Bogleheads.org

ksJoe

my employer has been contacting them. Last I heard, they were not responding to the employer.

ksJoe

Yeah, we had a couple emergency room visits due to alergic reactions, so there are plenty of expenses to submit. That's a good idea to submit a claim anyway, I'll try to get something submitted. In the past we've always used the debit card so I haven't looked at how to submit claims on their site. I...

ksJoe

I started a new job last fall, and if I contribute anything, my employer contributes $500 the FSA. So I put in $50. The $500 employer contribution never showed up. My employer chnanged vendor/administrator for 2021, and said they had a lot of problems the old vendor. My employer said there were mist...

ksJoe

The suggestion of Pex is good, but the Pex I'm familiar with is not very rigid. To keep a bit of a slope in it, you may need to staple it to a board, or something. Do you use the AC for dehumidifying in the winter at all? If not, you could just blow it out each fall. I also wonder about bumping up t...

ksJoe

I'm too cheap and stubborn to pay for prime. What annoys me is that as a non-prime customer, they randomly select orders to put in timeout for 2 weeks. This has nothing to do with the current pandemic, its been going on for years. Some orders come in a day or two, some orders they don't start to shi...

ksJoe

We already had an upright freezer, but I bought a smallish chest freezer as they were disappering (6 week wait, but I have it now). Just before the chest freezer arrived, I ordered 1/4 beef from a local packer. A few days later I ordered a whole hog. The 1/4 beef came in at about 270 lbs at around $...

ksJoe

Depending on how motivated you are to have investment choices, here's another option you might want to think about: If the 529 plan is intended for a young child, you can create a custodial account for the child as a traditional taxable account. The child can realize a thousand $ in gains tax free ...

ksJoe

Depending on how motivated you are to have investment choices, here's another option you might want to think about: If the 529 plan is intended for a young child, you can create a custodial account for the child as a traditional taxable account. The child can realize a thousand $ in gains tax free (...

ksJoe

So, to answer your question: No - there should not be any holdings with a low cost basis. This is one of the basic premises of the strategy. Over 30 years there should have been enough volatility and low correlation stocks to rotate out all of the low cost basis stocks and reset the cost basis to a...

ksJoe

Yes, poorly worded on my part. I should have said there is less opportunity when not contributing (because over time the market tends to go up, so older dollars in general would have a lower cost basis, and so it would generally take a more significant market decline to have TLH on older investment...

ksJoe

I wonder if there are any academic studies regarding aggressive tax loss harvesting and investment returns. This strategy involves lots of turnover to generate the tax losses and I am wondering if this is creating a friction with bid/ask spreads and incorrect sell/buy decisions. In other words, I a...

ksJoe

The first assumption is wrong. TLH can reduce or eliminate unrealized long term capital gains. It does not matter if you are contributing or withdrawing funds. What matters is the volatility and correlation of the underlying securities. Yes, poorly worded on my part. I should have said there is les...

ksJoe

I fail to see what the robo would do that 15 minutes of my time & a calendar reminder would not be able to do. Automated software can do it much more aggresively and thoroughly. I opened an account at Wealthfront in July 2018 with $5k, and contributed $1k weekly since. Just in 2018 they harvest...

ksJoe

I fail to see what the robo would do that 15 minutes of my time & a calendar reminder would not be able to do. Automated software can do it much more aggresively and thoroughly. I opened an account at Wealthfront in July 2018 with $5k, and contributed $1k weekly since. Just in 2018 they harvest...

ksJoe

What sort of micromanaging would be happening when selling during retirement? Most lots will be long term gains. Sell the ones with the highest basis. Yeah, that's the part I'd thought about the least. That's a ways off for me. There may not be much point in that. Because of their aggressive TLH an...

ksJoe

I had a random thought last night, tell me what I'm missing here. I think with a little bit of hassle I can get the aggressive tax loss harvesting benefits from a robo-advisor, without paying them for managing a large amount of money. Assumptions: While a portfolio is rapidly growing, robos can save...

ksJoe

What is auto-TLH worth for some tlh-optimized version of the three fund portfolio? Its worth a lot. I've seen harvesting as little as $6 Wealthfront slices and dices to an asset allocation, based on how you answer their questions. Its more than 3 categories of funds, but similar idea. This is what ...

ksJoe

Auto-TLH benefits are overwhelmed by roboadvisor fees; that's mostly a marketing bullet point to make it sound to people who haven't done the math that it's worth the cost. The 10bp savings compared to Betterment/Wealthfront here are a much better value than that feature. For us hobbyists, it has n...

ksJoe

I read that they'll be sticking to Vanguard funds. That's understandable, but it makes me skeptical of their tax loss harvesting. I have some taxable funds at Wealthfront and they are aggressive on tax loss harvesting. Wealthfront rotates between a variety of similar but not identical low cost fund...

ksJoe

I read that they'll be sticking to Vanguard funds. That's understandable, but it makes me skeptical of their tax loss harvesting. I have some taxable funds at Wealthfront and they are aggressive on tax loss harvesting. Wealthfront rotates between a variety of similar but not identical low cost funds...

ksJoe

Sounds like you're not concerned about FICO score near term - what about liquidity? From a liquidity perspective - losing the HELOC reduced your liquidity. Paying down the HELOC won't help your liquidity, but maxing out the ROTH will (since in an emergency you can take the contributions out penalty ...

ksJoe

A quote from the WSJ:
The pain could be most acute for Bear Stearns's employees, who are steeped in a culture of personal ownership -- and hold about a third of the firm's shares outstanding.

