Search found 59 matches

by AlphaPilot
Thu Apr 25, 2019 12:34 pm
Forum: Investing - Theory, News & General
Topic: Tax Managed International Fund?
Replies: 6
Views: 485

Tax Managed International Fund?

Looking to obtain some international funds for diversification but this is all inside of a taxable account at Vanguard.

Is VDVIX the best option here? It does not have emerging markets, so I assume that would be an issue and need made up for.
by AlphaPilot
Thu Apr 11, 2019 8:14 am
Forum: Personal Investments
Topic: Clean up Taxable Brokerage Acct
Replies: 11
Views: 1171

Re: Clean up Taxable Brokerage Acct

Sorry for the confusion. "tax" should be typed in the box upper right corner. My thinking is these funds should not be in taxable -- VBIAX Vanguard Balanced Index Admiral VWEHX Vanguard High-Yield Corporate Fund Invest Shares VBIRX Vanguard Short-Term Bond Admiral Shares VBTLX Vanguard Total Bond A...
by AlphaPilot
Wed Apr 10, 2019 1:57 pm
Forum: Personal Investments
Topic: Clean up Taxable Brokerage Acct
Replies: 11
Views: 1171

Re: Clean up Taxable Brokerage Acct

AlphaPilot, use this Wiki link to learn about taxes. When you open the Wiki, type "tax" into the Bogleheads search box and you will get several options for reading. Send it to your friends. https://www.bogleheads.org/w/index.php?search=tax&title=Special%3ASearch&go=Go Paul Paul, When you click that...
by AlphaPilot
Wed Apr 10, 2019 11:53 am
Forum: Personal Investments
Topic: Clean up Taxable Brokerage Acct
Replies: 11
Views: 1171

Re: Clean up Taxable Brokerage Acct

Wellesley is an excellent fund especially for retirees. If they have 65% of their balance in this fund, they have 26% exposure to stocks and 36% exposure to bonds through this fund. If they sell everything else and move it into Vanguard Balanced Index Fund, they will have 17% exposure to bonds and ...
by AlphaPilot
Wed Apr 10, 2019 10:38 am
Forum: Personal Investments
Topic: Clean up Taxable Brokerage Acct
Replies: 11
Views: 1171

Clean up Taxable Brokerage Acct

Helping a family member clean up their portfolio. Most of these funds seems like they overlap. They want to get down to a 3-5 fund portfolio and are looking to be about 40-45% stocks, then the rest in secure but still better earning funds than just a money market (so bonds I assume). In a couple (2)...
by AlphaPilot
Wed Feb 27, 2019 1:08 pm
Forum: Personal Consumer Issues
Topic: Which Free Antivirus for Macs?
Replies: 26
Views: 1751

Re: Which Free Antivirus for Macs?

Update - I went to the Avast forums and someone there directed me to something that showed my exact pop up. It was legit so I took care of it. I’d still like to know if a long scan will continue when your computer goes into standby mode. Also after about 4-5 years of having this and tons of updates...
by AlphaPilot
Mon Feb 11, 2019 1:33 pm
Forum: Investing - Theory, News & General
Topic: Here's to Tax Loss Harvesting
Replies: 19
Views: 2326

Re: Here's to Tax Loss Harvesting

If you hold some VTSAX in a 401k but also in a regular taxable account, and want to sell/TLH/Trade in the brokerage but leave alone in the 401k due to the other choices in the 401k, does the bit sold in the regular taxable account count as TLH or since some was held elsewhere....it negates the bene...
by AlphaPilot
Mon Feb 11, 2019 11:30 am
Forum: Investing - Theory, News & General
Topic: Here's to Tax Loss Harvesting
Replies: 19
Views: 2326

Re: Here's to Tax Loss Harvesting

If you hold some VTSAX in a 401k but also in a regular taxable account, and want to sell/TLH/Trade in the brokerage but leave alone in the 401k due to the other choices in the 401k, does the bit sold in the regular taxable account count as TLH or since some was held elsewhere....it negates the benef...
by AlphaPilot
Fri Feb 08, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: When VUSXX is not better than VMMXX
Replies: 9
Views: 1581

Re: When VUSXX is not better than VMMXX

Prime = better yield? Or should I not use effective tax rate but instead marginal? It depends. If that income from Prime is already in the income that was used to calculate your effective state tax rate then it may be OK to leave your calculation as is. If this will be new income not previously tax...
by AlphaPilot
Fri Feb 08, 2019 10:34 am
Forum: Personal Finance (Not Investing)
Topic: When VUSXX is not better than VMMXX
Replies: 9
Views: 1581

