Search found 1106 matches

by Longdog
Thu Nov 08, 2018 6:29 pm
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 4594

Re: Do you prefer etfs or mutual funds?

This is my first thread! My question... Do you prefer etfs or mutual funds? I honestly prefer etfs. They have daily liquidity and are tax efficient. I encourage you to do more research. ETFs are no more or less liquid or tax efficient than index mutual funds. My Thesis is simple. I want fast conven...
by Longdog
Tue Nov 06, 2018 6:25 am
Forum: Investing - Theory, News & General
Topic: Anyone ever “borrow” against their emergency fund?
Replies: 23
Views: 2455

Re: Anyone ever “borrow” against their emergency fund?

Yes, I also view my emergency fund as a liquidity fund, sometimes fronting some money over a short period of time, when I am 100% certain that the money will be replaced.
by Longdog
Sun Nov 04, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 94
Views: 7749

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

TurboTax told me last year (for tax year 2017) that TurboTax next year (2018 tax year) would not run on my aging Mac. BTW - for anyone with straightforward taxes, TaxAide will do your taxes for you, efile 'em, and efile your State tax - all for no charge. Yes, I recall that too. It requires Mac OS ...
by Longdog
Thu Nov 01, 2018 6:51 am
Forum: Personal Consumer Issues
Topic: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership
Replies: 28
Views: 1689

Re: $50 Prepaid Visa Card for Taking Test Drive at Jeep Dealership

I’ve done this numerous times at various manufacturers and dealers, but most likely because I enjoy learning about and test driving new cars. They are always invitations mailed to me - I don’t seek them out. I always go in and tell them that I’m only there for the gift, not currently in the market, ...
by Longdog
Mon Oct 29, 2018 3:39 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard as a trustee
Replies: 33
Views: 3040

Re: Vanguard as a trustee

I am also interested in hearing about experiences with Vanguard as a trustee for an irrevokable trust. In particular, is there any way that the trust (with Vanguard as trustee) can own a share of a family LLC (limited liability corporation)? (The LLC mainly holds about 9,000 acres of pastureland th...
by Longdog
Sun Oct 28, 2018 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard as a trustee
Replies: 33
Views: 3040

Re: Vanguard as a trustee

I am also interested in hearing about experiences with Vanguard as a trustee for an irrevokable trust. In particular, is there any way that the trust (with Vanguard as trustee) can own a share of a family LLC (limited liability corporation)? (The LLC mainly holds about 9,000 acres of pastureland th...
by Longdog
Mon Oct 22, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: My Edward Jones IRA is out performing my Vanguard 401K
Replies: 65
Views: 8197

Re: My Edward Jones IRA is out performing my Vanguard 401K

Do the returns take into account the asset under management fee?
by Longdog
Tue Oct 16, 2018 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 440
Views: 41352

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

How do you "sign up" for this offer? https://www.allypaybacktime.com/ Thanks. Is this only for new money that goes in after signing up? What if I move some money out of Ally and then move it back in after a few days. Would that count too? I doubt it. That's kind of abusing the system. My guess is t...
by Longdog
Wed Oct 10, 2018 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: TLH with a recent purchase in Vanguard Roth (FIFO)
Replies: 6
Views: 307

Re: TLH with a recent purchase in Vanguard Roth (FIFO)

It's all described in excruciating detail: https://www.bogleheads.org/forum/viewtopic.php?t=179414 But a day like today I think shows why one should not be afraid of wash sales. As a general rule, isn’t a wash sale with replacement shares in a retirement account always to be avoided? What’s the ben...
by Longdog
Wed Oct 10, 2018 6:28 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2019 for Mac
Replies: 3
Views: 478

Re: Quicken 2019 for Mac

I switched from the Windows version to the Mac version a couple of years ago. It is functional, but a vastly inferior product to the Windows version. Many bugs. In some cases the screen flows and organization of the data is different and more cumbersome (less intuitive) to navigate. They are not the...
by Longdog
Tue Oct 09, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Can CD interest be LTCG?
Replies: 2
Views: 380

Re: Can CD interest be LTCG?

