Search found 885 matches

by digarei
Sun Jan 11, 2015 7:35 am
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 16963

Re: Do you use lifestrategy/ asset allocation funds?

I'm in retirement and would like to use Life Strategy or Target Date funds for simplicity especially for my spouse/estate. My hesitation is that they either have an overall allocation or funds that I am not comfortable with. I wish they had a series of balance index funds instead of the sole 60/40 ...
by digarei
Sun Jan 11, 2015 6:48 am
Forum: Investing - Theory, News & General
Topic: Three Questions That Bruise The Small Cap Perf. Promise
Replies: 14
Views: 2597

Re: Three Questions That Bruise The Small Cap Perf. Promise

nisiprius Your articulate and well-thought out response is somewhat troubling to this novice investor. I'm not qualified to acknowledge each of your excellent points but have archived them for re-reading when I understand a bit more about this topic. Thank you. What follows is an attempt for me to g...
by digarei
Sat Jan 10, 2015 2:46 am
Forum: Investing - Theory, News & General
Topic: Three Questions That Bruise The Small Cap Perf. Promise
Replies: 14
Views: 2597

Re: Three Questions That Bruise The Small Cap Perf. Promise

Interesting and provocative. Having not read the famous study authored by Fama and French (just other writers who presumably have read their work) it would be unwise of me to either dismiss or defend the article's (implied) allegation: that Fama/French were wrong about the Small Cap premium because ...
by digarei
Fri Jan 09, 2015 11:38 pm
Forum: Personal Investments
Topic: Vanguard Mutual Fund or Brokerage acct?
Replies: 3
Views: 1289

Re: Vanguard Mutual Fund or Brokerage acct?

[...] the money market fund would require a minimum investment. Correct me if I'm wrong on any of this...I have never bought a single stock or ETF, I only use it for the sweep account. Vanguard's Prime Money Market VMMXX does require an initial minimum investment -- that's also the level needed to ...
by digarei
Fri Jan 09, 2015 9:44 pm
Forum: Investing - Theory, News & General
Topic: Do you use lifestrategy/ asset allocation funds?
Replies: 77
Views: 16963

Re: Do you use lifestrategy/ asset allocation funds?

Asset allocation funds are terrific for non-investors and anyone starting out who's a little fearful that their money will evaporate on the first bad market day. I purchased Vanguard's STAR fund (VGSTX) years ago and today use it for a specific purpose (as an education fund). It's a 60/40 potpourri ...
by digarei
Fri Jan 09, 2015 1:53 am
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 557
Views: 47886

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

For some inexplicable reason, I associate a relatively modest decline of the S&P500 in this coming year with an historically precarious year for so many in the world at large. The past is past but sometimes history rhymes in odd and unexpected ways.

1941
by digarei
Thu Jan 08, 2015 9:43 pm
Forum: Investing - Theory, News & General
Topic: "Dos and Don'ts for Combating Portfolio Sprawl"
Replies: 3
Views: 1389

Re: "Dos and Don'ts for Combating Portfolio Sprawl"

"For every single portfolio I receive that's whippet-thin--without an excess stock, fund, or ETF to spare--I come across 10 more that have 50, 60, or even 100 individual holdings." ... "If you're looking for a data point with the greatest predictive power for mutual fund performance, a fund's expen...
by digarei
Thu Jan 08, 2015 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 16
Views: 3062

Re: Intro & Qs - Paying down debt / Improving cash flow

What are your expected tax rates when you withdraw from the 401k? If you are saving nearly 33% on taxes now and expect to pay 0 in retirement then it makes more sense to max your 401k before paying down your loans. Can you take a loan from your 401k? If so, you can probably borrow at around 5%. Bor...
by digarei
Tue Jan 06, 2015 6:33 am
Forum: Personal Finance (Not Investing)
Topic: FSA and healthcare premiums
Replies: 2
Views: 624

Re: FSA and healthcare premiums

She should obtain a plan summary of Allowed and Disallowed Expenses.  Fortunately, there are many different types of medical expenses that are allowed.  Identify $750 of one or more of these allowed expenses and document their procurement in the current year.   Does your girlfriend wear prescription...
by digarei
Tue Jan 06, 2015 5:18 am
Forum: Personal Investments
Topic: Long time lurker, ready for advice.
Replies: 7
Views: 1759

Re: Long time lurker, ready for advice.

That's a great savings rate! And congratulations on acquiring an income source at 29 that is evidently über-secure. Perhaps you could edit your post to include a bit more information .... Are you single or married (filing status)? Fed/state tax rates? What's in your 401(k) currently (i.e. which fund...
by digarei
Tue Jan 06, 2015 3:41 am
Forum: Investing - Theory, News & General
Topic: Roth IRA and/or Vanguard 403(b) via TIAA-CREF
Replies: 2
Views: 1037

Re: Roth IRA and/or Vanguard 403(b) via TIAA-CREF

If your son's earnings at CalTech are sufficient, contributions can be made to both the Roth IRA and the 403(b) plan -- up to $18,000 a year.   Excellent fund choices (along with higher cost funds) are available within the 403(b) plan. He could elect to approximate the 90/10 asset allocation of the ...
by digarei
Mon Jan 05, 2015 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 16
Views: 3062

