Search found 168 matches

by subham
Mon Aug 01, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Microsoft is still offering free Windows 10 upgrades
Replies: 42
Views: 3965

Re: Microsoft is still offering free Windows 10 upgrades

Mine was a newer (less than 2 year old) PC and once upgraded to Windows10 has all kinds of problems...for example very often the screen goes dark and only the mouse pointer is visible and no windows pop up. Have to reboot to get out. Is there a way to go back?
by subham
Tue Jul 05, 2016 5:29 pm
Forum: Personal Consumer Issues
Topic: Honda extended warranty
Replies: 38
Views: 9860

Re: Honda extended warranty

You definitely don't have to buy HondaCare from the dealer. It's often much cheaper to buy from a out-of-state dealer that sells HondaCare in volume. For example, check out: https://www.saccuccihondacare.com/ http://www.curryhondacare.com/ http://www.collegehillshonda.com/HC.html Eligibility: Honda vehicles must have less than 6,000 miles and be less than 6 months from the original registration date. If you do get a quote, add a post with prices for future BH reference. :) Got a quote from Sacccci very easily: Plans for vehicles under 6,000 miles. Plans start on the day vehicle was first sold, and 0 miles. $0 deductible plans Plan Length 36/45k 48/60k 60/60k 60/100k 60/80k 72/80k 72/100k 72/120k 84/120k 84/100k 84/80k 96/100k 96/120k Base ...
by subham
Tue Jul 05, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Honda extended warranty
Replies: 38
Views: 9860

Re: Honda extended warranty

May be responding to a very old thread, but would appreciate if anyone can help out with info!

I bought a new Odyssey and declined the extended warranty at the dealer who was quoting $2000 for a "6 year/100k mi" option.

Is there a way to purchase Honda Care now?
by subham
Tue Dec 15, 2015 9:11 pm
Forum: Personal Investments
Topic: Why are we not keeping up with the market?
Replies: 19
Views: 3541

Re: Why are we not keeping up with the market?

I am in same boat, for many years i had pretty random funds in my 401k (got them by talking to friends) and didn't bother with taking responsibility.

Last year I finally pwned up to it and did a major reallocation per VG's advice.

Now i see my return is only 1% compare this to past years where it was much higher.

Good to see feedback here that we are doing the right thing.
by subham
Mon Dec 14, 2015 4:23 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 342
Views: 83748

Re: TLH for absolute dummies [Tax Loss Harvesting]

What is special this week is that VTIAX and VFWAX will pay a distribution (record date is 12/17). There are some nuances about holding periods of shares that pay dividends that will affect your taxes. See, e.g., https://www.bogleheads.org/forum/viewtopic.php?t=174279 If you are going to hold VTIAX for more than 60 days after purchasing, then I would let VTIAX get the distribution instead of VFWAX. Similarly, if you are not going to hold shares of VFWAX for more than 61 days (before/after the dividend), then I would not let VFWAX get the dividend. Since you last purchased shares on 11/10, then you need to count 61 days from 11/10 I think. Hence, selling VFWAX before its record date is probably better. Cool thanks, made the full switch back ...
by subham
Mon Dec 14, 2015 3:10 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 342
Views: 83748

Re: TLH for absolute dummies [Tax Loss Harvesting]

livesoft wrote:I would exchange VFWAX into VTIAX this week if I had losses in VFWAX. There is no need to spread out the losses, plus you will be getting back into the fund I think you prefer to be in.

