Search found 2142 matches

by rec7
Fri Oct 20, 2017 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 IRS tax information
Replies: 22
Views: 2231

Re: 2018 IRS tax information

Won't the new tax law they are working on make this out of date?
by rec7
Fri Oct 13, 2017 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: wellington fund ( VWELX )
Replies: 24
Views: 2493

Re: wellington fund ( VWELX )

Can both of you guys stay in the 15% tax braket?
by rec7
Fri Oct 13, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: wellington fund ( VWELX )
Replies: 24
Views: 2493

Re: wellington fund ( VWELX )

It is a great fund but watch the tax bill with it. For some folks it works great.
by rec7
Fri Oct 13, 2017 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Help me understand what happens with the new law and ACA subsidies
Replies: 80
Views: 5585

Help me understand what happens with the new law and ACA subsidies

Help me understand what happen with the new law and ACA subsidies. My income is under 44k will I be affected?
by rec7
Mon Oct 09, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: What do you do with your empty inkjet cartridges?
Replies: 22
Views: 1498

Re: What do you do with your empty inkjet cartridges?

I used to refill them with the kits available online but a few messy mishaps ended that. Now it's buy new and old ones in the trash. I found that a hit and a miss but it is very cheap. I finally gave up and went to a laser. I also did not know with an inkjet you should printer every couple of weeks.
by rec7
Fri Oct 06, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Anyone go 100% Ally or another online bank for all banking needs?
Replies: 61
Views: 4963

Re: Anyone go 100% Ally or another online bank for all banking needs?

I don't mean to continue flogging a dead horse, but why is this even an issue, other than bragging rights to be able to say; "I am 100% online. Will somebody please tell me this massive benefit from not having access to B&M banking services. I hardly go to an ATM anymore, let alone go into my CU br...
by rec7
Wed Oct 04, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: I need to buy some blouses for my mother that are inexpensive and are not low cut in the front and have short sleeves
Replies: 4
Views: 542

I need to buy some blouses for my mother that are inexpensive and are not low cut in the front and have short sleeves

What stores would have these. She likes the ones that are no lower than two or three fingers width down from the neck. Ladies can you help me?
by rec7
Wed Oct 04, 2017 7:52 am
Forum: Personal Finance (Not Investing)
Topic: Cash in a local bank or credit union
Replies: 54
Views: 3308

Re: Cash in a local bank or credit union

I have a few hundred in the credit union. It is only about six blocks from the house so I like that. It is almost like having money in the house.
by rec7
Sat Sep 30, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: I bought a car without thinking too much about value
Replies: 45
Views: 3985

Re: I bought a car without thinking too much about value

At your income it it fine. Just try to keep it 10 years that is the key.
by rec7
Fri Sep 29, 2017 12:10 pm
Forum: Personal Consumer Issues
Topic: Using full name for email - bad or good idea?
Replies: 37
Views: 18340

Re: Using full name for email - bad or good idea?

I have been doing it for many years. Other than some store receipts and a few people sending me things for a meeting to the real John Doe no problems. I have a common name.
by rec7
Fri Sep 29, 2017 9:25 am
Forum: Personal Finance (Not Investing)
Topic: How much liquid Cash to Keep in Savings
Replies: 35
Views: 4674

Re: How much liquid Cash to Keep in Savings

We have 5% it feels like a good number. What do you guys think?
by rec7
Thu Sep 28, 2017 10:02 pm
Forum: Investing - Help with Personal Investments
Topic: Can I Safely Retire?
Replies: 60
Views: 8007

Re: Can I Safely Retire?

Maybe in the Midwest or a low cost foreign country.
by rec7
Wed Sep 20, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5044

Re: Uplifted Driveway = No Home Owners Policy ?!

F150HD wrote:
Wed Sep 20, 2017 5:38 pm
picture?
+1
by rec7
Wed Sep 20, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the latest Bob Brinker portfolio is?
Replies: 5
Views: 920

Re: Does anyone know what the latest Bob Brinker portfolio is?

I was thinking along that line at 3% on around a one year term.
by rec7
Wed Sep 20, 2017 2:14 pm
Forum: Personal Consumer Issues
Topic: Uplifted Driveway = No Home Owners Policy ?!
Replies: 82
Views: 5044

Re: Uplifted Driveway = No Home Owners Policy ?!

How much is it lifted?
by rec7
Tue Sep 19, 2017 8:41 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 8998

Re: Bogleheads you would most like to meet and why?

I would love to go to the local coffee shop with these guys. You would learn a lot and it would be fun. What a group.
Munchkin Man
Toons
Nisiprius
Taylor Larimore
by rec7
Tue Sep 19, 2017 8:27 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone know what the latest Bob Brinker portfolio is?
Replies: 5
Views: 920

Does anyone know what the latest Bob Brinker portfolio is?

