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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 9:51 am
 
Forum: Personal Consumer Issues
Topic: Public Speaking-help
Replies: 57
Views: 2280

Re: File and suspend qustion

Any help my numbers?

Thanks,
cody
by Cody
Sat Jul 19, 2014 11:31 am
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend qustion
Replies: 6
Views: 752

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 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend qustion
Replies: 6
Views: 752

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 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: File and suspend qustion
Replies: 6
Views: 752

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 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: How are long term cap gains actually applied to taxes?
Replies: 6
Views: 874

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 9:05 am
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5265

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 9:32 am
 
Forum: Investing - Theory, News & General
Topic: How are long term cap gains actually applied to taxes?
Replies: 6
Views: 874

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 10:00 am
 
Forum: Investing - Theory, News & General
Topic: How are long term cap gains actually applied to taxes?
Replies: 6
Views: 874

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 9:20 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Boston or south Boston chapter
Replies: 96
Views: 3680

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 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Any suggestions/advice on how I can improve my portfolio?
Replies: 18
Views: 1147

Re: Who are the BogleHeads.org heavyweights?

Peter Foley - author and common sense guy!
Cody
by Cody
Sun Jun 01, 2014 9:46 pm
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 8858

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 9:43 am
 
Forum: Investing - Theory, News & General
Topic: The Challenge of Funding Retirement -Robert Merton
Replies: 16
Views: 3889

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 9:34 am
 
Forum: Personal Consumer Issues
Topic: Refinance to 15 year mortgage?
Replies: 25
Views: 2313

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 4:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to sell daughter our rental property
Replies: 20
Views: 1912

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 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Social Security at 62? Let’s Run the Numbers
Replies: 101
Views: 7395

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 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to sell daughter our rental property
Replies: 20
Views: 1912

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 10:03 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to sell daughter our rental property
Replies: 20
Views: 1912

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 4:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best way to sell daughter our rental property
Replies: 20
Views: 1912

Best way to sell daughter our rental property

Hi folks - I need you thoughts. For 5 years now my daughter and 2 children have rented a condo we bought thinking she and her husband would buy it from us. Well the husband left (thank God) and we are now final ready to make the move to make her the owner, and move soon if possible to get best loan ...
by Cody
Fri May 16, 2014 10:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to sell daughter our rental property
Replies: 20
Views: 1912

Re: Introduction and my situation

Welcome! My only thought is now that you have started to organize your financial life keep at it until you get a plan and work that plan. (It does not have to be perfect). It is so easy to get fired up one day and then a week later forget about it. So stay on it until you and your partner agree on t...
by Cody
Thu May 15, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Introduction and my situation
Replies: 16
Views: 1705

Re: why do investors keep buying actively managed funds?

Best line ever: "if you buy these C shares (5% up front if I remember correctly) on Managed Mutual fund xx then you'll save money!" Signed my former advisor.

cody
by Cody
Thu May 15, 2014 9:12 am
 
Forum: Investing - Theory, News & General
Topic: why do investors keep buying actively managed funds?
Replies: 104
Views: 7102

Re: Dave Ramsey recommends index fund

A true Boglehead: you have a cassette radio in your car!!! :?

Cody
by Cody
Thu May 15, 2014 9:06 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey recommends index fund
Replies: 26
Views: 3889

Re: RETIRING May 31! Any advice .....?

Near retirement, what will your new Boglehead forum name be? :sharebeer

Congrats. I've appreaciated your comments over the years.

Best,
cody
by Cody
Thu May 08, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8611

Re: I'm a bit surprised by Vanguard recommendations

Just to clarify its the Vanguard Group customer rep.
cody
by Cody
Thu May 01, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a bit surprised by Vanguard recommendations
Replies: 11
Views: 2087

Re: I'm a bit surprised by Vanguard recommendations

Vanguard is the Vanguard rep on the phone (at their number). He was a customer rep for people with less than big portfolios.

Not sure what you mean "Better go through a formal financial plan process." in the context of the other part of your question.
Best,
cody
by Cody
Thu May 01, 2014 6:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a bit surprised by Vanguard recommendations
Replies: 11
Views: 2087

Re: I'm a bit surprised by Vanguard recommendations

Any more thoughts out there.

My sister needs simplicity. Does it hurt her that much, tax wise, to have a Target fund in taxable?

