Search found 6370 matches

by Sidney
Fri Aug 19, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: Unlimited Data Plans
Replies: 5
Views: 598

Re: Unlimited Data Plans

I seem to recall that some of the "unlimited" plans throttle back the speed after you reach a certain data consumption point. That might affect what you can practically do with the data plan after that point.
by Sidney
Fri Aug 19, 2016 8:50 am
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5845

Re: Improving the Bogleheads forum

livesoft wrote:Here's one: Every time Warren Buffett's name is spelled wrong, the forum software could automatically correct it. :)

or at a minimum, tell us when, where and what food is being served.
by Sidney
Wed Aug 17, 2016 7:13 am
Forum: Investing - Help with Personal Investments
Topic: Anyone else getting nervous and converting to cash as a short-term move?
Replies: 100
Views: 7081

Re: Anyone else getting nervous and converting to cash as a short-term move?

When I retired 9 years ago I set my allocation such that I wouldn't get nervous.
by Sidney
Mon Aug 15, 2016 4:56 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 5845

Re: Improving the Bogleheads forum

bo105954027 wrote:Please add "Thumb up" or "Like" button in replies so that people can easily find out the most helpful answers in each topic.

I think this has come up multiple times and been rejected.
by Sidney
Wed Aug 03, 2016 9:46 am
Forum: Investing - Help with Personal Investments
Topic: No use for managed bond fund I assume?
Replies: 9
Views: 781

Re: No use for managed bond fund I assume?

All my bond funds are managed. VG Tax exempt and Investment Grade funds.
by Sidney
Sun Jul 31, 2016 8:08 pm
Forum: Investing - Theory, News & General
Topic: Does anyone else create "mirror" accounts?
Replies: 9
Views: 1400

Re: Does anyone else create "mirror" accounts?

The problem with benchmarking yourself against yourself is that you need to do it for a long time. I am about half-way through my investing horizon and I am already 30 years invested. A 25-30 year run would be a reasonable start at a comparison but by then you have potentially blown half your invest...
by Sidney
Sat Jul 30, 2016 9:20 am
Forum: Personal Consumer Issues
Topic: NYT cautionary tale on the cloud
Replies: 37
Views: 3922

NYT cautionary tale on the cloud

http://www.nytimes.com/2016/07/30/opini ... inion&_r=0

I think one takeaway is to make sure that the cloud copy is not your only copy - at least for anything important.
by Sidney
Thu Jul 28, 2016 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA as primary account
Replies: 12
Views: 511

Re: Rollover IRA as primary account

I may not have this all correct but if you ever want to roll the rollover IRA back into an employer plan (e.g. 401(k)), you would need to keep the rollover IRA account separate.
by Sidney
Mon Jul 18, 2016 9:50 am
Forum: Investing - Help with Personal Investments
Topic: cannot wrestle IRA from custodian. Help?
Replies: 33
Views: 2759

Re: cannot wrestle IRA from custodian. Help?

I would be inclined to send them a certified letter requesting that they expedite the transfer or you will report them to the Department of Labor.
by Sidney
Mon Jul 18, 2016 9:00 am
Forum: Investing - Help with Personal Investments
Topic: IRA Wellesley only
Replies: 14
Views: 1616

Re: IRA Wellesley only

Since we don't know what your total portfolio looks like, we really can't say anything helpful.
by Sidney
Sun Jul 17, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Concerned about a market bubble – looking for safer funds
Replies: 16
Views: 1663

Re: Concerned about a market bubble – looking for safer funds

dcopley652 wrote: rumor is interest rates will likely rise in December.

yes, I have been hearing that rumor for a few years now.
by Sidney
Thu Jul 14, 2016 9:17 am
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 64
Views: 3787

Re: Passwords

brak wrote:Can people please define what "good security practices' on a computer involve? Thanks.

If you are referring to more broadly than passwords, I'd suggest starting a separate thread.
by Sidney
Thu Jul 14, 2016 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Going into the market in a big way NOW?
Replies: 14
Views: 1923

Re: Going into the market in a big way NOW?