Re: Intro & Qs - Paying down debt / Improving cash flow

UPDATE - Six Months Thanks to suggestions and affirmation from Zabar, Boglemama and others, I decided to implement a plan to pay off all of my consumer debt before July 2015 so that I could redirect the money spent on these loans to max out my 401(k) prior to retirement. My plan was to juggle commit...
by digarei
Thu Dec 18, 2014 3:02 am
Forum: Investing - Theory, News & General
Topic: Josh Brown on Vanguard
Replies: 6
Views: 1694

Re: Josh Brown on Vanguard

hh14 wrote: I know we're supposed to stay the course, but who else is thinking enough already? Welcome to the forum. I suppose that the mental anguish is less for investors with "underweight" exposure to international equities. I'm about 30% so I have felt the drag in recent years, but I'm stubborn-...
by digarei
Sun Dec 07, 2014 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Am I being cheap? [wedding/engagement ring]
Replies: 192
Views: 16022

Re: Am I being cheap? [wedding/engagement ring]

When I replace the hypothetical couple in my mind with a gay couple, one of whom really wants a diamond ring, and the other doesn't, I really don't see a problem with 95% of the comments in this thread. What's really going on? Hands up - how many people would now counsel Mr. Diamonds-Are-Silly to g...
by digarei
Sun Nov 23, 2014 9:46 pm
Forum: Personal Consumer Issues
Topic: Republic Wireless
Replies: 69
Views: 19934

Re: Republic Wireless

Sticker Shock That's what I got a month after I began service using Republic Wireless' Moto X phone. I had signed up for the $25 a month 3G service when I purchased the phone but realized shortly that I never used email or web browsing away from home except when I was near a WiFi connection. So I c...
by digarei
Sat Nov 08, 2014 7:03 am
Forum: Non-US Investing
Topic: Possible transfer from Lifestrategy to ETF's - Australia
Replies: 7
Views: 1448

Re: Possible transfer from Lifestrategy over to ETF's

Hi Ed, Is this the fund you're considering unloading? Vanguard LifeStrategy Growth Inv  VASGX The expense ratio for investor shares of this fund is 0.17% - not 0.90%. I'm not familiar with Vanguard's offerings in Australia but the fund listed above has done quite well. If you're buying the growth fu...
by digarei
Sat Nov 08, 2014 6:22 am
Forum: Personal Finance (Not Investing)
Topic: California FTB Tax Notice of Assessment received
Replies: 4
Views: 1452

Re: California FTB Tax Notice of Assessment received

I think that a $6000 assessment notice from the Franchise Tax Board that did not conform to a straight reading - or my own interpretation - of the tax code would prompt me to call a tax advisor (not necessarily a CPA) pronto. When I did my own taxes (with Turbo Tax) the software company included an ...
by digarei
Thu Nov 06, 2014 4:23 pm
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 4155

Re: Your very first email

Office Vision VM / PROFS was the first integrated email system I was exposed to in the workplace.  Messages were routed to terminals within a network of state agencies and supported by a large data center (Stephen P. Teale) in California. 1991?  My department began accepting mail from outside this n...
by digarei
Thu Nov 06, 2014 3:28 pm
Forum: Personal Consumer Issues
Topic: Keep it or trade it in.
Replies: 5
Views: 937

Re: Keep it or trade it in.

I can afford to buy it but do not want to since i am in the process of buying a house in the next few months. This ^^^ If you love the car, keep it. The recent repairs not withstanding - which don't seem exorbitant for a 6-7 year old vehicle driven 12,000 miles a year. Perhaps you could negotiate $...
by digarei
Sat Oct 25, 2014 6:14 pm
Forum: Investing - Theory, News & General
Topic: What funds are negatively correlated with stocks?
Replies: 24
Views: 6269

Re: What funds are negatively correlated with stocks?

If the Morningstar correlation table posted by Stonebr is accurate (the column heading for US Mid Cap Growth is repeated but I think the author meant to indicate US Mid Cap Value) then the answer to your question is evident:

[International] Non-US Bonds
by digarei
Thu Oct 23, 2014 11:17 pm
Forum: Personal Consumer Issues
Topic: How often do you change your car's oil?
Replies: 168
Views: 38797

Re: How often do you change your car's oil?

2006 Scion xA 7000 miles per year Taken to the neaby Quality Tune-Up shop when the MAINT dash indicator light comes on. This corresponds roughly to the Toyota manufacturer's recommended interval. During the first couple of years of ownership, I washed and hand-waxed the car every month but stretched...
by digarei
Sun Oct 19, 2014 1:39 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Rebalancing
Replies: 49
Views: 9036

Re: The Final, Definitive Thread on Rebalancing

I love it. Totally 'inside baseball' but I haven't laughed this hard in months.

