Search found 1603 matches

by triceratop
Mon Mar 27, 2017 11:03 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 15
Views: 411

Re: Geico insurance rate increase: 26.24% APY?

Thanks everyone. Insurance rates are raised all the time. Call around and see if you can get a better price. Your rate went up 12% in 6 months. Sounds pretty normal. Not sure what calculating some APY value adds to the discussion. I find APY is how most think of rate increases: on a year to year bas...
by triceratop
Mon Mar 27, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 15
Views: 411

Re: Geico insurance rate increase: 26.24% APY?

With no changes in personal situation (other than turning 25yo), my policy with Geico in the state of California increased 12.35% over the prior 6 month period, which is 26.24% APY. A call to a GEICO agent suggested that there was nothing personal (just business!) about my rate increase: it was acr...
by triceratop
Mon Mar 27, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: Why are international and US stocks down today?
Replies: 29
Views: 897

Re: Why are international and US stocks down today?

I'll second what alfaspider said in general, but the logic today is that Trump and Congress's inability to pass health care reform puts the rest of their agenda in jeopardy, and that includes the massive tax cuts they've been talking about. Those (particularly corporate tax cuts) are a big part of ...
by triceratop
Mon Mar 27, 2017 9:30 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 15
Views: 411

Re: Geico insurance rate increase: 26.24% APY?

I may begin shopping around, because that is hard to seriously believe. 15 minutes online could save you 15% or more cuts both ways. My guess is you lost your "good student discount" when you turned 25. It is usually worth at least price checking your insurance every few years while young...
by triceratop
Mon Mar 27, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Geico insurance rate increase: 26.24% APY?
Replies: 15
Views: 411

Geico insurance rate increase: 26.24% APY?

With no changes in personal situation (other than turning 25yo), my policy with Geico in the state of California increased 12.35% over the prior 6 month period, which is 26.24% APY. A call to a GEICO agent suggested that there was nothing personal (just business!) about my rate increase: it was acro...
by triceratop
Mon Mar 27, 2017 9:10 am
Forum: Investing - Theory, News & General
Topic: Why are international and US stocks down today?
Replies: 29
Views: 897

Re: Why are international and US stocks down today?

I'll second what alfaspider said in general, but the logic today is that Trump and Congress's inability to pass health care reform puts the rest of their agenda in jeopardy, and that includes the massive tax cuts they've been talking about. Those (particularly corporate tax cuts) are a big part of ...
by triceratop
Mon Mar 27, 2017 8:56 am
Forum: Investing - Help with Personal Investments
Topic: Merriman Expense Ratios: .65% and .58% too high?
Replies: 18
Views: 1123

Re: Merriman Expense Ratios: .65% and .58% too high?

I don't like paying more than the ERs associated with either VEA, VSS, VEU, VWO when using any of those while building out a Merriman portfolio, so ya I think those expenses are high. One cannot satisfy ILV or ISV with any of those funds. Nor can one spend that little to fill out an ILV or ISV allo...
by triceratop
Mon Mar 27, 2017 1:19 am
Forum: Investing - Help with Personal Investments
Topic: Where to put small cap value fund in portfolio
Replies: 12
Views: 866

Re: Where to put small cap value fund in portfolio

VIOV/IJS are ideal for taxable accounts, as they're equally or more tax-efficient than TSM. At your tax bracket, the lower yield will probably make them a better choice than the regular Small Cap Value shares, but it won't make that much difference. However, for overall construction, I much prefer ...
by triceratop
Mon Mar 27, 2017 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 13
Views: 706

Re: Will the Vg TIPS fund preserve current buying power over 10-20 years?

