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I just filed a Restrictive App at the SS office

Here how it worked. My wife is 62 and is currently receiving a reduced benefit for filing before Full Retirement Age. (she was our lower income earner so that made sense for her to start then). Plus she is 3 1/2 years younger so I want to postpone my benefits as long as possible. I filed a Restricti...
by Cody
Wed Jan 28, 2015 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: I just filed a Restrictive App at the SS office
Replies: 14
Views: 1294

Re: Help with exchanging Short Term bonds/Tips

Thanks for the comments. Tips have always been a bit of "pill to swallow" for me. But I will think on this before making a change.

cody
by Cody
Mon Jan 26, 2015 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with exchanging Short Term bonds/Tips
Replies: 3
Views: 302

Help with exchanging Short Term bonds/Tips

I am considering exchanging my Short Term Bonds Fund (VFSTX) and my Short Term Tips Fund (VTIPX) for a Vanguards Short Term Corporate Fund. We are talking about 17% of my total portfolio (about 34% of my fixed incomes side). My major position is fixed is Total Bond Market (28% of total portfolio or ...
by Cody
Sun Jan 25, 2015 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with exchanging Short Term bonds/Tips
Replies: 3
Views: 302

Re: Anyone have the X1 Platform from XFINITY yet?

Thanks. So at this point Comcast installs the main box and a slave box on each tv in the house. I assume you can still watch tv on the extra tvs? Plus you can watch any on demand from those tv.s So it is faster on remote action and does On Demand - but anything else? It runs off cable right? Not wif...
by Cody
Sat Jan 03, 2015 8:20 am
 
Forum: Personal Consumer Issues
Topic: Anyone have the X1 Platform from XFINITY yet?
Replies: 11
Views: 1310

Anyone have the X1 Platform from XFINITY yet?

Can you give us the scoop on self install etc? Was it easily done?

How is it working for you?

I assume if you have a HD box from Comcast currently the cost will be the same?

Thanks,
cody
by Cody
Fri Jan 02, 2015 7:34 pm
 
Forum: Personal Consumer Issues
Topic: Anyone have the X1 Platform from XFINITY yet?
Replies: 11
Views: 1310

Re: Bonds go in taxable (whitecoatinvestor aka EmergDoc arti

Taylor

this link: Optimal Asset Location and Allocation with Taxable and Tax-Deferred Investing "could not be found". I didn't read the entire list of posts but hope I can see it sometime.

Thanks
cody
by Cody
Tue Dec 30, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds go in taxable (whitecoatinvestor aka EmergDoc article)
Replies: 111
Views: 10678

Is 22 months of "cash" enough for me?

Hi all, I would like your input about my retirement situation. I am posponing my Social Security beyond FRA of 66 - on my dime. We used our retirement funds to fund a special "postponing SS" at Ally. The money sitting there currently will buy us 22 months of postponement. We also have a se...
by Cody
Sun Dec 28, 2014 9:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Is 22 months of "cash" enough for me?
Replies: 8
Views: 1612

Re: 15% Capital Gain Rate and 0% Taxable Income

How does Vanguard discourage repurchase in of the same fund? I assume you sell (maybe put into Prime MM) and the next day buy back the same fund? Is it a reletter note say "You can't do that" or what?
Thanks,
cody
by Cody
Sun Dec 28, 2014 8:51 am
 
Forum: Personal Finance (Not Investing)
Topic: 15% Capital Gain Rate and 0% Taxable Income
Replies: 39
Views: 2584

Re: Taking advantage of 15% tax bracket

Your right that the wash rule is for losses only.

Should I reinvest in TSM or create a second fund?

Best,
cody
by Cody
Wed Dec 17, 2014 12:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of 15% tax bracket
Replies: 6
Views: 1112

Taking advantage of 15% tax bracket

Hi all, This year's end finds me with the opportunity to "sell" some Total Stock Market with long term cap gains (in a taxable account) and not have it be taxed because I'm in the 15% tax bracket. Assuming all my math is correct (meaning it all looks good on tx front) my question is not ab...
by Cody
Wed Dec 17, 2014 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of 15% tax bracket
Replies: 6
Views: 1112

Cramer says bye-bye to bonds for retirement, sort of?

