Search found 318 matches

by staybalanced
Thu Sep 28, 2017 5:56 am
Forum: Personal Investments
Topic: Which 401k plan is better? This is for a small dental office
Replies: 34
Views: 5317

Re: Which 401k plan is better? This is for a small dental office

We use Paychex for 401k. Believe it or not, their fees are quite reasonable. $130 per month admin fee (company pays), .30% asset fee (employees pay), plus underlying fund fees. You can choose a fund lineup of pretty much anything you want. We have vanguard, schwab index, and DFA funds in our plan. ...
by staybalanced
Wed Sep 27, 2017 12:36 pm
Forum: Personal Investments
Topic: Which 401k plan is better? This is for a small dental office
Replies: 34
Views: 5317

Re: Which 401k plan is better? This is for a small dental office

We use Paychex for 401k. Believe it or not, their fees are quite reasonable. $130 per month admin fee (company pays), .30% asset fee (employees pay), plus underlying fund fees. You can choose a fund lineup of pretty much anything you want. We have vanguard, schwab index, and DFA funds in our plan. T...
by staybalanced
Thu Sep 07, 2017 6:17 am
Forum: Investing - Theory, News & General
Topic: Do retiree BHs actually run down their portfolios?
Replies: 73
Views: 11148

Re: Do retiree BHs actually run down their portfolios?

So, 4% is a safe withdrawal rate but 5% is insane reckless folly? I don't believe I follow that logic very well. Huh? It's not logic, it's math. 5% is 25% more than 4%, that is a large increase in spending. Many periods would cause your portfolio to drop off the cliff before the often cited 30 yr r...
by staybalanced
Tue Aug 29, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: too much money in indexes?
Replies: 19
Views: 4719

Re: too much money in indexes?

It's self-correcting. If the market becomes inefficient, that will create opportunities for stock pickers and active managers, and investors will move away from indexing, making the market more efficient again. Although if the past is any guide, they won't even wait that long. There are always peop...
by staybalanced
Mon Aug 28, 2017 12:17 pm
Forum: Personal Investments
Topic: Investing toddler's cash
Replies: 13
Views: 1784

Re: Investing toddler's cash

We use UTMA, the only holding is VT total world etf. This is mostly birthday money, small amounts.
by staybalanced
Mon Aug 28, 2017 6:19 am
Forum: Investing - Theory, News & General
Topic: Higher Expected Return International - Small Premium
Replies: 0
Views: 511

Higher Expected Return International - Small Premium

I've heard some say that over time Ex-US stocks should be similar to US, but they may move at different times providing a diversification benefit. Ok, I buy that and hold Total International Stock Funds. Question, would the median market cap of International - around 25 billion vs 61 billion for US ...
by staybalanced
Fri Aug 18, 2017 6:58 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 7194

Re: Powerball - $510 million?

With all the disciplined investors here, am wondering how many buy Powerball tickets when the prize gets this big? I picked up one today for $2. Saturday’s jackpot ....has grown to an estimated $510 million, making it the fifth-largest ever offered in the game and ranking it eighth among the bigges...
by staybalanced
Wed Aug 16, 2017 1:21 pm
Forum: Personal Investments
Topic: A modified VTSAX
Replies: 6
Views: 1244

Re: A modified VTSAX

You should just buy the large cap value index fund. Of course down the road, one or more of those companies may actually become a value stock again...
by staybalanced
Thu Aug 10, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 7655

Re: Alternatives to the Vanguard Total International Fund?

Vanguard has two large cap active international funds, Growth and Value. Both have pretty good track records, also international explorer has been a good fund. I own the international explorer in 401k and have been pleased. I don't have a problem with low cost active, Vanguard has quite a few active...
by staybalanced
Wed Aug 09, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: 4% Rule has changed.....not
Replies: 80
Views: 11322

Re: 4% Rule has changed.....not

They sell annuities. Of course they want to sow fear of running out of money. The video makes the point (and I think it's valid as far as it goes) that in a scenario where the stock market has a bear-market loss (20% or so) three or four years in a row at the start of retirement, a straight 4%-plus...
by staybalanced
Wed Aug 09, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: 4% Rule has changed.....not
Replies: 80
Views: 11322

