Search found 1510 matches

by hudson
Mon Nov 19, 2018 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 43
Views: 4100

Yes...as needed

I try to live off of my income, but I tap my principal as needed. I think that many people try to protect their principal because they're worried about running out. I keep a basic spreadsheet that summarizes my holdings. I have a column to the right of the total principal that shows 3% of the princi...
by hudson
Sun Nov 18, 2018 4:48 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased year RMD of inherited IRA
Replies: 41
Views: 11521

Re: Deceased year RMD of inherited IRA

Thanks again Alan S! Again...there were 5 beneficiaries...and 4 IRAs Three of the beneficiaries cashed one IRA and transferred the other three IRAs to an Inherited IRA. We count the cash from one IRA as part of our distribution. Another beneficiary cashed two IRAs and transferred two. I'm recommendi...
by hudson
Wed Nov 14, 2018 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Satisfied with 3% Returns for the last 10 years of working?
Replies: 13
Views: 2140

Re: Satisfied with 3% Returns for the last 10 years of working?

are there others that go ultra conservative at 10 years prior to retirement because they just can't stomach any loss? Thank you. Yes, except it was about 5 years before. I like intermediate bonds...taxable and non-taxable and CDs. I hope to beat inflation by one percent if possible. If stocks drop ...
by hudson
Wed Nov 14, 2018 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Satisfied with 3% Returns for the last 10 years of working?
Replies: 13
Views: 2140

duplicate

duplicate delete
by hudson
Tue Nov 13, 2018 11:13 pm
Forum: Personal Finance (Not Investing)
Topic: Deceased year RMD of inherited IRA
Replies: 41
Views: 11521

RMD for owner of Inherited IRA...year of death 2018

Let's say that there are 5 beneficiaries of 4 Inherited IRAs (I-IRA). All beneficiaries have transferred 3 of the I-IRAs into their accounts. All beneficiaries cashed the smallest I-IRA. Let's say that each received $2000...that's a total of $10,000. Let's say that the correct TOTAL RMD amount for t...
by hudson
Fri Nov 09, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Penfed Rewards Card - Gas purchase rewards question
Replies: 21
Views: 1124

Re: Penfed Rewards Card - Gas purchase rewards question

I've had the Penfed Platinum Rewards Visa Signature for years. I just checked; it still gives 3 points for groceries and 5 points for gas.
I redeem with an Amazon egift card. It takes 2940 points to get a $25 gift card.
I do have Penfeds CDs until the end of January.
by hudson
Thu Nov 08, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: PenFed new savings rates
Replies: 19
Views: 2256

Re: PenFed new savings rates

I have 60 month CDs with Penfed maturing in January. There is no way I would renew with that EWP. Me too...except mine is in Dec. Penfed is out. I'd rather go with Vang. Intermed. Muni....VWIUX... which is distributing around 2.8%...or maybe a brokered CD like 949763VK9 Wells Fargo Bk N A Sioux Fal...
by hudson
Mon Nov 05, 2018 9:44 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 113
Views: 9080

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

...I plan to wait for an email until Nov. 9th since I've been getting emails for several years. If not I'll call them and ask for the $30 deal that you got. Of course, I'll also shop around. I would recommend calling them Monday or Tuesday and see what you can negotiate while pre-order pricing is s...
by hudson
Sun Nov 04, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 113
Views: 9080

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

...I plan to wait for an email until Nov. 9th since I've been getting emails for several years. If not I'll call them and ask for the $30 deal that you got. Of course, I'll also shop around. I would recommend calling them Monday or Tuesday and see what you can negotiate while pre-order pricing is s...
by hudson
Sun Nov 04, 2018 8:31 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 113
Views: 9080

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

I used their software last year, but I haven't gotten any email. :annoyed same here...no email Did you purchase it from H&R Block or somewhere else? I purchased my 2017 copy from Amazon. Perhaps they sent me an email with a reduced price to get my business directly? It makes sense. LadyGeek: After ...
by hudson
Sat Nov 03, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 113
Views: 9080

