Search found 435 matches

by boglephreak
Fri Jul 07, 2017 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Landlord/Rent question
Replies: 21
Views: 1813

Re: Landlord/Rent question

No need to see a lawyer a quick read of their states laws online should ans the question. I read the WACs regularly regarding issues like this. Most states are easily searched. Mine has no int requirements My point was you should pay interest no matter what your state law says. That is simply the r...
by boglephreak
Fri Jun 30, 2017 11:50 pm
Forum: Investing - Theory, News & General
Topic: would you take a new mortgage to invest in stock market?
Replies: 30
Views: 2672

Re: would you take a new mortgage to invest in stock market?

for an interest only loan, sure. but i cant get an interest only loan, so this is unrealistic. my loan is 2.75%, which is very low, and for that amount, i would not take on additional debt to invest (although technically by not paying off my loan and investing in taxable instead, i am kind of doing ...
by boglephreak
Tue Jun 20, 2017 6:27 pm
Forum: Investing - Theory, News & General
Topic: "Waiting for the Market to Crash is a Terrible Strategy"
Replies: 27
Views: 4527

Re: "Waiting for the Market to Crash is a Terrible Strategy"

what i find most amusing about people talking about holding cash on this forum is when livesoft comes in and starts listing all the big recent dips and asking them when they bought back in to the market, and seeing the blank looks (figuratively, since i cant actually see them).
by boglephreak
Tue Jun 20, 2017 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with dogs, hypothetical
Replies: 67
Views: 3287

Re: Liability with dogs, hypothetical

Hypothetical: say she or some other dog owner came on our property and their dog was injured. Our dog is unleashed, but "controlled" by the invisible fence. Are we liable? Do I need to tell our insurance company that we have a dog with some unknown amount of pit in her? Afaik, NJ does not...
by boglephreak
Sun Jun 18, 2017 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17703

Re: Siblings in disagreement over mom's house.

Does attempting mediation help make a better case in front of a judge for a partition suit? I ask because I can see a judge giving extra time to get the parties to work something out if there is no written evidence otherwise. When I was settling my mother's estate, the estate attorney recommended t...
by boglephreak
Sun Jun 18, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella Insurance options
Replies: 33
Views: 3317

Re: Umbrella Insurance options

geico gave me a discount because i have car insurance with them. the umbrella policy was basically free for the first $1M. i would check with your current auto insurance company for a discount.
by boglephreak
Sun Jun 18, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17703

Re: Siblings in disagreement over mom's house.

General question to the knowledgeable posters who have commented: What (besides deep sympathy to OP) is the take-away from this for others? Can you write something in your Will stating that the heirs have a certain period of time (six months, 11 months, whatever) to sell the real property, whether ...
by boglephreak
Sun Jun 18, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17703

Re: Siblings in disagreement over mom's house.

Letter signed by the three willing sellers stating 1.) Majority owners desire to sell 2.) Understand sentimental value but there are other concerns 3.) Remaining owners have 60 days to make an offer to majority or property goes on the market 4.) Proceeds to be split evenly assuming that everyone is...
by boglephreak
Sun Jun 18, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17703

Re: Siblings in disagreement over mom's house.

I don't think you are looking at much in legal fees. It's a very straight fwd situation. 3 owners want to sale. You hire a lawyer, judge order sale. It's actually not overly complicated. It's the only option. Besides abandonment. It's a very clean legal option because it has good solid precident so...
by boglephreak
Sun Jun 18, 2017 12:36 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17703

Re: Siblings in disagreement over mom's house.

I don't think you are looking at much in legal fees. It's a very straight fwd situation. 3 owners want to sale. You hire a lawyer, judge order sale. It's actually not overly complicated. It's the only option. Besides abandonment. It's a very clean legal option because it has good solid precident so...
by boglephreak
Sun Jun 18, 2017 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Siblings in disagreement over mom's house.
Replies: 241
Views: 17703

Re: Siblings in disagreement over mom's house.

partition sale. What exactly is this, and will it provide more cash than my suggestion, to the OP, when all is said and done? (don't forget legal fees) partition sale is how joint owners of a property remove the joint ownership legally when they cant agree on how to do it. it is not the cheapest wa...
by boglephreak
Wed Jun 14, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: A Current Perspective on Global Growth
Replies: 24
Views: 1941

Re: A Current Perspective on Global Growth

i remain ignorant. if china and india are so large, why isnt this translating into a larger allocation to those countries in Vanguard Total Int'l? the top five countries are Japan (17%); UK (13%); Canada (7%); France (7%); and Germany (6%). China is 5% and India is 2.5%. https://personal.vanguard.co...
by boglephreak
Mon Jun 12, 2017 1:01 pm
Forum: Investing - Theory, News & General
Topic: Ok reasons for a 37 year old to have a 60/40 mix?
Replies: 39
Views: 3852

