Search found 1615 matches

by tludwig23
Wed Mar 15, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs. Vangard?
Replies: 57
Views: 5082

Re: Fidelity vs. Vangard?

My money is at Fidelity because Vanguard won't take it.
by tludwig23
Sat Mar 04, 2017 9:41 pm
Forum: Personal Finance (Not Investing)
Topic: Beginner-Level Question About Backdoor Roth Contributions
Replies: 3
Views: 424

Re: Beginner-Level Question About Backdoor Roth Contributions

You do NOT have to pay income tax on the amount you contributed (but did not deduct in previous years) to the traditional IRA. You DO have to pay income tax on the gains (from interest, dividends, capital gains, etc.) in the traditional IRA. The 1099-R will list the full amount because the custodian...
by tludwig23
Mon Feb 06, 2017 6:32 pm
Forum: Investing - Theory, News & General
Topic: A Wellesley alternative
Replies: 93
Views: 8368

Re: A Wellesley alternative

Taxable or tax-deferred?
by tludwig23
Mon Feb 06, 2017 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan payback question
Replies: 6
Views: 760

Re: Student loan payback question

I would not pull money from the Roth. 9% is a very high rate. I'd pull 6K from the EF and pay it in full. Then I'd add the $300 to whatever you normally put in to build the EF back up. When you're back to $15k in the EF, pay off the 3% loan. Then put the whole $450 towards building your EF back up.
by tludwig23
Sun Jan 08, 2017 11:10 pm
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 4626

Re: Over what time period should stocks NOT lose money

KlangFool wrote:
A) At any point of time, your equity portion could lose 50% of its value.


Then logically at any point in time your equity portion could lose all of its value.
by tludwig23
Mon Jan 02, 2017 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for alimony question
Replies: 4
Views: 401

Re: Tax deduction for alimony question

Ah, got it.

Yes, under a separation agreement, but the agreement was signed by both parties and not filed with the court, i.e., it wasn't a legal separation.
by tludwig23
Mon Jan 02, 2017 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for alimony question
Replies: 4
Views: 401

Re: Tax deduction for alimony question

The deduction for alimony has to be under a divorce or separation agreement. Were the payments before the divorce under a separation agreement? Do you know you can also agree to reverse the assumption of the statute as to whether it is deductible or not? Gill Prior to June 30th was under an agreeme...
by tludwig23
Mon Jan 02, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Tax deduction for alimony question
Replies: 4
Views: 401

Tax deduction for alimony question

In general alimony paid is tax-deductible for the paying spouse and taxable for the receiving spouse provided a number of conditions are met. Here's a scenario that I'm wondering about... A married couple begins the divorce process and it is agreed that A will pay B $4,000/month in alimony, and A (w...
by tludwig23
Sun Dec 25, 2016 2:06 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 2906

Re: Concept2 Holiday Challenge (indoor rowing)

IFRider wrote:
tludwig23 wrote:200,689 as of 7am. :happy Now I'm on a ferry to Victoria, BC, so no more rowing before Christmas.


205,044 for me tonight. I will probably end up with a few thousand more before the deadline tomorrow.

Good Job and Merry Christmas!


Great job, and Happy Holidays to you also!
by tludwig23
Fri Dec 23, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 2906

Re: Concept2 Holiday Challenge (indoor rowing)

200,689 as of 7am. :happy Now I'm on a ferry to Victoria, BC, so no more rowing before Christmas.
by tludwig23
Thu Dec 22, 2016 8:38 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 2906

Re: Concept2 Holiday Challenge (indoor rowing)

at 119,860m. I will make it! :D How's it going with two days left? First time ever (I believe) someone is over 2 million meters. Incredible. We rest on Christmas day. :sharebeer 179,000. But I'm out of town on the 24th and no erg at the hotel (I checked), so basically have one night to finish the 2...
by tludwig23
Tue Dec 20, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: Flying with Norwegian
Replies: 24
Views: 2454

Re: Flying with Norwegian

Being 25+% Danish and 25+% Norwegian, I am 100% confident that the only thing worse than flying with a Norwegian would be flying with a Swede. Ah, Scandinavian humour... Two Norwegians, two Danes, two Swedes and two Finns were stranded on a desert island. After a few days they realized that rescue ...
by tludwig23
Mon Dec 19, 2016 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: Another "OMG why did my portfolio fall" question!
Replies: 30
Views: 4417

Re: Another "OMG why did my portfolio fall" question!

livesoft wrote:...I don't have an iPhone with siri, but I would even guess that siri would have great answer, too. :)


Here is what Siri told me, "China Ming Yang Wind Power Grou closed at $2.44 June 22, 2016."
by tludwig23
Sun Dec 18, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 2906

Re: Concept2 Holiday Challenge (indoor rowing)

at 119,860m. I will make it! :D
by tludwig23
Fri Dec 16, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Good Time To Rebalance a Tad?
Replies: 14
Views: 1506

Re: Good Time To Rebalance a Tad?

