Search found 3134 matches

by mhc
Mon Jul 25, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: Buy and hold an index. You can't possibly compete with the Masters of the Universe!
Replies: 9
Views: 1347

Re: Buy and hold an index. You can't possibly compete with the Masters of the Universe!

Fortunately, I am not competing against anyone.

I ignore the daily noise, and I am on track to early retirement.
by mhc
Fri Jul 22, 2016 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?
Replies: 32
Views: 2959

Re: Dump $5500 to Roth IRA on Day 1 of every year or split contribution to 12 months?

I max my IRA contribution in early January every year. I then do a conversion to get it into my Roth. I do this because the money happens to come available in January every year. One contribution keeps this two step process simpler. If you have the money, put it in at once and be done. If the money ...
by mhc
Fri Jul 22, 2016 9:26 am
Forum: Investing - Help with Personal Investments
Topic: should I own both of these
Replies: 6
Views: 497

Re: should I own both of these

Before you sell, what are the tax implications? You should consider the cost (taxes) of selling.
by mhc
Fri Jul 22, 2016 9:23 am
Forum: Personal Consumer Issues
Topic: Should one upgrade to Windows 10? Free thru July 29?
Replies: 35
Views: 2580

Re: Should one upgrade to Windows 10? Free thru July 29?

The Windows 10 updater should tell you if you will have any compatibility issues. I had one with an old VPN program. I had to delete it and then manually run the checker again so that Windows 10 would install. If you are going to upgrade, don't wait until the last minute. I just upgraded this week. ...
by mhc
Tue Jul 19, 2016 3:56 pm
Forum: Personal Consumer Issues
Topic: Why did the car salesman stop replying to my emails
Replies: 78
Views: 7484

Re: Why did the car salesman stop replying to my emails

Maybe the person has Sunday and Monday off and he is still catching up on emails. It is only Tuesday.

Maybe the person is sick and out a few days.

Maybe a family emergency.
by mhc
Tue Jul 19, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Deferred Compensation: good idea?
Replies: 11
Views: 1067

Re: Deferred Compensation: good idea?

I have a Non-qualified Deferred Comp plan. I put it all in bonds. Your plan could serve as part of the bond portion of your portfolio. As long as the company does not go under, you should come out ahead. If $100k/yr is too much to risk, what about $50k/yr? I like deferring taxes. Who knows, maybe I'...
by mhc
Mon Jul 18, 2016 12:08 pm
Forum: Personal Consumer Issues
Topic: When to Buy New Tires
Replies: 10
Views: 884

Re: When to Buy New Tires

I would get it repaired for free at Discount Tire.

You should be able to get a lot more out of the tires.
by mhc
Thu Jul 14, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: Greatwolf Lodge Dallas Deals
Replies: 10
Views: 828

Re: Greatwolf Lodge Dallas Deals

We went to the one in Grapevine 2 Christmas's ago. My kids ranged from 6-10 at the time. They loved it. They loved everything about it. water park magic quest their own room in our room with bunkbeds and tv grandeur of the hotel story time at night in the lobby I would not want to do it again. I don...
by mhc
Wed Jul 13, 2016 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: ETF's through Ameritrade for Admiral Share Prices?
Replies: 20
Views: 1066

Re: ETF's through Ameritrade for Admiral Share Prices?

ONE: reducing cost is a good thing, but it is only worth it if the ETFs drop the cost enough to outweigh the cons of the ETF. I had no problem going with a Vanguard ETF in my HSA because it was cheaper than buying the mutual fund. ETFs shouldn't be scary. TWO: You don't need any other funds. You hav...
by mhc
Tue Jul 12, 2016 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Where would you invest/rebalance "if"...
Replies: 24
Views: 1236

Re: Where would you invest/rebalance "if"...

OP, it sounds to me that you have been listening to too much of the noise. Over-valued not a safe haven lock in gains You are asking people to answer a question similar to "if you could no longer breath oxygen, what would you breath?" If you can't buy US equities or bonds, what would you b...
by mhc
Tue Jul 12, 2016 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship Status [worth lobbying for?]
Replies: 13
Views: 1721

Re: Vanguard Flagship Status [worth lobbying for?]

I think as long as you are voyager or higher it is essentially the same, at least from my experience.
by mhc
Fri Jul 08, 2016 9:03 am
Forum: Investing - Theory, News & General
Topic: What Portfolio analysis tool do you use?
Replies: 22
Views: 1385

Re: What Portfolio analysis tool do you use?

