Search found 1210 matches

by TIAX
Sat Jan 05, 2019 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: HY Muni fund in taxable?
Replies: 11
Views: 823

Re: HY Muni fund in taxable?

dratkinson wrote:
Sat Jan 05, 2019 6:27 pm
While the right hand giveth (muni tax benefit), the left hand taketh (AMT exposure).
Consider that the TCJA makes the AMT more favorable.
by TIAX
Sat Jan 05, 2019 11:03 am
Forum: Investing - Help with Personal Investments
Topic: HY Muni fund in taxable?
Replies: 11
Views: 823

Re: HY Muni fund in taxable?

In theory, it's not a terrible idea, as long as it's not your core bond holding. (I don't subscribe to "take your risk on the equity side", rather I like to have a little more risk parity between my asset classes.) In practice though, the yield premium is quite unimpressive right now. Vanguard's HY...
by TIAX
Fri Jan 04, 2019 1:52 pm
Forum: Investing - Theory, News & General
Topic: Total International
Replies: 14
Views: 1661

Re: Total International

I understand the basics of TLH, was wondering more about the fund/people’s outlook in general regarding Int’l outlook Not panicking, I’ve been buying/lowering my cost basis over the last year - just doesn’t seem to be paying off at the moment haha (Is there an ideal fund to TLH into from Int’l shou...
by TIAX
Wed Jan 02, 2019 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Returns Extremely Disappointed
Replies: 44
Views: 5051

Re: Vanguard Returns Extremely Disappointed

OldSport wrote:
Wed Jan 02, 2019 4:23 pm
- Had actively managed Selected Value which underperformed its index terribly. I swtiched to mid cap index.
So you sell low and you wonder why you have mediocre returns? You can't change your AA every time a part of it isn't performing well.
by TIAX
Wed Jan 02, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Ticket for speeding
Replies: 66
Views: 5366

Re: Ticket for speeding

I'm pretty frugal, but I've never fought a ticket where I knew I was at fault. You can't preach personal responsibility then try to weasel out of paying a fine you deserve. I bet you wouldn't say that if something more serious was on the line and not a $200 ticket. Let's say you drive your car negl...
by TIAX
Wed Jan 02, 2019 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: $6000 ROTH IRA - Invest Now or wait?
Replies: 5
Views: 789

Re: $6000 ROTH IRA - Invest Now or wait?

If you wait and the market goes up, at what point would you invest?
by TIAX
Wed Jan 02, 2019 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Funds - Trading fees
Replies: 6
Views: 363

Re: Vanguard Funds - Trading fees

Hi to you all. Where I live in Israel, I'm able, together with my employer, to deposit a maximum of 10% of my monthly salary in a tax-free fund. I'm currently buying VWRD (FTSE All-World UCITS ETF) only, which mirrors part of my personal portfolio. The problem is that I'm obliged to use a broker th...
by TIAX
Tue Jan 01, 2019 10:08 pm
Forum: Investing - Theory, News & General
Topic: Who has the highest allocation to international stocks?
Replies: 65
Views: 5804

Re: Who has the highest allocation to international stocks?

Until recently we were 60/40 US/Int for our stock portion, but decided to set our target as 55/45 to represent cap weight because we were so close anyways, so why not? Ideally we'll exchange for the convenience of 100% VTWSX if Vanguard makes admiral shares, but until then we'll shoot for world cap...
by TIAX
Tue Jan 01, 2019 6:29 pm
Forum: Investing - Theory, News & General
Topic: 2019 Hedge Fund Contest
Replies: 147
Views: 6944

Re: 2019 Hedge Fund Contest

Slightly Better Than Artemis Investment Management LLP

Long:
PKI

Short:
TSLA
by TIAX
Tue Jan 01, 2019 12:19 am
Forum: Investing - Theory, News & General
Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Replies: 159
Views: 7751

Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?

