Search found 839 matches

by GrowthSeeker
Thu Mar 26, 2020 1:38 pm
Forum: Investing - Theory, News & General
Topic: So, Where Are You *Back* To in Time? (And Were You Happy Then?)
Replies: 63
Views: 3790

Re: So, Where Are You *Back* To in Time? (And Were You Happy Then?)

I was back to about October, 2018 but with latest market uptick: December, 2018.

It's not a market crash.
It's like a "time machine".
by GrowthSeeker
Sun Mar 22, 2020 8:38 am
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55516

Re: How to get Toilet Paper ? seriously.

If you can't get TP, and if you can get a replacement shower head which includes a hand held attachment with a long enough hose, then you can wash and rinse the nether region as much as needed (and rinse down the shower floor if needed). For example, this type , though there are many brands and styl...
by GrowthSeeker
Sun Mar 22, 2020 8:17 am
Forum: Investing - Theory, News & General
Topic: 100-Year Crisis Every Decade?
Replies: 22
Views: 1685

Re: 100-Year Crisis Every Decade?

A 100 year flood is defined something like: every year, there is statistically a 1% chance of a flood "this bad". It doesn't mean the worst flood in a century. And the "100 year floodplain" is defined on a map with lines near rivers and oceans to which every year there is a 1% chance that a flood wi...
by GrowthSeeker
Sat Mar 14, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: AMT, State Tax Refunds, and TurboTax
Replies: 0
Views: 103

AMT, State Tax Refunds, and TurboTax

Bogleheads, tl;dr which tax software to use to recalculate prior (AMT) tax year; refiling questions; methodology to determine percent of refund which is taxable. Tax preparation history: 2017: CPA, filed Schedule A, AMT was necessary, overpaid state taxes to 2 states. 2018: TurboTax Premier, State 1...
by GrowthSeeker
Tue Mar 10, 2020 1:48 am
Forum: Personal Finance (Not Investing)
Topic: Colleague is Day Trading
Replies: 43
Views: 4221

Re: Colleague is Day Trading

No good deed goes unpunished.
by GrowthSeeker
Sat Feb 29, 2020 4:42 pm
Forum: Personal Investments
Topic: Sell now and start buying back in 3 months
Replies: 80
Views: 6115

Re: Sell now and start buying back in 3 months

I have my own guesses as to how this will play out - but that is irrelevant. "It's tough to make predictions, especially about the future" The one thing I know for certain is that the media has been and will be spinning everything related to this virus and its effect on the stock market and economy ...
by GrowthSeeker
Thu Feb 27, 2020 2:27 pm
Forum: Personal Consumer Issues
Topic: Bradford White water heaters — good?
Replies: 22
Views: 1772

Re: Bradford White water heaters — good?

Why get an energy audit? I didn't even know that was a "thing". Sounds to me like somebody's selling something. My default feeling about throwing away a perfectly good appliance to get a new appliance solely because it's a little bit more energy efficient is rarely a good plan. Generally there will ...
by GrowthSeeker
Wed Feb 26, 2020 8:03 pm
Forum: Personal Investments
Topic: Should we use the coronavirus drop to do Roth conversion?
Replies: 39
Views: 3217

Re: Should we use the coronavirus drop to do Roth conversion?

Assume one has decided to do a Roth conversion of a certain number of dollars but then the market makes a large move up or down.

Sure, the dollar amount of the Roth Conversion is the same.
But the percentage of the IRA which got converted to Roth varies with how the market moved.
by GrowthSeeker
Wed Feb 26, 2020 9:11 am
Forum: Personal Consumer Issues
Topic: Tool to remove encrusted soil from bronze
Replies: 14
Views: 872

Re: Tool to remove encrusted soil from bronze

Do you want to preserve the green color? Or do you want it to look polished like new? I had a house with copper gutters, they were quite old, green from interaction with oxygen and/or CO2 over decades, and this added to the charm of the house. I'm not a sculpture expert, but does the green discolora...
by GrowthSeeker
Sun Feb 23, 2020 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Received New Credit Card at My Address for Someone With My Last Name
Replies: 27
Views: 1653

Re: Received New Credit Card at My Address for Someone With My Last Name

Would a criminal, intent on getting a credit card in someone else's name, possibly pick a 75 year old? ... and put the address as someone else, like the OP, who lives nearby with the same last name? ... hoping to snag the letter with the credit card from your mailbox (same difficulty as snagging it...
by GrowthSeeker
Sun Feb 23, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Received New Credit Card at My Address for Someone With My Last Name
Replies: 27
Views: 1653

Re: Received New Credit Card at My Address for Someone With My Last Name

Would a criminal, intent on getting a credit card in someone else's name, possibly pick a 75 year old? ... and put the address as someone else, like the OP, who lives nearby with the same last name? ... hoping to snag the letter with the credit card from your mailbox (same difficulty as snagging it ...
by GrowthSeeker
Sun Feb 23, 2020 4:40 pm
Forum: Investing - Theory, News & General
Topic: Early Retirement Now: Do Bonds Really Belong in Retirement Accounts?
Replies: 93
Views: 6505

Re: Early Retirement Now: Do Bonds Really Belong in Retirement Accounts?

