Search found 140 matches

by fmhealth
Mon Dec 25, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: REIT or No REIT
Replies: 85
Views: 7770

Re: REIT or No REIT

It appears that the new tax plan will actually have a very favorable impact on REITS.

https://seekingalpha.com/article/413351 ... form?ifp=0
by fmhealth
Mon Dec 25, 2017 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: $60,000 unrealized loss in '17 that I don't need
Replies: 30
Views: 3810

Re: $60,000 unrealized loss in '17 that I don't need

To clarify my post, I didn't lose $60,000 in '17, I lost that amount on one stock. GE. It appears that most replies call for executing the loss this year. Probably the most appropriate course of action. Thanks so much for all your rapier-like responses.

Be Well,
fmhealth
by fmhealth
Mon Dec 25, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: $60,000 unrealized loss in '17 that I don't need
Replies: 30
Views: 3810

$60,000 unrealized loss in '17 that I don't need

Have this loss but I've already taken all the TLH that I need for 2017. I'm conflicted as to weather I should still take this loss now or wait for a possible recovery of this equity in '18?

Any actionable thoughts would be greatly appreciated.

Be Well,
fmhealth
by fmhealth
Mon Dec 25, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: How do Bogleheads save on eyeglasses?
Replies: 87
Views: 5292

Re: How do Bogleheads save on eyeglasses?

Bought two pairs of Foster Grant Multi-Focus Plus @ Walgreens. Total cost $36.00. Thought after 20 years it would be a good idea to have my eyes checked at a local B&M chain. Exam was $65.00. Dr. told me that as long as my vision was fine it made no sense to buy $300 bifocals. I've never had better ...
by fmhealth
Sat Nov 18, 2017 2:46 pm
Forum: Investing - Theory, News & General
Topic: Marijuana stocks
Replies: 11
Views: 1378

Re: Marijuana stocks

Take a close look @ GWPH. They're a real company with a material lead in this field. Only one that I have uncovered with actual PH-3 clinical studies that may offer unique cannabis advantages. A very likely T/O candidate by Big Pharma if legalization ever becomes a reality.

Be Well,
fmhealth
by fmhealth
Wed Oct 25, 2017 11:30 pm
Forum: Personal Finance (Not Investing)
Topic: Request for Promotion letter to Senior Management
Replies: 155
Views: 13444

Re: Request for Promotion letter to Senior Management

Real bright red caution flag embedded in point #5. Comfort level is almost impossible to quantify via achievements & contributions. I would respectfully ask your supervisor to set-up a meeting for you with the decision maker. When, a long,long time ago I found myself in this position I had a boss th...
by fmhealth
Sun Aug 27, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: LTCi or RM
Replies: 18
Views: 975

LTCi or RM

Hi fellow BHs. Here's my conundrum. Our LTCi will be increasing 30% in the near future. W/O going into all the details, we've had this bare bones policy for five years. I'm 72 DW is 68. Total cost will be around $2,200. It comes along with a 180 day waiting period & a 5% inflation rider. Genworth is...
by fmhealth
Sat Jul 15, 2017 10:34 pm
Forum: Personal Consumer Issues
Topic: Las Vegas Trip
Replies: 7
Views: 1377

Re: Las Vegas Trip

Three thoughts that may be helpful. 1- Consider joining the "players club" for each major casino brand, there are really only a few now. Enrollment is free on their website & this will get you lower room rates. 2- Keep in mind that most casino/hotels now charge a $35.00 + tax or greater for a nightl...
by fmhealth
Fri Jun 16, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Cataracts & reading glasses
Replies: 31
Views: 3035

Re: Cataracts & reading glasses

As the OP, I just wanted to circle around & tie up this thread. First of all,thanks so much for all the rapid-fire responses. They were exactly what my DW & I were searching for. After further due diligence with numerous friends & family my DW has decided to forgo this procedure, at least for the fo...
by fmhealth
Wed Jun 14, 2017 9:05 pm
Forum: Personal Consumer Issues
Topic: Cataracts & reading glasses
Replies: 31
Views: 3035

Cataracts & reading glasses

My wife (68) has cataracts & needs surgery so she can read w/o glasses. My feeling is that even after this procedure, she very well may still need reading glasses. I'm not asking for a medical opinion, simply any anecdotal insights with family or friends that can help with her decision. Thanks so mu...
by fmhealth
Mon Jun 05, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: TLH or not? [Tax Loss Harvesting]
Replies: 15
Views: 1287

Re: TLH or not? [Tax Loss Harvesting]

Working & tweaking this strategy for over 15 years. It's not a plan that I recommend for folks that want to have balance in their lives.

