Search found 6274 matches

by stan1
Wed Jan 23, 2019 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Appropriate allocation of Church funds
Replies: 11
Views: 661

Re: Appropriate allocation of Church funds

You could:
- Look for a new church
- Stay and fight
- Stay and over probably years try to build the pastor and elders trust. Look for a few small victories at a time.
- Stay and be ready to jump in to save the day when there is a crisis and no one knows what to do
- Stay and not worry about it
by stan1
Tue Jan 22, 2019 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Young couple figuring out contributions, allocation, and forced 401k closure
Replies: 6
Views: 959

Re: Young couple figuring out contributions, allocation, and forced 401k closure

Absolutely you should open the Donor Advised Fund since you donate 10% of income per year to charity and don't have a 401K with one employer right now. Realize capital losses and transfer gains to the DAF. California taxes capital gains as ordinary income. It's a good way to celebrate your wins in y...
by stan1
Mon Jan 21, 2019 6:44 pm
Forum: Personal Finance (Not Investing)
Topic: Which Brokerage Companies send Stock Annual Reports (regardless of your settings)?
Replies: 2
Views: 150

Re: Which Brokerage Companies send Stock Annual Reports (regardless of your settings)?

You can download annual reports and other documents from the investor relations web site of the companies (download, no need to print).

Such as:
https://investor.apple.com/investor-rel ... fault.aspx
by stan1
Mon Jan 21, 2019 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Sell my condo ?
Replies: 14
Views: 1184

Re: Sell my condo ?

In general I would sell. You should have several realtors give you a comparative market analysis and look at recent sales yourself to help you understand what price the condo might sell for. In large cities there can be hundreds of condos on the market at one time. A two bedroom one bath condo is al...
by stan1
Mon Jan 21, 2019 10:22 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax for 2018
Replies: 8
Views: 1029

Re: TurboTax for 2018

If I plan on NOT itemizing this year, and have just the typical 2-earner family with two kids, house (mortgage, but not enough interest to rise above new standard deduction with SALT limit in place), and a few dollars in dividend income from my taxable account, Can I expect to use the free version ...
by stan1
Mon Jan 21, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Paying thousands per ticket to attend the NFL Super Bowl?
Replies: 138
Views: 6340

Re: Paying thousands per ticket to attend the NFL Super Bowl?

This is going the way of many Boglehead consumer product threads. Any purchase others enjoy that I don't enjoy is frivolous but purchases I like are absolutely worth it. Countless threads on RVs, boats, horses, dogs, jewelry, premium airfare, international vacations, any car other than a Toyota Coro...
by stan1
Sun Jan 20, 2019 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: "Buy term life because it is cheap"
Replies: 21
Views: 2650

Re: "Buy term life because it is cheap"

I have gone through a broker for term life because I will be able to save approx 150 a year compared to my current policy. I am increasing my coverage but even less than 10x my income it seems pretty expensive. I have a good health rating. Do people say term life insurance is "cheap" compared to wh...
by stan1
Sun Jan 20, 2019 3:37 pm
Forum: Investing - Theory, News & General
Topic: The Value "Premium" has been ZERO for 30 years
Replies: 104
Views: 8111

Re: The Value "Premium" has been ZERO for 30 years

hohum wrote:
Sun Jan 20, 2019 3:35 pm
What's this, then?

Portfolio visualizer is wrong?
Put in 100% large cap value
by stan1
Sun Jan 20, 2019 12:43 pm
Forum: Investing - Theory, News & General
Topic: Predicting future Exp. Ratio changes on Vanguard funds...
Replies: 10
Views: 666

Re: Predicting future Exp. Ratio changes on Vanguard funds...

Three of these are investor shares that no longer exist for most Vanguard investors so they will get the even lower Admiral share expense ratios.
by stan1
Sun Jan 20, 2019 12:38 pm
Forum: Personal Consumer Issues
Topic: Men's No-Cotton Travel Pants / Shirts Suggestions? Other Tips from experienced world travellers?
Replies: 118
Views: 5843

Re: Men's No-Cotton Travel Pants Suggestions? Other Tips from experienced world travellers?