Re: When VUSXX is not better than VMMXX

Prime = better yield? Or should I not use effective tax rate but instead marginal? It depends. If that income from Prime is already in the income that was used to calculate your effective state tax rate then it may be OK to leave your calculation as is. If this will be new income not previously tax...
by AlphaPilot
Thu Feb 07, 2019 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: When VUSXX is not better than VMMXX
Replies: 9
Views: 1581

When VUSXX is not better than VMMXX

Running numbers of Prime MM vs Treasury MM with an effective state income tax of 3.85% my calculations on today's current SEC yield of these two funds is that the Vanguard Prime fund is still slightly better even after the effective state tax of 3.85%. Am I missing anything? Today's yields are Prime...
by AlphaPilot
Tue Jan 29, 2019 5:09 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer (home): Do you leave it "On" or turn "off" after using?
Replies: 77
Views: 5100

Re: Desktop Computer (home): Do you leave it "On" or turn "off" after using?

The amount of outdated information and large gap of answers ranging from one thing to another is cool to see. I also chuckle at the little jabs between Mac, Linux, and Windows. Trying to be so subtle in there.... :mrgreen: What flavor of OS you have doesn't matter in terms of power. What flavor of O...
by AlphaPilot
Fri Jan 18, 2019 3:28 pm
Forum: Personal Investments
Topic: No 401K match new employer
Replies: 29
Views: 3183

Re: No 401K match new employer

For those saying pretax space is valuable / invaluable........ Is this not simply subject of opinion? Taxes change?
by AlphaPilot
Sat Dec 08, 2018 1:16 pm
Forum: Personal Investments
Topic: VMMXX over.... CD, Bonds, HYS?
Replies: 17
Views: 1946

Re: VMMXX over.... CD, Bonds, HYS?

All, The point of this money is to serve as both protection against inflation, some minor spending funds, and also the way I was leaning towards as an alternative to the bonds that continue to go down in value. Yes, the argument is that bonds are better because they pay more than 2.32 yield. However...
by AlphaPilot
Fri Dec 07, 2018 5:46 pm
Forum: Personal Investments
Topic: VMMXX over.... CD, Bonds, HYS?
Replies: 17
Views: 1946

Re: VMMXX over.... CD, Bonds, HYS?

Very good to know, so it's better than I thought. Thanks. From my reading here, it seems like there was one MM that collapsed or had issues many moons ago but eventually everyone got 98 cents on the dollar? And I also read that regulations were changed after this occured, meaning it should be even l...
by AlphaPilot
Fri Dec 07, 2018 4:33 pm
Forum: Personal Investments
Topic: VMMXX over.... CD, Bonds, HYS?
Replies: 17
Views: 1946

VMMXX over.... CD, Bonds, HYS?

Can someone tell me if I am wrong in my thought process here? Currently it looks like the VMMXX yields 2.32% and has an expense ratio of .16%. Is this the equavalent of an account that compounds monthly (not sure if daily or monthly?) and essentially yields 2.16% as of date of this post? (2.32% -.16...
by AlphaPilot
Wed Nov 28, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: 23 years old 40K saved. What would you do?
Replies: 39
Views: 3522

Re: 23 years old 40K saved. What would you do?

Not to hijack the thread, but question: Can you contribute 6k to a Roth IRA the first month of the year even if you have not earned 6k that year but will by December? If I were you, I would try to find a "job" (even 1099 work) that gives you $6k in after tax dollars and stick that in Roth. You can s...
by AlphaPilot
Wed Nov 21, 2018 12:34 pm
Forum: Personal Consumer Issues
Topic: Difference in hot water tank BTU's
Replies: 6
Views: 763

Re: Difference in hot water tank BTU's

Since you have natural gas have you considered tankless? I wanted to but I am all electric and can't afford the additional line coming in to justify savings. They are getting more affordable. If you have good water or a good water softener they will last. If you have bad water, forget about the idea...
by AlphaPilot
Wed Nov 07, 2018 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking lot loan to build house
Replies: 19
Views: 1474

Re: Seeking lot loan to build house

When building a home and leading to that decision, emotion takes over common sense more than we want to admit. You find "THE LOT" the perfect one, you start planning. And you do not stop. I know from previous experiences. You even start planning things in your subconscious. It puts blinders on your ...
by AlphaPilot
Tue Sep 25, 2018 9:44 am
Forum: Personal Consumer Issues
Topic: $450 for 1.5 hour plumbing job normal?
Replies: 30
Views: 3603

Re: $450 for 1.5 hour plumbing job normal?

