Search found 6056 matches

by stan1
Tue Dec 18, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Apple watch Series 3
Replies: 4
Views: 480

Re: Apple watch Series 3

If you don't want to carry a phone while you exercise I think a mobile enabled watch is a good safety feature that justifies the extra cost. I took a spill a few weeks ago and fortunately had my phone with me. I easily sent my GPS coordinates to my spouse as an iMessage and didn't need to try to exp...
by stan1
Tue Dec 18, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: Kitchen refresh/remodel ideas
Replies: 18
Views: 880

Re: Kitchen refresh/remodel ideas

A kitchen is a bunch of layers of materials stacked and packed in a proper order. Plumbing, gas and electrical goes in walls (often needing a permit). In some parts of the country cabinets set on the floor, in others cabinets set on the foundation. Appliances and cabinets are sized so they fit. Coun...
by stan1
Tue Dec 18, 2018 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Marriage and separate accounts - how does it work?
Replies: 98
Views: 4817

Re: Marriage and separate accounts - how does it work?

We have had a variety of joint and separate accounts for 20 years. Basically we budget an amount each year to pull out of each paycheck that goes into a joint account to pay for home, utility, and similar expenses. The rest goes to each of our individual accounts. Spouse pays for most groceries and ...
by stan1
Sun Dec 16, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: Pre-paying mortgage only in early years
Replies: 51
Views: 3404

Re: Pre-paying mortgage only in early years

I would save for retirement first (max out 401Ks and IRAs), build up a low six figure taxable account, and then only after that consider paying down a mortgage early with one or two extra payments per year. Build your wealth. Housing is an expense since we have to live somewhere and I don't mind tre...
by stan1
Sun Dec 16, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: peloton fitness bike
Replies: 22
Views: 2421

Re: peloton fitness bike

Several earlier threads, here's one:
viewtopic.php?t=250381
by stan1
Sun Dec 16, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Do Factor Tilts, Such As Small Value, Increase Idiosyncratic Risk?
Replies: 52
Views: 2217

Re: Do Factor Tilts, Such As Small Value, Increase Idiosyncratic Risk?

Again to OP: Are you looking at a domestic equity position that is 100% IJS (e.g. the "Larry Portfolio") or one that is let's say 70% VTI and 30% IJS. Very few people would choose to invest 100% of their domestic equity portfolio in SCV. Requires a lot of faith in theory to eschew Apple and the rest...
by stan1
Sun Dec 16, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Do Factor Tilts, Such As Small Value, Increase Idiosyncratic Risk?
Replies: 52
Views: 2217

Re: Do Factor Tilts, Such As Small Value, Increase Idiosyncratic Risk?

IJS is much more concentrated than VTI. Aren't you taking on considerable idiosyncratic risk with factor tilted funds, such as IJS? Most people who choose to invest in Small Value do so as a tilt, not as a replacement for a total market fund. Any single company is a very, very small contributor to ...
by stan1
Sun Dec 16, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 50
Views: 4190

Re: Fidelity as a one stop shop

Why don't you use Schwab for all your needs? That's what we do. I thought about that, but Schwab lack one important fund to me: extended market index. I need this fund in my Roth because the only good index fund in my 401K is S&P 500 fund. I prefer to own the whole market not just the top 500 compa...
by stan1
Sun Dec 16, 2018 10:06 am
Forum: Personal Consumer Issues
Topic: Favorite Purchase of 2018?
Replies: 152
Views: 9586

Re: Favorite Purchase of 2018?

Bought a 2018 Honda Accord EX-L after a couple of years pondering a new car purchase. Splurged with the upgraded trim (leather, moon roof, etc.) for the first time. Has everything I could imagine wanting in a car and drives great. I'm in my 60s and can say this may be the first car I've actually be...
by stan1
Sat Dec 15, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Planning first international trip - London/Paris
Replies: 74
Views: 4159

Re: Planning first international trip - London/Paris

Personally out of that list I would go with the Royal Horseguards (I've stayed in another Guoman property and they are nice but you do have to remember its in a historic building). The location is more central but it is a block or so away from the bustle of Trafalgar Square and Charring Cross Statio...
by stan1
Sat Dec 15, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 187
Views: 13496

Re: Obamacare (ACA) Ruled Illegal by Texas Federal Court

If you are responsible and are continuously covered by health insurance, as you should be, what is the concern about preexisting conditions? Can someone please explain? Thanks! You are 4 months pregnant or have high blood pressure and have good employer provided health insurance. You are laid off f...
by stan1
Sat Dec 15, 2018 10:03 am
Forum: Investing - Theory, News & General
Topic: Why did Fidelity Extended Market Fund (FSMAX) drop 6.75% yesterday?
Replies: 5
Views: 1511

Re: Why did Fidelity Extended Market Fund (FSMAX) drop 6.75% yesterday?

