Search found 1062 matches

by Da5id
Thu Apr 27, 2017 9:02 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 176
Views: 12344

Re: What is your overall portfolio weighted expense ratio

My weighted expense ratio is 0.058%. Expense ratios range from Fidelity institutional S&P 500 (0.035%) to Vanguard Prime Money Market (0.16%, almost no money so little impact). Somewhat improved from last year as 401k changed from Principal to Fidelity. I count emergency fund in Capital One Mone...
by Da5id
Tue Apr 25, 2017 10:34 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 174
Views: 6613

Re: Will cars be autonomous in three years?

Honestly, I'd be really happy if they initially implemented fully autonomous cars on divided highways or on interstates. Seems like a vastly simpler problem, and makes long haul driving much more enjoyable.
by Da5id
Mon Apr 24, 2017 12:07 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 174
Views: 6613

Re: Will cars be autonomous in three years?

Answer seems to be clearly no. More interesting question is when, say, 50% of new cars sold in US will be autonomous. I'd guess 10 years, but that is only a wild ignorant guess. I'd guess some sort of limitation of liability legislation will be needed to really let it take off. If Google is providin...
by Da5id
Mon Apr 24, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Comcast negotiations
Replies: 58
Views: 5953

Re: Comcast negotiations

Years ago I got a discount from Charter Communications for my Internet bill since I agreed to a 12 month contract. Unfortunately, they haven't offered any stand-alone deals for Internet service since then. :( All the discounts being offered now are for bundle deals. The key is being in a market wit...
by Da5id
Mon Apr 24, 2017 8:26 am
Forum: Investing - Theory, News & General
Topic: Is $20K I-Bonds considered cash or bond?
Replies: 62
Views: 4019

Re: Is $20K I-Bonds considered cash or bond?

Ultimately I think I-Bonds function more like cash when its rates are low and more like bonds when its rates are high. Those who own I-Bonds that have a high fixed rate probably don't think of their I-Bonds as a cash-equivalent. However, when I-Bonds have a fixed rate of 0% or 0.1%, it's much easie...
by Da5id
Fri Apr 21, 2017 10:26 am
Forum: Investing - Theory, News & General
Topic: The Skinny on Dividends
Replies: 11
Views: 2333

Re: The Skinny on Dividends

Reinvesting is totally the way to go for your Target Retirement fund. There are reasons to not reinvest. But often they are things like: 1) you have the same funds in taxable and tax deferred, and want to be able to harvest losses (for the tax benefits) without worrying about wash sale rules 2) you ...
by Da5id
Fri Apr 21, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Closing unused credit cards
Replies: 6
Views: 617

Re: Closing unused credit cards

I was looking at my credit report today (through credit karma) and noticed that I have several credit cards open that I haven't used in almost a decade. Should I close these? I know things like length of credit open help your credit score and having open but not used credit reduces my overall utili...
by Da5id
Fri Apr 21, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: How to reduce my income tax
Replies: 31
Views: 3048

Re: How to reduce my income tax

The first $2100 of a child's investment income is taxed at the child's rate. The first $1050 is not taxed and the next $1050 likely at 10%. Is this a suggestion to gift the kids money to avoid paying taxes on the investment earnings and make use of the lower tax rates on first ~2K? You can of cours...
by Da5id
Thu Apr 20, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Did I make a good decision to retire July 2017 instead of July 2018?
Replies: 56
Views: 4828

Re: Did I make a good decision to retire July 2017 instead of July 2018?

If I retire July 2018 instead, my monthly pension would be $5150 per month rather than $4700 per month. The $500 monthly for 10 years will remain the same. I actually like my job. I am wondering if I made a wise decision to retire this year as I will be losing out an extra $450 per month should I r...
by Da5id
Wed Apr 19, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: I bonds May 2017
Replies: 30
Views: 3049

Re: I bonds May 2017

Also - this is the inflation-protected part of my bond space (in addition to serving as a 2nd-tier emergency fund which EE bonds do not) - if inflation picks up - ibonds will outperform ee bonds even if held for a full 20 years. I just bought mine for the year as well, and got an extra almost $5K f...
by Da5id
Wed Apr 19, 2017 10:33 am
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4667

Re: If a doctor takes your insurance, must they accept the negotiated rate?

