Search found 647 matches

by anil686
Thu Feb 22, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay partners for working your call
Replies: 59
Views: 3508

Re: How to pay partners for working your call

Not easy in my experience unless it is a permanent cutback (such as 50% or no call) in which salary can be adjusted. We had floated an idea (when we were 3 and not 2) - of contributing to a pot and paying whoever was on call from the pot every weekend - so if somebody wanted to do more - they could ...
by anil686
Thu Feb 22, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Rick Ferri Fixed Income Portfolio Funds
Replies: 21
Views: 2637

Re: Rick Ferri Fixed Income Portfolio Funds

I also loved Rick’s book and have read it a couple of times - most recently a couple of years ago. I also agree with Livesoft’s assessment especially after Rick’s interview with Christine Benz a couple of years ago at a conference. He pretty much stated that a simple 3 fund portfolio is all that is ...
by anil686
Fri Feb 16, 2018 2:11 pm
Forum: Personal Consumer Issues
Topic: Good brands for Kitchenware?
Replies: 38
Views: 2701

Re: Good brands for Kitchenware?

I like the LeCruset brand of cast iron pots and casserole dishes - use them all the time and they clean very well. They are expensive and there are knock offs that are half the price - but over many years I have learned with some brands you get what you pay for. The easy clean, consistent cooking wi...
by anil686
Fri Feb 16, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: Any Creative Ways to Cut the Cable?
Replies: 49
Views: 4130

Re: Any Creative Ways to Cut the Cable?

Thanks for this thread. I was paying for internet, phone, and TV (really feel embarrassed to post it) - roughly $300. For faster internet and YouTube tv (which covers all the channels I watch and more - I watch like 5 channels) - it is about $100. Love Bogleheads.org - the best forum :happy
by anil686
Tue Feb 13, 2018 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard VXUS QDI% 2017
Replies: 9
Views: 563

Re: Vanguard VXUS QDI% 2017

walletless wrote:
Tue Feb 13, 2018 8:08 pm
its correct. I am really questioning whether to hold Total International in taxable going forward.
I feel the same - I now wish I had just kept as much TSM as possible in taxable and kept TISM (to the extent possible) in my 401K and IRA - JMO though...
by anil686
Sat Feb 10, 2018 2:27 pm
Forum: Personal Consumer Issues
Topic: Good Hotel in DC
Replies: 46
Views: 3046

Re: Good Hotel in DC

My family and I stayed at the Grand Hyatt in Washington DC for sightseeing a couple of years ago. It was very good and convenient. My kids are teens (were 11/12 at that time) and we went carryon - took the subway from the airport to the hotel and never got a car. Used the metro everywhere and the me...
by anil686
Thu Feb 08, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 4 Horsemen Of Your Portfolio
Replies: 108
Views: 10440

Re: Larry Swedroe: 4 Horsemen Of Your Portfolio

I think what will happen, out of necessity, is the comeback of the extended family. Who would be in this extended family? Not sure there are many cases where anyone other than the children would take on this care. If we're talking about the children, then the first question is "are there children?"...
by anil686
Mon Feb 05, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: $1000 a month for life into a taxable account
Replies: 23
Views: 3840

Re: $1000 a month for life into a taxable account

I would use 100% TSM. I assume you still mean that you would have access to tax deferred plans such as an IRA and 401K or the like? If so, I would try to keep it as tax efficient as possible. With 100% TSM (VTSAX) - you will have primarily qualified dividends as well as keeping high quality bonds in...
by anil686
Sun Feb 04, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Small Business 401k : John Hancock vs Vanguard Fiduciary question
Replies: 8
Views: 503

Re: Small Business 401k : John Hancock vs Vanguard Fiduciary question

When we moved our small business 401K from Nationwide to Vg/Ascensus - our old advisor gave us a similar pitch. They even added one in addition to yours - A). Index funds are meant to match the market - participants don’t want to be confined to matching the market - they want the ability to beat the...
by anil686
Fri Feb 02, 2018 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: Disney visit
Replies: 28
Views: 3470

Re: Disney visit

Have gone every year (sometimes twice) since the early 2000s - mainly stayed on site. For your questions: 1). Perks to stay on site - early magic hours get you in a little earlier. Can help accomplish some rides w/out fast pass or help structure your day. Also can do the fast pass earlier - helps wi...
by anil686
Thu Jan 18, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Couple questions for taxable account
Replies: 14
Views: 1217

