Search found 153 matches

by car733
Wed Nov 14, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 7223

Re: Are you all staying the course?

Staying the course but tax loss harvesting.
Tempted to increase my international %.
by car733
Thu Nov 08, 2018 11:28 am
Forum: Investing - Theory, News & General
Topic: November "Bogleheads On Investing" podcast with guest Jonathan Clements
Replies: 18
Views: 2655

Re: November "Bogleheads On Investing" podcast with guest Jonathan Clements

Did J. Clements recommended 50% of international allocation? Did I get that right?
by car733
Thu Nov 08, 2018 11:13 am
Forum: Personal Consumer Issues
Topic: Argentina Trip Over Winter Break
Replies: 20
Views: 1676

Re: Argentina Trip Over Winter Break

TigerNest wrote:
Mon Nov 05, 2018 8:33 am
Iguazu Falls is one of the most beautiful places I have ever been. Truly a memorable trip.
And it's a fast weekend getaway from Buenos Aires.

- Friday evening: Fly to Iguazu
- Saturday: All day on the Argentinean side
- Sunday: Morning on the Brazilian side and fly back in the afternoon
by car733
Sat Nov 03, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: Would you allow your car stereo to run USB debug mode on your android phone?
Replies: 9
Views: 1333

Re: Would you allow your car stereo to run USB debug mode on your android phone?

USB debug mode gives shell access.
I wonder why the car stereo wants that? Copying files to play music?
by car733
Thu Nov 01, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]
Replies: 53
Views: 4021

Re: When do YOU pull the trigger for TLH?

eye.surgeon wrote:
Wed Oct 31, 2018 10:05 pm
How much is 10 minutes of your time worth? I've TLH'ed $300. Why not. I've worked a lot harder for 10 minutes for a lot less.
+1.
by car733
Thu Nov 01, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Argentina Trip Over Winter Break
Replies: 20
Views: 1676

Re: Argentina Trip Over Winter Break

Things I would recommend you do in Buenos Aires: - Visit the "Teatro Colón" - Eat Pizza in the different pizza places close to the Obelisco. Last time I was there, my friends and I walked around eating a single slice in each one of them. - Ice-cream. I would recommend you try Rapanui. PS: I am an po...
by car733
Sun Oct 28, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio help
Replies: 8
Views: 515

Re: Portfolio help

Wyodoc wrote:
Sat Oct 27, 2018 12:54 pm
100% Money market VMFXX (just moved from betterment not invested yet)
This called my attention. Did you do an in-kind transfer or you sold your position and betterment and move the cash?
by car733
Wed Oct 24, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: 1st Post: $70,000 in Vanguard Account to Invest. Help Please :)
Replies: 2
Views: 766

Re: 1st Post: $70,000 in Vanguard Account to Invest. Help Please :)

To better answer your question, more questions :) 1) You mentioned 60k saved for a down payment. When are you planning to buy? Would you stay in CA? 2) Are you saving some money out of your paycheck or you are tight? 3) Why are you looking to invest 70k when you are also looking for a house? I am tr...
by car733
Wed Oct 24, 2018 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH in 12% bracket less worthwhile?
Replies: 22
Views: 1842

Re: Is TLH in 12% bracket less worthwhile?

OP, what's your reasoning to avoid doing it? The time spent doing it?
by car733
Wed Oct 24, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: 32M burned out from active investing
Replies: 28
Views: 3777

Re: 32M burned out from active investing

haha, I also came to this post to read how OP spent 32M dollars.
by car733
Wed Oct 24, 2018 9:03 am
Forum: Local Chapters and Bogleheads Community
Topic: 2019 BOGLEHEADS CONFERENCE DATES
Replies: 13
Views: 2972

Re: 2019 BOGLEHEADS CONFERENCE DATES

Any chance we get a lottery ticket system instead of first come first served?
by car733
Wed Oct 24, 2018 8:41 am
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 20
Views: 948

Re: HSA question

After talking with my wife, we decided she will stay in her HMO and I will move to HSA.
We will revisit next year.

