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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: 1468

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: 1468

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: 55
Views: 5164

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: 1906

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: 1323

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: 200

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: 663

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: 663

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: 663

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: 8393

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: 3460

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: 1328

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: 1328

Retired folks yearly, quarterly or monthly withdrawal?

I am taking my first IRA withdraw in February of this year. I called Ally to ask if there was more paper work to use monthly withdrawals versus other time periods. The customer service person said I will only get one tax form only (not one for each withdrawal) at the end of the year no matter which ...
by Cody
Thu Jan 30, 2014 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retired folks yearly, quarterly or monthly withdrawal?
Replies: 11
Views: 1328

Re: Is Nisipruis still correct on his 2009 statement?

Both markets and inflation can be cruel, and they don't care about the goals you set or your timeframe, so better to have a good plan, don't take on more risk than you need to, but most of all be flexible. Riceman . I'm finding myself a believer in just that Nis or anyone - I actually own Otar's My...
by Cody
Sun Dec 15, 2013 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Nisipruis still correct on his 2009 statement?
Replies: 62
Views: 4410

Is Nisipruis still correct on his 2009 statement?

by nisiprius » Sun Mar 01, 2009 7:51 pm You shouldn't invest money in the stock market that you will need in less than twenty years. If you examine the statements of serious writers who are writing about "stocks for the long run," you will see that the context is twenty years, thirty year...
by Cody
Sat Dec 14, 2013 11:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Is Nisipruis still correct on his 2009 statement?
Replies: 62
Views: 4410

Transfer from IRA at Vanguard to Ally

In a chat with a customer service rep at Ally I was attempting to transfer IRA money to an existing IRA money market fund at Ally. I do not want this to be a taxable event, however I was told that there I times when this is a taxable event (consult at tax specialist) If I do it right, fill out the t...
by Cody
Mon Nov 04, 2013 11:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer from IRA at Vanguard to Ally
Replies: 12
Views: 1056

Tracking down name of previous house owner

My daughter would like to ask this question of a former owner of her newly purchased house (not the last owner but the one before that): Does the drain tile and sub pump system run through out the entire basement or just the addition? How could she go about finding out? PS. The building inspector (a...
by Cody
Sun Jun 30, 2013 11:18 am
 
Forum: Personal Consumer Issues
Topic: Tracking down name of previous house owner
Replies: 5
Views: 721

Re: Need opinions about my broker's strategy

Will it be difficult for you to "drop" the broker? We found it difficult to tell them (advisors) goodbye. Very hard. He will put forth a barrage of reasons why you should stay. Making it more difficult. Our stategy was to walk in, say we are through, listened a bit to his "logic"...
by Cody
Thu May 23, 2013 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Need opinions about my broker's strategy
Replies: 45
Views: 2352

Clarifying the term "downside risk"

I need some clarification of the term "downside risk".

How is it defined? What is the current thinking, in general, about how to achieve it?

Thanks,
Cody
by Cody
Mon May 13, 2013 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Clarifying the term "downside risk"
Replies: 4
Views: 267

Re: Any changes to "All About Asset Allocation"?

Thanks much!

Do you see Vanguard's Total bond fund as close enough to the iShares bond fund? They follow a different indices.

Thanks,
Cody
by Cody
Tue May 07, 2013 8:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Any changes to "All About Asset Allocation"?
Replies: 13
Views: 1541

Re: Any changes to "All About Asset Allocation"?

I have PMed Rick. If he responds I'll let you know.
Cody
by Cody
Mon May 06, 2013 10:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Any changes to "All About Asset Allocation"?
Replies: 13
Views: 1541

Any changes to "All About Asset Allocation"?

I have a 2006 version of this book and was wondering about three things. Did the 2010 version change the aa for a "early retired" person for the 2006 version? I'm looking at "basic" only. And is Vanguard Total Bond market an adequate substitue for the iShares fund (they have diff...
by Cody
Mon May 06, 2013 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Any changes to "All About Asset Allocation"?
Replies: 13
Views: 1541

Re: LadyGeek -- the next 10K poster!

Thanks much from the Noise in the Attic guy! Your posts were so helpful. They helped us stay focussed.

Only God knew the noise came from my subwoofer. You were only a step behind him (her).

