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Re: Simplicity vs. Complexity

Now that I have retired my Mantra has changed to KISS; Keep It Simple Stupid!
by TF Hutch
Mon Sep 08, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: Simplicity vs. Complexity
Replies: 50
Views: 3402

Re: Land line for renter in S Florida

Basic Talk from Walmart cost me less than $13.00/ month with unlimited calling. Does require internet access, available from Comcast for less than $30/mo.

Living in Florida.
by TF Hutch
Mon Sep 08, 2014 10:50 pm
 
Forum: Personal Consumer Issues
Topic: Land line for renter in S Florida
Replies: 18
Views: 1106

Re: Vanguard National Trust Company?

As trustee of my fathers estate, and beneficiary of my grandfathers estate my experience with BNY/Mellon were not good. Excessive fees, little to no help from principals and being stonewalled by underlings was my experience.
by TF Hutch
Mon Sep 08, 2014 3:59 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard National Trust Company?
Replies: 91
Views: 19049

Re: Why invest in bonds?

It would be helpful if responders to these threads would include their years to/in retirement, perhaps add as part of their signature. :happy

Retired 2011, age 69
Current Asset allocation: 55% stocks/45% Bonds, cash

I am concerned stock allocation is too high, fixed income returns are too low.
by TF Hutch
Mon Sep 01, 2014 6:57 am
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6561

Re: Bogleheads, About to retire, Pleases Help

Windhog, thank you.

SPIAs are on my list of considerations, need to see how they work in my estate plan. I have an appointment with my estate planing attorney next week.

It is absolutely incredible to me how much I don't know! Thank goodness for Bogleheads.
by TF Hutch
Wed Apr 23, 2014 5:53 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 1886

Re: Bogleheads, About to retire, Pleases Help

Except for treasury issues , I am not a fan of individual bonds. I'd suggest re-thinking this. I suppose CDs are an option but IMO individual corporate or muni bonds are a lot of work to achieve decent diversification -- kind of goes against the simplification theme. I agree. I like Warren Buffet's...
by TF Hutch
Wed Apr 23, 2014 5:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 1886

Re: Bogleheads, About to retire, Pleases Help

You need to figure out what the short-term and long-term gains would be if you sold the funds in your taxable account. Also, how it would effect your taxes (getting bumped up to a higher bracket and whatnot). Thank you kerplunk. Here are my TAXABLE gains & loses in my portfolio from the Vanguar...
by TF Hutch
Wed Apr 23, 2014 5:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 1886

Re: Bogleheads, About to retire, Pleases Help

Re Social Security: I am afraid of Social Security (sscritic intimidates the hell out of me). My wife is ten years younger(58) than I and will not be eligible for four more years at the earliest. I think. I went to a seminar on social security last night that turned out to be a pitch for a really ba...
by TF Hutch
Wed Apr 23, 2014 4:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 1886

Bogleheads, About to retire, Pleases Help

I am afraid things have gotten away from me and I need help making a course change with my portfolio. I have just completed the accumulation phase of my life. 1. Because of a recent windfall my Asset Allocation has gotten out of whack; I need to reassess how much risk to take. 2. It is now time to m...
by TF Hutch
Mon Apr 21, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 1886

Re: How to invest my "Emergency Fund"

Maximize the Roth IRA, contributions can be withdrawn without penalty in the event of an emergency. Gains may not be withdrawn without penalty however. Any additional Emergency Funds should be in FDIC Insured accounts paying the highest available interest, or US Treasurys.
by TF Hutch
Wed Apr 09, 2014 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to invest my "Emergency Fund"
Replies: 20
Views: 2671

Re: Mint Vs Ibank Vs Quicken for mac

I use Quicken 2007 for Mac on a Lion machine. Thinking about upgrading to "Maverick" Operating system. Will Quicken 2007 still work with Maverick?
I have Quicken Data back to 1994.
by TF Hutch
Wed Feb 19, 2014 11:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mint Vs Ibank Vs Quicken for mac
Replies: 40
Views: 6300

Re: Best site for purchasing bonds

Treasury Direct for purchasing individual US government bonds, bills or notes. No Commission if held to maturity, only commission is if you chose to sell before maturity.
by TF Hutch
Tue Oct 08, 2013 10:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best site for purchasing bonds
Replies: 9
Views: 1002

Re: Need a good book on negotiating

Flea markets and yard sales are a wonderful place to practice negotiating strategies.
by TF Hutch
Sat Mar 16, 2013 12:06 am
 
Forum: Personal Consumer Issues
Topic: Need a good book on negotiating
Replies: 24
Views: 1914

Re: Cash - do you keep a stash on hand?