Sunday he was talking about a bond fund that paid about 3% with a duration of around 1 year. I would like to know what his latest portfolio is.
by rec7
Mon Sep 18, 2017 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Worth buying an excessive priced house?
Replies: 43
Views: 3997

Re: Worth buying an excessive house?

I would not do it stay put and save. Then one day you can pay cash for that puppy.
by rec7
Fri Sep 15, 2017 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: The 10 year car ownership "rule"
Replies: 95
Views: 10685

Re: The 10 year car ownership "rule"

I think 10 years is a good for most people. Some can even get more life. Some people are getting a new car every few years. I think the 10 year rule is aimed at them.
by rec7
Fri Sep 15, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 9023

Re: Retirees-anyone miscalculate how much was needed?

We did not foresee paying $900/month for medical insurance in retirement. That’s why I continue to work part-time until DH is eligible for Medicare. And may continue until DH's FRA. Other than that notable exception, our expenses are what we expected. No obamacare? Medicare? That IS Obamacare. My G...
by rec7
Thu Sep 14, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 9023

Re: Retirees-anyone miscalculate how much was needed?

We did not foresee paying $900/month for medical insurance in retirement. That’s why I continue to work part-time until DH is eligible for Medicare. And may continue until DH's FRA. Other than that notable exception, our expenses are what we expected. No obamacare? Medicare? That IS Obamacare. My G...
by rec7
Thu Sep 14, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Retirees-anyone miscalculate how much was needed?
Replies: 71
Views: 9023

Re: Retirees-anyone miscalculate how much was needed?

retire57 wrote:
Thu Sep 14, 2017 11:43 am
We did not foresee paying $900/month for medical insurance in retirement. That’s why I continue to work part-time until DH is eligible for Medicare. And may continue until DH's FRA.

Other than that notable exception, our expenses are what we expected.
No obamacare? Medicare?
by rec7
Thu Sep 14, 2017 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance Question
Replies: 37
Views: 2858

Re: Auto Insurance Question

Your auto insurance can double just by moving to a different area of your city sometimes. My friend saw a 50% increase by moving within the same city.
by rec7
Sun Sep 10, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 110
Views: 9541

Re: Non-fiction bucket list

The Holy Bible (I read it everyday) Investor's Manifesto The Millionaire in You The Wall Street Journal Guide to Planning Your Financial Future The Wealthy Barber Stop Acting Rich: ...And Start Living Like A Real Millionaire by thomas stanley The Millionaire Next Door Consumer Reports Money Book Ric...
by rec7
Fri Sep 08, 2017 7:14 pm
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8708

Re: When calculating net worth, how do you value your house?

No I might save money living in my house but I can not use the money in the house. The only way I could use it is to downsize since I don't like to rent.
by rec7
Sun Sep 03, 2017 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: How old were you when you got your first credit card?
Replies: 46
Views: 2014

Re: How old were you when you got your first credit card?

22 third year of college That was when credit cards were handed out like candy in college. I remember a roommate telling me he felt like a doctor or lawyer because he had a credit card. Sounds funny now.
by rec7
Sun Sep 03, 2017 11:10 am
Forum: Investing - Theory, News & General
Topic: Ally savings rate raised to 1.20%
Replies: 41
Views: 5467

Re: Ally savings rate raised to 1.20%

Grt2bOutdoors wrote:
Fri Sep 01, 2017 6:25 pm
willthrill81 wrote:
Fri Sep 01, 2017 4:29 pm
Wow. An extra $50 a year for every $100,000 saved. What a deal.
Man, I miss my ole 5.25% passbook savings account. :(
I remember getting 6% in a checking account.LOL
by rec7
Sat Sep 02, 2017 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Have Zero Credit Cards?
Replies: 129
Views: 6180

Re: Bad Idea to Have Zero Credit Cards?

I am not usually a grammar nazi but I make an exception for some posters. Worrying about grammar and spelling on a web forum is a sure road madness. I'm happy when people don't mix up "then" and "than". How about site and sight? That always causes a sharp pain in my heart region :-) How about advic...
by rec7
Sat Sep 02, 2017 12:37 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft? Was The Woodlands Flooded
Replies: 36
Views: 6102

Re: Where is Livesoft? Was The Woodlands Flooded

Some flooding in The Woodlands, but about the same as in 1994, 2015, 2016, or maybe a little more. Total accumulated rainfall around here was about 27 inches which is less than the 30-35 inches that Houston got. You may have seen higher numbers reported, but the news media picked the highest single...
by rec7
Sat Sep 02, 2017 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1913

Re: Need tax advice selling wellington

If I sell out all at once next year. I can save enough on obamacare to have the money back in 2.5 years. It might be worth it.
by rec7
Sat Sep 02, 2017 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1913

Re: Need tax advice selling wellington

Yes I am doing it to be more tax-efficient.
by rec7
Sat Sep 02, 2017 12:17 am
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1913

