Search found 130 matches

by connya
Wed Dec 25, 2013 11:10 pm
Forum: Investing - Theory, News & General
Topic: How long to open TreasuryDirect acct & purchase 1st ibonds?
Replies: 17
Views: 1825

Re: How long to open TreasuryDirect acct & purchase 1st ibon

When I opened my account this past April, TD required me to mail them a Medallion signature guarantee from my bank before I could buy anything. I don't have the slightest recollection how long it took for them to process it, but I would be surprised if you made it before Jan 1. Aside from the guaran...
by connya
Mon Dec 23, 2013 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Financial 'Regrets' for 2013
Replies: 60
Views: 6439

Re: Financial 'Regrets' for 2013

I have done some math, and my regrets are spending. Ironically, we often focus on razor thin differences in expense ratios. For me, saving a little more would blow away expense ratio issues. So, I wish I would have spent a little less. +1 I spent quite a bit of time researching and minimizing expen...
by connya
Mon Dec 09, 2013 9:00 am
Forum: Personal Consumer Issues
Topic: What your your favorite/recommended CLASSIC (old/free) books
Replies: 54
Views: 4310

Re: What your your favorite/recommended CLASSIC (old/free) b

A Connecticut Yankee in King Arthur's Court is the best Twain book I've ever read and the only classic that was actually funny. The gradual darkening of the tone and the direction of the plot makes it much, much more than just a funny book, though. It contends with The Count of Monte Cristo for one ...
by connya
Tue Dec 03, 2013 11:26 am
Forum: Investing - Help with Personal Investments
Topic: It's been a year. New portfolio thread.
Replies: 16
Views: 2821

Re: It's been a year. New portfolio thread.

My wife's 401k is almost as bad as yours. I have realized that in a lineup like this, there is only one fund that isn't seriously hurt by such a high expense ratio, since it won't return much of anything and won't fall below your original investment(*). That is your money market fund. Total Bond can...
by connya
Sat Sep 28, 2013 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Is a hand-written Federal tax return an audit magnet?
Replies: 32
Views: 10221

Re: Is a hand-written Federal tax return an audit magnet?

Many people use the PDF format tax forms available on the IRS website. You can fill in the forms using your computer and then print them. http://www.irs.gov/Forms-&-Pubs To make this even easier, the IRS offers a free-to-anyone system called Free Fillable Forms. It is similar to just filling out PD...
by connya
Tue Sep 24, 2013 9:05 am
Forum: Investing - Help with Personal Investments
Topic: Help Analyzing Rental Properties
Replies: 6
Views: 1233

Re: Help Analyzing Rental Properties

Both posts are very helpful! SeattleCPA, your first article has made the analysis very clear. I am still not sure how I turn these numbers into a "sell" or "don't sell" decision. Does this mean that with no equity in one property, there is really no lost opportunity cost and no reason to sell that p...
by connya
Mon Sep 23, 2013 2:47 pm
Forum: Investing - Theory, News & General
Topic: Advisers Are Dead Even On Market Timing
Replies: 12
Views: 1665

Re: Advisers Are Dead Even On Market Timing

The total market has outperformed the S&P 500 since 2006. Does that mean this pool of advisers has underperformed the total market even before costs?
by connya
Mon Sep 23, 2013 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Help Analyzing Rental Properties
Replies: 6
Views: 1233

Help Analyzing Rental Properties

Several years ago I invested in a couple of small rental properties. I had (and have) no idea what I was doing and did it mainly because "it just seemed like a good idea." I am now trying to figure out if it was a good idea or not, and if not, what I should do. Property A: Little or no equity, 14 ye...
by connya
Thu Sep 19, 2013 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with $300,000 cash?
Replies: 8
Views: 2768

Re: What to do with $300,000 cash?

