Search found 469 matches

by leftcoaster
Mon Jun 22, 2020 8:22 pm
Forum: Investing - Theory, News & General
Topic: Top 10 Things Bogleheads Get Wrong - White Coat Investor
Replies: 143
Views: 13683

Re: Top 10 Things Bogleheads Get Wrong - White Coat Investor

It’s not a bad list. Since we are offering feedback... I find it silly that we get these doctor-specific threads here. Most docs are working as employees. They have a ton of student debt. Not too different from others professions. I know everyone thinks they are special...
by leftcoaster
Mon Jun 22, 2020 1:28 am
Forum: Personal Investments
Topic: Should I ever hold ESPP until a qualifying disposition?
Replies: 43
Views: 2239

Re: Should I ever hold ESPP until a qualifying disposition?

The case for doing this is stronger if you are near retirement and a lower income tax bracket as that would also reduce the tax paid on the 15% discount. This makes the ESPP work effectively as a Tax deferred Investment. If you expect your marginal rate to go UP before you sell, that’s a different s...
by leftcoaster
Tue Jun 16, 2020 9:15 am
Forum: Investing - Theory, News & General
Topic: CALPERS Needs 7% Return
Replies: 58
Views: 6977

Re: CALPERS Needs 7% Return

Pensions will need to be cut. More likely taxes will need to be raised. Or workers' contribution percentage goes up. Or employers' contribution percentage goes up. Or some combination of 2, 3, or all 4 of the above. Regardless, it's not any sort of sky-is-falling scenario, despite the headlines and...
by leftcoaster
Fri Jun 05, 2020 9:22 am
Forum: Personal Investments
Topic: Portfolio Review, Recommendations Welcome
Replies: 8
Views: 566

Re: Portfolio Review, Recommendations Welcome

90/10 is aggressive but you have 35 years, so color me jealous :-). You were OK watching that portfolio get cut by a third in March? If so, I’d keep on keepin’ on. No need to go three fund at this balance and you are getting diversification and rebalancing through the target fund. Just watch your al...
by leftcoaster
Fri Jun 05, 2020 9:06 am
Forum: Personal Investments
Topic: Retirement income tax rate
Replies: 64
Views: 4011

Re: Retirement income tax rate

Non qualified deferred compensation

Sale of ESPP shares , which have an embedded income part

Interest income from savings bond deferral.
by leftcoaster
Fri Jun 05, 2020 8:58 am
Forum: Personal Investments
Topic: Portfolio Review, Recommendations Welcome
Replies: 8
Views: 566

Re: Portfolio Review, Recommendations Welcome

Your list of plan funds is incomplete as it does not include the one you hold. Please do not just post ticker symbols for your holdings. We shouldn’t have to go look up the name for you. Also you said DW is part of the max out plan for 401(k). Does she have the same investment choices? Good job in b...
by leftcoaster
Sun May 24, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 53
Views: 2809

Re: What to look for when buying a table saw?

LifeIsGood wrote:
Sun May 24, 2020 6:51 am
I have to disagree about ""It does nothing for kickback" regarding the Sawstop. It has a riving knife which doesn't eliminate kickbacks but greatly reduces them.
That knife is sized for full kerf blades. Doesn’t work well with thinner kerf.
by leftcoaster
Sat May 23, 2020 3:27 pm
Forum: Investing - Theory, News & General
Topic: REITs in a world of WFH + social distancing
Replies: 27
Views: 2060

Re: REITs in a world of WFH + social distancing

Another factor to consider - while more people will work from home, for the remaining people that do need to be in an office type setting, they will require a lot more space than previously, due to distancing requirements. So it remains to be seen what the overall impact will be. That kind of deden...
by leftcoaster
Sat May 23, 2020 11:02 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1496
Views: 199042

Re: Just Paid Off My Mortgage

I'm really concerned about the stock market, so I decided to pay off my mortgage. It was a close call on an NPV analysis, but its nice to not have any debt. We own 2 cars. Have anyone done the same? Congratulations!!!! Paid it off a few years ago. Was not the economically rational decision as I had...
by leftcoaster
Sat May 23, 2020 10:56 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 53
Views: 2809

Re: What to look for when buying a table saw?

You won't be happy with a cheap table saw if you intend to make cabinets. The surface area of the table is too small to safely deal with sheets of 3/4" plywood. You can do a lot with an inexpensive table saw if you also get a track saw to go with it. You can save some money on the track saw and get...
by leftcoaster
Sat May 23, 2020 10:54 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 53
Views: 2809

Re: What to look for when buying a table saw?

