Search found 112 matches

by BYUvol
Thu Mar 09, 2017 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Second opinion on inheritance tax question
Replies: 7
Views: 1061

Re: Second opinion on inheritance tax question

I'm not persuaded by the "short window." It wouldn't have taken any more time to have prepared a Will with a trust for the fourth one (or, better yet, a Will with trusts for each one, just with the first three getting to control their trusts but the fourth one not controlling his/her trust) than to...
by BYUvol
Thu Mar 09, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Second opinion on inheritance tax question
Replies: 7
Views: 1061

Re: Second opinion on inheritance tax question

Is it possible that the first three could each disclaim a portion of their inheritance (prior to receiving it) that would then fall to the fourth by default? That way it wouldn't ever pass through their estates. This is an interesting idea that I was not aware of as a possibility. Definitely someth...
by BYUvol
Thu Mar 09, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Second opinion on inheritance tax question
Replies: 7
Views: 1061

Second opinion on inheritance tax question

A family member recently passed in Oklahoma who had 4 children. The oldest 3 are responsible and capable adults, but the youngest has many legal, emotional, and mental challenges. When the family member passed, their will directed the 3 oldest to each receive 1/3 of the estate and each fund a portio...
by BYUvol
Wed Jul 02, 2014 3:21 pm
Forum: Personal Consumer Issues
Topic: How risky is https: over public wi-fi?
Replies: 15
Views: 2996

Re: How risky is https: over public wi-fi?

BYUVol: with https, only the domain part of the URL is visible to an attacker. The rest is already encrypted. Same for cookies, at least for sites that take their security seriously like gmail and facebook (the latter has been more lax at times in the past). Bogleheads sessions are exposed but argu...
by BYUvol
Wed Jul 02, 2014 2:21 pm
Forum: Personal Consumer Issues
Topic: How risky is https: over public wi-fi?
Replies: 15
Views: 2996

Re: How risky is https: over public wi-fi?

I ALWAYS use a VPN when accessing the internet through a router I don't have administrative access to. The primary danger, in my estimation, of using public wifi is the amount of data leakage that can be passed through the URL, disclosing a lot more info than you would think. The secondary danger ar...
by BYUvol
Fri Sep 06, 2013 2:16 pm
Forum: Personal Finance (Not Investing)
Topic: Am I gonna Live or Die, make up your mind !
Replies: 10
Views: 2219

Re: Am I gonna Live or Die, make up your mind !

Living to 100 is a realistic possibility for millions of Americans. For most of today's retirees and near-retirees, living to 100 is still fairly unlikely If only there was another group, millions strong, who were neither retirees nor near-retirees. Apparently there are about 4 million babies born ...
by BYUvol
Wed Aug 14, 2013 2:17 pm
Forum: Investing - Theory, News & General
Topic: Has anyone used Ascensus for 401K admin?
Replies: 9
Views: 2566

Re: Has anyone used Ascensus for 401K admin?

I will say that I'm not the biggest fan of their online interface, run through PlanServices.com (Ascensus' site). We have Ascensus manage our plan offered by Merrill Lynch. They frequently make small changes to their site which breaks communication with Mint.com. I'm one of those people that uses M...
by BYUvol
Wed May 29, 2013 1:21 pm
Forum: Personal Consumer Issues
Topic: Park City, Utah VACATION !! Any Suggestions??
Replies: 5
Views: 672

Re: Park City, Utah VACATION !! Any Suggestions??

Unless you have an activity planned (skiiing or the sundance film festival for instance), you're going to blow through the sites at Park City pretty quickly. Mid-October is an awkward time temperature wise where it is equally likely to be snowing or 75 degrees, so most high-altitude parks close in e...
by BYUvol
Fri Mar 29, 2013 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Indexes and Diversification question
Replies: 6
Views: 681

Re: Small Cap Indexes and Diversification question

What you have is a great strategy, until it isn't.
by BYUvol
Sun Mar 17, 2013 1:25 pm
Forum: Personal Consumer Issues
Topic: 2013. CR-V or RAV4.
Replies: 7
Views: 1625

Re: 2013. CR-V or RAV4.

