Search found 56 matches

by Quercus Palustris
Wed Aug 14, 2019 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Rent vs. Buy - Running the numbers, what am I missing?
Replies: 55
Views: 3767

Re: Rent vs. Buy - Running the numbers, what am I missing?

While Klang tends to be grim in his posts, I think he's very correct to not let "future appreciation" factor into your decision. I suspect there's some survivor (?) bias on Bogleheads in that folks who bought smart/lucky are happy to post how they benefitted from their home's value appreciating, but...
by Quercus Palustris
Wed Aug 14, 2019 11:13 am
Forum: Personal Investments
Topic: Tell me about TD Ameritrade
Replies: 21
Views: 1480

Re: Tell me about TD Ameritrade

I use TDA through my Lively HSA, and access to the SPDR ETFs is great for a 3-4 fund portfolio (SPAB, SPTM, SPDW, SPEM). Of course that doesn't much help if you need or want mutual funds! Fortunately, they have a pretty good fund screener (have the VG engineers never used TDA, Fido or Schwab's??). Y...
by Quercus Palustris
Mon Jul 22, 2019 8:03 am
Forum: Personal Consumer Issues
Topic: Whole Bean Coffee: Worth the effort?
Replies: 90
Views: 5114

Re: Whole Bean Coffee: Worth the effort?

You could find a friend with a grinder, borrow it, and find out if you prefer the taste. Go this route if you can, or grind enough for a few pots and decide if you like the taste (assuming a Costco sized bag of beans is a bit much to grind in one sitting on a home grinder). Coffee used to just be t...
by Quercus Palustris
Thu Jul 11, 2019 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: KaiZen Life Policy
Replies: 30
Views: 6007

Re: KaiZen Life Policy

Is this thread a honey pot for undercover insurance sales reps from the aforementioned company? Are they paid to Google their name and post in years-dormant threads mentioning them?

(and/or: is all the above one of these "side gigs" people post about?) :twisted:
by Quercus Palustris
Tue Jul 09, 2019 3:23 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 70
Views: 8936

Re: Fidelity Expands Their Index Fund Lineup

I take it that you are going to have access to BrokerageLink? We have Fidelity, and we do not have access to BrokerageLink. We have some decent fund choices, but there are gaps. And we do not have access to BrokerageLink. Yeah, the language we have seen so far confirms BrokerageLink (guessing they ...
by Quercus Palustris
Tue Jul 09, 2019 2:56 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Expands Their Index Fund Lineup
Replies: 70
Views: 8936

Re: Fidelity Expands Their Index Fund Lineup

This is great news - my company 401k is moving to Fidelity later this year, and I much prefer automated investments than having to log in and buy ETFs after each pay day. And if I don't care for Russell 2000 Value, I suppose once a quarter I can sell it down and buy IJS or something else.
by Quercus Palustris
Tue Jul 09, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 94
Views: 11217

Re: What backup service to use?

My concerns about rsync to a cloud are the same as any other protocol transfer. You haven't mentioned anything about encryption, so how are you dealing with data privacy? Have you looked at tarsnap (https://www.tarsnap.com/)? It seems like a good solution for Linux use (rsync to save deltas / reduc...
by Quercus Palustris
Mon Jul 01, 2019 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Do you share your net worth with family members?
Replies: 252
Views: 20981

Re: Do you share your net worth with family members?

Just for a change of pace from the hidden wealth parents - my last year in high school, I peeked in my parent's checkbook ledger. I had more cash from working all summer at $6.50/hr (no expenses!) than they had in savings. Of course I suppose they had home equity, car, IRAs, but looking back we were...
by Quercus Palustris
Wed Jun 26, 2019 10:54 pm
Forum: Investing - Theory, News & General
Topic: How discount brokerages make money
Replies: 18
Views: 2388

Re: How discount brokerages make money

You have just "highly" motivated me to clean up the loose ends in my brokerage accounts. :oops: I definitely don't want to pay for "goodies" for the brokerages. Thanks for posting your example. :happy j My 401k has a Schwab brokerage window which I use. Their auto invest feature runs on the 5th and...
by Quercus Palustris
Sat Jun 22, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: what was your worst major purchase? mine is a 2019 mazda3
Replies: 182
Views: 16565

Re: what was your worst major purchase? mine is a 2019 mazda3

That was a rebadged Toyota Corolla produced in Fremont, CA. You could generally get the vehicle at a 10-15% discount by purchasing it at a Chevrolet dealership. Good deal. Yup, NUMMI - I think that's now the Tesla plant! I had one of the last "Chevrolet" Prizms made (2002), great car. IIRC the only...
by Quercus Palustris
Thu Jun 20, 2019 7:02 pm
Forum: Personal Investments
Topic: Anyone using M1 financial?
Replies: 9
Views: 940

Re: Anyone using M1 financial?

