Search found 258 matches

by TinkerPDX
Sun Apr 22, 2018 10:53 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend fund in taxable account during retirement, yea or nay?
Replies: 33
Views: 2550

Re: Dividend fund in taxable account during retirement, yea or nay?

I think it goes something like this. Surely someone will correct me if I’m wrong. Generally dividends are taxed as ordinary income, while capital gains are not. So tax-wise (at least at the margin), a dollar of dividend income is not worth as much as a dollar of capital gains income, after tax. Henc...
by TinkerPDX
Sun Apr 22, 2018 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Settlement Offer -- Accept or Wait?
Replies: 66
Views: 4949

Re: Settlement Offer -- Accept or Wait?

Bogleheads, My father and I were in involved in a car accident last Saturday. The driver of the other vehicle ran a stop sign and is clearly at fault. Her insurance carrier (Nationwide) has not disputed this, as it is clear cut. Police were called, incident documented, etc. I had what wound up bein...
by TinkerPDX
Thu Apr 12, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Help me choose a top law school!
Replies: 65
Views: 5713

Re: Help me choose a top law school!

You'll probably do well, congratulations! If you expect to go into Biglaw, I'd go with UVA and try waiting for HLS (where you'll probably get less/no money offered). If you aren't planning to go into something highly lucrative (and even if you are), give some serious thought to the better money offe...
by TinkerPDX
Thu Apr 12, 2018 1:10 pm
Forum: Personal Consumer Issues
Topic: Passport photo DIY - anyone done it easily?
Replies: 92
Views: 6496

Re: Passport photo DIY - anyone done it easily?

We did it ourselves successfully. The $12 or whatever at the passport shop isn't a big amount to save, but there's time savings as well--and also maybe value in choosing the picture that you'll be stuck with for years. We used some free online tool to make sure it was cropped correctly then ordered ...
by TinkerPDX
Sat Apr 07, 2018 7:37 pm
Forum: Investing - Theory, News & General
Topic: What is your AA, given your age? and, Why?
Replies: 163
Views: 11425

Re: What is your AA, given your age? and, Why?

Bond % = Average age of me and spouse (to the day, constantly updating in my ss) - 10. Currently about 34, so we're at about 34-66 bonds/equity. 50/50 US/ex-US within equity. This is ours mostly because you've got to pick something, I think (/hope) we're risk-tolerant enough to sleep with it when sh...
by TinkerPDX
Sat Apr 07, 2018 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: How small can I make my emergency fund?
Replies: 8
Views: 827

Re: How small can I make my emergency fund?

Many are comfortable considering a Roth account as part of the emergency fund, since at least part of it is accessible in an emergency without penalties, as long as you have enough of it in relatively low-risk investments. I consider our Roth accounts as part of the EF. I also consider my treasury d...
by TinkerPDX
Wed Apr 04, 2018 4:39 pm
Forum: Personal Consumer Issues
Topic: Any way to raise credit score 3 points in a month?
Replies: 16
Views: 1395

Re: Any way to raise credit score 3 points in a month?

Paying down balances has an immediate impact (or at least once its reported). 3 points should be no problem - unless your balances are already all down. Issuers report at different times, so even if you pay it down every month, your last scores may be base don a >0% utilization ratio. I'd keep them ...
by TinkerPDX
Wed Mar 21, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Buy individual stock to maintain my honor?
Replies: 22
Views: 2622

Re: Buy individual stock to maintain my honor?

Bank error in your favor, collect $20k. You tried, you did the honorable thing. It’s a gift, I say pay it forward.
by TinkerPDX
Sat Feb 17, 2018 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 7076

Re: How to get child's skin in the game for college?

