Search found 89 matches

by steve50
Mon Nov 11, 2019 1:22 pm
Forum: Personal Investments
Topic: Bonds split in Retirement/Taxable Acct
Replies: 4
Views: 475

Re: Bonds split in Retirement/Taxable Acct

I am still not sure about Vanguard Total International Bond Index (VTABX). The SEC Yield 0.43% as listed on Vanguard web site sounds too low to me. Is this the overall total yield or am I missing something? If it is 0.43%, then it may work in taxable also compared to total bond market index.
by steve50
Sat Nov 09, 2019 12:10 pm
Forum: Personal Investments
Topic: Bonds split in Retirement/Taxable Acct
Replies: 4
Views: 475

Bonds split in Retirement/Taxable Acct

This is for a friend who is retired.  Filing as single and in 12% federal tax bracket with no state taxes (could move up to 22% tax bracket in future). No withdrawal needs from any of these funds for daily expenses.  For her bond allocation, she has room for 50% in a retirement account (IRA) and the...
by steve50
Thu Oct 31, 2019 1:40 pm
Forum: Personal Investments
Topic: Logistics of Backdoor ROTH IRA
Replies: 1
Views: 215

Logistics of Backdoor ROTH IRA

Currently, I have the following in my Vanguard traditional IRA Account:  1. $50K as tracked in form 8606 cost basis (non-deductible IRA contributions over the years) 2. $200K Rough estimate of multiple 401k's rolled over to this IRA in the past. 3. $90K Rough estimate of gain over the years in this ...
by steve50
Sat Mar 16, 2019 12:25 pm
Forum: Personal Investments
Topic: Tax-Exempt Bond Fund options
Replies: 19
Views: 2613

Re: Tax-Exempt Bond Fund options

State income tax is 3%
by steve50
Sat Mar 16, 2019 11:49 am
Forum: Personal Investments
Topic: Tax-Exempt Bond Fund options
Replies: 19
Views: 2613

Tax-Exempt Bond Fund options

I am looking for Tax-Exempt bond fund for my taxable account (No space in retirement accounts). 35% tax bracket (3% state). Vanguard advisor recommended the following allocation: 30% - Vanguard Limited-Term Tax-Exempt Fund Admiral Shares 40% - Vanguard Intermediate-Term Tax-Exempt Fund Admiral Share...
by steve50
Fri Mar 15, 2019 10:30 am
Forum: Personal Consumer Issues
Topic: Tesla Model Y
Replies: 127
Views: 9322

Re: Tesla Model Y

Reading all the followup comments, I did not know that Bogleheads were that much into shorting stocks :)

For next Tesla thread, should have in subject line, for Tesla car owners ONLY!!
by steve50
Tue Mar 05, 2019 3:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 63650

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

One good thing about this is now, I will not have to log into my Vanguard account that often which is a good thing and will prevent me from making a stupid move. During a down market, I still had to log in and look at my balance before moving onto BillPay section every month.
by steve50
Tue Mar 05, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 63650

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Looks like Fidelity CMA is the best option as a replacement. Fidelity can automatically liquidate MM for BillPay. Schwab cannot do this.
by steve50
Fri Mar 01, 2019 3:40 pm
Forum: Personal Consumer Issues
Topic: Talk me in/out of $35k Tesla Model 3
Replies: 286
Views: 22138

Re: Talk me in/out of $35k Tesla Model 3

Tesla Model 3 owner for a while. One of the best purchase I ever made and is so much fun to drive. If you can afford it, I would go with premium package and AP & FSD options also.
by steve50
Thu Jan 17, 2019 2:24 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 57637

Re: John Bogle has died at age 89

Very sad to hear the loss of Mr. Bogle. He was a great man and will be truly missed.
by steve50
Fri Dec 14, 2018 10:49 am
Forum: Personal Consumer Issues
Topic: International car rental fine: ignore?
Replies: 6
Views: 854

Re: International car rental fine: ignore?

The rental company charges of 25 Euro fee (on the CC you used for rental) to provide local police your information (name, address etc). You will then receive actual ticket fine letter in mail after several weeks directly from them. The letter will have bank name and account information where you can...
by steve50
Sun Oct 28, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 Owners: Your experience so far
Replies: 80
Views: 12875

Re: Tesla Model 3 Owners: Your experience so far

I used to think it was pretty cool to see a Tesla tooling around town. Now when I see one I just chuckle at the fool that bit on Elon's fantasy. Tesla is not likely to survive, given the number of competitive models coming to market with established dealer networks and supply chain advantages. wron...
by steve50
Sat Oct 27, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 Owners: Your experience so far
Replies: 80
Views: 12875

