Search found 436 matches

by deltaneutral83
Sat Dec 16, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Buying funds in December
Replies: 6
Views: 796

Re: Buying funds in December

mhalley wrote:
Sat Dec 16, 2017 12:12 pm
I agree that the taxes would be minimal, so probably not worth delaying. Another option would be to look at the list and buy after the payable date.

https://institutional.vanguard.com/iam/pdf/STBAYED.pdf
Why not on the Ex-Div date which is before the payable date?
by deltaneutral83
Wed Dec 13, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Small cap value vs. total market?
Replies: 41
Views: 3444

Re: Small cap value vs. total market?

Merriman posted a podcast on SCV recently.
by deltaneutral83
Tue Dec 12, 2017 11:16 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 133
Views: 13071

Re: What to do after losing $117k in stock market?

You're right. It will feel amazing to see the loan balance go down. Reason i'm on this forum is because I'm struggling to resist the temptation to go back into the market to make some big gains next year and then throw it all into my student loans. I see major opportunities in biotech for example b...
by deltaneutral83
Mon Dec 11, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: What cause BH fear about running out of saving though they have big size of asset?
Replies: 27
Views: 1665

Re: What cause BH fear about running out of saving though they have big size of asset?

What cause BH fear about running out of saving though they have big size of asset? I see many BH have multi millions but still worry about money. What about for the people without savings at all? Haven't seen so many of them crying for money. There are black swans out there that aren't financial th...
by deltaneutral83
Sat Dec 09, 2017 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Why am I still scared ? Is it actually normal ?
Replies: 77
Views: 11933

Re: Why am I still scared ? Is it actually normal ?

At $1.6 million you can spend $64,000 a year based on the 4% rule. Have you ever determined what your expenses are for a year? Do you really need to spend between $85-$100k per year? You might find you live on a lot less. That should be comforting to know. This TNW revelation was made at S&P 2,100 ...
by deltaneutral83
Sat Dec 09, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: 840 credit score Million dollar farm.. low income cannot get Heloc?
Replies: 64
Views: 4465

Re: 840 credit score Million dollar farm.. low income cannot get Heloc?

3.0 Your history of payment reflected in >800 credit score is meaningless we are running a business and all we care about is payment tomorrow. I had an 800 credit score at age 24 after having 3 credit cards in my name for 6 years with zero income/zero assets (obviously assets are an unknown anyhow ...
by deltaneutral83
Sat Dec 09, 2017 11:28 am
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 82
Views: 10665

Re: Just not getting it

There are bold investors, old investors, but rarely both. If your horizon is 20+ years and you are not an industry professional, you statistically have zero business picking single stocks to build out a portfolio. If you are picking 1/2/3 stocks for fun like FAANG, that's speculating and is the equi...
by deltaneutral83
Thu Dec 07, 2017 9:34 am
Forum: Investing - Help with Personal Investments
Topic: Analyzing Expense Ratios
Replies: 39
Views: 2176

Re: Analyzing Expense Ratios

In the 15% tax bracket, it's usually advisable to find the cheapest Tot US index (you mentioned some hefty ER's and loads??) and roll with that up to the 3% match. At this early stage in the game, I wouldn't be worried with AA as it appears you are in the 15% tax bracket. Any left overs should go to...
by deltaneutral83
Wed Dec 06, 2017 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: 3 fund vs Target
Replies: 10
Views: 612

Re: 3 fund vs Target

I get heartburn thinking about keeping bonds in a taxable account which of course doesn't matter if it's in a tax advantaged account. I also don't favor TF's allocation for international equities, i.e. it's too much for me. It's probably too much for Bogle too :happy . You obviously can't TLH a targ...
by deltaneutral83
Mon Dec 04, 2017 5:41 pm
Forum: Personal Consumer Issues
Topic: Understanding the World of Credit Card "Points"
Replies: 60
Views: 3366

Re: Understanding the World of Credit Card "Points"

I would assume most BH have a portfolio of 3-4 cards. It's really leaving crumbs on the table not to, particularly if you own your own small business or if your company let's you use your card for work travel. I do a bit of hacking and I'd say my hourly value is in the neighborhood of $60-$70 per ho...
by deltaneutral83
Fri Dec 01, 2017 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 4M target. Taking money off table. Advice?
Replies: 100
Views: 13679

Re: Reached 4M target. Taking money off table. Advice?

