Search found 234 matches

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: 8691

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: 10777

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: 11719

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 freefall
Replies: 6683
Views: 1450192

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: 93
Views: 9640

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: 93
Views: 9640

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: 93
Views: 9640

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: 5293

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: 93
Views: 9640

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: 4221

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: 4221

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: 4221

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: 4221

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: 7397

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: 7262

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: 13743

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...
by jainn
Fri Mar 16, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: i-ORP: Short or Long input form ?
Replies: 6
Views: 541

Re: i-ORP: Short or Long input form ?

I-ORP website is not working for me when I input all the numbers. When I click Run ORP I get a pop-up that eventually shows:

404 - File or directory not found.
The resource you are looking for might have been removed, had its name changed, or is temporarily unavailable.
by jainn
Sat Mar 10, 2018 12:39 am
Forum: Personal Consumer Issues
Topic: Is this too much for a kitchen?
Replies: 69
Views: 7103

Re: Is this too much for a kitchen?

my house is worth 250k according to the online sites (zillow, etc) but i know that's high -- no more than 220k in my opinion based on neighborhood comps. i also got a estimate for my kitchen and attached half bath -- getting less work done than you -- and the estimate also came back at 42k. i told ...
by jainn
Sat Mar 03, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 113
Views: 13743

Re: Bogleheads with $100K+ MSRP cars?

We almost bought a $103k MSRP 2017 Mercedes GL550, but decided against it based on the successor arriving in 2019, and preferred the fresher and more technologically advanced 2017 Audi Q7 3.0T Prestige with the Luxury Package, Chassis Package, Driver Assistance Package, and B&O sound system. After r...
by jainn
Wed Feb 28, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Car Purchase Thoughts
Replies: 9
Views: 952

Re: Car Purchase Thoughts

Hi, my wife and I are looking to replace her 2006 Acura RL that has ~230K miles with a new 2018 Acura MDX. The MDX will cost around $50K. HHI - $250K Retirement - $750K 529 - $75K Misc. Cash - $80K We have a mortgage of around $500K on a home worth about $660K. It is our only debt. We would pay cas...
by jainn
Mon Feb 26, 2018 10:51 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78157

Re: Netflix, Your Current Favorite Show

Fawlty Towers
by jainn
Sun Feb 25, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: 3 layers of roof. Pull my offer??
Replies: 63
Views: 6156

Re: 3 layers of roof. Pull my offer??

Hi- I consider the people on this forum to be very educated and level headed so I wanted your opinion. I made an offer on a home and when the inspector came he informed me the home had 3 layers of roofing shingles. What do you guys think I should do? Pull the offer? Ask for them to put a new roof o...
by jainn
Thu Feb 15, 2018 10:45 pm
Forum: Personal Consumer Issues
Topic: Bonavita 1500 vs 1800/1900? (coffee)
Replies: 16
Views: 1471

Re: Bonavita 1500 vs 1800/1900? (coffee)

We have the predecessor to this model, same specs though. It's about 3 years old and still operating daily without issue. Amazon: https://www.amazon.com/Bonavita-BV1900TS-Carafe-Coffee-Stainless/dp/B00O9FO1HK/ Manufacturer: http://bonavitaworld.com/products/bonavita It is SCA certified, which I neve...
by jainn
Wed Feb 14, 2018 5:51 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 25677

Re: Muni Money Market funds starting to look good!

As of Feb 13 2018: Vanguard Municipal Money Market Fund (VMSXX) SEC yield 0.92% Vanguard Federal Money Market Fund (VMFXX) SEC yield 1.29% Vanguard Prime Money Market Fund (VMMXX) SEC yield 1.46% 2018 33% federal bracket + 0% state bracket + 3.8% NIIT* = 36.8% VMSXX 0.92% tax equivalent yield = 1.46...
by jainn
Fri Feb 09, 2018 2:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1450192

Re: U.S. stocks in freefall

29 here, just sold half IRA and 15K of stock today still have ~50K in stock i am all equity/stock, i have nothing to fear with 30 years down the road till retirement Huh?! You cashed out 15K of stock after a 10% decline, because you have 30 years of time and nothing to fear? Those seem mutually exc...
by jainn
Thu Feb 08, 2018 11:04 pm
Forum: Investing - Theory, News & General
Topic: "The stock market is officially in a correction... here's what usually happens next"
Replies: 83
Views: 14338

Re: "The stock market is officially in a correction... here's what usually happens next"

Vanguard home page has this article right next to the login button to help educate investors. Nervous about market conditions? Making sudden changes to your portfolio could lead to costly mistakes. See our research and tips. How to navigate market corrections https://investornews.vanguard/how-to-nav...
by jainn
Wed Feb 07, 2018 12:26 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 213
Views: 38512

