Search found 1364 matches

by MotoTrojan
Fri Apr 20, 2018 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Lump sum vs Dollar-cost average in 2018?
Replies: 7
Views: 575

Re: Lump sum vs Dollar-cost average in 2018?

401k evenly distributed throughout year. Everything else I fill as fast as possible, starting with Roth (for ease) and then taxable investing whenever cash becomes available. Time in the market. No tinkering allowed. Putting that will power to the test in 2 weeks when a low/mid 5-figure windfall hit...
by MotoTrojan
Fri Apr 20, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: How do you compare VNQ vs SP500?
Replies: 18
Views: 797

Re: How do you compare VNQ vs SP500?

Your problem started when your initial filter for potential funds to invest in was a comparison of previous returns.
by MotoTrojan
Fri Apr 20, 2018 1:21 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2039

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

It's off season for the most part but 6/1 to end of Nov is hurricane season. I've been plenty of times in October/November, I just watch the hurricane/tropical storm forecasts closely. Awesome, fingers crossed for good weather end of May. We don't mind if it is a little slow, pool to ourselves :). ...
by MotoTrojan
Fri Apr 20, 2018 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Does this seem an unusually high stock AA for a pension fund?
Replies: 3
Views: 238

Re: Does this seem an unusually high stock AA for a pension fund?

Oicuryy wrote:
Fri Apr 20, 2018 9:38 am
This from the actuary report would worry me more than that asset allocation.

Image
https://www.minnesotatra.org/images/pdf ... Report.pdf

Ron
Yikes.
by MotoTrojan
Thu Apr 19, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Once retired, tools to determine available spend?
Replies: 18
Views: 1743

Re: Once retired, tools to determine available spend?

3-years is a lot of cash. Perhaps a CD ladder could help increase yield a bit? Or a short-term bond fund. I may even consider >2/3 of it fixed-income for sake of my AA. I guess I should have specified "cash like". CD's and short term bond funds are part of this. And I'm lucky to have access to 3% g...
by MotoTrojan
Thu Apr 19, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Once retired, tools to determine available spend?
Replies: 18
Views: 1743

Re: Once retired, tools to determine available spend?

How much you can take out is a complicated problem since we do not know how markets (including inflation) will vary in the future, and we don't know how long we will live. There are several methods of approaching this. None perfect. Only a few that have worksheets for implementing. I think what I'm...
by MotoTrojan
Thu Apr 19, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Bill Bonner: what's your take?
Replies: 21
Views: 1830

Re: Bill Bonner: what's your take?

4% is a gross underestimate of recent returns but I can see how it would make you feel better. If/when you do get more fully invested, make sure you understand that a downturn can/will happen, and that would not reaffirm Bill/Husband’s concerns. Worst thing you can do is invest, take a 40% loss, and...
by MotoTrojan
Wed Apr 18, 2018 5:44 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg article on lump sum vs dollar cost averaging
Replies: 33
Views: 3071

Re: Bloomberg article on lump sum vs dollar cost averaging

I lump sum as soon as the cash is available, no matter the amount.
by MotoTrojan
Wed Apr 18, 2018 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale Rule - Purchase Before Sale
Replies: 7
Views: 301

Re: Wash Sale Rule - Purchase Before Sale

For this reason, my plan for future TLH is to just sell (at same time) all shares purchased within last 30 days. Hopefully they are all a loss if this was a really good TLH opportunity.
by MotoTrojan
Wed Apr 18, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371347

Re: U.S. stocks in freefall

Except if that happens, global asset prices will get obliterated. I would love for the distortions that the Fed has created to naturally correct themselves as they would in a free market, but we don't have a free market and that cannot happen at this point. It would have been easy to dig out from t...
by MotoTrojan
Tue Apr 17, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371347

