Search found 211 matches

by metalworking
Sat Mar 28, 2020 5:26 pm
Forum: Personal Finance (Not Investing)
Topic: How are you going to use your stimulus money?
Replies: 217
Views: 11181

Re: How are you going to use your stimulus money?

saving it for medical expenses as we have HDHP. At this rate we look very likely to need it.
by metalworking
Wed Mar 25, 2020 2:54 pm
Forum: Investing - Theory, News & General
Topic: So bottom is probably behind us....right?
Replies: 435
Views: 29905

Re: So bottom is probably behind us....right?

You are always one headline away from a massive rally or a massive sell off! I hope we have bottomed already but doubt it.
by metalworking
Sun Mar 22, 2020 5:19 pm
Forum: Investing - Theory, News & General
Topic: VMFXX Money Market- Safe? Insured? or go with FDIC insured?
Replies: 7
Views: 475

Re: VMFXX Money Market- Safe? Insured? or go with FDIC insured?

Doubt it will last long but Discover savings account is 1.5% and 12 month CD 1.75%. Not sure of the advantage of staying in VMFXX unless convenience is a factor
by metalworking
Sun Mar 22, 2020 1:10 pm
Forum: Investing - Theory, News & General
Topic: It's Not Different This Time
Replies: 335
Views: 29018

Re: It's Not Different This Time

With respect, there is no way you can know at this point whether this time is different or not. I agree most of the time “this” time has not been different. There is always risk and a non-zero chance of loss. Perhaps a better title would be “most likely this time is not different.” If it is differe...
by metalworking
Thu Mar 19, 2020 7:25 am
Forum: Personal Finance (Not Investing)
Topic: High Interest Saving Accounts
Replies: 11
Views: 862

Re: High Interest Saving Accounts

Discover 1.5% for now
by metalworking
Wed Mar 18, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: Coronavirus (Consumer Issues) How you are preparing?
Replies: 1453
Views: 111494

Re: Do you sanitize your groceries? COVID-19

it may last longer on surfaces in colder and more humid conditions per the things i am reading
by metalworking
Tue Mar 17, 2020 11:36 am
Forum: Personal Consumer Issues
Topic: If I get coronavirus, how can I protect the rest of my household?
Replies: 14
Views: 1009

Re: If I get coronavirus, how can I protect the rest of my household?

You answered your own question in your first sentence. By the time you develop symptoms, everyone in your house has already been exposed. Again this is probably correct that they already have it but I will be trying to reduce the viral load they are exposed to by still having them take precautions....
by metalworking
Tue Mar 17, 2020 11:19 am
Forum: Personal Consumer Issues
Topic: If I get coronavirus, how can I protect the rest of my household?
Replies: 14
Views: 1009

Re: If I get coronavirus, how can I protect the rest of my household?

probably to late by then but I would consider hotel room or downstairs in the basement. If caring for someone and i have to enter the room I intend to mask, use my pull down clear shop visor (in case they cough on me) and have specific clothes i intend to wear into the room and leave in the room. I ...
by metalworking
Mon Mar 16, 2020 7:29 pm
Forum: Personal Investments
Topic: Anyone Rebalancing Today, 3/16/20?
Replies: 36
Views: 2134

Re: Anyone Rebalancing Today, 3/16/20?

Yeah, I just did an after hours rebalance. I suppose it won't happen until after hours tomorrow.... This is the hard part for me. If I rebalance in my 401k, and the order goes in after 3pm ET, it gets executed after the close of the following day. I just did rebalance on Friday (I hit my IPS rebala...
by metalworking
Mon Mar 16, 2020 6:47 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 419
Views: 33610

Re: How to get Toilet Paper ? seriously.

local construction porta potty :happy
by metalworking
Mon Mar 16, 2020 4:02 pm
Forum: Personal Consumer Issues
Topic: Thinking I should go car shopping amidst the panic
Replies: 99
Views: 9176

Re: Thinking I should go car shopping amidst the panic

TomatoTomahto wrote:
Mon Mar 16, 2020 12:41 pm
What do you think?
I think I’ll have to check with my manager.
Bravo
by metalworking
Sun Mar 15, 2020 5:53 pm
Forum: Investing - Theory, News & General
Topic: vanguard prime money market [FDIC insured alternatives?]
Replies: 26
Views: 1774

Re: vanguard prime money market [FDIC insured alternatives?]

