Search found 2049 matches

by Dulocracy
Wed Sep 21, 2016 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: What type of options does Employee Fiduciary offer?
Replies: 7
Views: 520

Re: What type of options does Employee Fiduciary offer?

Do they actually offer a 403b? Seems like all we hear about are 401k plans. Actually, while perusing their website, I found this: We can service the following types of retirement plans: 401k / Profit Sharing Plans Money Purchase / Target Benefit Plans Tax-Exempt 457(b) Plans ERISA 403(b) Plans ESOP...
by Dulocracy
Wed Sep 21, 2016 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investment vs smaller sums over time
Replies: 13
Views: 535

Re: Lump sum investment vs smaller sums over time

Agreed. Putting it in over time is missing time that the money could be working for you.
by Dulocracy
Wed Sep 21, 2016 5:05 pm
Forum: Personal Consumer Issues
Topic: Idea for an App ?
Replies: 7
Views: 750

Re: Idea for an App ?

Somewhat different, but: I have a client (a non-profit promoting education and legal rights of those involved in polyamory) who complained of no dating sites wherein one can register as a couple to find individuals or couples. While I have never been to one of their meetings, they do send a lot of b...
by Dulocracy
Wed Sep 21, 2016 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: What type of options does Employee Fiduciary offer?
Replies: 7
Views: 520

Re: What type of options does Employee Fiduciary offer?

retiredjg wrote:Do they actually offer a 403b? Seems like all we hear about are 401k plans.


If they do, they do not advertise it. It would be easy to ask them, though.
by Dulocracy
Wed Sep 21, 2016 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: What type of options does Employee Fiduciary offer?
Replies: 7
Views: 520

Re: What type of options does Employee Fiduciary offer?

Most 401k providers can get the admiral class for a 401k. I understand they are pretty low pressure, so I would submit your information to see what they might be able to offer to you.
by Dulocracy
Wed Sep 21, 2016 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: Kickfurther.com?
Replies: 1
Views: 630

Re: Kickfurther.com?

I have no experience with it, but I like that it is to fund inventory rather than just a general loan. Knowing that there is a reasonable expectation of being paid back makes this site seem more enticing than some of the others out there.
by Dulocracy
Wed Sep 21, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: I have $3,000 to gamble
Replies: 71
Views: 7540

Re: I have $3,000 to gamble

Every time I get the urge to gamble with 1-5% of my assets, i think that this will make no difference in the short or long run, add complexity, and likely make me lose lose money. I did a stock market simulation app betting on oil, commodities, and Greece with 100k and lost a ton while the us marke...
by Dulocracy
Wed Sep 21, 2016 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 125
Views: 18063

Re: What to do with VGPMX (Vanguard Precious Metals and Mini

Prokofiev wrote:
I am presently looking to add a North Korean Small Cap Value fund to the mix for added diversification. I heard that all N Korean stocks are small cap with very little growth.


I understand that these may be simply glowing soon!
by Dulocracy
Tue Sep 20, 2016 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: What Percentage To Put In International Stock?
Replies: 56
Views: 4196

Re: What Percentage To Put In International Stock?

I read two studies. One was by Vanguard. The other was by someone or some group I respected. Vanguard recommended 30-40%. The other study recommended 40-50%. Vanguard's study was taking into account historical data. The other study was using fancy math that included anticipated future returns by som...
by Dulocracy
Tue Sep 20, 2016 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Prepay Mortgage: Does the length of time you live in the home matter?
Replies: 29
Views: 2579

Re: Prepay Mortgage: Does the length of time you live in the home matter?

If someone can afford to prepay $2500 on that amount, then they should really have a 15 year mortgage (as they'd easily qualify for it, assuming they are not eating ramen and that $2500 is the other half of their income), which would have a much lower interest, which brings down the interest saved ...
by Dulocracy
Tue Sep 20, 2016 6:32 pm
Forum: Investing - Help with Personal Investments
Topic: Can someone check my understanding of EE bonds?
Replies: 10
Views: 1138

Re: Can someone check my understanding of EE bonds?

at what general age, circumstance, portfolio size should one start funding these tax-advantaged opportunities versus the standard 3-fund portfolio. As the doubling of value occurs at 20 years, my understanding is that one using this strategy would buy at 20 years until retirement. Then subsequently...
by Dulocracy
Tue Sep 20, 2016 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Prepay Mortgage: Does the length of time you live in the home matter?
Replies: 29
Views: 2579

Re: Prepay Mortgage: Does the length of time you live in the home matter?

