Search found 450 matches

by donaldfair71
Thu Jun 13, 2019 7:49 am
Forum: Investing - Theory, News & General
Topic: Karsten (Early Retirement Now) Pens a Challenge to Merriman and the Small/Value Premium
Replies: 44
Views: 3801

Re: Karsten (Early Retirement Now) Pens a Serious Challenge to Merriman and the Small/Value Premium

As in most reasonably diversified portfolios with similar stock/fixed, the best return will come from the person who stayed the course. Because once you get to debating reasonable approaches, nobody knows nothing.
by donaldfair71
Mon Jun 10, 2019 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy a house in Nova/DC area?
Replies: 23
Views: 2042

Re: Should I buy a house in Nova/DC area?

Haymarket/Gainesville will get you more bang for the buck. Though I don't know how thrilled you'd be with that bus ride/drive.
by donaldfair71
Fri Jun 07, 2019 9:10 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with people who are not living boglehead way of life
Replies: 45
Views: 2725

Re: how to deal with people who are not living boglehead way of life

I am 36, single guy and consider myself boglehead but i live around people who never heard about boglehead way of life. My question is, what you can you do to help when a person/people close you (family member, friends) keep making financial mistake one after another. Examples, people around me don...
by donaldfair71
Fri Jun 07, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with people who are not living boglehead way of life
Replies: 45
Views: 2725

Re: how to deal with people who are not living boglehead way of life

I am 36, single guy and consider myself boglehead but i live around people who never heard about boglehead way of life. My question is, what you can you do to help when a person/people close you (family member, friends) keep making financial mistake one after another. Examples, people around me don...
by donaldfair71
Fri Jun 07, 2019 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Attn: teachers....Daughter considering 80% teaching position. Good idea?
Replies: 64
Views: 4960

Re: Attn: teachers....Daughter considering 80% teaching position. Good idea?

I teach and we have some 80% positions in our corporation. They don't become 100% positions because in our small school the need is not there. I have no idea what it is like where your daughter would teach, but I'd say give it a shot if that's the school she wants to be in. With her degree she shou...
by donaldfair71
Thu Jun 06, 2019 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Attn: teachers....Daughter considering 80% teaching position. Good idea?
Replies: 64
Views: 4960

Re: Attn: teachers....Daughter considering 80% teaching position. Good idea?

I teach and we have some 80% positions in our corporation. They don't become 100% positions because in our small school the need is not there. I have no idea what it is like where your daughter would teach, but I'd say give it a shot if that's the school she wants to be in. With her degree she shou...
by donaldfair71
Thu Jun 06, 2019 10:35 am
Forum: Personal Finance (Not Investing)
Topic: Attn: teachers....Daughter considering 80% teaching position. Good idea?
Replies: 64
Views: 4960

Re: Attn: teachers....Daughter considering 80% teaching position. Good idea?

My daughter just got an M. Ed. in Biology and has had numerous desirable job offers. The job she is most interested in is only offering her an 80% teaching (and salary) position for the first year (teaching HS biology). Starting salaries at the other schools are $50K. She would make $40K year one a...
by donaldfair71
Thu Jun 06, 2019 9:58 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7533

Re: US stocks still look better than anywhere else

I don't get it. If the market is even a little bit efficient, how can international have inferior returns week after week after week? If it was like a sudden correction once due to new information that would be one thing. But I play a game where I look at VTI and ask "ok how much worse is internati...
by donaldfair71
Thu Jun 06, 2019 9:56 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7533

Re: US stocks still look better than anywhere else

Here we go on the U.S./ex. U.S. merry-go-round again. "Bogle was right! Ex-U.S. has gone nowhere for decades! The U.S. is the cat's meow!" etc. etc. "Bogle was just lucky. The EMH says that everything is priced in. You just believe in the ridiculous American 'exceptionalism' argument and past perfo...
by donaldfair71
Thu Jun 06, 2019 8:58 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7533

Re: US stocks still look better than anywhere else

Quantify “growth”. Plenty of data available showing that the US has merely pushed off/delayed the inevitable; stagnation thanks largely in part to accommodating policies and a select, high-flying equity sectors. America is not immune to the same issues being dealt around other areas of the world......
by donaldfair71
Thu Jun 06, 2019 8:49 am
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 7533

