Search found 1149 matches

by TropikThunder
Sun Jan 20, 2019 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: How are we doing?
Replies: 9
Views: 1182

Re: How are we doing?

OP, 1) Why are you contributing to Roth 401K? You could contribute to Trad. 401K and put the tax savings into Roth IRAs. You get the best of both worlds. And, more money in your pockets. 2) You probably could qualify for tax credits if you contribute to Trad. 401K. KlangFool I want to be tax free i...
by TropikThunder
Sun Jan 20, 2019 3:00 am
Forum: Investing - Theory, News & General
Topic: What does 20% extra of portfolio allocated to equities get you?
Replies: 97
Views: 4777

Re: What does 20% extra of portfolio allocated to equities get you?

samsdad wrote:
Sat Jan 19, 2019 9:38 pm
Just got off the PM with livesoft, who’s permitted me to let juliewongferra and the rest of you know that:
Livesoft’s a duuude!!! :sharebeer

Thanks be the gods I didn’t screw that up!
That’s the take-home lesson of this thread as far as I’m concerned. :P
by TropikThunder
Sun Jan 20, 2019 12:59 am
Forum: Investing - Help with Personal Investments
Topic: PRHSX (T. Rowe Price Health Sciences Fund) vs VHT (Vanguard Health Care ETF)
Replies: 12
Views: 731

Re: PRHSX (T. Rowe Price Health Sciences Fund) vs VHT (Vanguard Health Care ETF)

The healthcare sector has outperformed in recent years, and funds tracking the healthcare sector have outperformed with it. Will it continue to outperform? No one knows. The following is a graphic representation of how various sectors have performed relative to the S&P over the years. Healthcare ou...
by TropikThunder
Sat Jan 19, 2019 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: turn over rate at 96% but fund rated 5 stars in tax efficiency?
Replies: 3
Views: 428

Re: turn over rate at 96% but fund rated 5 stars in tax efficiency?

i was looking at a fund T Rowe Price Global Stock Fund (PRGSX) and i noticed the turn over rate at 96% ,,wouldnt that mean more capital gains taxes passed on to holder?..but yet on marketwatch site it says the fund gets the highest rating for tax efficiency and rated 5 stars by morningstar,,am i re...
by TropikThunder
Sat Jan 19, 2019 8:36 pm
Forum: Investing - Theory, News & General
Topic: What does 20% extra of portfolio allocated to equities get you?
Replies: 97
Views: 4777

Re: What does 20% extra of portfolio allocated to equities get you?

We used to have this guy around here named livesoft that knew this stuff like the back of his hand. A market timer to be sure, but still knowledgeable despite that obvious failing. Miss that guy... livesoft is not a guy! livesoft is female! cheers, jwf OMG, I can’t believe I made that mistake, lol....
by TropikThunder
Fri Jan 18, 2019 10:54 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Visualizer and Vanguard Investor Tickers
Replies: 7
Views: 1725

Re: Portfolio Visualizer and Vanguard Investor Tickers

TL/DR Where does one find the ticker for a closed-to-new-investors Investor class Vanguard fund?? google "vanguard fundname investor shares" has worked for me so far. The corporate and government bond index funds didn't open until 2009 and never had investor shares, so you won't find those, period....
by TropikThunder
Fri Jan 18, 2019 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: HSA Bank: ongoing bad experience
Replies: 12
Views: 1146

Re: HSA Bank: ongoing bad experience

The excise tax on an over-contribution is 6% or $30.00. This may be a case where spending the $30 is worth avoiding all the aggravation. https://www.wageworks.com/employees/support-center/support-and-faq/healthcare/hsa/what-happens-if-i-contribute-to-my-hsa-more-than-the-maximum-annual-limit-that-t...
by TropikThunder
Fri Jan 18, 2019 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Bank Acquisition Lowering Credit Score
Replies: 6
Views: 477

Re: Bank Acquisition Lowering Credit Score

Isn't this what happens when one refinances with a different bank? The original mortgage is paid off and closed, and the new mortgage appears. Can anyone who has refinanced verify that their score was restored to its original lofty heights in a short time?
by TropikThunder
Fri Jan 18, 2019 9:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786918

