Search found 366 matches

by FlyingMoose
Sun Jul 01, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: How does this ebay scam work?
Replies: 13
Views: 2224

Re: How does this ebay scam work?

There was an invoice that showed the correct item.
by FlyingMoose
Sun Jul 01, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: How does this ebay scam work?
Replies: 13
Views: 2224

Re: How does this ebay scam work?

I think if it was a scam it might involve the seller's account being hacked. So not the same person as the seller who built up a reputation.
by FlyingMoose
Sun Jul 01, 2018 9:48 pm
Forum: Personal Consumer Issues
Topic: How does this ebay scam work?
Replies: 13
Views: 2224

How does this ebay scam work?

So I ordered a Macbook Pro on ebay. What I received was a bag of parts for a different computer. I'm protected by eBay's 30-day return policy, so I requested a return. Of course the seller says it's all a big mistake and I can return the bag of parts (which he wants a picture of) for a refund. Assum...
by FlyingMoose
Sun Jun 24, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: S&P P/E Ratio
Replies: 50
Views: 3239

Re: S&P P/E Ratio

What about international, that everyone keeps saying is so much cheaper?
by FlyingMoose
Wed Jun 20, 2018 3:43 am
Forum: Investing - Theory, News & General
Topic: Debt Song Not a Pretty Tune
Replies: 5
Views: 1599

Re: Debt Song Not a Pretty Tune

I wonder if this is a good justification for an international allocation...
by FlyingMoose
Tue Jun 19, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 270869

Re: Best watch for around $5,000?

A Honda Civic gets you from A to B just as well as a Ferrari. A Motel 6 room looks the same as a presidential suite when you are sleeping. A woman’s diamond ring provides no utility at all and just gets in the way and scratches things. I’d say that a $5000 watch provides more utility than a $5000 di...
by FlyingMoose
Mon Jun 18, 2018 4:05 pm
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1115
Views: 270869

Re: Best watch for around $5,000?

I have a Rolex submariner that I bought when they could be had for about $5000. I discovered 2 things about myself: I can’t stand not having the day of the week, and the thing I like most is that it’s mechanical. With these two things in mind, I bought several other watches; the ones I end up wearin...
by FlyingMoose
Mon Jun 18, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 4804

Re: "distilled" water for wife's CPAP machine

Mold, bacteria, and Legionnaire's disease grow in damp places--Legionnaire's specifically in water condensed in air-conditioning system. I would not think of taking the risk of putting water into a system I was going to be breathing out of if I thought there was any possibility of contamination. Mi...
by FlyingMoose
Mon Jun 18, 2018 3:40 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 4804

Re: "distilled" water for wife's CPAP machine

Oh I read it as condensed from a humidifier, oops. I wouldn’t use water from a dehumidifier, it’s nasty, all kinds of dirt and bacteria from the air.
by FlyingMoose
Mon Jun 18, 2018 3:38 pm
Forum: Personal Consumer Issues
Topic: "distilled" water for wife's CPAP machine
Replies: 68
Views: 4804

Re: "distilled" water for wife's CPAP machine

Only if it’s a steam dehumidifier, not ultrasonic. But it sounds like quite the contraption to save a buck a month or whatever a gallon of distilled water costs. They also make home distilling machines, but the payback for the machine would take 10+ years so I’d say it’s only a good idea if you can’...
by FlyingMoose
Fri Jun 15, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 49
Views: 8113

Re: Vaguard - You'll need to sign up for security codes soon

I use MagicJack. It receives messages fine from my friends, but the ones from Vanguard never arrive. I guess I’ll have to figure something else out... MagicJack recently instituted a robo call/spam filter. The phone rings and then the software asks the caller to push a specific random number. Non-h...
by FlyingMoose
Wed Jun 13, 2018 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: Is it even possible to contest a credit card charge nearly 6 months later
Replies: 15
Views: 1303

Re: Is it even possible to contest a credit card charge nearly 6 months later

The best place to ask this question is your credit card company; give them a call real quick and see what they say..
by FlyingMoose
Wed Jun 13, 2018 4:36 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 49
Views: 8113