Thanks for all the answers!
by car733
Tue Oct 23, 2018 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 20
Views: 948

Re: HSA question

aristotelian wrote:
Tue Oct 23, 2018 3:30 pm
OK, I see the dilemma. Can she add you to her plan?
Not sure, but even if she can get me in at 0 cost. I can pay 15usd per paycheck to get the HSA benefit. I think me getting HSA is the no brainer.
by car733
Tue Oct 23, 2018 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 20
Views: 948

Re: HSA question

inbox788 wrote:
Tue Oct 23, 2018 3:00 pm
Can you max out HSA?
Yes
inbox788 wrote:
Tue Oct 23, 2018 3:00 pm
What would be the alternate investment?
Taxable account.
by car733
Tue Oct 23, 2018 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 20
Views: 948

Re: HSA question

aristotelian wrote:
Tue Oct 23, 2018 3:07 pm
What is her current premium?
0. It's free for her.
by car733
Tue Oct 23, 2018 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 20
Views: 948

Re: HSA question

aristotelian wrote:
Tue Oct 23, 2018 2:59 pm
That is a pretty fantastic plan. Since adding her doesn't raise your deductible or OOP Max, it seems like a no brainer to add her to yours.
No brainer even when we would pay more to have her in the HSA plan?
by car733
Tue Oct 23, 2018 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 20
Views: 948

Re: HSA question

My wife's HMO plan details are:
deductible 250
max out of pocket 1.5k

It's pretty good and she is happy with it.
by car733
Tue Oct 23, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 20
Views: 948

Re: HSA question

aristotelian wrote:
Tue Oct 23, 2018 2:46 pm
Depends on how good her HMO is versus your options. Premium is only part of the picture. You need to consider deductibles and Out of Pocket Max.
HSA deductible is 3k for individuals and 3k for the family. Out of pocket max is 3k as well.
I need to ask my wife for the HMO details :oops:
by car733
Tue Oct 23, 2018 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: HSA question
Replies: 20
Views: 948

HSA question

Hello! I am planning to switch from Premera Blue Cross PPO to Aetna Health Savings Plan. This year pricing for reference: For PPO Employee Only $29.00 Employee + Spouse/Partner* $105.00 For HSA Employee Only $15.00 Employee + Spouse/Partner* $82.00 Right now I am using the employee only benefit sinc...
by car733
Mon Oct 22, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Chase Sapphire Reserve -points for family ?
Replies: 13
Views: 1662

Re: Chase Sapphire Reserve -points for family ?

Biggest catch for insurance is that you need to purchase the ticket with that card.

Another issue I had in the past is the cost of an extension. I ended up getting a separate CSR for my wife. You can share the points if you live in the same house which is a big win.
by car733
Sat Oct 20, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: 33 Years Old - Check up and Competing Priorities
Replies: 7
Views: 1225

Re: 33 Years Old - Check up and Competing Priorities

You didn't mention how big your house is atm but you might want to move sooner or later.
I would start saving for a down payment and go with option one.
by car733
Thu Oct 18, 2018 1:39 pm
Forum: Personal Finance (Not Investing)
Topic: Bitcoin after death...some thoughts to consider
Replies: 10
Views: 2419

Re: Bitcoin after death...some thoughts to consider

randomguy wrote:
Wed Oct 17, 2018 3:06 pm
What if they wait 20 years until computer power increases enough to break the encryption?:)
20 years? that's very optimistic.
by car733
Wed Oct 17, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tax simulator for 2019
Replies: 5
Views: 1045

Re: Tax simulator for 2019

guliver wrote:
Wed Oct 17, 2018 11:56 am
car733 wrote:
Wed Oct 17, 2018 11:04 am
I usually do the simulation with turbo tax by entering the data. Not sure if there is a better way.
Or do you mean actually going through with creating a return, not with their refund simulator?
Yep, I basically create the return.
by car733
Wed Oct 17, 2018 11:38 am
Forum: Personal Finance (Not Investing)
Topic: 5% ESPP
Replies: 16
Views: 1239

