Search found 6199 matches

by Sidney
Thu Sep 03, 2015 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Opening IRA for my wife (SAHM)
Replies: 10
Views: 574

Re: Opening IRA for my wife (SAHM)

Yes, that can be done as long as you have the cash flow from your employment. Cash can come from anywhere; gift, selling taxable assets, lottery winnings ... I don't think that is correct, I believe that you can only contribute "earned income" to a ROTH. That is why one cannot contribute ...
by Sidney
Wed Sep 02, 2015 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Home Equity When Estimating Savings for Retirement
Replies: 32
Views: 1658

Re: Home Equity When Estimating Savings for Retirement

I have never counted anything that isn't a liquid asset. So, no home, no rental property, no personal property.
by Sidney
Tue Sep 01, 2015 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: Opening IRA for my wife (SAHM)
Replies: 10
Views: 574

Re: Opening IRA for my wife (SAHM)

ruralavalon wrote:Yes, that can be done as long as you have the cash flow from your employment.

Cash can come from anywhere; gift, selling taxable assets, lottery winnings ...
by Sidney
Sun Aug 30, 2015 8:38 am
Forum: Investing - Theory, News & General
Topic: Aug 2015 correction: what Bogleheads did...
Replies: 116
Views: 6080

Re: Aug 2015 correction: what Bogleheads did...

I did nothing. My allocation never moved even close to a re-balance band so no action required.
by Sidney
Sat Aug 29, 2015 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Anyone use a different target retirement year then when they will retire???
Replies: 18
Views: 1264

Re: Anyone use a different target retirement year then when they will retire???

As a general rule, I don't pay attention to the name of a fund. The contents of the prospectus which describes the fund's investment strategy is more important. I'd ignore the year and decide which mix and trajectory is appropriate for you. Just look at some of the state-specific mutual funds that l...
by Sidney
Fri Aug 28, 2015 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: If stocks dropped 30% next Monday, would you rebalance?
Replies: 103
Views: 5987

Re: If stocks dropped 30% next Monday, would you rebalance?

Just judging by my 1987 behavior, I'd probably do nothing. I think the Oct 1987 downtick was the closest we have been recently to the situation you described.
by Sidney
Thu Aug 27, 2015 7:06 am
Forum: Investing - Theory, News & General
Topic: Bounced back too quick
Replies: 33
Views: 5699

Re: Bounced back too quick

Over the decades I have found that paying attention to and caring about short term fluctuations is a waste of time.
by Sidney
Mon Aug 24, 2015 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: 2008 all over again...
Replies: 25
Views: 3922

Re: 2008 all over again...

In 2008 there was an infrequent opportunity to buy Tips at ~3% real. Not likely to repeat this time.
by Sidney
Mon Aug 24, 2015 3:49 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy?
Replies: 2
Views: 292

Re: Should I buy?

Image
by Sidney
Sat Aug 22, 2015 2:23 pm
Forum: Investing - Theory, News & General
Topic: Loss in portfolio makes me spend more, do you ?
Replies: 30
Views: 2585

Re: Loss in portfolio makes me spend more, do you ?

We spent more in 2009 but for a different reason. Prices were good. Contractors for remodeling were begging for work. Travel prices (air/hotel/restaurants) were phenomenal.
by Sidney
Sat Aug 22, 2015 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Just confirming....."stay the course"?
Replies: 53
Views: 6083

Re: Just confirming....."stay the course"?

CantPassAgain wrote:For those of you out there with 5% bands, have they broken yet?

Not even close. But my equity target is 40% and I was a couple points above at the peak - now just under target. Long way down before I hit a band.
by Sidney
Thu Aug 20, 2015 9:16 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1997
Views: 382589

Re: U.S. stocks in freefall

Well, we're headed down nearly 200 points so far today. If this keeps tracking we'll be looking at DOW 17,000 in the rearview mirror soon. Always good to do a risk tolerance check during these downdrafts -- you never know when Mr. Market is going to throw another fit... Going to take another 4,000 ...
by Sidney
Wed Aug 19, 2015 8:00 am
Forum: Personal Finance (Not Investing)
Topic: How to spend more and not feel bad about it
Replies: 56
Views: 5760

