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Re: How to anticipate yearly cost for paid-off home

It's hard to predict these costs. For example, you may have an association fee, or you may not. Repairs and maintenance on an older home can be much more than on a newer one. Winter heating cost is greatly dependent on insulation and windows. Wood siding needs to be painted, vinyl siding does not. H...
by jsl11
Fri Nov 28, 2014 12:14 am
 
Forum: Personal Finance (Not Investing)
Topic: How to anticipate yearly cost for paid-off home
Replies: 7
Views: 1077

Re: Safe Withdrawal Rates - Is the 4% rule still good?

Is there really anyone who thinks when they actually get to retirement they can spend a level 4% and nothing bad can happen? IOW there seems some element of knocking over a straw man in criticizing 'safe withdrawal rate' when it comes to all but the most naive investors. I would suggest that the te...
by jsl11
Thu Nov 27, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Safe Withdrawal Rates - Is the 4% rule still good?
Replies: 67
Views: 5340

Re: Valuation of EE Savings Bonds

By the way, as an interesting side note, at least to me, but maybe no one else, E bonds when they first came out in something like 1939, were called, or maybe it was the law title, was something like "retirement savings bonds." The idea was that you could buy the bonds hold them for up to...
by jsl11
Wed Nov 26, 2014 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: Valuation of EE Savings Bonds
Replies: 43
Views: 2574

Re: Physician Assistant - Employee or Independent Contractor

Raymond wrote:Looking at this link (INDEPENDENT CONTRACTOR TEST - INTERNAL REVENUE SERVICE) I think my situation does not pass the test.

It seems you have answered your own question.
by jsl11
Wed Nov 26, 2014 2:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Physician Assistant - Employee or Independent Contractor?
Replies: 25
Views: 2141

Re: CapitalOne360 won't give me an ATM-only card?

My bank offers an ATM only card, but they charge $1 per month for that where there is no charge for the debit card. I asked for the ATM only card, and asked them to waive the charge. Much to my surprise, they agreed.
by jsl11
Tue Nov 25, 2014 7:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: CapitalOne360 won't give me an ATM-only card?
Replies: 22
Views: 1833

Re: Fidelity vs Scottrade

You do know that you can make non-Vanguard investments at Vanguard too, yes?
by jsl11
Mon Nov 24, 2014 1:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity vs Scottrade
Replies: 14
Views: 961

Re: I Bond Refund Tax Year 2014 $5K Per Return

The tax refund method is the only way to get paper I bonds. All the other purchases must be electronic through Treasury Direct.
Jeff
by jsl11
Sun Nov 23, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: I Bond Refund Tax Year 2014 $5K Per Return
Replies: 11
Views: 1079

Re: 23 year old... Can I afford a Rolex?

I would not feel safe walking around with $5000 on my wrist. I would rather not be a target.
by jsl11
Sat Nov 22, 2014 11:07 pm
 
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 11403

Re: best bank for online billpay

From what I have read, some banks take the money out of your account when you write a bill pay check. Others wait until the check clears. You want the second type.
by jsl11
Sat Nov 22, 2014 1:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: best bank for online billpay
Replies: 23
Views: 1781

Re: What to do with $76000 IRA Rollover

If going in all at once is not comfortable for you, you could put in half now, and the balance over the next month or two.
Jeff
by jsl11
Fri Nov 21, 2014 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with $76000 IRA Rollover
Replies: 10
Views: 1320

Re: Need Income - Wellesley Income or Wellington Fund

You might want to think in terms of "total return" rather than "income". A dollar that is withdrawn can be spent just as easily as a dollar of dividends. The fund that "returns" the most dollars is what you want rather than the one that yields the most dollars. Yield co...
by jsl11
Wed Nov 19, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Income - Wellesley Income or Wellington Fund
Replies: 22
Views: 2818

Re: What to prepare for first baby due next month?

Select a pediatrician before the baby is born. If there are complications, pediatric medical care may be needed immediately. In addition to life insurance, revise your wills to name someone to care for your children if you are not around. See an attorney to arrange a trust to manage life insurance p...
by jsl11
Wed Nov 19, 2014 3:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to prepare for first baby due next month?
Replies: 55
Views: 2753

Re: Poll: Net cost of your checking account annually?

