Search found 178 matches

by elderwise
Thu Oct 10, 2019 11:03 am
Forum: Personal Consumer Issues
Topic: eBay resolved dispute in my favor — how long before refund?
Replies: 9
Views: 733

Re: eBay resolved dispute in my favor — how long before refund?

From what I can remember of a similar case, the seller received the item but did not refund. I think after a certain amount of time has passed, you can report /escalate to ebay saying that you did not receive the refund and they will do it themselves (ebay customer support).I think its around 30-50 ...
by elderwise
Wed Oct 02, 2019 9:43 am
Forum: Non-US Investing
Topic: Not so happy in Denmark... individual stocks better than index funds? [US ex-pat]
Replies: 43
Views: 3876

Re: Not so happy in Denmark... individual stocks better than index funds? [US ex-pat]

Are you also thinking of applying / becoming a Danish citizen eventually?

Would renouncing the USC at that time would it make sense?
by elderwise
Wed Oct 02, 2019 9:41 am
Forum: Non-US Investing
Topic: EU / US citizen looking for Interactive Broker ETF investment tips
Replies: 4
Views: 481

Re: EU / US citizen looking for Interactive Broker ETF investment tips

I assume your are NL/US? How do you normally do your dutch taxes? US taxes on worldwide income, Dutch BSN taxes on worldwide asset / income if you are a dutch resident.Dutch also makes you pay on US assets even if you dont sell so if you have 300K in VTSAX you still have to pay some % correct? For s...
by elderwise
Fri Sep 20, 2019 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Donation help - Good will how to properly account tax deduction
Replies: 9
Views: 586

Re: Donation help - Good will how to properly account tax deduction

What do the rest of your potential itemized deductions look like? Deductible mortgage interest, state and local taxes, etc. It’s possible even with this donation you won’t wxveed the standard deduction, in which case you will get no tax benefit and might as well spare yourself the headache. Rent- n...
by elderwise
Fri Sep 20, 2019 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Donation help - Good will how to properly account tax deduction
Replies: 9
Views: 586

Donation help - Good will how to properly account tax deduction

BH Folks, I at a point in time purchased (to sell, enhance firmware , develop) and have purchased a lot of these iPad 1/2/3rd gen minis / s (i have purchased these for 100-200$ a piece) and have like 5-10 bunch of android tablets Network routers , hotspots etc some costing each around $50 (total lot...
by elderwise
Fri Aug 30, 2019 11:13 am
Forum: Personal Consumer Issues
Topic: What, besides dishes, do you run through your dishwasher?
Replies: 85
Views: 6265

Re: What, besides dishes, do you run through your dishwasher?

Are people seriously cooking food in dishwasher????
by elderwise
Thu Aug 29, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1262
Views: 76177

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

Question, for others who are more knowledgeable.. I get it that doing quarterly rebalancing will trigger STCG, but if doing annual (yeah cAGR may not be as good as quarterly or lookback monthly) but, wont that mean LTCG? I am asking because I have close to 100K vested into this in taxable, if (hopef...
by elderwise
Thu Aug 15, 2019 3:22 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure Part II: The next journey
Replies: 1262
Views: 76177

Re: HEDGEFUNDIE's excellent adventure Part II: The next journey

I built a test pie, liquidated my old pie of 60/40 TMF/UPRO

As follows:

45% - UPRO/TMF 40/60

45% - UPRO/TMF 55/45

10% - 100% UPRO

To see which slice does best...

Invested 78K

Image
by elderwise
Fri Aug 09, 2019 4:59 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284976

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Am doing this purely in taxable initially 1K maybe future 50K 100K and to reduce burden on gains short term.limit to annual rebalance.
by elderwise
Fri Aug 09, 2019 4:59 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284976

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Just jumped into ntsx because I only have a taxable. Thanks for the info Why can't you do upro/tmf 40/60? I am doing the same I'm taxable in M1...? Why is ntsx better than upro/tmf? I was going to do that but most people seem to agree that the tax burden to re balance quarterly would be a burden. T...
by elderwise
Fri Aug 09, 2019 4:47 pm
Forum: Personal Consumer Issues
Topic: RESOLVED: Least expensive place to mass register domains, decide which I want to keep, then transfer
Replies: 24
Views: 2174

Re: Least expensive place to mass register domains, decide which I want to keep, then transfer

I have used in the past godaddy(avoid like.plgaue upsell always they push you to), name cheap, name.com(domainsite before), etc.only recently I cam across (2 yrs plus now) with namesilo very reasonable free whois on most TLD Except those that have regulatory reason such as .US that no registrar can ...
by elderwise
Fri Aug 09, 2019 4:40 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284976

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

keanoz wrote:
Fri Aug 09, 2019 4:33 pm
Just jumped into ntsx because I only have a taxable. Thanks for the info
Why can't you do upro/tmf 40/60? I am doing the same I'm taxable in M1...?

