Search found 73 matches

by a2z
Wed Jun 08, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Selling from taxables
Replies: 16
Views: 1173

Re: Selling from taxables

Kudos to you Houseblend for explaining the tax consequences of qualified dividends. I actually think I get it. By the way I do VLACX because I sold VTSAX for tax-loss harvest during the recession. As per usual thanks to all for continuing my financial education.

a2z
by a2z
Wed Jun 08, 2016 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Selling from taxables
Replies: 16
Views: 1173

Re: Selling from taxables

Yeah, that's another possibility I was wondering about. What is the result of selling prior to distribution and not getting the dividends but lower LTCG vs paying higher taxes with ST Capital Gains and getting the dividends? Time, and maybe nickels, are slipping away. :(
by a2z
Wed Jun 08, 2016 10:48 am
Forum: Investing - Help with Personal Investments
Topic: Selling from taxables
Replies: 16
Views: 1173

Re: Selling from taxables

My LTCG rate is 15% and my dividend tax rate is 25% plus state rate of 7.05%. So...if I understand correctly it looks like there is an advantage to selling prior to the distribution. The WIKI also states that selling prior to a distribution is an advantage. It may only be nickels but I like nickels....
by a2z
Wed Jun 08, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Selling from taxables
Replies: 16
Views: 1173

Selling from taxables

I will be selling shares from my large cap Vanguard fund this month. The fund is in a taxable account. There will be long term capital gains. Should I sell it before the dividend distributions or after they have been made? Thanks for any help.

a2z
by a2z
Wed May 04, 2016 6:21 pm
Forum: Local Chapters and Bogleheads Community
Topic: MN Bogleheads Meeting May 7th
Replies: 10
Views: 1710

Re: MN Bogleheads Meeting May 7th

Looks like the as-per-usual terrific agenda from our local MN Bogleheads. See you all this Saturday!

a2z
by a2z
Thu Oct 29, 2015 10:46 am
Forum: Local Chapters and Bogleheads Community
Topic: MN Bogleheads Meet Nov. 7, 2015 -Update
Replies: 30
Views: 3532

Re: Minnesota Bogleheads Meet Nov. 7, 2015

As usual it looks like another terrific MN-BH program! Sorry I have another commitment that morning and cannot attend. Look forward to hearing about it.

Cheers
A2Z
by a2z
Fri May 01, 2015 11:28 am
Forum: Local Chapters and Bogleheads Community
Topic: minnesota mtg | may-2 | bloomington library | awesome
Replies: 8
Views: 1261

Re: minnesota mtg | may-2 | bloomington library | awesome

I'll be there...more great topics to discuss & share.

Phil
by a2z
Wed Feb 04, 2015 9:53 pm
Forum: Local Chapters and Bogleheads Community
Topic: Minnesota mtg | Feb-7 @ 9:30am | Library in Minnetonka
Replies: 10
Views: 1305

Re: Minnesota mtg | Feb-7 @ 9:30am | Library in Minnetonka

I'm going. Looks like a terrific program as per usual.

a2z
by a2z
Sun Oct 26, 2014 7:26 pm
Forum: Local Chapters and Bogleheads Community
Topic: Minnesota mtg | sat Nov-1 | 10:00am | agenda attached
Replies: 7
Views: 1430

Re: Minnesota mtg | sat Nov-1 | 10:00am | agenda attached

Looking forward to the program & hope to see some new & familiar faces too. Thanks for posting.

a2z
by a2z
Tue Sep 09, 2014 7:10 pm
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3973

Re: Poll: Which iPhone 6?