Just sharing what I saw elsewhere...check out this page on travel pants. "Great Men’s Travel Pants for Every Style, Budget, or Adventure" This is a good list. I have owned Bluffworks and Outlier pants for a number of years now and both hold up well and are stylish enough to wear during the day and ...
by stan1
Sun Jan 20, 2019 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Bond index in Roth or Munis in taxable
Replies: 5
Views: 374

Re: Bond index in Roth or Munis in taxable

Holding a national muni bond fund in the taxable account will give you some increased future flexibility for rebalancing and taking withdrawals when you retire. If you retire early the muni bond fund will also give you more income from dividends in the taxable without having to withdraw from retirem...
by stan1
Sun Jan 20, 2019 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Small Cap Value Tilt and Asset Location?
Replies: 13
Views: 958

Re: Small Cap Value Tilt and Asset Location?

Hey Bogleheads, please help! I came upon one of William Bernstein's books where he suggests index funds like VTSAX and VFIAX can be placed in both taxable or retirement accounts, however, he suggests small cap and small cap value should strictly be held in retirement accounts. I'm specifically aski...
by stan1
Sun Jan 20, 2019 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Divorce w/child. Spouse wants to move.
Replies: 128
Views: 8230

Re: Divorce w/child. Spouse wants to move.

I'm not necessarily recommending this, but I knew of a family who lived in different cities who split custody this way after their son was in school: Kindergarten to 3rd grade: Father in City A during school year, Mother in City B (about 6 hours away) during xmas and summer breaks 4th grade to 9th g...
by stan1
Sun Jan 20, 2019 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Merrill Edge "Money Account" Question
Replies: 24
Views: 5643

Re: Merrill Edge "Money Account" Question

Yes. They sent me an e-mail saying they were offering a rate equal to the current BIF Money Fund rate for 6 months on the new sweep, but it's back to terrible rates after that. It was good while it lasted. For those of you with Merrill Edge and a B of A checking account: Can you use the B of A chec...
by stan1
Sun Jan 20, 2019 10:38 am
Forum: Investing - Theory, News & General
Topic: International Stock = Lower Qualified Dividends
Replies: 5
Views: 406

Re: International Stock = Lower Qualified Dividends

I'd say its mostly a matter of asset location not asset allocation. I would choose my asset allocation (such as 50% domestic equity, 20% international and 30% bonds) then implement it across my different accounts (taxable, 401K, Roth). I have Total Stock Market and Total International Stock Market i...
by stan1
Sun Jan 20, 2019 10:06 am
Forum: Personal Consumer Issues
Topic: Henderson, Nevada ?
Replies: 17
Views: 1618

Re: Henderson, Nevada ?

Las Vegas has an arc of suburbs around the north, west, and south (Henderson being at the south). Henderson itself covers a huge area including areas like Anthem. I would also look at Summerlin, and if you wanted lower cost, places like Centennial Hills towards the north.
by stan1
Sat Jan 19, 2019 10:52 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 5113

Re: Is California worth the premium?

Here in Central Oregon we get a lot of California refugees. People make a tidy profit when they sell their houses there, and buy nice big houses here. These folks are voting with their feet, saying No, California isn't worth the premium.... Yet someone is paying a lot of money to buy their Californ...
by stan1
Sat Jan 19, 2019 7:14 pm
Forum: Personal Consumer Issues
Topic: Is California worth the premium?
Replies: 89
Views: 5113

Re: Is California worth the premium?

It's a personal preference. For me living in a place with sunshine that's not too hot or too cold at least 330 days of the year, is not humid, and does not have biting bugs, hurricanes/tornados, or ice storms has a lot of value.
by stan1
Sat Jan 19, 2019 3:59 pm
Forum: Personal Consumer Issues
Topic: What is a Boglehead funeral/burial?
Replies: 116
Views: 5840

Re: What is a Boglehead funeral/burial?

