Search found 55 matches

by Messy_Orchid_51
Sun Sep 09, 2018 11:03 pm
Forum: Personal Consumer Issues
Topic: Subaru: Crosstrek or Outback?
Replies: 55
Views: 3579

Re: Subaru: Crosstrek or Outback?

Vote for the Outback here. I have a 2016 Outback 2.5 premium. This is the most practical car one can buy. Tons of space, AWD, good ground clearance and value. The Crosstrek is ok for what it is but it is a compromise. The Outback is more of the same thing only better. I would not settle. Most notabl...
by Messy_Orchid_51
Sat Sep 08, 2018 2:50 pm
Forum: Investing - Help with Personal Investments
Topic: Is "buying the dividend" relevant in this case?
Replies: 4
Views: 389

Re: Is "buying the dividend" relevant in this case?

Does anyone know a way to figure out the date and amount of a dividend? That would make things a bit easier when deciding whether to wait a few weeks or not.
by Messy_Orchid_51
Sat Sep 08, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is "buying the dividend" relevant in this case?
Replies: 4
Views: 389

Re: Is "buying the dividend" relevant in this case?

Thanks livesoft.

I already tax lost harvested VTIAX-->VFWAX in July and just (re)taxed loss harvested VFWAX-->VTIAX in September so things are back to neutral now.
by Messy_Orchid_51
Sat Sep 08, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Is "buying the dividend" relevant in this case?
Replies: 4
Views: 389

Is "buying the dividend" relevant in this case?

Hello, I own shares of Vanguard Total International Index Fund Admiral (VTIAX) in a Taxable Account. The fund has decreased in value and I have some cash to possibly allocate in order to retain asset allocation (not technically outside of re-balancing bands but a few percent off target and the money...
by Messy_Orchid_51
Wed Aug 15, 2018 10:21 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to tax loss harvest and fail?
Replies: 12
Views: 1057

Re: Anyone try to tax loss harvest and fail?

Ah ha! What AlohaJoe said about checking an equivalent ETF makes sense. Thanks
by Messy_Orchid_51
Wed Aug 15, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to tax loss harvest and fail?
Replies: 12
Views: 1057

Re: Anyone try to tax loss harvest and fail?

I don't really know how to see what the market is doing during a given day of trading and tend to execute my (very infrequent) transactions after hours which always gets me the next days closing price. True, an unexpected gain following a significant loss would be nice for both the fund and the TLH ...
by Messy_Orchid_51
Wed Aug 15, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to tax loss harvest and fail?
Replies: 12
Views: 1057

Anyone try to tax loss harvest and fail?

As I understand, when you buy, sell or exchange mutual funds you will get the closing price of that day or if the order is put in after 4pm EST, the next business days closing price. Has anyone tried to tax loss harvest (TLH) relatively small amounts and had the fund close at the end of the day or t...
by Messy_Orchid_51
Thu Jul 26, 2018 1:56 am
Forum: Personal Consumer Issues
Topic: Home Theater vs. Soundbar
Replies: 67
Views: 5803

Re: Home Theater vs. Soundbar

Soundbars are great! I traded all of the wires and clutter of 5.1 for one a few years ago. A few thoughts.. -buy one that comes with a sub-woofer, it will require a dedicated power outlet but it essential to make the soundbar idea work -buy one that has the capability to do surround sound, not just ...
by Messy_Orchid_51
Fri Jun 29, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Lots-Tax Lost Harvesting Question
Replies: 10
Views: 840

Re: Individual Lots-Tax Lost Harvesting Question

Those shares are at a slight loss. Nothing worth wading through the waters of a wash sale for tax filing. Sell them. No wash sale and it is an act of simplifying. Indeed, not selling them complicates things even more, so sell them. Apologies. You'll have to spell it out for me. Would the following ...
by Messy_Orchid_51
Thu Jun 28, 2018 11:20 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Lots-Tax Lost Harvesting Question
Replies: 10
Views: 840

Re: Individual Lots-Tax Lost Harvesting Question

Nope that’s how it usually goes. I just did the same thing with my ETF equivalents. Dividend was just paid for this fund so you are in the clear, but if you use automatic reinvestment you should be cognizant so you can avoid that wash sale by taking it as cash/settlement account. Wait a second..I u...
by Messy_Orchid_51
Thu Jun 28, 2018 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Lots-Tax Lost Harvesting Question
Replies: 10
Views: 840

