Search found 30 matches

by squeat
Sat Sep 08, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Preservation Fund(s)
Replies: 13
Views: 1097

Re: Portfolio Preservation Fund(s)

I appreciate all the thoughtful responses. zuma> VTINX is one of my favorite choices. I think a 30% allocation is about right where she should. goingup> I wish she could keep it where it was. It was with a really good 401k plan in a fund that had fees below 0.04%. Alas, that fund was proprietary and...
by squeat
Fri Sep 07, 2018 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Preservation Fund(s)
Replies: 13
Views: 1097

Re: Portfolio Preservation Fund(s)

I'm beginning to answer my own question. While googling around I discovered the Sortino Ratio which almost perfectly describes what I want to maximize. It's a measure of the ratio of returns to volatility with an emphasis on minimizing downside volatility. With the help of portfolioanalyzer and Morn...
by squeat
Fri Sep 07, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Preservation Fund(s)
Replies: 13
Views: 1097

Re: Portfolio Preservation Fund(s)

Is the goal for the portfolio to never lose ANY value? It's a bit of an academic exercise. I suppose I'm looking for a fund that is close to the efficient frontier where the return-to-volatility ratio is maximized. And saying that "out loud" makes me think I just need to find that data and analyze ...
by squeat
Fri Sep 07, 2018 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Preservation Fund(s)
Replies: 13
Views: 1097

Portfolio Preservation Fund(s)

I'd like to hear opinions on what 1 (or maybe 2) funds from Vanguard you would choose to preserve a portfolio with maybe a little opportunity for growth. For example, I think of funds like Wellesley or Target Income as funds that might position themselves on the knee of the efficient frontier curve ...
by squeat
Thu Apr 26, 2018 12:40 am
Forum: Personal Consumer Issues
Topic: Google Sheet Tip - calculating inflation-adjusted current dollar amounts for past years
Replies: 1
Views: 1152

Re: Google Sheet Tip - calculating inflation-adjusted current dollar amounts for past years

Thanks for posting this hoppy! I was interested in computing the CPI for the previous year so, inspired by your solution, I came up with this: =(IMPORTXML("https://data.bls.gov/cgi-bin/cpicalc.pl?cost1=100&year1="&TEXT(TODAY()-365-31,"yyyyMM")&"&year2="&TEXT(TODAY()-31,"yyyyMM"), "//span[@id='answer...
by squeat
Fri Jan 19, 2018 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: e-filing 1099-MISC
Replies: 0
Views: 181

e-filing 1099-MISC

This year I paid a contractor more than $600 for services on my rental property so I need to send him a 1099-MISC. It looks like there are several websites out there that handle this process for a small fee. Does anybody have experience (good or bad) with any of these? For example, efile1099now.com,...
by squeat
Mon Aug 28, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Account
Replies: 2
Views: 687

Re: Vanguard Brokerage Account

The main advantage is that Vanguard will stop bugging you. Besides that it's just a rose of a different name. It doesn't make any noticeable difference to me. One small advantage, if you inherit stocks, you can have them transferred in-kind to a brokerage account (then sell them and buy Vanguard fun...
by squeat
Thu Aug 10, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: How much Roth conversion?
Replies: 14
Views: 1808

Re: How much Roth conversion?

Add up standard deduction, personal exemption(s) and tax brackets for your marriage status. Subtract out the $5k of income and interest/dividend income to figure out how much you have left to fill up the 15% bracket.

Click here for info on the brackets.
by squeat
Thu Aug 10, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Leaving My Advisor/Getting Caught Up In Specifics
Replies: 3
Views: 690

Re: Leaving My Advisor/Getting Caught Up In Specifics

The first thing I would do is transfer as much of the investments to your new brokerage (Vanguard?) as possible, but be sure to use the "in-kind" transfer. If you use "in-kind" transfer then there will be no sales or capital gains. The sooner they are transferred out the sooner you will be avoiding ...
by squeat
Thu Aug 10, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: 3F Portfolio Beginner with Low Income
Replies: 7
Views: 1934

Re: The Three-Fund Portfolio [Portfolio help]