My bank used to pay me 5 cents for each direct deposit and each bill-pay check written. However, when interest rates dropped, they discontinued that program.
by jsl11
Wed Nov 19, 2014 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 2266

Re: Where to buy jewelry/gems?

Costco has low prices on jewelry. I would trust them to describe items accurately.
by jsl11
Tue Nov 18, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Where to buy jewelry/gems?
Replies: 5
Views: 998

Re: Buying a lasting vehicle

In that price range, I would buy a new Toyota or Honda. You should be able to get a better deal on a 2014 model. I recently saw a 2014.5 Camry advertised at less than 20K. Get the model that fits your needs. The Camry and Accord are excellent choices.
Jeff
by jsl11
Tue Nov 18, 2014 7:32 pm
 
Forum: Personal Consumer Issues
Topic: Buying a lasting vehicle
Replies: 33
Views: 4259

Re: Fund expense

If you are getting advisory service, you can be pretty sure you are paying for it somewhere.
by jsl11
Mon Nov 17, 2014 4:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund expense
Replies: 4
Views: 244

Re: Fund expense

What is PAS?
by jsl11
Mon Nov 17, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fund expense
Replies: 4
Views: 244

Re: Stores with $1 gift cards/certifcates?

You could give a $1 bill. It's good anywhere.
by jsl11
Mon Nov 17, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Stores with $1 gift cards/certifcates?
Replies: 3
Views: 472

Re: is 3.20% Vanguard brokered CD best deal around?

Just because the 7 year CD you bought worked out fine for you, it does not mean the 10 year available now will have the same result. During the last 7 years, interest rates have come down. During the next 10 years, we don't know what rates will do. But there is little room for them to drop much fur...
by jsl11
Sun Nov 16, 2014 2:08 am
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4324

Re: is 3.20% Vanguard brokered CD best deal around?

Just because the 7 year CD you bought worked out fine for you, it does not mean the 10 year available now will have the same result. During the last 7 years, interest rates have come down. During the next 10 years, we don't know what rates will do. But there is little room for them to drop much furt...
by jsl11
Sat Nov 15, 2014 10:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4324

Re: Landlord wants us to sign an entirely new contract!

There will come a time when you want to move out of that property. Would you like to be able to get your security deposit returned without a fight? Remember, some people don't get mad, they get even instead. Since it was an honest mistake, I suggest you should not hold them to the wrong contract. Jeff
by jsl11
Fri Nov 14, 2014 8:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Landlord wants us to sign an entirely new contract!
Replies: 51
Views: 5859

Re: Taxation of fund dividends

Bond interest paid out by a mutual fund is called "dividends".
Jeff
by jsl11
Fri Nov 14, 2014 12:02 pm
 
Forum: Investing - Theory, News & General
Topic: Taxation of fund dividends
Replies: 3
Views: 435

Re: Vanguard web site changes

Jeff, you could try this: Make a note of the entries you want in your list. Then delete your current list completely, and start a brand new list with the entries you've noted. That's what I did, and it worked for me. John, Thanks for the suggestion. So far, I cannot even delete one entry, so I don'...
by jsl11
Thu Nov 13, 2014 3:11 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 6909

Re: Vanguard Capital Gains

Aren't some of the distributions pro-rated ? That is, if I own 1 share for 1 day rather than for the complete year. thanks At Vanguard, monthly bond fund dividends work this way. Capital gains and other dividends are paid in full on the distribution date to whomever owns the shares. Jeff One could ...
by jsl11
Thu Nov 13, 2014 1:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2581

Re: Vanguard Capital Gains

Aren't some of the distributions pro-rated ? That is, if I own 1 share for 1 day rather than for the complete year. thanks At Vanguard, monthly bond fund dividends work this way. Capital gains and other dividends are paid in full on the distribution date to whomever owns the shares. Jeff One could ...
by jsl11
Thu Nov 13, 2014 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2581

Re: Vanguard Capital Gains

Hexdump wrote:Aren't some of the distributions pro-rated ? That is, if I own 1 share for 1 day rather than for the complete year.

thanks

At Vanguard, monthly bond fund dividends work this way. Capital gains and other dividends are paid in full on the distribution date to whomever owns the shares.
Jeff
by jsl11
Thu Nov 13, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2581

