Search found 5827 matches

by avalpert
Wed Oct 18, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: S-Corp Solo 401k Salary Deferral (How to)
Replies: 14
Views: 606

Re: S-Corp Solo 401k Salary Deferral (How to)

The earliest you can make W-2 employee deferrals is the first pay period after the effective date of the one-participant 401k and the date employee deferral election that is on compensation not already received. The latest you can make W-2 employee deferrals for this year is a "pay date" on or befo...
by avalpert
Tue Oct 17, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13530

Re: Dividends vs. Capital Gains for Spending Needs?

Triceratop, In my statement I was responding to the conversation that PKCrafter & Dbr were having concerning "qualities & preferences" in the dividend puzzle. I was trying to say that I understand why investors are confused about dividends. I consider myself very logical. Before I started investing...
by avalpert
Tue Oct 17, 2017 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: S-Corp Solo 401k Salary Deferral (How to)
Replies: 14
Views: 606

Re: S-Corp Solo 401k Salary Deferral (How to)

The employee deferral has to come from your W2 paycheck - if you raise your salary in order to fund the deferral you will have to pay payroll taxes on that. I don't believe you need to spread it out over the year and could just issue higher paychecks for the next couple of months to accomodate.
by avalpert
Tue Oct 17, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13530

Re: Dividends vs. Capital Gains for Spending Needs?

Well if I pay 33% federal tax interest rec'd pays that amount. If I acquire a qualified dividend fund I would pay 15% federal tax on dividends rec'd and still have equity exposure, low beta, and a 4% income. Now that's bias towards income receipts but doesn't really affect my long stock allocation ...
by avalpert
Tue Oct 17, 2017 4:12 pm
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13530

Re: Dividends vs. Capital Gains for Spending Needs?

I just put a lot of money into the TSM Fund so I could get exposure to the whole market. And to reduce (dividend taxes) in the future. The TSM fund will probably work out better for me over the long haul. I' am trying to get a super efficient portfolio. However, I see both sides of the coin... :thu...
by avalpert
Tue Oct 17, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 275
Views: 12133

Re: Fellow TDA bogleheads

I doesn't just seem financially inconsistent, it seems completely reactionary. It comes across as one of those customers that thinks everything should be free for them and as soon as it isn't they blame the company as if it was a personal attack. Why shouldn't we act this way? Companies don't gener...
by avalpert
Tue Oct 17, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 275
Views: 12133

Re: Fellow TDA bogleheads

I doesn't just seem financially inconsistent, it seems completely reactionary. It comes across as one of those customers that thinks everything should be free for them and as soon as it isn't they blame the company as if it was a personal attack. Expects everything to be free for them... because th...
by avalpert
Tue Oct 17, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 275
Views: 12133

Re: Fellow TDA bogleheads

I just sent message to TDA telling them how disappointed and annoyed with this change I am. I think everyone who uses TDA and does not like this change should let them know. Simply put, this change makes TDA non-competitive in the area of comission-free ETF trading and will force my household to mo...
by avalpert
Tue Oct 17, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 275
Views: 12133

Re: Fellow TDA bogleheads

I just sent message to TDA telling them how disappointed and annoyed with this change I am. I think everyone who uses TDA and does not like this change should let them know. Simply put, this change makes TDA non-competitive in the area of comission-free ETF trading and will force my household to mo...
by avalpert
Tue Oct 17, 2017 9:47 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 275
Views: 12133

Re: Fellow TDA bogleheads

I just sent message to TDA telling them how disappointed and annoyed with this change I am. I think everyone who uses TDA and does not like this change should let them know. Simply put, this change makes TDA non-competitive in the area of comission-free ETF trading and will force my household to mo...
by avalpert
Tue Oct 17, 2017 9:28 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 275
Views: 12133

Re: Fellow TDA bogleheads

Hi Guys, I'd encourage everyone to call TDA and let them know of your disappointment for taking vanguard ETFs commission free status away. I just called them and let my representative know this pushes me significantly further away from TDA and that I am now considering liquidating all assets from T...
by avalpert
Tue Oct 17, 2017 7:41 am
Forum: Personal Consumer Issues
Topic: Anyone taken a mid-career sabbatical?
Replies: 47
Views: 6746

Re: Anyone taken a mid-career sabbatical?

Reviving this old thread. My work allows for 3-month unpaid personal leaves. They would continue to pay health insurance, and I would have my job when I get back. I'm considering taking a leave next summer. My situation is a bit different than others in this thread though -- I have two youngish kid...
by avalpert
Mon Oct 16, 2017 9:31 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 275
Views: 12133

Re: Fellow TDA bogleheads

Currently I have most of my HSA at TDA invested in the Vanguard Total Bond Market Index ETF (BND). Is there an equivalent to BND in the new ETF lineup? I took a glance and couldn't identify any based on name; the ones that seem sort of close also have exciting things in the name that turn me off ("...
by avalpert
Mon Oct 16, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Joining Federal Service - A No-Brainer?
Replies: 20
Views: 2257

Re: Joining Federal Service - A No-Brainer?

