Search found 93 matches

by jtravisdavid
Mon Nov 19, 2018 10:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 197
Views: 11685

Re: Vanguard lowering Admiral level to $3,000?

As a substantial holder and advocate of Lifestrategy funds for their simplicity and inherent behavioral advantages, for some reason this announcement is extra annoying to me. Maybe they will come out with Admiral shares of the all-in-one funds with a high-dollar minimum to compensate...for a company...
by jtravisdavid
Tue Nov 06, 2018 11:58 am
Forum: Investing - Theory, News & General
Topic: Household statements
Replies: 15
Views: 1160

Re: Household statements

SEP is mutual fund only. The rest are brokerage. My wife and I each have a login. Neither one has access to the Household statements now.
by jtravisdavid
Tue Nov 06, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: Household statements
Replies: 15
Views: 1160

Re: Household statements

Weird. I called them and the Flagship rep told me that their system is not currently supporting household statements and he did not know when they would be reactivated. If that is really the case I am surprised no one else here is having the same issue...I dunno...
by jtravisdavid
Mon Nov 05, 2018 5:00 pm
Forum: Investing - Theory, News & General
Topic: Household statements
Replies: 15
Views: 1160

Re: Household statements

To clarify, yes, I meant Vanguard. And I am able to access the individual account statements, just not the combined "household" statement.
by jtravisdavid
Mon Nov 05, 2018 4:26 pm
Forum: Investing - Theory, News & General
Topic: Household statements
Replies: 15
Views: 1160

Household statements

Anyone else not able to access any of their current or historical household statements since this weekend's website downtime?
by jtravisdavid
Tue Oct 23, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: 2019 Expenses > 2019 Income – Help us close the gap
Replies: 101
Views: 5195

Re: 2019 Expenses > 2019 Income – Help us close the gap

Use $10k from checking/savings to cover the shortfall. Problem solved.
by jtravisdavid
Tue Oct 16, 2018 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: International Fund Down - What to do?
Replies: 36
Views: 2383

Re: International Fund Down - What to do?

You could sell the fidelity fund, take the tax loss, and purchase the similar Vanguard international fund.
by jtravisdavid
Wed Jul 25, 2018 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 39
Views: 4157

Re: REITs - 20% Qualified Income Deduction

A further question I have on the REIT dividend deduction that I can’t get a clear answer on: Is the deduction subject to any sort of phase out at a certain income level? I believe there is a high income phase out. This is one of the better write ups (fairly early so there may have been better ones ...
by jtravisdavid
Wed Jul 25, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: 200k in savings....too much
Replies: 31
Views: 2844

Re: 200k in savings....too much

(1) Pay off the mortgage
(2) Formalize regular recurring investment plan, and start investing what used to be your mortgage payment
by jtravisdavid
Thu Jul 05, 2018 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: REITs - 20% Qualified Income Deduction
Replies: 39
Views: 4157

Re: REITs - 20% Qualified Income Deduction

A further question I have on the REIT dividend deduction that I can’t get a clear answer on: Is the deduction subject to any sort of phase out at a certain income level?
by jtravisdavid
Fri Mar 16, 2018 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax Requires Drivers License for EFile
Replies: 24
Views: 2514

Re: Turbotax Requires Drivers License for EFile

Thats weird, it was not required for me to efile...it gave me the option of inputting this information to "reduce identity theft", but I was able to click through without entering any info and still successfully efiled...
by jtravisdavid
Tue Jan 16, 2018 11:28 am
Forum: Personal Consumer Issues
Topic: Hot Water Delay at faucet/shower far from water heater
Replies: 100
Views: 8374

Re: Hot Water Delay at faucet/shower far from water heater

I have a 4,600 sf house that had the same issue in the master bathroom...a recirculating pump solves the problem....mine is way older than 7 years and has had absolutely no problems...I recently plugged it into a tp link smartplug which is set to power off from 11PM to 6AM...I think the electricity ...
by jtravisdavid
Sun Dec 24, 2017 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Will you donate less to Charity?
Replies: 109
Views: 9180

Re: Will you donate less to Charity?

I project substantial income tax savings with the new tax law and subsequently increased the amounts of several monthly recurring donations I have set up.
by jtravisdavid
Wed Dec 20, 2017 10:18 am
Forum: Investing - Theory, News & General
Topic: Is there a reason to keep a Target Retirement Fund?
Replies: 17
Views: 2584

Re: Is there a reason to keep a Target Retirement Fund?