Be Well,
fmhealth
by fmhealth
Sat Jun 03, 2017 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: TLH or not? [Tax Loss Harvesting]
Replies: 15
Views: 1287

Re: TLH or not?

Let me clarify, I have $100,000 in G & L that I've realized. Far more gains and some losses that are still to be harvested if & when appropriate. Hope this helps. I'm glad you brought up YTD performance. I'm somewhat embarrassed to admit that I haven't checked until now. Only knew in the most genera...
by fmhealth
Sat Jun 03, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: TLH or not? [Tax Loss Harvesting]
Replies: 15
Views: 1287

Re: TLH or not?

Very valid point concerning trading friction costs between buys & sells. My thoughts on this are the following: 1- I almost always trade in high volume equities. Thus minimizing, but not totally eliminating, his problem. 2- I try to "middle" my option B&S & use limit orders 100% of the time. Almost ...
by fmhealth
Fri Jun 02, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: TLH or not? [Tax Loss Harvesting]
Replies: 15
Views: 1287

Re: TLH or not?

Yes, VG is superb at this form of investing. I'm only a DIY investor because it's my hobby & keeps me interested in the markets on a daily basis. I'm sure VG could get me a better return but that's actually secondary to me at this time in my life. Hard to believe I know but my trading costs are actu...
by fmhealth
Fri Jun 02, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: TLH or not? [Tax Loss Harvesting]
Replies: 15
Views: 1287

Re: TLH or not?

Sorry for the oversight Mr. Soft. Should have included realized G&Ls YTD. All in individual stocks Mr. Bloom. Actually my goal is to build my own no cost, diversified mutual fund. It presently includes 98 equity positions & 116 equity put positions. Thanks for your rapid-replies gentlemen. Be Well, ...
by fmhealth
Fri Jun 02, 2017 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: TLH or not? [Tax Loss Harvesting]
Replies: 15
Views: 1287

TLH or not? [Tax Loss Harvesting]

Here's the backstory. I presently have $100,000 in gains YTD, accompanied by $100,000 in losses. I'm in the 25% bracket. I'm also sitting on a $10,000 unrealized loss in UA (Under Armour). Do I take the loss now or wait till YE? If UA rises in value, I'll have less of a loss, the opposite if it decl...
by fmhealth
Tue May 30, 2017 6:45 am
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 45
Views: 23335

Re: Laptop Purchase at Costco?

Thanks go out to everyone who quickly weighed in with their incisive comments.This information will be very useful in my quest to ultimately replace my Toshiba LT that I think has somehow acquired the Zika virus.

Be Well,
fmhealth
by fmhealth
Mon May 29, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Laptop Purchase at Costco?
Replies: 45
Views: 23335

Re: Laptop Purchase at Costco?

Thought I'd revive this old thread since it is somewhat analogous to my situation. I'm presently doing some D/D on a new laptop. I'm a very basic user & consider myself a techo-idiot, so please bear with me. The following is a outline of what I'm searching for. 1- A L/T with a 17" screen 2- Windows-...
by fmhealth
Sun Apr 02, 2017 2:52 pm
Forum: Personal Finance (Not Investing)
Topic: Should I get another credit card for the inital bonus and other related questions
Replies: 11
Views: 1254

Re: Should I get another credit card for the inital bonus and other related questions

There was a front page article in the 4/1 WSJ discussing your idea on steroids. I can't seem to ferret-out an online copy but this should be very useful to you. Your local library could be a good source.

Be Well,
fmhealth
by fmhealth
Sat Mar 25, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: Azera--Any thoughts on this vehicle
Replies: 3
Views: 563

Azera--Any thoughts on this vehicle

Considering a new car & the Azera has just popped up on my screen. Besides being a Hyundai, I know very little about this one with no personal experience whatsoever. If anyone cares to weigh in with some insights, I would be very appreciative. Thanks so much.

