Search found 44 matches

by newseahorse
Thu Mar 26, 2020 12:32 am
Forum: Personal Investments
Topic: Bond funds choice
Replies: 2
Views: 369

Bond funds choice

Hello folks, We are in the 32 or 35% bracket MFJ depending on the year Two questions in that context: 1.Which is the right domestic bond fund for us: VWIUX vs VBTLX. I suspect VWIUX for tax efficiency? Any other factors to consider? 2.For international bonds we are using VTABX. Any reason to look el...
by newseahorse
Sun Oct 13, 2019 2:54 pm
Forum: Investing - Theory, News & General
Topic: Understanding impact of dividends on "Total Gain" column
Replies: 5
Views: 834

Understanding impact of dividends on "Total Gain" column

Hello, Basic question - when I look at my open positions in Fidelity or Vanguard - in both cases there is a "Total gain/loss" column. However it is not clear to me if the dividends paid by those positions (I ask to reinvest dividends) are included as "gain" Example if $100 cost basis stock increases...
by newseahorse
Sun Apr 14, 2019 9:05 pm
Forum: Personal Investments
Topic: Investing for older relative
Replies: 6
Views: 790

Investing for older relative

Hi,
I am trying to bogleify a 70 year old relative's investments. Currently invested in individual tickers.
Has some risk tolerance so I was thinking 60% stock index and 40% bond index with stock bucket further split into 60% domestic and 40% international.
Does that sound about right?

thanks!
by newseahorse
Sun Apr 14, 2019 9:02 pm
Forum: Personal Investments
Topic: Schwab international fund
Replies: 9
Views: 1214

Schwab international fund

Hi, I am trying to find a good Schwab equivalent of VTIAX for international stock exposure. The wiki talks about SWISX as counterpart https://www.bogleheads.org/wiki/Three-fund_portfolio#Other_than_Vanguard.2C_Boglehead-style However that is focused only on developed economies so not really VTIAX eq...
by newseahorse
Mon Mar 04, 2019 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: Career switch - leverage wage flexibility?
Replies: 6
Views: 793

Career switch - leverage wage flexibility?

Hello! DW has been on a break from working for ~3 years. Previous work ex was in financial services - did some budgeting, accounting, investment management. But now looking to go back but into a different field (Business Analyst) She did some courses on SQL,Certificate in Business Analysis etc but l...
by newseahorse
Mon Mar 04, 2019 2:27 pm
Forum: Personal Finance (Not Investing)
Topic: Fun thought expt wrt carbon footprint.
Replies: 32
Views: 1764

Re: Fun thought expt wrt carbon footprint.

As such, you're cooler than most humans
Haha - that cracked me up!
by newseahorse
Mon Mar 04, 2019 2:41 am
Forum: Personal Finance (Not Investing)
Topic: Budgeting for new immigrant dad health care
Replies: 22
Views: 1597

Re: Budgeting for new immigrant dad health care

Would your father be your dependent on the tax returns or will he file his own returns ? If he has pension and it crosses the threshold then I am not sure if you can consider him as a dependent . Yeah I am not sure either. Does being a tax dependent or not have bearing on the ACA front for him? Unr...
by newseahorse
Mon Feb 25, 2019 3:20 pm
Forum: Personal Finance (Not Investing)
Topic: Fun thought expt wrt carbon footprint.
Replies: 32
Views: 1764

Re: Fun thought expt wrt carbon footprint.

Right taking the gas car out of circulation seems like it will indeed minimize overall footprint. As a matter of fact given the KBB value of this car it might be a realistic option. If the demand for used gar cars is a constant and lots of ppl take this advice and consequently suppy of used cars on ...
by newseahorse
Mon Feb 25, 2019 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Fun thought expt wrt carbon footprint.
Replies: 32
Views: 1764

Re: Fun thought expt wrt carbon footprint.

@alex_868 can you pls explain this some more? On the face of it a new EV means additional manufacturing footprint no?
Also, no real difference or marginal impact between #2 and #3.
by newseahorse
Mon Feb 25, 2019 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Fun thought expt wrt carbon footprint.
Replies: 32
Views: 1764

Re: Fun thought expt wrt carbon footprint.

About 6k miles per year. My state electricity is mostly hydro
by newseahorse
Mon Feb 25, 2019 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: Fun thought expt wrt carbon footprint.
Replies: 32
Views: 1764

Fun thought expt wrt carbon footprint.

