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Re: Rebalancing template/spreadsheet

This link is a copy of my spreadsheet: https://docs.google.com/spreadsheet/ccc?key=0Alz0CwPKYu7QdHBleG5IdG9ZUzdPU25vZWVTSktxOWc&usp=sharing That will take you to a read-only copy. If you're signed into a Google account, you can "Make a Copy" from the File menu & will be able to edi...
by SSSS
Wed Mar 05, 2014 4:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing template/spreadsheet
Replies: 12
Views: 1211

Re: I received my federal tax refund this morning

It'll probably be a while longer for me -- TaxAct banned me because something in my return kept crashing their server. :(
by SSSS
Tue Feb 11, 2014 1:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: I received my federal tax refund this morning
Replies: 13
Views: 2411

Re: Why so many Roth IRAs?

Maybe I'm missing something, but why would anyone contribute after-tax income to a traditional IRA? At least four reasons: 1. Backdoor Roth conversion to circumvent Roth IRA income limits. 2. Didn't realize they wouldn't be able to deduct it (a surprising number of people don't know about the harsh...
by SSSS
Fri Feb 07, 2014 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why so many Roth IRAs?
Replies: 44
Views: 4436

Re: Why do Bogleheads invest differently?

One thing to consider is that a "total stock market" index fund doesn't necessarily indicate a true market portfolio. For example, micro-cap companies are not included, but micro-cap mutual funds tend to be garbage (due to the difficulty of investing in micro-caps), so you might over-weigh...
by SSSS
Fri Feb 07, 2014 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads invest differently?
Replies: 40
Views: 3903

Re: Why so many Roth IRAs?

Thanks for the response. I guess there was some bad information earlier in the thread. The income limits have nothing to do with whether or not your employer offers a 401k. edit: Oops, it looks like there are tighter income limits if your employer offers a retirement plan. I'd assume that a pension...
by SSSS
Fri Feb 07, 2014 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Why so many Roth IRAs?
Replies: 44
Views: 4436

Re: Why so many Roth IRAs?

This leaves me with a question... am I also prohibited from using a traditional IRA because of my employer's 401/457? Anyone* can contribute to a traditional IRA, but there are strict income limits in order to be able to deduct those contributions. These are the income limits: Single: <$60,000 for ...
by SSSS
Fri Feb 07, 2014 3:56 pm
 
Forum: Investing - Theory, News & General
Topic: Why so many Roth IRAs?
Replies: 44
Views: 4436

Re: foreign transaction fees Amazon.ca ?

Update to my previous post -- I went back and checked my credit card statement for my amazon.co.uk purchases, and even though it did mention "amazon.co.uk" in the description, it listed the merchant address as Amazon's headquarters in Seattle, WA. So basically as long as you use the curren...
by SSSS
Mon Sep 09, 2013 6:01 pm
 
Forum: Personal Consumer Issues
Topic: foreign transaction fees Amazon.ca ?
Replies: 7
Views: 407

Re: foreign transaction fees Amazon.ca ?

I ordered from amazon.co.uk a few times, and when I entered a US billing address, they gave an option of charging in USD, which avoided the credit card company charging a foreign currency conversion fee. Their conversion rate seemed to match the current spot rate at the time, whereas the credit card...
by SSSS
Mon Sep 09, 2013 5:46 pm
 
Forum: Personal Consumer Issues
Topic: foreign transaction fees Amazon.ca ?
Replies: 7
Views: 407

Re: Warning on "free" Morningstar trial

Always assume that if you give someone your credit card number, they will charge something to it. See if your credit card company offers single-use card numbers, and limit it to $1, or use an old pre-paid "gift" credit card with only a small amount left on it. For situations where you've a...
by SSSS
Mon Sep 09, 2013 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Warning on "free" Morningstar trial
Replies: 24
Views: 1719

Re: Alternatives to Yahoo for Throwaway e-mail Account

mailinator.com I use mailinator.com all the time - but it is not privacy-friendly, it is no privacy. The alternate address feature helps a lot. If you log in to mailbox AEFWEVSDF , you'll see an alternate e-mail address m8r-g37kqy@mailinator.com. If you only give out that address instead of AEFWEVS...
by SSSS
Thu Sep 05, 2013 5:36 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 15
Views: 2181

Re: Individual Stocks - Do you own any?