Ouch, that's going to hurt.

ksJoe

Get approved at a second place that doesn't charge a fee if you don't close with them. Then lock with them at an ok rate and wait & see with your first choice place.

ksJoe

Yes, it is too good to be true. You cannot use proceeds of a new mortgage to purchase muni's and claim both the mortgage deduction and the tax free muni dividends. It is ok if you buy muni's while holding a mortgage. Though tempting, there is no free lunch here. Dale Are there any time limits? With...

ksJoe

This topic has been on my mind for weeks. I can't figure out an emergency that I would need 3 months of living expenses for. I have: 5,000 credit limit on Credit Card 1 5,000 credit limit on Credit Card 2 10,000 credit limit on HELOC card All of these cards can do cash advances (obviously with fees...

ksJoe

I suggest you get a quote from bank of america. About 3 weeks ago, we bought a house financed by them. They have a "no fee plus" mortgage. They pay all closing costs, including third party fees (appraisal, title fee, title insurance, etc), except mortgage tax stamp, and points (if you chos...

ksJoe

$1800, but it change much for us. We'll put towards the mortgage. So it will go from our personal debt, to our share of the federal debt.

ksJoe

" If you are asked, do not label the money your employer provides you after the notification period as "severance"." Why is this? If you receive 6-weeks of "severance pay" then you are not eligible for unemployment insurance until 6-weeks after you leave the company. (...

ksJoe

A year or so ago several of us at work were thinking we would get laid off too. I got an email on "things I wish I knew before I was laid off". Here's what it said (edited to remove some things specific to the company work for - Sun Microsystems): > 1. All jobs are temporary. Unemployment ...

ksJoe

Yup, that explains it - or all but 1 day of it. These 3 were funded from a checking account. The maturity date's match up to the bank's withdrawl date + 1 year + 1 day. ING transaction date / Bank Withdrawl date / ING maturity date Nov 15, 2006 / Nov 16, 2006 / Nov 17, 2007 Nov 24, 2006 / Nov 27, 20...

ksJoe

I can't think of any reason for this. We have some 12 month cds with ING Direct, that have maturity dates more than 12 months after the deposit. On all three of them, they say the term is simply "12 Months". Deposit Transaction Date Maturity Date Nov 15, 2006 Nov 17, 2007 Nov 24, 2006 Nov ...

ksJoe

You should be very careful about trying to deceptively violate this. If it is for the purpose of complying with gov. regulations, you may be required to sign documents that say you are disclosing all investing activity. You don't want to get in trouble with the feds for perjury. After Enron they're ...

ksJoe

There is one case you're missing, but us little guys don't have the $ to do it. In the case of death spiral financing, shorting is virtually guaranteed to be profitable. The sequence goes like this: - A small company issues convertible debt (debt than the owner can convert on demand to equity at cur...

ksJoe

DW & I submitted an offer last night

For the last 2+ years we've been planning on moving about now. Its in the midwest, so the market isn't crazy here. In 10 years we'll know whether or not it was a good idea. Until then, life goes on...

-Joe

ksJoe

You can send a complaint to your state attorney general for deceptive business practices, etc. Just be sure to CC them on it! I've sent complaints to the state insurance commissioner, and gotten things immediately resolved. Or if you'd like to have a little fun.... When I get in in a situation with ...

ksJoe

My wife and I are looking to move in a few months, and ingdirect has some really great rates. Our broker doesn't know anything about them specifically, but mentioned delayed closings because of another online lender. We've got savings & CDs with ingdirect, and have been very pleased. But we real...

ksJoe

Interesting that most of the explanation posts are for young guys with very high equity AA. Young guys are also most likely to own fast, loud cars. Same psychology? I drive a 95 civic dx that I bought totaled in '98 with 55k miles on it. Now it was 237k. It doesn't even have power steering.... Does...

ksJoe

I wish you included a >100% option... I'm not margined, but some probably are.

I'm about 94% equity, 28 years old.

-Joe

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Re: $500 never appeared in flexible spending account - admin ignoring me & my employer

Re: $500 never appeared in flexible spending account - admin ignoring me & my employer

$500 never appeared in flexible spending account - admin ignoring me & my employer

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Re: Are There 529 Plans that Allow Stocks and EFTs?

Re: Are There 529 Plans that Allow Stocks and EFTs?

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optimal strategy for exploiting robo-advisors

Re: Vanguard said to offer Digital Advisory Service [Robo-Advisor]

Re: Vanguard said to offer Digital Advisory Service

Re: Vanguard said to offer Digital Advisory Service

Re: Vanguard said to offer Digital Advisory Service

ING direct 12 mo cd's take longer than 12 mo?

We submitted an offer last night

Anyone have a ingdirect mortgage?