Search found 333 matches

by EHEngineer
Wed Jan 11, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: Google Finance : BNDX data issue
Replies: 0
Views: 121

Google Finance : BNDX data issue

While reviewing my new google sheets portfolio I noticed that BNDX stopped updating (it was reporting Monday's close price for all of Tuesday and most of today (Wednesday). It appears to have come back to life, but you can see the issue as the price flatlines with zero volume for a day and a half. I...
by EHEngineer
Mon Jan 09, 2017 7:51 pm
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 3941

Re: Over what time period should stocks NOT lose money

Am I really the first to mention Bernstein's retirement planner from Hell? Part 3 is my favorite and IMO more valuable than statistics. http://www.efficientfrontier.com/ef/901/hell3.htm Also coniser reading "Deep Risk" https://www.amazon.com/Deep-Risk-History-Portfolio-Investing/dp/0988780...
by EHEngineer
Mon Jan 09, 2017 7:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 100
Views: 13094

Re: Sad News About a Respected Forum Member

Thank you ole meph for all the knowledge you've shared, and that I benefitted from. I dont think we ever communicated, but I learned from you and enjoyed reading your posts. I appreciate your straight forward, minimum complexity approach. Such a breath of fresh when learning about the complicated wo...
by EHEngineer
Thu Dec 01, 2016 3:43 pm
Forum: Investing - Theory, News & General
Topic: Glide Paths : Help with Theory
Replies: 31
Views: 2130

Re: Glide Paths : Help with Theory & Analysis

For simplicity, I'd prefer glidepath theory under a fixed set of willingness/need/ability. If I understand that, I can adjust as needed. I haven't read all the papers, but based on fundamentals, I don't think this statement makes sense. Ability, willingness and need (AWN) to take risk are the prima...
by EHEngineer
Thu Dec 01, 2016 3:34 pm
Forum: Investing - Theory, News & General
Topic: Glide Paths : Help with Theory
Replies: 31
Views: 2130

Re: Glide Paths : Help with Theory & Analysis

For simplicity, I'd prefer glidepath theory under a fixed set of willingness/need/ability. If I understand that, I can adjust as needed. I haven't read all the papers, but based on fundamentals, I don't think this statement makes sense. Ability, willingness and need (AWN) to take risk are the prima...
by EHEngineer
Thu Dec 01, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: Buy iPhone 7 or Wait for iPhone 8
Replies: 33
Views: 3235

Re: Buy iPhone 7 or Wait for iPhone 8

Why wait for the 8 when the 7 is free from most wireless providers? That's what I did. They're not free in any sense. You must trade in a device worth about $300. Then they saddle you with $650 in debt, the full base price of the new phone 7. Next they delay the monthly credits to that debt by 90 d...
by EHEngineer
Wed Nov 23, 2016 5:49 pm
Forum: Personal Consumer Issues
Topic: Discussing taxes with my 16 yr old son
Replies: 16
Views: 1083

Re: Discussing taxes with my 16 yr old son

What's interesting is if you don't isolate the fixed expenses all households become equal in the eyes of the tax man and should be charged slightly more than 50%. I realize this model isn't a real representation, but I do believe it goes a long way in conceptually describing the impacts of tax rate...
by EHEngineer
Wed Nov 23, 2016 3:38 pm
Forum: Personal Consumer Issues
Topic: Discussing taxes with my 16 yr old son
Replies: 16
Views: 1083

Re: Discussing taxes with my 16 yr old son

Look up the "Laffer curve." This is an economic model - not political. The salient question becomes: "where are we on the curve today?" Almost any answer to this question goes political. I suggest not discussing.
by EHEngineer
Wed Nov 23, 2016 1:11 pm
Forum: Investing - Theory, News & General
Topic: Glide Paths : Help with Theory
Replies: 31
Views: 2130

Re: Glide Paths : Help with Theory

alec wrote:Link to this?

https://institutional.vanguard.com/VGAp ... eAppproach
page 5 bottom of left hand paragraph.
by EHEngineer
Wed Nov 23, 2016 1:00 pm
Forum: Investing - Theory, News & General
Topic: Glide Paths : Help with Theory
Replies: 31
Views: 2130

