Search found 1523 matches

by Earl Lemongrab
Thu Mar 23, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting with Automated Contributions (401k, HSA, Etc) Logistics
Replies: 12
Views: 339

Re: Tax Loss Harvesting with Automated Contributions (401k, HSA, Etc) Logistics

This has been posted frequently. There is nothing in the IRS regulations regarding 401(k), 529, or HSA holdings being involved with wash sales. Only IRAs are mentioned, along with spousal accounts.
by Earl Lemongrab
Thu Mar 23, 2017 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover Hypothetical
Replies: 5
Views: 226

Re: Rollover Hypothetical

When you convert pretax amounts it is added to your taxable income.
by Earl Lemongrab
Thu Mar 23, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: who should i choose to help me??
Replies: 50
Views: 4229

Re: who should i choose to help me??

As you already have accounts at TD Ameritrade, why not do the rollover there? You would qualify for a transfer bonus and they might cover and JH transfer fees.

https://www.tdameritrade.com/offer/1000brex/index.html
by Earl Lemongrab
Thu Mar 23, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: Why buy short-term bond funds when you can get 1% in savings acct?
Replies: 29
Views: 2241

Re: Why buy short-term bond funds when you can get 1% in savings acct?

I wouldn't do either because I can get (currently) 2.13% in my 401(k) stable-value.
by Earl Lemongrab
Thu Mar 23, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: Why nobody talk about cash allocation ?
Replies: 15
Views: 1400

Re: Why nobody talk about cash allocation ?

As always, part of the discussion is "what is cash?" I have an amount allocated to liquid that is used for paying bills and such that's probably more than it needs to be at 15k, but it means I can pay any bill I get without checking the level. I also have 350k in a stable-value fund. That ...
by Earl Lemongrab
Thu Mar 23, 2017 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: ?? purchasing grocery store cards to maximize cc rewards
Replies: 6
Views: 515

Re: ?? purchasing grocery store cards to maximize cc rewards

I received the Chase email today. They specifically mention Target and Walmart as not counting. This quarter also includes drugs stores like Walgreens and CVS, so that's great. Between that and grocery is a major part of my monthly spending, and my 5.25% from BofA on gas takes much of the remainder....
by Earl Lemongrab
Thu Mar 23, 2017 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Pretirement
Replies: 14
Views: 1339

Re: Pretirement

About a 1.5 years ago, I switched to reduced work week (32 hours) to get Fridays off. Lately, as I go towards retirement, I'm "fading away" by taking vacation days to further shorten or eliminate weeks as I go. There are things I want to do to prepare the stuff I worked on for transition.
by Earl Lemongrab
Wed Mar 22, 2017 3:49 pm
Forum: Investing - Theory, News & General
Topic: Motif Investing Implementation of Ultimate Buy and Hold
Replies: 22
Views: 1743

Re: Motif Investing Implementation of Ultimate Buy and Hold

I read quite a bit of Merriman's materials in the early days of fashioning my portfolio. I use ETFs for slice and dice, but I also don't see the attraction of using Motif. As new money accumulates, I use it to buy the allocation slices that are lagging to help keep balance.
by Earl Lemongrab
Wed Mar 22, 2017 1:05 pm
Forum: Forum Issues and Administration
Topic: Best way to share PDF of 401k funds available?
Replies: 7
Views: 393

Re: Best way to share PDF of 401k funds available?

Many PDFs allow selecting the text and pasting it (or saving as a text file) although reformatting will often be needed. I would start there.
by Earl Lemongrab
Wed Mar 22, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4403

Re: Moving from Vanguard to Fidelity (probably)

I'm reasonably agnostic about custodians. Really they all have their individual quirks and some have a better overall experience for my use. I won't use Capital One for non-IRA accounts because they don't allow beneficiaries. Other than that, I'm always ready to move hither and thither chasing those...
by Earl Lemongrab
Tue Mar 21, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 258
Views: 31897

Re: TLH for absolute dummies [Tax Loss Harvesting]

Hi, I'm a newbie and have a question about TLH. If I have a tech stock, A, that has long term capital loss, and I hold ETFs in my portfolio that are composed of stock A. If i want to do TLH, do I stop "reinvest dividend" and monthly contributions that will purchase more shares of these ET...
by Earl Lemongrab
Mon Mar 20, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4403

Re: Moving from Vanguard to Fidelity (probably)

As I recall, Fidelity doesn't charge commission for selling mutual funds from other companies, but you can check that.

