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Re: Do Super wealthy have access to different investing vehi

Yes, we do. I like short peasant futures.
by SteelyEyed
Tue Aug 19, 2014 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Do Super wealthy have access to different investing vehicles
Replies: 76
Views: 6260

Re: Vanguard eliminates fee on FTSE All-World ex-US Small-Ca

Perhaps I was not paying enough attention to VSS, but as I look at the VG page today, the premium to NAV is about 0.41%. I thought that it would go away after the fee elimination. What did I miss? Any thoughts?
by SteelyEyed
Sat Aug 16, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5151

Re: How to ensure military members don't get ripped off

If there are knowledgeable people on base, they are not vocal. In my experience, financial savvy was horribly lacking among military personnel. Most probably didn't even know that the TSP existed. The officers tended to know more, but not much more, than the enlisted. They prey on their own as well....
by SteelyEyed
Tue Aug 12, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: How to ensure military members don't get ripped off
Replies: 71
Views: 4235

Re: HSA Strategy for high income earners

Keep in mind an additional HSA benefit is that you pay no payroll taxes on it. This is just a marginal benefit (1.45 % medicare tax) for those above the social security tax limit. But that makes it better than any ira or 401k on which payroll taxes must be paid. That's why the HSA is in my wife's n...
by SteelyEyed
Wed Aug 06, 2014 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Strategy for high income earners
Replies: 79
Views: 5547

Re: 401(k) contributions

By the way, even if the maximum % contribution on your employer's 401(k) plan is limited to, say, 70%, you should still be able to contribute 100%. You may not want to contribute 100% though. You need to leave enough to pay for any insurance premia. Oh, and FICA...don't think that Social Security a...
by SteelyEyed
Mon Jul 28, 2014 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) contributions
Replies: 11
Views: 734

Re: fidelity bond fund vs vanguard bond fund

genjix wrote:Thanks. But beside ER di they pretty much follow the same index?


Looking at the Fidelity and Vanguard websites, they both track Barclays US Aggregate Bond indexes. Vanguard tracks the Float-Adjusted version of the index. I do not see mention of
"Float-Adjusted" on the Fidelity site.
by SteelyEyed
Thu Jul 24, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: fidelity bond fund vs vanguard bond fund
Replies: 6
Views: 724

Re: VMMXX: Finally Pulled the Trigger

I thought lots of bogleheads don't like to reinvest dividends; instead they send the dividends to Prime Money Market. What is happening to all your dividends? Are you sending them to Balanced Index Fund Admiral? P.S. I am a dinosaur. I have Prime and I reinvest dividends. VMMXX? I use VMSXX (tax-ex...
by SteelyEyed
Tue Jul 22, 2014 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: VMMXX: Finally Pulled the Trigger
Replies: 20
Views: 2702

Re: Vanguard - How America Saves 2014

Is there a roughly comparable document from any other of the big institutions, like Fidelity? It would be interesting to see if the findings are generally the same, such as 4 of 10 offer after-tax contributions, etc.
by SteelyEyed
Tue Jul 01, 2014 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard - How America Saves 2014
Replies: 16
Views: 3370

Re: Anyone switch to non-branch banking?

I didn't switch, because I have effectively (okay, I had a savings account as a child, at my parents' bank) never used branch (B&M) banking. When I needed a checking account, 15 years ago, I opened one online. I've never needed to go to a branch to do something. I've never needed a large amount ...
by SteelyEyed
Mon Jun 23, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 54
Views: 4389

Re: European Central Bank short term interest now -0.10%

[Mr. Draghi] said the central bank may now have exhausted the potential for rate cuts to stimulate growth and inflation. "For all practical purposes, we have reached the lower bound," he said.


Why is that? How about -0.5% or -1%?
by SteelyEyed
Thu Jun 05, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: European Central Bank short term interest now -0.10%
Replies: 12
Views: 1139

Re: What would you do with 1million

IMD801 wrote:So very tempted to quote Office Space.


lol. Somebody else asked the same question once. I replied with what I believe is the same quote. A moderator deleted it. :D
by SteelyEyed
Wed Jun 04, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1million
Replies: 17
Views: 2006

Re: How do you make your money?

I use high-quality paper and ink in an expensive scanner/printer.
by SteelyEyed
Fri May 23, 2014 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you make your money?
Replies: 97
Views: 13092

Re: Fidelity Brokerage Link

We just switched over to this as well. The fund selection in our plan is pretty weak, with VG Total Bond and VG S&P500 as the only index funds outside target retirement funds. I suspect that costs may vary depending on your company's deal with Fidelity, but the Fidelity BrokerageLink costs us $1...
by SteelyEyed
Thu May 22, 2014 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Brokerage Link
Replies: 12
Views: 907

Re: More evidence of the predicted bond apocolypse

How much gold and ammunition do I need to survive the bond apocalypse?
by SteelyEyed
Fri May 16, 2014 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: More evidence of the predicted bond apocalypse
Replies: 38
Views: 4043

Re: gold , silver, copper and uranium only

cowboysFan wrote:How enriched is your uranium? Do you stockpile it at home?


