Search found 153 matches

by nasrullah
Fri Nov 23, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: New TV Recommendations Please?
Replies: 80
Views: 5422

Re: New TV Recommendations Please?

I’ve been very happy with the TVL series 5 that we bought. Yes TVs are cheap and they depreciate almost 100% instantly so I’ve been reluctant to spend any real money on one.
by nasrullah
Mon Nov 05, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: 80 year old wants to invest $100k to get ~$10k annually. Options?
Replies: 22
Views: 3909

Re: 80 year old wants to invest $100k to get ~$10k annually. Options?

Asking for a elderly acquaintance. What would you advise? She just sold some property and has $100k to invest. The property was generating $1k per month in rental income and she'd like to achieve a similar amount of annual income if possible (i.e. $8-12k/year). She is risk adverse and couldn't stom...
by nasrullah
Mon Nov 05, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Are we in trouble?
Replies: 106
Views: 12881

Re: Are we in trouble?

*) Currently i am unhappy with the new job and might have to look around. *) did not expect the old house to stay unsold for such a longtime and did not expect the housing market to be so bad. the house is in a desibrable area with very good schools. so i am baffled on that. *) The new house build ...
by nasrullah
Sat Oct 27, 2018 3:15 pm
Forum: Investing - Theory, News & General
Topic: Vangaurd Personal Advisory Services - Do they provide AA and TLH advise based outside accounts?
Replies: 9
Views: 792

Re: Vangaurd Personal Advisory Services - Do they provide advise based outside accounts?

I linked my external accounts to Vanguard. They used this information to hit my desired AA. They will not manage the external account, but they should be able to reference it.
by nasrullah
Tue Oct 16, 2018 5:34 pm
Forum: Investing - Theory, News & General
Topic: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"
Replies: 203
Views: 11409

Re: "Why Jack Bogle Doesn't Own Non-U.S. Stocks"

I'm onboard with Vanguards argument/research on why to hold 40% International (IIRC the primary point is decreasing volatility in your portfolio). Of course looking at my portfolio from the past few days, International sure does feel like the opposite of decreased volatility.
by nasrullah
Tue Sep 25, 2018 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: CA Resident - What Vanguard Bonds in Taxable Account?
Replies: 7
Views: 1039

Re: CA Resident - What Vanguard Bonds in Taxable Account?

Reading past threads on this it seems the general consensus is to use: 50% state specific long term muni 50% national intermediate term tax exempt (most leaned to intermediate term, some short term) Provided that the muni doesn't cross (x) threshold of total portfolio value (where x is a percentage ...
by nasrullah
Tue Sep 25, 2018 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: CA Resident - What Vanguard Bonds in Taxable Account?
Replies: 7
Views: 1039

CA Resident - What Vanguard Bonds in Taxable Account?

Hello, * Related to this question https://www.bogleheads.org/forum/viewtopic.php?f=1&t=259768 Bogleheads investment philosophy #8 = minimize taxes. Unfortunately 96% of my portfolio is held in taxable accounts - and as a result most of bonds are going to be here. Conventional advice is to use a Muni...
by nasrullah
Tue Sep 25, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Employer says no to relocation as employee, should I offer to be contractor?
Replies: 37
Views: 3125

Re: Employer says no to relocation as employee, should I offer to be contractor?

Offering to be a contractor (and asking for increases in compensation) is not going to resolve the issue. For all intents and purposes being a 1099 still creates all of the same issues as a W2 for the company. As soon as the company establishes a nexus in a state (by opening an office / having emplo...
by nasrullah
Tue Sep 25, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: I need help with the next step to a three fund portfolio
Replies: 5
Views: 872

Re: I need help with the next step to a three fund portfolio

I set up a spread sheet to manage this. I used Morningstar Instant Xray to determine the 9-box percentage for each fund. I then determine the 9-box for the 3 fund portfolio I desire. My spreadsheet then tells me what to buy to balance things out. I don't get OCD about this. Close is good enough. Th...
by nasrullah
Mon Sep 24, 2018 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: I need help with the next step to a three fund portfolio
Replies: 5
Views: 872

I need help with the next step to a three fund portfolio

Emergency funds: Six Months Debt: Mortgage $1.164M 30 year fixed 3.65% Tax Filing Status: Married Filing Jointly, 2 Children Tax Rate: 33% Federal, 10.3% State State of Residence: California Age: 39 Desired Asset allocation: 75% Stocks / 25% Bonds Desired International allocation: 20% Current portfo...
by nasrullah
Sun Sep 16, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Age in Bonds - Still Recommended?
Replies: 152
Views: 12053

Re: Age in Bonds - Still Recommended?