Personally I like ETFs, because they move around easily so better from bonus generation. I like free money.
by Earl Lemongrab
Mon Mar 20, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: What Fidelity funds do you use in your 3 fund portfolio?
Replies: 11
Views: 1057

Re: What Fidelity funds do you use in your 3 fund portfolio?

Outside of my 401(k), I only use ETFs. Great ERs, great flexibility. Most of the time if I'm at Fidelity that means iShares products. Then I can move them later for transfer bonus purposes.
by Earl Lemongrab
Mon Mar 20, 2017 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Vanguard to Fidelity (probably)
Replies: 51
Views: 4403

Re: Moving from Vanguard to Fidelity (probably)

From your old posts, it looks like you have substantial assets to move. Be sure to get any relevant transfer bonuses:

https://rewards.fidelity.com/offers/depositbonus

More information on bonuses can be found at The Final, Definitive Thread on Brokerage Transfer Bonuses
by Earl Lemongrab
Mon Mar 20, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Trouble with Macroeconomics by Paul Romer
Replies: 6
Views: 653

Re: Trouble with Macroeconomics by Paul Romer

Even if the market were somehow inefficient, I take it as a guiding principle that the inefficiency isn't going to be something I can exploit. If there's any juice to squeeze, the big boys with their Wharton grads, best computer systems, and instant access to information will get there first. So ins...
by Earl Lemongrab
Mon Mar 20, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: Tax on IRA withdrawls
Replies: 3
Views: 485

Re: Tax on IRA withdrawls

That's generally not recommended unless you can convert the non-deductible contributions to Roth fairly soon.
by Earl Lemongrab
Mon Mar 20, 2017 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Wash Sale Question
Replies: 5
Views: 406

Re: Wash Sale Question

movingabroad wrote:Anybody have an answer to the Solo 401k with dividends reinvested question? Does that cause a wash sale?

IRS regulations do not mention 401(k)s period. Only IRAs. You now know exactly as much as anyone else here.
by Earl Lemongrab
Sun Mar 19, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA reality check
Replies: 5
Views: 457

Re: Backdoor Roth IRA reality check

There is no maximum conversion amount. You can convert a million dollars if you have it. Remember, there is NO backdoor Roth in the IRS regulations. There are only contribution and conversion regulations. You could contribute for ten years and convert all at once if you wanted, and many did when the...
by Earl Lemongrab
Sun Mar 19, 2017 11:06 am
Forum: Investing - Help with Personal Investments
Topic: TLH from VTI, why VV over VOO? Use Roth Small to supplement?
Replies: 13
Views: 631

Re: TLH from VTI, why VV over VOO? Use Roth Small to supplement?

The reason people recommend VV over VOO is because many DCA an S&P 500 index in their 401K index throughout the year. If this doesn't apply to you, VOO is fine. Why is that relevant? Because of the concern that buying an S&P 500 index in your 401k within 30 days of selling VOO creates a pot...
by Earl Lemongrab
Sun Mar 19, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Non-covered Shares Transfer: Will old broker also transfer Cost Basis ?
Replies: 6
Views: 383

Re: Non-covered Shares Transfer: Will old broker also transfer Cost Basis ?

