Search found 410 matches

by AlwaysaQ
Mon Jun 05, 2017 9:22 am
Forum: Personal Consumer Issues
Topic: Favorite Thriller Authors and Why
Replies: 54
Views: 5690

Re: Favorite Thriller Authors and Why

I also like Steve Hamilton who has written a series about a retired Detroit detective who owns and manages some cabins outside Paradise, Michigan. His first book is "A Cold Day in Paradise".

Raymond Chandler and Ross McDonald are among my favorites.
by AlwaysaQ
Tue May 30, 2017 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"
Replies: 35
Views: 5291

Re: Is anyone here allocated 30/70 a la Rick Ferri's "new center of gravity?"

I'm 75 and hold about 33% in stock and stock funds, the rest in cash, CDs, bonds, and bond funds. Individual bonds are TIPS and EE and I bonds.
by AlwaysaQ
Wed May 17, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 58
Views: 9205

Re: Is the Vanguard Balanced Index Fund all you need?

Can somebody who held Vanguard Balanced Index tell me what percentage of dividends were qualified dividends? That info doesn't seem available on the website.
by AlwaysaQ
Sun May 14, 2017 3:10 pm
Forum: Personal Consumer Issues
Topic: Replace floor BEFORE or AFTER New Cabinets?
Replies: 27
Views: 2415

Re: Replace floor BEFORE or AFTER New Cabinets?

I also had the floor put in last. If you put it in first you may not get the dishwasher to fit.
by AlwaysaQ
Tue May 02, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: My library is switching to Cloud Library from Overdrive: no more kindle!
Replies: 5
Views: 906

Re: My library is switching to Cloud Library from Overdrive: no more kindle!

It seems the Cloud Library uses phones or tablets. IMHO phones are too small and most tablets are too heavy and don't use e-ink.
by AlwaysaQ
Tue Mar 28, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: taxable account
Replies: 8
Views: 677

Re: taxable account

I think I read that any fund that contains munis has to have more than 50% in munis for the income to be tax-exempt. The Vanguard Balanced Index (not munis) is 60/40 stock/bonds but the Tax Managed Balanced Fund is more like 49/51 stock/bonds.
by AlwaysaQ
Fri Mar 24, 2017 11:49 am
Forum: Personal Finance (Not Investing)
Topic: How did you do your income taxes?
Replies: 96
Views: 4940

Re: How did you do your income taxes?

Free download of Turbo Tax Premier from Fidelity. Free Fed e-file and one state e-file for $20. Previous two years I had used TaxAct.
by AlwaysaQ
Sun Mar 12, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Is there such a thing as tax loss harvesting if you are a boglehead?
Replies: 27
Views: 2068

Re: Is there such a thing as tax loss harvesting if you are a boglehead?

Also capital losses affect the MAGI. I took some losses early in 2016 and stayed below the next Medicare tier.
by AlwaysaQ
Mon Feb 20, 2017 11:59 am
Forum: Investing - Help with Personal Investments
Topic: What is a smart tax strategy?
Replies: 13
Views: 1488

Re: What is a smart tax strategy?

Also at 64.5 years and presuming you will be filing for Medicare you need to be careful of your MAGI going over 85000 pushing you into a higher Medicare tier.
by AlwaysaQ
Sat Feb 18, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1321

Re: Turbo Tax only reading 1st page of 1099-INT

Whatever the problem is it's between the two of them. I'm not reporting it to either; I have the data I need.
by AlwaysaQ
Sat Feb 18, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1565

Re: converting Vanguard Total Stock Fund to ETF

Doesn't the basis transfer over to new broker? It seems I would have 47 shares at basis x and 52 shares at basis y in the above example. Isn't this all written up somewhere? I hate black boxes; I usually want to know what is going on inside. I'd call Vanguard but we know how that is going!
by AlwaysaQ
Sat Feb 18, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1565

