Bogleheads.org

Do I also need to to fill out the Capital Loss Carryover form for California state?

Hi,

1. If I have $60,000 in Carryovers, do I have to use all $3000 in 2012 if I want to use them or can I use a lesser amount to offset less income?

2. Can I save them and use them next year if I choose to?

Thank you.

Thanks for the thoughtful replies.

Most of the outcomes of similar past experiences seem to be fairly unfavorable, but maybe this time it's different?

Thanks for the reply.

I read the wiki on that period.

Did you find many similarities to that period and what is going on now in the US?

Hi Bogleheads: Are there any examples in history that can help guide us in the current financial climate? - No political opinion, I am looking to find global historical examples of what has happened when a government has intervened with stimulus after a near collapse and what the eventual consequenc...

justus wrote:My sweet spot "choice" has been the T-series Thinkpad 14" and MacBook Pro 13". I find the popular 15.6" laptops are far too bulky and awkward to transport easily.

I would like a PC, what T-series model would you guys recommend?

There are several costs that different in Florida, but savings depends on where you live today. I am moving to Florida from Virginia. The state income tax is a huge savings. Property taxes are significantly less. I am not on the coast so I found homeowners insurance to be equal or slightly less the...

Thank you all for sharing! Very insightful and humorous

Has anyone calculated their savings of moving to a No State Income Tax state like Florida? *Moving from Ohio - Marginal State Tax ~4.1%, Sales Tax 5.5% Are there any other savings to be had by retiring in Florida? Homestead exemption save much $? Anything else? Thank you for sharing your experience!...

Example. switching from Cable to Netflix.

Have you found any other creative ways to reduce monthly spending due to improved technology or otherwise?

Thank you.

- Fatty

Mariano Rivera throws a cutter.

James R. Meynard, executive director of the Georgia Firefighters' Pension Fund, pulled $46 million out of Artio in August and transferred the money to a global equity-index fund at State Street Global Advisers, severing a seven-year relationship. "They weren't picking the right companies,"...

I purchased a Lenovo Thinkpad in August (T-430) and am pleased with it. It is very sturdy, has easy access to hard drives (there are 2 in in it, a msata running the OS and a regular spinning hd for storage. I bought the msata afterwards and installed it myself), battery, RAM, etc. They are designed...

Could be for finding good consumer deals, health, travel, personal banking, hobbies, etc.

Anything that you find useful.

Thanks.

-Fatty

Thank you all very much for sharing your experience!

It is very helpful

- Fatty

14 years ago, as I was entering retirement, I assumed 3% inflation for planning purposes. I found, however, in the years since, that our personal inflation or "consumption inflation" (a good name) was less. I was, and am surprised, that with the same basic quality of living level, that ou...

I purchased a Lenovo Thinkpad in August (T-430) and am pleased with it. It is very sturdy, has easy access to hard drives (there are 2 in in it, a msata running the OS and a regular spinning hd for storage. I bought the msata afterwards and installed it myself), battery, RAM, etc. They are designed...

Hi Bogleheads, I have a Retirement Planning Model and know that I cannot rely on the Fed's CPI number as it is "managed" if not "manipulated" to meet their reporting needs. We know that they change whats in it and how its calculated when "needed". 1. So, what resource c...

Thank you all for sharing your experience and insights in this Medicare decision-making process!

I did not know Kaiser Permanente was in Ohio - thank you for sharing that!

Thank you, Paul.

Family travels minimally to visit with family out of state.

Family may likely move to Florida in the next 2-5 years.

Thank you all for sharing your experience on Medicare Advantage vs. Supplemental insurance policy.

- Fatty

Use would be day to day internet and word processing, spreadsheet, etc.

Nothing fancy, just a solid portable machine.

14" and 4-5 lbs seems to be reasonable, huh?

Hail Bogleheads, Family member turns 65 this year and is researching Medicare options. He lives in Ohio now and may move to Florida in next 2-5 years. The two that look to make sense are: 1) Advantage plan ($0 - Aetna was recommended provider), or 2) Supplemental insurance ($155-185 additional per m...

Hail Bogleheads,

What is the sweet spot between portability, performance, and price right now?

This would be toted around day to day so I'd like it portable.

Thanks for any suggestions.

1312.11

-Fatty

Thank you!

-Fatty

50% Domestic small cap value 25% developed international small cap value 25% emerging market small cap/value Why? We have 80+ years domestically, 40+ years developed international, and 20+ years emerging markets data that say the best risk adjusted returns lie here. They are statistically significa...

