Search found 336 matches

by the way
Wed Sep 16, 2020 7:51 am
Forum: Personal Finance (Not Investing)
Topic: How to get over finance envy
Replies: 311
Views: 43592

Re: How to get over finance envy

This is the Tenth Commandment. People thousands of years ago already figured out this is morally wrong and harmful to society. Envy can lead to jealousy, judgement, schadenfreude, bitterness, hatred, and other evil thoughts. People who seem to rationalize that their neighbor must be living above the...
by the way
Wed Sep 16, 2020 3:52 am
Forum: Personal Consumer Issues
Topic: Coping with Wildfire smoke
Replies: 103
Views: 5718

Re: Coping with Wildfire smoke

unclescrooge wrote: Tue Sep 15, 2020 10:07 pm The big basin state park in norcal has been completely decimated.
These trees are 1000-2000 years old and have probably been through much worse. btw, they're still around https://abc7news.com/big-basin-redwoods ... e/6387914/
by the way
Sun Sep 13, 2020 6:43 pm
Forum: Personal Investments
Topic: 83(b) election - did I mess up?
Replies: 5
Views: 422

Re: 83(b) election - did I mess up?

Hey all, I bought ISOs from my start up in 2015 and filed and 83(b) election within 30 days. I totally did this part right, and I submitted the 83(b) election with my 2015 taxes.I did not pay taxes on the option price in 2015; somehow I convinced myself that I was supposed to pay when I sold. I Am ...
by the way
Thu Sep 10, 2020 6:05 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting flowchart
Replies: 90
Views: 6154

Re: Tax Loss Harvesting flowchart

I've updated the flowchart to reflect selling the shares you bought in the last 30 days. Please take a look and let me know if it's correct. I think there are still some problems with the new flowchart. Here's what I think it should say: Turn on SpecID Turn off dividend reinvestment for Fund A in a...
by the way
Tue Sep 08, 2020 9:36 pm
Forum: Investing - Theory, News & General
Topic: 3% FDIC insured savings...too good to be true?
Replies: 29
Views: 7761

Re: 3% FDIC insured savings...too good to be true?

If you're close to the $100K limit, skim off interest on the last day of the last quarter, making sure there is enough inflow to offset this skimming. E.g. increase DD to $1250/mo for that quarter (this is why $94K is the max to start with,) then pull $3K out on the last day and return the monthly ...
by the way
Tue Sep 08, 2020 9:27 pm
Forum: Personal Finance (Not Investing)
Topic: House sale quandary - under contract!
Replies: 66
Views: 8554

Re: House sale quandary - got offer from neighbor before agent listed house

I remember a similar thread of selling to a neighbor that did not go well viewtopic.php?f=2&t=281215
by the way
Tue Sep 08, 2020 7:23 pm
Forum: Personal Investments
Topic: Fidelity Short Term Treasury Bond Index - Help me Understand
Replies: 12
Views: 969

Re: Fidelity Short Term Treasury Bond Index - Help me Understand

Are sure you received no payment? Fidelity shows it paid $0.0103 per share on 8/31, which should have been about 56 cents for you. . Where did you find the above information ? For me, I can open the fideity app and search for the fund, click something like “get quote” and you can scroll down to see...
by the way
Sat Sep 05, 2020 2:49 pm
Forum: Forum Issues and Administration
Topic: Bookmarklet to lookup selected word in wiki's abbreviation table
Replies: 33
Views: 1758

Re: Bookmarklet to lookup selected word in wiki's abbreviation table

Maybe try S&P or S&P (for S&P) and P/E (for P/E). If that doesn't work, you can try embedding html directly instead of using anchor, like <span id="P/E"></span> I also noticed anchor takes multiple labels, so we could do something like {{anchor|FAANG|FANG}} for entries which happen to co...
by the way
Fri Sep 04, 2020 4:29 pm
Forum: Forum Issues and Administration
Topic: Bookmarklet to lookup selected word in wiki's abbreviation table
Replies: 33
Views: 1758

Re: Bookmarklet to lookup selected word in wiki's abbreviation table

Thanks! I still see the encoded strings (if you do a view source on the wiki page), so if you entered the / or &, then somehow the wiki must be encoding it when turning the markup into html? You may have to just use PE or SD, etc by itself, or trying escaping the character like "S&P" (not sure if...
by the way
Fri Sep 04, 2020 2:32 pm
Forum: Forum Issues and Administration
Topic: Bookmarklet to lookup selected word in wiki's abbreviation table
Replies: 33
Views: 1758

