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by Cody
Sat May 16, 2015 8:58 am
Forum: Investing - Help with Personal Investments
Topic: Anybody 50/50?
Replies: 78
Views: 6129

Re: Anybody 50/50?

Didn't read every post here one but one can't forget the impact of taxes. We are currently 48-52 before taxes and 44-56 after taxes (maybe not a big difference) but could come into more play with a different portfolio (meaning if you had more in say tax deferred or Roths or taxable than we do it mig...
by Cody
Mon May 11, 2015 8:34 am
Forum: Investing - Theory, News & General
Topic: Bonds: All Treasuries or Mixture?
Replies: 17
Views: 1900

Re: Bonds: All Treasuries or Mixture?

Could someone explain the "meaning" of the per cents as given. Are they suggested upper limits. Are they % of the entire portfolio or just of the fixed side. What is the context of the numbers is what I am asking. Recommended Vanguard gov't bond funds: http://paulmerriman.com/vanguard/ Tha...
by Cody
Wed Apr 29, 2015 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Which funds go where?
Replies: 11
Views: 904

Re: Which funds go where?

Thanks for that help Duckie. I see you switched Ftse to International fund - I assume for more international exposure. Is 4% worth it? I have given off and on thought to international bonds (when CD's come due in a few years) but just not sure on that. I assume Total Stock in Roths for max gain in t...
by Cody
Wed Apr 29, 2015 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Which funds go where?
Replies: 11
Views: 904

Re: Which funds go where?

Here are the approximate fund percent of entire portfolio. Taxable (but probably off limits for changes in 2015) due to cap gains but would take suggestions. (ALL FUNDS AT VANGUARD) Total Stock Market - 6% Ftse-All World except US - 10% Total = 16% His Rollover IRA Total Stock Market - 11% Total Bon...
by Cody
Wed Apr 29, 2015 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Which funds go where?
Replies: 11
Views: 904

Which funds go where?

I realize that there is a great deal of thinking about "what funds where". Often there are no hard and fast rules but this is a great time from me to make changes since I do not plan to take any distribution or withdrawals this year. Ages him 66 and her 63. Please take a look at my portfol...
by Cody
Tue Apr 28, 2015 8:02 am
Forum: Investing - Theory, News & General
Topic: 10 index fund allocation how does it stack up?
Replies: 23
Views: 2287

Re: 10 index fund allocation how does it stack up?

Not sure how this stacks up - but just keep in mind even if this portfolio outperforms a three or four fund portfolio that doesn't mean it will outperform in reality. People make mistakes in rebalancing etc with a great number of choices and thus what might appear to be better may not be. That said ...
by Cody
Thu Apr 23, 2015 8:13 am
Forum: Personal Consumer Issues
Topic: Mac computer people (or others) need your thoughts
Replies: 15
Views: 1399

Re: Mac computer people (or others) need your thoughts

Postby WhyNotUs » Wed Apr 22, 2015 11:01 pm Pop funders are not a virus. Some are scareware to try to get you to buy something (MacKeeper) and others are annoying in other ways. They are very different than a worm or virus that can attack your system or create a gateway for others to access your da...
by Cody
Wed Apr 22, 2015 10:49 pm
Forum: Personal Consumer Issues
Topic: Mac computer people (or others) need your thoughts
Replies: 15
Views: 1399

Mac computer people (or others) need your thoughts

Suddenly I got many popups on almost every screen on my MacBook Pro. I could not even use it really. The pop ups were often at the top (massive banners), side of the screen, or even on top of buttons (so I could not chose the button). I went into Apple (genius bar) and got it taken care of with a pr...
by Cody
Wed Apr 22, 2015 10:01 pm
Forum: Investing - Theory, News & General
Topic: Retirees: What is your SWR in retirement?
Replies: 45
Views: 4087

Re: Retirees: What is your SWR in retirement?

We adopted another approach. We are pushing 68, and plan to start tapping our retirement funds in about two years. The first fifteen years will be covered by our IRA CDs (along with other income), so our "SWR" on our balanced portfolio won't kick in until we're 85. At that point, I suspec...
by Cody
Thu Apr 16, 2015 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: How's my diversification?
Replies: 7
Views: 839

Re: How's my diversification?

Thanks for the thoughts - I have considered all of the above. I think as the CD's come due I'll probably move the money to a simple bond fund (one of the two I already have. I am waiting to see how things work out here but I am currently taking a restricted app on my wifes Social security (just star...
by Cody
Thu Apr 16, 2015 9:39 am
Forum: Investing - Help with Personal Investments
Topic: How's my diversification?
Replies: 7
Views: 839

How's my diversification?

A little help from my friends - how does this look in terms of diversification only? Age 66 (AA - before taxes 44-56) (AA - after taxes 47-53). Mid 6 figures. In retirement - Just gave you this line in case. Overall perceent of: Total Stock Market - VTSMX 31% (70% of equity) Total Bond Market - VBMF...
by Cody
Fri Mar 27, 2015 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Reorganizing credit cards and accounts
Replies: 33
Views: 3165

Reorganizing credit cards and accounts

I have decided that each day I am going to work on one account/credit card/debit card to clean it up or cancel. I know there are some possible credit score dings for closing some accounts (athough not sure about that). But we will now have time to wieght for the score to go back again if that is the...
by Cody
Thu Mar 19, 2015 8:20 am
Forum: Investing - Theory, News & General
Topic: Where is Larry Swedroe
Replies: 18
Views: 4368

Re: Where is Larry Swedroe

Maybe he has been hiding with Putin? :wink:
cody
by Cody
Fri Mar 13, 2015 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: LifeStrategy Moderate Growth vs Separate funds
Replies: 51
Views: 5556

Re: LifeStrategy Moderate Growth vs Separate funds

The all in one funds protect you from you and if you are "prone to tinker" they are even better at that. Although they recently did a bit of tinkering in either Target or Life Strat (not sure which).
cody
by Cody
Fri Mar 13, 2015 9:16 am
Forum: Personal Finance (Not Investing)
Topic: Anyone sell property to a relative?
Replies: 1
Views: 297

Anyone sell property to a relative?

