Search found 107 matches

by BroIceCream
Mon Apr 06, 2020 9:41 pm
Forum: Personal Investments
Topic: Vanguard vs Fidelity for Taxable account
Replies: 8
Views: 661

Re: Vanguard vs Fidelity for Taxable account

I suggest using Vanguard funds or Vanguard ETFs in a taxable account at Vanguard. They will be more tax-efficient than Fidelity funds, a nd will trade commission free .I If you use a taxable account at Fidelity then I best in ETFs like iShares, not Fidelity mutual funds . As a Fidelity taxable & 40...
by BroIceCream
Mon Apr 06, 2020 7:11 pm
Forum: Personal Investments
Topic: Rebalancing mistakes
Replies: 44
Views: 1865

Re: Rebalancing mistakes

My question: even though we're below our bond target, would it still be advisable to sell some bonds and buy stocks, Huh? Is this a typo? The answer is no. You should sell stocks and buy bonds. I'm really confused. I thought the point of rebalancing, aside from keeping your bonds/stocks ratio where...
by BroIceCream
Mon Apr 06, 2020 7:05 pm
Forum: Personal Investments
Topic: Rebalancing...now?
Replies: 8
Views: 851

Re: Rebalancing...now?

I just went through a rebalancing session, and have the same situation you described... except that I'm 2 months away from my rebalance window (timed to coincide with employment bonuses, so my rebalance is mostly just adding $ in the lagging asset classes). Mine is mechanical. My fixed income exceed...
by BroIceCream
Mon Apr 06, 2020 6:57 pm
Forum: Personal Investments
Topic: Benefits/novelty of single share of BRK.B?
Replies: 16
Views: 1164

Re: Benefits/novelty of single share of BRK.B?

Do it. I bought each of my kids [one] share of Disney stock when they were little, and they enjoyed reading the Annual Report publications that came out describing future film and park investments. Of course, with market timing, I eventually lost money on my purchase when we eventually sold, but it...
by BroIceCream
Mon Apr 06, 2020 12:26 pm
Forum: Investing - Theory, News & General
Topic: 401K and IRA millionaires - Fido vs Vang, Pre/Post Covid
Replies: 10
Views: 967

Re: 401K and IRA millionaires - Fido vs Vang, Pre/Post Covid

I don't think Vanguard's 401K business is nearly as large as Fidelity's. Remember having a colleague who worked for Fidelity tell me this. Agreed. I can't find the datasheet, but I saw one on Fidelity's website that they are the leading custodian for employer 401Ks in the US. For IRA's, Vanguard is...
by BroIceCream
Mon Apr 06, 2020 12:20 pm
Forum: Personal Investments
Topic: Benefits/novelty of single share of BRK.B?
Replies: 16
Views: 1164

Re: Benefits/novelty of single share of BRK.B?

Do it. I bought each of my kids [one] share of Disney stock when they were little, and they enjoyed reading the Annual Report publications that came out describing future film and park investments. Of course, with market timing, I eventually lost money on my purchase when we eventually sold, but it ...
by BroIceCream
Mon Apr 06, 2020 1:25 am
Forum: Investing - Theory, News & General
Topic: What percentage of your paycheck do you invest?
Replies: 126
Views: 5980

Re: What percentage of your paycheck do you invest?

When I started my career, I put 8% in my 401k. Everytime I received a raise, I added half of the raise % to my 401k, and kept the rest.
Decades later, I am putting in ~25% in 401k, with 10% to personal savings. And am on track to retire quite comfortably.
by BroIceCream
Sat Apr 04, 2020 6:52 pm
Forum: Personal Consumer Issues
Topic: Spectrum - Wanting to buy my own Cable Modem & WiFi Router
Replies: 10
Views: 880

Re: Spectrum - Wanting to buy my own Cable Modem & WiFi Router

I went with the following options three years ago, and have been completely pleased with the results. No bandwidth issues, and very high reliability (up-time). I have only power-cycled the modem&router once in that 3yr period (previously I was resetting the network monthly). I have a 3000 sq.ft home...
by BroIceCream
Thu Apr 02, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: Homemade Salad Dressing
Replies: 40
Views: 1703

Re: Homemade Salad Dressing

for 1000 Island Dressing in a bind.
Mix together to taste:
  • Mayo
  • Ketchup
  • Sweet pickle relish
Great on a cobb salad, or on a homemade Big Mac burger.
by BroIceCream
Tue Mar 31, 2020 10:29 pm
Forum: Investing - Theory, News & General
Topic: Hedge against SCV underperformance?
Replies: 51
Views: 1854

Re: Hedge against SCV underperformance?

