Search found 251 matches

by RandomPointer
Sat Jun 16, 2018 11:37 pm
Forum: Investing - Theory, News & General
Topic: Why is risk adjusted return important?
Replies: 35
Views: 2400

Re: Why is risk adjusted return important?

galeno wrote:
Thu May 31, 2018 6:33 pm
Risk adjusted return means you're getting the most EFFICIENT return.

Effective means doing the right thing.

Efficient means doing things right.
I like that. Thanks.
by RandomPointer
Sat Jun 16, 2018 11:36 pm
Forum: Investing - Theory, News & General
Topic: Why is risk adjusted return important?
Replies: 35
Views: 2400

Re: Why is risk adjusted return important?

You have, or should have, some idea of how much risk you are willing to take. There ought to be some limit. Risk should be factoring into your decision in some way. Surely, you would not invest in a stock market fund with a fluctuating return averaging 10%, if you could get riskless bank account th...
by RandomPointer
Sat Jun 16, 2018 11:13 pm
Forum: Investing - Theory, News & General
Topic: Why is risk adjusted return important?
Replies: 35
Views: 2400

Re: Why is risk adjusted return important?

ThrustVectoring wrote:
Thu May 31, 2018 11:39 am
Volatility isn't just a risk, it drags down your returns as well.
I am trying to get my mind around this, can you help me understand? In theory, high volatility means a higher potential for result too, no?
by RandomPointer
Sat Jun 16, 2018 11:05 pm
Forum: Investing - Theory, News & General
Topic: Why is risk adjusted return important?
Replies: 35
Views: 2400

Re: Why is risk adjusted return important?

The first question that you should ask is what is Risk. Risk, in this case, means that you cannot reach your financial goal. So, unless and until you define your financial goals and let us know what they are, we cannot discuss whether risk-adjusted return matters to you. My definition of risk: I wo...
by RandomPointer
Wed May 30, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Why is risk adjusted return important?
Replies: 35
Views: 2400

Why is risk adjusted return important?

I am trying to understand about risk adjusted return. Why is it significant? Is there an easy to understand scenario/example where it is important? I heard this theory that two portfolios, portfolio A takes more risk than portfolio B, and both yield the same return after a certain period. This means...
by RandomPointer
Tue May 01, 2018 6:47 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2674

Re: What Android browser do you use?

Microsoft Edge on iPhone, Android, and my desktop pc.
by RandomPointer
Tue May 01, 2018 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Why was my CD purchase order got cancelled?
Replies: 6
Views: 1019

Re: Why was my CD purchase order got cancelled?

Thanks. I can sleep tonight. :)

The website should have let me know the reason why.
by RandomPointer
Mon Apr 30, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Why was my CD purchase order got cancelled?
Replies: 6
Views: 1019

Why was my CD purchase order got cancelled?

This is my first time purchasing a CD from Fidelity. I searched for new issues this morning, and I found the one that I am comfortable with, and created an order. This evening, I looked at Fidelity, and it says that my order was verified as cancelled. I don't understand why. I am going to call Fidel...
by RandomPointer
Fri Apr 13, 2018 10:55 am
Forum: Personal Consumer Issues
Topic: Should I insulate my garage?
Replies: 13
Views: 1740

Re: Should I insulate my garage?

Overwhelming 'yes'. I will do it then. @Just frank, I like the idea of having a blower to vent some air outside. Did you vent through the wall, or to the attic, or through the attic? I am also concern that garage insulation will act as a double edge sword. I can imagine in the middle of hot summer I...
by RandomPointer
Fri Apr 13, 2018 1:42 am
Forum: Personal Consumer Issues
Topic: Should I insulate my garage?
Replies: 13
Views: 1740

Should I insulate my garage?

I have an attached unfinished garage. The wall between the living space and the garage is well insulated. I have been considering to finish my garage. I have been researching whether I should insulate my garage or not, and I do not have any idea. My garage is very hot in the middle of Summer, and ve...
by RandomPointer
Sat Apr 07, 2018 11:12 pm
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4464

Re: Is it very hard to learn Spanish?

