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Reducing picture file size in kb

Help! - I am trying to reduce file size of a few pictures from large kilobytes size to less than 12 kb. I tried the solutions suggested by goggled answers, but they just reduce the dimensions of the picture, not the kb. Current file formats are jpeg, tiff, etc.
by Copernicus
Sat Jul 26, 2014 2:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reducing picture file size in kb
Replies: 14
Views: 636

Re: Have a million to transfer, thinking of doing 100% stock

Trevor,

Have you considered any tax impact on inheritance? Or, is it total inheritance minus taxes=almost a mil?
by Copernicus
Sat Jul 26, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Have a million to transfer, thinking of doing 100% stocks
Replies: 38
Views: 3875

Other forums of same high Quality?

I am always thrilled to visit BH forum as it is full of engaging posts with insightful conversations, conducted in very helpful yet polite manner! I am interested in similar forums for other kinds of topics. Is there a way to find top-rated forums on various interests? For example, I am interested i...
by Copernicus
Sun Jul 13, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Other forums of same high Quality?
Replies: 6
Views: 1591

Re: Have you quit your job because of your boss?

squirm, It is great that you are not viewing your situation as a unique problem, since people routinely face these kind of situations. Solutions are as varied as the people facing them. It is commendable that you are reaching out to others to find a solution. - Nothing is more valuable than good hea...
by Copernicus
Sun Jul 13, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you quit your job because of your boss?
Replies: 66
Views: 7451

Re: Portfolio Review and Other Investment Questions

bhramer, Looks like you and spouse are young, have good careers, living within your means, and saving substantially. Congratulations! If you both are in good health, have at least 6 months of expenses as emergency funds - If the stock market takes a dive, you probably can wait it out to recover. You...
by Copernicus
Mon Jun 16, 2014 8:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review and Other Investment Questions
Replies: 13
Views: 1068

AMT Planning Strategies

http://www.kitces.com/blog/evaluating-exposure-to-the-alternative-minimum-tax-and-strategies-to-reduce-the-amt-bite/?utm_source=Nerd’s+Eye+View+%7C+Kitces.com&utm_campaign=e544dbe0cf-NEV_MAILCHIMP_LIST&utm_medium=email&utm_term=0_4c81298299-e544dbe0cf-57004849#more-3351 I wonder whether ...
by Copernicus
Wed May 21, 2014 8:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: AMT Planning Strategies
Replies: 13
Views: 1368

When to stop tax-deferred savings?

I have saved maximum allowed in 401k accounts throughout our careers. I need to calculate whether it is better to pay taxes now and avoid large required minimum distributions after 70 years, or continue 401k contributions and pay taxes later on larger required minimum distributions. How to decide? I...
by Copernicus
Mon Feb 03, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: When to stop tax-deferred savings?
Replies: 12
Views: 1775

Re: Streamliner coming down the track. What to do?

Congratulations....., assuming you are excited to start a new phase in life after a productive, long-term employment. I have never heard of severance going into IRA as, if it is correctly called 'severance', is always regular income. I never had pension, but friends have always opted for lump sum so...
by Copernicus
Mon Feb 03, 2014 8:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Streamliner coming down the track. What to do?
Replies: 4
Views: 533

Re: The Bogleheads Investment Philosophy

I joined this forum in 2013. I have found the forum one of the top three great learning experiences! I have one comment to attempt to make it even more useful: Very few people are fortunate enough to learn the BH philosophy early enough in their lives. They may begin saving wisely and investing fool...
by Copernicus
Wed Jan 01, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: The Bogleheads Investment Philosophy
Replies: 7
Views: 604

Rebalancing spreadsheet

2014 will be my first year to consider rebalancing. I need a spreadsheet to trigger rebalancing when the balances change sufficiently relative to my original AA. I use Excel to track my investments. Instead of preparing my own new spreadsheet, I will appreciate if there is shared spreadsheet, or gui...
by Copernicus
Wed Jan 01, 2014 1:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing spreadsheet
Replies: 2
Views: 365

Just Donated!! - Who is Alex Frakt?

