Search found 350 matches

by blaugranamd
Fri Apr 28, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: One Fund? Really?
Replies: 43
Views: 4545

Re: One Fund? Really?

I am 57 and since I want to retire at 68, I only have 11 years of tolerance to large market swing (i.e, probbaly only one more crash) before I need the money to live without working. You are misleading yourself in a very common way. Your investment horizon is NOT 11 years, but rather to your life e...
by blaugranamd
Fri Apr 28, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: One Fund? Really?
Replies: 43
Views: 4545

Re: One Fund? Really?

Don't let the notion of "one fund" fool you. You have to get a good understanding what what a fund is to overcome this mental road block. If you own one fund that holds 10k stocks and get 7% return per year rather than owning 3 funds that own the same stocks split into three groups that on...
by blaugranamd
Sun Apr 23, 2017 8:41 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 169
Views: 17862

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

The bottom line is this: if you're on pace to hit your goals financially and are still restricting yourself from things you can afford and would enjoy you're probably going to regret things. You might not be healthy enough to hike Kilimanjaro at 60 but you might have to splurge to do it in your 30s....
by blaugranamd
Fri Apr 21, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: [Advice needed for mother's inheritance/finances.]
Replies: 129
Views: 12811

Re: Too much inheritance to handle. Advice needed

I get saddened reading such scumbaggery. What makes you think that this is without a doubt, scumbaggery? I don't know nearly as much as most of you do, but everyone is saying get out. What are the red flags that you see and everyone else is seeing? THe read red flag that I saw was the fees attached...
by blaugranamd
Sat Apr 15, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Yet another Vanguard study on DCA vs Lump Sum
Replies: 55
Views: 3113

Re: Yet another Vanguard study on DCA vs Lump Sum

The often overlooked component of this is that, in general, expected return is POSITIVE, so between any Day A and Day B the expectation is the share price will INCREASE. Thus, any DCA strategy is more likely to result in purchasing shares at a progressively higher price. The evidence-based investor,...
by blaugranamd
Sat Apr 08, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: taxable muni VWITX- tax loss harvesting
Replies: 8
Views: 857

Re: taxable muni VWITX- tax loss harvesting

This should be simple. I own this fund and thought with these interest rate hikes I might have a TLH opportunity. Sell the losing shares, put proceeds into VG Limited Term Tax Exempt fund, after wash sale period sell those and repurchase VWITX. While probably not a big deal, I disagree with moving t...
by blaugranamd
Sat Apr 08, 2017 4:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Taking-In $2 Billion a Day in New Cash
Replies: 30
Views: 4958

Re: Vanguard Taking-In $2 Billion a Day in New Cash

Could this eventually create a Problem for us though? If a ton of new to indexing investors are pouring money into these funds then next market correction panic cause they're not committed Bogleheads, couldn't this kill tax efficiency and NAV beyond what the underlying stocks experience?
by blaugranamd
Thu Apr 06, 2017 4:31 pm
Forum: Personal Consumer Issues
Topic: Buying expensive car, how to keep payments low?
Replies: 149
Views: 8451

Re: Buying expensive car, how to keep payments low?

Hi all, I have recently found this wonderful online community and started saving and investing in 401k. I am 34 and wife is 32. I drive a RAV4 V6 which I will be done paying for in two months and my wife drives 328i and the lease is up in June this year. My mentality has changed in the last couple ...
by blaugranamd
Wed Apr 05, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: replace or keep car with 60k miles?
Replies: 39
Views: 3028

Re: replace or keep car with 60k miles?

