Search found 2313 matches

by Nate79
Wed May 23, 2018 8:53 pm
Forum: Investing - Theory, News & General
Topic: Article on stock picking
Replies: 2
Views: 138

Re: Article on stock picking

Read the first sentence and that was enough. No need to read somebodies stock picking method article. They are a dime a dozen. Hundreds and hundreds of newsletters claiming to have the secret sauce to beat the market.
by Nate79
Wed May 23, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bank account or Brokerage account for child?
Replies: 2
Views: 77

Re: Bank account or Brokerage account for child?

If the market drops greater than 50% and takes 10 years to recover will your kid be ok with that?
by Nate79
Wed May 23, 2018 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolio
Replies: 18
Views: 1421

Re: Schwab Intelligent Portfolio

My main problem is that I had a taxable and ROTH account for SIP, and they did not communicate with one another, so the TLH would not even work. Make sure you only use SIP for one account because they are independent of one another and you might create a wash sale . . . . They are supposed to commu...
by Nate79
Tue May 22, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Whole Life vs Universal Life
Replies: 13
Views: 1057

Re: Whole Life vs Universal Life

With UL your money is not actually invested in equities. Your contact may follow a particular index (S&P500) with various caps, floors,etc but reality the money is primarily an insurance product invested in fixed income along with S&P500 options contracts (hence the reason there is a floor and a cap...
by Nate79
Tue May 22, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Checked under the hood of index funds and investment firms
Replies: 7
Views: 1308

Re: Checked under the hood of index funds and investment firms

I noticed that the total market index funds outside of Vanguard spit out capital gains. Like a darn actively managed fund. Makes you think twice about investing in them, especially when it comes to a taxable account. I’m seriously starting to regret leaving Vanguard. Live and learn, I guess. Vangua...
by Nate79
Tue May 22, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab Intelligent Portfolio
Replies: 18
Views: 1421

Re: Schwab Intelligent Portfolio

There is no cash drag in SIP except for the fact that the cash allocation should be getting a higher cash return than Schwab gives. The cash is offset by a higher stock allocation and higher yield bond allocation to offset the risk. If you don't like the cash allocation or the modern portfolio metho...
by Nate79
Tue May 22, 2018 9:36 pm
Forum: Investing - Theory, News & General
Topic: Predicting income from investment
Replies: 13
Views: 879

Re: Predicting income from investment

You should assume there can be a loss over such a time period. You are comparing apples and oranges in terms of risk profile. Certainly there are 10-15 year time periods where there can be zero return. Consider the current high valuations many experts predict quite low return over the next 10 years....
by Nate79
Tue May 22, 2018 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 132
Views: 7943

Re: Dave Ramsey it or keep low interest debt

Certainly DR is a polarizing topic on BH. But to call those that agree with his anti debt philosophy as unsophisticated (or other derogatory descriptors) is childish at best. No offense to those that think they are smarter, more sophisticated, etc of the DR mentality should understand that there are...
by Nate79
Mon May 21, 2018 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Can I transfer brokerage Acct without speaking to FA?
Replies: 20
Views: 1149

Re: Can I transfer brokerage Acct without speaking to FA?

It really depends on what is actually in the account.

If these are just open market trades securities like stocks, ETFs, etc you may consider transferring to a brokerage that will give you free trades so that you can sell at no trading costs.
by Nate79
Mon May 21, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?
Replies: 26
Views: 1686

Re: Pimco PONAX beating VWIAX Wellesley ~~ too good to be true?

.9% versus .15% Expense Ratio. You do the math... ? This actually doesn't tell anything about the math. These are two completely different funds. One is a fixed income fund and one is a stock:bond fund. The comparison between the two funds is like comparing apples and oranges. Yes, it does. The poi...
by Nate79
Mon May 21, 2018 10:58 am
Forum: Investing - Help with Personal Investments
Topic: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?
Replies: 26
Views: 1686

Re: Pimco PONAX beating VWIAX Wellesley ~~ too good to be true?

Admiral wrote:
Mon May 21, 2018 10:29 am
.9% versus .15% Expense Ratio.

You do the math...
? This actually doesn't tell anything about the math.

These are two completely different funds. One is a fixed income fund and one is a stock:bond fund. The comparison between the two funds is like comparing apples and oranges.
by Nate79
Sun May 20, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire? Input and advice is welcome!
Replies: 29
Views: 3584

Re: Can I retire? Input and advice is welcome!

