Bogleheads.org

blackburnian

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...

blackburnian

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...

blackburnian

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 ...

blackburnian

Thanks for the tip.

blackburnian

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).

blackburnian

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...

blackburnian

Thanks for quick replies. Joeretire: they accepted my first offer with inspection contingency, inspection found some repairs needed, I negotiated a credit, they accepted.

blackburnian

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...

blackburnian

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.

blackburnian

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.

blackburnian

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...

blackburnian

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 ...

blackburnian

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.) ...

blackburnian

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/

blackburnian

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

blackburnian

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...

blackburnian

I asked a similar question recently and got some helpful replies:
viewtopic.php?f=1&t=268741&p=4304117#p4304117

blackburnian

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...

blackburnian

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)?

blackburnian

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.

blackburnian

» 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...

blackburnian

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...

blackburnian

"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.

blackburnian

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...

blackburnian

Many thanks! That's what I'll do, then.

blackburnian

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...

blackburnian

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.

blackburnian

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.

blackburnian

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-...

blackburnian

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...

blackburnian

imareal1 »

. . . assuming most people on this forum are only somewhere in the middle of their working career . . .

I think your assumption is wrong.

blackburnian

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.

blackburnian

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 ...

blackburnian

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...

blackburnian

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.

blackburnian

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...

blackburnian

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...

blackburnian

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.

blackburnian

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...

blackburnian

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.

blackburnian

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 ...

blackburnian

VTI. I had cash to invest and this seemed like a good day to do it.

blackburnian

I was able to place an online order about 10 minutes ago (11:30).

blackburnian

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 ...

blackburnian

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."

blackburnian

@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.

blackburnian

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...

blackburnian

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...

blackburnian

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 ...

blackburnian

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

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