Search found 4075 matches

by rkhusky
Tue Aug 22, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 39
Views: 4013

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

I'm failing to understand one thing about this; why is a long, lowercase, English word only password better than a password of the same length which includes special characters, capitalization, etc.? It isn't. But it can be just as good as a much shorter random password, and easier to remember. The...
by rkhusky
Tue Aug 22, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Accidental Injury: Health Insurance definition
Replies: 25
Views: 930

Re: Accidental Injury: Health Insurance definition

I often hear people say someone "fell and broke their hip". I've been told that in some of those cases, the bone actually breaks and causes the fall. Are those accidents? Good hypo. And under my insurance company's definition of "accidental injury," the injury wouldn't qualify because it wasn't cau...
by rkhusky
Tue Aug 22, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: Mike Piper and CDs
Replies: 22
Views: 2221

Re: Mike Piper and CDs

taurabora wrote:
Tue Aug 22, 2017 1:56 pm
And they can be sold at a gain, should the stock market drop.
Is that true if interest rates increase at the same time the stock market drops?
by rkhusky
Tue Aug 22, 2017 2:15 pm
Forum: Personal Consumer Issues
Topic: Air Canada: Can I get refund for NONREF tickets?
Replies: 7
Views: 278

Re: Air Canada: Can I get refund for NONREF tickets?

You won't get the refund if you don't ask for it.
by rkhusky
Tue Aug 22, 2017 2:09 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 39
Views: 4013

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

... there's no way to go backwards to figure out your password. There's always a way, given enough time and compute resources. Ok, then let's mandate a policy to change all passwords every 30 days before "they" have enough time to complete their cracking effort! As with all risk management, one nee...
by rkhusky
Tue Aug 22, 2017 1:52 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 39
Views: 4013

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

MP123 wrote:
Tue Aug 22, 2017 1:38 pm
... there's no way to go backwards to figure out your password.
There's always a way, given enough time and compute resources.
by rkhusky
Tue Aug 22, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: 29 Years Old: Am I Too Conservative
Replies: 13
Views: 620

Re: 29 Years Old: Am I Too Conservative

It depends on when you plan to retire and how much you'll need in retirement. Age in bonds is a common conservative allocation, but that is probably geared for someone retiring at 65 with enough in the portfolio where a 4% withdrawal rate will provide their retirement needs. If you expect to retire ...
by rkhusky
Tue Aug 22, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 39
Views: 4013

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

What is the reason or logic behind requiring a password to be changed often? It seems to me that if a hacker is going to get into a password protected account they would have to do it once and it wouldn't make any difference whether the password had been in effect or two days or two years. And once...
by rkhusky
Tue Aug 22, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: 529 contribution and AA
Replies: 7
Views: 674

Re: 529 contribution and AA

I would put it into either the Aggressive or Moderate age-based portfolios and call it a day.
by rkhusky
Tue Aug 22, 2017 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice
Replies: 3
Views: 384

Re: Investment advice

Are 10 different ETF/index funds too much? Way too many 1 or 2 would be more than adequate. Especially with such small balances. Move them all to Total Stock Market, Total International, Total Bond and/or Total International Bond. Or use Total World for stocks. Or just get one fund - Target Retirem...
by rkhusky
Tue Aug 22, 2017 7:28 am
Forum: Personal Finance (Not Investing)
Topic: 529 plan tax deduction
Replies: 6
Views: 631

Re: 529 plan tax deduction

Erwin007 wrote:
Sun Aug 20, 2017 9:24 am
My guess would be yes (I am not a tax professional), but I would also guess that there would be instructions about this in each state's instructions.
+1 Check out each state's part-time resident tax forms. They may be different than the full-time resident forms.
by rkhusky
Tue Aug 22, 2017 7:03 am
Forum: Investing - Help with Personal Investments
Topic: 401k Allocation
Replies: 2
Views: 234

