Search found 558 matches

by BanditKing
Thu Dec 06, 2018 2:35 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 172
Views: 12303

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

Not too shabby, specially if it's used as intended (portable alpha) Is VTI the appropriate comparison? I'd think something more like VWENX (Wellington) might be a better match, since it also has a similar makeup. I picked up a few shares (maybe $1200) when Vanguard went live with the new free ETF l...
by BanditKing
Fri Nov 02, 2018 7:35 pm
Forum: Personal Consumer Issues
Topic: Pet Insurance Recommendations?
Replies: 11
Views: 955

Re: Pet Insurance Recommendations?

I have Figo for my Cavalier. He's just over a year old, and in that first year I had several claims due to puppy swallowing stuff he shouldn't, and once getting a door banged against his head (concussion - don't worry, he's fine). They handled all my claims quickly with no pushback or questions. My ...
by BanditKing
Tue Oct 30, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680367

Re: U.S. stocks in freefall

Stocks are up. Must be 401k purchase day.

(checks calendar)

Yup! Never fails. :D
by BanditKing
Wed Oct 17, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 188
Views: 17087

Re: Where would you go for financial guidance if you win the Megamillions?

My first question would be, can I move to another state without an income tax and then claim my prize, allowing me to not owe state income taxes on the winnings. A quick google search seems to indicate this would be possible (since the income wasn't earned until after relocation). If so, I'd rent a ...
by BanditKing
Tue Oct 02, 2018 12:20 am
Forum: Personal Finance (Not Investing)
Topic: Anyone want to share their monthly budget? Here's ours
Replies: 62
Views: 11084

Re: Anyone want to share their monthly budget? Here's ours

All below numbers are monthly USD for one person, one dog, and one cat: Housing: 1993 / 23.75% Mortgage: 1000 / 11.92% Condo Fee: 250 / 2.98% Property Taxes: 488 / 5.81% Gas/Elec: 225 / 2.68% Water: 30 / 0.36% Taxes: 325 / 3.87% (Company tends to under-withhold commissions, so this is to cover this ...
by BanditKing
Sat Sep 01, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: What is your stealth way to save monthly?
Replies: 87
Views: 9911

Re: What is your stealth way to save monthly?

1) I put $100/wk as a "car payment" into VMLUX, to pull out when I buy a car, or for large repairs 2) I put $150/biweekly into VMLUX as an "income tax escrow" to cover any shortfalls in my withholding, or 1099/Schedule C income. 3) I also claim 0 deductions on my Megacorp paycheck 4) I self-escrow f...
by BanditKing
Thu Aug 23, 2018 10:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Inter. or Total Muni [VTEAX - Tax-Exempt Bond Index]
Replies: 18
Views: 3321

Re: Vanguard - Inter. or Total Muni [VTEAX - Tax-Exempt Bond Index]

Just stumbled across this thread - as I was re-evaluating current Muni holdings... Holding the - https://investor.vanguard.com/mutual-funds/profile/overview/vwiux Intermediate Muni but saw the comments about the other - https://investor.vanguard.com/mutual-funds/profile/VTEAX index version (with th...
by BanditKing
Tue Aug 21, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 172
Views: 12303

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

Has anyone (here) actually bought in to this fund? I picked some up today as a routine ETF purchase in taxable. Not a lot - like $500 worth. In my AA calculator, I'm lumping it into the same category as I do Wellington, which has a similar equities/bond split. Interested to see how it performs.
by BanditKing
Tue Aug 21, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 172
Views: 12303

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

I mean, it's leveraged, but honestly levering up short term treasuries is basically a riskier version of something super low risk, so that basically cancels out. Oh, I understand. Was just more of an interesting observation RE Vanguard's new ETF program. Nice that it's a commission-free trade as it...
by BanditKing
Tue Aug 21, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 172
Views: 12303