Re: 5% ESPP

Do you get RSUs or stock options?
I like having some stocks in the place I work at. If you don't have RSU/stock options, I would buy at least once.
by car733
Wed Oct 17, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Just exchanged $10k of VTSAX for VGSLX in Roth
Replies: 3
Views: 354

Re: Just exchanged $10k of VTSAX for VGSLX in Roth

if you were not convinced, you could have tell your wife that VTSAX contains reits :)
by car733
Wed Oct 17, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Tax simulator for 2019
Replies: 5
Views: 1045

Re: Tax simulator for 2019

I usually do the simulation with turbo tax by entering the data. Not sure if there is a better way.
by car733
Wed Oct 17, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3707

Re: Not convinced with insurance

As I discussed an another thread the interesting thing is how folks think about risk. Who cares if the risk shows up 1 out of 1000 if the risk leads to a few thousand dollars. If the risk is 1 in 10,000 and the risk could be in your entire net worth that is a big deal. It is not FREQUENCY that sole...
by car733
Tue Oct 16, 2018 8:22 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3707

Re: Not convinced with insurance

At least part of the 300usd for non-owner would be offset by not having to buy rental car liability from the rental car company (probably ~$10/day). That's a good point. I usually don't get the full coverage from the car company since I have the coverage provided by the chase sapphire reserve credi...
by car733
Mon Oct 15, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3707

Re: Not convinced with insurance

OK. AD&D (Accidental Death and Dismemberment) Insurance only pays anything (for death) if you die from an accident. Only a small percentage of folks die that way. Therefore, while of some value, if you die of a heart attack, cancer, stroke, etc. - there is no benefit. if a person is un-insurable fo...
by car733
Mon Oct 15, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: When to TLH?
Replies: 11
Views: 1244

Re: When to TLH?

It's kind of hard to run out of funds to TLH. For US, I have been using: VTI => SCHB => ITOT.
by car733
Mon Oct 15, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3707

Re: Not convinced with insurance

Pregnancy and childbirth is not without risk. Consider purchasing life and disability insurance before conception. Physiological changes during pregnancy can complicate purchasing insurance. There may be a complication and the mother may be put on bed rest and ST disability can cover this. Many peo...
by car733
Sun Oct 14, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3707

Re: Not convinced with insurance

Thanks for the answers! Let me reply. Swimming pool on your property might also make me rethink but 500 annually is way too much. I don't have a swimming pool. One other thing to consider about life insurance is "insurability". That's a good point. Does having a kid increase the price? Up to what ag...
by car733
Sat Oct 13, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 45
Views: 3707

Not convinced with insurance

I have been reading about insurance this week, but I am not convinced. Here's my situation: I am 32 years old, married, no kids, no car. I have a stable job with generous pay, and my wife is a Ph.D. student. We are paying for our mortgage without issues. Insurance I already have: - Short and long-te...
by car733
Sat Oct 13, 2018 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Just TLHed for the first time. Should I be happy or sad?
Replies: 6
Views: 897

Re: Just TLHed for the first time. Should I be happy or sad?

Happy!
You had a loss you couldn't avoid and now you have some money up front from uncle sam.
by car733
Thu Oct 11, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: Transition to Vanguard's new investment platform???
Replies: 17
Views: 2836

Re: Transition to Vanguard's new investment platform???

is there a way to know if you are in the old or the new platform? I am pretty new to Vanguard so I don't know what the old looks like :(
by car733
Tue Oct 09, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Kirkland (Costco) Razor
Replies: 31
Views: 3227

Re: Kirkland (Costco) Razor

Have you tried using a double edge safety razor? Razors are cheap :)
by car733
Sun Oct 07, 2018 12:26 am
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio rebalancing update
Replies: 1
Views: 331

Re: Help with portfolio rebalancing update

1. Should I sell positions in American Funds, at least in my IRA, and if in taxable, how do I minimize capital gains? Can you provide references to do these calculations? I am thinking, due to taxes, I might need to do this over a period of years. Both of these funds have been held over 20 years so...
by car733
Sun Oct 07, 2018 12:10 am
Forum: Investing - Theory, News & General
Topic: October "Bogleheads On Investing" podcast with Dr. David Blitzer
Replies: 26
Views: 3372