SeeMoe wrote:CNBC just interviewed the New York Times Columnist James Stewart who suggests it (AA rebalancing) is a possibility.


What exactly did he say? I read his last couple and didn't see rebalancing mentioned.
by tludwig23
Fri Dec 16, 2016 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Good Time To Rebalance a Tad?
Replies: 14
Views: 1506

Re: Good Time To Rebalance a Tad?

This may well be the right move for you but most people would not call a shift of allocation due to changing life circumstances (or even market conditions) "re-balancing." Re-balancing is typically adjusting an allocation that has drifted from the target allocation back to or closer to th...
by tludwig23
Wed Dec 14, 2016 11:51 pm
Forum: Investing - Theory, News & General
Topic: 3 Fund - should it be more diversified?
Replies: 28
Views: 3364

Re: 3 Fund - should it be more diversified?

Some would argue that a 3 funder is not diversified across factors and therefore is not diversified enough. People may say that, but it doesn't strike me as accurate. Obviously tilting is concentrating your portfolio. A three fund portfolio contains all factors in market proportions so along with v...
by tludwig23
Wed Dec 14, 2016 11:01 pm
Forum: Investing - Theory, News & General
Topic: 3 Fund - should it be more diversified?
Replies: 28
Views: 3364

Re: 3 Fund - should it be more diversified?

am wrote:Some would argue that a 3 funder is not diversified across factors and therefore is not diversified enough.


Please explain what "diversifying across factors" means.
by tludwig23
Wed Dec 14, 2016 10:25 pm
Forum: Investing - Theory, News & General
Topic: Am I over diversifying?
Replies: 21
Views: 2198

Re: Am I over diversifying?

Technically, there is no such thing as over diversifying or pseudodiversifying. You can only reach a maximum amount of diversification and any attempts to go beyond that involves concentration/tilt/pivot. If you were 90% fully diversified and had 10% concentration in Small Cap Value and switch the ...
by tludwig23
Wed Dec 14, 2016 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard or Fidelity 3 funds
Replies: 9
Views: 1700

Re: Vanguard or Fidelity 3 funds

Agree with above. Buying the Vanguard funds through Fidelity complicates things and adds unnecessary fees. Just buy the Fidelity broad index funds. As to FTIPX not having a track record, so what? It is an index fund. It will follow the MSCI ACWI xUSA index. It isn't like Fidelity is some startup com...
by tludwig23
Wed Dec 14, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: Am I over diversifying?
Replies: 21
Views: 2198

Re: Am I over diversifying?

You're not over diversifying. You're pseudodiversifying. Unless this is all in taxable and you are using the separate funds as a means of tax loss harvesting the losers and/or donating the big winners, there is no benefit from having these all separated out.
by tludwig23
Tue Dec 13, 2016 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Looking to shift allocation to a bond fund with Fidelity
Replies: 3
Views: 319

Re: Looking to shift allocation to a bond fund with Fidelity

I'm not sure where you are getting your numbers. It is total returns that matter, not yield. In any case, FSITX had annual returns of about 3.9% over the past 10 years, compared with 6.5% for SPHIX. But why have bonds at all at your age? Total Stock Market (FSTVX) had annual returns of 7.1% over the...
by tludwig23
Mon Dec 12, 2016 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: What % of your net income do you save (not including 401k/IRA)
Replies: 59
Views: 5255

Re: What % of your net income do you save (not including 401k/IRA)

Outside of tax-advantaged accounts basically nothing. But I can save $65K into tax advantaged accounts. That's enough for me.
by tludwig23
Mon Dec 12, 2016 5:27 pm
Forum: Investing - Theory, News & General
Topic: Edward Jones Annuity Review - Tips before I begin
Replies: 16
Views: 2307

Re: Edward Jones Annuity Review - Tips before I begin

Green_98 wrote:I want to do a thorough review, and make sure he is not getting ripped off.


