Search found 99 matches

by bfeenix44
Mon Oct 12, 2020 10:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4687
Views: 1289678

Re: What Book Are You Currently Reading? Part VI

Hurricane Season by Fernanda Melchior: The English-language debut of one of the most thrilling and accomplished young Mexican writers...Longlisted for the National Book Award...Shortlisted for the Booker Prize...Winner of the Internationaler Literaturpreis. Breath: The New Science of a Lost Art by J...
by bfeenix44
Mon Oct 12, 2020 10:00 pm
Forum: Personal Consumer Issues
Topic: Favorite Horror Books
Replies: 40
Views: 2177

Re: Favorite Horror Books

The Passage by Justin Cronin
by bfeenix44
Thu Oct 08, 2020 10:12 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4687
Views: 1289678

Re: What Book Are You Currently Reading? Part VI

Pulitzer Prize winner, "The Overstory."
Love it.
by bfeenix44
Wed Sep 16, 2020 2:02 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn, stock allocation before / after retirement
Replies: 40
Views: 6546

Re: Jane Bryant Quinn, stock allocation before / after retirement

I love this forum.
It has really boosted my confidence and lowered my investing anxiety.

It's pure gold research outsourcing!!

tamara
by bfeenix44
Sat Sep 12, 2020 11:20 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn, stock allocation before / after retirement
Replies: 40
Views: 6546

Re: Jane Bryant Quinn, stock allocation before / after retirement

This had been very interesting... Thank you to all who have replied so far.

tamara
by bfeenix44
Wed Sep 09, 2020 10:24 am
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn, stock allocation before / after retirement
Replies: 40
Views: 6546

Re: Jane Bryant Quinn, stock allocation before / after retirement

Appreciate everyone's feedback and references to further discussions. I'm aware these decisions are based on individual circumstances, as well as market conditions toward being closer to retirement. I'm 58, don't really plan on retiring or taking social security until age 70, but that's only a decad...
by bfeenix44
Tue Sep 08, 2020 4:58 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn, stock allocation before / after retirement
Replies: 40
Views: 6546

Re: Jane Bryant Quinn, stock allocation before / after retirement

Here are some previous discussions of this: https://www.google.com/search?sitesearch=bogleheads.org&q=bond+tent and a broader discussion of the problem it tries to solve, if it is a problem: https://www.google.com/search?sitesearch=bogleheads.org&q=seqjuence+of+returns+risk My own view is that sequ...
by bfeenix44
Tue Sep 08, 2020 2:48 pm
Forum: Investing - Theory, News & General
Topic: Jane Bryant Quinn, stock allocation before / after retirement
Replies: 40
Views: 6546

Jane Bryant Quinn, stock allocation before / after retirement

I first heard of Bogleheads from financial journalist, Jane Bryant Quinn. Her comments in the linked interview mention reducing stock allocation toward retirement, but then gradually increasing it again afterward? I would be interested in hearing some BH opinions on this -- thanks. https://www.forbe...
by bfeenix44
Thu Sep 03, 2020 7:46 am
Forum: Personal Consumer Issues
Topic: Where to buy disinfectant wipes?
Replies: 33
Views: 2030

Re: Where to buy disinfectant wipes?

Buy any wipe that's in a re-sealable, pop-top packet and pour in your own disinfectant.
by bfeenix44
Sat Jul 18, 2020 11:50 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1230
Views: 131391

Re: Jack Bogle - Two Fund Portfolio

Bogleheads - For those Bogleheads that invest in the Two Fund Portfolio, I am interested to hear your thoughts, experiences, and perspectives regarding the roller coaster ride of the markets this year. How have you done? Have you stayed the course? Rebalanced? Please share! I'm a newbie to indexea ...
by bfeenix44
Sat Jul 11, 2020 8:32 am
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s

EDITED TO ADD: My intent is to eventually move all to Vanguard within the coming year. Personally, I'd call Vanguard and inquire which of the assets can be moved over in-kind, and them move all of those over immediately, or at least once the folks get an account established. Then, I'd look at anyth...
by bfeenix44
Mon Jul 06, 2020 6:04 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s

EDITED TO ADD: My intent is to eventually move all to Vanguard within the coming year. Personally, I'd call Vanguard and inquire which of the assets can be moved over in-kind, and them move all of those over immediately, or at least once the folks get an account established. Then, I'd look at anyth...
by bfeenix44
Mon Jul 06, 2020 6:01 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Individual Muni Bonds (Ed Jones taxable)

