Search found 15 matches

by finance_learner
Thu Jun 21, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: Effect of Index funds on Market Efficiency
Replies: 19
Views: 1383

Re: Effect of Index funds on Market Efficiency

Thank you all for the great insights. You all seem to make very compelling arguments as to why I shouldn't worry. My only question is attribution of institutions as "non-index"-I just don't know enough, I would assume that a sizable chunk of institutions offer index and target date funds? I'm just y...
by finance_learner
Thu Jun 21, 2018 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 7289

Re: Washington GET 529 Reopened: Good deal?

Harvard is cold and expensive ;) Sorry, I log in very infrequently. I did end up signing on. As with every investment, there is alot of uncertainty with respect to opportunity costs and one has to make their own trade offs. Despite the lower expected returns, I committed for the following reasons 1)...
by finance_learner
Wed Jun 20, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Effect of Index funds on Market Efficiency
Replies: 19
Views: 1383

Effect of Index funds on Market Efficiency

Hi, I'm just your everyday investor but I've read the large flow of capital into index funds (now comprising somewhere near half of stock investments). I wonder how that affects Market Efficiency as it pertains to individual investors in the long term (if we expect the proportion of funds in index f...
by finance_learner
Wed Jun 20, 2018 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 7289

Re: Washington GET 529 Reopened: Good deal?

Sorry, I log in very infrequently. I did end up signing on. As with every investment, there is alot of uncertainty with respect to opportunity costs and one has to make their own trade offs. Despite the lower expected returns, I committed for the following reasons 1) diversification of my other sour...
by finance_learner
Wed Apr 04, 2018 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Credit freeze and annual internet provider changes
Replies: 3
Views: 677

Re: Credit freeze and annual internet provider changes

Thank you both! It turns out I can prepay for Comcast by one month to get them not to pull my credit. So that works!
by finance_learner
Sun Mar 25, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Credit freeze and annual internet provider changes
Replies: 3
Views: 677

Credit freeze and annual internet provider changes

Hello, I'm finally getting around to doing credit freezes at the big 3. But there is at least 1 circumstance in which annually we would need a credit inquiry: switching ISPs (internet providers). Our region has two ISPs (Comcast and Centurylink). The plan is to alternate between the 2 ISPs every yea...
by finance_learner
Thu Dec 28, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 7289

Re: Washington GET 529 Reopened: Good deal?

... and for the last 20 years UW tuition has been increasing by ~6%/year While that is true, the tuition rate increase is now tied to rate increase of hourly wages (http://www.get.wa.gov/sites/default/files/documents/REFUND-CANC-POLICYrev-12-11-17.pdf). So don't expect that tuition rates at UW will...
by finance_learner
Sat Oct 07, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 7289

Re: Washington GET 529 Reopened: Good deal?

EddyB wrote: ↑Fri Oct 06, 2017 5:54 pm letsgobobby wrote: ↑ I agree. Would think that the premium rates (i.e. purchase price) is based on sound acturarial models. The fact that the premiums are so low now suggests that UW tuition (which I guess is inversely correlated with tax revenue) is not going...
by finance_learner
Fri Oct 06, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 7289

Re: Washington GET 529 Reopened: Good deal?

I live in WA and my oldest just started college this year. We didn't do GET. I wanted to have money in the end not college payment credits. I ended up using another state's 529 program allowing contribution to index funds. You never know what will happen with college costs. What if they get subsidi...
by finance_learner
Fri Oct 06, 2017 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 7289

Re: Washington GET 529 Reopened: Good deal?

Agreed. The only concern I have is that it seems like WA state tax revenue is likely to be high for the long term due to the sharp increases in home prices (and increases in number of homes for that matter). Therefore we may not see the historical increases in WA state tuition in the future. Was the...
by finance_learner
Fri Oct 06, 2017 12:55 am
Forum: Investing - Help with Personal Investments
Topic: Washington GET 529 Reopened: Good deal?
Replies: 50
Views: 7289

Washington GET 529 Reopened: Good deal?

All, The Washington GET 529 (details below for those who do not know what that is) reopened. The GET Committee voted to set the 2017-18 unit purchase price at $113 == $11,300 and the current tuition is $10,753. This means you only lose $600 out to start with and for the last 20 years UW tuition has ...
by finance_learner
Wed Sep 20, 2017 12:56 am
Forum: Personal Finance (Not Investing)
Topic: Rent out vs Sell with models
Replies: 2
Views: 472

Rent out vs Sell with models

All, I have the Rent out vs Sell (current primary residence) question. I've never been a landlord and we thinking about a move to a new city. Our current and expected future income are such that we are able to max out on our 401K and IRA each year and have a decent amount left over for taxable accou...
by finance_learner
Wed Aug 16, 2017 1:07 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest after maxing out, with a twist
Replies: 14
Views: 2674

Re: Where to invest after maxing out, with a twist

Thank you all. To clarify, in the case of if I move to another region and we rent our previous property (using a property management company) and buy in the new city, based on rough estimates, the equity in the home is such that rental income should at least break even if not contribute to net posit...
by finance_learner
Mon Aug 14, 2017 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest after maxing out, with a twist
Replies: 14
Views: 2674

Re: Where to invest after maxing out, with a twist

Thank you all for your input. It seems the opinions are either taxable account or save for potential down payment in a new location. Any thoughts on 1 versus the other? The other factor is that if we move and make our current residence a rental, then we would hire a management company which would ea...
by finance_learner
Mon Aug 14, 2017 1:37 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest after maxing out, with a twist
Replies: 14
Views: 2674

Where to invest after maxing out, with a twist

Hi all, I’m new to this forum and read the The Bogleheads' Guides 4 years ago and have worked steadily on my finances. I have a been given a raise recently and I was wondering where I should put my additional cashflow (~$1500/mo). The options that I am considering are paying down mortgage, 529, savi...