Search found 344 matches

by not4me
Wed Jun 20, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Dividends
Replies: 6
Views: 941

Re: Mutual Fund Dividends

Therefore the price per share is reduced to account for the new shares that are issued during reinvestment. I hope I have it correct!? I think you are close & we may just be phrasing differently. I've probably overly simplified to the point of making it misleading in cases. I skipped past bond open...
by not4me
Wed Jun 20, 2018 12:39 pm
Forum: Investing - Help with Personal Investments
Topic: Stock Investments questions and advice?
Replies: 7
Views: 495

Re: Stock Investments questions and advice?

Thought I'd add a few thoughts to what dbr already said; sounded as if you are somewhat new to investing and might want a bit extra. I couldn't tell if you had already bought some stock or were still considering it. Also, I wasn't clear if you were thinking only about 401k or if a "taxable" account....
by not4me
Wed Jun 20, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: What happens to shares in a merger?
Replies: 9
Views: 671

Re: What happens to shares in a merger?

one extra wrinkle to remember. I assume you are talking about remembering this will need to be included when you file 2018 taxes. Since this is your first "sell", you may want to be sure you get the info you'll need & keep it with other tax info. If you do change & for what ever reason Cap One does...
by not4me
Wed Jun 20, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Missed RMD - IRS penalty waiver process?
Replies: 12
Views: 944

Re: Missed RMD - IRS penalty waiver process?

OP, depending upon the custodian, they may offer the chance to setup "automatic" RMDs. I think they usually let you pick things like when, which funds to draw on, etc. This may avoid a problem after this year
by not4me
Wed Jun 20, 2018 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: How are LTCG taxed on Form 1040?
Replies: 4
Views: 360

Re: How are LTCG taxed on Form 1040?

look at line 44 where the tax is calculated. There are different worksheets that are used to calculate the tax depending upon the situation. In those worksheets, it works through the ltcg as well as qualified dividends, etc
by not4me
Tue Jun 19, 2018 2:55 pm
Forum: Investing - Help with Personal Investments
Topic: Mutual Fund Dividends
Replies: 6
Views: 941

Re: Mutual Fund Dividends

I think the fund share price is set by demand and therefore the share price should be controlled by the market. I'll take a shot, but it might be easier with a specific example. From reading your 1st post (welcome by the way!), I think you are looking at a type of mutual fund known as an "open end"...
by not4me
Tue Jun 19, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 69
Views: 7794

Re: I-bonds look pretty bad right now

Many of the Bogleheads (including me) backed up the truck and loaded up on the old 3.0, 3.3, 3.4 and 3.6% fixed rate I Bonds and are now sitting fat, dumb and happy with nice returns on a risk-free investment. But those were the good old days that we may never see again. I think this gets to the he...
by not4me
Tue Jun 19, 2018 7:50 am
Forum: Investing - Theory, News & General
Topic: Mutual Fund Dividends
Replies: 12
Views: 1031

Re: Mutual Fund Dividends

a measurable cash drag? ... you'd be losing over say 0.05% a year in this continuously rising market. It may be measurable, but I don't think there is enough publicly available info to measure it to the granularity you are looking for. As others have pointed out, you are starting with an assumption...
by not4me
Mon Jun 18, 2018 12:13 pm
Forum: Personal Finance (Not Investing)
Topic: Partial Owner of Inherited Family Farm/Land
Replies: 16
Views: 2077

Re: Partial Owner of Inherited Family Farm/Land

I reckon I should suggest that my wife try to get a specific appraisal on this and any other portions of the property which differ (farmable, wetlands, etc). I would encourage you to get a qualified appraiser & tell them the full story & what you are trying to accomplish. You'll be better off havin...
by not4me
Mon Jun 18, 2018 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Seller Financing on Land Sale
Replies: 10
Views: 1020

Re: Seller Financing on Land Sale

Thanks for the responses. I'm the OP and you have all given me a lot to consider, not only with respect to the interest rate. The property has been on the market for a couple years, and I may be over eager to get it on contract. The offer is nearly 20% below asking, lower than I would like. We have...
by not4me
Mon Jun 18, 2018 11:23 am
Forum: Investing - Theory, News & General
Topic: Opinions on taxable municipal bonds?
Replies: 12
Views: 767

Re: Opinions on taxable municipal bonds?

