Search found 2140 matches

by mega317
Tue May 22, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: Asset Class Forecasts
Replies: 14
Views: 697

Re: Asset Class Forecasts

We always seem to be anticipating profit margin reversion I didn't understand a word of that but I'd like to point out that your post is the only one in the searchable history of this forum with the exact phrase "profit margin reversion" and there are only a handful that seem to talk about reversio...
by mega317
Tue May 22, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Investing childrens accounts new money
Replies: 3
Views: 258

Re: Investing childrens accounts new money

I think you need to define the goals for these accounts. For example, is it possible the 10 year old will use this money for something like a school trip in the next few years?

What bonds are at 0.75%? I think you can do better.
by mega317
Tue May 22, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 161
Views: 8528

Re: how do you tip on wine at a restaurant

RollTide31457 wrote:
Tue May 22, 2018 1:44 pm
Usually only add a tip if adequate service is provided - drinks are refilled promptly without asking, food is delivered as ordered and in a prompt manner, seating assignments are comfortable and not unnecessarily crowded, etc.
Like, if you have to ask for more water you tip $0.00?
by mega317
Mon May 21, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Same funds within IRA and Taxable
Replies: 26
Views: 1637

Re: Same funds within IRA and Taxable

You all might be right about my comment on selling the replacement shares in the ira. I have never had to do this but I assumed, probably incorrectly, that you can just document your transactions. I do realize vanguard won't do spec ID
by mega317
Mon May 21, 2018 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: recommended Roth percentage of total investments
Replies: 5
Views: 586

Re: recommended Roth percentage of total investments

It might help to model your yearly income/taxes. You might be able to roughly find the point where converting a certain amount will keep you in low-ish brackets in conversion years while also reducing RMDs enough to stay in low-ish brackets later.
by mega317
Mon May 21, 2018 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Fractional Shares?
Replies: 6
Views: 364

Re: Fractional Shares?

How long ago did you move the account? It might move automatically after a few days.
Edit: wrong
by mega317
Mon May 21, 2018 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Can I transfer brokerage Acct without speaking to FA?
Replies: 20
Views: 1111

Re: Can I transfer brokerage Acct without speaking to FA?

He is going to find out one way or another and he'll have whatever reaction he's going to have--anger or otherwise. It might be good life practice to have the conversation.
by mega317
Mon May 21, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Reallocation vs. taxable gains
Replies: 6
Views: 393

Re: Reallocation vs. taxable gains

How high is too high? It is often a good idea to realize gains and pay taxes if your portfolio is not what you want, but it is not helpful to aim for false precision. Ie the difference in performance of 30 or 40 or 50 percent international over a short time probably doesn't matter enough to pay for....
by mega317
Mon May 21, 2018 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth in 2018. Has anything changed?
Replies: 19
Views: 5166

Re: Backdoor Roth in 2018. Has anything changed?

Another change is that the back door is now officially "OK". I believe some people worried the IRS would frown upon it or even retroactively punish it somehow.
by mega317
Mon May 21, 2018 6:44 am
Forum: Investing - Help with Personal Investments
Topic: 401k investment choices
Replies: 3
Views: 219

Re: 401k investment choices

If you have other accounts to hold the other pieces of your portfolio then you might only need one fund. Go with the cheap one. No need to mirror all holdings in all accounts.
by mega317
Mon May 21, 2018 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Same funds within IRA and Taxable
Replies: 26
Views: 1637

Re: Same funds within IRA and Taxable

But if you are actively trying to learn about tax loss harvest then presumably you might do it in the future, no? My opinion is you are way over thinking this. Hold whatever funds make the most sense for you in whatever accounts. If a TLH opportunity arises you'll have a plan for managing it, like s...
by mega317
Sun May 20, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Door Dash: Has anyone used?
Replies: 14
Views: 1694

Re: Door Dash: Has anyone used?

My wife has started using it when I'm not home. Delivery has been on time and pricing transparent. Not really much to think about with this one.

Edit for typos
by mega317
Sun May 20, 2018 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: spend down 529? continue to contribute?
Replies: 2
Views: 358

Re: spend down 529? continue to contribute?

