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Re: Should I bite the bullet and sell my mining stocks?

I made a very foolish mistake a year and a half ago. I purchased gold and mining stocks from a company that I trusted. I now know how foolish this was. I have sold (big loss) the gold stocks this year. My thoughts were to hold on to the 2 silver mining stocks until silver goes up again. But I am th...
by inbox788
Wed Oct 29, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and sell my mining stocks?
Replies: 9
Views: 687

Re: 39.6% Tax Bracket :(

I've seen a couple suggestions to do a roth. If you do a roth you are guaranteed to pay your high tax rate where as if you go the traditional route there is a good chance you'd pay less than 39.6% on your withdraws if you are like most people who pull less during their retirement years. Why not jus...
by inbox788
Wed Oct 29, 2014 9:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: 39.6% Tax Bracket :(
Replies: 22
Views: 3944

Re: Finance kids' medical educations with a HELOC?

The goal is to minimize the total interest paid by the whole family. If you had $200,000 in taxable Total Stock Market account, would you sell it all to pay for the educational expenses instead of taking out loans? The rate of the loans and any subsidies may be the significant. The reason I ask the...
by inbox788
Wed Oct 29, 2014 2:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Finance kids' medical educations with a HELOC?
Replies: 23
Views: 1426

Re: Smartphone questions

My experience with iOS 7 is that it's surprisingly low data usage. The built-in control is very useful, allowing cellular data to be turned on/off as needed, and even when on, individual applications can be monitored and controlled. However, there appear to be some usage outside of this that may ne...
by inbox788
Wed Oct 29, 2014 1:41 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 87
Views: 6150

Re: How should we invest if interest rates never go up?

I may be wrong, but I don't think we are the next Japan. I don't worry about the risk. There are other risks I don't bother to worry about or itemize. We are not the next Argentina or the next Greece. It all goes into a big risk bucket of unknown unknowns and the only adjustment is having a large bu...
by inbox788
Wed Oct 29, 2014 11:52 am
 
Forum: Investing - Theory, News & General
Topic: How should we invest if interest rates never go up?
Replies: 17
Views: 1492

Re: Donee Unable to Accept Stock

I discovered the VanguardCharitable.org site earlier today and skimmed through it. The procedures and constraints make me uneasy but It looks likes something I can do if I decide to go that route. ... I also checked the IRS database and see that they do have an EIN and are listed as "PC" ...
by inbox788
Tue Oct 28, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Donee Unable to Accept Stock
Replies: 22
Views: 1881

Re: Done with Honda, not sure what next car should be?

I'm still driving my '93 Honda Civic, 350,000 miles, 42 mpg. Only had to replace the clutch once at 250,000 miles. I'm not sure if the new Honda cars are built like this Civic - if they are, I would buy another Honda. They are not. They're still good cars, but those 90's Civics are over-engineered ...
by inbox788
Tue Oct 28, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6852

Re: Tilted to SV by mistake, should I TLH out of it?

My international holdings are down too, you know what, I've been getting that Warren feeling about being a kid in the candy store, I've been buying more all through the down cycle. If you're bailing after 1 - 2 months, your equity levels are too high for your liking, you need to re-assess your risk...
by inbox788
Tue Oct 28, 2014 12:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tilted to SV by mistake, should I TLH out of it?
Replies: 37
Views: 1645

Re: Smartphone questions

The other issue I had with the new iPhone 6 is increased data usage. I had the lowest amount (250MB) with my carrier and for 2 years never went over because always on WiFi. With the 6 I’ve already been over with settings turned off for cellular data usage I had on with the Android phone with no cha...
by inbox788
Tue Oct 28, 2014 2:36 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 87
Views: 6150

Re: Donee Unable to Accept Stock

I'm planning on doing an appreciated stock donation before then end of the year at fidelity charitable. My understanding is that they transfer the security to the charitable fund and the charitable fund liquidates it, and reallocates it to your fund choices. That's when the exact donation amount is ...
by inbox788
Tue Oct 28, 2014 1:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Donee Unable to Accept Stock
Replies: 22
Views: 1881

Re: Tax repercussions of five separate 529 accounts.

