Search found 1315 matches

by TIAX
Sat Jul 04, 2020 2:11 am
Forum: Personal Investments
Topic: What to do with significant index changes, e.g., S&P 500 adding Tesla
Replies: 34
Views: 3946

Re: What to do with significant index changes, e.g., S&P 500 adding Tesla

Just to be clear, an index fund is not required to buy a stock on the day it is added to the index. It is not required to buy the stock at all . An index fund is a fund whose stated goal is to track the index, but it has latitude in how it chooses to do it. Although funds don't have to buy stocks o...
by TIAX
Fri Jul 03, 2020 12:04 pm
Forum: Personal Investments
Topic: Should I change asset allocation to feel less anxiety
Replies: 54
Views: 3525

Re: Should I change asset allocation to feel less anxiety

If you truly want to change your asset allocation and are not just market-timing, why don't you wait until the market is at all-time highs and then change your allocation.
by TIAX
Fri Jul 03, 2020 12:00 pm
Forum: Personal Investments
Topic: I Thought I Had a HDHP
Replies: 19
Views: 1985

Re: I Thought I Had a HDHP

Get your certificate of coverage and see if it mentions that it's an HDHP or HSAs. Others are correct that HSA is often in the name.
by TIAX
Mon Jun 29, 2020 11:16 am
Forum: Investing - Theory, News & General
Topic: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used [vs. lump sum]
Replies: 752
Views: 32917

Re: Why Dollar Cost Averaging (DCA) is a mental accounting bias and should never be used

After all, delaying an investment by a few months is trivial in the course of an investing lifetime. I might agree if it were a one-time event. But generally, people who DCA, DCA all the time. For example, instead of maxing out their 401K as early in the year as possible, they will spread out their...
by TIAX
Sat Jun 27, 2020 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: Seller did not make agreed upon repairs; closing in 2 days
Replies: 55
Views: 5740

Re: Seller did not make agreed upon repairs; closing in 2 days

(2) seems reasonable (with your attorney). Discuss with your attorney threatenening to file suit and a lis pendens if the seller doesn't agree.
by TIAX
Thu Jun 25, 2020 1:15 am
Forum: Personal Finance (Not Investing)
Topic: Maximizing Tax Advantage of UTMA
Replies: 24
Views: 3413

Re: Maximizing Tax Advantage of UTMA

When you fill out Form 8615, in the instruction there are one of three worksheets for Line 5 that will prorate all income the dependent has in all accounts. If they exist for the tax year, they will be prorated. There was nothing in the tax reform that should have changed this. We will no for certa...
by TIAX
Mon Jun 15, 2020 10:22 pm
Forum: Personal Investments
Topic: Ditching International
Replies: 274
Views: 15636

Re: Ditching International

Make sure to buy back international after it does better for 10 years or so.
by TIAX
Sun Jun 07, 2020 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: No Health Ins, health catastrophe advice
Replies: 14
Views: 1210

Re: No Health Ins, health catastrophe advice

I would speak with an attorney about selling the house or putting it in a trust. How much equity does he have in the house?
by TIAX
Sat May 16, 2020 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking of buying a boat during pandemic – am I CRAZY?
Replies: 80
Views: 5633

Re: Thinking of buying a boat during pandemic – am I CRAZY?

Why are you still working and buy the boat.
by TIAX
Sat May 16, 2020 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Cancel for any reason - travel insurance
Replies: 21
Views: 1270

Re: Cancel for any reason - travel insurance

Insurance generally only makes sense for events you can't self-insure. Is travel really such an event? And if not, wouldn't it make sense to just self-insure?
by TIAX
Fri May 15, 2020 10:17 pm
Forum: Personal Investments
Topic: Help fill out Form 5500_401K-Solo terminated
Replies: 10
Views: 479

Re: Help fill out Form 5500_401K-Solo terminated

Any reason you are closing it? ie business closing down. If you simply wish to change providers you don't need to close the plan. Will be hiring W-2 employee(s) so 401K solo won't be an option any more. I will probably open SIMPLE IRA or other type of retirement plans but not at this moment. Does t...
by TIAX
Thu May 14, 2020 8:11 pm
Forum: Personal Investments
Topic: Lost Job Temporarily -- Sell Brokerage?
Replies: 19
Views: 1831

Re: Lost Job Temporarily -- Sell Brokerage?