This for sure will vary with specific details. I inherited some stocks and bonds in August 2014. Old broker had cost basis showing correctly as value at date of death of the bequester. Then I transferred in-kind to Vanguard. They have the basis transferred. So far so good. I just sold some of these...
by Earl Lemongrab
Sun Mar 19, 2017 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA reality check
Replies: 5
Views: 457

Re: Backdoor Roth IRA reality check

The only wrinkle would be the case of making a contribution for the previous year in the period before tax day. Say if you made a 2016 contribution now and converted it. Then there would two 8606 forms required.
by Earl Lemongrab
Sat Mar 18, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: TLH from VTI, why VV over VOO? Use Roth Small to supplement?
Replies: 13
Views: 631

Re: TLH from VTI, why VV over VOO? Use Roth Small to supplement?

cookymonster wrote:The reason people recommend VV over VOO is because many DCA an S&P 500 index in their 401K index throughout the year. If this doesn't apply to you, VOO is fine.

Why is that relevant?
by Earl Lemongrab
Sat Mar 18, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Non-covered Shares Transfer: Will old broker also transfer Cost Basis ?
Replies: 6
Views: 383

Re: Non-covered Shares Transfer: Will old broker also transfer Cost Basis ?

Usually. With ACATS, it generally takes a few days to weeks for the basis to "catch up". Most brokerages provide a view of unrealized gains/basis with a download to Excel. Or you can copy and paste from the web page to a text file or spreadsheet. I recommend doing that before you transfer.
by Earl Lemongrab
Sat Mar 18, 2017 4:26 pm
Forum: Investing - Theory, News & General
Topic: Brokerage house bonuses and hidden bonuses
Replies: 2
Views: 415

Re: Brokerage house bonuses and hidden bonuses

Someone mentioned the referral bonus on The Final, Definitive Thread on Brokerage Transfer Bonuses The instant bonus is typical of TD Ameritrade, they're the only one I've found that do it that way. If you transfer in pieces, as you hit each new level you'll get another bonus. The exception was one ...
by Earl Lemongrab
Sat Mar 18, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Review of tax software for trusts and estates
Replies: 20
Views: 1165

Re: Review of tax software

H&R Block: About same price as TaxAct but unlimited federal and state returns. Must have in depth tax knowledge since program will not automatically put entries on correct forms and do proper calculations. Support is through a forum, many times no one answers question. I don't know what you mea...
by Earl Lemongrab
Sat Mar 18, 2017 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Guidelines for when to get a new credit card?
Replies: 16
Views: 1198

Re: Guidelines for when to get a new credit card?

johnra wrote:---In fact, I like to do most of my stuff on debit, not credit, so that I can pay as I go

I don't use debit cards period. Too much potential for problems when they are compromised.
by Earl Lemongrab
Fri Mar 17, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Superfunding a Roth
Replies: 24
Views: 2124

Re: Superfunding a Roth

jharkin wrote:The part that confuses me is that Roth dollars are after tax also. So whats different about this extra "after tax category?

With after-tax, the growth is taxable like in a non-deductible TIRA. With Roth there is no tax ever on qualified distributions.
by Earl Lemongrab
Fri Mar 17, 2017 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!
Replies: 38
Views: 1911

Re: Trying to transfer a Roth IRA and this Medallion Signature requirement is driving me nuts!

Who is the current custodian? I have also transferred between most of the major institutions and never needed a signature guarantee of any sort. It's possible that the person you called didn't give the correct answer. I never talk the current custodian unless something actually comes up. I fill out ...
by Earl Lemongrab
Fri Mar 17, 2017 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Guidelines for when to get a new credit card?
Replies: 16
Views: 1198

Re: Guidelines for when to get a new credit card?

I get a new card if they pay me a bonus to spend some amount in some amount of time and/or if the rewards cash back is higher than what I currently am getting. That's pretty much it. I've opened maybe a dozen cards in the last couple years. Score is just over 800. Around May is a good for a new car...
by Earl Lemongrab
Thu Mar 16, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 1419

Re: Looking at refurbished desktop PCs

Certified Refurbishers provide a one-year warranty, same as typical new products. VISA card should double that.
by Earl Lemongrab
Thu Mar 16, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 28
Views: 2226

Re: PayPal - Any Disadvantages?