Do you mind if I modify your example? That will give you a good idea of what I think. Thank you for the sharing and participation! Here is an example -> Please criticize as much as possible! Total US Market ------------- 18.2% Total Int'l Market ------------ 10.9% US Small Value---------------- 9.1...

FinanceGeek wrote:50/50 equities/fixed income (in line with sleeping well at night)
Within equity: 50/50 US/intl (in line with an approximate US/world equity weighting)
Within fixed income: 50/50 nominal/IPS (in line with my gut feel on future inflation)

Total Markets or Slice & Dice?

I am researching optimal Asset Allocation models and am curious as to what you all are doing in this area. 1. What is your current Asset Allocation Policy (Model)? 2. What is your rationale for it? Thank you for the sharing and participation! Here is an example -> Please criticize as much as possibl...

Thank you for the thoughtful responses! I will pass along the information.

Any other experiences in this regard are very much appreciated

Problem: Buying a home in Florida for retirement and selling one in Ohio.

1. How do you qualify for primary residence mortgage financing on the new home?

2. How do you qualify for a Homestead exemption if you still own another home?

Thank you.

Hi pk,

The decision is to move to 75/25 due to valuations of TIPS.

Any ideas on asset classes to fill out portfolio in tax-deferred accounts given the info provided?

Current portfolio: 50/50 : stock/bond Current Bond portion of portfolio is 50/50 : IT Corp / TIPS funds Current Stock portion of portfolio --> 50% Total US / 30% Total Int'l / 10% US SCV / 10% US REIT After conversations with Vanguard CFP and considering Graham's AA decision model based on asset val...

Thank you for the clarification. TT must be over-selling with their questions.

Per the TurboTax website: they ask if you have sold stocks, bonds, mutual funds, or options. If answer is yes, they direct you to Premier version of software ($9.99 for Flagship) instead of Deluxe versions (FREE for Flagship) Anyone with experience here to help out? I assumed that Deluxe covered all...

1. Does the Flagship TurboTax deal work for a married couple filing seperately?

2. Does the Deluxe Federal and State TurboTax effectively cover all investment and deduction items (ie. is it missing anything)?

Thank you Penn Stater,

1. Does Fidelity have any California Muni Bond Fund that would be appropriate here in the taxable account?

2. Is the Spartan Total Int'l Stock Fund more or less tax-efficient than the Spartan US Total Stock Fund ?

Goal is to grow portfolio for inheritance to children.

Income is from a disablility policy that is not taxed and lasts to age 65 and then some of the portfolio may be needed to supplement Social Security and the Annuity income streams.

Emergency funds: Three to six months of expenses Debt: none Tax Filing Status: Single Tax Rate: 0% Federal, 0% State State of Residence: California Age: 61 Desired Asset allocation: 75% stocks / 25% bonds Desired International allocation: 30% of stocks Current Portfolio: A long list of expensive fun...

Thank you for your replies.

I have updated his tax situation, which is mostly income from a private disability insurance policy.

I am trying to understand how to place funds in a way that will be most tax-efficient given that the money is mostly in a taxable account.

Thank you for the help!

Thanks nisprius,

What about fund location? Since the majority of the portfolio is a taxable account.

Hello friends, My friend needs some help. He has a portfolio that is all over the place and has capital losses so selling the current funds and replacing them is not an issue. The portfolio is with Fidelity. Goal: Growth - 75% stock / 20% bond / 5% cash (roughly) State: California Most income is fro...

1302.28

jpsfranks,

Do you have a link to the Portege model that you'd recommend?

Thank you.

Thanks mid, will do.

I did some initial exploration in that area of South Florida as well.

Why did you narrow your search to that area and what submarkets have you found desirable (if you don't mind sharing generally).

Thanks again to all.

Thanks for all the great replies.

Enjoy Siesta Key and Downtown Sarasota, so something with a convenient drive to either of those areas would be nice.

Thanks for the replies. imagardener - what areas of Sarasota are most attractive as far as liveability. We have looked at south Sarasota and it looks great. Any particular areas to further research? Also, we can be patient but are willing to buy if right deal comes along. Looking for 3/2 simple sing...

I am interested in finding more information on buying a home in this area. I have been getting some information from a realtor that does a very good job, but the pitch is always "buy now at this price" regardless of market conditions. Are there any other resources available to find shadow ...

I don't understand how looking at equity risk premiums are relevant? Who invests that way? I do! Per my current Investment Policy Statement, my equity allocation is as follows: 8 x (EP10 - 5 year TIPS yield) up to a maximum of 75 percent. I am optimistic that this approach will deliver risk-adjuste...