Search found 133 matches

by FOGU
Mon Sep 24, 2018 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: What Kind of Insurance Do i need as a landlord?
Replies: 3
Views: 359

Re: What Kind of Insurance Do i need as a landlord?

You might consult an experienced insurance broker. You may be able to bundle with your existing personal lines.

https://www.thebalance.com/best-landlor ... es-4159603
by FOGU
Wed Sep 19, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: What is a reasonable fee charged by financial planners?
Replies: 30
Views: 2249

Re: What is a reasonable fee charged by financial planners?

You stumbled in here. Do the work and do it yourself. You know you better than anyone. There is nothing that can't be researched or asked or delved into and there is never a fee. There are previous threads on virtually all topics. You do not need a financial planner. You need to study. And study so...
by FOGU
Thu Sep 13, 2018 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3968

Re: Vanguard is requiring cell phone security codes - problem for international travel

HueyLD wrote:
Thu Sep 13, 2018 5:05 pm
It is indeed a problem.

I guess you can move your accounts to another brokerage.
I view that as a drastic last resort. I like the VPN with Google Voice work around. I'm hoping that will work.
by FOGU
Thu Sep 13, 2018 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3968

Re: Vanguard is requiring cell phone security codes - problem for international travel

I am completely bewildered by this entire thread. I log into Vanguard every evening to check the status of my portfolio, and I haven't had to use a cell phone security code in so long I can't remember. I spent 18 days in Europe in May and was able to log in from my iPad with no requirement to verif...
by FOGU
Thu Sep 13, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3968

Re: Vanguard is requiring cell phone security codes - problem for international travel

Thank you all! I had to google google voice, but it was easy to set up. Still mad at Vanguard, tho... I considered a Skype phone number too, but that costs like $7 a month. Not worth it just for this. Just so I have it clear, I would get a free Google Voice number, link my international number to i...
by FOGU
Thu Sep 13, 2018 10:25 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3968

Re: Vanguard is requiring cell phone security codes - problem for international travel

CyberBob wrote:
Thu Sep 13, 2018 8:53 am
Dottie57 wrote:
Wed Sep 12, 2018 8:48 pm
Unbelievable as it may be to some, not everyone has a cell phone.
You don’t need a cell phone, as there is also a voice-recording option to your home landline.
And if I am vacationing at the beach and not near my home landline?
by FOGU
Wed Sep 12, 2018 9:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3968

Re: Vanguard is requiring cell phone security codes - problem for international travel

There is an option to save the computer as a recognized device. Once complete you won't need to use the SMS code to log in using that device. Where did you find that ? Do you have to sign before you can choose that option. Also, how is the computer recognized ? I wouldn't like for it to be re-authe...
by FOGU
Wed Sep 12, 2018 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3968

Re: Vanguard is requiring cell phone security codes - problem for international travel

Xyz214 wrote:
Wed Sep 12, 2018 9:25 pm
Register a Google voice number! This is what I do.
How do you receive the SMS messages from Vanguard with Google Voice?
by FOGU
Wed Sep 12, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3968

Re: Vanguard is requiring cell phone security codes - problem for international travel

Thank you all! I had to google google voice, but it was easy to set up. Still mad at Vanguard, tho... I considered a Skype phone number too, but that costs like $7 a month. Not worth it just for this. Just so I have it clear, I would get a free Google Voice number, link my international number to i...
by FOGU
Wed Sep 12, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)
Replies: 65
Views: 3968

Vanguard is requiring cell phone security codes - problem for international travel (UPDATE)

Vanguard is requiring me to sign up for security codes to access my account. Right now it is only password protect. I understand the new system will work by sending a code via cell phone text message whenever I try to log on to my account. I will then have 10 minutes to enter the code to access my a...
by FOGU
Wed Sep 12, 2018 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10318

Re: Massive Student Loan Debt - Fiancee

I love this woman, but she doesn't seem to comprehend the gravity of the situation. I love her, but I agonize about our future. How much of a red flag should this be? If the PSLF program were to fail, it seems paying back the debt would be insurmountable. How much is this me being shallow vs. a val...
by FOGU
Wed Sep 12, 2018 9:10 am
Forum: Personal Finance (Not Investing)
Topic: Mr.No - another should I pay off my mortgage, post
Replies: 31
Views: 2690

Re: Mr.No - another should I pay off my mortgage, post

The $900k of equity in your house seems like idle capital to me. Don't decimate your compounding assets only to exacerbate that situation. Having a paid off house is not nearly as psychologically or emotionally gratifying as it is made out to be. The taxes, insurance, assessments, maintenance, repai...
by FOGU
Tue Sep 11, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Two and a Half Years to Start Over
Replies: 11
Views: 2031

Re: Two and a Half Years to Start Over

I couldn't think of a good title for this thread but for some reason a "starting over" theme seemed right. I am in the fortuitous position to have about 22 times annual spending in 401k, cash, and taxable. I'm 44 and have a bit of an unusual situation in that I have golden handcuffs on at my presen...
by FOGU
Tue Sep 04, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard not give percentage for YTD returns?
Replies: 21
Views: 2287

Re: Why does Vanguard not give percentage for YTD returns?

