Search found 3996 matches

by aristotelian
Thu May 17, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Long term investment in grains/wheat
Replies: 22
Views: 1260

Re: Long term investment in grains/wheat

Stock in Archer Daniels, The Andersons, or Cargill?
by aristotelian
Thu May 17, 2018 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Gifts for Kids... 529? Savings Bonds? What's the best option?
Replies: 8
Views: 696

Re: Financial Gifts for Kids... 529? Savings Bonds? What's the best option?

Open your own 529 with the kids as beneficiaries. No worries about the money being misspent because it is technically yours until it is distributed. UTMA would be another option.
by aristotelian
Thu May 17, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: Good idea investing now in long term funds?
Replies: 57
Views: 3897

Re: Good idea investing now in long term funds?

The argument that you have to be able to hold LT bonds for X number of year would also seem to apply to stocks. I think I would be Ok holding a certain allocation in LT bonds, but it should be regarded more like "alternatives" that have the same risk profile as stocks but aren't correlated to the m...
by aristotelian
Thu May 17, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: Good idea investing now in long term funds?
Replies: 57
Views: 3897

Re: Good idea investing now in long term funds?

The argument that you have to be able to hold LT bonds for X number of year would also seem to apply to stocks. I think I would be Ok holding a certain allocation in LT bonds, but it should be regarded more like "alternatives" that have the same risk profile as stocks but aren't correlated to the ma...
by aristotelian
Thu May 17, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Hot food flavoring (sauces, spices and peppers)
Replies: 51
Views: 2634

Re: Hot food flavoring (sauces, spices and peppers)

My go-to is Tapatio. Unfortunately the salt is kind of what makes them jump. You can also just steep some jalapenos or Thai chilis in white vinegar and a bit of salt. Both the peppers and the vinegar make a good topping for Asian dishes. Also escebeche (not sure if I spelled that right) is a great s...
by aristotelian
Thu May 17, 2018 12:15 pm
Forum: Investing - Help with Personal Investments
Topic: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?
Replies: 12
Views: 500

Re: How do I solve my SEP/solo-401(k)/tIRA (with basis)/backdoor Roth conundrum?

General approach sounds right to me. I don't get why you would have to wait until 2019 to start the process. Why not open the Solo 401k now and start funding it? Roll the SEP into the IRA or the 401k.
by aristotelian
Wed May 16, 2018 8:17 pm
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 361
Views: 15542

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

You can have fairly massive wealth and low taxable income in retirement. Here is a good example: https://www.bogleheads.org/forum/viewtopic.php?t=87471 With tax free Roth and taxable accounts (on which principal has already been taxed), only a small portion of your spending is going to be withdrawin...
by aristotelian
Wed May 16, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Intermediate Treasuries?
Replies: 26
Views: 4531

Re: Total Bond vs Intermediate Treasuries?

OP, I agree with you. I see no reason to hold corporate bonds that are more correlated with stocks. The only reason to hold them is increased return. If I want to increase return I will increase stocks. Back testing isn't 100% but it's the best we got.
by aristotelian
Wed May 16, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Need Input on My Early Retirement Plan.....
Replies: 45
Views: 5257

Re: Need Input on My Early Retirement Plan.....

Yes, makes sense. Outside of cash for 3 years of living expenses (if we go that route), any money not used for the mortgage would remain in stocks. Why would you carry a mortgage at all with a $3M portfolio? You are trying to leverage debt to invest in stocks? I don't think that makes much sense in...
by aristotelian
Wed May 16, 2018 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: Need Input on My Early Retirement Plan.....
Replies: 45
Views: 5257

Re: Need Input on My Early Retirement Plan.....

Yes, makes sense. Outside of cash for 3 years of living expenses (if we go that route), any money not used for the mortgage would remain in stocks. Why would you carry a mortgage at all with a $3M portfolio? You are trying to leverage debt to invest in stocks? I don't think that makes much sense in...
by aristotelian
Wed May 16, 2018 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Need Input on My Early Retirement Plan.....
Replies: 45
Views: 5257

Re: Need Input on My Early Retirement Plan.....

