Search found 195 matches

by Brian2d
Thu Jul 21, 2016 12:42 pm
Forum: Investing - Theory, News & General
Topic: Remind me once again why I can't time the market?
Replies: 75
Views: 7387

Re: Remind me once again why I can't time the market?

My approach is this....if I am over my target allocation in equity any time and I have extra cash, it goes in fixed. If I am under my target allocation in equity at any time, it goes in equity. This means I tend to get in equity more on the dips but I'm staying at my target allocation regardless.
by Brian2d
Sat Jul 02, 2016 9:10 am
Forum: Personal Consumer Issues
Topic: Which city should I move to?
Replies: 40
Views: 3311

Re: Which city should I move to?

Live in Denver and love it. Cost of living has increased but still likely lower than Seattle, though we don't have a 0% income tax. Not sure there's any city in the country I'd want to move to right now (But I absolutely love the outdoors and take full advantage of it).
by Brian2d
Fri Jun 03, 2016 8:29 am
Forum: Personal Consumer Issues
Topic: Move to Denver (Job) or stay in NoVA ?
Replies: 53
Views: 4627

Re: Move to Denver (Job) or stay in NoVA ?

I moved from the East Coast to Denver last year and absolutely love it. If you enjoy the outdoors, as I do, it's an awesome place to live. My sense is you probably can find a very good school district somewhere (if not exactly the same caliber school your son currently is in) and he'll do fine, but ...
by Brian2d
Wed Jun 01, 2016 11:05 pm
Forum: Personal Consumer Issues
Topic: 3-Day Weekend: Monday vs. Friday?
Replies: 47
Views: 3392

Re: 3-Day Weekend: Monday vs. Friday?

If the question is when to take a vacation day, I've often preferred to take Monday if I am traveing somewhere as Sat-Mon flights can be a lot cheaper than Fri-Sun (this obviously doesn't apply to 3-day holiday weekends where Monday is the day off).
by Brian2d
Wed May 11, 2016 11:10 am
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 7247

Re: When is cash better than plastic?

I often like to pay for relatively small purchases at small businesses (food trucks, etc.) even when they take credit cards because I don't want them to have to pay the merchant fees.
by Brian2d
Fri Apr 29, 2016 9:59 pm
Forum: Investing - Theory, News & General
Topic: VTEB: Better than online savings accounts? [Vanguard Tax-Exempt Bond ETF]
Replies: 22
Views: 3373

Re: VTEB: Better than online savings accounts?

Average duration of 5.5 years means it's not a replacement if a money market fund or short term savings vehicle is what you're looking for. Whether it beats using an equivalent taxable bond fund depends on your tax situation. Make the decision for the duration of your bond fund first in my opinion, ...
by Brian2d
Thu Apr 07, 2016 9:53 pm
Forum: Investing - Theory, News & General
Topic: Specific identification of shares and Vanguard
Replies: 11
Views: 1510

Re: Specific identification of shares and Vanguard

So just to clarify, if I have both non-covered and covered shares of a specific holding, I can switch to specific ID, keep the average info that Vanguard used for the single lot for non-covered shares and report the average number for those shares, while taking advantage of the benefits of specific ...
by Brian2d
Tue Apr 05, 2016 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Helping mom with inherited account from a full service brokerage
Replies: 1
Views: 362

Helping mom with inherited account from a full service brokerage

Hi all, My mom recently inherited an account that's held at a full service brokerage account. Her "advisor" is recommending an actively traded portfolio of individual stocks (and I think some individual bonds as well but I'm not certain) with a focus on dividend paying stocks. For this the...
by Brian2d
Sun Mar 13, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: public transp.from Denver Airport to Pepsi Cntr
Replies: 4
Views: 526

Re: public transp.from Denver Airport to Pepsi Cntr

AF bus goes to Union Station then light rail (a free transfer) one stop will get you to the Pepsi Center. After April 22nd there will be a train to replace the AF bus.
by Brian2d
Sat Mar 05, 2016 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Incorrect cost basis after ETF conversion
Replies: 4
Views: 363

Re: Incorrect cost basis after ETF conversion

They were definitely not dividend reinvestments....i do not reinvest dividends on these funds.
by Brian2d
Sat Mar 05, 2016 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Incorrect cost basis after ETF conversion
Replies: 4
Views: 363

Incorrect cost basis after ETF conversion

I converted some of my Vanguard mutual funds to ETFs. The conversion went through overnight. The cost basis data is way off after the conversion. Additionally, I see some shares listed on dates where I am certain I did not buy the funds. I do know the correct total numbers and was using average cost...
by Brian2d
Tue Feb 16, 2016 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing Out- Traditional or Roth 401K
Replies: 79
Views: 5521

