Search found 245 matches

by TinkerPDX
Mon Jan 01, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 187
Views: 17349

Re: Why Buy Bonds If You Have A Mortgage?

Suppose you have a too heavy stock allocation ... (my own situation given the last couple of years without rebalancing). I also have a mortgage at 2.625 %. I could/should rebalance by selling some stock and purchasing bonds/cds but my question is more what should I do with future/present extra inco...
by TinkerPDX
Sun Dec 31, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 5787

Re: What is your threshold for paying down debt?

While debt interest rate may seem low, the risk free rate you could get by investing in US treasuries is also low. If somebody is willing to hold a US 10 year treasury worth 2.4% (because presumably their asset allocation includes some bonds) then it doesn't make sense for them to hold 4% student l...
by TinkerPDX
Sun Dec 31, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 5787

Re: What is your threshold for paying down debt?

Two part question: Why are Bogleheads so afraid of debt and what is your threshold between aggressively paying it down or redirecting those payments into investments? * * * I'll take a 3.75% 30 year mortgage all day long and twice on Sunday if it means I can max 401k/roth/beef up taxable but everyo...
by TinkerPDX
Sat Dec 30, 2017 8:36 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1728
Views: 305378

Re: What are you up YTD? [Year To Date]

My guess is that the factor tilters were disappointed this year. I would guess so, too, but the market timing factor tilters beat their benchmarks! :twisted: Or they had a higher percentage of international equities. We just barely beat our benchmark 38/38/24 US/int/bond (s&p, veu, agg - because th...
by TinkerPDX
Mon Dec 25, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 13258

Re: Will you take this Fidelity bait ?

Yes, I would absolutely move my portfolio *now* for $5,000 - but that offer isn't on the table. Sure I'd be the same person, but the marginal benefit to my quality of life of $5,000 would be approximately zero, whereas it would be substantial now. And while $5,000 represents a little less than two ...
by TinkerPDX
Sun Dec 24, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 13258

Re: Will you take this Fidelity bait ?

If my portfolio were worth five million dollars I wouldn't bother with things like transfer bonuses, or meeting with Fidelity advisors. I could be that is why you do not have the 5 million. Just sayin'. One thing I have learned is wealthy people tend not to view monetary matters the way the common ...
by TinkerPDX
Fri Dec 22, 2017 4:39 pm
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 13258

Re: Will you take this Fidelity bait ?

I went in to the Fidelity Center in our city to meet with their Financial Planner. As I do most of the Portfolio decisions myself I wanted another set of eyes to look over my Vanguard investments for an objective(??) opinion. I have little money still left with Fidelity apart from a 529 . We transf...
by TinkerPDX
Tue Dec 12, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2571

Re: What MPG App Do You Use To Track Fuel Usage ?

When I fill the tank, I reset the trip odometer and do a rough calculation in my head of the MPG based on the fill-up. If it's particularly high or low, I'll think about the past couple weeks and mentally confirm that it makes sense. Nothing more than that. Our driving habits are so inconsistent tha...
by TinkerPDX
Sat Dec 02, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: At what spread would you invest in a short term CD vs a High Yield Savings Account?
Replies: 15
Views: 1506

Re: At what spread would you invest in a short term CD vs a High Yield Savings Account?

i'd consider saving up in a total bond/similar fund to get a little more interest, even though there's a little more risk. Leaving so much money in cash so long sounds the most risky. Ought to get you 2.5%. Worst case scenario is you lose a few percent, but that's fairly unlikely. Trade-off sounds g...
by TinkerPDX
Thu Nov 30, 2017 9:47 pm
Forum: Investing - Theory, News & General
Topic: What can we learn from BitCoin’s surge?
Replies: 37
Views: 3257

Re: What can we learn from BitCoin’s surge?

