Search found 109 matches

by alexost
Thu Feb 09, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: LTCG
Replies: 5
Views: 643

Re: LTCG

Because that's the way the tax laws are written. Or was your question a rhetorical question? Furthermore, LTCG have various progressive tax rates from 0% to over 20%, so high income people pay a higher rate. That's my point. I'm 25% marginal for fed. So if LTCG are taxed at max 20%, then why my LTC...
by alexost
Thu Feb 09, 2017 11:09 am
Forum: Investing - Help with Personal Investments
Topic: LTCG
Replies: 5
Views: 643

LTCG

If LTCG is taxed at lower than my marginal 25% fed tax then why is it included in total income on my 1040?


I was under the impression that i could simply multiply my LTCG by 15 percent and that was my total tax on the LTCG.
by alexost
Tue Jan 17, 2017 10:38 pm
Forum: Investing - Theory, News & General
Topic: Junior and Senior Financial Independence
Replies: 35
Views: 2355

Re: Junior and Senior Financial Independence

I think this concept needs clarification. Lets say I want to retire with expenses of $4000/mo. To get that after tax income I need roughly 4000/.7 = $5714/month gross. So using 25x expenses I'd need 1.2 mill. But obviously you need to gross enough to pay taxes to get that amount. So 25x gross = 1.7 ...
by alexost
Thu Jan 05, 2017 8:03 pm
Forum: Investing - Theory, News & General
Topic: GDP vs Market Return
Replies: 32
Views: 2240

Re: GDP vs Market Return

Excellent question. I've been meaning to revisit this in my personal research. Part of the answer is that the headline GDP growth is inflation adjusted. So when you see "GDP was 3%" that is real GDP growth. Nominal GDP growth would be that plus inflation. The Atlanta FED GDPnow forecast fo...
by alexost
Thu Jan 05, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Does taxable investing seem sensible right now? 21 y/o college student
Replies: 15
Views: 1212

Re: Does taxable investing seem sensible right now? 21 y/o college student

I just wanted to congratulate you on being financially brilliant and disciplined at such a young age. :beer
by alexost
Thu Jan 05, 2017 4:29 pm
Forum: Investing - Theory, News & General
Topic: "How To Sell Finance Books Like Harry Dent"
Replies: 11
Views: 1344

Re: "How To Sell Finance Books Like Harry Dent"

mlebuf wrote:As we wrote in the first Boglehead's book, calling such works, "investment porn" is actually flattering. Real pornographers deliver what they promise. Authors and gold pitchmen who forecast major booms and busts prey on financial illiteracy.


Bravo.
by alexost
Thu Jan 05, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Reasons to Increase AA and take more risk
Replies: 10
Views: 1104

Re: Reasons to Increase AA and take more risk

When I turned 40 in 2015 I reduced my risk in my 401K by going from Vanguard 2040 to 2035 retirment fund. Part of this was because I'm ahead of where I thought I'd be at this point (which is still only marginally sufficient for retirement at around 60) and part because I'd rather reduce my risk afte...
by alexost
Thu Jan 05, 2017 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity FullView
Replies: 15
Views: 1717

Re: Fidelity FullView

I used it for a while then stopped mainly because it didnt always update and didn't have much value. I had my condo loan amount (and equity which I arbitrarily entered), my CAP 360 account.. But I never added my checking account. I wasn't too concerned about the safety of it but I'm sure it adds som...
by alexost
Thu Jan 05, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: "How To Sell Finance Books Like Harry Dent"
Replies: 11
Views: 1344

Re: "How To Sell Finance Books Like Harry Dent"

I saw Harry Dent's book ready for reading on a Gulfstream flight. I thought to myself, "Rich people read this $$!T?"

Probably they do. But the brilliant rich read it to stay on top of what the average people are willing to digest.
by alexost
Thu Jan 05, 2017 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Effective Tax Rate
Replies: 17
Views: 1212

Re: Calculating Effective Tax Rate

How about taking last years tax returns and calculate using total taxes actually paid divided by gross income. This captures all income related taxes but not sales taxes etc.
by alexost
Wed Jan 04, 2017 10:54 am
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 105
Views: 9090

Re: What inflation rate do you use for your planning?

Umm. Prudently forecasting assets into the future when you are too old to work much is very useful and responsible- even though we know we may be wrong. And. Any forecast of future asset value at least implicitly makes a forecast of inflation. I posted earlier about calculating future real asset su...
by alexost
Tue Jan 03, 2017 5:57 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 32573

Re: Whats your number to walk away?

Many of these replies are meaningless without ages, forecasted lengths of retirement, and lifestyle definition, or - expenses desired in retirement. That is why we see some people apprehensive about retiring with 12 mill, and some people happy with 800K or even less. Remember the first thing you do ...
by alexost
Mon Jan 02, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: Whats your number to walk away?
Replies: 245
Views: 32573

Re: Whats your number to walk away?

