Search found 47 matches

by jgalt133
Sat Jan 18, 2020 10:57 pm
Forum: Personal Investments
Topic: What to do with PIMIX?
Replies: 2
Views: 374

Re: What to do with PIMIX?

I would sell it in taxable and buy it in tax deferred. Cheers :greedy Thank you. That is what I am leaning towards. It seems that any bonds that need to be allocated to taxable should be of the lowest-yielding variety (e.g., treasuries). Any high-yield bonds should be held in tax-deferred unless th...
by jgalt133
Fri Jan 17, 2020 3:37 pm
Forum: Personal Investments
Topic: What to do with PIMIX?
Replies: 2
Views: 374

What to do with PIMIX?

I have a large stake in PIMIX in my taxable account (5% of my total holdings, approx. $100k). PIMIX was purchased by an AUM advisor that I am no longer with. It has a very high expense ratio, so I'm trying to decide what to do with it. It's my last high-expense ratio fund remaining. According to Mor...
by jgalt133
Wed Jan 15, 2020 10:52 am
Forum: Personal Investments
Topic: PIMIX, income, cash, interest rates?
Replies: 68
Views: 9768

Re: PIMIX, income, cash, interest rates?

About 5% of my taxable portfolio is in PIMIX due to my old AUM advisor (whom I have since fired). I have removed all other high-ER funds from my taxable portfolio (and took the capital gains hit). This is the last non-Vanguard fund left in the portfolio. I'm not pleased with the high ER of this fund...
by jgalt133
Sun Jan 12, 2020 12:04 pm
Forum: Personal Investments
Topic: Making tIRA contribution followed by backdoor Roth first thing in year
Replies: 7
Views: 626

Re: Making tIRA contribution followed by backdoor Roth first thing in year

Thank you very much for explaining, I sincerely appreciate it. Just a second question or rather wondering: if you have significant taxable account whose dividends push you into 24% bracket or above, perhaps a Roth 403b makes sense for you than a Traditional 403b? The dividends plus my wife's income...
by jgalt133
Sat Jan 11, 2020 6:21 pm
Forum: Personal Investments
Topic: Making tIRA contribution followed by backdoor Roth first thing in year
Replies: 7
Views: 626

Re: Making tIRA contribution followed by backdoor Roth first thing in year

If you don't have compensation now, but will have compensation enough to contribute to an IRA later in the year, I do not understand why you can't do a direct Roth IRA instead of backdoor Roth? Ate you expecting this compensation that will happen later in the year to be more than $200k? Backdoor Ro...
by jgalt133
Fri Jan 10, 2020 11:53 pm
Forum: Personal Investments
Topic: Making tIRA contribution followed by backdoor Roth first thing in year
Replies: 7
Views: 626

Re: Making tIRA contribution followed by backdoor Roth first thing in year

You can always use the backdoor method for Roth contributions. There is no income limit, apart from having enough for any type of IRA. Thanks! But, I do need to be able to contribute to my tIRA first to initiate the tIRA -> rIRA conversion. You need taxable compensation during the year to contribut...
by jgalt133
Fri Jan 10, 2020 10:44 pm
Forum: Personal Investments
Topic: Making tIRA contribution followed by backdoor Roth first thing in year
Replies: 7
Views: 626

Making tIRA contribution followed by backdoor Roth first thing in year

My wife and I don't currently have sufficient earned income to make our IRA contributions (but we will by the end of the year). We do have some cash sitting in our brokerage account from dividends and capital gains distributions. We'd like to use these funds to perform a backdoor Roth IRA conversion...
by jgalt133
Thu Nov 14, 2019 7:23 pm
Forum: Personal Investments
Topic: Vanguard Funds Preliminary Capital Gains Estimates
Replies: 19
Views: 1958

Re: Vanguard Funds Preliminary Capital Gains Estimates

Thanks for posting this! I was wondering about this. If I don't see a fund (e.g., VTSAX, VTIAX, etc.), that means it's not expected to have a capital gains distribution in December, right?
by jgalt133
Thu Nov 14, 2019 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting/Expense tracking
Replies: 39
Views: 2901

