Search found 615 matches

by anil686
Sun Jun 25, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 13012

Re: Sam's Club vs. Costco

I have memberships to both - and agree with much of the above. I probably would not drive the 90 minutes to Costco but the quality is superior to Sam's IMO. However, Sam's has quality meat on par with a good grocery store (in house butchers as well). Good deals on similar brand name products and qui...
by anil686
Thu Jun 08, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 6903

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

3 comments to your post a). Yes - I feel I missed out. They did not seem risky sounds like hindsight bias to me. TSLA always looked like their valuation was stretched from the get go. It really underplays TSLA's volatility during it's rise. Amazon is probably the easy one to say it did not feel risk...
by anil686
Fri May 26, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 2915

Re: New car doc fees

There is (was) a cost to do the paperwork. I have no doubt there is work in doing that - but the reason the doc fee is capped is to not make it egregious. The max doc fee a state allows would probably be based (IMO) for a very small dealer (perhaps used) that has very few employees and little comput...
by anil686
Fri May 19, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Information Technology - VGT or VITAX
Replies: 50
Views: 3298

Re: Vanguard Information Technology - VGT or VITAX

Also thought of an IT tilt but thought the addition of Amazon and Tesla would be good too - question for the OP - why not VG growth index - it pretty much copies the IT index minus Microsoft but adds Amazon - of course you also get Disney and down the list Tesla?
by anil686
Thu May 11, 2017 9:37 pm
Forum: Investing - Theory, News & General
Topic: Muni risks other than interest rates
Replies: 7
Views: 1114

Re: Muni risks other than interest rates

Timely post - this guest with Barry Ritholtz goes through some risks like default risk and issues with tax rates and their effects or potential effects on the muni bond market. The guest is a municipal bond manager at JP Morgan. Note - there is a fair amount of political speculation that goes along ...
by anil686
Wed May 10, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 3124

Re: Sunscreen for men in office environment

I use the neutragena as well - it is not the sunscreen - it is the moisturizer. It is not greasy and dries fast. Has no smell and so works with the aftershave I use.
by anil686
Wed May 10, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Performance chasing... vs staying the course
Replies: 9
Views: 910

Performance chasing... vs staying the course

I contribute monthly to my taxable account and have been for a while - TSM and TISM per my IPS. However, I have began to wonder why I don't allocate more to tech heavy growth index fund. I rationalize this as less dividends/more tax efficient. But the bottom line is I think I am performance chasing....
by anil686
Sun May 07, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: Are indexed funds overblown?
Replies: 89
Views: 7063

Re: Are indexed funds overblown?

for those interested in the answer to how much indexing is too much - please listen to the podcast with Barry Ritholz and Andrew Lo - they discuss this. According to Lo, more than 92% would have to index to be too much. In addition, he had some interesting ideas that it would be more beneficial for ...
by anil686
Thu May 04, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: Any argument for NOT using total market/bond funds in taxable account?
Replies: 23
Views: 1690

Re: Any argument for NOT using total market/bond funds in taxable account?

This is an argument presented from the side of segmenting into various style-specific funds: “we know that it works. Style investing helps to diffuse (but not eliminate) risk. Scads of data show that...style investing allows you to take advantage of years of other data that indicate you can goose r...
by anil686
Thu May 04, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Pension vs 401k
Replies: 33
Views: 2521

Re: Pension vs 401k

There was a Masters in Business podcast (the last one I think) - you can find them on iTunes with Barry Ritholtz (spelling) where he had Meir Statman - a professor in behavioral economics. They discussed pensions versus 401Ks and Statman said that companies typically contributed 8% of an employee's ...
by anil686
Thu May 04, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 19352

Re: Buying a luxury car (how dumb would it be to do this?)

