Search found 5497 matches

by inbox788
Wed Oct 10, 2018 12:33 am
Forum: Investing - Theory, News & General
Topic: Kid already in 9th grade, too late to start 529?
Replies: 14
Views: 1671

Re: Kid already in 9th grade, too late to start 529?

Do you have taxable investments? If you shift your taxable investments to 529, you can get tax-free gains. I believe you can TLH 529 if there are losses. https://www.bogleheads.org/forum/viewtopic.php?t=137238 It's a similar strategy as emergency fund placement shifting. https://www.bogleheads.org/w...
by inbox788
Tue Oct 09, 2018 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating amount needed for SS bridge
Replies: 50
Views: 2927

Re: Calculating amount needed for SS bridge

Another option could be an immediate annuity. $650k investment, 15 year, period certain, with CPI COLA would give you ~$54k/year where? You could look into one of these "build your own annuity" strategies. https://www.bogleheads.org/forum/viewtopic.php?t=110799 https://www.bogleheads.org/forum/view...
by inbox788
Tue Oct 09, 2018 8:38 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-effective yields for various MM Funds
Replies: 16
Views: 1173

Re: Tax-effective yields for various MM Funds

I think it is too risk for me to concentrate a bunch of money in a single state's bonds. I thought all money market funds were nearly riskless. FWIW, I'm considering CA Muni Long Term Bonds VCLAX 2.82% as a replacement for my Intermediate Term Bonds VCADX 2.38% I just got out of (made about 3% in i...
by inbox788
Tue Oct 09, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Calculating amount needed for SS bridge
Replies: 50
Views: 2927

Re: Calculating amount needed for SS bridge

Another option could be an immediate annuity. $650k investment, 15 year, period certain, with CPI COLA would give you ~$54k/year where? You could look into one of these "build your own annuity" strategies. https://www.bogleheads.org/forum/viewtopic.php?t=110799 https://www.bogleheads.org/forum/view...
by inbox788
Tue Oct 09, 2018 2:20 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Why Emerging Markets Matter
Replies: 82
Views: 6336

Re: Larry Swedroe: Why Emerging Markets Matter

Bogleheads: Vanguard Total Stock Market Index Fund contains: 20.60% Emerging Markets 42.50% Europe 29.60% Pacific 0.40% Middle East 6.60% North America 0.30% Other Strive for simplicity (read link below). Best wishes. Taylor I had no idea that TSM was so underweighted in North America! That seems l...
by inbox788
Tue Oct 09, 2018 1:40 pm
Forum: Investing - Theory, News & General
Topic: Child is HS senior: Should college fund have any equities?
Replies: 28
Views: 2273

Re: Child is HS senior: Should college fund have any equities?

I'm 100% equities. My plan is to hedge using my taxable and tax-deferred retirement plans, so I intend to be almost 100% in equities in the 529, except for about half a year's tuition and expenses. In later high school, I will be shifting the equivalent of 50-75% of the 529 to bonds in my tIRA/401k....
by inbox788
Tue Oct 09, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Tax-effective yields for various MM Funds
Replies: 16
Views: 1173

Re: Tax-effective yields for various MM Funds

Thanks for the corrections! Here is the updated table. Does it look right? The whole 3.8% NIIT applies to VMFXX. Also with VMFXX the exemption from CA taxation is in proportion to the income from US government obligations (66.3% from 2017 from the linked pdf), since the 50% holding threshold is sat...
by inbox788
Tue Oct 09, 2018 11:07 am
Forum: Investing - Help with Personal Investments
Topic: How to get over paper loss?
Replies: 43
Views: 3841

Re: How to get over paper loss?

Last week I bought 153 shares of SCHB for $70.6999/share and right now it's at $69.315/share so the 10k only went down $211. However I own 804 shares, so I saw my total gain/loss fall from like +$4500 to $3000 in a week. I will try to check less often. Isn't +$3000 SCHB better than -$6-7k ESPP? Che...
by inbox788
Tue Oct 09, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Index vs. actively managed funds....is there a good tool to compare?
Replies: 24
Views: 1850

Re: Index vs. actively managed funds....is there a good tool to compare?

Just look at Vanguard site. Arrange according to 5 yr or 3 yr returns. Surprisingly Vanguard's actively managed funds (wrong term for Vanguard funds?) perform much better than Vanguard's own index funds !! https://investor.vanguard.com/mutual-funds/list#/mutual-funds/name/month-end-returns I would ...
by inbox788
Tue Oct 09, 2018 2:06 am
Forum: Investing - Help with Personal Investments
Topic: Investing Options for Emergency Funds/Cash Needed in short term (1-2 years)
Replies: 5
Views: 644

Re: Investing Options for Emergency Funds/Cash Needed in short term (1-2 years)

None that are risk-free that I know of.