Re: US stocks still look better than anywhere else

Here we go on the U.S./ex. U.S. merry-go-round again. "Bogle was right! Ex-U.S. has gone nowhere for decades! The U.S. is the cat's meow!" etc. etc. "Bogle was just lucky. The EMH says that everything is priced in. You just believe in the ridiculous American 'exceptionalism' argument and past perfo...
by donaldfair71
Wed Jun 05, 2019 10:38 pm
Forum: Personal Investments
Topic: Merriman Aggressive Glide Path
Replies: 21
Views: 1458

Re: Merriman Aggressive Glide Path

I guess my question is, what are you trying to do here? The beauty of the Trev 4 Fund is that, for merriman advocates like us, it has been shown to mirror the more slice and diced portfolio but with more simplicity. That's fine, I get that much. I 4 Fund my taxable account. Then you want to tilt fur...
by donaldfair71
Tue Jun 04, 2019 11:55 am
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2626

Re: Any TV guys out there?

Thegame14 wrote:
Tue Jun 04, 2019 11:53 am
we aren't buying it from Best buy, someone in town bought it from there 5 months ago but now wants a bigger TV, so selling it to use at a reduced price.
Gotcha!
by donaldfair71
Tue Jun 04, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Any TV guys out there?
Replies: 35
Views: 2626

Re: Any TV guys out there?

My issue wouldn't be the TV, it's fantastic.

My issue is buying it at Best Buy. They have to be able to beat Costco on a similar TV, while including a 3 year extended warranty, since that comes standard at Costco when I use my Costco Citi.
by donaldfair71
Sun Jun 02, 2019 3:38 pm
Forum: Personal Investments
Topic: Socially responsible investing
Replies: 27
Views: 4011

Re: Socially responsible investing

Nuveen has a line if ETFs that are ESG and have ERs between .35-.45. You can invest in about 10 different asset classes. M1 uses them for their socially-responsible preset portfolio.
by donaldfair71
Fri May 31, 2019 7:05 pm
Forum: Personal Investments
Topic: For those of us that can't max contribute
Replies: 74
Views: 6923

Re: For those of us that can't max contribute

OP, a little late to this party on fees available, but can you confirm 100% that there are no wrap fees in your 403b plan? These are hard to find, and don't attached themselves to the Expense Ratio. Instead, they are typically charges by the custodian (my 403b has institutional Vanguard funds that ...
by donaldfair71
Thu May 30, 2019 8:10 am
Forum: Personal Investments
Topic: For those of us that can't max contribute
Replies: 74
Views: 6923

Re: For those of us that can't max contribute

Interesting that you would max 403b first before Roth IRA. What's the reasoning behind this? That's because your 403b offers excellent institutional index funds with very low expense ratios, lower than you could get in an IRA at Vanguard. Your 403b offers Vanguard Institutional Target Retirement fu...
by donaldfair71
Thu May 23, 2019 7:58 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17436

Re: VTSAX or VTWAX over the next 35 years?

If I am to assume that I can get diversified internationally by investing in American companies, it makes sense then that to get truly diversified domestically, I need to invest internationally, no? If I get French exposure because Apple sells IPhones in Paris, doesn't it assume that I am missing so...
by donaldfair71
Wed May 22, 2019 9:10 am
Forum: Investing - Theory, News & General
Topic: Is there a FAANG ETF?
Replies: 37
Views: 3071

Re: Is there a FAANG ETF?

5 individual companies is pretty easy to allocate the same amount of money to each and just buy individually. If you considering enough capital the $5 trade for each ($25) to buy is probably cheaper than the management fee from an ETF. This does not indicate approval of individual stock selection o...
by donaldfair71
Tue May 21, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: FIRE - What am I missing in the News Stories
Replies: 223
Views: 14325

Re: FIRE - What am I missing in the News Stories

I guess they think there isn't any stress in low paying jobs but I would argue quite the reverse. Oddly, it seems low paying jobs frequently have lots of stress. It seems they need a class in stress management not a new job bagging groceries. I am confused. :shock: :shock: Low paying jobs are stres...
by donaldfair71
Tue May 21, 2019 7:39 am
Forum: Investing - Theory, News & General
Topic: ETFs: exact dollar amount
Replies: 12
Views: 972

Re: ETFs: exact dollar amount

M1 Finance +1 nice interface. I use it to buy a set % allocation but you can game it into purchase assets by $ amount. Does M1 support specific lot identification for selling? Or do you have to rebalance the pie? I may want to tax loss harvest between VTI and SCHB. Can that be done on M1? It does n...
by donaldfair71
Tue May 21, 2019 7:32 am
Forum: Investing - Theory, News & General
Topic: ETFs: exact dollar amount
Replies: 12
Views: 972

