Search found 1067 matches

by AndroAsc
Tue Oct 03, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Voting...
Replies: 4
Views: 592

Re: Vanguard Voting...

Well I've been with Vanguard since 2010, and this is the first time they contacted me about voting so aggressively. With the exception of proposition 7, that seems to have generated lots of comments on the other locked thread, are you guys just voting with the recommended default settings for the re...
by AndroAsc
Tue Oct 03, 2017 9:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Voting...
Replies: 4
Views: 592

Vanguard Voting...

Ok, received a call out of the blue about some Vanguard voting, and also did receive some mail about it. So are any of you guys voting? I don't even know what this is about, in terms about the ramifications of us small-time personal investors. My bottomline concern is if the current Vanguard busines...
by AndroAsc
Tue Oct 03, 2017 5:16 pm
Forum: Investing - Theory, News & General
Topic: Deflation Hedge: I Can't Convince Myself to Do It
Replies: 8
Views: 867

Re: Deflation Hedge: I Can't Convince Myself to Do It

I didn't really want to move into the direction of "should we care about deflation". I'll just give my 2 cents. I have a 35-yr time horizon till retirement age. I don't want to know or predict stuff about the markets, geopolitics or whatever. So inflation and deflation to this naive investor has equ...
by AndroAsc
Tue Oct 03, 2017 5:07 pm
Forum: Investing - Theory, News & General
Topic: Deflation Hedge: I Can't Convince Myself to Do It
Replies: 8
Views: 867

Deflation Hedge: I Can't Convince Myself to Do It

I have a diversified (probably too much slide and dice) portfolio, but one thing I've not done is to have assets for deflation hedging. I am aware of the asset class, i-Bonds and LT-bond that perform well during deflation, but I find it difficult to convince myself to purchase them today (or even in...
by AndroAsc
Mon Oct 02, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: So... What bond fund or bond-like instrument do you use?
Replies: 47
Views: 4133

So... What bond fund or bond-like instrument do you use?

It's been a while since low interest rates started. And all of our fears of hyperinflation seems to have went up in smoke (I certainly had some during 2008). What funds are you guys using these days, assuming we have no predictive power or whether the future with be deflationary or hyperinflationary...
by AndroAsc
Tue Sep 05, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Question on tax time for selling noncovered shares
Replies: 4
Views: 401

Question on tax time for selling noncovered shares

I'm a bit greener to this then most people are. Most of my investments were after IRS made it mandatory for all brokers to report cost basis. Right now, I would like to sell a few non-covered shares, which as a little capital gain according to Vanguard. The weird thing is that Vanguard does state th...
by AndroAsc
Mon Aug 21, 2017 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Do self-employment 401k have different limits from salaried 401k?
Replies: 1
Views: 231

Do self-employment 401k have different limits from salaried 401k?

I'm still a bit fussy on this matter. For salaried 401k, I can contribute $18,000. Through after-tax and employer contributions, I can do another $54,000 - $18,000 = $36,000. Let's assume I maxed out both employee and employer/after-tax contribution to $54,000. Can I save more in my self-employment ...
by AndroAsc
Sun Aug 13, 2017 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question
Replies: 10
Views: 1056

Re: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question

Why set up an LLC at all? Seems like you could do everything you want to do as a sole proprietor (schedule C). For example, you can set up a retirement account. To start, I would definitely set up a business bank account and start very clearly separating business from personal expenses. All busines...
by AndroAsc
Sun Aug 13, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question
Replies: 10
Views: 1056

Setting up a LLC for side gig: 401(k)/IRA & Tax Management Question

This year I am thinking of "legitimizing" my hobby which honestly have now turned into a "part-time job". I have no intention of abandoning my W-2 job, but I would like to get the tax benefits of a "legitimate" tax paying side gig. Let's say for simplicity my W-2 income is $100k and my business annu...
by AndroAsc
Tue Apr 11, 2017 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Help me understand 0% APR Credit Card Offers - Is it a good loan option?
Replies: 21
Views: 2041

Help me understand 0% APR Credit Card Offers - Is it a good loan option?

I keep getting 0% APR offers on balance transfer on my existing cards. I've never taken them up as I think there are still fees associated with the balance transfer, and I don't carry a balance anyway. But recently, I've gotten more into the reselling game, and I'm trying to generate float for my op...
by AndroAsc
Sun Apr 09, 2017 1:03 am
Forum: Personal Finance (Not Investing)
Topic: How do I know if I am filing my taxes correctly?
Replies: 39
Views: 3451

How do I know if I am filing my taxes correctly?

