Search found 754 matches

by TropikThunder
Sat Feb 24, 2018 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: If I wanted to invest in a stock on the WSE, would I be able to if I am an American?
Replies: 4
Views: 294

Re: If I wanted to invest in a stock on the WSE, would I be able to if I am an American?

Interactive Brokers, Fidelity, and Schwab allow trading on foreign exchanges. I do not know if they allow Poland or what the price structure is. I don't use Vanguard as a broker and I don't recommend using their platform, although I do own and recommend some of their funds. IB has a fee structure p...
by TropikThunder
Sat Feb 24, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 47
Views: 3830

Re: Should I bite the bullet and invest in this market?

Don't do a thing until you read the latest letter from the Oracle of Omaha. My signature applies, y gracias por leer / cfs Is there anything actionable in that 17-page letter? I don't see anything there that's actual investment advice for the masses (other than active funds always lose, evidenced b...
by TropikThunder
Sat Feb 24, 2018 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: traditional TRA to roth conversion
Replies: 11
Views: 649

Re: traditional TRA to roth conversion

I am not claiming a deduction since I am not eligible to claim one due to income restriction. I do think that my 1099R may show this money transferred to Roth as income but I guess I have to certify this as tax free when filing my taxes. I've found this helpful re: what forms you receive based on c...
by TropikThunder
Sat Feb 24, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: # X Gross = Home price?
Replies: 56
Views: 2852

Re: # X Gross = Home price?

OP, If you want to be a millionaire, 1.49 or lower http://www.thomasjstanley.com/2011/11/millionaire-rule-1-49/ << I have found that when millionaires made their first home purchase, the ratio of the purchase price over their annual household income was just 1.49 [median]. >> KlangFool Good Lord, t...
by TropikThunder
Fri Feb 23, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and invest in this market?
Replies: 47
Views: 3830

Re: Should I bite the bullet and invest in this market?

My suggestions to a new investor — today — is to double your fixed income / cash allocation and slowly reallocate to your desired equity percentage over the next two to three years. Do you mean, if ones "real" desired allocation is 80/20 stocks/bonds, you advise them to start at 60/40 and DCA from ...
by TropikThunder
Fri Feb 23, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Paying more taxes to fund a Roth?
Replies: 7
Views: 753

Re: Paying more taxes to fund a Roth?

On the social security side. I've ran several of their retirement estimators. Since I've already worked enough years, seems like no significant change to payment can be made with remaining work time. Although still looking into that. Well, one only needs 40 credits to qualify for Social Security (m...
by TropikThunder
Fri Feb 23, 2018 9:24 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 5761

Re: What do Bogleheads think of Passive income through Dividend Stocks

I took a look at one of the ticker symbol you mentioned: PennantPark Investment Corp (PNNT) Although this individual high yield stock paid 10% dividend yield, its net asset value has dropped from year 2013 ($12) to now ($7.16), resulting in an average annual return of 2.17% over the past 5 years. I...
by TropikThunder
Thu Feb 22, 2018 9:45 pm
Forum: Investing - Help with Personal Investments
Topic: Need $100,000 in 20 years. Help!
Replies: 52
Views: 4739

Re: Need $100,000 in 20 years. Help!

If you continue with your current lifestyle as supported by your $70k salary you won't need to worry about how to come up with $100k. As noted that implies a greater than 50 percent marginal tax rate. The only way to get there is with a very high income. If you don't have a very high income, you li...
by TropikThunder
Thu Feb 22, 2018 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Diversification when total market isn't an option...
Replies: 10
Views: 633

Re: Diversification when total market isn't an option...

Hi, I have a 403b from my previous job that offers several Vanguard admiral funds, but none of them are total market funds. The Vanguard funds in my 403b plan are: - Vnguard 500 Index Admiral Shares (VFIAX) I am 30 years old , I make about 65k and don't have a ton saved. This 403b is worth about $7...
by TropikThunder
Thu Feb 22, 2018 6:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Equity Income vs S&P 500
Replies: 17
Views: 1622

Re: Vanguard Equity Income vs S&P 500

timotheon wrote:
Wed Feb 21, 2018 9:54 pm
Tallis,

I appreciate some exposure to emerging markets...
And Canada! Don't forget Canada! :P
by TropikThunder
Thu Feb 22, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: How To "Create" VTSAX in 401k When It's Not Available
Replies: 12
Views: 841

Re: How To "Create" VTSAX in 401k When It's Not Available

I am always after simplicity and 90/10 S&P/Small Cap index will get you very, very, close to TSM. S&P already has the majority of the mid caps that TSM has , it's just missing the small caps which are 9% currently. I don't think that's true. The CSRP Large Cap Index and the S&P 500 almost exactly m...
by TropikThunder
Wed Feb 21, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Roth IRA - Keep same fund or change?
Replies: 6
Views: 456

Re: Vanguard Roth IRA - Keep same fund or change?

