Search found 204 matches

by investor997
Wed Feb 21, 2018 11:14 am
Forum: Personal Consumer Issues
Topic: Trade my BMW?
Replies: 43
Views: 2106

Re: Trade my BMW?

Having owned BMWs (2007 335i, 2008 328i) and Toyota 4Runners (2004), my recommendation is to keep the X3. The 4Runner is a body-on-frame SUV and it drives like it. Unless you plan to drive dirt roads or go off-roading (which I do in mine and I love), there are better vehicles. Regarding the BMW: As ...
by investor997
Mon Feb 19, 2018 2:05 am
Forum: Personal Finance (Not Investing)
Topic: Help with issues on 401k rollover in H&R Block
Replies: 2
Views: 250

Re: Help with issues on 401k rollover in H&R Block

I just ran into this problem myself. I did a pretty large mega back door Roth IRA in 2017 and even though Fidelity reported the numbers correctly on the 1099R form, H&R Block just mistakenly calculated an enormous tax bill. No fix as of 2/18. The software says the next scheduled update will be avail...
by investor997
Sun Feb 18, 2018 4:18 pm
Forum: Personal Consumer Issues
Topic: Bogleheads with $100K+ MSRP cars?
Replies: 92
Views: 8733

Re: Bogleheads with $100K+ MSRP cars?

I have a 2010 911 Carrera S (997.2). Original MSRP was $105K. Bought it in 2014 for $60K. Can't see buying any of these things new. I'm happy to let someone more "fortunate" than I to suffer the worst part of the depreciation curve.
by investor997
Fri Feb 16, 2018 2:35 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 269
Views: 39683

Re: TLH for absolute dummies [Tax Loss Harvesting]

I recently executed a TLH of VTI due to this month's market downturn. Note that I normally buy VTI on a biweekly basis coincident with my pay period, so I have quite a few small lots of shares to choose from. Scottrade, my broker, offers several different choices for recording gains and losses, the ...
by investor997
Sun Feb 11, 2018 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: TLH compatibilty between VTI, SCHB and FSTVX
Replies: 9
Views: 599

Re: TLH compatibilty between VTI, SCHB and FSTVX

Thank you all for the responses. I didn't think the topic was going to be quite this...controversial. My main concern was the difference between the Dow Jones U.S. Broad Stock Market Index (SCHB) and the Dow Jones U.S. Total Stock Market Index (FSTVX). It would seem as if they differ enough for TLH ...
by investor997
Sat Feb 10, 2018 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: TLH compatibilty between VTI, SCHB and FSTVX
Replies: 9
Views: 599

TLH compatibilty between VTI, SCHB and FSTVX

Hi all, I'm looking for verification of tax loss harvesting compatibility between the following three investment choices: VTI: The fund employs an indexing investment approach designed to track the performance of the CRSP US Total Market Index , which represents approximately 100% of the investable ...
by investor997
Mon Feb 05, 2018 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Just another brokerage transfer question- TD Ameritrade to...
Replies: 13
Views: 758

Re: Just another brokerage transfer question- TD Ameritrade to...

I'm in the same boat. I'm moving to Merrill Edge. 30+ free trades per month of any ETF, including Vanguard for a $50K+ balance. Plus xfer bonus cash: https://www.merrilledge.com/Bonus900
by investor997
Mon Feb 05, 2018 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity IRA to Roth IRA wait time?
Replies: 8
Views: 497

Re: Fidelity IRA to Roth IRA wait time?

It took the better part of a week before the funds became "available for withdrawal" and I was able to initiate the Roth conversion. If you want deploy it today you could always trade it immediately and buy some ETFs; then wait until the funds become available, sell the ETFs and initiate the convers...
by investor997
Sat Feb 03, 2018 4:33 pm
Forum: Personal Consumer Issues
Topic: For BHs who actually like cars - [what car do you drive every day?]
Replies: 261
Views: 14505

Re: For BHs who actually like cars - what is your daily driver?

