Search found 141 matches

by Five Scoop
Wed Aug 03, 2016 4:48 pm
Forum: Investing - Theory, News & General
Topic: My Small Cap Value Mutual Fund conundrum
Replies: 14
Views: 1534

Re: My Small Cap Value Mutual Fund conundrum

Livesoft has referenced this site before. They list their preference for funds from various asset classes. Some of their top small value choices are ETFs.

http://www.altruistfa.com/USsmallcapvaluefunds.htm
by Five Scoop
Fri Jul 29, 2016 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: INvesting in 529 for my kid
Replies: 17
Views: 1110

Re: INvesting in 529 for my kid

imabeliever wrote:We can adjust investment at any time



You can only change investments twice per calendar year for existing investments...this is an IRS regulation. You can direct new investments made during the year to different investments as you wish.
by Five Scoop
Wed Jul 20, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Stinky Washing Machine [SOLVED]
Replies: 44
Views: 4324

Re: Stinky Washing Machine

What is the name of the manufacturer and what is the model of your machine? (To the OP)
by Five Scoop
Wed Jul 20, 2016 8:22 am
Forum: Investing - Theory, News & General
Topic: Adding value by combining value and Momentum
Replies: 35
Views: 2600

Re: Adding value by combining value and Momentum

I am of the opinion that trying to invest in these factors is not worth the time or effort. I am not Larry Swedroe, so obviously my opinion on this may not matter much. I think that these factors are interesting to write about and they are interesting to read about. When AQR writes a paper and peopl...
by Five Scoop
Mon Jul 18, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: Small business 401k [choosing a provider]
Replies: 8
Views: 458

Re: Small business 401k [choosing a provider]

I'd be careful about Employee Fiduciary or Betterment as well. A lot of places offer profit-sharing plans but use cookie cutter plan documents and are not able to take advantage of New Comparability testing. As such, employers end up paying a ton in profit-sharing contributions that could be avoided...
by Five Scoop
Sat Jul 16, 2016 8:38 am
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 6671

Re: What's up with 4K tv? Should I buy one?

Have a 65 inch Samsung 4K. The difference in picture quality compared to 1080p is noticeable and is amazing. It looks like you are looking at something outside your window. The issue of course is the limited amount of content in 4K. Netflix has a decent selection (Breaking Bad, Better Call Saul, Mar...
by Five Scoop
Tue Jun 21, 2016 1:34 pm
Forum: Personal Consumer Issues
Topic: Where (safely and legally) to keep "cash"?
Replies: 78
Views: 5486

Re: Where (safely and legally) to keep "cash"?

TomCat96 wrote:Simple. All cash now has RFID tags in them. With a cheap scanner I can buy on ebay, not only will I find your cash, but the computer receiving the RFID tags can know exactly how much cash you have hidden. All I need to do is be within range of your cash.


This is absolutely false!
by Five Scoop
Wed Jun 01, 2016 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need Investing Help - $200k
Replies: 10
Views: 1529

Re: Need Investing Help - $200k

You could do a solo 401k at Vanguard and use a target date fund or a life strategy fund. They would be auto rebalanced so you wouldn't have to worry about that.
by Five Scoop
Sat May 07, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 17802

Re: Where is Rick Ferri?

It has nothing to do with form. If people were lead to Portfolio Solutions from Bogleheads due the association with Rick Ferri and he is no longer associated with Portfolio Solutions that is relevant information. People get pretty defensive here, but if my money was with Portfolio Solutions and Rick...
by Five Scoop
Sat May 07, 2016 8:10 am
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 17802

Re: Where is Rick Ferri?

http://courts.mi.gov/opinions_orders/businesscourtssearch/BusinessCourtDocuments/C06-2014-138394-CK%20(May%201,%202014).pdf

The whole link needs to be included. Cut and paste in browser if needed. Looks like the other link didn't highlight the whole thing
by Five Scoop
Sat May 07, 2016 7:36 am
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 17802

Re: Where is Rick Ferri?