Re: Individual Lots-Tax Lost Harvesting Question

Nope that’s how it usually goes. I just did the same thing with my ETF equivalents. Dividend was just paid for this fund so you are in the clear, but if you use automatic reinvestment you should be cognizant so you can avoid that wash sale by taking it as cash/settlement account. Wait a second..I u...
by Messy_Orchid_51
Thu Jun 28, 2018 12:03 am
Forum: Investing - Help with Personal Investments
Topic: Individual Lots-Tax Lost Harvesting Question
Replies: 10
Views: 840

Re: Individual Lots-Tax Lost Harvesting Question

Thanks. I have the dividends set to funnel into Prime Money Market VMMXX and not be reinvested so that should work out.
by Messy_Orchid_51
Wed Jun 27, 2018 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: What is your debt interest rate threshold?
Replies: 57
Views: 3679

Re: What is your debt interest rate threshold?

I'm in debt. Mortgage @ 3.25% Student Loan @ 1.6% DW Student Loans @ 3.61%, 4.41%, 4.04%, and 5.06% Car @ 1.65% My question is... at what interest rate do people feel its more worthwhile to invest rather than pay down the debt? When does the opportunity cost outweigh the loan fee? As a starting poi...
by Messy_Orchid_51
Wed Jun 27, 2018 11:21 pm
Forum: Investing - Help with Personal Investments
Topic: Individual Lots-Tax Lost Harvesting Question
Replies: 10
Views: 840

Individual Lots-Tax Lost Harvesting Question

Hello, Quick question. Are there any complications with tax loss harvesting (TLH) only a few lots to a similar but not substantially identical fund (TLH partner)? I want to TLH about 6 individual lots of VTIAX (vanguard total international) that are down about 1k combined. The other lots I have held...
by Messy_Orchid_51
Tue Jun 26, 2018 10:04 pm
Forum: Personal Consumer Issues
Topic: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?
Replies: 98
Views: 6520

Re: Buying a truck - Honda Ridgeline vs Chevrolet Silverado 1500?

For what you are describing - 20 wooded acres, gravel and livestock I say Ford F series. Best selling pickup since 1977 and it's no coincidence. Body-on-frame construction is superior to unibody for any truck-like task. Plus the new EcoBoost motor is awesome and some serious weight reduction with st...
by Messy_Orchid_51
Mon Jun 25, 2018 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the tax consequences of selling a home
Replies: 6
Views: 953

Re: Help me understand the tax consequences of selling a home

Also, now that you mention it. Where do commissions and fees fall into the grand scheme of things? Would they eat into the 100k profit of the sale before LTCG taxes or would I have to pay them with outside money?
by Messy_Orchid_51
Mon Jun 25, 2018 11:49 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the tax consequences of selling a home
Replies: 6
Views: 953

Re: Help me understand the tax consequences of selling a home

Thanks. Another thought. Would the long-term capital gains I experience raise my MAGI? I contributed to a Roth IRA for 2018 but with a jump in income from the sale of a home I'm afraid my contribution would be disallowed based on the income limitations. Could always wait until 2019 I suppose or rech...
by Messy_Orchid_51
Mon Jun 25, 2018 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Buying new home while selling current one Qs
Replies: 35
Views: 2774

Re: Buying new home while selling current one Qs

Someone may have already mentioned this but if your condo is in a sellers market, you might be able to negotiate a 'rent-back' period. I know some friends who sold their townhome but negotiated a rent-back period of 2 months so they had the cash to shop and throw down on a new place. I suppose there...
by Messy_Orchid_51
Mon Jun 25, 2018 11:27 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand the tax consequences of selling a home
Replies: 6
Views: 953

Help me understand the tax consequences of selling a home

Hello, I'm younger and am looking at maybe selling my first home which has been a primary residence for >5 years now. The area has increased in value dramatically and I'm probably sitting on a significant gain which is great but I'm inexperienced with how to handle this. Looking through other posts ...
by Messy_Orchid_51
Sun Jun 24, 2018 12:59 am
Forum: Personal Consumer Issues
Topic: Cheap simple tablets?
Replies: 28
Views: 2849

Re: Cheap simple tablets?

