Search found 373 matches

by Offshore
Sun Feb 04, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: TLH in a Tax Exempt Bond Fund
Replies: 1
Views: 291

TLH in a Tax Exempt Bond Fund

I'm so confused. It's over TLH'ing from a tax exempt bond fund. This is in our Wiki, Titled " Tax Exempt Funds ": "Although not a wash sale, there is a special rule for tax exempt funds that have been held less than 6 months and which have distributed dividends, which acts like a wash sale, but can ...
by Offshore
Sat Feb 03, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: switching cost basis methods at VG
Replies: 2
Views: 283

switching cost basis methods at VG

I have read our Wiki page on cost basis methods, here https://www.bogleheads.org/wiki/Specific_identification_of_shares . My question is, at VG, can I switch methods to specific share, to TLH, then switch back to average cost? Are there caveats to such an action? I tried to compare the losses genera...
by Offshore
Wed Jan 17, 2018 6:58 pm
Forum: Investing - Help with Personal Investments
Topic: Conditional Puts - Death Of Holder
Replies: 2
Views: 347

Conditional Puts - Death Of Holder

Does anyone know what "Conditional Puts - Death of Holder" means... in layman's terms!

I'm looking at new issue CD's at Vanguard. Every CD I'm interested in says this. All have FDIC numbers. Some indicate restricted states.

Thanks,
Offshore
by Offshore
Mon Jan 08, 2018 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Intermediate-Term Tax-Exempt Fund
Replies: 9
Views: 2036

Re: Vanguard Intermediate-Term Tax-Exempt Fund

venkman,

I thank you for your reply. Clear and civil (like this board used to be a decade ago). Appreciate you sharing your knowledge.

Offshore
by Offshore
Sun Jan 07, 2018 9:34 pm
Forum: Investing - Help with Personal Investments
Topic: VWIUX vs VBTLX in 24% tax bracket
Replies: 8
Views: 1303

Re: VWIUX vs VBTLX in 24% tax bracket

OP, I'm in a similar situation as you, with taxable savings in VWIUX. TBM is not a great option due to tax consequence, right? When comparing VWIUX with TBM, what do you think about risk, as it pertains to potential for losses. Are they equivalent? Thanks.

Off Shore
by Offshore
Sun Jan 07, 2018 9:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Intermediate-Term Tax-Exempt Fund
Replies: 9
Views: 2036

Vanguard Intermediate-Term Tax-Exempt Fund

I'd like to know the risk of Intermed. Term. Tax Exempt bond fund as compared with TBM. Most of my retirement savings is after tax savings. Being close to retirement our AA is 55% fixed income, with about 20% of our total portfolio's value held in Vanguard Intermediate-Term Tax-Exempt Fund. Vanguard...
by Offshore
Sun Jan 07, 2018 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: PE firm is buying my [medical] practice. Help!
Replies: 32
Views: 4304

Re: PE firm is buying my practice. Help!

I am a physician as well. My practice looked at selling to a PE firm some years ago. We did not (remain a private practice). We saw little upside, and much to be fearful of. I get it that you have no choice in the sale. You indicate that you do have a choice in investing in the firm. I can not give ...
by Offshore
Mon Jan 01, 2018 9:06 am
Forum: Investing - Help with Personal Investments
Topic: Seeking a good read
Replies: 5
Views: 514

Re: Seeking a good read

Thanks for the replies. Helpful.

Offshore
by Offshore
Sun Dec 31, 2017 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking a good read
Replies: 5
Views: 514

Seeking a good read

I am 3-5 years to retirement. It's been a while since I've read a financial book, having been on "cruise control" with our portfolio for 14 years, only adjusting the stock:bond ratio as I have aged. I'm hoping to read about considerations such as when my wife and I should begin drawing SS, what % of...
by Offshore
Sun Dec 17, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Dryer Vent Door Replacement
Replies: 5
Views: 828

Re: Dryer Vent Door Replacement

I've had your situation and did the fix myself. It's easy and you can handle it. Winter is not the time to do this job, if you live in a cold weather location. I found the part I needed at Home Depot, but Lowes has competing stock that is very similar. If you want an exact match to what you removed,...
by Offshore
Sun Dec 17, 2017 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Worth it financially to trade my Tesla Model S for a Model 3? Got my configuration invite
Replies: 34
Views: 2571

Re: Worth it financially to trade my Tesla Model S for a Model 3? Got my configuration invite

I will not offer advice to the OP based upon his question, but do have a question for anyone who has been invited to configure their model 3 order.

