Search found 563 matches

by The529guy
Mon Feb 12, 2018 12:37 pm
Forum: Personal Consumer Issues
Topic: I’m not renewing my Costco membership.
Replies: 80
Views: 7093

Re: I’m not renewing my Costco membership.

This thread makes me so grateful for our Costco.

Ours is so close that we joke about recovering the annual membership fee with all of our 2-gallon milk purchases for $4.
by The529guy
Mon Feb 12, 2018 10:02 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 45
Views: 4303

Re: Replacement for Google Finance price quote function

Epsilon Delta wrote:
Sun Feb 11, 2018 1:46 pm
From my experience programming and in quality control I would say these are the type of things that really should be encapsulated in a visual basic function (or google app srcript).
Sounds great. Can you show us how?
by The529guy
Sun Feb 11, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help choosing 401k options
Replies: 12
Views: 818

Re: Help choosing 401k options

Welcome! To echo JamesSFO, spell them out, please.

With that said, you've built a decent 3-fund portfolio with your options. Could you tell us how much the SVF-N yields?
by The529guy
Fri Feb 09, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Buying a rental house. Pay cash or mortgage?
Replies: 21
Views: 1661

Re: Buying a rental house. Pay cash or mortgage?

This may not be intuitive with the latest tax law changes on pass through income, and by running a business you may be eligible to make additional retirement account contributions. It's my understanding that income generated from rental properties is generally considered passive/unearned, preventin...
by The529guy
Sun Feb 04, 2018 12:43 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 45
Views: 4303

Re: Replacing Google Finance price quote function

I don't suppose there's a way to tweak it to return the YTD performance instead of the share price? (I couldn't find a YTD quote listed on the marketwatch site.) I'm tracking a few mock mutual fund portfolios, and it's easier to use the YTD info so I don't have to worry about adjusting for dividend...
by The529guy
Sat Feb 03, 2018 11:59 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 45
Views: 4303

Re: Replacement for Google Finance price quote function

Thank you for the heads up 529. I would have had no prayer of figuring this out by myself. For some reason I get an error if the price of the fund is less than $10.00, so in that case I use BH13's technique for Vanguard funds. Dale Dale, great catch! Try adjusting the final number in the function f...
by The529guy
Sat Feb 03, 2018 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 45
Views: 4303

Re: Replacing Google Finance price quote function

I don't suppose there's a way to tweak it to return the YTD performance instead of the share price? (I couldn't find a YTD quote listed on the marketwatch site.) I'm tracking a few mock mutual fund portfolios, and it's easier to use the YTD info so I don't have to worry about adjusting for dividend...
by The529guy
Sat Feb 03, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 3972

Re: Amazon Stock - Can this giant be stopped?

At the end of 2017, Amazon was 1.7% of VTSAX, its fourth largest holding.

Maybe more now?
by The529guy
Sat Feb 03, 2018 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 45
Views: 4303

Re: Replacement for Google Finance price quote function

p.s. MarketWatch provides a quote for TIAA Real Estate Account using symbol QREARX.
by The529guy
Sat Feb 03, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 45
Views: 4303

Re: Replacement for Google Finance price quote function

BH13 wrote:
Fri Feb 02, 2018 9:56 pm
Any chance you have a daily change function using the marketwatch quote?
Admittedly, I still just use Google Finance with the corresponding Vanguard ETF ticker, since those update throughout the day:

Code: Select all

=googlefinance("VTI", "changepct")
by The529guy
Sat Feb 03, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 45
Views: 4303

Re: Replacement for Google Finance price quote function

Any chance you have a daily change function using the marketwatch quote? Let's look at the original function for the closing NAV and the source itself: =VALUE(Right((Index(ImportHtml(CONCATENATE("http://bigcharts.marketwatch.com/advchart/frames/frames.asp?symb=",B2,"&insttype=Fund"), "table"),3,1))...
by The529guy
Sat Feb 03, 2018 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 45
Views: 4303

Re: Replacing Google Finance price quote function

I don't suppose there's a way to tweak it to return the YTD performance instead of the share price? (I couldn't find a YTD quote listed on the marketwatch site.) I'm tracking a few mock mutual fund portfolios, and it's easier to use the YTD info so I don't have to worry about adjusting for dividend...
by The529guy
Fri Feb 02, 2018 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 45
Views: 4303