We are in the process of updating year-end retirement calculations. During this time, you will not be able to contribute to new or existing retirement accounts online, but you can perform any other functions on our site. Please return to our site at a later time to complete your transaction. We apo...
by TIAX
Mon Dec 31, 2018 6:06 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 70
Views: 9191

Re: Tax Reform - Revised Kiddie Tax

Thanks David! Is there a wash sale if you sell in a child's UTMA (realizing a loss) and buy the same fund in a parent's account within 30 days?
by TIAX
Mon Dec 31, 2018 5:33 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEAD CONTEST LEADERS
Replies: 15
Views: 1764

Re: 2018 BOGLEHEAD CONTEST LEADERS

tadamsmar wrote:
Mon Dec 31, 2018 3:24 pm
Chuckh and TIAX are trading the lead
The HFTs may have manipulated the market today. Please let me know if there's an appeal.
by TIAX
Sat Dec 29, 2018 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 39357

Re: TurboTax Prices

From another perspective, there is no expectation of privacy in the workplace. To make a long story short, all information on your work computer belongs to your employer - including your tax return files. Additionally, there may be disciplinary action for excessive personal use (as they define it, ...
by TIAX
Sat Dec 29, 2018 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

hudson: I know I can open a Vanguard account, but I recently consolidated almost everything into Fidelity and prefer to have all my accounts in one place. I took a cue from your posts and have been doing some additional research into national funds and have identified some good ones. None with an E...
by TIAX
Sat Dec 29, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: Algos/HFT and the media hurt the retail investor ?
Replies: 78
Views: 2127

Re: Algos/HFT and the media hurt the retail investor ?

I'm not going to dispute my limited understanding of market structures. I would only say that I suspect the vast majority of retirement investors are more like me than many of the "old hands" here. The choices seem to be: 1. Invest for the long-term, be content to check AA once a year and don't que...
by TIAX
Sat Dec 29, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Algos/HFT and the media hurt the retail investor ?
Replies: 78
Views: 2127

Re: Algos/HFT and the media hurt the retail investor ?

Indianrock wrote:
Sat Dec 29, 2018 4:52 pm
We're getting off topic now. I believe in reasonable regulation of business and vote accordingly -- that's as far as I'm taking that concept.
Right, it's completely "reasonable" to undo decades of innovations in finance.
by TIAX
Sat Dec 29, 2018 5:14 pm
Forum: Investing - Theory, News & General
Topic: Algos/HFT and the media hurt the retail investor ?
Replies: 78
Views: 2127

Re: Algos/HFT and the media hurt the retail investor ?

I'm curious if big organization like Vanguard exercise any influence to level the playing field and get the exchanges operating to the advantage of regular long-term ( retirement ) investors? It's true that you can minimize the influence of algorithmic/high-frequency trading etc by staying in reaso...
by TIAX
Sat Dec 29, 2018 4:32 pm
Forum: Investing - Theory, News & General
Topic: Algos/HFT and the media hurt the retail investor ?
Replies: 78
Views: 2127

Re: Algos/HFT and the media hurt the retail investor ?

I'm curious if big organization like Vanguard exercise any influence to level the playing field and get the exchanges operating to the advantage of regular long-term ( retirement ) investors? It's true that you can minimize the influence of algorithmic/high-frequency trading etc by staying in reaso...
by TIAX
Sat Dec 29, 2018 11:45 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard personal advisor service (PAS) for high net worth?
Replies: 70
Views: 6446

Re: Vanguard personal advisor service (PAS) for high net worth?

WillRetire wrote:
Sat Dec 29, 2018 11:15 am
2) Conversation was friendly but rambling. He kept referring to "the process". My impression: He is very green and is trusted to do nothing but plug numbers into a back-end proprietary tool.
Why use an adviser when you're clearly more knowledgeable than he is?
by TIAX
Sat Dec 29, 2018 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard personal advisor service (PAS) for high net worth?
Replies: 70
Views: 6446

Re: Vanguard personal advisor service (PAS) for high net worth?

We used their service and left over an issue that was important to us (specific identification of mutual funds in our account since PAS was only using average cost). Without using specific ID, I don't know how they can do effective or any tax loss harvesting (unless the entire position is underwate...
by TIAX
Sat Dec 29, 2018 12:29 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard personal advisor service (PAS) for high net worth?
Replies: 70
Views: 6446

Re: Vanguard personal advisor service (PAS) for high net worth?

