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Re: Is tax loss harvesting ever a bad idea?

Setting aside the harvesting of small or negligible losses, assuming transaction costs are low and there are ready TLH "partners" (e,g., VBR/IJS), is a TLH ever ill-advised? Thanks! Watch out for transactions in tax-advantaged accounts that could make you lose the capital loss permanently...
by mhc
Tue Sep 23, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: Is tax loss harvesting ever a bad idea?
Replies: 13
Views: 480

Re: 3 Fund Portfolio Vs. Vanguard Advisor Recommendations

I think the Total Bond Market fund is sufficient. It holds 6730 different bonds. Sounds like a lot to me. Vanguard breaks down the fund by several different factors. You could compare that to the other funds. If you value simplicity, then 1 bond fund is just fine. Adding in the other bond funds will...
by mhc
Tue Sep 23, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 Fund Portfolio Vs. Vanguard Advisor Recommendations
Replies: 7
Views: 541

Re: Dilemma: manual buy & lower cost vs auto plan & higher c

I would be concerned that auto buying may not give you a good ETF buy price. There is a spread when buying and selling ETFs. How well will the broker do? This could add an additional cost. Who knows, the broker may do a better job.
by mhc
Tue Sep 23, 2014 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Dilemma: manual buy & lower cost vs auto plan & higher cost
Replies: 6
Views: 337

Re: Rainy day fund

Welcome to the forum! I prefer to not have too many buckets of money. I would just invest it according to your current retirement Asset Allocation (AA). If you decide on something specific that you need, then create a new bucket for it at that time and save up. If a big expense comes up that is not ...
by mhc
Mon Sep 22, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rainy day fund
Replies: 6
Views: 603

Re: Tax implication of backdoor Roth IRA conversio

I am only answering the recommendation question.

Convert the whole thing and be done with it. You only have $371 in gains. Get it out of the way to make life easier for now and future. This also means you don't have to be concerned with the pro-rata rules.
by mhc
Mon Sep 22, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax implication of backdoor Roth IRA conversio
Replies: 7
Views: 422

Re: Should I buy another fridge or freezer? Or neither?

I have the regular kitchen fridge. I also have a deep freeze. I use to hunt elk and occasionally buy a quarter steer. The deep freeze is a must. I like to smoke meat, so I stock up on large cuts of meat when they are on sale. They will stay fine in the deep freeze for over a year. My DW uses the rem...
by mhc
Thu Sep 18, 2014 12:45 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy another fridge or freezer? Or neither?
Replies: 16
Views: 1019

Re: Why Not Buy Vanguard ETFs Through Schwab?

If you prefer Schwab, go for it. I like the philosophy of Vanguard and I prefer mutual funds over ETF's, so I go with Vanguard.
by mhc
Thu Sep 18, 2014 9:47 am
 
Forum: Investing - Help with Personal Investments
Topic: Why Not Buy Vanguard ETFs Through Schwab?
Replies: 18
Views: 1806

Re: Random Contributions

I do not make regular contributions to my taxable account. Once I have a large enough surplus in my checking account, I invest it. It is usually tied to selling ESPP share (4 times a year), or annual bonus, or some other event outside my normal paycheck.
by mhc
Wed Sep 17, 2014 6:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Random Contributions
Replies: 16
Views: 1132

Re: Talk Me Off The Edge

Betatracker, people have been talking about shifting to shorter term bonds for a couple of years because interest rates are about to go up. I don't know when rates will go up, but so far I have been better off staying in TBM. I'm don't know how to time the market, so I will stay the course with TBM....
by mhc
Tue Sep 16, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Talk Me Off The Edge
Replies: 8
Views: 1694

Re: Is Vanguard's website glitchy today?

dolphinsaremammals wrote:Did you shut down the browser and restart it?


If that doesn't work, try deleting the Vanguard cookies.
by mhc
Mon Sep 15, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's website glitchy today?
Replies: 6
Views: 355

Re: Should I step in to help my in law pay off credit card d

If this is a one off event for your mother in law, then paying off the CC for her is merely an act of kindness. It is always good to show kindness and compassion.
by mhc
Mon Sep 15, 2014 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I step in to help my in law pay off credit card debt
Replies: 31
Views: 2601

Re: Three shares of stock, what to do with them?