I noticed there's some Closed End Funds too - was looking for state-specific Muni Bond funds, but those seem to be sparse in the ETF world. Didn't end up buying any in the end.
by Quercus Palustris
Wed Jun 19, 2019 4:39 pm
Forum: Personal Investments
Topic: 1-fund, 2-fund or 3-fund portfolio?
Replies: 20
Views: 2423

Re: 1-fund, 2-fund or 3-fund portfolio?

3 fund may have some advantages if you also have 401k or equivalent you are still contributing to - maybe there is a great bond fund there, but expensive international. With a 3 fund Roth @ Vanguard you could adjust your holdings to put more in the lowest expense funds across multiple accounts.
by Quercus Palustris
Tue Jun 18, 2019 12:10 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 15744

Re: What percentage of total portfolio in REIT's do you have? Why?

Maybe a poor analogy (as many are :)), but it strikes me that one could make a similar sounding argument about mom-and-pop chains being underweight in TSM and advocating a microcap tilt on that basis. I think Rick Ferri kind of does say that, from the Core-4 Total Economy portfolio page : Small pri...
by Quercus Palustris
Mon Jun 17, 2019 9:14 pm
Forum: Investing - Theory, News & General
Topic: Pointless to own Emerging Markets fund if already own International?
Replies: 9
Views: 913

Re: Pointless to own Emerging Markets fund if already own International?

Further muddying the water, different index creators treat different countries as "emerging" based on their own criteria. - MSCI indices (IDEV & IEMG from iShares) treats South Korea as emerging - S&P indices (SPDW & SPEM from State Street) treat South Korea as developed - FTSE indices (VTMGX & VEMA...
by Quercus Palustris
Mon Jun 17, 2019 4:51 pm
Forum: Personal Investments
Topic: For those of you who have a factor diversified portfolio, what is yours?
Replies: 55
Views: 4193

Re: For those of you who have a factor diversified portfolio, what is yours?

For my 16% small cap value (in an 80/20 portfolio), I use mostly S&P 600 Value (SLYV) which is pretty popular here for SCV, and a bit of SMLF (iShares Small Multifactor US) where I get it commission free. It tilts heavily to small, modestly to value, and a bit to quality and momentum. It's a bet cos...
by Quercus Palustris
Mon Jun 17, 2019 12:32 pm
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 15744

Re: What percentage of total portfolio in REIT's do you have? Why?

8% of an 80/20 portfolio in REITs, via Schwab REIT Index (SCHH). I use Rick Ferri's Core-4 Total Economy portfolio, which uses the above mentioned tilt to bring REITs to 13% of equities. 23 years away from earliest possible retirement (barring great or terrible luck) so I figure I can ride out any v...
by Quercus Palustris
Thu Jun 06, 2019 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: Failed land investments and what to do with it?
Replies: 139
Views: 9492

Re: Failed land investments and what to do with it?

Here's a story about cheap land in the Klamath County tablelands in southern Oregon. And what these kinds of remote developments can turn into: https://magazine.atavist.com/outlaw-country-klamath-county-oregon-guns-murder Wow, what a read! I was born in Klamath Falls (the "big city") and have alway...
by Quercus Palustris
Tue May 21, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Recently promoted - how to match image with title?
Replies: 54
Views: 5063

Re: Recently promoted - how to match image with title?

Can you point to these studies that show "impossible and conflicting standards at work on how to dress"? I'm a data guy, so I'd love to see them. I'm not sure how much peer reviewed academic data there is on this if that's your standard for proving OP should feel the way she feels. Maybe you can co...
by Quercus Palustris
Tue Apr 16, 2019 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Parents added siblings and I to house title, possible to undo without negative consequences?
Replies: 37
Views: 1743

Re: Parents added siblings and I to house title, possible to undo without negative consequences?

MD has some pretty good tools for researching land records, though if they just made the change to the deed it may not be in the electronic records yet. SDAT is one (from the revenue & taxation dept), and MD Land Recs is the other (actual scanned title documents). SDAT is easy to search but sometime...
by Quercus Palustris
Tue Apr 09, 2019 7:36 am
Forum: Personal Investments
Topic: Should I leave Betterment?
Replies: 33
Views: 6111

Re: Should I leave Betterment?