Re: U.S. stocks in freefall

Except if that happens, global asset prices will get obliterated. I would love for the distortions that the Fed has created to naturally correct themselves as they would in a free market, but we don't have a free market and that cannot happen at this point. It would have been easy to dig out from t...
by MotoTrojan
Tue Apr 17, 2018 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 988

Re: Portfolio review - doing the 3-funds with a tilt

Given that you are both medical professionals keep in mind that in 2018 for MFJ the Roth phase-out starts at $189,000 and you are ineligible to contribute at $199,000 adjusted gross income. Thank you KlingKlang, I wish I was in that range! Currently, I'm the only one who has a paycheck. However, wh...
by MotoTrojan
Tue Apr 17, 2018 5:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371347

Re: U.S. stocks in freefall

Except if that happens, global asset prices will get obliterated. I would love for the distortions that the Fed has created to naturally correct themselves as they would in a free market, but we don't have a free market and that cannot happen at this point. It would have been easy to dig out from t...
by MotoTrojan
Tue Apr 17, 2018 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - doing the 3-funds with a tilt
Replies: 16
Views: 988

Re: Portfolio review - doing the 3-funds with a tilt

Given that you are both medical professionals keep in mind that in 2018 for MFJ the Roth phase-out starts at $189,000 and you are ineligible to contribute at $199,000 adjusted gross income. Thank you KlingKlang, I wish I was in that range! Currently, I'm the only one who has a paycheck. However, wh...
by MotoTrojan
Tue Apr 17, 2018 4:18 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6393
Views: 1371347

Re: U.S. stocks in freefall

Less than 2 weeks from my windfall and it is falling the wrong way :(.
by MotoTrojan
Tue Apr 17, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Is Los Angeles a good place long term to live financially?
Replies: 157
Views: 9639

Re: Is Los Angeles a good place long term to live financially?

I’m thinking of moving to LA and spending the rest of my life there, but I’m concerned about the cost. Is LA expensive? And would pursuing my goals be worth the cost of living there and are the costs worth the quality of life I would have there? Some of my goals are: 1. Get an MBA at a good busines...
by MotoTrojan
Tue Apr 17, 2018 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Retire early. Do you think it is possible?
Replies: 33
Views: 2993

Re: Retire early. Do you think it is possible?

I'd start putting together a more comprehensive plan. Depending on your AA in the 401k, the $300K in cash is probably not helping.
by MotoTrojan
Tue Apr 17, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Understanding realized/unrealized gains in crypto world
Replies: 33
Views: 1057

Re: Understanding realized/unrealized gains in crypto world

Sell all your crypto and start a buy & hold strategy with indexes. Sorry you acted before researching implications. Not sure why anyone would intentionally do what you did unless tax-gain harvesting long-term gains.
by MotoTrojan
Tue Apr 17, 2018 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Overall Help w/ Budget
Replies: 15
Views: 1324

Re: Overall Help w/ Budget

Check out the Insight card. 5% on $5000 initial fill (interest compounds). May help you feel better about bolstering that EF, but with kids/home you may want even more.
by MotoTrojan
Tue Apr 17, 2018 10:19 am
Forum: Personal Finance (Not Investing)
Topic: Understanding realized/unrealized gains in crypto world
Replies: 33
Views: 1057

Re: Understanding realized/unrealized gains in crypto world

I cannot exchange BTC for BTC. I can exchange BTC for other coins and there is an argument that that cannot be considered as a like kind exchange. I was stupid but I am confused right now. I don't think cryptocurrency would be considered property for the purpose of 1031 exchanges. Besides, when you...
by MotoTrojan
Tue Apr 17, 2018 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Understanding realized/unrealized gains in crypto world
Replies: 33
Views: 1057

Re: Understanding realized/unrealized gains in crypto world

I bought 0.23 BTC when it was trading at $10000. I sold it when BTC price was trading at $15000 but I bought the same amount of BTC again minutes later. I paid $2300 at first, got back $3450 and put all that money back in BTC again. Is that $1150 considered as a realized/unrealized gain? Interestin...
by MotoTrojan
Mon Apr 16, 2018 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: How much salary did you negotiate?
Replies: 20
Views: 2388

Re: How much salary did you negotiate?