Re: Ok reasons for a 37 year old to have a 60/40 mix?

i am also 37 this year. i think those are "Ok reasons." i dont agree with being that conservative, but every person has to determine this for themselves based on their own circumstances. my AA may not be right for you, and your AA is not right for me (based on my personal feelings).
by boglephreak
Thu Jun 08, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Getting married oversesas -> can I file as single in US?
Replies: 5
Views: 517

Re: Getting married oversesas -> can I file as single in US?

dont know the official answer, but my gut says that if you're "legally" married overseas and then claim you're not on your U.S. tax forms, you are committing tax fraud. whether a religious ceremony overseas meets the definition of a legal marriage in the U.S. is questionable in my mind, an...
by boglephreak
Thu Jun 08, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 6950

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

why worry about what you are missing in the past? you are currently missing out on lots of good stocks! i'll let you know in a decade which ones.
by boglephreak
Thu Jun 08, 2017 2:08 pm
Forum: Investing - Theory, News & General
Topic: Why You Still Can’t Trust Your Financial Adviser
Replies: 54
Views: 5832

Re: Why You Still Can’t Trust Your Financial Adviser

true story. the firm's partners and our financial advisors who handle the firm's 401k and certain of the partners' money (i believe under an AUM agreement, but am not 100% sure) got together last week for a social visit. the FAs were complaining about the fiduciary duty rule and how it will result i...
by boglephreak
Thu Jun 01, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: Bogle: Even indexing can be too much of a good thing
Replies: 25
Views: 4374

Re: Bogle: Even indexing can be too much of a good thing

im confident that when index funds reach the threshold (whatever percentage number that may be) and that active funds start to beat the market (and index funds) more often that the flow of money will move back to active funds, and then we will all be "safe" again. never underestimate greed...
by boglephreak
Wed May 31, 2017 5:19 pm
Forum: Investing - Theory, News & General
Topic: Increased ER to Pay 401k Plan Expenses
Replies: 17
Views: 985

Re: Increased ER to Pay 401k Plan Expenses

While this is very frustrating, I would be thrilled with that AUM compared with what we are being changed to (1.35) plus whatever ER of the fund that I pick. It could absolutely be worse. I have never researched moving 401K money during employment like I do with my Simple IRA but perhaps some very ...
by boglephreak
Wed May 31, 2017 4:18 pm
Forum: Investing - Theory, News & General
Topic: Increased ER to Pay 401k Plan Expenses
Replies: 17
Views: 985

Increased ER to Pay 401k Plan Expenses

Wife received a notice yesterday. Her company has changed the way its paying for its 401k plan expenses. Apparently, previously, each mutual fund in the plan had its ER adjusted to pay for the plan expenses. High cost ER were even higher cost to pay plan expenses (as high as an additional .30), wher...
by boglephreak
Tue May 23, 2017 4:39 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 262
Views: 34984

Re: TLH for absolute dummies [Tax Loss Harvesting]

I think it is pretty trivial to check for losses more often. Sometimes even large losses are fleeting. Here is one automatic way of setting when to check for losses: Set up an alert at Vanguard to automatically send a message to your smart phone when VTSAX or VTIAX have dropped at least 2.5% (or 2%...
by boglephreak
Mon May 22, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: Survey: 5 yr. CDs: 2.12% with no EWP vs 2.69% with 12 mo EWP?
Replies: 12
Views: 1545

Re: Survey: 5 yr. CDs: 2.12% with no EWP vs 2.69% with 12 mo EWP?

the latter. i am too lazy to do an early withdrawal anyways. so, unless the market does something insane, i am unlikely to do anything with the CDs anyways.
by boglephreak
Wed May 17, 2017 4:37 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3589
Views: 947692

Re: U.S. stocks in freefall

saw this thread on front page. open up newest post. march 2017. cant believe i missed the March 2017 free fall!!! i wouldnt even had known it existed if i hadnt opened this thread. didnt even know aboout the current free fall until a co-worker said DOW was down at which i wondered if i should buy.
by boglephreak
Tue May 16, 2017 2:53 pm
Forum: Investing - Theory, News & General
Topic: Best argument you've heard against passive/for active?
Replies: 49
Views: 4413

Re: Best argument you've heard against passive/for active?

i think the best argument for passive vs. active is that every year some active funds beat the market, so passive investing is not maxing your investment potential. there is only a small little problem with investing in active though: how do you pick those active funds beforehand and when do you get...
by boglephreak
Tue May 09, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 6439