Our local zoning allows for “family burial plots” on parcels 10 acres or more. I told my wife that I want to be buried in the backyard as cheap as possible, which is surprisingly legal. Take that funeral industry! I'd make sure you know what laws apply to disclosing a burial on the property if your...
by stan1
Sat Jan 19, 2019 1:27 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3175

Re: Car reviews - Consumer Reports or other sources?

When I bought a car last fall several of my main sources were Car and Driver, Consumer Reports, and YouTube vlogs such as Redline. I don't think the quality gap between cars is there like it was in the 80s and 90s right now when there was production line variance or just plain garbage coming out lik...
by stan1
Sat Jan 19, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: Bicycling trip along the French Riviera
Replies: 13
Views: 702

Re: Bicycling trip along the French Riviera

I'm not an expert on the route but over to Aix-en-Provence then to Marseilles would be a good way to get closer to the mileage you want.
by stan1
Sat Jan 19, 2019 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Any downsides to repeatedly switching between varioud money market funds?
Replies: 7
Views: 606

Re: Any downsides to repeatedly switching between varioud money market funds?

Taxes are not hard. You just enter the data Vanguard provides to you and make sure you enter the percentage of federal government obligation interest correctly for Treasury Money Market fund. I wouldn't switch for a few basis points but for the past few years its been worth it for me to be in Prime ...
by stan1
Sat Jan 19, 2019 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: vanguard prime mm vrs california muni mm
Replies: 1
Views: 164

Re: vanguard prime mm vrs california muni mm

The preference varies with time but recently for my situation CA muni money market fund has not been preferable. Sometimes it is very close but not right now. The yield on CA muni money market fund was 1.3% as recently as a week ago so that's a decent drop in a short time. Perhaps there's some short...
by stan1
Sat Jan 19, 2019 10:45 am
Forum: Personal Consumer Issues
Topic: diagnostic fee for car under warranty?
Replies: 15
Views: 1131

Re: diagnostic fee for car under warranty?

Yes on these types of issues you should look online first and then go to the dealer with the remedy you want them to take especially if there is a service bulletin out from the manufacturer. The dealership won't necessarily take action on a service advisory unless you complain about the problem and ...
by stan1
Sat Jan 19, 2019 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Wills- Options other than family/charities?
Replies: 33
Views: 1637

Re: Wills- Options other than family/charities?

I'm not sure what you are looking for but: friends, neighbors, caretakers, contribution to pay off national debt.
by stan1
Fri Jan 18, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Infiniti QX30 - MB platform
Replies: 8
Views: 676

Re: Infiniti QX30 - MB platform

CUVs are very popular with consumers now. I don't think you'll get a good deal on a preferred model. On the other hand since you have a CX-5 already do you need two CUVs? if you wanted a sedan like an Accord or Camry you should be able to get a good deal. Sedans are out of favor with many consumers ...
by stan1
Fri Jan 18, 2019 10:46 am
Forum: Investing - Help with Personal Investments
Topic: Roth v. Trad for retiring USAF colonel w/30 years active duty
Replies: 11
Views: 1029

Re: Roth v. Trad for retiring USAF colonel w/30 years active duty

Given your tax rates now and a good pension I'd expect these retirement fund accounts would mostly be inherited by your kids. Therefore I would go with Roths. Essentially you are generously paying their taxes now while you are working instead of them paying taxes on withdrawals from an Inherited IRA...
by stan1
Thu Jan 17, 2019 8:44 am
Forum: Personal Finance (Not Investing)
Topic: [Wash sale concern - Are these stocks substantially identical?]
Replies: 49
Views: 1684

Re: [Wash sale concern - Are these stocks substantially identical?]

One thing we know is that multiple Index 500 mutual funds have existed for over 30 years. IRS employees surely have been aware of this for most of the time. The IRS has not indicated two Index 500 funds are substantially identical during that time. It's your decision, but I would have no concerns ta...
by stan1
Thu Jan 17, 2019 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Emergency funds in CD's
Replies: 11
Views: 1157

Re: Emergency funds in CD's

A ladder works. Pay attention to the penalty for early withdrawal. What is it about the 3 fund that you don't buy in to? It would be difficult to name a fund that's not already part of it. Not that I don't buy into the concept of a 3 fund idea (maybe with some "tilts"), but that I have a bunch of o...
by stan1
Wed Jan 16, 2019 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: What are some disadvantages to TLH?
Replies: 51
Views: 2648

Re: What are some disadvantages to TLH?

