Search found 355 matches

by chabil
Mon Jun 19, 2017 12:37 pm
Forum: Investing - Theory, News & General
Topic: Avoid taking Dividends?
Replies: 19
Views: 1604

Re: Avoid taking Dividends?

Thank you, Livesoft. We are in the exact tax situation you describe. I need to look into this and understand the whole link of TLH to avoiding dividend strategy. And then explain to my husband so he doesn't go into shock when I tell him we are going to avoid taking dividends, and that is a GOOD thing.
by chabil
Mon Jun 19, 2017 12:15 pm
Forum: Investing - Theory, News & General
Topic: Avoid taking Dividends?
Replies: 19
Views: 1604

Avoid taking Dividends?

Livesoft: A consequence is that the mutual fund shareholder received the information too late to make an informed decision about avoiding the dividend. The ETF shareholder can sell the ETF shares and buy the mutual fund shares on Monday 6/13 and avoid the dividend. ... Bonus comment: Folks who tax-l...
by chabil
Sun May 21, 2017 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Question for you high net worth individuals... [real estate investments]
Replies: 82
Views: 10455

Re: Question for you high net worth individuals...

zero, not counting the value of our house.
wish there was a poll to know what percentage hold real estate as income.
by chabil
Mon May 08, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: How do Bogleheads buy cars?
Replies: 71
Views: 7502

Re: How do Bogleheads buy cars?

We avoid sedans as their styling tends to age more quickly than, say, an SUV. My wife is looking to replace her car. I commented on one of the models she is considering - "the grill looks a little weird, don't you think?" Reply: "What do I care? I'm going to be on the inside." :...
by chabil
Sun Apr 30, 2017 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: Dealing with regret
Replies: 102
Views: 8964

Re: Dealing with regret

Plan to work a few more years than you did before retiring. Invest time and energy in your career and make it rewarding and satisfying for the long run. Be frugal but don't punish yourself. Develop interests outside of work and get yours self into it deeply. Let go of the illusion that everything is...
by chabil
Wed Apr 26, 2017 11:05 am
Forum: Personal Finance (Not Investing)
Topic: Any regrets living a frugal life for high income/high networth individuals?
Replies: 170
Views: 20414

Re: Any regrets living a frugal life for high income/high networth individuals?

My husband retired at 74. He retired when he no longer enjoyed his work and until then he was the happiest man I knew who got up early and took the commute to work everyday. He was always afraid of lay-offs having worked a for a company that was famous for that. Consequently we invested to max on 40...
by chabil
Mon Mar 27, 2017 4:30 pm
Forum: Investing - Theory, News & General
Topic: Illusion of poverty/wealth
Replies: 159
Views: 21263

Illusion of poverty/wealth

https://www.wsj.com/articles/would-you- ... 1490582208

An easy formula for projecting monthly income from net worth.
by chabil
Sun Mar 19, 2017 6:31 pm
Forum: Investing - Help with Personal Investments
Topic: TLH and effect on MAGI
Replies: 4
Views: 371

Re: TLH and effect on MAGI

Let me restate my question. After setting the Cap Loss against all Cap gains I end up with net loss (carried over) and reduced AGI What I am wondering is what effect this has on the Medicare insurance we pay via Social Security. Do they (whoever calculates these things) ADD BACK the cap gains as inc...
by chabil
Sun Mar 19, 2017 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: TLH and effect on MAGI
Replies: 4
Views: 371

TLH and effect on MAGI

We are retired and in the 25% tax bracket. I have also been doing some TLH and using it to weed out the taxable account of some tax-inefficient funds, such as REITs and other Bond funds that should not have been there in the first place (pre-Boglehead days :oops: ) and incur capital gains.In additio...
by chabil
Wed Mar 01, 2017 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Lousy Customer Service
Replies: 84
Views: 6639

Re: Vanguard Lousy Customer Service

Has anyone contacted Vanguard execs about this before? We do the MRW (minimum required withdrawal) from my husband's IRA every year in December. Our instruction to our rep. this year was to withdraw the RMW, withhold 30% in Federal and 10% in state tax, do one conversion to Roth and invest the bala...
by chabil
Wed Feb 22, 2017 7:06 pm
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 976

Re: How efficiently are my investments working?

livesoft wrote:I don't even know what "efficiently working" means in this situation.


Are they yielding a decent return for 60:40 portfolio of equity:bonds? how do i draw a number that I can use to compare?
What other information do I need?
by chabil
Wed Feb 22, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 976

Re: How efficiently are my investments working?

You say all earnings are reinvested, but then say income is $25,000. Are you referring to $25,000 in dividends that were reinvested? yes What are you invested in? All vanguard funds, 60 equity, 40 bond funds $5,000 would have little impact on the time weighted return. Read up on money weighted vs. ...
by chabil
Wed Feb 22, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 976

Re: How efficiently are my investments working?

invst65 wrote:The only information I can draw is that you had one hell of a ROI for one year if I'm reading your numbers correctly.