As a reader of this forum for less than six months, I now feel like a veteran. Now, off to read your other subversive threads... Thanks! :)
by digarei
Fri Oct 17, 2014 10:34 am
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 107
Views: 14868

Re: Smartphone questions

Familiarity breeds content(ment). My only direct personal experience is with the Moto X purchased outright using Republic Wireless (for about $300). Monthly charge is $25 .... $29 inc tax/fees. It seeks out wireless networks for calling, texting, Internet use but works seamlessly on cell mode and ev...
by digarei
Tue Oct 07, 2014 1:25 pm
Forum: Investing - Theory, News & General
Topic: today's WSJ page 1...interesting
Replies: 22
Views: 3969

Re: today's WSJ page 1...interesting

....The solution is: c) Paste the exact title into a Google search. Perhaps with double quotes around it to tell Google you want the exact phrase, but it usually isn't necessary. I assume you mean the original poster does this so the thousands of people that visit the site don't have to. If you mea...
by digarei
Mon Oct 06, 2014 10:10 pm
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 1145

Re: Fund Prospectus from Vanguard

I received notification by email last week that one or more new reports from Vanguard were available... Because I own several bond funds plus the Short Term Investment Grade Fund I wasn't surprised at the notification. But when I logged on to the fund prospectus/reports page, I found that, contrary ...
by digarei
Sun Jul 06, 2014 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 16
Views: 3062

Re: Intro & Qs - Paying down debt / Improving cash flow

You state that you plan on retiring in a couple of years, at age 59 or 60. Why? If not for health reasons, this doesn't make sense to me if you really are concerned about your net worth. That strikes me as the key variable in this equation. Good catch! Yes, early retirement would be inconsistent wi...
by digarei
Sun Jul 06, 2014 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 16
Views: 3062

Re: Intro & Qs - Paying down debt / Improving cash flow

Q1. Does the 6500 Roth IRA contribution impact the total allowed 23K catch-up pre-tax contrib. to my 401(k) ?   Yes but do not do any Roth until you have your debt paid of, the tax savings will help your cash now, you can adjust your Roth later. I admit that my concern is premature. But once I have...
by digarei
Sun Jul 06, 2014 7:05 pm
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 16
Views: 3062

Re: Intro & Qs - Paying down debt / Improving cash flow

Do you have a car? Could you take out a used car loan against the car and pay off the higher interest rate debt? I looked at my credit union (digital Fedral Credit Union) and they have interest rates below 3%, lowest is 1.25% for five years, direct deposit, direct withdrawal. I confess that this is...
by digarei
Sun Jul 06, 2014 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 16
Views: 3062

Re: Intro & Qs - Paying down debt / Improving cash flow

The steps that you are planning on taking will really make a significant impact on your wealth and future financial comfort. Congratulations to you! And you have a very nice plan set up. At 10% & 12%, that debt is killer! I'd pay that off ASAP. I would temporarily reduce your contributions to 0 (un...
by digarei
Sun Jul 06, 2014 12:06 am
Forum: Personal Finance (Not Investing)
Topic: Intro & Qs - Paying down debt / Improving cash flow
Replies: 16
Views: 3062

Intro & Qs - Paying down debt / Improving cash flow

* * * Hi all, I will never be rich.   :moneybag (Nor need concern myself much with estate taxes and the other inconveniences felt by the upper 1%.) I started saving much too late, clearly missed the bull market as well as years of compounding. I marvel at the high six and seven figure+ sums casually...
by digarei
Sat Jul 05, 2014 5:52 pm
Forum: Personal Investments
Topic: Feedback on my reconstructed AA based portfolio
Replies: 3
Views: 790

Re: Feedback on my reconstructed AA based portfolio

Congratulations on the portfolio reconstruction! Have you decided how you're going to invest the 20% cash? Interesting and somewhat conservative asset allocation. I have a similar percentage of REIT (~5%) among the heavy hitters (Total Stock Market, FTSE ex-USA, Total/Total Intl Bonds) in my tax-she...
by digarei
Sat Jul 05, 2014 11:45 am
Forum: Personal Finance (Not Investing)
Topic: Buying adult child a house vs paying their rent
Replies: 37
Views: 5993

Re: Buying adult child a house vs paying their rent

Even just writing this makes me think that it is a bad idea. This is undoubtedly a difficult situation for you (as well as for the 'young adult') but for the reasons you've outlined, this would not likely lead to independence and could have a very poor outcome for all. What kind of leverage would b...
by digarei
Sat Jul 05, 2014 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How secure are Vanguard/Fidelity Apps?
Replies: 14
Views: 3979

Re: How secure are Vanguard/Fidelity Apps?

I access my Vanguard accounts on both my desktop computer and iPad (at home via wireless router/DSL). It seems very secure to me... Unlike my bank, which requires https for login and viewing accounts but not for lesser functions, Vanguard appears to use 128 bit encryption SSL for the entire session.
by digarei
Sat Jul 05, 2014 11:00 am
Forum: Personal Consumer Issues
Topic: Tiny House Movement
Replies: 139
Views: 21016

Re: Tiny House Movement

Living space varies widely throughout the world. My typical 1600 sq ft California starter home feels small but I grew up in homes that were twice the size (and situated on near 1 acre lots) in the mid-west and in northern New Jersey. I recently returned from visiting my partner in New Taipei City, T...