Search found 48 matches

by CFR
Thu Nov 02, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: GPS watch
Replies: 26
Views: 2174

Re: GPS watch

Polar V800. Great GPS, long life. Used for bike, hiking, work-outs... Pretty much everything. Also works for swimming although I do not use as such. Polar software online is pretty good and interfaces with Strava etc. Uses Bluetooth to download all GPS data, temp, altitude, temperature, heart rate, ...
by CFR
Thu Aug 24, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 53
Views: 6065

Re: I did it and feel great about it (paid off mortgage)

Congratulations - yes it does fell great. Just remember to check with the city to see if everything is registered in your name correctly in couple of weeks and to get your local property tax bill sent to you. You do not want any late payment fee on your tax bill. I've been paid off for a few years ...
by CFR
Thu Aug 17, 2017 11:36 pm
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 16972

Re: Lost $7000 today in ONE DAY!

Yeah, we all lost money I guess. So although I try hard not get tax refunds, I had a state tax refund come in today for about $3000. So as is typical, I transferred that teeny little windfall into my account about bought VTI while it was down 1%. LOL, it closed down 1.6%. Just couldn't win today. :o...
by CFR
Mon Aug 14, 2017 4:07 pm
Forum: Personal Consumer Issues
Topic: How useful is a home security system?
Replies: 82
Views: 7860

Re: How useful is a home security system?

Last Saturday, when my wife and I went to a friend's house for dinner and my 20 year old son was sleeping in his room, some burglars smashed the double glass of my backdoor, entered the house, thoroughly searched every rooms except my son's room, found my safe, pried it open, and took away the cash...
by CFR
Wed Jul 19, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Full View usefulness?
Replies: 34
Views: 2947

Re: Fidelity Full View usefulness?

I use both Full View, and Personal Capital. Both have their issues. I have a number of different accounts across five different providers. In any case, if you go to: Analysis Tab - Detailed Holdings Tab, you can export all of your holdings in an excel file. With this file you can easily sort each ho...
by CFR
Mon Jul 17, 2017 3:25 pm
Forum: Investing - Help with Personal Investments
Topic: Are stock market returns doomed by the Baby Boomers?
Replies: 27
Views: 3371

Re: Are stock market returns doomed by the Baby Boomers?

Hi. I've lurked around for years and am finally posting... This may be a topic already discussed. If so, I apologize in advance.... With many/most Americans having less than stellar investment knowledge their 401ks are automatically invested in some fractionated version of the market. Those of us w...
by CFR
Mon Jul 17, 2017 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Accumulating Bonds During Record Stocks
Replies: 5
Views: 973

Re: Accumulating Bonds During Record Stocks

While I think you all could be right about market, if everyone is waiting for downturn, it is not going to happen. Even if it happens due to external shock, it will be small and short lived. Bubbles like 2008/2001 are built on massive speculation but not fear. I think I would rather categorize this...
by CFR
Mon Jul 17, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Accumulating Bonds During Record Stocks
Replies: 5
Views: 973

Accumulating Bonds During Record Stocks

Typically, I add funds to my 401K (max), Roth (max), and taxable (leftovers) at the beginning of the year. The rest of the year, contributions come in monthly drips and drabs. Usually from various small income streams and of course when I have extra money. I am in my early/mid fifties, expecting to ...
by CFR
Thu Jun 29, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 3428

Re: Amazon Echo vs. Google Home: which to get?

i am just starting to consider whether one of these eco-systems might work for our home. as an android user i am heavily invested in the google eco-system but i notice i have a few home devices that only seem currently compatible with Alexa/Echo (Arlo and Honeywell thermostat). does anyone have exp...
by CFR
Thu Jun 29, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo vs. Google Home: which to get?
Replies: 41
Views: 3428

Re: Amazon Echo vs. Google Home: which to get?

i am just starting to consider whether one of these eco-systems might work for our home. as an android user i am heavily invested in the google eco-system but i notice i have a few home devices that only seem currently compatible with Alexa/Echo (Arlo and Honeywell thermostat). does anyone have exp...
by CFR
Wed Jun 21, 2017 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Yet another Backdoor Roth IRA post
Replies: 6
Views: 832