At such a high tax bracket it is worth considering Vanguard's Tax Managed International fund rather than Total International for your taxable accounts.

http://www.bogleheads.org/wiki/Tax-mana ... comparison
by connya
Thu Sep 19, 2013 4:00 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation via Stochastic Dynamic Programming
Replies: 19
Views: 2592

Re: Asset Allocation via Stochastic Dynamic Programming

Thanks for the response, and thanks for putting together such an interesting tool! Getting rid of international did solve my problem - however the birth dates I selected were around 1985. You list international as being available from 1970 so it should be able to include that data.
by connya
Thu Sep 19, 2013 11:03 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation via Stochastic Dynamic Programming
Replies: 19
Views: 2592

Re: Asset Allocation via Stochastic Dynamic Programming

I am playing around with this site but must be doing something wrong. No matter what I enter for the life expectancy fields, I get the error "No data available for analysis start year."
by connya
Thu Sep 19, 2013 10:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard Growth Investors!
Replies: 34
Views: 5591

Re: Vanguard Growth Investors!

One should say, "you have to be willing to wait a long time to see the value premium". In reality, it hasn't taken me 100 years to benefit from it. Just a couple. Good to be skeptical, but some of the extreme skepticism(despite strong evidence) on this board Bogle's my mind. Rick Ferri has a great ...
by connya
Tue Sep 10, 2013 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Index Fund with 33% Turnover Rate?
Replies: 9
Views: 1605

Re: Index Fund with 33% Turnover Rate?

I think looking at performance of your fund vs. VXUS is more important than the turnover rate. Turnover rate really only matters in taxable accounts. This is not entirely true - turnover affects trading costs as well as capital gains, and the fund does NOT have to disclose those costs. In Common Se...
by connya
Mon Sep 09, 2013 4:24 pm
Forum: Investing - Theory, News & General
Topic: Playing the investment lottery
Replies: 6
Views: 1134

Re: Playing the investment lottery

I liked the article but see no reason to increase the complexity and/or expense of a portfolio to screen out 3% of U.S. stocks. Even with my 80/20 allocation that is an insignificant 1.2% of my entire portfolio.
by connya
Fri Sep 06, 2013 11:26 am
Forum: Investing - Theory, News & General
Topic: Rental real estate post - what's the catch?
Replies: 97
Views: 10179

Re: Rental real estate post - what's the catch?

In my experience, vacancy is the real killer of real estate property returns. Even one month of vacancy out of a year can seriously damage your annual return. +1 One of my properties has been vacant for five months. Even discounting the terrible effect on returns, this can create serious cash flow ...
by connya
Thu Aug 29, 2013 7:15 pm
Forum: Personal Consumer Issues
Topic: Can A Boglehead join a club?
Replies: 19
Views: 2504

Re: Can A Boglehead join a club?

TRC wrote:Why do so many people come to this site and ask for permission to spend money? Very odd.
Abe wrote:... just a bunch of mostly wannabe rich people sitting around bragging and trying to outdo each other.
Sorry, couldn't resist!
by connya
Sun Aug 18, 2013 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Worthwhile or a waste of time? [Advisor Solicitation]
Replies: 24
Views: 3575

Re: Worthwhile or a waste of time?

livesoft wrote:Here's what the "other side" discusses about plate lickers: http://cdn.financial-planning.com/forum ... ?p=1346611
Interesting read, thank you.
by connya
Thu Aug 15, 2013 7:18 pm
Forum: Personal Consumer Issues
Topic: Email, legal name or alias?
Replies: 21
Views: 3123

Re: Email, legal name or alias?

I don't see the sense in using a legal name as an email address unless it is a work-specific account. Family, friends, vendors, banks, etc should already know my name if we are exchanging emails. More anonymous uses like online games or forums don't (or shouldn't) care what my legal name is unless p...
by connya
Mon Aug 12, 2013 5:36 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Boglehead/HBPP Hybrid
Replies: 10
Views: 747

Re: Thoughts on Boglehead/HBPP Hybrid

The stock portion is quite heavily tilted toward international stocks relative to the Vanguard recommendation of 20%-40% of equities. You might want to read (and have your parents read) one of the Vanguard papers that discusses this to determine if such a heavy allocation to international stocks re...
by connya
Mon Aug 12, 2013 5:10 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Boglehead/HBPP Hybrid
Replies: 10
Views: 747

Re: Thoughts on Boglehead/HBPP Hybrid

The long-term treasury / short term TIPS mix sounds fine as the bond and cash portions of the PP, or as a barbell approach in a more traditional portfolio. I agree with avalpert and technovelist that without the gold, it doesn't make sense to call it a PP of any sort. I am a big fan of the Permanent...
by connya
Sun Aug 11, 2013 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Who manages your finances? Him/Her/Both?
Replies: 58
Views: 4267

Re: Who manages your finances? Him/Her/Both?

