Search found 66 matches

by Joe Jones
Fri Nov 10, 2017 12:09 am
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Method Selling VTSAX in Taxable?
Replies: 22
Views: 1562

Re: Cost Basis Method Selling VTSAX in Taxable?

I believe once you choose Average method, you can't go back to specific lots for that security in the future. Not to contradict you, because I'm just getting the idea of how this works, but I read this on the Vanguard cost basis resources page— "Set your preferred cost basis method It's best to set...
by Joe Jones
Thu Nov 09, 2017 3:29 pm
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Method Selling VTSAX in Taxable?
Replies: 22
Views: 1562

Re: Cost Basis Method Selling VTSAX in Taxable?

I believe once you choose Average method, you can't go back to specific lots for that security in the future. Not to contradict you, because I'm just getting the idea of how this works, but I read this on the Vanguard cost basis resources page— "Set your preferred cost basis method It's best to set...
by Joe Jones
Wed Nov 08, 2017 6:14 pm
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Method Selling VTSAX in Taxable?
Replies: 22
Views: 1562

Re: Cost Basis Method Selling VTSAX in Taxable?

Don't forget that gains from stocks owned less than one year are taxed at your ordinary income rate, unless you have capital losses that might offset those gains. Aha! Thanks I would have. So if I've held stocks in a non-retirement account for longer than 1 year, they are taxed at the capital gains...
by Joe Jones
Tue Nov 07, 2017 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Method Selling VTSAX in Taxable?
Replies: 22
Views: 1562

Re: Cost Basis Method Selling VTSAX in Taxable?

OK! Now I see there is a whole tab on Vanguard where I have yet to set the cost basis for each fund. I can see that all three funds— VTSAX, VTIAX and VBTLX are "covered shares" because they were invested after 2012 or thereabouts. "Covered shares include shares acquired on or after the effective dat...
by Joe Jones
Tue Nov 07, 2017 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Method Selling VTSAX in Taxable?
Replies: 22
Views: 1562

Re: Cost Basis Method Selling VTSAX in Taxable?

I see! This is so helpful. Thank you! I bought all of the shares as a lump sum investment after selling a house so that makes it easy I suppose. I'll familiarize myself with the specific ID process in any case. Thanks again! Do you have dividends (and capital gains if any are distributed) sent to y...
by Joe Jones
Mon Nov 06, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Method Selling VTSAX in Taxable?
Replies: 22
Views: 1562

Re: Cost Basis Method Selling VTSAX in Taxable?

I see! This is so helpful. Thank you!

I bought all of the shares as a lump sum investment after selling a house so that makes it easy I suppose.
I'll familiarize myself with the specific ID process in any case.

Thanks again!
by Joe Jones
Mon Nov 06, 2017 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Method Selling VTSAX in Taxable?
Replies: 22
Views: 1562

Re: Cost Basis Method Selling VTSAX in Taxable?

It is okay to us average cost basis. Some prefer it. Many others prefer specific ID. I like specific ID because when I have many tax lots, I can choose which shares to sale to optimize taxes. The extra work is minimal, and the tax savings can be significant. I would recommend specific ID. +1 for ab...
by Joe Jones
Mon Nov 06, 2017 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: Cost Basis Method Selling VTSAX in Taxable?
Replies: 22
Views: 1562

Cost Basis Method Selling VTSAX in Taxable?

Dear Bogleheads, I just want to confirm before I make a mistake with something I don't totally (or even begin) to understand— Is it OK to select "Yes, use average cost." when selling VTSAX in a taxable account? I'm rebalancing and need to move a few thousand dollars into a cash settlement account. F...
by Joe Jones
Wed Oct 18, 2017 12:14 am
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4457

Re: Amazon Prime - Decline in Delivery Service?

We cancelled Amazon Prime and decided to use Walmart.com. They have free 2 day delivery with no yearly fee. Walmart is working extra extra hard to compete with Amazon. We also love the fact that we can pick up orders at the brick and mortar store if need be. We're going to try this. We'll still ord...
by Joe Jones
Sun Oct 15, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Amazon Prime - Decline in Delivery Service?
Replies: 54
Views: 4457

Amazon Prime - Decline in Delivery Service?

