Search found 1992 matches

by Earl Lemongrab
Sun Jun 25, 2017 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs or Mutual Funds for an inexperienced investor
Replies: 32
Views: 1468

Re: ETFs or Mutual Funds for an inexperienced investor

When I became serious and started my portfolio, I used ETFs. I did not find them to be difficult at all, even though I was a beginner. I don't consider myself a superior investor. I think anyone who takes a hour or so to read up on the topic will be able to use ETFs without difficulty. So what made...
by Earl Lemongrab
Sun Jun 25, 2017 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 44
Views: 2229

Re: Lump sum investing in stocks vs. DCA

Assume that I have reevaluated it and it is still 50/50. Or, if you prefer, I changed it to 70/30, because if 50k in bonds were a good enough anchor before, just imagine 330k! So, now I have to invest 700k in stocks (funds/etf), would you do a lump sum tomorrow morning ? Sure, why not? What differe...
by Earl Lemongrab
Sun Jun 25, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 44
Views: 2229

Re: Lump sum investing in stocks vs. DCA

bertilak wrote:Right, but with such a relatively large windfall I would probably re-evaluate my AA and then invest at whatever new (if any) AA I came up with in one fell swoop.

That's a very valid point, especially if the lump pushes one into retirement.
by Earl Lemongrab
Sun Jun 25, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: ETFs or Mutual Funds for an inexperienced investor
Replies: 32
Views: 1468

Re: ETFs or Mutual Funds for an inexperienced investor

When I became serious and started my portfolio, I used ETFs. I did not find them to be difficult at all, even though I was a beginner. I don't consider myself a superior investor. I think anyone who takes a hour or so to read up on the topic will be able to use ETFs without difficulty.
by Earl Lemongrab
Sun Jun 25, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: How does Fidelity makes money, if I own all Vanguard funds or ETFs
Replies: 53
Views: 3545

Re: How does Fidelity makes money, if I own all Vanguard funds or ETFs

I'm another that has received a fair amount of bonus money from Fidelity over the years (unfortunately they don't have any offers currently). The only products I buy when I'm there are the commission-free iShares ETFs. Possibly some transfer fees, but those always get paid by someone else.
by Earl Lemongrab
Sun Jun 25, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 44
Views: 2229

Re: Lump sum investing in stocks vs. DCA

Different is the situation of the person with 100k of capital who wins a million. Would you buy 500k of stocks "in a single sitting" ? The 50/50 AA is still what I want, but I also want to avoid extreme market conditions with such an important fraction of my capital. Yes I would. You only...
by Earl Lemongrab
Sat Jun 24, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: need help with portfolio and asset location
Replies: 7
Views: 776

Re: need help with portfolio and asset location

what fund do you use for small value in taxable? VBR and IJS. Generally IJS is more tax efficient, probably due to lower REIT percentage. since my taxable account is with vanguard, can i hold IJS? what are the fees for holding IJS at vanguard? whats the impact of holding VBR or IJS in taxable. How ...
by Earl Lemongrab
Sat Jun 24, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 713
Views: 291835

Re: Ultimate Buy and Hold - 8 slices vs 4

For ILV, I just don't see any reason not to use EFV unless you're hard over to use only traditional mutual funds or to use only Vanguard products (or both). The Morningstar style box is: 60 28 06 04 02 00 00 00 00 For me, that's getting it done. Compare: VTRIX: 38 30 24 02 04 01 00 00 00 VYMI: 51 32...
by Earl Lemongrab
Fri Jun 23, 2017 11:04 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 50
Views: 3724

Re: Poaching chicken

One of the old Alton Brown shows had an episode on poaching fish, and the gist of that was to create a poaching liquid that was kept at the final temp for the fish, like 140F or something. Then it would be impossible to overcook. I thought about that for chicken breasts, and tried to get the electri...
by Earl Lemongrab
Fri Jun 23, 2017 11:00 pm
Forum: Investing - Theory, News & General
Topic: Sheltering in the TSP's G Fund...A bad idea?
Replies: 20
Views: 1611

Re: Sheltering in the TSP's G Fund...A bad idea?

I would expect that in an environment of falling rates, a stable value fund that pays the coupons from a bond ladder would have an advantage, since it would be holding bonds which pay above-market coupons. But in an environment of rising rates, the opposite would be true. A G Fund investor would ac...
by Earl Lemongrab
Fri Jun 23, 2017 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 44
Views: 2229

Re: Lump sum investing in stocks vs. DCA

The usual counter-question is, what do you do when the amount is all invested? Sell everything and start DCA all over? If not, why not?
by Earl Lemongrab
Fri Jun 23, 2017 4:11 pm
Forum: Investing - Theory, News & General
Topic: Sheltering in the TSP's G Fund...A bad idea?
Replies: 20
Views: 1611

Re: Sheltering in the TSP's G Fund...A bad idea?

