Search found 258 matches

by ASUGrad
Mon Sep 22, 2014 8:30 pm
Forum: Investing - Theory, News & General
Topic: How stocks perform in recessions
Replies: 13
Views: 1764

Re: How stocks perform in recessions

Not really surprising at all. Stocks drop when it becomes apparent we will have a recession, but we don't actually have proof it happened until 3-6 months after the fact. So by the time we are actually in a recession stocks have already dropped, had a chance to realize that the recession "wasn'...
by ASUGrad
Sun Sep 21, 2014 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: HSA payroll deductions not being applied to my HSA
Replies: 7
Views: 954

Re: HSA payroll deductions not being applied to my HSA

That is VERY strange. If it was going to the wrong account it likely would have 'always' been going to the wrong account. Since it was initially going to the right one I doubt that is the problem. Did you happen to change the investments allocation? I know with my custodian they actually get differe...
by ASUGrad
Sat Sep 20, 2014 6:53 am
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 167
Views: 19323

Re: AliBaba

I won't be buying. 1. One of my favorite Buffett quotes, "It's almost a mathematical impossibility to imagine that, out of the thousands of things for sale on a given day, the most attractively priced is the one being sold by a knowledgeable seller (company insiders) to a less-knowledgeable buy...
by ASUGrad
Sat Sep 20, 2014 6:37 am
Forum: Investing - Theory, News & General
Topic: What evidence would prove the Boglehead mentality wrong?
Replies: 212
Views: 22074

Re: What evidence would prove the Boglehead mentality wrong?

A large majority of active managers outperforming the index, after fees, would be pretty decisive, but I don't much expect to see that. On the other hand, I already know I'm wrong, in the sense that I'm not 100.00000% correct, and that my portfolio is not optimal. Fortunately I'm content to be sati...
by ASUGrad
Sat Sep 20, 2014 6:12 am
Forum: Investing - Help with Personal Investments
Topic: Shuffling between TSP, Edward Jones, and Vanguard
Replies: 14
Views: 2173

Re: Shuffling between TSP, Edward Jones, and Vanguard

Not only are your EJ funds high expense, they are front-end loaded. Go to cash in the EJ account and then call Vanguard to initiate the transfer. I agree with everything, but there is no need to go to cash in advance. Vanguard should be able to do the transfer even if it is still in the funds and t...
by ASUGrad
Wed Sep 17, 2014 9:05 pm
Forum: Investing - Help with Personal Investments
Topic: Question about popularity of HSAs
Replies: 23
Views: 1980

Re: Question about popularity of HSAs

Hsa's hit the tax trifecta. Tax free in, tax free growth, tax free out ( when used for qualifying expenses). I don't know of any other investment vehicle that does that. You forgot one. It also ignores FICA taxes when you make contributions. Tax free going in + no FICA taxes. Tax free growth. Tax f...
by ASUGrad
Sat Sep 13, 2014 7:29 pm
Forum: Investing - Theory, News & General
Topic: Why do so many think their home is a foolproof investment?
Replies: 125
Views: 9090

Re: Why do so many think their home is a foolproof investmen

Lets just apply common sense to it. Why would a house go up in value? Its not magical... its bricks, wood, drywall, vinyl, etc. all built by semi skilled laborers. Unless the materials or labor skyrocket then the price to build a new home should remain pretty stable, with inflation. As long as you k...
by ASUGrad
Sat Sep 13, 2014 8:15 am
Forum: Personal Finance (Not Investing)
Topic: EJ Gadflies [Edward Jones]
Replies: 64
Views: 9134

Re: EJ Gadflies [Edward Jones]

There was a miscommunication. You see when you said you invest through Vanguard you were saying, "there is no chance in H%ll you will get my investments." But he heard, "I have money and I'm already comfortable with risk." He talks to a lot of people who don't have money, or who ...
by ASUGrad
Sat Sep 13, 2014 7:40 am
Forum: Investing - Theory, News & General
Topic: The dangerous practice of rebalancing...
Replies: 191
Views: 19168

Re: The dangerous practice of rebalancing...

