Search found 431 matches

by crit
Thu Oct 18, 2018 3:07 pm
Forum: Investing - Help with Personal Investments
Topic: TLH - mutual fund partner trios?
Replies: 11
Views: 338

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: 11
Views: 338

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: 11
Views: 338

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: 4
Views: 389

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: 4
Views: 389

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: 4
Views: 389

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: 94
Views: 4050

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: 190

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: 19
Views: 1288

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: 6723

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: 6188

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: 572

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: 572

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: 5071

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: 3050

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: 226

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: 2115

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: 572

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: 3620

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: 3620

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: 9402

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: 12929

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: 1444

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: 17948

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: 17948

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: 2532

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: 2890

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: 1413

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: 5436

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: 750

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: 8078

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: 4648

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: 6856

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: 2225

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...
by crit
Sun Mar 18, 2018 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Q: (cannot!) Carryover loss without Schedule D
Replies: 10
Views: 622

Re: Turbotax Q: (cannot!) Carryover loss without Schedule D

coda: I have now completed and successfully filed, and I was never prompted to upgrade to use Schedule D.
by crit
Sun Mar 18, 2018 1:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Investment Advice - Taxable Account
Replies: 3
Views: 858

Re: Vanguard Investment Advice - Taxable Account

Well, it's hard to see exactly what you need, but I think you have it straight -- stock index funds (either domestic or international) but not bonds. You can either raise the % of bonds in your IRAs to compensate your overall AA, or switch to a different target-date fund which will raise the % bonds...
by crit
Sun Mar 18, 2018 1:14 pm
Forum: Personal Finance (Not Investing)
Topic: Does credit score matter if you never plan to borrow money again?
Replies: 44
Views: 4786

Re: Does credit score matter if you never plan to borrow money again?

Yes, it matters -- your existing creditors check your credit every now & then, and will raise your rates or drop you if they think you're a worse risk.

I think this is in the fine print we don't read when signing.
by crit
Sun Mar 18, 2018 1:11 pm
Forum: Personal Finance (Not Investing)
Topic: Techniques in helping other with poor money skills
Replies: 27
Views: 2706

Re: Techniques in helping other with poor money skills

Something that absolutely is true* is that it is literally more expensive to be poor. And that is something you can help with. For instance, off the top of my head: My copay for Advair should be $50. But I know there's a coupon to be had, from Glaxo no less!, that makes it $10. Not everyone knows th...
by crit
Sun Mar 18, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Q: (cannot!) Carryover loss without Schedule D
Replies: 10
Views: 622

Re: Turbotax Q: Carryover loss without Schedule D

Ok, I see now, thanks -- so a schedule D is required to carryover.

I still think TurboTax should warn me, when importing last year's taxes, that I'll lose the carryover loss unless I upgrade. As it is, it just ignores it.
by crit
Sun Mar 18, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Q: (cannot!) Carryover loss without Schedule D
Replies: 10
Views: 622

Re: Turbotax Q: Carryover loss without Schedule D

I cannot enter it in the 1040 or in the "Capital Gains And Losses" worksheet in TurboTax - the field is not editable. However, there is a "Carryover Worksheet" and it has an editable line 13a - when i enter it there, it then appears as a loss in the 1040. So I think this will work. I also found the ...
by crit
Sun Mar 18, 2018 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Q: (cannot!) Carryover loss without Schedule D
Replies: 10
Views: 622

Re: Turbotax Q: Carryover loss without Schedule D

It did, but I sold (tax loss harvested) in 2016, so I used Premier last year.
by crit
Sun Mar 18, 2018 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Q: (cannot!) Carryover loss without Schedule D
Replies: 10
Views: 622

Re: Turbotax Q: Carryover loss without Schedule D

Desktop, and line 13 is indeed blank.
by crit
Sun Mar 18, 2018 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Q: (cannot!) Carryover loss without Schedule D
Replies: 10
Views: 622

Turbotax Q: (cannot!) Carryover loss without Schedule D

We had leftover capital losses from last year (from 2015 actually) from tax-loss harvesting in our taxable account. This year, I made no sales in our taxable account, and so we did not get a 1099b. Because we don't need Schedule D, I am using TurboTax Deluxe, and I imported last year's return sucess...
by crit
Thu Mar 15, 2018 9:35 pm
Forum: Personal Consumer Issues
Topic: Large life style creep that was completely worth it
Replies: 112
Views: 15641

Re: Large life style creep that was completely worth it

We have crept up in our dining and other habits, but not by much. The thing that has felt and continued to feel like a big step, though, is the hiring people - cleaning, yard work. I still feel like I should be doing that myself, that I shouldn't get used to it, etc., etc. And also that it's just wo...
by crit
Thu Mar 15, 2018 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 34774

Re: Those with high savings rate: why?

Because our income grew much, much more quickly than our spending habits, which, by this time in life, aren't that plastic.
by crit
Mon Mar 12, 2018 8:52 pm
Forum: Personal Consumer Issues
Topic: Bicycle Commuting in LA - Thoughts?
Replies: 100
Views: 6208

Re: Bicycle Commuting in LA - Thoughts?

Honestly, it really depends on the specifics. There is a decent biking culture in LA, and enough awareness of cyclists and bike lanes that, well, maybe. It would really depend on the route. You may be best off asking some local cyclists for their opinion on the roads you'd be taking.
by crit
Mon Mar 12, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Small windfall, would like some advice
Replies: 30
Views: 3051

Re: Small windfall, would like some advice

If your tax return is five digits, you need to change your withholdings. You could be using that money all year, and you're not earning interest on it while the IRS is holding it for you.
by crit
Thu Mar 08, 2018 9:36 pm
Forum: Personal Finance (Not Investing)
Topic: Advice needed for Renter offer
Replies: 19
Views: 2212

Re: Advice needed for Renter offer

You're still checking credit, using a standard lease, taking pictures pre-move in, keeping the deposit in a separate interest- bearing account, verifying employment, and calling references, and all the required stuff right? Right?

Don't let the money blind you.
by crit
Wed Feb 28, 2018 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: What was your % pay raise?
Replies: 179
Views: 20418

Re: What was your % pay raise?

Our raise pool dictates it, so I'll get: 2.25% ( for the small things in life, Mastercard)

And this year, tenure. (Priceless)