Search found 288 matches

by Copernicus
Thu Feb 15, 2018 10:48 pm
Forum: Personal Consumer Issues
Topic: Using DASHLANE Password Manager
Replies: 7
Views: 891

Re: Using DASHLANE Password Manager

Completely new to password managers. Will use Dashlane on iMac and PC. I do not want to store my passwords in the cloud, only on my computer/s. I read that Free vesrion Dashlane can be used on only one device? Does that mean I can not use it on both iMac and PC? Thanks.
by Copernicus
Sat Jan 27, 2018 9:50 pm
Forum: Investing - Theory, News & General
Topic: Dalio says bonds have entered a bear market
Replies: 96
Views: 9411

Re: Dalio says bonds have entered a bear market

No one knows the future of markets and all predictions are best taken as a grain of salt. However, Ray Dalio's comments and point of view are interesting. www.bloomberg.com/news/articles/2018-01-24/billionaire-dalio-says-bond-market-has-moved-into-bear-phase yeah buying opportunity for bonds is com...
by Copernicus
Sat Jan 27, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: "Muni Bonds Time Bomb" Barron's
Replies: 47
Views: 4834

"Muni Bonds Time Bomb" Barron's

Barron's has this article: https://www.barrons.com/articles/the-ticking-time-bomb-in-the-municipal-bond-market-1517020424 In case you hit the paywall, here is the central argument: “We are increasingly wary of high pension exposure, especially among state and local credits,” the Barclays muni-resear...
by Copernicus
Sat Jan 27, 2018 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Missing cost basis - stock option shares
Replies: 8
Views: 472

Re: Missing cost basis - stock option shares

I have a very similar problem. In the late 70's, early 80's I received shares through an ESOP. I cannot find any of my records going back that far. Stocks have been transferred through multiple brokerages and I have no idea of cost basis. I plan to hold onto them until I'm gone at which point they ...
by Copernicus
Sat Jan 27, 2018 7:28 pm
Forum: Personal Finance (Not Investing)
Topic: Missing cost basis - stock option shares
Replies: 8
Views: 472

Re: Missing cost basis - stock option shares

Do you make charitable donations? Are you still itemizing? I had a few shares with same problem and rather that deal with the accounting uncertainties, I donated them to DAF, got the tax writeoff for the fair market value and didn't have to worry about the cost basis. https://www.fidelitycharitable...
by Copernicus
Sat Jan 27, 2018 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: Missing cost basis - stock option shares
Replies: 8
Views: 472

Re: Missing cost basis - stock option shares

Eventually, when I sell those shares, what do I need to do to report cost basis? How does the IRS determine validity of numbers? The IRS will accept $0 as the cost basis. If you want to provide a higher basis, you should have some reasonable justification for it. Do you have any notes in a tax fold...
by Copernicus
Fri Jan 26, 2018 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: Missing cost basis - stock option shares
Replies: 8
Views: 472

Missing cost basis - stock option shares

Long time ago, I had received a few shares from employer's stock options. The company was acquired by another company, and the site closed. I had received a few shares from employer's stock options. The shares are so old that I do not have records of the stock grant and cost. When the shares were tr...
by Copernicus
Thu Jan 18, 2018 12:07 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing in last 12 months
Replies: 19
Views: 1455

Re: Rebalancing in last 12 months

I just set my contributions to all go to bond funds. That didn't keep up with the crazy stock climb, so I just did my rebalance in Dec. Still 100% contributions buying bonds and I hope they still don't keep up and I need to do an out of cycle rebalance into bonds (and not the other way around :mrgr...
by Copernicus
Thu Jan 18, 2018 12:33 am
Forum: Investing - Theory, News & General
Topic: Rebalancing in last 12 months
Replies: 19
Views: 1455

Rebalancing in last 12 months

As the stock markets have climbed rapidly, how many times did you rebalance during the 12 months?
Or, did you wait for your annual rebalancing date?
Do you go strictly by pre-set rebalancing bands? - or approximately in a range around your rebalancing trigger?
by Copernicus
Wed Jan 17, 2018 6:37 pm
Forum: Investing - Help with Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 5055

Re: Make me feel good about my bond allocation

bottlecap wrote:
Wed Jan 17, 2018 1:34 pm
Age minus 13 is reasonable. I hope you feel better.

