Search found 942 matches

Return to advanced search

Re: Does Vanguard offer money wire option toward a title com

The portion in taxable account would need to lose roughly 77% of its value (those are indexed stock funds) for us to not have sufficient funds for 20% downpayment on any reasonable houses around here. I hope for the sake of our economy and everyone in it we don't see that happen. ;) Considering the...
by cflannagan
Wed Jun 25, 2014 11:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard offer money wire option toward a title company
Replies: 17
Views: 952

Re: Does Vanguard offer money wire option toward a title com

Depending on exactly what assets, you might want to begin selling right now so you're not faced with selling into a crash. The reps will handle the transfer for you and double check everything. You can also give the a call in advance to confirm all the steps. I did. The portion in taxable account w...
by cflannagan
Wed Jun 25, 2014 7:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard offer money wire option toward a title company
Replies: 17
Views: 952

Re: Does Vanguard offer money wire option toward a title com

Here's a tip: call and ask. At least you are asking on a weekday when they are open. Usually these questions come in on the Friday night of a holiday weekend. :) Here is another tip: settlement date. Make sure all your sales are completed and settled and the money is sitting in your sweep account. ...
by cflannagan
Wed Jun 25, 2014 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard offer money wire option toward a title company
Replies: 17
Views: 952

Does Vanguard offer money wire option toward a title company

Trying to get all ducks in a row early in the game. Proceeds form our taxable account (Vanguard brokerage account) will be used as a down payment for a house (that we have yet to find). None of the shares are in mutual funds, only ETFs (if that make a difference). Does Vanguard have option available...
by cflannagan
Wed Jun 25, 2014 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does Vanguard offer money wire option toward a title company
Replies: 17
Views: 952

Re: What age did you reach 100K networth?

A lot of 20's.

Did they all account for mortgages, student loans, auto loans, etc when calculating net worth?
by cflannagan
Fri Mar 28, 2014 2:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 34691

Re: (Lack of) Emergency Fund - Are We Crazy?

Definitely not crazy. We have not had emergency fund for years, and had a couple of emergencies arise and we still covered those with no issues. This is because we have several ways to handle emergencies: If the amount is sufficiently small (like a couple thousand or so), we just put it on CC, which...
by cflannagan
Fri Mar 28, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: (Lack of) Emergency Fund - Are We Crazy?
Replies: 44
Views: 3651

Re: IRS letter claiming return is late - anyone experience t

$20 each day? Wow, that's pretty stiff.
by cflannagan
Thu Mar 27, 2014 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: IRS letter claiming return is late - anyone experience this?
Replies: 48
Views: 6221

Re: Looking for new account suggestions for rental income

Separate account at wherever your other accounts are is probably most convenient (for ease of transporting money back and forth which may be required). Also depends somewhat on whether rent checks are coming directly to you (and then you pay PM) or if they are collected by PM (who then pays you). I...
by cflannagan
Wed Mar 26, 2014 2:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for new account suggestions for rental income
Replies: 5
Views: 268

Looking for new account suggestions for rental income

Converting our primary residence into rental income property this summer, and since we will be out of state, we opted to use property manager (so they get 10% of the rent). I'd like to open new account solely for collecting rental income and paying the mortgage on the rental property for easier reco...
by cflannagan
Wed Mar 26, 2014 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for new account suggestions for rental income
Replies: 5
Views: 268

Confessions of the worst investor ever

http://money.cnn.com/2014/01/28/investing/worst-investor-ever/index.html?iid=HP_LN I was thinking as I read the article "Please just invest into index funds, read Bogleheads, etc", and smiled once I reached the last paragraph, it says exactly that: this investor cannot go wrong with invest...
by cflannagan
Tue Jan 28, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Confessions of the worst investor ever
Replies: 4
Views: 1400

Re: Do Bogleheads see this market dip as a buying point?

Today is just a blip in the grand scheme of things for me. Even if it was an up day.