Here are a few choices: 1.Keep driving a 10 yr old gas driven car (mileage ~25) 2.Sell old gar car and get a used EV 3.Sell old gar car and get a new EV There are lots of misc factors obviously but lets stick to just carbon footprint of all options and see how crazy this gets if we (over) analyze th...
by newseahorse
Tue Feb 19, 2019 9:39 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting for new immigrant dad health care
Replies: 22
Views: 1597

Re: Budgeting for new immigrant dad health care

@alohajoe - thanks - these are exactly the kind of edge cases I was hoping to learn about. Since I am (relatively) young and an immigrant myself haven't tangled much with the medical machinery in the US. One specific followup - so when you say "for anything that isn't 100% covered". I thought the un...
by newseahorse
Tue Feb 19, 2019 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting for new immigrant dad health care
Replies: 22
Views: 1597

Re: Budgeting for new immigrant dad health care

Yeah well aware of the ramifications here. Spouse is on board.
by newseahorse
Tue Feb 19, 2019 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting for new immigrant dad health care
Replies: 22
Views: 1597

Re: Budgeting for new immigrant dad health care

Yep, plan is to get GC prior to arrival.
No rent income. Some paltry pension (not sure)

Yes, in that situation, pbbly get a caregiver. I should look into what that costs. Thanks for pointing it out.
by newseahorse
Tue Feb 19, 2019 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting for new immigrant dad health care
Replies: 22
Views: 1597

Re: Budgeting for new immigrant dad health care

Thanks for the replies and the links! Much appreciated. Sorry if this is naive - but doesn't the healthcare cost have some kind of upperbound like: (higher end of life expectancy - current age)* (worst case ACA/Medicare premiums + worst case deductibles) ? If yes we just need to plug in those datapo...
by newseahorse
Tue Feb 19, 2019 5:38 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting for new immigrant dad health care
Replies: 22
Views: 1597

Re: Budgeting for new immigrant dad health care

Bump. Any elder immigrant sponsors out there?
If not, maybe I can find public data for health costs for pre medicare years (say 60 to 65) and multiply it out with life expectancy and add a weighting factor of some sort?
by newseahorse
Mon Feb 18, 2019 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Budgeting for new immigrant dad health care
Replies: 22
Views: 1597

Budgeting for new immigrant dad health care

Hello, Plan is for my father, age 70, to come live with me on a Green Card. He will be eligible for ACA. Then after 5 years *buy* medicare, since he has not paid (and will never get around to paying) medicare taxes for 40 quarters. He has some health issues but nothing serious. Also I see him stayin...
by newseahorse
Mon May 21, 2018 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a phrase for that?
Replies: 14
Views: 1455

Re: Is there a phrase for that?

Doesn't "corpus" usually refer to things medical or literary. . . vs financial?
Yes the dictionary backs you up :) Fixed original post to reduce confusion
by newseahorse
Sun May 20, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a phrase for that?
Replies: 14
Views: 1455

Re: Is there a phrase for that?

I think you're asking if there's a phrase for reaching a point where you've amassed a large enough retirement portfolio that you can stop contributing, but not withdraw and it will grow to be enough to support you by the time you're near normal retirement age? Yes exactly. Barista FI - ha ha! That'...
by newseahorse
Sun May 20, 2018 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a phrase for that?
Replies: 14
Views: 1455

Re: Is there a phrase for that?

I would think once that point is reached, one would either decide to retire sooner or save even more for retirement. So, there won’t be a period of just coasting. If N is substantially lower than 60 (think 1 or 2 decades) then retiring immediately on 20 or 25x spend is not possible. So the realisti...
by newseahorse
Sun May 20, 2018 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Is there a phrase for that?
Replies: 14
Views: 1455

Is there a phrase for that?

Hi, Imagine a plan that involves saving 20x or 25x of annual spend that one will start drawing down at age 60ish. Say that target is achieved at age N (where N < 60). Between N and 60 ages the plan would be to make enough to live at cost price (no need to save but also not touch the savings). This i...
by newseahorse
Wed Mar 21, 2018 4:48 pm
Forum: Personal Investments
Topic: How to think about AA with company stock
Replies: 19
Views: 1523

Re: How to think about AA with company stock

Appreciate the response. Whether I should be investing in company stock in the first place is an entirely different topic (that I know this forum will discourage)
Right now the question is related to AA math when buying more of the indices
by newseahorse
Wed Mar 21, 2018 4:42 pm
Forum: Personal Investments
Topic: How to think about AA with company stock
Replies: 19
Views: 1523