Re: converting Vanguard Total Stock Fund to ETF

Doesn't the basis transfer over to new broker? It seems I would have 47 shares at basis x and 52 shares at basis y in the above example. Isn't this all written up somewhere? I hate black boxes; I usually want to know what is going on inside. I'd call Vanguard but we know how that is going!
by AlwaysaQ
Sat Feb 18, 2017 10:09 am
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1565

Re: converting Vanguard Total Stock Fund to ETF

All the VTSAX shares are covered shares. The first purchase was made on 2/24/16 and the last on 1/12/17 so they are short term and they have capital gains. I don't want to sell them; I am thinking of moving them from Vanguard to my other investment house to simplify my accounts. I can't buy more VTS...
by AlwaysaQ
Sat Feb 18, 2017 9:45 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1321

Re: Turbo Tax only reading 1st page of 1099-INT

MisterBill - I have 4 accounts and TurboTax only imported 2 of them. It created two line items; one for the savings account and one for the first CD. I deleted both line items and manually created one with the combined total of all accounts.

HueyLD - Yes I should report the error to TurboTax.
by AlwaysaQ
Fri Feb 17, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1565

Re: converting Vanguard Total Stock Fund to ETF

Why convert from VTSAX to VTI - to move to another broker; simplify.
Why combine lots - to minimize partial shares since I don't know what happens to them.

I'm not sure I am going to do any of this but I want to know.
by AlwaysaQ
Fri Feb 17, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: Induction cooktop impressions?
Replies: 31
Views: 1974

Re: Induction cooktop impressions?

Nisiprius - you have been very helpful for all of us SO I have an induction cooktop and I wouldn't have any other. I put off remodeling the kitchen for years because I hated the idea of gas (If I were rich I wouldn't have it in my house). Finally my stove was going and it sat in the corner. It was t...
by AlwaysaQ
Fri Feb 17, 2017 11:20 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1321

Re: Turbo Tax only reading 1st page of 1099-INT

tfb - I did import directly from Ally; didn't know you could do it any other way.

I have the problem fixed - I was only trying to warn others who may be new to this.
by AlwaysaQ
Fri Feb 17, 2017 9:01 am
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1565

Re: converting Vanguard Total Stock Fund to ETF

Can I sell the partial share back to Vanguard and if so is that a taxable event in this taxable account? I have multiple lots but I have not sold any shares since I started buying so can I change from specific id to average and have only one possibly partial share?
by AlwaysaQ
Fri Feb 17, 2017 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1321

Re: Turbo Tax only reading 1st page of 1099-INT

tfb - True that is just as easy to simply enter the data from the 1099-INT. I was basically testing the import feature since it was the first time I have actually used TurboTax. I tried the product one year and gave up on it but I thought I'd try it again. MisterBill - I have a savings account and 3...
by AlwaysaQ
Thu Feb 16, 2017 7:49 pm
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1565

Re: converting Vanguard Total Stock Fund to ETF

Yes I am talking about a taxable account. What happens to the partial shares of each lot after conversion? A share of VTI is more than a share of VTSAX.
by AlwaysaQ
Thu Feb 16, 2017 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 1565

converting Vanguard Total Stock Fund to ETF

How are multiple purchases handled when converting Vanguard Total Stock Fund Admiral to Vanguard Total Stock Fund ETF? Is each purchase converted separately or are they combined? I did try to find information on the Vanguard site about this but wasn't able to do so.
by AlwaysaQ
Thu Feb 16, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax only reading 1st page of 1099-INT
Replies: 14
Views: 1321

Turbo Tax only reading 1st page of 1099-INT

Have the downloaded version of Turbo Tax Premier. Tried to import my 1099-INT from Ally Bank which is 3 pages and it only read the first page. I had to amend the data. Just a warning.
by AlwaysaQ
Mon Feb 06, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Keep a Local Bank?
Replies: 76
Views: 5338

Re: Keep a Local Bank?