I switched my IRA from Betterment to Vanguard. I liked Betterment for similar reasons when I was just starting out, but I wanted simplicity, lower fees, and after reading all I could here and some of Bill Bernstein's books I decided to take the plunge. If you care at all about UX and features, I'd h...
by Quercus Palustris
Thu Apr 04, 2019 6:51 pm
Forum: Personal Consumer Issues
Topic: Windows 10 security software
Replies: 33
Views: 2399

Re: Windows 10 security software

Recently set up a laptop for FIL. I don't like being "tech support", so dropped the $$ on a 3 year license for ESET. It's got great performance, perennially scores high in the Virus Bulletin comparison tests, plus I guess I'm a bit swayed having met the founders a long time back. I think if you're e...
by Quercus Palustris
Mon Apr 01, 2019 11:44 am
Forum: Investing - Theory, News & General
Topic: Rich Dad / Poor Dad Investing Theory
Replies: 74
Views: 5794

Re: Rich Dad / Poor Dad Investing Theory

I thought the saying/trope/tautology(?) was that your home is an asset, not an investment. I haven't read the book in over 15 years, when a coworker who was into somewhat questionable side gigs lent it to me.

I think that idea is the only useful thing I got from the book.
by Quercus Palustris
Tue Mar 19, 2019 9:21 am
Forum: Personal Investments
Topic: When to quit feeding the pig?
Replies: 54
Views: 8040

Re: When to quit feeding the pig?

Perhaps the pig could eat a bit more tax advantaged - $10,000 of electronic (Treasury Direct) series I savings bonds per year for each of you, and $5000 in paper series I bonds via tax return, counting towards the fixed income side of portfolio. Isn't it neat, so you would think your collection was ...
by Quercus Palustris
Sun Mar 17, 2019 3:28 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 246
Views: 45115

Re: What's your U.S. : International ratio?

69/31 US/ex-US (core-4 Total Economy portfolio).

AFAIK Fidelity doesn't have a Total Market fund (ACWI/VT), maybe that's why?
by Quercus Palustris
Sat Mar 16, 2019 8:59 pm
Forum: Personal Investments
Topic: Schwab PCRA
Replies: 6
Views: 569

Re: Schwab PCRA

One more thought. You will have to move your money every paycheck from the account to the PRCA. So make sure it worth your time doing this for rest of your career. Another good point. Much harder to set and forget when you've got to manually move stuff around. That may depend. My 401k allows a % of...
by Quercus Palustris
Sat Mar 16, 2019 9:29 am
Forum: Personal Investments
Topic: Schwab PCRA
Replies: 6
Views: 569

Re: Schwab PCRA

Or you could use a combination of these three very diversified, very low expense, index funds: 1) Stock Index (Russell 3000 Index, 0.02%); 2) Non-U.S. Stock Index (MSCI All Country World Index ex U.S. Index, 0.04%); and 3) Bond Index (Bloomberg Barclays US Aggregate Bond Index, 0.04%). My 401k has ...
by Quercus Palustris
Tue Mar 12, 2019 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: How many companies have you worked for?
Replies: 125
Views: 7103

Re: How many companies have you worked for?

5th company since age 15, now 37. Been a contractor for the last two corps, so the jobs themselves have been pretty varied.

I'd like to make it to 10 years somewhere, but that's fairly uncommon (and some argue means the company is taking advantage of you - like trustquestioner says).
by Quercus Palustris
Wed Mar 06, 2019 11:17 am
Forum: Personal Investments
Topic: Vanguard platform is a mess ... UX-wise [User eXperience]
Replies: 69
Views: 6092

Re: Vanguard platform is a mess ... UX-wise [User eXperience]

I think the state of the fund screeners is a good demonstration of the relative states of a brokerage site's UX. Vanguard's is crude and offers few choices. Schwab has a fantastic one. Fido and TD sort of between the two ends. As a web developer I sometimes wonder about how conservative the VG dev t...
by Quercus Palustris
Sat Mar 02, 2019 11:26 am
Forum: Personal Investments
Topic: Request help: Municipal Bonds in Taxable, REIT/Home Equity, Organizing Accounts advice.
Replies: 3
Views: 341

Re: Request help: Municipal Bonds in Taxable, REIT/Home Equity, Organizing Accounts advice.

I agree w/ Goblin for #1. I initially tried replicating 3 fund across accounts, but it's so much simpler following the pitcher/bucket asset location system described in the wiki. See the asset location article for nice illustrations: https://www.bogleheads.org/wiki/Asset_allocation_in_multiple_accou...
by Quercus Palustris
Thu Feb 28, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: How do YOU make coffee?
Replies: 201
Views: 9315

Re: How do YOU make coffee?

