Search found 795 matches

by MotoTrojan
Wed Nov 22, 2017 12:07 am
Forum: Personal Consumer Issues
Topic: Beware Amazon Price Gouging
Replies: 31
Views: 3422

Re: Beware Amazon Price Gouging

Been meaning to try Jet.com (acquired for $3B by Walmart) which boasts similar shipping/cost with no membership fee.
by MotoTrojan
Tue Nov 21, 2017 11:10 pm
Forum: Investing - Help with Personal Investments
Topic: Question about Best Taxable Account Option - Vanguard Core Bond, REIT, or Global Wellington
Replies: 9
Views: 691

Re: Question about Best Taxable Account Option - Vanguard Core Bond, REIT, or Global Wellington

If you're holding Wellington in tax-advantaged and are out of space for bonds, the answer is to replace Wellington with a mix of stock and bond funds that gets you back to your AA. Wellington is around 65% stocks/35% bonds, so you can shift towards Wellesley (basically the opposite) or manage your ...
by MotoTrojan
Tue Nov 21, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: My parents just received a large inheritance and I need to help them keep it
Replies: 12
Views: 1767

Re: My parents just received a large inheritance and I need to help them keep it

What will cost of living be in the other country? Also, assuming they don't have any sizable tax-advantaged places to store assets, I'd consider using the LifeStrategy Conservative Growth Mutual Fund VSCGX. This fund holds nearly what you have mentioned, with slightly more Total US, and a mix of Int...
by MotoTrojan
Tue Nov 21, 2017 10:40 am
Forum: Personal Finance (Not Investing)
Topic: where should I put my direct deposit?
Replies: 19
Views: 1389

Re: where should I put my direct deposit?

Doesn't really matter where it goes, you'll be transferring in one direction or the other. I'd go into checking, and then setup an automatic monthly/bi-weekly transfer into your savings vehicle(s) (Vanguard, high-yield savings). Make the amount something you can for sure hit without draining checkin...
by MotoTrojan
Tue Nov 21, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: First time investor looking to jump in market but apprehensive with record highs
Replies: 17
Views: 1471

Re: First time investor looking to jump in market but apprehensive with record highs

DCA if it helps, but don't let it go more than 6-12 months. I'd at-least lump-sum the majority of it. Perhaps go for a CD for kitchen remodel or similar funds you may want in the near-term. Also, look into tax-efficient fund placement. You don't want to hold bonds in taxable; ideally just Total US &...
by MotoTrojan
Tue Nov 21, 2017 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Post for Livesoft
Replies: 34
Views: 4834

Re: Post for Livesoft

Wow that is an impressive feat with the small-cap fund! I am 100% equity, with 20% US SCV (VIOV), so not as well setup for such a maneuver. I don't think it was so impressive. Your VIOV has a 3-month performance of 12.7%. So you just needed to buy shares 3 months ago. :twisted: For some performance...
by MotoTrojan
Mon Nov 20, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Post for Livesoft
Replies: 34
Views: 4834

Re: Post for Livesoft

Wow. That's absolutely amazing. It is kind of amazing --- especially when I stated that I make only a few more transactions than a lot of other people. But I will say that I tend not to make small dollar-amount trades anymore because such small amounts won't have a significant change to my portfoli...
by MotoTrojan
Mon Nov 20, 2017 6:06 pm
Forum: Investing - Help with Personal Investments
Topic: Investing at the top
Replies: 19
Views: 1280

Re: Investing at the top

DCA over 3 years. You won't invest at peak but through the course. nobody really know what will happen. but you won't make money stau out of the the market. so just divide your cash in 36 or even 60 then DCA it. 6-12 months, maybe, but this is way too long. Are you going to pull out your assets eve...
by MotoTrojan
Mon Nov 20, 2017 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Just Moved $1.6MM from 401K to Vanguard IRAs - now what?
Replies: 10
Views: 1819

Re: Just Moved $1.6MM from 401K to Vanguard IRAs - now what?

