Search found 2191 matches

by Leif
Mon Dec 11, 2017 1:09 pm
Forum: Investing - Theory, News & General
Topic: Small cap value vs. total market?
Replies: 34
Views: 2543

Re: Small cap value vs. total market?

Large caps, such as TSM and TISM, will do better in some years. Small caps will do better in other years. Large caps did well in the 90s. Small caps did well in the 0s. Same type of idea for growth vs. value. So what I do is diversify not only in the total number of stocks owned, but also based on s...
by Leif
Sun Dec 10, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 190
Views: 13147

Re: Prepayment of SALT Taxes? [State and Local]

I noted to the effect if there are “changes” next year one may not be able to deduct at all and will have paid early. Paid early, to my mind, as not as bad as having the deduction in 2017 disallowed and having to pay interest and penalties for underpayment of my 2017 taxes. The risk, to me, seems t...
by Leif
Sun Dec 10, 2017 5:20 pm
Forum: Personal Finance (Not Investing)
Topic: Prepayment of SALT Taxes? [State and Local]
Replies: 190
Views: 13147

Re: Prepayment of SALT Taxes? [State and Local]

I read the link in the second post by LadyGeek from TurboTax. That says prepaying the state tax is deductible in the current year. However, what I did not see (or missed), in this thread is what happens if the state income tax becomes non-deducible (for whatever reason) in the following year. It see...
by Leif
Sat Dec 09, 2017 7:48 pm
Forum: Investing - Help with Personal Investments
Topic: If you use EE Bonds, what did drive your decision
Replies: 36
Views: 2030

Re: If you use EE Bonds, what did drive your decision

At the time they allowed the use of credit cards to purchase. The cash back bonus, and the 17 year doubling, was enough for me.
by Leif
Thu Dec 07, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 54
Views: 19842

Re: Fidelity charges to close accounts!

Earl Lemongrab wrote:
Thu Dec 07, 2017 4:44 pm
Where's the evidence that it does that?
lws6772 wrote:
Wed Dec 06, 2017 6:04 pm
One of the reasons I've yet to open an account with Fidelity.
by Leif
Thu Dec 07, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 147
Views: 15105

Re: A good friend has nearly $1M in BitCoin what do I tell him?

BitCoin is suppose to be an alternate currency, right? If so it is a poor one. Ideally currencies have a stable value. It seems to me it is being primarily used for speculation. Lets see how far the "greater fool" theory runs. The greater fool theory states that the price of an object is determined ...
by Leif
Thu Dec 07, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 54
Views: 19842

Re: Fidelity charges to close accounts!

^

All you need to do is read the posts above to determine if it is a good move. That other firms do it is not an excuse as far as I'm concerned. I'll bet they are losing new business as a result. They should be concerned about that.
by Leif
Thu Dec 07, 2017 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity charges to close accounts!
Replies: 54
Views: 19842

Re: Fidelity charges to close accounts!

Most of the long-established, customer-focused brokers will refund the fee if you transfer assets there. I heard there is one broker in Pennsylvania who won't. But they have only been around since 1975 or so. I guess this brokerage firm has more money then they know what to do with :shock:. No poin...
by Leif
Thu Nov 30, 2017 11:53 am
Forum: Personal Finance (Not Investing)
Topic: A good friend has nearly $1M in BitCoin what do I tell him?
Replies: 147
Views: 15105

Re: A good friend has nearly $1M in BitCoin what do I tell him?

Tell him he is playing musical chairs. The music at some point will stop. But when it does stop there will not be a winner.

Ask him to google "Tulip Mania".

Probably will not do any good 'tho. He has probably heard many naysayers over the years.
by Leif
Wed Nov 29, 2017 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 96
Views: 7638

Re: Divs and Cap Gains are killing me

ps56k wrote:
Tue Nov 28, 2017 4:42 pm
I'll have to take a look at my mutual funds, and see how to tell what to expect in the CG area - and if it would make any sense to migrate...
I hope you let us know your decision, and your analysis. I think many would find is interesting and possibly useful.
by Leif
Tue Nov 28, 2017 4:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?
Replies: 132
Views: 11609

Re: Vanguard to launch US 'smart beta' ETFs - Will this board burn down?