I am doing a TLH wash-sale experiment as shown in this thread: -> Real-life, real-time wash sale & TLH documented
thanks for rapid response! What is special about this week? Do i have to do it this week only and not procrastinate till next or week after next?
by subham
Mon Dec 14, 2015 2:59 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 342
Views: 83748

Re: TLH for absolute dummies [Tax Loss Harvesting]

Livesoft and other TLH experts: I TLHd all my VTIAX into VWFAX back in 10/14/2015 to harvest ~9% loss. Later on 10/30 and 11/10 I bought some more VWFAX as part of rebalancing. Today I see VWFAX has fallen further and I see a chance for another round of TLH, so could I go ahead and replace it with VTIAX again given that its more than 31 days since last transaction on 11/10? Or should i just wait to do this warly next year to spread out the losses? Thanks Thanks for detailed response. Last year when i was DCing some Bond funds into Stock, i may have triggered wash sales and VG included "W" in the 1099. So I guess it should be all automatic when the time to files taxes. I just exchanged all my VTIAX to VWFAX today and harvest 10% lo...
by subham
Mon Oct 26, 2015 3:33 pm
Forum: Personal Investments
Topic: Help with first tax loss harvest
Replies: 12
Views: 1313

Re: Help with first tax loss harvest

I was in almost same situation as you are but i got into VTIAX over 6 months DCA starting Sept 2014. So far it took a loss of 10% a month ago and i got th itch to tax loss harvest but was paralyzed with all the details. Finally i TLHd into VWFAX last week w/o worrying about the 9/24 DRIP as its a small change in the grand scheme of things. I locked in loss at around 9%. Today VWFAX has gone up and i am glad i did it. I’m looking to do my first ever tax loss harvest, and so want to make sure I’ve understood it correctly. First the basics; I’m expecting negligible capital gains this year, so looking to reduce income tax. Currently in the 33% bracket, living in CA. History: Early 2015: VTIAX bought 9/24: VTIAX dividend auto-reinvested 10/15: M...
by subham
Wed Oct 14, 2015 1:44 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 342
Views: 83748

Re: TLH for absolute dummies [Tax Loss Harvesting]

Thanks for detailed response. Last year when i was DCing some Bond funds into Stock, i may have triggered wash sales and VG included "W" in the 1099. So I guess it should be all automatic when the time to files taxes. I just exchanged all my VTIAX to VWFAX today and harvest 10% losses. Will have to keep an eye on how the losses will be used in tax return and how they will be carried over. Hopefully all of that is automatic as well with Turbotax. Sorry to hijack, but what happens if I sold both Position1 and Position2 the same day? Position2 for me is a small dividend reinvestment with almost negligible gain. I dont want to wait till tomorrow for TLHing Position1 as the market has dropped even more today and would like to lock it. ...
by subham
Wed Oct 14, 2015 11:48 am
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 342
Views: 83748

Re: TLH for absolute dummies [Tax Loss Harvesting]

Sorry to hijack, but what happens if I sold both Position1 and Position2 the same day? Position2 for me is a small dividend reinvestment with almost negligible gain. I dont want to wait till tomorrow for TLHing Position1 as the market has dropped even more today and would like to lock it. Question regarding TLH. I have 2 positions in Mutual fund A. - Position 1 was purchased 5 years ago and has unrealized losses. - Position 2 was purchased today. Question : What is the earliest I can sell position 1 and harvest the losses without a wash sale ? You have a couple of options: Option 1: Sell Position 2, and then sell Position 1 the day after. That way you do not have any "replacement" shares for the Position 1 shares that you want to ...
by subham
Tue Oct 13, 2015 12:32 pm
Forum: Investing - Theory, News & General
Topic: TLH for absolute dummies [Tax Loss Harvesting]
Replies: 342
Views: 83748

Re: TLH for absolute dummies [Tax Loss Harvesting]

livesoft

i am still going through the long threads but I looked at my VTIAX losses and 2/3rd of them are long term losses. I also wont have any capital gains to offset this year.

should i still harvest the losses (~8% drop)?

also there is one automatic dividend reinvestment lot on 9/24. Should i hold off TLHing all other lots till 10/25 or should i do it anyway now if i wanted to? If i did it now, will the entire exchange be considered wash sale or only the small portion from the dividend reinvestment?