Re: Replacing Google Finance price quote function

Yes, real-time in the sense that -- right now at 7:15pm ET -- marketwatch.com returns today's closing NAV and finance.google.com still returns yesterday's closing NAV. And, even though finance.google.com's quote tool returns the NAV from yesterday (Feb 1), its timestamp for the quote says "Jan 31, 7...
by The529guy
Fri Feb 02, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 45
Views: 4303

Replacement for Google Finance price quote function

Lately, I've become increasingly disappointed with Google Finance's slow updates for daily mutual fund NAV quotes in my Google Docs portfolio tracker. Rather than do workarounds with ETF quotes, which are actually up-to-date, I've replaced my Google Finance functions and now pull all fund quotes fro...
by The529guy
Wed Jan 31, 2018 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Healthcare Bank HSA Investments
Replies: 4
Views: 248

Re: Healthcare Bank HSA Investments

Hi there, welcome!

Whatever loads and fees your HSA provider details should affect your HSA funds as advertised, i.e., you will pay them through your holdings.

You will get better advice if you include these fees alongside the options you list above.
by The529guy
Wed Jan 31, 2018 1:05 pm
Forum: Investing - Theory, News & General
Topic: Kinda laughing, kinda mad - Vanguard Personal Investor
Replies: 45
Views: 7874

Re: Kinda laughing, kinda mad - Vanguard Personal Investor

I'd like to propose an 8-step solution that I think will avoid any awkward social interaction. 1. Log into vanguard.com 2. Under the toolbar's "My Accounts" tab, select "Messages" 3. Click on the "COMPOSE" button to create a new message 4. In the "Subject" field, enter "Requesting new PAS advisor" 5...
by The529guy
Mon Jan 29, 2018 2:33 pm
Forum: Investing - Theory, News & General
Topic: Stable Value Fund Classification
Replies: 11
Views: 940

Re: Stable Value Fund Classification

I classify SVF, bonds, and cash as fixed income.
by The529guy
Mon Jan 29, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: what do/did you do with your evenings with a Toddler in winters ?
Replies: 63
Views: 3893

Re: what do/did you do with your evenings with a Toddler in winters ?

Evenings?

Eat dinner and get ready for bed (includes reading a few books). That seems to take up the whole evening.
by The529guy
Sat Jan 27, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: On the fence about 401k consolidation
Replies: 4
Views: 376

Re: On the fence about 401k consolidation

The SVF yielding 3% sounds pretty great.
by The529guy
Sat Jan 27, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of skilled casual work is out there (US)?
Replies: 24
Views: 2564

Re: What kind of skilled casual work is out there (US)?

If you truly want "no commitment" work, can always do Mechanical Turk tasks: https://www.mturk.com/get-started

The pay might be an issue, though.
by The529guy
Sat Jan 27, 2018 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: College student co-op, pre-med
Replies: 39
Views: 1526

Re: College student co-op, pre-med

First year: classes 2nd:Fall: classes Spring:work (6months) 3rd Fall:classes Spring: work 4th Fall:classes Spring: work 5th Fall:classes Spring: classes, graduation Out of curiosity, what kind of co-op jobs are you doing / shooting for? Have you strategized around experiences / knowledge that will ...
by The529guy
Fri Jan 26, 2018 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Are 100-year old homes junk?
Replies: 62
Views: 2261

Re: Are 100-year old homes junk?

knightrider wrote:
Fri Jan 26, 2018 2:30 pm
dbltrbl wrote:
Fri Jan 26, 2018 2:25 pm
You answered your question. Location, Location and Location. :D :D :D
Well the location are just "incrementally better", like walking distance to train instead of 1-2 miles drive.
That is a pretty big increment for plenty of people.
by The529guy
Wed Jan 24, 2018 12:05 am
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 77
Views: 9091

Re: The Power of Working Longer

[Thread merged into here, see below. --admin LadyGeek]

This paper is discussed in this thread.
by The529guy
Mon Jan 22, 2018 4:08 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 77
Views: 9091

Re: The Power of Working Longer

With all due respect to the researchers, this sounds like an Assume a can opener study to me. Did you notice their analysis relies on individuals annuitizing all investments upon retirement so they could make an apples-to-apples comparison between 401k savings and SS? How many of you plan to make ma...
by The529guy
Sun Jan 21, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: VNQ ETF -- Taxable? How is it any different than other ETFs?
Replies: 10
Views: 1069

Re: VNQ ETF -- Taxable? How is it any different than other ETFs?