I am curious what "Other" could mean.
by connya
Fri Aug 09, 2013 5:48 pm
Forum: Investing - Theory, News & General
Topic: What do you use your standard Savings/Share account for?
Replies: 18
Views: 1472

Re: What do you use your standard Savings/Share account for?

I use it for short term expected expenses (beyond normal monthly expenses). Upcoming tuition payments for the next few years, IRA funding (I like to save monthly so in April I can contribute the full amount), saving for another car. Saving for a house payment, someday. Each of these get an automatic...
by connya
Thu Aug 08, 2013 7:12 pm
Forum: Investing - Theory, News & General
Topic: Next step: the no-index index fund
Replies: 38
Views: 4540

Re: Next step: the no-index index fund

From the SEC's website: The laws and rules that govern the securities industry in the United States derive from a simple and straightforward concept: all investors, whether large institutions or private individuals, should have access to certain basic facts about an investment prior to buying it, an...
by connya
Sun Aug 04, 2013 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: Odd 401k question
Replies: 13
Views: 1609

Re: Odd 401k question

The employer deducts the pre-tax contribution from your wages before you even get your W-2, so you don't get to decide what to claim as pre-tax or post-tax. If you can't convince your current employer to accept the post-tax contribution, I agree that you are out of luck.
by connya
Sun Aug 04, 2013 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Tried to make custom portfolio
Replies: 13
Views: 1245

Re: Tried to make custom portfolio

Tracking error in your case would be the difference between your value and emerging market tilted portfolio and a market-weighted portfolio. The small and value premiums may exist over the long run, but they can often take a long time to show up. You need to be prepared to watch your tilted portfoli...
by connya
Fri Jul 12, 2013 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Feeling trapped in a dead-end finance job
Replies: 28
Views: 4847

Re: Feeling trapped in a dead-end finance job

If you are in a state the requires a masters degree to be a CPA, the costs certainly could be higher but I think your $100K estimate for the schooling is very high. I agree, it is very high. CPA certification in Massachusetts only requires 30 specific credits beyond the finance degree you already h...
by connya
Fri Jul 12, 2013 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Why not pay credit card bill as soon as it arrives?
Replies: 69
Views: 7015

Re: Why not pay credit card bill as soon as it arrives?

Aside from the checking account interest and the extra couple thousand to invest, putting all nonrecurring monthly expenses on a CC and not paying it off immediately makes planning much easier. At the beginning of every month, I know exactly how much money needs to be in my checking account by the b...
by connya
Tue Jul 09, 2013 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Maximum number of Vanguard Funds per account?
Replies: 17
Views: 2267

Re: Maximum number of Vanguard Funds per account?

Why the restriction? Seems like a strange rule.
by connya
Mon Jul 08, 2013 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you store your emergency fund?
Replies: 33
Views: 3109

Re: Where do you store your emergency fund?

We can't max out our IRAs at the moment so most of it is there, split between Vanguard's MM fund and ST bond fund.