You could loan the balance directly yourselves. Then there’s some skin in the game, but no bad, non-dischargeable debt for her if things don’t work out. We’re 15 years off but I sill think about it a lot. I paid (/borrowed) for all of my college. Skin in the game may be valuable, but we will likely ...
by TinkerPDX
Sat Feb 17, 2018 9:40 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 5276

Re: Best plants to grow to save money for food costs

Unless you enjoy it enough that the time counts as R&R, not "work," then it's very unlikely this is possible. Industrial ag is just too cost-efficient. But if you do enjoy it, and especially if you can do your own starts from seed, my experience is that you can produce enough that it's "worth it." H...
by TinkerPDX
Sun Jan 28, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Starting to feel like the late 1990s?
Replies: 145
Views: 12977

Re: Starting to feel like the late 1990s?

It is very frightening for people who put a very large lump sum in the market at these levels - I would hate to be in those shoes. For the rest of us who rode this up, we can probably ride it back down without too much anxiety unless it really overshoots on the way down, and there's no catalyst on ...
by TinkerPDX
Sun Jan 28, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: What is a good flat rate cash back credit card?
Replies: 77
Views: 6350

Re: What is a good flat rate cash back credit card?

2% fidelity visa, unless you can score the 2.5% USAA visa, which is only available in one state (LA I think) but randomly is sometimes (or at least has sometimes been) offered elsewhere.
by TinkerPDX
Tue Jan 23, 2018 5:36 pm
Forum: Investing - Theory, News & General
Topic: [Invested today, so] Here Comes the long awaited Correction
Replies: 9
Views: 2087

Re: Here Comes the long awaited Correction

I was holding onto new money to invest into the market last week. Waited patiently for a down day and just gave up today and invested it. I find it harder buying at these prices. So anyway.. tomorrow we should be seeing a huge correction. You're welcome. :sharebeer Ha! We made both our RIRA contrib...
by TinkerPDX
Mon Jan 01, 2018 4:09 pm
Forum: Investing - Theory, News & General
Topic: Why Buy Bonds If You Have A Mortgage?
Replies: 187
Views: 18295

Re: Why Buy Bonds If You Have A Mortgage?

Suppose you have a too heavy stock allocation ... (my own situation given the last couple of years without rebalancing). I also have a mortgage at 2.625 %. I could/should rebalance by selling some stock and purchasing bonds/cds but my question is more what should I do with future/present extra inco...
by TinkerPDX
Sun Dec 31, 2017 1:52 pm
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 6254

Re: What is your threshold for paying down debt?

While debt interest rate may seem low, the risk free rate you could get by investing in US treasuries is also low. If somebody is willing to hold a US 10 year treasury worth 2.4% (because presumably their asset allocation includes some bonds) then it doesn't make sense for them to hold 4% student l...
by TinkerPDX
Sun Dec 31, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: What is your threshold for paying down debt?
Replies: 89
Views: 6254

Re: What is your threshold for paying down debt?

Two part question: Why are Bogleheads so afraid of debt and what is your threshold between aggressively paying it down or redirecting those payments into investments? * * * I'll take a 3.75% 30 year mortgage all day long and twice on Sunday if it means I can max 401k/roth/beef up taxable but everyo...
by TinkerPDX
Sat Dec 30, 2017 8:36 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1821
Views: 325574

Re: What are you up YTD? [Year To Date]

My guess is that the factor tilters were disappointed this year. I would guess so, too, but the market timing factor tilters beat their benchmarks! :twisted: Or they had a higher percentage of international equities. We just barely beat our benchmark 38/38/24 US/int/bond (s&p, veu, agg - because th...
by TinkerPDX
Mon Dec 25, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 14278

Re: Will you take this Fidelity bait ?

Yes, I would absolutely move my portfolio *now* for $5,000 - but that offer isn't on the table. Sure I'd be the same person, but the marginal benefit to my quality of life of $5,000 would be approximately zero, whereas it would be substantial now. And while $5,000 represents a little less than two ...
by TinkerPDX
Sun Dec 24, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 14278

Re: Will you take this Fidelity bait ?

If my portfolio were worth five million dollars I wouldn't bother with things like transfer bonuses, or meeting with Fidelity advisors. I could be that is why you do not have the 5 million. Just sayin'. One thing I have learned is wealthy people tend not to view monetary matters the way the common ...
by TinkerPDX
Fri Dec 22, 2017 4:39 pm
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 14278

Re: Will you take this Fidelity bait ?