If she had say $50 in Total Bond Fund (part of Target) what would tax be on that part (25% tax bracket).

Thanks,
cody
by Cody
Thu May 01, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a bit surprised by Vanguard recommendations
Replies: 11
Views: 2087

Re: I'm a bit surprised by Vanguard recommendations

Thanks on the help. I'll think on that. I'm confused. Why suggest Target 2020 for tax deferred thus rasing equity there? And Target Income in taxable? So they want her to raise bonds in taxable and equity in tax deferred. Is that backward? Finally, at a minimum should they suggest the same Target fu...
by Cody
Thu May 01, 2014 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a bit surprised by Vanguard recommendations
Replies: 11
Views: 2087

Re: I'm a bit surprised by Vanguard recommendations

I see this should be posted in Investment not Personal Finance.

cody
by Cody
Thu May 01, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a bit surprised by Vanguard recommendations
Replies: 11
Views: 2087

I'm a bit surprised by Vanguard recommendations

This is a follow up post on an early thread about my sisters investments. Long story short: She is retired and sold her house and has cash. She has Target Fund 2015 in her tax deferred but wants to invest the cash as well. Her goal is to increase her equity holding (upward toward 50%). Vanguard reco...
by Cody
Thu May 01, 2014 12:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a bit surprised by Vanguard recommendations
Replies: 11
Views: 2087

Re: Bond mutual fund vs individual bonds

Not seeing much here that helps with the OP's subject line. What about bond mutual funds?

Do they provide "almost" the same results as individual bonds.

Are they close enough to say its a draw?
cody
by Cody
Sat Apr 26, 2014 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: Bond mutual fund vs individual bonds
Replies: 35
Views: 7207

Re: wood deck stain?

Hey beat this one. We had a huge bear on my deck at 3 a.m. last night. It's nose was again my sliding glass door about 3 inches from my face.

I vote Cabot semi solid. Cedar tone for us.

cody
by Cody
Fri Apr 25, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: wood deck stain?
Replies: 26
Views: 3551

Re: Help looking for ways to get to 50-50

Great help. How about this for simplicity and no rebalancing needed. Go with: Tax deferred - Target or Life strange that comes closest to 50-50 AA ($200K) Taxable - Vanguard Tax-Managed Balanced Fund (VTMFX) ($100K) So withdrawals from either will not require rebalancing because they are both 50-50....
by Cody
Sat Apr 19, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 19
Views: 1865

Re: Help looking for ways to get to 50-50

Good point that she might freak out on a down market, even if she doesn't need the money at that time.

Not familiar with Tax Managed account balanced fund. I assume in taxable? Name etc. Or did I misunderstand that?

Thanks,
cody
by Cody
Sat Apr 19, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 19
Views: 1865

Re: Help looking for ways to get to 50-50

Lots of good ideas and questions. She may have to accept the buying Cds (taxable) or even opening an online account at say PenFed is something see has to overcome mentally. The Target fund has been "perfect" for her - no management - all in one. But then she sold her house (thats the cash)...
by Cody
Sat Apr 19, 2014 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 19
Views: 1865

Re: Help looking for ways to get to 50-50

Unfornately (or fortunately) she is in the 25% tax bracket.
cody
by Cody
Thu Apr 17, 2014 9:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 19
Views: 1865

Help looking for ways to get to 50-50

My sister would like to get her portfolio AA to 50-50. We are talking about $300K+. She wants it simple so avoiding CDs even. She currently has Target 2015 in tax deferred (54% is Equity and 46% is bonds). But in taxable she has $150K cash in the bank. This gives her currently a total of 34% equity ...
by Cody
Thu Apr 17, 2014 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Help looking for ways to get to 50-50
Replies: 19
Views: 1865

Re: I'm on a mission for more security

So far here then is my list: o far I have; In no order. 1. password securtiy - probably buy a program (thinking of 1Password). 2. credit lock down at the big 3 credit beaureaus (including research on how to do this effective and practically) 3. illimate credit cards unwanted or used (I know the valu...
by Cody
Wed Apr 16, 2014 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm on a mission for more security
Replies: 15
Views: 1761

I'm on a mission for more security

Could you help me priorize things I should do to bring about more securtiy to my financial dealings. Being that I am so systematic :happy I plan to make a major securtiy change every quarter this year. I get too overwhelmed to do this all at once. First things first - what are the top 4-5 risks to m...
by Cody
Tue Apr 15, 2014 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm on a mission for more security
Replies: 15
Views: 1761

Re: The slackening...