Re: Budgeting/Expense tracking

I am going to look to the Gnu app someone suggested. Great thread. I really love GNU Cash. I use it for business purposes (my single-member LLC). However, I'm looking for something simple to keep track of my personal finances. My wife and I don't need to budget. we are, for the most part, frugal an...
by jgalt133
Thu Nov 14, 2019 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting/Expense tracking
Replies: 39
Views: 2901

Re: Budgeting/Expense tracking

Also used YNAB (non-subscription version) for several years & use the "Fixed" & "Discretionary" main expense categories w/ multiple subcategories. Tracking everything was tedious, but paid off when deciding to retire & now makes it easier to calculated Funded Ratios periodically. What are funded ra...
by jgalt133
Wed Nov 13, 2019 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting/Expense tracking
Replies: 39
Views: 2901

Re: Budgeting/Expense tracking

WageSlave wrote:
Thu Jun 27, 2019 3:37 pm
1. Surprised no one has mentioned GnuCash yet. Free (open source) cross-platform (Windows/Mac/Linux) accounting software. This is my seventh year using it to keep track of every penny.
How do you pull in data from online (e.g., Chase credit cards, etc.)?
by jgalt133
Wed Oct 30, 2019 2:32 pm
Forum: Personal Consumer Issues
Topic: Out of pocket maximum confusion, Health Insurance
Replies: 4
Views: 405

Re: Out of pocket maximum confusion, Health Insurance

In your particular case, the worst-case scenario is: Person 1: Expenses > $6250 Person 2: Expenses > $6250 Then you will expect to pay a total of $12500. For this particular example, there's no real difference between a per-person deductible for two people and a family deductible. If, however, you h...
by jgalt133
Sat Oct 26, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3208

Re: Sanity check on PPO vs HDHP

We hit the worst-case scenario last year. After years of very few medical visits, we wound up with two surgeries, a broken foot, and a mysterious prolonged fever that required a million tests. Hit that 12K out of pocket plus. It was our first year with a high deductible plan and our last, maybe whe...
by jgalt133
Thu Oct 24, 2019 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3208

Re: Sanity check on PPO vs HDHP

If you're nervous, I think it can be instructive to consider a worst case scenario. Under this scenario, the PPO waives the deductible for office visits (meaning you always have a $25 copay), whereas under the HDHP, you are responsible for the full cost of the office visit until you hit the deducti...
by jgalt133
Thu Oct 24, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3208

Re: Sanity check on PPO vs HDHP

Here's another comparison tool. https://docs.google.com/spreadsheet/ccc?key=0AhVLYBT39xj7dFNjUndkWGQ0THZ1Mm4tUnBUNnNUQWc This spreadsheet appears to be a fantastic comparison tool. Is anyone, more familiar than I with insurance, able to verify its accuracy? Based on the results I think I'm going to...
by jgalt133
Thu Oct 24, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3208

Re: Sanity check on PPO vs HDHP

Howie wrote:
Wed Oct 23, 2019 11:14 pm
How do prescription drugs factor into both plans?
For the HDHP, prescription drugs count towards the deductible and out of pocket maximum. For the PPO, it's a separate deductible and out of pocket maximum.
by jgalt133
Wed Oct 23, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3208

Re: Sanity check on PPO vs HDHP

+1. If you're surprised why people continue to choose the PPOs, the missing information is that many people would rather pay a higher premium (out of sight out of mind as a payroll deduction) to get a low fixed copay at the time of service. This is especially true for those who have trouble keeping...
by jgalt133
Wed Oct 23, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3208

Re: Sanity check on PPO vs HDHP

I'm also planning on getting a vasectomy, which is covered on the PPO at 100% (deductible waived) and 80% on the HDHP (deductible applies). Don't know your personal circumstances but that is elective surgery, have you considered having it done this year so it is covered under your current insurance...
by jgalt133
Tue Oct 22, 2019 10:24 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3208

Re: Sanity check on PPO vs HDHP

unless your kid has a chronic condition, five sick visits in one year seems like a lot to this parent. And don't forget with HD plan, you still benefit from any in network discounts. I may have overestimated. I tend to favor calculations on the worse side and prefer to be pleasantly surprised at th...
by jgalt133
Tue Oct 22, 2019 10:22 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3208

