Search found 423 matches

by chabil
Mon Feb 19, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: Transition from house to apartment
Replies: 28
Views: 2634

Re: Transition from house to apartment

JCE66 wrote:
Mon Feb 19, 2018 7:51 am
chabil....Have you thought of going in the other direction? Meaning, I would give a very long look at Arcadia and especially Sierra Madre.
Thanks for the suggestion. I will take a look. What is attractive about these places?
by chabil
Mon Feb 19, 2018 9:32 pm
Forum: Personal Consumer Issues
Topic: Transition from house to apartment
Replies: 28
Views: 2634

Re: Transition from house to apartment

One issue with moving to an apartment is that you may be facing another move in the not too distant future if either of you requires a more supportive living environment. With that in mind, perhaps consider a continuing care retirement community (CCRC), where you can better age in place without hav...
by chabil
Sat Feb 17, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Transition from house to apartment
Replies: 28
Views: 2634

Re: Transition from house to apartment

Thank you for all the great responses and tips on apartment living. It has been many years since we lived in an apartment and loved all the space in our first house with our new baby. It is reverse now and our needs are different. But I still worry if we will regret moving from house to apartment. I...
by chabil
Fri Feb 16, 2018 5:24 pm
Forum: Personal Consumer Issues
Topic: Transition from house to apartment
Replies: 28
Views: 2634

Transition from house to apartment

We have visited and revisited this dilemma and I am still stumped as to what and how to do this. We would like to move to warm Southern California where our daughter is, in LA, and other family. We made this attempt a few years ago and chickened out. Now we are thinking of this again and I feel new ...
by chabil
Tue Feb 06, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Take advantage of downturn to convert tax-inefficient mutual funds?
Replies: 5
Views: 761

Re: Take advantage of downturn to convert tax-inefficient mutual funds?

I am planning to sell shares of Total Stock Market fund in taxable for loss and also sell my inefficient shares in taxable (Wellington) for equal gain for a net 0 effect. Mainly as an opportunity to lessen the tax-inefficiency. I will exchange both for Prime MM account and after sufficient wait time...
by chabil
Mon Feb 05, 2018 9:35 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 74
Views: 10380

Re: Upgrade button on Vanguard IRA

Bump. Every year we get new Vanguard rep. The new rep is doing a hard sell on upgrading out taxable mutual fund vanguard account. I also have Brokerage account which we needed to open when I moved our GE stocks into Vanguard, and that is all it has plus the Settlement account when GE dividends are p...
by chabil
Tue Jan 30, 2018 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Recovery of Vanguard's goof and 10099-Misc
Replies: 7
Views: 764

Re: Recovery of Vanguard's goof and 10099-Misc

livesoft wrote:
Tue Jan 30, 2018 6:39 pm

Another question is can you call the extra penalty and tax an "Investment expense" elsewhere on your 1040 (Schedule A line 23?)?
Exactly what I am wondering why not.
by chabil
Tue Jan 30, 2018 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: Recovery of Vanguard's goof and 10099-Misc
Replies: 7
Views: 764

Re: Recovery of Vanguard's goof and 10099-Misc

Fixed the RMD, Thank you. Sorry my post was not clear. Vanguard withheld the taxes but not the percentages that they were instructed to. They were way off, it was some gross error. Since they always with hold taxes for the amounts we instruct them to, we did not double check it until tax time. We pu...
by chabil
Tue Jan 30, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Recovery of Vanguard's goof and 10099-Misc
Replies: 7
Views: 764

Recovery of Vanguard's goof and 10099-Misc

When we filed our taxes last year we realized the Vanguard failed to withhold taxes as per instructions from our IRA RMD amounts before disbursing the funds to us. It was a very strange mixup, the percentages were all of and they had no explanation other than to acknowledge their error. We had pay a...
by chabil
Mon Jan 29, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Survivor worries . . .
Replies: 14
Views: 2090

Re: Survivor worries . . .