... No matter what I read about TIPS or a TIPS fund I can follow it to a point and then it's just confusing. I do remember holding TIPS bonds in a taxable account causes issues as you pay taxes on phantom income, maybe it was called imputted income? ... The imputed income situation, as its detracto...
by triceratop
Sun Mar 26, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 98
Views: 5376

Re: Blog on emerging Markets, and investors underweighting them

Some of us have only begun investing recently; I began investing in late 2014 and it took me until late 2016 before I had the funds to diversify in a serious way using low-cost funds. First purchase of EM (at market weight) happened to be within 2 weeks of its 2016 bottom. So yes, for some people th...
by triceratop
Sun Mar 26, 2017 7:33 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 98
Views: 5376

Re: Blog on emerging Markets, and investors underweighting them

I guess if one owns VTSAX then the political risk is 0. :idea: On this website there`s been views of slice and dice verses buy and hold and that will never end. Bogle says that VTSAX is broad diversification. "slice and dice" is not something that can be 'versus' "buy and hold". ...
by triceratop
Sun Mar 26, 2017 7:20 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 98
Views: 5376

Re: Blog on emerging Markets, and investors underweighting them

All I can say is that August 2016, is a short period of time and of course I know no one knows the future. Time will tell. I think I`d rather go with a broad index like VTSAX as that has risen over a lot of time . And if I had owned VWO since before the EM equities crash you would say I had lost mo...
by triceratop
Sun Mar 26, 2017 7:06 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 98
Views: 5376

Re: Blog on emerging Markets, and investors underweighting them

triceratop, VTSAX is no simpler than VT but over the very long term the total global market has earned less than our domestic one by 1 percentage point according to Deutshe bank research.What is the name of your emerging markets security and what did it earn in total return over what period of time...
by triceratop
Sun Mar 26, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 98
Views: 5376

Re: Blog on emerging Markets, and investors underweighting them

sambb, how long have you owned the emerging markets etf, what is it and what is the total return of it since you`ve owned it ? That sector has been dead in the water for 6 years so far. EM is not a sector and EM index funds are considered diversified equities. In fact EM is about 9% of global equit...
by triceratop
Sun Mar 26, 2017 6:27 pm
Forum: Personal Consumer Issues
Topic: In-N-Out Burger - Best Chain Fast Food Burger Joint?
Replies: 134
Views: 17894

Re: In-N-Out Burger - Best Chain Fast Food Burger Joint?

Earl Lemongrab wrote:
lazydavid wrote:Hope you were being ironic. Worst fast food restaurant, full stop.

No and no. It's the only fast food I buy. Or Popeye's.


At least you are consistent in picking horrible fast food. :beer
by triceratop
Sun Mar 26, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 98
Views: 5376

Re: Blog on emerging Markets, and investors underweighting them

Larry, I understand what you are saying and about reversion to the mean in general and lowering your market risk by buying out of favor asset classes. Just answer me this. Both John Bogle and Warren Buffett are very knowledgeable in the stock market field with multitudes of experience and yet J. Bo...
by triceratop
Sun Mar 26, 2017 5:29 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 60
Views: 3411

Re: Virtual Private Networks (VPNs)

Please explain how a VPN provider can read my email that is not hosted by them and is transmitted via HTTPS from my mail provider to my browser. First, please understand that there's 100 permutations and 'what ifs' that could shape this answer. My top concern in my posts to this thread is that this...
by triceratop
Sun Mar 26, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's
Replies: 160
Views: 24120

Re: Michael Kitces says IRS auditors disapprove of Backdoor Roth IRA's

Has there been any further insight on this issue? The only post that hints at it not being OK is the one by AviN which has a link to a video where Kitces says people that were audited were asked to roll it back. Fidelity used to have an article describing the backdoor Roth, but looks like they have...
by triceratop
Sun Mar 26, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 98
Views: 5376

Re: Blog on emerging Markets, and investors underweighting them

Interesting comments regarding different options for investing in Emerging Markets accounts (reading different threads). I've been investigating some of these funds and see the ER's are a much higher cost than the Vanguard Admiral Shares Index Fund. Can anyone give me a compelling reason as to why ...
by triceratop
Sat Mar 25, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 60
Views: 3411

Re: Virtual Private Networks (VPNs)

