Search found 22 matches

by SumOfDivs
Fri Sep 30, 2016 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Calling all Teachers!
Replies: 33
Views: 2693

Re: Calling all Teachers!

You will have better luck getting a job without spending time and money on credentialing if you move out of Cali. TNTP offers programs in many locations for the uncertified. Check out: http://tntpteachingfellows.org/ You can also check out teach for america, which may even have opportunities in Cali...
by SumOfDivs
Fri Sep 30, 2016 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: VOO or VFINX? [ETF vs Investor fund shares]
Replies: 2
Views: 300

Re: VOO or VFINX? [ETF vs Investor fund shares]

I prefer VOO because you can buy and sell with limit orders.
by SumOfDivs
Fri Sep 30, 2016 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: Calling all Teachers!
Replies: 33
Views: 2693

Re: Calling all Teachers!

I think you will have to go through a credentialing program at a CSU school if you want to stay in california. You have to take the CBEST and CSET( math or science tests if you did not have that undergraduate major). I joined the NYC teaching fellows. I teach Chemistry in the bronx and I decided to ...
by SumOfDivs
Sat Sep 24, 2016 9:59 am
Forum: Investing - Theory, News & General
Topic: Harvard Endowment Losses Tied to Value Stocks
Replies: 57
Views: 5309

Re: Harvard Endowment Losses Tied to Value Stocks

Many well regarded value funds have trailed the S&P 500 by a large percentage during the past 10 years. I have read many comments on this board about Buffett's 90% S&P 500 recommendation. Having read the Intelligent Investor with the Superinvestors from Graham and Doddsville essay, I am wond...
by SumOfDivs
Fri Sep 02, 2016 8:18 pm
Forum: Personal Consumer Issues
Topic: Which city to start early retirement?
Replies: 128
Views: 12297

Re: Which city to start early retirement?

I plan to retire to sun city summerlan when I am 55.
by SumOfDivs
Thu Sep 01, 2016 11:36 pm
Forum: Personal Consumer Issues
Topic: 2008 Honda Accord with only 10K miles. Any major service needed?
Replies: 56
Views: 5482

Re: 2008 Honda Accord with only 10K miles. Any major service needed?

I have a 2009 Honda CRV with 123k miles on it. Since your car is a 2008, I would do the following: 1)Synthetic Oil Change (I use mobil 1, and change oil every 10k miles or a year) 2)Change Transmission Fluid 3)Change Brake Fluid 4)Change Coolant 5)Change Spark Plugs 6)Change air filter and cabin air...
by SumOfDivs
Thu Sep 01, 2016 12:08 am
Forum: Investing - Theory, News & General
Topic: Happy 40th Birthday to "Bogle's Folly" AND THANK YOU, JACK!
Replies: 19
Views: 873

Re: Happy 40th Birthday to "Bogle's Folly" AND THANK YOU, JACK!

The growth of the national debt has outpaced the S&P 500 since 1976 without dividend reinvested. The S&P 500 is up from around 107 in 1976 to 2170, and the national debt is up from around 620 Billion in 1976 to 19.2 trillion.
by SumOfDivs
Mon Aug 29, 2016 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: $50M+ - Need a sounding board/advice
Replies: 205
Views: 23082

Re: $50M+ - Need a sounding board/advice

I would put 90% in the S&P 500 with VOO and/or real estate(at least half of this would be in VOO). I would put the remaining 10% in cash, munis, vanguard bond funds, and/or gold coins.

Good Luck!
by SumOfDivs
Mon Aug 29, 2016 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: The Richest Man in Babylon
Replies: 29
Views: 5534

Re: The Richest Man in Babylon

I love the book. :moneybag
by SumOfDivs
Fri Feb 07, 2014 10:03 am
Forum: Investing - Theory, News & General
Topic: Met a guy at an HFT firm - keeps all his money in cash!?
Replies: 26
Views: 3090

Re: Met a guy at an HFT firm - keeps all his money in cash!?

Buy and Hold is not the only strategy that works in the financial markets, although I suspect it is extremely difficult to beat in the the long run. In the letters to Berkshire Hathaway shareholders Mr. Buffett wrote that they had sold puts on indexes to get the put premiums. If one were to employ s...
by SumOfDivs
Fri Jan 31, 2014 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: 25% Amica Homeowners Premium Increase
Replies: 28
Views: 5140

Re: 25% Amica Homeowners Premium Increase

I have USAA. My premiums have gone up around 20% every year for the past 5 years. I have never made any claims. I always call and complain asking how they could raise my rates so much when replacement housing was getting cheaper (in 2009). I was told that building materials had gone up in during the...
by SumOfDivs
Fri Jan 24, 2014 9:07 pm
Forum: Investing - Theory, News & General
Topic: If trading is a losing game, how do you explain prop firms?
Replies: 38
Views: 3648

Re: If trading is a losing game, how do you explain prop fir

Why should we assume that banks are run by smart people who know what they are doing? Why was Wachovia on the verge of collapse? Why did WaMu fail? If I were to say that the majority of businesses fail over the long run, would that mean no one should be in business?
by SumOfDivs
Thu Jan 23, 2014 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: POLL: Pay down 3.5% mortgage or invest in taxable?
Replies: 89
Views: 10406

Re: POLL: Pay down 3.5% mortgage or invest in taxable?

