Search found 1098 matches

by 1210sda
Thu Mar 23, 2017 7:13 am
Forum: Personal Finance (Not Investing)
Topic: Living Trust - Death of grantor/trustee
Replies: 18
Views: 1193

Re: Living Trust - Death of grantor/trustee

there are two tax returns: January 1 to date of death for the person, and day after date of death to December 31 for the irrevocable trust. The two tax returns are similar, but the first is on Form 1040, while the second is on Form 1041 (for which I paid a tax preparer). 1. I assume the 1041's cont...
by 1210sda
Fri Mar 17, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 959

Re: Need to Re-invest part of RMD in bond fund. Muni or Not ??

I am fully in the 85%. I guess you are saying that I would be better off with muni's? Sort of. From previous responses, it appears that you have some equities in tax-deferred. I think a solid default is to continue to take RMDs from the equity side (only), and continue pushing excess RMDs to equiti...
by 1210sda
Fri Mar 17, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 959

Re: Need to Re-invest part of RMD in bond fund. Muni or Not ??

1210sda wrote:Thank you House Blend.

I am fully in the 85%. I guess you are saying that I would be better off with muni's?

Qualified dividends sure do help. (Use the 3 fund portfolio, over 75% of my divs are qualified)

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by 1210sda
Fri Mar 17, 2017 11:04 am
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 959

Re: Need to Re-invest part of RMD in bond fund. Muni or Not ??

Thank you House Blend.

I am fully in the 85%. I guess you are saying that I would be better off with muni's?

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by 1210sda
Fri Mar 17, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 959

Re: Need to Re-invest part of RMD in bond fund. Muni or Not ??

What is your tax bracket? My rule of thumb is that munis are break-even with taxable bonds of comparable risk at 25% tax rate Therefore, I would prefer taxable bonds unless you are in a 28% bracket, or are in a 25% bracket and Vanguard has a fund for your state/ Muni income is counted as income for...
by 1210sda
Thu Mar 16, 2017 11:13 am
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 959

Re: Need to Re-invest part of RMD in bond fund. Muni or Not ??

Asset location guidelines are to put equities in taxable and fixed income in tax advantaged. But, this will make my equities exceed my targeted asset allocation Do you have any equities in tax-advantaged? If so you might be able to sell enough of those and buy FI to maintain your AA even after buyi...
by 1210sda
Thu Mar 16, 2017 10:51 am
Forum: Personal Finance (Not Investing)
Topic: Need to Re-invest part of RMD in bond fund. Muni or Not ??
Replies: 18
Views: 959

Need to Re-invest part of RMD in bond fund. Muni or Not ??

Planning for next year. Due to RMD, Social Security benefits and dividends/interest, my cash flow for 2018 will exceed my needs. I will be investing the excess in my taxable account. Asset location guidelines are to put equities in taxable and fixed income in tax advantaged. But, this will make my e...
by 1210sda
Mon Mar 06, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: The Ultimate Guide to Safe Withdrawal Rates: A 2000-2016 case study
Replies: 31
Views: 4265

Re: The Ultimate Guide to Safe Withdrawal Rates: A 2000-2016 case study

Agree with the several posters.....the 4% is a "guide", not a "rule". It is primarily for planning during your accumulation period. But as a guide, I find it to be a pretty good guide. Before I reached the distribution phase in retirement, I used the 4% wr to build a target portf...
by 1210sda
Sun Mar 05, 2017 8:52 am
Forum: Personal Consumer Issues
Topic: For Travel package...Expedia, Orbitz, or Travelocity?
Replies: 14
Views: 1267

For Travel package...Expedia, Orbitz, or Travelocity?

Planning a trip where I would need hotel, air and a rent car.

Which travel service have you found to be better (i.e. less expensive).

Is it always a better deal to do a package? Might separate be better sometimes? (Southwest Air)

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by 1210sda
Mon Feb 27, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Money Market Question
Replies: 19
Views: 1762

Re: Vanguary Money Market Question

Check out the minimum investment requirement.....