Thanks
by subham
Tue Oct 13, 2015 11:35 am
Forum: Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 64
Views: 13070

Re: Tax Loss Harvesting: How do you do it in practice?

livesoft

i am still going through the long threads but I looked at my VTIAX losses and 2/3rd of them are long term losses. I also wont have any capital gains to offset this year.

should i still harvest the losses (~8% drop)?

also there is one automatic dividend reinvestment lot on 9/24. Should i hold off TLHing all other lots till 10/25 or should i do it anyway now if i wanted to? If i did it now, will the entire exchange be considered wash sale or only the small portion from the dividend reinvestment?

Thanks
by subham
Thu Oct 08, 2015 5:57 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 64
Views: 13070

Re: Tax Loss Harvesting: How do you do it in practice?

Thanks again.

I found this blog on the TLH Wiki which answers a lot of my Q's as a TLH Newbie!

viewtopic.php?f=10&t=172568
by subham
Thu Oct 08, 2015 1:45 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 64
Views: 13070

Re: Tax Loss Harvesting: How do you do it in practice?

Does this account already have at least 2 funds in it? Or does it only have a single fund in it? If it has at least 2 funds in it, then I can ask you this question: Is it confusing to have more than one fund in this account? This is my taxable account with my stock portion of my AA (bond portion is in my 401k). So it has other funds as well. It may not be a big deal to have two different funds (VTIAX, VFWAX for eg) representing my "Total International" I guess, once i get a hang of it. Can i exchange funds between VTIAX and VFWX back and forth every 31 days as long as there is a TLH opportunity? I am confused by archbish99's comment "The confusing piece will be wash sale rules. Every 30 days you can TLH, but you can only go ...
by subham
Thu Oct 08, 2015 1:24 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 64
Views: 13070

Re: Tax Loss Harvesting: How do you do it in practice?

You are awesome Livesoft for not only responding promptly but also with such detail.

I will look into this and see if i can do the same.

One question i have is I was going to move all my lots from VTIAX to VFWAX to keep it simple. But it may be a bad idea as some of the lots may have gains. So i will TLH only the losing lots. But will it get confusing to have two TLH partners in the account later on when I want to reverse? Or it will be failry simple as there will be two funds under the category that i can swap every 31 days as long as they are going down?
by subham
Thu Oct 08, 2015 12:30 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting: How do you do it in practice?
Replies: 64
Views: 13070

Re: Tax Loss Harvesting: How do you do it in practice?

staythecourse wrote:I invest money every month so I just check the tab at Vanguard that shows where I am running an opportunity to TLH. I decide if it is worth it (I look for times the loss is >3k) and then TLH BEFORE adding the new money for the month.

The problem (if you can consider it that) is when one is constantly adding money to taxable every month there are not many opportunities to TLH as one is always in a situation of wash sale rule, i.e. buying security 30 days prior to sale at loss.

Good luck.
I am newbie to TLH and am attempting to move my entire VTIAX to VFWAX to arvest 10% losses this fund suffered over last year.

I never knew Vanguard has a tab for TLH. WOuld you care to help me figure out where to look for it?

Thanks
by subham
Fri Sep 04, 2015 12:31 pm
Forum: Investing - Theory, News & General
Topic: Excel function to return latest price
Replies: 39
Views: 11165

Re: Excel function to return latest price

DoubleClick wrote:Fast, no need for VBA, and known to work with Excel 2013*. Assuming cell A1 contains the ticker (eg: VTSAX):

=NUMBERVALUE(WEBSERVICE("http://finance.yahoo.com/d/quotes.csv?s="&A1&"&f=l1"))

See digarei's post below for a link to Microsoft's page on WEBSERVICE
You Sir are the best!

I have been looking for something like this desperately as its getting tedious to get a snapshot of my portfoli and do rebalancing. This worked like charm! I now have to spend some time to integrate this into my rebalancing rules so it becomes almost fully automated! THANK YOU!
by subham
Wed Sep 02, 2015 3:51 pm
Forum: Investing - Theory, News & General
Topic: Comprehensive list of tax loss harvesting partners
Replies: 67
Views: 13086

Re: Comprehensive list of tax loss harvesting partners

is it possible to do TLH for these funds?

