Search found 317 matches

by Rajsx
Sat Feb 17, 2018 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Help me Eyeball my Taxes on this sale
Replies: 0
Views: 105

Help me Eyeball my Taxes on this sale

We have a contract on selling our Office Building & are trying to guestimate the Taxes & the net Take Home Dollar Amount. Cost Basis of Building in 1999 (Land not included) = 445000 Depreciation taken including 2017 = 206000 ________ Adjusted Cost Basis = 239000 Depreciation Tax @ Flat 25% = 206000 ...
by Rajsx
Fri Feb 16, 2018 7:36 am
Forum: Investing - Help with Personal Investments
Topic: 1031 Exchange
Replies: 1
Views: 167

1031 Exchange

We are working on an offer to sell our rental medical office building, & I am thinking in advance(counting Eggs before they are hatched) how to spend 730k, which we will clear after the selling costs in about 6 weeks. We are ambivalent about 1031 Exchange into other passive commercial investments, o...
by Rajsx
Mon Feb 12, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 116
Views: 10444

Re: Anybody else Age - 10 in bonds, rest in stocks

I am 61, DW is 56.

Our Asset Allocation including CDs is 46% Stocks / 54% ( Bonds + CDs )

We probably have won the game (Why Play)
by Rajsx
Mon Feb 12, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Suggest a Financial Aggregator Site
Replies: 8
Views: 659

Re: Suggest a Financial Aggregator Site

I added my CD & Online Savings accounts on Vanguard OUTSIDE ACCOUNTS & will manually update those balances. Now, they SHOW UP and in the more accurate and some conservative Asset Allocation, I do not need to fool with Personal Capital & the Full View of Fidelity. Thank you very much, I appreciate yo...
by Rajsx
Sun Feb 11, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Suggest a Financial Aggregator Site
Replies: 8
Views: 659

Suggest a Financial Aggregator Site

I need suggestions/Opinions on finding a Financial Aggregator Site where I can see all my investments(Essentially Vanguard) + CDs + Online savings accounts at a single place(website) so I can find my Total Asset Allocation. - I use Mint for my Cash/CD & day to day money Flow, had to remove all inves...
by Rajsx
Wed Feb 07, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate Transaction Question........
Replies: 2
Views: 278

Real Estate Transaction Question........

We are negotiating with a buyer the sale of our whole Doctors Medical Building which has 3 suites with tenants. Buyer(Doctor Group) wants quick access into one suite after the Contract is signed but before the Closing. the reasons being given by the buyer are applying for medicare number, setting up...
by Rajsx
Sat Feb 03, 2018 12:14 pm
Forum: Personal Consumer Issues
Topic: Love your family car? Under $16,000 Used? Please share!
Replies: 57
Views: 7124

Re: Love your family car? Under $16,000 Used? Please share!

A Camry all the way for me ! We have had 4 Camry's in our family, easy to care for, easy to insure, very reliable, a good resale value, enough space & easy ingress for one or even two Car Seats, big trunk space, what is not to like. Sedans are safer to drive, have a lower center of gravity than SUVs...
by Rajsx
Fri Feb 02, 2018 1:30 am
Forum: Local Chapters and Bogleheads Community
Topic: ORLANDO Chapter Bogleheads
Replies: 51
Views: 6100

Re: ORLANDO Chapter Bogleheads

No it is not
by Rajsx
Wed Jan 17, 2018 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: Make me feel good about my bond allocation
Replies: 46
Views: 5027

Re: Make me feel good about my bond allocation

I share the same feeling, wish my asset allocation would call for 70% Stocks, looking at the recent Stock Returns. But, at 61 having almost won the game, I am on the sidelines these days with a safer (I think) 45/55 S/B allocation, my primary goals are a mixture of sustain > grow my portfolio. Enjoy...
by Rajsx
Mon Jan 15, 2018 11:39 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 184
Views: 20088

Re: Anyone disenchanted with retirement?