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by 1210sda
Fri Feb 24, 2017 11:05 am
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 64
Views: 10403

Re: anguard opens special offices for $1 million clients

Flagship Customers Only ... Interesting that only 60,000 out of 25 million Vanguard clients are Flagship. That's 1/4 of one percent. Using that same percent, means that only about 150 of the 57,000 Bogleheads would be Flagship clients. Surely there must be a much greater representation of Flagship ...
by 1210sda
Tue Feb 14, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Bogleheads not the norm?
Replies: 116
Views: 10434

Re: Bogleheads not the norm?

It doesn't seem like being a Boglehead is about how much you make, but how you handle the amount you make. Totally agree with this statement. Another observation: Bogleheads are incredibly generous with their time, advice and suggestions. Anytime I have an issue that I'm not sure how to handle, I a...
by 1210sda
Sun Feb 12, 2017 7:40 pm
Forum: Investing - Theory, News & General
Topic: The Ned Said Effect strikes again
Replies: 52
Views: 3907

Re: The Ned Said Effect strikes again

Buy (or Sell) the Haystack, not the Needle.......
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by 1210sda
Sun Feb 12, 2017 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Which 25X is it? [Planning for retirement]
Replies: 51
Views: 3126

Re: Which 25X is it? [Planning for retirement]

Now that I've reached "RMD Age", our income is fairly consistent......we have 1)Interest and Dividends 2)RMD distribution and 3)Social Security for both of us. Because of this, our federal income tax is also pretty consistent. (No state income tax). I am able to include this as one of our ...
by 1210sda
Tue Feb 07, 2017 8:13 am
Forum: Personal Finance (Not Investing)
Topic: Any downside to Grandparent 529
Replies: 20
Views: 2073

Re: Any downside to Grandparent 529

A portion of the grandparent's 529 distribution counts in the child's income for financial aid purposes which will impact eligibility in future years. One strategy is to use it for the final year so no impact. Below is one article from Forbes on the matter. http://www.forbes.com/sites/troyonink/201...
by 1210sda
Mon Feb 06, 2017 8:55 am
Forum: Investing - Theory, News & General
Topic: Index Investors getting a free ride
Replies: 53
Views: 5489

Re: Index Investors getting a free ride

I don't know by how much the average active fund beats the index, though. It could be too small a margin. In his paper "A Case for Index Funds" (June 2103), Rick Ferri compared a portfolio of index funds to a portfolio of active funds for the 16 years from 1997 to 2013. He found that, in ...
by 1210sda
Wed Feb 01, 2017 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: If the stepped up basis at death is eliminated....
Replies: 22
Views: 1586

Re: If the stepped up basis at death is eliminated....

I am not a big believer in putting all my stocks in my taxable accounts. I have stocks and muni bonds in my taxable account and stocks and regular bonds in my tax free account. I balance each account to about my desired asset allocation. I sell bonds or stocks to rebalance annually and fund my cash...
by 1210sda
Wed Feb 01, 2017 1:10 pm
Forum: Personal Finance (Not Investing)
Topic: If the stepped up basis at death is eliminated....
Replies: 22
Views: 1586

Re: If the stepped up basis at death is eliminated....

Thank you for the information, DaSid. This is not a political question on my part. I'm not arguing the merits of it (the stepped up basis) being passed into law or not. I just want to know what others would do if it did become part of the tax code. Seeking the collective guidance of the BH's. It is ...
by 1210sda
Wed Feb 01, 2017 11:40 am
Forum: Personal Finance (Not Investing)
Topic: If the stepped up basis at death is eliminated....
Replies: 22
Views: 1586

Re: If the stepped up basis at death is eliminated....