I have accounts at two local banks, a local credit union, and an online bank. I opened the main bank account over 50 years ago and it is so interconnected in my financial life I'd hate to have to change it and I use it also to maintain my cash stash. When the bank that held my safe deposit box was s...
by AlwaysaQ
Fri Feb 03, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?
Replies: 90
Views: 7750

Re: Retiree Accumulation/Withdrawal Phase -- How many funds do you have? Allocation? Withdrawal strategy?

Withdrawal phase Beginning 22nd year of retirement 8 mutual funds at 2 investment houses; 6 index and 2 actively managed 32% equities, 31% individual TIPS, 17% bonds and bond funds, 20% cash and CDs Besides interest, dividends and capital gains from taxable accounts I have a pension, social security...
by AlwaysaQ
Wed Jan 18, 2017 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Switch from FSTVX to VTSAX - The Enemy Of a Good Plan is a Perfect Plan...
Replies: 5
Views: 1007

Re: Switch from FSTVX to VTSAX - The Enemy Of a Good Plan is a Perfect Plan...

After getting hit with capital gains in 2015 from FSTVX I also started putting new total market funds into VTSAX. I may convert the VTSAX later to VTI and transfer it back to Fidelity. I didn't sell the shares of FSTVX because they had appreciated quite a bit. The problem wasn't so much tax ineffici...
by AlwaysaQ
Wed Jan 18, 2017 1:21 am
Forum: Investing - Help with Personal Investments
Topic: Taxable, in Fidelity, Total Stock Market Index Mutual Fund or ETF better for the long run ?
Replies: 16
Views: 1383

Re: Taxable, in Fidelity, Total Stock Market Index Mutual Fund or ETF better for the long run ?

I didn't mean to mislead. I hold VTSAX at Vanguard and all else is at Fidelity. I don't think you can buy VTSAX at Fidelity. If you don't want FSTVX and want to keep all assets at Fidelity then ETFs are your best bet. Actually ETFs are probably your best bet in a taxable account IF you feel comforta...
by AlwaysaQ
Tue Jan 17, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable, in Fidelity, Total Stock Market Index Mutual Fund or ETF better for the long run ?
Replies: 16
Views: 1383

Re: Taxable, in Fidelity, Total Stock Market Index Mutual Fund or ETF better for the long run ?

I use Fidelity for most of my mutual funds but I did start buying VTSAX last year instead of FSTVX because of the capital gain issues. I also hold FSTVX but it is about 40% gain so I keep it. I don't like buying at market and have only done it a few times.
by AlwaysaQ
Tue Jan 17, 2017 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate under Fidelity Brokerage?
Replies: 2
Views: 288

Re: Consolidate under Fidelity Brokerage?

I moved my smaller IRA to Fidelity last year and merged it into the larger one I hold there. I did it right after one of the funds made its quarterly distribution so that wouldn't get messed up. I even got a small bonus for moving. No problems at all. I'm in the MRD phase and getting older and slowe...
by AlwaysaQ
Thu Dec 29, 2016 8:17 am
Forum: Investing - Help with Personal Investments
Topic: In taxable account sell Total Bond buy Tax Exempt
Replies: 26
Views: 2648

Re: In taxable account sell Total Bond buy Tax Exempt

Vest74 Look at Schedule D line 20, and SS worksheet line 2 (modified income) at least for me of modest income(plenty of assets) cap gains and qualified div's are taxed at 0 for fed, but on the SS worksheet cap gains are only included in amount of SS taxable and qualified div's are NOT. Ordinary divi...
by AlwaysaQ
Wed Dec 28, 2016 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: In taxable account sell Total Bond buy Tax Exempt
Replies: 26
Views: 2648

Re: In taxable account sell Total Bond buy Tax Exempt

Qualified Dividends and Capital Gains are definitely included as income when determining how much Social Security is taxable. Qualified Dividends are a subset of Ordinary Dividends.
by AlwaysaQ
Thu Dec 22, 2016 2:14 pm
Forum: Personal Consumer Issues
Topic: Afraid of retirement??
Replies: 55
Views: 4637

Re: Afraid of retirement??

