Search found 2819 matches

by mhc
Fri Aug 28, 2015 11:50 am
Forum: Personal Consumer Issues
Topic: Vacations this Year?
Replies: 28
Views: 1086

Re: Vacations this Year?

goodlifer wrote:Did you go to the deer park at the Dells? My daughter LOVES feeding the deer.


No. We have a small heard of deer that lives near our house. We see them frequently. And not too far away, we have elk and moose.
by mhc
Fri Aug 28, 2015 9:56 am
Forum: Personal Consumer Issues
Topic: Vacations this Year?
Replies: 28
Views: 1086

Re: Vacations this Year?

I live in Chicago, and IMO they have some of the best summers in the country. I try to save my vacation till it gets cooler out and go somewhere warmer. My vacations consisted of a few extended weekends within the midwest to lakehouses and such We went to Chicago as part of our summer road trip. It...
by mhc
Thu Aug 27, 2015 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate to your kid's public school?
Replies: 60
Views: 4427

Re: How much do you donate to your kid's public school?

Welcome to the forum!

$0
My kid's schools do not ask for money.

What do they say they will do with the money?
by mhc
Thu Aug 27, 2015 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: fsgdx: tax loss harvest
Replies: 7
Views: 326

Re: fsgdx: tax loss harvest

The Fidelity fund follows an index provided by MSCI. Vanguard's international funds (including VTIAX & VFWAX) follow FTSE. Excellent. Can anybody explain the differences between VTIAX and VFWAX? Comparing them on M*, they seem all but identical. They are, and they are about to get even more ide...
by mhc
Thu Aug 27, 2015 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: fsgdx: tax loss harvest
Replies: 7
Views: 326

Re: fsgdx: tax loss harvest

VTIAX: The composition of the two funds are not substantially identical in my opinion.

VFWAX is another choice that is even less substantially identical to the Fidelity fund.
by mhc
Thu Aug 27, 2015 1:29 pm
Forum: Personal Consumer Issues
Topic: Apartment security deposit problem
Replies: 14
Views: 1390

Re: Apartment security deposit problem

First question: ?

Second question: Spend no more than $50 worth of your time and emotional energy on trying to resolve it. This assumes that $100 is not going to make or break you.
by mhc
Thu Aug 27, 2015 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Joint finances and cash management
Replies: 38
Views: 2810

Re: Joint finances and cash management

1 joint checking account 1 joint savings account 1 joint taxable investing account My DW gave me formal permission to manage her IRA and Roth. When we got married, I executed a quit claim deed on my house, and she did the same on her condo. We became joint owners. She use to pay the bills, but when ...
by mhc
Wed Aug 26, 2015 12:09 pm
Forum: Investing - Theory, News & General
Topic: Wash Sale Quiz!
Replies: 38
Views: 2479

Re: Wash Sale Quiz!

VTI $98.34 when I posted my reply

sell all results in no wash
sell B results in no wash, because it would result in a small gain
selling A or C would trigger the wash sale rules
by mhc
Tue Aug 25, 2015 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Do you count cash towards your portfolio asset allocation?
Replies: 34
Views: 2044

Re: Do you count cash towards your portfolio asset allocation?

I count the cash in my checking and savings account. When I retire, I will have money in those accounts and it will be part of my assets. I don't know why I wouldn't include it. My AA is: 80% equities 18.5% bonds 1.5% cash If I ignored the cash, it wouldn't make much difference. BTW, I don't have lo...
by mhc
Tue Aug 25, 2015 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Using Vanguard system to TLH
Replies: 9
Views: 587

Re: Using Vanguard system to TLH

You should switch the auto-investment to the Index 500 fund. The Index 500 may shoot up, and you may never move the money back to VTSAX. If you are able to move the money back to VTSAX; then, switch the auto-investment back to VTSAX. There are no lock out periods for auto-investments. If you are cle...
by mhc
Tue Aug 25, 2015 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Still Time to TLH?
Replies: 3
Views: 424

Re: Still Time to TLH?

