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Re: Robin Williams

"Understanding poetry ...

... that the powerful play goes on and you may contribute a verse. What will your verse be?"

https://www.youtube.com/watch?v=vq_XBP3NrBo (jump to 3:35 only if you must)
by Code Commit
Tue Aug 12, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Robin Williams
Replies: 42
Views: 4639

Re: Marathon Running and Long-term Investing

Great OP and replies so far. Another thing that strikes a chord with me is that there are no shortcuts . You have to put in the time in training to have an enjoyable race. When I have not prepared for, say, a school exam, there have been occasions when I crammed the prep and still got good results. ...
by Code Commit
Wed Aug 06, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Marathon Running and Long-term Investing
Replies: 19
Views: 1695

Re: Barclay Arrival credit card

Code Commit, this is an intriguing idea. But the link you provided suggests this bonus applies to a different (less favorable) BoA card than the Travel Rewards one? Click on the "Review card eligibility guidelines" link from the page linked above, which brings up a popup. Most Bank of Ame...
by Code Commit
Mon Aug 04, 2014 1:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Barclay Arrival credit card
Replies: 19
Views: 1312

Re: Barclay Arrival credit card

Will B of A not charge me some account close-out fee as I believe is the typical case when one seeks to sever a brokerage relationship? Instead of taking my word, you should read the details at http://www.merrilledge.com/pricing . There is a $50 full account transfer or closeout fee. It is less tha...
by Code Commit
Sun Aug 03, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclay Arrival credit card
Replies: 19
Views: 1312

Re: Barclay Arrival credit card

I know that Barclays Arrival and Fidelity Amex is all the rage around here (and may be, Chase Sapphire too), but one card that gets no respect is Bank of America Travel Rewards (Visa Signature). Ok. It has only 1.5 points on all purchases (no limits), but wait till you hear the whole story. It has n...
by Code Commit
Sun Aug 03, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclay Arrival credit card
Replies: 19
Views: 1312

Re: Post your Morningstar Box Style

US only
13-16-15
11-12-5
14-10-4

International only
17-17-18
12-11-11
6-4-4

US-International Combined (US 60% + Intl 40% of equities)
15-16-16
11-12-7
11-8-4
by Code Commit
Wed Jul 09, 2014 10:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Post your Morningstar Box Style
Replies: 25
Views: 2105

Re: The Risk of Short-term Bond Funds

Thanks for this, but isn't your article really about successful market-timing of bond funds when you listed the cherry-picked one-year returns off of the lows of 2013 ? Look who's talking about cherry-picking? :twisted: If you are going to compare "short-term corporate bond index", then s...
by Code Commit
Wed Jul 02, 2014 7:59 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 11193

Re: Int'l travel & Fidelity card experiences?

For the Fidelity debit card, however, there is no foreign transaction fee. I determined this by looking at the daily published euro/$ exchange rates, and comparing that to the dollar amount withdrawn from my Fidelity Cash account. None of the ATMs I went to in several European countries charged any...
by Code Commit
Thu May 29, 2014 9:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Int'l travel & Fidelity card experiences?
Replies: 20
Views: 2032

Re: Beware Vanguard DOES NOT update all your account values

I check on the weekend. The values are wrong all weekend for Vanguard ETFs held under Outside investments. This has been my experience, so I simply stopped watching the "My accounts" page. The "Balances & Holdings" page is usually more up to date. Or Fidelity Full View for a...
by Code Commit
Sat Apr 19, 2014 10:16 am
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 5655

Re: POLL: Do you use your HSA funds to pay for medical expen

On the other hand I don't believe there's another way to access TD Ameritrade's HSA program unless you go through HSA bank, .. http://thefinancebuff.com/best-hsa-provider-for-investing-hsa-money.html and follow-up http://thefinancebuff.com/elfcu-hsa-setup.html Disclosure: I still use the HSA Bank /...
by Code Commit
Mon Mar 03, 2014 6:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do you use your HSA funds to pay for medical expenses?
Replies: 78
Views: 4648

Re: POLL: May leave VBS. Which brokerage(s) do you invest wi

For brokerage (including IRA's), mostly TD Ameritrade. Small account at VBS (excluding mutual fund accounts + Individual 401k at Vanguard). Also, a minimal amount at Fidelity (mostly for cash management).
by Code Commit
Sun Feb 09, 2014 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: May leave VBS. Which brokerage(s) do you invest with?
Replies: 35
Views: 3527

Re: I sold all of my bonds...did I make a mistake?

