Search found 53 matches

by alloykat
Thu Mar 23, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: home buying negotiation tips
Replies: 8
Views: 606

home buying negotiation tips

I know when purchasing a home the buyer is always at a disadvantage because the goal is to get the highest price for the commission benefit to all realtors and the seller. In addition to the ones below, does anyone have any ideas or suggestions for tips to assist the buyer in negotiating the price d...
by alloykat
Thu Mar 16, 2017 5:59 pm
Forum: Personal Finance (Not Investing)
Topic: Purchase and Sale of home: pearls of advice
Replies: 29
Views: 2302

Purchase and Sale of home: pearls of advice

Homeowners: What is something you learned buying or selling a home that you wish you had known before beginning the process? Specifically, did you learn any negotiation tactics, pricing or listing tips, contingency pitfalls, packaging/storing tips, escrow/inspection words of wisdom etc?
by alloykat
Thu Mar 16, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: selling home/lease back/long escrow
Replies: 14
Views: 516

Re: selling home/lease back/long escrow

Are you against buying your new home first and moving into it before you sell your existing home? I did this twice in my life and it worked well both times. I bought a new home and took 2 months or so to paint it and have it re-carpeted and so forth before we moved in. Then we moved part of our fur...
by alloykat
Thu Mar 16, 2017 12:30 pm
Forum: Personal Consumer Issues
Topic: selling home/lease back/long escrow
Replies: 14
Views: 516

Re: selling home/lease back/long escrow

If the market is frothy, I'd say either sell now and move out in a reasonable time both can agree upon, or wait until you have your rental and are ready to actually sell to list. If you sell now, but try to close in 4-6 months, what happens if prices move dramatically in that time frame? Why sell f...
by alloykat
Thu Mar 16, 2017 12:03 pm
Forum: Personal Consumer Issues
Topic: selling home/lease back/long escrow
Replies: 14
Views: 516

Re: selling home/lease back/long escrow

I am willing to move out ASAP if I get asking price. In the event that I do not, how can I structure the agreement to better serve my purposes is my question?
by alloykat
Thu Mar 16, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: selling home/lease back/long escrow
Replies: 14
Views: 516

selling home/lease back/long escrow

We are planning on listing our home next month. Our realtor wants to list at 1.695 and is confident he will get the asking price. Since we have a lot of equity in our home, we are looking to sell our home in the city and buy another home in the suburbs entirely in cash or with a very small mortgage ...
by alloykat
Sun Mar 12, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: gratuitous homeownership items
Replies: 211
Views: 15414

gratuitous homeownership items

Homeowners: Is there anything that you thought would be an asset when you bought your home and later found it to be gratuitous? For example, my husband wanted a pool. After 8 years, I find it to be a waste given the amount of $$ in water charges to maintain the water level, the fact that he uses it ...
by alloykat
Sun Feb 19, 2017 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: capital gains on sale of home
Replies: 6
Views: 533

Re: capital gains on sale of home

Thanks!
by alloykat
Sun Feb 19, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: capital gains on sale of home
Replies: 6
Views: 533

capital gains on sale of home

This is a hypothetical so I can figure out how the numbers work. I am trying to figure out what I would pay in capital gains on the sale of my primary residence in CA that I purchased in 2009 for 1 million. My husband and I are both 40 years old and this was our first home. If we sell for 1.7 millio...
by alloykat
Tue Feb 07, 2017 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: IRA transfer
Replies: 7
Views: 423

Re: IRA transfer

Thanks everyone!
by alloykat
Tue Feb 07, 2017 1:13 pm
Forum: Investing - Theory, News & General
Topic: Buying before distribution
Replies: 4
Views: 395

Buying before distribution

I know it does not matter if you sell a fund prior to a distribution but one should NOT buy a fund prior to a distribution. Exactly, what time frame (days/weeks) prior to a distribution is it unwise to buy a fund?
by alloykat
Fri Feb 03, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: IRA transfer
Replies: 7
Views: 423

Re: IRA transfer

[quote][/quote]Is she living off this IRA, or just investing for heirs and charitable causes? How do the funds fit into the rest of her portfolio? Does she need any growth, or is it providing for her needs? What is her risk tolerance? I was saving this for a post when the funds finally transferred. ...
by alloykat
Fri Feb 03, 2017 10:58 am
Forum: Investing - Help with Personal Investments
Topic: IRA transfer
Replies: 7
Views: 423