Look at the equivalent ETF's and decide if it is worthwhile to sell some lots today.

Yesterday, I TLH my international. My Total Stock Market didn't have quite enough in losses yesterday. With the way things are going today, I'll just wait and see.
by mhc
Tue Aug 25, 2015 8:45 am
Forum: Investing - Help with Personal Investments
Topic: Purchase Mutual Fund Next Available Price?
Replies: 1
Views: 202

Re: Purchase Mutual Fund Next Available Price?

Your understanding is correct.
by mhc
Tue Aug 25, 2015 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss VTIAX
Replies: 10
Views: 706

Re: Tax loss VTIAX

Surbo15 wrote:And I have this on automatic investment, twice per month so must I turn it off and buy vfwax instead. Would that be correct? Thanks


That is correct. Switch your auto-investment to VFWAX.
by mhc
Mon Aug 24, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: worth of benefits package
Replies: 14
Views: 2008

Re: worth of benefits package

My W-2 for 2014 had a box for how much the employer contributed to my insurance. Do you have a W-2 from last year?
by mhc
Mon Aug 24, 2015 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX and VTSAX TLH alternatives?
Replies: 5
Views: 418

Re: VTIAX and VTSAX TLH alternatives?

If you are not selling all, use specific ID to choose the lots that have losses. If you are selling all, I don't think it matters.
by mhc
Mon Aug 24, 2015 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: VTIAX and VTSAX TLH alternatives?
Replies: 5
Views: 418

Re: VTIAX and VTSAX TLH alternatives?

I just pulled the trigger on VTIAX for VFWAX. After that you can go to Developed/Emerging if things continue to drop quickly.

VTSAX: Large Cap Index or Index 500 are the simple approach. If you want to be more exact, pick up mid/small cap also.
by mhc
Mon Aug 24, 2015 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard doesn't allow dividends to Prime MM?
Replies: 28
Views: 1749

Re: Vanguard doesn't allow dividends to Prime MM?

Ved,

I think most people just reinvest in a Roth IRA since you can always exchange from one fund to another without tax implications.
by mhc
Fri Aug 21, 2015 11:43 am
Forum: Investing - Help with Personal Investments
Topic: 2nd TLH opportunity
Replies: 6
Views: 493

Re: 2nd TLH opportunity

Crow Hunter, I was in a very similar position as you several years ago. I went with Developed and Emerging at the correct ratio to match TISM. I was hoping to move back to TISM. It didn't happen. I hit the bottom with Developed and Emerging. I still have Developed and Emerging to this day. No big de...
by mhc
Mon Jul 27, 2015 2:26 pm
Forum: Personal Consumer Issues
Topic: Best Pellet Smoker for the money? Rec Tec?
Replies: 2
Views: 498

Re: Best Pellet Smoker for the money? Rec Tec?

I know several people who love their Traegers. For steaks you could pick up a Weber charcoal grill. I have a propane smoker, charcoal grill, and propane grill. My favorite is the charcoal grill. It is easy and versatile. You could get a Traeger for under a $1000 and also get a Weber charcoal grill. ...
by mhc
Mon Jul 27, 2015 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partners for VG international funds?
Replies: 7
Views: 400

Re: TLH partners for VG international funds?

I use them. Why do you think they are too similar?

You can also use Developed and Emerging in the correct ratio to cover Total International.
by mhc
Mon Jul 27, 2015 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Online chart of performance that includes reinvested divs and cap gains?
Replies: 2
Views: 241

Re: Online chart of performance that includes reinvested divs and cap gains?

Here is what Morningstar says about their growth charts: http://www.morningstar.com/invglossary/growth_of_10000_definition_what_is.aspx Growth of 10,000 The Growth of $10,000 graph shows a fund's performance based on how $10,000 invested in the fund would have grown over time with dividends reinvest...
by mhc
Fri Jul 24, 2015 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Performance review for Boss!
Replies: 20
Views: 2293

Re: Performance review for Boss!

