Search found 119 matches

by TF Hutch
Fri May 05, 2017 11:09 am
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 5014

Re: Tips From Older Bogleheads?

KISS
Keep it simple stupid!
Total Stock Market and Total Bond Market. 2 mutual funds. All you need. Plenty of international in these two. Asset Allocaion is a breeze. :happy
Be happy with what the market gives you, cost matter. :sharebeer
by TF Hutch
Sat Apr 15, 2017 12:23 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Rewards - NO REWARDS FOR TAX PAYMENTS
Replies: 1
Views: 385

Re: USAA 2.5% Cash Rewards - NO REWARDS FOR TAX PAYMENTS

I learned the hard way. After charging my Federal 1040 Income taxes and my quarterly tax payment, I checked my "Cash Reward Balance", under "View and redeem" there is a section called FAQ. After opening the FAQ one of the frequently asked questions is "What are Qualifying Pu...
by TF Hutch
Sat Apr 15, 2017 12:08 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Rewards - NO REWARDS FOR TAX PAYMENTS
Replies: 1
Views: 385

USAA 2.5% Cash Rewards - NO REWARDS FOR TAX PAYMENTS

USAA Signature Vias 2.5% Cash Back Rewards

DOES NOT PAY CASH REWARDS FOR TAX PAYMENTS

From the FAQ:
"What are Qualifing Purchases?
... do NOT included Tax Payments... :(
by TF Hutch
Sat Apr 15, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 30082

Re: USAA 2.5% Cash Back Credit Card

USAA 2.5% Cash Back Credit Card

DOES NOT REWARD TAX PAYMENTS!

See FAQ re; qualified payments. After paying my 1040 and quarterly Federal income taxes I found I was rewarded 1% of the credit card fee.
An expensive lesson learned to be sure.
by TF Hutch
Fri Mar 24, 2017 6:22 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3168

Re: Vanguard's website is down (for me anyway)

Got in, then locked up, finaly kicked out.
by TF Hutch
Fri Mar 24, 2017 5:52 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3168

Re: Vanguard's website is down (for me anyway)

Still out.
A continuation of poor customer service perhaps.
Vanguard appears to have growing pains
by TF Hutch
Thu Mar 23, 2017 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund...Savings, Money Market, or CD?
Replies: 22
Views: 2932

Re: Emergency Fund...Savings, Money Market, or CD?

KISS (keep it simple stupid) I prefer simplicity. Emergency funds need to be liquid, need to be safe, need to be simple. Therefore, I recommend an FDIC insured Bank account. Ally Bank 1% Online Savings account meets these requirements. : For longer term emergency savings I suggest Roth IRA. Contribu...
by TF Hutch
Sun Jan 15, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: 28yr old newbie playing catch up
Replies: 29
Views: 2818

Re: 28yr old newbie playing catch up

Your doing just fine. Just keep doing it! Remember most Bogleheads are saving overachievers. It can be disheartening to think you are late to the game. You're not. Try to KISS (Keep it simple stupid). Good advice here. My advice,tax deferred savings first, get rid of debt second, third build savings...
by TF Hutch
Sun Jan 15, 2017 10:05 pm
Forum: Investing - Help with Personal Investments
Topic: Amazon???
Replies: 22
Views: 3293

Re: Amazon???

Tesla will be losing its federal rebates shortly, after it sells 200,000 vehicles in the US. Tesla has made no money yet and is overpriced. Still I have a small position in Tesla, less than 2% of my portfolio. It has already paid for a major portion of my Tesla Model S lease and if I am fortunate th...
by TF Hutch
Tue Jan 10, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: USAA 2.5% Cash Back Credit Card
Replies: 171
Views: 30082

Re: USAA 2.5% Cash Back Credit Card

My AAA MasterCard pays 3% cash back on "qualified" purchases. Pays to the penny to your bank account.
Card cost <$5 to open, gives you a $50 AAA credit
The best Travel card I could find. 8-)
by TF Hutch
Tue Jan 10, 2017 5:20 am
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 242
Views: 38406

Re: South Florida Local Chapter

Thanks for the location info. I just PMed jjmiller6671 to pair up for the ride down from Palm City in the Tesla. Looking forward to seeing everyone there.
How many attendees now Miriam2?
by TF Hutch
Sat Dec 17, 2016 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Did Intuit ruin Taxcaster?
Replies: 24
Views: 2917

Re: Did Intuit ruin Taxcaster?

