Search found 91 matches

by clast
Sun Aug 14, 2016 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: You have $10 Million and 10 years to live. What would you do?
Replies: 55
Views: 5108

Re: You have $10 Million and 10 years to live. What would you do?

Grt2bOutdoors wrote:Work from home.
Spend more time with family.
Exercise more.
Hire a landscaper to mow my lawn. :)


You could get exercise by mowing your lawn. It's like trying to park close to the gym entrance only to run 3 miles on the treadmill!
by clast
Sat Jul 23, 2016 12:06 am
Forum: Personal Consumer Issues
Topic: Very strange discovery on Google [use tracking/privacy]
Replies: 23
Views: 3659

Re: Very strange discovery on Google

Look for a way in Google to "sign out all other sessions". See if the searches from your relative stop showing up in your history. Or just ask your relative to go to his/her computer and go to google and see if it's logged in as you.
by clast
Fri Jun 24, 2016 10:53 pm
Forum: Investing - Theory, News & General
Topic: Tax-advantaged accounts for early retirement?
Replies: 24
Views: 2308

Re: Tax-advantaged accounts for early retirement?

There's a web site (a blog, really) called gocurrycracker.com that I recommend you check out. The guy was in a similar situation to you and retired early. He documents with great detail all the ways he minimized taxes using 401k, roth conversions, etc. Here's a good starting post: http://www.gocurry...
by clast
Sun Jun 19, 2016 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding and choosing bonds
Replies: 8
Views: 1194

Re: Help understanding and choosing bonds

For someone in the original poster's shoes, except in a state with no income tax (Texas), which bond fund would you all recommend? Is Vanguard's Intermediate-Term Tax-Exempt Fund Admiral Shares (VWIUX) a good choice?
by clast
Sun Jun 19, 2016 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 70
Views: 7196

Re: Who has needed to use their umbrella insurance?

Caught my attention. Do you actually get a $5 million umbrella policy for $400 a year? If so, who is your insurance carrier? I'm paying a lot more than that. It's State Farm. In order to add umbrella, I first had to increase my auto (with State Farm) to the maximum, which I believe is $500k liabili...
by clast
Wed Jun 15, 2016 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Who has needed to use their umbrella insurance?
Replies: 70
Views: 7196

Re: Who has needed to use their umbrella insurance?

Great question. Since the cost is about $400/year for up to $5 million liability, that works out to a pretty low statistic of folks having to use it. Actuaries correct me if I'm wrong, but I think this thread will probably have to get on the order of 10,000 views before someone reads it who has had ...
by clast
Wed Jun 15, 2016 10:04 pm
Forum: Investing - Theory, News & General
Topic: Bogle says "You don't need bonds ?"
Replies: 68
Views: 8682

Re: Bogle says "You don't need bonds ?"

Does anyone know if the webinar will be available to listen to again? I was on a boat (with no internet) going 50 knots between Argentina and Uruguay, and I missed it!
by clast
Fri Jun 10, 2016 11:43 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 118
Views: 6880

Re: What is your overall portfolio weighted expense ratio

lostdog wrote:
lostdog wrote:
When I used this in my spreadsheet it came up with 5%.


I found the issue. I have to format the cell as "number" instead of percent.



Yeah I had to divide the value by 100 so it makes sense when formatted as a percent.
by clast
Thu Jun 09, 2016 8:08 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 118
Views: 6880

Re: What is your overall portfolio weighted expense ratio

0.14% here.

BTW for anyone using Google Spreadsheets, you can get the expense ratio for a mutual fund almost the same way you can get the current price:

= GOOGLEFINANCE("VTSAX","expenseratio")
by clast
Thu Jun 09, 2016 12:14 am
Forum: Personal Finance (Not Investing)
Topic: Company Being Acquired - Any Advice?
Replies: 36
Views: 4080

Re: Company Being Acquired - Any Advice?

I'm not sure exactly how RSUs work versus normal stock options, but if you hold them for a year after they vest (and you exercise them), you may get long-term capital gains versus short-term. (Long-term capital gains taxes are much lower than short-term).
by clast
Thu Jun 09, 2016 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Non-Resident Alien investor – Portfolio review/some questions! (Argentina + Germany)
Replies: 13
Views: 996

Re: Non-Resident Alien investor – Portfolio review/some questions! (Argentina + Germany)

Are you in Buenos Aires? I'm a Boglehead yanqui* living in BA. We should do a BA bogleheads meetup.