Ignore the article except to poke fun at it. First rebalancing INTO risky assets during a falling market is exactly what you want to do. Its the best part of rebalancing. You are buying low! This article is also from marketwatch. Read the other stuff they have on there. Some of it.... most of it is ...
by ASUGrad
Sat Sep 13, 2014 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Interest rates - Bond effects?
Replies: 7
Views: 1198

Re: Interest rates - Bond effects?

Simple common sense answer that requires no math.

You have a bond paying 3%. Tomorrow a company issues a new bond that is the exact same as yours in every single way but it pays 4%. Now no one wants your bond. So in order to get their attention you have to sell your bond at a discount.
by ASUGrad
Wed Sep 10, 2014 4:50 pm
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 7470

Re: V6 or V8 engine for new Chrysler 300

I am thinking about buying a Chrysler 300, which comes with either a V6 or V8 engine. The V8 costs a little more and uses a little more gas and I don't really need that extra power, but will the V8 last much longer than the V6? If your asking questions about lasting longer why are you looking at a ...
by ASUGrad
Wed Sep 10, 2014 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 6069

Re: Bank Closing My Account With No Reason Given

I previously worked in a bank for years.

International wires going into an account and then being withdrawn immediately looks like money laundering. Especially if that is your only account activity.

They can close your account for that.
by ASUGrad
Mon Sep 08, 2014 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: Has a financial firm made a mistake with your money?
Replies: 52
Views: 4201

Re: POLL: Has a financial firm made a mistake with your mone

Tried thinking really really hard to find one. Never could think of one. On that note working in a bank for a few years I did 'see' plenty of errors. I'll even admit one was my fault, but it was minor(transferred money to savings from checking instead of from savings to checking) and fixed quickly w...
by ASUGrad
Mon Sep 08, 2014 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: take the quiz--test your 401(k) knowledge
Replies: 12
Views: 1455

Re: take the quiz--test your 401(k) knowledge

12/12

I did use a financial calculator on my phone to double check my educated guess on the question that required math. I was right :D .

I could see the average person getting more than a few wrong.
by ASUGrad
Sat Sep 06, 2014 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Own individual stocks? Advisor recommends 20% in blue chips?
Replies: 38
Views: 4169

Re: Own individual stocks? Advisor recommends 20% in blue ch

Index investing is great for accumulating wealth; however, you are fully invested at all times. Years when the market is overpriced or declining, no adjustment is made in the allocation whereas professional managers will make adjustments to protect the portfolio. Asset allocation has proven to be i...
by ASUGrad
Fri Sep 05, 2014 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 40
Views: 104740

Re: Where can I go to get a signature guarantee or Medallion

I heard from a friend who is a banker that Bank of America is no longer offering Medallions. They are phasing them out. Most ridiculous part is that Merrill Lynch(owned by BofA) still requires Medallions for various transactions. So they are having to send their own clients to other banks(where my o...
by ASUGrad
Fri Sep 05, 2014 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Why no more Vanguards
Replies: 36
Views: 5799

Re: Why no more Vanguards

How would a new mutually owned company come along and offer anything close to what Vanguard has now without the same economies of scale? Vanguard didn't have this problem in the beginning. They were the first to offer no load readily available index funds. So even though they didn't have economies o...
by ASUGrad
Wed Sep 03, 2014 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Best ROTH IRA Brokerage for 2014 onward?
Replies: 6
Views: 639

Re: Best ROTH IRA Brokerage for 2014 onward?

Depends.

If you're using Vanguard funds/ETFs anyway might as well be Vanguard. That would be my vote.
by ASUGrad
Tue Sep 02, 2014 9:32 pm
Forum: Investing - Help with Personal Investments
Topic: Has VMMXX been good to you?
Replies: 11
Views: 989

Re: Has VMMXX been good to you?

Its the cash account for a brokerage account so you can complete trades. Other than that it serves no use.
by ASUGrad
Wed Aug 27, 2014 10:07 pm
Forum: Personal Consumer Issues
Topic: Sick Building Syndrome (Electrical Pollution)
Replies: 17
Views: 1915

Re: Sick Building Syndrome (Electrical Pollution)

Could be worse. I read about a guy who use to work in IT around a lot of big servers, developed hypersensitivity so bad he had to move to the middle of no where and complains if people bring a mobile phone to his house. Of course he also said he could 'sense' if there was an electronic device within...
by ASUGrad
Wed Aug 27, 2014 9:40 pm
Forum: Personal Consumer Issues
Topic: Cell phone plan on cruise - direct experience?
Replies: 5
Views: 622

Re: Cell phone plan on cruise - direct experience?