I would go ahead and get would I would like in your position. Just from experience, I would look for a really good local mechanic that works on a BMW to help with maintenance and repairs. One thing I dislike about BMW is the maintenance "free" thing - they include routine maintenance but o...
by anil686
Tue May 02, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Minimalist May
Replies: 21
Views: 2201

Re: Minimalist May

Walking with my dog is always near the top of my list (I do buy frisbees every few years to replace the worn out ones so I left dog frisbee off the list). I really enjoy reading e-books from the library - our library now has a large selection. Napping is also one of my favorite hobbies - can't ever ...
by anil686
Sun Apr 30, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Buying couches the Boglehead way
Replies: 36
Views: 4526

Re: Buying couches the Boglehead way

Have one of both from the companies listed in the above posts - have one from Costco that is great five years in - holding up well, all leather and is very comfortable. In fact, there was a defect in one of the cushions with a hole and Costco sent a third party vendor over to the house to sew it up ...
by anil686
Sun Apr 30, 2017 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Can you take these Core funds and Create a Three Fund Portfolio?
Replies: 29
Views: 2970

Re: Can you take these Core funds and Create a Three Fund Portfolio?

The TR trust funds are really cheap - it would be an easy way to keep your taxable account in equities and change your bond allocation easily by switching the TR fund choices. Better yet, if you only want 25% international - only invest in TSM in the taxable account since 40% of the TR fund equities...
by anil686
Sun Apr 30, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: Another "Why Bonds?" / Buffett 90/10 thread..
Replies: 66
Views: 8289

Re: Another "Why Bonds?" / Buffett 90/10 thread..

Thanks for posting this - I think about this a lot. I think it depends a lot more on your expenses and savings rate than it does an actual AA IMO. If your SWR would be under 3% - it probably seems to work well and probably really well with a SWR under 2%. If your SWR is higher - I think it is harder...
by anil686
Sat Apr 29, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account question. PRBLX POGRX
Replies: 2
Views: 369

Re: Taxable account question. PRBLX POGRX

Question for a taxable account. I have 80% of my taxable account money in PRBLX. How efficient is this fund for a taxable account? I know its not as efficient as an index fund but i love the funds objective to not lose money. It appears to be more efficient than alot of managed funds. I have the ad...
by anil686
Sat Apr 29, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Help Choosing Company 401k Fund Menu
Replies: 16
Views: 632

Re: Help Choosing Company 401k Fund Menu

Heh. Can you recommend such a fund? One that pays anywhere near a discernible return, that is... :twisted: Sorry, I cannot nor would I want to use one. But a 401(k) plan needs options for people not like me. :) Livesoft is right - you should talk to the advisor about a SV fund. Our plan has it - I ...
by anil686
Fri Apr 28, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 28
Views: 2551

Re: water softener for whole house?

I had a Fleck for five years in Indiana with well water which was very hard. I researched it well back in 2005 and chose that since it seemed to be used by a variety of businesses - especially resorts and hotels with a great reputation. Bought it online from a retailer and had a local plumber versed...
by anil686
Fri Apr 28, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: My Small Business 401k
Replies: 5
Views: 426

Re: My Small Business 401k

You should probably have a fidicuiary - if you switch to Vanguard/Ascensus - you can ask them for a list of advisors they work with in the area. I did this for our VG small business plan we switched to from an LPL small business 401K four years ago. VG listed 8 advisors in the area they worked with ...
by anil686
Thu Apr 27, 2017 7:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 6051

Re: Vanguard New Lower ER .04%

I logged in on the app and VTSAX was still 0.05% for the ER under the fund profile - maybe the app will take longer to change?
by anil686
Wed Apr 26, 2017 8:41 pm
Forum: Personal Consumer Issues
Topic: How to find a good local mechanic?
Replies: 19
Views: 1083

Re: How to find a good local mechanic?

... have a AAA membership and have thought about looking at their approved mechanic list .... Be careful with AAA. Don't know about Texas but around here AAA-Mid-Atlantic has really gone downhill. For years the designated AAA Road service garage was an actual honest and competent local garage. But,...
by anil686
Wed Apr 26, 2017 6:49 pm
Forum: Personal Consumer Issues
Topic: How to find a good local mechanic?
Replies: 19
Views: 1083

Re: How to find a good local mechanic?

