Search found 801 matches

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: 814

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: 814

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: 1349

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: 60
Views: 5894

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: 60
Views: 5894

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: 8885

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: 81
Views: 15773

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: 2408

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: 943

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: 6019

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 two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 621
Views: 52586

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 ...
by deltaneutral83
Thu Aug 02, 2018 8:40 am
Forum: Investing - Help with Personal Investments
Topic: HSA's - when does it make sense?
Replies: 37
Views: 3202

Re: HSA's - when does it make sense?

Why is the question "If you have good funds inside your HSA" asked with regards to an HSA? Lively does $2.50 all in/month and access to State Street's ETF's commission free where you can build a 3F however you wish at expense ratios that are the same as Vanguard. Do some employers mandate you use th...
by deltaneutral83
Tue Jul 31, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: High expense ratio worth it/Portfolio review
Replies: 48
Views: 3420

Re: High expense ratio worth it?

Thanks for the info. That all makes a lot of sense. Looks like running the numbers through the calculator with what they quoted for the returns for the last 16 years on their profile (8.85% returns) would have me down almost $230,000 over the next 30 years. Seems like a little too much for what the...
by deltaneutral83
Tue Jul 31, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Need help approximating total US market index fund
Replies: 6
Views: 251

Re: Need help approximating total US market index fund

RigaRoni wrote:
Tue Jul 31, 2018 11:47 am
These ERs are ridiculous
Not really, it could be worse.

80/20 large cap/small cap will approximate the TSM nicely. I don't mess with the mid caps as it's another layer when I like simplicity. You'll get it close with large/small as they each contain some mid.
by deltaneutral83
Mon Jul 30, 2018 3:34 pm
Forum: Investing - Theory, News & General
Topic: Are stocks dangerously overvalued? Not according to new Vanguard yardstick
Replies: 84
Views: 8492

Re: Are stocks dangerously overvalued? Not according to new Vanguard yardstick

5% nominal for the next ten years on the S&P would result in the worst rolling 30's for nominal (or real) since before the reliable data was available.
by deltaneutral83
Mon Jul 30, 2018 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Pay Down Question
Replies: 37
Views: 1999

Re: Credit Card Pay Down Question

The $500-$1000 in interest charges over the next 3-6 months on the insane interest rate is nowhere close to being as big a priority as fixing the behavior that led to $11k credit card debt with no means to pay off. You have to be mindful that BH's are mostly math oriented and the idea of carrying cr...
by deltaneutral83
Thu Jul 26, 2018 10:52 am
Forum: Investing - Theory, News & General
Topic: Heresy: is using a SP500 index still a valid strategy ?
Replies: 28
Views: 4551

Re: Heresy: is using a SP500 index still a valid strategy ?

So as of the end of Q1 FAANG represented 11% of the S&P, so the other 89% is chopped liver? Good news, FB has decided reduce it's stake :oops:. Buy the haystack to get the needle, the needle will move around frequently though over the years and I know I don't know where it's located other than insid...
by deltaneutral83
Tue Jul 24, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Size Factor Not Dead
Replies: 46
Views: 4459

Re: Larry Swedroe: Size Factor Not Dead

tarheel wrote:
Tue Jul 24, 2018 6:26 am
Would be really interested to see how Larry feels about that paper.
In that radio interview with Jason Parker LS mentioned he was over half in SCV in his personal portfolio. Not sure if it was half of his equities or half overall but nonetheless he certainly believes in the size factor.
by deltaneutral83
Mon Jul 23, 2018 4:09 pm
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 9481

Re: Dealing with HOA Notice

I see a lot of chatter about what was relevant 5 years ago. I'm sure the covenants have been amended since you bought 5 years ago by the HOA board members. Request the most recent copy of the covenants if you want to be 100% sure. Satellites and AC unit notices from HOA's are frequent. I highly doub...
by deltaneutral83
Fri Jul 20, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Financial transparency
Replies: 19
Views: 933

Re: Financial transparency

If she thinks $20k in equities is a reason to stay at the Ritz she likely has a long way to go in the financial literacy arena. This isn't to say it's a deal breaker, but her habits need to be geared in a different direction, which by your story, they didn't appear to be. I can't imagine telling som...
by deltaneutral83
Fri Jul 20, 2018 7:50 am
Forum: Investing - Help with Personal Investments
Topic: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact
Replies: 33
Views: 4230

