Search found 771 matches

by Cody
Thu May 11, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: LVP flooring installation DIY - your experience?
Replies: 10
Views: 737

Re: LVP flooring installation DIY - your experience?

Any more thoughts?
cody
by Cody
Thu May 11, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: LVP flooring installation DIY - your experience?
Replies: 10
Views: 737

Re: LVP flooring installation DIY - your experience?

I forgot to mention this is "click" style LVF.
cody
by Cody
Thu May 11, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: LVP flooring installation DIY - your experience?
Replies: 10
Views: 737

Re: LVP flooring installation DIY - your experience?

Not sure what you mean by "smell?" Literal or figurative?

Thanks,
cody
by Cody
Thu May 11, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: LVP flooring installation DIY - your experience?
Replies: 10
Views: 737

LVP flooring installation DIY - your experience?

I have installed three rooms of subflooring and laminent flooring. So I have some experience with the general concept. But I'm wondering if Luxury Vinal Flooring from Lumber Liquidators is about the same difficulty to install. The cost of the flooring is $450 and installation is $2.00 a square foot ...
by Cody
Sat Mar 04, 2017 6:40 pm
Forum: Investing - Theory, News & General
Topic: Would like comments on this Roth Conversion quote.
Replies: 30
Views: 2530

Re: Would like comments on this Roth Conversion quote.

So to do a roth conversion to pay for a new car in 4 years or help pay for a grand daughters college in 6 seems ok with you. The quote would say no (I think).

Thanks,
Phil
by Cody
Fri Mar 03, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: Would like comments on this Roth Conversion quote.
Replies: 30
Views: 2530

Re: Would like comments on this Roth Conversion quote.

The "after 60" part gets me a bit confused. Is because you may not live that 15-20 years longer to make it worth it? (Of course I know I will :happy )
Cody
by Cody
Fri Mar 03, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: Would like comments on this Roth Conversion quote.
Replies: 30
Views: 2530

Would like comments on this Roth Conversion quote.

There are many factors involved with Roth conversions. Every situation is different for sure. Roth converting is not so straight forward as it might seem. Assuming taxes are paid with cash on hand, possibly jumping for the 15% to 25% tab bracket down the road etc. etc. etc. What do you think of this...
by Cody
Sat Feb 18, 2017 10:29 am
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than You Think? Article implications for today?
Replies: 60
Views: 5226

Re: Bonds Are Riskier Than You Think? Article implications for today?

When you say "heafty amount of tips" what do you mean? I see Target 2015 has about 10% in the Short Term Inflation fund.

Best,
Cody
by Cody
Wed Feb 08, 2017 10:13 am
Forum: Investing - Theory, News & General
Topic: Does Micheal Kitces Rising Retirement Glidepath Still have legs
Replies: 47
Views: 4126

Does Micheal Kitces Rising Retirement Glidepath Still have legs

Edited: The article was authored by Wade D. Pfau, Ph.D., CFA; and Michael E. Kitces In my quest to decide between Target Funds and Lifestragy funds (both Vanguard) I am wondering if the article by Kitches (Should Equity Exposure Decrease In Retirement, Or Is A Rising Equity Glidepath Actually Better...
by Cody
Sat Feb 04, 2017 10:07 am
Forum: Investing - Help with Personal Investments
Topic: For Target date fund owners in retirement
Replies: 7
Views: 1005

Re: For Target date fund owners in retirement

Two portfolios $100,000 in each: 1. target date let's say allocation is 50/50 ($100,000 in one fund) vs. 2. 50% stocks 50% bonds ($50,000 in one stock fund, $50,000 in one bond fund) Overall it's the same whether they're in one fund or separated into two funds. Say the stock part goes down by 50% a...
by Cody
Sat Jan 21, 2017 11:45 am
Forum: Investing - Help with Personal Investments
Topic: For Target date fund owners in retirement
Replies: 7
Views: 1005

Re: For Target date fund owners in retirement

I think that the statement about normally selling from the fixed part of your portfolio is incorrect. If you have multiple funds then when you needed to sell you would first sell whichever asset class is above your desired asset allocation. I was just saying if stocks fell in a 50-50 portfolio to 4...
by Cody
Sat Jan 21, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: For Target date fund owners in retirement
Replies: 7
Views: 1005