VTIAX
VTSAX
VBR
VNQ
GTU
by subham
Thu Aug 27, 2015 2:34 pm
Forum: Personal Investments
Topic: WHat should i do?
Replies: 5
Views: 1325

Re: WHat should i do?

Do you have an Investment Policy Statement? Now would be a good time to view the wiki and write one up so that when the market takes a hiccup as it will normally do from time to time, you do not panic and view it instead as an opportunity to pick up shares at a discounted price. Remember, buy lower and sell higher is your objective, not sell lower or abstain from buying cheaper shares and instead wait for the market to recover so that you can now feel better about your plan and relax knowing you are paying full price instead. Good thing you looked today and not Monday night, when your portfolio may have been down 10% instead. :) Seriously, if 4% upsets you then your asset allocation plan is too aggressive. 4% doesnt upset me as much as nee...
by subham
Thu Aug 27, 2015 1:54 pm
Forum: Personal Investments
Topic: WHat should i do?
Replies: 5
Views: 1325

WHat should i do?

Folks, Its been more than 6 months since i checked these forms!

i have become too passive about my Passive-Boglehead-4fund-AA since i finished my last DCA installment into my AA this January. I never looked at market since then and only now am beginning to look at it, it seems it has crashed. My AA has lost about 4% so far since last September when i first started DCAing into it.

I saved up some cash over the last year that I would like to DCA into my AA and was wondering if I do it blindly w/o worrying about where the market going? Should i be excited to put the money in the down market?

I know what may say, but it would be reassuring to hear your wisdom one more time before i plunge into it :)

Thanks in advance!
by subham
Wed Jun 24, 2015 1:23 pm
Forum: Investing - Theory, News & General
Topic: The Larry Portfolio - Perfect for a 529 Plan?
Replies: 29
Views: 5419

Re: The Larry Portfolio - Perfect for a 529 Plan?

Folks

I superfunded the 529 plan for my children in 2014.

Do i need to file any gift tax return with IRS (709)?

Thanks
by subham
Wed Feb 11, 2015 4:24 pm
Forum: Investing - Theory, News & General
Topic: First time investor needs help
Replies: 15
Views: 1717

Re: First time investor needs help

Folks

just want to say I made my last of the 6 DCA installments today and am now almost fully invested in my AA.

It was scary at the beginning to jump with both feet and this is where DCA helped me ease into may AA.

Now I can get lazy about it :)

Thanks a lot for your valuable support!

Subham.
by subham
Mon Feb 09, 2015 1:26 pm
Forum: Personal Investments
Topic: What to buy with Roth (backdoor) contributions?
Replies: 4
Views: 891

Re: What to buy with Roth (backdoor) contributions?

I am thinking of plunking the Roth contributions in a high dividend fund (outside my 4 fund vanguard portfolio), any thoughts on VNR as suggested by this article?

http://www.forbes.com/sites/johnwasik/2 ... r=yahootix
by subham
Thu Jan 29, 2015 4:35 pm
Forum: Investing - Theory, News & General
Topic: Does college tuition indeed keep up with inflation?
Replies: 15
Views: 2737

Re: Does college tuition indeed keep up with inflation?

Thanks you folks RUDEly awakening me from my hopeless hope :)

Then it seems if you want to save in 529, you would have to front load it to get the best mileage.
by subham
Wed Jan 28, 2015 3:02 pm
Forum: Investing - Theory, News & General
Topic: Does college tuition indeed keep up with inflation?
Replies: 15
Views: 2737

Re: Does college tuition indeed keep up with inflation?

yes i saw some of these but I too wonder if this crazy rate of increase is sustainable 15 years down the lane for which I am saving up in 529. If it is not, am i making a mistake in over funding it instead letting it grow in a taxable account. But I rationalize away this concern by telling myself that if there is unused money in the account then I will pass it on to my grandchildren!
by subham
Wed Jan 28, 2015 2:47 pm
Forum: Investing - Theory, News & General
Topic: Does college tuition indeed keep up with inflation?
Replies: 15
Views: 2737

Does college tuition indeed keep up with inflation?

