Search found 1039 matches

by TIAX
Fri Jul 13, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to verify if seller is legally collecting sales tax (CA)
Replies: 7
Views: 896

Re: How to verify if seller is legally collecting sales tax (CA)

Doctor Rhythm wrote:
Fri Jul 13, 2018 6:50 pm
I just look at the bottom line. I don't care if part of the total is for bogus fees, taxes, surcharges that the seller has no intention of passing on.
Either you're ok with the price or you're not. Why are you wasting your time investigating some random internet seller?
by TIAX
Fri Jul 13, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 341
Views: 9959

Re: COMING SOON: BOGLEHEADS PODCASTS

Great news, thanks Rick and Mel! I don't have a suggestion for the name but would like to note that it's important that podcasts be frequent and regular (for example, once a week or every weekday). Podcasts that have only sporadic episodes tend not to have many listeners.
by TIAX
Fri Jul 13, 2018 10:10 am
Forum: Investing - Theory, News & General
Topic: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]
Replies: 552
Views: 64625

Re: Fellow TDA bogleheads [TDA dropping Vanguard ETFs from commission-free list]

Online message I sent to TDA: Thank you for your response. While I realize you have ~300 ETFs on your commission-free list, as you know, in 2017, you replaced broad, low expense ratio, liquid ETFs (e.g., VTI, VEA, etc.) with illiquid ETFs such as SPTM, SPDW and SPEM. The reason for this wasn't to be...
by TIAX
Thu Jul 12, 2018 9:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 120
Views: 8979

Re: Vanguard to offer non-Vanguard ETFs commission-free

We should send online messages to/chat with all of our other brokerages with a link to the Vanguard commission-free announcement asking whether they'll match Vanguard or otherwise make their commission-free ETF options better. I'm hoping at the very least TD Ameritrade will bring back good ETFs due ...
by TIAX
Wed Jul 11, 2018 11:52 pm
Forum: Personal Finance (Not Investing)
Topic: Potential Personal Judgement-Florida
Replies: 6
Views: 1181

Re: Potential Personal Judgement-Florida

drawpoker wrote:
Wed Jul 11, 2018 6:02 pm
Aren't you represented by a Florida attorney in this legal tangle?
Wouldn't he be best able to advise you on strategy if you need to shuffle around, or re-title, some assets?
Doesn't sound like it. What's the amount in controversy?
by TIAX
Fri Jul 06, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: Can I rollover from an old 401k to another old 401k?
Replies: 4
Views: 315

Re: Can I rollover from an old 401k to another old 401k?

You'll want to review the Summary Plan Descriptions (SPD) from the plan you'd like to transfer to and see if they have restrictions on rolling assets in. The SPD is sometimes available on the 401(k) website but, if not, you'll need to ask HR for it.
by TIAX
Tue Jul 03, 2018 3:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard to offer non-Vanguard ETFs commission-free
Replies: 120
Views: 8979

Re: Vanguard to offer non-Vanguard ETFs commission-free

Hopefully the influx of new clients will encourage Vanguard to fix their cost basis and other IT issues.
by TIAX
Mon Jul 02, 2018 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 54
Views: 6623

Re: Umbrella Policy: Right amount for $7 mil net worth?

\Also remember one of the biggest, most ridiculous things in our legal system is it is "free" to sue someone. Plaintiff's lawyers don't get paid unless you win typically so anybody can sue you any time over any thing and some sleazy lawyer will take that case just to see if you will settle vs pay y...
by TIAX
Sat Jun 30, 2018 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 54
Views: 6623

Re: Umbrella Policy: Right amount for $7 mil net worth?

"Foreseeability is a legal construct that is used to determine proximate cause—and thus a person’s liability—for an act of negligence that resulted in injury. The foreseeability test basically asks whether a person of ordinary intelligence should have reasonably foreseen the general consequences th...
by TIAX
Sat Jun 30, 2018 12:41 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 52
Views: 7069

Re: Emerging Markets in Bear Territory

I sold all my emerging last year after holding them for 20+ years. In the last couple years I travelled to a lot of them and experienced first hand corruption, lack of transparency and lack of rules thats conducive to investing. And do you think the market is unaware there's more corruption in emer...
by TIAX
Sat Jun 30, 2018 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 54
Views: 6623

Re: Umbrella Policy: Right amount for $7 mil net worth?

boglerdude wrote:
Fri Jun 29, 2018 11:50 pm
I meant that if a Boglehead runs a red, there's a reason. Some sort of distraction etc. No foreseeable negligence.
And why do you think a distraction would prevent a finding of negligence?
by TIAX
Thu Jun 28, 2018 5:38 pm
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 54
Views: 6623

Re: Umbrella Policy: Right amount for $7 mil net worth?

