Search found 496 matches

by brad.clarkston
Fri Nov 10, 2017 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative to Mint for portfolio analysis
Replies: 16
Views: 1721

Re: Alternative to Mint for portfolio analysis

I am managing my mother's portfolio and finances for her. I created an account at Mint to aggregate all her financial information. It seems to work decently for the financial stuff but when it imported her portfolio information, one of the holdings' (a mortgage backed security) cost basis imported ...
by brad.clarkston
Fri Nov 10, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Stocks
Replies: 22
Views: 1410

Re: Individual Stocks

10% of my port is in dividend income stocks which might go up to 20% in the next five years but I'm not a day trader by any stretch.
The stocks I have I've had for awhile now.
by brad.clarkston
Fri Nov 10, 2017 2:13 pm
Forum: Investing - Theory, News & General
Topic: Should you own only non-U.S. stocks?
Replies: 63
Views: 6125

Re: Should you own only non-U.S. stocks?

I was all excited about reading the blog post and then noticed it's from RA which is a non-starter for me.
by brad.clarkston
Fri Nov 10, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Buying bitcoin / Cryptocurrency to market cap (.3%)
Replies: 42
Views: 3080

Re: Buying bitcoin / Cryptocurrency to market cap (.3%)

With bitcoin / cryptocurrencies reaching a 65B market cap and the World Market cap being 210 Trillion, Would it be considered "Wise" / "Bogleheaded" to go ahead and allocate .3% of ones portfolio to crypto since they are not represented in the total market index? No more no less. This isn't some ar...
by brad.clarkston
Fri Nov 10, 2017 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3329

Re: Do telecom stocks have a future?

I would reckon 20-30% of the posters here either work in, or have retired from, tech and telecom related industries. I mean absolutely no offense by this but the current stage in the telco business has nothing to do with the ones from 10-15 years ago. Two of the four big ones are 80%-to-85% owned b...
by brad.clarkston
Fri Nov 10, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Alternative to Mint for portfolio analysis
Replies: 16
Views: 1721

Re: Alternative to Mint for portfolio analysis

I also migrated over to Personal Capital with the latest Mint bugs, and I find it more useful than Mint. Although there is one account it is still having trouble importing, so I do still check my Mint page periodically. I hear people refer to the Personal Capital phone calls often, but am I the onl...
by brad.clarkston
Fri Nov 10, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Alternative to Mint for portfolio analysis
Replies: 16
Views: 1721

Re: Alternative to Mint for portfolio analysis

I am managing my mother's portfolio and finances for her. I created an account at Mint to aggregate all her financial information. It seems to work decently for the financial stuff but when it imported her portfolio information, one of the holdings' (a mortgage backed security) cost basis imported ...
by brad.clarkston
Thu Nov 09, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3329

Re: Do telecom stocks have a future?

(2) Are these stocks worth keeping as quasi-bond equivalents? Didn't Sprint drop by 15% today? If I bought a bond and it dropped by 15% in a single day...I think I'd be pretty disappointed with it. I'm not sure in what possible world they can be considered quasi-bond equivalents. 15% was just a few...
by brad.clarkston
Thu Nov 09, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: New [Member] Portfolio Advice
Replies: 5
Views: 382

Re: New [Member] Portfolio Advice

That's perfectly fine as it is. I personally would go 80/20 in equity/bonds at your age.

The "overvaluation" arguments are misleading at best.

Will the market correct? == Yes.
When will the market correct? == Who knows.
by brad.clarkston
Thu Nov 09, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: Best mobile Family Plan for 4 Lines?
Replies: 21
Views: 1080

Re: Best mobile Family Plan for 4 Lines?

I am on Sprint through my company and I would recommend you avoid. 3G data is useless, it simply does not work. That means you must be connected to LTE to use data and I find that to be touch and go. Also, sprint does not support voice over LTE which means you cannot use data while on a call. That'...
by brad.clarkston
Thu Nov 09, 2017 6:03 pm
Forum: Personal Consumer Issues
Topic: Best mobile Family Plan for 4 Lines?
Replies: 21
Views: 1080

Re: Best mobile Family Plan for 4 Lines?

Disclaimer: Non-Retail Sprint employee talking. I would go with the Sprint or T-Mo Family plan at $160 a month for unlimited talk/text/data with hotspot ability. AT&T/Cricket and Verizon/Boom have the worst pre or post plans right now and that's not going to change for awhile as they need to invest...
by brad.clarkston
Thu Nov 09, 2017 6:00 pm
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 1794

Re: Should I bail on AT&T and Directv?

I got some initial pricing, but the phone rep would not give more detailed device pricing without first running a hard credit pull. I found that kind of irritating, so I cutoff the conversation shortly afterwards. Yea unfortunately that's the way all four big boys are going. They make more money by...
by brad.clarkston
Thu Nov 09, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Best mobile Family Plan for 4 Lines?
Replies: 21
Views: 1080

Re: Best mobile Family Plan for 4 Lines?