I don't think its psychologically going to happen for the OP to move to 60/40 all in ten minutes of re balancing (tax issues as well). But move closer to 60/40 with each passing year for the next three years, and go 80/20 US/Intl for the 60 portion. Get rid of the health care tilt and any notions of...
by deltaneutral83
Fri Dec 01, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: TD Ameritrade fund replacement
Replies: 42
Views: 4403

Re: TD Ameritrade fund replacement

Was there a definitive answer about which ETF that TDA now offers commission free that now corresponds to VG Tot Intl??? I know SPTM was good for Domestic Tot. I kept my Roth and HSA at TDA.
by deltaneutral83
Thu Nov 30, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Thankful for the Debt we Took - Should we Try Again?
Replies: 95
Views: 8951

Re: Thankful for the Debt we Took - Should we Try Again?

Had you made this move only 18 months sooner in October 2007, you would feel just a little bit differently. Your TIAA guy benefits tremendously from you investing with him vs. paying down debt.
by deltaneutral83
Tue Nov 28, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Inheriting a large sum, slightly intimidated.
Replies: 51
Views: 5149

Re: Inheriting a large sum, slightly intimidated.

I'd start at no lower than 60/40 but also don't see the need for anything above 70/30 with the OP's situation. Reassess in 5 years. 60/40 gives you tremendous bang for your buck. What was it, 32% down peak to trough Oct 2007 to March 2009? That's very doable.
by deltaneutral83
Mon Nov 27, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10730

Re: Didn't buy Bitcoin at $4600

I can't figure out why it's gotten to "water cooler chat" levels. A) It's currency and B) It's digital currency. "A" disqualified me right off the bat and I don't even know how to articulate what "B" means. But good on the people who got in when it was bouncing around $300-$1100 I believe back in 20...
by deltaneutral83
Fri Nov 24, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Discovered debt
Replies: 63
Views: 7599

Re: Discovered debt

Yea this isn't a money issue, this is a marriage hanging on by a thread issue. Hope they figure it out. $200k isn't going to derail their plans but it would derail 90% of Americans into an all out downward spiral.
by deltaneutral83
Wed Nov 22, 2017 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Are these 401k Expenses High?
Replies: 10
Views: 889

Re: Are these 401k Expenses High?

I read this as 25+7+65=97 bps plus ER of the fund you choose, which the S&P Index from Vanguard, assuming that's 3 or less, you're looking at 100 bps, or 1% of AUM which isn't great, and is on the high side, but is nowhere near the highest I've seen for small companies such as 1.4%.
by deltaneutral83
Wed Nov 22, 2017 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Advice to become wealthy
Replies: 58
Views: 5330

Re: Advice to become wealthy

I just started reading a book titled "Isn't That Rich? Life Among the 1%" by Richard Kirshenbaum. The first chapter discusses a person with a 9 figure networth who feels they just can't compete with the billionaires and feel the constant rat race and judgement for silly things like only flying firs...
by deltaneutral83
Tue Nov 21, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14086

Re: Dave Ramsey says don't use credit cards, even if you pay them off

One of you needs to call in on the millionaire hour and tell him that half your wealth is from credit card points, the other half is inherited, and that it's all invested in Bit Coin and Index Funds. Then segue into asking Ramsey if he wants your referral link to your Chase Sapphire Reserve so you c...
by deltaneutral83
Mon Nov 20, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey says don't use credit cards, even if you pay them off
Replies: 221
Views: 14086