Re: $800,000 Windfall. Love the 3-Fund portfolio approach. Wealth Managers in contact

I would take 90 days to decompress, place funds into money market, take a few grand for fun. Then, put it into the PAS system at vanguard that charges 30 bps. On your windfall that's less than $2.5k, money well spent in my opinion. If you want to dollar cost average equal amounts over 12-18 months t...
by deltaneutral83
Thu Jul 19, 2018 1:15 pm
Forum: Personal Consumer Issues
Topic: Watch Collection Reasonable or Unreasonable or Irresponsible?
Replies: 104
Views: 5081

Re: Watch Collection Reasonable or Unreasonable or Irresponsible?

There are some pretty 'judgey' posts in this one. For all we know, the OP just got married last year and spent their single years building the watch collection. Let's not forget, they have NO debt and two houses (one rental). I don't think the implied decades of irresponsibility posts are called fo...
by deltaneutral83
Thu Jul 19, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2397

Re: What is the most severe hyperbolic discounting you have ever acted on?

Well, sporting event tickets are worth a lot more before the sporting event than the week after!
by deltaneutral83
Wed Jul 18, 2018 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Another student loan question
Replies: 24
Views: 1128

Re: Another student loan question

Otherwise, I feel like I'm in OK shape. I have a mortgage, but it's much less than it would cost to rent in my area. I'm getting my 401(k) match at work (4%), making car payments and everything else. (The car payments are maybe more than I'd like, but I drive a lot for work and live in a rural area...
by deltaneutral83
Wed Jul 18, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15693

Re: New book based on Millionaire Next Door

deltaneutral83, https://www.aol.com/2012/03/26/surprising-job-that-gets-many-americans-into-the-millionaire-clu/ http://www.futurescopes.com/dating/wealthy-dating/3407/10-professions-most-millionaires You are wrong. There are 6 times more teachers that are millionaires than either the lawyers or do...
by deltaneutral83
Wed Jul 18, 2018 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 5967

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

If someone is willing to sublease without telling you, there's a lot more they are willing to do to your property in my opinion. That is ridiculous. Most adults consider this a good way to get the place they want, then take time to get a good roommate, rather than trying to make magic happen to get...
by deltaneutral83
Tue Jul 17, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2721
Views: 540363

Re: What's Your Credit Card Rewards Strategy?

Just applied for World of Hyatt credit card. Benefits pasted below for sign up bonus : Earn 60,000 Hyatt points: earn 40,000 points after you spend $3,000 on purchases within the first 3 months plus an additional 20,000 points after you spend $6,000 total in the first 6 months Always look for refer...
by deltaneutral83
Tue Jul 17, 2018 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?
Replies: 33
Views: 5967

Re: Anyone experienced landlords here? Caught some of my tenants renting out rooms. Anything I should do?

Seems it's either let it go or evict them immediately. You can always just not renew their lease next time it's up, assuming you give them 60 days notice or whatever your state laws dictate. Gives you time to find new renters. If someone is willing to sublease without telling you, there's a lot more...
by deltaneutral83
Tue Jul 17, 2018 10:25 am
Forum: Personal Finance (Not Investing)
Topic: New book based on Millionaire Next Door
Replies: 120
Views: 15693

Re: New book based on Millionaire Next Door

The assumption that doctors, lawyers et cetera are wealthy because of their professions and often aren't because of student debt, the delay into the workforce and the image they often feel they need to project was excellent. I knew this to be true at about age 19. I was putting myself through colle...
by deltaneutral83
Tue Jul 17, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: HSA (or PPO) and a baby
Replies: 18
Views: 1368

Re: HSA (or PPO) and a baby

Sometimes, though, people come along with a minimal difference in premiums, or where the PPO has no deductible and only copays to start, or where the HDHP is in network only but the PPO has out of network benefits. In those cases, there are different calculations to do, and potentially different re...
by deltaneutral83
Tue Jul 17, 2018 9:15 am
Forum: Personal Consumer Issues
Topic: Would you pay $120 for a 5 year dishwasher warranty?
Replies: 61
Views: 2900

Re: Would you pay $120 for a 5 year dishwasher warranty?

