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Re: Which generator do you have?

Ron wrote:Maybe you should just have stock in all the gen-set providers (sort of a "gen-fund" :mrgreen: ).
- Ron


Great idea! Going one step further, does anyone know of a Global Warming fund that places bets on companies that provde products and services in response to the new climate??
by Ozonewanderer
Mon Sep 15, 2014 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 8789

Re: Which generator do you have?

I just had my Generac standby generator's annual tune up, and I asked the service technician what he thought about Generac. He said they were "OK" but he preferred Kohler and GE.

Maybe I will sell my Generac stock...
by Ozonewanderer
Fri Sep 12, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 8789

Re: Which generator do you have?

I have Generac, whole house, natural gas generator up here in the Northeast. It has been very reliable. Everyone should buy Generac considering our global warming trend and continued haphazard, hazardous weather. I really believe that and the fact that I own Generac stock, which has been dropping ev...
by Ozonewanderer
Sat Sep 06, 2014 9:07 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 8789

Re: Which generator do you have?

I have been considering a back up 20 kw generator for the entire house for over five years now. Over the last five years, we have had perhaps 3-4 interruptions that I was aware of -10 minutes or less with the exception of one that lasted for around an hour. It really makes it difficult for me to ju...
by Ozonewanderer
Sat Sep 06, 2014 9:01 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 8789

Re: Fort Lauderdale area: need real estate advice

Check out Point of Americas as an option. You cannot get a better location in FLL. I owned there.
by Ozonewanderer
Sat Sep 06, 2014 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fort Lauderdale area: need real estate advice
Replies: 8
Views: 863

Re: Vanguard Lost $50k

I don't care how much money you have, I would not keep my money with a company who misplaced my $50,000. This should have been resolved - or they should have made you whole, considering how much money you have with them - in 24 hours.

Get the money first, then leave.
by Ozonewanderer
Sat Sep 06, 2014 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10818

Re: Inheritance through trust

I think the OP was asking about a beneficiary having their own discreation on what to do with the money with NO restrictions. In this situation I don't see how a court can't mandate that the money can't be used to pay off a creditor. Yes, as the OP, I was wondering if a non-specific trust could be ...
by Ozonewanderer
Wed Sep 18, 2013 10:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance through trust
Replies: 13
Views: 1009

Re: Inheritance through trust

...But can the trust be controlled by the beneficiary? The child could, for example, (i) be a trustee, (ii) have the power to remove and replace his/her co-trustee (provided the replacement trustee is not a close relative or subordinate employee, and (iii) have the power, both during lifetime (perh...
by Ozonewanderer
Wed Sep 18, 2013 12:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance through trust
Replies: 13
Views: 1009

Re: achieving total stock market index with Fidelity Spartan

The performance difference between S&P 500 and Total Market is not that large. If you have a long investment time frame (say, 15+ years) you might consider overweighting mid-cap and small-cap with the hopes of a better return. From http://www.cbsnews.com/8301-505123_162-37741008/john-c-bogle-on-...
by Ozonewanderer
Tue Sep 17, 2013 9:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: achieving total stock market index with Fidelity Spartan
Replies: 5
Views: 695

Re: Inheritance through trust

Correct me if I am wrong, but to protect assets from creditors, I believe a trust must be irrevocable and not controlled by the beneficiary. That way, the assets are not considered to be owned by the beneficiary can't be reached by creditors. If a trust were revocable by the beneficiary the courts ...
by Ozonewanderer
Tue Sep 17, 2013 9:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance through trust
Replies: 13
Views: 1009

Re: Inheritance through trust

As a supplement to my original inquiry, this is the posting that I saw: Almost all of our clients provide (in their Wills) for their children in separate trusts for their benefit rather than outright. If the children are otherwise capable, each child will control his/her trust. The purpose isn't to ...
by Ozonewanderer
Tue Sep 17, 2013 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance through trust
Replies: 13
Views: 1009