Re: Bookmarklet to lookup selected word in wiki's abbreviation table

Great summary! I just noticed there are a few threads on this problem just in this subforum alone, including one that's 120 posts long! It included a lot of suggestions for additions to the wiki. btw, I checked the current id tags and the following need to be double-checked. The labels always need t...
by the way
Tue Sep 01, 2020 3:02 pm
Forum: Forum Issues and Administration
Topic: Bookmarklet to lookup selected word in wiki's abbreviation table
Replies: 33
Views: 1758

Re: Bookmarklet to lookup selected word in wiki's abbreviation table

yep, this is useful - and probably safer than having to install a browser extension. (But the one Mark13 described sounded perfect - automatically create a tooltip containing a description for each ticker, without having to popup a window. Too bad it's gone.) btw, in my last post, I changed the link...
by the way
Tue Sep 01, 2020 1:15 pm
Forum: Forum Issues and Administration
Topic: Bookmarklet to lookup selected word in wiki's abbreviation table
Replies: 33
Views: 1758

Re: Bookmarklet to lookup selected word in wiki's abbreviation table

I just noticed https://www.bogleheads.org/wiki/Ticker_symbol_lookup so probably there are several browser extensions of varying levels of sophistication to tackle the ticker issue. So I guess there's no point in reinventing the wheel and we can just make sure our table has any common abbrevs people ...
by the way
Tue Sep 01, 2020 12:09 pm
Forum: Forum Issues and Administration
Topic: Bookmarklet to lookup selected word in wiki's abbreviation table
Replies: 33
Views: 1758

Re: Bookmarklet to lookup selected word in wiki's abbreviation table

yeah, the right-click-to-google is really all anyone needs, so I don't know why people poo-poo the idea whenever it's mentioned. (So I actually don't think this bookmarklet will satisfy anyone either...) However the acronym page does give a simple 1-line explanation, instead of a whole page of googl...
by the way
Mon Aug 31, 2020 1:07 pm
Forum: Personal Investments
Topic: Turning 50
Replies: 9
Views: 1627

Re: Turning 50

raamakoti wrote: Mon Aug 31, 2020 12:46 pm My DOB is 31-Dec-1972,
Can I start contributing to 401k catch up next year because by the end of tax year I will be officially 50. Or do I need wait for another year?
:confused :confused :confused aren't you turning 49 next year?
by the way
Sun Aug 30, 2020 7:36 pm
Forum: Forum Issues and Administration
Topic: Bookmarklet to lookup selected word in wiki's abbreviation table
Replies: 33
Views: 1758

Re: Bookmarklet to lookup selected word in wiki's abbreviation table

yay! that's the right way to do it. I tried it on Firefox, Chrome, and Edge and the bookmarklet works fine for me. However, I just noticed that the id tags are case sensitive. With the Text Fragment, it wasn't. But since this is mainly for acronyms, and works for all browsers, this is a better solut...
by the way
Sun Aug 30, 2020 3:54 pm
Forum: Personal Investments
Topic: Who is liable for this?
Replies: 46
Views: 6254

Re: Who is liable for this?

Can you sell it today? You just need the market to hold up another hour. I agree I would be antsy if this happened to me too. Not sure, the account disappeared from access on Thursday, then I got an email that the account has been closed and is being transferred to Fidelity and they should receive ...
by the way
Fri Aug 28, 2020 1:44 pm
Forum: Personal Investments
Topic: Who is liable for this?
Replies: 46
Views: 6254

Re: Who is liable for this?

Yeah, that was the math I was trying to do also. OP just needed a place to vent because they made a mistake and was hoping someone would agree a computer is dumb. There is no calculation error. I sold the position to cash on August 20th at $83.61. The transaction posted to the cash account on Augus...
by the way
Thu Aug 27, 2020 9:56 pm
Forum: Personal Consumer Issues
Topic: How to Send Email Message to Mobile Phone Number?
Replies: 25
Views: 2221

Re: How to Send Email Message to Mobile Phone Number?

Send a text asking for their e-mail. This. Ditto this "This". ^ Occams razor. The law of economy. When faced with multiple solutions choose the simplest one, odds are it's the most effective or offers the right explanation. Really? So we have 3 people that would send personal info to a random unkno...
by the way
Thu Aug 27, 2020 9:53 pm
Forum: Personal Investments
Topic: Using MD 529 beats taxable even with penalty?
Replies: 28
Views: 1928

Re: Using MD 529 beats taxable even with penalty?

