Search found 38 matches

by glensos
Wed Mar 20, 2019 8:49 am
Forum: Personal Investments
Topic: Input Needed on Dividend Portfolio
Replies: 26
Views: 1663

Re: Input Needed on Dividend Portfolio

Please be sure to thank your friend for paying all the taxes I don’t pay!
by glensos
Thu Jun 21, 2018 7:41 am
Forum: Personal Investments
Topic: How much of your taxable holdings is unrealized capital gains?
Replies: 58
Views: 5620

Re: How much of your taxable holdings is unrealized capital gains?

2 Core Funds US and World with 140% Unrealized Gain.

$500,000 Gain and have already used up Capital Losses

Plan on staying in 12 % Bracket to pay Zero Federal Tax - will have to pay a small amount of California State Tax

Pretty happy with this outcome at age 58
by glensos
Fri Jun 08, 2018 9:09 am
Forum: Personal Finance (Not Investing)
Topic: long term care insurance
Replies: 113
Views: 6815

Re: long term care insurance

Long Term Care is a very challenging problem in so many ways. Insurance companies have been a nightmare in over promising- under delivering with their LTC policies and the hybrid policies. The best solution is to be self insured. Is there a way you can do that with your investments, or by planning o...
by glensos
Thu Jan 18, 2018 8:56 am
Forum: Personal Investments
Topic: Is This Allocation Crazy?
Replies: 10
Views: 837

Re: Is This Allocation Crazy?

While your portfolio may have good low cost Vanguard funds, It appears to be too complicated and tax ineffecient Would be helpful if you listed your holdings in your accounts. And more specially the holdings and gains in your taxable account. (Before you change anything in your taxable account, you ...
by glensos
Thu Jan 18, 2018 8:29 am
Forum: Personal Investments
Topic: Is This Allocation Crazy?
Replies: 10
Views: 837

Re: Is This Allocation Crazy?

Great Question! Because of lower capital gains rates, Equities in your taxable account give you better after tax returns. That being said, you do have a very high overall equity allocation. (Might not be crazy but why are you taking so much risk?) To reduce that risk, if you choose, I would sell son...
by glensos
Mon Jan 15, 2018 8:36 pm
Forum: Personal Investments
Topic: Modified Endowment Annuity S&P Indexed Contract MEC
Replies: 3
Views: 344

Re: Modified Endowment Annuity S&P Indexed Contract MEC

RUN!

The contract written by the carrier is Heads You Lose ...Tails You lose.

You will be sorry when you really figure out what a terrible deal this is.

Glen
by glensos
Thu Oct 05, 2017 4:02 am
Forum: Investing - Theory, News & General
Topic: Throwing Down with a Primerica Advisor
Replies: 49
Views: 6009

Re: Throwing Down with a Primerica Advisor

Thinking more about request for specific information relative to the subject if you want to dive deeper you might ask her if a 20 year period is long enough to be sure that this manager is skilled and not just lucky? Let her answer that question. A well known university professor asked his class tha...
by glensos
Thu Oct 05, 2017 3:36 am
Forum: Investing - Theory, News & General
Topic: Throwing Down with a Primerica Advisor
Replies: 49
Views: 6009

Re: Throwing Down with a Primerica Advisor

Simple math tells us that active managers as a group will underperform. Overtime roughly 10% of active managers will outperform and most if not all would simply do so by blind chance. (Dumb luck). The odds of the managers repeating that outperformance in any future period are exactly the same odds o...
by glensos
Fri Sep 15, 2017 10:42 pm
Forum: Personal Investments
Topic: Should I dump (W)Hole Life Insurance and Variable Insurance
Replies: 14
Views: 1560

Re: Should I dump (W)Hole Life Insurance and Variable Insurance

Whole life insurance is not only not an investment, it is the most expensive life insurance choice. Stop the bleeding, and move on before you end up with even more regrets. It's an expensive lesson, but it's time to learn from this horrific error.
by glensos
Sat Feb 18, 2017 1:52 am
Forum: Personal Investments
Topic: Investment in Limited Partnership?
Replies: 13
Views: 1770

Re: Investment in Limited Partnership?