Is there a dual motor option on the config order? If one is willing to wait, has Tesla given an approximate wait time?

Offshore
by Offshore
Sat Oct 21, 2017 3:05 pm
Forum: Investing - Theory, News & General
Topic: "Trading Sinks, Stoking Fears"
Replies: 4
Views: 669

Re: "Trading Sinks, Stoking Fears"

Telemark, that's exactly what I'm thinking. Buy and hold investors who use passive strategy should not be affected by trading volume, as far as I know.
by Offshore
Sat Oct 21, 2017 6:09 am
Forum: Investing - Theory, News & General
Topic: "Trading Sinks, Stoking Fears"
Replies: 4
Views: 669

"Trading Sinks, Stoking Fears"

Front page new, WSJ, 10/20/2017. Report of how trading volume is 12% lower this month than a year ago. They blame ultra low volatility, lack of market moving news and the rising popularity of passive investing. Is low trading volume a problem, especially for passive investors who do not seek bargains?
by Offshore
Sun Aug 20, 2017 7:19 am
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 12448

Re: Anyone planning on never retiring?

As a physician it has been a long path traveled. Having said that, at 57, I am ready for my next chapter. I suspect medicine is no different than other occupations, in that time brings change. The older I get, the tougher change is to embrace. I plan to retire from clinical medicine in 3 years and h...
by Offshore
Sun Jul 16, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: Reimbursed HSA expense?
Replies: 4
Views: 552

Reimbursed HSA expense?

Concierge medicine costs $6,500. in my town. I am considering it for my family. Can the cost be paid from an HSA? Bear in mind, the concierge medicine physician becomes the primary care physician, with a longitudinal relationship (not a one time visit). Here is one answer I found, but a bit confusin...
by Offshore
Sun Apr 23, 2017 7:51 am
Forum: Investing - Help with Personal Investments
Topic: VG Advisory Services
Replies: 7
Views: 1032

Re: VG Advisory Services

dbr, retiredjg,

Thank you for your reply. I appreciate your opinions.
by Offshore
Sun Apr 23, 2017 5:34 am
Forum: Investing - Help with Personal Investments
Topic: VG Advisory Services
Replies: 7
Views: 1032

VG Advisory Services

Generally, we were very close to an AA that VG recommends. There was one glaring difference, that is, they recommend international bonds. We have zero exposure to international bonds. From our 50:50 portfolio, they recommended 9% of total portfolio value in international bonds. Now, our AA is pretty...
by Offshore
Sun Apr 23, 2017 5:20 am
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2959

Re: National Parks in Northern CA

Thank you to all who replied!
I've had some great family vacations from listening to others on this forum.

BTW, I phoned a few days ago and was able to secure 2 rooms at Tanaya Lodge in Yosemite. I was locked out of Sequoia NP (booked).

Will let you all know how it goes!
by Offshore
Sat Apr 22, 2017 5:37 pm
Forum: Personal Consumer Issues
Topic: National Parks in Northern CA
Replies: 34
Views: 2959

National Parks in Northern CA

Help me plan our summer vacation (July)! We will start at Yosemite National Park. I have one week and a rental car. Our son is 15, and he will bring a friend, so 4 of us. Please make some recommendations on what else to see and do. We are thinking of driving down to Sequoia National Park and/or King...
by Offshore
Fri Mar 24, 2017 5:01 pm
Forum: Personal Consumer Issues
Topic: How to make my old MacBook to work?
Replies: 20
Views: 1814

Re: How to make my old MacBook to work?

by clsms » Fri Mar 24, 2017 11:26 am I have a 2010 Macbook Pro and my wife has a 2009 Macbook. A few years back, I upgraded both to an SSD hard drive and upgraded the memory to 8GB for each. While it's obviously not going to be as fast as a newer Macbook/Macbook Pro, both upgrades are easy to do on...
by Offshore
Sat Mar 04, 2017 6:15 pm
Forum: Personal Consumer Issues
Topic: Programable thermostat for gas water heater?
Replies: 19
Views: 1739

Re: Programable thermostat for gas water heater?