I am reading that VNQ is not tax-friendly or is better off in a tax-sheltered account, how come? I look at all my VNQ transaction history and I don't see anywhere that I am being taxed? I haven't sold any funds yet... all I see is Dividend and Reinvestment transactions along with Buy of course. Whe...
by The529guy
Sun Jan 21, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: sell one mutual fund and buy another fund in a different fund family in Vanguard Brokerage
Replies: 5
Views: 316

Re: sell one mutual fund and buy another fund in a different fund family in Vanguard Brokerage

mrate wrote:
Sun Jan 21, 2018 5:13 pm
2. What happens to cross fund family trade? For example, sell a VG fund and buy a PIMCO fund (mostly I'm doing this in bond funds).
To echo PFInterest, can you tell us more about why you'd buy a PIMCO fund at Vanguard?
by The529guy
Sun Jan 21, 2018 10:14 am
Forum: Local Chapters and Bogleheads Community
Topic: My daughter got her dream job [Proud Papa]
Replies: 39
Views: 3440

Re: My daughter got her dream job

Congratulations on your daughter's success! She is lucky to have you.
by The529guy
Wed Jan 17, 2018 5:56 pm
Forum: Investing - Help with Personal Investments
Topic: Solo 401k options
Replies: 7
Views: 432

Re: Solo 401k options

The fee is like 500 to set up + 100 per year I believe. Unless you have very special needs, you shouldn't have to pay any fees or ongoing maintenance costs to have a solo401k. You mentioned "loans". It is highly dis-recommended to take loans from your 401k plan. It looks like the OP is interested i...
by The529guy
Tue Jan 16, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Best choices in horrible (IMO) 401k plan
Replies: 15
Views: 613

Re: Best choices in horrible (IMO) 401k plan

Not great, but the S&P 500 fund is a fine choice for a 401k plan. Just put everything in there. Hold bonds and international in your separate Roth accounts where you can buy whatever you like. No need to hold multiple funds in every account. Your portfolio can be treated as one. +1 You could check ...
by The529guy
Tue Jan 16, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Considering PhD...but so much to consider...
Replies: 51
Views: 3580

Re: Considering PhD...but so much to consider...

OP: If money is the goal, you will do far better by simply doing an MBA on top of your M.Ed. It will take two years to complete. Make sure to select a reputable program. If you go for PhD for the money, those five years will be very long. If you do PhD for the personal fulfillment, you will not rea...
by The529guy
Mon Jan 15, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: Questions about salary expectations/negotations
Replies: 13
Views: 1454

Re: Questions about salary expectations/negotations

I would not use “assistant professor in psychology” as the benchmark here. Your husband needs to think of himself as a dude with 10 years of marketing research experience who now has a PhD in psychology and an expanded range (hopefully) of data collection and analysis skills. If he needs $100k+, he ...
by The529guy
Mon Jan 15, 2018 11:36 am
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 222
Views: 37745

Re: Bonds - Throw it all on the table!!!

This morning I thought I'd revisit one of my favorite posts.

70/30, with the 30% across:

55% TIAA Traditional - 403b
33% Stable Value Fund - 401k
12% Vanguard California Long-Term Tax-Exempt Fund (VCITX) - taxable
by The529guy
Sun Jan 14, 2018 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Rolling old Roth IRAs to 529s
Replies: 22
Views: 833

Re: Rolling old Roth IRAs to 529s

Um, the first line you said "no. leave them alone". If I read that sentence correctly, and please tell me if I didn't, your advice was not to fund their college and let the children borrow for college. I don't think the post is saying what you think it's saying. The OP stated that they have overstu...
by The529guy
Sat Jan 13, 2018 6:48 pm
Forum: Personal Consumer Issues
Topic: Costco laminate flooring
Replies: 7
Views: 1356

Costco laminate flooring

Over the past couple years, laminate flooring from Costco has been mentioned here a few times: - "Luxury" Vinyl vs Laminate flooring? - Laminate flooring that looks like hardwood - Rental flooring decision Is anyone able to share additional recommendations for/against Harmonics laminate flooring (du...
by The529guy
Sat Jan 13, 2018 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Work status changing in a month? Will no longer have individual 401k option...question.
Replies: 3
Views: 252

Re: Work status changing in a month? Will no longer have individual 401k option...question.