G fund is more volatile as it is directly tied to Treasury rates as described above. How can the G fund be more volatile than literally any investment you can think of. It can't lose money, by rule. It has zero duration. I was referring to the rate, not principal. All of these are principal-protect...
by Earl Lemongrab
Fri Jun 23, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan
Replies: 24
Views: 1004

Re: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan

Interesting. So, let's say Y=L (60K loan amount and fixed income allocation) - is what you are saying that our AA should be 100% stocks in that scenario, while the loans are out? Or, that we should rebalance so that we get the AA we target (i.e. 70/30) with the amounts remaining in 401k/IRAs while ...
by Earl Lemongrab
Fri Jun 23, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rollover old employer 403b?
Replies: 14
Views: 433

Re: Should I rollover old employer 403b?

You could get a $1000 cash bonus for the rollover. That might take some of the sting out of the missing Backdoor Roth.
by Earl Lemongrab
Fri Jun 23, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum investing in stocks vs. DCA
Replies: 44
Views: 2229

Re: Lump sum investing in stocks vs. DCA

Unless you invest at a peak, because I don't think a soul ouu there would be happier if the invested a lump sum in early 2000 or early 2008 than if they spread that same dollar figure out. So all you need is a crystal ball and you will be all set. Well, yeah. I invested a lot in the middle of 2007....
by Earl Lemongrab
Fri Jun 23, 2017 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: $14,000 inheritance wind fall
Replies: 9
Views: 1510

Re: $14,000 inheritance wind fall

After maxing the Roth, I would rollover $10K from the 401K to the Roth IRA and use some of the rest for the conversion taxes (assuming your 401K plan allows this). This assumes you are in the 15% or 25% tax bracket (making the federal taxes be $1,500 or $2,500). In 30 or 40 years, the compounding o...
by Earl Lemongrab
Fri Jun 23, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan
Replies: 24
Views: 1004

Re: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan

Rebalancing may not be a big deal if you take the same amount out of both 401k plans. But what I'm saying is that if stocks rise 10% during the months you have the 401k loan, you will have effectively sold low and be forced to buy back high when you put the money back into your 401k. Market volatil...
by Earl Lemongrab
Fri Jun 23, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: Sheltering in the TSP's G Fund...A bad idea?
Replies: 20
Views: 1611

Re: Sheltering in the TSP's G Fund...A bad idea?

90% of the yield with no interest rate risk? That's spectacular . I will point out that the G fund rate is pretty middling when compared to various stable-value funds. It does have the best insurance, FF&C of the USA. In practical terms, there have been very few problems with stable-value throu...
by Earl Lemongrab
Fri Jun 23, 2017 1:07 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 426
Views: 55578

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

When you are transferring out, most companies charge account transfer fee around $75. How do they charge that fee when the account is fully invested? Say you are transferring Roth IRA account invested in ETFs with money market balance of $1.50. Do they sell some ETFs to get their fee? Or do they se...
by Earl Lemongrab
Fri Jun 23, 2017 1:05 pm
Forum: Personal Finance (Not Investing)
Topic: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan
Replies: 24
Views: 1004

Re: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan

Thanks for the advice. TSP is all in G fund so no issue there. The other 401k is all in stocks. So, we will probably need to rebalance using our IRAs to preserve our asset allocation while the loans are out - is that what you're saying? Exactly. Consider the loan to be fixed-income, rebalance acros...
by Earl Lemongrab
Fri Jun 23, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 29
Views: 1712

Re: New cars w/ no CD player -- what can I do with my CDs?

obgraham wrote:My problem is a little of the reverse: my 13 year old car's system takes CD's and cassettes but has no auxiliary input.

There are adaptors that allow you to play modern devices through cassette players. It looks like a cassette with a cable attached. I use one in the Bronco.
by Earl Lemongrab
Fri Jun 23, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan
Replies: 24
Views: 1004

Re: 401k loan as "bridge loan" - own current home in cash - poke holes in this plan

Meg77 wrote:The risk is that the market goes up while you're not invested and you miss the appreciation.

What you want to do is take the loan out of the fixed-income portion. That might require a rebalancing after withdrawal. I'm not sure how TSP does it.
by Earl Lemongrab
Fri Jun 23, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 29
Views: 1712

Re: New cars w/ no CD player -- what can I do with my CDs?