$400 is high but many details may be missing. Was this during normal M-F business hours? Was the water already shut off? Did he have to find the leak? Why did he need a helper? Did he have to pump water out of your house? How much of the water line did he actually replace? What size was the water li...
by AlphaPilot
Tue Sep 25, 2018 9:26 am
Forum: Personal Finance (Not Investing)
Topic: What is the Purpose of Vanguard's "Transfer on Death" Form?
Replies: 3
Views: 583

Re: What is the Purpose of Vanguard's "Transfer on Death" Form?

Is this needed if you list beneficiary in the designated beneficiary area, though? When I spoke with them they said my beneficiary would just call in with their information and they would verify at the time.
by AlphaPilot
Thu Aug 02, 2018 3:27 pm
Forum: Personal Investments
Topic: HSA's - when does it make sense?
Replies: 37
Views: 3724

Re: HSA's - when does it make sense?

As mentioned earlier but not in detail - Can any HSA account be transferred from to a different HSA that *does* allow investments without penalty? In the case where an employer offers a standard HSA that is just basically a savings account but offers some match, it would be the best of both worlds t...
by AlphaPilot
Sun Jul 29, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Firecalc "Your Portfolio" Tab to adjust for less stocks in future
Replies: 7
Views: 762

Re: Firecalc "Your Portfolio" Tab to adjust for less stocks in future

I think he has somehow "found out" what his risk association COULD/SHOULD be but he's not comfortable with it so he chooses to be more conservative. These are all random numbers in the sky though without context, which is what I am trying to gather. Everyone has a different size of portfolio and exp...
by AlphaPilot
Sun Jul 29, 2018 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Firecalc "Your Portfolio" Tab to adjust for less stocks in future
Replies: 7
Views: 762

Re: Firecalc "Your Portfolio" Tab to adjust for less stocks in future

I have the "risk tolerance" to handle a 80/20 portfolio. Our retirement portfolio is 40/60. IMHO retirees should not invest even near their risk tolerance. This goes against everything said about maintaining 75/25 allocation all through life even though what you say is what I am more commonly told....
by AlphaPilot
Sun Jul 29, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Firecalc "Your Portfolio" Tab to adjust for less stocks in future
Replies: 7
Views: 762

Re: Firecalc "Your Portfolio" Tab to adjust for less stocks in future

Thanks for the link. That's a very in-depth article. So it seems as if a 75/25 AA is acceptable as long as staying true to a less than 4% withdrawal percentage IF I am wanting to achieve FIRE for a duration of 60+ years. It's nice to see how little of percentages can change the final outcome but tha...
by AlphaPilot
Fri Jul 27, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Home Addition Finance
Replies: 48
Views: 3090

Re: Home Addition Finance

Just thinking outside the box here. $200k for a two room addition on a 675k home seems asinine. Especially when it's "opening up" something such as the current kitchen. I assume for $200k you are adding on a good chunk to the house which includes foundation work, framing, siding, windows, and of cou...
by AlphaPilot
Fri Jul 27, 2018 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Firecalc "Your Portfolio" Tab to adjust for less stocks in future
Replies: 7
Views: 762

Firecalc "Your Portfolio" Tab to adjust for less stocks in future

When using Firecalc, what should the "Your Portfolio" Tab have changed to cover for early retirement and less risk once this stage occurs? Currently the default is "Total market, split between equities and fixed income." and it states "If you leave this section alone, FIRECalc assumes your retiremen...
by AlphaPilot
Fri Jul 27, 2018 9:20 am
Forum: Personal Consumer Issues
Topic: Crabgrass weed killer
Replies: 16
Views: 1528

Re: Crabgrass weed killer

Hands down the best product I have found is Quinclorac (Drive XLR8) for post-emergent (Now that you have the weed growing). Amazon sells a dry granular version for ~$40 that will last you a life time. One application in the evening or morning will do the trick, so long as it doesn't rain for a good ...
by AlphaPilot
Fri Jul 27, 2018 9:14 am
Forum: Personal Consumer Issues
Topic: Figuring out long-term technology plan for kids - Chromebook?
Replies: 43
Views: 2635

Re: Figuring out long-term technology plan for kids - Chromebook?