Any reason you're only investing in taxable and not a solo 401(k) or IRA?
by TIAX
Sun May 10, 2020 8:34 pm
Forum: Personal Investments
Topic: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..
Replies: 50
Views: 3352

Re: My Employer, Walmart, Is Now Offering A Roth 401k Option In 2020..

What federal and state marginal tax brackets will you be in in 2020?
by TIAX
Sat May 09, 2020 1:09 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13589

Re: Will "work from home" destroy the commercial real estate market?

First, not everyone has a large house with an office. Some people live in cities in small apartments and it may be very difficult to work from home (having no separate office or maybe even room for a desk) and nearly impossible for two people to work from home at the same time. Almost all of my emp...
by TIAX
Sat May 09, 2020 1:05 pm
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13589

Re: Will "work from home" destroy the commercial real estate market?

First, not everyone has a large house with an office. Some people live in cities in small apartments and it may be very difficult to work from home (having no separate office or maybe even room for a desk) and nearly impossible for two people to work from home at the same time. Almost all of my emp...
by TIAX
Sat May 09, 2020 9:53 am
Forum: Investing - Theory, News & General
Topic: Will "work from home" destroy the commercial real estate market?
Replies: 169
Views: 13589

Re: Will "work from home" destroy the commercial real estate market?

First, not everyone has a large house with an office. Some people live in cities in small apartments and it may be very difficult to work from home (having no separate office or maybe even room for a desk) and nearly impossible for two people to work from home at the same time. On the other hand, an...
by TIAX
Thu May 07, 2020 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Choosing not to correct all billing/financial errors
Replies: 68
Views: 4651

Re: Choosing not to correct all billing/financial errors

If you find yourself regularly having to call a company, you should bet with your feet and stop using it.
by TIAX
Thu May 07, 2020 12:06 am
Forum: Personal Investments
Topic: Replicating Vanguard Total International Stock Index Fund (VTIAX)
Replies: 19
Views: 966

Re: Replicating Vanguard Total International Stock Index Fund (VTIAX)

Just wondering why you feel you still need to have an international equity - which has not performed well these past years - And most large cap domestic companies have a large portion of their revenue from overseas... https://investor.vanguard.com/mutual-funds/profile/performance/vtiax Relatedly, m...
by TIAX
Wed May 06, 2020 9:03 am
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11442

Re: All my friends are outperforming index funds

Index funds and Buy and Hold investing tend to do their worst in a down Market. This is fairly obvious, Do you have any evidence to support that statement? Just the rational argument that, all else equal, if you spend anything less than 100% of your time in the market like a buy-and-hold investor w...
by TIAX
Wed May 06, 2020 12:08 am
Forum: Investing - Theory, News & General
Topic: All my friends are outperforming index funds
Replies: 122
Views: 11442

Re: All my friends are outperforming index funds

ValuationsMatter wrote:
Tue May 05, 2020 7:23 am

Index funds and Buy and Hold investing tend to do their worst in a down Market. This is fairly obvious,
Do you have any evidence to support that statement?
by TIAX
Mon Apr 27, 2020 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Do you expect your employer to change their stance on WFH after Coronavirus?
Replies: 99
Views: 6148

Re: Do you expect your employer to change their stance on WFH after Coronavirus?

I would guess that this depends on how long the stay at home orders last. The longer they last, the more businesses that don't really need real estate will not renew their leases. Those businesses will then be 100% work from home and that will put pressure on other businesses in the same industry to...
by TIAX
Sat Apr 25, 2020 3:29 pm
Forum: Personal Investments
Topic: Mother has only $85K to sustain her
Replies: 81
Views: 8303

Re: Mother has only $85K to sustain her

Please provide breakdown of her assets, income, and liabilities.
by TIAX
Tue Apr 14, 2020 9:55 pm
Forum: Personal Investments
Topic: Business Banking Account
Replies: 5
Views: 408

Re: Business Banking Account

If you don't need to deposit cash, check out Azlo.
by TIAX
Mon Apr 13, 2020 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: Offer Letter Terms in a Covid-19 Environment
Replies: 23
Views: 2174

Re: Offer Letter Terms in a Covid-19 Environment

Discuss the doctrines of impossibility and frustration of purpose with your attorney. Also, ask your attorney to check into whether the company has ever sued a former employee to get the bonus back.
by TIAX
Sat Apr 11, 2020 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Executive pay cut request: How to respond?
Replies: 130
Views: 13210

Re: Executive pay cut request: How to respond?