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

As a general FYI, it appears this ETF qualifies as a commission-free ETF under Vanguard's new no-fee expansion that went live today, despite it being partially leveraged. Interestingly, though, it does not appear on the master list ( https://personal.vanguard.com/pdf/etfcfl.pdf ) of commission-free ...
by BanditKing
Mon Jul 23, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Biggest financial decision of my life: selling a big wad of options
Replies: 46
Views: 5451

Re: Biggest financial decision of my life: selling a big wad of options

Dumb question, but any benefit to relocating, at least on paper, to another state to avoid the CA taxes? Not sure the nuance of it, but CA = ouch.
by BanditKing
Tue Jul 03, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 96
Views: 9545

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

Currently live in Madison, and have for about 16 years. I like it here, but the winters get long sometimes. I've lived in Minneapolis and was glad to leave - traffic is a nightmare, too big, too impersonal. Madison is "just right".
by BanditKing
Tue Jun 26, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: car for long-distance driving
Replies: 80
Views: 5728

Re: car for long-distance driving

I have a cross-country roadtrip coming up next month, and my biggest issue with renting a car is they are always completely stripped down as to features. Usually bare-bones climate controls and stereo system, rougher ride. Basically all the amenities are gone. If there was a way to rent something co...
by BanditKing
Thu Jun 21, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Does an IPS really need to be 5 pages long to be valuable?
Replies: 64
Views: 3799

Re: Does an IPS really need to be 5 pages long to be valuable?

It's pretty simple, it should be as long as is suitable for you.
by BanditKing
Mon Jun 11, 2018 10:47 pm
Forum: Personal Consumer Issues
Topic: 2018 RAV 4 or Camry
Replies: 28
Views: 2575

Re: 2018 RAV 4 or Camry

The 2019 Rav4 Hybrid has my serious attention. Hoping it lives up to the expectations.
by BanditKing
Thu Jun 07, 2018 8:54 pm
Forum: Local Chapters and Bogleheads Community
Topic: Wisconsin - Madison Meetings - Master Thread
Replies: 126
Views: 38255

Re: Wisconsin - Madison Meetings - Master Thread

Planning to be there, but can't stay for long as I need to be in Sun Prairie at 1:00. Hope to learn some things though :)
by BanditKing
Mon Jun 04, 2018 12:33 am
Forum: Investing - Theory, News & General
Topic: Taxable Investing if Not Worried About Capital Gains
Replies: 9
Views: 1592

Re: Taxable Investing if Not Worried About Capital Gains

So that said, are there Vanguard or other index funds that concentrate less on dividends and more on returning capital gains that also fit into simplified portfolios?
by BanditKing
Sun Jun 03, 2018 12:42 am
Forum: Investing - Theory, News & General
Topic: Taxable Investing if Not Worried About Capital Gains
Replies: 9
Views: 1592

Taxable Investing if Not Worried About Capital Gains

This is more of a theory question, I hope. When investing in taxable, what changes would you make in the investments (funds types, for example) if you didn't need to worry about capital gains? My scenario: I am currently carrying a nearly 6-figure capital loss, so honestly, if my holdings kicked out...
by BanditKing
Tue May 29, 2018 12:17 am
Forum: Personal Consumer Issues
Topic: Buying Ford Extended Warranty online vs different plan offered by the Dealer...
Replies: 21
Views: 1572

Re: Buying Ford Extended Warranty online vs different plan offered by the Dealer...

I got a Ford 7yr ESP when I purchased my Lincoln in 2012. I ended up buying from another dealership in Michigan that apparently was working to corner the market on ESPs, and it was about 1/3 (about $950) what the dealer wanted, and still less than the lowest they could do. I've had enough minor cove...
by BanditKing
Mon May 21, 2018 1:26 pm
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 318
Views: 90753

Re: My New Car Buying Tips

One question for anyone, if I see the exceptional trucar price, does that include the destination fee or should I add that to the trucar low price? You want to be asking for the "out the door" pricing inclusive of taxes and fees, so you don't have surprises. I assume tru-car doesn't include deliver...
by BanditKing
Tue May 15, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?
Replies: 71
Views: 11454

Re: How can I clear $40-60,000/yr with $1,000,000 cash... Low Risk?