For Target date fund owners in retirement

I am seriously considering moving all my funds (mostly they are IRA's and Roths) to a Target date fund. For those of you who use them in retirement help me make a good descsion. My first concern is this: in a down market we will need to continue to take money out (3% withdrawal rate or so). √ How do...
by Cody
Sat Jan 14, 2017 9:50 am
Forum: Investing - Help with Personal Investments
Topic: Several Roth questions
Replies: 4
Views: 531

Several Roth questions

We are going to do a roth conversion. Question 1: Does it really matter (we both have Rollover IRAs) if I do the Roth conversion or my wife does? Realizing that one of us might have the "right" funds to exchange and that might be a factor (to maintain our set AA). So if I have Total Stock ...
by Cody
Thu Dec 29, 2016 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Mutal Fund Roth vs Brokerage Roth
Replies: 3
Views: 416

Vanguard Mutal Fund Roth vs Brokerage Roth

I am currently setting up a second Roth IRA for roth conversions (in case I want to recharacterize later). But my old Roth is a Vanguard Mutual Fund only Roth. The service guy at Vanguard said not many people use that kind anymore. Is there any reason to set up one kind of Roth over the other is I o...
by Cody
Wed Dec 07, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: Sort of a new question on college funding
Replies: 15
Views: 1104

Re: Sort of a new question on college funding

I should have been clearer and on point. We would not actually open the Roth in the kids names but just for our record keeping we would set up 4 separte Roths all in our name. I am conerned that at college time, if we take the money from other sources, we will have to pay the taxes (even jump tax br...
by Cody
Wed Dec 07, 2016 11:28 am
Forum: Personal Finance (Not Investing)
Topic: Sort of a new question on college funding
Replies: 15
Views: 1104

Sort of a new question on college funding

As grandparents of 4 grandchildren do you see any major reason not to use Roths to help fund their college. We get no state tax benefit from any plan. As long as the Roth has the required $3000 minimum (Star fund might be less?) we could set up 4 Roths. The only down side I see is since we are not e...
by Cody
Wed Oct 19, 2016 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Funds for cash? Again.
Replies: 3
Views: 812

Which Vanguard Funds for cash? Again.

My sister wants to stay with Vanguard but only has a Target Fund (2015) there. And she wants to park $50k in a "cash" like fund. She indeed likes simple. Probably not willing to lose much principle, and will have the fund for 3-5 years or so (unless she doesn't use in a good market.) This ...
by Cody
Sun Oct 09, 2016 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Grandparents using our Roth to fund grandchild's college education
Replies: 17
Views: 2501

Grandparents using our Roth to fund grandchild's college education

I realies that a parents use of a Roth to fund their child's education means that the Roth can be held against the childs overall financial package. But I also assume that as a grandparent (using our Roth to help fund a grandchilds education) will have no impact on the grandchild's financial package...
by Cody
Thu Oct 06, 2016 2:50 pm
Forum: Investing - Theory, News & General
Topic: What are implications of Jack Bogle's Morningstar interview
Replies: 39
Views: 5415

Re: What are implications of Jack Bogle's Morningstar interview

My confession: I believe it was about 14 years ago when I first started following this forum. It provided answers, sometimes more questions, and comfort to me. It teaches what I know, what I thought I knew (but didn't) and how to find solutions that make my life better. Minnesota Bogleheads and my l...
by Cody
Wed Oct 05, 2016 9:35 am
Forum: Investing - Theory, News & General
Topic: What are implications of Jack Bogle's Morningstar interview
Replies: 39
Views: 5415

Re: What are implications of Jack Bogle's Morningstar interview

I read an article by a planner who recommended a withdrawal rate of age of youngest member of a couple or single person's age divided by 20 as a starting point estimate for sustainable withdrawal percentage today. This means that this percentage is used at the starting year, and is corrected for in...
by Cody
Tue Oct 04, 2016 11:21 am
Forum: Investing - Theory, News & General
Topic: What are implications of Jack Bogle's Morningstar interview
Replies: 39
Views: 5415

Re: What are implications of Jack Bogle's Morningstar interview

A big part of this is "peace of mind" - knowing that we are doing ok. And having the tools to stay that way. The words from all poster help us achieve that. It is what retirement is about for us.

best,
Cody
by Cody
Tue Oct 04, 2016 10:49 am
Forum: Investing - Theory, News & General
Topic: What are implications of Jack Bogle's Morningstar interview
Replies: 39
Views: 5415

Re: What are implications of Jack Bogle's Morningstar interview

Taylor:

I am 67 (wife 64) years old and both in generally in good health.