Thanks,
Cody
by Cody
Sun May 05, 2013 8:29 am
 
Forum: Local Chapters and Bogleheads Community
Topic: LadyGeek -- the next 10K poster!
Replies: 27
Views: 2466

Re: Advice on rental unit help please

This is why I post here from time to time. People take time to walk me through things. I can see that I need to look at this situation more holistically than I was. And that maybe the best way to help is to help in different ways than putting my daughter on the morgage title. She has come so far wit...
by Cody
Mon Apr 22, 2013 9:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on rental unit help please
Replies: 32
Views: 1798

Re: is engine braking a good idea?

Engine braking, especially large vehicles, is an annoying activity. It creates huge amounts of noise pollution. If you do it near housing it ramps up the noise level immensely.

Please be aware of "where" you are if you engine brake.

Thanks,
Cody
by Cody
Sun Apr 21, 2013 9:53 am
 
Forum: Personal Consumer Issues
Topic: is engine braking a good idea?
Replies: 41
Views: 3066

Re: Advice on rental unit help please

From my investigative work on refi - I can't. So far I get the line "we do not refi rental property". Has anyone had luck there? Thanks for the advice on fair market value - we are good there. And thanks for the advice on ways to pass on the property in case of our deaths. I'll check that ...
by Cody
Sun Apr 21, 2013 9:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on rental unit help please
Replies: 32
Views: 1798

Re: Advice on rental unit help please

I see why you are confused - perhaps I am as well. If, and that's a big if, we could simply have her buy the property outright as originally planned that would be option 1. (but she does not qualify do to some finanancial choices made by her husband (and her). I suppose that means she would co-own w...
by Cody
Sat Apr 20, 2013 11:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on rental unit help please
Replies: 32
Views: 1798

Advice on rental unit help please

I currently own a condo that I rent to my daughter and depreciate it at tax time and take deductions for expenses. Long story short is we had hoped she and her husband would step in an buy the condo and we would be out of the business. But fate said otherwise, they are now divorced. So plans changed...
by Cody
Sat Apr 20, 2013 8:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Advice on rental unit help please
Replies: 32
Views: 1798

Re: "Bond Market Bubble?"

A diversified portfolio isn't going to have 100% winners in all corners all the time. If it does, then it's not diversified as they can all fall in value at once. Sometimes you have to accept some risks to offset against others. I put that one in my "little book" of good quotes. Thanks, C...
by Cody
Sat Apr 13, 2013 9:28 am
 
Forum: Investing - Theory, News & General
Topic: "Bond Market Bubble?"
Replies: 52
Views: 3933

Re: Bond portfolio review

Livesoft - could you clarify breifly why you hold each (and all) of your bond funds please? Don't need a detailed explanation.

Thanks,
Cody
by Cody
Sat Apr 13, 2013 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond portfolio review
Replies: 6
Views: 516

Re: Not reinvesting dividends from FTSE

Oh - an one more question on that. Capital gaines I assume come from an increase in the NAV for a given taxable fund. And if left for one year become long term cap gaines and taxed at the 15% (for 25% tax bracket) or whatever your tax bracket tells you the taxes are on them. But what tax status do d...
by Cody
Tue Mar 26, 2013 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: Not reinvesting dividends from FTSE
Replies: 7
Views: 506

Re: Not reinvesting dividends from FTSE

Thanks much!

And thanks for the heads up on having earned income for Roths. I do have some, but it is limited to about $4000 per year. So I'll wait until the end the year or even into April of 2014 to buy the Roth to that amount.

Again thanks,
Cody
by Cody
Tue Mar 26, 2013 8:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Not reinvesting dividends from FTSE
Replies: 7
Views: 506

Not reinvesting dividends from FTSE

Are there any tax implications for not reinvesting dividends from FTSE (in taxable) and just using the money to purchase Roths? It is not showing up as a short term cap gain.

Thanks,
Cody
by Cody
Sun Mar 24, 2013 11:10 am
 
Forum: Investing - Help with Personal Investments
Topic: Not reinvesting dividends from FTSE
Replies: 7
Views: 506

How to use M*?

I would like to run my portfolio through Morningstar xray. Is the best way to do that to entire each fund individually for each account. By this I mean I have say TSM in taxable (with XXX shares at $$$ share price) and TSM in Tax deferred (with XXX shares at $$$ share price) - different price and nu...
by Cody
Wed Mar 20, 2013 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: How to use M*?
Replies: 1
Views: 215

Re: "Oblivious Investor" reaches 10,000 subscribers

I can't tell you all how much I appreciate Mike at "O I". He has been willing to go that extra mile to help me out. I join the other 9,999 subscribers with a great "congratulations." And thanks!