I agree with those saying to use a fund of funds. If your real motive is ease for heirs, I'd strive to transition all tax-advantaged assets towards that, and then equities (total indexes) in taxable. If you want to stick with your plan, I'd research alternative US SCV funds. I use VIOV (same as IJS)...
by MotoTrojan
Sun Nov 19, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on my asset allocation?
Replies: 24
Views: 1476

Re: Thoughts on my asset allocation?

I'd at least add some small cap int exposure via VSS, and swap VBR for VIOV (smaller).
by MotoTrojan
Sun Nov 19, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Want to build dream workshop/garage, but don't know how to start
Replies: 46
Views: 2131

Re: Want to build dream workshop/garage, but don't know how to start

I'm a few months or years away from early retirement, and my dreams don't include much travelling. I want to spend my time making things. So I want to build a workshop, but I have no idea where to begin! I'm thinking of a building around 30X50 feet, 10-15 feet tall, with some garage type doors so p...
by MotoTrojan
Sun Nov 19, 2017 6:16 pm
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 77
Views: 9265

Re: Valuation of EE Savings Bonds

I was thinking about this again and I'm revising my answer from four years ago: on my spreadsheets, I have started adding 5% each year (over initial value). For instance, a $10,000 EE bond bought 5 years ago would be marked $1,250 on the spreadsheet. Why? Because these are the last things I would s...
by MotoTrojan
Sun Nov 19, 2017 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Regular 401K vs Roth 401K
Replies: 30
Views: 1639

Re: Regular 401K vs Roth 401K

Sweet. In my example, I assumed $18K of after-tax money is invested, so if you invested in the traditional 401k, your tax savings would then be invested in taxable. Assuming you were in the same tax-bracket in retirement, you'd be better off with the Roth. I guess I could see some scenarios where g...
by MotoTrojan
Sun Nov 19, 2017 4:54 pm
Forum: Investing - Help with Personal Investments
Topic: Regular 401K vs Roth 401K
Replies: 30
Views: 1639

Re: Regular 401K vs Roth 401K

Do Roth 401Ks allow $18K of after-tax money? If so, that allows more spending-power to be sheltered from taxes... shouldn't that offset the decision somewhat, for someone who can afford >$18K of after-tax saving? It could matter somewhat, depending on what happens to the money "left over" after the...
by MotoTrojan
Sun Nov 19, 2017 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: 1st draft of my portfolio to evaluation [feedback please] [Europe]
Replies: 10
Views: 561

Re: 1st draft of my portfolio to evaluation [feedback please] [Europe]

Few notes. VBR, the Small-value VG fund, is also sort of a mid-cap fund (as you mentioned about the International one). You may want to look into IJS, VIOV, or other small-value indexes that follow the S&P 600, if you want better exposure to small. S&P 500 is not really the same as a large-cap growt...
by MotoTrojan
Sun Nov 19, 2017 3:21 pm
Forum: Investing - Help with Personal Investments
Topic: Regular 401K vs Roth 401K
Replies: 30
Views: 1639

Re: Regular 401K vs Roth 401K

Do Roth 401Ks allow $18K of after-tax money? If so, that allows more spending-power to be sheltered from taxes... shouldn't that offset the decision somewhat, for someone who can afford >$18K of after-tax saving?
by MotoTrojan
Sun Nov 19, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Best Method To Correct Roth IRA Excess Contributions
Replies: 9
Views: 407

Re: Best Method To Correct Roth IRA Excess Contributions

With no other IRAs (specifically no pre-tax ones) I would contact Vanguard over the phone to re-characterize this as a non-deductible IRA contribution. Then you can convert that back into your Roth (this can be done with a couple mouse-clicks on the VG website). Will need to fill out some paperwork ...
by MotoTrojan
Sun Nov 19, 2017 2:19 pm
Forum: Investing - Theory, News & General
Topic: Oregon makes you save, unless you object. NYT article
Replies: 50
Views: 3472

Re: Oregon makes you save, unless you object. NYT article

What would happen if 75%+ of the population started saving/investing like the average Boglehead? Prices go up short term, but decreased spending reduces earnings? CAPE-PE10 of 30 becomes a steal? In some ways, don't we rely on those with less foresight to transfer us their wealth through frivolous s...
by MotoTrojan
Sun Nov 19, 2017 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: The valet smashed my Tesla into a brick wall!
Replies: 102
Views: 10513

Re: The valet smashed my Tesla into a brick wall!