Re: Sanity check on PPO vs HDHP

In my experience PPO plans have exactly the same networks as HDHP plans. The network is identical for the PPO and HDHP (they are offered through the same provider and I called to confirm). They even confirmed that the doctor must bill the same amount regardless of whether they bill the PPO or HDHP....
by jgalt133
Tue Oct 22, 2019 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3208

Re: Sanity check on PPO vs HDHP

Every way I look at it, the HDHP is clearly the superior option. It seems too good to be true, so I have a really hard time believing that I calculated everything properly. Might be worth putting your numbers into a couple of comparison tools, e.g., Health Savings Account (HSA) vs. Traditional Heal...
by jgalt133
Tue Oct 22, 2019 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Sanity check on PPO vs HDHP
Replies: 32
Views: 3208

Sanity check on PPO vs HDHP

I have the option enroll my family (three of us) in a PPO or HDHP through my company. My company provides a set amount of money towards the deductible, which means that I will pay a total of $671.28/year for the PPO and receive $1032.72/year for the HDHP (since the premium for the HDHP is less than ...
by jgalt133
Fri Aug 16, 2019 10:07 pm
Forum: Personal Investments
Topic: Tax loss harvesting: slice and dice
Replies: 6
Views: 713

Re: Tax loss harvesting: slice and dice

Why not? One time, I TLH'ed VXUS with VEA and VWO. You just have to accept the fact that simplicity is out of the window. There will be more things to keep track of and it won't be quick to unwind the new position. If it's your hobby, then yeah. If not, find something simpler. Good point. It seems ...
by jgalt133
Thu Aug 15, 2019 5:22 pm
Forum: Personal Investments
Topic: Tax loss harvesting: slice and dice
Replies: 6
Views: 713

Tax loss harvesting: slice and dice

A lot of people seem to propose TLH by finding a "pair" (e.g. VTIAX to FSGDX). Why not also just TLH by selling VTIAX and buying VTMGX and VEMAX in the appropriate market-weight ratio (e.g., 4:1 as suggested by viewtopic.php?t=163885).
by jgalt133
Tue Jun 11, 2019 10:58 am
Forum: Personal Consumer Issues
Topic: Best Laptop/Surface Pro - $1,000 +/-
Replies: 14
Views: 1065

Re: Best Laptop/Surface Pro - $1,000 +/-

Also, if you want to be confused by a plethora of options and opinions, see https://www.reddit.com/r/SuggestALaptop/
by jgalt133
Tue Jun 11, 2019 10:57 am
Forum: Personal Consumer Issues
Topic: Best Laptop/Surface Pro - $1,000 +/-
Replies: 14
Views: 1065

Re: Best Laptop/Surface Pro - $1,000 +/-

I have both the XPS 13 and the Surface Pro 6. They are amazing machines, but I consider them to serve very different purposes. The XPS 13 is my travel workhorse (I have a desktop for when I'm at home or the office) and is perfect for computational and programming tasks. The Surface Pro 6 is the fami...
by jgalt133
Wed May 08, 2019 12:22 pm
Forum: Personal Consumer Issues
Topic: Areas similar to Jungfrau region in terms of transportation
Replies: 23
Views: 1803

Re: Areas similar to Jungfrau region in terms of transportation

The Arlberg in Austria: St. Anton, Zürs, and Lech plus smaller towns such as St. Christoph and Warth. Only St. Anton has a train station but there are good bus connections to Lech and Zürs from Langen station. By train, the area is just 2.5 hours from Zurich. I have only visited the place during th...
by jgalt133
Fri May 03, 2019 10:19 pm
Forum: Personal Consumer Issues
Topic: Areas similar to Jungfrau region in terms of transportation
Replies: 23
Views: 1803

Re: Areas similar to Jungfrau region in terms of transportation

These are all great suggestions. Thank you! I will have to look into each of these. I had not realized Japan had so many interesting options via train/cable car. Being based on the West coast, I will have to check out Japan very soon.
by jgalt133
Fri May 03, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Areas similar to Jungfrau region in terms of transportation
Replies: 23
Views: 1803

Re: Areas similar to Jungfrau region in terms of transportation

The Jungfrau region (https://jungfrauregion.swiss/en/summer/) has an amazing network of railroads, boats and cable cars that let you stay in one area and explore the area without a car. My wife and I were there a few years back, but would love to return with our four year old in a year or two. He w...
by jgalt133
Fri May 03, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: Areas similar to Jungfrau region in terms of transportation
Replies: 23
Views: 1803

