Search found 476 matches

by MotoTrojan
Thu Jul 20, 2017 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: ISO (incentive stock option) exercise
Replies: 7
Views: 324

Re: ISO (incentive stock option) exercise

Look into AMT implications with ISO's and ensure your vesting plan best accounts for this complicated tax (avoid it).

You should be able to get the fair-market value from the company, no? Otherwise you can't fill out taxes, or know how much AMT you'd owe, prior to exercising.
by MotoTrojan
Thu Jul 20, 2017 11:11 pm
Forum: Investing - Help with Personal Investments
Topic: Are my parents a good fit for Vanguard Advisory Services?
Replies: 11
Views: 1170

Re: Are my parents a good fit for Vanguard Advisory Services?

I also like the Target Fund idea. Get out now. Those fees are INSANE. I'd show her what she's paying vs. VG, and maybe a CAGR calculation to show the impact over 10-20 years.

Advisor services may be good to help her transition over a couple guests though, to help with taxes.
by MotoTrojan
Thu Jul 20, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Which cost basis is best average cost or FIFO
Replies: 15
Views: 955

Re: Which cost basis is best average cost or FIFO

This is why I use specific-ID. Complete control.
by MotoTrojan
Thu Jul 20, 2017 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Unwise to contribute to the same equity index fund in both taxable and IRA account? [Preparing for TLH]
Replies: 9
Views: 504

Re: Unwise to contribute to the same index fund in both taxable and IRA account? [Preparing for TLH]

There's nothing really wrong with having the same fund in taxable and tax advantaged per se. The problem comes if you buy a fund you have just tax loss harvested. To avoid this you would want to turn off dividend reinvesting in both accounts so you don't buy the fund accidentally within the wash sa...
by MotoTrojan
Thu Jul 20, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: Bogle is pro-SCV!
Replies: 36
Views: 3443

Re: Bogle is pro-SCV!

Which is the more important factor - small or value? The S&P 600 small cap index, a small cap blend index, has outperformed the S&P 500 index. DMW S&P has quality/earnings requirements which could potentially tilt towards value by weeding out speculative small-cap growth companies...? J...
by MotoTrojan
Thu Jul 20, 2017 12:55 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1398
Views: 245395

Re: What are you up YTD? [Year To Date]

hulburt1 wrote:98stock 2 cash.
Have Facebook-

25% up 240000
wife up 12 up 120000

Funny thing is I live on $60000.
Wife works I very little.
we went by 2300000 like it was standing still--I'm 64 and wife 61.


Sounds like time to slow down a little and buy some bonds.
by MotoTrojan
Thu Jul 20, 2017 12:55 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1398
Views: 245395

Re: What are you up YTD? [Year To Date]

This month's crash is killing me, but still up 2,546%.











I kid (wish I was 100% Ethereum to start the year). :moneybag :moneybag :moneybag
by MotoTrojan
Thu Jul 20, 2017 12:39 am
Forum: Investing - Help with Personal Investments
Topic: Son's trust fund for education
Replies: 10
Views: 696

Re: Son's trust fund for education

Sell the Emerging Market fund yesterday. High risk fund, and I assume you can stomach those gains right now easily.
by MotoTrojan
Thu Jul 20, 2017 12:32 am
Forum: Investing - Theory, News & General
Topic: The Death of Buy and Hold
Replies: 25
Views: 2965

Re: The Death of Buy and Hold

From the introduction to the book: So maybe buy and hold is dead, at least in the sense that most average investors are not using it, regardless of its advantages or disadvantages. But still, there was one question someone should have put to that gentleman on CNBC: when you say buy and hold is dead...
by MotoTrojan
Tue Jul 18, 2017 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for $4 million - can I do all stocks?
Replies: 72
Views: 5494

Re: Investment advice for $4 million - can I do all stocks?

