Search found 1677 matches

by mega317
Mon Feb 19, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: First offer on a house...gut check
Replies: 10
Views: 607

Re: First offer on a house...gut check

If income 1 goes away you might be in trouble.
by mega317
Mon Feb 19, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Why not tax-exempt bonds?
Replies: 19
Views: 1771

Re: Why not tax-exempt bonds?

I didn't check your numbers but I'm not disagreeing with them. But this doesn't make intuitive sense. Intermediate tax exempt is not significantly riskier than total bond, so there is no reason it should return more before taxes. What happens when you do the analysis with SEC yield?
by mega317
Mon Feb 19, 2018 7:19 am
Forum: Investing - Help with Personal Investments
Topic: IRA mess
Replies: 3
Views: 324

Re: IRA mess

What are the chances you will end up not having the option to roll several years of nondeductible contributions to a 401k in the future?
by mega317
Mon Feb 19, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Using Turbotax in year of home purchase
Replies: 6
Views: 417

Re: Using Turbotax in year of home purchase

Be aware that if you paid any point on your mortgage, they are deductible for tax yr. 2017 but this is a recent change that Turbotax won't be able to handle until the IRS finalizes it and then Turbotax is updated. Interesting, I didn't have this problem. I had an option to fill in box 6 and the fin...
by mega317
Mon Feb 19, 2018 1:31 am
Forum: Investing - Help with Personal Investments
Topic: Fido FTIPX vs FSIVX and Diversification Concern
Replies: 2
Views: 202

Re: Fido FTIPX vs FSIVX and Diversification Concern

TheDDC wrote:
Mon Feb 19, 2018 12:46 am
Should I just increase my VTIAX holdings in those funds or is the lack of diversification not worth worrying about?
Both
by mega317
Mon Feb 19, 2018 1:29 am
Forum: Personal Consumer Issues
Topic: Cooling an Upstairs Bedroom
Replies: 7
Views: 576

Re: Cooling an Upstairs Bedroom

Is the attic properly ventilated? Getting that fixed made a huge difference for us.
by mega317
Mon Feb 19, 2018 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Using Turbotax in year of home purchase
Replies: 6
Views: 417

Re: Using Turbotax in year of home purchase

If you itemize it's just going to add a couple of numbers to your schedule A. If not, you probably aren't itemizing this year.

There is even a chance your 2018 taxes will be easier than 2017.
by mega317
Mon Feb 19, 2018 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing while in accumulation phase
Replies: 11
Views: 521

Re: Mechanics of rebalancing while in accumulation phase

To be honest the first paragraph of your post sounds like what a lot of the smart and experienced people do around here. Close is probably good enough. I use a very simple spreadsheet. Each row is an account (his Roth, her Roth, 403b current, 403b old, etc.). There are 3 columns: US, international, ...
by mega317
Sun Feb 18, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: Best place to buy contact lenses online
Replies: 4
Views: 323

Re: Best place to buy contact lenses online

I get mine from a different site every time since you get new customer discounts. Also look through your credit card's shopping portal, there are often cash back offers. I'm looking on google now, EZContacts.com has my lenses the cheapest, 95% positive seller rating on 77k reviews. I have no idea ab...
by mega317
Sun Feb 18, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: What home related expenses do I need to think of?
Replies: 4
Views: 272

Re: What home related expenses do I need to think of?

Furniture. That might not be a "regular" expense but prorated it will be more expensive than your utilities for a long time.

This must be a really nice place. $800/month is more than many (most?) people's mortgages.
by mega317
Sun Feb 18, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Recent market downturn and TLH
Replies: 8
Views: 301

Re: Recent market downturn and TLH

bling wrote:
Sun Feb 18, 2018 9:53 pm
anyone who bought in january had an opportunity to TLH.
Or munis in the last quarter of 2017.
by mega317
Sun Feb 18, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: First time Home Buyer in HCOL area - funds check
Replies: 15
Views: 1562

Re: First time Home Buyer in HCOL area - funds check

Emergency fund - I am thinking of reducing / stopping 401k and roth contributions to increase emergency fund. Don't do this. You can withdraw Roth contributions without penalty. In, say, an emergency. Sorry I'm just having a hard time believing your expenses are $1500. Partly based on my experience...
by mega317
Sun Feb 18, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Bosch Dishwasher Recall
Replies: 4
Views: 1126

Re: Bosch Dishwasher Recall

Bosch gave me three names as well. The first one I called ordered the part, called me back when it came in. The workers came within the designated window and replaced it in 10 minutes. Didn't even wake the baby sleeping near the kitchen.
by mega317
Sun Feb 18, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH
Replies: 22
Views: 971

Re: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH

My confusion about this has always been that #1 seems to include any type of trade and makes #2 and #4 redundant.

