Search found 1369 matches

by dcabler
Fri May 29, 2020 7:50 am
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 3760

Re: If not 3 fund, whats your strategy ?

Agree that a 3-fund is a useful portfolio for many, but only the individual can determine if it's right for them.
As for me,
Stock is mostly US Midcaps
Some SCV
EM and Int'l Small for my international holdings
Intermediate Treasuries
TIPs + Ibonds
by dcabler
Thu May 28, 2020 6:35 pm
Forum: Personal Consumer Issues
Topic: 2016 Honda Civic Air Conditioning issues
Replies: 16
Views: 839

Re: 2016 Honda Civic Air Conditioning issues

Hi there. I have a 2016 Honda Civic that is no longer under warranty. A few months ago I received in the mail a notice saying that due to issues with the AC condenser, Honda was extending the warranty on that part from the typical 3 years/36,000 miles to 10 years/unlimited miles. Low and behold, la...
by dcabler
Tue May 26, 2020 11:50 am
Forum: Investing - Theory, News & General
Topic: Bogleheads: What is your largest single stock holding? (if any)
Replies: 79
Views: 3839

Re: Bogleheads: What is your largest single stock holding? (if any)

0.1 share of DuPont.
Because years ago, when I got completely out of individual stocks and sold it all, there was some sort of rounding error over at Schwab. It's my only holding at Schwab these days and I can't seem to find the time to call them to get it taken care of. :D

Cheers.
by dcabler
Mon May 25, 2020 7:22 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27458

Re: The axe falls and I am prepared. What's next?

Folks, So, it happened. I will be laid off by the end of June. The basic financial stuff: B) 1 year subsidized medical insurance. C) 1 year COBRA These two items are what stuck out to me. I read three or so pages of this thread and saw a couple of people mention it as well, but these things do not ...
by dcabler
Sat May 23, 2020 5:25 am
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27458

Re: The axe falls and I am prepared. What's next?

Folks, So, it happened. I will be laid off by the end of June. The basic financial stuff: A) 3 months severance pay B) 1 year subsidized medical insurance. C) 1 year COBRA D) 110K to 120K of the Emergency Fund E) 1.35 to 1.4 million 60/40 portfolio F) Late 50+ years old. G) Annual expense of about ...
by dcabler
Fri May 22, 2020 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 364
Views: 27458

Re: The axe falls and I am prepared. What's next?

Folks, So, it happened. I will be laid off by the end of June. The basic financial stuff: A) 3 months severance pay B) 1 year subsidized medical insurance. C) 1 year COBRA D) 110K to 120K of the Emergency Fund E) 1.35 to 1.4 million 60/40 portfolio F) Late 50+ years old. G) Annual expense of about ...
by dcabler
Thu May 21, 2020 8:33 am
Forum: Investing - Theory, News & General
Topic: Worth replacing International Small Cap (DLS, FNDC and DGS) to VSS ?
Replies: 26
Views: 1385

Re: Worth replacing International Small Cap (DLS, FNDC and DGS) to VSS ?

Earlier this year I switched my int'l small cap allocation from SCHC (Schwab developed small cap) to ISCF (iShares multifactor int'l small cap). ISCF tilts towards value, momentum and quality. So far it's weathered the crisis reasonably well, though past is past. Yep, ISCF has been on my radar for ...
by dcabler
Thu May 21, 2020 8:27 am
Forum: Personal Consumer Issues
Topic: Frequency of bike overhaul or tune up
Replies: 29
Views: 1678

Re: Frequency of bike overhaul or tune up

I do my own maintenance. Every couple of weeks, the bike gets a bath. Plenty of youtube videos on the proper way to do that - the bike will get lots of grit, especially in and around the front derailleur. This process includes a handy gadget that you can buy to clean the chain. Then I lubricate the ...
by dcabler
Tue May 19, 2020 10:25 am
Forum: Personal Finance (Not Investing)
Topic: How did you determine your target savings rate?
Replies: 109
Views: 4610

Re: How did you determine your target savings rate?

