Bogleheads.org

Are there any pros or cons in selling the all the restricted stock and taking the short term capital gains tax hit on the $3000 vs keeping the stock options longer and divesting closer to the expiration date?

Deleted

last year we did the tubbing in frisco. any experience w/ the dog sledding tours and if so appropriate for a 3.5 yo? she would be of age to participate.

@flobes: thanks the the tips. we basically duct tape a water bottle once we clear customs.

thanks for suggestions already provided.

Any recommendations of things to do with a 3.5 and 5 year old skiers while in Breckenridge. They will spend lot of time in ski school, just looking for ideas outside ski school, be either w/ or w/o skis on.

Thanks and happy skiing

Like others we have Wellesley in taxable just because we have had it for a while. Currently we hold 1/3 in Wellesley, 1/3 Consumer Staples ETF (VDC), and 1/3 in cash. Comes out to roughly a 50/50 split invested in a conservative and defensive manner. Figure people are not going to stop eating, drink...

One way a parent prepares a child for later success and simultaneously supports the teacher is by being enthusiastic about school. What did you do at school? Really, that sounds very interesting. Did you get to do it yourself? You can help your child learn to love learning no matter where it occurs...

In a taxable account account is it more tax efficient to put money in the Tax-Managed Balance Fund or create ones own via use of the 50% Total Stock Market or 500 S&P and 50% Intermediate Tax-Exempt Fund? Aloso, is there a $ amount that it would make a difference for using one version or another...

Out of curiousity, does anyone know if you get any sort of benefits, i.e. discounts, occasional coupons, etc., for being a stock holder if one uses any of the resort and/or service they own? Purpose of even thinking of investing in this stock (~$500 play money) is to get a discount on tickets, class...

Somewhere in the range of the following.

25% TSM
15% TI
10% REIT

25% TB
15% TIP

Well I have 1.4 m in taxable 600k in equities and 800K in short and intermediate muni funds. I also have a year of withdrawals in a savings account. I also have 1.8 m in retirement accounts At 2.5% w/d rate should give ~80k/yr for 40yrs. Throw in kids(?), house(?), significant other (?), insurance ...

went there for our honeymoon, would not go again. as some have stated, venturing outside resort is blah and dicey at best. brother had to go there a lot for business and i never heard him say anything good about his trips and he was usually stayed at some posh hotels.

go somewhere else.

... I feel more and more that Taylor Larimore is profoundly right in his posting on Safe Withdrawal Rates ? Complexity vs. Simplicity : " We simply withdrew what we needed and kept an eye on our portfolio balance. Most years our balance went up and we spent the money on vacations, luxuries and...

Not in taxable, REITs are very tax ineffecient

Read the Wiki about placements here http://www.bogleheads.org/wiki/Principl ... _Placement

The value of Facebook CEO Mark Zuckerberg's stake in the company he founded has plunged $7.2 billion since its initial public offering. Zuckerberg was worth $19.1 billion, based on the IPO price of $38 a share back in May. He sold 30 million shares on the stock's debut day in order to raise cash to...

If one was using the short or limited term bond find in taxable in lieu of say cd ladder or similar, would this new short term tip fund be a good choice to use instead of say the limited or short term bond fund given what it invest in?

Thanks didn't see that.

Moderators can delete or lock if need be.

https://personal.vanguard.com/us/insights/article/fund-announcement-07242012 If one was using the short or limited term bond find in taxable in lieu of say cd ladder or similar, would this new short term tip fund be a good choice to use instead of say the limited or short term bond fund given what i...

We have it set with 2/3 intermediate bond, 1/3 tip.

Intermediate bond is split 50/50 corp and non-corp. this way we have 1/3 of bond allocation in each of the different major bond worlds.

Your format:
Age: just about right
35% Aggregate US Equities (sans REIT)
10% Aggregate US REIT
15% Aggregate Intl Equities (sans REIT)
0% Aggregate Intl REIT
25% Aggregate Nominal Bonds
15% Aggregate Inflation Bonds
0% Any Sector or Commodity plays

You can use the money to pay for things that you, as a parent, are not required to pay for. In other words, you can't fund a UGMA, get the tax break, and then use the money to buy groceries for your child. Keith - I could be wrong, but that is not my understanding. It is my understanding that the p...

I opened a UGTMA for my child for college funding That's the wrong way to think about a UTMA, as you discovered. A UTMA is to hold your child's money. You can't force your child at 18 to spend it on college. You should think of a UTMA as one way a child can hold and invest his money until age 18 wi...

Child (Sole) — This option grants your child sole access to make deposits and withdrawals as well as the option to have an ATM Card. Wells Fargo Online® Banking access is available when your child reaches age 13. long way until they turn 18, but sure it will come to quickly for all reason beyond th...

thanks to all for the input/comments. seems like for tax purposes at the moment doing a ugma/utma has created more issues than not. since in our case this money is not earmarked per-say specifically for college that is not an issue now. I'm sure b/w now and the time they go to college or not, sure f...

We have been doing some reading on these types of accounts, but we're curious what experiences people have had, bad or good in creating them, whys and why nots etc. Kids are 4 and 3. We already have 529 for both and contribute money to them. We both believe that any money aside from what is earmarke...

bonds outside of the tax-exempt realm in a taxable account is not tax efficient. something to consider. why not a tax-exempt type of fund? vanguard short or intermediate tax exempt bond fund for example. if etf's is more what you are looking for and have a fidelity account you can invest into MUB (I...

if the tax break, cuts, exemptions, or whatever you may want to call them expire, will the strategy of putting money in tax-exempt bond funds for higher income earners change? if it does change how should one invest in taxable accounts to minimize the tax hit, what types of investments should one th...

if in 2013 the tax laws change how will this affect tax exempt bond funds held in taxable accounts? and if the tax laws change will it change the strategy of holding tax exempt bond funds in general? salud :beer *please don't politicize, just curious as an investor of tax exempt bond funds in the ta...

umfundi wrote:

It will fluctuate.