It's not correct to say that because one points out a flaw in a *recommended* privacy solution relating to 3-letter agencies, that privacy from 3-letter agencies is the goal. In fact it's pretty much the reverse don't you think (otherwise....change the recommended solution?) ? The real point behind ...
by triceratop
Sat Mar 25, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 60
Views: 3411

Re: Virtual Private Networks (VPNs)

Is there anyone here who thinks the 3 letter agencies can't monitor your traffic? People should focus on honeypotting and logging their networks in addition to trying to secure their boundaries. For things of a transactional nature adapt services that use multiple authentication methods. Don't leav...
by triceratop
Fri Mar 24, 2017 8:51 pm
Forum: Personal Consumer Issues
Topic: The Sweet Spot for Yearly Car Costs
Replies: 53
Views: 3337

Re: The Sweet Spot for Yearly Car Costs

My sweet spot is the minimum I can pay. For 2016 that was $550 in insurance and $80 for oil changes and maintenance, $400 for parking (ugh). Plus registration costs. I never drive: walk to work and groceries etc. in such a situation its economical to have a 2001 Honda Civic with 390k miles on it. $1...
by triceratop
Fri Mar 24, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 60
Views: 3411

Re: Virtual Private Networks (VPNs)

If the goal is to protect your traffic from sniffing when you're on untrusted networks, you can actually roll your own VPN. Lots of home routers support some VPN variant, with OpenVPN being the most common. When away from home, you would VPN back to your router and use your home internet connection...
by triceratop
Fri Mar 24, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 60
Views: 3411

Re: Virtual Private Networks (VPNs)

I generally don't worry about VPNs as I don't use a lot of unknown Wifis, but when I take long international trips, I do. I have used free services like CyberGhost and some free iPhone apps and they stink. Recently got a month of ExpressVPN and really liked it. It's pricier than some of the others ...
by triceratop
Thu Mar 23, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index
Replies: 1
Views: 367

WSJ: MSCI Takes Fresh Look at Adding China Shares to Emerging-Market Index

From: https://www.wsj.com/articles/msci-takes-fresh-look-at-adding-china-shares-to-emerging-market-index-1490271105 Index provider MSCI Inc. has kicked off its annual review to determine whether to add domestic Chinese shares to its global benchmarks, a step that could potentially divert billions of...
by triceratop
Thu Mar 23, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 98
Views: 5376

Re: Blog on emerging Markets, and investors underweighting them

HomerJ, I believe the point was whether FNDE is good at delivering EMV exposure, relative to EM beta options such as VWO. My main concern with FNDE is concentration: it has about ~300 stocks vs. the 4000+ stocks that VWO has. However, its country exposure seems much more balanced since it is not cap...
by triceratop
Wed Mar 22, 2017 8:52 pm
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2295

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I love to use the command line. For fun, I'm replying to your post using lynx. I'm excited to see if it's a horrible mess after I submit it and check it in chrome! Wow, it actually worked. I guess bogleheads.org could have survived in 1994! Yes, bad form to reply to myself... Forgiven because lynx....
by triceratop
Wed Mar 22, 2017 4:52 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 98
Views: 5376

Re: Blog on emerging Markets, and investors underweighting them

two thoughts. 1) funny how you post a bog on dividend stocks and get dozens of immediate replies, but then blog on something out of favor and... crickets. 2) I tilt 12.5% to EM and 12.5% US SV, rest is global market cap weighted. This affords me a portfolio that is 15% in bonds, but also has a high...
by triceratop
Wed Mar 22, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Blog on emerging Markets, and investors underweighting them
Replies: 98
Views: 5376

Re: Blog on emerging Markets, and investors underweighting them

Larry, Thank you for the article; I overweight EM 25% relative to Total International (i.e., ImmigrantSaver, 11.25% of my 45% international allocation is EM, rest is TISM) for diversification and higher expected returns. I was curious about your thoughts on FNDE, Schwab Fundamental Emerg Mkts Lg Co ...
by triceratop
Wed Mar 22, 2017 1:48 am
Forum: Investing - Theory, News & General
Topic: WSJ: S&P 500′s Rally Is Falling Behind the World
Replies: 15
Views: 3120

