Search found 211 matches

by MKP
Sun Feb 26, 2017 8:18 am
Forum: Personal Consumer Issues
Topic: Should I buy this house?
Replies: 37
Views: 2479

Re: Should I buy this house?

Do you plan to negotiate on the cost of the new home? The builders in this market dont really negotiate unless it is on a spec house that is already built and sitting there. Do you think you're getting the 30k upgrades for free? No sure what you mean by this... Instead of paying off the CRV what if...
by MKP
Sun Feb 26, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Should I buy this house?
Replies: 37
Views: 2479

Re: Should I buy this house?

double post
by MKP
Sun Feb 26, 2017 8:15 am
Forum: Personal Consumer Issues
Topic: Should I buy this house?
Replies: 37
Views: 2479

Re: Should I buy this house?

double post
by MKP
Sun Feb 26, 2017 7:58 am
Forum: Personal Consumer Issues
Topic: Should I buy this house?
Replies: 37
Views: 2479

Re: Should I buy this house?

Unless I missed it, are you planning to sell your current home and how much it is worth? Is it expensive because it is a new custom build? In my view, 1800 sq ft is sufficient for a family of 4. How much are used homes at 3000 sq ft? Current home will go between $365-$380K. I will owe $256 own the ...
by MKP
Sat Feb 25, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Should I buy this house?
Replies: 37
Views: 2479

Re: Should I buy this house?

It seems you are driving two expensive cars. If you spend less on cars, it will be easier to afford the new house. This has been a main concern of mine, the lease for the $683 per month car will be up 3 months subsequent to home purchase and my parents are going to give me a 10 year old Toyota high...
by MKP
Sat Feb 25, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Should I buy this house?
Replies: 37
Views: 2479

Re: Should I buy this house?

It seems you are driving two expensive cars. If you spend less on cars, it will be easier to afford the new house. This has been a main concern of mine, the lease for the $683 per month car will be up 3 months subsequent to home purchase and my parents are going to give me a 10 year old Toyota high...
by MKP
Sat Feb 25, 2017 4:26 pm
Forum: Personal Consumer Issues
Topic: Should I buy this house?
Replies: 37
Views: 2479

Re: Should I buy this house?

Unless I missed it, are you planning to sell your current home and how much it is worth? Is it expensive because it is a new custom build? In my view, 1800 sq ft is sufficient for a family of 4. How much are used homes at 3000 sq ft? Current home will go between $365-$380K. I will owe $256 own the ...
by MKP
Sat Feb 25, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Should I buy this house?
Replies: 37
Views: 2479

Re: Should I buy this house?

I'm not sure I saw how old your kids are. You said that daycare expenses are "baked in." I hope so. Daycare expenses would be my primary concern. For two kids, they can easily be around $25k a year, where I live. With an additional $25k/year, your budget gets pretty tight. Thats correct, ...
by MKP
Sat Feb 25, 2017 3:28 pm
Forum: Personal Consumer Issues
Topic: Should I buy this house?
Replies: 37
Views: 2479

Re: Should I buy this house?

I don't think you've provided enough information. What is your net take home? I have a multi-year forecast going and in a year with $0 bonus, maxing all retirement accounts, and a good estimate of expenses I would still have $10K left over. That is not much, but that is assuming I dont get any of a...
by MKP
Sat Feb 25, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Should I buy this house?
Replies: 37
Views: 2479

Should I buy this house?

I currently reside in an 1850 sq ft, 3 bed, 2.5 bath townhouse approximately 2 miles away from the new single family house.The new house is 3000 sq ft, on a 70x125 lot in a gated community with resort pool, etc. My current house has neither of these amenities. All maintenance & schools are the s...
by MKP
Wed Jan 04, 2017 9:04 pm
Forum: Investing - Theory, News & General
Topic: Are Younger people funding 529 Plans?
Replies: 109
Views: 7531

Re: Are Younger people funding 529 Plans?

For child number 1, I put in 100 a month (with x*100 on birthdays, x=AGE). Assuming a 6% nominal return that would get me to about $45K. I am good with that. I will do the same for child number 2.
by MKP
Mon Dec 12, 2016 8:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 98
Views: 8842

Re: Vanguard's new "account overview" page... BOO!

retire57 wrote:CTRL + or CTRL -

That will take care of the text size issue.

On another note, I've begun to use the Vanguard App almost exclusively on my tablet. Much easier to negotiate, IMO.