2004 Toyota 4Runner (daily driver)
2010 911 Carrera S (weekender, occasional daily driver)
by investor997
Fri Feb 02, 2018 9:45 pm
Forum: Investing - Theory, News & General
Topic: Opening Roth IRA - Vanguard or Fidelity or Charles Schwab
Replies: 11
Views: 987

Re: Opening Roth IRA - Vanguard or Fidelity or Charles Schwab

Do you have a 401k with your employer? If so, is it with Fidelity? And can you do mega back-door Roth IRAs with it? If so, I suggest Fidelity for your Roth IRA. If not, probably Schwab because their index mutual funds have no investment minimums.
by investor997
Wed Jan 24, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 847
Views: 144749

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Anyone here with a Scottrade account on the brink of being transferred to TD Ameritrade? I transferred an account to Scottrade in March of last year and they paid me a $300 bonus. 12-month commitment or I pay it back. I'm wondering if this requirement is released given TD's acquisition and transfer ...
by investor997
Tue Jan 23, 2018 11:46 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 847
Views: 144749

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Possible new offer from ME:

https://www.merrilledge.com/Bonus900

50% larger than normal, but it looks like it's for IRAs only and you must already have Preferred Rewards status with ME and/or BofA.
by investor997
Mon Jan 22, 2018 12:06 pm
Forum: Personal Consumer Issues
Topic: Kauai Travel Tips
Replies: 43
Views: 2297

Re: Kauai Travel Tips

I rented a VRBO in Princeville a couple years ago. It was freshly remodeled/beautifully furnished but chickens woke me up at 3-4am and there were bugs... as in roaches.. everywhere. I went back a year later and stayed at the Westin Princeville Villas - much nicer. I think the resorts do a better job...
by investor997
Fri Jan 19, 2018 2:08 am
Forum: Personal Finance (Not Investing)
Topic: The wisdom of buying a car that doesn't depreciate (much)
Replies: 36
Views: 5640

Re: The wisdom of buying a car that doesn't depreciate (much)

I'd look at the one in StL. You should also look at the Toyota stuff. 4Runners, especially the TRD Pro version, hold their value. And if you're okay with something ~5 years old, look for a 200-series Land Cruiser or Lexus LX570. They've depreciated down to the sweet spot. They're genuine, serious tr...
by investor997
Thu Jan 18, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Automatic Investing
Replies: 11
Views: 690

Re: Automatic Investing

I believe the only way to set up automatic investing at Fidelity is to invest in mutual funds. Can't do it with ETFs. Problem is, Fidelity's mutual funds are not tax efficient (FSTVX, FFNOX, etc). I'd only use them in a tax-advantaged account like a Roth IRA. You could do the same at Vanguard using ...
by investor997
Thu Jan 18, 2018 1:19 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge best choice for higher net worth accounts?
Replies: 39
Views: 4744

Re: Merrill Edge best choice for higher net worth accounts?

If Merrill pays you a bonus for moving over a Roth IRA is that considered a contribution? Or do they deposit it into another account (ie BoA checking)?
by investor997
Mon Jan 15, 2018 2:13 am
Forum: Personal Consumer Issues
Topic: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed
Replies: 41
Views: 2054

Re: Traveling to Germany (Bavaria) in April/May - Itinerary Help Needed

BMW factory tour all the way. In fact, BMW European Delivery is a great way of getting a "free" rental car while you're in Europe. This is a topic for a different thread, I suppose... I've stayed at Hotel Uhland. Small hotel, nothing too fancy. It gets the job done. I've also stayed at the Munich Ma...
by investor997
Fri Jan 12, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Insurance: Who do you use? (Auto/Home)
Replies: 32
Views: 1854

Re: Insurance: Who do you use? (Auto/Home)

Had been using AAA for both condo and auto for years up until very recently. One of my neighbors experienced an issue with a sewer line break that caused me to seek out this type of coverage (see this thread: https://www.bogleheads.org/forum/viewtopic.php?f=11&t=221506 ). I wound up switching everyt...
by investor997
Thu Jan 04, 2018 4:23 pm
Forum: Investing - Theory, News & General
Topic: How long will Ishares etfs be commission free at Fidelity?
Replies: 11
Views: 1260

Re: How long will Ishares etfs be commission free at Fidelity?