There is a lot of highly questionable advice repeated on this forum about bonds by people who sound like they are trying to convince themselves. CDs work great for individuals' Fixed Income Allocation. Paid advisors don't earn anything from your holding Credit Union CDs so they are mysteriously sil...
by Code Commit
Wed Feb 05, 2014 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: I sold all of my bonds...did I make a mistake?
Replies: 24
Views: 3527

Re: 529 questions

Relative benefits of 529 plan also depend largely on the duration of tax-deferral. For parents with multiple children and who start contributing right when the children are born, the deferral period could be as long as 25-30 years and the benefits of tax-free withdrawals could be substantial. Person...
by Code Commit
Mon Feb 03, 2014 3:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 questions
Replies: 31
Views: 1932

Re: Bonds - Throw it all on the table!!!

I don't know if the OP is testing us for consistent answers or simply looking for confirmation bias ;) After everyone posted various fixed income allocations (including TBM, short-term bond funds, int-term bond funds, stable value, i-Bonds, individual TIPS, TIPS funds, high-interest FDIC insured CD'...
by Code Commit
Thu Jan 30, 2014 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 135
Views: 15129

Re: S Corps, health insurance, and ACA

SeattleCPA , thanks a lot for your post (and the whole blog, which is fantastic). May I ask you one clarification? I believe our case falls as a special case of example #1 that you included, but just want to make sure. Our S-corp has only 2 employees - me and my spouse. The S-corp pays for the enti...
by Code Commit
Tue Jan 28, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: S Corps, health insurance, and ACA
Replies: 16
Views: 1437

Re: The Three Fund Portfolio

Taylor, I completely agree with your point that we will never know in advance which sub-category of the total market will outperform in the future. That is different than saying "it was a US Large Cap year". That statement by abuss was about the past year and I only offered a minor correct...
by Code Commit
Mon Jan 27, 2014 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 350783

Re: My annualized returns are better than yours. Why?

What's the problem with paying more in fees/expenses if the overall return % outperforms index funds ? What if I have an advisor who actually earns his fees? Before posting the "cocky title", did you even check if your claim (underlined above) was accurate. Of course, you have not posted ...
by Code Commit
Mon Jan 27, 2014 6:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: My annualized returns are WORSE than yours. Why?
Replies: 87
Views: 6792

Re: The Three Fund Portfolio

abuss368 wrote:It was a U.S. Large Cap year indeed.

Emphasis mine. For the record, Vanguard Small-Cap Index returned 37.64% in 2013.
by Code Commit
Mon Jan 27, 2014 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 893
Views: 350783

Re: A Simple Portfolio

60/40 US/International, as I felt both Vanguard's 70/30 and more market like 50/50 had some good arguments and I could not make up my mind. So, I split it and intend to stay here.
by Code Commit
Thu Jan 23, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: A Simple Portfolio [Equity Allocation]
Replies: 39
Views: 2909

Re: Bogleheads favorite Personal Finance/Investing Blog?

