Search found 1041 matches

by AndroAsc
Thu Nov 17, 2016 7:50 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2451

Re: Help me figure out the running cost of having winter tires

Do all season tires need to be stored in a climate controlled room? I'm thinking of putting my tires in the storage cabinet, but that is outside my apartment by the patio... Alternatively I'll just put it at a corner in my living room and use this to wrap it up: https://www.amazon.com/gp/product/B00...
by AndroAsc
Thu Nov 17, 2016 7:41 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2451

Re: Help me figure out the running cost of having winter tires

If you put a set of tires in your dinning room your apartment will smell terrible. Tires smell like old rubber. And the black rubber will rub off on anything that touches it. So lots of things will get stained. I suggest you need to forget about buying snow tires until you can figure out another st...
by AndroAsc
Thu Nov 17, 2016 1:37 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2451

Re: Help me figure out the running cost of having winter tires

Alright, I'll get tires soon, cause it's falling below freezing where I live, and I'll do the math and decide to wheel or not latter. Thanks!
by AndroAsc
Thu Nov 17, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2451

Re: Help me figure out the running cost of having winter tires

HueyLD wrote:Can you get by with all season tires for all four seasons?


Too dangerous unless I don't leave town from Nov to Feb. I was trapped last year, and didn't like that.
by AndroAsc
Thu Nov 17, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2451

Re: Help me figure out the running cost of having winter tires

Ok, did some further calcs seems that the breakeven point is about 3 years if buying wheels. Would I need to buy the wheels and winter tires together, or can I just buy the winter tires first, and decide on the wheels next year? There is also the possibility I may not stay in a snow area for the nex...
by AndroAsc
Thu Nov 17, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2451

Re: Help me figure out the running cost of having winter tires

Radjob4me wrote:
AndroAsc wrote:Well I don't have the extra space to get a new set of wheels, live in an apartment.


Wait, so where would you keep your all-season-summer tires that you swap out?


Probably just leave it somewhere in the living room.

The weight is also an issue, I can't carry up a steel wheel up the stairs.
by AndroAsc
Thu Nov 17, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2451

Re: Help me figure out the running cost of having winter tires

Well I don't have the extra space to get a new set of wheels, live in an apartment.
by AndroAsc
Thu Nov 17, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Help me figure out the running cost of having winter tires
Replies: 42
Views: 2451

Help me figure out the running cost of having winter tires

I've been researching on getting a good price for winter tires, and I know Costco right now has $130 off, that gives me about $430ish, all in with tax, installation and stuff. Discount Tires will also price match. BUT... Then I read that swapping between winter and all-season tires at Costco is not ...
by AndroAsc
Sun Nov 13, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: Confused about Winter Tire Road Hazard Warranty
Replies: 9
Views: 714

Confused about Winter Tire Road Hazard Warranty

So Costco is having a sale now on Winter Tires, and with Exec membership it comes up to $130 off or just under $400 all inclusive of tax and extra warranties. Costco also offer a 5-year road hazard warranty, but under the ToS it is subject to regular balancing and rotation. The problem with doing ti...
by AndroAsc
Tue Oct 04, 2016 9:47 am
Forum: Personal Consumer Issues
Topic: Recommendations for safe online money transfer (e.g. Paypal) from 3rd party
Replies: 6
Views: 394

Re: Recommendations for safe online money transfer (e.g. Paypal) from 3rd party

Aren't bounced checks like a notorious problem for not accepting checks?
by AndroAsc
Tue Oct 04, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: Recommendations for safe online money transfer (e.g. Paypal) from 3rd party
Replies: 6
Views: 394

Recommendations for safe online money transfer (e.g. Paypal) from 3rd party

I'm conducting some business online, and the merchant does not have the ability to pay by ACH. So far I've been offered the option to get paid through Paypal, Venmo or Dwolla. While this merchant have good references, it's my first transaction, and I am wary about these online money transfer service...
by AndroAsc
Fri Sep 30, 2016 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Why are there fees every month in my Vanguard 401k?
Replies: 13
Views: 956

Re: Why are there fees every month in my Vanguard 401k?

The administrator is Vanguard, which is why I am letting this slide for a while.

They just list "Fee" as the description. It is very informative.
by AndroAsc
Fri Sep 30, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: Why are there fees every month in my Vanguard 401k?
Replies: 13
Views: 956

Why are there fees every month in my Vanguard 401k?

Does anyone have a Vanguard 401k? I just realized when I looked at my transaction history, there are multiple fees every month, sometimes more than once per month! For example, right now I have Total Stock Market Fund and Company Stable Value Fund. Every month, I am seeing a fee deduction: "Fee...
by AndroAsc
Thu Sep 22, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Advice on Getting Deals for Tires
Replies: 10
Views: 985

Advice on Getting Deals for Tires

I'm shopping for tires, and soliciting advice on where to get good deals, what warranty options I should get, or not get, and here's what I found based on my research: - Tirerack.com and discounttiredirect.com offer usually the best prices, but their prices don't reflect installation and labor. It c...
by AndroAsc
Tue Aug 16, 2016 4:43 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 54
Views: 6008

Re: Long wait on Vanguard Phone Lines-What's going on?

