Search found 354 matches

by pop77
Sun May 13, 2018 5:13 pm
Forum: Personal Finance (Not Investing)
Topic: Quest for the perfect online savings bank
Replies: 18
Views: 2247

Re: Quest for the perfect online savings bank

...I should be able to link the account to my brokerage and checking accounts... The simple solution is just keep cash in your brokerage account. Who needs an extra account for a couple of tenths of a percent on a few thousand bucks? 10k? More? No need to keep too much in cash . Prime Money Market ...
by pop77
Sat May 12, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Quest for the perfect online savings bank
Replies: 18
Views: 2247

Quest for the perfect online savings bank

I have my online savings account with Discover and have been largely happy with it. Today I visited Depositaccounts.com and found many accounts providing higher interest rates. My current rate is 1.5% but I see rates as high as 2%. I really do not want the hassle of opening and closing accounts chas...
by pop77
Sun Apr 08, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification of index "trust" funds in 401k
Replies: 19
Views: 2115

Re: Clarification of index "trust" funds in 401k

http://i66.tinypic.com/3444myq.png The picture is a little blurry but it looks like the key details do not match that page. Does the ER, total assets, inception date, etc all match? It's hard for me to tell. Yes, the composition is the same. The expense ratio is ' negotiable' according to Vanguard'...
by pop77
Sat Apr 07, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification of index "trust" funds in 401k
Replies: 19
Views: 2115

Re: Clarification of index "trust" funds in 401k

These 'trust' funds are very confusing. I am finding it very difficult to figure out their NAV. Some times even a dollar difference can make a big difference in portfolio value. For example, my 401k (managed by Fidelity) holds Vanguard Total Bond Market Trust and says the NAV of this trust is 98.54...
by pop77
Sat Apr 07, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification of index "trust" funds in 401k
Replies: 19
Views: 2115

Re: Clarification of index "trust" funds in 401k

These 'trust' funds are very confusing. I am finding it very difficult to figure out their NAV. Some times even a dollar difference can make a big difference in portfolio value. For example, my 401k (managed by Fidelity) holds Vanguard Total Bond Market Trust and says the NAV of this trust is 98.54...
by pop77
Sat Apr 07, 2018 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification of index "trust" funds in 401k
Replies: 19
Views: 2115

Re: Clarification of index "trust" funds in 401k

These 'trust' funds are very confusing. I am finding it very difficult to figure out their NAV. Some times even a dollar difference can make a big difference in portfolio value. For example, my 401k (managed by Fidelity) holds Vanguard Total Bond Market Trust and says the NAV of this trust is 98.54....
by pop77
Tue Apr 03, 2018 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Magic Number - Approach considering Social Security and Pension
Replies: 14
Views: 1448

Re: Magic Number - Approach considering Social Security and Pension

Pop77, This is the spreadsheet I would have come up with for the original statement. I added columns for different savings balances and savings growth rate. http://i65.tinypic.com/2uj2eqg.jpg http://i63.tinypic.com/29279zb.jpg http://i64.tinypic.com/210iuzd.jpg All columns have 2% inflation taken i...
by pop77
Tue Apr 03, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Magic Number - Approach considering Social Security and Pension
Replies: 14
Views: 1448

Re: Magic Number - Approach considering Social Security and Pension

Any retirement withdrawal model such as FireCalc or some more recent one's with more bells and whistles includes options to begin income steams such as pensions and SS at some point in time while withdrawing the remainder from the portfolio in question. Naturally this models taking larger withdrawa...
by pop77
Tue Apr 03, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Magic Number - Approach considering Social Security and Pension
Replies: 14
Views: 1448

Re: Magic Number - Approach considering Social Security and Pension

The 1.8 million may be your spend, but it doesn't tell you how much you need to have saved by age 55. You would need to bring all the numbers back to age 55 by removing the inflation portion to know how much you need to have saved by age 55. It's easier in my mind if you would just leave out inflat...
by pop77
Tue Apr 03, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Magic Number - Approach considering Social Security and Pension
Replies: 14
Views: 1448

Magic Number - Approach considering Social Security and Pension

I want to get a confirmation on arriving at the 'magic number' when one has a pension and social security. This is an example, one can tweak it with their own numbers. Here are the assumptions: Expenses at Retirement : 60,000 Age of retirement: 55 Inflation: 2% Expenses at 65: 73,140 Expenses at 70:...
by pop77
Wed Feb 14, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: 30 yr tips auction 2/15: 1.0% yield?
Replies: 172
Views: 15830

Re: 30 yr tips auction 2/15: 1.0% yield?

