Search found 4837 matches

by aristotelian
Sun Dec 09, 2018 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k Advice
Replies: 16
Views: 504

Re: Solo 401k Advice

Yes, she qualifies. She could do roughly 20% of $59k. TurboTax could tell you an exact number once you have all your 1099s and deductions in hand. I believe the account needs to be opened ASAP but you would have until April 15 to co tribute. These would be coded as employer contributions since she h...
by aristotelian
Sun Dec 09, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: PC Build Suggestions
Replies: 14
Views: 810

Re: PC Build Suggestions

OP, I would suggest posting your build to Tomshardware forums. You will get detailed feedback, like Bogleheads for your portfolio.
by aristotelian
Sun Dec 09, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: 0% Long Term Capital Gain rate?
Replies: 9
Views: 795

Re: 0% Long Term Capital Gain rate?

Was just reading the most recent AARP Bulletin and a comment about 0% long term capital gain tax rate for the first $77,200 (married/joint) caught my eye. Then I found the following article (link below). Looks like the LTCG rate was tied to the ordinary income tax rate but starting in 2018 that's n...
by aristotelian
Sun Dec 09, 2018 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, Fidelity round-trip violation
Replies: 7
Views: 581

Re: Tax loss harvesting, Fidelity round-trip violation

Sell the shares that you autopurchased along with any shares with losses. No wash sale.
by aristotelian
Sun Dec 09, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Stressed/Job loss/Retirement possible?
Replies: 34
Views: 3864

Re: Stressed/Job loss/Retirement possible?

I am sure you are in shock but anyone with $3m invested and a paid off house should be absolutely fine. You will just need to keep you expenses at a safe level and invest wisely. Rather than sorry for your job loss, I should say congratulations on your retirement.
by aristotelian
Sun Dec 09, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: ITOT $60, VTI $134 [iShares Total US vs. Vanguard Total Market]
Replies: 16
Views: 1153

Re: ITOT $60, VTI $134

It's an arbitrary number determined by the fund when it was created. A bigger number in effect reduces the bid/ask spread but also makes it harder to purchase new shares.
by aristotelian
Sat Dec 08, 2018 7:46 pm
Forum: Investing - Theory, News & General
Topic: Do long-term bonds belong in one's portfolio?
Replies: 113
Views: 4586

Re: Do long-term bonds belong in one's portfolio?

If a very long horizon investor wants ANY bonds, they should be long term only (maybe treasuries only for re-balancing but lower yield). If not, 100% stocks. A medium horizon investor should have more diversified bonds for reduced risk. (And should definitely hold bonds). A short term investor can ...
by aristotelian
Sat Dec 08, 2018 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for children’s money.
Replies: 17
Views: 1229

Re: Best place for children’s money.

If you are against 529, I am proposing to keep the money in your name and gift to the child at a later time. The money has already been given to the child and belongs to the child. It should not be put in the parent's name. Gill Good point. This would only be for money that the parent is saving on ...
by aristotelian
Sat Dec 08, 2018 3:04 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for children’s money.
Replies: 17
Views: 1229

Re: Best place for children’s money.

If you don't wish to do 529, I would just do a regular brokerage account. You can gift up to $15K tax free. The other alternative is UTMA, but you give up any control over how the funds are spent. As soon as the kid turns 18, they will be able to spend it on partying if they want. To me, the margin...
by aristotelian
Sat Dec 08, 2018 1:47 pm
Forum: Investing - Theory, News & General
Topic: You already own international stocks with VTSMX etc [Vanguard Total Stock Market]
Replies: 52
Views: 3698

Re: You already own international stocks with VTSMX etc

I am sure many Japanese investors said the same thing in the late '80s/early '90s.
by aristotelian
Sat Dec 08, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: Best place for children’s money.
Replies: 17
Views: 1229

Re: Best place for children’s money.

If you don't wish to do 529, I would just do a regular brokerage account. You can gift up to $15K tax free. The other alternative is UTMA, but you give up any control over how the funds are spent. As soon as the kid turns 18, they will be able to spend it on partying if they want. To me, the margina...
by aristotelian
Sat Dec 08, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Do long-term bonds belong in one's portfolio?
Replies: 113
Views: 4586

Re: Do long-term bonds belong in one's portfolio?

4) Correlation is zero but not negative. There may be a Black Swan where bond crash correlates with a stock crash. In fact we have seen a few instances recently of bonds and stocks having some quasi RBD's, and this could be expected if we were to experience a bear market in a period of low interest...
by aristotelian
Sat Dec 08, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: Do long-term bonds belong in one's portfolio?
Replies: 113
Views: 4586

Re: Do long-term bonds belong in one's portfolio?