I would be inclined to either go all in or average in over a fairly short time (mainly for psychological reasons - I don't think there is any evidence that averaging is better than lumping). But, to paraphrase some posts by livesoft in other threads, be prepared mentally to lose money. Design your h...
by Sidney
Mon Jul 11, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: Lock down Roth IRA [withdrawals by] Young Adult?
Replies: 13
Views: 1109

Re: Lock down Roth IRA [withdrawals by] Young Adult?

I really was anxious to open the Roths sooner for the obvious tax reasons & compounding tax free, but if the whole thing could be in jeopardy, it's probably best to invest it in separate accounts to keep it safe. Would they likely be investing this in equity (presumably for their retirement man...
by Sidney
Fri Jul 08, 2016 7:23 am
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 148
Views: 9382

Re: How many of you have cut cord?

westie wrote:Reading this thread it appears to me many people are cutting one "cord" and creating new "cords" with multiple subscriptions and end up with very limited access to TV entertainment.

sort of like paying for smoking cessation drugs
by Sidney
Wed Jul 06, 2016 10:30 am
Forum: Personal Consumer Issues
Topic: Strange Printer Problem
Replies: 7
Views: 516

Re: Strange Printer Problem

Entirely deleting and adding back in, the printer seems to have done the trick. I learned that this printer - Canon MF3010, has been discontinued, so I wonder how much longer I might have until the Mac can no longer communicate with it...since Canon won't be issuing any software updates for it. Tha...
by Sidney
Wed Jul 06, 2016 10:09 am
Forum: Personal Finance (Not Investing)
Topic: 2.05% Five year CD looking very tempting with FDIC
Replies: 3
Views: 918

Re: 2.05% Five year CD looking very tempting with FDIC

Low inflation, flight to safety. Is the CD callable?
by Sidney
Sat Jul 02, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: Living off dividends/interest in retiremeht
Replies: 60
Views: 6616

Re: Living off dividends/interest in retiremeht

Let me explain: currently I have a portfolio that has two buckets, a short term one, composed of a 4 year ladder of bonds (TIPS) yielding almost nothing, and a second bucket that has intermediate term bond funds and a global stock fund that it replenishes the ladder as it gets depleted. If I decide...
by Sidney
Thu Jun 30, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: Tipping Etiquette Question.
Replies: 37
Views: 3418

Re: Tipping Ettiquet Question.

Not to get off topic (though the topic is tipping etiquette), I often get confused on tipping when getting comped stuff. Particularly stuff I didn't order or necessarily want (appetizers, desserts, etc.) Sometimes I think I am tipping so much that I would be better off not getting free things! If I...
by Sidney
Thu Jun 30, 2016 7:22 am
Forum: Personal Consumer Issues
Topic: Expenses for Retirees 5+ years
Replies: 9
Views: 1566

Re: Expenses for Retirees 5+ years

Retired in early 2008. Because the recession created good deals on remodeling contractors we increased our overall spending significantly in 2008-10 on some major remodeling/renovation projects that had been on our radar. Those are over now. Since then, probably the largest increase has been charita...
by Sidney
Tue Jun 28, 2016 4:25 pm
Forum: Personal Consumer Issues
Topic: Any experts to explain periodontal maintenance?
Replies: 6
Views: 743

Re: Any experts to explain periodontal maintenance?

Just curious, after 20 years of paying the difference, you haven't asked the dentist?
by Sidney
Sat Jun 25, 2016 12:22 pm
Forum: Investing - Theory, News & General
Topic: What did you learn from the post-Brexit bloodbath?
Replies: 145
Views: 11660

Re: What did you learn from the post-Brexit bloodbath?

Bonds do the job they are supposed to do in my portfolio.
by Sidney
Fri Jun 24, 2016 7:34 am
Forum: Investing - Theory, News & General
Topic: International stocks in free fall
Replies: 118
Views: 10597

Re: International stocks in free fall

This is a time to closely monitor unrealized gains and losses. Tax loss harvesting opportunities pop at times like this. Don't miss them.
by Sidney
Thu Jun 23, 2016 8:23 pm
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 16574

Re: Actionable advice in a Brexit scenario

The day has arrived ... and I have done and will continue to do nothing different than the day before. Actually, things look pretty good thus far... :) :beerCheers, packet Mrs. Doc "invested" in Euros and Pounds yesterday. Total investment approx $450 US. :D (If she was going to buy today...
by Sidney
Tue Jun 21, 2016 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Wanting to start direct bond investing.
Replies: 22
Views: 1571

Re: Wanting to start direct bond investing.

peterinjapan wrote: bond funds seem scary and go up and down for reasons I can't begin to fathom,

Whatever causes bond funds to go up and down will also cause individual bonds to go up and down. There is nothing magical about funds - they are just collections of individual bonds.
by Sidney
Sun Jun 19, 2016 11:00 am
Forum: Personal Finance (Not Investing)
Topic: How to go about using a grandmother gift for down payment?
Replies: 5
Views: 332

Re: How to go about using a grandmother gift for down payment?

