Search found 3283 matches

by mhc
Tue Feb 28, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Question
Replies: 19
Views: 1526

Re: Vanguard Money Market Question

Tamales,

I have a plain old mutual fund account and it works that way. I don't know how a VBS account works. I don't know how ETF transactions work.
by mhc
Mon Feb 27, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Where to go when stocks, bonds overpriced
Replies: 11
Views: 1392

Re: Where to go when stocks, bonds overpriced

If you have 10 years to retirement and 30 years in retirement, then you are investing for the long term. Pick an AA that you can live with and stay the course.

Continue to educate yourself and tune out the noise/investing porn.
by mhc
Mon Feb 27, 2017 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Understanding an HSA - help
Replies: 7
Views: 550

Re: Understanding an HSA - help

Beaware that there is tax differences based on how you make contributions to an HSA. Payroll deductions usually avoid FICA taxes. If you contribute on your own, you will have to pay FICA on that money. I would compare your HSA providers to see who has the better options you are looking for. In gener...
by mhc
Mon Feb 27, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Question
Replies: 19
Views: 1526

Re: Vanguary Money Market Question

The Vanguard MM has not been very competitive for quite a few years, as compared to a high interest savings account. It seems to be catching up. If you link your savings account to your Vanguard account, you should be able to eliminate most the delays in moving money around. You can purchase directl...
by mhc
Mon Feb 27, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Do you clear your inbox?
Replies: 45
Views: 2328

Re: Do you clear your inbox?

I treat my work and personal email the same. My inbox is my todo list. For example, if I receive an email that I need to act on, it stays in the inbox until I act on it. Emails I want to save, get filed into the appropriate folder. Other emails get deleted. A lot of emails from work do not pertain t...
by mhc
Mon Feb 27, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Outdoor grill: gas or electric?
Replies: 51
Views: 2338

Re: Outdoor grill: gas or electric?

A Weber Performa with gas assist is great. If you use lump charcoal, the clean up is easy. I just dump the ashes in my yard or flower bed. The clean up is really easy. The lighting is really easy. I believe it is much more versatile than my propane grill, and Weber figured out how to overcome the ha...
by mhc
Mon Feb 27, 2017 9:28 am
Forum: Personal Consumer Issues
Topic: Going to Tahiti and we're budget travelers
Replies: 22
Views: 1544

Re: Going to Tahiti and we're budget travelers

Didn't spend much time on Tahiti, so can't help there. On Moorea, we did a jeep tour and a boat tour that we really enjoyed. I would recommend both. I would guess they would have similar tours on Tahiti. We did not have a car on Moorea. We either walked, used a taxi or shuttle. On the other island w...
by mhc
Fri Feb 24, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Are there any good funds with <$1,000 minimum purchase requirement?
Replies: 6
Views: 383

Re: Are there any good funds with <$1,000 minimum purchase requirement?

When I started my HSA at Fidelity, I just let the cash accumulate until I had the $2500 to buy the Fidelity Spartan fund I wanted. If you are contributing the max for a family, it takes less than 6 months to get there.
by mhc
Thu Feb 23, 2017 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Honda: buy new or used?
Replies: 29
Views: 1355

Re: Honda: buy new or used?

Buy new. Hondas do not depreciate very quickly.

I think the advantage of buying used has been exploited to the point that there is no longer an advantage, at least with Hondas.
by mhc
Thu Feb 23, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card limits
Replies: 16
Views: 1190

Re: Credit card limits

For a responsible person, I see no downside to a higher credit limit. The higher limit will drop the utilization rate, and subsequently increase your credit score. I shoot for a utilization rate of below 10%. The other consideration is to have a high enough credit limit to cover 2x max spend for a m...
by mhc
Thu Feb 23, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 4423

Re: VTIAX now has 0.11% ER

Awesome!

I can now retire 10 minutes earlier. :twisted:
by mhc
Wed Feb 22, 2017 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Employee stock purchase plan and same day sale (tax treatment)
Replies: 5
Views: 384

Re: Employee stock purchase plan and same day sale (tax treatment)

Are any taxes withheld, or does your employer just add the difference between the sale price and purchase day price (presumably a positive gain) to your YTD income but no taxes taken out? The difference between the fair market value (FMV) and purchase price is added to your W-2. No taxes are withhe...
by mhc
Wed Feb 22, 2017 9:12 am
Forum: Personal Consumer Issues
Topic: Staying at Disneyworld
Replies: 30
Views: 3005

Re: Staying at Disneyworld

deleted response because I had read Disneyland not Disneyworld :shock:
by mhc
Tue Feb 21, 2017 10:59 am
Forum: Investing - Help with Personal Investments
Topic: Where to deploy cash now ?
Replies: 11
Views: 589

Re: Where to deploy cash now ?