No, it is interest, no matter when and how you receive it.
by Longdog
Mon Oct 08, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 295
Views: 19054

Re: Talk me out of buying a Tesla Model 3

Fellow Bogleheads, I made the mistake of test driving a Tesla Model 3 Performance this weekend. The car blew me away and now I want one. Yep - that's how they get you. I know that to most on this forum, anything above and beyond a Corolla or a Prius is a waste of money so I'll make an appeal to tho...
by Longdog
Thu Oct 04, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help - Question about my Financial Planner
Replies: 6
Views: 464

Re: Help - Question about my Financial Planner

Hello! I am new here, and I am fairly new to investing in general. I greatly appreciate any help you can provide. I started with a financial planner approximately 6 months ago. The individual came highly referred, has an outstanding resume, and I have great trust in him as a person. All the above s...
by Longdog
Thu Oct 04, 2018 7:46 am
Forum: Investing - Theory, News & General
Topic: Fidelity to Vanguard in-kind rollover
Replies: 1
Views: 212

Re: Fidelity to Vanguard in-kind rollover

Why is it so important to do this transfer in-kind?
by Longdog
Mon Oct 01, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Suze Orman - "I hate the FIRE movement."
Replies: 75
Views: 9518

Re: Suze Orman - "I hate the FIRE movement."

.... She believes that most people should plan on working until age 70. ... .... She believes that unemployment will be 25% in a decade or two ... No cognitive dissonance there. Was thinking the same thing. Mutually exclusive premises. In other words, since 25% of the people won’t be able to find w...
by Longdog
Wed Sep 26, 2018 7:27 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 Owners: Your experience so far
Replies: 75
Views: 10595

Re: Tesla Model 3 Owners: Your experience so far

1. Was it worth the money? That's a judgement call only you can make for yourself. I'd say it competes favorably, from a price and performance perspective, with the Audi A4 and BMW 3-series, which were my benchmarks for comparison. So if you think those are worth the money, then absolutely. 2. Month...
by Longdog
Tue Sep 11, 2018 7:27 pm
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a dividend this month"
Replies: 5
Views: 1324

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

For ETFs, I've observed that the ex-dividend date is two business days after the declaration date.
by Longdog
Thu Sep 06, 2018 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Warning about "unsettled trade" problem with Vanguard
Replies: 9
Views: 1119

Re: Warning about "unsettled trade" problem with Vanguard

This is obviously very important to you, so you should move all of your assets to another broker that does not have this flaw on their trading platform, though it could be difficult to verify that before you make the move. Given your experience you will be well prepared to test out the new platform ...
by Longdog
Tue Sep 04, 2018 4:46 am
Forum: Investing - Help with Personal Investments
Topic: How To Invest Windfall When At Market Top
Replies: 26
Views: 4312

Re: How To Invest Windfall When At Market Top

Your friend should be comfortable with his decision, and should not rush into it. You will get various opinions, I’m sure. If it were me, I’d dollar cost average over a couple of years, which contrasts with the predominant advise you’re likely to get here. Best case, the market goes through a correc...
by Longdog
Sun Sep 02, 2018 12:27 pm
Forum: Personal Finance (Not Investing)
Topic: Time required for outgoing wires from Ally Bank
Replies: 17
Views: 1167

Re: Time required for outgoing wires from Ally Bank

That’s not what their form says. “ Requests received and verified before 3 pm ET, on a business day, will process that same day • Requests received and verified after 3 pm ET, or on a weekend or holiday, will process the next business day • The wire transfer fee is $20. When you wire money from you...
by Longdog
Fri Aug 31, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Passing on Long Term losses to heirs
Replies: 8
Views: 582

Re: Passing on Long Term losses to heirs

inbox788 wrote:
Fri Aug 31, 2018 1:39 pm
The biggest challenge is predicting the timing of the death. If you could do that accurately, getting a one year life insurance policy may have a higher payout.
If you could do that accurately you might have other (legal/criminal) issues to contend with. :wink:
by Longdog
Tue Aug 28, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Taxable account for early retirement
Replies: 18
Views: 1215

Re: Investing in Taxable account for early retirement

Side notes: I recognize that I can pull from the Roth IRA prior to 59 and only have to pay taxes. What taxes? Sorry, I didn't complete that thought. It would be income tax and/or capital gains on the earnings. You don’t owe taxes on earnings that occur within a Roth IRA, even when you withdraw them...
by Longdog
Sun Aug 19, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Money Market Funds vs. Online Banks
Replies: 38
Views: 3811

Re: Money Market Funds vs. Online Banks

In my opinion, there is no reason. Although I know they are not absolutely equivalent, I believe the safety differences are inconsequential, plus the Money Market Fund can be used to write checks from (>$250). Also, it is super easy to do ACH transfers in either direction, should the economics rever...
by Longdog
Mon Aug 06, 2018 3:48 am
Forum: Investing - Theory, News & General
Topic: How are muni rates determined?
Replies: 25
Views: 1779

Re: how are muni rates determined?