My gas water heater is so inexpensive, I don't see much savings on a programmable water heater. Here's the deal... hot water temperature is fine all day. In the evening, my family showers. We run out of hot water. My wife says "Turn up the temp. on the water heater". I'm thinking, why pay to heat t...
by Offshore
Sat Mar 04, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Programable thermostat for gas water heater?
Replies: 19
Views: 1739

Programable thermostat for gas water heater?

Is there such a device for gas water heaters? Google search returned no hits. Thx.
by Offshore
Thu Jan 26, 2017 8:51 am
Forum: Investing - Theory, News & General
Topic: Whole life & Annuities
Replies: 11
Views: 1315

Whole life & Annuities

One of my coworkers, about 63 years old, mentioned in conversation yesterday that his retirement savings is now primarily in life insurance and annuities. I was surprised by the life insurance. He is a smart guy, and I thought smart people didn't do that. I have read the seminal tomes of our mentors...
by Offshore
Sun Dec 04, 2016 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Adjust Bond Holdings?
Replies: 8
Views: 917

Re: Adjust Bond Holdings?

dbr, Reasonable questions that I'll presume are not rhetorical, so here are my answers. If you ignored Vanguard's advice before, why would you heed it now? Why would you ever pay attention to advice from Vangaurd? (That is intended as a serious question.) This is the first time I have noticed that V...
by Offshore
Sun Dec 04, 2016 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Adjust Bond Holdings?
Replies: 8
Views: 917

Adjust Bond Holdings?

I've always split bond holdings between TBM and TIPS, with taxable holdings in Int. Term Tax-Exempt. Now, I'm thinking a small change might be helpful and I'd like to get some Boglehead views. #1) Our President elect is expected to be good for business. Does this translate to a new position for corp...
by Offshore
Wed Nov 23, 2016 1:13 pm
Forum: Personal Consumer Issues
Topic: Sharpening Hedge Trimmer Blades
Replies: 8
Views: 1524

Re: Sharpening Hedge Trimmer Blades

Thanks Rodc! Happy to report the job was easy! Blades came off without taking gears apart. I cleaned them, filed them sharp by hand and replaced them all in the same day. Fired the thing up and it didn't explode! I have the Boglehead satisfaction of doing the job for the price of a file and star sha...
by Offshore
Sat Nov 19, 2016 8:50 am
Forum: Personal Consumer Issues
Topic: Sharpening Hedge Trimmer Blades
Replies: 8
Views: 1524

Re: Sharpening Hedge Trimmer Blades

daveatca, Thanks for the link. It appears that this will become a sizable project I wasn't anticipating! I actually had seen the video you linked, but thought "Gosh, there has to be an easier way to do this". This is the first time, ever, I can't find internet instructions for the exact tool I own (...
by Offshore
Thu Nov 17, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: Sharpening Hedge Trimmer Blades
Replies: 8
Views: 1524

Re: Sharpening Hedge Trimmer Blades

Rodc,

Despite what the link says, every YouTube Stihl video shows the blades offset. Even the illustration in the link you provided shows the blades offset.
by Offshore
Thu Nov 17, 2016 10:32 am
Forum: Personal Consumer Issues
Topic: Sharpening Hedge Trimmer Blades
Replies: 8
Views: 1524

Sharpening Hedge Trimmer Blades

I have a Stihl electric hedge trimmer with dull blades that I'd like to sharpen. The Stihl online instructional video begins showing the blades offset, giving easy access to the cutting edges. The machine always comes to rest with the blades lined up, blocking the cutting edges. How do I get them of...
by Offshore
Sun Sep 25, 2016 6:39 pm
Forum: Personal Consumer Issues
Topic: iPhone for teenager
Replies: 8
Views: 1355

