Search found 88 matches

by UniversityEmployee9
Sun Aug 19, 2018 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Online Banking - School Me
Replies: 21
Views: 1833

Re: Online Banking - School Me

Currently bank with Navy Federal and happy with them. Our savings are making .25% APY (.65% APR on Money Market) and I've seen numerous threads on online banks with excellent rates. On the flip side, I was happy with my financial advisor until I found out about Bogleheads and now wish I made the sw...
by UniversityEmployee9
Tue Aug 14, 2018 8:57 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7110

Re: Retire in Florida or Alabama?

The fact that the Alabama coast is referred to as the “Redneck Riviera “ would give me pause. And if I’m not mistaken that same vibe exists in northern Florida. That name is used in a jocular and endearing way. If you think everyone there is married to their sisters then you've seen too many movies.
by UniversityEmployee9
Tue Aug 14, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7110

Re: Retire in Florida or Alabama?

I wouldn't make any decisions about where to live based on something that a climate model predicts could happen in 50-100 years. And therein lies the problem. "I don't intend to plan my retirement around what some stupid model predicts for fifty years from now." But, you see, that is almost the ent...
by UniversityEmployee9
Tue Aug 14, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7110

Re: Retire in Florida or Alabama?

Seawalls are obviously just one form of technology, you just listed a few others that are also effective and that can also be implemented incrementally. Well none of it is free. Expect taxes to go up. And if the OP's parents are retiring for the beaches, they will not protected with pumps. Agreed, ...
by UniversityEmployee9
Tue Aug 14, 2018 3:58 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7110

Re: Retire in Florida or Alabama?

My personal opinion is that due to climate change buying beach-front or beach-adjacent property anywhere in the southern half (and possibly even the northern half) of the United States is a risk not worth taking. In 20 years many of those areas will be unrecognizable. At the bare minimum the disrup...
by UniversityEmployee9
Tue Aug 14, 2018 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Clarification ref Governmental 457b distributions
Replies: 11
Views: 689

Re: Clarification ref Governmental 457b distributions

457b withdrawals are "penalty-free", but are subject to the underlying taxation. This means that traditional (pre-tax) 457b distributions are 100% subject to ordinary income tax. Unlike a Roth IRA where there are ordering rules allowing contributions and 5+ year conversions to come out tax-free. No...
by UniversityEmployee9
Tue Aug 14, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7110

Re: Retire in Florida or Alabama?

My personal opinion is that due to climate change buying beach-front or beach-adjacent property anywhere in the southern half (and possibly even the northern half) of the United States is a risk not worth taking. In 20 years many of those areas will be unrecognizable. At the bare minimum the disrup...
by UniversityEmployee9
Tue Aug 14, 2018 8:52 am
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7110

Re: Retire in Florida or Alabama?

The beaches from Gulf Shores Al through the Florida panhandle are absolutely gorgeous +1 Was stationed in Pensacola with the Navy a long time ago. The "Florabama" coast has the whitest sand and warmest water. Been there recently. Pensacola may be a “sweet spot” location. Not crowded and a super nic...
by UniversityEmployee9
Mon Aug 13, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Retire in Florida or Alabama?
Replies: 107
Views: 7110

Re: Retire in Florida or Alabama?

I apologize for not being more specific on reasonings for retiring in Alabama or Florida. They are looking to have a house in a beach community and are only considering Alabama or Florida. So pretty much anywhere east of Gulf Shores, and anywhere in Florida. I was hoping to understand what the fina...
by UniversityEmployee9
Sun Aug 12, 2018 4:52 pm
Forum: Personal Consumer Issues
Topic: reliable online public forum
Replies: 24
Views: 2047

Re: reliable online public forum

hello BH Which one is the most reliable, trustworthy, reputable online public forum on a general wide variety of issues, such as, health, retirement, living, business, medical, divorce, and family so on? best wishes www.nutritionfacts.org For full transparency, this website is run by an animal righ...
by UniversityEmployee9
Wed Aug 08, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Roll a govt 457b into 403b or not?
Replies: 7
Views: 395

Re: Roll a govt 457b into 403b or not?

