Search found 62 matches

by markettracker
Tue Jul 31, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Are women worse at investment?
Replies: 24
Views: 1747

Re: Are women worse at investment?

The answer to this kind of question is always “no”.
by markettracker
Tue Jul 31, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Questions
Replies: 13
Views: 1391

Re: Auto Insurance Questions

Do you need UM/UIM? On one extreme, there are posters who say it's useless if you have adequate health/life/disability insurance. On the other extreme, there are posters who argue everyone should want as much pain and suffering compensation as possible, without ever quite explaining why auto accide...
by markettracker
Tue Jul 31, 2018 6:26 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Questions
Replies: 13
Views: 1391

Re: Auto Insurance Questions

pshonore wrote:
Mon Jul 30, 2018 12:21 pm
Umbrella policies usually pay for a claim against you. My guess (without looking in detail at Geico's website) is those coverages you mentioned protect you from uninsured or underinsured drivers who are at fault.
Gotcha - yes, those benefits I listed cover me and my passengers.
by markettracker
Tue Jul 31, 2018 6:24 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Questions
Replies: 13
Views: 1391

Re: Auto Insurance Questions

It does not Then I would tend to say "no" you don't need those extra coverages but if it were me, I'd call geico and propose the scenario to them... ie "It seems to me that my umbrella policy should kick in if the personal injury on my auto insurance isn't enough... is that your interpretation?" an...
by markettracker
Mon Jul 30, 2018 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Questions
Replies: 13
Views: 1391

Re: Auto Insurance Questions

doneat53 wrote:
Mon Jul 30, 2018 11:43 am
In my world... I have two teenage sons. They are the biggest risk and liability on my auto insurance policy and why I have an umbrella as well. So the answer to your question is one of risk tolerance and depends on whether your risk profile includes teenage drivers.
It does not
by markettracker
Mon Jul 30, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Questions
Replies: 13
Views: 1391

Auto Insurance Questions

I am trying to decipher what kind of auto insurance is necessary for me. I should mention that in addition to auto insurance I have an umbrella policy. I also live in a state where there is a minimum personal injury protection coverage. My fundamental question is whether I need any of the following ...
by markettracker
Sun Jul 29, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Best budgeting tool? YNAB or something new?
Replies: 2
Views: 655

Re: Best budgeting tool? YNAB or something new?

YNAB is now online and cloud based!
by markettracker
Sun Jun 10, 2018 6:56 am
Forum: Personal Consumer Issues
Topic: How much to spend on daycare?
Replies: 46
Views: 4566

Re: How much to spend on daycare?

We’ve had experience with a few different daycares, including one that had mediocre facilities but was structured well and one with great facilities that was a little disorganized. I realized that structure (and organization) is more important, because it fed into how we got information about our ch...
by markettracker
Wed Jun 06, 2018 2:29 pm
Forum: Investing - Theory, News & General
Topic: Total Bond - SEC yield breaks 3%
Replies: 104
Views: 15596

Re: Total Bond - SEC yield breaks 3%

Based on the current status of the market, money currently in the TBM fund will yield 3% going forward. Over the course of the next ten years, this is very likely going to be the approximate annual return that you as an investor will get. Yes, if rates keep going up, the principal value of your bon...
by markettracker
Wed Feb 07, 2018 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Land Value in Apartment Building (Business Use of Home)
Replies: 2
Views: 329

Land Value in Apartment Building (Business Use of Home)

I bought an apartment last year. While doing my taxes, I hit the step in the business use of home form where it asked for the land value. Do apartment buildings have land value? How do I find out this information?
by markettracker
Thu Nov 02, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: tax law - when does mortgage need to be entered to avoid $500k interest deduction cap?
Replies: 9
Views: 1434

Re: tax law - when does mortgage need to be entered to avoid $500k interest deduction cap?