You could try to chase higher CD rates.
1 year Barclays 2.55%
2 years CD Bank 3.00%
https://www.magnifymoney.com/blog/earni ... 967994263/

I did worse last year or two in CA Intermediate Muni Bond and TLH out of it last week.
by inbox788
Tue Oct 09, 2018 1:33 am
Forum: Investing - Help with Personal Investments
Topic: Tax-effective yields for various MM Funds
Replies: 16
Views: 1173

Re: Tax-effective yields for various MM Funds

Looks like it can't be permanently changed, but you can just buy and sell the MM funds manually. https://www.bogleheads.org/forum/viewtopic.php?t=241357 This thread discusses some of the regulator and other subtleties between the different MM funds. I'm guessing 99.99% of the time, it doesn't matter...
by inbox788
Tue Oct 09, 2018 1:16 am
Forum: Investing - Help with Personal Investments
Topic: Tax-effective yields for various MM Funds
Replies: 16
Views: 1173

Re: Tax-effective yields for various MM Funds

Where are you looking up state tax status? In searching previous threads and other random sites, I got some mixed comments, but may saying all are taxed 100% (not 30%) by CA (and NY, CT). https://www.bogleheads.org/forum/viewtopic.php?t=221419 https://www.bogleheads.org/forum/viewtopic.php?t=16787 A...
by inbox788
Mon Oct 08, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard [Portfolio help requested]
Replies: 20
Views: 1948

Re: Fidelity or Vanguard

What funds, expense fees and allocations do they have you in? https://investorjunkie.com/robo-advisors/compare/futureadvisor-vs-fidelitygo/ You could save about 0.35% * $0.5M ~= $2000/year right off the bat (maybe more if they have you in expensive funds), and more each year as you add more and it g...
by inbox788
Mon Oct 08, 2018 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Help with VUL product requested
Replies: 7
Views: 352

Re: Help with VUL product requested

Time to cancel the VUL policy. Very easy decision. They can't afford it for the very reason these are absolutely horrid products. They blow up when you get old. Not that the whole life policy is much better..... Seems that they have pretty high longevity risk with expenses at $54k and income at $36...
by inbox788
Mon Oct 08, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs
Replies: 23
Views: 2067

Re: Fidelity 1.8% money market fund with unlimited checkwriting and free ATMs

I predict for cash management that banks (both brick and mortar and stand-alone on-line) are going to be the next landline phone and cable TV subscription as far as things that people born after a certain year have zero use for. Neither of my kids have a local or stand-alone on-line banking account...
by inbox788
Mon Oct 08, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Debt Payoff Strategy
Replies: 11
Views: 1867

Re: Debt Payoff Strategy

The obsession around the 0% ungrad loan is because it is a settlement. If a payment is missed/late it can return to the previous balance and high interest rate. ... I'm just curious, why recommend paying off the 0% credit card first? It isn't a introductory APR. It was a 3 year no interest as long ...
by inbox788
Mon Oct 08, 2018 11:36 am
Forum: Personal Finance (Not Investing)
Topic: ESOP proceeds invest in Co. Stock or pay off debt
Replies: 11
Views: 611

Re: ESOP proceeds invest in Co. Stock or pay off debt

Adding the $116K back as incoming would push us into the 24% bracket (married filing jointly). We have some additional options besides converting the ESOP proceeds into company stock (can do a mixture of things), I do have a 401K through work currently. They are also looking at increasing matching ...
by inbox788
Mon Oct 08, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Plan For Depleting Your Investments If No Heirs?
Replies: 39
Views: 4662

Re: Plan For Depeting Your Investments If No Heirs?