Great news. I think DFA will need to make some significant ER price drops with this type of competition. Perhaps DFA will finally put out ETFs. If not, well all my DFA funds are in retirement accounts...
by Leif
Mon Nov 27, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 96
Views: 7638

Re: Divs and Cap Gains are killing me

I went with tax efficient funds in taxable. That includes TSM and ITSM (EAFE) funds. Asset location matters. Your gains are baked in at this point. My only suggestion would be to sell them if they take a significant drop, and replace them with efficient (low turnover) funds, such as tax managed and ...
by Leif
Wed Nov 22, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: Tesla truck unveil
Replies: 142
Views: 8865

Re: Tesla truck unveil

A fully-loaded semi that can do 0-60 in 5 seconds? That sounds potentially dangerous given the size, and potential cargo shifting. And what about when the truck is empty and you have a hot-head boy-racer driver? No driver has experience controlling that combination of power weight and size in an 18...
by Leif
Tue Nov 21, 2017 8:31 pm
Forum: Investing - Theory, News & General
Topic: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]
Replies: 397
Views: 68064

Re: [Book: Living off Your Money, by M. McClung (Prime Harvesting)]

I guess my worry is that when using this system with a low withdrawal rate my portfolio could become too bond-heavy although that would take awhile. I still (hopefully) have a 40 year horizon (age 52). I will use my Social Security at age 70 as the Guaranteed Income portion. I'm also planning on us...
by Leif
Tue Nov 21, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25749

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

The WEBSERVICE function is only available in Excel 2013 and later, so that's your issue. Thanks for that note. I have Excel 2011 (Mac Version) and I was having the same issue so I gave up on that path. I've reprogramed to use Google Sheets. That works fine, but a bit annoying, to have a one day del...
by Leif
Thu Nov 09, 2017 7:12 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25749

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

I went the Google Finance route first. They are indeed very late on mutual fund quotes and those are all I need. That's why I went with the Yahoo workaround. I tested it the other night and the current day price was updated as of 5:45 pm EST. For me I need this to be super simply, or I will not do ...
by Leif
Thu Nov 09, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25749

Re: [Yahoo Finance no longer works - Alternatives to download securities quotes]

The steps I go through are: 1. Navigate to the Yahoo portfolio page. 2. Right click on Export link. Choose "Save Link As..." Confirm filename as "quotes.csv". 3. Open quotes.csv in Excel. Open asset allocation spreadsheet in Excel. 4. Copy quotes.csv data to clipboard. 5. Paste data into quotes tab...
by Leif
Tue Nov 07, 2017 11:19 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

It's affected by cycles, calendar time, time spent at high states of charge, depth of discharge, temperature, discharge rate, and charge rate. All true. To that I would add battery chemistry. My Tesla model S 90D battery uses different chemistry then the 85D. They added silicon to the anode to give...
by Leif
Mon Nov 06, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

btenny wrote:
Mon Nov 06, 2017 12:57 pm
Is the big federal deduction of $7500 going away after 2017? Is the federal tax deduction going to change with the tax change and update?
We don't know, and law change speculation is not permitted here.
by Leif
Mon Nov 06, 2017 12:58 pm
Forum: Investing - Theory, News & General
Topic: Google sheets help importing Vanguard 529 Expense Ratio
Replies: 11
Views: 684

Re: Google sheets help importing Vanguard 529 Expense Ratio

There is an option for the googlefinance function called "expenseratio". The various function arguments below.

https://support.google.com/docs/answer/3093281?hl=en
by Leif
Mon Nov 06, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

To be very fair, the person owning Tesla S is NOT of the type to drive the vehicle for 300-400K. He probably upgrades it in few short years to newer and fancier model. In this it's reasonable in the context of the TCO for someone who owns another type/brand of car for several hundred thousand miles...
by Leif
Sun Nov 05, 2017 11:21 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25749

Re: Excel Macro using Yahoo Finance- not working

The Google Sheets/Google Finance approach works too. I used that for a day before discovering the SMF Add-in and the smfGetYahooPortfolioView function. The data just wasn't as good as Yahoo's. Mutual funds aren't updated until after 10 PM. And it doesn't include IV tickers for ETFs. I've updated my...
by Leif
Sat Nov 04, 2017 11:37 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

sandramjet wrote:
Sat Nov 04, 2017 11:28 pm
(is there a web page somewhere that shows charger locations like it does for Superchargers?)
One of the better ones (use is free) is plugshare and www.plugshare.com.
by Leif
Sat Nov 04, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

So my question to those who have actually used EV's for long trips, what do you think? How important is the Supercharger network? How much longer might it take to do a 350mile trip in Bolt vs Tesla? How easy is it to charge a Bolt on the road ? I have a Tesla Model S since December. I've taken one ...
by Leif
Fri Nov 03, 2017 9:45 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25749

