Search found 267 matches

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: 79
Views: 4991

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: 1318

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: 615

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: 615

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: 615

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: 615

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: 2043
Views: 380473

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: 212
Views: 29930

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: 212
Views: 29930

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: 8812
Views: 1692663

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: 9553

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: 4923

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: Investing - Help with Personal Investments
Topic: How real is cyber risk?
Replies: 176
Views: 10213

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: 30822

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: 30822

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: 3275

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: Investing - Help with Personal Investments
Topic: Inter term treasury - portfolio turnover
Replies: 9
Views: 575

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: 1720

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: 418

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...
by jainn
Thu Aug 23, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8815

Re: $65K Fun Daily Driver

2002 E39 BMW M5 w/ only 437 miles on the odometer, sitting in climate controlled garage for 16 years. https://www.motorauthority.com/news/1118348_437-mile-2002-e39-bmw-m5-could-sell-for-180000 This particular BMW was purchased by a man in Rancho Santa Fe, Calif., who bought one M5 to drive and a sec...
by jainn
Wed Aug 22, 2018 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Wrong for being 100% Equities ?
Replies: 70
Views: 6950

Re: Am I Wrong for being 100% Equities ?

Over the past 25 years the US total market has returned 10% nominal CAGR. Yes this included two stretches of 0% returns (dotcom bust and credit crisis) but those two stretches only lasted 8 years total, out of 25. If OP is as disciplined as he says he is, the facts are on his side. That's what I've...
by jainn
Thu Aug 16, 2018 9:12 am
Forum: Investing - Theory, News & General
Topic: Article: A family of 3 gets by in San Francisco without anyone working a job
Replies: 9
Views: 1665

Article: A family of 3 gets by in San Francisco without anyone working a job

CNBC article on living on income in HCOL area without anyone working a job....but looking at his income, there seems to be some job related activities...so not really 100% passive income? Hobby = job, if a job is something you enjoy and quitting has zero effect on your lifestyle? https://www.cnbc.co...
by jainn
Thu Aug 16, 2018 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Why bonds when they return nothing over inflation?
Replies: 31
Views: 5207

Re: Why bonds when they return nothing over inflation?

Andrew 99999....There are other people who think like you. It is the basis of the book "Investing at Level 3" by Jim Cloonan the founder of AAII (American Association of Individual Investors) an organization quite similar to the Bogleheads. The essence of the book is summed up in two sentences. "Fu...
by jainn
Tue Aug 14, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!
Replies: 1247
Views: 107147

Re: It's not enough to mumble "Stay the Course"... INT'L Investing has been a disaster!

https://finpage.blog/2017/03/25/investing-in-the-world-part-3/ I don’t like seeing the returns of our ‘Total international’ compared to ‘Total US’ but we are staying the course for the diversification. The future is full of unknowns. Currently at 67 US and 33 INTL. I enjoyed reading this three part...
by jainn
Sun Aug 12, 2018 9:57 pm
Forum: Investing - Theory, News & General
Topic: How can I use the Rising Equity Glide Path?
Replies: 61
Views: 4225

Re: How can I use the Rising Equity Glide Path?

a 50/50 portfolio had a 95% chance of survival over 30 years at a 4% withdrawal (100% at 3% withdrawal): a 75/25 portfolio had a 98% chance of survival over 30 years at a 4% withdrawal (100% at 3 % withdrawal): withdrawals are adjusted for inflation. this was true for all 30 year periods between 19...
by jainn
Sun Aug 12, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest ~$4mm for disabled-for-life 36-yo
Replies: 22
Views: 2895

Re: How to invest ~$4mm for disabled-for-life 36-yo

Reading this white paper on high net worth investing for special needs, may be helpful. It discusses asset allocation, potential volatility/drawdown risk, etc... https://www.bernstein.com/Bernstein/EN_US/Research/Publications/Instrumentation/SpecialNeedsPlanning.pdf It’s natural for parents of speci...
by jainn
Thu Aug 09, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: Do You Purchase "Medical Evacuation Insurance" When You Travel?
Replies: 181
Views: 10751

Re: Do You Purchase "Medical Evacuation Insurance" When You Travel?