Be Well,
fmhealth
by fmhealth
Tue Mar 21, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 4498

Re: Do I need new tires?

Thanks for all the rapid replies. It's unanimous,100% of the respondents weighed in on the side of new tires. Guess I'll go that route. BTW, that $550.00 quote was from Discount Tires.

Be Well,
fmhealth
by fmhealth
Tue Mar 21, 2017 3:49 pm
Forum: Personal Consumer Issues
Topic: Do I need new tires?
Replies: 51
Views: 4498

Do I need new tires?

Here's the backstory. My car is a '03 Honda Accord with 127,000 miles. After an oil change this week I asked my mechanic to check my six year old tires. His shop doesn't sell tires. His conclusion, although tread is at legal limits of 2/32, he recommends I replace all four simply because of their ag...
by fmhealth
Sun Mar 19, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 2884

Re: Do you purposely spend on products/services with companies that are in your investment portfolio?

Given a reasonable choice, I always support the companies that I own stock in.

Be Well,
fmhealth
by fmhealth
Sun Feb 12, 2017 8:34 pm
Forum: Investing - Help with Personal Investments
Topic: Do some serious TLH in FEB? [Tax Loss Harvesting in February]
Replies: 11
Views: 760

Re: Do some serious TLH in FEB?

I believe but not certain that the rate would be 15%. I leave all these details to my CPA. My goal is simply to end the year taking as many losses as possible against any gains accrued during the year. I usually don't start out as quickly as '17 as unfolded. As a rule, five weeks into the year I'm t...
by fmhealth
Sun Feb 12, 2017 5:52 pm
Forum: Investing - Help with Personal Investments
Topic: Do some serious TLH in FEB? [Tax Loss Harvesting in February]
Replies: 11
Views: 760

Re: Do some serious TLH in FEB?

Perhaps I wasn't clear in my post. I've already realized the gains but have more than an equal amount of UNREALIZED LOSSES to absorb these gains. Please fire-away if this changes your thoughts at all. Thanks so much.

Be Well,
fmhealth
by fmhealth
Sun Feb 12, 2017 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Do some serious TLH in FEB? [Tax Loss Harvesting in February]
Replies: 11
Views: 760

Do some serious TLH in FEB? [Tax Loss Harvesting in February]

I have realized some very significant gains($120,000) so far in '17. I can absorb these gains now by realizing an equal amount of losses. Is this a strategy that you would embrace at this point in time?

Thanks for any sage insights.

Be Well,
fmhealth
by fmhealth
Sun Feb 12, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Initial RMD TAX HELP
Replies: 2
Views: 283

Initial RMD TAX HELP

Back again for some clarification on the TAX IMPACT for my two RMAs this year. Being in the year past 701/2, I have to take two RMAs this year, one before 4/1 & then again before 12/31. From a tax perspective, does it make any difference if I take both of them before 4/1. For example, instead of two...
by fmhealth
Thu Dec 22, 2016 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: To take a TL if NOT needed this year?
Replies: 6
Views: 870

To take a TL if NOT needed this year?

Once again I turn to my enlightened friends on the board. Here are the details. I have more than enough CO losses to absorb all my gains for '16. Should I take an additional $10,000 LT loss now, in one particular equity or wait for '17 & the possibility this stock recovers? I'm presently residing in...
by fmhealth
Sat Nov 05, 2016 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: T-IRA RMD to Roth?
Replies: 3
Views: 615

Re: T-IRA RMD to Roth?

Thanks DS. Much appreciated.

Be Well,
fmhealth
by fmhealth
Sat Nov 05, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: T-IRA RMD to Roth?
Replies: 3
Views: 615

T-IRA RMD to Roth?

Can I take my RMDs from my T-IRAs & simply move them to my Roth? I have no earned income & realize that this transaction would still be taxable. Thanks for your thoughts.