Re: Excel Macro using Yahoo Finance- not working

My guess is that the link requires permission to access the data. In other words, a user has to be logged in as you in order to view the data. When you click the link, it goes to a browser on which you are logged in, so the browser shows the data. However, Excel is accessing it anonymously, so it c...
by Leif
Fri Nov 03, 2017 7:23 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25749

Re: Excel Macro using Yahoo Finance- not working

Double check your googlesheet has all the data and columes you want. Maybe rename and republish. Then back in Excel 2016 (maybe other versions too), make sure URL is correct, and review the properties of your query. You can edit how Excel Data Connector brings in the data. You can select which colu...
by Leif
Fri Nov 03, 2017 4:21 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25749

Re: Excel Macro using Yahoo Finance- not working

The functions you need to use are: -"getDate" : Cell as a Date time -"getPrice" : Cell as Currency Also you are getting a reference error, should be fixed adding Excel. before Application Excel. Application.WebService... I'm afraid I'm still getting an error. In Excel it is #Value! when I added get...
by Leif
Fri Nov 03, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25749

Re: Excel Macro using Yahoo Finance- not working

Hello there!! I use this website to download data automatically too. It is working. You have to register to get a passcode for make the query. When I get time I will post an excel macro to get data from this site. https://www.alphavantage.co/ I hope this helps. (gekko) A got an API key and added. W...
by Leif
Fri Nov 03, 2017 9:48 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25749

Re: Excel Macro using Yahoo Finance- not working

More likely that Yahoo, by providing the data via an API, was violating the license agreement with whoever is providing the data to Yahoo. Anyhow... try the google sheets trick I pointed to above. You create a google sheet Put the TICKER SYMBOLS you want in column A, sorted alphabetically Put this ...
by Leif
Thu Nov 02, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25749

Re: Excel Macro using Yahoo Finance- not working

Did anyone notice that the post my admin Nixon, that the feature was discontinued, was made on 5/17/2017? Nixon Administratin' 'Hoo Nixon Administratin' 'Hoo ‎05-17-2017 02:59 PM Re: Is Yahoo! Finance API broken? Hi All - This feature was discontinued by the Finance team and they will not be reintro...
by Leif
Thu Nov 02, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25749

Re: Excel Macro using Yahoo Finance- not working

This was posted on yahoo.uservoice.com: AdminYahoo Product Support (Admin, Yahoo) responded · November 02, 2017 It has come to our attention that this service is being used in violation of the Yahoo Terms of Service. As such, the service is being discontinued. For all future markets and equities da...
by Leif
Thu Nov 02, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

A lot of keyless systems just require you to have they key. You don't have to place it anywhere. You walk up, push a button and drive away. No looking for a key. If the key card is too much trouble then use the cell phone. With the cell phone you walk up, push a button, and drive away. No looking f...
by Leif
Thu Nov 02, 2017 12:16 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 254
Views: 25749

Re: Excel Macro using Yahoo Finance- not working

Same thing happened to me today. I've had this happen to me on rare occasions. Hopefully it will be resolved tomorrow.
by Leif
Wed Nov 01, 2017 10:03 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

A lot of keyless systems just require you to have they key. You don't have to place it anywhere. You walk up, push a button and drive away. No looking for a key. If the key card is too much trouble then use the cell phone. With the cell phone you walk up, push a button, and drive away. No looking f...
by Leif
Wed Nov 01, 2017 1:47 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

The major factor on degradation is discharge cycles. A smaller battery does more cycles to go the same miles. A Tesla at 200k miles SHOULD have the same degradation as a LEAF at 65k miles, even if they have the same battery type, TPMS and the LEAF battery was 1/3rd the size (i.e. 30 kWh versus 90kW...
by Leif
Wed Nov 01, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

The key card is supposed to be a fall-back. It doesn't work like a typical keyless entry system. You have to put it on the b-pillar to open the door, and then in a specific place in the car to start the car. A proper keyless entry system like on other cars is far superior and easier to use. Whether...
by Leif
Wed Nov 01, 2017 12:04 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

Many people have reported problems with later Leafs than mine. Even some 2016s with the 30 kWh battery have already lost a lot (many bars, lot of capacity). I was just reading about this on the SF Bay Nissan Leaf facebook group. My own Leaf couldn't do more than 55 miles on the freeway on day 1 in ...
by Leif
Wed Nov 01, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

visualguy wrote:
Tue Oct 31, 2017 8:49 pm
Requiring a cell phone to open the doors...
Not true. For the benefit of those reading that are not as familiar, the car can be opened, and run, with a key card as well.
by Leif
Tue Oct 31, 2017 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Fastest way to transfer cash from Fidelity to Vanguard
Replies: 10
Views: 1459