Why is ntsx better than upro/tmf?
by elderwise
Fri Aug 09, 2019 4:21 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284976

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Everyone is saying doing this with taxable money will be paying a lot of short term gains but TBh wth I see my test 1000$ has been giving 10% return in 1 month so if someone invests 100K or 300K and gets 30% return as seen by OP over six months why would you worry or be shy of paying good amount of ...
by elderwise
Thu Aug 08, 2019 3:06 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284976

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Btw I called them and their support seems non existant ? Right now is business hours CST est and how are they saying please call back during regular work hours? Weird

Anyone else face issues calling and talking to them?
by elderwise
Thu Aug 08, 2019 3:05 pm
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284976

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

My m1 finance is showing 0 balance I had 1k in it and also did a large deposit $$$, below daily limit max but close.

Do they just do this? To review audit or js this a general outage issue?
by elderwise
Wed Aug 07, 2019 8:05 am
Forum: Personal Investments
Topic: You Invest by JP Morgan Chase
Replies: 173
Views: 26524

Re: You Invest by JP Morgan Chase

I recently got an email from Chase as well, to open a Sapphire acct with $750 bonus: You Invest Brokerage and accounts opened in a Chase branch and serviced by a J.P.Morgan Private Client Advisor or Financial Advisor Question: Does this mean, I have to have a paid Chase Advisor when I open an acct?...
by elderwise
Fri Aug 02, 2019 10:00 am
Forum: Investing - Theory, News & General
Topic: Does fed cut affect gold prices , stock market , mortgage rates?
Replies: 15
Views: 2092

Re: Does fed cut affect gold prices , stock market , mortgage rates?

Why is GOLD (barrick gold stock) going up??? it went as low as 15.28 and also GOLD actual spot gold prices went up from -20 $ to +40$..

is this due to china tensions?
by elderwise
Wed Jul 31, 2019 8:31 am
Forum: Investing - Theory, News & General
Topic: Does fed cut affect gold prices , stock market , mortgage rates?
Replies: 15
Views: 2092

Does fed cut affect gold prices , stock market , mortgage rates?

I am curious i read the rate cut is short term, and the mortgage rates are based on 10 Y T bills?

Have very little knowledge, hence wanted to see what others know.

Should i wait if I am looking to buy a home?
by elderwise
Wed Jul 31, 2019 8:30 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284976

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

For those of us in this game, how will the Fed cut impact this strategy / returns?
by elderwise
Wed Jul 10, 2019 8:08 am
Forum: Personal Investments
Topic: Locking in 50 to 80K to earn XXX bonus vs VTI - worth it?
Replies: 3
Views: 352

Locking in 50 to 80K to earn XXX bonus vs VTI - worth it?

I am thinking of doing this ..say (if you have liquid funds) 50K to 100K sitting in cash at bank, cap one discover etc etc and many banks offer bonus (200 to 500$ etc) but the issue is mostly you gotta lock in the funds there for 90 days min. Is this a better return than just dumping into VTI or VTS...
by elderwise
Wed Jul 03, 2019 11:21 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284976

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

is the cash drag / STCG generated significant if doing quarterly vs annual in a Taxable account like chase youinvest? Just don't have enough to do it in Roth / pre tax space so was debating doing (somewhere between 50-120K in taxable). Also one another question, I know someone earlier asked why not ...
by elderwise
Sun Jun 30, 2019 4:45 pm
Forum: Investing - Theory, News & General
Topic: Calculating VTSAX(or total stock) return without dividends reinvested
Replies: 13
Views: 1020

Calculating VTSAX(or total stock) return without dividends reinvested

Does Vanguard publish a ETF / MF return without dividends re-invested?I believe the vanguard fund information page is total return. The reason I want to see this is If i do not re-invest dividends (in taxable) how would i calculate the returns (as in CG). I wanted to see how a portfolio would do say...
by elderwise
Sat Jun 29, 2019 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrew 6K Roth IRA cannot recontribute for 2019, wait till 2020?
Replies: 12
Views: 1385

Re: Withdrew 6K Roth IRA cannot recontribute for 2019, wait till 2020?

