Search found 11511 matches

by letsgobobby
Wed Oct 17, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Chase Private Client -- Worth it to hold Vanguard Funds?
Replies: 31
Views: 12309

Re: Chase Private Client -- Worth it to hold Vanguard Funds?

I suspect those who travel internationally will find the no fee/no foreign currency adjustment ATM withdrawals of greater value than those that don't.

Just a hunch.
by letsgobobby
Mon Oct 15, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2282

Re: How do you buy a mattress ?

Hello everyone: Is there a proper way to buy a mattress? I'm about to replace the one in my 5th W travel trailer and I'm curious to hear your advice. Your input it's much appreciated!parigi. The cheapies which come standard with trailers aren't even comfortable for a child. We bought a Nova grande ...
by letsgobobby
Sun Oct 14, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard does not recognize my restricted computer
Replies: 10
Views: 1135

Re: Vanguard does not recognize my restricted computer

i really like the security it offers. even if a thief could duplicate my two factor authentication, it seems it would be hard to replicate my IP address as well. i’ve never had this problem before. i have deleted all cookies, etc, and that did not help. my OS has not recently updated but I don't kno...
by letsgobobby
Sun Oct 14, 2018 10:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard does not recognize my restricted computer
Replies: 10
Views: 1135

Re: Vanguard does not recognize my restricted computer

I limit my Vanguard access to my desktop computer. Tonight I cannot log in, I get a message that I have restricted access to a single device and Vanguard does not recognize my device. I’m hoping this is just some Saturday night glitch. :shock: I heard last week its a new 'device' recognition set-up...
by letsgobobby
Sun Oct 14, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Amica reocurring double digit increases in homeowners insurance
Replies: 39
Views: 4258

Re: Amica reocurring double digit increases in homeowners insurance

I am now echoing OP's concerns. My Amica auto and homeowner's each went up 25% this year alone. We have no new claims (no claims ever) and no adverse credit history, and nothing else about our personal situation has changed. It's impossible to compare across locations and situations but we pay $2222...
by letsgobobby
Sun Oct 14, 2018 12:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard does not recognize my restricted computer
Replies: 10
Views: 1135

Vanguard does not recognize my restricted computer

I limit my Vanguard access to my desktop computer.

Tonight I cannot log in, I get a message that I have restricted access to a single device and Vanguard does not recognize my device.

I’m hoping this is just some Saturday night glitch. :shock:
by letsgobobby
Sat Oct 13, 2018 11:23 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 38
Views: 2496

Re: Pacific Northwest trip

Has OP said if they want an urban trip or more nature? Good question. We'd obviously like to experience the city, but definitely want to do other things (whitewater rafting, boat trip, maybe fishing charter). Now I'm thinking that we might just spend the whole time in Oregon using Portland as a bas...
by letsgobobby
Sat Oct 13, 2018 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Buy new car with 25% tax credit vs. Keep old car
Replies: 9
Views: 894

Re: Buy new car with 25% tax credit vs. Keep old car

Since OP is being vague, I'll give a real world example. I replaced a paid off reliable 2006 Honda Civic with 144k miles with a new 2012 $30k Toyota Prius PHEV and received $4500 in total rebates and tax credits. The reason was simple: I could afford it. The intangibles of driving electric, solo HO...
by letsgobobby
Sat Oct 13, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Buy new car with 25% tax credit vs. Keep old car
Replies: 9
Views: 894

Re: Buy new car with 25% tax credit vs. Keep old car

I would not buy a $22,500 new EV for a 5000 mile annual drive unless you want to do it for environmental or social reasons. The old car has been reliable and could easily go 50k more miles, which is ten years. I drive 20k miles per year and my 12 year old car has 200k miles. I recently considered an...
by letsgobobby
Sat Oct 13, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Pacific Northwest trip
Replies: 38
Views: 2496

Re: Pacific Northwest trip

Has OP said if they want an urban trip or more nature?
by letsgobobby
Fri Oct 12, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1547892