Subscribed to (& a huge fan of): http://thefinancebuff.com/ http://whitecoatinvestor.com/ http://www.obliviousinvestor.com/ These guys usually also have a weekend post with links to other blogs that they found interesting. Most of the time, they do a perfect job of finding things that interest m...
by Code Commit
Tue Jan 21, 2014 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bogleheads favorite Personal Finance/Investing Blog?
Replies: 25
Views: 4600

Re: Which to use first: Coverdell Education IRA or 529

You might also want to check if you would need to make unqualified withdrawals (say, because you overfunded college savings, or your child got scholarship). In those cases, you could withdraw from the account with the least amount of gains, thus minimizing taxes and penalties (on smaller gains). Thu...
by Code Commit
Mon Jan 20, 2014 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which to use first: Coverdell Education IRA or 529
Replies: 11
Views: 529

Re: How do I start a forum?

letsgobobby , you have some great suggestions above. Another option which may (or may not) work for everyone, but is sometimes handy. i.e. to use a closed group on Facebook. You don't have to worry about disk space, databases, hosting, etc. Your members can post photos, videos, documents and what n...
by Code Commit
Mon Jan 20, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: How do I start a forum?
Replies: 28
Views: 2377

Re: High Earners - What's Your Profession?

Software engineer (if my username wasn't clear). Being self-employed helps.
by Code Commit
Sun Jan 12, 2014 5:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: High Earners - What's Your Profession?
Replies: 357
Views: 28534

Re: Transfer ETF shares to mutual fund shares

From my experience, VBS ETF to Admiral share (or any non-money-market Vanguard mutual fund) earliest schedule: Monday (before 4pm ET) - Sell ETF Thursday - settlement date. However, Vanguard does not update their records until Thursday night (i.e. after EOD Thursday). Friday early morning - proceeds...
by Code Commit
Mon Jan 06, 2014 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Transfer ETF shares to mutual fund shares
Replies: 17
Views: 674

Re: What's Your up to the minute AA?

Just the retirement portfolio which is almost all tax-advantaged.

45% US stocks
33% Foreign stocks
5% REIT (US only)
17% Fixed income

Style-grid
16-17-16
11-12-07
09-08-04
by Code Commit
Sun Jan 05, 2014 1:30 am
 
Forum: Investing - Theory, News & General
Topic: What's Your up to the minute AA?
Replies: 104
Views: 8345

Re: Bonds - The Little Book of Common Sense Investing

This book was written before the launch of the Vanguard Total International Bond Index fund. However, unless I am mistaken, Jack Bogle has recommended to not invest in this fund. Is that the deciding criteria why you shouldn't hold it (that Jack Bogle does not recommend it?)? If so, could you name ...
by Code Commit
Sat Dec 28, 2013 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds - The Little Book of Common Sense Investing
Replies: 51
Views: 4033

Re: Where do Bogleheads call home?

I have been living in the US over a decade now. But, I would also like to just add +1 to what Sunny said above. Not only, the index funds in India are still fairly expensive (1% or more), but they also get trounced by active funds (who charge over 2%) very regularly. I really don't know what the rea...
by Code Commit
Thu Dec 12, 2013 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Where do Bogleheads call home?
Replies: 17
Views: 3089

Re: New PenFed CD rates!

Thank you, Kevin. That's a much better explanation than what I was trying to say.
by Code Commit
Tue Dec 10, 2013 6:03 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 35787

Re: Dividends... when will we know how much?

Then what are the arguments in favor of dividend investing? Here, we are only discussing the effects of mutual funds (or ETFs) paying out their accumulated dividends and there is no difference before and ex-dividend (other than potential taxes) . If you are asking about a strategy of investing in d...
by Code Commit
Tue Dec 10, 2013 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividends... when will we know how much?
Replies: 29
Views: 3332

Re: Dividends... when will we know how much?

In a tax qualified account, we now have 1.11 share at $9., but benefit by having more shares when the market increases our share value to $11. hypothetically. Yes? No. In your example, a growth of $2 ($11-$9) means 22.22% growth (2/9). So, at $11, you have (1.111 shares * $11) = $12.22 Without divi...
by Code Commit
Tue Dec 10, 2013 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividends... when will we know how much?
Replies: 29
Views: 3332

Re: Dividends... when will we know how much?

So, dividends can be useful, but they don't really benefit you if you are purely in an accumulation phase and all dividends are being reinvested. I disagree with this. Compare two investors who have a 30-year time horizon. One re-invests all dividends, and the other one doesn't. The numbers will sp...
by Code Commit
Tue Dec 10, 2013 1:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividends... when will we know how much?
Replies: 29
Views: 3332

Re: New PenFed CD rates!