So i heard back from them, thought it would be interesting / to let others know in case they have such a situation.Alan thanks i saw you also mentioned this in your post above.. There is no way you can specify 2019 withdrawal of contribution, (atleast in Vanguard) here is their reply: Dear elderwise...
by elderwise
Fri Jun 28, 2019 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrew 6K Roth IRA cannot recontribute for 2019, wait till 2020?
Replies: 12
Views: 1385

Re: Withdrew 6K Roth IRA cannot recontribute for 2019, wait till 2020?

Hi Alan, I did not see those 1,2 options.All i had an option to while withdrawing was to withhold 10% taxes which i chose NOT to. While withdrawing funds, it would have been a lot better had they given me the option like you said #1.Also i reviewed the transaction confirmation statement and pasting ...
by elderwise
Fri Jun 28, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrew 6K Roth IRA cannot recontribute for 2019, wait till 2020?
Replies: 12
Views: 1385

Re: Withdrew 6K Roth IRA cannot recontribute for 2019, wait till 2020?

I sent a message to VG support, lets see.It may just be that will probably need to wait till next year for the limit to reset.
by elderwise
Fri Jun 28, 2019 12:42 pm
Forum: Personal Investments
Topic: Parking Cash at JPMC
Replies: 7
Views: 427

Re: Parking Cash at JPMC

dont you have VMMX vanguard money market??

I see that in my YouInvest Chase brokerage account not sure if thats the same ?

Also it has bunch of vanguard ETF's but i know you said dont want to risk the principal.
by elderwise
Fri Jun 28, 2019 11:05 am
Forum: Personal Investments
Topic: Applied for an account at CU and the CD rates dropped the next day
Replies: 11
Views: 706

Re: Applied for an account at CU and the CD rates dropped the next day

I had a similar experience (car loan) with Andrews FCU..

their car loan rate was 2.99 and in June went up to 3.39 or something, i had applied end of May when it was 2.99..unfortunately they would only offer the 3.39.

Because the paperwork got approved early June..thats the rate they went with.
by elderwise
Fri Jun 28, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Withdrew 6K Roth IRA cannot recontribute for 2019, wait till 2020?
Replies: 12
Views: 1385

Withdrew 6K Roth IRA cannot recontribute for 2019, wait till 2020?

Hi I had contributed 6K to 2019 Roth IRA @Vanguard Jan 2019. I had a need and removed 6K, ( i have previously been doing 5.5K last 3 years) so had a big balance.obviously i cannot select the year of contribution, however my understanding is your contributions can always be removed tax free?? And tha...
by elderwise
Tue Jun 25, 2019 2:27 pm
Forum: Investing - Theory, News & General
Topic: Accumulating ETF's why are we (US tax payers) prohibited?
Replies: 12
Views: 1416

Accumulating ETF's why are we (US tax payers) prohibited?

Not to get political or anything, but does anyone know a *sound* reason or logic behind blocking / not allowing US citz / persons from buying accumulating ETF's? I am trying to understand the rationale, is that their returns are better somehow (IWDA , etc) that the IRS / US system does not want taxp...
by elderwise
Mon Jun 24, 2019 2:55 pm
Forum: Forum Issues and Administration
Topic: I am rejecting from reading a post
Replies: 11
Views: 2461

Re: I am rejecting from reading a post

Since this is BH' wondering like how Morning Start has a Premium subscription service ** if we can have a BH premium subscription account that allows us to view *ahem* only VIEW those threads. I am always more intrigued about whats lurking there (i know what the message means).Sometimes nice ones ar...
by elderwise
Tue May 28, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: Car Registration at a different address (spouse DL) financing in husband
Replies: 2
Views: 308

Car Registration at a different address (spouse DL) financing in husband

I am wondering if this is possible, Husband works in County A, resides in county A. Wife lives / works in County B, kids live / go to school in county B. Husband wants to buy new car for wife, and finance it with his credit solely, and use wife's address to register the purchase, insurance also at s...
by elderwise
Wed May 15, 2019 8:56 am
Forum: Investing - Theory, News & General
Topic: Dividends almost Doubled between 2013 and now
Replies: 96
Views: 7729