Can someone explain to me the whole K-cups thing. No offense to people who like them (like my sister), but I just don't get it. The coffee doesn't seem to be any better (to me), they are expensive, and isn't there a lot of packaging waste? Less drama at work. No "wah wah I don't like this blend", "...
by Quercus Palustris
Tue Feb 26, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: How often do you and your friends change engine oil?
Replies: 167
Views: 8552

Re: How often do you and your friends change engine oil?

Every 6 months on my '17 Altima - a huge waste of synthetic considering that works out to 3-4000 miles :annoyed , but I'm in the warranty period so doing what the manual says. Use whichever synth+filter combo is on sale, might try Amazon oil next time.
by Quercus Palustris
Sun Feb 17, 2019 3:49 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity and Schwab Expand Commission Free ETF list]
Replies: 42
Views: 3360

Re: Schwab expands commission free ETFs

I assume they want to keep their customers who use total market index ETFs in SCHB and SCHF. They did add AGG, which is kind of odd considering the similarity to their own SCHZ. Maybe they only added rival ETFs that duplicate theirs if the new one had higher ER? I noticed Fidelity didn't announce t...
by Quercus Palustris
Sun Feb 10, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)
Replies: 75
Views: 8915

Re: How do YOU buy a car? (TrueCar, Costco, Carvana, etc)

When I bought my car in Sept '17, I used Edmunds site to request quotes from some dealers in the area - not all participate, but it was interesting off the bat to see the difference in prices. Maybe it also helps that if you go to them with an Edmunds quote they know you're also talking to other dea...
by Quercus Palustris
Mon Feb 04, 2019 2:01 pm
Forum: Personal Consumer Issues
Topic: The real dog food diet...
Replies: 59
Views: 3970

Re: The real dog food diet...

Re: the current concerns about super-premium dog food, it's my understanding that the issue is "grain free" as opposed to high protein as some dogs (Golden Retrievers IIRC) may be prone to heart issues related to taurine deficiency which may be linked to a grain-free diet. My dog is not expressly g...
by Quercus Palustris
Sun Feb 03, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: The real dog food diet...
Replies: 59
Views: 3970

Re: The real dog food diet...

A few months ago our vet told us that they were starting to collect data on dogs with heart issues that coincide with high protein diets - apparently there is starting to be a concern about a link between the two (and the rise in people equating "low carb/grain free" with better nutrition). Our dog ...
by Quercus Palustris
Sun Jan 13, 2019 7:02 pm
Forum: Personal Investments
Topic: Advice on Personal Choice Retirement Account
Replies: 14
Views: 901

Re: Advice on Personal Choice Retirement Account

Maybe also find out if using Schwab's auto investing feature allows you to avoid the transaction fee? It will only work with mutual funds you hold a position in, but you can make a very low cost 3-fund at Schwab with SWAGX, SWTSX, and SWISX (bond, total US market, international developed). You can s...
by Quercus Palustris
Mon Jan 07, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tech budget to fix issues
Replies: 26
Views: 1757

Re: Vanguard Tech budget to fix issues

I became a Vanguard customer in December 2018, and while I like their business setup philosophically (funds own the company), I can't recall another provider I've had to mail in more paper for (open account; transfer T-IRA; transfer Roth IRA). I've had to call them twice already because they wanted ...
by Quercus Palustris
Sun Jan 06, 2019 1:04 am
Forum: Personal Investments
Topic: Fidelity Small-cap value fund
Replies: 29
Views: 2885

Re: Fidelity Small-cap value fund

Does the $3000 VSIAX minimum still apply?
by Quercus Palustris
Fri Jan 04, 2019 3:34 pm
Forum: Personal Investments
Topic: Vanguard new account woes
Replies: 13
Views: 1383

Re: Vanguard new account woes

I opened a Vanguard account in December to roll over a Roth IRA. Had to print and mail in the paperwork, and I'm definitely not 18 - and do have excellent credit history. My best guess is that we moved in November, so maybe our new address didn't match what credit agencies had on file yet. Still not...
by Quercus Palustris
Tue Dec 25, 2018 12:21 pm
Forum: Personal Investments
Topic: Want to buy $5k Paper i-Bond: Do I have prepay tax before 2019?
Replies: 14
Views: 1554

Re: Want to buy $5k Paper i-Bond: Do I have prepay tax before 2019?