JT
I am not familiar with Age-13. Where does it come from?
by Copernicus
Wed Jan 03, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: California - Intermediate Muni Bonds - effect of capital gains tax
Replies: 7
Views: 772

Re: California - Intermediate Muni Bonds - effect of capital gains tax

If you definitely will not need the money back in 2 years, your savings after 2 years would be higher, as it seems that you live frugally; appropriate for the BH philosophy. Looks like you should have the flexibility of not selling the CA muni fund and use some of your savings or CD money for down p...
by Copernicus
Wed Jan 03, 2018 9:41 am
Forum: Personal Consumer Issues
Topic: TurboTax Premier 2017 - First year DIY Taxes
Replies: 9
Views: 1169

Re: TurboTax Premier 2017 - First year DIY Taxes

how much of last year’s data from accountant’s will i have to enter into TT 2017 manually? Is there no way to get That data from pdf file or something? Thanks.
by Copernicus
Tue Jan 02, 2018 2:20 pm
Forum: Personal Consumer Issues
Topic: TurboTax Premier 2017 - First year DIY Taxes
Replies: 9
Views: 1169

TurboTax Premier 2017 - First year DIY Taxes

First year to do DIY taxes using TT. - Looks like Costco sells only CD version? Need to work taxes on both a Mac and a PC. New Mac has no disc drive. If I buy CD version, I can not work on Mac. (one Costco review complains about this) - If I buy online version, does software license allow to downloa...
by Copernicus
Mon Jan 01, 2018 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: Proceeds from RE sale go where for retirement?
Replies: 11
Views: 708

Re: Proceeds from RE sale go where for retirement?

Have you previously decided on an overall allocation plan for your investable assets (usually referred to on this forum for short as "AA" = "asset allocation")? The standard "minimal" decisions we make here are (1) % of stocks versus fixed income in general (2) within your stocks, % of domestic ver...
by Copernicus
Mon Jan 01, 2018 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Side gig, 1099 strategy
Replies: 19
Views: 2213

Re: Side gig, 1099 strategy

Spirit Rider,
Thank you for explaining this so clearly!
c
by Copernicus
Sun Dec 31, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Deluxe Online for 2017
Replies: 13
Views: 2335

Re: TurboTax Deluxe Online for 2017

I have used an accountant for taxes in the past, but serious about switching to DIY using TurboTax (or another software, if easier/more clear to use). I understand that TurboTax can online import W-2 and year-end tax statements from brokerages like Schwab and Vanguard. Correct? What about previous y...
by Copernicus
Sun Dec 31, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Side gig, 1099 strategy
Replies: 19
Views: 2213

Re: Side gig, 1099 strategy

[*]Employer contributions limited to a 25% employer non-elective contribution*. *For the self-employed employer contribution, the self-employed contribution rate of net self-employment income = plan contribution rate / (1.00 + plan contribution rate). E.g. 0.25 / (1.00 + 0.25) = 0.20 or 20% of net ...
by Copernicus
Thu Dec 28, 2017 1:30 pm
Forum: Investing - Theory, News & General
Topic: when S&P sectors are recharacterized
Replies: 2
Views: 203

when S&P sectors are recharacterized

There is talk of changes to technology sector composition since some companies like FB and GOOG now are more communications companies than pure tech. What happens in such a case? Nothing as far as someone holding the whole market or S&P 500 fund, but many investors hold sector funds. Say if someone ...
by Copernicus
Wed Dec 27, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: More bonds now to rebalance?
Replies: 12
Views: 1332

Re: More bonds now to rebalance?