But if a grandparent or two each 'give' OP a few thousand to contribute, and the total exceeds $14,000 doesn't it look to the IRS like OP is contributing it all? It's all about documentation. If the amounts are over $14k, it may be better to have the funds pass directly from giver to 529 account. K...
by inbox788
Tue Oct 28, 2014 12:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Tax repercussions of five separate 529 accounts.
Replies: 9
Views: 842

Re: Bogleheads.org equivalents for other areas of life?

I expected there to be an auto one, a computers one, a pets one, a child-rearing one, etc, etc. Some of these subjects have many more specific groups. For example: Autopia.org for car washing and detailing (for daily drivers and show cars). Need help with an oil change? and much more :mrgreen: http...
by inbox788
Mon Oct 27, 2014 5:28 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads.org equivalents for other areas of life?
Replies: 68
Views: 6349

Re: Done with Honda, not sure what next car should be?

One possibility would be a temporary software change to raise the threshold at which the airbag deployed (this could probably be done relatively quickly) followed by replacing the defective airbags (which requires parts and therefore take time). What a reasonable suggestion. I don't know if it make...
by inbox788
Sun Oct 26, 2014 3:46 am
 
Forum: Personal Consumer Issues
Topic: Done with Honda, not sure what next car should be?
Replies: 77
Views: 6852

Re: Loaning money to invest?

Is the 3% rate fixed or variable? Leveraging fixed mortgage rates are market timing that rates will increase and you will benefit from that. Variable rates will increase and carry interest rate risk. Current margin rates are around 1-2% variable, which are around half your personal rate. I would con...
by inbox788
Fri Oct 24, 2014 4:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Loaning money to invest?
Replies: 13
Views: 1413

Re: Smartphone questions

I guess I should chime in with a plug for Ptel. ... It is their Real Paygo plan, which uses the T-Mobile network, so you need to make sure T-Mobile covers your area well. They charge 5 cents per minute, 2 cents per txt and 10 cents per megabyte of data. Thanks! It might be the solution I was lookin...
by inbox788
Wed Oct 22, 2014 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 87
Views: 6150

Re: Smartphone questions

You're spending a lot on the data plan, so don't be cheap about the phone you buy. Saving a hundred or two on a two year expense of over $1000 is penny wise pound foolish. The total cost of the transaction isn't really relevant. $100-$200 is real money and requiring any product to 'earn' its premiu...
by inbox788
Wed Oct 22, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 87
Views: 6150

Re: IBM: Stock Buybacks Gone Wrong?

That is some list of alternative investments you present for them! I guess they had no choice but to buy IBM stock. Maybe they should have bought Apple stock instead? You mean Apple should buy IBM? IBM market cap $160B Apple cash on hand $160B Companies don't usually buy stock in other companies, e...
by inbox788
Wed Oct 22, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 4059

Re: IBM: Stock Buybacks Gone Wrong?

There is an interesting article in today's NYT (The Truth Hidden BY IBM's Buybacks) about a much discussed and debated topic---Buybacks. The article points out that since 2000 IBM has spent $108 billion on buybacks while investing $59 billion on capital expenditures and $39 billion on acquisitions....
by inbox788
Wed Oct 22, 2014 2:10 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 4059

Re: Smartphone questions

Interesting. I don't know a single person who has switched from Android to Iphone, but I know the other way around. My office used to be about 100% Iphone because our IT only supported integrating our email on IPhone. What is your sample size? You have to be more specific as to what model they're s...
by inbox788
Wed Oct 22, 2014 1:34 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 87
Views: 6150

Re: Bonds in taxable or tax advantaged?

