Search found 107 matches

by blackburnian
Thu Jan 02, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: Is volunteering worth the hassle?
Replies: 98
Views: 7865

Re: Is volunteering worth the hassle?

Most important, in my experience, is to find a cause you really care about and where you can have some independence. I loved teaching English to immigrants (and will do it more when I retire). The overall program was underfunded, the paid staff were poorly trained, and the materials were bad, so tha...
by blackburnian
Fri Jul 12, 2019 9:43 am
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 8801

Re: Has anyone inherited a obligation/burden/responsibility?

Some of these papers/photos/clothes do have value for future historians if no one in the family wants them. You can try a local historical society or a national organization such as the VA for papers relating to military service (https://www.loc.gov/vets/), for example. Companies and universities ha...
by blackburnian
Thu Jul 11, 2019 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone inherited a obligation/burden/responsibility?
Replies: 76
Views: 8801

Re: Has anyone inherited a obligation/burden/responsibility?

Very timely thread. I have inherited a large number of family heirlooms, papers, and photos, many of which have considerable historical value. I've just moved into a larger apt. and moved the boxes in with me (from a storage unit) so that I will be forced to do something with them. My sibling and I ...
by blackburnian
Fri Jul 05, 2019 9:45 am
Forum: Investing - Theory, News & General
Topic: Bond ETFs are in RBD mode
Replies: 12
Views: 1681

Re: Bond ETFs are in RBD mode

Thanks for the tip.
by blackburnian
Fri Jun 21, 2019 5:34 pm
Forum: Personal Consumer Issues
Topic: Are you a member of nextdoor.com? Any concerns registering your info?
Replies: 71
Views: 6803

Re: Are you a member of nextdoor.com? Any concerns registering your info?

I like it. Recently I got rid of two large items that couldn't go to Goodwill and I didn't want to throw out, hired a couple of guys to move furniture for me (all my friends have bad backs), and found someone to pick up an old hot water heater (free).
by blackburnian
Sun Apr 21, 2019 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: First Time Home Buyer Tips
Replies: 32
Views: 2279

Re: First Time Home Buyer Tips

Some parts of Boston are such hot sellers' markets that every property gets multiple offers over asking, and the accepted offer is often cash with no contingencies. I think it's crazy to forgo inspection contingency, but lots of people do. One thing you can do to stay in the running is to say (in th...
by blackburnian
Mon Apr 15, 2019 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: credit on home purchase: take off sale price or closing costs?
Replies: 6
Views: 408

Re: credit on home purchase: take off sale price or closing costs?

Thanks for quick replies. Joeretire: they accepted my first offer with inspection contingency, inspection found some repairs needed, I negotiated a credit, they accepted.
by blackburnian
Mon Apr 15, 2019 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: credit on home purchase: take off sale price or closing costs?
Replies: 6
Views: 408

credit on home purchase: take off sale price or closing costs?

I just had an offer accepted on a condo today (thanks to Bogleheads who helped me decide I could afford it), and the owners agreed to $5000 credit for needed repairs. It is a cash sale. I can either have the purchase price decreased by $5000 or have that amount go toward closing costs. Which would b...
by blackburnian
Mon Apr 15, 2019 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: How much can I spend on a house?
Replies: 23
Views: 4488

Re: UPDATE: How much can I spend on a house?

In case anyone is wondering how this came out: I had my offer accepted today. Thanks to everyone for helping me decide that I could afford this place.
by blackburnian
Sun Apr 14, 2019 8:17 am
Forum: Personal Finance (Not Investing)
Topic: UPDATE: How much can I spend on a house?
Replies: 23
Views: 4488

Re: UPDATE: How much can I spend on a house?

Thanks, FoolMeOnce. I should clarify that the income listed is gross. I will edit post. So indeed I am withdrawing about $40,000/yr now (still as you say, a small fraction of my portfolio). It's good to have a yea vote. Any other yeas or nays welcome.
by blackburnian
Sat Apr 13, 2019 10:58 pm
Forum: Personal Finance (Not Investing)
Topic: UPDATE: How much can I spend on a house?
Replies: 23
Views: 4488

Re: How much can I spend on a house?

