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Re: Rebalancing with dividends

This is probably silly but when I look at the transaction history showing individual purchases for a fund, I prefer to have fewer of them and I like having them in round numbers. It's just easier for me to visualize.
by Calm Man
Sun Oct 19, 2014 9:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing with dividends
Replies: 8
Views: 886

Re: Thoughts on Paul Merriman's Portfolio

The 2 portfolios shown at the top of the post have 11 and 13 stocks. That seems like such a pain compared to a 2 or 3 funds portfolio. And the Merriman portfolios have specific percentages so rebalancing these must be a time consuming task with I presume tax consequences. I cannot imagine doing that...
by Calm Man
Sat Oct 18, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on Paul Merriman's Portfolio
Replies: 38
Views: 2183

Re: If those airline passengers get sick- airline stocks wil

Fliers get sick all the time either due to turbulence, or excessive alcohol consumption, or both. This is the reason for airlines providing paper bags at each seat. Now, every case of sickness will be second-guessed as an exotic disease starting with letter E. Cleaning up after every case of sickne...
by Calm Man
Sat Oct 18, 2014 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: If those airline passengers get sick- airline stocks will
Replies: 22
Views: 1589

Re: Help Create a Portfolio Generating 2,500 a month on 600K

OP, I do not think that you really mean all of what you wrote once you read what I say below. But if you did, I recommend that you consider removing yourself from involvement in this matter with your mother. 1. You indicated that you wanted a certain return on investment. Check. 2. You indicated tha...
by Calm Man
Sat Oct 18, 2014 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Create a Portfolio Generating 2,500 a month on 600K
Replies: 22
Views: 3599

Re: Anyone cancelling travel plans?

I don't think that Ebola per se at the moment would be my chief concern. However, much as I have always been interested in potential cruises, I have avoided them and likely will continue to. Again, not Ebola but a slew of possibilities known and unknown. Unlike almost anything else, including an air...
by Calm Man
Sat Oct 18, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Anyone cancelling travel plans?
Replies: 98
Views: 4453

Re: Maximum Number of Medicare Hospital Days

Jimb from ATL provided a great summary that he wrote. Indeed, usually the person is sent from the hospital to a facility that provides skilled nursing/rehab services for as long as it is medically necessary. Medically necessary is not simple, like a doctor saying so, because all doctors would say so...
by Calm Man
Wed Oct 15, 2014 7:51 pm
 
Forum: Personal Consumer Issues
Topic: Maximum Number of Medicare Hospital Days
Replies: 10
Views: 732

Re: Should I share financial info with potential guardian?

A lot of people deal with this type of matter. As a rule, I think unless you have a shortened life expectancy, I do not think it advisable to have somebody a generation older than you as guardian for somebody a generation younger than you. And this lady is described as clueless financially so she wo...
by Calm Man
Wed Oct 15, 2014 5:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I share financial info with potential guardian?
Replies: 5
Views: 734

Re: Fleeting RBD for large-cap US and emerging markets?

Kevin, nice post and here is a thought. First, I am not an RBD type of guy and do not even bother rebalancing. However, I think you are a mutual fund holder. In that case, it has to be closing price. Imagine a 20% decline midday and closing flat. If you bother with ETFs however, then you can act at ...
by Calm Man
Wed Oct 15, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Fleeting RBD for large-cap US and emerging markets?
Replies: 16
Views: 1224

Re: $72k in 3 fund or a $72k 2 bed/1 bath condo rented

OP, you might have time to do the work/bookkeeping, etc involved in the condo rental. You are young I take it. You likely will not make a great deal more with the condo than the 3 fund portfolio and possibly less. But you can guarantee you will spend more time on it, have more complicated tax filing...
by Calm Man
Wed Oct 15, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: $72k in 3 fund or a $72k 2 bed/1 bath condo rented
Replies: 21
Views: 1466

Re: -11.33% YTD, asking for some guidance

I'll try to help OP, but a lot of others have tried in this thread. You seem to be stuck in the idea of "losing" more or losing less. You are looking at different assets over a short period of time and making comparisons between funds. If you wanted to lose less recently, then you would ch...
by Calm Man
Wed Oct 15, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: -11.33% YTD, asking for some guidance
Replies: 57
Views: 3365

Re: Does "substantially identical" apply to combined securit

I believe that there is no chance that this would be viewed as a wash sale unless you yourself decided to declare it to be one. Who could possibly be in a position to declare it such otherwise?
by Calm Man
Tue Oct 14, 2014 1:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does "substantially identical" apply to combined securities?
Replies: 31
Views: 1421

Re: Pension buyout help

OP, it is great that your parents are asking you questions and that you are trying to help. That said, I strongly recommend that you refer them to this site or possibly a fee only planner. Without realizing it, you have given them a completely incorrect explanation about rollovers to IRAs which migh...
by Calm Man
Tue Oct 14, 2014 1:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension buyout help
Replies: 6
Views: 235