As has been stated, the amortization does not matter. For every dollar you put in, you are getting 3.25% interest on that dollar. What DOES matter is duration combined with intent. Intent: If you plan on putting the money into the next house, keep reading. If you plan on leaving it in a portfolio, w...
by Dulocracy
Tue Sep 20, 2016 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: I have $3,000 to gamble
Replies: 71
Views: 7540

Re: I have $3,000 to gamble

FM - This fund is a frontier market fund, and quite risky. I am of the opinion that Frontier markets may be in the future what emerging markets were in the past. You get some exciting companies with FM (purchased without fee at Fidelity), such as a Nigerian beer company. I hold a very small positio...
by Dulocracy
Tue Sep 20, 2016 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone accidentally tell a friend about your inheritance?
Replies: 83
Views: 8804

Re: Anyone accidentally tell a friend about your inheritance?

I'm just worried something might slip to another person again when i am intoxicated by accident. I am surprised that more have not jumped on this statement. So, what you are saying is that sober you is smart, and drunk you is a little bit of an [unpleasant person- moderator prudent] . It is ok, I a...
by Dulocracy
Fri Sep 16, 2016 9:24 am
Forum: Investing - Help with Personal Investments
Topic: I have $3,000 to gamble
Replies: 71
Views: 7540

Re: I have $3,000 to gamble

FM - This fund is a frontier market fund, and quite risky. I am of the opinion that Frontier markets may be in the future what emerging markets were in the past. You get some exciting companies with FM (purchased without fee at Fidelity), such as a Nigerian beer company. I hold a very small position...
by Dulocracy
Thu Sep 15, 2016 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: My bond portfolio - Comments
Replies: 21
Views: 2201

Re: My bond portfolio - Comments

Please note that corporate bonds are quite risky, and when risk shows up in the stock markets, corporate bonds often correlate. You may have a riskier bond profile than you think.
by Dulocracy
Thu Sep 15, 2016 11:50 pm
Forum: Local Chapters and Bogleheads Community
Topic: I think I found Rick Ferri
Replies: 53
Views: 9656

Re: I think I found Rick Ferri

Good for him! I wish him all the best. He was a huge influence on my asset allocation and becoming a boglehead.
by Dulocracy
Wed Sep 14, 2016 1:29 pm
Forum: Investing - Theory, News & General
Topic: Presidential Election Insurance, Use T-Bills?
Replies: 65
Views: 3646

Re: Presidential Election Insurance, Use T-Bills?

I am considering moving a portion of our short term corporate bond funds into 13 week T-bills so as to have dollars readily available if a market crisis occurs. The cost is only the difference in return between the two for 90 days - not much. If you're worried about the government, shouldn't govern...
by Dulocracy
Wed Sep 14, 2016 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH 401K vs. T 401K (not your typical question, though)
Replies: 13
Views: 1172

Re: ROTH 401K vs. T 401K (not your typical question, though)

The rest of the people we employ are independent contractors. Be careful. How sure are you? Have you had an attorney review it? I am in a different state (one with VERY employer friendly laws), and here, despite being employer friendly, they are particular about how you categorize employees. For ex...
by Dulocracy
Wed Sep 14, 2016 12:31 pm
Forum: Local Chapters and Bogleheads Community
Topic: Forum tops 3,000,000 post mark
Replies: 30
Views: 1726

Re: Forum tops 3,000,000 post mark

Yes there is. We know that we get up to 4,000,000 (yes, that's four million) hits per day. Considering that I have made around 2,000 posts, but I read most threads without even logging on, I can believe it. I also have two friends that I led to the site that read it but do not have accounts, as the...
by Dulocracy
Wed Sep 14, 2016 12:23 pm
Forum: Investing - Theory, News & General
Topic: Presidential Election Insurance, Use T-Bills?
Replies: 65
Views: 3646

Re: Presidential Election Insurance, Use T-Bills?

