Search found 2299 matches

by am
Tue Aug 15, 2017 10:22 am
Forum: Investing - Theory, News & General
Topic: Fidelity total int. and us bond observation
Replies: 6
Views: 602

Re: Fidelity total int. and us bond observation

In 2008 for example, fidelity total bond trailed the index by 1.5% or so, which I think is a large amount for a bond fund. Why is it that this fund holds less than 2000 bonds while Vanguards has more than 8000. Similar observations for the new total international index fund at Fidelity versus Vangu...
by am
Tue Aug 15, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: Fidelity total int. and us bond observation
Replies: 6
Views: 602

Re: Fidelity total int. and us bond observation

In 2008 for example, fidelity total bond trailed the index by 1.5% or so, which I think is a large amount for a bond fund. Why is it that this fund holds less than 2000 bonds while Vanguards has more than 8000. Similar observations for the new total international index fund at Fidelity versus Vangua...
by am
Tue Aug 15, 2017 8:54 am
Forum: Investing - Theory, News & General
Topic: Caution for those using fidelity brokeragelink and rollovers
Replies: 3
Views: 361

Re: Caution for those using fidelity brokeragelink and rollovers

I think you have a valid beef if there was an order in the system, but they probably have it covered somewhere in the fine, fine print. I'd call them and see if they'll give you some free trades or something. I asked the representative to speak to the supervisor, but he said he did not think it wou...
by am
Tue Aug 15, 2017 8:17 am
Forum: Investing - Theory, News & General
Topic: Caution for those using fidelity brokeragelink and rollovers
Replies: 3
Views: 361

Caution for those using fidelity brokeragelink and rollovers

I rolled in some money into fidelity brokerage link. The money was allocated automatically according to instructions for future contributions such as from paychecks. I had standing investment orders all weekend and Monday morning, When I got home Monday evening, the orders were cancelled by Fidelity...
by am
Tue Aug 15, 2017 8:08 am
Forum: Investing - Theory, News & General
Topic: Fidelity total int. and us bond observation
Replies: 6
Views: 602

Fidelity total int. and us bond observation

I compared the total international and total bond at fidelity with vanguard while choosing funds for my 401k brokeragelink. I noticed that there are fewer holdings at fidelity and the fidelity funds do not follow their benchmarks as well as at vanguard. I wonder if Fidelity's cost cutting has led to...
by am
Thu Aug 10, 2017 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Diversify Your Emergency Fund?
Replies: 32
Views: 2188

Re: Diversify Your Emergency Fund?

David Scubadiver wrote:The 2008-2009 period was the greatest sale in earth. Not a crash.

Yes, easy to say in retrospect. The Japanese are still waiting for the 89' sale to end :wink:
by am
Sun Jul 30, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"
Replies: 54
Views: 6885

Re: WSJ: "Sapphire Reserve Cards Aren’t Very Rewarding for J.P. Morgan"

Anyone cancelling sapphire reserve and switching to citi prestige with new bonus? Trying to decide if worth it?
by am
Tue Jul 18, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: "The Benefits of Elegantly Simple Portfolio Construction"
Replies: 7
Views: 1288

Re: "The Benefits of Elegantly Simple Portfolio Construction"

You would think that the simple 3 fund portfolio (or less) Would be the default for the new investor. But I think that it takes a lot of experience, knowledge and sophistication to convince yourself that this is the best portfolio for most people. Even after all these years, I find myself fighting u...
by am
Tue Jul 18, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: % bogleheads of overall population
Replies: 82
Views: 10469

Re: % bogleheads of overall population

I would also add that many bogleheads are not perfect bogleheads. The number of threads on here about chasing the hot investments and behavior showing lack of discipline convinced me. You'd think sticking with a 3 funder through thick and thin would be so easy, but few do it. It took me years of par...
by am
Sun Jul 09, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5015

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Chopped salad. One chocolate chip cookie. Water. Read that the chocolate chip cookie is the most processed unhealthy thing in the restaurant. But I hear you, I would get a cookie up until 6 months ago when I gave it up. Does the chopped salad with say rotisserie chicken or oven roasted chicken brea...
by am
Sun Jul 09, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 220
Views: 17191

Re: Buying house - Very important decision

No, you can't afford a $500K+ house. Why do you need that? You live in TN, a relatively LCOL place. Surely you can find something in the $250-350 range. No, it won't look like the $500K+ place. You don't need more than 2000 for three people. But you want more. Figure out the difference between want...
by am
Sun Jul 09, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5015

