Search found 3682 matches

by avalpert
Fri Sep 23, 2016 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: New SOLO 401K assistance
Replies: 22
Views: 1431

Re: New SOLO 401K assistance

TD Ameritrade as well as the other mainstream solo 401k providers do not offer after-tax contributions. Are you certain about this? I just asked the question of TDA and this is the response I got: "Thank you for writing, I'm glad you did! The tax status of contributions to your 401k are a matt...
by avalpert
Fri Sep 23, 2016 9:41 am
Forum: Investing - Help with Personal Investments
Topic: New SOLO 401K assistance
Replies: 22
Views: 1431

Re: New SOLO 401K assistance

TD Ameritrade as well as the other mainstream solo 401k providers do not offer after-tax contributions. Are you certain about this? I just asked the question of TDA and this is the response I got: "Thank you for writing, I'm glad you did! The tax status of contributions to your 401k are a matt...
by avalpert
Tue Sep 13, 2016 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Any SoFi Mortgages? Offering me 3.25% on 2nd home.
Replies: 1
Views: 371

Re: Any SoFi Mortgages? Offering me 3.25% on 2nd home.

I recently closed a refi with them and despite some hiccups that were completely out of their control it was a good experience. They closed at the rate they quoted me even though the lock period had passed because we needed to track down a lien release from two refis ago that was never properly file...
by avalpert
Fri Jul 29, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Card Autopayment - Interest Charges - PSA
Replies: 1
Views: 278

Fidelity Card Autopayment - Interest Charges - PSA

For anyone who uses Fidelity and just went through the switch from FIA Amex to Elan Visa and uses autopay to pay the full balance - check for interest charges on your statement. Apparently the timing of Elan receiving payments got thrown off in the change over and they registered it as late payments...
by avalpert
Tue Jul 26, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Alternatives for Generating Passive Income vs. Other Options
Replies: 17
Views: 2034

Re: Alternatives for Generating Passive Income vs. Other Options

You make 92k a year. That's how you generate income before retirement. Why do you need dividend-producing taxable investments? What are your specific goals? I should have been more precise with my language: I am seeking to create an additional passive source of income that I can draw from starting ...
by avalpert
Mon Jul 11, 2016 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Slice-n-Dice 401K Contributions: What's you method for hitting asset class allocation % targets w/out fractional shares?
Replies: 22
Views: 1423

Re: Slice-n-Dice 401K Contributions: What's you method for hitting asset class allocation % targets w/out fractional sha

However, the more I think about it, when not worrying about re-balancing one needs to just monitor how much money has been distributed to each target asset class, Why do you have to monitor that - to what end? Why would it possibly matter how much was distributed if it doesn't matter how much is in...
by avalpert
Sun Jul 10, 2016 10:39 pm
Forum: Investing - Help with Personal Investments
Topic: wait for the drop?
Replies: 75
Views: 6917

Re: wait for the drop?

But it wouldn't take a 50% drop to get back to DOW 16,500...merely a 9% drop from where it is now at DOW 18,000. Even when the DOW gets to 20,000 it would take one bear market of 20% decline to get the DOW back to 16,500 (or lower like 16,000). I don't see why this seems to be such an impossibility...
by avalpert
Sun Jul 10, 2016 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: wait for the drop?
Replies: 75
Views: 6917

Re: wait for the drop?

This is pretty simple. You intentionally got out at a certain level, so you get back in below that level. What if you never see that level again? There's no need to get back in. This really makes no sense at all - what level you got out of should be irrelevant to any decision to get back in. The on...
by avalpert
Sat Jul 09, 2016 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 vs. W2
Replies: 17
Views: 1386

Re: 1099 vs. W2

$140k is required for the maximum employer contribution, but with an S-Corp, the employer contribution is not subject to payroll taxes. Whereas, to maximize the employer contribution with a Schedule C, you would pay SE taxes on about $185K. Yeah, this seems like the main benefit I could get from el...
by avalpert
Sat Jul 09, 2016 11:08 pm
Forum: Investing - Theory, News & General
Topic: REIT's Get Their Own Sector!
Replies: 13
Views: 1177

Re: REIT's Get There Own Sector!

rattlenap wrote:So will it make tilting toward REIT's redundant since they'll have their own sector now?