Re: Couple questions for taxable account

Hi - just would like to add that you should try to have funds or investments you don't mind keeping in your taxable account forever. That does not mean you can't sell them (for a loss and re-invest in a slightly different fund to take advantage of tax loss harvesting). total market index funds are t...
by anil686
Wed Jan 10, 2018 4:30 pm
Forum: Personal Consumer Issues
Topic: Best Sources to Buy Prescriptions Out of Pocket
Replies: 49
Views: 3031

Re: Best Sources to Buy Prescriptions Out of Pocket

Hi - I have not used these services but am a physician and have helped patients with them. Goodrx provides a service in which they offer a discounted price accompanied by a barcode (if there is a discount provided by them) - which I assume is an offset to the cash price probably from the generic or ...
by anil686
Mon Nov 06, 2017 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: New to the HSA game, seeking advice
Replies: 3
Views: 429

Re: New to the HSA game, seeking advice

To answer the OP: 1. Depends on your own health and utilization of healthcare. Running the numbers is a good suggestion 2. Yes typically again 3. Yes - now up to mid five figures - I typically spend cash if I can for healthcare and not touch the HSA if I can help it. - knowing cash prices is a good ...
by anil686
Sun Nov 05, 2017 7:45 pm
Forum: Personal Consumer Issues
Topic: Anyone did tours (to Peru) with Gate 1 Travel?
Replies: 16
Views: 1659

Re: Anyone did tours (to Peru) with Gate 1 Travel?

My parents have used Gate 1 for trips to China, South East Asia and Greece. They have loved each one - really like the organization and schedule. They felt like they saw a lot and still had some time to explore on their own - FWIW...
by anil686
Fri Oct 06, 2017 8:50 pm
Forum: Personal Consumer Issues
Topic: MoviePass-Too good to be true, but it's legit.
Replies: 147
Views: 18170

Re: MoviePass-Too good to be true, but it's legit.

Selling the data is very profitable. It allows studios to better gauge what frequent movie goers (I.e. those who sign up for the service and go to the theaters) want to see. You are not obligated to see any movie - only the movies that interest you. By mining the data and breaking it down based on y...
by anil686
Sun Aug 27, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: Do Index Funds Distort Market Valuations?
Replies: 113
Views: 9394

Re: Do Index Funds Distort Market Valuations?

I think jbolden1517 may be referring to this BoA report: “The ETF-ization of the S&P 500, Part 1” I can't find it anywhere, but it's referenced in a few articles from July, including these: http://www.marketwatch.com/story/bofa-warns-the-rise-of-etfs-is-distorting-the-stock-market-2017-07-05 http:/...
by anil686
Fri Aug 25, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: SIAP: Marvel $5 week
Replies: 0
Views: 338

SIAP: Marvel $5 week

At the local cinemarks in the DFW area (maybe nationwide) - they are doing a Marvel week in the theaters showing all the Marvel superhero/Guardians movies in their XD theaters for $5 a showing over the next week. They are staggered so they show 4 a day for the next week (some repeats) and all ticket...
by anil686
Thu Aug 24, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"
Replies: 119
Views: 15502

Re: "I'm Bill Bengen, and I first proposed the 4% safe withdrawal rate in 1994. Ask me anything!"

Regarding the discrepancy from Bengen's withdrawal rates at "50/50" and other sources, from his comments and this article , I think he is talking about a very specific allocation: "35% U.S. large-cap stocks, 18% U.S. small-cap stocks and 47% intermediate-term government bonds". At first glance, my ...
by anil686
Wed Aug 23, 2017 8:40 pm
Forum: Personal Consumer Issues
Topic: Experience finding gas pump card skimmer?
Replies: 46
Views: 4781

Re: Experience finding gas pump card skimmer?

I just had this discussion a few days ago with a friend. He said that skimmers were rampant in our town according to his police detective brother-in-law. One thing he suggested was to use the Exxon SpeedPass app. You download it, add your credit card and then scan a QR code when you buy gas at Exxo...
by anil686
Wed Aug 23, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: Experience finding gas pump card skimmer?
Replies: 46
Views: 4781

Re: Experience finding gas pump card skimmer?