If you had a 100k to invest or pay off the house, and you decide to invest it and subsequently your portfolio goes down 50 to 90% I think you would regret your decision. This is unlikely, but bond yields and stock dividend yields are very low and projecting low returns in TBM and TSM makes sense.
by SumOfDivs
Thu Jan 23, 2014 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: POLL: Pay down 3.5% mortgage or invest in taxable?
Replies: 89
Views: 10406

Re: POLL: Pay down 3.5% mortgage or invest in taxable?

I would pay off the house. My wife and I are in our mid 30's and we did. It feels great not having a mortgage. Now we have more money to invest, and we can truly say we're debt free! Plus 3.5% is a pretty high rate when you factor in that the TBM is only paying around 2% right?
by SumOfDivs
Mon Aug 12, 2013 8:19 am
Forum: Personal Consumer Issues
Topic: New car tires - very shaky above 60 mph
Replies: 8
Views: 1438

Re: New car tires - very shaky above 60 mph

The tire dealer probably neglected to balance the tires. If that is the case just take it back to them and ask them to balance the tires. However, I would first check that all the lug nuts on your wheels were tightened back up.
by SumOfDivs
Fri Jul 12, 2013 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: How do you find the right mortgage lender??
Replies: 6
Views: 1374

Re: How do you find the right mortgage lender??

I found my last mortgage lender(Dave Pressel) from: http://www.fatwallet.com/forums/finance/788032/ . I would highly recommend Dave Pressel, and the fatwallet thread. I refinanced with him and he got me a true no cost refi. I paid a slightly higher rate(maybe .25%) but I came out ahead since I paid ...
by SumOfDivs
Tue Jul 09, 2013 10:02 am
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 167
Views: 21592

Re: How to get over finance envy

My wife and I are in your age and income group and we also live in a HCOL(suburban Washington). We received no inheritance. We also max 457, 401k, and Roth accounts. When we were shopping for our house, I remembered what the author of the Millionaire Next Door advised: if you ever want to become wea...
by SumOfDivs
Tue Jul 02, 2013 5:32 am
Forum: Investing - Theory, News & General
Topic: Emergency fund contradiction
Replies: 44
Views: 3767

Re: Emergency fund contradiction

Stocks are volatile and sometimes they are cheap and sometimes they are expensive based on price to book or p/e or dividend yield. Due to their volatile nature, you want to have the liquidity to avoid selling when others are desperately trying to raise cash by selling stocks. It is a good idea to dc...
by SumOfDivs
Mon Jul 01, 2013 6:14 pm
Forum: Investing - Theory, News & General
Topic: Historical Earnings and Dividends Data for Various Indexes
Replies: 2
Views: 908

Re: Historical Earnings and Dividends Data for Various Index

Hi Paul. Thank you for your reply. I have been invested in VINIX 100% in my 457. It is the lowest cost option in my 457 plan. I have abour 262k in it now. Looking at the dividend numbers I think this gives me about 5k in dividend income per year. I am currently 37 years old, and I will be able to re...
by SumOfDivs
Mon Jul 01, 2013 10:53 am
Forum: Personal Consumer Issues
Topic: Safety schools for a Physics/Math kid
Replies: 264
Views: 24175

Re: Safety schools for a Physics/Math kid

I graduated from SUNY stony with a BS in comp sci, summa cum laude. I liked the school, and the campus. What I liked best about the school was the cheap tuition for instate. It was only 3k per year around the year 2000. I would recommend it for a NY state resident who did not make it to an ivy leagu...
by SumOfDivs
Thu Jun 27, 2013 4:37 pm
Forum: Investing - Theory, News & General
Topic: Historical Earnings and Dividends Data for Various Indexes
Replies: 2
Views: 908

Historical Earnings and Dividends Data for Various Indexes

The historical data for S&P earnings and dividends can be found at: http://people.stern.nyu.edu/ADAMODAR/New_Home_Page/datafile/spearn.htm . Does anyone know where I can find this type of data for other indexes? I understand that some of the indexes may not have been around this long, but how ab...
by SumOfDivs
Thu Jun 27, 2013 8:13 am
Forum: Investing - Help with Personal Investments
Topic: Audio Books on Investing, Retirement?
Replies: 2
Views: 505

Re: Audio Books on Investing, Retirement?

I recently purchased the following two audio books(in CD format) for my long commute home: 1) The Four Pillars of Investing: Lessons for Building a Winning Portfolio 2) The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns I was also trying to p...

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