I would contribute for the deduction. When you spend doesn't matter that much. Let's say you're in all bonds with a 3% dividend and 30% combined marginal rate- the current 110k would generate a 1k tax bill. So I'd spend from taxable first but itd not a huge deal and you probably don't want to end up...
by mega317
Sat May 19, 2018 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Young Doctor Couple - Starting Work, Starting to Invest
Replies: 31
Views: 2680

Re: Young Doctor Couple - Starting Work, Starting to Invest

They offer residents a match that doesn't vest until after residency is over? Nuts As you alluded to at the end of your post, it doesn't much matter what you do now. The key is how you behave when you get attending jobs. I think residents who moonlight are kind of crazy. You can't possibly make a de...
by mega317
Sat May 19, 2018 12:27 am
Forum: Investing - Theory, News & General
Topic: Want Vanguard funds. Need Vanguard account?
Replies: 9
Views: 783

Re: Want Vanguard funds. Need Vanguard account?

lack_ey wrote:
Fri May 18, 2018 8:46 pm
Vanguard probably has the best money market funds, for example, primarily because they charge less than others.
This is also true of their municipal bonds funds.
by mega317
Fri May 18, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 161
Views: 8528

Re: how do you tip on wine at a restaurant

Thank you for your service. You sound like a wonderful person, but I imagine lots of restaurant employees have that same attitude about their customers who don't know/don't care about a reasonable tip for the person serving them. having worked in several restaurants and having relatives working at o...
by mega317
Thu May 17, 2018 4:36 pm
Forum: Personal Consumer Issues
Topic: how do you tip on wine at a restaurant
Replies: 161
Views: 8528

Re: how do you tip on wine at a restaurant

I love these threads. Reading back on the OP, s/he tipped $15 on $127. 15% would have been $19, so on this table the waiter basically got a 20% pay cut over the expected average. You can come up with all the complicated tipping schemes you want but do you feel good about giving someone a 20% pay cut...
by mega317
Thu May 17, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Ally No Penalty CD @1.75% vs VMMXX @ 1.87%
Replies: 26
Views: 3215

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

If I already had a Vanguard account I would probably do it, but I would spend less time thinking about it than it took you to write your post.
by mega317
Thu May 17, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Rates are going up. Should I pull $ out of Munis?
Replies: 10
Views: 980

Re: Rates are going up. Should I pull $ out of Munis?

I think if you are worried about your emergency fund dropping 3% then you are absolutely holding it in the wrong vehicle. You should be using savings accounts, treasuries, I bonds, CDs. But that has nothing to do with rates or future movement of the NAV.
by mega317
Wed May 16, 2018 12:10 pm
Forum: Personal Consumer Issues
Topic: Interesting/Playful ideas for 1 year baby
Replies: 37
Views: 1500

Re: Interesting/Playful ideas for 1 year baby

naturetech wrote:
Wed May 16, 2018 11:57 am
  • The Little Mouse
  • The red ripe strawberry
  • The big hungry bear
To be clear, this is one book.
by mega317
Wed May 16, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Why can't you rollover a retirement account into another one that you no longer work at?
Replies: 33
Views: 1731

Re: Why can't you rollover a retirement account into another one that you no longer work at?

It costs money/resources to hold your retirement money. Why would someone who has no relationship with you (Job A) want to help you out by accepting and holding more money? It is rather annoying to have money spread about in many accounts. This bothers some people more than others. I don't know if o...
by mega317
Wed May 16, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 7547

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

Yes, you should listen to your friend and bet your farm on it. Then tell us how it goes. Sometimes people learn things the hard way. And you should hope it doesn't go well. You stand to lose much more in the long run if you are right this time and start thinking you or your friend knows what you're...
by mega317
Tue May 15, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Investment advice; saving for a new home with extra cash
Replies: 7
Views: 571

Re: Investment advice; saving for a new home with extra cash

Welcome to the forum. A million dollar house on 148k salary? How much does your wife make? Are you talking about an investment property or a house to live in? In my opinion your plan is approaching too complicated. If you're trying to mix corporates and treasuries you might as well go with a total b...
by mega317
Tue May 15, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Would you be willing to temporarily change your AA?
Replies: 27
Views: 1472

Re: Would you be willing to temporarily change your AA?

HomerJ wrote:
Tue May 15, 2018 12:02 pm
So you'd wait until the market was down 50%? If it was down 35% or 45%, you wouldn't change a thing?
Yes this, and then also when do you go back to your original or preferred AA? So you have to be right twice.
by mega317
Tue May 15, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Interesting/Playful ideas for 1 year baby
Replies: 37
Views: 1500

Re: Interesting/Playful ideas for 1 year baby

You can't just goof off for 5 hours. Take her to the grocery store or whatever else you would do without a baby. It's good for everyone's health and sanity to be out in the world. Go to a pet store or humane society. Library. Also fun to include her in cleaning activities. More like she can chew on ...
by mega317
Tue May 15, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: Small gift from Grandma to infant - where to put it?
Replies: 21
Views: 1938

Re: Small gift from Grandma to infant - where to put it?

