Search found 923 matches

by anil686
Sat Jun 15, 2019 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Article on high deductible health plans - and the math
Replies: 69
Views: 5001

Re: Article on high deductible health plans - and the math

I agree with others about this being less about the math and more about behavior. This has been well known in medicine for decades - HDHP will cause people to seek less care in order to not pay more OOP. The lower premiums are a direct measure of the lower fiscal responsibility of the insurer and th...
by anil686
Sat Jun 15, 2019 9:33 am
Forum: Personal Finance (Not Investing)
Topic: At what net worth/ income level would you put your kids in private school?
Replies: 23
Views: 1307

Re: At what net worth/ income level would you put your kids in private school?

I have had kids in both. It depends. Not all private schools are outstanding and not all public schools are terrible. YMMV really does apply in this case and factors in where you live, what you value and the personality of your child. Note the first one is highly correlated with net worth. People wh...
by anil686
Thu Jun 13, 2019 10:07 am
Forum: Personal Investments
Topic: small company 401k
Replies: 7
Views: 540

Re: small company 401k

You would be better knowing what costs your employer is willing to pay to have a plan. VG/Ascensus has plans that are not that expensive (probably under 10K/year) for a 401K with VG admiral share funds. Sometimes, people have misconceptions that costs have to be high because that is what is reported...
by anil686
Thu Jun 13, 2019 10:02 am
Forum: Personal Consumer Issues
Topic: Do you repair your own appliances?
Replies: 65
Views: 3231

Re: Do you repair your own appliances?

Only if I can watch a youtube video and it seems within my area of competency (pretty not handy in general). If it fits (ice maker, dryer heating element and sensor, washing machine, car visors), I do it. Knowing my limitations may have cost me a little more upfront but I am sure has helped me not h...
by anil686
Thu Jun 13, 2019 9:59 am
Forum: Personal Consumer Issues
Topic: Retired at 35 and have no friends :(
Replies: 113
Views: 10551

Re: Retired at 35 and have no friends :(

I agree with the sentiment that nothing really changes in your social life between work and retirement - you are who you are when you work and the same when you retire. The only thing that changes is the time. If you had hobbies or interests while working - now would be the time to explore those and...
by anil686
Wed Jun 12, 2019 11:02 am
Forum: Personal Consumer Issues
Topic: Passport photos cheap
Replies: 50
Views: 2344

Re: Passport photos cheap

I also used CVS last year and had a discount from their extra care card promotion - ended up being about $12 but there was no line and they were accepted. I have seen Costco's signs before and would have used them but expected a line - our Costco is normally crazy busy...
by anil686
Sat Jun 08, 2019 1:07 pm
Forum: Personal Investments
Topic: Vanguard Target Retirement Funds - Investor vs Admiral Shares
Replies: 21
Views: 2267

Re: Vanguard Target Retirement Funds - Investor vs Admiral Shares

The rebalancing bonus depends on what the market does. So, to choose the best rebalancing method, you just need to successfully predict how the market will behave in the future. agreed which is why TR funds should not be compared to a 3 fund portfolio. They are re-balanced differently so they will ...
by anil686
Sat Jun 08, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8105

Re: Costco or Sam's Club?

I would rate Costco travel superior to Sam's travel services (Sam's continues to go through many iterations over the years and has just re-opened a very limited travel service). Costco for years has had some of the best prices on rental cars (which all include an additional driver without jurisdicti...
by anil686
Wed Jun 05, 2019 10:22 am
Forum: Personal Consumer Issues
Topic: What flagship (even used) item is better than a budget new item?
Replies: 131
Views: 7658

Re: What flagship (even used) item is better than a budget new item?

A few come to mind: Apple products - I have not bought new in a while - normally buy their certified pre-owned Mac books, iMac, iPhone, and iPad and have never had a problem with any of them. I have not used non Apple desktops or laptops in over 12 years so I cannot compare to Microsoft products or ...
by anil686
Tue Jun 04, 2019 3:18 pm
Forum: Personal Investments
Topic: Deferring Tax on 225K annually with a Defined Benefits Plan
Replies: 7
Views: 375

Re: Deferring Tax on 225K annually with a Defined Benefits Plan

An actuary calculates (based on various assumptions) how much the employer has to contribute each year so that the fund will be sufficient to fund the benefits. The funding for an older employee is done over a shorter period of time (hence more each year) since the older employee will reach retirem...
by anil686
Tue Jun 04, 2019 1:55 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 8105

Re: Costco or Sam's Club?