You can take distributions from a 457b without penalties before 59.5, so long as you're separated from your employer, FYI.
by UniversityEmployee9
Wed Jul 25, 2018 10:15 am
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3204

Re: Intermittent Fasting

I do it and have enjoyed it. I only eat between 2pm and 8pm, so 18:6. I generally have a protein bar around 2pm and dinner around 6pm. I also do the keto diet and never really feel hungry.
by UniversityEmployee9
Tue Jul 24, 2018 10:27 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance
Replies: 8
Views: 736

Re: Life Insurance

https://term4sale.com is great for comparing rates.
by UniversityEmployee9
Tue Jul 24, 2018 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: Best Banks 2018
Replies: 15
Views: 1921

Re: Best Banks 2018

Alliant Credit Union You can even deposit cash at partner atm locations (this is what makes it better than Ally). Its a pita to get signed up but once you do, great app and meets all criteria plus some listed above. I'll second this. The ability to deposit cash at partner credit unions has been gre...
by UniversityEmployee9
Sun Jul 22, 2018 5:43 pm
Forum: Personal Finance (Not Investing)
Topic: Am I secure using my computer for financial services?
Replies: 23
Views: 2808

Re: Am I secure using my computer for financial services?

Another question that I have is the choice of browser when accessing financial sites. I have heard that the Chrome browser is more secure than Internet Explorer. Is this true or it just another urban legend? DMW Internet Explorer is no longer actively maintained by Microsoft beyond some basic secur...
by UniversityEmployee9
Thu Jul 19, 2018 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Somewhat odd HSA question
Replies: 5
Views: 549

Re: Somewhat odd HSA question

The $6900 is a universal, family limit, so it is not possible to max out a second account.
by UniversityEmployee9
Thu Jul 19, 2018 1:14 pm
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1612

Re: sams club - new member

Sams doesnt sell Kale, coconut oil, chai seeds My Sam's Club not only sells all of these things, but organic varieties as well. I exclusively buy this stuff at my local Sam's. In my experience their healthy and organic offerings have exploded in the last two years. I also use the Scan and Go app an...
by UniversityEmployee9
Thu Jul 19, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: sams club - new member
Replies: 22
Views: 1612

Re: sams club - new member

Sams doesnt sell Kale, coconut oil, chai seeds My Sam's Club not only sells all of these things, but organic varieties as well. I exclusively buy this stuff at my local Sam's. In my experience their healthy and organic offerings have exploded in the last two years. I also use the Scan and Go app an...
by UniversityEmployee9
Sun Jul 15, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: New To Being A Boglehead- Need Help With Last Index Fund!!
Replies: 6
Views: 474

Re: New To Being A Boglehead- Need Help With Last Index Fund!!

Not knowing what the rest of your portfolio looks like, it would normally be difficult to make a recommendation, however in this case I can tell you I would never invest in an index fund because I felt that a particular industry was "booming". I would never invest in an index fund focused on a parti...
by UniversityEmployee9
Wed Jul 11, 2018 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 50
Views: 5649

Re: Where do you keep your Emergency Fund?

Cash.
Alliant Credit Union (online credit union, similar to Ally or Capital One 360, better customer service and better rate on checking as well).
HSAs.
Roth IRAs.
by UniversityEmployee9
Wed Jul 11, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - how do I deal with emergency/savings cash in my portfolio?
Replies: 6
Views: 375

Re: Portfolio Checkup - how do I deal with emergency/savings cash in my portfolio?

Many (if not most) here would suggest that you should think of everything you own as your portfolio and set your AA accordingly, so yes the EF should be considered part of the cash/short-term allocation.
by UniversityEmployee9
Wed Jul 11, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Look Past Expense Ratios
Replies: 71
Views: 6388

Re: Larry Swedroe: Look Past Expense Ratios

Larry raised a good point that DFA Funds give you better factor exposure compared to similar Vanguard Funds. So the somewhat higher fees charged by DFA in comparison to Vanguard might be worth the higher exposure to factors. But even then, when the Stock Market is in a Growth phase, Vanguard produc...
by UniversityEmployee9
Wed Jul 11, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency fund checkup
Replies: 19
Views: 1546

Re: Emergency fund checkup

Roth IRAs are for retirement savings, not for parking emergency funds. Emergency funds should be kept outside so you can access them without taxes or penalties. Contributions can be withdrawn at any time, tax and penalty free. For this reason, many bogleheads actually use Roth IRAs as a part of the...
by UniversityEmployee9
Tue Jul 10, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds
Replies: 50
Views: 3593

Re: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds

Thanks for the input, Larry! Loved your most recent book. At 28, I think I found your book and advice just in time to really make a huge difference in my long term returns.
by UniversityEmployee9
Tue Jul 10, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Market Timing - A fool's game?
Replies: 27
Views: 2305

Re: Market Timing - A fool's game?