Safest I can think of off the top of my head would be AA-Rated municipal bonds. Some risk, especially interest-rate and inflation risk, but fairly safe and you can lock in 3.5-4% earnings that are fed tax-advantaged (maybe even state depending on where you live). As a result, the tax-equivalent yiel...
by BanditKing
Mon May 14, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: Seeing a rocket launch in FL
Replies: 15
Views: 1703

Re: Seeing a rocket launch in FL

I do know there are some options for VIP viewing at the visitor's center, as well.

https://www.kennedyspacecenter.com/blog ... ket-launch
by BanditKing
Sun May 13, 2018 11:02 pm
Forum: Personal Consumer Issues
Topic: Seeing a rocket launch in FL
Replies: 15
Views: 1703

Re: Seeing a rocket launch in FL

Where is a good place to be if you want to see a SpaceX booster return? I really want to see a Falcon Heavy launch and return.
by BanditKing
Sat May 05, 2018 1:02 am
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 9729

Re: Bucket List Adventures/Activities

A few years ago I did Adult Space Camp with my father (who was 72 at the time). We road-tripped from Madison, WI over two days both directions, plus 4 days at Space Camp. If anyone here is a NASA nerd like me (and my dad), I recommend it. Do the 4-day camp rather than the 3-day one. Very affordable....
by BanditKing
Fri May 04, 2018 11:31 pm
Forum: Investing - Help with Personal Investments
Topic: Berkshire Hathaway B
Replies: 65
Views: 7290

Re: Berkshire Hathaway B

I own several shares. It's so diversified that it's almost like an index itself.

I always joke that if I win the lottery (I don't actually play, so might be tough), I'd buy one share of BRK.A just to say I had it :)
by BanditKing
Mon Apr 30, 2018 10:22 am
Forum: Personal Consumer Issues
Topic: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?
Replies: 187
Views: 10507

Re: Daughter and Girlfriend, age 19, taking cross country road trip. Advice?

Are they friends or are they a romantic couple ("girlfriend" could have different meanings in this context)? If the latter, there are certain parts of the country where same-sex public displays of affection can actually put a couple into a dangerous situation. It's not right, but it is an unfortunat...
by BanditKing
Thu Sep 21, 2017 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 220
Views: 29861

Re: I won the Lottery. Need sound advice.

In addition to the advice here, and what you've been planning, the best advice I can give is to figure out how to happily live on $60,000. If you continue to earn at your rate, even cutting back a little, you'll still have a good amount going to retirements.
by BanditKing
Tue Sep 05, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Divorce money - How to invest it?
Replies: 9
Views: 2243

Re: Divorce money - How to invest it?

For now, I'd put it into a Target Retirement fund. Simple and clean. I'd also merge the IRAs together for simplicity and once merged, put them all into the same Target Retirement fund. Can you roll them to your 401k (assuming it's a good plan). I also don't like that hugely concentrated stock positi...
by BanditKing
Sat Sep 02, 2017 10:18 pm
Forum: Investing - Theory, News & General
Topic: Do you reinvest your dividends/capital gains?
Replies: 76
Views: 11139

Re: Do you reinvest your dividends/capital gains?

Fully re-invest in tax-advantaged accounts. For taxable accounts, I have proceeds go to my sweep account, and then manually reinvest them into anything lagging in my overall Asset Allocation, or invest according to my overall AA. I may take a portion of any taxable payout and put it into a High-Yiel...
by BanditKing
Thu Aug 31, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?
Replies: 35
Views: 4812

Re: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?

I just can't seem to stop fiddling around the edges. Adding tilts or tweaking to get a few extra bucks out of something. I'm sure when you factor in the time I've spent tracking and fiddling, vs any possible additional gain, it seriously isn't worth it. But I enjoy it. I suspect at some point I'll g...
by BanditKing
Thu Aug 31, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 38
Views: 8020

Re: How to deal with Amazon purchases with Mint.com??