People have been saying stocks are too high and bonds are too dangerous. If you can tell the future, you can make a lot of money. I can't tell the future so I keep investing according to my AA when the money comes available. I just dropped in a large lump sum. If you don't like bonds, you could use ...
by mhc
Fri Feb 17, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 529 changes - addition of international bonds
Replies: 4
Views: 410

Re: Vanguard 529 changes - addition of international bonds

I think 100% TSM.

When my children get closer to college, I may mix in TBM.
by mhc
Fri Feb 17, 2017 1:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard 529 changes - addition of international bonds
Replies: 4
Views: 410

Re: Vanguard 529 changes - addition of international bonds

Not surprising. That is the direction Vanguard has been moving.

This is one reason I do not use age based funds.
by mhc
Thu Feb 16, 2017 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Tax Deferred vs Taxable IRA's
Replies: 8
Views: 525

Re: Tax Deferred vs Taxable IRA's

I'm not familiar with a taxable IRA vs tax deferred IRA. It may help if you explain these further. All gains and deductible contributions to an IRA are taxed as income when they are distributed to the individual. Take a look at the wiki: https://www.bogleheads.org/wiki/Traditional_IRA There are link...
by mhc
Wed Feb 15, 2017 9:31 am
Forum: Personal Consumer Issues
Topic: Visiting Downtown Denver in late March without car.
Replies: 19
Views: 1067

Re: Visiting Downtown Denver in late March without car.

My family and I have stayed at the Hyatt by the convention center multiple times. Here are a list of close by activities: Easy walk 16th street mall: restaraunts, small Federal Reserve museum, free bus along mall area Capitol Art Museum Mint (need reservations in advance) Molly Brown House Byers-Eva...
by mhc
Tue Feb 14, 2017 10:15 am
Forum: Personal Consumer Issues
Topic: Windshield repair gone wrong....
Replies: 19
Views: 2195

Re: Windshield repair gone wrong....

Replacing windshields is trivial. Almost everyone in Colorado has their windshield replaced periodically, especially if you drive much on the interstates.
by mhc
Mon Feb 13, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: New car for wife and what to do with old car
Replies: 48
Views: 2400

Re: New car for wife and what to do with old car

I bought a CR-V for my wife for our first child. She had a Civic. The CR-V was great. Large cargo area for all the baby gear needed while traveling. The cargo area also doubled as a play pen at stops during day trips. The distance from front seat to rear seat was great, because the passenger could e...
by mhc
Mon Feb 13, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone have $0 in cash (except for bills), not even an emergency fund?
Replies: 45
Views: 2191

Re: Does anyone have $0 in cash (except for bills), not even an emergency fund?

I could go $0 cash, but I like having cash around. I think it makes life easier. I have 80/20 portfolio. I count my cash as part of the 20%. I keep 1.5% cash/18.5% bonds. I don't think I am losing out much by doing so. No dedicated emergency fund. I just make sure I have enough liquidity.
by mhc
Wed Feb 08, 2017 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Insurance philosophy
Replies: 8
Views: 543

Re: Insurance philosophy

Your thinking is correct. In general, a person will be better off if he can self-insure. Insurance is just one way to mitigate risk. Many people choose to self-insure instead of buying life insurance, collision/comprehensive for cars, long term care, disability, especially as their portfolios increa...
by mhc
Wed Feb 08, 2017 9:14 am
Forum: Investing - Help with Personal Investments
Topic: Beginner Here...where to buy?
Replies: 7
Views: 734

Re: Beginner Here...where to buy?

Welcome to the forum.

Since I hold only Vanguard funds in my non-work related accounts, I prefer to deal directly with Vanguard. I have been very pleased with Vanguard.
by mhc
Tue Feb 07, 2017 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Help understanding W4 allowances
Replies: 14
Views: 1168

Re: Help understanding W4 allowances

If you don't want a refund, then increase to 3 or 4. Just be aware of the underwitholding rules and safe harbor rules.

Some people like refunds. One reason is some tax software will let you buy Amazon gift cards at a discount with your refund. I think some use the refunds to buy Ibonds.
by mhc
Mon Feb 06, 2017 2:43 pm
Forum: Investing - Theory, News & General
Topic: Upgrading a VBS Advantage account to new unified account
Replies: 1
Views: 201

Re: Upgrading a VBS Advantage account to new unified account

I would recommend asking your account rep these questions since Vanguard is pushing you in this direction.

You may also want to search this site because there have been numerous threads on this topic.