OP, I totally get where you are coming from. Several years ago I stayed in a hotel in downtown Philadelphia that only had valet parking, so I let them park my manual transmission car. When they brought it back to me the next morning, it smelled of burnt clutch. I bought it up to the valet manager, ...
by MotoTrojan
Fri Nov 17, 2017 6:19 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 80
Views: 5224

Re: Tesla truck unnveil

So what do you guys think about Tesla stock? I have about 10% of my stock portfolio in TSLA. Overvalued, risky, and not much upside. That is my $0.02s. I don't buy individual stock anymore, but I'd say the stock is worth it. Its one of the very, very few companies I can point to today and say they ...
by MotoTrojan
Fri Nov 17, 2017 5:17 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 80
Views: 5224

Re: Tesla truck unnveil

gougou wrote:
Fri Nov 17, 2017 4:47 pm
So what do you guys think about Tesla stock? I have about 10% of my stock portfolio in TSLA.
Overvalued, risky, and not much upside. That is my $0.02s.
by MotoTrojan
Fri Nov 17, 2017 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account investments
Replies: 7
Views: 825

Re: Taxable account investments

Actually, I am trying to find a way to keep a 50/50 split in order to control volatility. My IRA is now all bond funds so I can't add to bonds when I buy stock funds. I guess one thing I could do is use VDADX which is an index fund that invests only in high quality companies. That might help contro...
by MotoTrojan
Fri Nov 17, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 80
Views: 5224

Re: Tesla truck unnveil

My wife, who has not wanted a Model S or X (or a semi, for that matter), is intrigued by the new Roadster. Range is plenty, and if we can learn to fold ourselves into and out of it, she’s game. Last kid should be out of college by the time it’s available. It would be a wonderful retirement present ...
by MotoTrojan
Fri Nov 17, 2017 10:59 am
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 80
Views: 5224

Re: Tesla truck unnveil

My wife, who has not wanted a Model S or X (or a semi, for that matter), is intrigued by the new Roadster. Range is plenty, and if we can learn to fold ourselves into and out of it, she’s game. Last kid should be out of college by the time it’s available. It would be a wonderful retirement present ...
by MotoTrojan
Fri Nov 17, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Is it a bad idea to invest several times a month?
Replies: 13
Views: 1225

Re: Is it a bad idea to invest several times a month?

I use ETFs so there are floors to how little I can invest, but in general if this works for you great, I see no problems. Could add to money market and purchase funds every 2 weeks if that stability would clean things up and make you feel better.
by MotoTrojan
Thu Nov 16, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: The passive investing trap
Replies: 23
Views: 4306

Re: The passive investing trap

For many of us, it's about cost. If an astute active manager worked for 0.1 ER I would probably try one with a small portion of my portfolio even if they traded a lot. Even if your Very-Cheap-Active-Fund would actually have a ER that low, it would still be at a disadvantage due to frequent capital ...
by MotoTrojan
Thu Nov 16, 2017 1:28 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102173

Re: U.S. stocks in freefall

Up 1.2% so far today, falling the wrong way!
by MotoTrojan
Wed Nov 15, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1102173

Re: U.S. stocks in freefall

...Imagine when (and it could be tomorrow...or...maybe not) that we have one of those normal corrections. Many people will lose their minds! What about a 15% drop!? Oh and when that happens, you won't see a peep out of the "WHAT ARE YOU UP YTD" thread... I did a bit of math here, as an experiment, ...
by MotoTrojan
Wed Nov 15, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Too much risk for early retirement?
Replies: 21
Views: 3187

Re: Too much risk for early retirement?

