Search found 6115 matches

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: 8
Views: 875

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: 3
Views: 237

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: 2449

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).
by Sidney
Sat Jun 27, 2015 8:08 pm
Forum: Forum Issues and Administration
Topic: SSL Labs test on Bogleheads.org: F and C grades
Replies: 24
Views: 3787

Re: SSL Labs test on Bogleheads.org: F and C grades

Great. Our posts are secure. I'll sleep better tonight.
by Sidney
Sat Jun 27, 2015 8:06 pm
Forum: Personal Consumer Issues
Topic: Travel to Greece
Replies: 58
Views: 4190

Re: Travel to Greece

What's the risk? Based on history, Greek civilization will still be there in 2016. They've been around longer than we have.
by Sidney
Sat Jun 27, 2015 4:08 pm
Forum: Forum Issues and Administration
Topic: SSL Labs test on Bogleheads.org: F and C grades
Replies: 24
Views: 3787

Re: SSL certificate issue on Bogleheads

I think this was discussed here a couple of weeks ago and the decision was it is OK for what we do. There should be a thread you can find with the search function. Nothing really to lose on this site anyway.
by Sidney
Sat Jun 27, 2015 11:58 am
Forum: Personal Finance (Not Investing)
Topic: favorite personal budget SW/spreadsheet?
Replies: 11
Views: 1473

Re: favorite personal budget SW/spreadsheet?

My personal opinion is that parsing spending in to more than 7-10 categories is overkill and doesn't add much value. With that in mind, I use Google Docs. I only have three categories. Expenses other than income taxes, income taxes and capital (a somewhat fluid and arbitrary definition).
by Sidney
Sat Jun 27, 2015 10:54 am
Forum: Investing - Help with Personal Investments
Topic: 10 year Broker CDs vs 10 year Treasury
Replies: 27
Views: 2449

Re: 10 year Broker CDs vs 10 year Treasury

10 years is a long time. If I were going to lock up a maturity that long I'd be inclined to look at a Jan 2026 Tip - or maybe stretch to 27. Or ladder 26-31.
by Sidney
Fri Jun 26, 2015 8:14 pm
Forum: Personal Consumer Issues
Topic: Google Map: How To See Traffic Far Away
Replies: 25
Views: 1943

Re: Google Map: How To See Traffic Far Away

"So how does Google know what traffic is like on the roads, nearly all the time? From our smartphones, of course. Whether you like it or not, “telephone companies have always known where your phone is ,” Dobson says, because cell phone companies need to use location to appropriately charge cus...
by Sidney
Fri Jun 26, 2015 8:59 am
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 4586

Re: Did 2008 change your investing strategy?

UADM wrote:It made me more hesitant to go back in until late 2009/early 2010.

Does this mean that you bailed during the crash?
by Sidney
Thu Jun 25, 2015 11:33 am
Forum: Personal Finance (Not Investing)
Topic: making minor changes to a will
Replies: 6
Views: 561

Re: making minor changes to a will

feh wrote:Thanks everybody.

First step is to read the will, which I have not done yet...

Surely you read it before you signed it.
by Sidney
Wed Jun 24, 2015 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Reducing BND before rate increases
Replies: 34
Views: 3068

Re: Reducing BND before rate increases

livesoft wrote:
David Jay wrote:Never owned a debt fund until 3 years ago. So I have never seen rising rates.

So you didn't notice what happened when rates rose in the summer of 2013? (That was just 2 years ago.) What happened to any of the debt fund(s) that you might have owned then?

or even looked at one of Nisi's graphs.
by Sidney
Mon Jun 22, 2015 4:50 pm
Forum: Personal Consumer Issues
Topic: Moving from Android to iOS
Replies: 13
Views: 1474

Re: Moving from Android to iOS

Check the fine print on the company deal. They may explain that they reserve the right to look at anything you put on the phone, including personal email. Mine did. I only used it for an occasional personal call (which they paid for as part of the program) but I had my own device for everything else.
by Sidney
Sun Jun 21, 2015 7:31 am
Forum: Investing - Theory, News & General
Topic: The Other Side (proposed series)
Replies: 35
Views: 4399

Re: The Other Side (proposed series)

bpp wrote:Of course, I wouldn't title the thread series "The Other Side." Perhaps "Over On This Side"?