There was a dividend and a capital gain distribution.

https://fundresearch.fidelity.com/mutua ... /315911743

This fund is completely unsuitable for a taxable account. It has a long history of capital gains distributions.
by stan1
Sat Dec 15, 2018 9:58 am
Forum: Personal Consumer Issues
Topic: Holiday Card [from Vanguard]
Replies: 29
Views: 2878

Re: Holiday Card [from Vanguard]

Maybe they need to set up an opt out option for holiday cards to help keep expenses low?
by stan1
Sat Dec 15, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 187
Views: 13496

Re: ACA Struck down...yikes [by federal judge in Texas]

I don't think the decision should be unexpected. What's actionable now? - Sign up for 2019 insurance if you haven't and need to do so. - Save more money if you plan to retire early - Keep your job with health insurance benefits as long as you can - Keep your job skills current so you have lower risk...
by stan1
Sat Dec 15, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: S&P 500 ETF versus total stock index ETF
Replies: 10
Views: 1320

Re: S&P 500 ETF versus total stock index ETF

Can anyone make the case that the S&P 500 ETF might be a better choice than than the total stock market etf? ( apologize in advance for asking what might be a stupid question.) Looking at past performance the 20% allocation to smaller capitalization stocks in total stock market does not make much o...
by stan1
Sat Dec 15, 2018 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 187
Views: 13496

Re: OBAMACARE RULED ILLEGAL BY TEXAS COURT

The healthcare.gov website has a terse banner reading "courts decision does not affect this season's open enrollment".
by stan1
Fri Dec 14, 2018 9:38 pm
Forum: Personal Finance (Not Investing)
Topic: Obamacare (ACA) Ruled Unconstitutional by Texas Federal Court
Replies: 187
Views: 13496

Re: ACA Struck down...yikes

Thread will get locked, but make sure you read what really happened. Saying it was struck down is an over simplification but makes for a good headline. It will go to Supreme Court.
by stan1
Fri Dec 14, 2018 8:54 am
Forum: Personal Consumer Issues
Topic: Potential New Home - Planes and Trains Noise
Replies: 35
Views: 2527

Re: Potential New Home - Planes and Trains Noise

I think you've got the first step: awareness that this is a concern for you. Now you need to get awareness of the location you want to buy the property. There is a wealth of information available if you spend a few hours familiarizing yourself with it. New train tracks are very rarely put down these...
by stan1
Thu Dec 13, 2018 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Buy now or wait?
Replies: 13
Views: 1201

Re: Buy now or wait?

I saw an apartment I like. The price is significantly lower than similar units that have sold recently, but my husband wants to wait because he thinks the true discounting will start when people do their taxes and discover the ramifications of the loss of interest (>$750k loan) and real estate tax ...
by stan1
Thu Dec 13, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: In order to not receive a dividend, what date do I need to SELL a mutual fund on?
Replies: 19
Views: 1550

Re: In order to not receive a dividend, what date do I need to SELL a mutual fund on?

People may be looking at tax loss harvests this December intermixed with dividend payouts. So for an ETF: Sell it before the record date and the dividend won't get paid even if the record date is prior to the settlement date? Buy the similar but not identical pair no sooner than the day after its re...
by stan1
Thu Dec 13, 2018 7:59 am
Forum: Personal Finance (Not Investing)
Topic: Side Hustle? Passive Income?
Replies: 23
Views: 2092

Re: Side Hustle? Passive Income?