Thanks for the advice! Appreciated
by anil686
Wed Apr 26, 2017 6:13 pm
Forum: Personal Consumer Issues
Topic: How to find a good local mechanic?
Replies: 19
Views: 1083

How to find a good local mechanic?

Where I live, many people are using their dealer for service. I am tired of suggested repairs outside of the maintenance schedule and so typically decline them but between waiting for a long time, having the sales pressure to do something and then the nagging feeling that I may be irrationally decli...
by anil686
Mon Apr 24, 2017 11:14 am
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 13087

Re: Will cars be autonomous in three years?

Tesla already says theirs are at least semi- autonomous but limited by jurisdiction of what is allowed. Ford promises an autonomous car by 2021 - that should give you a good guidepost - it will be when at least 50% of the car manufacturers (IMO) get there to be enough industry push for it. That is p...
by anil686
Sun Apr 23, 2017 8:03 pm
Forum: Personal Consumer Issues
Topic: Orlando Disneyland advice
Replies: 21
Views: 1812

Re: Orlando Disneyland advice

Been many times and typically go once per year - to start with your questions: 1) standard ticket is one park per day - park hopper allows you to go in between parks. 2) typically a whole day at Magic kingdom with kids your age since there a lot of shows/parades/rides for all ages. it is a long day ...
by anil686
Sun Apr 23, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 21059

Re: Any regrets living a frugal life for high income/high networth individuals?

Yes - 1) Waiting too long to remodel a house. Thus, right before we sell the house, we add paint or get a new appliance to replace one that is not working well and wish we would have done that sooner so we would have enjoyed it. That comes because my spouse and I don't like spending money and can &q...
by anil686
Sun Apr 23, 2017 6:36 am
Forum: Personal Finance (Not Investing)
Topic: A Little History [from old bank statements]
Replies: 15
Views: 1966

Re: A Little History

Howdy Point taken. However, 5 year CD s now are running 2.5%. :D Paying off that mortgage is still a pretty reasonable idea. W B My point is that the current rate is not the only one to consider. What will the rates be 5 years from now, or 10 years? We don't know the answer to that. However, from a...
by anil686
Sat Apr 22, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: Index investing question
Replies: 22
Views: 1789

Re: Index investing question

So as you can see, about 1/12 of equity assets are indexed. I think this figure is off. Vanguard funds alone own close to 1/12 of AAPL. They're not quite there yet, but at the pace Vanguard is gathering assets currently, they'll be there in a couple of years. this data is from 2014 - the most recen...
by anil686
Fri Apr 21, 2017 11:29 pm
Forum: Investing - Help with Personal Investments
Topic: Is this the right Fund for Metals?
Replies: 7
Views: 1044

Re: Is this the right Fund for Metals?

Hi, Im relatively new to investing and recently decided to add precious metals to my portfolio, I was wondering if this is the right fund to go into (VGPMX). Also, if I wanted to get into gold, what is the best way to do it on Vanguard? Thanks Leo Vanguard Precious Metals and Expense Fund (VGPMX) i...
by anil686
Fri Apr 21, 2017 10:36 pm
Forum: Investing - Theory, News & General
Topic: Index investing question
Replies: 22
Views: 1789

Re: Index investing question

You should really google bogleheads what if everybody indexed - that will let you know everything you need. Suffice it to say - even with the "trend" to index that you point out - about 1/3 of mutual fund assets are indexed (and to different indices) - and mutual funds make up 1/4 of equit...
by anil686
Thu Apr 20, 2017 9:03 pm
Forum: Personal Consumer Issues
Topic: Should I purchase Apple Care for my new Apple Watch?
Replies: 25
Views: 2130

Re: Should I purchase Apple Care for my new Apple Watch?

My spouse dropped one on the face on hardwood and it shattered - we had apple care - cost was $69 plus tax to fix. After 3 mos - there is warranty. Credit card doubles the warranty - six months. Again you decide. I have a 2.5 year old original watch - going strong - has not broken - wasted apple car...
by anil686
Sun Apr 16, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: New phone..any advantages to buying at Costco?
Replies: 24
Views: 4370

Re: New phone..any advantages to buying at Costco?

