Search found 33 matches

by alanwbaker
Thu Nov 01, 2018 10:25 am
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 99
Views: 32021

South Bay Bogleheads, November 2018 Meeting Announcement

Hello South Bay Bogleheads! We will meet again on Monday, November 12th , from 7-9pm at Merrill Gardens in Campbell. Everyone is welcome. First, we’ll hear brief comments from Members who attended the 2018 Bogleheads Conference a few weeks ago in Philadelphia. Then we will enjoy a presentation and d...
by alanwbaker
Thu May 17, 2018 7:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 99
Views: 32021

Re: San Jose, CA Area Bogleheads Chapter

Our meetings are posted at http://southbaybogleheads.com/meetings. Details of each upcoming meeting are posted as they become available. Join us!
by alanwbaker
Wed Mar 22, 2017 1:54 am
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 99
Views: 32021

Re: San Jose, CA Area South Bay Bogleheads

Would you like to learn more about the South Bay Bogleheads? Just send an email to info@southbaybogleheads.com

Alan
by alanwbaker
Mon May 25, 2015 8:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 99
Views: 32021

Re: San Jose, CA Area Bogleheads Chapter

13 enthusiastic folks came to our organizational meeting last month and we've decided to call ourselves the South Bay Bogleheads. Our second meeting is coming up and you are welcome. Our own Jim Cosgrove will give us an overview of the Vanguard philosophy to get us started on the right foot. And the...
by alanwbaker
Sat Mar 21, 2015 7:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 99
Views: 32021

San Jose, CA Area Bogleheads Chapter

Join in, all ye denizens of the Valley of Hearts' Delight and Silicon Valley. The San Jose chapter was dormant for a while; let's re-invigorate it! :happy Our new name is South Bay Bogleheads.

Our website is http://southbaybogleheads.com

Alan & Jim
by alanwbaker
Thu Nov 21, 2013 4:02 am
Forum: Investing - Help with Personal Investments
Topic: Allocation of Vanguard Roth IRA (and is this a good time?)
Replies: 7
Views: 1279

Re: Allocation of Vanguard Roth IRA (and is this a good time

Trying to time the market is almost always a bad idea.

You want to be aggressive but you are worried. How well does your target asset allocation sync up with these conflicting emotions?
by alanwbaker
Wed Nov 20, 2013 12:43 am
Forum: Investing - Help with Personal Investments
Topic: A "Newbie" Asks For Help For Retirement
Replies: 12
Views: 2108

Re: A "Newbie" Asks For Help For Retirement

can it really be this simple? 30% Vanguard Total Stock Market Index VTSAX 15% Vanguard Total International Stock Index VTIAX 50% Vanguard Total Bond Index VBTLX ( or maybe I Bonds, CD's and TIPS as part of this) 5% Vanguard REIT Index VGSLX Yes, it is. Major questions are: 1-Is there a compelling r...
by alanwbaker
Wed Nov 20, 2013 12:11 am
Forum: Investing - Help with Personal Investments
Topic: Newly Retired/Need Portfolio Help Please
Replies: 21
Views: 2608

Re: Newly Retired/Need Portfolio Help Please

Here is my info--- Emergency funds: $105000 checking--enough for 3 years Consider emergency funds in shades of grey. Would you really need to write a check for $105,000 immediately? The key is to have sufficient liquid assets to handle those emergencies. If an emergency arises you could write a che...
by alanwbaker
Tue Nov 19, 2013 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Retired/Need Portfolio Help Please
Replies: 21
Views: 2608

Re: Newly Retired/Need Portfolio Help Please

Questions: 1. I would like input/opinions on fund of funds vs the 3 or 4 fund portfolio--or the 6 funds recommended in CoffeeHouse investor. Any need for tax free funds? I am striving for simplicity and efficiency. All of the "lazy" portfolios you mentioned are efficient. There may be a bit more ef...
by alanwbaker
Mon Nov 18, 2013 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: cost basis methods for selling individual stocks
Replies: 8
Views: 1202

Re: cost basis methods for selling individual stocks

1) Since we are selling everything, am I correct that it does not matter which cost basis method we choose? If so, should I just choose FIFO, which seems to be the default? 2) Isn't it true that Vanguard has no idea what our cost basis is, since we bought these shares at TD Ameritrade? I'm trying t...
by alanwbaker
Mon Nov 18, 2013 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation and Municipal Bonds
Replies: 6
Views: 1444

Re: Bond Allocation and Municipal Bonds

Total bond market index funds are dandy for taxable accounts too. This statement surprises me. Under what circumstances would it be appropriate to invest in Total Bond in taxable? Sally Suppose that your target asset allocation is 50-50 and your total assets are $1,000,000. You've maxed out your ta...
by alanwbaker
Mon Nov 18, 2013 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with my portfolio
Replies: 24
Views: 2887