Re: Vaguard - You'll need to sign up for security codes soon

I use MagicJack. It receives messages fine from my friends, but the ones from Vanguard never arrive. I guess I’ll have to figure something else out...
by FlyingMoose
Thu Jun 07, 2018 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Marketing [Transition to brokerage account]
Replies: 16
Views: 1216

Re: Vanguard Marketing [Transition to brokerage account]

The thing I hate is that they take an extra month to issue 1099’s.
by FlyingMoose
Tue Jun 05, 2018 12:59 am
Forum: Investing - Help with Personal Investments
Topic: Consider assets locked in foreign bank?
Replies: 1
Views: 313

Consider assets locked in foreign bank?

As part of getting a retirement visa in a foreign country, I am required to put some money into a bank in that country. The money will be locked in the account. If I wanted to access it, I would have to cancel my visa and wait about 3 months for processing. It’s not a significant amount compared to ...
by FlyingMoose
Mon Jun 04, 2018 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

Therefore, you will both have to deal with the consequences of holding a 100% stock portfolio. Note that I only have 80% stock, which I've stuck with for many years, including through the great recession. I'm going to be putting my new contributions into bonds to slowly start moving towards 70%, si...
by FlyingMoose
Mon Jun 04, 2018 1:41 am
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

If my dad’s portfolio did well and mine did really bad, he would help me out; it’s a two-way street and not adversarial like people here are making it sound. So that’s why I’d like a portfolio that’s unrelated to his, so that it would be less likely that both would be down at the same time (and that...
by FlyingMoose
Sun Jun 03, 2018 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

If my dad’s portfolio crashed but mine was doing well, I would certainly help him out financially. Since he’s stayed 100% S&P 500 despite my gentle urging that some bonds might be a good idea, I feel like I should compensate in my portfolio so that it’s less correlated with his. But I don’t want to...
by FlyingMoose
Sun Jun 03, 2018 6:54 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

Reading your post, I feel that you can not stomach risk. Risk comes in many shapes: - volatility (market goes up A LOT, market goes down A LOT), - underperformance: you have what appears to be a superior portfolio to a benchmark X, but for extended periods of time, your portfolio underperforms the ...
by FlyingMoose
Sun Jun 03, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

PFInterest wrote:
Sun Jun 03, 2018 11:12 am
i always perform at the market or better....how are you under performing so much?
REIT
by FlyingMoose
Sun Jun 03, 2018 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

What about my concern of have my portfolio overlapping with my employer’s and relative’s? you say "relative" but in your opening post you refer to your dads ("my dad has a 100% S&P 500 portfolio."). Is this the same "relative" you're referring to? If so, what does your dad's portfolio choices have ...
by FlyingMoose
Sun Jun 03, 2018 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

One thing I don’t like about total market is that currently a big chunk is in a few tech companies, and it feels a bit like a new tech bubble. Whenever I see someone talking about investing use the word "feel" I know that investor will be in trouble and will succumb to the behavior gap that livesof...
by FlyingMoose
Sun Jun 03, 2018 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

What about my concern of have my portfolio overlapping with my employer’s and relative’s?
by FlyingMoose
Sat Jun 02, 2018 2:52 am
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

If I use multi factor for my US allocation, what could I use for my international allocation?
by FlyingMoose
Sat Jun 02, 2018 2:48 am
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

Contrary to my expectations REIT index has done well since I dissed it in the past couple of months. I was certain REIT index was doomed because interest rates were going to skyrocket any minute. I thought that about 10 years ago. I don't think "REIT" is a factor. Why overweight REIT stocks? Becaus...
by FlyingMoose
Sat Jun 02, 2018 2:47 am
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

I like Paul Merriman's way of going halfsies. You lose some expected return, but then it's not depending on robot like conviction if this or that factor premium is negative. There have been long time periods where bonds beat equities, so even steadfast belief in float weighted equity indexing can m...
by FlyingMoose
Fri Jun 01, 2018 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

Anyway, I’m always kicking myself if I underperform the market indexes, check my portfolio and read bogleheads somewhat obsessively and literally have trouble sleeping because of it. I'm curious why you are underperforming because I don't think you should be. Maybe there are some behavioral traps y...
by FlyingMoose
Fri Jun 01, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

beardsworth wrote:
Fri Jun 01, 2018 6:08 pm
You may find some useful thoughts in this recent thread about simplicity.

viewtopic.php?t=250534
That thread is what’s got me thinking about it...
by FlyingMoose
Fri Jun 01, 2018 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Re: Talk me out of going crazy...

