Search found 68 matches

by DallasGuy
Mon Sep 07, 2015 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Question [Tax Loss Harvesting]
Replies: 5
Views: 405

Re: TLH Question [Tax Loss Harvesting]

Any idea how quickly VG changes dividend/capital gain distribution elections? Is it T+1 or does it take longer? I anticipate that VTSAX will distribute dividends around 9/23. If I submit the change by 9/18, will it take effect by 9/23?
by DallasGuy
Mon Sep 07, 2015 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Question [Tax Loss Harvesting]
Replies: 5
Views: 405

Re: TLH Question [Tax Loss Harvesting]

I have not purchased VTSAX shares within an IRA (mine/wife's) within the last 31 days. However, that reminds me that I need to turn off automatic reinvestment of the VTSAX dividends/capital gains within the IRA as well.
by DallasGuy
Mon Sep 07, 2015 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Question [Tax Loss Harvesting]
Replies: 5
Views: 405

Re: TLH Question [Tax Loss Harvesting]

P.S. - I know that if I TLH, I will also need to (a) turn off the automatic monthly investment into VTSAX and (b) turn off automatic reinvestment of capital gains and dividends.
by DallasGuy
Mon Sep 07, 2015 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Question [Tax Loss Harvesting]
Replies: 5
Views: 405

TLH Question [Tax Loss Harvesting]

I may harvest some losses in VTSAX this coming week. Before doing so, I want to make sure that I do not run afoul of the wash sale here. Here is where I stand right now: 9/1: liquidated a position in VTSAX within my IRA 9/1: automatic monthly purchase of $500 worth of VTSAX in my taxable account If ...
by DallasGuy
Tue Dec 23, 2014 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Should my work associates be worried? [Pension plan]
Replies: 16
Views: 3984

Re: Should my work associates be worried?

Thanks everyone....I am getting a very good education reading all these responses. I've been forwarding these responses to my work associates who are affected by this recent changes. I applied for and got my first MetLife pension deposit 20 months ago and am very happy with how MetLife provides mon...
by DallasGuy
Sun Oct 26, 2014 9:00 am
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 400
Views: 80482

Re: "Vanguard converting mutual fund accounts to brokerage?

Does anyone know if there is a minimum balance required for the sweep account?

My prior understanding (which may have been incorrect?) is that you had to maintain a $3,000 Money Market balance to have a brokerage account.
by DallasGuy
Sat Sep 06, 2014 12:52 pm
Forum: Investing - Theory, News & General
Topic: MD/MBA Investing Opportunities
Replies: 23
Views: 3162

Re: MD/MBA Investing Opportunities

I would think that your background may set you up well to become a medical director for a large corporate enterprise or an insurance company. Medical directors typically focus on improving the health of a broad population rather than individual patients. In my experience, many of these individuals h...
by DallasGuy
Fri Jul 25, 2014 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Personal finance podcast to replace Marketplace Money?
Replies: 19
Views: 3732

Re: Personal finance podcast to replace Marketplace Money?

I listen to Paul Merriman's podcast. It's okay, but he talks incessantly about his Ultimate Buy and Hold strategy.
by DallasGuy
Sun Jun 29, 2014 11:23 am
Forum: Investing - Theory, News & General
Topic: Managing AA Targets between Taxable and Tax-Advantaged
Replies: 11
Views: 1381

Re: Managing AA Targets between Taxable and Tax-Advantaged

I would ask how contingent your early retirement is on the performance of the stock market over the next few years. If you are dead set on retirement in five years then you may want a taxable liability-matching portfolio locked in now. On the other hand, if an additional five years of market exposu...
by DallasGuy
Sat Jun 28, 2014 3:23 pm
Forum: Investing - Theory, News & General
Topic: Managing AA Targets between Taxable and Tax-Advantaged
Replies: 11
Views: 1381

Re: Managing AA Targets between Taxable and Tax-Advantaged

The reason that the split AA works is that you can reallocate. If your tax-advantaged portfolio is all stock, and you want to spend $100K while keeping your 60% stock allocation, you can sell $100K in stock in your taxable account, and move $40K from stock to bonds in your retirement account. Likew...
by DallasGuy
Fri Jun 27, 2014 4:37 pm
Forum: Investing - Theory, News & General
Topic: Managing AA Targets between Taxable and Tax-Advantaged
Replies: 11
Views: 1381

Managing AA Targets between Taxable and Tax-Advantaged

I have traditionally looked at all accounts (taxable and tax-advantaged) on a combined basis when establishing and monitoring my preferred asset allocation. Recently, I have begun to wonder if individuals should have separate asset allocations for taxable and tax-advantaged if they (a) have signific...
by DallasGuy
Sat Apr 26, 2014 10:04 am
Forum: Investing - Help with Personal Investments
Topic: enough to retire?
Replies: 33
Views: 12093

Re: enough to retire?

