Search found 260 matches

by SteelyEyed
Thu May 26, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Amazon prime credit card
Replies: 13
Views: 1476

Re: Amazon prime credit card

My only issue with it is that you cannot add another user, so even though my wife and I share Prime benefits, she cannot use the card as her payment method.
by SteelyEyed
Mon May 23, 2016 7:38 pm
Forum: Investing - Theory, News & General
Topic: Only 1/4 of stock held in taxable accounts
Replies: 13
Views: 1717

Re: Only 1/4 of stock held in taxable accounts

Random Walker wrote:Is the Boglehead population likewise 1/4 taxable and 3/4 tax advantaged?


According to this old BH poll, about 32% of boglehead financial assets are in taxable accounts.
by SteelyEyed
Tue May 10, 2016 4:24 pm
Forum: Personal Consumer Issues
Topic: 30 minute commute?
Replies: 80
Views: 6886

Re: 30 minute commute?

The average commute in the US is about 25 min. A 30 min commute is really nothing abnormal.

Mine is 35 min on a straight, empty road. I read the morning paper while I drive. :P
by SteelyEyed
Wed Apr 20, 2016 11:15 am
Forum: Investing - Theory, News & General
Topic: Current Valuations US v. Int & Expected Returns
Replies: 22
Views: 2719

Re: Current Valuations US v. Int & Expected Returns

I've been at 50/50 US/Intl for years now. It has been disappointing, but I've stuck with it. My contributions have largely gone toward rebalancing into Intl for some time now. Perhaps livesoft will develop a RBY (Really Bad Year) policy for taking advantage of Intl stocks.
by SteelyEyed
Mon Feb 29, 2016 11:47 am
Forum: Personal Consumer Issues
Topic: Is Working from Home the New Normal?
Replies: 57
Views: 5690

Re: Is Working from Home the New Normal?

I will work from home as soon as they get that government-approved, security clearance friendly, "Confidential-Restricted Data" connection built from the facility to my house.
by SteelyEyed
Thu Feb 18, 2016 10:33 am
Forum: Personal Consumer Issues
Topic: What video games are you currently playing?
Replies: 220
Views: 17897

Re: What video games are you currently playing?

When I was a kid, I loved games like the "King's Quest" and "Space Quest" series. They had good stories and puzzles to figure out. I remember liking the graphics, but by today's standards, they are downright primitive. Today, I enjoy "Star Wars: The Old Republic." There...
by SteelyEyed
Mon Feb 08, 2016 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 5837

Re: No guts to buy today!

I bought today. I had a lot of cash available from my TLH sale on Friday. :)
by SteelyEyed
Fri Oct 02, 2015 12:18 pm
Forum: Personal Consumer Issues
Topic: Are luxury watches good investments?
Replies: 45
Views: 3394

Re: Are luxury watches good investments?

I doubt it, but check out this thread for advice on which one to choose.
by SteelyEyed
Sun Jun 28, 2015 6:24 am
Forum: Investing - Theory, News & General
Topic: The next Lehman - this week? [Greek default]
Replies: 237
Views: 28427

Re: The next Lehman - this week? [Greek default]

I started reading at the top of page two and intentionally didn't look at the posting dates. It seemed like current news to me.
by SteelyEyed
Fri May 22, 2015 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Invest ONLY After Tax Money Into 401(k)?
Replies: 20
Views: 2168

Re: Invest ONLY After Tax Money Into 401(k)?

I just have a minor note to add. If you're the only person contributing to a small business 401(k) plan and you're the owner of the company, then take a look at the costs. While the ERs on your investments might be 0.05% to 0.2% or something, essentially all of the behind-the-scenes administrative c...
by SteelyEyed
Tue May 12, 2015 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Ijs vs visvx [Small cap value, iShares vs. Vanguard]
Replies: 11
Views: 1688

Re: Ijs vs visvx [Small cap value, iShares vs. Vanguard]

VIOV's problem is ... Yes, but it uses the same index as IJS (and not the same index as VBR) and trades for free at Vanguard. It is useful as a TLH partner for VBR. So it may be an argument for choosing VBR over IJS if you're looking to set up a TLH plan. If on the other hand, you're more of a puri...
by SteelyEyed
Thu May 07, 2015 6:59 pm
Forum: Investing - Theory, News & General
Topic: Round Numbers in Portfolio Allocations
Replies: 49
Views: 3516

Re: Round Numbers in Portfolio Allocations

If she's good with spreadsheets, then it doesn't matter. I have a 4.38% target allocation to emerging markets (Vanguard VEMAX). That percentage times my total portfolio value is the number of dollars I try to keep in VEMAX. I don't even look at the percentage anymore.
by SteelyEyed
Thu Apr 16, 2015 5:46 pm
Forum: Investing - Theory, News & General
Topic: I and EE Bonds - What will the new rate be?
Replies: 18
Views: 2646

Re: I and EE Bonds - What will the new rate be?