Re: Now what? - Lost check to IRS

I learned this letter years ago. OP, I would wait a bit more and then in a few weeks if it hasn't cleared make a cost/benefit decision on stopping payment vs the estimated tax penalty. If it is a small payment, the penalty would be better. But here is what I learned a few years ago when my items sen...
by Calm Man
Tue Oct 14, 2014 8:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Now what? - Lost check to IRS
Replies: 9
Views: 1157

Re: Leaning towards buying a 1-BR condo in Bay Area

How much does it cost?
by Calm Man
Mon Oct 13, 2014 9:25 pm
 
Forum: Personal Consumer Issues
Topic: Leaning towards buying a 1-BR condo in Bay Area
Replies: 21
Views: 2017

Re: Minimizing AMT impact

An increase in charity will definitely help. But you have hit part of the nail on the head without realizing it. Given that I live in the Northeast, where our tax burden is so high, there is no hope that I will ever escape the AMT. However, last year when I used TurboTax, I noticed that if I changed...
by Calm Man
Mon Oct 13, 2014 7:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Minimizing AMT impact
Replies: 18
Views: 1946

Re: Abigail Johnson Named Head of Fidelity Investments

If I owned Fidelity, I could not imagine possibly naming my daughter the head of it. Just kidding. We have no idea if she is good,, bad or neither. And if not good, you can be certain you won't be hearing about it. I sure wouldn't listen to somebody telling me not to name my daughter the head.
by Calm Man
Mon Oct 13, 2014 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: Abigail Johnson Named Head of Fidelity Investments
Replies: 5
Views: 1088

Re: Shed into gym?

I think it is a good idea if he will use it. I just wonder how much gym space one man needs or could actually fill up? Some weights, a treadmill, what else? But in all fairness to the worker, I think that $2000 is far too little. I would pay him at least $5000.
by Calm Man
Mon Oct 13, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Shed into gym?
Replies: 23
Views: 2010

Re: Preventing animals from chewing through garage threshold

Pardon my naievete here but several comments and even OP have thought that removing the food from the garage at all would help. How do the animals know the seed are in there if the garage door is closed? Do they smell it? If so, is there a way to have a scent of some type to dissuade them like preda...
by Calm Man
Mon Oct 13, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Preventing animals from chewing through garage thresholds
Replies: 23
Views: 1392

Re: Bought a house, now time to think about retirement (help

You should be OK. You have just undertaken 2 of the greatest expenses you will have. A house and a child. Have a few more children and it will be tougher although others here will tell you not to worry about the costs of children. Good luck.
by Calm Man
Sun Oct 12, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bought a house, now time to think about retirement (help)
Replies: 27
Views: 1880

Re: You may be getting charged rent for a router/modem you o

After about 4 years of service, even though I own my own modem, I began to get two modem notations on my bills: 1. Customer owned rental : 0 charge. 2. Modem rental fee $8. I called monthly and always got the call center with very polite people from the Philippines. Eventually I made them promise at...
by Calm Man
Sun Oct 12, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 23
Views: 2195

Re: Need Help Responding to Debt Collector (for invalid requ

OP, you indicate that the subject line lead you to believe it involved the timeshare. What did it say that made you conclude that?
by Calm Man
Sun Oct 12, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Need Help Responding to Debt Collector (for invalid request)
Replies: 11
Views: 962

Re: Non performance by executrix

OP, can you clarify? When you say she is not responding do you mean that she will not answer the phone or an email? Did she used to talk to your spouse and now has stopped? Also, you mention vacations, new homes -- are you saying that this executrix has done that since the death and suspect she has ...
by Calm Man
Sat Oct 11, 2014 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Non performance by executrix
Replies: 38
Views: 2909

Re: Aca insurance/medicaid

I don't understand. Are the two of you actually considering the possibility of having no income (or profit as you are calling it)? How do you plan on meeting expenses as Medicaid is only for health insurance. And are you prepared to only be able to go to doctors who take Medicaid? What does your job...
by Calm Man
Sat Oct 11, 2014 5:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Aca insurance/medicaid
Replies: 13
Views: 1185

Re: convenience vs cost (Vanguard vs NY 529)

I would do exactly what you concluded..
by Calm Man
Sat Oct 11, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: convenience vs cost (Vanguard vs NY 529)
Replies: 8
Views: 916

Re: Gains and Losses from Periodic Investments

Greyfox, thank you very much for an excellent effort and sharing it with us.
by Calm Man
Sat Oct 11, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: Gains and Losses from Periodic Investments
Replies: 9
Views: 738

Re: Pension lump sum payout [and help with portfolio]