I really like Honda's maintenance minder. I'm not sure if Toyota has something similar, but I like being reminded when its due for scheduled maintenance and oil changes without needing to crack open the manual. That feature on our Civic is reason enough for me to give first chance to Honda for our n...
by BYUvol
Sat Mar 02, 2013 12:34 am
Forum: Investing - Theory, News & General
Topic: Good quote from Berkshire Report
Replies: 4
Views: 1019

Re: Good quote from Berkshire Report

If Berkshire would guarantee my losses on that call, I'd take him up on it. But it wouldn't; his reassurance is a farce. Telling businesses to throw caution to the wind, uncertainty or no, is irresponsible. Of course the target audience of that little ditty wasn't really CEOs. JT If you wanted to m...
by BYUvol
Fri Mar 01, 2013 5:49 pm
Forum: Investing - Theory, News & General
Topic: Good quote from Berkshire Report
Replies: 4
Views: 1019

Re: Good quote from Berkshire Report

Since the basic game is so favorable, Charlie and I believe it’s a terrible mistake to try to dance in and out of it based upon the turn of tarot cards, the predictions of “experts,” or the ebb and flow of business activity. The risks of being out of the game are huge compared to the risks of being...
by BYUvol
Tue Feb 19, 2013 1:18 pm
Forum: Personal Consumer Issues
Topic: Ready to buy a house....
Replies: 58
Views: 7658

Re: Ready to buy a house....

Have always rented. My wife and I are ready to buy a house. Any hints or thoughts from those who have bought a house? Things you wish you would have known? Would have done differently in hindsight? Good interest rate websites? Buying points? I know this is vague. Any info is appreciated. Thanks Xra...
by BYUvol
Sun Feb 17, 2013 5:52 pm
Forum: Investing - Theory, News & General
Topic: TF ER's when international bond kicks in?
Replies: 2
Views: 363

Re: TF ER's when international bond kicks in?

This may have been discussed previously, but is it expected for the Target Retirement and Life Strategy ER's to remain the same or increase when the international bonds portion kicks in? Thank you :beer I suppose it depends on the ER of the International Bond Fund. Do we know that yet? Keith https:...
by BYUvol
Fri Feb 15, 2013 4:40 pm
Forum: Investing - Theory, News & General
Topic: The end of an investing era (Market Watch article)
Replies: 13
Views: 2690

Re: Purpose of investing.

BYU: I'm one of those people that enjoys finding enjoyment in non-mainstream activities. In my opinion, investing is not for enjoyment, it is for reaching our financial goals. When we are out of step in the parade, it's probably worthwhile to reconsider what we are doing. Best wishes. Taylor Some p...
by BYUvol
Fri Feb 15, 2013 3:20 pm
Forum: Investing - Theory, News & General
Topic: The end of an investing era (Market Watch article)
Replies: 13
Views: 2690

The end of an investing era (Market Watch article)

I found this article interesting. http://www.marketwatch.com/story/the-end-of-an-investing-era-2013-02-15?pagenumber=1 Of particular note was this paragraph, emphasis is mine: The research on individual stock ownership is voluminous and overwhelmingly damning. Just one example: Brad Barber and Terra...
by BYUvol
Mon Oct 22, 2012 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Risk Potential" for Mass Muni Fund
Replies: 3
Views: 820

Re: Vanguard "Risk Potential" for Mass Muni Fund

As most of you know, Vanguard rates funds for their "risk potential" on a scale of 1-5. The Massachusetts Tax-Exempt Fund is rated as a 3 on this scale. This is the same risk rating it gives to 60/40 balanced funds. It seems to me that this muni fund, with mostly AAA and AA rated bonds and a 6 year...
by BYUvol
Thu Oct 04, 2012 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: How much do valuations matter to you? US vs Intl stocks
Replies: 17
Views: 1417

Re: How much do valuations matter to you? US vs Intl stocks

In order to make money in that fund, is it essential to buy during the notches? Isn't it good enough to buy at any old time and just wait a reasonable length of time before selling? Do you think anyone, including those who subscribe to inefficient markets, would be compelled by the lack of notches ...
by BYUvol
Thu Oct 04, 2012 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: PIMCO Foreign Bond USD Hedged
Replies: 5
Views: 703

Re: PIMCO Foreign Bond USD Hedged

What do you guys use for International Bond exposure? From what I can find there are no passive funds that hedge against currency risk. PIMCO has an international bond fund that does but it is an active fund. Does anyone use this? Any thoughts about this fund? Thanks for your replies. I use FGBRX (...
by BYUvol
Thu Oct 04, 2012 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Previously owned home papers
Replies: 7
Views: 1071

