Search found 632 matches

by ps56k
Wed Jul 20, 2016 9:59 am
Forum: Investing - Theory, News & General
Topic: limiting Cap Gains - with ETFs ?
Replies: 17
Views: 1270

Re: limiting Cap Gains - with ETFs ?

I've gone back - and using the Morningstar TAX tab to get the Tax Cost Ratio, and adding the columns for "returns" to see how things are affected... Interesting that the Vanguard LT Corp Bond fund Tax ratio is high, along with the Trowe Health Sciences fund - Current portfolio Effective Ta...
by ps56k
Tue Jul 12, 2016 12:52 pm
Forum: Investing - Theory, News & General
Topic: Robo Advisors - 2016 comments
Replies: 5
Views: 949

Re: Robo Advisors - 2016 comments

dspencer wrote:I have used Betterment for a little over a year. My experience has been positive. Overall...
Wonder why or what made you choose them - vs the others in the same field of play ?
by ps56k
Tue Jul 12, 2016 10:23 am
Forum: Investing - Theory, News & General
Topic: Robo Advisors - 2016 comments
Replies: 5
Views: 949

Robo Advisors - 2016 comments

A friend sent me this email - I was surprised that he would even consider a Robo Advisor - I had not seen much chatter on the Robo Advisors since they first came out. -- It would be unlikely that you would engage one of these services, but they are starting to took better and better to me. This is w...
by ps56k
Fri Jul 01, 2016 2:58 pm
Forum: Investing - Theory, News & General
Topic: teacher 403b - last couple of years
Replies: 22
Views: 2917

Re: teacher 403b - last couple of years

Wife has a 403b from being a teacher.... with Fidelity - invested in the Puritan Fund. She just retired - so no more contribution activity with the 403b. She also has a Traditional IRA - also with Fidelity - invested in a couple different funds. Some of the tax year contributions were deductible and...
by ps56k
Fri Jul 01, 2016 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: 403b account - moving to IRA - how, why, what
Replies: 9
Views: 468

Re: 403b account - moving to IRA - how, why, what

If she is outside of that age range, then she can transfer her 403b to her IRA. This would not be a taxable event, Fidelity would help you with the paper work. She is 62 - and we don't need access to the money, just sitting there is fine - and in dealing with the local Fidelity office, they don't s...
by ps56k
Fri Jul 01, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: 403b account - moving to IRA - how, why, what
Replies: 9
Views: 468

403b account - moving to IRA - how, why, what

Wife has a 403b from being a teacher.... with Fidelity - invested in the Puritan Fund. She just retired - so no more contribution activity with the 403b. She also has a Traditional IRA - also with Fidelity - invested in a couple different funds. Some of the tax year contributions were deductible and...
by ps56k
Tue Jun 28, 2016 3:41 pm
Forum: Investing - Theory, News & General
Topic: limiting Cap Gains - with ETFs ?
Replies: 17
Views: 1270

Re: limiting Cap Gains - with ETFs ?

Thanks for the comments - it's interesting that they are all close - Windsor vs Large Value vs SP - up until about a year ago - along with our Vanguard Total Stock Index - VTSAX - http://quotes.morningstar.com/chart/fund/chart?t=VWNDX&region=usa&culture=en-US Will be thinking about selling o...
by ps56k
Mon Jun 27, 2016 4:54 pm
Forum: Investing - Theory, News & General
Topic: limiting Cap Gains - with ETFs ?
Replies: 17
Views: 1270

Re: limiting Cap Gains - with ETFs ?

fixed up the table of my portfolio data posted above - I guess the points are - look at the couple of funds generating large Cap Gains & choose a path - - Wellesley $1,322 - Windsor $15,234 - TRP Health Sciences $10,419 - TRP Media $1,855 - TRP Small Horizons $6,300 total of mutual fund Cap Gain...
by ps56k
Mon Jun 27, 2016 4:40 pm
Forum: Forum Issues and Administration
Topic: How do you post a column aligned table of data ?
Replies: 10
Views: 430

Re: How do you post a column aligned table of data ?

What I do is type everything in another editor using a monospace font, then copy and paste into the browser. There are probably easier ways.. But when you paste it into the browser window, doesn't it now become the "browser text" which is proportional - I'll try - now is the time - Notepa...
by ps56k
Mon Jun 27, 2016 12:08 pm
Forum: Forum Issues and Administration
Topic: How do you post a column aligned table of data ?
Replies: 10
Views: 430

Re: How do you post a column aligned table of data ?