I guess I'm the only one on this forum who doesn't care about AA. I keep 10 years worth of annual expenses in bonds, CDs, money market, and savings, and the rest is in stock regardless of the %. The 10 year number is my exact target as well. Using 75/25 until I get there and then will be all equiti...
by nasrullah
Tue Sep 11, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need investment advise for 7 figure portfolio
Replies: 8
Views: 1386

Re: Need investment advise for 7 figure portfolio

You need to come up with an investing philosophy. Having cash on hand and talking about market downturns is market timing which has been shown time and time again to not work unless you're lucky. Remember people were saying the market was going to go down 2 years ago and we've had some great return...
by nasrullah
Tue Sep 11, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Need investment advise for 7 figure portfolio
Replies: 8
Views: 1386

Re: Need investment advise for 7 figure portfolio

Woah, this gives me flashbacks. First things first. You should write your IPS and figure out your AA at the same time. This is most of the battle. When you get these two things worked out, the rest is just implementing the plan. By the books your 90/10 is a very aggressive AA for your age - also by ...
by nasrullah
Tue Sep 11, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Small business credit card recommendations
Replies: 17
Views: 1161

Re: Small business credit card recommendations

Amex Platinum

Amazing customer service - and when you figure it out, incredible benefits with the card. Worth well more than the annual fee. Points exchange everywhere.
by nasrullah
Tue Sep 11, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: Laptop for a middle school student (tech issues with Chromebook)
Replies: 7
Views: 828

Re: Laptop for a middle school student (tech issues with Chromebook)

If you haven't already, try the Android store for the software that you need. I've found that the native Chomebook application might not work properly, but the Android version does what you need. The 13" Macbook Air is the best all around laptop I've ever found. Relatively inexpensive, ridiculous ba...
by nasrullah
Wed Aug 08, 2018 11:44 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 14552

Re: "Age in Bonds" fails almost everyone

vineviz wrote:
Mon Aug 06, 2018 3:32 pm
"Own your age in bonds" is repeated so often as conventional wisdom that I'm not sure many investors stop and appreciate just how bad this piece of advice is.
Very interesting - thanks for the post.
by nasrullah
Mon Aug 06, 2018 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Any Experience? - Vanguard Customer Service When Transferring Accounts from Large Brokerage Firm
Replies: 19
Views: 1178

Re: Any Experience? - Vanguard Customer Service When Transferring Accounts from Large Brokerage Firm

Hi - first time user here. Thanks in advance to everyone here for any help / advice. Im considering moving all my accounts from Northwestern Mutual to Vanguard. My recent research has revealed some poor reviews regarding the customer service at Vanguard when trying to transfer accounts from other b...
by nasrullah
Fri Jul 27, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Toughest Purchase of my Life. Engagement Ring time
Replies: 207
Views: 10484

Re: Toughest Purchase of my Life. Engagement Ring time

I've spent many months on Blue Nile and I can't push myself to pull the trigger on an engagement ring. :| Although I'm sure my girl would be extremely happy. To me, it's a complete waste of money. How can I get over this? The current ring I'm looking at 1.1 Carat, round diamond, color I, VS2, Perfe...
by nasrullah
Wed Jul 25, 2018 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Moving away from Wealthfront; need a quick AA sanity check
Replies: 8
Views: 1087

Re: Moving away from Wealthfront; need a quick AA sanity check

For tax-deferred, I intend to hold 100% Wellington VWENX (65/35). For taxable, a little more complicated (85/15 overall). 35% Total Stock Market VTSAX 30% Developed Stock Market VTMGX 18% Emerging Stock Market VEMAX 7% Dividend Appreciation VDADX 10% Tax-Exempt Bonds VTEAX Remember your AA is appli...
by nasrullah
Wed Jul 25, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Quicken Alternative
Replies: 2
Views: 261