Here is what I did on a cruise recently. The ship we were on charged X per day for wifi usage as long as you didn't go over a certain amount, or Y per minute to use the computers. The computers were so slow that Y ended up being a big number if you used them more than once a day so we just signed up...
by ASUGrad
Wed Aug 27, 2014 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Equivalent funds
Replies: 5
Views: 1032

Re: Tax Loss Harvesting Equivalent funds

EXMX (Extended Stock Market Index) --> NAESX (Vanguard Small-Cap Index Fund) The extended is a combination of small and mid caps. Shouldn't he add small and mid caps? On that note the total is equivalent of the 500+extended. So switch the total with 80% 500 index, then 20% add in small/mid caps for...
by ASUGrad
Tue Aug 26, 2014 7:59 pm
Forum: Personal Consumer Issues
Topic: GMail successfully hacked 92% of the time
Replies: 11
Views: 2460

Re: GMail successfully hacked 92% of the time

So basically what it does is that as long as you have the infected app running it steals anything you are doing. This isn't a gmail problem. Its an anything you are doing problem. Its basically like a key logger virus but it reads anything happening on the phone. It reads activity. First line of def...
by ASUGrad
Sun Aug 24, 2014 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Help with AA for 25 year old
Replies: 11
Views: 852

Re: Help with AA for 25 year old

FUSVX (Fidelity Spartan 500 Index Advtg) - 55% FSEVX (Fidelity Spartan Extnd Mkt Idx Advtg) - 10% FSIVX (Fidelity Spartan Intl Idx Advtg) - 25% FSITX (Fidelity Spartan US Bond Idx Advtg) - 10% Good idea. You are basically copying what a Vanguard Target fund would look like using Fidelity index fund...
by ASUGrad
Sat Aug 23, 2014 11:58 pm
Forum: Personal Consumer Issues
Topic: Is it me, or are "collectibles" worthless in 2014?
Replies: 79
Views: 9341

Re: Is it me, or are "collectibles" worthless in 2014?

Worst story I've heard was the guy who spent over 100k on Beanie babies thinking they would keep going up in value. I wonder if the same thing will happen to classic cars as boomers die. Will gen-x and younger want to buy the 1920's - 1970's cars that boomers collected? I don't see it happening. Dep...
by ASUGrad
Sat Aug 23, 2014 11:26 pm
Forum: Investing - Theory, News & General
Topic: Asset Allocation in Vanguard LifeStrategy Funds
Replies: 8
Views: 1691

Re: Asset Allocation in Vanguard LifeStrategy Funds

Yeah I like them because you know what you are getting and it is just about everything. Talk about diversification. I have the LS moderate in my HSA because the company charges maintenance fees by how many funds you have, and I think the LS income is a great alternative to CDs and short term bonds i...
by ASUGrad
Sat Aug 23, 2014 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for a car
Replies: 20
Views: 2521

Re: Saving for a car

My Cruze costs $138 per month with zero down. Please explain how your ride costs less. $138/month for ten years equals $16,560. That assumes there is NO inflation, and that a similar deal is available when you go to get a new lease at the end of each 3 year period. Thats pretty unlikely. A Chevy Cr...
by ASUGrad
Sat Aug 23, 2014 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Saving for a car
Replies: 20
Views: 2521

Re: Saving for a car

My plan to save for a car purchase in five years is to buy the intermediate term index bond fund VBILX and add $335 per month. Is there anything wrong with this plan or is there a better way? I actually do basically the same thing. After I paid off my current car I started putting my car payment in...
by ASUGrad
Fri Aug 22, 2014 11:48 pm
Forum: Investing - Theory, News & General
Topic: Can a Commodities Fund be a Long-Term Investment?
Replies: 45
Views: 4828

Re: Can a Commodities Fund be a Long-Term Investment?