When I am typing - I'm guessing the screen area I'm typing into is actually using a proportional font, as everything is aligned - Then using the CODE and the Preview - it is NOT aligned - since the mono-spaced chars are now different compared to the proportional spacing. this is totally aligned whil...
by ps56k
Mon Jun 27, 2016 11:46 am
Forum: Investing - Theory, News & General
Topic: limiting Cap Gains - with ETFs ?
Replies: 17
Views: 1270

Re: limiting Cap Gains - with ETFs ?

ok - basically here is my mutual fund portfolio - Vanguard + TRowe - My intend was to change the DIVS from re-invest to cash at some point, but had not thought about the large amount of Cap Gains also being generated. Current portfolio Effective Tax Rate - was 8% pushed into 12% Tax bracket - was 25...
by ps56k
Mon Jun 27, 2016 11:37 am
Forum: Forum Issues and Administration
Topic: How do you post a column aligned table of data ?
Replies: 10
Views: 430

Re: How do you post a column aligned table of data ?

tnx - I'll try that... this is a test - using Firefox - but the text on my typing screen is aligned, but the forum Preview it is not - I must have a proportional font within the browser... which means, I have to go back and forth between my "browser" image and the resulting "Preview&q...
by ps56k
Mon Jun 27, 2016 11:21 am
Forum: Forum Issues and Administration
Topic: How do you post a column aligned table of data ?
Replies: 10
Views: 430

How do you post a column aligned table of data ?

For some other threads,
how do you post a column aligned table of data ?

ie -
1 2 3 4
11 22 33 44
111 222 333 444
by ps56k
Fri Jun 24, 2016 1:45 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Tot Bond vs LT Corp vs Wellesley vs CD
Replies: 21
Views: 1875

Re: Bonds - Tot Bond vs LT Corp vs Wellesley vs CD

ok - I've laid out my basic portfolio (see above posting) and my original thinking...
by ps56k
Thu Jun 23, 2016 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Tot Bond vs LT Corp vs Wellesley vs CD
Replies: 21
Views: 1875

Re: Bonds - Tot Bond vs LT Corp vs Wellesley vs CD

ok - here's the basic layout of my existing portfolio - started from years ago - My thinking was to have things avail in my Vanguard account to change from RE-invest - to just cash for later income... (forgot about ongoing Cap Gains and taxes) Also, for the IRA - was thinking about Growth - again fo...
by ps56k
Thu Jun 23, 2016 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Tot Bond vs LT Corp vs Wellesley vs CD
Replies: 21
Views: 1875

Re: Bonds - Tot Bond vs LT Corp vs Wellesley vs CD

livesoft wrote:Taxable account or tax-advantaged account? You are lamenting taxes in your other thread, so even this decision should be tax aware.

Yeah - at this point, I seem to have all my very early years & their decisions - backwards -
Not sure how to correct the very large portfolio at this point....
by ps56k
Thu Jun 23, 2016 4:11 pm
Forum: Investing - Theory, News & General
Topic: limiting Cap Gains - with ETFs ?
Replies: 17
Views: 1270

Re: limiting Cap Gains - with ETFs ?

Take a look at your holdings in your taxable account and see if your holdings are tax efficient. If you're have tax inefficient holdings, consider moving them into tax advantaged accounts. Examples of tax inefficient funds are Vanguard Wellesley, Wellington, PRIMECAP, LifeStrategy funds, Target Ret...
by ps56k
Thu Jun 23, 2016 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds - Tot Bond vs LT Corp vs Wellesley vs CD
Replies: 21
Views: 1875

Bonds - Tot Bond vs LT Corp vs Wellesley vs CD

I have one of my laddered Ally Bank 2yr "raise your rate" CDs maturing today - $25k - Not sure what to do with the balance - just roll it over or move to one of our Vanguard existing bond funds - All of these fixed income accounts are merely for downside protection, vs income, along with k...
by ps56k
Thu Jun 23, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: limiting Cap Gains - with ETFs ?
Replies: 17
Views: 1270

limiting Cap Gains - with ETFs ?