I’ve had similar thoughts. Bought a single share of Facebook on IPO day—wish I’d put all my NW in it. Bought a couple shares of Alibaba on IPO day, and ended up selling early at a small profit as the volatility didn’t feel good. It’s of course way up since then. Bought some shares of KING (I think -...
by TinkerPDX
Wed Nov 29, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: So i hit 6 figures... (questions about financials)
Replies: 19
Views: 3830

Re: So i hit 6 figures... (questions about financials)

So this month I hit the 100k mark! Very excited to hit this milestone. Had nowhere else to brag about it so I figured might as well announce it here. 27 by the way and that figure looks to keep on growing. I will gracefully take a bow, but I owe it all to this website and starting my Roth IRA at 22...
by TinkerPDX
Wed Nov 29, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11198

Re: Didn't buy Bitcoin at $4600

Wish I could make all my investing decisions with the benefit of a few months' (or years') hindsight. Anyone who could would own the world pretty quickly. Happy for the folks who have huge bitcoin gains (including my BIL who bought $10,000 or so when it was under $1,000, and who I encouraged, unsucc...
by TinkerPDX
Fri Nov 24, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9145

Re: Why does everyone keep increasing their international stock %?

Because the correct allocation is the one that approximates the market portfolio (which is about 55% international), but there is still a lot of home bias that people are getting over. Investing in international has exchange rate risk so you need to be right about the investment performance and rig...
by TinkerPDX
Fri Nov 24, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9145

Re: Why does everyone keep increasing their international stock %?

Because the correct allocation is the one that approximates the market portfolio (which is about 55% international), but there is still a lot of home bias that people are getting over. Investing in international has exchange rate risk so you need to be right about the investment performance and rig...
by TinkerPDX
Fri Nov 24, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9145

Re: Why does everyone keep increasing their international stock %?

AlohaJoe wrote:
Thu Nov 23, 2017 8:58 pm
You could try searching the forum and seeing the 10,000 previous threads of the topic of international investing.
!l :sharebeer
by TinkerPDX
Fri Nov 24, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Value Index Mutual Fund Question
Replies: 5
Views: 662

Re: Vanguard Value Index Mutual Fund Question

Has anyone done the actual research on how the Vanguard Value Indexes are created, meaning which companies are included in the Value Index? I see many wanting to 'tilt' towards value based on past 'evidence' it produces better returns. Here is an overview of how it is constructed in more simplistic...
by TinkerPDX
Mon Nov 20, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC to Maximize Retirement Contribution
Replies: 32
Views: 3054

Re: HELOC to Maximize Retirement Contribution

Fixed (or at least low adjustable) rate? If so, I’d consider it as long as you have it budgeted to pay down reasonably. Shame to miss tax-advantaged space—unless the cost is high.
by TinkerPDX
Sun Nov 19, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: College 529 Analysis
Replies: 19
Views: 2137

Re: College 529 Analysis

Ours is with the state plan, and none of the online trackers interface well with it. Portfolio Visualizer kind of does, but not well. We only have three funds (US index, Int index, Bond index), so I just update it manually in a spreadsheet once a year and rebalance based on what the SS tells me to d...
by TinkerPDX
Sun Nov 19, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Operating agreement template?
Replies: 6
Views: 486

Re: Operating agreement template?

I have a two-member LLC taxed as an S Corp. I don't have an Operating Agreement (my state does not require one). I am now applying for a government program that requires that I submit an Operating Agreement. Are there any good templates online that I could use? Or am I being foolish and I should pa...
by TinkerPDX
Sun Nov 19, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 6057

Re: How much do you budget for vacation?

For now, “big” and “small” vacation budgeted in alternating years at $5,000 and $2,500. Family of 4 (youngest <1year, which limits options now). Household ncome ~ $160,000. This is what I use for predictive planning, mostly. I expect once the kids are older, we’ll do more, more substantial, and more...
by TinkerPDX
Thu Nov 16, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 276
Views: 48027

Re: USAA 2.5% Cash Back Credit Card

I've been waiting for this card for a while now. Just called USAA and the rep said that it's now rolled back to just one state (Louisiana). I'm guessing will cease to exist soon. Guess I'll just have to be content with 2% for now! :annoyed It doesn't look like they've updated their website to refle...
by TinkerPDX
Wed Nov 15, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Operating agreement template?
Replies: 6
Views: 486

Re: Operating agreement template?

