Search found 49 matches

by Diligent Hands
Tue Sep 08, 2020 12:12 am
Forum: Investing - Theory, News & General
Topic: use constant dollars or infation adjusted dollars for retirement projections
Replies: 8
Views: 718

Re: use constant dollars or infation adjusted dollars for retirement projections

I use inflation adjusted dollars for future forecasts. While I agree with the keep it simple approach, I want to be able to compare my forecasts to actual performance/results. I created my own Excel spreadsheet 20 years ago and have forecasted expenses, wages, pension, SS, and investment returns out...
by Diligent Hands
Tue Aug 25, 2020 9:36 pm
Forum: Investing - Theory, News & General
Topic: "Bank of XOM versus 'risk-free treasuries'" since 2009
Replies: 59
Views: 5342

Re: "Bank of XOM versus 'risk-free treasuries'" since 2009

I used to own a lot of XOM and it did nothing for years. In early 2019 I found this site and the wisdom of being a Boglehead. I sold all my XOM in mid 2019 and bought total market index funds. You guys saved me big $$$ in the XOM 2020 price drop, and my index funds have done great. Now if I could ju...
by Diligent Hands
Wed Jun 03, 2020 8:42 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 246033

Re: Fidelity as a one stop shop

Thanks. Great news.
by Diligent Hands
Sun May 31, 2020 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 246033

Re: Fidelity as a one stop shop

Same here. Close to thirty years of expense data.
by Diligent Hands
Sun May 31, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1693
Views: 246033

Re: Fidelity as a one stop shop

Does anyone know if Fidelity credit card transactions can be directly loaded into Microsoft Money? My current CC institution just discontinued the ability to download transactions to MSM, and I am very disappointed. I have searched this thread and the site and couldn't find the answer, so I am guess...
by Diligent Hands
Wed Mar 04, 2020 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Issues with importing Fidelity info into TurboTax
Replies: 6
Views: 472

Re: Issues with importing Fidelity info into TurboTax

I was trying to finish up the taxes today and out of curiosity I saved what I thought would be the final copy. Then I deleted the Fidelity account in question and downloaded it again. Bingo! All 175 transactions for this account are now on the 8949 forms. I don't know, but I sure wasted a lot of tim...
by Diligent Hands
Wed Mar 04, 2020 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Issues with importing Fidelity info into TurboTax
Replies: 6
Views: 472

Re: Issues with importing Fidelity info into TurboTax

Ok mystery solved. Apparently 8949 forms aren't required for covered sales and Turbo Tax does not print them out.

Turbo Tax import and handling of numbers was just fine. Live and learn.
by Diligent Hands
Wed Mar 04, 2020 2:30 am
Forum: Personal Finance (Not Investing)
Topic: Issues with importing Fidelity info into TurboTax
Replies: 6
Views: 472

Re: Issues with importing Fidelity info into TurboTax

I’ll have to check the values tomorrow. I found the problem after printing my return to do a final review. It was a bad surprise to see that so many sales were not recorded on the printed return. Just to give you some scale of the changes I made last year (thanks Bogleheads), I have 21 pages of 8949...
by Diligent Hands
Wed Mar 04, 2020 12:52 am
Forum: Personal Finance (Not Investing)
Topic: Issues with importing Fidelity info into TurboTax
Replies: 6
Views: 472

Issues with importing Fidelity info into TurboTax

I have imported an account into TurboTax from Fidelity. When viewed from the "Step-by-step" pages (typical entry method I suppose), all of the information shows to be imported, however, when you print out the return, all of the short-term sales and long-term covered sales are missing . Aft...
by Diligent Hands
Sun Oct 20, 2019 10:08 pm
Forum: Investing - Theory, News & General
Topic: Investment amount instead of allocation percentage
Replies: 27
Views: 3551

Re: Investment amount instead of allocation percentage

This is a 5 year old thread I found using the Bouglehead search engine. I am curious if any of the original participants have changed their views or asset allocation approach in the last 5 years? This would especially be true of TimeLord as I am considering using a target dollar value for equities. ...
by Diligent Hands
Fri Sep 27, 2019 12:25 am
Forum: Personal Investments
Topic: Which brokerages can display Personal Portfolio Performance? [Update 2020-07-22]
Replies: 27
Views: 2602

Re: Which brokerages can display Personal Portfolio Performance?

I hadn't looked at Fidelity's performance pages until seeing this post. Pretty nice.
by Diligent Hands
Mon Sep 16, 2019 11:03 pm
Forum: Investing - Theory, News & General
Topic: Smallest market day portfolio change?
Replies: 13
Views: 1521

Re: Smallest market day portfolio change?

