Search found 3192 matches

by DaftInvestor
Thu Dec 14, 2017 8:03 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 25
Views: 3635

Re: TurboTax Prices

So for those who plan on buying TurboTax (that includes me), what vendor has historically offered the best prices, and roughly when? I have camelcamelcamel track the Amazon price for me. Last year I found that Amazon was periodically dropping the price for the CD (Premier with fed/state - product I...
by DaftInvestor
Thu Dec 14, 2017 7:45 am
Forum: Investing - Theory, News & General
Topic: ESPP - Would you participate and what's your strategy
Replies: 24
Views: 1589

Re: ESPP - Would you participate and what's your strategy

Max it out And sell immediately. Very little risk unless you work in an M&A department or something (and are blocked from trading for long periods due to specific insider trading knowledge). Its practically extra money in the bank provided you sell right away.
by DaftInvestor
Wed Dec 13, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: How much did you contribute to your 401k in 2017?
Replies: 117
Views: 6639

Re: How much did you contribute to your 401k in 2017?

Max 401K for me.
Spouse is a Stay-at-home-Mom - backdoor-Roth for her.
by DaftInvestor
Wed Dec 13, 2017 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?
Replies: 176
Views: 4649

Re: Thoughts on using safe-ish investments to buy S&P 500 on margin in December?

You decided to move all your stock mutual funds into High-Yield Bond funds (or at least this is what you stated in another thread) and now you are considering buying back into S&P on margin? Do I have this right? Nothing about what you are stating is very Bogle-heady as no Bogle-heady book/source/re...
by DaftInvestor
Wed Dec 13, 2017 5:08 pm
Forum: Investing - Help with Personal Investments
Topic: Office party secret santa, how to give the gift of investing?
Replies: 17
Views: 778

Re: Office party secret santa, how to give the gift of investing?

It's too bad that Vanguard, Fidelity, or Schwab don't sell some sort of gift card that can ONLY be used to buy securities/ETFs/MFs. If they did - its something I'd be tempted to buy for children and nieces and nephews as college graduation gifts - what a better way to convince someone to start a Rot...
by DaftInvestor
Wed Dec 13, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: Who is Right Me or Spouse
Replies: 51
Views: 2964

Re: WHO IS RIGHT ME or SPOUSE

I agree with your wife but I suppose it all depends upon how you view marriage. I view marriage as a bond between families that is as strong as blood. Thus - since the wife who married your grandson is now married into your family she should be treated equally so she should get the same gift amount ...
by DaftInvestor
Wed Dec 13, 2017 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 144
Views: 23210

Re: Fidelity free Turbotax

When I price-compared last year I found a CD order from Amazon was the cheapest option (versus a download even with a supposed discount from various sources). The CD also had the advantage of having a license that allowed it to be loaded on multiple computers for immediate family use (of course thi...
by DaftInvestor
Wed Dec 13, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity free Turbotax
Replies: 144
Views: 23210

Re: Fidelity free Turbotax

When I price-compared last year I found a CD order from Amazon was the cheapest option (versus a download even with a supposed discount from various sources). The CD also had the advantage of having a license that allowed it to be loaded on multiple computers for immediate family use (of course this...
by DaftInvestor
Wed Dec 13, 2017 3:32 pm
Forum: Personal Consumer Issues
Topic: Sams Club self checkout
Replies: 8
Views: 788

Re: Sams Club self checkout

My local grocery store recently removed all the self-checkouts (there were four of them) as they simply had too many problems with them.
by DaftInvestor
Wed Dec 13, 2017 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Account for yearly vacations
Replies: 16
Views: 965

Re: Investment Account for yearly vacations

I fund vacations out of cash-flow (I'm not retired so for me this is currently from my primary income). My primary investment accounts serve only longer term goals (Retirement; College). I don't use a separate savings account to save for vacations and short-term large purchases - I simply plunk the ...
by DaftInvestor
Wed Dec 13, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: How to deal with Micro-manager
Replies: 42
Views: 3576

