Search found 7060 matches

by stan1
Mon Jul 15, 2019 9:57 am
Forum: Investing - Theory, News & General
Topic: Will you buy Total Bond with a negative yield?
Replies: 73
Views: 6203

Re: Will you buy Total Bond with a negative yield?

I'll answer first. I would sell bonds and then begin buying back time in my state sponsored pension fund which guarantees a 4% yield. That would get me through several years of negative rates, if I had to do it. A lot of people don't have an option to buy into such a plan. A lot of 401Ks don't have...
by stan1
Mon Jul 15, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: House not appraising for amount we were offered!
Replies: 124
Views: 11160

Re: House not appraising for amount we were offered!

There is a cost to the seller to put it back on the market. Another 30 to 60 days of mortgage, property tax, and upkeep. Another buyer with another inspection. Inconvenience of more showings and open houses. Anyone with a mortgage is going to require an appraisal contingency. The house isn't going t...
by stan1
Mon Jul 15, 2019 9:20 am
Forum: Personal Finance (Not Investing)
Topic: [Proposed changes to 401(k) and IRAs]
Replies: 85
Views: 3751

Re: SECURE act and Roth IRAs

One of the biggest risks of success is flawed assumptions. Assuming taxes stay the same is a big blind spot. We can't control future tax laws but we can diversify asset location.
by stan1
Sat Jul 13, 2019 2:06 pm
Forum: Personal Consumer Issues
Topic: Can an HOA ARB legally deny a request to install motion sensing SPOT lights
Replies: 19
Views: 2089

Re: Can an HOA ARB legally deny a request to install motion sensing SPOT lights

Such is the life of HOA board members. With us it is cameras and trees. Residents want the trees next to their house chopped down but want all the other trees to stay put. Residents want to put cameras on their house but don't want other people making videos of them. We resolve these by: advice of l...
by stan1
Sat Jul 13, 2019 9:28 am
Forum: Personal Consumer Issues
Topic: Got robbed in London...Phone stolen...what else do I need to do?
Replies: 50
Views: 6429

Re: Got mugged in London...Phone stolen...what else do I need to do?

Not trying to be contentious, just my factual question still isn't answered. I don't understand 'hashed and salted' either. I'm not trying to be contentious, just want somebody to explain explicitly with no assumptions I know stuff I might not know, how would my passwords be discovered by somebody ...
by stan1
Fri Jul 12, 2019 6:29 pm
Forum: Personal Investments
Topic: Which Portfolio is best for me? Core 4 vs 3 Fund vs Swensen?
Replies: 14
Views: 999

Re: Which Portfolio is best for me? Core 4 vs 3 Fund vs Swensen?

So Buffet is 100% S&P 500? And you are that for the long haul? What is the name of that Swensen book, thank you? Regarding Bonds allocation...if I go TOTAL BONDS does that cover me in place of TIPS + Bonds as you discussed? This is great, thank you for your help. First Total Stock Market and Index ...
by stan1
Fri Jul 12, 2019 6:16 pm
Forum: Investing - Theory, News & General
Topic: Any good podcasts for investing/personal finance?
Replies: 10
Views: 1017

Re: Any good podcasts for investing/personal finance?

Also Meb Faber. I like his conversation style as an interviewer and lots of interesting guests. Plus with 164 podcasts it will keep you busy for a long time.
by stan1
Fri Jul 12, 2019 5:49 pm
Forum: Personal Investments
Topic: 100% VMNVX [Vanguard Global Minimum Volatility Fund]
Replies: 13
Views: 1457

Re: 100% VMNVX [Vanguard Global Minimum Volatility Fund]

Welcome. When someone comes in with a unique portfolio (and yours is) the first question I like to ask is "why did you choose this?" Did an advisor tell you to do this? Did you read an article? Advice from a friend? Best thing to do would be to follow the asking advice guidance template at this link...
by stan1
Fri Jul 12, 2019 5:41 pm
Forum: Investing - Theory, News & General
Topic: Index Fund Creator Jack Bogle Didn't Like ETFs Being Used For Speculation
Replies: 84
Views: 3405

Re: "ETFs are a loser’s game. Let me be very clear about that."

