Search found 409 matches

by wassabi
Mon Oct 15, 2018 10:08 am
Forum: Personal Finance (Not Investing)
Topic: Autoupdate google sheets with Tbill price/value
Replies: 5
Views: 397

Re: Autoupdate google sheets with Tbill price/value

Does anyone know how to get stock prices in Excel automatically? There are some other threads on how to do it, but I've never been able to figure it out. I use Google Sheets right now because it's easy to bring in stock prices but I'd really like to use Excel instead. Maybe someone will chime in wi...
by wassabi
Sat Oct 13, 2018 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 22
Views: 1004

Re: Kaiser or CareFirst

Thanks very much to everyone for all the great input. We decided to give Kaiser a shot. Your comments definitely helped us make the decision. :thumbsup :thumbsup
by wassabi
Sat Oct 13, 2018 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 22
Views: 1004

Re: Kaiser or CareFirst

I really liked CareFirst. Other than the fact that there's a deductible to hit (minimal), their rates are reasonable, and their annual cap is quite low (~$2k/person last time I checked). Most in the District and surrounding areas accept it as well. That said, I really wanted to join Kaiser, but the...
by wassabi
Sat Oct 13, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Kaiser or CareFirst
Replies: 22
Views: 1004

Kaiser or CareFirst

I'm switching jobs in the next few months and taking a federal job in the Washington DC area. I've always had CareFirst and my spouse uses Kaiser. The federal government offers excellent coverage and rates for plans with both providers so we'd like to get on the same plan going forward. My spouse li...
by wassabi
Fri Oct 12, 2018 6:59 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 714

Re: Wash Sale?

This is why I turn off automatic dividend reinvesting for all holdings in my taxable account, and for any holdings in my IRA that are also in my taxable account. Then I can control/prevent any inadvertent wash sales. The automatic dividend reinvestment in ANY accounts - taxable and retirement - can...
by wassabi
Thu Oct 11, 2018 7:51 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 714

Re: Wash Sale?

I believe the IRS does not allow any loss to be claimed if the securities were repurchases in an IRA. https://www.investopedia.com/articles/retirement/09/ira-wash-sale-rule.asp Here’s a link that discusses it. Here is where I had a disallowed loss because of a purchase in an IRA and how it was trea...
by wassabi
Thu Oct 11, 2018 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 714

Re: Wash Sale?

You only have some of your loss disallowed, say on about 14 shares. And since bond funds don't have large losses, maybe your realized loss was about 4% of the share value, so the disallowed loss is probably under $10 in total value. I believe the IRS does not allow any loss to be claimed if the sec...
by wassabi
Thu Oct 11, 2018 6:57 am
Forum: Investing - Help with Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 33
Views: 2618

Re: anybody sell I Bonds to buy something else?

ishkadetto wrote:
Wed Oct 10, 2018 12:32 pm

Edit: Also I have access to the G Fund which I feel gives me inflation protection, so the extra 10k in I bonds is negligible. I think I just convinced myself to sell them next month :D

Interesting. How does the G Fund protect against inflation?
by wassabi
Thu Oct 11, 2018 6:52 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 714

Re: Wash Sale?

On 2/5/18 I sold VBILX in taxable for a $3000 loss. On 2/28/2018 I had a $153 dividend reinvestment into VBILX in my IRA. I just realized today that is likely a wash sale and the taxable loss cannot be claimed as a loss. Can anyone confirm? If so, then it’s probably a good time now with this down m...
by wassabi
Thu Oct 11, 2018 6:50 am
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 714

Re: Wash Sale?

Wash sale yes You don’t have the whole loss disallowed. Only the portion that could be allocated to the “replacement shares” purchased in your IRA For instance if the $153 dividend reinvestment purchased 2 shares, then you would be disallowed the tax loss on 2 shares that you sold. Pretty sure that...
by wassabi
Wed Oct 10, 2018 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Wash Sale?
Replies: 15
Views: 714

Wash Sale?

