Search found 1699 matches

by mega317
Tue Feb 20, 2018 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Horrible Experience with Ally New Account Opening Process
Replies: 7
Views: 390

Re: Horrible Experience with Ally New Account Opening Process

dkg2707 wrote:
Tue Feb 20, 2018 8:41 pm
Called them today again and they said they sent a postal mail.
Maybe wait for the mail to come?

Also check your email spam.
by mega317
Tue Feb 20, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 5
Views: 675

Re: <gulp> Expensive mistake

I should add I am very sorry this happened. But don't let one expensive mistake possibly create a more expensive one.
by mega317
Tue Feb 20, 2018 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: <gulp> Expensive mistake
Replies: 5
Views: 675

Re: <gulp> Expensive mistake

Kristen wrote:
Tue Feb 20, 2018 9:37 pm
Honestly, I want to wait for the bottom to fall out. But that's timing the market and I don't do that. DO I????
This is the easiest market timing thread ever.

No.
by mega317
Tue Feb 20, 2018 6:30 pm
Forum: Personal Finance (Not Investing)
Topic: Any other 2017 tax benefits available for our child?
Replies: 5
Views: 434

Re: Any other 2017 tax benefits available for our child?

One of the greatest tax benefits of children I have found (other than the additional exemption which is going away) is donating all the junk you buy (or are gifted) and use once.
by mega317
Tue Feb 20, 2018 6:28 pm
Forum: Personal Finance (Not Investing)
Topic: Any other 2017 tax benefits available for our child?
Replies: 5
Views: 434

Re: Any other 2017 tax benefits available for our child?

You should look at form 2441, but I think the $3600 will make you ineligible for the child and dependent care credit.
by mega317
Tue Feb 20, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: New to FSA and Planning a baby
Replies: 8
Views: 358

Re: New to FSA and Planning a baby

. You can file a claim any time but you can only be reimbursed with money you have contributed. I'm not sure this is true for every plan? I think have access to my full amount on 1/1 even though the deduction is spread over the next 52 weeks of pay. I have definitely used up my entire amount by hal...
by mega317
Tue Feb 20, 2018 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: New to FSA and Planning a baby
Replies: 8
Views: 358

Re: New to FSA and Planning a baby

$2650 this year. My plan allows $500 to roll over (and that doesn't have to be used in the first 3-4 months, in fact it's locked and I can't even get to it until May usually). My children cost $250 and $0 respectively for the births, so yeah check that out. You can file a claim any time but you can ...
by mega317
Tue Feb 20, 2018 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell bond Funds for Tax Losses?
Replies: 3
Views: 243

Re: Should I sell bond Funds for Tax Losses?

When I harvested losses in VCADX last year I went to VWIUX, then harvested even greater losses going back to VCADX.
by mega317
Tue Feb 20, 2018 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: TLH in a 3-fund portfolio with the same funds in taxable and tax-advantaged
Replies: 2
Views: 207

Re: TLH in a 3-fund portfolio with the same funds in taxable and tax-advantaged

In my tax-advantaged accounts, however, the dividends and capital gains are set to be reinvested. Is that going to create a potential wash sale problem if I try to TLH from total stock market (VTSAX) or total international (VTIAX) in my taxable account, since I hold these exact same funds in my tax...
by mega317
Tue Feb 20, 2018 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: What funds would you pick for 401k?
Replies: 8
Views: 417

Re: What funds would you pick for 401k?

Another request to edit your original post. Please format it like this: https://www.bogleheads.org/forum/viewtopic.php?t=6212 We need to know about your other accounts, your tax bracket, how much you have available to invest, debt, etc. There is no reason IMO to use any of the listed funds with expe...
by mega317
Tue Feb 20, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)
Replies: 15
Views: 1276

Re: Just finished reading "Bogleheads Guide To Investing" and ready to start asking 101 level questions :)

the book said to put the bonds in taxable accounts, right?
It's been a while since I read that book, but that's not what most people do. It is addressed in the wiki.
by mega317
Tue Feb 20, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: What if you only live off dividends?
Replies: 79
Views: 6740

Re: What if you only live off dividends?