Has anyone noticed Amazon losing it's ability to deliver as promised? It used to be rare that packages would arrive late or be marked as delivered even though not delivered. Now less than half of our orders arrive on schedule as promised. The delivery date is frequently marked as "delayed" and we ha...
by Joe Jones
Sat Oct 07, 2017 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze - Temporarily Lifting, Restoring and Monitoring
Replies: 13
Views: 757

Re: Credit Freeze - Temporarily Lifting, Restoring and Monitoring

Yes, I signed up for the free plan online. The questions were frightfully easy.
by Joe Jones
Sat Oct 07, 2017 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze - Temporarily Lifting, Restoring and Monitoring
Replies: 13
Views: 757

Re: Credit Freeze - Temporarily Lifting, Restoring and Monitoring

Good points, and it's nice to hear about the simple, positive experience. Experian, I signed up. Transunion, I have an acct from when I froze it initially. Equifax... I'm still scared to click anything related to it. I guess I feel like if someone is going to try and steal my information and identit...
by Joe Jones
Sat Oct 07, 2017 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze - Temporarily Lifting, Restoring and Monitoring
Replies: 13
Views: 757

Re: Credit Freeze - Temporarily Lifting, Restoring and Monitoring

A close family member had her identity stolen a few years ago, likely a combination of mail theft, key loggers and unsecured wifi, and the problem she ran into was that everywhere she went they didn't believe it was her. Someone else had already signed up for accounts and taken charge of her identit...
by Joe Jones
Sat Oct 07, 2017 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze - Temporarily Lifting, Restoring and Monitoring
Replies: 13
Views: 757

Re: Credit Freeze - Temporarily Lifting, Restoring and Monitoring

Did you try the automated phone system to do the temporary lift or you only tried online? I didn't... is it that easy? I did it online. What struck me was—why can't anyone with my SS# lift the freeze? Really all I needed was my SS# and to answer a few pretty easy guess questions... all of which wer...
by Joe Jones
Fri Oct 06, 2017 8:02 pm
Forum: Personal Consumer Issues
Topic: Steep Uneven Floor in an Old House
Replies: 26
Views: 1752

Re: Steep Uneven Floor in an Old House

Thanks for the advice on checking under the house, the foundation lift and also for the voice of wisdom regarding earthquakes. We all but sleep with helmets on and are ready to be out of the house in <15 seconds with zero warning at any time. So we're ahead of the game in that regard, but having an ...
by Joe Jones
Fri Oct 06, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze - Temporarily Lifting, Restoring and Monitoring
Replies: 13
Views: 757

Credit Freeze - Temporarily Lifting, Restoring and Monitoring

I just want to make sure I understand the streamlined process for lifting, replacing and monitoring (checking the status) of credit freezes. Sometime in 2015/2016 I froze my credit at Experian, Equifax and Transunion. I did so online. I believe I opted out of signing up for accounts (as much as poss...
by Joe Jones
Thu Oct 05, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Steep Uneven Floor in an Old House
Replies: 26
Views: 1752

Re: Steep Uneven Floor in an Old House

Great advice all around. This pretty much confirms what other level-headed people have said when they've seen it. And of course, to quote Clint Eastwood "If you want a guarantee, buy a toaster." I won't bother the landlord about it. He knows. He told me the same as most of you have said 10 years ago...
by Joe Jones
Wed Oct 04, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Steep Uneven Floor in an Old House
Replies: 26
Views: 1752

Re: Steep Uneven Floor in an Old House

Great tips! Thank you so much! Bogleheads always nails it. So much wisdom here. It was my instinct after looking around and watching it over time, that it wouldn't suddenly collapse. It seems like it would slowly pull apart. It probably has been for 50+ years. But it seems pretty comfortable in its ...
by Joe Jones
Wed Oct 04, 2017 3:45 pm
Forum: Personal Consumer Issues
Topic: Steep Uneven Floor in an Old House
Replies: 26
Views: 1752

Re: Steep Uneven Floor in an Old House

Time to move? :shock: Haha. Eventually yes. Things are not so easy though, with regards to employment and surviving in the Bay Area. We'd like to stay as long as possible. P.S. We're not rent control mooches. We live outside SF proper. More like we watch over the place for the landlord. Respect and...
by Joe Jones
Wed Oct 04, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Steep Uneven Floor in an Old House
Replies: 26
Views: 1752