How much salary can your or did you negotiate? I'm trying to figure out if I'm doing it wrong. Last week, I landed an offer at $110k (total comp including bonuses), and I moved it to $120k or 9% after 1 round, but it's still below what I'm aiming for. Is the organization just simply not able to pay...
by MotoTrojan
Mon Apr 16, 2018 2:58 pm
Forum: Personal Finance (Not Investing)
Topic: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?
Replies: 121
Views: 7886

Re: 2.5% Withdrawal for 50 Years With 50/50 Portfolio?

Of course. That's basically just spending dividends. Well, yes, I suppose, except that a portion of the dividends are being generated within the retirement accounts and are thus not easily accessible, and so I figure that one will have to sell some portion of the principal within the taxable accoun...
by MotoTrojan
Sun Apr 15, 2018 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: What to do about withdrawal this year if market doesn't go up?
Replies: 32
Views: 2830

Re: What to do about withdrawal this year if market doesn't go up?

Didn't see anybody mention yet that an emergency fund doesn't really make sense in retirement. Some cash in MM can help smooth things out but there is really no need, and in general keeping things invested at your AA will win-out in the longrun. OP, in order to live purely off of dividends (the equi...
by MotoTrojan
Sun Apr 15, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: We crush stock indexes, Yale claims
Replies: 98
Views: 10875

Re: We crush stock indexes, Yale claims

Yale should use past tense for the claim. They've only generated an annual return of around 8% in the last 10 years, vs 9.7% for US stocks. Not taking sides, but are you asserting that short term returns provide better data than long term returns? Could also mean arbitrary starting points is a prob...
by MotoTrojan
Sun Apr 15, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: "guaranteed" 6% return vs index fund investing
Replies: 30
Views: 2761

Re: "guaranteed" 6% return vs index fund investing

Decide on a representative time horizon and do the math on what expected return in a tax-efficient investment of similar risk would be (total US stock being what I’d compare to). I think you’re anchoring to the glory that 6% sounds like but in reality this is likely a much lower after-tax CAGR than ...
by MotoTrojan
Sun Apr 15, 2018 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Best cash back card right NOW.
Replies: 34
Views: 3697

Re: Best cash back card right NOW.

Uber Barclays Visa is free, $100 after spending $500 in 90 days, and is 4% back on dining and 3% back on travel. Also 2% online and 1% elsewhere, but I use my Citi 2% Double Cash anywhere that isn't dining/travel.

4% back on food (my highest budget item) has been amazing.
by MotoTrojan
Sun Apr 15, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Gifts to grandkids of different ages
Replies: 13
Views: 1295

Re: Gifts to grandkids of different ages

Great opportunity to teach them about investing. Let them spend $500 on a fun weekend trip and the rest goes into TSM.
by MotoTrojan
Sun Apr 15, 2018 11:28 am
Forum: Investing - Help with Personal Investments
Topic: First Post: HSAs & American Funds v. Vanguard returns
Replies: 6
Views: 373

Re: First Post: HSAs & American Funds v. Vanguard returns

Amount isn’t significant but your choices in taxable may not be the most tax-efficient (I know you didn’t ask for advice there). Sometimes index funds will replicate the index while holding excess cash by using leveraged instruments in a safe manner. It is possible that is what’s going on but the pr...
by MotoTrojan
Sun Apr 15, 2018 11:24 am
Forum: Personal Consumer Issues
Topic: Las Vegas hotel
Replies: 44
Views: 2896

Re: Las Vegas hotel

Bally’s is a good compromise. Big casino feel good location but cheaper than the luxury spots like Aria/Cosmo.
by MotoTrojan
Sun Apr 15, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 30
Views: 2530