That's not safe, unless you also invest in lead (you could also use steel or hydrogenous fluids, but you'll need greater quantities).

Keep it under 20%, unless you want international inspectors messing with your portfolio.
by SteelyEyed
Tue Apr 15, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 3114

Re: gold , silver, copper and uranium only

My wage income is too closely tied to uranium, so I do not invest in it. It's the high correlation and all -- think working at Enron and investing in Enron at the same time. It's fun stuff though!
by SteelyEyed
Mon Apr 14, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 3114

Re: Mouse/Rat traps

I am always trying to build a better mousetrap.
by SteelyEyed
Tue Mar 11, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 2077

Re: Vanguard files for active fund ETFs

Maybe they will have a FTSE ex-US Small Cap Index w/RBD Management ETF.
by SteelyEyed
Fri Mar 07, 2014 4:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard files for active fund ETFs
Replies: 21
Views: 1645

Re: 17.6 year stock market cycle

I prefer a 17.5 year cycle.
by SteelyEyed
Wed Jan 15, 2014 6:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: 17.6 year stock market cycle
Replies: 38
Views: 2680

Re: Penfed 5% gas cash back card - ending?

My USAA MC is granting a 5% bonus for gas purchases in 2014 so I have designated that as my CC of choice for the year for those purchases. I notice that my DC is also passing out 5% rebates for the first quarter of the year also. I don't use that much gasoline anyway. Say-wha-huh??? :?: I haven't s...
by SteelyEyed
Wed Jan 15, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Penfed 5% gas cash back card - ending?
Replies: 20
Views: 1659

Re: HSA Questions

If you reach the income limit ($117K in 2014) for SS tax, the savings is about $100 (medicare only). Correct? Yes, this is correct. While more SS is deducted early in the year because you aren't contributing to the HSA by payroll deduction, you will reach the limit faster, so your total SS tax will...
by SteelyEyed
Thu Jan 09, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA Questions
Replies: 14
Views: 1485

Re: Vanguard 2013 Year-End Distributions

letsgobobby wrote:If I'm reading it right it looks like 2013 fourth quarter distributions are approximately half of 2012, in VTI, VXUS, VEU, and VOO. Fiscal cliff stuff from last year, per livesoft?


It probably has to do with Vanguard shifting its international funds to a quarterly dividend schedule.
by SteelyEyed
Mon Dec 09, 2013 12:30 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard 2013 Year-End Distributions
Replies: 36
Views: 4602

Fun with HSAs

Well, it's HDHP/HSA question season, so I though that I would add one more to the mix. Another thread had me thinking about arranging HDHPs to use multiple HSAs. For spouses, it was established that as long each person is not covered by the other's plan, and a child was placed on one of the plans, t...
by SteelyEyed
Mon Nov 04, 2013 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fun with HSAs
Replies: 7
Views: 880

Re: HSA extra funding

Deleted by poster.
by SteelyEyed
Mon Nov 04, 2013 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA extra funding
Replies: 9
Views: 780

Re: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)

I'm feeling lazy so will ask - has anyone made or seen a calculator that computes whether you should sell old I-Bonds (held more than 12 mos) that had the 0% fixed to buy new ones at 0.2%? The calculation would need to consider the 3 months forfeited interest as well as the tax hit. If the tax both...
by SteelyEyed
Fri Nov 01, 2013 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: Nov 2013 I Bond Rate - 1.38% (0.20% Fixed)
Replies: 94
Views: 7409

Re: International as a percentage of your [equities]?

What do I know? A lot of it has to do with the dollar vs other currencies. Besides, US companies do business overseas and foreign companies do business here. I'm 50/50. It's less than market cap, but greater than VG's recommendation. I figure it will work out.
by SteelyEyed
Sat Oct 19, 2013 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: International as a percentage of your [equities]?
Replies: 24
Views: 1819

Re: VG funds merging and other related fund news

I just checked the website, and it allowed me to convert from VGXRX to VGRLX (Global ex-US Real Estate). That was quick and easy.
by SteelyEyed
Thu Oct 17, 2013 10:59 am
 
Forum: Investing - Theory, News & General
Topic: VG funds merging and other related fund news
Replies: 69
Views: 6874

Re: VG funds merging and other related fund news

I am happy to see Admiral shares offered for the International REIT Index fund. However I was hoping for the purchase/redemption fee to be removed and the expense ratio to decline as fund assets have now risen to $1.3 billion. Assuming that you were using Investor shares, you will see a decline in ...
by SteelyEyed
Thu Oct 17, 2013 12:20 am
 
Forum: Investing - Theory, News & General
Topic: VG funds merging and other related fund news
Replies: 69
Views: 6874

Re: Anyone has experience with Ally bank?