Hello, I'm in my late 30s and few years back I've converted my 401k from my previous employer into Vanguard Roth IRA and at time time most likely who I talked when setting up account they suggested to invest in Vanguard STAR Fund (VGSTX) https://personal.vanguard.com/us/funds/snapshot?FundId=0056&F...
by TropikThunder
Wed Feb 21, 2018 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: Married Filing Separately - Recharacterize Roth IRA to nondeductible Traditional and then convert to Roth?
Replies: 13
Views: 941

Re: Married Filing Separately - Recharacterize Roth IRA to nondeductible Traditional and then convert to Roth?

I am working on a similar issue now due to realized capital gains putting us over the Roth limit. Turbotax will take care of the forms for you right now. It appears it will take a couple days at VG to open a Traditional IRA and then recharacterize the excess Roth to Traditional. I am guessing end o...
by TropikThunder
Wed Feb 21, 2018 12:38 am
Forum: Investing - Help with Personal Investments
Topic: Married Filing Separately - Recharacterize Roth IRA to nondeductible Traditional and then convert to Roth?
Replies: 13
Views: 941

Re: Married Filing Separately - Recharacterize Roth IRA to nondeductible Traditional and then convert to Roth?

I am working on a similar issue now due to realized capital gains putting us over the Roth limit. Turbotax will take care of the forms for you right now. It appears it will take a couple days at VG to open a Traditional IRA and then recharacterize the excess Roth to Traditional. I am guessing end o...
by TropikThunder
Tue Feb 20, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 58
Views: 5761

Re: What do Bogleheads think of Passive income through Dividend Stocks

You can look at this historical performance comparison from year 2006 to 2009. The chart represents a four year period, so you can imagine year 2006 as the first year of college, and year 2009 as the fourth year of college. The performance comparison is between Vanguard Equity Income (dividend appr...
by TropikThunder
Tue Feb 20, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Update: Yikes, I waited too long, am I [too late]? 50k to invest
Replies: 53
Views: 5400

Re: Yikes, I waited too long, am I [too late]? 50k to invest

ASplitSecond wrote:
Tue Feb 20, 2018 9:56 pm
I took the questionnaire on the site and it recommended the "whole market in one portfolio" but I'm not sure that it's comprehensive enough.
I’m not sure how one could get more comprehensive than “the whole market in one portfolio”. 😃 What are you concerned is missing?
by TropikThunder
Sun Feb 18, 2018 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Can I reverse a Roth -> Trad IRA Recharacterization?
Replies: 11
Views: 667

Re: Can I reverse a Roth -> Trad IRA Recharacterization?

OP is asking if the recharacterization he just did can be re characterized again, as a Roth contribution. The answer is No, it cannot. Are we sure about this? All the summaries of the tax reform talk about not being able to go from Traditional-to-Roth-back to Traditional anymore: Quite sure. The ru...
by TropikThunder
Sun Feb 18, 2018 12:53 am
Forum: Personal Finance (Not Investing)
Topic: Can I reverse a Roth -> Trad IRA Recharacterization?
Replies: 11
Views: 667

Re: Can I reverse a Roth -> Trad IRA Recharacterization?

OP is asking if the recharacterization he just did can be re characterized again, as a Roth contribution. The answer is No, it cannot. Are we sure about this? All the summaries of the tax reform talk about not being able to go from Traditional-to-Roth-back to Traditional anymore: Repeals the rule a...
by TropikThunder
Sat Feb 17, 2018 11:44 pm
Forum: Investing - Help with Personal Investments
Topic: When is the best time to contribute to an IRA?
Replies: 7
Views: 1001

Re: When is the best time to contribute to an IRA?

