Search found 26 matches

by SLHI
Sat Dec 08, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 971
Views: 104677

Re: [What TV Show Have You Recently Watched?]

It's the very best/most faithful book-to-TV adaption I have ever seen. I binge-watched the first two seasons and then immediately began binge-listening to the audio-books (which have also quickly become favorites) Funny, I did not binge-listen but binge-read the book series after I watched the enti...
by SLHI
Sat Dec 08, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 971
Views: 104677

Re: [What TV Show Have You Recently Watched?]

The Expanse, available on Amazon Prime. It's a Sci-fi taking place in a futuristic setting in which humans have colonized Mars and the outer regions of our solar system. There's high political friction between Earth, Mars, and the outer planet governments, and the tragic destruction of The Canterbur...
by SLHI
Sat Oct 13, 2018 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Money Market vs Online Savings Account
Replies: 3
Views: 676

Re: Vanguard Money Market vs Online Savings Account

arf30 wrote:
Sat Oct 13, 2018 5:00 pm
VMFXX is something like 70% state/local tax exempt, VUSXX is 100% exempt. Savings accounts are taxed at the marginal tax rate.
SLHI wrote:
Sat Oct 13, 2018 3:55 pm
To my understanding, your bank account and a vanguard money market are taxed the same.
Thanks for clarifying that!
by SLHI
Sat Oct 13, 2018 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Money Market vs Online Savings Account
Replies: 3
Views: 676

Re: Vanguard Money Market vs Online Savings Account

Welcome!

To my understanding, your bank account and a vanguard money market are taxed the same. The biggest difference is that the Vanguard money market is not FDIC insured -- your existing savings account's rate is so similar that it is probably unjustified to move it all over to the money market.
by SLHI
Wed Aug 29, 2018 8:38 am
Forum: Investing - Help with Personal Investments
Topic: HSA - Vanguard Investments; Low Cost
Replies: 16
Views: 1038

Re: HSA - Vanguard Investments; Low Cost

I'm not an expert on HSAs by any means, but I use Lively for mine. They just charge $2.50/month. Vanguard funds are not commission free on TD-Ameritrade, though, so it's 6.95 per trade unless you go with one of their listed commission free etfs.
by SLHI
Thu May 17, 2018 9:43 am
Forum: Investing - Theory, News & General
Topic: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%
Replies: 106
Views: 11835

Re: YTD: VBTLX down 2.28%; VBILX down 2.99%; VTSAX down 0.23%

Isn't now the time to buy, when prices are dropping?
by SLHI
Sat Jan 20, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Lost money through Bitconnect scam - learned my lesson
Replies: 94
Views: 9338

Re: Lost money through Bitconnect scam - learned my lesson

Stinks man. Thanks for sharing your experience with us. I hope future me won't get enticed into the same mistake.
by SLHI
Wed Oct 04, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: On the video games path - how to set it up with younger kids
Replies: 36
Views: 2708

Re: On the video games path - how to set it up with younger kids

Personally (I'm 25), I wish I never had video games in my household in my childhood. Even with time controls my parents had for my brothers and I, all I thought of was video games. I like to think I'd have put my mind to more productive and meaningful pursuits earlier if I didn't have the video game...
by SLHI
Sun Sep 24, 2017 7:51 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 55
Views: 5594

Re: Thoughts on Barefoot/Minimalist Running

I gave up normal shoes about a year ago. All normal kinds of shoes are uncomfortable for me, and I much prefer my toes to have more wiggle room. I discovered LEMS minimalist shoes last year and I can never go back! They feel more like socks than shoes, and they have kinds for more than just running....
by SLHI
Sat Aug 19, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 89
Views: 28005

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

What I feel very uninformed about is who to vote for for the board of trustees in proposal 1 -- their short blurbs don't really say all that much about them or why they are fit for the position over the others. I don't really feel fine with blindly voting yes for all of them--guess I'll have to do s...
by SLHI
Thu Aug 10, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8502
Views: 1666811

Re: U.S. stocks in freefall

I always imagined a stock freefall to be more dramatic than 1.5% =P
by SLHI
Mon Nov 28, 2016 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation Advice
Replies: 11
Views: 1591

Re: Portfolio Allocation Advice

Wow, thank you everyone for all of your input! My point is to take advantage of the favorable capital gains tax rates when you can. I am concerned, however, that focusing too much on tax efficiency will perhaps result in much lower returns from retirement savings plans. Pretty much I am saying that ...
by SLHI
Fri Nov 25, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: Black Friday - is this overdone?
Replies: 77
Views: 10212

Re: Black Friday - is this overdone?