On 2/5/18 I sold VBILX in taxable for a $3000 loss. On 2/28/2018 I had a $153 dividend reinvestment into VBILX in my IRA. I just realized today that is likely a wash sale and the taxable loss cannot be claimed as a loss. Can anyone confirm? If so, then it’s probably a good time now with this down ma...
by wassabi
Wed Aug 29, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: Just put $100K into TUR. Analysis inside
Replies: 71
Views: 3370

Re: Just put $100K into TUR. Analysis inside

OP, there's nothing wrong with your position provided it fits your IPS and works for you. In fact, I'm thinking of picking up a few shares with a small portion of my portfolio that I reserve for riskier positions. Sorry you're being ridiculed by so many in this thread - that's to be expected on this...
by wassabi
Mon Aug 20, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard performance tracking
Replies: 0
Views: 264

Vanguard performance tracking

Does Vanguard accurately track the performance of an account even after I sell a position for a profit (or loss) and buy something else? For example, I own VTSAX in a Rollover IRA and am up 15% in that position but want to exchange the fund for VTWSX (Vanguard Total World). I also own a bond fund in...
by wassabi
Mon Aug 20, 2018 5:32 pm
Forum: Investing - Theory, News & General
Topic: Vanguard predicts 10 year equity returns
Replies: 91
Views: 10442

Re: Vanguard predicts 10 year equity returns

How many times are we going to rehash this conversation? Nobody has a crystal ball and market timing is not the boglehead way. This thread is not actionable. I don't understand why threads under the "Theory, News & General" should be actionable. If anything, isn't acting based on the news precisely...
by wassabi
Thu Aug 02, 2018 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Charitable giving strategy
Replies: 43
Views: 2395

Re: Charitable giving strategy

We do both local and national organizations. I'm very cautious about giving to organizations that will waste resources or inappropriately use them. If you are open to a faith-based organization then consider Samaritans Purse. I can personally vouch for the organization. Although there is a Christian...
by wassabi
Thu Jul 26, 2018 5:40 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 1099

Re: Steps to transfer IRA to Vanguard

I looked at the Schwab site and there does not appear to be any fees to sell their funds inside an IRA. What would be the disadvantage of closing all fund and stock positions and going 100% cash prior to moving to Vanguard?
by wassabi
Wed Jul 25, 2018 8:29 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 1099

Re: Steps to transfer IRA to Vanguard

What is the cost associated with selling assets? I assumed there was no fee to sell the funds and stocks the advisor has her in right now. I have a Schwab rollover and I know when I make purchases and sell assets I am not charged.

Am I missing a hidden fee?
by wassabi
Wed Jul 25, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 1099

Re: Steps to transfer IRA to Vanguard

Set up the Vanguard account first, but DO NOT ask them to initiate the transfer. Weeks will pass and nothing will happen. When I gave up and asked my former IRA firm (TIAA) to do it, it happened in about four hours. Once you have your Vanguard account number, go to Schwab's website and initiate the...
by wassabi
Wed Jul 25, 2018 7:14 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 1099

Re: Steps to transfer IRA to Vanguard

I think opening the IRA at Vanguard is the first step. Then have Vanguard pull the assets from the advisor. But it might be worth looking into the cost to sell the funds she is currently in at both locations. Some might be more or less expensive with the advisor than with Vanguard, and depending ho...
by wassabi
Wed Jul 25, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Steps to transfer IRA to Vanguard
Replies: 15
Views: 1099

Steps to transfer IRA to Vanguard

My retired mother in law has a financial advisor that charges her 1% and uses Schwab. She recently asked me to help her get set up at Vanguard. I’m going to post separately about the investments she is currently in and what I want to put her in at Vanguard (all index and treasuries). The first step ...
by wassabi
Wed Jul 18, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Titans of Junk: Behind the Debt Binge That Now Threatens Markets [Bloomberg article]
Replies: 14
Views: 2404

Re: Titans of Junk: Behind the Debt Binge That Now Threatens Markets [Bloomberg article]

