Search found 226 matches

by leftcoaster
Fri May 05, 2017 10:38 am
Forum: Personal Finance (Not Investing)
Topic: Explanation for the recent run-up in VEU
Replies: 2
Views: 295

Explanation for the recent run-up in VEU

Is there a fundamental change that explains the sharp run up in VEU after April 19th ($47.21) to today ($49.56) ? I know it is currently tracking with the domestic total stock market, but... is this "just" politically fueled (without getting into politics please!) or is there another force...
by leftcoaster
Thu Apr 27, 2017 8:58 am
Forum: Personal Consumer Issues
Topic: Hourly rate for carpenter?
Replies: 15
Views: 1676

Re: Hourly rate for carpenter?

Costhelper.com is good for this sort of question.
by leftcoaster
Sat Apr 22, 2017 5:07 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 36572

Re: Larry Swedroe says "Goodby."

Larry had many interesting contributions over the years and was undoubtedly helpful to many. To suggest that this was all altruistic (because he only got 1 or 2 paying clients) is a bit of a stretch. The forum served as a great platform for BHS to learn about his books and other writing, which eleva...
by leftcoaster
Wed Apr 12, 2017 7:43 am
Forum: Personal Consumer Issues
Topic: Prewiring house for tv and internet. Worth it?
Replies: 65
Views: 4091

Re: Prewiring house for tv and internet. Worth it?

Pull that blue plastic conduit so you can replace a damaged or obsolete wire.
by leftcoaster
Thu Mar 30, 2017 9:08 am
Forum: Personal Consumer Issues
Topic: Glucosamine for joint pain?
Replies: 8
Views: 678

Glucosamine for joint pain?

Any BHS take glucosamine to alleviate knee pain? Mine flares up when I exercise, even with lower impact activities like the elliptical. Occasional knee buckling too. Need to strengthen the muscles and drop weight, but the pain is an obstacle. Wondering if glucosamine has worked for others. Yes I wil...
by leftcoaster
Mon Mar 27, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Can a cell phone get hacked?
Replies: 20
Views: 2139

Re: Can a cell phone get hacked?

Yes. In fact the entire SS7 protocol is compromised which is why nation state actors monitor targets on it. Older cellular protocols are totally broken. Some can even be attacked remotely. Cell provider security is awful and it's easy enough to do a porting attack. Leave your phone for repair in the...
by leftcoaster
Sat Mar 11, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yubikey-only option?
Replies: 34
Views: 2920

Re: Vanguard Yubikey-only option?

You're exactly correct. It also boggles my mind how some sites require you to have a complex password, but then encourage you to set "security questions" to reset said complex password. Why bother to crack a complex password when I can just look up your wife's maiden name and what street ...
by leftcoaster
Tue Feb 28, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Need turbo tax help: after-tax 401k to Roth IRA
Replies: 35
Views: 2210

Re: Need turbo tax help: after-tax 401k to Roth IRA

Years later, this thread proved useful to me as I had the same issue. the "fix" is to switch to forms mode Quick zoom to enter traditional IRA basis in <current year> In Part III Traditional IRA Basis Detail, line 14 "rollover of nontaxable portion of a qualified retirement plan"...
by leftcoaster
Sat Feb 18, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-R from mega backdoor transaction
Replies: 2
Views: 192

1099-R from mega backdoor transaction

Hi,

Should there be a taxable amount on the 1099-R issued for the distribution of after-tax 401(k) $$ => Roth IRA? It's a small amount -- the interest on a stable value fund -- but I expected it to be $0 once the money was in the after tax 401(k).
by leftcoaster
Sat Feb 11, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: iPhone SE 16GB - is memory adequate?
Replies: 44
Views: 2142

Re: iPhone SE 16GB - is memory adequate?

No, emphatically no, 16GB is not enough.
by leftcoaster
Tue Feb 07, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Wow, Vanguard Flagship service is bad. Really bad.
Replies: 151
Views: 22688

Re: Wow, Vanguard Flagship service is bad. Really bad.

