Search found 298 matches

by jainn
Tue Apr 30, 2019 10:28 am
Forum: Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 339
Views: 52075

Re: Vanguard Municipal Money Market VMSXX 1.39%

I see the muni market fund VMSXX SEC yield is 2.01% today and the intermediate VWIUX is 2.11%. All our bonds in our taxable account are in the intermediate. If the majority of total return from the bonds is interest payments, the VWIUX distribution payments are 2.82%, I guess I shouldn’t compare onl...
by jainn
Tue Apr 23, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 4416

Re: At what age did you buy your first first class airplane ticket?

We fly about 7x/year (4 domestic / 3 international). We don't like economy or business class. We can't afford full or partial private jet ownership and fly on private jets (i.e. NetJets), so we pay cash (no miles/points), and buy first class on every flight that offers it. It's cheaper than flying o...
by jainn
Mon Apr 22, 2019 4:12 pm
Forum: Personal Investments
Topic: Need to sleep at night...Must rebalance!
Replies: 23
Views: 3482

Re: Need to sleep at night...Must rebalance!

Here is what I would do based on the information provided... 1. Transfer $700,000 from credit union to Vanguard Brokerage. Deposit into existing Vanguard Muni MM (VMSXX) 2. Move 1.33m VMSXX to VWSUX (Short Term Muni Fund Avoids AMT) has 1.0 year duration 3. Move 1.33m VMSXX to VCLAX (Cali Muni Fund ...
by jainn
Mon Apr 22, 2019 12:14 pm
Forum: Investing - Theory, News & General
Topic: Why diversification is not a viable strategy?
Replies: 252
Views: 13409

Re: Why diversification is not a viable strategy?

All the talk of gold reminds me of this episode from The Twilight Zone... https://en.wikipedia.org/wiki/The_Rip_Van_Winkle_Caper "T he Rip Van Winkle Caper " is episode 60 of the American television anthology series The Twilight Zone. It originally aired on April 21, 1961 on CBS. PLOT: To escape the...
by jainn
Thu Apr 18, 2019 8:40 am
Forum: Investing - Theory, News & General
Topic: Does 100% stocks make sense for very high net worth individuals
Replies: 126
Views: 13055

Re: Does 100% stocks make sense for very high net worth individuals

Two articles/opinion posts in response to the David Levine article.

“Why a 100% stock portfolio can ruin your retirement”

https://www.marketwatch.com/story/why-a ... 2016-03-22

https://thereformedbroker.com/2016/02/1 ... ng-stocks/
by jainn
Tue Apr 02, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: 11-year old with iPhone - advice on how best to manage?
Replies: 68
Views: 4413

Re: 11-year old with iPhone - advice on how best to manage?

Also institute a phone check policy, at any time you can say phone check and they hand you the phone and give you the unlock code. We also require them to tell us their unlock codes in advance and our finger prints / faces are added to the biometric unlock so we can unlock them at will. No computin...
by jainn
Tue Apr 02, 2019 8:08 am
Forum: Personal Finance (Not Investing)
Topic: 11-year old with iPhone - advice on how best to manage?
Replies: 68
Views: 4413

Re: 11-year old with iPhone - advice on how best to manage?

IOS has exceptionall parentel controls called restrictions. You can configure it so they have a time limit, can't install apps without permissions, you can also configure it so they can't use built in apps such as safari, or even remove the app store all together. I also suggest disabling in app pu...
by jainn
Tue Mar 26, 2019 1:42 pm
Forum: Personal Investments
Topic: Tax Exempt Bonds as a Diversifier?
Replies: 41
Views: 2119

Re: Tax Exempt Bonds as a Diversifier?

Another article on the diversification benefits of bonds including tax-exempt bonds. Why fixed income? 4 roles your bond portfolio should play https://www.thecapitalideas.com/articles/why-fixed-income?cid=sm_pd_tw_fi-4_asr_fi_538251459 Municipal bonds:great expectations for 2019 https://www.blackroc...
by jainn
Sun Mar 24, 2019 9:01 am
Forum: Personal Finance (Not Investing)
Topic: What rate of return are you using for retirement projections?
Replies: 106
Views: 11509

Re: What rate of return are you using for retirement projections?