I have a situation... I have my Schwab account for holding my stock picks - Apple, Starbucks, Cisco, etc I have my mutual funds in Vanguard, TRowe, and Fidelity. At this point, near retirement, I have a problem with Divs and Cap Gains pushing my AGI higher. In the last couple of years, I have genera...
by ps56k
Mon Jun 20, 2016 5:55 pm
Forum: Investing - Theory, News & General
Topic: Bonds - VBMFX vs VWINX vs VWESX
Replies: 14
Views: 2830

Re: Bonds - VBMFX vs VWINX vs VWESX vs CD

I have one of my laddered Ally Bank 2yr "raise your rate" CDs maturing today - $25k - Not sure what to do with the balance - just roll or move to one of our Vanguard existing bond funds - As I've mentioned - all of these fixed income accounts are merely for downside protection, vs income, ...
by ps56k
Fri May 13, 2016 11:43 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan Funds - name changes
Replies: 55
Views: 6945

Re: Fidelity Spartan Funds - name changes

Interesting points on the name change - and making it more difficult to find these "Spartan" funds with lower fees - It took me a few minutes to realize where our Fidelity "Spartan" funds were allocated - since we have none directly. In our Fidelity IRA, we have their Four In One...
by ps56k
Fri May 13, 2016 10:27 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan Funds - name changes
Replies: 55
Views: 6945

Fidelity Spartan Funds - name changes

FYI - just received this notice - -- Spartan® Index Funds are getting a new name Because you're a shareholder in one or more Spartan® Index Funds as of March 1, 2016, we want to let you know about a couple of changes that have been approved by the funds' Board of Trustees. You don't need to take any...
by ps56k
Sat Apr 30, 2016 5:26 pm
Forum: Investing - Theory, News & General
Topic: Whom do you purchase a SPIA from?
Replies: 10
Views: 1646

Re: Whom do you purchase a SPIA from?

just stumbled across this thread on SPIA - and my basic question is .... why ? What situations or scenarios would suggest I look into a SPIA ? wife will have teacher pension, I will have SSA, and we have our Fidelity IRAs and Vanguard index mutual fund accounts, along with lots of stocks at Schwab -
by ps56k
Fri Apr 15, 2016 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to draw down accts in retirement
Replies: 9
Views: 1547

Re: How to draw down accts in retirement

Winthorpe wrote:There is a new book just released on exactly this topic.
It's "How to make your money last" by Jane Bryant Quinn..

FYI - http://www.amazon.com/gp/product/B00P434BTE/

Thanks - I'll take a look -
by ps56k
Fri Apr 15, 2016 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: How to draw down accts in retirement
Replies: 9
Views: 1547

Re: How to draw down accts in retirement

I guess my Q&A is more related to what types of assets to sell - and the when and why - behind that decision. It's not just the simple bonds vs stocks - but I think more complicated and granular. For example - some stocks, like Apple, have grown and appreciated and therefore will incur huge cap ...
by ps56k
Thu Apr 14, 2016 10:37 pm
Forum: Investing - Help with Personal Investments
Topic: How to draw down accts in retirement
Replies: 9
Views: 1547

Re: How to draw down accts in retirement

tnx for the local Wiki links -
I'll PDF print off the Wiki articles, and add them to my tablet reading..
by ps56k
Thu Apr 14, 2016 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: How to draw down accts in retirement
Replies: 9
Views: 1547

How to draw down accts in retirement

Was wondering what the suggested method to draw down on a portfolio when entering retirement. Wife is teacher - retiring soon - has full pension, a small 403b, and a small TIRA. I will be retiring soon - only have Social Security and TIRA. Portfolio - accumulated over the years - a sizable taxable a...
by ps56k
Fri Apr 01, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Ally CD ladder vs MM vs Vang VBMFX
Replies: 5
Views: 1631

Re: Ally CD ladder vs MM vs Vang VBMFX

As I mentioned... this money is newly acquired from a payout from a parents trust, and don't really need it for anything - so just want to protect from my equity stock investment keyboard typing hands. Therefore, any return above zero would be the perfect buffer or insurance from the equity side of ...
by ps56k
Fri Apr 01, 2016 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal income inequality, pay off mortgage or invest?
Replies: 44
Views: 5706

Re: Spousal income inequality, pay off mortgage or invest?

I happen to notice my wife's sister has a large overhanging mortgage. She and her husband remodeled their home about 7 years ago to add an entire 2nd story to their ranch style home, and had a $370k construction mortgage several years ago. Then - he was killed in a car accident a couple of years ago...
by ps56k
Thu Mar 17, 2016 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA basis
Replies: 18
Views: 1320

Re: Roth IRA basis

I've never taken a distribution, but I've used TurboTax every year to do my taxes. Every year it asks me if I contributed to a Roth IRA, and updates my Roth basis. Otherwise, I'd have no idea what my Roth basis is either. Just sayin'. I just looked at my TT - and yes, the Basis info is calculated f...
by ps56k
Thu Mar 17, 2016 4:51 pm
Forum: Investing - Help with Personal Investments
Topic: bond funds
Replies: 16
Views: 1716