One nice feature of Big ERN's spreadsheet is that it computes the relative values of: a dollar in IRA a dollar in taxable (vs a dollar in Roth which is always equal to a dollar) ... and these can vary with tax rates, growth rates, and time, depending on which one. (look on the "Main" tab in the Q26:...
by GrowthSeeker
Sun Feb 23, 2020 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Hold on Settlement Fund
Replies: 16
Views: 1068

Re: Vanguard Hold on Settlement Fund

My conclusion from a long thread a few months back was:
If you're moving an entire account from one institution to another: pull it.
If you're moving some cash from one institution to another: push it.
by GrowthSeeker
Sun Feb 23, 2020 3:11 pm
Forum: Personal Investments
Topic: Question about inherited stocks..
Replies: 7
Views: 476

Re: Question about inherited stocks..

I'm assuming that he held those stocks in an account that was in his name only. What I don't know is whether the IRS considers that a marital asset, so I don't know whether only half of it or all of it gets the stepped up basis. Probably need a legal opinion (I am not a lawyer), and further details ...
by GrowthSeeker
Fri Feb 21, 2020 8:45 pm
Forum: Investing - Theory, News & General
Topic: Why does VTEAX have a purchase fee?
Replies: 32
Views: 2177

Re: Why does VTEAX have a purchase fee?

Good question, because the corresponding ETF does not (VTEB)
by GrowthSeeker
Fri Feb 21, 2020 11:01 am
Forum: Investing - Theory, News & General
Topic: Morgan Stanley buying E*TRADE
Replies: 37
Views: 3002

Re: Morgan Stanley buying E*TRADE

I just heard about Etrade's bonus (0.25% to 0.5% depending on the amount) a few days ago; and just learned today about MS buying Etrade. I wonder if they are now doing this bonus to get a temporary influx to offset the expected out-flux as people jump ship from ET due to this acquisition??? I've had...
by GrowthSeeker
Tue Feb 18, 2020 8:02 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone else wanted a mind map of their financial accounts?
Replies: 27
Views: 2027

Re: Has anyone else wanted a mind map of their financial accounts?

But I have all my bills on autopay via various means. Do you find it difficult to manage autopay of different bills via various means? No. Most bills are auto paid from primary checking account's "bill pay" feature. Some are done by having the biller pull from my checking (or savings) account. Payc...
by GrowthSeeker
Mon Feb 17, 2020 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone else wanted a mind map of their financial accounts?
Replies: 27
Views: 2027

Re: Has anyone else wanted a mind map of their financial accounts?

I think running an application on your computer that actually directs interactions with banks and brokers would be a really bad idea, even if it could be done. Security loopholes and errors would be a big concern for me. The only thing I don't understand is how what I'm suggesting is so different t...
by GrowthSeeker
Sun Feb 16, 2020 10:30 pm
Forum: Investing - Theory, News & General
Topic: Why aren't there more balanced/asset allocation ETFs?
Replies: 22
Views: 1980

Re: Why aren't there more balanced/asset allocation ETFs?

The Wall Street Journal asked this question a while back: https://www.wsj.com/articles/whats-holding-back-all-in-one-etfs-11567995061. For me that article was behind a pay wall, but going to it via a google search got me to the full article. For some reason, the google trick didn't work for me (sti...
by GrowthSeeker
Fri Feb 14, 2020 4:53 pm
Forum: Personal Investments
Topic: Does it matter whether I buy low-coupon or high-coupon Treasuries?
Replies: 9
Views: 584

Re: Does it matter whether I buy low-coupon or high-coupon Treasuries?

I haven’t thought this through, but I assume that if you buy at discount then hold to maturity, you’d have a capital gain; and if you held the bond over a year, it would be LTCG taxed at (for many people) 15%. Does this mean you can control how much of your total return is taxed at your marginal inc...
by GrowthSeeker
Fri Feb 14, 2020 2:35 pm
Forum: Personal Consumer Issues
Topic: Internet and basic tv options?
Replies: 44
Views: 3305

Re: Internet and basic tv options?