I believe for most people (including myself), the advantage of keeping a Target Retirement fund or LifeStrategy fund is that it prevents you from constantly tinkering with your asset allocation. Minimizing the tinkering behavior is worth a couple basis points.
by jtravisdavid
Sun Nov 19, 2017 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 Budget Helps/Comments
Replies: 4
Views: 591

Re: 2018 Budget Helps/Comments

How about use cash to pay off mortgage. Then divert what you would have been paying for your monthly mortgage into taxable savings. No change in lifestyle needed!
by jtravisdavid
Thu Jun 22, 2017 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Did I just get seriously ripped off?? (Car lease)
Replies: 54
Views: 7641

Re: Did I just get seriously ripped off?? (Car lease)

Usually BMW adjusts the residuals so that the monthly payment on a 3 year lease is cheaper than a 4 year. You might check that.
by jtravisdavid
Wed Jun 14, 2017 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: How many of you have rentals (i.e. you're a landlord)? Are they worth it?
Replies: 74
Views: 8091

Re: How many of you have rentals (i.e. you're a landlord)? Are they worth it?

I've owned as many as two dozen at one time. Currently own two. You will earn every nickel you make in real estate investments. It is not easy money.
by jtravisdavid
Thu May 18, 2017 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: Advice On Moving Up In House
Replies: 15
Views: 1597

Re: Advice On Moving Up In House

Seems like you guys are in good shape. A different house at this point may only cause you problems/complications.
by jtravisdavid
Wed May 10, 2017 4:17 pm
Forum: Investing - Help with Personal Investments
Topic: Various Tax Exempt Funds....
Replies: 10
Views: 2191

Re: Various Tax Exempt Funds....

I had a tax exempt scheme similar to yours at one point. Then I finally came around to the logic that a blended portfolio like the one you have listed is practically no different than either simply holding short term or limited term tax exempt by itself. Good luck!
by jtravisdavid
Wed Apr 05, 2017 2:30 pm
Forum: Personal Finance (Not Investing)
Topic: Spending beyond my means, I think..is my budget out of whack?
Replies: 81
Views: 11164

Re: Spending beyond my means, I think..is my budget out of whack?

You feel broke because you have a house on the expensive side. Which you could afford, if you weren't paying for private school. You can't comfortably afford both.
by jtravisdavid
Fri Mar 03, 2017 4:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Total Bond Market Index Fund - Variation in Daily Accrued Income
Replies: 10
Views: 1972

Re: Vanguard Total Bond Market Index Fund - Variation in Daily Accrued Income

I'm not familiar with bond mutual fund accounting, but I do know bonds typically pay interest on the 360/30 method of accounting, which accrues interest as if every month has 30 days. So that could explain why the last day of February has a larger accrual.
by jtravisdavid
Thu Mar 02, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: VASGX .. to stay or go..
Replies: 29
Views: 3855

Re: VASGX .. to stay or go..

VASGX is my only holding in my tax deferred accounts. Although I could easily meet the criteria for the Admiral shares of the underlying funds, or buy the ETF equivalents, I feel like the nature of the LifeStrategy funds is both more convenient and helps to eliminate any potential behavioral "tweaki...
by jtravisdavid
Fri Feb 17, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Please critique my plan and portfolio (tax efficiency)
Replies: 6
Views: 938

Re: Please critique my plan and portfolio (tax efficiency)

$600k in cash and an $85k mortgage? I would pay it off! The rest of your plan looks good.
by jtravisdavid
Fri Feb 10, 2017 11:33 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Portfolio Checking In, Age 35 - part IV
Replies: 11
Views: 1905

Re: Investment Portfolio Checking In, Age 35 - part IV

Looks pretty good to me. Regarding your VSS questions, it is so small, are you sure it's worth messing with? Also, have you ever considered VT for your taxable portfolio? Might help with your simplification question. You are doing great.
by jtravisdavid
Fri Jan 06, 2017 11:24 am
Forum: Personal Finance (Not Investing)
Topic: Backdoor Roth issue using Federal MMF
Replies: 27
Views: 2773

Re: Backdoor Roth issue using Federal MMF

I just completed my 2017 Backdoor Roth conversion. The process was a cluster compared to last year...my account was converted to one of the "upgraded" brokerage accounts in mid 2016....wish I could go back to the old account type...
by jtravisdavid
Sat Dec 31, 2016 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Comment on my portfolio and situation
Replies: 7
Views: 1088