Re: Insight Card (APY 5%) full personal review

5 percent is nice, but this sounds like a pain in the butt. Yes, it does. And what if you jump through all those hoops and then Insight changes the rules to something like 5% on the first $1,000 (like Netspend), and 0.01% on everything above $1,000? Or what if they start charging a $10/mo fee if yo...
by MotoTrojan
Sat Apr 14, 2018 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: Simplifying Investment Life
Replies: 12
Views: 1833

Re: Simplifying Investment Life

My opinion only, unless the 401K plan's offering are horrible it is foolhardy. You are forgoing a great deal of creditor asset protection. You may also be foregoing asset classes that are not available outside of a 401K plan such as a stable value fund. in the long term most employers will improve ...
by MotoTrojan
Sat Apr 14, 2018 10:28 pm
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 106
Views: 14736

Re: Is it time to dump high yield savings for prime money market?

Same exact tax rate? Yup regular income. Over $10 they’ll send a 1099. Under and you’re supposed to self-report (only a full audit could catch, for many years I didn’t purely out of ignorance). What’s the tax savings value of the state specific municipal money markets for low tax brackets? 12%. It ...
by MotoTrojan
Sat Apr 14, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 106
Views: 14736

Re: Is it time to dump high yield savings for prime money market?

In my case I am not sure if 0.16% difference worth the hassle (My savings is earning 1.45% at Ally currently). To make things worse, this 0.16% is taxable so it is only 0.13% ($13 more per year for every $10K also not FDIC) :D Your savings account is taxable too. Same exact tax rate? Yup regular in...
by MotoTrojan
Sat Apr 14, 2018 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 30
Views: 2530

Re: Insight Card (APY 5%) full personal review

Just got mine. For keeping account active can I have Ally push and pull the same $1 every other month? Just push a dollar in every two months from Ally. Don't ever remove your interest gained either as it also earns 5% above the $5000 limit. It’s my understanding I can just leave the savings accoun...
by MotoTrojan
Sat Apr 14, 2018 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Perspective on AA for a 91-year-old Mother with Alzheimer's
Replies: 4
Views: 596

Re: Perspective on AA for a 91-year-old Mother with Alzheimer's

Gold and silver seems like unnecessary complication at those %. I’d be using Target or Lifestrategy funds across board in IRAs.
by MotoTrojan
Sat Apr 14, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Is it time to dump high yield savings for prime money market?
Replies: 106
Views: 14736

Re: Is it time to dump high yield savings for prime money market?

In my case I am not sure if 0.16% difference worth the hassle (My savings is earning 1.45% at Ally currently). To make things worse, this 0.16% is taxable so it is only 0.13% ($13 more per year for every $10K also not FDIC) :D Your savings account is taxable too. Same exact tax rate? Yup regular in...
by MotoTrojan
Sat Apr 14, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 30
Views: 2530

Re: Insight Card (APY 5%) full personal review

Just got mine. For keeping account active can I have Ally push and pull the same $1 every other month?
by MotoTrojan
Fri Apr 13, 2018 3:26 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2039

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

https://www.cheapcaribbean.com/ Looking to book an all-inclusive vacation for 2 for 6 nights. Currently down-selected to El Dorado Seaside Suites. On their website it is around $3300 for us both, including food/drinks, and then about $500/ea for non-stop flights. Wanted to shop prices a bit and fou...
by MotoTrojan
Fri Apr 13, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2039

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

We are in Infinity Royal Suite. First time there but have been to other El Dorado's. They are first class. Happy to hear that! Was tough to decide between the different locations but doesn't seem like you can really go wrong. Felt like Seaside was a good compromise between smaller feel (compared to...
by MotoTrojan
Fri Apr 13, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: Cheap Caribbean [add-flights, cut price in half... too good to be true?]
Replies: 28
Views: 2039

Re: Cheap Caribbean [add-flights, cut price in half... too good to be true?]