But you aren't investing in commodities, you are investing in commodities futures. They behave differently. Plus, even pure commodities like gold don't have a negative expected real return, they have a zero expected real return. 1. Why would you invest in something that has a zero expected real ret...
by ASUGrad
Fri Aug 22, 2014 9:38 pm
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 36
Views: 4306

Re: Financial Advisor Compensation

You only hold Vanguard ETFs at a full service brokerage? What is the fee when you make trades? I know they aren't often, but there are plenty of people with buy & hold stock portfolios at full service brokers(before mutual funds became popular this was the rule rather than the exception). At man...
by ASUGrad
Tue Aug 19, 2014 9:58 pm
Forum: Personal Consumer Issues
Topic: Wash D.C. speed camera - how accurate?
Replies: 40
Views: 10577

Re: Wash D.C. speed camera - how accurate?

Now if your speedometer is inaccurate, I doubt that's an excuse in the case of the ticket, nor that the car/speedometer manufacturer carries any liability. This is most certainly an excuse! At least it has worked for me 'many' times in several states. I might have had a car that was a bit too power...
by ASUGrad
Tue Aug 19, 2014 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand my credit report
Replies: 14
Views: 2296

Re: Help me understand my credit report

"Number of accounts reported in the last 12 months" Side note: The fact that you have things on auto pay and the student loans don't have payments due yet doesn't matter. That just means all are being reported as 'current' which is exactly what you want. It doesn't hurt you. However, I wo...
by ASUGrad
Tue Aug 19, 2014 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 123
Views: 83784

Re: Hw many credit cards to own?

3. 2 cashback cards, and a store card which I only got because it was a several thousand dollar purchase so the perks for signing up for the card were financially 'worth' having an inquiry on my credit score. I only have two cash back cards because I had a regular card, then got a cash back card, an...
by ASUGrad
Mon Aug 18, 2014 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand my credit report
Replies: 14
Views: 2296

Re: Help me understand my credit report

"Number of accounts reported in the last 12 months" Its the total number of accounts you have open. It will even count some closed accounts. A very small number looks bad. Based on your post you have at least 4. I say at least because student loans often times count as multiple loans inst...
by ASUGrad
Mon Aug 18, 2014 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 45
Views: 21994

Re: Vanguard Index vs American Funds?

Actually you'll notice international did better between 2002-2008, and domestic has done better since. Might be a big reason that the listed funds did better over 10 year than the 500 index, but worse over the last 5 . Your graph perfectly explains why the American Funds' fund I was in (Fundamental...
by ASUGrad
Mon Aug 18, 2014 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index vs American Funds?
Replies: 45
Views: 21994

Re: Vanguard Index vs American Funds?

#3 I understand that past results are no guarantee of future returns. But if a fund or group of funds is able to consistently beat an index (fees included) over 10, 20, and 30-year rolling periods, would it be reasonable to say that it has a good chance of beating the index in the future given that...
by ASUGrad
Wed Aug 13, 2014 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 10388

Re: Fear of Disclosing Net Worth

I can't imagine the people saying to lie on credit applications. Not telling your banker/advisor 'all' the details is one thing. Lying on a mortgage or credit application is another. For example, on my mortgage application, I provided a partial list of assets. What? This advice might be harmful. Dep...
by ASUGrad
Wed Aug 13, 2014 5:49 pm
Forum: Investing - Help with Personal Investments
Topic: If only one Vanguard fund to invest in - what's your call?
Replies: 67
Views: 13268

Re: Target Fund glide paths.

I can never change. Well thats easy. Target Retirement X. X being which makes the most sense after I compare the glide paths in a lot of detail. ASUGrad: Don't get hung-up on "glide paths." Target Funds should normally be in tax-advantaged accounts. This means that you can easily exchange...
by ASUGrad
Tue Aug 12, 2014 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: If only one Vanguard fund to invest in - what's your call?
Replies: 67
Views: 13268

Re: If only one Vanguard fund to invest in - what's your cal

I can never change. Well thats easy. Target Retirement X. X being which makes the most sense after I compare the glide paths in a lot of detail.