Re: Vanguard web site changes

. Jsl11, It should be working. I was able to change list this morning and Dutchgirl changed hers. Be sure to select/click "Submit" button on bottom right side after making changes. If still not working, verify that you allow Vanguard to set/change cookies. If that does not work, maybe som...
by jsl11
Thu Nov 13, 2014 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 6909

Re: Vanguard web site changes

6. If still does not look right, your cookies may have gotten cleared and you might need to select/click on "Edit this information" to reset which funds to display. I have tried to make changes to this list. The list is basically correct, but I want to delete one entry and add two others....
by jsl11
Thu Nov 13, 2014 12:22 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 6909

Re: Vanguard Capital Gains

You really don't need capital gains; you apparently need money. Simply sell some shares to get money. That will realize capital gains or capital losses and some money to transfer to your checking account. True. However, I'm happier to be in a situation where I can take these cap gains as opposed to...
by jsl11
Wed Nov 12, 2014 9:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2581

Re: How to move UTMA from Edward Jones?

Edward Jones may charge you a fee to close the accounts. Since the accounts are in the children's names, and the amounts are small, there should be no taxes involved. The smallest mutual fund account you can have at Vanguard is $1000. If either account is below this, you could add enough to make up ...
by jsl11
Wed Nov 12, 2014 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to move UTMA from Edward Jones?
Replies: 3
Views: 252

Re: How do you track the value of your illiquid assets ?

In my area, the county assesses the value of real estate for tax purposes. The assessed values are public record and are available on the net at the county's web site. Their values may not be exactly correct, but they are close enough for the purposes you describe. I can easily look up the assessed ...
by jsl11
Wed Nov 12, 2014 2:02 am
 
Forum: Personal Finance (Not Investing)
Topic: How do you track the value of your illiquid assets ?
Replies: 50
Views: 2702

Re: Boglehead family vacations

Washington DC is a great place to take kids on a vacation. There are lots of interesting things to see, and many of them have no cost. Perhaps it would coincide with the cherry blossoms.
Jeff
by jsl11
Tue Nov 11, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Boglehead family vacations
Replies: 44
Views: 3757

Re: EE savings bonds for retirement

The problem with this strategy is: What do you do if intermediate interest rates go up to 6% or so, after 10 or 12 years? You have two bad choices: 1. Continue to hold to 20 years to get 3.53 while you could be earning 6% 2. Cash out early, and then get .1% for all the years you have already held t...
by jsl11
Tue Nov 11, 2014 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2184

Re: Vanguard Capital Gains

Newinvest wrote:
jsl11 wrote:If you own the shares on the ex-dividend date, you get the dividend.
Jeff


Hi Jeff,

Do you mean dividend only or also capital gains?

Thanks

It applies to all distributions. This is for stock funds. Most Vanguard bond funds work differently.
Jeff
by jsl11
Tue Nov 11, 2014 7:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2581

Re: Vanguard Capital Gains

If you own the shares on the ex-dividend date, you get the dividend.
Jeff
by jsl11
Tue Nov 11, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2581

Re: EE savings bonds for retirement

this is exactly right, EE bonds right now only make sense if you are holding for exactly 20 years, after that you will get very tiny return of that doubled money, I think if you want to build the annuity like I am, you should invest them for 20 years and then redeem and invest for last 10 years in ...
by jsl11
Tue Nov 11, 2014 7:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2184

Re: EE savings bonds for retirement

The problem with EE bonds is that you need to hold them for exactly 20 years to get the good rate. If conditions change and you want to invest in something better, you will get a very low rate all the way up to 19 years and 11 months. Also, if you want to hold them beyond 20 years, the rate may be l...
by jsl11
Tue Nov 11, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2184

Re: PIMCO Total Return Fund-PTTDX

I had the Harbor Bond Fund, a no-load clone of PIMCO total return. I sold it and bought a Vanguard fund.
Jeff
by jsl11
Mon Nov 10, 2014 9:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: PIMCO Total Return Fund-PTTDX
Replies: 10
Views: 1029

Re: What if....?

I would check to see if it is necessary to rebalance my allocation to equities/fixed income.
Jeff
by jsl11
Mon Nov 10, 2014 5:00 pm
 
Forum: Personal Consumer Issues
Topic: What if your investable assets rise significantly?
Replies: 19
Views: 2106

Re: best way to move assets from brokerage to Vanguard?