I just want to mention that you should make sure you get any company match in your 401k before you contribute outside of the 401k. If that means you have to invest a little in bonds in your 401k bonds, that's ok because getting the match (free money) should trump optimal allocation. And yes, you can...
by squeat
Wed Feb 08, 2017 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct still not importing stock data
Replies: 32
Views: 6098

Re: TaxAct still not importing stock data

Make your own attachments using spreadsheet software after downloading the csv. Use "Enter totals from a statement of transactions that you will attach to your return." You need to separate long and short term, covered and non-covered transactions so that each is on a separate sheet. Maybe I wasn't...
by squeat
Wed Feb 08, 2017 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct still not importing stock data
Replies: 32
Views: 6098

Re: TaxAct still not importing stock data

I've used HRBlock for a couple years. Seems solid enough. I key everything in so can't comment on uploading. I could key the data in but this is a feature I'm accustomed to using. Especially with having to import a bunch of LendingClub transactions (my last year of using LC). Does HRB have stock da...
by squeat
Wed Feb 08, 2017 7:22 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct still not importing stock data
Replies: 32
Views: 6098

TaxAct still not importing stock data

It's February 8, and TaxAct still doesn't have a key piece of functionality working yet, the ability to import stock data. How can a major player in tax preparation have a basic functionality not working? I contacted their support and got a vague hand-waving answer saying it was coming "soon". But t...
by squeat
Tue Mar 31, 2015 11:00 pm
Forum: Personal Consumer Issues
Topic: Cloud Storage
Replies: 44
Views: 7145

Re: Cloud Storage

Check out spideroak.com. As far as I can tell they are the most secure cloud backup solution. I'm a happy customer.
by squeat
Sun Mar 29, 2015 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Confused - ACA (Affordable Care Act) refund seems high
Replies: 11
Views: 1575

Re: Confused - ACA refund seems high

An income of $20000 puts her squarely into the 150-200% of FPL. According to this site, that means she should pay at most between 4 and 6.3% of her income for health care. If we say she's at 5%, 5% of $20,000 is $1000, or $83.33/month. So yes, she has been overpaying!
by squeat
Sat Jan 31, 2015 7:17 pm
Forum: Investing - Theory, News & General
Topic: When should you stop contributing to an HSA?
Replies: 31
Views: 4553

Re: When should you stop contributing to an HSA?

You can pretty much avoid higher costs. I'm using Elements Financial. There are no account fees if I keep a minimum of $2500 in the HSA cash account at 1% interest and I can put the rest in a TD Ameritrade brokerage account and get Vanguard Index Fund ETFs for no fees. I think HSA Bank and some oth...
by squeat
Sat Jan 31, 2015 7:08 pm
Forum: Investing - Theory, News & General
Topic: When should you stop contributing to an HSA?
Replies: 31
Views: 4553

Re: When should you stop contributing to an HSA?

how can one have far too much money? One of my original assumptions and reasons for asking this questions is that HSA providers typically have higher expenses than IRA providers. And since I fancy myself as a Boglehead I'd like to keep my expenses to a minimum and not contribute too much to a fund ...
by squeat
Sat Jan 31, 2015 5:15 pm
Forum: Investing - Theory, News & General
Topic: When should you stop contributing to an HSA?
Replies: 31
Views: 4553

Re: When should you stop contributing to an HSA?

Thanks to all have replied for obliging my somewhat silly question. It seems that the consensus answer is "never stop contributing to the HSA".
by squeat
Sat Jan 31, 2015 2:33 pm
Forum: Investing - Theory, News & General
Topic: When should you stop contributing to an HSA?
Replies: 31
Views: 4553

Re: When should you stop contributing to an HSA?

HSA contributions are deductible with no income limit. IRA contributions are deductible only if you don't exceed the income limit, so the HSA is beneficial to higher income people who can't deduct IRA contributions. Some employers pay for part of your contribution, and it's hard to pass up free mon...
by squeat
Sat Jan 31, 2015 2:23 pm
Forum: Investing - Theory, News & General
Topic: When should you stop contributing to an HSA?
Replies: 31
Views: 4553

Re: When should you stop contributing to an HSA?