If I am using a 2 Fund Portfolio (VTSMX/VTI & VBMFX/BND), with ETFs for both, and given the relatively low Bond yields, does it really matter which account (taxable vs. tax advantaged) to use for either fund? Thanks What is your tax bracket and what is the dollar volume you are talking about? L...
by inbox788
Tue Oct 21, 2014 8:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable or tax advantaged?
Replies: 9
Views: 868

Re: best method of selling my car

Tax deductions aren't worth much anymore because you can really only take what the charity gets for it usually at autction as the deduction so no more inflated "market value" for junkers. I donated a 2008 Honda Fit last April 30th. The charity to which I donated the car received $7,000 at...
by inbox788
Tue Oct 21, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: best method of selling my car
Replies: 18
Views: 1050

Re: Overpaying student loan

WARNING! Additional payments are often misunderstood and misapplied by lenders. If you don't provide clear and specific instructions, they'll go to wrong accounts. And even when you do, they'll still often make mistakes. Why are you making overpayments? The usual reason is to reduce interest, but th...
by inbox788
Mon Oct 20, 2014 10:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Overpaying student loan
Replies: 31
Views: 2206

Re: Upgrading from Iphone 4s - 5s or 6?

I think it's time for me to upgrade. I have a 4s, and would like one of the newer phones to take advantage of some of the advances (like LTE) featured on the new Iphones. The $100 difference (w/ contract) is not a big deal, I actually prefer the smaller size of the 5s, since I keep my phone in my p...
by inbox788
Mon Oct 20, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Upgrading from Iphone 4s - 5s or 6?
Replies: 29
Views: 2272

Re: What happened to the audiophile?

People may not realize it, but, after all, an Apple iPod with the $29.95 earpods that come with it--and similar grades of equipment--are completely free from 60 cycle hum, hiss, ticks, pops, scratches, surface noise, wow, flutter, and rumble. They are extremely low in distortion. And the frequency ...
by inbox788
Wed Oct 15, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3729

Re: What happened to the audiophile?

Answer: PONO: see below. https://ponomusic.force.com/ Well clearly it's digital music. First it was CDs with digital music. http://electronics.howstuffworks.com/question487.htm http://mentalfloss.com/article/51704/do-records-really-sound-warmer-cds Then came MP3s with compression and eliminating som...
by inbox788
Wed Oct 15, 2014 1:33 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3729

Re: Electric Razors

Lon wrote:I need to get a new one and welcome suggestions. What do you like and why?

My kids love this one:

http://www.razor.com/products/electric-scooters/e100/

They have a lot of fun with it.
by inbox788
Tue Oct 14, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Electric Razors
Replies: 26
Views: 1873

Re: Help me not thinking about getting a brand new car

We are in the market for a car. We are looking into Honda CRV, 2010 or newer, 50,000 miles or less. I have been looking online and have been seeing listings like below: Year – mileage – listing price – kbb private party value 2011 - 16,680 - 16,499 - 16,466 2013 - 36,211 - 18,598 - 17592 2013 - 36,...
by inbox788
Mon Oct 13, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Help me not thinking about getting a brand new car
Replies: 16
Views: 949

Re: convenience vs cost (Vanguard vs NY 529)

Thank inbox788, I'm partial to Vanguard, thus my choices between Nevada & NY's 529. blevine, I have so many online accounts / passwords like you wouldn't believe. Every extra account I need to open is painful for me. So for my personal situation / preference, I'd rather just keep everything at ...
by inbox788
Mon Oct 13, 2014 9:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: convenience vs cost (Vanguard vs NY 529)
Replies: 8
Views: 934

Re: Smartphone plans and MMS

I found with my phone (android) I could not send MMS messages over WiFi with the phone. Had to turn data ON to do it. Not positive about receiving MMS sent to my cellphone number (don't think that worked either over WiFi) but you can receive them over WiFi if they are sent to your email address. Ho...
by inbox788
Mon Oct 13, 2014 8:17 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone plans and MMS
Replies: 11
Views: 831

Re: Do you rebalance now?

Yes, what goes down must come up.
by inbox788
Mon Oct 13, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you rebalance now?
Replies: 17
Views: 1469

Re: How much of your Emergency Fund would you lock up in CDs

1) You won't lose money in a CD. 2) Interest rates and risk/reward are so low in bonds, savings, ibonds, etc. that the maximum gains in the safest investments are very little. Any penalties will also be very little. 3) Emergency funds are generally unlikely to be tapped by most for long periods or e...
by inbox788
Mon Oct 13, 2014 6:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much of your Emergency Fund would you lock up in CDs?
Replies: 37
Views: 2739

Re: POLL : SP500 next : 1900 or 2200?