You’re probably right. The responses so far are pretty telling to say the least. It’s just a Bogle quote posted on Bogleheads (nothing I said, I cited the source), but the visceral reaction, whew Appeal to authority isn't the best way to win an argument. Usually appeal to authority just turns up th...
by stan1
Fri Jul 12, 2019 4:37 pm
Forum: Investing - Theory, News & General
Topic: Index Fund Creator Jack Bogle Didn't Like ETFs Being Used For Speculation
Replies: 84
Views: 3405

Re: "ETFs are a loser’s game. Let me be very clear about that."

livesoft wrote:
Fri Jul 12, 2019 4:36 pm
Here we go again. :)
Maybe the quote is long enough that its a copyright violation this time and it will disappear?
by stan1
Fri Jul 12, 2019 4:03 pm
Forum: Personal Investments
Topic: is Vanguard Flagship service better? (I sure hope so)
Replies: 28
Views: 2828

Re: is Vanguard Flagship service better? (I sure hope so)

Part of my reason for consolidation is to get to Flagship level service at Vanguard, but given the Voyager Select level service I received, I am not too enthusiastic at all about Flagship service. Please tell me Flagship service is much more improved than Voyager Select. I have to say Fidelity is b...
by stan1
Fri Jul 12, 2019 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: priority of supporting parents vs saving for college
Replies: 54
Views: 3446

Re: priority of supporting parents vs saving for college

But we have a very high income and my husband and I are on the same page about planning to help each of them in some way at some point. As I just made our monthly contributions to the children's 529 plans, I was realizing that 10K/year might have more impact if we started sending it to my parents n...
by stan1
Fri Jul 12, 2019 9:35 am
Forum: Personal Investments
Topic: Tax-loss harvest partner for S&P600 Small Cap Value ETFs
Replies: 21
Views: 1737

Re: Tax-loss harvest partner for S&P600 Small Cap Value ETFs

Interesting they have 15/20/25 basis point ER's. I figured the brand name of SPDR would be the most expensive but it is indeed the least expensive. The problem in the past with SLYV is that it has thrown off capital gains distributions that the other two have not. "I read on the internet" (dangerou...
by stan1
Fri Jul 12, 2019 9:28 am
Forum: Personal Investments
Topic: Tax-loss harvest partner for S&P600 Small Cap Value ETFs
Replies: 21
Views: 1737

Re: Tax-loss harvest partner for S&P600 Small Cap Value ETFs

I STRONGLY DISAGREE with TLHing IJS into VIOV or vice versa. They're both extremely tight index trackers of the same index, even down to being aggressive users of securities lending that offsets the ER. You're probably not a big enough fish to fry or flush but it's really asking for trouble. How ab...
by stan1
Fri Jul 12, 2019 7:45 am
Forum: Investing - Theory, News & General
Topic: Why factor investing isn't working
Replies: 484
Views: 20010

Re: Why factor investing isn't working

Heck, the guy who wrote a book on Factors Investing only wrote several lengthy posts on the subject and patiently answered questions. If that isn't information, then I don't know what is. I guess some people won't take yes for an answer. I never got any predicted expectations, metrics for future su...
by stan1
Thu Jul 11, 2019 7:41 am
Forum: Personal Investments
Topic: Why not post-tax investment in US for people from Home Country - India
Replies: 34
Views: 3188

Re: Why not post-tax investment?

There are a lot of tax advantages for investing in general right now: - tax deferment through Traditional IRA contributions - no tax on capital gains and dividends for Roth accounts - tax deferral and tax timing through Roth conversions - no tax on qualified charitable distributions from Traditional...
by stan1
Wed Jul 10, 2019 10:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 250
Views: 40601

Re: Vanguard New Factor Funds Portfolio Statistics

I like Top 10 holdings of VFMO better than MTUM. VFMO is less concentrated than MTUM and has smaller capitalization stocks along with large caps. If VFMO had $10B+ in assets its Top 10 would be different, too. So for now I think its good to have a $33M fund with Vanguard's low cost structure. I prob...
by stan1
Wed Jul 10, 2019 12:37 pm
Forum: Investing - Theory, News & General
Topic: Why factor investing isn't working
Replies: 484
Views: 20010

Re: Why factor investing isn't working

If it just comes down to "I don't agree and want to do something different". Fine, go ahead.
by stan1
Wed Jul 10, 2019 12:29 pm
Forum: Personal Investments
Topic: Assisted Living Money Decision
Replies: 21
Views: 1727

Re: Assisted Living Money Decision

More re Aid and Attendance The Vet must be a combat vet and qualifying dates are specific. The rules and lengthy and complex. Resources: www.VA.gov www.VeteranAid.org www.VeteranCareAdvisors.com Good suggestions. You'll want to try to find his DD 214 (discharge paperwork first issued in 1950). That...
by stan1
Wed Jul 10, 2019 11:53 am
Forum: Personal Investments
Topic: Assisted Living Money Decision
Replies: 21
Views: 1727

Re: Assisted Living Money Decision

For any potential VA benefits: Best recommendation is to contact organizations like Disabled American Veterans (DAV) who can help determine how veterans benefits might apply to their specific situation. I'd do that very quickly. An elder care attorney SC is also important. I wouldn't do ANYTHING wit...
by stan1
Wed Jul 10, 2019 7:37 am
Forum: Investing - Theory, News & General
Topic: De-Risking and Diversification aren't the same thing.
Replies: 45
Views: 2222

Re: De-Risking and Diversification aren't the same thing.