Yes and the issue is now this: I would have to send my wife to find now a 3rd doctor all over what amounts to $50 a month. A lot better than when we were paying $200 a session for her previous doctor. She called about 7 local doctors in network and this was the first one who said she was accepting ...
by Da5id
Wed Apr 19, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4667

Re: If a doctor takes your insurance, must they accept the negotiated rate?

Just an additional follow up...I spoke to a United and they confirmed that the doctor in network and is not allowed to charge more than the contracted rate and if she has an issue with the rate she should reach out to United. So now I'm stuck between a rock and a hard place... Feels to me like your...
by Da5id
Wed Apr 19, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: Selling Mutual Fund shares - watch ETF prices at 3:45pm?
Replies: 19
Views: 1956

Re: Selling Mutual Fund shares - watch ETF prices at 3:45pm?

A mutual fund's price is determined after market closes. Say that an investor wants to sell some shares of a fund and maximize the gain. Does it usually work to watch the price of an ETF related to that mutual fund around 3:45pm Eastern to decide if that's a good day to sell? If the market had been...
by Da5id
Wed Apr 19, 2017 8:30 am
Forum: Investing - Help with Personal Investments
Topic: Why invest in International Index Fund?
Replies: 38
Views: 3205

Re: Why invest in International Index Fund?

OP- It's good, I suppose, that you have adjusted your AA to something you can stick to. It seems you sold the TR2055 and bought the individual components in your 401K. It does seem like an odd moment in time to cut your international exposure in half. I'd agree it is an odd time to drop internation...
by Da5id
Wed Apr 19, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Why invest in International Index Fund?
Replies: 38
Views: 3205

Re: Why invest in International Index Fund?

For those of you saying you do 20 percent international, you mean 20 percent of your equity allocation right? Not your total portfolio? I'm a new bogglehead and recently picked 30 percent of my equity allocation to be international. Not sure I have any good reason for 30, was just trying to average...
by Da5id
Wed Apr 19, 2017 8:17 am
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4667

Re: If a doctor takes your insurance, must they accept the negotiated rate?

https://ibb.co/dWDtgQ Attached is the EOB with some "notes" written by the doctor on the image. I redacted all of the personal information. It seems she wants us to pay $25 extra than the allowed amount every session... In-network doctor charging more than negotiated amount still sounds t...
by Da5id
Wed Apr 19, 2017 6:59 am
Forum: Personal Consumer Issues
Topic: Best cruise
Replies: 50
Views: 3722

Re: Best cruise

I'd also worry with the multi-year build up and planning your expectations may be too high. Some people love cruises and go again and again. Some go once and wonder why anyone would ever do that.
by Da5id
Wed Apr 19, 2017 6:50 am
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 6561

Re: Is it necessary to diversify across Factors?

Yes, I'd want to know where the "typical 401k" stated as a fact comes from. As one data point, my midsize company 401k includes these the following : NORTHERN SM CAP VAL (NOSGX) I don't do factor investing, but I could with that. That's a great example, that makes my point well. It's an e...
by Da5id
Tue Apr 18, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 9113

Re: Why would anyone want to buy bond funds?

Ultra-low withdrawal rates, sub 3%, mitigates sequence of returns risk. You are asserting that retiring in 2000 with your 100% stock allocation you'd be OK nine years later with your portfolio at 50% of its starting value without any withdrawals at all. And maybe you would. Most people would probab...
by Da5id
Tue Apr 18, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: why bond funds are sharply up today?
Replies: 13
Views: 2151

Re: why bond funds are sharply up today?