We used their service and left over an issue that was important to us (specific identification of mutual funds in our account since PAS was only using average cost). Without using specific ID, I don't know how they can do effective or any tax loss harvesting (unless the entire position is underwate...
by TIAX
Fri Dec 28, 2018 11:43 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 70
Views: 9191

Re: Tax Reform - Revised Kiddie Tax

If there is an unrealized loss in a child's UTMA account, is there a reason to TLH (assuming no gains in child's account for now and you hope to gift shares and tax gain harvest in future years)? Only if the unrealized loss won't offset other untaxed income. If the child has $1000 in dividends or s...
by TIAX
Fri Dec 28, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: 2018 BOGLEHEAD CONTEST LEADERS
Replies: 15
Views: 1764

Re: 2018 BOGLEHEAD CONTEST LEADERS

I'm #4 and predicting I'll win. Good luck!
by TIAX
Fri Dec 28, 2018 7:06 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 70
Views: 9191

Re: Tax Reform - Revised Kiddie Tax

If there is an unrealized loss in a child's UTMA account, is there a reason to TLH (assuming no gains in child's account for now and you hope to gift shares and tax gain harvest in future years)?
by TIAX
Fri Dec 28, 2018 5:36 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE (Dec 28) Friday, 2:00 PM Eastern (19:00 UTC) - software upgrade
Replies: 31
Views: 2027

Re: SITE OFFLINE (Dec 28) Friday, 2:00 PM Eastern (19:00 UTC) - software upgrade

I just spoke with mingstar (site owner), who was on this right away. The server is fine. There was a problem getting to the server. Technically, the DNS lookup was failing out on the internet somewhere. It was working for some, but not others. It's outside anything we can do. We're still on for a 2...
by TIAX
Fri Dec 28, 2018 3:24 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE (Dec 28) Friday, 2:00 PM Eastern (19:00 UTC) - software upgrade
Replies: 31
Views: 2027

Re: SITE OFFLINE (Dec 28) Friday, 2:00 PM Eastern (19:00 UTC) - software upgrade

I just spoke with mingstar (site owner), who was on this right away. The server is fine. There was a problem getting to the server. Technically, the DNS lookup was failing out on the internet somewhere. It was working for some, but not others. It's outside anything we can do. We're still on for a 2...
by TIAX
Fri Dec 28, 2018 1:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard personal advisor service (PAS) for high net worth?
Replies: 70
Views: 6446

Re: Vanguard personal advisor service (PAS) for high net worth?

I had a phone meet and great with one of their young financial advisors. I have a couple concerns: He seemed to be inclined to have a strictly Vanguard mutual funds and ETF's approach rather than individual stocks and bonds. You want advice from a mutual fund company on what individual stocks to bu...
by TIAX
Thu Dec 27, 2018 10:17 pm
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

However, what are your thoughts on buying a basket of individual high grade AL muni bonds, assuming I want to buy about 100k worth? This seems to be the best of both worlds. It minimizes transaction costs, plus I avoid state and federal tax. Fidelity charges $1 per bond. Assuming a portfolio of all...
by TIAX
Thu Dec 27, 2018 12:36 am
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

I'm as confused as the OP with the muni market. I'm looking to invest in an individual state muni fund with an expense ratio of .8. Is that too high? I plan on holding for 4-7 years.Unfortunately my state doesn't have a lot of muni funds and that is the one that is best and has the lowest ER. The o...
by TIAX
Wed Dec 26, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 39357

Re: TurboTax Prices

Also, happen to know if either of these handle form 1116 correctly. I remember in the past it didn't seem to do it correctly or the questions it asked to fill in form 1116 were much more confusing than the form itself. (I just work in usa and own some foreign index funds - nothing fancy). It handle...
by TIAX
Tue Dec 25, 2018 12:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard California Muni Bond safety in downturns?
Replies: 19
Views: 1429

Re: Vanguard California Muni Bond safety in downturns?