Re: ETFs: exact dollar amount

MotoTrojan wrote:
Tue May 21, 2019 2:10 am
HEDGEFUNDIE wrote:
Mon May 20, 2019 11:16 pm
M1 Finance
+1 nice interface. I use it to buy a set % allocation but you can game it into purchase assets by $ amount.
+2 I think it is where the industry is headed (partial ETF shares, a sleek interface that makes it easy to find products).
by donaldfair71
Sat May 18, 2019 8:20 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads on Investing" podcast stats and guests
Replies: 17
Views: 2025

Re: "Bogleheads on Investing" podcast stats and guests

This podcast goes to the front of the queue when it's released every month. I personally really liked two points of discussion from Dr. Gray: Your discussion about creating a way for the ultra wealthy to create their own ETF in order to offload capital gains. It would never apply to me, but just a t...
by donaldfair71
Fri May 17, 2019 12:14 pm
Forum: Investing - Theory, News & General
Topic: how do Tariffs impact your portfolio?
Replies: 25
Views: 1329

Re: how do Tariffs impact your portfolio?

I don't know enough about any of that. I'm sure they do but I can't do anything about it so I just don't change anything I otherwise wouldn't have.
by donaldfair71
Fri May 17, 2019 9:16 am
Forum: Personal Consumer Issues
Topic: Guidance on choosing between UMich and Brown
Replies: 102
Views: 5484

Re: Guidance on choosing between UMich and Brown

Sconie wrote:
Thu May 16, 2019 9:53 pm
Just fwiw, I view Brown as significantly more prestigious than U of MI.
But that's only because Brown is significantly more prestigious than the U of M.
by donaldfair71
Fri May 17, 2019 6:00 am
Forum: Personal Investments
Topic: Is a bad idea to own vtsax and qqq?
Replies: 14
Views: 1595

Re: Is a bad idea to own vtsax and qqq?

As the title says, is a bad idea to own both vtsax and qqq? I already have vtsax in taxable account. I'll answer this way: I can't think of any GOOD reasons for an investor to own QQQ at all. Can you? I agree with you 100%. Having said that, I was listening to the Trillions podcast yesterday and th...
by donaldfair71
Wed May 15, 2019 11:53 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17436

Re: VTSAX or VTWAX over the next 35 years?

VTSAX or VTWAX over the next 35 years? That's Vanguard Total Stock Market Index Fund or the Vanguard Total World Stock Index Fund. What do you think? This is an easy question to answer. Either VTSAX (Vanguard Total Stock Market Index Fund Admiral Shares) or VFIAX (Vanguard 500 Index Fund Admiral Sh...
by donaldfair71
Mon May 13, 2019 4:45 pm
Forum: Personal Investments
Topic: Email to my Edward Jones Rep
Replies: 46
Views: 4231

Re: Email to my Edward Jones Rep

This feels a lot like when I have to make cuts as a basketball coach. On one hand you think you're being a nice guy dragging it out and softening the blow to a person you don't want to hurt. On the other hand, once you say "we can't keep you", everything else you say gets forgotten anyway. Just move...
by donaldfair71
Fri May 10, 2019 4:57 pm
Forum: Investing - Theory, News & General
Topic: Thinking of switching from Vanguard to Schwab Intelligent Portfolios
Replies: 28
Views: 3059

Re: Thinking of switching from Vanguard to Schwab Intelligent Portfolios

https://planvisionmn.com/

$96/year. About 1/4 what you'd pay with Schwab. This guy is an indexing advocate and while I don't use him, I know people who do and think he does a great job.
by donaldfair71
Fri May 10, 2019 12:39 pm
Forum: Personal Consumer Issues
Topic: Good town to stop on I-81
Replies: 42
Views: 3275

Re: Good town to stop on I-81

Regularly make the drive from CLT to Charlottesville. Always go I85 CLT -> Greensboro then US29 Greensbor -> Charlottesville. Much more pleasant drive without much travel time penalty. +3 on Staunton as a nice town to visit. Also consider the wine country around Crozet between Staunton and Charlott...
by donaldfair71
Fri May 10, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 59
Views: 5929

Re: Cell Phone Plan/Carrier Recommendation?