With the stock market's rise, the asset allocations made couple of years ago now must be out-of-whack for many. I wonder whether you are now buying more bond funds for rebalancing, in spite of the rising rates? If they had been rebalancing along the way, they wouldn't be out-of-whack, right? :happy...
by Copernicus
Wed Dec 27, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: More bonds now to rebalance?
Replies: 12
Views: 1332

Re: More bonds now to rebalance?

Are you really saying people should change their asset allocation plan based on a presumption that interest rates, or certain interest rates, are rising/are going to rise now/soon/sometime? I would not make investment decisions that way. dbr, Thanks. It is implicit in "asset allocations made couple...
by Copernicus
Tue Dec 26, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: More bonds now to rebalance?
Replies: 12
Views: 1332

More bonds now to rebalance?

With the stock market's rise, the asset allocations made couple of years ago now must be out-of-whack for many.
I wonder whether you are now buying more bond funds for rebalancing, in spite of the rising rates?
by Copernicus
Tue Dec 26, 2017 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Affect of Rising Interest Rates on Vanguard Total Bond Index
Replies: 24
Views: 3816

Re: Affect of Rising Interest Rates on Vanguard Total Bond Index

nisiprius, Thank you for the amazing clarity and detailed explanation of the hidden facts! Always a pleasure to lean from your posts! Happy New Year to you, and all! With the stock market rise, the allocations made couple of years ago are now out-of-whack. I wonder whether members are now making reb...
by Copernicus
Sat Dec 23, 2017 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund - Family Trust or my name?
Replies: 12
Views: 983

Re: Donor Advised Fund - Family Trust or my name?

This link explains what a 'successor' is. https://www.nptrust.org/donor-advised-funds/faq#can-my-children-be-involved-with-my-donor-advised-fund-account If individuals, not charities, are named as successors - When the original person setting up a DAF dies, the successors inherit the account, can ei...
by Copernicus
Sat Dec 23, 2017 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Donor Advised Fund - Family Trust or my name?
Replies: 12
Views: 983

Donor Advised Fund - Family Trust or my name?

I have a family trust, with both spouses as co-trustees, and the kids as inheritors. Should I open a new a donor advised fund for 2017 deduction with the Trust name or two spouses' names or with a 'cause' name like 'education'? Also, should kids be the beneficiaries as with my IRA, or the family tru...
by Copernicus
Tue Dec 19, 2017 5:41 pm
Forum: Investing - Theory, News & General
Topic: Evolution of the S&P 500 Composition
Replies: 12
Views: 2110

Re: Evolution of the S&P 500 Composition

Thank you, JoMoney. I had never heard of that search engine, but will try it next time.
by Copernicus
Sun Dec 17, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Evolution of the S&P 500 Composition
Replies: 12
Views: 2110

Re: Evolution of the S&P 500 Composition

JoMoney wrote:
Sun Dec 17, 2017 2:29 pm

I hit a paywall at that link, here's one that doesn't seem to have one http://www.cetusnews.com/business/Reinv ... 2xf0Z.html
How do you find the version with no paywall?
by Copernicus
Sat Dec 16, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: Evolution of the S&P 500 Composition
Replies: 12
Views: 2110

Re: Evolution of the S&P 500 Composition

nisiprius wrote:
Wed Sep 21, 2016 7:13 am
Vanguard wouldn't need to buy or sell one share of stock to update to the "new" composition.
Here we go, the next changes to sectors:
https://www.barrons.com/articles/reinve ... 1509161295
by Copernicus
Fri Dec 15, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: Why not own every stock sector & rebalance?
Replies: 30
Views: 3314

Re: Why not own every stock sector & rebalance?

A side note. I don't know what Roger Gibson says in his book about a "rebalancing dividend." This is a frequently debated topic here in the forum. I am just going to state the two sides of the debate. I won't go into depth. I believe #2 below. 1) Some people seem to believe that rebalancing can act...
by Copernicus
Wed Dec 13, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: Why not own every stock sector & rebalance?
Replies: 30
Views: 3314

Re: Why not own every stock sector & rebalance?