Re: bond funds

I'm sure someone more knowledgeable will come along, but in the meantime I found this thread: https://www.bogleheads.org/forum/viewtopic.php?t=121062 In general the Spartan line is Fidelity's lineup of lower cost Index funds and as such follow a more passively managed set of guidelines to match a s...
by ps56k
Thu Mar 17, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Ally CD ladder vs MM vs Vang VBMFX
Replies: 5
Views: 1631

Re: Ally CD ladder vs MM vs Vang VBMFX

The money is just extra cash that is not needed for any specific purpose or emergency - it's being distributed from parent's Trust. SO - I have all my Schwab stock funds, all my Vanguard, TRowe, & Fidelity mutual funds, and all my Vanguard bond funds - along with a few CD's maturing at ALLY. BTW...
by ps56k
Thu Mar 17, 2016 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA basis
Replies: 18
Views: 1320

Re: Roth IRA basis

That comment was in error. You file an 8606 for Roth distributions, not for Roth contributions. You have not missed anything. ok - I guess I'll have to go read up on this... SO - when our son finally takes out any funds from his Roth IRA - he has to file a Form 8606 for that tax year ? What entries...
by ps56k
Thu Mar 17, 2016 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: bond funds
Replies: 16
Views: 1716

Re: bond funds

I suggest that you just use Fidelity Spartan U.S. Bond Index Fund. It's the most broadly diversified of the Spartan bond index funds, has a low expense ratio, it's intermediate-term with AA average credit quality. FBDIX @ Morningstar . Is there anything special about the Fidelity "Spartan"...
by ps56k
Thu Mar 17, 2016 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA basis
Replies: 18
Views: 1320

Re: Roth IRA basis

The form 8606 that you file with the IRS each year has your Roth IRA basis on line 22. just wondering if I missed something... I created a Roth IRA for our son back in 2014, and usually use TurboTax for creating the tax returns. I don't see a Form 8606 - for him and his Roth IRA - since he already ...
by ps56k
Fri Mar 11, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: Bond Funds - comparing YTD vs Yield
Replies: 3
Views: 538

Bond Funds - comparing YTD vs Yield

Just comparing some bond funds - and was wondering how you might interpret the listed YTD Return vs the listed Yield ---------------------------- YTD ----- Yield --- SCHZ Schwab Bond ...... 2.6% - 2.0% SCHR Schwab TR ........ 3.0% - 1.5% VBMFX Vanguard Bond ... 2.1% - 2.3% FTBFX Fidelity Bond ..... ...
by ps56k
Tue Mar 08, 2016 4:39 pm
Forum: Investing - Help with Personal Investments
Topic: Ally CD ladder vs MM vs Vang VBMFX
Replies: 5
Views: 1631

Ally CD ladder vs MM vs Vang VBMFX

I currently have my "hands off" money distributed between my ALLY CD ladder, MM account, along with Vanguard VBMFX. There is a lot of safety cash sitting in these accounts - the CD ladder has $25k each in 6/June, 9/Sept yearly renewal dates, (1.25%) and the Ally MM has another $100k (0.85%...
by ps56k
Wed Mar 02, 2016 7:01 pm
Forum: Investing - Theory, News & General
Topic: Where Are the Customer Yachts ? - two books ?
Replies: 13
Views: 1659

Re: Where Are the Customer Yachts ? - two books ?

ahhh.... now I see why I was looking at getting the 2nd later version - it is offered in the Kindle format, and the original, being older, is not avail in any eBook format.... I have purchased very few real print paper books lately, and I guess I will have to get the older version in paper for my so...
by ps56k
Wed Mar 02, 2016 12:54 pm
Forum: Investing - Theory, News & General
Topic: Where Are the Customer Yachts ? - two books ?
Replies: 13
Views: 1659

Where Are the Customer Yachts ? - two books ?

What's the difference between these two versions of the classic book ? Which one should I get to send to my son ? http://www.amazon.com/Where-Are-Customers-Yachts-Street/dp/0471770892 http://ecx.images-amazon.com/images/I/51ZlYpRnp2L._AA160_.jpg vs http://www.amazon.com/Fred-Schweds-Where-Customers-...
by ps56k
Thu Feb 25, 2016 11:12 pm
Forum: Personal Finance (Not Investing)
Topic: Grad student W2 - no SS and no Medicare
Replies: 7
Views: 704

Re: Grad student W2 - no SS and no Medicare

hyla wrote:Agree, and also a really great time to take advantage of the saver's credit....