I look at it fairly often. I am still pretty new to the Boglehead approach and managing my own accounts, so yes, I like to see what's going on. In early August, I was able to do some substantial TLH, and realign a few accounts with no capital gains. :happy I am dollar cost averaging into the market ...
by Diligent Hands
Mon Sep 16, 2019 9:28 pm
Forum: Investing - Theory, News & General
Topic: Smallest market day portfolio change?
Replies: 13
Views: 1521

Re: Smallest market day portfolio change?

JoMoney,

0.0037% change is pretty good (low).

Rick
by Diligent Hands
Mon Sep 16, 2019 7:28 pm
Forum: Investing - Theory, News & General
Topic: Smallest market day portfolio change?
Replies: 13
Views: 1521

Smallest market day portfolio change?

I looked at my portfolio today and it was down $1.27 from Friday.

Has anyone had a lower absolute market day change?
by Diligent Hands
Mon Aug 05, 2019 10:06 pm
Forum: Personal Investments
Topic: Tax Loss Harvest - IVV for ITOT
Replies: 3
Views: 551

Re: Tax Loss Harvest - IVV for ITOT

Thank you MotoTrojan

I am trading through Fidelity. Is there a way to do a single trade/swap, or will I need to do separate sell and buy actions?
by Diligent Hands
Mon Aug 05, 2019 9:54 pm
Forum: Personal Investments
Topic: Tax Loss Harvest - IVV for ITOT
Replies: 3
Views: 551

Tax Loss Harvest - IVV for ITOT

Apologies in advance as I know this topic has been beat to death. I have read many posts on TLH, but haven't seen this exact comparison (even though I know its out there somewhere :confused). So, is it ok to TLH ITOT - IShares Core S&P Total Stock Market and buy IVV - IShares Core S&P? Thank...
by Diligent Hands
Tue Jul 09, 2019 12:06 am
Forum: Personal Consumer Issues
Topic: (Tall) Buyer Beware: Honda Accord.
Replies: 77
Views: 11041

Re: (Tall) Buyer Beware: Honda Accord.

I am 6'4" and the most comfortable car I have ever owned is my 2006 Corvette. I have taken multiple 1000 mile trips, 15+ hours at a time only stopping for gas and coffee. A Corvette is probably not on your radar screen, but they can be fun and comfortable commuting cars. I commuted 85 miles rou...
by Diligent Hands
Wed May 29, 2019 9:54 pm
Forum: Personal Consumer Issues
Topic: Check my termite quote
Replies: 4
Views: 652

Re: Check my termite quote

Prices sound high, but what type of construction? Concrete slab foundation? Pier and beam? Multiple story? They must be worried about something.

As for inspections....I have found these companies to be totally useless. I find the termites and call the company to come out and spray.
by Diligent Hands
Wed May 29, 2019 9:46 pm
Forum: Personal Consumer Issues
Topic: Recommend under-cabinet range hood?
Replies: 20
Views: 1053

Re: Recommend under-cabinet range hood?

I bought Broan PM390 range hood insert for a project house I am working on. It installed easy enough and draws extremely well on high. It is three speed. If I was buying for my primary home, I'd probably get a variable speed.
by Diligent Hands
Wed May 22, 2019 10:23 pm
Forum: Personal Finance (Not Investing)
Topic: 401k After-tax money...transfer to Roth IRA?
Replies: 9
Views: 765

Re: 401k After-tax money...transfer to Roth IRA?

My plan allows for rolling out just the after-tax contributions and earnings.

Will need to check on my wife's.
by Diligent Hands
Wed May 22, 2019 8:11 pm
Forum: Personal Finance (Not Investing)
Topic: 401k After-tax money...transfer to Roth IRA?
Replies: 9
Views: 765

Re: 401k After-tax money...transfer to Roth IRA?

Thanks all for the advice.

Will get this done asap.
by Diligent Hands
Tue May 21, 2019 11:39 pm
Forum: Personal Finance (Not Investing)
Topic: 401k After-tax money...transfer to Roth IRA?
Replies: 9
Views: 765

Re: 401k After-tax money...transfer to Roth IRA?

I plan on leaving the before-tax for now because I am ok with the investment options and expenses. Can always change my mind later.
by Diligent Hands
Tue May 21, 2019 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Sell condo or rent it?
Replies: 14
Views: 1245

Re: Sell condo or rent it?

Rental property in my opinion is a PITA and not generally something I want to spend time on or deal with the liability. I would sell.
by Diligent Hands
Tue May 21, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: 401k After-tax money...transfer to Roth IRA?
Replies: 9
Views: 765

401k After-tax money...transfer to Roth IRA?