I want to follow this thread, I am retired for couple years now
by Rajsx
Sat Jan 13, 2018 2:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 2% 12 month CD expires tomorrow
Replies: 13
Views: 2360

Re: Ally Bank 2% 12 month CD expires tomorrow - Lost confidence

Ally is screwing up big time, First they messed up adding my name as the Trustee on my wife's trust account, when orally they admitted their mistake multiple times, as they could see my name clearly on her Trust account papers they have on file & promised the correction & it took 4 phone calls, a fe...
by Rajsx
Wed Jan 10, 2018 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Short Term Investment Bond vs 1yr ALLY CD 2%
Replies: 2
Views: 594

Short Term Investment Bond vs 1yr ALLY CD 2%

I have new money to invest in Fixed Income/Cash section of my Portfolio & I am deciding between A) VFSUX Vanguard Short-Term Investment-Grade Fund Admiral Shares or B) 1 yr ALLY BANK CD at 2%. What I like about VFSUX - I do not have to keep searching & transferring money into a different Bank giving...
by Rajsx
Tue Jan 09, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest now ?
Replies: 13
Views: 1536

Re: Where to invest now ?

Livesoft ! Congratulations on 58000 + Posts on this Forum
by Rajsx
Tue Jan 09, 2018 11:27 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest now ?
Replies: 13
Views: 1536

Re: Where to invest now ?

Another related question, please advise

What are Bogleheads suggested as a general guide(I know not set in stone) for Asset Allocation, I am 61

- Is it 110 - Age in Stocks ? In my case this Stocks come to 50%
OR
-Is it Age in Bonds ? in my case Stocks will be 40%

Thanks
by Rajsx
Tue Jan 09, 2018 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Where to invest now ?
Replies: 13
Views: 1536

Re: Where to invest now ?

Thanks for your opinions, - Wellesley VWIAX - is a good fund, good track record, at present most(90%) of my investments are in INDEX FUNDS, VWIAX has something like 60% in Bonds, I do not know(yet) what is the duration of those Bond Funds. Apart from Short Term Corporate Bonds & also Short Term Inde...
by Rajsx
Mon Jan 08, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Where to invest now ?
Replies: 13
Views: 1536

Where to invest now ?

Since we sold our prior house last year, almost $ 200K have been sitting in an online bank earning 1.5% with decision paralysis. I have no idea what to invest in ? Let me explain......., I am 61, retired now with AA now of 43/57 Stock/Bond%, I have rebalanced regularly in the last few years from the...
by Rajsx
Sun Jan 07, 2018 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Another - Starting Social Security Question
Replies: 30
Views: 1964

Re: Another - Starting Social Security Question

Bedrockcapital's Social Security Analyzer is simple(sweet) , it clearly lays out the best option & its total SS money payments & then a custom scenario Total $$ if you want to test your own inputs. Thank you Smitcat !! The option recommended for the max total payment for my scenario will be for I fi...
by Rajsx
Sun Jan 07, 2018 4:18 pm
Forum: Investing - Help with Personal Investments
Topic: Another - Starting Social Security Question
Replies: 30
Views: 1964

Re: Another - Starting Social Security Question

I filled in both our numbers (lot of numbers) in I -ORP for the first time & the results were very confusing & lot of numbers which did not make a lot of sense. I may have to go back to college to understand this...., By the way I-ORP does not recommend (at least initially) at which ages each of us ...
by Rajsx
Sun Jan 07, 2018 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Another - Starting Social Security Question
Replies: 30
Views: 1964

Re: Another - Starting Social Security Question

Thank you everybody for chiming in, it is difficult to understand & confusing to compare the different scenarios. How will this scenario effect the SS payments ? - If I pass away say at 72 after collecting my maxed out SS payments since age 70, DW will be 67 at that point & would have been collectin...
by Rajsx
Sat Jan 06, 2018 9:57 pm
Forum: Investing - Help with Personal Investments
Topic: Another - Starting Social Security Question
Replies: 30
Views: 1964

Another - Starting Social Security Question

What would you suggest I do........ My original plan was to start taking Social Security at age 70, and to first use the investments to draw from as I thought the amount will be much larger if I started at 70 as many on this board believe. There is no immediate necessity of SS money to maintain our ...
by Rajsx
Sat Dec 23, 2017 2:54 pm
Forum: Investing - Help with Personal Investments
Topic: Ever tempted to shut it down once you have “enough”?
Replies: 37
Views: 4275

Re: Ever tempted to shut it down once you have “enough”?

