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I have a Toto Eco Drake. Bought it for $200 online and replaced an old leaky toilet. Best toilet I've ever used, and only 1.28gpf.
by rdl
Tue Mar 31, 2009 6:06 am
 
Forum: Personal Consumer Issues
Topic: Replacement Toilet
Replies: 27
Views: 5840

I like checking the wholesale rates on mtgprofessor.com. I ended up getting 4.875 for a 30 year fixed conforming, 0 points, $2300 closing costs. It's really the luck of the draw, though.
by rdl
Wed Mar 04, 2009 8:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Locked a refi at 4.75%
Replies: 14
Views: 2467

Tax loss harvesting and real estate

Is it possible to use long-term (short-term) cap gain losses from the sale of mutual funds to offset the long-term (short-term) cap gains from selling an actual piece of real estate? They are both reported on a Schedule D so I don't see why not but wondering if anyone knew for sure. Thanks!
by rdl
Wed Feb 18, 2009 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting and real estate
Replies: 1
Views: 453

TLH and avoiding distributions

I scanned this thread and saw a post by Stratton and another by livesoft that alluded to distributions, but no discussion. I am considering TLH by selling (now-ish) and then repurchasing shares after distributions. Pros: avoid cap gains. Cons: you're out of the market for a longer period of time (as...
by rdl
Tue Nov 11, 2008 1:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mother of All Tax Loss Harvesting Threads
Replies: 241
Views: 58906

401(k) in service rollovers

I'm trying to figure out how to get my assets out of my 401(k) and into an IRA where I can have an unlimited number of investment options. (My 401(k) isn't terrible but it tends to have poor bond/REIT choices). From searching the board, I believe that a (small) number of 401(k) plans offer in-servic...
by rdl
Tue May 06, 2008 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) in service rollovers
Replies: 4
Views: 1012

section 83(b) only applies to restricted stock (as stated on the web page). you have options, not restricted stock. does not apply.
by rdl
Sat May 03, 2008 8:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taxes: Help Understanding Section 83(b) Election
Replies: 8
Views: 2499

not to defend fidelity, but I believe that when you use their advisory service they invest in a special institutional share class for many of the funds which have a lower ER than published ... but still, a high cost to pay
by rdl
Thu Apr 03, 2008 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Portfolio Advisory Services - observations
Replies: 13
Views: 4387

this has been discussed extensively, most recently in this thread: http://www.diehards.org/forum/viewtopic.php?t=14001&mrr=1205253724 the bottom line is that if you're picking (or not picking) advisers based on fees and/or DFA access, you're using the wrong criteria. good advisers add a lot of v...
by rdl
Wed Mar 12, 2008 6:16 am
 
Forum: Investing - Theory, News & General
Topic: Why would anyone here use DFA funds?
Replies: 13
Views: 2813

Currency as an asset class?

"Currencies generally suffer an expected return of zero in the long run, a shortcoming that raises questions about the strategic value of the asset class. But for shorter periods, forex risk can enhance portfolio diversification and boost risk-adjusted performance." More here: http://www.c...
by rdl
Tue Mar 04, 2008 4:12 pm
 
Forum: Investing - Theory, News & General
Topic: Currency as an asset class?
Replies: 4
Views: 1212

The actively managed Fidelity bond funds have extensive exposure (30%-50%+) to CMOs. From my standpoint, this is too risky for my fixed-income asset class. Unfortunately, these are all the options I have available in my 401(k) so I keep most of my fixed-income allocation in their retirement money ma...
by rdl
Wed Feb 06, 2008 6:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity treasury bond index funds
Replies: 11
Views: 2699

In a tax-deferred account with both TSM and ESM, I've allocated to both to capture more of the small cap premium.