A CNBC "article" was headlined "Cramer says bye-bye to bonds for retirement", then proceeds to tell us to remember Cramers bond rules - basically a chart showing age in bonds (maybe minus ten or twenty). So age 40 = 20 to 30 percent of portfolio in bond, age 60 = 40 to 50 percent...
by Cody
Fri Nov 28, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cramer says bye-bye to bonds for retirement, sort of?
Replies: 5
Views: 2022

Re: American Funds

Nice job Seattlenative!
Cody
by Cody
Fri Nov 21, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: American Funds
Replies: 14
Views: 2339

Assumptions on inflation and buying/selling tips

I just looked at a bunch of inflation projections for the next ten years. The "experts" seem to feel it should be around 2-2.3% or so. Assuming that is accurate (yeah I know :( ) does that mean if one have a 10 year horizon that a CD earning 2-23% and a Tips 10 year duration fund (like Van...
by Cody
Tue Oct 28, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Assumptions on inflation and buying/selling tips
Replies: 7
Views: 753

Re: Help on Turbo Tax Long term cap gains

cherijoh
I can see the confusion. The MN Tax is not total I owe - it is what I would recieve back as a refund with various senarios. (based on what taxes I had paid to MN as I entered data. So I would get back $1239 with #1 and $1095 with #2.

Sorry about that.

Cody
by Cody
Sat Oct 25, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1752

Re: Help on Turbo Tax Long term cap gains

Thanks Peter - but the damage is done and she started SS. See you on November 1st. I see Mn LTCG tax is: Minnesota includes all net capital gains income in taxable income and subjects it to the same tax rates as apply to other income: 5.35, 7.05, 7.85, and 9.85 percent. So looks like its 7.85 for us...
by Cody
Sat Oct 25, 2014 11:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1752

Re: Help on Turbo Tax Long term cap gains

Ok - I went to H&R Block and didn't learn all that much but two things: 1) when I enter my Edit Long Term Cap Gains and change the sale price and cost basis - the Totals on the screen stay the same as the first entry (in this case the totals all stay at Sale Price $5000, Cost Basis $3000 regardl...
by Cody
Sat Oct 25, 2014 9:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1752

Re: Is this worth it?

Thanks House Blend. Many of these things you've mentioned make sense to me. The advantage of bonds in taxable is to rebalance or sell on the taxable side without LTCG. But.... you are saying that bonds can't accumulate long term cap gains? Right? Although I don't think we are talking a lot of tax be...
by Cody
Thu Oct 23, 2014 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this worth it? [capital gains issue]
Replies: 7
Views: 1503

Is this worth it? [capital gains issue]

I am considering selling (exchanging), in a taxable account at Vanguard, some Total Stock Market to Investment Grade Short Short Term Bond fund. PS - I have worked out my long term cap gains issues I posted earlier and will fill you in later on that (thanks to the forum). I'm 65 8 months and have lo...
by Cody
Thu Oct 23, 2014 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Is this worth it? [capital gains issue]
Replies: 7
Views: 1503

Re: Help on Turbo Tax Long term cap gains

PS - my wife is starting SS in November and I entered that info (2 months worth) into the dummy 2014 sample. Not much ($2k)
cody
by Cody
Thu Oct 16, 2014 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1752

Re: Help on Turbo Tax Long term cap gains

So sorry to all of you who might have felt that I posted and left. I've been unable to do my tax senario and will certain get to soon.

Great suggestions and thanks,

Peter Foley is correct. Two pensions are ok but one is small. I am not on SS yet and am waiting (current age almost 66).

Best,
cody
by Cody
Thu Oct 16, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1752

Re: Help on Turbo Tax Long term cap gains

Married and its checked. But good thought.

Thanks,
cody
by Cody
Tue Oct 14, 2014 8:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1752

Help on Turbo Tax Long term cap gains

I'm doing a sample run of my 2014 taxes on Turbo Tax. I have about 40% long term cap gains on some taxable Total Stock Market I'd like to exchange to bonds.(sell) My assumption is that since I am in the 15% tax bracket, as long as I say under $70k+ income I would pay no tax on the gains. (line 43) B...
by Cody
Tue Oct 14, 2014 8:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1752

Re: Best solution for clouded auto headlight lens?

I bought an after market set of covers and they were not a good choice. Not clear and not good to drive at night with. So buy with caution if you go that route.

Best,
cody
by Cody
Sun Oct 12, 2014 8:07 am
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 3009

Re: Should we switch our TIPS fund?

Taylor - care to share what you did in 2012 and how you feel about the decision now?

Would you do it differently today?

Thanks,
cody
by Cody
Mon Aug 18, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Should we switch our TIPS fund?
Replies: 49
Views: 5904

Re: Understanding implications of Shiller CAPE on retirement

Peer review is a very good thing. Mebane Faber on Shiller PE10 ratio (June 15, 2010 by Tobias Carlisle) (from the link provided above) was an unbelieveable amount of work and effort to rebut the Hussman Chart. He concluded that the predictive power of the PE!0 ratio is likely flawed. Ok so now I (as...
by Cody
Mon Aug 11, 2014 8:32 am
 
Forum: Investing - Theory, News & General
Topic: Understanding implications of Shiller CAPE on retirement
Replies: 27
Views: 2732

Re: Understanding implications of Shiller CAPE on retirement

Could someone clarify the relationship of PE 10 to a given asset allocation (per the article). If PE 10 is high (as now) then ......