Re: 401k Allocation

Consider all your investments as part of one portfolio. That being said, you don't need to consider it part of your 401K, it can be its own category, like an IRA or a CD or a bank account. Some use bins such as taxable, tax-deferred and tax-exempt.
by rkhusky
Mon Aug 21, 2017 2:32 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 11715

Re: "Why" -- The Answer

this is known as "letting the tax tail wag the asset allocation dog". This implies that asset allocation is more important than taxes. It would obviously be better to be able to maintain your asset allocation and pay low taxes, but if prior decisions do not allow that, it is not clear to me that US...
by rkhusky
Mon Aug 21, 2017 2:04 pm
Forum: Investing - Theory, News & General
Topic: Total World (VT, VTWSX) Tilt? Simplicity...
Replies: 20
Views: 1437

Re: Total World (VT, VTWSX) Tilt? Simplicity...

If you want total market and simplicity for stocks, Total World seems like a good choice. Or for more simplicity, use target retirement or life strategy. Although you give up the all world ideal, the difference is not that great.
by rkhusky
Mon Aug 21, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: Mike Piper and CDs
Replies: 22
Views: 2221

Re: Wade Pfau and CDs

That sounds a lot like market timing and chasing CD rates does not seem like oblivious investing. Are CD's expected to outperform bonds over the next 20-30 years? And how much work do you need to do to get that out-performance? If you can buy a CD with a 5 year duration and get a markedly better yi...
by rkhusky
Mon Aug 21, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: Mike Piper and CDs
Replies: 22
Views: 2221

Re: Wade Pfau and CDs

That sounds a lot like market timing and chasing CD rates does not seem like oblivious investing. Are CD's expected to outperform bonds over the next 20-30 years? And how much work do you need to do to get that out-performance?
by rkhusky
Mon Aug 21, 2017 7:50 am
Forum: Investing - Help with Personal Investments
Topic: NewB Investor needs advice on asset allocation and execution
Replies: 4
Views: 345

Re: NewB Investor needs advice on asset allocation and execution

As you say that you are risk averse, I would start with Vanguard's Target Retirement 2040 fund (or similar low cost index TR fund at Fidelity or other companies). If you find that you are less risk averse than you initially thought, look at 2045 or 2050. If severely risk averse, look at 2035 or 2030...
by rkhusky
Mon Aug 21, 2017 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Recent Residency Graduate Seeking Assistance Graduating from Lifecycle Funds
Replies: 9
Views: 866

Re: Recent Residency Graduate Seeking Assistance Graduating from Lifecycle Funds

In the past, I took the easy road by investing in lifecycle funds, which worked out pretty well and saved me from thinking much. I am interested in optimizing my asset allocation beyond this approach, and would be grateful for your feedback. The Target Retirement funds have been optimized by Vangua...
by rkhusky
Mon Aug 21, 2017 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA as retirement nears
Replies: 26
Views: 2242

Re: Adjusting AA as retirement nears

I note that Vanguard's Target Retirement funds go to 50/50 at their target date and then glide to 30/70 over the following seven years (other company's TR funds are similar). I think 30/70 is a fine asset allocation for retirement. People talk about average returns and leaving money on the table, as...
by rkhusky
Mon Aug 21, 2017 7:06 am
Forum: Personal Finance (Not Investing)
Topic: How to Undo Backdoor Roth Completely
Replies: 10
Views: 1092

Re: How to Undo Backdoor Roth Completely

The best investment option in the 401k is worse than the Vanguard 500 Index Fund by a difference of 3% return annually. That translates to 1% in the remaining year. That is easily a thousand dollars or more for a large account. Isn't this worth the efforts of undoing the backdoor Roth? I suspect th...
by rkhusky
Sat Aug 19, 2017 12:35 pm
Forum: Investing - Theory, News & General
Topic: How Might Bogle View Proxy Vote Prop 7? Here's a Hint.
Replies: 9
Views: 1756

Re: How Might Bogle View Proxy Vote Prop 7? Here's a Hint.

