Search found 123 matches

by car733
Mon Oct 15, 2018 7:11 pm
Forum: Personal Consumer Issues
Topic: Not convinced with insurance
Replies: 36
Views: 2348

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: 3
Views: 188

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: 36
Views: 2348

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: 36
Views: 2348

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: 36
Views: 2348

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: 846

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: 2022

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: 3050

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: 315

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: 22
Views: 2410

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: 22
Views: 2410

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: 615

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: 4997

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: 984

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: 984

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: 58
Views: 11092

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: 4997

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: 305

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: 3244

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?
by car733
Sun Sep 30, 2018 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: The Next Millionaire Next Door: Enduring Strategies for Building Wealth Hardcover will be released October 1, 2018
Replies: 58
Views: 11092

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

Kindle pre-order: $23.50
Hardcover pre-order: $16.48
2018 and some books kindle version are more expensive than the hardcover :annoyed
by car733
Sun Sep 30, 2018 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Newbie Portfolio Review & Suggestions
Replies: 7
Views: 393

Re: Newbie Portfolio Review & Suggestions

Welcome to the forum!
It would be helpful if you edit your post and add the expense ratios of each fund.
by car733
Sun Sep 30, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Got 20 new holdings from Betterment to VG - Need Help!
Replies: 10
Views: 1437

Re: Got 20 new holdings from Betterment to VG - Need Help!

I recently moved Wealthfront and Betterment to VG and I have around 20 ETFs and around 30 individual stocks. For now, I am only selling instruments which have losses. Basically, I am using TLH to rebalance. Take into account that betterment does fractional shares. It's very likely you will have some...
by car733
Wed Sep 19, 2018 2:29 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25114

Re: What is your single most expensive mistake?

Not knowing about 401k, backdoor roth ira, hsa, espp.
by car733
Mon Sep 17, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Age 31, $1.5 million net worth
Replies: 38
Views: 8292

Re: Portfolio Review, Age 31, $1.5 million net worth

There are no rules for TLH. The best answer I have read so far is: "do it when you feel it makes sense". That's too bad. I was planning to code up a system to automatically tell me when to do it. If I can't automate something, or at least automate sending me reminders it's very unlikely to get done...
by car733
Mon Sep 17, 2018 2:14 pm
Forum: Investing - Theory, News & General
Topic: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle
Replies: 63
Views: 6952

Re: Podcast Now Available - Bogleheads On Investing: Episode #1 with John C. Bogle

I can confirm it is now available in the Pocket Podcast app when searching "boglehead".
by car733
Fri Sep 14, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off 3.125% 152k mortgage early?
Replies: 37
Views: 3200

Re: Pay off 3.125% 152k mortgage early?

3.125% sounds amazing. I would keep it!
by car733
Fri Sep 14, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 3
Views: 480

Re: Portfolio Review

Welcome to the forum! 1) I would get rid of TRPLX and use a mixture of VBTLX, VIEIX+VINIX, VTSNX. 2) Read https://www.bogleheads.org/wiki/Three-fund_portfolio#Other_than_Vanguard.2C_Boglehead-style 3) I don't think so. You can open a broker account from outside the USA and buy us based funds. You wo...
by car733
Tue Sep 04, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Taylor's new book is #1
Replies: 32
Views: 5956

Re: Taylor's new book is #1

This post reminded me I hadn't added my review. Five more stars :)
by car733
Tue Aug 28, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: How do you make use of this boglehead.org?
Replies: 20
Views: 2324

Re: How do you make use of this boglehead.org?

Quick links => Unread posts
"Mark all as read" after opening in a new tab interesting topics.
by car733
Tue Aug 28, 2018 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Capital gain on RSUs when there is a loss
Replies: 1
Views: 239

Capital gain on RSUs when there is a loss

Hello

I have some RSUs from a previous employer which were released on 09/15/2017.

The gain loss information says:
Expected Gain/Loss (per share):
-$0.62

Capital Gains Status:
Short Term
Since it's a loss, would it make any difference in my taxes to wait until the long-term date?

Thanks!
by car733
Mon Aug 27, 2018 10:57 am
Forum: Investing - Help with Personal Investments
Topic: 8-month windfall check-in
Replies: 14
Views: 1933

Re: 8-month windfall check-in

PFInterest wrote:
Mon Aug 27, 2018 10:46 am
i would not have put 3/4 MM in a TDF in taxable.
why?
by car733
Tue Aug 14, 2018 10:55 pm
Forum: Investing - Theory, News & General
Topic: Automating TLH at Vanguard
Replies: 11
Views: 1118

Re: Automating TLH at Vanguard

I keep track of cost basis on excel. Every time I download confirmation of a buy order, I convert PDF to Excel and import it to my spreadsheet. It's not that I don't trust Vanguard, it's just my way to cross checking their accounting and record keeping system. Interesting! Thanks for sharing. How d...
by car733
Tue Aug 14, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: Automating TLH at Vanguard
Replies: 11
Views: 1118

Re: Automating TLH at Vanguard

thangngo wrote:
Tue Aug 14, 2018 12:45 pm
Haha fair enough. I trust my excel as I use it to make decision on TLH orders.
How do you copy information from the cost basis page to your excel?
by car733
Tue Aug 14, 2018 12:43 pm
Forum: Investing - Theory, News & General
Topic: Automating TLH at Vanguard
Replies: 11
Views: 1118

