Search found 6248 matches

by stan1
Fri Jan 18, 2019 11:08 am
Forum: Personal Consumer Issues
Topic: Infiniti QX30 - MB platform
Replies: 8
Views: 640

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: 996

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: 48
Views: 1546

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: 1114

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: 2621

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: 643

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: 5747

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: 296

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: 296

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: 1028

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: 1052

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: 1052

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: 4272

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: 38
Views: 3977

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: 254

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: 4260

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: 645

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: 715

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: 715

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: 3704

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: 9699

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: 1142

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: 715

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: 1926

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...
by stan1
Sat Jan 12, 2019 9:20 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)
Replies: 128
Views: 7392

Re: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)

Secondly, you should actually look at the list of countries on the EM list. The real basket cases are in "frontier" -- the word "emerging" is bit dated and most of them are already rather developed and on reasonably stable footing today. The Vanguard Emerging Markets Fund is almost half a two China...
by stan1
Sat Jan 12, 2019 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: How Long Should I Keep Financial Records of Deceased Relatives
Replies: 20
Views: 1420

Re: How Long Should I Keep Financial Records of Deceased Relatives

My parents kept many of their papers going back into the 1950s to 1970s. When I was cleaning out their house I threw most of that away even some relating to various side business deals my dad had and the house my mom was selling at the time (2013). I figured I'd be better off saying "we don't have r...
by stan1
Sat Jan 12, 2019 3:22 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)
Replies: 128
Views: 7392

Re: Emerging markets cannot be fairly valued and investors are better off elsewhere: Change my mind :)

Common argument against international for many years. Some people don't care. Some people use it to justify holding no international stock. Others use it to justify something in the middle (about 20%).
by stan1
Sat Jan 12, 2019 3:15 pm
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 4008

Re: How to buy business class tickets?

We have some flexibility in travel times usually (not tied to a cruise or pre-booked land tour). We watch for premium class sales which can sometimes be as much as 50% off the full base fare. BA for example has hefty fees so you have to watch that in comparison to the base fare. The airport that's m...
by stan1
Sat Jan 12, 2019 2:18 pm
Forum: Investing - Theory, News & General
Topic: Schwab SWSXX going away
Replies: 37
Views: 2615

Re: Schwab SWSXX going away

Even at Vanguard I have to go in and move cash out of Federal Money Market to Treasury, Prime, or CA Tax Exempt. I haven't found a scenario yet where keeping money in Federal for more than a few days was the best choice. Yes I am optimizing and Federal Money Market pays a lot more than 0.33% right n...
by stan1
Sat Jan 12, 2019 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Should I deviate from my simple portfolio to save on fees?
Replies: 1
Views: 207

Re: Should I deviate from my simple portfolio to save on fees?

I would not put 25% of my portfolio in Vanguard Mid-Cap Growth Index. Is the target date fund the option with the next lowest expense ratio? What other choices do you have with an expense ratio of less than 1% Edited: I think you answered that question, there is only one fund with an expense ratio u...
by stan1
Sat Jan 12, 2019 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: VTI to VTSAX... taxable event?
Replies: 12
Views: 1098

Re: VTI to VTSAX... taxable event?

Same fund different share class. No taxable event. I’m not sure that Vangaurd will exchange VTI for the mutual fund in that direction. Do you have cap gains? Also isn’t VTI under $150 dollars per share? Is it worthwhile to add to your position in under $150 increments? Regards, John This is incorre...
by stan1
Sat Jan 12, 2019 11:01 am
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3704

Re: Duffel Bag vs Wheeled Stand Up traveling

What's a suit? Serious answer is: packing cube inside the duffel bag, but if you are traveling to close a billion dollar deal I'd pack more carefully in a wheeled carry on with checked luggage. For work I was able to pack a sport coat that I could hang in the hotel bathroom while I showered and get...
by stan1
Sat Jan 12, 2019 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Tax software for filing state returns
Replies: 12
Views: 503

Re: Tax software for filing state returns

lhb wrote:
Sat Jan 12, 2019 10:45 am
creditkarma is the one that offers free state filling. They're the one that also offers free credit scores.
I haven't read their fine print, but I'd go with "guilty til proven innocent" of selling data on that one.
by stan1
Sat Jan 12, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3704

Re: Duffel Bag vs Wheeled Stand Up traveling

Talking to a guy who commutes to Asia multiple times a month for work. He said something that caught my attention. He said that die hard commuters are starting to trend towards duffel bags and look at traditional carryons as "stone age". Has anyone seen any validity to this? I stopped using my whee...
by stan1
Sat Jan 12, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 4008

Re: How to buy business class tickets?

(and I have to remind myself sometimes that west coast to Europe flights in Economy Plus are certainly survivable, though the newer planes nowadays tend to have narrower seats, so I am more careful about selecting the aircraft type if I expect to be in E+) I have "survived" flights to Australia and...
by stan1
Sat Jan 12, 2019 10:18 am
Forum: Personal Consumer Issues
Topic: Duffel Bag vs Wheeled Stand Up traveling
Replies: 78
Views: 3704

Re: Duffel Bag vs Wheeled Stand Up traveling

Talking to a guy who commutes to Asia multiple times a month for work. He said something that caught my attention. He said that die hard commuters are starting to trend towards duffel bags and look at traditional carryons as "stone age". Has anyone seen any validity to this? I stopped using my whee...
by stan1
Sat Jan 12, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: How to buy business class tickets?
Replies: 35
Views: 4008

Re: How to buy business class tickets?

