Search found 89 matches

by frugaltigris
Fri Oct 23, 2020 4:25 am
Forum: Investing - Theory, News & General
Topic: Anyone Regret Converting Mutual Fund to ETF?
Replies: 26
Views: 3117

Re: Anyone Regret Converting Mutual Fund to ETF?

No. No regrets at all. Never going back that trajectory till ETFs trade free.
by frugaltigris
Fri Jul 17, 2020 6:51 am
Forum: Personal Consumer Issues
Topic: How to make a little yeast go a long way in baking
Replies: 6
Views: 420

Re: How to make a little yeast go a long way in baking

Thanks for these tips. The first thing I grabbed from Sams when Covid19 started was yeast. I am glad I got enough supplies to last a year of baking bread.
by frugaltigris
Wed Jul 15, 2020 9:34 am
Forum: Personal Consumer Issues
Topic: 4-year-old Corolla on long trip
Replies: 51
Views: 3647

Re: 4-year-old Corolla on long trip

I drove one of my Corolla's which is 15 year old with 150K+ miles on a 5500 mile trip. Did great. By the way it is not even so well maintained but it is Corolla :-)
by frugaltigris
Wed Jul 15, 2020 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Should I fire my tax preparer?
Replies: 57
Views: 4686

Re: Should I fire my tax preparer?

Fire her.

My returns are almost as complicated but I do them on my own without even using Turbotax etc. IRS instructions are rigorous and if anything is missing then this forum helps. Gives great satisfaction.
by frugaltigris
Wed May 13, 2020 11:56 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12393

Re: Dentist charges $10 for PPE

It would make more sense to raise the cost of the cleaning. Clients don’t like to feel nickel and dimed. I would have said something there. If enough people do they will stop charging it. If my dentist requests a reasonable PPE fee on my next visit, I'll pay it. Once treatments, vaccines, herd immu...
by frugaltigris
Wed May 13, 2020 11:54 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12393

Re: Dentist charges $10 for PPE

Lots of variables here but many good points have been made. We call our patients to confirm appointments and let them know our new process and that there will be a $10 PPE fee. Our patients have been happy to pay it. I believe our staff does a great job of informing everyone what the cost is for an...
by frugaltigris
Wed May 13, 2020 11:52 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12393

Re: Dentist charges $10 for PPE

Cubicle wrote: Wed May 13, 2020 10:56 pm I'd pay the fee. I'd prefer not to, but a good dentist + them not closing = I'd rather not lose them.
I wonder if my restricted FSA would cover that.
by frugaltigris
Wed May 13, 2020 11:51 pm
Forum: Personal Consumer Issues
Topic: Dentist charges $10 for PPE
Replies: 240
Views: 12393

Re: Dentist charges $10 for PPE

That's interesting, and there's been lots of discussion among the dental community. Some have talked about adding a surcharge, but this is the first time I've actually heard of it being done. I don't know if it's actually OK to do, but there's lots of unknowns right now. My wife is the dental direc...
by frugaltigris
Sun Mar 29, 2020 6:08 am
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 206
Views: 21919

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

If you believe this is going to be the scenario then you have to work on minimization of loss. Go for the option which gives you least regret. It is difficult to see an option which increases your wealth in this period. There will be some loss also in holding just cash because of potential inflation...
by frugaltigris
Thu Mar 26, 2020 3:59 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834453

Re: U.S. stocks in free fall

Buy and hold is the main mantra for success. But is disheartening to have potentially hundreds of thousands dying, families and businesses in ruins and market and Fed just caring about $$$. Market may be "efficient" (I believe not) but certainly seems to have its moral compass broken. I s...
by frugaltigris
Thu Mar 26, 2020 3:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834453

Re: U.S. stocks in free fall

Buy and hold is the main mantra for success. But is disheartening to have potentially hundreds of thousands dying, families and businesses in ruins and market and Fed just caring about $$$. Market may be "efficient" (I believe not) but certainly seems to have its moral compass broken. I s...
by frugaltigris
Thu Mar 26, 2020 3:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 10508
Views: 831178

Re: New Bull Market!