If I could I would max my HSA every year and treat it as a Roth IRA (read: retirement savings) with extra perks. I see no reason to do otherwise. Isn't it more like a traditional IRA for non-medical expenses? Yes, but there is no way that your or your dependents will never have a medical expense fo...
by squeat
Sat Jan 31, 2015 2:20 pm
Forum: Investing - Theory, News & General
Topic: When should you stop contributing to an HSA?
Replies: 31
Views: 4553

Re: When should you stop contributing to an HSA?

The deductible is only part of the equation. After the 5000, you'll still be paying for some portion of your medical expenses typically. What is your yearly out of pocket maximum for the plan? In terms of how much to contribute, ideally you would max out both the ira and the hsa to the extent that ...
by squeat
Sat Jan 31, 2015 2:12 pm
Forum: Investing - Theory, News & General
Topic: When should you stop contributing to an HSA?
Replies: 31
Views: 4553

Re: When should you stop contributing to an HSA?

RyeWhiskey wrote:If I could I would max my HSA every year and treat it as a Roth IRA (read: retirement savings) with extra perks. I see no reason to do otherwise.
Isn't it more like a traditional IRA for non-medical expenses?
by squeat
Sat Jan 31, 2015 1:18 pm
Forum: Investing - Theory, News & General
Topic: When should you stop contributing to an HSA?
Replies: 31
Views: 4553

When should you stop contributing to an HSA?

HSA's are great... if you have medical expenses. But outside of medical expenses, for a healthy person an HSA is oftentimes a poor substitute for a traditional IRA because the expenses and fees to administer an HSA are usually higher, and the investment options are usually poorer. So, given that med...
by squeat
Mon Apr 14, 2014 6:45 pm
Forum: Investing - Theory, News & General
Topic: Annuities
Replies: 59
Views: 18336

Re: Annuities

I think there is a place for annuities in every retirement portfolio. For me personally, I will want some annuities to protect against the risk of outliving my money. In other words, if I'm fortunate enough to live a really long time, I don't want to worry about where the money will come from. I als...
by squeat
Wed Nov 13, 2013 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Question about opening HSA
Replies: 13
Views: 2685

Re: Question about opening HSA

Given that you are wanting to use the money in the shorter term for lasik, I think you should go with the LMCU option and preserve your investment. Also, I just hate paying fees. I'm looking for a good HSA option with minimal fees and good investment options but haven't found one yet.
by squeat
Wed Oct 16, 2013 9:53 pm
Forum: Investing - Theory, News & General
Topic: Why do I need bonds again?
Replies: 42
Views: 5416

Re: Why do I need bonds again?

To answer the original question, Modern Portofolio Theory claims that you can minimize your risk for a given return by combining assets from different asset classes. Thus a portfolio that contains some amount of bonds should return the same amount over time as a portfolio with all stocks but with le...
by squeat
Wed Oct 16, 2013 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Computer virus protection
Replies: 8
Views: 1137

Re: Computer virus protection

Check out Sophos. They have Windows and Mac tools for removing viruses. And the price is right (free).
by squeat
Sun Apr 28, 2013 6:20 pm
Forum: Personal Consumer Issues
Topic: Web Deveoper (ASP.NET) - What to learn next?
Replies: 17
Views: 1456

Re: Web Deveoper (ASP.NET) - What to learn next?

I second the Ruby on Rails idea but it doesn't tie in with ASP.net. I think you should investigate some of the interesting new javascript frameworks like ember.js or angular.js. And don't forget to contribute to that 401k! :wink:
by squeat
Sun Apr 28, 2013 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Your best financial move
Replies: 98
Views: 10504

Re: Your best financial move

Buying a smaller house when everyone else was buying bigger and paying myself first (large 401k contributions throughout my career). Going back even further in my investing career, I think the fact that my first job out of college made me miserable opened my eyes to investing and the idea of not wor...
by squeat
Sun Apr 28, 2013 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Take Soc Security early or not?
Replies: 27
Views: 3943

Re: Take Soc Security early or not?

One other consideration is whether you have lots of money in traditional IRA/401k that could be converted to Roth. The time between early retirement and collecting SS benefits might be a good time to do that because they could be converted at lower tax rates.