But by the same token why specify taxable and IRA without including other accounts unless they are actually not included?

I am not worried about future guidance applying retroactively.
by mega317
Sun Feb 18, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: 6 and 12 MO CD's or Treasury Bills
Replies: 10
Views: 814

Re: 6 and 12 MO CD's or Treasury Bills

I guess it should be asked what are you hoping to learn from this thread that you couldn't get in 2 minutes on Vanguards website?
by mega317
Sun Feb 18, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: 6 and 12 MO CD's or Treasury Bills
Replies: 10
Views: 814

Re: 6 and 12 MO CD's or Treasury Bills

Right now treasuries win out for a year or under because they are yielding more. If state tax is a consideration it's even better.
by mega317
Sun Feb 18, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bond market
Replies: 8
Views: 550

Re: Muni Bond market

I think the first question to ask about buying individual bonds, especially for someone who doesn't fully understand them like you, and also me, is what are you trying to do that can't be accomplished with a mutual fund?
by mega317
Sun Feb 18, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 36
Views: 3016

Re: I reduced my exposure to US stocks before the correction.

Your post reads like an explanation of your portfolio which, while is not the same as mine, seems fine. But why set it up like you did unless you feel some connection, retrospective though it may be, to present market conditions?
by mega317
Sun Feb 18, 2018 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 87
Views: 4370

Re: Sell me on the benefits of an emergency fund

I don't think you're necessary missing anything, lots of people don't have a cash emergency fund. Just make sure you can withstand a common bad scenario which is you lose your job at the same time the market crashes. Will you still have enough to cover living expenses for a while?
by mega317
Sun Feb 18, 2018 1:39 am
Forum: Investing - Help with Personal Investments
Topic: Recommendations for Fidelity Bond Funds in Taxable Account
Replies: 21
Views: 1315

Re: Recommendations for Fidelity Bond Funds in Taxable Account

I prefer the stability that bond funds provide to my taxable account and I see paying taxes as the cost of having peace of mind. Is this wrong thinking? Having my taxable account completely in equities is disconcerting to me. I wouldn't say it's wrong, it's not financially optimal as you conceed. T...
by mega317
Sat Feb 17, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: New to IRA
Replies: 5
Views: 304

Re: New to IRA

"Aside from getting a book" like you've already done that or you don't want to? I didn't read your old posts but it sounds like you've been around a while. What have you learned so far?
by mega317
Sat Feb 17, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to pay off loan
Replies: 7
Views: 473

Re: Using Emergency Fund to pay off loan

A year of salary is (hopefully!) more than a year of expenses which is a rather conservative emergency fund, not knowing your circumstances.

How much emergency fund would be left, as an multiple of monthly expenses? And would you be comfortable with that?
by mega317
Sat Feb 17, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Investment strategy... have an extra 1000 a month to spend
Replies: 11
Views: 853

Re: Investment strategy... have an extra 1000 a month to spend

Are you saying you chose CSCO based solely on sector and share price? Why not post a portfolio review and get advice on where to "spend" that 1000/mo. within the context of your overall financial strategy/picture? Asking Portfolio Questions https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 +...
by mega317
Sat Feb 17, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Older iPhone slowdowns - tips or considering switching?
Replies: 18
Views: 1103

Re: Older iPhone slowdowns - tips or considering switching?

Hmm, my iPhone 6 is having no such problems which makes me wonder if there is an issue specific to you. The SE is smaller so that's an option. If I was so tied in to Apple I would just accept whatever size phone they made me get. I'm not tied to them at all but I can't imagine going to Android just ...
by mega317
Sat Feb 17, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Laddering CDs: 6 mos v. 1 year?
Replies: 11
Views: 897

Re: Laddering CDs: 6 mos v. 1 year?