Re: Previously owned home papers

The only ones I would keep are the satisfaction or release (depending on state) that were recorded indicating you are no longer responsible for the mortgage payments and the deed to indicate you are no longer responsible for taxes or liability concerns. You could safely trash those after a few years...
by BYUvol
Thu Oct 04, 2012 11:25 am
Forum: Investing - Help with Personal Investments
Topic: markets are heading up
Replies: 11
Views: 1485

Re: markets are heading up

Value is in the eyes of the beholder. If you are going solely off of price/book or price/earnings, European bank stocks are a "value" right now.
by BYUvol
Tue Sep 25, 2012 6:37 pm
Forum: Investing - Theory, News & General
Topic: The Glidepath Illusion (it doesn't work)
Replies: 133
Views: 13851

Re: The Glidepath Illusion (it doesn't work)

Interesting article by Rob Arnott concludes you're probably better off maintaining a static allocation to stocks and bonds instead of investing in a Target Date fund. Young adults should buy stocks; mature adults should favor bonds. Or so we’re taught. It makes intuitive sense. Young people have mo...
by BYUvol
Tue Sep 25, 2012 2:30 pm
Forum: Personal Consumer Issues
Topic: Apple Experts: Macbook Air vs Pro to run Parallels/Quicken?
Replies: 34
Views: 4496

Re: Apple Experts: Macbook Air vs Pro to run Parallels/Quick

I am relatively new to the Apple world and am using a Macbook Air 2011 with 4 GB of RAM. To use quicken, I have to allocate 1.5 GB to a virtual Windows machine; leaving only 2.5 GB for the Mac OS. Parallels and Windows take too long to load. My machine is mostly docked or used in a condo (not for t...
by BYUvol
Tue Sep 25, 2012 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Some off the Table?
Replies: 69
Views: 7663

Re: Taking Some off the Table?

I thought this article from Money Mag (via fidelity) was (almost) timely: https://news.fidelity.com/news/article.jhtml?guid=/FidelityNewsPage/pages/when-to-take-money-off-table Thanks for sharing that! This part actually helped me conceptualize this: So you haven't really taken anything "off the ta...
by BYUvol
Thu Sep 20, 2012 1:33 pm
Forum: Personal Consumer Issues
Topic: UPS shipment notice scam
Replies: 14
Views: 2340

Re: UPS shipment notice scam

I keep getting an apparently fraudulent email from "UPS Support" with the subject title "UPS shipment status ID#12584". GMail puts it into the spam folder, and I have no knowledge of any actual UPS shipment to me. This seems like it would be a tempting and effective spam (or worse) email that most ...
by BYUvol
Tue Sep 18, 2012 11:08 pm
Forum: Investing - Help with Personal Investments
Topic: Why are I bonds rates higher than CD rates
Replies: 8
Views: 1781

Re: Why are I bonds rates higher than CD rates

How does I bonds yield so much almost 1.5 percent higher than CD rates while the risk is almost the same. The CD rates are backed by FDIC which is full faith of US government which is pretty much same as the I-bonds. Any reasons for this disparity. Also feel free to add any inputs to my assumption ...
by BYUvol
Fri Sep 14, 2012 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage Note in Hand post payoff Question.
Replies: 8
Views: 1506

Re: Mortgage Note in Hand post payoff Question.

The instrument that matters is the one in your county's public records. Because our land records system has been in existence since before the postal service, most states have some rather "magical" statutes. For instance, when a document is recorded with the county, the "original" document is no lo...
by BYUvol
Thu Sep 13, 2012 3:54 pm
Forum: Investing - Theory, News & General
Topic: Mass adoption of index investing = diminished returns?
Replies: 5
Views: 954

Re: Mass adoption of index investing = diminished returns?

Don't they say in investing that you get diminishing returns for the greater number of people using the same investing approach? Let's say that 100% of institutional and at home investors eventually flock to index investing. Would this in effect make the approach completely redundant? I'm not sugge...
by BYUvol
Thu Sep 13, 2012 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Note in Hand post payoff Question.
Replies: 8
Views: 1506

Re: Mortgage Note in Hand post payoff Question.

The instrument that matters is the one in your county's public records. Because our land records system has been in existence since before the postal service, most states have some rather "magical" statutes. For instance, when a document is recorded with the county, the "original" document is no lon...
by BYUvol
Thu Sep 13, 2012 10:17 am
Forum: Investing - Theory, News & General
Topic: "New global research on Graham / Shiller..."
Replies: 3
Views: 824

Re: "New global research on Graham / Shiller..."