Quicken Alternative

I've been using Quicken for 20+ years now, each year has been a little worse, a little more aggravating, a little more frustrating. This morning I couldn't open my Quicken file because their cloud sign-in system was down - mind you I don't use their cloud services, or sync to the cloud, etc... Is th...
by nasrullah
Wed Jul 25, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Closing Wealthfront and Betterment accounts: Guidance requested
Replies: 32
Views: 2762

Re: Closing Wealthfront and Betterment accounts: Guidance requested

Fearing short-term capital gains, i did not right away close the accounts (at Wealthfront and Betterment) and instead continue to have the funds sitting with these two firms. If you log into your accounts you can get an account statement online. This will detail your long/short positions. No need t...
by nasrullah
Wed Jul 25, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Need Help with PAS plan
Replies: 16
Views: 1122

Re: Need Help with PAS plan

Hi, I wrote before about investing my taxable savings, but was very hesitant about moving forward...for a number of reasons. Anyway, I did go ahead and put 300k of 750k into Target Ret Income, since I'm in a lower tax bracket, at the suggestion of PAS at that time. She told me, she could not manage...
by nasrullah
Tue Jul 24, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Craigslist payment by PayPal - safe or scam?
Replies: 51
Views: 3921

Re: Craigslist payment by PayPal - safe or scam?

SCAM!

Basically after your item ships out, they lodge a "I didn't get it / it's damaged" complaint with Paypal. Paypal refunds money, you're SOL.

Cash is the only thing I take on Craigslist.
by nasrullah
Wed Jul 18, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sub-Asset Allocation Model, Personal Advisor Service
Replies: 26
Views: 2586

Re: Vanguard Sub-Asset Allocation Model, Personal Advisor Service

This is more of a general observation I've noticed. When I discovered MPT through a Robo I never questioned their allocation percentages, what the holdings were, why, etc... I just selected my risk value and gave them money. I had no idea what I was doing, my taxable accounts had a relatively low ri...
by nasrullah
Wed Jul 18, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sub-Asset Allocation Model, Personal Advisor Service
Replies: 26
Views: 2586

Re: Vanguard Sub-Asset Allocation Model, Personal Advisor Service

Real Estate Index Fund Admiral Shares (VGSLX) is a sector focused fund in the same way that the Information Technology Index Fund Admiral Shares (VITAX) and Health Care Index Fund Admiral Shares (VHCIX) are. You have a very focused allocation in a specific sector when you hold any of these funds. Th...
by nasrullah
Tue Jul 17, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie: 35 and I have no idea what I'm doing
Replies: 9
Views: 1570

Re: Newbie: 35 and I have no idea what I'm doing

What's the best way to go about rebalancing funds in the taxable account? Should I wait until the 1 year mark to rebalance for long term capital gains? I'm okay with a three fund portfolio. I'd like to make an attempt to buy a house in the next ~4 years or so. Assuming I'd need $80k-$100k for a dow...
by nasrullah
Tue Jul 17, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2936

Re: When to invest 100000?

Also, there's lots of research showing what happens if you miss just the x best days of the market. Feels like every few months one of these comes out again. http://www.businessinsider.com/cost-of-missing-10-best-days-in-sp-500-2015-3 https://am.jpmorgan.com/us/en/asset-management/gim/adv/insights/g...
by nasrullah
Tue Jul 17, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Accepted new job, immediately laid off at old one?
Replies: 37
Views: 6295

Re: Accepted new job, immediately laid off at old one?