- Increasing the expected real returns from 6% to 8% makes the taxable account win, but I think this is unlikely Am I missing anything here? It makes sense since the penalty is on the gains, while the state tax deduction is on the (initially) larger contributed amounts. E.g. if you ran the example ...
by the way
Thu Aug 27, 2020 9:38 pm
Forum: Personal Investments
Topic: Inherited IRA but I’m in top tax bracket?!?
Replies: 46
Views: 3174

Re: Inherited IRA but I’m in top tax bracket?!?

Did the parent have a spouse? Maybe this would have been the way to go.
by the way
Thu Aug 27, 2020 4:10 pm
Forum: Personal Investments
Topic: Who is liable for this?
Replies: 46
Views: 6254

Re: Who is liable for this?

Sorry this happened to you but you are completely liable. Sounds like a relatively cheap lesson... It wasn't a cheap lesson. The market has moved 2.5% since then and I lost $250. Not a cheap lesson? Want to know what an expensive lesson is? Maintaining an AUM account with Edward Jones for years. Th...
by the way
Thu Aug 27, 2020 4:23 am
Forum: Personal Investments
Topic: Who is liable for this?
Replies: 46
Views: 6254

Re: Who is liable for this?

Now, this goof has cost me several hundred dollars because I just sold $10,100 worth of VTSAX a few days ago and essentially the system has auto purchased it back at a higher cost. If it bought back $10k of VTSAX just at a higher price, you haven't lost anything. You still have $10k of VTSAX. In fa...
by the way
Wed Aug 26, 2020 3:51 am
Forum: Personal Finance (Not Investing)
Topic: Tax reporting of donation of ESPP shares
Replies: 11
Views: 586

Re: Tax reporting of donation of ESPP shares

My guess is yes. If you have a disposition, that will trigger the compensation income taxes. Eg. if you gave your shares to your brother and even if he did not sell, you would owe taxes on the bargain element that year. When the brother sells, he will owe CG taxes on the rest of the gain.
by the way
Tue Aug 25, 2020 2:33 pm
Forum: Forum Issues and Administration
Topic: how to make default font size bigger?
Replies: 13
Views: 2567

Re: how to make default font size bigger?

Chrome lets you edit the CSS locally and save it. If you feel comfortable hacking this, check out this page https://developers.google.com/web/updates/2018/01/devtools#overrides I just followed those directions, edited content.css and changed the postbody tag (at line 271 right now) to .postbody .con...
by the way
Tue Aug 25, 2020 12:48 pm
Forum: Investing - Theory, News & General
Topic: "Bank of XOM versus 'risk-free treasuries'" since 2009
Replies: 59
Views: 5187

Re: "Bank of XOM versus 'risk-free treasuries'" since 2009

Looks like Exxon is being dropped from the DOW 30 after 92 years. Nothing lasts forever I guess.
by the way
Tue Aug 25, 2020 11:56 am
Forum: Forum Issues and Administration
Topic: Bookmarklet to lookup selected word in wiki's abbreviation table
Replies: 33
Views: 1758

Bookmarklet to lookup selected word in wiki's abbreviation table

I have noticed an increasing use of posts with many words that I cannot understand. This makes me worry about new investors who come to this forum for the first time to be confronted with words and abbreviations like these: Your thread got locked, so I can't post this solution there, but this seems...
by the way
Mon Aug 24, 2020 10:44 pm
Forum: Investing - Theory, News & General
Topic: A Plea for Ordinary English
Replies: 128
Views: 9687

Re: A Plea for Ordinary English

houseofnine wrote: Mon Aug 24, 2020 10:29 pm I still have no idea what DW stands for, and I’m guessing it isn’t technical.
"dishwasher" according to https://www.dictionary.com/browse/dw :wink:
by the way
Mon Aug 24, 2020 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Marcus Offering 1.1% No-Penalty CD to AARP Members
Replies: 50
Views: 4998

Re: Marcus Offering 1.1% No-Penalty CD to AARP Members

Here's the link in case anyone has trouble finding it https://www.marcus.com/us/en/savings/aarp-npcd

The magazine comes every other month and I read most of the articles + the small puzzle page in the back.
by the way
Sat Aug 22, 2020 6:33 pm
Forum: Personal Investments
Topic: Calculation Question
Replies: 18
Views: 1355

Re: Calculation Question

If you just want account growth, and if you count contributions as growth, then
growth = (end-start)/start = 4000/1000 = 400%

If you don't count contributions in the growth, then
growth = (end-start-contributions)/(start+contributions) = 1000/4000 = 25%

(edited to make wording better!)
by the way
Sat Aug 22, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: How to Send Email Message to Mobile Phone Number?
Replies: 25
Views: 2221

Re: How to Send Email Message to Mobile Phone Number?