Good story regarding Amex Platinum Medical Evacuation benefit. This person purchased no extra coverage, only used what is included in the Amex Personal Platinum card. https://viewfromthewing.boardingarea.com/2017/05/10/know-benefits-amex-platinum-medical-evacuation-claim-award-ticket-saves-275000/ W...
by jainn
Sun Aug 05, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: Stress testing my portfolio
Replies: 28
Views: 2185

Re: Stress testing my portfolio

jainn, It is because, after 3 to 4 years, it will no longer be safe to live at the current location. I will have to move to someplace else. And, at the new LCOL area, I will have more than enough to live with the remaining fixed income up to 10 years. So, 5 years is good enough. <<you now have almo...
by jainn
Sun Aug 05, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Stress testing my portfolio
Replies: 28
Views: 2185

Re: Stress testing my portfolio

Am I reading that correctly? The stress test with 50% downturn, models the stock market to return to its prior peak in 60 months, peak to peak, which will mean you can avoid selling equity at a loss? Your asset allocation / stress test, provides for 5 years of fixed income spending? Without confirma...
by jainn
Mon Jul 30, 2018 8:43 pm
Forum: Investing - Theory, News & General
Topic: Inflation indexing of capital gains
Replies: 7
Views: 805

Re: Inflation indexing of capital gains

https://www.cnbc.com/2018/07/30/treasury-contemplates-how-to-cut-another-100-billion-in-taxes.html The Treasury is considering ways to bypass Congress and cut $100 billion in taxes that affect mainly wealthy investors. The cut would come by changing how investors calculate the initial value of asse...
by jainn
Mon Jul 30, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Firecalc Says No Benefit to a Higher Equity Asset Allocation??
Replies: 47
Views: 4823

Re: Firecalc Says No Benefit to a Higher Equity Asset Allocation??

b) all failure cases are treated equally. The 50/50 person might run out of money in year 29. The 100/0 person might run out in year 20. Here's the historical data for the US, the UK, and a global portfolio. I've highlighted the 100/0 and 50/50 portfolios but you can look at the others as well. htt...
by jainn
Sat Jul 21, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 34
Views: 3321

Re: International Stocks in Taxable?

Maybe I misunderstand the list. What is wrong with #3? We exceed $20k of foreign QDI from our VG Total International fund, and combining the dividends from our two equity (US + International) funds and selling of shares creating LTCG, we are in either the 35% or 37% bracket for 2018 tax tables. We ...
by jainn
Sat Jul 21, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: International Stocks in Taxable?
Replies: 34
Views: 3321

Re: International Stocks in Taxable?

Here's my summary of the five headaches associated with international fund dividends and Form 1116: 1. Exceeding the $300/$600 foreign tax level. 2. Claiming state income tax as an itemized Federal deduction. This is where a lot of tax software comes up short. 3. Exceeding $20K of foreign QDI, or b...
by jainn
Mon Jul 02, 2018 5:20 pm
Forum: Investing - Theory, News & General
Topic: "homemade dividends" from Total Stock Market fund
Replies: 135
Views: 9579

Re: "homemade dividends" from Total Stock Market fund

I'm currently reading Against the Gods, by Peter Bernstein...this is my second time reading it...first time about 15 years ago... Quite enjoyable..just came across the word in this thread title...it discusses homemade dividends in Chapter 17 - The Theory Police. https://books.google.com/books?id=uTj...
by jainn
Mon Jul 02, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 12289

Re: Feel like I'm sinking money into international

We are currently 65% US and 35% International...today I look back at the past 1/3/5/10 year returns for US vs International...and consider moving to 50/50, hoping for a return to the mean...and win back some of the lost performance. We don't though...at least not now...because we don't have any reas...
by jainn
Tue Jun 26, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: When did you start flying business class?
Replies: 155
Views: 12944

Re: When did you start flying business class?

There are no instances that I can think of -- other than in the airline industry -- where the masses have been convinced to spend $1000/hour or more for temporary comfort. The "masses" have been convinced of nothing of the sort. The majority of plane real estate is still dedicated to economy and if...
by jainn
Tue Jun 19, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8812
Views: 1692663

Re: Anyone buying today?

if today turns out to be an RBD, then Yes, I will buy today. I have in my investment notes for April 2, 2018: April 2: Trade war drop in stocks! VTI is down 3%! It looks like VTI (total stock market) is up about 7% since then. VG Total International is down about 10% from January highs...staying in...
by jainn
Sun May 13, 2018 5:40 pm
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 95
Views: 11309

Re: Yield Curves-Treasury, CD, AA/AAA muni

Got it. Thank you!
Jainn
by jainn
Sun May 13, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 95
Views: 11309