I don't do any backtesting. I have a spread sheet that shows me my asset allocation vs. my target allocation. This aids me in directing new funds or rebalancing if necessary. I don't know of any other analysis that I need to do. I have low cost index funds. I stay the course with my allocations. I d...
by mhc
Tue Jul 05, 2016 3:52 pm
Forum: Personal Finance (Not Investing)
Topic: When to Count Social Security
Replies: 28
Views: 1833

Re: When to Count Social Security

What RODC said. You are 28 and may live to be 98. That is 70 years from now. To far out to predict accurately enough to worry about. The earliest you would collect SS is about 35 years away. That is too far to make any meaningful predictions. In shooting, the wind at the muzzle of the gun is more im...
by mhc
Tue Jul 05, 2016 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: keep Prime money market fund open?
Replies: 3
Views: 472

Re: keep Prime money market fund open?

I would keep the fund open, but I would not keep any money in there.

No need for you to close it.
by mhc
Thu Jun 30, 2016 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: TSM with SP500
Replies: 5
Views: 375

Re: TSM with SP500

No problem having TSM and SP500. I have both. I purchased the SP500 fund before becoming a boglehead. It has way too much in cap gains to sell. I do not reinvest distributions into it. I am slowly chipping away at it by donating shares to charity. It is great for that because it has the largest gain...
by mhc
Thu Jun 30, 2016 11:09 am
Forum: Personal Consumer Issues
Topic: Tipping Etiquette Question.
Replies: 37
Views: 3381

Re: Tipping Ettiquet Question.

I would tip on the bill at the rate that I normally give someone that provides excellant service.
by mhc
Thu Jun 30, 2016 9:01 am
Forum: Personal Consumer Issues
Topic: Visiting Denver soon
Replies: 9
Views: 797

Re: Visiting Denver soon

What do you generally like to do? This part of the country is amazing for dinosaur and plant fossils, outdoor activities (kayaking, hiking, rock climbing), some history associated with mining and the westward expansion of the country. Personally, I would not spend more than a few days in Denver cons...
by mhc
Wed Jun 29, 2016 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 225
Views: 22927

Re: Where were you financially when you were at 30?

Living in an apartment with no debt. I was earning more than I could spend. Not a financial care in the world. I was maxing my 401k and buying stocks and mutual funds based on recommendations from friends.
by mhc
Wed Jun 29, 2016 4:49 pm
Forum: Personal Finance (Not Investing)
Topic: Applied for Internal Position - Wasn't Interviewed
Replies: 33
Views: 3244

Re: Applied for Internal Position - Wasn't Interviewed

Take note that in some companies challenging HR gets you on a black list.
by mhc
Wed Jun 29, 2016 10:57 am
Forum: Personal Consumer Issues
Topic: Bogleheads, have we "arrived" ?
Replies: 70
Views: 5763

Re: Bogleheads, have we "arrived" ?

If you do credit card promos or have life insurance, then you have not yet arrived. +1 Also, if you need a dedicated Emergency Fund, then you have not yet arrived. If you talk about what it takes to arrive, then you have not arrived. I don't know if I have arrived or not. I don't think in those ter...
by mhc
Wed Jun 29, 2016 9:49 am
Forum: Personal Consumer Issues
Topic: Can this roast beef be saved?
Replies: 22
Views: 1680

Re: Can this roast beef be saved?

A chuck roast can be braised to make it tender. Braising is cooking low temp for a long time with moist heat to convert the collagen to gelatin. The conversion starts around 160-165 F and usually finishes around 205 F. This is the technique for pot roasts and BBQ (smoked meat). You probably did not ...
by mhc
Mon Jun 27, 2016 10:17 am
Forum: Personal Consumer Issues
Topic: I need a new mattress. Memory foam?
Replies: 53
Views: 3277

Re: I need a new mattress. Memory foam?

This rage has been going for some time. I bought a memory foam mattress about 6-8 years ago. My DW and I initially loved it. Over time, I have determined that I prefer an old school mattress. I spend at least 30 nights a year in hotels. I always prefer the hotel traditional mattresses to my memory f...
by mhc
Mon Jun 27, 2016 10:14 am
Forum: Investing - Help with Personal Investments
Topic: When to swap back to original TLH'd fund when replacement still has capital gain?
Replies: 15
Views: 821

Re: When to swap back to original fund that still has gain?

I would keep it. It is a good fund.

At least wait a week or two to see what happens. You may be able to TLH.

I have a fund that is good but I want to get rid of it to simplify my portfolio. I donate chunks of it to my DAF every year to get rid of it.
by mhc
Mon Jun 27, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: Fund swaps to harvest losses
Replies: 13
Views: 995

Re: Fund swaps to harvest losses

4k is a good amount to TLH. I would not sit out of the market. The market could come back very quickly.