47% Total US Stock fund = 6.75% (4.75% + 2% dividend) 23% Total International Stock fund = 8.00% (4.7% + 3.3% dividend) 27% Tax-Exempt Intermediate Muni fund = 3% interest 3% Short-Term Treasury Index fund = 2.5% interest Inflation = 2.25% Estimating over 30+ years our 70/30 Portfolio will return 5....
by jainn
Sat Mar 23, 2019 5:51 pm
Forum: Personal Investments
Topic: Tax Exempt Bonds as a Diversifier?
Replies: 41
Views: 2119

Re: Tax Exempt Bonds as a Diversifier?

Some literature on municipal bond funds correlation to equities. https://www.franklintempleton.com/forms-literature/download/MUNI-FL https://www.vaneck.com/portfolio-diversification-with-municipal-bonds/ https://www.nuveen.com/the-case-for-investing-in-united-states-municipal-bonds https://www.gurti...
by jainn
Thu Mar 21, 2019 8:43 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 417053

Re: What are you up YTD? [Year To Date]

minus 2% YTD Mostly 70/30, (50US/20INTL/30BONDS) A few tactical changes this year, temporarily selling bond allocation for stocks, but always going back to 70/30. Just recently went from 75/25 to 100/0, Thursday 12/6... Plan is to go back to 70/30 when sp500 is 2900 again... I prefer a balanced all...
by jainn
Sun Mar 10, 2019 1:05 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use a 40% allocation to International in their Balanced Funds?
Replies: 60
Views: 6590

Re: Why does Vanguard use a 40% allocation to International in their Balanced Funds?

All this suggests relative valuations do not currently favor one country or region's stock market over another when seeking value. We favor asset allocations across borders in line with their strategic weightings in U.S. and international stock markets which mirror the weights in the broad indexes....
by jainn
Mon Mar 04, 2019 9:00 pm
Forum: Investing - Theory, News & General
Topic: Why does Vanguard use a 40% allocation to International in their Balanced Funds?
Replies: 60
Views: 6590

Re: Why does Vanguard use a 40% allocation to International in their Balanced Funds?

Combination of market weight (which is 50ish) snd optimal diversification based on historical returns and correlations. FYI, the domestic/international spit is either dead or dying. Almost any way you slice the market “region” has a low and falling power. “Sector” has a higher power. Could you expo...
by jainn
Sun Feb 24, 2019 7:44 am
Forum: Personal Investments
Topic: I'm essentially market timing, but can't bring myself to stop.
Replies: 71
Views: 6778

Re: I'm essentially market timing, but can't bring myself to stop.

Perhaps you and your wife can read articles and research written for individuals holding a large percentage of their assets in a single stock. https://blog.alliancebernstein.com/post/bernstein/2017/10/whats-your-goal-in-reducing-single-stock-risk http://www.alliancebernstein.com/Research-Publication...
by jainn
Sat Feb 23, 2019 9:49 pm
Forum: Personal Investments
Topic: Playing it safe: How many years of living expenses near retirement?
Replies: 39
Views: 4935

Re: Playing it safe: How many years of living expenses near retirement?

Our asset allocation is typically 75/25 or 70/30, which results in about 9-11 years of expenses in municipal bonds. If there was a major downturn in the economy, we plan on reinvesting dividends of the 70-75% equity side, and spending the bond side. I think 8-10 years worth of fixed income should al...
by jainn
Thu Feb 14, 2019 11:42 pm
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 132
Views: 12505

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

Airbnb and VRBO is wonderful. Our family of five spent 10 weeks in Europe last year and it would have cost a lot more, easily 50+% more, to have two connected hotel room/suites with similar amenities to accommodate us. The combined suites would have been similar in size/sqft to having a complete hom...
by jainn
Tue Jan 15, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 177
Views: 11671

Re: Are You Dumping Netflix?

Netflix announced today that they will be increasing their subscription rates. The basic plan will increase 12.5% (from $7.99 to $8.99). The standard plan will increase 18.2% (from $10.99 to 12.99). The top-tier plan will increase 14.3% (from $13.99 to $15.99). We have been considering getting a fi...
by jainn
Sun Jan 13, 2019 9:41 pm
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 128
Views: 13038

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

A country's equity market is just a collection of individual sectors. Sectors are just collections of individual stocks. These are, after all, all just collections of stocks. Global market cap indexing is the logical choice. Agree - although we feel more comfortable at 70% US and 30% INTL. https://...
by jainn
Sat Jan 12, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 4244

Re: How to buy business class tickets?