I haven't read the proxy language yet, but want to point out that being more involved in corporate governance is different than not investing in certain companies in an index.
by rkhusky
Wed Aug 16, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Future TSP Investing Strategy
Replies: 2
Views: 340

Re: Future TSP Investing Strategy

If your expected retirement date is 2034, then being 60/40 in L2030/L2040 works fine. If you would like a 66/34 stock/bond ratio at the current time, then being 60/40 L2030/L2040 works fine. If you are happy with the L funds glide path, then you don't need to transfer anything between L2030 and L204...
by rkhusky
Tue Aug 15, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Short-Term Bond Index For Emergency Fund?
Replies: 11
Views: 960

Re: Vanguard Short-Term Bond Index For Emergency Fund?

I use Vanguard's Short Term, Limited and Intermediate Tax Exempt funds for an emergency fund and as part of my asset allocation. If my marginal rate was lower, I would have little qualms about using Short Term Bond as part of my EF.
by rkhusky
Tue Aug 15, 2017 10:48 am
Forum: Personal Consumer Issues
Topic: Big family, small house dilemma -- kid bedrooms in basement?
Replies: 23
Views: 2496

Re: Big family, small house dilemma -- kid bedrooms in basement?

Check with the kids. They may not want separate bedrooms, especially now when they are young. And perhaps they would rather have the downstairs be turned into a game room. The main problem is the number of bathrooms, not the number of bedrooms.
by rkhusky
Tue Aug 15, 2017 7:01 am
Forum: Investing - Theory, News & General
Topic: REITs a disappointment, yet still useful
Replies: 19
Views: 2528

Re: REITs a disappointment, yet still useful

If your asset allocation calls for 10% in REIT's and you are below your rebalancing band, you should rebalance. You need to stay the course.

You may or may not be rewarded for an increased allocation to REIT's. REIT's, like other stocks, are risky, so there are no guarantees.
by rkhusky
Mon Aug 14, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Contributions to a non-deductible tIRA vs. taxable
Replies: 18
Views: 922

Re: Contributions to a non-deductible tIRA vs. taxable

May i ask why, regarding the part in bold? I am in the top tax bracket and already max 401K...so can't make Roth contributions. I have a rollover 401k in my schwab account and can't roll it into my current employers plan...so i would be subject to the pro rata rules. So i can't make deductible, or ...
by rkhusky
Mon Aug 14, 2017 8:08 am
Forum: Investing - Help with Personal Investments
Topic: AA Question on 3 fund
Replies: 6
Views: 477

Re: AA Question on 3 fund

If I was close to retirement, the worst year comparison would jump out at me.

If I was 30 years from retirement, the total return would be more important, especially if my target number was $1.5M (starting with $100K), which would allow $60K retirement spending (at 4%).
by rkhusky
Mon Aug 14, 2017 7:01 am
Forum: Investing - Help with Personal Investments
Topic: SINGLE FUND for retirement
Replies: 11
Views: 2196

Re: SINGLE FUND for retirement

If you can't contribute directly to a Roth because of high income, then you won't be able to deduct Traditional IRA contributions. For most people, tax efficient taxable investing is better than a non-deductible Traditional IRA (unless the latter is soon converted to a Roth via the 2-step Backdoor R...
by rkhusky
Sun Aug 13, 2017 6:27 am
Forum: Investing - Help with Personal Investments
Topic: TSP only vs TSP and Vanguard IRA
Replies: 19
Views: 1089

Re: TSP only vs TSP and Vanguard IRA

One disadvantage of the TSP is the I Fund, which does not include Emerging Markets, Small Cap International, or Canada. You could supplement the TSP by using Total International in an IRA.
by rkhusky
Sat Aug 12, 2017 9:57 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Short Term Treasury fund rated BBB credit quality?
Replies: 32
Views: 2580

Re: Why is Vanguard Short Term Treasury fund rated BBB credit quality?