When the bond is called early, does the buyer get back face value ($1000), or the premium ($1200) paid? (I'd be most annoyed to have a bond called and get back $1000 on a bond that cost me $1200.) Most likely neither. The call price is stated in the terms and usually slightly higher than the face v...
by Longdog
Sun Aug 05, 2018 11:05 am
Forum: Investing - Theory, News & General
Topic: How are muni rates determined?
Replies: 25
Views: 1779

Re: how are muni rates determined?

The standard advice around here is not to buy stocks from your own employer. I would think (although I have never heard it explicitly stated) that there might be a downside to buying bonds from your own city. It’s not that you shouldn’t buy any stocks of your own employer, it’s more that you should...
by Longdog
Sat Aug 04, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: How are muni rates determined?
Replies: 25
Views: 1779

Re: how are muni rates determined?

leftcoaster wrote:
Sat Aug 04, 2018 7:01 pm
Where can I find the ratings from Moody’s for a city rather than a particular issue?
If the particular issue is a general obligation (GO) bond of the city, they will be one and the same.
by Longdog
Sat Aug 04, 2018 6:30 pm
Forum: Investing - Theory, News & General
Topic: Invest in Tesla?
Replies: 330
Views: 25967

Re: Invest in Tesla?

For anyone considering purchasing or shorting TSLA, here is a great dramatization :happy of the TSLA short hypothesis:
https://m.youtube.com/watch?time_contin ... xEClGh6Mus
by Longdog
Mon Jul 23, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Dealing with HOA Notice
Replies: 118
Views: 10087

Re: Dealing with HOA Notice

There is a federal rule regarding placement of antennas and satellite dishes which may supersede the HOA regulations. Look it up and if it applies, use that reference to dispute the satellite dish. That won’t help with the window A/C. Strange that they would say no violations when you moved in, but ...
by Longdog
Fri Jul 20, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: How should I move my taxable account from Fidelity to Vanguard?
Replies: 5
Views: 573

Re: How should I move my taxable account from Fidelity to Vanguard?

If you have an emergency fund with sufficient funds, you could simultaneously sell the Fidelity funds and buy VTSAX at Vanguard using the emergency fund as a short-term liquidity fund that will get replenished within a day or two from the proceeds of your Fidelity transaction.
by Longdog
Thu Jul 19, 2018 4:00 am
Forum: Personal Finance (Not Investing)
Topic: Should I get a warranty for my new glasses?
Replies: 24
Views: 1427

Re: Should I get a warranty for my new glasses?

Are these your first set of glasses? If not, use your past experience with scratching or damaging glasses as your guide. If it’s never been an issue before, there’s no reason to expect it to be an issue now.
by Longdog
Mon Jul 09, 2018 11:47 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 112858

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

:confused https://www.fueleconomy.gov/feg/Find.do?action=sbs&id=39786&id=39836 As I'm sure you are aware, "long-range" is an option for the model 3. But even the long-range M3 only has 30% more range than the Bolt. I'm not sure how significant a difference that really is, to be honest. I'm having d...
by Longdog
Mon Jul 09, 2018 4:12 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 112858

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

:confused https://www.fueleconomy.gov/feg/Find.do?action=sbs&id=39786&id=39836 As I'm sure you are aware, "long-range" is an option for the model 3. But even the long-range M3 only has 30% more range than the Bolt. I'm not sure how significant a difference that really is, to be honest. I'm having d...
by Longdog
Thu Jul 05, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 112858

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

This is where context matters. A gas tank is more convenient on a road trip. But for me at least, 90-95% if my travels are not road trips and thus, charging at home and waking up each morning to a “full tank” is more convenient. Again, context matters. Exactly. I agree, waking up to a "full tank" i...
by Longdog
Thu Jul 05, 2018 5:59 am
Forum: Investing - Help with Personal Investments
Topic: How to sell shares purchased at different times?
Replies: 5
Views: 631

Re: How to sell shares purchased at different times?