Call again. Ask for a manager. Tell them that you want to change reps and why and emphasize that you want someone who is consistently rated high on customer service and follow up. I did this after a similar experience and am happy I did.
by leftcoaster
Sun Feb 05, 2017 3:12 am
Forum: Personal Finance (Not Investing)
Topic: Roth IRA for teen
Replies: 26
Views: 2607

Roth IRA for teen

My teen has some irregular income from babysitting and I'd like to match her earnings in the form of a Roth IRA contribution. There's no 1099 or W-2 for babysitting that I can use for a tax return for her. I assume I use schedule C. Payments are in cash - how do people in this situation assemble sat...
by leftcoaster
Mon Jan 16, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: Heavy duty cordless drill/hammerdrill recommendation
Replies: 17
Views: 1144

Re: Heavy duty cordless drill/hammerdrill recommendation

keith6014 wrote:strongly recommend Milwaukee.
go for the m12.
heavy duty, go for the brushless
absolute beast


M12 is the lightweight model. OP is a pro and need 18v.
by leftcoaster
Thu Jan 05, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Yet another reason to dislike Vanguard's "upgraded" accounts
Replies: 7
Views: 1220

Re: Yet another reason to dislike Vanguard's "upgraded" accounts

Is the money not invested in your desired asset allocation during the 7 day holding period? Is it sitting in cash earning no interest? I don't see them reversing this change , it's just too advantageous for them from a cost perspective. I agree, they won't reverse it. It is in cash as the goal is t...
by leftcoaster
Thu Jan 05, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Yet another reason to dislike Vanguard's "upgraded" accounts
Replies: 7
Views: 1220

Re: Yet another reason to dislike Vanguard's "upgraded" accounts

Some of this is imposed by brokerage specific regulations. Perhaps vanguard needs to reconsider having everything be a brokerage account. I know ETFs are the new shiny, but they aren't everything.
by leftcoaster
Thu Jan 05, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Yet another reason to dislike Vanguard's "upgraded" accounts
Replies: 7
Views: 1220

Yet another reason to dislike Vanguard's "upgraded" accounts

If you are doing a backdoor roth, the steps are: put money in a traditional IRA convert the balance to a ROTH In the mutual fund accounts, the purchase in the traditional was available for conversion the following day In the "upgraded" brokerage accounts, there is a seven day hold if you p...
by leftcoaster
Mon Jan 02, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: This is a good weekend to start tracking your net worth.
Replies: 69
Views: 5884

Re: This is a good weekend to start tracking your net worth.

I also sit down with my wife every January to review all the other tabs of the spreadsheet with her in detail. She does not have an interest in our day-to-day finances, but this is the opportunity to review with her all the details - what do we have, where is it, budget, what are our money goals th...
by leftcoaster
Mon Dec 12, 2016 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: 529 + gift tax question
Replies: 4
Views: 434

529 + gift tax question

I know that you can put up to 5 years of annual gift amounts into a 529, all in one shot.

How does it work if you want to put 2 years now, 2 years later, and the fifth year after that?
by leftcoaster
Wed Dec 07, 2016 8:56 am
Forum: Investing - Help with Personal Investments
Topic: 529 safety
Replies: 3
Views: 430

529 safety

My teen's 529 just crossed into 25% stocks and 75% bonds with two years to go until college. If this were retirement with a long period to recover from falling bond prices and rising yields, I'd be less concerned. But under current conditions it seems like a large bond holding with a withdrawal rate...
by leftcoaster
Tue Dec 06, 2016 8:36 am
Forum: Personal Consumer Issues
Topic: Flying Across Atlantic with 98th Percentile 18-Month Child
Replies: 114
Views: 7780

Re: Flying Across Atlantic with 98th Percentile 18-Month Child

Remember that you are responsible for your child throughout the flight. If you fall asleep and he is kicking the seat in front of you, you are responsible.