I am considering moving a portion of our short term corporate bond funds into 13 week T-bills so as to have dollars readily available if a market crisis occurs. The cost is only the difference in return between the two for 90 days - not much. If you're worried about the government, shouldn't govern...
by Dulocracy
Wed Sep 14, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 11305

Re: Which city to start early retirement?

It also gives time for the election cycle to play out and for me to do even more number crunching, which I'm sure my wife cant wait to hear about. :twisted: Of course wives want to hear our opinions and our numbers on everything. Why else would they marry us? I talk to my wife about investing sever...
by Dulocracy
Wed Sep 14, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: I am going to stop tilting. Sanity check.
Replies: 66
Views: 5963

Re: I am going to stop tilting. Sanity check.

I tilt. It is probably better for me if you stop tilting (the fewer the number of people chasing a factor, the more likely the factor's benefits will be present/larger... or so I am told). Nonetheless, I say to stick with it, but put yourself on a set path of WHEN to stop. What do I mean? As has bee...
by Dulocracy
Tue Sep 13, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 11305

Re: Which city to start early retirement?

Thank you for the recommendation, I hadn't heard of Newnan before today. In looking at one of the sites we use for our "formula" Newnan gets an F in crime (http://www.areavibes.com/newnan-ga/crime/) but it's starting to make me wonder if there's an inaccuracy in their data or if it's some...
by Dulocracy
Tue Sep 13, 2016 2:31 pm
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 3527

Re: Best Flashlight to keep in home for emergency

We use a Maglite if a bright light is needed. http://www.mscdirect.com/browse/tnpla/76590884?src=pla&cid=PLA-Google-PLA+-+Test&CS_003=7867724&CS_010=76590884&mkwid=txg6YEZy For emergencies where batteries may run out, we have several hand-crank flashlights with LED lights that are no...
by Dulocracy
Tue Sep 13, 2016 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is anyone else feeling courageous enough to buy today?
Replies: 90
Views: 6402

Re: Is anyone else feeling courageous enough to buy today?

It is like jumping into a spring-fed pool of very cold water on a summer day. It can be intimidating, but the best way is to just jump in. You are having fun in no time. In this case, having fun means making profit. Even if stocks collapse, they will come back up. If you do not start buying, you wil...
by Dulocracy
Tue Sep 13, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Is A Two-Fund Portfolio All You Really Need?
Replies: 44
Views: 5156

Re: Is A Two-Fund Portfolio All You Really Need?

Yes. I slice and dice. My international is divided into five portions in my 401k (developed, developed small, emerging, emerging value, emerging small). I tilt small and value. I ran numbers again and again to come up with my desired asset allocation. Nonetheless, I think I would have been fine with...
by Dulocracy
Tue Sep 13, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 11305

Re: Which city to start early retirement?

As a matter of curiosity, how did those three turn out to be your choices? jimb Good question. My DW and I have pretty different requirements (as I think others have noticed with the choices of cities). She is mostly looking for a cheap, safe place to live that has a zoo/aquarium. Boise and Columbu...
by Dulocracy
Tue Sep 13, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: What shape is your net worth curve?
Replies: 44
Views: 5026

Re: What shape is your net worth curve?

We had a much lower rate of increase for many years until our three kids were out of undergrad. No regrets, not even at the near flatlining when I was SAHparent. :-) (And just imagine what will happen to your savings rate when she (and any future siblings) go off the payroll!) The issue at hand is ...
by Dulocracy
Tue Sep 13, 2016 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Should I pay off my mortgage?
Replies: 35
Views: 2842

Re: Should I pay off my mortgage?