Re: Maxing Out- Traditional or Roth 401K

Thanks all for the advice. Under my current approach of $12K trad, 6K roth, plus 5500 to Roth IRA, I'm nearly 50%-50%. Based on what I'm hearing, if I maxed Traditional, I'd be at 18K/23.5K or just over 75% traditional, and perhaps that's a better place to be.
by Brian2d
Tue Feb 16, 2016 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing Out- Traditional or Roth 401K
Replies: 79
Views: 5521

Maxing Out- Traditional or Roth 401K

I'm already maxing out my 401K and debating how to split between Traditional and Roth 401K. I'm currently at 2/3 Traditional and 1/3 Roth though have the chance now to either substantially increase my Roth allocation or invest some additional amounts in a taxable account instead. Currently in the 28...
by Brian2d
Fri Jan 15, 2016 10:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Funds (Admiral) vs ETFs (Advantages and disadvantages)
Replies: 24
Views: 3825

Re: Vanguard Index Funds (Admiral) vs ETFs (Advantages and disadvantages)

Guess the Wiki pretty much covered it. Great job to whoever wrote it, rendering my post unnecessary.
by Brian2d
Fri Jan 15, 2016 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Index Funds (Admiral) vs ETFs (Advantages and disadvantages)
Replies: 24
Views: 3825

Vanguard Index Funds (Admiral) vs ETFs (Advantages and disadvantages)

Let me know if I'm missing anything: Thinking about whether or not I may want to consider converting to ETFs, primarily for the portability benefit listed below. If I understand correctly, I can convert to ETFs and then move to another brokerage if I would like without either step being a taxable ev...
by Brian2d
Thu Jan 14, 2016 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Question on Backdoor Roth and inherited IRA
Replies: 1
Views: 222

Question on Backdoor Roth and inherited IRA

Hi,

I have a question about a situation that doesn't apply to now but may apply in the future.

Does the pro-rata rule include inherited traditional IRAs. In other words, if I had an inherited traditional IRA would that limit my ability to do a backdoor Roth.

Brian
by Brian2d
Sat Jan 09, 2016 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Advising my son on 401K enrollment, advise wanted.
Replies: 25
Views: 2117

Re: Advising my son on 401K enrollment, advise wanted.

I do wonder if some of this advice is making things a bit more complicated than it needs to be (if son were on here and engaging more actively I'd agree with most of the advice given). The son has chosen to invest in the 401k more than the match amount and for now this decision probably makes sense ...
by Brian2d
Thu Dec 31, 2015 12:05 am
Forum: Investing - Help with Personal Investments
Topic: Helping parents with complicated inherited portfolio
Replies: 2
Views: 442

Helping parents with complicated inherited portfolio

Hi all, My parents recently inherited a complicated portfolio held at a traditional brokerage firm. This portfolio contained some complicated investments including the following investments which I have limited familiarity with: 1) Individual bonds (mostly MUNIs in parents' home state which is same ...
by Brian2d
Fri Mar 20, 2015 1:34 pm
Forum: Personal Consumer Issues
Topic: Driving from NYC to Seattle, Must See places?
Replies: 12
Views: 1573

Re: Driving from NYC to Seattle, Must See places?

I love Colorado, but seems like rather than Denver and Vail you may want to head further north if you're headed toward Seattle. You mentioned Jackson, and there are also some great ski resorts in Montana and Idaho that may interest you. Flathead and Sun Valley come to mind but I'm sure they're not t...
by Brian2d
Tue Mar 03, 2015 1:23 pm
Forum: Personal Consumer Issues
Topic: Tourists in Manhattan
Replies: 53
Views: 6177

Re: Tourists in Manhattan

Another place to look for hotels where you can save a bit is Long Island City, which is 5-10 minutes from Manhattan and has good subway access. But at $300 a night you may be able to get a nice place right in Manhattan (I live in NYC so have not needed to look for hotels here and don't know what the...
by Brian2d
Wed Feb 25, 2015 4:54 pm
Forum: Personal Consumer Issues
Topic: What are Costco's best deals?
Replies: 286
Views: 42354

Re: What are Costco's best deals?

Thus far haven't even walked into a Costco store but have saved quite a bit on car rentals. The membership more than paid for itself on the first rental and the 2nd is allowing me to rent at the airport for the same price I would have gotten in town :happy
by Brian2d
Wed Feb 25, 2015 1:20 pm
Forum: Personal Consumer Issues
Topic: Subaru and Consumer Reports ratings
Replies: 100
Views: 13454

Re: Subaru and Consumer Reports ratings

I looked at both the Forester and the Outback and decided after test driving both to go with the Outback, which I liked better, for about $1,400 more than the Forester would have been. Haven't picked up the car yet (will do so in March when I move), but while I liked both I decided the larger car, s...
by Brian2d
Mon Feb 23, 2015 12:14 pm
Forum: Investing - Theory, News & General
Topic: Keep brokerage account at Vanguard?
Replies: 11
Views: 1981

Keep brokerage account at Vanguard?

