Search found 5876 matches

by stan1
Mon Oct 22, 2018 7:54 am
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard
Replies: 4
Views: 369

Re: TSP and Vanguard

stan1, The TSP / Vanguard combo is probably the most common one right now. I'd recommend doing the TSP Roth since there are no income restrictions. The main issue with the TSP Roth though is the limited investment options. I'm not sure how old you are are but my recommended TSP allocation is (40% C...
by stan1
Mon Oct 22, 2018 7:30 am
Forum: Investing - Help with Personal Investments
Topic: TSP and Vanguard
Replies: 4
Views: 369

Re: TSP and Vanguard

If you ever want to do a back door Roth IRA contribution you'll need to roll all of your Traditional IRA accounts into the TSP (or a 401K). You can do that later if you currently do not exceed the income limitations for a direct Roth IRA contribution.
by stan1
Sun Oct 21, 2018 10:04 pm
Forum: Investing - Theory, News & General
Topic: Is there a case for Active in fixed income?
Replies: 14
Views: 1135

Re: Is there a case for Active in fixed income?

On the other hand, I wouldn't mind paying the 0.20% ER for an actively-managed Vanguard Investment Grade fund, if I were looking for something a bit safer than the corporate bond indexes that skew toward BBB-rated bonds. I agree this is the only family of actively managed bond funds I'd consider to...
by stan1
Sun Oct 21, 2018 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: Any government guaranteed money market funds available?
Replies: 8
Views: 804

Re: Any government guaranteed money market funds available?

Vanguard Treasury Money Market fund holds only US treasury securities that are backed by the "full faith and credit of the United States Treasury". That's not a guarantee but its close but there's a whole lot worse problems we'll all be facing if the US treasury defaults on its debt. That fund has a...
by stan1
Sun Oct 21, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Quitting w/o notice
Replies: 86
Views: 4719

Re: Quitting w/o notice

If your current boss and co-workers are likely to help you find your next job and you have mutual respect for each other I'd give the two weeks notice. Use that time to make sure you have their professional and personal contact information. Keep your network intact. If you do decide to go back to wo...
by stan1
Sun Oct 21, 2018 6:18 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 37
Views: 2887

Re: What to do with >$1000 in Amazon credits?

Some ideas: There are clothing items that wear out that can all be purchased on Amazon. I usually get shoes and athletic clothes at Amazon these days. You can get some Darn Tough socks while you are at it. Anker USB fast chargers if your phone supports it. End of year means tax software. Agree with ...
by stan1
Sun Oct 21, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: How to tax loss harvest ETF lots with fractional shares?
Replies: 2
Views: 230

Re: How to tax loss harvest ETF lots with fractional shares?

Sell the whole shares. Vanguard will liquidate the fractional shares.
by stan1
Sun Oct 21, 2018 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - VTSMX => VFIAX + VEXAX in 4:1 ratio?
Replies: 2
Views: 140

Re: Tax Loss Harvesting - VTSMX => VFIAX + VEXAX in 4:1 ratio?

If you are going tax loss harvest in 2018 I'd use ETFs. The reason is because you don't want to tax loss harvest into something you wouldn't want to keep forever if the market is up after 30 days. ITOT = total stock market with 0.03% ER SCHB = total stock market with 0.03% ER VTI = total stock marke...
by stan1
Sun Oct 21, 2018 1:38 pm
Forum: Personal Consumer Issues
Topic: Short trip to Orlando with my parents and children
Replies: 18
Views: 895

Re: Short trip to Orlando with my parents and children

At those ages I strongly endorse Legoland. My kid loved it when they were that young, in fact more than Disney . The new onsite hotel is great, the park is low-stress, and the whole thing is less exhausting for folks over 65. The other Orlando parks are great, obviously, but your kids will enjoy th...
by stan1
Sun Oct 21, 2018 12:44 pm
Forum: Personal Consumer Issues
Topic: Why Purchase an Automobile using Premium Gasoline?
Replies: 68
Views: 2745

Re: Why Purchase an Automobile using Premium Gasoline?