I have thought about this as well and in fact posted similar ideas. Ultimately I have decided against them as the core of my bond allocation. 1) Because duration is so long, it may be many years for prices to recover. Many investors do not have that long of a timeframe, especially on the bond side. ...
by aristotelian
Fri Dec 07, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 258
Views: 44626

Re: Bonds - Throw it all on the table!!!

That's because this site espouses a religion. And like most religions, most of the followers definitely do not follow all of the precepts, even if they believe in principle. I do not see anywhere that the three fund portfolio is the be all and end all of investing. What I have gotten most out of th...
by aristotelian
Fri Dec 07, 2018 9:33 am
Forum: Investing - Help with Personal Investments
Topic: Wanting to buy on the dip today didn't workout
Replies: 44
Views: 5850

Re: Wanting to buy on the dip today didn't workout

I appreciate the comments and ideas! We simply wanted to know what would constitute the fastest way of making a purchase. Usually we simply direct monies out of our bank account when adding to our Roths, and we do so without trying to capture a certain price that has dipped. This was different, we ...
by aristotelian
Fri Dec 07, 2018 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Climate Concerns re: small Jersey Shore Vacation Home
Replies: 54
Views: 2895

Re: Climate Concerns re: small Jersey Shore Vacation Home

I would most definitely NOT assume that potential increased insurance costs or potential environmental damage due to storms or rising sea levels have been priced into the market. Real estate is not at all like the stock market and there is a lot of institutional, individual, and commercial denial a...
by aristotelian
Thu Dec 06, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: Why are market corrections "healthy"?
Replies: 27
Views: 1968

Re: Why are market corrections "healthy"?

A charitable way of saying it is that stocks are inherently volatile and corrections are to be expected, even in a healthy economy.

Also, arguably it would be preferable to have a couple of smaller corrections than a massive bubble and crash, even if the resulting valuation ends up the same.
by aristotelian
Thu Dec 06, 2018 2:52 pm
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1828

Re: How to cheaply replace my smartphone?

Are you locked in to Verizon for some reason? We have some kind of family plan with 6 phones ( my parents and my in-laws are all in it ).. I am not sure if the plan gets cancelled if I leave? I was the one who set it all up many years ago... Again, if cost is a priority, you can almost certainly sa...
by aristotelian
Thu Dec 06, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: How to cheaply replace my smartphone?
Replies: 29
Views: 1828

Re: How to cheaply replace my smartphone?

Are you locked in to Verizon for some reason?

If cheapness is a priority, you can buy any unlocked phone and take it to any carrier. I use Mint for $15/month for 2GB using the T-Mobile network.
by aristotelian
Thu Dec 06, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to buy on the dip today didn't workout
Replies: 44
Views: 5850

Re: Wanting to buy on the dip today didn't workout

Sell the taxable account anyway, and fund the Roth with an outside contribution today. I do the latter part each month on the 15th in our account. T+2 trade settlement is industry (federally regulated) standard. It's not Vanguard's fault at all. It was T+3 just a couple years ago. I would think if ...
by aristotelian
Thu Dec 06, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell?? 1,118.75% gain!!
Replies: 26
Views: 3759

Re: Should I sell?? 1,118.75% gain!!

Darth Xanadu wrote:
Thu Dec 06, 2018 11:29 am
Sell $1k-$1.2k, keep the rest?
Better yet, reinvest the gains in some more penny stocks. It already worked once!
by aristotelian
Thu Dec 06, 2018 11:30 am
Forum: Investing - Help with Personal Investments
Topic: 20M Inheritance - What is best option for small/no risk on principal?
Replies: 90
Views: 10864

Re: 20M Inheritance - What is best option for small/no risk on principle?

CDs, Treasuries, TIPS. The number of zerosdont really affect the options aside from the issue of FDIC insurance. Keep in mind that principal risk is only one risk. You may want stocks for diversification and to stay ahead of inflation. I would also encourage you to think more about tax, charitable g...
by aristotelian
Wed Dec 05, 2018 2:40 pm
Forum: Personal Consumer Issues
Topic: Dishwasher stopped working well
Replies: 16
Views: 1393

Re: Dishwasher stopped working well

We also have a Bosch with the exact same issues. I finally got it back to clean dishes by doing a thorough cleaning. Clean everything, top to bottom. Racks, nozzles, interior sides, drain, everything. Then run a cycle with some dishwasher cleaning tablets. We have had good luck with these. https://w...
by aristotelian
Wed Dec 05, 2018 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Should we abandon the Roth IRA (for now)?
Replies: 19
Views: 1942

Re: Should we abandon the Roth IRA (for now)?

General rule of thumb is pretax employer plan as your primary vehicle, and Roth for diversification. I see no reason why your situation is especially unique. For early retirement, you will have more flexibility to do Traditional-to-Roth conversions prior to Social Security kicking in. I would argue ...
by aristotelian
Wed Dec 05, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2336

Re: Looking for a nice travel watch... recommendations?