Hello and welcome to the forum! Timely post. Read this post by Paul Merriman on CBS Marketwatch, pay particular attention to his tables and what happens when you draw more than 4% from a portfolio in retirement, even if it is diversified or if it holds less than 30-40% in equities. m Paul's one of ...
by DallasGuy
Sat Apr 12, 2014 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Another After-Tax 401k to Roth IRA Question
Replies: 2
Views: 372

Another After-Tax 401k to Roth IRA Question

1) Can the amount of an after-tax 401k to Roth IRA rollover be withdrawn from the Roth IRA any anytime without incurring the 10% penalty? My understanding is that the answer is "yes", but just want to confirm. 2) Will there be a limit on the number of such rollovers than an individual may ...
by DallasGuy
Sun Jan 12, 2014 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Good/ enjoy math, but dislike programming: College major?
Replies: 65
Views: 7334

Re: Good/ enjoy math, but dislike programming: College major

Actuarial Science - if he can pass a couple exams while in school, finding a job should not be an issue. The exams are difficult and it takes 5-10 years to get through them all, but companies provide study time, pay for materials, and provide salary increases and/or bonuses for each exam.
by DallasGuy
Sat Jan 04, 2014 9:52 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Method: Current Balance vs New Contributions
Replies: 2
Views: 351

Rebalancing Method: Current Balance vs New Contributions

Is there any downside to rebalancing your current balance within tax advantaged accounts (e.g., roth or rollover IRA's) rather than using new contributions to rebalance over time?
by DallasGuy
Sat Dec 28, 2013 9:05 am
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 160
Views: 21562

Re: Bogleheads 2014 Hedge fund contest

LOng|ShorT Capital Partners

Long
FB
GOOG

Short
MITT
ANH
by DallasGuy
Sun Sep 22, 2013 11:22 am
Forum: Investing - Theory, News & General
Topic: Rebalancing - What to do about fixed income?
Replies: 18
Views: 1665

Re: Rebalancing - What to do about fixed income?

I personally would lean toward SV. What rate is your SV fund paying? What is the ratio of your SV to your bond funds, and what is the average maturity or duration of your bond funds? Kevin - SV has returned 0.71% YTD through August 2013. - Currently SV makes up only 3% of my fixed income portfolio....
by DallasGuy
Sat Sep 21, 2013 10:11 am
Forum: Investing - Theory, News & General
Topic: Rebalancing - What to do about fixed income?
Replies: 18
Views: 1665

Rebalancing - What to do about fixed income?

I'm in the process of rebalancing my portfolio and I'm wondering how I should rebalance fixed income. Back in late May I made a strategic decision to shorten the duration of my bond portfolio, which has been favorable thus far. At that time I also decided to allocate future contributions in my 401k ...
by DallasGuy
Sat Sep 14, 2013 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: After tax 401k to Roth strategy
Replies: 10
Views: 5025

Re: After tax 401k to Roth strategy

I came across this very detailed article which makes this seem contentious still. m As more and more baby boomers retire, an increasingly popular strategy is to split pre- and after-tax funds in a 401(k) at retirement, with the goal of rolling over the pre-tax funds into an IRA, and converting the ...
by DallasGuy
Sat Sep 07, 2013 9:52 am
Forum: Personal Finance (Not Investing)
Topic: Which Pension choice should I make?
Replies: 13
Views: 1451

Re: Which Pension choice should I make?

A 4% annual withdrawal on 500k is 20k; much less than the annual annuity amount.
by DallasGuy
Tue Jun 04, 2013 9:14 pm
Forum: Investing - Theory, News & General
Topic: Purchase fee eliminated for Vanguard Short Term TIPS fund
Replies: 19
Views: 2271

Fee eliminated for VG short-term TIPS fund (VTAPX/VTIPX)

Not sure if this has been posted yet or not, but just in case... [Yes, it has. I merged this thread into the first one. See below. --admin LadyGeek] m Vanguard is eliminating the 0.25% purchase fee for Investor, Admiral, and Institutional Shares of Vanguard Short-Term Inflation-Protected Securities ...
by DallasGuy
Fri Oct 19, 2012 2:27 pm
Forum: Personal Consumer Issues
Topic: Home Office Furniture
Replies: 14
Views: 2495