What's the difference in taxable-equivalent yield between the CA muni fund and the national intermediate fund? I would guess it's less than .1 and would use the national fund. Tax equivalent yield varies under market conditions. If OP is in the California 9.3% marginal tax rate or higher, and plans...
by TIAX
Tue Dec 25, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard California Muni Bond safety in downturns?
Replies: 19
Views: 1429

Re: Vanguard California Muni Bond safety in downturns?

What's the difference in taxable-equivalent yield between the CA muni fund and the national intermediate fund? I would guess it's less than .1 and would use the national fund.
by TIAX
Tue Dec 25, 2018 11:54 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 21044

Re: Whose buying today? where's all the "dry powder" folks at? :)

I just did....will hit at market close. Money won't be needed for 20+ years, so, why not. Any insight or tips? Do many try to 'wait' for bottom? or buy on the way back up? (whenever that may be) Not market timing, just buying on sale. :moneybag My dry powder is remaining dry. No plans to sell stock...
by TIAX
Mon Dec 24, 2018 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: muni bonds
Replies: 31
Views: 3264

Re: muni bonds

a LLC wants to buy muni bonds to generate tax free money with extra cash sitting at a brokerage house. The money is in some short term T-bills now, but it was decided that it would be less complicated among the LLC members to go with muni's than pay the fed tax in each members returns. The guy at t...
by TIAX
Mon Dec 24, 2018 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Sold a rental property for an "ordinary loss of $70,719" in 2018 - how will this affect taxes?
Replies: 23
Views: 2029

Re: Sold a rental property for an "ordinary loss of $70,719" in 2018 - how will this affect taxes?

I sold a rental property in 2018 for an ordinary loss of $70,719 . I'm trying to figure out how this loss will be applied to my 2018 taxes. Will 100% of the $70,719 be deducted from my 2018 total income or is there a limit similar to the $3000 max for realized losses in a Vanguard taxable account? ...
by TIAX
Sun Dec 23, 2018 10:20 pm
Forum: Investing - Theory, News & General
Topic: I can't believe I am thinking this [Panic and Survival 2008-09]
Replies: 290
Views: 138753

Re: I can't believe I am thinking this [Panic and Survival 2008-09]

https://farm2.staticflickr.com/1852/29562781417_6390f05cd0_c.jpg . . . 2. I'm feeling comfortable holding 3 years spending in Cash to be used for spending during down markets. The longest bear market was 2.8 years. And what is the cost of keeping 3 years of cash (as opposed to having it in the mark...
by TIAX
Thu Dec 20, 2018 5:17 pm
Forum: Investing - Theory, News & General
Topic: Artemis Attack on the Bogleheads
Replies: 80
Views: 9187

Re: Artemis Attack on the Bogleheads

Rick Ferri wrote:
Wed Dec 19, 2018 5:32 pm
He exaggerates and overgeneralizes everything, and sounds like he is whining about why hedge fund managers like himself are underperforming:
Rick, perhaps you should invite him to a debate on your podcast?
by TIAX
Thu Dec 20, 2018 11:10 am
Forum: Investing - Theory, News & General
Topic: Artemis Attack on the Bogleheads
Replies: 80
Views: 9187

Re: Artemis Attack on the Bogleheads

kolea wrote:
Wed Dec 19, 2018 11:56 pm
I just say, "to each his own". I have friends who are stock-pickers, market timers, 100/0 dividend-income adherents, and I don't try to argue with any of them. They are happy and I am happy being passive. There are many roads to Rome. All is good.
Except they won't get to Rome.
by TIAX
Wed Dec 19, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: I feel cheated, saved too much in 401K vs cash.
Replies: 74
Views: 10070

Re: I feel cheated, saved too much in 401K vs cash.

Sure, I guess something like that could be true. But, if I took that 70% of what I currently have in my 401K, paid cash for real estate, I would still be getting 6-7.5% return on 100% of the original money, year after year, nearly guaranteed, with a cash surplus after buying the homes. First, you c...
by TIAX
Wed Dec 12, 2018 12:04 am
Forum: Investing - Help with Personal Investments
Topic: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?
Replies: 26
Views: 2501

Re: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?