Another factor just occurred to me. In a couple years I will need to begin filing the FAFSA for college financial aid each year in October. I will want to have completed all retirement contributions for the year by that time, in order for my reportable/assessable assets to be as low as possible. So...
by TropikThunder
Sat Feb 17, 2018 1:07 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Visualizer Asset vs. Asset Class Allocation
Replies: 7
Views: 679

Re: Portfolio Visualizer Asset vs. Asset Class Allocation

Hmm - good point. Actually, the date range is just off by a little bit because some of the assets weren't around as long. It's strange, because I at least perceive these assets to be good options - Fidelity and Vanguard funds with low ERs and otherwise somewhat commonly known. Unfortunately, the ex...
by TropikThunder
Fri Feb 16, 2018 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 10817

Re: I'm Cancelling My Home Insurance

A personal liability policy is not an auto liability policy either. It replaces only the liability coverage in a homeowners policy. An umbrella would still sit on top. As for buying an umbrella or increasing the primary policy limits, that's a different issue. 85% of the umbrella risk is excess aut...
by TropikThunder
Fri Feb 16, 2018 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 10817

Re: I'm Cancelling My Home Insurance

This is a primary policy. It is not an umbrella. There are no underlying coverage requirements. USLI's personal liability policy provides first-dollar coverage with no deductible. Surely, the personal liability policy will be more expensive if it provides first-dollar coverage, especially with no d...
by TropikThunder
Fri Feb 16, 2018 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: I'm Cancelling My Home Insurance
Replies: 156
Views: 10817

Re: I'm Cancelling My Home Insurance

This is a primary policy. It is not an umbrella. There are no underlying coverage requirements. USLI's personal liability policy provides first-dollar coverage with no deductible. Surely, the personal liability policy will be more expensive if it provides first-dollar coverage, especially with no d...
by TropikThunder
Fri Feb 16, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil
Replies: 18
Views: 1605

Re: MarketWatch article-Vanguard investors kept their cool during stock-market turmoil

BigMoneyNoWhammies wrote:
Fri Feb 16, 2018 11:54 am
(gekko) wrote:
Fri Feb 16, 2018 11:48 am
And still their website didnt hold the traffic that day.
Doesn't mean they weren't all trying to log in to track what was happening to their portfolios. They would be crazy not to.
It was all tax loss harvesting and RBD buying. :P
by TropikThunder
Thu Feb 15, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: What is the evidence against slice and dice?
Replies: 59
Views: 4582

Re: What is the evidence against slice and dice?

... Interesting. Since I'm in the accumulation phase, I always model new contributions each month rather than a starting value that gets no contributions. I think this better reflects my situation, and it also tends to underweight the impact of a lucky/unlucky year. If you change your numbers to st...
by TropikThunder
Wed Feb 14, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 20
Views: 1800

Re: The Best HSA

alter wrote:
Wed Feb 14, 2018 12:19 am
With Elements I pay zero.
Look at it this way: one transfer per year is $25, which pro-rates to $2/month. That's not zero.
by TropikThunder
Wed Feb 14, 2018 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 20
Views: 1800

Re: The Best HSA

I'm going to give you crazy Bogleheads a gift because I have gotten some useful information from your site before. I'm not affiliated with anyone but myself but I am picky. I'm a huge HSA fan. (Thank you GW Bush, credit given where due) The HDHP+HSA is the best thing that has ever happened to my he...
by TropikThunder
Wed Feb 14, 2018 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: Daughter’s College & Grad School Expenses -Nurse Practitioner
Replies: 51
Views: 3318

Re: Daughter’s College & Grad School Expenses -Nurse Practitioner

If you earn in the 300k range per year, cant you just pay for it? Not with a loan but cash. You've taken her so far without her worrying about money and I would finish it. Ironic user name considering you seem to have missed the part where OP says one of his concerns is balancing how he has treated...
by TropikThunder
Sat Feb 10, 2018 7:14 pm
Forum: Personal Consumer Issues
Topic: Another tire question - rotation for low mileage?
Replies: 15
Views: 1005

Re: Another tire question - rotation for low mileage?

A lot of shops are only putting the higher thread on the back, which virtually guarantees the fronts will wear out much sooner, and you'll be replacing in pairs all the time. [New pair tires always in the back and old ones moved to front] Rotating won't make much sense as the wear gets even more un...
by TropikThunder
Sat Feb 10, 2018 7:05 pm
Forum: Personal Consumer Issues
Topic: Another tire question - rotation for low mileage?
Replies: 15
Views: 1005

Re: Another tire question - rotation for low mileage?