Is this you speaking or her speaking? Does she want to restrict her search to government jobs? Does she want a government job at all? In the list of considerations in choosing her next job (particularly one you think she might be in for decades), accruing a deferred annuity is far down the list of w...
by avalpert
Mon Oct 16, 2017 8:59 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 275
Views: 12133

Re: Fellow TDA bogleheads

This is disappointing, but am I the only one who will stay? How often are you buying/selling/rebalancing? I do it a couple times a year, and at $7 a trade, this isn’t too bad. I doubt I'd pull all my accounts out, there are viable options on the new free list for most of my core investments and I p...
by avalpert
Mon Oct 16, 2017 8:51 pm
Forum: Investing - Theory, News & General
Topic: Regular Taxable Accounts vs Tax-Advantaged
Replies: 10
Views: 819

Re: Regular Taxable Accounts vs Tax-Advantaged

The gist of my question: Is it OK for certain investors in unusual cases to invest via traditional, regular, “taxable” accounts and never invest in tax-advantaged accounts (like 401Ks, IRAs, or Roth accounts)? Explanation: I have been trying to better learn investing theory in order to better manag...
by avalpert
Mon Oct 16, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Giving Less in Dividends than Competitors?
Replies: 13
Views: 1949

Re: Vanguard Giving Less in Dividends than Competitors?

The UBS guy is a disingenuous snake at best and downright ignorant at worst - do not go to him for investment advice. Funds have little discretion on whether to distribute dividends received or not. Comparing two funds dividend yield, other than for the purpose of determining tax cost impact, is irr...
by avalpert
Mon Oct 16, 2017 3:06 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12013

Re: Bogle thinks markets are fully valued

And yet, the results speak for themselves. She is STILL worth $100s of MMs and is one of the "Sharks" on Shark Tank. I know who I'll be calling for advice 8-) Yes, if you want to learn how to turn being a real estate investor into becoming a TV personality she is definitely a good one to call - but...
by avalpert
Mon Oct 16, 2017 2:01 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12013

Re: Bogle thinks markets are fully valued

... This is so 90's infomercial - I think I'll just make my fortune in Showtime Rotisserie Grills... Worse than infomercial, CNBC used to have a show " The Millionaire Inside ", I vividly remember in 2007 Barbara Corcoran (now famous for Shark Tank) being on the show bragging about having real esta...
by avalpert
Mon Oct 16, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Employer Listens To Brokerage Calls?
Replies: 13
Views: 1159

Re: Employer Listens To Brokerage Calls?

I would say your employer is as interested in tracking down your conversations with your broker as a random person is spending their time trolling a straightforward financial advice forum - oh, wait.

Really, how do you get any enjoyment out of this endeavor, I really don't get it.
by avalpert
Mon Oct 16, 2017 10:38 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 275
Views: 12133

Re: Fellow TDA bogleheads

It really doesn't look that bad at all. The new State Street portfolio funds are added low cost competition - that is a good thing - and seem to cover all the broad categories. Of my core funds, the only one that I currently buy there with no commission that I don't see a great replacement for me i...
by avalpert
Mon Oct 16, 2017 9:50 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 275
Views: 12133

Re: Fellow TDA bogleheads

jhfenton wrote:
Mon Oct 16, 2017 9:45 am
deltaneutral83 wrote:
Mon Oct 16, 2017 9:43 am
So how much longer will VTI be traded commission free on TDA, or is it a already over?
It should be at least 30 days from when they make the change official.
Right, I'm going to call them later today to confirm.
by avalpert
Mon Oct 16, 2017 9:49 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 275
Views: 12133

Re: Fellow TDA bogleheads

It really doesn't look that bad at all. The new State Street portfolio funds are added low cost competition - that is a good thing - and seem to cover all the broad categories. Of my core funds, the only one that I currently buy there with no commission that I don't see a great replacement for me is...
by avalpert
Mon Oct 16, 2017 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 1844

Re: Bonds v. bond funds

My understanding is that another concern with bond funds is that the yield is not guaranteed. That's aside from the risk of the value of the fund itself dropping, and so it's particularly a concern if you are using the bond fund yield to live on. My understanding is that if you buy a bond yielding ...
by avalpert
Mon Oct 16, 2017 8:47 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 1844

Re: Bonds v. bond funds

- be diluted because the bid-ask spreads on the sold bonds but not on the fund shares for redeeming investors. NAV is calculated with the mid price, but say for argument the mid is 100 and the bid-ask is 99-101, then the bonds will be sold at 99, but the redeeming investor will get an NAV assuming ...
by avalpert
Mon Oct 16, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 1844