What's struck me about SCV ... is how it has seriously underperformed the broader market for nigh on two decades. I don't know if the "two decades" is fully accurate. In this source of different asset classes, the Callan Table (link below) shows how they can change from year to year. Just looking a...
by BroIceCream
Tue Mar 31, 2020 8:26 pm
Forum: Investing - Theory, News & General
Topic: Hedge against SCV underperformance?
Replies: 51
Views: 1854

Re: Hedge against SCV underperformance?

I don't understand the OP. Hedging against SCV implies that SCV is a major part of the portfolio. SCV [should and] is only a fraction in my portfolio (~10%). All of the other asset classes I have respresented ARE the hedge for each other (REITs, LCB, LCV, etc) . I bumped it up, because I'm willing t...
by BroIceCream
Sun Mar 29, 2020 1:03 pm
Forum: Personal Consumer Issues
Topic: Should I get Life Alert, or similar?
Replies: 53
Views: 2163

Re: Should I get Life Alert, or similar?

I had a relative with Life Alert take a fall, and couldn't get up. Unfortunately, they broke their shoulder & arm in the fall, and couldn't reach for the button to call for help either. It took a day for a neighbor to see 2 newspapers pile up and call the police. She is ok now, but we cancelled LA.
by BroIceCream
Sun Mar 29, 2020 12:53 pm
Forum: Investing - Theory, News & General
Topic: So, Where Are You *Back* To in Time? (And Were You Happy Then?)
Replies: 63
Views: 3661

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

July 2017. I am currently 3 years from retirement, and was trending to be 2 years ahead of schedule with my target portfolio balance when I retire. At the moment, I'm one year behind my retirement "target", but have high confidence it will still happen on schedule. Did someone once say, " time heals...
by BroIceCream
Sun Mar 29, 2020 12:45 pm
Forum: Personal Consumer Issues
Topic: LG dishwasher broke again! Advice..
Replies: 25
Views: 1127

Re: LG dishwasher broke again! Advice..

Wirecutter.com recommends a couple of Bosch and one Kitchenaid model https://thewirecutter.com/reviews/the-best-dishwasher/ Consumer Reports generally has good evaluations of features. Sadly libraries in many cities are currently closed. Might be worth paying for digital access for one month to get...
by BroIceCream
Sun Mar 29, 2020 12:34 pm
Forum: Investing - Theory, News & General
Topic: Why does anyone invest in international funds?
Replies: 306
Views: 17461

Re: Why does anyone invest in international funds?

Brianmcg321 wrote:
Tue Mar 24, 2020 5:24 pm
Why does anyone invest in international funds? Their returns are terrible.
If you don't, you are only investing in 55% of a haystack.
by BroIceCream
Sat Mar 28, 2020 6:55 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in the midst of a black swan event
Replies: 8
Views: 563

Re: Rebalancing in the midst of a black swan event

I am a long horizon investor in Vanguard index stock and bond funds. I usually re-balance my holdings every 6 months or so. Well, it's time to re-balance but, oops, right in the midst of a very unusual market. Does it make sense to re-balance regardless of market conditions? To me it sounds like yo...
by BroIceCream
Sat Mar 28, 2020 2:20 pm
Forum: Personal Consumer Issues
Topic: Best Items to Buy at Macys
Replies: 12
Views: 1602

Re: Best Items to Buy at Macys

What you need. And nothing more. Macys has very competitive pricing if you have their CC. They send stackable coupons etc. +1 My wife has become a master at stacking their coupons. Most of the time she'll return with items (clothing) at ~30-40% of the list price. 60-70% discounts are hard to beat !
by BroIceCream
Sat Mar 28, 2020 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Pay fed tax now - or July 15?
Replies: 47
Views: 4207

Re: Pay fed tax now - or July 15?

I told my son to file TODAY. Last year he was a dependent on my tax return, and this year he is not. The dependency would affect his corona-virus eligibility. If he waits until July, they may use his tax status from last year (dependent). If he files today, they may use his new status... single, non...
by BroIceCream
Sat Mar 28, 2020 2:14 pm
Forum: Personal Consumer Issues
Topic: document online printing service
Replies: 5
Views: 311

Re: document online printing service

Staples.com also has a printing service. You can email the docs, or upload online.
I've used it for small orders, and even for large orders for our church events.
by BroIceCream
Fri Mar 27, 2020 3:24 pm
Forum: Personal Consumer Issues
Topic: Chrome warning re: password breach
Replies: 21
Views: 1793

