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Re: Check my TLH math

> I thought I would have to wait 31 days to sell any lots in Fund A to prevent a wash sale. Is that not correct? No, you don't need to wait to sell. You need to wait buy AFTER a sale I always thought it was 30 days before AND after. From sec.gov Under Internal Revenue Service rules, you cannot dedu...
by Chan_va
Fri Oct 31, 2014 10:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Check my TLH math
Replies: 11
Views: 451

Re: Check my TLH math

One does not have to wait 31 days in order to sell at a loss and not have the sale be a wash sale. One can sell even a moment later at a loss and it will not be a wash sale. So I think there is some misunderstanding of what a wash sale is. Livesoft, I have been contributing regularly to Fund A over...
by Chan_va
Fri Oct 31, 2014 9:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Check my TLH math
Replies: 11
Views: 451

Re: Does HSA make sense for me?

What are your premium's for the 2 plans? In general HSA's are great for people with low heathcare system usage.
by Chan_va
Fri Oct 31, 2014 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Does HSA make sense for me?
Replies: 10
Views: 578

Re: Check my TLH math

rkhusky wrote:Sounds right to me. And there is something about selling everything in a certain position that one does not need to worry about the 31 day rule.


Thanks rhusky. I wont be selling the entire position, so need to watch the 31 day rule.
by Chan_va
Fri Oct 31, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Check my TLH math
Replies: 11
Views: 451

Re: newbie opening a UTMA account.. please advise which fund

Do you have a 529 account set up? If the money is earmarked for college savings, this may make more sense than a UTMA account.
by Chan_va
Fri Oct 31, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: newbie opening a UTMA account.. please advise which funds ??
Replies: 9
Views: 378

Check my TLH math

I made a buy transaction in a fund on 9/29/2014. The amount was large enough that it didn't make sense to TLH till the 31 day period was over to prevent wash sales. If I am doing my math right, I should be able to sell out of that fund today. (10/31).

Am I right?
by Chan_va
Fri Oct 31, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Check my TLH math
Replies: 11
Views: 451

Re: What savings vehicle should I use for my car?

Thanks for the responses. I have a 30k emergency fund with Ally in a MM account so this would be in addition to that. 1) Toss it in a secondary MM account 2) Toss it in a short term bond fund I looked at my no-fee bond funds at Fido for short term and for the short term there really isn't much more...
by Chan_va
Thu Oct 30, 2014 12:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: What savings vehicle should I use for my car?
Replies: 35
Views: 1532

Re: Speculaition on Crude Oil/The Euro/and Silver

I have a hot tip. Phosphate. Yes my friends, something like 80% of the world's supply comes from one only partly stable country- Morocco. We used to get it from bird dung. Did I mention the mines are in the disputed Spanish Sahara? Where there has been a guerilla war about it since the early 1980s?...
by Chan_va
Thu Oct 30, 2014 12:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Speculaition on Crude Oil/The Euro/and Silver
Replies: 15
Views: 970

Re: Betterment Portfolio Review - Need 3 Fund equivalent %

I believe the duplication is for tax loss harvesting purposes.
by Chan_va
Tue Oct 28, 2014 11:09 am
 
Forum: Investing - Help with Personal Investments
Topic: Betterment Portfolio Review - Need 3 Fund equivalent %
Replies: 16
Views: 1073

Re: Retirement and my plan on where to put my money

I have no significant debts except for a mortgage on a condo in Austin. The mortgage is at $390,000 As a newcomer to this forum I have what might be a very dumb question-please be gentle. I often see statements similar to the one above, ie 'I have no significant debt except for a mortgage...' and t...
by Chan_va
Tue Oct 28, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement and my plan on where to put my money
Replies: 16
Views: 2081

Re: If holding cash, do you want a Great Depression?

Apart from the ethical issues, you are making a couple of assumptions which are questionable 1. The markets are endlessly elastic and will always mean revert in your investing lifetime - This has held true for the US markets over the past century, but examples abound in global markets where the mark...
by Chan_va
Tue Oct 28, 2014 9:44 am
 
Forum: Investing - Theory, News & General
Topic: If holding cash, do you want a Great Depression?
Replies: 50
Views: 3934

Re: Any married (MFJ) spouses contribute to two HSA accounts

No you cant do this - you are capped at $6650 for the family for 2015. From http://www.irs.gov/publications/p969/ar02.html#en_US_2013_publink1000204045 Rules for married people. If either spouse has family HDHP coverage, both spouses are treated as having family HDHP coverage. If each spouse has fam...
by Chan_va
Tue Oct 28, 2014 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Any married (MFJ) spouses contribute to two HSA accounts?
Replies: 2
Views: 309

