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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: 1067

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: 1067

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: 2009

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: 2173

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: 707

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: 1727

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: 1727

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: 1727

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: 1485

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: 1485

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: 1727

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: 1727

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: 1727

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: 1727

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: 2874

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: 5703

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: 2654

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: 2654

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: 731

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: 731

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: 2654

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: 2654

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: 3798

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: 13073

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: 5637

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: 802

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: 802

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: 802

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: 900

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: 5921

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: 900

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: 900

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: 4486

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: 1208

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: 9812

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: 3990

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: 2431

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: 2452

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: 8163

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: 2452

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: 2452

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: 2452

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 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to sell daughter our rental property
Replies: 20
Views: 2452

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 5:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Introduction and my situation
Replies: 16
Views: 1735

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 8:12 am
 
Forum: Investing - Theory, News & General
Topic: why do investors keep buying actively managed funds?
Replies: 104
Views: 7630

Re: Dave Ramsey recommends index fund

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

Cody
by Cody
Thu May 15, 2014 8:06 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey recommends index fund
Replies: 26
Views: 3992

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 9:38 am
 
Forum: Personal Finance (Not Investing)
Topic: RETIRING May 31! Any advice .....?
Replies: 87
Views: 8985

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 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a bit surprised by Vanguard recommendations
Replies: 11
Views: 2109

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 5:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a bit surprised by Vanguard recommendations
Replies: 11
Views: 2109

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 4:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: I'm a bit surprised by Vanguard recommendations
Replies: 11
Views: 2109
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