\Also remember one of the biggest, most ridiculous things in our legal system is it is "free" to sue someone. Plaintiff's lawyers don't get paid unless you win typically so anybody can sue you any time over any thing and some sleazy lawyer will take that case just to see if you will settle vs pay y...
by TIAX
Thu Jun 28, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Umbrella Policy: Right amount for $7 mil net worth?
Replies: 54
Views: 6623

Re: Umbrella Policy: Right amount for $7 mil net worth?

Top lawyers bill $1,500 an hour (as of 2016, so maybe even higher now). So $1 million pays for a 3-month case. While I agree that the vast majority of cases probably get resolved faster than that, it seems like the long tail of cases would go well beyond that. Your insurance company will not be hir...
by TIAX
Wed Jun 27, 2018 2:53 pm
Forum: Investing - Theory, News & General
Topic: Emerging Markets in Bear Territory
Replies: 52
Views: 7069

Re: Emerging Markets in Bear Territory

Housedoc wrote:
Wed Jun 27, 2018 2:37 pm
I moved out of EM in May, 80% Vang total, 20% international now.
I was that way for years and did well. My mindset is be happy and don't chase the world I know little about.
Selling low sounds like chasing returns to me.
by TIAX
Tue Jun 26, 2018 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16319

Re: IRS publishes draft 2018 1040 - Huge changes made

We should all wait until April to file for the developers to work out the bugs.
by TIAX
Tue Jun 26, 2018 8:57 am
Forum: Investing - Help with Personal Investments
Topic: [100% stock, uncomfortable with international]
Replies: 65
Views: 5566

Re: [100% stock, uncomfortable with international]

triceratop wrote:
Thu Jun 21, 2018 5:55 pm
The currency risk is incidental (and bad!). What you get instead is more diversification.
If it's bad, how much would you pay to eliminate that risk? Have you considered a dollar hedged ETF like HEFA[/url or [url=https://dws.com/US/EN/Product-Detail-Pa ... erformance]DBEF]?
by TIAX
Sat Jun 23, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Why won't Vanguard drop VTI & VOO expense to 0.03?
Replies: 39
Views: 3603

Re: Why won't Vanguard drop VTI & VOO expense to 0.03?

denovo wrote:
Sat Jun 23, 2018 4:15 am
VTI's expensive ratio is .04 percent. So we are talking about 1 basis point.
I would never buy a fund with an expensive ratio.
by TIAX
Tue Jun 19, 2018 3:50 pm
Forum: Investing - Help with Personal Investments
Topic: Sanity check my 529 decision? High earners.
Replies: 3
Views: 706

Re: Sanity check my 529 decision? High earners.

BuckyBadger wrote:
Tue Jun 19, 2018 10:20 am
5a) If private school, continue to max out gift limit each year and depending on market conditions use the $10k per year toward school
Make sure your state doesn't have issues with 529s used for private school. See viewtopic.php?t=242712
by TIAX
Sun Jun 17, 2018 10:54 pm
Forum: Investing - Help with Personal Investments
Topic: Young and rich
Replies: 33
Views: 5319

Re: Young and rich

It would be helpful if you could provide us more information including your current incomes, city and state of residence, tax rates, plans for kids, etc.
by TIAX
Sun Jun 17, 2018 12:54 am
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 29
Views: 2655

Re: When is the June ex-dividend date for VTSAX

What is the money you're planning to invest in VTSAX invested in now? If cash, have you weighed the value you'd gain from being in the market longer against avoiding the dividend?
by TIAX
Tue Jun 05, 2018 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Compare Health Ins. Plans? NYSHIP vs. Oxford Freedom EPO
Replies: 2
Views: 233

Re: Compare Health Ins. Plans? NYSHIP vs. Oxford Freedom EPO

What's your out of pocket max with Oxford?
by TIAX
Sun Jun 03, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: How to Use My Verizon Phone Internationally
Replies: 6
Views: 500

Re: How to Use My Verizon Phone Internationally

Make sure your phone is unlocked and get a sim at the airport for $20 or so.
by TIAX
Tue May 29, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 7049

Re: get sued for posting nagative online review?