The example is for the person who makes the gift. Gift taxes do not affect the recipient.
by Sidney
Sun Jun 19, 2016 10:26 am
Forum: Personal Finance (Not Investing)
Topic: How to go about using a grandmother gift for down payment?
Replies: 5
Views: 332

Re: How to go about using a grandmother gift for down payment?

There would normally not be tax implications for you.
by Sidney
Sun Jun 19, 2016 10:17 am
Forum: Investing - Theory, News & General
Topic: What's the ideal safe retirement net worth target?
Replies: 162
Views: 16958

Re: What's the ideal safe retirement net worth target?

Impromptu wrote:My molecules survived and/or were formed by a supernova. I think I can handle a little heat.

As long as it is a dry heat.
by Sidney
Sun Jun 19, 2016 9:19 am
Forum: Forum Issues and Administration
Topic: New Board Index Topic - Retirement Planning
Replies: 42
Views: 3856

Re: New Board Index Topic - Retirement Planning

I don't even look at which forum a posting is in. I pretty much go by the subject.
by Sidney
Sat Jun 18, 2016 7:56 pm
Forum: Personal Finance (Not Investing)
Topic: Bill Pay to charitable organizations
Replies: 18
Views: 780

Re: Bill Pay to charitable organizations

Bank statements are accepted by the IRS (based on a couple of my own audits.) In recent years,a bank statement (or credit card statement) would only suffice for donations under $250. Any donation of $250 or more requires a contemporaneous letter from the charity with the "No goods or services ...
by Sidney
Sat Jun 18, 2016 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Bill Pay to charitable organizations
Replies: 18
Views: 780

Re: Bill Pay to charitable organizations

Bank statements are accepted by the IRS (based on a couple of my own audits.)
by Sidney
Sat Jun 18, 2016 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Bill Pay to charitable organizations
Replies: 18
Views: 780

Re: Bill Pay to charitable organizations

sport wrote:Most charities will send a thank you letter, but that is not reliable.

Aren't they required too (except for small amounts)?
by Sidney
Sat Jun 18, 2016 2:46 pm
Forum: Personal Finance (Not Investing)
Topic: Using 60 day rollover as cash buffer while buying a house
Replies: 24
Views: 2256

Re: Using 60 day rollover as cash buffer while buying a house

Why not leave it there until you need it?
by Sidney
Thu Jun 16, 2016 2:24 pm
Forum: Personal Consumer Issues
Topic: uber with no smart phone?
Replies: 19
Views: 1563

Re: uber with no smart phone?

livesoft wrote:Your mechanic should provide free drop-off and pick-up.

or get a folding bike and pop it in the trunk of the car
by Sidney
Wed Jun 08, 2016 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Taxation of house sale proceeds
Replies: 7
Views: 783

Re: Taxation of house sale proceeds

I'd stay out of this if I were you. I'm not an expert but I think the first transaction ($1) was a sham.
by Sidney
Mon May 16, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Is it OK to leave home wifi on?
Replies: 55
Views: 4008

Re: Is it OK to leave home wifi on?

If you are using a strong encryption key and the latest encryption protocol, you should have no issue with leaving WIFI on.
by Sidney
Wed May 11, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 11849

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

Thanks I'm not a TB fan in part due to the mortgage bonds. I'm not sure going 100% corporate is the right answer either. I suppose I could go 100% treasury but if I did that, buying individual bonds is the answer - painless, fast and no need for diversification other than duration. My tax rate is re...
by Sidney
Wed May 11, 2016 9:36 am
Forum: Investing - Theory, News & General
Topic: NY Times article on the "tip of the iceberg" that is Puerto Rico
Replies: 76
Views: 11849

Re: NY Times article on the "tip of the iceberg" that is Puerto Rico

For someone who wanted to continue using a fund rather than individual bonds, would your recommendation be to consider shifting from VG muni to someone like Baird?
by Sidney
Sat Apr 23, 2016 7:52 pm
Forum: Personal Consumer Issues
Topic: Windows Error message
Replies: 15
Views: 848

Re: Windows Error message

abuss368 wrote:I do not miss these days! Moving our entire home to Apple products was the best computer decision we ever made!