I just bought an iPhone 5s & have a 2 year Verizon plan for $55/month + taxes which created as much excitement as when I got my last furnace. I wanted to join Page Plus but couldn't get clear info for how they accomodate iPhones especially the 5s. And I couldn't find a realiable seller for a 5s....
by a2z
Wed Jan 29, 2014 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Need advice to train 5-years old investor
Replies: 30
Views: 2093

Re: Need advice to train 5-years old investor

I have yet to buy the product in this link- http://www.msgen.com/assembled/money_savvy_pig.html#.UulVa5vijE0 but would sure appreciate someone's opinion of it. The bank has all the necesary slots- INVEST, SPEND, SAVE & DONATE- for what I do (other than gamble) with money. I'm just about ready to...
by a2z
Mon Jan 13, 2014 1:25 pm
Forum: Personal Consumer Issues
Topic: Thinking about buying a 2014 Acura RDX
Replies: 44
Views: 10520

Re: Thinking about buying a 2014 Acura RDX

I bought a 2013 Honda CRV EX-L AWD last year. I was somewhat influenced by this link from Edmunds that compares various figures. http://www.edmunds.com/car-comparisons/?veh1=200436013|suv&veh2=101426820|suv&veh3=200426215|suv&veh4=200445607|suv&show=0|1|8&comparatorId=528248 The ...
by a2z
Tue Sep 03, 2013 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Brand new Teacher - 403b help/advice - Only thing offered
Replies: 33
Views: 3680

Re: Brand new Teacher - 403b help/advice - Only thing offere

I am a retired public school teacher and have contributed to both a state of MN 457 Deferred Comp Plan and a 403b plan. Both the 457 and the 403b have unique advantages and disadvantages. Compare both of them via these links- http://www.403bwise.com/ http://403bwise.com/participants/getwise_457b.htm...
by a2z
Mon Aug 19, 2013 6:47 pm
Forum: Personal Consumer Issues
Topic: Honda CRV Purchase Price
Replies: 13
Views: 4993

Re: Honda CRV Purchase Price

We recently bought a 2013 Honda CRV EX-L AWD. I used https://ec.consumerreports.org/ec/aps/order.htm?INTKEY=I0AH0L8 which costs $14 per vehicle. I found it very very helpful. After I got the Consumer Report Bottom Line Price I began negotiating. I started emailing a half dozen local dealers in MPLS ...
by a2z
Fri Feb 08, 2013 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate Treasury or Total Bond Fund?
Replies: 10
Views: 2257

Re: Intermediate Treasury or Total Bond Fund?

For some years now Simba’s backtests have been my go-to-financial-advisor. Blessings to Simba! Using Simba’s spreadsheets, I’ve compared VFITX-5 Year T Bills with VIPSX-Synthetic TIPS. To me the results are clear and definitive. VFITX has had higher Sharpe numbers, higher CAGR-Compound Annual Growth...
by a2z
Wed Feb 06, 2013 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Treasury or Total Bond Fund?
Replies: 10
Views: 2257

Re: Intermediate Treasury or Total Bond Fund?

Just when I'm getting close to deciding between VBMFX and VFITX along comes the newly announced Vanguard Total International Bond Index Fund. Now what? I'm close to choosing VFITX because of its smaller correlation to stocks both US and INTL according to Simba 2012 backtested data. And yes, I do und...
by a2z
Mon Feb 04, 2013 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Treasury or Total Bond Fund?
Replies: 10
Views: 2257

Re: Intermediate Treasury or Total Bond Fund?

Hi damjam

I'm not familiar with the bond book by Thau but I'll be checking it out at my library. Sounds consistent with Swedroe's advice. Thanks for your time and book reference.

a2z
by a2z
Mon Feb 04, 2013 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: Intermediate Treasury or Total Bond Fund?
Replies: 10
Views: 2257

Intermediate Treasury or Total Bond Fund?

I’m after advice on which fund to have in my portfolio- Vanguard Total Bond Market Fund VBMFX or Vanguard Intermediate Term Treasury Bond Fund VFITX. BACKGROUND : My IPS calls for 30% TIPS and 30% other bonds. Both funds are in Traditional IRAs. I’m already invested 30% Vanguard Inflationary Protect...
by a2z
Thu Aug 23, 2012 9:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1373891

Re: What Book Are You Currently Reading? Part V

I'm currently reading The Warmth of Other Suns which chronicles America's great black migration from 1915-1970. As usual the clarity of history helps me understand now.
by a2z
Fri May 04, 2012 12:58 pm
Forum: Personal Consumer Issues
Topic: New Binoculars
Replies: 23
Views: 2466

Re: New Binoculars

I second the vote for Eagle Optics. Terrifc service and value.

a2z
by a2z
Tue Mar 13, 2012 9:52 am
Forum: Personal Consumer Issues
Topic: Replacing rented Comcast cable modem?
Replies: 58
Views: 19697

Re: Replacing rented Comcast cable modem?

