Search found 798 matches

by zaplunken
Sat Apr 22, 2017 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Is an ETFs more "tax fair" than a Mutual Fund in a Taxable Account?
Replies: 10
Views: 994

Re: Is an ETFs more "tax fair" than a Mutual Fund in a Taxable Account?

So it does seem that with this Vanguard fund if not most holding it as a mutual fund or ETF is six of one or a half dozen of another. Good to know, I prefer the mutual fund and really was not wanting to go the ETF route.
by zaplunken
Fri Apr 21, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Is an ETFs more "tax fair" than a Mutual Fund in a Taxable Account?
Replies: 10
Views: 994

Re: Is an ETFs more "tax fair" than a Mutual Fund in a Taxable Account?

This probably applies to the Total Stock Market Index and the Total International Stock Market Index which means the mutual fund is no better or worse than the ETF: Most Vanguard ETFs have no tax advantage over the corresponding Vanguard index funds, because in most cases the ETF is a share class of...
by zaplunken
Fri Apr 21, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Is an ETFs more "tax fair" than a Mutual Fund in a Taxable Account?
Replies: 10
Views: 994

Is an ETFs more "tax fair" than a Mutual Fund in a Taxable Account?

I watched Consuelo Mack's Wealthtrack last weekend, her guest was Matt Hougan an ETF expert. He said something that is making me question whether I should be holding the ETF vs the mutual fund of the Vanguard Total Stock Market Index (TMSI) in my Taxable Account that is valued at $30k. He said holdi...
by zaplunken
Mon Mar 27, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1507

Re: Will the Vg TIPS fund preserve current buying power over 10-20 years?

I read the Wiki yesterday about TIPS, I Bonds and the differences between them. There are real differences so it does matter which you chose based upon your situation. I did follow the write up on both but honestly I just don't understand how they will work in the future ie when is it a good time to...
by zaplunken
Sun Mar 26, 2017 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1507

Re: Will the Vg TIPS fund preserve current buying power over 10-20 years?

Thanks dbr and PJW that explains a lot of things clearly. I haven't heard much about I Bonds since I stopped listening to Bob Brinker about 8 or 9 years ago. Your comments bring back thinks I remember from his show that I forgot. No matter what I read about TIPS or a TIPS fund I can follow it to a p...
by zaplunken
Sun Mar 26, 2017 2:46 pm
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1507

Re: Will the Vg TIPS fund preserve current buying power over 10-20 years?

The only inflation indexed investment that can be redeemed at fixed real value any time is I bonds, as far as I know. One could invest in very short TIPS, which nearly preserve value at any time if the real rate at that maturity is positive. If the question is about ending up with no loss in real v...
by zaplunken
Sun Mar 26, 2017 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1507

Re: Will the Vg TIPS fund preserve current buying power over 10-20 years?

The money is in my 401k and rollover IRA at Vanguard. I don't know if I could buy TIPS within my rollover IRA and I know I can't with my 401k. I would never buy any individual bonds due to the spread (I've read it is hard to buy efficiently unless you are knowledgeable) and the lack of diversificati...
by zaplunken
Sun Mar 26, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Will the Vg TIPS fund preserve current buying power over 10-20 years?
Replies: 24
Views: 1507

Will the Vg TIPS fund preserve current buying power over 10-20 years?

I was going to write a lengthy post but maybe this will suffice and keep it short, if not I can start a thread with details. The value of my investments have grown to a level where I'm happy and I doubt I'll tap them to any degree if ever, 80% of this money is tax differed. My plan is to leave it fo...
by zaplunken
Sat Mar 18, 2017 7:44 pm
Forum: Forum Issues and Administration
Topic: Links posted by new members...How do we know if safe?
Replies: 10
Views: 1224

Re: Links posted by new members...How do we know if safe?