Most people will not have enough savings to live off the dividends of a balanced portfolio anyway. Sometimes they then skew their portfolio to too high a percentage of dividend paying stocks or to too high a percentage of dividend paying bonds. This might provide more income from dividends, but it ...
by mega317
Tue Feb 20, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: VAIPX/TIPS: To sell or not to sell
Replies: 14
Views: 844

Re: VAIPX/TIPS: To sell or not to sell

For my education, and I feel stupid for asking, why is the time to sell now when there is a looming inflation?
Because neither you nor anyone else knows what will actually happen. So either they have a role in your portfolio or they don't.
by mega317
Mon Feb 19, 2018 11:42 pm
Forum: Investing - Help with Personal Investments
Topic: VAIPX/TIPS: To sell or not to sell
Replies: 14
Views: 844

Re: VAIPX/TIPS: To sell or not to sell

Welcome to the forum! I don't know the answer to your question but I think you need to back up a little bit. #1 what is your desired asset allocation? 70/30 or 80/20? The answer to this question should have nothing to do with what you do with this TIPS fund. #2 Why did you buy the fund in the first ...
by mega317
Mon Feb 19, 2018 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use LS & TDF's together for target AA?
Replies: 6
Views: 279

Re: Anyone use LS & TDF's together for target AA?

Why can't you use individual funds?
by mega317
Mon Feb 19, 2018 4:43 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 Expenses Review by Category and Budgeting for Kids
Replies: 4
Views: 413

Re: 2017 Expenses Review by Category and Budgeting for Kids

My child didn't add 200 a month to my health insurance premiums and almost all care is free if they're healthy. Diapers should be about your biggest cost, you can get a million clothes and toys for free from friends who no longer need them. In fact if you send me a box with paid postage I would be t...
by mega317
Mon Feb 19, 2018 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: short-term car fund in tax-exempt munis or high interest savings account
Replies: 7
Views: 230

Re: short-term car fund in tax-exempt munis or high interest savings account

Also the California money market easily beats Ally in the highest tax bracket.
by mega317
Mon Feb 19, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: short-term car fund in tax-exempt munis or high interest savings account
Replies: 7
Views: 230

Re: short-term car fund in tax-exempt munis or high interest savings account

How big is your taxable account? I would just invest it according to your asset allocation and when time comes to buy the car, sell whatever asset makes sense at that time. You shouldn't care about lagging inflation for 8 months by the way. Especially if you're OK with your bond fund dropping during...
by mega317
Mon Feb 19, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6636

Re: Sell me on the benefits of an emergency fund

echidna wrote:
Mon Feb 19, 2018 2:52 pm
Who knows what the future will bring, but absent a crystal ball, I would place much more faith in the more immediate past as a predictor of what is to come, at least for the near term.
Dude your first post in this thread referenced the "long long term". Now we're on near term?
by mega317
Mon Feb 19, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Downloading VG Brokerage to TT
Replies: 6
Views: 312

Re: Downloading VG Brokerage to TT

If I was you I would have been manually entering the numbers while I was on hold, you would have been done a long time ago. Now my recommendation is to manually enter them while you wait for a helpful answer on this thread.
by mega317
Mon Feb 19, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: For munis: state specific or non-state specific funds best?
Replies: 8
Views: 670

Re: For munis: state specific or non-state specific funds best?

I have only statespecificc munis -- in taxable. More than half of my bonds are in total bond in tax deferred accounts.
by mega317
Mon Feb 19, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: What do Bogleheads think of Passive income through Dividend Stocks
Replies: 41
Views: 3626

Re: What do Bogleheads think of Passive income through Dividend Stocks

There are hundreds or maybe thousands of pages of comments on this topic on the forum. Clearly people have different opinions. My distillation of the majority opinion is that the total return, before taxes, of total stock funds is similar to diversified stock funds focused on dividends, so the main ...
by mega317
Mon Feb 19, 2018 7:45 am
Forum: Personal Finance (Not Investing)
Topic: First offer on a house...gut check
Replies: 16
Views: 2282

Re: First offer on a house...gut check

If income 1 goes away you might be in trouble.
by mega317
Mon Feb 19, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: Why not tax-exempt bonds?
Replies: 23
Views: 2299

Re: Why not tax-exempt bonds?

I didn't check your numbers but I'm not disagreeing with them. But this doesn't make intuitive sense. Intermediate tax exempt is not significantly riskier than total bond, so there is no reason it should return more before taxes. What happens when you do the analysis with SEC yield?
by mega317
Mon Feb 19, 2018 7:19 am
Forum: Investing - Help with Personal Investments
Topic: IRA mess
Replies: 5
Views: 675

Re: IRA mess

What are the chances you will end up not having the option to roll several years of nondeductible contributions to a 401k in the future?
by mega317
Mon Feb 19, 2018 7:11 am
Forum: Personal Finance (Not Investing)
Topic: Using Turbotax in year of home purchase
Replies: 8
Views: 627