Re: Tesla Model 3 Owners: Your experience so far

Nice. Well Steve definitely seems happy. Why pay for FSD? Even if they make it happen in 2 years, government will drag their feet for years, no? I plan to keep the car for for very long time, so waiting for FSD is not a problem and the $3K was a very small price to pay for this type of feature (com...
by steve50
Sat Oct 27, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 Owners: Your experience so far
Replies: 80
Views: 12875

Re: Tesla Model 3 Owners: Your experience so far

RWD White+19"+EAP+FSD Owner: 1. Was it worth the money? ==> YES 2. Months of ownership so far ==> 3+ Months 3. Still positive, negative or somewhere in between (say on a 1-5 scale, 5 being very positive / happy). ==>5+ 4. Any big issues / surprises ==> Nope 5. What was the first issue you had that n...
by steve50
Mon Oct 08, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 554
Views: 48347

Re: Talk me out of buying a Tesla Model 3

First of all Tesla is a non-boglehead approved car ($$). But if you can afford it and not stretching yourself financially, I would highly recommend it to anyone. Buying Tesla 3 has been one of my best purchase ever. It is worth every penny I spent on it. I have owned Japanese and German car before, ...
by steve50
Thu Jun 07, 2018 3:43 pm
Forum: Personal Consumer Issues
Topic: Found an FSBO home for sale. How to avoid Realtor?
Replies: 42
Views: 4212

Re: Found an FSBO home for sale. How to avoid Realtor?

Check what your contract with Realtor says. Ask them to add a a clause that if you find, on your own, you are not responsible for paying them any commission. You do not need a Realtor or a lawyer to buy FSBO house. The title company is all you need and they will handle all the paper work for you. I ...
by steve50
Thu Apr 26, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Wedding - financial burden on couple and attendees
Replies: 168
Views: 14837

Re: Wedding - financial burden on couple and attendees

As you can see from the debate that has started above different people view weddings in different ways. Some view it as "I want to share our marriage celebration with all our close family and close friends and will do what I can to be inclusive". While others seem to view it as "Its our wedding day...
by steve50
Mon Dec 11, 2017 1:35 pm
Forum: Personal Investments
Topic: What cause BH fear about running out of saving though they have big size of asset?
Replies: 27
Views: 2385

Re: What cause BH fear about running out of saving though they have big size of asset?

Future medical costs!! They can wipe your savings out pretty fast.

People without money don't have to worry about it since everything will be paid for them.
by steve50
Fri Dec 08, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 89
Views: 9071

Re: Bitcoin now the largest quantifiable bubble in history?

I could easily pop this bubble by buying into Bitcoins (still looking into it and have not done it yet). Every individual stock that I thought was a sure bet (outside of index funds) has gone down after I made the purchase, so have a pretty good track record :happy
by steve50
Wed Sep 27, 2017 8:49 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 18218

Re: The Rolex and The Boglehead

mark4269 wrote:
Wed Sep 27, 2017 7:45 pm
any tips from the rolexscenti about buying new steel Rolex from an AD? I'm looking to buy my first Rolex in Q1 2018. Is sub-MSRP attainable? I've heard yes from some, no from others.

I saw one Rolex at Costco last week which was around $27k. Not sure which model or it’s MSRP.
by steve50
Tue Sep 12, 2017 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: Option to freeze outgoing ACH at Vanguard?
Replies: 6
Views: 1407

Option to freeze outgoing ACH at Vanguard?

Similar to credit freeze, is there some type of option to freeze ACH & wire transfers out of Vanguard account? Do not want to delete the banks I have in there, but some way to put freeze them and when needed, you can unfreeze them (similar to credit freeze). What is the best way to be protected from...
by steve50
Thu Jun 01, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Battery replaced on Prius hybrid car
Replies: 14
Views: 2944

Re: Battery replaced on Prius hybrid car

What did the Toyota dealer say it would cost to replace the battery?
by steve50
Wed May 10, 2017 7:04 pm
Forum: Personal Investments
Topic: Vanguard Personal Advisor Service
Replies: 7
Views: 1644

Re: Vanguard Personal Advisor Service

During my younger days, I had Vanguard advisor plan which was 100% stocks. They asked me if I felt comfortable with 100% stocks and I said yes. If I had hesitated, they would have put me in for 20% bonds. You can get financial plan from Vanguard advisor created and just implemented yourself (so don'...
by steve50
Sun Mar 19, 2017 10:18 am
Forum: Personal Investments
Topic: Am I Addicted [to contribute to my taxable account]
Replies: 57
Views: 8796

Re: Am I Addicted [to contribute to my taxable account]

My taxable account balance makes up more then 50% of my total asset (I do max out everything else that I qualify for). Every time I have brought up taxable account investment topic at office or with anyone else, it is foreign concept for everyone and that topic just stops. I don't bring it up anymor...
by steve50
Sun Mar 05, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 8124

Re: Camry Redesign

deleted
by steve50
Sun Oct 09, 2016 9:44 am
Forum: Personal Investments
Topic: Backdoor Roth IRA - option closed for me?
Replies: 7
Views: 1454

Re: Backdoor Roth IRA - option closed for me?