Let's say, if you moved part of your fixed income allocation from TBM to 3% CDs. Essentially, you have improved the credit quality (FDIC insured) and reduced the interest rate risk. If you wanted to keep a stable risk profile as before, would you also move part of TBM to investment grade corp bonds?...
by Code Commit
Tue Dec 10, 2013 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 35787

Re: buy/hold vs. buy/hold/rebalance

My take is that he's just saying don't overdo it . A few percentage points change in the market is not a reason to suddenly start shifting money around. I agree that is certainly a sensible approach (i.e. not to overdo it). And, yes. For folks like me who are still accumulating, new contributions a...
by Code Commit
Sun Dec 08, 2013 3:22 am
 
Forum: Investing - Theory, News & General
Topic: buy/hold vs. buy/hold/rebalance
Replies: 64
Views: 3771

Re: buy/hold vs. buy/hold/rebalance

http://www.vanguard.com/pdf/icrpr.pdf It is important to recognize that the goal of portfolio rebalancing is to minimize risk (tracking error) relative to a target asset allocation, rather than to maximize returns. If an investor’s portfolio can potentially hold either stocks or bonds, and the sole...
by Code Commit
Sun Dec 08, 2013 2:41 am
 
Forum: Investing - Theory, News & General
Topic: buy/hold vs. buy/hold/rebalance
Replies: 64
Views: 3771

Re: What do early retirees actually do in Florida?

I have friends doing 100-day round the world cruises and I'm booked for a 22-day river cruise in France. So retirement offers this kind of freedom. Living in Florida near the cruise ports allows Florida retirees to take advantage of last-minute super cruise deals offered to Florida residents. Mel ,...
by Code Commit
Fri Dec 06, 2013 11:19 pm
 
Forum: Personal Consumer Issues
Topic: What do early retirees actually do in Florida?
Replies: 238
Views: 14536

Re: I'd like to challenge the logic behind a 'disaster fund'

I guess it will take me going through some version of 08 before I really learn how I can handle the downside of it all. I haven't experienced that yet. I *think* I could just ride the wave but it's all guesses for now! Are you paraphrasing Mike Tyson? Everybody has a plan until they get punched in ...
by Code Commit
Wed Dec 04, 2013 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: I'd like to challenge the logic behind a 'disaster fund'
Replies: 134
Views: 7320

Re: How to pay ZERO taxes in retirement with 6-figure expens

Wasn't this issue raised and answered by a few posters on page 2? Isn't this a variation of "what if we end up too rich?" ? If you are saving say, $70000 per year by maxing out retirement accounts + some taxable ($35000 to 401k, 11000 to Roth, 6450 to HSA + let's say 18000 taxable) from ag...
by Code Commit
Wed Dec 04, 2013 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to pay ZERO taxes in retirement with 6-figure expenses
Replies: 154
Views: 43478

Re: Etrade Solo 401k most flexible? Problems?

I do invest in VG's Europe and Asia Pacific funds, so was hoping those two would be there (they aren't),... I see VGK (Europe) on the list, but not VPL (Pacific). I use ETFs only for equity funds and premium/discounts are usually tight for all the ETFs I use (except VSS where the premium is signifi...
by Code Commit
Wed Dec 04, 2013 9:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Etrade Solo 401k most flexible? Problems?
Replies: 39
Views: 2971

Re: Etrade Solo 401k most flexible? Problems?

Not working for me and I also use Chrome. Very odd. Odd for sure. How about this? https://research.tdameritrade.com/grid/public/etfs/commissionfree/commissionfree.asp?fromSectionLeftNav=true Here you can filter by fund category, fund family, etc. and then there is also a "Download Commission-F...
by Code Commit
Wed Dec 04, 2013 12:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Etrade Solo 401k most flexible? Problems?
Replies: 39
Views: 2971

Re: Etrade Solo 401k most flexible? Problems?

marbles100 wrote:
Code Commit wrote:https://research.ameritrade.com/grid/wwws/common/reports/commissionfreeReport.asp

link not working (?)