Thank you for all the kind responses and thoughtful advice. My husband and I went out yesterday and over a glass of wine we talked about this. His advice was similar to some here - give yourself 6 months, move into an apartment with security. I asked him what he would do and he was a bit unsure. I t...
by chabil
Mon Jan 29, 2018 4:07 pm
Forum: Personal Consumer Issues
Topic: My new car buying experience.
Replies: 40
Views: 5367

Re: My new car buying experience.

Thank you for this great write up. We are in the market for a new car, it will replace the Lexus that I have which is 12 years old. I am going to duplicate your method to shop for price. We will pay cash so I like that idea of walking in with a check :happy This Google voice - what is that? We have ...
by chabil
Sat Jan 27, 2018 8:24 pm
Forum: Personal Consumer Issues
Topic: Survivor worries . . .
Replies: 14
Views: 2090

Survivor worries . . .

Have you sat down and talked about what each of you will do, manage, and live after one passes. We are 67 and 78, I am the youngster. While I feel competent now, manage our finances and keep track of our investments etc, taxes, I worry about managing on my own if I have to be alone. Not so much abou...
by chabil
Sat Jan 27, 2018 8:16 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax Question
Replies: 8
Views: 1181

Re: Capital Gains Tax Question

The capital gains can affect your MAGI income for Medicare tax.
by chabil
Sun Jan 21, 2018 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Does anyone here with net worths north of $1 mil use financial advisors?
Replies: 219
Views: 27081

Re: Does anyone here with net worths north of $1 mil use financial advisors?

No. We got free advice in the form of general suggestion from the company's employee financial advice forums. When we did go to interview FA to consider hiring them, we were not impressed and did not believe in handing over the control of our assets to someone else. But I have received priceless adv...
by chabil
Sun Jan 21, 2018 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Question with vanguard allocation
Replies: 53
Views: 2220

Re: Question with vanguard allocation

I currently have 100% of my ira in Lifestrategy Growth Fund which is 90% stocks, 10% bonds...im worried about the market topping off and want to keep my earnings in case of a market correction. Would you keep 50% in lifestrategy growth and 50% in lifestrategy conservative? That way if i take a hit ...
by chabil
Sat Jan 20, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy Growth and Total Stock market -Roth
Replies: 10
Views: 833

Re: Lifestrategy Growth and Total Stock market -Roth

Thank you for all the responses. I merely asked for opinion on the two funds, not on AA and any kind of investment philosophy. I have Life strategy Growth in my own portfolio unfortunately in a taxable account. It has performed well in the past, not so great now after all the tinkering with it. Upon...
by chabil
Sat Jan 20, 2018 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy Growth and Total Stock market -Roth
Replies: 10
Views: 833

Re: Lifestrategy Growth and Total Stock market -Roth

I think he needs to take control of his investments and put some effort into settling on an asset allocation. If he already has, he should share it with you. One should not invest based on what has performed well recently. Invest according to one’s IPS. I second this. Wow. Rudest and most unhelpful...
by chabil
Sat Jan 20, 2018 9:56 am
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy Growth and Total Stock market -Roth
Replies: 10
Views: 833

Lifestrategy Growth and Total Stock market -Roth

I gift my son every year by contributing into his Roth. I am not sure what his other holdings are in tax deferred but I believe it is a target retirement fund provided by his university employer. He has no taxable investments. I am unable to give an exact portfolio. So he has 36k in VTSAX and 6.5K i...
by chabil
Tue Jan 16, 2018 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax Forms Now Online
Replies: 39
Views: 2802

Re: Vanguard Tax Forms Now Online

Seasonal wrote:
Tue Jan 16, 2018 5:53 pm
I'm getting "Tax information is temporarily unavailable. Please try again later or contact us." at the moment when I try to download my forms.

Anyone else?

Perhaps Vanguard heard livesoft.
Me too.
by chabil
Mon Jan 15, 2018 3:23 pm
Forum: Personal Consumer Issues
Topic: Any high-end skincare products worth it?
Replies: 37
Views: 3113

Re: Any high-end skincare products worth it?

