Search found 5948 matches

by stan1
Tue Nov 13, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Won a lawsuit after a wrongful death in the family. How to invest?
Replies: 18
Views: 3034

Re: Won a lawsuit after a wrongful death in the family. How to invest?

Congratulations on your graduation and completion of military service! I think you are going about this the right way and have it figured out. That sum of money will be life changing for you and your heirs if you manage it with discipline. Choosing the right investments is relatively easy: look into...
by stan1
Mon Nov 12, 2018 7:18 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1481

Re: Would you invest CC cashback into market??

Agreed. Pulled it. left 1K for GC purpose.. They do have staples, sears, Tjmaxx etc for 20 - 25% off all the time. Cant believe discover paid me 6K for using their CC for 10 years... I mostly stopped using my Discover card years ago because the 1% rewards were not competitive. I do try to remember ...
by stan1
Mon Nov 12, 2018 6:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 58
Views: 5060

Re: Vanguard investor class shares on their way out?

I'd guess that young investors are using ETFs, some people are converting their investor shares to ETFs, and others are bringing their balances above $10K. Converting to another share class would drop investor share assets. I'm not sure how this would harm existing investor share holders? Vanguard i...
by stan1
Mon Nov 12, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Would you invest CC cashback into market??
Replies: 32
Views: 1481

Re: Would you invest CC cashback into market??

I was hoarding it to use it on gift cards which come at 20% discount. I used to do this but I haven't seen such an offer from my credit card providers on a gift card I would use in many years. I have no use for an Omaha Steaks or 1800Flowers gift card which is just about the only discounted gift ca...
by stan1
Mon Nov 12, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Using Growth funds for tax efficiency? [Ukraine]
Replies: 6
Views: 379

Re: Using Growth funds for tax efficiency? [Ukraine]

Are you a US citizen, Ukrainian citizen or other? How long do you expect you'll be a resident of Ukraine?
by stan1
Mon Nov 12, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Prepaying for Rental Car - Availability Guaranteed?
Replies: 21
Views: 1124

Re: Prepaying for Rental Car - Availability Guaranteed?

Because it seems like a significant portion of the people I know have a story about being stranded without a car because the rental company overbooked, and I assume if I'm going to get bit by this risk, a popular travel time like a holiday is when it will happen. I don't expect it as more likely th...
by stan1
Mon Nov 12, 2018 10:11 am
Forum: Personal Consumer Issues
Topic: Still spending too much on non-essentials
Replies: 38
Views: 2388

Re: Still spending too much on non-essentials

I developed a grocery shopping strategy decades ago to stay out of the cookie and ice cream aisles. I like both but if I am tempted in the store and buy them of course I will eat them rapidly at home. My spouse does shop in those aisles but fortunately he buys Fig Newtons which I won't eat. It may n...
by stan1
Mon Nov 12, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: why so few 50/50 balanced funds?
Replies: 21
Views: 2494

Re: why so few 50/50 balanced funds?

Managed Payout is a unique fund intended to support a long term 4% withdrawal rate as an alternative to an annuity. It may hold commodities and use hedging strategies (long/short). It may return capital as well as dividends. It has a high expense ratio of 0.34% by Vanguard standards but for this typ...
by stan1
Mon Nov 12, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: How long have you had, or did you have, your HP-12C calculator?
Replies: 72
Views: 2668

Re: How long have you had, or did you have, your HP-12C calculator?

Also about 33 years for my 11C I think. I expect it will last the rest of my life.
by stan1
Sun Nov 11, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: Can you suggest where to live if work at UCLA
Replies: 40
Views: 3051

Re: Can you suggest where to live if work at UCLA

I have a potential job at UCLA but I am not familiar with the area. If you were moving to this area, where would you look if you wanted to buy a home? What neighborhoods are good/safe/decent places to live? Can you tell me anything I need to know in terms of areas to look and areas to avoid and any...
by stan1
Sun Nov 11, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: What's Your Fixed Income Strategy?
Replies: 89
Views: 8568

Re: What's Your Fixed Income Strategy?