Disclaimer: Non-Retail Sprint employee talking. I would go with the Sprint or T-Mo Family plan at $160 a month for unlimited talk/text/data with hotspot ability. AT&T/Cricket and Verizon/Boom have the worst pre or post plans right now and that's not going to change for awhile as they need to invest ...
by brad.clarkston
Thu Nov 09, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 1794

Re: Should I bail on AT&T and Directv?

No (to the OP's question). Full disclosure: I own a large amount of T. 😀 I posed the question to the ATT rep on the phone, why should I stay with ATT at $220 when sprint comparable phone package is at $120? I never really got a good answer. As a enterprise (non-retail) Sprint employee there's absol...
by brad.clarkston
Thu Nov 09, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Where to allocate a $20,000 emergency fund
Replies: 16
Views: 1546

Re: Where to allocate a $20,000 emergency fund

Leave it where it is.

I have $30k in a Ally account so I can get it right away (debit card) and then another $30k in a bond ladder.
by brad.clarkston
Thu Nov 09, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 1794

Re: Should I bail on AT&T and Directv?

I'm beta'ing the DirectTVNow DVR, it's not close to prime time yet but it's coming. How is it, Brad? Or are you in an NDA that stops you from saying (even casually)? I'm hoping it solves some of the commercial annoyances. [/quote] O it sucks badly at the moment but it's getting there. Lots of crash...
by brad.clarkston
Thu Nov 09, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Password manager without browser extension?
Replies: 34
Views: 1176

Re: Password manager without browser extension?

I personally trust my knowledge of what's on my machine more than I trust a browser extension to do its job correctly. 30 years in the IT Engineering field tends to lead me to not believe that statement from 99.9% of people :wink: I've been misquoted! That was someone else's reply to my original po...
by brad.clarkston
Thu Nov 09, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 1794

Re: Should I bail on AT&T and Directv?

You could try out DirectvNow for a free month. If it would work for you then with the ATT discount it would be $10/month. I heard that some DVR functionality is coming to DirectvNow but I really don't know much about it. Just something to look into. I tried DirectvNow via a FireTv with wired Ethern...
by brad.clarkston
Thu Nov 09, 2017 3:04 pm
Forum: Personal Consumer Issues
Topic: Should I bail on AT&T and Directv?
Replies: 25
Views: 1794

Re: Should I bail on AT&T and Directv?

You could try out DirectvNow for a free month. If it would work for you then with the ATT discount it would be $10/month. I heard that some DVR functionality is coming to DirectvNow but I really don't know much about it. Just something to look into. I tried DirectvNow via a FireTv with wired Ethern...
by brad.clarkston
Thu Nov 09, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: DFA access
Replies: 27
Views: 2473

Re: DFA access

Depending on what asset class you want you may not even need DFA. The small value they offer is very comparable to IJS, and IJS is half the expense ratio. It’s a little hard to replicate what they do on foreign and EM, but Powershares/Schwab Funds that track fundamental indexes are comparable. I th...
by brad.clarkston
Thu Nov 09, 2017 1:46 pm
Forum: Personal Consumer Issues
Topic: Cable switching thought exercise
Replies: 15
Views: 879

Re: Cable switching thought exercise

Sounds easier (and cheaper) to just cancel cable and go without :) It is an interesting thought though. I doubt that would work for us down here for Cox, because the property address is important. With that said, completely terminating an account in one name and starting in another might just work....
by brad.clarkston
Thu Nov 09, 2017 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Starting retirement planning
Replies: 12
Views: 835

Re: Starting retirement planning

There both equal on quality and price (ER). I would go with Fidelity just because the website and tools are hands down better. I would disagree with that. On Fidelity's website, I can only look at transactions for a particular fund 3 months at a time. No way to see a whole year, say 2017. I was tol...
by brad.clarkston
Thu Nov 09, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Starting retirement planning
Replies: 12
Views: 835

Re: Starting retirement planning

There both equal on quality and price (ER). I would go with Fidelity just because the website and tools are hands down better.
by brad.clarkston
Thu Nov 09, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: What do you think of this LTCI policy?
Replies: 10
Views: 394

Re: What do you think of this LTCI policy?

Is there an actual need for this? It seems pretty high if you don't.
by brad.clarkston
Thu Nov 09, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3329

Re: Do telecom stocks have a future?

Sounds like despite all that we basically agree, that telecoms aren't clearly superior investments compared to index funds :) Yes I would sale the telco stocks as it's already covered by total stock. The telco's aren't going anywhere but they will be changing there stripes in four or five years as ...
by brad.clarkston
Thu Nov 09, 2017 11:09 am
Forum: Personal Finance (Not Investing)
Topic: pick one for me..
Replies: 14
Views: 1142

Re: pick one for me..