I recently bought a Honda Accord 2.0T EX-L instead of a BMW 330i. The BMW that "requires" premium unleaded was better in every way (performance, interior, seats). I even preferred the smaller dimensions of the 3 series over the Accord. In the end I decided the Accord was good enough and saved about ...
by stan1
Sun Oct 21, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Selling to CarMax if maintenance light is on?
Replies: 33
Views: 2777

Re: Selling to CarMax if maintenance lights on?

For an 11 year old car with some body damage that also needs maintenance I'd sell it to Car Max (especially if it might also need new tires). You'd be close to putting $1 into it in order to get $1 back plus spending your own time on it. Car Max quote is good for 7 days and they will tell you if the...
by stan1
Sat Oct 20, 2018 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Ally 1% bonus and cashing out muni fund
Replies: 17
Views: 1151

Re: Ally 1% bonus and cashing out muni fund

What's the opportunity cost? What would you be doing with your time if you weren't moving money from Vanguard to Ally (and then maybe back once you've banked the $1000)?
by stan1
Sat Oct 20, 2018 9:22 pm
Forum: Investing - Help with Personal Investments
Topic: 401K and general asset allocation advice
Replies: 8
Views: 595

Re: 401K and general asset allocation advice

At age 28 I'd recommend 80-90% equities and 10-20% bonds. About 1/3 of the equities in international. Because you are using funds like Vanguard Balanced and Total World it is a little difficult to track. Agree with rolling over the old 401K to the current 401K. The current 401K has good investment c...
by stan1
Sat Oct 20, 2018 9:21 am
Forum: Investing - Theory, News & General
Topic: DFA small value... acitve management?
Replies: 53
Views: 2467

Re: DFA small value... acitve management?

The S&P500 has added 16 companies this year, and 26 in 2017. Are Standard and Poor's active managers? Yes, they are! The S&P 500, 400, and 600 are managed by a committee of people using a rules based methodology not strictly market capitalization. The gory details are here: https://us.spindices.com...
by stan1
Sat Oct 20, 2018 9:10 am
Forum: Investing - Theory, News & General
Topic: DFA small value... acitve management?
Replies: 53
Views: 2467

Re: DFA small value... acitve management?

Weighting by market capitalization is just another rule. If you've chosen to invest in market capitalization weighted index funds/ETFs you've made an active decision to favor a strategy.
by stan1
Sat Oct 20, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10309

Re: Should we move to San Diego from east coast?

For the most part kids who live in San Diego go to playgrounds, play soccer or another sport, go on a hike with a scouting troop, do school projects, go to their friends house and play in the pool, and similar. Few families go to the beach every weekend. So I'd say activities are the same as everywh...
by stan1
Fri Oct 19, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10309

Re: Should we move to San Diego from east coast?

It looks like quite a bit available for $1-$1.5m the market was much tighter a year ago but seems like more inventory in the last 3mo or so. For some folks the fancier house, more land, and other things are more important. For me quality of life outside of the house is more important. Glad both opt...
by stan1
Fri Oct 19, 2018 10:03 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10309

Re: Should we move to San Diego from east coast?

I am inland several miles and 22 miles north of San Diego. It will be 90 degrees in my area today and extreme fire danger. Here is a spec house just completed in my neighborhood: https://www.estately.com/listings/info/17878-corazon-place This house is not my cup of tea at all- I think it's a poor l...
by stan1
Fri Oct 19, 2018 8:01 am
Forum: Personal Consumer Issues
Topic: Replace roof or wait .... and
Replies: 14
Views: 884

Re: Replace roof or wait .... and

I would not spend extra for upgraded materials if you are selling ($50K sounds like a lot). You won't get that back. If the roof will pass inspection I would not replace it. You won't get the money you put into it back. I would price the house in line with comps and then be prepared to negotiate dow...
by stan1
Fri Oct 19, 2018 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Should we downgrade our house?
Replies: 43
Views: 3738

Re: Should we downgrade our house?

