Search found 179 matches

by cookymonster
Mon Oct 22, 2018 9:31 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 44
Views: 3447

Re: What to do with >$1000 in Amazon credits?

Guess I may be holding on to the credit for a while, maybe until Prime Day next year. I need to figure out another way to cash in coins in the meantime. Some B&M banks still take them but you might want to get to the root of why your collecting so many coins... move more to credit cards (with cash ...
by cookymonster
Mon Oct 22, 2018 7:19 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 44
Views: 3447

Re: What to do with >$1000 in Amazon credits?

Some preliminary comparisons of household items: Clumping cat litter - $0.36/pound Wal-Mart, $0.57/pound Amazon Laundry detergent - $0.04/oz. Wal-Mart, ~$0.05/oz. Amazon (not a big difference, but too inexpensive to count for much anyway) Toilet paper - $0.06/100 sheets Wal-Mart, $0.13/100 sheets Am...
by cookymonster
Sun Oct 21, 2018 6:11 pm
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 44
Views: 3447

Re: What to do with >$1000 in Amazon credits?

Gift cards are a good suggestion. It would be nice if they had Wal-Mart. I probably will spring for Airbnb and possibly one for Southwest. Otherwise I can't easily think of one I'm sure to use quickly.
by cookymonster
Sun Oct 21, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 44
Views: 3447

Re: What to do with >$1000 in Amazon credits?

nonperishable grocery items are what I'm thinking of. I'll be due to order another 25 pound bag of quinoa in a couple of weeks.

Appreciate the suggestions so far. I don't spend a lot of money except on groceries and vacations.
by cookymonster
Sun Oct 21, 2018 10:45 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 44
Views: 3447

What to do with >$1000 in Amazon credits?

I've been accumulating Amazon credit faster than I've desired to spend it. Mainly this came in the form of a $1000 Amazon gift card I got through purchasing a subscription for CME, but I also will have another $100 soon from a referral bonus. Some credit accrues from Coinstar redemptions as well. I ...
by cookymonster
Wed Oct 10, 2018 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question about wash sale rules and replacement shares
Replies: 1
Views: 127

Question about wash sale rules and replacement shares

Suppose I am selling a stock that has the following lots: Lot A (10 shares) - purchased 1 week ago Lot B (10 shares) - purchased 6 weeks ago I see that Lot A has dropped below cost basis and decide to sell it for a loss. The following day I notice Lot B has dropped below cost basis as well. Time to ...
by cookymonster
Mon Oct 08, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Debunking Bonds in Taxable
Replies: 39
Views: 3271

Re: Debunking Bonds in Taxable

I ran the numbers using WCI's methodology, and the final totals in each scenario were within 2% of each other.

I see myself continuing to put bonds in traditional retirement accounts because I don't really want to mess with municipal bonds. If my taxes go up dramatically maybe I'll reconsider.
by cookymonster
Thu Jun 28, 2018 6:55 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1971
Views: 366899

Re: What are you up YTD? [Year To Date]

down to +0.06%, pretty much a nothingburger.
by cookymonster
Sat Jun 23, 2018 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Taxes from dividends getting high.. how to handle?
Replies: 24
Views: 2927

Re: Taxes from dividends getting high.. how to handle?

This idea that getting a refund from the IRS is bad is just bunk. Consider two cases: 1. You don't get a refund, but invest the money instead. And your investments lose money. In that case, getting a refund would have helped prevent you from losing money. 2. Tax prep software companies give you a 1...
by cookymonster
Fri May 04, 2018 1:59 pm
Forum: Local Chapters and Bogleheads Community
Topic: Salt Lake City Bogleheads
Replies: 57
Views: 9706

Re: Salt Lake City Bogleheads

Is tomorrow still a go?
by cookymonster
Fri Apr 27, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: White Coat Investor Interviews Paul Merriman
Replies: 37
Views: 7040

Re: White Coat Investor Interviews Paul Merriman

It was a good podcast. I've tilted to small and value for a while. I think Paul does himself a disservice by calling his non buy and hold strategy "market timing." To me that means attempting to get out of the market when it has gone up out of fear of a coming crash, and trying to get back in when s...
by cookymonster
Wed Feb 14, 2018 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 103
Views: 8046

Re: I didn't tax-loss harvest this month, did you?