I am in my early sixties and retired from MegaCorp, and have in round numbers $150k of "After-tax" money in my 401k. I plan to transfer trustee (MegaCorp) to trustee (Fidelity) as follows. After-tax total________$150k After-tax contribution__$100k transfer to Roth IRA After-tax earnings___...
by Diligent Hands
Mon May 20, 2019 10:25 pm
Forum: Personal Investments
Topic: Majority of Assets at USAA and Fidelity - where to consolidate
Replies: 8
Views: 905

Re: Majority of Assets at USAA and Fidelity - where to consolidate

I have accounts in both and I prefer USAA for insurance and credit cards. I also have my emergency funds and monthly working funds there.

I am relatively new to Fidelity, but it has better investment options and a better web interface. I have migrated most of my brokerage accounts to Fidelity.
by Diligent Hands
Thu May 09, 2019 9:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing for Stock Grants, spins-offs, and merger?
Replies: 5
Views: 396

Re: Tax filing for Stock Grants, spins-offs, and merger?

Well I think I have the answer from Kiplingers site. "Once you’ve received the shares, they’ll be treated the same as shares purchased on the open market for tax purposes. If you sell them for more than their vesting-date value, you’ll owe capital-gains taxes. (On the other hand, if the value f...
by Diligent Hands
Thu May 09, 2019 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing for Stock Grants, spins-offs, and merger?
Replies: 5
Views: 396

Re: Tax filing for Stock Grants, spins-offs, and merger?

MotoT,

The RSU is just an option from TurboTax to better define the source of the stock.
by Diligent Hands
Thu May 09, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing for Stock Grants, spins-offs, and merger?
Replies: 5
Views: 396

Re: Tax filing for Stock Grants, spins-offs, and merger?

Bloom, I was thinking the way you are, but then TurboTax prompted me to get into the source of the shares. I will do some more research and see what I can find. I might be complicating a simple matter, but when the IRS is involved, I like to follow all the rules whether they are intuitive or not. Ch...
by Diligent Hands
Wed May 08, 2019 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Tax filing for Stock Grants, spins-offs, and merger?
Replies: 5
Views: 396

Tax filing for Stock Grants, spins-offs, and merger?

Still a new Boglehead and trying to clean up a mess that was years in the making. Today's problem Company 'A' granted stock annually for about 15 years. When the stock was awarded, it was reported as income on the W-2 and taxes paid as income. I have all the grant dates and values. So far, so good. ...
by Diligent Hands
Sat Apr 27, 2019 8:16 am
Forum: Personal Investments
Topic: Exchange vanguard funds from individual to joint Account
Replies: 13
Views: 963

Re: Exchange vanguard funds from individual to joint Account

"As to having an individual account for stepped up basis on death, that's not a valid reason. The joint assets would be stepped up on a 50/50 ratio, i.e. 1/2 of each holding."

Interesting. Is there any advantage one way or the other for joint vs individual besides one less account?
by Diligent Hands
Fri Apr 26, 2019 11:13 pm
Forum: Personal Investments
Topic: Exchange vanguard funds from individual to joint Account
Replies: 13
Views: 963

Re: Exchange vanguard funds from individual to joint Account

If the equities were left in the individual account and the OP died before his wife, would these be eligible for cost basis step up when his wife inherited them?
by Diligent Hands
Fri Apr 26, 2019 9:12 pm
Forum: Personal Investments
Topic: Exchange vanguard funds from individual to joint Account
Replies: 13
Views: 963

Re: Exchange vanguard funds from individual to joint Account

I am curious too. I almost did this recently, but backed off.

What are all the ramifications from going from individual to joint account?
by Diligent Hands
Fri Apr 26, 2019 8:42 pm
Forum: Personal Investments
Topic: Money Market Fund Investment Instruments Analysis
Replies: 0
Views: 340

Money Market Fund Investment Instruments Analysis

I am looking for some guidance on how to analyze the instrument composition of various money market funds. I have looked at many posts here about the "best" money market and have reviewed an alphabet soup of funds until I am cross-eyed. The expenses and yield are fairly plain and simple (I...
by Diligent Hands
Wed Mar 27, 2019 10:50 pm
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

I guess it depends on how you define "won the game". How many times projected expenses do you have saved, and what percent of your annual expenses is covered by pension and social security? Also, do you have any other objectives? Do you want to spend as much as possible? Do you want to pa...
by Diligent Hands
Wed Mar 27, 2019 9:32 pm
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

Thanks everyone who replied. I am learning from this thread and many others.
by Diligent Hands
Tue Mar 26, 2019 9:05 am
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

Rus In Urbe wrote: Tue Mar 26, 2019 5:00 am


Knowing me though, in a severe downturn, I'll just want to buy more stocks on sale-----I have to resist that urge!)
My wife and I laughed about your post. It is us in so many ways. :happy
by Diligent Hands
Tue Mar 26, 2019 12:30 am
Forum: Personal Investments
Topic: TD Ameritrade Money Market Options
Replies: 121
Views: 31339