My Vanguard Asset Allocation is 52/48 S:B, but when I see my larger picture including CDs & Emergency Fund Bank Accounts it is 40S/60B + Cash + Real Estate . I am 61 (age in Bonds +cash). In a way we have won the game but in other ways we have not, but I may go down very gradually to 30/70 as I appr...
by Rajsx
Sat Dec 23, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Bond Mutual Funds -
Replies: 4
Views: 412

Help with Bond Mutual Funds -

In view of recent Federal Rate Hike, and possibly more to come in 2018, I am looking at my Total Bond Index Admiral and my Short Term Investment Grade Admiral Funds, both in Tax Deferred Accounts at Vanguard. I think, I can reduce the risk with moving some funds from VBTLX into VFSUX with not much d...
by Rajsx
Sat Dec 23, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 13555

Re: Will you take this Fidelity bait ?

I am also concerned that if/when I become older and not mentally sharp, that Fidelity would be able to talk me into some of their expensive options. Similarly, I don't know if my heirs will be sharp enough to avoid the Fidelity solicitations. I am confident that I do not need to worry about this at...
by Rajsx
Thu Dec 21, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 13555

Re: Will you take this Fidelity bait ?

Interesting opinions on the Pros & Cons of the transfer between the two major investment funds. To clarify a few points - My Total portfolio including Retirement & Taxable accounts is a mostly index Mutual Fund portfolio, no Etfs or any individual stocks. The advisor did say it will be a in kind tra...
by Rajsx
Thu Dec 21, 2017 8:29 pm
Forum: Investing - Theory, News & General
Topic: Will you take this Fidelity bait ?
Replies: 126
Views: 13555

Will you take this Fidelity bait ?

I went in to the Fidelity Center in our city to meet with their Financial Planner. As I do most of the Portfolio decisions myself I wanted another set of eyes to look over my Vanguard investments for an objective(??) opinion. I have little money still left with Fidelity apart from a 529 . We transfe...
by Rajsx
Tue Dec 05, 2017 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: Help me calculate Depreciation Recapture & Cap Gains
Replies: 7
Views: 556

Re: Help me calculate Depreciation Recapture & Cap Gains

Yes, I caught it,

$ 500,000 - $49500 = $450,500 ,

How about the rest of calculations ? Anybody ?
by Rajsx
Tue Dec 05, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Help me calculate Depreciation Recapture & Cap Gains
Replies: 7
Views: 556

Help me calculate Depreciation Recapture & Cap Gains

I want to eyeball these calculations - We are retired now, & our annual taxable income is 50k from the rental building & another 75 k from Investment Portfolio (Dividends + Cap gains). We file a Joint Tax Return on $125 k income We built a Rental Office Building in 1999 for 450k, we have taken Depre...
by Rajsx
Thu Nov 09, 2017 8:18 pm
Forum: Personal Finance (Not Investing)
Topic: Equity Line Of Credit ??.......
Replies: 16
Views: 1564

Re: Equity Line Of Credit ??.......

Thanks everyone for your replies.

I am still thinking about it, but considering other reserves we presently have like 2 years of expenses in Cash & several other CDs we are leaning towards not applying for this equity line of credit, for now.

Thanks
by Rajsx
Wed Nov 08, 2017 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Equity Line Of Credit ??.......
Replies: 16
Views: 1564

Equity Line Of Credit ??.......

