Search found 117 matches

by mega317
Tue May 23, 2017 1:59 pm
Forum: Personal Consumer Issues
Topic: best for web surfing: trackpoint or touchpad?
Replies: 6
Views: 291

Re: best for web surfing: trackpoint or touchpad?

I don't have any problem scrolling with a touchpad. Doesn't your 410s also have a touchpad that you can play with before you replace it? My current laptop happens to have a touchscreen which I didn't care about when I bought it, but I end up using to scroll and that works pretty well. There are also...
by mega317
Tue May 23, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: Lazy way to increase returns on cash in Vanguard
Replies: 22
Views: 1995

Re: Lazy way to increase returns on cash in Vanguard

Depending on where you live and your tax bracket, a state muni money market could slightly increase your returns while being still at Vanguard and extremely lazy.
by mega317
Fri May 19, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: CD options
Replies: 13
Views: 772

Re: CD options

Leif wrote:If your equity index efts are down say 50% will you still sell to raise cash? That would presumably take your further from your desired asset allocation.



Not to speak for someone else but I assume he would sell bonds and buy stocks in his 401k to get to desired asset allocation. I do this too.
by mega317
Fri May 19, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Life's big ticket items to save for
Replies: 37
Views: 2776

Re: Life's big ticket items to save for

It might be easier than not working and being home with the crying baby all day.
by mega317
Fri May 19, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Cars policy/timing for teens/young adults
Replies: 22
Views: 1252

Re: Cars policy/timing for teens/young adults

Now, what would I do differently if I had to do it over again? I would lease a brand-new car for each of them. Interesting idea. How does the math work out? I just quickly looked at a Civic. Leases right now are 179/mo which would total $25k if two 3 year leases for each child, plus 4 down payments...
by mega317
Thu May 18, 2017 12:38 am
Forum: Personal Consumer Issues
Topic: should I tip repairman for TV?
Replies: 27
Views: 1544

Re: should I tip repairman for TV?

Here's an example. This is not exactly tv repair but the guy who comes to install the satellite dish gets a fixed payment per job no matter how long it takes. They are independent contractors so no benefits. Is it that big a deal to give the guy some grocery money to feed his family that night? I ag...
by mega317
Wed May 17, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Shifting Taxable Investments to Roth 401K
Replies: 17
Views: 815

Re: Shifting Taxable Investments to Roth 401K

If you leave it in taxable, EVERY year that you are in the 15% marginal tax rate or lower, you should do Tax GAIN Harvesting on your taxable account up until you get to the top of the 15% bracket! this will allow you to increase basis but not pay any tax! ... You can fill up your $10400 (free money...
by mega317
Wed May 17, 2017 5:26 pm
Forum: Personal Consumer Issues
Topic: Building a deck
Replies: 16
Views: 1666

Re: Building a deck

Thanks all for your replies and advice. I'll look into those options. We do plan to stay in this house a long time.
by mega317
Wed May 17, 2017 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for friend with great commission but no company benefits
Replies: 20
Views: 1181

Re: Advice for friend with great commission but no company benefits

I'm sorry my last post was somewhat flippant. But no one can be on call 24/7 for a whole career. Also that job doesn't seem like it would be rewarding long term but I don't mean to project my opinion on her.
by mega317
Wed May 17, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Building a deck
Replies: 16
Views: 1666

Building a deck

We are having our deck replaced and hearing lots of differing advice on how to make it last. What should we do and how do we make sure the contractor is doing a good job?
We're in Southern California.
by mega317
Tue May 16, 2017 10:44 am
Forum: Investing - Help with Personal Investments
Topic: Advice for friend with great commission but no company benefits
Replies: 20
Views: 1181

Re: Advice for friend with great commission but no company benefits

That job is not sustainable for a number of reasons. Any plans need to assume that income level will not continue for long.
by mega317
Mon May 15, 2017 1:13 am
Forum: Personal Consumer Issues
Topic: Tipping for restaurants where you order at the counter
Replies: 49
Views: 4408

Re: Tipping for restaurants where you order at the counter

I usually just tip even though it's probably not justified. The few dollars mean more to them than me.
by mega317
Wed May 10, 2017 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Bank account with advanced features
Replies: 9
Views: 1064

Re: Bank account with advanced features

It might be easier to direct your paycheck into both accounts. Have an amount roughly equal to your debits going into account 1 and the rest into account 2. Then you can check periodically to make sure you're at ~$10,000 in account 1.
by mega317
Wed May 10, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Near Term College Funding: MMA or 529 Bond Fund?
Replies: 3
Views: 211

Re: Near Term College Funding: MMA or 529 Bond Fund?

