Search found 6162 matches

by Sidney
Tue Aug 04, 2015 4:59 pm
Forum: Investing - Theory, News & General
Topic: Apple & the Market:
Replies: 12
Views: 930

Re: Apple & the Market:

pocketplayer wrote:On the outside I have to hold it together, but to be honest, life right now feels like
things are falling apart.

Maybe 50% equity isn't right for you.
by Sidney
Tue Aug 04, 2015 8:13 am
Forum: Personal Consumer Issues
Topic: Local Backup Program Recommendations
Replies: 6
Views: 286

Re: Local Backup Program Recommendations

ieee488 wrote:I use Clonezilla.

I have used this as well. Macrium works well too. I don't know if either runs in W10. Doesn't Windows have a disk imaging routine built in now?
by Sidney
Thu Jul 30, 2015 4:31 pm
Forum: Personal Consumer Issues
Topic: Rental Car Possible Damaged after I returned it
Replies: 18
Views: 1831

Re: Rental Car Possible Damaged after I returned it

Whenever I've returned a rental car, one of the employees and I check it over and note "no damage" on the paperwork. I check it over also before I take the car. I finally started doing a quick video with my phone before we depart and again when we return. Just a quick walk around. Takes n...
by Sidney
Wed Jul 29, 2015 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3431

Re: Retirees: Social Security and Expenses

You're really asking us to divulge our income. Think about it. Gill I agree. Not precisely, but certainly a major clue. Thank you, Nisiprius! I'm glad someone saw my point. I realize OP was talking about expenses and for me, and likely others, that roughly equates to income. Gill Without the inform...
by Sidney
Wed Jul 29, 2015 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Retirees: Social Security and Expenses
Replies: 61
Views: 3431

Re: Retirees: Social Security and Expenses

If SS represents 20% of one's income the odds are pretty good that he was a fairly high earner and accumulated assets. A high earner, now retired, is probably receiving around $25,000 to $30,000 in SS and therefore it would not be unreasonable to conclude the total income is around $125,000 to $150...
by Sidney
Wed Jul 29, 2015 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Donate $300,000 in traditional IRA to charity
Replies: 22
Views: 2022

Re: Donate $300,000 in traditional IRA to charity

Another tax "gotcha" to watch out for: taking an IRA distribution of $X and donating the $X to charity do not necessarily totally offset each other as far as your bottom line tax liability. Assuming you were itemizing before, the $X IRA distribution and $X donation combination will leave ...
by Sidney
Wed Jul 29, 2015 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Donate $300,000 in traditional IRA to charity
Replies: 22
Views: 2022

Re: Donate $300,000 in traditional IRA to charity

It would help to know roughly how your total assets are distributed - taxable and deferred. It might be that someone will suggest an alternative strategy of donating different assets in an equivalent amount.
by Sidney
Sun Jul 26, 2015 10:39 am
Forum: Forum Issues and Administration
Topic: Incorrect time on [bogleheads.org home page; 4 hours ahead]
Replies: 6
Views: 547

Re: Incorrect time on forum page; 4 hours ahead

This is what I am seeing at approx 11:35am EDT. (on www.bogleheads.org)

Image

When I click on a specific post, the time is correct.
by Sidney
Sun Jul 26, 2015 10:32 am
Forum: Investing - Theory, News & General
Topic: Would Demand For Bonds Temper the Drop in NAV
Replies: 13
Views: 791

Re: Would Demand For Bonds Temper the Drop in NAV

If rates rise and, subsequently, the bond funds 'nav' drops in proportion to average duration of the bond fund, is it possible that the magnitude of the drop will be tempered by the public demand for better yielding bond funds? In other words, if there is a rush to buy the bond funds once the yield...
by Sidney
Sun Jul 26, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Tax question- One time Consulting 1099 payment
Replies: 10
Views: 581

Re: Tax question- One time Consulting 1099 payment

Assuming a tax rate of 25%, you're talking maybe a $25 ($20,000*.25*.01)/2) gain from waiting. I don't think it matters either way. As for maximizing tax deductions. Just go down every line on the 1040 and Schedule A and ask yourself what you can do to optimize. One of the fastest and simplest ways ...
by Sidney
Sat Jul 25, 2015 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 25
Views: 4637

Re: Can I retire early?

