Search found 49 matches

by hbgpharmd
Mon Apr 30, 2018 12:59 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2565

Re: What Android browser do you use?

Chrome most of the time...I've tried Firefox, but don't typically use it.

I'd recommend spending a few bucks on a VPN as well...happy browsing!
by hbgpharmd
Mon Apr 30, 2018 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating total stock market
Replies: 8
Views: 754

Re: Approximating total stock market

I am thinking of rolling over an IRA with a big investment in vanguard total stock market to a 401K which has only vanguard 500 and vanguard small cap. Should I balance it out with a mid-cap fund elsewhere, or is the approximation close enough? Any recommendation for percentages to put in small cap...
by hbgpharmd
Mon Feb 13, 2017 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer advice
Replies: 16
Views: 2058

Re: First time home buyer advice

Thanks for all the replies everyone...I appreciate it. I've got one follow-up question regarding private mortgage insurance (PMI). I was under the impression that if you put less than 20% down, you have to pay PMI for as long as it takes you to reach 20% equity via making payments and/or market appr...
by hbgpharmd
Mon Feb 06, 2017 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: First time home buyer advice
Replies: 16
Views: 2058

First time home buyer advice

I'm thinking of purchasing my first home this year. I've been renting since I graduated college eight years ago, and although I've not been involved in a real estate transaction, I'm pretty savvy in matters related to personal finance...I'd definitely describe myself as frugal, or "cost-conscious." ...
by hbgpharmd
Fri May 13, 2016 9:51 am
Forum: Investing - Theory, News & General
Topic: Jonathan Clements Money Guide 2015 -- A Gem
Replies: 19
Views: 4878

Re: Jonathan Clements Money Guide 2015 -- A Gem

Anyone pick up Money Guide 2016?

I bought it a few weeks ago and have been paging through it...seems like a solid reference.

I just looked through the detailed index and didn't come across the "Rules of the Road" that Taylor quoted...maybe that was just for his 2015 edition.
by hbgpharmd
Fri Apr 22, 2016 5:56 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 86
Views: 15485

Re: Better than amazon??

I recently discovered a way to save 15-20% on Amazon orders, by using the site purse.io. https://purse.io/ The savings are based on the fact that there's no good way to get rid of Amazon gift cards due to the fact that they're not traded on gift card exchange sites. Because of this, people are willi...
by hbgpharmd
Sat Mar 19, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: Best Siri-like app for android?
Replies: 8
Views: 890

Re: Best Siri-like app for android?

The Google app works great for me...you can set it up so that you just have to say "ok Google" to have it listen for a voice command. Some examples of commands: "show me pictures of skyscrapers" "what is 1252 times 35923?" "set an alarm" "take a note" "text Vincent Vega" "call Abe Frohman" You can a...
by hbgpharmd
Sun Jan 03, 2016 11:19 am
Forum: Personal Finance (Not Investing)
Topic: Savings % Target 2016?
Replies: 168
Views: 13902

Re: Savings % Target 2016?

Per my IPS, my yearly goal is to save 50% of each year’s after-tax income. I calculate this percentage as

amount saved in all accounts (IRA’s + taxable) / (net pay, including Simple IRA contribution)

For tax year 2015, 50% net savings = 37% gross savings
by hbgpharmd
Thu Dec 31, 2015 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Roll Call for Tax-Loss Harvesting Class of 2015
Replies: 62
Views: 4336

Re: Roll Call for Tax-Loss Harvesting Class of 2015

I also tax loss harvested for the first time in 2015. This took place during the summer selloff, which I suspect is when many others TLH-ed as well. The bulk of my losses were realized in two transactions: (1) I exchanged Total International (VTIAX) for Developed Markets (VTMGX) in my taxable accoun...
by hbgpharmd
Thu Dec 24, 2015 10:30 am
Forum: Investing - Theory, News & General
Topic: Shorting stocks during a crash?
Replies: 28
Views: 2687

Re: Shorting stocks during a crash?