4% Rule has changed.....not

Amazing that this individual has CFP next to his name.....absolutely dumb and misleading video. https://www.northwesternmutual.com/learning-center/videos/the-4-percent-rule-things-have-changed?email=cdbc4b875f758f93e71880ffd5e809bd&AgentID=013763&bid=8947391&eVar4=Newsbrief&cmpid=EMC...
by staybalanced
Mon Aug 07, 2017 6:08 am
Forum: Investing - Theory, News & General
Topic: Can real estate investing (actual properties) be relatively "hands off"?
Replies: 50
Views: 8596

Re: Can real estate investing (actual properties) be relatively "hands off"?

abuss368 wrote:Bogleheads -

Is anyone aware of websites or other areas of information for small apartment investment opportunities?

Best.
I think Bigger Pockets website would be the place to look/ask.
by staybalanced
Fri Aug 04, 2017 9:06 am
Forum: Investing - Theory, News & General
Topic: Paul Singer Says Passive Investing Is ‘Devouring Capitalism’
Replies: 24
Views: 3734

Re: Paul Singer Says Passive Investing Is ‘Devouring Capitalism’

In theory if everyone truly blindly purchased investments I could see a problem with that....but I don't think that is likely to happen. I think the second, I mean literally within seconds of something deviating far from it's value, you would have millions of investors racing towards it. Even on thi...
by staybalanced
Fri Jan 06, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: GDP vs Market Return
Replies: 32
Views: 2989

Re: GDP vs Market Return

You are correct if a company has zero earnings then it would shrink the equity or is using borrowings for excessive buybacks. Most companies have positive earnings. Company makes $100/ share of earnings. Spends $50/ share on buybacks, reinvests the rest. You'd still have falling share count, and de...
by staybalanced
Fri Jan 06, 2017 11:21 am
Forum: Investing - Theory, News & General
Topic: GDP vs Market Return
Replies: 32
Views: 2989

Re: GDP vs Market Return

3. what drives stocks long run is Earnings Per Share. US companies tend to buyback shares (this increases the value of stock options awarded to executives, whereas paying dividends reduces that value). So the total amount of equity out there may shrink I wouldn't say that it shrinks equity, it real...
by staybalanced
Fri Jan 06, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Amazon Visa? And another question...
Replies: 11
Views: 1802

Re: Amazon Visa? And another question...

Strange, I carry the capital one quicksilver for majority of spending, use a wells fargo visa card (have had for years not sure the exact rewards) for some auto pay stuff, and recently got the Amazon visa card. I wouldn't cancel any cards right now if you may be buying a home, just let them sit idle...
by staybalanced
Fri Jan 06, 2017 9:19 am
Forum: Personal Investments
Topic: Did I make a mistake-VDIGX or VTI?
Replies: 13
Views: 3294

Re: Did I make a mistake-VDIGX or VTI?

Thanks very much for your detailed response, Tropik Thunder. I did not know that VDIGX is now closed to new investors. That's very interesting. I also had no idea that VDIGX is composed of just 45 stocks. I'm a little embarrassed that I invested with such little knowledge of what I was doing! Lots ...
by staybalanced
Fri Jan 06, 2017 8:01 am
Forum: Investing - Theory, News & General
Topic: GDP vs Market Return
Replies: 32
Views: 2989

Re: GDP vs Market Return

You are correct if a company has zero earnings then it would shrink the equity or is using borrowings for excessive buybacks. Most companies have positive earnings. Apple for example has managed to reduce it's share count and increase stockholders equity. It is also using borrowings due to the fact ...
by staybalanced
Fri Jan 06, 2017 7:45 am
Forum: Investing - Theory, News & General
Topic: Thoughts on ishares multifactor ETFs?
Replies: 16
Views: 3822

Re: Thoughts on ishares multifactor ETFs?

