Search found 517 matches

by TonyDAntonio
Tue Jun 23, 2020 2:28 pm
Forum: Personal Investments
Topic: VEA + PXF = Wash Sale?
Replies: 5
Views: 212

Re: VEA + PXF = Wash Sale?

The holding amounts are different. I think you are fine. I vote not a wash sale.
by TonyDAntonio
Tue Jun 16, 2020 11:35 am
Forum: Investing - Theory, News & General
Topic: Is Stock Market becoming Casino ?
Replies: 42
Views: 3768

Re: Is Stock Market becoming Casino ?

The more people that want to put their money in the stock market the better. I think it's that simple.
by TonyDAntonio
Tue Jun 16, 2020 11:32 am
Forum: Personal Consumer Issues
Topic: Should I sell my stash of dental floss now worth $3,000?
Replies: 105
Views: 11064

Re: Should I sell my stash of dental floss now worth $3,000?

I missed the tulip bubble and now the dental floss bubble? God I suck at investing.
by TonyDAntonio
Sun Jun 14, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: Anyone not bother with Tax Loss Harvesting?
Replies: 116
Views: 7269

Re: Anyone not bother with Tax Loss Harvesting?

I TLH. It's one of the few things I do in investing that makes me feel like a guru. 8-)
by TonyDAntonio
Tue Jun 02, 2020 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should my Wife start collecting SS?
Replies: 12
Views: 1283

Re: Should my Wife start collecting SS?

Anyone know what accounts for the open social security tool always pushing back the date my wife should start taking SS? I'm 60, she's 65. I have a much larger PIA and can wait until 70. The tool shows this. But every time I run the tool it pushes my wife's start date out. Today it finally said for ...
by TonyDAntonio
Tue May 26, 2020 7:59 am
Forum: Personal Investments
Topic: I have no risk tolerance: where am I supposed to keep my money?
Replies: 73
Views: 6754

Re: I have no risk tolerance: where am I supposed to keep my money?

My wife has a cousin, ex military, who keeps cash, guns and precious metals in his safe. All of it!! He trusts nothing about the government or most of our institutions. My sister has her house and annuities. My bill/sil have everything tied up in CDs. My wife's uncle... CDs. These are some options i...
by TonyDAntonio
Fri Apr 24, 2020 8:08 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 42042

Re: Why international?

In 2007 I held large cap US in a 401k. My only investment. I may have had a bond fund I honestly don't know. In 2007 I got outsourced from one large company to another. I figured I better get smart about investing. I rolled the 401k into a Vanguard IRA and found the Merriman slice and dice portfolio...
by TonyDAntonio
Fri Apr 24, 2020 12:16 pm
Forum: Personal Investments
Topic: Why international?
Replies: 636
Views: 42042

Re: Why international?

Why? I ask myself this question everyday for the last 13 years, when I got 'smart' about investing. I also ask, "Why REITs?", "Why Small Cap value?".
by TonyDAntonio
Thu Apr 16, 2020 1:00 pm
Forum: Investing - Theory, News & General
Topic: That's it! Commodity ETFs is snake oil! I'm out!!!
Replies: 75
Views: 7406

Re: That's it! Commodity ETFs is snake oil! I'm out!!!

I dumped PCRIX a few years ago. I never understood it. Still don't. I bought on Larry's recommendation. Not Larry's fault. I held 10 years. It reverse split and still went down. It's still going down. Down for 12 years is no bueno for me.
by TonyDAntonio
Sat Apr 11, 2020 11:26 am
Forum: Personal Investments
Topic: Retired... 401k... Now What?
Replies: 20
Views: 2621

Re: Retired... 401k... Now What?

If doing a Roth conversion trumps performing a rollover during a potential big upward move in the market give Vanguard a call. I don't remember the details but they handled a lot of the work. It was a painless process but I seem to remember being out of the market a bit. I don't remember the exact t...
by TonyDAntonio
Thu Apr 09, 2020 10:03 am
Forum: Investing - Theory, News & General
Topic: $2.3 trillion from Fed, unemployment, etc.
Replies: 36
Views: 3017

Re: $2.3 trillion from Fed, unemployment, etc.

We cannot do this, but ... ... if we turned off a switch and everybody froze in place in a kind of suspended animation, then turned it back on in 3 months, no one would be the wiser. Their financial situation would be the same and that would go for individuals, groups, and companies. It would just ...
by TonyDAntonio
Thu Apr 09, 2020 9:55 am
Forum: Personal Investments
Topic: Retired... 401k... Now What?
Replies: 20
Views: 2621

Re: Retired... 401k... Now What?

