Search found 69 matches

Return to advanced search

Re: diff between "pre-refunded" and "escrowed to maturity" m

Steve, vesalius, Thanks for the replies. They were helpful. And basically matched my understanding of the 2 concepts. Interestingly, the Fidelity site seems to treat them as mutually exclusive -- a search for pre-redunded bonds returns results, as does a search for escrowed to maturity, but if you s...
by 15202guy
Sun Mar 30, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: diff between "pre-refunded" and "escrowed to maturity" munis
Replies: 3
Views: 250

diff between "pre-refunded" and "escrowed to maturity" munis

Hi all, I noticed that the Fidelity website has 2 designations for muni bonds, and I'm not sure of the real difference between them, even after reading Fidelity's definitions. Can someone please explain the difference between "pre-refunded" and "escrowed to maturity" muni bonds? ...
by 15202guy
Sun Mar 30, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: diff between "pre-refunded" and "escrowed to maturity" munis
Replies: 3
Views: 250

Re: I-bond suitability for high tax bracket investors

Good points, thx for the comments. I agree that for many (most?) people, having to pay the tax all at once during peak earning years could make them less optimal than other often-compared investments. But it does seem that if you expect to be in the same tax bracket from your time of purchase throug...
by 15202guy
Sun Feb 16, 2014 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: I-bond suitability for high tax bracket investors
Replies: 8
Views: 1050

I-bond suitability for high tax bracket investors

I was surprised to see the wiki article on I Bonds note that they "...may not be a suitable investment..." if you will be in a high tax bracket when they mature. Doesn't this same argument apply to all taxable investments? Are I Bonds in some way RELATIVELY worse than other investment opti...
by 15202guy
Sun Feb 16, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: I-bond suitability for high tax bracket investors
Replies: 8
Views: 1050

Re: paying HSA Bank brokerage fee

I have no info about the fee issue wrt HSAs, but in the past I have paid Fidelity IRA fees from a separate account, and although anyone can make a mistake, it seems unlikely Fidelity made this mistake for several years.
by 15202guy
Tue Oct 08, 2013 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: paying HSA Bank brokerage fee
Replies: 6
Views: 686

Re: paying HSA Bank brokerage fee

Thanks for reminding me about the separate fee for the low bank account balance.

Is there a way to pay these fees from a different account? I haven't been able to find any reference to this capability online.
by 15202guy
Sun Oct 06, 2013 8:12 pm
 
Forum: Investing - Theory, News & General
Topic: paying HSA Bank brokerage fee
Replies: 6
Views: 686

paying HSA Bank brokerage fee

What is the common wisdom among Bogleheads wrt investing in Vanguard funds through HSA Bank? Do you generally recommend paying the $36/year to invest the entire account balance, or leaving $4850 in the (basically 0 interest) bank account to avoid the fees? I'd imagine the common wisdom is to invest ...
by 15202guy
Sun Oct 06, 2013 3:38 pm
 
Forum: Investing - Theory, News & General
Topic: paying HSA Bank brokerage fee
Replies: 6
Views: 686

Re: Quicken Deluxe vs Premier

Thanks for the input. My decision just became a little harder b/c now the price difference between the 2 versions is only $20 vs $40, so it is a smaller price to pay for the assurance I won't miss any features that aren't included in Deluxe.
by 15202guy
Mon Feb 11, 2013 1:03 am
 
Forum: Personal Consumer Issues
Topic: Quicken Deluxe vs Premier
Replies: 8
Views: 2504

Quicken Deluxe vs Premier

I currently use Quicken Premier and need to upgrade so I don't lose transaction downloading in April. I do NOT use Quicken to track tax lots, compute capital gains, etc. so I was thinking that I might not need the considerably more expensive Premier version. But I noted that a feature of Premier is ...
by 15202guy
Sat Feb 09, 2013 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Quicken Deluxe vs Premier
Replies: 8
Views: 2504

