Search found 289 matches

by SteelyEyed
Wed May 02, 2018 5:07 pm
Forum: Investing - Theory, News & General
Topic: Agressive factor Investing
Replies: 44
Views: 4037

Re: Agressive factor Investing

I'm interested in what you and others think "aggressive" means in the context of factor-based investing. It might help to think of it in terms of the change in risk and expected return for varying levels of loadings, given a constant stock/bonds allocation. The change in loading could come from cho...
by SteelyEyed
Mon Apr 23, 2018 11:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16450

Re: Vanguard New Factor Funds Portfolio Statistics

jhfenton wrote:
Sun Apr 22, 2018 5:32 pm
Basically, yes.
Thank you. The domestic side of my portfolio has always been 50% TSM (VTSAX) and 50% SCV (VSIAX). I'm figuring out how to best work the multifactor fund in.
by SteelyEyed
Sun Apr 22, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 152
Views: 16450

Re: Vanguard New Factor Funds Portfolio Statistics

Since it's Vanguard, since their initial portfolios look good, and since they're in retirement accounts, I leapt. I have since bought some VFVA as well. I agree. VFMFX looks like a great core fund for believers in tilting who also want simplicity. If I didn't have 401(k) constraints, I could see ev...
by SteelyEyed
Tue Mar 06, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Micro-Hydropower
Replies: 8
Views: 1244

Re: Micro-Hydropower

Thanks everyone. I contacted a contractor. The size of system which I would be considering (for home use only, no commercial applications) largely falls outside any regulatory schemes here. By keeping it low-impact, avoiding altering the natural flow (damming/excavating), I would avoid all regulator...
by SteelyEyed
Tue Mar 06, 2018 9:47 pm
Forum: Investing - Theory, News & General
Topic: Why don't 401K managers fight on our behalf?
Replies: 28
Views: 4098

Re: Why don't 401K managers fight on our behalf?

I didn't read all the comments, but I have to believe that 401k fees the employee pays are directly inverse to 401k fees the employer pays. Big companies tend to pony up money and get low ER funds and fees for employees. Other companies, it just depends. I have never worked for MegaCorp, so that is...
by SteelyEyed
Tue Mar 06, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: Why don't 401K managers fight on our behalf?
Replies: 28
Views: 4098

Re: Why don't 401K managers fight on our behalf?

The "401k manager" is usually somebody in the HR department. Have you ever spoken to this person? In my experience, it is assigned to a person as a collateral duty with few big-picture responsibilities regarding the plan. Most of their time is spent on completely unrelated work. When they do perform...
by SteelyEyed
Sun Mar 04, 2018 3:10 pm
Forum: Personal Consumer Issues
Topic: Micro-Hydropower
Replies: 8
Views: 1244

Micro-Hydropower

I've seen plenty of threads here about photovoltaic solar and some about home wind power generation, but not this. I bought vacant land adjacent to my new home and now I have about 1,300 ft of creek. I need to measure the flow and elevation drop, but I think it should be usable. Does anyone have exp...
by SteelyEyed
Wed Feb 28, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax Credit Threshold History
Replies: 2
Views: 300

Re: Foreign Tax Credit Threshold History

talzara wrote:
Wed Feb 28, 2018 3:44 pm
The simplified election was introduced in the 1998 tax year with a $300/$600 threshold. ...
Good find! So, if the values were tied to inflation, they would be ~$450/~$900 today, per the BLS' calculator.