Oh - I think George of Woodworker’s guild has a series on making cabinets. You have to pay to see his content but it is well done higher quality than YouTube. Marc Spagnolo is a good YouTuber though.
by leftcoaster
Sat May 23, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 53
Views: 2809

Re: What to look for when buying a table saw?

OP: there’s also wood carving with razor sharp chisels, angle grinders with special blades, and tiny and large chainsaws, for carving tabletop size whales and sea turtles or fuzzy bears as large as refrigerators. Chain saw Chaps and protection a must. Jus sayin’.😬😬. Try wood carving. j🌺 Razor sharp...
by leftcoaster
Sat May 23, 2020 10:47 am
Forum: Personal Consumer Issues
Topic: What to look for when buying a table saw?
Replies: 53
Views: 2809

Re: What to look for when buying a table saw?

Get a track saw. Festool if you are not price sensitive I have a sawstop cabinet saw and it’s great for many things. However I have the 36” one and so cannot cross cut a full sheet of plywood safely on it. And I wouldn’t want to. Even without a track saw I break sheet goods down by laying them on th...
by leftcoaster
Sat May 23, 2020 9:26 am
Forum: Investing - Theory, News & General
Topic: REITs in a world of WFH + social distancing
Replies: 27
Views: 2060

Re: REITs in a world of WFH + social distancing

Another factor to consider - while more people will work from home, for the remaining people that do need to be in an office type setting, they will require a lot more space than previously, due to distancing requirements. So it remains to be seen what the overall impact will be. That kind of deden...
by leftcoaster
Fri May 22, 2020 9:22 pm
Forum: Investing - Theory, News & General
Topic: REITs in a world of WFH + social distancing
Replies: 27
Views: 2060

Re: REITs in a world of WFH + social distancing

as someone who has a large REIT allocation i've also thought about this a lot. in the end, i'm staying the course. here's what i'm thinking. 1) as others have mentioned, REITs is more than just office space. all the people who WFH will continue to buy stuff, and all that stuff needs to be stored so...
by leftcoaster
Fri May 22, 2020 7:42 pm
Forum: Investing - Theory, News & General
Topic: REITs in a world of WFH + social distancing
Replies: 27
Views: 2060

Re: REITs in a world of WFH + social distancing

as someone who has a large REIT allocation i've also thought about this a lot. in the end, i'm staying the course. here's what i'm thinking. 1) as others have mentioned, REITs is more than just office space. all the people who WFH will continue to buy stuff, and all that stuff needs to be stored so...
by leftcoaster
Fri May 22, 2020 12:42 pm
Forum: Investing - Theory, News & General
Topic: REITs in a world of WFH + social distancing
Replies: 27
Views: 2060

REITs in a world of WFH + social distancing

What thoughts do people have about the future of REIT properties in a world where major corporations (Facebook, Twitter) are anticipating indefinite work from home arrangements and greatly reduced office occupancy. I guess the occupancy defined by the tenant doesn't change the cost of the lease, so ...
by leftcoaster
Thu May 14, 2020 4:03 am
Forum: Personal Finance (Not Investing)
Topic: Rethinking chase sapphire during pandemic
Replies: 8
Views: 1174

Rethinking chase sapphire during pandemic

My renewal date isn’t until January but I am thinking about deemphasizing my use of this card as the pandemic unfolds. As I see it, the main benefit of the point rewards from this card is their use in bulk for travel. But I and my family are not really booking travel at all. We had planned a big tri...
by leftcoaster
Mon May 11, 2020 6:50 am
Forum: Investing - Theory, News & General
Topic: How are munis repaid?
Replies: 4
Views: 318

Re: How are munis repaid?

Kosmo wrote:
Mon May 11, 2020 6:41 am
They issue another bond to pay the first one.
So if a bond was passed to repair infrastructure, the repairs are made but the principal is effectively never repaid? And a whole new set of bonds is issued to pay for the next round of repairs?

When does it end?
by leftcoaster
Mon May 11, 2020 6:32 am
Forum: Investing - Theory, News & General
Topic: How are munis repaid?
Replies: 4
Views: 318

How are munis repaid?