Do tell us what you were invested in.

:mrgreen: this is an imaginary scenario. i am not putting my real numbers.
by chabil
Wed Feb 22, 2017 6:35 pm
Forum: Investing - Theory, News & General
Topic: How efficiently are my investments working?
Replies: 15
Views: 976

How efficiently are my investments working?

I have some numbers but not sure how they fit in to answer my question. So here is a scenario. On Jan 1, 2016 I start out with portfolio value of 1 million On Dec 31 2016 it is at 1.6 million All earning are reinvested into the same funds. No other fresh money goes into the portfolio. Total income f...
by chabil
Mon Feb 20, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 10
Views: 1071

Re: Reinvesting dividends and cap gains in taxable account

The tax lots are not a problem. if you click on the cost basis tab it lists all your shares and each purchase and you can choose to sell the lots you want.
by chabil
Mon Feb 20, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Reinvesting dividends and cap gains in taxable account
Replies: 10
Views: 1071

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 chabil
Mon Feb 20, 2017 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Faith in Vanguard shaken after seeing wrong name on my 1099 & Statements
Replies: 28
Views: 4025

Re: Faith in Vanguard shaken after seeing wrong name on my 1099 & Statements

Just another customer experience, but not to minimize Jane's problem which is pretty scary. I once had a customer rep. who was truly awful, in the sense of incompetent. After a few attempts to rectify the situation I wrote to the director of customer service. I was immediately assigned a new rep. wh...
by chabil
Fri Feb 17, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2016 DELUXE with Schedule D - changes?
Replies: 4
Views: 515

Re: TurboTax 2016 DELUXE with Schedule D - changes?

Thank you for the responses. It is reassuring to know that others have found nothing wrong. We had over withheld for taxes last year and decided to withhold less this year. but right now the way the counter is going is alarming me but i will wait until i finish entering all the data. When I download...
by chabil
Fri Feb 17, 2017 8:49 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax 2016 DELUXE with Schedule D - changes?
Replies: 4
Views: 515

TurboTax 2016 DELUXE with Schedule D - changes?

We are both retired. Our income from all the usual sources are about the same as last year. I have the downloaded version and just started working on it. The taxes we owe I see in the counter is stressing me out. Our income from assets as well as the RMW have all been about the same as last year. We...
by chabil
Wed Feb 15, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Options to a Bose Wave Radio
Replies: 21
Views: 4676

Re: Options to a Bose Wave Radio

Bumping it up. I love my Bose Wave radio and I want another radio upstairs. I mostly listen to NPR and sometimes I like to listen to music, mostly FM but also want AM. But i would like something less pricey - around $100, that i can connect and play my songs and podcasts from my iphone, good sound q...
by chabil
Tue Feb 14, 2017 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: How & when to sell lots of a single stock with huge capital gains
Replies: 40
Views: 3073

Re: How & when to sell lots of a single stock with huge capital gains

whatever they do, best to sell BEFORE they retire. it get a lot more tricky then because of Medicare, RMW, etc
by chabil
Tue Feb 14, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Why do you go to restaurants?
Replies: 229
Views: 17433

Re: Why do you go to restaurants?

Pick better restaurants. If you eat in the right restaurants the food will be better than you can make and the service is icing on the cake. This. However more and more restaurant food is becoming a disappointment. They lack flavor and taste. Choosing a good place to eat is time consuming and it is...
by chabil
Wed Feb 01, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Portfolio With Tax Loss
Replies: 0
Views: 201

Rebalancing Portfolio With Tax Loss

We have a few tax-inefficient funds in our Taxable assets. Since becoming a Bogleheads I have been eliminating them gradually with the help of tax loss harvesting and exchanging them for Total Stk Mkt IX in the tax deferred assets. I will have cap.gains in each of these: Wellington 40,000 Wellesley ...
by chabil
Fri Jan 20, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: "Stealth Wealth: I’m Just an Ordinary Average Guy"
Replies: 331
Views: 58285

Re: "Stealth Wealth: I’m Just an Ordinary Average Guy"

We saved as much as we could. Spouse retired at 74. Always did our own finances and taxes. Moved everything into Vanguard indexex. One kid though public school, the other to Prep school to which he very much wanted to go and applied.. Paid for both their college education with no debts. We contribut...
by chabil
Wed Jan 11, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Keeping kitchen knives sharp
Replies: 54
Views: 4702

Re: Keeping kitchen knives sharp

Anyone have any tips for tools to easily keep kitchen knives sharp? Do those dinky little sharpeners that you just slide the knife through really work? Or do you need like a stone type tool that you slide the blade up and across? I'm not really up to snuff on my knife sharpening skills...but need t...
by chabil
Wed Jan 11, 2017 4:20 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 3263

Re: Anyone else having trouble with unrequested CVS auto-refills?