#1 first then #2 or the other way around at least.
Pay off all debt first.
by brad.clarkston
Thu Nov 09, 2017 10:57 am
Forum: Personal Consumer Issues
Topic: What backup service to use?
Replies: 28
Views: 2058

Re: What backup service to use?

I use Carbonite as it's a true incremental backup for years without any issues.

@pondering -- Keep in mind that Dropbox is not a real backup service it's a file sharing system you have to use it manually.
by brad.clarkston
Thu Nov 09, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3329

Re: Do telecom stocks have a future?

As a Network Engineer at one of the big 4 telco's I have to snort at this .... There is absolutely no competition in the USA. What you see as dynamic companies are really just MVNO's of the major four, they own them all. "No contracts" is just pre-pay contracts which is cheaper for them not us. "Nu...
by brad.clarkston
Thu Nov 09, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3329

Re: Do telecom stocks have a future?

(2) Are these stocks worth keeping as quasi-bond equivalents? Didn't Sprint drop by 15% today? If I bought a bond and it dropped by 15% in a single day...I think I'd be pretty disappointed with it. I'm not sure in what possible world they can be considered quasi-bond equivalents. 15% was just a few...
by brad.clarkston
Thu Nov 09, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3329

Re: Do telecom stocks have a future?

Da5id, 1) You said that there is no net subscriber loss. It could mean either A) No growth. B) There is net subscriber growth. 2) I am clarifying that it is (A). It is not (B). KlangFool That's not true, there's plenty of churn it's one of the big metrics we chase all the time. But it's movement be...
by brad.clarkston
Thu Nov 09, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3329

Re: Do telecom stocks have a future?

Well, that why I was crowd-sourcing this question here nisprius. Thank you. Also, I know there are many members here who used to be in this field too, and may be thinking the same thing. Sometimes you just hold on to certain stocks out of inertia or just from a buy-and-hold mentality, however misgu...
by brad.clarkston
Wed Nov 08, 2017 11:35 pm
Forum: Investing - Help with Personal Investments
Topic: Different goals/allocations on different accounts
Replies: 6
Views: 478

Re: Different goals/allocations on different accounts

None of that should be considered separate goals it's all one life.

Pay off the debt and then worry about a house after your status is rock solid.
by brad.clarkston
Wed Nov 08, 2017 8:30 pm
Forum: Investing - Theory, News & General
Topic: "The small-cap effect really has failed to materialize"
Replies: 37
Views: 5069

Re: "The small-cap effect really has failed to materialize"

...for example, any suggestion that Vanguard Total International Stock Market Index Funds, VGTSX, orange, must be hugely preferable to Vanguard FTSE All-World Ex-US index fund, VFWIX, blue, because VGTSX includes small-caps and VFWIX does not. nisiprius — What year did VGTSX transition to an index ...
by brad.clarkston
Wed Nov 08, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: "The small-cap effect really has failed to materialize"
Replies: 37
Views: 5069

Re: "The small-cap effect really has failed to materialize"

So my problem with talking about small-cap is almost none of the funds are really all in (IJR being the exception) most of them are really 50%+ med-cap's so yea the FUD tends to be thick on small-cap usability.
by brad.clarkston
Wed Nov 08, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3375

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

I bought the Essentials phone for $499 it's the low end of the top tier but it's basically a Google Pixel clone. No extra apps or software so a clean Android feel. Now that they lowered the price and got Verizon on-board (just swap sims for ATT&T and T-Mobile) it's looking better and better as I've ...
by brad.clarkston
Wed Nov 08, 2017 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest my emergency fund?
Replies: 16
Views: 1284

Re: Should I invest my emergency fund?

You probably don't need it, but I also question the upside of adding another $60k to your brokerage account. Do you actually need to take more risk? My IPS states that greed is not an acceptable basis for taking risk. I agree diminishing returns applies just as much as needing $10k right the hell n...
by brad.clarkston
Wed Nov 08, 2017 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of a barbelling / Larry-type portfolio
Replies: 22
Views: 1251

Re: Talk me out of a barbelling / Larry-type portfolio

The EM fund is not intended to be small cap, as I'd have no good (inexpensive) way to invest in EM small cap. That's an all-cap EM index fund either with VG or Fidelity. I'd be getting a little extra EM small from the international small fund though. So the problem I have with the standard all-cap ...
by brad.clarkston
Wed Nov 08, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 3755

Re: What is a reasonable emergency fund for HI family?

so lets say I do make 300k. The correct way to save would be to set aside at least 150k in safe accounts even if it means forgoing a significant return from stocks? Are there no insurance products to purchase for a monthly fee that offer that kind of reserve at low cost in a pinch? And if there are...
by brad.clarkston
Wed Nov 08, 2017 2:58 pm
Forum: Investing - Help with Personal Investments
Topic: Need convincing annuities are investment grade
Replies: 13
Views: 775

