Search found 1854 matches

by Da5id
Wed Feb 21, 2018 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?
Replies: 47
Views: 1872

Re: Need Help Understanding 2017 ACA Insurance Bill for $28,690 and tax liabilities? Confused? Help?

OP, have you figured out if your health plan is an HDHP eligible for HSA contributions? I have my doubts given the high premium, but who knows?
by Da5id
Wed Feb 21, 2018 11:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Funds Launch
Replies: 24
Views: 2610

Re: Vanguard US Multifactor Funds Launch

The institutional investor article is really interesting. Makes me feel better about waffling on factors (and not deviating from 3 fund) even if it is partially correct.
by Da5id
Tue Feb 20, 2018 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2477

Re: Connecticut is charging sales tax on out of state purchases

I think the states should be satisfied with what they get from the big guys (Amazon, LLBean, etc). Although Amazon only charges on what they sell, not for the vendors who sell through the Amazon website. Or have a uniform tax applied equally across all states (unless a state opts out) and have all ...
by Da5id
Tue Feb 20, 2018 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Connecticut is charging sales tax on out of state purchases
Replies: 40
Views: 2477

Re: Connecticut is charging sales tax on out of state purchases

Recently somewhere I read (can't recall where) where Penna was going to require vendors to send a report to Dept of Rev listing sales made to PA customers. PA residents are supposed to report/pay use tax with income tax return. Don I wonder how they would enforce that for out-of-state vendors witho...
by Da5id
Tue Feb 20, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 95
Views: 7812

Re: What if you only live off dividends?

Most people will not have enough savings to live off the dividends of a balanced portfolio anyway. Sometimes they then skew their portfolio to too high a percentage of dividend paying stocks or to too high a percentage of dividend paying bonds. This might provide more income from dividends, but it ...
by Da5id
Thu Feb 15, 2018 11:36 am
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 86
Views: 4886

Re: I didn't tax-loss harvest this month, did you?

I did harvest a smallish ($600) loss on VFSUX (short term investment grade bond) yesterday. I had been waffling on whether it was even worth it, but decided to do it. I'm very far from TLH on any of my taxable stock holdings though, as I've not been buying stock in taxable, and not reinvesting divid...
by Da5id
Thu Feb 15, 2018 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Just added Total Int'l Stock; add Total Int'l Bond too?
Replies: 25
Views: 1859

Re: Just added Total Int'l Stock; add Total Int'l Bond too?

A perfchart of BND and BNDX is instructive. Not what their yields would suggest. I don't have international bonds myself as 3 fund is simpler and I haven't seen that they add that much. But I'm still a bit confused given that BNDX had a yield of 0.86% and currency is at least partially hedged why i...
by Da5id
Wed Feb 14, 2018 1:28 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 12792

Re: I-Bonds?

tipswatch also says here https://seekingalpha.com/article/4146545-u-s-inflation-jumped-0_5-percent-january-higher-expected?page=2# that If you are planning an investment in I Bonds in 2018, you would be wise to wait until the March 2018 inflation report is issued at 8:30 a.m. EST on April 11. That w...
by Da5id
Wed Feb 14, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 95
Views: 7812

Re: What if you only live off dividends?

How many people retire 100% VTSX, a 40/60 4 fund of VTI,VEU,BND,and VCIT returns about 2.5% which is what some posters(the sky is falling) here advocate as the new SWR. I take my dividends and sell enough to get to my SWR of about 3.75 I think 2.5% advocates are rare. Some may have that amount, but...
by Da5id
Tue Feb 13, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 95
Views: 7812

Re: What if you only live off dividends?

Yes, I neglected to place the phrase "live off dividends" in quotes. But you miss my main points about how planning is just planning and that the reality - one's actual withdrawal strategy - can't be precisely predicted in advance. Well, one can plan based known revenue streams, like your pension. ...
by Da5id
Tue Feb 13, 2018 12:29 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 95
Views: 7812

Re: What if you only live off dividends?

We live off dividends and aren't what I consider rich. We are able to do so because the dividends from taxable funds supplement our pensions to provide living expenses. Once we reach FRA, we won't even 'need' the dividends. We didn't plan it this way - it just happened organically. We never once in...
by Da5id
Tue Feb 13, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 95
Views: 7812

Re: What if you only live off dividends?