Looks like I've harvested about $700. Nothing to write home about, but more impressive than the $27 in losses I captured last year.
by cookymonster
Wed Feb 14, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 61
Views: 7434

Re: The Best HSA

Saturna allows me to make one trade a year for $14.95, no other fees. No cash drag. If I want to do a Vanguard fund, it's $24.95. Works great for my purposes. It's even cheaper than that if you buy a NTF fund. I bought one with an ER of 0.21%. The higher ER means $6 in extra costs this year. No oth...
by cookymonster
Tue Feb 13, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard VXUS QDI% 2017
Replies: 9
Views: 784

Re: Vanguard VXUS QDI% 2017

SCHF had a ratio of 0.899 in 2016. Don't see 2017 anywhere yet. I now not only put new intl holdings in it, but it would also take a huge loss for me to exchange it to something else in a TLH event.
by cookymonster
Sun Feb 11, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Brokerage Transfer Fee [Merrill Edge]
Replies: 10
Views: 1599

Re: Avoiding Brokerage Transfer Fee [Merrill Edge]

You'd be surprised. I've never failed to get a transfer fee reimbursed, even on top of a bonus.
by cookymonster
Wed Feb 07, 2018 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Investment ideas for my Saturna HSA
Replies: 3
Views: 294

Re: Investment ideas for my Saturna HSA

When i moved my 15k HSA to Saturna, I put it in a Fidelity low-cost bond fund. At the time, there was a transaction fee of $15; it has since gone up to $25. The lowest ER NTF option I'm aware of is PREIX, an S&P 500 index fund with an ER of 0.21. I put my new $3450 contribution in that, since I wasn...
by cookymonster
Sun Feb 04, 2018 4:59 pm
Forum: Investing - Theory, News & General
Topic: Comparing Schwab Mutual Funds & ETFs
Replies: 16
Views: 3358

Re: Comparing Schwab Mutual Funds & ETFs

I didn't want to start a new thread for this. Is it possible to get up-to-date Schwab annual reports anywhere online? I can find old reports from Morningstar, but that's it. I would like to figure out what the tax efficiency for the ETF's are (including foreign tax paid). I would also like to figure...
by cookymonster
Fri Feb 02, 2018 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Best International Small Cap Option
Replies: 53
Views: 6417

Re: Best International Small Cap Option

VSS has lousy tax efficiency with a QDI ratio of 0.41. SCHC is at 0.72 and is where I put new $ in the class.
by cookymonster
Thu Dec 21, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Selling an out of print book
Replies: 12
Views: 1365

Re: Selling an out of print book

Listed on eBay for now. They take about a 10% cut, which is the lowest I'm aware of. Other sites (excluding Amazon) take about 15%.
by cookymonster
Wed Dec 20, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Selling an out of print book
Replies: 12
Views: 1365

Re: Selling an out of print book

The list price is $37.95 and it's paperback. It's not a textbook, more a how-to to help a doctor find the right job. I have to assume I can get more than that for it since it's almost completely unavailable. I'm thinking I'll start at $200 and go down $10 a week... Hopefully it'll sell within a few ...
by cookymonster
Wed Dec 20, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Selling an out of print book
Replies: 12
Views: 1365

Selling an out of print book

Hi all, I have a copy of a book published in 2011, now surprisingly out of print. It is IMO a practically useful book for physicians. I looked all over the web for copies for sale to see how much it might be worth. I found one copy on Amazon UK for $51, and another on Amazon US for $3215. I also loo...
by cookymonster
Wed Nov 08, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1270
Views: 216635

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Somehow I'm still getting the 75% bonus despite only having 70-74k at ME the last several months. But yeah, it's an awesome deal. I'm using the Bank of America Cash Rewards card and the Travel Card. You had $100k in assets at some point in the last year, correct? I thought the tier was based on 3-m...
by cookymonster
Wed Nov 08, 2017 2:07 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1270
Views: 216635

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Somehow I'm still getting the 75% bonus despite only having 70-74k at ME the last several months. But yeah, it's an awesome deal. I'm using the Bank of America Cash Rewards card and the Travel Card.
by cookymonster
Tue Nov 07, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: HSA Account Options with Vanguard
Replies: 2
Views: 583

Re: HSA Account Options with Vanguard

Are you using your HSA for purely investment purposes? When do you think you might withdraw the money? To me, the preferred choice is the Vanguard Bond Fund. It's cheap, and although it isn't going to grow much, that maximizes the likelihood that all the HSA funds are going to be spent on only quali...
by cookymonster
Mon Nov 06, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Poll-How much do you have in your HSA?
Replies: 50
Views: 6158

Re: Poll-How much do you have in your HSA?

18.4k. Probably had since 2010. I was reimbursing for a few years. The main reason balance isn't higher is that for the last few years I've kept it invested in bonds (though I am debating moving it to stocks since it seems unlikely that I'm not going to be able to come up with enough qualifying expe...
by cookymonster
Mon Nov 06, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?
Replies: 50
Views: 6854

Re: Why is Vanguard sending so much junk mail telling me to vote in the proxy election?