My grandkids and I were at pizza last night when five girls (maybe 13-15 years old) came in. Ordered and drank lots (I mean lots) of coffee, then pop, and finally pizza. But what I was interested in was once the coffee came all five got out iPhones and never (and I mean never) talked after that. For...
by Cody
Tue Apr 15, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: The slackening...
Replies: 61
Views: 7904

Re: Lending money to family

Not sure you should or should not. But my new mantra is "I do not have to create the solution to family members problems." In this case maybe your are?

Good luck,
cody
by Cody
Tue Apr 01, 2014 9:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Lending money to family
Replies: 25
Views: 1979

Re: Should I keep my American Funds?

I was told by my financial adviser at Wealth Enhancement (Minnesota) that the reason for the A share is to keep costs down. How I asked. Well, he said, with out the A share up front people would be tempted to move in and out of the fund. With the high cost up front it helps prevent people from the t...
by Cody
Tue Mar 18, 2014 10:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I keep my American Funds?
Replies: 19
Views: 1406

Ally federal tax withholding

I am currently taking a distribution from my Ally IRA money market account. (with fed tax withheld) I have questions that are a bit fuzzy here. I chatted with them and: They said that they "provide Ferderal tax withholding a courtesy to their customs". It is true that they provide this ser...
by Cody
Sat Mar 08, 2014 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Ally federal tax withholding
Replies: 2
Views: 208

Re: Does anyone not take depreication on rental?

Kyle - that makes sense.
Thanks,
Cody
by Cody
Tue Feb 25, 2014 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Does anyone not take depreication on rental?
Replies: 11
Views: 684

Re: Does anyone not take depreication on rental?

So it tough to "beat the man". Thanks for the link. Looks like I would be a fool then to not take the yearly depreciation. The reason I wondered was because the plan is to sell the condo to my daughter (we are now reluctant landlords - long story) and see wants to buy it. But for our tax s...
by Cody
Tue Feb 25, 2014 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Does anyone not take depreication on rental?
Replies: 11
Views: 684

Does anyone not take depreication on rental?

I could be all wrong here so lets see. I have a rental for which I take the various deductions (repairs, mortgage interest etc). But I have also taken the standard depreciation yearly as well. Here's where I need clarification. Lets say I do that for ten years and my cost bases was originally $100,0...
by Cody
Tue Feb 25, 2014 10:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Does anyone not take depreication on rental?
Replies: 11
Views: 684

Re: best tips for passwords?

Could someone clarify this idea about bill pay? If I have say Comcast linked to Wellsfargo via bill pay and someone hacks Comcast then that leads to Wellsfargo being hacked am I compromised? Thanks - really asking even if I have a secure password with Wellsfargo but use bill pay I'm I more exposed t...
by Cody
Wed Feb 19, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 10226

Re: What to do when your in-laws run out of money?

Ah! The fam! As one who knows from "practice" it may even be relatively easy to help out that first time. But what about the second and third and ...... It becomes ever more difficult for many people to draw a line and stay behind it. Families can raise havoc with finances and relationship...
by Cody
Thu Feb 13, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do when your in-laws run out of money?
Replies: 22
Views: 3568

Re: Retired folks yearly, quarterly or monthly withdrawal?

Thanks all - this helps me to get a handle on this next phase. Ken - missed you at BHEast coffee. But then Texas weather has to be better than what we've had. Does any one know if Ally can take out Minnesota State Income Tax. If they can't we'll check with the state website. We are not in RMD but ra...
by Cody
Thu Jan 30, 2014 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired folks yearly, quarterly or monthly withdrawal?
Replies: 11
Views: 1584

Re: Retired folks yearly, quarterly or monthly withdrawal?

It is my understanding that I can select a percentage of Federal tax withholding. I can see why it might, in some cases, make sense to wait until later in the year when you understand your tax situation better. However, I intend to submit a quarterly (I think) tax estimate for the State of Minnesota...
by Cody
Thu Jan 30, 2014 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired folks yearly, quarterly or monthly withdrawal?
Replies: 11
Views: 1584
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