Re: Yet another Backdoor Roth IRA post

I wanted to mention one possibility in regards to your wife's tax deferred TIRA. It may be possible to roll those funds into her company's 401K. Some plans have this allowance in their plans. Mine does. If so, then instead of paying taxes as you propose, do the rollover. I did exactly that before I ...
by CFR
Sun Jun 18, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Small, Mid, and Large Cap Allocation Calculation
Replies: 5
Views: 1103

Re: Small, Mid, and Large Cap Allocation Calculation

1. The $ amount\tickers would be: 7614.93 - (PREIX) 17324.80 - (VTIAX) 3767.53 (VBIIX) 13564.33 (VTSAX) 2. I don't fully understand the style box. All numbers need to add to 100, correct? If I use the instant x-ray tool with these values, the box is: 28 26 24 6 6 5 2 2 2 Does that mean, considering...
by CFR
Fri Jun 09, 2017 1:14 am
Forum: Investing - Help with Personal Investments
Topic: VCLT Long Term Corp v. VTEB Municipal
Replies: 9
Views: 1031

Re: VCLT Long Term Corp v. VTEB Municipal

Thanks for taking the time to post that. The 7 year duration of the Vanguard High-Yield Tax Exempt looks great as does the 3.02 percent yield. I just made the effort a couple of months ago thanks to Bogleheads and others to move my bond holdings to my IRA. Two cautions: Don't use this fund if you o...
by CFR
Fri Jun 09, 2017 1:11 am
Forum: Investing - Help with Personal Investments
Topic: VCLT Long Term Corp v. VTEB Municipal
Replies: 9
Views: 1031

Re: VCLT Long Term Corp v. VTEB Municipal

VCLT also has much more interest-rate risk; its duration is 14 years, versus 6 for VTEB. The Vanguard corporate ETF with comparable duration to VTEB is VCIT, the intermediate-term index, with a 3.15% yield. And even that is significantly riskier, as VCIT has 55% of its holdings rated BBB (lowest in...
by CFR
Fri Jun 09, 2017 12:48 am
Forum: Investing - Help with Personal Investments
Topic: Small, Mid, and Large Cap Allocation Calculation
Replies: 5
Views: 1103

Re: Small, Mid, and Large Cap Allocation Calculation

If you indicate 1. The fund tickers you want to use. 2. The morningstar style box you want i.e. VTI Vanguard Total market or tilt. Let say you want a style box such as. 23 25 23 06 06 06 02 02 02 I will calculate the ratio's for you. I set up a Matlab code to do just that and use it in my 401k CFR
by CFR
Mon Jun 05, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: VCLT Long Term Corp v. VTEB Municipal
Replies: 9
Views: 1031

VCLT Long Term Corp v. VTEB Municipal

With the current stock run-up, I have moved to purchasing bonds to keep my preferred AA in line. Since I have roughly 1/2 of my total assets in a taxable account, with the balance in 401K / Roth IRA, most of my purchases are limited to the taxable accounts. I had already maxed out my 401k etc. for t...
by CFR
Tue Mar 28, 2017 7:39 pm
Forum: Investing - Theory, News & General
Topic: Bogle Interview CNN - Sat.
Replies: 71
Views: 6282

Re: John Bogle interview: is "deep risk" growing?

Still, as Jefferson said in response to someone railing about the new colonial government in the US, "Democracy is the worst from of government...next to all the others." Did you mean Churchill? ..who also said that the best argument against democracy was a five minute discussion with the average v...
by CFR
Sat Mar 11, 2017 1:42 am
Forum: Investing - Help with Personal Investments
Topic: Is China In An Economic Bubble?
Replies: 26
Views: 1645

Re: Is China In An Economic Bubble?

I've been thinking of investing directly into Chinese Stocks and so have been doing lots of research on the country. Yet after all the research I've done, I am coming to conclusion that China may be in a bubble primarily from Real Estate and commodities. What do you think? They are Communists, ther...
by CFR
Sat Mar 11, 2017 12:08 am
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 21320

Re: Betterment just raised their costs.