I've been reading many articles recently like the OP's about record corporate debt levels and the danger this presents if the economy slows. Most of my fixed income is in laddered TIPs and CD's which, of course, have no exposure to this potential problem. However, one of my IRA accounts had a modes...
by wassabi
Thu Jul 12, 2018 5:35 pm
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18348

Re: COMING SOON: BOGLEHEADS PODCASTS

wassabi wrote:
Thu Jul 12, 2018 11:48 am
Bogleheads: Investing made simple.
Alternative:
Bogleheads: Investing made easy.
by wassabi
Thu Jul 12, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: COMING SOON: BOGLEHEADS PODCASTS
Replies: 362
Views: 18348

Re: COMING SOON: BOGLEHEADS PODCASTS

Bogleheads: Investing made simple.
by wassabi
Fri Jun 15, 2018 8:18 pm
Forum: Investing - Help with Personal Investments
Topic: Using Wellesley Fund as a bond alternative
Replies: 18
Views: 2511

Re: Using Wellesley Fund as a bond alternative

Hey guys was getting your input on using the Wellesley fund 35:65 stock/bonds as my bond fund. Currently contribute $2500 a month to VTSAX ($30k yearly) and $250 a month to Wellesley which also houses my emergency fund of $30k so around 3k a year to that. I would be able to take the risk of a 10 pe...
by wassabi
Sun Apr 15, 2018 1:25 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: 3647

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

Help, I'm really stressing out! You're stressing out over a $100 possibly invalid debt? All collection agencies do is scare people who don't know that the agencies can't actually do anything. Write the letter to the collection agency asking them to validate the debt and, otherwise, not contact you,...
by wassabi
Sat Apr 07, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 4315

Re: How often do you replace your office shoes?

I replace every 2-3 years for good quality - johnston & murphy, Clarks, Ecco. Coincidentally I'm going to buy Allen Edmonds this afternoon. I hate to spend so much but I've learned that quality shoes are worth it. The big problem for me is that I use public transportation and beat up my shoes. I can...
by wassabi
Wed Mar 28, 2018 5:13 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 114
Views: 39300

Re: WSJ Digital Subscription - a bargain!

I have been using the WSJ as my primary source of news for the past six months and am 100% satisfied. Worth every penny.
by wassabi
Sun Mar 18, 2018 8:51 am
Forum: Personal Consumer Issues
Topic: Soft boxer shorts for men
Replies: 28
Views: 3170

Re: Soft boxer shorts for men

I don't want this go "off topic", this should be ok since I'm just asking for product link. I would like to find some boxer shorts with the following requirements: - No thick "rubber band" at the top. I find this painful - Material should be soft cotton or flannel - Elastic should be fully covered ...
by wassabi
Tue Mar 06, 2018 7:04 pm
Forum: Investing - Theory, News & General
Topic: Crypto Index Fund
Replies: 26
Views: 2455

Re: Crypto Index Fund

What is an accredited investor?

Edit: never mind, found it here: https://www.investor.gov/additional-res ... -investors
by wassabi
Sat Mar 03, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Thinking of getting an Apple Watch
Replies: 82
Views: 9013

Re: Thinking of getting an Apple Watch

It truly is amazing to me what people think they actually need nowadays. You know how I know my heart rate is elevated when I’m working out? I feel my heart beating. People have a pocketsized supercomputer within arms reach 24/7 and that’s still not enough There will be nothing “life changing” abou...
by wassabi
Thu Feb 15, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: Wisdom of Bitcoin
Replies: 90
Views: 8189

Re: Wisdom of Bitcoin

How is this thread any different than the many other bitcoin threads that ridicule and make fun of it and anyone who thinks it’s a good investment? The original post isn’t even actionable - it’s just trolling bitcoin.
by wassabi
Tue Feb 13, 2018 7:03 pm
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 45
Views: 5591