This is an amazing forum! Members are polite, but eager to help. Almost all posts present information that may take hours to dig out from the web! I just donated to support the site and I am so happy I remembered to do that! Hope all other visitors do too! BTW, the Paypal payment was sent to "A...
by Copernicus
Tue Dec 24, 2013 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Just Donated!! - Who is Alex Frakt?
Replies: 7
Views: 1396

Re: Executor of will -- dealing with investment portfolio

The law does not require an executor (also called a personal representative) to be a legal or financial expert, but it does require the highest degree of honesty, impartiality, and diligence. This is called a "fiduciary duty" -- the duty to act with scrupulous good faith and honesty on be...
by Copernicus
Tue Dec 24, 2013 1:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Executor of will -- dealing with investment portfolio
Replies: 119
Views: 3811

Re: Total Return vs. Yield ?

Ryan: Bonds and bond funds are very efficient. Higher yield nearly always means higher risk. It has been said: "More money has been lost searching for higher yield than has been lost at the point of a gun." It makes little difference if income is from yield/dividends or from capital gains...
by Copernicus
Mon Nov 04, 2013 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I use Interm-Term Tax Exempt as my only bond holding?
Replies: 11
Views: 1414

Re: Pull-ups and Push-ups

Anyone else out there who likes Bodyweight exercises? (PS--I get respect from the weight-lifters when I meet them--they like a guy in his 60s who can do 80 pull-ups in 30 minutes.) +1 Ditto ...for three decades by now, except I don't do bar pull-ups.! But I supplement those exercises with a simple ...
by Copernicus
Sat Nov 02, 2013 8:28 pm
 
Forum: Personal Consumer Issues
Topic: Pull-ups and Push-ups
Replies: 329
Views: 41031

Re: Tax-efficient ? fund placement

Calm Man, Thank you for the clarification. There is so much to learn on this board!
by Copernicus
Sat Nov 02, 2013 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient ? fund placement
Replies: 7
Views: 963

Re: Tax-efficient ? fund placement

International stock funds are more tax-efficient than US stock funds with an equal yield because of the foreign tax credit. However, in recent years, international stock yields have been significantly higher, and thus international stock funds have become less tax-efficient than US stock funds. I d...
by Copernicus
Fri Nov 01, 2013 2:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient ? fund placement
Replies: 7
Views: 963

Re: Good Fidelity fund focused on International Bonds

I plan to buy BNDX in my Schwab account when more money becomes available. The small spread does not bother me. On the other hand, for several small amounts invested in BNDX in Fidelity would mean a separate commission each time. That would be something to think about.
by Copernicus
Thu Oct 31, 2013 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Good Fidelity fund focused on International Bonds
Replies: 5
Views: 882

Re: Tax-efficient ? fund placement

Comments: 1. The yields in Yahoo Finance are probably wrong. 2. There is a difference in the way bond dividends are taxed (non-qualified) and equity fund dividends are taxed (a mix of qualified and non-qualified). 3. There are the foreign taxes paid by most international funds that one can take the...
by Copernicus
Thu Oct 31, 2013 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient ? fund placement
Replies: 7
Views: 963

Tax-efficient ? fund placement

I have read in the Wiki that,fixed income funds should go into tax-advantaged accounts and stocks into taxable account. International stocks would be more preferred in taxable account than US stocks. However, when I compare yields listed in Yahoo Finance for the following, it looks like the Internat...
by Copernicus
Thu Oct 31, 2013 3:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax-efficient ? fund placement
Replies: 7
Views: 963

Re: Dog can't walk on hardwood floors

retiredjg » Sun Oct 20, 2013 6:16 pm Sounds like you've solved your problem, but I thought I'd throw out one more idea. There are products that are made for show dogs that make their pads "grippier" so they are sure-footed in the show ring. I've never used any, but if you google something...
by Copernicus
Mon Oct 21, 2013 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Dog can't walk on hardwood floors
Replies: 22
Views: 3829