For retirees, "the other side" could have negative connotations involving a white light and no more worries about running out of money.
by Sidney
Sat Jun 20, 2015 11:26 am
Forum: Investing - Theory, News & General
Topic: Wsj article today on reit investing
Replies: 34
Views: 5847

Re: Wsj article today on reit investing

nedsaid wrote:my REIT funds have been in the mid/small value portions of the Morningstar Stylebox.


I haven't looked lately but at one point, VG's small cap value fund had a pretty healthy dose of REITS.
by Sidney
Wed Jun 17, 2015 8:02 am
Forum: Investing - Help with Personal Investments
Topic: what are my options?
Replies: 2
Views: 376

Re: what are my options?

Rolling to a Traditional IRA creates a problem if you want to do backdoor Roths in the future.
by Sidney
Tue Jun 16, 2015 8:10 am
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12473

Re: LastPass.com Breach

VictoriaF wrote: you can't read the Bogleheads in your dental office because you can't possibly remember a password like the one I produced above.

Of course you can. I read them all the time without logging in.
by Sidney
Tue Jun 16, 2015 8:08 am
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12473

Re: LastPass.com Breach

Using keepass with Dropbox is less secure than lastpass, lol It's still doing the same thing! Possibly, although they would have to be targeting my drop box folder (probably a less rich target), know or figure out the name of the db file amongst all the other chaff in the folder and finally, they w...
by Sidney
Tue Jun 16, 2015 7:47 am
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12473

Re: LastPass.com Breach

stan1 wrote:
ThankYouJack wrote:
There are programs that store the encrypted files locally and sync all of your devices over wifi.


Such as?

Not sure what Jack means but I use Keepass and store the file in a Dropbox folder which synchs on all my devices. There is an Android Keepass app that can open the KP database.
by Sidney
Tue Jun 16, 2015 7:45 am
Forum: Personal Consumer Issues
Topic: LastPass.com Breach
Replies: 153
Views: 12473

Re: LastPass.com Breach

Let's say that you have a complex password to access the Bogleheads site: $$&D@#se93w34@$seiw3bnaSEEE133s or something similarly memorable. You travel to Spain and want to access the Bogleheads on your iPhone via WiFi at your hotel. Will you store your passwords on the iPhone? What if your iPho...
by Sidney
Sat Jun 13, 2015 4:28 pm
Forum: Investing - Theory, News & General
Topic: Real estate cost basis question
Replies: 3
Views: 497

Re: Real estate cost basis question

I'm not certain what the tax law would say but an economist would say that he gave them the property and therefore the basis for them would be his basis.
by Sidney
Fri Jun 12, 2015 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: End of Life Business Procedures
Replies: 26
Views: 2305

Re: End of Life Business Procedures

What should he do to make sure the bank will give her access to his account at the time of his death? I never thought of this. Is there a form for that? They both have access to the Safe Deposit box already. It probably varies state to state. The cases I am familiar with (personally) were in Virgin...
by Sidney
Fri Jun 12, 2015 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: End of Life Business Procedures
Replies: 26
Views: 2305

Re: End of Life Business Procedures

If the accounts are in his name, she should not be accessing them. If joint, it shouldn't be a problem. He should make sure that there is adequate cash available in a joint account (or an account that is in her name alone) and that at least one credit card is in her name. Vanguard (and banks) will a...
by Sidney
Thu Jun 11, 2015 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: IRS Transcript page hacked
Replies: 23
Views: 1565

Re: IRS Transcript page hacked

spectec wrote:Done.
(I edited the original post)

Completely different case. This thread is on the IRS transcript "hack".
by Sidney
Thu Jun 11, 2015 11:03 am
Forum: Personal Finance (Not Investing)
Topic: IPhone Financial stuff
Replies: 26
Views: 2974

Re: IPhone Financial stuff

How long are your vacations? I've found that I can usually get things done before I leave or they can wait until I return. But I've never taken more than three weeks vacation at a time.
by Sidney
Wed Jun 10, 2015 8:36 am
Forum: Personal Finance (Not Investing)
Topic: What should my wife do if I die early? [was: Vanguard PAS as Plan B]
Replies: 18
Views: 2363

Re: Vanguard PAS as Plan B

If the portfolio design is kept relatively simple and the life insurance payout is known, there isn't any reason not to have a pre-designed plan documented rather than simply relying on VG to do it post mortem.
by Sidney
Tue Jun 09, 2015 4:12 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9703

Re: Free Windows 10 Upgrade, Yes or No?