Why should there be a lock? This has been suggested as a possible event. All I'm trying to do is get other BH's views on possible courses of action. And then begin thinking through the options suggested to see which one might be of the greatest benefit to me and my family?? It's called "prepara...
by 1210sda
Wed Feb 01, 2017 11:23 am
Forum: Personal Finance (Not Investing)
Topic: If the stepped up basis at death is eliminated....
Replies: 22
Views: 1586

If the stepped up basis at death is eliminated....

What would you do?

Start selling small amounts of low basis assets while you are still alive?

Let your survivors/inheritors worry about it.

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by 1210sda
Tue Jan 31, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: Choosing "Simplicity" vs. Returns:
Replies: 3
Views: 714

Re: Choosing "Simplicity" vs. Returns:

Tim, in my opinion, a lot would depend on how involved your spouse is with the current portfolio and how she would handle the portfolio if you predeceased her. I went from 16 funds to the three fund portfolio in 2010. We are very pleased with that decision. In addition, I have a letter of instructio...
by 1210sda
Sat Jan 28, 2017 4:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reports Lower Expense Ratios For 21 Fund Shares Resulting In $25 Million In Savings For Investors
Replies: 20
Views: 2828

Re: Vanguard Reports Lower Expense Ratios For 21 Fund Shares Resulting In $25 Million In Savings For Investors

with the 3 fund(admiral) portfolio at 5bp for Total stock mkt, 6 bp for Total bond and 12bp for total international, is it too much to expect a reduction in the expense ration for these funds?

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by 1210sda
Thu Jan 26, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: VoIP 'Oma' vs 'Vonage' phone
Replies: 39
Views: 2888

Re: VoIP 'Oma' vs 'Vonage' phone

Yes - you can bridge multiple analog phones off one Ooma box. And you can often find the box cheaper than $99 I plug my Ooma box into the house wiring! This way every plug is live on the Ooma line. Just make sure that the phone company doesn't connect their line from outside. :oops: Sorry for being...
by 1210sda
Thu Jan 26, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: VoIP 'Oma' vs 'Vonage' phone
Replies: 39
Views: 2888

Re: VoIP 'Oma' vs 'Vonage' phone

On ooma, Is one $99 box all you need? Can you have extension phones throughout the house??
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by 1210sda
Fri Jan 06, 2017 12:20 pm
Forum: Personal Finance (Not Investing)
Topic: Is a prenup always necessary when remarrying?
Replies: 49
Views: 3855

Re: Is a prenup always necessary when remarrying?

I did have a friend who asked me, "If she wants a prenup, that means she's already thinking that the marriage won't work" I said "If I don't sign it, that means I'm thinking the marriage won't work. You've done it again, Homer ! You zeroed in on the basics of the issue. Thanks 1210
by 1210sda
Thu Jan 05, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: You have 5-10 minutes to teach someone about personal finance
Replies: 54
Views: 4082

Re: You have 5-10 minutes to teach someone about personal finance

One good way to become rich is to not act rich !!

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by 1210sda
Tue Jan 03, 2017 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Study on SWR rates for Early Retirement
Replies: 63
Views: 6147

Re: Study on SWR rates for Early Retirement

I retired at age 59. Is this early retirement? Does the age of the spouse matter?
by 1210sda
Sun Jan 01, 2017 5:12 pm
Forum: Investing - Theory, News & General
Topic: Picking Individual Stocks Is Dangerous
Replies: 58
Views: 5565

Re: Picking Individual Stocks Is Dangerous

What a lousy four days after Christmas we had. Brought the Total Stk Market fund from 13.85% to 12.66%. :-(

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by 1210sda
Fri Dec 30, 2016 8:04 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting - Is it worth it?
Replies: 85
Views: 5677

Re: Tax Loss Harvesting - Is it worth it?

Haven't been able to experience TLH. I am using the 3 fund portfolio, with Total Bond Market in tax advantaged accounts and Total Stock Market and Total International in my taxable accounts. Since I am in the withdrawal stage, I have funds to which I'm no longer adding. I began investing long enough...
by 1210sda
Wed Nov 30, 2016 3:48 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 62
Views: 5510

Re: livesoft is almost at 50,000 posts...