I have some ESPP shares. This is my normal decision-making process when ESPP shares are issued: 1. If the qualifying date is more than a year out, sell all shares immediately. 2. If the qualifying date is only a year out, sell half the shares immediately and sell the other half a year later on the q...
by SSSS
Thu Sep 05, 2013 8:10 am
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks - Do you own any?
Replies: 97
Views: 6523

Re: "Social Security is not an asset"

This thread makes me wonder, are there reverse annuities where you receive a lump sum for promising to sign over your social security for the rest of your life? If not, why not?
by SSSS
Thu Sep 05, 2013 6:57 am
 
Forum: Investing - Theory, News & General
Topic: "Social Security is not an asset"
Replies: 50
Views: 3395

Re: Windows XP users

If an XP user is using Mozilla Firefox I assume that they are not affected by the support stoppage? It's up to the Firefox developers how long they'll support XP. They only dropped support for Windows 2000 last year (along with pre-SP2 versions of Windows XP), when only 0.5% of Firefox users were r...
by SSSS
Thu Aug 29, 2013 10:01 am
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 203
Views: 12879

Re: [Left in bad situation] by Comcast

Phone number portability between carriers is a very complicated subject & from a technical perspective it's considered small miracle if it ever works flawlessly. In general it should not be possible to request porting of a number you don't own, however if the person in question was willing to li...
by SSSS
Tue Aug 20, 2013 2:05 pm
 
Forum: Personal Consumer Issues
Topic: [Left in bad situation] by Comcast
Replies: 19
Views: 2587

Re: When Does the "Long Term" end?

Nothing ever ends.
by SSSS
Tue Aug 13, 2013 11:28 am
 
Forum: Investing - Theory, News & General
Topic: When Does the "Long Term" end?
Replies: 30
Views: 1383

Re: Why should you invest in precious metals?

I don't consider gold and silver part of my investment portfolio. I consider them emergency funds for certain classes of emergency, including emergencies where either the US dollar no longer has value or financial accounts are impossible to access. Also, they are shiny objects you can take out &...
by SSSS
Thu Aug 01, 2013 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: Why should you invest in precious metals?
Replies: 13
Views: 970

Re: Which calculator to use?

Why would you accept 0.07% when online savings accounts pay ten times that?

Also, if you only hold the loan for credit building purposes, why not pay off most of it and then only leave a small amount open on the loan?
by SSSS
Thu Aug 01, 2013 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Which calculator to use?
Replies: 8
Views: 1074

Re: Your take on layaway

livesoft wrote:When school starts and the kids need clothes and you got no money


Why would the kids suddenly need clothing just because school is starting? What (if anything) did they wear during the summer?
by SSSS
Sun Jul 28, 2013 8:38 am
 
Forum: Personal Consumer Issues
Topic: Your take on layaway
Replies: 40
Views: 2182

Re: Why do so many do the opposite of Mr. Bogle suggests?

When was "opposite" redefined to mean "not absolutely identical"?
by SSSS
Mon Jul 15, 2013 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Why do so many do the opposite of Mr. Bogle suggests?
Replies: 76
Views: 5553

Re: deposit check via scan

I've never tried to deposit via ING/CapOne360's website, but their phone app has always worked flawlessly for me.

