Search found 852 matches

by Nate79
Mon Jul 24, 2017 4:45 pm
Forum: Investing - Theory, News & General
Topic: Living Off Dividends
Replies: 23
Views: 1510

Re: Living Off Dividends

Just look a plot of the S&P500 dividends. Except for a spike at the end of 2008, when prices suddenly dropped but dividends had already been declared, the payout reverted very quickly to ~2%. Yet the market regained its pre-drop value only several years later. Besides... http://www.multpl.com/s...
by Nate79
Mon Jul 24, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Company refusing to provide prospectus
Replies: 4
Views: 371

Re: Company refusing to provide prospectus

I do not have a prospectus except a one pager for all of the funds in my 401k offered thru TR Price. Maybe they are available from HR but I doubt it.
by Nate79
Mon Jul 24, 2017 9:39 am
Forum: Personal Finance (Not Investing)
Topic: PMI - Why So Much Hate? [Private Mortgage Insurance]
Replies: 13
Views: 1114

Re: PMI - Why So Much Hate?

Its a cost that provides no return or value to the borrower except they had the ability to buy a house more expensive than they traditionally should be buying (20% down). For us it was a necessary evil that we got rid of asap. To me it is similar to buying a higher expense ratio mutual fund. You wil...
by Nate79
Sun Jul 23, 2017 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer old Roth IRA to vanguard
Replies: 7
Views: 379

Re: Transfer old Roth IRA to vanguard

A vanguard account is a brokerage account. You can buy any stock, bond, mutual fund, etc, etc that you wish.
by Nate79
Sun Jul 23, 2017 11:39 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 122
Views: 5823

Re: John Bogle Has Been Right About Investing In International Stocks

So if we come back in a few years and if international goes up a lot and the US has had a downturn will you update this thread and say he was wrong? International has outperformed the US many times. I do not construct a portfolio based purely on who had the highest performance. If so I would be 100%...
by Nate79
Sun Jul 23, 2017 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: AXA Structured Variable Annuity - Help me calculate fees/returns
Replies: 10
Views: 555

Re: AXA Structured Variable Annuity - Help me calculate fees/returns

The people should be in jail selling this junk. What a bunch of rip off artists.
by Nate79
Sun Jul 23, 2017 12:22 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 101
Views: 4611

Re: Is Amazon Prime worth it?

Totally worth it. Amazon is a huge time saver. Cross check prices in stores easily with the app and regularly find nice savings. Amazon fire stick and video service is very good.
by Nate79
Sat Jul 22, 2017 9:08 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 13616

Re: Dividend Misunderstandings & Only Spend Return

So instead of getting the market return you can roll the dice or play dart board with your list of funds, potentially having significant lower performance or at best just matching. There is no magic here. As we've said 100x in this thread. No you couldn't have just pulled money out of VTSAX and kep...
by Nate79
Sat Jul 22, 2017 8:33 pm
Forum: Investing - Theory, News & General
Topic: Most Americans don't trust financial advisers
Replies: 56
Views: 4948

Re: Most Americans don't trust financial advisers

They are right up there with used car salesmen.
by Nate79
Sat Jul 22, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Virginia 529 VSMPX
Replies: 3
Views: 231

Re: Virginia 529 VSMPX

According to the footnote you are not investing in the Vanguard fund, but a 529 fund which itself invests in the Vanguard fund. The stock price you are seeing is for the 529 fund, not the Vanguard fund.
by Nate79
Sat Jul 22, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 13616

Re: Dividend Misunderstandings & Only Spend Return

Is there a fund that follows this strategy for those of us who don't want to pick individual stocks? QDF SCHD DLN, DEW, DGRW -- meant to be GARP. OFDIX -- high ER but is the fund described in that long article DJD Just google "quality dividend". The desire for companies that aren't at ins...
by Nate79
Sat Jul 22, 2017 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: When to switch from Roth 401k to traditional 401k
Replies: 21
Views: 1223

Re: When to switch from Roth 401k to traditional 401k

It's very hard to imagine in your tax bracket that Roth was the right choice. Unless you post more information it's highly highly likely you should be choosing traditional.
by Nate79
Sat Jul 22, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Health Insurance Around Child birth to reduce costs
Replies: 24
Views: 1456

Re: Changing Health Insurance Around Child birth to reduce costs

I always thought that the insurance that you had on the date that the medical procedure happened will be billed regardless of the date that they decide to bill it. I would think that every billing code will have a date in which the procedure was performed which determines the insurance in affect at ...
by Nate79
Sat Jul 22, 2017 1:05 am
Forum: Investing - Help with Personal Investments
Topic: Do I have to liquidate or move my account if I decide to dump my financial advisor?
Replies: 10
Views: 1374

Re: Do I have to liquidate or move my account if I decide to dump my financial advisor?