Some gas station is now accept contactless payment such as Apple Pay or android pay. This may also be a solution if you use a gas station like that...
by anil686
Mon Aug 14, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: New Dividends Appreciation data series - backtesting
Replies: 112
Views: 11139

Re: New Dividends Appreciation data series - backtesting

When you used Dividend growth above - which index or rule did you use? was it Aristocrats with the 25 years of increasing dividends, the Nasdaq Achievers index (VG with 10 years) or Morningstar's Index - the five years of growing dividends? On this chart, I was using a composite approach, the S&P 5...
by anil686
Mon Aug 14, 2017 6:17 am
Forum: Investing - Theory, News & General
Topic: New Dividends Appreciation data series - backtesting
Replies: 112
Views: 11139

Re: New Dividends Appreciation data series - backtesting

While I was at it, I was curious about a monthly perspective of the corresponding growth chart. Say $1M invested in 1990. There is little question that the Dividend Growth trajectory (green line) turned out more appealing, both in terms of cumulative growth and in terms of navigating crises. Click ...
by anil686
Thu Aug 03, 2017 8:01 am
Forum: Personal Consumer Issues
Topic: Amazon, eBay, Costco, vs. Walmart?
Replies: 17
Views: 1985

Re: Amazon, eBay, Costco, vs. Walmart?

I used Jet.com for the first time this week. I found some sponges, laundry detergent, and my dog food cheaper than Amazon, Walmart, and Target. I think new accounts get 15% off the first few orders. That's interesting especially since they are owned by Walmart. However, Walmart was going to let the...
by anil686
Tue Aug 01, 2017 6:26 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]
Replies: 63
Views: 5137

Re: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]

I would recommend read Mr. Bogle's Common Sense on Mutual Funds - Chapter 6 - On indexing. There is more to indexing than following an index. What good is a 0.005% fee reduction if capital gains cannot be eliminated by sharing with an ETF class in a taxable account. Tracking error, tax efficiency pl...
by anil686
Tue Aug 01, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: Why is it hard to beat the market?
Replies: 45
Views: 3852

Re: Why is it hard to beat the market?

This was discussed in another thread recently but I don't remember which. Most of the gains in a market come from a small minority of the companies. Unless you cast a very wide net it is unlikely you'll get a good sampling of those companies. And the wider your net the more you will converge on mar...
by anil686
Mon Jul 31, 2017 3:48 pm
Forum: Investing - Theory, News & General
Topic: A Secret of the Index Fund’s Success?
Replies: 25
Views: 3731

Re: A Secret of the Index Fund’s Success?

I will have to re-read the chapter tonight, but I think Mr. Bogle touches on this in Chapter 13 in Common Sense on Mutual Funds (On Taxes). He showed out of the 30 growth stocks purchased at their peak before a market decline in 1970, that group returned about the same as the broad market. However, ...
by anil686
Sun Jul 30, 2017 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Plan for Small Business
Replies: 9
Views: 992

Re: 401K Plan for Small Business

Thanks, appreciate the comments. It's a difficult area to do compares, I'll look into V/A as well. When you call Vanguard small business - make sure they know how small you are. That helps - they have pretty straightforward plans for fixed costs for very small businesses (like under 15 people). Som...
by anil686
Sat Jul 29, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Plan for Small Business
Replies: 9
Views: 992

Re: 401K Plan for Small Business

We use Ascensus/Vanguard - total cost for our group (8 employees but same cost up to 15) is $3600 for both TPA and recordkeeping services per year total. The use admiral shares and for any funds without admiral shares (i.e. TR funds) there is a rebate to bring the cost down to the equivalent of admi...
by anil686
Fri Jul 28, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: help with the appraisal process
Replies: 21
Views: 1568

Re: help with the appraisal process

From personal experience in markets where homes are going above list (like in your case) - most of the time the talk is to reassure you that if the appraisal comes in 30 K lower than what you agreed - the reason you agreed is not the "value" of the house, it is all the intangibles: the community, sc...
by anil686
Thu Jul 27, 2017 11:34 pm
Forum: Investing - Theory, News & General
Topic: Barron's: Vanguard’s Bossing the Bond Game
Replies: 6
Views: 1208

Re: Barron's: Vanguard’s Bossing the Bond Game

Barron's highlighted Vanguard's sheer domination in the fixed income space (both domestic and int'l) in this article: http://www.barrons.com/articles/vanguards-bossing-the-bond-game-1501104229 Total Bond Market II ? Is that some institutional only variant? I believe that is the bond fund used in al...
by anil686
Thu Jul 27, 2017 7:31 pm
Forum: Personal Consumer Issues
Topic: From Chi-Midway: Taxi, Uber, Lyft, or other?
Replies: 26
Views: 2587

Re: From Chi-Midway: Taxi, Uber, Lyft, or other?