OP, <<My wife and I are in our mid-50s and can count on making $270,000/year or more for the next 10 years.>> You can earn another 2.7 million. But, you cannot buy another 10 years of your life. Especially when you have 6 million now. Another 2.7 million would not make any difference to you at all....
by MotoTrojan
Tue Jul 18, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: When to stop being "concerned"
Replies: 27
Views: 5027

Re: When to stop being "concerned"

Why would I be concerned about stocks going on a massive sale? :D

100/0
by MotoTrojan
Mon Jul 17, 2017 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: Do you guys accept first Job offer or negotiate?
Replies: 26
Views: 1736

Re: Do you guys accept first Job offer or negotiate?

My biggest regret in hiring is not countering on my first full time gig. I had interned, and they offered me a $2K above usual college grad pay boost for my internship performance. I wish I had asked for more equity, as it has paid off well (left after 2 years with almost $100K). But it worked out a...
by MotoTrojan
Mon Jul 17, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Wife's Equal Sector Weight ETF - any landmines I'm missing?
Replies: 10
Views: 694

Re: Selling Wife's Equal Sector Weight ETF - any landmines I'm missing?

To answer your question, right now my portfolio is a simple three-fund approach: about 50% Total Stock Market (VTSAX), 30% Total International Stock Index (VTIAX) and 20% Total Bond Market Index Fun (VBTLX). So I plan to sell the Equal Sector Weight ETF and just use the money to buy the above holdi...
by MotoTrojan
Mon Jul 17, 2017 5:30 am
Forum: Investing - Help with Personal Investments
Topic: Why Not REIT's?
Replies: 47
Views: 4229

Re: Why Not REIT's?

Could somebody advise me on why REIT's have the preconception that they are volatile and risky? From everything I've researched on them, they've locked in better performance than all large-cap/small-cap stocks year after year. Also, REIT's are governed by government agencies with strict guidelines,...
by MotoTrojan
Mon Jul 17, 2017 5:13 am
Forum: Investing - Help with Personal Investments
Topic: Where to allocate lump sum payout
Replies: 4
Views: 396

Re: Where to allocate lump sum payout

No brainer; student loans.
by MotoTrojan
Mon Jul 17, 2017 5:12 am
Forum: Personal Finance (Not Investing)
Topic: 18 year old first credit card recommendations
Replies: 44
Views: 2149

Re: 18 year old first credit card recommendations

Four years ago one son started with a credit card in college from the same bank that he had a savings and checking accounts with that started in high school. Initially got a credit limit of something like $700 and now it's up to something like $2000. Most months the amounts that have been charged h...
by MotoTrojan
Sun Jul 16, 2017 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: Maximizing opportunities to Tax Loss Harvest?
Replies: 13
Views: 811

Re: Maximizing opportunities to Tax Loss Harvest?

I don't have interest with the strategy personally, but if you want to play the volatility game to harvest losses, I'd go Robo.
by MotoTrojan
Sun Jul 16, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: new money investment plan -- living expenses
Replies: 8
Views: 551

Re: new money investment plan -- living expenses

I'd adjust to the traditional 3-fund, then pick 1-2 tilts and add those to their respective region. US SCV International Small Cap Emerging Markets Could hold tips and Total bond, but right now you have a ton of overlap with the extended markets, multiple bonds, etc. Could probably get 99% same expo...
by MotoTrojan
Sun Jul 16, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Wife's Equal Sector Weight ETF - any landmines I'm missing?
Replies: 10
Views: 694

Re: Selling Wife's Equal Sector Weight ETF - any landmines I'm missing?

Google said ER is 37 basis points but either way, the question is whether or not you believe in an equal-weight approach. Also if you're already at your AA, this would increase bonds. Maybe replace this with Total Stock Market (US). Do you hold international? Roth is max growth so I prefer to do sto...
by MotoTrojan
Sun Jul 16, 2017 2:42 am
Forum: Investing - Help with Personal Investments
Topic: Overall Picture & Investments - What Am I missing?
Replies: 10
Views: 843

Re: Overall Picture & Investments - What Am I missing?

VXUS is also great in taxable, along with VTI. Tax-efficient, and you get foreign tax-credit. I'd hold VTI/VXUS in taxable, then all three in tax-advantaged, to make annual rebalancing tax free.
by MotoTrojan
Sat Jul 15, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Rent in safer neighborhood or buy in less safe one?
Replies: 67
Views: 4097

Re: Rent in safer neighborhood or buy in less safe one?

