Bogleheads.org

PrettyCoolWorkshop

The only reason I am averse to putting money in Vanguard's Total World Index is that the expense ratio is .18%, which is a bit higher than other Vanguard offerings. I feel like I'm making a mountain out of a molehill though.

PrettyCoolWorkshop

Here's an update for you guys. Despite the majority of Bogleheads' advice going against my desires, I went ahead and bought the townhouse with the 15 year mortgage. I'm now married to the GF (who is also now working), and the roommates are working out well. I know it may sound strange to you guys, b...

PrettyCoolWorkshop

The companies that pursue equity crowdfunding are the companies that were not able to raise funds by any other fundraising mechanism. That should be a warning that the smart money is staying far away.

PrettyCoolWorkshop

I have found it pretty easy to make hot sauce from scratch. Pick up half a dozen habenero peppers, stem and halve them, toss some oil on them, and roast them in the oven for a bit. Transfer to saucepan and saute while adding a whole head of garlic, a whole onion, and then some white vinegar(or red w...

PrettyCoolWorkshop

If you have paid with non-HSA funds for prior approved expenses and kept your receipts, then you can pull out the amount of the receipts from your HSA at any point in the future. This is a strategy many people use to hack the HSA into another retirement account. MadFientist has written up about that...

PrettyCoolWorkshop

It is unlikely that you could benefit from paying the gains now. The only situation where it could benefit you is if you are in a low (0 or 15%) capital gains tax bracket currently, and anticipate that in future years you will be in a high capital gains tax bracket (20%). This is called "capital gai...

PrettyCoolWorkshop

Thanks for the replies guys. Being "educated" by all the marketing information is fairly neuroticism-inducing.

PrettyCoolWorkshop

Hello forum folks. I recently went through the gauntlet of researching and purchasing a mattress for the wife and I. Especially with the new online bed-in-a-box companies that are everywhere nowadays, and the referral-based distributed marketing ecosystem that has sprung up, misinformation is everyw...

PrettyCoolWorkshop

I took my car 2 different shops, one said the valve behind the dashboard is stuck and my freon is full to the top so no charge needed. This did not make sense because the air volume is good Second place said there is no leakage and freon level is low and they need to fill up freon. So I asked about...

PrettyCoolWorkshop

Probably a Nissan 240sx. That is the car that a lot of drifters buy for cheap so they can modify the heck out of them for cheap.

PrettyCoolWorkshop

I feel like a lot of the repliers are missing one of the main constraints of the problem. I see that the cargo tray has a railing that you must be able to lift over. Does this railing swing open at all, or is it fixed in place? If it is fixed in place, I would either remove this railing or install a...

PrettyCoolWorkshop

As someone who has tutored before, part of my mental calculation for how much to charge is based on the inconvenience of going to the meeting location.

Offer to have your kids meet at the tutor's house or other preferred location instead of your house, and negotiate a discount for this.

PrettyCoolWorkshop

I've got a deep-in-the-weeds, IRS-is-a-pain-in-the-butt sort of question. I sold some shares of ITOT in order to capital loss harvest. I keep all my funds on automatically reinvested dividends. Because a dividend had been paid within the last 30 days, this triggered a wash sale for that small portio...

PrettyCoolWorkshop

I am left wondering whether the negative value premium of recent years is a temporary blip or whether all the outperformance has been "mined" out of the factor.

I am tilted toward small cap value and own BRK.B, so I've got some skin in that game!

PrettyCoolWorkshop

I wish it were easier to keep track of which banks were pouncing fees on their customers. It is a pretty crappy practice. I'm interested to see if these fees will disappear while interest rates rise. I kind of suspect they won't- the customers that are savvy enough to avoid this sort of stuff have a...

PrettyCoolWorkshop

In response to ivk5, I came back to describe the upthread commentary that conflicts with the IRS guidance. However, in doing so, I became confused myself, mostly because of the terribleness of the English language. This is the comment that I thought was wrong enough to matter: If you sell at a loss,...

PrettyCoolWorkshop

I think that the best thing to do here is post directly from the IRS Publication 550 available here: https://www.irs.gov/publications/p550#en_US_2016_publink100010601 Please note that this is an authoritative source and that a lot of what people posting here is in disagreement with it! Example 1. Yo...

PrettyCoolWorkshop

Greetings all. I am in a position this year where it is wise/necessary to collect some substantial capital gains. I plan to spread the gains over the end of this year and the beginning of the next to minimize taxes. I know how to target/avoid high tax brackets, but I know very little of how to model...

PrettyCoolWorkshop

It sounds like you've paid >100% of last years taxes already. So assuming your AGI is under $150,000 you should have a safe harbor. An additional safe harbor is paying at least 90% of the taxes due for the year so that should cover you too. If AGI exceeds $150,000 for 2017, does the safe harbor for...

PrettyCoolWorkshop

Hope you guys are having a good Friday afternoon. I've got a tax question that I would like help with! I don't think it's too bad of a question, but is keeping me up a bit at night. Since the start of the year, I have known that I would have considerable rental and dividend income (>$4000 at 25% mar...

PrettyCoolWorkshop

A couple of years ago, the ABLE account was introduced in the United States. This allows disabled individuals to save up $100,000 in the account (if I recall correctly). This money can be used towards living expenses, transportation, education, and some other qualifying expenses. The rules for ABLE ...