Why would you think it would have any impact at all?

What do you think this categorization does to actual valuations and relative weightings?
by avalpert
Sat Jul 09, 2016 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: 1099 vs. W2
Replies: 17
Views: 1386

Re: 1099 vs. W2

Thanks for the responses. I'm incorporating the equivalent of vacation/sick time into my calculation by reducing the number of weeks of paid work a year. I'm also looking at my salary as all-in to include 3% 401k contribution they provide, bonus etc. Would they go for corp-to-corp? I use my C corp. ...
by avalpert
Sat Jul 09, 2016 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: wait for the drop?
Replies: 75
Views: 6917

Re: wait for the drop?

But when I look at the market graph for the past 30 years, it seems even someone as financially unsavvy as myself can see it's going to drop and drop big before too long. Am I missing the boat here? I'm sure I must be because no one here is advocating that as a strategy but I'm baffled as to why. I...
by avalpert
Sat Jul 09, 2016 11:32 am
Forum: Personal Finance (Not Investing)
Topic: 1099 vs. W2
Replies: 17
Views: 1386

1099 vs. W2

Hi, I am in a situation where I may be shifting from a W2 employee to a 1099 contractor (assume the conditions are fully legitimate and align with IRS requirements). As I compare the two income situations I want to make sure I am not missing any of the financial costs/benefits of a 1099 when doing a...
by avalpert
Fri Jul 08, 2016 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of purchasing a home, talk me out of it. can my plan work?
Replies: 47
Views: 3770

Re: thinking of purchasing a home, talk me out of it. can my plan work?

Coming back after reviewing some of your past posts. I can tell you like to hustle, and that's not bad. You seem to have had the house bug ever since you joined us. Initially ( https://www.bogleheads.org/forum/viewtopic.php?f=1&t=137757 ) you were deep in debt and thinking about taking a loan f...
by avalpert
Wed Jul 06, 2016 2:48 pm
Forum: Investing - Theory, News & General
Topic: Are zero interest rates the natural order of things?
Replies: 14
Views: 1248

Re: Are zero interest rates the natural order of things?

I've been reflecting on the shock of zero or negative interest rates from things like gov't bonds or gov't insured CDs, but maybe this is how things should be. Isn't all positive return on money ultimately sourced from profits under capitalism? Why should I expect earnings on investments to come fr...
by avalpert
Tue Jul 05, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in REITs for the long term in Roth IRA
Replies: 12
Views: 1112

Re: Investing in REITs for the long term in Roth IRA

Thanks for all the responses! To answer your question, We both plan to retire in about 25-30 years and between my wife and I we have the following asset breakdown in our retirement funds: Retirement 2050 Blend - 7% Equities - 71% Bonds - 11% Cash in Roth Account / Unallocated- 11% (this would be wh...
by avalpert
Tue Jul 05, 2016 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Zero bonds at 38 yo... and no plans to buy any
Replies: 68
Views: 5310

Re: Zero bonds at 38 yo... and no plans to buy any

If Charlotte blows up like Detroit you lose both your pension and your real estate. Sure, but what's the alternative? Quit a job I like? Don't own real estate? The alternative is not to overly rely on those two, heavily correlated assets, as your safe assets for the future. You could diversify your...
by avalpert
Tue Jul 05, 2016 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in REITs for the long term in Roth IRA
Replies: 12
Views: 1112

Re: Investing in REITs for the long term in Roth IRA

Thanks for all the responses! To answer your question, We both plan to retire in about 25-30 years and between my wife and I we have the following asset breakdown in our retirement funds: Retirement 2050 Blend - 7% Equities - 71% Bonds - 11% Cash in Roth Account / Unallocated- 11% (this would be wh...
by avalpert
Tue Jul 05, 2016 3:15 pm
Forum: Investing - Theory, News & General
Topic: Actively Managed Small-Cap International Funds Beating the Indexes
Replies: 12
Views: 1466

Re: Actively Managed Small-Cap International Funds Beating the Indexes

I approached our 401K advisor about switching my international index fund (FSGDX - Fidelity Global Ex US) to the new FTIPX (Fidelity Total International) which includes small caps and better mimics the total market. Not surprising, he advised that if I wanted exposure in small cap international I w...
by avalpert
Tue Jul 05, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: Actively Managed Small-Cap International Funds Beating the Indexes
Replies: 12
Views: 1466

