Search found 2554 matches

by mega317
Sat Jan 19, 2019 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Going from 100-0 to 90-10 with bonds in taxable account
Replies: 15
Views: 1006

Re: Going from 100-0 to 90-10 with bonds in taxable account

IMO 90/10 has no effect for your risk tolerance. In this recent 20ish% drop would you have felt significantly different if it was 18%? In a big 50% crash will you be happy losing 45% of everything you have? If you really want to make a difference in my opinion you need to go much higher than 10% in ...
by mega317
Sat Jan 19, 2019 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Help w/ asset allocation across accounts
Replies: 5
Views: 404

Re: Help w/ asset allocation across accounts

I don't know anything about the fund but 0.4 for the bond fund is fine. Just use that. Or simplify your desires to include 49% US. Though that's a temp solution with your contribution rates.
by mega317
Wed Jan 16, 2019 12:11 am
Forum: Investing - Theory, News & General
Topic: New to forum, first post: Bond Fund Question
Replies: 7
Views: 574

Re: New to forum, first post: Bond Fund Question

Welcome to the forum. I cannot seem to forsee a smart way to re-invest in bonds other than to invest in a diverse set of individual bonds rather than bond funds . By buying and holding individual bonds I can essentially have the ability to control my future investment returns for this part of my por...
by mega317
Tue Jan 15, 2019 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: UTMA account - VTSMX vs. FZROX
Replies: 8
Views: 731

Re: UTMA account - VTSMX vs. FZROX

Yes you can buy stocks
by mega317
Mon Jan 14, 2019 12:41 am
Forum: Personal Finance (Not Investing)
Topic: What deductible for Comprehensive and Collision Insurance?
Replies: 34
Views: 1518

Re: What deductible for Comprehensive and Collision Insurance?

Please explain this. My understanding is that neither comp nor collision deductibles, which is the subject of this thread, have any impact on " If you seriously injure someone ". Sorry I was being tangential to raise a point that is more important for people with money. But I wasn't at all clear ab...
by mega317
Mon Jan 14, 2019 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 42
Views: 2320

Re: Tax filing software

livesoft wrote:
Sun Jan 13, 2019 9:12 pm
If you do your taxes by hand without the help of tax prep software, why do you do it that way?
To actually answer your question, don't know if you wanted an answer, I don't. But OP started a whole thread over 40 dollars so I thought I'd mention a doable option.
by mega317
Sun Jan 13, 2019 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 42
Views: 2320

Re: Tax filing software

livesoft wrote:
Sun Jan 13, 2019 1:42 pm
I wouldn't want to do my tax return by hand for 2018.
I’m curious why not?
by mega317
Sun Jan 13, 2019 1:12 pm
Forum: Investing - Theory, News & General
Topic: Favorite investing/personal finance Audiobooks?
Replies: 7
Views: 449

Re: Favorite investing/personal finance Audiobooks?

This isn’t a particularly helpful answer but I find finance books tough on audio because there are a lot of numbers and charts.

What are you going to do on your commute without audible?
by mega317
Sun Jan 13, 2019 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: What deductible for Comprehensive and Collision Insurance?
Replies: 34
Views: 1518

Re: What deductible for Comprehensive and Collision Insurance?

We carried $1k deductibles on both collision and comprehensive insurance for many years, but when I compared the premiums with our insurer for $500 and $1k deductibles, we'd have to go quite a while with no claims for the $1k deductible to come out ahead. Once our home and current vehicle are both ...
by mega317
Sun Jan 13, 2019 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: PLEASE help me chose between two horrible 403 b employer options
Replies: 7
Views: 341

Re: PLEASE help me chose between two horrible 403 b employer options

Remember all you need to make a work plan usable or even great is one good fund. Even if there are 50 horrible funds.
by mega317
Sun Jan 13, 2019 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing software
Replies: 42
Views: 2320

Re: Tax filing software

IMO you could do this by hand if you want. Back in the day it would have been the 1040 and schedules A, B, and D. Now that they chopped the 1040 up you’ll have a few more I think. So the question is, is it worth 40 bucks to you to save the time needed to read all the instructions which you should do...
by mega317
Mon Jan 07, 2019 2:41 pm
Forum: Investing - Theory, News & General
Topic: Reasons to own Vanguard ETFs over Admiral shares?
Replies: 66
Views: 4504

Re: Reasons to own Vanguard ETFs over Admiral shares?