Re: IRA transfer

So you don't think it matters that she will be out of the market during transfer? I was thinking to keep most of the money invested in the Wellesley fund VWIAX after transfer. Given that scenario, would you do the same thing or just cut a check?
by alloykat
Fri Feb 03, 2017 10:42 am
Forum: Investing - Help with Personal Investments
Topic: IRA transfer
Replies: 7
Views: 423

IRA transfer

Hi, My mom age 68 who lives in MA has a small IRA with a financial advisor that she would like to transfer to Vanguard. The IRA has 12 non-Vanguard funds with very high expense ratios that would cost $35 each to sell if sold once the money has been moved to Vanguard. Therefore, the plan is to sell t...
by alloykat
Wed Jan 11, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: 1035 Exchange
Replies: 0
Views: 180

1035 Exchange

We are replacing my husband's whole life insurance policy with a term insurance policy. The application asks whether this will be an IRS 1035 Exchange. The agent answered "no." I am still waiting to hear from my accountant and thought I would ask this wise forum. I am unclear whether this ...
by alloykat
Sat Jan 07, 2017 3:00 pm
Forum: Personal Finance (Not Investing)
Topic: cancelling whole life policy
Replies: 3
Views: 410

Re: cancelling whole life policy

Thanks! I wanted to make sure I wasn't dos g something that would make it more challenging or impossible to cancel.
by alloykat
Sat Jan 07, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: cancelling whole life policy
Replies: 3
Views: 410

cancelling whole life policy

Hi My husband has a whole life insurance policy that can now be surrendered/cancelled without penalty. He received approval for a 15 term life policy with Principal which we want to activate prior to cancelling the whole life policy with TransAmerica. The application for the term life with Principal...
by alloykat
Thu Jan 05, 2017 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Am I wasting time with additional funds
Replies: 30
Views: 2156

Re: Am I wasting time with additional funds

Is there any chart/graph/data analysis that proves that someone who has the 3 fund portfolio outperforms someone who has more funds given the same asset allocation (international vs. domestic vs bonds) and the use of all Vanguard index funds? What about comparison of the 3 fund portfolio versus a mi...
by alloykat
Thu Jan 05, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payments on long term cap gain, with half of last years income
Replies: 8
Views: 589

Re: Estimated tax payments on long term cap gain, with half of last years income

15% federal LTG and what is the state LTG rate. For me in CA, it is 15% federal and 9.3% state so I set aside about 25% minimum. You can pay all gains at once when you file your taxes I believe.
by alloykat
Tue Jan 03, 2017 7:57 pm
Forum: Investing - Theory, News & General
Topic: tax rationale for Roth vs. taxable
Replies: 7
Views: 726

Re: tax rationale for Roth vs. taxable

No, the original money you put in is not taxed again, only the increase in value. Exactly. You put after tax money into a Roth and don't have to pay on the gains (pay taxes once on original contribution). You put after tax money in a taxable and pay taxes on the gains ( pay taxes twice--on original...
by alloykat
Sun Jan 01, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: What are your portfolio/investments?
Replies: 38
Views: 2575

Re: What are your portfolio/investments?

These are my assets alone independent of my husband. We keep our finances separate. Emergency Fund: 6 months worth in checking account Debt: only 650K mortgage at interest rate of 3.75% Tax Filing Status: Married filing Jointly Tax rate: 33% Federal 9.3% CA state State of residence : CA Age 40 Desir...
by alloykat
Thu Dec 29, 2016 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Accountant
Replies: 13
Views: 692

Re: Accountant

As example I have had tax preparers point out deductions that might have been missed. I have hired a tax accountant to plan a best strategy for unwinding some positions as a multi-year plan. It was not cheap, but it was worth it. I think if I had the same problem again today I could do it myself wi...
by alloykat
Wed Dec 28, 2016 9:16 pm
Forum: Investing - Theory, News & General
Topic: tax rationale for Roth vs. taxable
Replies: 7
Views: 726

Re: tax rationale for Roth vs. taxable

[quote="livesoft"]The folks who make the laws are wealthy and don't want to take tax breaks away from themselves. That's what I think the rationale is. I would think that having to pay capital gains in taxable account is not a tax break. Some actually consider it double taxation because it...
by alloykat
Wed Dec 28, 2016 4:38 pm
Forum: Investing - Theory, News & General
Topic: tax rationale for Roth vs. taxable
Replies: 7
Views: 726

tax rationale for Roth vs. taxable

If contributions to a Roth IRA and investing in a taxable account are both using post-tax dollars, what is the rationale for not having to pay taxes on the gains of the Roth but having to pay capital gains on the growth in a taxable account? If the premise that if you have enough money to open a tax...
by alloykat
Tue Dec 27, 2016 9:15 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging
Replies: 17
Views: 1438

Re: Dollar Cost Averaging

livesoft wrote:^I don't find it bizarre. Those FAs may know what it takes to retain clients. :)


HAHA!!