Would the proposed limit apply to the lifetime of the mortgage, or just while the amount is over the limit?
by markettracker
Wed May 17, 2017 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Should I Use an Independent Broker for Life Insurance
Replies: 1
Views: 313

Should I Use an Independent Broker for Life Insurance

I am looking to buy term life insurance. Should I contact an independent broker, or is using a site like https://www.term4sale.com good enough?
by markettracker
Thu Mar 30, 2017 6:48 am
Forum: Personal Finance (Not Investing)
Topic: What if no taxes were paid on 1099DIV qualified dividends?
Replies: 23
Views: 2029

Re: What if no taxes were paid on 1099DIV qualified dividends?

Don't they keep copies of their previous returns? Take a look through them.
by markettracker
Mon Jan 23, 2017 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: Refuse to pay California State Tax—what can they do ?
Replies: 16
Views: 4610

Re: Refuse to pay California State Tax—what can they do ?

I think a CPA could sort this out pretty easily.
by markettracker
Wed Jan 11, 2017 7:09 am
Forum: Personal Investments
Topic: $600,000. Now what?
Replies: 55
Views: 12472

Re: $600,000. Now what?

Having just gone through a mortgage approval, I think stocks and dividends are seen as assets, but not income. The rules may be more flexible for a veteran, however.
by markettracker
Mon Jan 09, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Question on Tax Returns Regarding New Address
Replies: 1
Views: 331

Question on Tax Returns Regarding New Address

I will likely be moving around March / April this year. I plan to wait to file my 2016 return until after I move. However, I have an amended 2015 return to file. Should I file it now with my current address, or wait until I move and file with the new address?
by markettracker
Tue Nov 22, 2016 7:33 am
Forum: Personal Finance (Not Investing)
Topic: Switching to HDHP
Replies: 2
Views: 434

Switching to HDHP

Currently my wife and I are on separate PPO plans with FSA's. Next year she will be coming on to my plan, which will be a HDHP with HSA. My FSA is empty while hers has some money left in it. What happens if she doesn't spend it down before the end of the year?
by markettracker
Tue Nov 08, 2016 3:43 pm
Forum: Personal Consumer Issues
Topic: Rent Airbnb house that is actively for sale?
Replies: 4
Views: 1090

Re: Rent Airbnb house that is actively for sale?

I've done Airbnb a few times with good results. I would never consider one that does not have a good amount of informative reviews, however.
by markettracker
Thu Oct 27, 2016 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Double Check my HSA vs PPO Logic
Replies: 1
Views: 288

Double Check my HSA vs PPO Logic

It's open enrollment time and I am looking for some help on my logic. Here are the scenarios I have come up with: 1) Fees + deductible only: PPO cheaper by less than $1000. 2) Attempt at projecting next years expenses: PPO cheaper by less than $1000. 3) Fees + OOP max: HDHP cheaper by about $1500 Ri...
by markettracker
Sat Oct 08, 2016 6:49 am
Forum: Personal Investments
Topic: Should I Start an Account at TIAA-CREF?
Replies: 9
Views: 1439

Re: Should I Start an Account at TIAA-CREF?

I don't see any downside to it, and like you said it gives you access to Traditional and Real Estate. What are the other funds available? I'm always curious to see the different plans because the options vary dramatically between plans. There are a handful of R3 funds and institutional lifecycle fu...
by markettracker
Sat Oct 08, 2016 6:44 am
Forum: Personal Investments
Topic: Should I Start an Account at TIAA-CREF?
Replies: 9
Views: 1439

Re: Should I Start an Account at TIAA-CREF?

I would at least have a small amount so that you have accounts open, either for use now, or possibly later. If you're, say 30, Traditional might not be a big deal, so you could funnel 10k into it, but then when you 50, you might roll 100k into it as you reduce risk (for example) This was a little b...
by markettracker
Fri Oct 07, 2016 3:09 pm
Forum: Personal Investments
Topic: Should I Start an Account at TIAA-CREF?
Replies: 9
Views: 1439

Should I Start an Account at TIAA-CREF?