Re: Need help with my portfolio

* About that 401A with your former employer... Where do you fit into the vesting schedule? You may have options to roll that over into an IRA before age 55. I was told that my 401a is in a trust and I cannot rollover until after age 55. What you were told may not be the complete picture. A 401A has...
by alanwbaker
Mon Nov 18, 2013 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: help with major rebalancig
Replies: 2
Views: 547

Re: help with major rebalancig

A lazy portfolio is good, but it doesn't have to be 33% of each. You are concerned about market risk, so consider tweaking your asset allocation to percentages you are comfortable with (rather than trying to time the market). You didn't mention whether these three accounts are taxable, IRA, 401K, or...
by alanwbaker
Mon Nov 18, 2013 1:20 am
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation and Municipal Bonds
Replies: 6
Views: 1444

Re: Bond Allocation and Municipal Bonds

Hi Robert,

Muni bonds compare favorably to corporate bonds when 1) interest rates are high and 2) your effective tax rate is high. So be sure to do the math for your situation before getting too enthusiastic about munis. Total bond market index funds are dandy for taxable accounts too.
by alanwbaker
Mon Nov 18, 2013 12:57 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice- New college graduate
Replies: 5
Views: 925

Re: Investment advice- New college graduate

Boilerup1, you're in an enviable position and you're making the right moves. Max out your tax-advantaged accounts then put other disposable income into a taxable account that maintains your desired asset allocation.
by alanwbaker
Mon Nov 18, 2013 12:47 am
Forum: Investing - Help with Personal Investments
Topic: 401 k confusion
Replies: 12
Views: 4020

Re: 401 k confusion

Welcome, Rocketgrad! When you get the info on those investment choices and their costs, post again here so some helpful Bogleheads can help.
by alanwbaker
Mon Nov 18, 2013 12:40 am
Forum: Investing - Help with Personal Investments
Topic: Need help with my portfolio
Replies: 24
Views: 2887

Re: Need help with my portfolio

I did not list Taxable Accounts since I don't have any. I only have checking/saving accounts with upper mid 5 digits. My 401a is cash in tax shelter annuity. I was told there is no stock or bond in 401a. 401a is 81% of my total investments All I have is 2 years of contribution in 401k. 401k is 19% ...
by alanwbaker
Sun Nov 17, 2013 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: windfall in high tax california, what to do
Replies: 20
Views: 2863

Re: windfall in high tax california, what to do

2) Do I change asset allocation? Go more conservative? After the big tax hikes over the past years, I estimate that at least 40% of this check will be forked over to government. I think our portfolio is tilted to small and value with less international than most. Desired Asset allocation: 70% stock...
by alanwbaker
Sun Nov 17, 2013 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with my portfolio
Replies: 24
Views: 2887

Re: Need help with my porfolio

[quote="alanwbaker" First consider the sum of your investment--taxable accounts, Roth IRA's, traditional IRA's, 401a, 401k, the whole works. Your 70/30 strategic asset allocation should be applied to the total of these, not to particular accounts. http://www.bogleheads.org/wiki/Asset_allocation [/qu...
by alanwbaker
Sun Nov 17, 2013 1:27 am
Forum: Investing - Help with Personal Investments
Topic: Need help with my portfolio
Replies: 24
Views: 2887

Re: Need help with my porfolio

Hi Vanessa, Welcome to Bogleheads! You're on the right track. First consider the sum of your investment--taxable accounts, Roth IRA's, traditional IRA's, 401a, 401k, the whole works. Your 70/30 strategic asset allocation should be applied to the total of these, not to particular accounts. http://www...
by alanwbaker
Fri Oct 25, 2013 11:36 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a Laptop Computer???
Replies: 41
Views: 4761

Re: Recommendations for a Laptop Computer???

Your 4-year-old computer may not even need to be replaced. Most computers of that age have accumulated software that slows them down. Wiping the disk and reloading the operating system is much more cost effective than buying new hardware. But if you decide to buy new hardware... o Get a good externa...
by alanwbaker
Mon Oct 14, 2013 1:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: On my way to the Bogleheads reunion!
Replies: 29
Views: 3655

Re: On my way to the Bogleheads reunion!

I'm on my way there also. This will be my first time so I'm looking forward to meeting everyone.

