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Re: When you reach your number and keep working

I think part of the consideration of hitting your number and continuing working is what age you hit your number.

I think the answer could be potentially different if you hit your number in your mid 30s vs mid 50s.
by twist101
Wed May 01, 2013 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: When you reach your number and keep working
Replies: 71
Views: 7099

Re: Help me manage a $7 million portfolio.

Thanks for the replies once again. I'll probably give Rick Ferri a call; he only charges .20% on AUM > 3 million. Do you guys think that should my family choose him (or someone like him), we should only keep the money there for the first year, so that the portfolio is set up and then I can manage t...
by twist101
Thu Apr 18, 2013 12:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me manage a $7 million portfolio.
Replies: 105
Views: 13579

Re: How to determine if individuals have invested in a compa

http://pandodaily.com/2013/04/10/portfolio-tracking-app-ibillionaire-launches-today/ "Touting a simple concept, iBillionaire tracks the portfolios of the world’s leading billionaires (Warren Buffett, Carl Icahn and many other rich old men) allowing you to ape their (hopefully) sage investment d...
by twist101
Mon Apr 15, 2013 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: How to determine if individuals have invested in a company?
Replies: 5
Views: 664

Re: Need car for 6-8 months ... buy, lease, rent, ?

Hmm ... thinking about this further. I think I might have another option:

1) Buy a used car (I only need it Monday - Fridays)
2) Rent it using wheelz.com on the weekends. This way I'm generating money off the car which could go towards potential repairs
by twist101
Wed Apr 10, 2013 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need car for 6-8 months ... buy, lease, rent, ?
Replies: 9
Views: 804

Re: Need car for 6-8 months ... buy, lease, rent, ?

icefr wrote:What about something like Car2Go? It should have a fairly low daily cost since you only pay for the minutes commuted each way, unlike Zipcar.


Car2Go looks pretty awesome. I live in San Francisco, so will have to see if there is anything similar.
by twist101
Wed Apr 10, 2013 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need car for 6-8 months ... buy, lease, rent, ?
Replies: 9
Views: 804

Re: Need car for 6-8 months ... buy, lease, rent, ?

Other options would be 1) Zipcar or similar if available (but probably not good for a workday commute) or 2) Assuming a lease (lease trader) If you are planning low mileage over the 6-8 months. Thanks for the tip about lease trader! I'd probably only need to travel 14 miles per day Monday through F...
by twist101
Wed Apr 10, 2013 5:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need car for 6-8 months ... buy, lease, rent, ?
Replies: 9
Views: 804

Re: Need car for 6-8 months ... buy, lease, rent, ?

Twins Fan wrote:Is public transportation available from where you will be staying to where you work? Do you have any co-workers that live near where you will be staying to car pool with and pay them some $$?


Yes, there is public transportation, but it would take a long time to get to work :(
by twist101
Wed Apr 10, 2013 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need car for 6-8 months ... buy, lease, rent, ?
Replies: 9
Views: 804

Need car for 6-8 months ... buy, lease, rent, ?

I'll be in need of a car while I remodel my house (I currently walk to work, but temporary housing will require a car). I was hoping to get some ideas for the cheapest way to have access to a car for 6-8 months. Also, I'll only need the car Monday - Friday. My current thinking is that I could buy a ...
by twist101
Wed Apr 10, 2013 4:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need car for 6-8 months ... buy, lease, rent, ?
Replies: 9
Views: 804

Re: San Francisco with kids?

So what we will need in San Francisco is lodging for a family of 5 plus car parking and hopefully a decent safe place to store an expensive tandem. Although I'm contemplating just boxing up the bike and shipping it back to Texas so I don't have to deal with it in SF and on the road trip home. Be su...
by twist101
Tue Apr 09, 2013 4:21 pm
 
Forum: Personal Consumer Issues
Topic: San Francisco with kids?
Replies: 39
Views: 2134

Re: San Francisco with kids?

I've got kids the same age as your 2 younger kids and we live in San Francisco. Here are a couple of ideas for places to visit: California Academy of Sciences: http://www.calacademy.org/ Friday evenings at the DeYoung Museum. They usually have live entertainment and art activities for the kids + it'...
by twist101
Mon Apr 08, 2013 8:21 pm
 
Forum: Personal Consumer Issues
Topic: San Francisco with kids?
Replies: 39
Views: 2134

Re: Is today a RBD

Was inspired to create this Bogleheads propaganda (which leverages the British WWII propaganda):

Image
by twist101
Fri Apr 05, 2013 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is today a RBD [Really Bad Day]
Replies: 83
Views: 8104

Re: Rick ferri portfolio solutions

Here's a thread about Rick's portfolio:
viewtopic.php?t=58709

Are you considering becoming a client of Portfolio Solutions?
by twist101
Fri Apr 05, 2013 4:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Rick ferri portfolio solutions
Replies: 33
Views: 3549

Re: What's your number? Why?