You could take it a step further and invest it in the taxable account now at the same asset allocation you will use in January once it's moved into the IRA. For example, if 2019's IRA contribution will go to 50/50 Total US Stock and Total Int'l Stock, you could put $3,000 each into VTSAX and VTIAX ...
by TIAX
Sat Dec 08, 2018 7:12 am
Forum: Investing - Help with Personal Investments
Topic: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?
Replies: 26
Views: 2501

Re: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?

You could take it a step further and invest it in the taxable account now at the same asset allocation you will use in January once it's moved into the IRA. For example, if 2019's IRA contribution will go to 50/50 Total US Stock and Total Int'l Stock, you could put $3,000 each into VTSAX and VTIAX ...
by TIAX
Thu Dec 06, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: Vanguard investor class shares on their way out?
Replies: 88
Views: 8539

Re: Vanguard investor class shares on their way out?

My next prediction is a revamping and re-release of the VanguardAdvantage account for the commoner. It's unavailable to most at Vanguard, grossly uncompetitive with Schwab and Fidelity at the Voyager Select level and even lacking for Flagship customers (doesn't reimburse ATM fees). And unlike your ...
by TIAX
Fri Nov 30, 2018 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Ally CC Offer
Replies: 35
Views: 3526

Re: Ally CC Offer

Unfortunately for Ally, there is no reason to get their card considering citi double cash and fidelity cards. They should consider 2.5% cash back on everything if paid into an Ally bank account.
by TIAX
Wed Nov 28, 2018 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Quit Bothering with Backdoor Roth and/or IRA?
Replies: 20
Views: 2581

Re: Should I Quit Bothering with Backdoor Roth and/or IRA?

1) If I were to open a Solo 401k with a relatively trivial $$ amount, can I then transfer a $700k IRA into it? Yes, assuming your custodian accepts incoming IRA rollovers (which many do ). However, note that solo 401ks that have 250k or more in assets must be reported on form 5500-SF, which anyone ...
by TIAX
Tue Nov 27, 2018 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Quit Bothering with Backdoor Roth and/or IRA?
Replies: 20
Views: 2581

Re: Should I Quit Bothering with Backdoor Roth and/or IRA?

1) If I were to open a Solo 401k with a relatively trivial $$ amount, can I then transfer a $700k IRA into it? Yes, assuming your custodian accepts incoming IRA rollovers (which many do ). However, note that solo 401ks that have 250k or more in assets must be reported on form 5500-SF, which anyone ...
by TIAX
Tue Nov 27, 2018 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7473

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

TheAccountant wrote:
Tue Nov 27, 2018 7:29 pm
Or you can hire a lawyer yourself and then counter sue for legal fees and lost wages.
The general rule is that each side pays their own attorneys' fees so I wouldn't count on that.
by TIAX
Mon Nov 26, 2018 9:07 pm
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7473

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

I was involved in a car accident 2 years ago in NY. I was at-fault. My insurance settled with the other party. I assumed everything was settled and done with. Then, I get notified today that I am being sued by the other party in the accident. Is this legal? The statute of limitations for negligence...
by TIAX
Sat Nov 24, 2018 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Black Swan Event for Health Insurance between Jobs: COBRA vs Obamacare Exchange?
Replies: 35
Views: 1754

Re: Black Swan Event for Health Insurance between Jobs: COBRA vs Obamacare Exchange?

Nestegg_User wrote:
Sat Nov 24, 2018 12:59 pm
...just stop into HR before you leave, have them pull out the COBRA paperwork, sign it and arrange payment...
Most companies use a third party administrator for this.
by TIAX
Sat Nov 24, 2018 11:16 am
Forum: Personal Finance (Not Investing)
Topic: Black Swan Event for Health Insurance between Jobs: COBRA vs Obamacare Exchange?
Replies: 35
Views: 1754

Re: Black Swan Event for Health Insurance between Jobs: COBRA vs Obamacare Exchange?

Only here to say that if you can imagine it happening and prepare for it, it’s not a black swan. Give someone a limited power of attorney, and make them aware of the COBRA issue. Sign the COBRA forms and leave them with a relative/friend in case of such event. I live alone, I don't have that "someo...