Re: Comment on my portfolio and situation

Typically the advice is to have stocks in your Roth because of the potential for tax free growth...I would consider increasing stocks in the Roth with an offsetting decrease in the 401k...other than that looks good! I would not pay off the mortgage but let the taxable dividends service it.
by jtravisdavid
Wed Nov 30, 2016 9:38 pm
Forum: Investing - Theory, News & General
Topic: Benefits of TLH Intermediate Muni Tax exempt
Replies: 26
Views: 3722

Re: Benefits of TLH Intermediate Muni Tax exempt

TLH and sell into limited term tax exempt.
by jtravisdavid
Sun Nov 13, 2016 11:22 pm
Forum: Investing - Help with Personal Investments
Topic: Warren Buffett Does Recommend The 90/10 Portfolio
Replies: 30
Views: 5885

Re: Warren Buffett Does Recommend The 90/10 Portfolio

OP: I have read all of the Berkshire annual letters multiple times. I agree that 90/10 is what he recommends to investors, with the caveat that they must be able to maintain the allocation during thick and thin. He would not recommend 90/10 to anyone who demonstrated they could not stick to the allo...
by jtravisdavid
Sun Oct 23, 2016 9:38 pm
Forum: Personal Consumer Issues
Topic: Anyone have dish network hopper 3
Replies: 3
Views: 691

Re: Anyone have dish network hopper 3

i moved about 6 months ago from directv (genie) to the hopper 3...the additional tuners are nice, and my bill is slightly lower, but the dish hardware is a little buggy in my experience. I get way more freezing and stuttering with the hopper 3. If I had to do it over again I'd probably stay with dir...
by jtravisdavid
Mon Oct 10, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2016
Replies: 90
Views: 10726

Re: Best Albums of 2016

Petro,

Agree. Sturgill and Frank Ocean albums are both very good. I would suggest Rob Baird / Wrong Side of the River. His 2012 album is excellent too.

Spotify is an excellent service.
by jtravisdavid
Tue Oct 04, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: What you guys do with the bonus
Replies: 59
Views: 6784

Re: What you guys do with the bonus

For bonuses, I typically try to save/invest a third, pay down debt with a third, and spend a third.
by jtravisdavid
Sat Jul 30, 2016 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: 3-Year Investment Update
Replies: 2
Views: 677

Re: 3-Year Investment Update

You are 28 years old and worth close to a million dollars. I don't think you need to change a thing...
by jtravisdavid
Thu Jun 30, 2016 1:11 pm
Forum: Investing - Help with Personal Investments
Topic: VBINX still relevant [Vanguard Balanced Index Fund]
Replies: 23
Views: 1561

Re: VBINX still relevant [Vanguard Balanced Index Fund]

OP, check your statement and let us know the following:

1. How many shares did you purchase in June 2014 and and what price?
2. How many shares do you currently own?
by jtravisdavid
Fri May 27, 2016 5:32 am
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 117
Views: 8126

Re: What was your first investment?

I was a Sophomore in college. First investment was the SPY ETF in a Datek account. Purchased in late September 2001 a week or two after the markets reopened.

About a year later I moved from Datek to Vanguard and bought VFINX and STAR.
by jtravisdavid
Thu May 26, 2016 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: US REIT P/E seem high - buy anyway for diversification?
Replies: 39
Views: 3347

Re: US REIT P/E seem high - buy anyway for diversification?

P/E is skewed in REITS because of the large amount of depreciation. Better to use FFO to get a more meaningful number.
by jtravisdavid
Wed May 25, 2016 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for my daughter
Replies: 39
Views: 3169

Re: Advice for my daughter

In general, I am not opposed to your daughter's idea of buying rental property. Given her current financial position and the fact that she wants to pay cash for a property, I'm even more supportive of the idea. Surely you don't think rental property is a worse place to put money than cash. She's go...
by jtravisdavid
Wed May 25, 2016 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Exchange from Lifestrategy to Target Date
Replies: 15
Views: 1935

Re: Exchange from Lifestrategy to Target Date

I would suggest you start contributing new funds to the Target Date fund, and set the LS fund distributions to reinvest into the Target fund. But if you have an unrealized gain on the LS fund, I would not sell unless you have offsetting losses somewhere else.
by jtravisdavid
Mon May 02, 2016 3:33 pm
Forum: Personal Consumer Issues
Topic: Wine Purchase Question
Replies: 32
Views: 3154