Only thing I'd buy an extended warranty for is a foreign car. Paid $2600 with $100 deducs and had 4 repairs worth $7k over three years, so $3k spent for $7k in repairs (Audi A4 that was 4 years old when I bought it, never again). Other appliances I wouldn't get into as over the course of a lifetime ...
by deltaneutral83
Tue Jul 17, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: HSA (or PPO) and a baby
Replies: 18
Views: 1368

Re: HSA (or PPO) and a baby

If what the OP has posted is correct, then this is a basic math problem. $1,500 Deduc on PPO, $4,000 on HSA, OOP max $10k on HSA, $12k on PPO. The increased monthly premium for the PPO over the HSA $470. Multiplied by 12 months is $5,640. The difference in HSA Deduc and PPO Deduc is $2,500 more on t...
by deltaneutral83
Sat Jul 14, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey made me laugh today
Replies: 63
Views: 6788

Re: Dave Ramsey made me laugh today

Considering 95% of his callers have some sort of debt at 5% or greater and having no idea what a mutual fund is they have a long way to go before they think about investing in general and even longer before investing in bonds. I never really understand mathematically how some BH hold BND and a mortg...
by deltaneutral83
Fri Jul 13, 2018 3:17 pm
Forum: Investing - Theory, News & General
Topic: Morgan Stanley Wealth Management
Replies: 8
Views: 1104

Re: Morgan Stanley Wealth Management

So at approx 250 trading days a year and $32 grand a day(?) that might be a little higher AUM % fee for most.
by deltaneutral83
Fri Jul 13, 2018 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for Advice on portfolio and PAS
Replies: 7
Views: 704

Re: Looking for Advice on portfolio and PAS

Simplicity and low fees(?), consider the three fund portfolio all over this site which is a US Total Stock Market index, Intl index, and bonds. Without knowing more info, your portfolio is extremely complex (You have 5 funds that constitute less than 1% each of your portfolio, what could an adviser ...
by deltaneutral83
Fri Jul 13, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: New to HSA with Fidelity
Replies: 14
Views: 988

Re: New to HSA with Fidelity

You shouldn't lump sum your HSA unless you know for certain you will have an HSA all year. So if you leave your company voluntarily or not, and no longer have an HDHP plan for any length of time, you will not be eligible to contribute the full yearly allowance, and if you do, it's a process to recti...
by deltaneutral83
Fri Jul 13, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Know Your Investor Personality
Replies: 26
Views: 2741

Re: Larry Swedroe: Know Your Investor Personality

I imagine most BH would skew more toward conservative. Well the 100/0 to 70/30 crowd is very vocal then. Or maybe I am just over sensitive to their posts. Yes and No. Swedroe also points out once you know which of the 4 categories you belong in, you can identify your weaknesses and have the opportu...
by deltaneutral83
Fri Jul 13, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Know Your Investor Personality
Replies: 26
Views: 2741

Re: Larry Swedroe: Know Your Investor Personality

While it may seem counter intuitive, the more I have, the more conservative have been investing because I have more to lose. I have been very aware of this change occurring over the past 5 years. Same here. I was surprised. Of the 4 categories mentioned, I seemed to fall most in conservative. Dave ...
by deltaneutral83
Thu Jul 12, 2018 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: Selecting HSA custodian
Replies: 9
Views: 625

Re: Selecting HSA custodian

This is very simple. Lively. $2.50 a month all in, and you have access to TDA which has state street's ETFs commission free (SPTM is the the U.S. TSM index). You can keep $0 in the checking account at Lively.
by deltaneutral83
Thu Jul 12, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 359
Views: 14949

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads Podcast - Nobody Knows Nothin'
by deltaneutral83
Thu Jul 12, 2018 11:11 am
Forum: Investing - Theory, News & General
Topic: Asset Allocation for High Net Worth (>$3M) Individuals
Replies: 26
Views: 4734

Re: Asset Allocation for High Net Worth (>$3M) Individuals

If you've stayed the course I don't see why you would need to go lower than 60/40 in retirement. Most of these types of people at $3MM or more at 65+ years of age are in estate mode rather than worrying that they will spend down their assets. Yes, we could have another depression but your asset allo...
by deltaneutral83
Thu Jul 12, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: What recent (last ~8 months) events have changed the total US stock market?
Replies: 14
Views: 1368

Re: What recent (last ~8 months) events have changed the total US stock market?