JimmyJim wrote:The advisor simply told me Schwab would change my account over to a retail account within 30 days. As simple as that. I just have yo take care of my RMD going forward.


Congrats for leaving the salesman. He really sold you some high cost stinkers.
by Nate79
Sat Jul 22, 2017 12:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard 403b Changes
Replies: 106
Views: 6275

Re: Vanguard 403b Changes

Wife and I hold 403b accounts at vanguard as well (teachers). Got the letters yesterday. We've only been allowed to buy investor shares after we signed up. Anyone know how soon we'll be able to exchange investor shares for admiral? I just logged in to try to exchange and it still says "Admiral...
by Nate79
Sat Jul 22, 2017 12:47 am
Forum: Personal Finance (Not Investing)
Topic: Lexus to Camry, invest difference
Replies: 30
Views: 2533

Re: Lexus to Camry, invest difference

Welcome to the depreciation of a luxury car....
by Nate79
Fri Jul 21, 2017 7:49 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 13616

Re: Dividend Misunderstandings & Only Spend Return

snarlyjack wrote:Nate,

Here is a chart of Vanguard dividend growth fund vs. the S & P 500.
Hope this helps you...

http://www.morningstar.com/funds/XNAS/VDIGX/quote.html


You found a fund that tracks very closely Vanguard growth index which has a 1.32% yield.

Oops.....
by Nate79
Fri Jul 21, 2017 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Minimum amount for closed Vanguard Admiral funds?
Replies: 10
Views: 1073

Re: Minimum amount for closed Vanguard Admiral funds?

Wellington is not closed and the min is posted right on Vanguard's website.
by Nate79
Fri Jul 21, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: Signing up for term life insurance
Replies: 5
Views: 347

Re: Signing up for term life insurance

When we signed up for term the agent asked the questions over the phone and filled out the application. I don't see any issue with this.
by Nate79
Fri Jul 21, 2017 5:27 pm
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 52
Views: 2855

Re: Denver or Portland for a 2nd home

One more plug for Portland is the food and beer culture is #1 hands down. Especially if you are into healthy and organic options the food scene here is amazing.
by Nate79
Fri Jul 21, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Dividend Misunderstandings & Only Spend Return
Replies: 282
Views: 13616

Re: Dividend Misunderstandings & Only Spend Return

I have yet to see someone post a dividend fund that doesn't track extremely closely to TSM or S&P500. All of this talk about reduced volatility doesn't pan out in a real world fund.
by Nate79
Fri Jul 21, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Denver or Portland for a 2nd home
Replies: 52
Views: 2855

Re: Denver or Portland for a 2nd home

We live outside Portland and just love the area (except the traffic). The public transportation is very good if you are into that. Within easy distance is so much nature it's amazing. Ocean and mountains within a short drive. The housing market is so hot on the West coast (California, Seattle, Portl...
by Nate79
Thu Jul 20, 2017 9:15 am
Forum: Investing - Help with Personal Investments
Topic: Son's trust fund for education
Replies: 13
Views: 1146

Re: Son's trust fund for education

I would definitely reduce the risk. There is a major risk that the market drops >>50% and doesn't recover within your child's time in college.
by Nate79
Thu Jul 20, 2017 12:39 am
Forum: Personal Finance (Not Investing)
Topic: Payoff a HELOC advice requested
Replies: 4
Views: 516

Re: Payoff a HELOC advice requested

Company stock is not an emergency fund unless you severely derate it's value for a potential emergency during a severe drop in the stock market (>50%).

You need to build a real emergency fund.
by Nate79
Thu Jul 20, 2017 12:30 am
Forum: Investing - Help with Personal Investments
Topic: Wellington VWELX or 3 fund portfolio
Replies: 20
Views: 3232

Re: Wellington VWELX or 3 fund portfolio

Wellington is most definitely not closed. Why does anyone think it is closed?