Personal Capital app may help here.
by MotoTrojan
Wed Nov 15, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Auto-insurance Shopping
Replies: 8
Views: 529

Re: Auto-insurance Shopping

Bait and switch? They have to pay for either CLUE or A-PLUS to find previous claims but they should ask you up front too. Did they not even ask if you had an accident? I provided what I deemed relevant (all accidents and citations, regardless of fault) but did not include the vandalism. A quote was...
by MotoTrojan
Wed Nov 15, 2017 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Auto-insurance Shopping
Replies: 8
Views: 529

Re: Auto-insurance Shopping

Bait and switch? They have to pay for either CLUE or A-PLUS to find previous claims but they should ask you up front too. Did they not even ask if you had an accident? I provided what I deemed relevant (all accidents and citations, regardless of fault) but did not include the vandalism. A quote was...
by MotoTrojan
Wed Nov 15, 2017 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Auto-insurance Shopping
Replies: 8
Views: 529

Re: Auto-insurance Shopping

A independent agent/broker may have access to multiple carriers. However, your age and claims history may not be conducive to the rate you want to pay. Understood. My frustration in that regards is that Progressive, when quoting with my accident/ticket history, was ~$800/yr cheaper, and then they f...
by MotoTrojan
Wed Nov 15, 2017 2:14 pm
Forum: Personal Finance (Not Investing)
Topic: Auto-insurance Shopping
Replies: 8
Views: 529

Auto-insurance Shopping

As part of my transition to a Boglehead lifestyle, I want to trim the fat wherever I can. One place I spend a decent amount ($250/month) is auto-insurance. I drive a newer sport sedan, but the cost was mostly jacked up by an accident (at-fault) and a comprehensive claim (not at fault, vandalism) whi...
by MotoTrojan
Wed Nov 15, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: New TV for Father
Replies: 22
Views: 1596

Re: New TV for Father

My dad just got his first OLED (plasma guy in past) and is very disappointed with picture. Could need some tuning but to my eye it looked off as well. Not as sharp.
by MotoTrojan
Tue Nov 14, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: Bogle has a forecast...
Replies: 19
Views: 4231

Re: Bogle has a forecast...

I'm thinking average is what will be insane! I have a +15% nominal this year. Next year -10%?! You sound like you started investing recently and aren't aware of the normal way the market moves. It is rare to have the market return within a couple % of the long-term average. Rather, it frequently ha...
by MotoTrojan
Tue Nov 14, 2017 12:42 pm
Forum: Investing - Theory, News & General
Topic: Regret of selling winning stocks early
Replies: 64
Views: 8549

Re: Regret of selling winning stocks early

Texas Pacific Land Trust (TPL) - A retired friend who day-trades as a hobby tipped me off to this in Summer 2014, when oil stocks were plummeting, due to fracking and over-supply. The stock was 225 a few months earlier and I got in at 175. It kept dropping and every week he kept telling me to buy, ...
by MotoTrojan
Tue Nov 14, 2017 12:22 pm
Forum: Investing - Theory, News & General
Topic: Regret of selling winning stocks early
Replies: 64
Views: 8549

Re: Regret of selling winning stocks early

Texas Pacific Land Trust (TPL) - A retired friend who day-trades as a hobby tipped me off to this in Summer 2014, when oil stocks were plummeting, due to fracking and over-supply. The stock was 225 a few months earlier and I got in at 175. It kept dropping and every week he kept telling me to buy, ...
by MotoTrojan
Mon Nov 13, 2017 4:51 pm
Forum: Investing - Theory, News & General
Topic: Buffett 90/10 Portfolio vs Target Retirement
Replies: 29
Views: 3230

Re: Buffett 90/10 Portfolio vs Target Retirement

Why limit yourself to one fund? As your portfolio gets bigger, and/or you want to shift towards more "cash", you will start to take some serious drag (losses really) by just holding the cash portion in your money-market. A 3-fund portfolio, or Target Retirement/Lifestrategy type fund (especially in ...
by MotoTrojan
Mon Nov 13, 2017 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Losing all of your savings.
Replies: 41
Views: 5709

Re: Losing all of your savings.

If lost in equities, you can claim that loss and make a fraction of it back over your life.
by MotoTrojan
Mon Nov 13, 2017 10:29 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Soylent?
Replies: 24
Views: 1559

Re: Anyone Tried Soylent?

Know people that used it during week for cheap meals. I would ensure some regular food is eaten too. Known for causing unpleasant gas.
by MotoTrojan
Mon Nov 13, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Invest all my savings in a house?
Replies: 10
Views: 1220

Re: Invest all my savings in a house?