Yeah, I called last week and it took AN HOUR for them to resolve my request. Did I miss the memo? Market is not crashing, where are all the calls coming from?
by AndroAsc
Thu Aug 11, 2016 5:06 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is there anyone in Eastern Washington?
Replies: 0
Views: 654

Is there anyone in Eastern Washington?

Was wondering if there any Bogleheads in Eastern Washington... Would be nice to have a gathering of like-minded folks.
by AndroAsc
Fri Apr 15, 2016 11:50 am
Forum: Investing - Theory, News & General
Topic: How strong is your belief in AQR?
Replies: 47
Views: 6416

Re: How strong is your belief in AQR Kool-Aid?

Larry Swedroe, who thinks highly of this fund, I think said that he himself had only put 3% of his portfolio into it. Although he might had said later that he had increased it. With 3% does it even make a difference in the entire portfolio? I was under the impression that you need at least 5-10% in...
by AndroAsc
Fri Apr 15, 2016 11:44 am
Forum: Investing - Theory, News & General
Topic: How strong is your belief in AQR?
Replies: 47
Views: 6416

Re: How strong is your belief in AQR Kool-Aid?

A lot of people tilt to factors, sometimes heavily, via long-only funds from Vanguard and other non-AQR/DFA providers. Some avoid the "specialty" funds because of costs, risks, or other concerns, rather than qualms about the underlying motivations. Could you clarify what you really mean t...
by AndroAsc
Thu Apr 14, 2016 7:41 pm
Forum: Investing - Theory, News & General
Topic: How strong is your belief in AQR?
Replies: 47
Views: 6416

How strong is your belief in AQR?

First, I'm upset the poll option is gone. So I guess we're down to counting posts. I'm sure a good number of you are aware of AQR and their smart beta passive funds. I'll lump AQR with similar companies like DFA. In comparing AQR/DFA to Vanguard, how strong is your belief? Let's assume access to AQR...
by AndroAsc
Thu Apr 07, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3264

Re: Is TLH too much work for you?

I get a chuckle out of threads that talk about slice and dice portfolios being too complex or TLH being too much work. In this day and age of computer access to your entire portfolio the amount of work involved to perform these two examples of portfolio management amounts to less work than to make ...
by AndroAsc
Thu Apr 07, 2016 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3264

Re: Is TLH too much work for you?

It is a hobby, but I also like to keep things streamlined, and I also don't follow that much on the market movement and prices. It's the wash sale that doubles my work, because I have to look at my stuff 2X each quarter and be mindful of the 30 days. Was wondering if anyone has streamlined their TLH...
by AndroAsc
Thu Apr 07, 2016 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Difference between Vanguard FTSE International vs Total International
Replies: 9
Views: 893

Difference between Vanguard FTSE International vs Total International

I can't tell the difference between the two. FTSE International used to not have Canada and used to be large cap only, but now the fund looks like it has both. The only difference is that FTSE International has 2000+ stocks, but Total International has 5000+ stocks. Am I missing anything?
by AndroAsc
Thu Apr 07, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH too much work for you?
Replies: 32
Views: 3264

Is TLH too much work for you?

So I recently got into TLH, and it's a bit too much work for my taste. I have a feeling I am not streamlining it well. In the past, my investment maintenance is like this: 1) Login every quarter. Move money from money market / stable value fund to mutual fund and rebalance. DONE. Now, I need to do t...
by AndroAsc
Wed Mar 23, 2016 9:17 am
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Area Chapter Meetings - Master Thread
Replies: 37
Views: 6158

Re: Seattle Area Chapter Meetings - Master Thread

Any updates on when the meeting will take place?
by AndroAsc
Sun Feb 07, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2854

Re: How do you hire a lawyer to be "on retainer"?

It sounds like you're doing Manufactured Spending Extreme Edition. Sure....you can expect to have some SARs filled out on you. Are you concerned that something like this would happen? http://www.travelcodex.com/2016/02/i-was-detained-for-manufactured-spending/?utm_source=feedburner&utm_medium=f...
by AndroAsc
Sun Feb 07, 2016 10:13 am
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2854

Re: How do you hire a lawyer to be "on retainer"?

Ok, thanks guys. So it looks like I'll just need to brief a lawyer on the situation, pay the hourly rate, and then get their name card and put it in my wallet. I've been updating my knowledge on how lawyers are paid and another interesting option is the retainer fee (not "on retainer"). It...
by AndroAsc
Fri Feb 05, 2016 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: How do you hire a lawyer to be "on retainer"?
Replies: 24
Views: 2854

How do you hire a lawyer to be "on retainer"?