Re: How to deal with Micro-manager

The tact I've always taken throughout my career when dealing with micro-managers is: "Learn to get with the program or find another program to get with" I've had some micro-managers that I simply humored by providing to them what they wanted. Over time some of these are discovered to be poor manager...
by DaftInvestor
Wed Dec 13, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: Jim Simons Medalion fund averages 71.8% annual return
Replies: 26
Views: 3903

Re: Jim Simons Medalion fund averages 71.8% annual return

is this his only fund?
I was once pitched by a private equity company and they showed me three successful funds they had. Each of them cleared over 75% yearly returns. What they failed to tell me is that they had another dozen funds - some of which lost nearly 100% :happy
by DaftInvestor
Wed Dec 13, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: I-bonds in December
Replies: 10
Views: 2043

Re: I-bonds in December

If you are earmarking for education why not just stick with 529? Are you concerned about overfunding? iBonds: Taxfree growth for education but you get the ibond rate. No state-deductions on contributions. If not used by education - can be used for other purposes (but will have to pay taxes on earnin...
by DaftInvestor
Wed Dec 13, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Should I file taxes w/o her?
Replies: 54
Views: 3613

Re: Should I file taxes w/o her?

"I am not complaining...... I was murdered by taxes" Sounds like a complaint to me with a strong word like "murder" :) There's nothing wrong with complaining about paying taxes - we all do. The two options I am aware of to get your effective tax rate back to what it was before you were married: 1) G...
by DaftInvestor
Wed Dec 13, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: Best albums of 2017
Replies: 15
Views: 1913

Re: Best albums of 2017

badbreath wrote:
Sun Nov 19, 2017 3:00 am
There are albums still? Or as my kid says big black CD's
Album definition:
"A collection of recordings issued as a single item on CD, record, or another medium"

You can download full albums from itunes or other digitial-media means - its not synonymous with a 33RPM-Record.
by DaftInvestor
Wed Dec 13, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Almost fell off my chair...
Replies: 16
Views: 4351

Re: Almost fell off my chair...

Congratulations.
If you hear about a market crash in the news at some point in the coming weeks/months/years - the best thing for you to do might be not to log in and look until things are on the way to recovery :)
by DaftInvestor
Wed Dec 13, 2017 10:45 am
Forum: Personal Consumer Issues
Topic: UPS, FedEx, etc. delivery to Post Office
Replies: 4
Views: 460

Re: UPS, FedEx, etc. delivery to Post Office

You have more faith in your local Post Office than I do. Given the record my local post office has had of losing things I trust I will have better luck of picking up a package from UPS/Fedex/AMZN/Laser-Ship off my door-stoop before a thief does versus having it not be lost at my local Post Office. P...
by DaftInvestor
Wed Dec 13, 2017 10:18 am
Forum: Personal Finance (Not Investing)
Topic: pay down mortgage or invest in taxable
Replies: 15
Views: 1535

Re: pay down mortgage or invest in taxable

As KlangFool mentioned; if you have kids and plan to pay for their college putting money in a 529 is a great way to get tax-free growth. If that isn't the case - I would do a bit of both - put a little into taxable monthly towards retirement (enough to meet retirement goals assuming you are DCA'ing ...
by DaftInvestor
Wed Dec 13, 2017 9:45 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Don’t Write Off Value
Replies: 20
Views: 2663

Re: Larry Swedroe: Don’t Write Off Value

It's been a rough decade for SCV, but I agree with Larry and Random Walker that at some point, impossible to say when, it will shine again. Persistent long term underperformance makes things cheaper and therefore it may actually improve the expectation (but not guarantee) of improved long term retu...
by DaftInvestor
Wed Dec 13, 2017 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Prepayment of Property Taxes with Escrow
Replies: 9
Views: 572

