Search found 195 matches

by dougger5
Sun Jul 23, 2017 1:42 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 204
Views: 20284

Re: 2017 hedge fund contest

Middle Branch Multiflora Rose Capital Thorn Fund The market goes up, the market goes down, but Rosa Multiflora grows on. Trust The Bramble® LONG UTX - United Technologies Corp JEC - Jacobs Engineering Corp GD - General Dynamics SHORT RHT - Red Hat Software SCAI - Surgical Care Affiliates As a belat...
by dougger5
Tue Jul 18, 2017 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1576

Re: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)

This is a pending Shark Attack, yes. Understanding it at this point will allow the OP to fend it off easily... Ha! Indeed, the sharks with whom I have my current policy have sent me a "Aww, c'mon...give us a call!" letter upon notification of my impending switch to someone else. "Gee...
by dougger5
Mon Jul 17, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1576

Re: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)

Why is net worth info needed to buy term life insurance? I would not provide that. None of their business. +1 Sounds like one of the individual big companies that have salesmen who want to sell you whole life or annuities either now or later. Are you applying for several million in insurance? Have ...
by dougger5
Sun Jul 16, 2017 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1576

Re: Net Worth Calculation - Am I Doing It Right?

DW and I are applying for new term life insurance policies. As part of our respective applications, we're asked to provide our net worth. Now I know this is a matter of simply subtracting liabilities from assets. My uncertainty concerns how to calculate our individual net worth, taking into account...
by dougger5
Sun Jul 16, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1576

Re: Net Worth Calculation - Am I Doing It Right?

What about her assets and her liabilities? I just offered the case of my net worth as an example of how I think our respective net worth's would be calculated, if I get the point of your question. So for her personal net worth, just substitute "my" in the above equation with "her.&qu...
by dougger5
Sun Jul 16, 2017 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)
Replies: 16
Views: 1576

Net Worth Calculation - Am I Doing It Right? (Individual vs Joint Figures)

DW and I are applying for new term life insurance policies. As part of our respective applications, we're asked to provide our net worth. Now I know this is a matter of simply subtracting liabilities from assets. My uncertainty concerns how to calculate our individual net worth, taking into account ...
by dougger5
Thu Jul 06, 2017 6:47 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3589
Views: 946095

Re: U.S. stocks in freefall

I have a confession to make. Last week I was hoping this week would be terrible because I knew I'd have new money to invest today. Lo and behold, the market took a nice little dip today just when I was ready to invest. :D I have an automatic investment set up for my Roth that goes in every Wednesda...
by dougger5
Sat Jul 01, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: Question re: VBTLX Dividend Received
Replies: 5
Views: 399

Re: Question re: VBTLX Dividend Received

My VBTLX shows the additional shares. I double-checked by looking at "Balances By Date," and compared the number of shares for 6/29 vs. 6/30, and the 6/30 balance reflects the additional shares.
by dougger5
Fri Jun 30, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: vetting/finding a financial advisor
Replies: 58
Views: 2119

Re: vetting/finding a financial advisor

Somewhat reluctantly, I selected a CFP for my recently-widowed mother, as it became obvious that getting her to do something reasonable with her portfolio (single stocks, sector concentrations and the like) would require a neutral third party. There's a thread or two here with my hand-wringing over ...
by dougger5
Sat Jun 24, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: Evaluating Asphalt Driveway Sealing Bid
Replies: 8
Views: 753

Re: Evaluating Asphalt Driveway Sealing Bid

Thanks folks. I have strongly advised her to get at least one more estimate, offering to haul myself over to be present for it if she can swing it for the week of the 4th. We'll see.
by dougger5
Sat Jun 24, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: Evaluating Asphalt Driveway Sealing Bid
Replies: 8
Views: 753

Re: Evaluating Asphalt Driveway Sealing Bid

This one is difficult since the crack filling work can take some time compared to the sealing. Plain sealing runs about 15 - 18 cents per square foot in our area, so it would be good if you had a breakdown of how the proposed total was reached. Crack-filling could easily add a few hundred to your d...
by dougger5
Sat Jun 24, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: Evaluating Asphalt Driveway Sealing Bid
Replies: 8
Views: 753

Evaluating Asphalt Driveway Sealing Bid

My mother recently received an estimate for asphalt sealing, and I'm thinking it's a bit on the high side. So I'd appreciate some input. I have read some previous threads on this subject, so I am aware that the accepted best method is to do this one's self with "airport grade" asphalt seal...
by dougger5
Sun Jun 11, 2017 1:25 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1632

Re: Best Way To Code A Text Parser

Take a look at Perl. It was originally designed for just this kind of application. If you do decide to give Perl a chance, you need to decide up front whether to use Perl 5 or Perl 6. The last I used Perl there was no Perl 6 so I can't give you any guidance on that decision. (It's been long enough ...
by dougger5
Sun Jun 11, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1632