A prior thread had multiple posts removed and was locked for speculation. However, there appears to have been some legal issue between Ferri and Portfolio Solutions. This is not speculation...it is fact. As such, the moderators should not remove this post. I'm not saying that anything came of the su...
by Five Scoop
Wed Mar 23, 2016 10:51 am
Forum: Investing - Theory, News & General
Topic: Misleading article about investing club on CNN Money
Replies: 18
Views: 2240

Misleading article about investing club on CNN Money

"This investing club turned $3k to $500,000" is the title of the article. It mentions that a college investing club turned 3,000 into 500,000 since it started investing in 1946. http://money.cnn.com/2016/03/23/investing/investing-club-lafayette-college/index.html?iid=hp-stack-dom I emailed...
by Five Scoop
Sat Feb 06, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Until Financial Independence?
Replies: 11
Views: 1627

Re: How Long Until Financial Independence?

Hi All, Last year I achieved a goal of paying off my home. This year I've been listening to podcast like Mad Fientist, Mr. Money Mustache. Next goal is I would really like to try to achieve financial independence. Seems many consider that when your net worth is 30 times your yearly spending right? ...
by Five Scoop
Mon Jan 25, 2016 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Did the bears eat my retirement? - Sequence of Returns Risk
Replies: 70
Views: 6848

Re: Did the bears eat my retirement? - Sequence of Returns Risk

Tell us about your "advisor". How much have you paid them over the years? It could be that you didn't do everything right if this advisor got a big piece of your pie. If that turns out to be the case, one of the things you can do is to stop feeding pie to your advisor. The OP already ment...
by Five Scoop
Wed Jan 13, 2016 8:00 am
Forum: Personal Consumer Issues
Topic: Water softener water overflow issue
Replies: 16
Views: 1237

Re: Water softener water overflow issue

For these kinds of questions, you really ought to have a professional come and look at your water softener. Our water softener was leaking recently and needed a new O-ring somewhere. Honestly, you can google and find many different reasons for things to leak, but you need someone to come out an insp...
by Five Scoop
Tue Jan 05, 2016 10:29 am
Forum: Personal Finance (Not Investing)
Topic: anyone have any exerience with mold on hardwood floors?
Replies: 6
Views: 390

Re: anyone have any exerience with mold on hardwood floors?

Do you have a picture you can upload? When were the floors last refinished? We had some hardwood issues, more related to a bad buff and coat with the polyurethane peeling, so first question is to make sure this is a mold issue versus some problem with the finish itself. Where in the Northeast do you...
by Five Scoop
Sat Jan 02, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Vacuum for hardwood
Replies: 46
Views: 3520

Re: Vacuum for hardwood

I'll echo the posters that love their Miele. Have a Miele Olympus and bought the Parquet Twister XL Smooth Floor Brush . The brush is really wide and shortens the time needed to vacuum the floors.
by Five Scoop
Thu Dec 31, 2015 7:37 am
Forum: Personal Finance (Not Investing)
Topic: Permanent Life Insurance- Northwestern Mutal
Replies: 42
Views: 3019

Re: Permanent Life Insurance- Northwestern Mutal

livesoft wrote:
Five Scoop wrote:... he is financially irresponsible.

Well, at least we agree on that.


Thanks for taking my comments out of context!
by Five Scoop
Thu Dec 31, 2015 6:20 am
Forum: Personal Finance (Not Investing)
Topic: Permanent Life Insurance- Northwestern Mutal
Replies: 42
Views: 3019

Re: Permanent Life Insurance- Northwestern Mutal

I mean, it's been 25 years and he's still practicing. That ought to tell you something. There are actually some doctors who love what they are doing and can't imagine a life without practicing medicine. It isn't everyone's goal to retire early. Your insinuation is that this physician is still pract...
by Five Scoop
Sun Dec 20, 2015 10:15 am
Forum: Investing - Help with Personal Investments
Topic: New Profit Sharing Plan
Replies: 3
Views: 622

Re: New Profit Sharing Plan

Fidelity has these types of accounts, as recommended by the previous poster. I have an FBO account with Fidelity with our 401k plan.
by Five Scoop
Tue Dec 15, 2015 6:54 am
Forum: Personal Consumer Issues
Topic: Best noise cancelling headphones?
Replies: 47
Views: 4460

Re: Best noise cancelling headphones?