Re: Overlapping Holdings among VB, VBR and VTV

Doesn't a Morningstar portfolio X-ray do this? Actually, I am new to Morningstar site as well. I was thinking of how good alternatives these might be to each other in tax loss harvesting exercise. I was able to see the holdings list of each ETF, but I thought there might be some source stating that...
by Copernicus
Mon Oct 21, 2013 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overlapping Holdings among VB, VBR and VTV
Replies: 2
Views: 363

Overlapping Holdings among VB, VBR and VTV

New to Vanguard. Is information available on how much overlap is there among holdings of these ETF's or corresponding Vanguard funds? How can I get it?
by Copernicus
Sun Oct 20, 2013 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Overlapping Holdings among VB, VBR and VTV
Replies: 2
Views: 363

Re: Dog can't walk on hardwood floors

Im am the OP. Interesting, low-cost option:
Wife found inexpensive exercise/yoga mats made of rubber in Ross for less than $10 each. The dog does not have to walk on hardwood floors more than a couple feet, mats are easy to clean or hose down, easily portable, don't soil easily. Problem solved!
by Copernicus
Sun Oct 20, 2013 5:19 pm
 
Forum: Personal Consumer Issues
Topic: Dog can't walk on hardwood floors
Replies: 22
Views: 3829

Re: Talk me down

I am not being flippant or rude, but please make sure you are not putting decimal in the wrong place. Have someone else check your calculations. If these gains are correct, you would have to pick a new portfolio of different companies, based on today's market values and see if you can repeat the per...
by Copernicus
Fri Oct 11, 2013 5:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Talk me down
Replies: 77
Views: 5844

Re: career guidance, new to US, husband is radiology residen

Looks like you both can manage your expenses and live without your having to take a job. My comments are based on this assumption. Consider an undergraduate degree program that helps you earn a degree from a US institution. Do first two years in community college, which is usually inexpensive. Confi...
by Copernicus
Wed Oct 09, 2013 11:19 pm
 
Forum: Personal Consumer Issues
Topic: career guidance, new to US, husband is radiology resident
Replies: 23
Views: 3227

Re: Your opinion about diversifying a 100% muni-bond portfol

The state income tax deduction is huge in CA, NY, etc., but it's just too much credit risk to go above that, IMO. Help me understand - If the single state muni fund is reasonably diversified, does that not significantly reduce the risks? The risk will still be greater than a national muni fund. How...
by Copernicus
Mon Oct 07, 2013 3:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Your opinion about diversifying a 100% muni-bond portfolio?
Replies: 29
Views: 1700

Lump sum - fixed income options

I will be getting a lump sum this week, a portion will go into tax-advantaged and the rest in taxable account. I plan to maintain my original asset allocation for the total portfolio. State: California Taxes: High bracket because of lump sum Emergency funds have been set aside. All accounts in Schwa...
by Copernicus
Sun Oct 06, 2013 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lump sum - fixed income options
Replies: 0
Views: 253

Re: Music Career - More savvy approaches?

EyeYield, Thank you for a very insightful reply! We appreciate the interest and effort to write a detailed reply! My son probably is not able to connect with many people with real-life experience in the field. Therefore, your comments are very useful. He said that he has bought and read the two book...
by Copernicus
Fri Oct 04, 2013 11:31 pm
 
Forum: Personal Consumer Issues
Topic: Music Career - More savvy approaches?
Replies: 12
Views: 1309

Re: TIPS vs Municipal vs. GNMA vs. TBM for top tax bracket

Thank you for the suggestions! I will look those up!
by Copernicus
Fri Oct 04, 2013 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS vs Municipal vs. GNMA vs. TBM for top tax bracket
Replies: 15
Views: 1463

Re: TIPS vs Municipal vs. GNMA vs. TBM for top tax bracket

Investo: Assuming you have no room in your tax-advantaged accounts for bonds, in a 39.6% tax bracket you should almost certainly use tax-exempt bonds in your taxable account. A few comments: * It would be nice to have safe state and Chicago municipal bonds, but bonds are primarily for safety and I ...
by Copernicus
Fri Oct 04, 2013 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS vs Municipal vs. GNMA vs. TBM for top tax bracket
Replies: 15
Views: 1463

Re: Music Career - More savvy approaches?