As others have mentioned, SPIAs are one approach. But with that case you would never really deplete. Another approach is to divide your nest egg by the number of years until the target depletion date, then set up a TIPS ladder for that amount and for that number of years. As each TIP matures, spend...
by inbox788
Mon Oct 08, 2018 1:52 am
Forum: Investing - Help with Personal Investments
Topic: Case for buying individual Stocks as 10% of portfolio
Replies: 43
Views: 3180

Re: Case for buying individual Stocks as 10% of portfolio

Isn't it a good idea to invest 10-15% of portfolio in well known, famous unicorn companies that are pretty commonly known? As they say famously that $1000 investment each in Apple in 1980 ($300k now), Microsoft in 1987 ($600k now), Walmart in 1980 ($1.7M now) would have netted over $2.5M in the pas...
by inbox788
Mon Oct 08, 2018 1:44 am
Forum: Personal Finance (Not Investing)
Topic: ESOP proceeds invest in Co. Stock or pay off debt
Replies: 11
Views: 611

Re: ESOP proceeds invest in Co. Stock or pay off debt

Ok, long story short, I have around $116K in my ESOP (completely company contributed). The company is ending the ESOP and offering stock in the company instead. My options are to either take the cash (and pay the 10% penalty/taxes of course), leave it in stock, put it all in an IRA, or split betwee...
by inbox788
Mon Oct 08, 2018 12:06 am
Forum: Investing - Help with Personal Investments
Topic: Investment advice for a friend in her nineties
Replies: 22
Views: 1849

Re: Investment advice for a friend in her nineties

I think it depends on what she plans to do with her assets at death, and I do not think that should be assumed. If she has grandchildren, for example, and plans to gift her assets to them, then I think it would be wise to invest the money into the longest time horizon portfolio just as for anyone e...
by inbox788
Sun Oct 07, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Help with choices for new car
Replies: 20
Views: 1354

Re: Help with choices for new car

2018 lexus NX

Don't see reason for anything else.
by inbox788
Sun Oct 07, 2018 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?
Replies: 19
Views: 2272

Re: Taxable - Would you switch from Vanguard to Fidelity (iShares ETFs) for $1000 a year?

Wait a year or two until I have $500k invested with Vanguard, so I can open a VanguardAdvantage checking account. It's not as feature-rich as Fidelity's checking account, but it's good enough. I've been looking for a long term banking solution at Schwab, Vanguard, or Fidelity and haven't decided wh...
by inbox788
Fri Oct 05, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: More Life Insurance?
Replies: 8
Views: 652

Re: More Life Insurance?

My husband, 53, just got a 15 year $400,000 term life policy for $780 annual premium. I thought that was very reasonable. I put in https://www.term4sale.com/ : Gender: Male October 5th, 2018 Birthdate: January 15th, 1965 Health Class: Preferred Plus Non-Smoker Actual Age: 53 Nearest Age: 54 State: ...
by inbox788
Fri Oct 05, 2018 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Long or medium bonds
Replies: 88
Views: 5520

Re: Long or medium bonds

These two posts by vineviz need to be stickied, wiki'ed, whatever it takes to overturn the consensus around here that intermediate term bonds or total bond market is the "safe" choice. For long term investors (i.e. anyone who still has at least 20 years of life expectancy) long term bonds are the w...
by inbox788
Fri Oct 05, 2018 1:28 am
Forum: Personal Consumer Issues
Topic: Apple MacBook Pro & Camcorder help!
Replies: 18
Views: 1361

Re: Apple MacBook Pro & Camcorder help!

Which cable did you use? Was it really as simple as a USB to mini USB? https://www.amazon.com/AmazonBasics-USB-2-0-Cable-Male/dp/B00NH11N5A Glad you got it working. I'm very surprised USB to USB worked. Not so much on the mac side, but on the camcorder side for such an old device and with original m...
by inbox788
Thu Oct 04, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: When does a stock become a bond before moving back to a stock again
Replies: 47
Views: 2268

Re: When does a stock become a bond before moving back to a stock again

A stock with a [long run] beta of zero means it literally does not move [in the long run]. Why would this be a good investment? No, it means that there is a zero correlation between the movements of the stock and its index. Which in theory could be true and which in theory both could have positive ...
by inbox788
Thu Oct 04, 2018 12:43 pm
Forum: Personal Consumer Issues
Topic: Apple MacBook Pro & Camcorder help!
Replies: 18
Views: 1361

Re: Apple MacBook Pro & Camcorder help!