Love flea markets and yard sales. I have equiped several homes with bargins found. I have bought cars, boats and even an airplane with cash. None of the deals would have been possible without cash on hand, and I made a profit on each of these transactions. Cash is Just another tool. It's amazing wha...
by TF Hutch
Fri Mar 15, 2013 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cash - do you keep a stash on hand?
Replies: 83
Views: 6218

Re: BOGLEHEADS 12 ANNOUNCEMENT

email request sent.
Thank you.
by TF Hutch
Sat Mar 02, 2013 1:32 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 ANNOUNCEMENT
Replies: 92
Views: 21701

Re: BOGLEHEADS 12 ANNOUNCEMENT

Where do I send the registration check?
by TF Hutch
Sat Mar 02, 2013 1:23 am
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 ANNOUNCEMENT
Replies: 92
Views: 21701

Re: Retirement Hearing Witnesses Share What Works

This web site educated me. As a younger man I blew through any money that came my way. Discovering the writings of Jack Bogle changed all that. Today I am retired with a portfolio that has taken off like an Atlas 5 rocket this past month. Scarry knowing it can fall to earth again just as quickly as ...
by TF Hutch
Fri Feb 01, 2013 11:12 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Hearing Witnesses Share What Works
Replies: 15
Views: 2262

Re: Get a Scanner!

I am confused, I use a Mac with OSX 10.8 (Mountain Lion). Apparently it has built in OCR, can I use any scanner regardless of softwear included?
by TF Hutch
Sat Jan 12, 2013 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Get a Scanner!
Replies: 69
Views: 7039

Re: "Oblivious Investor" reaches 10,000 subscribers

New subscriber here, thank you Mike.

I spent a lifetime saving for retirement and I have just retired, 12/31/2012. I am in awe of the challenges ahead. Sold the house and 2 vehicles in New England and moved to FL. Have only a vague idea of what to do next. Looking for help, thanks again Mike.
by TF Hutch
Sat Jan 12, 2013 11:55 am
 
Forum: Investing - Theory, News & General
Topic: "Oblivious Investor" reaches 10,000 subscribers
Replies: 22
Views: 3588

Re: Trouble with using Vanguard website

It is a Cash Edge problem. If you update tomorrow you probably have the correct amounts.
by TF Hutch
Mon Dec 31, 2012 11:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trouble with using Vanguard website
Replies: 14
Views: 1478

Re: About to retire, Portfolio help requested.

Thank you sscritic, duplicate post deleted.
by TF Hutch
Fri Dec 07, 2012 9:33 am
 
Forum: Investing - Help with Personal Investments
Topic: About to retire, Portfolio help requested.
Replies: 2
Views: 393

About to retire, Portfolio help requested.

I sold my house and will be moving to FL (no state income tax) from MA and now my portfolio could use some help. As a result of the house sale my desired allocation has changed from a desired 40/59/1 stocks/bonds/cash to 18/26/56. 78% of portfolio is taxable. Could use suggestions on taxable bond al...
by TF Hutch
Fri Dec 07, 2012 6:26 am
 
Forum: Investing - Help with Personal Investments
Topic: About to retire, Portfolio help requested.
Replies: 2
Views: 393

Re: What's your favorite online source for news?

Flipboard on the iPad.
by TF Hutch
Fri Sep 21, 2012 7:48 am
 
Forum: Personal Consumer Issues
Topic: What's your favorite online source for news?
Replies: 39
Views: 3344

Re: % of your money in cash : bank deposit

I have 1 yr income in FDIC Bank Emergency Fund
by TF Hutch
Sun Aug 26, 2012 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: % of your money in cash : bank deposit
Replies: 35
Views: 4850

Re: Tax & math Question, sale of Primary residence

JDCPAEsq wrote:In calculating the tax, are you adding the gain on sale to your other income to determine the marginal tax caused by the sale?
John


No, just trying to determine Capital Gains tax on the house sale at this time.
by TF Hutch
Tue Aug 14, 2012 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax & math Question, sale of Primary residence
Replies: 9
Views: 1749

Re: Tax & math Question, sale of Primary residence

Thank you all, 20+% sounded to good to be true! :greedy

When I did the tax computation on Turbo Tax, it did not include any personal income. Only the home sale proceeds, does it matter? I think I will be taxed on capital gains, not increased personal income taxes (earned income), yes?
by TF Hutch
Tue Aug 14, 2012 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax & math Question, sale of Primary residence
Replies: 9
Views: 1749

Re: How should I allocate these additional funds?