I would not split a house until I was married but that's just me. Maybe you buy and she pays a reasonable rent?
by MotoTrojan
Sun Nov 12, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Am I loopy for thinking about doing this? [Change stock allocation]
Replies: 10
Views: 1398

Re: Am I loopy for thinking about doing this?

I guess I don't understand why you would sell stocks then slowly buy them back, unless you were convinced the market was going to drop in the short term (which also wouldn't make sense to me). Is it because you like the idea of dollar cost averaging? +1 Curious what you desired outcome is OP. 5-7 y...
by MotoTrojan
Sun Nov 12, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: To backdoor or not??
Replies: 7
Views: 725

Re: To backdoor or not??

I’m recommending to him that he do a backdoor Roth. If it turns out to be an unnecessary step, c’est la vie, no harm no foul. 6bquick, I agree there is no harm no foul if you prefer to do this. What you have to remember is this. If there is any gain before the conversion (e.g. contribute $5,500 and...
by MotoTrojan
Fri Nov 10, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative to Mint for portfolio analysis
Replies: 16
Views: 1730

Re: Alternative to Mint for portfolio analysis

I am managing my mother's portfolio and finances for her. I created an account at Mint to aggregate all her financial information. It seems to work decently for the financial stuff but when it imported her portfolio information, one of the holdings' (a mortgage backed security) cost basis imported ...
by MotoTrojan
Thu Nov 09, 2017 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Criticize my portfolio please but have mercy on me
Replies: 21
Views: 2368

Re: Criticize my portfolio please but have mercy on me

Don't do a non-deductible IRA unless you plan to convert to Roth (backdoor). I agree with others, you should take ownership of your 401k. That way you can allocate your overall asset allocation in a tax-efficient manner (bonds in 401k). Don't do anything more complicated than 3-fund portfolio. Good ...
by MotoTrojan
Thu Nov 09, 2017 4:39 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 260
Views: 35022

Re: Selling all equities, discuss why I'm wrong. :)

I am 50/50 as well.. That way I don't have to guess what's going to happen in the future (and that's what the OP did, guess). If the market goes up, great, 50% of my money is growing. If the market goes down, ah well, at least half my money is safe. Calais.... listen to me for a second. You know th...
by MotoTrojan
Thu Nov 09, 2017 3:31 pm
Forum: Investing - Theory, News & General
Topic: Selling all equities, discuss why I'm wrong. :)
Replies: 260
Views: 35022

Re: Selling all equities, discuss why I'm wrong. :)

Not sure if anyone remembers this thread but here's a update 2+ years since I sold all equities on 9/1/15 The portfolio I probably 'should' be using: Vanguard life strategy growth: Up 28% including reinvested dividends. My model no equities portfolio: up 4% I still have no equities but my portfolio...
by MotoTrojan
Thu Nov 09, 2017 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Selling ISOs and AMT
Replies: 23
Views: 1251

Re: Selling ISOs and AMT

Good plan. Since discovering this forum/philosophy I sold 60% of my ~$100K rsu's, but am hoping the new startup gig pans out like yours; lower odds but would be a life changing low/mid 7-figure payout. At that point I don't care about taxes, just get the risk away. Very similar situation for me. On...
by MotoTrojan
Thu Nov 09, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: Improved returns from rebalancing asset allocation
Replies: 6
Views: 557

Re: Improved returns from rebalancing asset allocation

I'm trying to confirm a thought I had about why it makes sense to have some bonds in a portfolio. I know the whole historical trend is that a portfolio with 100% stock has higher returns than 90/10, 80/20, or 70/30. However, I was thinking that having some bonds in a portfolio during a bear market ...
by MotoTrojan
Thu Nov 09, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Selling ISOs and AMT
Replies: 23
Views: 1251

Re: Selling ISOs and AMT

Apologies for leaving my pronouns ambiguous; I am in fact a "he." Congrats on early-exercising and it working out! I'd look into selling some now and some on 1/1/18 to see if you can trim back some taxes with minimal risk (2 months), but other than being pushed into AMT from straight up AGI, you sh...