Re: Dave Ramsey says don't use credit cards, even if you pay them off

90% of Americans are going to be worse off with credit cards than not. His advice is catered to those 90%, which is fine. It's not a good look to crash on someone that is doing good work for an overwhelming majority of Americans AS COMPARED to their alternative, which is not the BH lifestyle, which ...
by deltaneutral83
Sat Nov 18, 2017 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Personal Advisor Services/Portfolio Review
Replies: 45
Views: 3538

Re: Vanguard Personal Advisor Services/Portfolio Review

It sounds like you know more than enough to go to a 3F portfolio maybe after year one of the 30 bps adviser. Classic 60/40 and go 40/20/40 Total US, Total INTL, Total Bond. It sounds like you are already vetoing your adviser anyhow on some issues that illustrate your capabilities (intl bonds). After...
by deltaneutral83
Fri Nov 17, 2017 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15242

Re: Why pay cash for a car?

There's two debates going on in this topic: used/new and then new financed/new cash. It seems like in the new financed/new cash debate, the new financed option (assuming favorable rate like 0-1%) consumes much more time than walking in and paying cash and being able to negotiate price more. I don't ...
by deltaneutral83
Fri Nov 17, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: Risks of Non-ACA Compliant Health Insurance?
Replies: 66
Views: 2841

Re: Risks of Non-ACA Compliant Health Insurance?

The short term is short term for a reason, most people use it to bridge a gap between jobs. Would never consider it perpetually. I used United short term for 3 months and it was dirt cheap but I had a $20k deduc and it cost under $100. 90 days is the max you can use a short term policy under ACA or ...
by deltaneutral83
Fri Nov 17, 2017 9:29 am
Forum: Investing - Theory, News & General
Topic: Where did you first learn about investing?
Replies: 98
Views: 5216

Re: Where did you first learn about investing?

Learned about the stock market as a teenager in the tech boom, had no idea what a mutual fund was as family member traded single stocks (bad idea). This family member was religious about saving money though. I thought money managers (themselves individually) traded 8-10 single stocks for people to m...
by deltaneutral83
Thu Nov 16, 2017 9:20 am
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37778

Re: Did you tell anyone you paid off your mortgage?

Paying off my mortgage was a huge long term goal; It's one of the things I thought that I needed to do before I could retire. When discussing home mortgages with others, I learned that I was one of the few with paid off mortgages. When I started following Bogleheads I learned that people actually b...
by deltaneutral83
Wed Nov 15, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 96
Views: 13807

Re: Jim Cramer doesn’t beat the market

The only thing I don't like about these types of pundits is when they state "market returns" and equate them to "average returns." This is simply false. Financial Porn for entertainment doesn't bother me in the least, "You can beat the market by x%" or "trade like a pro." Sure, fine whatever. But to...
by deltaneutral83
Tue Nov 14, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 401k investment options (high fees!)
Replies: 26
Views: 1362

Re: Wife's 401k investment options (high fees!)

This is very straight forward for me, 500 SSGA fund 100%. 70 bps isn't the end of the world if that's all in, but there may be admin fees and another AUM fee for the plan on top of the ER based on AUM for the entire company plan. Build out mid/small in other accounts with lower ER's if you choose bu...
by deltaneutral83
Tue Nov 14, 2017 11:16 am
Forum: Personal Finance (Not Investing)
Topic: 35 yr-old doc needs some wisdom
Replies: 49
Views: 11011

Re: 35 yr-old doc needs some wisdom

Think about a compromise of buying these luxury cars you covet with 30k miles on them CPO. They will still provide you the luxury you want without the likelihood of massive repairs at about 70% of the cost, and your first 20k miles should be under factory warranty anyway. I read a lot about either t...
by deltaneutral83
Thu Nov 09, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Extended Warranty on Used Car
Replies: 15
Views: 840

Re: Extended Warranty on Used Car

2004 Audi A4 purchased in August 2007 with 23k miles for $20k at the time. Car was still under 1.5 years of factory warranty. My Extended Warranty was $2400 extra which included $100 deduc and was for 5 years (mileage was insignificant as the 5 years was coming sooner) after Manufact warranty was ov...
by deltaneutral83
Mon Nov 06, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: HDHP+HSA, why mix insurance and investments???
Replies: 21
Views: 1344

Re: HDHP+HSA, why mix insurance and investments???