I recently went through this decision process and here are the choices for enabling commission-free trades I came up with: 1) Fidelity = iShares ETFs (ITOT, IXUS, AGG) 2) TD Ameritrade = State Street SPDRs (SPTM, SPDW, SPAB) 3) Schwab = Schwab's own ETFs (SCHB, SCHF/SCHE, SCHZ) 4) Vanguard = Vanguar...
by investor997
Tue Jan 02, 2018 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Wills and Trusts...
Replies: 3
Views: 541

Wills and Trusts...

My Relevant stats: Age: 44 Status: Single Location: CA Residence: Own it, Zillow value = $550K Investments: $900K spread across 401k, cash balance pension, Roth IRA and taxable. 80/20 overall mix. Debt: None I do not presently have a will nor do I have anything set up in a trust. My girlfriend (who ...
by investor997
Mon Jan 01, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 11
Views: 834

Re: Hawaii vacation suggestions

Can't go wrong with Maui. I recommend a zodiac snorkeling tour. I had a blast. You get to see the rugged lava flows of the island's southernmost points, plus they'll take you to the *outer* rim of Molokini crater for snorkeling. This was incredible - the water was amazingly clear and you can see the...
by investor997
Sun Dec 31, 2017 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 11257

Re: Another should i buy my dream porsche thread...

Pcarfan911 There's your answer. The 997.2's are the sweet spot for a nice, new-ish, "value" 911, especially the 911S. They have the newer DFI motor, no IMS, and were sold in low numbers - I presume due to the 2008-2010 recession - so they should hold value quite well. The 997.2S should go for about...
by investor997
Sun Dec 31, 2017 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 11257

Re: Another should i buy my dream porsche thread...

So what's the advantage of the GTS vs S? Depends on the generation, but for the 997.2 the main differences on the GTS were: 1) it had the rear widebody hips from the C4/C4S, even on 2wd models 2) It had the Sports PASM suspension, ie "SPASM", which is 10mm lower than the already 10mm-lowered Carrer...
by investor997
Sun Dec 31, 2017 12:19 am
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 11257

Re: Another should i buy my dream porsche thread...

There's a big difference in feel of the car and interior of a 997.2 and a 991. If going for a 997.2, make it a GTS... I agree. The 997.2 GTS is awesome - the cream of the 997 crop. Hard to find, also about $60-70k range. You'll pay dearly for the 997.2 GTS. Coupla things to know about 'em: - Even t...
by investor997
Sat Dec 30, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: I Want to Buy a Horrible, Expensive Car
Replies: 155
Views: 9458

Re: I Want to Buy a Horrible, Expensive Car

Land Rovers are formidable off-roaders. Since OP expresses zero interest in off-roading, there is no point in considering one since their reliability and resale value attributes both suck. If OP wants true off-road capability, my suggestion would be to look at a Toyota 4Runner TRD Pro, a Jeep Grand ...
by investor997
Fri Dec 29, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 11257

Re: Another should i buy my dream porsche thread...

Figured I'd chime in with a few thoughts... I have a 2010 Carrera S (997.2), acquired in October, 2014. It replaced an E90 335i that I drove (and loved) for almost 8 years. I suspect like many of you, I bought it because I had an itch that desperately needed scratching, no matter how impractical or ...
by investor997
Fri Dec 29, 2017 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 11257

Re: Another should i buy my dream porsche thread...

watchnerd wrote: ↑
Thu Dec 28, 2017 10:18 pm
Should I get a porsche, too?
of course!

I'm partial to the 997 (duh).
by investor997
Wed Dec 27, 2017 11:57 pm
Forum: Investing - Help with Personal Investments
Topic: Scwhab SCHE/SCHF vs Vanguard VEA/VWO for international exposure
Replies: 3
Views: 371

Re: Scwhab SCHE/SCHF vs Vanguard VEA/VWO for international exposure

I have a mix of all of these. For better or worse, the Vanguard ETFs pay dividends quarterly and the Schwab funds pay dividends only once per year (in December).
by investor997
Wed Dec 27, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Another should i buy my dream porsche thread...
Replies: 240
Views: 11257

Re: Another should i buy my dream porsche thread...