Direct from Vanguard's investor page with $3k min investment:

https://personal.vanguard.com/us/funds/ ... IntExt=INT
by Nate79
Thu Jul 20, 2017 12:22 am
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 25
Views: 3035

Re: The Death of Buy and Hold

From the introduction to the book: So maybe buy and hold is dead, at least in the sense that most average investors are not using it, regardless of its advantages or disadvantages. But still, there was one question someone should have put to that gentleman on CNBC: when you say buy and hold is dead...
by Nate79
Wed Jul 19, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 45
Views: 3237

Re: Is Amex Platinum worth the high fees?

One thing I don't think has been mentioned here is about the retention offers AMEX will give you if you try to cancel. I am on my 2nd year on mine as I was going to cancel before it renews since I used all the benefits. They gave me a $350 credit to offset the annual making it more than worth keepi...
by Nate79
Wed Jul 19, 2017 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: After-tax contributions to Vanguard managed 401k
Replies: 8
Views: 508

Re: After-tax contributions to Vanguard managed 401k

my SPD indicates the limit I can contribute is 53k, yet vanguard is telling me my plan does not allow after-tax contributions. These facts would seem to be in conflict right? Does anybody have experience with this scenario? Thanks! What conflict are you referring? The ability to contribute 53k per ...
by Nate79
Wed Jul 19, 2017 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Conversation with investment broker
Replies: 2
Views: 400

Re: Conversation with investment broker

You just caught him off guard because he was planning to use you to make his next boat payment. Congrats and good luck to leaving EJ!
by Nate79
Wed Jul 19, 2017 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: After-tax contributions to Vanguard managed 401k
Replies: 8
Views: 508

Re: After-tax contributions to Vanguard managed 401k

matt87109 wrote:my SPD indicates the limit I can contribute is 53k, yet vanguard is telling me my plan does not allow after-tax contributions. These facts would seem to be in conflict right? Does anybody have experience with this scenario? Thanks!


What conflict are you referring?
by Nate79
Wed Jul 19, 2017 9:43 pm
Forum: Investing - Theory, News & General
Topic: Do Index Funds Distort Market Valuations?
Replies: 83
Views: 4666

Re: Do Index Funds Distort Market Valuations?

Is there an EJ salesman in the room?
by Nate79
Wed Jul 19, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Stuck with a MAJOR annuity problem
Replies: 24
Views: 2225

Re: Stuck with a MAJOR annuity problem

Where to begin.. Apologies for the formatting =( My father is 59 and plans on retiring when he is 69. I am trying to figure out the best way to fix my father's finances so they are more efficient. My father has: 4 fixed and index deferred annuities which are rolled into traditional IRAs........$340...
by Nate79
Wed Jul 19, 2017 11:18 am
Forum: Personal Consumer Issues
Topic: Is Amex Platinum worth the high fees?
Replies: 45
Views: 3237

Re: Is Amex Platinum worth the high fees?

The fee is getting too high for me so I'm cancelling this month as the fee comes due. The increase in fee with the addition of Uber is a waste for us. You can use the airline credit to buy airline gift cards if done in a certain way. For example this year I was able to buy Delta gift cards in $50 in...
by Nate79
Wed Jul 19, 2017 11:11 am
Forum: Personal Finance (Not Investing)
Topic: HSA vs. FSA
Replies: 11
Views: 1048

Re: HSA vs. FSA

You need to call the insurance company and ask them if it is a HSA qualified plan. Its not simple.
by Nate79
Wed Jul 19, 2017 12:15 am
Forum: Personal Finance (Not Investing)
Topic: Assistance with a retiree's (FIL's) portfolio
Replies: 9
Views: 688

Re: Assistance with a retiree's portfolio

Van-Guard23 wrote:
Nate79 wrote:When did he move out of the house and turn it into a rental?


He moved out of the house in February and rented out the house in late April.