Question for those who are buying TIPS in large amounts, do you buy them in regular taxable? If you cannot buy them in 401 k, then is it efficient to buy them in taxable? I have my REIT allocation that takes a good portion of my Roth.
by pop77
Sat Jan 20, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 190
Views: 35160

Re: What's your U.S. : International ratio?

100-0 All U.S. Portfolio! I followed Jack's advice and get my international through the S&P or Total Market Index. The accidental tourist if you will. I disagree with Jack on this one. What your are missing is international companies selling into US markets. Think Nestle, UniLever, Diageo, Samsung ...
by pop77
Sat Jan 20, 2018 4:55 pm
Forum: Investing - Theory, News & General
Topic: Reconciling thoughts on Investing Vs Paying down mortgage
Replies: 15
Views: 2069

Re: Reconciling thoughts on Investing Vs Paying down mortgage

Epochalypse wrote:
Sat Jan 20, 2018 11:32 am
Just wanted to pop in to say thanks for this discussion. Very informative.
:D Good one.
by pop77
Sat Jan 20, 2018 4:54 pm
Forum: Investing - Theory, News & General
Topic: Reconciling thoughts on Investing Vs Paying down mortgage
Replies: 15
Views: 2069

Re: Reconciling thoughts on Investing Vs Paying down mortgage

compounding interest :oops: It makes your savings prosper, but costs you dearly when you are the debtor. Prepay a 30 year mortgage so that it will amortize over 15 instead of 30 years, and your ROI will be over 25% without having to do the math for your specific situation. And this return is tax fr...
by pop77
Fri Jan 19, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Reconciling thoughts on Investing Vs Paying down mortgage
Replies: 15
Views: 2069

Re: Reconciling thoughts on Investing Vs Paying down mortgage

Here is another way to look at it, which should resolve the issue. Option A: Invest in bonds in taxable account (your option 3) Option B: Pay down mortgage (your option 2) Option C: Invest in stock in taxable account (your option 1) Option D: Pay down mortgage, and move an equal amount from bonds t...
by pop77
Wed Jan 17, 2018 7:20 pm
Forum: Investing - Theory, News & General
Topic: Is lump sum or dollar cost averaging more in line with boglehead values?
Replies: 22
Views: 1716

Re: Is lump sum or dollar cost averaging more in line with boglehead values?

Can the decision be influenced by market valuation? I know future is uncertain, but has there been any study on whether DCA works better than lump sum if the valuation the asset class is higher compared to historical levels? And lump sum works better if the valuation is lesser than historical avera...
by pop77
Wed Jan 17, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Is lump sum or dollar cost averaging more in line with boglehead values?
Replies: 22
Views: 1716

Re: Is lump sum or dollar cost averaging more in line with boglehead values?

Can the decision be influenced by market valuation? I know future is uncertain, but has there been any study on whether DCA works better than lump sum if the valuation the asset class is higher compared to historical levels? And lump sum works better if the valuation is lesser than historical averag...
by pop77
Wed Jan 17, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: Reconciling thoughts on Investing Vs Paying down mortgage
Replies: 15
Views: 2069

Re: Reconciling thoughts on Investing Vs Paying down mortgage

However, as you near retirement, when you look at a portfolio from the point of view to support expenses, it might make sense to pay down the mortgage even if it is at a lower cost. Let us look at an example. Expenses without mortgage: 40,000 Mortgage Expenses : 28,000 Mortgage left: 240,000 Mortga...
by pop77
Mon Jan 15, 2018 6:28 pm
Forum: Investing - Theory, News & General
Topic: Reconciling thoughts on Investing Vs Paying down mortgage
Replies: 15
Views: 2069

Re: Reconciling thoughts on Investing Vs Paying down mortgage

Yes, liquidity is an issue. For my analysis, I am assuming that you have enough emergency cash and have a portfolio that matches your risk profile (so already has bonds) that you can use to rebalance.

