Search found 3815 matches

by goingup
Wed Jul 01, 2020 1:54 pm
Forum: Personal Investments
Topic: Vanguard statements missing
Replies: 16
Views: 657

Re: Vanguard statements missing

My rollover, Roth, and taxable are all in my name, but Roth and taxable are a combined statement. Strange. Is the Rollover IRA still a mutual fund account instead of a brokerage account? Is there an "Upgrade" link near the account title? If yes, then it's a mutual fund account. Regards, It is a bro...
by goingup
Tue Jun 30, 2020 3:52 pm
Forum: Investing - Theory, News & General
Topic: Expense ratio
Replies: 20
Views: 1166

Re: Expense ratio

Brooks wrote:
Tue Jun 30, 2020 2:29 pm
But if you are working with returns, can't the argument be made that fees can be ignored since they are already in the returns?
“Fund performance comes and goes. Costs go on forever.”
— John C. Bogle
by goingup
Mon Jun 29, 2020 2:07 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off car loan?
Replies: 10
Views: 947

Re: Pay off car loan?

I'd pay it off. The only reason to keep it would be you wanted to maintain that $29K of liquidity, or you had something that was returning better than 4.24%. Otherwise, pay it off.

It's liberating to not have monthly installment loans such as car or home. :beer
by goingup
Sun Jun 28, 2020 7:49 pm
Forum: Personal Investments
Topic: Investing in VWALX and VWIUX in our regular investment accounts
Replies: 6
Views: 554

Re: Investing in VWALX and VWIUX in our regular investment accounts

The taxes on dividends of a $5K investment will be minimal. Suppose the dividend is 1.5%. That’s $75 per year. What’s CA’s income tax rate—10%? You’ll owe $7.50. If your $5K investment increases 5% and you sell, you’ll owe capital gains tax on $250. I’m not a tax expert but my point is that tax cons...
by goingup
Sun Jun 28, 2020 11:16 am
Forum: Investing - Theory, News & General
Topic: What famous investing quote reminds you of your investing style?
Replies: 135
Views: 5969

Re: What famous investing quote reminds you of your investing style?

I like to think my style hews a course close to what Jack Bogle would suggest. So I'm partial to all of his utterances. :D

"Invest we must" is my favorite.
by goingup
Sun Jun 28, 2020 11:11 am
Forum: Personal Finance (Not Investing)
Topic: Annual Credit Report - what good is it?
Replies: 11
Views: 643

Re: Annual Credit Report - what good is it?

I pull a credit report for each of us a few times a year. I do it to see that no new accounts have been opened in our names. It's a visual check to see that nothing is amiss. I find that useful.
by goingup
Sun Jun 28, 2020 11:07 am
Forum: Personal Finance (Not Investing)
Topic: Don’t Just Do Something, Stand There?!?!?
Replies: 11
Views: 2022

Re: Don’t Just Do Something, Stand There?!?!?

Don't use your Roth to pay off the mortgage. Not wise. You could explore refinancing. Not sure how much your employment status will affect that effort, but it's worth looking into. You could also spend time reevaluating your insurance policies to see if you could save money there. As well as other h...
by goingup
Sun Jun 28, 2020 10:50 am
Forum: Personal Investments
Topic: I want to leave Raymond James -- Please help me decide where to go.
Replies: 57
Views: 2539

Re: I want to leave Raymond James -- Please help me decide where to go.

Choose either Fidelity or Vanguard. Sounds like you're leaning Fidelity, which seems a good choice for you. Fidelity doesn't charge purchase fees for those ETFs. Call Fidelity and have them transfer the ETFs "in kind" from RJ. (You could also take a recent RJ statement and walk into a branch. Just b...
by goingup
Sun Jun 28, 2020 10:32 am
Forum: Personal Investments
Topic: Money I may need 4-5 years from now.
Replies: 18
Views: 1019

Re: Money I may need 4-5 years from now.

The treatment of the home sale proceeds really depends on your whole financial picture. Is all of this money required to buy a home? Will you need only part of it for a downpayment in 4-5 years? I'd start by making some estimates. If you're netting $200K from your home sale and expect to need $100K ...
by goingup
Tue Jun 23, 2020 3:16 pm
Forum: Personal Investments
Topic: Preparing for Tax Loss Harvesting...
Replies: 25
Views: 1163

Re: Preparing for Tax Loss Harvesting...

