Search found 446 matches

by crit
Wed Dec 12, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting - When to do it?
Replies: 15
Views: 969

Re: Tax Loss Harvesting - When to do it?

Here is what I do: First, figure out what your equivalent closing value was for VTI, VOO or VXUS when you bought it. Google "VTI price history" or use Yahoo finance. For instance, I bought some VTSAX on 11/30, when VTI closed at $141.35 Second, watch that index. At 3:45 or so, it will converge towar...
by crit
Mon Dec 10, 2018 9:07 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 102
Views: 6868

Re: Electric bill with LED

I replaced 23 recessed incandescent cans in our single-story ranch with LED cans two years ago, after an energy audit. I think they are a dimmable Cree unit, with a warm light spectrum. The new cans run much cooler, and are closed to air flow. I added foam rings to the gasket just to absolutely kill...
by crit
Mon Dec 03, 2018 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard thinks I have a wash sale. Do I?
Replies: 41
Views: 4371

Re: Vanguard thinks I have a wash sale. Do I?

Uh, what? That defies my understanding of replacement shares.

To clarify, do you now hold any FTSE? If so, when was your last recorded purchase of shares you now still hold?
To what shares was the adjustment in price made?
by crit
Mon Dec 03, 2018 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: tlh strategy question
Replies: 7
Views: 472

Re: tlh strategy question

I direct new contributions to the fund I'd most prefer to be in. So my new contributions go to Total Stock Market. In the end, you're going to have a stock allocation that is a mix of Total, Large Cap, probably some Small Cap to balance it, and whatever is in your IRA &/ 401k. In other words: by TLH...
by crit
Fri Nov 09, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2363

Re: Anyone with an Audi A3, Sport hatchback e-tron?

Pennylane, since you seem to have an inside track: do you think it might be possible eventually to swap in a bigger battery, as they become available, to the A3 etron? I read some speculation about that somewhere.
by crit
Fri Nov 09, 2018 10:41 am
Forum: Personal Consumer Issues
Topic: Anyone with an Audi A3, Sport hatchback e-tron?
Replies: 37
Views: 2363

Re: Anyone with an Audi A3, Sport hatchback e-tron?

We have had one for 2.5 years now. ~35k miles. We enjoy it a ton. Our use-case: 6-mile commute up a big long hill. Regular weekend trips and one-car family, so full electric out. Comfort priority high: my bad back, both of us are sensitive to noise. Must fit bike in back (hate racks). The top compet...
by crit
Mon Oct 29, 2018 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard thinks I have a wash sale. Do I?
Replies: 41
Views: 4371

Re: Vanguard thinks I have a wash sale. Do I?

So if I'm reading the replies correctly, it boils down to: 8/20 bought "lotA" FTSE 9/28 bought a separately sourced "lotB" FTSE 10/9: --10:00:00 am, sold "lotA" FTSE -- (honking sound, WASH SALE!, lotB that you still own are replacement shares) --10:00:01 am, sold "lotB" FTSE -- ("oh, ok, never mind...
by crit
Wed Oct 24, 2018 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH in 12% bracket less worthwhile?
Replies: 22
Views: 1848

Re: Is TLH in 12% bracket less worthwhile?

Yes, I was incorrect. Thanks for pointing the correct answer out to the OP.
by crit
Tue Oct 23, 2018 12:27 pm
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Interfering with Backdoor Roth Converstion
Replies: 14
Views: 825

Re: Traditional IRA Interfering with Backdoor Roth Converstion

Yes. It's just something I noticed in your original post.
by crit
Tue Oct 23, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: Holding period for TLH question [Tax Loss Harvesting]
Replies: 5
Views: 461

Re: Holding period for TLH question

No. You can sell as soon as you like. It's only the purchases that cause a problem.
by crit
Tue Oct 23, 2018 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA Interfering with Backdoor Roth Converstion
Replies: 14
Views: 825

Re: Traditional IRA Interfering with Backdoor Roth Converstion

Seems like she should use the regular 401k for contributions, not the Roth. Better to pay taxes at a lower rate later than your higher combined rate now.
by crit
Tue Oct 23, 2018 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Is TLH in 12% bracket less worthwhile?
Replies: 22
Views: 1848

Re: Is TLH in 12% bracket less worthwhile?

Can you also harvest some gains, and use the TLH to offset those gains, saving yourself capital gains tax later?
by crit
Tue Oct 23, 2018 9:35 am
Forum: Investing - Help with Personal Investments
Topic: TLH - mutual fund partner trios?
Replies: 12
Views: 602

Re: TLH - mutual fund partner trios?