I like the idea of getting income from dividends rather than selling assets but not sure if that's a standard practice. Some people on this board want to retire with investments valued at 30-50 times their annual expenses so for them living on dividends from bonds and equities comes pretty close es...
by stan1
Sun Nov 11, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund in my situation
Replies: 17
Views: 1546

Re: Emergency fund in my situation

Here's what we did. After maxing our 401K and IRA contributions each year we made first one then eventually two extra mortgage principal payments each year. This was easy because we get paid bi-weekly so the extra payment towards principal lined up with the months we got three paychecks. Simultaneou...
by stan1
Sun Nov 11, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Best city car
Replies: 19
Views: 1698

Re: Best city car

Do you mean city or suburbs? One key difference being the need to squeeze into hard to find on street parallel parking spaces and compact only spaces in a parking garage. One nice feature to have for sitting at stop lights is a brake that locks so you can take your foot off the pedal. Sedans have fa...
by stan1
Sun Nov 11, 2018 10:21 am
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 110
Views: 4714

Re: Roth vs. Traditional 401k

One other data point. What is your state tax rate? Higher state taxes may give more push to the Traditional 401K to get the immediate benefit. There's no right or wrong answer because you won't know what the right decision was for decades. You have no control over future tax rates, inflation, or rat...
by stan1
Sun Nov 11, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Diversification Regret
Replies: 114
Views: 12985

Re: Diversification Regret

We're back to the basics but there are a lot of people who I respect chiming in on this thread. For Total Stock Market ETF as of 9/30/2018 the Top 10 holdings make up 18.7% of total assets. Those companies are: Apple, Microsoft, Amazon, Alphabet, Berkshire Hathaway, Facebook, JP Morgan Chase, Johnso...
by stan1
Sat Nov 10, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Admiral share class for total world stock
Replies: 21
Views: 1780

Re: Admiral share class for total world stock

jibantik wrote:
Sat Nov 10, 2018 8:47 pm

$1900 every year compounded over an investment lifetime is actually quite a bit. Assuming Smartvestor pro returns of 12%, over 40 years, $1900 dollars invested annualy is equivalent to 1.6 million dollars.
12% per year over 40 years? Good luck with that!
by stan1
Sat Nov 10, 2018 7:43 pm
Forum: Investing - Theory, News & General
Topic: Evaluating placement of international funds using actual data
Replies: 6
Views: 479

Re: Evaluating placement of international funds using actual data

One way to look at it is: "if I didn't have international in taxable what would I put there?" "and if I didn't have international in Roth IRA what would I put there?" The answers to those questions push me back to putting more Total International into taxable. You can plug in your numbers but whatev...
by stan1
Sat Nov 10, 2018 4:16 pm
Forum: Personal Consumer Issues
Topic: International Travel during Maternity/Paternity
Replies: 86
Views: 3297

Re: International Travel during Maternity/Paternity

I'd try to give yourself some flexibility. It might work out just fine, but maybe you'll want to return home sooner than expected.
by stan1
Sat Nov 10, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: A few asset allocation questions
Replies: 10
Views: 995

Re: A few asset allocation questions

Should my grandfather‘s opinion hold more weight than my father’s because he was alive in 1929? Should my fathers opinion hold more weight than my grandfather’s because he is alive today and his view may be more relevant to the present time period? Maybe equal weight! Since your dad was born in 193...
by stan1
Sat Nov 10, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Admiral share class for total world stock
Replies: 21
Views: 1780

Re: Admiral share class for total world stock

Anyone have a guess as to when an admiral share class for this fund (VTWSX) might become available? Is it tied to reaching a certain threshold in total net assets? The current total net assets are almost $17b. I don't like paying more than 10 bp for any index fund. Thanks. Currently $15.1B of the $...
by stan1
Fri Nov 09, 2018 8:44 am
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4642

Re: Do you prefer etfs or mutual funds?