To answer your questions, we're close to $2.9mn now. My wife and I are still working and maxing our our retirement accounts. The money left over normally would go into taxable investment accounts. However, since we're looking to buy a house in two years we're now taking the surplus and putting it i...
by aristotelian
Wed May 16, 2018 6:16 am
Forum: Personal Finance (Not Investing)
Topic: Becoming a Certified Financial Planner
Replies: 21
Views: 2124

Re: Becoming a Certified Financial Planner

My understanding is that to even sit for the CFP exam, you need three years full time experience in the business. That would be a dealbreaker for me. Consider taking the CFP coursework and then working as an unlicensed "financial coach" instead. https://www.kitces.com/blog/financial-coaching-what-it...
by aristotelian
Tue May 15, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Would like to learn more about Roth vs Traditional (403b)
Replies: 19
Views: 1270

Re: Would like to learn more about Roth vs Traditional (403b)

Lets agree to disagree. :P I plan on having a 7-figure income in my 50s and 60s. Now, I earn a bit less, so that is why I do 50/50. I am surprised I am not doing 100% Roth 401k to be honest. Why would anyone plan on being less successful/poorer/less income in the future? I will never understand. I ...
by aristotelian
Tue May 15, 2018 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?
Replies: 71
Views: 10276

Re: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?

Seriously though has noone mentioned annuity option. I'm betting the op could spent a million dollars and easily buy an annuity that would pay him 40k after tax a year. A 40 year old could buy an annuity for 1 million that pays 46k a year for life. I thought of that but not sure if that counts as p...
by aristotelian
Tue May 15, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Junk Bond fund
Replies: 65
Views: 3548

Re: Vanguard Junk Bond fund

More risk and higher correlation to stocks than US Treasuries or Total Bond Market. I would consider it only as an "alternative" and not a substitute for your bond allocation.
by aristotelian
Mon May 14, 2018 6:15 pm
Forum: Investing - Help with Personal Investments
Topic: A Very Unique Inflation Fund
Replies: 11
Views: 1251

Re: A Very Unique Inflation Fund

Figure out what's in it and then roll your own version with index funds. You can probably get something 95% correlated with greater transparency.
by aristotelian
Mon May 14, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Good idea investing now in long term funds?
Replies: 57
Views: 3897

Re: Good idea investing now in long term funds?

Probably not a good time if I had to bet. But you never know, stocks could crash at any moment and there could be a flight to safety. If that's why you have long bonds in your portfolio, I would see no reason to change course, as now does not appear to be a good time for stocks either.
by aristotelian
Mon May 14, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: How to think about schools/homes (Greatschools/Niche)
Replies: 70
Views: 4414

Re: How to think about schools/homes (Greatschools/Niche)

Schools are very important. I would certainly consider moving to find one with the right fit. Also consider the availability of private options if publics don't work out. I would not trust Greatschools rankings. Visit the schools yourself, or at least talk to parents in the two areas.
by aristotelian
Mon May 14, 2018 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Special needs inheritance situation: whole life insurance?
Replies: 6
Views: 890

Re: Special needs inheritance situation: whole life insurance?

Simplest option would be for your mom to purchase Long Term Care Insurance to protect her estate. Then she retains control for now and is guaranteed to leave something behind for your sister. I also think she should start gifting to your sister and consider setting her up with an annuity. I definite...
by aristotelian
Mon May 14, 2018 8:21 am
Forum: Personal Consumer Issues
Topic: keyless ignitions and carbon monoxide
Replies: 79
Views: 3928

Re: keyless ignitions and carbon monoxide

The article mentions "over two dozen" people being killed in this fashion since 2006. While tragic in each and every case, this number over this amount of time is hardly indicative of a public health emergency. The original version of the article also claimed that CO built up in a garage not only k...
by aristotelian
Mon May 14, 2018 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Need Input on My Early Retirement Plan.....
Replies: 45
Views: 5257

Re: Need Input on My Early Retirement Plan.....