Chromebooks are great for today's general web use. I believe they work great for schools because at school you do not need to do anything extra besides the basics. They are also affordable. And the IT guys like them because at the end of the year they just delete the user profile and it's like start...
by AlphaPilot
Thu Jul 26, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Medical records breach
Replies: 21
Views: 2331

Re: Medical records breach

This is just a scam call. As stated above, back pain is a common thing among people. If anything all they have is your public information, name, location, age and generally that can be used to target people who will have a certain ailment and pick from their drop down menu on what ailment that is, t...
by AlphaPilot
Wed Jul 25, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: owning a home can't be replicated in markets?
Replies: 10
Views: 898

Re: owning a home can't be replicated in markets?

I think you're onto something. Two key things I would mention. 1.) It's impossible to rely on REIT as a reliable income to pay for the housing you rent. Too volatile for my own comfort anyway. It would maybe be more possible to rent out your current place you own and rely on that income. If you trav...
by AlphaPilot
Wed Jul 25, 2018 11:18 am
Forum: Personal Finance (Not Investing)
Topic: Best vehicle to administer budget for sil [sister-in-law]
Replies: 45
Views: 3635

Re: Best vehicle to administer budget for sil

The good news is she just sold her coop and has $400k of after-tax equity.Thanks! Not the answer you were asking but does she need to factor in taxes on the house profit? I thought for single filers, upto 250K of profit on house is tax free. Does the equity mean profit in the above sentence? Typica...
by AlphaPilot
Wed Jul 25, 2018 10:29 am
Forum: Personal Investments
Topic: Closing Wealthfront and Betterment accounts: Guidance requested
Replies: 32
Views: 4297

Re: Closing Wealthfront and Betterment accounts: Guidance requested

What is the problem with the TLH on these robo-advisor accounts?
by AlphaPilot
Wed Jul 25, 2018 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Tax implications for $25k from in-laws
Replies: 9
Views: 958

Re: Tax implications for $25k from in-laws

There is never a gift tax liability to the donee. The in-laws do not need to write separate checks if the money is from a joint account or they live in a community property state. Even if they gift more than $60k, this is only a gift tax reporting issue on Form 709. There is no tax due until they e...
by AlphaPilot
Fri Jul 20, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 204
Views: 21078

Re: New Vanguard Security Code Requirement

Does VG use cookies to see if you're coming from a different machine? Or do they use your external IP address? Will their app use 2FA? I haven't tried their app yet, but just curious. The app using 2FA seems useless considering most people using the app already have the phone (unless logging into th...
by AlphaPilot
Fri Jul 20, 2018 12:42 pm
Forum: Personal Investments
Topic: Should I Dump a Pile of Money on Young Son?
Replies: 157
Views: 14624

Re: Should I Dump a Pile of Money on Young Son?

Maybe to offer a different perspective. I am of that age or age range, we will say. To me, it doesn't sounds like $1m means a lot to you because you are on here saying you are set for life and asking others for advice on what to do with $1m as if it's a drop in the bucket. Maybe I am reading into th...
by AlphaPilot
Thu Jul 19, 2018 3:12 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4575

Re: Laminate Floor making 'popping' noise

You don't set the depth, and you do not want to cut straight down (perpendicular) or the blade will choke on the laminate and wood material. Cut at a 30 to 45 degree angle. Your wrist is going to shake like crazy even with a high end oscillating tool. However, it will save time versus pulling up th...
by AlphaPilot
Thu Jul 19, 2018 2:51 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4575

Re: Laminate Floor making 'popping' noise

You don't set the depth, and you do not want to cut straight down (perpendicular) or the blade will choke on the laminate and wood material. Cut at a 30 to 45 degree angle. Your wrist is going to shake like crazy even with a high end oscillating tool. However, it will save time versus pulling up th...
by AlphaPilot
Thu Jul 19, 2018 2:41 pm
Forum: Personal Consumer Issues
Topic: Laminate Floor making 'popping' noise
Replies: 30
Views: 4575

Re: Laminate Floor making 'popping' noise

You don't set the depth, and you do not want to cut straight down (perpendicular) or the blade will choke on the laminate and wood material. Cut at a 30 to 45 degree angle. Your wrist is going to shake like crazy even with a high end oscillating tool. However, it will save time versus pulling up the...
by AlphaPilot
Mon Jul 16, 2018 2:21 pm
Forum: Investing - Theory, News & General
Topic: Saving 20% of paycheck isn't enough
Replies: 112
Views: 15173