Re: October Bogleheads On Investing Podcast with Dr. David Blitzer

Rick Ferri wrote:
Sat Oct 06, 2018 4:52 pm
I will do that and did it with Jack Bogle. David Blitzer is under tight compliance control due to the sensitive nature of his job, so I didn't ask for questions.
Thanks!
by car733
Sat Oct 06, 2018 8:56 am
Forum: Investing - Theory, News & General
Topic: October "Bogleheads On Investing" podcast with Dr. David Blitzer
Replies: 26
Views: 3372

Re: October Bogleheads On Investing Podcast with Dr. David Blitzer

What do you think about posting a thread with the upcoming guest so users can submit questions?
by car733
Sat Oct 06, 2018 8:49 am
Forum: Investing - Help with Personal Investments
Topic: Need help starting out
Replies: 6
Views: 648

Re: Need help starting out

Welcome to the forum! I would recommend you: 1) Post what securities you have in your 401k. There are a lot of high expense ratio funds and you might have better options. 2) Read about traditional IRA/Roth. It sounds like you are investing in a taxable account and you are not taking advantage of the...
by car733
Sat Oct 06, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 5408

Re: 2018 Bogleheads Conference Notes

I am not mentioning the nature of this demonstration because it was only intended to be shown to the people at Vanguard and it was in the very early concept stage. As a software person, I recognize the nature of what they are showing and am giving them professional courtesy to keep the details to m...
by car733
Sat Oct 06, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Have You Successfully Moved Global Stock to Schwab? UPDATE
Replies: 12
Views: 1037

Re: Have You Successfully Moved Global Stock to Schwab?

typical.investor wrote:
Fri Oct 05, 2018 10:05 pm
They weren't transferring from Computershare (Europe) were they? Schwab will handle Wealthfront and Betterment easily too.
I didn't know Computershare was EU. Perhaps the issue is with out of the us brokers?
by car733
Fri Oct 05, 2018 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Have You Successfully Moved Global Stock to Schwab? UPDATE
Replies: 12
Views: 1037

Re: Have You Successfully Moved Global Stock to Schwab?

I have no idea, but I know that overall Bogleheads are far too optimistic about the ability of one company to pull funds from another. My discussions with both Fidelity and Vanguard concluded with neither being able to pull funds for me. Basically as they explained to me, there has to be essentiall...
by car733
Fri Oct 05, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 69
Views: 13989

Re: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018

TravelGeek wrote:
Sun Sep 30, 2018 10:42 pm
car733 wrote:
Sun Sep 30, 2018 6:45 pm
Kindle pre-order: $23.50
Hardcover pre-order: $16.48
2018 and some books kindle version are more expensive than the hardcover :annoyed
I guess an example of product price not being determined by the cost of producing it.
Now the kindle price is $13.49 and the hardcover is $16.48 :wink:
by car733
Fri Oct 05, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 5408

Re: 2018 Bogleheads Conference Notes

LadyGeek wrote:
Thu Oct 04, 2018 10:09 pm
Additionally, I requested that the Customer Experience team incorporate the ability to rebalance your portfolio.
Thanks for the info!
What about asking vanguard to offer an API for 3rd parties to improve things like this?
by car733
Wed Oct 03, 2018 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Exiting WealthFront for house downpayment
Replies: 2
Views: 319

Re: Exiting WealthFront for house downpayment

Remember that reducing the risk in WF will also have tax consequences.

If I were you, I would:

- Do an in-kind transfer to another broker
- Use TLH to rebalance your position
- Investigate how loans work in Europe. Is it recommended to have 20% down payment like the US?
by car733
Wed Oct 03, 2018 11:06 am
Forum: Investing - Help with Personal Investments
Topic: After 6 months on BH, this is where I'm at...
Replies: 28
Views: 3331

Re: After 6 months on BH, this is where I'm at...

David Jay wrote:
Tue Oct 02, 2018 3:34 pm
1. I assume all your Muni funds are in taxable? I also presume your marginal tax rate is at least 32%? Because Muni funds really don't make sense in the 24% tax bracket.
Why? Where I can read more?