Just to answer the OP - clothing at both are very similar. I have returned items at both and they are both very similar with their return policies. Costco is outstanding - I have also never had a problem with Sam's either. The biggest difference to me has been the customer service experience - much ...
by anil686
Sat Jun 01, 2019 2:53 pm
Forum: Personal Consumer Issues
Topic: Thinking of leasing bmw 3 series
Replies: 56
Views: 4156

Re: Thinking of leasing bmw 3 series

Any thoughts of buying a used 3 series off of a lease but still under warranty and extending it with a manufacturer VSA? I would think that would be the lowest cost of the options you provided (lease/buy/buy used and extend original warranty)...
by anil686
Sat Jun 01, 2019 2:49 pm
Forum: Investing - Theory, News & General
Topic: So I think I'm nearly sold on the S&P Low Volatility indexes for my entire retirement portfolio
Replies: 39
Views: 4803

Re: So I think I'm nearly sold on the S&P Low Volatility indexes for my entire retirement portfolio

I'd like to thank everyone for their input. The plan I've settled on goes like this: 40% XMLV (S&P 400 MidCap Low Volatility) 28% LGLV (S&P 500 Low Volatility) 16% IDLV (Intl Developed Markets Low Volatility) 16% VGLT (Long Term Treasury) Mostly useless trivia I looked up just now: Over the past 5 ...
by anil686
Thu May 30, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?
Replies: 31
Views: 1856

Re: Cordless Drill: Bosch PS32-02 vs Makita FD07R1?

I like Makita a lot for my drill/driver. Works great - agree with the others about other brands being good too (Dewalt/Milwaukee etc)
by anil686
Thu May 30, 2019 9:00 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 59
Views: 5442

Re: Jim Cramer

CNBC and other media outlets are designed to get you to do something - not just stand there. However, most investors are better just standing there. In all fairness, he is probably the most outspoken index advocate on that network along with Quick and Matheson. But the latter two just seem to challe...
by anil686
Wed May 29, 2019 5:04 pm
Forum: Personal Consumer Issues
Topic: Good small SUV or AWD sedan recs
Replies: 39
Views: 1939

Re: Good small SUV or AWD sedan recs

Thanks for the recommendations so far- will take a look at the Mazda 3! Any thoughts on the Prius AWD? Stumbled across it today, and thought it might be a good option for a city sedan, awd option, and good fuel economy. It is new this year. I am not completely understanding it’s AWD - under 7 MPH -...
by anil686
Mon May 27, 2019 10:50 am
Forum: Personal Consumer Issues
Topic: Google, Alexa house: need house alarm guidance!
Replies: 10
Views: 639

Re: Google, Alexa house: need house alarm guidance!

I would use Nest - I really like their smokedetectors much better than simplisafe. I installed simplisafe at home and and happy with the product in large part short of the smoke dectectors which sometimes go off and I was told by simplisafe it may be dust related in the air or in the unit requiring ...
by anil686
Mon May 27, 2019 9:17 am
Forum: Personal Consumer Issues
Topic: $ Decisions: environmental, save the planet, organic, etc
Replies: 32
Views: 1731

Re: $ Decisions: environmental, save the planet, organic, etc

This is a hard one and I have grappled with this for years now as especially my kids have become teens and have been more vocal with regards to this. Some of the things we have done (and they are not all for the better as I will say later) are: 1) Stop buying as much plastic as possible. No bottled ...
by anil686
Mon May 27, 2019 8:56 am
Forum: Personal Consumer Issues
Topic: Extended auto warranty - who to buy from, if you want to
Replies: 40
Views: 2082

Re: Extended auto warranty - who to buy from, if you want to

I would only do a manufacturer vehicle service agreement (I think that is what they are called) since it is not a warranty per se but extends coverage for a variety of items except wear and tear. The biggest reason why is that the dealership is often aligned with fixing your car if you have problems...
by anil686
Fri May 24, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Are there unique benefits to Amex or Discover cards?
Replies: 21
Views: 1948

Re: Are there unique benefits to Amex or Discover cards?

