Bogleheads.org

dyangu

The new fixed rate on i-bonds as of Nov 2018 is 0.5%, and 5 year TIPS is about 1% real yield. Which is better, assuming TIPS would be held in taxable?

dyangu

And remember that if you were in the AMT, we were not deducting real estate taxes anyway so you may not notice a big difference this year. Try running some projections with some of the online tax projection programs to see what you're in for. This is an important point. In high tax states like NY a...

dyangu

How do I pull money out of NWFCU and do I need to do it by a certain date to ensure it doesn’t roll into a new CD?

dyangu

Muni mm went from a no brainer at 1.55% yield to 1.03% now which doesn’t make sense at my bracket. I switched to prime. I look at the extra yield as free money. Yes, but the point is that the muni MM yields seem to be cyclical, and it looks like we are at the bottom of the trough of the cycle, and ...

dyangu

May 29 is 529 day. There are a few promotions happening right now:
https://www.savingforcollege.com/articl ... avings-day

I'll be taking advantage of California's ScholarShare 529 Day Match Promotion

dyangu

You need to file an amended return. There will not be a penalty since you don’t owe taxes. Next year, try TurboTax or something. I don’t understand why anyone would file by hand when tax software is so much better at doing the calculations. You can still review how they fill out the form, so it’s no...

dyangu

The Colorado Stable Value rate has been going down while interest rate has gone up. I've been using it as a high interest savings account (I don't have kids yet), and the new 2.29% rate is still a bit higher than savings accounts, but I think I'm going to take my money elsewhere soon.

dyangu

With some of the 2016 numbers out, it seems yet again iShares foreign funds are more tax efficient than the Vanguard equivalent. Higher % qualified dividend and higher foreign tax paid. Now I just need a "correction" in the market to tax loss harvest and swap my Vanguard funds for iShares. https://a...

dyangu

I don't see the point of holding this fund at all. There are many ways to get a better yield guaranteed. Why would you risk your money for a laughable 0.7%?

dyangu

What's the point of buying short term international bonds? Wouldn't a CD at 1-2% be guaranteed to do better?

dyangu

I am in disbelief. I consider myself a frugal person but I cannot imagine anyone using an iPhone 4 today. That was a terrible phone. The 5s is probably good for a few more years but if you use a 6 for a few days you'll never go back to the 5s. Are you seriously not willing to spend more than $30/yr ...

dyangu

I think it's reasonable to put a small amount in these alternative investments since they are less correlated with other asset classes (closest is probably junk bonds but even that correlation is pretty low). I would only do it in an IRA though, and lending club has a $5k minimum for that. They do h...

dyangu

Don't forget to figure out your stock option exercise and AMT situation. It would have been much easier if you had exercised earlier, but now you have to pay a lot of AMT.
Given that it's close to end of the year, you can exercise half this year and half next year to reduce the pain.

dyangu

Where did you get the $300 savings offer? I've only seen $200 for savings and $300 for checking.

dyangu

I bought some shares and sold them within 30 days as part of my tax loss harvesting. I made sure to include all the tax lots that were acquired within 30 days as part of the sell, but Fidelity is still reporting this as a wash sale. Is this expected? The wiki https://www.bogleheads.org/wiki/Wash_sal...

dyangu

If you don't like T-Mobile's coverage, Cricket Wireless (owned by AT&T) has the best family plan: https://www.cricketwireless.com/5for100 You can get 4 or 5 lines for $100 total, and each line gets 2.5 Gb, not shared. You can upgrade the data on each line individually. PM me if you want a $25 referr...

dyangu

The equity sounds terrible. What's the valuation of the company right now? I've seen companies in the $100m range offering engineers 0.25%. Depending on the position, there might not be as much room to negotiate on the salary side, so at least get some lottery tickets. It doesn't really cost the com...

dyangu

This might be exactly what you are looking for http://techcrunch.com/2015/08/05/futureadvisors-futuregift-removes-the-awkwardness-of-giving-kids-cash-for-college/ FutureGift lets you set up a contribution page, so family and friends can give to a child’s college plan online. There is even a promotio...

dyangu

If you have 3 alternative funds then you can TLH 3 times within 30 days. You cannot buy back something you TLH'd within 30 days due to wash sale rules. I'm on my third already with VWO, SCHE, IEMG. if it keeps going down I'll have to get more creative.

dyangu

Well, there is the theory that you can get the same portfolio effect with a smaller allocation to long bonds than to intermediate term bonds, so your bond allocation doesn't have to be as large. I barbelled between CDs and long term treasuries. I do something like this as well. I have limited tax s...

dyangu

Of course it's enough. Let's say you max out your 401k, after tax, you have maybe $170k left. Renting a nice 1 bdrm apartment/condo with parking will cost $60k-$70k. You still have $100k left to buy a Tesla or something. Young techies in San Francisco live reasonably well on $100k-150k salaries, but...

dyangu

What if your income drops to $200k? I don't know what industry you're in, but if that's a possibility, then you'll want to save up. If not, spend away.

dyangu

I have trouble deciding where to donate because it's so hard to measure and compare the impact of your dollar. I found that Stanford now has an online course on giving, which looks pretty interesting : https://accounts.coursera.org/signin?course_id=971859&r=https%3A%2F%2Fclass.coursera.org%2Fgiving2...

dyangu

FutureAdvisor has your plan options and some algorithm-generated advice. I'm not sure if their list is up to date though.
https://www.futureadvisor.com/401k/apple-inc

dyangu

I'm not sure what it even means to balance my checking account. I just check all my accounts on Mint every few days. I almost never write physical checks, although one time I did forget about an old check that someone cashed months later, and it overdraft my account. Now I just keep a lot of cash in...