I screwed up my previous post. Sorry, trying to send from a phone. :oops: How about this: Menu, then My Accounts, then Balances and Holdings, then Balances compared to year-end. :D I have looked into comparing balances too. But that doesn't calculate YTD performance because of contributions/withdra...
by FOGU
Tue Sep 04, 2018 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard not give percentage for YTD returns?
Replies: 21
Views: 2287

Re: Why does Vanguard not give percentage for YTD returns?

I have always assumed that they don't provide a YTD as it would be misleading against full year and multi-year CAGR rates provided for the other time ranges. I know from my own attempts at creating reporting tools that the YTD percentage can be very easily misunderstood and mis-compared. Clearly Va...
by FOGU
Tue Sep 04, 2018 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard not give percentage for YTD returns?
Replies: 21
Views: 2287

Re: Why does Vanguard not give percentage for YTD returns?

I have always assumed that they don't provide a YTD as it would be misleading against full year and multi-year CAGR rates provided for the other time ranges. I know from my own attempts at creating reporting tools that the YTD percentage can be very easily misunderstood and mis-compared. Clearly Va...
by FOGU
Tue Sep 04, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard not give percentage for YTD returns?
Replies: 21
Views: 2287

Re: Why does Vanguard not give percentage for YTD returns?

livesoft wrote:
Tue Sep 04, 2018 4:12 pm
krow36 wrote:
Tue Sep 04, 2018 3:57 pm
It does. In the Menu, go to My Accounts, then Performance and Returns.
Try it. The actual return on the far right disappears when one selects YTD in the option menu.
My Accounts > Personal Performance, then change the date range (View) to YTD. No joy.
This is what I get too.
by FOGU
Tue Sep 04, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard not give percentage for YTD returns?
Replies: 21
Views: 2287

Re: Why does Vanguard not give percentage for YTD returns?

If I must figure it myself, can someone help with a reliable method? It does. In the Menu, go to My Accounts, then Performance and Returns. Try it. The actual return on the far right disappears when one selects YTD in the option menu. My Accounts > Personal Performance, then change the date range (...
by FOGU
Tue Sep 04, 2018 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Why does Vanguard not give percentage for YTD returns?
Replies: 21
Views: 2287

Why does Vanguard not give percentage for YTD returns?

Vanguard gives percentage rate of return for 1 year, 3 year, etc., but not for YTD return.

Is there a way to get YTD return on the Vanguard website? Or do I need to figure it out myself?

If I must figure it myself, can someone help with a reliable method?

Thanks.
by FOGU
Sat Sep 01, 2018 11:44 am
Forum: Investing - Help with Personal Investments
Topic: 2-stage early retirement plan
Replies: 12
Views: 1997

Re: 2-stage early retirement plan

I went to part-time, 32 hours/week, for the last couple years before retirement. It helped. As far as your holdings in the event of a bear, don't worry about it. What you'd do is sell things at a loss in taxable (that's a good thing as you can take the loss at 3k/year off ordinary income) then conv...
by FOGU
Fri Aug 24, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: The first million is the hardest?
Replies: 46
Views: 9154

Re: The first million is the hardest?

I just recently passed my first 100K in liquid assets. Does it start getting faster at some point due to compounding returns? When will I start to really notice this thing rolling? I noticed a faster growth rate in the first year after I fired the Merrill Lynch and Northwestern Mutual pricks who we...
by FOGU
Tue Aug 07, 2018 5:26 am
Forum: Investing - Theory, News & General
Topic: "Age in Bonds" fails almost everyone
Replies: 217
Views: 13880

Re: "Age in Bonds" fails almost everyone

How old are you? A 90 year old would have experienced the severe financial and emotional repercussions of the Great Depression. You need to do some more reading, old wives tales? Smh! I'm old enough to recognize the human tendency to always fight the last war. I’m 40, I have ten million in assets, ...
by FOGU
Sun Aug 05, 2018 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for teen
Replies: 19
Views: 1538

Re: Roth IRA for teen

I like the Vanguard Star fund for these accounts. ($1,000 MIN to open and can add as little as $1 at a time.) I like "matching" suggestion too! Except I don't like the expense ratio of .32% of the STAR fund. Also, STAR is 60/40. The investment time horizon of a child justifies putting it all in a 1...
by FOGU
Wed Jul 25, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for teen
Replies: 19
Views: 1538

Re: Roth IRA for teen

I like the Vanguard Star fund for these accounts. ($1,000 MIN to open and can add as little as $1 at a time.) I like "matching" suggestion too! Except I don't like the expense ratio of .32% of the STAR fund. Also, STAR is 60/40. The investment time horizon of a child justifies putting it all in a 1...
by FOGU
Tue Jul 24, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA for teen
Replies: 19
Views: 1538

Re: Roth IRA for teen

Some Bogleheads do contribute the full amount of their children's wages up to the limit without the children contributing a dime. I think it misses a learning opportunity. I think it is better to have something like the child contributes a minimum of 15% of their wages with 100% matching from mom &...
by FOGU
Wed Jul 18, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: How do you handle the urge to DO something?
Replies: 102
Views: 7655

Re: How do you handle the urge to DO something?