I have just tossed these in the recycler but assuming they're business reply I can send them back next time. I don't see a way to vote online through E*Trade, Scottrade, or Merrill Edge.
by cookymonster
Mon Nov 06, 2017 2:34 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 1270
Views: 216635

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

My Roth IRA is at Scottrade. Anyone know if TD Ameritrade will pay bonuses for Scottrade transfers with the pending merger? Doesn't seem likely but I thought I'd see if anyone has tried.
by cookymonster
Sun Sep 03, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Becoming a Landlord: My Experiences
Replies: 136
Views: 29105

Re: Becoming a Landlord: My Experiences

Appreciate this post, de novo. I've thought about getting into this but it just sounds way too complicated, and your post is solid testimony to why. I had a few questions though: 1) Do you document the time this takes and consider that when evaluating your returns? 2) Would you ever take a tenant wh...
by cookymonster
Sat Sep 02, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1971
Views: 366899

Re: What are you up YTD? [Year To Date]

I'm up 10.21% according to XIRR. I have 21 ETFs and mutual funds. Best of the year is SCHE (Schwab Emerging Markets) at 26.25%. The only one with a negative return is IWN (ishares Russell 2000 Value). In order to get a valid YTD return with XIRR, you need to set the ending date to 12/31/17. Otherwi...
by cookymonster
Sat Sep 02, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1971
Views: 366899

Re: What are you up YTD? [Year To Date]

I'm up 10.21% according to XIRR.

I have 21 ETFs and mutual funds. Best of the year is SCHE (Schwab Emerging Markets) at 26.25%. The only one with a negative return is IWN (ishares Russell 2000 Value).
by cookymonster
Wed Aug 30, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: Healthequity HSA
Replies: 16
Views: 3206

Re: Healthequity HSA

I moved my HSA balance from HE to Saturna and am pretty happy with the experience so far. It saves me about $35-$40 a year, but asset-based charges give me heartburn in principle, and those are only going to get worse as the HSA balance grows.
by cookymonster
Sat May 20, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone use Motif Investing?
Replies: 5
Views: 1113

Re: Anyone use Motif Investing?

I invested about $3,000 with them in order to collect a $150 bonus. I didn't like their platform and promptly got out. They do not seem that easy to work with in keeping up with cost basis and tax forms.
by cookymonster
Tue May 02, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 237
Views: 23906

Re: What is your overall portfolio weighted expense ratio

cookymonster wrote:0.071
Vanguard's latest cuts have dropped me to 0.0682! :sharebeer
by cookymonster
Sun Apr 09, 2017 3:08 pm
Forum: Investing - Theory, News & General
Topic: How to TLH in Real LIfe
Replies: 38
Views: 3519

Re: How to TLH in Real LIfe

Does Betterment or other companies provide any insight into how their algorithm works? Any uses look at transaction history enough to tell? Curious what thresholds they use for selling. In theory, with low-cost index funds, you could have a $1/share threshold and just be selling left and right as t...
by cookymonster
Fri Mar 24, 2017 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 190
Views: 42611

Re: Best HSA (2017)

Has anyone actually paid the $10 surcharge to buy Fidelity funds? Because I've seen documentation of that for Vanguard, but nowhere can I find that for Fidelity.
by cookymonster
Fri Mar 24, 2017 8:43 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - Alternative List
Replies: 7
Views: 1019

Re: Tax Loss Harvesting - Alternative List

Commission Free Options: SCV - I'd recommend FNDA and paying a commission for IJS rather than SLVY. Why? Because IJS is more than twice as tax efficient as SLVY. This is rather hard to believe, as SLYV and IJS both track the same index. Do you have the data of QDI ratio for SLYV in 2016? Assuming y...
by cookymonster
Fri Mar 24, 2017 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - Alternative List
Replies: 7
Views: 1019

Re: Tax Loss Harvesting - Alternative List

Theoretical wrote: Commission Free Options:

SCV - I'd recommend FNDA and paying a commission for IJS rather than SLVY. Why? Because IJS is more than twice as tax efficient as SLVY.
This is rather hard to believe, as SLYV and IJS both track the same index. Do you have the data of QDI ratio for SLYV in 2016?
by cookymonster
Thu Mar 23, 2017 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 190
Views: 42611

Re: Best HSA (2017)

Not sure why people are paying the Vanguard surcharges at Saturna. I pay just $14.95 to make one transaction a year in an index fund with 0.05% ER. Which fund are you talking about? Saturna says that all VG funds and a handful of others like Fidelity funds have a $10 surcharge on top of the $14.95 ...
by cookymonster
Thu Mar 23, 2017 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 190
Views: 42611

Re: Best HSA (2017)

Not sure why people are paying the Vanguard surcharges at Saturna. I pay just $14.95 to make one transaction a year in an index fund with 0.05% ER.
by cookymonster
Wed Mar 22, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: my review of my HSA with Saturna brokerage
Replies: 137
Views: 41842

Re: my review of my HSA with Saturna brokerage

Got an email from Saturna that "Fidelity index funds now incur a $10 surcharge". This information wasn't on their website or documents last I looked (a week ago) I didn't get that email, and don't get that surcharge when I put in a dummy transaction for Fidelity. I hope it's not true, as I'll proba...
by cookymonster
Sat Mar 18, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: TLH from VTI, why VV over VOO? Use Roth Small to supplement?
Replies: 13
Views: 1552

Re: TLH from VTI, why VV over VOO? Use Roth Small to supplement?