But interestingly enough (or not... just 18 years of data and you know how random that is), it actually wouldn't have been bad: http://i.imgur.com/gVMMU0h.png https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=1985&firstMonth=1&endYear=2016&lastMonth=12&endDate=12%2F1...
by Copernicus
Mon Oct 16, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3856

Re: Verizon TravelPass

So, from a travelpsass country abroad, if you call or text a number in the US and the travelpass country you are in, Verizon simply counts those call minutes as if called within US? And if you call a number outside the country that you have travelpass for, then international rates apply. Is this cor...
by Copernicus
Sun Oct 15, 2017 12:19 am
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3856

Re: Verizon TravelPass

RudyS wrote:
Sat Oct 14, 2017 9:42 am
But is might be relevant- I'm 80, and not part of the "be on the phone every minute" generation.
Bravo!!
by Copernicus
Fri Oct 06, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 8160

Re: Peter L. Bernstein: Cash BETTER than Bonds

the 1989 article Total Bond Market Index Fund has returned about 6% a year since 1989. How much has cash returned? I have really enjoyed reading the replies to my post! The whole point of the original post was not about maximizing returns from each asset class, but searching for a portfolio that yi...
by Copernicus
Tue Oct 03, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 8160

Re: Peter L. Bernstein: Cash BETTER than Bonds

I have just re-listened to Russ Roberts's 2009 interview with Nassim Taleb on EconTalk. It took place in March 2009, when the market was at its lowest point. (Obviously, they did not know that at the time.) Roberts and Taleb have agreed that the 2008-2009 crisis has demonstrated that cash is an ass...
by Copernicus
Mon Oct 02, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: Peter L. Bernstein: Cash BETTER than Bonds
Replies: 64
Views: 8160

Peter L. Bernstein: Cash BETTER than Bonds

I am NOT thinking giving up on bonds for the fear of rising rates. Recently, I read the 1989 article by Peter L. Bernstein where he recommends that cash should replace bonds in portfolios. Mr. Bernstein states, without reservations, that “bonds should trade places with cash as the “residual stepchil...
by Copernicus
Wed Sep 27, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3856

Re: Verizon TravelPass

[/quote] Just learnt about the 'download' function in this thread! I downloaded Prague map and looked for direction off-line by going airplane mode. I was able to get directions for driving, but not for walking or public transport, or any other options! The message, "No routes found". Have iphone 7....
by Copernicus
Wed Sep 27, 2017 12:37 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3856

Re: Verizon TravelPass

i<3Investing wrote:
Wed Sep 27, 2017 1:02 am
I highly recommend GoogleFi for travel. It's magically good. I've had co-workers who've used it in Europe without problem.
Thank you! I have iPhone and unfortunately, it does not work for iPhone. :(
by Copernicus
Wed Sep 27, 2017 11:53 am
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3856

Re: Verizon TravelPass

Using Google maps offline by downloading maps when on wifi works great, or even downloading the maps when home. I went overseas and was able to use the GPS on my phone without using data for driving directions. However, and I never figured out if this was just something I was doing wrong, I don't b...
by Copernicus
Tue Sep 26, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3856

Re: Verizon TravelPass

............. I prefer to get a local SIM, since it is usually about 20 Euro for plenty of talk/text/data. And, since you have a Verizon phone, the SIM is unlocked. Recent rules in Europe allow you to roam with your data across Europe without paying extra. How to find how much talk/text/data is cov...
by Copernicus
Tue Sep 26, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3856

Re: Verizon TravelPass

I will be traveling for about 8 days in Prague and 12 in UK. Where does one get the SIM card and does the same card work in both countries?
by Copernicus
Tue Sep 26, 2017 7:13 pm
Forum: Personal Consumer Issues
Topic: Verizon TravelPass
Replies: 45
Views: 3856

Verizon TravelPass

I have Verizon with unlimited domestic calls and texts, and 2 Gb data. I want to use it in Prague and London for walking directions to places, some calls, texts, etc. If I get Verizon TravelPass, I would pay $10 per day/24 hours, and consume my domestic data package. If I use less than my 2 Gb data ...
by Copernicus
Sun Sep 17, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: The Difference Between Risk and Uncertainty
Replies: 41
Views: 3240

