Search found 377 matches

by runninginvestor
Wed Apr 14, 2021 10:23 am
Forum: Investing - Theory, News & General
Topic: Coinbase IPO - anyone tempted?
Replies: 98
Views: 6102

Re: Coinbase IPO - anyone tempted?

What time can you start buying it? i would like to know too going to toss my 6k roth contribution into coinbase :shock: It usually takes a couple hours after market open to start trading. It's already being reported that the price will open around $350. https://www.cnbc.com/2021/04/14/coinbase-to-d...
by runninginvestor
Wed Apr 14, 2021 8:32 am
Forum: Personal Finance (Not Investing)
Topic: Loaning $15K / IRS form implications
Replies: 10
Views: 488

Re: Loaning $15K / IRS form implications

I believe the IRS makes you charge a minimum interest rate if you are going the loan route. I'm not sure what it is for 2021. The other possibility would be to gift up to the applicable amount that is tax-free, and have her bump up your portion of the estate slightly. Here's a good summary of the lo...
by runninginvestor
Wed Apr 14, 2021 7:15 am
Forum: Investing - Theory, News & General
Topic: Coinbase IPO - anyone tempted?
Replies: 98
Views: 6102

Re: Coinbase IPO - anyone tempted?

I have to admit I’m tempted to nibble.... they are the leader in their industry and it doesn’t seem like crypto is going anywhere. No, because as soon as Schwab or Fidelity offers this service I’ll kick them and their fees to the curb. But Robin Hood (despite its glitches) and being a direct compet...
by runninginvestor
Tue Apr 13, 2021 8:36 pm
Forum: Personal Consumer Issues
Topic: Oral surgeon said we were legally required to give SS#, then they got hacked
Replies: 50
Views: 5214

Re: Oral surgeon said we were legally required to give SS#, then they got hacked

Wife and I have all 3 credit reports frozen, but indeed my teenage kids have not. I figure until they're 18, nobody could use their identities to get credit. But I guess soon we'll have to get through that and freeze their credit in a way that they know how to unfreeze it. What a pain. It is possib...
by runninginvestor
Tue Apr 13, 2021 7:44 pm
Forum: Personal Consumer Issues
Topic: Oral surgeon said we were legally required to give SS#, then they got hacked
Replies: 50
Views: 5214

Re: Oral surgeon said we were legally required to give SS#, then they got hacked

I'm a rebel without a cause, but I always give a fake SS # in these situations. +1. In situations where the SSN is requested but doesn't seem legitimately needed, I have given out a number that is one number off from the correct one . They have yet to notify me that the number is wrong. I suppose t...
by runninginvestor
Tue Apr 13, 2021 6:15 pm
Forum: Investing - Theory, News & General
Topic: Watch out for inflation numbers
Replies: 44
Views: 4292

Re: Watch out for inflation numbers

the CPI is fake anyways so the numbers are of little practical use There's a Bloomberg opinion piece from today throwing shade on the CPI, as well. "The Consumer Price Index Is Not Economic Reality--The nation’s leading indicator of inflation has always existed as a creature of politics and po...
by runninginvestor
Tue Apr 13, 2021 4:57 pm
Forum: Investing - Theory, News & General
Topic: Coinbase IPO - anyone tempted?
Replies: 98
Views: 6102

Re: Coinbase IPO - anyone tempted?

I read a decent article trying to justify the 100 billion valuation. It was a good read. https://www.google.com/amp/s/fortune.com/2021/04/12/coinbase-ipo-valuation-100-billion-justification-crypto/amp/ "To justify that number, the math shows, Coinbase would need to mushroom into the biggest fin...
by runninginvestor
Tue Apr 13, 2021 7:55 am
Forum: Personal Consumer Issues
Topic: Oral surgeon said we were legally required to give SS#, then they got hacked
Replies: 50
Views: 5214

Re: Oral surgeon said we were legally required to give SS#, then they got hacked

Sorry this happened it is really annoying. I never understand laws like this claiming to help protect identity theft, and then causing millions of attack vectors to be opened (all the offices that require this, if this was an actual law). The above point about the free credit monitoring should be lo...
by runninginvestor
Mon Apr 12, 2021 1:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6197

Re: Vanguard Website

Do you have your accounts linked to any other website? Like mint or personal capital? Those kinds of websites will often trigger the last log on indicator. And they will often refresh overnight staring non busy hours. Question not addressed to me but I do have other software that triggers access to...
by runninginvestor
Mon Apr 12, 2021 11:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 76
Views: 6197

