Search found 174 matches

by amp
Fri Aug 10, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2262

Re: Moving soon; whom to hire to help me move?

I recently completed a cross-country move, and had luck using a website called Uship . I listed the contents of what I wanted to move online and shipping companies made bids. The shipper I picked was licensed and bonded, and they came in about 30% less expensive compared to the big household names ...
by amp
Fri Aug 10, 2018 1:18 am
Forum: Personal Consumer Issues
Topic: Moving soon; whom to hire to help me move?
Replies: 27
Views: 2262

Re: Moving soon; whom to hire to help me move?

I recently completed a cross-country move, and had luck using a website called Uship . I listed the contents of what I wanted to move online and shipping companies made bids. The shipper I picked was licensed and bonded, and they came in about 30% less expensive compared to the big household names (...
by amp
Fri Jun 29, 2018 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 54
Views: 6833

Re: Umbrella Policy: Right amount for $7 mil net worth?

As been stated by others, your net worth has nothing to do with how much umbrella insurance you need and discussing it in those terms means you don't understand what umbrella coverage is. I'm not sure I agree with this. Seems to me that the more assets one has, the higher the umbrella coverage shou...
by amp
Thu Jun 28, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 54
Views: 6833

Re: Umbrella Policy: Right amount for $7 mil net worth?

As been stated by others, your net worth has nothing to do with how much umbrella insurance you need and discussing it in those terms means you don't understand what umbrella coverage is. I'm not sure I agree with this. Seems to me that the more assets one has, the higher the umbrella coverage shou...
by amp
Thu Jun 28, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: History of Protectionism and Stock Returns, 1825-2015
Replies: 19
Views: 2147

Re: History of Protectionism and Stock Returns, 1825-2015

That graph may be misleading, at least as it relates to European companies. I'm sure a lot of the "foreign" revenue actually represents intra-EU/EEA trade. If you eliminate the European countries, then you're mostly left with countries like Taiwan, Hong Kong, or Canada, with relatively small domesti...
by amp
Thu Jun 28, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Umbrella policy-how much liability coverage
Replies: 30
Views: 2293

Re: Umbrella policy-how much liability coverage

Regardless of how large an umbrella policy you get, there'll always be some one-in-a-billion situation which can wipe you out. Here's a story of a woman who shipped her SUV back to the United States after working a stint abroad. Unbeknownst to her, there was a recall notice on her vehicle. While at ...
by amp
Thu Jun 28, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 54
Views: 6833

Re: Umbrella Policy: Right amount for $7 mil net worth?

From all the posts here, it sounds like the $5 million coverage is fine. I'll talk to the broker and get a quote on more, but unless it's a good deal, seems like I'll pass. Thank you all for your input. As a fellow renter, one of the things I worry about is an event which damages the building and/o...
by amp
Wed Jun 20, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 271930

Re: Best watch for around $5,000?

I'm a watch aficionado, so I generally try to avoid the watch threads on Bogleheads. But, I think there's some misinformation going around, especially this idea of all watches being exactly the same, and spending more than $50 on a watch is the equivalent of spending tens of thousands of dollars on ...
by amp
Wed Jun 20, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Retire at 50: Should I?
Replies: 93
Views: 12494

Re: Retire at 50: Should I?

Have you considered a bond tent? Michael Kitces has a write-up about using a tent to reduce portfolio risk in the years immediately before and after retirement. In your case, you already have sufficient funds to retire, so it will be more of a bond lean-to. The basic idea is that you would choose a ...
by amp
Fri Jun 15, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: Subaru EyeSight windshield insurance
Replies: 14
Views: 1672

Re: Subaru EyeSight windshield insurance

For what it's worth, I was quoted a $60 additional annual premium for window replacement coverage with a $50 deductible. This is through Travelers in Colorado.
by amp
Tue Jun 05, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Don’t cheat yourself with the 4% rule
Replies: 159
Views: 18578

Re: Don’t cheat yourself with the 4% rule

4% rule is risky business, at least for someone looking to retire a little early. I'm planning to use the 2.5% rule when I retire, with no SS or pension factored in. Please show me the data the supports your 2.5% statement. You can justify 3.5% or something nearby with data. Search for "perpetual w...
by amp
Tue May 22, 2018 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Retiring in early 2019.
Replies: 30
Views: 2930

Re: Retiring in early 2019.