I'd be interested if anyone has any data about risk-adjusted performance of different ratios between TSM/ESM.
by rdl
Mon Jan 28, 2008 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market + Extended Stock Market?
Replies: 24
Views: 4553

Larry, both PCRIX and DJP have ER's about 0.75%. Relative to index investing in stocks at ER's below 0.10% or even a REIT ETF at 0.12%, how much is the diversification benefit of holding commodities offset by the undesireable ER. I have been reluctant to diversify to commodities because I do not li...
by rdl
Mon Jan 14, 2008 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Commodities, REITs, Emerging markets
Replies: 20
Views: 4295

If you're looking at gold as an investment, you should look at in the context of your asset allocation. You might be better off investing in something more like CCFs. The most painless way to invest in gold is with an ETF. There are a few of them, GLD is the big one. Also, keep in mind that GLD and ...
by rdl
Fri Jan 11, 2008 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good time to buy Gold for investment and where to buy?
Replies: 20
Views: 3662

I have similar fund choices in my Fidelity 401(k). Since I have a relatively large taxable, my 401(k) consists of fixed-income and tax-inefficient asset classes. Unfortunately, the fixed income funds you mention all have a very heavy investment in CMOs, and I believe they also employ leverage. So I ...
by rdl
Thu Jan 03, 2008 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which funds should I buy in Fidelity 401k?
Replies: 10
Views: 2856

PCRIX ER is 75bp. You can get it through Vanguard ($25K minimum) or generally financial advisors have access to it as well.
by rdl
Thu Jan 03, 2008 9:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Collateralized Commodity Futures ? - Larry's Article
Replies: 110
Views: 21214

So target retirement funds like VG 2045 etc...really do not belong in a Roth IRA. It depends on your overall asset allocation. If your Roth IRA is your primary investment asset, VG 2045 may make sense (for example). But most people tend to have taxable and tax-qualified accounts, and generally tax-...
by rdl
Fri Dec 28, 2007 8:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: I'm confused about tax efficency and Roths
Replies: 6
Views: 1149

Re: SS# as ID

i totally agree. i just signed up for a fidelity charitable trust fund this week, and how do i sign on? yup, w/ SSN. and a few months ago, signed up for new cell phone service... what did they require? yup, my SSN. and earlier this month, signed up for 529... of course, a SSN is required. (for both...
by rdl
Fri Dec 28, 2007 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: SS# as ID
Replies: 11
Views: 2857

Roth 401(k) versus 401(k) for high income investors?

What are people's thoughts on putting money away in a Roth 401(k) versus a 401(k) for folks in higher income tax brackets? The correct answer depends on forecasting the future of tax laws and your future retirement tax bracket, of course, so interested to hear what people actually are doing. Vanguar...
by rdl
Thu Dec 27, 2007 9:39 am
 
Forum: Investing - Theory, News & General
Topic: Roth 401(k) versus 401(k) for high income investors?
Replies: 44
Views: 4132

Re: Backup...

With both TaxCut and Turbotax - make sure to make a CD Backup of both the resulting files as well as the Program folder - that includes saved copies of all the updates. I also use a PDF printer to generate a PDF of my tax-form copies as well as the full-supporting forms copies. I keep this CD with ...
by rdl
Wed Dec 26, 2007 4:27 pm
 
Forum: Investing - Theory, News & General
Topic: Turbo Tax by Vanguard
Replies: 45
Views: 11454

I stand corrected -- 83b is for RSAs, not RSUs.
by rdl
Wed Dec 19, 2007 3:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Restricted stock units
Replies: 11
Views: 2689

Why do you believe that your RSUs are not eligible for a Section 83b election? As I understand it, Section 83b elections are intended exactly for the scenario you describe. The (potential) benefit is that you can save a lot in taxes if your employer stock rises significantly. The risk, as you point ...
by rdl
Tue Dec 18, 2007 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Restricted stock units
Replies: 11
Views: 2689

There is ongoing debate about the value of CCFs in a well-diversified portfolio. There are compelling arguments on both sides. If you want to dive deep, there are a number of good threads on this topic, e.g., http://www.diehards.org/forum/viewtopic.php?t=8776&start=1 Also note that not all CCF v...
by rdl
Sat Dec 15, 2007 8:14 am
 
Forum: Investing - Help with Personal Investments
Topic: Starting Career and Investing
Replies: 12
Views: 2924