T
cody
by Cody
Sun Aug 10, 2014 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: Understanding implications of Shiller CAPE on retirement
Replies: 27
Views: 2732

Re: Just lost 3% Metlife Stable Value Fund - now what?

Over-thinking it is my specialty. It is somewhat difficult to transition from that "nice cash fund" to not having it. Going from 17.5% cash overall to 7.5% is a big decision for us. So we are trying to come up with a "confortable" alternative (although it is forced on us and have...
by Cody
Sun Aug 10, 2014 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Just lost 3% Metlife Stable Value Fund - now what?
Replies: 4
Views: 748

Just lost 3% Metlife Stable Value Fund - now what?

Long story short. About 10% of our retirement portfolio was with a Metlife Stable Fund earning 3% tax deferred. Now it has been moved to a money market fund earning (had no choice) earning .20 %. So now what? Our goal with that money was to have a cash like reserve and at 3% we thought it was probab...
by Cody
Sun Aug 10, 2014 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Just lost 3% Metlife Stable Value Fund - now what?
Replies: 4
Views: 748

Re: Understanding implications of Shiller CAPE on retirement

gatorman, thanks. Great link.

Seems like it may be best to "stay the course" too on my philosophy of adaptable withdrawal rate, waiting as long as I can to take social security, limit risk as much as I can, and pray.

best,
cody
by Cody
Sun Aug 10, 2014 9:00 am
 
Forum: Investing - Theory, News & General
Topic: Understanding implications of Shiller CAPE on retirement
Replies: 27
Views: 2732

Understanding implications of Shiller CAPE on retirement

I read with great interest Michael Kitces blog post Shiller CAPE Market Valuation: Terrible For Market Timing, But Valuable For Long-Term Retirement Planning (http://www.kitces.com/blog/shiller-cape-market-valuation-terrible-for-market-timing-but-valuable-for-long-term-retirement-planning/). It is t...
by Cody
Sat Aug 09, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: Understanding implications of Shiller CAPE on retirement
Replies: 27
Views: 2732

Re: HELP! Budget Out of Control

Just remember "don't let the quest for the perfect budget get in the way of a good budget."

You have a good budget and it only need tweaks.

Best,cody
by Cody
Tue Aug 05, 2014 8:50 am
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3836

Re: International investing. A good call by our mentor.

Maybe someone could create a survey on "How much do you have invested specifically in international equity, aside from any international investing that comes from owning Total Stock Market, if any." Although it may be meaningless it is always interesting to me to see what Bogleheads actual...
by Cody
Fri Aug 01, 2014 8:30 am
 
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 145
Views: 13191

Re: Public Speaking-help

Do not expect beta blockers to "make you feel different" than normal. It may slow down your heart rate but you will probably not "feel" the difference. That doesn't mean, however, that they aren't working. My doctor said even the plocibow affect, in addition, may be helpful. I ag...
by Cody
Sun Jul 27, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 79
Views: 5752

Re: File and suspend qustion

Any help my numbers?

Thanks,
cody
by Cody
Sat Jul 19, 2014 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend qustion
Replies: 6
Views: 810

Re: File and suspend qustion

Could we put some hypothetical numbers to that.

Her benefits age 62 = $1000 (this is the reduced benny from FRA) - her current age 62
His FRA benefits age 66 = $2100 - His current age 65

Would you need more info?

PIA?

Thanks,
cody
by Cody
Fri Jul 18, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend qustion
Replies: 6
Views: 810

File and suspend qustion

Here is the story: If the husband is age 66 and he files and suspends, and the wife is age 62, she can claim a spousal benefit at that time. Of note, however, is that her benefit as his spouse will be reduced due to claiming it early. In addition, when she files for a spousal benefit prior to her FR...
by Cody
Fri Jul 18, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend qustion
Replies: 6
Views: 810

Re: How are long term cap gains actually applied to taxes?

Got it. Thanks all and thanks for the helpful website.

Funny, when I started to DIY investing I wanted nothing to do with understanding taxes. Well you just saved my some $ that I may have needlessly spent here.

Thanks again,
best,
cody
by Cody
Sat Jul 05, 2014 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: How are long term cap gains actually applied to taxes?
Replies: 6
Views: 915

Re: I found a new coffee.