I love going to concerts - Amex typically has the best presale options (about 4 days before they go on sale everywhere else and about a day or two ahead of areas or other credit cards). I have the old school (like 1990s) Blue Cash card - if you have a non blue cash amex - the ones with the points - ...
by anil686
Fri May 24, 2019 10:12 am
Forum: Personal Investments
Topic: Need help managing excess taxable income
Replies: 16
Views: 1872

Re: Need help managing excess taxable income

Agree with many of the sentiments on the thread so far (including psyduck!) a) would consider using Ibonds for emergency fund amount (i.e. like 6 months) - they are flexible, keep up with inflation and are not taxed until redemption. https://www.bogleheads.org/wiki/I_savings_bonds b) Would put the r...
by anil686
Fri May 17, 2019 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: Funding fiancee plastics practice.
Replies: 15
Views: 2347

Re: UPDATE: Funding fiancee plastics practice.

A) shop around accountants and talk to practice startup businesses in your area. For example, if you are going to be in a large metro, there are consultancy services that specialize in practice startups. I would interview a few and see if you like them. I did not go with one - but many of them offer...
by anil686
Fri May 17, 2019 1:21 pm
Forum: Investing - Theory, News & General
Topic: Reporter doing story on new indexes
Replies: 13
Views: 1340

Re: Reporter doing story on new indexes

Hello Everyone: I received this request from a known reporter. I am working on an article on whether you can follow Bogle’s investment advice – sticking with a traditional S&P 500 fund – and still invest for environmental, social and governance factors. S&P recently came out with another version of...
by anil686
Fri May 17, 2019 11:26 am
Forum: Investing - Theory, News & General
Topic: Help me design a 401k fund menu
Replies: 29
Views: 1494

Re: Help me design a 401k fund menu

I think the DOL has examples and the TSP that has been mentioned before is an excellent model. TR funds are great to offer especially as a default option IMO...
by anil686
Thu May 16, 2019 7:38 pm
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17423

Re: VTSAX or VTWAX over the next 35 years?

I think this topic is discussed way more than it really deserves to be IMO. If you choose VTSAX - you will probably be fine. The risk is that your returns do not appreciate as fast as other regions of the world. If you choose VTWAX, even if the US outperforms - VTWAX will follow it. After all, it is...
by anil686
Thu May 16, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Which car has the best or most comfortable cabin under 35K
Replies: 74
Views: 6006

Re: Which car has the best or most comfortable cabin under 35K

I liked the Fusion as well but the seats were a little bit uncomfortable for me with the neck support. I also second the Lexus ES350 off lease or a Toyota Avalon off lease - both have little road noise in my experience and very comfortable seats. Gas mileage not great but the Avalon hybrid is pretty...
by anil686
Thu May 16, 2019 8:02 am
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1098
Views: 152889

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

The other thing that makes it a tricky decision is that it appears that not all CRVs with the turbo engine have the oil dilution problem. I was talking to my Honda service rep the other night (our daughters are in high school band together...), and he said there are some that are fine and others th...
by anil686
Thu May 16, 2019 7:52 am
Forum: Personal Consumer Issues
Topic: Honda CRV or Toyota RAV4 ?
Replies: 82
Views: 6855

Re: Honda CRV or Toyota RAV4 ?

There is a lot of concern with oil dilution issues with the CRV (long thread on bogleheads below). I bought one two years ago and have been monitoring the thread on bogleheads like a hawk. Personally, if I had to do it over again, it would be a Rav4 - JMO though... https://www.bogleheads.org/forum/v...
by anil686
Wed May 15, 2019 11:09 am
Forum: Personal Investments
Topic: VTSAX or VTWAX over the next 35 years?
Replies: 173
Views: 17423

Re: VTSAX or VTWAX over the next 35 years?

Yep VTWAX as well. Once the ER came down with the Admiral share levels - I have stopped splitting VTSAX and VTIAX and just use VTWAX...
by anil686
Tue May 14, 2019 11:57 am
Forum: Personal Investments
Topic: 31 Years Old, Sold Company for 3MM. Want to retire. How to allocate in taxable?
Replies: 19
Views: 3088

Re: 31 Years Old, Sold Company for 3MM. Want to retire. How to allocate in taxable?