I don't think you'll get a single answer that applies to all the taxable munis. I believe there is a fine line somewhere between a 'private activity' bond & a taxable. The private activity bonds are usually referred to as tax-exempt, but they may trigger the AMT (which may be less an issue starting ...
by not4me
Sat Jun 16, 2018 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Seller Financing on Land Sale
Replies: 10
Views: 1020

Re: Seller Financing on Land Sale

DaBombCat has a good list, but there are a couple of things I'd add (& may inadvertently repeat). There are some missing pieces that you didn't share that would matter to me. I would look at this in 2 parts: (1) selling the land; (2) lending the money. As for the selling of land, you didn't say how ...
by not4me
Sat Jun 16, 2018 8:14 am
Forum: Personal Finance (Not Investing)
Topic: Confused with Cost basis for Company Stock in a Share Value Plan
Replies: 1
Views: 176

Re: Confused with Cost basis for Company Stock in a Share Value Plan

I'm not familiar with any standard plan called a 'share value' plan, but the cost basis should be the after-tax contribution you made to this if any. If you didn't, then the basis is zero. Cost basis keeps you from paying tax on something you've already paid tax on, while taxing any gain you are get...
by not4me
Thu Jun 14, 2018 7:47 am
Forum: Investing - Help with Personal Investments
Topic: Help with buying municipal bonds please
Replies: 4
Views: 797

Re: Help with buying municipal bonds please

Since you've made a (seemingly prudent) decision to expand your bond allocation, the next step I'd recommend is to decide the characteristics you're going to get. Consider duration, credit quality, your risk tolerance, etc. It may be as simple as extending the types of bonds you already have. Then, ...
by not4me
Wed Jun 13, 2018 12:49 pm
Forum: Investing - Help with Personal Investments
Topic: Please advise re:Guggenheim intermediate bond fund class p SIUPX
Replies: 17
Views: 562

Re: Please advise re:Guggenheim intermediate bond fund class p SIUPX

I rolled my 401 plans into IRA at Fidelity. I wasn’t sure what bond fund to get into, so I asked the guy helping me what he suggested. I should have done more research before I purchased. I’ve only had the Guggenheim funds for about two months, but I’m concerned about the high ER that will go even ...
by not4me
Wed Jun 13, 2018 12:41 pm
Forum: Investing - Theory, News & General
Topic: Imagine a 10 year, 0%, noncallable loan
Replies: 49
Views: 2994

Re: Imagine a 10 year, 0%, noncallable loan

In simple terms that averages out to 2% a year for the original loan balance; since the balance is declining annually the actual effective APR would be higher than 2%, but it's still fairly low - especially for unsecured debt. I approached a bit differently, but ended up in the same area for a cap....
by not4me
Wed Jun 13, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Please advise re:Guggenheim intermediate bond fund class p SIUPX
Replies: 17
Views: 562

Re: Please advise re:Guggenheim intermediate bond fund class p SIUPX

Welcome to the forum! I don’t know Fidelity funds well enough to recommend a replacement, but I don’t think anyone around BH would recommend an intermediate term bond fund with a 1.03% expense ratio. The 12b-1 fee is paid by the mutual fund company to the broker, so the advisor had a significant co...
by not4me
Wed Jun 13, 2018 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Please advise re:Guggenheim intermediate bond fund class p SIUPX
Replies: 17
Views: 562

Re: Please advise re:Guggenheim intermediate bond fund class p SIUPX

Welcome to the forum! I don’t know Fidelity funds well enough to recommend a replacement, but I don’t think anyone around BH would recommend an intermediate term bond fund with a 1.03% expense ratio. The 12b-1 fee is paid by the mutual fund company to the broker, so the advisor had a significant co...
by not4me
Wed Jun 13, 2018 8:47 am
Forum: Investing - Help with Personal Investments
Topic: High Yield Municipal Bonds: Short or intermediate/long term, which to choose from?
Replies: 4
Views: 600

Re: High Yield Municipal Bonds: Short or intermediate/long term, which to choose from?