Re: Rolex

I have personally been watching for a Rolex black and blue GMT batman but am having a hard time pulling the trigger on one with prices where they currently stand. I'm about to pull the trigger on a used one today. Prices seemed to have run up during xmas, then fallen a tiny bit since. Went to 5 sto...
by wassabi
Sun Feb 11, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: MFJ 2 allowances underpayment penalty
Replies: 16
Views: 1289

Re: MFJ 2 allowances underpayment penalty

The W-4 has a worksheet to make an approximate adjustment to your withholding when you have two earners. Did you adjust your withholding according to that worksheet? (It computes a total number of allowances, and recommends that the higher-earning spouse claim all of them.) There should be a new W-...
by wassabi
Sun Feb 11, 2018 9:56 am
Forum: Personal Finance (Not Investing)
Topic: MFJ 2 allowances underpayment penalty
Replies: 16
Views: 1289

Re: MFJ 2 allowances underpayment penalty

As a follow-up to this post, I used a calculator and accurately entered our income and other information. With me withholding two and my wife withholding zero (same as last year), the tool says we should have a refund next year of $742. If that's the case, I'd be happy to not adjust my withholding; ...
by wassabi
Mon Feb 05, 2018 6:05 pm
Forum: Investing - Theory, News & General
Topic: Young vs Middle Aged?
Replies: 32
Views: 3424

Re: Young vs Middle Aged?

I turned 40 a couple weeks ago. I feel old. I can relate. 40 is a tough age. It's more symbolic than anything. Most on this forum will agree that 40 and even 65+ is not "old." Anytime I feel old (as a 40-something) I read the consumer threads about our fellow retired Bogleheads who by government st...
by wassabi
Fri Feb 02, 2018 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Sell Bond Fund in Taxable for Loss?
Replies: 15
Views: 1265

Re: Sell Bond Fund in Taxable for Loss?

I'm wresting with the same issue. The problem is I like the fund, esp Admiral shares. But I think it MIGHT be a decent MARKET TIMING (please don't shoot!) bet that interest rates will be the same or higher in 1 month. Meaning you could buy the fund back at the same or lower price, after the wash-sa...
by wassabi
Fri Feb 02, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: I BONDS Maturing in 2030
Replies: 42
Views: 3228

Re: I BONDS Maturing in 2030

How would you go about claiming the interest on the I-Bonds so that it doesn't stack up at the 30-year mark? Say for example you bought one in 2010 and it matures in 2040. This year, you want to pay the interest for 2010-2017. Do you combine the total interest as one line item? Do you have to reques...
by wassabi
Fri Feb 02, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Getting out of bond funds?
Replies: 17
Views: 2372

Re: Getting out of bond funds?

OP, what role do bonds play in your portfolio? If you have them for safety and you are ok with losing money on the yield, then move to money market (or low yield safe equivalents) so you sleep well during the next correction or meltdown. If you are comfortable with taking a little bit of risk for so...
by wassabi
Fri Feb 02, 2018 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Sell Bond Fund in Taxable for Loss?
Replies: 15
Views: 1265

Re: Sell Bond Fund in Taxable for Loss?

I've decided to sell the bond fund that way I can harvest the loss and allocate my positions more efficiently.

Thanks very much for the discussion and help thinking through this topic!
by wassabi
Fri Feb 02, 2018 8:32 am
Forum: Investing - Help with Personal Investments
Topic: Sell Bond Fund in Taxable for Loss?
Replies: 15
Views: 1265

Re: Sell Bond Fund in Taxable for Loss?

If I sell, I realize the loss but I can claim the capital loss and get my portfolio to where I think it needs to be per my IPS and make it more tax efficient (but HOW much more tax efficient I don't know). I'm a bit baffled. Do you consider realizing losses bad? The loss exists regardless of whethe...
by wassabi
Fri Feb 02, 2018 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Sell Bond Fund in Taxable for Loss?
Replies: 15
Views: 1265

Re: Sell Bond Fund in Taxable for Loss?