Re: Best Way To Code A Text Parser

Are there api's for creating an excel spreadsheet? If so I think that would be good or shoot data into MySQL db. Python is used for this tyep of work. Do you have a tool to make PDFs? I have heard of spmething called iText but you must purchase it. Use tool which has most capabilities. No, I figure...
by dougger5
Sun Jun 11, 2017 12:53 pm
Forum: Personal Consumer Issues
Topic: Best Way To Code A Text Parser
Replies: 27
Views: 1632

Best Way To Code A Text Parser

We have an application which spits out weekly plain text files with audit log information - all user activity. I need to develop a parser that will pull out a particular type of activity and the users that perform it. The two options I'm considering: 1)C++ - I did similar stuff writing console-based...
by dougger5
Wed Jun 07, 2017 6:02 pm
Forum: Personal Consumer Issues
Topic: Trail Camera Recommendations
Replies: 3
Views: 407

Re: Trail Camera Recommendations

Thanks Mike & Yooper! Had a Moultrie cam (low end) that worked great for about 2 weeks, then the infrared filter got stuck so nighttime photos were awful. I also didn't like how ANY movement (i.e. wind in the trees) would trigger it. And yes, battery life was a problem. Plus they're C cell, how ...
by dougger5
Wed Jun 07, 2017 1:16 pm
Forum: Personal Consumer Issues
Topic: Trail Camera Recommendations
Replies: 3
Views: 407

Trail Camera Recommendations

Currently we have an old Moultrie model. Only 2.1MP and sucks down a new battery in ~12 hours, so we're looking to update. Solar-powered would be a bonus - initial poking turned up a model by Spypoint - https://www.spypoint.com/EN/products/solar-trail-camera/product-SOLAR.html - with online price ra...
by dougger5
Sat May 27, 2017 11:23 am
Forum: Personal Consumer Issues
Topic: Septic Pumping - Did I get ripped off?
Replies: 45
Views: 4069

Re: Septic Pumping - Did I get ripped off?

Please tell me what you all flush down the drain besides human waste that requires pumping every three years? The 3 year pumping practice is the lowest common denominator for very most inefficient practice hence the rational for local ordinances. Theoretically a proper designed system will function...
by dougger5
Sat May 20, 2017 8:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard makes an impact in the England market
Replies: 13
Views: 1418

Re: Vanguard makes an impact in the England market

...which ones were you looking at? I figured the Target fund might have been one of the lower initial investment ones, as they are here, but I just see the same £100k figure. Edit: Hmmm, url tags not working as expected. Those URLs are for funds that are offered through Vanguard's old platform. Thi...
by dougger5
Sat May 20, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard makes an impact in the England market
Replies: 13
Views: 1418

Re: Vanguard makes an impact in the England market

Just checked a couple funds, and the initial minimum investments seem kind of on the high side - £100,000. Not real easy for the retail investor of modest means to get into, I'd think. Which fund has a £100,000 minimum? Every fund I checked has a minimum investment of £500. FTSE 100 Index Unit Trus...
by dougger5
Sat May 20, 2017 5:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard makes an impact in the England market
Replies: 13
Views: 1418

Re: Vanguard makes an impact in the England market

Just checked a couple funds, and the initial minimum investments seem kind of on the high side - £100,000. Not real easy for the retail investor of modest means to get into, I'd think.
by dougger5
Wed May 17, 2017 4:01 pm
Forum: Personal Consumer Issues
Topic: Sony a6500
Replies: 24
Views: 1699

Re: Sony a6500

Welcome to mirrorless! I've had Sony NEX6 for four years now, and it's been great. My main attraction was the ease of adapting it to my old Minolta MF lenses. RE: the UV filter - I wouldn't put anything like that between Zeiss glass and the world, but that's me :D A few resources: http://sonyalphala...
by dougger5
Mon May 15, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Funny Letter [Canceling Escrow Account]
Replies: 39
Views: 5151

Re: Funny Letter [Canceling Escrow Account]

FWIW, self escrow is wonderful. Especially when it's in an Ally 1.05% savings account. +1 We declined escrow when we started our current mortgage back in 2005, preferring to just make sure we sock away a minimum/month and get a few bucks of interest. 2 years ago, our mortgage bank started sending u...
by dougger5
Sun Apr 02, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 141
Views: 15807

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Just to clarify - should I wait for a confirmation email before mailing payment, or mail the payment immediately? Moot point if the email arrives before I even have a chance to mail it...but I figured I'd ask anyway. You're not fully registered and guaranteed a spot until/unless your check is recei...
by dougger5
Sun Apr 02, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT
Replies: 141
Views: 15807

Re: 2017 BOGLEHEADS CONFERENCE ANNOUNCEMENT

Just to clarify - should I wait for a confirmation email before mailing payment, or mail the payment immediately? Moot point if the email arrives before I even have a chance to mail it...but I figured I'd ask anyway.
by dougger5
Tue Mar 28, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1208

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

BL wrote:
livesoft wrote:I'll just throw this out there:
In Texas 100% of jointly-held assets get stepped up in basis and not just half of them.