Question about muni bond finance... Suppose a city issues $10M in GO muni bonds. Investors get a stream of coupon payments, which are paid for by current revenue streams flowing into the General Fund. After, say, 30 years, the principal is due. Where does that money come from? Does the budget “sudde...
by leftcoaster
Wed May 06, 2020 10:07 am
Forum: Personal Investments
Topic: Strategy for inherited funds / withdrawal strategy
Replies: 9
Views: 344

Re: Strategy for inherited funds / withdrawal strategy

I’m sorry for your loss. Make sure you take the time to grieve before making any consequential decisions. Could you post a link to your profile post? Would be helpful to know your marginal tax bracket and age. In particular would you benefit from slow drawdown if you will later be in a lower bracke...
by leftcoaster
Wed May 06, 2020 9:51 am
Forum: Personal Investments
Topic: Strategy for inherited funds / withdrawal strategy
Replies: 9
Views: 344

Re: Strategy for inherited funds / withdrawal strategy

I’m sorry for your loss. Make sure you take the time to grieve before making any consequential decisions. Could you post a link to your profile post? Would be helpful to know your marginal tax bracket and age. In particular would you benefit from slow drawdown if you will later be in a lower bracket?
by leftcoaster
Sun May 03, 2020 8:22 am
Forum: Investing - Theory, News & General
Topic: [Any MF/ETF focused on COVID-19 treatment or vaccine companies?]
Replies: 12
Views: 2017

Re: COVID-19 Buy the Basket

bberris wrote:
Sun May 03, 2020 8:17 am
I would buy the company that discovered the HIV vaccine.
Which does not exist. Point taken.
by leftcoaster
Sun May 03, 2020 7:41 am
Forum: Investing - Theory, News & General
Topic: [Any MF/ETF focused on COVID-19 treatment or vaccine companies?]
Replies: 12
Views: 2017

Re: COVID-19 Buy the Basket

Or you could do a Google search on covid etf and find articles like New ETFs are coming to capitalize on corona virus . None exist yet. Pacer has filed with the SEC, to offer one with the ticker symbol VIRS. Index providers have created indexes but nobody's signed up to index them. As should be obv...
by leftcoaster
Sun May 03, 2020 6:10 am
Forum: Investing - Theory, News & General
Topic: [Any MF/ETF focused on COVID-19 treatment or vaccine companies?]
Replies: 12
Views: 2017

[Any MF/ETF focused on COVID-19 treatment or vaccine companies?]

Are there any MFs that have put together a basket of stocks for all of the companies racing to find a vaccine or a treatment? I can’t predict the winner, but it seems to me that buying the whole basket ensures that the winner is in there. And please do not answer “total stock”. I’m looking for a fun...
by leftcoaster
Mon Apr 27, 2020 10:55 am
Forum: Investing - Theory, News & General
Topic: REIT fund in taxable?
Replies: 11
Views: 653

Re: REIT fund in taxable?

Is there a scenario where an investor in the highest brackets federal and California would use Vanguard's REIT fund over its California intermediate muni fund in a taxable account? These two funds are not comparable. However, if you want to hold both bonds and REITs, there is a major advantage for ...
by leftcoaster
Sun Apr 26, 2020 12:03 pm
Forum: Investing - Theory, News & General
Topic: REIT fund in taxable?
Replies: 11
Views: 653

Re: REIT fund in taxable?

Is there a scenario where an investor in the highest brackets federal and California would use Vanguard's REIT fund over its California intermediate muni fund in a taxable account? I am specifically trying to understand how the latest federal tax law, which treats certain REIT dividends as pass-thr...
by leftcoaster
Sun Apr 26, 2020 11:47 am
Forum: Investing - Theory, News & General
Topic: REIT fund in taxable?
Replies: 11
Views: 653

REIT fund in taxable?

Is there a scenario where an investor in the highest brackets federal and California would use Vanguard's REIT fund over its California intermediate muni fund in a taxable account? I am specifically trying to understand how the latest federal tax law, which treats certain REIT dividends as pass-thro...
by leftcoaster
Sun Apr 26, 2020 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Where to buy a home in the Bay Area
Replies: 69
Views: 7992

Re: Where to buy a home in the Bay Area

OP needs to clarify requirements. A condo in SF is a totally different lifestyle than a SFH in Dublin. 40 minutes to SF is going to depend on where and how. Yeah Caltrain gets to SF quickly but then you’ve got to travel in the city. Same with ferry. BART has more stops, but how soon will you ride it...
by leftcoaster
Sun Apr 26, 2020 6:51 am
Forum: Personal Investments
Topic: In plan Roth conversion vs mega backdoor Roth ?
Replies: 20
Views: 1040

Re: In plan Roth conversion vs mega backdoor Roth ?

