Search found 366 matches

by blaugranamd
Thu Jun 22, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Questions for DieHards after reading "The Bogleheads' Guide to Investing"
Replies: 38
Views: 3038

Re: Questions for DieHards after reading "The Bogleheads' Guide to Investing"

There's a general feeling for new investors, especially after reading some of our required reading, that you have to invest with Vanguard to adhere to these principles. This is not the case. If you have $1000 to invest you can use a Target date fund or if you want to have your own individual mutual ...
by blaugranamd
Wed Jun 21, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 35
Views: 2414

Re: Google Fi? pros/cons? anyone using it?

Google Fi uses the following carrier networks: - Sprint - T Mobile - US Cellular If you install the Phono app, you'll see an icon with the network you're currently using that changes as you move about. On the east coast, US Cellular roams to AT&T, so my phone spends time on T-Mobile, Sprint, an...
by blaugranamd
Wed Jun 21, 2017 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need help deciding fund to choose for 401k
Replies: 13
Views: 452

Re: Need help deciding fund to choose for 401k

You could always just use the iShares S&P fund and over time move all your roth assets to extended market (VEXMX) and international (VGTSX) funds to maintain your desired AA. IIRC, somewhere between 4:1 or 3:1 ratio of S&P500:Extended Market gets you the equivalent of Total stock market (VT...
by blaugranamd
Wed Jun 21, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 35
Views: 2414

Re: Google Fi? pros/cons? anyone using it?

Google Fi uses the following carrier networks: - Sprint - T Mobile - US Cellular We have had it for a year now, both with Nexus 5x devices and are very happy. FWIW, Google phones get new Android updates as soon as they are developed. Other carriers using other Android devices can be behind 6-12 mont...
by blaugranamd
Wed Jun 21, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Need help deciding fund to choose for 401k
Replies: 13
Views: 452

Re: Need help deciding fund to choose for 401k

You could always just use the iShares S&P fund and over time move all your roth assets to extended market (VEXMX) and international (VGTSX) funds to maintain your desired AA. IIRC, somewhere between 4:1 or 3:1 ratio of S&P500:Extended Market gets you the equivalent of Total stock market (VTS...
by blaugranamd
Tue Jun 20, 2017 7:48 am
Forum: Personal Finance (Not Investing)
Topic: Should I buy an $800k house?
Replies: 86
Views: 5265

Re: Should I buy an $800k house?

Thesaints wrote:If you have 220k in cash, why do you carry a car loan (which also forces you to pay for full comprehensive insurance) ?


I was wondering the same thing.
by blaugranamd
Sun Jun 18, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: Best Financial Advice from Dad (in honor of father's day)
Replies: 79
Views: 4731

Re: Best Financial Advice from Dad (in honor of father's day)

Never really talked finances with my dad, but he certainly showed the example of living frugally. I have no idea if he lived at, above, or below his means cause I haven't a clue how they are doing but they've always lived comfortably. :confused
by blaugranamd
Sun Jun 18, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 88
Views: 7096

Re: Anyone else gotten totally bored with investing?

Isn't boredom part of the Boglehead philosophy? Make investing so passive you can spend your time doing something else?
by blaugranamd
Sun Jun 18, 2017 11:08 am
Forum: Investing - Help with Personal Investments
Topic: USAA opinions. Worth it?
Replies: 29
Views: 1957

Re: USAA opinions. Worth it?

We have USAA for banking and insurance. But don't think because of the "exclusivity" of membership requirements there's much special about them. They have been very good from a customer service perspective. Otherwise they're not necessarily anything special.
by blaugranamd
Sun Jun 18, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Who takes financial chances and why is this forum so financially conservative?
Replies: 139
Views: 11808

Re: Who takes financial chances and why is this forum so financially conservative?

Au contraire! When I talk to friends I am by far the most financially aggressive. But I don't take unnecessary risks. Consider: 1. I use intermediate-term treasuries both as my emergency fund and as a 5-10% bond allocation. 2. I am effectively 100% equities with extra-volatile allocations to SCV, E...
by blaugranamd
Sun Jun 18, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: Need WIFI repeater or second router Advice
Replies: 45
Views: 2432

Re: Need WIFI repeater or second router Advice

Currently have Verizon FIOS with their provided router and have terrible WIFI on the other side of my house - maybe 50 feet away. I've read I can do a repeater or add a second router that is connected with a Ethernet cable. The reviews on repeaters are iffy and there appears to be a lot of setup wi...
by blaugranamd
Sun Jun 18, 2017 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Options for Saving for a First-Home Down Payment
Replies: 25
Views: 1679

Re: Options for Saving for a First-Home Down Payment

1-3% compounded over 2-3 years with a savings rate to give you $20k during that time is gonna amount to a few hundred dollars with less than a few hundreds in differences between the options. You're obsessing over vehicles that will, at best, net you an extra $100-300 dollars before you have to hand...
by blaugranamd
Sun Jun 18, 2017 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Unexpected raise while househunting-- should I change my budget?
Replies: 17
Views: 1972

Re: Unexpected raise while househunting-- should I change my budget?

Unless you're looking in a very expensive metro and your current budget is a severe compromise from what you want, I would not change a thing. We all run into this issue from time to time: new or increased income and our first thought is "what do I spend it on?" and that usually defaults t...
by blaugranamd
Fri May 12, 2017 7:05 am
Forum: Investing - Help with Personal Investments
Topic: What do I do with 2018 Roth IRA money today?
Replies: 13
Views: 1426

Re: What do I do with 2018 Roth IRA money today?

I would invest it the way it would be invested in the Roth. If there is a gain, then I would just see how much taxes I would owe by selling in December, in January, and next May. In May, gains would be long-term. If there is a loss, tax-loss harvest in December or sooner. This assuming you have no ...
by blaugranamd
Sat Apr 29, 2017 9:48 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance? How much to get? How much do people have?
Replies: 8
Views: 802

Re: Auto Insurance? How much to get? How much do people have?

We carry 300/500/100 because it's the minimum for our umbrella coverage. Full on our 2016 Forester, no comp/coll on the 2009 Legacy. Roadside is like $2 per year.
by blaugranamd
Fri Apr 28, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: One Fund? Really?
Replies: 49
Views: 5676

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: 49
Views: 5676

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: 170
Views: 20412

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: 14017

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: 3409

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: 937

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: 5183

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: 9266

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: 3118

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: 2859

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: 2859

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: 4225

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: 1565

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: 4225

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: 6865

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: 15173

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: 9130

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: 2585

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: 4873

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: 475

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: 475

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: 2535

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: 4897

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: 4897

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: 5735

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: 643

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: 353

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: 5735

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: 5735

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: 5735

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: 34
Views: 3083

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: 34
Views: 3083

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: 34
Views: 3083

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: 2918

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...

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