Search for ookla speed test and run this to see what kind of speed you're getting. Compare that with what speed the cable provider claims you should be getting. As a generalization buying your own cable modem is better than renting one from the company. And getting a cable modem which is not also a ...
by GrowthSeeker
Wed Feb 12, 2020 9:02 am
Forum: Personal Investments
Topic: Explain to me why dividends aren't real money
Replies: 81
Views: 8219

Re: Explain to me why dividends aren't real money

I have around 8% of my portfolio in a REIT (Chimera Investment Corp, CIM) this company pays around a 10% dividend and the price stays pretty steady. It drops on exdividend day then normally recovers within 3 to4 weeks. They way I see it I’m making 10% and acquiring more shares through reinvestment....
by GrowthSeeker
Wed Feb 12, 2020 1:31 am
Forum: Personal Investments
Topic: Explain to me why dividends aren't real money
Replies: 81
Views: 8219

Re: Explain to me why dividends aren't real money

I have around 8% of my portfolio in a REIT (Chimera Investment Corp, CIM) this company pays around a 10% dividend and the price stays pretty steady. It drops on exdividend day then normally recovers within 3 to4 weeks. They way I see it I’m making 10% and acquiring more shares through reinvestment....
by GrowthSeeker
Tue Feb 11, 2020 2:49 pm
Forum: Personal Investments
Topic: Explain to me why dividends aren't real money
Replies: 81
Views: 8219

Re: Explain to me why dividends aren't real money

A dividend is real money moved from one pocket to another pocket along with a slight tax consequence. Investors who place great importance on high, or consistent, or growing dividends as the basis for their stock-picking or fund-picking strategy might be about as likely to succeed as other beat-the-...
by GrowthSeeker
Sun Feb 09, 2020 8:50 pm
Forum: Investing - Theory, News & General
Topic: A Boglehead's Edward Jones Question
Replies: 46
Views: 4337

Re: A Boglehead's Edward Jones Question

Spinola wrote:
Sun Feb 09, 2020 12:37 pm
It makes no sense whatsoever...Avoid EJ like Coronavirus.
EdJonavirus
by GrowthSeeker
Sun Feb 09, 2020 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Wife's oncologist has stopped treatment, is recommending hospice
Replies: 93
Views: 14793

Re: Wife's oncologist has stopped treatment, is recommending hospice

Sorry for your situation. Sometimes what a physician thinks Hospice ought to be and how Insurance and Hospice nurses view Hospice are two different things. And it might vary from state to state. My understanding is that when "Hospice" gets involved, a lot of things you would think should still go on...
by GrowthSeeker
Fri Feb 07, 2020 12:51 am
Forum: Forum Issues and Administration
Topic: How to create URL for latest post in topic?
Replies: 22
Views: 1543

Re: How to create a URL for last post in topic?

Good question. I'm not a guru, but you could start by web scraping the first page to see how many posts there are. Then append "&start=N" where "N" is that number rounded down to the nearest multiple of 50. That gets you to the top of the last page. I checked several pages, and the next step is to a...
by GrowthSeeker
Wed Jan 29, 2020 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Made partner but no contract after 2 months, what should I do?
Replies: 45
Views: 3775

Re: Made partner but no contract after 2 months, what should I do?

re goodwill: the pertinent piece of information (which is impossible to know) is what will be the value placed on goodwill when the OP retires, moves, or otherwise sells his interest? i.e. is it a stock which is going to go up or down. The ultimate market timing decision. I have known of two groups ...
by GrowthSeeker
Wed Jan 29, 2020 6:12 pm
Forum: Investing - Theory, News & General
Topic: How do Dividends Benefit an Investor?
Replies: 178
Views: 9238

Re: How do Dividends Benefit an Investor?

Oh boy! This is so much fun. It reminds me of a friend in the early 1970s who was excited about a stock he owned which had split 2:1 recently, so he had 200 shares instead of 100 shares. My 19 yo self knew nothing about the stock market, but I surmised that the price per share changed also. I asked ...
by GrowthSeeker
Wed Jan 29, 2020 4:12 pm
Forum: Investing - Theory, News & General
Topic: Question re target date or balanced index funds
Replies: 18
Views: 1464

Re: Question re target date or balanced index funds

With the Vanguard target date fund, once retirement is reached, is the glide path completed? For example, I see their 2015 TG fund is about 37% in equities; does it permanently remain that way? I'm not certain, but I thought that after enough years pass, they will roll this into Vanguard Target Ret...
by GrowthSeeker
Wed Jan 29, 2020 3:59 pm
Forum: Personal Consumer Issues
Topic: Should I install modern water savings toilet in old building? Plumber says absolutely NOT TO
Replies: 52
Views: 5601

Re: Should I install modern water savings toilet in old building? Plumber says absolutely NOT TO

Don't replace the old toilet if it is working well. Follow the plumber's advice. Why would any tenant be happy about some water saving feature of their toilet? Are they paying the water bill? Would it save that much water to have less water per flush? How many flushes are needed from a low flush toi...
by GrowthSeeker
Wed Jan 29, 2020 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Made partner but no contract after 2 months, what should I do?
Replies: 45
Views: 3775

Re: Made partner but no contract after 2 months, what should I do?

