Search found 2366 matches

by aristotelian
Tue Aug 22, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total Corporate Bond ETF
Replies: 15
Views: 1169

Re: "more than 371 funds?"

Bogleheads: According to the Announcement: The firm, headquartered in Valley Forge, Pennsylvania, offers more than 371 funds . Can anyone explain why Vanguard offers so many funds? Best wishes Taylor It is starting to seem like overkill, but one of their comparative advantages over Schwab, for exam...
by aristotelian
Tue Aug 22, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Am I okay with my Vanguard Selections (after 2 years) & New 403B
Replies: 6
Views: 292

Re: Am I okay with my Vanguard Selections (after 2 years) & New 403B

Here are few variable to your valuable input Our expenses are low and modest Wife plans to work at least 65 or later(as she can in her field). I am not retired, just had to take care of things that mattered more than a paycheck. I am looking for work and hope to start at $50K-$70K entry level (chan...
by aristotelian
Tue Aug 22, 2017 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Am I okay with my Vanguard Selections (after 2 years) & New 403B
Replies: 6
Views: 292

Re: Am I okay with my Vanguard Selections (after 2 years) & New 403B

Consider changing your IRA from International Stock to Total Bond Market Index. That would get your Bond allocation up to about 29%. In my opinion, that would be a prudent move at Age 50. Increase the international stock in your Rollover IRA to compensate. Bigger question for you is savings rate and...
by aristotelian
Tue Aug 22, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Landlord - collections
Replies: 13
Views: 941

Re: Landlord - collections

Seems like too much trouble to go through, both for yourself and the tenant, to pursue the "nuclear option" of collections. It is not like she is seriously delinquent. One solution to the problem in the future would be to make sure the security deposit is a reasonable amount more than the rent unles...
by aristotelian
Tue Aug 22, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: 29 Years Old: Am I Too Conservative
Replies: 15
Views: 1082

Re: 29 Years Old: Am I Too Conservative

+1, if you do not have the need or willingness to take more risk than you are, your allocation is perfectly defensible. It appears you are high income and frugal. You are fine.
by aristotelian
Tue Aug 22, 2017 12:06 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 18
Views: 922

Re: Why do we consider cash flow from rentals but not our own homes?

Isn't this a fancy way of saying that "renting is throwing money away"? I would say OP is in a somewhat rare situation where the monthly payment is lower than market rates for rental. At least in my renting days, that was not the case at all. If that was the norm, pretty much everyone with decent cr...
by aristotelian
Tue Aug 22, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Amazed by Vanguard Wellington's Performance
Replies: 25
Views: 2541

Re: Amazed by Vanguard Wellington's Performance

A lot of people on this board also love PRIMECAP. Of course, you never know when any of these funds may stop outperforming. For years I had T Rowe Price Mid Cap Value (TRMCX) which did quite well for me, and won the Morningstar manager of the year award last year. I luckily decided to cash in my chi...
by aristotelian
Tue Aug 22, 2017 9:07 am
Forum: Personal Finance (Not Investing)
Topic: When have you achieved financial independence?
Replies: 9
Views: 1221

Re: When have you achieved financial independence?

You can always roll over the 401k to Traditional IRA, then do a Roth conversion ladder. So, 401k funds absolutely count toward FI.
by aristotelian
Tue Aug 22, 2017 9:04 am
Forum: Investing - Theory, News & General
Topic: Putting 1% AUM Fee in Perspective with SWR
Replies: 11
Views: 1126

Re: Putting 1% AUM Fee in Perspective with SWR

Aren't you preaching to the choir here? I would highly doubt many (any?) Bhs pay a 1% AUM fee. Or likely any fee, except, possibly, a flat fee for financial or estate planning. Not disagreeing with your statement, of course, but we all know high fees are verboten. Absolutely. Just wanted to put it ...
by aristotelian
Tue Aug 22, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 46
Views: 2707

Re: School Redistricting - What should we do?

Deep breath. You have 5 years to come up with something and you have an income of $200K+ with a net worth of $1M excluding your home. You are going to be fine, one way or another. I would wait it out, but start setting aside some funds in relatively liquid and low risk accounts to use for private sc...
by aristotelian
Tue Aug 22, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: Cash vs bonds in retirement
Replies: 18
Views: 834

Re: Cash vs bonds in retirement

There might be good reason to have short term money to have several weeks worth of expenses because credit markets can lock up pretty badly. There is no reason to have years of expenses. Selling bonds in a bond bear or stocks into a stock bear will do less damage than the cash drag will. The advice...
by aristotelian
Mon Aug 21, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: Putting 1% AUM Fee in Perspective with SWR
Replies: 11
Views: 1126