Yes, but how?

up or down, either way who cares. tomorrow is friday and the weekend will be upon us.

salud

circa 1997 after getting my first 'real' paycheck an d reading investing for dummies by eric tyson and the millionaire next door by Thomas j Stanley, I plopped my first automatic investment in the AARP Growth and Income fund and if memory serves me right was a balanced type fund of those days. Every...

this could be seen as market timing and using past data to make any sort of changes to ones portfolio, but found this article http://seekingalpha.com/article/261280-use-april-strength-to-rebalance-your-portfolio stating december was the best time rebalance followed by april. didn't find any info to ...

1) Is there a particular time of the year (month/s, season) you seriously sit down and crunch #'s and look at your portfolio to rebalance, be it to check if % are off from allocated threshold or because it's that time of year? 2) is there a reason for why a particular month(s) or season, if any? Sa...

1) Is there a particular time of the year (month/s, season) you seriously sit down and crunch #'s and look at your portfolio to rebalance, be it to check if % are off from allocated threshold or because it's that time of year? 2) is there a reason for why a particular month(s) or season, if any? Sal...

there methodology is based on the following books/papers as listed on there website. https://www.futureadvisor.com/methodology also, once you create an account they list the following in there methodology for asset allocation: References and Citations: The recommended portfolio for each risk toleran...

As others have said here about Wellington (and about Wellesley on that thread), you have to pay attention to the holdings and goals of the fund itself. Also and more important, does it fit into you goals. Personally we hold both funds in our entire portfolio, but the combined holdings of both funds ...

thanks will look into it.

salud

if one doesn't have the immediate cash to max out in i-bonds, is there any downside to set up an automatic investment to purchase them?

or would it be better to park the money somewhere else and make lump sum type of purchases?

thanks

There are no joint accounts. You have an account. Your account can hold bonds in your own name; your account can hold bonds in your name with a beneficiary; your account can hold bonds in your name with a second name. The account is your sole account. Your spouse can have an account as well; that a...

Starting to look at the possibilities of investing in i-bonds and have several questions that i could not get a clear cut answer on treasury direct. Hoping some you w/ vast experience dealing w/ i-bonds, especially online treasury direct can shed some light. 1) If i open an account for me w/ $10k an...

ObliviousInvestor wrote:

nisiprius wrote:But then I started to wonder how he knows how the calculated the performance of a 30%-TIPS portfolio since 1926.

I miss the chuckling smiley for situations like this...

or the entire article. still shaking my head and rolling my eyes.

Got an email from Vanguard announcing updates to prospectus to several mutual funds. Is there a way to tell what changes have been made or a place on Vanguard site that specifically delineates the changes made to a mutual funds prospectus w/o having to do a side by side comparison w/ an older prospe...

Smartmoney article: "Why a 'Balanced' Portfolio May Not Work - Arends: That 60/40 portfolio of stocks and bonds your adviser is pushing might not work." http://www.smartmoney.com/invest/strategies/why-a-balanced-portfolio-may-not-work-1337101197387/ I like ~60/40, currently hold ~60/40, wi...

STRONG RECOMMENDATION - Toro. Not sure model but self propelled walking mower with 190 cc engine. Simple mower without any gadgets. Very reliable. Always starts on first pull (except first start after winter takes two or three pulls). Have had for 4 years. Only drawback is small bag for clippings. ...

If less than 95 percent of the federally tax-exempt interest dividend from a mutual fund came from bonds issued by Minnesota, all of the federally tax-exempt interest dividend from that fund must be included on line 2. By the way, isn't your state tax rate 7.85% vs. 7.95%? Read that on a different ...

. You have to identify a Vanguard national fund with equivalent duration and quality and AMT vulnerability The original poster didn't state whether the duration and quality he found in the state muni fund was the duration and quality he sought. Suppose the poster wanted a shorter duration, and the ...

This would be in taxable accounts. We are in the 30%+ tax rate and ourstate tax for 2012 is 7.95% (MN) before any deductions and such. So by comparison a tax exempt is better option in the national arena regarding duration, quality, etc. AMT is an issue so that is a plus for the national vanguard mu...

Vanguard doesn't offer a muni fund for our state. Upon doing some research the only ntf offered all hoover around .8% fee range. Maturity rate is in the intermediate range. If one is in a high tax state or that has state taxes at all, a what point is it prudent to look at the possibility to invest i...

After much deliberation we switch from tbm/tip 50/50 split and we landed on the 50/50 split between intermediate index and tips. Reason being with the intermediate you get a lot tile more expose to corporate bond world, roughly 50/50 split govt to corp vs the total bond that is more in the 70/30 ran...

thanks for the reply. i took a look at the other vanguard national municipal bond universe, limited, short, and long, and for the most part give or take a few % points, the sector weightings were pretty much close to each other. being index funds in there respective category makes sense. Re the rang...

Is there a bond fund equivalent in the sense that it invest in an all around type of way as the Total Bond Market type fund does, but in the tax exempt bond world?

Or does one have to create one up using individual bond of different favors to do so?

Thanks

sanfran2012 wrote:

dratkinson wrote: You will need to evaluate your AMT case.

how do i do this?

get a good tax person.