If I sit on the small position, I continue to deal with the tax inefficiency, but I don't realize the loss by selling. I'm not sure why you think it might be a problem or somehow disadvantageous to realize the loss. It's already a loss, currently, whether you sell or not. That's the first thing to ...
by wassabi
Fri Feb 02, 2018 8:01 am
Forum: Investing - Help with Personal Investments
Topic: Sell Bond Fund in Taxable for Loss?
Replies: 15
Views: 1265

Re: Sell Bond Fund in Taxable for Loss?

I had been keeping a complete AA in each of my accounts to simplify rebalancing. However is was tax inefficient because of taxable bonds in my taxable accounts. So, in December, I moved everything around such that all of my taxable bonds are now in my rollover IRA's. The net result was that, yes, I...
by wassabi
Fri Feb 02, 2018 7:04 am
Forum: Investing - Help with Personal Investments
Topic: Sell Bond Fund in Taxable for Loss?
Replies: 15
Views: 1265

Sell Bond Fund in Taxable for Loss?

For various reasons I own vanguard intermediate term bond fund (VBILX) in my taxable account. Over the past year or two I've been transitioning most of the bonds to my tax advantaged accounts systematically through 401k contributions and other methods. However, due to the drop in the bond market I'm...
by wassabi
Wed Jan 31, 2018 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: MFJ 2 allowances underpayment penalty
Replies: 16
Views: 1289

Re: MFJ 2 allowances underpayment penalty

Forgive my ignorance, but how do I "do married but withhold as single."? Is that just a change with our W4? We would change our filing status to Single (with HR in the payroll system) but continue to file our taxes as Married Filing Jointly? I am unsure when the new W4 will come out from IRS due to...
by wassabi
Wed Jan 31, 2018 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: MFJ 2 allowances underpayment penalty
Replies: 16
Views: 1289

Re: MFJ 2 allowances underpayment penalty

I was married in 2016 and that's the first year I had to pay taxes. We were married mid-year and had to pay about $1700. This year, however, after being married all of 2017 our initial taxes owed were around $3k federal after I entered income and before I entered itemized deductions (charitable con...
by wassabi
Wed Jan 31, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: MFJ 2 allowances underpayment penalty
Replies: 16
Views: 1289

Re: MFJ 2 allowances underpayment penalty

I was married in 2016 and that's the first year I had to pay taxes. We were married mid-year and had to pay about $1700. This year, however, after being married all of 2017 our initial taxes owed were around $3k federal after I entered income and before I entered itemized deductions (charitable con...
by wassabi
Wed Jan 31, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: MFJ 2 allowances underpayment penalty
Replies: 16
Views: 1289

Re: MFJ 2 allowances underpayment penalty

Alternatively, if you don't have any other sources of income, if you both do Married but withhold as Single, I would be surprised if you underpay. Forgive my ignorance, but how do I "do married but withhold as single."? Is that just a change with our W4? We would change our filing status to Single ...
by wassabi
Wed Jan 31, 2018 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: MFJ 2 allowances underpayment penalty
Replies: 16
Views: 1289

Re: MFJ 2 allowances underpayment penalty

If you want to be absolutely certain about avoiding the underpayment penalty, you can make sure to withhold at least 100% of your 2017 taxes. If you want to be hardcore about it, you could look at the withholding tables and calculate exactly how many allowances you need to get there. Not always. At...
by wassabi
Wed Jan 31, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: MFJ 2 allowances underpayment penalty
Replies: 16
Views: 1289

MFJ 2 allowances underpayment penalty

I was married in 2016 and that's the first year I had to pay taxes. We were married mid-year and had to pay about $1700. This year, however, after being married all of 2017 our initial taxes owed were around $3k federal after I entered income and before I entered itemized deductions (charitable cont...
by wassabi
Sun Jan 28, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: Turn 75,000 into 1 million
Replies: 42
Views: 7656

Re: Turn 75,000 into 1 millio

Well, I was laid off at 40 with a grand total of 68,000 to my name. Rolled it into the Wellington fund and ignored it for 23 years, it’s now at 822,000. Add a little savings every year in the meantime and there is no reason you can’t be well over a million by the time Your 65.probably pushing 2 mil...