After filling out an anonymous review on my manager once (I was foolish to believe HR), my manager walked into the staff meeting, looked me dead in the eyes, and quoted word for word one of my statements from the anonymous review. My foolishness was cured immediately.
by mhc
Thu Jul 23, 2015 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard advisor service worth while for me?
Replies: 18
Views: 1462

Re: Is the Vanguard advisor service worth while for me?

If you have a lot of unrealized gains, you are less likely to be able to TLH. Would the service overcome the $900 head winds? If the funds have a lot of unrealized gains, I doubt it since TLH does not occur too often and your marginal tax rate is low. The other thing is TLH only takes about 2 minute...
by mhc
Wed Jul 22, 2015 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: Piggyback loan vs PMI
Replies: 2
Views: 335

Re: Piggyback loan vs PMI

Sounds like it saves money to do the piggyback loan and that you prefer it. Do it. I think you have a clear understanding of the issues. I've done it before with no issues. I used a variable rate HELOC for my 2nd and paid it off quickly. No surprises.
by mhc
Tue Jul 21, 2015 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: $11,000 bonus...where should I put it?
Replies: 27
Views: 2499

Re: $11,000 bonus...where should I put it?

Roth space is valuable in my eyes. It is use it or lose it. The money in there will "never" be taxed. I would backdoor the max to the Roth. With your income level, you should still be able to pay off a large part of the 5.5% loan. Maybe have it gone in 1-2 years. I wouldn't attack the stud...
by mhc
Thu Jul 16, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: Home landscaping dilemma
Replies: 21
Views: 2243

Re: Home landscaping dilemma

Go for the ideal backyard if you will enjoy it and can afford it. It's only $10-15k extra.
by mhc
Wed Jul 15, 2015 9:31 am
Forum: Investing - Help with Personal Investments
Topic: All Eggs in One Basket?
Replies: 20
Views: 2449

Re: All Eggs in One Basket?

If you want to better understand how Vanguard would protect all of your money, then I suggest calling them and having them explain it to you. If they can't give you a satisfactory answer, then don't do it. Many people have more than $500k at Vanguard. I have no problem with it because I have never s...
by mhc
Fri Jul 10, 2015 7:46 am
Forum: Personal Consumer Issues
Topic: Roof done: call company to pay or wait from them to call?
Replies: 10
Views: 1499

Re: Roof done: call company to pay or wait from them to call?

The person who does the billing may be on vacation. Give it a week or so. I've had this happen with smaller companies.
by mhc
Thu Jul 09, 2015 12:09 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - New $10 ATM Fee Reimbursement Limit
Replies: 68
Views: 4847

Re: Ally Bank - New $10 ATM Fee Reimbursement Limit

I just take out a large chunk each time I go to the ATM. I carry a few hundred with me and put the rest in a jar at home. Some people don't realize that cash is still necessary in some places. They also don't realize that 7-11s, Targerts, and CVSs are not everywhere. I don't know the last time I dro...
by mhc
Mon Jun 29, 2015 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Savings plan "pivot"
Replies: 17
Views: 1758

Re: Savings plan "pivot"

Working until 65 sounds like a good plan, but unfortunately a lot of people can't due to one reason or another. If I was 33 I would try to be FI by 50-55. If I was still able and willing to work, then I would. I agree with the idea that you shouldn't save more than you need to. It is just hard to pr...
by mhc
Fri Jun 26, 2015 2:36 pm
Forum: Personal Consumer Issues
Topic: Best Way to Conduct Online Meetings?
Replies: 15
Views: 797

Re: Best Way to Conduct Online Meetings?

