Search found 4321 matches

by inbox788
Tue Jan 16, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: Strange Life insurance product - keep or dump?
Replies: 15
Views: 983

Re: Strange Life insurance product - back of the envelope

Scenario 1: Keep life insurance. In 10 years, the death benefit will still be worth $282,583. There are no taxes or fees along the way. Does the 15% capital gains tax apply to the entire cash out value? Or some other value? Is there a cost basis to reduce from the policy premiums paid to subtract o...
by inbox788
Tue Jan 16, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 183
Views: 15499

Re: Why Buy Bonds If You Have A Mortgage?

A) Invest in your portfolio aka in my case (60/40) When you invest $100, are you not buying $40 in bonds? inbox788, I am investing $100 in my 60/40 portfolio. I believe that my 60/40 risk-adjusted return is better than my mortgage rate. KlangFool So you're not buying $60 in equities and $40 in bonds?
by inbox788
Tue Jan 16, 2018 9:21 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 183
Views: 15499

Re: Why Buy Bonds If You Have A Mortgage?

KlangFool wrote:
Tue Jan 16, 2018 9:19 pm
A) Invest in your portfolio aka in my case (60/40)
When you invest $100, are you not buying $40 in bonds?
by inbox788
Tue Jan 16, 2018 9:06 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 183
Views: 15499

Re: Why Buy Bonds If You Have A Mortgage?

For whatever reason, you choose to insist that extra money from not paying the mortgage can only be invested and compared with the bond fund. My point is you do not have to. It could be invested in a 60/40 portfolio. Again, that's not what I'm saying. I hope others aren't coming to the same misunde...
by inbox788
Tue Jan 16, 2018 8:48 pm
Forum: Personal Consumer Issues
Topic: PTO policy after international business travel
Replies: 51
Views: 2541

Re: PTO policy after international business travel

If the jet lag affects your so badly then be especially careful about driving. Excellent point. Take Taxis or Uber, both during your trip as well as for a few days after you return if impacts you so much. It's safer for you and everyone else. There are issues, the jet lag and your work requirements...
by inbox788
Tue Jan 16, 2018 12:33 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 183
Views: 15499

Re: Why Buy Bonds If You Have A Mortgage?

Please explain to me how liquidity is not a factor? If liquidity was a factor, I'd be solving that problem instead of hocking my house, borrowing money to invest in the market. We went through the liquidity issue a while back on on this thread. IF THE LOSS OF LIQUIDITY IS NOT A PROBLEM, that it is ...
by inbox788
Tue Jan 16, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?
Replies: 22
Views: 1413

Re: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?

Please explain "downside"? Why 100% and not a percentage mix with "Total Bond" in taxable? Downside: Bonds are not risk free, but in recent downturns, the worst drops have been less than 10%. So if I needed say $10k in an emergency, FCID insured accounts would have the full amount, but bonds have a...
by inbox788
Tue Jan 16, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 25
Views: 1677

Re: Cell Phone "family plans" Sprint for 4

I just did a speed test and got 13/3 Mbps with less than full connection. I think they are less throttled than you think. Update. It seems all Tracfone Verizon MVNO's are no longer throttled. Total Wireless is a Tracfone company. AFAIK they're all metered plans (Tracfone & Total). Not sure why they...
by inbox788
Tue Jan 16, 2018 12:18 am
Forum: Personal Consumer Issues
Topic: iPhone 5 storage space question
Replies: 4
Views: 353

Re: iPhone 5 storage space question

Which model 5 or how much storage does the iPhone have? Is she taking pictures or videos? How many pictures does she have on the phone right now? How many videos? How much free storage memory is on the phone? How storage space is Photos taking up? What about the next top 3 apps? What are the apps an...
by inbox788
Mon Jan 15, 2018 6:33 pm
Forum: Personal Consumer Issues
Topic: Are you finding any good values at Amazon anymore?
Replies: 169
Views: 18122

Re: Are you finding any good values at Amazon anymore?