Shop Discover has Apple as a 5% cash back retailer - I normally order my phone through Apple since the price is fixed and save the 5% - ships to your house as well...
by anil686
Sun Apr 16, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: International Portfolio Tilt
Replies: 18
Views: 2117

Re: International Portfolio Tilt

I agree with the OP's thinking to a point. One of the issues, though, with valuations for a US investor in an international index is that it is done in home currency. To some extent, this a currency play on the strong US dollar. For example, the MSCI ex-USA index in 2015 in home currency showed a po...
by anil686
Sun Apr 16, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Is it necessary to diversify across Factors?
Replies: 123
Views: 7529

Re: Is it necessary to diversify across Factors?

Recently performance for the S&P indexes for the prior 10 year period was : 7% - 500 9% - mid-cap 9% - small-cap So the smaller funds appear to be efficient at various times in the business cycle. There are good companies in the smaller cap funds. Bogle's 5 fund portfolio invested in them. What...
by anil686
Sat Apr 15, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: Anyone else decided not to finish med school?
Replies: 55
Views: 6595

Re: Anyone else decided not to finish med school?

We have some friends whose son went to medical school. He finished the first year, and started into the second year when he decided to not pursue it anymore, for a few reasons (among them amount of debt needed to finish, and the impact to time with spouse, realizing that he won't make tons of money...
by anil686
Sat Apr 15, 2017 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 6779

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

Part II One thing I want to say that I met with 4 people that manage their own funds. These are people close enough that they invited me to their house and 3 out of 4 actually logged into their accounts and showed me exactly what they have. Talk about complexity! They do have the popular instrument...
by anil686
Wed Apr 12, 2017 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: ~20 year long investing
Replies: 17
Views: 1538

Re: ~20 year long investing

What you are missing with your assumptions is using CAGR from past returns going forward. Valuations are very different now than they were in the early 1970s and the 1980s. Nobody knows what the returns will be for an asset class over the next 20 years per se - but I have not seen any projections as...
by anil686
Fri Apr 07, 2017 10:40 pm
Forum: Investing - Theory, News & General
Topic: Do Index Funds Drive Apple Up?
Replies: 27
Views: 2642

Re: Do Index Funds Drive Apple Up?

Possibly - but Mr. Bogle makes an argument it does not. He describes the situation in 1999 with respect to Microsoft - then one of the largest holdings in the index in Common Sense on Mutual Funds. It is not index funds that drive Microsoft up - it is actively managed mutual funds. His explanation w...
by anil686
Sun Apr 02, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: Since robots are cheaper than humans expect smart beta to beat the indices
Replies: 11
Views: 1797

Re: Since robots are cheaper than humans expect smart beta to beat the indices

What seems to make sense in theory does not always hold true in practice. Schwab's fundamental index mutual funds seem to have very similar returns over a 10 year period to Vanguard's cap weighted counterparts. maybe that is because growth has done better than value during the fundamental index fund...
by anil686
Sun Apr 02, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: Why Buffet likes S&P 500 Index over a TSM Index Fund?
Replies: 51
Views: 6579

Re: Why Buffet likes S&P 500 Index over a TSM Index Fund?

Nobody knows... I will say that this board way overestimates the common person's interest in investing (I do the same). I was at a get together a few weeks ago and the subject of investing came up via a person referring to their adviser. Another person mentioned the SP500 - literally a few people (w...
by anil686
Mon Mar 27, 2017 9:52 am
Forum: Investing - Theory, News & General
Topic: Spring 2017: Russell 1000 Value vs. Russell 1000 Growth
Replies: 16
Views: 1048

Re: Spring 2017: Russell 1000 Value vs. Russell 1000 Growth

Are you currently adding to the Russell Growth index (i.e. DCA) or just a lump sum that has been sitting there? If it is just a lump sum - Value has shown to do better than growth over a longer horizon. However, if you DCA it probably does not matter much. For example, from 1998 to now - Large Cap g...
by anil686
Sun Mar 26, 2017 11:07 am
Forum: Investing - Theory, News & General
Topic: S&P Index Funds at Vanguard
Replies: 8
Views: 1349