I would absolutely not wait for 30 years to get $310 a month regardless of whether it is a medical center in poor financial shape or Fort Knox paying me. I would want it out of my mind. I suggest rolling it to an IRA and investing it according to your desired asset allocation.
by Calm Man
Sat Oct 11, 2014 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Pension lump sum payout [and help with portfolio]
Replies: 17
Views: 666

Re: Current market volatility

"You guys think we are in for more declines in the coming weeks? I actually just sold a bunch of my funds after the 2% increase on Wed and havent bought back in yet. I was about to do some rebalancing but im thinking i should maybe hold it in cash until things calm down a bit. My bonds have be...
by Calm Man
Sat Oct 11, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Current market volatility
Replies: 21
Views: 1621

Re: over-59.5 in-service withdrawal from 401K ?

The company 401K provider will almost certainly mail you the check even though you don't want it. Then you mail it to Vanguard. You will get a 1099R from the 401K provider. But you will report the gross as what you get and the taxable as zero. So there are no IRS problems but you do have to deal wit...
by Calm Man
Fri Oct 10, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: over-59.5 in-service withdrawal from 401K ?
Replies: 9
Views: 600

Re: "Vanguard converting mutual fund accounts to brokerage?

I don't want it !!! I only use MFs and I don't want the darned brokerage account nor have to look at it..
by Calm Man
Fri Oct 10, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 72
Views: 7997

Re: Tax deduction (if any) of air commuting?

There are many people I know who have offices right near the home. It is fairly common in NYC almost de facto and in NJ where I am, there are these offices where you rent some space, have a desk and access to a printer, etc. That is completely legitimate and I have never done it but have thought abo...
by Calm Man
Thu Oct 09, 2014 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax deduction (if any) of air commuting?
Replies: 5
Views: 431

Re: Is a fall in portfolio value "only on paper"?

I don't believe the "only on paper" thing because I want my money to be real money and not fake-o money. After I read "Why Smart People Make Big Money Mistakes" by Gilovich and Belsky, I gave up a lot of bad habits such as this "only on paper" thing. In particular, I h...
by Calm Man
Thu Oct 09, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Is a fall in portfolio value "only on paper"?
Replies: 86
Views: 3599

Re: Invested Windfall and Now Market Is Down

Do not feel stupid. Be proud of yourself. I do not know if you were 100% stocks, but most of us would recommend always having some bonds. Since mid September, bonds are up a few %. Stocks are down a few percent. If this type of loss bothers you (and that does not mean there is something wrong with y...
by Calm Man
Thu Oct 09, 2014 5:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invested Windfall and Now Market Is Down
Replies: 34
Views: 4898

Re: Late start, low income - what to do first?

English Girl,
I have always enjoyed your posts and you seem to have a good head on your shoulders. [OT comments removed by admin LadyGeek]
by Calm Man
Wed Oct 08, 2014 4:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2614

Re: New B of A visa chip card, no pin needed?

All I know is that Chase replaced my card with one with a chip. It is a credit card. It still gets swiped like the prior one. I am not sure what it has added as the chip doesn't get swiped. I am Sargent Schultz on this one.
by Calm Man
Tue Oct 07, 2014 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 30
Views: 2262

Re: My CFP Plan

I think this is wonderful. Obviously I do not need to tell you that your first obligation is the child. Every night and every day making sure that when you are long gone the child is provided for. I think there are a good number of lawyers trained in special needs and who advise parents with means a...
by Calm Man
Tue Oct 07, 2014 7:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: My CFP Plan
Replies: 10
Views: 1481

Re: Is it a no-brainer to cont w/emp health ins vs medicare

I will have a similar option in 3 + years. There is no way I won't sign up fro Medicare A and B, period. I don't care if I have double or triple or quadruple coverage. Regarding Part D, I am assured that if I do the company retiree program that the D is one of those that qulaifies to convert over. W...
by Calm Man
Tue Oct 07, 2014 7:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it a no-brainer to cont w/emp health ins vs medicare
Replies: 9
Views: 1178

Re: Wife Expecting, Down to One Income Source

Is there a chance that perhaps we could please avoid referring to full-time parents as "not-working"? It isn't accurate (many work very hard!) and has negative connotations when people try to return to the workforce, seek medical care, or just have their work respected by those around the...
by Calm Man
Tue Oct 07, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8007

Re: help me help a friend, financially

OP, doesn't she have a brother to go to on this and spare you? Will you take on my sister as well? :D There seem to be some people who are the type that will go from problem to problem and seem to have less aggravation about it than the people they seek help or advice from. They then do what they wa...
by Calm Man
Tue Oct 07, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: help me help a friend, financially
Replies: 24
Views: 2365

Re: Wife Expecting, Down to One Income Source

Why are all you guys quitting work because of having a child and just having the wife work? I have found that like some of the posters in this thread, those I knew that went down to one income had to do things like reduce cable service, have less entertainment and struggled more financially than tho...
by Calm Man
Tue Oct 07, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Wife Expecting, Down to One Income Source
Replies: 116
Views: 8007

Re: Taxes on Over Priced Prize?