I'm not clear on what your objective is. I'll throw out a few things for you to consider & see if that will help clarify. Start with 'why' you are thinking about high yield bonds. I take from what you've said you are trying to get some added yield & understand you'd be taking on more risk. I know ot...
by not4me
Mon Jun 11, 2018 1:08 pm
Forum: Investing - Help with Personal Investments
Topic: Dividend Buffer
Replies: 24
Views: 2252

Re: Dividend Buffer

Usually, whenever the yield started going down, it was because the price had been going up; so you were getting a smaller slice of a bigger pie, and your income didn't drop. I'm curious about this backtest -- specifically in subsequent years, were you looking at the dollars distributed or using the...
by not4me
Mon Jun 11, 2018 12:57 pm
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds “doubling” in 2019
Replies: 7
Views: 1416

Re: EE savings bonds “doubling” in 2019

Mainly posting to bump the thread as others know this area much better than I. It's my understanding that a one time adjustment is made on anniversary of issuance & thus from that the interest would be calculated. As to whether or not to cash in, if it were me I'd look at broader picture, but most l...
by not4me
Mon Jun 11, 2018 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: A great father's day gift
Replies: 19
Views: 3394

Re: A great father's day gift

good reminder/advice...another would be for those who still can, do make a call (or more) this week to financial mentors (especially if their father) & say "thanks"
by not4me
Thu Jun 07, 2018 11:49 am
Forum: Investing - Theory, News & General
Topic: Understanding Vanguard statement
Replies: 41
Views: 2542

Re: Understanding Vanguard statement

Good people, I have replicated my statement and the fact that I round some, eliminating a few cents or a few thousandths of a decimal point does not alter the understanding of the illustration or the comparisons. Please trust me on this. Activity summary Values on April 1 0.00 Purchases and Withdra...
by not4me
Wed Jun 06, 2018 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Annuitizing a deferred / variable annuity?
Replies: 41
Views: 2020

Re: Annuitizing a deferred / variable annuity?

@not4me, thanks for the well thought out response. However, I'm not sure you are quite right, although you seem to have thought about it way more than me. :wink: When I did a 1035 exchange from Lincoln Life to Fidelity, if the basis was to get prorated, it seems like it would if I started withdrawi...
by not4me
Wed Jun 06, 2018 3:23 pm
Forum: Investing - Help with Personal Investments
Topic: Annuitizing a deferred / variable annuity?
Replies: 41
Views: 2020

Re: Annuitizing a deferred / variable annuity?

I just know that there's better, especially in my situation. I think keeping the focus on the situation at hand can't be over-emphasized. There are untold number of different scenarios of expected future tax rates, need for longevity coverage, etc. I know other posters have mentioned they are monit...
by not4me
Wed Jun 06, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: Understanding Vanguard statement
Replies: 41
Views: 2542

Re: Understanding Vanguard statement

I didn't read all of this closely, so this may be a repeat. But, it looked to me as if you are perhaps misunderstanding the cost numbers. First, I'd suggest looking further into the statement to a section showing "completed transaction". This should layout step-by-step what you bought, etc. Since yo...
by not4me
Tue Jun 05, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Annuitizing a deferred / variable annuity?
Replies: 41
Views: 2020

Re: Annuitizing a deferred / variable annuity?

The OP should check the "guaranteed" rate on annuitization. Interest rates were much higher 20 years ago, and the guaranteed rate could be in excess of 4%. OP here. Good point, and thanks for that. However, it makes me think about a different alternative. I've had the annuity invested in 4-5 relati...
by not4me
Tue Jun 05, 2018 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Help Assessing Risk of an Inherited Business & Property
Replies: 3
Views: 340

Re: Help Assessing Risk of an Inherited Business & Property

wouldn't try to improve on sound advice given by deanbrew, but would add another option. It may not apply depending on the specifics that were left unsaid. IF you happen to respect business-wise the previous owner & know lawyers, insurance, et al they used, you might check with them. They may provid...
by not4me
Mon Jun 04, 2018 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Annuitizing a deferred / variable annuity?
Replies: 41
Views: 2020

Re: Annuitizing a deferred / variable annuity?

There is usually no good solution to an investment-type annuity. If you cash it in all at once, you'll bunch the income into a single year. If you keep it, including if you annuitize it, you'll continue to incur the costs of the annuity and you'll continue to turn the future qualified dividends and...
by not4me
Sat Jun 02, 2018 9:47 am
Forum: Investing - Theory, News & General
Topic: A correction IS/WAS expanding...?
Replies: 8
Views: 1509

Re: A correction IS expanding...