Re: U.S. stocks in freefall

I can assure you the market will decline sharply from here today, and next week, as I used this morning to perform part of this half year’s value averaging, and bought VFVA. I have to complete the rest by the end of October.
by letsgobobby
Fri Oct 12, 2018 10:24 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1547892

Re: U.S. stocks in freefall

will, gotcha, you are using, what, the derivative of the unemployment rate?
by letsgobobby
Fri Oct 12, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1547892

Re: U.S. stocks in freefall

The stock market declines six months before the unemployment rate begins to rise. Isn't that a lagging indicator?
by letsgobobby
Fri Oct 12, 2018 2:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7377
Views: 1547892

Re: U.S. stocks in freefall

As it turns out, most of the time there have been 3%+ market losses they occurred when the market was doing a larger correction. So, it probably isn't over yet folks, even if there is a bounce - duck and cover! Unfortunately, 3%+ down days tend to occur during market sell-offs. I looked back at eve...
by letsgobobby
Wed Oct 10, 2018 7:05 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 95
Views: 8168

Re: When will you backup the truck on stocks

Today is what I call a real sell off day, but not something that would make me break open the cash reserves and plung in. I have some reserves that I have earmarked for purchasing 5% more equities in case of a serious sell off. This isn't a regular re-balancing to your IPS or sleeping point plan. T...
by letsgobobby
Tue Oct 09, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: David Stein Money For the Rest of Us, and the Shrinking stock market
Replies: 2
Views: 751

Re: David Stein Money For the Rest of Us, and the Shrinking stock market

It certainly seems ‘real’ that the market is shrinking (in terms of number of companies). Not sure if the availability of private financing represents a cause or effect of that reality. Does it mean we are stuck investing only in mid-large-mega caps going forward? I am not aware of any cost effectiv...
by letsgobobby
Tue Oct 09, 2018 1:55 pm
Forum: Personal Consumer Issues
Topic: Any great (or even decent) Anki or AnkiDroid users?
Replies: 5
Views: 623

Re: Any great (or even decent) Anki or AnkiDroid users?

I also use on my Droid phone and have tried to create decks only on my desktop, but don’t seem to have a clue how to do it. Can you edit shared decks? Like have notes present one of the other fields (written, or English, rather than audio)? Otherwise I want to create a new deck that has fields with ...
by letsgobobby
Mon Oct 08, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Death Valley Trip Recommendations?
Replies: 19
Views: 1214

Re: Death Valley Trip Recommendations?

Super unique place. It will be crowded, book now. Worth renting a Jeep and doing Titus canyon in my opinion. Camping can be cold at night in February. If it's a dry year by March you might sneak up Telescope Peak though there is often snow later in the year. It's a really big place so allow time get...
by letsgobobby
Sun Oct 07, 2018 11:12 pm
Forum: Investing - Theory, News & General
Topic: Doubling down on EM [Emerging Market]
Replies: 55
Views: 5730

Re: Doubling down on EM [Emerging Market]

I’ve always had an EM-heavy portfolio, but during the recent decline in EM stock markets I’ve been adding to my holdings considersably. Particularly now with VWO under $40, it’s hard to resist buying EM for the long haul. The long run of underperformance in EM has definitely been frustrating, but I...
by letsgobobby
Sun Oct 07, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: 40-60% drawdown in bonds
Replies: 42
Views: 3738

Re: 40-60% drawdown in bonds

You wrote:
The 'bonds are for safety' idea needs significant revision. I believe that its proponents generally mean
On the basis of what facts do you have this knowledge about what the ‘bonds for safety’ crowd believes?
by letsgobobby
Sun Oct 07, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: David Stein Money For the Rest of Us, and the Shrinking stock market
Replies: 2
Views: 751

David Stein Money For the Rest of Us, and the Shrinking stock market

The concept of a shrinking stock market was the subject of this thread in August, following at NY Times article: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=255695 At about the same time, Money for The Rest of Us, a decent financial podcast, addressed the same issue. Citing various sources...
by letsgobobby
Sun Oct 07, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: 40-60% drawdown in bonds
Replies: 42
Views: 3738

Re: 40-60% drawdown in bonds

willthrill81 wrote:
Sun Oct 07, 2018 10:05 am
I believe that its proponents generally mean 'bonds are less volatile than stocks in the short-term', which is much more accurate, but this isn't as catchy.
I certainly don’t mean that. On the basis of what data do you claim this?
by letsgobobby
Sun Oct 07, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Any great (or even decent) Anki or AnkiDroid users?
Replies: 5
Views: 623

Any great (or even decent) Anki or AnkiDroid users?