I practice that mentality when adding money into my asset allocation. Which days it happens will not matter to me.
by cflannagan
Mon Jan 27, 2014 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads see this market dip as a buying point?
Replies: 127
Views: 13877

Re: Reducing my 2013 tax liability

The phase out (for TY2013) for traditional IRA deduction, for single filers, begins at $59,000, and is completely phased out at $69,000. So even if your AGI is over $59,000, if your AGI is lesser than $69,000, then you will be able to make partial deduction for IRA contribution. Other than that, I c...
by cflannagan
Mon Jan 27, 2014 3:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reducing my 2013 tax liability
Replies: 7
Views: 923

Re: New job/health plan a month after coverage ends, pay COB

Bacchus01 wrote:For your FSA claim in January, they definitely should not cover that. You were not covered at the time.


Yup, I'm not counting on it either. If they don't, at least I gave it a try.
by cflannagan
Fri Jan 24, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: New job/health plan a month after coverage ends, pay COBRA?
Replies: 11
Views: 631

Re: Is TurboTax bugged, or am I? [Qualified dividends]

Thanks, that's it. I looked at sample 1099-DIVs on web, and indeed, there would be an amount in "Ordinary Dividends" box, even if they're qualified dividends, which makes the refund amount behave more in the way I expected.
by cflannagan
Thu Jan 23, 2014 11:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is TurboTax bugged, or am I? [Qualified dividends]
Replies: 3
Views: 649

Is TurboTax bugged, or am I? [Qualified dividends]

New TurboTax 2013 update came in tonight, and I just happened to be playing with qualified dividends ("what if" scenario kind of question), and it doesn't seem right at all. If I put in $5,000 for qualified dividends, my refund goes up? The more I put into qualified dividends, the more ref...
by cflannagan
Thu Jan 23, 2014 11:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is TurboTax bugged, or am I? [Qualified dividends]
Replies: 3
Views: 649

Re: New job/health plan a month after coverage ends, pay COB

I discussed this question with the HR guy (at my new job) earlier today and he confirms what others said in this thread - no reason to pay COBRA now, wait until February 1 (or earlier) to see if I need to pay $1,500 COBRA (so far, I will save $1,000 by not paying for it). I also called Ameriflex tod...
by cflannagan
Thu Jan 23, 2014 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: New job/health plan a month after coverage ends, pay COBRA?
Replies: 11
Views: 631

New job/health plan a month after coverage ends, pay COBRA?

Can someone who is knowledgeable with COBRAs in general chime in? I was recently laid off, and my health plan coverage ended on 12/31/2012. I am hired through another company, my start date is January 31 (going with their recommendation, that way all my benefits begin on February 1 including the new...
by cflannagan
Thu Jan 23, 2014 12:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: New job/health plan a month after coverage ends, pay COBRA?
Replies: 11
Views: 631

Re: Google Chrome showing "not secure" Notifications

Mac OSX, Chrome - No problem logging in to Vanguard - showing green lock icon ("properly identified").
by cflannagan
Tue Nov 05, 2013 12:01 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome showing "not secure" Notifications
Replies: 4
Views: 455

Re: FSA gains $500 rollover feature

I agree. It's a big nothing. With that kind of attitude we wouldn't be Bogleheads. It's our attention to details that enables us to live our lives in a Boglehead-like way. Last year, we had therapy sessions for one of my kids, and I had the whole year budgeted perfectly via FSA. The only problem is...
by cflannagan
Fri Nov 01, 2013 11:34 am
 
Forum: Personal Finance (Not Investing)
Topic: FSA gains $500 rollover feature
Replies: 30
Views: 2312

Re: Vanguard Target 2060 Fund for car????

For 4 years horizon I would look into interest-bearing saving/checking accounts, and CDs.
by cflannagan
Tue Oct 22, 2013 11:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target 2060 Fund for car????
Replies: 13
Views: 909

Re: Shouldn't we all be 50/50

We all have varying degrees of the need for safety. Right now I'm 70/30 stocks/bonds.
by cflannagan
Thu Oct 17, 2013 10:52 am
 
Forum: Investing - Theory, News & General
Topic: Shouldn't we all be 50/50
Replies: 44
Views: 3152

Re: Software engineering jobs not paying that much?