Be Well,
fmhealth
by fmhealth
Thu Oct 27, 2016 12:49 pm
Forum: Personal Consumer Issues
Topic: A Medicare part D puzzle, finally solved
Replies: 53
Views: 4928

Re: A Medicare part D puzzle, finally solved

Let me weigh in here with some observations that may or may not be actionable. 1- Crestor is now generic so your price will or should decrease by at least 50%. 2- Silver Script, division of CVS, has a plan of about $30.00/mo, no deductible. 3- We find Plan D prices are simply a starting point. Case ...
by fmhealth
Tue Oct 04, 2016 6:29 pm
Forum: Investing - Theory, News & General
Topic: What stocks can I buy when it comes to Marijuana?
Replies: 56
Views: 7905

Re: What stocks can I buy when it comes to Marijuana?

As already mentioned, GWPH is probably your best pure-play in this sector. Some impressive PH-3 studies recently published. Please keep in mind that this stock has traveled from $30.00 to $130.00 so far this year. It's up more than 80% in the past six months alone! So, A LOT of positive expectations...
by fmhealth
Wed Sep 28, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Bogleheads for Diet/Nutrition?
Replies: 66
Views: 5767

Re: Bogleheads for Diet/Nutrition?

Here are 13 words that I live by. "Never eat or drink anything that comes from an animal with four legs".

Be Well,
fmhealth
by fmhealth
Thu Sep 08, 2016 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: $160,000 c/o loss vs a similar gain [Carry-over loss vs. gain]
Replies: 7
Views: 1015

Re: $160,000 c/o loss vs a similar gain [Carry-over loss vs. gain]

According to a Q&A from TurboTax, COLs can be used to completely absorb gains.

https://ttlc.intuit.com/questions/2584944

Be Well,
fmhealth
by fmhealth
Thu Sep 08, 2016 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: $160,000 c/o loss vs a similar gain [Carry-over loss vs. gain]
Replies: 7
Views: 1015

Re: $160,000 c/o loss vs a similar gain

Thanks everyone for your rapier-like responses. I'll try to clarify my initial post. C/O stands for carryover loses. I'm not in any business, I simply sell stock options, primarily puts as a hobby. TLH is tax loss harvesting to offset gains. Usually I'm profitable, but in 2015 I was an unmitigated d...
by fmhealth
Thu Sep 08, 2016 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: $160,000 c/o loss vs a similar gain [Carry-over loss vs. gain]
Replies: 7
Views: 1015

$160,000 c/o loss vs a similar gain [Carry-over loss vs. gain]

Once again I come calling to the contributors of this forum for some some sage insights. Here's my conundrum. I've arrived in 2016 with $160,000 in c/o losses. YTD I've generated approximately the same amount of gains this year. So, will my gains be absorbed by my losses or do I have to implement a ...
by fmhealth
Mon Sep 05, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: Negotiating prescription price with pharmacy?
Replies: 41
Views: 4647

Re: Negotiating prescription price with pharmacy?

Give the manufacturer a call. Occasionally they'll make an exception to their pricing policy. Worth a try.

Be Well,
fmhealth
by fmhealth
Wed Aug 31, 2016 9:29 pm
Forum: Personal Finance (Not Investing)
Topic: IRA--Joint Acct---Tax loss
Replies: 7
Views: 743

Re: IRA--Joint Acct---Tax loss

Thanks go out to everyone for their rapid-fire responses!! Ms Geek, you're correct, JTAT does stand for joint taxable account. You folks are certainly a font of highly useful information. A priceless resource.

Be Well,
fmhealth
by fmhealth
Wed Aug 31, 2016 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: IRA--Joint Acct---Tax loss
Replies: 7
Views: 743

IRA--Joint Acct---Tax loss

I'm approaching my first RMD in early '17. Does this strategy make sense?

I intend to transfer enough losing equity positions from my IRA to my JTAT to cover the RMD. Then sell these stocks to generate a tax loss.

Any actionable responses will be greatly appreciated.

Be Well,
fmhealth
by fmhealth
Tue Aug 16, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Medicare Part D
Replies: 17
Views: 1806

Re: Medicare Part D

Good advise so far. Although I have Silver Script through CVS for $20.00/ month, I get my one RX at Costco, MUCH less expensive. So, please check any plan you land on with Costco pricing. You may be able to save a significant amount. In any event, most importantly, BE WELL!

fmhealth
by fmhealth
Sat Jul 16, 2016 12:27 am
Forum: Personal Finance (Not Investing)
Topic: Due I need medical auto insurance-I have Medicare?
Replies: 9
Views: 1069

Re: Due I need medical auto insurance-I have Medicare?