A correction is stock price adjustments for overvaluation. I'm not familiar with this as a definition. I think usually a correction means a fall of 10% (or more) from a previous high...see following Valuation is often based on earnings. I guess you are equating stock price & valuation? Regardless, ...
by not4me
Thu May 31, 2018 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: How to buy commodities (soybeans)
Replies: 16
Views: 1792

Re: How to buy commodities (soybeans)

I know nothing about commodities. Zero! But I'm trying to learn a little bit because I have family members who are farmers. I do know a little bit about stocks, so I "want" commodities to be like stocks. What would make sense to me is to buy, say, 100 bushels of soybeans the way I might buy 100 sha...
by not4me
Thu May 24, 2018 1:30 pm
Forum: Investing - Theory, News & General
Topic: Is Precious Metal Equity a better diversifier than emerging market equity for US investors?
Replies: 34
Views: 2023

Re: Is Precious Metal Equity a better diversifier than emerging market equity for US investors?

It is interesting that rerunning the backtest with American Century Global Gold instead of VGPMX to sidestep the management strategy changes of VGPMX lowers portfolio volatility even more: https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=4&startYear=1985&firstMonth=1&endYear=20...
by not4me
Thu May 24, 2018 1:07 pm
Forum: Investing - Theory, News & General
Topic: Is Precious Metal Equity a better diversifier than emerging market equity for US investors?
Replies: 34
Views: 2023

Re: Is Precious Metal Equity a better diversifier than emerging market equity for US investors?

perhaps a long term holder of the VGPMX will chime in. This is not a "precious metals" fund in the sense some are taking it. I don't recall when there was a change, but the fund changed at some point. Precious metals = the metals themselves Precious metal equity = stocks in producers of precious me...
by not4me
Thu May 24, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: Is Precious Metal Equity a better diversifier than emerging market equity for US investors?
Replies: 34
Views: 2023

Re: Is Precious Metal Equity a better diversifier than emerging market equity for US investors?

Interestingly, when I change the start date to 2007, the porfolio with PME becomes the worst and the EM portfolio becomes the best. The big benefit from PME was 2001 and 2002, when it had positive returns when most everything else was down the toilet. So I will say that at times, PME could be a bet...
by not4me
Tue May 22, 2018 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Buying a Vacation Rental Property as an Investment
Replies: 53
Views: 4470

Re: Buying a Vacation Rental Property as an Investment

3.) Very high risk of hurricanes. If one does hit, it will likely knock back the real estate market for a long time. I have not owned a property such as this, but know lots & lots of others who have. For this discussion, I'd say their collective experience & advise would not be surprising. Results ...
by not4me
Tue May 22, 2018 7:29 am
Forum: Investing - Theory, News & General
Topic: Dividend / no dividend index funds?
Replies: 30
Views: 2662

Re: Dividend / no dividend index funds?

dkturner wrote:
Mon May 21, 2018 3:24 pm
probably because of insufficient interest in the concept.
I think this gets to the heart of it...once you understand dividends, it isn't surprising to me
by not4me
Tue May 22, 2018 7:27 am
Forum: Investing - Theory, News & General
Topic: Dividend / no dividend index funds?
Replies: 30
Views: 2662

Re: Dividend / no dividend index funds?

My intuition tells me that dividends in tax-deferred accounts are equivalent to not paying any dividend or capital gains tax, but let's see with an example. I think we may be talking past each other as we are looking at different aspects. I didn't follow the math in your example. I did a quick ment...
by not4me
Mon May 21, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Missing Cost Basis
Replies: 5
Views: 447

Re: Missing Cost Basis

To add to previous suggestions, I'd 1st set up a spreadsheet with #shares, cost basis, etc & then capture the 80+ quarters. If there weren't many gaps, you can often find historical dividend data. Since you'd have the cumulative shares, take the dividend per share, figure out how many shares that bo...
by not4me
Mon May 21, 2018 11:48 am
Forum: Investing - Theory, News & General
Topic: Dividend / no dividend index funds?
Replies: 30
Views: 2662

Re: Dividend / no dividend index funds?

The point is that while LTCG rate on qualified dividends 'seems' lower than ordinary income tax rates, it's actually a tax paid on top of the ordinary income tax paid on the dollars used to purchase the investment in the first place. You are forgetting that having identical holdings in taxable and ...
by not4me
Mon May 21, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: Dividend / no dividend index funds?
Replies: 30
Views: 2662

Re: Dividend / no dividend index funds?