Re: Yield Curves-Treasury, CD, AA/AAA muni

My next task is to do a similar analysis for Treasuries vs. Munis in a taxable account (so looking at taxable-equivalent yields). Done. Before sharing that, here's a recap of the chart in the OP, but just looking at Treasury and AA muni TEYs (at my marginal tax rates of 27% and 8%), and for yields ...
by jainn
Sat May 12, 2018 12:09 pm
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 95
Views: 11309

Re: Yield Curves-Treasury, CD, AA/AAA muni

My next task is to do a similar analysis for Treasuries vs. Munis in a taxable account (so looking at taxable-equivalent yields). Analyzing munis is much more complicated, since credit rating needs to be considered. For example, I might buy a 2-year AA+ muni if the yield exceeded a 2-year Treasury ...
by jainn
Sun Apr 29, 2018 8:23 am
Forum: Personal Consumer Issues
Topic: Maple syrup
Replies: 59
Views: 5911

Re: Maple syrup

trader joe’s 100pct pure vermont maple syrup.
by jainn
Sat Apr 28, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 95
Views: 11309

Re: Yield Curves-Treasury, CD, AA/AAA muni

Can you help me understand better... Comparing VG MMF, Short, Limited, Intermediate.... Tax Exempt Admiral funds...we are retired and our tax bracket is 35% federal + 3.8% NIIT...due to the taxable dividends from the stock side of asset allocation. Looking at SEC and TEY premium for each additional ...
by jainn
Fri Apr 06, 2018 8:54 am
Forum: Personal Finance (Not Investing)
Topic: $30M Umbrella Insurance?
Replies: 31
Views: 4683

Re: $30M Umbrella Insurance?

So I think "liability coverage equal to net worth" is kind of like "age in bonds" for asset allocation. You could do worse. It's probably a good starting point for most people. But for some reason, unfortunately, the "coverage equal to net worth" gets used much more strictly without proper examinat...
by jainn
Thu Apr 05, 2018 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: $30M Umbrella Insurance?
Replies: 31
Views: 4683

Re: $30M Umbrella Insurance?

If you did go through multiple companies, the policies would spell out each layer. For instance one policy would go from $1M-$5M, a second from $5-$10, and so on. They stack so there is no confusion of who will pay each layer of excess. I work in commercial insurance where companies purchase excess...
by jainn
Thu Apr 05, 2018 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: $30M Umbrella Insurance?
Replies: 31
Views: 4683

Re: $30M Umbrella Insurance?

Not sure what algorithm is used to come up with the answers, but I found this quiz from article in nytimes...

http://www.crystalco.com/whats-my-liability/

You don't have to put in a real email address at the end to see the result.
by jainn
Thu Apr 05, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: $30M Umbrella Insurance?
Replies: 31
Views: 4683

Re: $30M Umbrella Insurance?

I am assisting a relative search for an umbrella insurance policy. The individual has a net worth of approximately $30M. Based on this board’s recommendation of having an umbrella policy equal to an individual’s net worth at minimum, we are looking for an insurance company that provides $30M+ in co...
by jainn
Thu Apr 05, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Asking for a raise/promotion with another offer in hand
Replies: 103
Views: 8375

Re: Asking for a raise/promotion with another offer in hand

denovo wrote:
Fri Mar 30, 2018 4:05 pm
You're weakening your position and showing your indecisiveness. Ask them to match if you want to be taken seriously.
+1

be ready to walk but they should match to keep you.
by jainn
Sat Mar 24, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: How does it make sense to buy a condo/house in Texas?
Replies: 97
Views: 8229

Re: How does it make sense to buy a condo/house in Texas?

HomerJ wrote:
Sat Mar 24, 2018 12:19 pm
Well, off the top of my head, a $200k or $300k home in Texas is a LOT nicer than a studio or 1-bedroom apt for $500-$700.

If you're single, and a 1-bedroom apt is all you need, and you're perfectly happy with the choices at the $500/month level, then absolutely you should rent, not buy.
+1
by jainn
Sat Mar 17, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 113
Views: 14890

Re: Bogleheads with $100K+ MSRP cars?

The Q7 was MSRP $86k, we had it custom ordered at 6% off MSRP and arrived at Christmas 2016, for $81k + tax. 17k miles later, we have zero regrets...absolutely love it, very stable with the adjustable air suspension, amazing massage seats (turned on everyday!), and wonderful sound system. It was fu...