I think I would wait until the markets are a bit calmer. I know that could take awhile but you are in no rush. I called Vanguard when I moved my first company's 401k to them. They stepped me through the entire process. I have another 401k at Fidelity and I will do the same thing eventually. (I'm bas...
by TonyDAntonio
Thu Apr 09, 2020 9:47 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 514
Views: 50555

Re: Who's buying today? where's all the "dry powder" folks at? :)

This covid market has once again shown I don't ever know and should just stick to index funds and rebalancing. In 2008 I was new to slice and dice index funds and quickly rebalanced all the way down. I was so quick I ran out of money to 'buy the bargains' and just rode everything down to 666 S&P 500...
by TonyDAntonio
Tue Apr 07, 2020 8:57 am
Forum: Investing - Theory, News & General
Topic: Was 1970s inflation a one-time thing?
Replies: 57
Views: 4151

Re: Was 1970s inflation a one-time thing?

William Bernstein in the “ages of the investor” series reviews several instances of inflation worldwide, in different circumstances, times and places. So I don’t think there is a reason to think it can’t happen again in the US (I’m not saying it will or won’t, just that I don’t see a reason it coul...
by TonyDAntonio
Sat Apr 04, 2020 1:19 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20877

Re: What are you doing for haircuts due to coronavirus shutdown?

I've been a flowbee user for 20 or more or less years. It's how I was able to retire. I've saved millions. :confused
by TonyDAntonio
Sat Apr 04, 2020 1:13 pm
Forum: Investing - Theory, News & General
Topic: Where Would We Be If [there were no stock buybacks?]
Replies: 23
Views: 1927

Re: Where Would We Be If [there were no stock buybacks?]

I think there is a massive conflict of interest with upper management deciding to do share buybacks unless they own none of the stock.
by TonyDAntonio
Sat Apr 04, 2020 1:04 pm
Forum: Investing - Theory, News & General
Topic: International stocks are undervalued!
Replies: 83
Views: 9242

Re: International stocks are undervalued!

During times of stress one can get quality companies on the cheap. Why risk with anything else. If you buy Exxon today (anyone thinking that it will go under?) Do I think Exxon will go under? I don't think their future over the next several decades is bright, that's for sure. Same here. And for me,...
by TonyDAntonio
Sat Apr 04, 2020 1:01 pm
Forum: Investing - Theory, News & General
Topic: International stocks are undervalued!
Replies: 83
Views: 9242

Re: International stocks are undervalued!

Maybe international stocks are cheap for a reason. Maybe they're irrationally priced cheaply and are a bargain. I don't know how to tell which is the case. A few thoughts aside from my usual defense that international just isn't necessary for a U.S. investor: The "value" style has always rubbed me ...
by TonyDAntonio
Fri Apr 03, 2020 9:09 am
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 19197

Re: Is the coming pain really "priced in"?

The S&P500 as a whole is behaving like Tesla stock in other words. My gut feeling was that Tesla was bound to crater and if I had traded, it would've been as a short. For some reason I still don't understand, it skyrocketed instead. What don't you understand? They succeeded beyond anyone's wildest ...
by TonyDAntonio
Fri Apr 03, 2020 12:15 am
Forum: Investing - Theory, News & General
Topic: Is the coming pain really "priced in"?
Replies: 201
Views: 19197

Re: Is the coming pain really "priced in"?

The S&P500 as a whole is behaving like Tesla stock in other words. My gut feeling was that Tesla was bound to crater and if I had traded, it would've been as a short. For some reason I still don't understand, it skyrocketed instead. What don't you understand? They succeeded beyond anyone's wildest ...
by TonyDAntonio
Thu Apr 02, 2020 3:40 pm
Forum: Personal Investments
Topic: What Individual stocks are you buying?
Replies: 123
Views: 9688

Re: What Individual stocks are you buying?

With my 'dumb' money I was going to tax loss harvest XLF (Bank ETF, bought right after Trump elected) for VFH (Vanguard's Bank ETF). I then saw how badly oil stocks were doing and decided to buy XOM instead (Exxon Mobile).

#blowmysmallbrainout
by TonyDAntonio
Tue Mar 31, 2020 4:17 pm
Forum: Personal Investments
Topic: I bought a Put option - now what?
Replies: 77
Views: 4508

Re: I bought a Put option - now what?

Can I just buy the Najarian's book and follow the smart money? :oops: Boy, this thread is hurting my head.
by TonyDAntonio
Tue Mar 31, 2020 4:07 pm
Forum: Personal Consumer Issues
Topic: Small drip from copper pipe
Replies: 46
Views: 2123

Re: Small drip from copper pipe

You can do this and it's out in the open so you can tell if you messed it up. I remodeled our master bath 5 years ago and had to do some soldering and waterproofing of the shower area. All first time stuff. I still look at the ceiling of the room below it to see if I messed it up. Take your time, wa...
by TonyDAntonio
Sat Mar 28, 2020 9:15 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting: Violation of IRS Code?!? [Economic Substance Doctrine]
Replies: 39
Views: 1705

Re: Tax Loss Harvesting: Violation of IRS Code?!? [Economic Substance Doctrine]

Proof of intent. "I just wanted my emerging markets ETF to track South Korea". Explains selling VWO and buying EEM. Prove that I did it to harvest tax losses.
by TonyDAntonio
Sat Mar 28, 2020 12:21 am
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 222
Views: 13014

Re: How are you going to use your stimulus money?