I wouldn't do what you propose to harvest $1500 - $3000. You have 8 accounts you'll have to adjust (stop contributing and turn off div reinvest) and none of those are 401Ks. Personally, if I had your portfolio of that many mirrored accounts I would forego TLH altogether. It's just a tax tool and if ...
by goingup
Mon Jun 22, 2020 5:59 pm
Forum: Personal Investments
Topic: Preparing for Tax Loss Harvesting...
Replies: 25
Views: 1163

Re: Preparing for Tax Loss Harvesting...

I have to ask. How much are you harvesting? Is it worth it to disrupt your entire investing plan? We have different funds in our taxable account than tax-advantaged. That makes it somewhat easier to execute a TLH. Also, I only want to harvest occasional large losses in order to not own a bunch of fu...
by goingup
Thu Jun 18, 2020 5:21 pm
Forum: Personal Consumer Issues
Topic: Sellers agent not letting me view property without preapproval or "proof of finances"
Replies: 189
Views: 10371

Re: Sellers agent not letting me view property without preapproval or "proof of finances"

A preapproval letter was a suggested thing when we were house hunting a few years ago. Got one from a mortgage broker to whom we provided financial info. It basically said “these buyers are qualified to purchase a home up to (fill in the blank). It lets the seller know you’re qualified. Especially n...
by goingup
Sun Jun 07, 2020 11:41 am
Forum: Personal Consumer Issues
Topic: Do you feel safe going to a hair salon or barber shop?
Replies: 32
Views: 1650

Re: Do you feel safe going to a hair salon or barber shop?

Got one yesterday. Felt great since hadn't a proper cut since March.
by goingup
Sat Jun 06, 2020 9:16 am
Forum: Investing - Theory, News & General
Topic: Anyone not bother with Tax Loss Harvesting?
Replies: 116
Views: 7188

Re: Anyone not bother with Tax Loss Harvesting?

I don't. Fear of screw ups + eventually paying taxes anyways. I don't doubt it would overall save money, but my back of the napkin calculator didn't yield a high enough benefit to effort ratio. But this thread has inspired me to look at again. I'll definitely need to turn off automatic reinvesting ...
by goingup
Fri Jun 05, 2020 8:15 am
Forum: Personal Investments
Topic: Considering Replacing Wellington
Replies: 16
Views: 2171

Re: Considering Replacing Wellington

I can't speak to preparing for unexpected inflation and holding Wellington. I will say that Wellington has surprised me this YTD with its underperformance compared to Balanced Index, LifeStrategy Moderate Growth, STAR fund and American Funds Balanced Index. Wellington is down about 3% and the others...
by goingup
Thu Jun 04, 2020 1:26 pm
Forum: Personal Investments
Topic: VG Digital Advisor vs LifeStrategy Fund in Taxable
Replies: 17
Views: 958

Re: VG Digital Advisor vs LifeStrategy Fund in Taxable

My goal is to NOT have to rebalance the funds myself. I want to "forget" about my investments to a large degree going forward. Rebalancing is kinda oversold on this forum. Jack Bogle didn't spend a lot of time discussing rebalancing. He said he didn't subscribe to "slavish" rebalancing. Bill (Dr. W...
by goingup
Thu Jun 04, 2020 8:30 am
Forum: Personal Investments
Topic: VG Digital Advisor vs LifeStrategy Fund in Taxable
Replies: 17
Views: 958

Re: VG Digital Advisor vs LifeStrategy Fund in Taxable

My goal is to NOT have to rebalance the funds myself. I want to "forget" about my investments to a large degree going forward. Rebalancing is kinda oversold on this forum. Jack Bogle didn't spend a lot of time discussing rebalancing. He said he didn't subscribe to "slavish" rebalancing. Bill (Dr. W...
by goingup
Tue Jun 02, 2020 9:56 am
Forum: Investing - Theory, News & General
Topic: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used [vs. lump sum]
Replies: 751
Views: 32710

Re: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used

There used to be a poster who made a huge deal about the distinction between "periodic investing" (via 401K, 403B) and "dollar-cost averaging" (parsing a lump-sum into the market). Obviously nearly everyone uses periodic investing via their workplace plan. Dollar cost averaging applies to the decisi...
by goingup
Mon Jun 01, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: Selling a house - should it be staged or left empty?
Replies: 48
Views: 4192

Re: Selling a house - should it be staged or left empty?

Our staged house sold this month--full price offer in a day. We bought this home fully staged. So...I vote for staging! Our realtor included it, and basically didn't even really ask us if we wanted it. Staging helps sell the home and she's a top producer.
by goingup
Sun May 31, 2020 9:31 am
Forum: Personal Finance (Not Investing)
Topic: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.
Replies: 70
Views: 6227

Re: Fraudulent charges... Getting really tired of the number of times this happens and resulting hassle.