HueyLD wrote:
livesoft wrote:No, I don't feel the excitement. Please lock this thread and no more comments about this.

Oh, you're welcome.

Is the above comment serious? Come on Livesoft, take it like a man. :-)


Do we know for sure that Livesoft is a man..... :D

There, I got in before this is locked.
by 1210sda
Tue Nov 01, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: How Long should Updates for Windows 10 take to load??
Replies: 22
Views: 1745

Re: How Long should Updates for Windows 10 take to load??

OP update. Yesterday I let the circling dots go on for about 8-10 hours. Finally, last night after being without my pc or the internet for so long, I began trying to get back in. It was weird. I would get all the way through to the desktop and then my little arrow would freeze. in a few seconds, i w...
by 1210sda
Mon Oct 31, 2016 8:38 am
Forum: Personal Consumer Issues
Topic: How Long should Updates for Windows 10 take to load??
Replies: 22
Views: 1745

Re: How Long should Updates for Windows 10 take to load??

Is it taking a long time but eventually updating at some point, or are you stopping the process? I ask because I can leave mine for hours and hours (overnight on several occasions) and there is no progress. In fact it will freeze and become unresponsive. I found through some web searching that unin...
by 1210sda
Sun Oct 30, 2016 8:03 pm
Forum: Personal Consumer Issues
Topic: How Long should Updates for Windows 10 take to load??
Replies: 22
Views: 1745

Re: How Long should Updates for Windows 10 take to load??

Lately when I get updates from Microsoft, it takes a very, very long time to complete. I get a black screen and the whirling "dots" that start in the evening say 5 or 6 pm and are still not done the next morning. Any ideas on what might be causing this? How long does it take you to comple...
by 1210sda
Sun Oct 30, 2016 7:03 pm
Forum: Personal Consumer Issues
Topic: How Long should Updates for Windows 10 take to load??
Replies: 22
Views: 1745

How Long should Updates for Windows 10 take to load??

Lately when I get updates from Microsoft, it takes a very, very long time to complete. I get a black screen and the whirling "dots" that start in the evening say 5 or 6 pm and are still not done the next morning. Any ideas on what might be causing this? How long does it take you to complet...
by 1210sda
Mon Oct 24, 2016 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Financial Planner - Spouse has no interest in investments
Replies: 43
Views: 3863

Re: Financial Planner - Spouse has no interest in investments

In cases where a person has no interest in managing investments - even a simple 3 or 4 fund BH portfolio - I think it's worth trading off some tax efficiency to get simplicity. A 2 fund portfolio - one fund for all taxable (Tax managed balanced or TR or Life Strategy, depending on the anticipated t...
by 1210sda
Tue Sep 27, 2016 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard QCD Checks [Qualified Charitable Distributions]
Replies: 45
Views: 3760

Re: Vanguard QCD Checks

Off topic here, but just a reminder that tax year 2016 is the last year that older folks (over 65) can use 7.5% of AGI as the base for calculating deductible medical expenses if you are itemizing deductions. In tax year 2017 it goes up to 10% like all the other folks did four years ago. This is the...
by 1210sda
Mon Sep 26, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard QCD Checks [Qualified Charitable Distributions]
Replies: 45
Views: 3760

Re: Vanguard QCD Checks [Qualified Charitable Distributions]

Thanks everyone. Wow what an education it is being a Boglehead.
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by 1210sda
Mon Sep 26, 2016 6:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard QCD Checks [Qualified Charitable Distributions]
Replies: 45
Views: 3760

Re: Vanguard QCD Checks [Qualified Charitable Distributions]

how can you tell if the organization is qualified to receive QCD's? (A church? or a Food Bank?)

How is this reported by Vanguard? Do you get a 1099R?

Is the QCD the difference between "Gross Distribution" and "Taxable Amount", or what?