I've been reading a lot of threads about various bond concerns, and I'm just wondering if there is somewhere I can read about the folks' individual Muni Bonds (below) to see if I should be concerned about them? In other words, can a person see somewhere whether a municipality / project is at risk p...
by bfeenix44
Mon Jul 06, 2020 6:01 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Individual Muni Bonds (Ed Jones taxable)

I've been reading a lot of threads about various bond concerns, and I'm just wondering if there is somewhere I can read about the folks' individual Muni Bonds (below) to see if I should be concerned about them? In other words, can a person see somewhere whether a municipality / project is at risk p...
by bfeenix44
Mon Jul 06, 2020 5:58 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s

I don't have any input beyond what others had said, but what a good person you must be for taking care of your parents as you are. And your thoughtful replies to the posts made here just reinforce that opinion. Thanks for the kind comments...my mom spent 3 days in hospital this past week, and I con...
by bfeenix44
Mon Jul 06, 2020 5:54 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Individual Muni Bonds (Ed Jones taxable)

I do plan on moving all to Vanguard in the coming year...just learning a lot right now and want to be confident in my decisions. Thanks :beer You have done your parents a great service. I don't think you need it for the long haul, but you might think about using Vanguard's Personal Advisor Service ...
by bfeenix44
Mon Jul 06, 2020 4:18 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Individual Muni Bonds (Ed Jones taxable)

I've opened a Vanguard account for new money for my folks. I've also made changes to the Ed Jones account to take all interest, dividends, and capital gains distributions in cash (providing they will be able to stay in the lower 12% tax bracket). I will be redirecting those to the Vanguard account....
by bfeenix44
Mon Jul 06, 2020 1:54 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Individual Muni Bonds (Ed Jones taxable)

I've opened a Vanguard account for new money for my folks. I've also made changes to the Ed Jones account to take all interest, dividends, and capital gains distributions in cash (providing they will be able to stay in the lower 12% tax bracket). I will be redirecting those to the Vanguard account.....
by bfeenix44
Mon Jun 15, 2020 8:13 am
Forum: Personal Investments
Topic: Where put cash for 96-year-old folks?
Replies: 17
Views: 2230

Re: Where put cash for 96-year-old folks?

Thanks to all for the replies. Yes, the EdJ fees are a thorn in my side, and I'd like to start unwinding some things, but it may be a slower process. I took to heart many of the advice offerings in my original post here... https://www.bogleheads.org/forum/viewtopic.php?f=1&t=315263&p=5265654#p526565...
by bfeenix44
Sun Jun 14, 2020 1:03 pm
Forum: Personal Investments
Topic: Where put cash for 96-year-old folks?
Replies: 17
Views: 2230

Where put cash for 96-year-old folks?

In a previous thread I asked advice on folks' Ed Jones portfolio, and after much consideration of that advice we have decided keeping it "as is" is the best decision for us currently. I do plan on taking things out as they mature (i.e. CDs, Muni bonds), and may open a Vanguard account for them as th...
by bfeenix44
Thu May 28, 2020 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 66
Views: 7419

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

There are already items in the paper warning people not to throw away their junk mail. I see disaster lurking. I realize there is a horns-of-the-dilemma situation there--you wouldn't want the IRS to send out sparkly envelopes saying "$$$ CARE$ debit card enclo$ed!" But why didn't they publicize the...
by bfeenix44
Thu May 28, 2020 3:36 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 66
Views: 7419

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

I’d wager the Nigerian scammers are having a field day with this, since they don’t even need a bank account to launder. Get the IRS refund, go buy some gift cards, call it a day. If what was posted above is true (cards were sent to people without banking information on file) I would be curious as t...
by bfeenix44
Thu May 28, 2020 3:31 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 66
Views: 7419

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

... I finalized my account as directed on www.epicard.com and directed it to transfer the full amount of the stimulus funds to one of my bank accounts. When I directed the account to transfer the total amount it failed and stated that the amount was not allowed. The piece of printed mail included i...
by bfeenix44
Thu May 28, 2020 7:35 am
Forum: Personal Consumer Issues
Topic: Software advice needed: remote tech assistance
Replies: 10
Views: 748

Re: Software advice needed: remote tech assistance

Ask your manager to run this remote service by HR and legal resource (if you have it). Make sure your company formally reviews and approves of this process. Taking over a computer that isn't company hardware, ie. a system owned by a private citizen, not an employee, not a customer who has signed li...
by bfeenix44
Wed May 27, 2020 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 66
Views: 7419

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

... I finalized my account as directed on www.epicard.com and directed it to transfer the full amount of the stimulus funds to one of my bank accounts. When I directed the account to transfer the total amount it failed and stated that the amount was not allowed. The piece of printed mail included i...
by bfeenix44
Wed May 27, 2020 9:36 pm
Forum: Personal Consumer Issues
Topic: Software advice needed: remote tech assistance
Replies: 10
Views: 748

Re: Software advice needed: remote tech assistance

Thanks for the suggestions!
by bfeenix44
Tue May 26, 2020 6:38 am
Forum: Forum Issues and Administration
Topic: How search a two-word phrase?
Replies: 7
Views: 1259

Re: How search a two-word phrase?

