Search found 717 matches

by EHEngineer
Wed Dec 05, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Help lowering my expense ratio
Replies: 13
Views: 1064

Re: Help lowering my expense ratio

you've done the best you can. I tried to look at morningstar performance for jetsx and jieqx. There's nothing. No data in portfolio visualizer either. Yahoo finance has data, but I don't know how to do a total return comparison on that site. I would like to see if John Hancock ERs are a good measure...
by EHEngineer
Mon Nov 05, 2018 1:58 pm
Forum: Personal Consumer Issues
Topic: organizations that help sea animals
Replies: 11
Views: 771

Re: organizations that help sea animals

My kids did a project where they studied bycatch, which is the entrapment of non-target species in commercial fishing. dolphins, turtles, fish, etc. It's a huge problem. The fishing nets get discarded in the ocean where they continue to snare animals. It is a difficult problem, both technical soluti...
by EHEngineer
Sun Oct 28, 2018 3:28 pm
Forum: Personal Consumer Issues
Topic: levolor , select blinds or bali cellular shades?
Replies: 8
Views: 886

Re: levolor , select blinds or bali cellular shades?

I recently got Bali single cell 3/4" Bottom Up Top Down cordless shades. I bought them through the costco approved supplier. They arrived early and work great. I mounted some on french doors (hanging on the side of a wall) and some in traditional windows that are recessed (aka "inside mount"). It wa...
by EHEngineer
Fri Oct 26, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Review of financial plan
Replies: 9
Views: 1361

Re: Review of financial plan

I forgot to mention: I-bonds. You can stash 20k per year (10k/spouse), tax deferred, with I-bonds. There are only a couple ways to get a true inflation hedge, and I-bonds are one of them. IMO it's a nice way to augment your bonds holdings.
by EHEngineer
Fri Oct 26, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Review of financial plan
Replies: 9
Views: 1361

Re: Review of financial plan

Looking to get some input on my family’s plan and critiques. Thanks in advance and appreciate everything this forum offers! SO#1 34 years old SO#2 34 years old One child who is 11 months old Salaries SO#1 400-550K, Varies somewhat considerably but always remains within this range. SO#2 35K We are b...
by EHEngineer
Fri Oct 26, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payoff or save for next car?
Replies: 12
Views: 1081

Re: Mortgage payoff or save for next car?

Pay extra on the mortgage until you actually need to buy another car. No use paying 4.5% interest to fund a savings account paying 1.5% after tax.
by EHEngineer
Thu Oct 25, 2018 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Newly written IPS - looking for ideas and insight
Replies: 2
Views: 312

Re: Newly written IPS - looking for ideas and insight

Overall a very good start for your IPS. Hope you find my comments helpful. Please critique my (brand new!) Investment Policy Statement, in particular please let me know if a) anything I've written is unclear or does not make sense, and, more importantly, 2) if there are any glaring omissions. I kno...
by EHEngineer
Wed Oct 24, 2018 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Would you like to review our IPS?
Replies: 7
Views: 939

Re: Would you like to review our IPS?

I thought it would be a good time to ask if our Investment Policy Statement seems reasonable. Thanks in advance. :sharebeer Investment Policy Statement - (uses 2019 tax figures) Investment Objective Financial Independence by age 60 (end of 2050), or if investments do well, in our 50s. Assume 25% re...
by EHEngineer
Fri Oct 19, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: How to recognize loss on $0.00 call option
Replies: 7
Views: 616

Re: How to recognize loss on $0.00 call option

Here's what I have so far. Thanks folks.

Investigate "the rule for worthless securities."
Give it to the broker. Possibly pay a fee to do so. Possibly with special "party-to-party" paperwork + special gift.
Investigate a $0.00 ask market sale.
by EHEngineer
Fri Oct 19, 2018 12:58 pm
Forum: Investing - Theory, News & General
Topic: How to recognize loss on $0.00 call option
Replies: 7
Views: 616

How to recognize loss on $0.00 call option

Asking for a friend with $10k long-term loss on a call option expiring Jan 18, 2019. Current bid is 0.00 and ask is 0.01. We would like to have this capital gains loss in this year's taxes to offset 2018 capital gains. Normally would sell to recognize a loss. But how do you sell a zero-value security?
by EHEngineer
Wed Oct 17, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Roth IRA: Hitting mutual fund limits at the beginning
Replies: 16
Views: 1330