As triceratop stated, please report a post if you think the link is malicious and we'll check it out. Bear in mind, that you might click on the link and think the malware is from this site, but you've also clicked on a different website and gotten the malware from there. There are a few websites wh...
by zaplunken
Fri Feb 24, 2017 2:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 21ST HEARTDAY, JACK BOGLE
Replies: 24
Views: 1591

Re: HAPPY 21ST HEARTDAY, JACK BOGLE

Happy Heart Day Mr. Bogle and many more to come.
by zaplunken
Sun Jan 29, 2017 8:46 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 2623

Re: Why are Stable Value Funds not outperforming Total Bond over the long run?

For portfolio analysis and asset allocation, how do you characterize SV assets, bond or cash equivalents? I, too, have chosen SV in my 401k since bond funds in this environment have underperformed and the expense ratios don't seem to warrant bond fund exposure. Couple that with interest rate risk, ...
by zaplunken
Sun Jan 29, 2017 4:31 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax on selling your house
Replies: 11
Views: 1110

Re: Capital Gains Tax on selling your house

Thanks! There a lot of things in those lists and I never considered a new roof as an improvement. It seemed like it was something that when it was required it was required cuz " it leaked and no one wants to buy the house with that problem " vs " look I improved the value of the house...
by zaplunken
Sun Jan 29, 2017 3:53 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax on selling your house
Replies: 11
Views: 1110

Re: Capital Gains Tax on selling your house

So that is what I thought. Unless my house sold for $210k (a cost basis I can prove) + $250k (the single cap gain exemption) with no capital improvements (which I doubt I would need or want to do) I am under the cap gains exemption (if that is the correct word). I kinda doubt it would be worth $460k...
by zaplunken
Sun Jan 29, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax on selling your house
Replies: 11
Views: 1110

Re: Capital Gains Tax on selling your house

did you do any reading prior to your post? pretty sure theres a $250k exemption for proceeds from selling a home http://www.bankrate.com/finance/taxes/capital-gains-and-your-home-sale-1.aspx I rolled the $140k owed into a mortgage - wasnt this amount filed w/ your county/state in any form? In any a...
by zaplunken
Sun Jan 29, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: Why are Stable Value Funds not outperforming Total Bond over the long run?
Replies: 17
Views: 2623

Re: Why are Stable Value Funds not outperforming Total Bond over the long run?

As far as I know SV funds hold short term paper not equities. This may not be true for all SV funds but it is for mine. The only SV fund I have ever been associated with is from my former employer. Last year it returned 2.25% or 2.5% I forget right now but that is very good IMO, if it was getting 3%...
by zaplunken
Sun Jan 29, 2017 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Capital Gains Tax on selling your house
Replies: 11
Views: 1110

Capital Gains Tax on selling your house

I am curious, I don't intend to sell my house but this is something that bothers me. The house was built in 1998-1999, moved in 3/31/1999. I paid cash for the land - $70k. I had a construction loan from which I spent $140k and at the end of construction I rolled the $140k owed into a mortgage. I ref...
by zaplunken
Sun Jan 29, 2017 2:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 8601

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

Happy Birthday Taylor. Thank you for your service to our country and your service to our community. :sharebeer
by zaplunken
Tue Jan 24, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6482

Re: Upgrade button on Vanguard IRA

So eventually there will no more mutual fund accounts? Vanguard will be brokerage only? From what I was told today yes. I heard that 2 years ago also and thought it would have been done by now. So that is the direction they are going and like he said to me it may take years but eventually there wil...
by zaplunken
Mon Jan 23, 2017 9:03 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6482

Re: Upgrade button on Vanguard IRA

It appears that what we are told depends upon what we are told, different reps seem to have different advice. The guy I spoke to didn't say "force" just that eventually they will be "converted". Honestly at this point I don't see what calling would accomplish cuz each rep you tal...
by zaplunken
Mon Jan 23, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6482

Re: Upgrade button on Vanguard IRA

So eventually there will no more mutual fund accounts? Vanguard will be brokerage only? From what I was told today yes. I heard that 2 years ago also and thought it would have been done by now. So that is the direction they are going and like he said to me it may take years but eventually there wil...
by zaplunken
Mon Jan 23, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 5579