You said you should move to fixed income but are looking for something in between. REIT's are not at all "in between" when it comes to risk. They are smalll cap value in nature and in a limited sector so on there own much higher risk then the stock market as a whole. Now if you are thinking a privat...
by glensos
Mon Dec 26, 2016 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Experience as an RIA
Replies: 1
Views: 517

Re: Experience as an RIA

Yes I have done what you would like to do. Feel free to PM me and I am happy to share my experience with you.
by glensos
Wed May 08, 2013 5:51 pm
Forum: Personal Investments
Topic: Simple Portfolio Review Request (DFA & Vngrd update)
Replies: 25
Views: 3782

Re: Simple Portfolio Review Request (DFA & Vngrd update)

Why not just start with the DFA 60/40 fund and then build around it with whatever tilts toward international, growth, value, small reit whatever you wish.
by glensos
Sat Jan 07, 2012 5:30 pm
Forum: Personal Investments
Topic: Death of I or EE Savngs Bond Owner or Owners
Replies: 19
Views: 3054

Death of I or EE Savngs Bond Owner or Owners

My wife and I have lots of the old I bonds and EE bonds. We are co-owners on the bonds registration.

If we both should die together could our inheritors keep the bonds and keep earning the nice rate of interest and pay the taxes later?

Does anyone know how that works?
by glensos
Sat Jan 07, 2012 5:26 pm
Forum: Personal Investments
Topic: Effect of Rising Interest Rates on Short term Bonds
Replies: 2
Views: 522

Effect of Rising Interest Rates on Short term Bonds

Thought I saw some illustration about a week ago showing how returns would be effected. Does anyone recall that post?
by glensos
Tue Sep 20, 2011 4:44 pm
Forum: Investing - Theory, News & General
Topic: I Bond Beneficiary Question for Mel
Replies: 2
Views: 636

I Bond Beneficiary Question for Mel

Mel, Thanks to you, I have 241 paper I bonds and EE Bonds going back to 2000. My wife and I are co-owners and we never put a contingent beneficiary on the Bonds. Now we are doing are estate plan and would like to either put them in our new Trust, or put a contingent beneficiary on them. I was told t...
by glensos
Tue Jun 28, 2011 1:00 pm
Forum: Personal Investments
Topic: I Bond Beneficiary Question for Mel or anyone else
Replies: 2
Views: 657

I Bond Beneficiary Question for Mel or anyone else

Does the beneficiary have the right to continue the terms of the I Bond.

If they do what happens with respect taxes due from the deceased owner.

Glen
by glensos
Wed Mar 23, 2011 6:19 pm
Forum: Personal Investments
Topic: Tax question on selling inherited silver coins.
Replies: 22
Views: 6394

The Capital gains tax rate on collectables is 28%.

Are you sure the 25 times face vallue is fair?

Glen
by glensos
Thu Mar 17, 2011 4:09 pm
Forum: Personal Investments
Topic: CPI
Replies: 5
Views: 723

Since Inflation did not match the previous months average do we know what the adjustment will be?
by glensos
Thu Mar 17, 2011 3:41 pm
Forum: Personal Investments
Topic: CPI
Replies: 5
Views: 723

CPI

With the CPI comming in today at .5% anyone know what the next I bond rate adjustment will be?

glen
by glensos
Thu Mar 03, 2011 12:46 pm
Forum: Personal Investments
Topic: Logevity Insurance
Replies: 13
Views: 2062

Logevity Insurance

What do we know about Longevity Insurance?

http://www.bankrate.com/finance/retirem ... ast-1.aspx

Looking forward to your wisdom on this subject.

Glen
by glensos
Wed Feb 23, 2011 5:36 pm
Forum: Personal Investments
Topic: Social Security Strategy Question
Replies: 9
Views: 2190

sebeer,

Thank you so much for your very well suported answer. Looks like the right strategy then.

Hopefully the rules wont change.

Thanks again serbeer!

Glen
by glensos
Wed Feb 23, 2011 4:31 pm
Forum: Personal Investments
Topic: Social Security Strategy Question
Replies: 9
Views: 2190

Social Security Strategy Question

He is 59 years old and she is 61 years old. He is the higher wage earner but not by a lot. She plans on taking her Social Security Benefit at age 62 and he plans on getting his full benefit at age 70. Could he collect a small spousal benefit at age 66 and then switch to his own delayed benefit at ag...
by glensos
Fri Feb 18, 2011 7:13 pm
Forum: Personal Investments
Topic: Future HSA Contribution Limits
Replies: 8
Views: 1250

Future HSA Contribution Limits

Does anyone know or have any thoughts on what the HSA contribtion limits will be under the Obama Plan?

Glen
by glensos
Tue Dec 07, 2010 7:50 pm
Forum: Personal Consumer Issues
Topic: How do I spend an afternoon in San Francisco?
Replies: 16
Views: 4335

We live 30 minutes from the city and love to spend afternoons there. You will be in Fishermans Wharf area to take the ferry to Alcatraz. A nice local resturant with great seafood is Scoma's. Decent view of the wharf. If the weather is nice I would suggest getting some crab or seafood of your choice ...
by glensos
Fri Apr 16, 2010 3:59 pm
Forum: Personal Investments
Topic: Series I Bond SOS
Replies: 10
Views: 3121

Renter,

Several years ago I made a similar mistake. I called Treasury Direct and they told me not to even worry about it.