Thank you.
by SteelyEyed
Wed Feb 28, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Foreign Tax Credit Threshold History
Replies: 2
Views: 300

Foreign Tax Credit Threshold History

I've been claiming the Foreign Tax Credit for a decade or so now. This time, I finally exceeded the $600 (married) threshold, requiring me to file Form 1116. It wasn't too bad, just a little annoying, and it doesn't look to be too consequential until my foreign-sourced income is much larger. The ent...
by SteelyEyed
Fri Feb 16, 2018 10:06 pm
Forum: Personal Finance (Not Investing)
Topic: Rant about relocation mortgage assistance, and a question
Replies: 54
Views: 3288

Re: Rant about relocation mortgage assistance, and a question

I was in a similar situation. I called Vanguard, converted my taxable accounts to marginable taxable accounts. That took a day to process. I then called VG and they immediately approved a loan on the phone and ACHed cash to my checking account. You can borrow up to 50% of your accounts' value. The m...
by SteelyEyed
Thu Feb 15, 2018 12:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard US Multifactor Fund
Replies: 52
Views: 5168

Re: Vanguard US Multifactor Fund

The mutual fund is available on the VG website. VFMFX only shows up if you set your filters to show funds that require a $50,000 minimum investment.
by SteelyEyed
Tue Jan 23, 2018 2:07 am
Forum: Investing - Help with Personal Investments
Topic: VSFVX Admiral Shares
Replies: 10
Views: 1289

Re: VSFVX Admiral Shares

If you hit the 401k jackpot, you can have VFSNX, institutional shares of VFSVX. The ER is 0.12%. The share class has only $245M in assets.
by SteelyEyed
Wed Jan 03, 2018 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Kiddie Tax 2018
Replies: 7
Views: 4471

Re: Kiddie Tax 2018

There was an earlier thread on this:

viewtopic.php?f=10&t=235647

I don't think that a consensus was reached.
by SteelyEyed
Tue Dec 26, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 44
Views: 5026

Re: Tax Reform - Revised Kiddie Tax

It says that for estates/trusts, the 15% cap gain/QDI rate starts at taxable income of 2,600 and 20% cap gain/QDI rate starts at taxable income of 12,700. In other words, only the first 2,599 is taxed at 0% and the tax can be 20% + 3.8% on income of merely over 12,700. By my reading, the minor's st...
by SteelyEyed
Tue Oct 24, 2017 12:10 am
Forum: Investing - Help with Personal Investments
Topic: No Cap on Match for 401K - Need Advice
Replies: 37
Views: 2966

Re: No Cap on Match for 401K - Need Advice

I thought 18K was the max for 401K? $18,000 is the max for traditional or roth treatment. The after-tax contributions are treated like non-deductible traditional IRA contributions. The total limit between employer and employee for traditional/roth/after-tax combined is $54,000. I think it is $55,00...
by SteelyEyed
Tue Oct 24, 2017 12:01 am
Forum: Investing - Help with Personal Investments
Topic: No Cap on Match for 401K - Need Advice
Replies: 37
Views: 2966

Re: No Cap on Match for 401K - Need Advice

Does the plan allow after-tax contributions? If so, are they matched? If yes, contribute $36,000 and get $18,000 match.
by SteelyEyed
Fri Sep 22, 2017 9:41 am
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 14341

Re: I-Bonds?

I have used them the other way around in the past: once my tax-advantaged savings space was filled up, I bought I-Bonds with extra savings. They're not incredible, but they did what they were supposed to do. I expect my income to be lower next year, below the income limit, and I will roll 100% of th...
by SteelyEyed
Tue Aug 22, 2017 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 96
Views: 8822

Re: School Redistricting - What should we do?

Option 6: Find the worst, most decrepit, cheapest housing unit in the new "best" district and then buy/rent it. Use its address for your mail and qualify for admission to the schools. Never go there except to check the mail box and material condition of the unit.
by SteelyEyed
Sun Aug 06, 2017 8:11 am
Forum: Personal Finance (Not Investing)
Topic: 401k loan for house down payment?
Replies: 11
Views: 1366

Re: 401k loan for house down payment?

If you have plenty of funds in a taxable account and you can pay the loan back quickly, then you might consider a margin loan.
by SteelyEyed
Sat Jul 01, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Pay LTCG Tax to do Mega-Backdoor Roth?
Replies: 2
Views: 426

Pay LTCG Tax to do Mega-Backdoor Roth?