Here is a simple formula that I introduced in my first book, Serious Money: 1) Figure your annual spending in retirement 2) Subtract annual Social Security and other non-investment income 3) Multiply the remaining amount by 20. That's close to your number. Rick Ferri Is this assuming retirement at ...
by twist101
Fri Mar 08, 2013 8:13 am
 
Forum: Investing - Theory, News & General
Topic: What's your number? Why?
Replies: 258
Views: 23316

Re: Hitting Your Number and Reducing Your Risk

A recent post by a Boglehead who had hit his number and Rick Ferri's suggestion to now reduce risk got me searching for articles on taking money off the table once you've won the game. I cannot seem to find them. Anyone have links to them? Thanks. I recall that as being an interesting article also....
by twist101
Thu Mar 07, 2013 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hitting Your Number and Reducing Your Risk
Replies: 16
Views: 1218

Re: ESPP question

Option 1) Purchase about 5k in first offering period and hold for 2 years and purchase again next year after annual bonus when I can afford to purchase more. Option 2) Purchase about 5k in first offering period and immediately sell...pay the taxes on the gains and reinvest each offering period maxi...
by twist101
Thu Mar 07, 2013 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: ESPP question
Replies: 9
Views: 698

Re: Start-up likely to get bought... exercise options now?

Questions: 1. Am I thinking about the pros/cons correctly? Anything I missed? 2. The company allows for “Early Exercise” to allow me to buy my unvested options... I’m tempted given the looming liquidity event... any thoughts on that? Also, can/should I do an 83b election for these? 1. Yes, I think ...
by twist101
Wed Mar 06, 2013 4:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Start-up likely to get bought... exercise options now?
Replies: 10
Views: 1199

Re: Burton Malkiel, Wealthfront CIO

The Wizard wrote:I'd keep my eye on Expense Ratios within this company, Burton or no Burton...


Average expense ratios for ETFs there are 0.14%.
by twist101
Tue Mar 05, 2013 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel, Wealthfront CIO
Replies: 89
Views: 13370

Re: Burton Malkiel, Wealthfront CIO

What are the five asset classes they added? Wealthfront has added five income-producing asset classes to increase your portfolio returns without exposing you to more risk. The new asset classes are: Municipal Bonds Corporate Bonds Treasury Inflation Protected Securities (TIPS) Emerging Market Bonds...
by twist101
Tue Mar 05, 2013 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel, Wealthfront CIO
Replies: 89
Views: 13370

Burton Malkiel, Wealthfront CIO

I just signed up for a Wealthfront account last week and deposited a small amount as an experiment (The first 10k managed is free, so in true Boglehead spirit I'm paying for nothing for what I've got invested). Burton Malkiel (A Random Walk down Wall Street) recently joined the company as CIO and to...
by twist101
Tue Mar 05, 2013 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Burton Malkiel, Wealthfront CIO
Replies: 89
Views: 13370

Re: Guru that gullible and irresponsible coworker could foll

Have her pick up Ramit Sethi's book 'I will teach you to be rich'. Ramit's got a tough love approach ... sounds perfect for your coworker.
http://www.iwillteachyoutoberich.com/book/
by twist101
Tue Feb 26, 2013 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Guru that gullible and irresponsible coworker could follow?
Replies: 16
Views: 1736

Re: Stock options/grants, how do you handle?

Are you working for a public company or a pre-ipo company? If pre-ipo you may want to see whether or not you're able to early exercise and file an 83b election. Here are some articles about considering selling off RSUs and options: Why You Should Treat Vested RSUs As A Cash Bonus https://blog.wealth...
by twist101
Fri Feb 22, 2013 12:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Stock options/grants, how do you handle?
Replies: 21
Views: 1044

Re: Rick Ferri coming to San Francisco! on 3/13/13

Looking forward to meeting Rick in SF!
by twist101
Fri Feb 22, 2013 12:02 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Rick Ferri coming to San Francisco! on 3/13/13
Replies: 8
Views: 1015

Re: Help For Large Portfolio

You may also want to look at the Garrett Planning Network for a fee only financial advisor:
http://garrettplanningnetwork.com/
by twist101
Tue Nov 27, 2012 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: Help For Large Portfolio
Replies: 18
Views: 1861

Re: What does it feel like to have $1M+ liquid?