Re: Need convincing annuities are investment grade

If you need convincing then don't do it, full stop.
by brad.clarkston
Wed Nov 08, 2017 2:56 pm
Forum: Personal Consumer Issues
Topic: Another Smart Phone Thread, Low/Mid priced phones and carriers
Replies: 53
Views: 3375

Re: Another Smart Phone Thread, Low/Mid priced phones and carriers

to answer some of your questions: - i would recommend 4GB RAM if affordable to you and available - if the phone you want is unlocked and the SIM card is usable on a GSM network, US Mobile should work. Total Wireless is a Verizon MVNO (which uses a CDMA network) however many iphones may be able to d...
by brad.clarkston
Wed Nov 08, 2017 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Should I invest my emergency fund?
Replies: 16
Views: 1284

Re: Should I invest my emergency fund?

Google the forum "wiki" on "Tiers" and "Emergency fund" levels. There are a lot of ways to slice and dice cash reserves depending on each person's financial situation and comfort zone. Some adhere to putting most everything in an investment portfolio because the entirety of one's assets is one big ...
by brad.clarkston
Wed Nov 08, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: What is a reasonable emergency fund for HI family?
Replies: 67
Views: 3755

Re: What is a reasonable emergency fund for HI family?

What is a reasonable emergency fund for HI family? Many people argue its better to pay a monthly bill for disability, etc. and instead invest the rest. Is the 6 mo x monthly spending = emergency fund really sensible if your income is over 100k? Seems like an awful lot is just sitting in a bank acco...
by brad.clarkston
Wed Nov 08, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Password manager without browser extension?
Replies: 34
Views: 1176

Re: Password manager without browser extension?

buckstar wrote:
Wed Nov 08, 2017 12:52 pm
I personally trust my knowledge of what's on my machine more than I trust a browser extension to do its job correctly.
30 years in the IT Engineering field tends to lead me to not believe that statement from 99.9% of people :wink:
by brad.clarkston
Wed Nov 08, 2017 2:37 pm
Forum: Personal Consumer Issues
Topic: Password manager without browser extension?
Replies: 34
Views: 1176

Re: Password manager without browser extension?

I am using 1Password, and I don’t think it requires you to install a browser exension (I say “think” because I don’t have the latest version because I don’t want to move to a subscription model). You say you don’t want Keepass. I have never used it, but it might help some offering suggestions to kn...
by brad.clarkston
Wed Nov 08, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of a barbelling / Larry-type portfolio
Replies: 22
Views: 1251

Re: Talk me out of a barbelling / Larry-type portfolio

If you're watching valuations, why don't you want EM? That's where the high returns are expected to be. I do, which is why I have it at 10%-- just gathering opinions on whether that is a complement to int'l small or unneccesary overlap. [/quote] I think so but only if it's an actual EM small cap fu...
by brad.clarkston
Wed Nov 08, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Password manager without browser extension?
Replies: 34
Views: 1176

Re: Password manager without browser extension?

I am using 1Password, and I don’t think it requires you to install a browser exension (I say “think” because I don’t have the latest version because I don’t want to move to a subscription model). You say you don’t want Keepass. I have never used it, but it might help some offering suggestions to kn...
by brad.clarkston
Mon Nov 06, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: 529 - Colorado resident
Replies: 1
Views: 158

Re: 529 - Colorado resident

Yes get it in the state your living in.
by brad.clarkston
Mon Nov 06, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Mold Discovered in Potential House Purchase
Replies: 27
Views: 2790

Re: Mold Discovered in Potential House Purchase

This doesn't sound like a huge deal if its confined to an enclosed sump pump well. I don't think its common to do a full inspection on a house that you haven't put an offer on. If I were selling I wouldn't let you touch anything unless you were under contract. There's no way I'd even remotely enter...
by brad.clarkston
Thu Feb 09, 2017 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner's Portfolio Critique
Replies: 5
Views: 704

Re: Beginner's Portfolio Critique

The lowest expense ratio bond fund in the 401k is PIMCO Total Return Instl (PTTRX) (0.46%) The long term small-cap was based on 4-1 ratio of VFIAX to VSMAX closely resembling a TSM - Vanguard Total Stock Market Index Fund (VTSMX) when I was testing in the Morningstar style box thing, in an attempt ...
by brad.clarkston
Wed Feb 08, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner's Portfolio Critique
Replies: 5
Views: 704

Re: Beginner's Portfolio Critique

It looks fine to me. Personally I would adjust the AA by new contributions only so the higher REIT/Bond is fine. I also like REIT at 15% of total equity anyway so it's not big deal. The only quibble I have is I think your long term small-cap is low for a 'Ferri Core Four' I'd at least get that up to...