Amazon is making the shift from profitless company to profitable company. Now that they've cornered the internet superstore market, they are starting to raise prices. Amazon just turned a profit for the eighth straight quarter A fast-growing and profitable Amazon is a scary Amazon. https://www.recod...
by inbox788
Mon Jan 15, 2018 5:48 pm
Forum: Personal Consumer Issues
Topic: FlipPhone
Replies: 18
Views: 1316

Re: FlipPhone

For limited users, the cheapest pay as you go is Tello (1 cent per text, 2 cents per MB, 3 cents per minute) and cheapest prepaid plans are probably RedPocket (as low as $60 per year). Don't know if this is most up to date, but Tello requires usage every 3 months. Not important if you use regularly...
by inbox788
Mon Jan 15, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on portfolio - need to diversify from RSU
Replies: 5
Views: 434

Re: Advice on portfolio - need to diversify from RSU

Emergency funds: Have 6 month expenses in online savings account Debt: 550k mortgage at 4.125% Tax Rate: 32% Federal, 9.3% State Desired Asset allocation: 70% stocks / 30% bonds 45.73% in Company RSU/ESPP (1) Should retirement accounts as target retirement funds? Will having individual Vanguard fun...
by inbox788
Mon Jan 15, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: FlipPhone
Replies: 18
Views: 1316

Re: FlipPhone

As long as 3G services are still around, you should be able to get phone service for about 5-10 cents per minute/text. Data doesn't make sense with these phones/plans. Was using this with various flip phones 10 years ago, and they still work. Buy a used phone off eBay (e.g. Moto KRZR or RAZR). https...
by inbox788
Mon Jan 15, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!
Replies: 26
Views: 4565

Re: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!

As someone who levers their bonds in a risk parity portfolio, bonds have been brutal since September. I'm taking a serious beating at the 2 year point on the yield curve. Happily, equities are being nice and cushioning the blow. I had to look up "levered bonds in risk parity portfolio". Interesting...
by inbox788
Mon Jan 15, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: ESPP help?
Replies: 12
Views: 841

Re: ESPP help?

Honestly I don't see a good reason *not* to sell. I made the fortunate mistake of holding on to some, and the cost basis is low percentage, so I have to pay high taxes to get out now. I would like to get out and diversify it, but can't stand the tax hit, so I'm waiting it out for an opportunity to ...
by inbox788
Mon Jan 15, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?
Replies: 22
Views: 1413

Re: Move to Tax-Exempt Bond in 32% Tax Bracket? What Proportion?

How low is the potential downside for vwiux? In % from current NAV If the rule of thumb is correct, VWIUX with a duration of 5 years, and interest rate increase of 1-2% would put the downside at 5-10%. Your yield would go up by 1-2%, so you'd make it up in about 5 years, if all else stays the same ...
by inbox788
Mon Jan 15, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 183
Views: 15499

Re: Why Buy Bonds If You Have A Mortgage?

A) 180K 100% stock with 120K mortgage which does not change my mortgage payment unless I recast the loan B) 300K 60/40 portfolio with the 300K mortgage. In a recession, the stock crash 50% and the bond stay flat. My annual expense is 60K per year. For (A), I can only last 90K/60K = 1 1/2 years. For...
by inbox788
Mon Jan 15, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: TSA locks for luggage
Replies: 17
Views: 1069

Re: TSA locks for luggage

What valuables are you bringing that you're not carrying on?
by inbox788
Mon Jan 15, 2018 12:07 am
Forum: Investing - Help with Personal Investments
Topic: ESPP help?
Replies: 12
Views: 841

Re: ESPP help?

I’ve been contributing to our stock plan for about 2 years. I get a 10% discount. I would like to start “flipping” it :). As soon as I can sell it I should sell it right? Should I sell everything I can to start the process? Should I worry about the taxes? It’s only around 4,500.00. I am new at this...
by inbox788
Sun Jan 14, 2018 11:47 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 183
Views: 15499

Re: Why Buy Bonds If You Have A Mortgage?

I borrow 300K from my mortgage to be invested in a 60/40 portfolio. And, if and when I pay off my mortgage, I will move 300K from my 60/40 portfolio to pay off the mortgage. Now, some other folks want to think about the negative bond or whatever does not make any sense to me. There are 2 issue at p...
by inbox788
Sun Jan 14, 2018 11:32 pm
Forum: Personal Consumer Issues
Topic: Pls help - what tablet will work for me?
Replies: 5
Views: 349

Re: Pls help - what tablet will work for me?