Re: U.S. stocks in free fall

livesoft wrote:
Fri Jan 18, 2019 9:32 pm
Dry is in the mind of the beholder. I am constantly asked, "Where do you get the money to buy equities if you have no dry powder?" So many people do not consider a bond fund as dry powder. Maybe a bond fund is damp or wet powder?
Moist?
by TropikThunder
Fri Jan 18, 2019 9:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786918

Re: U.S. stocks in free fall

You probably didn't notice that with my strategy I never have any dry powder. I am 100% invested all the time. What's the difference in dry powder, fixed income investments and being invested in bonds. As I remember Bogle would refer to bonds as dry powder on occasion. Not to speak for anyone else,...
by TropikThunder
Fri Jan 18, 2019 9:27 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Visualizer and Vanguard Investor Tickers
Replies: 7
Views: 1725

Portfolio Visualizer and Vanguard Investor Tickers

Greetings! I know this will seem a minor trifle in the grand scheme of things, but I ran into this issue the other day when I was talking to a co-worker about John Bogle's passing. One of the topics that came up was his low opinion of Total Bond Market funds since they are heavy on Treasuries and ho...
by TropikThunder
Fri Jan 18, 2019 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Just missed a few days of gains rolling over 401K from Fidelity to Vanguard
Replies: 59
Views: 1614

Re: Just missed a few days of gains rolling over 401K from Fidelity to Vanguard

You yourself described why it was an exception that proved the rule, so I felt there was no need to beat that horse. Nope. I didn't know whether that was different or not. However, just in case it was, I made sure to mention it, so as not to be misleading. Enjoy. RM Transferring from one 403b vendo...
by TropikThunder
Fri Jan 18, 2019 1:10 am
Forum: Investing - Help with Personal Investments
Topic: Where Do HSAs Fit in Asset Location?
Replies: 48
Views: 2772

Re: Where Do HSAs Fit in Asset Location?

I have been putting my HSA entirely in bonds. My reasoning is that if my HSA account value exceeds out of pocket medical costs, then the excess will be taxed at ordinary rates, so it makes the most sense to put low-return, tax-inefficient assets in the HSA, especially since I have reason to hope th...
by TropikThunder
Thu Jan 17, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Statue of limitations on taking back unvested $ in 401K? What if value of match is now lower than original deposits?
Replies: 12
Views: 1253

Re: Statue of limitations on taking back unvested $ in 401K? What if value of match is now lower than original deposits?

I appreciate everyone's posts. I now have a better grasp of the situation. The HR department there is incompetent (nepotism at its best) but I'd better assume I might die with their money still in my account. Thanks all. You may be receiving a consolidated statement, but rest assured the employer c...
by TropikThunder
Thu Jan 17, 2019 6:46 pm
Forum: Personal Consumer Issues
Topic: Is My Iphone Now a Brick?
Replies: 27
Views: 3037

Re: Is My Iphone Now a Brick?

The carrier is Verizon and my mom's name is on the account. I can log into her Verizon account. Not to stray too far off topic, but be mindful with the account set-up. Since her name is on the Verizon account, he'll probably want to open his own account and transfer his number at some point. Best f...
by TropikThunder
Thu Jan 17, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: How long until we see negative ER funds?
Replies: 43
Views: 2913

Re: How long until we see negative ER funds?

What makes you think there isn't already a negative ER fund? VTWO (from Vanguard) & IWM (from iShares) already have negative effective ERs. The world has long since moved past ER at the truly meaningful number thanks to confounding factors like securities lending. What really matters is tracking er...
by TropikThunder
Wed Jan 16, 2019 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage: 15 vs 30 year
Replies: 56
Views: 4106

Re: Mortgage: 15 vs 30 year

Recession. It is amazing that folks forgot 2007/2009 recession easily. KlangFool recession means more people out of their own house, rental demand is getting high . I won't offer below market rent to people out of their own home. car sharing concept become house sharing. Took me a while to find wha...
by TropikThunder
Tue Jan 15, 2019 7:15 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 175
Views: 10156

Re: Are You Dumping Netflix?

They are going the route of Apple and pricing themselves out of the market. Amazon Prime Video is similar and I’m on the fence about dropping Netflix. Summit Similar if you mean they both are streaming services, but they have very little content overlap (and probably less so over time as exclusive ...
by TropikThunder
Tue Jan 15, 2019 7:12 pm
Forum: Personal Consumer Issues
Topic: Are You Dumping Netflix?
Replies: 175
Views: 10156

Re: Are You Dumping Netflix?