How does rebalancing play into capturing the diversification effect? Is a target volatility strategy a necessary part of capturing the benefit? I don't care for the term "free lunch effect" that comes from the website you linked to. The quote we all know is "there's no such thing as a free lunch (yo...
by stan1
Tue Jul 09, 2019 8:44 pm
Forum: Personal Investments
Topic: Federal employee financial planning question
Replies: 33
Views: 2934

Re: Federal employee financial planning question

You could also do: TSP: 100% Lifecycle 2030 (about 60/40) [or Lifecycle 2040 if you want 70/30] Taxable 100% Total Stock Market IRA 100% Target Retirement 2030 (about 70/30) It really could be as simple as this if you want something on autopilot. Your TSP account is much, much larger than your other...
by stan1
Tue Jul 09, 2019 8:33 pm
Forum: Personal Consumer Issues
Topic: Scrubber machine to clean tile floors?
Replies: 8
Views: 653

Re: Scrubber machine to clean tile floors?

Are you using a wet mop or a damp mop? We've found that more water does help (but that also means you have to be more careful).

Also you might try professional steam cleaning.
by stan1
Tue Jul 09, 2019 8:20 pm
Forum: Personal Investments
Topic: Safest way to invest $1 mil for individual with cognitive impairment to protect their assets?
Replies: 33
Views: 3402

Re: Safest way to invest $1 mil for individual with cognitive impairment to protect their assets?

One option would be annuitization which would turn the assets into future year cash flows (income). I don't know whether your relative would consider this, but maybe he would since he's OK with bonds. I'm normally not a fan of annuities but this seems like a case where they could offer protection fr...
by stan1
Tue Jul 09, 2019 7:59 pm
Forum: Personal Investments
Topic: Federal employee financial planning question
Replies: 33
Views: 2934

Re: Federal employee finanacial planning question

So you are 48 or so? I agree you are over invested in the stock market. I would not be 100% equities at your age (or close to it, sounds like you have a little bonds in the non-TSP accounts) 80/20 for an aggressive 48 year old, 70/30 for average, and 60/40 for conservative. As a point of reference V...
by stan1
Tue Jul 09, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard hits back at Fidelity's loss-leader strategy by courting higher-margin businesses, like China and private equi
Replies: 19
Views: 1855

Re: "Vanguard hits back at Fidelity's loss-leader strategy by courting higher-margin businesses, like China and private

This is interesting. The assumption that Fidelity's ZERO funds are loss-leaders is unproven. If they are truly losing money on the funds, then it is correct. OTOH, if Fido has achieved a level of efficiency where they can still break even or make a small amount from the other fund revenues (share l...
by stan1
Mon Jul 08, 2019 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Heart Transplant — Can I Fund Expenses through our DAF?
Replies: 22
Views: 2209

Re: Heart Transplant — Can I Fund Expenses through our DAF?

No, he is not a charitable organization. If let's say you gave to the hospital's affiliated charity you would not be able to specify that it is for his care.
by stan1
Sun Jul 07, 2019 7:59 pm
Forum: Personal Consumer Issues
Topic: Parent giving us money to pay off mortgage
Replies: 17
Views: 2837

Re: Parent giving us money to pay off mortgage

The gift tax return is just some paperwork that tax software will easily handle (likely no tax due) but if she wanted to avoid that she could gift you and your spouse $15K each per year. If she is married her husband could to the same. So all together they could gift you $15K + $15K + $15K + $15K = ...
by stan1
Sun Jul 07, 2019 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Land in FEMA Flood Plain
Replies: 23
Views: 1624

Re: Land in FEMA Flood Plain

OP here. I went out and took another look at the property. Except for the flood plain area, the entire property (about 25 acres) is a gentle slope. The targeted building site is about 40 feet higher than the top of the flood plain. My Realtor (also a developer) said I would be completely out of flo...
by stan1
Sun Jul 07, 2019 5:47 pm
Forum: Investing - Theory, News & General
Topic: Why factor investing isn't working
Replies: 484
Views: 20010