The first thing you do when considering walking away is to define your lifestyle. Then calculate a number that will accommodate.
by alexost
Mon Jan 02, 2017 1:10 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 105
Views: 9090

Re: What inflation rate do you use for your planning?

leonard wrote:
alexost wrote:Umm. Prudently forecasting assets into the future when you are too old to work much is very useful and responsible- even though we know we may be wrong.


is this directed to me in particular (since it followed my post) or the board in general?


Directed to anyone.
by alexost
Mon Jan 02, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 105
Views: 9090

Re: What inflation rate do you use for your planning?

Umm. Prudently forecasting assets into the future when you are too old to work much is very useful and responsible- even though we know we may be wrong. And. Any forecast of future asset value at least implicitly makes a forecast of inflation. I posted earlier about calculating future real asset sum...
by alexost
Sun Jan 01, 2017 8:21 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Areas and Real Estate
Replies: 12
Views: 1911

Re: Las Vegas Areas and Real Estate

Following. There is a decent chance I will be transferring to Vegas with my company in the near future. I'll be working at the airport and from what I can tell Green Valley and Henderson seem like the best for buying/living and commuting to the airport.
by alexost
Sun Jan 01, 2017 2:29 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 105
Views: 9090

Re: What inflation rate do you use for your planning?

I don't try to forecast inflation. I do all planning (what little I do) in real terms. +1 KlangFool I'm with jebmke and KlangFool on this one. If you project spending and returns in nominal terms and then project inflation separately, you just magnify the error and uncertainty. Far easier to do eve...
by alexost
Sun Jan 01, 2017 12:09 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 105
Views: 9090

Re: What inflation rate do you use for your planning?

I use 3% inflation and believe this is moderately conservative. 3.5% would be more conservative. The FED is shooting for about 2% average inflation. But I don't know if I will be right in the future. I also forecast my future 20 year return using 6.5% which I believe is conservative. So I'd be forec...
by alexost
Sun Jan 01, 2017 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Unusual Request [Position as Evidence-Based Investing Advisor]
Replies: 30
Views: 1640

Re: Unusual Request [Position as Evidence-Based Investing Advisor]

I figured out how to properly and ethically rationalize how this works. You can ethically justify working for a firm that charges higher fees than the technically correct Boglehead approach. *Assuming you are not working for a firm that robs people pushing financial instruments that have obvious usu...
by alexost
Sun Jan 01, 2017 11:26 am
Forum: Investing - Theory, News & General
Topic: The man vs. machine argument and how thinking can hurt you!
Replies: 26
Views: 2970

Re: The man vs. machine argument and how thinking can hurt you!

I imagine the market is just a bunch of constantly tweaked human inspired algorithms swimming around clearing the market. So I don't quite get how experts "underperform" algorithms.
by alexost
Sun Jan 01, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Any Buffett fans here?
Replies: 35
Views: 3755

Re: Any Buffett fans here?

Me. I started out investing seriously with Buffett/Graham style value investing and have done well picking individual stocks but some time ago switched to index investing with the majority of my investments.
by alexost
Sat Dec 31, 2016 11:07 am
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 4282

Re: Audiophiles help me with setup

Toons wrote:Streaming Pandora or Amazon Prime or Spotify or Youtube
Via the phone works for me :happy
Bluetooth to Speaker: :happy

Image


Another vote for the Bose Soundlink Mini II. I have it and love it.
by alexost
Thu Dec 29, 2016 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Are there any benefits to achieving "great wealth"?
Replies: 106
Views: 9943

Re: Are there any benefits to achieving "great wealth"?

I have to disagree with those that say that wealth gives you "independence" or "peace of mind" or the like. I agree that it *can* give you those, but there are plenty of examples where wealth did not bring "peace of mind" to people (there stuff or fears owned/enslaved ...
by alexost
Thu Dec 29, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Are there any benefits to achieving "great wealth"?
Replies: 106
Views: 9943

Re: Are there any benefits to achieving "great wealth"?

OK Bogleheads, My question is simple. What, if anything, does achieving the status of "wealthy" gain someone, if you do not spend it nor talk about it? Is there anything that it provides in life? This is easy and the answer is powerful. It affords you "independence." The wealthi...
by alexost
Thu Dec 15, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: winning game, sell stocks despite high bond prices?
Replies: 47
Views: 4692

Re: winning game, sell stocks despite high bond prices?

The game is not won but we hit a milestone this week that I never would have dreamed of ten years ago. Quite astounding what a 7 year bull market can do. Our need to take risk has significantly declined. Ability higher, willingness unchanged. I assume it is dumb to avoid taking risk off the table j...
by alexost
Mon Dec 12, 2016 9:44 am
Forum: Investing - Theory, News & General
Topic: Roth wake-up call...
Replies: 24
Views: 4090

Re: Roth wake-up call...