When it comes to front loading 529, the rule of thumb I was told is to contribute an amount equal to full tuition in today's prices so that it would grow inflation adjusted by the time you need it in the future.

But that seems like an exorbitant growth in tuition over time. Is there really any data out there that shows that indeed college tuition has grown in the past in this way?
by subham
Wed Jan 28, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 9777

Re: Mr. Bogle on CNBC today--International and Bonds

I asked my VG CFP and here is what they said:

Thank you for your email regarding International investments. Mr. Bogle is
speaking to the general investor. Your plan has been customized to you and
your specific situation. Keep in mind Vanguard's guardrails are 20% - 40%
International exposure on the stock allocation which correlates the 20% Mr.
Bogle mentions in the clip.
by subham
Tue Jan 27, 2015 5:17 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 9777

Re: Mr. Bogle on CNBC today--International and Bonds

Thanks for everyone who asked me to stay the course.

I wonder what Mr. Rick Ferri would say about this video as his blog states that he intends to increase international allocation!
by subham
Tue Jan 27, 2015 2:36 pm
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 50
Views: 9777

Re: Mr. Bogle on CNBC today--International and Bonds

May be I didnt get his point, but VG (founded by him) gave me a 4 fund portfolio: Stock(US:INT = 70:30) and Bond(US:INT = 80:20).

I am now confused! Should I change my allocation or ignore his advice?
by subham
Wed Jan 21, 2015 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Self-Taxing - my personal savings encourager
Replies: 15
Views: 1961

Re: Self-Taxing - my personal savings encourager

This is cheating :)

To truly feel the pain of taxation you should throw away the "tax" in a vehicle that will never benefit you in the future. For example, you can send it to me and its a win-win :sharebeer
by subham
Wed Jan 14, 2015 1:09 pm
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 162
Views: 38357

Re: What was your costliest investment mistake?

This thread is probably one of the best in this community. Not a day goes by when I don't feel regret for the numerous financial mistakes I made in the past. Now reading this thread gives me hope and confidence that I am not alone!

Bogleheads should publish a book which should only have all the failures listed here :)

And the book cover should be this :)

Image
by subham
Wed Jan 14, 2015 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 95
Views: 19170

Re: Can I retire early? 38 y/o

The difference is more like 1.5% between 80/20 and 40/60. Lets look at some firecalc numbers 1 million dollars/40k year, 50 year time frame. 40% stocks = 50% success rate 80% stocks = 84% success rate. Thats is pretty huge. And note most of the time with the 40% case, you have less money than you started with. That is a very stressful way to live. The 80/20 guy on the other hand has 4x as much as they started with. That makes life a lot less stressful when your 90. Now maybe 80/20 is a bit too aggressive 60/40 75% 70/30 81% would be my personal vote. The other thing is that it is much better to take risks when your younger. Going back to work at 45 versus 60 is a lot easier. If your aggressive with stocks early and get lucky(imagine you ho...
by subham
Tue Jan 13, 2015 4:48 pm
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 162
Views: 38357

Re: What was your costliest investment mistake?

Not taking responsibility to educate myself early on and instead trusting "experts" to do it for me, only to see them wreck my financial car.
by subham
Mon Jan 12, 2015 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 95
Views: 19170

Re: FIREcalc tax assumptions

subham wrote:I tried using friecalc for the first time and did not understand how it incorporates Tax information. Or is it showing pre-tax dollars and so you have to input pre-tax spending expectations?

probably answering my own question, looks like one needs to deduct taxes from assets and include pre-tax spending to take tax into account?

http://www.cfiresim.com/docs/faq.php
by subham
Mon Jan 12, 2015 3:37 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 95
Views: 19170

FIREcalc tax assumptions

I tried using friecalc for the first time and did not understand how it incorporates Tax information. Or is it showing pre-tax dollars and so you have to input pre-tax spending expectations?
by subham
Fri Jan 09, 2015 3:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 95
Views: 19170