It is an ostrich market with heads (if any) well inside the sand.
by frugaltigris
Thu Mar 26, 2020 3:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834453

Re: U.S. stocks in free fall

https://www.politico.com/news/2020/03/26/record-breaking-unemployment-claims-may-be-vast-undercount-150417 Click bate. :x This market seems "efficient" but dishonest. The market is full of manipulators playing the herd for suckers'. Buy and hold no matter what; if one can't do that only h...
by frugaltigris
Thu Mar 26, 2020 3:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20755
Views: 2834453

Re: U.S. stocks in free fall

This market seems "efficient" but dishonest.
by frugaltigris
Tue Mar 24, 2020 11:56 am
Forum: Personal Investments
Topic: dead cat mouse
Replies: 56
Views: 5944

Re: dead cat mouse

This title inspires to understand a generalization of Schrodinger's cat paradox by including a mouse. Options would be: 1. is cat alive along with the mouse? 2. is cat alive but mouse is dead (more likely) 3. is mouse alive with a dead cat (quantum mechanics will say not impossible) 4. mouse and cat...
by frugaltigris
Tue Mar 24, 2020 11:03 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4077
Views: 321170

Re: Coronavirus and the market

I am in medicine on the front lines in a hard hit state. How do you all feel the market will react when care starts to be rationed? without debating if this will happen, assume that it does. Would this clearly and definitevely move the market significantly further down? I am grateful for your servi...
by frugaltigris
Tue Mar 24, 2020 10:17 am
Forum: Personal Investments
Topic: dead cat mouse
Replies: 56
Views: 5944

Re: dead cat mouse

This bounce seems to indicate that the market has not really priced this catastrophic event wisely. By end of this week when we have more cases than China, the bear will be back to devour. Never play with an angry bear.
by frugaltigris
Sun Mar 22, 2020 9:45 pm
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 256
Views: 22593

Re: Selling 100% stocks on a bounce

if you are selling in taxable for TLH why sell at the bounce? you can sell any where in the falling market and TLH down the hill. Selling at a local maxima will reduce TLH benefit.
by frugaltigris
Sun Mar 22, 2020 9:37 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 57857

Re: How to get Toilet Paper ? seriously.

Check sam's club.
by frugaltigris
Sun Mar 22, 2020 9:35 pm
Forum: Personal Investments
Topic: Selling 100% stocks on a bounce
Replies: 256
Views: 22593

Re: Selling 100% stocks on a bounce

And after that bounce there will be recollapse and another bounce and a recollapse ... We do not understand "the laws of physics" of these cycles. When do you re-enter? You are probably gambling. You might be lucky or not.
by frugaltigris
Sun Mar 22, 2020 9:32 pm
Forum: Investing - Theory, News & General
Topic: Will the Dow ever see 29500 again?
Replies: 152
Views: 17833

Re: Will the Dow ever see 29500 again?

Yes it will in 3-5 years
by frugaltigris
Sun Mar 22, 2020 9:29 pm
Forum: Personal Investments
Topic: Lump sum with tax loss harvesting or dollar cost averaging in a falling market
Replies: 4
Views: 294

Re: Lump sum with tax loss harvesting or dollar cost averaging in a falling market

Even if the knife is falling isn't TLH beneficial? The "knife" will bounce back. Of course we are all sure of the turnaround of our great country and world economy. If not we are all screwed any way. Please Bogleheads help me understand this. If I have dry powder left should I just do lump...
by frugaltigris
Sat Mar 21, 2020 1:04 pm
Forum: Personal Investments
Topic: Guys I Rebalanced (Moved Monies Out Of S&P 500)
Replies: 301
Views: 18563

Re: Guys I Rebalanced (Moved Monies Out Of S&P 500)

This must have been a difficult decision. Remember that health is far more important than money. If this decision brings you peace good for you. Yes you will likely lose some gains. Are they more important than your present state of mind? No. In future it would be good to have a more conservative po...
by frugaltigris
Thu Mar 19, 2020 3:35 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4077
Views: 321170

Re: Coronavirus and the market

That study does not mention impact of tax loss harvesting. I have a confusion. If I have some money to invest for the time period of 20 years in a taxable account, is it more beneficial to DCA in this climate or shall I do lump sum and tax loss harvest. Thanks. If we can find a silver lining in all ...
by frugaltigris
Thu Mar 19, 2020 11:02 am
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 4077
Views: 321170