So you subscribe to the school of thought, "Don't just sit there. Do something."

Try the following: "Don't just do something. Sit there."

Get over it.
by FOGU
Wed Jul 18, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: When to invest 100000?
Replies: 36
Views: 2813

Re: When to invest 100000?

By all means short VTI.

At 100% certainty you are sure to make money on the crash.

Then buy in when you are 100% sure the market has reached bottom and you will make boatloads of money on the way up.

At 100% certainty this is a flawless plan.
by FOGU
Mon Jul 16, 2018 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: U.S. expat starting to invest
Replies: 7
Views: 753

Re: U.S. expat starting to invest

I guess I'm confused by your statement that I have no "private savings". I said in my original post that I've saved $100k.
I guess I was confused by the following information:
Current Retirement Assets: 0
by FOGU
Sun Jul 15, 2018 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: U.S. expat starting to invest
Replies: 7
Views: 753

Re: U.S. expat starting to invest

Does this plan make sense? What are your thoughts on my being able to retire in 20-25 years? What is the plan, exactly? You are 40 years old with no private savings and no pension to fall back on. Who are you counting on to pay your expenses in your retirement and old age? Are you a US citizen? If ...
by FOGU
Thu Jun 28, 2018 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: U.S. brokerages and retiring abroad
Replies: 47
Views: 5885

Re: U.S. brokerages and retiring abroad

I disagree with the recommendation to lie to your brokerage by giving a false address when required to provide your address of residence. This likely breaks the terms of your contract with the brokerage who you will be relying on if anything goes wrong with your account. Better hope nothing goes wr...
by FOGU
Thu Jun 28, 2018 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: U.S. brokerages and retiring abroad
Replies: 47
Views: 5885

Re: U.S. brokerages and retiring abroad

Here's my approach and the approach I suggest. I have lived abroad for over 10 years now and never had even the first question from Vanguard. I get the pay from my work deposited there and I have been checking in on my accounts regularly via internet. First, just keep your mouth shut about where you...
by FOGU
Sun Jun 24, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: What does it mean: Rule No. 1: Never lose money
Replies: 75
Views: 7327

Re: What does it mean: Rule No. 1: Never lose money

I'm not so willing to entirely discount anything WB attaches importance to, and he repeats this 'rule' with gusto in the recent biographic documentary. In simpler terms, I think he meant to be "risk averse", (rather than "loss averse"). The latter term is the more common understanding of the words ...
by FOGU
Sun Jun 24, 2018 10:50 am
Forum: Investing - Help with Personal Investments
Topic: How to help my teen (14) grow their savings faster?
Replies: 18
Views: 1839

Re: How to help my teen (14) grow their savings faster?

Match all or a % of what she saves. My parents did this for me as a kid and seeing not just your money, but theirs as a result of your hard work was easy and simple motivation. This way it’s not the bank of dad, but the earned interest of dad. A financial foundation is great, but don’t forget to le...
by FOGU
Sun Jun 24, 2018 6:46 am
Forum: Investing - Help with Personal Investments
Topic: "Never time the market" vs. lump sum investment
Replies: 68
Views: 5634

Re: "Never time the market" vs. lump sum investment

The asset allocation I am interested in is 100% equity.... You say you have no experience so you cannot possibly know what it will feel like for your (let's call it) $1 million to shrink to about $500k over 6 months or so and stay in that neighborhood for a year or so. It is devastating. Many call ...
by FOGU
Sat Jun 23, 2018 11:49 pm
Forum: Investing - Help with Personal Investments
Topic: What am I overlooking?
Replies: 16
Views: 1483

Re: What am I overlooking?

shouldIbeworried wrote:
Sat Jun 23, 2018 11:05 pm
Thanks to everyone for the feedback. I have much to think about and realize I probably should be a little more worried!

Appreciate all the good advice. Thank you.
Hope you will dispense with the worry and spend that energy and effort on analysis and planning.
by FOGU
Thu Jun 21, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: How does an investor best adjust asset allocation from 85/15 to 70/30?
Replies: 23
Views: 2250

Re: How does an investor best adjust asset allocation from 85/15 to 70/30?