I recently switched to Ally & their phone app has worked well the one time I've used it. It also has a $10,000 limit, which is higher than ING/CapOne360.
by SSSS
Sun Jul 14, 2013 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: deposit check via scan
Replies: 15
Views: 1587

Re: Overfunding a 401K

I'm curious about this as well.
by SSSS
Thu Jul 11, 2013 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: Overfunding a 401K
Replies: 3
Views: 1054

Re: Wash sale 101

Technically yes, however Vanguard (assuming both accounts are even at Vanguard) won't recognize it as a wash sale and won't report it to the IRS as one, so you'd have to self-report it (and update the basis information on your taxable account so it wouldn't be inaccurate in the future).
by SSSS
Wed Jul 10, 2013 6:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wash sale 101
Replies: 10
Views: 498

Re: Where's the "percent Treasury" in V dividends?

There should have been a brochure included with the tax forms Vanguard sent you. It lists percentages for all Vanguard funds holding treasury securities. If you can't find it, they probably have it on the website somewhere or they could send you another copy.
by SSSS
Wed Jul 10, 2013 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: Where's the "percent Treasury" in V dividends?
Replies: 3
Views: 358

Re: bitcoin bust; bitcoin etf

I have an strong interest in Bitcoin (as a currency, not an investment), but I'm really skeptical about how an ETF would work. Converting USD to BTC or vice versa requires dealing with an exchange. The exchanges are mostly small, unregulated businesses operating in a wide variety of foreign countrie...
by SSSS
Wed Jul 10, 2013 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: bitcoin bust; bitcoin etf
Replies: 52
Views: 5189

Re: Should I switch to Ally checking?

The fact that they have that level of security, plus I have an RSA token with them, is part of the reason I really like Schwab and think they are MILES ahead of Vanguard in security and checking. My beef with Schwab is that (on my accounts, at least) they only allow passwords up to 8 characters, al...
by SSSS
Sat Jun 29, 2013 6:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I switch to Ally checking?
Replies: 15
Views: 2573

Re: "Beggar" at gas station - how would you handle it?

I've heard this is a common scam. Instead of offering money, offer to fill their gas can for them. If they don't seem interested, they're probably lying about the situation.
by SSSS
Tue Jun 25, 2013 6:07 pm
 
Forum: Personal Consumer Issues
Topic: "Beggar" at gas station - how would you handle it?
Replies: 73
Views: 4458

Re: Lumpsum investing versus DCF

DCA should not be confused with periodic investing (it often is). Periodic investing is a very good thing. That is when you invest by payroll deductions, as perhaps in a 401k. That is a sequence of LS investments. You are investing the entire payroll amount as soon as it is available. DCA means you...
by SSSS
Tue Jun 25, 2013 12:31 pm
 
Forum: Investing - Theory, News & General
Topic: Lumpsum investing versus DCA
Replies: 194
Views: 3802

Re: Lumpsum investing versus DCF

I am convinced about Lumpsum better than DCF. My question is - should I be applying the same principle to my 401k and IRA (i.e. do the maximum contribution as soon as possible)? For IRA I start the ball rolling on January 1st (which is a holiday, yes, but generally you can still put requests in). F...
by SSSS
Tue Jun 25, 2013 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Lumpsum investing versus DCA
Replies: 194
Views: 3802

Re: Thoughts on lump sum investing?

Frengo wrote:But since off the gate you don't know who you'll turn out to be, find solace in the simple, indisputable, fact that with DCA you will never be as bad as the worst lump-sum investors.


Do you have any evidence to back that up?
by SSSS
Mon Jun 24, 2013 6:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on lump sum investing?
Replies: 70
Views: 2349

Re: Thoughts on lump sum investing?

DCA doesn't make sense to me. Okay, you're afraid of a 50% market crash the day after your lump sum investment -- that's fair. So you faithfully DCA over the course of 2 years, the market is essentially flat over that period... and then the day after your last DCA investment, there's a 50% market cr...
by SSSS
Mon Jun 24, 2013 6:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on lump sum investing?
Replies: 70
Views: 2349

Re: Backdoor Roth - unsure of income

Just backdoor it, even if you don't think you'll be above the income limit. It's an extremely minimal amount of extra work, and if you unexpectedly wind up above the income limit, you'll be glad you won't have to go through a multi-step process to sort it out.
by SSSS
Mon Jun 24, 2013 4:31 pm
 
Forum: Investing - Theory, News & General
Topic: Backdoor Roth - unsure of income
Replies: 4
Views: 376

The Onion: "Price Of Money Skyrockets To $90 A Dollar"

http://www.youtube.com/watch?v=kaoejgnFFP8

After fluctuating wildly this morning between $1 and $35, the price of money spiked to an unprecedented $90 a dollar in afternoon trading, plunging international financial markets into chaos.