PrettyCoolWorkshop

Thanks for the replies everyone. Within my Vanguard accounts, I only own Vanguard ETF's and mutual funds. They are labelled as "brokerage accounts" when viewed on the website.

PrettyCoolWorkshop

Howdy Bogleheads. My fiancee is graduating college and entering the workforce as a programmer with an investment bank soon (this January). Good news all around, she worked there as an intern last summer and enjoyed the work and the people. She recently got her offer letter, which contained the follo...

PrettyCoolWorkshop

The optimal use of an HSA is as a stealth retirement account. Research on http://www.madfientist.com to learn more about this strategy. I would invest your HSA balance if possible and pay your healthcare costs out of your taxable accounts (keep your receipts!).

PrettyCoolWorkshop

Hey Bogleheads! I've got an idea for a thread that I think would be interesting, so I will go ahead and start it off. What are your favorite portfolio tilts? These can be a tilt toward a particular sector, toward a particular factor, anything. They should hopefully be backed up by evidence that the ...

PrettyCoolWorkshop

Thanks for the advise so far guys. After digging through the reference information you've provided I have a hunch that for the studious investor, the best fee scenario you can obtain in the HSA industry is worse than the best fee scenario you can obtain in your 401k/IRA/taxable accounts. For example...

PrettyCoolWorkshop

Howdy Bogleheads.I have some questions regarding HSA accounts. I currently have two HSA accounts- one through my current employer, and one from my previous employer. I have built up ~$3000 in cash in the account at the current employer, but I have been hesitant to invest this money, because there is...

PrettyCoolWorkshop

Something doeosn't make sense here: First, you said: ... so the insurance premiums are around $150 per month for basic liability ($30,000/$60,000 per NC minimum). Now you wrote: I also just got done purchasing insurance from Nationwide for $100.53 per month with $100k bodily injury/ $300k max per a...

PrettyCoolWorkshop

Does your girlfriend live with you? If so, I believe dropping her coverage would mean that she wouldn't be able to drive any of your cars even occasionally (let's say driving you back from a bar) as my understanding is that any driver that lives at the same address needs to be a named insured. I al...

PrettyCoolWorkshop

Your whole plan is VERY RISKY. I am 27 in North Carolina and getting auto insurance for the first time (moving off of my parents' plan). I have a 1998 Honda Accord, and I also bought a 2008 kia rio this week. I bought the kia for my girlfriend to be able to commute to her paid summer internship (Co...

PrettyCoolWorkshop

Hello Bogleheads, I have some auto insurance questions! I am 27 in North Carolina and getting auto insurance for the first time (moving off of my parents' plan). I have a 1998 Honda Accord, and I also bought a 2008 kia rio this week. I bought the kia for my girlfriend to be able to commute to her pa...

PrettyCoolWorkshop

A question for those of us that really enjoy untwisting tax puzzles :D This specific puzzle is: how much of my home can I depreciate, given the fact that I am renting out rooms in my primary residence? I purchased a 3 bedroom townhouse in 2016 and began renting out 2 of the bedrooms, and living in t...

PrettyCoolWorkshop

I recently got a new job, and with it, of course, comes the confuse-ocracy of new HSA and 401k accounts. The 401k looks like a fairly decent low-fee provider (T. Rowe Price), but after starting to dig into the details of the HSA they make me irritated. I want to use my HSA as a stealth retirement ac...

PrettyCoolWorkshop

I would not depend on rent for a primary home. Perhaps you might decide to do it in the future, but that would be when you can afford not to do it if you choose not to. You and GF will have enough adjusting to do, even without two extra persons in your home full time. I think part of my question th...

PrettyCoolWorkshop

Thanks for all the replies, I hope they continue. I've confirmed that the HOA does allow room rentals, their only stipulation is that the leases must be at least 12 months. Talking with the HOA manager he admitted this rule is not enforced, but I would use 12 month leases anyway (they do make a lot ...

PrettyCoolWorkshop

HomoLudens wrote:I have a question for the OP: Does the HOA allow for renting out separate rooms in the townhouse? Some HOA impose restrictions in their bylaws so it's a good idea to check in advance. Checking the flood map is also a good idea.

Excellent question about the HOA- I will have to check.

PrettyCoolWorkshop

I would say, Wait until you have settled into your job a few years, your girlfriend has a job, and you get married or maybe even wait till you have a child. I would not depend on rent for a primary home. Perhaps you might decide to do it in the future, but that would be when you can afford not to d...

PrettyCoolWorkshop

furikake wrote:And the extra utilities you will pay for for the additional 3 people...

Except for my girlfriend, who I'll be supporting (for food + essentials, her parents are covering education costs) everyone will pay their share (1/4) of utilities.

PrettyCoolWorkshop

Hey guys, I'm here to seek feedback regarding me potentially purchasing a home, at the same time as I'm moving to a new job. I graduated college in December 2012 at age 22 with $30k saved up, I was already an agressive saver from summer jobs as a teenager and engineering internships (gratefully my p...

PrettyCoolWorkshop

If it is not worth it to go long on XIV, because of the risks associated when large market swings occur, I have a related question-

Is it a good idea to maintain a short position in VXX, which behaves in an opposite manner to XIV? Right now I do this already, with about 3-4% of my portfolio.

PrettyCoolWorkshop

As others have said, going for an inverse ETF is a bad idea. I propose that there may be a decent argument for owning a short position in certain inversely-correlated ETF's. For example, the fund VXX suffers heavy losses over time due to the cost of rolling the volatility futures contracts it holds ...

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