Carolnaman thanks for input. Healthcare is covered in retirement by employer funds. $3200 is additional needed over and above SS and small pension annuity. Based on input I am moving toward 30% equities /70% CD ladders as long as interest are up to support the plan. One way to think of it is that y...
by amp
Mon May 21, 2018 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in early 2019.
Replies: 30
Views: 2930

Re: Retiring in early 2019.

triple post
by amp
Mon May 21, 2018 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in early 2019.
Replies: 30
Views: 2930

Re: Retiring in early 2019.

double post
by amp
Mon May 21, 2018 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring in early 2019.
Replies: 30
Views: 2930

Re: Retiring in early 2019.

Thanks trueblueky. Yes conservative. I dont have years on my side to recover stock market losses at this point in my life. Are you sure about that? You may have a 30-40 year retirement ahead of you. I was planning on doubling my stock market exposure from 200k to 400k when I transfer my 401k to Fid...
by amp
Sun May 13, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2648

Re: Subaru Crosstrek vs Outback

OP, I've been looking at the Subarus myself and I'm wondering if you've considered the Forester. It looks to have a smaller turning radius than either of the vehicles you're considering. It has a more powerful engine than the Crosstrek and it's almost as powerful as the smaller of the Outback engin...
by amp
Sun May 13, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2648

Re: Subaru Crosstrek vs Outback

Since I don't currently own a car, that means I don't have car insurance. And while credit cards provide collision coverage, they don't cover liability. So, I need to get liability from the rental company which adds $15 - $20 per day to the rental cost. That adds up quickly. Since you will eventual...
by amp
Sun May 13, 2018 1:05 pm
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2648

Re: Subaru Crosstrek vs Outback

OP, welcome to Colorado where the air is thin and cool, the stars are bright, and people give you room to merge on the interstate (except the ex-pats from CA:). Yes, this is the land of the Subaru and the largest dealer in the US is in Colorado Springs: [url]https://www.bestbuysubaru.com/ [url] Tha...
by amp
Sun May 13, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2648

Re: Subaru Crosstrek vs Outback

Thank you everyone for your feedback. The consensus seems to be that the Outback may be the better vehicle for me, but I'll need to test drive one to see how it feels. A few comments... You should look at and drive the 3.6R Outback. That is the best car for your plans by far. It has two good feature...
by amp
Sun May 13, 2018 9:42 am
Forum: Personal Consumer Issues
Topic: Subaru Crosstrek vs Outback
Replies: 32
Views: 2648

Subaru Crosstrek vs Outback

As I mentioned on the 2018 Roll Call thread, I’m retiring this summer. I will be moving to Denver and for the first time in my adult life, I will need a car. I’m single, male, in my mid-to-late 40s. Since I’m retired I obviously won’t be commuting. But I will need the car for shopping and errands. I...
by amp
Mon May 07, 2018 9:25 pm
Forum: Investing - Theory, News & General
Topic: Lower expected stock returns means lower expected volatility?
Replies: 28
Views: 2253

Re: Lower expected stock returns means lower expected volatility?

amp, Future investments will have different expected returns. Now THAT's a bold statement. Prove it. Absolutely no reason why that MUST be so, in expectation. The forecasters that understandingJH quotes in the original post use a variety of inputs to calculate expected returns. John Bogle, for exam...
by amp
Mon May 07, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: Lower expected stock returns means lower expected volatility?
Replies: 28
Views: 2253

Re: Lower expected stock returns means lower expected volatility?