I've never knowingly asked for auto-refill. They always ask me, I always say "no." Two days ago I got a robocall saying my prescription was due for refill, did I want to refill it? After doing a reality check and counting over thirty pills left of my ninety-day supply, I pressed "two...
by chabil
Wed Jan 11, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Selling Dividend Paying stocks
Replies: 1
Views: 337

Selling Dividend Paying stocks

I am transferring some stocks to my son (gift) which will be sold and put into his Roth.
I am bit confused as to what happens to the dividends in this case. Is there an optimum time to sell these stocks so those dividends pertaining to these shares are not lost?
Thank you.
by chabil
Thu Dec 29, 2016 1:16 pm
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 8607

Re: How many of you invest 100% at Vanguard?

All in Vanguard other than a Bond Fund in taxable account from my husband's employer savings plan since before he retired. We cannot move it without liquidating it but it is doing well so we have left it there. We are happy with this arrangement. One benefit is as a Flagship account we get a persona...
by chabil
Thu Dec 15, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on liquidating stock portfolio
Replies: 9
Views: 952

Re: Advice on liquidating stock portfolio

chabil, I don't know exactly what my portfolio is at the moment, and won't until the post-divorce dust settles. I don't have any Medicare insurance because I have group insurance through my employer. I am not sure about the interplay between total income and taxes on the SS. My situation now is com...
by chabil
Thu Dec 15, 2016 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on liquidating stock portfolio
Replies: 9
Views: 952

Re: Advice on liquidating stock portfolio

I don't know if you mentioned what percentage of your total portfolio are the stocks. Even if Cap gains are taxed at 15% the gains will count towards your total income which affects SS taxes and also Medicare insurance. We also have a bunch of stocks with very low cost basis. I have given them as gi...
by chabil
Thu Dec 08, 2016 6:25 pm
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 18
Views: 1848

Re: Smartphone for a low techie

thank you everyone. i think i am going to get him an iphone 6S same as mine. i think he will love it.
by chabil
Sun Dec 04, 2016 5:03 pm
Forum: Personal Consumer Issues
Topic: Smartphone for a low techie
Replies: 18
Views: 1848

Smartphone for a low techie

I am looking for suggestions for a smart phone for my husband. We both always had flip phones on a legacy T-Mobile. we use it only when we travel, when out, and only to communicate with family and close friends. Our use is minimal, we are still land liners, and the land line number is the only one w...
by chabil
Fri Nov 18, 2016 5:54 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floor - purchasing options
Replies: 25
Views: 3006

Re: Hardwood Floor - purchasing options

Thank you for all the responses. This will be in the family room and there is only 2 of use except when children and grandchildren visit. No pets. The garage opens into this room and so that area, which is not carpeted, gets stained summer and winter. This is the main reason I am getting hardwood fl...
by chabil
Mon Nov 14, 2016 3:25 pm
Forum: Personal Consumer Issues
Topic: Hardwood Floor - purchasing options
Replies: 25
Views: 3006

Hardwood Floor - purchasing options

I am considering replacing the carpet with wood for our family room and have it installed. I am a bit confused about where to start. I can go to Home Dept, pick what I like ( real wood, Oak, nailed down) and have them install it. Lumber Liquidators - wasn't there a problem with them a while ago? Do ...
by chabil
Tue Sep 13, 2016 3:11 pm
Forum: Personal Consumer Issues
Topic: How do you block numbers on land line?
Replies: 9
Views: 1177

Re: How do you block numbers on land line?

We use Nomorobo. Had to sign up (for free) and link it to our Verizon landline account. It uses a database of known robo-call numbers and if a call comes in from a number in their database, it will ring once, then get dropped. It is not perfect since you still hear the first ring. Have been using t...
by chabil
Tue Sep 06, 2016 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: How do you calculate your expected expenses in retirement?
Replies: 18
Views: 3478

Re: How do you calculate your expected expenses in retirement?

Before my husband retired I looked at the average of out last three years of expenses on Quicken. After the 401K and any other regular investments all our income and expenses were from a single checking account. I took the statement and categorized the expenses, fixed vs flexible. This told us we c...
by chabil
Mon Sep 05, 2016 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: How do you calculate your expected expenses in retirement?
Replies: 18
Views: 3478

Re: How do you calculate your expected expenses in retirement?