Instagram business and real estate. The Instagram business feeds the real estate. I wouldn't want you to give away your secret sauce, but what is an Instagram business that feeds a real estate business? I have seen gym-fit, attractive people on Instagram with several 100K followers who post "thirst...
by stan1
Wed Dec 12, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Being locked out of my account and "research team" will contact me in 72 hours
Replies: 33
Views: 3951

Re: Being locked out of my account and "research team" will contact me in 72 hours

Yeah, it's just disconcerting they can't provide me more information since it is my account. They can ask me questions, confirm my identity, and then talk it through with me. The fact that it's "we can't say anymore" seem odd. They don't know whether you are you, or someone trying to impersonate yo...
by stan1
Wed Dec 12, 2018 7:43 am
Forum: Personal Finance (Not Investing)
Topic: learning excel
Replies: 21
Views: 1997

Re: learning excel

The books are good, but I'd also choose a project you want to work on such as a budget or calculating how much you need to retire. If you start taking inflation, taxes, variable rates of return, etc. into account you'll soon be looking up how to do new things in Excel. Like any other tool part of Ex...
by stan1
Tue Dec 11, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Total International Stock Market in a three fund portfolio?
Replies: 12
Views: 1020

Re: Total International Stock Market in a three fund portfolio?

My concern is, putting 10-20% of my savings long term into the total int’l market might be effectively regulating a considerable chunk of my portfolio to mediocre performance without any offsetting benefit. Or it might not. There is no consensus on this topic. Choose a percentage that works for you...
by stan1
Sun Dec 09, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Another Roth vs. Traditional question
Replies: 29
Views: 1667

Re: Another Roth vs. Traditional question

Even more fodder for thought: Part or all of RMD can now be taken out as a qualified charitable distribution. If you will be donating to charity during retirement anyways you get the benefit of the current year tax deductions at your current tax rate and tax free dividend and appreciation that you w...
by stan1
Sun Dec 09, 2018 10:20 am
Forum: Forum Issues and Administration
Topic: Just donated to bogleheads.org
Replies: 3
Views: 406

Re: Just donated to bogleheads.org

A good end of year reminder, and also remember you can make a grant from a donor advised fund.
by stan1
Sat Dec 08, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: International underperformance - how to break it down
Replies: 52
Views: 4075

Re: International underperformance - how to break it down

The US took firmer and earlier monetary steps to start recovery sooner and combined with a strengthening USD (itself related to the business cycle) attracted US investment. Also, tax cuts and stock buybacks (sometimes funded by debt) fueled the process. Growth has done very well in a low rate envir...
by stan1
Sat Dec 08, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Contractor draws during remodeling project
Replies: 25
Views: 2890

Re: Contractor draws during remodeling project

General Contractor here and on kitchen remodels our payment terms are 25% deposit, 25% upon approval of rough building, plumbing and electrical inspections by the town, 25% upon completion of drywall installation, 15% upon completion of cabinetry/trim installation and the final 10% upon completion ...
by stan1
Sat Dec 08, 2018 12:57 pm
Forum: Personal Consumer Issues
Topic: Contractor draws during remodeling project
Replies: 25
Views: 2890

Re: Contractor draws during remodeling project

We bought our cabinets through our contractor who was also a kitchen designer. I believe it was 10% down to do a final design on the cabinets, 40% more at time of order, 40% at time of shipment, and 10% at time of install (there was about 2 weeks between delivery and install). We bought appliances, ...
by stan1
Sat Dec 08, 2018 10:36 am
Forum: Personal Finance (Not Investing)
Topic: FEHB HDHP's CFBC vs GEHA
Replies: 7
Views: 543

Re: FEHB HDHP's CFBC vs GEHA

Also have to check to see whether your dentist and optometrist are in network in addition to your physician. If you don't mind changing it doesn't matter. In my area a number of established dentists and optometrists do not participate in these plans. I"ve heard reimbursement rates are low. There is ...
by stan1
Sat Dec 08, 2018 9:58 am
Forum: Local Chapters and Bogleheads Community
Topic: A New Boglehead and Plans for 2019
Replies: 5
Views: 678

Re: A New Boglehead and Plans for 2019

Does your wife have a 401K or 403b with a matching contribution? You'd want to get even before you contribute to the Roth IRAs.