Thanks, we are looking forward to it and counting down the days! :beer
by jainn
Sat Jan 12, 2019 4:20 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 4244

Re: How to buy business class tickets?

What's the origin and destination? Also, international first and business class are whole different animals. Large US to large Europe (e.g., JFK-LHR, ORD-LHR) have a ton of business class seats, sometimes close to 100. While they typically have 10-15 first class seats. I have flown those routes wit...
by jainn
Sat Jan 12, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 4244

Re: How to buy business class tickets?

I have even called the Amex Platinum International airline program to see if can get better pricing then just buying directly but so far no luck with Amex Interesting. I purchased 2 business-class tickets on British Airways thru Amex travel and they saved me $400 which helped pay towards the $500 n...
by jainn
Sat Jan 12, 2019 3:03 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 4244

Re: How to buy business class tickets?

We always buy our first class international tickets as soon as they are available. With British Airways, that is almost 1 year in advance. This site has a list of how far in advance for each airline. https://thepointsguy.com/2017/11/how-far-in-advance-book-airfare/ We find that paying with cash earl...
by jainn
Thu Jan 10, 2019 10:14 am
Forum: Investing - Theory, News & General
Topic: Safe withdrawal rate at 38 years old
Replies: 95
Views: 7837

Re: Safe withdrawal rate at 38 years old

We like this blog post, regarding CAPE withdrawals, which is a variable/option using cfiresim. Thank you for bringing this up, jainn- I hadn’t seen this before. Very interesting to incorporate CAPE in the calculation. We prefer to use the most conservative method available ( CAPE 1.00/.05 ), mostly...
by jainn
Mon Jan 07, 2019 8:26 pm
Forum: Investing - Theory, News & General
Topic: Safe withdrawal rate at 38 years old
Replies: 95
Views: 7837

Re: Safe withdrawal rate at 38 years old

We like this blog post, regarding CAPE withdrawals, which is a variable/option using cfiresim. We prefer to use the most conservative method available ( CAPE 1.00/.05 ), mostly out of fear due to us living on our portfolio at a youngish age with 3 kids and have no plans returning to the work force. ...
by jainn
Sun Dec 23, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 417053

Re: What are you up YTD? [Year To Date]

So you are an early retiree who is 100% in stocks? That seems an incredible risky strategy. What if markets don’t just drop another 15-20% but another 30 or 40%? If it fell another 40%, the market would be back to 2000 levels sp500 @ 1450. I just used my calculator and we would need to go from spen...
by jainn
Sat Dec 22, 2018 11:06 pm
Forum: Personal Finance (Not Investing)
Topic: Employer asking me to move my brokerage account
Replies: 30
Views: 3441

Re: Employer asking me to move my brokerage account

Just curious...how would they have access to your personal financial transactions or knowledge of accounts you are in possession? They do not have access to your 1040 do they, as a mortgage company would when applying for a loan, etc? I’ve always wondered about this when I’ve seen the topic come up ...
by jainn
Fri Dec 21, 2018 4:48 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 417053

Re: What are you up YTD? [Year To Date]

minus 2% YTD Mostly 70/30, (50US/20INTL/30BONDS) A few tactical changes this year, temporarily selling bond allocation for stocks, but always going back to 70/30. Just recently went from 75/25 to 100/0, Thursday 12/6... Plan is to go back to 70/30 when sp500 is 2900 again... I prefer a balanced all...
by jainn
Thu Dec 20, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 417053

Re: What are you up YTD? [Year To Date]

minus 2% YTD Mostly 70/30, (50US/20INTL/30BONDS) A few tactical changes this year, temporarily selling bond allocation for stocks, but always going back to 70/30. Just recently went from 75/25 to 100/0, Thursday 12/6... Plan is to go back to 70/30 when sp500 is 2900 again... I prefer a balanced all...
by jainn
Thu Dec 20, 2018 12:20 pm
Forum: Personal Investments
Topic: When is VTI Ex-Divident Date?
Replies: 3
Views: 420

Re: When is VTI Ex-Divident Date?

If I want to TLH (tax lost harvest), from VTSAX (Total US) to VFIAX (SP500), and I TLH exchanging funds today , will I also avoid the VTSAX dividend too? I see the VFIAX paid its 4th quarter dividend already, so that will save me some taxes this year in addition to the TLH idea... The PDF says for V...
by jainn
Sun Dec 16, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?
Replies: 80
Views: 5618

Re: A "super mega roll" of toilet paper = 6 "regular rolls:" is this possible?