I find this disturbing. For someone like me with a 20-30 year accumulation horizon, I'll take on the same amount of risk as say my parent's generation but end up with about half the expected return. Lower returns would be easier to accept if the standard deviation also lowered. However, I'm assumin...
by amp
Fri May 04, 2018 2:03 pm
Forum: Personal Consumer Issues
Topic: Permanent Address for banking
Replies: 10
Views: 986

Re: Permanent Address for banking

Does anyone know where I can find information regarding permanent address issues for digital nomads in the U.S.? thanks. I've done a bit of reading on this. There's a Patriot Act requirement that all financial accounts must be associated with a permanent address. Some people have been able to use c...
by amp
Thu Apr 26, 2018 6:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35409

Re: Roll Call for the Retirement Class of 2018!

cfs wrote:
Thu Apr 26, 2018 2:15 pm
amp wrote:
Thu Apr 26, 2018 5:54 am
. . . I'm planning to make Friday, July 13 my final day . . .
This is going to be a great Friday 13th!

Good luck in your retirement, and please stay mentally and physically active.

Gracias por leer ~cfs~
Thank you, cfs. I appreciate the kind words.
by amp
Thu Apr 26, 2018 5:54 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 256
Views: 35409

Re: Roll Call for the Retirement Class of 2018!

I've decided it's time. I'm planning to make Friday, July 13 my final day (which somehow seems appropriate). I'll be 47.
by amp
Sun Jan 07, 2018 9:48 pm
Forum: Investing - Theory, News & General
Topic: 2018 Hedge Fund contest
Replies: 158
Views: 15736

Re: 2018 Hedge Fund contest

Name: Super Karate Monkey Death Car

Long
  • Take Two Interactive (TTWO)
  • Noble Energy (NBL)
  • Incyte (INCY)

Short
  • JC Penney (JCP)
  • Twitter (TWTR)
  • American Eagle Outfitter (AEO)
by amp
Thu Jan 19, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Volunteering Ideas
Replies: 87
Views: 7393

Re: Volunteering Ideas

In New York City, there's New York Cares . It's a nonprofit that focuses on providing volunteers to other organizations. After going through an orientation session, one can sign-up online for any number of projects, anything from reading to kids to rehabilitating city parks to walking shelter dogs. ...
by amp
Mon Jan 09, 2017 7:46 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 39407

Re: 2017 hedge fund contest

By my count 15 funds shorted Sears Holdings (SHLD). With 64 entries, that's nearly a one out of every four! One participant bucked the trend and picked it on the long side. The most common long stock is ExxonMobil (XOM) with four people choosing it.
by amp
Sat Jan 07, 2017 2:20 am
Forum: Investing - Theory, News & General
Topic: I am timing the market. Why am I wrong?
Replies: 89
Views: 7656

Re: I am timing the market. Why am I wrong?

Note that there WILL be a market crash someday. Maybe even tomorrow. But we can't tell when. CAPE won't tell you when. But, so far, just riding the crash down, and riding it back up has given some very good returns. The long-term averages of the stock market INCLUDE the crashes. Read that again. Yo...
by amp
Sun Jan 01, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 31423

Re: 2016 hedge fund contest

The battle for 2nd place raged on throughout the intra-day. But at the closing bell, it was Groovin Mahoovin edging out Consternatio Partners by 0.51%. The final standings are in: Rank Fund (Manager) Return % 1 Tanelorn Capital: Better Lucky Than Good (Tanelorn) 99.66% 2 Groovin Mahoovin (ready20) ...
by amp
Sun Jan 01, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 247
Views: 39407

Re: 2017 hedge fund contest

Out of Left Field

Long
COG - CABOT OIL & GAS CORP
HLX - HELIX ENERGY SOLUTIONS
TTWO - TAKE-TWO INTERACTIVE

Short
AMD - ADVANCED MICRO DEVICES
JMBA - JAMBA INC
SHLD - SEARS HOLDINGS CORP
by amp
Fri Dec 30, 2016 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any benefits to achieving "great wealth"?
Replies: 106
Views: 10599

Re: Are there any benefits to achieving "great wealth"?