Worked as software engineer for over 9 years. I do think there is somewhat of a downward pressure on software engineer's salaries in the US due to outsourcing, but I think companies are finally wisening up and realizing that outsourcing is not necessarily a good solution in many cases. I earn above ...
by cflannagan
Thu Oct 17, 2013 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Software engineering jobs not paying that much?
Replies: 25
Views: 3219

Re: Suze Orman on NBC Nightly News

Ask yourself the question, what qualifies Suze Orman to give advice on bond funds? If she wasn't "qualified," why would they have her on NBC Nightly News? I hope that wasn't a serious question. That's like saying anyone who talks on CBNC or any "investing" TV channels are qualif...
by cflannagan
Tue Oct 15, 2013 10:09 am
 
Forum: Investing - Theory, News & General
Topic: Suze Orman on NBC Nightly News [doesn't like bond funds]
Replies: 46
Views: 7360

Re: gixen ebay sniping mirror service

having deja vu.. wasn't there a thread exactly like this a couple/few months ago? edit, found it.. http://www.bogleheads.org/forum/viewtopic.php?f=11&t=116201&newpost=1693980 Thanks. Based on bertilak's comments in that thread, I do think he is somewhat confused about how eBay bidding works...
by cflannagan
Thu Oct 10, 2013 3:58 pm
 
Forum: Personal Consumer Issues
Topic: gixen ebay sniping mirror service
Replies: 26
Views: 1597

Re: Government Shutdown/Default [effect on investments]

Looks like the trouble is over and all will be well. Went long 500 shares of SPY today. Going to pop to $172 when the deal is done. The trouble isn't over. In fact, I think at this point they're still talking about a possible debt ceiling deal, and not passing it just yet (hopefully they will). And...
by cflannagan
Thu Oct 10, 2013 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28292

Re: What would a boglehead consider a "good" return?

Enough to meet goals. 7 percent nominal over next 13 years should get me there. Anything higher is icing on the cake. In about the same ballpark as this. I'll be evaluating on annual basis, to see how closer I am to retiring early (still more than a decade away, probably.. I'm only 42 now), and mak...
by cflannagan
Thu Oct 10, 2013 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: What would a boglehead consider a "good" return?
Replies: 52
Views: 3533

Re: dishwasher vs manual dish washing

pablolo wrote:Hi . Other than convenience, does using a dishwasher use less water than doing dishes by hand?


By a lot I'm sure.

But for some of us, time equals money, we find it "cheaper" (in terms of time-and-money kind of relationship) to go with dishwasher.
by cflannagan
Thu Oct 10, 2013 3:41 pm
 
Forum: Personal Consumer Issues
Topic: dishwasher vs manual dish washing
Replies: 54
Views: 4542

Re: gixen ebay sniping mirror service

How in the world does sniping service server stop people from sniping manually? A "war" to me would mean multiple bids per person. If you are using a service, then you are entering one bid and accepting the outcome. How is that different than manually placing my maximum bid amount (the mo...
by cflannagan
Thu Oct 10, 2013 3:01 pm
 
Forum: Personal Consumer Issues
Topic: gixen ebay sniping mirror service
Replies: 26
Views: 1597

Re: gixen ebay sniping mirror service

I don't buy a lot on ebay anymore, but I do still find a lot of value in sniping services. It prevents someone from chipping away at your bid. Thus why I advocate putting in a single maximum bid a few seconds before auction ends, as mentioned earlier. The only time I've seen a sniping war is when p...
by cflannagan
Thu Oct 10, 2013 2:49 pm
 
Forum: Personal Consumer Issues
Topic: gixen ebay sniping mirror service
Replies: 26
Views: 1597

Re: gixen ebay sniping mirror service

Those thoughts have been beat to death in earlier threads. Search and read. I have contributed to at least one of those threads with specific rebuttals to most of what you say. I think it boils down to the ideas of a) giving away information (showing your hand) and b) encouraging (or not) bidding w...
by cflannagan
Thu Oct 10, 2013 2:35 pm
 