Sandtrap wrote: Mon May 25, 2020 4:51 pm Also
+must.
For must have that word over other words.(plus sign)
-omit
For words to leave out (minus sign)
And combine either of them plus “quotes” to narrow a search.
+EJ
“Edward Jones”

j🌺
Thanks!
by bfeenix44
Mon May 25, 2020 3:43 pm
Forum: Personal Consumer Issues
Topic: Software advice needed: remote tech assistance
Replies: 10
Views: 748

Software advice needed: remote tech assistance

I work for a rural library and the Director has asked me to look into software we could use to remotely assist patrons in learning to navigate our web site, social media pages, online resources, etc. I'd like to avoid taking control of their computer, and also I don't think we want to use cameras fo...
by bfeenix44
Mon May 25, 2020 3:10 pm
Forum: Forum Issues and Administration
Topic: How search a two-word phrase?
Replies: 7
Views: 1259

Re: How search a two-word phrase?

OFCOL...
Thanks all.
I was trying different things in the Bogleheads searcher... just hadn't tried a general Google search.

I usually only make simple things hard on holidays.
:oops:
by bfeenix44
Mon May 25, 2020 12:58 pm
Forum: Forum Issues and Administration
Topic: How search a two-word phrase?
Replies: 7
Views: 1259

How search a two-word phrase?

Is there a way to search a two-word phrase, for example "sell Muni" where the query will return results only with those words together? Not returning all with just "sell" or just "Muni"?

I haven't been successful with my attempts so far...

thanks
by bfeenix44
Mon May 25, 2020 6:42 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 183
Views: 10289

Re: Tips to stick to a weight loss diet?

What has worked for me personally is cutting out carbs (with a concomitant increase in fat intake). AKA keto. This has allowed me to eat as much as I want without thinking about calories and I always feel satiated, full, and energetic. And my blood test numbers all improved. Ditto....LCHF worked fo...
by bfeenix44
Mon May 25, 2020 6:34 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 183
Views: 10289

Re: Tips to stick to a weight loss diet?

I guess a better question is, what are some tips to help stick to a weight loss (and then maintenance) way of eating? I do not want this discussion turning into medical advice that will get this locked. It's so easy to give into temptation. Any suggestions? Listen to “The Obesity Code“ on Audible. ...
by bfeenix44
Sun May 24, 2020 11:49 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle - Two Fund Portfolio
Replies: 1230
Views: 131391

Re: Jack Bogle - Two Fund Portfolio

You have presented some very good options that are simple and effective. I prefer the simplicity of Jack Bogle's and Warren Buffett's Two Fund Portfolio. It has worked well even with the most recent downturn. I regularly follow "The Calm Post" thread and this "Two Fund Portfolio" thread. Lately, I'...
by bfeenix44
Sun May 24, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 66
Views: 7419

Re: Something Fishy Here?? [CARES payment received via prepaid Visa]

... I finalized my account as directed on www.epicard.com and directed it to transfer the full amount of the stimulus funds to one of my bank accounts. When I directed the account to transfer the total amount it failed and stated that the amount was not allowed. The piece of printed mail included i...
by bfeenix44
Sun May 24, 2020 12:05 pm
Forum: Personal Consumer Issues
Topic: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!
Replies: 81
Views: 3832

Re: First Time Car Buyer Needs Help. HELP ME PLEASE! Thank you!

I had a very good experience using this: https://fightingchance.com/ I was buying new model / new car so it gave me a much better understanding of the numbers and negotiations behind buying a car. I knew what I was looking for and what I was willing to spend, so it helped me put MY OWN numbers toget...
by bfeenix44
Thu May 21, 2020 9:12 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s

since OP mentioned that they were currently in Zero bracket, at this time, an conventional IRA to Roth IRA up to the limit of the bracket could make sense. (usually the individuals are at some non-zero level, wherein the costs (taxes paid) won't be made up for in deferral). (usually a blended W/D a...
by bfeenix44
Thu May 21, 2020 9:09 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones to Vanguard for folks in mid-90s