As others have said, a lot of luck is required to profitably time a short position during a crash. The market timing aspect aside, shorting stocks does present a lot of hassle factors, as well as unique risks. I agree with bigred77 that buying put options are a better way for the non-professional to...
by hbgpharmd
Mon Dec 21, 2015 12:41 pm
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 45
Views: 8857

Re: 10% off Target GiftCards - Black Friday Preview

My goal is to transfer my Target gift card balance into a more utilizable form of stored value. In a sense, I'm trying to convert it into the most liquid form possible. Ideally, I'd be able to just pay off my Amex with the $300 gift card, or convert it to a PayPal account balance, and net the $30 sa...
by hbgpharmd
Sun Dec 20, 2015 4:34 pm
Forum: Personal Consumer Issues
Topic: 10% off Target GiftCards - Black Friday Preview
Replies: 45
Views: 8857

Re: 10% off Target GiftCards - Black Friday Preview

I don't do a whole lot of shopping at Target, but I'll definitely take advantage by purchasing gift cards to other stores with the discounted Target gift card.
by hbgpharmd
Sun Dec 06, 2015 2:35 pm
Forum: Investing - Theory, News & General
Topic: "Duration" of S & P 500 (as of 3-4-16)
Replies: 81
Views: 8236

Re: "Duration" of S & P 500 (as of 12-04-15)

So if duration of a stock equals 1 divided by dividend yield, then the duration of stocks that don't pay dividends is infinity? Or maybe negative infinity...
by hbgpharmd
Thu Sep 24, 2015 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: A fool and his money are soon separated. Unfortunately I'm the fool. [Car lease]
Replies: 15
Views: 2866

Re: A fool and his money are soon separated. Unfortunately I'm the fool.

If you're going to book a similar loss regardless, then it might be easier to consider two separate issues. (1) the loss you'll realize upon selling the car (2) the practical and aesthetic value of the car It seems like the outcome of (1) doesn't really depend on which point of the lease term you de...
by hbgpharmd
Sat Sep 19, 2015 10:29 am
Forum: Investing - Theory, News & General
Topic: Vanguard updates frequent-trading policy
Replies: 60
Views: 8605

Re: Vanguard updates frequent-trading policy

I took advantage of the update to the frequent trading policy yesterday. I bought back into my preferred international equity fund, VTIAX, after I exchanged it for TLH purposes (for VFWAX) on 7/27/15. Up until some point this week, when I'd test out my capability to buy back into VTIAX, I'd get stop...
by hbgpharmd
Thu Sep 17, 2015 6:40 am
Forum: Investing - Theory, News & General
Topic: Vanguard updates frequent-trading policy
Replies: 60
Views: 8605

Re: Vanguard updates frequent-trading policy

I executed a TLH transaction from VTIAX to VFWAX in late July. Up until last night, if I went through the online steps to exchange from VFWAX back into VTIAX, a message popped up about the 60-day restriction, and that the soonest that I can purchase back into VTIAX (via online transaction, anyway) i...
by hbgpharmd
Wed Aug 26, 2015 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Multiple TLH Question
Replies: 1
Views: 228

Re: Multiple TLH Question

I did the exact same TLH move last week as well (sell VTIAX, buy VFWAX). So long as you exchange all shares of VFWAX, you're in the clear wash-sale wise. Developed Market Index (Admiral Class) has the ticker symbol of VTMGX...if you want to replicate total international exposure (without using VFWAX...
by hbgpharmd
Tue Aug 25, 2015 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Dealing with a sell off as a young investor
Replies: 13
Views: 1614

Re: Dealing with a sell off as a young investor

I'm a relatively new investor...dabbled in a brokerage account after I graduated college in 2010, and started investing Boglehead-style in early 2012. The past week has definitely been the greatest loss I've endured since I began investing. Although I fully expect many corrections/bear markets throu...
by hbgpharmd
Wed Aug 05, 2015 6:41 am
Forum: Investing - Help with Personal Investments
Topic: Monthly automatic investment with mutual funds?
Replies: 15
Views: 1627

Re: Monthly automatic investment with mutual funds?