Thanks for reiterating about the homestead protection.
by pop77
Mon Jan 15, 2018 12:37 pm
Forum: Investing - Theory, News & General
Topic: Reconciling thoughts on Investing Vs Paying down mortgage
Replies: 15
Views: 2069

Reconciling thoughts on Investing Vs Paying down mortgage

I know there have been innumerable threads on the topic. However the two sides stand firm on their decision.I do not consider the BH forum to be too emotional to pick a significantly less optimal solution even though it makes them feel good. So I have been trying to understand why a forum that consi...
by pop77
Sun Jan 07, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Asset Class combination analysis
Replies: 4
Views: 390

Re: Asset Class combination analysis

Of these three portfolios, portfolio 1 had the best risk-adjusted return; this is what the Sharpe Ratio does. (The CAGR isn't the number to use for comparison, though; you want the IRR, Internal Rate of Return, but that number can be computed from the standard deviation and the Sharpe ratio.) Howev...
by pop77
Sun Jan 07, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Asset Class combination analysis
Replies: 4
Views: 390

Asset Class combination analysis

Currently I have allocated 5% each to EM Bond, Real Estate and International Real Estate. All are in my Roth accounts. After re-reading Swensen, I want to check how this has done against say a simple allocation of 15% to just real estate. So I used portfolio visualizer to back test 3 portfolios Port...
by pop77
Sat Jan 06, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 70807

Re: Quicken's future direction - a cause for concern

I caved in and upgraded to 2018 as well when they had the 40% off sale. I went with the two year subscription for 90 dollars. My feelings are mixed. 1. Everything worked without any nightmares. The upgrade was smooth. Quicken was able to convert my 2015 data file and all the reports worked as before...
by pop77
Sat Jan 06, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Patience And Diversification Crucial
Replies: 51
Views: 6919

Re: Larry Swedroe: Patience And Diversification Crucial

Certainly international and value investors have required patience over the last decade. For the former that patience is finally being rewarded but for the latter the waiting continues. I find periodically peeking at the Callan table https://www.bogleheads.org/wiki/Callan_periodic_table_of_investme...
by pop77
Fri Jan 05, 2018 7:33 am
Forum: Personal Consumer Issues
Topic: Attitude about growth in career when you are within 10 years of FI
Replies: 15
Views: 2132

Re: Attitude about growth in career when you are within 10 years of FI

Thanks for all the valuable comments. After re-reading what I wrote and your perspectives, may be this is a classic burnout case. However, I want to clarify something if it was not clear in my original post. My job itself is complicated and challenging and I am doing well at my job, my performance r...
by pop77
Thu Jan 04, 2018 6:57 pm
Forum: Personal Consumer Issues
Topic: PSA: H&R Block Deal of the Day on Amazon (1/4)
Replies: 15
Views: 1822

Re: PSA: H&R Block Deal of the Day on Amazon (1/4)

If Amazon offers 5% bonus on refunds, if you get refund more than 400, then the software is essentially free..
by pop77
Thu Jan 04, 2018 5:07 pm
Forum: Personal Consumer Issues
Topic: Attitude about growth in career when you are within 10 years of FI
Replies: 15
Views: 2132

Attitude about growth in career when you are within 10 years of FI

This is more of a philosophical/psychological question, sometimes it is hard to express how you feel through words, so please bear with me. As I look back at my career I find in the last few years, I am less ambitious in my career, not learning to improve my skill as much I used to, not put much eff...
by pop77
Thu Jan 04, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Maintenance Contract - Worth it?
Replies: 17
Views: 677

Re: Annual Maintenance Contract - Worth it?

neilpilot wrote:
Thu Jan 04, 2018 3:33 pm
My furnace came with a 10/20 year parts warranty. Since your house is relatively new, is there also a warranty still in effect?
Good point, i need to check that. Thanks!
by pop77
Thu Jan 04, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Maintenance Contract - Worth it?
Replies: 17
Views: 677

Re: Annual Maintenance Contract - Worth it?