In plan for sure. Somewhat annoying to have to upload a form every two weeks but I just tweak the date in an editable pdf.

Employer plan has access to the vanguard products that are even cheaper than institutional, so it’s better in that way than a consumer Roth

We also have a brokerage option.
by leftcoaster
Fri Apr 24, 2020 5:01 am
Forum: Personal Consumer Issues
Topic: Pandemic leading to cost savings?
Replies: 14
Views: 1348

Re: Pandemic leading to cost savings?

I can see continuing my adventures in home barbering.
by leftcoaster
Thu Apr 16, 2020 3:24 am
Forum: Investing - Theory, News & General
Topic: My theory about FIRE
Replies: 419
Views: 31190

Re: My theory about FIRE

Much of it seems to be an updated version of the saying “no one ever lay on his deathbed wishing he’d spent more time at the office.”
by leftcoaster
Wed Apr 08, 2020 6:05 am
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 22104

Re: I Bonds are a screaming buy - Tipswatch

One thing that I have wondered about, and so I thought I would ask here. What is the Treasury Department's rationale for having a $10,000 limit in the first place? https://seekingalpha.com/article/4330526-i-bond-investors-time-to-buy I Bonds current real yield is 0.2%. TIPS have negative real yield...
by leftcoaster
Mon Mar 30, 2020 8:28 am
Forum: Investing - Theory, News & General
Topic: Get an additional $10k in savings bonds
Replies: 0
Views: 278

Get an additional $10k in savings bonds

I frequently see posters here (and the author of Tips Watch) saying that a married couple can only buy $20k (10k per person) in either series of savings bonds. In fact you can open a third account at Treasury Direct in the name of your revocable living trust, which many BHs have. The trust can purch...
by leftcoaster
Sun Mar 29, 2020 2:15 am
Forum: Investing - Theory, News & General
Topic: For a 20-year time horizon do bonds make sense any more?
Replies: 98
Views: 6019

Re: For a 20-year time horizon do bonds make sense any more?

I guess this is "market timing" but with bond yields being low for the foreseeable future (and bond NAVs losing value if rates do in fact increase) and stocks being "cheap" (well, up until the last few days, possibly cheap again in a few days or weeks), would it make sense to shift into a more aggr...
by leftcoaster
Tue Mar 10, 2020 9:46 am
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 22104

Re: I Bonds are a screaming buy - Tipswatch

Reminder that you can actually buy 20k - 10k personal and 10k in a revocable living trust. For a married couple that means 30k. And you can have all reissued to the trust. Add to that the 5k from an IRS refund and you can do 65k / year. How did you get 65k? Mary and Tom are married and each have th...
by leftcoaster
Tue Mar 10, 2020 9:25 am
Forum: Investing - Theory, News & General
Topic: I Bonds are a screaming buy - Tipswatch
Replies: 138
Views: 22104

Re: I Bonds are a screaming buy - Tipswatch

Reminder that you can actually buy 20k - 10k personal and 10k in a revocable living trust. For a married couple that means 30k. And you can have all reissued to the trust.

Add to that the 5k from an IRS refund and you can do 65k / year.
by leftcoaster
Sun Mar 01, 2020 10:31 am
Forum: Personal Investments
Topic: Sell now and start buying back in 3 months
Replies: 80
Views: 6221

Re: Sell now and start buying back in 3 months

Be fearful when others are greedy. Be greedy when others are fearful.
by leftcoaster
Thu Feb 06, 2020 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: long term care insurance versus self-insuring
Replies: 98
Views: 5372

Re: long term care insurance versus self-insuring

With 3.5% guaranteed, tax deferred and state tax free growth, wouldn’t EE bonds provide nearly equivalent benefit at the 20y mark, with guaranteed return of principal.

In other words if the goal is to self insure at no risk, couldn’t one use EE bonds to fund this anticipated expense?
by leftcoaster
Thu Feb 06, 2020 9:21 am
Forum: Personal Finance (Not Investing)
Topic: Career Advice: Medical Devices or Data Science/Machine Learning
Replies: 30
Views: 1693

Re: Career Advice: Medical Devices or Data Science/Machine Learning

Hello Bogleheads! I've come to respect this community and thought I might ask some career questions and see what I get :D I'm currently about halfway through a PhD in engineering that prepares me quite well for two paths I have interest in: neurotechnology and data science/machine learning. I'm ver...
by leftcoaster
Fri Jan 24, 2020 12:36 pm
Forum: Personal Finance (Not Investing)
Topic: Review: Mark Zoril - Planvisionmn
Replies: 39
Views: 2276