God help you if you're trying to learn English as a second language. English is my second language. I was struggling with English, until I had a chat with my friend. The problem was that I need to map my English conversation to my own native language. I had a 'base' language. I need to construct En...
by RandomPointer
Sat Apr 07, 2018 6:20 pm
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4464

Re: Is it very hard to learn Spanish?

nisiprius wrote:
Fri Apr 06, 2018 3:40 pm
latitud, nacional, conversación, universidad; febrero, abril, mayo, noviembre; física; abdomen.
Oh cool, I read it as latitute, national, conversation, university, February, April, mayonnaise, November, physics, abdomen.

Oh wait...
by RandomPointer
Tue Feb 27, 2018 10:04 am
Forum: Local Chapters and Bogleheads Community
Topic: Nisiprius at 35,000 posts
Replies: 60
Views: 5138

Re: Nisiprius at 35,000 posts

Another +1. Thanks Nisi.

This link is my goto link when I feel bored, and no subject line at begleheads.org caught my interest. search.php?author=nisiprius
by RandomPointer
Mon Feb 12, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: how did you determine your risk tolerance?
Replies: 138
Views: 8178

Re: how did you determine your risk tolerance?

I maintain my own excel spreadsheet and I know exactly how much money I contribute, and how much have I gain over the years. I have decided that the max amount of risk that I am willing to take is 10% loss of my principal. If the stock market crashes and lost half of its value, and bond value lost a...
by RandomPointer
Fri Jan 26, 2018 12:59 am
Forum: Investing - Help with Personal Investments
Topic: I am adjusting my portfolio, can I get sanity check, please?
Replies: 9
Views: 1083

Re: I am adjusting my portfolio, can I get sanity check, please?

Thanks for the input. I looked at Trinity study update, and I am rethinking my approach. My goal is that I am in the workforce for another 15 years, and be financially independent in ten. Adjusting the safe withdrawal rate to 3.5% adds one year to my target fi date. Changing the expected real return...
by RandomPointer
Thu Jan 25, 2018 12:53 am
Forum: Investing - Help with Personal Investments
Topic: I am adjusting my portfolio, can I get sanity check, please?
Replies: 9
Views: 1083

I am adjusting my portfolio, can I get sanity check, please?

I am using Rick Ferri core four portfolio, 20% bonds. The market has been doing really well for the past seven years, and I am very happy with the progress. Now I have these options, stay 20% bonds, or increase my bond allocation to 30%. Both allocation will allow me to be financially independent ro...
by RandomPointer
Mon Jan 22, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Rent (free at library) or buy books?
Replies: 50
Views: 3290

Re: Rent (free at library) or buy books?

I love eBooks. I mostly borrow, and sometimes I purchase them. I still get physical books, for those that I really like, or books that I use as references, has tons of graphics, tables, books that need flipping back and forth, or books that I would like to give away or loan. How can you leave eBooks...
by RandomPointer
Thu Jan 11, 2018 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Total cost basis in form 8606
Replies: 4
Views: 574

Re: Total cost basis in form 8606

Good point. Reasonable is more accurate.

As long as it is not a mistake, I am okay.

Thanks.
by RandomPointer
Thu Jan 11, 2018 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Total cost basis in form 8606
Replies: 4
Views: 574

Re: Total cost basis in form 8606

My bad, I did not write my original post correctly.

I lost value when the money was still in T-IRA. I converted less than what I originally contributed.
by RandomPointer
Thu Jan 11, 2018 2:19 am
Forum: Investing - Help with Personal Investments
Topic: Total cost basis in form 8606
Replies: 4
Views: 574

Total cost basis in form 8606

I started doing backdoor Roth IRA in 2014. That year I did not expect that I would not be eligible to make Roth IRA contribution. So I did my conversion, and I converted just a little bit less than what I contributed. I invested my money in Roth IRA, and I lost some value. Now, I have $4 cost basis ...
by RandomPointer
Tue Dec 12, 2017 1:57 am
Forum: Investing - Help with Personal Investments
Topic: If you use EE Bonds, what did drive your decision
Replies: 41
Views: 3317

