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Re: why would i keep $3,000 in a vanguard roth brokerage mma

You don't need to keep $3000 in MMA. It's only required to open the account. After I get a direct deposit from my employer and dividend, I buy other funds to rebalance my asset allocation every 2 weeks and I always leave it at $0. They don't have a problem with that.
by Momus
Fri Apr 18, 2014 3:33 am
 
Forum: Investing - Help with Personal Investments
Topic: why would i keep $3,000 in a vanguard roth brokerage mma
Replies: 13
Views: 1466

Re: VSS equivalent mutual fund in Vanguard?

It has 0.25% purchase fee and higher expense ratio -_-;

Just buy the ETF version?
by Momus
Fri Dec 27, 2013 3:48 am
 
Forum: Investing - Help with Personal Investments
Topic: VSS equivalent mutual fund in Vanguard?
Replies: 3
Views: 430

VSS equivalent mutual fund in Vanguard?

I want to add exposure to Small Cap Develop and Emerging markets.

Is there a VSS (ETF) equivalent mutual fund? All my money is in Mutual Funds version, not ETF.

Thank you.
by Momus
Wed Dec 25, 2013 8:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: VSS equivalent mutual fund in Vanguard?
Replies: 3
Views: 430

Capital gains distribution quesiton

Should I treat my capital gain distribution like my dividend? I redirect my dividend to buy money market fund and then quarterly invest those proceed to my portfolio to make tracking of many tax lots easier.

Is this a common practice? or, should I let my capital gain distribution reinvest?
by Momus
Mon Nov 25, 2013 4:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Capital gains distribution quesiton
Replies: 2
Views: 363

Re: Bubble bitcoins... $300 -> $800 in 10 days

http://bitcoinity.org/markets
I know right... But, the chart looks ridiculous, exactly look like a bubble about to burst.
by Momus
Tue Nov 19, 2013 12:34 am
 
Forum: Investing - Theory, News & General
Topic: Bubble bitcoins... $300 -> $800 in 10 days
Replies: 27
Views: 2205

Bubble bitcoins... $300 -> $800 in 10 days

Will this be a viable currency? The price will stabilize and go up steadily?

Maybe, I should buy 1 btc just in case...
by Momus
Tue Nov 19, 2013 12:24 am
 
Forum: Investing - Theory, News & General
Topic: Bubble bitcoins... $300 -> $800 in 10 days
Replies: 27
Views: 2205

Re: New medical resident, need help with investing versus lo

I'd not worry about it too much if u are a rad doctor... after finishing residency, you should be able to pay all the loan within 3-4 years max pulling in attending salary...
by Momus
Wed Sep 18, 2013 1:25 am
 
Forum: Investing - Help with Personal Investments
Topic: New medical resident, need help with investing versus loans
Replies: 22
Views: 1849

How do you keep all your important documents?

Now, that I got a house. I have stacks of papers escrow, HUD-1, bla bla bla over 100+++ pages, multiple years of tax return, and birth certificate, receipts, etc... Do I need to keep all of them in hard copies or could I turn them into soft copies (scanned) and trash everything? Please advice. Thank...
by Momus
Wed May 15, 2013 12:04 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you keep all your important documents?
Replies: 43
Views: 3619

Re: Apple @ $2000

Rick Ferri wrote:NEW HEADLINE!

Applie is going to $0!

Put me on TV!
:D

Rick Ferri


Rick wants marketing Air time >_>;
by Momus
Thu Jan 24, 2013 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Apple @ $2000
Replies: 60
Views: 5124

Re: Homeowner's insurance

I don't have consumer report subscription -.-;
No USAA either not a military member.

Do you guys install smoke detector, security alarm, fire extinguisher, and deadbolts just to get discount?
by Momus
Tue Jan 08, 2013 6:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance
Replies: 5
Views: 700

Homeowner's insurance

First time home buyer = noob...

How do I find a good homeowner's insurance company/cost?

The house I am buying is in San Diego, CA @565k.