Re: Investing in Roth IRA: Hitting mutual fund limits at the beginning

you're starting out and over thinking this. put 100% in a target date fund until you have reached the minimums. Or better yet, leave it in the target date fund indefinitely. I know you didn't ask for AA advice, but 60% value funds paired with 20% TSM and 20% TISM is not "a slight tilt to value," it'...
by EHEngineer
Wed Sep 19, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Over Management of $7M Portfolio - Need Review/Help Allocating
Replies: 50
Views: 4154

Re: Taking Over Management of $7M Portfolio - Need Review/Help Allocating

My grandma has asked me to do this and all of the heirs are supportive of the decision. She is completely with it mentally and none of her children would claim otherwise. She would assign me power of attorney on all the accounts. I know my aunts and uncles well and don't expect any issues from them...
by EHEngineer
Wed Sep 19, 2018 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Taking Over Management of $7M Portfolio - Need Review/Help Allocating
Replies: 50
Views: 4154

Re: Taking Over Management of $7M Portfolio - Need Review/Help Allocating

My grandma has asked me to do this and all of the heirs are supportive of the decision. She is completely with it mentally and none of her children would claim otherwise. She would assign me power of attorney on all the accounts. I know my aunts and uncles well and don't expect any issues from them...
by EHEngineer
Tue Sep 18, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Facing Retirement at year end
Replies: 22
Views: 2745

Re: Facing Retirement at year end

The $50K/yr budget includes all our current bills, including mortgage and HELOC. The $35K/yr income going forward is my part time side job $15K/yr and my new SS $20K/yr combined. My first SS check arrives next month. I should have said "can" instead of "will" receive SS at 66. ;) My best guess on t...
by EHEngineer
Thu Aug 30, 2018 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Will I ever sell Ibonds from 2001 - 3% fixed
Replies: 78
Views: 5267

Re: Will I ever sell Ibonds from 2001 - 3% fixed

I plan to cash mine out over a period of 3 tax years in order to minimize taxes. Cash some out in December of one year, some out in December of the following year, and then cash the rest out when they mature (in May or something like that). So I end up cashing some 17 months early (exactly to the t...
by EHEngineer
Thu Aug 30, 2018 9:41 pm
Forum: Personal Consumer Issues
Topic: Nanny online payment services - why are they so expensive?
Replies: 30
Views: 3419

Re: Nanny online payment services - why are they so expensive?

I am hiring a part time nanny, all legal-above-board payments including taxes. I am looking for an online service that automates tax computation for nanny payments and takes care of the distribution of funds once I send checks to them. I'm amazed to see how expensive the online services for nanny p...
by EHEngineer
Thu Aug 30, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need Term Life Insurance?
Replies: 17
Views: 1555

Re: Do I need Term Life Insurance?

I am no expert, but if I was in your position I would consider 1m for me at 10 years, and 500k for her at 10 years. Hers should be dirt cheap, and I am guessing yours would drop a bunch. Make sure it’s actual term and not fake kinda sorta term. This seems about right to me. I would probably do 15-2...
by EHEngineer
Mon Aug 27, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Pension plan details about annuity value
Replies: 11
Views: 744

Re: Pension plan details about annuity value

Try HR for starters. You are still a participant in the Plan, and are entitled to the docs. IF someone doesn't understand, explain this part and that is "why you need the full Plan", etc. I did this a few years ago and they didn't have the "plan" document. They have a "global HR" center in panama a...
by EHEngineer
Mon Aug 27, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: Pension plan details about annuity value
Replies: 11
Views: 744

Pension plan details about annuity value

Bogleheads, I have a pension from a former employer. They are clear about the formula to calculate the lump sum distribution, but I perfer the annuity payout option. The SPD says this: http://i63.tinypic.com/30k6ic8.png I want to understand the conversion from lump sum to annuity, so I guess I need ...
by EHEngineer
Sun Aug 26, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: $3.5M cash pile at age 63 – what would you do right now (and what wouldn't you do)?
Replies: 34
Views: 5830

Re: $3.5M cash pile at age 63 – what would you do right now (and what wouldn't you do)?

Hi there, What would you do with a cash pile of $3.5M at age 63 with 18 months more of further working income. Ignore any future SS payments and private pensions. Only other assets are $1.5M in (non-home) properties and $400,000 in a simple 60/40 BH portfolio. Overall need is to fund retirement wit...
by EHEngineer
Thu Aug 23, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: In a single factor world, why is TSM M-V efficient? [Mean-Variance]
Replies: 20
Views: 1093

Re: In a single factor world, why is TSM M-V efficient?