Re: Chrome warning re: Bank of America breach

I ran a check in LastPass to see if it flagged any alerts, as I have an acct at BofA. It did not flag anything.
by BroIceCream
Thu Mar 26, 2020 9:59 pm
Forum: Personal Investments
Topic: Selling a mutual fund and NAV
Replies: 6
Views: 304

Re: Selling a mutual fund and NAV

Why... because it's not worth worrying about. If it's time to buy, buy. +1 As a buy&holder, I really don't care what the price is. If I have cash to buy, I look at my allocation, and whatever is below my target allocation, I buy it (based upon the dollar amount, not a quantity of shares). To me, mu...
by BroIceCream
Thu Mar 26, 2020 1:38 am
Forum: Investing - Theory, News & General
Topic: Rebalancing with Mutual Funds
Replies: 6
Views: 415

Re: Rebalancing with Mutual Funds

You're in a bind. My largest account is an IRA at Fidelity holding Fidelity mutual funds, so I simply do a "sell dollars and use the proceeds to buy another", filling the from, to and amount. Bam...done. Just did it this morning. Can you buy and sell the same day? Yes, that is how the transaction i...
by BroIceCream
Wed Mar 25, 2020 1:34 am
Forum: Personal Consumer Issues
Topic: any recommendations for a program that allows me to show my writing live?
Replies: 19
Views: 971

Re: any recommendations for a program that allows me to show my writing live?

Google docs allows sharing. If you make the document readonly/shared with others - anything you type can be viewed by others with that URL for the document, in real time.
You can even share write access -- helpful for remote "brainstorming" in the same document during a tele-call.
by BroIceCream
Sun Mar 22, 2020 8:05 pm
Forum: Personal Consumer Issues
Topic: Large Flashlight?
Replies: 29
Views: 1650

Re: Large Flashlight?

Actually for attic work, you'll probably want a led lantern to spread light over a wide area and a flashlight for corners, looking in boxes etc. Go over to Harbor Freight they have a nice variety that work well. With our last power outage in CA, we went to Harbor Freight and picked up this Luminar ...
by BroIceCream
Sun Mar 22, 2020 7:56 pm
Forum: Investing - Theory, News & General
Topic: Ultimate Buy and Hold - 8 slices vs 4
Replies: 767
Views: 383115

Re: Ultimate Buy and Hold - 8 slices vs 4

ewildcat wrote:
Sun Mar 22, 2020 1:03 pm
Does anyone have a good TLH partner for EFV? Been doing some research and nothing jumping out. Doesn't need to be perfect, just something in the ballpark.
At Fidelity, I use FIVA
by BroIceCream
Sun Mar 22, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: So what are you cooking
Replies: 148
Views: 7245

Re: So what are you cooking

Omelettes, Chicken Pasta, PB&J
... and a drivethru Shamrock Shake.
by BroIceCream
Wed Mar 11, 2020 2:57 pm
Forum: Personal Investments
Topic: Converting Index fund into ETF
Replies: 16
Views: 871

Re: Converting Index fund into ETF

Wouldn't there be an advantage to convert for TLH/Wash-sale purposes? In a tax-advantaged account you may have regular purchases into a MF. But if you needed to do some rebalancing in a regular account you could balance out of a different ETF and avoid wash-sale complications while the regular payro...
by BroIceCream
Tue Mar 10, 2020 10:06 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Movie Suggestions
Replies: 96
Views: 6131

Re: Coronavirus Movie Suggestions

World War Z
by BroIceCream
Tue Mar 10, 2020 2:19 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing these days
Replies: 17
Views: 1091

Re: Rebalancing these days

As others have noted with having a fixed schedule to rebalance to avoid emotional "timing", I've aligned my "annual rebalancing" date to align with my employer's annual bonus and stock vesting dates when I have a lump of cash to put in the market. This results in my rebalancing activity being just "...
by BroIceCream
Mon Mar 09, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Battery powered lawn mower recommendation
Replies: 71
Views: 2422

Re: Battery powered lawn mower recommendation

I've had a Toro 24v mower for about 15 years. It has worked great. I suspect the newer models that have higher power batteries are better. My batteries last 3-4 years, and cost about $45 to replace. It seems more expensive than gas, but I love the convenience. The mower runs for about an hour, and i...
by BroIceCream
Sun Mar 08, 2020 3:14 pm
Forum: Investing - Theory, News & General
Topic: SCV premium
Replies: 87
Views: 4202

Re: SCV premium

Any Value folks out there ready to throw in the towel to get this going? Anyone willing to sacrifice their Value tilts to the investment Gods? We need capitulation folks. We need the last true believer to throw in the towel. Not me, I’m too stubborn and too patient. Trying to turn my personality qu...
by BroIceCream
Tue Mar 03, 2020 9:32 am
Forum: Personal Consumer Issues
Topic: Home internet uptime monitor
Replies: 27
Views: 1377

