Search found 29 matches

by AgentHoopla
Fri Jul 28, 2017 5:17 am
Forum: Personal Consumer Issues
Topic: Need advice - Job
Replies: 37
Views: 3555

Re: Need advice - Job

Depends, if you like your current job and your boss is willing to match the new job offer, or at least come up 15%ish to what your making now, I would consider working from home a awesome benefit. However if you dont mind showing up to work somewhere and want to make more money, and your boss isnt w...
by AgentHoopla
Thu Jul 27, 2017 5:22 am
Forum: Investing - Theory, News & General
Topic: Vanguard Taxable Account - Margin? Thoughts.
Replies: 5
Views: 733

Vanguard Taxable Account - Margin? Thoughts.

Hey all, Gathering some opinions. I am familiar with margin trading on a standard brokerage account with stocks and what not, but due to the Boglehead way of buying and holding a Total Stock Market Index like VTSAX and never letting go, my question would be, has anyone ever explored the idea of buyi...
by AgentHoopla
Wed Jul 26, 2017 10:49 pm
Forum: Investing - Theory, News & General
Topic: Company has Vanguard 401(K) Offerings At Fidelity? Why?
Replies: 10
Views: 1089

Re: Company has Vanguard 401(K) Offerings At Fidelity? Why?

Thanks everyone. I downloaded the 51 page plan document and dug through it a fair bit didnt see anything about fees, until someone earlier mentioned that they see the "fees" on their account. So I pulled up the account statement year to date and saw I have been charged $0.06 in fees for the entire y...
by AgentHoopla
Wed Jul 26, 2017 10:22 pm
Forum: Investing - Theory, News & General
Topic: Company has Vanguard 401(K) Offerings At Fidelity? Why?
Replies: 10
Views: 1089

Re: Company has Vanguard 401(K) Offerings At Fidelity? Why?

Fidelity is for-profit, and while they don't make profit from every customer, they do OK for themselves. Institutional funds will be offered in plans that taken together can meet the large investment minimums required by the fund. So you are likely working for a large company, and your employer is ...
by AgentHoopla
Wed Jul 26, 2017 10:05 pm
Forum: Investing - Theory, News & General
Topic: Company has Vanguard 401(K) Offerings At Fidelity? Why?
Replies: 10
Views: 1089

Company has Vanguard 401(K) Offerings At Fidelity? Why?

Hello All, Maybe this is getting too much into the investing weeds, but I am wondering. Currently my company's 401(K) plan is with Fidelity, and I have been contributing about 25% of my pre-tax income to the fund. It autofilled me into a T Rowe Price Target Date Fund automatically and its been there...
by AgentHoopla
Wed Jul 26, 2017 6:53 am
Forum: Personal Finance (Not Investing)
Topic: Grandson just got married. Wants to add wife's name to accts
Replies: 32
Views: 4648

Re: Grandson just got married. Wants to add wife's name to accts

FelixTheCat wrote:My suggestion is do not commingle premarital property.
^^^^^^ This. 1000% times over. Definitely this after reading threads like this one. viewtopic.php?f=2&t=224218
by AgentHoopla
Wed Jul 26, 2017 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Investing small amounts, monthly, wisely, humbly seeks advice.
Replies: 11
Views: 1078

Re: Low income earner humbly seeks advice.

First off, Congratulations on taking such a huge risk with moving to Japan. I am sure its been such a struggle for you and your family. Now on to your finances. 1) Emergency Fund As you probably saw first hand when you moved, you burned through a lot of cash when you didn't have a job. Its kept you ...
by AgentHoopla
Wed Jul 26, 2017 6:09 am
Forum: Personal Finance (Not Investing)
Topic: Post Nuptial agreement guaranteeing alimony?
Replies: 113
Views: 7426

Re: Post Nuptial agreement guaranteeing alimony?