The fund you're interested in, Schwab's S&P 500 Index Fund, is quite tax efficient and a great holding for a taxable account. As long as you're not selling any shares, the only taxes you'll be responsible for will be on the dividends it throws off every year. These days, S&P 500 dividends are around...
by hbgpharmd
Tue Jul 28, 2015 6:51 pm
Forum: Investing - Help with Personal Investments
Topic: Is FFNOX similar to the 3 fund portfolio?
Replies: 7
Views: 1279

Re: Is FFNOX similar to the 3 fund portfolio?

FFNOX was the most boglehead-ish fund-of-funds that Fidelity carried for a long time, due to its inclusion of only index funds and its low cost. Within the past few years, however, Fidelity released their Freedom Index series of retirement funds. These funds have some advantages over FFNOX if you pl...
by hbgpharmd
Mon Jul 27, 2015 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting Strategies
Replies: 8
Views: 851

Re: Tax Loss Harvesting Strategies

I did my first TLH ever today, as a matter of fact. I had about $1500 worth of losses between VTIAX (Vanguard Total International Stock Index Fund) and VEMAX (Vanguard Emerging Markets Stock Index Fund) in my taxable account that I figured was worth claiming. The losses will probably end up being be...
by hbgpharmd
Mon Jul 20, 2015 6:46 am
Forum: Personal Consumer Issues
Topic: Electric Factory?
Replies: 3
Views: 660

Re: Electric Factory?

Quite the change of venue...the Mann is much larger. The Electric Factory's not too bad...I saw Breaking Benjamin there around 2005. Mid-sized indoor venue. I've been to several small/mid-sized venues, and I can't think of one that left me a better impression than EF. If you're interested in seeing ...
by hbgpharmd
Fri Jul 10, 2015 11:51 am
Forum: Personal Consumer Issues
Topic: Good Low ER Fidelity Indexes
Replies: 16
Views: 1336

Re: Good Low ER Fidelity Indexes

Why not the long-term bond if I'm looking 30+ years out wouldn't that probably provide a higher yield? Correct that the long-term bond fund will probably provide higher yield. Choosing between total bond and long-term treasury for your bond holding depends what your main goal of the holding is. Bot...
by hbgpharmd
Mon Jul 06, 2015 5:57 pm
Forum: Personal Consumer Issues
Topic: Worst financial book you have read (or will admit you have read)
Replies: 94
Views: 14884

Re: Worst financial book you have read (or will admit you have read)

gatorking wrote:The worst "financial" book I read has to be Rich Dad, Poor Dad by Robert Kiyasaki.
+1
by hbgpharmd
Fri Jul 03, 2015 8:17 am
Forum: Personal Finance (Not Investing)
Topic: Amex 6.99% interest offer
Replies: 20
Views: 7012

Re: Amex 6.99% interest offer

I got the offer too...didn't accept it though, as it won't make a difference for me.
by hbgpharmd
Wed Jun 10, 2015 6:10 am
Forum: Personal Consumer Issues
Topic: 2016 Mazda CX-5 AWD Touring no extra packages
Replies: 5
Views: 1344

Re: 2016 Mazda CX-5 AWD Touring no extra packages

I'd say so...I bought a 2015 CX-5 AWD Touring, no extras, about 8 months ago for $25.5k...$27k including tax, title and tags.

But then again, truecar.com was the main determinant for how good of a deal I felt I was getting.
by hbgpharmd
Tue Jun 09, 2015 10:17 am
Forum: Investing - Theory, News & General
Topic: 9 Funds for a Rainy Day
Replies: 16
Views: 4149

Re: 9 Funds for a Rainy Day

Which are the other 8 funds?
by hbgpharmd
Wed Jun 03, 2015 8:33 pm
Forum: Personal Consumer Issues
Topic: Canadian money
Replies: 34
Views: 8318

Re: Canadian money

So Norbert's Gambit is of no use to US investors who a are seeking a cheap means of converting USD to physical CAD.