The email letter that I sent to homeowners with email addresses is about 3 pages long in 12 point type. If were to send that email to my smartphone and then enter the telephone number of someone with a mobile phone, what is the likelihood they will receive it? Will it be too long? If you already se...
by the way
Sat Aug 22, 2020 3:25 pm
Forum: Personal Investments
Topic: Is it Possible to Calculate Annualized Return on Investment (ROI) on Average Cost Stock Sales?
Replies: 10
Views: 593

Re: Is it Possible to Calculate Annualized Return on Investment (ROI) on Average Cost Stock Sales?

With only the initial and final value, that'll just give you simple ROI. If you want annualized rate of return, use =XIRR and supply dates. I can't calculate ROI on an average cost sale because I don't have a purchase date since it is "various". From what I understand now, I'd have to look up every...
by the way
Thu Aug 20, 2020 1:53 am
Forum: Personal Investments
Topic: Appl split
Replies: 10
Views: 1434

Re: Appl split

I'm not going to lie, if the cap gains tax changes to account for inflation, my AAPL position will be reduced to a "normal" level. This would have a very small effect on your CG taxes. The inflation adjustment would be to the basis. If your AAPL is up 10x (for example), then it's 10% basis and 90% ...
by the way
Thu Aug 20, 2020 1:17 am
Forum: Personal Investments
Topic: Is it Possible to Calculate Annualized Return on Investment (ROI) on Average Cost Stock Sales?
Replies: 10
Views: 593

Re: Is it Possible to Calculate Annualized Return on Investment (ROI) on Average Cost Stock Sales?

With only the initial and final value, that'll just give you simple ROI. If you want annualized rate of return, use =XIRR and supply dates.
by the way
Wed Aug 19, 2020 7:14 pm
Forum: Personal Investments
Topic: Appl split
Replies: 10
Views: 1434

Re: Appl split

I'm not going to lie, if the cap gains tax changes to account for inflation, my AAPL position will be reduced to a "normal" level. This would have a very small effect on your CG taxes. The inflation adjustment would be to the basis. If your AAPL is up 10x (for example), then it's 10% basis and 90% ...
by the way
Wed Aug 19, 2020 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating a Tax Penalty (applying the formula)
Replies: 1
Views: 181

Re: Calculating a Tax Penalty (applying the formula)

Here's Virginia's https://www.tax.virginia.gov/penalties-and-interest $531 x .06 x number_of_months but see bullet 4 of https://www.tax.virginia.gov/sites/default/files/inline-files/virginia-tax-penalty-interest-updates.pdf If the required payment is not submitted by June 1, the penalty waiver will...
by the way
Tue Aug 18, 2020 2:20 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank Horror Story: Is this right?
Replies: 107
Views: 7993

Re: Ally Bank Horror Story: Is this right?

One benefit of this is that your account number is not shown on the check. At least that's how it is with BofA.
by the way
Mon Aug 17, 2020 11:51 am
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9164

Re: Terrible experience with Ally bank- buyer beware

Wow-these are great ideas. I did not think of a cash advance. I actually sold $30K stocks in my brokerage account before I learned that the money won't come to my account for three days! I was worried about long lines at my local Wells Fargo but the customer service from the manager was completely ...
by the way
Mon Aug 17, 2020 12:11 am
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9164

Re: Terrible experience with Ally bank- buyer beware

There are many people whose needs are minimal...until they are not. If you are healthy today does that mean you don’t need a good doctor ? But you can go to any doc and say “i had no problem”. Edge cases test what is really there when you need it. I don’t use Ally, but to me the ability to make pay...
by the way
Sun Aug 16, 2020 11:46 pm
Forum: Personal Consumer Issues
Topic: USPS shipping: Caveat Emptor
Replies: 79
Views: 4705

Re: USPS shipping: Caveat Emptor

An 8/14 Reuters article reported that the New Postmaster General ordered operational changes and a clampdown on overtime to address USPS financial issues. Changes include scaled back retail hours and orders for delivery trucks to leave on time even if mail still being loaded. This has led to delays...
by the way
Sat Aug 15, 2020 9:12 pm
Forum: Personal Investments
Topic: Yet another wash sale question: One bite of the apple?
Replies: 8
Views: 810

Re: Yet another wash sale question: One bite of the apple?