Alan
by alanwbaker
Tue Sep 24, 2013 6:44 pm
Forum: Investing - Theory, News & General
Topic: Oxford study finds consultant-recommended funds underperform
Replies: 5
Views: 1013

Oxford study finds consultant-recommended funds underperform

Bogleheads will not be surprised by this, but a paper http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2327042 from Oxford University’s Saïd Business School demonstrates that mutual funds recommended by consultants perform worse than other funds. A synopsis (also published by the Financial Times) ...
by alanwbaker
Mon Aug 26, 2013 7:06 pm
Forum: Personal Consumer Issues
Topic: Prepaid cellular phone plans and roaming
Replies: 13
Views: 3802

Re: Prepaid cellular phone plans and roaming

Browser, I use AirVoice also--their $10 a month plan works well for me. Consider buying a second phone that has none of the services you know and love on your smart phone, but will roam. Tracfone will give you this for about $120 a year.
by alanwbaker
Mon Aug 26, 2013 6:53 pm
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 56708

Re: Windows XP users

If you seriously plan to use a computer with XP after April 8, 2014, plan to isolate it from the net. Otherwise, vulnerabilities that remain unpatched on XP will be exploited by cybercriminals and your computer will become infected with malware. As jchef noted, no antivirus program or scanner will p...
by alanwbaker
Thu Jul 04, 2013 12:27 am
Forum: Personal Consumer Issues
Topic: Watch where you get your Android apps
Replies: 5
Views: 1007

Re: Watch where you get your Android apps

This thread could also be entitled "Watch where you get your Android". Google may provide the fix to your vendor, but most vendors have little motivation to actually test and roll out patches to your phone. Many vendors leave vulnerabilities like this unpatched for years.
by alanwbaker
Sun May 12, 2013 1:24 am
Forum: Personal Consumer Issues
Topic: smart phone with no "plan", can be use on wifi ?
Replies: 13
Views: 4552

Re: smart phone with no "plan", can be use on wifi ?

I use Airvoice Wireless's $10 a month plan https://www.airvoicewireless.com/plans-2/10-plan/. It's not quite free but it's in Boglehead range and you get an AT&T phone number, voice minutes, text, and data.

Alan
by alanwbaker
Mon Apr 08, 2013 1:33 am
Forum: Investing - Theory, News & General
Topic: Muni bonds, tax bracket, and effective tax rate
Replies: 11
Views: 1306

Muni bonds, tax bracket, and effective tax rate

Muni bonds can be useful for an individual with a high income; not so much for an individual with a low income. At what tax bracket or effective tax rate do you think muni bonds become attractive for a resident of (say) California?
by alanwbaker
Sat Mar 30, 2013 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Choosing the "right" international allocation
Replies: 48
Views: 5213

Re: Choosing the "right" international allocation

It all comes down to whose advice you trust. 8-) Morningstar suggests a range of 3.7% to 37% based on age: http://corporate.morningstar.com/US/documents/MarketingOneSheets/AssetAllocationsSummary.pdf . Burton Malkiel, author of "A Random Walk Down Wall Street", recommends 28%: http://gregmankiw.blog...
by alanwbaker
Sun Mar 24, 2013 1:17 pm
Forum: Personal Consumer Issues
Topic: Nexus 4
Replies: 31
Views: 7591

Re: Nexus 4

Are you a heavy or light user of the cellular network? If you are a minimalist, consider Airvoice Wireless with that Nexus 4--they have a $10-a-month rate. See http://en.wikipedia.org/wiki/List_of_United_States_mobile_virtual_network_operators for a list of such MVNO's that use the physical networks...
by alanwbaker
Sun Mar 17, 2013 10:02 pm
Forum: Personal Consumer Issues
Topic: Buying a car through Costco
Replies: 34
Views: 12666

Re: Buying a car through Costco

The best deals come from a fleet manager. They are motivated by volume, not profit-per-car. Timing is also important--end of the month/end of the quarter is best because that's when they have to make their numbers. http://alanbaker.net/cars/byemail.html describes how I saved a lot on my last car pur...
by alanwbaker
Tue Dec 11, 2012 4:14 am
Forum: Personal Consumer Issues
Topic: Moving with a pet by airplane
Replies: 24
Views: 3223

Re: Moving with a pet by airplane

Hi paulsiu, My cat travels coast to coast twice a year with stopovers--over 20 flights so far. My suggestions: [*] You can register the cat with the airline anytime before the flight, but sooner is better because there is a maximum number of in-cabin pets per flight. Airline charges vary widely. [*]...
by alanwbaker
Tue Dec 11, 2012 3:27 am
Forum: Personal Consumer Issues
Topic: Best laptop for fast internet connection
Replies: 20
Views: 4414

Re: Best laptop for fast internet connection

I would prefer a 14" or 15" screen. I currently have a 11" Lenovo X130e that is way too slow to connect to work and the screen is too small to do real work Hi too analytical, TOO SMALL: The vertical resolution of your 11" x130e is 768p. To get any real benefit from going to a 14" or 15" screen you ...