I'd even start spending from the 529 first. willthrill is right that the extra $350 probably isn't worth the risk of not having something to spend it on. And if you're still working and otherwise in good financial shape I'd plan to cash flow the final year(s) and move at least some of the Capital On...
by mega317
Tue May 09, 2017 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: 529 vs. taxable investment account for college
Replies: 33
Views: 2971

Re: 529 vs. taxable investment account for college

Gamma Ray wrote:
$2k/yr for 12 years at conservative 5% would give you $8k tax free return.


Yes but if you gain harvest along the way then you don't pay taxes on the $8k in taxable either.
by mega317
Tue May 09, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: 529 vs. taxable investment account for college
Replies: 33
Views: 2971

Re: 529 vs. taxable investment account for college

OP, if I read correctly you have total savings of 350 in IRAs + 70 401k = 420 plus 3 months expenses? And you make 329 (and that's after deducting 401k contribution). What are your expenses and projected retirement expenses? I think most people who have barely 1 year's salary saved at 44 are behind ...
by mega317
Mon May 08, 2017 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: Used Car Leasing (Conceptually and in Reality)
Replies: 13
Views: 1082

Re: Used Car Leasing (Conceptually and in Reality)

Leasing a used car does conceptually sound like it makes sense, but it likely won't work well in practice for you. Car manufacturers and their captive finance companies generally drive incentivized lease volume that a one year old model would not have available. Good lease deals on new vehicles are...
by mega317
Sun May 07, 2017 9:36 am
Forum: Personal Consumer Issues
Topic: Long distance move, issues/costs
Replies: 11
Views: 962

Re: Long distance move, issues/costs

Don't use a mover who doesn't give you a "not to exceed" estimate, and get a few quotes. My last two moves the spread between high and low was more than 20%. PODS are also a great idea for a move of this size (ie easy to pack) but may not be that much cheaper. You can always rent your own ...
by mega317
Sat May 06, 2017 9:47 am
Forum: Investing - Help with Personal Investments
Topic: What to do with 300,000?
Replies: 29
Views: 2808

Re: What to do with 300,000?

That was a very thoughtful post and it's great to have so many opinions here. I just want to make one point which is that rebalancing is definitely not market timing. Rebalancing only reduces risk if your stock fraction has increased because stocks are riskier than bonds. You're not saying stocks ar...
by mega317
Sat May 06, 2017 1:42 am
Forum: Investing - Theory, News & General
Topic: Are we all forgetting our taxable accounts?
Replies: 79
Views: 9633

Re: Are we all forgetting our taxable accounts?

Hmm, I haven't forgotten my taxable account. In fact, 66% of my retirement savings goes to a taxable account. I max out my 401k. I'm ineligible for an IRA and then 20% of my AGI goes into a taxable account. I wish there was a way to avoid paying taxes on that savings, but I don't know what else to ...
by mega317
Fri May 05, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with 300,000?
Replies: 29
Views: 2808

Re: What to do with 300,000?

The market could crash tomorrow. Why not sell everything you own and reinvest 10% at a time in insure against losing that money in a sudden crash?
by mega317
Fri May 05, 2017 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 13592

Re: Most Common Financial Mistakes

Whatever the behavioral term is for when you obsess over saving a nickel on a gallon of gas (or couponing at the grocery store), but won't fight over whether you spend $29k or $30k on a car. That $1k difference is a lot of nickels. Yes so many people don't get this one. I asked the bank if there wa...
by mega317
Wed May 03, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Convince me that I'm holding too much cash
Replies: 62
Views: 7713

Re: Convince me that I'm holding too much cash

Where does job loss fit into that framework?
by mega317
Tue May 02, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: Giving a Talk on Personal Finance & Investing - Advice?
Replies: 41
Views: 2532

Re: Giving a Talk on Personal Finance & Investing - Advice?

I think it is great that you're doing this, and it will be more valuable than counting cards to most audiences. My question is how long is this talk? Your list is ambitious and you don't want to end up rushing or giving superficial treatment to any topics. A smart audience will be disappointed by th...
by mega317
Tue May 02, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Where to put cash for house
Replies: 7
Views: 688

Re: Where to put cash for house

If you definitely plan to move, why not do it now and take on a small mortgage? You haven't given us a lot of numbers but it's likely the money you'll save in all of your other costs will allow you pay it off quickly. Even if you take out a conventional mortgage on a $150k house and pay extra every ...
by mega317
Tue May 02, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Most Common Financial Mistakes
Replies: 108
Views: 13592