Inheritance through trust

There was a thread in this forum in which the concept of passing on an estate to children through a trust instead of outright to the kids was brought up. My interpretation of the idea was that I could have a trust created upon my death (or my spouse's, last to one live) and my will would give my mon...
by Ozonewanderer
Tue Sep 17, 2013 7:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Inheritance through trust
Replies: 13
Views: 1009

Re: Conversion to Roth In Retirement @ 25%

...I am in the process of setting up trusts for my children. I do worry about the tax implications. Presently, I will be a trustee for my children's trusts. Our attorney thinks we should set up trusts for ourselves. I cannot see letting anyone being the trustee now except us grown ups. I have had s...
by Ozonewanderer
Mon Sep 02, 2013 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Conversion to Roth In Retirement @ 25%
Replies: 55
Views: 4077

Re: Conversion to Roth In Retirement @ 25%

BL wrote:http://www.amazon.com has a 2012 Basic TurboTax for $4.19 and Deluxe for $16.01. They also have other brands.

Thanks for this tip! I got the Premier version for $23.15 including shipping and tax. I thought I needed the premier to cover buying/selling of stocks and mutual funds.
by Ozonewanderer
Mon Sep 02, 2013 2:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Conversion to Roth In Retirement @ 25%
Replies: 55
Views: 4077

Re: Conversion to Roth In Retirement @ 25%

ObliviousInvestor wrote:
livesoft wrote:I think one should do a TurboTax run.

Strongly agree.

When you all say "do a Turbo Tax run" are you recommending that one should purchase the Turbo Tax software or is there a free service that would suffice? thanks.
by Ozonewanderer
Sat Aug 31, 2013 11:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Conversion to Roth In Retirement @ 25%
Replies: 55
Views: 4077

Re: After retirement...Sphone? Tablet? Laptop? All?

Start with a Smartphone - one with a larger screen - and then see if you need anything else. My neighbor, who is an IT manager, said that after he got his smartphone he hardly uses his home computer at all. I have another retired friend who uses his smartphone as a hotspot for all of his internet co...
by Ozonewanderer
Sat Aug 24, 2013 7:47 pm
 
Forum: Personal Consumer Issues
Topic: After retirement...Sphone? Tablet? Laptop? All?
Replies: 27
Views: 1692

Re: Thinking of dropping life insurance policy

Drop it if you don't need it. Consider it a landmark time in your life and celebrate your financial "success." As I look back on all the permanent life insurance policies I had, I realize now that term would have been the best so that I could do what you can do, just walk away from it. You...
by Ozonewanderer
Thu Aug 15, 2013 12:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of dropping life insurance policy
Replies: 14
Views: 934

Re: Dr. Wade Pfau on the 4% Rule

To add more confusion to the rule, here is another one from Blackrock, CORI: http://www.blackrock.com/cori-retirement-income-planning?cmp=cori&chn=PPC&c=Google&kw=cori&utm_source=Google&utm_medium=cpc&utm_term=cori&utm_campaign=Exact_CoRI_Brand ps. In my case it suggests ...
by Ozonewanderer
Thu Aug 15, 2013 12:05 am
 
Forum: Investing - Theory, News & General
Topic: Dr. Wade Pfau on the 4% Rule
Replies: 124
Views: 10537

Re: [Sad news - Pat Larimore]

Taylor,
I am so sorry.
by Ozonewanderer
Thu Aug 01, 2013 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: [Sad news - Pat Larimore]
Replies: 225
Views: 16172

Re: [Do I need] Umbrella Insurance

I think umbrella insurance is extremely underrated. Its relatively cheap for what is provides (mover slips and falls in house-- you are better protected). The fact that umbrella insurance is so cheap, even for a million dollars in coverage, tells you that the probability of your ever needing is ext...
by Ozonewanderer
Thu Jun 27, 2013 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Do I need] Umbrella Insurance
Replies: 41
Views: 3038

Re: digital camera buying advice

For anyone still interested, here is the just announced 2nd generation SONY RX100 II:
http://reviews.cnet.com/digital-cameras ... 07990.html
by Ozonewanderer
Thu Jun 27, 2013 12:01 pm
 