The problem is that there are very different types of market timing. The one that I think that almost everyone here agrees is that subjective, emotional driven market timing is a very poor strategy. And this is the type of market timing done by most who aren't buy-and-holders and clearly what Colli...
by UniversityEmployee9
Mon Jul 09, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds
Replies: 50
Views: 3593

Re: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds

These alternative investments are really interesting to me but how do us mere mortals get access to them? Often, a rather pricey adviser is the only option. For those of us that don't already employ the services of one, that represents another layer of added cost for this diversification. Yeah, tha...
by UniversityEmployee9
Mon Jul 09, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds
Replies: 50
Views: 3593

Re: Larry Swedroe: Diversifying Through Reinsurance And Marketplace Lending Interval Funds

These alternative investments are really interesting to me but how do us mere mortals get access to them?
by UniversityEmployee9
Mon Jul 09, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Florida Retirement System Options
Replies: 9
Views: 642

Re: Florida Retirement System Options

Thanks everyone. I’ve thought about a target date fund but have decided against it. Mainly because they have higher expense ratios and the opportunity for growth is greater with an all stock allocation in FRS. Is this a mistake? You're young, many here on Bogleheads would say that means you should ...
by UniversityEmployee9
Mon Jul 09, 2018 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Florida Retirement System Options
Replies: 9
Views: 642

Re: Florida Retirement System Options

FYI, the FRS has target date retirement funds if that interests you.

It also has a small/mid cap fund that could be of interest if you want to tilt toward smaller companies (as many Bogleheads do).
by UniversityEmployee9
Fri Jul 06, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: If you tilt toward Small Cap Value, how much do you tilt?
Replies: 38
Views: 2726

Re: If you tilt toward Small Cap Value, how much do you tilt?

Just curious, are you guys with significant SCV tilts lowering your equity exposure overall as well? Or are you comfortable with the higher overall volatility? I do view small-cap, and value, and emerging markets, as an additional risk; I prefer to do this while keeping a bond allocation, rather th...
by UniversityEmployee9
Wed Jul 04, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: If you tilt toward Small Cap Value, how much do you tilt?
Replies: 38
Views: 2726

Re: If you tilt toward Small Cap Value, how much do you tilt?

Just curious, are you guys with significant SCV tilts lowering your equity exposure overall as well? Or are you comfortable with the higher overall volatility?
by UniversityEmployee9
Wed Jul 04, 2018 9:12 pm
Forum: Personal Consumer Issues
Topic: Keto Diet
Replies: 16
Views: 1516

Re: Keto Diet

I've been on the keto diet for a month and I've lost ten pounds and feel great. The people who say keto is "dangerous" have usually confused the ketogenic diet with ketoacidosis, which can only occur if your blood ketone levels go above 7mmol/l while having very high blood sugar (i.e., you would ne...
by UniversityEmployee9
Wed Jul 04, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Keto Diet
Replies: 16
Views: 1516

Re: Keto Diet

I've been on the keto diet for a month and I've lost ten pounds and feel great. The people who say keto is "dangerous" have usually confused the ketogenic diet with ketoacidosis, which can only occur if your blood ketone levels go above 7mmol/l while having very high blood sugar (i.e., you would ne...
by UniversityEmployee9
Wed Jul 04, 2018 9:00 pm
Forum: Personal Consumer Issues
Topic: Keto Diet
Replies: 16
Views: 1516

Re: Keto Diet

I've been on the keto diet for a month and I've lost ten pounds and feel great. The people who say keto is "dangerous" have usually confused the ketogenic diet with ketoacidosis, which can only occur if your blood ketone levels go above 7mmol/l while having very high blood sugar (i.e., you would nee...
by UniversityEmployee9
Tue Jul 03, 2018 6:23 pm
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 3121

Re: 28 w/heavy small cap tilt?

Personally while I see good evidence for a SV effect and likely persistence of it the reality is the magnitude of it may be severely attenuated going forward. I'm not willing to crank down my equity allocation on the faith that the SV premium will reappear and persist going forward to match histori...
by UniversityEmployee9
Tue Jul 03, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 3121

Re: 28 w/heavy small cap tilt?

Hi All, My wife and I are 100% in Target Date 2055 index funds. ... I'm basically making this post to ask those who are familiar with small cap or factor tilted portfolios if this sounds like a solid plan and if maybe I should diversify with other factors? Or should I keep some TSM or TSM ex-US in ...
by UniversityEmployee9
Mon Jul 02, 2018 9:31 pm
Forum: Personal Consumer Issues
Topic: Cordcutters - Playstation Vue
Replies: 30
Views: 3622

Re: Cordcutters - Playstation Vue

You don't have to buy a PlayStation or an Amazon fire device.