Re: Home internet uptime monitor

I had the same symptoms 3 years ago. I replaced my router with a Google Wifi router, and the reliability/uptime improved dramatically.
It is also easy to check intermet status remotely.
by BroIceCream
Sat Feb 29, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage payments with Fidelity as a one stop shop
Replies: 16
Views: 1061

Re: Mortgage payments with Fidelity as a one stop shop

I do #B; Put my payroll savings & mortgage into my Fido CMA; balance goes to BofA bank for other near-term/monthly/daily expenses. Mortgage lender does not see my account number with BillPay. Even if BillPay cuts a paper check and mails it, the "account number" on that Fidelity generated check is no...
by BroIceCream
Sat Feb 29, 2020 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: How quickly did you receive your 2019 tax refund?
Replies: 111
Views: 7932

Re: How quickly did you receive your 2019 tax refund?

Two weeks. TT efiled 2/22; IRS2Go indicates March 4
by BroIceCream
Sat Feb 29, 2020 2:53 pm
Forum: Investing - Theory, News & General
Topic: March "Bogleheads on Investing" podcast guest will be Jim Dahle, the White Coat Investor
Replies: 21
Views: 2770

Re: March "Bogleheads on Investing" podcast guest will be Jim Dahle, the White Coat Investor

For high-income professionals - does he have recommendations on carrying debt, or paying it off as quickly as possible?
  • Home/mortgage
  • Vehicles (transport or recreational)
  • Education Loans
by BroIceCream
Sat Feb 29, 2020 2:48 pm
Forum: Personal Finance (Not Investing)
Topic: Can I tax loss harvest in my HSA?
Replies: 5
Views: 549

Re: Can I tax loss harvest in my HSA?

You won’t get a 1099 showing your gain/loss so try not to trade too much. Bit of a pain to tally it all up. When I was in CA I bought only one fund (S&P500) and never sold. Easy enough to add up 4 dividends. Ditto. I also want to minimize paperwork and tax time calculations, so I only have one TSM ...
by BroIceCream
Thu Feb 27, 2020 2:27 am
Forum: Investing - Theory, News & General
Topic: Merrill vs Fidelity - Where to buy TSM Mutual Fund ?
Replies: 12
Views: 953

Re: Merrill vs Fidelity - Where to buy TSM Mutual Fund ?

I still cant decide should I set up Automatic Investment Plan with mutual fund or buy ETFs manually once my salary get deposited Do you have the option of splitting your direct deposit? My employer supporters multiple destinations for each pay period. . I have a fixed amount ($500) go to my Fido ac...
by BroIceCream
Wed Feb 26, 2020 5:16 pm
Forum: Personal Investments
Topic: What did you learn from the 2/24 sell off?
Replies: 327
Views: 21758

Re: What did you learn from the 2/24 sell off?

I learned that I got lucky. 3 days before, I had an automatic sale of employee stock (ESPP), and had some cash that just settled.
It went right into the market today at [sale] prices.
Whether the market goes up or down, I'm good in the long run.
If I have cash to invest, I invest.
by BroIceCream
Tue Feb 25, 2020 12:17 pm
Forum: Investing - Theory, News & General
Topic: Isn’t this a fantastic time to buy what we believe in?
Replies: 55
Views: 5145

Re: Isn’t this a fantastic time to buy what we believe in?

A week ago, I had no extra cash to invest. Last Thursday, a bunch of my ESPP (employee stock shares) were automatically sold [at a high]. Yesterday, they settled. I'M BUYING today. Not market timing. Just [hopefully] market lucky. Is it possible the stock may get lower, or higher this week? Possibly...
by BroIceCream
Mon Feb 24, 2020 7:06 pm
Forum: Personal Investments
Topic: Hyper Tax Efficient Funds
Replies: 52
Views: 3454

Re: Hyper Tax Efficient Funds

ITOT as similar ER as VTI, but 3yr average gains seem to be less.
by BroIceCream
Sun Feb 23, 2020 8:47 pm
Forum: Personal Investments
Topic: Alternatives to FCNTX [Fidelity Contra Fund]
Replies: 11
Views: 1170

Re: Alternatives to FCNTX [Fidelity Contra Fund]