I agree the whitepaper kind of screwed up the dates in their example and made their reasoning unclear. But in the end it's not what the whitepaper says, but how your broker reports these covered shares. Maybe it's only their interpretation, but it'll be that much harder for you to claim a loss if th...
by the way
Sat Aug 15, 2020 9:02 pm
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9164

Re: Terrible experience with Ally bank- buyer beware

On the very rare occasions when I have felt the need or desire to do wire transfers, I have ACHed the funds from Ally to my BoA account, with a brick and mortar branch less than mile from my home which has handled them very expeditiously and for free. (They treat me like royalty there due to Platin...
by the way
Sat Aug 15, 2020 6:51 pm
Forum: Personal Investments
Topic: Terrible experience with Ally bank- buyer beware
Replies: 144
Views: 9164

Re: Terrible experience with Ally bank- buyer beware

I have never understood why so many bogleheads use Ally Bank. I would never deposit my funds into an online bank with no brick and mortar locations within an hour's drive of my home. Do bogleheads think of Ally as "the Vanguard of banks"? If so, why? Ally Bank is FDIC insured and offers a substanti...
by the way
Fri Aug 14, 2020 10:53 pm
Forum: Personal Investments
Topic: Scenario: Roth IRA Taxes
Replies: 28
Views: 1702

Re: Scenario: Roth IRA Taxes

I disagree with the regulars who posted on this thread that this is a no-brainer or that your question was ill-formed. When you bump against the 22% bracket, which is also in the vicinity of the end of the 0% LTCG/QDiv, the tax effect is not so simple. Please note that at my suggestion the OP edite...
by the way
Fri Aug 14, 2020 8:09 pm
Forum: Personal Investments
Topic: Scenario: Roth IRA Taxes
Replies: 28
Views: 1702

Re: Scenario: Roth IRA Taxes

Is there a way to easily determine the exact amount paid in fed/state taxes on the roths? Certainly the easiest way is just to use some tax software and subtract 12k from your income to see how much your taxes drop by. I disagree with the regulars who posted on this thread that this is a no-brainer...
by the way
Fri Aug 14, 2020 12:31 pm
Forum: Personal Investments
Topic: Fidelity Brokerage Account Good Faith Violation - How Serious?
Replies: 15
Views: 2583

Re: Fidelity Brokerage Account Good Faith Violation - How Serious?

Why do I want 300 shares and not just 200?: I feel that I might be able to accomplish my dreams of a small home in So. Cal AND purchase a nice SPIA annuity beginning in 10 to 12 years with the sales of 300 shares invested long term in TSLA, versus just 200 shares. And you think 100 shares more is g...
by the way
Fri Aug 14, 2020 12:26 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2397
Views: 399002

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Here is another Interactive Brokers offer. Sign up for an IB account through stockbrokers.com and your "margin rate charged for loans up to USD 100,000 will be equal to the rate for loans of USD 100,000.01 to USD 1,000,000." Strange wording imo, since a loan of $100,001 would have a margin rate at ...
by the way
Fri Aug 14, 2020 12:24 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2397
Views: 399002

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Thank you for your patience and I have received a response from our Promotions Department regarding the promotion you asked for. They advised that your state is not a state that is eligible for this promotion. To receive this promotion a client must meet these requirements: - Have a TD Bank account...
by the way
Mon Aug 10, 2020 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse got a job, now have 2 HSAs
Replies: 25
Views: 1559

Re: Spouse got a job, now have 2 HSAs

There are 2 different questions going on, so the answers are getting mixed. The accounts are individually owned. The $7,100 is total for both. You can split that 100/0, 0/100, 50/50, 30/70 etc. Any which way. No, if both are on individual plans, then you can't go 100/0 or 0/100, only 50/50 if maxed ...
by the way
Mon Aug 10, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Spouse got a job, now have 2 HSAs
Replies: 25
Views: 1559

Re: Spouse got a job, now have 2 HSAs

If it's two individual plans, then you must have separate HSAs subject to the individual limit. You can't overfund one and underfund the other either. For the last question, there is a family limit between spouses, so you can't exceed that even if you have one family coverage and one individual. (Th...