Didn't read everything, but... Maybe there is no contract yet, but is there at least an understanding of what is going to be in the contract? Maybe the delay is the lawyer friend just being lazy. But maybe the delay is the other partners figuring out how best to screw you. It is often unclear what t...
by GrowthSeeker
Wed Jan 29, 2020 1:37 pm
Forum: Investing - Theory, News & General
Topic: Portfolio Visualizer Going Subscription
Replies: 125
Views: 9305

Re: Portfolio Visualizer Going Subscription

I had made an account just to follow HEDGEFUNDIE's thing. But just now, I logged in; you only have about 15 days as a trial period. So I closed my account.
99.9% of my use was just backtesting portfolios with just a few assets (you can still do this for free with up to 25 assets)
by GrowthSeeker
Mon Jan 27, 2020 11:31 am
Forum: Investing - Theory, News & General
Topic: How do Dividends Benefit an Investor?
Replies: 178
Views: 9238

Re: How do Dividends Benefit an Investor?

are there any index funds that track total stock market/sp500 that does not pay out any dividends? i'd rather have that in my taxable account I don't think there are. Apparently the number of stocks in the S&P 500 that pay no dividends is small. To the OP: - some retired folks like the idea of neve...
by GrowthSeeker
Sat Jan 25, 2020 5:24 am
Forum: Investing - Theory, News & General
Topic: How to check historical performance including dividends
Replies: 9
Views: 977

Re: How to check historical performance including dividends

etfreplay.com has charts which include dividends. It shows charts for ETFs and stocks, but AFAIK not mutual funds or indices. Specifically, the two the OP is looking for are not supported.

https://www.etfreplay.com/chart_totalreturn.aspx
by GrowthSeeker
Sat Jan 25, 2020 5:14 am
Forum: Investing - Theory, News & General
Topic: At some point you'll probably lose at least 30% (real) from your diversified portfolio: Meb Faber
Replies: 96
Views: 8355

Re: At some point you'll probably lose at least 30% (real) from your diversified portfolio: Meb Faber

I would be interested in seeing a scatter plot with "percent market decline" on one axis, and "months to recover" on the other. I think I've seen this before, but I can't remember where, and I can't find it with searching.
by GrowthSeeker
Fri Jan 24, 2020 10:13 pm
Forum: Investing - Theory, News & General
Topic: How to check historical performance including dividends
Replies: 9
Views: 977

Re: How to check historical performance including dividends

True. But with PV, there are many other pages and tools. Instead of tickets, you can go to the https://www.portfoliovisualizer.com/backtest-asset-class-allocation page and test different asset classes. For some things, you have to get creative and maybe use an ETF that follows an index. Another limi...
by GrowthSeeker
Fri Jan 24, 2020 2:03 pm
Forum: Personal Consumer Issues
Topic: Costco Optometrist vs Independent Office Eye dr
Replies: 42
Views: 2902

Re: Costco Optometrist vs Independent Office Eye dr

I'm an ophthalmologist. I'm a practice owner with 2 other MDs that also employs 9 optometrists. Primarily I do surgery and see patients with eye disease. Most younger patients with healthy eyes (perhaps younger than 40) could see an optometrist, and would be referred if they needed more than glasse...
by GrowthSeeker
Fri Jan 24, 2020 11:57 am
Forum: Investing - Theory, News & General
Topic: How to check historical performance including dividends
Replies: 9
Views: 977

Re: How to check historical performance including dividends

Yes, if you use https://finance.yahoo.com/ put in a ticker, and go to the historical data tab, adjust the dates to what you want then click 'Download Data' just below the blue "Apply" button, and put that in your own spreadsheet. Or you can use this: https://www.portfoliovisualizer.com/backtest-port...
by GrowthSeeker
Fri Jan 24, 2020 11:43 am
Forum: Personal Investments
Topic: New Here Wondering About Possible Market Crash
Replies: 70
Views: 6531

Re: New Here Wondering About Possible Market Crash

“Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves.” — Peter Lynch Statistically, putting a chunk in all at once beats putting it in gradually two times out of three. About one trading day out of eve...
by GrowthSeeker
Thu Jan 23, 2020 9:48 am
Forum: Personal Investments
Topic: All into VITAX?
Replies: 14
Views: 1438

Re: All into VITAX?