Re: Need tax advice selling wellington

I have started not to reinvest anything from wellington. That money can be used for index funds. Last year I had about 7k I could have used in the 15% bracket. But that amount changes each year. I can also wait for a correction to make my move. This can get a little tricky at times. Good idea to ke...
by rec7
Fri Sep 01, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1913

Re: Need tax advice selling wellington

I have started not to reinvest anything from wellington. That money can be used for index funds. Last year I had about 7k I could have used in the 15% bracket. But that amount changes each year. I can also wait for a correction to make my move. This can get a little tricky at times. Good idea to kee...
by rec7
Fri Sep 01, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1913

Re: Need tax advice selling wellington

If I understand you correctly, you are generating $35K a year in distribution income (dividends/cap gains distributions) on your wellington fund? If that is the case, then I guess I better understand why you want to go to something more tax efficient. Sorry I didn't really get what you were trying ...
by rec7
Fri Sep 01, 2017 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1913

Re: Need tax advice selling wellington

It is very hard for me to stay in the 15% bracket. Sometimes I might have 7k of room in that bracket. If you can't stay in the 15% bracket then the capital gains is not taxable.
by rec7
Fri Sep 01, 2017 7:02 pm
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1913

Re: Need tax advice selling wellington

Wellington http://quotes.morningstar.com/chart/fund/chart?t=VWENX®ion=usa&culture=en_US Vanguard balanced admiral: http://quotes.morningstar.com/chart/fund/chart?t=VBIAX®ion=usa&culture=en_US There is hardly any difference performance wise and the index fees are only .09% less than Wellington...
by rec7
Fri Sep 01, 2017 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1913

Re: Need tax advice selling wellington

My plan was to sell gains until my income reaches just under 47k I don't know if this is the best idea or not?
by rec7
Fri Sep 01, 2017 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1913

Re: Need tax advice selling wellington

The answers. OP, It would be irresponsible to give you advice if we don't know the following: your tax filing status and number of exemptions- single 0 exemptions your state of residence and tax rate there-MO 6% your current portfolio (I know, Wellington)- 100% Wellington the nature of the income --...
by rec7
Fri Sep 01, 2017 1:32 pm
Forum: Investing - Help with Personal Investments
Topic: Need tax advice selling wellington
Replies: 33
Views: 1913

Need tax advice selling wellington

I would like to sell wellington and go an with index funds but need tax advice on how to do this. I make about 35K in income a year with wellington and have no other income. I have a 40k gain in wellington. How do I sell wellington in the best way as not to get hit hard with taxes. I am also on obam...
by rec7
Wed Aug 30, 2017 10:39 am
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Have Zero Credit Cards?
Replies: 129
Views: 6180

Re: Bad Idea to Have Zero Credit Cards?

Like it or not.... Having an active credit file is important for all sorts of identification purposes. Renting a car with a debit card can be very difficult. Fraud protections on credit cards are superior to debit cards, if there is a dispute it's not you fighting to get your money back. Dave Ramse...
by rec7
Wed Aug 30, 2017 10:34 am
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 7357

Re: How much sooner could you retire with NO property taxes?

I might move to Texas if I win the lotto not before then.
by rec7
Mon Aug 28, 2017 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Bad Idea to Have Zero Credit Cards?
Replies: 129
Views: 6180

Re: Bad Idea to Have Zero Credit Cards?

Sounds like you only have one. That would make it simple. I have one that pays some cash back it is the only one I use. I don't like to play the credit card game.
by rec7
Sun Aug 27, 2017 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: Do people in the 15% tax bracket tax loss harvest?
Replies: 24
Views: 2206

Re: Do people in the 15% tax bracket tax loss harvest?

Sure do. Not as much bang for the buck as the highest bracket put still is way to save money. I did get in a little trouble doing it. My income got so low I could not get obamacare after tax loss harvesting. I had to buy an active fund to get my income up. I know the irony of it all. LOL
by rec7
Wed Aug 23, 2017 1:53 pm
Forum: Personal Consumer Issues
Topic: LibreOffice
Replies: 24
Views: 2767

Re: LibreOffice

It seems to come with linux. Seem to work good.
by rec7
Wed Aug 23, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Lowes vs Home Depot
Replies: 60
Views: 7173

Re: Lowes vs Home Depot

Home Depot is a little cheaper but Lowes seems to have a better selection. So I just go to Lowes. I could get the Lowes credit card then the prices would be better or a draw. I don't think home depot has a card like that.
by rec7
Fri Aug 18, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Powerball - $510 million?
Replies: 64
Views: 4719

Re: Powerball - $510 million?

Change phone #, emails, and set appropriate restrictions on privacy for social media would be the most important. Outside of that, most of the "to do" about any new "rich" person in a moderate-to-large town would disappear relatively quickly it would seem. Outside of family/friends that have "gimme...