Re: Steep Uneven Floor in an Old House

[/quote] Just a thought: Are you sure it's the foundation and not sagging or cracked joists? [/quote] I am not sure. I don't exactly know what those are... but I think there is probably some of that around the middle of the house. Not so extreme. I assumed that since the floor was arcing down into t...
by Joe Jones
Wed Oct 04, 2017 2:57 pm
Forum: Personal Consumer Issues
Topic: Steep Uneven Floor in an Old House
Replies: 26
Views: 1752

Re: Steep Uneven Floor in an Old House

The walls are cracking a bit here and there yes. They are plaster. I think the structure is cedar and redwood. Lots of redwood. The house was built after the 1906 earthquake. (SF, CA) The steep slopes are down into the walls on the perimeter on the downhill sides. I'm not worried about someone tripp...
by Joe Jones
Wed Oct 04, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Steep Uneven Floor in an Old House
Replies: 26
Views: 1752

Steep Uneven Floor in an Old House

Steeply Sloping Uneven Floor in an Old House - When is it unsafe? We rent in a great neighborhood and have an amazing landlord. We have a great deal and so handle maintenance, etc. without bothering the landlord—sort of an unspoken agreement. We contact him for major repairs, or out of respect, to l...
by Joe Jones
Thu Jul 06, 2017 4:45 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance Cover a Fractured Zygoma?
Replies: 15
Views: 2235

Re: Medical Insurance Cover a Fractured Zygoma?

Yes! They were SO professional. The anesthesiologist, nurses and surgeon may as well have been working for NASA. Every detail, every step of the way. My mom was a nurse for many years. She filled my mind with so many horror stories—the first thing I was thinking when I went in the morning after the ...
by Joe Jones
Thu Jul 06, 2017 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance Cover a Fractured Zygoma?
Replies: 15
Views: 2235

Re: Medical Insurance Cover a Fractured Zygoma?

Thank you so much for the quick and highly informed responses! I did have the surgery done and it was covered by insurance. On a side note, what an experience! I'd never been in a pre-op room—people lined up in beds getting prepped for surgery. It's terrifying! It is humbling to see how calm and tou...
by Joe Jones
Tue Jul 04, 2017 1:33 am
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance Cover a Fractured Zygoma?
Replies: 15
Views: 2235

Re: Medical Insurance Cover a Fractured Zygoma?

123, I was seen at the Kaiser ER. Everything has been through Kaiser here in town. They have been amazing with any problem I've had. I've been insured with them for 40+ years. I did have a serious ER visit out of state last year, and the "emergency" portion of the visit was covered through Kaiser al...
by Joe Jones
Tue Jul 04, 2017 1:01 am
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance Cover a Fractured Zygoma?
Replies: 15
Views: 2235

Re: Medical Insurance Cover a Fractured Zygoma?

You nailed it White Coat Investor—thanks so much. The doctor got back to me a few moments ago and said basically just that. He went way above and beyond the call of duty (kind of like you just did haha) getting back to me late on a holiday night and has been so helpful. I'm grateful. Thank you! -Joe
by Joe Jones
Mon Jul 03, 2017 11:08 pm
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance Cover a Fractured Zygoma?
Replies: 15
Views: 2235

Medical Insurance Cover a Fractured Zygoma?

Dear Bogleheads, I had a little mishap (tripped and fell on my face) and fractured my zygoma (cheekbone). The emergency room doctor took x-rays, confirmed a fractured zygoma, referred me to head and neck surgery. The head and neck doctor ordered a CAT scan. The CAT scan confirmed only a fractured zy...
by Joe Jones
Thu Feb 11, 2016 11:29 pm
Forum: Personal Finance (Not Investing)
Topic: Prenup - Memorandum of Understanding?
Replies: 3
Views: 1185

Re: Prenup - Memorandum of Understanding?

Thank you.
I asked my attorney this morning and, yes, it was unnecessary.
-Joe
by Joe Jones
Thu Feb 11, 2016 12:59 am
Forum: Personal Finance (Not Investing)
Topic: Prenup - Memorandum of Understanding?
Replies: 3
Views: 1185

Prenup - Memorandum of Understanding?