OP,

I recommend you watch this video. It came out a year ago.

https://www.youtube.com/watch?v=nuVUOB6D6-w

I say get yourself a 991, but look for a clean, used 991.1 that's already passed the steepest portion of the depreciation curve.
by investor997
Fri Dec 15, 2017 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Reached 50X annual spending. Now what?
Replies: 56
Views: 6312

Re: Reached 50X annual spending. Now what?

OP, With 50X annual spending in investments, I think having a recent cancer scare at age 62 is all the more reason NOT to work any longer. At this point, time should be worth much more than money to you. I say go buy yourself a brand new pair of name-brand sneakers and wear them to the office on you...
by investor997
Thu Dec 14, 2017 8:26 pm
Forum: Investing - Theory, News & General
Topic: ESPP - Would you participate and what's your strategy
Replies: 24
Views: 1812

Re: ESPP - Would you participate and what's your strategy

My megacorp offers the following ESPP: -Payroll contributions up to 15% -Shares are purchased on the last trading day of the month at a 5% discount off the closing price -Purchased shares are deposited into the employee's account in 3-5 business days after purchase -Plan is administered via Fidelity...
by investor997
Thu Dec 14, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 5363

Re: Southwest Companion Pass [California only]

Anyone else still waiting for notification of the companion pass? I was approved for the card on 11/14 and made my first purchase with it on 11/26. Maybe I'm just being impatient but I've already got a need for it! Follow up: It's 12/14 and I just got my Companion Pass invitation email. Note to Gma...
by investor997
Wed Dec 13, 2017 11:14 am
Forum: Investing - Help with Personal Investments
Topic: mega backdoor help needed
Replies: 7
Views: 713

Re: mega backdoor help needed

Currently I have contributed $20,000 of which $18,000 before tax and $2,000 after tax The before tax will remain in my 401k correct? Yep. Regarding the after tax I would request an in-service distribution. Regarding the gains of the after tax does one put that in a traditional IRA? Currently I only...
by investor997
Tue Dec 12, 2017 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Done gone and did it [Retire]
Replies: 80
Views: 8119

Re: Done gone and did it

Congratulations! For your megacorp - is there any difference between resigning and retiring? Just curious. Not much. You have to retire to get pension benefits. Everything else is the same. Firstly, congratulations! Question on your pension benefit: Had you chosen to resign rather than retire, unde...
by investor997
Sun Dec 10, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Bank of America/Merrill Edge - Preferred Rewards
Replies: 414
Views: 82375

Re: Bank of America/Merrill Edge - Preferred Rewards

FYI: BofA is presently offering a $100 new account bonus on checking accounts for new customers. The account must be funded with two Direct Deposits of at least $250 within 90 days. I opened an account with them on 11/15 and immediately changed my employer direct deposit settings (biweekly). The bon...
by investor997
Fri Dec 08, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Scottrade Bank announces account closures
Replies: 1
Views: 502

Re: Scottrade Bank announces account closures

I think one can always write a check to work around the ACH transfer limits.

I also found it odd that Scottrade sent out this communication without having a proper transition plan to a new TD bank account in place first.
by investor997
Fri Dec 08, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Southwest Companion Pass [California only]
Replies: 58
Views: 5363

Re: Southwest Companion Pass [California only]

Anyone else still waiting for notification of the companion pass? I was approved for the card on 11/14 and made my first purchase with it on 11/26. Maybe I'm just being impatient but I've already got a need for it!
by investor997
Thu Dec 07, 2017 3:12 pm
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 39
Views: 2920

Re: 4WD necessary/recommended on Big Island, HI

When I was on the Big Island, I rented a Ford Escape (2WD). Maybe a little higher ground clearance than the average car but no offroading capability whatsoever. I took it on a dirt road on the northernmost tip of the island. It's only about a mile long and goes from the Upolu Airport to the Mo'okini...
by investor997
Thu Dec 07, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: 4WD necessary/recommended on Big Island, HI
Replies: 39
Views: 2920

Re: 4WD necessary/recommended on Big Island, HI

We took a helicopter tour from Hilo over the active lava flows and cauldron / vent. It was really great, since we didn't have extra days hiking in the park. We did not encounter smog on our trip. Definitely got to see stuff from the helicopter that we would never have seen otherwise. Our boat tour ...
by investor997
Tue Dec 05, 2017 11:27 am
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 33
Views: 1745

Re: Running Linux vs Other OS?

