug 05, 2014 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: How do you document your HSA "stuff?"
Replies: 38
Views: 2180
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