Under 1900 now. Good deal, now let's turn this baby around and head to 2200--all aboooooooooooard. Yeah! 2200 here we come. Now, just let me know, what's the turning radius for the S&P500? Didn't see it in the latest R&T or C&D. Next time someone could ask 900 or 3000 and well come back...
by inbox788
Mon Oct 13, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: POLL : SP500 next : 1900 or 2200?
Replies: 31
Views: 2998

Re: convenience vs cost (Vanguard vs NY 529)

Between ER of 0.16 & 0.21, difference is only $733.18 Between ER of 0.16 & 0.26, difference is only $1,480.05 I went with California Scholarshare TIAA-CREF because of these low fee funds. I kept it simple with 100% US Equity. It's another account, but I figured it was worth it. Index U.S. L...
by inbox788
Sat Oct 11, 2014 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: convenience vs cost (Vanguard vs NY 529)
Replies: 8
Views: 934

Re: Refinance ARM to 15 year fixed with 5 years left?

Why did you choose a 7 year ARM to begin with? "However, I realized that paying down the principal at this rate has a very poor return." Is this the only significant change since then? What is your plan for the better return with the alternative cash flow? What is your expected balance in ...
by inbox788
Sat Oct 11, 2014 2:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinance ARM to 15 year fixed with 5 years left?
Replies: 8
Views: 870

Re: is anything 'cheap' out there?

Everything is 2% cheaper right now. Might be a little cheaper on Monday. Or not.

http://www.latimes.com/business/la-fi-w ... story.html
by inbox788
Fri Oct 10, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 54
Views: 5568

Re: POLL : SP500 next : 1900 or 2200?

Closed 1,928 today...

Was Sep 5, 2014 2,007.71

Didn't think it would be answered in as little as a month. Still may not be if we change directions...

Is this a closing price target or would an intraday trade decide it?

BTW, can I see how I voted? I forgot if I even did, but can't seem to vote now.
by inbox788
Thu Oct 09, 2014 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: POLL : SP500 next : 1900 or 2200?
Replies: 31
Views: 2998

Re: Headed for a 300+ point loss today?

It could be the beginning of a Really Bad Week... Or a Really Bad Month or a Really Bad Year... Right now it's at 16,737.44 Here's where it's been recently: Oct 1, 2014 16,804.71 Sep 2, 2014 17,067.56 Aug 1, 2014 16,493.37 Jul 1, 2014 16,956.07 Jun 2, 2014 16,743.63 More likely 6 months of up/down ...
by inbox788
Thu Oct 09, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30338

Re: AAPL

Good thing you're not posting in the GTAT thread :wink: If tomorrow my AAPL shares were worthless it would be disappointing but it wouldn't destroy me. I would still have 97% of my money. I've never even heard of GTAT. After reading about them for the past few minutes I wouldn't even be able to tel...
by inbox788
Thu Oct 09, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 179
Views: 38708

Re: Can you trade options for free?

There are many free trade promotions, but very few ongoing offers, and fewer. Wells Fargo used to provide 100 trades with some accounts, but I think they discontinued the program. Maybe your friend is hopping from promotion to promotion every quarter, like those interest free credit card offers. Yes...
by inbox788
Thu Oct 09, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Can you trade options for free?
Replies: 3
Views: 346

Re: Back Door Roth IRA Question

Is there spousal income? AFAIK, aside from more paperwork, there's no downside to doing the Backdoor Roth vs qualifying for Roth, other than the 5 year conversion period. I believe that 5 years begins with the last contribution, no? Just to clarify since you asked about spousal income. My wife does...
by inbox788
Wed Oct 08, 2014 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA Question
Replies: 19
Views: 1102