If you want another datapoint from 15-30+ years ago..with large photos of the paper dimensions... 1985 ScotTissue https://www.ebay.com/itm/VTG-1985-Colored-Toilet-Paper-Bathroom-SCOT-TISSUE-NOS-Pastel-Peach-4-Rolls-/263933765352 1993 Albertsons https://www.ebay.com/itm/VTG-1993-Colored-Toilet-Paper-...
by jainn
Fri Dec 14, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 ETF versus total stock index ETF
Replies: 10
Views: 2550

Re: S&P 500 ETF versus total stock index ETF

1. Slightly reduced taxes in a taxable account if holding SP500, 100% qualified dividends, compared to Total US Stock with 95% qualified dividends... http://vanguard.com/pdf/RET891511_122018_final.pdf 2. Same return over the past 16 years... https://www.portfoliovisualizer.com/backtest-portfolio?s=y...
by jainn
Tue Dec 11, 2018 11:19 pm
Forum: Investing - Theory, News & General
Topic: VG ETF ? ... VT not = VTI+VXUS
Replies: 8
Views: 682

Re: VG ETF ? ... VT not = VTI+VXUS

Looking at the mutual funds after the close:

US -0.08%
INTL -0.05%
WORLD -0.06%

It looks like NAV math adds up. The ETFs are unique.
Thanks!
by jainn
Tue Dec 11, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: VG ETF ? ... VT not = VTI+VXUS
Replies: 8
Views: 682

Re: VG ETF question -

OK, I think that helps...I'll look at the mutual fund equivalent in a couple hours and see if the math is closer, on NAV basis.

Thank you,
Jainn
by jainn
Tue Dec 11, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: VG ETF ? ... VT not = VTI+VXUS
Replies: 8
Views: 682

Re: VG ETF question -

livesoft wrote:
Tue Dec 11, 2018 3:31 pm
Because people don't like the packaging.
Really? :) I just don't know...I never have tracked VT to see how it does, I've always monitored my TotalUS/INTL via VTI/VXUS...I was contemplating Total World and this difference just stood out to me...
by jainn
Tue Dec 11, 2018 3:30 pm
Forum: Investing - Theory, News & General
Topic: VG ETF ? ... VT not = VTI+VXUS
Replies: 8
Views: 682

VG ETF ? ... VT not = VTI+VXUS

I was looking at Total US, Total INTL, and Total World... VTI (Total US) VXUS (Total INTL) VT (Total World) (55% US / 45% INTL) In this moment, via Yahoo Finance, I see: VTI up 0.49% VXUS up 0.55% VT up 0.44% few minutes after posting, it is as of 3:32pm EST: VTI up 0.66% VXUS up 0.68% VT up 0.57% W...
by jainn
Sun Dec 09, 2018 5:53 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2338
Views: 417053

Re: What are you up YTD? [Year To Date]

minus 2% YTD Mostly 70/30, (50US/20INTL/30BONDS) A few tactical changes this year, temporarily selling bond allocation for stocks, but always going back to 70/30. Just recently went from 75/25 to 100/0, Thursday 12/6... Plan is to go back to 70/30 when sp500 is 2900 again... I prefer a balanced allo...
by jainn
Sun Dec 09, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 40848

Re: TurboTax Prices

Caution, a quick google search shows: Is Taxpros19 an authorized reseller of Turbotax software ? - TurboTax Support From Intuit directly, the answer is No. Also: Be very aware that if you find a "too good to be true price" from an unknown seller then it is too good to be true ... unauthorized resel...
by jainn
Sun Dec 09, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 40848

Re: TurboTax Prices

Is this site legit to buy without spyware software being received? https://taxpros19.com/product/turbotax-premier-2018-for-mac/ The price is $42.99 minus a 7$ coupon, so $36 versus Amazon which I trust completely, at $70. Essentially 50% off a trusted source. Another consideration is I am giving the...
by jainn
Wed Dec 05, 2018 8:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10820
Views: 1889031