UPDATE I am the OP, still house-hunting. I have found a condo I like now and am wondering (again) if it is too expensive. My numbers have changed a little from when I first posted, so I am updating. The condo is $635,000. I would pay cash (prefer not to have a mortgage). (Large carryover losses mea...
by blackburnian
Fri Apr 05, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Selling Breast Milk - 1099-MISC SCH C or Line 21?
Replies: 40
Views: 3995

Re: Selling Breast Milk - 1099-MISC SCH C or Line 21?

I had a similar situation with royalties from a book, after I had stopped being a writer and had a regular job. Turbotax wanted me to put it on Schedule C but somehow (I can't remember how anymore) I managed to enter it where it belonged, under "other income." I did this for several years and never ...
by blackburnian
Wed Mar 20, 2019 6:41 am
Forum: Personal Finance (Not Investing)
Topic: royalty income from self publishing
Replies: 4
Views: 667

Re: royalty income from self publishing

I just had my taxes done by a professional, and she put my book royalty income on Schedule 1 (Additional Income and Adjustments to Income), line 21 ("other income") and wrote in "royalties" after the arrow. (Like you, I am no longer working as a professional writer, so Schedule C is inappropriate.) ...
by blackburnian
Wed Feb 27, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Staying in Brooklyn- Recommendations
Replies: 18
Views: 1176

Re: Staying in Brooklyn- Recommendations

We stayed in the Franklin Guesthouse in Greenpoint last time we went to NYC. Big rooms, great neighborhood, near subway (and ferry!) to Manhattan. Recommended. https://franklinguesthouse.com/
by blackburnian
Tue Feb 12, 2019 2:29 pm
Forum: Personal Consumer Issues
Topic: Need help with frequent week-long stays in Boston over next 18 mos
Replies: 68
Views: 3586

Re: Need help with frequent week-long stays in Boston over next 18 mos

If you're still thinking of buying and renting out your unit as an airbnb, be aware that Boston just passed new regulations on short-term rentals:
https://www.boston.gov/departments/insp ... rm-rentals
by blackburnian
Sat Feb 09, 2019 8:27 am
Forum: Personal Consumer Issues
Topic: Car Rental in Mexico
Replies: 37
Views: 3335

Re: Car Rental in Mexico

When we went to Tulum we rented a car from the Cancun airport with a Mexican company, easyway: https://easywayrentacar.com/ Rental was easy and car was fine; rates were lower than with the big American companies. We enjoyed driving to Vallodilad, an interesting inland town, and the ruins at Coba. Th...
by blackburnian
Sun Feb 03, 2019 9:59 pm
Forum: Personal Investments
Topic: Asset Allocation and Trad TIAA
Replies: 6
Views: 634

Re: Asset Allocation and Trad TIAA

I asked a similar question recently and got some helpful replies:
viewtopic.php?f=1&t=268741&p=4304117#p4304117
by blackburnian
Thu Jan 10, 2019 1:24 pm
Forum: Personal Consumer Issues
Topic: Good bags/containers for packing snacks?
Replies: 17
Views: 1055

Re: Good bags/containers for packing snacks?

I use wax sandwich bags: https://www.amazon.com/Reynolds-Cut-Rite-Paper-Sandwich-Count/dp/B00KQVYPPE or https://www.amazon.com/CARE-Unbleached-Sandwich-Bags-Count/dp/B003BONV2G/ref=pd_lpo_vtph_bs_lp_t_1?_encoding=UTF8&psc=1&refRID=PCG4B2Z0MQ6KXCJXXQBP You can put them inside a plastic bag if the sna...
by blackburnian
Sun Jan 06, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: travel to UK and Brexit
Replies: 8
Views: 790

travel to UK and Brexit

I'm considering a trip to the UK (from the US) at the end of March 2019. A Polish friend tells me not to go because there will be chaos around Brexit time (UK scheduled to leave on Mar. 29). Thoughts (esp from UK Bogleheads)?
by blackburnian
Sun Jan 06, 2019 11:11 am
Forum: Personal Investments
Topic: TIAA traditional and asset allocation conundrum
Replies: 7
Views: 710