Is that true? I thought large value had a better sharpe ratio than whole market, but also lower returns. Let me look into that. Maybe discuss EMH instead?
by EHEngineer
Thu Aug 23, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: I saved $3,200 on a $23,500 car with minimal stress.
Replies: 45
Views: 6177

Re: I saved $3,200 on a $23,500 car with minimal stress.

You know truecar is "In cahoots" with the dealers, I wouldn't trust their reports. Better to look at the "Recent prices paid" thread on automotive forums to find an accurate price trend. I bought a car with cash, no trade-in, lower than the lowest price shown on truecar. I monitored their site for ...
by EHEngineer
Thu Aug 23, 2018 12:40 pm
Forum: Personal Consumer Issues
Topic: Test your cognitive biases
Replies: 89
Views: 5494

Re: Test your cognitive biases

letsgobobby wrote:
Thu Aug 23, 2018 12:30 pm
As a shrink with an interest in behavioral finance and personal finance, I would have been humiliated by any score below the top. Fortunately that did not happen and I can go back to my job next week with no shame.
You took a risk without a potential reward? that's irrational.
by EHEngineer
Thu Aug 23, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Have a 50K hospital bill reason - too much insurance
Replies: 16
Views: 2441

Re: Have a 50K hospital bill reason - too much insurance

Here is the medicare explanation of which insurer is primary. This seems pretty clear. https://www.cms.gov/Medicare/Coordination-of-Benefits-and-Recovery/Coordination-of-Benefits-and-Recovery-Overview/Medicare-Secondary-Payer/Medicare-Secondary-Payer.html Individual is age 65 or older, is covered by...
by EHEngineer
Thu Aug 23, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: $65K Fun Daily Driver
Replies: 112
Views: 8809

Re: $65K Fun Daily Driver

HardHitter wrote:
Thu Aug 23, 2018 7:57 am
but so far I've been eyeing a 2014 - 2016 Mercedes E63S AMG and same year Audi RS7. Any other suggestions to look into?
Telsa Model 3 Performance $64k brand new, full warranty. low maintenance car. car seat friendly, see video.
https://www.youtube.com/watch?v=2Vrgcjg5TBo
by EHEngineer
Thu Aug 16, 2018 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 74
Views: 7741

Re: Housing affordability - what is your take?

Couple things. Seems like you are buying a family house as a single person. You are buying in a ritzy area. $500/sqft is ritzy. ;-). The poorest, cheapest area of London (London Borough of Barking and Dagenham) is c. £500 psf (say USD 650-700). I could show you what USD 500 would buy you here, thin...
by EHEngineer
Mon Aug 13, 2018 5:11 pm
Forum: Personal Finance (Not Investing)
Topic: Personal finance Advice for mid 30s couple
Replies: 8
Views: 1670

Re: Personal finance Advice for mid 30s couple

captbone, you are in a good situation. Nice work. $150k annual in pension is amazing, even in 2040 dollars. a few comments. I agree with PFInterest. Do the backdoor rIRAs. https://thefinancebuff.com/the-backdoor-roth-ira-a-complete-how-to.html While the 4.25% interest rate is nominally higher, it is...
by EHEngineer
Sun Aug 12, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Housing affordability - what is your take?
Replies: 74
Views: 7741

Re: Housing affordability - what is your take?

Couple things. Seems like you are buying a family house as a single person. You are buying in a ritzy area. $500/sqft is ritzy. Dave ramsey is trying to give you guidelines to put you on a comfortable/stable financial path. Buying a house that's 6X your income is not comfortable. 6X is a recipe for ...
by EHEngineer
Mon Jul 23, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: Engineers come in.
Replies: 108
Views: 8374

Re: Engineers come in.

Changing out of ME can be a good thing. I have friends from undergrand who thrived after switching out. Some earn substantially more than I do. If your friend is thinking of changing his major in the first semester, it is likely the right thing for him.
by EHEngineer
Fri Jul 20, 2018 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer online savings/money market to income mutual fund?
Replies: 14
Views: 1094

Re: Transfer online savings/money market to income mutual fund?