Re: Can I retire early? 38 y/o

sesq wrote:
subham wrote: Did you consider Life Insurance, Disability Insurance, Umbrella Insurance, LTC, property taxes, house expenses etc?
If one retired early, with a $4M NW (incl the building), I don't think one needs life insurance or disability insurance. In the first case, his departure would be one less mouth to feed (stated harshly), and in the latter, there is no income to replace.
.
thats an interesting way to look at it. Never thought about it. So why wouldn't this same argument extend to someone who is not retired with 4M assets in a similar situation?

In other words is there a rule of thumb to tell when to drop these?
by subham
Fri Jan 09, 2015 3:43 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Fresh
Replies: 7
Views: 2588

Re: Amazon Prime Fresh

tecmage wrote:Just received my first delivery of Amazon fresh today. There was a code for $30 off a $50 or more order. It was fast and painless and the items were very close or exactly the price of the local grocery stores.

I probably won't order again since it didn't stock everything I wanted so I'd have to go shopping anyway and the cost for fresh prime seems like wasted money when I'd have to go to the store anyway. I will say I was impressed with the fresher items delivered (bananas and lemons). I expected fair quality but they looked like the ones I'd pick out at the store.
Thanks for input. Could you post a link to the code please?
by subham
Fri Jan 09, 2015 2:59 pm
Forum: Personal Investments
Topic: What to buy with Roth (backdoor) contributions?
Replies: 4
Views: 891

Re: What to buy with Roth (backdoor) contributions?

You're thinking about it right, as long as you stick to your overall asset allocation. Doing that is the number 1 priority. Number 2 priority is tax consideration when placing assets. You want things with higher yield (bonds, REITs) and higher turnover (cap gains) in tax advantaged accounts. You want things with lower yield and cap gains (like the total US market index) in taxable. Priority 3 is what you are talking about - putting the assets likely to grow the most in tax advantaged accounts, specifically Roths when possible. thanks. so REIT would be one option I guess? and yes, I followed the basic rules of AA, tax efficient placement etc for my main portfolio. Given the relatively small amounts, I am tempted to think of this Roth as pla...
by subham
Fri Jan 09, 2015 2:54 pm
Forum: Personal Investments
Topic: What to buy with Roth (backdoor) contributions?
Replies: 4
Views: 891

What to buy with Roth (backdoor) contributions?

I have a 60/40 4 fund portfolio that spans my taxable and 401k accounts. All my bonds are in 401k.

I started back door Roth last year and hope to contribute 5k-11k to it every year if expenses allow.

May be there is some accounting-disconnect in my mind, but given Roth is taxfree, I want to invest this in a way to maximize my expected return as opposed to treating this as part of my overall AA and buying more bonds.

Am I making a behavioral error?

If not, what would you recommend I put this money in?
by subham
Fri Jan 09, 2015 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 95
Views: 19170

Re: Can I retire early? 38 y/o

Why not retire in one of those cities like Dallas where you can get mansions for under 300k and use the 600k as part of your AA?
by subham
Fri Jan 09, 2015 2:43 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 36221
Views: 4653255

Re: U.S. stocks in freefall

I'm curious also about this freefall today. I had planned to buy some ETFs today (ITOT and AGG) but seeing the declines I'm wondering if I should wait to see if things go lower. I'm not a fan of timing the market as I have learned thru this forum but would it be reckless for me to invest now? You're wasting your time for the most part. The results from picking one day over the other are fairly small for any sort of regular contribution. I know how and I still don't bother, pick a regular schedule and stick with it , the statistics will work in your favor over the long run. That said, if you insist on trying then here is my forecast: 1) Signals are weak, forecasting accuracy will be mediocre 2) RSI is low but not oversold 3) Bollinger bands...
by subham
Fri Jan 09, 2015 2:41 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Fresh
Replies: 7
Views: 2588

Re: Amazon Prime Fresh

Bump!