OK guys, I know you eat this stuff for lunch. Just posted another thread on taxes and math re sale of primary residence. Perhaps you could chew on that for a minute while I try and comprehend what you all have replied here! Thank you all. Moderators; should I have posted both questions in the same t...
by TF Hutch
Tue Aug 14, 2012 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I allocate these additional funds?
Replies: 9
Views: 739

Tax & math Question, sale of Primary residence

I am attempting to determine the after tax net and rate of return on the sale of a primary residence of 36.5 years. $1,100,000 Sales Price $ 45,000 Cost basis $ 81,479 Improvements $ 24,650 Depreciation taken since May 6, 1996 (Home office deduction) When I plug it into Turbo Tax it comes up with: $...
by TF Hutch
Tue Aug 14, 2012 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax & math Question, sale of Primary residence
Replies: 9
Views: 1749

Re: How should I allocate these additional funds?

Livesoft, I am oblivious to tax implications, it has always been my thought not to pay more than required. Is there a formula to determine the after tax Bond yield ?
by TF Hutch
Tue Aug 14, 2012 2:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I allocate these additional funds?
Replies: 9
Views: 739

Re: How should I allocate these additional funds?

Thank you Dave. I have corrected the percentages, small changes. I am considering exchanging the MA Tax Exempt for the Vanguard Tax Free fund after moving to FL. Thank you for the WIKI info on tax implications, I am going to look that up. I appreciate the time you took to help me out. The question o...
by TF Hutch
Mon Aug 13, 2012 6:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I allocate these additional funds?
Replies: 9
Views: 739

How should I allocate these additional funds?

I have a signed Purchase and Sales agreement to sell my primary residence for about the same amount as my current portfolio value. (six figures) I am retiring after the sale, I will be moving to a second home in FL which is paid off. I have no more tax advantaged space. What to do with MA Tax Exempt...
by TF Hutch
Sun Aug 12, 2012 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: How should I allocate these additional funds?
Replies: 9
Views: 739

Re: Thank You Bogleheads

I would really like to thank Jack Bogle, all the Bogelheads, moderators and Talor Larimore in particular. I am attempting to give back what I have learned on this Forum to other Bogleheads. It is comforting to know that if I screw it up others more knowlegible than I are quick to respond without ran...
by TF Hutch
Thu Aug 09, 2012 2:16 am
 
Forum: Forum Issues and Administration
Topic: Thank You Bogleheads
Replies: 11
Views: 1688

Re: Good reminder regarding online security

Here are ten 2012 reviews for password manager softwear. http://password-management-software-review.toptenreviews.com/ If RoboForm is number 1 then this stuff has a long way to go, in my opinion. I really would like to have a conservation regarding on line security with those who know what they are ...
by TF Hutch
Tue Aug 07, 2012 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Good reminder regarding online security
Replies: 20
Views: 3471

Re: Good reminder regarding online security

I am trying Roboform for free with 30 day trial. http://www.roboform.com/everywhere
So far I'm not happy with my login info on the cloud.
by TF Hutch
Tue Aug 07, 2012 6:00 pm
 
Forum: Personal Consumer Issues
Topic: Good reminder regarding online security
Replies: 20
Views: 3471

Re: Newbie question about starting an emergency fund....

KISS - (Keep it Simple Stupid) :D Emergency Fund : Roth IRA To start your Emergency Fund, save up to $5000 a year in a Roth IRA. Contributions (not gains) may be removed, tax free, at any age, without penalty. US Government debt (Treasuries) or FDIC insured deposits would be appropriate here. Additi...
by TF Hutch
Tue Aug 07, 2012 5:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newbie question about starting an emergency fund....
Replies: 14
Views: 872

Re: Credit Score and Credit Card Question

No
The objective is to have no debt. Increase savings.
Continue reading the Wiki.

This stuff is not rocket science.
by TF Hutch
Sun Aug 05, 2012 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit Score and Credit Card Question
Replies: 43
Views: 3973

Re: financial advisor's portfolio for me..........yes or no?

Net Worth = Assets (savings) - Liabilities (debts)
The objective is to create a large positive Net Worth as quickly as possible.

Pay down the debt (6.8%) after maximizing tax differd space.
by TF Hutch
Fri Aug 03, 2012 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: financial advisor's portfolio for me..........yes or no?
Replies: 37
Views: 2997

Re: Do you include cash in your asset allocation?

Absolutly - if your talking about Net Worth.