Re: taxation of proceeds from life settlement policy

Thank you! I had not found that specific article. That makes it clear that the acquisition cost is subtracted from the death benefit. The wording in other sources I found was ambiguous.
by 15202guy
Sat Jan 12, 2013 7:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: taxation of proceeds from life settlement policy
Replies: 2
Views: 358

taxation of proceeds from life settlement policy

I have tried researching this question both online and by talking with life insurance companies, but am having difficulty getting an authoritative answer. I am hoping someone here can help. If you buy a non-term life insurance policy from someone for its cash surrender value, how does the amount pai...
by 15202guy
Sat Jan 12, 2013 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: taxation of proceeds from life settlement policy
Replies: 2
Views: 358

Re: first-time portfolio review for a long-time lurker

As a meta-comment about our ongoing discussion, one of the themes that keeps coming up is simplicity across accounts, and simplifying holdings by eliminating redundancy. Maybe this explanation will shed some light on how I view things, and hence why I don't see them as particularly complex or cumber...
by 15202guy
Wed Jan 09, 2013 1:18 am
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

Re: first-time portfolio review for a long-time lurker

pingo, thank you so much for your detailed and comments, thoughts, and advice. I want to carefully consider all of your suggestions before making any decisions, but in the interim, I wanted to reply with some comments and my current thoughts. It is funny that you mention the Fidelity Total US Stock ...
by 15202guy
Sun Jan 06, 2013 7:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

Re: difference in performance between VXUS and VTSAX

Looks to me as though the entire difference occurred in the first day or two of the funds' existence (select a date a couple of days after then as your starting point, such as 1/28/2011). May be simply due to a difference in what is reported as the starting price or some other vagary of ETFs I don'...
by 15202guy
Thu Jan 03, 2013 2:17 am
 
Forum: Investing - Theory, News & General
Topic: difference in performance between VXUS and VTIAX
Replies: 8
Views: 617

Re: difference in performance between VXUS and VTSAX

The VTSAX is the actual value of the stocks making up the index. The VXUS is an exchange traded fund and while it is made up of the same holdings as the VTSAX it is traded on the open market and can trade at a premium or a discount - to me it is very similar to a closed end fund. If you are looking...
by 15202guy
Thu Jan 03, 2013 12:26 am
 
Forum: Investing - Theory, News & General
Topic: difference in performance between VXUS and VTIAX
Replies: 8
Views: 617

difference in performance between VXUS and VTIAX

Important note: I originally posted using the wrong ticker symbol for Vang Total Intl Admiral...it is corrected here, sorry Can anyone explain the difference in performance between VXUS (Vang Total Intl ETF) and VTIAX (Vang Total Intl Admiral) over say the last 3 years? I am looking at a "growt...
by 15202guy
Wed Jan 02, 2013 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: difference in performance between VXUS and VTIAX
Replies: 8
Views: 617

Re: first-time portfolio review for a long-time lurker

Yes, I've been thinking about the two ways to approach risk a lot lately. Both arguments have significant merit. I'll definitely be adjusting to 15-20% bonds very shortly, and perhaps even higher than that...I will see how my thinking on this issue evolves. Okay. In that case I'll look at your situ...
by 15202guy
Wed Jan 02, 2013 9:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

Re: first-time portfolio review for a long-time lurker

Pingo, thanks for your comments and questions. Some of your questions forced me to revisit my portfolio strategy, which is exactly the point of threads like this. We've discussed this to some extent. I'll just comment that Morningstar.com shows the same ER (0.18%) for FSGDX and VXUS. At first glance...
by 15202guy
Wed Jan 02, 2013 1:22 am
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

Re: first-time portfolio review for a long-time lurker

Nathan Drake wrote:Did you work with a consulting firm before breaking out on your own? What kind of consulting?


I did not. But I will PM you a little bit of info...
by 15202guy
Sun Dec 30, 2012 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

Re: first-time portfolio review for a long-time lurker

EACH YEAR? Congratulations! :shock: All I can say, is you probably do not need advice from the likes of me, but I'm likely to offer it anyway so take it with a grain of salt! :D That's my hope...we'll see if it materializes! And I very much appreciate all comments! The variation and size of future ...
by 15202guy
Sun Dec 30, 2012 10:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

Re: IWN vs VBR for SCV tilt

Cuzz35 wrote:Keep in mind this fund is changing it's benchmark or is set to change it. If I remember correctly from an earlier thread,this change removed REITs from the fund.