I normally use Lyft - because I tip the driver but now you can do that from the Uber app as well. Both are interchangeable to me and I have used them at both O'Hare and Midway without issues. I also agree the pickup part of the Lyft app at airports (IMHO) is better than Uber... One thing that is an ...
by anil686
Thu Jul 27, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. Stock Market — My, How You’ve Changed!
Replies: 52
Views: 5892

Re: U.S. Stock Market — My, How You’ve Changed!

I did not take the OP's point (not the graphic) as an attack on cap weighted indexing. Rather that valuations of companies are different today (maybe by necessity but somebody else can weigh in on that) than in the past. For example, SNAP - when it launched as an IPO was worth more than Southwest Ai...
by anil686
Sun Jun 25, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: [Sam's Club, Costco, BJ's, and other wholesaler clubs]
Replies: 274
Views: 18379

Re: Sam's Club vs. Costco

I have memberships to both - and agree with much of the above. I probably would not drive the 90 minutes to Costco but the quality is superior to Sam's IMO. However, Sam's has quality meat on par with a good grocery store (in house butchers as well). Good deals on similar brand name products and qui...
by anil686
Thu Jun 08, 2017 2:44 pm
Forum: Investing - Theory, News & General
Topic: Does anyone feel they missed out on AMZN, NFLX,TSLA?
Replies: 103
Views: 9414

Re: Does anyone feel they missed out on AMZN, NFLX,TSLA?

3 comments to your post a). Yes - I feel I missed out. They did not seem risky sounds like hindsight bias to me. TSLA always looked like their valuation was stretched from the get go. It really underplays TSLA's volatility during it's rise. Amazon is probably the easy one to say it did not feel risk...
by anil686
Fri May 26, 2017 8:42 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 3612

Re: New car doc fees

There is (was) a cost to do the paperwork. I have no doubt there is work in doing that - but the reason the doc fee is capped is to not make it egregious. The max doc fee a state allows would probably be based (IMO) for a very small dealer (perhaps used) that has very few employees and little comput...
by anil686
Fri May 19, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Information Technology - VGT or VITAX
Replies: 50
Views: 5703

Re: Vanguard Information Technology - VGT or VITAX

Also thought of an IT tilt but thought the addition of Amazon and Tesla would be good too - question for the OP - why not VG growth index - it pretty much copies the IT index minus Microsoft but adds Amazon - of course you also get Disney and down the list Tesla?
by anil686
Thu May 11, 2017 9:37 pm
Forum: Investing - Theory, News & General
Topic: Muni risks other than interest rates
Replies: 7
Views: 1330

Re: Muni risks other than interest rates

Timely post - this guest with Barry Ritholtz goes through some risks like default risk and issues with tax rates and their effects or potential effects on the muni bond market. The guest is a municipal bond manager at JP Morgan. Note - there is a fair amount of political speculation that goes along ...
by anil686
Wed May 10, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 3688

Re: Sunscreen for men in office environment

I use the neutragena as well - it is not the sunscreen - it is the moisturizer. It is not greasy and dries fast. Has no smell and so works with the aftershave I use.
by anil686
Wed May 10, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Performance chasing... vs staying the course
Replies: 9
Views: 1154

Performance chasing... vs staying the course

I contribute monthly to my taxable account and have been for a while - TSM and TISM per my IPS. However, I have began to wonder why I don't allocate more to tech heavy growth index fund. I rationalize this as less dividends/more tax efficient. But the bottom line is I think I am performance chasing....
by anil686
Sun May 07, 2017 4:49 pm
Forum: Investing - Theory, News & General
Topic: Are indexed funds overblown?
Replies: 89
Views: 7854

Re: Are indexed funds overblown?

for those interested in the answer to how much indexing is too much - please listen to the podcast with Barry Ritholz and Andrew Lo - they discuss this. According to Lo, more than 92% would have to index to be too much. In addition, he had some interesting ideas that it would be more beneficial for ...
by anil686
Thu May 04, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: Any argument for NOT using total market/bond funds in taxable account?
Replies: 23
Views: 1994

Re: Any argument for NOT using total market/bond funds in taxable account?