Myths on coffee making.

http://www.vanhoutte.com/en-ca/c-the-co ... ture/myths

from Vanhoutee.

Best,
cody
by Cody
Fri Jul 04, 2014 8:05 am
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5986

Re: How are long term cap gains actually applied to taxes?

The gains would be taken out before the 25% tax bracket was reached.

Both good suggestions. Say I am $6000 below the 25% tax bracket. So the question then is what about the $4000?

I'll work on the form. Any other help?

Thanks,
cody
by Cody
Wed Jul 02, 2014 8:32 am
 
Forum: Investing - Theory, News & General
Topic: How are long term cap gains actually applied to taxes?
Replies: 6
Views: 915

How are long term cap gains actually applied to taxes?

I wasn't sure how to word this topic but I would like a clarification on how long term capital gains are actually applied to taxes. Suppose I cash out $10,000 of long terms cap gains in the 15% tax bracket. Suppose I am $5000 below the thresshold to the next tax bracket (25% in this case). How much ...
by Cody
Tue Jul 01, 2014 9:00 am
 
Forum: Investing - Theory, News & General
Topic: How are long term cap gains actually applied to taxes?
Replies: 6
Views: 915

Re: Boston or south Boston chapter

I love the Minnesota model. We Bogleheads meet 4 times a year in large group led by a small committee (30 to 50 people on average). They meet at libraries generally. Then on the in between months we have two small coffee groups (4-10 people on average). One, BHEast, meets on the east side of the Twi...
by Cody
Sat Jun 28, 2014 8:20 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Boston or south Boston chapter
Replies: 96
Views: 4626

Re: Any suggestions/advice on how I can improve my portfolio

Welcome to the forum. You did lots of work on the original post. That was several days ago. I hope you stick with it and maybe realize that it takes a lot of energy to manage such a huge bunch of funds (just think how simple it could have been with maybe 3 or 4 low cost mutual funds). Good luck. Rea...
by Cody
Sun Jun 22, 2014 8:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Any suggestions/advice on how I can improve my portfolio?
Replies: 18
Views: 1229

Re: Who are the BogleHeads.org heavyweights?

Peter Foley - author and common sense guy!
Cody
by Cody
Sun Jun 01, 2014 8:46 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 9959

Re: The Challenge of Funding Retirement -Robert Merton

I'm just guessing that Jack Bogle's early advice (before Vanguard) might lead to some poor financial results as well. Although not probably catastrophic lost.

Cody
by Cody
Sun Jun 01, 2014 8:43 am
 
Forum: Investing - Theory, News & General
Topic: The Challenge of Funding Retirement -Robert Merton
Replies: 16
Views: 3998

Re: Refinance to 15 year mortgage?

Just curious - when you saw $0 closing cost is it actually no cost to at all to you (not just refiancing and covering the actual cost at closing?)

Secondly if it is truly no closing costs where/how do you get that?

Thanks,
cody
by Cody
Sun Jun 01, 2014 8:34 am
 
Forum: Personal Consumer Issues
Topic: Refinance to 15 year mortgage?
Replies: 25
Views: 2470

Re: Best way to sell daughter our rental property

arthurb999
That is a great IRS source, very informative and helpful.

Thanks,
cody
by Cody
Mon May 19, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to sell daughter our rental property
Replies: 20
Views: 3039

Re: Social Security at 62? Let’s Run the Numbers

"U.S. Average life expectancy is 78.5" "My CPA once told me, on average people only collect social security for about 6 years. He died at 63. I don't know if that number is correct or not, but it made an impression on me. I'm now at an age where I'm reading my friend's obituaries. Whi...
by Cody
Mon May 19, 2014 8:08 am
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 8347

Re: Best way to sell daughter our rental property

Wow - you are all so helpful and thoughtful. Thank you for spending your time helping. For sure I will consult an accountant - I want this to work out correctly. I do not plan to gift my daughter the entire amount of the condo, but just he down payment we made several years ago. Great point on the d...
by Cody
Mon May 19, 2014 7:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to sell daughter our rental property
Replies: 20
Views: 3039

Re: Best way to sell daughter our rental property

Any other things to look for here as we proceed?
Thanks,
cody
by Cody
Sun May 18, 2014 9:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to sell daughter our rental property
Replies: 20
Views: 3039

Re: Best way to sell daughter our rental property

They are divorced. She has total "custody" of the kids. But, that said, it is good to check on the "gift to daughter" if it somehow affects the settlement. We provided the down payment $30k, since it is our rental. I'd love to give her that (gift of equity) but can't see a way to...
by Cody
Fri May 16, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to sell daughter our rental property
Replies: 20
Views: 3039
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