I am confused. How much money do you have now? Do you have bonds? If you have bonds, why would you carry a mortgage in retirement? They are just canceling one another out. What do you mean that you are "working on" saving cash? Why not simply sell some of your stocks while the market is high? Most p...
by aristotelian
Mon May 14, 2018 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA from Brokerage to Bank CD
Replies: 8
Views: 438

Re: Inherited IRA from Brokerage to Bank CD

Path of least resistance would be to buy CDs through the brokerage. Any of the big brokerages offer CDs from third party banks. Then you also have the option to invest in stocks and bonds.
by aristotelian
Sun May 13, 2018 11:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market instead of bond fund
Replies: 40
Views: 4941

Re: Vanguard Prime Money Market instead of bond fund

If I strongly felt interest rates would rise over the next two years, I would get rid of long duration funds. I would keep mid duration funds only to the extent that I didn t need the fund liquidity. If you felt that stocks were going to go down in the next two years, would you get out of stocks?
by aristotelian
Sun May 13, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Why are rising Bond Yields bad?
Replies: 37
Views: 4380

Re: Why are rising Bond Yields bad?

Let me put in a dissenting view. The market is predicting a very slow rise back to a more normal rate structure, with very low inflation over the next 10 years. Inflation could spike and crush bondholders. The yield curve is low and flat. It has never been this extreme before in the US. Where it ha...
by aristotelian
Sun May 13, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or VEXAX [Vanguard Total Stock Market vs. Extended Market Index]
Replies: 11
Views: 815

Re: VTSAX or VEXAX

Doesn't make much sense to have VTSAX, S&P, and Extended Market, since VTSAX is made up of S&P plus Extended Market. If you want to overweight small and midcap, you would want to get rid of S&P. If you want total stock market, you would just do VTSAX and nothing else. Having all three is needlessly ...
by aristotelian
Sun May 13, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market instead of bond fund
Replies: 40
Views: 4941

Re: Vanguard Prime Money Market instead of bond fund

I use it for my emergency fund. I would not do it for my entire bond allocation as such a low yield will likely lose to inflation and underperform bond market index. Therefore, you will either need to save a lot more or take more risk on the stock side in order to generate the same returns as a stan...
by aristotelian
Sun May 13, 2018 11:20 am
Forum: Investing - Theory, News & General
Topic: Doubling Your Money
Replies: 32
Views: 6617

Re: Doubling Your Money

Depends on the expected return of your portfolio. A conservative estimate would be 20 years using the interest rate on EE Bonds which is about 3.5%. Note that is nominal doubling, not real. Stocks earning 10% average might double in 6 years but of course that is not guaranteed.
by aristotelian
Sat May 12, 2018 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: International Stocks In A Taxable Account Index Fund
Replies: 5
Views: 728

Re: International Stocks In A Taxable Account Index Fund

The reason for holding international in taxable is that taxes on foreign dividends are withheld. When you pay taxes on taxable account, you can get reimbursed for the foreign taxes through the foreign tax credit. If you hold the fund in an IRA, you cannot claim the credit. It's generally not a major...
by aristotelian
Fri May 11, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4346

Re: Should I pay cash for a house?

Are the posters suggesting he invest the money instead of paying cash for the house, currently borrowing money against the equity in their house to put it into the stock market? I am not currently. I invested for 10 years and then paid off the mortgage with gains from the bull market when I had suf...
by aristotelian
Fri May 11, 2018 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 53
Views: 2420

Re: TIAA Real Estate

I do not like investing in instruments that I do not understand, and TIAA is not very transparent in how this fund works or how it is priced. I read the prospectus yesterday, and I think it's transparent how the fund is priced. http://www.tiaa.org/public/prospectuses Here's a summary: Directly held...
by aristotelian
Fri May 11, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: ques
Replies: 47
Views: 4346

Re: Should I pay cash for a house?

