Search found 18 matches

by F14tuna
Mon Dec 09, 2019 12:05 pm
Forum: Investing - Theory, News & General
Topic: Tax Deferred : Taxable : Tax Free
Replies: 224
Views: 13591

Re: Tax Deferred : Taxable : Tax Free

To neilpilot: sorry, I miss-spoke..... I meant the tax hit (not cap gains) when doing any meaningful Roth conversion, given my portfolio size. Just not sure doing RC passes the common sense test for me, given pensions, etc.
by F14tuna
Sun Dec 08, 2019 10:48 am
Forum: Investing - Theory, News & General
Topic: Tax Deferred : Taxable : Tax Free
Replies: 224
Views: 13591

Re: Tax Deferred : Taxable : Tax Free

82:10:8 Extremely tIRA-heavy, but most likely typical for my age (64). Vast majority of income is traditional pension, and portfolio (all in Vanguard) is approx $750K. Not planning any Roth conversions right now (Fed @ 24%, CA at 6.5%). Just seems not worth the cap gains hit, given that I’ll only ta...
by F14tuna
Fri Nov 29, 2019 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Tax Software
Replies: 9
Views: 884

Re: Advice on Tax Software

Thanks to all for your help. I’m in no hurry to buy if prices drop that much. Also gives the software folks time to make changes.
by F14tuna
Thu Nov 28, 2019 12:05 pm
Forum: Personal Finance (Not Investing)
Topic: Advice on Tax Software
Replies: 9
Views: 884

Re: Advice on Tax Software

Sorry - meant to say MFS.
DW and I have kept everything separate, except our home, as JTWROS.

We’ve been using a CPA to do taxes for the past few years (DW owned a business), but now that she’s retired, thought I’d tackle my own taxes. Can anyone tell me why this would be complicated??
by F14tuna
Thu Nov 28, 2019 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Advice on Tax Software
Replies: 9
Views: 884

Advice on Tax Software

Getting back into doing my own taxes again, after moving to CA several years ago. Seeking advice on the most appropriate software for my situation. Realize this has been a hot topic (primarily for price shoppers), but I just need to decide which level of complexity I need. BTW, most of my experience...
by F14tuna
Thu Oct 17, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: Alternatives to Subaru Outback?
Replies: 84
Views: 9028

Re: Alternatives to Subaru Outback?

Mazda CX-5 in Signature trim would be my pick, unless you really need extra room......
by F14tuna
Thu Oct 17, 2019 11:41 am
Forum: Personal Consumer Issues
Topic: Car waxing/sealant for a newb (not for high level detailing)
Replies: 23
Views: 3552

Re: Car waxing/sealant for a newb (not for high level detailing)

+1 for Nu Finish. I do 2 coats, about 10 days apart, on all my cars, then 1-2 times a year after that. Can’t beat the results.
by F14tuna
Tue May 07, 2019 5:47 pm
Forum: Personal Consumer Issues
Topic: Which US city would you move to?
Replies: 74
Views: 8087

Re: Which US city would you move to?

OP mentioned WY, which I know a bit about. The part about wind is true there, unless you pick: Sheridan. Tucked up against the Bighorn Mtns, little or no wind compared to the rest of WY, old west history and really friendly people. Since you know about WI/MN winters, I won’t waste my breath talking ...
by F14tuna
Mon May 06, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Sofa Purchase
Replies: 11
Views: 1293

Re: Sofa Purchase

Agree with opinions on Ekornes. Also, look at Flexsteel furniture. Very good choice of fabrics and leathers, depending on the piece, and excellent frames. We have a 7-yr old Flexsteel sofa that still feels like new.
by F14tuna
Sat May 04, 2019 8:09 pm
Forum: Personal Consumer Issues
Topic: Luxury car recommendations?
Replies: 107
Views: 10730

Re: Luxury car recommendations?

Do you want 2 or 4 WD?? SUV or sedan?? This will narrow things down. After that, decide if: Acura beats Honda Lexus beats Toyota Infiniti beats Nissan As for German autos (Audi, BMW, Mercedes) - go in with eyes wide open. Talk to specialty repair shops and see what they say. Everything you’ve heard ...
by F14tuna
Thu May 02, 2019 9:45 am
Forum: Personal Consumer Issues
Topic: Questions for Folks that Does Not Need Their 401k/IRA Funds in Retirement
Replies: 67
Views: 5617

Re: Questions for Folks that Does Not Need Their 401k/IRA Funds in Retirement

I’m in exactly the position described. And the notes about unexpected expenses (medical, long term care in particular) are well-taken. That said, I have enough in high yield savings for down payments for each of my 2 children, and decent sized taxable and Roth IRA accounts, with them as beneficiarie...
by F14tuna
Sun Apr 28, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: For those who like travel, when did you retire and where are the most exciting places you travelled to?
Replies: 129
Views: 13219

Re: For those who like travel, when did you retire and where are the most exciting places you travelled to?

We do a lot of international travel - Europe, South Pacific, etc. and we’ve been retired since 2010. love to do river cruises, so far have done the Seine and the Danube. WAY better than large ship cruise lines. BUT, the best trip we’ve taken so far has been Africa.....South Africa for 3 days in Cape...
by F14tuna
Sat Apr 27, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: New Washer - Frontload or HE Top Load
Replies: 77
Views: 11039

Re: New Washer - Frontload or HE Top Load

+1 for Speed Queen. Worth every extra dime you spend....
by F14tuna
Tue Apr 02, 2019 10:00 am
Forum: Personal Investments
Topic: Advice for a newbie Boglehead....
Replies: 8
Views: 1122

Re: Advice for a newbie Boglehead....

Thanks for the thoughts, and also for serving us, on the tip of the spear. Don’t know why, but the thought of paying cap gains on hard-won returns for Roth conversions seems counter-intuitive. And painful. I suspect anything sizable would throw me into a crazy tax bracket as well. But your thoughts ...
by F14tuna
Mon Apr 01, 2019 4:25 pm
Forum: Personal Investments
Topic: Advice for a newbie Boglehead....
Replies: 8
Views: 1122

Re: Advice for a newbie Boglehead....

Thanks Taylor - I guess my strategy to keep a 65/35 allocation overall might be to rebalance in my IRA accounts.
by F14tuna
Mon Apr 01, 2019 3:59 pm
Forum: Personal Investments
Topic: Advice for a newbie Boglehead....
Replies: 8
Views: 1122

Re: Advice for a newbie Boglehead....

Thanks very much for the response. Have seriously considered both Lifestyle and Retirement Date Funds. What are your thoughts regarding my last question, ie, where to invest “new money” in my taxed account. It would seem that a mix of Total Stock Mkt and Total Int’l Mkt would fit my goals for the ac...
by F14tuna
Mon Apr 01, 2019 8:07 am
Forum: Personal Investments
Topic: Advice for a newbie Boglehead....
Replies: 8
Views: 1122

Advice for a newbie Boglehead....

New to this Forum....and thankful for so much sage advice on everything from soup to nuts. Looking for some, re my situation: Retired military, age 63, married. Own my house, with a pension and SS, which provide me with more than enough to pursue a great lifestyle with my wife, who’s also retired, h...