Search found 840 matches

by deltaneutral83
Wed Oct 17, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 18
Views: 1297

Re: Tax loss harvesting question

I TLH'd VXUS into IXUS back in August and then back into VXUS last Friday. Bought and sold on same days in Aug/Oct, no free riding and no margin on the account. Assume if I was free riding I would have gotten 74 emails and phone calls from Merrill.
by deltaneutral83
Tue Oct 16, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: PPO vs HDHP + HSA
Replies: 25
Views: 1387

Re: PPO vs HDHP + HSA

If you're all healthy, I'd say go with the HDHP + HSA. I'm 37, DW 35, kids 6 & 4. We've been married over 12 years and only one of those years (when I had a cycling accident) would the PPO have been less costly. The costs, company contribution, and out of pocket maximums on our plan are almost iden...
by deltaneutral83
Tue Oct 16, 2018 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer VTSAX & VTIAX to Chase You Invest?
Replies: 24
Views: 1627

Re: Transfer VTSAX & VTIAX to Chase You Invest?

The brokerage bonus evolving door is much more efficient with ETFs than mutual funds if that's your cup of tea.
Is there any other benefit to doing this, considering that Chase takes the investor class shares of those same funds?
Expense ratio
by deltaneutral83
Mon Oct 15, 2018 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1808

Re: Buy car cash or take low rate loan

I don’t think I’ve heard of increased insurance with loan so I’ll need to check that out. Increased insurance and taxes pertains to the higher priced automobile, not the hypothetical loan. I'm always curious when statements about new/used cars are made as factual when there are others chiming in wh...
by deltaneutral83
Sun Oct 14, 2018 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1808

Re: Buy car cash or take low rate loan

Thanks all. No issues at all with liquidity. It’s a small hassle but $300 a year is still $300 extra. I live my life by nickel and diming everything so every $1 counts. Buying a brand new car for $38k and nickel and diming don't exactly seem to me to go hand in hand. This car will depreciate $8k in...
by deltaneutral83
Fri Oct 12, 2018 7:50 am
Forum: Investing - Help with Personal Investments
Topic: Time to sell international funds in 401k
Replies: 10
Views: 1473

Re: Time to sell international funds in 401k

The time to sell international funds was Jan 22. If you don't have a time machine, suggest you stay the course.
by deltaneutral83
Wed Oct 10, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured/underinsured insurance?
Replies: 14
Views: 541

Re: Uninsured/underinsured insurance?

Your health insurance will cover your medical bills. It will not cover your lost wages, any pain/suffering, and will not step in for the loss of a sense or a permanent injury. The medical bills are the small part of an injury for many people. Thank you for the explanation, what would the circumstan...
by deltaneutral83
Wed Oct 10, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Uninsured/underinsured insurance?
Replies: 14
Views: 541

Re: Uninsured/underinsured insurance?

1. No, you do not need comprehensive and collision to get it. 2. The property damage is the least important - but it would pay if an uninsured driver were at fault. 3. Collision and comprehensive do not cover injury. If an uninsured driver causes serious injury to you and/or passengers - that could...
by deltaneutral83
Wed Oct 10, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: 5 ways target-date funds let investors down
Replies: 38
Views: 3409

Re: 5 ways target-date funds let investors down

Didn't read article but just off the top of my head: (1) Can't utilize placement of assets based on tax efficiency across all accounts (bonds in tax advantaged accounts only for example); moreoever, (1B) some people can genuinely withstand 100/0 AA in the beginning. 10% bonds at the beginning of the...
by deltaneutral83
Thu Oct 04, 2018 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Learned some lessons... back for fresh approach
Replies: 17
Views: 2129

Re: Learned some lessons... back for fresh approach

Questions: - The Morgan Stanley guys weren't thrilled about VXUS and thought there were better international vehicles available... like their structured investments that followed different international market indices. Stay the course with VXUS or are there better options for international exposure...
by deltaneutral83
Wed Oct 03, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: What fund(s) for my HSA investments?
Replies: 8
Views: 620

Re: What fund(s) for my HSA investments?