Yes, I forget community property states have different rules.


Ah...excellent point! I should dig into her state's laws.

Edit: Nope, not a community property state.
by dougger5
Tue Mar 28, 2017 6:08 am
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1208

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

Be sure to copy any cost basis information (unrealized gains) that you can find from the old broker. That will protect you somewhat if they lose it in transfer. I don't know any way to separate the stepped up part from the non-stepped up part. I think whatever you sell is just considered half-stepp...
by dougger5
Mon Mar 27, 2017 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1208

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

I was actually talking about the fee to sell each holding. That fee gets reduced as AUM rises but it's still there. It's higher on mutual funds than stocks (roughly $2-20 for stocks, but $20-$35 for funds per transaction [less for over $1M]). https://investor.vanguard.com/investing/trading-fees-com...
by dougger5
Mon Mar 27, 2017 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1208

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

If they've been trading in the account, there might not be so much in capital gains. Maybe it's better to get out of the individual holdings now before you move to Vanguard. If you liquidate at MS, there is no charge correct? If you move-in-kind, there will be a fee at Vanguard per holding. The dow...
by dougger5
Mon Mar 27, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1208

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

Uhh...the plot thickens. I think. I looked at the MS account, and clicked on the handy Cost Basis icon. In every case, every lot listed the acquisition date as 5/5/16. Gift horse situation? Also, no links to execute online trades, that I could find. I take it with these folks, you have to call and t...
by dougger5
Mon Mar 27, 2017 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1208

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

If these are non-covered shares, regardless of where they are held, the responsibility for determining cost basis is with the client. MS has no obligation and will not report cost basis to the IRS if you sold shares through them. Whatever records they have are merely for your convenience but they'r...
by dougger5
Mon Mar 27, 2017 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1208

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

Part of this process will be liquidating stepped-up half of the individual stock and reinvesting into index funds. Given the foregoing information about how Vanguard handles basis of transferred assets, would it be better to do this reallocation in Morgan Stanley before the transfer?
by dougger5
Sun Mar 26, 2017 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1208

Re: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

I would call VG and Morgan to confirm that whatever data Morgan has will transfer. I recently traansferred 20+ year old accounts from T Rowe to Schwab and there is no issue, in fact it is easier to see lots in the Schwab system. I would guess there will be no problem, but that is just a guess. It i...
by dougger5
Sun Mar 26, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares
Replies: 20
Views: 1208

Transfer-In-Kind: Cost Basis Considerations for Non-Covered Shares

The portfolio in question would be currently in Morgan Stanley. Most assets in individual stocks, with cost basis unknown without a fair amount of research. My question: If I were to call up Vanguard to set up a transfer-in-kind to move the whole lot there, would cost basis determination fall to the...
by dougger5
Sun Mar 26, 2017 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Help with Bond AA in Taxable
Replies: 4
Views: 471

Re: Help with Bond AA in Taxable

At 15% tax bracket I'd just do corporate. Due to the rising interest rate environment I only have Vanguard short term investment grade VSFTX. I am in the 25% federal bracket the higher yield of VSFTX over VWSTX, VMLTX justifies eating the tax. I'm not personally opposed to corporate, but the beta i...
by dougger5
Sat Mar 25, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Bond AA in Taxable
Replies: 4
Views: 471

Help with Bond AA in Taxable

I'm helping a parent update their overall AA for a mid-6 figure portfolio, held at Morgan Stanley. The portfolio is currently composed of a dozen or so individual stocks, and the plan is to sell the half that is stepped up as a result of the death of my other parent, on 5/5/2016. The combination of ...
by dougger5
Sat Feb 25, 2017 8:57 am
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 204
Views: 20284

Re: 2017 hedge fund contest

Tanelorn wrote:As of today's close, JEC's price of $56.03 is therefore a loss of 3% on that position rather than a 93% gain. Oops - I'll update the spreadsheet shortly.


Holy emotional roller coaster Batman!