I use 2 Murad products. One is an exfoliant scrub I use on a my face whenever I remember to in the shower. I use a day cream with high SPF that goes on smooth, makes my face not just feel but look moist. I have not found a cheaper substitute for these products that work just as well. If I need make ...
by chabil
Mon Jan 15, 2018 11:13 am
Forum: Investing - Theory, News & General
Topic: Electronic delivery of forms
Replies: 6
Views: 378

Electronic delivery of forms

I am talking about delivery TO the investment company. I have spent two days trying to deliver to Vanguard a completed and signed form for transfer of shares. The only choice I have it seems is fax or snail mail. You would think a company that encourages me to accept delivery my documents electronic...
by chabil
Wed Jan 10, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: Year End Planning
Replies: 7
Views: 408

Re: Year End Planning

When you take stock of the year end portfolio performance what kind of things do you evaluate, if any? I compare portfolio performance to several benchmarks. I want my portfolio performance to be higher than my benchmarks and failing that, to be so close to benchmarks that one or two more market da...
by chabil
Wed Jan 10, 2018 12:56 pm
Forum: Investing - Theory, News & General
Topic: Year End Planning
Replies: 7
Views: 408

Re: Year End Planning

evofxdwg wrote:
Wed Jan 10, 2018 12:42 pm

PS: Your post is confusing. You exchanged out of all bonds and still have the same stock: bond ratio as before?????
Yes. My IRA and within it my Wellington holding is a fraction of the whole portfolio. So the change to AA is minimal. :happy
by chabil
Wed Jan 10, 2018 12:00 pm
Forum: Investing - Theory, News & General
Topic: Year End Planning
Replies: 7
Views: 408

Year End Planning

When you take stock of the year end portfolio performance what kind of things do you evaluate, if any? Do you make any changes based on the numbers? I hold Wellington in my IRA besides 2 other bond funds and a REIT. I just exchanged 100% of the Bond funds into Wellington. Not exactly based on perfor...
by chabil
Wed Jan 10, 2018 11:18 am
Forum: Investing - Help with Personal Investments
Topic: VTIAX VS VFWAX
Replies: 4
Views: 1263

Re: VTIAX VS VFWAX

I have both - not sure why. FTSE seems to return more in 10 years than the VTIAX.
by chabil
Fri Dec 15, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: US Postal Service Informed Delivery
Replies: 30
Views: 1978

Re: US Postal Service Informed Delivery

I tried to stop mail and i got an alert that the service is not available currently???
by chabil
Fri Dec 15, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 171
Views: 21222

Re: TurboTax Prices

Anybody found anything less than 59.00 for TT Delux,FED and State? I saw it in Staples.
Amazon has it for 50, plus tax, free shipping.
by chabil
Fri Dec 08, 2017 9:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 77
Views: 10809

Re: Vanguard year end distributions - updated estimates

Artsdoctor wrote:
Fri Dec 08, 2017 8:05 pm
Also, we tend to think of the FTSE ex-US fund as being a perfect TLH equivalent fund for the Total International fund but dividends for that fund are 72% QDI whereas the latter is only 66%.
Last year I thought they were just 1% off. Wonder why Total International is so much less this year.
by chabil
Thu Nov 23, 2017 7:06 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9873

Re: Regrets for taking SS at 62 or waiting?

My husband retired at 74. By that time he was drawing a salary, pension, and SS from 62. I also filed at 62, I get much less than him, and no pension. I wonder sometimes if we did the right thing but he is absolutely certain he did the right thing. Our investments grew, we paid off our mortgage earl...
by chabil
Sat Nov 11, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Do you meditate?
Replies: 131
Views: 10718

Re: Do you meditate?