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

How about carved turkey or rotisserie chicken on wheat bread 6" with all the veggies (no pickles), no cheese, honey mustard? How healthy would this be if eaten say 2-3x per week? How about oven roasted chicken breast- my main concern would be the 50% that's not chicken :shock:
by am
Sun Jul 09, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5015

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Buy better quality breads and name brand meats at a decent supermarket and make your own sandwiches at home to bring to work. The world health organization has stated that deli meats and other processed meats are carcinogens. Another reason why I am hesitant to make my own deli sandwiches. m your c...
by am
Sun Jul 09, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 220
Views: 17191

Re: Buying house - Very important decision

How are you guessing the median household income? If you have actual data from census, that is going be quite old. For real estate transaction prices, it is all public records, so that data can be current and accurate. Household income data will be hard to ascertain. Of course unless IRS publishes ...
by am
Sun Jul 09, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5015

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

The OP is asking a question, and everyone is telling him to bring a sandwich or salad from home. Your advice is good, but it's not the advice he's asking for. I love Subway! It's my go-to fast-food place. On a recent walk through California and Arizona, I stopped at Subway whenever I could. I am on...
by am
Sun Jul 09, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5015

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

If you care at all about your health, cook your own food. In my opinion, Subway has proven a few times that they do not care what they are feeding you, so long as you pay for it. Two incidents that come to mind are the "yoga mat chemical" which was only removed after social media outrage,...
by am
Sun Jul 09, 2017 10:12 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 220
Views: 17191

Re: Buying house - Very important decision

What I find interesting around my suburban area is that the median income is around 120k for a household and the median price of single family homes is around 500-600k. Are all these people in way over their heads? I also see many McMansions and other huge houses which are between 1-2 million? Coul...
by am
Sun Jul 09, 2017 10:00 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5015

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

Which of the following ingredients upsets you? "9-GRAIN WHEAT Whole wheat flour, enriched flour (wheat flour, niacin, iron, thiamine mononitrate, riboflavin, folic acid), yeast, sugar , wheat gluten, contains 2% or less of: calcium carbonate, soybean oil, salt, wheat, rye, yellow corn, oats, t...
by am
Sun Jul 09, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 220
Views: 17191

Re: Buying house - Very important decision

I understand everyone, including myself, here are internet strangers. But FWIW, I am dead serious and am asking these questions very honestly. My inexperience may come out as too dumb to believe for y'all experienced ones. It's real simple. Regardless of what rent increases may lie ahead: You can't...
by am
Sun Jul 09, 2017 9:24 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5015

Re: any way to eat healthier at Subway (or any other quick lunch ideas)

tim1999 wrote:Buy better quality breads and name brand meats at a decent supermarket and make your own sandwiches at home to bring to work.


The world health organization has stated that deli meats and other processed meats are carcinogens. Another reason why I am hesitant to make my own deli sandwiches.

https://www.cancer.org/latest-news/worl ... ancer.html
by am
Sun Jul 09, 2017 9:00 am
Forum: Personal Consumer Issues
Topic: any way to eat healthier at Subway (or any other quick lunch ideas)
Replies: 102
Views: 5015

any way to eat healthier at Subway (or any other quick lunch ideas)

I don't have the opportunity at my job to go out for lunch so I have been buying subway subs before work starts for lunch. As I get older I have become more health conscious and I have read some disturbing information on the internet about how unhealthy their food products are and how they use prese...
by am
Sun Jul 09, 2017 8:39 am
Forum: Investing - Help with Personal Investments
Topic: What Vanguard International Index Fund?
Replies: 10
Views: 1013

Re: What Vanguard International Index Fund?

If you think valuations matter, than international offers better expected future returns.
by am
Sat Jul 08, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Any credit cards with good travel insurance and low to no annual fees?
Replies: 5
Views: 484

Any credit cards with good travel insurance and low to no annual fees?

I currently have the chase sapphire reserve mainly for the travel insurance benefits (20k/yr trip cancellation most valuable for us). As the renewal period nears, I was wondering if any one knows of a travel card that offers good insurance without the high fees?
by am
Sun Jul 02, 2017 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Gift tax questions
Replies: 12
Views: 515

Re: Gift tax questions

Gill wrote:They very well may need it in their lifetimes as you discussed in your earlier thread. I'm concerned that you described it as "our inheritance"
Gill



Yes you are right. But if they gifted the money to us, it would be with the understanding that it would be available to them at all times.
by am
Sun Jul 02, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Gift tax questions
Replies: 12
Views: 515

Re: Gift tax questions

My inlaws would like to potentially start gifting portions of their low 7 fig. portfolio to myself and wife. ... Given your other thread on this, https://www.bogleheads.org/forum/viewtopic.php?f=2&t=222442&newpost=3432438, do they want to make gifts, or do you want them to make gifts? Both....
by am
Sun Jul 02, 2017 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Gift tax questions
Replies: 12
Views: 515

Re: Gift tax questions

Correct me if I am wrong, no taxes owed for donor or recipient if gifts have not exceeded current exemption of 5.45 mil?