Does it make you feel better roaming around to various Windows threads and gloating about Apple products?
by Sidney
Fri Apr 22, 2016 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: 2014 Amended Return
Replies: 10
Views: 473

Re: 2014 Amended Return

Sounds right but I am not familiar with CA requirements. Most states echo Federal requirements.
by Sidney
Fri Apr 22, 2016 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: 2014 Amended Return
Replies: 10
Views: 473

Re: 2014 Amended Return

I assume you mean the 1040X. All you send is the 1040X and any schedule that has changed. In your case it is probably Schedule B.
by Sidney
Fri Apr 22, 2016 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: how much to tilt when slicing and dicing 7%?
Replies: 44
Views: 3078

Re: how much to tilt when slicing and dicing 7%?

I seem to recall that Vanguard's SCV fund held a pretty good slug of REITS at one point. Not sure what they hold now. That should be factored in if using both the SCV index and REIT in a portfolio.
by Sidney
Wed Apr 20, 2016 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: Question about calculating tax basis
Replies: 6
Views: 529

Re: Question about calculating tax basis

Just use the ordinary. That value includes the qualified dividends. QDs are only broken out so they can be treated differently when you file your income taxes.
by Sidney
Tue Apr 19, 2016 5:04 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing: Tax consequences
Replies: 36
Views: 2117

Re: Rebalancing: Tax consequences

As time goes by, if you find you have unrealized losses make sure to harvest them. Will make it easier later to re-balance with lower tax.
by Sidney
Sun Apr 17, 2016 7:58 pm
Forum: Investing - Theory, News & General
Topic: Why not buy a DIVIDEND stock?
Replies: 36
Views: 3715

Re: Why not buy a DIVIDEND stock?

I never discuss investing in any depth with family (except spouse) or friends. Very little upside and a lot of downside.
by Sidney
Sat Apr 16, 2016 7:53 am
Forum: Investing - Theory, News & General
Topic: What are Pros and Cons to the "Four Hour Workweek?"
Replies: 99
Views: 12035

Re: What are Pros and Cons to the "Four Hour Workweek?"

Most entrepreneurs work a heck of a lot more than 4 hours per week launching their business(es). And the failure rate is extraordinarily high. So while there are some wildly successful entrepreneurs - especially in the tech world - these are the statistical outliers IMO. Either your friend was incr...
by Sidney
Sat Apr 16, 2016 7:20 am
Forum: Investing - Theory, News & General
Topic: The "New" Rich
Replies: 9
Views: 2197

Re: The "New" Rich

I think the best way to answer your own question is to think about these people in the context of all the people who have attempted entrepreneurial activities. Just focusing on the successful ones isn't a fair viewpoint. You also need to think about those who tried/invested and failed as well.
by Sidney
Tue Apr 12, 2016 12:29 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 7477

Re: Retirees: what's your Withdrawal Rate for this and last year?

Toons wrote:On the other hand ,I am not selling any shares of any holdings.

If you reinvested the dividends for, say a month or two and then sold the shares purchased with the reinvested divs and spent the money, would that be a withdrawal?
by Sidney
Tue Apr 12, 2016 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 7477

Re: Retirees: what's your Withdrawal Rate for this and last year?

Sheepdog wrote:I consider dividends spent as withdrawals. If I save the dividends or invest them in something else, that is not a withdrawal.

Yes, I should have clarified as "spent" dividends.
by Sidney
Tue Apr 12, 2016 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: what's your Withdrawal Rate for this and last year?
Replies: 79
Views: 7477

Re: Retirees: what's your Withdrawal Rate for this and last year?

TheTimeLord wrote:Wouldn't spending dividends be the same as a withdrawal?

That would be my thought as well. I have not seen any withdrawal rate analysis that excluded dividends from the withdrawal rate.

Go to advanced search