Hi all, I am satisfied with Vanguard mutual funds and have no intention to move those, but I am questioning moving my brokerage account elsewhere. If so, I would do an in-kind transfer of assets (I don't own any Vanguard ETFs). Two things have prompted me to consider moving this. 1. In January, I wa...
by Brian2d
Mon Feb 23, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: Cross Country Ski Gear Tips/Destinations
Replies: 31
Views: 1867

Re: Cross Country Ski Gear Tips/Destinations

I second Trapp Family Lodge at Stowe. Stowe also has its own XC center and the two are connected which is nice. My second favorite in the NE is Mt. Van Hoevenberg-Cascade (also connected) in Lake Placid. Moving to Colorado next month so any advice on best places in Colorado for XC would be much appr...
by Brian2d
Tue Jan 27, 2015 11:01 am
Forum: Personal Consumer Issues
Topic: Rental Car Prices - is this the new normal ?
Replies: 89
Views: 10761

Re: Rental Car Prices - is this the new normal ?

Thanks for the Costco tip. I just signed up for a membership after reading this forum for $55 and already saved $50 on my first rental which will be this Thursday. Looks like the membership will pay for itself pretty soon.
by Brian2d
Sat Jan 03, 2015 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Poll: Esoteric fund choice / comparison S&P500 vs Large-cap
Replies: 17
Views: 1876

Re: Poll: Esoteric fund choice / comparison S&P500 vs Large-

Flipped a coin. Came up heads, so I vote for the s&p fund.
by Brian2d
Thu Jan 01, 2015 10:12 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 7158

Re: Test drive new vehicle without sales pressure?

Thanks...i should add that my specific issue is with the push to buy now and asking about my decision making process and whatever....I have no problem hearing about the benefits of the car.
by Brian2d
Thu Jan 01, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 7158

Re: Test drive new vehicle without sales pressure?

Mudpuppy - will likely do that once I've narrowed the list down a bit.
by Brian2d
Thu Jan 01, 2015 9:26 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 7158

Re: Test drive new vehicle without sales pressure?

I wish there was a DYI option here like we have with investment. Here I have to deal with the commissioned salesperson.
by Brian2d
Thu Jan 01, 2015 6:53 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 7158

Re: Test drive new vehicle without sales pressure?

Thanks all for the advice. Signed up for an Enterprise Car Share acct so I can test a couple of the cars by the hour...However for a couple of them that won't work.
by Brian2d
Thu Jan 01, 2015 4:15 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 7158

Re: Test drive new vehicle without sales pressure?

Today I was refused a test drive at one of the dealerships because I said I wasn't buying today. At the second dealership I played along, got the test drive, but had to listen to the sales crap.
by Brian2d
Thu Jan 01, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: Test drive new vehicle without sales pressure?
Replies: 60
Views: 7158

Test drive new vehicle without sales pressure?

Hi all, Hope this is the right forum, feel free to move if it is not I'm looking at buying a new car for the first time in my life. I want to do test drives but I cannot stand the sales pressure I am getting to move quickly (I know I will resist it but find it irritating and just don't want to deal ...
by Brian2d
Mon Dec 22, 2014 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Moving to lower-tax state: 401k contribs
Replies: 3
Views: 981

Moving to lower-tax state: 401k contribs

Hi all,

I will be moving from a higher tax to a lower tax state in March-April of 2015.

If I front-load 401k contributions, will that have the effect of lowering my income earned in the higher-tax state, or will I owe the same at the end of the year regardless of when the contributions occur?
by Brian2d
Tue Dec 02, 2014 11:08 pm
Forum: Investing - Theory, News & General
Topic: I need to stop looking at the market everyday!
Replies: 36
Views: 4413

Re: I need to stop looking at the market everyday!

If the market goes up I think about my net worth going up. If the market goes down, I think about the fact that I'm getting a sale on my new investments. Look at the glass half full either way. :D
by Brian2d
Mon Dec 01, 2014 11:34 am
Forum: Investing - Theory, News & General
Topic: Ken Fisher - Why I hate annuities
Replies: 69
Views: 7632

Re: Ken Fisher - Why I hate annuities

Single premium immediate annuities and variable annuities with secondary guarantees are two very different products and should not be lumped together.

It sounds like Ken Fisher is opposed to the latter but instead of specifying this just says he's against annuities in general.
by Brian2d
Wed Nov 26, 2014 3:53 pm
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 75
Views: 4921

Re: POLL: Attitude Towards Risk

B I'm getting compensated for taking risk, D I'm not. So B and C.
by Brian2d
Wed Nov 19, 2014 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: New teenage driver - which car for insurance
Replies: 31
Views: 4065

Re: New teenage driver - which car for insurance

Jack FFR1846 wrote: At the end of the day, why would you ask a bunch of annonymous internet people rather than your insurance agent?