I’m only 21 and have a long way to go. I know I don’t know everything. Any tips and pointers for the youngster? Any reason why index mutual funds are better than etfs? In a taxable account only ETFs so you can move to another brokerage. You are 21 and hopefully have another 80 or more years of inve...
by stan1
Fri Nov 09, 2018 8:29 am
Forum: Personal Consumer Issues
Topic: Point and shoot camera
Replies: 107
Views: 4073

Re: Point and shoot camera

The phone can take very nice photos, but I am used to the feel of a camera, even a small one, and the phone is awkward for me to use. No doubt people who started with a phone camera find the original odd. I understand how you feel, but I'd just offer some internet "tough love" with the possibility ...
by stan1
Mon Nov 05, 2018 7:54 am
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5958

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

I would wait for the new 3-series which was just introduced. It looks like it has pretty much everything that makes the 5-series so great, but at a more reasonable size and less weight. I love the 5-series, but these cars are a bit too large now and not quite nimble-enough. I would take a serious l...
by stan1
Mon Nov 05, 2018 7:42 am
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2269

Re: Anyone with an Audi A3, Sport hatchback e-tron?

There's also the Kia Niro Plug-in Hybrid but that may have a few too many compromises. There's also a Mercedes GLC350e which might give you the comfort and lower noise you are looking for.
by stan1
Sun Nov 04, 2018 7:36 pm
Forum: Investing - Theory, News & General
Topic: Is Small Value Still A Winner?
Replies: 96
Views: 6907

Re: Is Small Value Still A Winner?

I believe there are more than 100 mega cap companies worth investing in. S&P 500 and TSM hold trivial amounts of companies beneath the Top 100 capitalizations. Back in the day actively managed funds like PRIMECAP, Capital Opportunity, Windsor and Wellington were how I would have done it. Boglehead r...
by stan1
Sun Nov 04, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5958

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

did you have any concerns about driving a medium size car (series 5 vs. Series 3)in Europe? Parking, driving in cities, etc? I would not do a European Delivery to focus on travel to large cities. A car is a hassle in any European city. Instead focus on the German, Swiss, Austrian, and Northern Ital...
by stan1
Sun Nov 04, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5958

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

did you have any concerns about driving a medium size car (series 5 vs. Series 3)in Europe? Parking, driving in cities, etc? I would not do a European Delivery to focus on travel to large cities. A car is a hassle in any European city. Instead focus on the German, Swiss, Austrian, and Northern Ital...
by stan1
Sun Nov 04, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Teaching kids there is an ample amount of money
Replies: 108
Views: 7938

Re: Teaching kids there is ample amount of money

I'd tell them "we are just like everyone else" and do my best to live our lives that way. Then when they are in high school I'd tell them "I'll pay for college but I'm going to spend the rest of it myself". Once college is done you can pay for graduate school, a wedding, and help with a down payment...
by stan1
Sun Nov 04, 2018 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5886

Re: Deal fell through and didn't get escrow money.....

I am surprised that the sellers would accept 1% of the sales price as the earnest money. That indicates to me that the buyer is not that serious and could easily walk away from that money, should the deal go sour (for any number of reasons, not just because their old house didn't sell). Earnest mon...
by stan1
Sun Nov 04, 2018 12:24 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 5958

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

As far as European Delivery goes I did it in 2010 with a 3 series. It was great experience at the Welt. I drove the car for four days along the Deutsche Alpenstrasse (and in retrospect was quite lucky I didn't get any very expensive speeding tickets). I picked the car up in early April so there was ...
by stan1
Sun Nov 04, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Thoughts on the New Macbook Air?
Replies: 70
Views: 3986

Re: Thoughts on the New Macbook Air?