Re: Glide Paths : Help with Theory

To prime the pump... this phrase in vanguard's document makes me question my understanding of the theory. Emphasis added The funds’ asset- allocation glide path was designed to help a typical investor who maintains a reasonable savings rate.... <clip> In addition, most retirees have a substantial po...
by EHEngineer
Wed Nov 23, 2016 12:54 pm
Forum: Investing - Theory, News & General
Topic: Glide Paths : Help with Theory
Replies: 31
Views: 2130

Re: Glide Paths : Help with Theory

combined
by EHEngineer
Wed Nov 23, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: Glide Paths : Help with Theory
Replies: 31
Views: 2130

Re: Glide Paths : Help with Theory

EHEngineer: This is a bit simplistic, but why not work on the end points (current allocation and desired allocation at retirement age) and draw a straight line? Unless you have reason to believe that some other curve is optimal you probably won't be far off from the answer that is right for you. Th...
by EHEngineer
Wed Nov 23, 2016 12:49 pm
Forum: Investing - Theory, News & General
Topic: Glide Paths : Help with Theory
Replies: 31
Views: 2130

Re: Glide Paths : Help with Theory & Analysis

There's only one body of research/discussion missing that I can think of as missing, and that's the stuff concerning the "sequence of returns" risk as covered in the work of people like Michael Kitces and Wade Pfau. [just started some pfau, will search for Kitces, thanks] You say you are ...
by EHEngineer
Wed Nov 23, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: books on taxes, tax planning, filing
Replies: 3
Views: 297

Re: books on taxes, tax planning, filing

I applaud your motivation. However, this is such a huge topic that no single book (other than the IRS code) could address all personal tax situations. Here's my best shot anyway: 2016 Numbers Unlimited by Financial Plan Inc. -- This is my favorite taxes cheat sheet. http://financialplaninc.com/wp-co...
by EHEngineer
Wed Nov 23, 2016 11:35 am
Forum: Investing - Theory, News & General
Topic: Glide Paths : Help with Theory
Replies: 31
Views: 2130

Glide Paths : Help with Theory

Background I've had a fixed stock/bond allocation for my 6+ years as an indexer. My IPS says I can change my AA and implement a glide path in 4Q of 2016. Goal I want to study glide paths and write one into my IPS. I'm focused on accumulation phase glide paths. Commentary is OK, but I prefer data-ba...
by EHEngineer
Tue Nov 22, 2016 11:07 am
Forum: Personal Finance (Not Investing)
Topic: I just fired my son - trying to teach about hard work and money
Replies: 37
Views: 4102

Re: I just fired my son - trying to teach about hard work and money

We don't pay for helping around the house. We will pay if there is something extra and above regular household duties. similar here. Kids have "family contribution" responsibilities which are unpaid, just like parents. If they want to do a parent's task we might agree on a payment. but th...
by EHEngineer
Mon Nov 21, 2016 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Double Check Figures: Affording $1M Home
Replies: 81
Views: 7036

Re: Double Check Figures: Affording $1M Home

It appears you have no debt other than mortgage. Can one afford a $450k mortgage on $190k salary? Yes. I have never had a 2.4X debt to income ratio, but lots of people do.
by EHEngineer
Mon Nov 21, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: Father passed - First steps to taking over finances?
Replies: 25
Views: 2311

Re: Father passed - First steps to taking over finances?

Sorry for your loss. Did your fiance's father have an attorney? That might be one place to find a will if he had one. Another place to look would be in a safe deposit box, if he had one, but access to his safe deposit box might be impossible without something from probate court. I agree with the po...
by EHEngineer
Fri Nov 18, 2016 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth Minimum $ Question
Replies: 7
Views: 579

Re: Vanguard Roth Minimum $ Question

Hi StartThemYoung,

Welcome to Bogleheads.