As above, is there any "sure" way to know if I am filing my taxes correctly, short of being so "fortunate" to be audited by the IRS. I use the standard tax software to file my taxes (HR Block). Last year I missed a 1099-INT of $50ish and had to file an amendment. This year, I alm...
by AndroAsc
Sat Feb 25, 2017 7:49 pm
Forum: Personal Consumer Issues
Topic: Where to buy non-US OTC medication and have it shipped to the US?
Replies: 3
Views: 536

Where to buy non-US OTC medication and have it shipped to the US?

I'm hoping that at least someone on this board have looked at it before. I need to purchase some non-US OTC medication, in particular bromhexine cough medication. I only know of eBay and it ships from Australia but it costs a whopping $25+ in USD. Is there any reliable way of ordering medication fro...
by AndroAsc
Sat Feb 25, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 86
Views: 7916

Re: Vanguard Lousy Customer Service

Last month, they processed my in-service withdrawal from my 401(k) late, and then they withdrew the amount from both my Stable Value Fund and Bond Fund, when I instructed them to only withdraw from the Stable Value Fund. In even had new contributions get directed to Bond Fund, because they were run...
by AndroAsc
Fri Feb 24, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 170
Views: 29044

Re: Wow, Vanguard Flagship service is bad. Really bad.

Not really related to your problem, but at least the bad service you had did not have any negative consequences apart from minor inconveniences. I have a Vanguard 401k from work, and I must say it is down right terrible. Their first mistake cause me to waste an in-service withdrawal request (I have ...
by AndroAsc
Fri Feb 24, 2017 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 86
Views: 7916

Vanguard Lousy Customer Service

[OT comment removed by moderator prudent] Last month, they processed my in-service withdrawal from my 401(k) late, and then they withdrew the amount from both my Stable Value Fund and Bond Fund, when I instructed them to only withdraw from the Stable Value Fund. In even had new contributions get di...
by AndroAsc
Wed Feb 08, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k: Move Post-Tax Money only (not Roth or Pre-Tax)?
Replies: 0
Views: 200

Vanguard 401k: Move Post-Tax Money only (not Roth or Pre-Tax)?

So my Vanguard 401k has the option to have before-tax and post-tax money. For lengthy reasons, I'm super pissed at Vanguard who dropped the ball. Normally, I do a Mega Backdoor Roth and clear out my post-tax account, and then do my purchases, but they screwed up the timing. Not only that, I told the...
by AndroAsc
Tue Jan 24, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 2846

Re: Why are Stable Value Funds not outperforming Total Bond over the long run?

I think I must have mixed up between something else, because I thought Stable Value funds were slightly tilted to hold equities to boost returns, and they could do so because of their withdrawal restrictions, allowing them to "stay the course" during bad times, and of course because not ev...
by AndroAsc
Tue Jan 24, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Reflection on what to use for "Alternative" asset class and what to do next?
Replies: 17
Views: 1301

Re: Reflection on what to use for "Alternative" asset class and what to do next?

To clarify, by alternative I mean not bonds or stocks. REITs, International, Factor-loading/tilting, are all not alternative asset class. To answer "why alternatives": 1) Primary function is I use them as a hedge against "worst case"/doomsday scenarios like hyperinflation. This i...
by AndroAsc
Tue Jan 24, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Value Averaging, IRR Bias/Misconception: Have we been misled?
Replies: 0
Views: 294

Value Averaging, IRR Bias/Misconception: Have we been misled?

I've been doing Value Averaging since I started doing investments over a decade ago. I like VA for two reasons vs conventional DCA + rebalancing: 1) I can save towards a final "retirement number" which I can control. 2) I like the idea of methodically "buying low and selling high"...
by AndroAsc
Tue Jan 24, 2017 1:03 pm
Forum: Investing - Theory, News & General
Topic: Reflection on what to use for "Alternative" asset class and what to do next?
Replies: 17
Views: 1301

Reflection on what to use for "Alternative" asset class and what to do next?

When I first constructed my portfolio in 2010, there was limited "alternative" asset class. Eventually, I settled for 5% portfolio to commodity funds. Now I am aware that most funds don't perform well because of backwardation, something about how their financial instruments cannot track co...
by AndroAsc
Mon Jan 23, 2017 7:15 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 4111

Re: Why is Slicing/Dicing not Working?

I don't see the value tilt. Is it Vanguard Dividend Inv Shares? I don't know it well but it doesn't seem like a good way to get at value. Also commodities are only there as insurance and rarely give you great returns. But the simple answer is, the S&P 500 has been doing great and everything els...
by AndroAsc
Mon Jan 23, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 2846

Why are Stable Value Funds not outperforming Total Bond over the long run?

This has been puzzling me for a while. Whenever I check the rates of stable value fund vs total bond SEC yield, stable value funds are higher. In the last few years, their returns have also been better. But the longer >10 year record shows that total bond still wins out. Why? My understanding is tha...
by AndroAsc
Mon Jan 23, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 4111

Re: Why is Slicing/Dicing not Working?

lack_ey wrote:
AndroAsc wrote:Updated original post with specific fund allocations and more precise settings.