Re: Saving 20% of paycheck isn't enough

Eating ramen to save money now can be a very bad investment.... :mrgreen: I would do this myself because I do enjoy the flavors. However, the amount of sodium from one package of ramen is insane. Surefire way to have health issues in the future after filtering out that much salt not meant for our bo...
by AlphaPilot
Fri Jul 13, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: Trade War: time for Mac Upgrade?
Replies: 39
Views: 4511

Re: Trade War: time for Mac Upgrade?

Just wanted to chime in with two thoughts. I will admit I read 3/4 of the replies. SSD - This is a must. And I'm sorry, but if you insist on having a Mac (Especially if you are not using it for the key features Mac offers) then you can definitely afford the extra $100 or maybe $150 depending on mode...
by AlphaPilot
Thu Jul 12, 2018 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Question for pre-ACA Early Retirees and pre-ACA solo folks
Replies: 33
Views: 2211

Re: Question for pre-ACA Early Retirees

If you retired in your 50s/early 60s (or younger) in the days before the exchanges, and did so without access to retiree health insurance: At that time, what were your thoughts/plans re. health insurance coverage until Medicare-eligible? In those pre-ACA years, what did you do and how did it work o...
by AlphaPilot
Wed Jul 11, 2018 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 3366

Re: How to plan for health insurance at a young age?

But that might not be a real problem for someone on a healthshare plan as they may know that hitting that $1 million cap is a possibility well before it actually happens. That's an example of gaming the system, which will lead to the system's eventual collapse (edited to add: if enough people do it...
by AlphaPilot
Wed Jul 11, 2018 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 3366

Re: How to plan for health insurance at a young age?

I won't get into politics, but I do believe that was one thing nice about the ACA. I hope the same law / rule applies regardless of future changes.

And yes, Rupert, that would be interesting to know or find out. Maybe there are some folks who have insight!
by AlphaPilot
Wed Jul 11, 2018 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 3366

Re: How to plan for health insurance at a young age?

One thought, assuming 99% of things are covered under the ministry plan insurance.... if/when someone finds they do have an ailment that will cost more than the $1m cap, what do they do? Try signing up for a regular insurance plan in hopes the pre-existing condition doesn't prevent them from gettin...
by AlphaPilot
Wed Jul 11, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 3366

Re: How to plan for health insurance at a young age?

Well this thread was enlightening and also full of gloom. Hah! Basically the best advice is just like anything else...expect and plan for the worst costs in the history of xyz, in this case; health insurance premiums. The religious insurance groups are very appealing to me, because they do benefit ...
by AlphaPilot
Wed Jul 11, 2018 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 3366

Re: How to plan for health insurance at a young age?

I'd like to reach financial independence long before my peers. Why? What does it matter what your peers do? It doesn't matter what they do, it matters what they are not doing. If I say "I'd like to reach financial independence" that throws me in a pool of anyone who wants to do that. But when I say...
by AlphaPilot
Wed Jul 11, 2018 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 3366

Re: How to plan for health insurance at a young age?

Well this thread was enlightening and also full of gloom. Hah! Basically the best advice is just like anything else...expect and plan for the worst costs in the history of xyz, in this case; health insurance premiums. The religious insurance groups are very appealing to me, because they do benefit m...
by AlphaPilot
Wed Jul 11, 2018 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: How to plan for health insurance at a young age?
Replies: 75
Views: 3366

Re: How to plan for health insurance at a young age?

I'm 53 and pretty much set financially, with about 3.5 million in assets. I'd retire tomorrow if I was assured health insurance. But alas, it's not to be. I'm budgeting $40K per year for my wife and I, assuming I can find coverage when I do retire. A couple years ago I thought $20k might do it. But...
by AlphaPilot
Wed Jul 11, 2018 11:23 am
Forum: Personal Consumer Issues
Topic: Masterbath Remodel - Tub or No Tub ?
Replies: 57
Views: 4666

Re: Masterbath Remodel - Tub or No Tub ?

Smaller tiles on the floor are also for *safety*. Large tiles get slippery. There are plenty of large tiles designed specifically for shower floors. They have nonslip textures. Tumbled texture is available in all sizes and you are getting more anti-slip from grout likely. What have you had to do fo...