Search found 4647 matches

by aristotelian
Thu Oct 18, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1411

Re: PPO vs HDHP + HSA

If I contribute $7,000 to the HSA, I figure I would be saving $2,642 in taxes plus the $1,400 company match, which would be an additional $4,042 in my pocket if I go with the HDHP. Worst case scenario, if I spend the max of $7,000 out of pocket in network, that's $4000 more than I would have spent ...
by aristotelian
Thu Oct 18, 2018 2:07 pm
Forum: Investing - Theory, News & General
Topic: flat for the year
Replies: 27
Views: 2292

Re: flat for the year

bloom2708 wrote:
Thu Oct 18, 2018 10:59 am
kaeltor wrote:
Thu Oct 18, 2018 10:34 am
Is it safe to say we are officially in correction territory? :?: :confused
A correction would -10%. Not even close to that YTD.

This has been an up and down year but far from a -10, -20+ down year. Then, the year isn't over.
Correction is 10% from peak. I believe we are close to that.
by aristotelian
Thu Oct 18, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: Top stocks of 2000 trail the market over the next 18 years
Replies: 37
Views: 2241

Re: Top stocks of 2000 trail the market over the next 18 years

Interesting to look at the historical components of the Dow. Going back to 1985, I think 3M, Exxon, Merck, and P&G are the only ones that remain. Stands to reason that what goes up most come down. However, the hard part would be predicting when. It may not be the case that S&P-10 would outperform ov...
by aristotelian
Thu Oct 18, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: HSA-like vehicle for self-employed without high deductible plan?
Replies: 3
Views: 359

Re: HSA-like vehicle for self-employed without high deductible plan?

PaddyMac wrote:
Thu Oct 18, 2018 12:22 am
You could open a SEP-IRA as an employer and contribute about 20% of your net profit. It's not double dipping.

Also check out SIMPLE plan, as I believe it's better for low income.
Solo 401k is generally better than SEP due to ability to make employ-ee contributions up to $18,500.
by aristotelian
Thu Oct 18, 2018 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Heavy Loss in Stable Value Fund of 401k investments
Replies: 23
Views: 2256

Re: Heavy Loss in Stable Value Fund of 401k investments

Would you mind sharing the name of the fund?
by aristotelian
Thu Oct 18, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard vs Charles Schwab ETFs
Replies: 4
Views: 315

Re: Vanguard vs Charles Schwab ETFs

You can buy Schwab ETFs (in fact, all ETFs) through Vanguard commission free, so there is no reason to switch custodians even if you want to switch to Schwab.
by aristotelian
Thu Oct 18, 2018 9:39 am
Forum: Personal Finance (Not Investing)
Topic: Kids inherited $8,000 each - 529 or regular brokerage?
Replies: 29
Views: 1672

Re: Kids inherited $8,000 each - 529 or regular brokerage?

ParlayBogle wrote:
Thu Oct 18, 2018 9:33 am
Putting the $ in my own name is not something I'm willing to do, even if it's optimal. It's their money, and I cannot just appropriate it.
Where is the money now? If it was given as a check in their name, I don't think putting it in your name would even be an option. Not sure about 529.
by aristotelian
Thu Oct 18, 2018 9:13 am
Forum: Investing - Theory, News & General
Topic: BRKB overlap with VTSAX overweight AAPL?
Replies: 3
Views: 211

Re: BRKB overlap with VTSAX overweight AAPL?

No, because the index owns BRK at its market weight with its AAPL stake priced in.
by aristotelian
Thu Oct 18, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Kids inherited $8,000 each - 529 or regular brokerage?
Replies: 29
Views: 1672

Re: Kids inherited $8,000 each - 529 or regular brokerage?

Ultimately as guardian you should be putting the money in a relatively risk free place that keeps options open for your children unless they have specifically consented to using it for college. And I don’t think an eight year old is capable of that consent Not true at all. A guardian is a guardian ...
by aristotelian
Thu Oct 18, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Money Markets and CDs now
Replies: 6
Views: 1714

Re: Money Markets and CDs now

If interest rates keep going up, it is a good strategy and you will get a small win. If something unexpected happens, you will underperform, very likely at the worst time (eg stock crash with rates going to zero). Since nobody knows the future, it is better to have a good long term plan and stick wi...
by aristotelian
Thu Oct 18, 2018 7:59 am
Forum: Investing - Theory, News & General
Topic: Forever Stamps as an Investment?
Replies: 25
Views: 2035

Re: Forever Stamps as an Investment?