Duplicate holdings might be viewed as undesirable complexity to some. You may end up with long term unrealized gains for example in VXUS and IXUS; VTI and SCHB; and IJS and VIOV (essentially doubling the number of positions you hold in taxable). I have realized small short term and long term gains ...
by stan1
Wed Jan 16, 2019 8:25 am
Forum: Investing - Help with Personal Investments
Topic: VOO Dividends--How to avoid double tax when wanting to spend them?
Replies: 14
Views: 650

Re: VOO Dividends--How to avoid double tax when wanting to spend them?

Also if you look closely you'll find about four times per year a post titled "why did my fund lose value today when the market was up?" The answer always is that dividends and capital gains distributions were paid out and the fund's net asset value was adjusted (or the ETF's share price). Funds accu...
by stan1
Tue Jan 15, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Furloughed Fed Employee - How to make best use of time
Replies: 60
Views: 5930

Re: Furloughed Fed Employee - How to make best use of time

Exercise.
Work on a home improvement project, or a favorite hobby (probably one that isn't too expensive).
Spend time with family.
Volunteer some time at kids or grand kids school or another charity.

What you don't want to do is sit at home worrying about something beyond your control.
by stan1
Tue Jan 15, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone using quicken billpay
Replies: 4
Views: 299

Re: Anyone using quicken billpay

Which version of Quicken do you have? Fixed license (2017 or earlier) or subscription (2018 or later)? The bill pay fee charged by Quicken changes with the subscription model. I don't have any version :happy I am looking into signing up for Quicken and bill pay is one of the interesting features fo...
by stan1
Tue Jan 15, 2019 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone using quicken billpay
Replies: 4
Views: 299

Re: Anyone using quicken billpay

Which version of Quicken do you have? Fixed license (2017 or earlier) or subscription (2018 or later)?

The bill pay fee charged by Quicken changes with the subscription model.
by stan1
Tue Jan 15, 2019 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Taxable versus non-taxable allocation
Replies: 19
Views: 1052

Re: Taxable versus non-taxable allocation

Some retirees keep 1-3 years of expenses in cash accounts to reduce the likelihood of needing to sell equities in a market down turn. Some might hold that in a money market fund or an FDIC insured savings account or in shorter term CDs.
by stan1
Tue Jan 15, 2019 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Vanguard or Blackrock??
Replies: 16
Views: 1061

Re: Portfolio Question - Vanguard or Blackrock??

whereas Blackrock may try to tempt you with some complicated junk. Interested to understand the meaning behind this This is not an issue. You get to choose from the funds offered in your 401K. Both Vanguard and Blackrock have funds you might not want to invest in which typically aren't offered in 4...
by stan1
Tue Jan 15, 2019 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Question - Vanguard or Blackrock??
Replies: 16
Views: 1061

Re: Portfolio Question - Vanguard or Blackrock??

Either is fine. It's just a matter of whether you want the international and bonds that come with option 1 or just the US stock market that comes with option 2. You'd have to decide what your total overall asset allocation is and then select funds to achieve that. The target retirement funds are sim...
by stan1
Mon Jan 14, 2019 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon Rewards Visa -- predatory lending?
Replies: 38
Views: 4366

Re: Amazon Rewards Visa -- predatory lending?