If you use the laptop primarily with a full size USB or bluetooth wireless keyboard and an external monitor the butterfly mechanism may be less of an issue. I was never a fan of the keyboard on my 2013 11" MacBook Air that I'm looking to replace within a few months (frequent spinning beach balls and...
by stan1
Sun Nov 04, 2018 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Deal fell through and didn't get escrow money.....
Replies: 56
Views: 5886

Re: Deal fell through and didn't get escrow money.....

As a seller I'd have to be in pretty dire straits to accept an offer from a buyer that was contingent upon sale of their existing home. I definitely wouldn't accept such an offer if my house hadn't been on the market for at least 60 to 90 days without a better offer. I'd also expect the contingent b...
by stan1
Sat Nov 03, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Please help me with my car decision
Replies: 42
Views: 3388

Re: Please help me with my car decision

Seems like Uber and Enterprise (car rental) would solve most of your problems. Use some of your $ to pay for convenience and quality of life.
by stan1
Sat Nov 03, 2018 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient fund placement
Replies: 8
Views: 774

Re: Tax-efficient fund placement

Some things you could do (and you could do several of these): Buy treasury bonds in a taxable account. Treasury interest can not be taxed by states. Buy municipal bond funds in a taxable account (national or state). Buy CDs or total bond in a taxable account and pay the taxes due on dividends/intere...
by stan1
Thu Nov 01, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Think I have found my new commuter car - 2019 Honda Insight
Replies: 44
Views: 4650

Re: Think I have found my new commuter car - 2019 Honda Insight

The Insight has a nicer interior trim (seats, infotainment) than the Civic. I would have bought one when I was shopping in September but dealership sold me an Accord 2.0 EX-L for $4000 off MSRP. I actually would have preferred the smaller car for commuting but couldn't pass up the deal on the Accord...
by stan1
Thu Nov 01, 2018 6:44 pm
Forum: Personal Consumer Issues
Topic: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage
Replies: 14
Views: 1286

Re: Federal Employees Dental and Vision Insurance Program (FEDVIP) dental coverage

You have to assess your personal dental needs. For 29 of the past 30 years I've only had routine cleaning and xrays. For me the insurance would not have paid off. Also my dentist is not in any of the networks. Therefore I self insure.
by stan1
Thu Nov 01, 2018 6:36 pm
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2300

Re: Europe Trip

One of the great things about London is that in addition to the many interesting sites in the city there are many day trips which can all be taken by train and walking with a few exceptions. It means there's a lot to do using London as a base even for two or three weeks if you are a little adventuro...
by stan1
Thu Nov 01, 2018 7:45 am
Forum: Investing - Help with Personal Investments
Topic: FZILX or IXUS
Replies: 3
Views: 346

Re: FZILX or IXUS

At this point I still use mutual funds in my IRA accounts (unless there is a Vanguard purchase fee) because its a little easier to buy in dollars instead of shares but I only buy ETFs in my taxable account. Reason is ease of portability to a different brokerage if desired plus availability of more s...
by stan1
Thu Nov 01, 2018 7:17 am
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2300

Re: Europe Trip

Late September to early November is often good, as is late April to early June. There's a higher risk of rain (sometimes realized, sometimes not) but the heat and crowds of summer make visiting these places very uncomfortable for me and I accept that risk. Most tourists in London/Paris are not Ameri...
by stan1
Wed Oct 31, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Thanksgiving vacation suggestions
Replies: 9
Views: 1229

Re: Thanksgiving vacation suggestions

Tahoe, Reno, Mendocino, Napa Wine Country, Point Reyes, Yosemite, Monterey, Big Sur, San Luis Obispo, Morro Bay/San Simeon .... many good choices for a few days away from home. Just pick one you haven't been to.
by stan1
Wed Oct 31, 2018 8:13 pm
Forum: Investing - Theory, News & General
Topic: Core-4 Investing is LIVE! It really is this time!
Replies: 123
Views: 8835

Re: Core-4 Investing is LIVE! It really is this time!