The odds are close to 100% that investing stocks will beat the interest rate on a mortgage over 15-30 years. For a 30 year old, I would take the mortgage...but you can't really go wrong either way. You could split the difference and take out a mortgage for $150K or so.
by aristotelian
Fri May 11, 2018 5:40 pm
Forum: Investing - Help with Personal Investments
Topic: How close do you cut your monthly surplus?
Replies: 22
Views: 3018

Re: How close do you cut your monthly surplus?

$1K surplus monthly is silly when you aren't maxing your retirement accounts. Keep in mind that cutting $1K monthly from your paycheck would increase your savings by $1220K in pre-tax account (assuming 22% tax bracket). Since you should have accumulated a bunch of cash by now, I would cut the surplu...
by aristotelian
Fri May 11, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do to lower our oversized emergency fund?
Replies: 35
Views: 3233

Re: What would you do to lower our oversized emergency fund?

#1 Emergency Fund is fine. Some on the forum have EF 10x that. Sometimes "not" doing something when there's an urge to "do something" is "doing something". aloha j I doubt there are many with $1M+ in EF and only $13K x 2 Roth IRA's. OP should absolutely his advantaged accounts. There is no downside...
by aristotelian
Fri May 11, 2018 2:26 pm
Forum: Personal Consumer Issues
Topic: Athens Greece in Sept
Replies: 17
Views: 1258

Re: Athens Greece in Sept

My favorite sight on our Greece trip was the Oracle at Delphi. Mycennae was also cool. Athens didn't do too much for me. Agree that bulk of time is best spent on an island.
by aristotelian
Fri May 11, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate
Replies: 53
Views: 2420

Re: TIAA Real Estate

Like your questions about TIAA Traditional, their Real Estate fund is a unique investment. As a one of a kind investment, it is very hard to evaluate. You kind of have to trust that TIAA knows what they are doing. Although I do have a large % of my fixed income in TIAA Traditional, I personally avoi...
by aristotelian
Thu May 10, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Inheritance - all blue chip - now what?
Replies: 12
Views: 1810

Re: Inheritance - all blue chip - now what?

You could certainly cash out and invest in index funds. I might consider just letting it ride to see how his portfolio does. It obviously worked for him and it at least sounds reasonably diversified. Either way, you probably can't go wrong. 11 years seems like a long time for a trust for a 28 year o...
by aristotelian
Thu May 10, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: move out of bonds into money market and online savings
Replies: 13
Views: 1861

Re: move out of bonds into money market and online savings

Now that yields are higher, now is the time to move into bonds, in my opinion. It's been a while but you can finally get a decent return.
by aristotelian
Thu May 10, 2018 12:09 pm
Forum: Personal Consumer Issues
Topic: Amazon Alternative
Replies: 86
Views: 7635

Re: Alternatives to Amazon

I do not do Prime, so if I am looking for a specific cheap item I will go to ebay. We get all our dog food from Chewys (which is owned by Petsmart). I do occasionally order from Walmart.
by aristotelian
Thu May 10, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Charitable Investing
Replies: 7
Views: 463

Re: Charitable Investing

You have one big portfolio. If you are not making enough contributions to itemize your deductions, there is no value to a separate Donor Advised Fund. Just invest in your overall portfolio as you would normally, and donate as much as you want whenever you want. If you want, you can directly donate a...
by aristotelian
Thu May 10, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5248

Re: What's the view on dogs running free?

Start by having a polite conversation to express your concern. You could assume for the sake of argument that he doesn't know the dog is going onto other people's property. In addition to poop and damage to your yard, dogs on your property could create a liability issue both for you and your neighbo...
by aristotelian
Thu May 10, 2018 8:54 am
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19786

Re: Why International again?