Re: Your Thoughts on my Portfolio

Thanks JG. I agree that simplicity is something that I don't really have at this point. Just kind of woke up one day with all of these funds/stocks. Can't say it takes a lot of time to maintain though. Plus it gives me something to do when I can't play golf. Don't want to incur taxes (something I r...
by Chan_va
Tue Oct 28, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Your Thoughts on my Portfolio
Replies: 16
Views: 1309

Re: Will I get taxed if family sends my bank $50K from abroa

No issues and no taxes due on the money coming in from abroad. If you receive more than 100k in a year from a foreign source you have to disclose it to the irs with your return, but no taxes due. Billions of dollars are moved every day across countries. Don't stress it. Once the money is here, she w...
by Chan_va
Mon Oct 27, 2014 11:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Will I get taxed if family sends my bank $50K from abroad?
Replies: 10
Views: 1090

Re: Bogleheads.org equivalents for other areas of life?

This is ridiculously specialized, but http://www.fractalforums.com/ is a fantastic resource for folks interested in fractals (mathematical, computational, and artistic aspects). Wonderful. Thanks. Sharing with my son. I also think this is terrific--and not ridiculously specialized at all! Thanks fo...
by Chan_va
Mon Oct 27, 2014 10:28 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 70
Views: 6820

Re: Your Thoughts on my Portfolio

If I am reading this right, you have a portfolio of 10M+, and annual expenses of 120K. Of which 106K will come from pensions and SS. So, you are looking at a withdrawal rate of roughly 0.2%. At that rate, pretty much any investment scheme, short of Bernie Madoff will work. Unless you want to drastic...
by Chan_va
Mon Oct 27, 2014 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your Thoughts on my Portfolio
Replies: 16
Views: 1309

Re: Payflex HSA - Review and Investment options?

Thanks for the link. Not promising in terms of funds available.
by Chan_va
Mon Oct 27, 2014 3:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Payflex HSA - Review and Investment options?
Replies: 3
Views: 336

Re: Yield Curve Investigations

Good topic Kevin. In addition to this, a suggestion is to plot the TIPS yield curve and compare this to the nominal curve. This gives the inflation expectation of the market, but also interesting in that during crises, the 2 curves don't seem to move in parallel. Also, any reason you restricted your...
by Chan_va
Mon Oct 27, 2014 3:42 pm
 
Forum: Investing - Theory, News & General
Topic: Yield Curve Investigations
Replies: 32
Views: 2369

Re: What is the appeal of smart watches?

1995: What is the appeal of email? 1998: Who really needs the internet apart from tech geeks? 2002: Why text when I can call someone? 2007: Who needs a phone that's "smart"? 2009: A tablet that's connected to the internet? What's the appeal? 2014: Who would wear wear a smart watch? I shou...
by Chan_va
Mon Oct 27, 2014 12:58 pm
 
Forum: Personal Consumer Issues
Topic: What is the appeal of smart watches?
Replies: 22
Views: 1925

Re: Total bond market vs. Total international bond market /

Depends on your parent's tax situation. What is their marginal tax rate? If it's high, and if you have to put bonds in taxable, the traditional recommendation would be to use an intermediate term muni fund. So, in your case, if you have 400K of bonds you need to allocate and have 250K of space in th...
by Chan_va
Mon Oct 27, 2014 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Total bond market vs. Total international bond market / IRA
Replies: 7
Views: 533

Re: Total bond market vs. Total international bond market /

#2 - International bonds are still bonds - so, place them where you would place US bonds in terms of tax efficiency.

Re #1 and #3 - endless debates. As someone (Taylor?) says - when experts disagree on something, it probably does not matter much either way.
by Chan_va
Mon Oct 27, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Total bond market vs. Total international bond market / IRA
Replies: 7
Views: 533

Payflex HSA - Review and Investment options?

Folks, My wife's company is going to be offering an HDHP/HSA administered by Payflex. Anyone use this administrator, and what is your review of them? What are their investment options like? The reviews online seem pretty terrible. I can't seem to find out any of this through HR or through Payflex pr...
by Chan_va
Mon Oct 27, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Payflex HSA - Review and Investment options?
Replies: 3
Views: 336

Re: Ham and Egger's Theory? [Buy Whatever Cap Size is laggin

HamNEgg, Look up something called the "Dogs of the Dow" strategy. It involved buying the worst performing stocks in the Dow every year. It worked till it didn't. This strategy and variations have been tried before. The Achilles heel of all these is that there is no natural "timeframe&...
by Chan_va
Mon Oct 27, 2014 10:29 am
 
Forum: Investing - Theory, News & General
Topic: Ham and Egger's Theory? [Buy Whatever Cap Size is lagging) ]
Replies: 38
Views: 3061

Re: What is the appeal of smart watches?