Make sure your reviews are anonymous just in case. You are not truly anonymous. A subpoena will reveal your identity. I would sue the review company if I got sued. Sue Yelp? That will not work, especially because Yelp did you no harm by allowing you to speak for yourself. I am not so sure in a civi...
by TIAX
Fri May 25, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 48
Views: 5818

Re: Tax Reform - Revised Kiddie Tax

Can two unmarried parents open UTMA accounts for one child? Would they both need to file form 8615? (even though they would need to decide which parent can claim the child as a dependent). The instructions for form 8615 state: If the parents were unmarried but lived together during the year with th...
by TIAX
Fri May 25, 2018 1:38 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform - Revised Kiddie Tax
Replies: 48
Views: 5818

Re: Tax Reform - Revised Kiddie Tax

Can two unmarried parents open UTMA accounts for one child? Would they both need to file form 8615? (even though they would need to decide which parent can claim the child as a dependent). The instructions for form 8615 state: If the parents were unmarried but lived together during the year with the...
by TIAX
Wed May 23, 2018 9:43 pm
Forum: Investing - Help with Personal Investments
Topic: Should I hire a financial adviser?
Replies: 13
Views: 1439

Re: Should I hire a financial adviser?

remsho wrote:
Wed May 23, 2018 5:49 pm
I am in no way savvy about the ins and outs of investing.
If you've been reading this site for six months, there is no need for a financial adviser. Invest everything in a three fund portfolio and get adequate insurance (at least the amount of your assets).
by TIAX
Mon Apr 30, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Concerns with Index funds (VTSAX, VOO, QQQ, etc.)
Replies: 30
Views: 3481

Re: Concerns with Index funds (VTSAX, VOO, QQQ, etc.)

So, my number 1 reason for liking QQQ is its performance over the past 15 years. Every year the top performing ETF over the last 15 year changes. Why not switch to the top performing ETF every year? Because I can't know what the top performer will be ahead of time. OTOH that doesn't mean there isn'...
by TIAX
Mon Apr 30, 2018 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Unregistered 401k Options vs. Index Funds
Replies: 9
Views: 692

Re: Unregistered 401k Options vs. Index Funds

Looks good, but I suggest less Russell 2500, thusly: 40%, S&P 500 index fund, ER 0.01% 10%, Russell 2500 index fund, ER 0.03% 20%, MSCI EAFE index fund, ER 0.04% 30%, Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX), ER 0.03% The 4:1 ratio of S&P 500 to Russell 2500 should mimic the con...
by TIAX
Mon Apr 30, 2018 8:20 am
Forum: Investing - Help with Personal Investments
Topic: Concerns with Index funds (VTSAX, VOO, QQQ, etc.)
Replies: 30
Views: 3481

Re: Concerns with Index funds (VTSAX, VOO, QQQ, etc.)

I'm not offered benefits from my company from some reason even though I am employed by them full time making great money. Who knows what's going on with that, but what they're doing is shady and I don't think its allowed. Before you assume things like that, perhaps research whether employers have a...
by TIAX
Mon Apr 30, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Concerns with Index funds (VTSAX, VOO, QQQ, etc.)
Replies: 30
Views: 3481

Re: Concerns with Index funds (VTSAX, VOO, QQQ, etc.)

CurlyDave wrote:
Sun Apr 29, 2018 11:04 pm
So, my number 1 reason for liking QQQ is its performance over the past 15 years.
Every year the top performing ETF over the last 15 year changes. Why not switch to the top performing ETF every year?
by TIAX
Mon Apr 30, 2018 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Can Employer Set 401k Contribution Limit Below IRS Limit?
Replies: 33
Views: 2589

Re: Can Employer Set 401k Contribution Limit Below IRS Limit?