I do not understand why you are even thinking about this? Why would you consider it to be worth $1000 and report $1000 if it is worth $100? The charity can say whatever they want - why would you go with their estimate which is 10 x too high? Just report the item as $100 miscellaneous income and you'...
by Calm Man
Mon Oct 06, 2014 5:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Taxes on Over Priced Prize?
Replies: 10
Views: 1727

Re: Steps to TLH from a Vanguard Mutual Fund Account

Regarding people reading instructions, I am one of those people who used to do that and do the returns by hand rather than using software. My argument for spending this extra time was simply that unless I did the return myself, I wouldn't really understand the workings of the tax system. I recently ...
by Calm Man
Sun Oct 05, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Steps to TLH from a Vanguard Mutual Fund Account
Replies: 24
Views: 1170

Re: POA Reporting Requirements to Family

There is absolutely no requirement for him to report to the family. There are many people who are part of the family and also many people who might have an interest in his affairs. There is no requirement for him to meet with anybody to provide an accounting. If I were he, I would be very cautious b...
by Calm Man
Sat Oct 04, 2014 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: POA Reporting Requirements to Family
Replies: 24
Views: 1576

Re: When life throws curve, live a little or save?

Trying to be as gentle as possible, but you both are physicians as I am, let's look at the binary outcome. Your daughter is a good part of the reason or maybe most of it for buying the house. If the positive outcome happens, well, gee, nothing wrong with the house. In fact, it's great. If the bad ou...
by Calm Man
Sat Oct 04, 2014 12:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: When life throws curve, live a little or save?
Replies: 19
Views: 2711

Re: Steps to TLH from a Vanguard Mutual Fund Account

Dodedecadron addressed an issue that has long been on my mind relating to TLH although admittedly I have never done a TLH and might depart this earth without ever having done one. It is how a person knows to alter his/her qualified dividends to non-qualified status because of a THL. Gee. If the brok...
by Calm Man
Fri Oct 03, 2014 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Steps to TLH from a Vanguard Mutual Fund Account
Replies: 24
Views: 1170

Re: confronting a coworker

As of now I am 95% on the side of the co-worker. I would love to hear the co-worker's version of this. OP, I think you need to follow livesoft's advice above.
by Calm Man
Fri Oct 03, 2014 9:15 pm
 
Forum: Personal Consumer Issues
Topic: confronting a coworker
Replies: 44
Views: 3584

Re: Estimating Future Investment Returns — On a Napkin

This is all wonderful if you assume that the earnings growth will be XX and the inflation rate will be YY. You are much more skilled than I am. Real returns can't be used for an investing analysis because you can only look at what you are doing relative to a riskless security such as a T bill. Even ...
by Calm Man
Fri Oct 03, 2014 8:21 pm
 
Forum: Investing - Theory, News & General
Topic: Estimating Future Investment Returns — On a Napkin
Replies: 75
Views: 4766

Re: confronting a coworker

Are you saying that you had an agreement with him, then forgot? That is certainly something that happens. I don't follow the rest of it though. To the other employee, it looks like you didn't honor your agreement. His words may have been strong but I would say to let it go (if I understand it right)...
by Calm Man
Fri Oct 03, 2014 1:52 pm
 
Forum: Personal Consumer Issues
Topic: confronting a coworker
Replies: 44
Views: 3584

Re: Investment reallocation and transfer help

OP, I must be misreading something or a decimal point is off or it is too late at night. You say that you have a mid 5 figure portfolio. Let's make it the absolute middle of $50,000. When I add up your wife's percent, they add up to 1%, which means she has $500? You can't move that to Vanguard. Does...
by Calm Man
Thu Oct 02, 2014 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investment reallocation and transfer help
Replies: 4
Views: 290

Re: should we all own a small cap fund?

Yes, we all should own a small cap fund. However, I am a sinner and do not. I anticipate a lower return by some percentage for life but I am lazy and like just owning the Vanguard Total Stock Market fund.
by Calm Man
Wed Oct 01, 2014 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: should we all own a small cap fund?
Replies: 11
Views: 491

Re: I want to pay off my mortgage.

Whoa. A 33 year old can reasonably assume they will have social security when they retire, although SS tells us very clearly on the annual statement that as of now, only about 75% of the expected benefits would get paid without changes to the law. But a pension? You cannot be certain of what pension...
by Calm Man
Wed Oct 01, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: I want to pay off my mortgage.
Replies: 36
Views: 2678
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