Re: WSJ: S&P 500′s Rally Is Falling Behind the World

I found the headline puzzling because I hadn't noticed anything like that, but I hadn't been paying attention. On quickly checking, I found that if we look at the last 12 months, the Vanguard 500 Index Fund, VFINX, has vastly outperformed the Vanguard European Index Fund, VEURX. It was slightly beh...
by triceratop
Tue Mar 21, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2295

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I use two GUI programs: chrome and Okular. And in chrome I use an extension so I use my mouse as little as possible. I use i3 as my window manager, rxvt-Unicode as my terminal, mpd and ncmpcpp as my audio programs, mutt to read email, and vim as my editor with latex to render documents. Most of my ...
by triceratop
Tue Mar 21, 2017 8:44 am
Forum: Personal Consumer Issues
Topic: Anybody using the TERMINAL over the GUI in ubuntu?
Replies: 45
Views: 2295

Re: Anybody using the TERMINAL over the GUI in ubuntu?

I use two GUI programs: chrome and Okular. And in chrome I use an extension so I use my mouse as little as possible. I use i3 as my window manager, rxvt-Unicode as my terminal, mpd and ncmpcpp as my audio programs, mutt to read email, and vim as my editor with latex to render documents. Most of my t...
by triceratop
Mon Mar 20, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: US / International Equity
Replies: 6
Views: 255

Re: US / International Equity

I believe you need to develop a systematic asset allocation and then find funds to satisfy the various needs of that allocation. Some call it an "investment policy statement" or IPS
by triceratop
Mon Mar 20, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: US / International Equity
Replies: 6
Views: 255

Re: US / International Equity

I was previously advised to be around 80/20 US/Int ... I was just wondering if, in a high price market, the Total International Admiral Shares were "cheap" / more prudent to buy into currently Is a 50/50 US/International allocation insane? Do the respective markets often balance each othe...
by triceratop
Mon Mar 20, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: US / International Equity
Replies: 6
Views: 255

Re: US / International Equity

Does your asset allocation call for you to buy international stocks? If so, you should buy international equities. Otherwise, no, because that would be market timing. What is your target asset allocation? FYI if this is a "should I own international stocks" thread then many such topics hav...
by triceratop
Mon Mar 20, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 long-term investment: Mutual Fund vs. ETF?
Replies: 23
Views: 845

Re: S&P 500 long-term investment: Mutual Fund vs. ETF?

It is true that you will have received more distributions from the mutual fund than from the ETF, which has the effect of raising the cost basis of your investment. However, you paid taxes (at perhaps a higher rate than in the future, in retirement!) on those capital gains, money which otherwise co...
by triceratop
Mon Mar 20, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 long-term investment: Mutual Fund vs. ETF?
Replies: 23
Views: 845

Re: S&P 500 long-term investment: Mutual Fund vs. ETF?

I don't know that it's worth all of this analysis. I own all of what you're talking about, more or less and just consider it all as Total US Stock. For me, it includes: these 3 follow nearly exactly VTI (Vanguard total US Stock ETF at TDAmeritrade) SCHB (US Broad market ETF at Schwab) FSTVX (Total ...
by triceratop
Mon Mar 20, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 long-term investment: Mutual Fund vs. ETF?
Replies: 23
Views: 845

Re: S&P 500 long-term investment: Mutual Fund vs. ETF?

I've spent the last hour reading about ETFs vs. mutual funds. Here is a downside I discovered about ETFs: ETF purchases can't be fractional like mutual funds. An automatic monthly purchase of $2000 at $239.44 share price would buy 8 shares and the remaining $84.48 wouldn't be invested yet. The inve...
by triceratop
Mon Mar 20, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4461

Re: Moving from Vanguard to Fidelity (probably)

Don't jump ship without thinking real hard about where you will land, sailor! Go to Reuters News Service and google the explosive article concerning the Johnson Family who Own Fidelity, and their $20+ billion dollar empire. Guess who helped finance that gravy train,...? SeeMoe.. :oops: This seems u...
by triceratop
Mon Mar 20, 2017 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 long-term investment: Mutual Fund vs. ETF?
Replies: 23
Views: 845

Re: S&P 500 long-term investment: Mutual Fund vs. ETF?