Sell or donate or just plain forget about them. It's only $75.
by mhc
Fri Sep 12, 2014 5:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three shares of stock, what to do with them?
Replies: 10
Views: 739

Re: Need advice on which tablet to buy

I have a Kindle HDX. My DW has a Kindle HD. The HDX is really nice. It is fast. I use it for email, limited web browsing, reading, video, and games. It does them all well. I like the ability to download movies from Amazon for flights when I am not connected to wifi.
by mhc
Fri Sep 12, 2014 3:53 pm
 
Forum: Personal Consumer Issues
Topic: Need advice on which tablet to buy
Replies: 44
Views: 2561

Re: Is there a "catch" in this Xfinity offer ?

I would call ATT and say you are going to switch to Comcast unless they drop your price. If ATT doesn't drop, then try Comcast. You are fortunate to have 2 companies that want your business. Use it to your advantage. Get an email account that is not tied to a service provider (gmail, yahoo, outlook).
by mhc
Fri Sep 12, 2014 10:25 am
 
Forum: Personal Consumer Issues
Topic: Is there a "catch" in this Xfinity offer ?
Replies: 23
Views: 1598

Re: Need help simplifying retirement investments

Welcome to the forum!

Since you know your desired allocation, it is easy. Take a look at: http://www.bogleheads.org/wiki/3-fund_portfolio

There is a table that shows appropriate funds for Fidelity.
by mhc
Thu Sep 11, 2014 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help simplifying retirement investments
Replies: 8
Views: 713

Re: Help with Backdoor Roth

I didn't read thru the thread, besides the OP, so sorry if there is any duplication here. The short answer is to open an IRA account at a third company, say Schwab. It will have a zero balance, then you just put the funds in it and convert it to a Roth. Longer answer is I am at Schwab with IRA acco...
by mhc
Wed Sep 10, 2014 6:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 1461

Re: Help with Backdoor Roth

Here is the step by step process: http://thefinancebuff.com/the-backdoor-roth-ira-a-complete-how-to.html You need to move your existing IRA's into your 401k. No need to close any account if you don't want to. Fund your IRA. Move the money from the IRA to the Roth. At Vanguard, I do an exchange from ...
by mhc
Wed Sep 10, 2014 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with Backdoor Roth
Replies: 32
Views: 1461

Re: Dallas-Fort Worth things to do

sweat
Fort Worth Stockyards
6th floor museum
pro sports
sweat
Six Flags
zoo
museums
Great Wolf Lodge
shopping
sweat
lower Greenville restaurants
by mhc
Tue Sep 09, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: Dallas-Fort Worth things to do
Replies: 13
Views: 603

Re: I've been going all tax-deferred, considering to go taxa

I have no debt other than a $530 car payment and a $2,800 mortgage. But I would say that I do spend quite a bit on entertainment (Probably about $35,000 a year) and traveling. Keep in mind, a $350,000 income is only around $220,000 or so after I pay my taxes. I think the only way to answer the ques...
by mhc
Tue Sep 09, 2014 10:34 am
 
Forum: Investing - Help with Personal Investments
Topic: I've been going all tax-deferred, considering to go taxable.
Replies: 37
Views: 3483

Re: I've been going all tax-deferred, considering to go taxa

I think more details on your debt, spending, and plans are needed to recommend a split.

With that income, I would max the SEP and still save in a taxable account.
by mhc
Tue Sep 09, 2014 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: I've been going all tax-deferred, considering to go taxable.
Replies: 37
Views: 3483

Re: How often do you really change your email passwords?

When I see a story that my email provider's security has been breached, or when I forget it and have to reset it.
by mhc
Mon Sep 08, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: How often do you really change your email passwords?
Replies: 17
Views: 697

Re: Should you care about risk-adjusted returns?

I'm no expert in this area, but I have always thought one of the goals was to have the highest return for a given amount of risk not the "most efficient allocation". Example 1: A and B have the same expected return. B has higher risk relative to A. I want A. Example 2: A and B have the sam...
by mhc
Mon Sep 08, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Should you care about risk-adjusted returns?
Replies: 13
Views: 799

Re: The daddy of all grill islands

I have a gas grill, charcoal grill, and smoker. Grills are easy. Not much to them. Built in grills look nice, but they are expensive. I am too cheap to spend that kind of money. I bought a large gas grill with lots of horsepower. It works great. I added fire bricks to fill the voids. I also put a gr...
by mhc
Mon Sep 08, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: The daddy of all grill islands
Replies: 35
Views: 2772

Re: Proper Way To Wear Suspenders

Disclaimer: I have never worn suspenders.

There are dress pants made for suspenders. They have buttons for attaching the suspenders. In this case, the suspenders do not have clips.

A little googling will show you your options. Pictures and all.
by mhc
Fri Sep 05, 2014 12:47 pm
 
Forum: Personal Consumer Issues
Topic: Proper Way To Wear Suspenders
Replies: 29
Views: 1848

Re: Speeding in CT with NY license

I just pay and move on. There are better uses for my time.