*update* EVERYTHING HAS CLEARED AND I START IN TWO WEEEEEEEEEEEEEEEEEEEEEEEEEEEEEKS!!!!!!!!!! WHOOOOOOOOO HOOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO looks like I was freaking out for no reason. wow. will still be paid for a extra 8 weeks after I start working at the new company..legit just double income for ...
by nasrullah
Tue Jul 17, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: divorce- helping my best friend
Replies: 5
Views: 1466

Re: divorce- helping my best friend

ready20 wrote:
Tue Jul 17, 2018 1:27 pm
Him and his wife are splitting their Vanguard taxable account 70/30 (lots of capital gains)
Specific requirements on what to do, how to do, and how taxes are accounted for will be part of their divorce settlement.
by nasrullah
Tue Jul 17, 2018 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: divorce- helping my best friend
Replies: 5
Views: 1466

Re: divorce- helping my best friend

Grt2bOutdoors wrote:
Tue Jul 17, 2018 6:43 pm
Call Vanguard and find out.
+1
by nasrullah
Mon Jul 16, 2018 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Sub-Asset Allocation Model, Personal Advisor Service
Replies: 26
Views: 2586

Re: Vanguard Sub-Asset Allocation Model, Personal Advisor Service

It also recommends liquidating VGSLX - my best performing fund in the first half of 2018. Past performance does not guarantee future results. Vanguard (and as a result) PAS is very consistent on their recommended holdings based on your asset allocation target. They will account for your existing ho...
by nasrullah
Mon Jul 16, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Looking for a VOIP Replacement for Skype On Mac
Replies: 2
Views: 370

Re: Looking for a VOIP Replacement for Skype On Mac

I feel your pain. I hate every revision that they've made to Skype lately. It's going to be extremely difficult to match or beat the general call quality and cost of Skype, they really do excel at these things. So beyond telling you to just stay put (you should), check out Google Voice and Google Pr...
by nasrullah
Mon Jul 16, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Accepted new job, immediately laid off at old one?
Replies: 37
Views: 6295

Re: Accepted new job, immediately laid off at old one?

I'd say you were extremely lucky on your timing - there are much cheaper ways to get rid of an employee than a layoff with severance. I wouldn't doubt the new job offer or it disappearing on you, but as other's have pointed out starting an active job search to find a backup (or even better) plan wou...
by nasrullah
Mon Jul 16, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Saved up down payment, but may not be buying soon; where to place money
Replies: 2
Views: 387

Re: Saved up down payment, but may not be buying soon; where to place money

If you don't need the money in the short term, I would recommend investing in a three fund portfolio at the AA appropriate for your complete portfolio.
by nasrullah
Mon Jul 16, 2018 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to invest, but where?
Replies: 4
Views: 408

Re: Planning to invest, but where?

JBTX wrote:
Mon Jul 16, 2018 6:58 pm
Max out your 401k first. Not just to the employer match.
+1
by nasrullah
Mon Jul 16, 2018 11:49 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation with multiple retirement accounts
Replies: 10
Views: 944

Re: Asset Allocation with multiple retirement accounts

This seems like a stupid question but i'll go ahead and ask anyways. I currently have a 401(a), 403(b) and a Roth IRA. Now say I want a 60/40 portfolio and I want to follow the three fund theory. Does that mean that each account holds one of the three funds, or does each account hold all three fund...
by nasrullah
Mon Jul 16, 2018 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis + 125K Cash to Invest
Replies: 41
Views: 1839

Re: Portfolio Analysis + 125K Cash to Invest

Almost certainly Total Stock Market Index Fund Admiral Shares. Bonds I'm challenged. Willing to take riskier bond investments, but unsure where to go, and also with respect to the tax questions. Full stop, do not pass go, do not do anything. Read the wiki, purchase and read the recommended books. T...
by nasrullah
Sun Jul 15, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis + 125K Cash to Invest
Replies: 41
Views: 1839

Re: Portfolio Analysis + 125K Cash to Invest

I cannot stress this enough. Spend the time and learn/understand why you are selecting an AA. You'll read over and over again "stay the course". I found that understanding why I ended with the AA I have, how that could affect me in a downturn, and what my long term returns for retirement look like m...
by nasrullah
Sun Jul 15, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis + 125K Cash to Invest
Replies: 41
Views: 1839

Re: Portfolio Analysis + 125K Cash to Invest

Basically Age in Bonds and with your salary and income potential you get to count social security as part of your "safe" allocation and increase your equity risk in your accounts as a result.
by nasrullah
Sun Jul 15, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis + 125K Cash to Invest
Replies: 41
Views: 1839