The minimum for all Target Retirement funds, and for the STAR fund, is $1000 (not $3000).
https://investor.vanguard.com/mutual-funds/fees
by EHEngineer
Fri Nov 18, 2016 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 6
Views: 798

Re: Please critique my portfolio

I just feel slightly pressured to make some decisions otherwise the cash just sits there unallocated. I would like to make a somewhat reasonable decision, so I am comfortable waiting for now. Hi jpn501, Don't feel pressured. You have already learned to save, which is the most important thing. Proba...
by EHEngineer
Fri Nov 18, 2016 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Please critique my portfolio
Replies: 6
Views: 798

Re: Please critique my portfolio

Hi jpn501, Nice work laying out your assets. I can tell you have been reading. I'll assume your portfolio is about $100k. Next I'll be critical. Keep in mind your portfolio as-shown has very reasonable costs and is indexed, but you asked for feedback... 1) Since 68% of your existing funds and about ...
by EHEngineer
Thu Nov 17, 2016 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: thinking about ditching life insurance
Replies: 19
Views: 2142

Re: thinking about ditching life insurance

Summary:

5-0 for keeping term insurance. Recommendations from $650k-1.5M and from 10-30 year.

Please confirm your current portfolio is $1.5 Million.

Rodc asked if the work whole life insurance is employer paid/subsidized, in which case it may be attractive.
by EHEngineer
Thu Nov 17, 2016 11:04 am
Forum: Personal Finance (Not Investing)
Topic: thinking about ditching life insurance
Replies: 19
Views: 2142

Re: thinking about ditching life insurance

At your savings rate you will be financially independent in about 8 years. I assume you will pay off the mortgage and have a $3M+ portfolio. Ditch the work policy. Ditch the 30 yr. You need a $1M 10 yr term policy on him (15 years if you want to be conservative). Make sure he has the new policy befo...
by EHEngineer
Thu Nov 17, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: Help me choose a target interest rate for a simulation
Replies: 6
Views: 741

Re: Help me choose a target interest rate for a simulation

To the historical average/median/mode.

To the historical 80th/90th/95th percentile high side.

I don't know what those interest rates are.
by EHEngineer
Thu Nov 17, 2016 10:48 am
Forum: Investing - Help with Personal Investments
Topic: looking for suggestions
Replies: 3
Views: 406

Re: looking for suggestions

starting 2017 I am going to have a extra cash income from a rental properties around $6k, maybe going to need part for paying property tax in the end of year ... Where to go? any other VG mutual fund recommendation? Betterment EFT's? I am already on max contribution on roth ira, t ira, simple ira e...
by EHEngineer
Thu Nov 17, 2016 10:26 am
Forum: Investing - Help with Personal Investments
Topic: 1031 exchange - need feedback quickly
Replies: 33
Views: 2188

Re: 1031 exchange - need feedback quickly

Hi Jey, What did she decide? My mom's escrow closed yesterday. She decided to pull out $300k from the 1031 exchange thanks to all of your advice, but she didn't feel right pulling out anymore than that. This puts her asset allocation to around 50% real estate, 50% stocks & bonds. ... I'm really...
by EHEngineer
Wed Nov 16, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: New way to finance college
Replies: 2
Views: 612

Re: New way to finance college

Love the concept. Who wants to start the next Lending Club?
by EHEngineer
Wed Nov 16, 2016 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Looking for HSA Advice
Replies: 17
Views: 1832

Re: Looking for HSA Advice

Hi bs1027, You have laid out your options clearly, but missing some critical information. If you choose option 1, 2 or 4, will you fund the roth with other money? You should fund the HSA to the maximum in 2016. This is second only to getting a 401k match (or possibly saving for a house if that is yo...
by EHEngineer
Wed Nov 16, 2016 10:31 am
Forum: Investing - Theory, News & General
Topic: Download quotes to excel spreadsheet
Replies: 26
Views: 1943

Re: Download quotes to excel spreadsheet

That could be a plan B but with what I have now it just happens automatically. Every time I open the spreadsheet the current prices are there. I have it arranged so the new prices don't replace the old but show up in an adjacent column, with another column showing the changes. There is a button (la...
by EHEngineer
Wed Nov 16, 2016 10:18 am
Forum: Investing - Theory, News & General
Topic: Download quotes to excel spreadsheet
Replies: 26
Views: 1943