Re: Home Office Furniture

Thanks everyone for the ideas. I have some Ikea furniture already and, although I thought it would be cheap and flimsy at first glance, it has held up fairly well. So, maybe I'll make a stop there and see what I can find. I might try Costco as well.
by DallasGuy
Wed Oct 17, 2012 6:11 pm
Forum: Personal Consumer Issues
Topic: Home Office Furniture
Replies: 14
Views: 2495

Home Office Furniture

Does anyone have suggestions on the best places to purchase home office furniture? In about a month I am going to begin working for home, and I'll need to furnish a rather large room in my house. Probably need a desk, bookshelves, chairs, filing cabinet, etc. Wanting something that looks nice, but d...
by DallasGuy
Wed Sep 19, 2012 8:41 pm
Forum: Personal Finance (Not Investing)
Topic: Home Purchase - First Internet Bank?
Replies: 2
Views: 630

Home Purchase - First Internet Bank?

I've read a lot of good things about First Internet Bank on the boards, but it seems like most people have used them for refi's. Has anyone used them for a home purchase? Our Realtor is suggesting that we use a local lender that he has used numerous times in the past, but, based on the online quotes...
by DallasGuy
Sat May 19, 2012 9:31 am
Forum: Personal Finance (Not Investing)
Topic: uh oh - CPA indicted
Replies: 30
Views: 3580

Re: uh oh - CPA indicted

Fool me once, shame on you. Fool me twice, shame on me.

Time to look for a new CPA now, otherwise you may wish you had.
by DallasGuy
Sat Apr 28, 2012 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken vs. Moneydance
Replies: 16
Views: 11565

Re: Quicken vs. Moneydance

FinanceFun wrote:http://Www.mint.com

The best.


I concur.
by DallasGuy
Sat Apr 28, 2012 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Funny Exchange at recent "Financial Seminar"
Replies: 33
Views: 3417

Re: Funny Exchange at recent "Financial Seminar"

I find it rather annoying actually. Why would someone who clearly knows better go to a "financial seminar"? It seems like he went just to be a pain in the ass. I mean, I would never buy any of these financial products/services from these crooks, but I'd also never waste my time going to o...
by DallasGuy
Sun Oct 09, 2011 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Am I Crazy to Pay Off My Mortgage?
Replies: 71
Views: 10072

Call_Me_Op wrote:
exeunt wrote:Honestly, yes. I think you are crazy. Expected returns from equities, especially European, are far higher than 2.27%.


The problem is "expected returns" do not equal actual returns - and there can be a huge divergence between the two.


+1
by DallasGuy
Mon Jul 04, 2011 6:33 pm
Forum: Investing - Theory, News & General
Topic: My Personal Index - Now a Standalone Application
Replies: 184
Views: 70381

I am unable to save file in the Mac version. I get the following error:
Could not save to /Volumes/NO NAME/Investing/test.mpi!
by DallasGuy
Sat Jun 25, 2011 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Jobs/ Careers without travel?
Replies: 18
Views: 7015

You need to provide more background in order to receive responses of value. Right now people are just throwing out hypotheticals because they do not know what industry you work in. That said, I understand where you are coming from. I spent nearly 4 years out of college working for a consulting firm ...
by DallasGuy
Sun Jun 19, 2011 10:10 am
Forum: Investing - Theory, News & General
Topic: Orman says "No to Target Funds"
Replies: 101
Views: 13911

Perhaps Suzi doesn't understand bond fund duration. Mel -- I don't understand your comment. In fact, I think it is the exact opposite...Suze presumably has some understanding of duration because her premise is that rates will rise and market prices of bonds and bond funds will fall in proportion to...
by DallasGuy
Sun Jun 19, 2011 10:07 am
Forum: Investing - Theory, News & General
Topic: Orman says "No to Target Funds"
Replies: 101
Views: 13911

This seems like it may be a common theme among personal finance "gurus", as Dave Ramsey espouses similar beliefs (although he has always advocated a 100% stock portfolio). Rather than just criticizing their points of view, I think it would be worthwhile if the Boglehead community were to p...
by DallasGuy
Sun Jun 19, 2011 9:44 am
Forum: Investing - Theory, News & General
Topic: Capital One to acquire ING Direct
Replies: 52
Views: 11737

The only thing currently keeping me at ING Direct right now is the ability to easily open savings sub-accounts. If Capital One gets rid of this or if another online bank (such as Ally) begins offering this feature, then I plan on leaving.
by DallasGuy
Sun Jun 19, 2011 9:41 am
Forum: Investing - Theory, News & General
Topic: Read any good online articles or blogs lately?
Replies: 7
Views: 1020

While usually not personal finance related, I can usually always find an interesting article to read on the New Yorker's website.
by DallasGuy
Mon May 30, 2011 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Pay down student loans or Roth IRA?
Replies: 16
Views: 2328

Re: Pay down student loans or Roth IRA?