I think you are getting too meta. Opting for a subset of total market will not increase your diversification. Full stop. Whether it is your retirement account or your taxable account, as long as your assets are spread across entire markets you are well diversified. One thing I don’t like about tota...
by FlyingMoose
Fri Jun 01, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Talk me out of going crazy...
Replies: 48
Views: 6194

Talk me out of going crazy...

I really like the idea of a global total-world type portfolio. The problem I have with it is that my employer and thus my job prospects have such a portfolio (I know because I manage it) and my dad has a 100% S&P 500 portfolio. I feel like I need to do something different to diversify from these, so...
by FlyingMoose
Tue May 15, 2018 1:20 am
Forum: Investing - Theory, News & General
Topic: Two- Factor Authentication at Vanguard - Update
Replies: 41
Views: 9061

Re: Two- Factor Authentication at Vanguard - Update

I tried to set up 2FA but I never receive the SMS in my magicJack app.
by FlyingMoose
Wed Apr 04, 2018 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: [Wells Fargo Visa 3% Foreign Exchange fee]
Replies: 58
Views: 3048

Re: WF Visa 3% FX fee

The Amazon Visa card has no FX fee, gives you the exact exchange rate (same as what google gives when converting), plus 1% cash back.
by FlyingMoose
Sun Apr 01, 2018 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Transition to our new investment platform
Replies: 26
Views: 5731

Re: Vanguard: Transition to our new investment platform

My big complaint is that the brokerage 1099s aren’t available until mid-February so I can’t file my taxes early.
by FlyingMoose
Sat Mar 03, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: iPhone won't ring for incoming calls
Replies: 10
Views: 1343

Re: iPhone won't ring for incoming calls

This may be a stupid question, but have you checked the ring/silent switch on the top-left side? And does it still vibrate but just not ring?
by FlyingMoose
Fri Mar 02, 2018 6:02 am
Forum: Investing - Help with Personal Investments
Topic: I need to file a complaint [Newport taken over 403b at Vanguard]
Replies: 11
Views: 2431

Re: I need to file a complaint

How do you know the dividends were partial? I’m asking because I want to check on my own account...
by FlyingMoose
Tue Feb 20, 2018 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) RMDs while still working?
Replies: 16
Views: 1248

Re: 403(b) RMDs while still working?

I just spoke with Newport. According to the rep, there are no RMDs from a 403(b) if you're working for any employer, not just the employer whose 403(b) it is. I don't believe this is correct.
by FlyingMoose
Sun Feb 18, 2018 2:44 am
Forum: Investing - Theory, News & General
Topic: Better not taxed now or taxed later?
Replies: 23
Views: 1969

Re: Better not taxed now or taxed later?

To put this in perspective the difference in future tax liabilities is not that large in absolute dollar terms,especially given he must be in pretty good shape if RMDs will force him into 22% tax bracket in the future. The 22% I was referring to is if he (and I, this topic is about me also) move ba...
by FlyingMoose
Sat Feb 17, 2018 4:02 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) RMDs while still working?
Replies: 16
Views: 1248

Re: 403(b) RMDs while still working?

The plan in question is a non-ERISA 403(b).
by FlyingMoose
Sat Feb 17, 2018 2:41 am
Forum: Investing - Theory, News & General
Topic: Better not taxed now or taxed later?
Replies: 23
Views: 1969

Re: Better not taxed now or taxed later?

... the real choice is ... leaving money in traditional (option 1) vs leaving money in taxable (option 2) with the potentially better choice being option 2. Is this correct? Yes, that is correct. Then the hard part is knowing exactly how much to convert, so that you get as close as possible to $12,...
by FlyingMoose
Sat Feb 17, 2018 12:30 am
Forum: Investing - Help with Personal Investments
Topic: 403(b) RMDs while still working?
Replies: 16
Views: 1248

Re: 403(b) RMDs while still working?