Yeah, I've been asking a lot of questions about Atlanta. It's a different layout than any city we've lived in before. I sure hope the job opportunity is good. It's a very serious transition for us in more ways than one. I'd really consider renting at first in those circumstances. What I don't think...
by stan1
Thu Oct 18, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Tip Furniture Delivery?
Replies: 12
Views: 1064

Re: Tip Furniture Delivery?

$10 per guy. It's hard work I don't want to do myself & appreciate their presence.
by stan1
Thu Oct 18, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Namibia question
Replies: 11
Views: 969

Re: Namibia question

You've been to Africa 40 times. You already know how to travel safely in Africa and either know how to handle the unexpected yourself or know to pay someone to get you around the hurdles. I've only been to Africa four times including places like Cameroon and Mozambique that are not tourist destinati...
by stan1
Thu Oct 18, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10309

Re: Should we move to San Diego from east coast?

To summarize this entire thread: Pros: The weather Cons: Just about everything else :wink: Based on your response, I guess you don't know San Diego. In my experience, SD area has the nicest people for a big city, much nicer than a lot of places of all sizes. Right, I think he/she got confused with ...
by stan1
Tue Oct 16, 2018 7:47 am
Forum: Personal Consumer Issues
Topic: Pet Insurance company recommendation
Replies: 19
Views: 1419

Re: Pet Insurance company recommendation

What is the breed of the dog? What is your annual income (ability to self insure)? What is the premium? Is there a maximum payout? At what age is the dog no longer eligible for coverage? Do the rates go up as the dog gets older?
by stan1
Tue Oct 16, 2018 7:36 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio, Investments, Spending Feedback - What would you tweak?
Replies: 9
Views: 597

Re: Portfolio, Investments, Spending Feedback - What would you tweak?

2) Taxes: You say you make $400K/year but then you say you are in the 37% tax bracket which is over $600K for MFJ. I'd reconsider the high yield bonds in a taxable account. Is all of the mortgage interest deductible in 2018? 3) Life Insurance: How old are your kids? How much does your wife make? I t...
by stan1
Mon Oct 15, 2018 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Relocation to California
Replies: 49
Views: 4130

Re: Relocation to California

I think many people stay in LA because of family so you'd by no means be alone among co-workers and friends and probably even other family members. Given all you describe I'd move & rent at first in an area close to your family members so you and your wife can spend time with them. If you have to dr...
by stan1
Sun Oct 14, 2018 9:33 pm
Forum: Investing - Theory, News & General
Topic: Does international really buy you diversification?
Replies: 43
Views: 4472

Re: Does international really buy you diversification?

Once you take that out, is there really any benefit is a big question mark. At least with large cap multi-nationals choosing GM, Ford, Apple, Bank of America, Pfizer, and Exxon over Toyota, BMW, Samsung, HSBC, Roche, and Shell seems like an active stock picking play. Looking back 50 years ago I wou...
by stan1
Sun Oct 14, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10309

Re: Should we move to San Diego from east coast?

traffic problems due to overcrowding. I went to college in La Jolla back in the days when a parking space could be had near the popular beaches. However, my many visits in the last 10-15 years got me nowhere near those beaches in La Jolla even during the weekdays. I'll give you that street parking ...
by stan1
Sun Oct 14, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Bed bug problem attack plan
Replies: 19
Views: 2020

Re: Bed bug problem attack plan

HOA board or management company is likely to say this is an issue between you and your neighbor and will decline to get involved. Read your CC&Rs before contacting the HOA or the neighbor.
by stan1
Sun Oct 14, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10309

Re: Should we move to San Diego from east coast?