Before my husband retired I looked at the average of out last three years of expenses on Quicken. After the 401K and any other regular investments all our income and expenses were from a single checking account. I took the statement and categorized the expenses, fixed vs flexible. This told us we ca...
by chabil
Mon Sep 05, 2016 1:19 pm
Forum: Investing - Theory, News & General
Topic: Ric Edelman's The Truth about Retirement on PBS
Replies: 142
Views: 14818

Re: Ric Edelman's The Truth about Retirement on PBS

The idea of being debt free at retirement is appealing if you want to do other things with the money - like buy more services and get more time for self, rent a beach home for the summer, travel. Becoming debt free by being more frugal might get you there. But becoming debt free by spending your as...
by chabil
Sun Sep 04, 2016 9:00 pm
Forum: Investing - Theory, News & General
Topic: Ric Edelman's The Truth about Retirement on PBS
Replies: 142
Views: 14818

Re: Ric Edelman's The Truth about Retirement on PBS

The idea of being debt free at retirement is appealing if you want to do other things with the money - like buy more services and get more time for self, rent a beach home for the summer, travel.
by chabil
Sat Aug 27, 2016 9:48 am
Forum: Personal Consumer Issues
Topic: Birding in Big Sur
Replies: 7
Views: 529

Re: Birding in Big Sur

WhyNotUs wrote:I went to the Elkhorn Slough and stayed at a vrbo in Watsonville surrounded by Strawberry fields (forever).

http://www.elkhornslough.org/sloughlife/birds/


I will check into it, thank you. the website's latest checklist is dated Feb 2016.
by chabil
Sat Aug 27, 2016 9:46 am
Forum: Personal Consumer Issues
Topic: Birding in Big Sur
Replies: 7
Views: 529

Re: Birding in Big Sur

I second the suggestion for Elkhorn Slough. I'd suggest renting a kayak and paddling in the slough. You could stay in Monterey, Watsonville, Santa Cruz or between any of them. There is a fire in Big Sur. Also, when I have hiked there, the birding wasn't very good. Think trees but not much water. Oh...
by chabil
Fri Aug 26, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: Birding in Big Sur
Replies: 7
Views: 529

Birding in Big Sur

My husband and I will be driving from LA to Palo Alto late September. We are interested in watching the birds and of course the scenery. I think SLO and Moro Bay are good birding places. We think we may like to stay in the are for a couple of days. Any hotel, motel, B&B suggestions? It will be n...
by chabil
Mon Jul 11, 2016 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Consumer Cellulay IPhone $160
Replies: 2
Views: 420

Consumer Cellulay IPhone $160

With AARP membership. It is an 5s 16GB. Anybody got this? Like it? I am considering getting it transition to my first smart phone.
by chabil
Mon Jul 11, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 15028

Re: How many of you have cut cord?

The debates were all on cable. Ok they were more entertainment for than intellectual but still ... It is the reality. The Dem debates actually were interesting. You can watch the debates the next day for free on YouTube. https://www.youtube.com/results?search_query=democratic+debates Sure. But I do...
by chabil
Mon Jul 11, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 15028

Re: How many of you have cut cord?

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. I feel you are right. Perhaps the cost depends on where you live. We have Comcast (customer for m...
by chabil
Wed Jul 06, 2016 11:51 am
Forum: Investing - Theory, News & General
Topic: Effect of the market on Asset Allocation
Replies: 0
Views: 459

Effect of the market on Asset Allocation

My observations of my portfolio during this ebb and flow of the stock market this year.We are retired and reinvest dividend income into the taxable account - all into Total Stock Mkt. All dividend income in tax deferred funds are reinvested into the same funds. YTD Net Gain about 5% from year end ba...
by chabil
Sun Jul 03, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 15028

Re: How many of you have cut cord?

I don't find Netflix offering satisfactory. It may have to do with my Apple TV search function. If you want to be politically active you do need some amount of cable news. The debates were all on cable. Ok they were more entertainment for than intellectual but still ... It is the reality. The Dem de...
by chabil
Tue Jun 21, 2016 8:10 pm
Forum: Personal Consumer Issues
Topic: Group Travel?
Replies: 14
Views: 1729

Re: Group Travel?

I have not. But a family member used to do Elder hostel all the time (name changed to Road Scholar). https://www.roadscholar.org/ I'm going to try it when I get a bit older. we have done several trips with Road Scholar and we have been mostly pleased. The programs very in activity levels. we went o...
by chabil
Fri Jun 17, 2016 7:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Account Service Error
Replies: 9
Views: 819

Re: Vanguard's Account Service Error

HueyLD wrote:Did you recently convert to a brokerage account?

No. It is part of a taxable account.
by chabil
Fri Jun 17, 2016 7:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Account Service Error
Replies: 9
Views: 819

Re: Vanguard's Account Service Error

This is a known problem. Been happening for years. I find it very irritating because I travel for long periods and do not like the idea of unexpected checks sitting in my mailbox for months. What I did is direct Vanguard to deposit all dividends to my checking account. I'm hoping that will solve th...

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