https://www.cheapcaribbean.com/ Looking to book an all-inclusive vacation for 2 for 6 nights. Currently down-selected to El Dorado Seaside Suites. On their website it is around $3300 for us both, including food/drinks, and then about $500/ea for non-stop flights. Wanted to shop prices a bit and fou...
by MotoTrojan
Fri Apr 13, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: IRA Trans to VG,90% CASH
Replies: 10
Views: 411

Re: IRA Trans to VG,90% CASH

Lump sum and maybe consider simplifying overall to 3-5 funds. Also ensure locations are tax-efficient.
by MotoTrojan
Fri Apr 13, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Why am I even holding BND? It has only been losing me money.
Replies: 62
Views: 8145

Re: Why am I even holding BND? It has only been losing me money.

BND has a duration of approximately 6 years; if your time horizon is longer than 6 years, there's no reason to be concerned. I read that frequently up and may not understand why. I am guessing a good majority of us here are in the accumulation phase and contributing regular to our retirement accoun...
by MotoTrojan
Fri Apr 13, 2018 8:36 am
Forum: Investing - Theory, News & General
Topic: SCV: Buy & Hold, or Trade Trade Trade?!
Replies: 5
Views: 1011

Re: SCV: Buy & Hold, or Trade Trade Trade?!

Buy and hold here with 20% of portfolio (27% US) in VIOV. I, like you, prefer this index over VGs larger one. My 401k that is coming soon uses VG though so I’ll have some tossed in for rebalancing purposes.
by MotoTrojan
Fri Apr 13, 2018 7:58 am
Forum: Investing - Help with Personal Investments
Topic: Employee IPO windfall - mid 7 figures
Replies: 30
Views: 3392

Re: Employee IPO windfall - mid 7 figures

Would you buy $2M of it if I gave you the cash? You don’t know anything more than the big traders that set the price. A 2x return is far from a sure thing. Congrats! Life changing sum. I’d find your new AA, fund a 529 for the kids, and invest the rest tax-efficiently. Maybe hold 10-20% for a year if...
by MotoTrojan
Thu Apr 12, 2018 9:59 pm
Forum: Investing - Theory, News & General
Topic: Bull Market Timing
Replies: 60
Views: 4388

Re: Bull Market Timing

Forward P/E looks pretty great on the S&P 500.

Also check-out 1996. Never a better time to buy (irrational exuberance).

Also this bull market started in 2016 (after we had a bear).
by MotoTrojan
Thu Apr 12, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement - On the fence, need sanity check
Replies: 47
Views: 7457

Re: Early Retirement - On the fence, need sanity check

Also tune out the noise about the market. Overall economic condition (totally different than the market) is what really matters. Forward P/E is 16-17 on the S&p500; right at the past median (and some critics believe closer to 20 is the new-normal). But we will find out in the next week if the 18-19%...
by MotoTrojan
Thu Apr 12, 2018 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Should I join a startup?
Replies: 14
Views: 1370

Re: Should I join a startup?

Depending on how early you're in your career, you may put aside the financial argument and look at it as a learning opportunity. If so, great! Either way the company goes, it will be a win for you as you'll wear many hats and get exposure to all sides of running a business. If you're in your mid 30...
by MotoTrojan
Thu Apr 12, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: Hit AMT for the first time
Replies: 4
Views: 770

Re: Hit AMT for the first time

I believe the credit would come from ISOs. Not sure you’re eligible but I’ve only looked at my situation. Incentive stock options get taxed twice on spread at exercise (after sale, if exercise triggered AMT) if not credited back.
by MotoTrojan
Wed Apr 11, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: When to sell individual stock following merger announcement?
Replies: 21
Views: 1017

Re: When to sell individual stock following merger announcement?

The stock is up roughly 100% and you are worried about another 3% over 3 months? No brainer to me. Cash out and invest in something else. Will probably make the 3% up in expected return anyway.