With consultation fees running 250-1000, I figured I should ask whether this was feasible first, before hiring an attorney to draft this. My spouse and I work in the same industry and it is impeding my job prospects as we cannot work in competing positions/companies. I have turned down numerous pro...
by AgentHoopla
Sat Jul 22, 2017 4:33 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrencies
Replies: 50
Views: 4794

Re: Cryptocurrencies

Anyone here invest in Crypto? I don't think it's an investment. Opinions can and do differ. I have been watching https://coinmarketcap.com/ since reading that one guy made over 200M in one month in crypto. (http://www.investopedia.com/news/ether-trader-made-more-200-million-one-month-ethereum-crypt...
by AgentHoopla
Fri Jul 21, 2017 4:22 am
Forum: Investing - Theory, News & General
Topic: Cryptocurrencies
Replies: 50
Views: 4794

Cryptocurrencies

Anyone here invest in Crypto? I have been watching https://coinmarketcap.com/ since reading that one guy made over 200M in one month in crypto. (http://www.investopedia.com/news/ether-trader-made-more-200-million-one-month-ethereum-cryptocurrency/) Seeing all this volatility is quite interesting. Th...
by AgentHoopla
Mon Jun 26, 2017 4:37 am
Forum: Investing - Help with Personal Investments
Topic: New military officer. Is the Roth TSP the obvious choice?
Replies: 37
Views: 3536

Re: New military officer. Is the Roth TSP the obvious choice?

Hello, Bogleheads, I am commissioning into the military at the O-4 pay grade. Uh. What? Your coming in as a Major? It takes two years to go from O-1 to O-2, and another 2 years at least to go from O-2 to O-3, than another 4-6 to get to O-4, if you make the cutoff and grade requirements. How are you...
by AgentHoopla
Sun Jun 25, 2017 6:41 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 7467

Re: Your Favorite Vanguard Fund

Vanguard Total Stock Market Index Fund Admiral Shares: VTSAX I agree. I just listened to John Bogle's Common Sense on Mutual Fund Investing and he speaks highly of this fund. If John says it, I believe it, and that settles it for me. :happy 88% of my money is in this one fund. I agree.
by AgentHoopla
Sun Jun 25, 2017 6:37 am
Forum: Investing - Help with Personal Investments
Topic: Newbie question about my stock in Amazon...
Replies: 51
Views: 5170

Re: Newbie question about my stock in Amazon...

I personally invest most of my money into mutual funds like VTSAX and SWTSX and VINIX to hold true to the boglehead way of life. However I have about 12% of my portfolio in a few individual stocks I have a particular conviction in (Amazon being one of them) I personally feel that Amazon might do wel...
by AgentHoopla
Fri May 19, 2017 7:24 am
Forum: Investing - Help with Personal Investments
Topic: "Wash Sale" Questions
Replies: 14
Views: 884

Re: "Wash Sale" Questions

livesoft wrote:
Got any other wild ideas?
Yeah, I do.

Since you said that a normal person would have TLH well before the 50% drop, when do you recommend TLHing? in small increments such as the small 1.8% drop we just recently had? or only when a big market correction occurs?
by AgentHoopla
Fri May 19, 2017 7:11 am
Forum: Investing - Help with Personal Investments
Topic: "Wash Sale" Questions
Replies: 14
Views: 884

Re: "Wash Sale" Questions

No one knows what "substantially identical" means. Is it more identical than identical or less identical than identical or the same as identical? That is what is confusing me, I am trying to skirt around the substantially idential thing by picking Schwab versus Vanguard funds, there are some differ...
by AgentHoopla
Fri May 19, 2017 7:10 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting
Replies: 9
Views: 1007

Tax Loss Harvesting

According to the IRS: Any additional losses can be deducted up to $3,000 per year against ordinary income, while losses in excess of that limit can be carried forward to future tax years to reduce capital gains or ordinary income until the balance of the losses are used up. So what this means is, i...
by AgentHoopla
Fri May 19, 2017 6:43 am
Forum: Investing - Help with Personal Investments
Topic: "Wash Sale" Questions
Replies: 14
Views: 884

"Wash Sale" Questions

Questions are in scenario 2 and 3 The IRS defines a "wash sale" is as follows: The rule defines a wash sale as one that occurs when an individual sells or trades a security at a loss, and within 30 days before or after this sale, buys a “substantially identical” stock or security, or acquires a con...
by AgentHoopla
Thu Apr 27, 2017 11:45 pm
Forum: Investing - Theory, News & General
Topic: Is not Tax Harvesting usually a wasted opportunity?
Replies: 17
Views: 2262

Re: Is not Tax Harvesting usually a wasted opportunity?

Here is the million dollar question.

