Search found 71 matches

by clast
Fri Jan 22, 2016 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Watch Apps - tracking stocks and/or portfolio
Replies: 3
Views: 335

Re: Apple Watch Apps - tracking stocks and/or portfolio

I think a true Boglehead app would, when asked to view market prices, instead show you a picture of Jack Bogle, and would also play Jack saying, "Don't do something, just stand there!"

Image
by clast
Sat Jan 02, 2016 1:25 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 275999

Re: What Movie Have You Recently Watched?

Straight Outta Compton
Trailer: https://www.youtube.com/watch?v=rsbWEF1Sju0

If you like rap music, especially if you listened to late 80s/early 90s rap like Eazy-E, NWA, etc, or are just interested in the history of the 80s West Coast rap scene, you'll probably like the movie.
by clast
Sat Jan 02, 2016 1:14 am
Forum: Investing - Help with Personal Investments
Topic: Hedging against the future of healthcare costs by buying healthcare equities index?
Replies: 24
Views: 1373

Re: Hedging against the future of healthcare costs by buying healthcare equities index?

Wow, you and I think very much alike, and I haven't seen this strategy mentioned very often. I recently bought some of the Vanguard Health Care Fund (VGHAX) mainly for this reason. Without getting political here, I will say that I am afraid of how high health care costs will go in the US. And by hea...
by clast
Sat Dec 26, 2015 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Stock options - what questions should I be asking?
Replies: 3
Views: 406

Re: Stock options - what questions should I be asking?

Ask how many outstanding shares there are. Without this, you don't know what percent of the company your options will cover (if exercised). If they won't answer this question, I would start looking elsewhere (but don't forget to consider exercising your options if you quit, often you forfeit them if...
by clast
Tue Dec 15, 2015 10:40 pm
Forum: Investing - Theory, News & General
Topic: Wellington Fund [open to direct individual investors, closed to institutional]
Replies: 12
Views: 3109

Re: Wellington Fund closed to new investor again

jhfenton wrote:It doesn't show up as closed on the personal investor site. And it looked like it would let me exchange $50K into Wellington Admiral--although I canceled the transaction before submitting it.


Are you Flagship? Or did you own it previously?
by clast
Mon Dec 14, 2015 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: Overseas Windfall Tax [Dual citizenship]
Replies: 13
Views: 1000

Re: Overseas Windfall Tax [Dual citizenship]

I was under the impression that once you have the money you have to declare it. But what you said is something to consider. If you transfer the money out of your personal account fast enough (like within 30 days), you might be able to be considered just a "transfer agent" for tax purposes...
by clast
Mon Dec 14, 2015 12:55 am
Forum: Personal Finance (Not Investing)
Topic: Overseas Windfall Tax [Dual citizenship]
Replies: 13
Views: 1000

Re: Overseas Windfall Tax [Dual citizenship]

Will your windfall be a long-term capital gain? If so, the US taxes on it may not be terrible (23.8% maximum if it's a long-term capital gain, I believe). It would have been 15% in 2012 (ask me how I know), but the law changed. One other possible option is to set up a company in Hong Kong or somewhe...
by clast
Mon Dec 14, 2015 12:46 am
Forum: Investing - Theory, News & General
Topic: "Learning From the Oil Bust"
Replies: 17
Views: 2906

Re: "Learning From the Oil Bust"

This Coal ETF has fallen 85% in the last 4 years....I think I'm getting ready to pounce. http://finance.yahoo.com/q?s=KOL If you're looking at depressed coal stuff, take a look at ARLP. It's beat up majorly, has increased dividends for like 15 years, and the dividend is currently around 15% (though...
by clast
Wed Nov 25, 2015 9:27 pm
Forum: Personal Consumer Issues
Topic: Travel backpacks with removable backpack option
Replies: 42
Views: 2710

Re: Travel backpacks with removable backpack option

Instead of a detachable bag, I bought this $30 sea-to-summit daypack, which compresses down to the size of a racketball (maybe a bit smaller): http://www.amazon.com/Sea-Summit-Ultra- ... 002ZHS6JS/ I keep it inside my main 28L backpack, and use it when I just need a daypack. You can probably also bu...
by clast
Thu Nov 19, 2015 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Collective health insurance bargaining for the self employed
Replies: 10
Views: 806