Simple answer: I'm thinking 'no'. Note that although the minimum purchase of the fund VITAX is your entire nest egg, $100,000 the companion ETF, VGT does not have a minimum. So first of all, there is no need to go "all-in". btw, "all-in" is gambling terminology, and chasing past performance and atte...
by GrowthSeeker
Thu Jan 23, 2020 9:18 am
Forum: Investing - Theory, News & General
Topic: Are interest rates ever going back up?
Replies: 98
Views: 7798

Re: Are interest rates ever going back up?

If it were suddenly the 1970s, but somehow there was an internet and a similar forum (or bulletin board) back then, we would currently be reading a post entitled:
"Are interest rates ever going back down?"
by GrowthSeeker
Thu Jan 23, 2020 8:55 am
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 26556

Re: Sad news: LadyGeek's husband has passed

I'm so sorry for your loss, LadyGeek. Hoping you find some comfort from these words in your time of grief.
by GrowthSeeker
Thu Jan 23, 2020 8:38 am
Forum: Personal Investments
Topic: Help with Retirement Planning, factoring in pension, ss, calculations
Replies: 7
Views: 752

Re: Help with Retirement Planning, factoring in pension, ss, calculations

Another vote both for doing your own spreadsheet and for calculating everything in today's dollars. Note that tax brackets and Social Security are indexed for inflation. Not sure if you're already a spreadsheet guru, but if you're not, the fact that you are asking this question tells me that being a...
by GrowthSeeker
Wed Jan 22, 2020 7:17 pm
Forum: Personal Investments
Topic: Getting $2 Million in Cash! What do I do with it?
Replies: 75
Views: 6575

Re: Getting $2 Million in Cash! What do I do with it?

Here is one way of looking at it: Fees they are paying currently: a lot, probably 1.5% of assets under management, plus commissions plus many high expense ratio funds. Fee paid to Vanguard PAS: 0.3% of assets under management and probably zero additional commissions. Fee paid to the Boglehead forum:...
by GrowthSeeker
Wed Jan 22, 2020 4:32 pm
Forum: Personal Investments
Topic: Getting $2 Million in Cash! What do I do with it?
Replies: 75
Views: 6575

Re: Getting $2 Million in Cash! What do I do with it?

What is the ticker for the Total Bond Market Index Fund? The ETF is BND and the fund is VBTLX They are exactly the same fund. Vanguard has a patent such that their ETFs (at least some of them) are simply a different share class of their mutual funds. It results in lower costs, if I understand it co...
by GrowthSeeker
Wed Jan 22, 2020 4:21 pm
Forum: Personal Investments
Topic: Getting $2 Million in Cash! What do I do with it?
Replies: 75
Views: 6575

Re: Getting $2 Million in Cash! What do I do with it?

See wolf359's post above with the link to Managing a windfall on the BH wiki. What you do next depends a lot on the psychology between you and your parents, and between your parents and the money manager, but this would be my strategy in a similar situation. 1. Don't let the new money go into an acc...
by GrowthSeeker
Wed Jan 22, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Costco Optometrist vs Independent Office Eye dr
Replies: 42
Views: 2902

Re: Costco Optometrist vs Independent Office Eye dr

If your vision is bad enough to wear dime store glasses and you're getting headaches and you have never been to an "eye doctor", then you need to see a physician = Ophthalmologist. Hypothetically, if someone has regularly seen an Ophthalmologist, and if it is reasonably certain that there are no maj...
by GrowthSeeker
Wed Jan 22, 2020 3:27 pm
Forum: Investing - Theory, News & General
Topic: Big Data and Market Forecasting
Replies: 26
Views: 1573

Re: Big Data and Market Forecasting

To summarize the OP's idea: can Big Data and computational speed and power increase to the point where markets will be predictable? I doubt it, because of the human factor, but it's an interesting question. Similar question: suppose you could time travel back 150 years (before anyone even heard of m...
by GrowthSeeker
Wed Jan 22, 2020 3:12 pm
Forum: Personal Investments
Topic: Last gasp of the bull
Replies: 118
Views: 18106

Re: Last gasp of the bull

It's reassuring that NOT 100% of people are drunk on pure optimism. i.e. not hearing about the latest hot stock tip from the shoe shine boy (shoe shine person?).
So for now, (pausing to yawn), I'll go back to ignoring the noise about where the markets might be going.