Re: Fastest way to transfer cash from Fidelity to Vanguard

The fastest transfer speed is a wire. As others mentioned, that may involve fees. I've done xfers (ACH) between Fidelity and Vanguard both ways, set up from the Vanguard side. It took a couple of days. Fidelity, in my experience, is slower. I've setup a periodic same amount xfer from Fidelity. That ...
by Leif
Mon Oct 30, 2017 9:19 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 26457

Re: Iphone X is $1000

By "sold out," I'm pretty sure the poster meant the phones that were guaranteed to arrive on launch day. In other words, if you order now, Apple is saying you shouldn't expect it to ship for 5-6 weeks. Apple reportedly has 2-3 million on hand, and those "sold out" within minutes. Apple always plays...
by Leif
Sat Oct 28, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

DanMahowny wrote:
Sat Oct 28, 2017 1:35 pm
I cancelled my Model 3 order. And shorted Tesla stock.

That's what I call a WIN-WIN.
I guess we will see. People in Tesla shortsville have experienced a lot pain in the past.
by Leif
Sat Oct 28, 2017 1:36 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

I agree for a commuter car. If I had a Bolt I would certainly want a ICE car or Tesla model S/X (with the supercharger network) for longer trips. Probably more economical to rent a car for road trips. True. I currently have a Model S and an Accord. I'm not planning to buy any more fossil cars.
by Leif
Sat Oct 28, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 320
Views: 23349

Re: To take or not to take delivery of Tesla 3

It took just over 3 weeks to receive my refund in the mail. Clark Howard recently opined that a used Tesla S is a much better deal than a new Model 3. He claims you can get a used S for the mid $40,000s, and believes it is a much better car than the 3. I don’t know much about the variations of the ...
by Leif
Sat Oct 28, 2017 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 7790

Re: Can I retire today?

Teague, Why would you quit now and make your boss's life easier? I would just smile and say no to him/her whenever something needs to be done. KlangFool For me that would be stressful. Probably involve meetings with HR. Probably lead to firing. If you can negotiate a layoff you may be eligible for ...
by Leif
Fri Oct 27, 2017 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire today?
Replies: 132
Views: 7790

Re: Can I retire today?

Assume all assets are 35% S&P 500, 65% intermediate bond fund I think, at your age, should be: 80% stocks and 20% cash. Woah there pardner! That's the deep end of the pool, no?! Very deep, yes. I always glance at the post count when I get advice. I also think at 50/50 is good, based on your pension...
by Leif
Fri Oct 27, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 242
Views: 69184

Re: Stay the course

The closing price of the S&P 500 Index was 969 on the last day in October, 2008 (the month you posted your message). Today the S&P 500 Index hit an all-time high of 2,137. How soon we forget. It's been about 15 months since Taylor's post above, and literally yesterday I read another post complainin...
by Leif
Tue Oct 17, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 7745

Re: How many miles/years do you keep your car?

I typically keep a car for at least 10 years, sometimes 15. I drive about 12-15K/year. With my new Tesla Model S I may not keep it that long. Not that I think it will have problems in aging. Probably less then fossil cars. But, battery tech will probably improve over the next 5-10 years. Battery and...
by Leif
Sun Oct 15, 2017 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Why not CDs instead of Short Term Bonds or TIPS
Replies: 24
Views: 3366

Re: Why not CDs instead of Short Term Bonds or TIPS

Why not just start a 5-year CD ladder in my 401k (@ Fidelity). It currently yields around 1.93% for a 5-year ladder. No loss of capital, FDIC insured. Yes, no inflation protection. Would this be a better strategy? I think so. That is what I'm doing. The other risk is a rise in rates. I try to get C...
by Leif
Tue Oct 10, 2017 11:31 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 1002
Views: 174572

Re: Tesla ride

The acceleration was almost unbelievable and seems useless to me. I'm not into showy. But it is nice to have the acceleration when you need it. Unlike most fossil cars it has good acceleration at almost any speed. Hands off the steering wheel was scary and appeared to me not to work perfectly becau...
by Leif
Mon Oct 09, 2017 12:28 am
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 16373

Re: Bogle himself is saying we will expect like 3% for the next decades

This video is from a year ago. I'm sure his 10 year estimate has gone down based on current valuations.