Thanks for all the responses!
by Momus
Mon Jan 07, 2013 4:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Homeowner's insurance
Replies: 5
Views: 700

Re: Tax Law Changes: Roth

Can we still do back door roth-ira if you have income over $120k as a single (not exact) after fiscal deal? I am planning to do fund IRA and convert to ROTH this month but I am not sure i.e I am lazy to look it up -.-;
by Momus
Thu Jan 03, 2013 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Law Changes: Roth
Replies: 3
Views: 424

Re: Selling house (estate) - when to use RE agent

Use redfin agent if you can to get more refund money. Redfin agent tends to be able to sell for more and quicker.
by Momus
Mon Dec 31, 2012 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Selling house (estate) - when to use RE agent
Replies: 24
Views: 1814

Tenant screening service

Do you know good tenant screening service website that does not charge on going fees, one stop website & cheap to use?

Thanks!
by Momus
Thu Dec 27, 2012 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tenant screening service
Replies: 1
Views: 319

Re: Extra Mortgage Payment

I recently just rate locked 30 year fixed 3.125% no points. 5% is way too high nowadays! Where did you get that rate? http://www.zillow.com/mortgage-rates/ The company I found had 300+ reviews, and A+ on BBB, http://www.myersparkmortgage.com/ 1st home purchase. Emailed back and forth providing docu...
by Momus
Wed Dec 26, 2012 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Extra Mortgage Payment
Replies: 17
Views: 1921

Re: Extra Mortgage Payment

I recently just rate locked 30 year fixed 3.125% no points. 5% is way too high nowadays!
by Momus
Wed Dec 26, 2012 9:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Extra Mortgage Payment
Replies: 17
Views: 1921

Re: Evaluate my taxable portfolio

Ah, actually it's right where I want it... got a brain fart tonight lol. Thanks for pointing that out.
by Momus
Tue Nov 27, 2012 1:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Evaluate my taxable portfolio
Replies: 5
Views: 497

Re: Evaluate my taxable portfolio

Really? 10% of EM within equity is high?
by Momus
Tue Nov 27, 2012 12:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Evaluate my taxable portfolio
Replies: 5
Views: 497

Evaluate my taxable portfolio

This is my portfolio as of now in taxable. Any suggestion how to improve this taxable portfolio? Time horizon: 30+ years until selling. No debt. Max 401k and Back door ROTH every year. Domestic 40% Vanguard Index Trust/Total Stock Market Index Fund (VTSAX) 18% Vanguard Small Cap Value Index Admiral ...
by Momus
Mon Nov 26, 2012 11:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluate my taxable portfolio
Replies: 5
Views: 497

Re: Lost

nvm didn't read 20% equities... should be an ok plan...
by Momus
Sun Nov 25, 2012 8:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lost
Replies: 11
Views: 1473

Re: Credit score for a mortgage?

Thanks for all your responses. I'd let one of the lender pull my credit score and give the copy to me. No charge that way ;D
by Momus
Thu Nov 15, 2012 11:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit score for a mortgage?
Replies: 16
Views: 1334

Re: Highest APY for a Savings Account

Ally is the best with less rules, and always consistently rank highest in interest. I use them for 4 years since there were GMAC.
by Momus
Thu Nov 15, 2012 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Highest APY for a Savings Account
Replies: 17
Views: 2248

Re: Credit score for a mortgage?

That's TU 98? or TU 04??
What's a beacon?

I don't know any of these lol...
by Momus
Wed Nov 14, 2012 4:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit score for a mortgage?
Replies: 16
Views: 1334

Credit score for a mortgage?

I am trying to get pre-approved for a mortgage. I have credit karma, it says my score is 780. But, I need to find out what my TRUE score is. How do I find out my TRUE credit score that will be used by a loan officer? I heard about myfico.com. I can pay $40 to get 2 scores, will these 2 score accurat...
by Momus
Wed Nov 14, 2012 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Credit score for a mortgage?
Replies: 16
Views: 1334

Re: Do you use Mint.com?

http://bucks.blogs.nytimes.com/2010/07/ ... -mint-com/

I use mint to keep track of net worth.
by Momus
Mon Oct 29, 2012 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Do you use Mint.com?
Replies: 6
Views: 724

Re: I ditch Bank of America :-)

Oh cash lol... I have $1 in my wallet :D
by Momus
Tue Oct 16, 2012 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3845

Re: I ditch Bank of America :-)