Thanks! I will double check the prices. I had one phone conversation and I doubt whether the price was 92. I don't know whether the person said the price comes "to" 92 or "two" 92 :oops: . Two zones of heating and cooling. In NE. I can always call in case of trouble and especially as there is no ins...
by pop77
Thu Jan 04, 2018 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Annual Maintenance Contract - Worth it?
Replies: 17
Views: 677

Annual Maintenance Contract - Worth it?

I am thinking of doing an annual maintenance contract for heating/cooling at home. The contractor charges 292 per year for two visits once in spring and once in fall. There is no insurance component, if there are any repairs, that costs additional (get 10% discount on parts). Is it worth it? House i...
by pop77
Mon Jan 01, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: One More Invest now or later in IBond question
Replies: 3
Views: 474

Re: One More Invest now or later in IBond question

Thanks. The money is currently in high yield savings (1.35 APY).I would be bad if it went back to 0 :oops:
by pop77
Mon Jan 01, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: One More Invest now or later in IBond question
Replies: 3
Views: 474

One More Invest now or later in IBond question

New Year is here, and as usual we all have questions on whether to invest in Ibonds now or wait till May to see whether the fixed rate goes up. With the recent rate hike, will the rates go up in May?
by pop77
Thu Dec 28, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 73
Views: 6888

Re: Giving up on Quicken? (and expense tracking software altogether)

This place has Deluxe 2017 for $27. They often have coupon codes too. I got 2017 Home & Business for under $30. It was a mailed, sealed, legit copy. I've had no problems. https://www.thepcconnectstorellc.com/products/taxact-2016-premium I know the url says taxact, but it is Quicken. Here is the H&B...
by pop77
Thu Dec 28, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 73
Views: 6888

Re: Giving up on Quicken? (and expense tracking software altogether)

I’m a little confused. You said you don’t have Quicken store your passwords on cloud but said your quicken will expire. As I understand it the expiration has to do with being able to use direct connect where quicken stores your FI logins and passwords. If you are just logging in to each fin site an...
by pop77
Thu Dec 28, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 73
Views: 6888

Re: Giving up on Quicken? (and expense tracking software altogether)

Since you can buy versions that are still good for 2 years out, what is the benefit to buying a much more expensive subscription? Am I missing something? I may buy a subscription when I have no other options. Yes I potentially can. Was wondering the new version has any new features to make it worth...
by pop77
Thu Dec 28, 2017 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: Giving up on Quicken? (and expense tracking software altogether)
Replies: 73
Views: 6888

Re: Giving up on Quicken? (and expense tracking software altogether)

Any feedback from those who went with the subscription model. Quicken is having a 40% off sale and want to take advantage of it . I have a couple of more months till my current Quicken (2015) can no longer download transactions. To clarify I download from bank to my local drive but have never found ...
by pop77
Sat Nov 11, 2017 6:09 pm
Forum: Investing - Theory, News & General
Topic: "The small-cap effect really has failed to materialize"
Replies: 37
Views: 6094

Re: "The small-cap effect really has failed to materialize"

Chart comparing Vanguard S&P 500(VFINX) to Vanguard Midcap (VMCPX), Small Cap (VSCPX) and Vanguard Total Market (VTSAX) http://quotes.morningstar.com/chart/fund/chart?t=VFINX®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShow...
by pop77
Fri Nov 10, 2017 10:14 am
Forum: Investing - Theory, News & General
Topic: "The small-cap effect really has failed to materialize"
Replies: 37
Views: 6094

Re: "The small-cap effect really has failed to materialize"

Chart comparing Vanguard S&P 500(VFINX) to Vanguard Midcap (VMCPX), Small Cap (VSCPX) and Vanguard Total Market (VTSAX) http://quotes.morningstar.com/chart/fund/chart?t=VFINX®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22showNav%22%3Atrue%2C%22defaultShowN...
by pop77
Sun Oct 22, 2017 5:31 am
Forum: Investing - Theory, News & General
Topic: Long term viability of Real Estate as an asset class
Replies: 38
Views: 3798

Re: Long term viability of Real Estate as an asset class

I understand Vanguard Total Market has Real Estate inbuilt in it. This question is for those who own Real Estate as a separate weighting in their portfolio. I currently have 6% weight to real estate (3%VNQ and 3% VNQI). I want to increase this to 10 % (5% VNQ and 5% VNQI). I am not worried about sh...
by pop77
Sun Oct 22, 2017 5:30 am
Forum: Investing - Theory, News & General
Topic: Long term viability of Real Estate as an asset class
Replies: 38
Views: 3798