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

i read the article, but dont understand why he says its a myth. is he saying that indexes like the S&P 500 arent really passive because a committee is picking the stocks?
by boglephreak
Mon May 08, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Nice piece by Christine Benz, "Not a portfolio emergency"
Replies: 14
Views: 3215

Re: Nice piece by Christine Benz, "Not a portfolio emergency"

lol The low-cost target-date 2035 fund that he had invested in through his 401(k) (that I had recommended) was way too conservative, for one thing. Meanwhile, the advisor thought my friend's rollover IRA, parked in an S&P 500 index fund, completely missed the boat because it didn't include small...
by boglephreak
Thu May 04, 2017 12:26 pm
Forum: Investing - Theory, News & General
Topic: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg
Replies: 64
Views: 7247

Re: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg

double or nothing, this time with his personal funds.
by boglephreak
Thu Apr 20, 2017 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Refinancing
Replies: 4
Views: 684

Student Loan Refinancing

A friend of mine is a recently graduated student who is working full-time. She is working hard to pay off her student loans and wants to consolidate the remaining loans to get a lower interest rate. Ironically, because she is working so hard to pay the loans down she doesnt have savings, and she was...
by boglephreak
Tue Apr 04, 2017 12:34 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Corrected 1099
Replies: 8
Views: 1051

Re: Vanguard Corrected 1099

so, Vanguard fixed it by switching from average (or whatever the default is) to specid, and now its all good. funny enough, the original form was correct, but the "corrected form" was wrong, and the corrected, corrected form is the original form..... sigh.... Keep in mind that the IRS rec...
by boglephreak
Mon Apr 03, 2017 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Corrected 1099
Replies: 8
Views: 1051

Re: Vanguard Corrected 1099

so, Vanguard fixed it by switching from average (or whatever the default is) to specid, and now its all good. funny enough, the original form was correct, but the "corrected form" was wrong, and the corrected, corrected form is the original form..... sigh....
by boglephreak
Wed Mar 22, 2017 12:05 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Corrected 1099
Replies: 8
Views: 1051

Re: Vanguard Corrected 1099

thanks tiax.

just found this post as well, appears to be same/similar issue. i have sent a secure message, i guess i will call to get it escalated as well.

viewtopic.php?t=213035
by boglephreak
Tue Mar 21, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Corrected 1099
Replies: 8
Views: 1051

Vanguard Corrected 1099

I am very confused by what I have received from Vanguard. I sold int'l back in November at a loss of about $2000 to tax loss harvest. My original 1099 showed it as a loss of about that amount, and no wash. I just received a corrected 1099, which shows a loss of only about $500, and a wash of about $...
by boglephreak
Tue Feb 28, 2017 3:49 am
Forum: Investing - Theory, News & General
Topic: Time to invest
Replies: 18
Views: 2170

Re: Time to invest

yes, statistically now is the time. but, given your concerns, maybe you should dollar cost average it $10,000 a month for the next 10 months. in a year, this will be the best advice you ever received, or the worst. no one knows.
by boglephreak
Tue Feb 28, 2017 3:44 am
Forum: Investing - Theory, News & General
Topic: Buffett interview Monday 2/27
Replies: 38
Views: 4789

Re: Buffett interview Monday 2/27

i read the entire transcript. i do not think we are the target audience for that interview. a few interesting tidbits around the end and the statement regarding the market not being overvalued, but i wouldnt recommend it to anyone.
by boglephreak
Fri Feb 24, 2017 5:02 pm
Forum: Investing - Theory, News & General
Topic: PurePoint 1.25% online savings $10K min
Replies: 54
Views: 9590

Re: PurePoint 1.25% online savings $10K min

not sure its worth the hassle of moving my money from ally, but it is better. i wonder if this is going to be a new trend of savings rates increasing, especially considering anticipated fed rate increases.
by boglephreak
Tue Feb 21, 2017 1:09 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett v. Bogleheads
Replies: 40
Views: 4873

Re: Warren Buffett v. Bogleheads

nothing to reconcile. i dont follow generic investment philosophies especially ones as subjective as this one (assuming buffet even considers it an investment philosophy).
by boglephreak
Mon Feb 20, 2017 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Should we purchase a $1 Million dollar home with all cash?
Replies: 43
Views: 6118

Re: Should we purchase a $1 Million dollar home with all cash?

there is no wrong answer here. paying cash is a good idea. taking out a mortgage for a good portion of it (at today's low rates) is a good idea if you are investing the rest of the money. i also live in the bay area and have significantly paid off my home. i just refi'd at 2.75% and kind of regret p...
by boglephreak
Fri Feb 17, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: 2016 Relative Tax Efficiency
Replies: 43
Views: 6620