Re: Download quotes to excel spreadsheet

So, I don't like being dependent on a single, apparently unofficial, solution. Another, more robust, solution would be welcome. Anyone know of one? Design: My excel portfolio workbook has a hyperlink to a web-published google sheet of price quotes. I use copy/paste to update excel. Process to updat...
by EHEngineer
Wed Nov 16, 2016 9:13 am
Forum: Investing - Help with Personal Investments
Topic: 1031 exchange - need feedback quickly
Replies: 33
Views: 2188

Re: 1031 exchange - need feedback quickly

My 72 y.o. mother just sold her only property to simplify her life. She has $1.1M in a 1031 exchange and is planning on purchasing three to four Deleware Statutory Trusts (DSTs) that contain Class A, mostly large scale residential communities in growing, economically strong regions. ...She has arou...
by EHEngineer
Tue Nov 15, 2016 9:31 am
Forum: Personal Consumer Issues
Topic: Are all high-efficiency washers ridiculously LOUD?
Replies: 31
Views: 1885

Re: Are all high-efficiency washers ridiculously LOUD?

Frisco Kid wrote:EHEngineer, take a look at Miele. They use concrete to add mass so it is relatively quiet and stable when it spins and these units spin fast..................


Thanks, I will.
by EHEngineer
Mon Nov 14, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Individual Health Insurance with National Coverage
Replies: 2
Views: 362

Re: Individual Health Insurance with National Coverage

Hi, I currently live in NY and am self-employed. However, I don't actually spend much time in NY and travel extensively in the US, spending periods of months away from NY. So, I would like health insurance which covers me nationally. I cannot find individual health insurance in NY which has a natio...
by EHEngineer
Mon Nov 14, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Are all high-efficiency washers ridiculously LOUD?
Replies: 31
Views: 1885

Re: Are all high-efficiency washers ridiculously LOUD?

Market guys? Now they want quiet, high efficiency. LG engineers, get with it. Another demand for better products, and I'm holding my breath. Does Bosch make washers? Their dishwashers are great. I have often wondered what it would take to make a washing machine that is 10X more stable than best of ...
by EHEngineer
Mon Nov 14, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Are all high-efficiency washers ridiculously LOUD?
Replies: 31
Views: 1885

Re: Are all high-efficiency washers ridiculously LOUD?

We have a high end front load LG. It is pretty quiet, but at some points when draining it has a ferocious rattle. It sounds like the drain pump is vibrating against the outer wall of the washer - a loud vibrating metallic contact rattle sound that has the entire side wall for magnifying the sound.
by EHEngineer
Mon Nov 07, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: Secure alternative to Gmail
Replies: 48
Views: 6766

Re: Threat concern

For completeness, I notice the absence of: subpoenas, search warrants, border searches, and seizure or theft of machines (whether mail servers or your own client machine). I find this interesting. Do you have solutions for these items? For #1 (monitoring by state actors), I'm almost as concerned ab...
by EHEngineer
Mon Nov 07, 2016 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: How to Proceed Going Forward.
Replies: 15
Views: 1579

Re: How to Proceed Going Forward.

^^
good summary.
by EHEngineer
Mon Nov 07, 2016 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: 1031 exchange - need feedback quickly
Replies: 33
Views: 2188

Re: 1031 exchange - need feedback quickly

To be fair, the 5% commission is being paid for at the end of a ten year period, not right now. She should be receiving 5% to 6% cash on cash back plus appreciation even after all the yearly expenses and commissions are taken into account. I found this SEC Form D, filed 4 days ago, Thursday last we...
by EHEngineer
Mon Nov 07, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Can Bank Change CD Terms Mid-Stream?
Replies: 40
Views: 3329

Re: Can Bank Change CD Terms Mid-Stream?

nisiprius wrote:...

(Or then again, you can be strong-willed and decline to let me, a stranger on the Internet, egg you on to a big exercise in time-wasting, and you could say "I'm probably OK and I don't care about it that much." That works, too.)


Adding my new tagline.
by EHEngineer
Mon Nov 07, 2016 12:33 pm
Forum: Investing - Theory, News & General
Topic: "When Does it Make Sense to Buy a Home Rather than Rent?"
Replies: 27
Views: 2269

Re: "When Does it Make Sense to Buy a Home Rather than Rent?"