To start we can refer the many people posting here right now looking for tax loss harvest pairs to this new site. Best wishes on the new business, Rick, I hope you can lead the charge in changing the traditional advisor business model into one where transparency and investor education prevail over c...
by stan1
Wed Oct 31, 2018 7:53 am
Forum: Personal Consumer Issues
Topic: 2019 Subaru Outback 2.5 vs 3.6
Replies: 43
Views: 4592

Re: 2019 Subaru Outback 2.5 vs 3.6

Some people are OK with 0-60 acceleration in the 9 second range. Others are not. Some people see slow acceleration as a safety feature. Others see slow acceleration as a hazard. You know which group you are in.
by stan1
Wed Oct 31, 2018 7:32 am
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 67
Views: 3327

Re: Planning first international trip - London/Paris

Valuethinker wrote:
Wed Oct 31, 2018 7:28 am

Unfortunately the Elizabeth Line (Crossrail) opening is delayed to the end of 2019. Don't bet on it being available until there is a firm announcement.
Ah, I missed that it was delayed a year. Hopefully it opens before the new Berlin airport.
by stan1
Wed Oct 31, 2018 7:16 am
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 67
Views: 3327

Re: Planning first international trip - London/Paris

My wife and I are planning our first international trip. We are planning on spending six full days in Europe the last week of April. We are flying non-stop from Atlanta to Heathrow airport. 1. What part of the city do you recommend staying? Is this walking distance to any major tourist areas? 2. Sh...
by stan1
Tue Oct 30, 2018 8:56 pm
Forum: Personal Finance (Not Investing)
Topic: "Do you have any questions for the interview panel?" Suggestions.
Replies: 14
Views: 1238

Re: "Do you have any questions for the interview panel?" Suggestions.

I'd look at it backwards. What are your strengths? Why do you feel you are he best person for the job? You say they always ask the same questions so what about you gets the least amount of coverage in the standard questions? That's what you want to talk about. State your strength and ask them a ques...
by stan1
Tue Oct 30, 2018 8:03 am
Forum: Investing - Theory, News & General
Topic: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]
Replies: 69
Views: 6217

Re: Anyone else feel giddy every time VXUS gets creamed? [Vanguard Total International]

If the emotional rush of buying low helps you stay true to your asset allocation and avoid the temptation of buying high and selling low then use whatever psychology you want.
by stan1
Tue Oct 30, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: Quicken Mac vs Windows
Replies: 18
Views: 1285

Re: Quicken Mac vs Windows

Transparency : I am an slice and dice, with added tilts, with many accounts. :D Hence the summation of the assets is helpful. So are you saying Quicken for PC gives you what you need and you don't also need a spreadsheet? I have not experienced the Quicken for PC, hence cannot confirm, but was hope...
by stan1
Tue Oct 30, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: Quicken Mac vs Windows
Replies: 18
Views: 1285

Re: Quicken Mac vs Windows

LiveSimple wrote:
Tue Oct 30, 2018 7:37 am

Transparency : I am an slice and dice, with added tilts, with many accounts. :D Hence the summation of the assets is helpful.
So are you saying Quicken for PC gives you what you need and you don't also need a spreadsheet?
by stan1
Tue Oct 30, 2018 7:28 am
Forum: Personal Consumer Issues
Topic: Quicken Mac vs Windows
Replies: 18
Views: 1285

Re: Quicken Mac vs Windows

Back to my Excel and Pivot Table for my assets allocation. If it's any consolation I can't imagine a Boglehead with anything more complex than a 3 fund portfolio would be happy with how Quicken for WIndows does asset allocation. I do find it very easy to move holding values from Quicken into a spre...
by stan1
Mon Oct 29, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: BND vs VTEAX in a taxable account [Vanguard Total vs. Tax-Exempt Bond]
Replies: 4
Views: 429

Re: BND vs VTEAX in a taxable account

What is your federal tax rate? What state do you live in and what is your tax rate there? How long do you plan to stay in that state? How long do you plan to hold this investment?