*yanqui = yankee = north american, for those who don't know
by clast
Sun Jun 05, 2016 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of dumping REIT - thoughts?
Replies: 20
Views: 2228

Re: Thinking of dumping REIT - thoughts?

This blogger jlcollinsnh talks about his decision to sell his REIT holdings here:

http://jlcollinsnh.com/2014/05/27/stock ... rom-reits/
by clast
Mon May 30, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: Things to Do and See on Kauai, Hawaii
Replies: 71
Views: 4312

Re: Things to Do and See on Kauai, Hawaii

Good comments so far. See the canyon. The helicopter ride (Blue Hawaiian I think) isn't cheap, but it was worth it. If you like sushi, go to the Hanalei Dolphin on the north side of the island. The zodiac raft ride was great. It starts from the south side of the island, and goes around the west side...
by clast
Thu May 26, 2016 10:42 pm
Forum: Investing - Theory, News & General
Topic: Do you own Vanguard actively managed Equity funds?
Replies: 48
Views: 4135

Re: Do you own Vanguard actively managed Equity funds?

TomatoTomahto wrote:I add $75k to PRIMECAP every year; the max we can do, as it's closed to new investors and has limited additional purchases. I own it because it does quite well.


How do you add $75k per year? I thought it was limited to $25k/year. I'd love to add more.
by clast
Wed May 25, 2016 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Geico or State Farm - auto insurance
Replies: 19
Views: 1843

Re: Geico or State Farm - auto insurance

I've been with State Farm for a long time. I know I could save money by switching, I also have my umbrella insurance through State Farm, as well as my renter's insurance. Does anyone know if Geico or Progressive offer umbrella insurance and renter's insurance? EDIT: Ok I was lazy. I just googled and...
by clast
Sun May 15, 2016 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Protect Assets by Transferring to "Low-Risk" Spouse?
Replies: 11
Views: 1249

Re: Protect Assets by Transferring to "Low-Risk" Spouse?

Could you transfer it to an irrevocable trust that would be instructed to transfer it back to you after X years (where X is when you are no longer liable for your old law firm's actions)? This may have tax implications.. I'm not sure.
by clast
Sat May 14, 2016 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Do you move after your home has appreciated by $500K?
Replies: 38
Views: 3881

Re: Do you move after your home has appreciated by $500K?

You know the trick of "tax-gain harvesting", where if you have low income for a given year, you sell your stocks/funds with gains and re-purchase them immediately, locking in the 0% gains for that year, and stepping up the basis? I wonder if you could do this with your house. Sell your hou...
by clast
Sun May 01, 2016 12:07 am
Forum: Personal Finance (Not Investing)
Topic: tax shelter for passive income?
Replies: 6
Views: 889

Re: tax shelter for passive income?

I was going to say "Solo 401k", but then I noticed your last sentence says it is "passive income." I think that means a 401k won't help (nor will an IRA). If you have a high-deductible health plan (HDHP), maybe you can contribute to an HSA ($3350 for 2016)? Good question, I'd lik...
by clast
Thu Apr 28, 2016 9:59 pm
Forum: Personal Consumer Issues
Topic: Semi-Retirement and Mexico/Central America
Replies: 14
Views: 1692

Re: Semi-Retirement and Mexico/Central America

You might consider Argentina (visit first). The immigration is pretty open. If you can show recurring passive income of at least US$800/month (retirement, rent from a house you own, even an annuity), you can get a rentista residency visa. If you like the big city, Buenos Aires is your ticket - great...
by clast
Sun Apr 10, 2016 9:57 pm
Forum: Personal Consumer Issues
Topic: How to use iPhone 5S in Europe on wifi only?
Replies: 28
Views: 2395

Re: How to use iPhone 5S in Europe on wifi only?

I think if you pull the sim card out (don't lose it), you can be sure it isn't using cellular.
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: 431

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: 1904
Views: 448432

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: 1671

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: 485

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: 3755

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: 1177

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: 1177

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: 3295

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: 3644

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: 1028

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: 1028

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: 1842

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: 1167

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: 1666

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: 1666

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: 1243

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: 1243

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: 388

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: 2246

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: 1391

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: 4247

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: 2691

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: 388

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: 1140

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: 2548

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: 3987

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: 4501

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: 11
Views: 2854

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: 3057

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?

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