Netflix announced today that they will be increasing their subscription rates. The basic plan will increase 12.5% (from $7.99 to $8.99). The standard plan will increase 18.2% (from $10.99 to 12.99). The top-tier plan will increase 14.3% (from $13.99 to $15.99). We have been considering getting a fi...
by TropikThunder
Tue Jan 15, 2019 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: A co-worker makes more than me
Replies: 77
Views: 6574

Re: A co-worker makes more than me

This most likely has nothing to do,with your performance, their performance, job responsibilities or any other merit based reasons. It is most likely because they came in at a higher salary - which in turn is a result of previous job changes or performance. Sadly, loyal employees tend to always be ...
by TropikThunder
Tue Jan 15, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage: 15 vs 30 year
Replies: 56
Views: 4106

Re: Mortgage: 15 vs 30 year

Typically rent goes up when interest goes up. OP can rent out a room or so to offset the interest reset. OP also need to save the ARM savings to pay toward principle so at the interest reset, the base is lower. Recession. It is amazing that folks forgot 2007/2009 recession easily. KlangFool recessi...
by TropikThunder
Tue Jan 15, 2019 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Change my mind - Lease > Buy New Car
Replies: 23
Views: 1956

Re: Change my mind - Lease > Buy New Car

They aren't giving you a better discount off MSRP because they think they can get you to lease +1000 There is a long ongoing thread about how to buy a car by getting bids over the internet. https://www.bogleheads.org/forum/viewtopic.php?f=11&t=124638 Here is a post I did about my new car buying exp...
by TropikThunder
Mon Jan 14, 2019 2:37 am
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 58
Views: 5646

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

Plz wrote:
Sat Nov 17, 2018 3:52 am
Could a risk be that they have zero fees now but may end up raising the fee later?
I don’t think anyone on here can envision Vanguard raising the ER on a broad market index fund. I also don’t think anyone on here would be surprised if Fidelity did so.
by TropikThunder
Sat Jan 12, 2019 9:47 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3130

Re: Fidelity problems and what is substantially similar

According to portfoliovisualizer.com, the total US funds have a 1.0 correlation and the total international funds have a .99 correlation. By that measure, they seem substantially identical. Read the hundreds of discussions about "substantially identical" here on the forum - I think you'll find you'...
by TropikThunder
Sat Jan 12, 2019 8:39 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3130

Re: Fidelity Problems

Not the four in one fund, but the newer fidelity zero fee total us index and total international index funds in the IRA (the reinvestments) created wash sale problems for the total us index and total international index vanguard funds in taxable account (the TLH sales). I assume the vanguard funds ...
by TropikThunder
Sat Jan 12, 2019 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3130

Re: Fidelity problems and what is substantially similar

According to portfoliovisualizer.com, the total US funds have a 1.0 correlation and the total international funds have a .99 correlation. By that measure, they seem substantially identical. That may be true from a performance perspective, but it has nothing to do with the IRS standard for "substant...
by TropikThunder
Sat Jan 12, 2019 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 74
Views: 6740

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

Or are we okay with choosing 50 or so favorites and acting like we’re invested in “the world”? Why? Beause it’s representative of the world as a whole? Really? You don’t think there would be a corruption performance drag if we included the other 145ish countries? Any cost drag to include them? Ther...
by TropikThunder
Fri Jan 11, 2019 1:13 am
Forum: Investing - Help with Personal Investments
Topic: What are these secret vanguard index trust?
Replies: 11
Views: 1346

Re: What are these secret vanguard index trust?

You guys are awesome! Thanks for the info! CIT regulations are a little different (as mentioned by Iridium) and one difference of note is that a CIT does not distribute dividends like a regular mutual fund does. For VFIAX (Vanguard S&P500 Admiral shares), the fund collects dividends over time from ...
by TropikThunder
Thu Jan 10, 2019 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Lively HSA
Replies: 14
Views: 1268

Re: Fidelity vs. Lively HSA

Ultimately that depends on your total savings rate vs. liquid needs in the short term. Still though, my healthcare right now is pretty dang good. I pay $50 a month and have a $1000 deductible and out-of-pocket max at age 31 . I can get my balls massaged by Dr. Sanjay Gupta and have 10 different kin...
by TropikThunder
Wed Jan 09, 2019 9:33 pm
Forum: Personal Finance (Not Investing)
Topic: Is buying a $700K first home crazy?
Replies: 70
Views: 7294

Re: Is buying a $700K first home crazy?