Re: Getting rid of mice

Those Carpenter Ants are pretty noisy what with their power tools. :beer
by zaplunken
Mon Jan 23, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6482

Re: Upgrade button on Vanguard IRA

I just got off the phone with Vanguard. The year end statement does contain "some" ytd info but with with a brokerage account it no longer will be a ytd accounting of all the activity for the year as was the case when I had a mutual fund account. In all the years I have held accounts at Va...
by zaplunken
Sun Jan 22, 2017 8:25 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6482

Re: Upgrade button on Vanguard IRA

I really like my mutual fund accounts and will not upgrade unless forced to. Will Vanguard eventually be forcing all investors to "upgrade" to a brokerage account? Well from what I read or was told a couple of years ago when I was opening the Trust account the answer was yes they are upgr...
by zaplunken
Sun Jan 22, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6482

Re: Upgrade button on Vanguard IRA

DON'T DO IT! I wish I could go back. This should be a warning - Note: Some account options may change. I used to get a nice ytd summary in December of the activity in my roll over IRA and Roth now I can't. I have 12 months of paper work for each account AND a trust account as well. I like paper but...
by zaplunken
Sun Jan 22, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 5579

Re: Getting rid of mice

I live in the country and there are a lot of mice around as I can attest by virtue of my woodshed and garden shed but none in the house. My house is built well and is tight so mice can't get in. 4 years ago the seal on my garage door shifted and left a gap of about 1/4" high and an inch wide. I...
by zaplunken
Sun Jan 22, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: Requirements to change passwords frequently?
Replies: 42
Views: 3373

Re: Requirements to change passwords frequently?

My employer forced a password change every 45 days. PITA. So I had 6 passwords for work. qwerty asdfgh zxcvbn poiuyt lkjhgf mnbvcx Yep that's what you get when you force me to do something. Medicare is just as stupid forcing you to do this every 60 days but I have 7 rather complex passwords I cycle ...
by zaplunken
Sun Jan 22, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Wood burning stoves - do you leave home with it burning?
Replies: 15
Views: 2601

Re: Wood burning stoves - do you leave home with it burning?

I've heated my last house (8 1/2 years) and this one (16 years) with a woodstove and have been using the same Vermont Casting Defiant Encore since March 1993. I have a sweep clean the chimney every May, I buy my wood split but green for a better price than seasoned and let it sit for 18 months, I ha...
by zaplunken
Fri Nov 25, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Are cap gains taxed on tax free muni bonds when sold in a taxable accout?
Replies: 8
Views: 729

Re: Are cap gains taxed on tax free muni bonds when sold in a taxable accout?

Thanks. I never considered the fund selling a bond and declaring a cap gain. Tax free isn't really all that tax free, sorta kinda somewhat tax free. :shock:
by zaplunken
Fri Nov 25, 2016 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: Are cap gains taxed on tax free muni bonds when sold in a taxable accout?
Replies: 8
Views: 729

Re: Are cap gains taxed on tax free muni bonds when sold in a taxable accout?

Thanks. I am surprised. So these are good to shelter current income they produce but if or when you sell them then you may have a tax liability and if they grew over say a decade it may be a lot. I thought TFMB were to avoid taxes, all taxes, but I guess not.
by zaplunken
Fri Nov 25, 2016 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Are cap gains taxed on tax free muni bonds when sold in a taxable accout?
Replies: 8
Views: 729

Are cap gains taxed on tax free muni bonds when sold in a taxable accout?

Just curious. Say I held a tax free muni bond fund in a taxable account which is probably where they should be held but anyway. The interest they generate monthly or quarterly is tax free. When I sell them say they have a cap gain of $100 or $1,000 or $100,000. Is that cap gain also a tax free event...
by zaplunken
Tue Nov 01, 2016 8:44 am
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 2072

Re: Will doing this hurt my FICO score?