Did anyone not see this coming?
by SSSS
Mon Jun 24, 2013 4:28 pm
 
Forum: Investing - Theory, News & General
Topic: The Onion: "Price Of Money Skyrockets To $90 A Dollar"
Replies: 14
Views: 2213

Re: Best way to send a fax from a computer

Faxes are totally secure. Just ask this guy; he'll tell you.

Image
by SSSS
Mon Jun 17, 2013 9:28 am
 
Forum: Personal Consumer Issues
Topic: Best way to send a fax from a computer
Replies: 35
Views: 2738

Re: Bitcoins as investment

Bitcoin is a digital currency/commodity, not an investment. Bitcoin was never intended to be an investment. Speculators and misguided "investors" are destabilizing the value and slowing the adoption of Bitcoin as a currency. If you do not intend to use Bitcoin as a medium of exchange for g...
by SSSS
Tue Jun 11, 2013 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 190
Views: 10549

Re: New Printer Needed

I was surprised at how cheap b/w laser printers are. I don't print much so I'm not sure a laser is right for me. Laser is great for infrequent printing, as the toner never dries up from non-use like ink cartridges do. If you don't print a lot, the starter cartridge may last you several years, and a...
by SSSS
Mon Jun 10, 2013 7:10 pm
 
Forum: Personal Consumer Issues
Topic: New Printer Needed
Replies: 64
Views: 4879

Re: Lets get rid of car dealerships

I don't see why we can't just move to an Amazon.com opt for selling cars, which would allow deep discount pricing. There would still be physical lots where "Amazon" buyers could go to get "hands on" with vehicles, staffed by a cadre of drones whose only function is to show you t...
by SSSS
Mon Jun 10, 2013 1:37 pm
 
Forum: Personal Consumer Issues
Topic: Lets get rid of car dealerships
Replies: 58
Views: 4485

Re: New Printer Needed

I just bought this printer and now realize I should have gotten some kind of wireless set up. Is there any kind of device I can add to revert to using this as a wireless printer? (maybe this is a stupid question...lol) Does it have an Ethernet port? If so, you should have several options. The print...
by SSSS
Mon Jun 10, 2013 11:24 am
 
Forum: Personal Consumer Issues
Topic: New Printer Needed
Replies: 64
Views: 4879

Re: Individual Stocks VS Mutual Funds/ETF

1. Their expected return is higher because we don't have to pay any annual fee for holding them. I think you're not considering bid/ask spreads and other additional up-front costs with the individual stocks. 2. Their expected return is higher because we receive the dividends exactly when the compan...
by SSSS
Fri Jun 07, 2013 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Individual Stocks VS Mutual Funds/ETF
Replies: 49
Views: 1880

Re: Squirrel Proofing a Bird Feeder

One thing I haven't seen mentioned: hot sauce (or any sort of very spicy sauce or powder) is supposed to work well. Birds can't taste it, but mammals can.
by SSSS
Fri Jun 07, 2013 2:29 pm
 
Forum: Personal Consumer Issues
Topic: Squirrel Proofing a Bird Feeder
Replies: 36
Views: 2795

Re: Squirrel Proofing a Bird Feeder

Here's an alternate idea -- put a squirrel feeder at ground level, so it's easier to access than the bird feeder.

http://www.amazon.com/Accoutrements-Big ... 008C0OBCI/
by SSSS
Thu Jun 06, 2013 10:08 am
 
Forum: Personal Consumer Issues
Topic: Squirrel Proofing a Bird Feeder
Replies: 36
Views: 2795

