Search found 746 matches

by JoinToday
Wed Sep 26, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: Minimum Withdrawal Rate and Dividend Growth
Replies: 12
Views: 1230

Re: Minimum Withdrawal Rate and Dividend Growth

This assumes the withdrawal is from a taxable account? It has never occurred to me, but I assume you cannot have dividends/interest from retirement accounts not reinvested or as part of a MRD. Is that correct? Tim It doesn't matter whether it is an after tax or pre tax account. The number is 4%. Yo...
by JoinToday
Tue Sep 04, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: The future of my journals and logs
Replies: 45
Views: 4248

Re: The future of my journals and logs

What do you write in your journals? 1. I would like to read what my parents, grandparents, etc did; what life was like, etc. My grandparents were immigrants 2. I would be embarrassed to write some things, or it would be too painful to write other things, and I have a pretty mundane life, without a l...
by JoinToday
Tue Sep 04, 2018 7:30 pm
Forum: Investing - Theory, News & General
Topic: "Safeguarding Your Wealth From The Effects Of Cognitive Decline"
Replies: 52
Views: 5045

Re: "Safeguarding Your Wealth From The Effects Of Cognitive Decline"

What several relatives of ours have done is to make the successor trustee of their trust a co-trustee (with full and equal authority) so they could get used to paying the family bills and know where the assets are located, while the original trustees (those who created the trust) were still living....
by JoinToday
Thu Aug 23, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: Help me understand this phrase in BH Wiki
Replies: 25
Views: 2168

Re: Help me understand this phrase in BH Wiki

I think risk means volatility
by JoinToday
Wed Aug 22, 2018 9:51 am
Forum: Investing - Help with Personal Investments
Topic: Good bond duration for low risk, younger investor
Replies: 16
Views: 1252

Re: Good bond duration for low risk, younger investor

1. I think intermediate term bond duration, with a duration approximation 5 years, is the sweet spot for risk/reward from what I have read 2. I use bond funds exclusively for simplicity. I don't want to have to look at bonds, etc. I can see a bond maturing, and the proceeds sitting in my money marke...
by JoinToday
Mon Aug 20, 2018 9:37 pm
Forum: Personal Consumer Issues
Topic: Shower too HOT
Replies: 14
Views: 815

Re: Shower too HOT

Is there a restriction in the cold water line?

do you have a constant temperature controlled handle? (a newer shower control handle), or an older one that doesn't adjust the hot/cold water mix to maintain a constant temperature?
by JoinToday
Wed Aug 15, 2018 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Advisor Dumped, Now How to Best Simplify
Replies: 20
Views: 2587

Re: Advisor Dumped, Now How to Best Simplify

what tax bracket are you in (Fed & state), and what are your holdings, STCG, LTCG?

Hard to give advice without a basic understanding of what you have.
by JoinToday
Sat Aug 11, 2018 1:32 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 9745

Re: Anyone noticing Vanguard website changes today Saturday August 11

I haven't looked today or yesterday, but in the recent past, I was able to change the order of my funds with the "customize view"
by JoinToday
Sat Aug 11, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Comfortably Retired and charity giving?
Replies: 25
Views: 2134

Re: Comfortably Retired and charity giving?

For those that are comfortably retired (40 times expense or more) what percent of your investments do you contribute to charity? And what percent of your estate do you plan to leave to charity? Personally I never thought of giving as a percent of investments (net worth - personal real estate). I th...
by JoinToday
Sat Aug 04, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: How can I get rid of accumulated wash sales?
Replies: 5
Views: 621

Re: How can I get rid of accumulated wash sales?

Hi, I'm an active trader (I mainly sell puts, calls, vertical spreads). This year I have accumulated wash sales on a couple of stocks and want to figure out what I need to do to eliminate them if possible. I have closed the positions completely and not traded those stocks or derivatives for about t...
by JoinToday
Fri Aug 03, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 2835

Re: Should I roast my own coffee?

I have trouble stomaching $18 for 12 oz bag of coffee from local or mail order coffee roasters. That works out to $24/lb. It's more expensive than the USDA Prime Rib Eye I buy, and I never thought I would be spending the money on Prime beef -- until I bought it; now I can't go back. I am afraid the...
by JoinToday
Fri Aug 03, 2018 8:25 pm
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 2835

Re: Should I roast my own coffee?