Well the deed is almost done. I expect the paperwork to arrive at Vanguard Monday (Post office lost the first batch ). I followed through with an in-kind transfer. Funny thing is as I recently watched the CEO on a thread here on the board, I found I dislike the fellow. It made it easier to continue...
by CFR
Fri Mar 10, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 21320

Re: Betterment just raised their costs.

Yeah, received an email last night. I was at the 0.15% tier. It is now a flat 0.25%. I'm gonna miss them. C. Well the deed is almost done. I expect the paperwork to arrive at Vanguard Monday (Post office lost the first batch ). I followed through with an in-kind transfer. Funny thing is as I recent...
by CFR
Sat Mar 04, 2017 1:43 am
Forum: Personal Finance (Not Investing)
Topic: investing in friends real estate business - pros and cons
Replies: 28
Views: 2609

Re: investing in friends real estate business - pros and cons

Hi, I am thinking of investing money (about 50K) in to Friend's rental business. He does buy dis-stressed properties for flipping purpose or rent it after flipping it. As a context, friend is super trust-worthy and no question in mind that he would do any deceptive business with us. We are going to...
by CFR
Tue Feb 28, 2017 1:45 pm
Forum: Investing - Theory, News & General
Topic: new study on Investor behavior being disconnected from financial theory and reality
Replies: 89
Views: 7089

Re: new study on Investor behavior being disconnected from financial theory and reality

Or wanted more stock options. I see it that way myself. Working for a fortune 500 company, there is no limit to the amount of RSU's and options upper management will take or be given. In fact lately, the shift has been reduce the troops RSU's and give to upper management. I view this as a way to fo...
by CFR
Tue Feb 28, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: new study on Investor behavior being disconnected from financial theory and reality
Replies: 89
Views: 7089

Re: new study on Investor behavior being disconnected from financial theory and reality

A business owner will take a draw from his business so that he and his family have something to live on. Is it so irrational that someone who owns stock would desire a return of a part of the profit in the form of cash? I think not. As an owner, I would rather take cash than see my managers make a ...
by CFR
Tue Feb 28, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: new study on Investor behavior being disconnected from financial theory and reality
Replies: 89
Views: 7089

Re: new study on Investor behavior being disconnected from financial theory and reality

A business owner will take a draw from his business so that he and his family have something to live on. Is it so irrational that someone who owns stock would desire a return of a part of the profit in the form of cash? I think not. As an owner, I would rather take cash than see my managers make a ...
by CFR
Sat Feb 25, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401k AA - no Total Market Fund option
Replies: 15
Views: 1157

Re: 401k AA - no Total Market Fund option

Huh? Are we really discussing the difference between "about 80:20" and 82.6:17.4? Does anyone really believe there is a meaningful difference between those two? Yes, why not? In a group that tries to shave 10 basis points off of ER, some may want that ratio as good as possible. Why not? B...
by CFR
Sat Feb 25, 2017 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: 401k AA - no Total Market Fund option
Replies: 15
Views: 1157

Re: 401k AA - no Total Market Fund option

retiredjg wrote:Huh? Are we really discussing the difference between "about 80:20" and 82.6:17.4? Does anyone really believe there is a meaningful difference between those two?

Yes, why not? In a group that tries to shave 10 basis points off of ER, some may want that ratio as good as possible. :shock:
by CFR
Sat Feb 25, 2017 3:08 pm
Forum: Personal Consumer Issues
Topic: Backpackers- weight vs utility question
Replies: 42
Views: 3305

Re: Backpackers- weight vs utility question

I am working on my backpacking gear checklist trying to optimize weight, comfort and security. What items do you carry that are seldom on the ultralight hikers lists? I took a 19 oz folding chair on a four night hike in Wyoming that was well worth the weight, and price! In the past I have been fine...
by CFR
Sat Feb 25, 2017 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Delivering a Large Check
Replies: 37
Views: 3849