Re: Collective health insurance bargaining for the self employed

Why can't you get an individual PPO plan in Texas? I thought the ACA increased the availability and affordability of such plans? What am I missing? Basically the plans were not profitable for the insurance companies, so they cancelled them. This article talks a bit about it (I'm giving the Google l...
by clast
Thu Nov 19, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Collective health insurance bargaining for the self employed
Replies: 10
Views: 806

Re: Collective health insurance bargaining for the self employed

Great question. I'm independent (self-employed), and I can no longer get an individual PPO plan in Texas. However, group plans are still available. So it made me wonder if a group of people can just get together and form a group, in order to get the plan they want, or better prices, or whatever. To ...
by clast
Thu Nov 12, 2015 10:02 pm
Forum: Personal Consumer Issues
Topic: Trouble Accessing .gov websites
Replies: 15
Views: 1420

Re: Trouble Accessing .gov websites

Are you in the US? More specifically, are you trying to access the .gov sites from a US IP address? I've noticed that many government web sites (from federal to local county sites) seem to block foreign IP addresses. I'm not sure if it's some lame attempt at security against foreign hacking or what,...
by clast
Thu Nov 12, 2015 9:49 pm
Forum: Investing - Theory, News & General
Topic: Craig Rowland not blogging anymore on Permanent Portfolio.
Replies: 3
Views: 1075

Re: Craig Rowland not blogging anymore on Permanent Portfolio.

The data is public, maybe it could be copied to the wiki somewhere and then updated by the community every year.
by clast
Fri Nov 06, 2015 11:22 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest decent health insurance options in Texas?
Replies: 16
Views: 1411

Re: Cheapest decent health insurance options in Texas?

Here's an article from the San Antonio Express news about the PPO plans being cancelled in Texas: http://www.expressnews.com/business/health-care/article/PPO-plans-drastically-reduced-in-6601150.php Group (employee) PPO plans are still around. I wonder why the economics works for group PPO plans but...
by clast
Mon Nov 02, 2015 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest decent health insurance options in Texas?
Replies: 16
Views: 1411

Re: Cheapest decent health insurance options in Texas?

Don't count on finding many (if any) PPOs here in Texas though. I'm in the same boat as the OP and I can only find one PPO in Texas (Scott & White), and their network doesn't include my doctor. Many companies cancelled their PPOs in Texas for 2016. Let me know what you end up finding. I may hav...
by clast
Sun Nov 01, 2015 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended 2016 HDHP/HSA PPO insurance plan for Texas resident?
Replies: 5
Views: 1046

Re: Recommended 2016 HDHP/HSA PPO insurance plan for Texas resident?

Open enrollment is open now and I just checked for Texas PPO plans. It looks like BCBS, Aetna, United HealthCare have all removed their Texas PPO plans as far as I can tell. The only plans showing up on Healthcare.gov are "Scott and White Health Plan". I'm not familiar with Scott & Whi...
by clast
Wed Oct 21, 2015 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended 2016 HDHP/HSA PPO insurance plan for Texas resident?
Replies: 5
Views: 1046

Recommended 2016 HDHP/HSA PPO insurance plan for Texas resident?

I'm a Texas resident and am looking for a new HDHP / HSA PPO plan for 2016. I was considering BCBS's Texas PPO plan, but they have discontinued it after 2015. Any recommendations?
by clast
Mon Oct 19, 2015 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Assurant Health insurance? (Texas) They're getting out of health insurance business
Replies: 2
Views: 325

Re: Replacement for Assurant Health insurance? (Texas) They're getting out of health insurance business

Reviving this thread from July... Assurant is getting out of the health insurance business, and I was planning on switching to Blue Cross Blue Shield Texas's PPO plan. But I just found out that BCBS will no longer offer PPO plans. So I can use BCBS's HMO plan, or I can find another provider. Any sug...
by clast
Sun Oct 04, 2015 8:12 pm
Forum: Local Chapters and Bogleheads Community
Topic: [Bogle T-Shirt Iron-On]
Replies: 16
Views: 2064

Re: Bogle "Che Guevera" T-shirt

Needs a caption:

"Viva la Indexación"
by clast
Sun Sep 20, 2015 8:55 pm
Forum: Investing - Theory, News & General
Topic: dynamic asset allocation, based on market crashing?
Replies: 19
Views: 1206

Re: dynamic asset allocation, based on market crashing?