That Vanguard link is great! I agree.
by alloykat
Tue Dec 27, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging
Replies: 17
Views: 1438

Re: Dollar Cost Averaging

I am most certainly not risk averse. I know a few FAs who when given a lump sum of money will put it into a Money Market fund and slowly put it into the market or sometimes just leave it in the Money Market indefinitely. This did not make any sense to me because I don't think people expect a FA to k...
by alloykat
Tue Dec 27, 2016 1:34 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging
Replies: 17
Views: 1438

Re: Dollar Cost Averaging

Funny thing is I called Vanguard Flagship this morning and asked this question and the rep on the line was not sure. I wish she had just directed me to the Vanguard article.
by alloykat
Tue Dec 27, 2016 1:32 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging
Replies: 17
Views: 1438

Re: Dollar Cost Averaging

Thanks. I read the threads. T
by alloykat
Tue Dec 27, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging
Replies: 17
Views: 1438

Dollar Cost Averaging

If you have 100K to invest, would you invest all at once, in 10K increments daily or in 10K increments monthly to fully capitalize on the concept of dollar cost averaging? At what point does holding onto cash just to achieve dollar cost averaging detrimental because your money is not invested in the...
by alloykat
Tue Dec 27, 2016 9:25 am
Forum: Investing - Help with Personal Investments
Topic: wash sale or not?
Replies: 7
Views: 578

Re: wash sale or not?

Thanks again!
by alloykat
Mon Dec 26, 2016 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: wash sale or not?
Replies: 7
Views: 578

Re: wash sale or not?

Thanks for the clarification on CUSIP numbers. So basically one could sell VTSAX (Vanguard Total Stock Market) in a taxable account at Vanguard at a loss today and buy FSTMX (Fidelity Total Market) in another taxable account at Fidelity the following day and possibly not trigger a wash sale because ...
by alloykat
Mon Dec 26, 2016 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: wash sale or not?
Replies: 7
Views: 578

Re: wash sale or not?

I do not believe this is an index fund. Thanks for your help. I was researching CUSIp numbers to try and figure out about wash sale triggers.
by alloykat
Mon Dec 26, 2016 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: wash sale or not?
Replies: 7
Views: 578

wash sale or not?

I manage my own investments at Vanguard after relieving my FA of his services. On 11/23, I sold VGSLX ( Vanguard REIT) from my taxable account (with a short term loss of $600) where my FA held it so that I could purchase it in my IRA. The trade settled on 11/25. 1. If I repurchase the VGSLX tomorrow...
by alloykat
Tue Dec 13, 2016 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: TWHIX [American Century Heritage]
Replies: 11
Views: 1122

Re: TWHIX [American Century Heritage]

One point if clarification though:

If you take the 20K distribution in cash, then the capital gains are reduced. However, if you reinvest the 20K and then sell the entire fund a week later, that 20K will be taxed as short term gains correct?
by alloykat
Tue Dec 13, 2016 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: TWHIX [American Century Heritage]
Replies: 11
Views: 1122

Re: TWHIX [American Century Heritage]

Makes sense. Thanks!
by alloykat
Tue Dec 13, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: TWHIX [American Century Heritage]
Replies: 11
Views: 1122

Re: TWHIX [American Century Heritage]

This fund is set to make about 20K in distributions on 12/23 which I elected not to reinvest due to my desire to sell the fund. I am in the 33% tax bracket but will drop to the 28% this year due to maternity leave despite all the capital gains I have incurred this year. However, if I sell this fund ...
by alloykat
Tue Dec 13, 2016 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: traditional IRA fund advice
Replies: 8
Views: 976

Re: traditional IRA fund advice

Thanks! I will use Morningstar as I have been using Vanguard instead. I do want to weight small and mid cap more heavily. Thanks.
by alloykat
Sun Dec 11, 2016 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: traditional IRA fund advice
Replies: 8
Views: 976