Order:
401K up to match
Roth IRAs
More 401K, savings for down payment, or some of both. How you weight is really up to you and your families priorities.
by stan1
Sat Dec 08, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Setting up for 2019 (Married Couple M/30.F/26)
Replies: 6
Views: 587

Re: Setting up for 2019 (Married Couple M/30.F/26)

Does your wife's employer offer a 401K or 403b? If they offer a matching contribution that's free money you want to grab even before you do the Roth IRAs. After you get the matching contribution I'd do the two Roth IRAs, then continue contributing to the 401K. The balance between saving for a home d...
by stan1
Sat Dec 08, 2018 8:52 am
Forum: Personal Finance (Not Investing)
Topic: When to consider making extra principal payments on mortgage?
Replies: 24
Views: 2202

Re: When to consider making extra principal payments on mortgage?

(OP here) I don't have any specific goal to pay it off early. It is a starter home (2BR) for our family of 4. Ideally we will upgrade in the next 6 years or so. I would love to keep it and rent it out, but the only way we can make a down payment on another house is to sell this one. This is the mai...
by stan1
Fri Dec 07, 2018 7:51 am
Forum: Investing - Theory, News & General
Topic: Ignored Risks of Factor Investing
Replies: 104
Views: 5182

Re: Ignored Risks of Factor Investing

Key Points: [*]The risks of factor investing are usually understated (perhaps, severely so), and the diversification benefits tend to be overstated. [*]Because factor returns substantially deviate from normality and because correlations between factors are not constant over time, a multi-factor por...
by stan1
Thu Dec 06, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate
Replies: 19
Views: 1492

Re: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate

Hardly anyone wants to buy sedans right now due to the CUV craze plus sales are mostly flat to slightly down for 2018 compared to 2017. I'd go 15% off MSRP then add the tax, etc. back on. Tax, registration, and other fees are all set by the state and aren't negotiated where I live so out the door pr...
by stan1
Wed Dec 05, 2018 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Home Question, What Would You Do?
Replies: 21
Views: 2135

Re: Home Question, What Would You Do?

With your income and savings, move to a nicer neighborhood, nicer house over this coming weekend. No question whatsoever. I agree. You can't fix the neighborhood or the busy street and the money you put into trying to fix the other issues will still leave you with a home you don't enjoy. Get the cu...
by stan1
Wed Dec 05, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2371

Re: Looking for a nice travel watch... recommendations?

I stop wearing other watches after I got my Apple watch. It changes time automatically as you go from one time zone to another, it's waterproof, and you can change the band in 30 seconds. TravelforFun My elegant but frugal Vietnamese neighbor took a look at my Apple watch the other day when we were...
by stan1
Wed Dec 05, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: VTMSX or VIOV for Small Cap?
Replies: 5
Views: 348

Re: VTMSX or VIOV for Small Cap?

As an independent investor you really have to read the theory, understand it, and buy into the reasons why there might be a factor premium (size, value, quality, momentum). Backtesting is not enough because there could be long periods of time where any factor based strategy deviates from a market ca...
by stan1
Wed Dec 05, 2018 5:43 pm
Forum: Personal Consumer Issues
Topic: Southern California Vacation Questions
Replies: 39
Views: 2030

Re: Southern California Vacation Questions

Considering the following to visit: UCLA; Getty Museum - new site off of 405 freeway; Getty Villa - old site; Griffith Park and Observatory; Hollywood - sign, walk of fame; Grumman’s theater; Queen Mary - Long Beach; Aquarium of the Pacific - Long Beach; Trip to Santa Catalina Island (Will skip the...
by stan1
Wed Dec 05, 2018 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Should we abandon the Roth IRA (for now)?
Replies: 19
Views: 1977

Re: Should we abandon the Roth IRA (for now)?

There's no right or wrong answer because you would need to be able to predict the future to know the optimal decision, but if you are a physician in the 22% federal tax bracket right now you'll probably be in a higher bracket in the future. You may or may not make a career in a UC hospital. I'd give...
by stan1
Wed Dec 05, 2018 9:28 am
Forum: Investing - Help with Personal Investments
Topic: TLH pair for IJS (ishares S&P small cap value)
Replies: 21
Views: 1193

Re: TLH pair for IJS (ishares S&P small cap value)

Looking for some help with recommendations on some etf pairs to tax loss harvest IJS with. Please help. IJS and IJJ make a nice pair. SCV vs. MCV. If you make a deliberate decision to include small cap value in your asset allocation I would not use a mid cap value fund as a TLH pair. I personally w...
by stan1
Tue Dec 04, 2018 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio review after windfall
Replies: 8
Views: 764

Re: Portfolio review after windfall

I think you have a great plan. Agree with paying off the mortgage since 1) the rate is relatively high and 2) in the grand scheme of things $60K is now less than 10% of your net worth so no need to borrow money for a home. Only caveat would be if you plan to sell the house within the next 5 years I ...
by stan1
Mon Dec 03, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Will we make it saving only in employer plans?
Replies: 58
Views: 4129

Re: Will we make it saving only in employer plans?