Coles wrote:I predict the EE Bond doubling feature will be changed to 30 years.


So, for college planning purposes, one should by EE bonds when the child is -12 years old.
by SteelyEyed
Sun Mar 29, 2015 1:18 pm
Forum: Investing - Theory, News & General
Topic: Vanguard FTSE All-World ex-US Small-Cap ETF
Replies: 17
Views: 3513

Re: Vanguard FTSE All-World ex-US Small-Cap ETF

Vanguard also has an investor class fund, VFSVX. I wish they had admiral shares for the MF. I once started a poll about the institutional fund: BH.org Thread Here is a link to the VG page: VG Site The fund is still quite small, even two years later. I would still love to have access to that one tho...
by SteelyEyed
Wed Mar 18, 2015 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 48
Views: 10911

Re: Too good to be true? vgenx or vgpmx

Sector funds are not needed. In fact, Jack Bogle has stated an investor could never own a sector fund and be just fine. What's up with that? I just read in Money that if I invest in last year's worst performing S&P 500 sector, I could trounce the S&P 500 over time. :) Did they call it the &...
by SteelyEyed
Tue Mar 17, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: How Much To Negotiate Realtor Commission
Replies: 31
Views: 3485

Re: How Much To Negotiate Realtor Commission

The book "Freakonomics" has a chapter on real estate commissions. If I remember correctly, realtors basically add no value to the process, other than convenience. The percentage of sale commission structure provides an incentive that works as a conflict of interests, preventing the seller ...
by SteelyEyed
Thu Mar 12, 2015 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Hit with Kiddie Tax; tIRA to the rescue
Replies: 13
Views: 2016

Re: Hit with Kiddie Tax; tIRA to the rescue

This was our first year dealing with this (2014 filing). Our kiddie tax situation was much simpler. DD is young and has no earned income. I realized almost $2000 of LTCG and the Q4 dividends were a little larger than I had expected, so we did pay the kiddie tax. Thanks to the Foreign Tax Credit, the...
by SteelyEyed
Tue Mar 10, 2015 11:27 am
Forum: Investing - Help with Personal Investments
Topic: How many really understand how investing works?
Replies: 37
Views: 3920

Re: How many really understand how investing works?

It's easy:

    Step 1 - Invest
    Step 2 -
    Step 3 - Profit!
by SteelyEyed
Fri Mar 06, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: New DOW Component
Replies: 40
Views: 3387

Re: New DOW Component

cheese_breath wrote:Don't you remember the big deal on CNBC when it crossed 18,000?


No. I suppose I should watch more CNBC. :wink:
by SteelyEyed
Fri Mar 06, 2015 10:54 am
Forum: Investing - Theory, News & General
Topic: New DOW Component
Replies: 40
Views: 3387

Re: New DOW Component

The DJIA is still being tracked?
by SteelyEyed
Fri Feb 20, 2015 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: All-World ex-US vs Total International Stock
Replies: 19
Views: 3372

Re: All-World ex-US vs Total International Stock

Since All World is newer fund than Total International, do you mean the All world is better? I want only one. I have been trying to get rid of VFWAX for years now. I TLH or gift at every opportunity. .. no way to stay within Vanguard to TLH VEMAX :-(. If you can temporarily stomach the ER and some ...
by SteelyEyed
Tue Feb 17, 2015 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Small Change to Fido Amex Card
Replies: 0
Views: 291

Small Change to Fido Amex Card

For all of those out there that use the 2% cash back Fidelity American Express credit card, I saw this little message on the portal: "Important Notice: The Mall will be ending March 2015. Until then, you can still earn bonus points from hundreds of online stores using your credit card. Sign In ...
by SteelyEyed
Fri Feb 06, 2015 2:35 pm
Forum: Investing - Theory, News & General
Topic: Why Do People Invest in Certain VG Funds?
Replies: 15
Views: 2494

Re: Why Do People Invest in Certain VG Funds?

An even simpler example is Vanguard 500 Index fund and Vanguard Total Stock Market Index fund. Why do people invest in the 500 Index Fund now that there is a Total Stock Market Index Fund? To my way of thinking, Total Stock simply supersedes 500 Index. There was a time when it had a slightly higher...
by SteelyEyed
Tue Feb 03, 2015 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: What exactly is "wealthy?"
Replies: 47
Views: 4887

Re: What exactly is "wealthy?"

To most people, "wealthy" is "more than what I have." It is always relative. My CEO once told me that he was not wealthy. He then told a few stories about his second home and his extended vacations traveling outside the country. It was not a secret that he had a low-seven figure ...
by SteelyEyed
Sat Jan 31, 2015 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 5875

Re: POLL: How Will You Complete Your 2014 Taxes?