This is an argument presented from the side of segmenting into various style-specific funds: “we know that it works. Style investing helps to diffuse (but not eliminate) risk. Scads of data show that...style investing allows you to take advantage of years of other data that indicate you can goose r...
by anil686
Thu May 04, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Pension vs 401k
Replies: 33
Views: 3044

Re: Pension vs 401k

There was a Masters in Business podcast (the last one I think) - you can find them on iTunes with Barry Ritholtz (spelling) where he had Meir Statman - a professor in behavioral economics. They discussed pensions versus 401Ks and Statman said that companies typically contributed 8% of an employee's ...
by anil686
Thu May 04, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a luxury car (how dumb would it be to do this?)
Replies: 216
Views: 23350

Re: Buying a luxury car (how dumb would it be to do this?)

I would go ahead and get would I would like in your position. Just from experience, I would look for a really good local mechanic that works on a BMW to help with maintenance and repairs. One thing I dislike about BMW is the maintenance "free" thing - they include routine maintenance but of course h...
by anil686
Tue May 02, 2017 6:29 pm
Forum: Personal Consumer Issues
Topic: Minimalist May
Replies: 21
Views: 2456

Re: Minimalist May

Walking with my dog is always near the top of my list (I do buy frisbees every few years to replace the worn out ones so I left dog frisbee off the list). I really enjoy reading e-books from the library - our library now has a large selection. Napping is also one of my favorite hobbies - can't ever ...
by anil686
Sun Apr 30, 2017 7:24 pm
Forum: Personal Consumer Issues
Topic: Buying couches the Boglehead way
Replies: 36
Views: 5087

Re: Buying couches the Boglehead way

Have one of both from the companies listed in the above posts - have one from Costco that is great five years in - holding up well, all leather and is very comfortable. In fact, there was a defect in one of the cushions with a hole and Costco sent a third party vendor over to the house to sew it up ...
by anil686
Sun Apr 30, 2017 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Can you take these Core funds and Create a Three Fund Portfolio?
Replies: 29
Views: 3520

Re: Can you take these Core funds and Create a Three Fund Portfolio?

The TR trust funds are really cheap - it would be an easy way to keep your taxable account in equities and change your bond allocation easily by switching the TR fund choices. Better yet, if you only want 25% international - only invest in TSM in the taxable account since 40% of the TR fund equities...
by anil686
Sun Apr 30, 2017 1:25 pm
Forum: Investing - Theory, News & General
Topic: Another "Why Bonds?" / Buffett 90/10 thread..
Replies: 66
Views: 9610

Re: Another "Why Bonds?" / Buffett 90/10 thread..

Thanks for posting this - I think about this a lot. I think it depends a lot more on your expenses and savings rate than it does an actual AA IMO. If your SWR would be under 3% - it probably seems to work well and probably really well with a SWR under 2%. If your SWR is higher - I think it is harder...
by anil686
Sat Apr 29, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Taxable account question. PRBLX POGRX
Replies: 2
Views: 634

Re: Taxable account question. PRBLX POGRX

Question for a taxable account. I have 80% of my taxable account money in PRBLX. How efficient is this fund for a taxable account? I know its not as efficient as an index fund but i love the funds objective to not lose money. It appears to be more efficient than alot of managed funds. I have the ad...
by anil686
Sat Apr 29, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Help Choosing Company 401k Fund Menu
Replies: 16
Views: 869

Re: Help Choosing Company 401k Fund Menu

Heh. Can you recommend such a fund? One that pays anywhere near a discernible return, that is... :twisted: Sorry, I cannot nor would I want to use one. But a 401(k) plan needs options for people not like me. :) Livesoft is right - you should talk to the advisor about a SV fund. Our plan has it - I ...
by anil686
Fri Apr 28, 2017 10:24 am
Forum: Personal Consumer Issues
Topic: water softener for whole house?
Replies: 28
Views: 3299

Re: water softener for whole house?

I had a Fleck for five years in Indiana with well water which was very hard. I researched it well back in 2005 and chose that since it seemed to be used by a variety of businesses - especially resorts and hotels with a great reputation. Bought it online from a retailer and had a local plumber versed...