Search found 247 matches

by Hogan773
Wed Feb 14, 2018 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Index Fund [better to purchase in bear market?]
Replies: 8
Views: 1360

Re: Vanguard Total Stock Index Fund [better to purchase in bear market?]

Is it better to buy a stock when it is cheaper or more expensive? I would think one knows the answer to that. As others said, if you know that we are coming into a bear market, then I would wait and buy at the bottom of such market. And moreover, I would sell all your current stock holdings and put ...
by Hogan773
Tue Feb 13, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: The Prime Money Market vs the Short Term Investment Grade bond fund question
Replies: 17
Views: 2343

Re: The Prime Money Market vs the Short Term Investment Grade bond fund question

I came across this quote from another thread Since the rule of thumb is interest rate change X years of duration = NAV change, we can reasonable expect three interest rate increases of .25% to decrease a fund with a 2.76 year duration an additional 2.07% of NAV or so this coming year. The duration ...
by Hogan773
Tue Feb 13, 2018 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Recent Music School Grad Needing Advice
Replies: 10
Views: 997

Re: Recent Music School Grad Needing Advice

1) I would start fairly aggressively paying back your parents. 2) I would not fund a future house account with a girlfriend. (wife=yes, girlfriend=no) Best of luck with your music career. What does OP's parents say about the payback? I agree about paying back but from a purely financial point of vi...
by Hogan773
Tue Feb 13, 2018 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Corp Bond Return Fund 4% Minimum [Thoughts?]
Replies: 14
Views: 1212

Re: Corp Bond Return Fund 4% Minimum [Thoughts?]

The current "IRS third segment rate" is like 4.5% so that is what I would be getting credited, with a minimum of 4% although it appears the "third segment rate" has been more like 4.5% to 5.0% over the past few years. I am having trouble finding detailed info on the fund beyond what I posted earlie...
by Hogan773
Tue Feb 13, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Corp Bond Return Fund 4% Minimum [Thoughts?]
Replies: 14
Views: 1212

Re: Corp Bond Return Fund 4% Minimum [Thoughts?]

The current "IRS third segment rate" is like 4.5% so that is what I would be getting credited, with a minimum of 4% although it appears the "third segment rate" has been more like 4.5% to 5.0% over the past few years. I am having trouble finding detailed info on the fund beyond what I posted earlier...
by Hogan773
Tue Feb 13, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund vs. Stable Value
Replies: 34
Views: 3034

Re: Bond Fund vs. Stable Value

Stable Value funds can be slow to respond to rising rates. Many have restrictions against moving assets in or out of a SVF from or to other fixed income investments. Such a restriction is to prevent participants from arbitraging between a SVF and bond fund. Thus, a bond fund might lose value when r...
by Hogan773
Mon Feb 12, 2018 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Number at which to stop worrying
Replies: 170
Views: 16877

Re: Number at which to stop worrying

Worry about what? We have 10x spending, which if I stop and think about it reduces a lot of worries as that's a lot of runway to recover from something like a job loss. But if/when we're at 25x spending I would still be too worried to retire because the 4% "rule" seems a little to uncertain for me....
by Hogan773
Mon Feb 12, 2018 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Corp Bond Return Fund 4% Minimum [Thoughts?]
Replies: 14
Views: 1212

Re: Corp Bond Return Fund 4% Minimum [Thoughts?]

The fund has the potential to be a great addition to your portfolio, but there are risks involved that you should understand in order to evaluate properly. Copying from the book "The Only Guide You_ll Ever Need for the Right Financial Plan Managing Your Wealth_ Risk_ and Investments" by Larry Swedr...
by Hogan773
Mon Feb 12, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund vs. Stable Value
Replies: 34
Views: 3034

Re: Bond Fund vs. Stable Value

So my Stable Value Fund has a current yield of 2.2% and an ER of 0.03%. I currently have about 50/50 split between the Stable Value and the Vanguard Total Bond Market Index fund for the bond component of my 401K/Pension assets held at my employer. Does it make sense to move to a higher % (or all) in...
by Hogan773
Fri Jan 26, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Corp Bond Return Fund 4% Minimum [Thoughts?]
Replies: 14
Views: 1212

Re: Corp Bond Return Fund 4% Minimum [Thoughts?]