Re: Prepayment of Property Taxes with Escrow

I'd simply call them (bank holding your escrow) and ask.
by DaftInvestor
Tue Dec 12, 2017 8:26 pm
Forum: Personal Consumer Issues
Topic: Purchasing Airline Tickets
Replies: 31
Views: 2458

Re: Purchasing Airline Tickets

If you wait until 6-8 weeks before traveling you might get a better price BUT on the other hand - you then won't be able to lock in your flights and start planning the rest of your trip (and will end up with poor seating). This is one of those areas where saving a couple of hundred just isn't worth ...
by DaftInvestor
Tue Dec 12, 2017 5:43 pm
Forum: Investing - Theory, News & General
Topic: Tilting sectors, regions and countries? Which ones.
Replies: 14
Views: 873

Re: Tilting sectors, regions and countries? Which ones.

.. am looking at underweighting energy and consumer staples and overweighting technology and consumer discretionary ... Interesting. With valuations where they are today in technology I would be tempted to do the opposite to you here assuming technology have had a good run up (led by FAANG stocks)....
by DaftInvestor
Tue Dec 12, 2017 5:37 pm
Forum: Investing - Theory, News & General
Topic: Does any indicator not predict a 2000/2007'ish crash?
Replies: 47
Views: 2499

Re: Does any indicator not predict a 2000/2007'ish crash?

Some people are feeling fearless but its because job creation is up, consumer-confidence is up, the GDP is up, growth is increasing, ... all with more fuel expected with a corporate tax cut which could propel growth further ... I would think 2018 a year of more exuberance with perhaps a crash in 20...
by DaftInvestor
Tue Dec 12, 2017 5:21 pm
Forum: Investing - Theory, News & General
Topic: Does any indicator not predict a 2000/2007'ish crash?
Replies: 47
Views: 2499

Re: Does any indicator not predict a 2000/2007'ish crash?

A crash seems inevitable in 2018. This is what some folks came on posting last year...and the year before...and the year before. It seems to me we could have another GREAT year. Why does it seem different to you? The psychology wasn't this "boomy" in 2015. We had just come off of 2014 which had sli...
by DaftInvestor
Tue Dec 12, 2017 5:03 pm
Forum: Investing - Theory, News & General
Topic: Does any indicator not predict a 2000/2007'ish crash?
Replies: 47
Views: 2499

Re: Does any indicator not predict a 2000/2007'ish crash?

whiteprius wrote:
Tue Dec 12, 2017 4:43 pm
A crash seems inevitable in 2018.
This is what some folks came on posting last year...and the year before...and the year before.
It seems to me we could have another GREAT year.
Why does it seem different to you?
In any case - Best of luck.
by DaftInvestor
Tue Dec 12, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 5538

Re: Can we afford to live on one income?

... it's pretty rare: only ~20% of married households have a stay at home parent... I would call 0.2% pretty rare. 20% (1/5 of households) is a lot higher than I would have guessed. That number could be misleading. I looked at the link and it is counting any households with kids under 18 so a lot o...
by DaftInvestor
Tue Dec 12, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: How to report property tax
Replies: 6
Views: 351

Re: How to report property tax

You should report it the same exact way your reported it when the bank was paying it for you versus you paying it yourself - you just need to save your own statements and receipts in case you are audited. If you autopaid it - did you download a PDF statement of the bill? Or did you get the bill in t...
by DaftInvestor
Tue Dec 12, 2017 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Gift Card From Employer
Replies: 13
Views: 1362

Re: Gift Card From Employer

In my company all gifts are income. As big thank you's to the top employees several $10,000 watches were given out one year. Some of the folks didn't realize when they accepted the nice watch that they would be paying income taxes on it (and were shocked to later find out how expense the watch they ...
by DaftInvestor
Tue Dec 12, 2017 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have enough insurance?
Replies: 7
Views: 310

Re: Do I have enough insurance?

if your spouse isn't far behind and can cover expenses if something should happen to you then you may not need any Life-Insurance. Currently she is not. May be soon she will.. but even then, I don't want her to worry about staying in the rate race forever, had I gone! So right now you would leave h...
by DaftInvestor
Tue Dec 12, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do I have enough insurance?
Replies: 7
Views: 310

Re: Do I have enough insurance?