I'll have to do a search on this Savers Credit - currently using Turbotax, and it flags all the req boxes for the various credits/deductions for edu..
by ps56k
Thu Feb 25, 2016 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Grad student W2 - no SS and no Medicare
Replies: 7
Views: 704

Grad student W2 - no SS and no Medicare

Our son is a Grad Student - and receives a salary/stipend for his research work. I just noticed on his W2 - that there is the normal Wages + Fed/State taxes, but there is no SS and no Medicare. I can possibly understand the lack of SS withholding - as our wife, a teacher, also has no SS, and instead...
by ps56k
Fri Nov 13, 2015 7:25 pm
Forum: Personal Consumer Issues
Topic: Donating a car - 2001 Jeep + 2004 Impala
Replies: 5
Views: 709

Donating a car - 2001 Jeep + 2004 Impala

We have a couple of cars leftover from our son's days in school.... UW/Madison - Now he's out in California with a 2007 Mazda 3 hatchback. Have a 2004 Chevy Impala LS - leather, 6cyl, - but it's had several GM failure issues - and now has a windshielf/roof line water leak. Have a 2001 Jeep Grand Che...
by ps56k
Fri Nov 13, 2015 7:18 pm
Forum: Personal Consumer Issues
Topic: Concrete Driveway Sealers
Replies: 14
Views: 1875

Re: Concrete Driveway Sealers

To answer your question: acrylics can be slippery as they form a film on top. I've decided to go with the very best which is a deep penetrating siloxane type. Mfg says it is good for 7 to 10 years; guess I'm the lazy type and don't ever plan on doing it again (Doc says I only have 10 years to live)...
by ps56k
Mon Sep 14, 2015 4:52 pm
Forum: Investing - Theory, News & General
Topic: What is the benefit of a CD ladder today?
Replies: 21
Views: 3403

Re: What is the benefit of a CD ladder today?

Was just reviewing my CD bonds over at Ally Bank - and the concept of keeping my fingers off the cash... http://www.ally.com/bank/cd-ladder/#local=step-by-step OR - I could just keep adding into my Vanguard Total Bond Fund or my Vanguard Wellesley Income Fund.. Basically - just some way to keep my f...
by ps56k
Mon Sep 14, 2015 4:13 pm
Forum: Investing - Theory, News & General
Topic: The 3 Bucket Portfolio - for retirement
Replies: 24
Views: 2451

The 3 Bucket Portfolio - for retirement

Happen to see this article - another interesting approach to balancing retirement portfolios... An Aggressive Retirement Portfolio in 3 Buckets - - Bucket 1: years 1 -2 - Cash - Bucket 2: years 3 - 10 - Bonds, with a sprinkle of equity and TIPs - Bucket 3: years 11+ : Equity http://news.morningstar....
by ps56k
Mon Aug 31, 2015 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Bene + SSN
Replies: 0
Views: 173

Life Insurance Bene + SSN

This is a Q concerning setting up Life Insurance Bene vs a Will vs a Trust - Wife's sister (50) lost her husband in a car crash last year, and is having a struggle trying to decide how to handle her own finances with respect to her Life Insurance and other financial accounts. She wants to divide her...
by ps56k
Thu Aug 20, 2015 4:48 pm
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 439
Views: 70156

Re: Schwab Intelligent Portfolios [now live]

It will be interesting to see how SIP responds to the past couple of down markets - like today's drop of 350 -
May not show now - but maybe a chart in a week or so -
by ps56k
Tue Jul 14, 2015 3:52 pm
Forum: Investing - Theory, News & General
Topic: International bonds - VTIBX - bubble, short, stay
Replies: 28
Views: 3011

Re: International bonds - VTIBX - bubble, short, stay

I went back to my posting - and added the country percentages for -
- Vanguard International Bond
- Dodge & Cox Global Bond
- Pimco Global Bond
by ps56k
Tue Jul 14, 2015 3:40 pm
Forum: Investing - Theory, News & General
Topic: International bonds - VTIBX - bubble, short, stay
Replies: 28
Views: 3011

Re: International bonds - VTIBX - bubble, short, stay

I wonder why so much toward Japan ? Vanguard International Bond fund - Country diversification - just a couple top slices... Japan 22.6% France 11.6% Germany 9.7% Italy 8.4% United Kingdom 8.4% Here is the Dodge & Cox Global Bond Fund - totally different alloc - including adding 48% USA - to an ...
by ps56k
Tue Jul 14, 2015 3:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - Four Fund Portfolio
Replies: 127
Views: 19267

Re: Vanguard - Four Fund Portfolio

as per the orig posting - the 4 funds - * Total Stock Market (U.S.) Index * Total International Stock Market Index * Total Bond (U.S.) Market Index * Total International Bond Market Index The toss-up question in 3 pages of this thread is the - Intl Bond Index - is it worth it ? VTIBX - I put some mo...

Go to advanced search