Re: Areas similar to Jungfrau region in terms of transportation

Switzerland is generally incomparable for safety, cleanliness, punctuality, reliable and extensive highly developed infrastructure and scenic beauty. Within Switzerland, Interlaken, Zermatt, St. Moritz, and Gstaad may also appeal to you. Other Alpine areas to consider might include Northern Italy a...
by jgalt133
Thu May 02, 2019 3:39 pm
Forum: Personal Consumer Issues
Topic: Areas similar to Jungfrau region in terms of transportation
Replies: 23
Views: 1803

Areas similar to Jungfrau region in terms of transportation

The Jungfrau region (https://jungfrauregion.swiss/en/summer/) has an amazing network of railroads, boats and cable cars that let you stay in one area and explore the area without a car. My wife and I were there a few years back, but would love to return with our four year old in a year or two. He wo...
by jgalt133
Thu Apr 11, 2019 5:19 pm
Forum: Personal Investments
Topic: Estimating distributions from mutual fund (both capital gains and dividends)
Replies: 5
Views: 640

Re: Estimating distributions from mutual fund (both capital gains and dividends)

Thanks! This is extremely helpful. Sounds like I will have to do some homework to track down all these numbers.
by jgalt133
Thu Apr 11, 2019 3:13 pm
Forum: Personal Investments
Topic: Estimating distributions from mutual fund (both capital gains and dividends)
Replies: 5
Views: 640

Estimating distributions from mutual fund (both capital gains and dividends)

I'm in the process of unwinding a complex portfolio of high-fee mutual funds after getting rid of my advisor and transferring my assets to Vanguard. I've sold off all capital losses, but still have a net capital gain of $25,000 (due to some funds that could not be transferred in-kind to Vanguard). F...
by jgalt133
Wed Mar 13, 2019 10:46 am
Forum: Personal Investments
Topic: Muni bonds and Oregon state tax
Replies: 5
Views: 633

Re: Muni bonds and Oregon state tax

Correct, thanks for pointing out the changes in the tax law. I haven't had a chance to do my taxes for the year, so haven't had a chance to reassess my tax brackets.
by jgalt133
Tue Mar 12, 2019 11:21 am
Forum: Investing - Theory, News & General
Topic: Getting asset allocation breakdown
Replies: 5
Views: 390

Re: Getting asset allocation breakdown

Thanks! I suppose I could scrape this website if needed, but a CSV download or API would be better.

Once I have holdings, how do I determine if a particular ticker (e.g., AAPL) is small, medium or large cap? How do I figure out the technology sector?
by jgalt133
Tue Mar 12, 2019 11:04 am
Forum: Personal Investments
Topic: Muni bonds and Oregon state tax
Replies: 5
Views: 633

Re: Muni bonds and Oregon state tax

Thanks! I'm currently in the 25% tax bracket, although I'm hoping to push myself down to a lower bracket now that I've taken over management of my portfolio (my previous financial advisor had generated a bit more in taxable gains than I would have liked). So, it seems that munis don't really make se...
by jgalt133
Tue Mar 12, 2019 11:03 am
Forum: Investing - Theory, News & General
Topic: Getting asset allocation breakdown
Replies: 5
Views: 390

Getting asset allocation breakdown

I'm a programmer by trade, and am very interested in writing a program to produce asset allocation breakdowns for my portfolio much like what one sees via Vanguard and Personal Capital where you can see breakdowns by sector, investment type, domestic vs. international, etc. Is there a source where I...
by jgalt133
Mon Mar 11, 2019 5:47 pm
Forum: Personal Investments
Topic: Muni bonds and Oregon state tax
Replies: 5
Views: 633

Muni bonds and Oregon state tax

Vanguard does not have any Oregon-specific muni funds. While I can find a few through other firms, it doesn't seem like the expense ratios for those funds are worth the hassle. I understand that there may be some advantage to holding bonds in taxable accounts (e.g., https://www.whitecoatinvestor.com...
by jgalt133
Wed Mar 06, 2019 10:52 am
Forum: Personal Investments
Topic: Bonds in taxable vs tax-exempt accounts and growth of account
Replies: 17
Views: 1622