I would like to learn how to use this program to its fullest extent but despite having used the Android app for years, I have never learned how to make my own decks. I can only download shared decks which is better than nothing but has severe limitations. I have read through the online manual and ge...
by letsgobobby
Sat Oct 06, 2018 9:24 pm
Forum: Personal Finance (Not Investing)
Topic: 20 countries where 200K in retirement savings will last you decades
Replies: 75
Views: 8935

Re: 20 countries where 200K in retirement savings will last you decades

Anyway, I find it hard to get overly worked up about articles like that. They are entertainment meant to be consumed as fantasy by the broad middle-class in their normal jobs and written by a struggling "journalist" who probably has to wait tables to make ends meet and is hoping that writing "conte...
by letsgobobby
Fri Oct 05, 2018 5:27 pm
Forum: Investing - Theory, News & General
Topic: 529 transfer, can I segregate my principal and earnings?
Replies: 8
Views: 564

Re: 529 transfer, can I segregate my principal and earnings?

You can not request the principal and earnings of a single investment. All distributions are allocated a proportional amount of all principal and earnings combined in the account. There is no ability to isolate investments, principal or earnings in a single 529 account. If you wanted to do that. Yo...
by letsgobobby
Fri Oct 05, 2018 4:28 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...1.5 years later
Replies: 199
Views: 29274

Re: Learning Violin as an adult...1.5 years later

Latest update at the back of the thread. ----- Any folks on here decide they'd like to learn to play an instrument for the first time as an adult and total beginner? As in, you cannot even read music? If so, what did you try and how did it go? My daughter has been playing the flute for two years an...
by letsgobobby
Fri Oct 05, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: 529 transfer, can I segregate my principal and earnings?
Replies: 8
Views: 564

Re: 529 transfer, can I segregate my principal and earnings?

livesoft wrote:
Fri Oct 05, 2018 3:48 pm
The answer lies in Publication 970 where everything about 529 plans appears as following a pro-rating requirement.
in the above example, 14/29 of the investment is earnings.

if i request a withdrawal of the entirety of investment A, is 1/6 earnings or 14/29?
by letsgobobby
Fri Oct 05, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: 529 transfer, can I segregate my principal and earnings?
Replies: 8
Views: 564

Re: 529 transfer, can I segregate my principal and earnings?

It might be faster and simpler to do an indirect rollover. If I withdraw the money from the 529, is it correct that I have 60 days to deposit it in the other 529 to avoid taxes/penalties? I assume it does not have to be the same money? Ie, I can withdraw $100 from the 529, and while waiting for it t...
by letsgobobby
Fri Oct 05, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluate net worth - FIRE really that close?
Replies: 56
Views: 7627

Re: Evaluate net worth - FIRE really that close?

how do you plan to get from $1050k to $3000 in five years?

but yes, if you can live on $90k long term, $3m at age 40 in available assets (not equity or college savings) will work well.

you’re doing great.
by letsgobobby
Fri Oct 05, 2018 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 55
Views: 4034

Re: Tax Loss Harvest (TLH) VWIUX

Bit confused by this thread but it sounds like TLH into the long term tax exempt bond fund is fine. Alternative would be one of the state specific bond funds but that is a less diversified holding.
by letsgobobby
Thu Oct 04, 2018 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Build a completely taxable portfolio
Replies: 3
Views: 514

Re: Build a completely taxable portfolio

The trust is already funded, and is irrevocable. I didn't fund it (my deceased parents did). All income has to be distributed so taxed at my rates, so I want to distribute as little income as possible to keep the trust growing as much as possible. The distributions are kept in an individual account ...
by letsgobobby
Thu Oct 04, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Build a completely taxable portfolio
Replies: 3
Views: 514