From Vanguard's site ... Average effective maturity: 2.3 years Under 1 year maturity: 38.7% 5 to 10 years: < 5% over 10 years: 0.2% That does not compute. One explanation is that in the 38.7%there are some kind of options that expire in less than 1 year but give term risk exposure in the 2 to 3 yea...
by rkhusky
Fri Aug 11, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Short Term Treasury fund rated BBB credit quality?
Replies: 32
Views: 2580

Re: Why is Vanguard Short Term Treasury fund rated BBB credit quality?

If they are assigning a rating to unknown investments, without at least an asterisk, that is flawed. Almost every mutual fund has spare cash parked in some kind of in-house money market account. These MM's are not-rated securities. Almost every single fund would have your asterisk. I think providin...
by rkhusky
Fri Aug 11, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: 401k + ira + roth = confused
Replies: 28
Views: 2125

Re: 401k + ira + roth = confused

For taxable investing after maxing 401k and IRA, using tax efficient investments, like Total Stock Market, Total International Stock Market, and Tax Exempt Bonds, are also not too bad.
by rkhusky
Fri Aug 11, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: ObamaCare 2018
Replies: 74
Views: 8114

Re: ObamaCare 2018

Hayden wrote: I am early retired and health insurance is a factor in where I move for retirement. From this article, Seattle looks attractive.
Detroit looks good too. And you can get a really cheap house there.
by rkhusky
Fri Aug 11, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Short Term Treasury fund rated BBB credit quality?
Replies: 32
Views: 2580

Re: Why is Vanguard Short Term Treasury fund rated BBB credit quality?

Why do you say Morningstar's methodology is flawed? If they are assigning a rating to unknown investments, without at least an asterisk, that is flawed. A better solution would be to provide the average over the rated bonds and the percent of unrated bonds. Another flaw, if true, would be assigning...
by rkhusky
Fri Aug 11, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: 4% Rule has changed.....not
Replies: 80
Views: 8163

Re: 4% Rule has changed.....not

Besides financial downturns, another source of risk is Government policy. I imagine that many people's plans will need to be rejiggered if the Government starts to index SS to assets, such as lowering SS payments for those with more than $1M in their retirement accounts.
by rkhusky
Fri Aug 11, 2017 8:31 am
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Short Term Treasury fund rated BBB credit quality?
Replies: 32
Views: 2580

Re: Why is Vanguard Short Term Treasury fund rated BBB credit quality?

Vanguard also uses their own style box methodology not Morningstar's. So what are you going to use to compare a Vg fund to a Schwab or Fidelity fund? I suggest that you use the same metric for all of them. And that would be Morningstar even if you think it has some things you don't like. If Morning...
by rkhusky
Wed Aug 09, 2017 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bonds and Taxes.
Replies: 24
Views: 1511

Re: Muni Bonds and Taxes.

rattlenap wrote:So you will have to pay either long-term or short-term capital gains if you withdraw the money then?
The gains/losses should be relatively small compared to stock cap gains.
by rkhusky
Wed Aug 09, 2017 6:00 pm
Forum: Investing - Theory, News & General
Topic: trying to understand total market and value investing
Replies: 77
Views: 4855

Re: trying to understand total market and value investing

I also don't think that simple metrics (or even complex metrics) can predict which companies are going to fail and which are going to succeed in the next 20 years, much less how much dividends they will be paying out. Then how do you explain the evidence that apparently they can? That happens in ev...
by rkhusky
Wed Aug 09, 2017 2:53 pm
Forum: Investing - Theory, News & General
Topic: trying to understand total market and value investing
Replies: 77
Views: 4855

Re: trying to understand total market and value investing

So just imagine of 4 stocks A, B, C and D. Each stock is going to grow randomly at some number between 5-15 per year as a base but that growth varies by +/- 10 in any given year randomly. Now imagine you have two investors. GI and VI. Both start with $3000. GI estimates any company to be worth 26/(...
by rkhusky
Wed Aug 09, 2017 12:56 pm
Forum: Personal Consumer Issues
Topic: How to hide quicken files on laptop
Replies: 8
Views: 1205

Re: How to hide quicken files on laptop

You can set a password in Quicken. You can store your Quicken files in an encrypted volume.
by rkhusky
Wed Aug 09, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: trying to understand total market and value investing
Replies: 77
Views: 4855