Webex in Windows 7 works very well. I like it better than GotoMeeting. I use Webex for internal and external meetings flawlessly. Only time I see someone having a problem with Webex is when they are trying to run it from Linux. Then again just about everything in Linux is buggy.
by mhc
Thu Jun 25, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Couples and money and compatibility
Replies: 38
Views: 4469

Re: Couples and money and compatibility

My DW has little interest in money or investing. She pretty much goes along with my style. The only issue is she does not look at prices or bargain shop like I do. If something is too expensive, I'll go without. Since she doesn't look at prices, she'll buy it. Very minor irritant to me. Otherwise, m...
by mhc
Thu Jun 25, 2015 9:17 am
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 53
Views: 5110

Re: Colorado Vacation suggestions

The wagon ruts mentioned above are in Guernsey, Wy. If you are close, they are worth seeing, but don't go out of the way. The ruts were formed as part of the Oregon Trail. If you are interested in the Oregon Trail, go to Scotts Bluff National Monument. The visitor center has a really good movie and ...
by mhc
Wed Jun 24, 2015 11:01 pm
Forum: Personal Consumer Issues
Topic: Colorado Vacation suggestions
Replies: 53
Views: 5110

Re: Colorado Vacation suggestions

I live in Colorado, and I have traveled most of the state. Here are my favorites. 1. Million Dollar Hwy (Durango, Silverton, Ouray). Spend the night in Ouray and enjoy the hot springs. 2. Estes Park to see Rocky Mountain NP. I live 45 minutes from there. We go several times a year, and I never get t...
by mhc
Wed Jun 24, 2015 2:53 pm
Forum: Investing - Theory, News & General
Topic: What ratio are you stocks/bonds and how old are you?
Replies: 278
Views: 28724

Re: What ratio are you stocks/bonds and how old are you?

47: 80/20 Based mostly on need (I'm willing to do whatever it takes and my ability is what it is). I'm on the cusp of beginning my glide path which is based on my goal, progress towards that goal, with an age safety factor. I have 4 planed steps, each at a certain percentage of my goal, but with a ...
by mhc
Tue Jun 23, 2015 9:13 am
Forum: Personal Finance (Not Investing)
Topic: multiple non-retirement brokerage accounts
Replies: 2
Views: 324

Re: multiple non-retirement brokerage accounts

I don't. You may want to take a look at: http://www.sipc.org/for-investors For example: http://www.sipc.org/for-investors/investors-with-multiple-accounts SIPC protection of customers with multiple accounts is determined by "separate capacity." Each separate capacity is protected up to $50...
by mhc
Mon Jun 22, 2015 10:31 pm
Forum: Investing - Theory, News & General
Topic: Improving cost basis
Replies: 17
Views: 1866

Re: Improving cost basis

I don't buy into market timing.

I improve my cost basis by donating my most appreciated shares and use new money to buy whatever is needed to maintain my AA.
by mhc
Fri Jun 19, 2015 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Ticker Symbols on 401k Northern Trust Funds
Replies: 7
Views: 671

Re: Help with Ticker Symbols on 401k Northern Trust Funds

Notice the word Collective in the fund names. I have CITs from Northern Trust also. I just use the ticker for a Vanguard fund for a proxy.
by mhc
Fri Jun 19, 2015 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Is it worth aspiring to get more?
Replies: 131
Views: 18090

Re: Is it worth aspiring to get more?

It is a very personal decision. My current plan is to be set to retire at 55. I then plan on working a few more years to upgrade the house and/or take some very expensive vacations. How long I work will depend on circumstances of course (e.g., can I still work, will I get laid off, can I stomach goi...
by mhc
Tue Jun 16, 2015 11:39 am
Forum: Investing - Help with Personal Investments
Topic: RSU vs Stock Options
Replies: 10
Views: 1131

Re: RSU vs Stock Options

My company gives equal expensed amounts of RSUs and NQSOs. I believe it is a wash because they are of equal value at grant. There are pro's and con's to each relative to the other, but I believe it is a wash. Many people prefer RSUs because they never go underwater. That is fine if that is their cho...
by mhc
Tue Jun 16, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6626