I start out pleading total ignorance about how contracts with lawyers are made, so I'm hoping that the more legally experienced here can help me with this. What I need is to have a lawyer "on retainer", but it's not really a retainer as I don't need the lawyer to do constant work. I just n...
by AndroAsc
Wed Jan 13, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Newbie's asset allocation (Singapore)
Replies: 19
Views: 1404

Re: Help with Newbie's asset allocation (Singapore)

Would you be able to name a London-domiciled exchange as an example? There are quite a few Reits in the local market but none are ETF. I personally have no more unit trusts as have liquidated all my "bad" investments. It is my partner who is heavily invested in them with his long time fin...
by AndroAsc
Tue Jan 12, 2016 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Newbie's asset allocation (Singapore)
Replies: 19
Views: 1404

Re: Help with Newbie's asset allocation (Singapore)

More specific advice to your questions. NO REITS. US taxation for non-resident alien are very bad @30%, so REITS go out of the window... you know that REITs have significant dividend payout right? They are almost bond like in terms of tax efficiency. STI ETF is good, that's the only thing worth buyi...
by AndroAsc
Tue Jan 12, 2016 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Newbie's asset allocation (Singapore)
Replies: 19
Views: 1404

Re: Help with Newbie's asset allocation (Singapore)

I used to live there. I'll throw you some advice from many years of research. You cannot get access to US mutual funds period. You need to reside (physically live) in the US to get access to it. Even US citizens living abroad had their mutual funds shut down, although it does seem dependent on which...
by AndroAsc
Tue Jan 12, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1878

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

For Capital Gains Distribution: ST losses are reported as interest and taxed as ordinary income. ST losses cannot be offset by ST/LT losses. LT losses are treated the same way as in capital gains. I assume this is a typo for: For Capital Gains Distribution: ST gains are reported as interest and tax...
by AndroAsc
Tue Jan 12, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1878

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

From this, can I generalize that ST losses are generally more "desirable"/"valuable" than LT losses? If yes, do you make it a point to monitor your fund in the first year to harvest short-term losses? Answers: Yes. Absolutely. I mention this all the time. There is also one more ...
by AndroAsc
Tue Jan 12, 2016 12:36 am
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1878

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

1. Capital gains can be realized by you when you sell shares, but they can also be passed on to you when the fund itself has to sell shares internally. The latter are called capital gain distributions . If all you hold in taxable are Vanguard stock index funds, you might never see a capital gain di...
by AndroAsc
Tue Jan 12, 2016 12:32 am
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1878

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

Suppose I have $10K in carryover LT losses. Now I book $10K in LT gains and $5K in ST gains. What are my taxes? Suppose I have $10K in ST carryover losses. Now I book $10K in LT gains and $5K in ST gains. What are my taxes? First scenario is paying taxes on $5k ST gains, since $10k LT losses cancel...
by AndroAsc
Mon Jan 11, 2016 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1878

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

Long term gains are taxed at 15%. Short term gains are taxed at your tax bracket when over 15%!tax bracket. I understand the different tax treatment for LT vs ST gains, but also wondering about any differences between LT vs ST losses. It seems that (according to Fool.com, Kiplinger and Turbotax - a...
by AndroAsc
Mon Jan 11, 2016 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1878

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

It seems that every source have a different answer: http://www.fool.com/personal-finance/taxes/reconcile-capital-gains-and-losses.aspx Fool.com pretty much says it doesn't matter whether it is short-term or long-term losses, as either can be used to offset either long or short-term gains, and either...
by AndroAsc
Mon Jan 11, 2016 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1878

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

Ok, this is confusing https://turbotax.intuit.com/tax-tools/tax-tips/Investments-and-Taxes/Capital-Gains-and-Losses/INF12052.html Losses on your investments are first used to offset capital gains of the same type. So short-term losses are first deducted against short-term gains, and long-term losses...
by AndroAsc
Mon Jan 11, 2016 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1878

Re: TLH: Does it matter if it is sold as short-term or long-term losses?

I was looking at the wiki: https://www.bogleheads.org/wiki/Capital_gains_distribution Short-term capital gains distributions are made from realized gains on securities held for one year or less. Short-term gains are taxed at ordinary income tax rates Short-term gain distributions are included in a f...
by AndroAsc
Mon Jan 11, 2016 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Does it matter if it is sold as short-term or long-term losses?
Replies: 21
Views: 1878

TLH: Does it matter if it is sold as short-term or long-term losses?

I know there is differences in taxation treatment for short-term vs long-term capital gains.