The reason people recommend VV over VOO is because many DCA an S&P 500 index in their 401K index throughout the year. If this doesn't apply to you, VOO is fine. Why is that relevant? Because of the concern that buying an S&P 500 index in your 401k within 30 days of selling VOO creates a potential w...
by cookymonster
Fri Mar 17, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: TLH from VTI, why VV over VOO? Use Roth Small to supplement?
Replies: 13
Views: 1552

Re: TLH from VTI, why VV over VOO? Use Roth Small to supplement?

The reason people recommend VV over VOO is because many DCA an S&P 500 index in their 401K index throughout the year. If this doesn't apply to you, VOO is fine. My preferred TLH partner for VTI would be ITOT (followed by SCHB), assuming I have a large enough sum to trade such that the lower ER (0.03...
by cookymonster
Wed Mar 15, 2017 11:40 pm
Forum: Investing - Help with Personal Investments
Topic: HealthEquity HSA - Short Term Investment Options
Replies: 2
Views: 496

Re: HealthEquity HSA - Short Term Investment Options

Might as well get the money working for you now. Just put it in whatever option best fits your asset allocation. The wrap fee is aggravating, but the 0.4% is what is charged annually. Obviously in an average year you're going to make a better return than that in equities. Once you're done with the y...
by cookymonster
Sun Mar 12, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Is there such a thing as tax loss harvesting if you are a boglehead?
Replies: 27
Views: 3007

Re: Is there such a thing as tax loss harvesting if you are a boglehead?

I have about $63,000 in capital loss carryovers at this point, and I started investing AFTER the last bear market in 2009. If the capital loss claim limit stays at $3,000, I won't finish claiming these until I'm in my mid-50s. So I wonder at what point am I just going to be generating capital loss ...
by cookymonster
Sat Mar 11, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Nearly paid off house; Should I sell, go back to renting and invest the equity?
Replies: 14
Views: 2189

Re: Nearly paid off house; Should I sell, go back to renting and invest the equity?

Maybe I missed it, but I don't see enough information for anybody to guess what might be best financially . It would require knowing how much you paid for the house; how much you paid down; the amount you financed; the current balance of the loan, the rate, the payment per month for P&I, and the pr...
by cookymonster
Sat Mar 11, 2017 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: Nearly paid off house; Should I sell, go back to renting and invest the equity?
Replies: 14
Views: 2189

Re: Nearly paid off house; Should I sell, go back to renting and invest the equity?

Thanks everyone. My mortgage is only 3%. I am maxing out all tax-advantaged space at about ~$45k a year. My gut still tells me it is worth it to move twice in two years if it saves me an extra $11,000 a year though. I know that is contingent on a ton of assumptions about market returns, home sale, e...
by cookymonster
Sat Mar 11, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: Nearly paid off house; Should I sell, go back to renting and invest the equity?
Replies: 14
Views: 2189

Re: Nearly paid off house; Should I sell, go back to renting and invest the equity?

I know I don't need to pay the mortgage off, I have just chosen to do it because it is a low risk investment. I don't like taking care of it and it is too big for me. As I mentioned, I don't want to find another house or property to buy, I just want to go back to renting. I've learned from this expe...
by cookymonster
Sat Mar 11, 2017 7:55 pm
Forum: Personal Finance (Not Investing)
Topic: Nearly paid off house; Should I sell, go back to renting and invest the equity?
Replies: 14
Views: 2189

Re: Nearly paid off house; Should I sell, go back to renting and invest the equity?

Maybe, you might make 7.5% maybe not. Straight line compounding leads to funky results since life rarely works that way. You seem to live alone, is that a permanent state? A four bedroom might be in your future. Is the unit that you can rent for $1200 a month going to work for you? If you took the ...
by cookymonster
Sat Mar 11, 2017 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Nearly paid off house; Should I sell, go back to renting and invest the equity?
Replies: 14
Views: 2189

Nearly paid off house; Should I sell, go back to renting and invest the equity?

In late 2015, I bought a four-bedroom house that in hindsight that I realize was way too big for a single person. I was probably better off not buying at all and continuing to rent, but after I realized the mistake I decided to just pay the mortgage off quickly as a low-interest but low-risk investm...