Choose Specific ID as your cost basis method. If, however, these are in retirement accounts, then it doesn’t matter.
by Longdog
Wed Jul 04, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 112858

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

Tesla has now responded to the reports that it suspended its brake-and-roll testing. In short, the identical test was actually performed twice, the second time as part of the on-track testing procedure. Currently all Model 3 vehicles undergo the on-track testing, so the test that was part of that pr...
by Longdog
Wed Jul 04, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: Switch to LT bonds in this falling rate environment?
Replies: 44
Views: 3430

Re: Switch to LT bonds in this falling rate environment?

Sure, if you’re confident in your prediction. Yours is the first post I’ve seen claiming we’re now in a falling interest rate environment. Maybe you’re ahead of the game. The Fed, which control short term rates, has signaled gradual rate increases over the next year or so. I will point out that this...
by Longdog
Wed Jul 04, 2018 6:23 am
Forum: Personal Finance (Not Investing)
Topic: Health Care in "Early" Retirement
Replies: 50
Views: 5195

Re: Health Care in "Early" Retirement

Even if the law remains unchanged, I don’t think you can just jump into number 2 outside of the enrollment period, which means if something happens requiring medical care, you’d have to ride it out until the end of the current year before the new coverage would kick in, and it’s unknown if the docto...
by Longdog
Tue Jul 03, 2018 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4663

Re: Will I ever be able to itemize?

If the primary reason that you purchased a house, when you would have been perfectly happy to rent, was because doing so would reduce your tax burden, then yes you’re being screwed. If you’d have made that purchase anyway, without regard to the tax implications, then no you are not. So, it depends o...
by Longdog
Tue Jul 03, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 112858

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

I’m curious why the structure surrounding an assembly line matters. Is there some characteristic of a fully enclosed factory floor that is not present in a more open structure? There is ZERO chance that a modern auto assembly line is within that tent. It's gotta be a circus in there. Modern auto as...
by Longdog
Tue Jul 03, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 112858

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

I'll let my Tesla posts speak for themselves. I have posted positive and negative comments regarding Tesla that may help make a buy, or not buy decision. I'll bet nobody has a more balanced view. Tesla fans simply will not tolerate negative views. Sad indeed. Someone suggested only Tesla owners sho...
by Longdog
Sat Jun 30, 2018 8:43 am
Forum: Investing - Theory, News & General
Topic: Ownership of Vanguard Funds and Underlying Stocks
Replies: 6
Views: 648

Re: Ownership of Vanguard Funds and Underlying Stocks

It's kind of like condo ownership. You own a proportionate share of all the underlying holdings. The expense ratio is like an annual maintenance fee.
by Longdog
Fri Jun 29, 2018 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 1.80%]
Replies: 242
Views: 40964

Re: ALLY BANK savings account RATE increase 1.75%

I suspect Ally is seeing a lot of outflows and is trying to stem the tide
by Longdog
Fri Jun 29, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: What is your one favorite Fidelity Fund??
Replies: 59
Views: 6160

Re: What is your one favorite Fidelity Fund??

Magellan from the 1980s, under the stewardship of Peter Lynch
by Longdog
Wed Jun 27, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 112858

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

We just configured / ordered the AWD Model 3 (non-performance). The AWD option just became available to us earlier today, and it was reduced to $4000 instead of $5000. The delivery estimate as configured is September to November. It looks like the Performance option for AWD would have moved up the ...
by Longdog
Fri Jun 22, 2018 7:40 am
Forum: Personal Consumer Issues
Topic: Did you celebrate when you finally hit $1m?
Replies: 209
Views: 22371

Re: Did you celebrate when you finally hit $1m?

I made a mental note of it, couldn't believe I had done that, but soon realized it didn't change anything for me and continued on with my life.
by Longdog
Wed Jun 20, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: To take or not to take delivery of Tesla 3
Replies: 1326
Views: 112858

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

It's great that they are adding superchargers, but let's not call one 8-car supercharger per town "very impressive". How about just "nice" I don't own a Tesla, but I have to disagree. They now have over 10,000 chargers at 1261 stations. To me that IS impressive. Which other charging system has that...
by Longdog
Mon Jun 18, 2018 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: New to VG. Tax hit on trsfr of proprietary fund?
Replies: 10
Views: 814

Re: New to VG. Tax hit on trsfr of proprietary fund?

The fund was in a taxable account, not an IRA. When I said it "dropped to earth", I meant that according to my new understanding, it became a taxable event when liquidated. I was not expecting that. I'm in a low tax bracket with a gross income of $34,000, including Social Security. This makes it lo...
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: 29
Views: 3231

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