- I am thinking of taking up on the offer of my local banker, and opening a EQUITY LINE OF CREDIT on my paid up house. I do not need any money now or foreseeable future as I have enough cash in the bank. He said it will be set up at no cost to me for Home Appraisal & paper work etc... I can just kee...
by Rajsx
Fri Oct 13, 2017 5:50 pm
Forum: Investing - Help with Personal Investments
Topic: Utah Vs. New York 529 - Which one and why?
Replies: 26
Views: 3870

Re: Utah Vs. New York 529 - Which one and why?

I had NY 529 for both kids & Utah for my grand daughter & son. Both are managed by Vanguard I wanted to consolidate both 529s at one place NY rather 2 different 529s to follow. Last week I called NY 529 (Essentially I called Vanguard ) & completed the papers to Rollover from Utah to NY & mailed them...
by Rajsx
Wed Oct 04, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index IRA vs CD IRA
Replies: 9
Views: 1018

Re: Total Bond Index IRA vs CD IRA

Thanks Dandy, I too want to have a diversified Fixed income portfolio, & am trying to move some Bond Funds to the CDs
I have a 50/50 asset allocation of our Total Portfolio although due to the rise of late in the stocks, it has drifted to 53 S/47 B.

Thanks
by Rajsx
Tue Oct 03, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index IRA vs CD IRA
Replies: 9
Views: 1018

Re: Total Bond Index IRA vs CD IRA

I got it
When interest rates rise, the value of Bonds goes down
by Rajsx
Mon Oct 02, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index IRA vs CD IRA
Replies: 9
Views: 1018

Re: Total Bond Index IRA vs CD IRA

Thanks everybody for chiming in, Mike Piper's write up on Bonds vs CDs was informative, please let the suggestions coming. Hi Frank, in your post you wrote - " Unlike equities, the risk of "missing out on a rally" really isn't there, but then again the risk of losing tons of value on a bond fund pro...
by Rajsx
Sun Oct 01, 2017 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index IRA vs CD IRA
Replies: 9
Views: 1018

Total Bond Index IRA vs CD IRA

I am tempted to transfer monies out Of Vanguard Total Bond Index ADM & other short Term Bond Funds in my IRA to CD IRA . I have been a long term Vanguard Investor but seeing the present & projected Bond Fund returns , the CDs IRA now appear favourable. What do you think ?? Has anybody else noticed t...
by Rajsx
Tue Aug 29, 2017 12:32 am
Forum: Investing - Help with Personal Investments
Topic: We are well set but........the Asset Allocation ??
Replies: 16
Views: 2144

Re: We are well set but........the Asset Allocation ??

I value your feedback, I am learning from them. Keep them coming.

Thanks everyone
by Rajsx
Mon Aug 28, 2017 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: We are well set but........the Asset Allocation ??
Replies: 16
Views: 2144

Re: We are well set but........the Asset Allocation ??

Thanks Bloom, Few things which are making me edge towards 40% Stocks are - 1) I have read & heard 100 - age = Stock % So, 100 - 61 = 39 % Stocks ? 2) The probable impending end to the long running Bull (I know that nobody knows) , has something to do with me wanting to go more conservative. 3) Berns...
by Rajsx
Mon Aug 28, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: We are well set but........the Asset Allocation ??
Replies: 16
Views: 2144

Re: We are well set but........the Asset Allocation ??

The present income is from a office rental + some disability income.

Thanks
by Rajsx
Mon Aug 28, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: We are well set but........the Asset Allocation ??
Replies: 16
Views: 2144

We are well set but........the Asset Allocation ??

