Search found 13 matches

by stimulacra
Thu Mar 09, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Owe $4k in taxes / Got $4k room left in IRA contribution limit
Replies: 3
Views: 437

Re: Owe $4k in taxes / Got $4k room left in IRA contribution limit

Can you just transfer the money from your (of course you have one...) emergency fund and then build that back up over the year, kind of repurposing it? I think that's my plan. I've already dipped into it twice already this year (auto repair / overseas remittance) and was replenishing it slowly. In ...
by stimulacra
Thu Mar 09, 2017 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Owe $4k in taxes / Got $4k room left in IRA contribution limit
Replies: 3
Views: 437

Owe $4k in taxes / Got $4k room left in IRA contribution limit

Hi everyone. That time of the year again. I didn't withhold enough from my taxes for 2016 so owe roughly $4k in taxes. Trying to maximize all my deductions and it looks like if I maximize my contributions to my traditional IRA (I've contributed $1,500 in 2016) it'll roughly cut my tax bill by a thir...
by stimulacra
Mon Mar 06, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 85
Views: 6430

Re: Did you buy SNAP?

SnapChat doesn't really offer anything that Facebook won't offer in the very near future but with larger network effects. My 14 year old loves snapchat, and has less than zero interest in facebook. Facebook is for 40 year olds. I don't see how snapchat will monetize their eyeballs, and in 8 years, ...
by stimulacra
Mon Mar 06, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 85
Views: 6430

Re: Did you buy SNAP?

No. Seems way overvalued for what you're getting. Zero voting rights. SnapChat doesn't really offer anything that Facebook won't offer in the very near future but with larger network effects. If I had play money to deploy I would probably be looking at some tech or retail tickers that's been having ...
by stimulacra
Fri Feb 24, 2017 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Emerging Market Bonds: Is there any reason to choose VGAVX over VWOB?
Replies: 1
Views: 122

Emerging Market Bonds: Is there any reason to choose VGAVX over VWOB?

Greetings, I'm interested in purchasing Vanguard Emerging Markets Government Bond Index Fund Admiral Shares (VGAVX) but it has a purchasing fee of 0.75% in addition to the 0.35% expense ratio. The ETF equivalent appears to not have that fee. Should I go with the ETF version instead? For index funds ...
by stimulacra
Wed Feb 22, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 114
Views: 8621

Re: Does anyone own gold?

Yes, 3% in ETF form (GLD) 3% in bullion form 6% of total allocation. As the value goes up or down, I rebalance whenever I need to (easier to do with the ETF). I use it as a hedge in my portfolio… insurance policy against catastrophe. I have no emotional investment in it past that. It helps me stay t...
by stimulacra
Tue Jan 31, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: what do you do to avoid the advertising noise?
Replies: 45
Views: 2329

Re: what do you do to avoid the advertising noise?

I use multiple browsers. Each browser has a specific role and function that works for me: 1) Safari: Logged in to Facebook and other SM profiles. Also used for checking financial accounts and various Apple/iCloud services. Default search engine here is DuckDuckGo, will only use Google if I want to l...
by stimulacra
Fri Jan 27, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: The market knows, except for mutual funds
Replies: 39
Views: 3386

Re: The market knows, except for mutual funds

The phrase “picking up nickels in front of steamrollers” comes to mind.

How would you know if a price decline on a security was just a momentary blip or something more intrinsic to the underlying business? How would you be able to act on it in time?
by stimulacra
Thu Jan 12, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: VW Diesel Buyback -- how fast?
Replies: 13
Views: 1011

Re: VW Diesel Buyback -- how fast?

Completed the paperwork earlier this week and uploaded it. Got a dealership date to turn my car in on February 16th. The car (2012 Passat TDI) is parked at my apartment till then. Ended up getting a 6 year old Audi station wagon to drive around. The whole process dragged on from my POV, a lot of it ...
by stimulacra
Thu Jan 05, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: What is your age, asset allocation and total return year to date?
Replies: 15
Views: 1193

Re: What is your age, asset allocation and total return year to date?

kosomoto wrote:My return:
According to the Vanguard personal performance page my return was 10.6% but that seems too high. Does anybody know how to read it properly?


That's probably “Since Inception”

You can toggle the view underneath the graph to show 1 year or YTD.
by stimulacra
Thu Jan 05, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: Good time for VGPMX? [Vanguard Precious Metals And Mining]
Replies: 18
Views: 1849

Re: Good time for VGPMX? [Vanguard Precious Metals And Mining]

I've owned it in the past (3% weighting), didn't seem to offer any value in my portfolio at the time (Employer 401k). Switched over to Gold ETF's (GLD, IAU) at 5% weighting and it does offer a reassuring counterbalance to stocks and bonds (enough for me to sleep well at night). Thinking about eventu...

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