Re: Back Door Roth IRA Question

I believe there are two 5 year rules, which is where some of the confusion comes from. Pretty thorough explanation here: http://www.kitces.com/blog/understanding-the-two-5-year-rules-for-roth-ira-contributions-and-conversions/ Bottom line: unless you're planning to take distributions from the Roth ...
by inbox788
Tue Oct 07, 2014 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA Question
Replies: 19
Views: 1102

Re: Post disappeared before being posted

I use the preview button a lot - I don't think you can preview if you are not logged on (although there are times when your logon disappears and you have to do it again). And using preview seems to restart some kind of clock. It is very frustrating and has happened to many of us at least once. Take...
by inbox788
Tue Oct 07, 2014 7:26 pm
 
Forum: Forum Issues and Administration
Topic: Post disappeared before being posted
Replies: 20
Views: 1358

Re: 401k review - 39 female (Fidelity to Guardian)

Even with the extra 0.50% ER the 401k is worth using. wiki, "Expensive or mediocre choices" . Don't limit yourself to contributing just enough to get the match. Contribute as much as you can, on top of maxing your IRA contribution each year. These ERs of 0.55, 0.58 & 0.64% are high on...
by inbox788
Tue Oct 07, 2014 6:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k review - 39 female (Fidelity to Guardian)
Replies: 19
Views: 1021

Re: 401k review - 39 female (Fidelity to Guardian)

I was told on the down low that my company is switching 1) due to low company participation with Fidelity and 2) the smaller percentage that are enrolled with Fidelity complained of poor customer service. Does the extra expense ratio percentage go into Guardian's pocket? That's too bad. The Spartan...
by inbox788
Tue Oct 07, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k review - 39 female (Fidelity to Guardian)
Replies: 19
Views: 1021

Re: Should I go for RSU or Options?

I too doubt it's 1:1, but if it is, then the decision is easy, take the RSU. I expect it's around 5x in options depending on the strike price. Given 7 years, you could estimate a doubling in expected stock value as a starting point. Is there historic data? What is expected future growth? Pricing opt...
by inbox788
Tue Oct 07, 2014 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Should I go for RSU or Options?
Replies: 15
Views: 936

Re: Back Door Roth IRA Question

I don't think the 5 year thing is that big a deal, since it only applies to gains, which should be relatively small, if any. Still, I though it was an annual conversion and each year pushes back the period. I haven't been doing it, but the more I learn about it, the more I think I should have been d...
by inbox788
Tue Oct 07, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA Question
Replies: 19
Views: 1102

Re: Back Door Roth IRA Question

Is there spousal income?

AFAIK, aside from more paperwork, there's no downside to doing the Backdoor Roth vs qualifying for Roth, other than the 5 year conversion period. I believe that 5 years begins with the last contribution, no?
by inbox788
Tue Oct 07, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back Door Roth IRA Question
Replies: 19
Views: 1102

Re: 401k review - 39 female (Fidelity to Guardian)

Why is the company switching? Doesn't look like it's for the benefit of the employees. How does the employer benefit? http://www.marketwatch.com/story/401k-fees-too-high-tell-the-boss-2014-05-05 New fees are too high for me. Stick with the IRA and Roth IRA. Use the 401k only up to the match and no m...
by inbox788
Tue Oct 07, 2014 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k review - 39 female (Fidelity to Guardian)
Replies: 19
Views: 1021

Bonds allocation in taxable or tax advantaged?

Does the location of bonds matter whether one is 3 or 30 years from retirement? Background For investors that exhaust their tax advantage space, there's been an ongoing debate whether the bonds should go in the taxable vs tax advantaged space: http://www.bogleheads.org/wiki/Principles_of_tax-efficie...
by inbox788
Mon Oct 06, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds allocation in taxable or tax advantaged?
Replies: 2
Views: 338

Re: Hyundai vs. Toyota

My Camry is 15 years old and the Check Engine light has been on for the past few months. This is not generally a problem, but I won't pass the required smog check unless I spend some money to get it turned off. It cost me a few hundred dollars two years ago to accomplish that - annoying how it's no...
by inbox788
Sun Oct 05, 2014 9:57 pm
 
Forum: Personal Consumer Issues
Topic: Hyundai vs. Toyota
Replies: 45
Views: 4696
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