Search found 1058 matches

by Longdog
Sat Jun 16, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: When is the June ex-dividend date for VTSAX
Replies: 25
Views: 2002

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

plats wrote:
Sat Jun 16, 2018 4:51 pm
Unless I'm wrong, the Declaration date, June 20, becomes the Record date and the next day, June 21, is the Re-invest date and the Ex-Dividend date.
+1 Totally agree
by Longdog
Wed Jun 13, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 8431

Re: Getting killed on taxes - any ideas?

Thanks for the input everyone. To the posters who thought I was attempting to "humblebrag," I can promise that I wasn't. We only achieved dead broke (i.e., loans equaled assets) when I was about 35. We're now on the plus side by only a little bit. I recognize that our income is high. But as I had s...
by Longdog
Mon Jun 11, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Should I move my tax-efficient funds from Roth IRA to Taxable before or after distribution?
Replies: 15
Views: 649

Re: Should I move my tax-efficient funds from Roth IRA to Taxable before or after distribution?

Also, if you have the cash NOW to buy equities, then you probably should according to most people: Buy when you have the money. Time in the market, yada yada yada. Then make the move after the distribution occurs to avoid buying (and paying tax on) the dividend. Ugh. "Don't buy the dividend" vs "bu...
by Longdog
Mon Jun 11, 2018 5:25 am
Forum: Investing - Theory, News & General
Topic: Should I move my tax-efficient funds from Roth IRA to Taxable before or after distribution?
Replies: 15
Views: 649

Re: Should I move my tax-efficient funds from Roth IRA to Taxable before or after distribution?

JustinR wrote:
Mon Jun 11, 2018 4:03 am
Longdog wrote:
Mon Jun 11, 2018 4:01 am
Where is the money currently sitting on the taxable side? Is it in cash or a fund that will also be making a distribution?
New money. Cash.
Then make the move after the distribution occurs to avoid buying (and paying tax on) the dividend.
by Longdog
Mon Jun 11, 2018 4:01 am
Forum: Investing - Theory, News & General
Topic: Should I move my tax-efficient funds from Roth IRA to Taxable before or after distribution?
Replies: 15
Views: 649

Re: Should I move my tax-efficient funds from Roth IRA to Taxable before or after distribution?

Where is the money currently sitting on the taxable side? Is it in cash or a fund that will also be making a distribution?
by Longdog
Sat Jun 09, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

I am still trying to decide if I should buy the AWD or the Performance version. I always had really fast cars and modified car but the most I have ever spent was 33k. I would love to have the performance version because is fast of the show room and It can't be modified for more power. I am not plan...
by Longdog
Sat Jun 09, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

That sounds really low to me. Having said that, if you pick up a base 3 and want to sell it for $15,000+ after driving it for 3 years, I would buy it sight unseen as long as it wasn't wrecked. IMO, the 3 is years ahead of the competition. https://www.reddit.com/r/teslamotors/comments/8nhodw/model_3...
by Longdog
Thu Jun 07, 2018 9:27 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 9
Views: 1265

Re: "Find out if your fund is declaring a dividend this month"

Also, when will I know the exact amount of the dividend? Before or after the date I have to own it? This is tricky because Vanguard does not update their web site in a timely fashion. I think the morning after the Declaration date is when the amount of the dividend will be on the web site, so is th...
by Longdog
Wed Jun 06, 2018 7:17 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 9
Views: 1265

Re: "Find out if your fund is declaring a dividend this month"

Could some knowledgeable person explains the dates. E.g. The page shows Declaration date: June 20, 2018 for some funds including Vanguard International High Dividend Yield Index Fund Share classes Investor, Admiral, ETF. The Distributions page for ETF VYMI shows, for the last distribution, Record d...
by Longdog
Tue Jun 05, 2018 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Monthly "Auto Exchange" on Vanguard
Replies: 7
Views: 596

Re: Monthly "Auto Exchange" on Vanguard

That is one of the capabilities that was supported under the “legacy” platform but not the new one.
by Longdog
Sun Jun 03, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Can a physician work in tech while practicing as well?
Replies: 57
Views: 3695

Re: Can a physician work in tech while practicing as well?