Sidney - you mention that fixed income is tax-inefficient in tax-deferred accounts - I thought the Bogle way was to put bonds and other fixed income in tax efficient accounts? No, I think I said that it is inefficient if held in a taxable account. It appears from your OP that the bulk of cash is in...
by Sidney
Sat Jul 25, 2015 11:31 am
Forum: Investing - Theory, News & General
Topic: 10-Year TIPS Auction July 23 2015
Replies: 29
Views: 2785

Re: 10-Year TIPS Auction July 23 2015

Thanks. You stated it better and explained it more completely that I certainly did.
by Sidney
Sat Jul 25, 2015 7:42 am
Forum: Investing - Theory, News & General
Topic: 10-Year TIPS Auction July 23 2015
Replies: 29
Views: 2785

Re: 10-Year TIPS Auction July 23 2015

Doc wrote:The accrued principal is just an arithmetic problem.

Isn't the accrued inflation adjustment exposed to deflation risk (however small that might be)?
by Sidney
Fri Jul 24, 2015 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 25
Views: 4637

Re: Can I retire early?

There is too much idle cash - we started a CD ladder, but will certainly build on that. I'd also look at swapping equity and fixed/cash and only hold equity in taxable. In other words, use the cash to buy equity in taxable and move comparable amount of equity to some sort of fixed income (CDs if th...
by Sidney
Fri Jul 24, 2015 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Can I retire early?
Replies: 25
Views: 4637

Re: Can I retire early?

Expenses need to include income taxes. I'd run the numbers through something like Firecalc and seen what it says.

btw, that is a lot of cash sitting idle in taxable -- if I read the data correctly.
by Sidney
Fri Jul 24, 2015 10:53 am
Forum: Personal Finance (Not Investing)
Topic: estate planning when giving most to charity
Replies: 12
Views: 973

Re: estate planning when giving most to charity

Seems you could save a lot of trouble and money by just opening and funding a donor advised fund now. Then on death leave everything to the DAF. Then have the successor owner, say the lawyer, distribute according to your instructions. This is similar to what we have done. We already have the DAF wi...
by Sidney
Thu Jul 23, 2015 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Not paying estimated taxes
Replies: 20
Views: 2276

Re: Not paying estimated taxes

I'm confused. You make money from 4 sources: 1. Wife's income (20% withheld) 2. Real estate rent and interest income (you just keep all this?) 3. Self employment income (you just keep all of this, too?) 4. IRA RMD's (withhold enough to cover all taxes, if possible) If you are not, you should be pay...
by Sidney
Thu Jul 23, 2015 7:34 am
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 5941

Re: Do you hate your vehicle infotainment system?

If there's one very important take-away from that article, it's that Chrysler has a patch available for the affected Uconnect units. Yes, but is that the only hole in the system? I wouldn't want a vehicle connected to the internet. If these systems become widespread, I hope they have the ability to...
by Sidney
Tue Jul 21, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 18811

Re: What 2008/09 has done to me

Valuethinker wrote:Someone can fact check me but from memory the top marginal tax rate under Eisenhower was something like 70%

I think the top rate was 91% at one point during the Eisenhower years.
by Sidney
Tue Jul 21, 2015 8:43 am
Forum: Investing - Help with Personal Investments
Topic: How would you rebalance when your fixed income investments are not liquid?
Replies: 15
Views: 552

Re: How would you rebalance when your fixed income investments are not liquid?

But when equities fall in value isn't it beneficial to be able to rebalance into them to buy them cheap? I know it's not "guaranteed" but holding 10-20% in bonds and rebalancing seems to greatly smooth returns. 100% equity can take several decades to "win" and in retirement I mi...
by Sidney
Tue Jul 21, 2015 8:08 am
Forum: Investing - Help with Personal Investments
Topic: How would you rebalance when your fixed income investments are not liquid?
Replies: 15
Views: 552

Re: How would you rebalance when your fixed income investments are not liquid?

And how do you even count assets that aren't tradeable and just have an income stream like annuities and social security? You don't. Count them as offsets to spending stream. I don't have these annuities but I do have investment real estate and I don't count that either. It sounds like you are 100%...
by Sidney
Tue Jul 21, 2015 7:33 am
Forum: Personal Consumer Issues
Topic: Looking for secure online bank
Replies: 18
Views: 1892

Re: Looking for secure online bank

mhalley wrote:Google list: https://twofactorauth.org/ Note Ally bank is there, which is always mentioned here as having good rates. I think it has a 16 letter maximum pw, but I don't know the specifics.
Mike

It is a real eye-opener how many banks do not have 2FA.
by Sidney
Mon Jul 20, 2015 10:55 am
Forum: Personal Consumer Issues
Topic: Do you hate your vehicle infotainment system?
Replies: 73
Views: 5941

Re: Do you hate your vehicle infotainment system?