Yoga, yes, twice a week. I have ankylosing spondylitis, and yoga is a necessity. There's simply nothing better for fighting the stiffness in my back and neck. I have a hard time with meditation though. My mind tends to wander even during the brief rest time at the end of yoga class. So I just let i...
by chabil
Mon Nov 06, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3511

Re: bidets

I have not read through the entire thread yet but we installed a handheld bidet in our toilet. It is attached to the toilet tank and you have a faucet to rinse. I ordered it from Canada, could not find one here. But now I see Home Depot sells it. Simple to install and works great. The faucet is on t...
by chabil
Sun Nov 05, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Trade QUICKEN for Spreadsheet
Replies: 28
Views: 2189

Re: Trade QUICKEN for Spreadsheet

you might find that you don't need to roll your own. https://www.vertex42.com/ExcelTemplates/excel-checkbook.html I would love a spreadsheet instead of Quicken. I cannot even print from quicken anymore. it is old. Before i download it, if you have used it can you share how you use it, what you find...
by chabil
Tue Oct 31, 2017 3:20 am
Forum: Personal Consumer Issues
Topic: Retirees: which websites do you spend the most time on?
Replies: 33
Views: 6145

Re: Retirees: which websites do you spend the most time on?

I read Bogleheads and city data. I am active on Facebook, the best way to keep in touch with my kids, but also friends and relatives and birding. I look at our finance stuff and check on credit card stuff. I try to limit the time I spend sitting at the PC and have to force myself to get off, do othe...
by chabil
Sun Oct 29, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: RMD and Roth Conversion.
Replies: 5
Views: 487

RMD and Roth Conversion.

Should the amount we want to convert to Roth be withdrawn at the same time as the RMD?
We completed the amount of RMD in May. Can we now withdraw another amount and convert into the Roth account?
by chabil
Sat Oct 28, 2017 10:41 am
Forum: Investing - Theory, News & General
Topic: A question about Vanguard Total Stock fund VTSMX
Replies: 3
Views: 705

A question about Vanguard Total Stock fund VTSMX

With recent news about General Electric stock price and general health, I was looking at the portfolio holding of VTSMX to see where it stands. It is 16th in market value but second in the number of shares held. I hold a fair number of GE shares which I don't want to sell because of the low cost bas...
by chabil
Fri Oct 27, 2017 11:56 am
Forum: Personal Consumer Issues
Topic: bedroom color-current trend?
Replies: 55
Views: 3404

Re: bedroom color-current trend?

Our master walls: https://www.sherwin-williams.com/homeowners/color/find-and-explore-colors/paint-colors-by-family/SW7674#/7674/?s=coordinatingColors&p=PS0 I love gray and have it in many areas. It is soothing and feels good. However the trend is also to paint the trims white which of course looks ...
by chabil
Sat Oct 07, 2017 10:02 pm
Forum: Personal Consumer Issues
Topic: Do you want your receipt?
Replies: 99
Views: 8362

Re: Do you want your receipt?

I always demand a receipt and check them against the monthly statement. How else can you check for fraud accurately? Exactly! I'm shocked anyone would say no. I guess they just pay whatever the cc statement says or the minimum. I say no for small purchases, under 10 bucks, particularly groceries, c...
by chabil
Sat Sep 30, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1315

Re: Luggage locks

harrychan wrote:
Sat Sep 30, 2017 12:07 pm
I use zip ties and I tie them tight. If they want to cut them off, be my guest.
do you carry scissors to cut them with you in your carry on? are they allowed?
by chabil
Sat Sep 30, 2017 10:52 am
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2380

Re: Boglehead Investing Simplicity Leading to Simplifying Life?

On the same note of keeping it simple we decided to do our own will as our Vanguard investments and our current house are our only assets and no complicated family relationships, two kids and everything will be divided evenly. We have no trusts, and established POD wherever possible. Now my son is g...
by chabil
Sat Sep 30, 2017 10:37 am
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1315

Re: Luggage locks

OK, good to know pretty much everyone is doing what I am doing. Good to know also that I am not the only one who gets a love note in my suitcase from security every single time. My husband who travels with me never does.But for some reason he gets searched at security more often than I do. Lately ho...
by chabil
Fri Sep 29, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2380

Re: Boglehead Investing Simplicity Leading to Simplifying Life?