By "this fund" do you mean VBR?
by 15202guy
Sun Dec 30, 2012 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: IWN vs VBR for SCV tilt
Replies: 19
Views: 1231

Re: IWN vs VBR for SCV tilt

Here you go: http://www.google.com/search?rls=en&q=ijs+site:bogleheads.org livesoft, with all due respect, I've done the search and read the threads. But I guess I came to a different conclusion than you did. If you would like to highlight some specific threads or posts, that would be helpful a...
by 15202guy
Sun Dec 30, 2012 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: IWN vs VBR for SCV tilt
Replies: 19
Views: 1231

Re: first-time portfolio review for a long-time lurker

Hi Pingo, thanks for your comments. I have some comments/questions about your comments below. Also, you don't say how much you're saving each year in the taxable account(s), if anything. This is VERY variable, based on significant income fluctuations. But I am hoping low six figures on average. Just...
by 15202guy
Sun Dec 30, 2012 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

Re: first-time portfolio review for a long-time lurker

Nathan Drake wrote:How in the world did you manage to make so much money by 35? Get lucky with a start up?


Not to sound cliched, but lots of hard work and a little luck... (e.g., landing a few key consulting clients). No startup involved :)
by 15202guy
Sun Dec 30, 2012 1:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

Re: IWN vs VBR for SCV tilt

What happened to IJS? I used to use IJS/VBR as a tax-loss harveting pair, but since VBR now has a huge unrealized gain I don't look at this stuff anymore. Actually, I am worried about the research tools at Fidelity now if you came across IWN and not IJS. What's up with Fidelity? Are they broken? I ...
by 15202guy
Sun Dec 30, 2012 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: IWN vs VBR for SCV tilt
Replies: 19
Views: 1231

IWN vs VBR for SCV tilt

In my portfolio review thread, I indicated that I was considering using IWN (iShares Russell 2000 Value Index ETF) to add an SCV tilt to my portfolio. One poster suggested looking instead at VBR (Vanguard Small-Cap Value ETF) because of its lower expense ratio (.37% for IWN vs .21% for VBR). However...
by 15202guy
Sun Dec 30, 2012 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: IWN vs VBR for SCV tilt
Replies: 19
Views: 1231

Re: first-time portfolio review for a long-time lurker

I'm not sure where the official line is but at 35 you are getting near to being middle age :shock: so it would be hard to suggest any less than 20% in bonds. (Disclaimer: I don't really like bonds right now so I am mostly avoiding longer term bonds.) Gee, thanks for pointing that out ;) But you are...
by 15202guy
Sat Dec 29, 2012 12:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

Re: first-time portfolio review for a long-time lurker

Hi Watty, thanks for your comments! To keep my transaction costs low, I bought one large lot of VXUS in my current 401k, then when I need to add more international, I do so in my old 401k (and sell domestic) since there are no fees. Even at $25 a trade, making a dozen trades a year only add somethin...
by 15202guy
Sat Dec 29, 2012 1:12 am
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

Re: first-time portfolio review for a long-time lurker

Dave, thanks for taking the time to read and comment. A few brief notes in response. Lucky you. You have one heck of a lot more money than I had at your age. If you ever get married, I don't care how good the relationship seems, get a lawyer to do a pre-nup. I am very blessed to have been successful...
by 15202guy
Sat Dec 29, 2012 1:02 am
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

Re: first-time portfolio review for a long-time lurker

Stan, thanks so much for your comments! 1) One thing I'm working towards myself is a little more account diversity (e.g. some I-Bonds and munis in taxable, some equities in tax deferred). Seems to me like the prudent thing to do given tax rate uncertainty. Yes, the tax diversity is exactly my logic....
by 15202guy
Sat Dec 29, 2012 12:56 am
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

first-time portfolio review for a long-time lurker

Hi everyone, I am looking for any advice or opinions about optimizing my portfolio and/or tweaking my AA. I am reasonably happy with my current situation but I am always looking to improve :) Emergency funds: I usually hold an excessive amount of cash (1+ yrs living expenses) because of year-to-year...
by 15202guy
Fri Dec 28, 2012 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: first-time portfolio review for a long-time lurker
Replies: 31
Views: 3256