I have had PayPal for a long time, but never had a bank account linked to it. Just credit card.
by Earl Lemongrab
Thu Mar 16, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 1419

Re: Looking at refurbished desktop PCs

Now I'm leaning towards cheaper. This is essentially an upgraded version of the old one, same CPU, but more memory, SSD, one-year warranty. Room to move the old drive assuming it's ok. HP 6200 Pro Desktop Computer Off Lease Refurbished; Intel Core i3-2100 Processor 3.10GHz; Microsoft Windows 10 Pro ...
by Earl Lemongrab
Thu Mar 16, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36587

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Market changes are always a concern. I know that when I was transferring to Merrill Edge, the rep said that they could put in an exception if the transfer lost too much in transit. Not sure that TDA would do that. You can always go to cash, but the risk of losing thousands to avoid losing hundreds i...
by Earl Lemongrab
Thu Mar 16, 2017 1:54 pm
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 1419

Re: Looking at refurbished desktop PCs

My use of the computer is relatively modest. Other than being light on RAM, my old one that died was fine.

https://www.bogleheads.org/forum/viewtopic.php?f=11&t=211379
by Earl Lemongrab
Thu Mar 16, 2017 12:52 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36587

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

If you're at Vanguard, you can convert the Admiral shares to ETF. As far as I remember (I haven't done personally), they will use the closing price of each share class on the day you select and will just transfer between. So it's not like selling and buying. You can check with Vanguard for sure. Not...
by Earl Lemongrab
Wed Mar 15, 2017 4:21 pm
Forum: Personal Consumer Issues
Topic: Looking at refurbished desktop PCs
Replies: 25
Views: 1419

Looking at refurbished desktop PCs

Here are some I have looked at. HP 6200 Pro Desktop Computer Off Lease Refurbished Intel Core i5-2400 Processor 3.10GHz Microsoft Windows 10 Pro 64-bit 8GB RAM 500GB Solid State Drive Intel HD Graphics 2000 DVD-ROM Drive 10/100/1000 Network Display Not Included $329.97. Has SSD. This is at Microcent...
by Earl Lemongrab
Wed Mar 15, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Smallish IRA conversion
Replies: 6
Views: 413

Re: Smallish IRA conversion

It's generally better to have Roth IRA holdings anyway, just due to the freedom of choice. So the ability to split IRAs with basis is a good thing. Before the IRS put out the split rollover blessing for after-tax rollovers from qualified plans, some of us used to roll those into TIRAs, roll the earn...
by Earl Lemongrab
Wed Mar 15, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Smallish IRA conversion
Replies: 6
Views: 413

Re: Smallish IRA conversion

1. Check with her current 401k plan if they allow rollovers of non-deductible IRAs - some do (with the non-deductible contributions rolled over to Roth 401k, if available, and the earnings rolled over to the traditional pre-tax 401k), and some don't. This is not correct. No 401k can accept rollover...
by Earl Lemongrab
Tue Mar 14, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2211
Views: 610128

Re: What Book Are You Currently Reading? Part VI

Currently reading Six Wakes by Mur Lafferty. A colony ship is en route to a star system, with a cargo of sleeping colonists and crewed by six clones, most of them criminals who get a fresh start on arrival. The advent of cloning and mind-mapping provides a sort of immortality for those that choose, ...
by Earl Lemongrab
Tue Mar 14, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Thinking of transferring IRA to Vanguard? How it went for us.
Replies: 14
Views: 1723

Re: Thinking of transferring IRA to Vanguard? How it went for us.

The second challenge was Vanguard's insistence that I get a local bank to certify the Fidelity check -- the technical term is medallion signature guarantee -- before sending it to them. First, this seemed ludicrous on the face it, since Fidelity and Vanguard are two of the largest financial service...
by Earl Lemongrab
Tue Mar 14, 2017 3:17 pm
Forum: Investing - Theory, News & General
Topic: Thinking of transferring IRA to Vanguard? How it went for us.
Replies: 14
Views: 1723

Re: Thinking of transferring IRA to Vanguard? How it went for us.