If I think the ticket is unfair, I boycott that state for a few years. I know it doesn't change anything, but it makes me feel better.
by mhc
Fri Sep 05, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Speeding in CT with NY license
Replies: 14
Views: 1228

Re: New to the Three Fund Portfolio - All at once or DCA in?

Better = less risky. Tough to move my entire portfolio and buy in at a market peak (not that I attempt to time the mkt) You aren't doing that, are you? Since you already have the funds invested in active funds, you would be both selling and buying at roughly the same price. To me, it doesn't make s...
by mhc
Fri Sep 05, 2014 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: New to the Three Fund Portfolio - All at once or DCA in?
Replies: 15
Views: 872

Re: Inverse Convexity of TBM

To me inverse either means opposite (like concavity) or the literal inverse 1/x of something. So maybe it is just a terminology thing. FWIW: 1/x is the multiplicative inverse. -x is the additive inverse. Isn't that what I said? Opposite being the same as saying the opposite of X is -X. Me and termi...
by mhc
Thu Sep 04, 2014 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse Convexity of TBM
Replies: 13
Views: 581

Re: Inverse Convexity of TBM

Crow Hunter wrote:To me inverse either means opposite (like concavity) or the literal inverse 1/x of something.

So maybe it is just a terminology thing.



FWIW: 1/x is the multiplicative inverse. -x is the additive inverse.
by mhc
Thu Sep 04, 2014 12:48 pm
 
Forum: Investing - Theory, News & General
Topic: Inverse Convexity of TBM
Replies: 13
Views: 581

Re: How much life insurance do I need?

Grt2bOutdoors wrote:
mhc wrote:I don't know the answer, but go to the Social Security website and see how much the survivor would get. SS lessons the need for life insurance.


It certainly does provide a lesson, as it lessens the need for over worrying. :wink:


Thanks. Those homonyms seem to always get me.
by mhc
Thu Sep 04, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance do I need?
Replies: 22
Views: 1635

Re: How do you keep your electricity bill low?

Shade your house with trees.

I have planted deciduous trees on the west side of my house. It helps a lot.
by mhc
Thu Sep 04, 2014 9:34 am
 
Forum: Personal Consumer Issues
Topic: How do you keep your electricity bill low?
Replies: 123
Views: 9173

Re: How much life insurance do I need?

I don't know the answer, but go to the Social Security website and see how much the survivor would get. SS lessons the need for life insurance.
by mhc
Wed Sep 03, 2014 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much life insurance do I need?
Replies: 22
Views: 1635

Re: Picking Investments for my HSA

You do not need to replicate your AA in all your accounts. I would just go with the S&P500 in the HSA because it has the lowest ER and it is a good fund. Just adjust your other accounts accordingly to maintain your AA.
by mhc
Mon Sep 01, 2014 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Picking Investments for my HSA
Replies: 6
Views: 458

Re: When to invest in China?

I just put in an order for more China when I placed my order for TISM. Actually I don't know if China is in TISM, but I assume it is. I just buy TISM and call it a day.
by mhc
Sat Aug 30, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: When to invest in China?
Replies: 51
Views: 2943

Re: Why is my 401k and taxable considered "One Portfolio"?

Money is fungible.

If you were going to two stores and were going to spend $10 at each store, would you put $10 in one pocket and $10 in another pocket or would you just put $20 in your wallet and be able to mentally keep them separated?
by mhc
Sat Aug 30, 2014 1:10 pm
 
Forum: Investing - Theory, News & General
Topic: Why is my 401k and taxable considered "One Portfolio"?
Replies: 37
Views: 2844

Re: Poll: How many own zero/few stocks?

I'm all in with index funds.

I receive ESPP, NQSO, and RSU's every year. I sell them immediately. My gambling days are over.

I use to buy bonds at auction. Those are all gone. Holding a bond fund in retirement accounts is a lot easier. I have better things to do with my time.
by mhc
Fri Aug 29, 2014 9:32 am
 
Forum: Investing - Help with Personal Investments
Topic: [Sell off individual stocks?] How many own zero/few stocks?
Replies: 68
Views: 2747

Re: If you had an extra $100,000

I would invest it according to my AA and retire one year earlier. May seem boring to most, but knocking a year off my career sounds pretty exciting to me.
by mhc
Thu Aug 28, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: If you had an extra $100,000
Replies: 68
Views: 7212

Re: How do you usually pay for something under $5?