I went in to the Fidelity Center in our city to meet with their Financial Planner. As I do most of the Portfolio decisions myself I wanted another set of eyes to look over my Vanguard investments for an objective(??) opinion. I have little money still left with Fidelity apart from a 529 . We transf...
by TinkerPDX
Tue Dec 12, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 2906

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

When I fill the tank, I reset the trip odometer and do a rough calculation in my head of the MPG based on the fill-up. If it's particularly high or low, I'll think about the past couple weeks and mentally confirm that it makes sense. Nothing more than that. Our driving habits are so inconsistent tha...
by TinkerPDX
Sat Dec 02, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: At what spread would you invest in a short term CD vs a High Yield Savings Account?
Replies: 15
Views: 1741

Re: At what spread would you invest in a short term CD vs a High Yield Savings Account?

i'd consider saving up in a total bond/similar fund to get a little more interest, even though there's a little more risk. Leaving so much money in cash so long sounds the most risky. Ought to get you 2.5%. Worst case scenario is you lose a few percent, but that's fairly unlikely. Trade-off sounds g...
by TinkerPDX
Thu Nov 30, 2017 9:47 pm
Forum: Investing - Theory, News & General
Topic: What can we learn from BitCoin’s surge?
Replies: 37
Views: 3480

Re: What can we learn from BitCoin’s surge?

I’ve had similar thoughts. Bought a single share of Facebook on IPO day—wish I’d put all my NW in it. Bought a couple shares of Alibaba on IPO day, and ended up selling early at a small profit as the volatility didn’t feel good. It’s of course way up since then. Bought some shares of KING (I think -...
by TinkerPDX
Wed Nov 29, 2017 10:43 am
Forum: Personal Finance (Not Investing)
Topic: So i hit 6 figures... (questions about financials)
Replies: 19
Views: 3941

Re: So i hit 6 figures... (questions about financials)

So this month I hit the 100k mark! Very excited to hit this milestone. Had nowhere else to brag about it so I figured might as well announce it here. 27 by the way and that figure looks to keep on growing. I will gracefully take a bow, but I owe it all to this website and starting my Roth IRA at 22...
by TinkerPDX
Wed Nov 29, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 11996

Re: Didn't buy Bitcoin at $4600

Wish I could make all my investing decisions with the benefit of a few months' (or years') hindsight. Anyone who could would own the world pretty quickly. Happy for the folks who have huge bitcoin gains (including my BIL who bought $10,000 or so when it was under $1,000, and who I encouraged, unsucc...
by TinkerPDX
Fri Nov 24, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9919

Re: Why does everyone keep increasing their international stock %?

Because the correct allocation is the one that approximates the market portfolio (which is about 55% international), but there is still a lot of home bias that people are getting over. Investing in international has exchange rate risk so you need to be right about the investment performance and rig...
by TinkerPDX
Fri Nov 24, 2017 6:56 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9919

Re: Why does everyone keep increasing their international stock %?

Because the correct allocation is the one that approximates the market portfolio (which is about 55% international), but there is still a lot of home bias that people are getting over. Investing in international has exchange rate risk so you need to be right about the investment performance and rig...
by TinkerPDX
Fri Nov 24, 2017 6:54 pm
Forum: Investing - Theory, News & General
Topic: Why does everyone keep increasing their international stock %?
Replies: 101
Views: 9919

Re: Why does everyone keep increasing their international stock %?