Re: If you use EE Bonds, what did drive your decision

I appreciate all the input. Thank you. :) There has been many threads that I reviewed, and I am well aware about the interest rate risk. It was the liquidity problem that bothered me. There are plenty of information, but I found it beneficial to find the reasons why you choose EE bonds. Reading this...
by RandomPointer
Sat Dec 09, 2017 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: If you use EE Bonds, what did drive your decision
Replies: 41
Views: 3317

If you use EE Bonds, what did drive your decision

I have seen plenty of discussions about EE bonds. I still cannot make my mind up whether I should get EE bonds or not. The guaranteed return is really good, but 20 years is a long time to invest. I am planning to start building an income ladder for retirement. Two only that hold me back is the 20 ye...
by RandomPointer
Sat Dec 09, 2017 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring mutual fund to another
Replies: 3
Views: 299

Transferring mutual fund to another

I have an appreciated mutual fund that I would like to give to another person. My account is with Vanguard. I would like to give part of it. I have never done it, what do I have to do? I did a quick search on Vanguard site, and this forum, I don't see a relevant information. There are a lot of info ...
by RandomPointer
Fri Aug 11, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 3121

Re: Laptop suggestions pls

Consumer reports just changed them to be "not recommended" because so many of them have had problems. https://www.consumerreports.org/laptop-computers/microsoft-surface-laptops-and-tablets-not-recommended-by-consumer-reports/ https://twitter.com/tomwarren/status/895732676551987200 Consumer Reports ...
by RandomPointer
Wed Jul 26, 2017 10:09 am
Forum: Personal Consumer Issues
Topic: online storage for small community - dropbox? other?
Replies: 6
Views: 541

Re: online storage for small community - dropbox? other?

I have been using OneDrive. If you are using MS Office documents, the viewer works. The apps are available on phones.

One thing that I like about OneDrive is that you can share a link with an expiration date.
by RandomPointer
Sun Jul 16, 2017 10:01 pm
Forum: Investing - Theory, News & General
Topic: When to reduce risk?
Replies: 18
Views: 1887

Re: When to reduce risk?

A lot of great replies. Thank you. My expected annual return for my portfolio is 6%. Other than 2011 and 2015, I have been pleased with the return. I started properly investing with index funds in 2013, and I have data for my retirements from 2011. I started investing long before that, but I don't h...
by RandomPointer
Sun Jul 16, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: When to reduce risk?
Replies: 18
Views: 1887

When to reduce risk?

Thanks to this forum, I am almost half-way to my target retirement balance. I am using Core Four portfolio with 20% bond. My goal is to have 40% bond during retirement. One thing that I do not understand is when to reduce risk? Should I start increasing bond allocation when my portfolio reaches cert...
by RandomPointer
Fri Jul 07, 2017 6:51 pm
Forum: Investing - Theory, News & General
Topic: "My Favorite Mutual Fund"
Replies: 11
Views: 2093

Re: "My Favorite Mutual Fund"

I looked at Jim's portfolio, and he has 5% tilt to small cap value, large value, and emerging market.

Is 5% tilt enough to make a difference?
by RandomPointer
Tue May 02, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: Giving a Talk on Personal Finance & Investing - Advice?
Replies: 41
Views: 3672

Re: Giving a Talk on Personal Finance & Investing - Advice?

I did similar talk several times, a lot of people do not know how they are taxed.