I would be concerned that if you try to do both, you won’t excel at either. You’d be spreading yourself too thin.
by Longdog
Sat Jun 02, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage - order placed without enough funds
Replies: 14
Views: 983

Re: Vanguard Brokerage - order placed without enough funds

Like others have said, once you have clicked the ACH transfer button, the money is available to trade. So there is no problem unless the ACH transfer does not go through. I don't see anyone saying that, nor has that been my experience at other brokers. The OP has also not specified if he "pushed" t...
by Longdog
Sat Jun 02, 2018 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage - order placed without enough funds
Replies: 14
Views: 983

Re: Vanguard Brokerage - order placed without enough funds

If you placed the ACH transfer before 4pm yesterday then the money will be available to settle on Monday. If you did it today (Saturday) then it’s less clear. Did you get an email from them telling you that you don’t have enough in your account to cover settlement?
by Longdog
Sat Jun 02, 2018 2:39 pm
Forum: Personal Consumer Issues
Topic: Friends with an EJ Advisor
Replies: 49
Views: 3898

Re: Friends with an EJ Advisor

Was there ever a time in your recent friendship when his job at EJ or your net worth were not discussed? If not, then he probably saw you as a prospective client the whole time. If so, then great-he is a friend and will drop the idea of pursuing you as a client when you tell him you are not interest...
by Longdog
Sat Jun 02, 2018 5:42 am
Forum: Personal Consumer Issues
Topic: Any reasons to not put money down for a Tesla Model 3?
Replies: 45
Views: 2845

Re: Any reasons to not put money down for a Tesla Model 3?

Right now Tesla Model 3 buyers are in the “early adopters” phase of technology adaptation. These people are not the very first to try new technology but are sooner than the vast majority of people. They are willing to take some risk and are tolerant of some hiccoughs in the technology, and in exchan...
by Longdog
Fri Jun 01, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Umbrella Insurance Policy
Replies: 18
Views: 1945

Re: Value of Umbrella Insurance Policy

I carry the following limits on my auto policy - $300/$300/$50 Is the "50" = $50k property damage? If so, it is way too low. You total my new Mercedes and you'll be paying a bunch out of pocket, too. Isn't that what the umbrella is for? Umbrella has a minimum coverage requirement for the underlying...
by Longdog
Fri Jun 01, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Value of Umbrella Insurance Policy
Replies: 18
Views: 1945

Re: Value of Umbrella Insurance Policy

Be aware that an Umbrella policy does not protect assets. That's a misconception. If you have $1M in assets and a $1M Umbrella policy, that just puts $2M up for grabs in a lawsuit. True, but you can expect that the insurance company is going to work very hard to keep their liability as small as pos...
by Longdog
Mon May 28, 2018 9:38 am
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7077

Re: Tesla Autopilot, worth it?

I wonder what Tesla’s policy is if a Tesla vehicle with autopilot is totalled in an accident (whether or not autopilot was engaged) and the individual purchased a new Tesla vehicle as a replacement. Would Tesla “transfer” the autopilot software (really the rights to use the software) from the totall...
by Longdog
Mon May 28, 2018 4:33 am
Forum: Personal Finance (Not Investing)
Topic: Is having insurance from 5 different companies normal?
Replies: 15
Views: 1633

Re: Is having insurance from 5 different companies normal?

Every few years at renewal time I do a sanity check to see if my current insurer offers the best (or at least very competitive) rate for my auto, home, and umbrella policies. I look at the total cost of all policies per insurer and make sure the coverages between companies is equivalent. Sometimes o...
by Longdog
Fri May 25, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7077

Re: Tesla Autopilot, worth it?

Autopilot will also provide automated parallel parking in some conditions. That's a novelty but it's fun to press a couple buttons and watch the car park itself. Have you tried it? I rarely parallel park, but I would like to try it some time. Have you ever experienced a case when the "P" lights up,...
by Longdog
Tue May 22, 2018 12:49 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

https://www.yahoo.com/finance/news/tesla-model-3-falls-short-cr-recommendation-150525598.html#mycomments It's best (imo) to wait for EV's to mature. I cancelled my order and will let others be beta testers/waste their money. I think the time to buy will be in a few years once the segment has mature...
by Longdog
Tue May 22, 2018 3:55 am
Forum: Personal Finance (Not Investing)
Topic: How do I tell if Roth conversions are worth the trouble?
Replies: 76
Views: 6048

Re: How do I tell if Roth conversions are worth the trouble?