I'm 29, and a month ago I owed $3500 on my car (8.5%), $3000 on my credit cards (6%), and $10,000 on student loans (5.1%). I also had about $2000 in savings. Due to some stock options cashing out, I'm about to get between 10 and $12,000 at the beginning of June. I cashed out about $5500 last week, ...
by DallasGuy
Mon May 30, 2011 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: $29K-$120K [salary ranges of college degrees]
Replies: 58
Views: 7894

I don't want to overstep any boundaries, but in another thread the OP (mickeyd) has indicated that his son works for the USAF and is in cybersecurity. Considering the job, 90k doesn't seem to be out of line. You are very observant. I'm sure that your son will appreciate the fact that you shared his...
by DallasGuy
Sun Jan 02, 2011 3:50 pm
Forum: Investing - Theory, News & General
Topic: 2011 BOGLEHEAD CONTEST REGISTRATION
Replies: 374
Views: 35296

1321.01
by DallasGuy
Sun Dec 05, 2010 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey's ELP suggests Loaded Funds
Replies: 124
Views: 27525

I think most people have hit the nail on the head here. Dave Ramsey helps a lot of people, but his investment advice is terrible. That said, it's unfortunate to see so many comments questioning Dave's character; there's quite a difference between making rational arguments against his methodology and...
by DallasGuy
Sat Nov 13, 2010 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Why Does David Swensen Recommend 15% Real Estate?
Replies: 46
Views: 10015

What about factoring in real estate that you own? Should that be included in this 15%?
by DallasGuy
Tue Aug 31, 2010 9:12 am
Forum: Personal Consumer Issues
Topic: iPhone App for this forum?
Replies: 8
Views: 1734

iPhone App for this forum?

Is there an iPhone app that will allow you to browse the posts on this forum? I tried TouchBB, but it didn't work. I'm guessing that there isn't, but I was just wondering if someone out there may have found something.
by DallasGuy
Sat Jul 17, 2010 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: DB Pension: Annuity or Lump Sum, given PBGC troubles?
Replies: 20
Views: 3332

The PBGC only takes over a pension plan if the employer files for bankruptcy which aint going to happen in this case. This is not true. The PBGC can take over plans via an involuntary termination for any of the following reasons: * the plan has not met the minimum funding requirements; * the plan c...
by DallasGuy
Sun Jul 11, 2010 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Another Roth IRA Conversion Question
Replies: 11
Views: 1737

Another Roth IRA Conversion Question

I understand that if you convert a traditional IRA to a Roth IRA in 2010 you can delay payment of taxes on that conversion until 2011 and 2012. But, does the conversion get reflected in your 2010 MAGI and you just pay the tax in 2011/2012 OR does the conversion get reflected in your 2011/2012 MAGI? ...
by DallasGuy
Mon Mar 01, 2010 10:09 am
Forum: Personal Consumer Issues
Topic: Any Boglehead Fantasy Baseball Fans?
Replies: 9
Views: 1411

Any Boglehead Fantasy Baseball Fans?

Just wondering if there might be interest in a Boglehead Fantasy Baseball league. If interested, just post a reply and we can sort out the details of the league if enough people are interested.
by DallasGuy
Sat Nov 14, 2009 10:09 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Financial Advisor Recommendation
Replies: 21
Views: 4548

You mentioned that you do not want actively managed funds, but you may want to consider using some combination of Wellington and Wellesley. Both have very low expense ratios and a conservative approach.
by DallasGuy
Fri Nov 06, 2009 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Need some help
Replies: 2
Views: 1018

Anyone have any thoughts?
by DallasGuy
Wed Nov 04, 2009 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Need some help
Replies: 2
Views: 1018

Need some help

Ok
by DallasGuy
Fri Oct 23, 2009 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Lump Sum Calculation Help
Replies: 8
Views: 2049

I agree with Harold, your lump sum likely decreased due to a change in the interest rates from GATT to PPA. Francis - If you would like a professional to review your calculation, the American Academy of Actuaries has a program called the Pension Assistance List (m) where you can contact them, explai...
by DallasGuy
Fri Oct 23, 2009 4:19 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Defined Benefit Plan
Replies: 23
Views: 5354

1. Yes, defined benefit plan funding is covered in IRC Section 430. An actuary would be responsible for calculating the minimum contribution and the maximum deductible contribution. Charles Schwab (or their actuarial consultant) would not be able to give you a reasonable estimate of what the maximum...