Search found 169 matches

by Five Scoop
Tue Jun 20, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 4289

Re: Need to find Loaded Index Funds

I read that, but index funds would still be cheaper.
by Five Scoop
Tue Jun 20, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Need to find Loaded Index Funds
Replies: 64
Views: 4289

Re: Need to find Loaded Index Funds

It's interesting because by forcing the OP to buy mutual funds with loads, they are not acting as a fiduciary for their own employee.
by Five Scoop
Thu Jun 08, 2017 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Help me understand VPALX - Pa Long-Term tax Exempts
Replies: 4
Views: 236

Re: Help me understand VPALX - Pa Long-Term tax Exempts

The distribution yield is 3.5% but the SEC yield is 2.6%.

So, if you are looking at what % interest to expect to expect going forward, it is the SEC yield of 2.6%.
by Five Scoop
Sat May 20, 2017 7:54 pm
Forum: Personal Consumer Issues
Topic: Need new Router/Wifi Networking Ideas
Replies: 39
Views: 4277

Re: Need new Router/Wifi Networking Ideas

Have an Eero system with 3 access points. It's been great. Devices access whichever point has the best signal. One wifi network name and password.
by Five Scoop
Wed May 10, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Challenges Of Managing Finances As We Age
Replies: 25
Views: 3901

Re: Larry Swedroe on Challenges Of Managing Finances As We Age

Random Walker wrote:http://www.etf.com/sections/index-investor-corner/swedroe-ageing-no-guarantee-financial-wisdom

Dave


OP, can you post a summary of the key points of the article. A blank link is not helpful in determining if I should spend time clicking on these (and other of Mr. Swedroe's) links.
by Five Scoop
Mon May 08, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Fitbit Blaze vs Apple Watch
Replies: 24
Views: 2443

Re: Fitbit Blaze vs Apple Watch

Have the Apple Watch series 2. I compared it to a chest heart rate monitor and got identical readings. There have been a few times where the watch might not get a reading for a minute or two, but that seems to be if the watch is a little loose. The vast majority of the time it has worked without any...
by Five Scoop
Mon May 08, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Will and Estranged Child advice
Replies: 44
Views: 4378

Re: Will and Estranged Child advice

Choices have consequences, and estranged or children who mistreat their parents should learn that. I have no issues with disinheriting a hostile or abusive or estranged child - especially if you have made multiple efforts to hold out olive branches and leave the door open. You are writing from the ...
by Five Scoop
Thu May 04, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Too much Money?
Replies: 40
Views: 7565

Re: Too much Money?

[Post removed -- admin LadyGeek] [Removed response --admin LadyGeek] To the OP - I agree with others above that you need to find a better way to assess your current savings and planned withdrawals to get a better idea about the ability of your savings to last. Try firecalc.com - you plug in your cu...
by Five Scoop
Wed May 03, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Car Warranty Lies
Replies: 32
Views: 4136

Re: Car Warranty Lies

OP, is the problem that Audi is not the one providing the warranty? My experience is that these warranties are offered by third parties. I have not had or heard of any trouble with extended warranties providing coverage.
by Five Scoop
Tue May 02, 2017 11:08 am
Forum: Investing - Theory, News & General
Topic: 2 Book Reviews by Larry Swedroe
Replies: 2
Views: 621

Re: 2 Book Reviews by Larry Swedroe

As an FYI:

The two books are:

“Rich as a King: How the Wisdom of Chess Can Make You a Grandmaster of Investing” by Goldstein and Polgar

and

“Finance for Normal People: How Investors and Markets Behave" by Statman
by Five Scoop
Mon May 01, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: buying dining table is hard
Replies: 55
Views: 3813

Re: buying dining table is hard

Econberkeley wrote:our favorite set was from rooms to go for $700 with 6 chairs but it is too small for our house.


Do you have a link to the favorite set? It might help if we could see what style you might be interested in to give some better recommendations.
by Five Scoop
Sat Apr 29, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: Wrist based heart rate monitors
Replies: 35
Views: 2630

Re: Wrist based heart rate monitors

I have an Apple Watch series 2 and compared it to a chest strap heart rate monitor. The heart rate measurements were exactly the same. So, I think the Apple Watch is accurate enough.
by Five Scoop
Fri Apr 28, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio feedback for recent grad!
Replies: 10
Views: 785

Re: Portfolio feedback for recent grad!

The 240,000 loan at 6.5% is a killer. It's not worth investing any money with a loan this size and this rate still owed. You will never be able to guarantee a 6.5% return on your investments (which you would need just to break even). I wouldn't worry about investing anything until this loan is gone....
by Five Scoop
Thu Mar 23, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: Kitchen island
Replies: 43
Views: 2781

Re: Kitchen island

There is the concept of the kitchen triangle, which has been mentioned above. You should make sure that you can reach the island easily from the kitchen sink, refrigerator, and stove. If you are washing fruits or vegetables, it is convenient to turn from the sink to the island so you can chop them. ...
by Five Scoop
Sun Mar 19, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?
Replies: 25
Views: 1780

Re: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?

Amazon Basics rechargeable batteries don't leak between charges and work really well. I've been using them for years.
by Five Scoop
Wed Mar 15, 2017 8:40 am
Forum: Personal Consumer Issues
Topic: Mesh Network: Linksys Velop vs Netgear Orbi?
Replies: 17
Views: 6106

Re: Mesh Network: Linksys Velop vs Netgear Orbi?