This fund does not exist outside of the plan nor does the fund hold any assets. This investment option is not a mutual fund, a collective fund, or a separate account. Based on the quoted lines: is the for a non-qualified deferred compensation (NQDC) plan? If so, and if you are comfortable with the ...
by Hogan773
Fri Jan 26, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: Corp Bond Return Fund 4% Minimum [Thoughts?]
Replies: 14
Views: 1212

Corp Bond Return Fund 4% Minimum [Thoughts?]

I have this fund in my Pension/401K options. I have some invested in it but wondering why I wouldn't put more of my Total Bond Market allocation into something like this. Seems I have a 4% MINIMUM return here which would seem much better than riding in bonds where I could have a flat or slightly neg...
by Hogan773
Thu Jan 25, 2018 12:32 pm
Forum: Personal Consumer Issues
Topic: Is dry cleaning worth it?
Replies: 23
Views: 2260

Re: Is dry cleaning worth it?

You realize that they don't really "dry clean" cotton dress shirts at a cleaner. They launder them and iron/starch them. Certainly much easier than ironing your own shirts. I used to use a cleaner for convenience, but I found that they were really hard on the shirts, buttons were more often cracked,...
by Hogan773
Thu Jan 25, 2018 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm vs Geico
Replies: 68
Views: 4993

Re: State Farm vs Geico

I've had State Farm for 25 years and I'm not switching now to save $50 bucks and then have Geico and separately Liberty Mutual (overlaid by Geico). Why are you giving up before even getting started? All you've determined so far is that Liberty Mutual is not competitive with State Farm. You haven't ...
by Hogan773
Thu Jan 25, 2018 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 5055

Re: Make me feel good about my bond allocation

I recently started upping my bond allocation and I initially felt the same - it was a drag on returns. Then I decided to stop looking at it that way and start looking at the dollar figure as money I had "safe." Now when I rebalance into bonds, I see my "safe" number go up. Made me feel a little bet...
by Hogan773
Tue Jan 23, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 5055

Re: Make me feel good about my bond allocation

No, but I would generally like to be around 70% equities especially as my total portfolio grows and I get more comfortable that the magnitude of the safer piece would still cover my expenses and keep us in a warm house and not in a cardboard box by the train tracks. So the fact that I may take it d...
by Hogan773
Mon Jan 22, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 5055

Re: Make me feel good about my bond allocation

I recently started upping my bond allocation and I initially felt the same - it was a drag on returns. Then I decided to stop looking at it that way and start looking at the dollar figure as money I had "safe." Now when I rebalance into bonds, I see my "safe" number go up. Made me feel a little bet...
by Hogan773
Thu Jan 18, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 5055

Re: Make me feel good about my bond allocation

We “won” the game and I have a fixed amount in bonds. All new money goes to equities. I no longer worry about it. It’s almost as good as retiring. Can you explain further? This may be akin to a thread I created earlier where I was questioning whether once you hit a comfortable number, you can a) ha...
by Hogan773
Thu Jan 18, 2018 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 5055

Re: Make me feel good about my bond allocation

I recently started upping my bond allocation and I initially felt the same - it was a drag on returns. Then I decided to stop looking at it that way and start looking at the dollar figure as money I had "safe." Now when I rebalance into bonds, I see my "safe" number go up. Made me feel a little bet...
by Hogan773
Thu Jan 18, 2018 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions
Replies: 25
Views: 1601

Re: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions

At the company I worked for, in non-hail areas we used to see the average HO policy having one loss every 9 years. However, these claims were not distributed evenly. Some people don't have any losses period ever. Others have them more frequently. So, an easy way to help your loss ratio was to elimi...
by Hogan773
Thu Jan 18, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions
Replies: 25
Views: 1601