Re: Delivering a Large Check

I need to "mail" a few large checks ($100,000 +) in the next week or so to a couple estate beneficiaries. I know I can wire the money, but paying $30 seems a little much. Perhaps I can just use a regular check and have USPS track it? Maybe use a cashiers or certified check? Any suggestion...
by CFR
Sat Feb 25, 2017 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Allocation Help
Replies: 11
Views: 719

Re: 401K Allocation Help

Thanks CFR, that is interesting. Link to instant xray if srwitmer is interested. m Paul Your welcome. Interestingly enough, I have had a few comments that my approximate mixes were inaccurate or too hard to figure out. https://www.bogleheads.org/forum/viewtopic.php?p=3255294#p3255294 Granted, the m...
by CFR
Sat Feb 25, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Allocation Help
Replies: 11
Views: 719

Re: 401K Allocation Advice

I don't know if it's intentional, but you are overweight in small and somewhat underweight in mid. Approximating total stock market m Paul A VTI approximation can be: VINIX 83.2% VMCIX 0.8% VSMAX 16%. The Morningstar Instant Xray showed me: Regards, C. http://i68.tinypic.com/6zney1.jpg
by CFR
Sat Feb 25, 2017 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401k AA - no Total Market Fund option
Replies: 15
Views: 1157

Re: 401k AA - no Total Market Fund option

Also, to the original poster, here is the comparison of what I suggest versus the 80/20 split others have suggested. Obviously you can make your own determination. Compare with VTI. I contend my is superior and math is solid. Your mileage may vary. . C. My split http://i67.tinypic.com/357luki.jpg 80...
by CFR
Sat Feb 25, 2017 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: 401k AA - no Total Market Fund option
Replies: 15
Views: 1157

Re: 401k AA - no Total Market Fund option

Using a system of equations y= H x and solving for X while minimizing the error.... VINIX has a style box of: 28 31 28 05 05 03 00 00 00 VEXMX has style box of: 00 01 03 12 13 21 16 18 17 Using matrix math and least mean squares fit I came up with: VINIX 82.8% VEXMX 17.2% Morningstar shows that com...
by CFR
Fri Feb 24, 2017 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: 401k AA - no Total Market Fund option
Replies: 15
Views: 1157

Re: 401k AA - no Total Market Fund option

Hi all, currently my wife's (32yo) 401k - managed by Voya - is sitting in a T Rowe Price Retirement target date fund -- ER .76%. Having realized that the ER is higher then we'd prefer, I'm trying to construct lower-cost investment portfolio - targeting 80/20 using a 3 fund portfolio. The vast major...
by CFR
Tue Feb 14, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: get rid of landline but keep access to 911
Replies: 38
Views: 4213

Re: get rid of landline but keep access to 911

I continue to maintain a land line for a couple reasons. 1. Federal law dictates that they must have battery backup for x number of hours. Cellphone towers have no such mandate I believe. No one has "battery backup" at the carrier side, it's called diesel generators and yes cell towers al...
by CFR
Sun Feb 05, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: get rid of landline but keep access to 911
Replies: 38
Views: 4213

Re: get rid of landline but keep access to 911

I continue to maintain a land line for a couple reasons. 1. Federal law dictates that they must have battery backup for x number of hours. Cellphone towers have no such mandate I believe. 2. Cable modem phones also have no battery backup mandates. 3. Landlines are still more reliable for 911 than ei...
by CFR
Wed Feb 01, 2017 11:17 am
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 21320

Re: Betterment just raised their costs.

I could pay 0.3% at Vanguard but be able to talk to a human if desired. Isn't the point of Robo-Advisors to take humans and human emotion out of the process. Since you chose a Robo-Advisor if you did go to Vanguard you would be paying 0.30% for something you decided was inferior when you selected B...
by CFR
Wed Feb 01, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 21320

Re: Betterment just raised their costs.

But my biggest issue is really of principle. I've spent loads of time researching robo advisors and chose Betterment because their fees were lower then the rest (ok, there are free ones, but I don't want to go there). Now, they've pulled the ladder from under me. Suddenly, they're more expensive th...
by CFR
Wed Feb 01, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 21320

Re: Betterment just raised their costs.