How to think about AA with company stock

Hello, My investments follow target AA (80% stock and 20% bond. within stocks - 80% domestic and 20% intl) via index funds. One big exception is my vested company RSUs. That stock has become a big fraction of my investable assets (25%) and growing. Its admittedly very non bogle-ish but I am willing ...
by newseahorse
Tue Mar 06, 2018 10:02 pm
Forum: Personal Investments
Topic: Short term capital gains tax dilemma
Replies: 12
Views: 1542

Re: Short term capital gains tax dilemma

Thanks for the responses! libralibra, I am not comfortable sharing the ticker here but if you really care go ahead DM me. It didn't go up that much over a year but over 1.5 years. There was a 6 month wait post IPO for vested stock to be released. Excellent advice on selling newest batch at lower pro...
by newseahorse
Tue Mar 06, 2018 1:48 pm
Forum: Personal Investments
Topic: Short term capital gains tax dilemma
Replies: 12
Views: 1542

Short term capital gains tax dilemma

Hello! I currently have almost $400k worth of vested RSU with my employer of which the oldest lot of $230k transitions to 1 year hold mark (long term gains) in April. However my company blackout policy on employee trading will start earlier than that. Means I can either sell this month (short term t...
by newseahorse
Sun Nov 26, 2017 1:19 am
Forum: Personal Finance (Not Investing)
Topic: Gifting money internationally
Replies: 2
Views: 514

Re: Gifting money internationally

Thanks ! My read of the link you posted: $100k limit on international person gifting to US person. Beyond that there is a obligation to report the gift but still no tax liability. BTW my original post is partially inaccurate - seems like above the $14k per year limit the gifter doesnt have tax liabi...
by newseahorse
Sat Nov 25, 2017 4:31 am
Forum: Personal Finance (Not Investing)
Topic: Gifting money internationally
Replies: 2
Views: 514

Gifting money internationally

Hello! My father (Indian citizen) wants to gift some money to me, my wife and son (all Americans or US Permanent Residents) Few questions: 1.Does the $14k gift tax limit apply? I read that above that amount the tax liability is on the gifter and no tax liability on the recipient. https://turbotax.in...
by newseahorse
Sun Apr 30, 2017 4:05 pm
Forum: Personal Consumer Issues
Topic: Bus tour recommendations for Banff
Replies: 1
Views: 562

Bus tour recommendations for Banff

Hi, I have a couple of older family members who instead of driving want to take a 3-4 day bus tour of Banff in July. I suppose the starting point would have to be Calgary and the end could be either Calgary or Seattle. Any recommendations would be greatly appreciated. I found this for example but se...
by newseahorse
Thu Apr 13, 2017 12:49 am
Forum: Personal Finance (Not Investing)
Topic: Range of ACA premiums for seniors
Replies: 6
Views: 1178

Range of ACA premiums for seniors

Hi, I am (sometime later this year) going to become a US citizen. My father is 68 yr old widower. As he gets older, I would like for him to come and stay/live with me beyond what a tourist visa allows. The solution would be to sponsor his Green Card Now as a new immigrant he will not be eligible for...
by newseahorse
Sun Apr 09, 2017 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: To claim or not to claim (collision insurance) that is the question
Replies: 10
Views: 1124

Re: To claim or not to claim (collision insurance) that is the question

Nope ResearchMed - the relative is from abroad - his insurance wont apply in the US.

My insurance (like any standard car insurance in the US) should follow the car. So as long as he had my consent (he did) it should be no problem for Safeco to cover.
by newseahorse
Sun Apr 09, 2017 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: To claim or not to claim (collision insurance) that is the question
Replies: 10
Views: 1124

Re: To claim or not to claim (collision insurance) that is the question

Thanks N10sive! Edited original post to add deductible - I don't know yet if the property and car will require separate deductible. That 5k claim added 1k to your premium for 3 years so 3k. Sounds like you came out ahead Anyway to estimate increases? If asked, are insurance companies likely to share...
by newseahorse
Sun Apr 09, 2017 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: To claim or not to claim (collision insurance) that is the question
Replies: 10
Views: 1124

To claim or not to claim (collision insurance) that is the question

Hi! So a relative when trying to back out my car (2006 civic - KBB value $3.5k ) managed to damage the car and take out a pillar in the garage. I have collision coverage (and property damage amongst other coverages) with Safeco. Collision deductible is $500. I insure two cars with them and my 6 mont...
by newseahorse
Fri Mar 17, 2017 5:36 pm
Forum: Personal Investments
Topic: Help with picking bond MFs
Replies: 5
Views: 823