I have 130k in the same fund, so now I started to panic too. I found this site: https://investor.vanguard.com/investing/account-protection Which seems to me that there is SIPC protection, which is up to 500k, if I am reading this right. that's interesting if it means what i think it means. I didn't...
by metalworking
Fri Mar 13, 2020 3:31 pm
Forum: Personal Investments
Topic: I really hope...
Replies: 16
Views: 1144

Re: I really hope...

I cant win. I did my first tax loss harvest right before the market shot up. I have been trying to dump my last active fund for years and finally got a chance. I suspect I ended up with a "tax break even" more than a "tax loss". Isn't that a good thing? Bigger loss to claim, but still the same amou...
by metalworking
Fri Mar 13, 2020 3:13 pm
Forum: Personal Investments
Topic: I really hope...
Replies: 16
Views: 1144

Re: I really hope...

I cant win. I did my first tax loss harvest right before the market shot up. I have been trying to dump my last active fund for years and finally got a chance. I suspect I ended up with a "tax break even" more than a "tax loss".
by metalworking
Wed Mar 11, 2020 12:28 pm
Forum: Investing - Theory, News & General
Topic: Any 50+ year olds buying?
Replies: 53
Views: 3834

Re: Any 50+ year olds buying?

I am getting to the point where i can sell some of my old active mutual funds that i haven't contributed to for years and not face significant taxable gains. I will move them into total stock market index fund. I must admit i am tempted to hold the funds in a money market account until S&P hits 2500...
by metalworking
Wed Mar 04, 2020 12:18 pm
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 183925

Re: Coronavirus and the market

A significant portion of those 20% that do need some medical attention won’t die ... hence, the hysteria is ridiculous. 98/100 would live, 80/100 people would feel “fine”, and the 2 that died were either elderly or had other health ailments that would’ve made them just as susceptible to dying from ...
by metalworking
Wed Mar 04, 2020 11:42 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 183925

Re: Coronavirus and the market

I'm sure this will lead to a big bad scary number of "new cases" while the media completely disregards the fact 8/10 cases are so mild the people barely knew they had it in the first place ... dun dun dun ! This is exactly what makes it so dangerous. Some of those mild cases won't quarantine themse...
by metalworking
Wed Mar 04, 2020 11:00 am
Forum: US Chapters
Topic: [Archived] Bogleheads community discussion - Coronavirus
Replies: 4963
Views: 183925

Re: Coronavirus and the market

I'm a physician, but I just work in the basement on nights and weekends, so take this with a grain of salt. I approach this from the standpoint that I will contract the virus this year. 100%. No doubt. I truly wonder whether the harm from the hysteria is greater than the harm from the illness. Give...
by metalworking
Tue Mar 03, 2020 2:26 pm
Forum: Investing - Theory, News & General
Topic: Coronavirus and the market
Replies: 3855
Views: 278680

Re: Coronavirus and the market

Yes, and I believe China finally allowed some CDC personnel into the country, as well. I hope they are able to release information freely... From March 3rd NY Times : WASHINGTON — The Trump administration said on Monday that nearly a million tests could be administered for the coronavirus in the Un...
by metalworking
Tue Mar 03, 2020 9:23 am
Forum: Investing - Theory, News & General
Topic: "Here We Go Again!"
Replies: 32
Views: 7005

Re: "Here We Go Again!"

Excellent article. Sending this to my daughter,
by metalworking
Mon Feb 24, 2020 1:16 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 18197
Views: 2566029

Re: U.S. stocks in free fall

Maybe I should actually think about writing my first will. If the virus becomes pandemic, the first thing to worry about is to stay alive. The mortality rate has been 2%. I can't bring myself to say "only" 2%. And for flu it's in the ballpark of 5 per 100,000 so this is hundreds of times more deadl...
by metalworking
Fri Feb 07, 2020 1:20 pm
Forum: Investing - Theory, News & General
Topic: What bonds are you buying?
Replies: 71
Views: 4537

Re: What bonds are you buying?