I spoke with a Comcast rep today who confirmed that the modem I should buy is the Arris 722G and it is available at 3 Best Buy stores. The rep also informed me that there is a $50 installation fee/expense/cost added to the price of the modem. Also consider I have a landline phone so your suggested m...
by a2z
Tue Feb 21, 2012 8:07 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads mission
Replies: 21
Views: 2115

Re: Bogleheads mission

Here is my latest, brief Bogleheads elevator speech. It is indeed not intended to be the consumate Bogleheads.org mission statment nor is it intended to speak for Bogleheads around the planet. It is mainly for my use though fellow like-minded Bogleheads may use it at their peril. Bogleheads…help peo...
by a2z
Mon Feb 20, 2012 11:45 am
Forum: Investing - Theory, News & General
Topic: Bogleheads mission
Replies: 21
Views: 2115

Re: Bogleheads mission

Here's the latest revised and condensed version of my original Bogleheads mission/elevator speech. Thanks to all who have contributed, and a special note of thanks to Peter Foley for suggesting a close version of my "hopefully" final draft. Bogleheads...support individuals to make intellig...
by a2z
Fri Feb 17, 2012 9:25 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads mission
Replies: 21
Views: 2115

Re: Bogleheads mission

Thanks to all who have offered suggestions and references. Regarding Taylor’s notice of pending IRS clearance, I had no idea I was wading into a taxable ocean. I believe the Bogleheads Forum was originally grounded in investing. More specifically, “invest in low-cost mutual index funds.” That ground...
by a2z
Tue Feb 14, 2012 10:36 am
Forum: Investing - Theory, News & General
Topic: Bogleheads mission
Replies: 21
Views: 2115

Bogleheads mission

I am attempting to write a Bogleheads mission statement and so I'm looking to fellow Bogleheads for feedback. I find that when our local group gathers there are lots of questions raised, mainly by newcomers, surrounding our purpose and mission. I appreciate your suggestions regarding the following d...
by a2z
Thu Sep 22, 2011 9:54 am
Forum: Investing - Help with Personal Investments
Topic: 403b and 457
Replies: 15
Views: 1565

Visit
http://www.403bwise.com/
for terrific info surrounding 403bs and 457s.

a2z
by a2z
Fri May 07, 2010 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Wife's 403b providers
Replies: 38
Views: 3901

As a retired public school teacher I contributed to 403(b)s and became much better educated by consulting with http://www.403bwise.com website. 403(b)wise was originally launched in March 2000 by two educators fed up with the lack of objective 403(b) information available to participants. I'd strong...
by a2z
Sat Jan 16, 2010 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Can I just drop Medicare Part D?
Replies: 25
Views: 5394

Part D or not?

Last year I turned 65 and signed up for Medicare Part A. I also purchased Part B but did not get Part D. I remain uncertain whether or not to get Part D. I do not take any prescriptions or any over-the-counter drugs other than a multiple vitamin. Good genes I suppose. I have simply put off buying Pa...
by a2z
Mon Aug 10, 2009 11:53 am
Forum: Personal Consumer Issues
Topic: What Book Are YOU Currently Reading? PART II
Replies: 1043
Views: 279544

recent reads...