Oil changes aren't going away with a different vehicle and are we supposed to be paying property tax on cars we already own? Cause I sure haven't. Maybe I'm confused here. If you have paid the car off, you're considering stepping down to a much smaller, much less powerful. Trading 36/25 mpg for 40/3...
by blaugranamd
Sat Apr 01, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Physician-Resident looking for Portfolio Advice
Replies: 34
Views: 2567

Re: Physician-Resident looking for Portfolio Advice

One thing you COULD consider is viewing your loans as your "bond" allocation for now: aka your investments are 100% stocks and the money you are allocating to bond funds goes into student loan payments. 3.5% is pretty good for medical school loans, but bond returns are pretty similar if n...
by blaugranamd
Sat Apr 01, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Physician-Resident looking for Portfolio Advice
Replies: 34
Views: 2567

Re: Physician-Resident looking for Portfolio Advice

One thing you COULD consider is viewing your loans as your "bond" allocation for now: aka your investments are 100% stocks and the money you are allocating to bond funds goes into student loan payments. 3.5% is pretty good for medical school loans, but bond returns are pretty similar if no...
by blaugranamd
Sat Apr 01, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 3935

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

I decided to DCA this $100K investment, and I will accept it if I don't gain as much in the end by doing it. I sold off about $95K. I ended up selling those shares at total of a $540 short-term gain (minus 2017 taxes). I'm going to invest that $95K in a variety of mutual funds and then add some eac...
by blaugranamd
Fri Mar 31, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: How do credit cards with rotating categories make money for credit card companies?
Replies: 16
Views: 1437

Re: How do credit cards with rotating categories make money for credit card companies?

They eat a loss on transactions in those categories, but meanwhile they get you using their card for all your other transactions. Then you start carrying a balance and they get to charge 20% interest. All it takes is one account running a balance to support dozens of customers who are getting cheap...
by blaugranamd
Fri Mar 31, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 3935

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

In discussion of DCA vs lump, the conversation always centers around avoiding loss. But what seems to always get overlooked is missed gains and the potential for magnifying losses. If the market goes up the entirety or even the majority of purchase points during your DCA time frame (like it has been...
by blaugranamd
Mon Mar 27, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6414

Re: Weathering sell-off days like today

Easy to say and hard to do--- Don't look today and remember the long term goal of investing. +1 Don't look. Save more and invest as normal. Why are you even looking? Go get a hobby. Yup, if you have no need for the money and weren't already planning to sell, why are you even checking prices? Commit...
by blaugranamd
Sun Mar 26, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: GEICO vs. USAA auto insurance
Replies: 55
Views: 14177

Re: GEICO vs. USAA auto insurance

Choosing insurance providers is about more than just the annual rate. USAA member (banking, home/auto insurance) for 15 years. Got rear-ended last month after a decade of accident-free driving. We pulled off, exchanged ID/insurance info, took pictures. Only minor visible damage on my car; other dri...
by blaugranamd
Fri Mar 24, 2017 8:18 am
Forum: Investing - Theory, News & General
Topic: The $1,124,176 Car.
Replies: 99
Views: 8299

Re: The $1,124,176 Car.

What about the $75 Chipotle burrito? It costs $7 to buy a Chipotle burrito but you could make one at home for $2 and invest the $5 difference for 40 years it will cost you $75! Gadzooks! I appreciate the perspective on overspending but I think it's unfair to ourselves now to think of everything we b...
by blaugranamd
Wed Mar 22, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Vegetable Gardening - seeds vs seedlings?
Replies: 29
Views: 2385

Re: Vegetable Gardening - seeds vs seedlings?

Asparagus - planning to plant one whole 4x4 box Cucumber Zucchini Summer Squash Pumpkins Are you planning to plant ALL of those things you listed in just 6 4'x4' garden beds? If so, bear in mind that the one's I've singled out above will take up a LOT of space. We have a partitioned garden area in ...
by blaugranamd
Tue Mar 21, 2017 8:30 pm
Forum: Personal Finance (Not Investing)
Topic: My son wants to move to Hong Kong
Replies: 35
Views: 4662

Re: My son wants to move to Hong Kong

A good friend of mine did something similar: packed up and moved to Taiwan on a whim and got a basic teaching position at a school teaching English. Had a great 2-3 years doing it eventually came back stateside. I don't know much about the legal/medical/etc stuff to this, but could be a great, once ...
by blaugranamd
Tue Mar 21, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Untangling insurance products?
Replies: 4
Views: 432

Re: Untangling insurance products?