AlohaJoe wrote:
Thu Nov 23, 2017 8:58 pm
You could try searching the forum and seeing the 10,000 previous threads of the topic of international investing.
!l :sharebeer
by TinkerPDX
Fri Nov 24, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Value Index Mutual Fund Question
Replies: 5
Views: 733

Re: Vanguard Value Index Mutual Fund Question

Has anyone done the actual research on how the Vanguard Value Indexes are created, meaning which companies are included in the Value Index? I see many wanting to 'tilt' towards value based on past 'evidence' it produces better returns. Here is an overview of how it is constructed in more simplistic...
by TinkerPDX
Mon Nov 20, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: HELOC to Maximize Retirement Contribution
Replies: 32
Views: 3228

Re: HELOC to Maximize Retirement Contribution

Fixed (or at least low adjustable) rate? If so, I’d consider it as long as you have it budgeted to pay down reasonably. Shame to miss tax-advantaged space—unless the cost is high.
by TinkerPDX
Sun Nov 19, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: College 529 Analysis
Replies: 19
Views: 2264

Re: College 529 Analysis

Ours is with the state plan, and none of the online trackers interface well with it. Portfolio Visualizer kind of does, but not well. We only have three funds (US index, Int index, Bond index), so I just update it manually in a spreadsheet once a year and rebalance based on what the SS tells me to d...
by TinkerPDX
Sun Nov 19, 2017 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Operating agreement template?
Replies: 6
Views: 555

Re: Operating agreement template?

I have a two-member LLC taxed as an S Corp. I don't have an Operating Agreement (my state does not require one). I am now applying for a government program that requires that I submit an Operating Agreement. Are there any good templates online that I could use? Or am I being foolish and I should pa...
by TinkerPDX
Sun Nov 19, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: How much do you budget for vacation?
Replies: 94
Views: 6669

Re: How much do you budget for vacation?

For now, “big” and “small” vacation budgeted in alternating years at $5,000 and $2,500. Family of 4 (youngest <1year, which limits options now). Household ncome ~ $160,000. This is what I use for predictive planning, mostly. I expect once the kids are older, we’ll do more, more substantial, and more...
by TinkerPDX
Thu Nov 16, 2017 1:17 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 278
Views: 49938

Re: USAA 2.5% Cash Back Credit Card

I've been waiting for this card for a while now. Just called USAA and the rep said that it's now rolled back to just one state (Louisiana). I'm guessing will cease to exist soon. Guess I'll just have to be content with 2% for now! :annoyed It doesn't look like they've updated their website to refle...
by TinkerPDX
Wed Nov 15, 2017 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: Operating agreement template?
Replies: 6
Views: 555

Re: Operating agreement template?

I have a two-member LLC taxed as an S Corp. I don't have an Operating Agreement (my state does not require one). I am now applying for a government program that requires that I submit an Operating Agreement. Are there any good templates online that I could use? Or am I being foolish and I should pa...
by TinkerPDX
Tue Nov 14, 2017 1:03 am
Forum: Investing - Help with Personal Investments
Topic: Why pay cash for a car?
Replies: 179
Views: 16658

Re: Why pay cash for a car?

I can understand paying off a mortgage, because rates are higher than car loans. And you wouldnt take a new loan out to invest in the market now. I am saving cash for my next car purchse. But why? Car loans are cheap. My current car is paid off and i like being debt free. Is that the best method? F...
by TinkerPDX
Wed Nov 08, 2017 12:14 am
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 9694

Re: "I took all my money out of the stock market and it feels amazing"

Levett wrote:
Tue Nov 07, 2017 6:13 pm
Some odd responses.

I am happy for her.

Lev
+1

I wonder what her actual numbers are.
by TinkerPDX
Mon Nov 06, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Disposable income... how?
Replies: 106
Views: 10951

Re: Disposable income... how?

It's not complicated - as others have answered, they're going into debt instead of saving. You're killing it. Keep it up! We're in a similar spot and I often have similar feelings. Stick with your discipline, it will pay off. I'll take earlier financial independence over a materially over-indulgent ...
by TinkerPDX
Sat Nov 04, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Should I invest my emergency fund?
Replies: 29
Views: 4049

Re: Should I invest my emergency fund?

I am still trying to figure out how much to have as an emergency fund but when I got that figured, do you think it would be a good idea to put some or all of it in TIPS or a Bond Index fund? This would be in my non-retirement account. I realize it is better to have these investments in tax sheltere...
by TinkerPDX
Fri Nov 03, 2017 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: How has your AA philosophy changed over the years?
Replies: 45
Views: 4374

Re: How has your AA philosophy changed over the years?