It happens to our BOA CC nearly every year. The bank notifies us that there's been a breach, and they've canceled the card and a new one is on the way. It's a hassle if you have recurring payments set up. I like the idea of 3 cards. One in the wild. One recurring payments. One back-up. I have alerts...
by goingup
Sat May 30, 2020 1:20 pm
Forum: Investing - Theory, News & General
Topic: Effect of being out of the market
Replies: 21
Views: 1691

Re: Effect of being out of the market

I used this example with regards to tax loss harvesting with a friend. It's an example of what can happen if you want to tax loss harvest, but instead of buying a similar/not identical fund, you choose to wait the 30 days to buy back the fund you sold (assume no dividends received 30 days before or...
by goingup
Fri May 29, 2020 5:05 pm
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10749

Re: Is Vanguard's Personal Advisor Service Worth It???

...I don't think PAS provides any special sauce in terms of portfolio construction. Seems like a Target Fund would work just as well. What PAS does provide is a low cost solution for investors who want extra help and guidance. This may or may not be seen as "special sauce", depending whether you th...
by goingup
Fri May 29, 2020 8:22 am
Forum: Personal Investments
Topic: If not 3 fund, whats your strategy ?
Replies: 66
Views: 4353

Re: If not 3 fund, whats your strategy ?

I don't think fund selection is strategy really. Our goal: accrue wealth, pay off debt, retire early. The strategy: Save a ton every year, invest in mostly equities, use automation. Broad-based total market index funds are the vehicle. It doesn't matter as much about the funds you choose, provided y...
by goingup
Fri May 29, 2020 7:59 am
Forum: Personal Investments
Topic: Is Vanguard's Personal Advisor Service Worth It???
Replies: 138
Views: 10749

Re: Is Vanguard's Personal Advisor Service Worth It???

I don't use PAS but have read enough threads on the forum to observe that it's a good fit for the following situations: *Transitioning from a managed account (Ed Jones, Raymond James, etc) to low cost broker (Vanguard) *Providing guidance for widowed spouse with little interest in investing *Taking ...
by goingup
Thu May 28, 2020 2:02 pm
Forum: Personal Investments
Topic: How to move forward from here..portfolio evaluation
Replies: 4
Views: 426

Re: How to move forward from here..portfolio evaluation

My thinking is that whereas the VTSAX Total Stock Market Index Fund covers the entire US market, this time around the total market may never recover completely in the long term( which isnt that long for me in all likelihood), therefore i might be smarter to reinvest it in some proportions in the S&...
by goingup
Thu May 28, 2020 10:47 am
Forum: Investing - Theory, News & General
Topic: Anyone screwed up timing the market?
Replies: 94
Views: 8592

Re: Anyone screwed up timing the market?

I should have tax loss harvested more. It is very difficult for me to sell and create additional fund partners. It's a real hang-up. Could have harvested 15K in small cap losses but where to go with that? Did manage to harvest international, but it's a well-trodden path between VFWAX and VTIAX. I va...
by goingup
Thu May 28, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 3074
Views: 536137

Re: What are you up YTD? [Year To Date]

Down about 5.5% on a 60/40 ish portfolio. International, small cap, and REIT are dragging things down a bit. Muni bonds (int and short) and cash holdings haven't buoyed things much. It's all good though. Good enough, I should say. :wink:
by goingup
Wed May 27, 2020 7:25 pm
Forum: Personal Finance (Not Investing)
Topic: How Will Corona Virus affect the Real Estate Market ?
Replies: 53
Views: 5757

Re: How Will Corona Virus affect the Real Estate Market ?

Listed our home in greater Seattle this month and sold over list in a day. No contingencies.
by goingup
Wed May 27, 2020 10:15 am
Forum: Personal Investments
Topic: What Funds-no more than 3- would you use in retirement.
Replies: 11
Views: 1179

Re: What Funds-no more than 3- would you use in retirement.

Someone named antiqueman might feel simpatico with one of the venerable W funds. The 40 year old Wellesley fund is roughly 40% stocks. You could take the dividends and capital gain distributions in cash, which would likely exceed 3% per year. You might benefit from choosing just one fund and try not...
by goingup
Wed May 27, 2020 8:45 am
Forum: Investing - Theory, News & General
Topic: “WHEN YOU'VE WON the game, stop playing with the money you really need.”
Replies: 233
Views: 19275

Re: “WHEN YOU'VE WON the game, stop playing with the money you really need.”