Forum: Personal Consumer Issues
Topic: gixen ebay sniping mirror service
Replies: 26
Views: 1597

Re: gixen ebay sniping mirror service

Why would anyone even pay for a sniping service when you can do it for free? As far as I know it can't be done for free. Unless of course, there is this valid reason that one couldn't be there at the time the auction ends when the sniping is to occur. Ah! I see what you are saying, but doing it you...
by cflannagan
Thu Oct 10, 2013 2:14 pm
 
Forum: Personal Consumer Issues
Topic: gixen ebay sniping mirror service
Replies: 26
Views: 1597

Re: gixen ebay sniping mirror service

Why would anyone even pay for a sniping service when you can do it for free? Unless of course, there is this valid reason that one couldn't be there at the time the auction ends when the sniping is to occur.
by cflannagan
Thu Oct 10, 2013 1:46 pm
 
Forum: Personal Consumer Issues
Topic: gixen ebay sniping mirror service
Replies: 26
Views: 1597

Re: Programming Linux

I'll pitch in a suggestion: Ruby on Rails. This is what our software dev shop uses around here, for web-based applications.
by cflannagan
Thu Oct 10, 2013 12:19 pm
 
Forum: Personal Consumer Issues
Topic: Programming Linux
Replies: 23
Views: 1537

Re: What influence does China have with US debt?

I would not worry too much about it. Bill Gates could tank MicroSoft stock by selling his shares cheap, but doing so would not be in his best interest, so he would not do it. As show in the chart in an earlier post, China is not the largest holder of debt, and not even the larest foreign holder of ...
by cflannagan
Wed Oct 09, 2013 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: What influence does China have with US debt?
Replies: 6
Views: 476

Re: Question about Affordable Care Act Website

If I try my best to compare apples to apples in terms of deductibles and copays, the plan that most closely matches my current policy costs 67 percent more than I'm now paying, which would mean a five thousand dollar increase in my annual insurance premium. The health insurance market is quite comp...
by cflannagan
Wed Oct 09, 2013 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Personal info] Question about Affordable Care Act Website
Replies: 33
Views: 2012

Re: Government Shutdown/Default [effect on investments]

Maybe. Try this thought experiment. If you have a 50/50 AA and the equity market tanks by 50% you only need ~$13k in dry powder to rebalance back to your 50/50 for a $100k portfolio. Since bond prices are going to drop in a default also you need that $13k in cash (T-bills maybe?) So taking your ide...
by cflannagan
Wed Oct 09, 2013 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28292

Re: Government Shutdown/Default [effect on investments]

So what does it take to reach default as opposed to default? How do we know we're facing default rather than default ? Fancy fonts? Look, let's say to go to your lender for a HELOC and when they run a credit check they see that you haven't paid your credit card bill for six months. Try saying "...
by cflannagan
Tue Oct 08, 2013 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28292

Re: Government Shutdown/Default [effect on investments]

There is default, then there is default . Default is like what happened in 1979; that is some procedural issues prevented payment according to terms because of political brinkmanship. Nobody got gored much as a result. Default is when you get forced writedowns of your principal because the issuer c...
by cflannagan
Tue Oct 08, 2013 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28292

Re: Government Shutdown/Default [effect on investments]

If the system crashes, we might eventually be using cowries and wampum, but by that time, you and I will have been wiped out. That's the point. This isn't a case of mathematics. It's a matter of emotions. Capitalism is ultimately about faith, trust, confidence, and belief in the "proxy." ...
by cflannagan
Tue Oct 08, 2013 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28292

Why would Vanguard disable security questions?

Maybe someone here can explain to me the reasoning behind Vanguard's policy for disabling security questions in situations like this: We've disabled your access to certain areas of Vanguard.com because your security questions were answered incorrectly multiple times on . It's possible another user m...
by cflannagan
Mon Oct 07, 2013 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why would Vanguard disable security questions?
Replies: 2
Views: 585

Re: Has the small cap premium disappeared?