Re: Actively Managed Small-Cap International Funds Beating the Indexes

I approached our 401K advisor about switching my international index fund (FSGDX - Fidelity Global Ex US) to the new FTIPX (Fidelity Total International) which includes small caps and better mimics the total market. Not surprising, he advised that if I wanted exposure in small cap international I w...
by avalpert
Tue Jul 05, 2016 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: special case: taxable vs. tax-advantaged
Replies: 10
Views: 855

Re: special case: taxable vs. tax-advantaged

livesoft wrote:
avalpert wrote:But you have to pay taxes on a gain, so that's a negative - given both gains and losses one negative and one positive making both neutral...

Yes, but I wish I was paying a million dollars in taxes a year. :beer

I wish I was avoiding a million dollars in taxes a year
by avalpert
Tue Jul 05, 2016 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: special case: taxable vs. tax-advantaged
Replies: 10
Views: 855

Re: special case: taxable vs. tax-advantaged

A short-term gain that is higher than the interest on your savings or money market account (wherever you keep your emergency fund) is a positive. A loss is a negative, but you get to deduct the loss from your taxes, so that's a positive. But you have to pay taxes on a gain, so that's a negative - g...
by avalpert
Sun Jul 03, 2016 11:18 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2241

Re: TIAA Real Estate vs. Vanguard REITS

AValpert: As a non-diversified fund, TIREX should be particularly susceptible to changes in real estate values. The Total Stock Fund should be less volatile when a particular type of asset is affected by such valuation changes but this is not to say that there is never any volatility with this fund...
by avalpert
Sat Jul 02, 2016 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2241

Re: TIAA Real Estate vs. Vanguard REITS

Years ago before retirement I had a 403B in TIAA real estate. This did very well until real estate began to fall. By that time TIAA had already added REITs to their fund, which also enabled greater volatility. When I began to prepare for retirement, I rolled over this account to Vanguard where good...
by avalpert
Fri Jul 01, 2016 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Rent Vs. Buy Example
Replies: 37
Views: 3120

Re: Rent Vs. Buy Example

Look at the dilemma from another viewpoint. Those here who are Landlords are not in the charity business! What you are implying here. Yes, landlords are not in the charity business. The stocks that people invested in are also not non-profit business. There is a basic concept in economics call oppor...
by avalpert
Fri Jul 01, 2016 8:16 am
Forum: Investing - Help with Personal Investments
Topic: TIAA Real Estate vs. Vanguard REITS
Replies: 26
Views: 2241

Re: TIAA Real Estate vs. Vanguard REITS

The Real Estate fund does directly own properties and thus is different from REITs - from my perspective, if diversifying from equities into real estate is the goal it is a better option. It doesn't have the volatility of REITs, some argue about the veracity of its valuation methodology. The costs a...
by avalpert
Thu Jun 30, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Which online only banks provide this?
Replies: 23
Views: 1753

Re: Which online only banks provide this?

Charles Schwab bank is what you need. You will have to deposit using a smart phone. How does that meet his number 1 criteria? Deposit is much easier and convenient with a phone, save him trips to ATMs. So that beats his number #1 criteria. I do have account at another bank which I can deposit using...
by avalpert
Thu Jun 30, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Which online only banks provide this?
Replies: 23
Views: 1753

Re: Which online only banks provide this?

wander wrote:Charles Schwab bank is what you need. You will have to deposit using a smart phone.

How does that meet his number 1 criteria?
by avalpert
Thu Jun 30, 2016 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 87
Views: 6753

Re: Do we have enough to retire?