Many people worry whether a 4% SWR will work in the future. Complicated attempts have been made to calculate a new SWR. Mainstream strategies use a total return approach and will liquidate a share of principal each year to meet the SWR payment. The assumption is that the assets will grow back. What...
by Da5id
Mon Feb 12, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 8616

Re: Tenants want to break lease early and is pregnant update

they are breaking the lease and have already signed another lease with their new landlord which i think was not the right thing to do. Why is that not the right thing to do? Would you expect them to not have another place lined up? If their breaking this lease was contingent on not having to pay fo...
by Da5id
Sat Feb 10, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 8616

Re: Tenants want to break lease early and is pregnant

People don't seem to want to treat this as a business. I'm glad I'm not a landlord, as I'd probably be a softie too. That said, this is first and foremost a business relationship. The lease was a contract binding the tenants, but it also gave them something of value. Namely, that the landlord, who w...
by Da5id
Fri Feb 09, 2018 2:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard article on recent volatility
Replies: 1
Views: 289

Vanguard article on recent volatility

Following just came out.

https://investornews.vanguard/how-to-na ... rrections/

Nothing much there bogleheads don't know, but thought I'd post it anyway.
by Da5id
Fri Feb 09, 2018 10:04 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup - Major Life Event
Replies: 17
Views: 2381

Re: Portfolio Checkup - Major Life Event

And what are your goals? Is your non-EF portfolio all for retirement? Some for a house you are buying in X years? As to your huge emergency fund, you know best. But if you need one that big, might want to look at ways to make it work harder. e.g. you could buy I-bonds, which are pretty good for emer...
by Da5id
Fri Feb 09, 2018 9:26 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

31 years old 68% stocks 32% bond, CD's, cash, commodities, etc. that is very, very conservative for your age - i'm not even considering bonds until 40 but whatever keeps you invested This isn't the thread for this, but you don't have enough info to say that. If that money is all aimed at retirement...
by Da5id
Fri Feb 09, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

TIAA just sent me an email this evening. Below is an excerpt. "The recent volatility in financial markets is top-of-mind for many investors, and we wanted to offer you our perspective on these events. Throughout our nearly 100-year history, we have seen this type of market volatility many times bef...
by Da5id
Fri Feb 09, 2018 8:06 am
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 72
Views: 8104

Re: Ally online savings now at 1.45%

They may also be getting pushed by mutual fund money markets finally. Vanguard Prime is 1.45% as well, perhaps not a coincidence? As to CD rates, have to guess that they are being pushed up as bond yields are rising as they are somewhat competitive. If you can get a better rate on a treasury note th...
by Da5id
Thu Feb 08, 2018 7:51 pm
Forum: Investing - Theory, News & General
Topic: RBD alert [Really Bad Day]
Replies: 86
Views: 10051

Re: RBD alert [Really Bad Day]

Honestly curious, would you consider stating your motivation for posting cryptic things about your "RBD system"? Because I have difficulty seeing positive motivation to do so. For the RBDs so far in 2018 I haven't posted much except when asked. For most investors, RBDs are good days to consider whe...
by Da5id
Thu Feb 08, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: RBD alert [Really Bad Day]
Replies: 86
Views: 10051

Re: RBD alert [Really Bad Day]

More generally, would you care to share an outline of your Advanced RBD system? Of course not. It is written many times on this forum that if somebody discovered the road to easy wealth from buying and selling investments, then they would not divulge their secret. I won't know what I will buy tomor...
by Da5id
Thu Feb 08, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 8616

Re: Tenants want to break lease early and is pregnant

My inclination is to have them pay or (if you allow) find subletters. If they gave enough notice that you can find new tenants, I'd let them off the hook though. I really doubt subletting is possible/practical for just the 1-2 months. Depends on the area. Maybe in a college town it would fly.
by Da5id
Thu Feb 08, 2018 3:57 pm
Forum: Personal Finance (Not Investing)
Topic: Tenants want to break lease early and is pregnant
Replies: 105
Views: 8616

Re: Tenants want to break lease early and is pregnant

My inclination is to have them pay or (if you allow) find subletters. If they gave enough notice that you can find new tenants, I'd let them off the hook though.
by Da5id
Thu Feb 08, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

VictoriaF wrote:
Thu Feb 08, 2018 3:48 pm
DanMahowny wrote:
Thu Feb 08, 2018 3:47 pm
Dow 14,000 by 2019-20. Here we go.
This year's Bogleheads contest will be won by a contrarian.
Absolutely maybe. To make a decisive prediction, it will end the year above or below today's close.
by Da5id
Thu Feb 08, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

GoldenFinch wrote:
Thu Feb 08, 2018 3:45 pm
This is a tiny bit over dramatic.
Says the man who can still afford sushi!
by Da5id
Thu Feb 08, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

On the positive side, CAPE10 has now fallen to 31.77, down a few points. The future looks brighter every day it falls! (joking, mostly)
by Da5id
Thu Feb 08, 2018 12:55 pm
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 2642

Re: How to short TSLA?