Since today looks like I'll end up TLHing again (two weeks after previous TLH), I've been looking through VG mutual funds. I already use VFWAX and VTIAX. As a third fund, I will likely use one of VTMGX, developed international, ER 0.07 VEUSX, EU funds, ER 0.1 VPADX, Pacific index, ER 0.1 I already u...
by crit
Tue Oct 23, 2018 9:26 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis shows all same price?!
Replies: 5
Views: 573

Re: Cost basis shows all same price?!

Final update, this was fixed on the day they said it would be (within a week of complaint), and a VG rep called me to confirm it.
by crit
Thu Oct 18, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: TLH - mutual fund partner trios?
Replies: 12
Views: 602

Re: TLH - mutual fund partner trios?

One could figure out how to wait until 30 days have passed, too. This is true, but because the market generally does rise, it's the first period after a purchase that offers the most likely chances for losses. S&P500 was down ~4% at times today, so. I'd work your Roth to allow you to swap into S&P ...
by crit
Thu Oct 18, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: TLH - mutual fund partner trios?
Replies: 12
Views: 602

Re: TLH - mutual fund partner trios?

Living Free wrote:
Thu Oct 18, 2018 12:42 pm
could consider the vanguard S&P 500 index fund for a US stock index
Because I have VFINX, the vanguard 500 index, in our Roth IRAs this would create a wash sale.
by crit
Thu Oct 18, 2018 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: TLH - mutual fund partner trios?
Replies: 12
Views: 602

TLH - mutual fund partner trios?

I have S&P 500 indices (VFINX) in our Roth IRA accounts. I have Total Stock Market (VTSAX) and large-cap (VLCAX) in our taxable. I TLHd last week from total market into large cap. What have you used for a third fund, if the current drops in VTSAX are sustained? (I used VVIAX previously, but without ...
by crit
Thu Oct 11, 2018 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis shows all same price?!
Replies: 5
Views: 573

Re: Cost basis shows all same price?!

Updating after the inevitable phone call (which really wan't that bad, actually fine and competent, I just dread them): The VG rep said that the SpecID designation got broken basically in the upgrade between the old mutual fund account, and the brokerage account; that on his end (and mine) it says S...
by crit
Thu Oct 11, 2018 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis shows all same price?!
Replies: 5
Views: 573

Re: Cost basis shows all same price?!

It's been on SpecID since 2017. So far as I know. (Edit add: the data show, and I vaguely remember this, that it wasn't set to SpecID as of early 2017, error on my part. When I noticed that dividends had been reinvested -- those two small transactions in June and Sept 2017 -- I changed it to SpecID,...
by crit
Thu Oct 11, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis shows all same price?!
Replies: 5
Views: 573

Cost basis shows all same price?!

I have VLCAX (Vanguard Large Cap Admiral) in my taxable, and use SpecID. Right now my cost basis shows date acq #shares price 04/03/2017-----183.4860-----$61.11 .... $11,212.18 $11,818.33 — $606.16 $606.16 06/20/2017-----0.7750-----$61.11 .... $47.36 $49.92 — $2.56 $2.56 09/19/2017-----0.9370-----$6...
by crit
Wed Oct 10, 2018 3:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 101
Views: 4919

Re: About 3:53 Vanguard crashes

I did two sets of TLH transactions at about 3:30 ESt and had no problem.
by crit
Wed Oct 10, 2018 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: TLH FSGDX -> FZILX (or FTIPX) today?
Replies: 1
Views: 262

Re: TLH FSGDX -> FZILX (or FTIPX) today?

I've been thinking about your last question in recent weeks. I know some folks around here make regular taxable purchases, and/or rebalance only one a year and TLH then if it's possible, or only at major overhauls of portfolios but not outside that. My purchases tend to be lumpier due to how our inc...
by crit
Fri Sep 28, 2018 9:44 pm
Forum: Personal Finance (Not Investing)
Topic: ISO taxes and AMT [Incentive Stock Option]
Replies: 25
Views: 1880

Re: ISO taxes and AMT

First, I'd use either last year's TurboTax or the IRS worksheets to determine whether you will owe the AMT at all. $330k joint.... my gut says you won't. If you go back in my own posting history, i had a similar question earlier this summer, and someone kindly pointed me towards the right worksheets.
by crit
Thu Sep 27, 2018 6:29 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6965

Re: New Relationship - Best way to handle finances?

Don't cohabitate with anyone you have not, or cannot, mutually agree on how expenses will be shared.

This includes anyone from random monthly roommate to spouse.