Also, what kind of trust would have to be created?
by am
Sun Jul 02, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Gift tax questions
Replies: 12
Views: 515

Re: Gift tax questions

So what would be tax consequences of gifting 1 mil to us next yr? What kind of return would have to be filed? Any way to protect money from creditors?
by am
Sun Jul 02, 2017 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Gift tax questions
Replies: 12
Views: 515

Gift tax questions

My inlaws would like to potentially start gifting portions of their low 7 fig. portfolio to myself and wife. Is the max without tax confequences 28k/yr? Or is it 28k to me and 28k to wife?
by am
Sun Jul 02, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid irrevocable trust- any experiences?
Replies: 46
Views: 2269

Re: Medicaid irrevocable trust- any experiences?

So what would you do for your inlaws who have a 1.2 mil portfolio (which is our inheritance)with little chances of needing it for retirement other than long term care? Buy a long term care policy, set up a trust with all or some % of the money, gift parts of it to kids/grandkids over the next few de...
by am
Sun Jul 02, 2017 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Medicaid irrevocable trust- any experiences?
Replies: 46
Views: 2269

Re: Medicaid irrevocable trust- any experiences?

Is it still possible to buy a policy that will cover most future care at the facility of ones choice for as long as needed to avoid using this type of trust? I have heard the LTC market is unstable with increases in premiums.
by am
Sun Jul 02, 2017 9:00 am
Forum: Personal Finance (Not Investing)
Topic: Rules of Thumb - Retirement Savings Multiples Question
Replies: 16
Views: 1998

Re: Rules of Thumb - Retirement Savings Multiples Question

Is it possible these days to buy a policy that will cover future long term care costs as long as they are needed to avoid using this type of trust? I have heard that the LTC market is unstable and premiums are going up.
by am
Sat Jul 01, 2017 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Medicaid irrevocable trust- any experiences?
Replies: 46
Views: 2269

Medicaid irrevocable trust- any experiences?

My inlaws in early 70s have a low 7 figure portfolio which they would like to partially place in an irrevocable trust to gift and to avoid using it it for long term care purposes. Does anyone have any experience with this and the potential downsides? Thanks.
by am
Tue Jun 27, 2017 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: Saving Up for a House Upgrade
Replies: 10
Views: 831

Re: Saving Up for a House Upgrade

Is there any way to make your current house work? Changing houses is expensive. Houses are poor investments. There are many costs in addition to mortgage and some unknowns.
by am
Tue Jun 27, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Go with fidelity index funds or vanguard etfs in retirement account
Replies: 11
Views: 837

Re: Go with fidelity index funds or vanguard etfs in retirement account

Are you sure there's no additional fee just for using the brokerage link? Mine used to be $30 per quarter or something like that at Fidelity. EDIT for spelling/grammar I'm sure it is free been using it for 2 yrs for another account. I am just wondering whether vanguard funds execute their mission b...
by am
Tue Jun 27, 2017 1:48 pm
Forum: Investing - Theory, News & General
Topic: Illinois: A slow swimming black swan?
Replies: 32
Views: 4762

Re: Illinois: A slow swimming black swan?

I am not worried the least bit with my vanguard muni intermed. Fund. I trust that the managers of this active fund will steer it in the right direction. There may be some downside for the entire market in the future but I am a buy and hold type of investor. Now if anyone knows what will happen to th...
by am
Tue Jun 27, 2017 1:35 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected raise while househunting-- should I change my budget?
Replies: 21
Views: 2476

Re: Unexpected raise while househunting-- should I change my budget?

A house costs so much more than the monthly mortgage payment. Buy as little house as you can! You will thank yourself later.
by am
Tue Jun 27, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Go with fidelity index funds or vanguard etfs in retirement account
Replies: 11
Views: 837

Re: Go with fidelity index funds or vanguard etfs in retirement account

No, the fidelity index funds and vanguard etfs would be in brokerage link. The only one time fee would be 4.95 to buy each etf. No additional fees in brokerage link for funds versus etfs.
by am
Tue Jun 27, 2017 10:08 am
Forum: Investing - Help with Personal Investments
Topic: Go with fidelity index funds or vanguard etfs in retirement account
Replies: 11
Views: 837