When do you tax loss harvest?
by AgentHoopla
Thu Apr 27, 2017 9:57 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting on a one fund portfolio
Replies: 6
Views: 835

Re: Tax Loss Harvesting on a one fund portfolio

I would be tax-loss-harvesting well before the market was down 30% in one year. I would be exchanging VTSAX into VLCAX and/or VFIAX all along the way. and when VLCAX and/or VFIAX had losses I would be exchanging back into VTSAX. By the time there were 30% losses, I would probably have some money in...
by AgentHoopla
Thu Apr 27, 2017 6:18 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting on a one fund portfolio
Replies: 6
Views: 835

Tax Loss Harvesting on a one fund portfolio

Hey All, Since the stock market is pretty high right now and lots of people I am talking to expect a "steep market correction" many are abstaining from getting involved in the market. Than I meet the people who say its not about timing the market, but time in the market. Either way is understandable...
by AgentHoopla
Thu Apr 27, 2017 6:09 am
Forum: Investing - Help with Personal Investments
Topic: A checkup on my entire finance portfolio - am I on track?
Replies: 11
Views: 1392

Re: A checkup on my entire finance portfolio - am I on track?

OP, I am in a similar situation as you, 27 with 95% of my net worth in low cost index funds, most of it is in VTSAX. I think its a good strategy, as long as when a bull market comes when you lose half of your net worth in a year, you can invest more so when the market rebounds, you get additional ga...
by AgentHoopla
Mon Apr 24, 2017 3:06 am
Forum: Investing - Help with Personal Investments
Topic: What fund to invest spare change in?
Replies: 4
Views: 652

What fund to invest spare change in?

I have money in the Roth IRA, 401k and taxable accounts. I do have a 6 month emergency fund, however I have about 30-40k in other monies that I may need to spend in 6 months - 2 years for unforeseen circumstances. I don't feel super comfortable putting them in aggressive US/intentional stocks. I was...
by AgentHoopla
Mon Apr 24, 2017 12:59 am
Forum: Local Chapters and Bogleheads Community
Topic: Hawaii Bogleheads, where are you?
Replies: 26
Views: 3388

Re: Hawaii Bogleheads, where are you?

Honolulu Townie here.

Im Down.
by AgentHoopla
Thu Apr 20, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: CPA or TurboTax
Replies: 18
Views: 1712

CPA or TurboTax

Hello All, I have been using turbo tax for many years, and never really understood the value of having a CPA handle my taxes unless I owned a business or have a very difficult tax situation. Im 27, work at a company and dont own a business, never used a CPA. What are your thoughts? Do you use a CPA?...
by AgentHoopla
Tue Apr 18, 2017 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX Versus VFIAX
Replies: 3
Views: 1219

VTSAX Versus VFIAX

Both funds are pretty damn similar. One VTSAX holds the the marjoity of the stock market while VFIAX holds just the top 500. Over 10 years, VTSAX brought back a 7.69% return while VFIAX brought back a 7.50% return. Whats your take in the fund to invest in? VTSAX has over 500 billion in and VFIAX has...
by AgentHoopla
Sat Apr 15, 2017 3:56 am
Forum: Investing - Help with Personal Investments
Topic: Starting my retirement savings- Where to go? Suggestions Welcome.
Replies: 15
Views: 1378

Re: Starting my retirement savings- Where to go? Suggestions Welcome.

Thank you everyone for your honest and true replies. It really means alot. Thank you. What I am currently looking at is the Schwab intelligent portfolio, because it seems to have a large range of ETFs to diversify in. However, in order to reach my goals ill need to have a more stock ETF oriented por...
by AgentHoopla
Fri Apr 14, 2017 7:03 am
Forum: Investing - Help with Personal Investments
Topic: Starting my retirement savings- Where to go? Suggestions Welcome.
Replies: 15
Views: 1378

Re: Starting my retirement savings- Where to go? Suggestions Welcome.

I'm sorry I didn't provide enough detailed numbers about what I was thinking about doing. I appreciate all the replies and attention so far. What I was considering was after I get my financial affairs in order to go ahead and max out the 401k contribution to the maximum $18,000. Just to get some mon...
by AgentHoopla
Fri Apr 14, 2017 6:02 am
Forum: Investing - Help with Personal Investments
Topic: Starting my retirement savings- Where to go? Suggestions Welcome.
Replies: 15
Views: 1378

Starting my retirement savings- Where to go? Suggestions Welcome.

Hello All, I am 27 years old and planning on starting to save for retirement. I have been debt free for all my life, and diligently stashed away money in my savings account over the years. I have begun to kick up my employer 401k match to the full 6%, planning on opening up a ROTH IRA and fully fund...