Search found 25 matches

by Carolina Shagger
Tue Mar 31, 2020 9:00 am
Forum: Personal Investments
Topic: Tax Loss Harvesting and Qualified Dividends
Replies: 2
Views: 207

Tax Loss Harvesting and Qualified Dividends

I am trying to get my head around Tax Loss Harvesting and its effect upon Qualified Dividends. I am planning on selling SCHB and buying VTI as its replacement. I last purchased 187 shares of SCHB on 2/25/2020. I have lots more shares that I previously purchased. As I understand the Qualified Dividen...
by Carolina Shagger
Fri Mar 13, 2020 5:59 am
Forum: Personal Investments
Topic: TLH: switching fund from "reinvest" cap gains
Replies: 5
Views: 344

Re: TLH: switching fund from "reinvest" cap gains

The + or - 30 day issue only applies if you are buying the same thing. Removing automatic investing prevents you from mistakenly buying or selling within that 60 day window. It may be that you haven't had any automatic investments within the past 30 days but this prevents errors going forward. When ...
by Carolina Shagger
Fri Mar 13, 2020 5:46 am
Forum: Personal Investments
Topic: How much TLH is too much TLH?
Replies: 21
Views: 1921

Re: How much TLH is too much TLH?

I guess there may be a practical limit but I'm not sure what it would be. I take them whenever I can. If you have picked your TLH partner correctly there really isn't a downside. I never know when I may need to tap into my funds. This past year two of my children needed some money for home purchases...
by Carolina Shagger
Mon Feb 24, 2020 6:52 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Harvesting and Vanguard Portfolio Watch
Replies: 1
Views: 211

Tax Loss Harvesting and Vanguard Portfolio Watch

With the market wobbling around I was thinking of doing some tax loss harvesting. Since trades are now free it can make sense to do this more often than previously. I use SCHB as my pair for VTI as the Bogleheads Wiki suggests. When I substitute SCHB for VTI in Vanguard's Portfolio Watch it skews my...
by Carolina Shagger
Thu Aug 08, 2019 9:53 pm
Forum: Personal Investments
Topic: Vanguard customer service
Replies: 44
Views: 2550

Re: Vanguard Customer Service Recently

I received an e-mail from Vanguard a couple of days ago stating that as of September 2019 I will no longer have an assigned Flagship Representative. Allegedly I will receive better service. They tried this a couple of years ago and for me it was a disaster. Their team of experts was anything but. I ...
by Carolina Shagger
Thu Mar 14, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Army Reserves at 41 as an MI Captain
Replies: 7
Views: 1739

Re: Army Reserves at 41 as an MI Captain

I was on active duty only a couple of years then spent another 26 years in the Reserve. I was an officer. I was both in TPUs and also an IMA. Some TPUs required very little additional time as I had great first sergeants and full time technicians. Other TPU assignments required a lot more time. I com...
by Carolina Shagger
Fri Mar 08, 2019 7:20 am
Forum: Personal Finance (Not Investing)
Topic: Do We Need to File State Income Tax Returns?
Replies: 21
Views: 1542

Re: Do We Need to File State Income Tax Returns?

Unfortunately you probably will need to file state income taxes. Check each state's requirements. Virginia's minimum requirement used to be $400 income per year. Some states are especially aggressive about this. Missouri asked my employer for a list of those employees who worked in the state. Althou...
by Carolina Shagger
Thu Jan 03, 2019 11:07 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 701
Views: 21056

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST

2303.89

And boy do I hope I'm wrong (too low).
by Carolina Shagger
Fri Jul 20, 2018 7:58 pm
Forum: Personal Finance (Not Investing)
Topic: How Unclaimed Property Laws Can Affect Retirees
Replies: 36
Views: 3819

Re: How Unclaimed Property Laws Can Affect Retirees

I had WF flag one of my checking accounts as possibly inactive. My son makes ACH transfers into this account twice a month (he is repaying a loan). I went into the bank and was told this was not "activity" as on-line transactions do not count as activity. You have to physically go into a bank and ma...
by Carolina Shagger
Tue Jun 12, 2018 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Estimated Tax Penalty - Safe Haven
Replies: 7
Views: 1191

Re: Avoiding Estimated Tax Penalty - Safe Haven

Thank you for all your comments. Perhaps I misunderstood my Vanguard representative regarding withholding. In any case as has been pointed out I can take multiple bites of the RMD apple to get the proper amount of withholding or just calculate the correct percentage, as long as it is over 10% (it wi...
by Carolina Shagger
Mon Jun 11, 2018 11:26 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding Estimated Tax Penalty - Safe Haven
Replies: 7
Views: 1191

Avoiding Estimated Tax Penalty - Safe Haven

I think I have this right but I want to run it by the Bogleheads to make sure. For the ET safe haven I believe there will not be any penalty if: a) you pay a total of 100% of the previous year’s tax liability (110 % if your AGI is over $150,000) and b) you make 4 equal estimated tax payments. I also...
by Carolina Shagger
Sun Oct 08, 2017 9:14 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 86
Views: 10123

Re: Password Protection

I originally started this (most recent) thread and have appreciated all the responses, even those that have gone over my head. After doing some "research" I'm firmly convince what others have echoed that I definitely need to do this. I understand the principle of different, hard to crack, passwords ...
by Carolina Shagger
Fri Oct 06, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 86
Views: 10123