Question: Is this stuff valid? Sure, it has some Face Validity . The major problem I have, is even if CAPE does have some reliability with LONG TERM , using that to predict "real returns on local equity markets over the next five to ten years" seems silly. Over a period of 5 to 10 years, the market...
by BYUvol
Mon Sep 10, 2012 2:58 pm
Forum: Personal Consumer Issues
Topic: Cloud Based PBX
Replies: 5
Views: 932

Re: Cloud Based PBX

I'm certainly no expert, but we ditched an expensive Cisco setup for this: http://www.asterisk.org/ Our primary goal was to avoid the "maintenance" licenses that Cisco forces you into, with the savings each of our 50+ employees got their own personal external number. We are using all the same hardwa...
by BYUvol
Fri Sep 07, 2012 8:48 am
Forum: Investing - Theory, News & General
Topic: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 2012
Replies: 136
Views: 15518

Re: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 201

Alot of Bogleheads say backtesting has little benefit, so maybe Ray was a true Boglehead after all. Moral of the story: If you are going to be an advisor, do lots of things you don't truly believe in to cover your own tail. *Edit* 2nd moral: Honesty and transparency are good business practices in th...
by BYUvol
Thu Sep 06, 2012 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Took a Tad Off the Table
Replies: 24
Views: 4294

Re: Took a Tad Off the Table

I'm just trying to figure out how this is a winning strategy, to miss 2/3 of the run up in stocks so far this year. It is one thing if you don't need to take risk, but another if you are just frankly timing the markets (and thus far, not very well I might add :D ). This is his play money, let him h...
by BYUvol
Thu Sep 06, 2012 10:59 am
Forum: Personal Consumer Issues
Topic: Windows 8 on old computer
Replies: 11
Views: 1111

Re: Windows 8 on old computer

I had Windows 8 RTM on a laptop for a couple days. I couldn't get used to it. I'm a "power user", and the interface kept getting in the way. The first things I did were to make a shortcut to cmd.exe and control panel on the desktop. I'm not a big fan of mouse gestures, which it relies heavily on.
by BYUvol
Thu Sep 06, 2012 10:46 am
Forum: Personal Consumer Issues
Topic: Folding bike
Replies: 22
Views: 2334

Re: Folding bike

My wife used this for 6 months until we could afford a second car.
http://www.amazon.com/gp/product/B001UL5MQU/

I drove her to the bus stop with that in our trunk, then she rode it home from the bus stop, since I had to work well after she got to the bus stop. She hated the thing.
by BYUvol
Wed Sep 05, 2012 10:56 am
Forum: Forum Issues and Administration
Topic: hijacker (PWM) - READ THIS
Replies: 130
Views: 13418

Re: hijacker (PWM) - READ THIS

My worry is what happens next. A denial of service attack? I'm not sure what steps he's taken to mask his IP, but LastPass has a way to prevent connections from TOR nodes (its a setting you can enable). Perhaps there is an easy way to implement this, without manually blacklisting known TOR nodes. M...
by BYUvol
Sun Aug 12, 2012 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Oil Well Investing - Anyone dabble in this?
Replies: 41
Views: 4435

Re: Oil Well Investing - Anyone dabble in this?

Nathan Drake wrote:Seems too good to be true
You already know the answer. With $10k net income it would pay back in 20 months, investments that nice don't exist. Sounds like the wells are about to dry up.
by BYUvol
Fri Aug 10, 2012 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Many die with almost no financial assets
Replies: 20
Views: 2994

Re: Many die with almost no financial assets

I don't know whether to be happy for them - they didn't leave anything on the table on the way out the door - or sad. It doesn't matter if you are Athiest, Agnostic, Christian, Jew, Muslim... No one believes those people, who are dead, have any use for their assets after expiration, so I don't thin...
by BYUvol
Thu Jul 26, 2012 10:17 pm
Forum: Personal Consumer Issues
Topic: Google Fiber
Replies: 42
Views: 5104

Re: Google Fiber

Wow!! Can't wait until I get this in my neighborhood. "Google Fiber starts with a connection speed 100 times faster than today's average broadband. Instant downloads. Crystal clear HD. And endless possibilities. It's not just TV. And it's not just Internet. It's Google Fiber. " https://fiber.google...
by BYUvol
Sun Jul 15, 2012 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Efficient Data Plan/cell phone
Replies: 34
Views: 4606