JustinR wrote:
Thu May 10, 2018 1:33 am
Am I crazy for assuming China is going to explode in the next 50 years? Seems obvious to me....
spoonfork wrote:
Thu May 10, 2018 4:25 am
Do you mean explode in a good way or a bad way?
If you have to ask, then it's not obvious!
by aristotelian
Wed May 09, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19786

Re: Why International again?

rudeboy wrote:
Wed May 09, 2018 3:25 pm

I hold international because I expect a reversion to the mean for US stocks. That's the exact opposite of a Black Swan event (although it might feel like one to a US-only investor).
Reversion to mean would be OK. My worry is a Japan scenario.
by aristotelian
Wed May 09, 2018 2:59 pm
Forum: Investing - Theory, News & General
Topic: Why International again?
Replies: 224
Views: 19786

Re: Why International again?

Everyone knows that the US has outperformed the world in recent history. You don't need a chart to prove that. The reason to hold international is to hedge against a Black Swan event in which that is no longer the case.
by aristotelian
Tue May 08, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Why the shift away from the S&P?
Replies: 32
Views: 3944

Re: Why the shift away from the S&P?

Why track the biggest 500 companies? Minor correction, the index is not the 500 largest. It is a set of 500 stocks chosen by a committee to represent the overall market. O.K., name one that has been excluded. I can't think of one. The committee has had a pretty light touch. The only example I can t...
by aristotelian
Tue May 08, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Living off Dividends of Vanguard Total Stock
Replies: 49
Views: 6458

Re: Living off Dividends of Vanguard Total Stock

That seems to me to be unnecessarily aggressive on the allocation side, since you would be in 100% stocks, but unnecessarily conservative on the withdrawal rate side, since you can expect capital gains, and historically you can safely withdraw 4% of a total portfolio of diversified stocks and bonds....
by aristotelian
Tue May 08, 2018 10:56 am
Forum: Investing - Theory, News & General
Topic: Retirement bonds
Replies: 44
Views: 3879

Re: Retirement bonds

Isn't paying into Social Security essentially buying "retirement bonds"? Sounds like this would be like adding a voluntary component.

Seems like an interesting idea, but I would be interested in a lifetime payout option as well.
by aristotelian
Tue May 08, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund Investment Plan
Replies: 24
Views: 2396

Re: Emergency Fund Investment Plan

Having $40K in a 40/60 three fund portfolio within your $70K EF is exactly the same as having an EF of $30K and then adding $16K to your stock allocation and $24K to your bond allocation. Just do that and don't sweat the multiple mini-sub portfolios.
by aristotelian
Tue May 08, 2018 6:20 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3415

Re: TIAA Guaranteed Annuity

Thanks. How much of overall portfolio one should have (or what is a general recommendation) as fixed income? That is an incredibly important and complex topic. General recommendation is at least 30% and not more than 70%. Obviously, that is a large tolerance. The primary factors to consider are you...
by aristotelian
Mon May 07, 2018 7:39 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Guaranteed Annuity
Replies: 83
Views: 3415

Re: TIAA Guaranteed Annuity

OP, TIAA Traditonal Annuity is a complex product. It has different rules and restrictions depending on your share class, and during the "accumulation" phase it is not actually an annuity in the usual sense. I would suggest giving TIAA a call with a pencil and pad of paper in hand. Find out exactly w...
by aristotelian
Sun May 06, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Can We Move To Oahu ?
Replies: 17
Views: 2873

Re: Can We Move To Oahu ?

DidItMyWay wrote:
Sun May 06, 2018 12:24 pm
Yes, you can.
If that's where you both want to be, do it and enjoy!
+1. Go for it. With $2M and a pension, I would absolutely pull the trigger, and hit Kin Wah Chop Suey for cake noodle every day for lunch.