What is the inflation rate of the country you are living in (i.e. expenses) compared to your future income streams?
by Nate79
Sun May 20, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 132
Views: 7943

Re: Dave Ramsey it or keep low interest debt

I'd pay off the $38K auto loan and let the rest of it ride as scheduled. Can I ask why? A 30 second search on bankrate.com shows several 12month CD's paying more than 1.9%, and even a few moneymarket accounts paying 2%. If anything, accelerate the payments on the HOUSE with the much higher rate. Pa...
by Nate79
Sun May 20, 2018 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 1826

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

.. Suggestions/discussion welcome! There are so many errors in this it's almost beyond belief. I won't comment on the tax law part because all of this is pretty much wrong as was already pointed out. But one nitpick is that you mention loans under how to cash flow college..... loans are the anti-ca...
by Nate79
Sun May 20, 2018 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 132
Views: 7943

Re: Dave Ramsey it or keep low interest debt

I'd pay off the $38K auto loan and let the rest of it ride as scheduled. Can I ask why? A 30 second search on bankrate.com shows several 12month CD's paying more than 1.9%, and even a few moneymarket accounts paying 2%. If anything, accelerate the payments on the HOUSE with the much higher rate. Pa...
by Nate79
Sun May 20, 2018 4:16 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 132
Views: 7943

Re: Dave Ramsey it or keep low interest debt

WOW...the of lack of financial literacy displayed in this thread are astounding for a forum inspired by Jack Bogle and his investing advice. Uh, what does low cost index funds have to do with this thread? Or perhaps could you say which side you are advocating? Well, for one the concept of basis poi...
by Nate79
Sun May 20, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 31
Views: 1945

Re: Tesla Autopilot, worth it?

Where can you rent a Model 3?
by Nate79
Sun May 20, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisory Services vs. Schwab Intelligent Advisory
Replies: 34
Views: 3739

Re: Vanguard Personal Advisory Services vs. Schwab Intelligent Advisory

I'm in the same boat as most on this thread trying to decide between Vanguard Personal Advisory Services, Schwab Intelligent Portfolios and Schwab Intelligent Advisory. I'm retired and rapidly approaching required minimum distribution age with my employer held 401K. The account has done very well o...
by Nate79
Sun May 20, 2018 11:00 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 8644

Re: Solar panels

I am in NH where the electric rates are high and the solar days are mid-range so a strict ROI could be 7-10 years. However, solar panels do not conform to a traditional investment in a couple of different ways. Using my situation, a 5.1K array, targeting 110% replacement of used electricity cost me...
by Nate79
Sun May 20, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 29
Views: 2171

Re: Do I pay towards my mortgage or invest?

I have a mortgage of $480k @ 3.875% (30 yr fixed). See Paying down loans versus investing on the wiki. At these rates, the marginal payment is probably still tax-deductible; you are paying over $14K in interest, so if you have $10K in state and local taxes and no other deductions, any additional pa...
by Nate79
Sun May 20, 2018 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 132
Views: 7943

Re: Dave Ramsey it or keep low interest debt

coachd50 wrote:
Sun May 20, 2018 8:32 am
WOW...the of lack of financial literacy displayed in this thread are astounding for a forum inspired by Jack Bogle and his investing advice.
Uh, what does low cost index funds have to do with this thread? Or perhaps could you say which side you are advocating?
by Nate79
Sat May 19, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: Fee transparency in private equity
Replies: 9
Views: 577

Re: Fee transparency in private equity

Badger1754 wrote:
Sat May 19, 2018 1:38 pm
My pleasure.

0.3% - Fund-of-funds fees
2.0% - PE firm's fixed fees
3.9% - PE firm's 10-20% incentive fee on gains over a benchmark (which is 80% Treasuries)
So their incentive is to outperform 80% treasuries. Does that mean they are a 20% stock/80% bond fund or target similar risk level?
by Nate79
Sat May 19, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!
Replies: 22
Views: 1826

Re: New perspective on cash-flowing ever increasing College tuition costs, without 529 plan that is!