Just install the Pro version.
by Sidney
Tue Jun 09, 2015 7:03 am
Forum: Forum Issues and Administration
Topic: SSL Labs test on Bogleheads.org: F and C grades
Replies: 24
Views: 3787

Re: SSL Labs test on Bogleheads.org: F and C grades

I thought everyone used a fake/throw-away e-mail address for their online registrations and most people use a login name unrelated to their real life. Furthermore, people make up online persona including family details and such. For example, I have never banked at WellsFargo in my life nor do I hav...
by Sidney
Sun Jun 07, 2015 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Do dividends keep up with inflation?
Replies: 6
Views: 1015

Re: Do dividends keep up with inflation?

I don't have any data handy but I recall looking at some data about 4-5 years ago. It went back to some time pre-great depresssion (early 1920s or maybe earlier). I seem to recall that dividends have tracked ahead of inflation over the long term. But keep in mind that the dividend is just a slice of...
by Sidney
Sat Jun 06, 2015 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: New CC expiration date but same card number - do I have to update auto pays?
Replies: 11
Views: 1353

Re: New CC expiration date but same card number - do I have to update auto pays?

I only have a couple of auto pays. I have had to update them. Same with web vendors like Amazon.
by Sidney
Fri Jun 05, 2015 8:12 am
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 131
Views: 14977

Re: Wise move to move some $ to cash before bear market?

riptide wrote:Isn't it really such a bad idea just to have a bit of cash like 10% or less to ensure you can buy funds when they are low and very low and cheap?

That's what the 30% bonds are for. Sell bonds and buy stocks.
by Sidney
Tue Jun 02, 2015 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Transfer of wealth to kids
Replies: 87
Views: 10329

Re: Transfer of wealth to kids

If cost basis is high, why would taxes be high?
by Sidney
Tue Jun 02, 2015 11:39 am
Forum: Investing - Theory, News & General
Topic: "How to React When the Bear's Hibernation Ends"
Replies: 48
Views: 7156

Re: "How to React When the Bear's Hibernation Ends"

Don't forget that some of the hyperbole in the press was triggered by the vibrations in the debt markets as well. Something we didn't really see in 2000-2003. Each has to draw one's own opinion as to how close to the abyss we were or were not.
by Sidney
Tue Jun 02, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9703

Re: Free Windows 10 Upgrade, Yes or No?

And if I truly hate Windows 10? I can just reset the computer to factory condition with the previous OS. No harm, no foul. Like I said, it's a a no brainer to upgrade. Before you upgrade, check to make sure you can do this. Once you activate a W10 image with the license key that came with W7, it is...
by Sidney
Sat May 30, 2015 4:39 pm
Forum: Investing - Theory, News & General
Topic: Is SPIA income fully taxable?
Replies: 16
Views: 1462

Re: Is SPIA income fully taxable?

I'm not that familiar with annuities. What I believe is that there are actuarial formulas that the insurance companies use that amortize off the capital over your expected life-time (or a joint lifetime if it continues with a survivor). It is probably similar to paying down a mortgage but taking int...
by Sidney
Sat May 30, 2015 4:27 pm
Forum: Investing - Theory, News & General
Topic: Is SPIA income fully taxable?
Replies: 16
Views: 1462

Re: Is SPIA income fully taxable?

Would the return of capital portion be the amount distributed until the lump sum has been payed out? So, say you bought a 750k SPIA. Would all payouts until 750k has been payed out be tax-free, regardless of time? No, the payments will be a mix of capital and income. Over time, depending on how lon...
by Sidney
Sat May 30, 2015 4:11 pm
Forum: Investing - Theory, News & General
Topic: Is SPIA income fully taxable?
Replies: 16
Views: 1462

Re: Is SPIA income fully taxable?

Normally the income portion would be taxable. It is reported on line 16b. Whether it is taxed or not depends on the composition of your tax return. The return of capital portion would not be taxable.
by Sidney
Sat May 30, 2015 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: High Yield Tax Exempt Options. Is VWAH the tax exempt equivalent to VWEHX (taxable)?
Replies: 16
Views: 1050

Re: High Yield Tax Exempt Options. Is VWAH the tax exempt equivalent to VWEHX (taxable)?