Re: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions

At the company I worked for, in non-hail areas we used to see the average HO policy having one loss every 9 years. However, these claims were not distributed evenly. Some people don't have any losses period ever. Others have them more frequently. So, an easy way to help your loss ratio was to elimi...
by Hogan773
Thu Jan 18, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions
Replies: 25
Views: 1601

Re: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions

At the company I worked for, in non-hail areas we used to see the average HO policy having one loss every 9 years. However, these claims were not distributed evenly. Some people don't have any losses period ever. Others have them more frequently. So, an easy way to help your loss ratio was to elimi...
by Hogan773
Thu Jan 18, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions
Replies: 25
Views: 1601

Re: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions

One thing to keep in mind is that making claims tends to cause your rates to go up. A lower deductible = more claims --> higher rates. I know that but again I'm not even looking at it that way. Nothing forces you to make a claim if the potential loss is $1 more than your deductible. I'm just lookin...
by Hogan773
Thu Jan 18, 2018 12:30 am
Forum: Personal Finance (Not Investing)
Topic: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions
Replies: 25
Views: 1601

Re: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions

I get that you CAN pay the deductible (so can I, at any tier) but are we making GOOD BETS? The cost savings of raising deductibles as OP shows rarely makes sense in what I have seen. +2 I understand in theory the argument that I've read on here about self-insuring as much as possible, but I've done...
by Hogan773
Wed Jan 17, 2018 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions
Replies: 25
Views: 1601

Re: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions

I'm sure there is some perfect spot. I don't know what it is. Let's say you have 3 $2,500 claims over 3 years. Does your insurance drop you? What are your rates after 1 and 2 and 3 if they do keep you? Still paying the same rate? If you have those 3 claims over 3 years you likely can't shop insuran...
by Hogan773
Wed Jan 17, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions
Replies: 25
Views: 1601

Re: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions

How many $1,500 claims have you filed against your home owner's insurance? I'm picking a number above your $1,000 deductible? $1,000 seems low for home. How many $1,500 claims can you file before your rates change? Maybe 1 free "grace" claim? It is unknown (like where the stock market is going) bec...
by Hogan773
Wed Jan 17, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions
Replies: 25
Views: 1601

How to Analyze Sweet Spot on Insurance Deductibles - Challenging my Preconceived Notions

I posted the below at the tail end of an old thread but it got swept away without any views so I will bring it forth here. I currently have $1000 deduct on both collision and Home insurance. Trying to see how best to analyze my options for the best deductible. I could technically pay out of pocket t...
by Hogan773
Tue Jan 16, 2018 10:47 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 177
Views: 21751

Re: TurboTax Prices

Freetaxusa does schedule c and d and lives up to it's name. Only downsides are the platform is online and does not import brokerage data. I've inputted my data on TurboTax and freetaxusa and get identical numbers. I'm not sure why freetaxusa doesn't get more love from bogleheads. Manually inputting...
by Hogan773
Mon Jan 15, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - value to insure?
Replies: 23
Views: 2703

Re: Homeowners Insurance - value to insure?

I have been with State Farm for a long time. They kept creeping up the insured value and I wasn't really paying attention. A couple years I was like really? My house will cost 750k to rebuild? I bought it for 800k 10 yrs prior and it is a normal 4 bedroom single family home. It started out with an ...
by Hogan773
Mon Jan 15, 2018 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - value to insure?
Replies: 23
Views: 2703

Re: Homeowners Insurance - value to insure?

I have been with State Farm for a long time. They kept creeping up the insured value and I wasn't really paying attention. A couple years I was like really? My house will cost 750k to rebuild? I bought it for 800k 10 yrs prior and it is a normal 4 bedroom single family home. It started out with an ...
by Hogan773
Sun Jan 14, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners Insurance - value to insure?
Replies: 23
Views: 2703

Re: Homeowners Insurance - value to insure?