Leave the kid at home until s/he reaches the age of reason if you can.
by leftcoaster
Sat Dec 03, 2016 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage?
Replies: 107
Views: 8146

Re: Pay off mortgage?

Suppose I do buy the muni fund. How would you account for that in the overall portfolio allocation? As a bond fund, but then you should account for the mortgage as a negative bond. If you have a mortgage which requires a payment every month for the next 84 months, and a bond portfolio which makes a...
by leftcoaster
Sat Dec 03, 2016 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage?
Replies: 107
Views: 8146

Re: Pay off mortgage?

@grabiner, so bottom line, you'd recommend just paying it off? I think it is a close decision if you are in a very high CA and federal tax bracket. You said that Vanguard CA Intermediate-Term Tax-Exempt has a 3.8% tax-equivalent yield. Since the current yield on Admiral shares is 1.98%, that implie...
by leftcoaster
Sat Dec 03, 2016 11:57 am
Forum: Personal Finance (Not Investing)
Topic: different 401(k) matches for different employees
Replies: 6
Views: 1026

different 401(k) matches for different employees

Is it legal/possible for an employer to offer a particular employee different matching terms?

Scenario: employee uses spouse's health insurance. Can the employee negotiate an additional 401(k) employer contribution in lieu of the money that would otherwise go to insurance?
by leftcoaster
Sat Dec 03, 2016 12:22 am
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage?
Replies: 107
Views: 8146

Re: Pay off mortgage?

@grabiner, so bottom line, you'd recommend just paying it off?
by leftcoaster
Fri Dec 02, 2016 11:54 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage?
Replies: 107
Views: 8146

Re: Pay off mortgage?

I have about 7 years left on a 15y @ 2.875% and could pay it off tomorrow. Or I can open one of those 3.01% FDIC insured 7 year CDs. These are not comparable Paying off the mortgage is equivalent to buying a portfolio of 84 CDs maturing in 1 to 84 months, since you get the benefit every month. And ...
by leftcoaster
Fri Dec 02, 2016 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Pay off mortgage?
Replies: 107
Views: 8146

Re: Pay off mortgage?

I struggle with this too. I have about 7 years left on a 15y @ 2.875% and could pay it off tomorrow. Or I can open one of those 3.01% FDIC insured 7 year CDs. Or I could invest in the CA intermediate muni fund for a tax equivalent yield of 3.8% with some more risk. I have maxed everything I can thin...
by leftcoaster
Fri Dec 02, 2016 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How long after a transition birthday to see 529 plan shift portfolio?
Replies: 1
Views: 235

How long after a transition birthday to see 529 plan shift portfolio?

Vanguard 529 moves to a more conservative age based portfolio at specific threshold ages. My kid had a birthday last month. When would I expect to see the portfolio shift?
by leftcoaster
Tue Nov 29, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard "upgrade" = downgrade!
Replies: 2
Views: 1266

Vanguard "upgrade" = downgrade!

Went through the upgrade and got a nasty surprise - an exchange that used to have a same day transaction now has to be performed in two steps over two days. When doing an RMD to the same fund in taxable this adds a day of market fluctuation to the puzzle. I spoke to a flagship representative and lea...
by leftcoaster
Sat Oct 22, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Cheapskate for not flying business class?
Replies: 81
Views: 7104

Re: Cheapskate for not flying business class?

rkhusky wrote:Perhaps buy 3 tickets in coach so that you have an empty seat next to you?


How do you actually check in that extra seat?
by leftcoaster
Sun Oct 16, 2016 5:07 pm
Forum: Forum Issues and Administration
Topic: Bogleheads is back!!!
Replies: 83
Views: 8943

Re: Bogleheads is back!!!

How many people panicked and transferred all of their vanguard holdings into gold, a single stock, or an annuity with a giant commission?

:twisted:
by leftcoaster
Sat Oct 08, 2016 11:45 am
Forum: Investing - Help with Personal Investments
Topic: compound yield for Vanguard funds
Replies: 3
Views: 450

Re: compound yield for Vanguard funds

triceratop wrote:Does the SEC yield for money market accounts not already take expenses into account?