Any other creative ways that a US investor can use to obtain physical CAD for a low transaction cost/low spread?
by hbgpharmd
Wed Jun 03, 2015 6:10 am
Forum: Personal Consumer Issues
Topic: Canadian money
Replies: 34
Views: 8318

Re: Canadian money

Here's the link directly, which is from our Sister Canadian website's wiki: Norbert's Gambit - finiki, the Canadian financial wiki The technique might be overkill for a quick trip across the border. Cool idea to gain exposure to a currency via brokerage account. The part I don't understand is at ho...
by hbgpharmd
Fri May 22, 2015 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Not able to max out all the retirement accounts
Replies: 69
Views: 6561

Re: Not able to max out all the retirement accounts

110,000 - (12 x 5,000) = $60,000/year

Which retirement accounts are you eligible for?

2 iras + 2 401k's = $11,000 + $36,000 = $47,000/year contribution limit

Seems like even with the most generous retirement accounts (contribution-wise) that you should be able to max them out.
by hbgpharmd
Sat Apr 11, 2015 12:16 pm
Forum: Personal Consumer Issues
Topic: Has Anyone had a Credit Card Cancelled for not Using It
Replies: 51
Views: 9582

Re: Has Anyone had a Credit Card Cancelled for not Using It

I had a Wells Fargo credit card for overdraft protection about 5 years ago. I don't think that I signed up for it, rather WF contacted me and asked if I wanted a credit card through them that would cover an overdraft should one occur...ended up not using it even once during the few years I had it. I...
by hbgpharmd
Sat Feb 21, 2015 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: The QQQ fund?
Replies: 25
Views: 4616

Re: The QQQ fund?

From Invesco's website: "PowerShares QQQ™, formerly known as "QQQ" or the "NASDAQ- 100 Index Tracking Stock®", is an exchange-traded fund based on the Nasdaq-100 Index®. The Fund will, under most circumstances, consist of all of stocks in the Index. The Index includes 100 of the largest domestic and...
by hbgpharmd
Tue Feb 03, 2015 7:55 am
Forum: Investing - Help with Personal Investments
Topic: GLD (SPDR Gold Shares) and Taxes
Replies: 25
Views: 10816

Re: GLD (SPDR Gold Shares) and Taxes

Would the same complicated tax treatments apply to holding a call option on GLD in a taxable account?
by hbgpharmd
Tue Jan 06, 2015 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: How do you calculate your savings rate?
Replies: 44
Views: 6181

Re: How do you calculate your savings rate?

Numerator
1) Cash Savings
2) Simple IRA Contributions + Match
3) Roth IRA Contributions
4) Taxable Account Contributions

Denominator
1) After-tax salary
2) Simple IRA Contributions + Match

Rationale---> (amount I save)/(amount I have a say over) = savings rate
by hbgpharmd
Wed Dec 17, 2014 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: First time TLH harvester - help please
Replies: 13
Views: 931

Re: First time TLH harvester - help please

looks like I screwed myself out of the 2014 tax loss by making my 12/12 automatic investment of $4500? At least as I am interpreting the wash sale rules (buying 30 days before selling at a loss)... So basically if I want to I can wait until after 1/12/15 and then sell at the loss and do the TLH for...
by hbgpharmd
Wed Nov 12, 2014 1:33 pm
Forum: Investing - Theory, News & General
Topic: What if you only invested at market peaks?
Replies: 4
Views: 1389

What if you only invested at market peaks?

http://awealthofcommonsense.com/worlds- ... ket-timer/

Not sure if anyone's come across this article before...great testament for staying the course.
by hbgpharmd
Wed Nov 12, 2014 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14
Replies: 58
Views: 54502

Re: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14

I applied and was approved for a LightStream new car loan about 3 weeks ago. The online process was simple. Someone from LightStream called me a few hours after I applied to verify my identity, and also asked what year, make and model of car I was purchasing. The approval e-mail came about an hour a...
by hbgpharmd
Wed Nov 12, 2014 12:40 pm
Forum: Personal Consumer Issues
Topic: History of American mortgages
Replies: 11
Views: 1568

Re: History of American mortgages

I'd be interested to read the last section of the article if it had been written eight months later...
by hbgpharmd
Wed Oct 08, 2014 1:36 pm
Forum: Investing - Theory, News & General
Topic: Why Hold Cash in Retirement Account
Replies: 21
Views: 2855