Good to know. Thanks for checking into it. :)
by BanditKing
Thu Aug 31, 2017 12:54 pm
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 38
Views: 8020

Re: How to deal with Amazon purchases with Mint.com??

Amazon Prime card from Chase is now also 5% for Amazon purchases (with 2% for restaurants and gas). I prefer using it as it's more flexible and I have two other Chase rewards cards so I'm in the Chase ecosystem. I have an Amazon store card too, but I may cancel it bcz I don't need or like Synchrony...
by BanditKing
Wed Aug 30, 2017 1:14 am
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 38
Views: 8020

Re: How to deal with Amazon purchases with Mint.com??

Following up to my own post. Personal Capital WILL connect with the Amazon Store Card now. You'll have to set up your account at www.syncbank.com/amazon.

However, all purchases seem to be imported as "General Merchandise". The 5% Statement Credits are notated as "Other Income".
by BanditKing
Tue Aug 29, 2017 10:24 pm
Forum: Personal Consumer Issues
Topic: How to deal with Amazon purchases with Mint.com??
Replies: 38
Views: 8020

Re: How to deal with Amazon purchases with Mint.com??

For a long time at Personal Capital, the Amazon Store Card (Synchrony Bank) was not linkable. Seeing this thread I checked again, it now DOES now appear on the list of banks that PC can talk to. I need to go dig my card out and set up my card login to test it, but at least it appears to be there now.
by BanditKing
Thu Aug 17, 2017 11:27 pm
Forum: Investing - Help with Personal Investments
Topic: Temporary Bump on 401k Smart?
Replies: 4
Views: 618

Re: Temporary Bump on 401k Smart?

Put as much as you can into your tax-advantaged accounts. At your age, it will be hugely better than those of us who got our financial act together when we were closer to 40. Do everything you can to hit your magic number of $23,500 every year (more if you have access to an HSA or Solo 401k). Keep y...
by BanditKing
Tue Aug 15, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 220
Views: 22780

Re: Postal Service -- "informed delivery"

Crazy website. I went to sign up and create an account. It says I already have an account.

OK, great. Please send me my username.

Can't do that, you have to create a new account. Ok fine.

Sorry, can't create a new account, you already have one.

*facepalm* :oops:
by BanditKing
Fri Aug 11, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 8023

Re: Where To Put My Emergency Fund?

I keep about 3 months in cash at Ally, about 6 months (currently) in iBonds, and another 15 months in VWIUX in my Vanguard taxable account. I have two years total, because I feel that is how long it might take for me to find re-employment in my field, which is fairly specific. In a couple years, bet...
by BanditKing
Fri Aug 11, 2017 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Maxed out 401K now switched job. New employer auto enrolled in 401K.
Replies: 7
Views: 1691

Re: Maxed out 401K now switched job. New employer auto enrolled in 401K.

I believe you can contribute to the new 401k, but before April 15 you'll need to claw back the excess contribution plus gains (and pay taxes on it). However, the employer match doesn't need to be returned, so you definitely want to put in enough to get full employer match. As long as your deferred a...
by BanditKing
Thu Aug 10, 2017 8:19 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680367

Re: U.S. stocks in freefall

I think I'm just going to move everything into Treasuries and Toilet Paper. Consumer Staples down only -.43% today. Of course it is still lagging S&P YTD. Wait, did he mean invest in toilet paper as in those companies' stocks, or as in Doomsday Preppers? :twisted: Maybe a little of both? Actually, ...
by BanditKing
Thu Aug 10, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 8615
Views: 1680367

Re: U.S. stocks in freefall

I think I'm just going to move everything into Treasuries and Toilet Paper.
by BanditKing
Tue Jul 25, 2017 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Series 65 Volunteer Advising?
Replies: 33
Views: 3064

Re: Series 65 Volunteer Advising?