I understand that when deciding between putting marginal dollars into a taxable account or an after-tax 401k with in-service withdrawals, the optimal choice is basically between paying dividends and capital gains taxes versus not paying tax ever again on that contribution and its growth. This is a d...
by SteelyEyed
Mon Jun 05, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Benefits of waiting to convert $4,000,000 in IRAs into Roth
Replies: 41
Views: 5753

Re: Benefits of waiting to convert $4,000,000 in IRAs into Roth

Wait for a market crash and convert it then. That will lower your conversion tax.
by SteelyEyed
Thu Jun 01, 2017 5:46 pm
Forum: Personal Consumer Issues
Topic: Fidelity 2000 'bonus points'
Replies: 32
Views: 4467

Re: Fidelity 2000 'bonus points'

Mine was $100 for spending $9000. I stopped using it a few months ago when I got the USAA Limitless, which gets 0.5% more cash back.
by SteelyEyed
Thu Apr 27, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Lower ER .04%
Replies: 56
Views: 6852

Re: Vanguard New Lower ER .04%

bayview wrote:Now if they'd just drop VFSVX/VSS! (FTSE all-world ex-US small cap)
Vanguard! Admiral shares, please!
by SteelyEyed
Sun Apr 09, 2017 9:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Int'l Dividend Fund
Replies: 18
Views: 3526

Re: Vanguard Int'l Dividend Fund

This fund (VIHAX/VYMI) has been around for a year now. Is there anything to learn from its first year? I keep hoping to find a good alternative to EFV for my international large cap allocation.
by SteelyEyed
Tue Jan 17, 2017 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Interviewing Candidates That Will Be Your Boss
Replies: 17
Views: 1908

Re: Interviewing Candidates That Will Be Your Boss

Recommend the most incompetent person on the list. When that person stumbles and fails, go in, save the day, and get the promotion for yourself.
by SteelyEyed
Thu Jul 28, 2016 10:53 am
Forum: Personal Consumer Issues
Topic: Driving - Yielding/Right of Way at Uncontrolled 4 Way Intersection
Replies: 34
Views: 2256

Re: Driving - Yielding/Right of Way at Uncontrolled 4 Way Intersection

jebmke wrote:Unless you live in Boston. Then you just close your eyes and do whatever you want.
I'm from the South. My Bostonian wife calls this "banging a left".
by SteelyEyed
Fri Jul 08, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 32
Views: 9680

Re: Mice in my grill

Nineteen replies and nobody suggested ratatouille?
by SteelyEyed
Tue Jun 07, 2016 12:13 am
Forum: Investing - Theory, News & General
Topic: Tax efficiency question
Replies: 29
Views: 3974

Re: Tax efficiency question

triceratop has a thread with a spreadsheet on how to calculate the tax cost. https://www.bogleheads.org/forum/viewtopic.php?t=188491 It probably doesn't do the muni vs non-muni bond calculation which is found in the wiki and many other web sites. +1 I used this the other day to compare my foreign f...
by SteelyEyed
Sat Jun 04, 2016 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon prime credit card
Replies: 14
Views: 2649

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. I believe only one of you (the real Prime owner) can get the Amazon Prime Store card (5% benefits). The other can only get the Amazon Store ca...
by SteelyEyed
Thu May 26, 2016 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Amazon prime credit card
Replies: 14
Views: 2649

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: 2389

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: 12692

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: 3683

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: 7189

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: 23076

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 are eight storylines and most...
by SteelyEyed
Mon Feb 08, 2016 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: No guts to buy today!
Replies: 55
Views: 7645

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: 4311

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: 34669

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: 2549

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: 2463

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: 4290

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: 3543

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: 20
Views: 4825

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: 15086

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 "Dogs of ...
by SteelyEyed
Tue Mar 17, 2015 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: How Much To Negotiate Realtor Commission
Replies: 31
Views: 4674

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 from getti...
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: 2376

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: 4346

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: 4136

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: 4136

Re: New DOW Component

The DJIA is still being tracked?