Maybe you're talking about overbalancing? There are some threads about that on bogleheads. Also this:

http://thefinancebuff.com/embracing-bear-market.html
by clast
Wed Sep 02, 2015 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Laid off recently and would like job search advice.
Replies: 34
Views: 3933

Re: Laid off recently and would like job search advice.

hi Dan,

Give http://www.indeed.com a try, it pulls jobs from a ton of different web sites, and it can send you job alert emails every day with new postings.
by clast
Tue Jul 28, 2015 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: How and why to put your house in a trust in California
Replies: 16
Views: 2534

Re: How and why to put your house in a trust in California

I'm not sure how applicable this is, but may be worth looking into: I recently read this web site article from a Texas lawyer specializing in real estate and asset protection (I think he works with landlords a lot). One of his common tactics is to (1) put the house in an LLC, and then (2) file a DBA...
by clast
Tue Jul 28, 2015 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Assurant Health insurance? (Texas) They're getting out of health insurance business
Replies: 2
Views: 325

Replacement for Assurant Health insurance? (Texas) They're getting out of health insurance business

I currently have a HDHP with Assurant. I got a letter from them saying that after 12/31/2015 they will no longer offer coverage. This is a blessing, because I've been wanting to change for a while. I'd like recommendations on (1) a good HDHP plan in Texas for a healthy 41-year old (if health status ...
by clast
Tue Jul 07, 2015 9:15 pm
Forum: Investing - Theory, News & General
Topic: "Greece, global debt, and ongoing uncertainty."
Replies: 4
Views: 1064

Re: "Greece, global debt, and ongoing uncertainty."

As Jack Bogle says, "Don't do something, just stand there!"

https://youtu.be/Tk1woz1OQrc?t=4m56s
by clast
Thu Jul 02, 2015 11:58 pm
Forum: Personal Consumer Issues
Topic: MacBook Air - power issues
Replies: 16
Views: 2382

Re: MacBook Air - power issues

My girlfriend's 2013 Macbook Air started running out of battery charge quickly a while back. She finally brought it into the Apple store and they told her there was a problem that affected some Macbook's, including hers. They kept the computer for a day or two, replaced the battery, and the new one ...
by clast
Mon Jun 29, 2015 12:29 am
Forum: Investing - Theory, News & General
Topic: Puerto Rico Governor Says Island’s Debts Are ‘Not Payable’
Replies: 37
Views: 3688

Re: Puerto Rico Governor Says Island’s Debts Are ‘Not Payable’

To keep it on-topic, does anyone know which vanguard bond funds hold Puerto Rico bonds, or are otherwise affected?
by clast
Wed Jun 17, 2015 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring Abroad
Replies: 22
Views: 4197

Re: Retiring Abroad

If you're going to renounce US citizenship, you almost certainly would want to gain some other citizenship first. Being stateless has all kinds of problems. Getting another citizenship usually takes several years living in the new country, unless you buy one of the citizenships from Nevis & St. ...
by clast
Thu Jun 04, 2015 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: The All Seaon Portfolio by Tony Robbins
Replies: 8
Views: 1952

Re: The All Seaon Portfolio by Tony Robbins

Watch this "warning" about the market by Tony Robbins in 2010.

https://www.youtube.com/watch?v=y9HLTZdXCu8

As Jack Bogle says, "nobody knows nuttin."
by clast
Sat May 30, 2015 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Sell farmland or keep?
Replies: 20
Views: 2815

Re: Sell farmland or keep?

LuckBeALady wrote:Update- decided to sell the land by auction.

It sold for $2,000 an acre, well below the $2,700 per acre appraisal but similar to nearby parcels.