If your kid(s) are starting college, especially an expensive college - which is quite hard to cash-flow for middle to upper middle class folks. With possible downside risks of 529 plans as discussed elsewhere Linky: ( https://www.bogleheads.org/forum/viewtopic.php?f=10&t=146595 ), not everybody may...
by Nate79
Sat May 19, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 132
Views: 7943

Re: Dave Ramsey it or keep low interest debt

Dave's advice is more about behavioral science than the math. The majority of his audience have control problems, not income problems. If they don't stop investing and focus 100% on getting out of debt, they will never get anything done and eventually revert back to their old ways of accumulating d...
by Nate79
Sat May 19, 2018 12:47 pm
Forum: Investing - Theory, News & General
Topic: Fee transparency in private equity
Replies: 9
Views: 577

Re: Fee transparency in private equity

Hi folks - my firm offers a private equity portfolio in our 401K plan. Naturally, all the young'uns plow right into it thinking "PRIVATE EQUITY WALL STREET MONEY MONEY MONEY MONEY :dollar :moneybag HODL LAMBO MOON" It didn't quite smell right to me because the 10-year annualized return is.. shall w...
by Nate79
Sat May 19, 2018 11:31 am
Forum: Investing - Help with Personal Investments
Topic: Insurance or Betterment
Replies: 3
Views: 326

Re: Insurance or Betterment

Anything but the insurance. Insurance and investing should not mix.
by Nate79
Sat May 19, 2018 12:18 am
Forum: Personal Consumer Issues
Topic: Priceline hotels?
Replies: 11
Views: 1197

Re: Priceline hotels?

No, but Clark Howard highly recommends and he has a number of articles on the topic.
by Nate79
Fri May 18, 2018 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Can which brokerage you choose for your accounts be a risk?
Replies: 11
Views: 1144

Re: Can which brokerage you choose for your accounts be a risk?

I highly recommend Schwab. Customer service top notch and excellent in house funds that trade free and industry leading low expenses.
by Nate79
Fri May 18, 2018 11:43 pm
Forum: Investing - Theory, News & General
Topic: Want Vanguard funds. Need Vanguard account?
Replies: 9
Views: 783

Re: Want Vanguard funds. Need Vanguard account?

Certainly if you are ok with ETFs you can buy them at any brokerage. Many brokerages give bonuses and free trades so if you are ok with ETFs there is no reason to have an account at Vanguard. Mutual funds are generally more expensive to trade outside of Vanguard.
by Nate79
Fri May 18, 2018 11:35 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey it or keep low interest debt
Replies: 132
Views: 7943

Re: Dave Ramsey it or keep low interest debt

Why do you have the debt? It's so small compared to your income it has very little impact on your life or return as long as you have the income. I would pay off the consumer debt. Having no consumer debt is risk reduction for when bad things happen. It is also behavioral to help prevent lifestyle cr...
by Nate79
Fri May 18, 2018 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow graduate school at the expense of reducing 401k contributions?
Replies: 9
Views: 543

Re: Cash flow graduate school at the expense of reducing 401k contributions?

I would take out student loans before I ever reduced 401k contributions and match. This is coming from someone who, at the time, thought it was great he was paying for his highly selective MBA program in cash after having used various student aid including loans years earlier for undergrad. I have ...
by Nate79
Fri May 18, 2018 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Basic questions about taxable accounts
Replies: 10
Views: 845

Re: Basic questions about taxable accounts

Are you doing backdoor Roth or just converting an existing traditional IRA to Roth each year? These are not the same thing. It is best to not have any existing traditional IRA's so that you can do a clean backdoor Roth. It probably doesn't make sense to convert an existing traditional IRA to a Roth...
by Nate79
Fri May 18, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Cash flow graduate school at the expense of reducing 401k contributions?
Replies: 9
Views: 543

Re: Cash flow graduate school at the expense of reducing 401k contributions?

I would not take out debt to continue to invest in a 401k. At most I would get the match. This is a very temporary minor thing anyways. You will at most be reducing your 401k for a couple of years. I would try and reduce expenses as much as possible, cash flow the school and if any extra then put in...
by Nate79
Fri May 18, 2018 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Sell or rent first home?
Replies: 9
Views: 609

Re: Sell or rent first home?

Sell. It doesn't sound like the rate on the rent is that great and by the time you figure in maintenance, repairs, vacancies, etc you will be cash flow negative.
by Nate79
Fri May 18, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Qualify for Obama care for a part of the year.
Replies: 24
Views: 716

Re: Qualify for Obama care for a part of the year.

The point of open enrollment period is to stop this exact situation - only buying insurance when you find out you need it. In the past it was even worse because pre existing conditions were excluded from coverage. I second the poster to see if any options below cover their situation: https://www.hea...
by Nate79
Fri May 18, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4102

Re: Bed Bugs

I travel a lot and stay in hotels all the time and this thread is certainly going to make me more careful in making sure the rooms I stay in do not have bed bugs.
by Nate79
Fri May 18, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Locking a tote bag?
Replies: 11
Views: 527

Re: Locking a tote bag?