Cody
by Cody
Fri Jan 11, 2013 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: "Oblivious Investor" reaches 10,000 subscribers
Replies: 22
Views: 3365

2011 tax refund

Is a 2011 federal and state tax refund considered ordinary income for 2012?

Thanks,
Cody
by Cody
Mon Oct 15, 2012 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: 2011 tax refund
Replies: 13
Views: 853

Re: Congrats Mike Piper of "Oblivious Investor"!

In my option OI is definitely among the best reads and Mikes is one of the good guys!

Cody
by Cody
Mon Sep 10, 2012 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Congrats Mike Piper of "Oblivious Investor"!
Replies: 35
Views: 3176

Re: Asking retires how they save for autos

Sydney could you explain that in more detail for me?

Thanks,
Cdoy
by Cody
Mon Sep 03, 2012 9:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Asking retires how they save for autos
Replies: 20
Views: 1688

Re: Asking retires how they save for autos

So both of you simply consider your cash as a vehicle to fund large and very large purchases (excluding house)? And I assume after tax money for those larger purchases.

Cody
by Cody
Mon Sep 03, 2012 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Asking retires how they save for autos
Replies: 20
Views: 1688

Asking retires how they save for autos

I have a rather funny question about funding our "new car" saving account. We are both now leaving the work force but have always saved $XXX per month for cars during our working years. Well now we are moving into the "spend down" phase. For those off you who have gone through th...
by Cody
Mon Sep 03, 2012 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Asking retires how they save for autos
Replies: 20
Views: 1688

Re: Need help on spending down ideas (sequencing)

Thanks to Peter and Livesoft for their input. It is great to get two of the people I highly respect to help me see things more clearly. Other comments are certainly helpful a well. I ran the Orp calulator and need a bit of help understanding my results. Suppose Orp determined that I had a $60,000 av...
by Cody
Tue Aug 28, 2012 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help on spending down ideas (sequencing)
Replies: 13
Views: 1336

Re: Need help on spending down ideas (sequencing)

Lots to consider isn't there. I have roughly 50% in taxable, 30% in taxable and 20% in Roths (no tax), So I do have some wiggle room on the tax thing (to keep it in the 15% tax bracket. I have looked at Buckets of Money (read Ray's first and second book). I consider that somewhat in my thinking. 25%...
by Cody
Mon Aug 27, 2012 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help on spending down ideas (sequencing)
Replies: 13
Views: 1336

Re: Need help on spending down ideas (sequencing)

Good advice. Thanks

Others?

Best,
cody
by Cody
Mon Aug 27, 2012 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help on spending down ideas (sequencing)
Replies: 13
Views: 1336

Need help on spending down ideas (sequencing)

One of our goals in retirement is to postpone my Social Security as long as possible. I'm 70 in 7 years. To do so we need to spend down some of our retirement portfolio. One goal is stay in the 15% tax bracket. Another is maintain a 50/50 AA. We have established an income goal for the next 7 years b...
by Cody
Mon Aug 27, 2012 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Need help on spending down ideas (sequencing)
Replies: 13
Views: 1336

Re: Financial consultant really bothered me

You are all so helpful. And I appreciate that greatly. Ok then, how do I actually go about an inquiry into fixed annuities? I started with Vanguard and the fellow there was greatly different in his approach to helping me. Knowledgeable and not pushy at all. I have to return his call Monday. But ther...
by Cody
Sat Aug 25, 2012 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial consultant really bothered me
Replies: 34
Views: 3839

Re: Financial consultant really bothered me

My fault - but who oversees financial matters? Thanks, Cody SEC - Securities and Exchange Commission then you have the newly established Consumer Financial Protection Bureau - created as mandated by the Dodd-Frank legislation Federal Reserve Board - also has a hand in regulating financial instituti...
by Cody
Tue Aug 21, 2012 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial consultant really bothered me
Replies: 34
Views: 3839

Re: Financial consultant really bothered me

My fault - but who oversees financial matters?

Thanks,
Cody
by Cody
Tue Aug 21, 2012 8:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial consultant really bothered me
Replies: 34
Views: 3839

Financial consultant really bothered me

One of the reasons I became a DIYer is because of how I felt after conversations. I thought I was over it but I have been inquiring into immediate annuities to see if that could help us smooth out our income stream. So I went online to see if I could get several different "offers". However...
by Cody
Tue Aug 21, 2012 8:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Financial consultant really bothered me
Replies: 34
Views: 3839
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