FKINX - class A shares to be specific. (There are no sales charges on mine because my advisor left the firm years ago and didn't reassign me to anyone else, so I told Franklin to remove them completely.) Fund is down almost 4% YTD and lost 50% between March 2007 and March 2009. This is a risky bond...
by EHEngineer
Fri Jul 20, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: I dont know how to spend money
Replies: 39
Views: 5347

Re: I dont know how to spend money

Are you upset because you enjoy a frugal life, or that you don't know what you enjoy at all? Few thoughts: Count yourself lucky if you enjoy a frugal life. Alternatively, you may need to (re)consider how you want to spend your life. Set some goals. Use your income to achieve them. Finally, This surp...
by EHEngineer
Fri Jul 20, 2018 8:50 pm
Forum: Personal Consumer Issues
Topic: High school graduation monetary gift for nephew
Replies: 37
Views: 2264

Re: High school graduation monetary gift for nephew

Wow you guys are cheap if $10k doesn’t matter you only go to undergrad once (hopefully) minimum $1000. Is that have done? Please relate your experiences in giving those size gifts. I personally don't think it's my job to "change his life". That's up to him and his parents. Earl, I recently gave $50...
by EHEngineer
Fri Jul 20, 2018 8:14 pm
Forum: Personal Consumer Issues
Topic: Possible Knob & Tube in an older home.
Replies: 29
Views: 2624

Re: Possible Knob & Tube in an older home.

mouses wrote:
Wed Jul 18, 2018 5:57 pm
I lived in a house with knob and tube wiring for over thirty years, and here I am to tell the tale.
survivorship bias!
by EHEngineer
Thu Jul 19, 2018 10:33 am
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2570

Re: What is the most severe hyperbolic discounting you have ever acted on?

With school aged kids I travel during the most expensive times - thanksgiving, winter break, spring break. Those trips cost a premium versus delaying two weeks. Does that count? A few times a year, I buy chapstick when needed instead of carrying it around. I probably pay 3X to buy it at the beach vs...
by EHEngineer
Mon Jul 16, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Heart Rate Monitors Fitbit vs. Garmin
Replies: 31
Views: 2472

Re: Heart Rate Monitors Fitbit vs. Garmin

I wouldnt expect either of those plastic devices to be durable. My family had 4 fitbits fail over the last 2.5 years. Three Charge HR and one Charge HR2. They are plasticy and not water proof. They get scratched & chewed up over time. The fitbit app is easy/simple/beautiful. I still prefer it. Garmi...
by EHEngineer
Sat Jul 14, 2018 4:21 pm
Forum: Personal Finance (Not Investing)
Topic: Braces: Keeping cost down and insurance questions.
Replies: 27
Views: 2510

Re: Braces: Keeping cost down and insurance questions.

One of our children got braces. We shopped orthodontists and found the following: 1. In wealthy areas, there are too many orthodontists, so the potential mouths per orthodontist are less than in an area with same population density with fewer orthodontists. 2. With less competition, the orthodontis...
by EHEngineer
Mon May 07, 2018 10:50 am
Forum: Investing - Theory, News & General
Topic: Which brokerage has the lowest ER on SP500 index fund?
Replies: 29
Views: 1692

Re: Which brokerage has the lowest ER on SP500 index fund?

I opened all my IRA funds in Vanguard and I am very happy about it The other day I was looking for a brokerage to open solo401k and I realized Schwab has SP 500 index fund with 0.03% ER. Vanguard's SP500 index fund is 0.04% Don't get me wrong, I am very happy with Vanguard overall, but if there is ...
by EHEngineer
Thu May 03, 2018 12:02 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114187

Re: To take or not to take delivery of Tesla 3

Tesla didn't note that. They didn't put a link to the manual. Didn't even bother to put an asterisk. That's misleading at best. Agree. And even if they did, I don't think it would be reasonable to expect drivers to know every detail of the Autopilot implementation and recall them at every instant w...
by EHEngineer
Wed May 02, 2018 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: How to treat a mortgage in context of long term investment
Replies: 12
Views: 1375

Re: How to treat a mortgage in context of long term investment

Does this mean that any new investment into an asset class with an expected 15 year return less than 3.875% should go to paying off the mortgage instead? Since money is fungible, it almost feels like when I am investing in bonds, I am borrowing money at 3.875% to invest at 2.5-3.5%. On the other ha...
by EHEngineer
Tue May 01, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 120
Views: 21425