It turned out to be one of my better mistakes.

Hope thats how yours turns out as well.

Glen
by glensos
Tue Apr 13, 2010 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Series I Bond question and tax reporting
Replies: 5
Views: 1168

John one more question

John,

Thanks for your help on this subject

If a person owns multiple EE and I bonds can he select the particular bond he wishes to volantarily pay the taxes due for interest on?
by glensos
Tue Apr 13, 2010 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Series I Bond question and tax reporting
Replies: 5
Views: 1168

Can you Explain how you would report the gain?

If you are holding many EE and I bonds how would you report the gains?

Can you decide which bonds you are reporting the gains on?

Any other pertinent thoughts?
by glensos
Mon Dec 14, 2009 5:43 pm
Forum: Investing - Theory, News & General
Topic: Build America Bonds
Replies: 1
Views: 720

Build America Bonds

What are your thoughts on BABS?

Would they fit into a portfoio for the bond side?

How safe are they?

Are their ways to buy a diversified basket tof them?

Glen
by glensos
Thu Oct 22, 2009 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Diversified Bond Fund Question
Replies: 3
Views: 1025

Diversified Bond Fund Question

Does anyone know if there is a bond fund that includes Corporate, Treasury, and Inflation Protected Securities?
by glensos
Wed Oct 07, 2009 12:39 pm
Forum: Investing - Theory, News & General
Topic: Jim Rickards on CNBC about the Dollar and Gold
Replies: 3
Views: 1268

Any thoughts on gold to hedge falling dollar?

Lots of press on this topic
by glensos
Wed Oct 07, 2009 12:23 pm
Forum: Investing - Theory, News & General
Topic: Jim Rickards on CNBC about the Dollar and Gold
Replies: 3
Views: 1268

Jim Rickards on CNBC about the Dollar and Gold

Jim Rickards interview on CNBC

http://www.cnbc.com/id/15840232?video=1275511738

Does this guy have any crediblity?

Glen
by glensos
Mon Oct 05, 2009 3:37 pm
Forum: Personal Investments
Topic: Bonds vs Bond funds.
Replies: 23
Views: 3458

Sounds like Suze Orman

Having money in bonds could make it more difficult to rebalance your portfolio.
by glensos
Mon Sep 07, 2009 1:51 pm
Forum: Personal Investments
Topic: November I bond Inflation Rate
Replies: 3
Views: 1512

Found this post at Morningstar -

WOODJFavoriteIgnoreE-mailFlagRe: I-bonds paying 0% -- what are others doing?08-17-2009, 1:00 PM | Post #2692046Others have already mentioned the cpi-u for July. From the Savings Bond Advisor is this up date on IBonds and TIPS http://www.savings-bond-advisor.com/ For July, the Consumer Price Index fo...
by glensos
Mon Sep 07, 2009 12:45 pm
Forum: Personal Investments
Topic: November I bond Inflation Rate
Replies: 3
Views: 1512

November I bond Inflation Rate

What is the expected rate of the inflation portion of I bonds for November?

Also is there possibly a residual amount of deflation that could affect a bonds adjustment in interest?


Glen
by glensos
Thu Aug 27, 2009 4:19 pm
Forum: Investing - Theory, News & General
Topic: How do retirees bridge health insurance to medicare at 65?
Replies: 55
Views: 8788

HSA

We use an HSA plan with a $10,000 deductable. Current premiums are $400 a month.

It pays to be healthy!
by glensos
Fri Aug 14, 2009 3:43 pm
Forum: Investing - Theory, News & General
Topic: Correlations to Real Estate
Replies: 3
Views: 902

HELP!

Still looking for an answer
by glensos
Fri Aug 14, 2009 2:41 pm
Forum: Investing - Theory, News & General
Topic: Correlations to Real Estate
Replies: 3
Views: 902

Correlations to Real Estate

For someone who is wealthy owning quite a bit of Real Estate (Light Industrial Property thats a rental) , what would be the best ways to diversify a comparitively small amount of money held in an IRA?

Does anyone know of a chart of correlations to Real Estate?

Glen
by glensos
Sat Aug 01, 2009 7:23 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroes Portfolio
Replies: 36
Views: 13764

Larry Swedroes Portfolio

I remember seeing a very tilted portfolio that larry was using. Can you tell me what that portfolio consisted of?