Re: S&P Index Funds at Vanguard

I dont disagree with your criticisms of S&P, but the holdings are true small cap, rather than holding a blend of mid/small cap. I like DFA and that would be my #1 choice, especially for small cap value, but for those without access, the S&P 600 Index is a more pure small cap fund, but I do ...
by anil686
Sat Mar 25, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Are Bogleheads in the minority on the use of investment advisors?
Replies: 86
Views: 5780

Re: Are Bogleheads in the minority on the use of investment advisors?

Also just returned from a trip seeing my sister who also use a financial advisor. I think Bogleheads are not necessarily in the minority - but I think more people would use them if they had investment needs outside of a 401K. My sister and her husband both have high incomes and can save outside of r...
by anil686
Thu Mar 23, 2017 5:22 pm
Forum: Investing - Theory, News & General
Topic: Justification for Adding REITs
Replies: 77
Views: 6879

Re: Justification for Adding REITs

Rick Ferri wrote in All About Asset Allocation 2nd edition that most real estate is privately held - not publicly held by corporations. Thus real estate makes up a disproportionate share of the economy than what it is represented in TSM. I think (and it has been a few years since I read it) that it ...
by anil686
Thu Mar 16, 2017 2:25 am
Forum: Investing - Theory, News & General
Topic: Vang Tot Stock Mkt Index Composition
Replies: 17
Views: 1878

Re: Vang Tot Stock Mkt Index Composition

:sharebeer If it is easy to get the ETF but there is substantial friction to getting the mutual fund, then you probably just want to go with the ETF. On the other hand, years into the future it will hopefully have too much embedded gain to be moved easily (although an in-kind transfer would still li...
by anil686
Fri Mar 10, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: HSA (Tax + Penalty) vs Taxable? HSA always wins?
Replies: 13
Views: 1503

Re: HSA (Tax + Penalty) vs Taxable? HSA always wins?

Are you including the tax drag of a taxable account? Good question. I always think tax drag for TSM is fairly negligible since it is normally 90% + QDI and with opportunities for TLH - it comes out in the wash - JMO. Of course for tax inefficient investments or actively managed funds - it can be mu...
by anil686
Fri Mar 10, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Investing when market is peaking
Replies: 49
Views: 5915

Re: Investing when market is peaking

Would this same advice (lump in now) be the best course for someone with a similar investment horizon, but much larger lump sum, say in the ~300k range? Does the value invested matter at all - is there a point on the curve in which DCA will likely be significantly better than lumping due to the raw...
by anil686
Thu Mar 09, 2017 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: rachio smart sprinkler controller
Replies: 6
Views: 609

Re: rachio smart sprinkler controller

I have one and like it. I don't know about saving a lot of water - depends on where you live and how much rain you get. The more rain - the more it will save as it uses the internet to determine weather and whether to run the sprinklers on that day. You can add an optional rain sensor that makes it ...
by anil686
Wed Mar 08, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Portfolio Help- 31 y/o 1st time poster
Replies: 12
Views: 960

Re: Investment Portfolio Help- 31 y/o 1st time poster

I would put it all in a target date fund and forget about it. I know that sounds pretty basic but I think it holds some signficant advantages behaviorally compared to the three fund (which I use in a taxable account but not in my 401K/IRA which are in TR funds or LS funds). 1. While slightly higher ...
by anil686
Wed Mar 08, 2017 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab index funds VS. Vanguard
Replies: 16
Views: 2895

Re: Schawb index funds VS. Vanguard

Lately I've been seeing a lot of Schawb commercials claiming that their index funds are considerably lower cost then the Vanguard comparable funds. Interested in the forums view on this. Considerably? Really? Well that's the truthfulness of advertising I guess. Maybe they are looking at investor sh...

Go to advanced search