I'm going from a 1099 to a W-2 in the next 4-6 weeks and it's unlikely I'll be able to contribute to the company 401k for 12 months. If it were you, would you try to make out the individual 401k before the change seeing as I may not have another 401k option in 2018? Anything I'm missing here? First...
by The529guy
Sat Jan 13, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Rolling old Roth IRAs to 529s
Replies: 22
Views: 833

Re: Rolling old Roth IRAs to 529s

Since you have $800k saved for retirement, I assume some of that may be in taxable accounts (?). Why not take $30k from a taxable account to contribute to these 529 accounts instead?
by The529guy
Sat Jan 13, 2018 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: New Employer New 401K
Replies: 4
Views: 329

Re: New Employer New 401K

What's in the Wells Fargo target 2050 CIT Class 3 blend?
by The529guy
Fri Jan 12, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: AirBnB my Van?
Replies: 29
Views: 2697

Re: AirBnB my Van?

jucor wrote:
Fri Jan 12, 2018 5:47 pm
emanuel_v19 wrote:
Fri Jan 12, 2018 5:14 pm
Hello,

I am curious, do any of you rent a vehicle through AirBnB? That is, for someone to actually sleep in it and not drive it.

Is this possible?

Or are there other forms or ways I can rent it without using AirBnB?
Is your van by the river? :?
Classic
by The529guy
Fri Jan 12, 2018 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Navy Fed CU eligibility: advice
Replies: 7
Views: 480

Re: Navy Fed CU eligibility: advice

Your friend is not eligible. Navy Federal does not work like USAA. I had a Navy Federal account when I was in the service. I closed my account when my enlistment was up because there were no branches nearby my home and the internet did not exist as it does today. So now, I'm not eligible because I'...
by The529guy
Thu Jan 11, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Any downside to paying with HSA?
Replies: 21
Views: 1799

Re: Any downside to paying with HSA?

nobodyukno wrote:
Wed Jan 10, 2018 10:30 am
My wife does per diem work so does not have access to a 401k.
Is she eligible to open a solo 401k (if desired)?
by The529guy
Thu Jan 11, 2018 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: What career related challenges can one pursue after age 40?
Replies: 13
Views: 1483

Re: What career related challenges can one pursue after age 40?

I think I'm hitting a mid-life crisis, or something like that. For much of my life, I have been pursuing goals in life. Graduating from high school. Graduating from college. Obtaining a professional license. Graduating from graduate school. Landing a dream job. Getting married. Having kids. Buying ...
by The529guy
Thu Jan 11, 2018 12:39 pm
Forum: Investing - Theory, News & General
Topic: Opening New 529 Plan--Specifically to TLH
Replies: 3
Views: 191

Re: Opening New 529 Plan--Specifically to TLH

From the Wiki: Losses on 529 plan investments If you have a loss on your investment in a 529 account, you may be able to take the loss on your income tax return. You can take the loss only when all amounts from that account have been distributed and the total distributions are less than your unreco...
by The529guy
Mon Jan 08, 2018 1:36 am
Forum: Local Chapters and Bogleheads Community
Topic: DD just got married !
Replies: 39
Views: 4140

Re: DD just got married !

Congratulations to the OP!
by The529guy
Wed Jan 03, 2018 1:35 am
Forum: Investing - Help with Personal Investments
Topic: First HSA: Any Hints, Tips Or Tricks?
Replies: 6
Views: 704

Re: First HSA: Any Hints, Tips Or Tricks?

I save and backup electronic copies of my insurer's Explanation of Benefits statements and my HSA's transaction history for the year.
by The529guy
Tue Jan 02, 2018 11:13 pm
Forum: Investing - Theory, News & General
Topic: How to compute tax-equivalent yield on muni bonds?
Replies: 17
Views: 1212

Re: How to compute tax-equivalent yield on muni bonds?

Vanguard's taxable-equivalent calculator uses SEC yields.
by The529guy
Mon Jan 01, 2018 10:16 am
Forum: Investing - Help with Personal Investments
Topic: HSA - Californians
Replies: 13
Views: 965

Re: HSA - Californians

Invest.
by The529guy
Sun Dec 31, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: 403b Plan w/not great options. Is BASMX decent enough to survive on?
Replies: 8
Views: 382

Re: 403b Plan w/not great options. Is BASMX decent enough to survive on?

dusk2k2 wrote:
Sat Dec 30, 2017 6:44 pm
I work for small non-profit organization
Since it's small, is there a potential way you can suggest to the right folks that the plan stinks? Or is the advisor guy the exec director's brother-in-law?
by The529guy
Sat Dec 30, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with Vanguard Nevada 529 Plan
Replies: 5
Views: 614

Re: Experience with Vanguard Nevada 529 Plan

Thanks. Doesn't each portfolio/fund require $3k minimum to open in the first place? Minimum investment is $3k to open an account, but after that you can direct future contributions as desired. I started my current position in the Aggressive Growth Portfolio (per my allocation for future contributio...