Re: The Difference Between Risk and Uncertainty

Uncertainty has only one definition, whereas, risk is defined differently depending on the context. Investment returns are uncertain. The more uncertain the outcome the more risky the venture. Some may simply define risk as the possibility of a loss of investment value. When markets reach new highs,...
by Copernicus
Sun Aug 27, 2017 7:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard’s New Bond ETFs
Replies: 0
Views: 465

Vanguard’s New Bond ETFs

http://www.barrons.com/articles/vanguar ... 1503724850

Anyone know what the proportions of individual ETFs will constitute the new ETF of ETFs?
And how would you use such a product in your portfolio?
by Copernicus
Sun Jun 18, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: Moving to SF Bay Area, Considering REITs for investments
Replies: 14
Views: 2562

Re: Moving to SF Bay Area, Considering REITs for investments

I went through the exact same thing a long time ago. Sold house on the East Coast, moved with the family to Bay Area, rented for 5 - 6 years, until I felt sure that I will live here for good. No, I did not buy REITs. I would suggest just putting money into S&P Index fund and hope for the best. I wil...
by Copernicus
Thu May 25, 2017 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: TRUST - If Original copies are missing
Replies: 1
Views: 473

TRUST - If Original copies are missing

State: California
When the Trustee dies, the original copies are missing from both the family and the attorney who prepared the trust. Only electronic copies are available. Is that a big problem for the inheritors?
What do they have to do to receive the assets in the trust after the Trustee dies?
by Copernicus
Sun Apr 30, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Help create a Financial Presentation: Calling all Bogleheads
Replies: 122
Views: 19351

Re: Help create a Financial Presentation: Calling all Bogleheads

If there is any ongoing project where I can be of help, please let me know. I would like to contribute, but am unsure what assistance I might be able to provide.
by Copernicus
Sun Apr 23, 2017 11:20 pm
Forum: Investing - Theory, News & General
Topic: Passive and Active, All the Time?
Replies: 15
Views: 1715

Re: Passive and Active, All the Time?

Searching, and failing to find, Sauter's paper, I did run across this, from Vanguard U.K., which Vanguard warns is only for institutional investors--"This video is directed at professional investors and should not be distributed to, or relied upon by retail investors." Combining Active and Passive ...
by Copernicus
Sun Apr 23, 2017 8:19 pm
Forum: Investing - Theory, News & General
Topic: Passive and Active, All the Time?
Replies: 15
Views: 1715

Re: Passive and Active, All the Time?

You could use a passive/active approach, particularly with Vanguard where you have active funds that are both low-cost and relatively good performers. I have invested active/passive for years now though my passive portion is growing and the active portion is shrinking in portfolio weighting. Since ...
by Copernicus
Sun Apr 23, 2017 3:56 pm
Forum: Investing - Theory, News & General
Topic: Passive and Active, All the Time?
Replies: 15
Views: 1715

Passive and Active, All the Time?

http://blogs.barrons.com/penta/2017/03/10/be-passive-and-active-all-the-time/ In posting this article in Barron's, I am interested in knowing if any experts agree/disagree with the observation that there have been periods in market history when active performed better than passive investing, what we...
by Copernicus
Wed Mar 22, 2017 7:37 pm
Forum: Personal Consumer Issues
Topic: Kitchen island
Replies: 43
Views: 3153

Re: Kitchen island

the space between counters on all sides should be sufficient to move your biggest appliance in and out, plus some more room. It looks like you have sufficient space between counters, but sometimes the dolly carrying the appliance may be bigger or, with the angles around the island, more room can be ...
by Copernicus
Mon Mar 13, 2017 7:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Wiki - Create your own book, download PDF files
Replies: 6
Views: 2202

Re: Wiki - Create your own book, download PDF files

LadyGeek,
I was thinking that if a PDF is available to download from the wiki itself for each 'chapter' or section, an individual reader could easily download the information area of immediate interest, instead of each member making PDFs of individual pages. Thanks,