If you TLH, figure out your next TLH fund to buy. Things may keep going down for a while.
by mhc
Fri Jun 24, 2016 2:43 pm
Forum: Personal Consumer Issues
Topic: I went to the store today (athletic store) that was going out of business
Replies: 18
Views: 2255

Re: I went to the store today (athletic store) that was going out of business

When I looked at our local Sports Authority a few weeks ago, the items I was interested in were more expensive than Amazon, even with the discount. I'm holding out until the prices are lower than Amazon.
by mhc
Fri Jun 24, 2016 10:48 am
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 4772

Re: Dog attacked by another dog

1. go to vet 2. report the incident 3. talk to the other owner in a nice way and see what he does You may not have a leg to stand on in holding the other person responsible. How could you prove that your dog did not injure itself in the time between the attack and you noticing the problem? Unless t...
by mhc
Fri Jun 24, 2016 10:09 am
Forum: Personal Consumer Issues
Topic: Dog attacked by another dog
Replies: 91
Views: 4772

Re: Dog attacked by another dog

1. go to vet 2. report the incident 3. talk to the other owner in a nice way and see what he does You may not have a leg to stand on in holding the other person responsible. How could you prove that your dog did not injure itself in the time between the attack and you noticing the problem? Unless th...
by mhc
Thu Jun 23, 2016 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing capital gains tax drag to diversification benefit
Replies: 8
Views: 411

Re: Comparing capital gains tax drag to diversification benefit

I try to extract as much of the time value as possible with my options. If they represent a smallish portion of your portfolio (<10-20%), then hold them until you either really need the money or they are within a year or two of expiring. If they are a large portion of your portfolio, then sell and ...
by mhc
Thu Jun 23, 2016 2:33 pm
Forum: Investing - Help with Personal Investments
Topic: Comparing capital gains tax drag to diversification benefit
Replies: 8
Views: 411

Re: Comparing capital gains tax drag to diversification benefit

I'll try to address the stock options. I try to extract as much of the time value as possible with my options. If they represent a smallish portion of your portfolio (<10-20%), then hold them until you either really need the money or they are within a year or two of expiring. If they are a large por...
by mhc
Wed Jun 22, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2348

Re: An actual book on LastPass?

How good is LastPass at filling in passwords on third part apps on an Android phone?
by mhc
Wed Jun 22, 2016 8:53 am
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Purchase Program
Replies: 10
Views: 472

Re: Employee Stock Purchase Program

Why wouldn't you participate? Being a boglehead is about making wise financial decisions. Let's see, 15% discount is an automatic 100/85 = 17.6% gain in a quarter. Get the stock. sell immediately, and then invest the proceeds into your boglehead portfolio. Many people on this forum participate in ES...
by mhc
Tue Jun 21, 2016 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Any ESPP Advice?
Replies: 23
Views: 1281

Re: Any ESPP Advice?

I am not a fan of holding individual stocks, particularly company stock.

My preference is to max out contributions and then sell immediately and invest in my well diversified portfolio.
by mhc
Tue Jun 21, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: Splurge on hotel?
Replies: 19
Views: 1194

Re: Splurge on hotel?

If you can afford it and you think it will improve the experience, then do it. I frequently spend more on hotels because it makes vacations more enjoyable and memorable. Caveat: If you are not going to spend much time in the hotel, then it really doesn't matter unless it improves your location. On m...
by mhc
Tue Jun 21, 2016 9:24 am
Forum: Personal Finance (Not Investing)
Topic: Eletronic Delivery vs Mail [fund statements, tax forms]
Replies: 46
Views: 2310

Re: Eletronic Delivery vs Mail

electronically

As long as there are not too many hoops to jump through, I prefer electronic delivery or download.
by mhc
Wed Jun 08, 2016 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Selling from taxables
Replies: 16
Views: 1173

Re: Selling from taxables

The Wizard wrote:
mhc wrote:What is your LTCG tax rate? What is your dividend tax rate?

That information should drive your decision because I think it will net you the most money.

Aren't those two rates the same for most people, 15% in my case?


Yes, but not necessarily.
by mhc
Wed Jun 08, 2016 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Selling from taxables
Replies: 16
Views: 1173

Re: Selling from taxables

What is your LTCG tax rate? What is your dividend tax rate?

That information should drive your decision because I think it will net you the most money.
by mhc
Wed Jun 08, 2016 8:14 am
Forum: Investing - Theory, News & General
Topic: What are your friends saying about you?
Replies: 127
Views: 11154

Re: What are your friends saying about you?

Someone asked a co-worker why I knew so much about investing and finances. The co-worker said, " Probably because he is tired of the corporate BS." He nailed it right on the head. 5 years ago I got serious about getting to retirement. I have seen too many people get laid off over the years.
by mhc
Tue Jun 07, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: What To Do Right After Buying a Used Car?
Replies: 21
Views: 2114

Re: What To Do Right After Buying a Used Car?