I am holding off on upgrading.
by mhc
Fri Feb 03, 2017 11:26 am
Forum: Personal Finance (Not Investing)
Topic: When to file income tax
Replies: 12
Views: 1550

Re: When to file income tax

I had to file an amended return a few years ago because I received a corrected 1099 in April. I'm in no hurry to file. I'll probably wait until March or so.
by mhc
Tue Jan 31, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 3224

Re: Are you changing your AA based on current events?

No.

Looking out my window at work, I only see a sunny blue sky. I don't see the sky falling. Things look pretty normal to me.

Try tuning out the noise.
by mhc
Mon Jan 30, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund options
Replies: 23
Views: 1449

Re: Doner Advised Fund options

I chose Vanguard Charitable because my taxable account is at Vanguard. I have been very pleased with VC. With just a few clicks I can donate from Vanguard to Vanguard Charitable.

The minimums are no problem for me, but it is something to consider.
by mhc
Mon Jan 30, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Claiming Exempt on W4 and filing estimated taxes?
Replies: 6
Views: 547

Re: Claiming Exempt on W4 and filing estimated taxes?

I learned my lesson about 15 years ago playing with withholdings. I am on an IRS blacklist for the rest of my life unless Congress changes the law. Not a big deal, but I have to jump through a few extra hoops to change my W-4.
by mhc
Fri Jan 27, 2017 11:31 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation - considering a change
Replies: 18
Views: 1558

Re: Asset Allocation - considering a change

If you change to 60/40, are you going to change again when you see another compelling article or video? I would just stay at 50/50 and stay there. I understand what you are saying. Our consideration of a change was not driven by that video. It was just one of many pieces of information we added to ...
by mhc
Fri Jan 27, 2017 10:51 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation - considering a change
Replies: 18
Views: 1558

Re: Asset Allocation - considering a change

If you change to 60/40, are you going to change again when you see another compelling article or video? I would just stay at 50/50 and stay there.
by mhc
Thu Jan 26, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with $100K I might need in 3 months?
Replies: 44
Views: 3002

Re: What to do with $100K I might need in 3 months?

Just leave it where it is since you need it in 1-3 months.
by mhc
Thu Jan 26, 2017 11:31 am
Forum: Personal Consumer Issues
Topic: 75 gallon hot water heaters
Replies: 40
Views: 2411

Re: 75 gallon hot water heaters

It's possible they are just misinformed and did not intend to lie.

I would bet they had 50 gallon tanks at their shop, and they had no 75 gallon tanks. They were just selling what they had.
by mhc
Wed Jan 25, 2017 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: turbo tax - sold rental real estate
Replies: 2
Views: 188

Re: turbo tax - sold rental real estate

15 years ago I switched from doing taxes by hand to TT Premier when I started renting out a condo. About 5 years ago, I sold the rental, and TT Premier handled it with no problems. It was really easy. There was hardly any info that needed to be entered.
by mhc
Wed Jan 18, 2017 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard why? (Donating to Donor advised Fund)
Replies: 20
Views: 1766

Re: Why Vanguard why? (Donating to Donor advised Fund)

I know this may not help, but I use Vanguard Charitable. The first time I did a transfer, I had a very specific request. I called Vanguard Charitable on how to handle it. The rep conferenced in a Vanguard rep, and the three of us worked it out. The transfer went through without a hitch. Since then, ...
by mhc
Fri Jan 13, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Retiree health care premium before reaching medicare age
Replies: 17
Views: 1259

Re: Retiree health care premium before reaching medicare age

Given that the ACA is about to be repealed and we have no idea what will replace it, what people are paying now will not be particularly helpful to you going forward. It is impossible to predict healthcare costs even a few years out at this time. Agree. Last year I went on my state's exchange to de...
by mhc
Thu Jan 12, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: How much do you typically spend in a restaurant?
Replies: 171
Views: 9858

Re: How much do you typically spend in a restaurant?

For family of 5, dinner usually runs $80-100, no alcohol. We live in an average cost of living city. Last time I was in Dallas for work, I took two people out to dinner to an average cost restaurant. Two of us had a beer a piece. No appetizers or desserts. With tax and tip, the bill came to $150. I ...
by mhc
Thu Jan 12, 2017 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Update on mix in DAF for long term?
Replies: 9
Views: 455

Re: Update on mix in DAF for long term?