How do you deposit a physical check at an online bank? I've always wondered how you deposit cash with an online bank. It's not often, maybe only a few times a year, but I do have the need to deposit legal tender. As it is, I don't think I've set foot inside my brick & mortar bank for three year...
by Momus
Tue Oct 16, 2012 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3845

Re: I ditch Bank of America :-)

How do you deposit a physical check at an online bank? You have to mail it in to them. In many online banks these days, you can also deposit using a smartphone app & camera, or PC & scanner. I'm a true frugal Boglehead - what is a smartphone? I'm still using a tin can and string apparatus. ...
by Momus
Tue Oct 16, 2012 11:02 am
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3845

Re: I ditch Bank of America :-)

I have been with Ally for well over a year or two. I have 2.4% CD's with them (that was a good idea! :wink: ), my checking account, I up load scanned checks for deposit, have a direct deposit, etc. We even used them on a wire transfer . Excellent service! Yes, I use them for wire transfer internati...
by Momus
Tue Oct 16, 2012 10:30 am
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3845

Re: I ditch Bank of America :-)

What made you switch? Was it something BoA did, or just the interest rates (any relatively high interest rate offer in today's low yield environment is probably artifical)? I had Ally for 3 years but I realized I kept sending my direct deposit money from BoA to Ally to get better rates and keeping ...
by Momus
Tue Oct 16, 2012 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3845

I ditch Bank of America :-)

Finally, closed the my account with Bank of America yesterday. Brick and mortar = fails Now, I use Ally online bank for checking and saving purposes. 0.4% interest Checking - handles day to day expenses and credit cards - Free checks - Online Check deposit - Free ATM anywhere 0.95% interest Savings ...
by Momus
Tue Oct 16, 2012 9:29 am
 
Forum: Personal Finance (Not Investing)
Topic: I ditch Bank of America :-)
Replies: 48
Views: 3845

Re: Best way to get the best mortgage rate/closing cost?

Thanks! That sort of quality post is what I am looking for!
by Momus
Tue Oct 16, 2012 5:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to get the best mortgage rate/closing cost?
Replies: 6
Views: 1256

Re: Individual Stocks

I agree that "leaving it there until retirement" is not a good idea, so I take back that part. I will enter the stocks into morning star once I find a definitive list of the top holdings (today). If things look good, I might create my own portfolio of 20-25 stocks, and every year just mat...
by Momus
Mon Oct 15, 2012 7:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Individual Stocks
Replies: 63
Views: 4309

Re: Best way to get the best mortgage rate/closing cost?

How do you know those are good rates? and not a lot of junk fees? Do you compare GFEs?
by Momus
Sun Oct 14, 2012 4:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to get the best mortgage rate/closing cost?
Replies: 6
Views: 1256

Best way to get the best mortgage rate/closing cost?

Anyone here can provide me a link, maybe internet companies, or ways to shop for a mortgage?

I live in San Diego County.
by Momus
Sun Oct 14, 2012 10:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to get the best mortgage rate/closing cost?
Replies: 6
Views: 1256

Re: Best software to keep track of cost basis/tax lot?

I heard windows stop supporting MS money? Its capabilities are limited based on this article but I am not so sure that's why I asked before I have so many purchases to track >_> http://usatoday30.usatoday.com/money/perfi/columnist/krantz/story/2012-05-03/personal-finance-tracking-software-apps-progr...
by Momus
Sat Oct 13, 2012 7:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Best software to keep track of cost basis/tax lot?
Replies: 6
Views: 966

Re: Cost basis method election in Vanguard?

Do you have any accounts (funds) that you first purchased after 1/1/2012? I don't. Perhaps that's why you don't see the choice of HIFO online. For shares purchased prior to January 1, 2012, Vanguard will be unable to accurately sell your highest costing shares, as average cost was the only calculat...
by Momus
Fri Oct 12, 2012 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cost basis method election in Vanguard?
Replies: 3
Views: 339

Cost basis method election in Vanguard?

I want to pick HIFO. But, when I go into my Vanguard account, there are only 3 options: FIFO, SpecID, Average for mutual funds. Then, there is this link I found https://personal.vanguard.com/pdf/c103.pdf provided online to select HIFO manually I guess? Does it mean I can select HIFO if I submit this...
by Momus
Fri Oct 12, 2012 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cost basis method election in Vanguard?
Replies: 3
Views: 339

Best software to keep track of cost basis/tax lot?