Some times it is difficult for me to understand why bonds move up or down. I think it is because of the fearless girl/charging bull controversy :) Day to day variations probably shouldn't be overly interpreted. My favorite news leads are of the format "Dow dropped 80 points today on news of XY...
by Da5id
Tue Apr 18, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: My kids don't care about saving
Replies: 114
Views: 10980

Re: My kids don't care about saving

I wonder if giving them a check to put in their Roth would make a difference. To me, directly contributing to their Roth crosses a subtle line between "giving the child a fish" and "teaching the child to fish". If you give it to them to invest rather than investing it for them, ...
by Da5id
Tue Apr 18, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: Best cruise
Replies: 50
Views: 3722

Re: Best cruise

In my opinion, not too early to think about what kind(s) of cruises are a good fit (season, location, etc.) and whether you want to spend a lot of time at sea (such as Bermuda) or stopping almost every day (such as Caribbean). It is also good (in my opinion) to be prepared (if cost is an issue) to ...
by Da5id
Tue Apr 18, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate versus Short Term Bond Funds
Replies: 16
Views: 1594

Re: Intermediate versus Short Term Bond Funds

I know that this subject has been discussed more than once; however, forgive me for asking again. Here is the question: In an environment of rising rates, why would short term bond funds not be the right answer? I know that some investor do that, but most invest in the Vanguard Total Bond Market In...
by Da5id
Tue Apr 18, 2017 7:38 am
Forum: Investing - Theory, News & General
Topic: Investors backing off their equity AA primarily due to 8-year bull market?
Replies: 56
Views: 4546

Re: Investors backing off their equity AA primarily due to 8-year bull market?

I haven't been following market news. Is there a growing trend of investors backing off their equity AA, stopping auto-investment in equity or even selling equity shares, primarily because of the 8-year bull market? Not because they are needing the money anytime soon. I've backed off, but that was ...
by Da5id
Tue Apr 18, 2017 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 9113

Re: Why would anyone want to buy bond funds?

For the comparison to bonds and cash, yes, but that has nothing to do with the observation that you were underwater for more than 10 years with stocks in real terms. Yes, but it has to do with my point that those that were more aggressive during the long haul can "afford to lose more" in ...
by Da5id
Mon Apr 17, 2017 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: I-bond rate as of May 1st
Replies: 10
Views: 1283

Re: I-bond rate as of May 1st

Correcting my previous post to avoid confusion, I think I see my mistake. BTW, limit is 10K per social security number. But you can apparently do more using trusts, and can also do up to 5K more with a federal tax refund. There is another thread that was discussing this. I decided to buy now, as ex...
by Da5id
Mon Apr 17, 2017 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: I-bond rate as of May 1st
Replies: 10
Views: 1283

Re: I-bond rate as of May 1st

If I'm calculating correctly the rate for the next six months will be 2.02% (1.01% over the period). Trying to decide if I should buy now or wait until May 1st in hopes of an increase in the fixed rate. Any thoughts? I understand the 10K limit is per calendar year, correct? Per this: https://seekin...
by Da5id
Mon Apr 17, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 12028

Re: Do you have an umbrella policy?

So what happens in an unfortunate auto situation where you are at fault and the other car had 4 "high earners." They'd blow right through 10 million? You can't insure against all possible loses. You also are note insured against a large asteroid strike or nuclear war. Question becomes wha...
by Da5id
Mon Apr 17, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: If a doctor takes your insurance, must they accept the negotiated rate?
Replies: 62
Views: 4667

Re: If a doctor takes your insurance, must they accept the negotiated rate?

When my wife goes and sees this therapist again I've already told her she is going to need to refund $130, provide an itemized bill, and explain why she took money when she wasn't authorized to. My understanding is if the doctor chooses to accept insurance they must accept the negotiated rate, whic...
by Da5id
Mon Apr 17, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 9113

Re: Why would anyone want to buy bond funds?

If one retired in 2000 the 70/30 is still better than 100% stocks. How do you reconcile this statement with the above graph showing that 100% stocks portfolio didn't reach the low of the 70/30 portfolio? You can clearly see that red line is lower than the blue at 2003. Portfolio visualizer comparin...
by Da5id
Mon Apr 17, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 6561

Re: Is it necessary to diversify across Factors?