My employer allows retirement contributions to either vanguard or TIAA-CREF. I currently have all my funds going to vanguard. I am wondering if it is worth it to start directing some funds to TIAA-CREF, where I have access to their real estate fund and a liquid Traditional fund.
by markettracker
Thu Oct 06, 2016 7:49 am
Forum: Personal Finance (Not Investing)
Topic: Moving From Quicken: Moneydance, YNAB, GnuCash or other?
Replies: 38
Views: 13987

Re: Moving From Quicken: Moneydance, YNAB, GnuCash or other?

I love YNAB for budgeting, but I am not comfortable with moving to the cloud version. When the non-cloud version eventually stops working, I'll move to something else. Is your discomfort related to cloud storage or some other aspect of the program? The storage aspect - I don't like the idea of stor...
by markettracker
Thu Oct 06, 2016 6:29 am
Forum: Personal Finance (Not Investing)
Topic: Moving From Quicken: Moneydance, YNAB, GnuCash or other?
Replies: 38
Views: 13987

Re: Moving From Quicken: Moneydance, YNAB, GnuCash or other?

I love YNAB for budgeting, but I am not comfortable with moving to the cloud version. When the non-cloud version eventually stops working, I'll move to something else.
by markettracker
Wed Oct 05, 2016 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: The 3 D's: Debt, Dave, Depression (mild)
Replies: 45
Views: 6272

Re: The 3 D's: Debt, Dave, Depression (mild)

I grew up in a Dave Ramsified home and always stuck to staying out of debt and living below my means. However, recently I decided to take out $10k in student loans to attend grad school for data analytics (employer is paying the remaining 20k) and have literally had a stomach ache over it. I could ...
by markettracker
Mon Sep 26, 2016 9:01 am
Forum: Personal Investments
Topic: Yet another Roth question
Replies: 8
Views: 1046

Re: Yet another Roth question

Don't forget to factor in NY State taxes.
by markettracker
Fri Sep 23, 2016 8:22 am
Forum: Investing - Theory, News & General
Topic: TIAA traditional and real estate
Replies: 17
Views: 2417

Re: TIAA traditional and real estate

I have the option to put my 403b into either Vanguard or TIAA. Right now it's all in Vanguard, however I have lately been wondering if it's worth it to start adding to TIAA to take advantage of the liquid TIAA Traditional fund as part of my fixed income AA. Given the chart from the above article, ar...
by markettracker
Sun Sep 18, 2016 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Account for Toddler
Replies: 34
Views: 4144

Re: Account for Toddler

If the account is in my name, is it possible to deposit checks that are written out to the child?
by markettracker
Thu Sep 15, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Account for Toddler
Replies: 34
Views: 4144

Re: Account for Toddler

My toddler gets some birthday and holiday money, which I would like to put into an index fund and turn over at some point (or use it for an allowance when ready). I am trying to decide between an account in my name, a joint account with me and my child, or a UTMA. I value simplicity a lot, so I am ...
by markettracker
Thu Sep 15, 2016 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Account for Toddler
Replies: 34
Views: 4144

Account for Toddler

My toddler gets some birthday and holiday money, which I would like to put into an index fund and turn over at some point (or use it for an allowance when ready). I am trying to decide between an account in my name, a joint account with me and my child, or a UTMA. I value simplicity a lot, so I am l...
by markettracker
Sun Sep 11, 2016 7:23 am
Forum: Personal Investments
Topic: Why are Treasury prices AND Stock prices both down today?
Replies: 45
Views: 9529

Re: Why are Treasury prices AND Stock prices both down today?

There be three things which are too wonderful for me, yea, four which I know not: The way of an eagle in the air; the way of a serpent upon a rock; the way of a ship in the midst of the sea; and the daily movements of prices in a securities market. --Ancient Hebrew text, adapted. Who can explain it...
by markettracker
Tue Jul 26, 2016 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Student loan: 1.9% variable vs. 2.625 fixed?
Replies: 10
Views: 1672

Re: Student loan: 1.9% variable vs. 2.625 fixed?