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 3669

Re: digital camera buying advice

Sony RX100. Link to NYTimes review . +1. I have one and it is an excellent camera. The only problem with it is that it has so any features and functions and is so small that it can be difficult to use. I have missed some good photos because I was fiddling with the camera settings. And if you don't ...
by Ozonewanderer
Tue Jun 25, 2013 11:21 pm
 
Forum: Personal Consumer Issues
Topic: digital camera buying advice
Replies: 36
Views: 3669

Re: tire 3mm tread depth replacement?

just came back from getting the oil changed on the family flex. love the car. dealer said tread depth on two tires is 3mm and he recommends replacement. they have about fifty thousand miles on them. I looked at them and the wear bars are still not level with the tread. i am inclined to replace them...
by Ozonewanderer
Tue Jun 25, 2013 10:38 pm
 
Forum: Personal Consumer Issues
Topic: tire 3mm tread depth replacement?
Replies: 35
Views: 3174

Re: advice re fixed income

Thanks to all for the responses. It's more clear now, thanks to the feedback. Funny how I need to be reminded of simple concepts that seem to elude me when a little bit of fear takes hold. I like to say that two of the biggest obstacles to investing are Fear and Greed. It's great to have this forum...
by Ozonewanderer
Sun Jun 16, 2013 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: advice re fixed income
Replies: 7
Views: 798

Re: advice re fixed income

Nasrudin, One of the reasons to diversify is to hold assets that do NOT behave the same at the same time. If Bonds and stocks rose and fell at the same time, why hold both? Having one go down while the other goes up is a good thing because it provides a more stable ride. I am considering moving some...
by Ozonewanderer
Fri Jun 14, 2013 9:52 am
 
Forum: Investing - Help with Personal Investments
Topic: advice re fixed income
Replies: 7
Views: 798

Re: Safe Withdrawal Rate and Annuities

The “safe” withdrawal rate for retirement is usually calculated using simulations of historical data, a given time period (typically 30 years), asset allocation (probably 60/40), and past inflation to reveal where one’s investment portfolio has a low probability (say, 5%) of “failing”, i.e., running...
by Ozonewanderer
Sat Apr 20, 2013 12:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Safe Withdrawal Rate and Annuities
Replies: 10
Views: 872

Re: What you think of this advice

P.S. This is Ibbotson/Morningstar's set of model "glide paths," which both represent their own suggestions and also happen to reflect current industry practice--they have another chart showing what twenty or thirty real-world target-date retirement funds do, and they pretty well stay with...
by Ozonewanderer
Fri Apr 19, 2013 10:47 pm
 
Forum: Investing - Theory, News & General
Topic: What do you think of this advice [by financial advisor]
Replies: 45
Views: 4957

Re: Capital Loss Carryover: Use it or save it?

Archbishop,
Sounds like an intelligent, rational conclusion. Any differences between strategies seems likely to be minor.
by Ozonewanderer
Mon Apr 08, 2013 8:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryover: Use it or save it?
Replies: 32
Views: 1777

Re: Capital Loss Carryover: Use it or save it?

In the ideal world, anyone in the accumulation phase of investing should never have a significant capital gain on their tax form if they've been tax-loss harvesting correctly. You usually want to see that -$3,000 on your 1040 unless there are extenuating circumstances. In the retirement phase, that...
by Ozonewanderer
Mon Apr 08, 2013 9:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryover: Use it or save it?
Replies: 32
Views: 1777

Re: Capital Loss Carryover: Use it or save it?

I just think it is weird that the deduction for a capital loss is $3,000 now and was $3,000 at least 5 years ago. That figure should be $5,000 minimum. This seems related to my point that if I use up $10,000 of carryover capital loss to offset $10,000 of gains now, that the finacial benefit to me i...
by Ozonewanderer
Mon Apr 08, 2013 12:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryover: Use it or save it?
Replies: 32
Views: 1777

Re: Capital Loss Carryover: Use it or save it?