Re: Putting 1% AUM Fee in Perspective with SWR

1% AUM rarely even tells half the story. Add in the additional ER of the high fee funds as well as tax drag for capital gains tax for tax inefficient funds in taxable accounts. Also it isn't unusual to start out with a 3 to 5 percent load with some of these situations. That is all the most outrageo...
by aristotelian
Mon Aug 21, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 47
Views: 2986

Re: Kitchen knife set. Good quality - Recommendations

I have a Henckel Chef's knife and it is just OK. The Wusthof feels better and is much sharper. Also have a Henckel bread knife and it is good but doesn't feel like anything particularly special. Which Henckels? They have a lot of product lines. Some, like the Twin line, are department-store grade. ...
by aristotelian
Mon Aug 21, 2017 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: 529 contribution and AA
Replies: 7
Views: 704

Re: 529 contribution and AA

Personally I would do lump sum with a moderate to conservative allocation, no more than 60% stocks. They have a shorter time horizon to college than you do to retirement/end of life, especially the 10 year old. You want to be sure the funds are there for him(her?). I would keep their AA separate fro...
by aristotelian
Mon Aug 21, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: iPhone upgrade through Apple vs through carrier
Replies: 19
Views: 1389

Re: iPhone upgrade through Apple vs through carrier

Have you done the numbers to see if you would come out ahead buying a new phone cash (less funds received from selling your old phone on ebay) versus either upgrade program? I am naturally skeptical of any long term contract programs but you should run the numbers yourself to make a decision.
by aristotelian
Mon Aug 21, 2017 2:24 pm
Forum: Personal Consumer Issues
Topic: Free computer support?
Replies: 11
Views: 1068

Re: Free computer support?

Check out tomshardware forums. You will definitely get what you need there.

http://www.tomshardware.com/forum/
by aristotelian
Mon Aug 21, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 71
Views: 5499

Re: Where to buy glasses for eclipse viewing ?

They are about to get very cheap on Ebay in 3, 2, 1...
by aristotelian
Mon Aug 21, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: Putting 1% AUM Fee in Perspective with SWR
Replies: 11
Views: 1126

Putting 1% AUM Fee in Perspective with SWR

Reading another thread by a poster moving out of a financial advisor, it occurred to me that a 1% AUM fee may seem low, but when put in perspective of Safe Withdrawal Rate discussions, 1% is incredibly high. From my perspective, assume a $1M portfolio with the goal of supplying maximum income to sup...
by aristotelian
Mon Aug 21, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 6645

Re: IBonds: My worst bond investment over the last 5 years

Personally, if I wanted fixed income, I'd go with TIAA traditional's supplemental annuity, which is currently paying 3.25% and offers full liquidity. That's an interesting idea. Can you buy TIAA Traditional in a brokerage account? Do people use it as a savings account? You must be a TIAA participan...
by aristotelian
Sun Aug 20, 2017 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park emergency fund to beat inflation?
Replies: 25
Views: 2792

Re: Where to park emergency fund to beat inflation?

Take $5500 and open a Roth IRA. You can withdraw any contributions tax free, so the Roth IRA can still serve as an emergency fund of sorts (note that earnings would be subject to an early withdrawal penalty). Invest in Vanguard Balanced Index or Lifestrategy Moderate Growth. Both of these funds are ...
by aristotelian
Sun Aug 20, 2017 2:25 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 81
Views: 3746

Re: Safe car for wife and baby

SUV might be heavier but also less maneuverable and higher center of gravity. If there was good data on Civics having higher accident or fatality rates I am sure the SUV manufacturers would be letting us know about it. I do like having all wheel drive in the snow. We have both but safety has not bee...
by aristotelian
Sun Aug 20, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 6645

Re: IBonds: My worst bond investment over the last 5 years

Yes, I have TIAA in my employer plan and use the non liquid version in my deferred account as one of my core fixed income holdings. Never occurred to me that they might offer it in a brokerage account but if it could make a good alternative to I Bonds. I haven't heard of anyone doing this until this...
by aristotelian
Sun Aug 20, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: New job will lump sum me over HSA limit
Replies: 11
Views: 962

Re: New job will lump sum me over HSA limit

Is the money currently in the account from your previous employer or yourself? Does it matter? Employer contributions aren't subject to a different limit. Well, if it was from his previous employer, the simplest solution would be to keep the $4k and ask the new job for a pro-rated contribution to k...
by aristotelian
Sun Aug 20, 2017 12:45 pm
Forum: Personal Consumer Issues
Topic: Kitchen knife set. Good quality - Recommendations
Replies: 47
Views: 2986

Re: Kitchen knife set. Good quality - Recommendations

My favorite all purpose knife is Wusthof classic Santoku. I have a Henckel Chef's knife and it is just OK. The Wusthof feels better and is much sharper. Also have a Henckel bread knife and it is good but doesn't feel like anything particularly special. I somehow lost my Wusthof classic paring knife....
by aristotelian
Sun Aug 20, 2017 12:26 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 111
Views: 6784

Re: What is Bitcoin?