William Bernstein is fond of saying “WHEN YOU'VE WON the game, stop playing with the money you really need.” For example: If you need $30,000 a year for 30 years you should have $900,000 in safe money. My question is where do you put this safe money if it is in a IRA and don't want to play with it?...
by goingup
Tue May 26, 2020 1:39 pm
Forum: Personal Investments
Topic: Capital gain conundrum
Replies: 10
Views: 1130

Re: Capital gain conundrum

Were you able to do any TLHing earlier this year? If so you can pair the realized losses with the realized gains. It's one reason why I bank losses even if there is no immediate need.
by goingup
Mon May 25, 2020 1:19 pm
Forum: Investing - Theory, News & General
Topic: ASSET Allocation
Replies: 11
Views: 764

Re: ASSET Allocation

nanameg, this Vanguard web page https://personal.vanguard.com/us/insights/saving-investing/model-portfolio-allocations shows about the same worst loss as your numbers. The same worst loss numbers are shown on another Vanguard web page, https://investor.vanguard.com/investing/how-to-invest/investmen...
by goingup
Mon May 25, 2020 10:03 am
Forum: Personal Investments
Topic: Dollar Cost Averaging - How long?
Replies: 14
Views: 1273

Re: Dollar Cost Averaging - How long?

I am sitting on a lot of cash (7 figures) that I want to get back into my asset allocation via dollar cost averaging. Why are you sitting on a lot of cash? The answer to that can guide your next step forward. If you sold a house/business or inherited 7 figures and already have an AA, then I'd say p...
by goingup
Fri May 22, 2020 10:10 am
Forum: Personal Finance (Not Investing)
Topic: Renting house to in-laws
Replies: 22
Views: 1665

Re: Renting house to in-laws

If you do rent to them it would be good to discuss all expectations from both parties to assure a continued good relationship. I recall a forum thread years ago where a poster had rented to his in-laws with the condition that grandparents would also perform so many hours of babysitting. You can see ...
by goingup
Thu May 21, 2020 9:38 am
Forum: Personal Investments
Topic: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call
Replies: 95
Views: 11743

Re: Moved all Retirement Plans to Cash Last Wed Based on Tepper's Call

Does anyone "rebalance" the way I do? Default 80/20. Then at every 10% down I go 5% more into stocks. At -10% I'm at 85/15 At -20% I'm at 90/10 At -30% I'm at 95/5 At -40% I'm at 100/0 I then ride the wave back up to the all time high, when I go back to 80/20. It's written in my IPS. This morning I...
by goingup
Tue May 19, 2020 7:54 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6787

Re: Discarding Music CDs

badbreath wrote:
Tue May 19, 2020 7:47 pm
sell your CDs to declutter.com you won't get much but something
I'd love to sell our old CDs somewhere. I don't think declutter.com is an active website anymore. Any other suggestions?
by goingup
Tue May 19, 2020 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Contemplating expensive house purchase during pandemic
Replies: 41
Views: 4003

Re: Contemplating expensive house purchase during pandemic

I'd vote for renting the 3 bedroom. There's a pretty good chance the Covid situation will affect the housing market. Housing is always cyclical--boom turns to bust (or at least not-so-boom). Seems like a prudent, even shrewd, move to rent for at least another year. Rent in the area you ultimately wa...
by goingup
Mon May 18, 2020 9:44 am
Forum: Investing - Theory, News & General
Topic: Dividend vs Total Return question
Replies: 66
Views: 2894

Re: Dividend vs Total Return question

hoops- Why not just buy the SCHD fund which you have been eyeing for months? In April you wrote: "I HEREBY DECREE BY THE POWER INVESTED IN ME BY MY OWN DELUSIONS TO MAKE THIS THE LAST DIVIDEND THREAD EVER RECORDED ON THIS SITE. THANK YOU. I have seen both viewpoints over and over and over and over a...
by goingup
Mon May 18, 2020 7:46 am
Forum: Personal Investments
Topic: Trouble adding funds to Vanguard account
Replies: 8
Views: 557

Re: Trouble adding funds to Vanguard account

Are you "pulling" the money into Vanguard? I always do it this way rather than "push" from our linked bank account.

Might require a call to Vanguard. I haven't heard of the problem you're describing. :confused
by goingup
Sun May 17, 2020 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Understanding how Real Estate Cap Gains affects ACA subsidy
Replies: 2
Views: 168

Re: Understanding how Real Estate Cap Gains affects ACA subsidy

I think it wouldn't be included in your MAGI which is what ACA eligibility is based on https://ttlc.intuit.com/community/tax-credits-deductions/discussion/does-capital-gains-from-a-sale-of-a-house-count-toward-magi-relative-to-the-affordable-care-act/00/598737 Thanks! That's the answer I hoped for.
by goingup
Sun May 17, 2020 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Understanding how Real Estate Cap Gains affects ACA subsidy
Replies: 2
Views: 168

Understanding how Real Estate Cap Gains affects ACA subsidy

Hi Bogleheads- We sold our house in WA state and are moving to CA, where health care premiums are dramatically more expensive. I'd like to understand how Cap Gains on the house sale will affect the subsidy when signing up for Covered CA (The ACA program in California). The house sold for $850K, and ...
by goingup
Wed May 13, 2020 8:17 am
Forum: Personal Investments
Topic: radical AA changes; where to put the proceeds?
Replies: 6
Views: 391

Re: radical AA changes; where to put the proceeds?