I would strongly suggest a google chromebook of some variety.
by Messy_Orchid_51
Sun Jun 24, 2018 12:53 am
Forum: Personal Consumer Issues
Topic: Costco tire - Michelin vs Bridgestone
Replies: 44
Views: 23780

Re: Costco tire - Michelin vs Bridgestone

In my opinion Michelin’s are better than Bridgestone in terms of quality and durability. I am rocking Bridgestones on my Subaru because they are OEM but once I hit 60k ish and they wear thin I plan on switching to an equivalent Michelin. Costco is a great place to buy. They alternate deals for both ...
by Messy_Orchid_51
Sun Jun 24, 2018 12:33 am
Forum: Personal Consumer Issues
Topic: Front load washer gross moldy gasket
Replies: 38
Views: 3780

Re: Front load washer gross moldy gasket

This is a known problem with front loaders. I have an LG front load washer that had a similar grimy issue and damp smell. What I did was a deep clean which the manual says to do once monthly for maintenance. 1. Wipe down door seals and door glass after each use, never shut the door entirely always l...
by Messy_Orchid_51
Thu Jun 21, 2018 10:48 am
Forum: Investing - Help with Personal Investments
Topic: How do you decide when to break a CD?
Replies: 7
Views: 742

Re: How do you decide when to break a CD?

You are correct and the calculation takes remaining duration into the equation when determining the break point. For example a 5-year CD with 10k at 2.05% with 36 months left until maturity vs a 5-year CD with 10k new issue at 2.65%. If you break this will leave you with about $96 more at the end of...
by Messy_Orchid_51
Thu Jun 21, 2018 10:17 am
Forum: Investing - Help with Personal Investments
Topic: How do you decide when to break a CD?
Replies: 7
Views: 742

Re: How do you decide when to break a CD?

The calculator I use is from DepositAccounts. https://www.depositaccounts.com/tools/break-cd-calculator.aspx I guess the question boils down to would you rather have five 5 year CDs always breaking and resetting maturity date to get the prevailing rate or a 5 year ladder with a slightly lower combin...
by Messy_Orchid_51
Wed Jun 20, 2018 11:28 pm
Forum: Investing - Help with Personal Investments
Topic: How do you decide when to break a CD?
Replies: 7
Views: 742

How do you decide when to break a CD?

There are numerous calculators that can tell you when breaking a CD will net you more money. I have a 5-year CD ladder the purpose of which is to serve as an emergency fund. With recent rate hikes the calculator is saying I should break 4 of the 5 CDs but of course if I do that I lose the primary ad...
by Messy_Orchid_51
Sun May 20, 2018 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 26
Views: 3928

Re: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%

Thanks Kevin! Appreciate all of your posts. My tax equivalent yield for Vanguard Municipal Money Market (VMSXX) at an income tax level of 22% in 2018 and living in an income tax free state would be 1.75% so the Prime MM is a better deal at 1.86%, at least for now. Interesting, I did not know funds t...
by Messy_Orchid_51
Sun May 20, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 26
Views: 3928

Re: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%

Thanks for the input everybody. I decided to go ahead any make the changes to VMMXX. There was a bit of debate about the ER but it looks like this is taken into account for the SEC yield so worse case I'm ahead about $30 if I do nothing else. A good thought was to use an FDIC savings account at ~2% ...
by Messy_Orchid_51
Wed May 16, 2018 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 26
Views: 3928

Re: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%

reallyconfused wrote:
Wed May 16, 2018 11:49 pm
Wouldn't your return be less than the Ally 1.75% CD after they deduct the expense ratio?

From what I gather the 1.87% is after the expense ratio but correct me if I am wrong here?
by Messy_Orchid_51
Wed May 16, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 26
Views: 3928

Ally No Penalty CD @1.75% vs VMMXX @ 1.87%

Hello, Quick question.. Would you transfer 25k from an Ally No Penalty CD @1.75% to Vanguard Prime Money Market VMMXX @ 1.87%. Obviously the rate is higher at Vanguard. From what I gather VMMXX is not FDIC insured but it is incredibly difficult to lose the value of each dollar there. My general rule...
by Messy_Orchid_51
Thu Sep 21, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 13739

Re: VG wants everyone to transfer to a brokerage account?

Hmm glad to see others facing the same dilemma.

What is the fundamental difference between the retirement account I have and a brokerage account?