This table shows the top 1% by age. http://www.financialsamurai.com/top-one-percent-net-worth-amounts-by-age/ It looks about right to me. I guess I could see how a 25 year old with 380,000 may not feel like he has great wealth, but I would expect if you are over the age of 40 with 2.2 million or mo...
by amp
Fri Dec 30, 2016 4:13 am
Forum: Investing - Help with Personal Investments
Topic: Advice for staying the course
Replies: 20
Views: 2419

Re: Advice for staying the course

What advice do those of you who have been at this longer have for those of us who are just getting started? I can think of nothing better than reading a thread called " A Time to EVALUATE Your Jitters " which was originally created during a market downturn. The first post from nisiprius is a gem. W...
by amp
Thu Dec 29, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: ER at Fidelity vs VG?
Replies: 11
Views: 1298

Re: ER at Fidelity vs VG?

When I used VTSAX & FSTVX to compare with a benchmark, Morningstar automatically loaded "LB" & SP 500. Does that mean the bench mark is SP 500 for the total US stock index fund? If so, why don't people here suggest using the SP fund over the total market fund as it would more closely follow the ind...
by amp
Thu Dec 29, 2016 10:58 am
Forum: Investing - Theory, News & General
Topic: ER at Fidelity vs VG?
Replies: 11
Views: 1298

Re: ER at Fidelity vs VG?

For someone opening a Roth IRA for the first time, though it's a very tiny difference, does fidelity offer the cheaper ER and therefore the better place to open the account? Fidelity's FSTVX FTIPX & FSITX (have ER of .045, .11 &.05) VG's VTSAX, VTIAX & VBTLX (have ER of .05, .12 & .06) It's very cl...
by amp
Wed Dec 28, 2016 2:36 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)
Replies: 31
Views: 3135

Re: Cryptocurrency Hedge Funds (More Like VC Funds for Cryptocurrencies...)

This is one of the reasons I think there is a significant value (if you want to be in the space at all) investing with Polychain Capital (for example) as the individual running it has been running risk management for / was the first employee of Coinbase for 3.5 years which is the largest US exchang...
by amp
Tue Dec 27, 2016 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Where should I invest my 2016 and 2017 Roth IRA money?
Replies: 4
Views: 1628

Re: Where should I invest my 2016 and 2017 Roth IRA money?

By the way, how do bogleheads determine which retirement account to place investments in? Which investments (ex. international, US, stocks, bonds) should go in my Roth IRA accounts? Which investments (ex. international, US, stocks, bonds) should go in my Traditional 401K account? There is really no...
by amp
Wed Dec 21, 2016 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 250
Views: 39143

Re: Fidelity free Turbotax

Staying on the "Summary" page and right below the account balance there is a graph which says "Your Balance History". Immediately to the right of that graph (the right column on that page) contains a number of things. The first one on my screen is a link to the "eMoney Advisor Fidelity Customer Por...
by amp
Mon Jan 04, 2016 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Premier 2015 Free @ Fidelity (premium customers)
Replies: 36
Views: 11174

Re: Turbo Tax Premier 2015 Free @ Fidelity (premium customers)

Hi, Are you premium customers? I don't see 4th column with TT premier. Thanks. If the link to TT offer does not have personally identifiable information, can you please share the link. I think the link is customer-specific. But the below screenshot is what I see on the Guidance & Retirement > Taxes...
by amp
Mon Jan 04, 2016 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Premier 2015 Free @ Fidelity (premium customers)
Replies: 36
Views: 11174

Re: Turbo Tax Premier 2015 Free @ Fidelity (premium customers)

The UI is a mess for this one. Can someone try the following and confirm? As listed above, log in, then go to Guidance & Retirement > Taxes. In the third column under the image, I see "save on turbotax", which links to the "up to $20 off". In the fourth column I see "turbotax online premier". Click...
by amp
Tue Dec 29, 2015 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity 2% Amex: Security Annoyances
Replies: 92
Views: 11612

Re: Fidelity 2% Amex: Security Annoyances

On the Fidelity website, there's a note about a new 2% card coming in January.