Besides the interest rates, I like their ACH. You can initiate push and pull transfers from the Ally website. Also, the per transaction/day transfer limits are quite high. With my old bank, I could only move $5,000 per day. At Ally, it is $100k - $200k, depending on the type of transfer, I think. I...
by SteelyEyed
Mon Sep 23, 2013 12:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone has experience with Ally bank?
Replies: 27
Views: 2901

Re: Anyone has experience with Ally bank?

Besides the interest rates, I like their ACH. You can initiate push and pull transfers from the Ally website. Also, the per transaction/day transfer limits are quite high. With my old bank, I could only move $5,000 per day. At Ally, it is $100k - $200k, depending on the type of transfer, I think. I ...
by SteelyEyed
Sun Sep 22, 2013 6:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone has experience with Ally bank?
Replies: 27
Views: 2901

Re: Feeling like one of those 500 point market drop days soo

So, at what point do you decide to tax loss harvest? Is it at a certain percentage loss or a certain dollar amount loss?
by SteelyEyed
Mon Apr 15, 2013 9:37 pm
 
Forum: Investing - Theory, News & General
Topic: Feeling like one of those 500 point market drop days soon
Replies: 31
Views: 4645

Re: best way to sell gold ring

You could make a scary commercial on a cable news channel about how fiscal and monetary policies are destroying the dollar and how gold is the bestest guaranteed hedge/store or value ever. Then sell it to somebody for 120% of its value. Profit!
by SteelyEyed
Thu Apr 04, 2013 2:28 pm
 
Forum: Personal Consumer Issues
Topic: best way to sell gold ring
Replies: 10
Views: 1123

Re: Second Tier Emergency Funds...CDs or I Bonds?

I did consider putting all 60K of emergency funds in Barclays 1% online savings account, but instead I'm probably going to do 40K in Barclays 1% online savings account and 20K in Barclays 5-yr CDs at 1.85% (10K per CD, with 3 month penalty if there is an unplanned event requiring me to liquidate a ...
by SteelyEyed
Thu Mar 14, 2013 5:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Second Tier Emergency Funds...CDs or I Bonds?
Replies: 9
Views: 931

Re: Ally bank rate reduction to 0.84%

Steelyeyed, Just curious how VMLUX fits into your plan (emergency fund, short term savings, etc)? As far as an emergency fund goes, it's hard to beat the convenience of Ally. Hi ivesjl, I've reached the point where I don't technically have an emergency fund in the sense of having cash set aside spe...
by SteelyEyed
Wed Mar 13, 2013 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ally bank rate reduction to 0.84%
Replies: 45
Views: 4826

Re: Ally bank rate reduction to 0.84%

Maybe it's time to move to VMLUX (VG Limited-Term Muni Bond).
by SteelyEyed
Wed Mar 13, 2013 12:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Ally bank rate reduction to 0.84%
Replies: 45
Views: 4826

Re: 529 and ESA which one to tap first?

You may want to check your state's rules on rollovers and deductions. In my state, I can rollover an ESA to a 529 and deduct the full amount from state income.
by SteelyEyed
Tue Mar 05, 2013 11:08 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 and ESA which one to tap first?
Replies: 3
Views: 194

Who Has VFSNX (FTSE ex-US Small Institutional)

In another thread, somebody was looking for an alternative to VSS due to the inability to make recurring purchases. The Investor shares version (VFSVX) was ruled out due to the expenses. As an alternative, I thought that the OP might lobby his/her employer for access to VFSNX. Its ER is one-half tha...
by SteelyEyed
Wed Feb 13, 2013 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who Has VFSNX (FTSE ex-US Small Institutional)
Replies: 0
Views: 213

Re: Mutual Fund Alternatives to VSS (Vanguard Interna Small

Get your employer to offer Institutional shares (VFSNX). The ER is only 0.25% (half of the investor shares' ER). Some employers cover "loads" as well. Maybe you can get them to cover the 0.50% purchase fee. I've had some success in the past affecting our fund lineup. This fund is on my wis...
by SteelyEyed
Wed Feb 13, 2013 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Alternatives to VSS (Vanguard Interna Small Cap)
Replies: 20
Views: 1676