Are you really looking for a 2-in-1 laptop, are are you thinking of a tablet and a Bluetooth keyboard? What is your setup at home? You've got to decide if you're looking for a tablet and want to add a bluetooth keyboard or a 2-in-1 or simply a Chromebook. It will be difficult on your budget, but yo...
by inbox788
Sun Jan 14, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 28
Views: 1292

Re: Recommend an A.C. powered auto tire inflator

I use an air compressor bought from Harbor Freight. It's similar to this one but I don't recall if the brand is the same. You can generally buy them at a discount. https://www.harborfreight.com/air-tools/air-compressors/4-gal-2-hp-125-psi-twin-tank-air-compressor-62763.html It's useful for a variet...
by inbox788
Sun Jan 14, 2018 5:58 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 183
Views: 15499

Re: Why Buy Bonds If You Have A Mortgage?

I borrow 300K from my mortgage to be invested in a 60/40 portfolio. And, if and when I pay off my mortgage, I will move 300K from my 60/40 portfolio to pay off the mortgage. Now, some other folks want to think about the negative bond or whatever does not make any sense to me. There are 2 issue at p...
by inbox788
Sun Jan 14, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: where does one buy "health insurance" in the USA?
Replies: 17
Views: 1055

Re: where does one buy "health insurance" in the USA?

Nothing bad happening is always a good approach. I'm just not sure how I can arrange that. The system is setup so that some folks are best served by not buying insurance until they need it. If something bad happens, emergency rooms can't turn your away, and the no pre-existing condition clause mean...
by inbox788
Sun Jan 14, 2018 1:04 pm
Forum: Investing - Theory, News & General
Topic: 5-7 year timeframe- Mortgage payoff or taxable account?
Replies: 6
Views: 747

Re: 5-7 year timeframe- Mortgage payoff or taxable account?

How old are you and what is your AA? What is your AA if you treat mortgage as negative bond? What percentage of your monthly income is the mortgage payment? I expect the higher risk/reward thing to do is invest it in the taxable account in your AA. Do you expect you'll get more than 4-5% annual aver...
by inbox788
Sun Jan 14, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 183
Views: 15499

Re: Why Buy Bonds If You Have A Mortgage?

My 60/40 portfolio return on the average of 7% over the last 10 years. I have a 300K 30 years fixed 3.49% mortgage and 1.2 million 60/40 portfolio. The choice is between A) 1.2 million 60/40 portfolio and 300K 3.49% mortgage versus B) 900K 60/40 portfolio with no mortgage The mortgage plus property...
by inbox788
Sun Jan 14, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?
Replies: 39
Views: 4174

Re: Adding 200k to Portfolio, don't want boring old VTSAX again -your criticism, suggestion for a little extra risk?

I know the best thing to do is add to my 3fund portfolio(VTSAX, VBTLX, VTIAX), which I probably will end up doing with at least most of this money but I'm also just curious about maybe investing in some small-mid caps for potentially more growth with the added risk? What do you guys think? I have t...
by inbox788
Sun Jan 14, 2018 2:10 am
Forum: Investing - Help with Personal Investments
Topic: Help with 529 plan for the next 6-10 years
Replies: 7
Views: 1319

Re: Help with 529 plan for the next 6-10 years

I've taken a different tact, with 529 being a tax-advantaged account where post tax dollars are put in, but earnings are tax-free, I wanted higher potential earning working for me, so I chose 100% equities. I have sufficient flexibility in 401k/tIRA, Roth and taxable accounts so I can increase my bo...
by inbox788
Sat Jan 13, 2018 11:58 pm
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 45
Views: 2404

Re: Keeping sensitive documents in the cloud -- bad idea?

Dropbox and Google Drive encrypt your data both on their servers and also when the data is in transit. For very sensitive data, extra measures probably make sense, but for the typical user, I don't know. Dropbox https://www.dropbox.com/security compare https://www.virtru.com/blog/dropbox-encryption...
by inbox788
Sat Jan 13, 2018 11:41 pm
Forum: Investing - Theory, News & General
Topic: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!
Replies: 26
Views: 4565

Re: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!