dyangu

Unfortunately, you are stuck with it if you want to a retirement account. The IRA limit is too low and you probably don't qualify for deductible IRA anyways. You can try to convince your employer to change 401k providers. The ones often recommended for small companies are the Costco 401k and theonli...

dyangu

Absolutely contribute the full amount. 401k and IRAs are recognized in Canada so you can leave it until you retire. When you retire, you will be in a lower tax bracket due to not having a job, so you will be paying less taxes vs saving in a taxable account. You should really run some retirement calc...

dyangu

The fixed rate on the series I Bonds are finally back above 0%: https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm I have some at 0% from before, is it worth it to redeem and buy the new ones? Or maybe I should just buy TIPS (although I have very limited tax s...

dyangu

In other words, is there a rule of thumb or a website which lists the right asset location for a given ETF or Fund? I don't think so. It's not that easy to find and aggregate the historical percentages for the fund's dividend, qualified dividend, and foreign tax credit. The wiki has some informatio...

dyangu

I use futureadvisor.com gives me asset allocation analysis across all my accounts. I think Personal Capital is similar.

dyangu

Why would you want a house in the suburbs at this stage of your life? Also, $1 million is 10x your salary! Most people would recommend buying <5x salary.
By the way, what's your secret to $50k in Roth IRA at 25?

dyangu

Consider moving to a lower cost of living area when you move to single income. You could probably save $10k/year and only take a small salary hit.

dyangu

$3k spending on $25k limit gives you a fairly low 12% credit utilization, so lowering it won't have a major impact on your score. If you really want to bring it down, you need to pay before your monthly statement comes out (i.e. 1 month before due date).

dyangu

You do not say what is the market value of the house. Your break even number is irrelevant. I'm sure your realtor has already yelled at you for listing it at an unrealistic price.
Your income may be too low to qualify for another mortgage if you don't sell as the bank might not count rental income.

dyangu

Thanks! I knew I saw people post spreadsheets here, found Simba's backtest spreadsheet linked in this topic.
http://www.bogleheads.org/forum/viewtop ... =10&t=2520

dyangu

Anyone know where I can get 20+ years of performance data on different asset classes like US small cap value, REIT, TIPS, etc? I want to make some spreadsheets but many index funds didn't exist 20 years ago so I don't know where to get all the data.

dyangu

Is it possible to do this without selling? I want to switch to index funds in order to setup automatic contributions.

dyangu

I want to bump this old thread since I just hit this issue. Has anyone done these steps through Vanguard? What is the exact process? Step 1. The recharacterization of your excess Roth IRA contributions to Traditional IRA will correct the excess contribution to Roth IRA. This will be like you made co...

dyangu

1. Do most startups offer 401k's? I was guessing "no" because it costs the company money, and at the start the most important thing is to be focusing resources on the first product. 2. If not, how much more of a salary should one ask for? How would one calculate the equivalent of a $60,000 / year s...

dyangu

You can withdraw the contribution portion of Roth for any reason, so first time home purchase doesn't matter. Are you sure you want to do this though? You will never get back this tax sheltered space. Consider a 401k loan if available.

dyangu

I was disturbed as well regarding the $400,000 single and the $450,000 jointly. Why only $50k more? It is more expensive to live as a single person than being married together. One person still needs to pay the rent/mortgage for an entire property every month, electric, utilities, etc, whether ther...

dyangu

Play around with NYTimes Buy vs Rent calculator http://www.nytimes.com/interactive/busi ... lator.html and double check that it makes sense to buy a particular house vs renting a similar one.

dyangu

Credit limit is mostly based on your credit score. Your current credit limit and stated income are factors, but they can't verify your income so it's not a reliable number for them. I have never heard of anyone sending their paystubs to Experian. You should definitely get another credit card, it wil...

dyangu

it is about lawyers not marrying doctors. I sense a government conspiracy here... Seriously though, I do know many professionals in CA delaying marriage due to the tax penalty. The 33% bracket is $183,250 for singles vs $223,050 for couples and hits a lot of skilled professionals. Add in state tax ...

dyangu

Bad or indifferent school district ==> property values plunge; good/excellent school districts ==> property values rise, at the very least hold firm. You don't want to know the hard way. I often see this, and I think this will continue in the Bay Area. There are lots of upper middle class parents w...

dyangu

Federal is 39.5% I would avoid REITs at that kind of tax rate. I would put just long term bonds (BLV) in tax deferred and put savings accounts (or short term bonds), muni bonds, I bonds, and EE bonds in taxable. SIMPLE IRA's $11,500 limit is very unfortunate (it's like the government is trying to p...

dyangu

Suppose you are refinancing your house but suddenly need to use up a large sum of your savings (not to pay off a debt, but suppose you need a new roof), will it affect your credit rating and ultimately the refinancing? Paul It should not matter unless it leaves you with no money at all. If your pro...

dyangu

I would have two nonindependent agents price your house. Don't sign anything and tell them you will get back to them. Go to the buyers. If nothing sticks, pick your favorite of the two agents and list with them. I second this. Realtors can be expensive and don't always have your best interest in mi...

dyangu

I think putting 10% of your stock allocation on random individual stocks is ok if it makes you happier. (but do think about how you would feel if one of them tanked while the rest of the market went up)

dyangu

Nope. I would buy the full $10k/year in I Bonds before considering short term TIPS.

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