Re: Automating TLH at Vanguard

thangngo wrote:
Tue Aug 14, 2018 12:40 pm
A calculator.
I thought it was a form or a way to download the cost basis information :oops:
I could use a calculator, but I trust my code more than my fat fingers :)
by car733
Tue Aug 14, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Automating TLH at Vanguard
Replies: 11
Views: 1118

Re: Automating TLH at Vanguard

You still need to have a strategy for TLH: which lot to sell, which ETF to replace, and how much, etc. I am doing my first steps with TLH. So far, my process is the following: - Go to cost basis - Sum the quantity of the losses - If the loss amount feels enough, so far +20usd, I create an order And...
by car733
Tue Aug 14, 2018 10:40 am
Forum: Investing - Theory, News & General
Topic: Automating TLH at Vanguard
Replies: 11
Views: 1118

Re: Automating TLH at Vanguard

How wise is it to install a plugin to your browser that could potentially be harvesting your Vanguard login and account info and directing it elsewhere? 100%! Everyone should do their research. If you can't read code, read about how secure tampermonkey is. Hint: It requires additional permissions t...
by car733
Mon Aug 13, 2018 11:36 pm
Forum: Investing - Theory, News & General
Topic: Automating TLH at Vanguard
Replies: 11
Views: 1118

Automating TLH at Vanguard

Hello! I've been toying with the idea of automating TLH at Vanguard for a while. I just finished the most basic functionality inside a Userscript and I am sharing it just in case someone else is interested. What it does so far: 1) When you visit https://personal.vanguard.com/us/XHTML/com/vanguard/co...
by car733
Mon Aug 13, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard updated 1099 in August!
Replies: 28
Views: 2129

Re: Vanguard updated 1099 in August!

livesoft wrote:
Sun Aug 12, 2018 8:45 pm
What's the rush to send in an Amended Return? There might be a correction to the correction.

We have not filed 2017 taxes yet. I'll get around to it in October.
What if you own money? You will end up with interest, right?
by car733
Mon Aug 13, 2018 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Brazil
Replies: 3
Views: 377

Re: Investing in Brazil

Opening a broker account from Brazil might be too hard.
I remember reading about a robo-advisor in Brazil. I would start there.
by car733
Sat Aug 11, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Sell and use proceeds to buy another ETF in Vanguard?
Replies: 7
Views: 484

Re: Sell and use proceeds to buy another ETF in Vanguard?

Yes, but not if you have a margin account. That's an interesting point. If I open a margin account, I would be able to place both orders at the same time. Another possibility is holding some cash in the settlement fund. Thanks for your answers! You didn’t ask but just want to ensure you understand ...
by car733
Sat Aug 11, 2018 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Sell and use proceeds to buy another ETF in Vanguard?
Replies: 7
Views: 484

Re: Sell and use proceeds to buy another ETF in Vanguard?

livesoft wrote:
Sat Aug 11, 2018 11:58 am
There is a way to do that online with 2 separate orders: one after the other.
but you need the market to be open, right?
by car733
Sat Aug 11, 2018 11:50 am
Forum: Investing - Help with Personal Investments
Topic: Sell and use proceeds to buy another ETF in Vanguard?
Replies: 7
Views: 484

Sell and use proceeds to buy another ETF in Vanguard?

Hello,

I noticed that I can do an exchange with Vanguard mutual funds.
I am trying to do the same thing with ETFs but I can't find a way in the order menu to sell and use the proceeds to buy something else.

Can't it be done?

Thanks!
by car733
Fri Aug 10, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Crossroad of what to do next?
Replies: 37
Views: 2762

Re: Crossroad of what to do next?

KlangFool wrote:
Fri Aug 10, 2018 8:30 am
Why are you thinking about 529 of your children when you are paying your own student loan?
Sorry, can you explain what's the issue?
by car733
Tue Aug 07, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?
Replies: 45
Views: 2164

Re: Should I apply for United Explorer MileagePlus Card? Is it worth it in my situation?

My story with the cc so far: I have used United Explorer MileagePlus card in the past. Around two years ago, I terminated the agreement and moved all my expenses to chase sapphire reserve. Since I am doing a few flights with luggage this year (more than 100 usd in cost), I got the card again. I basi...
by car733
Mon Aug 06, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review, Age 31, $1.5 million net worth
Replies: 38
Views: 8292

Re: Portfolio Review, Age 31, $1.5 million net worth

9. Tax loss harvesting? Given that the market has been going up a lot recently, I don't think I currently have any tax loss harvesting opportunities. Are there any rules of thumb on when it makes sense to tax loss harvest? For example: Only do it if the price has fallen 10% and you harvest at least...
by car733
Sat Jul 28, 2018 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Chase Sapphire Reserve travel insurance
Replies: 33
Views: 3628

Re: Chase Sapphire Reserve travel insurance

Were you talking to chase directly?
I never had to use it but I know you can reimburse up to 2.5k.

Do you mind explaining what happened?
by car733
Sat Jul 28, 2018 8:06 am
Forum: Investing - Theory, News & General
Topic: Passive Index Investing, A Bubble Bound To Burst?
Replies: 114
Views: 11871

Re: Passive Index Investing, A Bubble Bound To Burst?

part of the conclusion is solid:
The original rationale for passive indexing makes a lot of sense, and it still may prove to be the best strategy for many market participants (if they are able to stick to it).
:sharebeer
by car733
Fri Jul 27, 2018 3:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: RIP investor
Replies: 22
Views: 4369

Re: RIP investor

Sorry to hear :(
Local chapters is a good place for IRL.