I would be interested in Larry's thoughts on this in regards to a "factor bubble". I recall recently reading something about the creation of funds right at market peaks such as technology funds in late 90's and real estate funds leading into 2007. I am not saying I think there is a factor ...
by staybalanced
Fri Jan 06, 2017 7:27 am
Forum: Investing - Theory, News & General
Topic: GDP vs Market Return
Replies: 32
Views: 2989

Re: GDP vs Market Return

Ok, this is another my newbie questions, but a search didn't give me many answers. The US GDP growth is about less than 3% per year, average of annual Total Market Index returns at least doubles that. So why is there such a big difference? Where did the extra market value come from? 1. of course US...
by staybalanced
Thu Jan 05, 2017 12:53 pm
Forum: Personal Investments
Topic: 500K milestone celebration
Replies: 74
Views: 9995

Re: 500K milestone celebration

Voyager Select, ask them for a coffee mug.
by staybalanced
Thu Jan 05, 2017 12:20 pm
Forum: Personal Investments
Topic: Moving Away from Robotraders - Good idea?
Replies: 23
Views: 2833

Re: Moving Away from Robotraders - Good idea?

Well, passing up TLH is in my opinion a mistake. I don't personally find it to be difficult or time-consuming, but it isn't free either effort or time. If it's that easy and takes little time, I have no issues with doing it. That said, how do I do my own TLH? The best thing to do is a search in the...
by staybalanced
Thu Jan 05, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Why S & P 500 fund is safer than Total Stock Market fund
Replies: 40
Views: 7596

Re: Why S & P 500 fund is safer than Total Stock Market fund

It is the same TSM 1 sp500 2 Initial Balance Final Balance CAGR Std.Dev. Best Year Worst Year Max. Drawdown Sharpe Ratio Sortino Ratio US Mkt Correlation 1 $10,000 $82,077 9.17% 14.97% 35.79% -37.04% -50.89% 0.50 0.72 1.00 2 $10,000 $80,376 9.07% 14.57% 37.45% -37.02% -50.97% 0.51 0.73 0.99 Since th...
by staybalanced
Thu Jan 05, 2017 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help with S Corp nuts and bolts
Replies: 13
Views: 1758

Re: Help with S Corp nuts and bolts

Do not do payroll yourself, your time is worth much more...trust me. Check out gusto payroll, or sure payroll. I had problems with intuit payroll in my business with quarterly filings. It is worth going full service payroll even just for one person, gusto charges $45 per month to do everything you n...
by staybalanced
Tue Jan 03, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: Champion of 401K Lament the Revolution they Started
Replies: 75
Views: 6237

Re: Champion of 401K Lament the Revolution they Started

Unfortunately the general public is very uneducated about investments. There is no problem with the 401k, there is a savings rate problem. I would gladly keep all of my fica and medicare tax and invest on my own in 401k.
by staybalanced
Wed Dec 28, 2016 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!
Replies: 249
Views: 72305

Re: Surprise financial disaster, severe debt $300K caused by brother-in-law - Please help!

Very sad. Your BIL is obviously not well. That's a possibility, but we don't know it. Not every criminal is sick. Sometimes crooks are just crooks. By saying not well, I just meant generally, not necessarily "sick". In my opinion, someone who would do those things is not well, maybe moral...
by staybalanced
Tue Dec 27, 2016 7:03 am
Forum: Personal Investments
Topic: Moving from VTI+VXUS to VT (super lazy portfolio)
Replies: 8
Views: 2888

Re: Moving from VTI+VXUS to VT (super lazy portfolio)

I would stop re-investing dividends now, then slowly sell off the remaining positions while carefully monitoring your tax situation.

Personally, I hold the two separate funds. I allocate the recommended (by vanguard) 40% to international.
by staybalanced
Thu Dec 22, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: Help choosing a mattress
Replies: 38
Views: 7066

Re: Help choosing a mattress

We have a temper pedic, it is one of the best purchases we have ever made. Takes about 2 weeks to get used to the feel of it vs a regular mattress. Once you adapt to it, you will never go back. IMO I have one and have been unhappy with it for years. DW is happy, though, so I've put up with it. We a...
by staybalanced
Wed Dec 21, 2016 7:04 am
Forum: Personal Consumer Issues
Topic: Help choosing a mattress
Replies: 38
Views: 7066

Re: Help choosing a mattress

We have a temper pedic, it is one of the best purchases we have ever made. Takes about 2 weeks to get used to the feel of it vs a regular mattress. Once you adapt to it, you will never go back. IMO
by staybalanced
Mon Dec 19, 2016 12:23 pm
Forum: Personal Investments
Topic: VWIUX Vanguard Intermediate Tax Expt - Should I trade out?
Replies: 22
Views: 3364

Re: VWIUX Vanguard Intermediate Tax Expt - Should I trade out?