Sure there's more than just money but after getting quotes on all 4 products it would save me $800/year to move insurance providers. That's as good chunk of change without losing a dime in coverage. I've read about folks having issues with both companies and I don't know that anecdotally better cust...
by blaugranamd
Mon Mar 20, 2017 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Untangling insurance products?
Replies: 4
Views: 432

Untangling insurance products?

As per usual, something on this forum prompts me to investigate my financial situation further. This time it was my insurance after reading a thread about GEICO insurance rates. I haven't priced auto or motorcycle insurance in at least 5 years so I ran a quote and to my surprise they blew the water ...
by blaugranamd
Mon Mar 20, 2017 8:22 am
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 2355

Re: Do you purposely spend with companies in your investment portfolio?

I would estimate 75% of all my expenses go to companies I own. That's just because 25% are not publicly traded. :P
by blaugranamd
Sat Mar 18, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4560

Re: Looking for a snazzy car

I'm sure the GTI is a great car but I just don't like the hatch look. Miata's are great but stereotypically are chick cars and old man cars. My 60 year old father loves his. :wink: Yeah, the Fiat might be an alternative but not necessarily to be recommended. Real men would probably be in a Corvette...
by blaugranamd
Sat Mar 18, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Looking for a snazzy car
Replies: 79
Views: 4560

Re: Looking for a snazzy car

If I were looking for a toy car I would pick one of the following: - Subaru BRZ if you don't want a convertible - Miata or Audi TT if you want a tiny convertible - Audi S5 cabriolet if you want something with more grunt and luxury I'm sure the GTI is a great car but I just don't like the hatch look....
by blaugranamd
Sat Mar 18, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 5098

Re: "Don't time the market" vs. "Buy low, sell high"

Wow. I thought "buy low, sell high" was pretty fundamental to investing. Silly me. If it makes you feel better, perhaps I should be passionately advocating for "buy high, sell low" as the preferred investing strategy. Buy what is hot and performance chase to your heart's content...
by blaugranamd
Sat Mar 18, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Switching funds in Roth IRA
Replies: 5
Views: 598

Re: Switching funds in Roth IRA

My question is this: if I were to sell all of these Hartford funds, would the money go into my Vanguard Money Market fund? and would I have to pay any fees or taxes on these transactions if the money is technically leaving the IRA? What I want to do is just transition the money into VFFVX within th...
by blaugranamd
Fri Mar 17, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help with setting SpecID in new Vanguard taxable account
Replies: 5
Views: 320

Re: Help with setting SpecID in new Vanguard taxable account

Chuck wrote:Yes, the setting is on each asset/holding, so you can't make an election until you have something. You should make the election before you sell anything, though.


This. You must own a fund and you must set a cost basis method for each fund you own.
by blaugranamd
Fri Mar 17, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 5098

Re: "Don't time the market" vs. "Buy low, sell high"

"Buy low, sell high" is the foolish mantra of market timing and the antithesis of Boglehead investing philosophy. Get it out of your head and replace it with the following: "Invest we must, invest early and often, don't time the market, keep costs low, stay the course" No. Buy l...
by blaugranamd
Fri Mar 17, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 5098

Re: "Don't time the market" vs. "Buy low, sell high"

"Buy low, sell high" is the foolish mantra of market timing and the antithesis of Boglehead investing philosophy. Get it out of your head and replace it with the following: "Invest we must, invest early and often, don't time the market, keep costs low, stay the course" No. Buy l...
by blaugranamd
Wed Mar 15, 2017 10:33 pm
Forum: Investing - Help with Personal Investments
Topic: "Don't time the market" vs. "Buy low, sell high"
Replies: 69
Views: 5098

Re: "Don't time the market" vs. "Buy low, sell high"

"Buy low, sell high" is the foolish mantra of market timing and the antithesis of Boglehead investing philosophy. Get it out of your head and replace it with the following: "Invest we must, invest early and often, don't time the market, keep costs low, stay the course"
by blaugranamd
Sun Mar 12, 2017 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yubikey-only option?
Replies: 33
Views: 2719

Re: Vanguard Yubikey-only option?