I have a two-member LLC taxed as an S Corp. I don't have an Operating Agreement (my state does not require one). I am now applying for a government program that requires that I submit an Operating Agreement. Are there any good templates online that I could use? Or am I being foolish and I should pa...
by TinkerPDX
Tue Nov 14, 2017 1:03 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 15875

Re: Why pay cash for a car?

I can understand paying off a mortgage, because rates are higher than car loans. And you wouldnt take a new loan out to invest in the market now. I am saving cash for my next car purchse. But why? Car loans are cheap. My current car is paid off and i like being debt free. Is that the best method? F...
by TinkerPDX
Wed Nov 08, 2017 12:14 am
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 9304

Re: "I took all my money out of the stock market and it feels amazing"

Levett wrote:
Tue Nov 07, 2017 6:13 pm
Some odd responses.

I am happy for her.

Lev
+1

I wonder what her actual numbers are.
by TinkerPDX
Mon Nov 06, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 10405

Re: Disposable income... how?

It's not complicated - as others have answered, they're going into debt instead of saving. You're killing it. Keep it up! We're in a similar spot and I often have similar feelings. Stick with your discipline, it will pay off. I'll take earlier financial independence over a materially over-indulgent ...
by TinkerPDX
Sat Nov 04, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Should I invest my emergency fund?
Replies: 29
Views: 3513

Re: Should I invest my emergency fund?

I am still trying to figure out how much to have as an emergency fund but when I got that figured, do you think it would be a good idea to put some or all of it in TIPS or a Bond Index fund? This would be in my non-retirement account. I realize it is better to have these investments in tax sheltere...
by TinkerPDX
Fri Nov 03, 2017 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: How has your AA philosophy changed over the years?
Replies: 45
Views: 4045

Re: How has your AA philosophy changed over the years?

First had some real money and I a) foolishly paid down a bunch of 2.625% student debt and b) invested in CDs and clean energy stocks in a taxable account because I had no idea what I was doing. At some point I learned about IRAs and opened one. Eventually found this site (and others) and learned abo...
by TinkerPDX
Thu Nov 02, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: tax law - when does mortgage need to be entered to avoid $500k interest deduction cap?
Replies: 9
Views: 1192

tax law - when does mortgage need to be entered to avoid $500k interest deduction cap?

Can any of the tax pros out there tell us when the proposed tax law (if it passes) would be effective? We are just about to purchase a home with a mortgage over $500k. Plan was to execute 1/1/18 - can we still expedite and get within the "existing mortgage" exception to the proposed $500k cap?
by TinkerPDX
Wed Nov 01, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: what % return do you use?
Replies: 62
Views: 4571

Re: what % return do you use?

I know there are a lot of folks that are in similar situations as me. I have a good stache saved up, I have a pretty good idea of when I'll hit my magic number where I'll be FIRE, but I wonder if I'm overly optimistic. Basically, most sites you read say 7% is a fairly common number to use for retur...
by TinkerPDX
Wed Oct 25, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: NASDAQ as a significant portfolio component?
Replies: 29
Views: 1903

Re: NASDAQ as a significant portfolio component?