No idea how this will affect current cards, but right now the enrollment links to both the FIA Visa and Amex cards are gone from the Fidelity website. The rumor is that Fidelity will be switching providers.
by amp
Mon Aug 03, 2015 7:01 pm
Forum: Investing - Theory, News & General
Topic: Are equities really as risky as anyone thinks?
Replies: 271
Views: 21742

Re: Are equities really as risky as anyone thinks?

I would like to get specific. If I have 20M and plan to with draw 2% but only need .5%, does anyone have an issue with a 100% world wide stock portfolio? Would 90/10 be somehow much better? When you get into really large numbers it obviously doesn't matter a whole lot what you do. A more realistic ...
by amp
Wed Jun 17, 2015 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Mistake?
Replies: 4
Views: 1647

Re: Mistake?

Fidelity will charge you a 1% redemption fee if you hold FFRHX for less than 60 days. So, I'd hold it at least until then.
by amp
Sat Apr 11, 2015 1:33 am
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Vs Wealthfront suggested AA
Replies: 11
Views: 2092

Re: 3 Fund Vs Wealthfront suggested AA

As others have mentioned, it's impossible to say which allocation will turn out to be "better." That can only be known in retrospect. A couple of thoughts, however. this is what it returned for a taxable account. The tax advantaged account was pretty similar too. It seems that Wealthfront just puts ...
by amp
Wed Dec 24, 2014 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: How do I find which fund now owns a defunct fund?
Replies: 6
Views: 1457

Re: How do I find which fund now owns a defunct fund?

I googled "hamilton fund denver colorado" and the second link that came up was this one: http://www.mfwire.com/fundprofile.asp?fund=30822 From that page... In 1975, OppenheimerFunds purchased Denver-based Hamilton Management Corporation to create the foundation of its Colorado-based operations. Oppe...
by amp
Wed Oct 01, 2014 1:03 pm
Forum: Investing - Help with Personal Investments
Topic: Hard Money Lending, flipping houses 12% return Lets hear it
Replies: 56
Views: 5652

Re: Hard Money Lending, flipping houses 12% return Lets hear

> so you have say 1Mil of your own $$$ so you can only do 3-4 houses at a time with your own cash, so why not do 20 houses at a time One reason It doesn't scale. Each house needs personal attention from someone watching closely over contractors and costs. To do more at a time means hiring more peop...
by amp
Mon Sep 08, 2014 9:58 pm
Forum: Personal Finance (Not Investing)
Topic: Employer finding out you have a financial cushion?
Replies: 72
Views: 10578

Re: Employer finding out you have a financial cushion?

I think this is going to be highly employer dependent. Not just employer dependent, but manager dependent as well. I think a manager that's financially secure, or on their way to becoming financially secure, (like most bogleheads) will see the value of an employee who's secure as well. On the other...
by amp
Sun Sep 07, 2014 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Salary Info double standard?
Replies: 53
Views: 6170

Re: Salary Info double standard?

The submittal process was entirely online and the form would not advance to the next step until all required information was filled out. I was annoyed to find that Salary requirement was one such item. It's generally accepted that the applicant doesn't inquire about salary until further into the pr...
by amp
Fri Aug 22, 2014 7:48 pm
Forum: Investing - Theory, News & General
Topic: Financial Advisor Compensation
Replies: 36
Views: 4407

Re: Financial Advisor Compensation

BlueSkies wrote: Yes, maybe securities lending although I don't think I remember checking they could do that.
If you have a margin account at your broker, your authorization would be buried in the documents you signed when you opened the account.