First had some real money and I a) foolishly paid down a bunch of 2.625% student debt and b) invested in CDs and clean energy stocks in a taxable account because I had no idea what I was doing. At some point I learned about IRAs and opened one. Eventually found this site (and others) and learned abo...
by TinkerPDX
Thu Nov 02, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: tax law - when does mortgage need to be entered to avoid $500k interest deduction cap?
Replies: 9
Views: 1261

tax law - when does mortgage need to be entered to avoid $500k interest deduction cap?

Can any of the tax pros out there tell us when the proposed tax law (if it passes) would be effective? We are just about to purchase a home with a mortgage over $500k. Plan was to execute 1/1/18 - can we still expedite and get within the "existing mortgage" exception to the proposed $500k cap?
by TinkerPDX
Wed Nov 01, 2017 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: what % return do you use?
Replies: 62
Views: 4911

Re: what % return do you use?

I know there are a lot of folks that are in similar situations as me. I have a good stache saved up, I have a pretty good idea of when I'll hit my magic number where I'll be FIRE, but I wonder if I'm overly optimistic. Basically, most sites you read say 7% is a fairly common number to use for retur...
by TinkerPDX
Wed Oct 25, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: NASDAQ as a significant portfolio component?
Replies: 29
Views: 2137

Re: NASDAQ as a significant portfolio component?

30 years isn't that long. Nasdaq has killed this year - beware performance chasing. Almost all of the Nasdaq stocks are also covered in sp 500: https://www.etfresearchcenter.com/tools/overlap.php?f1=Spy&f2=QQQ, and certainly in a total market fund. So it's not a question of whether to include it, bu...
by TinkerPDX
Wed Oct 25, 2017 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Critical Mass
Replies: 13
Views: 2601

Re: Financial Critical Mass

Thanks for the quote. Encouraging words for those of us a decade or three out...
by TinkerPDX
Mon Oct 23, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Favorite HIIT Workouts
Replies: 24
Views: 2083

Re: Favorite HIIT Workouts

NYT's "9 minute workout" is 9 1-minute body weight exercises that I've come to like. Includes burpies, split squats, mountain climbers, body weight squats, push ups, planks, etc. each easy enough in its own, but a pretty intense little set together.
by TinkerPDX
Mon Oct 23, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: Why not just annuitize and be done with it?
Replies: 52
Views: 17444

Re: Why not just annuitize and be done with it?

You may be confusing payout for return. You could get a 6% payout over 16 years with 0% return. The 6% and 4% are not apples:apples. That said, if you want 0 longevity risk and are willing to sacrifice total (probable) income for it, annuitization of all or most of the portfolio makes sense. As for ...
by TinkerPDX
Mon Oct 23, 2017 4:33 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Do Hedge Funds Exist?
Replies: 10
Views: 1501

Re: Larry Swedroe: Why Do Hedge Funds Exist?

Isn't a hedge fund traditionally to make money in other than long positions - i.e. to be able to profit in bad markets? Of course they get beat when the market does great. Curious what that index's performance looked like on prolonged weak/bear markets.
by TinkerPDX
Sat Oct 21, 2017 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 6428

Re: Letter from CC company (Discover) re: current income

My wife's is a school teacher so her income is a matter of public record (yes, I have looked it up online to verify that) Can anyone tell me once I am their customer what are their rights to looking up information about me? I would assume they have made me agree to a broad spectrum of information g...
by TinkerPDX
Sat Oct 21, 2017 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: Letter from CC company (Discover) re: current income
Replies: 31
Views: 6428

Re: Letter from CC company (Discover) re: current income

Perhaps this info would make the other info they have about you more valuable to sell to others (and be valuable itself). Why not just ask? I do periodically get this question when logging in online. I am in a phase where income is steadily increasing and where I want more credit for the sake of low...