30 years isn't that long. Nasdaq has killed this year - beware performance chasing. Almost all of the Nasdaq stocks are also covered in sp 500: https://www.etfresearchcenter.com/tools/overlap.php?f1=Spy&f2=QQQ, and certainly in a total market fund. So it's not a question of whether to include it, bu...
by TinkerPDX
Wed Oct 25, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Critical Mass
Replies: 13
Views: 2403

Re: Financial Critical Mass

Thanks for the quote. Encouraging words for those of us a decade or three out...
by TinkerPDX
Mon Oct 23, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Favorite HIIT Workouts
Replies: 24
Views: 1908

Re: Favorite HIIT Workouts

NYT's "9 minute workout" is 9 1-minute body weight exercises that I've come to like. Includes burpies, split squats, mountain climbers, body weight squats, push ups, planks, etc. each easy enough in its own, but a pretty intense little set together.
by TinkerPDX
Mon Oct 23, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: Why not just annuitize and be done with it?
Replies: 52
Views: 16944

Re: Why not just annuitize and be done with it?

You may be confusing payout for return. You could get a 6% payout over 16 years with 0% return. The 6% and 4% are not apples:apples. That said, if you want 0 longevity risk and are willing to sacrifice total (probable) income for it, annuitization of all or most of the portfolio makes sense. As for ...
by TinkerPDX
Mon Oct 23, 2017 4:33 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Do Hedge Funds Exist?
Replies: 10
Views: 1437

Re: Larry Swedroe: Why Do Hedge Funds Exist?

Isn't a hedge fund traditionally to make money in other than long positions - i.e. to be able to profit in bad markets? Of course they get beat when the market does great. Curious what that index's performance looked like on prolonged weak/bear markets.
by TinkerPDX
Sat Oct 21, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 6268

Re: Letter from CC company (Discover) re: current income

My wife's is a school teacher so her income is a matter of public record (yes, I have looked it up online to verify that) Can anyone tell me once I am their customer what are their rights to looking up information about me? I would assume they have made me agree to a broad spectrum of information g...
by TinkerPDX
Sat Oct 21, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 6268

Re: Letter from CC company (Discover) re: current income

Perhaps this info would make the other info they have about you more valuable to sell to others (and be valuable itself). Why not just ask? I do periodically get this question when logging in online. I am in a phase where income is steadily increasing and where I want more credit for the sake of low...
by TinkerPDX
Sat Oct 21, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: Indexing: capitalism at its finest
Replies: 4
Views: 629

Indexing: capitalism at its finest

Good articulation if how having most of the market owned by passive funds, far from threatening the market, actually drives efficient price discovery:

http://www.marketwatch.com/story/dont-l ... 2017-10-11
by TinkerPDX
Mon Oct 16, 2017 7:52 pm
Forum: Investing - Theory, News & General
Topic: How does everyone keep track of your portfolio?
Replies: 157
Views: 13498

Re: How does everyone keep track of your portfolio?

Google sheet w GOOFLEFINANCE function that automatically updates ETF prices, which I manually update twice a month when I buy, based on what the sheet tells me to do to maintain AA Also have a personal capital account which is moderately useful, but for calling REITs an "alternative" and for th occa...
by TinkerPDX
Wed Oct 11, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 13334

Re: 100% in bond to wait for market crash?

Since the stock market value most expensive except year 2000 ( p/e https://www.quandl.com/data/MULTPL/SHILLER_PE_RATIO_MONTH-Shiller-PE-Ratio-by-Month ). Also since the bond having roughly 2.3% return, please convince me not to collect 2.3% in bond and wait for stock correction. I dont to want to s...
by TinkerPDX
Tue Oct 10, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: 100% in bond to wait for market crash?
Replies: 122
Views: 13334

Re: 100% in bond to wait for market crash?

Since the stock market value most expensive except year 2000 ( p/e https://www.quandl.com/data/MULTPL/SHILLER_PE_RATIO_MONTH-Shiller-PE-Ratio-by-Month ). Also since the bond having roughly 2.3% return, please convince me not to collect 2.3% in bond and wait for stock correction. I dont to want to s...
by TinkerPDX
Tue Oct 10, 2017 3:34 pm
Forum: Investing - Theory, News & General
Topic: Longterm Investing Renewable ETFs
Replies: 14
Views: 815