Re: TIAA traditional and asset allocation conundrum

Thank you Wizard, jmk, and Spinola. I don't know much about liability matching but I see there are numerous BH threads, so I will check it out. Appreciate the help.
by blackburnian
Sat Jan 05, 2019 8:33 am
Forum: Personal Investments
Topic: TIAA traditional and asset allocation conundrum
Replies: 7
Views: 710

Re: TIAA traditional and asset allocation conundrum

» Sat Jan 05, 2019 9:28 am I suggest you change your mind and decide that you need more equities now. Go with 60/40. And still count your TIAA as part of your fixed income allocation. Thanks, livesoft. Then at 65 once the TIAA trad has become an annuity, would I just change my AA to whatever it bec...
by blackburnian
Sat Jan 05, 2019 8:23 am
Forum: Personal Investments
Topic: TIAA traditional and asset allocation conundrum
Replies: 7
Views: 710

TIAA traditional and asset allocation conundrum

I’m looking for help on how to set and adjust my asset allocation, taking into account the fact that all my retirement money is in TIAA traditional, which I plan to annuitize in 4 years when I retire at 65. I set up my portfolio (total about 1.5 M) just recently after a large inheritance. I currentl...
by blackburnian
Tue Jan 01, 2019 8:31 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5054
Views: 1297362

Re: What Movie Have You Recently Watched?

"Roma": beautiful and moving film. I saw it in a theater, which I recommend because there are many visually arresting scenes that might not be as impressive when seen on a small screen.
by blackburnian
Sat Dec 29, 2018 9:17 am
Forum: Personal Finance (Not Investing)
Topic: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"
Replies: 94
Views: 13231

Re: PhysicianOnFire blog: "Tax Loss Harvesting with Vanguard: A Step by Step Guide"

greenbogle wrote: ↑Wed Dec 26, 2018 3:59 pm Reason I asked to see if any one has experience doing TLH with TIAA-CREF is (1) "Currently, TIAA doesn’t offer tax-loss harvesting." https://smartasset.com/financial-adviso ... lio-Review (2) TLH is available only for those who select Client Preference as...
by blackburnian
Sun Dec 23, 2018 10:07 pm
Forum: Investing - Theory, News & General
Topic: Sell lots with losses or with gains?
Replies: 4
Views: 475

Re: Sell lots with losses or with gains?

Many thanks! That's what I'll do, then.
by blackburnian
Sun Dec 23, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Sell lots with losses or with gains?
Replies: 4
Views: 475

Sell lots with losses or with gains?

I want to rebalance from one of my bond funds to a stock fund. I have multiple lots in the bond fund, some with losses and some with gains. Which lots should I sell? --If I sell the lowest cost basis lots, those with gains, it seems like I am making money (I am selling lots for more than I bought th...
by blackburnian
Tue Dec 18, 2018 10:54 am
Forum: Personal Investments
Topic: Invested a lump sum a few weeks ago..
Replies: 31
Views: 2905

Re: Invested a lump sum a few weeks ago..

I did the same. Bought 500 shares of VTI (total US index) in late September, at almost the exact peak. Have since tax-loss harvested, so at least I got something out of it.
by blackburnian
Mon Dec 17, 2018 1:21 pm
Forum: Personal Investments
Topic: qualified dividends and TLH
Replies: 4
Views: 232

Re: qualified dividends and TLH

Livesoft: Yes, thanks, according to the Vanguard list, the dividend is 80% qualified.

Mhalley: Thanks--it is not reinvested but will go into my settlement fund (tomorrow, I believe).

Appreciate the help.
by blackburnian
Mon Dec 17, 2018 12:59 pm
Forum: Personal Investments
Topic: qualified dividends and TLH
Replies: 4
Views: 232

qualified dividends and TLH

I'm trying to clarify the 60-day timeframe for holding a fund in order to keep the dividend qualified. IRS rule says "You must have held the stock for more than 60 days during the 121-day period that begins 60 days before the ex-dividend date." I bought VIOV (Vg small cap index) on 10/15/18. The ex-...
by blackburnian
Wed Dec 12, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12587
Views: 2180213

Re: U.S. stocks in free fall

How do you spell "free fall"? That's what dictionaries are for. The American Heritage Dictionary, Merriam Webster's, and the Oxford English Dictionary all spell it with a space (with "freefall" as an alternative spelling in AHD). (If used as an adjective, though, it would have a hyphen.) Here's MW's...
by blackburnian
Wed Dec 12, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: So Much Red [in cost basis of taxable accounts]
Replies: 26
Views: 2725

Re: So Much Red

imareal1 »

. . . assuming most people on this forum are only somewhere in the middle of their working career . . .
I think your assumption is wrong.
by blackburnian
Thu Dec 06, 2018 10:53 am
Forum: Investing - Theory, News & General
Topic: Who else is getting excited? [about the market]
Replies: 145
Views: 14035

Re: Who else is getting excited?