Thank you all for your thoughts. I had already decided that I want to take some money out of the market (not a large % of my portfolio). I am not trying to use my carryover losses for the heck of it, and I do have the option of selling some funds in a Roth IRA instead. I was trying to determine if t...
by Ozonewanderer
Sun Apr 07, 2013 9:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryover: Use it or save it?
Replies: 32
Views: 1777

Re: Capital Loss Carryover: Use it or save it?

What are you planning to rebalance into in your taxable account when you sell stocks? It's not clear what type of rebalancing you're trying to do. If you're selling stocks to buy bonds in taxable, that's likely to be tax inefficient over time. I am selling stocks to get back to my target AA. I'm a ...
by Ozonewanderer
Sun Apr 07, 2013 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryover: Use it or save it?
Replies: 32
Views: 1777

Re: Capital Loss Carryover: Use it or save it?

Ozone, How old are you? What makes you think that you won't be able to off-set those losses with gains in the future? Capital loss carryovers are extremely valuable. I also have six-digit carryover losses from when I tax-loss harvested in 2008, and I'm not to not show any capital gain on my Schedul...
by Ozonewanderer
Sat Apr 06, 2013 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryover: Use it or save it?
Replies: 32
Views: 1777

Re: Capital Loss Carryover: Use it or save it?

You might need to model your situation since it might depend on your specific assumptions. Leaving stocks in the Roth might grow faster than in taxable with loss carryover but on the other side, bonds is taxable will yield less than bonds in Roth . Almost all of my bonds are in tax deferred retirem...
by Ozonewanderer
Sat Apr 06, 2013 11:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryover: Use it or save it?
Replies: 32
Views: 1777

Re: Capital Loss Carryover: Can be used with LT or ST Gain?

I think I understand. So if I rephrase the question: so long as my total capital losses exceed my total gains, then it doesn't matter if my gain is long term or short term or both, correct?
by Ozonewanderer
Sat Apr 06, 2013 11:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryover: Can be used with LT or ST Gain?
Replies: 6
Views: 568

Capital Loss Carryover: Use it or save it?

I have a lot (six figures) of Capital Loss Carryover - both short term and long term. I will probably die before I could use it up in annual $3,000 deductions against my income. To rebalance to my AA I would like to sell some stock fund/ETF that have gains. I could sell some stock fund in my Roth IR...
by Ozonewanderer
Sat Apr 06, 2013 1:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryover: Use it or save it?
Replies: 32
Views: 1777

Capital Loss Carryover: Can be used with LT or ST Gain?

Is my understanding correct that ultimately Long Term capital loss carryover or Short Term capital loss carryover can be applied to offset either long term gain or short term gain? If so, does it matter whether I choose to sell a security with a long term gain or a short term gain? I was going to se...
by Ozonewanderer
Sat Apr 06, 2013 1:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Capital Loss Carryover: Can be used with LT or ST Gain?
Replies: 6
Views: 568

Re: IT Professionals - Applying For Job Without Requested Sk

After watching this other company's postings for a long time, a job was finally posted for a web developer position. Here's the dilemma... The language requested for the position is PHP. My experience is with Java. I am familiar with all the other requirements of the job -- HTML, JavaScript, SQL, e...
by Ozonewanderer
Mon Apr 01, 2013 1:28 am
 
Forum: Personal Finance (Not Investing)
Topic: IT Professionals - Applying For Job Without Requested Skills
Replies: 34
Views: 2321

Re: Convincing youngsters to save seriously

I use this spreadhseet which shows that a child who saved $9,000 by age 13 and did not save one more penny ended up with more money at age 65 (over $1,000,000) than someone who saved $2,000 each year from age 25 to age 65 : http://sdrv.ms/YAKDKF
by Ozonewanderer
Mon Feb 18, 2013 2:06 am
 
Forum: Investing - Theory, News & General
Topic: Convincing youngsters to save seriously
Replies: 12
Views: 1300

Re: A Precedence for Savings

I prefer to look at the problem this way: I need to live within a budget. The budget is limited by my take home pay. There is a discretionary and a non-discretionary component to the budget. I need to first decide what goes into the non-discretionary budget. Probably food and mortgage. I'd be smart ...
by Ozonewanderer
Mon Feb 18, 2013 1:51 am
 
Forum: Investing - Theory, News & General
Topic: A Precedence for Savings
Replies: 26
Views: 2838

Re: Does the fund theory apply to bonds as well?