I save what I don’t spend. Not the other way around. Your mileage may vary. This. At least today. In the early days of my career, for about the first 6 months I had a negative cash flow. Stupid new college grad with a nice car, living in a HCOL with high apartment rent and high car insurance. Over ...
by dcabler
Mon May 18, 2020 10:19 pm
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 97
Views: 14234

Re: Lowes vs Home Depot

It doesn't matter. I have found via careful experimentation that whichever one you go to first will not have what you're looking for. 😀
by dcabler
Mon May 18, 2020 6:32 pm
Forum: Personal Investments
Topic: RSUs [how long to hold]
Replies: 32
Views: 1398

Re: RSUs [how long to hold]

As a result the Tech Crash in the early 2000's, many of those holding exercised RSU's found themselves very far underwater, to the extent that when they sold their sale price did not even cover the taxes due. Add to that there were job losses. I was not personally involved, but know people that wer...
by dcabler
Mon May 18, 2020 6:31 pm
Forum: Personal Investments
Topic: RSUs [how long to hold]
Replies: 32
Views: 1398

Re: RSUs [how long to hold]

I sell the moment they hit my account and use the proceeds to purchase my favorite etf or mutual fund in my taxable account. This is free money, even more so with the discount. I don't own individual stocks for a reason - too volatile. And I certainly wouldn't further increase my risk by owning stoc...
by dcabler
Mon May 18, 2020 6:10 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6079

Re: How to get disinfecting wipes..seriously

The Clorox brand non-bleach hand wipes has an active ingredient the same as a common cleaner I use on my roof called "Wet and Forget It". Buy a spray bottle and measure out .46 ounces (half an ounce is fine, even an ounce) and dilute it up to 25 ounces in the spray bottle. The bottle I bought was l...
by dcabler
Mon May 18, 2020 4:17 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6079

Re: How to get disinfecting wipes..seriously

Now, can someone tell me where I can get hand sanitizer? It's only to have with me for when I don't have access to soap and water, so I'd even be happy with a travel size. Walmart.com has 6 and 16 ounce bottles available right now. Two day shipping, limit 1 each. We just got ours yesterday. The Clo...
by dcabler
Mon May 18, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: How to get disinfecting wipes..seriously
Replies: 87
Views: 6079

Re: How to get disinfecting wipes..seriously

Now, can someone tell me where I can get hand sanitizer? It's only to have with me for when I don't have access to soap and water, so I'd even be happy with a travel size. Walmart.com has 6 and 16 ounce bottles available right now. Two day shipping, limit 1 each. We just got ours yesterday. The Clo...
by dcabler
Sun May 17, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: Anyone an Avast Guru?
Replies: 5
Views: 348

Re: Anyone an Avast Guru?

EagertoLearnMore wrote:
Sun May 17, 2020 12:05 pm
Yes, you must supply password and yes, complex and long. I had set up a guest login, but disabled it months ago on the ISP site because it was not being used.
Does your router have an administration password as well, in order to make changes? And have you also changed it to something complex?
by dcabler
Sun May 17, 2020 11:59 am
Forum: Personal Consumer Issues
Topic: Anyone an Avast Guru?
Replies: 5
Views: 348

Re: Anyone an Avast Guru?

Something unusual showed up for the first time on an Avast scan. My router is password protected and I have firewall and other security/anti-malware security. Today I ran an Avast scan and it went through the first 3 items fine - those being browser threats, outdated apps, and virus and malware sca...
by dcabler
Sun May 17, 2020 7:54 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1483
Views: 120341

Re: Small Cap Value heads Rejoice !!!

This is just for fun as I doubt anyone would actually go all in on SCV, but Ben Felix recently mentioned that using 4% withdrawals in 30 year periods going back to 1926, 70% US SCV with 30% 5 year treasuries had no failures. It also has a thrilling max drawdown of 77%. This was an aside in a discus...
by dcabler
Fri May 15, 2020 1:54 pm
Forum: Personal Investments
Topic: What to do with RSUs and stock?
Replies: 30
Views: 1693

Re: What to do with RSUs and stock?

I work for a very large tech company in the upper left, USA that starts with the letter M (I won't say it here in case there are web-scrapers, but I do think the company itself matters for my question). I'll be receiving a large amount of RSUs from the company, and I also participate in the stock p...
by dcabler
Thu May 14, 2020 2:13 pm
Forum: Investing - Theory, News & General
Topic: "Expected Return" ?
Replies: 44
Views: 2641

Re: "Expected Return" ?