Why are you not using the link i gave above?...solves all your problems.
by MKP
Thu Dec 08, 2016 10:29 am
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 9196

Re: McDonald's Stock

The McDonalds that I'm familiar with you can get a cup of coffee for a dollar and a burger or breakfast sandwich for less than 2 dollars. I wouldn't call that absurd pricing. I had a good chuckle reading this. McDonalds is a global multinational conglomeration, and the largest restaurant chain, it ...
by MKP
Thu Dec 08, 2016 7:59 am
Forum: Investing - Theory, News & General
Topic: McDonald's Stock
Replies: 103
Views: 9196

Re: McDonald's Stock

I had a good chuckle reading this. McDonalds is a global multinational conglomeration, and the largest restaurant chain, it aint going anywhere. Personally, I think McDs could disappear in 10-20 years (or have a severely diminished presence). I have always been a Peter Lynch fan in terms of "i...
by MKP
Thu Nov 03, 2016 9:11 pm
Forum: Investing - Theory, News & General
Topic: Slipping last few days- time to buy now or wait until after 11/8?
Replies: 99
Views: 11878

Re: Slipping last few days- time to buy now or wait until after 11/8?

mickens16 wrote:I recall the same discussions regarding BREXIT and after a few days it was all forgotten.


i was going to say exactly that. :sharebeer
by MKP
Sat Oct 29, 2016 11:20 pm
Forum: Investing - Theory, News & General
Topic: Bogle's Total Stock Return Chart
Replies: 23
Views: 3617

Re: Bogle's Total Stock Return Chart

Think of it like this, it should account for all possible solutions. Lets not get into accrual v. cash accounting for simplicity. Revenues -Expenses (Costs+Taxes) =Profit (Cash) The business can either distribute the cash as a dividend or it can take the cash and use it to grow the business (through...
by MKP
Mon Apr 25, 2016 5:51 am
Forum: Investing - Theory, News & General
Topic: Why Are Real Interest Rates So Low Worldwide?
Replies: 87
Views: 10402

Re: Why Are Real Interest Rates So Low Worldwide?

LOL at the BOE, it is the BOE, FED, ECB, and Japan central bank's fault the rates are so low. I love it when these guys write these papers because the answer is behind the pen. Anytime someone is "setting" a rate or "fixing" LIBOR, that is not the market rate. That is a central ...
by MKP
Sun Apr 24, 2016 6:37 pm
Forum: Investing - Theory, News & General
Topic: Why Are Real Interest Rates So Low Worldwide?
Replies: 87
Views: 10402

Re: Why Are Real Interest Rates So Low Worldwide?

LOL at the BOE, it is the BOE, FED, ECB, and Japan central bank's fault the rates are so low. I love it when these guys write these papers because the answer is behind the pen. No one in their right minds would invest in NIRP accounts unless they were backed into a corner via central bank interventi...
by MKP
Fri Apr 22, 2016 6:15 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 9322

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

Unemployment is on an uptick. Are you kidding? Unemployment is at 5.0%, the lowest it's been since 2008 before the crash. There are many discussions to be had about the current state of the economy, but that isn't one of them. It was 4.9 the previous two months. Combined with employment as a percen...
by MKP
Wed Apr 20, 2016 6:38 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 223
Views: 34654

Re: I'm Calling an Emerging Markets Bottom

I've been DCA'ing in my HSA since last year....plan on keeping it up for the next 10-15 years. Up/down - whatever - I just like the valuations.
by MKP
Thu Mar 17, 2016 5:27 am
Forum: Personal Finance (Not Investing)
Topic: HSA Debit Card, any benefit?
Replies: 7
Views: 744

Re: HSA Debit Card, any benefit?

No benefit - do as you stated and get the rewards.
by MKP
Tue Mar 15, 2016 6:05 am
Forum: Investing - Theory, News & General
Topic: Recommended 529?
Replies: 33
Views: 3899

Re: Recommended 529?



that is what i use as well. :sharebeer
by MKP
Wed Feb 17, 2016 8:34 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 111
Views: 14686

Re: It sure looks like a good time to invest in oil

when oil doubles and goes to 60. VDE or VGENX don't really double in price right? it doesn't work that way? (because when I look at charts for past performance, it doesn't work out like that, how come?) Correct - because VDE invests in oil production and exploration. When the price of oil is high, ...
by MKP
Sun Jan 31, 2016 8:02 am
Forum: Investing - Theory, News & General
Topic: Graham's "margin of safety" for US stocks (1-29-16)
Replies: 62
Views: 11738

Re: Graham's "margin of safety" for US stocks (1-29-16)