@Ketawa: My first post on this thread made this point: as a barefoot empiricist, not a theorist, I have observed a larger annual return almost every year from investing in VEMSX (extended market index) than in VINIX (SP500 index). You can chart this yourself. The volatility is less important to me ...
by cflannagan
Mon Oct 07, 2013 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Has the small cap premium disappeared?
Replies: 31
Views: 2604

Re: Government Shutdown/Default [effect on investments]

What I am eyeing is LEAPS in VWO if it falls back to the $36 range during the brief default. $50,000 in LEAPS in VWO would likely return $150,000 in profit during 2014. It is a decent gamble anyway. (in an IRA...no way am I wanting to pay the extra ACA tax :D ) ... not sure if serious. Maybe...not ...
by cflannagan
Mon Oct 07, 2013 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28292

Re: Newbie: need help. (Low income)

Edit: unsure of mortgage rate. Taking over mortgage from my Dad who just passed and am just making payments so I don't have all the paperwork yet. I'm sure it's a decent rate though b/c he always had very good credit Mortgage rate is also dependent on timing of when you got the loan (or refinanced)...
by cflannagan
Mon Oct 07, 2013 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Newbie: need help. (Low income)
Replies: 12
Views: 946

Re: Government Shutdown/Default [effect on investments]

nedsaid: Re: the platinum coin concept, I looked that up (first I've hard of it, good education for me!) I think that one is probably out of the window as well. See: http://www.washingtonpost.com/blogs/wonkblog/wp/2013/01/12/treasury-we-wont-mint-a-platinum-coin-to-sidestep-the-debt-ceiling/ http://...
by cflannagan
Mon Oct 07, 2013 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28292

Re: Government Shutdown/Default [effect on investments]

nedsaid wrote: No, I am not confused.


Yes you are. There's no more "magic tricks" to keep repaying the debt when few weeks come around. As said previously, we hit the debt limit already in May.
by cflannagan
Mon Oct 07, 2013 7:33 am
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28292

Re: Government Shutdown/Default [effect on investments]

... Social Security itself owns over a Trillion in treasuries. These can be sold to keep the government running. That alone should last us about a year and a half. When Congress raises the debt limit, Social Security and other Government agencies that sold treasuries will just buy them back. It wil...
by cflannagan
Sun Oct 06, 2013 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28292

Re: Government Shutdown/Default [effect on investments]

Recent CNN Headlines seem to indicate we are headed for default unless "they" get some concessions. The shutdown hasn't been causing fear in me so far, but now the recent threats of bringing government to default on debt is truly worrying to hear. I've been told (by the media) that default...
by cflannagan
Sun Oct 06, 2013 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: Government Shutdown/Default [effect on investments]
Replies: 454
Views: 28292

Re: Best tax software for wash sale losses on stocks

I had a wash sale last year at Vanguard. Turbo Tax handled it just fine. Nothing special. This. I am confused as to how modern tax software could possible even "mishandle" wash sales. You'd think oogles of people would report this, there'd be articles warning tax software users about mish...
by cflannagan
Fri Oct 04, 2013 9:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best tax software for wash sale losses on stocks
Replies: 9
Views: 745

Re: Asset allocation vs Net worth. The boglehead money illus

Not an illusion for me. I measure my progress both by overall AA value and also net worth. Not sure if this is part of overall Boglehead philosophy, but for myself, net worth is more important, and AA is only part of that picture. Net worth has to be increasing over period of time (I like to evaluat...
by cflannagan
Fri Oct 04, 2013 7:45 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation vs Net worth. The boglehead money illusion?
Replies: 28
Views: 4065

Re: Help me understand this employee stock option plan

You should not buy the 25% as soon as they vest and hold. What happens if the share price drops below your purchase price? You lose money. At what price would I be "buying" those shares at when I exercise the option? The vested shares don't come to me free when I exercise? I'm trying to u...
by cflannagan
Fri Oct 04, 2013 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Help me understand this employee stock option plan
Replies: 5
Views: 466
Next

Return to advanced search