Re: Portfolio Analysis + 125K Cash to Invest

From a quick glance, I would clean up my portfolio by committing to a asset allocation and eliminating of most of those funds. I would also keep the $100k in cash until you have a clear and simple investment path. +1 Any suggestions on allocation? I've read a lot of people here whose targets are si...
by nasrullah
Sun Jul 15, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis + 125K Cash to Invest
Replies: 41
Views: 1839

Re: Portfolio Analysis + 125K Cash to Invest

DRK -- Thank you for the response. My replies: 1. As background, yes, biglaw. I apparently miscalculated my tax rate, so I believe you on that (a $15,000 bonus, if I reach my hours) would get me up pretty close to 35%, no?) 2. Regarding my Schwab Taxable account: All funds are set to reinvest divid...
by nasrullah
Sun Jul 15, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis + 125K Cash to Invest
Replies: 41
Views: 1839

Re: Portfolio Analysis + 125K Cash to Invest

ny_rn wrote:
Sun Jul 15, 2018 12:50 pm
From a quick glance, I would clean up my portfolio by committing to a asset allocation and eliminating of most of those funds. I would also keep the $100k in cash until you have a clear and simple investment path.
+1
by nasrullah
Sun Jul 15, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should we sell our business?
Replies: 61
Views: 5598

Re: Should we sell our business?

There are so many red flags I don't know where to start. We’re a married couple in our late 40s with a teenager. We have $1.8M invested and have $700k in real estate (includes primary residence). Together we own and operate a business with profits of around $300k a year. I'm assuming this includes y...
by nasrullah
Wed Jul 11, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: looking for a new (online) savings account home
Replies: 23
Views: 2302

Re: looking for a new (online) savings account home

Ally has been very easy to work with. Haven't found 0.10% worth the hassle to go somewhere else.
by nasrullah
Wed Jul 11, 2018 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - how do I deal with emergency/savings cash in my portfolio?
Replies: 6
Views: 425

Re: Portfolio Checkup - how do I deal with emergency/savings cash in my portfolio?

KlangFool wrote:
Wed Jul 11, 2018 1:12 pm
OP,

Effectively, you have another 776K of the emergency fund now.

<<$776,539.84 51.58% Vanguard Federal Money Market Fund VMFXX >>

KlangFool
Opportunistic asset sales that were just converted to cash. Pending investment according to AA and Emergency Fund needs.
by nasrullah
Wed Jul 11, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Starting the "Three Fund Portfolio"
Replies: 13
Views: 3566

Re: Starting the "Three Fund Portfolio"

I say that to indicate I am a little more risk tolerant for this after tax account which is why I have my allocations like they are but please feel free to comment. I used to do this as well. The reality is that your AA dictates your risk, your risk profile determines your AA, and this is a encompa...
by nasrullah
Wed Jul 11, 2018 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - how do I deal with emergency/savings cash in my portfolio?
Replies: 6
Views: 425

Portfolio Checkup - how do I deal with emergency/savings cash in my portfolio?

Emergency Funds: 3 Months (approximately) Debt: Mortgage $1,168M @ 3.650% Tax Filing Status: Married Filing Jointly Tax Rate: 32% Federal, 9.3% State State of Residence: California Age: 39 Desired Asset allocation: 75% Stocks / 25% Bonds Desired International allocation: 30% Current retirement asset...
by nasrullah
Tue Jul 10, 2018 3:43 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 100
Views: 15880

Re: Six stocks make up 98% of S&P 500 gains in 2018

Maybe along the lines of: “Don’t look for the needle in the haystack. Just buy the haystack.”
by nasrullah
Tue Jul 10, 2018 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: 28/F looking for some financial advice
Replies: 22
Views: 2758

Re: 28/F looking for some financial advice

First off, congratulations for doing so well. I wish I was as smart as you to be in your position at 28. The hardest Boglehead lesson for me to learn was to look at your entire portfolio as one entity. Taxable, Tax Advantaged, Cash, all of it. Making this mental shift was hard but eye opening. What ...