Re: TD Ameritrade Money Market Options

Consistent with the experience of others, I was able to have PTTXX set up as my sweep account. Very easy phone call. I asked about PCOXX, but was told that was not available for sweep accounts.
by Diligent Hands
Mon Mar 25, 2019 11:36 pm
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

Also, your financial advisor - despite making some money off of you - seems to have been classy in the end. Financial advisers aren't all bad. My former advisor is a great guy who made me a lot of money. Did he beat the market? Out perform Bogleheads? Probably not, but he got me into investments th...
by Diligent Hands
Mon Mar 25, 2019 8:54 am
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

blackfish wrote: Mon Mar 25, 2019 7:30 am

If VTSAX goes bankrupt then you have bigger problems than your retirement fund.
I suspect you are right about that.
by Diligent Hands
Mon Mar 25, 2019 8:39 am
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

DH's RMDs and SS cover our basic expenses; a five year-CD ladder is set up with "fun money" because otherwise, given our frugal natures, we might under-spend on pleasure in a market downturn. I'm hedging against that tendency 8-) :D How does the fun money thing work? My wife and I are als...
by Diligent Hands
Mon Mar 25, 2019 8:31 am
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

I retired at 61 with an asset allocation of 60% stock / 40% bond. All of the bonds are in VBTLX (Vanguard Total Bond Market Index Fund) and VWIUX (Vanguard Intermediate-Term Tax-Exempt Fund) in a taxable account. I also have 1 years core expenses in a money market fund as an emergency fund. I have ...
by Diligent Hands
Mon Mar 25, 2019 8:22 am
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

Retired. Have 2/3s of my fixed income in the two Vanguard Tips Funds. The rest in Intermediate T.Fund,Corps. that are in Wellesley Global Fund,savings account, + some EE Savings Bonds that I"ve had for years from former job. Best wishes. Thanks. Tips funds were not on my radar. Something more ...
by Diligent Hands
Mon Mar 25, 2019 8:13 am
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

The concept of no loss and short-term bond funds to carry you to 90 is a pretty cool. Does that include or exclude your SS income? Bet that does help you sleep when things don't look so good. Do you mind sharing the funds that you are using? 1. SS income. Before collecting my SS I based the draw do...
by Diligent Hands
Mon Mar 25, 2019 12:03 am
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

OP welcome to the forum. The two Vanguard funds mentioned, VTSAX (total stock) and VBTLX (total bond) make up the core or foundation funds for a 3 fund portfolio recommended here on the forum. While asset allocation is important, fund placement to minimize tax drag are also important. If you haven'...
by Diligent Hands
Sun Mar 24, 2019 9:19 pm
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

If you have “won the game”, what does your fixed-income component look like? (bonds? CDs? Treasuries, other) What is your AA? I roughly follow Dr. Wm Bernstein's idea of having X years worth of drawdown dollars in "safe" products (my word). My fixed income is about 1/3 in No Loss of Princ...
by Diligent Hands
Sun Mar 24, 2019 9:06 pm
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

My question today for the board is this. If you have “won the game”, what does your fixed-income component look like? (bonds? CDs? Treasuries, other) What is your AA? Diligent Hands: Welcome to the Bogleheads Forum! My fixed income component (one diversified bond fund) is Vanguard Total Market Inde...
by Diligent Hands
Sun Mar 24, 2019 8:52 pm
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

My question today for the board is this. If you have “won the game”, what does your fixed-income component look like? (bonds? CDs? Treasuries, other) What is your AA? Diligent Hands: Welcome to the Bogleheads Forum! My fixed income component (one diversified bond fund) is Vanguard Total Market Inde...
by Diligent Hands
Sun Mar 24, 2019 8:43 pm
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Re: Baby Boglehead - Investing after "winning the game"

The answer to your question is very personal and you will find answers ranging from AAs (Asset Allocations) from 80/20 (80 stocks / 20 bonds) down to 20/80. That is why you need to think about what your portfolio needs to do for you. I can tell you that I semi-retired at 70/30, will go to 60/40 whe...
by Diligent Hands
Sun Mar 24, 2019 2:51 pm
Forum: Personal Investments
Topic: Baby Boglehead - Investing after "winning the game"
Replies: 42
Views: 8405

Baby Boglehead - Investing after "winning the game"

I am a new Boglehead and wish I had been here long ago. Someone last week was lamenting losing $25k in December. I’d be happy if that was all I had lost. I don’t even want to consider the lost opportunity and excessive fees I have paid in the past that even a few hours on this website would have pre...