Ideally it would all be in I bonds minus a few thousand for a checking account buffer.
by connya
Wed Jun 26, 2013 3:52 pm
Forum: Investing - Theory, News & General
Topic: Sleepless in VAIPX(TIPS)
Replies: 12
Views: 2655

Re: Sleepless in VAIPX(TIPS)

Electron wrote:If all of our investments are doing well, we are not properly diversified.
Is the standard 3 fund (or 4 with TIPS) Boglehead portfolio not properly diversified, then? There have been many periods when all its core funds did well.
by connya
Wed Jun 19, 2013 7:59 pm
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 68
Views: 12285

Re: Would you buy Total World index if it had Admiral Shares

If I could fit all my equity in accounts with access to Total World, absolutely!
by connya
Tue Jun 18, 2013 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 43
Views: 8430

Re: Amana Portfolio Allocation

Any reason you wouldn't tilt a little more towards AMANX, say 60/30/10 That's fine too, but I don't think you should be too concerned with the growth or value factors. First of all, the difference is less pronounced in larger stocks, and your funds are overweight in large stocks. Second, with so fe...
by connya
Tue Jun 18, 2013 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 43
Views: 8430

Re: Amana Portfolio Allocation

I would like to point out that AMANX and AMAGX combined only hold about 130 securities. A heavy growth tilt may not be ideal but I would definitely hold equal weights of both funds just to get as much diversification as possible. Emerging markets at 20% sounds a little high for a portfolio that is a...
by connya
Tue Jun 18, 2013 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: jumpstart Roth contribution, or don't take the bait?
Replies: 15
Views: 1406

Re: jumpstart Roth contribution, or don't take the bait?

Bold mine. If I frontload emergency savings into a Roth (example 1), after 5 years I'd hope to expect to have more money overall than if I had kept cash in the emergency account (example 2), right? Or, perhaps what I'm missing is an understanding of how moving $5000 from taxable savings into a mone...
by connya
Tue Jun 18, 2013 10:38 am
Forum: Personal Finance (Not Investing)
Topic: What would you do with post tax income
Replies: 9
Views: 1167

Re: What would you do with post tax income

I would definitely not pay off the rental before the primary home, for several reasons. The interest rate on the rental is lower. Also, since you are able to take all your passive loss, the full amount of mortgage interest is deducted from your income. This will not be the case for your primary home...
by connya
Mon Jun 17, 2013 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Landlord: Am I Doing It Right?
Replies: 27
Views: 2513

Re: First Time Landlord: Am I Doing It Right?

If he owns 2 rental properties, especially out of state properties, you can bet he knows more about this than you do. What does he know that you don't? Why is this a good deal for him? This doesn't necessarily follow. I own out of state properties but rent my primary residence. I certainly don't kn...
by connya
Mon Jun 17, 2013 2:02 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Landlord: Am I Doing It Right?
Replies: 27
Views: 2513

Re: First Time Landlord: Am I Doing It Right?

If he owns 2 rental properties, especially out of state properties, you can bet he knows more about this than you do. What does he know that you don't? Why is this a good deal for him? This doesn't necessarily follow. I own out of state properties but rent my primary residence. I certainly don't kn...
by connya
Mon Jun 17, 2013 11:17 am
Forum: Investing - Theory, News & General
Topic: VTI or VIG as a core U.S Stock Market Holding
Replies: 27
Views: 8582

Re: VTI or VIG as a core U.S Stock Market Holding

I am not against tilting, but you start with the total market and then tilt, not starting with just a section of the market e.g. large blend, and then maybe tilt. Dave Adding say small value to total market is one way to do it. But starting with large blend and adding small value is also a tilt tow...
by connya
Sat Jun 15, 2013 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Relative newbie Portfolio Review, please!
Replies: 19
Views: 1842

Re: Relative newbie Portfolio Review, please!

The reason why I wanted to get some money in the market and stop paying off debt as aggressively (and you can tell me if this makes sense) is that my debt is all real estate so I see paying off my debt as the same thing as investing in real estate. From this point of view I feel like I have a wildl...
by connya
Mon Jun 10, 2013 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Approximating Total Stock Market with ING Funds
Replies: 15
Views: 1860

Re: Approximating Total Stock Market with ING Funds

If you will have a Roth IRA soon, I recommend using only INGIX Large Cap until your IRA is available. Adding two funds with higher ERs (by 0.2%) does not sound worthwhile as your completed portfolio is going to perform similarly to the S&P 500 anyway. Just wait until you can round it out with a sing...
by connya
Sun Jun 09, 2013 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: First Post Ever, Intro and Question [Tax basis for property]
Replies: 8
Views: 827