Is TLH feasible with bitcoin? Thanks. Yes, you can TLH Bitcoin. And for everyone saying that they don't hold Bitcoin because it produces nothing of value, that seems to me like not holding transportation companies because the don't make things, or Western Union because wire transfers make no sense ...
by aristotelian
Sun Aug 20, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: New job will lump sum me over HSA limit
Replies: 11
Views: 962

Re: New job will lump sum me over HSA limit

Is the money currently in the account from your previous employer or yourself? Does it matter? Employer contributions aren't subject to a different limit. Well, if it was from his previous employer, the simplest solution would be to keep the $4k and ask the new job for a pro-rated contribution to k...
by aristotelian
Sun Aug 20, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 11864

Re: I own no international stocks. Can you guess why?

Because international stocks have done well lately and it is a good time to sell...Just kidding, I have no idea. Seems like something one should do based on the principle of diversification.
by aristotelian
Sun Aug 20, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Should we sell our Home to Mother-in-law?
Replies: 23
Views: 1314

Re: Should we sell our Home to Mother-in-law?

Could you make a handshake agreement that you get the house back in the will? Then it doesn't really matter what price you sell it to her.

On the other hand, an extra house seems like a big investment relative to only $1M assets. Does she want that much risk in real estate?
by aristotelian
Sun Aug 20, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 6645

Re: IBonds: My worst bond investment over the last 5 years

willthrill81 wrote:
Sat Aug 19, 2017 9:52 pm
Personally, if I wanted fixed income, I'd go with TIAA traditional's supplemental annuity, which is currently paying 3.25% and offers full liquidity.
That's an interesting idea. Can you buy TIAA Traditional in a brokerage account? Do people use it as a savings account?
by aristotelian
Sun Aug 20, 2017 6:40 am
Forum: Personal Finance (Not Investing)
Topic: New job will lump sum me over HSA limit
Replies: 11
Views: 962

Re: New job will lump sum me over HSA limit

Is the money currently in the account from your previous employer or yourself?
by aristotelian
Sat Aug 19, 2017 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: 3-year check-in with questions
Replies: 10
Views: 1373

Re: 3-year check-in with questions

I do think you would be a great candidate for EE and I bonds. Both have tax deferred interest and you are in a high tax bracket. At Age 38, you also have the time horizon to wait 20 years for your EE bonds to double. Yes, you should open a taxable brokerage account. For tax efficiency, you should ei...
by aristotelian
Sat Aug 19, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Do I have a computer virus?
Replies: 11
Views: 1217

Re: Do I have a computer virus?

+1, does not sound like virus. Could be your HDD going bad. Suggest backing up your data as first order of business. Take a look at your SMART data using your disk utility. If anything looks off it is probably the HDD.
by aristotelian
Sat Aug 19, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 6645

Re: IBonds: My worst bond investment over the last 5 years

OP inflation-adjusted return should have been exactly what was expected. Zero. If inflation had gone through the roof and I Bonds returned 10%, OP would have had exactly the same outcome. You are investing in I Bonds for inflation protection, not real return. You achieved your goal. Also, OP is not ...
by aristotelian
Sat Aug 19, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 72
Views: 8745

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

I was surprised to see this on the ballot as well. I am personally sympathetic to the goals but I do not like the idea of any groups of investors enforcing their norms on all of Vanguard investors. Existing indices should be sufficient for investors who wish to select for their personal values.
by aristotelian
Sat Aug 19, 2017 8:11 am
Forum: Personal Consumer Issues
Topic: DUI lawyer - need advice
Replies: 85
Views: 6695

Re: DUI lawyer - need advice

Consider letting DC figure out who he wants for a lawyer and how much he wants to spend to clean up this mess. Obviously you do not want your child to get jail time but the more you do the more you enable the behavior.
by aristotelian
Fri Aug 18, 2017 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Savings vs Down Payment vs Retirement
Replies: 4
Views: 548

Re: Savings vs Down Payment vs Retirement

Because you describe yourself as freelance I think a high emergency fund is justified. The way you have his and her portfolios and separate savings goals seems overly complex. I know retirement accounts are individual accounts, but presumably you would both be buying the house and having kids. Even ...
by aristotelian
Fri Aug 18, 2017 10:24 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 111
Views: 6784

Re: What is Bitcoin?

Nice post. High-quality bitcoin posters, unite! :sharebeer As investors, we want to answer this one too: Why does bitcoin have value? For the same reason the dollar or any other medium of exchange has value: because a large number of people gathered together and agreed among themselves that it has ...
by aristotelian
Fri Aug 18, 2017 12:34 pm
Forum: Investing - Help with Personal Investments
Topic: What type of bond fund for my purpose?
Replies: 22
Views: 1242

Re: What type of bond fund for my purpose?