I'm not one for radical moves but I understand the sentiment to end the volatility and preserve your nest egg. Jettisoning all stocks and current bond funds seems...well... pretty radical for someone who has stayed so equity-heavy into their mid-70s. Will you feel relief or regret and start tinkerin...
by goingup
Wed May 13, 2020 7:42 am
Forum: Personal Consumer Issues
Topic: Is anyone on the road?
Replies: 35
Views: 4081

Re: Is anyone on the road?

We returned to Washington state after a trip last week to CA. We're moving to CA and rehabbing a home there prior to moving. The roads are pretty clear, though getting busier. Gas stations and hotels near the freeways are open. Ditto for fast food. We ordered take out or had food delivered to hotels...
by goingup
Sat Apr 25, 2020 8:55 am
Forum: Personal Investments
Topic: Future 401k Contributions
Replies: 9
Views: 726

Re: Future 401k Contributions

One of the best things about automated 401K contributions is the consistent purchasing of funds over time, regardless of market conditions. Once it's set up there are no decisions to be made. The returns of our 401Ks were always better than our taxable accounts because in 401Ks we were always fully ...
by goingup
Sat Apr 18, 2020 10:15 am
Forum: Investing - Theory, News & General
Topic: Switching from Bond funds to CD ladder
Replies: 26
Views: 1879

Re: Switching from Bond funds to CD ladder

CDs are too fussy for my taste. We have a tiny 5 year ladder. Every year I have to ponder about renewing a rung, and have a small window to decide. The only benefit is the "otherness" factor. If Vanguard locked our account and I needed $25K I could get it relatively quickly. I like the liquidity of ...
by goingup
Fri Apr 17, 2020 10:33 am
Forum: Personal Finance (Not Investing)
Topic: IRS Get My Payment up and running
Replies: 369
Views: 24995

Re: IRS Get My Payment up and running

Not going well for me. Payment Status Not Available. I thought I'd doublecheck to make sure our CPA filed my taxes. The IRA cannot verify my cell phone number is associated with my provider so that derailed my account verification. Not sure what my next step is at this point. :confused
by goingup
Fri Apr 10, 2020 4:57 pm
Forum: Investing - Theory, News & General
Topic: How not to reinvest dividends in tax-advantaged accounts?
Replies: 7
Views: 900

Re: How not to reinvest dividends in tax-advantaged accounts?

My question has to do with taking the dividends and gains from my tax advantaged accounts (apparently if you have dividends in these accounts which 'buy' shares in an account similar to one in your taxable account you could still run afoul of the wash sale rule). Not quite right. Similar funds will...
by goingup
Fri Apr 10, 2020 2:25 pm
Forum: Personal Investments
Topic: Follow Bernstein or Bogle
Replies: 99
Views: 7416

Re: Follow Bernstein or Bogle

Bogle seems to think the market is something to participate in forever. Bernstein does not. How can both be right? Unless it’s simply a matter of “ taste”...of personal preference. But Bernstein does not appear to think it is a case of “ taste” ...I saw a very recent utube of him with Ben Carson wh...
by goingup
Fri Apr 10, 2020 10:59 am
Forum: Personal Investments
Topic: Follow Bernstein or Bogle
Replies: 99
Views: 7416

Re: Follow Bernstein or Bogle

Bogle seems to think the market is something to participate in forever. Bernstein does not. How can both be right? Unless it’s simply a matter of “ taste”...of personal preference. But Bernstein does not appear to think it is a case of “ taste” ...I saw a very recent utube of him with Ben Carson wh...
by goingup
Tue Apr 07, 2020 11:49 am
Forum: Personal Investments
Topic: Tips on how to stop checking finances too often?
Replies: 29
Views: 1405

Re: Tips on how to stop checking finances too often?

Any thoughts, insights, tips, etc? I think your intuition on this is correct. It's been recommended by some experts (Jack Bogle, Larry Swedroe) not to check your portfolio balances constantly. Larry, in particular, has written about the financial behavioral foible called Myopic Loss Aversion https:...