Thanks for correcting me on this. For my own education (no longer currently with the employer that had this issue), what does is take to be a safe harbor plan? I was seriously disappointed with my previous employer on this issue and was one reason I took a new job elsewhere. At my previous employer...
by TIAX
Mon Apr 30, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Taxes, Solo 401k, and advice
Replies: 6
Views: 398

Re: Taxes, Solo 401k, and advice

About the solo 401k, I want to use a company that allows Roth 401k and Aftertax 401k (I know who I'm going to use) since I already have a 401k thru a W2 employer and a Roth IRA. if you already fill up EmployEE part of 401k at your full time job, why do you need Roth 401k provider for your Solo 401k...
by TIAX
Sun Apr 29, 2018 12:42 am
Forum: Investing - Help with Personal Investments
Topic: Can Employer Set 401k Contribution Limit Below IRS Limit?
Replies: 33
Views: 2589

Re: Can Employer Set 401k Contribution Limit Below IRS Limit?

Darth Xanadu wrote:
Sat Apr 28, 2018 11:41 pm
Bacchus01 wrote:
Sat Apr 28, 2018 10:39 pm
sf2sv wrote:
Sat Apr 28, 2018 10:32 pm
What would be the benefit to a company for imposing such limits?
Lower administrative costs
In what way would this lower administrative costs?
The company may be paying fees based on assets.
by TIAX
Sat Apr 28, 2018 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Unregistered 401k Options vs. Index Funds
Replies: 9
Views: 692

Re: Unregistered 401k Options vs. Index Funds

sdub1209 wrote:
Sat Apr 28, 2018 12:51 pm
I also have a self direct brokerage option which would allow me many more options, this comes with a a $9.99 per transaction fee if I chose to go that route.
Are you sure your brokerage window has no commission-free ETFs? If not, use the index funds.
by TIAX
Sat Apr 28, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 14279

Re: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]

If there is no change in inflation (or not enough of a change), will the max go back down to $6850 in 2019?
by TIAX
Fri Apr 27, 2018 10:18 pm
Forum: Investing - Help with Personal Investments
Topic: Concerns with Index funds (VTSAX, VOO, QQQ, etc.)
Replies: 30
Views: 3481

Re: Concerns with Index funds (VTSAX, VOO, QQQ, etc.)

First off before we start. My company doesn't match and I make well over the ROTH IRA limit. I'm currently not contributing to a 401(k), however, I save roughly 40K per year after tax in which I put straight into the market under a personal account with Charles Schwab. Do you mean you have access t...
by TIAX
Fri Apr 27, 2018 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Ameriprise :(
Replies: 64
Views: 9406

Re: Ameriprise :(

Help me understand one thing - many of you suggest to go to Vanguard for example. I have it now, but those low funds are not gaining as much. In some cases 1 year best options at Vanguard has say 12% return for 0.07% fee vs 17% in sps option with .5% fund fee and 1% ameriprise fee. So whats the log...
by TIAX
Fri Apr 27, 2018 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: Does a 5 basis points difference matter when deciding between 500 Index and TSM?
Replies: 36
Views: 2301

Re: Does a 5 basis points difference matter when deciding between 500 Index and TSM?

Sorry, just saw this reply. I've considered adding an extended market fund in the past, but I've resisted due to the (perceived) extra effort it would require when it comes to rebalancing... I certainly appreciate the importance of simplicity. But the extended market fund was made exactly for these...
by TIAX
Fri Apr 27, 2018 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Does a 5 basis points difference matter when deciding between 500 Index and TSM?
Replies: 36
Views: 2301

Re: Does a 5 basis points difference matter when deciding between 500 Index and TSM?

I really like this idea. As of right now, we max the one 401k, plus a SEP (which comes out to ~11k per year), plus a backdoor Roth. Do you leave your contributions in the SEP IRA? Are you aware aware of the pro rata rule for backdoor Roths? You should set up a solo 401(k) and use that instead of th...
by TIAX
Fri Apr 27, 2018 8:03 am
Forum: Investing - Help with Personal Investments
Topic: Does a 5 basis points difference matter when deciding between 500 Index and TSM?
Replies: 36
Views: 2301

Re: Does a 5 basis points difference matter when deciding between 500 Index and TSM?