I used it on Roku and Chromecast without issue.
by UniversityEmployee9
Mon Jul 02, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 3121

Re: 28 w/heavy small cap tilt?

My wife and I are 100% in Target Date 2055 index funds. Have you run your Monte Carlo situations on an approximate reconstruction of your target date funds as a baseline comparison? I ask mainly out of curiosity, but it seems appropriate to know the range of outcomes you're moving away from, since ...
by UniversityEmployee9
Mon Jul 02, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 3121

Re: 28 w/heavy small cap tilt?

Love the discussion so far. Just have time to respond to the discussion about bonds so far: I have access to stable value funds in my 403b and 457b (governmental). TIAA trad at 4.25% (illiquid), 3.50 (liquid), and 3.25 (liquid), in the 403b, and a 3.50% fund in my Nationwide 457b. These all adjust u...
by UniversityEmployee9
Mon Jul 02, 2018 12:12 pm
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 3121

Re: 28 w/heavy small cap tilt?

I would not set up any portfolio myself based on portfolio visualizer which has the fatal flaw that all backtesting is using month-end numbers and ignores what happens intramonth. That is, portfolio visualizer uses less than 5% of the days the market is open each year. I have a small-cap and value ...
by UniversityEmployee9
Mon Jul 02, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: 28 w/heavy small cap tilt?
Replies: 41
Views: 3121

28 w/heavy small cap tilt?

Hi All, My wife and I are 100% in Target Date 2055 index funds. I recently read Larry Swedroe's "Black Swan" book, and although I don't really have access to most of the exotic alternative investments talked about in the book, I do have access to small value funds, and I am sufficiently convinced th...
by UniversityEmployee9
Mon Jul 02, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 4937

Re: Do you own just 5% of anything?

livesoft wrote:
Mon Jul 02, 2018 8:47 am
Yes, I have some new ideas that I am trying to grow above 5%. The reality is that one starts at 0% and works their way up.

But I will always have less than 5% in cash and closer to 0% in cash.
What are your new ideas?
by UniversityEmployee9
Sun Jul 01, 2018 9:58 pm
Forum: Investing - Help with Personal Investments
Topic: Do you own just 5% of anything?
Replies: 65
Views: 4937

Do you own just 5% of anything?

Like the title says: what [asset or fund] do you own that makes up less than 5% of your portfolio and why? For this discussion let's avoid mentioning stocks of individual companies (boring) or funds that happen to make up less than 5% of your portfolio that are nearly identical to other funds you ow...
by UniversityEmployee9
Fri Jun 29, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody Investing with 'Betterment'?
Replies: 22
Views: 2306

Re: Anybody Investing with 'Betterment'?

Supposedly it is difficult to get your money out of there, at least it was in the past according to some others who have posted on this forum. Past that, it seems like the most useful feature is probably the tax-loss harvesting, and you have to make a call on whether or not that's worth the fee they...
by UniversityEmployee9
Tue Jun 19, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Marriott hotels using Alexa/Echo in guest rooms?
Replies: 34
Views: 3244

Re: Marriott hotels using Alexa/Echo in guest rooms?

The echo only sends data to Amazon after the "alexa" hotword is used. It's not sending data constantly, as that would be a huge waste of bandwidth. This can and has been easily monitored and tested by many researchers. In other words, yes it is listening, but it just has a simple computer that liste...
by UniversityEmployee9
Fri Jun 15, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: 28 with a wife and new baby
Replies: 31
Views: 2216

Re: 28 with a wife and new baby

I might have missed it somewhere, but how much do you expect to be able to save towards retirement next year? Assuming your income and costs stay relatively stable (a big assumption, and obviously not likely to be true if you have more kids or you wife stops working to stay at home), I don't see wh...
by UniversityEmployee9
Fri Jun 15, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Personal finance HELP
Replies: 19
Views: 1404

Re: Personal finance HELP

I currently have medicare right now. It was recommended to me by a health insurance broker. so far its worked out and about 1/4 the cost of going through the marketplace. You're in your twenties and you have Medicare? How? Surely you mean Medicaid? And with your income how could you possibly qualif...
by UniversityEmployee9
Fri Jun 15, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Personal finance HELP
Replies: 19
Views: 1404

Re: Personal finance HELP

If you get no benefits through work then you buy your own health insurance, right? So why can't you get a high deductible insurance plan and an HSA?

You can open up individual 401k plans as well.

Wait on paying off the house so long as the rate is low (less than 4.5%) and fixed.