There must be some disparity otherwise no reason for the conversion.
by Messy_Orchid_51
Thu Sep 21, 2017 9:38 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 13739

Email from Vanguard (transitioning to brokerage account)

Vanguard emailed me the statement below. Did anyone else get something like this? Any reason to keep my accounts as is vs allow them to transition? Thanks for the infinite collective wisdom! ________________________________________________ You'll soon receive an email from us asking you to transitio...
by Messy_Orchid_51
Fri Sep 15, 2017 1:22 am
Forum: Personal Consumer Issues
Topic: Can not decide between washing machines
Replies: 47
Views: 3746

Re: Can not decide between washing machines

I replaced an older stack with LG front loading washer and dryer. They have performed well over the past 4 years. Front loading washers do require some extra attention. Water will collect in the door seal and promote mold growth if you fail to wipe down after each use and run a monthly cleaning cycle.
by Messy_Orchid_51
Fri Sep 15, 2017 1:14 am
Forum: Personal Consumer Issues
Topic: Companies/Brands You Love?
Replies: 157
Views: 13558

Re: Companies/Brands You Love?

A bit of Pacific Northwest Bias but..

Alaska Airlines
Amazon
Costco
La Croix
REI
Subaru
Verizon
by Messy_Orchid_51
Fri Sep 15, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: Verify credit freeze is active?
Replies: 18
Views: 2201

Re: Verify credit freeze is active?

You can also ask one of your credit cards for a bump in your credit limit. You'll get a letter back that says they couldn't access your credit file. They'll tell you which credit bureau they use and ask you to temporarily unfreeze. _____ I have requested and been granted an increase in credit limit...
by Messy_Orchid_51
Fri Sep 15, 2017 12:40 am
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 32629

Re: Iphone X is $1000

My 2 cents on facial ID and fingerprint ID.. One serious concern with FaceID and any biometric security enabled device is that once the device is compromised there is no way to ever recover the security. Biometric data is not modifiable. You can't change your face or fingerprint (o.k, extreme surger...
by Messy_Orchid_51
Mon Jul 31, 2017 4:43 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone know about XSAFA?? Forced 401k switch
Replies: 11
Views: 1297

Re: Anyone know about XSAFA?? Forced 401k switch

If the change occurred without your request, the short term bond fund is likely disappearing from your 401k and the stable value fund is the closest substitute. Stable value funds can indeed be a "black box". This lack of transparency is not unusual. You may not know what is going on, but they do s...
by Messy_Orchid_51
Mon Jul 31, 2017 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone know about XSAFA?? Forced 401k switch
Replies: 11
Views: 1297

Re: Anyone know about XSAFA?? Forced 401k switch

I called and chatted with a very nice representative. The information is buried on their website under Plan and Participant Information.. FIXED RETURN INVESTMENTS Name:The Standard Stable Asset A/Cash Return: 2.35% Term: 90 Days The rate of return on 06/30/17 was 2.35%. This rate is fixed for 90 day...
by Messy_Orchid_51
Thu Jul 27, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: If you were under 30 and had $3000 to invest, what would you do?
Replies: 14
Views: 1663

Re: If you were under 30 and had $3000 to invest, what would you do?

Another thought.. Vanguard Target Retirement 2055 Fund (VFFVX). It is comprised of 4 Vanguard funds providing broad coverage, 90% stock/10% bond with a low minimum investment and reasonable fees. 1 Vanguard Total Stock Market Index Fund Investor Shares 54.0% 2 Vanguard Total International Stock Inde...
by Messy_Orchid_51
Wed Jul 26, 2017 11:51 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone know about XSAFA?? Forced 401k switch
Replies: 11
Views: 1297

Re: Anyone know about XSAFA?? Forced 401k switch

Thanks! Interesting.. I still would like to know if there is an expense ratio and what the guaranteed rate of return is. The only composition of the fund I can find listed has 0% GICs, 0% cash and 100% "other". Whatever that means? Not sure if this is a fair approximation of the VFSUX I held prior....
by Messy_Orchid_51
Wed Jul 26, 2017 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone know about XSAFA?? Forced 401k switch
Replies: 11
Views: 1297

Re: Anyone know about XSAFA?? Forced 401k switch

Thanks! Interesting.. I still would like to know if there is an expense ratio and what the guaranteed rate of return is. The only composition of the fund I can find listed has 0% GICs, 0% cash and 100% "other". Whatever that means? Not sure if this is a fair approximation of the VFSUX I held prior..
by Messy_Orchid_51
Wed Jul 26, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone know about XSAFA?? Forced 401k switch
Replies: 11
Views: 1297

Anyone know about XSAFA?? Forced 401k switch

I recently held Vanguard Short Term Investment Grade Admiral (VFSUX) ER =0.1 as my bond holding in the 401k and was very happy with that. My 401k plan mailed me a letter today saying they had converted all shares of VFSUX into a new fund called The Standard Stable Asset A. Aside from being disappoin...
by Messy_Orchid_51
Tue Apr 18, 2017 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX Versus VFIAX
Replies: 3
Views: 1951

Re: VTSAX Versus VFIAX

I think I read something where the top 10 largest funds in the S&P 500 account for a disproportionate sway of the whole index.