Listen to our investment story & please advise on our Asset Allocation. Do we need to come down to 40% stock & 60% Bonds from our present 50% Stocks ? I am 61 & DW 56 both retired with a Portfolio of $4.5 million 90% index fund Vanguard Portfolio , with a Asset Allocation of 50% Stocks & 50% Bonds. ...
by Rajsx
Sat Apr 08, 2017 6:17 am
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 10102

Re: A SUV for towing a Travel Trailer

- I went ahead & bought a new Highlander XLE AWD V6 & the 5000 lb Tow Prep comes standard. - Our mechanically sound 2003 Avalon had a sizable dent on its passenger front door, and it was increasingly getting intolerable to drive it any more, so we decided to replace that vehicle. The body work estim...
by Rajsx
Sun Mar 26, 2017 5:30 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 10102

Re: A SUV for towing a Travel Trailer

Thanks every one for your valuable input, I have decided to tow my Escape 17B back to Florida by our Lexus RX 350.

I will see how it tows & will upgrade if needed.

Thanks again
by Rajsx
Thu Mar 23, 2017 8:05 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 10102

Re: A SUV for towing a Travel Trailer

I appreciate every one for your feedback. Keep the suggestions coming.



Thanks
by Rajsx
Mon Mar 20, 2017 7:08 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 10102

Re: A SUV for towing a Travel Trailer

Thanks for all the replies, I appreciate your in put. I had prepared the (already owned) RX 350 (3500 lbs capacity) with a class III Hitch & a Brake Controller to tow the single axle 17' fiberglass escape trailer with electric brakes, as many are towing with a similar set up of Sienna & Odyssey Vans...
by Rajsx
Sun Mar 19, 2017 8:59 pm
Forum: Personal Consumer Issues
Topic: A SUV for towing a Travel Trailer
Replies: 71
Views: 10102

A SUV for towing a Travel Trailer

I am getting prepared to buy a SUV for towing a 3200 lb loaded Travel Trailer with Brakes due in May 2017. I have read up on many automobile reviews, write ups..etc but I am looking for your take on one and reasons for suggesting that particular SUV from a Towing & vehicle reliability are concerned....
by Rajsx
Fri Jan 27, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Contribute IRA/Roth IRA -
Replies: 5
Views: 542

Re: Contribute IRA/Roth IRA -

Thanks for chiming in, I need some tax deferred space in my portfolio for investing in Bonds. As I am not getting any younger, & I am trying to keep the Asset Allocation of 50/50 Stock/Bond , Bonds in a Taxable Account keeps accruing taxes with their dividends at my income tax rate. I guess I can/wi...
by Rajsx
Fri Jan 27, 2017 8:05 am
Forum: Investing - Help with Personal Investments
Topic: Contribute IRA/Roth IRA -
Replies: 5
Views: 542

Contribute IRA/Roth IRA -

Do any of the incomes qualify to contribute to IRA/Roth IRA - ?

1) Dividend Income
2) Capital Gains

3)Rental Income from a LLC

4)Private Individual Disability Policy- Non taxable

Thanks for any and all replies

-
by Rajsx
Mon Jan 16, 2017 4:29 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6971

Re: Disheartening to hear this about Vanguard

Livesoft,

My bad, thanks for your explanation & I withdraw my statement .


Regards
by Rajsx
Mon Jan 16, 2017 3:12 pm
Forum: Personal Finance (Not Investing)
Topic: Disheartening to hear this about Vanguard
Replies: 33
Views: 6971

Disheartening to hear this about Vanguard

https://www.consumeraffairs.com/automated-investment-services/vanguard.html I have had problems with getting the correct cost basis & capital gains on sale of my Taxable accounts. Vanguard just write's various & just follow average cost basis (easier for them) & I have been with Vanguard for 20+ yea...
by Rajsx
Sun Dec 18, 2016 10:44 pm
Forum: Personal Consumer Issues
Topic: Personal fulfillment in retirement
Replies: 37
Views: 6101

Re: Personal fulfillment in retirement

1 year 9 months into Retirement at 59, having a great time of our lives. Ex Colleagues keep inquiring how I managed to retire,or if am I getting bored & if I am looking for a Part Time Job. I worked as a Specialist Doc., saw & lived the gradual destruction of a great profession, could not bear the o...