Thanks for yet another great Boglehead bit of wisdom. All my financial websites now have "fun" security question answers. Now to hope I never have to call in and give any of them. :shock:
by blaugranamd
Sun Mar 12, 2017 9:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yubikey-only option?
Replies: 33
Views: 2719

Re: Vanguard Yubikey-only option?

If you cannot disable SMS 2-factor codes, then adding a Yubikey actually reduces the authentication security, albeit very minimally. That's because it just adds another point of attack to what is already there if SMS is still enabled. This is a minimal detraction because the Yubikey, if configured ...
by blaugranamd
Sat Mar 11, 2017 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yubikey-only option?
Replies: 33
Views: 2719

Re: Vanguard Yubikey-only option?

Epsilon Delta wrote:The argument that people should answer security questions untruthfully is morally wrong.


Lol, wut???? :shock: :confused :oops:
by blaugranamd
Sat Mar 11, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: can you recommend good tires
Replies: 50
Views: 2702

Re: can you recommend good tires

The highest ranked all-season tires in no particular order are: Michelin Premier A/S (I have these) Pirelli Cinturato P7 All Season Plus Continental PureContact https://www.tirerack.com/tires/surveyresults/surveydisplay.jsp?type=GTAS With Continental you want the PureContacts, not the ContiProConta...
by blaugranamd
Sat Mar 11, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 43
Views: 3522

Re: Wifi Router Advice

Ahh didn't see that post while I was posting. Disregard then.
by blaugranamd
Sat Mar 11, 2017 8:51 am
Forum: Personal Consumer Issues
Topic: Wifi Router Advice
Replies: 43
Views: 3522

Re: Wifi Router Advice

http://thewirecutter.com/reviews/best-wi-fi-router/ (The Wirecutter generally has good reviews for electronics) I have the Archer C7 recommended in the article. For a long while, I was having tons of issues with slow service when I connected with my phone (but not with my computer for some reason)....
by blaugranamd
Sat Mar 11, 2017 12:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yubikey-only option?
Replies: 33
Views: 2719

Re: Vanguard Yubikey-only option?

Enki I agree that having SMS/Yubikey is superior to username and password. What I don't get is why there's no option to disable SMS once you have a Yubikey. It makes getting the Yubikey is pointless other than if you happen to have Yubikey with you instead of your phone. Otherwise it's probably more...
by blaugranamd
Fri Mar 10, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yubikey-only option?
Replies: 33
Views: 2719

Re: Vanguard Yubikey-only option?

Well that's a bummer. Now I just have this $15 convenience feature. Actually might be less convenient since I have my phone on me all the time to get SMS and the Yubikey will probably get tucked away in the office or safe... :annoyed
by blaugranamd
Fri Mar 10, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yubikey-only option?
Replies: 33
Views: 2719

Vanguard Yubikey-only option?

Hey all, Recently got turned on to two-factor authentication and have converted all my finance accounts over to it. Vanguard offers the Yubikey option, which is different than the Symantec VIP software key some of my other accounts use. Seems like a great option, so I got a Yubikey in today set it u...
by blaugranamd
Sun Mar 05, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Military guy wants to retire at age 47, where to invest?
Replies: 6
Views: 1164

Re: Military guy wants to retire at age 47, where to invest?

Look into SOSEPP rules of you're planning to make Roth drawdowns in early retirement, I don't know much about them personally but it might be up your alley and save you some.
by blaugranamd
Sun Mar 05, 2017 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Net worth milestone reached: $100,000!
Replies: 52
Views: 4055

Re: Net worth milestone reached: $100,000!