Look at the URL you just posted. Then go back to the filled-out page and copy the URL from the word "Link" to the right of the portfolio analysis results.


Got it, thanks.
by AndroAsc
Mon Jan 23, 2017 6:46 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 4111

Re: Why is Slicing/Dicing not Working?

Updated original post with specific fund allocations and more precise settings.
by AndroAsc
Mon Jan 23, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 4111

Re: Why is Slicing/Dicing not Working?

Well, I can tweak portfolio 1 by removing International Small-Cap that allows me to backtest to 2006.

Over 10 year period the IRR is 5.76%, 6.02%, 9.46% for portfolio 1, 2 and 3 respectively.

From that result international has been underperforming for a decade!
by AndroAsc
Mon Jan 23, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: Why is Slicing/Dicing not Working?
Replies: 37
Views: 4111

Why is Slicing/Dicing not Working?

Started in 2010, and I've stuck to my "sophisticated" portfolio over the years. I recently did a benchmark of my portfolio vs simpler ones, and I'm very disappointed to say it has performed really badly. These are all hypothetical numbers from m Portfolio 1: VTSAX Vanguard Total Stock Mark...
by AndroAsc
Thu Nov 17, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 3548

Re: Help me figure out the running cost of having winter tires

Do all season tires need to be stored in a climate controlled room? I'm thinking of putting my tires in the storage cabinet, but that is outside my apartment by the patio...

Alternatively I'll just put it at a corner in my living room and use this to wrap it up:
https://www.amazon.com/gp/product/B00XX ... PDKIKX0DER
by AndroAsc
Thu Nov 17, 2016 7:41 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 3548

Re: Help me figure out the running cost of having winter tires

If you put a set of tires in your dinning room your apartment will smell terrible. Tires smell like old rubber. And the black rubber will rub off on anything that touches it. So lots of things will get stained. I suggest you need to forget about buying snow tires until you can figure out another st...
by AndroAsc
Thu Nov 17, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 3548

Re: Help me figure out the running cost of having winter tires

Alright, I'll get tires soon, cause it's falling below freezing where I live, and I'll do the math and decide to wheel or not latter. Thanks!
by AndroAsc
Thu Nov 17, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 3548

Re: Help me figure out the running cost of having winter tires

HueyLD wrote:Can you get by with all season tires for all four seasons?


Too dangerous unless I don't leave town from Nov to Feb. I was trapped last year, and didn't like that.
by AndroAsc
Thu Nov 17, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 3548

Re: Help me figure out the running cost of having winter tires

Ok, did some further calcs seems that the breakeven point is about 3 years if buying wheels. Would I need to buy the wheels and winter tires together, or can I just buy the winter tires first, and decide on the wheels next year? There is also the possibility I may not stay in a snow area for the nex...
by AndroAsc
Thu Nov 17, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 3548

Re: Help me figure out the running cost of having winter tires

Radjob4me wrote:
AndroAsc wrote:Well I don't have the extra space to get a new set of wheels, live in an apartment.


Wait, so where would you keep your all-season-summer tires that you swap out?


Probably just leave it somewhere in the living room.

The weight is also an issue, I can't carry up a steel wheel up the stairs.
by AndroAsc
Thu Nov 17, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 3548

Re: Help me figure out the running cost of having winter tires

Well I don't have the extra space to get a new set of wheels, live in an apartment.
by AndroAsc
Thu Nov 17, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 3548

Help me figure out the running cost of having winter tires

I've been researching on getting a good price for winter tires, and I know Costco right now has $130 off, that gives me about $430ish, all in with tax, installation and stuff. Discount Tires will also price match. BUT... Then I read that swapping between winter and all-season tires at Costco is not ...
by AndroAsc
Sun Nov 13, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: Confused about Winter Tire Road Hazard Warranty
Replies: 9
Views: 921

Confused about Winter Tire Road Hazard Warranty

So Costco is having a sale now on Winter Tires, and with Exec membership it comes up to $130 off or just under $400 all inclusive of tax and extra warranties. Costco also offer a 5-year road hazard warranty, but under the ToS it is subject to regular balancing and rotation. The problem with doing ti...
by AndroAsc
Tue Oct 04, 2016 9:47 am
Forum: Personal Consumer Issues
Topic: Recommendations for safe online money transfer (e.g. Paypal) from 3rd party
Replies: 6
Views: 586

Re: Recommendations for safe online money transfer (e.g. Paypal) from 3rd party

Aren't bounced checks like a notorious problem for not accepting checks?
by AndroAsc
Tue Oct 04, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Recommendations for safe online money transfer (e.g. Paypal) from 3rd party
Replies: 6
Views: 586

Recommendations for safe online money transfer (e.g. Paypal) from 3rd party

I'm conducting some business online, and the merchant does not have the ability to pay by ACH. So far I've been offered the option to get paid through Paypal, Venmo or Dwolla. While this merchant have good references, it's my first transaction, and I am wary about these online money transfer service...
by AndroAsc
Fri Sep 30, 2016 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Why are there fees every month in my Vanguard 401k?
Replies: 13
Views: 1172

Re: Why are there fees every month in my Vanguard 401k?