I often think about two sides of gifting advice often given on this forum. This is my distillation:
As a recipient you should make every effort to follow the intent of the giver.
As a giver you should make every effort to not burden the recipient.
by mega317
Mon May 14, 2018 11:58 pm
Forum: Investing - Help with Personal Investments
Topic: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?
Replies: 71
Views: 10408

Re: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?

Hard to get advice from people in a similar financial situation when you won't share yours. What you're asking for isn't even close to existing.
by mega317
Mon May 14, 2018 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Market ETF vs. Vanguard Total Stock Market Index Fund Admiral Shares
Replies: 7
Views: 987

Re: Vanguard Total Stock Market ETF vs. Vanguard Total Stock Market Index Fund Admiral Shares

I don't know if I agree. Most poor investment decisions based on emotion are not made on a minute to minute scale, more like days and weeks. Market starts dropping, headlines start getting worse, investors start getting antsy and sell. But how often does someone click sell in the morning and then ch...
by mega317
Mon May 14, 2018 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Calif Municipal MMF vs. Fidelity Calif AMT Tax-Free MMF
Replies: 6
Views: 467

Re: Vanguard Calif Municipal MMF vs. Fidelity Calif AMT Tax-Free MMF

I have to wonder why the Fidelity fund would yield more even after a higher expense ratio? Just because of the AMT issue?
by mega317
Mon May 14, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Small gift from Grandma to infant - where to put it?
Replies: 21
Views: 1938

Re: Small gift from Grandma to infant - where to put it?

Not to turn this in to a relationship thread, but you need to talk to your spouse. This gift has conditions and you don't want to meet all of them. My mother and I get along very well and both know investing while my wife does not; I still would not ask her if I could alter her intentions for a gene...
by mega317
Sat May 12, 2018 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Is it possible to automatically use short-term (13-26 weeks) treasury bills to buy I Bonds upon maturity?
Replies: 3
Views: 305

Re: Is it possible to automatically use short-term (13-26 weeks) treasury bills to buy I Bonds upon maturity?

Treasury direct offers something called a C of I which I have never used but seems like a settlement fund. It pays no interest. I don't fully understand what you're trying to do but unless we're taking huge amounts of money it probably doesn't matter. What's wrong with Ally? It's just as easy to use...
by mega317
Sat May 12, 2018 3:23 pm
Forum: Investing - Theory, News & General
Topic: short term investment
Replies: 17
Views: 1012

Re: short term investment

You're probably better off with treasuries at that duration and with that much money.
by mega317
Fri May 11, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help! Looking to finally invest - Admiral shares or ETFs?
Replies: 10
Views: 928

Re: Help! Looking to finally invest - Admiral shares or ETFs?

Do you hold Wellesley and VFORX in traditional IRAs at Fidelity? If the only funds you want to own are Vanguard funds I'd go ahead and open an account with them. No commissions.

I gotta say I'd think twice about moving from 20 years of being in cash to 70/30.
by mega317
Fri May 11, 2018 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: TLH questions
Replies: 12
Views: 650

Re: TLH questions

Just because the IRS wouldn't know/couldn't piece together something doesn't make it allowed. And my question is more general, not specifically about the funds in the OP. It was something of a hijack but the original questions were answered.
by mega317
Fri May 11, 2018 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do to lower our oversized emergency fund?
Replies: 35
Views: 3263

Re: What would you do to lower our oversized emergency fund?

I'm solidly on team #3.
Grt2bOutdoors wrote:
Fri May 11, 2018 12:36 pm
How is it oversized? $170K in cash divided by $20K in monthly expenses is 5.5 months worth of efund.
Where do you see 20k monthly expenses? That's more than their income (which I guess doesn't make it untrue).
by mega317
Fri May 11, 2018 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: Beyond 401k, IRA, 529, mortgage
Replies: 22
Views: 1021

Re: Beyond 401k, IRA, 529, mortgage

That's a lot of money! I'd donate some.
by mega317
Fri May 11, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: 10 year taxable account investment
Replies: 8
Views: 1056

Re: 10 year taxable account investment

What happens in 10 years that you need the money? Is it definitely 10 years or flexible? Are you going to be adding to the position or just 20k in and whatever you have out at 10 years?
by mega317
Fri May 11, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: TLH questions
Replies: 12
Views: 650

Re: TLH questions

Ok I've asked this on at least one other thread and got no response. The common wisdom around here is that a transaction in a 401k can not create a wash. But based on this language: A wash sale occurs when you sell or trade stock or securities at a loss and within 30 days before or after the sale yo...
by mega317
Fri May 11, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: TLH questions
Replies: 12
Views: 650

Re: TLH questions

Not even the absolute most conservative tax loss harvester would consider those funds substantially identical.