It depends upon the income disparity between you and your spouse. You mention you are the "Main" earner but didn't state what that really means - if your spouse isn't far behind and can cover expenses if something should happen to you then you may not need any Life-Insurance. Without kids the math i...
by DaftInvestor
Tue Dec 12, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 5538

Re: Can we afford to live on one income?

... it's pretty rare: only ~20% of married households have a stay at home parent... I would call 0.2% pretty rare. 20% (1/5 of households) is a lot higher than I would have guessed. Knowing the percentage of married households with children under the age of 18 with a stay at home parent would be a ...
by DaftInvestor
Tue Dec 12, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Year end review with less nerdy spouse
Replies: 67
Views: 6646

Re: Year end review with less nerdy spouse

PPT slides in a family? Uh, no! Actually one year I put together a PPT presentation to my family on our vacation options for the year and they LOVED it. The problem was they wanted me to repeat it every year :) Its been a few years since I walked my spouse through our finances in any level of detai...
by DaftInvestor
Tue Dec 12, 2017 2:40 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 5538

Re: Can we afford to live on one income?

runner540 wrote:
Tue Dec 12, 2017 8:15 am

... it's pretty rare: only ~20% of married households have a stay at home parent...
I would call 0.2% pretty rare. 20% (1/5 of households) is a lot higher than I would have guessed.
by DaftInvestor
Tue Dec 12, 2017 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Best solution for digitizing documents?
Replies: 43
Views: 3473

Re: Best solution for digitizing documents?

Just curious - What types of documents are you finding yourself having to digitize? I access everything I need to in a digitized format. Everything I need already comes in digitized format: PDFs from all my banks, brokerages, Health-care provider, etc. All my bills are sent to my bank digitized. Ins...
by DaftInvestor
Tue Dec 12, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 2283

Re: Concert Decision and Advice

In my experience - if you are talking "Indoor theatre" for an artist you really like you have a much better chance of enjoying yourself. The concerts I have attended (and I've been to many) that left a bad taste with me are the ones at football stadiums whereby it took 90 minutes to exit the parking...
by DaftInvestor
Tue Dec 12, 2017 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: High yield savings account
Replies: 13
Views: 1303

Re: High yield savings account

I have Savings Accounts at gsbank and Synchrony. Both are at 1.3% (I believe Barclays is as well) and have been consistently in the top tier (Ally, CapOne are oftentimes a notch down). Neither has crazy minimums nor maximums and they all have proper english on their websites (I just couldn't bring m...
by DaftInvestor
Tue Dec 12, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: best cashback credit card ?
Replies: 47
Views: 3620

Re: best cashback credit card ?

CIti Doublecash is what I use for most purchases - 2% on everything with no annual fee.
If you are Amazon Prime you should sign up for their 5% back card - I just have that one plugged into my amazon account.
by DaftInvestor
Tue Dec 12, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 154
Views: 15478

Re: What to do after losing $117k in stock market?

Go with #1 - focus on getting out of debt and take a break from the market. When you do get back in - index and think of it as a long term commitment. Don't get caught up in all the water-cooler stories people are telling which is likely the problem you have today (since you are using terms like "fe...
by DaftInvestor
Tue Dec 12, 2017 10:26 am
Forum: Personal Consumer Issues
Topic: prudent buying a refurbished laptop?
Replies: 25
Views: 1673

Re: prudent buying a refurbished laptop?