Re: Review: Mark Zoril - Planvisionmn

His business model only works with less complex portfolios doesn’t it? I thought he tried to make that clear in all the material that he provides for review prior to signing up. I think he personally uses nothing but Target date retirement funds. If RSUs and ESPPs are over the line of complex, then...
by leftcoaster
Fri Jan 24, 2020 7:17 am
Forum: Personal Finance (Not Investing)
Topic: Review: Mark Zoril - Planvisionmn
Replies: 39
Views: 2276

Re: Review: Mark Zoril - Planvisionmn

Surely you can understand that service can vary over time and that his surge in business may be causing him to favor less complex portfolios. His business model only works with less complex portfolios doesn’t it? I thought he tried to make that clear in all the material that he provides for review ...
by leftcoaster
Thu Jan 23, 2020 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Review: Mark Zoril - Planvisionmn
Replies: 39
Views: 2276

Re: Review: Mark Zoril - Planvisionmn

As he did with the OP, Mark Zoril was quick to offer to refund my $$ when I asked for something a little beyond the plan vanilla scenario he had worked into his base scenario. To clarify - he didn’t offer. He acted unilaterally. I'd love to see the full text of the email you sent to him. I suspect ...
by leftcoaster
Thu Jan 23, 2020 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Review: Mark Zoril - Planvisionmn
Replies: 39
Views: 2276

Re: Review: Mark Zoril - Planvisionmn

cognovimus wrote:
Thu Jan 23, 2020 7:41 am


As he did with the OP, Mark Zoril was quick to offer to refund my $$ when I asked for something a little beyond the plan vanilla scenario he had worked into his base scenario.
To clarify - he didn’t offer. He acted unilaterally.
by leftcoaster
Thu Jan 23, 2020 3:35 am
Forum: Personal Finance (Not Investing)
Topic: Review: Mark Zoril - Planvisionmn
Replies: 39
Views: 2276

Re: Review: Mark Zoril - Planvisionmn

My experience was the polar opposite and I will continue to recommend them to folks if I feel it is appropriate for their situation. Ditto. I've used Mark for over two years. It has been very valuable for financial advice and planning. I'm mostly DIY, but value a deep calibration discussion every y...
by leftcoaster
Wed Jan 22, 2020 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Review: Mark Zoril - Planvisionmn
Replies: 39
Views: 2276

Re: Review: Mark Zoril - Planvisionmn

I had successfully linked an employee stock plan with ESPPs and RSUs and renamed the accounts according to Mark’s instructions. I got an email from the assistant asking for a brokerage statement, explaining that “stock options” were very complicated. I answered that I don’t have “stock options,” bu...
by leftcoaster
Wed Jan 22, 2020 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Review: Mark Zoril - Planvisionmn
Replies: 39
Views: 2276

Re: Review: Mark Zoril - Planvisionmn

Very sorry to hear that you had a very bad experience and can appreciate your frustration. I expect that Mark would have straightened this out if you had given him the opportunity. Cheers I gave him the opportunity! He chose to issue a refund within moments of my flagging the error and without any ...
by leftcoaster
Wed Jan 22, 2020 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Review: Mark Zoril - Planvisionmn
Replies: 39
Views: 2276

Re: Review: Mark Zoril - Planvisionmn

ScubaHogg wrote:
Wed Jan 22, 2020 10:37 am
What is Plan Vision? I even went to the website and I’m still not sure? Kinda looks like an investment manager...
Financial planner using eMoney.
by leftcoaster
Wed Jan 22, 2020 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Review: Mark Zoril - Planvisionmn
Replies: 39
Views: 2276

Re: Review: Mark Zoril - Planvisionmn

Very sorry to hear that you had a very bad experience and can appreciate your frustration. I expect that Mark would have straightened this out if you had given him the opportunity. Cheers I gave him the opportunity! He chose to issue a refund within moments of my flagging the error and without any ...
by leftcoaster
Wed Jan 22, 2020 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Review: Mark Zoril - Planvisionmn
Replies: 39
Views: 2276

Review: Mark Zoril - Planvisionmn

Based on reviews posted here, I decided to give this service a try, in order to get an objective view on my situation. The short of it is that it went very badly. I watched the videos and followed the instructions carefully. I initially had some trouble linking accounts and sent a note. Mark was qui...