Just for my knowledge and for fun, can some of you here explain some world/US events that have really impacted the total US stock market over the last 8 months? Relatively vague is fine. There have been some drastic swings, while I know a lot of them can't be explained, I know some can (after the f...
by deltaneutral83
Thu Jul 12, 2018 9:47 am
Forum: Investing - Help with Personal Investments
Topic: Personal Capital accounts problems...just me? good alternatives?
Replies: 9
Views: 1208

Re: Personal Capital accounts problems...just me? good alternatives?

Your credit union may not grant access for personal capital to sync, mine doesn't, and there's nothing I can do about it. I add a manual account at the bottom and update it once a quarter with the money I keep at my credit union.
by deltaneutral83
Wed Jul 11, 2018 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: 33 year old, New to investing, advice for portfolio diversification!
Replies: 5
Views: 519

Re: 33 year old, New to investing, advice for portfolio diversification!

At 33, you should find space for ~20% bonds. FWIW, I don't share this opinion. Unless you have an unusually low tolerance for volatility, bonds are completely unnecessary in a retirement portfolio if you are under the age of 45. This is especially true you have have credit card, student loan, or au...
by deltaneutral83
Wed Jul 11, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: $860 Million ETF Trade
Replies: 16
Views: 2125

Re: $860 Million ETF Trade

Jack FFR1846 wrote:
Wed Jul 11, 2018 8:37 am
deltaneutral83 wrote:
Wed Jul 11, 2018 8:23 am
foo.c wrote:
Wed Jul 11, 2018 2:01 am
With that much, why not just redeem for shares of the companies and save all the basis points?
That's an awful lot of work to save 3/4 bps
$500k.....
I wouldn't be in SPY anyway, but yes, for 9 bps, it starts to be a question. 3/4 not as much, in my opinion anyway.
by deltaneutral83
Wed Jul 11, 2018 8:23 am
Forum: Investing - Theory, News & General
Topic: $860 Million ETF Trade
Replies: 16
Views: 2125

Re: $860 Million ETF Trade

foo.c wrote:
Wed Jul 11, 2018 2:01 am
With that much, why not just redeem for shares of the companies and save all the basis points?
That's an awful lot of work to save 3/4 bps
by deltaneutral83
Tue Jul 10, 2018 4:29 pm
Forum: Investing - Theory, News & General
Topic: Six stocks make up 98% of S&P 500 gains in 2018
Replies: 76
Views: 10588

Re: Six stocks make up 98% of S&P 500 gains in 2018

I think it might be important to see what % of market cap these FAANGM companies represent. I think they probably account for about 10-15% of the market cap of the S&P. I think it's true that the top 10-15% of anything do the lions share of the lifting
by deltaneutral83
Tue Jul 10, 2018 4:22 pm
Forum: Investing - Theory, News & General
Topic: $860 Million ETF Trade
Replies: 16
Views: 2125

Re: $860 Million ETF Trade

Why is SPY ER 9 bps? Aren't most others in this category 3/4??
by deltaneutral83
Tue Jul 10, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Dow 40000 prediction for 2025
Replies: 44
Views: 4035

Re: Dow 40000 prediction for 2025

KyleAAA wrote:
Tue Jul 10, 2018 11:33 am
That's only a 7% CAGR. Seems reasonable but, of course, you shouldn't count on it.
7% CAGR before dividends is probably just above average since 1926 on the S&P.
by deltaneutral83
Tue Jul 10, 2018 10:12 am
Forum: Investing - Help with Personal Investments
Topic: Target date funds....unsophisticated?
Replies: 64
Views: 4764

Re: Target date funds....unsophisticated?

Target funds are great starters when one is learning the ropes, and they are even better for those who would "learn" but subsequently tinker AA and tilt(s) every 6 months. It doesn't take much more time and effort to develop the three fund strategy and a few more key concepts like taxes, Intl alloca...