Keep in mind also that the HY TE fund holds bonds subject to AMT. You need to check how much this is -- it can vary from year to year.. Wow. Very helpful- and unexpected information. Is this also true for the Vanguard Intermediate Term Tax Exempt Bond Fund, too? How do I find this information? The ...
by Sidney
Sat May 30, 2015 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: High Yield Tax Exempt Options. Is VWAH the tax exempt equivalent to VWEHX (taxable)?
Replies: 16
Views: 1050

Re: High Yield Tax Exempt Options. Is VWAH the tax exempt equivalent to VWEHX (taxable)?

Keep in mind also that the HY TE fund holds bonds subject to AMT. You need to check how much this is -- it can vary from year to year..
by Sidney
Sat May 30, 2015 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Home Equity as part of your Net Worth?
Replies: 25
Views: 2841

Re: Home Equity as part of your Net Worth?

bertilak wrote:I count my home equity as part of my net worth, but NOT as part of my investable assets.

Yeah. Net worth not useful for much until you either die or get sued/divorced.
by Sidney
Fri May 29, 2015 4:36 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual fund dividend reinvestment
Replies: 2
Views: 442

Re: Mutual fund dividend reinvestment

1. Yes
2. Wash sales are not illegal. You simply cannot take the loss on the portion of the sale that has been washed by the purchases in the IRA. This gets adjusted on form 8949 when you file your taxes. Alternatively, turn off automatic reinvestment in the IRA.
by Sidney
Fri May 29, 2015 9:18 am
Forum: Personal Finance (Not Investing)
Topic: where to withdraw for kitchen remodel
Replies: 3
Views: 445

Re: where to withdraw for kitchen remodel

I would probably take it from taxable if I was still working and in a higher bracket. Down the road, if you need cash for an emergency you can always tap the retirement then (and, perhaps your tax rate will be lower then).
by Sidney
Fri May 29, 2015 9:11 am
Forum: Investing - Theory, News & General
Topic: Help me simply understand why Bonds now?
Replies: 32
Views: 2978

Re: Help me simply understand why Bonds now?

Our assumptions may be wrong. Also, if interest rates rise, equity may perform worse than bonds so relatively speaking, bonds may perform well. The chances are probably significant that some time in the next few years the equity indexes will get a 30-40% haircut. Normally in these situations high qu...
by Sidney
Fri May 29, 2015 9:11 am
Forum: Forum Issues and Administration
Topic: My post printed twice
Replies: 7
Views: 1180

Re: My post printed twice

Once a post follows your post, it cannot be deleted. Threads remain out there forever unless the mods delete it. Even then, there are internet archives that probably contain the old thread.
by Sidney
Fri May 29, 2015 8:48 am
Forum: Forum Issues and Administration
Topic: My post printed twice
Replies: 7
Views: 1180

Re: My post printed twice

If the post has not been followed with any replies, it can be deleted.
by Sidney
Tue May 26, 2015 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review for Hopeful Early Retirees
Replies: 10
Views: 936

Re: Portfolio Review for Hopeful Early Retirees

How big is your adviser's boat? First thing I would tackle is to get the IRAs out from under the adviser and to a low cost fund company (e.g. Vanguard, Fidelity) and simplify them drastically. In addition to being a cost-free maneuver, it will optically make the whole process of simplification less ...
by Sidney
Fri May 22, 2015 2:53 pm
Forum: Investing - Help with Personal Investments
Topic: please confirm: early retirement
Replies: 90
Views: 7653

Re: please confirm: early retirement

Those numbers look feasible. Are there any items you're missing (increased funds for travel, etc)? Two things people often forget on the expense line. Income taxes (which may not be an issue here) and capital replacement (roof, cars, furnace ...). I'm also interested in the answer on health care. W...
by Sidney
Thu May 21, 2015 3:59 pm
Forum: Personal Consumer Issues
Topic: Being an Uber driver
Replies: 15
Views: 2972

Re: Being an Uber driver

Jack FFR1846 wrote:My auto renewal included a page explaining that if the vehicle is found to be used in a service like Uber, coverage resorts to state minimums. So my $500k liability would go to $10k.

That isn't a surprise. If I were the underwriters I would do something like this or exclude coverage altogether.
by Sidney
Tue May 19, 2015 2:25 pm
Forum: Personal Consumer Issues
Topic: Converting garage into office space
Replies: 6
Views: 633

Re: Converting garage into office space

Does your lot have space adjacent to the remaining one-car space that a future buyer (or you if you change your mind) could use to expand the actual garage?
by Sidney
Tue May 19, 2015 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Living on last months income.
Replies: 33
Views: 3471

Re: Living on last months income.

Do unrealized capital gains count as income?

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