The administrator is Vanguard, which is why I am letting this slide for a while.

They just list "Fee" as the description. It is very informative.
by AndroAsc
Fri Sep 30, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Why are there fees every month in my Vanguard 401k?
Replies: 13
Views: 1172

Why are there fees every month in my Vanguard 401k?

Does anyone have a Vanguard 401k? I just realized when I looked at my transaction history, there are multiple fees every month, sometimes more than once per month! For example, right now I have Total Stock Market Fund and Company Stable Value Fund. Every month, I am seeing a fee deduction: "Fee...
by AndroAsc
Thu Sep 22, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Advice on Getting Deals for Tires
Replies: 10
Views: 1487

Advice on Getting Deals for Tires

I'm shopping for tires, and soliciting advice on where to get good deals, what warranty options I should get, or not get, and here's what I found based on my research: - Tirerack.com and discounttiredirect.com offer usually the best prices, but their prices don't reflect installation and labor. It c...
by AndroAsc
Tue Aug 16, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 56
Views: 7824

Re: Long wait on Vanguard Phone Lines-What's going on?

Yeah, I called last week and it took AN HOUR for them to resolve my request. Did I miss the memo? Market is not crashing, where are all the calls coming from?
by AndroAsc
Thu Aug 11, 2016 5:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is there anyone in Eastern Washington?
Replies: 1
Views: 1298

Is there anyone in Eastern Washington?

Was wondering if there any Bogleheads in Eastern Washington... Would be nice to have a gathering of like-minded folks.
by AndroAsc
Fri Apr 15, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: How strong is your belief in AQR?
Replies: 47
Views: 7502

Re: How strong is your belief in AQR Kool-Aid?

Larry Swedroe, who thinks highly of this fund, I think said that he himself had only put 3% of his portfolio into it. Although he might had said later that he had increased it. With 3% does it even make a difference in the entire portfolio? I was under the impression that you need at least 5-10% in...
by AndroAsc
Fri Apr 15, 2016 11:44 am
Forum: Investing - Theory, News & General
Topic: How strong is your belief in AQR?
Replies: 47
Views: 7502

Re: How strong is your belief in AQR Kool-Aid?

A lot of people tilt to factors, sometimes heavily, via long-only funds from Vanguard and other non-AQR/DFA providers. Some avoid the "specialty" funds because of costs, risks, or other concerns, rather than qualms about the underlying motivations. Could you clarify what you really mean t...
by AndroAsc
Thu Apr 14, 2016 7:41 pm
Forum: Investing - Theory, News & General
Topic: How strong is your belief in AQR?
Replies: 47
Views: 7502

How strong is your belief in AQR?

First, I'm upset the poll option is gone. So I guess we're down to counting posts. I'm sure a good number of you are aware of AQR and their smart beta passive funds. I'll lump AQR with similar companies like DFA. In comparing AQR/DFA to Vanguard, how strong is your belief? Let's assume access to AQR...
by AndroAsc
Thu Apr 07, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3425

Re: Is TLH too much work for you?

I get a chuckle out of threads that talk about slice and dice portfolios being too complex or TLH being too much work. In this day and age of computer access to your entire portfolio the amount of work involved to perform these two examples of portfolio management amounts to less work than to make ...
by AndroAsc
Thu Apr 07, 2016 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3425

Re: Is TLH too much work for you?

It is a hobby, but I also like to keep things streamlined, and I also don't follow that much on the market movement and prices. It's the wash sale that doubles my work, because I have to look at my stuff 2X each quarter and be mindful of the 30 days. Was wondering if anyone has streamlined their TLH...
by AndroAsc
Thu Apr 07, 2016 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Difference between Vanguard FTSE International vs Total International
Replies: 9
Views: 1151

Difference between Vanguard FTSE International vs Total International

I can't tell the difference between the two. FTSE International used to not have Canada and used to be large cap only, but now the fund looks like it has both. The only difference is that FTSE International has 2000+ stocks, but Total International has 5000+ stocks. Am I missing anything?
by AndroAsc
Thu Apr 07, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3425

Is TLH too much work for you?

So I recently got into TLH, and it's a bit too much work for my taste. I have a feeling I am not streamlining it well. In the past, my investment maintenance is like this: 1) Login every quarter. Move money from money market / stable value fund to mutual fund and rebalance. DONE. Now, I need to do t...