Insurance, plates, registration.
by mhc
Tue Jun 07, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Suggestion For Plush Socks That Don't Bunch Under The Feet
Replies: 15
Views: 959

Re: Suggestion For Plush Socks That Don't Bunch Under The Feet

These don't bunch, but I don't wear orthotics: REI Merino Wool Hiking Crew Socks . +1 or Smartwool. I wear wool socks year round. Ankle high in the summer and longer socks the rest of the year. For athletics, I like Thorlo. I splurge on shoes and socks. They are luxuries I really appreciate.
by mhc
Thu Jun 02, 2016 2:09 pm
Forum: Investing - Theory, News & General
Topic: Emergency Fund
Replies: 5
Views: 743

Re: Emergency Fund

It also depends on your portfolio size. If you have a large taxable account or large Roth, you may only need 1 month of expenses in your EF. I'm not a big fan of holding a lot of cash.
by mhc
Thu Jun 02, 2016 9:16 am
Forum: Investing - Help with Personal Investments
Topic: When do YOU rebalance?
Replies: 65
Views: 4192

Re: When do YOU rebalance?

Yes.

I would focus all new contributions on equities. I would see it as a buying opportunity for stocks.

A 20% drop may not trigger a rebalance where I sell bonds and by stocks.

AA 80/20 (start)
AA 64/20 (after 20% drop) (AA 76%/24%)

A 20% drop doesn't really upset the AA very much.
by mhc
Wed Jun 01, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: How much should the tickets cost?
Replies: 2
Views: 440

Re: How much should the tickets cost?

qwertyjazz wrote:It is not about a fair price. It is about the appearance of a fair price. Tell him cost is complicated and have him pay for the beer and dogs...


+1

Let him pick up some other costs.
by mhc
Wed Jun 01, 2016 9:05 am
Forum: Personal Consumer Issues
Topic: Birds building nest on exterior house wall
Replies: 30
Views: 1426

Re: Birds building nest on exterior house wall

I am not recommending doing anything illegal. I do not know the lawas for your state or if you are dealing with a protected species. If so, contact the proper authorities for removal. I had barn swallows try to nest on my front porch one year. I tried spraying them and their nest with various house...
by mhc
Tue May 31, 2016 4:19 pm
Forum: Personal Consumer Issues
Topic: anyone got used to reading very technical/academic papers online?
Replies: 22
Views: 1725

Re: anyone got used to reading very technical/academic papers online?

I prefer paper.

Since you want to do it electronically, you may try Adobe Acrobat Reader DC. It has the ability to add comments and stuff to a pdf.
by mhc
Tue May 31, 2016 12:11 pm
Forum: Personal Finance (Not Investing)
Topic: It's not shady to move States for tax reasons is it?
Replies: 48
Views: 4813

Re: It's not shady to move States for tax reasons is it?

It's part of what make the US great. Each state has the right to set certain laws, and people have the right to freely move between states.
by mhc
Tue May 31, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Birds building nest on exterior house wall
Replies: 30
Views: 1426

Re: Birds building nest on exterior house wall

I am not recommending doing anything illegal. I do not know the lawas for your state or if you are dealing with a protected species. If so, contact the proper authorities for removal. I had barn swallows try to nest on my front porch one year. I tried spraying them and their nest with various house...
by mhc
Tue May 31, 2016 11:27 am
Forum: Personal Consumer Issues
Topic: Birds building nest on exterior house wall
Replies: 30
Views: 1426

Re: Birds building nest on exterior house wall

I am not recommending doing anything illegal. I do not know the lawas for your state or if you are dealing with a protected species. If so, contact the proper authorities for removal. I had barn swallows try to nest on my front porch one year. I tried spraying them and their nest with various househ...
by mhc
Tue May 31, 2016 8:56 am
Forum: Personal Finance (Not Investing)
Topic: 529 Contribution Limits
Replies: 6
Views: 662

Re: 529 Contribution Limits

The answer you quoted regerenced a "special rule". You should look that up. I have not looked for a while, but you use to be able to do 5 years worth of gifting in one year. So between you and your spouse you could do 10 x $14k = $140,000 per child this year without worrying about the gift...
by mhc
Fri May 27, 2016 10:31 am
Forum: Personal Finance (Not Investing)
Topic: First Milestone
Replies: 11
Views: 1112

Re: First Milestone

Congratulations!

It's amazing how quickly it can grow from there.
by mhc
Thu May 26, 2016 12:52 pm
Forum: Personal Consumer Issues
Topic: Advice on Mom's Fence / Neighbor
Replies: 57
Views: 4130

Re: Advice on Mom's Fence / Neighbor

If it was my fence, bushes, and property, I would tell the neighbor that I will trim the bushes, and you can remove the chain link fence. If your mother really likes the chain link fence, I would just tell them I like my fence and want it to stay. If you mother and her family cannot trim the hedges,...

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