How do employers mandate that you use whatever HSA options they have? Do they withhold any HSA contributions if you try and go the Lively route and not use the in house account? Otherwise, why wouldn't you move to Lively and get whatever funds you want for $30 a year (and you can purchase shares fro...
by deltaneutral83
Mon Oct 01, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: New Dual Physican Couple
Replies: 39
Views: 3404

Re: New Dual Physican Couple

Mine: 14393 5.46% 186364 6.51 (government loan, eligible for forgiveness in 4 more years) 12997 3.5% Hers: 25347 8.75% (The loan I want to take care of before the new year) 66434 6.55 (The loan after) 201418 6.5 (Technically eligible for forgiveness, but she didn't start the process in residency/fe...
by deltaneutral83
Mon Oct 01, 2018 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9028

Re: Suze Orman - "I hate the FIRE movement."

She'll say anything to stay in business. Just more click bait comments that aren't true. Some of the BH community would do a lot of good to understand context and audience for people like Orman/Ramsey. More than 90% of the population has no where close to 10x income by aged 65. FIRE'ing early is si...
by deltaneutral83
Mon Oct 01, 2018 9:54 am
Forum: Investing - Theory, News & General
Topic: Should we stay in Crazytown because there's no where to run?
Replies: 129
Views: 14746

Re: Should we stay in Crazytown because there's no where to run?

Sure would be a lot easier if the US market returned 0.75% a month with virtually no volatility decade after decade now wouldn't it? We could all take our 9% CAGR and start planning our retirement when we're 25. Doesn't work like that. Play the odds and keep costs low. There's no rolling 30/40 years...
by deltaneutral83
Fri Sep 28, 2018 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Warren Buffet Portfolio Critique
Replies: 56
Views: 4517

Re: Warren Buffet Portfolio Critique

He's already given away about 30-40 billion of BRK stock over the last 20 years. Why do we not mention the fact that he has repeatedly stated he's giving away 99% of his wealth to charities (the Gates/his kids)? I think his wife will get a couple hundred mil but I haven't heard anything recently on ...
by deltaneutral83
Thu Sep 27, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Should we pay off $90K mortgage with idle cash or not?
Replies: 46
Views: 5801

Re: Should we pay off $90K mortgage with idle cash or not?

I guess at this point $90k comes out to well less than 10% of your net worth, so...it probably doesn't matter whether you take the 3.25% guaranteed return or go for more or go for CD's. No one can tell you with certainty that you're making a poor decision either way.
by deltaneutral83
Thu Sep 27, 2018 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6716

Re: New Relationship - Best way to handle finances?

For someone at your stage both parties shouldn't "expect" anything without talking. If she actually knows what you make and still "expects" you to pick up tabs for her and her kid well...
by deltaneutral83
Tue Sep 25, 2018 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Any reason to leave the 401(k) with previous employer open
Replies: 25
Views: 2558

Re: Any reason to leave the 401(k) with previous employer open

When you all roll 401k to next 401k or to tIRA, how long are you out of the market? I'd be uncomfortable being out of the market for 10 days. Or can you transfer your 401k in kind to another 401k/tIRA?
by deltaneutral83
Tue Sep 25, 2018 9:10 am
Forum: Investing - Help with Personal Investments
Topic: Emotional Investor - I'm a mess and need help!
Replies: 83
Views: 6356

Re: Emotional Investor - I'm a mess and need help!

Vanguard PAS for 30 bps and relinquish control to them 100%. I don't think OP needs to be anywhere near the "buy" or "sell" button anytime in the next few years, I am surprised people have suggested OP fix this on his own. Develop another hobby that you can get consumed in so that you aren't thinkin...
by deltaneutral83
Fri Sep 21, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: Chase You Invest, is low cost the new default?
Replies: 13
Views: 1691

Re: Chase You Invest, is low cost the new default?

Should your goal be cheap trades or higher portfolio value? You will most likely in the end be richer with a company with a very high trade cost because you will trade much less. Or both. Many people above the 401k/IRA limit purchase shares in a taxable when they are paid. Also TLH buy(s)/sell(s). ...
by deltaneutral83
Thu Sep 20, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: 401k: Why not only after-tax?
Replies: 37
Views: 4185

Re: 401k: Why not only after-tax?