Re: Using Turbotax in year of home purchase

Be aware that if you paid any point on your mortgage, they are deductible for tax yr. 2017 but this is a recent change that Turbotax won't be able to handle until the IRS finalizes it and then Turbotax is updated. Interesting, I didn't have this problem. I had an option to fill in box 6 and the fin...
by mega317
Mon Feb 19, 2018 1:31 am
Forum: Investing - Help with Personal Investments
Topic: Fido FTIPX vs FSIVX and Diversification Concern
Replies: 2
Views: 260

Re: Fido FTIPX vs FSIVX and Diversification Concern

TheDDC wrote:
Mon Feb 19, 2018 12:46 am
Should I just increase my VTIAX holdings in those funds or is the lack of diversification not worth worrying about?
Both
by mega317
Mon Feb 19, 2018 1:29 am
Forum: Personal Consumer Issues
Topic: Cooling an Upstairs Bedroom
Replies: 9
Views: 1043

Re: Cooling an Upstairs Bedroom

Is the attic properly ventilated? Getting that fixed made a huge difference for us.
by mega317
Mon Feb 19, 2018 12:54 am
Forum: Personal Finance (Not Investing)
Topic: Using Turbotax in year of home purchase
Replies: 8
Views: 627

Re: Using Turbotax in year of home purchase

If you itemize it's just going to add a couple of numbers to your schedule A. If not, you probably aren't itemizing this year.

There is even a chance your 2018 taxes will be easier than 2017.
by mega317
Mon Feb 19, 2018 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Mechanics of rebalancing while in accumulation phase
Replies: 12
Views: 798

Re: Mechanics of rebalancing while in accumulation phase

To be honest the first paragraph of your post sounds like what a lot of the smart and experienced people do around here. Close is probably good enough. I use a very simple spreadsheet. Each row is an account (his Roth, her Roth, 403b current, 403b old, etc.). There are 3 columns: US, international, ...
by mega317
Sun Feb 18, 2018 10:12 pm
Forum: Personal Consumer Issues
Topic: Best place to buy contact lenses online
Replies: 7
Views: 603

Re: Best place to buy contact lenses online

I get mine from a different site every time since you get new customer discounts. Also look through your credit card's shopping portal, there are often cash back offers. I'm looking on google now, EZContacts.com has my lenses the cheapest, 95% positive seller rating on 77k reviews. I have no idea ab...
by mega317
Sun Feb 18, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: What home related expenses do I need to think of?
Replies: 16
Views: 807

Re: What home related expenses do I need to think of?

Furniture. That might not be a "regular" expense but prorated it will be more expensive than your utilities for a long time.

This must be a really nice place. $800/month is more than many (most?) people's mortgages.
by mega317
Sun Feb 18, 2018 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Recent market downturn and TLH
Replies: 8
Views: 339

Re: Recent market downturn and TLH

bling wrote:
Sun Feb 18, 2018 9:53 pm
anyone who bought in january had an opportunity to TLH.
Or munis in the last quarter of 2017.
by mega317
Sun Feb 18, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: First time Home Buyer in HCOL area - funds check
Replies: 16
Views: 1758

Re: First time Home Buyer in HCOL area - funds check

Emergency fund - I am thinking of reducing / stopping 401k and roth contributions to increase emergency fund. Don't do this. You can withdraw Roth contributions without penalty. In, say, an emergency. Sorry I'm just having a hard time believing your expenses are $1500. Partly based on my experience...
by mega317
Sun Feb 18, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Bosch Dishwasher Recall
Replies: 5
Views: 1462

Re: Bosch Dishwasher Recall

Bosch gave me three names as well. The first one I called ordered the part, called me back when it came in. The workers came within the designated window and replaced it in 10 minutes. Didn't even wake the baby sleeping near the kitchen.
by mega317
Sun Feb 18, 2018 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH
Replies: 25
Views: 1205

Re: Switching Total Domestic/Large Cap to Small/Mid Cap in Tax-Advantaged Accounts for TLH

My confusion about this has always been that #1 seems to include any type of trade and makes #2 and #4 redundant.

But by the same token why specify taxable and IRA without including other accounts unless they are actually not included?