Let me save you the trouble. He's getting ripped off.
by tludwig23
Mon Dec 12, 2016 2:22 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 2906

Re: Concept2 Holiday Challenge (indoor rowing)

77,044 The slow way: 11/24/16 11,044m 11/25/16 14,000m 11/26/16 10,000m 11/27/16 10,000m 11/28/16 10,000m 11/30/16 15,000m There are 280 people with over 100k and 1 person with over 400k. I feel like such a slacker :happy I'm a little over 100,000 with 13 days to go. Been doing a lot of intervals o...
by tludwig23
Thu Dec 01, 2016 1:40 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 2906

Re: Concept2 Holiday Challenge (indoor rowing)

No. I use a Concept2 rower at the gym, but could never row that far in 45 days. I'm a believer (based on research I've seen) that intensity is more important than quantity. That is 8k meters a day everyday! Most of my meters are done as intervals of various intensity, but 8000 per day is certainly ...
by tludwig23
Wed Nov 23, 2016 11:26 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 2906

Re: Concept2 Holiday Challenge (indoor rowing)

No. I use a Concept2 rower at the gym, but could never row that far in 45 days. I'm a believer (based on research I've seen) that intensity is more important than quantity. That is 8k meters a day everyday! Most of my meters are done as intervals of various intensity, but 8000 per day is certainly ...
by tludwig23
Tue Nov 22, 2016 8:02 pm
Forum: Personal Consumer Issues
Topic: Concept2 Holiday Challenge (indoor rowing)
Replies: 26
Views: 2906

Concept2 Holiday Challenge (indoor rowing)

Anyone else doing the Concept2 Holiday Challenge to row at least 250,000 meters between Thanksgiving and Christmas?
by tludwig23
Sun Nov 20, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: Energy Drink Alternatives
Replies: 19
Views: 1278

Re: Energy Drink Alternatives

I make my own. DIY. Never the same taste/flavor twice (NTSFT) A tea bag. Steeping will determine the caffeine content. A partial hi- B complex vitamin. A partial vit C NaCl and KCl. A dash of Ca from ground up Ca pill (too much Ca gives me leg cramps) A dash of groundup acetaminophen (used to use a...
by tludwig23
Sat Nov 12, 2016 3:47 am
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 45
Views: 6129

Re: Kevin O'Leary Fund

Low volatility funds are indeed less volatile over the long run. USMV, for example has a beta of only 0.68 compared with 1.00 for VTI. The problem is that fund only has 5 years of history. That's not enough to decide if it truly is less volatile. Logically speaking though, isn't owning the entire m...
by tludwig23
Thu Nov 10, 2016 11:14 pm
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 45
Views: 6129

Re: Kevin O'Leary Fund

He has the correct theory of holding companies with healthy balance sheets and claims that his fund is less volatile than the SP500 which logically doesn't make sense. You can't predict which company will be more volatile in the future so I would guess the SP500 or a Total stock market index is the...
by tludwig23
Thu Nov 10, 2016 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help for former check to check and drowning in debt 30 yr old!
Replies: 15
Views: 2093

Re: Help for former check to check and drowning in debt 30 yr old!

I see, so the different plans affect how I can withdraw the money out of the mutual funds and if I get penalized? Also I assumed mutual funds was when an advisor takes a fee and manages your accounts for you. I read it was better to just pick them yourself and bypass the fee because your results wo...
by tludwig23
Thu Nov 10, 2016 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Help for former check to check and drowning in debt 30 yr old!
Replies: 15
Views: 2093

Re: Help for former check to check and drowning in debt 30 yr old!

My question is should I invest in a 401k even tho I won't get a match since I am no longer employed, or should I go with a easy breezy VTSMX? OK, let's start with the basics. A 401k and an IRA are type of retirement plans . VTSMX is a mutual fund. So this isn't an either-or type question. You need ...
by tludwig23
Wed Oct 26, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: Future technology and future inflation
Replies: 9
Views: 1163

Re: Future technology and future inflation

1. Yes, eventually.
2. It shouldn't.
by tludwig23
Sun Oct 16, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 764281

Re: What Movie Have You Recently Watched?

Just saw A Man Called Ove. Very good. I'd highly recommend for anyone.
by tludwig23
Thu Oct 13, 2016 10:37 pm
Forum: Investing - Theory, News & General
Topic: Should we actively invest in International Markets
Replies: 4
Views: 765

Re: Should we actively invest in International Markets

nisiprius wrote:...FM, iShares MSCI Frontier 100 ETF invests in the so-called "frontier markets," markets that are too sketchy even to be called "emerging markets:" ... Luxembourg.