I also have the Bose Quiet Comfort over ear headphones and they are great. They are comfortable and do a good job reducing noise.
by Five Scoop
Sun Dec 13, 2015 10:53 am
Forum: Investing - Theory, News & General
Topic: Permanent Bogleheads Portfolio
Replies: 33
Views: 4733

Re: Permanent Bogleheads Portfolio

EmergDoc wrote:If you try to make a "compromise" portfolio you get the worst of all.


This statement intuitively does not make sense to me. You would get an average of the two portfolios. Could you elaborate on how averaging the two portfolios would be worst of all?
by Five Scoop
Wed Sep 23, 2015 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Home is no longer occupied. Should we tell homeowners insurance company?
Replies: 32
Views: 2955

Re: Home is no longer occupied. Should we tell homeowners insurance company?

Yes, you should notify the insurance. Usually, people know the answer to these types of questions when they ask them. There may be different rates for unoccupied properties but not notifying the insurance could be considered insurance fraud.
by Five Scoop
Sun Sep 06, 2015 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Post your current employer retirement plan! (if any)
Replies: 94
Views: 9930

Re: Post your current employer retirement plan! (if any)

It would be interesting and helpful to the community to see how your plan compares to others. This should be interesting! To the OP: When you make a post like this, I really think you ought to volunteer such information first. I have a self directed plan at work and can invest in any Fidelity fund....
by Five Scoop
Sat Sep 05, 2015 9:12 pm
Forum: Personal Consumer Issues
Topic: Kindle: Is It Worth Replacing?
Replies: 13
Views: 1861

Re: Kindle: Is It Worth Replacing?

I agree with those that say to get a new Kindle. The Paperwhite versions are great for reading. The Kindle app is nice for use on an iPad if there are a lot of pictures in a book (some of my medical reference books have lots of color pictures). But, reading an actual book seems to be more enjoyable ...
by Five Scoop
Wed Aug 05, 2015 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Mimic Yale endowment fund?
Replies: 8
Views: 1472

Re: Mimic Yale endowment fund?

Swensen changed the percentages for REIT to 15% and emerging markets to 10%. This was in an article published in Yale Alumni Magazine in 2009.

See the sidebar in the article below.

http://yalealumnimagazine.com/articles/ ... ng-soundly
by Five Scoop
Thu Jul 30, 2015 12:13 pm
Forum: Investing - Theory, News & General
Topic: Everybody is sick of gold - Is now the time to buy??
Replies: 37
Views: 5096

Re: Everybody is sick of gold - Is now the time to buy??

My prediction then was $600. I stick with that. How is your track record with predictions? The only thing predictable about predictions is that the outcome is unpredictable. This quote about predictions is attributed to you (link provided) : "Guru predictions are not investment advice — they a...
by Five Scoop
Wed Jul 29, 2015 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Hefty Medical Bill
Replies: 38
Views: 3416

Re: Hefty Medical Bill

The OP should read this - it mentions that just because a hospital has a religous affiliation that it may not necessarily be exempt from offering COBRA.


https://www.infinisource.com/media/9157 ... 0Exception).pdf
by Five Scoop
Wed Jul 29, 2015 7:10 am
Forum: Personal Finance (Not Investing)
Topic: Hefty Medical Bill
Replies: 38
Views: 3416

Re: Hefty Medical Bill

This is from the Department of Labor website: http://www.dol.gov/ebsa/faqs/faq-consumer-cobra.html "If you need further information on your rights under a private-sector plan, or about ERISA generally, contact the Employee Benefits Security Administration (EBSA) electronically at askebsa.dol.go...
by Five Scoop
Tue Jul 28, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Keep paying the mortgage??
Replies: 67
Views: 7537

Re: Keep paying the mortgage??