IMO you should stick to your plan. I hold the same fun, I am not worried about it at all. Rising rates over time will be a good thing. If you have a long time horizon, mine is forever then you will benefit from it.
by staybalanced
Thu Dec 15, 2016 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Financial Stress
Replies: 38
Views: 7321

Re: Financial Stress

The sky is not falling. You need to move on with your life, you are not that old, and your savings are not that bad considering your salary. Your college degree has nothing to do with your current situation unless you allow it to. I know many successful people who do things completely unrelated to t...
by staybalanced
Wed Dec 14, 2016 9:34 am
Forum: Personal Finance (Not Investing)
Topic: [55% of households have Zero Credit Card Debt]
Replies: 30
Views: 4068

Re: NOT REALLY!!!!!! Re: US households average $16k credit card debt!!!

livesoft wrote:BTW, this is how Fake News goes Viral.

Please edit your original post and the thread title. Thanks!
I edited the title, thanks
by staybalanced
Wed Dec 14, 2016 7:37 am
Forum: Personal Finance (Not Investing)
Topic: [55% of households have Zero Credit Card Debt]
Replies: 30
Views: 4068

Re: US households average $16k credit card debt!!!

Jags4186 wrote:Article said indebted households carry $16k not average of all households--which I assume includes a lot of people with $0 debt.
I admit I overlooked that which changes things quite a bit.
by staybalanced
Wed Dec 14, 2016 7:18 am
Forum: Personal Finance (Not Investing)
Topic: [55% of households have Zero Credit Card Debt]
Replies: 30
Views: 4068

[55% of households have Zero Credit Card Debt]

http://www.cnbc.com/2016/12/13/us-households-now-have-over-16k-in-credit-card-debt.html This is truly staggering to me. I use a credit card every day and I have for more than a decade and I have never, not one time not paid it off in full each month. I currently use (primarily) the capital one card ...
by staybalanced
Tue Dec 13, 2016 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Section 179 Deduction for Bussiness (Taxes)
Replies: 3
Views: 707

Re: Section 179 Deduction for Bussiness (Taxes)

Hello, My spouse does some freelancing work and this year manage to have some business income. We are considering to use it to replace laptop she uses. I have been looking up section 179 deduction, thinking that we can just take the deduction for 2016 taxes since it's simpler than depreciating it. ...
by staybalanced
Mon Dec 12, 2016 1:05 pm
Forum: Personal Investments
Topic: Stocks soaring
Replies: 13
Views: 3172

Re: Stocks soaring

Well, I was fine with leaving my investments, mostly in Vanguard funds, "as is" in retirement with about 75% stock (mostly in funds, some balanced). Then along comes the election and stocks have soared. My Vanguard asset mix has stock about 95%. Holy cow! I have to believe this rapid rise...
by staybalanced
Mon Dec 12, 2016 9:48 am
Forum: Investing - Theory, News & General
Topic: Fascinating study on investors (some) preference for gambling
Replies: 4
Views: 867

Re: Fascinating study on investors (some) preference for gambling

Does this further back up the value premium?

Also, would this article be a case for using a financial advisor or portfolio manager to eliminate behavioral biases?

Thanks!
by staybalanced
Wed Dec 07, 2016 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Whole Cash Value Life Insurance (65 Life)
Replies: 21
Views: 3589

Re: Northwestern Mutual Whole Cash Value Life Insurance (65 Life)

Isn't there a free look period? I recall that when I was pitched the same product.
by staybalanced
Wed Dec 07, 2016 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Whole Cash Value Life Insurance (65 Life)
Replies: 21
Views: 3589

Re: Northwestern Mutual Whole Cash Value Life Insurance (65 Life)

Does anyone know how to post a google doc or pdf on here? I did a study on a NML 65 life vs an annual renewable term and invest the difference and it shows how to beat the insurance company at their own game.
by staybalanced
Wed Dec 07, 2016 7:16 am
Forum: Personal Investments
Topic: How much risk do we need to take? Retired at age 47.
Replies: 56
Views: 7866

Re: How much risk do we need to take? Retired at age 47.