I would consider selling the house and investing the funds to take advantage of the capital gain exclusion before it is lost due to rental.
by Nate79
Tue Jul 18, 2017 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Assistance with a retiree's (FIL's) portfolio
Replies: 9
Views: 688

Re: Assistance with a retiree's portfolio

When did he move out of the house and turn it into a rental?
by Nate79
Tue Jul 18, 2017 11:17 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 3923

Re: Expense Ratios, how high is too high

I really enjoy the S&P500 fund in my employer 401k with an ER of 0.02% and total bond fund 0.03%.
by Nate79
Tue Jul 18, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: Why the world's biggest investor backs the simplest investment
Replies: 25
Views: 3595

Re: Why the world's biggest investor backs the simplest investment

The history of the first index mutual fund by Bogle and Vanguard was a very interesting read. It's amazing to see how far the investment world has come in 40 years.
by Nate79
Tue Jul 18, 2017 9:26 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 3923

Re: Expense Ratios, how high is too high

Expenses come out of your total return. So the real question is how much of your hard earned money are you willing to pay out to the fund company or advisor? Expense ratios are not some funny money with no meaning but actual cost you are paying out of your return.
by Nate79
Tue Jul 18, 2017 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Dementia: SSDI + Optimizing Investments
Replies: 8
Views: 887

Re: Dementia: SSDI + Optimizing Investments

Can you provide more information about the life insurance policy? Is this term life?
by Nate79
Tue Jul 18, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Contemplating cancelling life insurance policy (16 years in), can't get an inforce illustration
Replies: 12
Views: 1381

Re: Contemplating cancelling life insurance policy (16 years in), can't get an inforce illustration

Whole life is one of the worst horrible financial products ever created. Term insurance is for life insurance and whole life is for lining bird cages.
by Nate79
Tue Jul 18, 2017 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Allowable Roth contribution?
Replies: 8
Views: 290

Re: Allowable Roth contribution?

Wouldn't your contribution be allowed as a spousal IRA contribution?
by Nate79
Mon Jul 17, 2017 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 27
Views: 2756

Re: Good Service for Flagship Investors

I have transferred multiple accounts to Vanguard. I did them all online and ALL of them went smoothly.

No issues with Vanguard here.
by Nate79
Mon Jul 17, 2017 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: When, if ever, does it make sense to cease contributing the 401K max?
Replies: 40
Views: 5217

Re: When, if ever, does it make sense to cease contributing the 401K max?

I am having hard time how somebody who is in lower tax bracket during his earning period AND does not put maximum in 401K but still ends up with too many millions in 401K and "forced" in to higher bracket during the retirement. If your retirement kitty is $5M, you did not get there by bei...
by Nate79
Mon Jul 17, 2017 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to help sick in laws financially.
Replies: 14
Views: 1584

Re: Best way to help sick in laws financially.

I think you have written off their current home a little too soon. The location of the bedrooms may not be ideal but I have seen this multiple times with bedridden people having a medical bed in the living room (or whatever room is on the main floor).
by Nate79
Mon Jul 17, 2017 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you consider business travel to be a perk or a burden?
Replies: 117
Views: 6636

Re: Do you consider business travel to be a perk or a burden?

I really enjoyed business travel when I was young and childless. When you have a family, it's a burden. +1 Best response. Depends where you are in your life. In addition to this, it should also be noted that things have changed drastically in the last 10 - 20 years whereby airline travel is far mor...
by Nate79
Mon Jul 17, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: To 529 or not for better Financial Aid
Replies: 17
Views: 1197

Re: To 529 or not for better Financial Aid

I would suggest to have a little 529, roth ira, 401k, etc to pay for college. I do not believe that you can count on funding college from your retirement accounts in total due to having a young child and the penalties and impact to FAFSA for using accounts like Roth. So I suggest to do like we are p...
by Nate79
Mon Jul 17, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: How to use retirement funds for college without penalities or taxes?
Replies: 31
Views: 1963

Re: How to use retirement funds for college without penalities or taxes?

The state tax deduction in my state (Oregon) makes 529 a no brainer to save the almost 10% state income tax. We fund our retirement accounts significantly (already maxing out 401k with also a significant match) but do not max out 2 Roth's. We plan to fund a 529 to some extent to take advantage of th...
by Nate79
Sun Jul 16, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Finance Milestone: 20 Times Annual Expense
Replies: 95
Views: 8224

Re: Personal Finance Milestone: 20 Times Annual Expense

Congrats. You may have made some mistakes in the past but you are definitely not a "Fool."
by Nate79
Sun Jul 16, 2017 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: Diminished Value Auto Claim
Replies: 12
Views: 952

Re: car Diminished Value

Unfortunately you have to sell or trade in your car to claim diminished value. It sucks that an accident has happened. If the car is fixed there and you keep it there is not any diminished value. Yes the value is lower but you have to actually sell it to realize the loss. Think of tax loss harvesti...

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