Also with pre tax you have the option during lean years (taking time off, gap between jobs, retire before 70, etc. etc.) to convert to Roth at an even lower rate than your earning and/or retirement years.
by deltaneutral83
Tue Sep 18, 2018 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Massive Student Loan Debt - Fiancee
Replies: 108
Views: 10311

Re: Massive Student Loan Debt - Fiancee

Undergrad and grad loans are two entirely different things. The other noticeable thing is that anecdotal evidence is in my opinion useless, trends and overall statistics are important. We are on a website that by default has savvy financial mindsets. OP is basically telling us the fiancee is nowhere...
by deltaneutral83
Wed Sep 12, 2018 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Self Directed Accnt at BOA's Merrill Edge. Hidden Fees ?
Replies: 9
Views: 592

Re: Self Directed Accnt at BOA's Merrill Edge. Hidden Fees ?

The only downside that I see is that I cannot purchase admiral class shares for the popular Vanguard funds (VTSAX, etc.), I had to go with the ETF equivalents. I'm curious, I am also with ME for the exact reasons, do you know of another house that will let you purchase Vanguard mutual funds commiss...
by deltaneutral83
Wed Sep 05, 2018 2:10 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey actually suggested borrowing money?
Replies: 38
Views: 3832

Re: Dave Ramsey actually suggested borrowing money?

There are a plethora of $2K used cars held together with chewing gum, temporarily cleared engine codes, duct tape, oil additives and fuel tricks (a 1/4 tank of premium with a couple gallons of E85 does wonders for a few days). Dave Ramsey candidates are not known for "Basic due diligence" skills in...
by deltaneutral83
Wed Sep 05, 2018 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey actually suggested borrowing money?
Replies: 38
Views: 3832

Re: Dave Ramsey actually suggested borrowing money?

Those who listen to DR enough knows he NEVER suggests borrowing money under any circumstance. This is 100% false, no other explanation needed. And swapping a secured car loan for an unsecured loan sounds like yet another terrible idea. The lending institution is already partially unsecured on the u...
by deltaneutral83
Thu Aug 30, 2018 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: American Funds versus Vanguard S and P 500
Replies: 37
Views: 6128

Re: American Funds versus Vanguard S and P 500

Reviving this thread because it is applicable to me. I have been evaluating small company 401ks for friend and I keep hearing from providers how wonderful American Funds are. I do recall that over the very long term their performance has been good, but I wasn't really sure how recent performance fa...
by deltaneutral83
Thu Aug 30, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: # of accounts vs wealth perception
Replies: 14
Views: 1612

Re: # of accounts vs wealth perception

Don't give your info to a third party aggregator. Create a simple spreadsheet in Excel, it doesn't have to be anything fancy. Update it once a quarter or twice a year and you're set. This will help you better understand your overall investment picture as well. I mean I understand not wanting anothe...
by deltaneutral83
Thu Aug 30, 2018 9:06 am
Forum: Personal Consumer Issues
Topic: Car Depreciation Curve, Lifespan, Repairs, & Sweet Spot of Ownership
Replies: 35
Views: 3410

Re: Car Depreciation Curve, Lifespan, Repairs, & Sweet Spot of Ownership

I shoot for $150-$175 a month in average depreciation. Buy a $17-19k used car (currently Honda) for 6 years; I need to be able to sell it for $6-8k if I choose to sell. Keeps me from getting destroyed on depreciation nor do I have to deal with the flip-side of "is today the day the transmission fall...
by deltaneutral83
Wed Aug 29, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11558

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

Another one might be “horrible” 401k plans. People often write about their horrible 401k plan expenses, but then it turns out to be 0.5 or so. It ain’t no admiral share er, but it ain’t horrible either. Interesting post. I happened to post a couple of days ago saying that a 0.46 ER on an S and P 50...
by deltaneutral83
Wed Aug 29, 2018 7:48 am
Forum: Investing - Theory, News & General
Topic: Most commonly misused/misunderstood investing terms and concepts (on BH forum)
Replies: 220
Views: 11558

Re: Most commonly misused/misunderstood investing terms and concepts (on BH forum)

Three-fund portfolio (or whatever) is good enough for you, where "you" is whoever is posting. Pretty sure that whatever is good enough for me is totally up to me. What is good for an individual and what is "up to" an individual are two totally different things. That brings me to the next misunderst...
by deltaneutral83
Thu Aug 23, 2018 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Edward Jones rep door knocking
Replies: 90
Views: 8812

Re: Edward Jones rep door knocking

i told her to consider a flat fee advisor, but i don't feel comfortable saying anymore or taking any stronger of a stance. her and her husband are doing very well for themselves. if they budget, they will soon have far more wealth than my wife and i. they are adults, and its just not my place to do...
by deltaneutral83
Wed Aug 22, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: HSA account with the lowest cost: HSA bank or Vanguard?
Replies: 36
Views: 27635

Re: HSA account with the lowest cost: HSA bank or Vanguard?