You have had a lot of good replies, and sorry but you have to get rid of the "whining" factor in your thinking. Life and neighborhoods and prices are what they are. There is not a housing bubble. 2.5x income is no longer realistic in some areas. Yes, if you can get that $250 k house in yo...
by MotoTrojan
Sat Jul 15, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: FNG ETF and the expense ratio dilemma
Replies: 4
Views: 245

Re: FNG ETF and the expense ratio dilemma

Hi Everyone, I am in a dilemma. i am interested in the FNG etf however the expense ratio is keeping me away. I have many people tell me the expense ratio is not a factor because the returns will be high, is that true? At .85%, is FNG worth it ? My goal is to put $1000 in it every year. Thanks for a...
by MotoTrojan
Sat Jul 15, 2017 8:35 pm
Forum: Investing - Theory, News & General
Topic: Is now time to move into international stocks?
Replies: 47
Views: 4582

Re: Is now time to move into international stocks?

I don't believe in trying to answer "is it time" questions. Very roughly, as I don't want to dig through the precise numbers, I've personally been about 20% in international stock and 80% in U.S. stock since the mid-1990s. According to Portfolio Visualizer, the overall result of that 20% ...
by MotoTrojan
Sat Jul 15, 2017 7:47 pm
Forum: Investing - Help with Personal Investments
Topic: What is a typical (ballpark) AA for age 65?
Replies: 25
Views: 1943

Re: What is a typical (ballpark) AA for age 65?

Some studies show 90/10 or 100/0 to be more resilient HISTORICALLY to a 3-4% withdrawal rate. Emotionally though, that is very risky.
by MotoTrojan
Sat Jul 15, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Stock Market Index
Replies: 7
Views: 9669

Re: Vanguard Total Stock Market Index

I was looking at funds and technically since it is diverse in stocks would it be a reasonably safe fund to invest agressively for the next 30+ years? Define an aggressive investment? For a 30+ year time horizon, Vanguard Total Stock Market is an excellent choice. Low cost, diversified, and good exp...
by MotoTrojan
Sat Jul 15, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring 8/31
Replies: 8
Views: 817

Re: Retiring 8/31

How are you paying all your expenses, plus $1000, with just a $700 pension? Or do you mean not touching IRAs, but you are pulling from 401K? How much in each?
by MotoTrojan
Sat Jul 15, 2017 1:34 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3406

Re: what's your secrete to cleaning inside car windows?

I still don't get great results. I use window cleaner from Stoner which I believe is pretty good, then take microfiber towels. I never do it when the windows are warm or hot, and not in direct sun. I think the inside of car windows are hardest given the angles, how I need to twist my joints that do...
by MotoTrojan
Fri Jul 14, 2017 10:26 pm
Forum: Investing - Help with Personal Investments
Topic: Yearly check up - thanks!
Replies: 8
Views: 1428

Re: Yearly check up - thanks!

jack - haha i know! k, thanks for reassuring my already stupid idea that i knew what stupid, but can't shake off anyone have any thoughts on the retirement portfolio i made up? Could be simplified. Vanguard Small-cap fund is actually more of a 50/50 small/mid blend. Thus, I don't see a ton of added...
by MotoTrojan
Fri Jul 14, 2017 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Use Emergency Fund to Payoff CC Debt?
Replies: 17
Views: 1108

Re: Use Emergency Fund to Payoff CC Debt?

I think I would put anywhere from 10-12k towards the cc. Great job having that EF! Edit: if you don't pay it all off from EF do you think you can get a 0% offer from another cc? Seems like a good thought. A Citi Simplicity card could give you 21 months at 0%, with a 3-4% transfer fee I believe. Cou...
by MotoTrojan
Fri Jul 14, 2017 2:51 am
Forum: Investing - Help with Personal Investments
Topic: Please comment on the relative merits of these two portfolios.
Replies: 14
Views: 1043

Re: Please comment on the relative merits of these two portfolios.