Again, I reiterate, this discussion is mainly academic, with little practical value for most people. A typical 401k just doesn't give you a realistic chance to engage in figment investing. Yes, and I reiterate that this is simply not true in general. And further, many people do have the ability to ...
by Da5id
Mon Apr 17, 2017 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone want to buy bond funds?
Replies: 92
Views: 9113

Re: Why would anyone want to buy bond funds?

100/0 is much greater in the up years (in absolute dollars) and nearly equal in the down years (in absolute dollars) The 100/0 people were better off despite the larger % drop after the 2000 dot com bust than the 70/30 people! The false thinking of the 70/30 (or whatever) to 100/0 is that given the...
by Da5id
Mon Apr 17, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Employer Being "Bought Out" By Another Company
Replies: 11
Views: 1043

Re: Employer Being "Bought Out" By Another Company

This would be a large company being bought by an even larger company. Its all just speculation of course. As for the rest of the details I have no clue. Part of the justification for such a merger is often "efficiencies". Some areas will be redundant. e.g. you may not need everyone in the...
by Da5id
Mon Apr 17, 2017 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 129
Views: 12028

Re: Do you have an umbrella policy?

Yes, have a 2M insurance policy. Got it on advice of my father, and it does provide some peace of mind. Mind you, a good part of my assets are at least partially shielded (home, retirement). Still seems like a good hedge against a terrible result. Don't remember rates, but they did take a bump up wh...
by Da5id
Mon Apr 17, 2017 8:31 am
Forum: Personal Finance (Not Investing)
Topic: Scratched bumper cost to repair
Replies: 17
Views: 1243

Re: Scratched bumper cost to repair

So my wife scratched a bumper on another car in the parking lot. It's not major, but certainly visible. Our car ended up with more visible marks than the other. The car had been recently painted, and is an older but semi-luxury vehicle. She left a note saying we would pay to have it fixed, and afte...
by Da5id
Fri Apr 14, 2017 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: How do you cultivate friends with the same financial means as yourself?
Replies: 4
Views: 760

Re: How do you cultivate friends with the same financial means as yourself?

Another thread got me thinking, since most people don't save properly for retirement, much less 30%-50% or more of their income, BH are going to be the exception not the rule in their social circle. BH will have far greater means to do things and/or the ability to purchase more expensive items. So ...
by Da5id
Fri Apr 14, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5803

Re: Jack says be realistic

So I'd say that is a pretty big difference. The general vibe here is most of us have enough in income or large enough portfolios that we are choosing between luxuries and higher-savings/lower-withdrawals, which is fine for us. But for people who would have to choose between basic needs and higher s...
by Da5id
Fri Apr 14, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: ibond vs cd
Replies: 36
Views: 2909

Re: ibond vs cd

So if you buy an i-bond before end of month, fixed rate will be 0%, composite rate will be 2.76% (annually) until October. If you buy in May, fixed rate will be whatever they set it to and composite rate will be new fixed + 1.96% (annually)? So in the buy now vs May camp, it is whether to forego ha...
by Da5id
Fri Apr 14, 2017 10:47 am
Forum: Investing - Help with Personal Investments
Topic: ibond vs cd
Replies: 36
Views: 2909

Re: ibond vs cd

So if you buy an i-bond before end of month, fixed rate will be 0%, composite rate will be 2.76% (annually) until October. If you buy in May, fixed rate will be whatever they set it to and composite rate will be new fixed + 1.96% (annually)? So in the buy now vs May camp, it is whether to forego ha...
by Da5id
Fri Apr 14, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: ibond vs cd
Replies: 36
Views: 2909

Re: ibond vs cd

I see. Sorry to confuse everyone. On the T-Direct website what is listed is the "semi-annual inflation rate". So just to confirm, the semi-annual inflation rate is going down to 0.98%? Not confusing, just a really good thread! I always appreciate these discussions, as I can get off track ...
by Da5id
Fri Apr 14, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5803