Thanks to everyone for their rapid replies. This will give me numerous iterations to think through.

Be Well,
fmhealth
by fmhealth
Fri Jul 15, 2016 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Due I need medical auto insurance-I have Medicare?
Replies: 9
Views: 1069

Due I need medical auto insurance-I have Medicare?

Spoke with my State Farm agent today. She thought that since I have Medicare & a secondary health insurer, I should consider dropping my "medical payments" in my auto policy. Also,since I have a 2003 Honda Accord with 124,000 miles, I should probably drop collision coverage as well. So, this would s...
by fmhealth
Sat Jun 11, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs- Is this accurate?
Replies: 9
Views: 1390

Re: RMDs- Is this accurate?

Thanks to everyone for their rapid & incisive replies. Much appreciated!

Be Well,
fmhealth
by fmhealth
Sat Jun 11, 2016 12:42 pm
Forum: Personal Finance (Not Investing)
Topic: RMDs- Is this accurate?
Replies: 9
Views: 1390

RMDs- Is this accurate?

Getting ready to get my strategies crafted as my initial RMDs are now looming in the near future. Just heard on a national radio show today that you don't have to actually sell your IRA positions, you can simply transfer them to your taxable account. Is this correct? I realize that the taxes owed wo...
by fmhealth
Mon May 23, 2016 5:58 pm
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 70
Views: 8122

Re: How to stop MS loading Windows 10?

Came home last night & W-10 was installing on my laptop. Always checked that I DIDN'T want this to take place. In any event, I've used it all day & have encountered absolutely no problems whatsoever. I'm essentially a "techno-idiot" so I usually don't embrace change, but so far so good. Don't see a ...
by fmhealth
Tue May 17, 2016 6:41 pm
Forum: Personal Consumer Issues
Topic: Las Vegas in July
Replies: 34
Views: 3956

Re: Las Vegas in July

Some very good thoughts already posted, I would only add: 1-Spend an hour or so joining all the "players clubs" that virtually all the hotels offer. Free to join & the room discounts can be considerable. Sign-up on the individual hotel websites. Many if not most of these hotels are now owned by thre...
by fmhealth
Thu Apr 21, 2016 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Should I bother with Options Trading?
Replies: 36
Views: 4025

Re: Should I bother with Options Trading?

As long as you sell puts & not buy them you're in a very enviable position. One of the keys is tight, very tight, risk management. This is accomplished by using stops on every position you initiate. You can expect about 30% losing trades as you're stopped-out. This will usually, but not always, keep...
by fmhealth
Thu Nov 19, 2015 10:10 pm
Forum: Investing - Help with Personal Investments
Topic: $100,000 in losses for 2015--My plan
Replies: 11
Views: 2648

Re: $100,000 in losses for 2015--My plan

Thanks everyone for your rapier-like responses. I'm in the 25% bracket but haven't done many Roth conversions. Perhaps I have to rethink these issues. Never too old (yes I'm 70) to learn.

Be Well,
fmhealth
by fmhealth
Thu Nov 19, 2015 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: $100,000 in losses for 2015--My plan
Replies: 11
Views: 2648

$100,000 in losses for 2015--My plan

As the title suggests, I have some serious losses in the mkt. this year. This is what I'm planning. Sell $120,000 in equities that will result in LT gains large enough to absorb these losses. Immediately repurchase these equities, as I'd like to keep them in my portfolio. This will allow be to captu...
by fmhealth
Mon Aug 10, 2015 11:12 am
Forum: Investing - Help with Personal Investments
Topic: RMD clarification please
Replies: 9
Views: 1332

Re: RMD clarification please

Thanks everyone for adding a dose of clarity to this rather complex situation. I am retired, have been since I was 48. 70 certainly arrived quickly!! Does this change the 401K component in any way or do I simply treat it in the same manner as my simple IRAs in regards to RMD's? Thanks again for all ...