We are in the suburbs of Philadelphia, and annual combined income of 195k. Our family lives in La Jolla and we surely would be looking at towards north country, SD. La Jolla is too expensive, we are seriously thinking about it but the plan is to move in a year or so if we do. Trying to see if we ca...
by stan1
Sun Oct 14, 2018 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Need guidance on charting next life steps
Replies: 27
Views: 2029

Re: Need guidance on charting next life steps

I don't have a lot of advice for you other than to keep your options open, be flexible, and consider many options (which seems to be what you are already doing). I hope the path is clearer in a few months.
by stan1
Sun Oct 14, 2018 12:45 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review
Replies: 6
Views: 569

Re: Portfolio Review

You are doing just fine. No need to ask for advice or change anything except rebalance to your desired asset allocation. You are very fortunate to have great access to low cost index funds in all of your accounts. You also have good incomes in a low cost of living state. Q1) Your asset allocation sa...
by stan1
Sun Oct 14, 2018 12:18 pm
Forum: Personal Consumer Issues
Topic: Should we move to San Diego from east coast?
Replies: 138
Views: 10309

Re: Should we move to San Diego from east coast?

Utilities: Yes cost of electricity and natural gas is high but climate is ideal for rooftop solar so buy a house with good southern exposure and no tall trees nearby. Rooftop solar also addresses the high cost of gasoline issue if you have an electric vehicle. In coastal or central areas you won't n...
by stan1
Sun Oct 14, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Joint Home Owners - Property Tax and Mortgage Deductions
Replies: 9
Views: 1002

Re: Joint Home Owners - Property Tax and Mortgage Deductions

It sounds like you want to treat it as your second home so that's how you'd want to look at mortgage and property tax deductions. You do not need to be looking at how to handle a rental property. As a second home you do not charge rent and you cannot depreciate or deduct expenses. You didn't mention...
by stan1
Sat Oct 13, 2018 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: I'm an employer looking to get the best 401k deal for my employees!
Replies: 17
Views: 1208

Re: I'm an employer looking to get the best 401k deal for my employees!

I found this thread on Employee Fiduciary:
viewtopic.php?t=244838

There's quite a few more, probably worth searching and if you PM a few posters you might get a response.
by stan1
Sat Oct 13, 2018 8:38 pm
Forum: Personal Finance (Not Investing)
Topic: I'm an employer looking to get the best 401k deal for my employees!
Replies: 17
Views: 1208

Re: I'm an employer looking to get the best 401k deal for my employees!

I am aware of "Ubiquity" and "Employee Fiduciary" who specialize in working with smaller businesses but have no other personal experience good or bad with them. Employee Fiduciary says they offer Vanguard funds and their AUM fee is 8 bps.
by stan1
Sat Oct 13, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Suit for Teenager
Replies: 18
Views: 1188

Re: Suit for Teenager

Ooh, I had no idea Uniqlo had suits. Thanks. H&M also has suit separates. In any case I'd recommend getting it tailored as that's the best way for him to look sharp and modern if that is what the occasion calls for. Let the tailor know you want him to be able to grow into it and she will leave some...
by stan1
Sat Oct 13, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: Mexican Pacific Beaches
Replies: 58
Views: 6578

Re: Mexican Pacific Beaches

This post is a year and a half old. Maybe OP will come back and tell us where they decided to go and what they thought?
by stan1
Sat Oct 13, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: Do 529 and DAF count for wash sales
Replies: 6
Views: 458

Re: Do 529 and DAF count for wash sales

DAF: No, you do not own the holdings in the DAF. You gift them to the sponsor charity when you make the contribution. You also just make a recommendation on the investment choices. 529: If parent is the owner the intent might be yes it is a wash sale but in gray area because only IRA and Roth IRA ar...
by stan1
Fri Oct 12, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Rate of return calculation
Replies: 4
Views: 539

Re: Rate of return calculation

I do it myself in a spreadsheet using the Excel XIRR function.
by stan1
Fri Oct 12, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: whats the consensus on muni % allocation
Replies: 9
Views: 1221