In other words, I've never seen anyone who posted "What am I missing?" to ever change their mind. I imagine we see a biased sample. Some continue posting to argue, those that change their mind might be less likely to admit "defeat" and instead just stop posting. I do think there are a few "thanks" ...
by mega317
Tue Jan 01, 2019 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Best place to keep track of market
Replies: 24
Views: 1682

Re: Best place to keep track of market

I find that text messages from my non-Boglehead friends suffice. My brother sent a message in ALL CAPS about amazon or something and I figured I should log in to Vanguard for a TLH opportunity at some point before the end of the month.
by mega317
Tue Jan 01, 2019 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Orphaned Roth IRA
Replies: 19
Views: 1361

Re: Orphaned Roth IRA

Let's imagine that this Roth IRA was invested in some or all components of a 3 fund portfolio and for some reason the investments couldn't be changed. Would you put 35k from a different account into something non-conventional? IMO the location and history of this money is not relevant to your questi...
by mega317
Fri Nov 23, 2018 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting
Replies: 31
Views: 2941

Re: Tax Gain Harvesting

No wash rules for gains
by mega317
Fri Nov 23, 2018 12:15 am
Forum: Personal Consumer Issues
Topic: Need A Chromebook Recommendation
Replies: 16
Views: 1383

Re: Need A Chromebook Recommendation

I had the Asus c302ca for a couple weeks. I loved it but for one issue--the space bar was incredibly inconsistent when pressed away from the middle which is where I tend to rest my thumb. I couldn't adjust and an online search seemed to show that is a common problem so I took it back. I'm on Day 2 o...
by mega317
Mon Oct 29, 2018 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer - gut check
Replies: 54
Views: 7158

Re: First time home buyer - gut check

We are putting 20% down and paying for closing costs. After that, we will have $40k liquid reserves as an emergency fund. Additional $300k in retirement accounts not counting the $40k. Like, all of your savings that's not in retirement accounts is down payment + 40k? That doesn't leave much for fur...
by mega317
Sun Sep 09, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Recommendations on taxable account
Replies: 11
Views: 1549

Re: Recommendations on taxable account

Is this taxable account going to be mostly spent on your upcoming expenses? If so those options might even be too aggressive. If I was buying a house and paying for a wedding within 5 years I'd be saving, not investing.
by mega317
Sun Sep 09, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 78
Views: 8149

Re: Wash sale question- are ITOT and VTI Substantially Identical?

That's fair. I suppose my point also includes the fact (or at least my belief) that words typed by internet strangers are unlikely to change someone's comfort level with some risk that they believe exists, regardless of evidence. I don't know anthropology literature but I can think of one or two clo...
by mega317
Sun Sep 09, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 78
Views: 8149

Re: Wash sale question- are ITOT and VTI Substantially Identical?

To be fair/clear I don't think people are making up "rules" so much as determining what level of avoidance makes them comfortable. I might feel comfortable not giving Bigfoot a moment's consideration while someone else might avoid going more than x miles deep into the woods and another might avoid t...
by mega317
Wed Sep 05, 2018 6:28 am
Forum: Investing - Help with Personal Investments
Topic: Is it worth it to place 'limit orders' to buy particularly the more volatile ETFs?
Replies: 24
Views: 1119

Re: Is it worth it to place 'limit orders' to buy particularly the more volatile ETFs?

OP you are wrong. I offer two pieces of evidence. One is circumstantial: no one has "figured out" this strategy before. If it was viable everyone would do it and it would no longer be. As for the other, look at a long term stock chart. The trend is clearly up. I suppose I can't say the probability o...
by mega317
Wed Sep 05, 2018 2:20 am
Forum: Investing - Help with Personal Investments
Topic: 401k Total Market + bond instead of 3-fund portfolio?
Replies: 2
Views: 385

Re: 401k Total Market + bond instead of 3-fund portfolio?

Another reason might be that you already have your portfolio set to way you want it.
by mega317
Wed Sep 05, 2018 12:22 am
Forum: Personal Finance (Not Investing)
Topic: Obtaining records from old prior accts
Replies: 5
Views: 642

Re: Obtaining records from old prior accts

I can just give you my own experience. I had a Roth with Wells Fargo for a while. A year after it was closed I wanted the records of my contributions. One of the phone reps literally laughed at me.

It's possible your records don't physically (also electronically) exist anymore.
by mega317
Wed Sep 05, 2018 12:16 am
Forum: Personal Finance (Not Investing)
Topic: 2018 tax - filling marginal tax rate with Roth
Replies: 5
Views: 687

Re: 2018 tax - filling marginal tax rate with Roth

The standard deduction is 24k so you're already working with inaccurate data. Have you plugged all your numbers into the 1040 spreadsheet you have surely created? But I think you have the principle correct.
by mega317
Wed Sep 05, 2018 12:11 am
Forum: Investing - Help with Personal Investments
Topic: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)
Replies: 23
Views: 6687

Re: VSUXX vs VMMXX vs VMFXX vs Money Market (FDIC insured)

Individual treasuries would also work. What's the money for? You could ladder them to have some mature periodically, and they are also quite liquid.
by mega317
Wed Sep 05, 2018 12:07 am
Forum: Investing - Help with Personal Investments
Topic: Best Vanguard fund for stability
Replies: 13
Views: 1670

Re: Best Vanguard fund for stability

"Best" depends heavily on what you mean by stability and what you're trying to do. If you don't want to lose money at any time you need a money market fund. The other two you mention have stocks. I assume this is what you want if only for a year or two. If you just want less volatility than 2045 you...
by mega317
Tue Sep 04, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: How to "waste" money on groceries?
Replies: 109
Views: 9948

Re: How to "waste" money on groceries?