This hedge fund business is not for the faint of heart :shock:
by dougger5
Mon Feb 13, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Wearable Fitness Tracker - Emphasis On Swimming
Replies: 7
Views: 601

Re: Wearable Fitness Tracker - Emphasis On Swimming

head gamez wrote:I don't have any experience with swimming trackers, but I have purchased my watches based on reviews at DCRainmaker.

https://www.dcrainmaker.com/tag/swimming-watches


+1 on this...I figured I'd paused my "immersion" in his reviews to mention it. Thanks!
by dougger5
Mon Feb 13, 2017 6:31 pm
Forum: Personal Consumer Issues
Topic: Wearable Fitness Tracker - Emphasis On Swimming
Replies: 7
Views: 601

Wearable Fitness Tracker - Emphasis On Swimming

Seems about twice a year I go down a research rabbit hole for finding a wearable that tracks my swim workouts. Ideally, I'd like it to track laps, with notifications for last lap (especially for the longer distances), number of reps for a certain distance (was that 4 50's, or 5?), and of course tota...
by dougger5
Sat Feb 11, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Stock price rises to limit order price on open, then falls back - Coincidence?
Replies: 1
Views: 250

Re: Stock price rises to limit order price on open, then falls back - Coincidence?

Ok, I guess I can answer my own question. I really should do more research before posting :oops: Looks like it was indeed coincidence (what else could it have been, really): There was a spike based upon an earnings beat that came out off-hours, and the apex just made my order price a good guess. As ...
by dougger5
Sat Feb 11, 2017 12:36 pm
Forum: Investing - Theory, News & General
Topic: Stock price rises to limit order price on open, then falls back - Coincidence?
Replies: 1
Views: 250

Stock price rises to limit order price on open, then falls back - Coincidence?

About a year ago, I bought 15 shares of Nvidia (NVDA), in my VG rollover IRA. With the price having increased sharply over the course of the past year, and with my general inclination to reduce my individual stock holdings, I figured it may well be time to shift those funds back into indexed space. ...
by dougger5
Tue Jan 10, 2017 8:20 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 204
Views: 20284

Re: 2017 hedge fund contest

LadyGeek wrote:The spreadsheet is open to everyone. Try again using a new private browsing window (Ctrl+Shift+N), or a different browser like Firefox.


Incognito did it, thanks :beer

Ooh...wish I hadn't looked now... :oops:
by dougger5
Tue Jan 10, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 204
Views: 20284

Re: 2017 hedge fund contest

Lately when attempting to access the google sheet, I'm told I need permission. Probably because I'm logged into Chrome with a particular ID.

Shall I PM someone with the email I used to request access? If so, whom?
by dougger5
Tue Jan 03, 2017 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA 5304 vs. 5305
Replies: 27
Views: 1783

Re: SIMPLE IRA 5304 vs. 5305

When I click both of them they both go to a page that says, " We're sorry. The page you requested could not be found. If you used a bookmark or a favorite place to access this page, the link is no longer effective. Please go to the Vanguard homepage and navigate to the desired page." I di...
by dougger5
Tue Jan 03, 2017 9:17 pm
Forum: Investing - Help with Personal Investments
Topic: SIMPLE IRA 5304 vs. 5305
Replies: 27
Views: 1783

Re: SIMPLE IRA 5304 vs. 5305

+1 for the Frozaen SIMPLE IRA process. DW has AF funds for her work's plane, and I helped her set one up using AF's MM fund as described above. The only speed bump was obtaining PDF of the asset transfer authorization (getting it online without contacting VG was a bit of a catch-22 situation). But a...
by dougger5
Tue Jan 03, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: 2017 hedge fund contest
Replies: 204
Views: 20284

Re: 2017 hedge fund contest

Middle Branch Multiflora Rose Capital Thorn Fund
The market goes up, the market goes down, but Rosa Multiflora grows on. Trust The Bramble®

LONG
UTX - United Technologies Corp
JEC - Jacobs Engineering Corp
GD - General Dynamics

SHORT
RHT - Red Hat Software
SCAI - Surgical Care Affiliates
by dougger5
Mon Jan 02, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: My niece got accepted to Georgetown and we may have to pay for it.
Replies: 58
Views: 7290

Re: My niece got accepted to Georgetown and we may have to pay for it.

It is rather late for a 529. But I don't have much room to talk myself...I started a 529 for my niece when she was a sophomore in HS. I figure, if nothing else, it's a way to earmark the funds in a place that will get at least comparable returns. And it's one of the few deductions I can claim on my ...
by dougger5
Fri Dec 30, 2016 11:03 pm
Forum: Investing - Theory, News & General
Topic: 2016 hedge fund contest
Replies: 250
Views: 26455

Re: 2016 hedge fund contest

Hey now, I'm just happy to have cracked the Top 10 :beer
by dougger5
Fri Dec 30, 2016 12:03 am
Forum: Personal Finance (Not Investing)
Topic: W4's: Anyone else required by employer to submit annually?
Replies: 18
Views: 1347

Re: W4's: Anyone else required by employer to submit annually?

Employees are required to submit a new W-4 under certain circumstances and the deadline for submitting it under those circumstances for the next year is December 1st. Many employers send a notice and your employer may be requiring a new W-4 to simplify matters or even because one HR person is misin...

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