Re: Vanguard Website

I just logged on today. Haven't done in quite a while. Upper right corner has "Last logon: Thursday, April 08, 2021 02:24 AM ET". No way Jose. I was dead asleep at that time and no-one else has my login credentials. Should we all be concerned about a data breach????? Change your password ...
by runninginvestor
Sun Apr 11, 2021 4:31 pm
Forum: Investing - Theory, News & General
Topic: Trading Platforms
Replies: 10
Views: 642

Re: Trading Platforms

ThinkorSwim that's probably the best and most robust free trading platform out there, as long as you aren't trying to do algorithmic trading (where you write programs to trade automatically). I don't use it to trade as much, but I like having the news and the research all-in-one on there.
by runninginvestor
Sun Apr 11, 2021 4:27 pm
Forum: Personal Consumer Issues
Topic: Medicare Claims Processing Question
Replies: 22
Views: 1350

Re: Medicare Claims Processing Question

<<Can anyone explain the Medicare/Medigap claims and billing process? Who should the doctor's office bill initially? Medicare or Mutual of Omaha? How does MoO and Medicare reconcile the claim amounts? Who would send me an EoB? >> Sorry, my rambling response has the information in there, but this may...
by runninginvestor
Sun Apr 11, 2021 4:21 pm
Forum: Personal Consumer Issues
Topic: Medicare Claims Processing Question
Replies: 22
Views: 1350

Re: Medicare Claims Processing Question

First, kudos to you (or whoever) recognized that the brother was eligible for guarantee issue medigap at age 65. This is something I've seen overlooked for under-65 Medicare recipients when they age in, so to speak. Hopefully you signed up within the guarantee issue rights period. Under 65 supplemen...
by runninginvestor
Sun Apr 11, 2021 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: First time homebuying in this environment...
Replies: 27
Views: 2545

Re: First time homebuying in this environment...

There’s no way I’d forgo the inspection contingency (I’m also a first time homebuyer and for various personal reasons, I’m going to wait until next year to think about restarting my house search). If you really need/want extra space, rent a bigger place. I know that’s easier said than done in some ...
by runninginvestor
Sun Apr 11, 2021 11:08 am
Forum: Personal Finance (Not Investing)
Topic: I usually use electronic bank transfers to send money
Replies: 20
Views: 1374

Re: I usually use electronic bank transfers to send money

You have to check both ends , receiver and payer, to make sure it's free. For example, Vanguard charges $10, unless you have more than $1million in assets.
by runninginvestor
Sun Apr 11, 2021 8:36 am
Forum: Personal Consumer Issues
Topic: Company Healthcare Denying Coverage for Durable Medical Equipment
Replies: 3
Views: 386

Re: Company Healthcare Denying Coverage for Durable Medical Equipment

Also, your employer coverage may outline in their coverage booklet how they handle this. They may coordinate coverage (as long as you let the providers and insurance company know there is dual coverage). You could also call the primary insurance and ask about the billing process. They should let you...
by runninginvestor
Sat Apr 10, 2021 12:02 pm
Forum: Investing - Theory, News & General
Topic: Can this be true? [CNBC: Investors put more money into stocks]
Replies: 24
Views: 3719

Re: Can this be true? [CNBC: Investors put more money into stocks]

Huge peeve of mine are articles like this that report from a survey/research but don't include a link to the underlying. It's usually a red flag for me. It makes it annoyingly difficult to parse their intent. I couldn't find thee underlying research for BOA either.
by runninginvestor
Sat Apr 10, 2021 8:53 am
Forum: Investing - Theory, News & General
Topic: FSMAX Shows 6% Loss Today?
Replies: 39
Views: 2489

Re: FSMAX Shows 6% Loss Today?

this is interesting... a 5.67% distribution is massive and considering this is a passive fund it's even more insane. What exactly caused this? I am thinking Vanguard Funds avoid this sort of thing. VSMAX shows something similar . I would think it's partly because of Tesla joining the S&P500, th...
by runninginvestor
Sat Apr 10, 2021 8:19 am
Forum: Personal Finance (Not Investing)
Topic: Do budgets work?
Replies: 122
Views: 4822

Re: Do budgets work?

Doesn't seem like they are promoting their professional services very well...