Gronnie wrote:
Fri Feb 16, 2018 9:08 pm
Is he able to roll over the old one into the new one?
It’s too late to avoid the RMD for this year if it is, in fact, required. This is the plan for next year in either case.
by FlyingMoose
Sat Feb 17, 2018 12:19 am
Forum: Investing - Theory, News & General
Topic: Better not taxed now or taxed later?
Replies: 23
Views: 1969

Re: Better not taxed now or taxed later?

FlyingMoose, Roth IRA is not subjected to RMD while the owner is alive. https://www.rothira.com/roth-ira-required-minimum-distribution-rmd KlangFool The RMD would be on the account being converted to a Roth, not on the Roth. If Roth conversion is not a choice (which I don’t understand why it wouldn...
by FlyingMoose
Fri Feb 16, 2018 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) RMDs while still working?
Replies: 16
Views: 1248

Re: 403(b) RMDs while still working?

I think the old plan is considered “frozen”, I’ll have to call Newport and see if it’s considered “maintained”.
by FlyingMoose
Fri Feb 16, 2018 8:37 pm
Forum: Investing - Theory, News & General
Topic: Better not taxed now or taxed later?
Replies: 23
Views: 1969

Re: Better not taxed now or taxed later?

Sorry I don’t know where you are coming from. Seems to me either he has earned income or he doesn’t. What is happening in option 2 to make earned income go away? Liquidating a traditonal IRA, whether to convert to Roth or put into taxable account is not “earned” income. But both will generate taxab...
by FlyingMoose
Fri Feb 16, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) RMDs while still working?
Replies: 16
Views: 1248

Re: 403(b) RMDs while still working?

This page says "... as long as you are working and contributing to ...":

https://ttlc.intuit.com/questions/3186422
by FlyingMoose
Fri Feb 16, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) RMDs while still working?
Replies: 16
Views: 1248

Re: 403(b) RMDs while still working?

Alan,

Thanks for checking into it.

I'll probably call the IRS and also Newport.

--- John Meeks
by FlyingMoose
Fri Feb 16, 2018 7:55 pm
Forum: Investing - Theory, News & General
Topic: Better not taxed now or taxed later?
Replies: 23
Views: 1969

Re: Better not taxed now or taxed later?

I don’t get why Roth conversion isn’t a choice. Whether you convert to Roth or convert to taxable both will generate taxable income (which may or may not generate enough to have actual tax liability ). The impact on any earned income credit I would think would be the same. The options are: 1. Leave...
by FlyingMoose
Fri Feb 16, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: Better not taxed now or taxed later?
Replies: 23
Views: 1969

Re: Better not taxed now or taxed later?

Ok so I was thinking about this while on my walk. He could either contribute to his Roth IRA or do a conversion to the Roth IRA. I know that he could theoretically do both, but in this case he can't for complicated related to the Foreign Earned Income Exclusion. So the equivalent of my original ques...
by FlyingMoose
Fri Feb 16, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) RMDs while still working?
Replies: 16
Views: 1248

Re: 403(b) RMDs while still working?

ResearchMed wrote:
Fri Feb 16, 2018 6:13 pm
Does he have two IRA's in addition to the 403b's?

IRA's usually (always?) have different rules about what happens at age 70.5/if you are still working.

RM
No, only the two 403(b)'s.
by FlyingMoose
Fri Feb 16, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Better not taxed now or taxed later?
Replies: 23
Views: 1969

Re: Better not taxed now or taxed later?

If your dad is under 59.5, there will be an early withdrawal penalty if he withdraws now. I also assume, he is not talking about Required Minimum Distributions that start in the year he turns 70.5. He may need to take RMDs (have another topic on that) so I was just wondering if he should take more ...
by FlyingMoose
Fri Feb 16, 2018 5:11 pm
Forum: Investing - Theory, News & General
Topic: Better not taxed now or taxed later?
Replies: 23
Views: 1969

Re: Better not taxed now or taxed later?

Good point, but it doesn't look like that will satisfy his RMD.