Since age can be a factor in choosing to replace tires - even with tread left - I wonder if spending money/time/effort in rotating tires is worth it since you may want/need to replace tires that are too old but with tread left? Not only is it unnecessary, it won't help. Tire rotation is intended to...
by TropikThunder
Sat Feb 10, 2018 6:16 pm
Forum: Personal Finance (Not Investing)
Topic: what to look for when buying a flipped house
Replies: 27
Views: 1851

Re: what to look for when buying a flipped house

Find a solid home inspector and a certified electrician. Not one referred by either agents. This! Even go as far as having a different person for structural, electrical, plumbing, hvac, etc. it will cost a little more, but will be worth it. And don't skimp on the owner's title insurance. :| Flipper...
by TropikThunder
Sat Feb 10, 2018 3:03 pm
Forum: Personal Consumer Issues
Topic: Flat tire replacement
Replies: 26
Views: 1287

Re: Flat tire replacement

If OP bought the tires and If the OP bought from a major dealer, that dealer may have a prorated warranty for flats. Mechanic gave you good advice. I've had wheel weights as the "nail" in the tread, and it will always, 100%, be the rear tire. OP says the tires came with the car. If a new car, no ro...
by TropikThunder
Sat Feb 10, 2018 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley Income performance
Replies: 16
Views: 2013

Re: Wellesley Income performance

Wellesley Income on a YTD basis is -3% versus -2% SP500. I know duration/ average maturity is longer (6/9) but is the energy overweight causing this massive underperformance (92% percentile) Duration of what? “S&P500” doesn’t have any bonds. Besides, Wellesley doesn’t track the S&P500, so comparing...
by TropikThunder
Sat Feb 10, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Is Rental Property/Income Same as Bonds
Replies: 38
Views: 2010

Re: Is Rental Property/Income Same as Bonds

Do you always maintain 100% occupancy of the rental properties? To me that's one of the fundamental differences from bonds, the fact that rental properties can have periods were they go unoccupied, but the expenses still need to be paid so the monthly cash flow can turn negative. For perspective, i...
by TropikThunder
Fri Feb 09, 2018 11:08 pm
Forum: Investing - Theory, News & General
Topic: Should you sell your investments when they start dropping? When should you invest during this market correction?
Replies: 52
Views: 4131

Re: Should you sell your investments when they start dropping? When should you invest during this market correction?

I don't see why not sell now and wait for the market to drop more and then buy them again. You must be new here. :twisted: OP, you have over 200 posts and joined in 2013.... and, ask these questions? :confused Or not .... Well if it drops this much usually it creates a panic and people start sellin...
by TropikThunder
Fri Feb 09, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Still waiting to invest?
Replies: 47
Views: 5708

Re: Still waiting to invest?

I might try to make a chart of the S&P 500 annotating market drops since 1970 in terms of months, rather than percent. As in: From 1/29/2018 - 2/9/2018 the S&P dropped four months in value (taking it back to the level of 10/9/2017). That should be an interesting exercise. We see so many posts of pe...
by TropikThunder
Fri Feb 09, 2018 12:32 am
Forum: Personal Finance (Not Investing)
Topic: In a rising rate environment, do banks offer incentives for early pay off?
Replies: 12
Views: 1394

Re: In a rising rate environment, do banks offer incentives for early pay off?

They certainly aren't going to offer a lower payoff, as in less than you borrowed and not get the interest they had hoped for. If that's what you meant? That would be bad business. A loan is the same as a bond. When interest rates fall the value of that loan falls just like the value of the bond. R...
by TropikThunder
Thu Feb 08, 2018 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Piggyback Mortgage
Replies: 15
Views: 911

Re: Piggyback Mortgage

Conventional loan - $417k @ 4.25% - monthly payment approx $2475 HELOC - $124k at prime + 1.99% (currently 6.5%) - monthly payment approx $750 HOA fee - monthly payment approx $450 Total monthly housing expense - approx $3650. I max out my 401k, and have around $20k in credit card debt due to afore...
by TropikThunder
Thu Feb 08, 2018 10:34 pm
Forum: Investing - Help with Personal Investments
Topic: Still waiting to invest?
Replies: 47
Views: 5708

Re: Still waiting to invest?

:?: :?: You think it'll be 'onward and upward' and believe in the 'stimulus' to do good things. Yet, you also think everything is overvalued, and you are sitting it out. What is this, a spectator sport?? :happy I think things will fall, and badly, at some point . I just don't know when. And I'm not...
by TropikThunder
Thu Feb 08, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Still waiting to invest?
Replies: 47
Views: 5708

Re: Still waiting to invest?