I've helped a few friends develop a budget that they've stuck to and paid off debts doing so, while saving at the same time. Although I wasn't charging them for this, which probably helped a little in their budgeting.
by runninginvestor
Fri Apr 09, 2021 9:32 pm
Forum: Investing - Theory, News & General
Topic: new Vanguard Ultra-Short Bond ETF
Replies: 58
Views: 6475

Re: Ultra Short Term Bond Fund v Money Market - Vanguard email

Sounds like it'll be an ETF version of Vanguard Ultra-Short-Term Bond Fund (VUSFX/VUBFX) with the ER of the admiral shares (it may even be a new share class of the existing fund, like other Vanguard ETFs are). The SEC yield of that is 0.56%, which is about what you might get from select high yield ...
by runninginvestor
Fri Apr 09, 2021 10:00 am
Forum: Investing - Theory, News & General
Topic: Beat the market by only holding after hours
Replies: 56
Views: 3329

Re: Beat the market by only holding after hours

This may help explain: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3064160 Title: "The Speed of the Market Reaction to Pre-Open versus Post-Close Earnings Announcements" From the introduction: "The vast majority of U.S. publicly traded firms announce earnings outside of regula...
by runninginvestor
Wed Apr 07, 2021 11:56 am
Forum: Personal Investments
Topic: How much cash do you really hold?
Replies: 91
Views: 6267

Re: How much cash do you really hold?

Too much, and yet, never enough :) <<"For example, if you say your "portfolio" is 80% equities and 20% bonds, do you literally mean that you have zero cash other than the fixed dollar amount in your EF? Meaning, as your portfolio grows, you actually have a decreasing percentage of tot...
by runninginvestor
Wed Apr 07, 2021 11:22 am
Forum: Personal Consumer Issues
Topic: The $2000-$4000 Car :) This made me wealthy so jump on board
Replies: 258
Views: 18600

Re: The $2000-$4000 Car :) This made me wealthy so jump on board

I bought my first car for $300; a '94 Buick Regal with 220k miles on it. Got rid of it after 5 years and 300K+ miles for $300. Only oil changes and new brakes for maintenance. Needed some new lines and timing belt, but was moving into a city so no need of a car anymore at the time so repairing wasn'...
by runninginvestor
Wed Apr 07, 2021 10:23 am
Forum: Personal Investments
Topic: Do in-house funds lock you in to brokerage?
Replies: 7
Views: 285

Re: Do in-house funds lock you in to brokerage?

If I recall correctly, you are right and that the zero index funds can only be bought at fidelity. I'm not sure if that means it can only be held there, or if you can transfer and sell. Schwab has a total market index that people also recommend. The other option would be to use the ETF equivalents o...
by runninginvestor
Tue Apr 06, 2021 10:51 am
Forum: Personal Investments
Topic: Fossil Free Fund Comparable to an Index Fund?
Replies: 25
Views: 1698

Re: Fossil Free Fund Comparable to an Index Fund?

The fossilfree website also mentioned above would help your search, here's a filter: https://fossilfreefunds.org/funds?dsc=false&fffgrd=1&sri=1&srt=grade_fossil You can download into excel or Google sheets to get the expense ratios and performance, and whatever analyses you'd like to hel...
by runninginvestor
Tue Apr 06, 2021 10:31 am
Forum: Personal Consumer Issues
Topic: Carpenter ants in a window
Replies: 7
Views: 602

Re: Carpenter ants in a window

If they are actually ants, I would recommend these traps https://www.terro.com/terro-liquid-ant-baits-2-pack In my experience, when you put them out you will see an increase in the amount of ants, which should last ~ 1 week. If you see a lot of ants, this means they are taking the poison back to th...
by runninginvestor
Mon Apr 05, 2021 9:15 am
Forum: Investing - Theory, News & General
Topic: The Atlantic: The Autopilot Economy -- Economists ... are Worried That Index Funds are Hurting Markets
Replies: 28
Views: 3423

Re: The Atlantic: The Autopilot Economy -- Economists ... are Worried That Index Funds are Hurting Markets

I'm an Index investor. 401k is only on low fees index funds. One complain I have is that Index Funds do not advance or advocate for the interest of the inverstor. Funds need to become more vocal about exercising their fiduciary responsibilities. Badly run companies, indolent boards, excessive CEO c...
by runninginvestor
Sun Apr 04, 2021 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Windfall State Tax Just When I was Relocating
Replies: 8
Views: 1333

Re: Windfall State Tax Just When I was Relocating

This may be a situation where you may want to hire a CPA for one year, and maybe ask them this year as well to make sure any estimated tax payments are sufficient.