At the end, I do not think anyone will remember 10% of what I shared. I made this point, that if they remember one thing, remember that fees matter. Focus on low cost broadly diversified index fund.
by RandomPointer
Mon Feb 20, 2017 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting backdoor Roth IRA with H&R Block
Replies: 21
Views: 2668

Re: Reporting backdoor Roth IRA with H&R Block

portfoliothrowaway wrote:If you have other assets in trad IRA, rollover IRA, etc. from previous jobs or whatnot, does that mean I effectively cannot do a backdoor roth IRA without getting taxed on the amounts from the previous IRAs?
Yup, your IRAs are treated as a one thing, and your conversion is prorated.
by RandomPointer
Mon Feb 20, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting backdoor Roth IRA with H&R Block
Replies: 21
Views: 2668

Re: Reporting backdoor Roth IRA with H&R Block

Just finished mine yesterday and it treated it correctly. As someone notes above, it is confusing. First with the language but secondly in that when you enter the distribution it seems as if it isn't doing it correctly but when you get to the IRA contribution area at the end of that interview area ...
by RandomPointer
Mon Feb 20, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting backdoor Roth IRA with H&R Block
Replies: 21
Views: 2668

Re: Reporting backdoor Roth IRA with H&R Block

8606 line 1-5 is empty. I followed Harry Sit's walkthrough here: https://thefinancebuff.com/how-to-backdoor-roth-hr-block-software.html I repeated the steps over and over again. HRB always treat my conversion as taxable, and I cannot treat my current contribution as non-taxable. In the link that I p...
by RandomPointer
Mon Feb 20, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting backdoor Roth IRA with H&R Block
Replies: 21
Views: 2668

Re: Reporting backdoor Roth IRA with H&R Block

I followed the step by step instruction from thefinancebuff.com to file backdoor roth IRA for HRB. The thing is, $5,500 is treated as distribution, but it is not treated as non-deductible distribution. I pay tax on the 'distribution' of my non-deductible tax contribution. My taxable income increases...
by RandomPointer
Mon Feb 20, 2017 2:22 am
Forum: Personal Finance (Not Investing)
Topic: Reporting backdoor Roth IRA with H&R Block
Replies: 21
Views: 2668

Re: Reporting backdoor Roth IRA with H&R Block

I did everything correctly several times. It seems that there is a bug with the H&R Block software. http://community.hrblock.com/t5/DIY-Products/Nondeductible-IRA-contributions-and-Form-8606/td-p/65392#.WKo_ZIWcG70 I will take a look at it again tomorrow. The worksheet for form 8606 has a checkbox t...
by RandomPointer
Sun Feb 19, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Reporting backdoor Roth IRA with H&R Block
Replies: 21
Views: 2668

Reporting backdoor Roth IRA with H&R Block

I am trying to report backdoor Roth IRAs with H&R Block. I followed Harry Sit's step by step guidance. I am expecting line 15b to be zero. However, it is not zero. I have basis from the previous year 8606 for $6. Line 15b shows $10,994. Form 8606 skips part I, Nondeductible contributions to Traditio...
by RandomPointer
Mon Feb 13, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Trust Services
Replies: 8
Views: 1253

Re: Vanguard Trust Services

I called their number, and I was able to talk directly to the right person. We exchanged emails, and the representative gave me documents, I forwarded the doc to my attorney, and she reviewed the document. They require the will to include some specific trust provision. We have a will with Vanguard a...
by RandomPointer
Tue Jan 24, 2017 2:01 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard as trustee
Replies: 37
Views: 6191

Re: Vanguard as trustee

Talzara, thanks for the Schwab fee schedule. From my discussion with Vanguard, I was told that they require Vanguard to be the asset manager. I cannot pick a fund like balanced index fund, but I have to use their service. That requires management fee, and administration fee. They charge 0.55% below ...
by RandomPointer
Mon Jan 23, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as trustee
Replies: 37
Views: 6191

Re: Vanguard as trustee

Thanks for the links to the brochures. I talked to the Fidelity rep today, and he said that there is no fee. Apparently that is incorrect. This is what I see from Schwab. http://www.schwab.com/public/schwab/investing/pricing_services/fees_minimums I have an attorney drafted the will, and it has a ge...
by RandomPointer
Mon Jan 23, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as trustee
Replies: 37
Views: 6191

Re: Vanguard as trustee

I called Vanguard and received documentations for the trust service. They have fees on top of the mutual funds fees. I also compared them with Fidelity and Schwab. Both Fidelity and Schwab do not have fees on top of the ETF/Funds.