Don't know what it means, but Vanguard Dividend Growth Fund and Vanguard Equity Income Fund both managed to outpace the Vanguard 500 and Long Term Investment Grade funds mentioned above, at 8.35% and 7.33%, respectively. This despite being actively managed and saddled with relatively high expense r...
by MKP
Sat Jan 30, 2016 9:08 pm
Forum: Investing - Theory, News & General
Topic: Hedge Funds blame Index funds: Bogleheads referenced
Replies: 80
Views: 8672

Re: Bill Ackman actually had a point with his index fund bubble theory

I actually think about this all the time and currently I think Ackman is just trying to divert attention from his terrible returns. On the other hand it does pose a problem with management maybe doing something that you don't want them to or if you don't think mgmt is doing the most fantastic job an...
by MKP
Sat Jan 23, 2016 8:18 pm
Forum: Investing - Theory, News & General
Topic: PenFed 15 month/1.51% APR CD
Replies: 3
Views: 871

Re: PenFed 15 month/1.51% APR CD

i like it - didnt see that thanks. Better than discover at .95% and better than VBISX (st-bond) without any risk.
by MKP
Sun Jan 17, 2016 8:47 am
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 223
Views: 34654

Re: I'm Calling an Emerging Markets Bottom

In my case I started with market weight first, then decided to have 5%-6% allocation then increased to eventually around 9% overall. I also re-balance when it get out of bands, that helps me sell high and buy low. Dollar weighted returns are around 3.91% at end of Dec for 11 year period, again noth...
by MKP
Sun Jan 17, 2016 8:44 am
Forum: Investing - Theory, News & General
Topic: Ibonds rates- something looks weird on TreasuryDirect
Replies: 6
Views: 1153

Re: Ibonds rates- something looks weird on TreasuryDirect

Thank you for the insight! I knew just leaving things on autopilot was too good to be true. Will have to pay attention a bit more now. Of course who knows what this skew will do in the long run, although if variable rate keeps going up I'll always be behind. You will appear to be behind, but you wi...
by MKP
Sat Jan 16, 2016 9:56 pm
Forum: Investing - Theory, News & General
Topic: Ibonds rates- something looks weird on TreasuryDirect
Replies: 6
Views: 1153

Re: Ibonds rates- something looks weird on TreasuryDirect

Interesting. I was expecting them to synchronize with the next rate change Will this shift stay over the years? And if so am I being silly by having automatic purchasing go off every month vs only at the May and Nov dates? They will always be off. This will also affect the 3 month penalty if you ev...
by MKP
Sat Jan 16, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 223
Views: 34654

Re: I'm Calling an Emerging Markets Bottom

My EM returns since 2005 for each calendar year is below: 2005 34.7% 2006 32.63% 2007 45.64% 2008 -53.64% 2009 92.28% 2010 33.61% 2011 -25.85% 2012 19.31% 2013 -3.44% 2014 -4.55% 2015 -18.5% 2016 ??? I wish someone told me to sell at end of 07, 10, and 12, and then buy at beginning of 09, 12, and a...
by MKP
Sat Jan 16, 2016 7:56 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 111
Views: 14686

Re: It sure looks like a good time to invest in oil

Around 10%... But that's not enough of a decline for me to make significant purchases (aside from my regular contributions). If I see a decline of 20% or more from peak I would start buying. For that to happen we would likely be in another recession. Several market sectors are down more than 20% fr...
by MKP
Sat Jan 16, 2016 7:53 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 223
Views: 34654

Re: I'm Calling an Emerging Markets Bottom

I have been buying in systematically since last year as I have been down on EM. However - I wont be making a larger than normal purchase until i see single digit PEs and a P/B of around 1.3. What are current valuation metrics? From M*: Price/Prospective Earnings* 11.71 Price/Book* 1.48 Price/Sales*...
by MKP
Sat Jan 16, 2016 7:44 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 223
Views: 34654

Re: I'm Calling an Emerging Markets Bottom

I have been buying in systematically since last year as I have been down on EM.

However - I wont be making a larger than normal purchase until i see single digit PEs and a P/B of around 1.3.
by MKP
Wed Dec 16, 2015 8:59 pm
Forum: Personal Consumer Issues
Topic: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?
Replies: 43
Views: 4179

Re: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?

Read financial news online. Invest the money in index funds. :happy this. there are at least 3 websites with the same info and they are free. Which 3 free websites do you recommend? I read yahoo/finance mainly to watch the index, but there are a lot of spam fed articles to sort through. Here are a ...
by MKP
Wed Dec 16, 2015 7:11 am
Forum: Personal Consumer Issues
Topic: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?
Replies: 43
Views: 4179

Re: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?