Meg77's breakdown is a good one on the house. I like her 7 year time limit. IF you are staying in the home for 7+ years, refinance. IF you are not staying there for that length of time, pay it down (or off) with your cash investments, so long as you still have an emergency fund left over. I would NO...
by Dulocracy
Tue Sep 13, 2016 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: is it possible to be a gambler and boglehead
Replies: 47
Views: 2082

Re: is it possible to be a gambler and boglehead

OP, based on the amended post, I would say you have no problem being a boglehead. 1) Carve out 15-25% of your income for retirement, based on your needs. 2) Set an asset allocation (AA) that is right for you. 3) Invest through low cost mutual funds. 4) Blow the rest on a fast car lifestyle. If you a...
by Dulocracy
Tue Sep 13, 2016 1:09 pm
Forum: Personal Finance (Not Investing)
Topic: What shape is your net worth curve?
Replies: 44
Views: 5026

Re: What shape is your net worth curve?

Sadly, ours is looking like a gradual hill leveling off. A slew of medical expenses and a baby have altered our course. Of course, I would not trade the baby for any curve modification. We both very much wanted to be parents, and we delight in having this child. We get more joy from her than any hob...
by Dulocracy
Tue Sep 13, 2016 10:40 am
Forum: Investing - Theory, News & General
Topic: Why wouldn't I leverage X5 on a 10/90 portfolio like this?
Replies: 23
Views: 2217

Re: Why wouldn't I leverage X5 on a 10/90 portfolio like this?

Do not forget that you cannot deduct the interest of the loan, but you will pay taxes for your returns that are in taxable accounts. (Among the many other risks involved). In the US this isn't really true. There are limits to how you can write off margin interest (i.e. it has to be against investme...
by Dulocracy
Tue Sep 13, 2016 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Do VG average annual fund returns include dividends?
Replies: 10
Views: 744

Re: Do VG average annual fund returns include dividends?

The fact is every report of returns is nominal and includes dividends. Why would anyone think that wouldn't be included? Because the fund wants to understate its performance? Because a dividend doesn't count? If you re-read the OP's question, the confusion comes from online calculators that allow y...
by Dulocracy
Tue Sep 13, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Freelance "Contract Duration" Clause: Is Duration Enforceable? [USA]
Replies: 6
Views: 553

Re: Freelance "Contract Duration" Clause: Is Duration Enforceable? [USA]

You are asking for very specific legal advice, which requires specific legal language. Please consult with an attorney licensed in your state rather than an online forum about investing. Best of luck! :sharebeer
by Dulocracy
Fri Sep 09, 2016 4:38 pm
Forum: Investing - Theory, News & General
Topic: Why wouldn't I leverage X5 on a 10/90 portfolio like this?
Replies: 23
Views: 2217

Re: Why wouldn't I leverage X5 on a 10/90 portfolio like this?

Do not forget that you cannot deduct the interest of the loan, but you will pay taxes for your returns that are in taxable accounts. (Among the many other risks involved).
by Dulocracy
Fri Sep 09, 2016 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Do VG average annual fund returns include dividends?
Replies: 10
Views: 744

Re: Do VG average annual fund returns include dividends?

The fact is every report of returns is nominal and includes dividends. Why would anyone think that wouldn't be included? Because the fund wants to understate its performance? Because a dividend doesn't count? If you re-read the OP's question, the confusion comes from online calculators that allow y...
by Dulocracy
Fri Sep 09, 2016 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Do VG average annual fund returns include dividends?
Replies: 10
Views: 744

Re: Do VG average annual fund returns include dividends?

Vanguard includes it. The reason that some online calculators give you that option is in the event that you take and spend the dividends as income and therefore are not re-investing it in the fund. In that case, you would not want to include dividends as a part of your ongoing portfolio because, wel...
by Dulocracy
Fri Sep 09, 2016 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How do taxes work for rental income
Replies: 26
Views: 2307

Re: How do taxes work for rental income

Is there not also a tax disadvantage to using a management company? I seem to remember that doing so limits your ability to depreciate?
by Dulocracy
Fri Sep 09, 2016 2:45 pm
Forum: Investing - Theory, News & General
Topic: 2 Questions related to a Positive Value Premium in a Deflationary Market (Japan)
Replies: 6
Views: 461