I've tended to avoid index funds. I think the conclusions that people are drawing samples from is small (~100 years), And yet you use Zillow to base your beliefs on real estate? Honestly, I wish the home values went back further. I'd like to think we're being somewhat more data driven than the aver...
by avalpert
Thu Jun 30, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me decide if I should dump a loser stock
Replies: 28
Views: 1218

Re: Please help me decide if I should dump a loser stock

At least you learned a lesson! However, I think you made a mistake by not holding onto the stock after making the initial mistake. Selling low and buying into bonds is exactly the type of fear-based reaction you should avoid. Especially since it is NOT a STOCK, but a sector-specific, lowcost index ...
by avalpert
Thu Jun 30, 2016 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me decide if I should dump a loser stock
Replies: 28
Views: 1218

Re: Please help me decide if I should dump a loser stock

At least you learned a lesson! However, I think you made a mistake by not holding onto the stock after making the initial mistake. Selling low and buying into bonds is exactly the type of fear-based reaction you should avoid. Especially since it is NOT a STOCK, but a sector-specific, lowcost index ...
by avalpert
Thu Jun 30, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Please help me decide if I should dump a loser stock
Replies: 28
Views: 1218

Re: Please help me decide if I should dump a loser stock

At least you learned a lesson! However, I think you made a mistake by not holding onto the stock after making the initial mistake. Selling low and buying into bonds is exactly the type of fear-based reaction you should avoid. I disagree. There is no reason to hold onto it - you are better off cutti...
by avalpert
Thu Jun 30, 2016 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 87
Views: 6753

Re: Do we have enough to retire?

Why do you want to retire? What would you do? That is something you need to ask yourself. If you wanted to, you could. But you might want to consider your lifestyle. Most people have no choice to retire at 34. Or even 54. Your question of having enough to retire is mathematical, but also very much ...
by avalpert
Thu Jun 30, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Refinancing Home to buy Stocks. Confusion
Replies: 62
Views: 4211

Re: Refinancing Home to buy Stocks. Confusion

Assuming a 30 year mortgage, has the stock market ever returned 2.625% over 30 years? I'd expect the answer to be no but I'm not sure and just because it hasn't happened doesn't mean it won't. If one wouldn't go through with this plan because stocks might have poor returns, isn't that a very small ...
by avalpert
Thu Jun 30, 2016 2:10 pm
Forum: Investing - Theory, News & General
Topic: Equities = musical chairs?
Replies: 93
Views: 4110

Re: Equities = musical chairs?

As others have pointed out, this is factually incorrect and underpins the fundamental error you make throughout the thread. Equities are a real claim on existing assets of a company - that has an intrinsic value. The future value those assets will generate have inherent uncertainty (as anything inv...
by avalpert
Thu Jun 30, 2016 12:04 pm
Forum: Investing - Theory, News & General
Topic: Equities = musical chairs?
Replies: 93
Views: 4110

Re: Equities = musical chairs?

Like gold, equities hold no intrinsic value beyond a group's belief that they have value. The value of life itself is a group belief. What you are exploring is a form of nihlism. It's not going to lead to any useful result. Are you sure though that the current PE ratio will stay? Are you sure that ...
by avalpert
Thu Jun 30, 2016 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 87
Views: 6753

Re: Do we have enough to retire?

So you retire at 34. What are you going to do for the next 60 years? So much more! I guess some people cannot see past their jobs. For one they have a kid. Spending time with them is precious. This is definitely not a pro early retirement board. Maybe, but is buying a house in the suburb and living...
by avalpert
Thu Jun 30, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: How much of upcoming dividend is in stock price?
Replies: 24
Views: 1788

Re: How much of upcoming dividend is in stock price?

It should be a function of the certainty with which the dividend will be paid - which does increase the closer you get to the date but is itself situation-specific.
by avalpert
Thu Jun 30, 2016 11:56 am
Forum: Investing - Theory, News & General
Topic: Equities = musical chairs?
Replies: 93
Views: 4110

Re: Equities = musical chairs?

Like gold, equities hold no intrinsic value beyond a group's belief that they have value. As others have pointed out, this is factually incorrect and underpins the fundamental error you make throughout the thread. Equities are a real claim on existing assets of a company - that has an intrinsic val...
by avalpert
Thu Jun 30, 2016 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Do we have enough to retire?
Replies: 87
Views: 6753

Re: Do we have enough to retire?

So you retire at 34. What are you going to do for the next 60 years? So much more! I guess some people cannot see past their jobs. For one they have a kid. Spending time with them is precious. This is definitely not a pro early retirement board. Maybe, but is buying a house in the suburb and living...
by avalpert
Thu Jun 30, 2016 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Please help me decide if I should dump a loser stock
Replies: 28
Views: 1218

Re: Please help me decide if I should dump a looser stock

Sell and move on - you recognize it was a mistake, no need to compound it by continuing to take the uncompensated risk of an undiversified holding.
by avalpert
Thu Jun 30, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Which online only banks provide this?
Replies: 23
Views: 1753

Re: Which online only banks provide this?