Otherwise, if you use turbotax to file taxes, maybe you can run some sfejaros through cthere ?
by runninginvestor
Fri Apr 02, 2021 9:52 am
Forum: Personal Consumer Issues
Topic: Duolingo
Replies: 41
Views: 3479

Re: Duolingo

My advice as someone who learned and used 3.5 foreign languages as an adult (former diplomat): If it's fun for you, try it out. But if you want to be able to use a foreign language in actual conversation with non-English speakers, you should sign up for a course of some kind, e.g., at a community c...
by runninginvestor
Thu Apr 01, 2021 3:20 pm
Forum: Personal Consumer Issues
Topic: Duolingo
Replies: 41
Views: 3479

Re: Duolingo

I didn't care for it as much. Check your local library, most local libraries I've been a part of have e-resources (and of course books) that are similar to Duolingo.

Edit: I tried it to refresh a language I already knew, and didn't care for it as much.
by runninginvestor
Thu Apr 01, 2021 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Stay on wife's employer health insurance, or Medicare?
Replies: 14
Views: 876

Re: STAY ON WIFE'S EMPLOYER HEALTH INSURANCE OR MEDICARE

If you don't get Plan B now, you will face a 10% penalty on your monthly payment for every year you wait. I'd get it now. Medicare and your wife's health insurance plan should be able to coordinate benefits. My understanding is as long as I have employer coverage through wife's plan, I can add (oth...
by runninginvestor
Tue Mar 30, 2021 6:57 pm
Forum: Personal Investments
Topic: ArkX
Replies: 24
Views: 2335

Re: ArkX

Is ARKX available for purchase through VG Brokerage? It’s an ETF, so yes. Vanguard does ban buying certain types of ETFs, by the way. For example, you can't purchase inverse or leveraged ones. https://investor.vanguard.com/investing/leveraged-inverse-etf-etn ARKX is neither, as far as I know. Great...
by runninginvestor
Tue Mar 30, 2021 9:27 am
Forum: Personal Investments
Topic: ArkX
Replies: 24
Views: 2335

Re: ArkX

Should be able to, I got all the way to the confirmation screen to check. Didn't hit submit, but it seemed to be okay.
by runninginvestor
Mon Mar 29, 2021 7:25 pm
Forum: Investing - Theory, News & General
Topic: Market crashes. Who causes them?
Replies: 42
Views: 3781

Re: Market crashes. Who causes them?

Me. Every time I buy a sizable amount of SCHB or VTI. There’s some line of code in the “universe” simulation (which we clearly exist within) which says: “IF humanoid[‘MrSpock’].stock_purchases in [‘ VTI , ‘SCHB’] AND shares > 1000 THEN tank_stock_market()” . ... at least that’s how it feels. Pretty...
by runninginvestor
Mon Mar 29, 2021 9:48 am
Forum: Personal Investments
Topic: Vanguard site issues
Replies: 54
Views: 4559

Re: Vanguard site issues

It seems to be okay now.

Edit: from the old App
by runninginvestor
Mon Mar 29, 2021 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Cancer, Heart Attack & Stroke Insurance
Replies: 9
Views: 810

Re: Cancer, Heart Attack & Stroke Insurance

That's odd. Medicare does have some coverage for SNF treatment, and your supplement may even pick up the coinsurance for days 20-100. I think without supplement it's around $180/day for days 20-100. BUT medicare only provides SNF if you've had a qualifying 3 day inpatient stay (which has it's own we...
by runninginvestor
Sun Mar 28, 2021 5:07 pm
Forum: Personal Investments
Topic: Comparing Bond Funds - Short Term Federal vs alternatives?
Replies: 4
Views: 487

Re: Comparing Bond Funds - Short Term Federal vs alternatives?

You're right about Wellesley (Vwinx) having higher rate sensitivity. It has a duration of about 8 years, where Short term Federal has a 2 yr duration, tax free intermediate is at 4.5 years. So the tax exempt find has ~2x the rate sensitivity as the short term fund, and wellesley has ~4x. Based on yo...
by runninginvestor
Sun Mar 28, 2021 12:41 pm
Forum: Personal Investments
Topic: Edvest vs my529
Replies: 7
Views: 629

Re: Edvest vs my529

Thanks! ER is even better than Utah's and at least for me there are some intra-state advantages for when I do start putting money in there. Circling back on the tax carryforward, WI does allow this, and doesn't appear to place a limit on the number of years you can carry-forward. i.e. if you contri...
by runninginvestor
Sun Mar 28, 2021 9:50 am
Forum: Personal Investments
Topic: Help with 403(b).....
Replies: 2
Views: 183

Re: Help with 403(b).....