Re: allocating bonds across 401k & Roth IRA to max Roth bala

Thanks for all of the additional discussion. As noted in my OP, I know that the ending balance will be the same no matter how I divide the assets, but I am still trying to maximize the Roth balance because of the RMD issue (which, as noted, could change). The discussion did force me to consider tax ...
by 15202guy
Fri Dec 28, 2012 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: allocating bonds across 401k & Roth IRA to max Roth balance
Replies: 14
Views: 1195

Re: allocating bonds across 401k & Roth IRA to max Roth bala

Thank you for the replies. Leaving the Roth as all stock is what I expected the answer would be, but I wanted to seek confirmation. Since my time horizon is 20+ years and I am willing to take considerable risk in this portion, I will proceed with that plan for the current time...I will likely gradua...
by 15202guy
Thu Dec 27, 2012 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: allocating bonds across 401k & Roth IRA to max Roth balance
Replies: 14
Views: 1195

allocating bonds across 401k & Roth IRA to max Roth balance

I am seeking opinions/advice as to whether I would be more likely to maximize the return *in my Roth IRA* if I put my AA-dictated allocation of bonds in both my 401k and my Roth IRA, or if I should put the entire bond position in the 401k. I guess the argument for splitting the position across the t...
by 15202guy
Thu Dec 27, 2012 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: allocating bonds across 401k & Roth IRA to max Roth balance
Replies: 14
Views: 1195

Re: where to invest a lump sum to be used for periodic payme

My thought as well, so let me take a traditional Forum route and not answer your question but ask why it is that the money needs to be set aside. Would it be severely difficult to fund this payment from income and the bulk of existing investments without segregating a special fund? My income is SO ...
by 15202guy
Sat Feb 11, 2012 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: where to invest a lump sum to be used for periodic payments
Replies: 9
Views: 651

Re: where to invest a lump sum to be used for periodic payme

How about this? Ask what you could get the principal reduced to if you pay it all off now. Yeah, I wish that was an option, but it isn't :( I'd be interested in hearing the arguments for and against this course of action [using VFSTX] vs. the GNMA fund. Me too! I'd also be interested to hear though...
by 15202guy
Sat Feb 11, 2012 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: where to invest a lump sum to be used for periodic payments
Replies: 9
Views: 651

where to invest a lump sum to be used for periodic payments

I have an obligation of $44K which is to be paid at a rate of $2K monthly. I would like to set aside the entire amount and have it liquidated at the appropriate rate over time. Obviously, this money is needed in the near-term so I can't be too aggressive. However, I would like to take a little risk ...
by 15202guy
Sat Feb 11, 2012 3:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: where to invest a lump sum to be used for periodic payments
Replies: 9
Views: 651

Re: Solo 401k - employer or employee contributions?

One of the benefits of incorporating is that the employer contributions DO escape employment taxes. This is especially nice for high wager earners, where you could put in the entire $49K (or whatever the max is) totally tax free.
by 15202guy
Sat Feb 04, 2012 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Solo 401k - employer or employee contributions?
Replies: 3
Views: 338

Re: updating the Merriman Fidelity portfolio

Thanks for the great suggestions! I will review this material and see what makes the most sense. I am not averse to using the ETFs, but would of course like to avoid commissions when feasible....which do eventually add up when you're talking about 10 funds and rebalancing several times a year. vesal...
by 15202guy
Thu Jan 26, 2012 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: updating the Merriman Fidelity portfolio
Replies: 5
Views: 976

Re: best Fidelity proxy for VGTSX/VTIAX?

Thanks livesoft. I'm trying to keep things as simple as possible, i.e., as few funds as possible (not only for simplicity, but also to keep fees down, when looking at ETFs). What would you recommend to augment FSGUX, and in what ratio?
by 15202guy
Thu Jan 26, 2012 2:07 am
 
Forum: Investing - Theory, News & General
Topic: best Fidelity proxy for VGTSX/VTIAX?
Replies: 3
Views: 412

best Fidelity proxy for VGTSX/VTIAX?