Not seeing how #2 is any better for rebalancing, at-least getting to your stated goal of 30% in each IRA. You may be misinterpreting the 3-fund idea. Just because you hold 3-funds, doesn't mean each one has to be isolated in one account type. You can setup a simple spreadsheet to manage asset alloca...
by MotoTrojan
Thu Jul 13, 2017 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Is $1220/year Auto Insurance for 26y/o cheap?
Replies: 14
Views: 1676

Re: Is $1220/year Auto Insurance for 26y/o cheap?

Tainted record 25 year old in CA: 2014 Audi S4, $3200/yr. $1200 seems reasonable.
by MotoTrojan
Thu Jul 13, 2017 6:07 pm
Forum: Investing - Theory, News & General
Topic: 50% Cash, 50% Stocks: The Opportunistic Portfolio
Replies: 43
Views: 4061

Re: 50% Cash, 50% Stocks: The Opportunistic Portfolio

Thesaints wrote:
InKirkWeTrust wrote:How about 50% stock, 50% bonds and rebalance annually?

Isn't that riskier than 50 stocks 50 cash ?


Define risk? Cash is losing 1-2% on average to inflation (I'll assume you're in a 1% savings account. Bonds should beat that in a risk-adjusted sense.
by MotoTrojan
Wed Jul 12, 2017 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: I inherited an IRA and small windfall, what to do now ?
Replies: 6
Views: 896

Re: I inherited an IRA and small windfall, what to do now ?

I hope to someday consider a $1/2M windfall to be "small". :moneybag
by MotoTrojan
Tue Jul 11, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: When should I exercise my incentive stock options?
Replies: 34
Views: 2286

Re: When should I exercise my incentive stock options?

ISO bring some weird (I would say poorly thought out) dynamics that a traditional option doesn't have. If exercised and held for a year you actually get LTCG on the spread at purchase, rather than only on increase in value. Also, you pay AMT in many cases, on the spread at purchase, and this can be...
by MotoTrojan
Tue Jul 11, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3589
Views: 945246

Re: U.S. stocks in freefall

Well, the REIT etf is in a semi free fall. Figured i'd bump for that. VNQ looks pretty healthy, especially when compared to 2008, yikes! Yes of course, my comment was more tongue in cheek in keeping with the tradition of this thread. 4.5% drop in a month though. Gotcha, of course. A REAL free fall ...
by MotoTrojan
Tue Jul 11, 2017 10:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3589
Views: 945246

Re: U.S. stocks in freefall

deltaneutral83 wrote:Well, the REIT etf is in a semi free fall. Figured i'd bump for that.


VNQ looks pretty healthy, especially when compared to 2008, yikes!
by MotoTrojan
Tue Jul 11, 2017 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Thoughts on individual dividend investing?
Replies: 80
Views: 5127

Re: Thoughts on individual dividend investing?

On the contrary, your asset has a guaranteed force trying to remove ~7% of value every year :).
by MotoTrojan
Mon Jul 10, 2017 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Sold Roth earnings. Now what?
Replies: 25
Views: 1886

Re: Sold Roth earnings. Now what?

Update from Betterment: Thank you for reaching out to us about this. These were labelled as Early Distributions. As we have already reported this to the IRS, this is not something we can adjust on your Betterment account. However, this is really an internal labelling, and you would still need to re...
by MotoTrojan
Mon Jul 10, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Sold Roth earnings. Now what?
Replies: 25
Views: 1886

Re: Sold Roth earnings. Now what?

Update from Betterment: Thank you for reaching out to us about this. These were labelled as Early Distributions. As we have already reported this to the IRS, this is not something we can adjust on your Betterment account. However, this is really an internal labelling, and you would still need to rec...
by MotoTrojan
Mon Jul 10, 2017 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Approximating the Total Stock Market Index
Replies: 5
Views: 426

Re: Approximating the Total Stock Market Index

Nothing wrong with developed markets. As to TSM, I recommend you compare S&P500 returns using Portfolio Visualizer and then decide whether it's worth the trouble. If you are intent on it (I wouldn't be in my 401k), you can get 99.9% there by blending S&P500 and VG small-cap (many threads out...
by MotoTrojan
Mon Jul 10, 2017 10:10 am
Forum: Personal Finance (Not Investing)
Topic: When should I exercise my incentive stock options?
Replies: 34
Views: 2286

Re: When should I exercise my incentive stock options?