Did the OP have a realtor (buyer's agent)? If so, I would think they would liable to make sure an inspection was done.
by Five Scoop
Thu Jul 23, 2015 11:28 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 44
Views: 3320

Re: Is there a service that will email you with each credit card purchase?

. Odd things can happen with these alerts. A friend ate at a restaurant and was paying the bill and got an alert for quite a different [larger] amount. He started having a "discussion" with the waiter about the discrepancy for what he signed for and the alert. It turned out that a family m...
by Five Scoop
Thu Jul 23, 2015 11:19 am
Forum: Personal Finance (Not Investing)
Topic: What are your financial goals?
Replies: 41
Views: 4903

Re: What are your financial goals?

33x annual expenses allow you to withdrawal 3% per year and meet your annual expenses - this is thought to be a safe withdrawal rate.
by Five Scoop
Thu Jul 23, 2015 11:13 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 44
Views: 3320

Re: Is there a service that will email you with each credit card purchase?

My Chase Freedom and Amex cards both send me text messages when any purchase is made. Could set up for email alerts also. You should have the option for these types of alerts if you sign in to your account online.
by Five Scoop
Mon Jul 13, 2015 10:16 am
Forum: Investing - Theory, News & General
Topic: Larry Portfolio Shortfall
Replies: 37
Views: 3350

Re: Larry Portfolio Shortfall

I'm not trying to by coy, so those interested may want to look into an advisor such as Rick Ferri, as I recall, he charges about 1/4% of AUM. Rick Ferri's firm actually charges 0.37% up to 3 million dollars, then 0.2% for assets greater than 3 million dollars. A link below mentions this. http://por...
by Five Scoop
Mon Jun 29, 2015 9:10 am
Forum: Personal Consumer Issues
Topic: Is there a good basic investing book for an 11 year old girl?
Replies: 13
Views: 1163

Re: Is there a good basic investing book for an 11 year old girl?

This post is not meant to be snarky or critical. But, only on Bogleheads could we have a question about having an 11 year old read books about investing. I have a hard time believing that an 11 year old could grasp concepts about money and investing to the extent that it would be appropriate to endo...
by Five Scoop
Sun Jun 28, 2015 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Any brokerage that offers commission free Vanguard mutual funds?
Replies: 21
Views: 3161

Re: Any brokerage that offers commission free Vanguard mutual funds?

My one real question is how quickly ACH transfers from a checking account are handled. At TD Ameritrade, they show up the evening of the transfer, and are fully investable in IRAs the next day. In our brokerage account---margin is enabled, but never truly used---I can buy something and then transfe...
by Five Scoop
Wed Jun 10, 2015 9:47 pm
Forum: Personal Consumer Issues
Topic: iPhone 6 or 6 plus for light business travel?
Replies: 27
Views: 3314

Re: iPhone 6 or 6 plus for light business travel?

6 plus is great. Seems big at 1st but really helpful to have the extra space on the screen. You get used to the size quickly.
by Five Scoop
Sat Jun 06, 2015 7:36 pm
Forum: Investing - Theory, News & General
Topic: QSPIX - thoughts on interesting fund
Replies: 1092
Views: 141525

Re: QSPIX - thoughts on interesting fund

Well, the fund does get a lot of attention on the forum. The danger here is that a prominent poster such as Larry Swedroe wrote a piece about this fund a while ago. That, unfortunately, gives it credibility. Then there are threads about articles written by Asness to support the AQR funds and their i...
by Five Scoop
Wed Jun 03, 2015 9:27 pm
Forum: Investing - Theory, News & General
Topic: Small business 401(k) - Can Employee Fiduciary & other providers help with plan design?
Replies: 9
Views: 1263

Re: Small business 401(k) - Can Employee Fiduciary & other providers help with plan design?