This has been asked several times recently. It's market timing like any other just with very low consequences especially if deciding between such short terms. Usually people are asking about going from intermediate term bond funds to cash or very short stuff.
by mega317
Sat Feb 17, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Investment strategy... have an extra 1000 a month to spend
Replies: 11
Views: 853

Re: Investment strategy... have an extra 1000 a month to spend

The common advice here is going to be invest in tax efficient index funds according to your desired asset allocation. I don't understand the gambling mentality. You'd probably be better off taking the first few months of extra cash flow to a casino than stock picks over a long period. What's funny i...
by mega317
Sat Feb 17, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: HR Block vs Turbo Tax to compare to accountant?
Replies: 7
Views: 403

Re: HR Block vs Turbo Tax to compare to accountant?

The free online tools are just estimates so you will be in the ballpark but not exact. For example they won't take in to account my dependent care FSA, or my excess SS payment due to multiple employers. Of course you can, at least with TurboTax, enter the info in the full online version and compare ...
by mega317
Sat Feb 17, 2018 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Tax sheltered saving or value mining?
Replies: 3
Views: 271

Re: Tax sheltered saving or value mining?

Choose a more expensive health plan and have higher premiums withheld.
by mega317
Sat Feb 17, 2018 7:20 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 77
Views: 3875

Re: Best plants to grow to save money for food costs

Cilantro and parsley. I only ever use a fraction of what you buy and it doesn't last that long. And so much better.
by mega317
Fri Feb 16, 2018 10:38 pm
Forum: Investing - Theory, News & General
Topic: Chillin' in the BH Lounge
Replies: 22
Views: 2617

Re: Chillin' in the BH Lounge

I can keep my "principle" until life ends, I'll just live off the dividends. Does anyone have a strategy to negotiate for a car? Hey buddy, try using the search bar. If you think multi-page threads are nice, Try asking for relationship advice. I saw my medical bill and I was shocked. That thread, li...
by mega317
Fri Feb 16, 2018 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Dependent care FSA - Does not align with IRS Calendar
Replies: 2
Views: 193

Re: Dependent care FSA - Does not align with IRS Calendar

My own FSA has no carry over, and you have to incur the expenses in the year contributed. If someone at my employer were in your shoes they'd be SOL. I'm interested to see other responses.
by mega317
Fri Feb 16, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Need Help Managing Some CD Cash
Replies: 6
Views: 417

Re: Need Help Managing Some CD Cash

What is the purpose of your CD ladder?
by mega317
Fri Feb 16, 2018 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)
Replies: 7
Views: 755

Re: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)

Your "I get it" sentence shows that you do, in fact, get it. The other major point I'd add is buy and hold. This forum is a great way to answer your questions, including ones you didn't know you had. There is also a wiki: https://www.bogleheads.org/wiki/Main_Page. There are also other recommended bo...
by mega317
Wed Feb 14, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: Can someone help me explain to my wife...?
Replies: 69
Views: 6936

Re: Can someone help me explain to my wife...?

You could try showing her a graph of stock returns over a long period of time like 100 years. If you zoom out enough you can't even see most dips.
by mega317
Wed Feb 14, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Reasonably Safe Funds
Replies: 27
Views: 1810

Re: Suggestions for Reasonably Safe Funds

You can buy a highly rated bond at about 3% and see no price fluctuation if held to maturity and if you go shorter duration, your purchasing power won’t be eaten up as quickly. Some bonds in that range include a 10 year treasury, a 5 year corporate at Aa/AA or a 3 year corporate at an A rating. I d...
by mega317
Wed Feb 14, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: Suggestions for Reasonably Safe Funds
Replies: 27
Views: 1810

Re: Suggestions for Reasonably Safe Funds

Well the prime money market funds yields close to 1.5%.
by mega317
Wed Feb 14, 2018 7:02 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 103
Views: 8274

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

delamer wrote:
Wed Feb 14, 2018 6:14 pm
You can unsubscribe to threads via your User Control Panel. Comes in handy.
That does not work for the "your posts" page unfortunately.
by mega317
Wed Feb 14, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Short Term Tax Free Bond ETF
Replies: 9
Views: 744

Re: Short Term Tax Free Bond ETF

It used to be that munis only made sense for those in higher tax brackets but it might make sense these days even in a 15% bracket? What makes you say this? I'm on my phone and one-handed so I can't look up a lot of numbers right now. Why don't you choose a few funds to compare and let us know what...
by mega317
Wed Feb 14, 2018 11:54 am
Forum: Personal Finance (Not Investing)
Topic: No 1099-MISC yet
Replies: 9
Views: 639

Re: No 1099-MISC yet

You could do either though if the latter you'd have to amend later. Or you could file an extension.
by mega317
Wed Feb 14, 2018 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Is my 401k a reason to stay with my current job?
Replies: 5
Views: 499

Re: Is my 401k a reason to stay with my current job?