Becomes dangerous playing with a touch screen to switch from radio when driving. Speaking to some local law enforcement folks, they are really worried about distracted driving - more so than DUI. They now find that after they peel out the bodies in a wreck these days, they are more likely to find t...
by Sidney
Mon Jul 20, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: retiring at 65 vs 66
Replies: 14
Views: 1544

Re: retiring at 65 vs 66

Some additional information might help focus the advice you get. Are you talking about social security benefits or a private pension? If it is a private pension, does there exist the option to retire at 65 and start drawing the pension a year (or more later)? Does the person have other resources to ...
by Sidney
Fri Jul 17, 2015 6:46 am
Forum: Personal Finance (Not Investing)
Topic: Turning 65, need Medicare, but delaying Social Security
Replies: 20
Views: 1711

Re: Turning 65, need Medicare, but delaying Social Security

I would start with http://www.medicare.gov/ and then move on to other online resources. Also, many community-based senior centers have (or can direct you to) experts who can help navigate the Medicare alternatives. For now, just ignore the calls and letters and educate yourself on how the program wo...
by Sidney
Tue Jul 14, 2015 8:12 pm
Forum: Personal Consumer Issues
Topic: Which professional to contact? [Front yard maintenance]
Replies: 12
Views: 1049

Re: Which professional to contact?

If all that is required is topsoil(fill) and grass seed I would wait and do it in the early fall. If you do it now, you will probably get weeds and less successful grass. Weeds start to go dormant in the fall. Grass seed does better in cooler weather.
by Sidney
Tue Jul 14, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: Need 'secure' flash drive(s)
Replies: 15
Views: 1176

Re: Need 'secure' flash drive(s)

I just use an encryption program. Been a long time since I used a flash drive but back then I used portable Truecrypt on the flash and encrypted part of the drive. That left part unencrypted for quick access to no-risk stuff.
by Sidney
Tue Jul 14, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7546

Re: Are you going to shop on Prime Day?

If it is anything like black Friday it will be mostly low-end stuff to temp people in to upsell.
by Sidney
Tue Jul 14, 2015 7:08 am
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 7546

Re: Are you going to shop on Prime Day?

What is Prime Day? I have Prime but I have not heard anything about it.
by Sidney
Sun Jul 12, 2015 8:10 pm
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 56
Views: 2945

Re: Password Management

I am currently using KeePass offline. I carry it around on a jump drive. It is very tedious at times and becomes a major pain when some computers that I use do not allow access of external hardware. I am thinking of taking the plunge with LastPass, but worried about all of the recent hacking that w...
by Sidney
Sun Jul 12, 2015 4:57 pm
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 56
Views: 2945

Re: Password Management

I am currently using KeePass offline. I carry it around on a jump drive. It is very tedious at times and becomes a major pain when some computers that I use do not allow access of external hardware. I am thinking of taking the plunge with LastPass, but worried about all of the recent hacking that w...
by Sidney
Sun Jul 12, 2015 4:17 pm
Forum: Investing - Theory, News & General
Topic: The "No Bonds" portfolio
Replies: 80
Views: 11077

Re: The "No Bonds" portfolio

Long time no read "why bonds." I have not read one of the why bonds conversations in a couple of months--it is possible that I missed a couple of them. Seem to be both "Why bonds" and "Oh my god, equities might fall" threads (and various versions like "protective ...
by Sidney
Sat Jul 11, 2015 10:01 am
Forum: Personal Consumer Issues
Topic: Replacing central AC-is it necessary to replace to refrigerant line?
Replies: 19
Views: 1200

Re: Replacing central AC-is it necessary to replace to refrigerant line?

One thing you may want to check is whether the manufacturer and/or the installer will honor the warranty if the line isn't replaced.
by Sidney
Fri Jul 10, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: reassurance
Replies: 20
Views: 1194

Re: reassurance

Well, I've been in equity for 30 years and I am only half way into my 60 year plan. Keep at it. 8-)
by Sidney
Fri Jul 10, 2015 3:53 pm
Forum: Investing - Help with Personal Investments
Topic: reassurance
Replies: 20
Views: 1194

Re: reassurance

Maybe 90% equity isn't right for you.
by Sidney
Fri Jul 10, 2015 7:48 am
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3135

Re: What antivirus software?

I'm for strong AV and malware protection. I just don't view it as an excuse for sloppy backup practices.
by Sidney
Thu Jul 09, 2015 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: 2013 QCDs
Replies: 7
Views: 453

Re: 2013 QCDs

My 1099R is exactly as you describe. Box 7 shows distribution code 07, and box 2a shows the entire amount as taxable. However, box 2b (taxable amount not determined) contains an X. 2013 was the first year I used QCDs. I wonder if the IRS has a profile of previous QCD contributors to prevent them be...
by Sidney
Thu Jul 09, 2015 8:07 pm
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3135

Re: What antivirus software?