5% back at Amazon and Whole Foods with Amazon Prime makes this card worth it for me and in December they had a special 10% back offer at Whole Foods. Can do better than 2% cash back at gas stations and restaurants if you don't mind having other cards. I pay off my credit cards at least every other w...
by stan1
Mon Jan 14, 2019 8:37 am
Forum: Investing - Theory, News & General
Topic: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund
Replies: 58
Views: 5792

Re: Is Fidelity Zero Fund BETTER than Fidelity Expense Ratio Fund

I am considering now whether to exchange FZROX for FSKAX. My hunch is that both funds will be around for a very long time. I certainly can't imagine Fidelity forcing, or even suggesting clients go from FSKAX to FZROX. And as you said, the difference will probably be negligible over the long haul. B...
by stan1
Mon Jan 14, 2019 8:08 am
Forum: Investing - Help with Personal Investments
Topic: Short term investment (9-18 months)
Replies: 2
Views: 261

Re: Short term investment (9-18 months)

Vanguard Prime Money Market is paying about the same. It's yield will fluctuate up and down whereas the CD will be fixed. May not be able to predict which one will be better. The money market fund will give you more flexibility to add or withdraw money any time you want. I'm not sure I fully underst...
by stan1
Sun Jan 13, 2019 7:34 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4350

Re: How do I stop jeans from ripping in the thighs?

Sure this is actionable (and OP did come back and agree with the initial recommendation). If he doesn't want to do that he can look for jeans with an athletic fit (bigger thighs). Because the style right now is away from relaxed fit you'll find some jeans that have bigger thighs. That's not me so I ...
by stan1
Sun Jan 13, 2019 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Fund and Brokerage cannot use same sweep account?
Replies: 9
Views: 652

Re: Vanguard Fund and Brokerage cannot use same sweep account?

The vanguard brokerage defaults all sweep money into the Vanguard Federal MMF. I'm also trying to direct all my dividends and capital gains from my mutual fund to that same Vanguard Federal MMF. For some reason, this fund DOES NOT show up... is this normal? Is there anyway to have one sweep fund to...
by stan1
Sun Jan 13, 2019 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken External Transfers
Replies: 20
Views: 724

Re: Quicken External Transfers

I find it annoying how my entire mortgage payment doesn't show as an "expense", only the interest part. The principal part reduces the loan balance, and isn't an "expense". Yet I need to pay that money out each year. Would like to be able to say to include it. You could configure Quicken to do what...
by stan1
Sun Jan 13, 2019 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken External Transfers
Replies: 20
Views: 724

Re: Quicken External Transfers

You could also set up an expense category called “investing” and use that for transactions in your checking account instead of a transfer. With that approach you would not have a dummy account floating around with a nonsensical balance that doesn’t reflect dividends or appreciation. Use filters on ...
by stan1
Sun Jan 13, 2019 12:23 pm
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3769

Re: Duffel Bag vs Wheeled Stand Up traveling

If you are going to spend a lot of time traveling I would not get a $10 duffel at Walmart. If you are maxing retirement accounts then put a little money into a Red Oxx or Tom Bihn bag with a good shoulder strap and handles. They'll also last for the rest of your life and maybe your heirs.
by stan1
Sun Jan 13, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Disciplined with finances, but not so with diet
Replies: 217
Views: 9769

Re: Disciplined with finances, but not so with diet

We've found we have to go back to the root cause to treat the symptom. That's grocery shopping, where we choose to eat out, and getting out of our seats to do something. Some strategies that have helped us: 1) We were both able to eat whatever we wanted without gaining a lot of weight until we were ...
by stan1
Sun Jan 13, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard Asset Mix Chart [Vanguard website shows incorrect asset allocation]
Replies: 16
Views: 1154

Re: Vanguard Asset Mix Chart

It's the weekend. Never ask a question about Vanguard IT outside of regular business hours!
by stan1
Sun Jan 13, 2019 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Quicken External Transfers
Replies: 20
Views: 724

Re: Quicken External Transfers

I find it annoying how my entire mortgage payment doesn't show as an "expense", only the interest part. The principal part reduces the loan balance, and isn't an "expense". Yet I need to pay that money out each year. Would like to be able to say to include it. You could configure Quicken to do what...
by stan1
Sun Jan 13, 2019 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Zero Funds
Replies: 33
Views: 1938

Re: Fidelity Zero Funds

At these cost levels it comes down to how they manage security lending revenue. Has Fidelity tweaked which stocks they choose to sample in their index to slightly increase security lending revenue that would cover the cost of managing their fund while hoping performance stays within a few basis poin...