1995: What is the appeal of email?
1998: Who really needs the internet apart from tech geeks?
2002: Why text when I can call someone?
2007: Who needs a phone that's "smart"?
2009: A tablet that's connected to the internet? What's the appeal?
2014: Who would wear wear a smart watch?
by Chan_va
Mon Oct 27, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: What is the appeal of smart watches?
Replies: 22
Views: 1925

Re: Mr. Market turns on Amazon

I just don't like this person to use public's money to try all his crazy ideas. Even venture capitalists need feasibility study. Yes, he could use a drone to deliver toilet paper to someone who just needs it, at what cost? This is exactly why the markets are so brilliant. Those who think it's the f...
by Chan_va
Fri Oct 24, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4426

Re: Mr. Market turns on Amazon

Investing for growth is not an irrational idea. History has shown that the most wildly profitable companies are monopolies or near monopolies. If management believes that they can corner the market, then it is in the shareholder interest to invest every penny and then some into growth. You don't inv...
by Chan_va
Fri Oct 24, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Mr. Market turns on Amazon
Replies: 42
Views: 4426

Re: More Aggressive AA Post Home Purchase

You are justifying a higher stock allocation based on a higher monthly cash flow - Imagine if you got a raise tomorrow, and were still renting. Would that make you change your asset allocation? I am not saying that 72-25 is better than 90-10, but make sure you are doing it for the right reasons. You...
by Chan_va
Fri Oct 24, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: More Aggressive AA Post Home Purchase
Replies: 16
Views: 838

Re: Bond exposure in my portfolio

Are you maxing out your annual allocation to iBonds? First do that before you add any other bonds to your taxable portfolio.
by Chan_va
Fri Oct 24, 2014 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond exposure in my portfolio
Replies: 13
Views: 1487

Re: Three Possible Outcomes for Future Investment Returns

.... Rather, investors should just expect that investment returns are likely to be lower than historical averages .... I am not convinced that the concepts of historical averages and reversion to the mean make sense for the markets (and by extension, projection of future yields based on those). Bec...
by Chan_va
Thu Oct 23, 2014 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: Three Possible Outcomes for Future Investment Returns
Replies: 32
Views: 2312

Re: Bond fund, why such high returns?

Thanks for all the responses. I think i understand it now. So lets say you would buy a bond with a value of 1000 and a return of 10% over a period of 10 years. You hold it for 5 years and that year bonds with a value of a 1000 are issued at a 5% return rate for 5 years. You can sell your bond now f...
by Chan_va
Thu Oct 23, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund, why such high returns?
Replies: 13
Views: 1583

Re: Three Possible Outcomes for Future Investment Returns

Thanks Simplegift, I was looking at the wrong legend. For added color, here is some really long term data. Here is the US 10 year yield from 1790. As you can see, the period from 1980 to present has been the greatest bull market in Bonds ever. This means that we the coming decades are going to be a ...
by Chan_va
Thu Oct 23, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Three Possible Outcomes for Future Investment Returns
Replies: 32
Views: 2312

Re: Spotting bubbles

Read this classic - Manias, Panics, and Crashes: A History of Financial Crises Bubbles have been with us as long as the financial system has existed. Bubbles are painfully obvious in retrospect, but it's awfully hard to recognize one when you are in the middle of it. Even if you do recognize that yo...
by Chan_va
Thu Oct 23, 2014 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Spotting bubbles
Replies: 2
Views: 348

Re: More funds = more "efficient" rebalancing?

As mentioned, the total funds continuously rebalance. Slice and dice allows you to decide when and how much to rebalance - which may be good or bad, no one knows.

One advantage of slice and dice in a taxable portfolio is that is gives you more options to tax loss harvest.
by Chan_va
Thu Oct 23, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: More funds = more "efficient" rebalancing?
Replies: 28
Views: 1834

Re: Three Possible Outcomes for Future Investment Returns

Can you post what method you are using to calculate yields? I don't see how real 10 year treasury yields have been negative for a majority of your time period
by Chan_va
Thu Oct 23, 2014 9:51 am
 
Forum: Investing - Theory, News & General
Topic: Three Possible Outcomes for Future Investment Returns
Replies: 32
Views: 2312

Re: Just wondering how you personally calculate net worth

I discount my tax deferred holdings by 25%. An arbitrary number I pulled out of a hat. I don't discount taxable holdings by the cap gains rate on the gains, although for consistency I should. An interesting consideration - to discount a tax deferred holding. But if I did that, let's say I have 50K ...
by Chan_va
Wed Oct 22, 2014 9:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 56
Views: 3726

Re: Why I won't have bond funds

The question is, how low does the yield on the 10-year Treasury have to go before those bonds become unattractive for investment ? Unattractive compared to what? Investing is not like monopoly (in the version I used to play) where skipping your turn is an option. So the question is, where would you...
by Chan_va
Wed Oct 22, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why I won't have bond funds
Replies: 54
Views: 7988

Re: Just wondering how you personally calculate net worth

I discount my tax deferred holdings by 25%. An arbitrary number I pulled out of a hat. I don't discount taxable holdings by the cap gains rate on the gains, although for consistency I should.
by Chan_va
Wed Oct 22, 2014 4:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Just wondering how you personally calculate net worth
Replies: 56
Views: 3726

Re: Bond fund, why such high returns?