Many companies are asking executives to take pay cuts in this environment. It is likely I'll be asked to take one, so I would like to respond appropriately. My view is that a 25% pay cut is reasonable due to lower productivity when working from home. I'm happy to agree to that with the understandin...
by TIAX
Fri Apr 10, 2020 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Executive pay cut request: How to respond?
Replies: 130
Views: 13210

Re: Executive pay cut request: How to respond?

Many companies are asking executives to take pay cuts in this environment. It is likely I'll be asked to take one, so I would like to respond appropriately. My view is that a 25% pay cut is reasonable due to lower productivity when working from home. I'm happy to agree to that with the understandin...
by TIAX
Fri Apr 10, 2020 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Would you quit your job without another job now?
Replies: 34
Views: 2595

Re: Would you quit your job without another job now?

Why not just stop working crazy hours and see what happens. The worst that could happen is you don't have a job anymore, which she's okay with.
by TIAX
Sun Mar 29, 2020 9:26 pm
Forum: Investing - Theory, News & General
Topic: Index Providers Postponing Rebalance
Replies: 15
Views: 1363

Re: Index Providers Postponing Rebalance

What would there be to rebalance in a broad market index such as VTI? IPOs?
by TIAX
Wed Mar 25, 2020 1:59 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 709
Views: 63824

Re: So bottom is probably behind us....right?

No, I don't think we're at the bottom yet, it's probably an intermission between Act I (de-risking) and Act II (earnings and unemployment numbers come in). I also think the unemployment numbers are going to be surprising to many See this article estimating that 3.4 million filed for unemployment la...
by TIAX
Wed Mar 25, 2020 10:57 am
Forum: Personal Investments
Topic: FIFO vs Avg Cost vs Specific ID
Replies: 10
Views: 496

Re: FIFO vs Avg Cost vs Specific ID

Vanguard also has "Highest In, First Out" option, which I didn't know. If I were to sell the costliest bond by using Specific ID method, wouldn't that be same as "HIFO"? :confused Yes, in this case. But you likely would want “Lowest In, First Out” if in the future you were donating shares to a DAF ...
by TIAX
Mon Mar 23, 2020 1:47 pm
Forum: Personal Investments
Topic: Extension on IRA contributions
Replies: 21
Views: 1449

Re: Extension on IRA contributions

Not totally sure, since the IRS has not confirmed this yet. And when they do, there is no guarantee that a given custodian's systems would be able to assign contributions made after 4/15 to 2019. Perhaps a custodian cannot change their system by 4/15, but may do so before 7/15. Would have been nice...
by TIAX
Sun Mar 22, 2020 11:47 am
Forum: Personal Investments
Topic: Extension on IRA contributions
Replies: 21
Views: 1449

Re: Extension on IRA contributions

I expect so if nothing else addresses this issue since Sec 219(f)(3) indicates the contribution must be made by the due date for filing the return. The due date has been changed, so the contribution deadline would also change. However, there might be additional conditions stated with this due date ...
by TIAX
Sun Mar 22, 2020 12:53 am
Forum: Investing - Theory, News & General
Topic: Understanding Bond ETF Discounts
Replies: 65
Views: 4358

Re: Understanding Bond ETF Discounts

If the ETF is trading at a discount to NAV on a day when you feel like selling, and if gates and redemption fees are not in effect, then you will get more money out of the mutual fund than you would have out of the ETF. Apparently, as much as 6.67% more in Vanguard Total Bond if you happened to pic...
by TIAX
Wed Mar 18, 2020 12:03 pm
Forum: Personal Investments
Topic: 401k non discriminatory test
Replies: 3
Views: 136

Re: 401k non discriminatory test

You can also talk to your employer about making their 401(k) a safe harbor 401(k). That would make the 401(k) pass the tests and you won't get a refund.
by TIAX
Fri Mar 06, 2020 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Getting sued by a creditor...how to negotiate it?
Replies: 25
Views: 3187

Re: Getting sued by a creditor...how to negotiate it?

Start looking for an attorney and tell the court you're trying to get an attorney. You'll probably get an adjournment. Look into law school clinics or other pro bono attorneys. An attorney for what? There is no dispute that it's a valid debt. The debtor has been offered a $400 discount on an origin...
by TIAX
Thu Mar 05, 2020 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Getting sued by a creditor...how to negotiate it?
Replies: 25
Views: 3187

Re: Getting sued by a creditor...how to negotiate it?