Another recent thread lead me to purchase an Eeros system. It works really well and I would highly recommend it!
by Five Scoop
Sat Mar 11, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: Google wifi is awesome
Replies: 67
Views: 12452

Re: Google wifi is awesome

Just want to thank the OP for starting this thread! I didn't know about mesh networks until now. Thanks to some other posters for mentioning the Eero. I just got a 3-pack and had them all up and running within 10 minutes. I have great wifi signal throughout the house now (basement, first, and 2nd fl...
by Five Scoop
Wed Feb 08, 2017 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: John Hancock 401(k)
Replies: 21
Views: 1250

Re: John Hancock 401(k)

OP, you wrote in another thread re: Employee Fiduciary (EF) - "We almost went with EF but they don't have insurance (I forget the name of the insurance)." Was the insurance a Surety Bond? If so, they are dirt cheap and your company can purchase one for the plan assets.
by Five Scoop
Fri Jan 13, 2017 9:19 am
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 99
Views: 19092

Re: favorite bogleheads posts?

My favorite post has to be this one from JupiterJones in a thread about a girlfriend moving in with the OP. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=88063 Typically this would be a red flag for me except that she's very frugal, low maintenance, ... I have her reading up on investing ...
by Five Scoop
Thu Dec 15, 2016 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: need help with setting up private practice 401k + options
Replies: 6
Views: 733

Re: need help with setting up private practice 401k + options

You (the OP) should be able to set up a self-directed "non-prototype account" at Fidelity (Also called an FBO, or for-benefit-of account). Our 3rd party administrator allows that feature. I am able to invest in the Fidelity Index funds. There is a provision in the Plan Document that allows...
by Five Scoop
Tue Dec 13, 2016 10:55 am
Forum: Investing - Help with Personal Investments
Topic: A small new wrinkle on the old DCA vs lump sum question
Replies: 7
Views: 618

Re: A small new wrinkle on the old DCA vs lump sum question

The other thing the OP could do is let the husband keep his investments in a savings account and then the OP could increase her allocation to stocks. Overall, the family portfolio could maintain the same asset allocation, but the husband won't be putting his money at risk.
by Five Scoop
Thu Dec 08, 2016 8:01 am
Forum: Investing - Help with Personal Investments
Topic: First real situation where I know I should be doing something with my money.
Replies: 12
Views: 1486

Re: First real situation where I know I should be doing something with my money.

OP - do you and your wife have jobs in NJ? I don't think it's that easy to get teaching positions. So, I would recommend researching available positions before giving up jobs that you and your wife already have.
by Five Scoop
Sat Dec 03, 2016 5:48 pm
Forum: Investing - Theory, News & General
Topic: P2P Lending Dead
Replies: 54
Views: 7932

Re: P2P Lending Dead

Larry, [OT comment removed by moderator prudent] I think the point Stlutz raised about expense ratios is a valid one...we are bogleheads after all! stlutz And as to your last statement, about speculative, don't you think that is an SEC requirement on any investment that isn't plain vanilla. This is ...
by Five Scoop
Sat Oct 29, 2016 6:09 pm
Forum: Personal Consumer Issues
Topic: A Medicare part D puzzle, finally solved
Replies: 53
Views: 4602

Re: A Medicare part D puzzle, finally solved

I love Part"D", I pay $18.40 a month and get a tier 1 drug that I can buy at WalMart for $4, But mailorder is for free, and I should be happy because the rack price $50. You can say that you want that script filled at Wal Mart and tell them you want to pay cash and skip your prescription ...
by Five Scoop
Sat Oct 29, 2016 2:52 pm
Forum: Personal Consumer Issues
Topic: A Medicare part D puzzle, finally solved
Replies: 53
Views: 4602

Re: A Medicare part D puzzle, finally solved

I love Part"D", I pay $18.40 a month and get a tier 1 drug that I can buy at WalMart for $4, But mailorder is for free, and I should be happy because the rack price $50. You can say that you want that script filled at Wal Mart and tell them you want to pay cash and skip your prescription ...
by Five Scoop
Mon Oct 24, 2016 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Need help. Drowning in debt and worried about the future and retirement
Replies: 243
Views: 26915

Re: Need help. Drowning in debt and worried about the future and retirement

The parents have car loans of $27,000 and $19,000 and people are up in arms about $52/month for an instrument!! Let the kid have the instrument!
by Five Scoop
Sat Oct 22, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: HSA>TD Ameritrade>questions
Replies: 12
Views: 892

Re: HSA>TD Ameritrade>questions

OP, are there other costs associated with the account?
by Five Scoop
Sat Oct 22, 2016 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: HSA>TD Ameritrade>questions
Replies: 12
Views: 892

Re: HSA>TD Ameritrade>questions

OP, why not change your HSA to a different vendor? You can take your HSA account anywhere.
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: 1794

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: 1309

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: 4945

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: 3363

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: 600

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: 8346

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: 6534

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: 1641

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: 22154

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: 22154

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: 22154

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: 2577

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. m I emailed the author of the article and mentioned that if the club invested in the S&P 500 in 1946 they wo...
by Five Scoop
Sat Feb 06, 2016 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Until Financial Independence?
Replies: 11
Views: 1818

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: 7684

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: 2122

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: 469

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: 3981

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: 3315

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: 3315

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: 684

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: 5751

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: 5300

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?