Phineas J. Whoopee wrote:Because you were careful enough to back up your data, but not careful enough to create recovery media for your (no-longer-available) operating system version for your hardware that isn't adequate to run a newer one.

It would have to be pretty old - I have 2005 hardware running W7 with no problems.
by Sidney
Thu Jul 09, 2015 2:07 pm
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3135

Re: What antivirus software?

Zaplunken, Microsoft discontinued support for Vista Home Premium on Apr 10, 2012. So, for over 3 years, your computer may not have the latest security patches, making it vulnerable to exploits. New exploits are being found constantly. I seriously encourage you to move to a newer operating system, b...
by Sidney
Thu Jul 09, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3135

Re: What antivirus software?

midareff wrote: I think you have to ask yourself how much damage (and the cost) would be done if you had to replace your computer,

Why would you have to replace your computer?
by Sidney
Wed Jul 08, 2015 10:57 am
Forum: Investing - Help with Personal Investments
Topic: NYSE trading halted [for more than 3 hours]
Replies: 32
Views: 2956

Re: NYSE trading halted

Y2.0155K bug.
by Sidney
Wed Jul 08, 2015 12:55 am
Forum: Investing - Help with Personal Investments
Topic: Distribution question. Can this forum provide better customer service than Vangard!?
Replies: 25
Views: 1796

Re: Distribution question. Can this forum provide better customer service than Vangard!?

Is it possible you bought the fund ex-div but before the actual div payment. So you transferred say $10K. They purchased the fund ex-div (less than $10K -- 9,715.48.) for you plus the right to the div which was then paid making your total $10K.
by Sidney
Mon Jul 06, 2015 9:37 pm
Forum: Forum Issues and Administration
Topic: [Forum running slow]
Replies: 43
Views: 2594

Re: [Forum running slow]

Better than earlier today but still sluggish at times.
by Sidney
Mon Jul 06, 2015 11:38 am
Forum: Investing - Theory, News & General
Topic: How aggressive are you in Taxable?
Replies: 37
Views: 3133

Re: How aggressive are you in Taxable?

I manage it all as one portfolio. All my equity is in taxable. The money doesn't know.
by Sidney
Sat Jul 04, 2015 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: I'm spending 20% more than what i estimate. Easy way to track my expenses?
Replies: 52
Views: 4139

Re: I'm spending 20% more than what i estimate. Easy way to track my expenses?

Check if your CC company(ies) offer CSV download. If yes, put everything in Excel. If not, go over your statements. It may be boring, but I guarantee you will get a lot from this exercise. Including a few surprises. If this is *really* too much for you, then track every expense (categorize them, ev...
by Sidney
Fri Jul 03, 2015 3:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. Bond Market Bubble
Replies: 44
Views: 4507

Re: U.S. Bond Market Bubble

If we had short term volatility in the bond market during which some bonds dropped 20%, chances are that stocks would drop too in price. In such a scenario, a lot of folks would be too scared to rebalance. I haven't looked at the data but the debt markets were pretty shaky in 2008. What was the big...
by Sidney
Fri Jul 03, 2015 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: New Vanguard Account
Replies: 4
Views: 946

Re: New Vanguard Account

I was going to suggest that also -- but depending on whether this is a taxable account and the OP's current tax rate, that might not be the most efficient solution. But worth a look. Could easily emulate a similar mix by investing in the equity parts directly and using muni funds. The trick here is ...
by Sidney
Wed Jul 01, 2015 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Is a large emergency fund needed after 59 1/2
Replies: 25
Views: 3445

Re: Is a large emergency fund needed after 59 1/2

I retired at 55 and completely eliminated my emergency fund. My whole portfolio is my emergency fund.
by Sidney
Wed Jul 01, 2015 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting
Replies: 22
Views: 2031

Re: Tax Loss Harvesting

A better strategy might be to exchange this fund for something like the FTSE all-world ex-US fund and retain your position in non-US equities while booking the loss for tax purposes.
by Sidney
Sun Jun 28, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: 10 year Broker CDs vs 10 year Treasury
Replies: 27
Views: 2812

Re: 10 year Broker CDs vs 10 year Treasury

john94549 wrote:
skepticalobserver wrote:
Ten years is a long time.


Actually, it isn't. We're 68, and have been investing since our 20's (roughly 45 years).

I think the "long" refers to duration of exposure to inflation risk for a nominal security, not personal duration (lifespan).

Go to advanced search