I think I'd stick with the cheaper 500 Index and settle for highway robbery without the extra side of insult. If my other money outside of this 401k that could be used for a completion index such as Vanguard extended market I would definitely use the 500 Index. I'd also check that the 500 Index was...
by TIAX
Thu Apr 26, 2018 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Opinions on SPTM ETF in taxable for US stock index fund
Replies: 33
Views: 1890

Re: Opinions on SPTM ETF in taxable for US stock index fund

livesoft wrote:
Tue Apr 24, 2018 3:12 pm
Note: While I always consider a limit order for SPTM and other ETFs, I don't always use a limit order and often use a market order.
What criteria do you use to decide whether to use a limit order or a market order?
by TIAX
Wed Apr 25, 2018 9:17 am
Forum: Investing - Help with Personal Investments
Topic: New 34, Bogle convert wanting to make sure I don’t screw up 401k
Replies: 13
Views: 1180

Re: New 34, Bogle convert wanting to make sure I don’t screw up 401k

I would choose either a Vanguard target retirement fund OR a three-fund portfolio using a combination of: iShares U.S. Aggregate Bond Index K iShares Total U.S. Stock Market Index Vanguard Total Intl Stock Index Admiral If you go the route of the three-fund portfolio you will need to figure out your...
by TIAX
Tue Apr 24, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on SPTM ETF in taxable for US stock index fund
Replies: 33
Views: 1890

Re: Opinions on SPTM ETF in taxable for US stock index fund

OK, now I’m seeing a penny spread on SPTM. That’s 3bp. Therefore $34,750 is the point at which it becomes cheaper to pay a $6.95 commission. Not as bad as I thought. I suppose for 401(k)s at TDA, it only makes sense to pay commissions and buy Vanguard funds if you rollover large assets into TDA. An...
by TIAX
Mon Apr 23, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on SPTM ETF in taxable for US stock index fund
Replies: 33
Views: 1890

Re: Opinions on SPTM ETF in taxable for US stock index fund

motorcyclesarecool wrote:
Mon Apr 23, 2018 10:00 am
OK, now I’m seeing a penny spread on SPTM. That’s 3bp. Therefore $34,750 is the point at which it becomes cheaper to pay a $6.95 commission. Not as bad as I thought.
I suppose for 401(k)s at TDA, it only makes sense to pay commissions and buy Vanguard funds if you rollover large assets into TDA.
by TIAX
Sun Apr 22, 2018 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Guidance
Replies: 4
Views: 531

Re: 401k Guidance

Please edit your original post to include expense ratios. I'd guess the best fund to use would be Voya U.S. Stock Index Portfolio.
by TIAX
Sun Apr 22, 2018 4:50 pm
Forum: Investing - Help with Personal Investments
Topic: Opinions on SPTM ETF in taxable for US stock index fund
Replies: 33
Views: 1890

Re: Opinions on SPTM ETF in taxable for US stock index fund

motorcyclesarecool wrote:
Sun Apr 22, 2018 3:34 pm
For a big transaction a single commission of $6.95 to buy VTI is cheaper than paying 6 bp of bid-ask spread for SPTM.
What do you think is the break-even point for a big enough single transaction to make paying the commission for VTI make sense?
by TIAX
Wed Apr 18, 2018 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Administrative Fees
Replies: 6
Views: 608

Re: 401k Administrative Fees

What is a reasonable cost basis for administrative fees? The advisor my work uses for the 401k plan originally was paid commissions. When I first met with him, he recommended some ultra-conservative fund-of-fund with trailing commissions hovering around +2.5%. This was after telling him how I have ...
by TIAX
Wed Apr 18, 2018 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3477

Re: Suddenly I had a weird bill go to collections - what's my course of action?

staythecourse wrote:
Wed Apr 18, 2018 11:04 am
Unfortunate since you went out of your insurance (which is illegal as well) they couldn't be available to send you an EOB.
It's "illegal" not to use insurance? I think not.
by TIAX
Sun Apr 15, 2018 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Suddenly I had a weird bill go to collections - what's my course of action?
Replies: 36
Views: 3477

Re: Suddenly I had a weird bill go to collections - what's my course of action?

OP, what fake info did you give them? Just the address? I assume you used your real name.