Also consider I Bonds from Treasury Direct. Guaranteed to match inflation, fully liquid after a year, interest is tax deferred until redeemed. Currently yielding about the same as 5 year CD but with better liquidity.
by aristotelian
Fri Aug 18, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Debt collector called, should we call them back?
Replies: 15
Views: 1952

Re: Debt collector called, should we call them back?

I am not a lawyer but I would probably return the call to see what it's all about. I don't see any harm in that. Do not give them your social security number or any identity information in case it is a scam. I would be worried about them escalating the bill the longer it goes on, especially if you t...
by aristotelian
Fri Aug 18, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: FTSE and NIKKEI Indexes
Replies: 11
Views: 481

Re: FTSE and NIKKEI Indexes

Why not just track the total international ETF (VXUS)? excellent idea - is there a site with up to date data? yahoo finance? just to double check ... i can wait til 4PM EST in order to execute today's prices? i'm making contributions regardless / just trying to determine whether it does US/Int'l Ye...
by aristotelian
Fri Aug 18, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Should we pay off the house before the baby arrives?
Replies: 11
Views: 892

Re: Should we pay off the house before the baby arrives?

I big piece of information that is missing is how much money you will have in your taxable accounts after you pay off the mortgage. If it would not be a lot then you could be "house poor" after paying it off. If you would have a couple of hundred thousand dollars in your taxable account after payin...
by aristotelian
Fri Aug 18, 2017 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Investment Plan
Replies: 7
Views: 479

Re: Investment Plan

Take a look at transferring your HSA investment account to a discount place such as SelectAccount or HSA Authority. You can get Vanguard funds at low expense ratios for as low as $30/year. I would switch and then max it to the full $6750 before contributing to the 457 plan. I am not following your R...
by aristotelian
Fri Aug 18, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: What type of bond fund for my purpose?
Replies: 22
Views: 1242

Re: What type of bond fund for my purpose?

General recommendation for all bonds is intermediate. However, keep in mind that for muni bonds "long" is much closer to "intermediate" than Treasuries. The average duration of Vanguard's long treasury fund is something like 17 years, while its long muni fund is about 7 years. I have VOHIX (Long Ter...
by aristotelian
Fri Aug 18, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: FTSE and NIKKEI Indexes
Replies: 11
Views: 481

Re: FTSE and NIKKEI Indexes

Why not just track the total international ETF (VXUS)?
by aristotelian
Thu Aug 17, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Left Financial Planner - New Baby - Looking for advice
Replies: 11
Views: 835

Re: Left Financial Planner - New Baby - Looking for advice

If wife is SAHM, her income does not need to be replaced. Consider cutting one of her policies and/or reducing the benefit. +1, I would suggest 100% Total Stock Market Index in the taxable. Then compensate by making one or both of your IRA's hold Lifestrategy Conservative Growth. Then your overall a...
by aristotelian
Thu Aug 17, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: NYC real estate question
Replies: 17
Views: 1622

Re: NYC real estate question

You have $5m in the bank and $700k annually. You could retire today and be OK. If you have no plan to quit working, the apartment could be lost in an Act of God and you would be fine. If you like the apartment, go for it.
by aristotelian
Thu Aug 17, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Opening an HSA tomorrow...
Replies: 10
Views: 588

Re: Opening an HSA tomorrow...

Selectaccount and HSA Authority both offer Vanguard mutual funds for about $30 annually. I believe that is better than Health Savings Administrators. I was ready to pull the trigger on Selectaccount until I realized that my current HSA set up by my employer through a local credit union offers a 3% 3...
by aristotelian
Thu Aug 17, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: transferring funds from managed account
Replies: 1
Views: 138

Re: transferring funds from managed account

For the IRA-->401k rollover, you would need to talk to your 401k administrator to see if this is an option. For the others, you would go to your new brokerage and fill out account paperwork for in-kind transfers. As long as you are in stocks and ETFs, you should have no problem having those transfer...
by aristotelian
Thu Aug 17, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Cancer at 38. Going from high income to no income. Need help generating income from $5m portfolio
Replies: 45
Views: 9168

Re: Cancer at 38. Going from high income to no income. Need help generating income from $5m portfolio

I see you have life insurance as an annual expense. Is that included in your $5M portfolio or would that give you additional flexibility? It is possible that you could use any life insurance to purchase the house outright. I see a lot of flexibility in your budget. If you become a single mother, you...
by aristotelian
Tue Aug 15, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Not understanding the recommended retirement distribution strategy in the Boglehead's Guide
Replies: 7
Views: 1102

Re: Not understanding the recommended retirement distribution strategy in the Boglehead's Guide

When withdrawing from taxable, you only pay taxes on gains. If you can meet your income needs from that, you use up the rest of your marginal bracket with Roth conversion. That ensures you never need to make withdrawal at higher than your marginal rate.