Biggest risk is losing or spilling coffee on them. If you are looking for guaranteed inflation adjusted return, stick with I Bonds and TIPS.
by aristotelian
Tue Oct 16, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover Timing Risk
Replies: 6
Views: 292

Re: Rollover Timing Risk

Can you do a couple of partial rollovers?
by aristotelian
Tue Oct 16, 2018 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: 8-month windfall check-in
Replies: 17
Views: 2884

Re: 8-month windfall check-in

Absolutely, there is never a bad time to realize losses. Great, so just to be sure I'm getting this right: I should sell all of the VFIFX in my taxable account and move the proceeds into a combination VTSAX and VTIAX. Then, I should sell the VFIFX in the IRAs and move the proceeds into VBTLX. If I ...
by aristotelian
Mon Oct 15, 2018 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: My biggest mistake - market timing
Replies: 62
Views: 8929

Re: My biggest mistake - market timing

OP, what if you invest accounts in your name 100% stocks and accounts in his name 100% cash and short term bond, what would your allocation be?
by aristotelian
Mon Oct 15, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: 8-month windfall check-in
Replies: 17
Views: 2884

Re: 8-month windfall check-in

ticktocker wrote:
Mon Oct 15, 2018 1:40 pm
Hey - just following up on this. With the downswing in the market, I'm now at a loss of around $5500 on the 20,000 VFIFX shares. Would now be a good time to sell and reallocate? Thanks.
Absolutely, there is never a bad time to realize losses.
by aristotelian
Mon Oct 15, 2018 11:26 am
Forum: Investing - Theory, News & General
Topic: Better to invest in taxable and not deferred?
Replies: 31
Views: 3019

Re: Better to invest in taxable and not deferred?

You would only not invest in 401k/deferred if you expected that deferred tax would be higher than your current tax. For the vast majority of people at the peak of their earning power, their retirement tax rate will be lower. Remember that we are talking about taxable income, not spending. Once you a...
by aristotelian
Mon Oct 15, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 71
Views: 8553

Re: Larry Swedroe: Prepare For The Bear

Too bad he didn't write this article a couple of weeks ago. Could have saved us all a lot of money.
by aristotelian
Mon Oct 15, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: Schwab-specific TLH question - SCHF/SCHE
Replies: 11
Views: 422

Re: Schwab-specific TLH question - SCHF/SCHE

Edit: So Schwab gave me some free trades. My current plan is to TLH fully into VWO and VEA from SCHE and SCHF, respectively. I would then subsequently need to determine how to accumulate moving forward as you point out. If the ex-US markets are still down I could just sell out and move back to the ...
by aristotelian
Mon Oct 15, 2018 9:15 am
Forum: Investing - Theory, News & General
Topic: Schwab-specific TLH question - SCHF/SCHE
Replies: 11
Views: 422

Re: Schwab-specific TLH question - SCHF/SCHE

Yes, Vanguard ETF's all work as they follow different indices. I believe you should be on solid ground with comparable iShares and SPDR ETF's as well. The problem with Schwab is that you will have to pay trading fees to harvest into and out of non-Schwab funds. I did chat with a Schwab rep and menti...
by aristotelian
Sat Oct 13, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: What to do with inheritance
Replies: 17
Views: 2356

Re: What to do with inheritance

I like the idea of paying off your mortgage. Use the cash flow to max your retirement accounts. Any cash left from the mortgage payoff invest in brokerage account. Revisit your overall allocation. Now you have less need to take risk, but greater ability to do so. You could play it either way.
by aristotelian
Fri Oct 12, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: After Tax 401k Contri's vs Trad 401k vs Roth 401k
Replies: 23
Views: 866

Re: After Tax 401k Contri's vs Trad 401k vs Roth 401k

OP, you might also do a search for "megabackdoor Roth".
by aristotelian
Fri Oct 12, 2018 10:01 am
Forum: Investing - Help with Personal Investments
Topic: To Roth IRA or Not
Replies: 13
Views: 982

Re: To ROTH IRA or Not

I would definitely do 457 ahead of Roth as long as it's a good plan with good options. Roth IRA with pretax employer account is generally a good combination. If you stop at 55, would you have an option to delay the pension or take a lump sum? If so, that would definitely argue for saving pretax as m...
by aristotelian
Fri Oct 12, 2018 6:38 am
Forum: Investing - Theory, News & General
Topic: Does it make sense to consider that stocks are 'on sale' when there's a correction?
Replies: 84
Views: 4251

Re: Does it make sense to consider that stocks are 'on sale' when there's a correction?

The idea is that it is better to buy 10 shares for $900 than it is to pay $1000. If your expectation is that the market will eventually go to $200, it would be better to have a correction at the beginning of your accumulation than when the market is at $199.
by aristotelian
Thu Oct 11, 2018 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Pls help us design our family life!!!
Replies: 41
Views: 4666

Re: Pls help us design our family life!!!

You need to cut your expenses, or keep working.
by aristotelian
Thu Oct 11, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest international small cap with what?
Replies: 11
Views: 403

Re: Tax loss harvest international small cap with what?