Start looking for an attorney and tell the court you're trying to get an attorney. You'll probably get an adjournment. Look into law school clinics or other pro bono attorneys.
by TIAX
Sat Feb 15, 2020 10:55 pm
Forum: Personal Consumer Issues
Topic: Bathroom remodel -10K- Is it expensive?
Replies: 44
Views: 5397

Re: Bathroom remodel -10K- Is it expensive?

Hello all: Need your inputs on this one. Had fiberglass shower base in our master bedroom bathroom. Saw a crack and decided to replace with nice looking tiles (cost was $1200). Long story short, it started leaking after a month. Couldn't figure out the cause of leak and the contractor who did the w...
by TIAX
Sat Feb 15, 2020 12:39 am
Forum: Personal Investments
Topic: No Longer Eligible for Solo 401K. What Next?
Replies: 11
Views: 1350

Re: No Longer Eligible for Solo 401K. What Next?

Check out ABA Retirement Funds.
by TIAX
Fri Feb 07, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: Threatened with lawsuit over air travel agency for credit card chargeback
Replies: 36
Views: 3193

Re: Threatened with lawsuit over air travel agency for credit card chargeback

Please paste this 3 hour policy you're referring to. I'm guessing it doesn't say if you contact us within 3 hours and we're not helpful, you can cancel without any penalty.
by TIAX
Thu Feb 06, 2020 11:46 am
Forum: Personal Investments
Topic: 401 Contributions [how to get deposited faster]
Replies: 5
Views: 513

Re: 401 Contributions - ?

How many days does it take from the payroll?
by TIAX
Mon Feb 03, 2020 1:46 am
Forum: Non-US Investing
Topic: Should I change a poorly performing ETF
Replies: 17
Views: 1379

Re: Should I change a poorly performing ETF

One of the ETFs just isn't performing. So I am wondering if there is something wrong with it. I want to sell it but then I don't want to break one of the cardinal rules! Will you regularly plan on selling any underperforming ETF in the future? If so, why would you want to regularly sell your assets...
by TIAX
Sun Feb 02, 2020 11:23 am
Forum: Personal Consumer Issues
Topic: Worth it to replace dashboard cluster on 2008 Infiniti G35x?
Replies: 12
Views: 597

Re: Worth it to replace dashboard cluster on 2008 Infiniti G35x?

Brianmcg321 wrote:
Sun Feb 02, 2020 11:07 am
Get one from a junkyard.
This is a great suggestion. And most junkyards will take back a part if it doesn't work.
by TIAX
Thu Jan 23, 2020 12:04 pm
Forum: Non-US Investing
Topic: Any point in buying negative EUR bonds?
Replies: 26
Views: 2533

Re: Any point in buying negative EUR bonds?

Can you buy Euro hedged U. S. Bonds?
by TIAX
Sun Jan 19, 2020 11:24 am
Forum: Personal Finance (Not Investing)
Topic: When the woman pays for the man...
Replies: 26
Views: 2301

Re: When the woman pays for the man...

When she goes with him she offers to pay for his flight and hotels, while he only pays for food. Many times in local outings she ends up subsidizing the bill. He is trying to get out of debt so he’s budget is very restrictive. This could be the case for the next two years. She’s very annoyed at thi...
by TIAX
Fri Jan 03, 2020 10:29 am
Forum: Investing - Theory, News & General
Topic: 2020 IRS Limits Announced for 401(k)'s etc.
Replies: 28
Views: 5040

Re: 2020 IRS Limits Announced for 401(k)'s etc.

A reminder that the maximum 401(k) contribution went up in 2020 to $19,500 for people setting up their 2020 401(k) contributions.
by TIAX
Tue Dec 24, 2019 8:34 pm
Forum: Personal Investments
Topic: New York 529 - 2019 Student Loan Payment
Replies: 3
Views: 477

Re: New York 529 - 2019 Student Loan Payment

The decoupling of NY's definition of "Qualified Withdrawal" was done by NYSDTF Technical Memorandum TSB-M-18(6)I in December 2018. I don't know exactly how NYSDTF did this within the confines of the NYS statute (the technical memorandum has no citations), but I recall reading an analysis of the Ala...