My favorite taco truck only takes CC's for purchases over $5. Two tacos = $4. Cash it is. Convenience determines if I use cash or CC for a purchase. I find that there are still many cases that cash is faster. Also, in my part of the country, there are many places that do no accept CC's. I have been ...
by mhc
Wed Aug 27, 2014 4:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you usually pay for something under $5?
Replies: 28
Views: 1225

Re: Fidelity vs Vanguard target funds, exactly what is going

For starters you should make a table comparing the two funds. List out ER and any additional fees. List what each fund holds (e.g., 50% US equities, 30% Intl equities, 20% bonds). See if this shows you the difference.
by mhc
Wed Aug 27, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Vanguard target funds, exactly what is going on?
Replies: 9
Views: 1059

Re: Help with specific COL calculations: Midwest vs Coastal

AndroAsc wrote:Most of the other spending categories like electric, internet, entertainment, insurance, I've used the same value, as I presume there is no COL difference for such bills.


I don't think your presumption is correct. Also, taxes are higher in California and the northeast.
by mhc
Wed Aug 27, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with specific COL calculations: Midwest vs Coastal City
Replies: 11
Views: 656

Re: Arches-Bryce-Zion road trip: Where to stay?

I have been to Moab twice in the last few years. I like the Best Western Canyonlands Inn downtown Moab. You can walk to some reasonable restaurants. You are close to Arches, Island in the Sky part of Canyonlands, and Deadhorse Point State Park. I'll assume you will be driving out on I-70. If so, you...
by mhc
Tue Aug 26, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Arches-Bryce-Zion road trip: Where to stay?
Replies: 16
Views: 1098

Re: Mortgages and financial freedom

I equate being in debt with slavery. When I owe money, there are extra restrictions placed on my life. What restrictions are you talking about (I assume we're talking about debt on real property here)? Assuming you're in a situation where you have enough money to pay for a home out of pocket, what ...
by mhc
Mon Aug 25, 2014 10:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 6852

Re: Mortgages and financial freedom

I have been debt free for a number of years now. Long before I learned how to invest properly. I equate being in debt with slavery. When I owe money, there are extra restrictions placed on my life. I have chosen to eliminate those restrictions. That increases my freedom. I don't think it has much im...
by mhc
Mon Aug 25, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 6852

Re: Kimchi

Kimchi is good. One of my Korean co-workers gets it through mail order. He says it's the best you can buy.
by mhc
Thu Aug 21, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Kimchi
Replies: 40
Views: 1886

Re: Questions about fertilizing and seeding lawn

I would check with your county or university extension service. They should be able to answer all your questions for your area. Otherwise, I would go to a local nursery. Otherwise, find a neighbor with a really nice yard and invite them over for a beer. If you live in a large metro area, you may be ...
by mhc
Tue Aug 19, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Questions about fertilizing and seeding lawn
Replies: 21
Views: 1547

Re: Defining "Stay the Course"

I think it depends on how you define the "course". 1. If the course is hitting retirement goals: For this, then you did stay the course. You just adjusted course based on new conditions. Let's say you are driving from New York to San Francisco. Weather conditions may cause you to select a ...
by mhc
Tue Aug 19, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 41
Views: 3743

Re: Why no transaction alerts from Vanguard/others?

I get emails from Vanguard and Fidelity for every transaction. Just had an email this morning.
by mhc
Tue Aug 19, 2014 9:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Why no transaction alerts from Vanguard/others?
Replies: 16
Views: 1242

Re: Your biggest "Missed Money" event that still kills you?

Is there one opportunity that you had to make a tidy sum of money that you somehow managed to mess up and it still kills you years later? I have definitely made some bad decisions, but no regrets. I think I have too many other things going on in life to worry about past mistakes. I just chalk it up...
by mhc
Mon Aug 18, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8091

Re: Indirect grilling (now a total fan)

OP, are you using lump or briquettes?

My Weber came with two charcoal baskets. When I cook a large chunk of meat, I move the baskets all the way out. I place the meat in the middle with a drip pan under it. Works great.

The baskets make it much easier to manage the location of the charcoal.
by mhc
Fri Aug 15, 2014 9:36 am
 
Forum: Personal Consumer Issues
Topic: Indirect grilling (now a total fan)
Replies: 13
Views: 1943

Re: Is the goal in sight? Should I relax?

If you can live on $100k/yr or less, then your are in good shape within the accuracy of the forecasting. A lot can happen over the next 44 years. It appears that you are on track. People have lived happily on a lot less than $100k/yr, so if you are flexible in your spending, then you have a much bet...
by mhc
Thu Aug 14, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the goal in sight? Should I relax?
Replies: 19
Views: 2340
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