I've been contributing the max to my Roth since the first year they were available (I think I was 18 at the time). Originally, I had individual stocks, and various other things over the years, precious-metal funds, small-value, international, etc. I was talking with my friend, and he said that his ...
by alexost
Tue Nov 29, 2016 2:30 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett Books
Replies: 22
Views: 2528

Re: Warren Buffett Books

Bogleheads, Not many responses to this thread. I assumed Warren Buffett was popular as well as his books. Perhaps Bogleheads do not read his books as much as I assumed! Best. Probably because Warren Buffett is a stock picker. When I was just starting to invest logically I read "How to pick sto...
by alexost
Tue Nov 29, 2016 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k w Fidelity has high fees
Replies: 10
Views: 946

Re: New 401k w Fidelity has high fees

Can you open a Fidelity Brokerage Link? If so you have access to very low cost Fidelity index funds and commission free iShares ETFs.
by alexost
Sun Nov 27, 2016 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: [Associate of Arts degree (AA) in Accounting]
Replies: 23
Views: 2496

Re: Not sure if this belongs here? AA in Accounting

At a top Fortune 500 firm, we hire young folks..... And we are not going to invest nearly as much in an individual who joins us at age 32. He simply doesn’t have the time to get to the top levels of the company. Best wishes. Thank you for sharing this. Makes sense. Sounds like there still would be ...
by alexost
Mon Nov 21, 2016 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Renting in L.A. - good school district
Replies: 16
Views: 1488

Re: Renting in L.A. - good school district

What about Irvine near John Wayne airport? Or does the other parent work in LA? That's a good idea. Will have to look at the number of flights but yeah have used John Wayne before. Forgot about that... I lived near and around Irvine for about 22 years. Check out Aliso Viejo, Laguna, Hills, Lake For...
by alexost
Thu Nov 17, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 88
Views: 13135

Re: Amazon Echo

I love technology but this is primarily to influence your consumption patterns. I am very wary of that.
by alexost
Wed Nov 16, 2016 10:37 am
Forum: Personal Finance (Not Investing)
Topic: [Spouses with no interest in investing]
Replies: 62
Views: 7153

Re: spouses that careless about investing

If you separate your incomes, would he be saving a portion of his income?
by alexost
Tue Nov 08, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 118
Views: 15303

Re: Which state to move for milder weather

SoCal. Orange County. South Orange County, San Diego County. I'm engineering my move back there ASAP after about two years hating it in WI. I will even take a significant pay cut to go back. I'm making 85-90K in Wisconsin.. And I'd take starting pay of 52-55K (if necessary) plus benefits, to move ba...
by alexost
Mon Oct 31, 2016 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Would it be worth going into college if I'm not sure of what I want to do?
Replies: 47
Views: 4505

Re: Would it be worth going into college if I'm not sure of what I want to do?

Army, Navy, Air Force, Marines, what a great place to start... Also a good place to wind up dead or maimed. I second Crimsontide. mouses- If you choose some type of food services or non combat support group you are HIGHLY unlikely to get killed or maimed. And the benefits and experience you receive...
by alexost
Sun Oct 30, 2016 9:00 am
Forum: Investing - Theory, News & General
Topic: ProShares S&P 500 Dividend Aristocrats ETF - thoughts?
Replies: 32
Views: 3544

Re: ProShares S&P 500 Dividend Aristocrats ETF - thoughts?

It is worse because it might not match or beat the whole index in the future.

Buying the index guarantees the index performance whereas buying the Aristocrat index includes the possibility of under performance.
by alexost
Sat Oct 29, 2016 10:04 pm
Forum: Personal Consumer Issues
Topic: Instant oatmeal vs "regular" oatmeal
Replies: 76
Views: 8337

Re: Instant oatmeal vs "regular" oatmeal

I buy organic oats and grind them in my coffee grinder resulting in faster cooking smoother oatmeal.

Cook with vanilla almond milk, raisins, then add walnuts and a little agave syrup.

Delicious.
by alexost
Fri Oct 28, 2016 7:45 am
Forum: Investing - Help with Personal Investments
Topic: Tilters: Help choose an international small cap fund
Replies: 17
Views: 2393

Re: Tilters: Help choose an international small cap fund

I also opened Fidelity Brokeragelink from my employers Fidelity sponsored 401K specifically to tilt and it gives me the option for a cash position. I am about 30% (to 40% if the recent info is correct about Vanguard increasing their international portion of index funds) international between my Fide...
by alexost
Mon Oct 24, 2016 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting.
Replies: 4
Views: 581

Re: Tax Loss Harvesting.