Build a completely taxable portfolio

Goal is 80-90% stocks with a 50/50 us/international split. And tilts to small and value. This is a trust for my young children so timeline is very long. Ideally would have minimal distributions which perhaps is in conflict with the value tilt; maybe the small tilt can make up for it. I could do a 3 ...
by letsgobobby
Wed Oct 03, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Invest 10 Million Portfolio at 40 without income
Replies: 56
Views: 8595

Re: Best way to Invest 10 Million Portfolio at 40 without income

Thank you for your kindly response. The concern I have remaining in medicine going forward is malpractice liability. The NPV of my career would be significantly less than the assets on my example using a discount rate of 7% (particularly post tax considering high tax rates of higher incomes). Consi...
by letsgobobby
Wed Oct 03, 2018 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Capital Preservation Investment Options
Replies: 6
Views: 511

Re: 529 Capital Preservation Investment Options

Colorado has a decent stable value fund.
by letsgobobby
Wed Oct 03, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to Invest 10 Million Portfolio at 40 without income
Replies: 56
Views: 8595

Re: Best way to Invest 10 Million Portfolio at 40 without income

Welcome to the forums, Even without the inheritance you will soon have around $3 million and need less than 2% per year. That is infinitely sustainable. Any reasonable portfolio will work. If you want to take a lot of risk or very little, tilt small or not, hold international or not - it is fine. Do...
by letsgobobby
Wed Oct 03, 2018 1:30 am
Forum: Investing - Help with Personal Investments
Topic: Help selecting ETF or MF - lowest distributions possible
Replies: 5
Views: 563

Re: Help selecting ETF or MF - lowest distributions possible

Any stock ETF should avoid capital gains, so you'll have to go by dividends. Value funds should have higher dividends than blend or growth funds, and large-cap funds should have slightly higher distributions than small-cap funds. Thus I would not recommend VFVA for a low-distribution preference. (I...
by letsgobobby
Wed Oct 03, 2018 1:12 am
Forum: Investing - Theory, News & General
Topic: 529 transfer, can I segregate my principal and earnings?
Replies: 8
Views: 564

529 transfer, can I segregate my principal and earnings?

Trying to transfer 529 funds from one plan to another. The accepting (incoming) 529 plan asks me to identify how many incoming dollars will be principal, and how many earnings. I am not transferring 100% of the assets. The sending (outgoing) 529 plan money is invested in 4 different funds. How do I ...
by letsgobobby
Tue Oct 02, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Water Leak During New Home Construction
Replies: 40
Views: 2412

Re: Water Leak During New Home Construction

You don't need to disclose repairs that are successfully made. I do not think this is correct, in WI, it says "I am aware of the presence of unsafe levels of mold, or roof, basement, window or plumbing leaks, or overflow from sinks, bathtubs or sewers, or other water or moisture intrusions or condi...
by letsgobobby
Mon Oct 01, 2018 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 620
Views: 75942

Re: How much money do you want to retire?

Yes you're right. But Medicare doesn't cover everything so even after 65 there are expenses. I was thinking of someone (i.e. myself) retiring at 45 or 50 while kids are still on the dole - 20 years at $40k plus the additional ex-Medicare expenses after 65.
by letsgobobby
Mon Oct 01, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 620
Views: 75942

Re: How much money do you want to retire?

Our spending is at the very highest point, I think. Kids at the Pinnacle of expensive activities, paying off a rental, primary home, a vehicle. In ten years kids will be in college (saved for separately) and rental, vehicles will be things of the past. At that time I think we're going to realize we ...
by letsgobobby
Mon Oct 01, 2018 1:43 am
Forum: Personal Consumer Issues
Topic: Anyone ordered a vehicle through a dealership?
Replies: 40
Views: 3098

Re: Anyone ordered a vehicle through a dealership?