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

65% total us stock market index
35% total international index
by jainn
Tue Feb 06, 2018 11:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1450192

Re: U.S. stocks in freefall

Aaaaand, the beat goes on... as of 9:35 PM Eastern, Australia is down almost 3%, Japan is down over 5%, and U.S. S&P 500 e-mini is down a percent and a half. Looks like tuck and roll tomorrow. :shock: SP futures closed this afternoon 1.5 below the index so that 1.5% move down, which is now 2% btw, ...
by jainn
Mon Feb 05, 2018 11:22 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1450192

Re: U.S. stocks in freefall

Aaaaand, the beat goes on... as of 9:35 PM Eastern, Australia is down almost 3%, Japan is down over 5%, and U.S. S&P 500 e-mini is down a percent and a half. Looks like tuck and roll tomorrow. :shock: SP futures closed this afternoon 1.5 below the index so that 1.5% move down, which is now 2% btw, ...
by jainn
Mon Feb 05, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6683
Views: 1450192

Re: U.S. stocks in freefall

We have in our IPS to move 5% of our total portfolio into stocks at a 10% fall from all time highs (2873 -> 10% drop = 2580). Another 2.6% drop from here (SP500 currently 2649) to have us do a fund exchange into equities. Bonus is if this never happens, the majority of our portfolio will be done fal...
by jainn
Sun Feb 04, 2018 10:37 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 19567

Re: For BHs who actually like cars - what is your daily driver?

midareff wrote:
Sun Feb 04, 2018 11:48 am
2013 Mercedes C350 @ the moment, 2018 C63S due March.
pure curiosity...why c63s and not e63s?
Thanks
Jainn

https://www.mbusa.com/mercedes/vehicles ... del-E63W4S
by jainn
Sat Feb 03, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 280
Views: 19567

Re: For BHs who actually like cars - what is your daily driver?

2017 audi q7 prestige 3.0T
love the b&o sound, adjustable air suspension, and massage seats.
by jainn
Thu Feb 01, 2018 9:48 am
Forum: Personal Finance (Not Investing)
Topic: traveling the USA and state income taxes from dividends/interest
Replies: 11
Views: 997

Re: traveling the USA and state income taxes from dividends/interest

Thank you for all the replies. We are planning on selling our house, and using my parents physical address for our address. We haven't decided if we should also use their address for our mailing address or utilize a PO Box or similar mailbox store for mail. All our vanguard tax forms are delivered e...
by jainn
Wed Jan 31, 2018 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: traveling the USA and state income taxes from dividends/interest
Replies: 11
Views: 997

traveling the USA and state income taxes from dividends/interest

If you travel the USA, spending 1-4 months in a single state, then move on to another state, etc.. all pleasure travel, how do you handle your dividends/interest for your tax return. Your domicile is state A( for us it happens to be a no income tax state )...but you were only in state A for perhaps ...
by jainn
Sun Jan 28, 2018 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds - 100% When All You Need is the Income
Replies: 55
Views: 5894

Re: Municipal Bonds - 100% When All You Need is the Income

You say you're in the 37% tax bracket. Marginal rates might not be the best way to analyze how great of a need you have to hold so much in munis. When I had a similar discussion with my accountant, he told me to look at average tax rates. His reasoning was that rates are applied in a stacked manner...
by jainn
Fri Jan 26, 2018 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds - 100% When All You Need is the Income
Replies: 55
Views: 5894

Re: Municipal Bonds - 100% When All You Need is the Income

If I were you I'd be at least 30% equities. If you want to minimize taxes, fill your tax advantage space (any 401k, 403b, backdoor Roth, etc) with equities. I like VTI, but is 500 Index more or less tax efficient? At your level of wealth, you may be approaching Institutional Shares! It sure would b...
by jainn
Fri Jan 26, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds - 100% When All You Need is the Income
Replies: 55
Views: 5894

Re: Municipal Bonds - 100% When All You Need is the Income

Our bond allocation is 90% vanguard intermediate tax exempt and 10% vanguard total bond index. 100% of our IRA’s and roth IRA’s are in the total bond index but due to our taxable account dwarfing our tax deferred/free space, most of all our bonds being municipal is our reality. I can’t see a good re...
by jainn
Fri Jan 26, 2018 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bonds - 100% When All You Need is the Income
Replies: 55
Views: 5894

Re: Municipal Bonds - 100% When All You Need is the Income

To have $250k in annual interest from your three muni funds, you have around $8-9 million in muni funds in your taxable account. If you aren't working and do not have other sources of taxable income, you won't be in the highest tax bracket because your taxable income will be zero and you would be in...
by jainn
Thu Jan 25, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Kitces article: A cash bucket in retirement? Nope
Replies: 150
Views: 12902