Re: First Post Ever, Intro and Question [Tax basis for prope

I had also read that the value of improvements would be the cost estimated for a qualified contractor to do the work, even if I do it myself. Question: Is this true for a) establishing a new basis, b) repairs or improvements once it is a rental, c) both, or d) neither? The answer to your question i...
by connya
Sun Jun 09, 2013 2:52 pm
Forum: Investing - Theory, News & General
Topic: Scottrade [Introduces DRIP (Dividend ReInvestment Plan)]
Replies: 18
Views: 3401

Re: Scottrade [Introduces DRIP (Dividend ReInvestment Plan)]

I am transferring a Scottrade account right now and they do charge the $75 exit fee that is listed on the fee schedule.

Scottrade tried to introduce some commission-free index ETFs, but they didn't last. Now that those are gone I don't really see any reason to stick with Scottrade.
by connya
Wed Jun 05, 2013 5:02 pm
Forum: Investing - Theory, News & General
Topic: Santoli [Yahoo Finance Article]
Replies: 11
Views: 1539

Re: Santoli [Yahoo Finance Article]

Summary: --------- Lauren Lyster says that the stock market selloff in May (Sell in May, Go Away) was not actually very strong, and the stock market was actually up in May, and ask how to reconcile this with the conventional Sell in May "wisdom". Santoli says that all that rule says is that May thro...
by connya
Wed Jun 05, 2013 3:57 pm
Forum: Personal Consumer Issues
Topic: Worried about Credit Card Rewards Disappearing
Replies: 9
Views: 1576

Worried about Credit Card Rewards Disappearing

I will be applying for a couple of credit cards in the near future and am trying to decide which cards to get. I am worried about the deals I want disappearing, though. In particular, I want one card with good cash rewards for dining. US Bank Cash+ gives you a list of categories. Each quarter you ch...
by connya
Tue Jun 04, 2013 10:38 am
Forum: Investing - Theory, News & General
Topic: Are Bogleheads reducing duration of bond holdings?
Replies: 15
Views: 3297

Re: Are Bogleheads reducing duration of bond holdings?

If I am mistaken please tell me, but I can't see any reason for moving to short term bonds or money markets besides timing the market or addressing short-term financial needs. Some people follow Larry's rule-of-thumb of demanding an extra 0.20% in yield for each additional year in duration. Since t...
by connya
Tue Jun 04, 2013 9:59 am
Forum: Investing - Theory, News & General
Topic: Are Bogleheads reducing duration of bond holdings?
Replies: 15
Views: 3297

Re: Are Bogleheads reducing duration of bond holdings?

Fractional semantics aside, I can't understand the rationale behind shortening duration unless 1) you need the funds in less than 6 years as Landy pointed out or 2) you are moving into CD's. Going into a short term bond fund or a money market does not sound like a winning strategy unless you do succ...
by connya
Sat Jun 01, 2013 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating Total International Stock Index
Replies: 9
Views: 1158

Re: Approximating Total International Stock Index

I agree that emerging markets are not worth buying into for over 1% ER. If you are not even planning on overweighting them, they will have little impact on your portfolio. How much of your total portfolio would actually be in EM if you went with option 2? 8%? 5%? It's kind of like TSM vs the S&P 500...
by connya
Fri May 31, 2013 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Denied for bankruptcy that isn't on my credit report
Replies: 17
Views: 4559

Re: Denied for bankruptcy that isn't on my credit report

However, I would (without scientific evidence) assume that somebody willing to go bankrupt once would be more like to do it again than somebody who never had. Maybe I am incorrect. From 2006: The study found that 16% of filings nationwide were repeat filings, and 8% of filers were repeat filers. ht...
by connya
Fri May 31, 2013 5:51 pm
Forum: Investing - Theory, News & General
Topic: What's the right allocation to international bonds?
Replies: 39
Views: 4509

Re: What's the right allocation to international bonds?

How did they come up with the 20% recommendation?