SCHC. Low expense ratio. You would be losing emerging small caps and it contains 2000 stocks vs 3000.
by aristotelian
Thu Oct 11, 2018 8:49 am
Forum: Investing - Theory, News & General
Topic: When Both Stocks and Bonds Fall, Where Does the Money Go?
Replies: 12
Views: 1776

Re: When Both Stocks and Bonds Fall, Where Does the Money Go?

I suppose cash, as people wait for the dust to settle. The bots must have decision rule to avoid anything until the VIX gets back to a normal number.
by aristotelian
Wed Oct 10, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: Any natural hedges to stocks?
Replies: 17
Views: 1662

Re: Any natural hedges to stocks?

Bonds are still probably your best bet. If we enter a true bear market, interest rates will go back to zero and bonds will go up. Sometimes they correlate but overall the correlation is zero. You can also buy individual bonds if you don't like seeing the price drop when rates rise.
by aristotelian
Wed Oct 10, 2018 10:23 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7393
Views: 1550615

Re: Stocks tumbling?

Anyone know what could potentially be causing this drop? There does not appear to be any significant recent events that could cause investors to be concerned. Bond yields going up. Also, the stock prices went up for a long, long time in absence of any positive recent events to justify those moves. ...
by aristotelian
Wed Oct 10, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Argument for taking social security before 70. Comments?
Replies: 134
Views: 10170

Re: Argument for taking social security before 70. Comments?

Ged wrote:
Wed Sep 12, 2018 8:10 am
The thing that pushed me to delaying benefits was that I could use some additional space in a lower tax bracket for ROTH conversions, thereby reducing future RMDs.
+1. The break-even on SS dollars is only one factor if claiming early loses more of your investment portfolio to tax.
by aristotelian
Wed Oct 10, 2018 10:05 am
Forum: Investing - Help with Personal Investments
Topic: Pre-Tax TIAA Traditional vs taxable VWITX
Replies: 5
Views: 455

Re: Pre-Tax TIAA Traditional vs taxable VWITX

Too complex to say without more information. The biggest consideration is whether you have a lot of your assets in the 401k subject to ordinary income tax on distributions. If your 401k is getting to big, you will want to put most of your fixed income there so as to have growth occur in Roth and tax...
by aristotelian
Tue Oct 09, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: FIRE within 5 years with high income?
Replies: 16
Views: 4692

Re: FIRE within 5 years with high income?

I agree on changing the TDF to a bond index, as this will be my tax efficient bond holding. Here's the one thing I'm curious about...that scares me. I looked at the TDF I have all my 401k in: https://individuals.voya.com/product/mutual-fund/profile/voya-target-retirement-2050-fund It says: "Current...
by aristotelian
Tue Oct 09, 2018 10:50 am
Forum: Personal Consumer Issues
Topic: Dayton, Ohio -- Worth Visiting?
Replies: 39
Views: 2954

Re: Dayton, Ohio -- Worth Visiting?

If you are into more urban experiences (restaurants etc) Columbus is definitely the better bet. Safety is not a problem in any of the tourist areas. If you are coming primarily for the Air Force Museum, it is probably better to stay in one of the chain hotels in that area rather than the limited opt...
by aristotelian
Tue Oct 09, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: New Car: No Collision/Comprehensive?
Replies: 52
Views: 4220

Re: New Car: No Collision/Comprehensive?

Sure, actuarily speaking, the insurance company is coming out ahead. Still,I just don't want to be in a position of spending $30-$40K twice on a car, even if I could afford to do so. The same could be said for probably 99% of health emergencies but I still get health insurance. The peace of mind of ...
by aristotelian
Mon Oct 08, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Evaluate net worth - FIRE really that close?
Replies: 56
Views: 7631

Re: Evaluate net worth - FIRE really that close?

Ron Scott wrote:
Mon Oct 08, 2018 10:43 am
We do not get a lot of do-overs in retirement, so better safe than sorry...
We also don't get do-overs on life. I guess the question is what you hope to accomplish in life and what you regard as failure.
by aristotelian
Mon Oct 08, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Can we safely retire early?
Replies: 18
Views: 3278

Re: Can we safely retire early?

You are solidly in "one more year" territory, where you could retire early and be fine, but it would probably be safer to wait. I am getting a budget of $56K @ 3.5% withdrawal rate. If I understand correctly, you need to cover $70K until claiming SS. Seems like you are pushing it a bit. Then again, ...
by aristotelian
Mon Oct 08, 2018 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Talk me out of buying a Tesla Model 3
Replies: 191
Views: 10809

Re: Talk me out of buying a Tesla Model 3

investor997 wrote:
Mon Oct 08, 2018 12:01 pm

No kids
No debt


So... am I crazy?
You can do whatever you damn please.
by aristotelian
Mon Oct 08, 2018 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in total bond funds now?
Replies: 8
Views: 1755

Re: Investing in total bond funds now?