Thanks for all the responses. Indeed the idea of locking in some gains, i.e. the sell stocks high / buy bonds low idea mentioned above, did occur to me as an added bonus. I only posted the question because it is a gargantuan transaction that causes trepidation. i TLH that much 2 months ago. its not...
by FOGU
Thu Jun 21, 2018 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: How does an investor best adjust asset allocation from 85/15 to 70/30?
Replies: 23
Views: 2250

Re: How does an investor best adjust asset allocation from 85/15 to 70/30?

Thanks for all the responses. Indeed the idea of locking in some gains, i.e. the sell stocks high / buy bonds low idea mentioned above, did occur to me as an added bonus. I only posted the question because it is a gargantuan transaction that causes trepidation. i TLH that much 2 months ago. its not...
by FOGU
Thu Jun 21, 2018 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Struggling - Seeking Advice to Get On Track
Replies: 93
Views: 6129

Re: Struggling - Seeking Advice to Get On Track

...as you can tell I am pretty dense when it comes to this stuff - to say the least. You need to get over this mindset now. Like yesterday. You are surely accomplished in some field of endeavor, are you not? Do you think this Edward Jones guy has some magic ability that you don't? He doesn't. Yet y...
by FOGU
Wed Jun 20, 2018 10:10 pm
Forum: Personal Finance (Not Investing)
Topic: How much (green) cash at home for emergency ?
Replies: 169
Views: 15625

Re: How much (green) cash at home for emergency ?

At least $5k in greebacks in easy access at all times. At least.
by FOGU
Wed Jun 20, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 60
Views: 10041

Re: Merrill Edge best choice for higher net worth accounts?

I love Vanguard, but for accounts over 1,000,000 you don't really get any benefits from it. Their website has been a little clunky for me and I've heard their customer service isn't the best.
"I've heard...." I think you've heard wrong.
by FOGU
Tue Jun 19, 2018 1:02 am
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 13012

Re: Retire at 50: Should I?

Cool. Don't see a worry in the world about money.
by FOGU
Mon Jun 18, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 112
Views: 13101

Re: Very confused with the current market

alex_686 wrote:
Sun Jun 17, 2018 10:13 pm
FOGU wrote:
Sun Jun 17, 2018 4:50 pm
Just downloaded the free Kindle version. I was looking for a new book. A new free book. Thank you for the citation.
Can you report back here on what you think? I think it is a great book and I have recommended it before, but it is a bit dense and technical.
You bet.
by FOGU
Sun Jun 17, 2018 4:50 pm
Forum: Investing - Theory, News & General
Topic: Very confused with the current market
Replies: 112
Views: 13101

Re: Very confused with the current market

show me the 80 years bull? 1990-2000-2008 all most every ten years Humans are fantastic pattern finding creatures. Our brain must find patterns, even when they are not there. I will point out that 1990 was a down year but not a bear year. Most consider the longest US bull market to be form 1982 to ...
by FOGU
Sun Jun 17, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: "Money Talk" Radio Program with Bob Brinker
Replies: 33
Views: 4403

"Money Talk" Radio Program with Bob Brinker

I am sitting here listening to Bob Brinker on "Money Talk." His monologues are generally kind of interesting. But it sounds to me like he is committing malpractice. He takes one or two facts from a caller and tells them what to do on highly significant personal financial decisions. He may be right i...
by FOGU
Sun Jun 17, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Personal finance HELP
Replies: 19
Views: 1480

Re: Personal finance HELP

High income is not the same as high net worth. In terms of your future, the amount you save is much more important than the amount you earn. In other words, a high income does not make a person "rich." You "live on" $150k per year. That is a tremendous amount of money to spend on living expenses. St...
by FOGU
Sun Jun 17, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Wanting to learn: seeking approval or criticism on my portfolio
Replies: 12
Views: 1303

Re: Wanting to learn: seeking approval or criticism on my portfolio

You are 36, a lot can happen in the 30 years or so until she could collect the pension. The employer may drop the pension plan entirely or may severely reduce the pension during the next 30 years, and she may not stay with her employer the rest of her working life. When closer to retirement it can ...
by FOGU
Sun Jun 17, 2018 8:24 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 3191

Re: When is the June ex-dividend date for VTSAX

Not intending to hijack the thread but in a related question, are there some Vanguard funds (possibly money market mutual funds and/or bond funds??) which don't go by an ex-dividend date but rather pay a (for example) monthly dividend pro-rated based on the number of days you actually owned the fun...
by FOGU
Sun Jun 17, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: What next?
Replies: 8
Views: 1376

Re: What next?

I wouldn't worry about doubling up. Just figure out how much of that you want as a percentage of all assets and maintain that percentage over one or both accounts. I find it useful to have some of both bond and stock funds in a retirement account so as to reallocate overall asset allocation when nec...