Interesting to see this thread bumped. Compliance and liability insurance are indeed my stumbling blocks. I think this would be perfect as a part-time job coupled with a pension or other income source, but tough to pull off as a "side hustle". Maybe a bunch of us should get together and start our o...
by BanditKing
Tue Jul 25, 2017 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Series 65 Volunteer Advising?
Replies: 33
Views: 3064

Re: Series 65 Volunteer Advising?

I have been toying with the same RIA side hustle approach for the past couple of years. To me, maintaining compliance with state and federal regulations on RIAs seems like the most painful part of the process. What are your thoughts about regulatory compliance? Do you plan to use a service like RIA...
by BanditKing
Tue Jul 25, 2017 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Series 65 Volunteer Advising?
Replies: 33
Views: 3064

Re: Series 65 Volunteer Advising?

From my understanding (from reading the requirements per NASAA and FINRA), you don't need sponsorship for the series 63/65/66, but series 7 is a co-requisite for 66 (meaning you can take and pass the 66, but you're not "doing" anything with it until you pass the 7 also). You can end up sponsoring y...
by BanditKing
Tue Jul 25, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Series 65 Volunteer Advising?
Replies: 33
Views: 3064

Re: Series 65 Volunteer Advising?

I just took a Series 65 class last week through Kaplan actually, and expect to sit for the test in the next week or two. You do not need sponsorship, but you would for the series 7 or Series 63/66, which most firms would want you to have. My intention is to hang out a shingle as a side hustle. I do ...
by BanditKing
Mon Jul 24, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's you safety deposit box fee?
Replies: 64
Views: 6661

Re: What's you safety deposit box fee?

$60/yr for their smallest box, which is 3" tall, about 9" wide (wide enough for paper to lay flat inside an envelope) and maybe 24" deep (longer than a legal-size page).
by BanditKing
Mon Jul 17, 2017 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: Invest the rest of the year in a tax account or save toward 2018 Roth
Replies: 9
Views: 931

Re: Invest the rest of the year in a tax account or save toward 2018 Roth

] Not a bad idea, but that seems like a lot of extra work (dealing with capital gain/ taxes) for a few hundred dollars, "if the market continues as is." It's not that much work. You'll get your 1099 from VG or whomever and you just put it in with your other interest income, etc. If your goal is to ...
by BanditKing
Mon Jul 17, 2017 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Invest the rest of the year in a tax account or save toward 2018 Roth
Replies: 9
Views: 931

Re: Invest the rest of the year in a tax account or save toward 2018 Roth

Why not both? Put it into taxable, and January 1 take $5500/$6500 out for the roth. Worst case you take a little capital gains hit, or harvest the loss. If you have a loss, maybe take it out before Dec 31 so it goes on your 2017 taxes.
by BanditKing
Sun Jul 16, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Looking for Mobile MP3 Player, What Do You Use? Why?
Replies: 8
Views: 1135

Re: Looking for Mobile MP3 Player, What Do You Use? Why?

I repurposed an old Galaxy S4 I wasn't using with a 64gb memory card, fresh new extended-life battery and a decent app to play it all. I turn everything off on it except bluetooth and it pretty much lasts forever before needing recharge.
by BanditKing
Fri Jul 14, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to Portland, OR
Replies: 26
Views: 3147

Re: Possible Relocation to Portland, OR

It was my understanding, from what I've read, that if you live in WA, but work in OR, you have to pay OR Income tax anyways. Even if I was working from home, my official "office" would be in Portland proper. If I could technically be employed in WA, then yes I'd definitely consider being across the ...
by BanditKing
Wed Jul 12, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to Portland, OR
Replies: 26
Views: 3147

Re: Possible Relocation to Portland, OR

Beautiful city. Lots to do; Sking, Hiking, Water Sport, great beer & food. I would definitely rent at first, maybe in one of the Suburbs. Public transportation is excellent. I know it's great. Long been at the top of my very short list of American cities to relocate to. If I could get even reasonab...