I retired at 54 after 30 years on the job and that was long enough for me. At least I could leave with a smile on my face and remembering some of the good times and not snarling "Take this job and shove it". I was never one whose identity was tied to the job as it was just a means to an en...
by AlwaysaQ
Thu Dec 22, 2016 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: Will ETFs make mutual index funds obsolete?
Replies: 28
Views: 2230

Re: Will ETFs make mutual index funds obsolete?

The few times I have bought at market my blood pressure must have risen 25 points. I don't think ETFs will replace mutual funds, especially in tax-advantaged accounts where dividends and capital gains are reinvested and portability is not a big advantage.
by AlwaysaQ
Wed Dec 14, 2016 12:51 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 15646

Re: How old is your vehicle?

2004 Lincoln LS approx. 12,000 miles and no the odometer hasn't rolled.
by AlwaysaQ
Sun Dec 11, 2016 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Turbotax question
Replies: 4
Views: 492

Re: Turbotax question

Isn't iPad IOS? Wouldn't the OP need an app version of a software tax program? iTunes has H&R Block and TurboTax versions.
by AlwaysaQ
Sat Dec 10, 2016 11:27 am
Forum: Investing - Help with Personal Investments
Topic: FDIC question
Replies: 20
Views: 2089

Re: FDIC question

If you have a brokerage account you could buy a 3 or 6 month T-bill at auction. Not much interest but safe.
by AlwaysaQ
Tue Nov 22, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: In a taxable account do you reinvest dividends and capital gains?
Replies: 24
Views: 1891

Re: In a taxable account do you reinvest dividends and capital gains?

No. At first I didn't want to bother keeping track of small purchases. Then in the years between retirement and RMD age I used the money for living expenses. Now I reinvest but not automatically.
by AlwaysaQ
Thu Sep 22, 2016 6:37 am
Forum: Personal Finance (Not Investing)
Topic: Contribution to satisfy RMD
Replies: 29
Views: 2500

Re: Contribution to satisfy RMD

AGI also affects Medicare tiering. So if one is close then donating to charity thru QCDs may keep one under the next tier.
by AlwaysaQ
Wed Aug 24, 2016 9:19 am
Forum: Investing - Help with Personal Investments
Topic: TIPS ladder - Have experience?
Replies: 11
Views: 1329

Re: TIPS ladder - Have experience?

I have individual TIPS in my tIRA. I bought most at market but bought one set at auction. I don't have a ladder as such and more than half will have matured by July 2018. At my age I no longer have a long term mindset so haven't bought any recently. I do get the emails from the Treasury about auctio...
by AlwaysaQ
Wed Aug 10, 2016 11:21 am
Forum: Investing - Help with Personal Investments
Topic: Mom wants to invest large sums into CD
Replies: 39
Views: 4123

Re: Mom wants to invest large sums into CD

It's her money and she is risk adverse. At 55 maybe she wants to live it up a bit. Are you going to be with her when she finds she has lost 25% of her assets? When it's your money you can do what YOU like. edited Joebh has the right idea. She needs to figure out what SHE wants to do both with the mo...
by AlwaysaQ
Sun Aug 07, 2016 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Stock/Bond - ETF/Index fund allocation???
Replies: 25
Views: 2228

Re: Stock/Bond - ETF/Index fund allocation???

The OP said he didn't want international. Is there any Target Retirement fund that doesn't have a heavy dose of international?
by AlwaysaQ
Mon Jul 11, 2016 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have any retiree healthcare benefit from your employer?
Replies: 76
Views: 4772

Re: Do you have any retiree healthcare benefit from your employer?