Re: Why Hold Cash in Retirement Account

http://www.bogleheads.org/wiki/Placing_ ... ed_Account

The arguments for holding cash in a retirement account make more sense when cash equivalents are yielding more than the current 1% or so.
by hbgpharmd
Mon Oct 06, 2014 11:35 am
Forum: Investing - Theory, News & General
Topic: 4% market drop causes huge drop in sentiment
Replies: 22
Views: 6292

Re: 4% market drop causes huge drop in sentiment

I get the VIX index...prices for options, both calls and puts, increases due to increased implied volatility. Options get more expensive when people expect large moves in the underlying's price. How are they able to draw conclusions about market sentiment with the call/put ratio? Does the collective...
by hbgpharmd
Thu Sep 18, 2014 11:30 am
Forum: Investing - Help with Personal Investments
Topic: Random Contributions
Replies: 16
Views: 1470

Re: Random Contributions

"After you contribute this amount, do you ever have urges to contribute more?" Absolutely...SIMPLE IRA deducts the max from each pay check, Roth gets topped off each January, and the rest of investment savings goes into a taxable account @ VG. The only time my checking account has >$500 is if a bill...
by hbgpharmd
Mon Sep 08, 2014 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: 1.99% Unsecured "AnythingLoan" READ UPDATE 9-10-14
Replies: 58
Views: 54502

Re: 1.99% Unsecured "AnythingLoan"

The loan application process is sort of perplexing to me...I always thought one needed a SS# to apply for a loan/credit card. If I were to take out one of these loans, would it go on my credit history? In the past, within a few weeks of applying for a new credit card or loan, the details appear on m...
by hbgpharmd
Wed Aug 27, 2014 11:36 am
Forum: Investing - Theory, News & General
Topic: International allocation
Replies: 81
Views: 8131

Re: International allocation

My portfolio is 90% equity/10% bonds, and I keep my international exposure between 30-40% of equities (33-44% of portfolio.)

Currently at 37.3% of equities.

I'm much more concerned with tighter regulation of the bond/stock split vs domestic/international.
by hbgpharmd
Tue Aug 26, 2014 6:44 am
Forum: Investing - Help with Personal Investments
Topic: Which online broker suites my needs best?
Replies: 10
Views: 1018

Re: Which online broker suites my needs best?

Thank-you both for the input. Dumb question; when you say "standard Boglehead investments", what are you referring to? (I'm assuming I'm missing something available on this website) By standard Boglehead investments I mean that now I only use very low cost, total market ETFs and mutual funds to mak...
by hbgpharmd
Mon Aug 25, 2014 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: Which online broker suites my needs best?
Replies: 10
Views: 1018

Re: Which online broker suites my needs best?

I've had good experiences with OptionsHouse. They market themselves towards options traders, but are great for stocks as well ($4.75/trade). The brokers that offer free trades usually restrict them to ETFs, and even then it's only either their own ETFs or limited group of ETFs. Minimum amount to ope...
by hbgpharmd
Mon Jun 30, 2014 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Buffett Advice
Replies: 4
Views: 1226

Re: Buffett Advice

We've talked about Buffett's rules for investing before, but here's the gist of how to get started: If you invested in a very low cost index fund—where you don't put the money in at one time, but average in over 10 years—you'll do better than 90% of people who start investing at the same time. I gu...
by hbgpharmd
Sat May 31, 2014 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Holding the same fund in taxable and non-taxable accounts
Replies: 11
Views: 1369

Re: Holding the same fund in taxable and non-taxable account

Wouldn't the sale have to be both more than 30 days after any dividend and more than thirty days before? If not, the dividend portions could not be claimed as a loss. I think if you sell one share at at $5 loss and then one share is purchased for dividend reinvestment at $12, then your new share wi...
by hbgpharmd
Wed Oct 30, 2013 1:28 pm
Forum: Investing - Theory, News & General
Topic: Why are CD rates less than savings account rates?
Replies: 9
Views: 1989

Why are CD rates less than savings account rates?

I've been looking at the rates that online banks are offering for their CDs and savings accounts: https://home.capitalone360.com/rates http://www.ally.com/bank/compare/ https://personalsavings.americanexpress.com/cd-product.html & https://personalsavings.americanexpress.com/savings-product.html I wa...