The thing auto rebalances, owns just about 'everything', and becomes more conservative over time.
by ASUGrad
Sun Aug 10, 2014 3:07 pm
Forum: Investing - Theory, News & General
Topic: Moving Average Backtest destroys Buy/Hold. Try for yourself.
Replies: 59
Views: 8730

Re: Moving Average Backtest destroys Buy/Hold. Try for yours

I don't trust any strategy unless I know 'why' it works. After a lot of 'backtesting' I know why this one works. Its amazing I tell you! It sends sell signals and the start date is Jan 2000! How amazing a strategy![sarcasm] It assumes you are 'out' of the market most of 2000-2003, and then it has yo...
by ASUGrad
Sun Aug 10, 2014 2:41 pm
Forum: Investing - Theory, News & General
Topic: Blog: Vanguard Personal Advisor Services
Replies: 35
Views: 14906

Re: Blog: Vanguard Personal Advisor Services

Lets say an investor wants to invest in 12 ETFs in His Roth IRA with $110,000 cash balance. 7 are Vanguard ETFs. The other 5 ETFs would cost $35 each time shares are bought. If buys are made 10 times a year (total $350) where is the savings? How will Vanguard Personal Advisory Service then compete ...
by ASUGrad
Sun Aug 10, 2014 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Fear of Disclosing Net Worth
Replies: 60
Views: 10388

Re: Fear of Disclosing Net Worth

Only slightly off topic, I note that many posters tell Vanguard about their outside investments and do so in spite of any fears about Bill McNabb calling them on the phone. We had a complete review by VG done 10 years ago. Some of the outside assets have been liquidated and consolidated with VG alr...
by ASUGrad
Sat Aug 09, 2014 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: FICO to raise credit scores
Replies: 11
Views: 2128

Re: FICO to raise credit scores

For clarification the way I read it does not imply they are raising everyone's scores. They are fixing a fairly obvious glitch in the way they monitor credit that was really hurting people with otherwise great credit. Basically failing to pay a ticket for running a red light or a medical bill that w...
by ASUGrad
Fri Aug 08, 2014 7:30 pm
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 7450

Re: When is a 3.75% load worth it?

"When is a 3.75% load worth it?"

NEVER. And I'll explain why with a one word five letter answer that has nothing to do with the performance of the fund, whether it will continue to do well, index VS active, etc.

PIXDX


Same fund, no front end load. :D
by ASUGrad
Fri Aug 08, 2014 6:14 pm
Forum: Investing - Theory, News & General
Topic: American Funds' Active Investing Whitepaper
Replies: 22
Views: 4257

Re: American Funds' Active Investing Whitepaper

I''m the type of person who has to figure things out. I have a feeling figuring this out is linked to.. "Rolling monthly periods ended 12/31/13" & "Both fund and index annualized returns reflect the average of the average annual total returns for all periods. Data from published s...
by ASUGrad
Wed Jul 30, 2014 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I become a CFP?
Replies: 27
Views: 6236

Re: Should I become a CFP?

Thank you for the information ASUGrad! Do you know if a BA and/or employment in the field is required to sit for the series 7 exam? ~Moshe You don't need a college education, but it obviously helps. I actually know people with no college education who have sat for the Series 7 and passed. However m...
by ASUGrad
Wed Jul 30, 2014 9:45 pm
Forum: Investing - Theory, News & General
Topic: PE10
Replies: 13
Views: 1838

Re: PE10

m The shiller CAPE PE10 ratio has only below 15(clear buy) in between the late 70s and late 80s. So I agree with the article. In short it is almost always sending a sell signal so it is always saying to sell when a crash is coming, but it never predicts when the market will go up. Its like the pundi...
by ASUGrad
Tue Jul 29, 2014 9:59 pm
Forum: Investing - Theory, News & General
Topic: Stocks: losing money for 20-30 years not uncommon
Replies: 43
Views: 5398

Re: Stocks: losing money for 20-30 years not uncommon

Iorek wrote:Am I reading the chart wrong? It looks like the US worst case for 20 years was not loss, as the OP suggests, but a 19% gain?


I noticed this too. Equal weighted it was down, but then real was up. I'm not sure what the difference is.
by ASUGrad
Tue Jul 29, 2014 9:53 pm
Forum: Investing - Theory, News & General
Topic: Rules of thumb that shouldn't be
Replies: 39
Views: 5398

Re: Rules of thumb that shouldn't be

On the 401k protections notes also look at Rollover IRAs. They keep a lot of the 401k protections in many states where traditional IRAs do not . Otherwise I agree on all fronts. You should consider costs and if you think you will ever do a backdoor roth before doing a RO. "Your emergency fund s...