It seems, from what you have chosen to tell us, that you may be carrying some gendered ideas that you should seek to lose.
by crit
Thu Aug 16, 2018 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Terminating an employee with company car
Replies: 62
Views: 6253

Re: Terminating an employee with company car

If he has no personal car, i would strongly consider giving him some uber credit or a rental for two weeks, in lieu of severance pay. You're leaving him in a real lurch - in addition to the loss of a paycheck, it will be difficult at best for him to replace transportation that quickly. That's what y...
by crit
Thu Aug 09, 2018 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup (please tell me we're boring) (with an ISO question)
Replies: 4
Views: 589

Re: Portfolio Checkup (please tell me we're boring) (with an ISO question)

midweek bump for the portfolio eyeballs ... By filling out Form 6251, it appears** that we will owe ~$25k in additional AMT tax on the ~$120k 'bargain' of ISO exercise. To me this feels like we're just getting straight-up taxed on the (fictional!) gain. Is this because we're right on the AMT boundar...
by crit
Mon Aug 06, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup (please tell me we're boring) (with an ISO question)
Replies: 4
Views: 589

Re: Portfolio Checkup (please tell me we're boring) (with an ISO question)

Thanks for the direction. I'll be doing a lot of reading on ISOs! Should we be paying estimated taxes because of the ISO exercise? Our 2017 AGI was $320k. I am unsure about itemizing in 2018 -- our big deductions were mortgage interest + SALT (we have a 1% local tax as well as 3% state) but no kids,...
by crit
Sun Aug 05, 2018 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Second Opinion(s) on Financial Situation Married Couple 55 years old.
Replies: 45
Views: 5153

Re: Second Opinion(s) on Financial Situation Married Couple 55 years old.

Most of your concerns are beyond the scope of my experience, but -- it's not clear to me why your VG advisor advised you to reduce your contributions to the 403b. I think that's worth some discussion here?
by crit
Sun Aug 05, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Audi A4 -- Does Anyone Have an Opinion About It?
Replies: 31
Views: 3136

Re: Audi A4 -- Does Anyone Have an Opinion About It?

I went from 20 years of Honda products to Audi in 2011 because of orthopedic injury. My body decided, and the brain understood that the body was possibly sacrificing reliability / repair expense. Had an A3 TDI for 5 years. It had one recall that was taken care of, and then one .... repurchase event;...
by crit
Sun Aug 05, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Asset Allocation - Looking for reccomendations
Replies: 2
Views: 254

Re: 401K Asset Allocation - Looking for reccomendations

What is your desired asset allocation? That's the driving factor here. Generally, you need to look at your portfolio as a whole, with the 401k composing 5/7th of it for instance. So we'd need you to express the percentage of investments in each component of your portfolio as related to the whole. Ch...
by crit
Sun Aug 05, 2018 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: Front load 401k?
Replies: 23
Views: 2218

Re: Front load 401k?

We do, because a) the job is in a volatile market, so we want to make sure the contribution is there regardless of what else happens that year, and b) no match. We front-load as much as is allowed, so it happens within 2-3 months.
by crit
Sun Aug 05, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup (please tell me we're boring) (with an ISO question)
Replies: 4
Views: 589

Portfolio Checkup (please tell me we're boring) (with an ISO question)

We reached a milestone this month, so I thought I'd check in. Emergency funds: Yes Debt: Mortgage ~200k at 3.4% (probably $100k + of equity). Tax Filing Status: Married Filing Jointly. No offspring. Tax Rate: 24% Federal, 3% State Age: mid & late 40s Asset allocation: 80/20 (we're aware that this is...
by crit
Thu Jun 21, 2018 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: is Ed Jones always bad news?
Replies: 29
Views: 3642

Re: is Ed Jones always bad news?

Compared to what? Compared to keeping all your money in a no interest checking account? Compared to buying gold, then selling that and buying Amazon, then selling that and buying whole life insurance? A person with some education about investments who has the temperament and discipline to formulate...
by crit
Thu Jun 21, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: is Ed Jones always bad news?
Replies: 29
Views: 3642

is Ed Jones always bad news?

This is likely a rhetorical question I am guessing, but -- does EJ offer any low-cost index funds? My father recently offered up the fact that he was putting the proceeds of his annuities, into an EJ account. I facepalmed twice for that statement. I tried to steer the conversation towards index fund...
by crit
Wed Jun 13, 2018 8:11 am
Forum: Investing - Help with Personal Investments
Topic: [Looking for ways to reduce taxes and keep more of my income]
Replies: 91
Views: 9469

Re: Getting killed on taxes - any ideas?

You are getting absolutely destroyed by people here, but I will say, I understand your point of view. With a high income, seeing the raw numbers come out somehow hurts worse than if you figure the actual tax rate which actually isn't that terrible, but to folks not making this sort of cash, its rea...
by crit
Fri May 25, 2018 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Chase Savings Account emptied out!
Replies: 77
Views: 13088

Re: Chase Savings Account emptied out!