The shape of the probability distribution matters at least as much as the weighted average of the outcomes. A strategy with a high expected return may also have a high probability of losing everything--think lottery tickets, although most lotteries also have a low expected return. Remember: the act...
by dcabler
Thu May 14, 2020 7:13 am
Forum: Investing - Theory, News & General
Topic: Why is total market weighted index best?
Replies: 61
Views: 4280

Re: Why is total market weighted index best?

While I totally buy into indexing, and generally buy into market weighting, what is the positive / theoretical reason why market weighting is the best choice, in terms of risk adjusted equity returns (let's stick with domestic for this argument) I understand the counter positive arguments - why not...
by dcabler
Wed May 13, 2020 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Should you include home equity in Net Worth?
Replies: 160
Views: 7606

Re: Should you include home equity in Net Worth?

I expect to sell my house in the future and downsize. The only reason I care about my home equity is that I expect to sell my current house and downsize at some point in the future. The net proceeds between selling and purchasing will be added to my investments and ultimately be used for living expe...
by dcabler
Wed May 13, 2020 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Salary ranges, grades, and layoffs
Replies: 11
Views: 2029

Re: Salary ranges, grades, and layoffs

My experience with layoffs has been similar to AlohaJoe’s - cuts targeted based on parameters such as closing a location, functions not needed due to project/business line changes, etc. The proposed layoff lists were then reviewed by: - Legal - any potential legal issues with those identified, - HR...
by dcabler
Wed May 13, 2020 6:27 am
Forum: Personal Finance (Not Investing)
Topic: Leave H&R Block for Turbo Tax or what other software
Replies: 27
Views: 1295

Re: Leave H&R Block for Turbo Tax or what other software

I'm sure this must have been asked before, but couldn't find with search. I used H&R Block for first time for our 2018 taxes. Needless to say, they made simple mistakes that required revisions. They also doubled their estimated cost to $260 dollars. Anyway, according to my son, our taxes should be ...
by dcabler
Tue May 12, 2020 4:29 pm
Forum: Investing - Theory, News & General
Topic: proportional withdrawal -> no sequence-of-returns risk
Replies: 30
Views: 1344

Re: proportional withdrawal -> no sequence-of-returns risk

I am nowhere near retirement. But it occurs to me that one can completely avoid the problem of sequence-of-returns risk in retirement by always withdrawing in an amount proportional to the fund's *current* balance. In other words, rather than always withdrawing an amount equal to (say) 4% of the fu...
by dcabler
Tue May 12, 2020 9:02 am
Forum: Investing - Theory, News & General
Topic: All small cap international
Replies: 56
Views: 3485

Re: All small cap international

#4 etf.com shows P/B as 1.05 for ISCF and 0.84 for FNDC. Regardless, this is good for this single snapshot in time but will likely move around a lot. I would expect, over time, ISCF to have an average smaller p/b since it tracks a multi-factor index and value is one of the factors whereas the index...
by dcabler
Tue May 12, 2020 8:58 am
Forum: Personal Investments
Topic: Which variable withdrawal strategy?
Replies: 13
Views: 864

Re: Which variable withdrawal strategy?

Check out several of the "time value of money" threads on this forum.

viewtopic.php?t=274243
viewtopic.php?t=263790

Cheers
by dcabler
Tue May 12, 2020 8:31 am
Forum: Investing - Theory, News & General
Topic: All small cap international
Replies: 56
Views: 3485

Re: All small cap international

#4 etf.com shows P/B as 1.05 for ISCF and 0.84 for FNDC. Regardless, this is good for this single snapshot in time but will likely move around a lot. I would expect, over time, ISCF to have an average smaller p/b since it tracks a multi-factor index and value is one of the factors whereas the index...
by dcabler
Tue May 12, 2020 7:43 am
Forum: Investing - Theory, News & General
Topic: All small cap international
Replies: 56
Views: 3485

Re: All small cap international

#3 doesn't matter if held in a tax deferred account And what about in taxable? I'm confused trying to compare the different options for a taxable account (marginal rate 24%) where I'm currently holding only VXUS... trying to see if these small-cap options would be significantly worse.... Turnover i...
by dcabler
Tue May 12, 2020 6:44 am
Forum: Investing - Theory, News & General
Topic: All small cap international
Replies: 56
Views: 3485