Re: Dividends almost Doubled between 2013 and now

I am interested if someone can tell how the situation changes say under this hypothetical situation (No taxation on dividend income ) but taxation on LTCG stock sold. 1. You have 100,000 paying dividend at around 4% or 4000 no tax. 2. You liquidate shares / stock / MF et preferable LTCG rates of 0-2...
by elderwise
Wed May 08, 2019 3:27 pm
Forum: Personal Investments
Topic: investment for infant
Replies: 29
Views: 2890

Re: investment for infant

I never discuss financial matters with my kids, well ,maybe when they were in diapers and I never explain the rules regarding UGMA & UTMA's beside you control the money even after they reach 18 or 21. Don't worry about their Corvette purchase because they have to know where the money is located in ...
by elderwise
Wed May 08, 2019 9:25 am
Forum: Personal Finance (Not Investing)
Topic: American in Japan: Roth IRA Not Worth It Unless Retiring in America?
Replies: 18
Views: 3463

Re: American in Japan: Roth IRA Not Worth It Unless Retiring in America?

But in most cases when you have a good expat salary (say upwards of 100K) all benefits (housing, flights back to US, etc etc schooling for kids if any) are considered taxable income then you total comp --> increases much more. I would honestly say if you make good money and pay 0 taxes via FEIE ther...
by elderwise
Thu May 02, 2019 2:59 pm
Forum: Personal Consumer Issues
Topic: Wifi extenders vs Mesh network
Replies: 54
Views: 4336

Re: Wifi extenders vs Mesh network

Honestly this whole speeds thing is over rated, and over hyped. For most home users, unless you *are* the techy kind of person who has Plex, multiple netflix 4K streams etc etc, NAS storage streaming / serving files of high ~GB.The 2.5 G vs 5 Ghz speed differences should not really matter. Just my $...
by elderwise
Thu May 02, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Are these 50% off Netflix cards a scam ?
Replies: 8
Views: 1872

Re: Are these 50% off Netflix cards a scam ?

I relate to you a personal experience of buying a 100$ SBUX gift card for much lower not 50% off more like 75$.This was years ago AT that time I did not realize , just thought it was a damn good deal on ebay.After purchasing, the seller emailed me like 10 codes worth $10 each (in redeemable value) A...
by elderwise
Wed May 01, 2019 9:36 am
Forum: Personal Finance (Not Investing)
Topic: What if I Never Buy a House?
Replies: 109
Views: 16713

Re: What if I Never Buy a House?

I have an interesting question to ask those who live in apartment / condos / town homes with shared walls with the at least one wall (bedroom). If you have kids, and say the kids have their own bedroom and the other wall is shared by a young couple mid 20-30's and very loud *ahem* noises at night .....
by elderwise
Wed May 01, 2019 8:41 am
Forum: Non-US Investing
Topic: My Life as a Japanese Investor
Replies: 13
Views: 2778

Re: My Life as a Japanese Investor

Wow, interesting information.. I thought Rakuten.com was an online shopping website, is this the same Rakuten??? in Japan they are a Brokerage firm???? Also if investing in an Individual Foreign Stock (say Nestle EU for ex) for US citizens how do we figure out if its PFIC? Is PFIC only for foreign M...
by elderwise
Tue Apr 23, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: Not Maxing 401K OK?
Replies: 53
Views: 5770

Re: Not Maxing 401K OK?

Came across this article: What if You Always Maxed Out Your 401(k)? https://retireby40.org/what-if-always-maxed-401k/ You would have accumulated $1M in 25 years if invested in SP500. https://lh3.googleusercontent.com/dHcO6kYR7Yx9gwCrAi6RWdN25R-dAfGQ0mTCoNVT5dt7OOO6cz-jOVYhtfBq6PGWGhxUpCsDQW_m5tE0ic...
by elderwise
Wed Apr 17, 2019 7:50 am
Forum: Personal Investments
Topic: Recently relocated to the US from Canada and need some advice...
Replies: 4
Views: 402

Re: Recently relocated to the US from Canada and need some advice...

