Search found 658 matches

by ps56k
Sun Feb 26, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: taxes - Short vs Long on Sched D Part III
Replies: 4
Views: 233

taxes - Short vs Long on Sched D Part III

I was going over Sched D with our son - he had a short term sale for Apple - and a long term sale for Google We walked thru the tinker toys connections - 1040 -line 13 --> Sched D --> Form 8949 But looking back, he asked what was the difference, as it seems on Sched D Part III - that you merely add ...
by ps56k
Fri Feb 24, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Just beginning: $40k to open taxable and IRA accounts
Replies: 20
Views: 1221

Re: Just beginning: $40k to open taxable and IRA accounts

For tax efficient funds, see this spreadsheet : https://docs.google.com/spreadsheets/d/124lTAYiSZrTEJX4m_aWoGImgEYKnKC4YxxwtOx1vOWw/edit?usp=sharing from this thread: https://www.bogleheads.org/forum/viewtopic.php?t=208818 just stumbled across this thread - tnx for the thread and pointing to Part I...
by ps56k
Fri Feb 24, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 83
Views: 7937

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

just stumbled across this thread, from the Part II thread -
tnx for the thread and the time/effort to work with the spreadsheet -
by ps56k
Fri Feb 24, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: saving IRA 5498 statements - which file folder
Replies: 8
Views: 261

Re: saving IRA 5498 statements - which file folder

Some of this comes from having to search thru various records from family and parents - looking for "papers" - Also, had TWO sudden deaths in the extended family, and the same thing.... trying to find all the "papers" - That's why, even though I have everything on Quicken and Tur...
by ps56k
Fri Feb 24, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Just beginning: $40k to open taxable and IRA accounts
Replies: 20
Views: 1221

Re: Just beginning: $40k to open taxable and IRA accounts

nps wrote:... and moving to the simple portfolio at Vanguard for the IRA/taxable portion.

What would be a suggestion - in the taxable account - ??

as someone else also echoed -
This is just my opinion, but I would use the remaining $18k to open a taxable account and invest in a tax efficient fund(s).
by ps56k
Fri Feb 24, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: saving IRA 5498 statements - which file folder
Replies: 8
Views: 261

Re: saving IRA 5498 statements - which file folder

jebmke wrote:I keep mine in an IRA folder and put a link in my tax folder.
I think there is a way to use libraries to have the file appear in multiple places in Windows.

For me - these are REAL file folders in a REAL filing cabinet - old school - even though I have everything in Quicken, and TurboTax -
by ps56k
Fri Feb 24, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: saving IRA 5498 statements - which file folder
Replies: 8
Views: 261

saving IRA 5498 statements - which file folder

I have all my financial info in various file folders.... each tax year gets a folder, with all the TurboTax printed forms (easier to flip thru), 1099s, etc along with all my charity donations, etc I have another set of folders for each of my portfolio statements, transactions, etc... Vanguard, Fidel...
by ps56k
Thu Jan 12, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: real estate building - Trustee liabilities
Replies: 2
Views: 208

real estate building - Trustee liabilities

My wife's family owns a warehouse... actually an empty building used to store and sell cars, and a body shop. Currently, her sister and brother are the Trustees of a Land Trust / Warranty Trust for this property. The question of personal liability has come up - for the Trustee - What are the persona...
by ps56k
Wed Jan 04, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - asset alloc
Replies: 10
Views: 1121

Re: Vanguard Target Date funds - asset alloc

The 40% international .... [Figure 3]... I think you mean [Figure 4] - as [Figure 3] has the 60/40 split - but using Bonds vs International Equity. Will have to go back and read the entire article - but it was from 2012 - and the stats are referencing 2008 - " Since the ten years ended 10/31/2...
by ps56k
Tue Jan 03, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - asset alloc
Replies: 10
Views: 1121

Re: Vanguard Target Date funds - asset alloc

... there's a chance this'll turn into one of those threads where everyone chimes in with recommending between 0%-50%... yeah - let's not - keep focus on the Vanguard Target Date fund, and how/why they split the percentages.. I was just surprised at the International component. Wondering if Vanguar...
by ps56k
Tue Jan 03, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - asset alloc
Replies: 10
Views: 1121

Re: Vanguard Target Date funds - asset alloc

pingo wrote:Is this an employer sponsored plan? Or is it a Vanguard account where you can exchange into any available Vanguard fund?

It's our 26yr old son's Roth IRA -
by ps56k
Tue Jan 03, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - asset alloc
Replies: 10
Views: 1121

Vanguard Target Date funds - asset alloc

I was surprised when I looked at the Vanguard Target Date Fund 2050 - https://personal.vanguard.com/us/funds/snapshot?FundId=0699&FundIntExt=INT#tab=2 and the allocation between domestic vs international - Not sure how I feel about the percentage splits - 1 Vanguard Total Stock Market Index Fund...
by ps56k
Wed Dec 28, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: end of year charity donation - which tax season ?
Replies: 5
Views: 240

Re: end of year charity donation - which tax season ?

Thanks - I also had the IRS 526 Pub for info on donating a vehicle.... which I also did this year - Here is the snipet for any other readers.... --- When To Deduct You can deduct your contributions only in the year you actually make them in cash or other property (or in a later carryover year, as ex...
by ps56k
Wed Dec 28, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: end of year charity donation - which tax season ?
Replies: 5
Views: 240

end of year charity donation - which tax season ?