Does it make sense to use bonds in taxable account to pay off your mortgage since the yield is so much lower then mortgage interest ? Yes. What consideration should be given to bond returns? I find it hard not to be stressed about even relatively small differences in bond/fixed income returns. As t...
by metalworking
Fri Feb 07, 2020 12:08 pm
Forum: Investing - Theory, News & General
Topic: What bonds are you buying?
Replies: 71
Views: 4537

Re: What bonds are you buying?

Does it make sense to use bonds in taxable account to pay off your mortgage since the yield is so much lower then mortgage interest ? Yes. What consideration should be given to bond returns? I find it hard not to be stressed about even relatively small differences in bond/fixed income returns. As t...
by metalworking
Sat Feb 01, 2020 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Insufficient assets in an estate - What to do?
Replies: 25
Views: 3339

Insufficient assets in an estate - What to do?

[Moved into a new thread from: Recent passed parent had Vanguard TOD and will. What now? --admin LadyGeek]

As usual i am confused. If a TOD occurs what if the estate can't cover its liabilities. Wouldn't that money be able to be pulled back to the estate
by metalworking
Wed Jan 22, 2020 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: 403B transfer to IRA. Error?
Replies: 3
Views: 281

Re: 403B transfer to IRA. Error?

Calling Vanguard might not have helped. I called vanguard last year about rolling over my company 403b from fidelity. The rep told me to have fidelity cut the check to me and then mail it in. She also told me I could roll over my non governmental 457b. Luckily I knew both the things were wrong. Afte...
by metalworking
Sun Jan 19, 2020 12:36 pm
Forum: Personal Investments
Topic: Non governmental 457b plan distribution question
Replies: 6
Views: 283

Re: Non governmental 457b plan distribution question

thanks. That is what i was wondering. If i can pay taxes on it and then put it into a Roth IRA. I just received my W2 and the money is reported in box 1 and box 11 of my W2. I thought unearned income was not reported on W2 Earned income for IRA contribution purposes requires subtracting Box 11 from...
by metalworking
Sun Jan 19, 2020 12:16 pm
Forum: Personal Investments
Topic: Non governmental 457b plan distribution question
Replies: 6
Views: 283

Re: Non governmental 457b plan distribution question

thanks. That is what i was wondering. If i can pay taxes on it and then put it into a Roth IRA. I just received my W2 and the money is reported in box 1 and box 11 of my W2. I thought unearned income was not reported on W2
by metalworking
Sun Jan 19, 2020 11:56 am
Forum: Personal Investments
Topic: Non governmental 457b plan distribution question
Replies: 6
Views: 283

Non governmental 457b plan distribution question

I received my first 457b distribution in 2019 after leaving a company. I know it cannot be rolled over as it is a non governmental plan. Does this non qualified plan distribution allow me to put it in a Roth IRA? I figure the answer is no but can't find the answer specifically for Roth.
thanks
by metalworking
Sun Dec 15, 2019 11:08 am
Forum: Personal Investments
Topic: New I Bond Fixed rate .20%
Replies: 10
Views: 2016

Re: New I Bond Fixed rate .20%

Tax exempt bond interest is included in the MAGI for PTC purpose. From healthcare.gov: “The figure used to determine eligibility for premium tax credits and other savings for Marketplace health insurance plans and for Medicaid and the Children's Health Insurance Program (CHIP). MAGI is adjusted gro...
by metalworking
Mon Dec 09, 2019 5:54 pm
Forum: Personal Investments
Topic: Can i retire?
Replies: 48
Views: 4828

Re: Can i retire?

If you are not at the point where you can't take another day I might wait a bit. By the end of this year the 5th circuit court should have ruled on the ACA and if it goes to the supreme court that should be settled by next year. It would at least give you some more info on what your healthcare optio...
by metalworking
Sat Nov 30, 2019 3:07 pm
Forum: Investing - Theory, News & General
Topic: How to define enough?
Replies: 73
Views: 10304

Re: How to define enough?