My state is currently offering a student loan repayment/consolidation plan in which I am eligible to consolidate my student loans at 1.9% variable . My current loans: Loan #1) $28,000 at 2.4 % variable Loan #2) $12,000 at 2.625% fixed . Option #1) Combine both loan #1 and 2 into the new program for...
by markettracker
Mon Jul 25, 2016 11:02 am
Forum: Personal Consumer Issues
Topic: My experience with "older" used car
Replies: 59
Views: 10798

Re: My experience with "older" used car

Certified pre-owned has become so expensive that I can't figure out how they sell any of them. We were looking for a gently used lease turn in car, they're just not cost effective. We bought a new CR-V for around $22,000 at the end of the model year. Assuming we keep it for 8 years, that's $2750 pe...
by markettracker
Mon Jul 25, 2016 10:59 am
Forum: Investing - Theory, News & General
Topic: King Solomon was the original Boglehead - historically speaking
Replies: 28
Views: 3016

Re: King Solomon was the original Boglehead - historically speaking

"Sow your seed in the morning, and at evening let your hands not be idle, for you do not know which will succeed, whether this or that, or whether both will do equally well." (AA, diversification) Sorry I didn't see how sowing seed in the morning is AA or diversification. Sounds like market timing ...
by markettracker
Wed Jun 29, 2016 8:25 am
Forum: Investing - Theory, News & General
Topic: Switching to Fidelity's new Total International Index (includes small cap!)
Replies: 91
Views: 28588

Re: Switching to Fidelity's new Total International Index (includes small cap!)

Out of curiosity, how does it work when a new mutual fund is created? Do they have initial capital that customer money gets added to, or do they buy up stocks as money flows in? Are there tracking errors caused by a large influx of money?
by markettracker
Fri Mar 18, 2016 11:39 am
Forum: Personal Investments
Topic: Contribute to 2015 Roth or 2016 401k?
Replies: 7
Views: 1111

Re: Contribute to 2015 Roth or 2016 401k?

We didn't max out our 401ks last year and won't this year either (most likely). Our e-fund is OK. For what it's worth, both our 401ks have great, low-cost index options.
by markettracker
Fri Mar 18, 2016 7:17 am
Forum: Personal Investments
Topic: Contribute to 2015 Roth or 2016 401k?
Replies: 7
Views: 1111

Contribute to 2015 Roth or 2016 401k?

I am MFJ in the 25% federal tax bracket and live in NYC, so I have state and city tax as well. I have money set aside to make a 2015 Roth contribution, but I'm wondering if it makes more sense to up our 2016 401k contribution by that amount. We do not qualify for deductible tira. What do you think?
by markettracker
Thu Feb 18, 2016 1:34 pm
Forum: Investing - Theory, News & General
Topic: Buy According to AA but Never Rebalance
Replies: 40
Views: 3065

Re: Buy According to AA but Never Rebalance

I think I may have phrased my question awkwardly - what I am wondering about is essentially not having an overall AA, but rather an amount you are willing to put into the stock market vs bonds. So there is no target AA to maintain, just a split of where to commit new money. I don't actually do this...
by markettracker
Thu Feb 18, 2016 10:09 am
Forum: Investing - Theory, News & General
Topic: Buy According to AA but Never Rebalance
Replies: 40
Views: 3065

Re: Buy According to AA but Never Rebalance

You need to say more about your motivations. The only thing I can think of that makes any sense is an extreme aversion to spending time maintaining the portfolio combined with a hatred of target-date funds and other funds that automatically rebalance. With this hypothetical plan you could conceivab...
by markettracker
Thu Feb 18, 2016 9:40 am
Forum: Investing - Theory, News & General
Topic: Buy According to AA but Never Rebalance
Replies: 40
Views: 3065

Re: Buy According to AA but Never Rebalance

I think I may have phrased my question awkwardly - what I am wondering about is essentially not having an overall AA, but rather an amount you are willing to put into the stock market vs bonds. So there is no target AA to maintain, just a split of where to commit new money. I don't actually do this,...
by markettracker
Thu Feb 18, 2016 9:11 am
Forum: Investing - Theory, News & General
Topic: Buy According to AA but Never Rebalance
Replies: 40
Views: 3065