Re: All small cap international

If you had to pick between iscf and fndc which would you pick and why? According to Yahoo Finance, the figures for iShares Edge MSCI Multifactor Intl Small-Cap ETF (ISCF) are: 1. Assets under management: $110 million 2. Expense ratio: 0.40% 3. Turnover: 45% 4. Price/book: 1.18 5. Biggest position: ...
by dcabler
Mon May 11, 2020 5:35 pm
Forum: Personal Investments
Topic: ML/AI based withdrawal systems?
Replies: 11
Views: 705

Re: ML/AI based withdrawal systems?

I can see this as possible. Thing is, though, you're going to end up training the NN with all kinds of data from the past and it will undoubtedly find some interrelations that may or may not persist into the future. Good luck!
by dcabler
Mon May 11, 2020 10:32 am
Forum: Investing - Theory, News & General
Topic: All small cap international
Replies: 56
Views: 3485

Re: All small cap international

I don't own a ton of international, but what I do own is both in small cap and EM. Then again, I'm not a three-funder type...
by dcabler
Mon May 11, 2020 9:23 am
Forum: Personal Finance (Not Investing)
Topic: 2020 tax forecast
Replies: 8
Views: 740

Re: 2020 tax forecast

How can I forecast my 2020 taxes? Can I just create a “what if” tax return usIng my 2019 Turbo Tax software? How do I predict capital gains and dividends for 2020 — especially since there’s been so much market selling in 2020? I don’t want to get penalized for underpayment of taxes. I am aware that...
by dcabler
Mon May 11, 2020 8:56 am
Forum: Personal Finance (Not Investing)
Topic: 2020 tax forecast
Replies: 8
Views: 740

Re: 2020 tax forecast

Check out this bogleheads wiki: https://www.bogleheads.org/wiki/Tools_and_calculators Scroll down to the section "Personal Finance Toolbox" and you'll see 2020 case study. I used this recently to make some calculations so I could update my W4 withholdings. Here's another one I've used in the past: h...
by dcabler
Sun May 10, 2020 3:53 pm
Forum: Personal Investments
Topic: Spreadsheets on drawdown/withdrawal strategies
Replies: 6
Views: 484

Re: Spreadsheets on drawdown/withdrawal strategies

Check out several of the "time value of money" threads including this one:
viewtopic.php?t=263790
by dcabler
Sun May 10, 2020 8:55 am
Forum: Investing - Theory, News & General
Topic: The Goal based Asset Allocation Ratio (non-age based)
Replies: 35
Views: 1739

Re: The Goal based Asset Allocation Ratio (non-age based)

I wanted to share this with the forum as a new thread instead of posting as reply to another thread. I have in the past shared this as reply to AA questions, some have reached out to me through PM expressing their interest and learning more. I thought this merits a new post as it goes away complete...
by dcabler
Fri May 08, 2020 7:46 am
Forum: Personal Investments
Topic: Significant gains since I tax loss harvested
Replies: 18
Views: 1577

Re: Significant gains since I tax loss harvested

Usually when somebody chooses a TLH fund partner, its because of a high degree of similarity to the original fund such that your total portfolio performance would be largely unaffected. If that's the case, then why would you want to make a change unless another TLH opportunity came along?
by dcabler
Thu May 07, 2020 5:57 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 54
Views: 3645

Re: Will a vpn complicate or improve my internet experience?

I have Nord VPN running on two phones and it seems to be interfering with page loading recently. I am constantly having to pause VPN so that a site will load. Not sure what that's about. Happens a lot. Some sites will block traffic coming from certain ISP addresses that happen to be VPN. I've had i...
by dcabler
Thu May 07, 2020 4:27 pm
Forum: Personal Consumer Issues
Topic: Will a vpn complicate or improve my internet experience?
Replies: 54
Views: 3645

Re: Will a vpn complicate or improve my internet experience?

Why do you want a VPN? I use VPN now that I'm working from home, but that's through my work and the only way I have access to everything internal to the company. For my personal use, I also use VPN when I travel for extra security on wifi networks that I don't control. For that, I only pay month to ...
by dcabler
Wed May 06, 2020 5:39 am
Forum: Personal Consumer Issues
Topic: can't log on [to Vanguard website]
Replies: 55
Views: 1882

Re: can't log on [to Vanguard website]

5:40am Wed CDT. Same issue
MS Edge browser - up to date.