Re: Bonds in taxable vs tax-exempt accounts and growth of account

Has anyone created a calculator/spreadsheet that compares holding bonds in taxable vs tax-deferred? I keep hearing the mantra about avoiding bonds in taxable, but it's more nuanced than that (e.g. missing growth in tax-deferred space due to heavy bond allocation). I'm sure there are numbers/rates y...
by jgalt133
Wed Mar 06, 2019 10:50 am
Forum: Personal Investments
Topic: Bonds in taxable vs tax-exempt accounts and growth of account
Replies: 17
Views: 1622

Re: Bonds in taxable vs tax-exempt accounts and growth of account

Bond investment, tax-free: 1.03^30=2.4273 Bond investment, taxable: 1.0234^30=2.0015 Tax cost: 1-(2.0015/2.4273)=.1755 Stock investment, tax-free: 1.08^30=10.0627 Stock investment, taxable, before sale: 1.077^30=9.2570 Taxable capital gain: 8.2570*(.06/.077)=6.4340 Stock investment, taxable, after ...
by jgalt133
Tue Mar 05, 2019 5:33 pm
Forum: Personal Investments
Topic: Bonds in taxable vs tax-exempt accounts and growth of account
Replies: 17
Views: 1622

Re: Bonds in taxable vs tax-exempt accounts and growth of account

Interesting. I looked up the TSP G fund. I had not realized what a good deal it is. I will incorporate that into my retirement plan. I also appreciate you taking the time to spell out the math for me. That makes a lot of sense. Since I am in an income tax state, it does seem to make sense to allocat...
by jgalt133
Tue Mar 05, 2019 11:15 am
Forum: Personal Investments
Topic: OOSYX vs VWEAX
Replies: 3
Views: 556

Re: OOSYX vs VWEAX

Thank you! This is a great point.
by jgalt133
Mon Mar 04, 2019 1:08 pm
Forum: Personal Investments
Topic: Bonds in taxable vs tax-exempt accounts and growth of account
Replies: 17
Views: 1622

Re: Bonds in taxable vs tax-exempt accounts and growth of account

Thanks! Do you mind if I ask what your taxable:tax-advantaged ratio is (i.e., what percent of your assets are in taxable vs tax advantaged)? I'm just wondering if the bogleheads advice re tax-efficient allocation still applies even when a high percent of net worth is in taxable (which can happen due...
by jgalt133
Mon Mar 04, 2019 11:45 am
Forum: Personal Investments
Topic: Bonds in taxable vs tax-exempt accounts and growth of account
Replies: 17
Views: 1622

Bonds in taxable vs tax-exempt accounts and growth of account

I understand that it's recommended to put bonds in my tax-exempt accounts where possible. However, only 25% of my portfolio is in tax-exempt accounts. The rest is in a taxable brokerage account. I've been reading about portfolio theory and have come up with a 70% stock/30% bond split as my preferred...
by jgalt133
Mon Mar 04, 2019 11:16 am
Forum: Personal Investments
Topic: OOSYX vs VWEAX
Replies: 3
Views: 556

OOSYX vs VWEAX

After ditching my financial advisor whom I was paying a 1% AUM fee, I moved all my holdings to Vanguard and am in the process of converting them to low expense ratio funds. One of the assets my advisor invested in was OOSYX, which seems to be a senior floating rate fund. I can't find much discussion...
by jgalt133
Sun Feb 26, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Inactive LLC and individual 401k
Replies: 6
Views: 1043

Re: Inactive LLC and individual 401k

In my state (Oregon), you simply pay all unpaid annual report fees to reactivate your LLC. No additional penalty. There's a filing $100 fee to dissolve my LLC. However, if after five years of being inactive the state will administratively dissolve my LLC for free. Rather than dissolving and then re-...
by jgalt133
Fri Feb 24, 2017 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Inactive LLC and individual 401k
Replies: 6
Views: 1043

Inactive LLC and individual 401k

My former company asked me to do some consulting for them after I left, so I started a LLC during the year I did consulting for them. I set up an individual 401k for the money I earned from consulting. However, they later went bankrupt so I no longer am getting any income from consulting. I have tho...