Dear Bogleheads, I recently hired an attorney to create a simple prenup that keeps all property and accounts separate (unless documented otherwise) and waives spousal support in case of divorce. Both my attorney and I have signed the document and it was notarized by my attorney. My fiancé sought her...
by Joe Jones
Tue Feb 02, 2016 2:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expectations for 2016
Replies: 11
Views: 2770

Re: Vanguard expectations for 2016

My question to Vanguard:
Since we base our asset allocation on risk vs reward, should we not lower our exposure to equities?
by Joe Jones
Fri Jan 15, 2016 1:14 pm
Forum: Investing - Theory, News & General
Topic: $100 On October 9th, 2007 Worth How Much Today?
Replies: 29
Views: 6284

Re: $100 On October 9th, 2007 Worth How Much Today?

And how about today? Inflation adjusted?
by Joe Jones
Fri Jan 08, 2016 12:49 am
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 9171

Re: Jackpot Now Estimated $700 Million, who's in?

Why buy a lottery ticket when you can buy the whole stock market?
by Joe Jones
Sat Dec 26, 2015 7:47 pm
Forum: Personal Finance (Not Investing)
Topic: Outsourcing property management
Replies: 23
Views: 2727

Re: Outsourcing property management

Dear azurekep, If you don't take responsibility for your windfall, someone else will. Meaning, you will be a victim of fraud or found negligent in a law suit. Be careful you don't become a soft target. I wish I knew these things a few years ago. Maybe they will help you, take them or leave them. 1. ...
by Joe Jones
Tue Dec 22, 2015 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Identity theft!
Replies: 18
Views: 2133

Re: Identity theft!

How do you guys protect and minimize chance of identity theft ? How do they get your information? Can they do it over the Internet ( spy ware ) ? The bank just called me and told me that someone registered your credit card and I might have been a victim of identity theft ! input appreciated. How do...
by Joe Jones
Tue Dec 22, 2015 3:43 pm
Forum: Investing - Theory, News & General
Topic: Part 2 of the perfect storm post, how to increase EXPECTED returns
Replies: 118
Views: 12873

Re: Part 2 of the perfect storm post, how to increase EXPECTED returns

Mr. Swedroe, Thank you for sharing your articles! They seem like reasonable advice under any market conditions. I'm a lay-person, just enjoying learning about investing, so please don't take this as a challenge. I’ve been reading A Random Walk Down Wall Street by Burton G. Malkiel. At the end of th...
by Joe Jones
Mon Dec 21, 2015 10:49 pm
Forum: Investing - Theory, News & General
Topic: Part 2 of the perfect storm post, how to increase EXPECTED returns
Replies: 118
Views: 12873

Re: Part 2 of the perfect storm post, how to increase EXPECTED returns

Mr. Swedroe, Thank you for sharing your articles! They seem like reasonable advice under any market conditions. I'm a lay-person, just enjoying learning about investing, so please don't take this as a challenge. I’ve been reading A Random Walk Down Wall Street by Burton G. Malkiel. At the end of the...
by Joe Jones
Sun Dec 20, 2015 5:15 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2648
Views: 849213

Re: What Book Are You Currently Reading? Part VI

Currently enjoying A Random Walk Down Wall Street by Burton G. Malkiel Recently finished The Boglehead's Guide to Investing by Landauer, Larimore, LeBoeuf and The Little Book of Common Sense Investing by John C. Bogle The Clash of the Cultures: Investment Vs. Speculation by John C. Bogle looks good....
by Joe Jones
Sat Dec 19, 2015 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: Moving cash into the market now
Replies: 26
Views: 4613

Re: Moving cash into the market now

redrocker, I was faced with a similar dilemma last month. 40% went into bonds, which was an easy, low risk move. The remaining 60% went into the total stock market and total international stock market. That was difficult. I wanted to buy low. I had been waiting for the market to take a nose-dive, bu...
by Joe Jones
Sat Dec 19, 2015 1:27 am
Forum: Personal Finance (Not Investing)
Topic: free down loads
Replies: 2
Views: 772

Re: free down loads

You can read everything online without downloading anything. Watch your back. Don't actually DOWNLOAD anything. Viruses, especially key-loggers can be embedded in .PDF (article) files that you download, as well as any other file you accept. Good providers will not require a download, EVER. Beware th...
by Joe Jones
Fri Dec 18, 2015 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Large Stock Market Decline Today - What's going on?
Replies: 46
Views: 5462

Re: Large Stock Market Decline Today - What's going on?