I found he iPad version to be the same as previous year. Very helpful.
by TF Hutch
Sun Dec 11, 2016 11:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 242
Views: 38406

Re: South Florida Local Chapter

Is there a sign up sheet for this? This will be at least the third "SoFL Bogleheads chapter" meeting. I am hopeful that we can find an adequate venue to hold the many folks who have expressed an interest in attending. Perhaps a contribution to the cause would be appropriate I will be happy...
by TF Hutch
Sun Dec 11, 2016 11:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 242
Views: 38406

Re: South Florida Local Chapter

Please add me to the list to attend SFL Bogleheads meeting in January 2017. Attended 1st meeting, missed second, want to make sure I am signed up for this one. Will be driving down from Palm City, Martin County in my Tesla if anyone needs a ride! Miriam so glad to hear from you again after Boglehead...
by TF Hutch
Fri Sep 30, 2016 3:28 am
Forum: Personal Consumer Issues
Topic: What kind of car do Bogleheads like to drive?
Replies: 168
Views: 15055

Re: What kind of car do Bogleheads like to drive?

When I retired I bought a 2013 Honda Accord. Now I am a very enthusiastic Teslas Model S driver. The Accord is now religated to storage. I used it this week to go to park at the airport while flying to Bogleheads Conference. It is such a "woof" (dog) compared to the Tesla. Thanks to Jack B...
by TF Hutch
Fri Sep 23, 2016 11:21 pm
Forum: Personal Consumer Issues
Topic: Should I lease a Tesla?
Replies: 148
Views: 13251

Re: Should I lease a Tesla

When I first test drove the Model S in Febuary I had no intention of buying the car. I was impressed enough to buy $50,000 of Tesla stock, less than 2% of my total portfolio. In April I was fortunate enough to have a large Tesla short term capital gain. I used some of the capital gain to lease a Tes...
by TF Hutch
Sun Sep 18, 2016 5:25 pm
Forum: Personal Consumer Issues
Topic: Tesla S
Replies: 953
Views: 165063

Re: Tesla S

How many Tesla owners will be at Bogelheads Conference this year? (2016) My wife and I are planing leaving Treasure Coast (Martin County) Florida next Monday September 26, 2016 with our 2016 Tesla 90D Model S. Did a trip to New England earlier this summer, went well mostly. A few Boring Supercharger...
by TF Hutch
Mon Aug 17, 2015 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: E-Loan CDs paying 2.45% any experiences?
Replies: 9
Views: 2186

Re: E-Loan CDs paying 2.45% any experiences?

You may want look into USAlliance 25 month 2.7% APY NACU Insured CD for new customers. $100000 max, $500 min per SSN.Be sure you check out "Terms and Conditions", EWP 12 mo interest, may be callable. This is a limited time offer.
Boglehead Kevin M has a blog post on this CD.
by TF Hutch
Fri Jul 17, 2015 10:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 242
Views: 38406

Re: South Florida Local Chapter

Looking forward to So FL Bogleheads meeting. Very much looking forward to seeing my idol Taylor again.
by TF Hutch
Wed Jan 07, 2015 3:55 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Premier now free (for some)
Replies: 20
Views: 4821

Re: TurboTax Premier now free (for some)

I was able to purchases Turbo Tax Premier for $0 last night from the link on Vanguard web site. I am a Flagship customer.
This price will be available until January 9, 2015.
by TF Hutch
Mon Sep 08, 2014 10:03 pm
Forum: Investing - Theory, News & General
Topic: Simplicity vs. Complexity
Replies: 50
Views: 4589

Re: Simplicity vs. Complexity

Now that I have retired my Mantra has changed to KISS; Keep It Simple Stupid!
by TF Hutch
Mon Sep 08, 2014 9:50 pm
Forum: Personal Consumer Issues
Topic: Land line for renter in S Florida
Replies: 18
Views: 1488

Re: Land line for renter in S Florida

Basic Talk from Walmart cost me less than $13.00/ month with unlimited calling. Does require internet access, available from Comcast for less than $30/mo.

Living in Florida.
by TF Hutch
Mon Sep 08, 2014 2:59 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard National Trust Company?
Replies: 100
Views: 29026

Re: Vanguard National Trust Company?

As trustee of my fathers estate, and beneficiary of my grandfathers estate my experience with BNY/Mellon were not good. Excessive fees, little to no help from principals and being stonewalled by underlings was my experience.
by TF Hutch
Mon Sep 01, 2014 5:57 am
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 9200

Re: Why invest in bonds?