I would add that if/when you rip your CDs to your PC, rip them to a lossless format like flac rather than to mp3. You won't need lossless for your car, but you may for other uses. Once you have them ripped to flac, it is a quick and easy process to copy them into a mp3 format using Media Monkey. I ...
by Earl Lemongrab
Fri Jun 23, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 713
Views: 291835

Re: Ultimate Buy and Hold - 8 slices vs 4

I also use EFV (iShares). While its ER is relatively high for an ETF at .40, that's still slightly lower than VTRIX. I like the flexibility of ETFs and I can always get them with no transaction cost somewhere in my portfolio.
by Earl Lemongrab
Thu Jun 22, 2017 6:48 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 426
Views: 55578

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Yes, I'm looking for another place to move the money, but beyond not getting the bonus, there was also an opportunity cost to do this transfer - I had to convert my admiral shares to investor to do the transfer to Fidelity, so this has actually cost me some money. You could have converted to ETFs, ...
by Earl Lemongrab
Thu Jun 22, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1273

Re: LG washer and dryer "NFC tag on" feature

jebmke wrote:
Earl Lemongrab wrote:
mrc wrote:Perhaps. But the buzzer was free. So is looking at the darn thing.

I don't normally hang around that close to the laundry. Currently I use kitchen timers.

NFC range is 4cm

As has been mentioned.
by Earl Lemongrab
Thu Jun 22, 2017 4:11 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1273

Re: LG washer and dryer "NFC tag on" feature

mrc wrote:Perhaps. But the buzzer was free. So is looking at the darn thing.

I don't normally hang around that close to the laundry. Currently I use kitchen timers.
by Earl Lemongrab
Thu Jun 22, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Brokerage account?
Replies: 4
Views: 332

Re: TIAA Brokerage account?

Do you mean a company plan, or an individual account? I looked one of the latter when they had a bonus going, but I didn't get it done in time. They have not re-upped the offer.
by Earl Lemongrab
Thu Jun 22, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 426
Views: 55578

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

I believe Schwab pulls your credit when opening. Not sure if that's the brokerage or the checking account though (or both). If they do, it's probably only for accounts with margin. I got a hard pull when opening a Schwab checking account. It's just what they do, according to many datapoints. I can ...
by Earl Lemongrab
Thu Jun 22, 2017 1:27 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 69
Views: 5890

Re: Fidelity drops equity trade fee to $4.95

munemaker wrote:
Earl Lemongrab wrote:
munemaker wrote:What do you guys use these trades for?

I buy ETFs at TD Ameritrade, Merrill Edge, etc.


Ah, you are using ETFs rather than funds. I get that now.

If your account is not at Vanguard, then ETFs make the most sense. You get the same ER as Admiral and have ultimate flexibility.
by Earl Lemongrab
Thu Jun 22, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: need help with portfolio and asset location
Replies: 7
Views: 776

Re: need help with portfolio and asset location

bogleboyz wrote:what fund do you use for small value in taxable?

VBR and IJS. Generally IJS is more tax efficient, probably due to lower REIT percentage.
by Earl Lemongrab
Thu Jun 22, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: Fidelity drops equity trade fee to $4.95
Replies: 69
Views: 5890

Re: Fidelity drops equity trade fee to $4.95

munemaker wrote:What do you guys use these trades for?

I buy ETFs at TD Ameritrade, Merrill Edge, etc.
by Earl Lemongrab
Thu Jun 22, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 426
Views: 55578

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

madbrain wrote:Transfer was done - bonus never came. I inquired. Fidelity says only one bonus is allowed per 12 months period.

That's fairly common, and is usually specified in the terms and conditions of the offer. Unfortunately, with no current Fidelity offers, it's not possible to check.
by Earl Lemongrab
Thu Jun 22, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 426
Views: 55578

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

SJR wrote:I believe Schwab pulls your credit when opening. Not sure if that's the brokerage or the checking account though (or both).

If they do, it's probably only for accounts with margin.
by Earl Lemongrab
Thu Jun 22, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1273

Re: LG washer and dryer "NFC tag on" feature

I had a built in system in my car in Europe. I drove quite fast in some countries. At 180kph+ the freeway exits can come up on you pretty fast. My GPS system would warn me at intervals based on my speed and even suggest reducing speed as I approached an exit on my route. it was very polite. Not, &q...
by Earl Lemongrab
Wed Jun 21, 2017 6:06 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 426
Views: 55578

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Nothing keeps you from opening the account first. Then if you don't come to an agreeable bonus, never fund it. It's not like you need a promo code to open it, as you're trying to get them to match another offer.
by Earl Lemongrab
Wed Jun 21, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: LG washer and dryer "NFC tag on" feature
Replies: 30
Views: 1273

Re: LG washer and dryer "NFC tag on" feature

It might be useful if the wash/dryer can alert you when the cycle is finished.
by Earl Lemongrab
Wed Jun 21, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Tax lost harvesting and dividend reinvestment with Ishares and Vanguard
Replies: 2
Views: 195