Re: Replacement for Google Finance price quote function

Lately, I've become increasingly disappointed with Google Finance's slow updates for daily mutual fund NAV quotes in my Google Docs portfolio tracker. <snip> FYI - Google is updating mutual fund prices between 12:30-12:40 AM EST . I used a google apps script to check google finance mutual fund quot...
by EHEngineer
Wed Apr 25, 2018 8:42 am
Forum: Investing - Help with Personal Investments
Topic: New 34, Bogle convert wanting to make sure I don’t screw up 401k
Replies: 13
Views: 1286

Re: New 34, Bogle convert wanting to make sure I don’t screw up 401k

Hi Kduqchick, It seems like you're just beginning the process of understanding your investments and managing your money. Don't stress out. It's a process, and you can take your time. Your questions are all reasonable, but you need to provide more detail so the folks here can advise. There is a stand...
by EHEngineer
Tue Apr 24, 2018 10:09 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114187

Re: To take or not to take delivery of Tesla 3

emphasis added that's pretty clear and unambiguous. No matter what the autosteer disclaimer says, that tesla MX didn't do what the website claims it would do. And that guy died. I haven't cancelled my reservation. For now I'm sitting on it. I will admit that I was really really looking forward to ow...
by EHEngineer
Tue Apr 24, 2018 9:55 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114187

Re: To take or not to take delivery of Tesla 3

10 days ago I got my M3 configuration invitation. However, tesla's reaction to the deadly March autopilot MX crash has dampened my enthusiasm and I'm wondering what yall think about this. I was very dissapointed in their response. I wanted a response similar to the deadly autopilot MS crash in FL i...
by EHEngineer
Tue Apr 24, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: How to be a good executor to family
Replies: 44
Views: 4099

Re: How to be a good executor to family

First, I'm sorry for your loss. And I wish you luck being an executor. Its a thankless job. I hope it isn't contentious. This book is a great guide. It's full of useful tips. https://www.amazon.com/nolo-executors-guide-Books/s?ie=UTF8&page=1&rh=n%3A283155%2Ck%3Anolo%20executors%20guide One thing tha...
by EHEngineer
Mon Apr 16, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 114187

Re: To take or not to take delivery of Tesla 3

10 days ago I got my M3 configuration invitation. However, tesla's reaction to the deadly March autopilot MX crash has dampened my enthusiasm and I'm wondering what yall think about this. I was very dissapointed in their response. I wanted a response similar to the deadly autopilot MS crash in FL in...
by EHEngineer
Fri Apr 13, 2018 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: 1040 goes into the ether. what now?
Replies: 21
Views: 2025

Re: 1040 goes into the ether. what now?

I'd file Form 4868 (extension to file) if I was worried that the 1040 would not get there in time and then not worry about it until October. My vote is for livesoft's idea. Buy yourself some peace of mind. Anecdotally... I recently certified mailed a life insurance annual premium check. The insuran...
by EHEngineer
Fri Apr 13, 2018 7:29 pm
Forum: Investing - Help with Personal Investments
Topic: sprawling portfolio need sanity check
Replies: 5
Views: 665

Re: sprawling portfolio need sanity check

-Rebalance His Vanguard 401k to: -60% Vanguard Instl 500 Index Trust (—/5796) 0.013% -40% Vanguard Instl Ext Market Idx Tr (—/5798) 0.04% why are you overweighting this? See next comment. -Roll Her Principal 403b money into Her Valic 403b and rebalance entirety to: I personally dont like mimicking ...
by EHEngineer
Fri Apr 13, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Home remodel questions
Replies: 10
Views: 1706

Re: Home remodel questions

Thank you all. I spoke with the chief architect and they changed #2 to say that all design rights transfer to me when I pay the design fees. He said this provision was left over from when he did designs that could be replicated, like condos or apartments. In my case it is a remodel, so the design pr...
by EHEngineer
Fri Apr 13, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: sprawling portfolio need sanity check
Replies: 5
Views: 665

Re: sprawling portfolio need sanity check

Welcome to bogleheads. Questions: 1. Quite frankly I’m a bit overwhelmed with the options available and how best (optimally) to rebalance between all accounts. So any recommendations here would be GREATLY appreciated. My stab to get us back on track is below. There are other options available in the...
by EHEngineer
Fri Apr 06, 2018 12:25 pm
Forum: Personal Consumer Issues
Topic: Home remodel questions
Replies: 10
Views: 1706

Home remodel questions

I'm reviewing a contract for a home remodel. Having never done this I wanted to know what yall think about a couple things that I don't understand / seem less than assuring. 1)Termination: "Either party may terminate the project at any time without penalty, with fees due on services rendered only." ...