Re: Wine Purchase Question

I suggest Joel Gott 815 Cab....
by jtravisdavid
Thu Apr 21, 2016 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Cannot Pay Huge Tax Burden
Replies: 107
Views: 11765

Re: Cannot Pay Huge Tax Burden

I ran some numbers for you. I assumed that your SO will pay just the interest on this loan of $200k at 7%, or $14,000 per year. You are concerned that your SO will owe income tax on the value of the forgiven loan after 20 years - which will be valued at $200k at the end. So, your SO might owe $60k ...
by jtravisdavid
Mon Apr 18, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: Is Vanguard High-Yield Tax-Exempt really a high yield fund?
Replies: 12
Views: 1898

Re: Is Vanguard High-Yield Tax-Exempt really a high yield fund?

Taylor: I believe the credit quality allocations you listed are for the High Yield Corporate fund. Below are the allocations for the High Yield Tax Exempt Fund (per Vanguard). I believe anything rated BBB or better is considered "investment grade". AAA 5.3% AA 30.1% A 35.7% BBB 15.5% BB 3.3% B or Lo...
by jtravisdavid
Thu Apr 07, 2016 6:10 am
Forum: Investing - Help with Personal Investments
Topic: What Muni Bond to Buy VWALX or VWLUX?
Replies: 14
Views: 4351

Re: What Muni Bond to Buy VWALX or VWLUX?

I own some muni funds, but I wouldn't sell stocks with a gain in my taxable account to buy them. No reason to pay unnecessary capital gains taxes. And a $75 fee to buy? Ouch.
by jtravisdavid
Thu Apr 07, 2016 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage payment same day as closing?
Replies: 8
Views: 1185

Re: Mortgage payment same day as closing?

Can you go ahead and make the payment early?
by jtravisdavid
Tue Apr 05, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Is Liberty Mutual a good company for Auto Insurance?
Replies: 32
Views: 13980

Re: Is Liberty Mutual a good company for Auto Insurance?

I just moved from Allstate to Liberty Mutual last month. Liberty's auto pricing was similar to GEICO. ($1,300/yr vs $1,900/yr from Allstate). I went with Liberty over GEICO because they had a better deal for my home insurance.
by jtravisdavid
Thu Mar 31, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: Mold in Our Rental
Replies: 5
Views: 1277

Re: Mold in Our Rental

I would just tell the landlord I was moving and expected my deposit back.
by jtravisdavid
Wed Mar 23, 2016 8:18 am
Forum: Personal Consumer Issues
Topic: Dishwasher recommendation.
Replies: 44
Views: 5168

Re: Dishwasher recommendation.

When we remodeled we put in 2 Bosch's in our kitchen. They are great. I would also suggest looking at buying them from AJ Madison. Dirt cheap, free delivery, and no sales tax.
by jtravisdavid
Thu Mar 10, 2016 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Liquidate life savings and investments to buy a business
Replies: 23
Views: 2868

Re: Liquidate life savings and investments to buy a business

I have several friends who have made great money buying smaller agencies. From what I hear 3X gross is an above-market price multiple.
by jtravisdavid
Fri Mar 04, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Bonus taxed at 44.46%?
Replies: 39
Views: 9268

Re: Bonus taxed at 44.46%?

If your marginal tax rate is 28%, add 7.5% FICA and 9% NJ state tax. Gets you to 44% pretty quick.
by jtravisdavid
Sun Jan 31, 2016 12:56 pm
Forum: Investing - Theory, News & General
Topic: Hedge Funds blame Index funds: Bogleheads referenced
Replies: 80
Views: 10341

Re: Hedge Funds blame Index funds: Bogleheads referenced

I read Ackman's entire letter and feel like he does have a point about the indexes needing to take responsibility for corporate governance of the companies they own large pieces of. I am also confused by Maynard's performance chart of PSH as Ackman's January 2016 letter indicates PSH was formed in 2...
by jtravisdavid
Sat Jan 23, 2016 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: quicken 2016 upgrade DONT!
Replies: 15
Views: 3002

Re: quicken 2016 upgrade DONT!

I upgraded from 2013 to 2016 about 2 months ago. While I did not have your problem importing my file, the 2016 version seems to crash and freeze more than my last version.