Search found 1090 matches

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: 1260

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: 1075

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: 4067

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: 969

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: 573

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: 1123

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: 3659

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: 1723

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: 1723

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: 1723

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: 25072

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: 9790

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: 531

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: 1369

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: 109390

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: 109390

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: 109390

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: 605

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: 109390

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: 3338

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: 5055

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: 4542

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: 109390

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: 109390

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: 616

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: 220
Views: 35764

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: 5579

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: 109390

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: 21918

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: 109390

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: 780

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: 2937

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: 9265

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: 16
Views: 973

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: 16
Views: 973

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: 16
Views: 973

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: 1326
Views: 109390

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: 1326
Views: 109390

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: 41
Views: 4554

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: 41
Views: 4554

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: 657

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: 4213

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: 1127

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: 1127

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: 4328

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: 62
Views: 5020

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: 2107

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: 2107

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...