Re: Most Common Financial Mistakes

Living the "American" (consumer-driven) lifestyle Expense Ratios Divorce (or marrying a spender) Sending Children to Private Schools Oh yeah, I forgot a big one: Having children :P Common but not necessarily the worst. They are expensive but aside from the joy etc. etc. they will be in th...
by mega317
Mon May 01, 2017 4:14 pm
Forum: Personal Consumer Issues
Topic: Buying couches the Boglehead way
Replies: 36
Views: 4204

Re: Buying couches the Boglehead way

Don't get white. Although our problem hasn't been the toddler or dog as much as my wife's wine.
by mega317
Mon May 01, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: 403 and 457
Replies: 4
Views: 577

Re: 403 and 457

Benefits would be if you prefer Vanguard's funds to what you have available in the current plans, or if you have other money with Vanguard and want to consolidate with one firm. Drawback: if you roll 403/457 into tIRA it would affect Roth conversions, if that's in your plan.
by mega317
Sat Apr 29, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Am I in Trouble [Assets in cash, help requested]
Replies: 17
Views: 2525

Re: Am I in Trouble

Did I read this wrong? What kind of trouble do you mean? 1.6 million liquid, 5k expenses minus 3k from SS and rental. That 1.6 will last you 60 years. I'm ignoring inflation and I assume you have some medical expenses not mentioned but still, your worry should be about your heirs.
by mega317
Sat Apr 29, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Beaches in California.
Replies: 10
Views: 1300

Re: Beaches in California.

San Diego is 6 hours from Tucson, and quieter and cheaper than LA area. I like solana beach- there are cliffs so you have to take ~100 stairs down to the sand which keeps some people away. Del mar to the south and Encinitas to the north are more crowded (also more things to do within walking distanc...
by mega317
Mon Aug 15, 2016 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account or non-deductible tIRA? [Portfolio help]
Replies: 16
Views: 847

Re: Taxable account or non-deductible tIRA? [Portfolio help]

it seems silly to open a new IRA account each year for each one of us, just to zero it out shortly afterwards.. we would essentially be opening lots and lots of accounts over our lifetime. AM I wrong in this thinking?? You don't need a new account each year. My wife and I each have one traditional ...
by mega317
Sat Aug 13, 2016 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: What happens if I don't activate my card?
Replies: 6
Views: 986

Re: What happens if I don't activate my card?

What you do about activation doesn't affect the account or your score. If you want the account closed you have to actively close it (or wait for them to close it for inactivity if they ever do). The purpose of activating is just to verify someone else didn't get your mail.
by mega317
Mon Aug 08, 2016 6:13 pm
Forum: Investing - Help with Personal Investments
Topic: Anything wrong with having say 50% of my bond allocation in muni bonds?
Replies: 41
Views: 4216

Re: Anything wrong with having say 50% of my bond allocation in muni bonds?

I thought shooting for the moon is specifically for a Roth since there are no RMDs, and if using that strategy then bonds go in tax-deferred. (And this is a separate conversation from the case for bonds in taxable.) Am I wrong?
by mega317
Fri Aug 05, 2016 8:46 pm
Forum: Investing - Help with Personal Investments
Topic: How to keep target allocation with cash paying so little
Replies: 12
Views: 1239

Re: How to keep target allocation with cash paying so little

Not all of the cash you get from selling is capital gains, some of it will be return of principle and not taxed. At 15% of only the gains you might not be looking at that large of a bill, and if your tax-advantaged accounts are already all cash and it's still not enough to meet your target allocatio...
by mega317
Fri Aug 05, 2016 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: No faith in stocks/bonds - Where to park cash?
Replies: 38
Views: 4331

Re: No faith in stocks/bonds - Where to park cash?

You're saving 4x your expenses and already have ~30x expenses... it hardly matters what you do.
You just need to keep up with inflation (actually you don't really even need to do that). TIPs was a great suggestion.
by mega317
Fri Aug 05, 2016 8:15 pm
Forum: Personal Consumer Issues
Topic: Baby camera without buying a specific baby camera
Replies: 11
Views: 1107

Re: Baby camera without buying a specific baby camera

A vote for Cloud Baby Monitor. https://cloudbabymonitor.com/ 3 bucks. We happened to have an old phone that we weren't using. We put it on a bookshelf, leave it plugged in and leave the app running 24/7 (don't ever have to remember to turn it on). Even if you don't have one, you can get a used iphon...
by mega317
Fri Aug 05, 2016 1:05 pm
Forum: Personal Consumer Issues
Topic: Advice on purchasing a new Honda CRV
Replies: 26
Views: 2932

Re: Advice on purchasing a new Honda CRV

coachz wrote:And there's this one. http://charleston.craigslist.org/cto/5714530306.html


Salvage title--run away. There are several reasons a title may be branded but if the post says minor accident it was probably totaled.
by mega317
Mon Aug 01, 2016 9:10 am
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 4201

Re: Stock Screeners

I mainly invest in individual stocks, with an emphasis on smaller value stocks. Bawr has a small cap value tilt with a DIY approach. Other than the approach, how is this significantly different from the many tilting to small cap value on this board? Yeah I mean the approach IS the significant diffe...
by mega317
Sun Jul 31, 2016 10:33 pm
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 4201

Re: Stock Screeners

Fair enough I can understand that. It would be interesting for you to update this thread periodically with your trades.