It would be helpful if responders to these threads would include their years to/in retirement, perhaps add as part of their signature. :happy

Retired 2011, age 69
Current Asset allocation: 55% stocks/45% Bonds, cash

I am concerned stock allocation is too high, fixed income returns are too low.
by TF Hutch
Wed Apr 23, 2014 4:53 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 2292

Re: Bogleheads, About to retire, Pleases Help

Windhog, thank you.

SPIAs are on my list of considerations, need to see how they work in my estate plan. I have an appointment with my estate planing attorney next week.

It is absolutely incredible to me how much I don't know! Thank goodness for Bogleheads.
by TF Hutch
Wed Apr 23, 2014 4:18 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 2292

Re: Bogleheads, About to retire, Pleases Help

Except for treasury issues , I am not a fan of individual bonds. I'd suggest re-thinking this. I suppose CDs are an option but IMO individual corporate or muni bonds are a lot of work to achieve decent diversification -- kind of goes against the simplification theme. I agree. I like Warren Buffet's...
by TF Hutch
Wed Apr 23, 2014 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 2292

Re: Bogleheads, About to retire, Pleases Help

You need to figure out what the short-term and long-term gains would be if you sold the funds in your taxable account. Also, how it would effect your taxes (getting bumped up to a higher bracket and whatnot). Thank you kerplunk. Here are my TAXABLE gains & loses in my portfolio from the Vanguar...
by TF Hutch
Wed Apr 23, 2014 3:05 am
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 2292

Re: Bogleheads, About to retire, Pleases Help

Re Social Security: I am afraid of Social Security (sscritic intimidates the hell out of me). My wife is ten years younger(58) than I and will not be eligible for four more years at the earliest. I think. I went to a seminar on social security last night that turned out to be a pitch for a really ba...
by TF Hutch
Mon Apr 21, 2014 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads, About to retire, Pleases Help
Replies: 11
Views: 2292

Bogleheads, About to retire, Pleases Help

I am afraid things have gotten away from me and I need help making a course change with my portfolio. I have just completed the accumulation phase of my life. 1. Because of a recent windfall my Asset Allocation has gotten out of whack; I need to reassess how much risk to take. 2. It is now time to m...
by TF Hutch
Wed Apr 09, 2014 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest my "Emergency Fund"
Replies: 20
Views: 3976

Re: How to invest my "Emergency Fund"

Maximize the Roth IRA, contributions can be withdrawn without penalty in the event of an emergency. Gains may not be withdrawn without penalty however. Any additional Emergency Funds should be in FDIC Insured accounts paying the highest available interest, or US Treasurys.
by TF Hutch
Wed Feb 19, 2014 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Mint Vs Ibank Vs Quicken for mac
Replies: 41
Views: 9847

Re: Mint Vs Ibank Vs Quicken for mac

I use Quicken 2007 for Mac on a Lion machine. Thinking about upgrading to "Maverick" Operating system. Will Quicken 2007 still work with Maverick?
I have Quicken Data back to 1994.
by TF Hutch
Tue Oct 08, 2013 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Best site for purchasing bonds
Replies: 9
Views: 1273

Re: Best site for purchasing bonds

Treasury Direct for purchasing individual US government bonds, bills or notes. No Commission if held to maturity, only commission is if you chose to sell before maturity.
by TF Hutch
Fri Mar 15, 2013 11:06 pm
Forum: Personal Consumer Issues
Topic: Need a good book on negotiating
Replies: 24
Views: 2476

Re: Need a good book on negotiating

Flea markets and yard sales are a wonderful place to practice negotiating strategies.
by TF Hutch
Fri Mar 15, 2013 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Cash - do you keep a stash on hand?
Replies: 83
Views: 8310

Re: Cash - do you keep a stash on hand?

Love flea markets and yard sales. I have equiped several homes with bargins found. I have bought cars, boats and even an airplane with cash. None of the deals would have been possible without cash on hand, and I made a profit on each of these transactions. Cash is Just another tool. It's amazing wha...
by TF Hutch
Sat Mar 02, 2013 12:32 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 ANNOUNCEMENT
Replies: 92
Views: 24526

Re: BOGLEHEADS 12 ANNOUNCEMENT

email request sent.
Thank you.
by TF Hutch
Sat Mar 02, 2013 12:23 am
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 12 ANNOUNCEMENT
Replies: 92
Views: 24526

Re: BOGLEHEADS 12 ANNOUNCEMENT

Where do I send the registration check?
by TF Hutch
Fri Feb 01, 2013 10:12 pm
Forum: Investing - Theory, News & General
Topic: Retirement Hearing Witnesses Share What Works
Replies: 15
Views: 2790

Re: Retirement Hearing Witnesses Share What Works

This web site educated me. As a younger man I blew through any money that came my way. Discovering the writings of Jack Bogle changed all that. Today I am retired with a portfolio that has taken off like an Atlas 5 rocket this past month. Scarry knowing it can fall to earth again just as quickly as ...
by TF Hutch
Sat Jan 12, 2013 1:02 pm
Forum: Personal Consumer Issues
Topic: Get a Scanner!
Replies: 69
Views: 8558

Re: Get a Scanner!

I am confused, I use a Mac with OSX 10.8 (Mountain Lion). Apparently it has built in OCR, can I use any scanner regardless of softwear included?
by TF Hutch
Sat Jan 12, 2013 10:55 am
Forum: Investing - Theory, News & General
Topic: "Oblivious Investor" reaches 10,000 subscribers
Replies: 22
Views: 4026

Re: "Oblivious Investor" reaches 10,000 subscribers

New subscriber here, thank you Mike.

I spent a lifetime saving for retirement and I have just retired, 12/31/2012. I am in awe of the challenges ahead. Sold the house and 2 vehicles in New England and moved to FL. Have only a vague idea of what to do next. Looking for help, thanks again Mike.
by TF Hutch
Mon Dec 31, 2012 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Trouble with using Vanguard website
Replies: 14
Views: 1808

Re: Trouble with using Vanguard website

It is a Cash Edge problem. If you update tomorrow you probably have the correct amounts.
by TF Hutch
Fri Dec 07, 2012 8:33 am
Forum: Investing - Help with Personal Investments
Topic: About to retire, Portfolio help requested.
Replies: 2
Views: 499

Re: About to retire, Portfolio help requested.

Thank you sscritic, duplicate post deleted.
by TF Hutch
Fri Dec 07, 2012 5:26 am
Forum: Investing - Help with Personal Investments
Topic: About to retire, Portfolio help requested.
Replies: 2
Views: 499

About to retire, Portfolio help requested.

I sold my house and will be moving to FL (no state income tax) from MA and now my portfolio could use some help. As a result of the house sale my desired allocation has changed from a desired 40/59/1 stocks/bonds/cash to 18/26/56. 78% of portfolio is taxable. Could use suggestions on taxable bond al...
by TF Hutch
Fri Sep 21, 2012 6:48 am
Forum: Personal Consumer Issues
Topic: What's your favorite online source for news?
Replies: 39
Views: 4144

Re: What's your favorite online source for news?

Flipboard on the iPad.
by TF Hutch
Sun Aug 26, 2012 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: % of your money in cash : bank deposit
Replies: 35
Views: 5488

Re: % of your money in cash : bank deposit

I have 1 yr income in FDIC Bank Emergency Fund
by TF Hutch
Tue Aug 14, 2012 5:17 pm
Forum: Personal Finance (Not Investing)
Topic: Tax & math Question, sale of Primary residence
Replies: 9
Views: 1937

Re: Tax & math Question, sale of Primary residence

JDCPAEsq wrote:In calculating the tax, are you adding the gain on sale to your other income to determine the marginal tax caused by the sale?
John


No, just trying to determine Capital Gains tax on the house sale at this time.
by TF Hutch
Tue Aug 14, 2012 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Tax & math Question, sale of Primary residence
Replies: 9
Views: 1937

Re: Tax & math Question, sale of Primary residence

Thank you all, 20+% sounded to good to be true! :greedy

When I did the tax computation on Turbo Tax, it did not include any personal income. Only the home sale proceeds, does it matter? I think I will be taxed on capital gains, not increased personal income taxes (earned income), yes?
by TF Hutch
Tue Aug 14, 2012 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: How should I allocate these additional funds?
Replies: 9
Views: 987

Re: How should I allocate these additional funds?

OK guys, I know you eat this stuff for lunch. Just posted another thread on taxes and math re sale of primary residence. Perhaps you could chew on that for a minute while I try and comprehend what you all have replied here! Thank you all. Moderators; should I have posted both questions in the same t...
by TF Hutch
Tue Aug 14, 2012 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Tax & math Question, sale of Primary residence
Replies: 9
Views: 1937

Tax & math Question, sale of Primary residence

I am attempting to determine the after tax net and rate of return on the sale of a primary residence of 36.5 years. $1,100,000 Sales Price $ 45,000 Cost basis $ 81,479 Improvements $ 24,650 Depreciation taken since May 6, 1996 (Home office deduction) When I plug it into Turbo Tax it comes up with: $...