Buy According to AA but Never Rebalance

Just wondering if there is any merit to buying according to your asset allocation, but never rebalancing beyond that. So no matter how far off the allocation you get, new money is always put in at your current AA. In this method, the role of the AA is how much of your money you are willing to put in...
by markettracker
Tue Jan 26, 2016 8:24 pm
Forum: Investing - Theory, News & General
Topic: "The Index Mutual Fund: 40 Years of Growth, Change and Challange" by Jack Bogle
Replies: 12
Views: 2607

Re: "The Index Mutual Fund: 40 Years of Growth, Change and Challange" by Jack Bogle

If you bought a share of that first index fund, how much would it have grown to today?
by markettracker
Fri Jan 22, 2016 7:02 am
Forum: Investing - Theory, News & General
Topic: Asymmetric Rebalance Bands in Accumulation Phase
Replies: 5
Views: 562

Asymmetric Rebalance Bands in Accumulation Phase

I am in the accumulation phase and follow a 5/25 rebalancing band trigger (which I haven't hit yet). It is very tempting to sell some bonds for stocks now, which would be closer to a 2.5% rebalance band trigger. Is this a good/bad idea? Just another example of market timing?
by markettracker
Mon Dec 21, 2015 11:21 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan Total Market Capital Gains Distribution
Replies: 15
Views: 2476

Fidelity Spartan Total Market Capital Gains Distribution

Does anyone know why Fidelity Spartan Total Market (FSTVX) had a capital gain distribution this year? It looks like this is the first time since 2010 they made one.
by markettracker
Sun Oct 18, 2015 6:49 am
Forum: Personal Investments
Topic: Maximum limit for Fido Ex-US Index (FSGDX)?
Replies: 26
Views: 2510

Re: Maximum limit for Fido Ex-US Index (FSGDX)?

livesoft wrote:I have been lied to by Fidelity reps on 4 separate occasions about FSGDX. That's one reason I moved my money from FSGDX.
What else did they say and what fund did you exchange into?
by markettracker
Sun Aug 09, 2015 11:36 am
Forum: Investing - Theory, News & General
Topic: CDs vs. treasury bonds
Replies: 101
Views: 13502

Re: CDs vs. treasury bonds

Except for inside 401k plans where CDs not an option we almost never buy Treasuries or funds that buy them, except for small amounts for liquidity. Without question for individual investors CDs are almost always a superior choice. Not only eliminate the mutual fund fees that one occurs if not buyin...
by markettracker
Thu Jul 16, 2015 12:40 pm
Forum: Personal Investments
Topic: Financial Review - 29 & 28 Year Old Married Couple
Replies: 14
Views: 2434

Re: Financial Review - 29 & 28 Year Old Married Couple

To help avoid replacement shares: (1) turn off all reinvested distributions in taxable accounts, (2) turn off reinvested distributions for the same funds (as in taxable) held in any family account, and (3) coordinate with spouse before TLHing (to ensure spouse was not buying shares---considered rep...
by markettracker
Wed Jul 15, 2015 7:28 am
Forum: Personal Investments
Topic: Backdoor Roth with Rollover IRA
Replies: 2
Views: 457

Backdoor Roth with Rollover IRA

If I have a rollover IRA that is all pre-tax, is it possible to do a backdoor Roth? Can I open a new tira account to do so? Would I have to roll my existing ira into my 401k first?
by markettracker
Sat Jul 11, 2015 10:30 am
Forum: Investing - Theory, News & General
Topic: Intermediate Treasury Bond Fund
Replies: 16
Views: 3824

Re: Intermediate Treasury Bond Fund

I see a lot of posts by folks that want to avoid too much exposure to treasures. What is the reasoning behind this? Is it related to risk or return?
by markettracker
Fri Jul 10, 2015 8:17 am
Forum: Investing - Theory, News & General
Topic: Are Treasury bonds in a "bubble"?
Replies: 17
Views: 3933

Re: Are Treasury bonds in a "bubble"?

I asked this in another thread, but this one is a bit more on topic - what is the reasoning behind avoiding too many treasury's in your bond allocation? Is it risk / bubble related or is it due to lower potential returns vs a more diversified set of bonds?