It depends on airlines, partnerships, elite status, route, available mileage balance, tolerance for non-optimal routing, number of travelers, flexibility in travel dates, ... And willingness to accept risk that you don't get an upgrade. If you are unwilling to fly in economy under any circumstances...
by stan1
Sat Jan 12, 2019 10:09 am
Forum: Personal Finance (Not Investing)
Topic: 2017 State Tax Refunds Federally Taxable in 2018!!!
Replies: 16
Views: 2125

Re: 2017 State Tax Refunds Federally Taxable in 2018!!!

$8700 seems like quite a large state income tax overpayment and refund... It is, but it happened to me last year because I made a large, unexpected DAF contribution the last week of December in response to tax law changes. I don't know enough about AMT to be able to answer OP's question. He might b...
by stan1
Sat Jan 12, 2019 9:58 am
Forum: Investing - Help with Personal Investments
Topic: New Member: Need Advice
Replies: 7
Views: 366

Re: New Member: Need Advice

It's great to pay off your student loans quickly, but to be honest I'd be maxing out contributions to your Traditional 401K now since that income is not taxable especially if you live in a high income tax state like CA or NY. Also you want to get the matching contributions which it sounds like right...
by stan1
Sat Jan 12, 2019 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Tax software for filing state returns
Replies: 12
Views: 503

Re: Tax software for filing state returns

Which software package is it? That may help you get a better answer.

Sources of revenue:
- Upsell to premium
- Additional services with a higher margin
- Ads
- Selling data (read the fine print)

Then sometimes a product is a loss leader for something else.
by stan1
Fri Jan 11, 2019 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken External Transfers
Replies: 20
Views: 715

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 r...
by stan1
Fri Jan 11, 2019 8:46 am
Forum: Personal Consumer Issues
Topic: Best place to sell stuff?
Replies: 21
Views: 1603

Re: Best place to sell stuff?

We have done garage sales about once a year for decades just to declutter but at least in my area they don't seem to move the stuff very well anymore even when it it priced low. Varies by location. In my major metro area garage sales are dead, but in my mom's more rural area they are still alive an...
by stan1
Fri Jan 11, 2019 8:33 am
Forum: Personal Finance (Not Investing)
Topic: How do you manage credit card use with monthly budget
Replies: 37
Views: 2310

Re: How do you manage credit card use with monthly budget

What is the interest rate in your checking account? You could just pay the credit cards off more frequently so you don't carry a significant balance. Maybe once per week instead of monthly if you want to look at your budget every weekend. It takes 10 seconds to log in to the credit card website and ...
by stan1
Fri Jan 11, 2019 8:14 am
Forum: Investing - Help with Personal Investments
Topic: American Funds (No Loads) vs Vanguard Index Funds
Replies: 30
Views: 2146

Re: American Funds (No Loads) vs Vanguard Index Funds

My adviser (who is a fiduciary) bought a mixture of mutual funds, mostly through American Funds, all of which are F3 or R6 classes. As an example, one of the funds is the New Perspective Fund (FNPFX) Class F3, which if it were Class A would come with a 5.75% front-end load and a total annual fund o...
by stan1
Thu Jan 10, 2019 9:38 pm
Forum: Investing - Theory, News & General
Topic: PG&E Bonds
Replies: 49
Views: 5046

Re: PG&E Bonds

Since you don't have any replies here's one source. Sorry it is 121 pages long, but since it is the methodology Bloomberg Barclays uses to construct the index Total Bond Market follows it is relevant and authoritative. https://data.bloomberglp.com/professional/sites/10/2017/03/Index-Methodology-2017...
by stan1
Thu Jan 10, 2019 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Under $100k Avg Annual Income Millionaires and How You Did It?
Replies: 117
Views: 13871

Re: Under $100k Avg Annual Income Millionaires and How You Did It?

The millionaire next door concept is a few decades old now. My father in law is a Battle of the Bulge veteran who became a millionaire next door (now 94). He did not have a college degree but had good technical skills starting as a draftsman and advanced into a senior management job at a well known ...
by stan1
Thu Jan 10, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: United, American Airlines, Delta--about the same?
Replies: 144
Views: 7769

Re: United, American Airlines, Delta--about the same?

I was a frequent business traveller for many years; now I am not. There are some perks I thought I would miss but in reality I really don't. I realized air travel is a utilitarian experience like riding the subway. My expectations are low and I accept personal accountability for the decisions I make...
by stan1
Thu Jan 10, 2019 7:34 am
Forum: Personal Consumer Issues
Topic: Best way to match paint?
Replies: 22
Views: 1434

Re: Best way to match paint?

With something like removing a closet I'd recommend repainting the entire room.
by stan1
Wed Jan 09, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Weekend in “west” ... recommendations
Replies: 17
Views: 1209

Re: Weekend in “west” ... recommendations

I was also going to suggest Santa Fe (easy access to ABQ airport). The 30 somethings and maybe 60 somethings would enjoy Meow Wolf https://meowwolf.com/ I went to the meowwolf website, but couldn't figure out what it is. Can you provide any description, please? Thanks! It is an immersive art exhibi...
by stan1
Wed Jan 09, 2019 9:01 am
Forum: Personal Consumer Issues
Topic: Weekend in “west” ... recommendations
Replies: 17
Views: 1209

Re: Weekend in “west” ... recommendations

Wherever you go one recommendation I'd have based on experience with multi-generational travel is to get multiple cars. With 2 in their 60s, 5 in their 30s, and one toddler I'd say get at least 3 cars. That will let people be part of the group when they want and independent when they want to be. Ren...