Re: Longterm Investing Renewable ETFs

This is a sector bet like any other. Faithful Bogleheads oppose sector bets. If clean energy really will outperform, the market should know that, so it should be "priced in" such that there won't really be any free lunch to be had. It's therefore inconsistent with our basic principle of buying the m...
by TinkerPDX
Mon Oct 09, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: Paternity/Maternity Leave & Its Influence on Career Trajectory
Replies: 23
Views: 1925

Re: Paternity/Maternity Leave & Its Influence on Career Trajectory

Struggling with this too. We get 12 weeks paid, but it's only recently expanded from 8 to 12. A few have done it. Our baby was born two weeks ago. I've committed to taking all 12 weeks, both to DW and to the boss, both for me and my family's sake, and for the sake of others at the firm (especially m...
by TinkerPDX
Wed Oct 04, 2017 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Are you investing in Emerging Market small caps?
Replies: 25
Views: 1867

Re: Are you investing in Emerging Market small caps?

I do; but it's hard to get good ETFs for this. Within my international allocation, I have 10% emerging (VWO and SCHE), 10% emerging small (EWX, higher fee than anything else I own) and 10% emerging value (or the best approximation available to me, FNDE). Not certain it's perfect or right, but it's t...
by TinkerPDX
Tue Oct 03, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Getting father-in-law off of UBS & its 1.5% AUM fee
Replies: 31
Views: 3087

Re: Getting father-in-law off of UBS & its 1.5% AUM fee

I have seen lots of good suggestions here about helping some family member or another see the light of focusing on lower fees and diversification. I am always fascinated and confused by 2 things that repeatedly come up on this forum, the need people feel to directly insert themselves in the finance...
by TinkerPDX
Tue Oct 03, 2017 3:59 pm
Forum: Personal Consumer Issues
Topic: Is it a waste of money having your furnace checked every year?
Replies: 58
Views: 6635

Re: Is it a waste of money having your furnace checked every year?

Maintaining the warranty. Maybe I shouldn't have taken it as true, but when we had a new, ultra HE gas furnace installed a couple years back, they said the 10-year warranty could be voided if we didn't do annual maintenance. $80/year or whatever it is to cover all the above potential risks plus that...
by TinkerPDX
Fri Sep 29, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Getting father-in-law off of UBS & its 1.5% AUM fee
Replies: 31
Views: 3087

Re: Getting father-in-law off of UBS & its 1.5% AUM fee

Great thoughts from all, thanks! Have you thought about steering them toward the Vanguard Personal Advisor Services? Then it becomes "Here is a less expensive way to do what you are already doing." Rather than a "You are doing this wrong. I will show you a better way." Exactly where I'd like to get ...
by TinkerPDX
Tue Sep 19, 2017 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Getting father-in-law off of UBS & its 1.5% AUM fee
Replies: 31
Views: 3087

Getting father-in-law off of UBS & its 1.5% AUM fee

I have seen lots of good suggestions here about helping some family member or another see the light of focusing on lower fees and diversification. My father-in-law is a classic case of paying for poor performance; his UBS advisor charges him 1.5% (even though his portfolio is 7 figures), and has him...
by TinkerPDX
Mon Aug 21, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Optimizing Roth/Traditional in mixed account
Replies: 12
Views: 1170

Re: Optimizing Roth/Traditional in mixed account

I apologize if this is implied in your response, but it should be clarified that it's not worth 25% less if you are in the 25% bracket, but rather worth less based on an individual's EFFECTIVE tax rate which should be much less for most investors. So $1 in traditional may be worth 88cents in a roth...
by TinkerPDX
Sun Aug 20, 2017 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Optimizing Roth/Traditional in mixed account
Replies: 12
Views: 1170

Re: Optimizing Roth/Traditional in mixed account

If you will retire in a 25% tax bracket, then $4000 in a traditional account and $3000 in a Roth account will have the same after-tax value when invested the same way, so there is no advantage to holding bonds or stocks in one or the other. $3500 in an account which is half Roth would also be equiv...