I think that since qualified dividends are taxed on assets purchased with money that was already taxed , it’s not accurate to say you’re “converting” qualified dividends to taxable income by holding in tax-deferred, but rather that you are converting earnings taxed as ordinary income plus long-term...
by not4me
Fri May 18, 2018 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: A Very Unique Inflation Fund
Replies: 11
Views: 1360

Re: A Very Unique Inflation Fund

I doubt this is an actively managed fund, just look at the expense ratio. SSGA is one of the largest providers of ETFs, Index Funds and CITs. My guess is that this is just a fund of SSGA CITs consisting of: TIPS CIT Global REIT CIT Global Natural Resources CIT Commodities CIT It may be a fund of fu...
by not4me
Fri May 18, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: Long term investment in grains/wheat
Replies: 22
Views: 1433

Re: Long term investment in grains/wheat

If you thought grains/wheat was a good long term investment (over a period of 10-15 years), what would the best way to make an investment in it? Tks. I'll echo what has been said -- no clean way to invest now in the 2028 wheat harvest. I'm not clear on exactly what you meant anyway. Are you saying ...
by not4me
Fri May 18, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Fund picks for inherited non-qualified stretch annuity?
Replies: 3
Views: 219

Re: Fund picks for inherited non-qualified stretch annuity?

First, know that you can take your time with this & change allocations later. I'd suggest being sure you are clear on how you view this. I've known some that will take the annual distribution & spend in such a way as to remember the source. Others as just an unexpected addition to their "pool". You ...
by not4me
Fri May 18, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Investment Plan Query (Dividend vs Total Return Strategy for Unusual Tax Situation)
Replies: 8
Views: 725

Re: Investment Plan Query

As for the stock allocation, there are a couple of other available options, as per your recommendation. There’s an iShares ETF that tracks the MSCI World High Dividend Yield Index, and a SPDR ETF that tracks the S&P Global Dividend Aristocrats Index. Both of those indexes are constructed with a vie...
by not4me
Fri May 18, 2018 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Fellow non-529ers
Replies: 43
Views: 3022

Re: Fellow non-529ers

Based on how understand it (and please someone correct me if I am wrong): Long-term Capital Gains in a Taxable account = 15% vs Withdraw Excess Funds, Income Is taxed at Ordinary Federal Marginal, mine personally = 24-32%, AND WITH THE 10% Penalty! ^^ so total taxation = 34-42%, aka a 19-27% hike a...
by not4me
Fri May 18, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of 0% tax rate on capital gains
Replies: 18
Views: 2004

Re: Taking advantage of 0% tax rate on capital gains

mdh52 wrote:
Thu May 17, 2018 6:37 pm
Hello, I am active duty military and my wife is attending graduate school and stopped working this year so we should be in the 12% tax bracket with about $15,000 to spare before the next bracket.
Thank you & your family for your sacrifice & service!
by not4me
Thu May 17, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Investment Plan Query (Dividend vs Total Return Strategy for Unusual Tax Situation)
Replies: 8
Views: 725

Re: Investment Plan Query

I don't have your answer, but hope this bumps the thread & someone more knowledge in this area than I will chime in. ETFs/taxes/etc in Ireland are not in my area of expertise! But, I would offer a couple of thoughts. First & perhaps most importantly is how this specific individual will emotionally f...
by not4me
Thu May 17, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Why do so many people quote "You will likely be in a lower tax bracket in retirement"
Replies: 508
Views: 31338

Re: Why do so many people quote "You will likely be in a lower tax bracket in retirement"

Practice tax diversification. I am 30 years away from retirement. I have no idea what my tax bracket will be in 2048 and I don't know what my annual income will be because I don't know how fast my taxable portfolio will gain. If you're also that far away, give yourself the option of a pre-tax and R...
by not4me
Wed May 16, 2018 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Selling land FSBO help please
Replies: 27
Views: 1396

Re: Selling land FSBO help please

I wouldn't offer much of an opinion without a better understanding of the situation. Is this big or small? city or country? (perceived to be) hot or cold area in terms of market? Big or insignificant portion of your net worth? Are you more interested in top $ or fastest close? Etc...
by not4me
Tue May 15, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo Advisors (WFA) Transfer On Death (TOD)
Replies: 26
Views: 1900

Re: Wells Fargo Advisors Transfer On Death (TOD)

Don't have a great answer, but maybe this bump will help. I don't know what is typical, but sounds to me you've been way more patient than most would be. Do you have an account with Wells otherwise or even a convenient brick/mortar? If so, I'd go camp there & start with the branch manager. They like...