I have been with State Farm for a long time. They kept creeping up the insured value and I wasn't really paying attention. A couple years I was like really? My house will cost 750k to rebuild? I bought it for 800k 10 yrs prior and it is a normal 4 bedroom single family home. It started out with an i...
by Hogan773
Sun Jan 14, 2018 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Home and Auto Insurance Deductible
Replies: 10
Views: 1926

Re: Home and Auto Insurance Deductible

Resurrecting this thread to get others' views of the "sweet spot" for deductibles I currently have $1000 deduct on both collision and Home insurance. I recently went from 250 deduct on Comprehensive to $0. Logic there was it was around $12 per year across both cars to do this. I figured that this op...
by Hogan773
Sun Jan 14, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 177
Views: 21751

Re: TurboTax Prices

It seems there is a major difference between the Online/Download and CD/DVD/Desktop version of TT Deluxe. One can manually enter Sch C expenses on the CD version but cannot on the other methods: Intuit forces you to buy a more expensive version! https://ttlc.intuit.com/questions/3891743-does-turbot...
by Hogan773
Sat Jan 13, 2018 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 177
Views: 21751

Re: TurboTax Prices

TurboTax deluxe 2017 federal + state for ~$39 + tax at Newegg. (On CD only for some reason. Free shipping by Fedex.) Same price as Amazon and Costco. Is Newegg tax free? Just a point of clarification. No online store is "tax-free". You must pay your state's tax, either to the merchant who collects ...
by Hogan773
Fri Jan 12, 2018 10:57 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 177
Views: 21751

Re: TurboTax Prices

rgs92 wrote:
Mon Jan 08, 2018 12:44 pm
TurboTax deluxe 2017 federal + state for ~$39 + tax at Newegg. (On CD only for some reason. Free shipping by Fedex.)
Same price as Amazon and Costco. Is Newegg tax free?
by Hogan773
Fri Jan 12, 2018 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 177
Views: 21751

Re: QUESTIONS ABOUT MOVING FROM ONLINE TO CD

So if I decide to make the transition, can I use the current version of the CD/download version and yet import my data from the prior online data that is saved up in the TurboTax online account? Instructions from Intuit: How do I switch from TurboTax Online to the TurboTax software? This is for tho...
by Hogan773
Fri Jan 12, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 177
Views: 21751

Re: QUESTIONS ABOUT MOVING FROM ONLINE TO CD

So if I decide to make the transition, can I use the current version of the CD/download version and yet import my data from the prior online data that is saved up in the TurboTax online account? Instructions from Intuit: How do I switch from TurboTax Online to the TurboTax software? Also in additio...
by Hogan773
Fri Jan 12, 2018 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 177
Views: 21751

Re: TurboTax Prices

Also in addition to my question above, it seems that TurboTax ONLINE is basically more expensive than the CD/Download version for what you get? Why is that? Wouldn't Intuit prefer not to have to ship out CDs and boxes to Costco etc? Or is the benefit that you can access from any and all computers wi...
by Hogan773
Fri Jan 12, 2018 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 177
Views: 21751

QUESTIONS ABOUT MOVING FROM ONLINE TO CD

I have been a TurboTax ONLINE user past 5 years. This started when I used to get it free from Vanguard and I have just stuck with it. I like the fact that I can use it from any computer with an internet connection, so I can log in from work, etc if need be. I know everyone freaks out about showing m...
by Hogan773
Fri Jan 12, 2018 2:36 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4159

Re: Men's no iron dress shirt recommendations

I too have a few Charles Tyrwhitt shirts, I like the range of fits but does the lack of gauntlet button (button on the sleeve) annoy anyone when rolling your sleeves up? Don't they also lack pockets, or you have to pay extra for them? The default is no pockets. I actually prefer that as I like the ...
by Hogan773
Thu Jan 11, 2018 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Use HSA money or pay out of pocket?
Replies: 36
Views: 3002

INVEST OR NOT?