Re: Most Beautiful Nature Destinations

Yellowstone Canyon in Yellowstone NP is my favorite. I'm not sure the rest of the park is the most beautiful, but it is the most amazing. Canyonlands NP has some truly beautiful big views. Glacier NP is very beautiful. Waterton on the Canadian side is also beautiful. Some out of the way ones in Colo...
by mhc
Fri Jun 12, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: comp time for weekend work/travel?
Replies: 22
Views: 1785

Re: comp time for weekend work/travel?

the official company policy is to "discuss comp time with your manager". Since your work is not flexible with work hours, I would probe your manager to see what he thinks about comp time. Maybe something like, "Hey manager, what are your thoughts on comp time when an employee has to ...
by mhc
Fri Jun 12, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: comp time for weekend work/travel?
Replies: 22
Views: 1785

Re: comp time for weekend work/travel?

I have no idea if my company gives comp days, but they are very flexible in my work hours. If your company is flexible with you, then I recommend that you be flexible with them and not ask for comp days. I had to travel on a holiday once. One of my co-workers asked the manager in a staff meeting if ...
by mhc
Mon Jun 08, 2015 9:53 am
Forum: Investing - Theory, News & General
Topic: hard to track Roth Conversions at Vanguard site
Replies: 8
Views: 850

Re: hard to track Roth Conversions at Vanguard site

Montanagirl, I just logged into my Vanguard account. I selected my Roth IRA in Account Activity. I then selected Transaction History. I see my IRA to Roth conversion listed as "Exchange to" because I did an exchange from my IRA to Roth. If you are using exchanges (name of mechanics to go f...
by mhc
Sun Jun 07, 2015 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: What Percent Of Your Annual Expenses Are Property Taxes?
Replies: 101
Views: 7004

Re: What Percent Of Your Annual Expenses Are Property Taxes?

~1.8%

The easiest way to drop this number is to spend more. :twisted:
by mhc
Thu Jun 04, 2015 8:50 am
Forum: Personal Finance (Not Investing)
Topic: no more complimentary CFP yearly consultation?
Replies: 20
Views: 2801

Re: no more complimentary CFP yearly consultation?

Vest74,

call your Rep and see if you can have a CFP consultation. Vanguard does not advertise the CFP annual review anymore, but I thought customers still had access to a CFP if they are at the appropriate service level.

Anyway, I think a Boglehead review could be more valuable.
by mhc
Wed Jun 03, 2015 8:41 am
Forum: Personal Consumer Issues
Topic: Visiting Nephews: Water Guns and Nerf Weapons
Replies: 29
Views: 3897

Re: Visiting Nephews: Water Guns and Nerf Weapons

Water guns and nerf weapons are still cool. My kids love them. If you want to be really cool, show up with a bow and arrow and do some archery.
by mhc
Mon Jun 01, 2015 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Using Donar Advised Fund like a mega-Roth
Replies: 14
Views: 878

Re: Using Donar Advised Fund like a mega-Roth

A possible consideration - my former employer offers a 1:1 match for active employees & a 1:2 match for retirees on 'qualifying' charitable donations. Donor directed charitable trusts don't make the cut - so while I save on taxes, my favored charities miss out on the match. Good point. Unfortun...
by mhc
Mon Jun 01, 2015 9:33 pm
Forum: Investing - Help with Personal Investments
Topic: Using Donar Advised Fund like a mega-Roth
Replies: 14
Views: 878

Re: Using Donar Advised Fund like a mega-Roth

One thing to consider is that all DAFs, even the lowest cost one (Fidelity, Schwab,Vanguard) charge at least 60 basis point or so administrative fee in addition to the ER for the investments you choose. Thank you. I guess I should do the calculation of the administrative fee vs tax free growth (e.g...

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