Your analysis overlooked the concept that you shouldn't invest one penny that you can't leave alone for at least 5 years in the market, and probably ten. Can't afford it(?), then keep HSA in a checking account.
by deltaneutral83
Mon Nov 06, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45115

Re: Fellow TDA bogleheads

TDA's account closure fee is $75, almost 11 trades. So either make sure the receiving custodian is willing to cover the fee, or that you anticipate making more than 11 trades in the near-ish future. I don't like most of the new free ETFs, but I don't trade very often so I feel like I can afford to ...
by deltaneutral83
Mon Nov 06, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: Dividends make up for high mutual fund fees
Replies: 31
Views: 2128

Re: Dividends make up for high mutual fund fees

These types of people who have such a wide misunderstanding of basic mathematical principals also struggle in other areas of finance, not just investing. Be glad they are investing at all though.
by deltaneutral83
Sun Nov 05, 2017 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: College student... Financial mess... Need advice...
Replies: 58
Views: 5854

Re: College student... Financial mess... Need advice...

This is now a business situation. Offering her $1500 cash money to clear her stuff out and tell her it's waiting on her and it's all that you have and that "she wins." I bet your landlord will have it filled within 30 days or you could sublease. Up it to $2500 if that will get her out. She probably ...
by deltaneutral83
Fri Nov 03, 2017 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Max HSA?
Replies: 12
Views: 1268

Re: Max HSA?

Without knowing much about your numbers other than you're rolling past your Deduc and OOP max on your HDHP plan:
-401k up to the match
-HSA
-Roth
-Come back to 401k to max
-Taxable
by deltaneutral83
Thu Nov 02, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds vs. benchmark on American Funds website?
Replies: 25
Views: 1315

Re: American Funds vs. benchmark on American Funds website?

If someone has had AF for 25+ years they aren't moving, which is fine. The next 25 years might not be so kind with the markets getting only more efficient in that same time span. They are still decent for active, and a hefty one time load is much better than 1-1.5% AUM every year. If you are with a ...
by deltaneutral83
Tue Oct 31, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8999

Re: My 401k is almost all cash now. 1/2 Mil

There is no point of going any further in investing until a complete grip around emotions is managed. Has the OP looked at what his account would be had he left everything since 1999 with just a yearly re balance? Something tells me it would be significantly more than he has now.
by deltaneutral83
Mon Oct 30, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Early-retired 35 year old with $1 million
Replies: 198
Views: 18896

Re: Early-retired 35 year old with $1 million

OP, The people her are rediculously conservative. You have $1million and want to live on $30k. Historically your assets will continue to grow over the years allowing you some lifestyle creep to your $30k/yr. This is the same crowd that tells a 50 year old they can't retire on $2.5 million spending ...
by deltaneutral83
Fri Oct 27, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: Investing Inheritance Late in Cycle
Replies: 27
Views: 3105

Re: Investing Inheritance Late in Cycle

I have looked into the three fund allocation however bonds and internationals are a huge drag on a portfolio weighted like that. Yes the value/growth could be captured in one fund but when both funds cost 0.15 or less in not too worried about fees. If you look at vanguards portfolio Wellington, Wes...
by deltaneutral83
Fri Oct 27, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: International Returns this month
Replies: 19
Views: 1754

Re: International Returns this month

Hence my question has been about the past month; could the tide be turning? To have any desire to invest and make a post about a particular month for a particular portion of your AA is alarming to say the least. This was mentioned directly after your initial post probably by smarter people than I. ...
by deltaneutral83
Fri Oct 27, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Index investing is boring
Replies: 63
Views: 5691