Re: Efficient Data Plan/cell phone

Heya Guys, I was curious what savings ideas for data plans y'all have? I'm finding that I spend over $1,000 a year for two phones (iphones) with data plans. I do get a nice $10/month discount on my internet. I'm up for even switching networks. :sharebeer If you already have ATT iPhones, and just wa...
by BYUvol
Fri Jul 13, 2012 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: Preventing Junk Mail after a refinance
Replies: 4
Views: 683

Re: Preventing Junk Mail after a refinance

Where I live, mortgages are recorded by the County Recorder and are available on-line for anyone who cares to look. It is a public record. Jeff Like Jeff said, its all part of public record, nothing you can do about it. I try to maintain a positive attitude, so I look at it as my refi is doing its ...
by BYUvol
Fri Jul 13, 2012 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Rep asked security question
Replies: 70
Views: 10806

Re: Vanguard Rep asked security question

The link describes why I said banks are very very very secure, and not impenetrable. Security firms have said the attackers had an "insider level of understanding". Like I said in my first post, you would need internal access to the databases. Banks in the US are required to have insurance to cover...
by BYUvol
Fri Jul 13, 2012 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Rep asked security question
Replies: 70
Views: 10806

Re: Vanguard Rep asked security question

Of course, it is and always be a personal level of trust and comfort as to what one will accept, but, when I read things like this I have to wonder: http://news.sky.com/story/952931/fraud-ring-in-hacking-attack-on-60-banks Just sayin... As I think BYUvol appreciates, the breakins at eHarmony and Li...
by BYUvol
Fri Jul 13, 2012 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Rep asked security question
Replies: 70
Views: 10806

Re: Vanguard Rep asked security question

I think you are making this out to be a bigger problem than it is. 1) They asked for his security question, not password. 2) It was Fidelity who asked for the password, and that was years ago, things have changed. 3) To quote Lord of the Rings, "One does not simply stroll into Mordor." Some script ...
by BYUvol
Fri Jul 13, 2012 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Rep asked security question
Replies: 70
Views: 10806

Re: Vanguard Rep asked security question

He called me to discuss my account. The reason he called was because he is my new account representative, he said. He wanted to introduce himself and just wanted to know if I had any questions. He gave me some information regarding what was available to me at Vanguard, etc. I did have second though...
by BYUvol
Thu Jul 12, 2012 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is elementary private school education worth the price?
Replies: 104
Views: 9697

Re: Elementary private school education a scam??

My sister has paid a pretty penny to have her daughter educated at a Montessori school, but it is probably worth the added cost. My niece is, high-energy, and would likely not conform well to expected behavior in public schools (sitting at a desk for 30-45 minutes at a time).
by BYUvol
Thu Jul 12, 2012 12:25 pm
Forum: Investing - Theory, News & General
Topic: Top Ten Mutual Funds
Replies: 9
Views: 3051

Re: Top Ten Mutual Funds

Looks more like you should buy ones in the bottom 20%. Brian If you notice, these are mainly sector bets. The sectors performed poorly in the past, which increased their future expected returns. I would not recommend buying a bio-tech fund that is currently in the bottom 20%, as that COULD be an in...
by BYUvol
Thu Jul 12, 2012 12:21 pm
Forum: Personal Consumer Issues
Topic: Any bogleheads have a franchise?
Replies: 18
Views: 3648

Re: Any bogleheads have a franchise?

What happens if you own a franchise and the parent company goes under? It depends on the franchise, but of the instances I personally know of, franchisees are still allowed to operate under the name, they just no longer pay royalties, and have to procure their own ingredients. The one I specificall...
by BYUvol
Thu Jul 12, 2012 12:10 pm
Forum: Investing - Theory, News & General
Topic: 3rd California city in 2 weeks files for bankruptcy
Replies: 60
Views: 6104

Re: 3rd California city in 2 weeks files for bankruptcy

Bogleheads: I read this on CNBC News this morning: San Bernardino becomes 3rd Calif. city in 2 weeks to file for bankruptcy protection It is dangerous to own a portfolio with a large percentage in single-state bonds. Best wishes. Taylor IMHO, I think this thread borders on the politics side... Pote...