You didn't mention whether this is in an IRA or a taxable account. That should make a difference for your decision if it is a taxable account; FUSVX has regular capital gains distributions while ETFs, especially iShares', are generally more tax efficient. Taxable account. The mutual fund FUSVX has ...
by triceratop
Mon Mar 20, 2017 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 long-term investment: Mutual Fund vs. ETF?
Replies: 23
Views: 845

Re: S&P 500 long-term investment: Mutual Fund vs. ETF?

You didn't mention whether this is in an IRA or a taxable account. That should make a difference for your decision if it is a taxable account; FUSVX has regular capital gains distributions while ETFs, especially iShares', are generally more tax efficient.
by triceratop
Mon Mar 20, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 1988

Re: Do you purposely spend with companies in your investment portfolio?

I do. I buy GEICO insurance as a shareholder (1 share of BRKB) of Berkshire Hathaway. But it's really like the reverse: Geico gives me a discount for owning the stock.
by triceratop
Thu Mar 16, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7438

Re: Do you avoid international investing like Jack Bogle?

gkaplan wrote:I'm with Jack Bogle. I only have fifty percent allocated to foreign equities.


Indeed: "buy and hold the market".
by triceratop
Thu Mar 16, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: How do international ETFs work if they are open during US hours but international markets aren't?
Replies: 23
Views: 1642

Re: How do international ETFs work if they are open during US hours but international markets aren't?

Ah! Forgot about FOMC action; so the APs are less certain about how foreign markets will respond so they arbitrage more carefully. Neat!
by triceratop
Thu Mar 16, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: How do international ETFs work if they are open during US hours but international markets aren't?
Replies: 23
Views: 1642

Re: How do international ETFs work if they are open during US hours but international markets aren't?

Market participants trading the ETF during US hours buy and sell based on their needs, like for anything else. Many are sensitive to the perceived value of the underlying holdings, which without live pricing would have to be based on estimates stemming from market/sector/company/currency exchange r...
by triceratop
Wed Mar 15, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Only have $1500 - ETF?
Replies: 11
Views: 721

Re: Only have $1500 - ETF?

Schwab index mutual funds have $100 minimums and similar low fees. It'll be much easier to implement a 3-fund portfolio (or 1 fund with SWTSX) at Schwab with low funds. You can always switch to VTSAX later. You don't need 3 funds with 1500 or 15000 for that matter. You need to save as much as you c...
by triceratop
Wed Mar 15, 2017 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7438

Re: Do you avoid international investing like Jack Bogle?

And, global market cap doesn't apply to those that hold some random percentage of international now... say, 20%. Those folks don't follow global market cap now. Are they somehow going to adjust or switch to global market cap at some point as the US becomes the next Japan or Europe? If so, when??? O...
by triceratop
Wed Mar 15, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7438

Re: Do you avoid international investing like Jack Bogle?

Ok, I see what you mean now. But, I didn't see the floating version brought up to start with, so... So, basically this is a moving goalpost conversation where we all bring up different versions to make our point? :D Not at all, plenty of Bogleheads follow global market weights and view VT as the ul...
by triceratop
Wed Mar 15, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Do you avoid international investing like Jack Bogle?
Replies: 151
Views: 7438

Re: Do you avoid international investing like Jack Bogle?

Ya, I get a 0.8% weighted return for that 80/20 Europe/ex-Europe portfolio suggested. I don't know how to come up with purchasing power numbers, so I left that alone. But, the 0.8% sure doesn't excite me, or sway me to add 20% international. There is a difference between 80/20 Europe/ex-Europe and ...

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