Re: Index investing is boring

September 2008-March 2009 wasn't boring.
by deltaneutral83
Thu Oct 26, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45115

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Correct me if I am wrong, but can't you do a once per year "in-kind" transfer to another HSA? (My HSA is invested in TDA.) In a tax advantaged account, especially as small as an HSA, I'd just swap out your Vanguard ETF for the State Street comparable. I did this last week. No big deal. You also may...
by deltaneutral83
Wed Oct 25, 2017 3:48 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade user? Question regarding selling Free ETFs
Replies: 40
Views: 4328

Re: TD Ameritrade user? Question regarding selling Free ETFs

Yes. I got the notification. That is the reason I am doing the selling right now. We have more than 10 accounts with TD, so it is a lot of work to replace all of them one by one with the ideal asset allocation. My favorite is that if you did any buying of Vanguard ETFs say, October 13th which was b...
by deltaneutral83
Tue Oct 24, 2017 1:20 pm
Forum: Investing - Theory, News & General
Topic: Building very high net worth
Replies: 81
Views: 8498

Re: Building very high net worth

I believe in 2015 $7-8MM puts you in the 1% for NW. I would guess that number is $8-9 now, and closer to $9MM. You are mathematically stating that being well into the 1% for NW is "just comfortable." Of course where you live has major implications and I'm assuming you are incorporating VHCOL. J. Pa...
by deltaneutral83
Tue Oct 24, 2017 9:17 am
Forum: Investing - Theory, News & General
Topic: Building very high net worth
Replies: 81
Views: 8498

Re: Building very high net worth

Honestly, if you are talking about high net worth, $12 million no longer qualifies because there are now over 2,000 billionaires. I would think it would take at least $100 million to be considered "quite wealthy" these days. $12 million is just comfortable when a new studio apartment can easily cos...
by deltaneutral83
Tue Oct 24, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Help - 401k John hancock Fund Selection
Replies: 14
Views: 1051

Re: Help - 401k John hancock Fund Selection

Depends on how muddy you like it. 12 bps is enough of an ER difference for me to just do the 500 fund and balance out on the small caps (to build the US total) in my taxable. If you just want continuity pay the 12 bps extra and do the US total and it looks like their Intl fund is also a similar ER (...
by deltaneutral83
Fri Oct 20, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45115

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

is there a glaring reason NOT to expect the new funds to perform similarly to the corresponding vanguard ETFs? seems like if the funds are tracking the same things, then they should perform similarly in the long run. if the funds go out of existence for some reason, then will you lose the money in ...
by deltaneutral83
Fri Oct 20, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: 401k "only" up 13.5% YTD
Replies: 26
Views: 2779

Re: 401k "only" up 13.5% YTD

I think you have figured out your question. The only real difference is that you reduced your Intl. from 31% to 10%. Since Jan 1, Intl Tot. has gained nearly 23% and the US Total has gained only 15%
by deltaneutral83
Fri Oct 20, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: 401k "only" up 13.5% YTD
Replies: 26
Views: 2779

Re: 401k "only" up 13.5% YTD

You compare each one of your funds to it's benchmark, if you already use the "benchmark" for each fund and you are getting a competitive ER for each fund then you never really have to wonder as you are getting market returns at the lowest/competitive cost possible. Now if your asset allocation is an...
by deltaneutral83
Thu Oct 19, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 484
Views: 45115

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

If you've made a trade within two weeks but sell it and buy off the the new commission free lists, will they hit you with the short term fee or waive it for the next month until November 21 as people transition?
by deltaneutral83
Thu Oct 19, 2017 8:32 am
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 175
Views: 27488

Re: Sitting on cash....Waiting for a crash

Houe wrote:
Thu Oct 19, 2017 8:15 am
It seems like there is a lot of fear lately. Dow down 100 today.
The vix is pretty much at a 25 year low or very near it. What indicator are you using to gauge fear?