Is there any difference in treatment for TLH short-term vs long-term losses (loosely defined as whether Vanguard states it as "Long" or "Short") under the SpecificID interface)?
by AndroAsc
Mon Jan 11, 2016 10:49 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k: How is the unvested portion calculated/tracked? Please help!
Replies: 4
Views: 385

Re: Vanguard 401k: How is the unvested portion calculated/tracked? Please help!

I'd always prefer that my (investment) choices would be my responsibility and so would the consequences, so tracking the "vested basis" when first purchasing the fund make sense to me. Note that it could have gone the other way, where Emerging outperformed US, and I would have less vested ...
by AndroAsc
Mon Jan 11, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard 401k: How is the unvested portion calculated/tracked? Please help!
Replies: 4
Views: 385

Vanguard 401k: How is the unvested portion calculated/tracked? Please help!

I spent an hour over the phone with my Vanguard 401k, and I cannot get a straight answer. This is really infuriating for such a simple (in my opinion) question. I am trying to figure out how is the unvested portion of my 401k calculated. Hypothetical Scenario: Year 1: I have $10k in my 401k, 90% of ...
by AndroAsc
Sun Jan 10, 2016 11:17 pm
Forum: Investing - Help with Personal Investments
Topic: post-TLH options
Replies: 8
Views: 607

Re: post-TLH options

2. Invest in a similar but not substantially fund (e.g. VEU) (advantage: no time out of the market; disadvantage: increased complexity of having a different fund in your portfolio, and you may never be able to get able to get back to the original fund ) I don't understand the last part (bolded). Co...
by AndroAsc
Sun Jan 10, 2016 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: post-TLH options
Replies: 8
Views: 607

Re: post-TLH options

2. Invest in a similar but not substantially fund (e.g. VEU) (advantage: no time out of the market; disadvantage: increased complexity of having a different fund in your portfolio, and you may never be able to get able to get back to the original fund ) I don't understand the last part (bolded). Co...
by AndroAsc
Sun Jan 10, 2016 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: Question on timing TLH with moving assets from taxable to tax-deferred
Replies: 1
Views: 274

Question on timing TLH with moving assets from taxable to tax-deferred

I'd figure I start a separate thread, since this is on a slightly different topic. Over the next few years or so, I plan on "moving" my money from taxable to my tax-deferred accounts. This is because I can do a Mega Backdoor Roth (I THINK), and going forward all my savings will be directed...
by AndroAsc
Sun Jan 10, 2016 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: How do I TLH (practical advice on Wash Sale)?
Replies: 8
Views: 461

Re: How do I TLH (practical advice on Wash Sale)?

Your international looks good except for what you are doing with VWO (EEM) as noted below. I don't fully agree with not swapping VWO for EEM. VWO uses full replication and holds 3000+ stocks whereas EEM uses synthetic replication and holds less than 1000 stocks. Also EEM tracks MSCI index, whereas ...
by AndroAsc
Sun Jan 10, 2016 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: How do I TLH (practical advice on Wash Sale)?
Replies: 8
Views: 461

Re: How do I TLH (practical advice on Wash Sale)?

Alright, I amended the sequence of steps to include wash sales +/- 30 days from the time of transaction: 1) Buy $10k of Large-Cap only index in 401k. 2) Sell $10k Total US for TLH. $5k goes to some Large-Cap only index, another $5k goes to FTSE ex-US index. After >30 days, switch the $5k Large-Cap I...
by AndroAsc
Sun Jan 10, 2016 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: How do I TLH (practical advice on Wash Sale)?
Replies: 8
Views: 461

Re: How do I TLH (practical advice on Wash Sale)?

From the looks of things, it looks like it becomes very complicated if you are rebalancing with fresh money (accumulation phase) AND doing TLH AND "moving" money from taxable and tax-deferred, all at the same time. Practically, do you guys do all 3 together? Or do you split up the TLH from...
by AndroAsc
Sun Jan 10, 2016 9:54 pm
Forum: Investing - Help with Personal Investments
Topic: How do I TLH (practical advice on Wash Sale)?
Replies: 8
Views: 461

Re: How do I TLH (practical advice on Wash Sale)?

Looks like it could be more complicated as apart from TLH, I am "switching" some money from taxable to my 401k Sample Scenario. Let's say my taxable has $10k Total US and $10k Total International. I have $10k cash in my 401k, and I want to maintain the 50:50 split between US:International....
by AndroAsc
Sun Jan 10, 2016 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: How do I TLH (practical advice on Wash Sale)?
Replies: 8
Views: 461

Re: How do I TLH (practical advice on Wash Sale)?

I am also concerned with the inefficiencies between bid-ask spread for ETF, so it would be preferable to exchange between mutual funds. Currently, I plan to TLH the following, and identified the corresponding products to TLH into: 1) Total US Stock Market Index (VTSAX) -> Large-Cap Index (VLCAX) 2) ...

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