Again thank you for your insights. I guess I had the FICO score way over blown but I do remember Amica telling me my score was excellent whenever I spoke to them so I just assumed it was the FICO and it was important. I didn't think I'd drop to the 600's but rather go back to 732 or 752, whichever i...
by zaplunken
Mon Oct 31, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 2072

Re: Will doing this hurt my FICO score?

Interesting I thought the insurance companies checked your score when renewal came up in addition to a new customer.
by zaplunken
Mon Oct 31, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 2072

Re: Will doing this hurt my FICO score?

There are things that are tied to your credit score for example insurance premiums, good FICO better rate, poor score you pay more.
by zaplunken
Sun Oct 30, 2016 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 2072

Re: Will doing this hurt my FICO score?

Thank you folks, appreciate the info. I'll just forget the new card, my credit report is frozen at all 3 bureaus so that was a concern as to what one to unlock for them to approve a new card assuming that would be required and some require a fee in my state.
by zaplunken
Sun Oct 30, 2016 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 2072

Re: Will doing this hurt my FICO score?

Geologist wrote:If you have the cash on hand, couldn't you write a check and then not use the credit cards at all?

WHAT! And forego 1.5% cash back on a $3k or $4k purchase! :wink: That's all the more reason to charge it. :beer
by zaplunken
Sun Oct 30, 2016 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 2072

Re: Will doing this hurt my FICO score?

Paying it off before the statement is sent might be a problem as I have them pull my monthly payment from my checking account. So if they said my balance was $3k and I paid $2k I'm not sure they'd pull just $1k. I have had the $10k card since 11/2006 and the $5k card since 8/2014, never late on any ...
by zaplunken
Sun Oct 30, 2016 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Will doing this hurt my FICO score?
Replies: 25
Views: 2072

Will doing this hurt my FICO score?

The purpose of considering this is to protect/preserve my FICO score of 815 to 821 depending upon which place I check it but would charging 1 purchase across 3 credit cards actually hurt my FICO score? I'm now being forced into a Medicare Advantage plan for 2017 with a Tier 5 drug and the drug cover...
by zaplunken
Tue Oct 18, 2016 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, sell when up or wait for it to go down?
Replies: 13
Views: 867

Re: Tax loss harvesting, sell when up or wait for it to go down?

The HEDJ cap gains were (is the correct term) non qualified. A small amount was not taxed but a large amount was taxed, maybe at 15%? All I know is I had to cough up $636 vs getting back maybe $50 or $100. Do you mean they were short term gains (<1 yr) so they were taxed at your marginal bracket? I...
by zaplunken
Tue Oct 18, 2016 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, sell when up or wait for it to go down?
Replies: 13
Views: 867

Re: Tax loss harvesting, sell when up or wait for it to go down?

Do you get any benefit from having losses to cancel realized gains? 19% of SS taxable sounds like you might be in the nominal 15% tax bracket where long term capital gains would not be taxed anyway? Will that be the case this year? JW Sorry I really didn't answer you. Yes I'm in the 15% bracket in ...
by zaplunken
Tue Oct 18, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, sell when up or wait for it to go down?
Replies: 13
Views: 867

Re: Tax loss harvesting, sell when up or wait for it to go down?

The HEDJ cap gains were (is the correct term) non qualified. A small amount was not taxed but a large amount was taxed, maybe at 15%? All I know is I had to cough up $636 vs getting back maybe $50 or $100. That was a shock. I had a taxable account back in the 2005 time frame and watched that go from...
by zaplunken
Tue Oct 18, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, sell when up or wait for it to go down?
Replies: 13
Views: 867

Re: Tax loss harvesting, sell when up or wait for it to go down?