Re: Tax lost harvesting and dividend reinvestment with Ishares and Vanguard

My opinion is that those are not substantially identical. In both cases, they are from different fund families and follow different indexes. Other people can have other opinions. To the best of my knowledge, the IRS has never declared a wash with funds of this nature, and I don't think under current...
by Earl Lemongrab
Wed Jun 21, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: fed employees & all the eggs in the TSP basket
Replies: 22
Views: 2104

Re: fed employees & all the eggs in the TSP basket

Yeah, TSP is low cost, and often lower cost than many options, but not that much. We're talking a one to three basis points. That's so trivial that I wouldn't let it enter my thinking much. Especially since you could get nice cash bonuses for the rollovers that would swamp any small ER differences f...
by Earl Lemongrab
Wed Jun 21, 2017 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Rollover Logistics
Replies: 7
Views: 384

Re: 401(k) Rollover Logistics

If you want to the Traditional to end up in Roth, there's no need to roll to TIRA first, you can go directly to a Roth IRA. You still will owe taxes of course. As noted, you should check with your new plan as far as rollovers in. You say that you'll be eligible in six months, but when exactly? If yo...
by Earl Lemongrab
Wed Jun 21, 2017 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: [Kicked out of Vanguard; Moving to Merrill]
Replies: 20
Views: 1979

Re: Kicked out of Vanguard; now what

TravelingAbroad wrote:I'm in the process of transferring everything I have at Vanguard to Merrill.

Hopefully you mean Merrill Edge. If so, sign up for a transfer bonus. You can then get Preferred Rewards set up, if you don't already, and get other benefits.

It's not sad event in my estimation.
by Earl Lemongrab
Wed Jun 21, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: need help with portfolio and asset location
Replies: 7
Views: 776

Re: need help with portfolio and asset location

If I were going to skip one of those, it would be the REIT. That being said, I hold a good amount of small-value in taxable.
by Earl Lemongrab
Wed Jun 21, 2017 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Small Business Owner with Simple IRA. Debating Switch to 401k
Replies: 13
Views: 789

Re: Small Business Owner with Simple IRA. Debating Switch to 401k

athan wrote:Vanguard does not charge us anything to run this Simple IRA (other than Institutional shares instead of Admiral).

I think you mean Investor shares.
by Earl Lemongrab
Wed Jun 21, 2017 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: WWYD? Cash in Investment to Pay Off Mortgage Question
Replies: 44
Views: 1587

Re: WWYD? Cash in Investment to Pay Off Mortgage Question

We used savings to pay off a large mortgage awhile back and it was GREAT! Do not underestimate the psychological benefits of having no debt. I would say the opposite. I have been with and without mortgages at various times in my life. I never felt any different. I try keep emotion out of my financi...
by Earl Lemongrab
Tue Jun 20, 2017 6:50 pm
Forum: Investing - Theory, News & General
Topic: Where to put "leftover" money in an ETF portfolio
Replies: 13
Views: 1176

Re: Where to put "leftover" money in an ETF portfolio

In the old days if you had more than one Roth you could just withdraw and do a rollover to another account to combine the problem and hopefully get a better shot at a buy that you would like. The one-rollover rule hurt that. Another would be to check the custodian's list for a good NTF fund that you...
by Earl Lemongrab
Tue Jun 20, 2017 12:32 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 50
Views: 3724

Re: Poaching chicken

Yeah, the OP is making this for someone else and has explicit instructions on how to proceed. I think recommendations to deviate from that is not a good idea. Of course, I think the OP should have restricted the original offer to vegetable dishes, but that's come and gone.
by Earl Lemongrab
Mon Jun 19, 2017 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: A slice and dice question
Replies: 9
Views: 975

Re: A slice and dice question

What is the reason for this "simplification"? Are you having trouble managing? You shouldn't do it because people here tell you to. Across all my accounts, including banks accounts and the cash funds in brokerage accounts (some of which are small basically inactive accounts), I have someth...
by Earl Lemongrab
Mon Jun 19, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Rollover from traditional 401K to Roth IRA?
Replies: 6
Views: 457

Re: Rollover from traditional 401K to Roth IRA?

Plans can add other restrictions in some cases. Megacorp allows you to distribute company matching, but if you do they suspend matching for six months.
by Earl Lemongrab
Sun Jun 18, 2017 11:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 338
Views: 57850

Re: Bank of America/Merrill Edge - Preferred Rewards

tooluser wrote:Any idea whether/when the Merrill Edge signup bonus will increase to $1000 as it has done in the past? Is there a historical time frame?

I haven't tracked it closely enough to tell whether there is a trend.
by Earl Lemongrab
Sun Jun 18, 2017 10:02 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 426
Views: 55578

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Did some research over the weekend and it seems the TD bonus of $1000 for 250k+ is the best currently for that dollar amount. Holding period is 12 months though. Or can do Merrill for $600 for 6 months and then switch to E-Trade for 6 months (another $600). Merrill is only 90 days for the regular o...

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