Short the stock, be patient, you'll be rewarded nicely. Just be prepared for the backlash if you mention it later- some people around here get angry at anyone that's not a full fledged TSLA cheerleader. Cite me "some" TSLA cheerleaders in Bogleheads? The stock, not the car. For me, the bigger risk ...
by Da5id
Thu Feb 08, 2018 12:34 pm
Forum: Investing - Theory, News & General
Topic: How to short TSLA?
Replies: 50
Views: 2642

Re: How to short TSLA?

Believing Tesla is overhyped/overpriced and due for a fall is quite reasonable. But not, IMHO, something worth investing in by shorting (short is terrible idea for you, with potential for unlimited loss) or buying put options (less bad idea, still bad). If you are tempted to buy put options, um, you...
by Da5id
Thu Feb 08, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

10 year treasure yield is already 2.87%. Close to 3.0%. Wait. Be patient. I’ve seen this mentioned before - does it historically signal another sell off? Ive been so tempted to keep buying buying that I need to force myself to put money into actual savings 10 year treasure is the most secured gover...
by Da5id
Thu Feb 08, 2018 12:22 pm
Forum: Investing - Theory, News & General
Topic: ETFs more tax efficient
Replies: 9
Views: 692

Re: ETFs more tax efficient

The structure of ETFs can provide some amount of greater tax efficiency. Vanguard has structured their funds so that ETFs are simply a share class of the fund. Admiral shares have the same expense ratios and tax efficiency as the ETF class. One difference is the accumulated capital gains. Because f...
by Da5id
Thu Feb 08, 2018 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Amex Personal Savings CD Withdrawal policy changing as of April 1
Replies: 1
Views: 285

Re: Amex Personal Savings CD Withdrawal policy changing as of April 1

Just noticed that American Express Personal Savings is changing their withdrawal penalties for CDs issued as if April 1,2018. Fair enough, and certainly worth noting for those who have been for years had small enough CD early withdrawal penalties to basically disregard them. 270-365 days interest c...
by Da5id
Thu Feb 08, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

2Birds1Stone wrote:
Thu Feb 08, 2018 11:25 am
fantasytensai wrote:
Thu Feb 08, 2018 11:25 am
Anyone else buying today, or trying to avoid catching a falling knife?
Waiting for the bottom ;)
Keeping powder dry.

(just kidding, felt like adding a cliche to the chain)
by Da5id
Thu Feb 08, 2018 11:24 am
Forum: Investing - Theory, News & General
Topic: ETFs more tax efficient
Replies: 9
Views: 692

Re: ETFs more tax efficient

The structure of ETFs can provide some amount of greater tax efficiency. Vanguard has structured their funds so that ETFs are simply a share class of the fund. Admiral shares have the same expense ratios and tax efficiency as the ETF class. One difference is the accumulated capital gains. Because f...
by Da5id
Thu Feb 08, 2018 11:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

Modeling your AA after a billionaire is unwise. Buffett buys whole companies, or majority shares in companies. For personal investing he has repeatedly recommended staying in the market, in index funds. While I agree with your main point, he buys minority shares too. They own 0.01% to 27.25% of a w...
by Da5id
Thu Feb 08, 2018 9:48 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale question
Replies: 24
Views: 1352

Re: Wash Sale question

livesoft wrote:
Thu Feb 08, 2018 9:26 am
^Back in May, what were savings accounts paying?
I parsed it differently than you. I interpreted it as "the funds ARE for use in May". You as "the funds were set aside in May". Regardless, if it was for a short term goal an intermediate term bond fund seems like the wrong choice.
by Da5id
Thu Feb 08, 2018 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale question
Replies: 24
Views: 1352

Re: Wash Sale question

1) Yes it is in a taxable account. I kept aside some funds for use in May, decided to keep it in VBTLX till then instead of savings account. Is there a better option? Yes, a high yield bank account. Money you need in May shouldn't really be in a bond fund with an average duration of 6+ years. You c...
by Da5id
Wed Feb 07, 2018 6:44 pm
Forum: Investing - Theory, News & General
Topic: Indexing the next bubble?
Replies: 24
Views: 2753

Re: Indexing the next bubble?

...Got it. I was being blind... Don't feel bad, it's because anti-indexers were drawing the wool over your eyes. Nah, I'm not very open to anti-indexing arguments. I'm slow to change what I do, and figure if SPIVA shows active funds somehow gaining an advantage I'll take notice after a respectable ...
by Da5id
Wed Feb 07, 2018 3:51 pm
Forum: Investing - Theory, News & General
Topic: Indexing the next bubble?
Replies: 24
Views: 2753

Re: Indexing the next bubble?

It doesn't need to buy shares because the doubling in share price will cause the market cap to double without buying shares. Consider a stock market with two stocks, A & B, each with 100 shares available at $10/share. Total market is $2000 ($1000 each, which is the market cap). Your fund owns 10 sh...
by Da5id
Wed Feb 07, 2018 1:16 pm
Forum: Investing - Theory, News & General
Topic: Indexing the next bubble?
Replies: 24
Views: 2753

Re: Indexing the next bubble?