I see reports that there has been a bona fide Correction. That's what everyone was waiting for, right? And some will STILL not buy. Just as a quick example, I found this nice thread almost exactly 2 years ago as the S&P500 began 2016 with a ~8% drop but never quite reached textbook "correction" ter...
by TropikThunder
Thu Feb 08, 2018 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25887

Re: New HSA provider Lively offers investments for $30/yr fee

Same thing happened here when I moved from SelectAccount to Lively. I clearly marked "Keep Account Open" on Lively's transfer form but SelectAccount went ahead closed my account anyway after issuing their check. OMG that's so frustrating! The rep yesterday said the next payroll contribution would r...
by TropikThunder
Thu Feb 08, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25887

Re: New HSA provider Lively offers investments for $30/yr fee

Wanted to add a bit more to the Lively data set: Thanks for the data point. I think the common theme has been that Lively is great but the "departing" custodian is hit or miss on their timelines. My current pet peeve is that Health Equity sits on the transfer request for a full week ("waiting for r...
by TropikThunder
Wed Feb 07, 2018 11:48 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 216
Views: 25887

Re: New HSA provider Lively offers investments for $30/yr fee

Wanted to add a bit more to the Lively data set: Jan 4 - Online sign-up  Jan 6 - Verified ACH deposit amounts to link my account Jan 10 - Signed Lively's trustee-transfer HelloSign form / received by SelectAccount Jan 15 - Holiday Jan 16 - SelectAccount processes account closure Jan 22 - Check mail...
by TropikThunder
Wed Feb 07, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: health equity HSA
Replies: 9
Views: 1489

Re: health equity HSA

My employer's HSA is also with HealtyEquity, and the employer pays all fees and it only requires keeping $500 cash. But I still want more investment choices so I transferred most funds to my own HSA at HSABank and invest through TDAmeritrade. TDA does offer many commission free ETFs, including some...
by TropikThunder
Wed Feb 07, 2018 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Healthequity HSA
Replies: 16
Views: 2330

Re: Healthequity HSA

Health Equity offers low cost index funds and have a passable website. My employer covers the .4% annual, AUM fee while I'm an employee. Only $500 is required to be kept in cash. I know that I am very late to this conversation but I will say that one decent thing that HE does is when they assess th...
by TropikThunder
Wed Feb 07, 2018 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Need Advice with Lively HSA Investment Options - TDA
Replies: 5
Views: 348

Re: Need Advice with Lively HSA Investment Options - TDA

Hello, complete newbie to Bogleheads - recently bought the book but not very far in yet. This week we started two Lively HSAs (hat tip to older Boglehead posts I found to help wade through the HSA options). We have the full contribution for 2018 to invest. Would like advice re: fund(s) to invest th...
by TropikThunder
Wed Feb 07, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Selling a mutual fund to buy an ETF
Replies: 6
Views: 449

Re: Selling a mutual fund to buy an ETF

^That is true, but if you place an order to sell a mutual fund, it doesn't execute until after the market closes that day, so the soonest you could buy a non-mutual fund is the next time the market opens. An exchange of a mutual fund to mutual fund in the same family is something different. If the ...
by TropikThunder
Tue Feb 06, 2018 10:50 pm
Forum: Investing - Theory, News & General
Topic: Stealing from the kids for our retirement [High valuations => depressed future returns expectations]
Replies: 54
Views: 5325

Re: Stealing from the kids for our retirement

How silly. Well, it is the first generation in the history of the country to have to pay more for stocks than their parents did at the same age. :| This is totally not true by the way, in case my special snark font isn't properly displayed on your computer. Here's an inflation-adjusted growth chart...
by TropikThunder
Tue Feb 06, 2018 2:10 am
Forum: Investing - Theory, News & General
Topic: Need inputs on types of funds to choose for HSA
Replies: 2
Views: 352

Re: Need inputs on types of funds to choose for HSA

I follow four fund theory for my portfolio as given below. I would like hear from bogleheads what funds I should be choosing in HSA account and why. Bonds 1) Total Bond Market Index Fund 2) Total International Bond Index Fund Stocks: 3) Total Stock Market Index Fund 4) Total International Stock Ind...
by TropikThunder
Sat Feb 03, 2018 11:41 pm
Forum: Investing - Help with Personal Investments
Topic: Best International Small Cap Option
Replies: 29
Views: 2636

Re: Best International Small Cap Option

livesoft wrote:
Fri Feb 02, 2018 11:05 pm
VSS lost 2.62% today, but its cognate mutual fund VFSVX was down only 2.20% today. This means that come Monday morning, something's gotta give.
Discount! :P