So I have been in HSA for a few years and max the heck out of it for the tax benefit. I am of the mind that I should just let it accrue rather than use it. I save any MEANINGFUL medical receipts in a filing cabinet presuming I can use them later to draw out of the HSA. I don't bother saving small st...
by Hogan773
Thu Jan 11, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4159

Re: Men's no iron dress shirt recommendations

Can't believe nobody has mentioned MIZZEN & MAIN. The most comfortable dress shirts ever. I have also thrown them in a gym bag for hours and then pulled them out, shook it a bit, and the wrinkles were gone. ps- they're not cheap. This is Bogleheads. That's why nobody has mentioned them. This is peo...
by Hogan773
Thu Jan 11, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Telematics and Auto Insurance
Replies: 13
Views: 827

Re: Telematics and Auto Insurance

Has anyone seen their rates RISE once they started using these? (more than the normal expected slow creep of rates every renewal)?
by Hogan773
Thu Jan 11, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4159

Re: Men's no iron dress shirt recommendations

Took a quick scan through recommendations above and didn't notice either of these mentioned. I've been quite pleased with both: At Macy's "Eagle" all cotton no-iron dress shirts. I think they list for about $70, but often are on sale. From Kohls "Croft and Barrow" all cotton no-iron dress shirts. S...
by Hogan773
Thu Jan 11, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Telematics and Auto Insurance
Replies: 13
Views: 827

Re: Telematics and Auto Insurance

I'm presupposing that insurers are offering this because it helps them save money in the long run. But how does the use of telematics save them money? I haven't figured that out yet. AFAIK, they don't raise your rates because of the data they collect, at least not directly. Of course, they could do...
by Hogan773
Thu Jan 11, 2018 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 191
Views: 22551

Re: Do you have an umbrella policy?

No one's suggesting to go without an umbrella. We're just trying to find a rationale for 1? 5? 10? 100MM of coverage? Due to a devastating tragedy here in my local community, I've come to learn that an umbrella policy only means a bigger payday for plaintiffs in a lawsuit. If you have $1M in assets...
by Hogan773
Wed Jan 10, 2018 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 191
Views: 22551

Re: Do you have an umbrella policy?

If a doctor that made $700k a year gets killed in an accident that is your fault, I doubt the family is going to be happy with $1M or $2M or stop there IF they think there is more to be had. All the more reason to have a "Millionaire Next Door" lifestyle and not give anyone a basis for thinking the...
by Hogan773
Wed Jan 10, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4159

Re: Men's no iron dress shirt recommendations

CHARLES TYRWHITT. close thread When you buy them correctly with coupons (watch for them on Slickdeals) you can get them around $30-35 per shirt shipped. No better value in my opinion. They have a wide range of sizes, exact sleeve lengths, come with brass collar stays, and the fabric is really nice....
by Hogan773
Wed Jan 10, 2018 1:50 pm
Forum: Personal Consumer Issues
Topic: Men's no iron dress shirt recommendations
Replies: 66
Views: 4159

Re: Men's no iron dress shirt recommendations

CHARLES TYRWHITT. close thread When you buy them correctly with coupons (watch for them on Slickdeals) you can get them around $30-35 per shirt shipped. No better value in my opinion. They have a wide range of sizes, exact sleeve lengths, come with brass collar stays, and the fabric is really nice. ...
by Hogan773
Wed Jan 10, 2018 1:40 pm
Forum: Personal Consumer Issues
Topic: Telematics and Auto Insurance
Replies: 13
Views: 827

Telematics and Auto Insurance

I don't see recent discussions on this and it has been a growing area I have up till now resisted, but wondering if others have signed up for these dongles and what their experience has been with discounts. The new agent I was speaking with said he uses one and it has resulted in 15 or 20% discount ...
by Hogan773
Wed Jan 10, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 191
Views: 22551

Re: Do you have an umbrella policy?

So right now I am paying $440 on a $2mm umbrella from State Farm. If I move my insurance over to a new company I could pay $340 on a $2mm or $410 on a $3mm. Would you guys pocket the $100 savings (I am also going to save about $250 additional on Homeowners) and leave umbrella the same or would you "...