What type of income is putting you into the 24% bracket? Is there any way to restructure your entire portfolio while keeping the same asset allocation, so that the dominant source of taxable income is contained within your pre-tax IRA? For example, if you have substantial interest income from CDs, p...
by Longdog
Tue May 22, 2018 3:30 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: Consumer Reports: "Not recommended"

Bogleheads: According to this story, Consumer Reports will not recommend the Model 3: Consumer Reports Says it Found "Big Flaws With The Tesla Model 3 Best wishes. Taylor Good pointer. Only until: fix the problem with long stopping distance and inconsistent emergency braking response. Definitely a ...
by Longdog
Mon May 21, 2018 7:26 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

The 75D has a range of 259 miles, whereas the Model 3 Long Range has a range of 310 miles. So, I’m not sure what is equivalent between them. Which features or attributes would make them equivalent? The Model 3 isn’t really a “baby” Model S. Understood. That is a pro for that version of the Model 3 ...
by Longdog
Mon May 21, 2018 6:10 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

Congrats Longdog. Enjoy! Curious as to what the price delta is between your build and the equivalent Model S 75D? Tesla won't let us outsiders ;-) configure a Model 3 without first siging up which is rather annoying. For those awaiting the 35K model here is the latest as of last night from Musk: Wi...
by Longdog
Mon May 21, 2018 6:35 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

Have we analyzed the following in this thread? I couldn't find them in my casual reading of the past 18 pages over the last several months: 1. Is the gas savings on the Tesla website legit? https://www.tesla.com/where-you-park For the average 15,000 miles a year, $0.12 kWh FPL electricity, and $2.9...
by Longdog
Mon May 21, 2018 4:15 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

Well I just did a very non-Boglehead thing and ordered an AWD version when that configuration option opened up this evening. I have no doubts I can afford it, but still quite a splurge unlike one I’ve ever done. Did not get autopilot for the reasons I mentioned in the other thread. Coincidentally, ...
by Longdog
Sun May 20, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

Well I just did a very non-Boglehead thing and ordered an AWD version when that configuration option opened up this evening. I have no doubts I can afford it, but still quite a splurge unlike one I’ve ever done. Did not get autopilot for the reasons I mentioned in the other thread. Coincidentally, s...
by Longdog
Sun May 20, 2018 5:04 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7077

Re: Tesla Autopilot, worth it?

Folks with an engineering level of grounding in the internals of hardware and software of AD technology and the challenges involved understand that AD is still far from perfect at this point and will likely remain relatively rudimentary especially in exception situations far into the future. The sy...
by Longdog
Sun May 20, 2018 4:56 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7077

Re: Tesla Autopilot, worth it?

While I think it’s a cool feature to have, I cannot reconcile the claim that it makes driving safer while at the same time you must pay full attention to the road and be able to take over immediately if it goes astray. In other words, it keeps you safe but you cannot rely on it to keep you safe. I ...
by Longdog
Sun May 20, 2018 3:36 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 7077

Re: Tesla Autopilot, worth it?

While I think it’s a cool feature to have, I cannot reconcile the claim that it makes driving safer while at the same time you must pay full attention to the road and be able to take over immediately if it goes astray. In other words, it keeps you safe but you cannot rely on it to keep you safe. The...
by Longdog
Wed May 16, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Friend says "Stock market will crash, invest in silver" - thoughts?
Replies: 127
Views: 8130

Re: Friend says "Stock market will crash, invest in silver" - thoughts?

There is a presumption in that claim that people should continuously adjust their investments based on what is about to happen. That is fundamentally at odds with the Boglehead approach to investing. If, however, you accept that premise, the Boglehead approach is not for you.
by Longdog
Fri May 11, 2018 5:38 am
Forum: Investing - Help with Personal Investments
Topic: Better to Sell Shares appreciated 10% for Short Term Gain or Shares appreciated 30+% for Long Term Gain?
Replies: 10
Views: 1072

Re: Better to Sell Shares appreciated 10% for Short Term Gain or Shares appreciated 30+% for Long Term Gain?

When I read the subject I thought it was going to be a question of the form, “all else being equal, which is better?” but in your scenario all things are not equal so I don’t think the basis for selling the shares should be long term vs short term gains. I think it should be based on which investmen...
by Longdog
Sat May 05, 2018 7:22 am
Forum: Personal Finance (Not Investing)
Topic: IRS Filing [Should 1040X be filed?]
Replies: 7
Views: 915

Re: IRS Filing

I would just file 1040x now. Explain and be done. If you wait for them interest will continue to accrue. If you used software, i would include a copy of updated 1040 just for their info. The OP indicated that the additional taxes owed were paid by the filing deadline, so no interest will accrue unl...
by Longdog
Thu May 03, 2018 7:08 pm
Forum: Investing - Theory, News & General
Topic: How does stock buyback benefit investors?
Replies: 78
Views: 6332

Re: How does stock buyback benefit investors?