It will just be a regular old capital loss.
by mega317
Fri May 11, 2018 9:05 am
Forum: Personal Consumer Issues
Topic: AT&T tv and internet bondle
Replies: 8
Views: 752

Re: AT&T tv and internet bondle

I'm happy with AT&T for now, I've been with them a year. When the rates go up I'll switch to someone else. I think that's pretty standard. I don't see much downside to a 2 year contract since you can get out of it if you move somewhere they don't serve; otherwise why would you switch? I suppose I'm ...
by mega317
Thu May 10, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Options
Replies: 20
Views: 1519

Re: Investing Options

I think you and I just think about our financial lives in very different ways. I am trying to be helpful but maybe this should be my last post on this thread. 1. You are making plans for a toddler to take over a business that doesn't yet exist. 2. You are assuming that running and growing this busin...
by mega317
Thu May 10, 2018 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable Vanguard Account Total Bond Market vs Municipal Bonds for 24% tax bracket
Replies: 10
Views: 820

Re: Taxable Vanguard Account Total Bond Market vs Municipal Bonds for 24% tax bracket

The math to compare yields is pretty straightforward, but there are also other factors to consider when comparing two bond funds.
by mega317
Thu May 10, 2018 4:10 pm
Forum: Personal Finance (Not Investing)
Topic: DCA or lump sum from settlement fund to LifeStrategy
Replies: 9
Views: 703

Re: DCA or lump sum from settlement fund to LifeStrategy

Sure it might make sense. But you won't know in advance. Another thing to consider is that regret goes both ways. Although humans feel losses more than missing gains.

What does "in this market" mean, anyway? I read that a lot.
by mega317
Thu May 10, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Reccommended Minivans
Replies: 31
Views: 1825

Re: Reccommended Minivans

Another thing to consider: you will save 5-10k if you get something smaller, like a crossover. IMO most people would be better off having their in laws rent a car, or shuttle them in your other car, or Uber rather than buying a bigger car just for that.
by mega317
Wed May 09, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5284

Re: What's the view on dogs running free?

This has been mentioned several times. Are you seriously liable if someone else's dog comes on to your property and hurts someone?
by mega317
Wed May 09, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: IRS tax form [Rejected as photocopy, signature must be in blue ink]
Replies: 41
Views: 3103

Re: IRS tax form

What is their concern here, that someone is filing a return using your name, and has an electronic version of your signature that they added to the form? I wonder if the IRS "this looks like a photocopy" experts are also "this looks like a forged signature" experts. Has anyone ever gotten a return b...
by mega317
Wed May 09, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why are stock returns expected to be so low over the next decade?
Replies: 27
Views: 4442

Re: Why are stock returns expected to be so low over the next decade?

I'm sure there are hundreds of posts answering that question, and maybe this thread will add a hundred more, but really no one can predict anything, and if they could would it change your investing strategy?
by mega317
Wed May 09, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Newb: Money Market Fund (VMSXX) vs high yield savings online banking for E-fund?
Replies: 15
Views: 2173

Re: Newb: Money Market Fund (VMSXX) vs high yield savings online banking for E-fund?

I would like to pull the Boglehead special and not answer the question you asked. That is a large emergency fund. How many moths of expenses is that? How much do you have in taxable accounts? What is your tax bracket? You may not need an emergency fund, or you may be someone for whom a municipal mon...
by mega317
Wed May 09, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: What's the view on dogs running free?
Replies: 110
Views: 5284

Re: What's the view on dogs running free?

You have the choice to speak, stay irked, or just learn to let it go. Talk politely to the neighbors. I should save these two quotes for every neighbor-related thread in the future. Why are people so afraid of talking to other people? I have no advice because I can't begin to get into the head of s...
by mega317
Wed May 09, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Investing Options
Replies: 20
Views: 1519

Re: Investing Options

It seems that starting a home-based accounting business would be a large undertaking and should be decided on factors other than "I'm not sure what to do with some extra savings". The fact that you are considering starting a business in the same sentence as paying off your HELOC reinforces to me tha...