If there is any positivity to be had, I'd like to hear about it. Please keep answers simple. Thanks so much. I feel your pain sheople2. But this might make you feel better: If you put $100 in the market on October 9th, 2007 at the peak of the bubble, right before the biggest nose-dive since the gre...
by Joe Jones
Fri Dec 18, 2015 7:32 pm
Forum: Investing - Theory, News & General
Topic: ETF or Fund - Which Do You Use?
Replies: 40
Views: 4175

Re: ETF or Fund - Which Do You Use?

I'm just using funds for long term (10+ years) investing with a simple three fund portfolio. Don't really know if that is the right decision but I'll stick with it for now. Interesting article by Jason Zweig over on the WSJ - Buy The EFT Not the Mutual Fund http://blogs.wsj.com/moneybeat/2015/12/18/...
by Joe Jones
Fri Dec 18, 2015 7:21 pm
Forum: Investing - Theory, News & General
Topic: ETF or Fund - Which Do You Use?
Replies: 40
Views: 4175

ETF or Fund - Which Do You Use?

I think you need special privileges to create a poll here?
Probably smart or I'd be making annoying polls right and left! :wink:

Great wiki article comparing ETFs and Mutual Funds: https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds

I'm just curious, what's the consensus here?
Which do you use, ETF or fund?
by Joe Jones
Wed Dec 16, 2015 2:57 am
Forum: Personal Consumer Issues
Topic: WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?
Replies: 43
Views: 4823

WSJ - Cancel and Invest Subscription Fee in S&P500 or Read Daily - Which is a Better Investment?

Over the course of a lifetime, which would be a better use of money?

A) Investing the $32.99/month Wall Street Journal subscription fee in the S&P500
B) Subscribing and reading the paper front to back every day
by Joe Jones
Mon Dec 14, 2015 10:22 pm
Forum: Investing - Help with Personal Investments
Topic: Predict stock movement this week
Replies: 33
Views: 3033

Re: Predict stock movement this week

This market thing must have a mind of its own.
Does it even read the news!?
by Joe Jones
Sun Dec 13, 2015 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Predict stock movement this week
Replies: 33
Views: 3033

Re: Predict stock movement this week

I'll play.

Stocks are down 3% on Monday.
The Fed doesn't raise interest rates Tuesday.
Stocks are up 1.5% by close on Friday.

Now go forth and pin the tail on the donkey!
by Joe Jones
Sun Dec 13, 2015 5:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101428

Re: U.S. stocks in freefall

Why not sell and take a few percent loss off the top, and then buy again on the low? Market timing... still trying to get my head around how it doesn't work. I know on a daily or even weekly level it is impossible. But cyclically? We've got some pretty consistent waves of bubbles over the decades. ...
by Joe Jones
Sun Dec 13, 2015 4:33 pm
Forum: Investing - Theory, News & General
Topic: "Learning From the Oil Bust"
Replies: 17
Views: 3652

Re: "Learning From the Oil Bust"

Great article. Congress lifting the US oil export ban will likely add a twist to the turns in the market, not to mention the more subtle impact of the climate deal. Oil is slippery business. It will be interesting to see how this year pans out. Wall Street Journal: Congress Seen Likely to Lift U.S. ...
by Joe Jones
Sat Dec 12, 2015 5:32 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101428

Re: U.S. stocks in freefall

Joe, It seems like you are the panicked passenger on "Airplane" and we are all lining up to slap your face (or worse). A few years ago there was a poster who sold in advance of the fiscal cliff. By my calculations, he lost 5% in a week. These were real, realized losses. He sold, then boug...
by Joe Jones
Sat Dec 12, 2015 4:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 4148
Views: 1101428

Re: U.S. stocks in freefall

Is it unfashionable to scream BEAR! and run? I have a feeling a lot of people are going to do just that come Monday. Last chance to get off the boat. End of an economic cycle. Take your generous winnings and quit while you're ahead. Why not sell and take a few percent loss off the top, and then buy ...
by Joe Jones
Thu Dec 10, 2015 8:16 pm
Forum: Investing - Theory, News & General
Topic: Recession on the Horizon - Sensationalist Noise or Actionable Information?
Replies: 36
Views: 5136

Re: Recession on the Horizon - Sensationalist Noise or Actionable Information?

This thread from Thursday, October 9th, 2008 is pretty much says it all: I can't believe I am thinking this https://www.bogleheads.org/forum/viewtopic.php?f=10&t=25126 I wish someone would make a compendium of epic market survival stories somewhere here on the site. I'm literally awe-struck by t...