Occasionally I hear companies return their extra cash to their share holders by stock buybacks. Recently there was a report that Apple will return $100 billion to its share holders by stock buybacks. A typical argument goes like this: A company reduces the number of outstanding shares in the market...
by Longdog
Mon Apr 30, 2018 6:49 am
Forum: Investing - Help with Personal Investments
Topic: Need feedback on strategy for avoiding the 3.8% NIIT
Replies: 13
Views: 1594

Re: Need feedback on strategy for avoiding the 3.8% NIIT

I went through a similar realization a few years ago related to both AMT as well as NIIT, and my philosophy at the time was to do as much I could to optimize the tax situation in year one (without having a net negative effect), but to accept that making my portfolio more tax efficient is a long-term...
by Longdog
Mon Apr 30, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: Dropping equities dividend rates and loss of compounding
Replies: 15
Views: 1764

Re: Dropping equities dividend rates and loss of compounding

Yes, reducing dividends would increase prices just as increasing dividend decreases prices. Net effect on total return is the same. What determines total return at the end of the day are profits. Do you have an example of when a company announced a cut to its dividend, its stock price went up? Usua...
by Longdog
Sat Apr 28, 2018 8:15 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

Tesla didn't note that. They didn't put a link to the manual. Didn't even bother to put an asterisk. That's misleading at best. Agree. And even if they did, I don't think it would be reasonable to expect drivers to know every detail of the Autopilot implementation and recall them at every instant w...
by Longdog
Mon Apr 23, 2018 5:44 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

One more question for existing owners of any pure EV. I had traveled for work Mon-Thu by flights and left my car in airport parking lots. What is the degradation of battery power that was noticed for EV vehicles in such scenarios (No charge, no driving for 4 days)? Owners on the Model 3 forum are r...
by Longdog
Mon Apr 23, 2018 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA changing contribution year
Replies: 4
Views: 386

Re: Roth IRA changing contribution year

Why does it matter which year each one counts for?
by Longdog
Sat Apr 21, 2018 3:50 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

I am one of those that are still sitting on the fence a week after we got the email to design ours. Could the existing owners provide answers to below? 1. The internet connection that drives the maps on the screen - how long is it free? 2. Can we install any audio or email apps in the screen to lis...
by Longdog
Thu Apr 19, 2018 5:12 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

My continued thinking process from there is that I can wait for the $41K car and not get full or partial federal credit (base model estimated date is next year) or buy the 50K car and get 7.5K federal credit and essentially think of it as a 42.5K car (though i pay taxes on the 7.5k that equals anot...
by Longdog
Mon Apr 16, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: 1099-INT Bond Premium Amount for Tax Deduction
Replies: 5
Views: 310

Re: 1099-INT Bond Premium Amount for Tax Deduction

It is for the current year. And only for covered bonds.
by Longdog
Mon Apr 16, 2018 8:49 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

1. Heard that there is a 1K deliver fee. Is that true? Are there any other surprises? 2. How many days do I have before i make a decision to buy or hold my position? 3. What is the financing deals being offered on Model 3? 4. Based on 2017 taxes, fed tax withhold across both of us was 10K. Our tax ...
by Longdog
Mon Apr 16, 2018 7:38 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1067
Views: 84216

Re: To take or not to take delivery of Tesla 3

Of all the criticisms of the Model 3 that are regularly written about (as well as the many praises) the one area I’ve only seen praised is the way it drives. It was meant to be competitive with the Audi A4 and BMW 3 series, both of which are best in class rides. Based on professional as well as amat...
by Longdog
Sat Apr 14, 2018 8:11 am
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 7007

Re: vanguard notice - retiring our old investment platform

If the new investment platform supported the same features (that I use) as the old one, I would support it. It does not. I do not.
by Longdog
Mon Apr 09, 2018 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Got 1099-R for corrective distribution in individual 401k. Can I avoid double taxation?
Replies: 2
Views: 248

Re: Got 1099-R for corrective distribution in individual 401k. Can I avoid double taxation?

Would it be possible to file an amended return for tax year 2016 with taxable income reduced by the amount of the excess contribution?
by Longdog
Wed Apr 04, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Wash sale - three for one?
Replies: 3
Views: 218

Re: Wash sale - three for one?

As I interpret it (because it’s literally how it’s written in IRS documents) it’s a one-for-one replacement of one security for another substantially identical one.
by Longdog
Sun Apr 01, 2018 6:35 am
Forum: Personal Finance (Not Investing)
Topic: [Estate tax] on savings accounts?
Replies: 19
Views: 999

Re: death tax on savings accounts?

If the total value of your estate is under $11.2 million, there is no federal estate tax due. Does that answer your question?