According to Investopedia, it does. Case closed!

Thanks much
by leftcoaster
Sat Oct 08, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: compound yield for Vanguard funds
Replies: 3
Views: 450

compound yield for Vanguard funds

The Finance Buff has an article on selecting a MMF at Vanguard in which he shows screenshots from vanguard's fund overview section that include Compound Yield -- the SEC yield adjusted for expenses. That no longer appears on the site. Does anyone know why and/or how to calculate it? link: https://th...
by leftcoaster
Tue Oct 04, 2016 6:08 am
Forum: Personal Consumer Issues
Topic: Vitamix Worth It?
Replies: 63
Views: 7383

Re: Vitamix Worth It?

I have yet to identify a need that my hand blender cannot fulfill. I do not make my own nut butter.
by leftcoaster
Wed Sep 21, 2016 8:43 am
Forum: Investing - Theory, News & General
Topic: The coming municipal bond crisis
Replies: 51
Views: 8357

Re: The coming municipal bond crisis

The greater concern is for those of us who live in places where this has been going on for so long. As with the citrus district, most agencies will not default. This means that money for needed services will not be available. My city's budget is steadily diverting more and more funds toward pensions...
by leftcoaster
Thu Sep 15, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 267
Views: 50027

Re: Do you really need 2.5 million to retire well?

What retirement age are we assuming?
by leftcoaster
Mon Sep 12, 2016 4:55 am
Forum: Personal Finance (Not Investing)
Topic: High deductible [health] insurance behaviors
Replies: 10
Views: 1224

High deductible [health] insurance behaviors

Have BHs who have HSA + High Deductible insurance noticed any behavioral changes in their approach to medical costs? This was one of the stated goals of such plans - expose costs to the consumer - and while in an emergency we are not going to asking many questions, I find that routine matters are a ...
by leftcoaster
Mon Aug 29, 2016 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Apple employee seeking advice on 401k and general investments
Replies: 26
Views: 4247

Re: Apple employee seeking advice on 401k and general investments

Your RSUs [stock] are going to trigger more taxable income. RSUs stack, so in time you will be vesting multiple grants in a year. That will probably push you out of direct roth territory and into backdoor roths. I didn't see you mention participation in the ESPP, which is a guaranteed 15+% return. I...
by leftcoaster
Mon Aug 29, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Eating Healthy/Meals for One
Replies: 65
Views: 5220

Re: Eating Healthy/Meals for One

Others have mentioned freezing portions. I'd like to add that a Food Saver can be a useful tool as well. First, you can cut up fish, chicken, meat and seal it for longer conservation in the fridge or freezer (no freezer burn). Second, you can get a jar lid attachment and vacuum seal mason jars. This...
by leftcoaster
Sat Aug 13, 2016 11:57 pm
Forum: Personal Finance (Not Investing)
Topic: Life insurance & LI under negative interest rates
Replies: 10
Views: 947

Insurers struggle in low interest world

http://www.nytimes.com/2016/08/14/business/why-some-life-insurance-premiums-are-skyrocketing.html?hp&action=click&pgtype=Homepage&clickSource=story-heading&module=first-column-region&region=top-news&WT.nav=top-news Summary - insurance companies wrote policies when today's low...
by leftcoaster
Mon Aug 01, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: mortgage refi question
Replies: 6
Views: 669

Re: mortgage refi question

Unrelated to the question you asked, but you should check how the bi-weekly payments are applied. I used to pay bi-weekly, but stopped. The mortgage company just held the payment until I made the 2nd payment in a month, then applied it as a single monthly payment. The only advantage was that every ...
by leftcoaster
Mon Aug 01, 2016 10:17 am
Forum: Investing - Help with Personal Investments
Topic: mortgage refi question
Replies: 6
Views: 669

mortgage refi question

I have roughly 11y to go on a 15y fixed mortgage @ 2.875. I owe about 215K on it. I was looking at a refi into a 10y @ 2.5, which would cost me 1.14 points and about $4k in closing costs. Monthly cost would be nearly the same. I have been paying down on a biweekly schedule, so I'm a bit ahead on the...
by leftcoaster
Sun Jul 03, 2016 8:08 am
Forum: Personal Consumer Issues
Topic: How best to take little kids sightseeing?
Replies: 37
Views: 2798

Re: How best to take little kids sightseeing?