Re: traditional IRA fund advice

Thank you Grabiner for your detailed response. As for the taxable account, I like having the small cap and mid cap index funds for diversification. The value index was a purchase years ago when I was clueless but I see no reason to sell it. Once I sell TWHIX and VQNPX, I was thinking to invest most ...
by alloykat
Sun Dec 11, 2016 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: traditional IRA fund advice
Replies: 8
Views: 976

Re: traditional IRA fund advice

I have edited my original post according to the site posting rules. I apologize for not doing so initially. I am new to this forum and I should have been more diligent about reading the rules. :oops:
by alloykat
Sat Dec 10, 2016 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: VQNPX in taxable account [Vanguard Growth and Income Fund]
Replies: 5
Views: 565

Re: VQNPX in taxable account [Vanguard Growth and Income Fund]

I have no education credit and will have the child care credit in 2016 as well as 2017. Ergo, if I understand you correctly, I should go ahead and sell the fund before 12/22 but wait at least after the 12/22 distribution before investing in VTSAX. Assuming I will be selling at a gain, I do not have ...
by alloykat
Sat Dec 10, 2016 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: traditional IRA fund advice
Replies: 8
Views: 976

Re: traditional IRA fund advice

Thank you.
by alloykat
Sat Dec 10, 2016 11:57 am
Forum: Investing - Help with Personal Investments
Topic: VQNPX in taxable account [Vanguard Growth and Income Fund]
Replies: 5
Views: 565

Re: VQNPX in taxable account [Vanguard Growth and Income Fund]

Thank you jalbert and grabiner. Grabiner, I really appreciate you taking the time to respond to each post that I have made on this site. Your advice is always much appreciated. I agree with both of you and this was my original plan but I thought it deviated from the buy and hold philosophy. Than you...
by alloykat
Fri Dec 09, 2016 7:20 pm
Forum: Investing - Help with Personal Investments
Topic: traditional IRA fund advice
Replies: 8
Views: 976

traditional IRA fund advice

These are my assets alone independent of my husband. We keep our finances separate. Emergency Fund: 6 months worth in checking account Debt: only 650K mortgage at interest rate of 3.75% Tax Filing Status: Married filing Jointly Tax rate: 33% Federal (although this year it will be 28% due to a genero...
by alloykat
Fri Dec 09, 2016 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: VQNPX in taxable account [Vanguard Growth and Income Fund]
Replies: 5
Views: 565

VQNPX in taxable account [Vanguard Growth and Income Fund]

VQNPX Vanguard Growth and Income Fund Investor Shares I have 30K in this fund in my taxable account. It is fund I have add for over 10 years and I have not made any additional contributions to it. It has about 8K in Long Term Gains. It is an actively managed Vanguard fund. If I deposit another 20K i...
by alloykat
Tue Dec 06, 2016 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: ETF vs. index funds
Replies: 12
Views: 1262

Re: ETF vs. index funds

Thanks everyone. I like the beer analogy.
I was wondering if there was some specific advantage to ETF besides small initial investments of which I was unaware.
by alloykat
Tue Dec 06, 2016 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: ETF vs. index funds
Replies: 12
Views: 1262

ETF vs. index funds

I know that index funds are superior for numerous reasons (management fees, shareholder transaction costs, taxation, etc) yet Suze Orman advocates for ETFs as well as index funds. I know if you have limited funds to invest, ETFs are better than keeping the money in a savings account. I assume and ET...
by alloykat
Tue Dec 06, 2016 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Small cap funds and int funds
Replies: 9
Views: 1591

Re: Small cap funds and int funds

Thanks everyone.
by alloykat
Tue Dec 06, 2016 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: TWHIX [American Century Heritage]
Replies: 11
Views: 1122

Re: TWHIX [American Century Heritage]

I am in the 15% federal capital gains bracket and 9.3% CA state. This fund is in a taxable account as it is an UGMA I inherited. Thanks for all the input everyone.
by alloykat
Mon Nov 28, 2016 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: TWHIX [American Century Heritage]
Replies: 11
Views: 1122

TWHIX [American Century Heritage]

Hi All, I inherited (my UGMA) TWHIX. Since capital gains and dividends have consistently been reinvested, the cost basis is 112K with unrealized gains of 70K. The E/R is 1%. It is an actively managed mid cap fund. Now, that I have been educating myself on investments, the expense ratio and active ma...
by alloykat
Mon Nov 28, 2016 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Small cap funds and int funds
Replies: 9
Views: 1591

Re: Small cap funds and int funds

Thank you everyone!

Go to advanced search