You could say we have experienced a mini crash in bonds. Well, more like a tiny crash; make that a minuscule crash. Anyway, I'm buying more bonds simply because I'm getting older and gliding towards a higher bond portfolio, so a crash is a good thing just like when stock crashes are good for young b...
by inbox788
Sat Jan 13, 2018 11:27 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 183
Views: 15499

Re: Why Buy Bonds If You Have A Mortgage?

1) If you pay off the whole mortgage, you no longer need to pay your mortgage. You improve your monthly cash flow. 2) If you pre-pay a portion of your mortgage, you still need to pay the same amount of mortgage every month. Hence, you do not improve your monthly cash flow. Furthermore, you tied up ...
by inbox788
Sat Jan 13, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 154
Views: 12374

Re: How does everyone keep track of your portfolio?

I use a spreadsheet and manually update it by logging into the accounts, from top to bottom. I keep all the Vanguard funds in the same order as the website to make it faster. Including the logging on, I can update the 'Value' column within 5 minutes. I update the date column at the same time. Every...
by inbox788
Sat Jan 13, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 183
Views: 15499

Re: Why Buy Bonds If You Have A Mortgage?

1) Let's assume that we are not 100% stock and have a reasonable portfolio like 60/40. 2) Are you willing to bet that a 60/40 portfolio will beat 5% for most years? A) Yes, do not pre-pay the mortgage. B) No, pre-pay the mortgage. And, if you choose (A) and it does not work out, you take your loses...
by inbox788
Sat Jan 13, 2018 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old - Need help with picking 401k funds
Replies: 15
Views: 936

Re: 25 Year Old - Need help with picking 401k funds

Most of LifePath Index funds' stocks will be U.S. Large, Medium and Small cap stocks at market weight, with ~1/3 of stocks allocated to international equities (at market weight) and ~10% of stocks may even be in REITs, give or take. (A very efficient portfolio that is very Bogleheadish.) I'll also ...
by inbox788
Sat Jan 13, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Getting out of Whole Life Insurance
Replies: 15
Views: 955

Re: Getting out of Whole Life Insurance

While insurance salespeople aren't the most honest, you should take some responsibility in buying a product you don't fully understand. Maybe I missed it, but how much coverage did you buy? Might be a deal if it's $1B. Why did you buy this specific policy over other choices? Did you comparison shop?...
by inbox788
Sat Jan 13, 2018 7:07 pm
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 45
Views: 2404

Re: Keeping sensitive documents in the cloud -- bad idea?

In the second case, I would need Boxcryptor to be running on the second computer. I have tested this with a virtual machine and it works fine. I can store and encrypt documents in the cloud or my NAS and access them from another machine. I'm not sure why Boxcryptor is any more secure, especially if...
by inbox788
Sat Jan 13, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a bond fund
Replies: 19
Views: 1415

Re: Help me pick a bond fund

I still feel that the Virtue Seis intermediate-term bond fund is the better bond fund in your 403b. The fund is overweight in AAA credit quality U.S. government bonds, compared to its benchmark, and Argentine bonds are just 5.16% of the fund (see the "portfolio" tab for the fund on Morningstar). If...
by inbox788
Sat Jan 13, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 100
Views: 7422

Re: Kodakcoin

Yes, and I keep thinking "they couldn't even give it a good name." KodakCoin is virtually unpronounceable. Given the heritage of Kodacolor and Kodachrome (it has even gotten its name on the landscape, Kodachrome Basin in Utah), they obviously should have called it "Kodacoin." Idiots. They'll probab...
by inbox788
Sat Jan 13, 2018 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Sell or Keep a rental condo
Replies: 36
Views: 2300

Re: Sell or Keep a rental condo

Sounds like it's time to sell. I'm a landlord myself so rental real estate doesn't intimidate me at all. How much leverage do you think you have as far as increasing rent? Your numbers would be close to a toss-up for me unless you have upside for rent increases. As someone already said, a 7% return ...
by inbox788
Sat Jan 13, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help me pick a bond fund
Replies: 19
Views: 1415