What do you all think is the best fund or set of funds from Fidelity to approximate VGTSX/VTIAX? Without reading about the funds, it would seem to be FSIIX, but closer investigation suggests that it is actually FSGUX. But should there be additional funds included to make up for the underweight of sm...
by 15202guy
Thu Jan 26, 2012 1:08 am
 
Forum: Investing - Theory, News & General
Topic: best Fidelity proxy for VGTSX/VTIAX?
Replies: 3
Views: 412

updating the Merriman Fidelity portfolio

Has anyone given any thought to updating the Merriman Fidelity portfolio? I've been following this for a portion of my portfolio, but Merriman no longer updates it. With the new funds and changes at Fidelity, it seems that some updates are called for. Here is the last Merriman recommendation for the...
by 15202guy
Thu Jan 26, 2012 1:03 am
 
Forum: Investing - Theory, News & General
Topic: updating the Merriman Fidelity portfolio
Replies: 5
Views: 976

Re: Refi- worst experience ever!

One final note - these days, income is much more important than assets. Income has to be proven back two years and with likelihood to continue for 3 more. Can anyone give me a "good reason" why this is? I mean, really, if you've got significant NON-retirement assets -- enough to cover the...
by 15202guy
Sat Jan 14, 2012 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refi- worst experience ever!
Replies: 26
Views: 2814

Re: Refi- worst experience ever!

I'm envious of the great experiences you have all had. I started my refi in July 2011 and it just closed this week! Same situation as you all -- perfect credit, comfortably conforming, income at least 4 times what is necessary to qualify, enough savings in non-retirement accounts to pay off mortgage...
by 15202guy
Sat Jan 14, 2012 3:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Refi- worst experience ever!
Replies: 26
Views: 2814

Re: Contribute to a solo 401k?

Even if you're incorporated, you have until your filing deadline, including extensions, to make the solo 401k contribution.
by 15202guy
Mon Jan 09, 2012 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Contribute to a solo 401k?
Replies: 4
Views: 462

what is "interest on payoff loan"?

I just got my settlement docs for a refi that is supposed to close tomorrow. In the section where they calculate the payoff on the current loan, they show the principal balance, a daily interest charge on the days from my last payment through the settlement date, and then a line listed as "Inte...
by 15202guy
Thu Jan 05, 2012 11:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: what is "interest on payoff loan"?
Replies: 0
Views: 221

Re: HSA eligibility wrt coverage dates

I am confirming... Great, thank you so much! As a followup -- out of curiosity, if I did have coverage on Dec 1, would I be eligible to contribute the full $3000, or just 1/12 of that amount? Also, while I have your expertise available ;-), can you please confirm whether or not you can have both an...
by 15202guy
Fri Dec 09, 2011 11:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA eligibility wrt coverage dates
Replies: 6
Views: 473

Re: HSA eligibility wrt coverage dates

I tend to agree, but does anyone know for sure? The reason there is a tiny amount of doubt is that I will have the plan on Jan 1, 2012 when I am still allowed to open a 2011 plan.
by 15202guy
Wed Dec 07, 2011 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA eligibility wrt coverage dates
Replies: 6
Views: 473

HSA eligibility wrt coverage dates

I have a question that I have been unable to find an answer to. To open an HSA, you need to have a qualifying high-deductible plan as of the 1st of the month. You can fund an HSA up until the tax filing deadline for the year in question. My qualifying coverage starts on Dec 13, 2011. My understandin...
by 15202guy
Sun Dec 04, 2011 12:43 am
 
Forum: Personal Finance (Not Investing)
Topic: HSA eligibility wrt coverage dates
Replies: 6
Views: 473

Re: Vanguard: "Act now. Set a preferred cost basis"

I see the note on the form about them not being able to do HIFO for shares purchased before 1/1/12. So, what happens when you sell -- do they sell the shares from before 2012 last? First? Do they treat them all as having the same basis (the average basis of all holdings as of 12/31/11) and then appl...
by 15202guy
Sat Nov 12, 2011 2:50 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard: "Act now. Set a preferred cost basis"
Replies: 82
Views: 9103
Next

Return to advanced search