Another Total Wireless user here. Look at Verizon's coverage map that shows red and pink areas. Total Wireless is only the red area, not the pink area. I would look at coverage maps for all the other carriers and see what works for you. Then, find a good MVNO for that network, and see if they offer...
by donaldfair71
Fri May 10, 2019 7:35 am
Forum: Personal Consumer Issues
Topic: Cell Phone Plan/Carrier Recommendation?
Replies: 59
Views: 5929

Re: Cell Phone Plan/Carrier Recommendation?

HEAVY users: Straight Talk Wireless. 25 GB/Month for 45$.

Regular users: Total Wireless. Really good plans, especially with multiple lines.

I believe they are both owned by Tracfone.

I can attest that Straight Talk allows visual voice mail on iPhone.
by donaldfair71
Thu May 09, 2019 11:48 am
Forum: Personal Consumer Issues
Topic: Good town to stop on I-81
Replies: 42
Views: 3275

Re: Good town to stop on I-81

Is there a lot of traffic (or heavy truck traffic) along this route (vs. I-95, say)? Thank you. No. There is truck traffic for sure, but unless there is an accident or roadwork, you should be in free sailing. Nothing like 95. Someone mentioned Skyline Drive and I second that for your biking. It's j...
by donaldfair71
Thu May 09, 2019 9:46 am
Forum: Personal Consumer Issues
Topic: Good town to stop on I-81
Replies: 42
Views: 3275

Re: Good town to stop on I-81

Surprised Winchester, Va hasn't been mentioned. The downtown area is straight southern charm (even though it's scraping the very northern tip of the "south"). Find Loudoun Street and take in the small town feel with a lot of modern amenities. Tons of restaurants, and the downtown is VERY dog friendly.
by donaldfair71
Thu May 09, 2019 9:43 am
Forum: Personal Consumer Issues
Topic: Good town to stop on I-81
Replies: 42
Views: 3275

Re: Good town to stop on I-81

As far as I'm concerned the whole stretch of I-81 in Virginia is a series of surprisingly nice towns (maybe I just had low expectations before getting to know them better). If you're looking smaller, Strasburg (near where I-66 east meets I-81) is adorable and has some cute (from the outside) B&Bs (...
by donaldfair71
Wed May 08, 2019 7:21 am
Forum: Investing - Theory, News & General
Topic: International Exposure — A Fresh Look at Your Stock Portfolio
Replies: 104
Views: 6727

Re: International Exposure — A Fresh Look at Your Stock Portfolio

Sometimes I feel like an International Investing Bot exists on BH, and throws out a post about once a month to get a rise out of every member of the site. It might be the topic of which people are most passionate about on here. But there is no right or wrong on it, which is why it can't be left alon...
by donaldfair71
Mon May 06, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: ants - aargh
Replies: 69
Views: 4104

Re: ants - aargh

I spray my home with Ortho Home Defense at first sight of them every Spring. It is easy cleanup, doesn't stain the carpet, and doesn't hurt the wall/baseboard. Really, in whatever room(s) I see them, I go inside and outside the base of that wall and I rarely see them much more. Generally, the proble...
by donaldfair71
Mon May 06, 2019 8:13 am
Forum: Personal Consumer Issues
Topic: Which US city would you move to?
Replies: 74
Views: 7199

Re: Which US city would you move to?

Family of 5, age 38, 36, 6, 3, 3 weeks. Income ~140K/year. I would move to Winchester, Va. I lived there for 2 years with my current wife when we were in our mid-late 20s. Loved it then, still love it, but work moved us an hour closer to DC. It's funny how life works out. Grew up in northwestern PA,...
by donaldfair71
Thu May 02, 2019 8:04 am
Forum: Personal Investments
Topic: Vanguard Free/Zero Funds
Replies: 43
Views: 4186

Re: Vanguard Free/Zero Funds

Jack FFR1846 wrote:
Thu May 02, 2019 7:53 am

...and are passing along the savings to us.
Not all of us. Not those who have been invested for decades in their total market index funds and wouldn't be prudent to sell because of tax consequences. When they easily could have done so.
by donaldfair71
Thu May 02, 2019 8:01 am
Forum: Personal Investments
Topic: Vanguard Free/Zero Funds
Replies: 43
Views: 4186