Re: Kitces article: A cash bucket in retirement? Nope

I have a full FIVE YEARS of net spending requirement (difference between annual spending and income) in VG Prime MM and Ultra Short. Zero in bonds. All the rest in broad market stock index funds. This strikes me like going to a tennis match, watching the ball go back and forth with no personal stak...
by jainn
Wed Jan 24, 2018 11:25 pm
Forum: Investing - Theory, News & General
Topic: Bond Portfolio for High Net Worth Individuals - Different Rules?
Replies: 67
Views: 8123

Re: Bond Portfolio for High Net Worth Individuals - Different Rules?

I have heard of various approaches to how much one should have in bonds - 100 or 120 minus age = bond percentage, etc. But, what about for high net worth individuals? If someone has $5m, and the market tanks by 50%, that portfolio could fall to $2.5m, and while that would certainly be cringeworthy,...
by jainn
Wed Jan 24, 2018 10:32 pm
Forum: Investing - Theory, News & General
Topic: How to calculate value of bonds needed without selling equities in down markets
Replies: 12
Views: 898

Re: How to calculate value of bonds needed without selling equities in down markets

Thanks a lot. That's a lot of work. It would be interesting to run it again at 4 million and with an allocation of Bernstein's 60/40, and then another more typical senior allocation of 40/60 and.or 30/70. I think there's going to be a break point in there where #D starts to work, or others, because...
by jainn
Wed Jan 24, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: How to calculate value of bonds needed without selling equities in down markets
Replies: 12
Views: 898

Re: How to calculate value of bonds needed without selling equities in down markets

% Down Market for how long (duration)? j :D When I use portfoliovisualizer, it goes back to 1972, and the recovery time shows 5-7 years. Of course it would be nice for it to show further back in to the 1920's, as well as the future ;) Drawdowns for 65% stocks / 35% bonds and 2.8% withdrawal rate ad...
by jainn
Wed Jan 24, 2018 6:57 pm
Forum: Investing - Theory, News & General
Topic: How to calculate value of bonds needed without selling equities in down markets
Replies: 12
Views: 898

Re: How to calculate value of bonds needed without selling equities in down markets

How down a market are you trying to conquer? 5%? 25%? 55%? People worry about this too much. Just rebalance and withdraw pro rata, you'll be fine. The 4% rule takes down markets into account... I have been trying to model/forecast/guess the future :oops: a 40% down equity market and corresponding u...
by jainn
Wed Jan 24, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: How to calculate value of bonds needed without selling equities in down markets
Replies: 12
Views: 898

Re: How to calculate value of bonds needed without selling equities in down markets

Just a few thoughts: You can’t sell bond shares and maintain the same level of bond dividends, as in your examples B and D. Take B. Once you sell $65K in bonds in year 1, you lose the interest on those bonds for the remaining years. Many people who are living solely on their assets would have a cou...
by jainn
Wed Jan 24, 2018 4:41 pm
Forum: Investing - Theory, News & General
Topic: How to calculate value of bonds needed without selling equities in down markets
Replies: 12
Views: 898

How to calculate value of bonds needed without selling equities in down markets

How to determine how much you need in bonds to not be forced to sell equities during down markets, even prolonged down markets? I have managed to come up with many different answers... :confused hypothetical $3million taxable portfolio with 75% equity / 25% bonds: desired spending including taxes $8...
by jainn
Fri Jan 05, 2018 8:29 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 226
Views: 28758

Re: Hitting The Sell Button

We decided to hit the sell button today. We finally came to the conclusion that if the market continues to melt up this year, even to the magic SP500 @ 3000 mark, the additional rise in our equities would be good news nonetheless, and our elaborate spreadsheets would get happily updated. We had to c...
by jainn
Thu Jan 04, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: What strategy do you use to reduce sequence of returns risk in retirement?
Replies: 117
Views: 8705

Re: What strategy do you use to reduce sequence of returns risk in retirement?

I found this article to be a good read. Here is a few snippets. We are fairly young, retired, and currently at 71/29 equities/bonds, with sub 3% withdrawal rate and a 50+ year time horizon. With the past 12 months of equity gains we are constantly trying to decide if we should move 5-10% to bonds, 6...
by jainn
Tue Jan 02, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2742

Re: A cabin in the snow

For a great time with a cabin in the snow, I recommend Lapland Lake in NY. It is a lakeside forest bordering Adirondack Park. http://www.laplandlake.com/winter-accommodations.htm

http://www.laplandlake.com/cross_country_ski_.htm