Android app on my phone. Same issue first time. Tried second time and got in.
by dcabler
Tue May 05, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Moving from High taxed state to no income tax state
Replies: 44
Views: 3106

Re: Moving from High taxed state to no income tax state

tetractys wrote:
Mon May 04, 2020 11:59 pm
Check the sales tax where you’ll be moving to. That could possibly be worse than the income tax where you’re at, depending.
Yep. You need to look at the total tax burden of income tax, sales tax, property tax etc. as it pertains to your own situation.
by dcabler
Sun May 03, 2020 12:33 pm
Forum: Personal Investments
Topic: Fidelity intermediate treasury index vs. Fidelity U.S. bond index
Replies: 18
Views: 1391

Re: Fidelity intermediate treasury index vs. Fidelity U.S. bond index

Ferdinand2014 wrote:
Sun May 03, 2020 12:19 pm
I would never consider corporate bonds. I only invest in 100% pure Treasurys. I sleep well at night.
+1. And it's FUAMX for me as well
by dcabler
Fri May 01, 2020 10:29 am
Forum: Personal Finance (Not Investing)
Topic: MBA Worth It?
Replies: 88
Views: 5844

Re: MBA Worth It?

I completed an MBA on a part-time program that my employer mostly paid for. It was from a private school that has a good reputation locally, but most of you would have to Google it. In my case, it paid off fantastically, but I had a reasonable plan for it to pay off. I was already on a career path ...
by dcabler
Tue Apr 28, 2020 4:06 pm
Forum: Investing - Theory, News & General
Topic: Estimating Future Returns
Replies: 28
Views: 1334

Re: Estimating Future Returns

This is a few years old, but still worth a read. Plus it contains a downloadable spreadsheet with pointers to multiple websites, each of which have their own predictions, if interested in getting the latest... https://www.mindfullyinvesting.com/articles/6-what-to-invest-in/6-2-expected-future-retur...
by dcabler
Tue Apr 28, 2020 6:46 am
Forum: Investing - Theory, News & General
Topic: Estimating Future Returns
Replies: 28
Views: 1334

Re: Estimating Future Returns

This is a few years old, but still worth a read. Plus it contains a downloadable spreadsheet with pointers to multiple websites, each of which have their own predictions, if interested in getting the latest... https://www.mindfullyinvesting.com/articles/6-what-to-invest-in/6-2-expected-future-return...
by dcabler
Sun Apr 26, 2020 6:54 am
Forum: Investing - Theory, News & General
Topic: The Bottom Line on Factor Investing
Replies: 290
Views: 12587

Re: The Bottom Line on Factor Investing

Not really an a-ha moment. I was doing random stuff until 2008. Fortunately, the random things I did didn't end up biting me all that much. At that point I started reading, but hadn't heard about "factors", at least not in terms of the factor-zoo one can read about today. But I had read about both s...
by dcabler
Fri Apr 24, 2020 7:25 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20114

Re: What are you doing for haircuts due to coronavirus shutdown?

I have a Wahl peanut that I use to trim my beard. It also has 3 different guards so I gave myself a buzzcut last weekend. DW trimmed up the edges. Good to go! Problem with a buzzcut is now I'm going to have to do this every couple of weeks. Kinda like my beard. But won't hesitate to go back to my b...
by dcabler
Fri Apr 24, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20114

Re: What are you doing for haircuts due to coronavirus shutdown?

I have a Wahl peanut that I use to trim my beard. It also has 3 different guards so I gave myself a buzzcut last weekend. DW trimmed up the edges. Good to go! Problem with a buzzcut is now I'm going to have to do this every couple of weeks. Kinda like my beard. But won't hesitate to go back to my ba...
by dcabler
Mon Apr 20, 2020 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Laid off!!
Replies: 71
Views: 10177

Re: Laid off!!

You have received some good advice that I hope you find helpful. Consider taking the severance package offered and not pursuing legal action. I don’t believe you will win (especially in this mass-layoff environment) and the process likely will cost you money and delay your healing. Be sure to take ...