Also not to be snarky but if all it takes to beat the s&p is any reasonably intelligent person, why do almost all professional fund managers fail to do it?
by mega317
Sun Jul 31, 2016 11:16 am
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 4201

Re: Stock Screeners

So if individually picking small value stocks beats the S&P by a ridiculous margin, but your results aren't statistically significant (I assume you mean a statistically significant difference from the index), then why are you spending "substantial time and effort"?
by mega317
Sun Jul 31, 2016 5:46 am
Forum: Investing - Theory, News & General
Topic: Stock Screeners
Replies: 68
Views: 4201

Re: Stock Screeners

[quote="bawr"] I mainly invest in individual stocks, with an emphasis on smaller value stocks. Over the past 13 years, this approach has beaten a passive investment in the S&P 500 by a ridiculous margin.[/quote] I think LAlearning meant do you have proof that you did it. Evidence that ...
by mega317
Tue Jul 26, 2016 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: 403b Questions - Vanguard Short-Term Federal Fund Admiral Shares (VSGDX)
Replies: 11
Views: 662

Re: 403b Questions - Vanguard Short-Term Federal Fund Admiral Shares (VSGDX)

I have to say, no offense but you are having trouble with the math required to determine allocation across two accounts. Your current position may be "good enough" until you can spend more time reading and learning. I'm getting worried that I've given you a fish but you won't be able to fi...
by mega317
Tue Jul 26, 2016 10:31 am
Forum: Investing - Help with Personal Investments
Topic: 403b Questions - Vanguard Short-Term Federal Fund Admiral Shares (VSGDX)
Replies: 11
Views: 662

Re: 403b Questions - Vanguard Short-Term Federal Fund Admiral Shares (VSGDX)

403b: 65% of 41k = $26,650. 90% is stock so $23,985. Roth: 35% of 41k = $14,350. 79% is stock so $11,336. Total stock = $23,985 + $11,336 = $35,321 which is 86% of 41k. This can be done with shortcuts (.65*90+.35*79) but it's important to understand how that works. Getting back to your initial quest...
by mega317
Tue Jul 26, 2016 1:03 am
Forum: Personal Consumer Issues
Topic: Affordable Bachelor party transportation?
Replies: 26
Views: 2161

Re: Affordable Bachelor party transportation?

A true boglehead would say personal cars and designated drivers! Your friends that complained about the price just volunteered. Even 2 DDs and renting two of those shuttle vans would save a lot. I would think if you're planning a ton of stops that $75 per person for the whole day and night would cos...
by mega317
Tue Jul 26, 2016 12:29 am
Forum: Investing - Help with Personal Investments
Topic: 403b Questions - Vanguard Short-Term Federal Fund Admiral Shares (VSGDX)
Replies: 11
Views: 662

Re: 403b Questions - Vanguard Short-Term Federal Fund Admiral Shares (VSGDX)

If you're 90/10 in the 403b and 79/21 in the Roth then you aren't 90/10 overall.

You could increase your total bond position in the roth and go all SWPPX in the 403b.
by mega317
Tue Jul 26, 2016 12:13 am
Forum: Investing - Help with Personal Investments
Topic: Alternatives for Generating Passive Income vs. Other Options
Replies: 17
Views: 2369

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?
by mega317
Mon Jul 25, 2016 10:31 pm
Forum: Investing - Theory, News & General
Topic: Remind me once again why I can't time the market?
Replies: 75
Views: 8400

Re: Remind me once again why I can't time the market?

2. To adjust allocation tax efficiently you just need to avoid realizing lots of capital gains in taxable accounts and try to keep bonds in tax-advantaged. I'm not sure what you mean by market efficient but it sounds like you're tempted to time the market. Just choose your target allocation and dri...
by mega317
Mon Jul 25, 2016 1:17 pm
Forum: Investing - Theory, News & General
Topic: Remind me once again why I can't time the market?
Replies: 75
Views: 8400

Re: Remind me once again why I can't time the market?

1. I buy with every paycheck and it's automated. I don't bother to get back to the exact ratio every month. Most around here feel once a year is sufficient and some also like to tinker after big market moves. 2. To adjust allocation tax efficiently you just need to avoid realizing lots of capital ga...

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