I have never seen any appeal or point in black Friday shopping--It brings out the worst of people (greed, selfishness, envy), and I don't want to be affiliated with the event at all. I also am not materialistic and am very lucky to have a family that--mostly--values people and experiences over 'stuf...
by SLHI
Fri Nov 25, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Questions for musicians - piano - gift
Replies: 8
Views: 1059

Re: Questions for musicians - piano - gift

It's wonderful that your niece is starting off with piano at such a young age, and is enjoying it! If it helps any, in my own experience, you won't want anything less than full size. She will quickly grow out of it size-wise and it will limit her learning as she progresses further--you will soon fin...
by SLHI
Thu Nov 24, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation Advice
Replies: 11
Views: 1591

Re: Portfolio Allocation Advice

Thank you for the reassurance Toons!
by SLHI
Thu Nov 24, 2016 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation Advice
Replies: 11
Views: 1591

Portfolio Allocation Advice

I am 24 and am still learning a lot on how to invest properly. Right now my portfolio is structured in a mirrored allocation in which I am keeping the same proportions of each fund in both my taxable and Roth account. However, I am hearing that the "whole portfolio" approach may work better for me t...
by SLHI
Wed Nov 09, 2016 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: 21 Year Old with Little Savings
Replies: 16
Views: 2291

Re: 21 Year Old with Little Savings

I'm a proponent of the 3 fund portfolio that has been mentioned above. When you decide to begin investing, you do not need to start with all three funds though. I am 24 and only hold VTSAX (VTSMX in your case), and Total International (VGTSX) in both my Roth and Taxable. I do not plan to hold bonds ...
by SLHI
Fri Nov 04, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: International Investing & Taxes
Replies: 3
Views: 665

Re: International Investing & Taxes

I haven't--I'll go read it. Thanks for the link!
by SLHI
Fri Nov 04, 2016 3:51 pm
Forum: Investing - Theory, News & General
Topic: International Investing & Taxes
Replies: 3
Views: 665

International Investing & Taxes

How much do taxes affect the performance of VTIAX in a portfolio? When I look at VTIAX on Morningstar, It looks like a significant portion of the returns are eaten away by taxes. Does it take into account the tax credit allowed with taxable accounts? How much of a dividend or capital gain will be ta...
by SLHI
Wed Nov 02, 2016 10:34 pm
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 80
Views: 11157

Re: How much international?

My equity portfolio is allocated at 70% TSM (USA) and 30% Total International. This topic is very interesting to me because it's such a grey area with no real consensus. There are many perspectives to consider based on historical data in support of holding a significant amount of, or lack there of, ...
by SLHI
Thu Oct 27, 2016 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good asset allocation for a 25 year old?
Replies: 15
Views: 1532

Re: Is this a good asset allocation for a 25 year old?

kccross1 wrote:Would you recommend this VWITX intermediate muni bond instead of the longer term government bond currently hold?
Yep! That's what I'd have in my taxable if I had bonds in there :D
by SLHI
Thu Oct 27, 2016 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good asset allocation for a 25 year old?
Replies: 15
Views: 1532

Re: Is this a good asset allocation for a 25 year old?

It seems like a lot of investors prefer the total stock market over the S&P 500. I wish I would have done a little more research before I invested 50K into the Vanguard S&P 500 index fund. Don't kick yourself too hard, VTSAX and VTFIAX follow each other very closely anyways (VTSAX is 75% large cap!...
by SLHI
Thu Oct 27, 2016 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good asset allocation for a 25 year old?
Replies: 15
Views: 1532

Re: Is this a good asset allocation for a 25 year old?

I am no expert (I'm a new, 24 year old, investor myself), but I am keeping my portfolio simple and aggressive (since I will not be touching it for quite some time): 75% VTSAX (Total Stock Market) 25% VTIAX (Total International) --- You may consider trimming down your portfolio further. The total bon...
by SLHI
Mon Oct 03, 2016 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor -- Portfolio Guidance Please!
Replies: 6
Views: 861

Re: New Investor -- Portfolio Guidance Please!

Thank you for the insights! I suppose tilting could be viewed as kind of like placing a bet on the future.
by SLHI
Mon Oct 03, 2016 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor -- Portfolio Guidance Please!
Replies: 6
Views: 861

Re: New Investor -- Portfolio Guidance Please!

Treat the two accounts as a single portfolio. There's no need to duplicate the funds in each. Doing so can just make rebalancing more of a chore. What's the point of the tilts? Why not have VTSAX in one and VTIAX in the other and call it done? :D My limited knowledge leads me to believe that small-...
by SLHI
Mon Oct 03, 2016 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: New Investor -- Portfolio Guidance Please!
Replies: 6
Views: 861

New Investor -- Portfolio Guidance Please!

I have just started investing, and am in my lower twenties. I would like some feedback on my plan for my final asset allocations. Also -- I have intentionally left out bonds in my portfolio for now--I am young and want to keep my portfolio on the aggressive side. I will be treating my taxable as my ...