Do you know anything about the buyer and their plans?
by clast
Wed May 27, 2015 8:21 pm
Forum: Personal Consumer Issues
Topic: FBI background check: Go direct or use channeler?
Replies: 8
Views: 1452

Re: FBI background check: Go direct or use channeler?

Definitely use a channeler. I've used myfbireport.com and it's fast, and they produce reports that you can have Apostilled (not all channelers' reports can be Apostilled, from my understanding). If you can find a local place that does livescan fingerprints and submit them directly to a channeler, th...
by clast
Mon Apr 20, 2015 10:49 pm
Forum: Personal Consumer Issues
Topic: Southwest Credit Card Companion Pass
Replies: 14
Views: 2531

Re: Southwest Credit Card Companion Pass

1. Check out the site millionmilesecrets.com, it talks about all the bonuses you can use to get the companion pass. There should be another card you can get that gives you 50,000 miles (Chase has 4 in total, I think). Start with: http://millionmilesecrets.com/2014/11/05/great-timing-for-the-companio...
by clast
Thu Apr 09, 2015 11:11 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 8985

Re: Hypothetical End Game Scenario w/ 5M retirement account

I'm living on that much per year with 2 kids, a wife, and a mid to high 6 fig income. We seem to have all we need to be happy...we do need more vacations though. Good to hear your experience. Then you're doing just fine (I have no kids, so you're doing better than me!). And as for losing control, b...
by clast
Thu Apr 09, 2015 11:06 pm
Forum: Investing - Theory, News & General
Topic: My first quarter review of 2015's sure things
Replies: 12
Views: 3303

Re: My first quarter review of 2015's sure things

"Nobody knows nothin'" -- John Bogle

I have his voice burned into my brain, from this video:
https://www.youtube.com/watch?v=A0gQiz0pCyI
by clast
Thu Apr 09, 2015 10:57 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical End Game Scenario w/ 5M retirement account
Replies: 74
Views: 8985

Re: Hypothetical End Game Scenario w/ 5M retirement account

My situation is similar but I'm currently 41 and have about $6M invested (stock options that paid off a few years ago). I've had a few years to "get used to" this situation. Here's my 2 cents. There are certainly many things I still can't afford that I would do if I had more money. I conti...
by clast
Sun Feb 22, 2015 10:16 pm
Forum: Investing - Theory, News & General
Topic: Does it really make sense to use historic data before PCs?
Replies: 13
Views: 1441

Re: Does it really make sense to use historic data before PC

Another big change is 1971 - pre-gold-standard to post-gold-standard.
by clast
Mon Feb 09, 2015 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Early exercising of startup options: convenient or not?
Replies: 4
Views: 490

Re: Early exercising of startup options: convenient or not?

I am biased because when I was in your position, I exercised as soon as my options vested, and it worked out, saving me tons of money in taxes when the company was acquired. I also did it early enough that I was able to avoid AMT because the fair market value was low enough. As the value of your com...
by clast
Tue Jan 27, 2015 10:39 pm
Forum: Personal Finance (Not Investing)
Topic: IPO Windfall Checklist
Replies: 11
Views: 1898

Re: IPO Windfall Checklist

Read this forum (so far so good), and read The Bogleheads Guide to Investing:

http://amzn.com/1118921283 (unfortunately the 2014 edition isn't in paperback yet, but there is a kindle version).
by clast
Mon Jan 26, 2015 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Finding a good realtor
Replies: 12
Views: 882

Re: Finding a good realtor

Are there fee-only realtors? I've never bought a house, but when I do, I'd love to pay a fee every time they take me to see a property (this way there's no guilt-tripping), and then another fee when I actually purchase. This way, if I visit 2 properties, I pay less. If I visit 50, I pay more.
by clast
Wed Jan 21, 2015 9:53 pm
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 7775

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

Someone send him a copy of The Boglehead's Guide to Investing
by clast
Mon Jan 12, 2015 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Sanity check: turnover of my active management vs. Vanguard?
Replies: 11
Views: 2033