Cody
by Cody
Tue Oct 04, 2016 10:01 am
Forum: Investing - Theory, News & General
Topic: What are implications of Jack Bogle's Morningstar interview
Replies: 39
Views: 5415

What are implications of Jack Bogle's Morningstar interview

I'm trying to wade through the future implications of the "Bogle: Tough Decade Ahead for Equity Investors" interview. I am in the withdrawal stage and, if I get it right, the interview points the way to much lower exceptions of future stock and equity growth. So what is the correlation bet...
by Cody
Fri Aug 12, 2016 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Is there any reason to wait [to do a 2016 Roth conversion]
Replies: 21
Views: 2131

Re: Is there any reason to wait

I am delaying ss for a while yet so I have lots of space in the 15% tax bracket which will "probably" move me to the 25% tax bracket. It will be close. I will have to run a turbo tax sim to see what will happen with this Roth conversion and in the future when I take SS.

Best,
cody
by Cody
Fri Aug 12, 2016 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Is there any reason to wait [to do a 2016 Roth conversion]
Replies: 21
Views: 2131

Is there any reason to wait [to do a 2016 Roth conversion]

If I am going to do a 2016 Roth conversion is there any reason to wait and postpone it?

Thanks,
cody
by Cody
Wed Jun 22, 2016 4:37 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2939

Re: An actual book on LastPass?

Also I am getting a notice in a green bar on my screen asking : should LastPass remember this password? Save Site or Never are my choices.

Help.

cody
by Cody
Wed Jun 22, 2016 4:34 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2939

Re: An actual book on LastPass?

I'm the op.

After downloading LP to my macbook pro and creating an account where do I find the app? Should I look for an icon somewhere or do I have to go to the LP website to login.

Thanks,
cody
by Cody
Wed Jun 22, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2939

Re: An actual book on LastPass?

You guys are great.

I have now created an account with a master password.

But where on my macbbok pro do I located the icon to start entering data. (Like to get to drop box I just click the icon at the top of the screen?

Best,
cody
by Cody
Wed Jun 22, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2939

Re: An actual book on LastPass?

After I login to LP and then login in to say Wells Fargo Bank. (using my regular password). How then does LP change the WF password to a much better one? I assume I tell LP to generate a new password but does LP then automatically somehow change the old WF password to the new one or will I have to m...
by Cody
Wed Jun 22, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2939

Re: An actual book on LastPass?

Powermega:
Could you explain the steps to get log in to LP using your phone then?
Thanks,
cody
by Cody
Wed Jun 22, 2016 10:22 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2939

Re: An actual book on LastPass?

Do you think most people try to keep track the new passwords on paper just in case? Or do they feel that is not necessary or even possible giving the vast number of account pws to remember?

thanks,
cody
by Cody
Wed Jun 22, 2016 8:51 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2939

An actual book on LastPass?

I did a general google search on LastPass - to find an actual "how to book" on Lastpass. I had little luck.

Other than the online manual, which is helpful, is anyone aware of a book on the subject? I'm looking for tips, hints and you might try this.

Thanks,
cody
by Cody
Thu May 26, 2016 8:18 am
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 5344

Re: $750 repair or buy new [MacBook Pro] Update!

Update: Well lucky me. The Apple Store here at the Mall of America has replaced the hard drive, logic board and new anti glare screen. All on their dime. They did not fine the "liquid" that the other store did. All this work would have cost about $1100 (oh and I forgot, they put in a new b...
by Cody
Thu May 19, 2016 5:29 pm
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 5344

Re: $750 repair or buy new [MacBook Pro]

Thanks for the great input. I will be hearing back from the MOA Apple techs in a day or two. We'll see if they fine anything. I'll report back to you with what I decide. I'm leaning toward fixing it for $750. But once I get the final word I make change my mine. Not having a computer has forced my to...
by Cody
Wed May 18, 2016 6:08 pm
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 5344

Re: $750 repair or buy new

Are the screans on the "2016 (actually 20150 MacBook Pros different than the 2013 model that I have (which is Retina - I love it). And by your good math I should expect to get a repaired computer to last until 2017 or so - that doesn't seem very long from now. (An aside - El Capitan will go on ...
by Cody
Wed May 18, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 5344

Re: $750 repair or buy new

I'm the OP. The liquid was red (maybe wine I suppose). I don't ever remember spilling it but whatever. They took a picture of it and I could see something there. Still not sure I did it but again it is what it is. Yes it would cost me $750 to get back to my Apple Care. They call that a tier 4 repair...
by Cody
Wed May 18, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 5344

Re: $750 repair or buy new

Actually it is at The Mall of America Apple Store for that second opinion. The first on was another Apple Store.