I am not worried about future guidance applying retroactively.
by mega317
Sun Feb 18, 2018 4:12 pm
Forum: Investing - Theory, News & General
Topic: 6 and 12 MO CD's or Treasury Bills
Replies: 10
Views: 946

Re: 6 and 12 MO CD's or Treasury Bills

I guess it should be asked what are you hoping to learn from this thread that you couldn't get in 2 minutes on Vanguards website?
by mega317
Sun Feb 18, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: 6 and 12 MO CD's or Treasury Bills
Replies: 10
Views: 946

Re: 6 and 12 MO CD's or Treasury Bills

Right now treasuries win out for a year or under because they are yielding more. If state tax is a consideration it's even better.
by mega317
Sun Feb 18, 2018 4:07 pm
Forum: Investing - Help with Personal Investments
Topic: Muni Bond market
Replies: 17
Views: 1419

Re: Muni Bond market

I think the first question to ask about buying individual bonds, especially for someone who doesn't fully understand them like you, and also me, is what are you trying to do that can't be accomplished with a mutual fund?
by mega317
Sun Feb 18, 2018 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 39
Views: 3720

Re: I reduced my exposure to US stocks before the correction.

Your post reads like an explanation of your portfolio which, while is not the same as mine, seems fine. But why set it up like you did unless you feel some connection, retrospective though it may be, to present market conditions?
by mega317
Sun Feb 18, 2018 1:44 am
Forum: Investing - Help with Personal Investments
Topic: Sell me on the benefits of an emergency fund
Replies: 119
Views: 6636

Re: Sell me on the benefits of an emergency fund

I don't think you're necessary missing anything, lots of people don't have a cash emergency fund. Just make sure you can withstand a common bad scenario which is you lose your job at the same time the market crashes. Will you still have enough to cover living expenses for a while?
by mega317
Sun Feb 18, 2018 1:39 am
Forum: Investing - Help with Personal Investments
Topic: Recommendations for Fidelity Bond Funds in Taxable Account
Replies: 25
Views: 1664

Re: Recommendations for Fidelity Bond Funds in Taxable Account

I prefer the stability that bond funds provide to my taxable account and I see paying taxes as the cost of having peace of mind. Is this wrong thinking? Having my taxable account completely in equities is disconcerting to me. I wouldn't say it's wrong, it's not financially optimal as you conceed. T...
by mega317
Sat Feb 17, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: New to IRA
Replies: 5
Views: 311

Re: New to IRA

"Aside from getting a book" like you've already done that or you don't want to? I didn't read your old posts but it sounds like you've been around a while. What have you learned so far?
by mega317
Sat Feb 17, 2018 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to pay off loan
Replies: 7
Views: 482

Re: Using Emergency Fund to pay off loan

A year of salary is (hopefully!) more than a year of expenses which is a rather conservative emergency fund, not knowing your circumstances.

How much emergency fund would be left, as an multiple of monthly expenses? And would you be comfortable with that?
by mega317
Sat Feb 17, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Investment strategy... have an extra 1000 a month to spend
Replies: 11
Views: 867

Re: Investment strategy... have an extra 1000 a month to spend

Are you saying you chose CSCO based solely on sector and share price? Why not post a portfolio review and get advice on where to "spend" that 1000/mo. within the context of your overall financial strategy/picture? Asking Portfolio Questions https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 +...
by mega317
Sat Feb 17, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Older iPhone slowdowns - tips or considering switching?
Replies: 18
Views: 1127

Re: Older iPhone slowdowns - tips or considering switching?

Hmm, my iPhone 6 is having no such problems which makes me wonder if there is an issue specific to you. The SE is smaller so that's an option. If I was so tied in to Apple I would just accept whatever size phone they made me get. I'm not tied to them at all but I can't imagine going to Android just ...
by mega317
Sat Feb 17, 2018 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Laddering CDs: 6 mos v. 1 year?
Replies: 11
Views: 913

Re: Laddering CDs: 6 mos v. 1 year?

This has been asked several times recently. It's market timing like any other just with very low consequences especially if deciding between such short terms. Usually people are asking about going from intermediate term bond funds to cash or very short stuff.
by mega317
Sat Feb 17, 2018 10:24 am
Forum: Investing - Help with Personal Investments
Topic: Investment strategy... have an extra 1000 a month to spend
Replies: 11
Views: 867

Re: Investment strategy... have an extra 1000 a month to spend

The common advice here is going to be invest in tax efficient index funds according to your desired asset allocation. I don't understand the gambling mentality. You'd probably be better off taking the first few months of extra cash flow to a casino than stock picks over a long period. What's funny i...
by mega317
Sat Feb 17, 2018 8:33 am
Forum: Personal Finance (Not Investing)
Topic: HR Block vs Turbo Tax to compare to accountant?
Replies: 7
Views: 413

Re: HR Block vs Turbo Tax to compare to accountant?

The free online tools are just estimates so you will be in the ballpark but not exact. For example they won't take in to account my dependent care FSA, or my excess SS payment due to multiple employers. Of course you can, at least with TurboTax, enter the info in the full online version and compare ...