Here's a statement of the obvious: The opinions expressed here are those of the participants, not those of the Mutual Fund Observer. We cannot vouch for the accuracy or appropriateness of any of it, though we do encourage civility and good humor.
Thank you msf and Old_Joe! Very illuminating. I have been tossing all my medical receipts at the end of each year - never made the 10% AGI cut to claim deduction. Better late than never!
@msf: I was not aware that current medical expenses can be rolled over to next year (or longer?) for the purpose of HSA distribution. Is there a limit in terms of amount/time? I do have an HSA and do not use the money for distributions just to bui…
Off-topic discussions should be ok as long as they are not abusive or offensive. This one does not fit that description in my view. If not interested, it is easy to avoid seeing these discussions by clicking on Fund discussions on the left. Live …
May be it is not the same everywhere. For example, in my zipcode, the previous high in median home price in 2006/2007 bubble was around $640k. Now it is $830k. I am not sure if household income has really increased that much from 2006/2007. I am…
In my simplistic world, it would be good to link tax cuts to employment - after the fact. In other words, show me you (or your company) have created more direct employment (number of people AND total wages provided) and then (and only then) you wil…
Will read up on the link. My only direct experience from a year back was losing 1.5% on a market trade of 500 shares due to bid-ask spread. Limit order penny below ask did not go through for a long time and was forced to enter market order because …
I was talking about the ETFs of ETFs David mentioned. Average daily trading volumes from M*
AOR: 131,000
AOK: 72,000
AOM: 125,000
AOA: 71,000
That's not a lot of volume. Of course, I am aware of the highly traded iShare and other ETFs, and have use…
Glad to hear that you and family are ok. That looks scary. I had one accident several years back where it was truly my fault. Had just come off the freeway on a last minute whim to show my family something in a passing city. I was driving at city …
Have been with Schwab for a long time now, almost ten years! Before that I have used Scottrade, TD, WellsTrade and also have an IRA at Fidelity. I echo observations by others, being very satisfied after consolidating essentially all our assets at …
Mark: The advantages I see are instant diversification of any new money added (sometimes difficult to do on your own), tax loss harvesting, less time spent on investing research and general discipline. All this can be done with some effort on our o…
Had raised cash few months back and started a very slow nibble in December using automatic investing in FPACX and OAKBX every two weeks through Schwab. My momentum play account has been 75% cash for almost four months now. The taxable portfolio ha…
Happy New Year! Wasn't the best year based on returns, but at least managed to stay
positive by raising cash and reducing positions in more speculative positions early.
My view
1. Education is critical in today's knowledge economy. Note that education does not
necessarily equate to college education. It is a life-long process of commitment to learning through all means available to you.
2. Cost of college educat…
Few years back, I consolidated all my taxable accounts at Schwab and have been very happy with them. Customer service is very good, especially in person at the office on my way to work. I have not really used any of their 'advice', but have a pers…
http://www.huffingtonpost.com/2014/10/13/food-water-footprint_n_5952862.html
This Is How Much Water It Takes To Make Your Favorite Foods
http://www.theguardian.com/news/datablog/2013/jan/10/how-much-water-food-production-waste
While I like to use to active funds vs. index funds in general, I am not sure if the author is correctly analyzing data. He is just looking at the top 10 or top 20 funds. He needs to look in the aggregate. For example, what about the bottom 10 or…
Thanks msf. This is exactly what I needed. It gives an estimate at age 62. Assume I can approximately calculate estimates for age 67 and 70, using the same ratio of numbers using the other calculator (which gives the value for the other scenario,…
Great discussion, which prompted two questions from my side.
1. Is there an SS calculator (preferably on the SS site) which tells me how much social security income I can expect at age 66 or 70, etc., if I stop working today? The default calculato…
@Old_Joe Civil discussions are fine, but when name-calling starts, I usually refer to this parable and decline to accept the gift :-)
http://www.sacred-texts.com/bud/btg/btg58.htm
http://www.citehr.com/155355-buddha-abuse-how-respond-others-negati…
@Old_Joe -- Wasn't pointing out to anyone in particular. Between an action and reaction, there is always (the generic) you who has a choice to make. Political issues are usually not so black and white, as sometimes painted for simplicity of argu…
Let's minimize (or even better avoid) political discussions here. I have seen time and again, that such discussions do not convert/convince anyone and inevitably lead to increased divisions in a group.
After thinking more about this, this is still confusing. As I have not received the official K-1 form, I don't think I can file the estimate if I understand correctly. Initially I had entered all the estimated values, but if IRS has not received t…
Have a similar question. I own it through Schwab and have got estimated break-up through Oaktree. I was trying to enter the information using H&R Block 2014, but get the message that publically traded partnerships are beyond the scope of this …