KlangFool wrote:
Wed Jan 09, 2019 12:16 pm
I do not see what do you get out of buying a house. You could spend the money elsewhere with a lot more fun
That's not for you to say.
by TropikThunder
Wed Jan 09, 2019 9:21 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Lively HSA
Replies: 14
Views: 1268

Re: Fidelity vs. Lively HSA

Any point in saving the receipts vs the credit card transaction? Is it ultimately for the IRS in case of audit? Why even print and scan if you can take screenshots and upload to cloud? Why even bother at all, I think I'd prefer the dedicated CC route. The least BS from my point of view. I'm not pla...
by TropikThunder
Sat Jan 05, 2019 6:30 pm
Forum: Investing - Theory, News & General
Topic: If riskier than US, why doesn't international outperform?
Replies: 245
Views: 15573

Re: If riskier than US, why doesn't international outperform?

And, I’m drawing a blank on what achievements international has made that have improved my life in any great way since 1999 . Do you have any examples that you’d care to share? Please tell me you're referring to international investments and not international companies in general or other countries...
by TropikThunder
Sat Jan 05, 2019 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Does a PMI in lieu of 20% down ever make sense?
Replies: 48
Views: 2888

Re: Does a PMI in lieu of 20% down ever make sense?

PMI is you paying another entity for their insurance. i cannot see how it would ever in any situation make sense financially, as you are paying money and receiving nothing in return. It makes sense when appreciation is so.high that if you take to long to safe you can't buy, we were approaching that...
by TropikThunder
Thu Jan 03, 2019 8:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786918

Re: U.S. stocks in free fall

My stop order wasn’t triggered today. Maybe tomorrow? I wonder why more people don’t use stop orders to automate their TLH? Because when you need them the most is when they are the least likely to work. If the decline is rapid enough, there's no guarantee your order will process even as the market ...
by TropikThunder
Thu Jan 03, 2019 8:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786918

Re: U.S. stocks in free fall

My stop order wasn’t triggered today. Maybe tomorrow? I wonder why more people don’t use stop orders to automate their TLH? Because when you need them the most is when they are the least likely to work. If the decline is rapid enough, there's no guarantee your order will process even as the market ...
by TropikThunder
Thu Jan 03, 2019 6:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786918

Re: U.S. stocks in free fall

This doesn't make sense. With Mutual Funds you can exchange from one to the other (say, Total Stock -> S&P500) at the end of the day and have exactly 0 time out of the market. Does that depend on your brokerage? I cannot do that at Schwab, I need to sit out a day in cash. Does Schwab not have a but...
by TropikThunder
Wed Jan 02, 2019 10:52 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10137
Views: 1786918

Re: U.S. stocks in free fall

I've been calling the top on Apple for at least two years now. So you weren't wrong, you were just early. :P That being said, the after-hours price of their stock is just back to where it was in June, 2017. That's not too momentous yet at least. Oh, never mind, you weren't right either. :twisted: I...
by TropikThunder
Wed Jan 02, 2019 2:53 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 159
Views: 7738

Re: Should I fully fund IRA each January?

I try to lump sum my IRA and HSA since I have to DCA my 403b. Diversification. :wink:
by TropikThunder
Wed Jan 02, 2019 12:48 am
Forum: Investing - Theory, News & General
Topic: Buy ETF with IRA contribution on first trading day?
Replies: 8
Views: 560

Re: Buy ETF with IRA contribution on first trading day?

In expectation, a day will honestly make absolutely zero difference. You've really got better things to worry about. Back of envelope math: assume VTSAX earns 7% per year, so a day's delay is worth $6000 * 7% / 365 = $1.15 If you pack a lunch one more day per year that'll make a bigger difference. ...
by TropikThunder
Tue Jan 01, 2019 7:34 pm
Forum: Investing - Theory, News & General
Topic: How do "Settled Funds" work when attempting to TLH/swap ETFs?
Replies: 14
Views: 752

Re: How do "Settled Funds" work when attempting to TLH/swap ETFs?