Re: Bonds v. bond funds

Of course, the principal of an individual bond does fluctuate. The 'principal' doesn't fluctuate (whether an individual bond or for the bonds held by a fund) but the value does. My guess is a lot of the confusion between individual bonds and funds is in one you see the changing value every day and ...
by avalpert
Mon Oct 16, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12013

Re: Bogle thinks markets are fully valued

... This is so 90's infomercial - I think I'll just make my fortune in Showtime Rotisserie Grills... Worse than infomercial, CNBC used to have a show " The Millionaire Inside ", I vividly remember in 2007 Barbara Corcoran (now famous for Shark Tank) being on the show bragging about having real esta...
by avalpert
Mon Oct 16, 2017 12:04 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12013

Re: Bogle thinks markets are fully valued

Not buying it. No matter what the reason, pulling money out of the market when the market is up is timing the market. In scenario A the only reason one would sleep better at 60% is because they know they'd lose less in a crash (and hence be able to buy more at that time as well). In B they're just ...
by avalpert
Sun Oct 15, 2017 11:54 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 12013

Re: Bogle thinks markets are fully valued

I don't think it's market timing to take money out because you think you're over exposed in stocks and you want to be in a less risky position. To me, market timing involves selling because you think you'll be able to buy it back later for cheaper. I think there's a subtle yet distinct difference i...
by avalpert
Sun Oct 15, 2017 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Severance includes 2 yrs healthcare. Should I use that instead of new company?
Replies: 27
Views: 2083

Re: Severance includes 2 yrs healthcare. Should I use that instead of new company?

To me, the main concern is that old employer insurance ends in August month while new enrollment at companies are on calendar month of jan to dec. Would this be considered an event that you can enroll at new employer next august (2018) or 2019 august? Yes, former HR manager here. Losing other cover...
by avalpert
Sun Oct 15, 2017 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: should I buy in Record High? S&P 500
Replies: 43
Views: 5679

Re: should I buy in Record High? S&P 500

3funder wrote:
Sun Oct 15, 2017 9:41 pm
If you're going to buy on a regular basis, then yes, buy. Also, I think you're best served by keeping things simple; don't worry about the small caps. Over the long haul, TSM & 500 Index Fund perform similarly.
How is using the 500 index any simpler than using a TSM index?
by avalpert
Sun Oct 15, 2017 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 1844

Re: Bonds v. bond funds

I think I'm still missing something, or something wasn't explained. I have two baskets of bonds. Basket A held in a fund and Basket B held in my brokerage account. The bond market craters 50% on Black Monday. My fellow fund owners all scream SELL MORTIMER SELL, and the bond manager liquidates to pa...
by avalpert
Sun Oct 15, 2017 7:14 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3129

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

Which is more diversified: a basket of 200 stocks of small companies, all in the same line of business, or a massive conglomerate with 200 divisions, each in a different line of business? Definitely 200 small companies,one scandal in one corporation can bring down 200 divisions of one company A dow...
by avalpert
Sun Oct 15, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13530

Re: Dividends vs. Capital Gains for Spending Needs?

I have a preference for dividends but I don't chase them and I don't buy investments just for their yield. The market does a pretty good job setting prices, I know people who have chased yield too hard only to see the value of their securities decline over time. What the extra yield giveth, decline...
by avalpert
Sun Oct 15, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13530

Re: Dividends vs. Capital Gains for Spending Needs?

Some opinions and questions: I recognize that dividend payments are simply part of total return, and that it to first order it shouldn't matter mathematically whether the total return is from dividends or buybacks/capital gains. I further recognize that an investor should not chase yield and should...
by avalpert
Sun Oct 15, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13530

Re: Dividends vs. Capital Gains for Spending Needs?

I have a preference for dividends but I don't chase them and I don't buy investments just for their yield. The market does a pretty good job setting prices, I know people who have chased yield too hard only to see the value of their securities decline over time. What the extra yield giveth, decline...
by avalpert
Sat Oct 14, 2017 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: Severance includes 2 yrs healthcare. Should I use that instead of new company?
Replies: 27
Views: 2083

Re: Severance includes 2 yrs healthcare. Should I use that instead of new company?

runner3081 wrote:
Sat Oct 14, 2017 6:59 pm
Exactly... as I stated, losing coverage (your fault or now) is a qualifying event.
Not entirely true - if you lose coverage during the plan year (say for lack of payment) it would not be a qualifying event.
by avalpert
Sat Oct 14, 2017 7:01 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3129

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

StevieG72 wrote:
Sat Oct 14, 2017 6:54 pm
S&P 600

Hindsight is 20/20, chasing performance is a good way to lose money.
Choosing between AAPL vs. S&P 600 because of a misguided understanding of what diversification is has nothing to do with performance chasing.
by avalpert
Sat Oct 14, 2017 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Severance includes 2 yrs healthcare. Should I use that instead of new company?
Replies: 27
Views: 2083

Re: Severance includes 2 yrs healthcare. Should I use that instead of new company?

