Search found 126 matches

by blackburnian
Tue Jan 05, 2021 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Got my stimulus check, how about you?
Replies: 212
Views: 15787

Re: Got my stimulus check, how about you?

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.
by blackburnian
Sun Sep 27, 2020 3:02 pm
Forum: Investing - Theory, News & General
Topic: Why do people end up with 10-15 funds in their 401k?
Replies: 60
Views: 4843

Re: Why do people end up with 10-15 funds in their 401k?

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...
by blackburnian
Mon Sep 21, 2020 9:44 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21882
Views: 2929621

Re: U.S. stocks in free fall

lostdog: Not yet (at least for S&P index). See https://www.gebele.com/charts-and-graphs/rbd-alerts
by blackburnian
Fri Sep 18, 2020 2:22 pm
Forum: Personal Investments
Topic: Moving Roth IRA from TIAA to Vanguard
Replies: 9
Views: 594

Re: Moving Roth IRA from TIAA to Vanguard

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.
by blackburnian
Fri Sep 18, 2020 10:07 am
Forum: Personal Investments
Topic: Moving Roth IRA from TIAA to Vanguard
Replies: 9
Views: 594

Re: Moving Roth IRA from TIAA to Vanguard

Thank you Brianmcg321!
by blackburnian
Fri Sep 18, 2020 9:46 am
Forum: Personal Investments
Topic: Moving Roth IRA from TIAA to Vanguard
Replies: 9
Views: 594

Moving Roth IRA from TIAA to Vanguard

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%)...
by blackburnian
Wed Aug 19, 2020 8:18 am
Forum: Personal Consumer Issues
Topic: Move to NE Ohio?
Replies: 71
Views: 4694

Re: Move to NE Ohio?

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...
by blackburnian
Tue May 12, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: 90%+ chocolate bar
Replies: 67
Views: 5183

Re: 90%+ chocolate bar

I recommend Valhrona, but I think the highest % you can get is 85 ("le noir extra"). You can find it at Trader Joe's.
by blackburnian
Mon May 11, 2020 8:44 am
Forum: Personal Consumer Issues
Topic: Thoughts on tree removal
Replies: 43
Views: 2689

Re: Thoughts on tree removal

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...
by blackburnian
Wed Apr 29, 2020 6:42 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Flight Cancel Thread
Replies: 251
Views: 16729

Re: Coronavirus Flight Cancel Thread

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 ...
by blackburnian
Mon Mar 16, 2020 11:22 am
Forum: US Chapters
Topic: Where is Livesoft!?
Replies: 147
Views: 28702

Re: Where is Livesoft!?

Livesoft is back, but maybe not for long. viewtopic.php?p=5100618#p5100618
by blackburnian
Fri Mar 06, 2020 10:10 am
Forum: US Chapters
Topic: Where is Livesoft!?
Replies: 147
Views: 28702

Re: Where is Livesoft!?

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 ...
by blackburnian
Mon Mar 02, 2020 10:18 am
Forum: Personal Consumer Issues
Topic: Postponed travel due to Corona Virus. Am I am overreacting ?
Replies: 232
Views: 24480

Re: Postponed travel due to Corona Virus. Am I am overreacting ?

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...
by blackburnian
Mon Feb 10, 2020 10:36 am
Forum: Personal Consumer Issues
Topic: Handbags/Purses?
Replies: 14
Views: 1422

Re: Handbags/Purses?

Mandarina Duck: http://www.mandarinaduck.com/en-US
They have good sales once or twice a year.
by blackburnian
Thu Feb 06, 2020 10:29 am
Forum: Personal Consumer Issues
Topic: Anywhere to go for advice on furnishing/decorating apartment?
Replies: 24
Views: 1587

Re: Anywhere to go for advice on furnishing/decorating apartment?

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...
by blackburnian
Mon Feb 03, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: [Books that changed your life]
Replies: 577
Views: 63048

Re: Books that changed your life

Primo Levi, If This Is a Man. Human nature in unimaginable circumstances (concentration camp), written with profound insight.
by blackburnian
Fri Jan 31, 2020 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Do I need a revocable trust?
Replies: 1
Views: 258

Do I need a revocable trust?

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...
by blackburnian
Mon Jan 27, 2020 1:00 pm
Forum: Personal Consumer Issues
Topic: Do you pay attention to Proposition 65 warnings when you buy something?
Replies: 25
Views: 1693

Re: Do you pay attention to Proposition 65 warnings when you buy something?

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...
by blackburnian
Fri Jan 24, 2020 10:50 am
Forum: Personal Finance (Not Investing)
Topic: Prepping for retirement 3 yrs out - what to do?
Replies: 39
Views: 3869

Re: Prepping for retirement 3 yrs out - what to do?

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...
by blackburnian
Thu Jan 02, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: Is volunteering worth the hassle?
Replies: 98
Views: 8581

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: 9125

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: 9125

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: 1744

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: 7894

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: 2531

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: 439

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: 439

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: 4585

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: 4585

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: 4585

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: 4233

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 ...
by blackburnian
Wed Mar 20, 2019 6:41 am
Forum: Personal Finance (Not Investing)
Topic: royalty income from self publishing
Replies: 4
Views: 695

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...
by blackburnian
Wed Feb 27, 2019 3:29 pm
Forum: Personal Consumer Issues
Topic: Staying in Brooklyn- Recommendations
Replies: 18
Views: 1246

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: 3678

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: 3441

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: 701

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: 1106

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...
by blackburnian
Sun Jan 06, 2019 11:29 am
Forum: Personal Consumer Issues
Topic: travel to UK and Brexit
Replies: 8
Views: 815

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: 782

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: 782

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: 782

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: 6375
Views: 1434012

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: 95
Views: 14675

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 Pre...
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: 499

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: 499

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: 2944

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: 262

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: 262

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 10/15/1...
by blackburnian
Wed Dec 12, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 21882
Views: 2929621

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 ...
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: 2773

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.