I have trouble stomaching $18 for 12 oz bag of coffee from local or mail order coffee roasters. That works out to $24/lb. It's more expensive than the USDA Prime Rib Eye I buy, and I never thought I would be spending the money on Prime beef -- until I bought it; now I can't go back. I am afraid the...
by JoinToday
Fri Aug 03, 2018 8:17 pm
Forum: Personal Consumer Issues
Topic: Replacing the cartridge in a kitchen faucet
Replies: 10
Views: 854

Re: Replacing the cartridge in a kitchen faucet

... The handle is attached with a hex nut. You mean hex screw? I was using a hex key to try and remove it. Allen wrench It was stuck and I must have stripped the nut. Are there any other options for removing the nut? Could a hex nut driver remove the nut as well? If the nut is drilled out can the n...
by JoinToday
Fri Aug 03, 2018 5:55 pm
Forum: Personal Consumer Issues
Topic: Should I roast my own coffee?
Replies: 43
Views: 2835

Re: Should I roast my own coffee?

I have trouble stomaching $18 for 12 oz bag of coffee from local or mail order coffee roasters. That works out to $24/lb. It's more expensive than the USDA Prime Rib Eye I buy, and I never thought I would be spending the money on Prime beef -- until I bought it; now I can't go back. I am afraid the ...
by JoinToday
Tue Jul 31, 2018 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: How to prepare for "the talk"
Replies: 64
Views: 5194

Re: How to prepare for "the talk"

.... They are 64 and 60 respectively .... .... I am in your parents age range. If my child came to me and asked about my finances, I don't think I would be too open about it, especially if I thought the information might spread beyond my child. But in my defense, I know a lot more about finances th...
by JoinToday
Sun Jul 29, 2018 6:39 pm
Forum: Investing - Help with Personal Investments
Topic: Getting rid of individual stocks
Replies: 37
Views: 4321

Re: Getting rid of individual stocks

Up 12% in 4-5 months? No question, I would sell. Downside risk is too great for me.

If you had held for 10-11 months, I would probably wait.

Sell, and don't look back. Give yourself a pat on the back for lucking out. :sharebeer
by JoinToday
Sun Jul 29, 2018 12:32 am
Forum: Personal Consumer Issues
Topic: Regret Public School?
Replies: 75
Views: 5979

Re: Regret Public School?

When I lived in LA, both of my next door neighbors were public school teachers. They sent their kids to a private school. Ralph 1. Anecdotal evidence doesn't prove anything; most of the posts in this thread are anecdotal. 2. I agree with Ralph. I have heard studies that show a disproportionate numb...
by JoinToday
Wed Jul 25, 2018 9:38 am
Forum: Investing - Theory, News & General
Topic: When Buckets Really aren’t Buckets.
Replies: 18
Views: 1970

Re: When Buckets Really aren’t Buckets.

That is a lot of cash. You would probably be better off putting the 400K in a bond or CD ladder. And for tax efficiency, put bonds in IRA, stock in after tax account (I assume the cash is in an after tax account).

I currently keep approx $20K cash in after tax, the rest are bonds in my IRA/401k
by JoinToday
Wed Jul 25, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: Intermittent Fasting
Replies: 50
Views: 3504

Re: Intermittent Fasting

I fast between lunch and dinner but it's tough. Seems to work better if I have dinner early, like around 2 p.m. you obviously have more will power than I have. I might have to eat a snack around 1 PM to hold me over :wink: Seriously here: I eat dinner late 7-8 pm, and still need to eat a snack befo...
by JoinToday
Wed Jul 25, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Tax implications for $25k from in-laws
Replies: 9
Views: 893

Re: Tax implications for $25k from in-laws

No tax implications unless they give more than $15K per person. They can give up to $60K each year
FIL give $15K to daughter
FIL give $15K to son in law
MIL give $15K to daughter
MIL give $15K to son in law
by JoinToday
Mon Jul 23, 2018 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Mother-in-Law criticizing my wife over our recent house purchase
Replies: 38
Views: 3067