If Fidelity's target fund was anything like what my spouse had at a large employer, it could have been a Collective Investment Trust which doesn't distribute dividends to the holder, but managed all that internally in the trust..
by runninginvestor
Sun Mar 28, 2021 9:47 am
Forum: Personal Investments
Topic: Help with 403(b).....
Replies: 2
Views: 183

Re: Help with 403(b).....

VIIIX is the institutional share class of Vanguard's S&P 500 VTSNX is total international VBMPX is the institutional bond fund They will throw off dividends (bond fund likely monthly) and should be reinvested either in the funds themselves, or whatever allocation you have. Most of the stock fund...
by runninginvestor
Sun Mar 28, 2021 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 420
Views: 51228

Re: Tales from this insane real estate market

What will happen if/when mortgage rates increase 2% from today's record low rates? For those who buy today and stay put. Probably nothing. For those who buy today and then need to sell in 3 - 5 years, the same buying demographic will likely be forced to offer a lot less due to their abilities to qu...
by runninginvestor
Sat Mar 27, 2021 11:58 am
Forum: Personal Investments
Topic: Edvest vs my529
Replies: 7
Views: 629

Re: Edvest vs my529

<"Am I missing something? Should I just do my529 since it seems to be "the best" or would it just be easier and/or better to use my own state's 529 called Edvest?"> I will eventually be in this boat. From my own research, I've found the wiki to be helpful reading: (1) https://www...
by runninginvestor
Fri Mar 26, 2021 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Black Swan insurance
Replies: 45
Views: 3507

Re: Black Swan insurance

For things like skiing, etc. if your active child does it sparingly, travel insurance for a set period of time might be something to look at. The caveat with AD&D insurance is there are a lot of exclusions that can be buried in the policy. They may not cover some activities without certain rider...
by runninginvestor
Fri Mar 26, 2021 6:09 pm
Forum: Personal Investments
Topic: Employer transitioning to Collective Investment Trusts/CITs
Replies: 18
Views: 748

Re: Employer transitioning to Collective Investment Trusts/CITs

Here's the wiki for more reading:
https://www.bogleheads.org/wiki/Collect ... ent_Trusts

Almost every investment I've had in employer accounts have been CIT's.
by runninginvestor
Fri Mar 26, 2021 5:55 pm
Forum: Personal Finance (Not Investing)
Topic: Black Swan insurance
Replies: 45
Views: 3507

Re: Black Swan insurance

For kids (and potentially adults) Medicaid is one of the only options I know of to help in catastrophic scenarios. If working/has a work history LTD insurance and LTC insurance are important. Buy you are right that people generally forego LTC coverage until they get a bit older. SSDI will also be of...
by runninginvestor
Fri Mar 26, 2021 2:29 pm
Forum: Investing - Theory, News & General
Topic: Option trading Tax reporting
Replies: 22
Views: 776

Re: Option trading Tax reporting

generally not if they are all covered securities, and you do not need to make any adjustments to the reported basis or defer any of the basis I think. You may want to look into IRS form 8949. From the instructions: "If all Forms 1099-B (or all substitute statements) you received show basis was ...
by runninginvestor
Fri Mar 26, 2021 1:49 pm
Forum: Personal Consumer Issues
Topic: High ranked Univ with liberal arts major or lower ranked school with STEM major
Replies: 121
Views: 8193

Re: High ranked Univ with liberal arts major or lower ranked school with STEM major

.Edited to add: engineering undergrad programs are generally very tightly planned. If it takes a year to execute this plan, that will probably add a year to graduation, there isn't a lot of slack. Exactly. Plan on at least 5 years. Yep, the uni I went to, engineering was a 5-year program (required ...
by runninginvestor
Fri Mar 26, 2021 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Tales from this insane real estate market
Replies: 420
Views: 51228

Re: Tales from this insane real estate market

Idk if this has been posted yet, but from what I've read of the discussion, it may interest others in the overall credit trends. Some of the data you have to asterisk and recognize that student loan relief measures in place, and mortgage forbearance will alter some of the recent trends. You especial...
by runninginvestor
Fri Mar 26, 2021 12:10 pm
Forum: Personal Investments
Topic: Morningstar access through libraries - change?
Replies: 12
Views: 1453

Re: Morningstar access through libraries - change?

Well, it seems that with the revamped x-ray page, everything is there. It's just not all there as an instant view. In the upper part of the X-ray page, there is "generate report", gives you a bunch of options include stock intersection, etc. for more in-depth analysis, similar to what was...