Re: Long term viability of Real Estate as an asset class

dbr wrote:
Sat Oct 21, 2017 9:35 am
REIT stocks are not holding real estate as an asset class.
What do you mean?
by pop77
Sat Oct 21, 2017 8:05 am
Forum: Investing - Theory, News & General
Topic: Long term viability of Real Estate as an asset class
Replies: 38
Views: 3798

Long term viability of Real Estate as an asset class

I understand Vanguard Total Market has Real Estate inbuilt in it. This question is for those who own Real Estate as a separate weighting in their portfolio. I currently have 6% weight to real estate (3%VNQ and 3% VNQI). I want to increase this to 10 % (5% VNQ and 5% VNQI). I am not worried about sho...
by pop77
Wed Jul 12, 2017 7:39 am
Forum: Investing - Help with Personal Investments
Topic: Roth Vs Backdoor Roth
Replies: 9
Views: 1200

Re: Roth Vs Backdoor Roth

The only constraint that applies is you can each only contribute a total of $5500 to your Roth + tIRA combined. The conversion step has no dollar limit at all. But it is critical that you practice filling out an IRS 8606 tax form to see how documenting the backdoor works. Be aware that in line 6 a ...
by pop77
Wed Jul 12, 2017 7:38 am
Forum: Investing - Help with Personal Investments
Topic: Roth Vs Backdoor Roth
Replies: 9
Views: 1200

Re: Roth Vs Backdoor Roth

Duckie wrote:
pop77 wrote:I want to confirm that I can contribute to Roth directly ($1500 I already did) and indirectly (through backdoor for the remaining 9500) in same year.
As long as the contributions are for $5500 total to your account and $5500 total to your spouse's account, you're fine.
Thanks!
by pop77
Tue Jul 11, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Roth Vs Backdoor Roth
Replies: 9
Views: 1200

Re: Roth Vs Backdoor Roth

After three months of struggle, I think I will finally be able to roll over my traditional IRA to my 401k!. I want to confirm that I can contribute to Roth directly ($1500 I already did) and indirectly (through backdoor for the remaining 9500) in same year. I just want to go through backdoor roth fo...
by pop77
Sat Jun 17, 2017 2:06 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for the Experts Panel at the Bogleheads Conference?
Replies: 37
Views: 10793

Re: Got a Question for the Experts Panel at the Bogleheads Conference?

Is market cap based index investing amplifying the FAANG stock bubble?
What are the downsides of fundamental indexes?

Each provide an example of one financial concept that you believed strongly in which you have changed your position
by pop77
Wed Jun 14, 2017 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Pay Mortgage vs. Buy Bonds
Replies: 61
Views: 7171

Re: Pay Mortgage vs. Buy Bonds

I have been struggling with this question for a while. But it dawned on me that I should look at this more from a 'cost of capital' perspective. If I have a properly asset allocated portfolio based on my risk profile and have enough in dividends/fixed income to cover 10 years expenses to protect aga...
by pop77
Sun May 28, 2017 7:56 am
Forum: Investing - Theory, News & General
Topic: The Best Account for International Equities
Replies: 42
Views: 4914

Re: The Best Account for International Equities

Here is an interesting case study of how the spreadsheet proves your typical logical reasoning might be wrong. I have access to Vanguard Small Cap Institutional Plus (VSCPX) , Fidelity International Institutional (FSPNX) and Fidelity Emerging Markets Index (FPMIX) Institutional through 401k. The exp...
by pop77
Sun May 28, 2017 6:27 am
Forum: Investing - Theory, News & General
Topic: The Best Account for International Equities
Replies: 42
Views: 4914

Re: The Best Account for International Equities

Sure! In fact I don't have to change anything at all. With my personal tax situation (15% federal, 6% state), the tax efficiency spreadsheet shows that VBR [Vanguard Small Cap Value] has a tax cost of 0.21% and VXUS [Vanguard Total International] has a tax efficiency of 0.12%. So I should prefer VB...