Re: trying to understand total market and value investing

The question is about what is a company worth. Unfortunately, it appears that that information is very difficult and expensive to determine, with no guarantee that it will outperform a simple cap weighted index. And it is equally difficult to identify someone in advance who will be able to consiste...
by rkhusky
Wed Aug 09, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: trying to understand total market and value investing
Replies: 77
Views: 4855

Re: trying to understand total market and value investing

The question is about what is a company worth. Unfortunately, it appears that that information is very difficult and expensive to determine, with no guarantee that it will outperform a simple cap weighted index. And it is equally difficult to identify someone in advance who will be able to consiste...
by rkhusky
Wed Aug 09, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Do you hold your VG mutual funds with VG Group or VG Brokerage?
Replies: 19
Views: 1288

Re: Do you hold your VG mutual funds with VG Group or VG Brokerage?

One difference I've noticed before and saw it again yesterday is the accounting when making a trade. For VBS, the amounts for both the "To" and "From" accounts are negative, whereas for the mutual fund, they are negative for the "From" account and positive for the "To" account, which makes more sens...
by rkhusky
Wed Aug 09, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Help with rebalancing IRA and 403b
Replies: 2
Views: 239

Re: Help with rebalancing IRA and 403b

Sounds like a Fidelity Freedom Index fund would be a good fit. Perhaps Index 2005 or 2010 depending on how much you want in bonds. Having a year's worth of expenses in a MM fund sounds reasonable.
by rkhusky
Wed Aug 09, 2017 8:22 am
Forum: Investing - Theory, News & General
Topic: trying to understand total market and value investing
Replies: 77
Views: 4855

Re: trying to understand total market and value investing

The dollar value of apple is the discounted value of all future dividends the stock will pay over its lifetime. ... Now that's sum is hard to compute. Fundamental analysis is about how to estimate it. How does one compute that for companies that don't pay a dividend? Or do you not invest in those? ...
by rkhusky
Wed Aug 09, 2017 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Should I hold bond fund for period equal to duration?
Replies: 16
Views: 957

Re: Should I hold bond fund for period equal to duration?

You need to look at all your accounts as one big account. If you leave your current job and roll over into an IRA, you could choose to use the same bond fund with no change. The bonds in your TR fund have the same risk as the Total Bond fund in your 403b and should all be lumped together.
by rkhusky
Tue Aug 08, 2017 7:48 am
Forum: Investing - Help with Personal Investments
Topic: 401K Elections - Vanguard
Replies: 10
Views: 704

Re: 401K Elections - Vanguard

I suggest using a TR fund (2040-2050),unless you can come up with a good reason not to.
by rkhusky
Mon Aug 07, 2017 5:33 pm
Forum: Investing - Theory, News & General
Topic: trying to understand total market and value investing
Replies: 77
Views: 4855

Re: trying to understand total market and value investing

Not sure I understand the aversion to large companies. If Apple split into separate companies focusing, e.g., on software, computer hardware, music hardware, music store, app store, phones, and entertainment devices, would that be more palatable? Yes. They could be more easily evaluated and priced....
by rkhusky
Mon Aug 07, 2017 6:55 am
Forum: Investing - Theory, News & General
Topic: Should TBM Be Your Only Bond Fund?
Replies: 33
Views: 4924

Re: Should TBM Be Your Only Bond Fund?

I prefer tax exempt bonds in my taxable account. I did own Vanguard's high yield tax exempt for a while, before TLH'ing out (it has very little junk).
by rkhusky
Sun Aug 06, 2017 4:15 pm
Forum: Investing - Theory, News & General
Topic: trying to understand total market and value investing
Replies: 77
Views: 4855

Re: trying to understand total market and value investing

Not sure I understand the aversion to large companies. If Apple split into separate companies focusing, e.g., on software, computer hardware, music hardware, music store, app store, phones, and entertainment devices, would that be more palatable? Would those that prefer equal weighting increase thei...