Re: iPhone for teenager

I just Googled Cricket. Interesting! So, you use this service and are happy with it?
by Offshore
Sun Sep 25, 2016 6:34 pm
Forum: Personal Consumer Issues
Topic: Rental Cars
Replies: 22
Views: 2413

Re: Rental Cars

+1 for Costco. It is through Avis. In my experience, Hertz and Avis are tops in customer satisfaction, so getting a deal with Avis is great!
by Offshore
Sun Sep 25, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: iPhone for teenager
Replies: 8
Views: 1355

iPhone for teenager

Our son is now a high school freshman and my wife tells me "it's time". AT&T is our carrier. I understand data overage may be an issue. Do Bogleheads have parental suggestions regarding AT&T plans, equipment, tracking features, parental controls/restrictions or monitoring methods? Any information yo...
by Offshore
Mon Sep 19, 2016 5:56 am
Forum: Investing - Theory, News & General
Topic: Online SWR calculator
Replies: 2
Views: 892

Online SWR calculator

I found a retirement calculator on retireearlyhomepage.com It allows the user to set his/her own SWR. "Readers interested in running their own "safe withdrawal" scenarios are invited to download a copy of the Retire Early Safe Withdrawal Calculator. It's a Microsoft Excel workbook (Version 7.0 for W...
by Offshore
Wed Sep 14, 2016 7:25 pm
Forum: Personal Consumer Issues
Topic: 2016 Murano or 2016 Acura MDX
Replies: 36
Views: 5123

Re: 2016 Murano or 2016 Acura MDX

FWIW, we own a 2016 MDX and couldn't be happier. It replaces a '03 MDX (that we still own) with 171,000. miles and not a single issue, other than high miles.

My wife has been sold on Honda products for 40 years. She has never regretted any Honda/Acura product she has owned.
by Offshore
Thu Sep 08, 2016 8:07 pm
Forum: Investing - Help with Personal Investments
Topic: REITS and S&P
Replies: 2
Views: 491

Re: REITS and S&P

Interesting.
Thanks for the reply.
by Offshore
Thu Sep 08, 2016 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: REITS and S&P
Replies: 2
Views: 491

REITS and S&P

Question: Do REITS make up about 3% of the S&P?

If that is the number, to keep an AA exposure steady to REITS, would one simply add 3% to their REIT holding after the breakout?

Thanks-
by Offshore
Sun Jul 10, 2016 9:47 am
Forum: Personal Finance (Not Investing)
Topic: M* Portfolio Monitor
Replies: 0
Views: 463

M* Portfolio Monitor

To those who subscribe to M*, you receive a monthly Portfolio Monitor report. On page 2, there is projected balance that looks out 5, 10, 20 and 30 years, and gives a portfolio value with degrees of confidence of 25%, 50% and 75%. Question: do you know if the projected values are specific to the por...
by Offshore
Sun May 29, 2016 4:11 pm
Forum: Personal Consumer Issues
Topic: Do I want a house with a pool?
Replies: 96
Views: 9043

Re: Do I want a house with a pool?

Never again! There is a constant worry about some new bill coming in. Either it is a worn gasket, a blown pump or something not on the radar. If it's not that, it is expensive chemicals, and we keep the pool in service year round. A swimming pool is not a reversible decision, so think hard before yo...
by Offshore
Fri May 20, 2016 5:00 pm
Forum: Personal Consumer Issues
Topic: Macbook Air - how to keep it running smoothly?
Replies: 18
Views: 2589

Re: Macbook Air - how to keep it running smoothly?