I ordered a full ton RAM last year because the combination of features I wanted was very rare, basically did not exist. I found an enormous price difference with one high volume dealer. I ordered from them, flew and picked up the vehicle to months later. Very easy.
by letsgobobby
Sun Sep 30, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: CAPE-Based Robert Shiller Bought Italy and Spain Indexes in 2015
Replies: 62
Views: 2530

Re: CAPE-Based Robert Shiller Bought Italy and Spain Indexes in 2015

i guess if people interpret valuations so literally, it may explain why there is always someone who will justify higher valuations. the fact that very high CAPEs increase the likelihood of poor returns can be fully discounted because such poor returns did not occur on exactly the 3652nd day after su...
by letsgobobby
Sun Sep 30, 2018 2:46 pm
Forum: Investing - Theory, News & General
Topic: CAPE-Based Robert Shiller Bought Italy and Spain Indexes in 2015
Replies: 62
Views: 2530

Re: CAPE-Based Robert Shiller Bought Italy and Spain Indexes in 2015

1996 + 10 = 2006. Are you sure Homer was not correct? If your point is that markets can drop 50% at any random time in the future, I agree with you, Homer J says so all the time as well. But, that does not make the 1996 call any more correct. 1996 was very correct. I can't believe you can't agree t...
by letsgobobby
Sun Sep 30, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 237
Views: 23848

Re: What is your overall portfolio weighted expense ratio

Hello fellow Bogleheads, For those who know, what is the weighted overall expense ratio of your portfolio ? I am really interested in those who still have a 401(k) as part of their portfolio...mine is 0.75% (75 bps) Just a reality check on my part, for those who responded with ERs of something less...
by letsgobobby
Sun Sep 30, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange from Vanguard ETF to Admiral share?
Replies: 16
Views: 605

Re: Exchange from Vanguard ETF to Admiral share?

Generally the costs are the same or very close. Once you're in the ETF I don't see a reason to switch to Admiral shares. I have a portfolio with a mix of both.
by letsgobobby
Sun Sep 30, 2018 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange from Vanguard ETF to Admiral share?
Replies: 16
Views: 605

Re: Exchange from Vanguard ETF to Admiral share?

If you want to, doesn't seem a big reason to do so. Might lose a tad on bid ask.
by letsgobobby
Sun Sep 30, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: CAPE-Based Robert Shiller Bought Italy and Spain Indexes in 2015
Replies: 62
Views: 2530

Re: CAPE-Based Robert Shiller Bought Italy and Spain Indexes in 2015

He was 4 years early with the dot-com prediction. He predicted ten-year 0% real return in 1996, 4 years before the actual crash. The market more than doubled, then dropped 40%. It never got as low as it was in 1996. The average price of the S&P500 in 1996 seems like it was ~675. The price on March ...
by letsgobobby
Sun Sep 30, 2018 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange from Vanguard ETF to Admiral share?
Replies: 16
Views: 605

Re: Exchange from Vanguard ETF to Admiral share?

Okie77 wrote:
Sun Sep 30, 2018 1:48 pm
PFInterest wrote:
Sun Sep 30, 2018 1:46 pm
Restrictions no. If in a taxable fund you'll pay tax on any gains.
Thanks!
There is no exchange. You have to sell the ETF, then buy the fund. That is why there is a taxable transaction. Going from a fund to an ETF is a permitted exchange by Vanguard so not taxable.
by letsgobobby
Sun Sep 30, 2018 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help selecting ETF or MF - lowest distributions possible
Replies: 5
Views: 563

Re: Help selecting ETF or MF - lowest distributions possible

PFInterest wrote:
Sun Sep 30, 2018 11:04 am
if you want zero, brk.b. i would never do that though....
Very interesting idea, has a great history but not sure I can stomach risk of one company, no matter its history or possible future.
by letsgobobby
Sun Sep 30, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Help selecting ETF or MF - lowest distributions possible
Replies: 5
Views: 563

Help selecting ETF or MF - lowest distributions possible

I need to find some MFs or ETFs that have the lowest distributions possible. If they never distributed any capital gains or dividends that would be ideal. Think of this as being for tax purposes, though it isn’t. I want to have the lowest possible declared income for these investments. But I stll wa...