Different Asset Allocations: retirement, education, downpayment, may or may not contain cash.
by TF Hutch
Fri Aug 03, 2012 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you include cash in your asset allocation?
Replies: 50
Views: 4131

Re: Another E Fund Question/Scenario

Suggest 2 years FDIC insured E fund, less (your Roth IRA + Wife Roth IRA). Roth IRA contributions may be withdrawn at any age without penalty if necessary. Then max out any tax differed savings options you may have, 401K etc. The tax differed options expire each year, use it or loose it. Welcome to ...
by TF Hutch
Wed Aug 01, 2012 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another E Fund Question/Scenario
Replies: 6
Views: 610

Re: Need advice/direction On in-laws Estate!!

Thank you all. Special thanks to birdy for starting this topic. I am in a similar situation with my 95 year old father who lives in Florida. I am selling my house and giving up my business up north to be near him, family first has been my guiding principal so far. With this thread and all of the inf...
by TF Hutch
Mon Jul 30, 2012 10:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice/direction On in-laws Estate!!
Replies: 32
Views: 2343

Re: Is Treasury Direct so bad that I should no longer….

Google is the worst for loading up my computer with unwanted "cookies." I choose to delete all cookies after every online session. For those who choose to delete "cookies" you will have to go through the email 1 time password each time you log on to Treasury Direct. Vanguard, my ...
by TF Hutch
Sun Jul 29, 2012 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct so bad that I should no longer….
Replies: 39
Views: 5733

Re: Stream Olympics without cable?

I find NBC streaming ipad app to be horrible. Perhaps in 4 more years they may get it right.
by TF Hutch
Sun Jul 29, 2012 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Stream Olympics without cable?
Replies: 39
Views: 5902

Re: Do Bogleheads use emergency funds to buy new cars with?

I have a seperate Ally FDIC Insured accounts for: estimated tax liability and emergency fund. After selling my home (P&S signed) I will add an additional FDIC account for new home. Currently own three clunkers, 92 Carolla with 50K miles; 97 Tacoma, 250K miles; 97 Grand Cherokee, 150K miles. Car ...
by TF Hutch
Sun Jul 29, 2012 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do Bogleheads use emergency funds to buy new cars with?
Replies: 36
Views: 3799

Re: Vanguard Rep asked security question

Am I the only one without an "Account Represetitive"? I certainly don't want one.
by TF Hutch
Thu Jul 12, 2012 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Rep asked security question
Replies: 70
Views: 7487

Re: Attitudes toward Investing: Has yours changed?

Absolutly.

Nearing retirement I am now comfortable with my IPS and Asset Allocation. Set and forget. Investing is boring.

I find myself much more interested in watching the slow motion train wreck going on in Europe, coming soon to a country near you !
by TF Hutch
Thu Jul 12, 2012 11:13 pm
 
Forum: Investing - Theory, News & General
Topic: Attitudes toward Investing: Has yours changed?
Replies: 26
Views: 2073

Re: Education advice from Boglehead pilots?

AOPA, AIrcraft Owners and Pilot Association would be a wonderful source of information. Great information from student pilot to professional pilots in General Aviation. AOPA.org is the web address. They want you to join but there is a lot of free information on the site.
by TF Hutch
Thu Jul 12, 2012 10:48 pm
 
Forum: Personal Consumer Issues
Topic: Education advice from Boglehead pilots?
Replies: 11
Views: 1136

Re: [POLL] How many miles on your car?

93 Carolla 45K
97 Tacoma 210K
97 Jeep Grand Cherokee 153K

I'd rather have a root canal then buy a car!
by TF Hutch
Sun Apr 01, 2012 2:53 pm
 
Forum: Personal Consumer Issues
Topic: [POLL] How many miles on your car?
Replies: 141
Views: 6713

Re: Watch out for 'gray' credit card charges!

I use a Bank of America "Shop safe" account number which is good for one transaction and I set the time limit, usually one month. Citi has a similar feature.
by TF Hutch
Sun Apr 01, 2012 2:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Watch out for 'gray' credit card charges!
Replies: 8
Views: 1440

Re: Intuit Releases Lion-Compatible Quicken 2007 for Mac

My Dad purchased a new Mac Book Pro with Mac OSX Lion just to be able to continue using the 2007 Quicken for Lion. Mac OSX Lion is really horrible and the new computer is going back to Apple tomorrow. He will continue using the original Quicken 2007 on his 6 year old Mac Powerbook until Quicken no l...
by TF Hutch
Sun Apr 01, 2012 11:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Intuit Releases Lion-Compatible Quicken 2007 for Mac
Replies: 7
Views: 617
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