I had never considered Luxembourg to be sketchy in any way.
by tludwig23
Mon Oct 10, 2016 9:35 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance and Backdating
Replies: 8
Views: 869

Re: Term Life Insurance and Backdating

The probability that you will die in a specific 3 week period seems to be extremely small. I'd save the $800 given your projected overall financial picture at that point.
by tludwig23
Sun Oct 09, 2016 11:33 pm
Forum: Investing - Theory, News & General
Topic: Active vs Passive
Replies: 30
Views: 2985

Re: Active vs Passive

I don't think it's that hard to beat the market. Just pick diversified companies with a track record of success, such as

Eastman Kodak
Circuit City
Blockbuster
Sears
JC Penny
Dell
Borders
Wells Fargo
by tludwig23
Sun Oct 09, 2016 11:25 pm
Forum: Personal Consumer Issues
Topic: Moving to Tri Cities Wa
Replies: 19
Views: 2238

Re: Moving to Tri Cities Wa

A must watch before moving to the Tri Cities:

https://www.youtube.com/watch?v=rbd-xaYd4rs&list=PLA7367A5A9900257F
by tludwig23
Sun Oct 09, 2016 1:29 pm
Forum: Personal Consumer Issues
Topic: Do we need annual furnace exam?
Replies: 26
Views: 3263

Re: Do we need annual furnace exam?

I'd guess less necessary for an electric furnace. Fewer moving parts, no risk of carbon monoxide poisoning, etc. Changing the filter regularly and visually inspecting the power lines would seem to stave off most problems. I might get it inspected every five years. Something with a gas or oil burner ...
by tludwig23
Sun Oct 09, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Most reliable/safe/bulletproof way to get cash overseas
Replies: 30
Views: 3105

Re: Most reliable/safe/bulletproof way to get cash overseas

There are, BTW, two ATMs at McMurdo Station in Antarctica. Both are owned/operated by Wells Fargo. So you may have the advantage of a few extra accounts when you return. :P
by tludwig23
Sun Oct 09, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Crossing the line (becoming a miser)
Replies: 71
Views: 9908

Re: Crossing the line (becoming a miser)

Some likely signs: 1) Your miserliness is interfering with your social life, making it difficult to make friends or costing you friends you already have... I think Nisi has started an excellent list of signs of obsessive-compulsive behavior related to money. Just as diet and exercise websites may a...
by tludwig23
Sun Oct 09, 2016 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: What happens if an online broker goes bankrupt.
Replies: 8
Views: 1294

Re: What happens if an online broker goes bankrupt.

Short answer: The same thing that happens to the horse if your bookie dies unexpectedly. Better answer: See http://www.finra.org/investors/alerts/if-brokerage-firm-closes-its-doors In part, "In virtually all cases, when a brokerage firm ceases to operate, customer assets are safe and typically ...
by tludwig23
Sun Oct 09, 2016 11:57 am
Forum: Personal Consumer Issues
Topic: Controlling high blood pressure
Replies: 16
Views: 1365

Re: Controlling high blood pressure

Since medical advice is prohibited, I'm not going to give any. In general, the research is very clear that even mild hypertension increases the risk of heart attacks and strokes. Medications can be necessary for some people, lifestyle modifications can be sufficient in others. Hopefully your physici...
by tludwig23
Sat Oct 08, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: Satisfaction with Water Rower machines?
Replies: 5
Views: 1067

Re: Satisfaction with Water Rower machines?

I have owned both. My opinions: Water Rower: Prettier, smoother, quieter. Nice wooshing sound. Electronic monitor not nearly as useful, nor is the internal calibration very good. A 7:00 2000m you row one month may not be really the same as two months later when the water level is slightly different,...
by tludwig23
Fri Oct 07, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 10142

Re: If i want to invest in gold (metal), what is the best way?

Most $100 bills seem to be used by criminals. See, for example https://www.hks.harvard.edu/centers/mrcbg/publications/awp/awp52 "Our proposal is to eliminate high denomination, high value currency notes, such as the €500 note, the $100 bill, the CHF1,000 note and the £50 note. Such notes are th...
by tludwig23
Fri Oct 07, 2016 5:03 pm
Forum: Investing - Theory, News & General
Topic: Depression investments corrected
Replies: 23
Views: 2503

Re: Depression investments

It seems there is a lot of advice about how to invest to prepare for the possibility of inflation. What advice do you have for preparing for the possibility of depression? The two are not opposites. We can have depression (a long term downturn in economic activity) and still have inflation. The ris...
by tludwig23
Fri Oct 07, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: So many threads about mortgages!
Replies: 19
Views: 1807

Re: So many threads about mortgages!

Yes, all that high inflation...that was coming in 2008, 2009, 2010.... ...still waiting I don't care if it goes up or not. 2.75% is very low by historical standards. It's not a bet on inflation. What is the historical rate of return for real estate? If I buy a bigger house because of the low rates,...

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