Good work mate! Your story is why I think a few years of full time real world employment are critical before going to college: makes you realize why you need to study and learn this stuff.
by blaugranamd
Sun Mar 05, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3673

Re: Giving my lawn the TLC it needs

Yep, that's me! Hopefully soon I'll get some replies. I have a moderate amount of weeds. Nothing crazy. I'm more concerned with getting a thick lawn. I can deal with weeds next year. I think a thick lawn will take care of some of the weeds anyway. I may just use regular fertilizer and then spray we...
by blaugranamd
Sat Mar 04, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3673

Re: Giving my lawn the TLC it needs

Is overseeding going to be adequate for the bare spots or do I need extra seed on those spots? I was just outside and there are a heck of a lot of bare spots that are just mud right now. I agree, post a picture or two. If you have completely bare areas you will likely need to till the soil up and p...
by blaugranamd
Sat Mar 04, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Windfall: should we pay cash for ~$1.3M home?
Replies: 96
Views: 5300

Re: Windfall: should we pay cash for ~$1.3M home?

Let me see here: Current expenses: $65,000 Current retirement assets: $300,000 Windfall: $1,300,000 4% SWR on $1,600,000 = $64,000 Percent of expenses covered by portfolio income only: 98.5% It would seem to me you could do one of the following: 1. Plop that lovely sum into an investment account, re...
by blaugranamd
Sat Mar 04, 2017 9:25 pm
Forum: Personal Consumer Issues
Topic: Describe your Reasonable Dream Home
Replies: 51
Views: 3351

Re: Describe your Reasonable Dream Home

3000 sqft log-style home in the Rockies with mountain and valley view on 100+ acres with a separate cabin on the opposite side of the property on a large pond or lake edge that does NOT electricity but is woodburning stove heated, a few bunks and plumbing though. - MUST have an old-school style stud...
by blaugranamd
Sat Mar 04, 2017 1:41 pm
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3673

Re: Giving my lawn the TLC it needs

You could probably do either. If you mow then dethatch you will have to go over once more to vacuum up the clippings and thatch. If you dethatch then mow you might not get a great cut if you have a high thatch burden and you may cut up your thatch and blow it arrive to let done settle back into the ...
by blaugranamd
Sat Mar 04, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: (Military) Continue to pay off debt or Save for PCS? [Permanent Change of Station]
Replies: 9
Views: 575

Re: (Military) Continue to pay off debt or Save for PCS?

Best to build a cash cushion, unexpected things happen. My last PCS took 4 months to get my pay correct. Once things settle, cash can go against the car loan or be invested. Take the car to UK, lots of good traveling! If there's one good thing the military is good at screwing up it's your pay. Have...
by blaugranamd
Sat Mar 04, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3673

Re: Giving my lawn the TLC it needs

I used to work for Scotts as a lawn tech (so I don't actually know that much, lol) but I'll toss my 2 cents in as we had a similar issue and revitalized our Midwestern backyard rather easily: 1. Wait til fall for the general overseed. You could try the EZ seed on a few bad spots now if you're attent...
by blaugranamd
Fri Mar 03, 2017 10:42 am
Forum: Personal Finance (Not Investing)
Topic: Is Certified Pre-owned Car worth it?
Replies: 16
Views: 2026

Re: Is Certified Pre-owned Car worth it?

It can be worthwhile in that you get your inspection, which you should probably get on any used car, and a warranty that might even be better than the original warranty. HOWEVER, do your due diligence before buying as dealers are NOT out for your best interests. I bought a CPO Subaru and the CPO pol...
by blaugranamd
Fri Mar 03, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Can you roll a TSP Roth into a Roth IRA?
Replies: 7
Views: 685

Re: Can you roll a TSP Roth into a Roth IRA?

You can't. But you can do a partial withdrawal of almost all your TSP funds, leaving a placeholder of $200 (I'd do $1K) behind in case you ever wanted to return any TIRA funds to the TSP. The Roth portion rolls out to a Roth IRA, the TIRA portion rolls out to a TIRA. Folks who want to use the G Fun...

Go to advanced search