Nothing to be Frightened Of a memoir by Julian Barnes
de Kooning a terrific bio of the painter Willem de Kooning by Mark Stevens and Annalyn Swan
and The Man Who Loved China by Simon Winchester non-fiction about China's contributions to science

enjoy each as I have

a2z
by a2z
Fri Mar 13, 2009 7:30 am
Forum: Personal Consumer Issues
Topic: Netflix Question
Replies: 39
Views: 5541

The two times we had a "long wait" movie at the top it has come right away. Try it and see if it works for you. Good luck!
by a2z
Mon Feb 02, 2009 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Finding the right financial adviser
Replies: 12
Views: 1941

For help with your question try this website...

www.cfp.net/search

Best wishes,
a2z
by a2z
Sat Jan 31, 2009 5:46 pm
Forum: Investing - Theory, News & General
Topic: GOT ANY PEARLS OF WISDOM FOR BOGLEHEADS BOOK?
Replies: 210
Views: 32057

Consider these... When deciding when to retire only two numbers are significant: 1) how much money you have and, 2) how long you will live. Money don't care who owns it. Looking forward to the next Bogleheads Guide to read, reread and send to my family as I did with the first. Thanks again. a2z
by a2z
Tue Dec 02, 2008 8:59 pm
Forum: Investing - Help with Personal Investments
Topic: TLH transaction
Replies: 3
Views: 785

No capital gains, fed taxes are 25%+ and state taxes are high, so...looks like it's time to close the deal.

Thanks Sewall & DBR
by a2z
Tue Dec 02, 2008 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: TLH transaction
Replies: 3
Views: 785

TLH transaction

After reading and rereading all the Boglehead conversations about TLH I’ve decided to act. I’ll TLH by transferring TSM-VTSMX into the Large Cap Index-VLACX. As I understand it I can deduct $3000 yearly against ordinary income. I’ll be placing my transfer in the next few days if I receive no further...
by a2z
Sat Aug 16, 2008 10:09 am
Forum: Investing - Help with Personal Investments
Topic: 403b dilemma
Replies: 18
Views: 3335

An excellent site for 403b and 457 info is the 403bwise.com website. Do post your current question on their discussion board. They also have lots of info surrounding 403b's on the site, too.

Phil
by a2z
Wed May 14, 2008 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Topics for a high school personal finance unit
Replies: 42
Views: 8877

Midst all the above mentioned excellent advice I would have students explore and identify their family's money values. Conversations like those found in: http://www.diehards.org/forum/viewtopic.php?t=7177&start=0 will aid students how they've come to believe in what they value about money and fi...
by a2z
Wed Dec 19, 2007 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Short or Intermediate Treasury Fund for use in 7-10 years?
Replies: 6
Views: 1644

I'm assuming the bonds are in taxables...

So...I will not assume, but ask- what influence, if any, does the location (taxables or tax-deferred) have in the duration of the bonds?

Thanks

a2z
by a2z
Tue Dec 11, 2007 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: AIG VALIC 403(b) - opinions anyone?
Replies: 21
Views: 11314

Stratton Yes, VALIC does have differing fees. And yes, some fees can be rather high as evidenced by your friend's. My own evidence with VALIC is different. Fees for my former colleagues are obviously much better. The lesson is clear- look at the fees, use the tax-defer match, lobby for better choice...
by a2z
Tue Dec 11, 2007 10:20 am
Forum: Investing - Help with Personal Investments
Topic: AIG VALIC 403(b) - opinions anyone?
Replies: 21
Views: 11314

Not all 403(b)'s are created equally. The school district from which I retired contracted with AIG Valic as its sole 403(b) vendor. We negotiated with AIG for administrative fees of .20% plus varying operating fees for the various funds. None of the funds are annuities and all funds have a ticker. I...
by a2z
Tue Nov 20, 2007 8:02 am
Forum: Investing - Help with Personal Investments
Topic: Money Market, CDs or Bond Fund?
Replies: 14
Views: 4224

Hi grok, Sorry I don't fit any of the Pentagon CU backgrounds for membership. Your CD suggestion though raised a question for me. Would CDs or bond funds (for example VSIFX-Short Term Treasury or VMLTX-Limited Term Tax Exempt or even VFSTX-Short Term Investment Grade) have greater or less gains in t...
by a2z
Mon Nov 19, 2007 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Money Market, CDs or Bond Fund?
Replies: 14
Views: 4224

Hi Ken, Thanks so much for laying out a comprehensive, clear and detailed account of my questions. At first glance I'll probably go with your suggestions of either VFISX or VMLTX though I like VMLTX's lower ER. I will then split CDs, MM and the bond fund into 1/3s and read a good book. Regarding you...
by a2z
Mon Nov 19, 2007 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Money Market, CDs or Bond Fund?
Replies: 14
Views: 4224

Money Market, CDs or Bond Fund?