I use Ubuntu 16.04 running inside a virtual machine all the time. I'm also interested in basing my next machine on it. I'm trying to come up with a list of tools or other software I require that I won't be able to run under Linux natively and the list seems quite short. One question I have is tax so...
by investor997
Mon Dec 04, 2017 1:48 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 9023

Re: Growing Number of Electric Vehicles

And by the way, as I was looking at their website, I came across their smart thermostat page. Contrary to your claim up-thread that "buried in the fine print for the rebate offer is the statement that says they will remotely override the thermostat", it's actually nicely explained in the fact sheet...
by investor997
Mon Dec 04, 2017 11:52 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 9023

Re: Growing Number of Electric Vehicles

I'm sorry, but I saw nothing in that article that suggested that the alternative to the demand shedding was a brownout. Did we read the same article? The Flex Alert and subsequent warning on Feb. 6 were called because of extreme cold weather in much of the United States and Canada impacting fuel su...
by investor997
Mon Dec 04, 2017 2:19 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 9023

Re: Growing Number of Electric Vehicles

I disagree this is 'rationing', which implies scarcity, rather than a market with mixed pricing. When these high demand events occur there are in fact additional available resources that can be fired up to meet the demand. Ahh, but in fact there times when there electricity *is* scarce, not to ment...
by investor997
Fri Dec 01, 2017 10:38 pm
Forum: Investing - Help with Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 33
Views: 2830

Re: Have you moved to ETF's? Why or why not?

ETFs for taxable accounts because they're more tax efficient. Merrill Edge lets you buy whatever you want without commission ($50K min assets req'd).

Mutual Funds for IRAs (Roth, etc.) because you can buy them fractionally and they automatically re-invest dividends. No brainer.
by investor997
Fri Dec 01, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: I Can "Afford" This Right? (New Car)
Replies: 60
Views: 4888

Re: I Can "Afford" This Right? (New Car)

Personally, I would lease something. Luxury cars usually have subsidized lease rates and if you buy/finance them, it'll almost certainly cost you more to own than leasing would. Check out leasehackr.com to see what kinds of deals people are getting. If you really want to buy something and not lease,...
by investor997
Thu Nov 30, 2017 7:30 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 9023

Re: Growing Number of Electric Vehicles

...What you're basically saying is that electricity will need to be rationed. We won't be able to charge our cars whenever we want (or need) to. Will people willingly adjust their lives according to whether or not their car will have enough juice in it the next day to get them to where they need to...
by investor997
Tue Nov 28, 2017 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: What Fidelity funds do you use in your 3 fund portfolio?
Replies: 17
Views: 4183

Re: What Fidelity funds do you use in your 3 fund portfolio?

I opened my account with Fidelity not long ago so I'm using FTIPX in my portfolio. I can't comment directly on why FTIPX is newly recommended over FSIVX, but I will mention FTIPX has a 90-day holding period with a 1% early redemption fee. Something to consider.
by investor997
Mon Nov 27, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 9023

Re: Growing Number of Electric Vehicles

Which almost certainly will not happen-- except in rare instances. Not sure about this. Anyone with an electric car will switch to a Time-Of-Use metering plan and program their cars to charge in the middle of the night when rates are lowest. When the clock strikes 10:00, the load will jump to a lev...
by investor997
Mon Nov 27, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 9023

Re: Growing Number of Electric Vehicles

Twice in the past year, the transformer that feeds the community I live in went up in smoke, cutting power to about 200 homes for upwards of 8 hours each time. Most recently it was due to high electrical demand on the hottest day of the year. The first thing that came to my mind after the second bla...
by investor997
Sun Nov 26, 2017 12:40 am
Forum: Personal Consumer Issues
Topic: Charcoal grill
Replies: 18
Views: 1629

Re: Charcoal grill

Get a 22" Weber kettle and add a Slow 'n' Sear:

https://abcbarbecue.com/product/slow-n-sear/