For example, if the Edward Jones account is tax-deferred, start withdrawing funds now at the lower MFJ tax rate and placing them in a regular brokerage account so that the survivor could draw those funds mostly tax free. For funds not immediately needed to pay expenses, isn’t Roth conversion strict...
by bfeenix44
Thu May 21, 2020 8:44 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s

I think, make sure EJ does not buy or sell without your advance knowledge and approval. Be cautious about any change in EJ representative. The next one may be worse. As the municipal bonds mature, replace them with CDs or other fixed income. Muni are not appropriate in the 12% tax bracket. Several ...
by bfeenix44
Thu May 21, 2020 12:46 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s

I think, make sure EJ does not buy or sell without your advance knowledge and approval. Be cautious about any change in EJ representative. The next one may be worse. As the municipal bonds mature, replace them with CDs or other fixed income. Muni are not appropriate in the 12% tax bracket. Several ...
by bfeenix44
Wed May 20, 2020 10:28 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones to Vanguard for folks in mid-90s

I'm sorry if I missed this, but is the Edward Jones account taxable or tax-deferred? I am just thinking that when one of your parents dies, that will leave the other in the single tax bracket. I don't know if the survivor would have the same pension amount every month. Sorry, if this isn't part of ...
by bfeenix44
Tue May 19, 2020 1:39 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s

Your care for your parents is admirable. My basic suggestions would be to just make sure there are no changes to the Edward Jones account holdings or fee structures without your being consulted and giving your okay. I am concerned that the pruning accident could be indicative that you already have ...
by bfeenix44
Tue May 19, 2020 1:33 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s

I'm newly aware that when one parent dies, only half the account is stepped up in cost basis -- has anyone seen how this works? tamara I'll take a shot, but maybe missing your specific question. 1st of all, not all assets will get a stepped up basis. For example, the annuities. But for the taxable ...
by bfeenix44
Tue May 19, 2020 7:55 am
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s

I'm newly aware that when one parent dies, only half the account is stepped up in cost basis -- has anyone seen how this works?

tamara
by bfeenix44
Tue May 19, 2020 7:45 am
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones to Vanguard for folks in mid-90s

I'm sorry if I missed this, but is the Edward Jones account taxable or tax-deferred? I am just thinking that when one of your parents dies, that will leave the other in the single tax bracket. I don't know if the survivor would have the same pension amount every month. Sorry, if this isn't part of ...
by bfeenix44
Tue May 19, 2020 7:40 am
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones to Vanguard for folks in mid-90s

Yes I'd probably leave it too. If you start reorganising now you'd need to be careful with capital gains so as to not trigger a lot of tax consequences. It is much easier to reorganise when it is in the hands of the heirs. You probably would rather be spending your time with them doing other things...
by bfeenix44
Mon May 18, 2020 11:32 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones to Vanguard for folks in mid-90s

At their ages I'd leave things as they are for now. You don't want to risk making changes that might upset them. Plus you might be in the middle of the reorganization and find yourself without authority to complete it if they pass on first. But you can start familiarizing yourself with everything a...
by bfeenix44
Mon May 18, 2020 11:30 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones to Vanguard for folks in mid-90s

I'm the guardian and conservator for my mother, who is deep in dementia. Her assets are with Ameriprise, which has a local representative Mom worked with for years. When it became necessary for me to take the responsibility, I had recently finished the process of consolidating my assets at Vanguard...
by bfeenix44
Mon May 18, 2020 11:28 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones to Vanguard for folks in mid-90s

At their ages I'd leave things as they are for now. You don't want to risk making changes that might upset them. Plus you might be in the middle of the reorganization and find yourself without authority to complete it if they pass on first. But you can start familiarizing yourself with everything a...
by bfeenix44
Mon May 18, 2020 11:27 pm
Forum: Personal Investments
Topic: Requesting advice: Ed Jones (taxable) to Vanguard for folks in mid-90s
Replies: 47
Views: 3098

Re: Requesting advice: Ed Jones to Vanguard for folks in mid-90s

My understanding is that no capital gains taxes are paid in their tax bracket. Not for federal, but if Iowa is like most states the state tax rate applies. They have a couple of small annuities which they plan to cash before they annuitize (they have done this with other similar annuities in the pa...
by bfeenix44
Mon May 18, 2020 2:55 pm
Forum: Personal Investments
Topic: Municipal bonds - concerns?
Replies: 31
Views: 2661

Re: Municipal bonds - concerns?

FOLKS' FULL PROFILE POST NOW AT THIS LINK:
viewtopic.php?f=1&t=315263

Thanks for the advice and suggestions on the muni funds -- the full portfolio post is now up at the above link!

tamara