To be fair, it was correct when kingsnake wrote it in 2014. TD Ameritrade revamped their commission-free ETF lineup a year ago and dropped all of their Vanguard ETFs from the list. Not exactly, VXUS was never commission free at TDA in my tenure, I engaged in many secure messages to TDA about which ...
by deltaneutral83
Wed Aug 22, 2018 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: HSA account with the lowest cost: HSA bank or Vanguard?
Replies: 36
Views: 27635

Re: HSA account with the lowest cost: HSA bank or Vanguard?

I use HSA bank and have the TD Ameritrade link, you buy Vanguard ETFs for no transaction fees. This is incorrect. As long as you keep a minimum balance of 5k with HSA Bank and opt for paperless statements, annual fees total $0. There are no fees to transfer funds over to the TDA side, and no inacti...
by deltaneutral83
Tue Aug 21, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: Is It Possible to Ever Not Have to Worry about Debt
Replies: 12
Views: 1094

Re: Is It Possible to Ever Not Have to Worry about Debt

https://en.m.wikipedia.org/wiki/Vanderbilt_family You can always spend more than you have. They'd have gone broke at some point, but the depression sped things up drastically. 85% reduction in equities and the system being "flawed" (for lack of a better term) would do in nearly everyone. I don't ev...
by deltaneutral83
Tue Aug 21, 2018 2:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7393
Views: 1550538

Re: U.S. stocks in freefall

Psssst..… S&P 500 hit a new high today. :sharebeer :confused :greedy Last week's news for us TSM'ers Hmm.. VBR folks: hold my beer... we've been all time highs since January. What about us true small-value VIOV folks :). Yep, I'm enjoying watching my VIOV spar with VTI recently in price when 7 mont...
by deltaneutral83
Tue Aug 21, 2018 1:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7393
Views: 1550538

Re: U.S. stocks in freefall

FIREchief wrote:
Tue Aug 21, 2018 1:35 pm
Psssst..… S&P 500 hit a new high today. :sharebeer :confused :greedy
Last week's news for us TSM'ers
by deltaneutral83
Mon Aug 20, 2018 1:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is a million really the benchmark for retirement
Replies: 109
Views: 12031

Re: Is a million really the benchmark for retirement

Pensions and where you live are some of the other variables that matter a lot I would think. Pensions aside, a million saved by age 65 in LCOL with $40k in annual expenses with social security is risking very little. A high earner with $4M net worth at age 58 and $250k in expenses and 7 year gap to ...
by deltaneutral83
Mon Aug 20, 2018 9:55 am
Forum: Personal Consumer Issues
Topic: UPDATE: Credit Card Fraud - $30K
Replies: 66
Views: 8463

Re: Credit Card Fraud - $30K

Get mint/Personal capital or whatever and check all account balances, very easy. Deny all international charges and/or update as you travel abroad. Set your limit for each credit card to give you a text when charge exceeds $xxx.
by deltaneutral83
Sun Aug 19, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: My son was scammed on Craigslist- how to get money back
Replies: 46
Views: 7642

Re: My son was scammed on Craigslist- how to get money back

Why would anyone assume that the institution (in this case BofA) is at fault, for what in the world should they be liable? Wiring money means you trust the other person on the receiving end.
by deltaneutral83
Thu Aug 16, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone try to tax loss harvest and fail?
Replies: 12
Views: 1101

Re: Anyone try to tax loss harvest and fail?

I wouldn't think most people bother with TLH over being down $500 in a taxable account. That's a lot of work to keep $500 of income off the books. I guess if you're equities total 7 figures you probably aren't worried about a TLH-ing a $3k loss either in a taxable account. If your equities are in t...
by deltaneutral83
Thu Aug 16, 2018 10:45 am
Forum: Investing - Theory, News & General
Topic: Anyone try to tax loss harvest and fail?
Replies: 12
Views: 1101

Re: Anyone try to tax loss harvest and fail?