Watty wrote:
Fri May 18, 2018 9:49 am
One "trick" photographers use is instead of using an expensive looking camera bag is to carry your gear in a diaper bag. People are much less likely to be interested in that.
Preferably with a dirty diaper on top.

:D
by Nate79
Fri May 18, 2018 10:35 am
Forum: Personal Consumer Issues
Topic: Chase CS playing games w/me
Replies: 28
Views: 2711

Re: Chase CS playing games w/me

So they pre-paid your next monthly payment I guess. Not ideal but not the end of the world. Double check when your next payment is due and I bet your next payment was already paid now.
by Nate79
Fri May 18, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Long term investment in grains/wheat
Replies: 22
Views: 1308

Re: Long term investment in grains/wheat

over45 wrote:
Thu May 17, 2018 3:01 pm
If you thought grains/wheat was a good long term investment (over a period of 10-15 years), what would the best way to make an investment in it? Tks.
I would invest in better research.
by Nate79
Fri May 18, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Basic questions about taxable accounts
Replies: 10
Views: 845

Re: Basic questions about taxable accounts

Are you doing backdoor Roth or just converting an existing traditional IRA to Roth each year? These are not the same thing. It is best to not have any existing traditional IRA's so that you can do a clean backdoor Roth. It probably doesn't make sense to convert an existing traditional IRA to a Roth ...
by Nate79
Fri May 18, 2018 10:20 am
Forum: Personal Finance (Not Investing)
Topic: Having trouble figuring out expected expenses in retirement
Replies: 37
Views: 2518

Re: Having trouble figuring out expected expenses in retirement

Save as much as you can. Invest. Resist lifestyle creep. Run a budget. You can not project this level of detail more than a few years out. Who knows what the structure of healthcare will be even a few years out. Any discussion about what ACA healthcare cost, subsidies, etc will be more than a few ye...
by Nate79
Fri May 18, 2018 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Applying for Costco Visa--need to selectively lift credit report freeze
Replies: 5
Views: 693

Re: Applying for Costco Visa--need to selectively lift credit report freeze

Google says it is state dependant?...

This site gives a list but you may want to search around more:
https://www.doctorofcredit.com/credit-b ... bank-pull/
by Nate79
Fri May 18, 2018 12:47 am
Forum: Investing - Theory, News & General
Topic: "5-Star Funds That Are Less Than Meets The Eye"
Replies: 4
Views: 982

Re: "5-Star Funds That Are Less Than Meets The Eye"

Conclusion: Morningstar has concluded that their own ratings do a pretty good job at predicting which funds are better than others. :shock:
by Nate79
Fri May 18, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Are there any experienced real-estate people here?
Replies: 38
Views: 3154

Re: Are there any experienced real-estate people here?

I would get the opinion of a top notch real estate agent. You indicate that it is almost tear down which makes me wonder why you would spend a dime on it.
by Nate79
Fri May 18, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: Are you including annual increases in contributions in your projections?
Replies: 36
Views: 1563

Re: Are you including annual increases in contributions in your projections?

We save as much as we can, live below our means, and resist lifestyle creep. I try to save extra when raises come every year. The projections I use are very basic to make high level conclusions on where we are at. I don't believe in being too detail oriented in future projections. The error range is...
by Nate79
Thu May 17, 2018 3:59 pm
Forum: Investing - Help with Personal Investments
Topic: Do I pay towards my mortgage or invest?
Replies: 29
Views: 2171

Re: Do I pay towards my mortgage or invest?

The age old invest vs pay off debt certainly brings out the opinions in the topic that is almost brought up daily on BH. Which was the right choice in the end can't be known until after the fact. From a balance sheet perspective any outstanding debt can be looked at as taking out debt to invest. Wil...
by Nate79
Thu May 17, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Small caps and Micro caps
Replies: 6
Views: 492

Re: Small caps and Micro caps

If you look at the performance of VTI vs IWC and VBR (small cap value) VTI outperformed the first few months of the year then IWC the month of April. If you look at the 1, 3, 5, 10 year performance difference between these funds is pretty small. If you go back and look at 2006-current performance IW...
by Nate79
Thu May 17, 2018 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Property and Casualty Insurance - Best Strategy?
Replies: 2
Views: 193

Re: Property and Casualty Insurance - Best Strategy?

Find an independent broker and have them shop around for you.
by Nate79
Wed May 16, 2018 11:42 pm
Forum: Personal Consumer Issues
Topic: any disadvantages to using Delta Skymiles for fare?
Replies: 18
Views: 1238

Re: any disadvantages to using Delta Skymiles for fare?

What else would you use the miles for? Isn't this why you collect them in the first place?