Re: Password Protection

Thank you for all your responses. I admit I am leery of the cloud (isn't that just someone else's computer?). I like the possibility of linking the computers in-house via our Wi-Fi network. I admit I am late to the party on this as I have had my identity stolen and used at least twice (once to file ...
by Carolina Shagger
Fri Oct 06, 2017 9:01 am
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 86
Views: 10123

Password Protection

With all the latest news about accounts being hacked, can someone recommend a good program that will create, and hopefully remember, different strong passwords for different accounts? Since I use two different computers will the program allow me to go from one computer to another or does the informa...
by Carolina Shagger
Tue Oct 03, 2017 8:59 pm
Forum: Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 42590

Re: Vanguard Customer Service

<t>I too am a long time Vanguard customer. I used to be so impressed with Vanguard that I encouraged my sister to open up a Vanguard account and my significant other to transfer all her assets to Vanguard. When I would call my flagship representative he would actually answer the phone. That was then...
by Carolina Shagger
Sun Aug 13, 2017 7:31 am
Forum: Personal Consumer Issues
Topic: What home task(s) are worth learning to do yourself?
Replies: 46
Views: 6655

Re: What home task(s) are worth learning to do yourself?

In addition to finding out what electrical breakers feed what outlets, switches, lights, appliances, etc. I would highly recommend determining the location of all GFCI's in the house and all receptacles that are downstream of them. On several occasions I have been called to fix a dead receptacle whe...
by Carolina Shagger
Mon Aug 15, 2016 10:07 pm
Forum: Personal Finance (Not Investing)
Topic: USAA worth it?
Replies: 23
Views: 4706

Re: USAA worth it?

I have been a long time USAA member and at this point I would say USAA is not worth it. They used to be a much different company with excellent rates and service but I have to say some of my most recent dealings with them have been ordinary at best. They have become just another company - nothing sp...
by Carolina Shagger
Sun Jul 24, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Canada vacation
Replies: 45
Views: 5746

Re: Canada vacation

I used to live in Montreal and took a Gray Line tour with some out of town guests and loved it. Well worth the money.
by Carolina Shagger
Sun Jul 17, 2016 9:43 pm
Forum: Personal Consumer Issues
Topic: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]
Replies: 81
Views: 14392

Re: Electric Bills Killing Me from AC. Need Advice. [Air Conditioner]

Just a couple of thoughts here: Coils can freeze up in a properly operating system if you shut so many vents off that you restrict the air flow across the coil. Coils will also freeze up if the Freon charge is low. Checking the Freon charge is a very quick operation. If you are low on Freon it means...
by Carolina Shagger
Sun Jul 17, 2016 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: State income tax question
Replies: 16
Views: 2110

Re: State income tax question

States that have income tax expect you to file a non-resident income tax form for income earned in that state regardless of residency or withholding. Some states have a threshold amount before you have to file a tax form (I believe Virginia is $400). So if you work in a number of states you will hav...
by Carolina Shagger
Wed Sep 02, 2009 12:31 pm
Forum: Personal Investments
Topic: Help in completely redoing portfolio
Replies: 1
Views: 778

Help in completely redoing portfolio

Hi, I’m looking for help on my investments. I have recently had lots of time on my hands (read underemployed, having worked only 15 days in the last three months) and have started tackling my investments. As you’ll see they are a real hodge-podge but each investment seemed like a good idea at the ti...
by Carolina Shagger
Wed Sep 02, 2009 7:39 am
Forum: Personal Investments
Topic: Tax Loss Harvesting
Replies: 7
Views: 1371

Thanks all for your advice. I harvested my losses yesterday but did not sell any of my positions with gains to offset them. Your advice about this certainly made sense to me. Now on to simplifying my portfolio!
by Carolina Shagger
Tue Sep 01, 2009 11:17 am
Forum: Personal Investments
Topic: Tax Loss Harvesting
Replies: 7
Views: 1371

Thank you for your replies. mfen: Actually I have 7 Vanguard funds with long term losses. I also have 3 Vanguard funds with long term capital gains, totaling $24K. As it turns out the 3 funds are identical to 3 of those with losses, they are just in different individual accounts. The 3 that have gai...
by Carolina Shagger
Tue Sep 01, 2009 8:36 am
Forum: Personal Investments
Topic: Tax Loss Harvesting
Replies: 7
Views: 1371

Tax Loss Harvesting

Hi all. I’m hoping to get some advice about tax loss harvesting. I was talking to a Vanguard financial advisor yesterday regarding simplifying my portfolio and he noticed I have a lot of paper losses and wondered if I was going to do some tax loss harvesting. I did a lot of reading last night about ...
by Carolina Shagger
Mon Aug 10, 2009 5:59 am
Forum: Personal Investments
Topic: Help regarding bond fund selection
Replies: 6
Views: 1605

Help regarding bond fund selection

Hello Everyone, I’m looking for some help regarding bonds. Back in 2006 Vanguard did a free financial plan for me. Their bottom line recommendation for a 60 Stock/40 Bond mix was: Stock: 60% Large: 34% Mid/Small: 14% International: 12% Bonds: Short term: 14% Intermediate term: 14% Long Term/High Yie...