Re: Why factor investing isn't working

From the article: “The whole exercise of factor investing is delineating between the risks you get paid for and the risks those you don’t,” said Michael Hunstad, head of quantitative strategies at NTAM. “The challenge is you want to define the value, quality, or other factor in such a way that you ...
by stan1
Sun Jul 07, 2019 2:10 pm
Forum: Personal Investments
Topic: VTI vs VTSAX
Replies: 38
Views: 2952

Re: VTI vs VTSAX

livesoft wrote:
Sun Jul 07, 2019 7:13 am
Let me ask one more thing: Who thinks they lost any money during a flash crash? Please stand up and raise your hand! Thanks!
There were people who had standing good until cnx stop loss orders on their holdings. It was a bit of a thing for some people back in 2009/2010.
by stan1
Sun Jul 07, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance excessive price increase -upset!
Replies: 160
Views: 9806

Re: Long term care insurance excessive price increase -upset!

Yep, this is the reason I am never buying LTC insurance. No way in hell am I going to flush tens, if not hundreds, of thousands of dollars down the drain in premiums only to reach a point where I cannot afford to maintain the policy. Self-insuring is the way to go. Makes perfect sense for many folk...
by stan1
Sun Jul 07, 2019 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Would You Refinance Now?
Replies: 11
Views: 1055

Re: Would You Refinance Now?

Yes. You would save a lot. I wouldn't pay points though. Rates may be lower in a year and if they are you can refi again.

We re-financed about 5 times between 2000 and 2010. Each time payback period for refi costs was about 12 -18 months.
by stan1
Sun Jul 07, 2019 1:43 pm
Forum: Investing - Theory, News & General
Topic: Why do Vanguard Target Retirement and LifeStrategy hold "Investor" rather than "Admiral" shares?
Replies: 7
Views: 905

Re: Why do Vanguard Target Retirement and LifeStrategy hold "Investor" rather than "Admiral" shares?

Many of these funds are in IRAs and 401Ks. There may be extra 401K administrative costs that Vanguard is trying to knock down to lower expenses (such as placement fees). 401Ks also have a lot of transactions (every pay period every participant buys). Same with people who invest monthly into an IRA i...
by stan1
Sun Jul 07, 2019 1:35 pm
Forum: Investing - Theory, News & General
Topic: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE
Replies: 36
Views: 2856

Re: POST YOUR QUESTIONS FOR THE EXPERTS PANEL Q&A HERE

How should a healthy, hopefully long-lived 60 year old couple with a $1M portfolio evaluate risk? What techniques should they employ in portfolio construction to manage risk during draw down? Let's assume SS and Medicare are unchanged and this couple does not have employer pensions.
by stan1
Sun Jul 07, 2019 10:03 am
Forum: Investing - Theory, News & General
Topic: John Bogle says investors don't need to own international stocks​
Replies: 42
Views: 3879

Re: John Bogle says investors don't need to own international stocks​

On this lazy Sunday morning, just waiting for the lost dog and that "don't you want to own Nestle and Samsung and Toyota" guy to chime in. My OPINION is VTSAX and God Bless the USA. We were ahead of you. Fair enough and succinctly stated. At least you are honest with yourself and aren't trying to c...
by stan1
Sun Jul 07, 2019 9:05 am
Forum: Investing - Theory, News & General
Topic: John Bogle says investors don't need to own international stocks​
Replies: 42
Views: 3879

Re: John Bogle says investors don't need to own international stocks​

ResearchMed wrote:
Sun Jul 07, 2019 9:00 am

Do you have a typo, in the "A) 0% domestic"?
Did you mean "international" here?
Ooops! Corrected.
by stan1
Sun Jul 07, 2019 9:04 am
Forum: Investing - Theory, News & General
Topic: John Bogle says investors don't need to own international stocks​
Replies: 42
Views: 3879

Re: John Bogle says investors don't need to own international stocks​

On this lazy Sunday morning, just waiting for the lost dog and that "don't you want to own Nestle and Samsung and Toyota" guy to chime in. My OPINION is VTSAX and God Bless the USA. We were ahead of you. Fair enough and succinctly stated. At least you are honest with yourself and aren't trying to c...
by stan1
Sun Jul 07, 2019 8:51 am
Forum: Personal Investments
Topic: 6M retirement asset allocation and tax advice
Replies: 21
Views: 3318

Re: 6M retirement asset allocation and tax advice

Taxable accounts: Vanguard 500 Index Fund Adm 16.80% Vanguard Extended Mkt Index Adm 16.40% Vanguard Devel Markets Idx Admiral 4.40% Vanguard Emerging Mkts Stk Idx Adm 3.50% Vanguard Mid-Cap Index Fund Adm 1.20% Vanguard New York Muni Money Mkt 10.30% Vanguard Inter-Term Tax-Exempt Adm 5.80% Vangua...
by stan1
Sun Jul 07, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance excessive price increase -upset!
Replies: 160
Views: 9806

Re: Long term care insurance excessive price increase -upset!