Just wondering - sitting here on Wednesday Dec 28, 2016 - If I write a check to a charity today, and drop into the mail - which tax year will it be counted as a donation ? - when I write the check - 2016 - when it is received and acknowledged - 2017 - when it is cashed and clears - 2017 Of course, i...
by ps56k
Thu Dec 22, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: grad student --> real job - tax issues ?
Replies: 18
Views: 749

Re: grad student --> real job - tax issues ?

.... {snip} So they'd need to increase their federal withholding or estimated taxes from about 8% of their income to about 14% or more to be sure they withheld enough. Thanks for the detailed walk-thru.... also - have close friends in Flowering Branch and in Cumming... I will share this with him, s...
by ps56k
Thu Dec 22, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: grad student --> real job - tax issues ?
Replies: 18
Views: 749

Re: grad student --> real job - tax issues ?

Not much detail from the OP to pinpoint what to do differently. yeah - we know all the points you mentioned.... I guess I don't know exactly what he heard from the other grad students - and it just seems that they don't really know what they are talking about, regarding taxes, as it is pretty commo...
by ps56k
Thu Dec 22, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: grad student --> real job - tax issues ?
Replies: 18
Views: 749

Re: grad student --> real job - tax issues ?

livesoft wrote:I will also say that I've never had a post-doc job that paid $100K. More like $12K. So $100K would have been very nice.

Guess I should clarify - after a post-doc and PhD, or just after PhD.... depending upon how many more years he wants to play this game -
by ps56k
Thu Dec 22, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: grad student --> real job - tax issues ?
Replies: 18
Views: 749

Re: grad student --> real job - tax issues ?

What is his medical coverage like? Is he under a subsidized medical plan on the public exchanges? Please explain what you are getting at ? He is considered a (grad) student, and gets his health coverage directly from the school - He is 26, and just recently did the required swap from our family cov...
by ps56k
Thu Dec 22, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: grad student --> real job - tax issues ?
Replies: 18
Views: 749

grad student --> real job - tax issues ?

Was talking with our son, who is a grad student with a stipend... $30k/yr - He was saying that some folks have some tax issues when they get their post-doc jobs at like $100k, and have a penalty somehow - going from their $30k to their newly found $100k I said that as long as you cover what you expe...
by ps56k
Tue Dec 06, 2016 7:31 am
Forum: Investing - Theory, News & General
Topic: High Grade Munis -
Replies: 3
Views: 676

High Grade Munis -

Saw an article mentioning.... High Grade Munis.. (not high yield)

Is there such an animal in the Vanguard stable ?
Just curious to see what kind of portfolio that might have,
along with the usual stats compared to other general Munis.
by ps56k
Thu Nov 10, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: EE Bonds - stay with paper, or convert to digital
Replies: 4
Views: 696

EE Bonds - stay with paper, or convert to digital

I have a stack of EE bonds (paper $25) from our 26yr old son.... for various birthdays from relatives. I also had a stack of my own, which have all matured and been cashed in. I keep track of the inventory with the Treasury Dept - Savings Bond Wizard PC program - http://www.savingsbondwizard.gov/ I ...
by ps56k
Mon Nov 07, 2016 8:03 pm
Forum: Investing - Theory, News & General
Topic: Gold - new info-ads about upcoming "legal changes"
Replies: 4
Views: 704

Re: Gold - new info-ads about upcoming "legal changes"

I Googled "upcoming legal changes gold" and apparently there may be a change in Sharia law that will make it easier for devout Muslims to invest in gold. Here is an article from The Street about it: https://www.thestreet.com/story/13622922/1/how-a-change-in-islam-s-sharia-law-could-increa...
by ps56k
Mon Nov 07, 2016 6:15 pm
Forum: Investing - Theory, News & General
Topic: Gold - new info-ads about upcoming "legal changes"
Replies: 4
Views: 704

Gold - new info-ads about upcoming "legal changes"

I've seen some targeted and sponsored ads pop up on some news feeds about something regarding an upcoming change in 2017 relating to gold... I read the intro article, but of course they never really say what the upcoming "change" will be, but suggest you go to their website and buy gold no...
by ps56k
Sat Oct 22, 2016 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Staying The Course in HNW Mode? How much cash? [High Net Worth]
Replies: 29
Views: 4292

Re: Staying The Course in HNW Mode? How much cash? [High Net Worth]

Your $4.5M portfolio will now generate $135,000 annually if you use a conservative 3% SWR. Or, if you really want to be conservative because of your age, $112,500 per year. never mind - thought you meant the $4.5mil was "generating" the $135,000, as with interest or dividends, vs just hav...
by ps56k
Tue Aug 16, 2016 1:57 pm
Forum: Investing - Theory, News & General
Topic: Budgeting - 50-20-30 suggested rules for young adults
Replies: 7
Views: 698

Budgeting - 50-20-30 suggested rules for young adults

Just happen to stumble across this article - http://www.doughroller.net/budgeting/is-the-50-20-30-budget-a-good-rule-of-thumb/ Was wondering, if maybe a sliding scale vs fixed percentages might be a better formula ? Like with our son, a grad student out in California - I've been trying to figure out...
by ps56k
Wed Jul 20, 2016 9:59 am
Forum: Investing - Theory, News & General
Topic: limiting Cap Gains - with ETFs ?
Replies: 17
Views: 1419

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: 1126

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: 1126

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: 3084

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: 539

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: 539

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: 1419

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: 1419

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: 776

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: 776

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: 1419

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: 776

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: 776

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: 2147

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: 2147

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: 2147

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: 1419

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: 2147

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: 1419

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: 3145

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: 9044

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: 9044

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: 1762

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: 1764

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 -

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