Buy two notebooks and two packs of colored pencils. Form teams of one parent, one child Head off in different directions in the museum, with a meeting time of 30m to 1 hour pre arranged. Child member of team chooses a painting, object, or detail of a painting. Together, you sketch it on the notebook...
by leftcoaster
Thu Jun 16, 2016 10:28 am
Forum: Investing - Theory, News & General
Topic: John Oliver covers retail investment industry on Last Week Tonight
Replies: 114
Views: 17313

Re: John Oliver covers retail investment industry on Last Week Tonight

It was entertaining and informative but less actionable than one would like. Many people would say, OK I will fire my FA, avoid active management, and not buy annuities. What next? That's the hard part for most people. Bogleheads are outliers among the outliers. The Suze Orman material is fascinatin...
by leftcoaster
Mon Jun 06, 2016 9:59 am
Forum: Investing - Help with Personal Investments
Topic: mortgage prepay vs munis - impact of medicare supplemental taxes
Replies: 10
Views: 863

Re: mortgage prepay vs munis - impact of medicare supplemental taxes

Regarding cap out on CA deductions. Indeed, I have been cut back to the standard deduction. All itemized deductions tossed out.
by leftcoaster
Sun Jun 05, 2016 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: mortgage prepay vs munis - impact of medicare supplemental taxes
Replies: 10
Views: 863

Re: mortgage prepay vs munis - impact of medicare supplemental taxes

grabiner wrote:
However, the cap-out effect may make only 20% of the CA deduction usable; that is the .123*.02 above.


I think you mean 0.2 ?
by leftcoaster
Sun Jun 05, 2016 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: mortgage prepay vs munis - impact of medicare supplemental taxes
Replies: 10
Views: 863

Re: mortgage prepay vs munis - impact of medicare supplemental taxes

Also, especially if OP is in 12.3% CA bracket, the CA limitation might actually be capped out, in which case its impact at the margin would fall on the effective return of mortgage prepayment instead of the after-tax return of alternative taxable investments. Modifying the example, 2.875*(1-.396)(1...
by leftcoaster
Sun Jun 05, 2016 10:32 pm
Forum: Investing - Help with Personal Investments
Topic: mortgage prepay vs munis - impact of medicare supplemental taxes
Replies: 10
Views: 863

Re: mortgage prepay vs munis - impact of medicare supplemental taxes

Above that, the cap limits the tax effect of a marginal change in mortgage interest paid and therefore the after-tax return on prepayment, as illustrated in the last line of my earlier post. If the OP is really in the 12.3% CA bracket, then they may be capped out, so this effect may be pertinent. F...
by leftcoaster
Sun Jun 05, 2016 10:42 am
Forum: Investing - Help with Personal Investments
Topic: mortgage prepay vs munis - impact of medicare supplemental taxes
Replies: 10
Views: 863

mortgage prepay vs munis - impact of medicare supplemental taxes

I have about 12 years left on a mortgage @ 2.875% and am comparing prepayments vs. vanguard's CA intermediate tax-exempt fund. No need for a bunch of posts about the psychological effects of paying off the house. I believe I need to calculate the tax equivalent yield of the SEC yield of the fund (1....
by leftcoaster
Sun Jun 05, 2016 9:50 am
Forum: Personal Consumer Issues
Topic: Best Saw Blade to Purchase for this DIY
Replies: 32
Views: 2179

Re: Best Saw Blade to Purchase for this DIY

Portable bandsaw with a fine tooth blade is the way to go.

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