Any update here. I spent some time looking into this over the weekend and was able to come up with a plan. For the roughly 55k in a Roth IRA I ended up: FZROX 50% FXNAX 25 FSSNX 15 (That's total stock market, bond fund, and small cap thrown in). The remainder in FCNTX (Contra), which I will likely ...
by BroIceCream
Wed Feb 19, 2020 10:38 pm
Forum: Personal Investments
Topic: Paul Merriman "Ultimate buy-and-hold" VS. 3 Fund
Replies: 62
Views: 4953

Re: Paul Merriman "Ultimate buy-and-hold" VS. 3 Fund

Regarding funds in work plan. Not all plans have all asset classes. Fortunately, mine had 4 of them in core offerings, but 3 years ago they added full support for Fidelity BrokerageLink, so I now have access to all mutual funds, ETFs, and even a few applicable Vanguard ones. I've got all the asset c...
by BroIceCream
Mon Feb 17, 2020 9:02 pm
Forum: Personal Investments
Topic: Ultimate Buy and Hold...thoughts?
Replies: 43
Views: 7987

Re: Ultimate Buy and Hold...thoughts?

I don’t follow Merriman’s strategies, but I’ve enjoyed his podcasts and articles for years, and I learned a lot from him. He’s a wonderful gift to the investing community. There’s nothing wacky about his mix of low-cost, buy and hold strategies and if you follow one in that spirit -low cost, buy an...
by BroIceCream
Mon Feb 17, 2020 8:55 pm
Forum: Personal Investments
Topic: Small Cap Value
Replies: 13
Views: 1661

Re: Small Cap Value

Any recommendations for a good tax efficient small cap value index fund to hold in a taxable account? Thanks. I would consider a Total Stock for US which would hold the market weight in small cap stocks. If you would like international, consider Total International which would also hold the market ...
by BroIceCream
Mon Feb 17, 2020 8:52 pm
Forum: Personal Consumer Issues
Topic: Do you think I should get a dedicated Chromebook for my financial accounts?
Replies: 60
Views: 4664

Re: Do you think I should get a dedicated Chromebook for my financial accounts?

I love my Chromebooks for many reasons, including security, but the one problem with Chromebooks for me is that I can´t use the downloadable version of tax software on a Chromebook. .... I refuse to use the web versions of such software. From my own experience with online tax software: I have both ...
by BroIceCream
Sun Feb 16, 2020 11:43 pm
Forum: Personal Investments
Topic: Small Cap Value
Replies: 13
Views: 1661

Re: Small Cap Value

Mario2222 wrote:
Sun Feb 16, 2020 11:18 pm
Any recommendations for a good tax efficient small cap value index fund to hold in a taxable account? Thanks.
For ETF: I use IJS. Also SLYV, VIOV
For MF: VSIAX, FISVX
by BroIceCream
Sun Feb 16, 2020 11:36 pm
Forum: Personal Finance (Not Investing)
Topic: do you check your taxes when using tax software?
Replies: 54
Views: 3583

Re: do you check your taxes when using tax software?

Another example is backdoor Roth. You can transcribe all the numbers correctly but if you make a mistake on a question you might get taxed on your conversion of your nondeductible tIRA. Ditto. I always double check the backdoor Roth, by looking at the Print Preview of the form. The software will ca...
by BroIceCream
Sun Feb 16, 2020 7:04 pm
Forum: Investing - Theory, News & General
Topic: If you used multiple investment strategies, which would you use and why?
Replies: 271
Views: 11167

Re: If you used multiple investment strategies, which would you use and why?

For the purpose of this discussion, I would like to only discuss situations where investors would (or currently do) limit the 3-fund strategy to no more than 50% of their total portfolio. Some of these 'non-3 fund' investment strategies that come to my mind include the Larry Portfolio, strategies t...
by BroIceCream
Sun Feb 16, 2020 4:06 pm
Forum: Personal Investments
Topic: Help Me Break My Love Affair With Fidelity Low Priced Stock
Replies: 93
Views: 12752

Re: Help Me Break My Love Affair With Fidelity Low Priced Stock

I used to have the low-priced stock in my Fido 401K. I have since replaced it with FISVX (small cap value index), at a tenth of the ER. ... I don't know how long ago you sold FLPSX, but I'd be curious to know if you're happy now with that decision. Deep down my gut tells me I need to sell at least ...
by BroIceCream
Sat Feb 15, 2020 10:12 pm
Forum: Personal Consumer Issues
Topic: Dishwasher w/ door side vents?
Replies: 6
Views: 570

Re: Dishwasher w/ door side vents?

Bogle7 wrote:
Sat Feb 15, 2020 9:42 pm
Buy Bosch or Miele.
OP has looked at other brands and have decided due to several factors (ratings, dish capacity, placement, prior experience w/ several brands). Just looking for experience feedback on the side vent.