Re: Dollar Bill Smaller in Both Dimensions

I recently noticed that one specific dollar bill dated 2009 in my wallet was shorter than all the rest. The normal specification for a dollar bill is approximately 6.14" x 2.61". After careful measurement of several bills, I found that the bill in question is about 0.10" shorter in w...
by SteelyEyed
Wed Feb 06, 2013 6:42 pm
 
Forum: Personal Consumer Issues
Topic: Dollar Bill Smaller in Both Dimensions
Replies: 20
Views: 2969

Re: "No, there probably isn't a bond bubble"--Neil Irwin

As an example VBMFX 29.7B in 2008, 19.5B in 2009, to 11.8B in 2012. I think that you are only looking at the Investor class net assets. Total Bond Market (Investor/Signal/Institutional/ETF) has $116.7B in net assets. I'm not sure where to get past figures, but that might change whether or not it lo...
by SteelyEyed
Tue Feb 05, 2013 1:46 am
 
Forum: Investing - Theory, News & General
Topic: "No, there probably isn't a bond bubble"--Neil Irwin
Replies: 47
Views: 4634

Re: AMT Avoidance

I am basically a wage earner not doing anything unique or extraordinary to reduce my taxes under the regular system. I do not think I am the person the AMT originally was designed to affect. I think that's true. We get hit hard with AMT because we are blessed with generous salaries and pay pretty s...
by SteelyEyed
Fri Feb 01, 2013 11:15 am
 
Forum: Personal Finance (Not Investing)
Topic: AMT Avoidance
Replies: 12
Views: 1282

Re: vanguard total international and intl value?

Make sure that you want a value tilt. If you do, then just use iShares' EFV. It is not perfect, but it is about as close as you'll get and is easily accessible. If you have access to it, then take a look at DFA's DFIVX. I don't have access to it, so I use EFV.
by SteelyEyed
Thu Jan 31, 2013 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: vanguard total international and intl value?
Replies: 9
Views: 777

Re: New 401(k) "Save the Max" Calculator

Why would anyone care about the percentage ? :confused Not all HR departments allow one to contribute fixed dollar amounts. Mine does not. I have to figure the percentage myself. If you are not salaried, this can be bothersome, especially if your pay fluctuates wildly due to bonuses, overtime, etc.
by SteelyEyed
Fri Jan 25, 2013 5:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) "Save the Max" Calculator
Replies: 27
Views: 2990

Re: Retiree Medical Savings Account (RMSA)

...blatant self-bump since I posted this late at night and it may have been missed.
by SteelyEyed
Thu Jan 17, 2013 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Medical Savings Account (RMSA)
Replies: 4
Views: 1249

Retiree Medical Savings Account (RMSA)

Hello everyone, I have a traditional medical insurance plan through my employer, use the FSA, and there is no HDHP/HSA option. My employer is now offering a Retiree Medical Savings Account (RMSA). There is a $4k/yr contribution limit. After one turns 40, there is a 50% match (I am younger than that ...
by SteelyEyed
Thu Jan 17, 2013 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Medical Savings Account (RMSA)
Replies: 4
Views: 1249

Re: [Coverdell Education Savings Account - Where to Invest?]

MachuPicchu, I believe Charles Schwab offers these accounts. FWIW, I've been looking into opening a Coverdell for my two-year-old. We already have a Vanguard 529 for her college expenses. We want a Coverdell since we are leaning ever more toward private school and 529s cannot be used for those expe...
by SteelyEyed
Mon Jan 14, 2013 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Coverdell Education Savings Account - Where to Invest?]
Replies: 8
Views: 1193

Re: any changes to backdoor ROTH in 2013?

Alright, for all of you out there who like to make lump sum contributions to max out IRAs on the first trading day of the year: given today's gains, are you indulging in a little market timing, and waiting to make your contributions/conversions?
by SteelyEyed
Wed Jan 02, 2013 3:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: any changes to backdoor ROTH in 2013?
Replies: 28
Views: 2999

Re: Has anyone given up on rewards checking?

Can I open accounts (Mango/Unionplus/BBVA) in my name and in my wife's name and fund them from the same source? This could double the benefit. Yes. Thanks, I'll do that. My tax rate is getting higher, so all of this interest will be taxed at 33% (35% depending on AMT, I think). Perhaps the remainde...
by SteelyEyed
Sun Dec 02, 2012 8:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone given up on rewards checking?
Replies: 24
Views: 1981

Re: Has anyone given up on rewards checking?

There are a few more efficient ways to earn extra $250/yr without worrying about using your debit card 10 times per month or tying as much principal. Mango prepaid is one. BBVA savings is another. I'm currently working on a 3rd one. tfb, Can I open accounts (Mango/Unionplus/BBVA) in my name and in ...
by SteelyEyed
Sun Dec 02, 2012 4:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has anyone given up on rewards checking?
Replies: 24
Views: 1981
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