Starchild wrote: ↑Thu Dec 06, 2018 7:35 am
I lost a lot of money this year. That's not exciting.
Same here. I lump summed a large amount in late September, when total stock (VTI) was 150. Today it's 135. I am not excited.
by blackburnian
Tue Nov 20, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12587
Views: 2180213

Re: U.S. stocks in freefall

Looking on the bright side, yesterday morning I sold all my VTI (total stock market) shares with losses and bought VV (large cap index). At the end of the day I sold all the VV, for another substantial loss. Today I will TLH into VOO (S&P 500) at lower price, assuming the drop continues. Then maybe ...
by blackburnian
Sun Nov 04, 2018 8:59 am
Forum: Investing - Theory, News & General
Topic: How low can BND go?
Replies: 65
Views: 8304

Re: How low can BND go?

I am also confused by the guideline to match bond duration with time when the money is needed. Let's say you buy a bond fund with 5-year bonds because you need the money in 5 years. Interest rates are increasing, so the price is going down but dividends are going up. I think the idea is that you kee...
by blackburnian
Fri Nov 02, 2018 2:15 pm
Forum: Personal Consumer Issues
Topic: Fine Dining Cape Cod
Replies: 14
Views: 1473

Re: Fine Dining Cape Cod

PB Boulangerie, in S. Wellfleet, has stupendous croissants and other pastries (some of the best I have had outside Paris).

I have eaten at Brewster Fish House & liked it; but that was several years ago.
by blackburnian
Fri Oct 26, 2018 9:55 am
Forum: Personal Investments
Topic: Another TLH question
Replies: 2
Views: 299

Re: Another TLH question

With the caveat that I am not an expert, let me try to reply: I am looking to sell VEU in the following lots: A) 6/20/17 a $502 loss B) 8/10/17 at a $900 loss C) 10/1/18 at a $200 loss My questions are this: 1) Because I purchased (via automatic re-invested dividend) on 10/1/18 does this stop me fro...
by blackburnian
Fri Oct 26, 2018 8:03 am
Forum: Personal Investments
Topic: TLH recent lots < 30 days after purchase
Replies: 14
Views: 809

TLH recent lots < 30 days after purchase

Bogleheads, I apologize for asking a question that I'm sure has been answered numerous times. However I have not been able find the relevant threads. The question is: If I have bought several lots of a fund and want to sell the last two or three, which have losses, can I do so without triggering a w...
by blackburnian
Mon Oct 15, 2018 9:12 am
Forum: Personal Consumer Issues
Topic: How do you buy a mattress ?
Replies: 31
Views: 2777

Re: How do you buy a mattress ?

One thing to consider is if you care about the toxic chemicals (such as fire retardants) that are in many mattresses. If you look for one without these chemicals, you will have fewer choices, which can be a good thing. Some nontoxic mattresses are pricey, but futons are not that expensive.
by blackburnian
Fri Oct 12, 2018 1:04 pm
Forum: Personal Investments
Topic: buy and sell (TLH) before opening
Replies: 6
Views: 651

Re: buy and sell (TLH) before opening

livesoft » Thu Oct 11, 2018 9:25 am Geez, it's only 6 minutes to the market open, so if you had time to post on bogleheads.org, then you have time to make these trades. :) I had a meeting at 9:30. It was delayed, so I made the trade just after opening. Now I already have another $1,000 of losses to...
by blackburnian
Thu Oct 11, 2018 8:23 am
Forum: Personal Investments
Topic: buy and sell (TLH) before opening
Replies: 6
Views: 651