I got the cheapest stainless self-winding watch I could find, like this one. Looks great (from a distance) and no harm done if it gets stolen or I forget it in a hotel room somewhere. https://www.amazon.com/JARAGAR-Stainless-Self-Winding-Mechanical-Resistance/dp/B07J1XQGKY/ref=sr_1_15?s=apparel&ie=U...
by aristotelian
Wed Dec 05, 2018 10:14 am
Forum: Investing - Theory, News & General
Topic: In Search of... the Inverted Yield Curve
Replies: 33
Views: 3695

Re: In Search of... the Inverted Yield Curve

It seems almost like a tautology. 100% of the time, stock market crashes are preceded by stocks going up. We know the Fed lowers rates to stimulate the economy, then raises rates to control inflation. When rates are increasing, the curve inverts. At some point there will be a recession and rates wil...
by aristotelian
Wed Dec 05, 2018 7:19 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation during retirement and Safe Withdrawal Rates
Replies: 22
Views: 3967

Re: Asset Allocation during retirement and Safe Withdrawal Rates

By going bond heavy, you expose yourself to inflation risk. You should take a look at the Early Retirement Now data as well as trying your numbers on Firecalc. Probably doesn't matter, as 4% should work for 30 years in any case.
by aristotelian
Tue Dec 04, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: Yield Curve = Inverted
Replies: 58
Views: 5941

Re: Yield Curve = Inverted

Can anyone explain why people would be buying long bonds right now? Economy is fine, Fed is raising rates, inflation ticking up, and you get essentially zero premium for locking in a historically low interest rate for 10 years. What am I missing?
by aristotelian
Sun Dec 02, 2018 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50663

Re: New HSA provider Lively offers investments for $30/yr fee

So I'm loving these options. No fee to trade, save the $66/year and 0 ER. So one last question. Is FZROX just as well diversified/well covered across the market as VXUS (and similar with VTI to FZROX)? Can't figure out how to tell that. I also noticed on morningstar's report that neither reports an...
by aristotelian
Sun Dec 02, 2018 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Foundation or Nonprofit entity. What is involved?
Replies: 4
Views: 319

Re: Foundation or Nonprofit entity. What is involved?

At a minimum, you're going to need to register with the IRS to get your 501c3 status, and then set up a board, do annual audits, etc. I think you would be better off working with your charity to connect with a middleman type of organization that has a tax ID in the US and distributes funds directly ...
by aristotelian
Sun Dec 02, 2018 8:04 pm
Forum: Investing - Theory, News & General
Topic: Bond Sell and Buy Decisions - Math answers
Replies: 7
Views: 1008

Re: Bond Sell and Buy Decisions - Math answers

d by doing this, unless the value of the tax loss is greater than the transaction cost, which for Treasuries is just the bid/ask spread for the quantity you're looking at. The bond you bought already has the same yield as a comparable bond you would buy with the proceeds of your sale. The reduced v...
by aristotelian
Sun Dec 02, 2018 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50663

Re: New HSA provider Lively offers investments for $30/yr fee

So I'm with HSA bank and am getting tired of the $66/year fee. Left my employer that offered it so I'm trying to decide between Lively and Fidelity. So this is what, a $30 difference/year between the two? I really like my vanguard funds through TDA that I have my HSA in (VB & VXUS) but I'm complete...
by aristotelian
Sun Dec 02, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: My kid's retirement
Replies: 49
Views: 3375

Re: My kid's retirement

If I were to do this, I wouldn't claim fake income from modeling. I'd probably file a schedule C for my children and call their allowance self-employment income. As I understand, Social Security taxes (both employer and employee) would need to be paid on the income, along with income taxes at the p...
by aristotelian
Sun Dec 02, 2018 7:28 am
Forum: Investing - Help with Personal Investments
Topic: My kid's retirement
Replies: 49
Views: 3375

Re: My kid's retirement

Just put it in a brokerage account in your name. You can transfer up to $11M completely tax free. No need to commit borderline tax fraud.
by aristotelian
Sat Dec 01, 2018 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA: Take more than RMD, move to Vanguard?
Replies: 8
Views: 958

Re: Inherited IRA: Take more than RMD, move to Vanguard?

Thriving Artist, You are conflating two questions. First is how much do you take out of the IRA. The second is how much do you spend. Withdrawing from the IRA just means paying taxes on it. You will want to get the money out of the IRA in the most tax efficient way possible. One argument for withdra...
by aristotelian
Sat Dec 01, 2018 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited IRA: Take more than RMD, move to Vanguard?
Replies: 8
Views: 958

Re: Inherited IRA: Take more than RMD, move to Vanguard?