It starts with how much money do you need to live the lifestyle you want. Also, what you want to do with your time and does that entail additional costs that you do not have now (i.e. golf every day, take art/yoga/spin classes). Your expenses, rather than your asset allocation should really be your ...
by anil686
Tue May 14, 2019 11:49 am
Forum: Personal Consumer Issues
Topic: Booking a cruise - any differences in how/where?
Replies: 37
Views: 3370

Re: Booking a cruise - any differences in how/where?

Not to Bermuda, but I have used Costco for my previous two cruises and two coming up. They have good pricing, often good shipboard credits and may include a cash back card. Their buyer's choice or Kirkland Signature cruise deals are really good - but are typically not during peak season but if your ...
by anil686
Mon May 13, 2019 3:59 pm
Forum: Personal Investments
Topic: Vanguard Target Retirement Funds - Investor vs Admiral Shares
Replies: 21
Views: 2267

Re: Vanguard Target Retirement Funds - Investor vs Admiral Shares

I agree the rebalancing is different. Rick Ferri wrote an article some years ago now on different rebalancing timing options and bands showed portfolio results. The difference in technique of rebalancing far overwhelms the small difference in ER... https://www.forbes.com/sites/rickferri/2013/02/21/c...
by anil686
Mon May 13, 2019 2:56 pm
Forum: Personal Investments
Topic: Email to my Edward Jones Rep
Replies: 46
Views: 4231

Re: Email to my Edward Jones Rep

for those of us who left advisors (and I left after only a couple of years) - it is not an easy thing to do. As other's have said - they are trained to counter every argument. If you are sure of what you think is right and what you want to do - I would strongly suggest moving your assets and then in...
by anil686
Sun May 12, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: What non frugal things save money?
Replies: 80
Views: 9535

Re: What non frugal things save money?

I think many of the things highlighted in this thread are great examples - tools, clothing/shoes per se. Also I would put kitchen items on that list. LeCrueset and Staub cookware are excellent and when found on sale are (IMO) better than buying cheaper knockoff versions. I think with many things in ...
by anil686
Fri May 10, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Sending $$$ to fiancee to fund solo practice
Replies: 22
Views: 2531

Re: Sending $$$ to fiancee to fund solo practice

As far as banks go - I would check with your local chapter of the medical association, - here in Texas each county has a chapter. They are normally sponsored by at least 3 or 4 local, community banks specializing in physician lending. One of the advantages of going with them often is it streamlines ...
by anil686
Thu May 09, 2019 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Sending $$$ to fiancee to fund solo practice
Replies: 22
Views: 2531

Re: Sending $$$ to fiancee to fund solo practice

I would refrain from some remarks made earlier such as disasters, etc. I opened and operate my own practice and took out a line of credit when I started with limited assets and not much experience and so I am sympathetic to your fiancee. Agree with those recommending a lawyer to draw up a contract w...
by anil686
Thu May 09, 2019 10:14 am
Forum: Personal Investments
Topic: Vanguard Investor Ownership Advantage
Replies: 5
Views: 554

Re: Vanguard Investor Ownership Advantage

There was a recent podcast with either the chief economist or CEO of Vanguard discussing ETFs and Mutual Funds. With VG, with as close as the ERs are btw the two and if holding MF at VG so they are commission free, the decision of ETF and MF should be about what works best for the individual investo...
by anil686
Thu May 09, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: How to reduce dividends?
Replies: 27
Views: 4954

Re: How to reduce dividends?

Just getting back to the OP's issues with dividends, there is no way to reduce dividends resulting in significant tax advantages over TSM without departing from the total market. Vanguard tax managed funds are tax efficient, but vanguard's TSM fund is almost as tax efficient. Sure, there are small g...
by anil686
Thu May 09, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard Service
Replies: 9
Views: 1215

Re: Vanguard Service

I setup a trust brokerage account this year and it went fairly well without real hiccups. We don't like paper statements and we received them after the trust brokerage was setup. When I called, I was told all trust accounts have paper statements. However, this forum educated me that was incorrect so...
by anil686
Mon May 06, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 5640

Re: Anybody try the Blue Apron or the like?