Working for me (I use Chrome). I get a PDF and I am not logged into TDAm or anything.
by Code Commit
Tue Dec 03, 2013 10:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Etrade Solo 401k most flexible? Problems?
Replies: 39
Views: 2971

Re: Etrade Solo 401k most flexible? Problems?

FWIW, I would not move my i401k from Vanguard to TD Ameritrade just for ETFs. It will have to be for allowing incoming rollovers from IRAs (to make way for backdoor Roth if/when I need it). Also, a good cash incentive would be nice. But again, I have not needed the backdoor Roth yet. This year, afte...
by Code Commit
Tue Dec 03, 2013 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Etrade Solo 401k most flexible? Problems?
Replies: 39
Views: 2971

Re: Why is automatically reinvesting dividends bad in taxabl

Another "bad" reason may be that it could interfere with a TLH move and might trigger wash sale, if the auto-reinvestment happened 30 days before or after the TLH sale.
by Code Commit
Tue Dec 03, 2013 7:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why is automatically reinvesting dividends bad in taxable?
Replies: 21
Views: 1945

Re: Etrade Solo 401k most flexible? Problems?

-downside(?): the retirement specialist emphasized this plan is for individuals. If you got employees, you would need to use a 3rd party to help with plan doc, though could keep the same plan with TD Ameritrade. The third party would probably charge in the hundreds per year (can't remember if it wa...
by Code Commit
Tue Dec 03, 2013 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Etrade Solo 401k most flexible? Problems?
Replies: 39
Views: 2971

Re: Etrade Solo 401k most flexible? Problems?

I use TD Ameritrade. Easy to set up a solo 401k, has a Roth option, and comission free ETF's. I only use VT (total world) etf in this accout. I would recommend TD Ameritrade. FFFollower , would you be able to elaborate a little more on the contribution process at TD Ameritrade? e.g. are you able to...
by Code Commit
Tue Dec 03, 2013 2:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Etrade Solo 401k most flexible? Problems?
Replies: 39
Views: 2971

Re: Is there a way for you and I to borrow at the Fed rate?

Hmm, depends on how much and for how long do you want to borrow (and of course, your credit history). I still keep getting bombarded with 0% APR offers for 15-18 months for purchases and balance transfers. Also, the Fed rate is the rate that institutions charge each other on overnight basis. If I bu...
by Code Commit
Mon Dec 02, 2013 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way for you and I to borrow at the Fed rate?
Replies: 11
Views: 1101

Re: looking at solo 401k and SEP options - which and where

Were you able to confirm that it is okay with the IRS to open the two simultaneously? sophiainvests, I have not specifically asked IRS to confirm if it was okay (nor have I actually opened a SEP in addition to i-401k as I had no need to). But here is what the form 5305-SEP says: http://www.irs.gov/...
by Code Commit
Fri Nov 29, 2013 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: looking at solo 401k and SEP options - which and where
Replies: 27
Views: 1583

Re: looking at solo 401k and SEP options - which and where

Termination of 401k plan requires that certain reports be filed with IRS and spouse must consent in writing to naming non spouse as death beneficiary of 401k plan. 2. The annual reporting requirement after plan assets exceed $250k is a trivial single page Form 5500-EZ. The custodian provides you wi...
by Code Commit
Fri Nov 29, 2013 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: looking at solo 401k and SEP options - which and where
Replies: 27
Views: 1583

Re: looking at solo 401k and SEP options - which and where

Thanks Polaris and EmergDoc, Have been finding more info to suggest in theory IRS would allow you to have both solo 401k and SEP and split your contributions among them each year (thus being able to have admiral shares or ETFs via the SEP) with max of about $52,000 per year. Today, however, an expe...
by Code Commit
Fri Nov 29, 2013 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: looking at solo 401k and SEP options - which and where
Replies: 27
Views: 1583
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