Re: Mother-in-Law criticizing my wife over our recent house purchase

.... Now it is definitely true that the house we bought is on the smaller side (2150 sq ft), but it has 4 bedrooms above grade and a fully finished basement which adds another 2000 sq ft (complete with bedroom, bathroom, 2 living room sized areas, and a massive storage area). .... You obviously don...
by JoinToday
Sun Jul 22, 2018 11:51 pm
Forum: Personal Consumer Issues
Topic: Rotating Tires in Honda Odyssey
Replies: 15
Views: 1565

Re: Rotating Tires in Honda Odyssey

I rotate approx. every 10K miles, and I alternate between front <=> back and cross. But I'll usually do it on an oil change day so I might miss the 10K mark by a few thousand K plus or minus. I do mine on oil change day also. every 5000 miles (wife's car) or approx 7500 miles (my car with oil monit...
by JoinToday
Sun Jul 22, 2018 11:10 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead plumbers? Need help.
Replies: 16
Views: 1762

Re: Any Boglehead plumbers? Need help.

..... THE BLOODY ROD DISCONNECTED FROM THE NUT and the new rod fell into the tank!!! :oops: ..... If this weren't a family friendly forum, I would have to ask what was coming out of your mouth when you realized what had happened. But since it is a family friendly forum, would the language out of yo...
by JoinToday
Wed Jul 18, 2018 11:44 pm
Forum: Personal Finance (Not Investing)
Topic: Liability with assets in irrevocable trust, bsteiner
Replies: 1
Views: 352

Liability with assets in irrevocable trust, bsteiner

I am following the advice given by bsteiner: When wife & I pass, our assets are held in an irrevocable trust for the beneficiaries for asset protection considerations (divorce & lawsuit risks in particular; no spendthrift or substance abuse issues or concerns). It occurred to me that if a house is o...
by JoinToday
Wed Jul 11, 2018 12:50 am
Forum: Personal Consumer Issues
Topic: Tool cabinets?
Replies: 32
Views: 2298

Re: Tool cabinets?

I went through this exercise and read all the reviews, watched the videos, etc. for these cabinets. I was willing to buy a $nap-On if that was the only quality option. :moneybag The big ones cost thousands of dollars, though! :shock: Fortunately, Harbor Freight makes a line called US General which ...
by JoinToday
Tue Jul 10, 2018 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Grandmas Living Trust... Need Advice
Replies: 22
Views: 1575

Re: Grandmas Living Trust... Need Advice

Since you are in Calif (same as I am), you really, really, really want to avoid probate. Make sure every account has beneficiaries, or is titled in the trust Make sure all real estate is either in the trust or has a beneficiary. Make sure you sit down with your grandmother & go over all assets, safe...
by JoinToday
Tue Jul 10, 2018 2:28 am
Forum: Personal Finance (Not Investing)
Topic: Grandmas Living Trust... Need Advice
Replies: 22
Views: 1575

Re: Grandmas Living Trust... Need Advice

...... Thank you for the reply. Yes we are in California The Annuities and IRAs have beneficiaries already. She has a living trust bank account with beneficiaries listed as well, but that account only has about 15k in it. I will do my research here and search for bsteiner. I am definitely leaning t...
by JoinToday
Mon Jul 09, 2018 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: Grandmas Living Trust... Need Advice
Replies: 22
Views: 1575

Re: Grandmas Living Trust... Need Advice

Are your grandmother’s assets currently in a living trust or is she considering setting one up? What is the role of the agent that you mentioned? She has a living trust established that my grandfather and her set up years ago. However, all of the assets are still under her name. The agent is a New ...
by JoinToday
Sat Jul 07, 2018 11:14 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 6130

Re: Girls and investing

Mademoisellebogleheads wrote:
Sat Jul 07, 2018 11:10 pm
How old should a girl be before she starts to take golf lessons?

7 or 8. The earlier the better
by JoinToday
Sat Jul 07, 2018 10:34 pm
Forum: Investing - Theory, News & General
Topic: Girls and investing
Replies: 115
Views: 6130

Re: Girls and investing

When we look at the roster of all the famous legendary investors in the world, NOT A SINGLE WOMAN. ... Not true: Hetty Green, the Witch of Wall Street: https://en.wikipedia.org/wiki/Hetty_Green edited to add: looks like randomguy already listed her 1. My initial reaction regarding boys and girls is...
by JoinToday
Sat Jul 07, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Gifting Back to Parents
Replies: 14
Views: 1535