Unclesrooge, at this point you should treat this as full identity theft. I called coinbase and they verified they don't have an account associated with my email. Maybe someone is stealing my ID? It sounds like they may have already done it. I suspect they also have all your passwords. It is time to...
by crit
Thu May 24, 2018 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Buying Crypto tokens in private sale prior to ICO
Replies: 21
Views: 1504

Re: Buying Crypto tokens in private sale prior to ICO

Buy as much as you're comfortable writing off of your net worth right now as zero.

We own some crypto. I count it as zero. It's play money, but completely fictional.

So sure, buy $1000 (if that's your comfort level). But not $10,000.
by crit
Thu May 24, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 18233

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

A further question on mechanics -- are current owners staying on as renters in their own units?
by crit
Thu May 24, 2018 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?
Replies: 139
Views: 18233

Re: Am I crazy to pay off my 30-yr fixed 3.625 mortgage?

I'm in a not-dissimilar position, with somewhat less of a total NW. Our mortgage is 3.4% fixed, and we're 5 years into it. The main reason I'd think about retiring it is the recent change in SALT deduction. Without getting political, I don't expect that change to last beyond this presidency, if it m...
by crit
Wed May 16, 2018 9:39 am
Forum: Personal Consumer Issues
Topic: Why this problem never gets fixed [Inflated medical product prices]
Replies: 33
Views: 2627

Re: Why this problem never gets fixed

Cpadave wrote:
Wed May 16, 2018 7:55 am
So how does one go about fixing this problem at with insurance companies?
You vote for candidates who will nationalize medicine, instead of candidates who want to "grow the economy" on your dime.
by crit
Mon May 14, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Am I working with the wrong realtor?
Replies: 22
Views: 2948

Re: Am I working with the wrong realtor?

This is one of the situations that reveals the folly of thinking an agent represents you. It is your interest, and in your interest, to submit an offer. That should drive events, full stop. It is not in the agent's interest, as it has a lower likelihood of paying off; the agent's time is best spent ...
by crit
Wed May 02, 2018 8:09 am
Forum: Personal Consumer Issues
Topic: Device or app to find road gradient while biking?
Replies: 18
Views: 1501

Re: Device or app to find road gradient while biking?

My bike computer does this. As it's 15 years old, it is not relying on GPS. It is delayed, but by a few pedalstrokes at most. It's a mid-level VDO model.
by crit
Wed Apr 11, 2018 8:06 pm
Forum: Personal Finance (Not Investing)
Topic: realtor wants to show house to buyer, no listing agent for me
Replies: 55
Views: 5558

Re: realtor wants to show house to buyer, no listing agent for me

No, no, a thousand times no. Realtor has fiduciary duty to her client. That is, her JOB is to get the lowest price for you (out of you). Do NOT let her see the house just so she can point out perceived flaws and dig down the price. Just the fact that she would approach you this way, while contracted...
by crit
Mon Apr 09, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Post your TLH success / failures
Replies: 6
Views: 777

Re: Post your TLH success / failures

Writing this post is a useful exercise, just as creating my first portfolio post was ... I TLH'd in fall of 2015, and in early 2016. I remember making a round trip from VTSAX to VLCAX to VVIAX back to VTSAX -- by luck, I realize now. I didn't quite understand that I could well have gotten stuck in V...
by crit
Fri Mar 30, 2018 9:18 pm
Forum: Personal Consumer Issues
Topic: New car from dealer may have close to 150 miles - ok?
Replies: 66
Views: 8469

Re: New car from dealer may have close to 150 miles - ok?

The mileage wouldn't bother me at all (I bought a dealer demo last summer), but I'd walk away hard at the "nonrefundable" part.

I will not do business with slime like that, even at 0 miles, they just lost the sale.
by crit
Mon Mar 26, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Thinking about capitulating on house
Replies: 34
Views: 4755

Re: Thinking about capitulating on house

Capitulating ... to whom or what? Such a strange term, and you use it twice. Who is needling you to sell? The person who will make out the best from your sale will be the realtor. Of all the places your money can go, that's one of the places I would not spend it. Don't capitulate to the realtor, if ...
by crit
Fri Mar 23, 2018 2:08 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 Joint Account
Replies: 9
Views: 8444

Re: Capital One 360 Joint Account

I had no problem adding my husband to my old 360 account a week or two ago. Weird.
by crit
Tue Mar 20, 2018 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Impending market correction
Replies: 28
Views: 2295

Re: Impending market correction

I fully agree that a downturn is overdue, and I think the downstream effects of these tariffs are going to do it. However, I'm doing nothing different beyond ordinary rebalancing, which I do about monthly. For better or worse, I do not think I can beat the overall market, and that is why I'm investe...