Bottled water. I was just getting ready to type this. We buy those huge jugs that are intended to sit on a dispenser, but in our case they just sit in the garage and we pour into smaller containers for the fridge. At least we don't buy those little individual bottles. My wife won't touch tap water-...
by mega317
Sun Sep 02, 2018 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Reducing expense ratios and simplifying... perhaps with a single fund.
Replies: 11
Views: 1107

Re: Reducing expense ratios and simplifying... perhaps with a single fund.

You don't have to worry that survivorship bias with a total market index fund, you are just owning the stock market. Anything that would "kill off" that fund would also crater just about any others investment you might have chosen in its place.
by mega317
Sun Sep 02, 2018 8:31 am
Forum: Investing - Theory, News & General
Topic: Investing for nieces/nephew outside of 529
Replies: 11
Views: 1080

Re: Investing for nieces/nephew outside of 529

What is the problem you are trying to solve? If it is lower interest rate there are a million ways to beat the current rate and the whole question has nothing to do with a 529. Also what do their guardians think?
by mega317
Thu Aug 30, 2018 12:41 am
Forum: Personal Consumer Issues
Topic: Your Best Mood Boosting Books (not self-help)
Replies: 29
Views: 2494

Re: Your Best Mood Boosting Books (not self-help)

Finridge wrote:
Wed Aug 29, 2018 2:59 pm
Almost any of Dr. Seuss' books. This is not a joke.
Except the lorax. Sad. The end doesn't turn it around for me. Fox in Socks is underrated.
by mega317
Tue Aug 28, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 556
Views: 60778

Re: U.S. stocks continue to soar!

willthrill81 wrote:
Tue Aug 28, 2018 2:52 pm
the recovery since 2009 has been referred to as the 'most unloved bull market ever'.
Why?
by mega317
Tue Aug 28, 2018 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: 6 figure sum to Vanguard Money Market or Savings account?
Replies: 12
Views: 1375

Re: 6 figure sum to Vanguard Money Market or Savings account?

I will second the suggestion of T bills. Also state tax-exempt if that's relevant for you. My TEY for even a 4 week bill beats VMMXX.
by mega317
Tue Aug 28, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Should I move all my bonds to 401K?
Replies: 9
Views: 1125

Re: Should I move all my bonds to 401K?

I can't show you the math but I would lean towards picking the cheapest fund in your 401k and build from there. What state do you live in? Munis are definitely a consideration. In my state someone in the highest bracket would pay 20%+11%+3.8% or about 35% on qualified stock dividends vs nothing on m...
by mega317
Mon Aug 27, 2018 11:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 556
Views: 60778

Re: U.S. stocks continue to soar!

I don't think this thread will have the same juice. First of all stocks going up don't generate the same emotions due to loss aversion. Second, there aren't really reverse crashes where stocks go up 50% rapidly. Perhaps the counterpart to people worrying about and losing their jobs during a crash wo...
by mega317
Mon Aug 27, 2018 11:32 pm
Forum: Personal Finance (Not Investing)
Topic: shopping laptop
Replies: 5
Views: 766

Re: shopping laptop

What exactly does "home" and "business" mean? Are you doing video editing? Gaming? For most people I recommend buying something used or refurbished with an SSD, 8gb RAM, and newish Pentium processor. I buy my laptops on Ebay from highly-rated sellers with good return policies and have been extremely...
by mega317
Mon Aug 27, 2018 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Help Choosing Investments for my Roth IRA
Replies: 4
Views: 710

Re: Help Choosing Investments for my Roth IRA

For the Roth IRA, I was was thinking about putting $1k into a Vanguard Target Retirement 2065 (VLXVX) and trickle money into it until I got enough to sell and buy actual mutual funds. This in a vacuum is a great plan. But really you need to back up and first develop an overall plan. What is a "big ...
by mega317
Mon Aug 27, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: best fixed income investment as interest rates increase
Replies: 4
Views: 832

Re: best fixed income investment as interest rates increase

Welcome! You're asking about timing the bond market. IMO, just like my opinion with stocks, is that it can't be done. 1. Bond fund share prices have already taken into account expected increased in interest rates. You can't predict better that anyone else what will happen unexpectedly beyond that. 2...
by mega317
Mon Aug 27, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: How do you make use of this boglehead.org?
Replies: 20
Views: 2362

Re: How do you make use of this boglehead.org?