Re: Dave Ramsey's 7 required types of Insurance

From what I understand regarding Renter's Insurance , it's not so much to cover your own personal belongings in case of theft, but more so to protect you from litigation if it's proved that YOUR apartment/room/house was the cause of disaster such as a fire. Say you're in a large complex, and a fire...
by SSSS
Tue Jun 04, 2013 3:49 pm
 
Forum: Personal Consumer Issues
Topic: Dave Ramsey's 7 required types of Insurance
Replies: 41
Views: 3708

Re: uh oh...homes becoming bank accounts again

promising investment opportunity


Did anyone else become mildly nauseous when reading that?
by SSSS
Fri May 31, 2013 11:05 am
 
Forum: Investing - Theory, News & General
Topic: uh oh...homes becoming bank accounts again
Replies: 25
Views: 2700

Re: Adult "child" moved back home - avoiding failure to laun

drewswan wrote:A landlord confiscating a renter's possessions may find the police asking questions.


This is a good point. Now that your child is above 18, you can't legally do anything to them that you couldn't do to any other renter.
by SSSS
Thu May 30, 2013 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Adult "child" moved back home - avoiding failure to launch
Replies: 196
Views: 12459

Re: Bankrates 2013 survey of high yield rewards checking

I'm planning on dumping Rewards Checking in the near future. These things don't last long. Over the course of about a year, mine went from 5% on $25,000 (with 1% above) to 3% on $15,000 (with 0.25% above). If you open one of these accounts, expect the terms to change for the worse every few months. ...
by SSSS
Thu May 30, 2013 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Bankrates 2013 survey of high yield rewards checking
Replies: 6
Views: 597

Re: annual charity = high expense ratio drag?

I'd say that that the principle should be the same in both cases: If you don't feel that an advisor is providing $X worth of value, you shouldn't deal with that advisor. If you don't feel that a charity is providing $X worth of value (which could take the form of personal satisfaction, making the wo...
by SSSS
Tue May 28, 2013 9:07 am
 
Forum: Investing - Theory, News & General
Topic: annual charity = high expense ratio drag?
Replies: 14
Views: 922

Re: New Printer Needed

I gave up on inkjet printers years ago. They are just terrible and disgusting. Unless you do a lot of photo printing, I would recommend a blank & white laser. There are affordable black & white lasers marketed to home use, with prices comparable to color inkjets, with long-term costs being m...
by SSSS
Sun May 26, 2013 11:46 am
 
Forum: Personal Consumer Issues
Topic: New Printer Needed
Replies: 64
Views: 4879

Re: The Lending Club?

But how is the seller able to cancel the sale if you bought the note from him or her already? And isn't Lender's Club aware of this fraudulent leak in the system? Purchases of notes take a certain amount of time to fully process, and if the note receives a payment during that time, Lending Club aut...
by SSSS
Fri May 17, 2013 11:52 am
 
Forum: Investing - Theory, News & General
Topic: The Lending Club?
Replies: 6
Views: 742

Re: The Lending Club?

I will post this warning in every Lending Club thread: absolutely do not use Lending Club if you live in a state where you're not allowed to purchase new-issue notes . Residents in many states are restricted to using the note-trading platform only. Don't do it, for many reasons (see previous threads...
by SSSS
Fri May 17, 2013 6:49 am
 
Forum: Investing - Theory, News & General
Topic: The Lending Club?
Replies: 6
Views: 742

Re: Vanguard Should Have Passive Funds, Without Indexes

Wouldn't that be the same thing as a quant fund? http://en.wikipedia.org/wiki/Quantitative_fund Vanguard has them. They closed some of them in 2011: http://www.marketwatch.com/story/vanguards-fund-closures-teach-a-valuable-lesson-2011-03-06 Structured Large-Cap Growth has an average annualized retur...
by SSSS
Fri May 17, 2013 6:28 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Should Have Passive Funds, Without Indexes
Replies: 13
Views: 1297
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