@WoW2012, I disagree with almost everything you post, but credit where it's due, I appreciate your adding a signature. +1. I'm always open to new ideas from professionals (but I'm from the skeptical generation not the generation who thought the purpose of advertising was to inform consumers and hel...
by stan1
Sun Jul 07, 2019 8:23 am
Forum: Investing - Theory, News & General
Topic: John Bogle says investors don't need to own international stocks​
Replies: 42
Views: 3879

Re: John Bogle says investors don't need to own international stocks​

Any chance anyone could summarize in a quick sentence what the consensus is on this statement from Bogle for a brand new noob, please? Int'l stocks - Yep, or Nope? Absolutely no way to do that. You get to make your own decision. There are three groups: A) 0% international B) Market weight (about 55...
by stan1
Sat Jul 06, 2019 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Need Perspectives on Potential Home Buying Decision
Replies: 20
Views: 1176

Re: Need Perspectives on Potential Home Buying Decision

Sounds to me this is more of a lifecycle choice for you given down payment and income. Do you want to be a homeowner not a renter? Also keep commute in mind especially in DC area where it can be a huge quality of life factor. Adding an extra 60 plus minutes of commute each day for a house you really...
by stan1
Sat Jul 06, 2019 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: LTC insurance -- where do the premiums go?
Replies: 8
Views: 502

Re: LTC insurance -- where do the premiums go?

With both LTCI and SPIA policies purchased right now you are locking in today's low interest rates. Buying a lot of either policy is basically speculating that rates won't go up a lot during your lifetime. With SPIAs you can somewhat offset this by buying incrementally at different times with differ...
by stan1
Sat Jul 06, 2019 12:05 pm
Forum: Personal Investments
Topic: Does International makes sense in this situation?
Replies: 6
Views: 524

Re: Does International makes sense in this situation?

IXUS is a reasonable tax loss harvest partner, or if you insist on only using Vanguard mutual funds you can use Vanguard FTSE All World Ex US. The small amount of small caps missing from it won't make a difference. Why do you say VTIAX is tax inefficient? Compute the actual dollar amount of tax owed...
by stan1
Fri Jul 05, 2019 10:24 pm
Forum: Personal Consumer Issues
Topic: Buying a suit
Replies: 35
Views: 1943

Re: Buying a suit

Bluffworks. You’re welcome. I have been a customer of theirs since shortly after startup and definitely worth looking at if you need a jacket or suit separates for one bag travel. Fine in some circles but I wouldn't recommend their suit for an interview or funeral where a conservative appearance is...
by stan1
Fri Jul 05, 2019 10:10 pm
Forum: Personal Investments
Topic: Vanguard "new" checking to replace Advantage Accounts is not really checking
Replies: 19
Views: 2506

Re: Vanguard "new" checking to replace Advantage Accounts is not really checking

Is there any upper limit for these checks? My concern is potential fraud of someone taking my check for $250 and washing the amount to some much larger number. If check has my account # then I will be held responsible. Vanguard has had checkwriting on money market and some bond funds for decades. T...
by stan1
Fri Jul 05, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Buying a suit
Replies: 35
Views: 1943

Re: Buying a suit

For your needs Jos A. Bank or Men's Wearhouse would work (both the same company now, George no longer owns Men's Wearhouse if you remember his ads). No need to spend more than $500 unless you want to. Sometimes Nordstrom when on sale. There is also Indochino which is custom made to your measurements...
by stan1
Fri Jul 05, 2019 2:30 pm
Forum: Investing - Theory, News & General
Topic: Hidden Vanguard etf?
Replies: 20
Views: 3560

Re: Hidden Vanguard etf?

Vanguard is saying they don't want to provide retail investor customer support for these "hidden" ETFs. So if you call them and start asking them questions about momentum or quality factor investing or why one might choose VBR instead of VIOV they will suggest you talk to an advisor. If you call the...
by stan1
Fri Jul 05, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: Rent and drive a car in northern Europe.
Replies: 16
Views: 888

Re: Rent and drive a car in northern Europe.

They may ask if you are entirely on roads or if you will be putting it on a ferry (such as Copenhagen to Oslo or in Norway)