Quora has some good answers: [A member reported that these websites contain malware, so I am removing this links as a precaution. One of the links was to the San Francisco Chronicle, the other to Quora (a website that links to Facebook). If you are suspicious of a website, enter the URL in: Norton S...
by twist101
Sun Oct 21, 2012 11:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: What does it feel like to have $1M+ liquid?
Replies: 126
Views: 13496

Re: New York - Cable for bogleheads

What channels are you trying to watch?

You might try a couple of these options:

https://aereo.com/home
http://www.hulu.com/

Or split the cost of Xfinity and share the on demand feature:
http://www.comcast.com/Corporate/Learn/ ... cable.html
by twist101
Mon Oct 08, 2012 4:34 pm
 
Forum: Personal Consumer Issues
Topic: New York - Cable for bogleheads
Replies: 16
Views: 1170

Re: Charitable giving for research

Looks like the Bogleheads wiki has some info on donor advised funds:
http://www.bogleheads.org/wiki/Donor-Advised_Funds
by twist101
Tue Oct 02, 2012 8:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Charitable giving for research
Replies: 10
Views: 755

Re: 529 - Should I use an age based plan?

tludwig23 wrote:
TLT is the ticker for Barclays 20+ Year Treasury Bond Fund.

Barclays Short Treasury Bond Fund is SHV


Thanks for catching that error!
by twist101
Fri Sep 28, 2012 5:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 - Should I use an age based plan?
Replies: 10
Views: 550

Re: 529 - Should I use an age based plan?

If that is the case, I would question why your advisor chose Arkansas. They are not in the short list of best 529s that I typically see (Utah, Nevada, New York, and one other that I forget with DFA) I'm not sure why he chose Arkansas either. I really appreciate the input. It seems like Utah is a be...
by twist101
Fri Sep 28, 2012 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 - Should I use an age based plan?
Replies: 10
Views: 550

Re: 529 - Should I use an age based plan?

In California there is no state tax benefit to using any 529. Arkansas is not the best or cheapest 529. Consider switching to a cheaper plan. I use Utah, but there are several good, cheap plans available, including Nevada, Illinois, etc. I don't like age-based 529 plans. I don't like not having con...
by twist101
Fri Sep 28, 2012 5:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 - Should I use an age based plan?
Replies: 10
Views: 550

Re: 529 - Should I use an age based plan?

wilked wrote:$5000 deduction for 529 in Arkansas, FYI


I'm guessing that deduction only applies if you live in Arkansas? I live in California. Thanks!
by twist101
Fri Sep 28, 2012 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 - Should I use an age based plan?
Replies: 10
Views: 550

Re: 529 - Should I use an age based plan?

First, I wouldn't use a 529 until I was maxing out any employer retirement plan as well as any IRA that you qualify for. If you are comfortable and understand the glide path of the age based plan then why not use it? If it doesn't fit this criteria I'd make my own. I think it is wise to error on th...
by twist101
Fri Sep 28, 2012 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 - Should I use an age based plan?
Replies: 10
Views: 550

529 - Should I use an age based plan?

My financial advisor helped set up an iShares 529 plan (Arkansas) for my 2 children, 6 and 9. I'm wondering whether or not it makes sense to move the portfolios over to age based plans so I don't have to think about rebalancing and changing asset allocations as they get closer to college age. My dau...
by twist101
Fri Sep 28, 2012 10:50 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 - Should I use an age based plan?
Replies: 10
Views: 550

Re: What's the best way to get a job?

LinkedIn is a great tool for researching companies that you're interested in. Also if you add connections on LinkedIn, you're more likely to find someone who either works at that company or is connected to someone who is. Getting an inside referral from a current employee is going to give you an edg...
by twist101
Mon Sep 24, 2012 8:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's the best way to get a job?
Replies: 28
Views: 1908

Re: High Net Worth - to do's?

I would second the recommendation to donate stock/shares with long term capital gains into a charitable giving account like Fidelity Charitable. I would also evaluate lifetime giving plans, and consider donation of appreciated shares to a donor advised trust. This allows taking a tax break now for c...
by twist101
Thu Sep 20, 2012 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Net Worth - to do's?
Replies: 22
Views: 3086

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