Is there any reason to use the 1040ES vs the 4868 Automatic Extension? The 4868 + payment can be filed up until 4/15/2019.
by Quercus Palustris
Thu Dec 20, 2018 11:31 am
Forum: Personal Investments
Topic: Fidelity and iShares
Replies: 12
Views: 1055

Re: Fidelity and iShares

Fidelity basically destroyed 2/3 reasons to use ETF's by lowering fee's below ishares, and making a 1 penny minimum to buy a premium class index fund. How is this not the biggest news of the year? Not sure how that part is the news, Schwab has had $1 minimums, no "premium" share classes, and low co...
by Quercus Palustris
Sat Dec 08, 2018 4:58 pm
Forum: Personal Investments
Topic: ETFs vs Mutual Funds in Retirement Accounts
Replies: 19
Views: 1555

Re: ETFs vs Mutual Funds in Retirement Accounts

The one advantage to ETFs for those just starting out is that the minimum investment is less. For example, at the moment, an investor would need to make a minimum $3,000 initial purchase of VTWSX (Vanguard Total World Stock Index Fund Investor Shares), while the ETF equivalent is priced at under $7...
by Quercus Palustris
Thu Dec 06, 2018 10:46 pm
Forum: Personal Investments
Topic: ETFs vs Mutual Funds in Retirement Accounts
Replies: 19
Views: 1555

Re: ETFs vs Mutual Funds in Retirement Accounts

I prefer MFs for several of the reasons listed, but I also don't regularly have internet access during the day due to work constraints. I don't know enough about placing ETF orders after hours without worrying I'll either get bamboozled or the order won't execute in the morning. But I guess I could ...
by Quercus Palustris
Wed Nov 28, 2018 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Financial goals for 2019 (specific)
Replies: 83
Views: 7941

Re: Financial goals for 2019 (specific)

Max 401k contribution Max backdoor Roth IRA Consolidate investments to 3 firms (401k, HSA, IRA) Only check balances monthly (it's a start!) Almost hit #1 for 2018 but miscalculated and also misjudged HR system lag time. Going to do first backdoor Roth next month, as soon as Trad IRA balance is 0. N...
by Quercus Palustris
Wed Nov 28, 2018 6:33 am
Forum: Personal Consumer Issues
Topic: Horace Mann vs Amica auto and homeowners insurance
Replies: 3
Views: 564

Re: Horace Mann vs Amica auto and homeowners insurance

Was the Amica quote for a dividend policy? Our homeowners policy returned 25% of the premium last policy year (in MD at least, and obviously it's not guaranteed).
by Quercus Palustris
Thu Nov 01, 2018 11:39 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 141
Views: 14407

Re: Core-4 Investing is LIVE! It really is this time!

Interesting site - thank you, Rick. I have access to an ACWI/VT-like fund in my 401k at 0.05% ER which makes the Total Economy portfolio interesting - I'm rolling in an IRA soon and am trying to plan what funds to use. Not sure what all the griping is about 4 flavors being too much or it being 24 po...
by Quercus Palustris
Sun Oct 28, 2018 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Online bank with high savings rate?
Replies: 5
Views: 570

Re: Online bank with high savings rate?

Hands down the best site for bank interest rates: https://www.depositaccounts.com They have sections for savings and for CD accounts, it looks like some savings accounts are already near or at 2%. You can also filter to banks in your area if he's not comfortable with online. For what it's worth, we ...
by Quercus Palustris
Sat Oct 20, 2018 4:18 pm
Forum: Personal Investments
Topic: Best Investments for an HSA account using TD Ameritrade
Replies: 6
Views: 1442

Re: Best Investments for an HSA account using TD Ameritrade

This thread discusses TDA & Lively HSA, and should have your answer (what mhalley said -- SPEM for emerging markets):

viewtopic.php?f=1&t=257037
by Quercus Palustris
Sun Sep 23, 2018 11:42 pm
Forum: Personal Investments
Topic: What investment company does your employer use?
Replies: 21
Views: 1565

Re: What investment company does your employer use?

My Megacorp uses T. Rowe Price, decent target date funds, an ACWI-like fund at 0.05% and maybe the best bit: optional Schwab sub account.
by Quercus Palustris
Wed Sep 05, 2018 1:23 am
Forum: Personal Investments
Topic: 401k Total Market + bond instead of 3-fund portfolio?
Replies: 2
Views: 424

401k Total Market + bond instead of 3-fund portfolio?

Hi Bogleheads, About two years ago, my company's 401k provider changed to T. Rowe Price w/ a Schwab self-directed brokerage. I'd read some Bernstein and lurked on Bogleheads before, so first thing I did was ignore the odd 401k funds, opened the SDBA, and used Schwab index funds to build a 3-fund por...