Re: Jack says be realistic

He isn't proposing actions, but rather adjustment of expectations far as I can see. Although realistically, the two are connected. For example, if you really believed in lower equity returns, you might actually increase your equity investments, including the use of leverage if you would otherwise b...
by Da5id
Fri Apr 14, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Timing of I-bonds purchase
Replies: 27
Views: 3278

Re: Timing of I-bonds purchase

Any comments by those who follow i-bonds on today's CPI-U?
by Da5id
Fri Apr 14, 2017 8:10 am
Forum: Investing - Theory, News & General
Topic: Jack says be realistic
Replies: 48
Views: 5803

Re: Jack says be realistic

when spread out over the next 10, P/E has actually done a pretty darn good job at predicting average returns. Not really. I'd say it has done a pretty horrible job. It is so far off I don't understand how anyone could even consider basing actions on it. He isn't proposing actions, but rather adjust...
by Da5id
Fri Apr 14, 2017 7:45 am
Forum: Personal Finance (Not Investing)
Topic: What constitutes "a lot" of money?
Replies: 81
Views: 10996

Re: What constitutes "a lot" of money?

If my portfolio goes up or down $10,000 (1% of $1M) in a day, then that amount of money is basically nothing . It's just background noise (even if I peek every day). But if I had to spend $10 on lunch, well that's a lot . I agree. "A lot" is relative to what it is being purchased. Using t...
by Da5id
Fri Apr 14, 2017 7:30 am
Forum: Investing - Theory, News & General
Topic: Investing question
Replies: 16
Views: 967

Re: Investing question

Hi - I've been reading this blog for a while, and its great, however, no one seems to mention Japan. In my mind this is kinda of where I see the US going. The Nikkei was around 40000 when I was in high school and now its somewhere near 18000 30 years later. Any comments to this fact? To me this is ...
by Da5id
Thu Apr 13, 2017 12:38 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing to control risk doesn't make sense to me
Replies: 160
Views: 9961

Re: Rebalancing to control risk doesn't make sense to me

...At the other extreme, you have the theory that there is a rebalancing bonus, that rebalancing is an important source of investment return, and (always good for an argument) a (false!) belief that rebalancing, in and of itself, can manufacture extra return out of volatility even if the asset clas...
by Da5id
Thu Apr 13, 2017 8:28 am
Forum: Personal Consumer Issues
Topic: Paying Tax Bill with Credit Card
Replies: 9
Views: 733

Re: Paying Tax Bill with Credit Card

Is it really worth the effort and little bit of float in a low interest rate environment to earn a net $1.30? I'd agree, why mess with it? This is a good strategy to meet a minimum spend on a new card if you don't have other ways to do it, but seems a tad excessive for pocket change? Owing has not ...
by Da5id
Thu Apr 13, 2017 6:57 am
Forum: Personal Finance (Not Investing)
Topic: How do I know if I am filing my taxes correctly?
Replies: 39
Views: 2751

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

I think the answer is that you are not filing your taxes correctly. One does the best one can. From way back when I used to get Money Magazine I remember their amusing articles on the subject. They'd give the same data for a simulated moderately complex (but not outrageously so) family to X differen...
by Da5id
Wed Apr 12, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing to control risk doesn't make sense to me
Replies: 160
Views: 9961

Re: Rebalancing to control risk doesn't make sense to me

One thing I notice from these rebalancing debate threads that keep popping up, people come up with all kinds of crazy rationalizations their high stock allocations. Now we have 100% stock is the LOWEST risk approach to investing, LOL. Far as I can tell he is trolling. But who knows, people have odd...
by Da5id
Wed Apr 12, 2017 6:20 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing to control risk doesn't make sense to me
Replies: 160
Views: 9961

Re: Rebalancing to control risk doesn't make sense to me

One thing I notice from these rebalancing debate threads that keep popping up, people come up with all kinds of crazy rationalizations their high stock allocations. Now we have 100% stock is the LOWEST risk approach to investing, LOL. Far as I can tell he is trolling. But who knows, people have odd...

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