Re: Coronavirus and the market

I have a confusion. If I have some money to invest for the time period of 20 years in a taxable account, is it more beneficial to DCA in this climate or shall I do lump sum and tax loss harvest. Thanks. If we can find a silver lining in all this, it will be finally sufficient to refer to the first p...
by frugaltigris
Wed Mar 18, 2020 3:55 am
Forum: Personal Investments
Topic: Lump sum with tax loss harvesting or dollar cost averaging in a falling market
Replies: 4
Views: 294

Lump sum with tax loss harvesting or dollar cost averaging in a falling market

Hi All I have some dry powder which I would like to put in some ETFs in my taxable account. I am early 40's and I don't need this for next 20 years. I want it fully invested in equities and will not sell them even if market collapses completely. What would be the most beneficial approach in a fallin...
by frugaltigris
Mon Oct 28, 2019 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Who does your tax returns?
Replies: 103
Views: 6267

Re: Who does your tax returns?

Myself, by hand, since first file. Will continue to do so. Have learnt a lot in process about tax code.
by frugaltigris
Mon Oct 28, 2019 9:45 am
Forum: Personal Investments
Topic: Do You Pay For Financial Advice?
Replies: 76
Views: 5297

Re: Do You Pay For Financial Advice?

I buy good finance books. That's how I pay.
by frugaltigris
Mon Oct 28, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: How much do you plan to spend on your children's weddings?
Replies: 182
Views: 10681

Re: How much do you plan to spend on your children's weddings?

My child is more frugal than I am. He despises spending money on useless things. I think he'll have a really simple wedding and I'll contribute what I think is really necessary.
by frugaltigris
Tue Oct 22, 2019 12:29 pm
Forum: Investing - Theory, News & General
Topic: Schwab to allow fractional stock trading (WSJ)
Replies: 50
Views: 6994

Re: Schwab to allow fractional stock trading (WSJ)

Are we now close to auto investing for ETFs? Is this beginning of the end of index fund era?

This can potentially bring profound changes at various levels.

Well done Schwab. Fidelity must follow.
by frugaltigris
Sun Oct 20, 2019 12:12 pm
Forum: Investing - Theory, News & General
Topic: Capital gains vs Return after taxes and sale of fund shares
Replies: 3
Views: 1126

Re: Capital gains vs Return after taxes and sale of fund shares

Thanks for your reply. I agree and share your sentiment. That is why I posted above numbers which seem to show that tax-inefficiency of Fidelity index funds is not as bad as I often read here, especially if one is interested in cashing out these funds eventually. In some situations they seem to be b...
by frugaltigris
Sun Oct 20, 2019 11:53 am
Forum: Investing - Theory, News & General
Topic: Capital gains vs Return after taxes and sale of fund shares
Replies: 3
Views: 1126

Capital gains vs Return after taxes and sale of fund shares

Hi Folks, I am confused with tax efficiency of non-Vanguard index funds. I understand that due to patent, Vanguard index funds do not distribute capital gains and as a result they are more tax efficient. But what I am confused about is the Return after taxes and sales of all fund shares. If I look a...
by frugaltigris
Mon Oct 14, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 102
Views: 9944

Re: Vanguard keeps pushing their financial advisors...why?

In the last few months we are getting one email after another from Vanguard saying USE OUR Financial Advisors!!! They have begi=un a big push for this it seems. Does anyone know what they are thinking and what else might be changing at Vanguard? We were used to, in the past, being respected as want...
by frugaltigris
Mon Oct 14, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 102
Views: 9944

Re: Vanguard keeps pushing their financial advisors...why?

Fidelity runs national TV ad campaigns which conveniently fail to mention how their interest rates on cash stacks up against Vanguard. You can remove yourself from the Vanguard mailings. I do not and have never received them. Update your communication and marketing preferences. No where in my maili...
by frugaltigris
Sun Oct 13, 2019 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard keeps pushing their financial advisors...why?
Replies: 102
Views: 9944

Re: Vanguard keeps pushing their financial advisors...why?