The reason for having a bond fund instead of individual bonds is, it seems to me, a) to eliminate the impact of an individual bond actually defaulting, b) to provide the convenience of purchase and redemption at arbitrary times of your own choosing, and c) when redeeming at an arbitrary time, to pr...
by Ozonewanderer
Mon Feb 18, 2013 1:33 am
 
Forum: Investing - Theory, News & General
Topic: Does the fund theory apply to bonds as well?
Replies: 8
Views: 721

Re: Why [do] people have 2 IRAs.

It's getting hard for me to understand how come people have 2 IRA accounts - Traditional IRA which gives tax deduction instantly and ROTH IRA which does not. I know the difference between them and after careful thoughts, reading this forum and other material, I opted for Roth IRA myself for me and ...
by Ozonewanderer
Mon Feb 18, 2013 1:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Why [do] people have 2 IRAs.
Replies: 33
Views: 3014

Re: Can a Frugal Boglehead date and marry a non Boglehead?

PhillyPhan wrote:00000

How could two conservative Bogleheads ever have fun? Like if they played Monopoly neither one would buy property - they'd both just go around the board collecting $200... :mrgreen:
by Ozonewanderer
Wed Feb 13, 2013 12:49 am
 
Forum: Personal Consumer Issues
Topic: Can a Frugal Boglehead date and marry a non Boglehead?
Replies: 34
Views: 4260

Re: Fixed Income Life Annuity Question

When I looked at single premium immediate annuities once (2-3 years ago?) I was surprised to find that the payout rate for TIAA-CREF annuities was much lower than its competitors. The rep said it was because TIAA-CREF annuitants tend to be teachers in good health with higher education levels and lon...
by Ozonewanderer
Wed Feb 13, 2013 12:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Fixed Income Life Annuity Question
Replies: 17
Views: 1016

Re: swap out VBMFX? [Portfolio Help]

...but we did a general (taxable) account, in case we need to get to money in an emergency, etc. We both have separate 401k accounts containing bond funds. We were thinking about exchanging the Bond Market Index Fund for 1 of the following: Vanguard Dividend Growth Fund (VDIGX) Vanguard Small-Cap I...
by Ozonewanderer
Tue Feb 12, 2013 1:52 am
 
Forum: Investing - Help with Personal Investments
Topic: swap out VBMFX? [Portfolio Help]
Replies: 3
Views: 505

Re: Emerging markets may not yield higher growth

Another part of the fallacy is that companies based in emerging market countries somehow share proportionately in the economic growth of those countries. The fallacy grows out of the fact that what most people actually purchase are market capitilization based products such as mutual funds and ETFs....
by Ozonewanderer
Thu Jan 10, 2013 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging markets may not yield higher growth
Replies: 34
Views: 2102

Re: Emerging markets may not yield higher growth

If you, like me, assume that rapidly developing countries (i.e., "Emerging Markets") will yield higher investment returns as their economies enjoy rapid growth, there have been studies that prove just the opposite: http://www.economist.com/blogs/buttonwood/2009/08/the_growth_illusion Emer...
by Ozonewanderer
Thu Jan 10, 2013 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging markets may not yield higher growth
Replies: 34
Views: 2102

Re: Emerging markets may not yield higher growth

Nevertheless I remain invested in Matthews China because I was so impressed with the country from my visits to there and also out of loyalty to my ancestry. However it looks like I should not really be optimistic. Anyway I only have 2% of my portfolio there. I don't like the volatility so my equiti...
by Ozonewanderer
Thu Jan 10, 2013 6:01 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging markets may not yield higher growth
Replies: 34
Views: 2102
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