I am having a second thoughts about using Vanguard here. Any thoughts?
by RandomPointer
Mon Jan 16, 2017 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as trustee
Replies: 37
Views: 6191

Re: Vanguard as trustee

You should put the terms of the trust in your will. Direct the PR to transfer your estate to your Trustee. Instruct the Trustee to either keep the funds the way received ( your Apple stock or your home, if appropriate for example), or if converted to cash, to invest the proceeds within the Vanguard...
by RandomPointer
Mon Jan 16, 2017 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as trustee
Replies: 37
Views: 6191

Vanguard as trustee

First, my apology if I use the terms incorrectly, I am not that great with legal terms. We are drafting a will, and I would like the personal representative to setup a trust to keep our saving until our daughter is ready. I am thinking to put a binding instruction for my personal representative to s...
by RandomPointer
Fri Dec 02, 2016 7:49 pm
Forum: Personal Consumer Issues
Topic: Anyone use a tankless hot water heater???
Replies: 26
Views: 4026

Re: Anyone use a tankless hot water heater???

Like others have said, look at the flow rate. It may not have the capacity that you want.
by RandomPointer
Fri Dec 02, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting with intermediate term bond fund
Replies: 2
Views: 576

Re: Tax loss harvesting with intermediate term bond fund

Yes, my intention is to exchange back to VBIIX after 30 days. My option 2 adds an additional complexity.

Using VBISX looks a decent compromise. The correlation is less than what I want, but it is a decent option.
by RandomPointer
Fri Dec 02, 2016 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting with intermediate term bond fund
Replies: 2
Views: 576

Tax loss harvesting with intermediate term bond fund

I own VBIIX (intermediate term bond fund) in taxable, and I have an opportunity to harvest some loss. I would like to get some feedback on a decent tax loss harvesting partner for this fund. I am unable to find a bond fund that has a close correlation with this fund. If there is any suggestion, I wo...
by RandomPointer
Wed Nov 16, 2016 2:30 am
Forum: Investing - Theory, News & General
Topic: TLH on long term loss?
Replies: 4
Views: 591

Re: TLH on long term loss?

I do have short term gains due to company stock sale every year. If I understand correctly, that means if I have 0 long term gain, and a $5k long term loss, I can use that loss to offset the short term gain, and ordinary income.

Thanks!
by RandomPointer
Tue Nov 15, 2016 11:47 pm
Forum: Investing - Theory, News & General
Topic: TLH on long term loss?
Replies: 4
Views: 591

TLH on long term loss?

Thanks to this forum, I learned how to harvest tax loss. I harvested short term tax loss last year, and I understand the benefit. Now, I have few long term positions, and I may be able to harvest some loss. I do not fully understand the benefit. Is there any? or there is but limited? My understandin...
by RandomPointer
Fri Oct 21, 2016 1:36 am
Forum: Personal Consumer Issues
Topic: Visiting Washington, DC
Replies: 27
Views: 2815

Re: Visiting Washington, DC

Thank you so much for all the input. We had a blast. Unfortunately we could not see the monument at night due to our schedule.

We had to rearrange our schedule and we had only three days in DC. This will be a place to visit again in the future. The mosquitoes there were unbelievable. :annoyed
by RandomPointer
Thu Oct 13, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Edward Jones to Vanguard (I know, right?)
Replies: 22
Views: 3458

Re: Moving from Edward Jones to Vanguard (I know, right?)

One advice, don't bother calling your advisor. You can call Vanguard and they will move the money for you. Calling your advisor may cause you trouble. You are stressed enough, talking to them may add more stresses. If you liquidate the funds, probably there will be charges for each one of them. Pay ...
by RandomPointer
Wed Aug 10, 2016 5:00 pm
Forum: Personal Consumer Issues
Topic: Visiting Washington, DC
Replies: 27
Views: 2815

Re: Visiting Washington, DC

What sorts of things are you interested? What types of food do you like? IIRC there was a fairly recent thread on visiting DC so don't overlook it as a resource. History, anything that is unique in DC that we cannot see anywhere else, something delightful for a toddler. We are not picky eater, as l...