I have accounts in Fidelity and vanguard. Vanguard keeps sending such emails. Fidelity does not.
by frugaltigris
Fri Oct 11, 2019 1:38 pm
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 87
Views: 11035

Re: Fidelity to $0 Commissions

Well, this will leave me with a money market fund at VG and nothing else. VG now only has three real advantages: 1. Principle. If you believe strongly enough in Vanguard being the proximate cause of the cost of investing dropping enough to give them your business as a result, rather than take advan...
by frugaltigris
Fri Oct 11, 2019 1:36 pm
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 87
Views: 11035

Re: Fidelity to $0 Commissions

Again: one can obtain a tax benefit holding a VG mutual fund that can’t be obtained anywhere else. Those suggesting anything else are the dictionary definition of uninformed. It can be obtained in many places by holding an ETF instead of a mutual fund... Furthermore, the patent expires in a few yea...
by frugaltigris
Fri Oct 11, 2019 1:34 pm
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 87
Views: 11035

Re: Fidelity to $0 Commissions

Even this benefit is grossly overstated by Vanguard supporters. E.g. Last time I checked, Fidelity Total Stock Market has averaged only 0.5% capital gains distributions/year over the last ten years. For most people that represents only a 0.5% * 15% = 0.0075% tax drag. Can you tell us which index mu...
by frugaltigris
Fri Oct 11, 2019 1:25 pm
Forum: Personal Consumer Issues
Topic: Best No Annual Fee Visa Credit Card with Cash Back
Replies: 56
Views: 5897

Re: Best No Annual Fee Visa Credit Card with Cash Back

Fidelity 2%. It is my only card.
by frugaltigris
Fri Oct 11, 2019 11:44 am
Forum: Personal Investments
Topic: Vanguard Transfer Mistake
Replies: 10
Views: 1339

Re: Vanguard Transfer Mistake

Vanguard made this mistake based on a mega back door that you correctly entered online? Good reason for keeping print screens of online transactions before and after hitting “Submit” if needed to prove to Vanguard there was an error. The print screens were useful in getting Vanguard to correct the ...
by frugaltigris
Fri Oct 11, 2019 7:55 am
Forum: Investing - Theory, News & General
Topic: Fidelity to $0 Commissions
Replies: 87
Views: 11035

Re: Fidelity to $0 Commissions

Even this benefit is grossly overstated by Vanguard supporters. E.g. Last time I checked, Fidelity Total Stock Market has averaged only 0.5% capital gains distributions/year over the last ten years. For most people that represents only a 0.5% * 15% = 0.0075% tax drag. Can you tell us which index mu...
by frugaltigris
Tue Oct 08, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 17834

Re: How many are switching from Fidelity?

Does Fidelity charge a commission fee for the sale of ETFs? I have Fidelity accounts and own some ETFs they charge me to buy but I haven't ever sold anything. They have 500+ etfs for free trade (mostly Ishares). They don't charge fee for Ishares. There are many ETFs where they charge fee of $4.95 b...
by frugaltigris
Wed Oct 02, 2019 7:38 pm
Forum: Investing - Theory, News & General
Topic: If you use Vanguard (Brokerage), why do you stay?
Replies: 58
Views: 7439

Re: If you use Vanguard (Brokerage), why do you stay?

Till Vanguard has tax efficient MFs it is difficult to argue why leave Vanguard. When Vanguard patent expires and if Fidelity offers tax efficient funds I would switch.

For MF investors in taxable accounts, Vanguard wins.
by frugaltigris
Tue Oct 01, 2019 12:09 pm
Forum: Investing - Theory, News & General
Topic: Is "after tax" info available other than from Fidelity
Replies: 12
Views: 1119

Re: Is "after tax" info available other than from Fidelity

It is meaningless because your tax costs are specific to your own income and situation. In fact mutual funds are not taxed as entities themselves, so it doesn't even make any sense to talk about after tax performance of a fund. I admit I don't understand why this do this. I do know that what they d...
by frugaltigris
Tue Oct 01, 2019 9:46 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 107
Views: 12303

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

Well Fidelity changed their Welcome page today. Pretty amusing. Seems they are panicking.
They state "Investing isn't just about money – it's about your future"

Come on Fidelity, do a comparison with Schwab! :D
by frugaltigris
Tue Oct 01, 2019 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity taxable: which is better - ETF or Mutual Fund?
Replies: 31
Views: 3855

Re: Fidelity taxable: which is better - ETF or Mutual Fund?

Data is from Fidelity website. For IVV: Go to https://screener.fidelity.com/ftgw/etf/goto/snapshot/keyStatistics.jhtml?symbols=IVV and then click on Performance and Risk on left and scroll down to Quarter-End Average Annual Total Returns Data for Fidelity index fund can be found easily on Fidelity w...