It is much better to have a gain (or less of a loss) on an investment than to have a loss, even if you can deduct that loss against your taxes. If you make $100 and pay 20% in taxes on the gain, you end up $80 ahead of where you started. If you lose $100 and get to write off the loss at a 20% tax r...
by zaplunken
Tue Oct 18, 2016 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Tax loss harvesting, sell when up or wait for it to go down?
Replies: 13
Views: 867

Tax loss harvesting, sell when up or wait for it to go down?

Here's what I am asking. In April 2015 I put $15k into Vanguard Developed Markets MF and $15k into Wisdom Tree Europe Hedged (HEDJ) ETF in my Vanguard taxable account. As of 10/15/16 each one is down $1,200 but on 2/16/16 the Dev Mkt fund was down $2,700 and HEDJ ETF was down $2,900. HEDJ generated ...
by zaplunken
Mon Sep 05, 2016 5:00 pm
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 56
Views: 4540

Re: Recommend Ad Blockers

I use AdBlock Plus on Firefox. I don't see anything annoying. Some sites have stuff moving and changing not ads as much as content off to the side or the top. If it is bad I click on the Enter Reader View icon at the far right in the address bar just before the Refresh icon. Not sure how I got this,...
by zaplunken
Sun Aug 28, 2016 3:08 pm
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 5534

Re: Passwords

When you highlight an entry in KeePass, right-click on it. In the drop-down menu "Perform Auto-type" is the fourth item. Click on it and you should be cooking. (It seems that Ctr + V should do the same as well, but I have never done it that way.) Note that you may have to click on the &qu...
by zaplunken
Sun Aug 28, 2016 12:47 pm
Forum: Personal Consumer Issues
Topic: Passwords
Replies: 72
Views: 5534

Re: Passwords

I can recommend Keepas. It's free and has worked well for me. I just click on "open website" and then "autotype" to inject the username and password. What is Auto Type? I looked at all the menus without success, I read about it but I don't understand how to use it. I tried to op...
by zaplunken
Tue Aug 23, 2016 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 15120

Re: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]

hcj wrote:I just logged in and it says I have to change my password every six months. Was that always the case or is this new? What a PITA.

Been like that for at least 4 years. Medicare is worse, try every 45 days! :oops:
by zaplunken
Tue Aug 16, 2016 9:41 am
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 15120

Re: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]

“Unfortunately, not all of America's seniors have cell phones that are capable of receiving text messages and we are concerned that the new authentication requirement will remain that millions of American will find themselves cut off from this convenient avenue of service delivery,” Mr. Richtman sa...
by zaplunken
Sun Aug 14, 2016 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA to Roth conversion, how to pay tax and have 100% of it go to my Roth?
Replies: 30
Views: 2360

Re: Rollover IRA to Roth conversion, how to pay tax and have 100% of it go to my Roth?

1. Vanguard will not withhold taxes unless you tell them to withhold taxes, so don't tell them to withhold taxes. 2. Make a tax payment separately. I used the IRS DirectPay online feature to pay directly from my checking account by ACH transfer. You can pay anytime, but should pay by certain deadli...
by zaplunken
Sun Aug 14, 2016 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA to Roth conversion, how to pay tax and have 100% of it go to my Roth?
Replies: 30
Views: 2360

Re: Rollover IRA to Roth conversion, how to pay tax and have 100% of it go to my Roth?

Thank you, this seems pretty easy. I will find out Wednesday whether it is in my best interest to do this or just wait. I know taxes are due whether over the next 5 years or starting in 2021. The questions are does it make sense to do the conversions because it will save me in taxes by drawing down ...
by zaplunken
Sun Aug 14, 2016 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover IRA to Roth conversion, how to pay tax and have 100% of it go to my Roth?
Replies: 30
Views: 2360

Rollover IRA to Roth conversion, how to pay tax and have 100% of it go to my Roth?

I don't understand how this works. My goal is to reduce my RMDs in 5 years. Say I take a distribution (and stay in the 15% tax bracket not that this should matter) from my Vanguard Rollover IRA and want to do a Roth conversion putting 100% of the distribution into my Vanguard Roth account. I have th...

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