Which one is good? Sigfig, Mint, or Quicken? Or Excel?

I use turbotax to file my taxes.
by Momus
Fri Oct 12, 2012 6:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best software to keep track of cost basis/tax lot?
Replies: 6
Views: 966

Re: What is the return on stock vs real estate investing?

Apples and oranges. One is a passive activity, the other is running a business. The expected return is higher with the latter provided you are willing to spend substantial time on it (if you hire everything out, your expected return is not much more than the riskier parts of the stock market), but ...
by Momus
Wed Oct 10, 2012 11:55 am
 
Forum: Investing - Theory, News & General
Topic: What is the return on stock vs real estate investing?
Replies: 64
Views: 3958

What is the return on stock vs real estate investing?

Assume:

Stock investor buy S&P 500 every time he has money.
Real estate investor buys a new property with 20% down every time he accumulate enough money and rent them out.

Which one gives higher return?
by Momus
Tue Oct 09, 2012 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: What is the return on stock vs real estate investing?
Replies: 64
Views: 3958

Re: Share a dumb investment story

loss huge amount of money with long triple leverage ETF in less than a 3 weeks. Bought it one day before US got downgraded just right when they increased the debt ceiling, thinking "YAY it's time to go long buy buy buy!!!" You know what happens the next 2 months... LOL Sold out at the bott...
by Momus
Fri Sep 21, 2012 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Share a dumb investment story
Replies: 31
Views: 2642

Re: Ibond interest question

You see the redemption value. The redemption value has the three month penalty taken off. You "see" your first month's interest in the 5th month. At that point you have earned 1, 2, 3, and 4. Remove the last three (2, 3, and 4) and you are left with 1. That makes a lot of sense. They don'...
by Momus
Mon Sep 17, 2012 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Ibond interest question
Replies: 6
Views: 490

Re: Ibond interest question

So, I have to hold for 1 year before I see an adjusted "Current Value"?
by Momus
Mon Sep 17, 2012 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Ibond interest question
Replies: 6
Views: 490

Ibond interest question

This is what I have when I check my holding. Series I Savings Bond = Issue Date: 07-01-2012 Interest rate: 2.20% Amount: $10,000.00 Current Value: $10,000.00 It has been 2 months. When does the interest rate add to the current value? On the website, it says monthly but it has been over a month that ...
by Momus
Mon Sep 17, 2012 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Ibond interest question
Replies: 6
Views: 490

How huge is the tax advantage in ETF vs Mutual Fund?

Vanguard ETF vs Vanguard mutual funds?
Is it worth the switch considering turn over, bid/ask spread and capital gain?
by Momus
Sun Sep 16, 2012 3:15 am
 
Forum: Investing - Help with Personal Investments
Topic: How huge is the tax advantage in ETF vs Mutual Fund?
Replies: 2
Views: 365

Re: Using your house as retirement insurance

What do $800k houses rent for? Well, using the old 1% rule for rentals, it should go for about 8000/month. Sounds like a plan! :moneybag That's the rule if you look for investment property. But, it will never go that much... well at least in my area in San Diego, it will NOT. You are lucky if you c...
by Momus
Sat Sep 15, 2012 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using your house as retirement insurance
Replies: 15
Views: 1182

Re: Make-Believe [investing for maximum returns]

You want risk and return? Just put your money in 10x daily leveraged ETF... maybe you get lucky
by Momus
Fri Sep 14, 2012 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: Make-Believe [investing for maximum returns]
Replies: 31
Views: 1956

Re: Taking Some off the Table?

Like they say, losers (market timers) sit quietly in the background. They only boast when they get lucky.
by Momus
Fri Sep 14, 2012 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking Some off the Table?
Replies: 69
Views: 6797

Re: Need some help jumping into investing with a lump sum

I fully understand the boglehead philosophy is not to market time, but still we struggle with it, especially after putting our money in a 529 at a mini peak in stocks. With fiscal cliffs and European crises, it is hard not to wait and see if stock will drop lower to get in at the bottom, and in the...
by Momus
Fri Sep 14, 2012 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Need some help jumping into investing with a lump sum
Replies: 23
Views: 1868
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