When you buy with unsettled funds at Vanguard , there’s a pop up cautioning you about not selling the new fund before settlement of the first transaction. That may be true for VBS but it is not necessarily universal. There, I fixed it. Not sure how that’s relevant though, since I’m not saying all b...
by TropikThunder
Tue Jan 01, 2019 3:35 pm
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 159
Views: 7738

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

Elena, If you electronically link your savings to your other investment account you can get the same day price if you make an investment purchase. Hmmm.... they are all linked back and forth (to be able to pull and push). I never noticed that the RothIRA contribution worked differently than the bro...
by TropikThunder
Tue Jan 01, 2019 3:01 pm
Forum: Investing - Theory, News & General
Topic: How do "Settled Funds" work when attempting to TLH/swap ETFs?
Replies: 14
Views: 752

Re: How do "Settled Funds" work when attempting to TLH/swap ETFs?

I'm not sure what you did. More than you told us, I think. Did you get a warning about a free riding violation? Apply for margin if you're running afoul of cash account rules. I always apply for margin, even though I've never paid a penny in margin interest. When you buy with unsettled funds, there...
by TropikThunder
Tue Jan 01, 2019 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Sell ETF, buy Vanguard mutual fund on same day
Replies: 14
Views: 1135

Re: Sell ETF, buy Vanguard mutual fund on same day

Being risk-averse, I don't like to rely on my broker being nice to me. I personally would either apply for margin or follow the actual rules. To limit the risk of being out of the market on a day it goes up 5% in the later scenario, I'd spread my transactions out over time. It’s not “against the ru...
by TropikThunder
Tue Jan 01, 2019 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Sell ETF, buy Vanguard mutual fund on same day
Replies: 14
Views: 1135

Re: Sell ETF, buy Vanguard mutual fund on same day

This gets asked a lot, often in TLH threads. I figured I would link a recent one rather than having people write their responses again: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=268025 Thank you. But they are talking about selling ETFs and buying ETFs, whereas I want to sell ETF and buy...
by TropikThunder
Tue Jan 01, 2019 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Sell ETF, buy Vanguard mutual fund on same day
Replies: 14
Views: 1135

Re: Sell ETF, buy Vanguard mutual fund on same day

This gets asked a lot, often in TLH threads. I figured I would link a recent one rather than having people write their responses again:

viewtopic.php?f=10&t=268025
by TropikThunder
Sun Dec 30, 2018 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Make Jan 2019 mortgage payment by 12/31 or not?
Replies: 8
Views: 682

Re: Make Jan 2019 mortgage payment by 12/31 or not?

OP, according to your post back in June, you had a $202k balance on your mortgage at 4.25%. Are you sure you will be itemizing? That's not all that much interest paid with the higher standard deductions now and our property taxes aren't too high in WA. I kind of doubt you will be itemizing, and it ...
by TropikThunder
Sun Dec 30, 2018 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: HSA limit for a family of three, one going on Medicare?
Replies: 6
Views: 302

Re: HSA limit for a family of three, one going on Medicare?

I have been contributing to HSA the maximum amount for a family of three for many years. However, I will be going on Medicare in October this year. Will this reduce our family contribution for 2018? If so what are the rules to calculate the maximum contribution? As long as an HSA-eligible HDHP plan...
by TropikThunder
Sat Dec 29, 2018 6:03 pm
Forum: Investing - Theory, News & General
Topic: How do "Settled Funds" work when attempting to TLH/swap ETFs?
Replies: 14
Views: 752

Re: How do "Settled Funds" work when attempting to TLH/swap ETFs?

Can I use the proceeds from the sell of S&P 500 to immediately buy Total Stock Market, or do I need to transfer $1,000 into the cash portion of the account first in order to correctly perform the swap? I am not sure what the "processing time" is after you execute a Sell. At least at Vanguard and TD...
by TropikThunder
Fri Dec 28, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Why do people buy- performance cars?
Replies: 67
Views: 2368

Re: Why do people buy- performance cars?

AgentOrange wrote:
Fri Dec 28, 2018 5:32 pm
I'm buying mine to compensate for my lack of sexual endowment.
No, that's what trucks are for. :twisted:
by TropikThunder
Mon Dec 24, 2018 2:45 am
Forum: Investing - Theory, News & General
Topic: Missing 12/21/2018 Bond Dividends Delayed
Replies: 43
Views: 4443

Re: Anyone Else Missing 12/21/2018 Bond Dividends?

And they say Vanguard customer service is lacking. Anyone ever see a Fidelity rep come on here and answer a question? :twisted: