Search found 2725 matches

by Triple digit golfer
Sun Feb 26, 2017 12:13 am
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 120
Views: 20449

Re: You know you're a Boglehead when ...

... when you quick scroll through a cluster of a thread to find the picture of the orange butterfly, because you know some reasoned sanity is about to be dropped on the audience. I do this with frequency. So much common sense and ability to step back and see the big picture. He comes up with reason...
by Triple digit golfer
Sat Feb 25, 2017 11:54 pm
Forum: Personal Consumer Issues
Topic: Feline Achilles' tendon injury
Replies: 13
Views: 526

Re: Feline Achilles' tendon injury

Pets are members of the family. How would you proceed if this was your child? There's your answer.
by Triple digit golfer
Sat Feb 25, 2017 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: Can somebody please explain brokerage accounts at Vanguard?
Replies: 22
Views: 1772

Re: Can somebody please explain brokerage accounts at Vanguard?

I think I will take your advice and convert to Roth. Yes, she does have one already. I think then that you can go to the Roth IRA and the fund that is held by the Roth IRA and click on "Buy", then when it asks where is the money coming from, you can select the Rollover IRA and the web sit...
by Triple digit golfer
Sat Feb 25, 2017 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Can somebody please explain brokerage accounts at Vanguard?
Replies: 22
Views: 1772

Re: Can somebody please explain brokerage accounts at Vanguard?

All in this thread is her accounts, not mine. Sorry for the confusion.

With our 401k contributions our taxable income is below the threshold, so we are Roth eligible.

I think I will take your advice and convert to Roth. Yes, she does have one already.
by Triple digit golfer
Sat Feb 25, 2017 7:23 pm
Forum: Investing - Help with Personal Investments
Topic: Can somebody please explain brokerage accounts at Vanguard?
Replies: 22
Views: 1772

Re: Can somebody please explain brokerage accounts at Vanguard?

This forum is great. Thank you all.

I may just keep the $842 in the rollover so we don't have to pay the taxes. But then can we still contribute the full $5,500 to the Roth?
by Triple digit golfer
Sat Feb 25, 2017 6:53 pm
Forum: Investing - Help with Personal Investments
Topic: Can somebody please explain brokerage accounts at Vanguard?
Replies: 22
Views: 1772

Re: Can somebody please explain brokerage accounts at Vanguard?

OK - I must be a complete moron. It says "Funds available to trade" is $842.53. If I go to "Contribute/Withdraw" it is telling me I can buy Vanguard mutual funds in the Rollover IRA or convert to a Roth. I don't see an option anywhere to buy an ETF- only mutual funds. All I want ...
by Triple digit golfer
Sat Feb 25, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Can somebody please explain brokerage accounts at Vanguard?
Replies: 22
Views: 1772

Can somebody please explain brokerage accounts at Vanguard?

I have a Roth IRA at Vanguard that I opened in 2008. It is not a brokerage account. I can add money from my checking account. Very simple. I have a taxable account that I opened in 2013. It is not a brokerage account, but there is an option to upgrade to one. I have a rollover IRa that I opened in 2...
by Triple digit golfer
Wed Feb 22, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: Repairing a flaking and peeling leather couch
Replies: 2
Views: 353

Repairing a flaking and peeling leather couch

We have a few spots on our fake leather couch that are peeling. Has anybody used leather paint with any success? If so, which brand? Our couch is very comfortable and the matching loveseat is hardly used, so we don't want to buy new furniture. Thanks!
by Triple digit golfer
Tue Feb 21, 2017 7:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 1221

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

That is outstanding. Happy 21st, Mr. Bogle!
by Triple digit golfer
Tue Feb 21, 2017 4:13 pm
Forum: Investing - Theory, News & General
Topic: Theory question about value/size tilts
Replies: 7
Views: 395

Re: Theory question about value/size tilts

I will do that - thanks!

I always enjoy your posts. Some of your graphs and reasoning and logic is fascinating.
by Triple digit golfer
Tue Feb 21, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Theory question about value/size tilts
Replies: 7
Views: 395

Theory question about value/size tilts

Suppose I want a tilt that leaves me with 50/50 value/blend and 50/50 large/small. Are the following going to be roughly equal in terms of expected risk and return? 00 50 00 00 00 00 50 00 00 50 00 00 00 00 00 00 50 00 25 00 25 00 00 00 50 00 00 50 00 00 00 00 00 25 00 25 The way I see it conceptual...
by Triple digit golfer
Mon Feb 20, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 10
Views: 906

Re: Reinvesting dividends and cap gains in taxable account

Thanks all. I set both funds to automatically reinvest.
by Triple digit golfer
Mon Feb 20, 2017 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 10
Views: 906

Re: Reinvesting dividends and cap gains in taxable account

I have a taxable account, but I am not contributing to it. I have FTSE All World ex-US index fund and Intermediate Term Tax Exempt. The former is intended to only be used for retirement and thus no shares to be sold for decades, barring a very large emergency. The latter is a second tier to my emer...
by Triple digit golfer
Mon Feb 20, 2017 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 10
Views: 906

Re: Reinvesting dividends and cap gains in taxable account

I have a taxable account, but I am not contributing to it. I have FTSE All World ex-US index fund and Intermediate Term Tax Exempt. The former is intended to only be used for retirement and thus no shares to be sold for decades, barring a very large emergency. The latter is a second tier to my emer...
by Triple digit golfer
Mon Feb 20, 2017 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 10
Views: 906

Reinvesting dividends and cap gains in taxable account

I have a taxable account, but I am not contributing to it. I have FTSE All World ex-US index fund and Intermediate Term Tax Exempt. The former is intended to only be used for retirement and thus no shares to be sold for decades, barring a very large emergency. The latter is a second tier to my emerg...
by Triple digit golfer
Mon Feb 20, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: 20% bonds: why bother at 48?
Replies: 131
Views: 6334

Re: 20% bonds: why bother at 48?

When people say 100% equities, I hope they are EXCLUDING cash savings and a healthy emergency fund. If you come into trouble and need to survive a year on no income, you'll be glad you have bonds or cash. Suppose you are young, 28 years old, single and living alone, with $50,000 in annual expenses. ...
by Triple digit golfer
Sat Feb 18, 2017 10:27 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for 31 year old married couple with baby on the way
Replies: 4
Views: 559

Re: Portfolio review for 31 year old married couple with baby on the way

I should be able to flip between Total International and FTSE all World ex US without having to worry about wash sales.

As for accessing the Roth in an emergency, I could keep stocks in there and then exchange bonds for stocks in the rollover if necessary.
by Triple digit golfer
Sat Feb 18, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for 31 year old married couple with baby on the way
Replies: 4
Views: 559

Re: Portfolio review for 31 year old married couple with baby on the way

Thanks for your reply. I'd like to keep international in taxable. I currently hold bonds in the rollover IRA. I would like to keep them out of the Roth and use Roth space for equities since they are expected to grow faster. I am totally open to recommendations, up to reworking the entire portfolio i...
by Triple digit golfer
Sat Feb 18, 2017 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review for 31 year old married couple with baby on the way
Replies: 4
Views: 559

Portfolio review for 31 year old married couple with baby on the way

I appreciate any and all feedback! Emergency funds: Currently have $72k in savings and $27k in a CD - easily 15 months of expenses Debt: Mortgage: $343k remaining at 3.50% (30 year fixed) Tax Filing Status: Married Filing Jointly Tax Rate: 25% Federal, 3.75% State State of Residence: IL Age: 31 Desi...
by Triple digit golfer
Sat Feb 18, 2017 12:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1193

Re: Question on cash needs in taxable account

KlangFool, Fair enough! Here is the big picture: Emergency funds: Currently have $72k in savings and $27k in a CD - easily 15 months of expenses Debt: Mortgage: $343k remaining at 3.50% (30 year fixed) Tax Filing Status: Married Filing Jointly Tax Rate: 25% Federal, 3.75% State State of Residence: I...
by Triple digit golfer
Sat Feb 18, 2017 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1193

Re: Question on cash needs in taxable account

Triple digit golfer, Why? It is still interest income and taxed as ordinary income. Meanwhile, you get qualified dividend from stock which is taxed the same as long-term capital gain. Long-term capital gain tax is lower than ordinary income tax. So, how can this be better? KlangFool If I may, From ...
by Triple digit golfer
Sat Feb 18, 2017 4:02 am
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1193

Re: Question on cash needs in taxable account

Thanks to you both. Where I'm at is a total portfolio including all retirement and taxable accounts, of $500k. With Livesoft's advice, my wife and I want to look at all money in one portfolio. We want to have an emergency plan, not necessarily an emergency fund. Where were at now is a $500k portfoli...
by Triple digit golfer
Fri Feb 17, 2017 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1193

Re: Question on cash needs in taxable account

Onourway, Thank you for the well thought out post! If the market increases 50 %, your equities would be 75K (taxable), 75K (401k) and 50K (401k). If you are looking to minimize taxes, why not take the 25k from taxable? The tax you pay would depend on the lot(s) sold and other income. You can then r...
by Triple digit golfer
Fri Feb 17, 2017 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1193

Re: Question on cash needs in taxable account

Onourway, Thank you for the well thought out post! If the market increases 50 %, your equities would be 75K (taxable), 75K (401k) and 50K (401k). If you are looking to minimize taxes, why not take the 25k from taxable? The tax you pay would depend on the lot(s) sold and other income. You can then re...
by Triple digit golfer
Fri Feb 17, 2017 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1193

Re: Question on cash needs in taxable account

Which brings me to my next point. Why not have bonds in taxable, but use tax exempt bonds? This way, no federal tax on earnings, and the bonds act as a portion of my bond holdings and my emergency fund all in one.
by Triple digit golfer
Fri Feb 17, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Question on cash needs in taxable account
Replies: 19
Views: 1193

Question on cash needs in taxable account

I understand how this concept works, and I have double what I would expect to have to withdraw in equities in a taxable account. Withdrawing after a crash makes sense to me. You sell at a loss and then exchange bonds for equities in the same amount in a tax-advantaged account to remain whole in tota...
by Triple digit golfer
Wed Feb 15, 2017 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help w/ 401K Fund Allocations
Replies: 9
Views: 409

Re: Help w/ 401K Fund Allocations

I'd go with retiredjg's option #2 and do the same allocation in each account. Simple, effective, and easy to manage.
by Triple digit golfer
Tue Feb 14, 2017 2:33 pm
Forum: Personal Consumer Issues
Topic: Scary bed bug addendum on lease - should I walk away?
Replies: 23
Views: 2215

Re: Scary bed bug addendum on lease - should I walk away?

My opinion is you'd be crazy to sign that lease. Run.
by Triple digit golfer
Mon Feb 13, 2017 3:24 pm
Forum: Investing - Theory, News & General
Topic: Why go with an 80% stock / 20% bond portfolio?
Replies: 328
Views: 17691

Re: Why go with an 80% stock / 20% bond portfolio?

I'm late to the party, but what about the possibility that bonds may outperform stocks over the next 10, 20, or even 50 years? Regardless of expected return and time horizon, it is important to me not to exclude a major asset class such as bonds in my portfolio. If it's all about the long-term and i...
by Triple digit golfer
Sat Feb 11, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 642

Re: Medium term savings goals

Thanks. Was also considering Vanguard Target Retirement Income or Lifestrategy Conservative Income.
by Triple digit golfer
Sat Feb 11, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 642

Re: Medium term savings goals

willthrill81 wrote:
Triple digit golfer wrote:So maybe Wellesley it is. Would you reinvest capital gains and dividends?


Unless you need the cash, yes.


No, I don't need the cash, but don't want to get killed on taxes either.
by Triple digit golfer
Sat Feb 11, 2017 4:48 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 642

Re: Medium term savings goals

Is it appropriate in a taxable account? Since you aren't saving this money for retirement, a taxable account is about your only real choice. You'll have to pay taxes on dividends as they come up and capital gains (if applicable) when you sell, but if you're in the 10% or 15% marginal brackets for e...
by Triple digit golfer
Sat Feb 11, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 642

Re: Medium term savings goals

Is it appropriate in a taxable account? Since you aren't saving this money for retirement, a taxable account is about your only real choice. You'll have to pay taxes on dividends as they come up and capital gains (if applicable) when you sell, but if you're in the 10% or 15% marginal brackets for e...
by Triple digit golfer
Sat Feb 11, 2017 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 642

Re: Medium term savings goals

Index Fan wrote:For 3-10 years a bond fund would be good, even a conservative asset allocation fund if you wanted some more risk.


Which fund would be appropriate in a taxable account? Would I elect not to reinvest dividends and capital gains?
by Triple digit golfer
Sat Feb 11, 2017 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 642

Re: Medium term savings goals

Is it appropriate in a taxable account?
by Triple digit golfer
Sat Feb 11, 2017 2:21 pm
Forum: Investing - Help with Personal Investments
Topic: Medium term savings goals
Replies: 14
Views: 642

Medium term savings goals

I am trying to decide where to put money for my family for expected irregular expenditures over the next 3-10 years - perhaps a new air conditioner, one new (used) vehicle, and other things that may come up around the house. The furnace is 12 years old, roof is at least that old, so I know that I wa...
by Triple digit golfer
Mon Feb 06, 2017 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Is my portfolio 73/27 or 92/8?
Replies: 10
Views: 967

Re: Is my portfolio 73/27 or 92/8?

I always get caught up on whether I'm too conservative or too aggressive. If I count the savings/CDs, we're at 73% equities, which I think is too conservative. If I do not count them and only count money that is in my head designated for "retirement," we're at 92% equities with a cash cus...
by Triple digit golfer
Mon Feb 06, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Is my portfolio 73/27 or 92/8?
Replies: 10
Views: 967

Is my portfolio 73/27 or 92/8?

I'm sure the general consensus will be "It doesn't matter" or "Who cares, as long as you're comfortable with your portfolio," but humor me. We have a total portfolio, including savings/emergency funds of approximately $478k, split as follows: 401k/403b/Rollover IRA: Equities $201...
by Triple digit golfer
Sun Feb 05, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 727

Re: U.S. vs. International index in taxable account

Hint: Line 44: (see instructions). That means Please read the instructions very carefully for Form 1040 Line 44. :) Was just doing that - Schedule D is apparently important here :) I would've said the Qualified Dividends are important here. :) Yes - thank you. I know the tax computation is correct ...
by Triple digit golfer
Sun Feb 05, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 727

Re: U.S. vs. International index in taxable account

livesoft wrote:Hint: Line 44: (see instructions).

That means Please read the instructions very carefully for Form 1040 Line 44. :)


Was just doing that - Schedule D is apparently important here :)
by Triple digit golfer
Sun Feb 05, 2017 10:48 am
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 727

Re: U.S. vs. International index in taxable account

I suggest you read the instructions for Form 1040 and not use tax software. Did your tax software give you the foreign tax credit? Yes, I made sure of that. $89 credit. I read the instructions and even when I use the calculation on the instructions, I come up with a $102 difference, which is 10% of...
by Triple digit golfer
Sun Feb 05, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 727

Re: U.S. vs. International index in taxable account

My total dividends were $2,473 and of that, $1,350 were ordinary and $1,023 qualified. All qualified dividends are ordinary dividends. So don't double-count them. Didn't Vanguard send you a 1099-DIV explanation? In that case, total were $1,350 and $1,023 were qualified. My 1040 shows line 9a, ordin...
by Triple digit golfer
Sun Feb 05, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 727

Re: U.S. vs. International index in taxable account

See this thread: https://www.bogleheads.org/forum/viewtopic.php?t=208818 Download the spreadsheet and do the calculations for your situation to get answers specific for your situation and last year. This year may be different. PS: I have no idea about your first question which kind of seems out of ...
by Triple digit golfer
Sun Feb 05, 2017 10:18 am
Forum: Investing - Help with Personal Investments
Topic: U.S. vs. International index in taxable account
Replies: 11
Views: 727

U.S. vs. International index in taxable account

I hold the S&P 500 index in my tax-advantaged accounts and FTSE All World ex-US Index in my taxable account. I noticed when filing my taxes that my 1099-DIV showed that the FTSE All World ex-US Index had more ordinary dividends than qualified dividends. I came across this page on Vanguard, which...
by Triple digit golfer
Sat Feb 04, 2017 10:37 am
Forum: Investing - Help with Personal Investments
Topic: Question on placing cash needs in taxable
Replies: 3
Views: 358

Re: Question on placing cash needs in taxable

My understanding is that you are an accountant. Suppose your savings account paid 15% a year. Would you take your money out and put it in a checking account to avoid gains so that you would not pay taxes? Isn't that apples to oranges? I would have the stock gain in the tax-advantaged account instea...
by Triple digit golfer
Sat Feb 04, 2017 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Question on placing cash needs in taxable
Replies: 3
Views: 358

Question on placing cash needs in taxable

Hi all, currently my wife and I have a portfolio consisting of: 401k/403b/Rollerovers: $235k - stock index funds and our 10% bond index portion of our portfolio Roth IRAs: $82k - stock index funds only Taxable: $68k - stock index fund only and can also be an emergency fund. Outside of the above, we ...
by Triple digit golfer
Wed Feb 01, 2017 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Order of investing priority
Replies: 25
Views: 2323

Re: Order of investing priority

How about same as I suggested before, plus contributing any "uncontributed" money from the 401k to a: taxable account, in Vanguard Total Stock Market Index Fund? I don't think skipping the tax deferred opportunity in either the 401k or 403b is a good idea. Use the S&P 500 fund ER 0.65...
by Triple digit golfer
Wed Feb 01, 2017 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Order of investing priority
Replies: 25
Views: 2323

Re: Order of investing priority

How about same as I suggested before, plus contributing any "uncontributed" money from the 401k to a: taxable account, in Vanguard Total Stock Market Index Fund? I don't think skipping the tax deferred opportunity in either the 401k or 403b is a good idea. Use the S&P 500 fund ER 0.65...
by Triple digit golfer
Tue Jan 31, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Order of investing priority
Replies: 25
Views: 2323

Re: Order of investing priority

How about same as I suggested before, plus contributing any "uncontributed" money from the 401k to a: taxable account, in Vanguard Total Stock Market Index Fund? I don't think skipping the tax deferred opportunity in either the 401k or 403b is a good idea. Use the S&P 500 fund ER 0.65...

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