Re: 2016 Relative Tax Efficiency

any way to get same info for a higher tax bracket? say 33 fed, 9.3 state (CA). excel spreadsheet wouldnt let me edit. With the spreadsheet open, go to File and choose "Make a copy". Then edit the rate fields to your heart's content. Keep in mind any AMT considerations as mentioned earlier...
by boglephreak
Fri Feb 17, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: 2016 Relative Tax Efficiency
Replies: 43
Views: 6620

Re: 2016 Relative Tax Efficiency

any way to get same info for a higher tax bracket? say 33 fed, 9.3 state (CA). excel spreadsheet wouldnt let me edit.

edit: thanks for doing this. i relied on your same info in 2016 for my fund location.
by boglephreak
Thu Feb 16, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: What's a good analogy for average returns?
Replies: 45
Views: 3076

Re: What's a good analogy for average returns?

You need to take a difficult and frustrating course. You go to class. The professor offers two choices: 1. Leave now with a final grade of B+. 2. Take the course and be graded according to: 10% "A", 20% "B", 50% "C", 20% "D", and 10% "F". Bogleheads...
by boglephreak
Wed Feb 15, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Beating the market through behavioral finance.
Replies: 51
Views: 3569

Re: Beating the market through behavioral finance.

Is there a reason why staying the course is hard? for me personally, reading boglehead threads on small cap value, factors, etc. causes me to constantly want to tweak my portfolio. i am less than a year in to the boglehead approach though so havent really hit the point where i am 100% confident in ...
by boglephreak
Fri Jan 27, 2017 1:57 am
Forum: Investing - Theory, News & General
Topic: Bobbie Christensen "She explains how to find safe and secure investments with 100%+ growth per year."
Replies: 55
Views: 5525

Re: "She explains how to find safe and secure investments with 100%+ growth per year."

i think there is a typo in the seminar name. its supposed to be "Building My Financial Portfolio on Your $49 a Class."

i am curious what she is peddling though. not curious enough to give her any money, but curious nonetheless.
by boglephreak
Thu Jan 26, 2017 7:37 pm
Forum: Investing - Theory, News & General
Topic: Fidelity for Bogleheads?
Replies: 21
Views: 2625

Re: Fidelity for Bogleheads?

100% FSSVX (Fidelity small cap index fund), all at once.
by boglephreak
Tue Jan 24, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: my annual lessons the markets taught series, part 1
Replies: 8
Views: 1913

Re: my annual lessons the markets taught series, part 1

i like seeing these kinds of facts. These types of results are not at all unusual, For instance, the study “Black Swans and Market Timing: How Not To Generate Alpha,” which covered the 107-year period ending in 2006, found that the best 100 days (out of more than 29,000) accounted for virtually all ...
by boglephreak
Fri Jan 20, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Vacation Budget
Replies: 320
Views: 26906

Re: Annual Vacation Budget

we take one high-end international vacation a year. our philosophy is that we want to see and enjoy as much as possible in that country as we can in a short amount of time (due to vacation time restrictions), and thus tend to spend more. my wife also demands high end hotels (it is a constant struggl...
by boglephreak
Thu Jan 19, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 85
Views: 9940

Re: Fed Rate [may go] to 3% - [investing consequences?]

nisiprius wrote:snip

interesting graphs. now i know why interest on my undergrad loans (1998-2002) were so much higher than law school (2002-2005), and interest on my condo (2006) was insane.
by boglephreak
Thu Jan 19, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Fed Rate [may go] to 3% - [investing consequences?]
Replies: 85
Views: 9940

Re: Fed Rate [may go] to 3% - [investing consequences?]

am i reading this right? she wants to increase it from the current 0.75% to 3.0% by 2019? is that a dramatic increase (seems so to me), and is it common to hike it so much in a relatively short time period?
by boglephreak
Wed Jan 18, 2017 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does pharmacy school ranking matter?
Replies: 42
Views: 4648

Re: Does pharmacy school ranking matter?

i think location plays a very large part in the decision-making process. my wife is a pharmacist so i know a lot of pharmacists through her. one of the biggest factors in determining their abilities to get jobs appeared to be where they did their rotations during school. a lot of them ended up in pl...
by boglephreak
Tue Jan 17, 2017 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Tax forms for newly opened brokerage account
Replies: 25
Views: 1826

Re: Tax forms for newly opened brokerage account

Please wait. Then wait some more for the corrected forms. Then wait even more for the corrections to the corrected forms. After all, we're talking about Vanguard here. I file in October after filing for an extension in April. Everybody should do that. is it really that bad with Vanguard? i prefer n...

Go to advanced search