The less you take and the more you save, the more the money will be able to provide for you in the future. $300k is a nice nest egg but not enough to provide more than about $10k per year. I would be trying to add to it rather than start spending it. By the way, you do not have to spend the RMD. You...
by aristotelian
Sat Dec 01, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Using PersonalCapital, Mint, etc.... - and fraud concerns
Replies: 46
Views: 7894

Re: Using PersonalCapital, Mint, etc.... - and fraud concerns

I have used both without any security problem. However, I abandoned Mint due to bugs in double counting various accounts and such, and I ultimately decided that PC did not provide anything useful beyond eye candy to justify the risk.
by aristotelian
Sat Dec 01, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Online Account Access for Spouse
Replies: 23
Views: 1360

Re: Vanguard Online Account Access for Spouse

Setting aside legality, it almost certainly vioates terms of service to impersonate your spouse. In the event of divorce or estate dispute it could look really bad if you lost a lot of money in their name. Agent authorization is easy to do although my impression was that it requires a medallion sign...
by aristotelian
Sat Dec 01, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: How is TIAA Traditional classified in Monte Carlo simulation?
Replies: 8
Views: 667

Re: How is TIAA Traditional classified in Monte Carlo simulation?

I would set it to the side and estimate your income from it separately. Not only is it a unique investment, it has various option is depending on whether and how you decide to annuitize. If you are just looking at it during accumulation, I would use Intermediate Treasury or Total Bond to approximate...
by aristotelian
Fri Nov 30, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: What would you do with $6,000 in gold and silver?
Replies: 40
Views: 3307

Re: What would you do with $6,000 in gold and silver?

Forget about the fact that you already own it. You should do the same as you would with $6k cash, $6k in baseball cards or $6k in random widgets. Sell and invest according to your IPS.
by aristotelian
Fri Nov 30, 2018 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Individual Stocks or Just Keep Them To Avoid Commissions?
Replies: 31
Views: 1858

Re: Sell Individual Stocks or Just Keep Them To Avoid Commissions?

Call Fidelity and tell them you want to get into their new, awesome Zero funds that you've seen on TV. Ask for some free trades to get out of the stocks. Someone else here did that and was given 5 free trades. Do that, dump 5 stocks, buy the Zero and next month, call again. I'd bet they'll give you...
by aristotelian
Fri Nov 30, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: The S&P 500 Goes Supernova
Replies: 85
Views: 12024

Re: The S&P 500 Goes Supernova

I'm so confused. I thought people who invested starting in 2000 were barely breaking even. The S&P 500 is about double what it was in January of 2000. That doesn't take inflation into account, but it also doesn't take dividends into account. Sure. The point being that the article is cherry picking ...
by aristotelian
Fri Nov 30, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: The S&P 500 Goes Supernova
Replies: 85
Views: 12024

Re: The S&P 500 Goes Supernova

I'm so confused. I thought people who invested starting in 2000 were barely breaking even.
by aristotelian
Fri Nov 30, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Vacation ideas for this January
Replies: 14
Views: 883

Re: Vacation ideas for this January

A resort in Mexico, Costa Rica, or the Caribbean would be comfortable for everyone as well as a home base for more adventurous activities.
by aristotelian
Fri Nov 30, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 640
Views: 44165

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

I called them to see if they will reimburse the Saturna fee and was told they do not do that and the management had a meeting this morning to say not to do it. They were not very cordial on the phone at all, wondering if maybe I stay where I am at the moment. They seemed to really not give a flip i...
by aristotelian
Thu Nov 29, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50663

Re: New HSA provider Lively offers investments for $30/yr fee

I saw the same orphaned $50 in my TD account this morning as viewed from the Lively site. It showed as available to transfer, so I simply requested a transfer to the Lively account. I am guessing that when they ACATS transfer the $50 debit to Fidelity, it results in $50 in the TD account which even...
by aristotelian
Thu Nov 29, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 344
Views: 50663

Re: New HSA provider Lively offers investments for $30/yr fee

Updating my transfer process to Fidelity...I successfully transferred the assets to Fidelity (showing a $50 debit from TD). I requested and received a $50 credit from Fidelity as a "one time exception". Requested Lively close the investing account, which they appear to have done since I can now no l...
by aristotelian
Thu Nov 29, 2018 8:17 am
Forum: Investing - Theory, News & General
Topic: First Crypto ETF Index Fund launched!!! $HODL
Replies: 67
Views: 5521

Re: First Crypto ETF Index Fund launched!!! $HODL

You gotta love a good ticker symbol. Ticker humor is not enough to get me to buy it, though.
by aristotelian
Wed Nov 28, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: S&P Index, Berkshire, or ?
Replies: 5
Views: 779

Re: S&P Index, Berkshire, or ?

If it's money you can afford to lose, go for it. I do love the tax efficiency of BRK. In the absence of a 0% dividend ETF, it is arguably the next best thing. I have a play money account with 0% dividend stocks including BRK and MKL, but I have a half dozen positions and it's less than 1% of my port...