I am just curious, since you mentioned you already have a US green card.How do you pay / file taxes as a US tax payer?? 1) Investment fund that we've held for ~5 years. It is focused on Canadian start ups. We have >$4M Canadian in this fund which has returned >10% per year for the 5 years we've held...
by elderwise
Tue Apr 16, 2019 2:44 pm
Forum: Personal Consumer Issues
Topic: Migrating to better weather in retirement -- rent a timeshare or buy a vacation home?
Replies: 21
Views: 2147

Re: Migrating to better weather in retirement -- rent a timeshare or buy a vacation home?

20 years ago, and 10 years before retirement, we decided to buy a winter home in Palm Desert, CA, in a golf course community. I thought it would be better to rent for five months each year, but DH wanted to own. Paid cash, under $250K. It costs about $10K per year in yard and house maintenance, tax...
by elderwise
Tue Apr 16, 2019 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Can we afford this house ?
Replies: 20
Views: 2116

Re: Can we afford this house ?

I think we need to know what is the gross income combined both make?

adding in back taxes i got around 97K they make?? if thats right perhaps its doable?? a bit of a stretch tho still..
by elderwise
Tue Mar 19, 2019 11:57 am
Forum: Personal Finance (Not Investing)
Topic: Car Dealer Promo: 0% for 60 months (need advice)
Replies: 25
Views: 2610

Re: Car Dealer Promo: 0% for 60 months (need advice)

I have never heard of Honda doing a 0% APR for Odyssey, Sienna (toyota) does. are you sure its 0% and not 0.9% what they usually offer(everywhere) can you tell me the dealership? would be interesting to see if any dealers in my area offer. Usually this is manufacture promotion and since Honda does n...
by elderwise
Tue Mar 12, 2019 8:15 am
Forum: Personal Investments
Topic: Time to buy Boeing?
Replies: 74
Views: 7445

Re: Time to buy Boeing?

Time to buy Boeing was last year when it went down to $320. I missed it at 304 :twisted: , jokes aside yes there is significant risk.but people who have tons of play money are the ones who can really make a decent profit So say i had purchased 1000 shares at 304, 304,000$ and if sold at 420 or 400 ...
by elderwise
Mon Mar 11, 2019 12:15 pm
Forum: Personal Investments
Topic: 457 vs. taxable account
Replies: 19
Views: 1431

Re: 457 vs. taxable account

There;s another thing that certain states like Illinois do NOT tax govt / State pension from State of Illinois, not sure how that would work into your calculations should you decide to roll over part of your public pension into a rollover IRA.
by elderwise
Mon Mar 11, 2019 10:57 am
Forum: Investing - Theory, News & General
Topic: Finally received my settlement from Lehman Brothers - how I became a Boglehead
Replies: 20
Views: 4065

Re: Finally received my settlement from Lehman Brothers - how I became a Boglehead

this sounds similar (methodology) to the magic sauce that HFT's like Jim S. etc use...
by elderwise
Fri Mar 08, 2019 12:08 pm
Forum: Personal Consumer Issues
Topic: attacked by off-leash dog
Replies: 220
Views: 8304

Re: attacked by off-leash dog

Where is OP??????
by elderwise
Wed Feb 27, 2019 11:21 am
Forum: Investing - Theory, News & General
Topic: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]
Replies: 3353
Views: 284976

Re: HEDGEFUNDIE's excellent adventure [risk parity strategy using 3x leveraged ETFs]

Is taxable account better for holding this mix or a tax deferred (401k, ira etc)

or it doesn't matter?

w.r.t when re balancing etc.

Thanks,
by elderwise
Tue Feb 26, 2019 9:35 am
Forum: Personal Investments
Topic: Opening up a ROTH for my nieces
Replies: 20
Views: 1407

Re: Opening up a ROTH for my nieces

They are both US citizens but Iive overseas. Opening accounts with an overseas address is difficult. Would they be using your US address? Do they plan to eventually return to the US? Do they understand the tax treatment (if any) of a US Roth account by their present country(ies)? Unclear what they ...
by elderwise
Fri Feb 22, 2019 11:57 am
Forum: Personal Investments
Topic: Beware of the Edward Jones neighborly visit.
Replies: 89
Views: 9140

Re: Beware of the Edward Jones neighborly visit.

I have a slightly related question, say if the place is NOT a private road / apartment complex just a regular subdivision. Is soliciting door to door legal? for anything like Snow cleaning / lawn services , IT services lol..? I know nobody does that because ROI is next to nothing but for a FA it mea...