Re: U.S. stocks in freefall

I think the market is free to go up now.........somebody dumped a big position into an iliquid market. We traded 2649.75!!!! Where do you see this info? Bloomberg has an article about it right now: https://www.bloomberg.com/news/articles/2018-12-06/s-p-500-futures-plunge-leaving-traders-grasping-fo...
by jainn
Wed Oct 24, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why International Diversification Works
Replies: 119
Views: 9896

Re: Larry Swedroe: Why International Diversification Works

i dont invest in international markets because of historical, present, or future correlations, standard deviations, or variance. i invest in them for the same reason i invest in the US market: i want to be a partial owner of all those businesses. at the end of the day, thats all we are doing - inve...
by jainn
Wed Oct 10, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 5295

Re: Vanguard website problems [Transactions won't go through, etc.]

https://www.bloombergquint.com/markets/vanguard-says-snafu-leaves-some-clients-with-no-website-access#gs.5_4ijQk Vanguard Says Snafu Leaves Some Clients With No Website Access Charles Stein Oct 10 2018, 4:18 PM (Bloomberg) -- Vanguard Group, the biggest U.S. mutual fund firm, experienced technical ...
by jainn
Tue Sep 18, 2018 9:05 am
Forum: Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 11632

Re: How real is cyber risk?

AIG Fraud SafeGuard coverage add-on to homeowners insurance. https://halcyonuw.com/Home/Pdf?path=AigForms%5C&file=Fraud%20Brochure.pdf AIG has another product called Family CyberEdge https://www-200.aigprivateclient.com/index.php?Page=cyber-insurance-coverage https://preview.ibb.co/e80DKz/Screen_Sho...
by jainn
Thu Sep 06, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 33212

Re: Do you have an umbrella policy?

LadyGeek wrote:
Thu Sep 06, 2018 4:03 pm
FYI - I merged ASpenderInRecovery's thread into a similar discussion.

jainn - You've posted the same content in both threads. After the merge, I removed the duplicate post (the later one).
Thanks! :beer
by jainn
Wed Sep 05, 2018 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 278
Views: 33212

Re: Do you have an umbrella policy?

We have a total of $10M Umbrella. We pay $800 for $5M umbrella (maximum provided by our insurance company) and another $750 for additional $5M excess liability umbrella which begins if the first $5M is exhausted... the primary insurance company for which we have auto and home and umbrella is the br...
by jainn
Fri Aug 31, 2018 5:15 pm
Forum: Personal Consumer Issues
Topic: Piano for a child
Replies: 60
Views: 3352

Re: Piano for a child

$85/month with taxes, to rent a brand new Kawai K200, month-to-month use, no money down and no long-term contract. Only $320 to have round-trip delivery pre-paid. Just call your local piano store(s). May take a few stores to find one that rents out brand new models. Any Kawai factory dealer should h...
by jainn
Thu Aug 30, 2018 5:25 pm
Forum: Personal Investments
Topic: Inter term treasury - portfolio turnover
Replies: 9
Views: 601

Re: Inter term treasury - portfolio turnover

Buy the Index fund version... Intermediate-Term Treasury Index Fund Admiral Shares (VSIGX) https://institutional.vanguard.com/VGApp/iip/site/institutional/investments/productoverview?fundId=1943&source=autosuggest&fromSearch=true It has a lower amount of turnover, at 32%. Seeks to track the performa...
by jainn
Thu Aug 30, 2018 1:14 pm
Forum: Investing - Theory, News & General
Topic: Wellington VS Balanced Index
Replies: 6
Views: 2200

Re: Wellington VS Balanced Index

Lifestrategy Moderate Growth (60/40) for non taxable account. Allocation to underlying funds as of 07/31/2018 Vanguard Total Stock Market Index Fund Investor Shares 36.10% Vanguard Total Bond Market II Index Fund Investor Shares 27.90% Vanguard Total International Stock Index Fund Investor Shares 24...
by jainn
Sat Aug 25, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: bond fund yield relates to risk - comparing two treasury funds
Replies: 6
Views: 486

bond fund yield relates to risk - comparing two treasury funds

Comparing: #1 Vanguard Short-Term Treasury Index Fund Admiral Shares (VSBSX) have a 2.57% yield with 1.9year duration, 99.4% Treasuries, and 0.07% ER. https://investor.vanguard.com/mutual-funds/profile/overview/vsbsx #2 Vanguard Short-Term Treasury Fund Admiral Shares (VFIRX) have a 2.51% yield with...