Great minds think alike!

Cody
by Cody
Wed May 18, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 48
Views: 5344

$750 repair or buy new [MacBook Pro]

I have a 2013 MacBook Pro (with one year left on Apple Care) that will cost me $750 to repair. They say I spilled some liquid on it thus voiding Apple Care. If I do the repair Apple Care is back in play for another year. Craigslist list my computer right around $1000 (generally with no Apple Care). ...
by Cody
Tue May 03, 2016 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvest or Roth conversion
Replies: 8
Views: 767

Re: Tax gain harvest or Roth conversion

Lots to things to consider. Another thing to add I guess is that if I needed $10000 in the future (after taking Social Security at age 70 - I'm 67) if I take it from the FTSE taxable account I would only pay LTCG tax on about 41% of that amount. My cap gains on FTSE are about 41% of the total. So I ...
by Cody
Tue May 03, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Tax gain harvest or Roth conversion
Replies: 8
Views: 767

Tax gain harvest or Roth conversion

I can't quite figure out which is better in my situation. I have tax space up to the top of the 15% Federal tax rate that I can use until I take Social Security in 2-3 years. At that point I am likely to move into the 25% tax bracket. So which option hereis better? I could sell all of the FTSE (pay ...
by Cody
Fri Apr 08, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: Retirement
Replies: 32
Views: 3506

Re: Retirement

Basically, a number of the hangers-on are keeping younger, more creative folks from energizing the profession. There are exceptions, of course, but in my experience (I live in an academic community) they are few and far between. Sometimes the truth hurts. Lev People who say they know the "trut...
by Cody
Mon Feb 01, 2016 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2664

Re: Is divorced spouse entitled to spouses Social securtity?

I promise this will be the last question on this.

We looked through the linked doc for SSA and couldn't quite figure out which section applies here.

Could you let us know which section# and or letter you think applies.

So much thanks,
cody
by Cody
Mon Feb 01, 2016 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2664

Re: Is divorced spouse entitled to spouses Social securtity?

Mike you rule.

Ok then I had read that then after two years of divorce she is eligible for a different benefit. Or is that not true since she is taking this spousal benny?

Thanks,
cody
by Cody
Mon Feb 01, 2016 10:23 am
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2664

Re: Is divorced spouse entitled to spouses Social securtity?

Great help.

So Wednesday she will go into the SS office and request:
1. Spousal benifit based on his record (he is taking it currently).
2. Request a 6 month backdate of that benefit.

Anything else?

Thanks,
cody
by Cody
Mon Feb 01, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Retirement - Ten key years + Summary
Replies: 68
Views: 15583

Re: Retirement - Ten key years

Hello Peter, I guess I'd start with how retirement saving is different from retiremet spending psychologically . We work our entire life accumulating and the "suddenly" we have to reverse the process. To me that realization needs to be visited before any "next step". How do we sh...
by Cody
Mon Feb 01, 2016 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2664

Re: Is divorced spouse entitled to spouses Social securtity?

Mike or others could you explain this please.

Edited to add: In fact, if he is entitled, when she applies ASAP for spousal benefits, she should backdate her application for the maximum 6 months.

Why would this help?

Thanks,
cody
by Cody
Fri Jan 29, 2016 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2664

Re: Is divorced spouse entitled to spouses Social securtity?

Can she do that if she currently is taking hers now (on her record). Started at 62 on her record and now can she take spousal on his?


T
cody
by Cody
Fri Jan 29, 2016 10:00 am
Forum: Personal Finance (Not Investing)
Topic: Is divorced spouse entitled to spouses Social securtity?
Replies: 21
Views: 2664

Is divorced spouse entitled to spouses Social securtity?

After reading the SSA info on this situation I'm a bit confused. Situation: They have been married more than ten years. She started her social security at age 62 (is now 67). Not sure if is taken SS but is age 68. He earned significantly more than she did. It looks like she needs to wait 2 years whe...

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