Re: Vanguard Free/Zero Funds

What's the general consensus if Vanguard will ever start offering 0% ER funds like Fidelity is now offering? I'm curious if Fidelity will continue it or if it's more of a bait and switch tactic. I doubt it, they have to run the funds at cost. Probably not a bait and switch. However, I have to say, ...
by donaldfair71
Wed May 01, 2019 1:39 pm
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 9369

Re: Series I Savings Bonds Buying Opportunity

When I'm wrong, well ... "I was wrong." The Treasury has surprised me in the past by setting odd-ball fixed rates on the I Bond. This one was maybe the biggest surprise, for me, because the data showed a fixed rate of 0.2% to 03% looked much more likely than staying at 0.5%. However, I applaud the ...
by donaldfair71
Wed May 01, 2019 8:06 am
Forum: Investing - Theory, News & General
Topic: Target Date Funds doing it backwards?
Replies: 44
Views: 4860

Re: Target Date Funds doing it backwards?

Is this just another article trying to push people towards investment advisors? They do say nothing can overcome inadequate saving ( over your working life ) or retiring too early. They didn't mention how difficult it can be for many to actually continue working as long as they'd like. "Paul Merrim...
by donaldfair71
Wed May 01, 2019 7:19 am
Forum: Investing - Theory, News & General
Topic: Too short of the time to make a judgement? FZROX/VTSAX
Replies: 14
Views: 1442

Re: Too short of the time to make a judgement? FZROX/VTSAX

I split my position at Fidelity on Aug 6. Today: FSKAX: $320,083.61 FZROX: $320,304.24 While I hold VTI, I have not tracked it against these 2. Thank you for always keeping us in the loop. While this amount of time is meaningless, it is still fascinating to see these numbers separate, diverge, etc.
by donaldfair71
Tue Apr 30, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers 21 ETF Expense Ratios
Replies: 76
Views: 7650

Re: Vanguard Lowers 21 ETF Expense Ratios

“Seriously” though, the direction Vanguard is heading, to become a ETF vendor with rock bottom prices, is very different than the company many of us started out with who looked to Vanguard as our financial home for recurring admiral mutual fund purchases, checking with Advantage, and access to Flag...
by donaldfair71
Tue Apr 30, 2019 8:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers 21 ETF Expense Ratios
Replies: 76
Views: 7650

Re: Vanguard Lowers 21 ETF Expense Ratios

“Seriously” though, the direction Vanguard is heading, to become a ETF vendor with rock bottom prices, is very different than the company many of us started out with who looked to Vanguard as our financial home for recurring admiral mutual fund purchases, checking with Advantage, and access to Flag...
by donaldfair71
Tue Apr 30, 2019 8:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard Lowers 21 ETF Expense Ratios
Replies: 76
Views: 7650

Re: Vanguard Lowers 21 ETF Expense Ratios

“Seriously” though, the direction Vanguard is heading, to become a ETF vendor with rock bottom prices, is very different than the company many of us started out with who looked to Vanguard as our financial home for recurring admiral mutual fund purchases, checking with Advantage, and access to Flag...
by donaldfair71
Wed Apr 24, 2019 10:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 935
Views: 93049

Re: "S&P 500 Index closes at record high"

The "record high" is indeed . . . . interesting. but what about next year's "record low". . . . or was it the following year. . . . . Trying hard to ignore the noise and the music. . . . . What I find great about "staying the course" is that I always have a reason to be happy with the market. When ...
by donaldfair71
Wed Apr 24, 2019 4:56 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 935
Views: 93049

Re: "S&P 500 Index closes at record high"

The "record high" is indeed . . . . interesting. but what about next year's "record low". . . . or was it the following year. . . . . Trying hard to ignore the noise and the music. . . . . What I find great about "staying the course" is that I always have a reason to be happy with the market. When ...
by donaldfair71
Wed Apr 24, 2019 4:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 935
Views: 93049

Re: "S&P 500 Index closes at record high"

Great news! Lots of "yeah, but" in this thread, but if we can't celebrate when investments reach high water marks, we're doing it wrong.
by donaldfair71
Sat Apr 20, 2019 11:43 am
Forum: Personal Consumer Issues
Topic: What's the lowdown on HVAC filters?
Replies: 21
Views: 1717

Re: What's the lowdown on HVAC filters?

The guy who installed our HVAC said to buy the cheapest filter and replace every month (we buy the ones that are $1-$2 each at Walmart. Got same advice. I get the cheapest I can find and change once a month. Got my furnace replaced in February and basically apologized for having the really cheap on...