Your numbers don't add up to 100%. I have similar goals to you in my DAF. Mine is at Vanguard Charitable. I use: Growth (all in one option) Vanguard Total Bond Market Index Fund 20% Vanguard Total Stock Market Index Fund 55% Vanguard Total International Stock Index Fund 25% I think 80/20 AA is good ...
by mhc
Wed Jan 11, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: New Amazon Prime card, no annual fee, 5%(!) back on Amazon purchases
Replies: 72
Views: 6950

Re: Amazon Prime Rewards Visa Signature Card

I just got the Amazon Store Card for the 5% because the Amazon Visa was only giving 3%. Now the Amazon Visa will give me 5%. :x :x :x
by mhc
Wed Jan 11, 2017 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6480

Re: Where do you keep your emergency fund?

There are lots of threads on this.

If you want a dedicated EF, then an online savings accout can get you about 1%. You could ladder CDs or use a short term bond fund. If you have a large portfolio, a dedicated EF is not necessary.
by mhc
Tue Jan 10, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: ICMA retirement transfer to Vanguard [457 plan administrator]
Replies: 6
Views: 384

Re: ICMA retriement transfer to Vanguard

I'm a gov't employee with a pension, 457k plan, and roth ira all through ICMA. From reading on here, it seems that switching my roth ira from ICMA to vanguard is the best thing for me. Is this complex to with a roth ira from one company to vanguard? TIA I'm pretty sure my DW had a ICMA IRA when we ...
by mhc
Tue Jan 10, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you make contributions to your portfolio?
Replies: 15
Views: 1040

Re: How often do you make contributions to your portfolio?

I make contributions whenever I have a cash available above a certain minimum threshold. I add it to the fund that needs it most. This occurs probably 6-8 times a year. I have a spreadsheet to show me where to make the contribution. I probably only spend a couple hours a year doing this. I wish it t...
by mhc
Mon Jan 09, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Do you avoid aggregators? Best expense tracker for manual entry?
Replies: 13
Views: 872

Re: Do you avoid aggregators? Best expense tracker for manual entry?

I use excel to track expenses. It take me less than an hour a month. One sheet per year. One column per month. One row per item. I track each bill I pay, atm, donations per charity, .... I do not break out credit card spending into categories. I just leave them as one item. I believe my credit card ...
by mhc
Mon Jan 09, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Is CreditKarma legit?
Replies: 11
Views: 1502

Re: Is CreditKarma legit?

I believe they are legit. They make money by looking at your info and recommending products that may benefit you. The tax software is free but limited at this time. I believe I saw they do not handle Foreign Income Credit or something like that. There is a couple different ways for recouping foreign...
by mhc
Fri Jan 06, 2017 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Do we need life insurance?
Replies: 18
Views: 1210

Re: Do we need life insurance?

If you don't need the insurance, then don't buy it. It is usually more cost efficient to self insure.

Insurance is to manage risk. If you are not at risk, then no need for insurance.
by mhc
Thu Jan 05, 2017 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Am I wasting time with additional funds
Replies: 30
Views: 2091

Re: Am I wasting time with additional funds

I would probably only have one fund per account. I follow the 3-fund, but I wouldn't worry about the exact AA until you hit $50k. Your saving rate is more importatant at this point. I believe in keeping it simple.

VTI in one account
VXUS in the other
Done
by mhc
Thu Jan 05, 2017 11:41 am
Forum: Personal Consumer Issues
Topic: Amazon Prime shipping to post office for pickup?
Replies: 18
Views: 1303

Re: Amazon Prime shipping to post office for pickup?

Never heard of that before.

I would not have picked it up. I would have contacted Amazon and told them to deliver it to the door or refund the purchase. If I want to drive to get a microwave, I can more easily stop at Walmart and get one.
by mhc
Wed Jan 04, 2017 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Classifying "Other" investments in Vanguard Portfolio Watch
Replies: 4
Views: 441

Re: Classifying "Other" investments in Vanguard Portfolio Watch

As far as I can tell, the feature went away when the new aggregator came. I have the same problem. My 401k uses CITs that show up as other. I have given up on Portfolio Watch. I never really found it that useful in the first place, so I don't mind losing it. Thanks. What do you use in place of Port...
by mhc
Tue Jan 03, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Classifying "Other" investments in Vanguard Portfolio Watch
Replies: 4
Views: 441

Re: Classifying "Other" investments in Vanguard Portfolio Watch

As far as I can tell, the feature went away when the new aggregator came. I have the same problem. My 401k uses CITs that show up as other. I have given up on Portfolio Watch. I never really found it that useful in the first place, so I don't mind losing it.
by mhc
Mon Jan 02, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Help evaluate new job offer with no 401k match
Replies: 14
Views: 874

Re: Help evaluate new job offer with no 401k match

The new job sounds better because the opportunity to advance. That is probably worth much more than the match.

What are the ER for current 401k? The lower ER at Vanguard may make up for losing the match over the long run . Also, with advancement, you may be able to save more.

Go to advanced search