To me, the main concern is that old employer insurance ends in August month while new enrollment at companies are on calendar month of jan to dec. Would this be considered an event that you can enroll at new employer next august (2018) or 2019 august? Yes, former HR manager here. Losing other cover...
by avalpert
Sat Oct 14, 2017 4:41 pm
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 275
Views: 12133

Re: Fellow TDA bogleheads

Their terms require 30 days notice before removing ETFs from the list - so I'd wait until official notice and see what kind of reaction they get.
by avalpert
Sat Oct 14, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3129

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

The reason I'm asking is that every now and then the question comes up, is market cap weighting the best way to invest? Isn't it too concentrated in its top holdings? And then we get the usual string of replies, like market cap weighting is the most diversified, market cap weighting is on the effic...
by avalpert
Sat Oct 14, 2017 12:00 pm
Forum: Investing - Theory, News & General
Topic: Does market timing matter for long term investing?
Replies: 11
Views: 1056

Re: Does market timing matter for long term investing?

Market timing would matter for long-term investing if you could do it successfully - odds are (fairly significantly high odds I would say) you can't so you shouldn't try.
by avalpert
Sat Oct 14, 2017 11:18 am
Forum: Investing - Help with Personal Investments
Topic: Bonds v. bond funds
Replies: 36
Views: 1844

Re: Bonds v. bond funds

I think most of the responses here skirt around the real question you need to focus on - it isn't bonds vs. bond funds it is what are you investing in bonds for and given that which vehicle is the most efficient way to achieve your objective. Are you looking for exposure to a constant duration acros...
by avalpert
Fri Oct 13, 2017 10:17 pm
Forum: Personal Consumer Issues
Topic: Sabbatical Money
Replies: 6
Views: 860

Re: Sabbatical Money

I wouldn't save for it separately. If you need to be more conservative with your overall portfolio to accommodate than lower your current stock exposure (it may be better for the fixed income to be in your tax-advantaged accounts). If your overall finances take a big hit you can reassess whether you...
by avalpert
Fri Oct 13, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Itemized Tax Deductions
Replies: 10
Views: 561

Re: Itemized Tax Deductions

I was in the same boat. Small business owners are afforded huge tax advantages. As an employee when your mortgage interest deductions get small you are pretty much Out of luck. Max out your 401 k and HSA if your company has one. This has it backwards - small business owners don't have huge tax adva...
by avalpert
Fri Oct 13, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: Dividends vs. Capital Gains for Spending Needs?
Replies: 191
Views: 13530

Re: Dividends vs. Capital Gains for Spending Needs?

Some opinions and questions: I recognize that dividend payments are simply part of total return, and that it to first order it shouldn't matter mathematically whether the total return is from dividends or buybacks/capital gains. I further recognize that an investor should not chase yield and should...
by avalpert
Thu Oct 12, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Books on setting up a 401k-solo and managing it
Replies: 14
Views: 724

Re: Books on setting up a 401k-solo and managing it

A. Employer contributes 36k. B. I contribute a VAT amount of 36k(voluntary after tax amount) If I choose B, I know I can roll into into a Roth IRA right away. Can I roll it into a Roth 401k? tfb has a solo 401k administered through Ascensus with assets held at Fidelity and here's how he does it: Me...
by avalpert
Thu Oct 12, 2017 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: How young is too young to retire.
Replies: 49
Views: 5756

Re: How young is too young to retire.

You might want to read through this series to get a better appreciation for safe withdrawal rates over longer time frames - part 17 includes an analysis of how social security impacts it (for earlier retirements the answer is not that much).
by avalpert
Thu Oct 12, 2017 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Two Solo 401Ks for self under one EIN? (both sole proprietorships)
Replies: 12
Views: 551

Re: Two Solo 401Ks for self under one EIN? (both sole proprietorships)

Even if you had separate EINs it would still be a controlled group for 401k purposes and for controlled groups compensation limits are applied as if they are a single entity. So there would be no benefit to having a second plan anyway - you can't increase your contribution amount by doing so. Edit: ...
by avalpert
Wed Oct 11, 2017 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Which BoA Credit Card to use?
Replies: 15
Views: 950

Re: Which BoA Credit Card to use?

It depends on what you are spending on - groceries, costco and gas have higher rate on the Cash Rewards card and everything else on Travel Rewards. The Premium Reward card has the same generic rate as the Travel Rewards and higher rates for Travel/Restaurants but comes with an annual fee (and offers...