My MacBook Pro is almost four years old. The posts only have USB and Thunderport (lightening bolt symbols on the side). I looked at a picture of a thunder port online and I do not appear to have this. What is the model of your Macbook? (begins with A followed by 4 digits) Silly question, but did yo...
by inbox788
Wed Oct 03, 2018 7:11 pm
Forum: Investing - Help with Personal Investments
Topic: 49 at a crossroads and seeking investment advice
Replies: 31
Views: 5255

Re: Update 3 years later!!

jdsky wrote:
Wed Oct 03, 2018 3:21 pm
Everything is in the 3 index fund portfolio. The highest fees are on the International Index fund FSIVX which is .045%.
:thumbsup
by inbox788
Wed Oct 03, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: google docs and google finance
Replies: 8
Views: 1047

Re: google docs and google finance

Couldn’t you just replace the whole result with “1”?
by inbox788
Wed Oct 03, 2018 2:12 am
Forum: Investing - Help with Personal Investments
Topic: 49 at a crossroads and seeking investment advice
Replies: 31
Views: 5255

Re: Update 3 years later!!

I am happy to say her recovery has been nothing short of amazing and she continues to improve even though most say progress slows after the first year post-stroke. She is doing great. ... Specific to investing. We moved on completely from our previous financial adviser. Since the 401K from my previ...
by inbox788
Tue Oct 02, 2018 1:33 pm
Forum: Personal Consumer Issues
Topic: Old Costco American Express 2-Year Warranty Extension
Replies: 18
Views: 2848

Re: Old Costco American Express 2-Year Warranty Extension

I am aware that Costco Amex's terms and advertising materials indicated that their warranty kicked in after the Costco concierge warranty was finished. It is interesting that someone in Amex is revising that now. There is a lot of bad blood between Costco / Amex after their breakup, but hopefully t...
by inbox788
Tue Oct 02, 2018 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Why is Home Part of NW [Net Worth]
Replies: 98
Views: 6711

Re: Why is Home Part of NW [Net Worth]

My short answer: Yes. That said, I think the more valuable metric that most people don't seem to talk about that much (outside of Bogleheads and similar forums) is Investable Assets. I never tracked it myself until a few years ago. So, now I track both. Because I do think having a handle on liabilit...
by inbox788
Tue Oct 02, 2018 10:24 am
Forum: Personal Consumer Issues
Topic: Found credit cards - annoying interaction with Bank of America
Replies: 31
Views: 3487

Re: Found credit cards - annoying interaction with Bank of America

I bike to work and found several wet credit cards in the road. I stopped and picked them up and when I got to work I called Bank of America. I had picked up four cards, two from B of A, a Dunkin Donuts customer card, and a credit card from a different bank (and there may well have been other cards ...
by inbox788
Tue Oct 02, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Do Bonds Go in Taxable?
Replies: 70
Views: 6052

Re: Do Bonds Go in Taxable?

That's the Schwab Intelligent Advisory. The robo, Schwab Intelligent Portfolio, has no fees, nor trade commissions, but: - some criticize the size of the cash portion, which folks say Schwab uses to lend out via Schwab Bank. It's counterbalanced by high yield bonds, but there's risk associated with...
by inbox788
Tue Oct 02, 2018 2:03 am
Forum: Investing - Help with Personal Investments
Topic: Do Bonds Go in Taxable?
Replies: 70
Views: 6052

Re: Do Bonds Go in Taxable?

Having looked at this and your linked comment, and the comment on international funds too, I find the whole thing exasperating and may yet go back to using the Schwab robo, and a target date in my 401k, and just forget about it. if you have an unusually good bond option in the 401(k) such as the TS...
by inbox788
Mon Oct 01, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: Lifetime alignment services
Replies: 14
Views: 962

Re: Lifetime alignment services

How often do you normally have your car aligned? There was a thread recently and a LOT of responses were that people rarely have an alignment done unless some suspension work was done that required an alignment. If you're like me....I've been driving for 45 years and have alignments done 4 times ev...
by inbox788
Mon Oct 01, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: What's the best method for immediately selling off my ESPP shares?
Replies: 25
Views: 2023

Re: What's the best method for immediately selling off my ESPP shares?

I've done both for my ESPP shares. The problem I've run into is that the brokerage (MS Stockplan Connect) doesn't allow you to set limit orders at below the market price. To make matters worse, the data is delayed by ~15 minutes. Hence, I'll probably just use a Market Order going forward. I just pl...
by inbox788
Mon Oct 01, 2018 1:59 am
Forum: Investing - Help with Personal Investments
Topic: What's the best method for immediately selling off my ESPP shares?
Replies: 25
Views: 2023

Re: What's the best method for immediately selling off my ESPP shares?

I always try to use a market limit order when I'm eager to sell something. I'm just overly paranoid about another flash crash. What is a "market limit order"? Do you just mean setting a limit order to the current market price, as m@ver1ck suggested later? Yes, more or less. More accurately is marke...
by inbox788
Sun Sep 30, 2018 9:11 pm
Forum: Investing - Help with Personal Investments
Topic: Pay 22.85% taxes to diversify?
Replies: 26
Views: 1905

Re: Pay 22.85% taxes to diversify?