Re: Go with fidelity index funds or vanguard etfs in retirement account

Expense ratios are the same. Us total market, total international and total us bond for fidelity mutual funds and vanguard etfs.
by am
Tue Jun 27, 2017 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Go with fidelity index funds or vanguard etfs in retirement account
Replies: 11
Views: 837

Go with fidelity index funds or vanguard etfs in retirement account

I have about 100k available for a one time transfer into my workplace 401k. I have the option of either using fidelity index mutual funds or buying vanguard etfs in my fidelity brokerage link account (4.95 per transaction for vanguard etfs). Which would you prefer?
by am
Sun Jun 25, 2017 9:49 pm
Forum: Investing - Theory, News & General
Topic: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry
Replies: 142
Views: 10231

Re: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry

Not sure why all this emphasis on what to do now? Many of us have many years of investing left and go through many types of markets and cycles. We will buy and rebalance shares on the cheap sometimes and other times not. Why not just hold tight since has it has been shown market timing don't work? 2...
by am
Sun Jun 18, 2017 10:34 am
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13718

Re: Anyone else gotten totally bored with investing?

Yes boring. After a decade of participation in this forum, reading finance/investing books and publications and deep thinking, a 3 funder is what I do. Simple, boring, easy. The only thing that I think about is the proportions in my 3 funder. I quickly realize however, that 5-10% changes won't have ...
by am
Thu Jun 15, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 5379

Re: Larry Swedroe: Stocks, Bonds, & Risk

June 2017 is probably one of the worst times to retire in recent memory.Stocks at an all time high with so many global issues and fixed income at pretty much an all time low.Of course I just retired An almost impossible situation for so many.Pick your poison. Stock market is often trading at/near h...
by am
Thu Jun 15, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Stock Market become safer as holding periods lengthen - Maybe just a bias
Replies: 49
Views: 4190

Re: Stock Market become safer as holding periods lengthen - Maybe just a bias

Market returns can be great for your entire working career and then begin a lengthy bear for 9+ yrs just like our recent bull market. There is no safety with increased holding periods. Makes me think that the only way to sleep well is to have your basic expenses covered with ss, pension, fixed incom...
by am
Thu Jun 15, 2017 4:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Stocks, Bonds, & Risk
Replies: 61
Views: 5379

Re: Larry Swedroe: Stocks, Bonds, & Risk

So what is the take away or actionable point? Stock market can crash at any time and stay down for lengthy time periods. Early accumulator- jump up for joy and keep investing Mid accumulator- ? Adjust allocation for this possibility Near retirement and retirement- enough cash/fixed income to support...
by am
Tue Jun 13, 2017 8:06 pm
Forum: Investing - Help with Personal Investments
Topic: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!
Replies: 75
Views: 5796

Re: Another one of those "We are at the peak, crash is coming, how do I invest?" posts!

High valuations can last awhile before a crash. What do we actually know ? There is a market correction every 2 years on average. The average business cycle is about 10 years between crashes. Valuations today are at 90%. In other words only 10% of the time have data watchers observed higher stock v...
by am
Tue Jun 13, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 12970

Re: Bogle Doubles Down on US Index Funds

My main complaint about buying foreign stocks is that it comes with currency risk, yet the market doesn't reward investors for taking on that additional risk. Currency risk is not a risk for long term investors Yea. But doesn't every long term end in a short term? There is a vanguard paper (too laz...
by am
Tue Jun 13, 2017 3:18 pm
Forum: Investing - Theory, News & General
Topic: Bogle Doubles Down on US Index Funds
Replies: 118
Views: 12970

Re: Bogle Doubles Down on US Index Funds

Stormbringer wrote:My main complaint about buying foreign stocks is that it comes with currency risk, yet the market doesn't reward investors for taking on that additional risk.


Currency risk is not a risk for long term investors
by am
Wed Jun 07, 2017 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Amex [Platinum card fee increasing to $550]
Replies: 9
Views: 1733

Re: Amex

Can anyone suggest the best value for 100,000 Amex points MR points that we recently got? We usually get gift cards for restaurants but wanted any other ideas?
by am
Mon Jun 05, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: New Milestone
Replies: 44
Views: 4535

Re: New Milestone

Zillow aside, congrats!!! I was over 50 when I got a second comma for net worth (I use what might be considered excessively conservative estimates for real estate value though). At barely 53 I've yet to get my second comma for financial assets alone, hopeful of getting there by 55 though as I'm les...
by am
Mon Jun 05, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: New Milestone
Replies: 44
Views: 4535

Re: New Milestone

Congratulations. Well Done. Net Worth is Net Worth. Of course you include the estimated value of your house minus mortgage(I always subtract 6% for realtor cost as well). I think net worth is the most important number I track. Because I know that this "nest egg" will generate monies in my...