IMHO, you should change the title of your article to When Does it Make Sense to Buy a House Rather than Rent? Once you use the word, " Home ", the article is biased toward buying. I disagree. The definition of a home is the place where one lives. One can either own it or rent it. The ques...
by EHEngineer
Mon Nov 07, 2016 11:38 am
Forum: Personal Finance (Not Investing)
Topic: What 529 plan are TX residents using?
Replies: 46
Views: 2105

Re: What 529 plan are TX residents using?

Nevada. Low cost and didn't require another login. I considered Utah, but the extra login wasn't worth it to me.
by EHEngineer
Mon Nov 07, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Help with Senior finance.
Replies: 21
Views: 1169

Re: Help with Senior finance.

[ Perhaps selling is the right way to go then to make everyone avoid terrible conversations and/or short-term debt? ...though telling them to sell their home and move is a tough conversation as well. At age 90 I would consider a reverse mortgage before making them move to save money. If they need a...
by EHEngineer
Mon Nov 07, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: How to Proceed Going Forward.
Replies: 15
Views: 1579

Re: How to Proceed Going Forward.

Sold house for $445k. 2500 SF. I should have been more clear. It's maintenance and repairs. The roof alone was $35k. A/C was $12k. Pool resurface, $12k. These are BIG numbers and I'd feel very uncomfortable doing it all over again. So, what are my choices? 1. Pay cash for a house in retirement and ...
by EHEngineer
Mon Nov 07, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Help with Senior finance.
Replies: 21
Views: 1169

Re: Help with Senior finance.

My grandfather is turning 90 next year. My grandmother is not far behind. Both are in fair health. Assets: Cash - Estimated 50K. House - Paid off. Estimated 550K in value. The only issue is that it has been poorly maintained so selling it would probably require about 100K in fixes (roof, possible f...
by EHEngineer
Mon Nov 07, 2016 9:52 am
Forum: Personal Finance (Not Investing)
Topic: How to Proceed Going Forward.
Replies: 15
Views: 1579

Re: How to Proceed Going Forward.

Thanks, orca. Right now our rent is $2,300/mo and we easily manage that, even with our $48k/yr savings. I would like to keep a mortgage below that amount if possible. Actually, it should be easy to find a house with a smaller mortgage than our rent. Only two problems; One, it would take a long time...
by EHEngineer
Sun Nov 06, 2016 10:31 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody have an "In case of emergency read this!" excerpt or statement?
Replies: 14
Views: 2515

Re: Anybody have an "In case of emergency read this!" excerpt or statement?

...I want to be psychologically prepared to keep buying and I am trying to identify writings or excerpts to read during the time when my portfolio takes losses. Jason Zweig recommended a signed dated and witnessed statement of intent to invest upon losses. I think that is a good idea. Would any of ...
by EHEngineer
Sun Nov 06, 2016 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to Proceed Going Forward.
Replies: 15
Views: 1579

Re: How to Proceed Going Forward.

I understand your situation. Age ~50, currently debt free, retirement savings on track, renting. Goal: own a house free-n-clear in 15 years. The simple answer is to buy a house with a 15 year mortgage payment that is equal to your current rent. Replace rent payment with mortgage payment (including t...
by EHEngineer
Fri Nov 04, 2016 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: HELP w/ my mother’s finances
Replies: 29
Views: 2669

Re: HELP w/ my mother’s finances

I hear you. What I'm going to say may not be bogleheadish, but with rates being as low as they are right now, I can only see annuities becoming a better deal with passing time and increasing rates. I don't like the idea of purchasing an annuity 8 years before she'll actually need it. Anything can h...
by EHEngineer
Fri Nov 04, 2016 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: HELP w/ my mother’s finances
Replies: 29
Views: 2669

Re: HELP w/ my mother’s finances

b)I don't see a need for an annuity that starts when she's 82 years old. I agree. I don't think she'll ever need an annuity, but she may eventually want one for peace of mind. We'll revisit this option perhaps 8 years from now. We've had many good years that make annuities (SPIAs) seem like a bad d...

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