Re: Gifting Back to Parents

I don't think your scheme is legal. Whether the IRS catches it is a different question, but it is not strictly legal to give to the other kids, have them give to the parents with the intent to avoid the $15K/person gift limit. Do $60K to the parents/inlaws this year, $60K next year, and $10K the fol...
by JoinToday
Thu Jul 05, 2018 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 13335

Re: What I spent in 6 months on medicare

mhalley wrote:
Thu Jul 05, 2018 7:47 pm
I am 63 and paying 24k a year for HSA bronze plan, plus my wife spent 3 days in the hospital that cost Me 6k. Can't wait for Medicare. Plus about $300 for rx.
I need to join the real world. I am stunned by these prices.
by JoinToday
Thu Jul 05, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 13335

Re: What I spent in 6 months on medicare

$2K in 6 months? x2 for husband & wife, approx x2 for whole year. $8K. Wow. :shock: That is a line item in the budget that I didn't expect. I didn't realize it was so expensive. I had the opposite reaction. I wish I could buy into Medicare. I recently saw the 2019 figures for my ACA plan. My premiu...
by JoinToday
Thu Jul 05, 2018 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: What I spent in 6 months on medicare
Replies: 159
Views: 13335

Re: What I spent in 6 months on medicare

$2K in 6 months? x2 for husband & wife, approx x2 for whole year. $8K. Wow. :shock:

That is a line item in the budget that I didn't expect. I didn't realize it was so expensive.
by JoinToday
Wed Jul 04, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 7428

Re: Walking Coast-to-Coast

That is impressive at any age!

What did you think about when walking, or did you have audio books & podcasts to keep your mind occupied?

a little over 16 miles per day. Very impressive.
by JoinToday
Wed Jul 04, 2018 4:51 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5909

Re: How to tip

FrugalInvestor wrote:
Wed Jul 04, 2018 4:32 pm
I typically tip 15% +/- on the total bill.

If my wife and I split a meal (which we often do) I'll tip as if we purchased two meals. ...
So if you split a $20 meal (including tax), do you tip 15% of the total bill (15% x $20), or do you tip as if it were $40?
by JoinToday
Thu Jun 28, 2018 3:31 am
Forum: Investing - Help with Personal Investments
Topic: suggestions on rebalancing?
Replies: 4
Views: 532

Re: suggestions on rebalancing?

I never sell after tax equity funds to buy after tax bond funds; I never (yet) had to sell after tax equity unless I was doing tax loss harvesting, and I don't buy after tax bond funds due to tax efficiency. Do all your rebalancing in your 401k or rollover IRA. Sell bond funds in your rollover IRA, ...
by JoinToday
Tue Jun 26, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: Gifting trip for inlaws
Replies: 22
Views: 2785

Re: Gifting trip for inlaws

..... Parents were not that comfortable traveling due to fear of the unknown related to the "hows" of traveling ("What do we do if the hotel says they don't have a room for us?") . Ended up buying them a week-long trip to Nashville, an all-inclusive deal arranged by a travel agent. All the activiti...
by JoinToday
Mon Jun 25, 2018 12:17 am
Forum: Personal Finance (Not Investing)
Topic: Compliments for Vanguard?
Replies: 40
Views: 3393

Re: Compliments for Vanguard?

I've had my portfolio in Vanguard for almost 30 years. ..... I've been with Vanguard for over 22 years, ..... I've been with Vanguard since 1982. .... I have been a Vanguard customer for 38 years. .... I am envious when I read the time people have been with VG. And a little painful. While life is g...
by JoinToday
Sun Jun 24, 2018 10:44 pm
Forum: Investing - Help with Personal Investments
Topic: paid financial advisors
Replies: 6
Views: 992

Re: paid financial advisors

I second Taylor's recommendation for Vanguard PAS. You won't have to worry that they are selling some fund for profit reasons, and you won't get jacked with a high ER. PAS give good, solid financial advice. One could argue that it isn't the best advice (with respect to international bonds, and perha...
by JoinToday
Sun Jun 24, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: House seller fudging disclosure re: buried oil tank?
Replies: 36
Views: 4358

Re: House seller fudging disclosure re: buried oil tank?