Will look into moving it back into current 401K if that is allowed or not for my plan. Also cheapest bond fund that I have available in my 401K has 0.90% expense ratio so will have to see if yearly additional expenses are worth while or not.
by steve50
Sat Oct 08, 2016 7:49 pm
Forum: Personal Investments
Topic: Backdoor Roth IRA - option closed for me?
Replies: 7
Views: 1454

Backdoor Roth IRA - option closed for me?

I am looking at back door Roth conversion. It looks like that option would not work for me since it contains large amount of 401K rolled over to IRA, but just wanted to make sure I am not missing anything. Traditional IRA account balance is ~$500K (contains previous employer 401K rollover of about $...
by steve50
Sun Sep 04, 2016 10:23 am
Forum: Personal Consumer Issues
Topic: Frustrated Losing Weight!
Replies: 131
Views: 12462

Re: Frustrated Losing Weight!

Bookmarking this post. Lot of good information here and kind of a wake up call to get started on eating well and exercise. This is actually more important then what my retirement balance or AA is.
by steve50
Thu Jul 07, 2016 9:32 am
Forum: Investing - Theory, News & General
Topic: Staying compliant with property purchase out side of USA
Replies: 1
Views: 338

Staying compliant with property purchase out side of USA

I am in process of purchasing a property out side of the U.S. This would be a cash transaction. To stay compliant from IRS point of view, is there anything I need to do? There are no local property taxes so there is nothing to deduct and there is no mortgage. I would only need to report when I sell ...
by steve50
Mon Mar 07, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Bread - The Cost and Convenience
Replies: 94
Views: 12845

Re: Bread - The Cost and Convenience

We make a loaf about every other day in a bread maker: http://www.zojirushi.com/app/product/bbcec. Takes only a couple of minutes to put in the ingredients and tastes so much better than store bought. You can add seeds, dried fruits, or nuts if desired. The house filled with the aroma of freshly ba...
by steve50
Sat Jan 16, 2016 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Tell me about Expected Family Contribution for college
Replies: 65
Views: 8186

Re: Tell me about Expected Family Contribution for college

Any steps you take to "hide" the money, will cost you more in long term and is not worth it to just get back small student "loan" as financial aid.
by steve50
Mon Jun 02, 2014 9:46 am
Forum: Personal Consumer Issues
Topic: 2014 US Open Tennis Ticket Sale
Replies: 6
Views: 980

Re: 2014 US Open Tennis Ticket Sale

Thank you for the link. I would like to take my kids (12+) to the event, but not knowing too much about all the options, is there particular one you would recommend? I am looking at first few days of the event. The 1st day Kid's day event looks good, but I am assuming this would not be real game eve...
by steve50
Tue Apr 08, 2014 2:13 pm
Forum: Personal Consumer Issues
Topic: First Trip to India
Replies: 49
Views: 19205

Re: First Trip to India

T-Mobile has free unlimited data & text as part of their International plan
by steve50
Sat Jul 20, 2013 5:29 pm
Forum: Personal Consumer Issues
Topic: parental control software suggestion
Replies: 8
Views: 860

Re: parental control software suggestion

What I would recommend is opendns.com solution. This is a free option and very simple to use and works at your router level so it would cover any devices you use at home. You would setup opendns.com account and make simple change to your router (DNS). Also you would need to install small app on one ...
by steve50
Fri Jan 27, 2012 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax: Online or Disc?
Replies: 36
Views: 14685

Re: Turbo Tax: Online or Disc?