Our business was with employee fiduciary. They did draw up a plan document but they weren't really able to maximize the owner contributions to the retirement plan. Went with a third party administrator that was able to allow the owners to maximize contributions each year. Enployee Fiduciary did basi...
by Five Scoop
Thu May 28, 2015 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Bond portfolio YTM> 3%
Replies: 24
Views: 1836

Re: Bond portfolio YTM> 3%

Why does your bond yield need to be a certain amount? If it is income to live off of, why not look at purchasing an SPIA for some guaranteed income?
by Five Scoop
Sat May 16, 2015 2:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1860
Views: 454656

Re: What Book Are You Currently Reading? Part VI

The Storm of War by Andrew Roberts. An excellent book covering World War II.
by Five Scoop
Thu May 14, 2015 11:26 am
Forum: Personal Consumer Issues
Topic: Make my iPhone switch from WiFi to mobile data when WiFi signal is low
Replies: 10
Views: 1300

Re: Make my iPhone switch from WiFi to mobile data when WiFi signal is low

[quote="wolingfeng" Keep in mind wifi extender will deliver weakened wifi speed, probably 50% of what your original speed delivers. [/quote] I have a wi-fi extender and get the same download speed that I get through my LAN line. So, I don't think it's a given that you will get significantl...
by Five Scoop
Sat Apr 25, 2015 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to enlarge an old photo
Replies: 7
Views: 1105

Re: Best way to enlarge an old photo

If you scan the photo you shoulds scan it at whatever your scanner's highest resolution setting would be. Usually the choices are listed in dots per inch (dpi). Theb save it as a JPEG file but pick the best quality (least compression). You can then open the file on your computer and enlarge it to ge...
by Five Scoop
Sat Mar 21, 2015 8:22 pm
Forum: Investing - Theory, News & General
Topic: The one area I disagree with Jack
Replies: 93
Views: 9697

Re: The one area I disagree with Jack

I like this article and explanation by Merriman. He disagrees with Bogle.

http://paulmerriman.com/social-security-asset/
by Five Scoop
Sun Mar 15, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 449646

Re: What Movie Have You Recently Watched?

Last night I watched one of the worst movies I have ever seen. Last Will, from 2011. It was streamed from Hulu. Despite a "star-studded" cast, it had a terrible script, plot, and acting.

http://m.imdb.com/title/tt1312222/
by Five Scoop
Thu Mar 12, 2015 8:44 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1860
Views: 454656

Re: What Book Are You Currently Reading? Part VI

Finished reading The Giant Jam Sandwhich, by John Vernon Lord. It's a children's book with colorful illustrations and verses that rhyme, but being able to read one of my childhood favorites to my daughter was so much fun!
by Five Scoop
Wed Mar 11, 2015 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 22021

Re: What are some common misconceptions found in this forum?

Rebalancing doesn't help your performance. Livesoft knows what he's talking about. That rebalancing increases investment return - (I am not aware of any studies that show that rebalancing increases expected returns - I would welcome participants to cite studies that show any consistent rebalancing ...
by Five Scoop
Mon Mar 09, 2015 9:50 am
Forum: Investing - Help with Personal Investments
Topic: 2 Million Dollar Settlement, what to do with it?
Replies: 31
Views: 5070

Re: 2 Million Dollar Settlement, what to do with it?

Be careful if you end up sticking the money in banks. If large deposits near the FDIC maximum are made, it is almost guaranteed that someone in the bank will try to advise your friend that they can manage his investments. And, investment management by a bank is sure to have high costs. So, if one we...
by Five Scoop
Sat Feb 14, 2015 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Vision and Dental Insurance Question
Replies: 28
Views: 2320

Re: Vision and Dental Insurance Question

I wouldn't worry about separate vision insurance plans. If you have medical insurance, you are able to see an ophthalmologist for any medical conditions affecting your vision. Thus, medical checkups for your eyes are covered under medical insurance if you see an ophthalmologist.
by Five Scoop
Sat Feb 14, 2015 10:48 am
Forum: Investing - Theory, News & General
Topic: Dual Momentum Investing
Replies: 165
Views: 26493

Re: Dual Momentum Investing

If one has enough backtesting data to support an investing scheme, they can publish a book. The problem is that you and the author have no idea if investing according to that scheme is going to work in the future. Neither you or the author will know, possibly for decades, if the strategy works going...

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