We just sold our condo rental to a relative (they had rented it from us and plan to live there). I have been reading lots on tax code for such a sale and realize that the tax code is different in such a sale. Almost know one new when we bought the condo that selling to a relative was so different ta...
by Cody
Sat Feb 28, 2015 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Anyone know if Minnesota has a "recapture tax"?
Replies: 0
Views: 379

Anyone know if Minnesota has a "recapture tax"?

I'm selling a condo and have found that the federal goverment has a 25% recapture tax on depreciation.

Does anyone know if Minnesota all has the same? Can not find any info on line for that.

Thanks,
cody
by Cody
Thu Feb 26, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Which Car? struggling to decide
Replies: 45
Views: 3260

Re: Which Car? struggling to decide

I suggest reading Eric Baker's blog (http://www.bakadesuyo.com). His last post was about the science of making choices. Worth a look when there are so many options.

Best,
cody
by Cody
Thu Feb 05, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: What to buy sweetie for Valentine's Day
Replies: 97
Views: 6204

Re: What to buy sweetie for Valentine's Day

40 years ago I got my new wife an electric iron (for clothes). Try that and see how it flys.

Oh yeh, she still reminds me of that fact.

Ever the romantic,
cody
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: 39
Views: 2627

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
Mon Jan 26, 2015 1:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help with exchanging Short Term bonds/Tips
Replies: 3
Views: 341

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
Sun Jan 25, 2015 9:31 am
Forum: Investing - Help with Personal Investments
Topic: Help with exchanging Short Term bonds/Tips
Replies: 3
Views: 341

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
Sat Jan 03, 2015 8:20 am
Forum: Personal Consumer Issues
Topic: Anyone have the X1 Platform from XFINITY yet?
Replies: 11
Views: 1548

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
Fri Jan 02, 2015 7:34 pm
Forum: Personal Consumer Issues
Topic: Anyone have the X1 Platform from XFINITY yet?
Replies: 11
Views: 1548

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
Tue Dec 30, 2014 6:47 pm
Forum: Investing - Theory, News & General
Topic: Bonds go in taxable (whitecoatinvestor aka EmergDoc article)
Replies: 111
Views: 11246

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
Sun Dec 28, 2014 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Is 22 months of "cash" enough for me?
Replies: 8
Views: 1637

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 8:51 am
Forum: Personal Finance (Not Investing)
Topic: 15% Capital Gain Rate and 0% Taxable Income
Replies: 39
Views: 2677

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
Wed Dec 17, 2014 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of 15% tax bracket
Replies: 6
Views: 1150

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 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of 15% tax bracket
Replies: 6
Views: 1150

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
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: 2074

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 21, 2014 9:28 am
Forum: Investing - Help with Personal Investments
Topic: American Funds
Replies: 14
Views: 2446

Re: American Funds

Nice job Seattlenative!
Cody
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: 769

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
Sat Oct 25, 2014 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1834

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 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1834

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 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1834

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
Thu Oct 23, 2014 2:08 pm
Forum: Investing - Help with Personal Investments
Topic: Is this worth it? [capital gains issue]
Replies: 7
Views: 1525

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 8:28 am
Forum: Investing - Help with Personal Investments
Topic: Is this worth it? [capital gains issue]
Replies: 7
Views: 1525

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 16, 2014 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1834

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 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1834

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
Tue Oct 14, 2014 8:36 am
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1834

Re: Help on Turbo Tax Long term cap gains

Married and its checked. But good thought.

Thanks,
cody
by Cody
Tue Oct 14, 2014 8:00 am
Forum: Personal Finance (Not Investing)
Topic: Help on Turbo Tax Long term cap gains
Replies: 29
Views: 1834

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
Sun Oct 12, 2014 8:07 am
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 3436

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
Mon Aug 18, 2014 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Should we switch our TIPS fund?
Replies: 49
Views: 6102

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 11, 2014 8:32 am
Forum: Investing - Theory, News & General
Topic: Understanding implications of Shiller CAPE on retirement
Replies: 27
Views: 2812

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
Sun Aug 10, 2014 6:48 pm
Forum: Investing - Theory, News & General
Topic: Understanding implications of Shiller CAPE on retirement
Replies: 27
Views: 2812

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 9:52 am
Forum: Investing - Help with Personal Investments
Topic: Just lost 3% Metlife Stable Value Fund - now what?
Replies: 4
Views: 776

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 9:40 am
Forum: Investing - Help with Personal Investments
Topic: Just lost 3% Metlife Stable Value Fund - now what?
Replies: 4
Views: 776

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 9:00 am
Forum: Investing - Theory, News & General
Topic: Understanding implications of Shiller CAPE on retirement
Replies: 27
Views: 2812

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
Sat Aug 09, 2014 9:13 am
Forum: Investing - Theory, News & General
Topic: Understanding implications of Shiller CAPE on retirement
Replies: 27
Views: 2812

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
Tue Aug 05, 2014 8:50 am
Forum: Personal Finance (Not Investing)
Topic: HELP! Budget Out of Control
Replies: 47
Views: 3893

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
Fri Aug 01, 2014 8:30 am
Forum: Investing - Theory, News & General
Topic: International investing. A good call by our mentor.
Replies: 150
Views: 15594

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...

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