Our 401K balance is around $250K at the moment. I'm 37, wife is 34, kids are 2 & 4. With company matching, we can put away about $46K/year, combined, in the 401Ks. You have $250K now. You make $255K/year. Let's say you have 28 years to work until you are 65. In today's dollars 28 x 46 + 250 = 1538K...
by stan1
Mon Dec 03, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: First Triathlon. What bike to buy?
Replies: 34
Views: 1833

Re: First Triathlon. What bike to buy?

If you want to spend a little money, she could take her current bike to a reputable local bike shop to do a fitting or changing the setup (bars, saddle, seatpost, stem) to get something closer to a road or tri setup, it won't be possible to get full on tri from a hybrid frame, but you could at leas...
by stan1
Mon Dec 03, 2018 8:05 am
Forum: Personal Consumer Issues
Topic: Toyota Camry Hybrid and Extended Warranty
Replies: 15
Views: 1051

Re: Toyota Camry Hybrid and Extended Warranty

Also have to read the fine print on what is covered. Is the navigation head covered? The sensors for lane keeping assist or the backup camera? Most of these extended warranties only cover what is listed. The electronic convenience and safety gizmos that may be most likely to fail these days may not ...
by stan1
Mon Dec 03, 2018 7:37 am
Forum: Personal Consumer Issues
Topic: Rental car classifications
Replies: 13
Views: 1173

Re: Rental car classifications

This is marketing and yield management not something that is regulated so they can do what they want. I do agree that the MSRP or even the perceived "status" of the car might bump it up in their size system. I've also seen intermediate and full size cars offered at a lower daily rate than a compact.
by stan1
Sun Dec 02, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Best Multifactor Funds to use for Tilting/Replacement?
Replies: 9
Views: 1107

Re: Best Multifactor Funds to use for Tilting/Replacement?

The Hartford multi-factor ETFs, iShares multi-factor ETFs, USAA Value Momentum Blend ETFs, and Franklin Templeton multi-factor ETFs all look compelling. Don't forget the John Hancock multi-factor ETFs. They are managed by some yahoos going by the name Dimensional Fund Advisors. Are they worth 30-50...
by stan1
Sun Dec 02, 2018 11:54 am
Forum: Investing - Help with Personal Investments
Topic: What is the lowest 'safe' emergency fund we should have?
Replies: 40
Views: 3885

Re: What is the lowest 'safe' emergency fund we should have?

The standard advice about emergency funds is just that: standard to everyone and not tailored to any one household's circumstances. The standard advice does not differentiate between a low income, middle income, or high income household. The idea behind an emergency fund is liquidity so you don't ne...
by stan1
Sun Dec 02, 2018 11:02 am
Forum: Investing - Theory, News & General
Topic: Penfed raises certificate rates 12/1/18
Replies: 25
Views: 3028

Re: Penfed raises certificate rates 12/1/18

The 3% rate turned out to be a pretty good deal five years later. Congratulations to all on some successful market timing! Nothing to be ashamed of. Don't agree it was market timing? You might need to clean your mirror. A disciplined CD investor would have a ladder of 5 year CDs with 20% expiring ev...
by stan1
Sun Dec 02, 2018 10:43 am
Forum: Investing - Theory, News & General
Topic: Penfed raises certificate rates 12/1/18
Replies: 25
Views: 3028

Re: Penfed raises certificate rates 12/1/18

The daily ACH limit for withdrawals is only $5000, so that could be a tedious way to do it. Otherwise you have the wire option (which I bet has a fee) or the mailed check option (which takes time). What are folks doing? Is that for an ACH push out of Pen Fed? When the CD lapses put it into a Pen Fe...