Yields are higher than they have been in 6-7 years. Should be a fine time to buy.

They could go higher still, but then again, stocks could crash and you will be very glad you have some of your portfolio in bonds.
by aristotelian
Mon Oct 08, 2018 12:26 pm
Forum: Personal Consumer Issues
Topic: roof leak thread
Replies: 7
Views: 853

Re: roof leak thread

Could be coming in from windows depending on where the wet spots are.
by aristotelian
Mon Oct 08, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: 1099 employee for the first time. Help?
Replies: 10
Views: 469

Re: 1099 employee for the first time. Help?

2. Yes, it is easier to deduct business expenses now that she is self employed. Take a look at Schedule C or do a mock one using Turbotax or similar software. 3. Yes, she will probably want to do a Solo 401k (note, this is technically an employer plan, not an IRA. She can do a separate IRA in additi...
by aristotelian
Mon Oct 08, 2018 10:47 am
Forum: Investing - Help with Personal Investments
Topic: Evaluate net worth - FIRE really that close?
Replies: 56
Views: 7631

Re: Evaluate net worth - FIRE really that close?

I don't mind you guys vaporizing 400k of my net worth but please don't also cut 2 years off my life! I'll be 65 and broke by the time you guys are done with me. Mortgage has about 300k to go. Company stock is restricted and I liquidate immediately upon availability. We don't want that, but we want ...
by aristotelian
Mon Oct 08, 2018 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Evaluate net worth - FIRE really that close?
Replies: 56
Views: 7631

Re: Evaluate net worth - FIRE really that close?

How much is left on your mortgage? If you have $1M to go, then you are basically at zero. If it is 99% paid off, you are much closer. You have a lot of your portfolio in company stock. What happens there is very unpredictable. Can you liquidate any of it? I would not count on it, or value it very, v...
by aristotelian
Sun Oct 07, 2018 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Can you give "spousal" health insurance to a non-spouse?
Replies: 31
Views: 1537

Re: Can you give "spousal" health insurance to a non-spouse?

AlphaLess wrote:
Sun Oct 07, 2018 7:48 pm
Is the friend a domestic partner?
+1. I don't get the discrimination remark unless the person is in a relationship of some kind. In that case, they could be eligible. Our employer added domestic partners a few years ago.
by aristotelian
Sun Oct 07, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone used software to write a Will?
Replies: 15
Views: 1270

Re: Has anyone used software to write a Will?

Better than having no will.
by aristotelian
Sun Oct 07, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Sell vwiux and buy 1 yr tbills? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 8
Views: 497

Re: Sell vwiux and buy 1 yr tbills?

Sounds like you would be buying high and selling low. The yield is way up from when you bought. I would just hold. Maybe harvest the losses and reinvest in a fund with the same duration.
by aristotelian
Sat Oct 06, 2018 11:05 am
Forum: Personal Finance (Not Investing)
Topic: How to merge three brokerage accounts at Vanguard?
Replies: 11
Views: 1441

Re: How to merge three brokerage accounts at Vanguard?

I called them. I was told that all I need to do is sell in one account and purchase in another. This doesn't make sense to me. A "sell" is a sell and it doesn't move the dollar value anywhere. It just stays in the settlement fund in the original account. Could you explain this again? Or maybe you a...
by aristotelian
Fri Oct 05, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: can i start a private investment firm?
Replies: 70
Views: 5078

Re: can i start a private investment firm?

How about just opening a joint account?
by aristotelian
Fri Oct 05, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Flattening yield curve
Replies: 55
Views: 4805

Re: Flattening yield curve

stlutz wrote:
Thu Oct 04, 2018 10:25 pm
This article explains pretty succinctly how an inverted yield curve causes a recession:

https://www.financialsamurai.com/unders ... predictor/
The article says "predicts", not causes.
by aristotelian
Fri Oct 05, 2018 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: seeking advice: bond funds vs CDs/Treasuries
Replies: 3
Views: 715

Re: seeking advice: bond funds vs CDs/Treasuries

I think CDs are better because they usually have a better yield than equivalent duration treasuries particularly in tax advantaged account. You can build a ladder by putting 4/5ths in a 1 year cd and buying a 5 year with the other 1/5. Do that for 5 years. That minimizes interest risk. They don’t g...
by aristotelian
Fri Oct 05, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Correlation between the FIRE movement and one of the greatest bull markets
Replies: 158
Views: 13311

Re: Correlation between the FIRE movement and one of the greatest bull markets

My two cents: in previous generations, a big bull market would mean more money to spend, not more money to save and invest. What seems to be new is the frugality, anti-materialism, and renewed focus on fulfillment rather than consumption. Of course, you will see more people nearing or approaching th...