Re: Sanity check: turnover of my active management vs. Vangu

The market has been up since 2009, for a $5,300,000 account to have only a long term gain of $173,696 and a short term loss of $18,121, your portfolio either have a very high turnover rate or underperform significantly. I would move the money to Vanguard ASAP to save the money. I invested the money...
by clast
Sun Jan 11, 2015 12:33 am
Forum: Investing - Help with Personal Investments
Topic: Sanity check: turnover of my active management vs. Vanguard?
Replies: 11
Views: 2033

Re: Sanity check: turnover of my active management vs. Vangu

Thanks everyone for your input, it's very helpful. To answer the question from BL and Dale_G about whether I'm cashing out of stocks in order to get income - the answer is no. I have some income from a small business, and some cash set aside that I live off. The money invested in Vanguard and the pr...
by clast
Sat Jan 10, 2015 12:27 am
Forum: Investing - Help with Personal Investments
Topic: Sanity check: turnover of my active management vs. Vanguard?
Replies: 11
Views: 2033

Sanity check: turnover of my active management vs. Vanguard?

Hi everyone, I wanted to get opinions from the bogleheads on the amount of realized capital gains in my actively-managed mutual funds & stocks (at a private wealth manager) versus my Vanguard mutual funds. These are all in taxable accounts, so it really affects my net-of-tax returns. The numbers...
by clast
Sat Jan 03, 2015 2:12 am
Forum: Investing - Help with Personal Investments
Topic: My Return for 2014 for Wealthfront is less than 2%
Replies: 47
Views: 14596

Re: My Return for 2014 for Wealthfront is less than 2%

naveen wrote:My return for 2014 is paltry 1.3% compared to S&P.


Are you saying your returns are 1.3% more than the S&P? Or your returns are just 1.3% total?

Edit: Also, did you invest in wealthfront mid-year 2014? (please post exact date if you know)
by clast
Sat Jan 03, 2015 1:39 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 275999

Re: What Movie Have You Recently Watched?

Only Lovers Left Alive (2014) Trailer: https://www.youtube.com/watch?v=ycOKvWrwYFo I recommend it. It's about two vampires living in modern times, who have been married for a few hundred years. It made me think about what it would be like to have lived for 500 or 1000 years (imagine that compound in...
by clast
Mon Dec 15, 2014 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Managing a windfall & fixing my high-fee portfolio
Replies: 21
Views: 3789

Re: Managing a windfall & fixing my high-fee portfolio

Whatever you decide to do, it'd be great if you can an update here. I'm in a very similar situation with similar numbers (except I live in Texas) and I'm also looking to get out of paying about 1% per year.
by clast
Tue Dec 09, 2014 10:41 pm
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 3141

Re: Ad hoc travel to Antarctica

I won't need a hotel; I'll need a place to sleep. If all hotels, hostels, and B&Bs are taken, I'll stay in a bar all night. And if I end up getting sentenced to do landscaping work, it will make a terrific story ... for as long as I get my Antarctica, too. That is the right kind of attitude for...
by clast
Sun Dec 07, 2014 2:30 am
Forum: Investing - Theory, News & General
Topic: Advice on Stock Options
Replies: 8
Views: 1383

Re: Advice on Stock Options

I think point #9 on this Wealthfront blog post addresses it well: https://blog.wealthfront.com/year-end-financial-checklist-2014/ In short, if you exercise the options now (and thus, buy the shares), then sell the shares more than one year later, you will pay long-term capital gains tax, which is lo...
by clast
Tue Sep 30, 2014 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Early option exercise, non-public, large spread
Replies: 5
Views: 680

Re: Early option exercise, non-public, large spread

If I understand AMT correctly, even if you have to pay it now, you can "carry it forward" and get it back for years (someone will probably correct me if I'm wrong). But the bigger question is, when the stock has a liquidation event (IPO or company is acquired), you want to own your shares ...
by clast
Sat Sep 13, 2014 10:24 pm
Forum: Forum Issues and Administration
Topic: International investing and non-resident section
Replies: 6
Views: 1486

Re: International investing and non-resident section

I hope this isn't against the rules (I love this forum), but what about starting a separate "International bogleheads" forum? Actually I just checked, and "Bogleheads" is trademarked, so the forum name would probably have to be different, but same concept. This is becoming a bigg...

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