If you have to amend your tax return > 1 yr for some reason, you can NOT do that with online version (it is removed from their system).
by steve50
Fri Sep 23, 2011 12:10 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Defined Maturity Funds
Replies: 5
Views: 691

I would be interested in hearing some feedback on this also. So if the funds are held until maturity of the Mutual Fund and it "Distribute net assets to investors at maturity", so does this mean that fund holds bonds that matures in that year only and not any longer term bonds beyond the fund maturi...
by steve50
Fri Aug 19, 2011 10:06 am
Forum: Personal Consumer Issues
Topic: $825 for a tune up!
Replies: 46
Views: 7111

I was quoted the following for 100K service from a local dealer:

$278 - Spark Plugs (Qty 8)
$97 - Timing Chain (inspect only)
$80 - Coolent flush
$88 - Oil/filter, tire rotate etc.
by steve50
Fri Aug 12, 2011 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account–Options if not claimed by deadli
Replies: 5
Views: 767

Thanks livesoft! This is a large company and too large to have a human HR rep that I can even talk to (online only), so trying to get ideas.
by steve50
Fri Aug 12, 2011 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Flexible Spending Account–Options if not claimed by deadli
Replies: 5
Views: 767

Flexible Spending Account–Options if not claimed by deadli

I had contributed $5K into our flexible spending account for dependent care which I forgot to claim for year 2010 deadline of April 30th 2011. My initial try to claim this with HR was declined since this is based on "use it or lose it" option. Is there anything I can say in the appeal with HR that w...
by steve50
Thu Jul 07, 2011 3:25 pm
Forum: Forum Issues and Administration
Topic: Where is Trev H?
Replies: 16
Views: 4353

Not knowing too much about his previous work, I am now curious what his "simplified ultimate buy & hold" strategy is. Does anyone familiar with him, let us know.
by steve50
Thu May 12, 2011 12:43 pm
Forum: Personal Consumer Issues
Topic: Bread Machines
Replies: 25
Views: 3318

I had very good exp with this one and is available on amazon.com - Zojirushi Brand (BB-CE20 or BBCC-20WB type of model). This is on the higher side cost wise compared to others, but well worth it.
by steve50
Wed Jun 23, 2010 6:27 am
Forum: Personal Consumer Issues
Topic: Finding Commercial Retail Space
Replies: 3
Views: 877

Thanks Kerry!
by steve50
Mon Jun 21, 2010 10:02 am
Forum: Personal Consumer Issues
Topic: Finding Commercial Retail Space
Replies: 3
Views: 877

Finding Commercial Retail Space

I am doing some preliminary research into a business (food establishment) and as part of the process, I started looking into trying to find a retail space and see what is available. The ideal space would be at a high end Mall food court, Airport, or downtown area with high traffic. The process is no...
by steve50
Mon May 24, 2010 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the lucky ones living in a paid- off home!
Replies: 75
Views: 8343

1. No..Never
2. Yes!!
by steve50
Thu May 06, 2010 3:09 pm
Forum: Investing - Theory, News & General
Topic: Tax-managed funds a mistake?
Replies: 23
Views: 7080

Taylor, I agree on the Total Stock Market overall, but let’s say you wanted to invest in US Small Cap Index today in taxable acct (high tax bracket) for additional exposure to Small Cap for long term. What would you do? Buy into Tax managed Small Cap or the regular Small Cap index fund? Small-Cap In...
by steve50
Thu May 06, 2010 2:43 pm
Forum: Investing - Theory, News & General
Topic: Safety-First Investing: A Guide for Risky Times
Replies: 46
Views: 7674

His book (worry free investing) is available in pdf format for $5.00 on his web site:
http://www.zvibodie.com/Worry_Free_Investing
by steve50
Mon Apr 26, 2010 2:46 pm
Forum: Personal Investments
Topic: 1st I Bond purchase experience
Replies: 10
Views: 2782

We just purchased our first I bonds also few days ago and both of us are co-owner of each other's bonds.

For the kids, I kept myself as the beneficiary and not the co-owner, so it would be taxed at their rate and not mine, when cashed. I hope that was the correct way of doing it.
by steve50
Thu Apr 08, 2010 11:53 am
Forum: Personal Investments
Topic: do you consider i-bonds as emergency funds
Replies: 24
Views: 4374

I would be curious to know how people are using I bonds who are not retired and are in high tax brackets.

So even after 12 months, it would create a taxable event (tax on interest) and I would think this would not be a good idea.
by steve50
Fri Mar 26, 2010 2:54 pm
Forum: Personal Consumer Issues
Topic: getting hardwood floors--your thoughts?
Replies: 19
Views: 6388

I am also just starting out looking at hardwood flooring. What is everyone’s opinion on type of installation: glue down, nailing or floating?

We have a basement so the 1st floor is not concrete.
by steve50
Fri Feb 26, 2010 5:49 pm
Forum: Investing - Theory, News & General
Topic: Mel's Forbes Column: I Bond Series Wrapup
Replies: 59
Views: 11267

Mel, I have not owned I Bonds and just reading up further on the bogleheads wiki also and trying to understand them... If the current fixed portion is at 0.30% and remains fixed for entire life of I-Bonds, why are they considered a good deal. Looking back when it was in the 3% range, they would be, ...