Disclose to the seller and selling realtor in writing. They have an obligation to be truthful. If the listing / condition is not corrected, let the new buyers know in writing (best before closing so they have some leverage). Lawsuits after the fact are expensive for both parties, but winnable by the...
by JoinToday
Fri Jun 22, 2018 1:27 am
Forum: Personal Consumer Issues
Topic: how to make friends in new location?
Replies: 96
Views: 8891

Re: how to make friends in new location?

jayk, Why do you feel you have to find friends for your wife? ... This is a very rude post. Passive aggressive, condescending, where to begin? I'm not going to dignify it with a proper response. I'm sorry but the original post came across to me as if you needed to make all the decisions for your wi...
by JoinToday
Fri Jun 22, 2018 12:57 am
Forum: Personal Consumer Issues
Topic: 4K Computer Monitors: 27 vs 32 inches?
Replies: 29
Views: 2619

Re: 4K Computer Monitors: 27 vs 32 inches?

I use two 25" 2,560x1,440 monitors. I tried a 30" 4K monitor but the pixel size is too small. 1,920x1,080 isn't quite bit enough for windows which are side by side, but 2,550x1,440 works really well. =) Dual 27"'s on my desk. Life is good. I am not sure if I can go much bigger. 5 foot wide desk. I ...
by JoinToday
Wed Jun 20, 2018 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: help, inheritance of $3.5M, read & read BogleH, & still in the dark
Replies: 33
Views: 4681

Re: help, inheritance of $3.5M, read & read BogleH, & still in the dark

..... I have a market knowledgeable family member that has offered advise. Seems the advise concept is basically 80% in an extremely safe diversified preferred stock portfolio currently paying about 4% annual dividends. Buy a home using a portfolio loan (this family member tells me that's how the b...
by JoinToday
Wed Jun 20, 2018 11:25 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3959

Re: What will (or would) you tip when wages go up?

Now that I am all riled up, there is one other thing: I don't like paying $6 or $7 for a beer (plus 9.5% sales tax :shock: , plus tip. $8 or $9 for a beer worth $1.50? It chaps my hide. I drink water now.
by JoinToday
Wed Jun 20, 2018 11:17 pm
Forum: Personal Consumer Issues
Topic: What will (or would) you tip when wages go up?
Replies: 53
Views: 3959

Re: What will (or would) you tip when wages go up?

Tipping rubs me the wrong way for some reason, especially the cup at the end of a place like subway/jersey mikes's/etc, where I stand in line, give guidance on what I want and pay, or Starbucks when I only order a coffee, or a bar or golf course where someone hands be a beer or hot dog. Having said ...
by JoinToday
Wed Jun 20, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Behind the 8-Ball at 36
Replies: 13
Views: 3335

Re: Behind the 8-Ball at 36

Life comes at you fast. I'm 36 and about to retire from the military after 20 years and recently found out my girlfriend is pregnant and due in Jan 2019. ..... - Will get married and probably have one more child Thanks for any advice you can give me! My initial thought after I read the first few se...
by JoinToday
Wed Jun 20, 2018 9:09 pm
Forum: Investing - Help with Personal Investments
Topic: Advice on using a wealth manager or financial advisor?
Replies: 43
Views: 4687

Re: Advice on using a wealth manager or financial advisor?

.... Thanks for the answer! I spoke to a few attorneys and got some conflicting information. I know that this is not often litigated and where it has active/passive appreciation is taken into account. It would need to be argued, but in the event of a contested divorce the burden is on me to show pa...
by JoinToday
Wed Jun 20, 2018 1:25 am
Forum: Investing - Help with Personal Investments
Topic: Advice on using a wealth manager or financial advisor?
Replies: 43
Views: 4687

Re: Advice on using a wealth manager or financial advisor?

.... I live in a community property state (Cali) and this property is currently separate property (haven't touch it since being married). I'm married, but things are starting to go sour (we're working on it). Regardless, I wanted to think about keeping this separate if it comes to it. To those that...
by JoinToday
Tue Jun 19, 2018 5:34 pm
Forum: Personal Finance (Not Investing)
Topic: I don't trust my own estimate of expenses
Replies: 29
Views: 2618

Re: I don't trust my own estimate of expenses

For me EVERYTHING is paid through my one checking account. I just pulled 24 months of statements from the bank and summed the debits. Gave a pretty good picture. Dottie57 is showing the right/easiest/most accurate way to do it. This is what I do: a. download the year's transactions from my checking...