50/50 Mr. Markowitz was then working at the RAND Corporation and trying to figure out how to allocate his retirement account. He knew what he should do: “I should have computed the historical co-variances of the asset classes and drawn an efficient frontier.” (That’s efficient-market talk for draini...
by staybalanced
Tue Dec 06, 2016 12:51 pm
Forum: Personal Investments
Topic: Another "emergency fund in muni bonds" question...
Replies: 14
Views: 2308

Re: Another "emergency fund in muni bonds" question...

It is a perfectly good idea. I am sure you have adequate cash flow to take care of a broken dishwasher without resorting to your emergency fund. My last "emergency" that couldn't be fixed with a checking account was in 1962. Dale Double Yes! I feel like the portfolio is the everything fund.
by staybalanced
Tue Dec 06, 2016 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: What is best health ministry for health insurance?
Replies: 25
Views: 3665

Re: What is best health ministry for health insurance?

I know 2 different couples who have used medi-share for a couple of years and have been very pleased. I considered it, but stayed with blue cross (self employed me and wife no subsidy, high earners). I just didn't feel it was worth the risks, my premiums are high, but financial ruin could be higher ...
by staybalanced
Tue Dec 06, 2016 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance Review
Replies: 2
Views: 638

Insurance Review

Me 31 wife 31 1m annual renewable term each with NML. NML is not the cheapest for term, however their ART is cheaper in the early years, it costs more than a typical term policy L20 at around year 18 on a cumulative basis. They do not offer a level 30 however their ART doesn't cost more than a typic...
by staybalanced
Sat Dec 03, 2016 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Whole Cash Value Life Insurance (65 Life)
Replies: 21
Views: 3589

Re: Northwestern Mutual Whole Cash Value Life Insurance (65 Life)

Dump it. 94k is good money, but definitely don't want to drop 4800 of that on insurance. You may be able to exchange to a vanguard variable annuity and use the negative cost basis, but I am not sure since there is only $12 in there. Someone else probably has the answer on that.
by staybalanced
Sat Dec 03, 2016 2:33 pm
Forum: Investing - Theory, News & General
Topic: Is it Legal for a Company to buy its own shares ?
Replies: 9
Views: 1836

Re: Is it Legal for a Company to buy its own shares ?

Are you sure they aren't repurchasing shares to increase owners equity, as part of a capital return program? This is very common and often good for the shareholders.

Where did you see they were creating "fake" volume
by staybalanced
Sat Dec 03, 2016 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual Whole Cash Value Life Insurance (65 Life)
Replies: 21
Views: 3589

Re: Northwestern Mutual Whole Cash Value Life Insurance (65 Life)

Policy Type: 65 Life (Whole Life Policy) Cash Value Annual Premium: $4,800.00 Current Cash Value: $12.30 Net Death Benefit: $389,835.00 Insured: myself (25 years of age) Direct Beneficiaries: My mom (I have no spouse or kids) Owner: myself Payer: myself Annual Premiums Due: 11/14/2016 (paid through...
by staybalanced
Fri Dec 02, 2016 1:51 pm
Forum: Investing - Theory, News & General
Topic: Are bonds still better placed in tax-shielded accounts?
Replies: 9
Views: 1295

Re: Are bonds still better placed in tax-shielded accounts?

What about bonds in Balanced funds where the bond portion may be 40% and stocks 60%? This is no different than holding two funds separately. I don't think holding that fund is ideal but you could do much worse. The 10 yr tax drag was 70 bps under the worse case. Your actual situation probably would...
by staybalanced
Fri Dec 02, 2016 1:49 pm
Forum: Investing - Theory, News & General
Topic: Are bonds still better placed in tax-shielded accounts?
Replies: 9
Views: 1295

Re: Are bonds still better placed in tax-shielded accounts?

I am always curious when someone asks that if they are maxing out all tax advantaged space? I like to keep some taxable fixed income for liquidity, muni fund, cd's, hi yield savings. You can get around this by selling a taxable stock fund in taxable and then tweaking your bonds in your ira to stay i...
by staybalanced
Fri Dec 02, 2016 1:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard VA questions
Replies: 5
Views: 981

Re: Vanguard VA questions

I would think that while there may be no direct tax consequences of rebalancing within an annuity you would lose the benefit of lower tax rates for capital gains etc wouldn't you? Of course, the advantages of capital gains may depend on your tax situation in general. Yes that is the down fall of va...