TaxAct. Even though my return is ~15-20 pages, I still use the free version. I haven't run into anything that requires purchase to get it done. I even did a minor's return for free.

I do it by hand first, then fill in everything online for a second check and easy submission.
by SteelyEyed
Thu Jan 22, 2015 12:10 pm
Forum: Investing - Theory, News & General
Topic: Hedge fund loses 99.8% of all funds, $100m down to $200k.
Replies: 59
Views: 7974

Re: Hedge fund loses 99.8% of all funds, $100m down to $200k

Yeah honestly the manager acted in his own rational self-interest. From his perspective, nothing he did was unreasonable. Immoral? Sure. But not irrational. He followed his self-interest to the letter. Makes you kinda worried about those that advocate for a society run 100% on nothing but self-inte...
by SteelyEyed
Thu Jan 15, 2015 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Inflation-Indexing Wish List
Replies: 12
Views: 1093

Inflation-Indexing Wish List

Hello all, Many were pleased when Congress stopped the annual patch on the AMT and linked it to inflation. Around this time of year, many of us are looking at the new limits for various things (401k contributions, etc.). I noticed one thing that did not increase this year, not because it did not mee...
by SteelyEyed
Tue Jan 13, 2015 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Poll - How much is enough / what's your number?
Replies: 79
Views: 8952

Re: Poll - How much is enough / what's your number?

http://i2.cdn.turner.com/money/dam/assets/140523165254-chart-top-one-percent-620xa.png http://i2.cdn.turner.com/money/dam/assets/140523165254-chart-top-one-percent-620xa.png So the working class doesn't even control enough to have a slice of the pie (chart)?
by SteelyEyed
Fri Jan 02, 2015 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: Gifting Mechanics at Vanguard
Replies: 3
Views: 608

Re: Gifting Mechanics at Vanguard

This question is begging for a phone call to Vanguard. If the accounts do not have the same registration which would be the case in giving to a UTMA, then a signature guarantee may slow the process down. Ah, but I prefer not to talk to human beings. If the custodian is listed in the UTMA registrati...
by SteelyEyed
Fri Jan 02, 2015 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Gifting Mechanics at Vanguard
Replies: 3
Views: 608

Gifting Mechanics at Vanguard

Hello everyone, With the new year, there is a new gift tax exclusion to burn through. I previously set up a UTMA account at Vanguard. My taxable accounts are at Vanguard. I am the custodian for the UTMA. When I first established this and funded, I gifted appreciated shares via a phonecall to Vanguar...
by SteelyEyed
Mon Dec 22, 2014 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Use ETF to gauge fund close?
Replies: 7
Views: 715

Re: TLH: Use ETF to gauge fund close?

Generally, yes. I mostly own mutual funds. My spreadsheet imports yesterday's closing prices for those mutual funds. However, it imports the corresponding ETFs' closing and current prices to make an estimate for today's closing values. It is usually quite accurate. It only fails come dividend time, ...
by SteelyEyed
Thu Dec 11, 2014 3:53 pm
Forum: Investing - Theory, News & General
Topic: Use of UGMA/UTMA accounts
Replies: 26
Views: 5024

Re: Use of UGMA/UTMA accounts

I think the UTMA funds can be used for anything that benefits the child, regardless of whether it is considered a parent's legal obligation. I don't have a source, but I've heard that the limitation regarding parental obligations is just a myth. I would like to believe that. I found a few court cas...
by SteelyEyed
Thu Dec 11, 2014 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: tax loss / gain harvesting & the kiddie tax
Replies: 3
Views: 654

Re: tax loss / gain harvesting & the kiddie tax

Are there any other considerations I may be missing here? Similar to my situation, I wonder about having international funds in a UTMA. It looks like the Foreign Tax Credit is no good here, though it might be rolled into the future for some use via Form 1116. I don't really have the answer on that....
by SteelyEyed
Thu Dec 11, 2014 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: tax loss / gain harvesting & the kiddie tax
Replies: 3
Views: 654

Re: tax loss / gain harvesting & the kiddie tax

If the capital gains are long-term, then you should harvest up to the $2000 point, which will all either be exempted or within the child's 0% LTCG rate. That goes for both children. It does mean that you will have to file separate returns for each of them, including Form 8615, rather than the other ...
by SteelyEyed
Wed Dec 10, 2014 8:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 3686

Re: Vanguard Wish List

Admiral shares of VSFVX (FTSE ex-US Small Cap) with an ER equal to that of VSS (the ETF).