I thought asking annonymous internet people rather than insurance agents for advice was what Bogleheads is all about. :wink:
by Brian2d
Mon Oct 20, 2014 9:50 am
Forum: Investing - Theory, News & General
Topic: What's a good fund to do a backdoor Roth IRA with?
Replies: 5
Views: 722

Re: What's a good fund to do a backdoor Roth IRA with?

I deposit first to my traditional IRA money market. Once the contribution is posted (1-2 days) I transfer from traditional money market to Roth IRA in the fund I want (usually VTSAX or VTIAX).
by Brian2d
Sun Oct 19, 2014 10:06 pm
Forum: Investing - Theory, News & General
Topic: Just curious: What if markets were open 24/7
Replies: 8
Views: 1523

Just curious: What if markets were open 24/7

Purely hypothetical.

What would it mean for investors if markets were open 24/7 and anyone could make any trade at any time? Would this be desirable? Why or why not?
by Brian2d
Wed Oct 15, 2014 8:10 pm
Forum: Investing - Theory, News & General
Topic: New case of Ebola in U.S.: Is it the latest market headwind?
Replies: 13
Views: 1526

Re: New case of Ebola in U.S.: Is it the latest market headw

As long as we can cite specific cases as to why we're worried, rather than the number of cases, it's not worth worrying about. May be a good time to buy airline stocks...which ones are likely most impacted (without just cause) by this.
by Brian2d
Thu Oct 09, 2014 8:47 pm
Forum: Investing - Theory, News & General
Topic: It's a good day to be Heavy in Bonds ---- 10-09-2014.......
Replies: 13
Views: 1970

Re: It's a good day to be Heavy in Bonds ---- 10-09-2014....

I get paid tomorrow, hope market doesn't bounce back til after then.
by Brian2d
Tue Oct 07, 2014 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: How high of 401k expenses can you tolerate?
Replies: 3
Views: 485

Re: How high of 401k expenses can you tolerate?

Depends on how long you expect to remain with employer. If you expect to be with the employer a short time, the future tax-deferred growth will outweigh the cost of the crappy 401k. Conversely, the longer you're there, the longer the higher fees would eat into the return and the greater the likeliho...
by Brian2d
Tue Oct 07, 2014 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard > Fidelity 401k & Should I Buy New Company's Stock?
Replies: 5
Views: 719

Re: Vanguard > Fidelity 401k & Should I Buy New Company's St

Agree with dbr if your company is willing to give you stock on advantageous terms that are not available to the public it is worth considering (my previous company had terms which were way too good to pass up). Otherwise absolutely avoid it as you already have your human capital linked at least to s...
by Brian2d
Thu Oct 02, 2014 1:51 pm
Forum: Personal Finance (Not Investing)
Topic: Ameriprise 12b-1 fee; can it be waived?
Replies: 4
Views: 641

Re: Ameriprise 12b-1 fee; can it be waived?

I believe that front end loads can be waived on any class A share funds.

However, I believe the only way to get 12b1 fees waved is to have a share class of a fund that doesn't have any 12b1 fee. From the ticker symbols you should be able to tell if he's paying a 12b1 fee or not.
by Brian2d
Mon Jul 21, 2014 11:11 pm
Forum: Investing - Theory, News & General
Topic: NY Times Article - a case for index investing
Replies: 23
Views: 3292

Re: NY Times Article - a case for index investing

I also found it interesting (and fairly typical of mainstream media articles) that he compared the two small cap funds to the S&P 500 when there are far better benchmarks for a small cap fund, such as a small cap index. Overall a good article though, and I wonder if the fund managers' humility m...
by Brian2d
Sat Jul 19, 2014 3:19 pm
Forum: Investing - Theory, News & General
Topic: I was tempted to market time and didn't
Replies: 19
Views: 2049

I was tempted to market time and didn't

As part of the Boglehead philosophy, I have avoided market timing and have not done so since I've started reading this forum. However, after the events on Thursday, I was tempted to after the big drop on Thursday which I had a feeling was due to an overreaction to events that would likely reverse (n...
by Brian2d
Sun Jun 22, 2014 8:15 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 57
Views: 6959

Re: Anyone switch to non-branch banking?

Livesoft, any time when you needed $ in an emergency? How did you handle it?
by Brian2d
Sun Jun 22, 2014 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone switch to non-branch banking?
Replies: 57
Views: 6959

Anyone switch to non-branch banking?

Hi all, Thinking about switching to Schwab's checking account, as I like the features. However, still leaning against it because I have good branch alternatives (granted the terms are not quite as good) and I worry about being able to get out more than the max amount I can withdraw from an ATM in an...

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