Fidelity offers a bunch of trust services but first glance suggests they want a 200k min for CRT: http://personal.fidelity.com/accounts/services/content/cgfoption2.shtml Thanks! I was not aware Fidelity itself had such a service involving CRTs. I'll have to look into them. I've had difficulty getti...
by inbox788
Sun Sep 30, 2018 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Pay 22.85% taxes to diversify?
Replies: 26
Views: 1905

Re: Pay 22.85% taxes to diversify?

In addition to either selling the stock and paying $58,000 of capital gains tax (22.85% x $255,000) or continuing to hold the stock, there's a third possibility to consider that might make sense. She could contribute the stock to a charitable remainder trust. The trust is tax-exempt and can sell th...
by inbox788
Sun Sep 30, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15790

Re: iPhone XS Max

Here is a comparison of different sizes: https://pbs.twimg.com/media/Dm68Kk1W0AEY2UF.jpg https://pbs.twimg.com/media/Dm68Kk1W0AEY2UF.jpg Thanks for posting this. I have a 6S, which is the same size as the 7, and that is a bit too big for me. I want the iPhone SE size, except with a bigger OLED scre...
by inbox788
Sun Sep 30, 2018 7:08 pm
Forum: Personal Finance (Not Investing)
Topic: New Relationship - Best way to handle finances?
Replies: 92
Views: 6726

Re: New Relationship - Best way to handle finances?

If you could afford it, you could keep paying for everything, but what is she doing with all her extra income? OP, do you have a trust or are you in an occupation where there's going to be big money? Would that or should that change things? If I was making $100k, I wouldn't have an issue dropping $5...
by inbox788
Sun Sep 30, 2018 1:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pension plan choice of annuity or cash payout
Replies: 27
Views: 2820

Re: Pension plan choice of annuity or cash payout

It doesn't look like you need an annuity, so the best options are taking the cash payout now. Decide later if an annuity still makes sense for you. It may or may not, but buying longevity insurance now isn't a good value IMO.
by inbox788
Sat Sep 29, 2018 3:44 am
Forum: Investing - Help with Personal Investments
Topic: What's the best method for immediately selling off my ESPP shares?
Replies: 25
Views: 2023

Re: What's the best method for immediately selling off my ESPP shares?

I always try to use a market limit order when I'm eager to sell something. I'm just overly paranoid about another flash crash.
by inbox788
Thu Sep 27, 2018 8:05 pm
Forum: Investing - Help with Personal Investments
Topic: Warren Buffet Portfolio Critique
Replies: 56
Views: 4520

Re: Warren Buffet Portfolio Critique

What do y'all make of the advice Warren Buffets suggests? 90%-- S&P 500 Index Fund Admiral Shares (VFIAX) 10%-- Short-Term Treasury Fund Admiral Shares (VFIRX) Great advice for billionaires. That’s at least $900M in stocks and $100M in bonds. Even if you seldom rebalanced, you could spend nearly $1...
by inbox788
Wed Sep 26, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Oil change interval for low-mileage vehicles
Replies: 89
Views: 5972

Re: Oil change interval for low-mileage vehicles

Personally, I'm a fan of replacing filter (and topping off oil) at 6 months and oil at 1 year (with a high quality synthetic) for my low milage cars. While I'd stick to an annual oil and filter change every year, if I wanted to cut back I would pick the opposite tact, i.e. changing the oil at 6 & 1...
by inbox788
Tue Sep 25, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: My Very First Smartphone [Samsung Galaxy S9+] — Please Critique This Plan
Replies: 123
Views: 6517

Re: My Very First Smartphone — Please Critique This Plan

In general, $400 smartphones will roughly do everything that a $800+ one will do. Except take great photos. A $400 phone will take okay photos in daylight. Night-time lighting or the front-facing camera? It'll usually end up a blurry mess. So if a smartphone going to be a camera replacement also, s...
by inbox788
Tue Sep 25, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Non-spousal Inherited IRA
Replies: 18
Views: 1411

Re: Non-spousal Inherited IRA

I don't see the advantage of trying to get funds into tax advantaged space when it's already there. They should independently fix their original budget and retirement plan if there is something wrong (which I suspect there may be). Alan S listed a bunch of benefits of having the money in an IRA or ...