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by 1210sda
Sat Sep 10, 2016 12:30 pm
Forum: Investing - Theory, News & General
Topic: Variable Percentage Withdrawal (VPW)
Replies: 718
Views: 207271

Re: VPW and TSP

(I do agree with you that letting a significant amount of money sit in cash for months & months isn't terribly optimal, even though, in the grand scheme of things, this will not make the needle move very much) I agree, in the grand scheme of things, it doesn't move the needle much.....but it do...
by 1210sda
Sat Sep 10, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 10503

Re: So being 40 is "old" in the high tech business?

Folks, It is a well-known fact that age discrimination exists in the high tech business. Now, whether it makes sense or not, who know? I had known this for a very long time. I have a good life. I got paid very well for doing things that I love. A) I save 1/3 of my gross income. I spend 1/3 and pay ...
by 1210sda
Mon Aug 29, 2016 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Article: "Yes you can be too conservative"
Replies: 38
Views: 4542

Re: Article: "Yes you can be too conservative"

We only have three or four independent 30 year periods since 1916. That doesn't seem much of a basis for predicting future 30 year periods. That's an interesting way to look at it. I view it as 100 different periods, especially when considering how important sequence of returns are. Why do you thin...
by 1210sda
Mon Aug 22, 2016 8:06 am
Forum: Investing - Theory, News & General
Topic: Bonds in Taxable
Replies: 156
Views: 11686

Re: Bonds in Taxable

The only way to get it right for sure is to use accurate assumptions and guess correctly about future returns. For most of us, however, it matters far less than we fear it does. I've run the numbers for my situation. Jim is right, the cost isn't very high (again, in my own case). DW will be very pl...
by 1210sda
Thu Aug 18, 2016 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Cash flow and Spending in Retirement
Replies: 18
Views: 1374

Re: Cash flow and Spending in Retirement

I start out with a certain percent of my AA in "cash". In my case, a prime money mkt fund at Vanguard and a joint checking account. The percent depends on your comfort level. There is a small cost of being in cash. Every month we make a transfer from the money mkt fund to the bank. DW take...
by 1210sda
Fri Aug 12, 2016 7:54 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Life Strategy Funds
Replies: 32
Views: 4077

Re: Vanguard Life Strategy Funds

Suppertime wrote: What I might lose in not slicing and dicing and tax optimizing will be more than made up by the simplicity.


That's how I view it too. In particular, for my DW if I happen to go first.

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by 1210sda
Thu Aug 11, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Just Divide your age by 20 to get your WR.
Replies: 21
Views: 4632

Re: Taylor Larimore's Withdrawal [TLW] Strategy

Enter The TLW Strategy. What's the initial withdrawal under the TLW strategy? How much less do you spend when times are bad? Is $2,000 a year enough when markets drop 50%? How much more do you spend when times are good? Is $3,000 a year too much when markets go up 8%? What if times are only sorta g...
by 1210sda
Sat Jul 30, 2016 2:32 pm
Forum: Investing - Theory, News & General
Topic: What rate of return do you use when planning for retirement?
Replies: 139
Views: 17106

Re: What rate of return do you use when planning for retirement?

My retirement portfolio is 60/40. I use the 3 fund portfolio. Stocks at 6.25% Bonds at 3.00% Inflation at 3.00% Portfolio is 4.95% Nominal (6.25% x 60%)+(3.00% x 40%) Real = Approx 2.00% My "floor" is 0% Real. I've been using this (or a similar) approach for the 14 yrs and 7 mon. that I've...
by 1210sda
Fri Jul 15, 2016 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Having both kids and a charity as beneficiaries on an IRA.....
Replies: 14
Views: 917

Re: Having both kids and a charity as beneficiaries on an IRA.....

Years ago, VG allowed POD or beneficiaries on a joint after tax account. But they told me that they would not do this going forward because people get confused about sequence of distribution after someone dies. But they grandfathered existing accounts . Thanks RudyS. "because people get confus...

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