You are confusing bond coupon with yield. See here . It's true that a bond typically has a fixed coupon rate that does not change. However, what you see on the charts is yield, which is a function of price the bond was bought at and the initial coupon. The price of a bond varies daily with interest ...
by Chan_va
Wed Oct 22, 2014 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund, why such high returns?
Replies: 13
Views: 1583

Re: Active bond funds better than indexes? Pimco thinks so

The data seems to back this up - at least for intermediate term investment grade funds. A majority of active funds beach the benchmark over the 1,3 and 5 year intervals for this category.

From the latest SPIVA report for 2014.

Image
by Chan_va
Wed Oct 22, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Active bond funds better than indexes? Pimco thinks so
Replies: 36
Views: 2466

Re: Your personal risk level: Got your flu shot yet?

I am a giant wuss when it comes to needles. But now that they have a nasal spray version, I have no excuse. That spray version is for children. Doubt if you could find any provider that would administer it to you. You aren't a 10 year old, are you? :P :P :P I dont think so. From the CDC Who can be ...
by Chan_va
Thu Oct 16, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3005

Re: Dry Powder

Isn't that what bonds and rebalancing were designed for? I don't get it
by Chan_va
Thu Oct 16, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3528

Re: Which HDHP Plan to choose?

I would go with Option 2. The premium difference is about $1000/yr, but the employer makes up $800 of it by contributing to the HSA. So, for $200/yr, you are reducing your out of pocket max and deductible by over $2000. I view that as a reasonable insurance premium in case of unexpected medical expe...
by Chan_va
Thu Oct 16, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Which HDHP Plan to choose?
Replies: 7
Views: 440

Re: Your personal risk level: Got your flu shot yet?

I am a giant wuss when it comes to needles. But now that they have a nasal spray version, I have no excuse.
by Chan_va
Thu Oct 16, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3005

Re: International index investing

The nature of a diversified portfolio is that something is always lagging something else in the portfolio. We can't all be above average. Remember the tear that emerging markets went on from 2002-2007? You wouldn't want to miss out on something like that would you? Besides, you are not just buying S...
by Chan_va
Wed Oct 15, 2014 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: International index investing
Replies: 4
Views: 571

Re: At What Cost?

Yes, that is the case, at least at Vanguard. 4PM is the cutoff for receiving that days closing price.
by Chan_va
Wed Oct 15, 2014 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: At What Cost?
Replies: 4
Views: 487

Re: Relatively new here. What did you do in 2008/09

I too was a deer in the headlights, and didn't do anything. What I realized is that during typical market corrections, there is fear. But there is a zone beyond fear, and that is numbness.
by Chan_va
Wed Oct 15, 2014 9:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 7060

Re: Advice on starting "new"

Jerseydoc, welcome. I would start here - http://www.bogleheads.org/wiki/Getting_started. You can also call Vanguard, and they will walk you through the process, and handle a lot of the paperwork to transfer things over. One of the first things you should do is decide on an asset allocation that you ...
by Chan_va
Wed Oct 15, 2014 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on starting "new"
Replies: 5
Views: 628

Re: When people put all their eggs in the wrong basket

I like thought experiments. In my earlier message cited here, I looked for possible explanations of why one would put all money into a single stock. It's easy to claim that some people are just stupid and leave the topic. I wanted to find a plausible explanation apart from stupidity. Victoria I thi...
by Chan_va
Wed Oct 15, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 26641

Re: Bought a house, now time to think about retirement (help

Step 1 - calm down. Step 2 - repeat step 1. You are young and make almost 5x the median hh income, and have a positive net worth. Step 3. Estimate your expenses with the new mortgage, childcare costs etc. Step 4. If your total savings are in the 15% of pre tax income range, you are ok. You can alway...
by Chan_va
Sun Oct 12, 2014 9:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bought a house, now time to think about retirement (help)
Replies: 27
Views: 1921

Re: *Best town I've never heard of

Charlottesville va.
by Chan_va
Sat Oct 11, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Best town I've never heard of [for relocating]
Replies: 97
Views: 9798
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