Sure, the total market has more companies but the with the nature of cap weighting and large, established business I suspect it's a toss up..
by Messy_Orchid_51
Tue Apr 18, 2017 10:45 pm
Forum: Investing - Theory, News & General
Topic: Real_Estate_Crowd_Funding
Replies: 13
Views: 1830

Re: Real_Estate_Crowd_Funding

Thanks White Coat Investor! Which platforms do you prefer? On the face they looks better than a say, P2P lending for personal loans where there is no recourse for defaulting (maybe with real estate you could have a lien on the property per-say?) I'm looking at deploying 4 to low 5 digit cash current...
by Messy_Orchid_51
Tue Apr 18, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: Real_Estate_Crowd_Funding
Replies: 13
Views: 1830

Real_Estate_Crowd_Funding

I heard an interesting Podcast about alternative investments including real estate crowdfunding and am curious if anyone has any experience or insight into this world? They mentioned various platforms such as GroundFloor, RealtyShares, RealtyMogul and Funding Circle etc. I'm intrigued with the idea ...
by Messy_Orchid_51
Wed Jan 04, 2017 6:53 pm
Forum: Investing - Theory, News & General
Topic: PenFed_Raises_CD_rates
Replies: 4
Views: 1614

PenFed_Raises_CD_rates

Saw this earlier today.. Term Dividend Rate APY 6 Month 0.85% 0.85%** 1 Year 1.35% 1.36% 15 Month 1.40% 1.41% 2 Year 1.50% 1.51% 3 Year 1.70% 1.71% 4-Year 1.85% 1.87% 5 Year 2.25% 2.28% 7 Year 2.35% 2.38% They have an interesting early withdrawal penalty. 2) Certificates Having a Term Greater Than S...
by Messy_Orchid_51
Wed Dec 21, 2016 10:33 am
Forum: Investing - Theory, News & General
Topic: Noob_bond_questions
Replies: 3
Views: 508

Re: Noob_bond_questions

I have an IPS. It says 75/15/10 stocks/bonds/REIT (which I consider stock) but I can adjust it each year as I get older or married or have kids etc. I'm up for evaluating adjustment. Maybe a bad IPS but they do need to be flexible. No?
by Messy_Orchid_51
Wed Dec 21, 2016 10:18 am
Forum: Investing - Theory, News & General
Topic: Noob_bond_questions
Replies: 3
Views: 508

Noob_bond_questions

Hello. Maybe a noob question but... I've seen the value of my stock index fund rise and bond index fund drop lately, approaching my rebalancing band. I understand rising interest rates will depress the value of existing bonds because who wants to pay $100 for a 2% bond when they could pay $100 for a...
by Messy_Orchid_51
Tue Aug 09, 2016 1:40 am
Forum: Investing - Help with Personal Investments
Topic: Calling all real estate gurus [condo rent vs sell]
Replies: 7
Views: 971

Re: Calling all real estate gurus [condo rent vs sell]

One thing to consider is the current state of the real estate market in the area - growth prospect, is it at the highest prices in the past few years, low inventory, slowing down, still lower than the peak from last decade, etc... How much did you pay for it I.e. Do you have a significant gain alre...
by Messy_Orchid_51
Tue Aug 09, 2016 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Calling all real estate gurus [condo rent vs sell]
Replies: 7
Views: 971

Calling all real estate gurus [condo rent vs sell]

Hello Everyone, Seems like a commonly ask question but each circumstance is different so I'll give you my scenario..There comes a time when one buys a new house and the decision to either rent or sell the previous domicile comes into question. Thanks in advance, I really appreciate the help this com...
by Messy_Orchid_51
Mon Aug 08, 2016 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on VFSUX Vanguard Short Term Investment Grade Adm
Replies: 14
Views: 3401

Re: Thoughts on VFSUX Vanguard Short Term Investment Grade Adm

Both are good. - Vanguard Short Term Investment Grade Adm (VFSUX) - Metropolitan West Total Return Bond (MWTIX) Both are good funds, but there is no need to go 50/50 here and we have no idea what the rest of your portfolio looks like, so, just pick the one you like, and good luck with your investme...