Guess I shouldn't have done such a big Roth conversion in 2019. Or filed my taxes two weeks ago. Oh well.
by TonyDAntonio
Fri Mar 27, 2020 9:16 am
Forum: Personal Investments
Topic: [What is the difference between Small-Cap Blend and Value?]
Replies: 4
Views: 189

Re: [What is the difference between Small-Cap Blend and Value?]

I hold VB and VBR (blend and value). Remnants of a Merriman portfolio. VB has killed VBR fo a long time. I think VBR has a lot of small bank stocks. Shows you the level of my investing knowledge. 🙄
by TonyDAntonio
Thu Mar 26, 2020 12:58 pm
Forum: Personal Investments
Topic: What does it mean to have X years of expenses in cash/fixed-income?
Replies: 54
Views: 2427

Re: What does it mean to have X years of expenses in cash/fixed-income?

Like many things you have to experiment and find what works for you. I have decided to have many years of cash-like investments so I don't have to sell stocks low to live on. Heck, I don't even have to spend this "cash" to live on yet due to dividend, pension and small job income. Plus, we haven't e...
by TonyDAntonio
Sun Mar 22, 2020 9:14 pm
Forum: Personal Investments
Topic: Recently retired, should I protect equity and sell?
Replies: 21
Views: 2563

Re: Recently retired, should I protect equity and sell?

I'm in a similar position. I'm not selling. In fact, if things get really bad I'll tap my emergency fund and invest in equities. I believe you are in good shape.
by TonyDAntonio
Fri Mar 20, 2020 9:21 am
Forum: Personal Investments
Topic: When to jump all in again?
Replies: 26
Views: 1680

Re: When to jump all in again?

Just DCA back into indexes and you will be much better off. Trying to pick stocks has never worked well (for me).
by TonyDAntonio
Thu Mar 19, 2020 3:45 pm
Forum: Personal Investments
Topic: VOO disconnect with S&P 500
Replies: 7
Views: 950

Re: VOO disconnect with S&P 500

Any ideas what is going on? VOO - S&P 500 ETF closed today flat (-0.02%). The S&P 500 index was up +0.47%. The dividend date for VOO was 3/10 so that is not what is affecting the price. There has been a disconnect between ETF's and mutual funds, and indexes. A couple of threads are discussing the m...
by TonyDAntonio
Tue Mar 17, 2020 6:18 pm
Forum: Investing - Theory, News & General
Topic: Tax experts
Replies: 10
Views: 644

Re: Tax experts

I have limited options with regards to withholding. But I will readjust it again given all the comments having to do with estimated payments. Still may have to do estimated payments but thanks to you all I now know that they have to be equal.
by TonyDAntonio
Tue Mar 17, 2020 1:02 pm
Forum: Investing - Theory, News & General
Topic: Tax experts
Replies: 10
Views: 644

Re: Tax experts

It looks like the timing of my payments isn't an issue as long as I pay 100% of my 2019 tax total. "Prior year safe harbor: If you use your 2019 tax bill as a barometer for your 2020 liability, you are likewise sure to be penalty-free as long as the taxes you pay are at least 100% of your 2019 bill....
by TonyDAntonio
Tue Mar 17, 2020 9:21 am
Forum: Investing - Theory, News & General
Topic: Tax experts
Replies: 10
Views: 644

Tax experts

I'm doing my Roth conversions early this year. If I end up paying my taxes equally throughout the year (via payroll deductions and maybe quarterly payments) such that I pay more in 2020 taxes than what I paid in 2019 does that override the fact that I didn't cover the all the taxes due in the first ...
by TonyDAntonio
Sat Mar 14, 2020 12:01 pm
Forum: Investing - Theory, News & General
Topic: DFA funds all down on 03/13/2020
Replies: 3
Views: 354

DFA funds all down on 03/13/2020

I have a Merriman portfolio built with a bunch of DFA funds in my IBM 401k. While my non DFA ETFs in Vanguard skyrocketed yesterday, same type of portfolio, every one of my DFA funds was significantly down. The dividend day for these funds is at the end of the month, two plus weeks out. I can't find...
by TonyDAntonio
Mon Mar 02, 2020 9:31 am
Forum: Investing - Theory, News & General
Topic: The most valuable lesson in your investment career?
Replies: 87
Views: 4758

Re: The most valuable lesson in your investment career?