I wouldn't think most people bother with TLH over being down $500 in a taxable account. That's a lot of work to keep $500 of income off the books. I guess if you're equities total 7 figures you probably aren't worried about a TLH-ing a $3k loss either in a taxable account.
by deltaneutral83
Tue Aug 14, 2018 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX vs 3-fund portfolio
Replies: 12
Views: 1485

Re: VTSAX vs 3-fund portfolio

Let's say that superior means very similar risks, but better returns. It appears long team VTSAX and a 3 fund portfolio have similar risks, but VTSAX outperforms Apple is too high risk OP, it does not "appear" at all this way. Suggest the readings and publications frequently mentioned on this site ...
by deltaneutral83
Sat Aug 11, 2018 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 61
Views: 7344

Re: The Best HSA

Wow. Somebody really has covered calls on the brain. I fail to see how they are even remotely necessary or even desired in an HSA of all places. They are another form of market timing. Just another flawed speculation strategy, not investing. Completely disagree. They are perfect for an HSA and perf...
by deltaneutral83
Thu Aug 09, 2018 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 61
Views: 7344

Re: The Best HSA

No, pretty much positive you need to keep $5k at HSA Bank. Maybe your employer is paying the fees? Or HSA Bank hasn't caught up with you yet! I just always keep $5k at HSA Bank, so never get any fees charged. I know that throws away nearly $100 in interest, but I don't feel like the hassle of chang...
by deltaneutral83
Thu Aug 09, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Biggest Threats to Financial Well-Being
Replies: 99
Views: 9500

Re: Biggest Threats to Financial Well-Being

College choice- Spending $150k on a degree that can be had for $40k will teach you compounding interest in reverse real quick. Cars- Most people cannot afford to spend $25k on a car and watch it go down to $15k in 2.5 years, but this is disguised in monthly payments. Works the same way for higher ea...
by deltaneutral83
Wed Aug 08, 2018 4:19 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 83
Views: 17658

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

Whenever I read an HSA thread I am always surprised there is rarely a mention of Further HSA, which used to be Select Account HSA. Lively is $30 ($2.50 /month) a year, no minimums, can invest 100% with TDA which has more than adequate ETFs to build "3F" commission free. The $2.50 a month is also ta...
by deltaneutral83
Mon Aug 06, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: My Credit Card Rewards Strategy
Replies: 28
Views: 2613

Re: My Credit Card Rewards Strategy

BofA Cash Rewards pays back 2% on groceries, but if you have $100K in a Merrill Edge account and have Platinum Honors status, you get a 75% point adder bonus making it 3.5% back on groceries (and Costco). I'm not willing to change brokerages just to get an extra few dollars of credit card rewards. ...
by deltaneutral83
Mon Aug 06, 2018 8:03 am
Forum: Personal Finance (Not Investing)
Topic: HDHP vs PPO with Family Planning
Replies: 16
Views: 1029

Re: HDHP vs PPO with Family Planning

It seems to be a toss-up between the two, where there is not a massive difference between them regarding childbirth costs. Mostly I agree, there seems to be a roughly $1,200 difference in annual premiums and $1,600 in OOP max difference on an individual. I'd lean PPO for this one unless your employ...
by deltaneutral83
Fri Aug 03, 2018 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Co - signed a Mortage, Now wants out
Replies: 57
Views: 6229

Re: Co - signed a Mortage, Now wants out

I don't get the point of a co-signer then. The bank demands a co-signer for his better credit. If the worst credit score among the borrowers is the determining factor, there is no improvement in credit-worthiness from another signer. That can't be the case. As mentioned earlier, It is combined DTI....
by deltaneutral83
Thu Aug 02, 2018 3:57 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 753
Views: 73699

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

A 0 Bps expense ratio on a Tot. Intl. index fund is noteworthy to me at 11 bps currently. On a US TSM we are talking 3-4 bps max savings. Hopefully Vanguard will be slashing their funds in half down to 2 bps and 5-6bps for VTI and VXUS respectively. I guess we will have to see how long the ETF game ...