But my biggest issue is really of principle. I've spent loads of time researching robo advisors and chose Betterment because their fees were lower then the rest (ok, there are free ones, but I don't want to go there). Now, they've pulled the ladder from under me. Suddenly, they're more expensive th...
by CFR
Tue Jan 31, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 21320

Re: Betterment just raised their costs.

Ouch. Glad I stayed away. That's a harsh bait and switch. They should enable a simple in-kind transfer option with the ETFs, so users with taxable accounts can bail without incurring capital gains. Yeah, it is. I am right now looking at moving to either Fidelity or Vanguard. Looking like Vanguard s...
by CFR
Tue Jan 31, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 21320

Re: Betterment just raised their costs.

They also now have Plus , Premium , and Advisor Network levels, all of which give you some contact with a Certified Financial Planner (CFP). Maybe they are thinking that people like the human touch more than they originally thought. Yes, at 0.40%, 0.50% and who knows what, respectively, thank you v...
by CFR
Tue Jan 31, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 21320

Re: Betterment just raised their costs.

Good timing though. I just had some RSU's come today. Guess where they are not going?
by CFR
Tue Jan 31, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 21320

Re: Betterment just raised their costs.

Well their Chat feature seems to be overwhelmed. I wonder why. My other thought is, move a large portion to Vanguard, and copy the portfolio as best I can. They just removed any incentive to keep a large balance. My issue is just whily nilly they up the cost. I am not pleased, and quite disappointed...
by CFR
Tue Jan 31, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Betterment just raised their costs.
Replies: 191
Views: 21320

Betterment just raised their costs.

Yeah, received an email last night. I was at the 0.15% tier. It is now a flat 0.25%. I'm gonna miss them.

C.
by CFR
Mon Jan 30, 2017 11:18 pm
Forum: Investing - Help with Personal Investments
Topic: Cleaning up years of neglect.
Replies: 7
Views: 1887

Re: Cleaning up years of neglect.

As far as I can tell, AF funds are so fundamentally different than the index funds that Betterment puts me in, I don't think Mr. Tax Guy would be able to claim any wash sales. But that is just my opinion. I would be curious what others say. I have thought though I might turn off TLH during a transi...
by CFR
Mon Jan 30, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Cleaning up years of neglect.
Replies: 7
Views: 1887

Re: Cleaning up years of neglect.

For example, looking at the current situation, numbers may be somthing like this: Fund A Short Term $30 Long Term -$3000 Fund B Short Term: $4000 Long Term $360 And yet another Fund C: Short Term $30 Long Term -$1800 Do I understand correctly, that I could add up all the Long Term gains to come to ...
by CFR
Mon Jan 30, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: The whole Roth vs. Traditional IRA
Replies: 56
Views: 9247

Re:

The Case Against Roth 401(k) m This qualifies as required reading for anyone contemplating a Roth conversion, Roth 401k, Roth vs. Traditional IRA, or anyone conflating marginal tax rates and effective tax rates. Justin Wow, I just 1 week ago had that exact conversation with a fellow young engineer ...
by CFR
Mon Jan 30, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Cleaning up years of neglect.
Replies: 7
Views: 1887

Re: Cleaning up years of neglect.

Thank you for your response. Low 7 figures, no debt, paid off house. Yeah you really are a Boglehead to call that neglect. I know in retrospect it sounds a bit preposterous, but if I had invested properly, it would have been somewhere in the middle third seven figures. I truly achieved very little c...
by CFR
Mon Jan 30, 2017 2:53 am
Forum: Investing - Help with Personal Investments
Topic: Cleaning up years of neglect.
Replies: 7
Views: 1887

Cleaning up years of neglect.

Hello All: First of all, I am grateful that this site exists. I have, for many years, ignored my retirement portfolio allowing it to mainly sit. I had no plan, nor did I understand what was within the underlying investments. However about three years ago, I woke up in a sense. Not until I found this...