I have made many transfers, although none to Vanguard (because they don't offer deposit bonuses ) and most have gone very smoothly. It's getting to the point where it's pretty routine and pretty fast. I have not yet had any sender contact and try to talk me out of it. About the only thing they could...
by Earl Lemongrab
Tue Mar 14, 2017 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Homeowners claim
Replies: 10
Views: 873

Re: Homeowners claim

This was my understanding also, but I don't quite understand why only a portion of the reimbursement is held back. Why isn't it all handled that way? That's the way it was explained to me after the big hailstorm years ago, if you decide to just take the check and not do the work then you don't get ...
by Earl Lemongrab
Tue Mar 14, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners claim
Replies: 10
Views: 873

Re: Homeowners claim

Last time we had a claim from a lightning strike, we had the initial claim put in. Only after work was started were some more issues discovered, so they had to readjust the amount. Make sure that is still available to you. This what the recoverable depreciation money is for correct? Since my roof w...
by Earl Lemongrab
Tue Mar 14, 2017 10:58 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 230
Views: 24180

Re: Good Modern Science Fiction

I've just been reading a collection of new stories set on Old Mars, and most of them are okay (and the Waldrop is a lot better than okay), but none of them are a patch on A Rose For Ecclesiastes. I'm guessing that's the anthology edited by Martin and Dozois. They had another anthology called "...
by Earl Lemongrab
Tue Mar 14, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: New wheels and tires - strategy recommendation
Replies: 16
Views: 1109

Re: New wheels and tires - strategy recommendation

I had to buy new wheels for the Bronco a while back, as the old ones had actually started rusting through and losing air. I found the cheapest for my situation at: http://getallparts.com These were $234 for four shipped. They were "refurbished OEM" which I think were just sand-blasted and ...
by Earl Lemongrab
Mon Mar 13, 2017 11:04 pm
Forum: Investing - Theory, News & General
Topic: Sitting on cash....Waiting for a crash
Replies: 129
Views: 16832

Re: Sitting on cash....Waiting for a crash

In short, no don't keep cash for that. As I said, there is little difference between hoarding new cash and selling stocks. Either increases your fixed income and reduces your stocks. Changing your allocation in response to what you think the market will do is market timing, pure and simple. That's w...
by Earl Lemongrab
Sat Mar 11, 2017 12:18 am
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 327
Views: 36587

Re: Brokerage bonus worth it? TD Ameritrade

[Thread merged into here, see below. --admin LadyGeek] I received an email from TD Ameritrade for a bonus of up to $2500 to transfer my account(s). I could move one TIRA to get $1200 (if you move a million bucks or more you get the $2500). I wouldn't bother moving other accounts due to possible cap...
by Earl Lemongrab
Thu Mar 09, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: tilt or not in taxable?
Replies: 14
Views: 883

Re: tilt or not in taxable?

The main reason you would want to tilt the portfolio would be to outperform index funds. Over the long term few active fund managers can outperform the index funds and the few that do are likely just lucky. Your profitable tilting ability would make you an ideal person to manage the active mutual f...
by Earl Lemongrab
Thu Mar 09, 2017 7:41 pm
Forum: Personal Finance (Not Investing)
Topic: Take out loan on vehicle to invest?
Replies: 53
Views: 2434

Re: Take out loan on vehicle to invest?

The only reason to look at this is to come up with an adjusted interest rate for the loan. The adjustment factors in the amount of it that is deductible. So in the case where other mandatory deductions already exceed the standard deduction, then you only need to look at the amount of tax saving for ...
by Earl Lemongrab
Thu Mar 09, 2017 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Take out loan on vehicle to invest?
Replies: 53
Views: 2434

Re: Take out loan on vehicle to invest?

Its just a difference in mental accounting. You can either play favorites in your head on what deductions get a "discount" or pro rate the total "discount" across everything. For example the original person I responded to could say that his property tax is discounted 28% due to ...

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