An index fund for international value, so I can get rid of EFV, or at least TLH with it.
by SteelyEyed
Wed Dec 10, 2014 11:08 am
Forum: Investing - Theory, News & General
Topic: Use of UGMA/UTMA accounts
Replies: 26
Views: 5024

Re: Use of UGMA/UTMA accounts

Bob's not my name wrote:Have you taken year end distributions from the remaining shares into account?


With estimates, yes.
by SteelyEyed
Tue Dec 09, 2014 10:57 pm
Forum: Investing - Theory, News & General
Topic: Use of UGMA/UTMA accounts
Replies: 26
Views: 5024

Re: Use of UGMA/UTMA accounts

I opened a UTMA for my child this year. I gifted some appreciated shares of VFWAX (FTSE ex-us Admiral). I sold enough such that the LTCG and dividends would be just about $2000. Looking at Form 1040, the Foreign Tax Credit is non-refundable, so no negative tax rate :( . However, would it be possible...
by SteelyEyed
Fri Nov 28, 2014 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Question- Home State w/ Higher Fees vs Nevada
Replies: 9
Views: 1685

Re: 529 Question- Home State w/ Higher Fees vs Nevada

The529guy wrote:
The deduction is also subject to recapture if, within two years of establishing the Account, the Account is rolled over into another state’s qualified tuition program.


Nice. If only New Mexico had a similar rule.
by SteelyEyed
Tue Nov 18, 2014 7:53 am
Forum: Personal Consumer Issues
Topic: AT&T Upgrades Data Allowance
Replies: 5
Views: 997

Re: AT&T Upgrades Data Allowance

I was on the individual 2GB plan. When I looked just now, it is no longer offered, but there is a 3GB plan for the same price. I upgraded and got a 50% increase in data for $0. Thanks!
by SteelyEyed
Thu Oct 30, 2014 1:17 pm
Forum: Personal Consumer Issues
Topic: A Little Common Core Math problem
Replies: 97
Views: 3994

Re: A Little Common Core Math problem

Your daughter's solution: A. Divide answers by eight to determine possible cat weights. B. Add answers from steps A to to original weights. C. The sum that equal 63 is from the choice that is correct. I did things like that in school, but only as a backup if I couldn't figure it out the correct way ...
by SteelyEyed
Thu Oct 09, 2014 1:24 pm
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 464
Views: 41689

Re: Headed for a 300+ point loss today?

Another day like this and I can rebalance out of VTIAX without paying capital gains tax!
by SteelyEyed
Tue Sep 23, 2014 2:40 pm
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2957

Re: Do you consider Dan Wiener to be a Boglehead?

There is no true Boglehead. Why not? It's just a play on the logical fallacy of "there is no true Scotsman." The point is that when there is no strict definition of something, everyone will point to others who do not fit their personal ideal definition and accuse the them of not being a t...
by SteelyEyed
Tue Sep 23, 2014 1:57 pm
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2957

Re: Do you consider Dan Wiener to be a Boglehead?

There is no true Boglehead.
by SteelyEyed
Mon Sep 08, 2014 10:30 am
Forum: Personal Consumer Issues
Topic: Texas - Recommendation Where To Live
Replies: 60
Views: 4552

Re: Texas - Recommendation Where To Live

Midland. It's hot, dry, and flat. You get that scent of Hydrogen Sulfide, too. So long as fracking continues, the economy will boom.
by SteelyEyed
Fri Aug 29, 2014 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Lobbying for After-Tax 401(k) & In-service Withdrawal
Replies: 2
Views: 324

Lobbying for After-Tax 401(k) & In-service Withdrawal

My company has a good 401(k) plan. The matching is above average and the additional fees are low (these may be going away soon). The in-plan funds are not the best, though VG S&P500 and Total Bond are availaible, with Target Retirement as well. It is with Fidelity, so the brokerage account is a ...
by SteelyEyed
Fri Aug 29, 2014 1:13 pm
Forum: Personal Consumer Issues
Topic: USAA Credit Card Offer
Replies: 12
Views: 1286

Re: USAA Credit Card Offer

tj wrote:
OAG wrote:PFCU is running a special on several CC now. Charge $1,500 in 90 days (3 months) and receive $100.00.

I didn't receive this offer.


It's only for the first 90 days, i.e., for new cardholders.
by SteelyEyed
Sat Aug 16, 2014 11:48 am
Forum: Investing - Theory, News & General
Topic: Vanguard eliminates fee on FTSE All-World ex-US Small-Cap
Replies: 35
Views: 5893

Re: Vanguard eliminates fee on FTSE All-World ex-US Small-Ca

Perhaps I was not paying enough attention to VSS, but as I look at the VG page today, the premium to NAV is about 0.41%. I thought that it would go away after the fee elimination. What did I miss? Any thoughts?

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