Re: whats the consensus on muni % allocation

so I'm interested in why you picked out of state munis also.. because they won't have a tax advantage to you.. it's just all about risk then? I'm wondering as I am moving to CA. so I guess I figured to put all munis to CA to avoid CA tax, but I'm interested to your allocation to other muni's as I g...
by stan1
Fri Oct 12, 2018 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: TLH: Small Cap Value (VSIAX)
Replies: 3
Views: 330

Re: TLH: Small Cap Value (VSIAX)

Your options are (ranked per my preferences): 1) Use small cap value ETF such as IJS or VIOV. If I'd made the decision I wanted small cap value in my asset allocation I wouldn't buy a small cap blend or midcap value fund. 2) Treasury money market fund for 31 days if over $50K, otherwise Prime or Fed...
by stan1
Fri Oct 12, 2018 2:13 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5429

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

Vanguard already has an alternative to a minimum balance called a brokerage account that can be invested in ETFs. No fee with e-delivery. I realize some people here are still skeptical about ETFs and want the enforced discipline that comes with frequent trading restrictions on Vanguard mutual funds.
by stan1
Fri Oct 12, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5429

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

Vanguard, Blackrock iShares, State Street SPDRs, and Schwab all offer low cost index ETFs that are transportable to different brokerages at no additional cost for taxable investors. Mutual funds less so. Vanguard also has proven past performance of lowering expense ratios of existing funds/ETFs whic...
by stan1
Fri Oct 12, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest IXUS into IEMG and IDEV
Replies: 7
Views: 378

Re: Tax loss harvest IXUS into IEMG and IDEV

It seems like ixus/idev is more tax efficient as compared it vxus/iemg. My plan was to break it up and put IDEV in taxable and IEMG in tax advantaged accounts. My goal is not really to change the allocation of developed to emerging but to break it up and have better placement. Makes sense? You coul...
by stan1
Fri Oct 12, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest IXUS into IEMG and IDEV
Replies: 7
Views: 378

Re: Tax loss harvest IXUS into IEMG and IDEV

If you just want to tax loss harvest IXUS why not use VXUS?

If you want to change your asset allocation to split between developed and emerging then I'd use IDEV/VEA and IEMG/VWO as TLH pairs.
by stan1
Thu Oct 11, 2018 9:25 pm
Forum: Investing - Theory, News & General
Topic: When will you backup the truck on stocks
Replies: 95
Views: 8283

Re: When will you backup the truck on stocks

When it’s time to back up the truck, things will look bad enough that you are not going to want to back up the truck. Best answer in the thread. I don't think there were many "back up the truck" threads on the forum in late 2008 and early 2009. Really? I mean you are saying like this thread here ht...
by stan1
Thu Oct 11, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest international small cap with what?
Replies: 11
Views: 405

Re: Tax loss harvest international small cap with what?

At this time, I'm leaning towards TLH into SCHC ("Schwab International Small-Cap Eq ETF") and adding a little bit of VWO ("Vanguard Emerging Markets Stock Index Fd") to compensate for the loss of emerging markets. I wouldn't worry about that right now. You might be back in VSS in 31 more days (or 3...
by stan1
Thu Oct 11, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvest international small cap with what?
Replies: 11
Views: 405

Re: Tax loss harvest international small cap with what?

I would tax loss harvest the $5K. The lesson I learned back in 2008 was not to TLH into something I didn't want to keep long term. You never know when the market will stay up and you'll be stuck with what you have. You could leave the resulting cash in your money market fund for 31 days and buy VSS ...
by stan1
Thu Oct 11, 2018 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Mold on inspection, need advice
Replies: 30
Views: 2239

Re: Mold on inspection, need advice

Your post doesn't give enough information to know if this is a pinhole leak in the roof that went unnoticed or a roof that was neglected for years with damage to the entire ceiling. How large is the area with mold? Mold grows anywhere there is moisture. In a wet or humid climate that's hard to avoid...