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blackburnian

Mine ($600) posted to my bank account on 1/4/21. I'm planning to increase my charitable donations by $100 each month through June. Still employed and don't need the money.

blackburnian

Like some of the other people who responded, I was the victim of a TIAA adviser. My parents lived well on TIAA retirement and always spoke highly of the integrity of the company. They had only the two original funds, the annuity and CREF. I took advantage of a "free" session with a TIAA co...

blackburnian

lostdog: Not yet (at least for S&P index). See https://www.gebele.com/charts-and-graphs/rbd-alerts

blackburnian

Thanks for additional advice. I do have a lot of TIAA traditional already (in my retirement accounts), thanks to Bogleheads recommendations from a few years ago, so it's probably worth sacrificing the small amount I have in the Roth. I'll be sorry to see it go.

blackburnian

Thank you Brianmcg321!

blackburnian

I have had a Roth IRA at TIAA for many years. Now I have a Vanguard account and I wonder if I should move the IRA to Vanguard because TIAA has higher expense ratios. The funds are invested in equity index (31%), small cap index (29%), international index (21%), bond index (9%), TIAA real estate (3%)...

blackburnian

Another native Clevelander here (Iooks like I grew up just a few blocks from Goldenfinch!). I highly recommend Cleveland Heights. Second all the features you noticed and others have mentioned. In addition, people are really friendly. I'm not sure if anyone mentioned the Skating Club, which has tenni...

blackburnian

I recommend Valhrona, but I think the highest % you can get is 85 ("le noir extra"). You can find it at Trader Joe's.

blackburnian

You said it is a healthy, beautiful tree, which makes me think you have some affection for it and would rather not cut it down. Before you decide to do so, you might want to spend an hour or two looking closely at the tree and observing what lives on and in it. Think about the shade it provides, how...

blackburnian

Swissair (part of the Lufthansa group), for a flight to Rome that was supposed to leave today but was canceled (by the airline). Reached an agent on the phone with almost no wait. She said they have a backlog of 5000 refund requests and aren't taking any more. I should check back in August. We have ...

blackburnian

Livesoft is back, but maybe not for long. viewtopic.php?p=5100618#p5100618

blackburnian

FYI, Friday Feb 28th wasn't an official Livesoft RBD: "A Friday cannot be a bona fide RBD" https://www.bogleheads.org/forum/viewtopic.php?t=184463 I think Livesoft is watching and waiting and will chime in at some point--after gathering lots of data on the behavioral errors that all of us ...

blackburnian

TXJeff wrote: For example, in France, Macron has ordered all gatherings of over 5,000 people canceled. One result: the Louvre is now closed, as it gets more than 5,000 visitors per day. Actually it closed because the staff refused to work; it was not closed by the government. It's unknown whether i...

blackburnian

Mandarina Duck: http://www.mandarinaduck.com/en-US
They have good sales once or twice a year.

blackburnian

If you are near a Room and Board, they do free consultations; you can even take in room dimensions and photographs and they will make a floor plan and help you pick out furniture and decor. I found the people I worked with there very helpful even though I only ended up buying two things. If you like...

blackburnian

Primo Levi, If This Is a Man. Human nature in unimaginable circumstances (concentration camp), written with profound insight.

blackburnian

I know this topic has been covered before, but I am still unsure of when a revocable trust is recommended. I had an initial meeting with a reputable lawyer who recommended one for me, but I would like additional opinions before I tell him no or yes. Here is my situation: Age: Early 60s, plan to reti...

blackburnian

I use it as an indication to do further research on the product. Some products offgas VOCs that are unhealthy (and give me a headache), so if I see the warning I often wait to buy until I've found out more. I'm all for reducing chemicals and letting people know what is in things, but this warning is...

blackburnian

by heerekj1 » Fri Jan 24, 2020 11:38 am Make any modifications to your investments in your taxable account at least 2 years prior to becoming eligible for medicare so you are not subject to a higher premium when you start it. Heerekj1: Could you go into more detail about this? What kind of modifica...

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 ...

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...

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...

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 Pre...

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 10/15/1...

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 ...

blackburnian

imareal1 »

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

I think your assumption is wrong.

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