Toons wrote:Read financial news online.
Invest the money in index funds. :happy


this. there are at least 3 websites with the same info and they are free.
by MKP
Fri Nov 20, 2015 7:43 am
Forum: Investing - Theory, News & General
Topic: HSA rules dilemma
Replies: 14
Views: 2419

Re: HSA rules dilemma

SiteScopeBound wrote:How much is a kid these days? Assuming epidural, non c-section? 3-4k?


The having of the child would be under the wife's plan.

Any services reqd after birth would go against whatever plan the child is on.
by MKP
Thu Nov 19, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: Emergency Portfolio with 30% Stocks
Replies: 53
Views: 6062

Re: Emergency Portfolio with 30% Stocks

Hi all. I would like to hear thoughts on this emergency fund portfolio. If you look at the fine tuning table from Paul Merriman, it shows that 100% Bonds vs 30%/70% isn't really all that different in terms of downside. http://paulmerriman.com/fine-tuning-your-asset-allocation-2014/ From looking at ...
by MKP
Wed Nov 11, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: Valuations and market timing, and the current CAPE 10
Replies: 88
Views: 9367

Re: Valuations and market timing, and the current CAPE 10

This is why I have my 70/30 portfolio even though I am only 31...
by MKP
Sun Nov 08, 2015 8:04 am
Forum: Investing - Theory, News & General
Topic: John Bogle looking at stock valuations?
Replies: 48
Views: 5315

Re: John Bogle looking at stock valuations?

dc81584 wrote:
tainted-meat wrote:While he may be changing his expectations on returns, I'm not sure it should affect one's plans except to up the savings rate if possible.


+1


some of us are already saving 100%, i guess we just need to make more money. :moneybag
by MKP
Sat Nov 07, 2015 7:39 pm
Forum: Investing - Theory, News & General
Topic: John Bogle looking at stock valuations?
Replies: 48
Views: 5315

Re: John Bogle looking at stock valuations?

I think there are huge opportunities in international and emerging. P/B is around 1.5 which isn't bad and P/E has been compressed greatly over the past few years due to "crises"
by MKP
Thu Nov 05, 2015 7:34 am
Forum: Investing - Theory, News & General
Topic: Potential Energy Downside?
Replies: 27
Views: 2762

Re: Potential Energy Downside?

Who besides me was buying when the streets were red with blood back in late August? Lately, the lemmings have been showing up en masse to the party, guess they were too busy down at the beach to notice the bargains then. :) My average cost for VDE is somewhere near $85. I am not sure whether to sel...
by MKP
Wed Nov 04, 2015 8:17 pm
Forum: Investing - Theory, News & General
Topic: Potential Energy Downside?
Replies: 27
Views: 2762

Re: Potential Energy Downside?

Who besides me was buying when the streets were red with blood back in late August? Lately, the lemmings have been showing up en masse to the party, guess they were too busy down at the beach to notice the bargains then. :) My average cost for VDE is somewhere near $85. I am not sure whether to sel...
by MKP
Mon Nov 02, 2015 7:17 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 4804

Re: [Vanguard Calculated Dividend Incorrectly]

This happened for both Total Bond (investor) and Int-Term-Inv-Gr (investor) for me. In both cases I had just the "small" dividend over the weekend. This morning I now have four transactions, both "small" dividends and two "regular" dividends as it appears they should h...
by MKP
Sat Oct 31, 2015 6:15 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 4804

Re: [Vanguard Calculated Dividend Incorrectly]

I noticed this as well, but I track the number of shares that I have and they went up the correct amount on auto-reinvest, but the transaction history page shows the wrong amount. nice catch! My share count is correct, however the distribution amount is wrong. As long as I have the correct # of sha...
by MKP
Sat Oct 31, 2015 1:31 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 4804

Re: Vanguard Calculated Dividend Incorrectly

Did you hold those 750.796 shares for the entire month? Excellent point, thanks! In my case, it does not apply, though, had the shares the whole month. The only activity on this fund is the monthly distributions and I have had it since last year. My dividend from Total Bond Admiral was correct and ...
by MKP
Sat Oct 31, 2015 1:20 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Calculated Dividend Incorrectly]
Replies: 65
Views: 4804

Re: Vanguard Calculated Dividend Incorrectly

BoxOfUpticks wrote:
DSInvestor wrote:Did you hold those 750.796 shares for the entire month?


Excellent point, thanks! In my case, it does not apply, though, had the shares the whole month.


The only activity on this fund is the monthly distributions and I have had it since last year.

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