Is that really true though? Indexing is cap weighted. If individual investors/active funds bid up a companies stock, the index buys more of it too. That's not true. A cap-weighted fund does not need to buy/sell shares when stock prices increase/decrease. That is why a cap-weighted total market fund...
by Da5id
Wed Feb 07, 2018 9:51 am
Forum: Investing - Theory, News & General
Topic: Indexing the next bubble?
Replies: 24
Views: 2753

Re: Indexing the next bubble?

I don't understand why investing in indexes would cause a bubble more than any other sort of equity investment. In fact, index investing helps ameliorate bubbles as it prevents capital from being over concentrated in a single company or sector due to bubble psychology. Is that really true though? I...
by Da5id
Wed Feb 07, 2018 9:47 am
Forum: Investing - Theory, News & General
Topic: Stealing from the kids for our retirement [High valuations => depressed future returns expectations]
Replies: 54
Views: 5312

Re: Stealing from the kids for our retirement

Emotive and not actionable. Use of clickbait "Stealing from the kids". Hmm. What is the point of this? If true, what could or should possibly be done about it? Bleh. Counterpoint is kids will (probably) inherit the benefits of this. Parents will be able to help with college for grandkids if they cho...
by Da5id
Wed Feb 07, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Indexing the next bubble?
Replies: 24
Views: 2753

Re: Indexing the next bubble?

The only way I could imagine indexing fueling a bubble is not the way said here. If people were investing in TSM who would otherwise not have invested in the stock market in any way, seems like that might help fuel a stock market bubble. But I don't think anyone makes that claim. I think this remain...
by Da5id
Wed Feb 07, 2018 7:23 am
Forum: Investing - Theory, News & General
Topic: Indexing the next bubble?
Replies: 24
Views: 2753

Re: Indexing the next bubble?

bottlecap wrote:
Wed Feb 07, 2018 7:06 am
This is posted about every week. Not many people here buy it. Mostly because it doesn't make sense.
The "indexing is a bubble thread" bubble continues!
by Da5id
Tue Feb 06, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Market Timing
Replies: 71
Views: 3628

Re: Market Timing

Most Bogleheads would agree that market timing is making buy/sell decisions in direct response to market performance. It need not necessarily be driven by a belief about future returns going one way or the other. For instance, those engaged in rules-based trend following can expect to make many tra...
by Da5id
Tue Feb 06, 2018 3:50 pm
Forum: Investing - Theory, News & General
Topic: Where Are The 100% Equity Bulls? BND up .44%
Replies: 47
Views: 4672

Re: Where Are The 100% Equity Bulls? BND up .44%

Today's market shows that this thread is ill conceived. BND (total bond) is down currently 0.29%, VTI (total stock) is up 1.31%. A day/month/year's results is not relevant to the decision of how much/whether one should hold bonds.
by Da5id
Tue Feb 06, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Recently divorced trying to clear all of my credit card debt.
Replies: 46
Views: 2960

Re: Recently divorced trying to clear all of my credit card debt.

omeganuts0213 wrote:
Tue Feb 06, 2018 2:50 pm
I would look into signing up those promo 0% credit cards for 12 - 18 months ...
High percentage of credit utilized and other factors may make it difficult to get new cards at all, especially with those terms? But maybe.
by Da5id
Tue Feb 06, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Market Timing
Replies: 71
Views: 3628

Re: Market Timing

It is possible that at various points there MAY have been some viable market timing strategies. May still be some. Who knows. Once they become known I'd imagine they'd be arbitraged away. And it is hard to know if one has figured out such a strategy or not prospectively... It's hard to "arbitrage a...
by Da5id
Tue Feb 06, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

rebalancing = buying/selling assets to move towards a pre-determined allocation when market gains/loses have triggered a need to do so, generally by a pre-determined rebalancing criteria timing = buying/selling assets because of a belief that you have foreknowledge of the market direction and are o...
by Da5id
Tue Feb 06, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

No, that was yesterday (mostly). Nikkei reference is Japan market open vs VXUS is US market open. So you are saying this: https://www.marketwatch.com/investing/index/nik?countrycode=jp Is not current also? Hmm. I'm confused. Things are very fluid right now...Nikkei is closed. With Nikkei closed, ho...
by Da5id
Tue Feb 06, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 5576
Views: 1262542

Re: U.S. stocks in freefall

inbox788 wrote:
Tue Feb 06, 2018 1:15 pm
No, that was yesterday (mostly). Nikkei reference is Japan market open vs VXUS is US market open.
So you are saying this: https://www.marketwatch.com/investing/i ... trycode=jp

Is not current also? Hmm. I'm confused.