Capital One 360 accounts let you deposit cash at Capital One ATMs and also give you free access to the Allpoint network of ATMs (what you oftgen find in CVS, 711 etc.).
by avalpert
Thu Jun 30, 2016 8:43 am
Forum: Investing - Theory, News & General
Topic: Investing Returns on the S&P500
Replies: 34
Views: 2155

Re: Investing Returns on the S&P500

Yes, you suffer from recency bias that you dismiss a recent, long-term period of bonds outperforming because it doesn't conform to your preconceived conclusions. Which is also why you are so keen on this 140 year history - even though it doesn't address the issue of bond performance at all - you ca...
by avalpert
Wed Jun 29, 2016 11:03 pm
Forum: Investing - Theory, News & General
Topic: Investing Returns on the S&P500
Replies: 34
Views: 2155

Re: Investing Returns on the S&P500

Bonds have beat stocks from 1986 through 2016? Really? I must have missed that... :confused Fact check: $1 in VG total bond in 1986 is now worth $6, $1 in VG S&P 500 in 1986 is now worth $15. (exactly three crashes, and multiple bloodbaths/panics/etc. later) Well sure, if your idea of recent hi...
by avalpert
Wed Jun 29, 2016 10:39 pm
Forum: Investing - Theory, News & General
Topic: Investing Returns on the S&P500
Replies: 34
Views: 2155

Re: Investing Returns on the S&P500

Trust me buddy. Anybody who has been heavy on equities for the long term is definitely not "behind." Just look at that original post. It tells the whole story! :beer Sure, it tells the whole story - except for the alternative investment returns... it's not like we didn't just have a perio...
by avalpert
Wed Jun 29, 2016 10:02 pm
Forum: Investing - Theory, News & General
Topic: Investing Returns on the S&P500
Replies: 34
Views: 2155

Re: Investing Returns on the S&P500

Sounds like you're catching up! :sharebeer Or you are falling behind Trust me buddy. Anybody who has been heavy on equities for the long term is definitely not "behind." Just look at that original post. It tells the whole story! :beer Sure, it tells the whole story - except for the altern...
by avalpert
Wed Jun 29, 2016 9:27 pm
Forum: Investing - Theory, News & General
Topic: Investing Returns on the S&P500
Replies: 34
Views: 2155

Re: Investing Returns on the S&P500

Yeah, I understand what a "meaningful argument" (oxymoron) "would look like." That chart speaks for itself when considering long term investing and the negative role that bonds can play. Amazing what you can glean from a chart that has no reference to bonds - that does speak for...
by avalpert
Wed Jun 29, 2016 8:50 pm
Forum: Investing - Theory, News & General
Topic: Investing Returns on the S&P500
Replies: 34
Views: 2155

Re: Investing Returns on the S&P500

With facts like that chart portrays, there's little room for argument. Ah hah, so it isn't that you don't have an argument you just don't understand what a meaningful argument would look like, gotcha. Yeah, I understand what a "meaningful argument" (oxymoron) "would look like." ...
by avalpert
Wed Jun 29, 2016 7:40 pm
Forum: Investing - Theory, News & General
Topic: Investing Returns on the S&P500
Replies: 34
Views: 2155

Re: Investing Returns on the S&P500

Jack, why are you being coy and smug? It's what you do when you don't have an actual argument to make With facts like that chart portrays, there's little room for argument. Ah hah, so it isn't that you don't have an argument you just don't understand what a meaningful argument would look like, gotc...
by avalpert
Wed Jun 29, 2016 4:07 pm
Forum: Investing - Theory, News & General
Topic: Investing Returns on the S&P500
Replies: 34
Views: 2155

Re: Investing Returns on the S&P500

Huh? This chart doesn't compare the returns to the risk-free rate, let alone the returns of bonds. It doesn't in anyway help inform that decision. Think about it.... :twisted: Jack, why are you being coy and smug? It's what you do when you don't have an actual argument to make With facts like that ...

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