So… here’s my situation. I’m in the withdrawal phase of my portfolio. Currently I withdraw 3% from it to meet expenses. I’m taxed at the 25% federal tax rate and 7% state tax rate (ouch!). I have 3 years of taxable fixed assets in a combo of a MM fund and a 3 month CD- which I‘ll renew. I‘m planning...
by a2z
Sat Nov 17, 2007 9:26 am
Forum: Personal Finance (Not Investing)
Topic: Basic Golf Driver
Replies: 24
Views: 5691

The answer is go with a closeout driver from a major manufacter. Check the retailers with a web presence such as golfsmith.com or austads.com. Look for closeouts or pre-owned which can still be covered by the manufactures warranty. Callaway has a great pre-owned website as well: callawaygolfpreowned...
by a2z
Fri Nov 16, 2007 11:24 pm
Forum: Forum Issues and Administration
Topic: INVESTING FORUM SPLIT - Please read
Replies: 20
Views: 6046

2 suggestions that may help to explain posts: Use capital letters T and H like done for OT for Off Topic. I think they will add clarity. Another possiblility is to distinguish the shorthand letters H, T and OT by giving each a different color. I see colors red and blue are already used to distinguis...
by a2z
Mon Nov 05, 2007 10:47 am
Forum: Investing - Theory, News & General
Topic: Swensen Portfolio in Retirement
Replies: 8
Views: 3656

CyberBob However, that 10 years isn't best invested in all cash. More along the lines of: year 1 in money market fund years 2-5 in short-term bonds years 5-10 in intermediate-term bonds and TIPS years 10+ in stocks Will these MM/bond/TIPS funds be in taxables? Everything I read says bonds in taxable...
by a2z
Sat Nov 03, 2007 10:20 am
Forum: Investing - Help with Personal Investments
Topic: ROTH rationale
Replies: 10
Views: 2430

tdhg566 Thanks for the reminder. I have done just that in placing my most efficient funds in taxables and least efficient in IRAs and my ROTH. Rwwoods Thanks for your explanation. As I understand your withdrawal plan you will be withdrawing from your ROTH before IRAs. Recommendations I have read su...
by a2z
Fri Nov 02, 2007 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH rationale
Replies: 10
Views: 2430

ROTH rationale

I'm trying to find a rationale for which fund(s) should be in my ROTH. Curently my ROTH is 8% of my portfolio and is all Small Cap Value-VISVX. It's there mainly because of convenience- 8% of VISVX is what I've designated to portfolio diversification. My understanding is that my ROTH is the last to ...
by a2z
Wed Aug 29, 2007 11:09 am
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on Television
Replies: 18
Views: 5236

Ditto SpringMan. Initially excited as I was to hear from a fairly diverse distinguished panel on The Call today, the moderators took a backseat to the "combatants". TV/video media does a remarkable job when emphasizing drama and emotional outcries. Unfortunately, as today, TV remains inept...
by a2z
Thu Aug 09, 2007 10:00 pm
Forum: Personal Finance (Not Investing)
Topic: Golf question: Anyone play a driver with a draw bias?
Replies: 14
Views: 3837

This info is via my son-in-law the golf rep. He states: Draw bias means that there are 8 more grams of weight distributed to the heel of the golf club. This weight helps the clubface close at impact. Fusion technology allows Callaway to reposition weight internally to optimize ball flight for all pl...
by a2z
Mon Aug 06, 2007 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond funds?
Replies: 10
Views: 2983

Once again I am very grateful for all the diehard expertise and time given to my curiosity and understanding of bonds. LAURA: Thanks for reminding me to keep it simple. I can get carried away with complexity. INDEX FAN: I appreciate you sharing your bond plan. VALUETHINKER: Thanks for suggesting “ph...

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