There are two ways to do this. The first is to have your Vanguard funds at your current broker. The second would be to move the money to Vanguard and hold the funds there. The choice would depend on costs, convenience, and how you feel about your current broker. If you decide to move the money to Va...
by jsl11
Mon Nov 10, 2014 4:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: best way to move assets from brokerage to Vanguard?
Replies: 7
Views: 398

Re: Buying Furniture

It is not only what you buy, but where you buy it. The last time we bought furniture, we found a good furniture store in a small town in a very rural area. The prices were about 20% lower than in the city. That included free delivery to our house. When we had a problem, they could not have been more...
by jsl11
Mon Nov 10, 2014 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Buying Furniture
Replies: 27
Views: 1936

Re: Is active fund management an industrial sized rip off?

Vanguard has some excellent managed funds. While the costs are usually not quite as low as their index counterparts, they are still quite reasonable. I have had some excellent results from some Vanguard managed funds. Also, it is quite common to see Boglehead recommendations for Wellsley and Welling...
by jsl11
Sat Nov 08, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: Is active fund management an industrial sized rip off?
Replies: 4
Views: 750

Re: Should I claim this damage

I would not worry about using an independent body shop. There were two times I used dealer body shops and, both times, I felt that they had cheated me on the parts (different dealers). I would suggest using a good independent shop.
by jsl11
Sat Nov 08, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: Should I claim this damage
Replies: 26
Views: 3407

Re: Bunk Bed: question and recommendation

Costco.com has 40 different models in a range of prices: http://www.costco.com/CatalogSearch?storeId=10301&catalogId=10701&langId=-1&refine=30179&keyword=Bunk+Beds In my experience, you can get good quality and good value at Costco. Disclaimer: My only connection with Costco is as a ...
by jsl11
Fri Nov 07, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: Bunk Bed: question and recommendation
Replies: 7
Views: 749

Re: "Easy" social security question...

Another complication occurs at age 70.5 when you must start RMD withdrawals. This may push you into a higher tax bracket and make you pay more taxes on the SS. If you start SS earlier, you can escape the higher taxes for up to 8 years.
by jsl11
Fri Nov 07, 2014 9:54 am
 
Forum: Personal Finance (Not Investing)
Topic: "Easy" social security question...
Replies: 50
Views: 3936

Re: Merc or BMW?

randomguy wrote: If quality is a major concern, it is pretty much Lexus and then everyone else.

This.
In addition, repairs and even routine maintenance for Merc and BMW can be very expensive.
by jsl11
Fri Nov 07, 2014 7:59 am
 
Forum: Personal Consumer Issues
Topic: Merc or BMW?
Replies: 60
Views: 6837

Re: NE Ohio (Cleveland Area) Master Thread

CyberBob wrote:I unfortunately missed the last meeting, so when is the next one?

December 13 at the North Royalton Library.
by jsl11
Fri Nov 07, 2014 12:36 am
 
Forum: Local Chapters and Bogleheads Community
Topic: NE Ohio (Cleveland Area) Master Thread
Replies: 29
Views: 3345

Re: Help on personal (not retirement) investing

Based on what I read in wiki and these forums, I should invest in ETF and once I decide allocations I can use/create Rick Ferri Core Four portfolio.... Though I’d love to do Day trading and earn more, I’m not quite yet knowledgeable in the stock market area. My suggestion is to forget about day tra...
by jsl11
Thu Nov 06, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Help on personal (not retirement) investing
Replies: 13
Views: 1126

Re: Selling to take LTCG, no wash?

If you have any carry over losses, those losses must be used to offset any gains, even if the gains would not be taxed otherwise.
Jeff
by jsl11
Wed Nov 05, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling to take LTCG, no wash?
Replies: 8
Views: 549

Re: Total BOND Funds/CDs or TIP bond ladder?

I would be reluctant to buy any longer term bond with interest rates this low. I would prefer to stay with instruments with duration no longer than 4 or 5 years. When you get to 70, you can re-evaluate that situation.
Jeff
by jsl11
Wed Nov 05, 2014 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total BOND Funds/CDs or TIP bond ladder?
Replies: 10
Views: 1121
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