Re: buy and sell (TLH) before opening

Thanks for quick replies. I was planning to estimate amounts. But I think I will hold off and assume that my loss will not evaporate today.
by blackburnian
Thu Oct 11, 2018 5:52 am
Forum: Personal Investments
Topic: buy and sell (TLH) before opening
Replies: 6
Views: 651

buy and sell (TLH) before opening

I want to sell an international ETF today and buy another one for tax loss harvesting. But I will be busy all day, after the market opens. Is there anything wrong with submitting orders before opening? I know there have been discussions on here about the opening cross price, but I am just wondering ...
by blackburnian
Wed Oct 10, 2018 7:43 pm
Forum: Personal Investments
Topic: What did you buy today
Replies: 119
Views: 9921

Re: What did you buy today

VTI. I had cash to invest and this seemed like a good day to do it.
by blackburnian
Wed Oct 10, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard website problems [Transactions won't go through, 500 error...]
Replies: 106
Views: 6913

Re: Vanguard website today

I was able to place an online order about 10 minutes ago (11:30).
by blackburnian
Sun Sep 23, 2018 11:43 am
Forum: Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 55
Views: 5379

Re: Tax Loss Harvest (TLH) VWIUX

Can someone point out where in the Vanguard prospectus (for VWIUX and VWLUX) does it say that the dividend is: (a) daily-accured, and (b) monthly paid? Alphaless: On p. 270 of the April 30, 2018 semiannual report on Vanguard Municipal Bond Funds, under "Notes to Financial Statements" for VWIUX, it ...
by blackburnian
Tue Sep 11, 2018 2:34 pm
Forum: Personal Investments
Topic: Unwinding long term investments
Replies: 6
Views: 1006

Re: Unwinding long term investments

You can turn off automated reinvestment online. In your Vanguard account home page, go to "more account information," "trading profile," "account dividend and capital gains election," and choose "transfer to settlement fund."
by blackburnian
Tue Sep 11, 2018 8:04 am
Forum: Personal Investments
Topic: Pre-retirement portfolio and plans; how am I doing?
Replies: 6
Views: 1224

Re: Pre-retirement portfolio and plans; how am I doing?

@ExitStageLeft: Thanks for the tip! At my workplace I just chose "maximum contribution," but I should check and see if they are taking out the right amount.
I am talking with a Vanguard adviser today, so I'll see what he/she has to recommend.
by blackburnian
Sun Sep 09, 2018 6:49 pm
Forum: Personal Investments
Topic: Pre-retirement portfolio and plans; how am I doing?
Replies: 6
Views: 1224

Re: Pre-retirement portfolio and plans; how am I doing?

Thanks, Watty. If I should do the TIAA annuity, that would use up all my 403b contributions, so then I would have no RMDs. But yes, I could wait and take the annuity and SS both at age 70, and use dividends plus some withdrawal from the portfolio for expenses. I'm not that familiar with Roth convers...
by blackburnian
Sun Sep 09, 2018 11:20 am
Forum: Personal Investments
Topic: Pre-retirement portfolio and plans; how am I doing?
Replies: 6
Views: 1224

Re: Pre-retirement portfolio and plans; how am I doing?

I would assume that you are renting now and that will stop when you buy the condo but there will be some monthly costs for the condo. The Roth contributions will also stop when you retire. What will your expenses be without the rent and Roth contribution after you retire? I've estimated condo expen...
by blackburnian
Sun Sep 09, 2018 10:31 am
Forum: Personal Investments
Topic: Pre-retirement portfolio and plans; how am I doing?
Replies: 6
Views: 1224

Pre-retirement portfolio and plans; how am I doing?

A year ago I posted my portfolio and got some excellent advice, much of which I have instituted (see https://www.bogleheads.org/forum/viewtopic.php?t=223154). I am now back for a check-in, one year closer to retirement and with the remainder of my inheritance just received (in cash). I realize I am ...
by blackburnian
Wed Aug 29, 2018 7:09 am
Forum: Personal Investments
Topic: Where to put 6 figs cash before investing (to minimize income)
Replies: 7
Views: 995

Re: Where to put 6 figs cash before investing (to minimize income)

Thanks, everyone. I have decided for now to put the cash in the municipal money market (VMSXX).