Assuming: --no losses carried forward from previous years --the Lowes sale is your only sale this year Then you are currently on the hook for a 15% tax on $1900 plus any state tax. If you were planning to dump COP anyway, then you would reduce your tax burden to 15% of $1200 by selling it now. If t...
by alexost
Mon Oct 24, 2016 9:57 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting.
Replies: 4
Views: 581

Re: Tax Loss Harvesting.

Assuming: --no losses carried forward from previous years --the Lowes sale is your only sale this year Then you are currently on the hook for a 15% tax on $1900 plus any state tax. If you were planning to dump COP anyway, then you would reduce your tax burden to 15% of $1200 by selling it now. If t...
by alexost
Mon Oct 24, 2016 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting.
Replies: 4
Views: 581

Re: Tax Loss Harvesting.

Assuming: --no losses carried forward from previous years --the Lowes sale is your only sale this year Then you are currently on the hook for a 15% tax on $1900 plus any state tax. If you were planning to dump COP anyway, then you would reduce your tax burden to 15% of $1200 by selling it now. If t...
by alexost
Mon Oct 24, 2016 8:39 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting.
Replies: 4
Views: 581

Tax Loss Harvesting.

After some research here and online I'm still not sure how to calculate the benefits and if it's worth me to TLH this Conoco Phillips loss (if I sell). Bought Lowes: for ~ $800.00 Sold for ~ $2700.00. Long term capital gain of ~ $1900. Bought COP: for ~ $2800.00 I still own it worth ~ $2100.00. Pape...
by alexost
Mon Oct 17, 2016 9:19 pm
Forum: Personal Consumer Issues
Topic: Multimeter - Help Reading
Replies: 7
Views: 837

Re: Multimeter - Help Reading

If the fuse is good, touching the probes across the fuse should have the same result as touching the probes together. That result would be the fuse completing the circuit of the two probes, just as the circuit is complete when the two probes re touching. You have to isolate the fuse from the circuit...
by alexost
Tue Oct 11, 2016 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: Question: Fidelity 401k - Brokerage Link
Replies: 29
Views: 3624

Re: Question: Fidelity 401k - Brokerage Link

I use it to tilt. My company plan includes Vanguard Target date funds so the majority of my 401K is in 2035. My brokerage link has a little EEMV and SCZ roughly equal weighted. It also gives me a cash option that I would not have without it. I re-balanced a few months ago and have a 5-6% cash positi...
by alexost
Wed Oct 05, 2016 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: temporarily cashing out ?
Replies: 55
Views: 5853

Re: temporarily cashing out ?

Larry Swedroe suggests that 30/70 is a great point for retirees - low volatility but enough stocks to provide some growth. I like this idea. I was going to mention the same thing. Or look at this table and pick an allocation that matches your comfort level. http://www.qvmgroup.com/Allocation_A_612p...
by alexost
Tue Oct 04, 2016 5:30 pm
Forum: Investing - Theory, News & General
Topic: Here we go again
Replies: 36
Views: 4511

Re: Remember This

I agree with OP. Not necessarily because of his percent chart but because I've done it. I've bought assets when they were depressed and out of favor. And waited for them to outperform. Isn't that the opposite of what the OP claims is happening? OP claims people are selling and coming up with reason...
by alexost
Tue Oct 04, 2016 5:16 pm
Forum: Investing - Theory, News & General
Topic: Here we go again
Replies: 36
Views: 4511

Re: Remember This

I agree with OP. Not necessarily because of his percent chart but because I've done it. I've bought assets when they were depressed and out of favor. And waited for them to outperform. Isn't that the opposite of what the OP claims is happening? OP claims people are selling and coming up with reason...
by alexost
Tue Oct 04, 2016 4:49 pm
Forum: Investing - Theory, News & General
Topic: Here we go again
Replies: 36
Views: 4511

Re: Remember This

I agree with OP. Not necessarily because of his percent chart but because I've done it. I've bought assets when they were depressed and out of favor. And waited for them to outperform. You have to have the fortitude to hold on if you are confident in your "bet." For example. I took Mr. Bog...
by alexost
Wed Sep 07, 2016 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Health Equity HSA Investment guidance
Replies: 1
Views: 543

Re: Health Equity HSA Investment guidance

Howdy, I'm looking for some input regarding HSA investment options via Health Equity. Right now there is only $800 in the account so I'm limited to "standard" options which are all actively-managed funds with expense ratio of 0.57% and up. Based on my limited knowledge of investing in bro...
by alexost
Tue Aug 16, 2016 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Any lawyers out there. Bike hits car, minor and parents have no insurance
Replies: 91
Views: 9026

Re: Any lawyers out there. Bike hits car, minor and parents have no insurance

I would be aggravated if I had to spend this money unexpectedly too.

But.

It was a kid,

riding a bike,

who had an honest accident.

Kids and adults are out there doing far more nefarious things than this.

How is the kid?