"Working hard to make a career in music" That's a pretty broad statement as there are many careers to be had in the music industry. If I knew what his specific goals were and what skill sets he already possesses, I might be able to offer some advice. Thank you! Your effort to give guidanc...
by Copernicus
Wed Oct 02, 2013 11:27 pm
 
Forum: Personal Consumer Issues
Topic: Music Career - More savvy approaches?
Replies: 12
Views: 1309

Re: How to unwind a profitable position and rebalance?

[quote="grabiner"]Wiki article link: Paying a tax cost to switch funds Wiki article link: Placing cash needs in a tax-advantaged account Thank you! Wiki is an amazing source! However, I read these posts and find out another important article from the Wiki that I did not think of looking up...
by Copernicus
Tue Oct 01, 2013 11:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to unwind a profitable position and rebalance?
Replies: 14
Views: 1258

Re: Music Career - More savvy approaches?

Scouter:

Thank you for the reply. I am accumulating feedback from different sources. It is very useful to know the views of the people in the music business.

Regards!
by Copernicus
Tue Oct 01, 2013 5:44 pm
 
Forum: Personal Consumer Issues
Topic: Music Career - More savvy approaches?
Replies: 12
Views: 1309

Music Career - More savvy approaches?

I am at a loss about what advice to give my son, who is working hard to make a career in music. I think there must be more savvy ways to deal with challenges of making a career in music. Based on your own experiences or new ideas, I would welcome any advice you might have for us (parents) of a music...
by Copernicus
Mon Sep 30, 2013 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Music Career - More savvy approaches?
Replies: 12
Views: 1309

Re: Dog has difficulty [with medical condition]

I am the OP. Thank you all for the helpful, encouraging, and realistic comments. When writing the OP, I had some hope that, who knows, there might be some technique or product that alleviates the problem. This is our first dog. We do not have friends and relatives who have had to make such observati...
by Copernicus
Sun Sep 29, 2013 1:24 pm
 
Forum: Personal Consumer Issues
Topic: Dog has difficulty [with medical condition]
Replies: 35
Views: 1967

Dog has difficulty [with medical condition]

Background: I have an 15-year old mutt, rescued, with short legs like a dachshund. He has arthritis all over and especially in legs. He walks slowly. He limps only just before and during rainstorms. All this is manageable with proper patience and assistance. Problem: Lately, he finds it hard to lift...
by Copernicus
Sat Sep 28, 2013 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Dog has difficulty [with medical condition]
Replies: 35
Views: 1967

Re: Economical car buy

I would gift her an additional $7-10K, if you can afford to do so, and buy her a car that should last her another decade. I concur. Considering her needs, safety rating of the car may be more important than gas mileage. It seems better to look for her safety than making the most economical decision.
by Copernicus
Fri Sep 27, 2013 11:23 pm
 
Forum: Personal Consumer Issues
Topic: Economical car buy
Replies: 8
Views: 1002

Re: Dog can't walk on hardwood floors

To everyone, Thank you for your responses! The suggestion of putting rugs/ runners for him to walk on makes complete sense. Its doable since I have a small, 2000 sq ft home! The idea of the nail rings and sticky pads are also very good. I did not know of those products. I will save that info. About ...
by Copernicus
Fri Sep 27, 2013 11:11 pm
 
Forum: Personal Consumer Issues
Topic: Dog can't walk on hardwood floors
Replies: 22
Views: 3829

Dog can't walk on hardwood floors

I have an 15-year old mutt, rescued, with short legs like a dachshund. We changed over from carpets to hardwood floors. He slips on the floor, and can not walk when he is tired or when arthritis flares up. Even then, he does fine on the deck or backyard. Vet says this happens on hardwood floors. Tri...
by Copernicus
Fri Sep 27, 2013 8:06 pm
 
Forum: Personal Consumer Issues
Topic: Dog can't walk on hardwood floors
Replies: 22
Views: 3829

Re: career in music?