Put a dollar value on the benefits to simplify the equation. It sounds like you'd be losing 5k of match and another few thousand of tax deferral, somewhat offset by a company stock plan. Unless there are other major factors like you are living on the edge right now, or unsustainable commute, I would...
by mega317
Wed Feb 14, 2018 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Continue to invest in Fid total bond (FTBFX) or 3 month CDs
Replies: 6
Views: 682

Re: Continue to invest in Fid total bond (FTBFX) or 3 month CDs

You are deviating from your prior plan due to current conditions and plan to see where we are in a couple of months. This plan isn't going to bankrupt you but call it what it is. Approached slightly differently, if short term CDs are a better buy then your bond fund, why aren't you selling the whole...
by mega317
Wed Feb 14, 2018 7:52 am
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 103
Views: 8274

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

^ Yes. I've grown tired of posters who do nothing but defend their position. "I don't understand. Why would I consider your advice for 5 minutes when this thing I have already said is true, even if it isn't?" I'm reminded of the recent thread about a portfolio with literally 90+ holdings and the OP ...
by mega317
Wed Feb 14, 2018 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing thru contributions?
Replies: 12
Views: 641

Re: Rebalancing thru contributions?

I do A. The investments are automated, I have better things to do than change my elections all the time, like post here at 4am.

When I am contributing period lumps to taxable I will, if it's a large amount, do B. But these days I am never buying even 1% of the portfolio at a time.
by mega317
Wed Feb 14, 2018 7:40 am
Forum: Investing - Help with Personal Investments
Topic: Continue to invest in Fid total bond (FTBFX) or 3 month CDs
Replies: 6
Views: 682

Re: Continue to invest in Fid total bond (FTBFX) or 3 month CDs

I notice you didn't post "stocks dropped 10% should I sell?" How is this different?

Also 3 month treasuries will probably come out ahead of CDs if you pay any state income tax.
by mega317
Wed Feb 14, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: Am I Wasting My Tax Deferred Space
Replies: 8
Views: 1312

Re: Am I Wasting My Tax Deferred Space

Here's another way to think about it. On capital gains and qualified dividends you pay 20 + 12.3 (CA?) + 3.8 = 36.1%. This is way more than most and makes stocks slightly less great in taxable when you have the muni option. I wouldn't make munis my only bond holding but Vanguards funds, at least the...
by mega317
Wed Feb 14, 2018 7:11 am
Forum: Investing - Help with Personal Investments
Topic: Bonds in IRA
Replies: 2
Views: 369

Re: Bonds in IRA

Well one way to think about the question is with what you've proposed, you want bonds that match the horizon. So very short term bonds for this year's withdrawal, slightly longer duration for next year's, etc for the rest of your life. If you do that you'd also have to adjust the ladder every year (...
by mega317
Wed Feb 14, 2018 6:30 am
Forum: Investing - Help with Personal Investments
Topic: Pay tuition cash or use student loans and invest instead or both
Replies: 12
Views: 720

Re: Pay tuition cash or use student loans and invest instead or both

To put the above correct answers into context, know that a common question on the forum is if one should pay cash or take out (or keep) a mortgage at less than 4%, sometimes deductible to an effective rate of less than 3%, or a car loan of less than 2%. 6.8% is crazy to me if you don't have to.
by mega317
Wed Feb 14, 2018 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Why not just do CDs and skip bonds?
Replies: 37
Views: 6905

Re: Why not just do CDs and skip bonds?

rongos wrote:
Tue Feb 13, 2018 5:17 pm
Long term, bonds outperform CDs.

Conventional thinking says bonds go up when stocks go down (flight to safety).
No. Stocks and most bonds have very low correlation. Meaning when stocks go down, bonds could do anything.
by mega317
Tue Feb 13, 2018 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Am I doing this right?
Replies: 13
Views: 831

Re: Am I doing this right?

There are plenty of issues to address and you would be helped by posting according to "asking portfolio questions". Your plan is fine but not optimal. Two issues. First, the market has generally gone up over time and we expect it will continue to do so. So mathematically it's better to invest any mo...