Your question caused me to reflect and glance back through some posts. I realize now that it's a lot of me pushing treasuries and telling people their complicated treatment of their tiny emergency fund is a waste of time! Hopefully I do a good job of reframing at least. I have backed off on respondi...
by mega317
Mon Aug 27, 2018 3:06 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing question...
Replies: 15
Views: 693

Re: Rebalancing question...

IMO no. Check again in a year or more :wink:

I think the most common threshold people use is 5/25. My own strategy is to do it once a year regardless of how far off I am. I suppose if there was a big crash I would look at it sooner.
by mega317
Mon Aug 27, 2018 1:22 pm
Forum: Personal Consumer Issues
Topic: Your Best Mood Boosting Books (not self-help)
Replies: 29
Views: 2494

Re: Your Best Mood Boosting Books (not self-help)

I loved reading about the Apollo program--most recently Apollo 8 by Jeffry Kluger and A Man on the Moon by Andrew Chaikin. It makes me feel good to read about major historical accomplishments, teamwork, etc.
by mega317
Mon Aug 27, 2018 1:19 pm
Forum: Personal Consumer Issues
Topic: Sell highly-technical books or hold onto (somewhat unreal) fantasy that I'll read them
Replies: 16
Views: 1075

Re: Sell highly-technical books or hold onto (somewhat unreal) fantasy that I'll read them

It makes some people feel good to hang on to fantasies like this one, and feeling good is good. And things that are interesting and keep your mind sharp are perfect in retirement. I'd hang on to them unless the space they occupy is bothering you or you could get a huge sum for them. Related: I won't...
by mega317
Mon Aug 27, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10914

Re: Take auto loan 0.9% if I can afford cash?

Does taking a cheap loan and putting the money somewhere with guaranteed higher return even count as leverage? Leverage involves risks. If someone loaned me $50k at 0.9% APR for three years and I put that money on a three-year 3.0% CD, there is no risk whatsoever. TravelforFun This is basically my ...
by mega317
Sun Aug 26, 2018 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: Help with windfall and taxable account funds
Replies: 4
Views: 680

Re: Help with windfall and taxable account funds

Welcome! - Yeah I'd pay off the mortgage. - I'd probably sell the munis. At the 22% bracket you're breaking even at best with yield, but with individual bonds you have increased risk compared to a diversified taxable bond fund. - You could also boost the 529 with a big contribution. - I am in favor ...
by mega317
Sun Aug 26, 2018 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Take auto loan 0.9% if I can afford cash?
Replies: 162
Views: 10914

Re: Take auto loan 0.9% if I can afford cash?

Does taking a cheap loan and putting the money somewhere with guaranteed higher return even count as leverage?
by mega317
Sun Aug 26, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Why own 401k and traditional IRA?
Replies: 25
Views: 1634

Re: Why own 401k and traditional IRA?

It is unclear where exactly op is coming from. Do you think one cannot deduct both? Do you make too much to deduct ira? If that's the case, you still need a traditional ira to hold your backdoor Roth contribution for a day or two :happy
by mega317
Sun Aug 26, 2018 7:57 am
Forum: Investing - Help with Personal Investments
Topic: Reallocating my 403b - Advice welcome!
Replies: 16
Views: 860

Re: Reallocating my 403b - Advice welcome!

Q1: it would even be reasonable to hold only one fund at 100% in this account because
Q2: I would recommend having one allocation across accounts.

I would actually be less aggressive (bonds) in the tax deferred accounts.
by mega317
Sun Aug 26, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch Preferred Deposit
Replies: 16
Views: 5608

Re: Merrill Lynch Preferred Deposit

One catch I can think of is the advisor has you on the phone to try to talk you into doing something more lucrative for him or her with the money. You are aware that you can get higher rates with FDIC, right?
by mega317
Sun Aug 26, 2018 7:32 am
Forum: Investing - Help with Personal Investments
Topic: UTMA account - VTSMX vs. FZROX
Replies: 8
Views: 731

Re: UTMA account - VTSMX vs. FZROX

Do you already have accounts at either firm? I'd go with that one. If you are properly harvesting gains the distributions won't make a difference until and unless the account becomes huge.
by mega317
Fri Aug 24, 2018 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy index funds?
Replies: 6
Views: 1104

Re: How to buy index funds?

Welcome to the forum. May I ask how you bought the fund in your Roth IRA? And why you can't do the same process for other funds?

I ask because I'm not certain how deep your question goes. What type of account is holding the 90-100k right now?
by mega317
Fri Aug 24, 2018 7:12 pm
Forum: Personal Consumer Issues
Topic: Is it worth chasing down this $10 fee?
Replies: 38
Views: 3200

Re: Is it worth chasing down this $10 fee?

Who cares if the card issuer laughs? If it was me I would call and ask, can't hurt.