Any more inputs?
by subham
Fri Jan 09, 2015 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 95
Views: 19170

Re: Can I retire early? 38 y/o

Did you consider Life Insurance, Disability Insurance, Umbrella Insurance, LTC, property taxes, house expenses etc?

Also if you pay for the house in full cash, what precautions are you taking in hiding your networth from public records?
by subham
Fri Jan 09, 2015 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can I retire early? 38 y/o
Replies: 95
Views: 19170

Re: Can I retire early? 38 y/o

I am curious to know how this thread evolves as early retirement is a worthy option to pursue.

Did you consider Life Insurance, Disability Insurance, Umbrella Insurance, LTC, property taxes, house expenses etc?

Also if you pay for the house in full cash, what precautions are you taking in hiding your networth from public records?
by subham
Wed Jan 07, 2015 1:19 pm
Forum: Personal Investments
Topic: Maxing 401k vs Roth 401k vs Roth IRA
Replies: 25
Views: 6425

Re: Maxing 401k vs Roth 401k vs Roth IRA

even if your future tax bracket is lower than present, Roth 401k may be better if you are maxing out. See these threads

viewtopic.php?f=10&t=150516
viewtopic.php?f=1&t=149048
by subham
Wed Jan 07, 2015 12:03 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime Fresh
Replies: 7
Views: 2588

Amazon Prime Fresh

I saw Amazon truck in my neighborhood delivering Amazon Prime Fresh. It seems they started this recently for southern california residents.

I looked up online and saw that it would cost $300 for this service (I have Amazon Prime which will be subsumed by this).

Wondering if any of you have used this service and have comments to share?

1) are the prices competitive to say Sprouts or TraderJoes or Costco?
2) is the quality as good?
3) is it financially worth it,taking into account time saved for driving, gas prices etc?
4) does it ever pay for itself?
by subham
Wed Jan 07, 2015 11:52 am
Forum: Personal Investments
Topic: Retirement savings for unemployed spouse
Replies: 6
Views: 1574

Re: Retirement savings for unemployed spouse

One needs earned income to use 401k/403b/457b level deferrals. Same goes for the self employed (SIMPLE and SEPs). If you want to defer more income, it may have to be in your accounts, not hers. Do you have access to more than one type of plan? Does interest/dividends earned on investment count towards this earned income? If she does some part time work (for example as a contractor), I take it that opens up some options? If the employer does not give 401k, are there any self directed plans that are not caped off by our AGI (for eg her 401k contributions did not depend on AGI) The only other option i can think of in your situation would be a health savings account. Some use these as a Type of retirement saving vehicle. Of course you would ne...
by subham
Tue Jan 06, 2015 5:17 pm
Forum: Personal Investments
Topic: Retirement savings for unemployed spouse
Replies: 6
Views: 1574

Re: Retirement savings for unemployed spouse

mhalley wrote:You And the wife can contribute to a non-deductable ira, then convert it to a roth ira. This is called the "back door" roth. While not tax deductable, you would never have to pay taxes on the earnings.

http://www.bogleheads.org/wiki/Backdoor_Roth_IRA
Mike
Thanks and this is what I plan to do but its only limited to 5.5k/person. Wanted to find out if there is any other vehicle that allows stashing more away for retirement.
by subham
Tue Jan 06, 2015 5:07 pm
Forum: Personal Investments
Topic: Retirement savings for unemployed spouse
Replies: 6
Views: 1574

Retirement savings for unemployed spouse

Sorry if this has been asked before and obvious, but would appreciate any information on the following.

My spouse used to contribute fully (~17.5k) to a 401k till last year and has now quit working starting this year (plan is to get back into the game 1 or 2 years from now).

Is there a way to contribute funds from my earning towards the spouses' retirement accounts? I looked into the "spousal IRA" that allows a substantially reduced contribution of ~6k but we do not qualify for it due to AGI.

Is there any other vehicle that allows tax advantaged retirement savings for unemployed?