Enough is when you are no longer effective (and no longer care to be effective) in your job and your attitude is affecting yourself and other people. You may not have enough money to completely retire at that time but it is time for you to say "enough". I'm not sure what this means. Are you saying ...
by metalworking
Sat Nov 30, 2019 12:45 pm
Forum: Investing - Theory, News & General
Topic: How to define enough?
Replies: 73
Views: 10304

Re: How to define enough?

Enough is when you are no longer effective (and no longer care to be effective) in your job and your attitude is affecting yourself and other people. You may not have enough money to completely retire at that time but it is time for you to say "enough".
by metalworking
Thu Nov 28, 2019 11:26 am
Forum: Personal Consumer Issues
Topic: What Items Are You Targeting for Black Friday Sales?
Replies: 95
Views: 8182

Re: What Items Are You Targeting for Black Friday Sales?

ychuck46 wrote:
Thu Nov 28, 2019 10:44 am
HoosierJim wrote:
Wed Nov 27, 2019 11:15 am
Hulu will probably offer the $1 / month deal like last year. Definitely worth $1 / month.
Just got an email this AM. Offering $1.99 for the next 12 months.
I cant find anything on the length of contract. Can i cancel anytime or is it a 2 year contract?
by metalworking
Tue Nov 26, 2019 3:20 pm
Forum: Personal Investments
Topic: vanguard total stock market with realized capital losses?
Replies: 3
Views: 345

Re: vanguard total stock market with realized capital losses?

thanks for that. I don't pretend to understand how it works but it sounds like your saying that I wont have any losses from this mutual fund to offset. Bummer.
:beer
by metalworking
Tue Nov 26, 2019 3:07 pm
Forum: Personal Investments
Topic: vanguard total stock market with realized capital losses?
Replies: 3
Views: 345

vanguard total stock market with realized capital losses?

I was just trying to look at numbers before the end of the year. It says that Vanguard total stock market has a realized of -0.62 as of 10/31. Does this mean we will have some capital losses this year on the fund? I wasn't aware that total stock market had capital gains/losses. thanks
by metalworking
Thu Oct 31, 2019 5:10 pm
Forum: Personal Consumer Issues
Topic: Upright Piano, cross country move
Replies: 8
Views: 848

Re: Upright Piano, cross country move

Make sure it is insured for replacement value with the movers. Professional moving company wrapped it in good condition. Apparently at a holding warehouse is where the queen Ann leg was ripped off (lady said warehouse didn't think they were screwed on) and I am sure it was dropped by the other signs...
by metalworking
Sun Oct 06, 2019 10:51 am
Forum: Personal Consumer Issues
Topic: Kayaking & Fisherman - What is proper etiquette?
Replies: 33
Views: 4117

Re: Kayaking & Fisherman - What is proper etiquette?

You were in error. The appropriate response was to firmly strike the paddle on the water 3 times. This is to acknowledge you have heard his concern. I am a shore fisherman and find nothing wrong with what you did.
by metalworking
Sat Sep 28, 2019 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: How to lookup healthcare.gov reported MAGI ?
Replies: 13
Views: 1437

Re: How to lookup healthcare.gov reported MAGI ?

Yes, that notice had the precise amount or in my case, a target that I will match. Thank you. 2019 is my first year on the ACA. You seem to have several years of experience using it. Can you explain why it is important to track the amount you estimated as your income when you filed the application?...
by metalworking
Sun Jun 02, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: "Fishing" Shirt Recommendations
Replies: 18
Views: 1603

Re: "Fishing" Shirt Recommendations

Sounds crazy to wear a hoodie, but these are incredibly cool and keep your neck and ears out of the sun. Combined with a ball cap you only need a bit of sunscreen on your face. https://www.amazon.com/Columbia-Terminal-Tackle-Hoodie-Collegiate/dp/B01GS9SI0K/ref=mp_s_a_1_3?keywords=fishing+hoodie&qid...
by metalworking
Sun Mar 31, 2019 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Estimating long term capital gains for mutual fund
Replies: 10
Views: 1158