If you invest in index funds you can just keep buying/rebalancing because they aren't going to zero. If you invest in individual stocks you always have to decide if they are heading to zero or just undervalued. I like the former way of investing. Very liberating.
by TonyDAntonio
Thu Feb 27, 2020 7:47 am
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 9879

Re: How Do you Exercise Indoors?

Ride my bike on an indoor trainer.
100 push ups per day on homemade push up things.
Do some strength and stretch moves on my homemade TRX strap thingy hung in the garage.

Cheap and easy.
by TonyDAntonio
Mon Feb 24, 2020 10:38 am
Forum: Personal Consumer Issues
Topic: Golfers - how often do you get new clubs?
Replies: 46
Views: 2675

Re: Golfers - how often do you get new clubs?

I'm a scratch golfer. Played in college and was a club pro for 4 years. That being said, I haven't had new clubs in 10. I found a really nice set of Hogan Apex blades about 10 years ago that I fit to myself. I'm still using my Titleist 975JV-S driver or I'll switch to to 983k. My putter is an old P...
by TonyDAntonio
Wed Feb 19, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Perform own oil change pros & cons?
Replies: 224
Views: 11355

Re: Perform own oil change pros & cons?

I do my own oil changes (and other car things) and am a woodworker. One thought always enters my head when doing these two things: boy I'm going to be pissed, now that I have money, if my car falls on me or if I cut my fingers off on the table saw because I was too cheap to 1. pay for the oil change...
by TonyDAntonio
Sun Feb 09, 2020 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fun Side Income in Retirement?
Replies: 50
Views: 4353

Re: Fun Side Income in Retirement?

Part time groundskeeper for the SF Giants. Hard work as I get older but fun especially during games.
by TonyDAntonio
Sat Feb 01, 2020 7:36 pm
Forum: Investing - Theory, News & General
Topic: Paul Merriman is my guest on this "Bogleheads on Investing" podcast
Replies: 137
Views: 10099

Re: Paul Merriman is my guest on this "Bogleheads on Investing" podcast

Paul Merriman is one of the first persons I learned from when I decided to 'get smart' about investing in 2008. I adopted his small, large, value, growth, US, exUS asset allocation and haven't changed. It's not hard. It's not complicated. It certainly hasn't returned as much had I not changed from m...
by TonyDAntonio
Sat Feb 01, 2020 11:17 am
Forum: Personal Investments
Topic: Reinvest dividends in tIRA?
Replies: 6
Views: 449

Re: Reinvest dividends in tIRA?

I have all my divs go to the settlement fund. Every quarter or so I sell an equal amount of a stock etf in taxable and buy the same stock etf in my retirement account with the div money. It's probably the same as reinvesting divs and just selling something in taxable when I need cash but it's been m...
by TonyDAntonio
Thu Jan 30, 2020 8:02 am
Forum: Personal Investments
Topic: If I want to time the market
Replies: 67
Views: 4219

Re: If I want to time the market

As the market has risen I have moved the gains into Vanguard's prime money market fund. Fwiw.
by TonyDAntonio
Tue Jan 14, 2020 12:54 pm
Forum: Investing - Theory, News & General
Topic: Fallacy of time diversification
Replies: 105
Views: 6910

Re: Fallacy of time diversification

Hello, I read that stocks do not actually get safer over time. So stocks aren't necessarily a better choice based on a long time horizon. I think I read a quote from Paul Samuelson at some point that he thought it was silly that people would not play a game if you could only bet once but would play...
by TonyDAntonio
Tue Jan 14, 2020 12:40 pm
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 70
Views: 7948

Re: What is cheap now to buy? - Ideas for the risk averse BH

I do the same. I'm just being nitpicky for no reason at all. Now that I'm in retirement I just sell the asset class that has the most money allocated to it. Implicitly, though, by doing this I'm saying that I believe that asset class is overvalued with respect to all the others I own, ie. I know so...
by TonyDAntonio
Tue Jan 14, 2020 8:54 am
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 70
Views: 7948

Re: What is cheap now to buy? - Ideas for the risk averse BH

OP, I know that I know nothing. So, I have an AA with fixed allocation to US stock Index, International Stock Index, Total bond market index and so on. I know what to buy because if the allocation is low, I buy that. It is very simple and does not require me to know anything. Please explain to me w...
by TonyDAntonio
Tue Jan 14, 2020 6:52 am
Forum: Investing - Theory, News & General
Topic: [Deleted]
Replies: 70
Views: 7948

Re: What is cheap now to buy? - Ideas for the risk averse BH

OP, I know that I know nothing. So, I have an AA with fixed allocation to US stock Index, International Stock Index, Total bond market index and so on. I know what to buy because if the allocation is low, I buy that. It is very simple and does not require me to know anything. Please explain to me w...