Re: Help me pick a bond fund

- We are both 49 and both professors who will likely be at our current employers for the rest of our working lives. - We were 100% in equities until I got nervous in May 2017 and moved us to 30-70 (30% equity; 70% mix of bonds, mmkt, and stable value) Looks like you might be stuck with poor fund ch...
by inbox788
Sat Jan 13, 2018 2:21 am
Forum: Investing - Help with Personal Investments
Topic: Help me pick a bond fund
Replies: 19
Views: 1415

Re: Help me pick a bond fund

I suppose we could try: My 403b --> Fidelity Total Market Index Her 403b --> Vanguard Total International Index Vanguard Total Bond Index Either way it will be difficult to balance, and my wife is used to thinking of her 403b as her own diversified portfolio, so looking at our overall portfolio wou...
by inbox788
Fri Jan 12, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Dad's Portfolio
Replies: 6
Views: 1026

Re: Help with Dad's Portfolio

The goals we have agreed on are shown in red. One of the areas I would specifically appreciate comments on is the makeup of his bond portfolio, I am considering moving some of the corporates into government bonds (VCIT to VBTLX). Thanks AA is aggressive for his age, but I assume based on 2% withdra...
by inbox788
Fri Jan 12, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Cell Phone "family plans" Sprint for 4
Replies: 25
Views: 1677

Re: Cell Phone "family plans" Sprint for 4

I just did a speed test and got 13/3 Mbps with less than full connection. I think they are less throttled than you think. Update. It seems all Tracfone Verizon MVNO's are no longer throttled. Total Wireless is a Tracfone company. AFAIK they're all metered plans (Tracfone & Total). Not sure why they...
by inbox788
Fri Jan 12, 2018 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: "Emergency Fund" Strategy
Replies: 39
Views: 3829

Re: "Emergency Fund" Strategy

I've rejected the idea of a AA plus an emergency fund and have instead incorporated the EF into the AA. If you are starting out or require a large emergency fund, this may mean shifting the AA significantly. If you've amassed a large portfolio, then it means the EF is insignificant in the context o...
by inbox788
Fri Jan 12, 2018 4:53 pm
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 126
Views: 20610

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

I will never pay extra to pay off my 15 years fixed mortgage at 2.5%. I think I can do better than 2.5% with my investment. It's financially unwise to pay it off, in my humble opinion, given the opportunity cost. There, I said it. It’s financially unwise to play arbitrage with interest rates and sw...
by inbox788
Fri Jan 12, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: Strong Nearsighted Glasses - Tips Requested
Replies: 10
Views: 587

Re: Strong Nearsighted Glasses - Tips Requested

That's a strong prescription. I just got this info from quickly googling answers, so can't vouch for the accuracy, but this calculator predicts a very thick edge, nearly a cm in some cases. How thick is your 1.64 polycarbonate at thickest point? http://64.50.176.246/tools/thickness.php I've seen 1.7...
by inbox788
Fri Jan 12, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Pay off student debt at 1.95% or save for down payment?
Replies: 9
Views: 881

Re: Pay off student debt at 1.95% or save for down payment?

Cash - $10k in Ally savings at 1.25% Debt - $60k student loan at 1.95% / 5 year loan. The way I would think about this is if you had $60k in Ally savings at 1.25%, you could pay off the student loan. The opportunity cost of keeping the cash in the savings account is 0.7% or about $2100 (0.7*$60k*5)...
by inbox788
Thu Jan 11, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Keeping sensitive documents in the cloud -- bad idea?
Replies: 45
Views: 2404

Re: Keeping sensitive documents in the cloud -- bad idea?

For me it is, because I don't trust the current state of information security and I see it only getting worse. Therefore, I store nothing at all there. Same boat here. I have been contemplating using a home server for a while now, but I'm also weary about that. The possibility of sensitive informat...
by inbox788
Wed Jan 10, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: Help choosing a hatchback- civic, golf, prius and Volvo V60
Replies: 40
Views: 2093

Re: Help choosing a hatchback- civic, golf, prius and Volvo V60

That being said not surprised to see a lot of SUVs and minivans. They are bought by people with no passion for cars and just looking for a to b transport. That's an understatement. Toyotas have been compared to toasters, and I find value in trustworthy reliable toasters. In case you missed it, the ...