Re: 2 Questions for Larry, Rick, and/or Bill

I recently researched this but my name isn't Larry, Rick, or Bill so I'll hold my comments. DaftInvestor, would you mind sharing for those of us interested in your response, no matter what your name is? (Unless you go by Mortimer. I really do not like the idea of getting advice of someone called Mo...
by Dulocracy
Thu Sep 08, 2016 3:02 pm
Forum: Investing - Theory, News & General
Topic: 60 Year SWR Model
Replies: 15
Views: 1904

Re: 60 Year SWR Model

Is this a real problem or just a math exercise? I believe that OP genuinely tried to solve a real problem, but in reality, this is a math exercise. OP, 4.75% average returns with a 3% withdrawal rate is NOT safe. There are several matters you did not take into account. Let us take an average of 5% ...
by Dulocracy
Thu Sep 08, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: Confederate Money (where to sell)
Replies: 29
Views: 2163

Re: Confederate Money (where to sell)

These would need to be rare. Living in the south, I see confederate money for sale for pennies constantly at yard sales and flea markets. When I get the money (it has not been delivered to me yet), it may very well be that I find out it is worth precisely pennies. At least that will be pennies more...
by Dulocracy
Thu Sep 08, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: Confederate Money (where to sell)
Replies: 29
Views: 2163

Re: Confederate Money (where to sell)

The question is can you tell if you happen to have some rare specimen or are you dependent on 2+ people on eBay realizing that you have something valuable? For nonexperts trying to figure out condition is hard. Most people have a big bias towards thinking something is nicer than it really is. That ...
by Dulocracy
Thu Sep 08, 2016 2:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Metro Atlanta Bogleheads Local Chapter
Replies: 50
Views: 5176

Re: Metro Atlanta Bogleheads Local Chapter

I cannot make this one (I put it on the calendar for the 24th and did not come back here until today), but I am definitely interested in the next one.
by Dulocracy
Thu Sep 08, 2016 1:59 pm
Forum: Personal Consumer Issues
Topic: Confederate Money (where to sell)
Replies: 29
Views: 2163

Re: Confederate Money (where to sell)

why are you discounting ebay as an option? Based on recommendations here, I am no longer discounting it. I always thought of EBay as more of a place to sell used dvds than historical items based on a bookseller friend's comments about getting a lot of inventory from EBay because historical stuff is...
by Dulocracy
Thu Sep 08, 2016 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Is it typical to wait ~24 months for a meaningful/significant raise at work?
Replies: 45
Views: 3758

Re: Is it typical to wait ~24 months for a meaningful/significant raise at work?

It depends on the position. With a litigation attorney, we train our attorneys. This is a process that takes a year for them to be functional and two years for them to be what we really want. For that reason, we do not give significant raises until the second year. (Also, for what we do, an attorney...
by Dulocracy
Wed Sep 07, 2016 3:55 pm
Forum: Personal Consumer Issues
Topic: Confederate Money (where to sell)
Replies: 29
Views: 2163

Confederate Money (where to sell)

I recently discovered that I inherited some Confederate money when I was 12, which has been held in a bank box for me. Why I am just finding out at 38, I have no idea. In any event, as Confederate money does not spend well, and as I have no attachment to this money, I was wondering where one would s...
by Dulocracy
Wed Sep 07, 2016 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: Boglehead oriented CPA in Atlanta?
Replies: 8
Views: 1052

Re: Boglehead oriented CPA in Atlanta?

Sent. Sorry it took a week, I check this site more sporadically right now.
by Dulocracy
Wed Sep 07, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: Favorite Asian Vacation?
Replies: 37
Views: 3606

Re: Favorite Asian Vacation?

We also love Japan. I go there a lot for work (flying to Tokyo on Monday). As you say, Akihabara is an experience. If you like Akihabara and end up back in Tokyo, check out Nakano Broadway. I think it's where the "real" otaku culture is centered in Tokyo, plus it's home to the best ramen ...
by Dulocracy
Wed Sep 07, 2016 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Is the landlord legaly required to repaint the rental unit while the tenant living there?
Replies: 12
Views: 1976

Re: Is the landlord legaly required to repaint the rental unit while the tenant living there?

We advise landlords NOT to paint while a tenant is in the house for liability reasons. It is rare for a landlord to do so. ("Hey, the painter ruined my TV, now I need a new one..." That sort of concern.)

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