I've even condensed my home workout to four bodyweight exercises (pushups, pull-ups, squats, & planks). Yes, me too! In good weather I simply put on a pod cast and walk 3-4 miles, come home and do some weights, stretches, a few Yoga poses. At the gym I do the bike for 20mts, weights for upper body,...
by chabil
Fri Sep 29, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Luggage locks
Replies: 15
Views: 1315

Luggage locks

I usually never lock my suitcase when we travel by air. I had one CD stolen so far and that was in a foreign country. We will be travelling to Africa soon and I want to get a lock. The reason I don't lock is that one time I got one it was broken by security anyway. The other time when I got security...
by chabil
Fri Sep 29, 2017 3:46 pm
Forum: Personal Consumer Issues
Topic: Boglehead Investing Simplicity Leading to Simplifying Life?
Replies: 21
Views: 2380

Re: Boglehead Investing Simplicity Leading to Simplifying Life?

I cleaned up and solidified all our investments (except for one bond fund) into vanguard. Within Vanguard again weeded out unnecessary funds, wrong funds for the asset class, and reduced the number of funds we hold, selling them and setting off cap gains with TLH. I feel very good about this and now...
by chabil
Thu Sep 28, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Impact of Tax Reform plan on Retirees
Replies: 3
Views: 718

Impact of Tax Reform plan on Retirees

How would retirees who have hefty RMD fare in the new tax plan? That and investment income, SS and Pension, all of which are ordinary income, puts us at a pretty high, not the highest, tax bracket. Often we pay AMT. We live in MA and our major deduction is property and state tax, charity. All this w...
by chabil
Fri Sep 15, 2017 5:41 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 711
Views: 56171

Re: Equifax customer information leak

I am so confused I am doing nothing. Yesterday I did the creditIDsecurity something yesterday on my account and got confirmation. I logged on and checked my credit report. Not affected. This morning i read it was those customers who had the service that get hacked.
by chabil
Thu Sep 14, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: Do you pay for yardwork?
Replies: 71
Views: 8422

Re: Do you pay for yardwork?

Bumping this up. We pay for yard work. My husband does the weed and feed because this year our yard service dropped that part and only cut, trim, and blow. I trim bushes, branches that I can reach (5/2, my husband not much taller) and he cleans up. He is also lax now about edging and trimming around...
by chabil
Mon Aug 28, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: Birding trip to Mexico
Replies: 1
Views: 389

Birding trip to Mexico

Has anyone use a travel group to Mexico for birding? I am looking at a tour by Road Scholars to Yucatan that looks interesting. https://www.roadscholar.org/find-an-adventure/3713/birding-the-mayan-ruins-of-the-yucatan-from-the-caribbean-to-palenque Any information, experience in the areas described?...
by chabil
Thu Aug 24, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Financial Plan Puzzle
Replies: 8
Views: 1433

Re: Vanguard Financial Plan Puzzle

Here are the recommended stock funds. This is in the context of a 50-50 portfolio. I understand that the VTSAX by its very nature contains the various cap level companies. If we neglect VEXAX for the moment, it must be correct that this is a simple "buy the market" strategy, and that we are not mes...
by chabil
Thu Aug 24, 2017 10:04 am
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 51
Views: 5067

Re: What do you do with RMD money you don't need?

What does that have to do with RMD's? Any money you don't need can be spent. The question is how do you know you don't need that money. It certainly isn't because it is an RMD. The hidden error that seems to be in the OP is that an RMD is somehow "free money" and can be spent whether it is needed o...
by chabil
Wed Aug 23, 2017 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 51
Views: 5067

Re: What do you do with RMD money you don't need?

After the initial shock at the amount of taxes we were paying due to the RMD we have now become accustomed to viewing the RMD net of taxes and deal with it. After living a careful life all these years it takes some doing to spend for joy.This year we are taking the family with grand kids for an Afri...