Re: How to spend more and not feel bad about it

We found that when we increased our donations to charities that we felt a little better about also spending more on ourselves.
by Sidney
Tue Aug 18, 2015 11:50 am
Forum: Investing - Help with Personal Investments
Topic: 23 year old with 50+ years to invest looking for advice
Replies: 31
Views: 2317

Re: 23 year old with 50+ years to invest looking for advice

The nice thing about low cost, diversified passive investments is that you don't need to spend a lot of time thinking about it to build wealth - whether you are a janitor or a doctor.
by Sidney
Tue Aug 18, 2015 7:31 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 44
Views: 2802

Re: Fidelity Charitable

When donating to a charity that already knows me, I identify myself in the grant. But sometimes I want to give to a new charity without getting on their mail list. The ability to identify the DAF name without giving my name and address is handy for that. We do that as well (really cuts down on junk...
by Sidney
Mon Aug 17, 2015 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Charitable
Replies: 44
Views: 2802

Re: Fidelity Charitable

Works great. We donated some highly appreciated Google shares to fund it. We enjoy donating to worthwhile charities we come across and giving them our name only...no address or other identifying information, so we aren't put on any sucker lists or pinged for additional donations. The donation is in...
by Sidney
Sun Aug 16, 2015 8:34 am
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6412

Re: What is going on out there?

China devalued their yuan. That seems to be the root cause of the volatility this time. I ordered 200 USD worth of yuan at Wells Fargo last Thursday. They said it'd take three business days and they'd call me when its ready. I have not yet received a call. Do you suppose I'd be getting the old valu...
by Sidney
Sat Aug 15, 2015 12:09 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29459

Re: Free Windows 10 Upgrade, Yes or No?

Interesting that the OS refers to itself in the plural.
by Sidney
Sat Aug 15, 2015 11:41 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29459

Re: Free Windows 10 Upgrade, Yes or No?

I skimmed the transcript. Interesting that he is mainly using XP still, knows some about W7, nothing about W8.

Very emphatic about not using Express Install.
by Sidney
Sat Aug 15, 2015 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Tax Strategies in 2nd Year of Retirement?
Replies: 26
Views: 3105

Re: Tax Strategies in 2nd Year of Retirement?

I didn't run through all the math but at first glance, something doesn't compute in my head.

If all you have is social security and (maybe) a little capital gain, you won't pay 15% tax on that gain. and you probably wouldn't be paying 25% federal tax on an IRA withdrawal.
by Sidney
Thu Aug 13, 2015 4:36 pm
Forum: Investing - Theory, News & General
Topic: Health Insurnace tax duduction?
Replies: 6
Views: 822

Re: Health Insurnace tax duduction?

If you can generate enough self-employment income to cover the premium it is 100% deductible starting at the 1st dollar. Any amount would help. It could be as simple as selling something on eBay or writing an interesting blog. Maybe there is something low stress occupying just a few hours a week. T...
by Sidney
Thu Aug 13, 2015 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: QCD and RMD question
Replies: 21
Views: 1496

Re: QCD and RMD question

If you itemize it won't make any difference tax-wise. Unfortunately, even if you itemize, the QCD is better tax-wise. The QCD lowers your AGI, and an itemized deduction does not. This affects things like how much medical deduction you can take, and others. It may affect AMT. In my state, it definit...
by Sidney
Wed Aug 12, 2015 3:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1997
Views: 382589

Re: U.S. stocks in freefall

Looks like it closed up 10bp
by Sidney
Wed Aug 12, 2015 9:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1997
Views: 382589

Re: U.S. stocks in freefall

Accumulators with unrealized losses in their taxable accounts should be taking advantage of the opportunity.
by Sidney
Wed Aug 12, 2015 9:04 am
Forum: Personal Finance (Not Investing)
Topic: gifting IRA accounts to children?
Replies: 5
Views: 456

Re: gifting IRA accounts to children?

If they have qualifying compensation they can open up an IRA in their own name. You can gift them money to use to fund it as long as they meet all the requirements for an IRA. The adjustment to income would be on their 1040 --- not yours.
by Sidney
Mon Aug 10, 2015 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: IRA distribution - regular income or capital gain?
Replies: 4
Views: 362

Re: IRA distribution - regular income or capital gain?

Regular income.