I've worked in the music business all my life, in one form or another. The last twenty years I've been a music editor and part time composer in the tv and film industry. Since your niece expresses an interest in film music, allow me to speak to that and quote Hans Zimmer from another forum I'm a me...
by Copernicus
Fri Sep 27, 2013 3:13 pm
 
Forum: Personal Consumer Issues
Topic: career in music?
Replies: 45
Views: 2787

Re: Tax (2013) planning

Sidney wrote:I would take a look at this

viewtopic.php?f=2&t=123579&newpost=1810434

Trying to emulate the various interactions of tax rules with a spreadsheet is risky.


Thank you all!
I will check tax spftware. Thank you especially the link to Tax-Caster!
by Copernicus
Wed Sep 25, 2013 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax (2013) planning
Replies: 5
Views: 926

Tax (2013) planning

- I expect to receive lump sum amount deferred compensation (income) in 2013 and 2014 that will incur significant tax burden and AMT. Lump sum can not be postponed. - I need to determine potential impact of capital gains on taxes. I do not have tax losses to harvest at least at this time. - I constr...
by Copernicus
Tue Sep 24, 2013 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax (2013) planning
Replies: 5
Views: 926

Fundamental Index ETF

http://www.indexuniverse.com/sections/features/19539-schwab-fundamental-etfs-launching.html?utm_source=newsletter&utm_medium=email&utm_campaign=IndustryNews Schwab launched new ETF's that seem costlier than basic index funds. Can these really be considered 'passive'? What are the benefits of...
by Copernicus
Wed Aug 21, 2013 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: Fundamental Index ETF
Replies: 12
Views: 1100

Re: Social Security Question

someone posted info on this recently. the info SS gives you is based on you fully working until that age-the 70 figure assumes you work right up to 70. if you are stopping at 62 but not taking to 70 the multiplier is 1.76. example 1000 at 62 1760 at 70 this is if your FRA is 66. I am confused! If S...
by Copernicus
Tue Jul 30, 2013 3:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security Question
Replies: 11
Views: 1495

Re: Math degrees

[quote="Tom_T"] My teenage son, who likes math, read the article and asked "what can you do with a math degree other than teach math?" I named a couple of things off the top of my head, but then drew a blank. I hope you recognize how lucky you are if your teenage son is aware of ...
by Copernicus
Mon Jul 15, 2013 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Math degrees
Replies: 70
Views: 5295

Term Life Insurance - Terminate/Allow to Lapse?

Retired male, wife working for another 5+ years. Sufficient savings to support family if I pass. Both bought State Farm 20-yr term life in 2002. Had read at that that the purpose of buying term life is to replace a few year's income if income earner dies, to help family transition; but not as an inv...
by Copernicus
Sun Jul 14, 2013 11:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance - Terminate/Allow to Lapse?
Replies: 7
Views: 690

Re: Audio Books on Investing, Retirement?

Thank you. I just finished listening to "A random walk down Wall Str" by Burton Malkiel!
by Copernicus
Fri Jun 28, 2013 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Audio Books on Investing, Retirement?
Replies: 2
Views: 391

Audio Books on Investing, Retirement?

I make the best of my transit time listening to audio books. Do you know of any good books in audio format?
by Copernicus
Thu Jun 27, 2013 12:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Audio Books on Investing, Retirement?
Replies: 2
Views: 391

Re: Asset Allocation

Thank you for the relevant link!
by Copernicus
Thu Jun 20, 2013 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation
Replies: 2
Views: 403

Re: Buy ETF based on index, or mutual fund based on same ind

Is there a calculator/tool to compare a fund and ETF or two ETF's with respect to ER, bid-ask spread etc. in one step (Instead of looking these details one at a time for each fund or ETF?)
by Copernicus
Wed Jun 19, 2013 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Buy ETF based on index, or mutual fund based on same index?
Replies: 17
Views: 960
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