I equate blue apron to business class meals on a flight. Better than economy (fast food),but not that great. I think it depends on the meal prepared personally. There were many meals we made that were, I would say, better than restaurant quality of really unique and interesting dishes. Of course th...
by anil686
Mon May 06, 2019 10:46 am
Forum: Personal Consumer Issues
Topic: Where do you shop to get best deal for home appliance/electronics?
Replies: 22
Views: 1936

Re: Where do you shop to get best deal for home appliance/electronics?

Typically do Costco or Nebraska Furniture Mart and have a local installer we have used do the installation post delivery...
by anil686
Mon May 06, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: Anybody try the Blue Apron or the like?
Replies: 77
Views: 5640

Re: Anybody try the Blue Apron or the like?

Tried Hello Fresh for a few months followed by a six month break and then Plated for about 6 months. Agree with much of the above - packaging really bothered me. Our family have healthy appetites (probably too healthy) and Hello Fresh dinners for four were not enough food for us. Plated was very gen...
by anil686
Sun May 05, 2019 11:39 pm
Forum: Personal Investments
Topic: Vanguard Information Technology ETF ( VGT) to improve returns or not?
Replies: 15
Views: 1399

Re: Vanguard Information Technology ETF ( VGT) to improve returns or not?

The composition changed last year - no more Google, Facebook or Netflix... it is not the same index and so you should be aware before assuming future “tech” growth. It is literally Microsoft and Apple followed by much smaller amounts of Visa/Mc... https://institutional.vanguard.com/VGApp/iip/site/in...
by anil686
Sun May 05, 2019 9:33 pm
Forum: Personal Consumer Issues
Topic: Roku
Replies: 35
Views: 3638

Re: Roku

I have a Roku on every TV in the house and love it. Also the same Harmony Hub remote on each TV so the family knows how to work each TV since it's the same everywhere. I don't use the Roku remote since it doesn't cover the TV and sound systems. I press 1 button on the Harmony remote and it turns on...
by anil686
Sun May 05, 2019 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: College Expenses
Replies: 232
Views: 11544

Re: College Expenses

Just responding to the cost of the education being proportional to the value of the education piece - recommend reading David and Goliath by Malcolm Gladwell and How to raise an Adult - emphasis on the college prep area of that book - both were eye opening on: a) relative deprivation theory (Gladwel...
by anil686
Sat May 04, 2019 9:26 pm
Forum: Investing - Theory, News & General
Topic: How to reduce dividends?
Replies: 27
Views: 4954

Re: How to reduce dividends?

I am sorry for any possible mischaracterization of that fund - it is really very similar to VTSAX - very little difference - maybe a little more growth and less value leading to a slightly less dividend yield. But since they both are taxed at LT cap gains rates on the dividends - the tax differentia...
by anil686
Sat May 04, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: How to reduce dividends?
Replies: 27
Views: 4954

Re: How to reduce dividends?

Responding to the OPs questions 1. Yes - both are diversified but VTCLX is a blend of growth and value and should be similar long term to VTSAX although Grabiner who has posted excellently on this topic has looked at tax efficiency and has written previously that only in the top tax bracket is the c...
by anil686
Sat May 04, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: Berkshire buying stake in Amazon - my opinion
Replies: 55
Views: 5997

Re: Berkshire buying stake in Amazon - my opinion

My opinion (and just an opinion) is that Buffett needs to join Bogleheads!!! Seriously, we have had many of the "what is up with value" threads over the past year. The opinions range from out of favor temporarily (my position but soft on it), out of favor permanently - not popular, value has changed...
by anil686
Thu May 02, 2019 12:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard International Bond Fund puzzles me
Replies: 5
Views: 805

Re: Vanguard International Bond Fund puzzles me

I attribute most of the International Bond fund outperformance to a rising US dollar. For most of 2017, which was a time of a falling US dollar, the international bond fund underperformed, but during most of its existence the dollar has risen against other currencies. I believe you will see the opp...
by anil686
Thu Apr 18, 2019 9:11 am
Forum: Personal Investments
Topic: Beginner question: best way to $ Cost Avg on sp500
Replies: 24
Views: 1905

Re: Beginner question: best way to $ Cost Avg on sp500

If you want to automate investments every month (i.e. set up a schedule to invest automatically by withdrawing from a bank account) - yes - mutual funds are the only way I know of to do this short of a service like a robo-advisor which will charge fees for portfolio management. I like the VG mutual ...