Re: Help with picking bond MFs

Thanks! So sounds like Vanguard Intermediate-Term Tax-Exempt Muni Bond (VWITX) is the most tax efficient of the 3 We are in 33% bracket and will be buying in taxable account. Under the current rate predictions any reason to look at other bonds that have similar tax efficiency but different maturatio...
by newseahorse
Thu Mar 16, 2017 3:45 pm
Forum: Personal Investments
Topic: Help with picking bond MFs
Replies: 5
Views: 823

Help with picking bond MFs

Hi! My target AA is 85% stock and 15% bonds Given the recent run up in stocks the balance has gone out of whack I need to buy more bonds to get back on track. But I need help picking the right bond MFs given all the news about long term rate increases. Here is the current breakup within my bond port...
by newseahorse
Tue Sep 08, 2015 8:51 pm
Forum: Personal Investments
Topic: Need to take on complexity for more tax efficient fund placement?
Replies: 10
Views: 1086

Re: Need to take on complexity for more tax efficient fund placement?

Thanks for the tips! Specifically about this one: In the other thread, you state your gross annual income. With such an income, you should be using a tax-exempt muni bond fund in taxable instead of VBTLX. I have looked into the list of Vanguard's tax-exempt bond funds and am quite confused as to wha...
by newseahorse
Tue Sep 08, 2015 2:50 am
Forum: Personal Investments
Topic: Need to take on complexity for more tax efficient fund placement?
Replies: 10
Views: 1086

Need to take on complexity for more tax efficient fund placement?

Hello! I have taken the less complicated route of : a)putting all of my and my wife's 401k on a target retirement date funds (BTC Lifepath 2040 L and Principal Trust(SM) Target 2040 Fund respectively) b)within taxable doing rebalancing to achieve target AA So essentially my 401k is on whatever AA th...
by newseahorse
Mon Aug 10, 2015 12:44 pm
Forum: Personal Investments
Topic: 35 yrs old: How am I doing?
Replies: 27
Views: 7043

Re: 35 yrs old: How am I doing?

You seem to be doing great! Congrats! We want to fully pay for both kids' college and graduate school tuitions. Can you share your target in today's dollars for one child broken up by 1)undergrad 2)grad Also what is your plan if you happen to overfund (e.g. kid decides not to go to grad schoool). Ea...
by newseahorse
Fri Aug 07, 2015 8:24 pm
Forum: Personal Investments
Topic: Get to 2.4 million in 10 years
Replies: 22
Views: 5649

Re: Get to 2.4 million in 10 years

My apologies folks - its actually married filing jointly.
That was a copy paste error on my part - sorry for the confusion.
Edited to read correctly now
by newseahorse
Fri Aug 07, 2015 9:24 am
Forum: Personal Investments
Topic: Get to 2.4 million in 10 years
Replies: 22
Views: 5649

Re: Get to 2.4 million in 10 years

Re: His 401k To clarify this - I have been maxing out my 401k in the past but since I am moving to a new employer with no match I am undecided about whether I will contribute. I haven't looked into what kind of funds they offer. But yes this question from the forum did remind me that 401k has other...
by newseahorse
Wed Aug 05, 2015 6:42 pm
Forum: Personal Investments
Topic: Get to 2.4 million in 10 years
Replies: 22
Views: 5649

Re: Get to 2.4 million in 10 years

Thanks Tanelorn ! Appreciate the response. Just to clarify - we need to get to 2.4 M in total, not 2.4 M more from where we are. So subtracting current net worth from goal = 2.4 M minus 0.6M = 1.8M more from where we are Now repeating your back of envelop math to reach goal in 10 years - need say $1...
by newseahorse
Wed Aug 05, 2015 6:09 pm
Forum: Personal Investments
Topic: Get to 2.4 million in 10 years
Replies: 22
Views: 5649

Re: Get to 2.4 million in 10 years

Bump. Thanks in advance!
by newseahorse
Wed Aug 05, 2015 2:18 am
Forum: Personal Investments
Topic: Get to 2.4 million in 10 years
Replies: 22
Views: 5649

Get to 2.4 million in 10 years

Hello, First time poster and long time lurker here! Looking for help with portfolio review and an assessment of how we are tracking for our financial goals General info: Emergency funds: 2 months worth in checking account Debt: 407k mortgage @ 2.875% 7/1 ARM Tax Filing Status: Married Filing Jointly...