Re: Estimating long term capital gains for mutual fund

thanks everyone. I was thinking that if primecap core had a 53 cent capital gain already as of end of february it might be another big year. It is really messing with my ability to predict my MAGI for ACA and i am looking for a way to get at least a guess of how big the distribution will be. I wish ...
by metalworking
Sun Mar 31, 2019 8:47 am
Forum: Personal Finance (Not Investing)
Topic: Estimating long term capital gains for mutual fund
Replies: 10
Views: 1158

Estimating long term capital gains for mutual fund

I own vanguard primecap core in a taxable account. the 2018 capital gain was signficantly increased over 2017. I have been trying to see if mutual funds have to report the sale of stocks as they occur throughout the year so that i can at least guess my minimum taxable gain. I came across this table ...
by metalworking
Sun Mar 24, 2019 5:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tax time Question
Replies: 2
Views: 331

Tax time Question

our daughter is a full time student and has a full ride scholarship including room and board so we essentially pay only for health and car insurance during the school year. she had a lucrative summer job making over $20000 and paid for her own room and board (again except insurance). Are we allowed ...
by metalworking
Tue Mar 05, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: Snowblowers
Replies: 44
Views: 2373

Re: Snowblowers

Love our EGO and it has been used a lot this year.
by metalworking
Sun Feb 03, 2019 10:26 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 699
Views: 56379

Re: Larry Swedroe returns

Taylor Larimore wrote:
Sun Feb 03, 2019 10:15 pm
Bogleheads:

I am happy to see Larry Swedroe has returned to this forum with a valuable and informative post.

Best wishes
Taylor
Agreed. Great to hear from him.
by metalworking
Sun Feb 03, 2019 1:03 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: 3% is the new 4%
Replies: 699
Views: 56379

Re: Larry Swedroe: 3% is the new 4%

I will take one more crack at this and if Larry Swedroe thinks I am a blithering idiot, so be it. Something changed in American business after the 2008-2009 financial crisis and bear market. As I have interviewed for jobs, it has occurred to me that though labor is still very valuable, that it is l...
by metalworking
Sun Jan 20, 2019 6:57 pm
Forum: Personal Investments
Topic: Retired - One paycheck in 2019 - Roth IRA?
Replies: 16
Views: 1152

Re: Retired - One paycheck in 2019 - Roth IRA?

Sorry I screwed up. But I was thinking that with such low income, you would not be paying taxes on a Roth nor a Roth conversion and that led me astray. Thanks for the clarification, livesoft. (Un)fortunately, I have interest/dividend income that will put me very close the ACA cliff already when the...
by metalworking
Mon Jan 14, 2019 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan for non dependent daughter
Replies: 2
Views: 296

Re: 529 plan for non dependent daughter

It likely would have been better for her to have received the distribution. The taxable portion of the distribution would have been taxed at her most likely lower marginal tax rates. I just have to laugh. From now on any financial decision requires approval by a boglehead. I didn't even think about...
by metalworking
Mon Jan 14, 2019 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: 529 plan for non dependent daughter
Replies: 2
Views: 296

529 plan for non dependent daughter

May have screwed up here. Daughter is in final year of college and will not be our dependent for tax purposes. We withdrew and had sent to our checking the last of 529 funds (she is beneficiary and we are account owner). Since she has a full ride scholarship we were planning to pay the taxes on gain...
by metalworking
Fri Jan 11, 2019 10:10 am
Forum: Personal Investments
Topic: Is it time to go shorter in bonds ?
Replies: 115
Views: 9826

Re: Is it time to go shorter in bonds ?

This thread was started in August 31, 2018, so now about 4 months later we can see what the answer should have been at least for this time range. Here is a chart of the total return of 3 Vanguard fixed income funds: VBTLX Total US Bond Index VSCSX Short-term corporate bond index VMMXX Prime Money M...