IRS Ends Tax Advantage for Currency ETNs

Haven't seen this ruling mentioned here:

http://indexuniverse.com/index.php?opti ... &Itemid=28

I know most here probably don't trade in currency ETNs, and it does not (yet) affect other ETNs like DJP, but thought the ruling is interesting nonetheless.
by rdl
Tue Dec 11, 2007 9:31 am
 
Forum: Investing - Theory, News & General
Topic: IRS Ends Tax Advantage for Currency ETNs
Replies: 0
Views: 533

Thanks, guys! I also discovered one other option, the Fidelity Freedom Income fund, which is a 20/80 U.S. equity/fixed income split. It is a fund-of-funds and after crunching through the 0.55 ER and looking at the individual fund composition, I computed it's about 13% treasuries, 17% MBS, 25% other ...
by rdl
Sun Dec 09, 2007 9:02 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) fixed income allocation at Fidelity
Replies: 5
Views: 1058

401(k) fixed income allocation at Fidelity

Hi, I have three fixed-income funds available to me in my Fidelity 401(k): - Fidelity Investment Grade Bond Fund (FBNDX); average duration 4.6 - Fidelity Intermediate Bond Fund (FTHRX); average duration 3.7 - Fidelity Short-Term Bond Fund (FSHBX); average duration 1.7 They all have the same ER of 0....
by rdl
Sat Dec 08, 2007 11:30 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) fixed income allocation at Fidelity
Replies: 5
Views: 1058

BWX is an unhedged international bond ETF with a 50bp ER that might be a suitable replacement for RPIBX (which I believe is unhedged). Incidentally, Swedroe argues that unhedged international bonds is generally inappropriate for the fixed income portion of your portfolio since you are adding currenc...
by rdl
Fri Nov 30, 2007 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: International Bond Index Fund?
Replies: 6
Views: 1712

larry, what's the difference between what you posted and option 2 above? to my eyes, they look the same. generally speaking I think #2 is more tax efficient -- but you mention that your tax bracket varies wildly. so if you have a year where your income puts you in a very low tax bracket, it may make...
by rdl
Fri Nov 09, 2007 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help: DFA 10x10% or core funds for taxable? REITs?
Replies: 7
Views: 1655

I would not only consider IFA as the only remote advisor. These days it's really not critical for your advisor to be local so I'd encourage you to research a variety of advisors, not just IFA. A few years ago I was in the camp of deciding between DFA and Vanguard. I ended up finding an advisor that ...
by rdl
Thu Oct 25, 2007 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: Index Funds Advisors
Replies: 17
Views: 4119

As far as I can tell, they all focus on the basic stuff: index funds are tax efficient, invest in 401(k), invest in tax managed funds, etc. I don't see any hits that even cover any of the topics I mention above. Was there something specifically you were referring to?
by rdl
Sat Oct 13, 2007 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Tax-efficient investment resources
Replies: 5
Views: 1420

Tax-efficient investment resources

The reliable ways to improve your returns are to minimize your expenses and maximize your tax efficiency. What resources do people recommend for learning about the latter? Ideally I'm looking for up to date resources that would cover topics such as: - TIPRA IRA to Roth rollover - Tax loss harvesting...
by rdl
Sat Oct 13, 2007 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Tax-efficient investment resources
Replies: 5
Views: 1420

Ibbotson study

I'm surprised that no one has mentioned the Ibbotson study on commodities. (I'd provide a link, but apparently since I'm a new poster, I'm not allowed to do so. You'll have to Google.)
by rdl
Thu Oct 04, 2007 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: William Sharpe on Commodities
Replies: 21
Views: 4960

Ultimately, in an index fund, you want to look at total return. ER is a major component of that total return, but simply comparing ER is insufficient. In this case, another factor to consider is trading efficiency / trading costs. I believe that historically Vanguard does better in this regard.
by rdl
Sat Sep 29, 2007 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Indexing-Fidelity vs. Vanguard
Replies: 33
Views: 7159

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