My concern with refurbished is you just don't know how much it was used - hard drive could be about to go, etc. I've seen new cheap windows machines at Best Buy for $200 so why go with a refurbished? I bought a new Asus at Best Buy at this price as a backup for my household (when one more expensive ...
by DaftInvestor
Tue Dec 12, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 38
Views: 3151

Re: Cheap tablet just for internet surfing

+1 on a Kindle Fire. What some technical folks don't like about the Fire is it is a more closed-off system than getting a regular Android tablet BUT this actually makes it easier to use for folks who aren't as technical. It has a very simple/easy interface (and isn't crazy-overpriced-expensive like ...
by DaftInvestor
Tue Dec 12, 2017 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Play money individual stocks, which ones?
Replies: 49
Views: 2650

Re: Play money individual stocks, which ones?

I quit playing in individual stocks years ago. It became too much of a second job for me doing research and tracking investments and when some of the valuations of the stock I was holding started not making sense I decided it was time to find other hobbies.
by DaftInvestor
Tue Dec 12, 2017 10:00 am
Forum: Investing - Theory, News & General
Topic: $40k to invest: index funds, bonds, or wait?
Replies: 11
Views: 1019

Re: $40k to invest: index funds, bonds, or wait?

If for retirement - just invest it in whatever your retirement asset allocation is.
by DaftInvestor
Mon Dec 11, 2017 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: Stupid question about VTSAX
Replies: 6
Views: 1121

Re: Stupid question about VTSAX

You own the mutual fund that mimics the index by holding a large number of stocks in the index.
by DaftInvestor
Mon Dec 11, 2017 5:35 pm
Forum: Investing - Theory, News & General
Topic: Do DFA Funds have lower trading costs than Index Funds?
Replies: 32
Views: 1479

Re: Do DFA Funds have lower trading costs than Index Funds?

What is often missing in these comparisons is that DFA funds require a financial advisor who charges extra (and may be worth it). This makes the DFA funds more expensive. This isn't necessarily true. I have direct access to DFA funds in my 401K plan and there are no financial advisor costs. Draft I...
by DaftInvestor
Mon Dec 11, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: ? about work bonuses.
Replies: 6
Views: 716

Re: ? about work bonuses.

Your salary, bonus included, is part of monthly expenses and therefore deducted from the branch profit from which the bonus is paid on.
by DaftInvestor
Mon Dec 11, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Can we afford to live on one income?
Replies: 70
Views: 5538

Re: Can we afford to live on one income?

1. Is 12.5% of income enough for retirement contributions for two 32 year-olds with a current $600k portfolio? I know that generally, 12.5% is too low, but we're off to a great start and I feel like it may be sufficient given our great start. Given the fact that $11k of our roughly $16k planned con...
by DaftInvestor
Mon Dec 11, 2017 3:05 pm
Forum: Personal Consumer Issues
Topic: Sweet Gum Balls
Replies: 36
Views: 2473

Re: Sweet Gum Balls

A440 wrote:
Fri Dec 08, 2017 1:30 pm
Here is a link to the product in question: https://baganut.com/collections/pick-up ... -harvester
Thanks for the link - I see they have one made for acorns!
by DaftInvestor
Mon Dec 11, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Sweet Gum Balls
Replies: 36
Views: 2473

Re: Sweet Gum Balls

I find the sweetgum spike balls relatively easy to clean up - its the Oak Acorns that annoy me (A barrel full of them is VERY heavy to move - and my neighbor has enough of them that they are inches thick on one side of my property - I scoop them up by the shovel full - and walking on them is like wa...
by DaftInvestor
Mon Dec 11, 2017 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Upside Down On Vehicle
Replies: 16
Views: 1135

Re: Upside Down On Vehicle

It all depends upon what the finance rate is :)
If you got a 0% loan (or even a loan up to 1.3%) I don't know why you'd want to pay anything on it early (other than just the warm-fuzzy you are looking for).
by DaftInvestor
Mon Dec 11, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2387

Re: What MPG App Do You Use To Track Fuel Usage ?

None. Why would I waste my time tracking something that I have very little ability to change? The data is noise and not actionable. If I drive with a lighter foot and get an extra 2mpg, I'm going to save $100 a year? Do I need to track every tank of gas in order to know that my driving style impact...