Just yesterday, I visited my local Apple store, computer in hand. I thought I had a failing hard drive and had every intention of leaving the machine at the genius bar for repair (new hard drive). The genius bar technician ran tests and made changes that he said should correct the periodic freezes a...
by Offshore
Fri Apr 01, 2016 4:33 pm
Forum: Personal Consumer Issues
Topic: Antelope Canyon/Cathedral Canyon
Replies: 13
Views: 3499

Re: Antelope Canyon/Cathedral Canyon

Hmm. I was thinking upper, but don't want to be rushed. What is slot canyon?
by Offshore
Fri Apr 01, 2016 3:51 pm
Forum: Personal Consumer Issues
Topic: Tesla Model 3 anyone?
Replies: 279
Views: 25176

Re: Tesla Model 3 anyone?

Put my reservation in the moment the website allowed it. Of course, there are likely tens of thousands of people who reserved before I did, doing so at a dealership. Nevertheless, I am very excited. It you look for it, I began a string on the Tesla S in July, 2012. This is when I discovered Tesla an...
by Offshore
Fri Apr 01, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Antelope Canyon/Cathedral Canyon
Replies: 13
Views: 3499

Antelope Canyon/Cathedral Canyon

Both tours sound amazing! Anyone have a reccommendation?

The trip to Arizona is next week. I just learned about this today, so will make reservations with a tour company today!
by Offshore
Fri Apr 01, 2016 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Acct. for minor, UGMA vs. UTMA?
Replies: 11
Views: 1015

Re: Acct. for minor, UGMA vs. UTMA?

Good stuff. Thank you for the replies.

Grt2bOutdoors, in four days you will celebrate 9 years of posting on this website. I have calculated that if you posted every single day over a 9 year period (3,285 days), you would need make 4.2 posts/day to accumulate 13,827. Good grief, how do you do it!!
by Offshore
Fri Apr 01, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Acct. for minor, UGMA vs. UTMA?
Replies: 11
Views: 1015

Acct. for minor, UGMA vs. UTMA?

Our teenage son had a life cycle event. He received some cash gifts from family and friends, which are his (few thousand dollars). My wife and I opened an account at VG, choosing the Target Date 2060 for him. Maybe, if he is lucky, we will be able to gift him some money down the road, so we would li...
by Offshore
Sun Feb 21, 2016 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: Vacation Homes
Replies: 78
Views: 12011

Re: Vacation Homes

For us, it was never an investment. We fell in love with the location, could afford the carry costs, bought a place about 15 years ago and will list it for sale this spring. When we found ourselves using it sporadically, it went on the rental market. Rental income helped, but still was a financial l...
by Offshore
Sat Jan 30, 2016 9:53 am
Forum: Investing - Help with Personal Investments
Topic: Saturday VG phone support no more?
Replies: 10
Views: 955

Re: Saturday VG phone support no more?

There isn't a lot to gain by pre-loading - a buy order is only a couple clicks. After a question or two with my VG rep., it's time for annual rebalancing which I have not yet done. This is will involve shuffling into and out of 7 funds, so, multiple clicks per fund adds up. Would be nice to get it ...
by Offshore
Sat Jan 30, 2016 9:29 am
Forum: Investing - Help with Personal Investments
Topic: Saturday VG phone support no more?
Replies: 10
Views: 955

Re: Saturday VG phone support no more?

Bummer.
Perhaps you know the answer to what I was going to ask...can one place "buy" orders in a suspended state, or, does VG's system need an investor to submit the order. The question is for mutual funds, not ETF's. Thanks.
by Offshore
Sat Jan 30, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: Saturday VG phone support no more?
Replies: 10
Views: 955

Saturday VG phone support no more?

I know I have called Vanguard on a Saturday.
Their website shows phone support as Monday-Friday only. Has there been a change or is my memory slipping?
by Offshore
Tue Jan 12, 2016 1:11 pm
Forum: Investing - Theory, News & General
Topic: How common is this [Have more money 10+ years into retirement]
Replies: 72
Views: 10812

Re: How common is this [Have more money 10+ years into retirement]

Observations from reading this thread: Folks with more $ into retirement tend to have pensions or some form of income. They retired at an opportunistic period for market returns. They have invested aggressively (% bond allocation something less than current age) All good and well. My sincere congrat...