Assuming no after-tax basis, it all goes on line 15b of the 1040.
by Sidney
Mon Aug 10, 2015 4:22 pm
Forum: Investing - Theory, News & General
Topic: Using data to inform an optimal asset allocation?
Replies: 18
Views: 1026

Re: Using data to inform an optimal asset allocation?

It's only what would have been optimal then. The optimal portfolio today, even taking risk aversion into account, won't be known for another few decades if the criterion is what did in the past end up with the highest-dollar-value outcome. Conflating verb tenses can be hazardous to one's wealth. PJ...
by Sidney
Mon Aug 10, 2015 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Received income earned two years ago!
Replies: 6
Views: 1156

Re: Received income earned two years ago!

Nearly all individual taxpayers are cash-basis filers. This income would be reported on your 2015 tax return.
by Sidney
Mon Aug 10, 2015 2:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1997
Views: 382589

Re: U.S. stocks in freefall

I just looked - all my bond funds are up for one-year returns. Only one is down (-10bp, which to me = 0) YTD. What bonds are you holding? I doubled my total bond (VBTLX) holdings in March and April of this year when I consolidated foreign bonds into all US. I'm down a basis point or two at this poi...
by Sidney
Sun Aug 09, 2015 4:29 pm
Forum: Investing - Theory, News & General
Topic: Using data to inform an optimal asset allocation?
Replies: 18
Views: 1026

Re: Using data to inform an optimal asset allocation?

So pretty much it is informing myself the best I can and eyeballing it and saying "good enough." I agree. I think this helped me in two ways. One, over analyzing and trying to optimize often ends up in "over steering". Over steering can result in mistakes or stupid investments. ...
by Sidney
Sun Aug 09, 2015 11:50 am
Forum: Investing - Help with Personal Investments
Topic: I think i've won ?
Replies: 34
Views: 6007

Re: I think i've won ?

There should be another bump up in the stock price December 31st which i will also receive when cashing out. I am going to make a leap and interpret this as meaning the stock is not publicly traded and the pricing might be formula based for people who are converting out to cash. If that is the case...
by Sidney
Sat Aug 08, 2015 11:46 am
Forum: Investing - Help with Personal Investments
Topic: AA out of whack for retired couple
Replies: 23
Views: 1750

Re: AA out of whack for retired couple

Allocations are a personal choice. Many retirees would have less than 80% equity but some will be high equity. Part of the whole equation is the income streams (SS+ pensions) vs. your total expenses (including income taxes). This a high percentage of your expenses are covered by these income sources...
by Sidney
Sat Aug 08, 2015 11:31 am
Forum: Investing - Theory, News & General
Topic: What Did You Do In The 2008/2009 Stock Market Crash?
Replies: 51
Views: 3662

Re: What Did You Do In The 2008/2009 Stock Market Crash?

Here is a recent lengthy thread on this subject.

viewtopic.php?t=168261
by Sidney
Fri Aug 07, 2015 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: What kind of receipts should be saved for HSA account?
Replies: 20
Views: 1230

Re: What kind of receipts should be saved for HSA account?

Nebster wrote:I see... yeah, mine always come just on each event. Usually in droves.

Check with your insurer. With mine, I can go online and produce a claims report that shows all claims for a period listed out with amount, amount they paid and amount I was responsible for.
by Sidney
Fri Aug 07, 2015 4:37 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 29459

Re: Windows 10 Upgrade Freezes

Roll back to the prior OS. You kept an image of the old system, right?
by Sidney
Fri Aug 07, 2015 3:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1997
Views: 382589

Re: U.S. stocks in freefall

Precious metals in freefall for sure. Sweet, I balled out of Vanguard gold 10 months ago. I'm getting back in when gold is $800 but it will be bullion coins. My biggest loser is bonds, I have real losses over the last year. Being retired I have 40% bonds too. I just looked - all my bond funds are u...
by Sidney
Tue Aug 04, 2015 4:59 pm
Forum: Investing - Theory, News & General
Topic: Apple & the Market:
Replies: 15
Views: 1789

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: 343

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: 1910

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: 3783

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: 3783

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: 2065

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: 2065

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: 999

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: 812

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: 632

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: 4784

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: 2850

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: 2850

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)?

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