I think you have this wrong about taxes. The original stock or option grant is taxable at ordinary rates including payroll tax. You would only pay ltcg if the stock went up between exercise and sale, and then only the capital gain (difference between exercise and sale) would be taxed at favored rat...
by MotoTrojan
Sun Jul 09, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put 65k cash
Replies: 64
Views: 4858

Re: Where to put 65k cash

Vanguard Target Retirement 2055 Vanguard Wellington Admiral Vanguard Wellesley Income Other and why Looking to gain the most on my return while also covering myself if there is an upcoming bear market. Need advice from someone who has experience. My money is post tax. You're asking two questions. A...
by MotoTrojan
Sun Jul 09, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: Buying and Selling within a Roth/401K
Replies: 2
Views: 206

Re: Buying and Selling within a Roth/401K

Since this is more of a general question and not specific to me, I figured I could start a new thread for it. I know that you don't have to pay taxes on your annual capital gains, or any other income earned in the account, for tax-sheltered accounts when you buy and sell within a 401K or Roth IRA. ...
by MotoTrojan
Sun Jul 09, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Sold Roth earnings. Now what?
Replies: 25
Views: 1886

Re: Sold Roth earnings. Now what?

REALLY appreciate the help. Let me try to spell this out more clearly. There were some taxable accounts but lets ignore those. Opened a TIRA & Roth IRA with Betterment. Contributed $112.50 to each. 7 days later, decided I'd prefer to run things myself via Vanguard, and performed a withdrawal. I ...
by MotoTrojan
Sun Jul 09, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Sold Roth earnings. Now what?
Replies: 25
Views: 1886

Re: Sold Roth earnings. Now what?

Appreciate all the notes on my error, but what is done is done. Lesson learned, and I appreciate any and all assistance to correct this. Update: While the tax-forms will not be available from Betterment until March 2018, I did find my statements. I actually contributed $112.5 to a TIRA and to a Rot...
by MotoTrojan
Sun Jul 09, 2017 12:37 am
Forum: Investing - Help with Personal Investments
Topic: Sold Roth earnings. Now what?
Replies: 25
Views: 1886

Re: Sold Roth earnings. Now what?

Appreciate all the notes on my error, but what is done is done. Lesson learned, and I appreciate any and all assistance to correct this. Update: While the tax-forms will not be available from Betterment until March 2018, I did find my statements. I actually contributed $112.5 to a TIRA and to a Roth...
by MotoTrojan
Sat Jul 08, 2017 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: Sold Roth earnings. Now what?
Replies: 25
Views: 1886

Re: Sold Roth earnings. Now what?

Earlier this year I started a Roth account with Betterment, then decided I was more than capable of handling my investments myself, and moved to Vanguard. Rather than transfer the funds, I simply liquidated my account, with minimal gains. Anything special I need to do come tax-season? Did I lose an...
by MotoTrojan
Sat Jul 08, 2017 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Sold Roth earnings. Now what?
Replies: 25
Views: 1886

Re: Sold Roth earnings. Now what?

Yes, you'll owe 10% penalty tax on the earnings only. It all depends on what contribution basis OP has across all Roth IRA accounts . If OP contributed $250 to Roth IRA 1, withdrew $300 and then later in same year contributed $2000 to Roth IRA 2, OP's total contribution basis will be more than the ...
by MotoTrojan
Sat Jul 08, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Sold Roth earnings. Now what?
Replies: 25
Views: 1886

Re: Sold Roth earnings. Now what?

If you contributed to the Betterment IRA for 2017, that is that much less you can contribute to your other IRAs this year. For example, if you contributed $250 to the Betterment IRA, you can only contribute $5,500 ($6,500 if over 50) - $250 at Vanguard or elsewhere. If you have contributed the max ...

Go to advanced search