Yes. I have an HRA from my former employer. I get a certain amount each year that can roll over if I don't spend it all. It covers my Medicare B premium with some left over for other expenses.
by AlwaysaQ
Sun Jun 19, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: Internet/WiFi speeds and costs
Replies: 54
Views: 4493

Re: Internet/WiFi speeds and costs

Kolea is right about sustained rates. I have an AT&T Uverse Internet 15 Mbps/TV/Landline phone bundle. The other day my VUDU app complained it couldn't maintain HDX (1080p) streaming which is supposed to require only 6 Mbps and I had to step down to HD (720p) which requires 3 Mbps. There are no ...
by AlwaysaQ
Sat Jun 04, 2016 2:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: D Day 72 years ago...
Replies: 48
Views: 4370

Re: D Day 72 years ago...

And today is the 74 anniversary of the start of the Battle of Midway.
by AlwaysaQ
Mon May 23, 2016 12:22 pm
Forum: Personal Consumer Issues
Topic: WW2 Books & Education
Replies: 91
Views: 4394

Re: WW2 Books & Education

On June 4 starting at 12 noon American Heroes Channel is showing 3 1-hour programs on WWII in the Pacific: Waking the Beast, Island Warfare, and No Surrender. Obviously they don't cover all of the Pacific War and are from the American POV.
by AlwaysaQ
Mon May 23, 2016 8:16 am
Forum: Personal Consumer Issues
Topic: WW2 Books & Education
Replies: 91
Views: 4394

Re: WW2 Books & Education

Right now I am reading Freedom from Fear (War Years) that Valuethinker and ZonaDoc mentioned. I am finding it very interesting. I bought the Kindle version for easier on the wrist reading but the maps are tiny. I already had the full volume in paperback. The book won the Pulitzer Prize for history i...
by AlwaysaQ
Fri May 06, 2016 5:45 pm
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 4993

Re: Retirees: Who's not changing their AA, ever?

I'm 74 and in my 21st year of retirement. Stocks are 26% of assets and I doubt I'll go lower.
by AlwaysaQ
Fri May 06, 2016 5:20 pm
Forum: Personal Consumer Issues
Topic: how much cash do you carry in your wallet?
Replies: 152
Views: 17995

Re: how much cash do you carry in your wallet?

I usually carry about $80 dollars in my wallet. It is easier when using a drive-thru, my closest take-out place has a minimum larger than my orders, and I don't like to use a credit card at sit-down restaurants because that seems the easiest way to get your number stolen. Oftentimes cash is faster w...
by AlwaysaQ
Sun May 01, 2016 6:48 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 9768

Re: So, are Bogleheads Bourbon or Scotch drinkers?

To answer the OP Scotch, usually Chivas Regal or Glenlivet, though Bourbon is good in coffee. Also tequila, vodka, rum drinks in the summer. Boston Lager with hamburgers and pizza. Pinot Noir, Sauvignon Blanc, and Zinfandel with other foods. Life is too short to limit oneself to one or two different...
by AlwaysaQ
Sun Mar 20, 2016 3:39 pm
Forum: Personal Finance (Not Investing)
Topic: Early Retirees - What triggered you to retire?
Replies: 97
Views: 13143

Re: Early Retirees - What triggered you to retire?

I had always hoped to retire early. At 54 I became eligible for a reduced pension and a bridge payment until eligible for early Social Security. My parents had both died from cancer in their early sixties and I had a bout with it when I was 51. I am now in my 21st year of retirement and very much en...
by AlwaysaQ
Sun Mar 20, 2016 2:56 pm
Forum: Investing - Theory, News & General
Topic: How do you organize your finances? Do you use Mint.com?
Replies: 86
Views: 11879

Re: How do you organize your finances? Do you use Mint.com?

I keep my checkbook register in an Excel spreadsheet. I used Quicken for a while but dropped it a number of years ago. I have a group of Excel worksheets that I update periodically that have financial information. I log in to my primary checking account almost every morning and have alerts set on mo...

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