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

nisiprius wrote:
Sat Nov 03, 2018 6:13 pm
I used their software last year, but I haven't gotten any email. :annoyed
same here...no email
by hudson
Fri Nov 02, 2018 6:22 am
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe Federal + State $29.95
Replies: 113
Views: 9080

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Since I purchased the 2017 version of H&R Block tax software, I just received an email with a link to pre-order the 2018 version for $29.95. The "full" price is $54.95, so this is $25 off for ordering early. The 2018 software is estimated to be released and available for download on 11/9/18. There ...
by hudson
Tue Oct 30, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Second thoughts about munis (wsj article)
Replies: 47
Views: 3922

Re: Second thoughts about munis (wsj article)

Here are Larry Swedroe's comments from 2014 on Muni safety:

viewtopic.php?p=1985377#p1985377
by hudson
Tue Oct 30, 2018 1:56 pm
Forum: Investing - Theory, News & General
Topic: Second thoughts about munis (wsj article)
Replies: 47
Views: 3922

Re: Second thoughts about munis (wsj article)

columbia wrote:
Sun Oct 28, 2018 11:16 am
I believe that Mr. Swedroe wrote an article on which states to avoid; the question would be does your fund avoid them?
Here it is... viewtopic.php?p=3058049#p3058049
by hudson
Sun Oct 28, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: Second thoughts about munis (wsj article)
Replies: 47
Views: 3922

Re: Second thoughts about munis (wsj article)

The key is to buy AAA/AA munis. AAA/AA munis had a miniscule default rate during the great depression according to a congressionally sponsored study.
by hudson
Fri Oct 26, 2018 9:21 pm
Forum: Personal Consumer Issues
Topic: "Donating" unused family burial "spots"
Replies: 21
Views: 1740

Re: "Donating" unused family burial "spots"

donall, my case sounds like your contribution..."ownership over the generations can get fractured with great, great, grandchildren."

I updated my post:

viewtopic.php?p=4184428#p4184428
by hudson
Fri Oct 26, 2018 1:25 pm
Forum: Personal Consumer Issues
Topic: "Donating" unused family burial "spots"
Replies: 21
Views: 1740

Re: "Donating" unused family burial "spots"

dm200, These weren't part of a will or estate. I'm going by what the cemetery administrator told me I had to do to donate the remaining space back to the city. I only knew about the plots because somebody looked through my father's papers and found and envelope with a cemetery deed inside. I would h...
by hudson
Fri Oct 26, 2018 11:50 am
Forum: Personal Consumer Issues
Topic: "Donating" unused family burial "spots"
Replies: 21
Views: 1740

Re: "Donating" unused family burial "spots"

Thanks for starting this discussion. I have a city cemetery deed dated 1931; the cemetery is 800 miles away. My great uncle mailed it to my father a few years before he passed away. The cemetery was still active; I called; the superintendent answered the phone. He said that 3 of the 4 grave location...
by hudson
Thu Oct 25, 2018 12:13 pm
Forum: Investing - Theory, News & General
Topic: What's Your Fixed Income Strategy?
Replies: 89
Views: 8643

Re: What's Your Fixed Income Strategy?

I read Dr. Wm Bernstein's idea of having enough "safe" products for 20-25 years worth of drawdown dollars - and the rest invest any way you want even 100% stocks. That idea of securing your retirement funding first, then deciding on how to allocate the rest made sense to me. I vote for the above. I...
by hudson
Wed Oct 24, 2018 4:05 pm
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 4753

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

For taxable, I go with VWIUX (TTM is 2.9%) and the highest CDs I can find. On CDs, I usually read KevinM's contributions before I buy. I think that I can beat treasuries with CDs. I had a CD ladder going at ALLY ... but was concerned about the unwinding of QE - and the interest rate increases. So.....
by hudson
Wed Oct 24, 2018 2:28 pm
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 4753

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

How do you gauge your fixed assets or cash assets and their returns compared to say..... the 10-year with the 10-year showing .... about 3 % Ignoring the SEC yield listing - and looking at actual monthly returns... Do you stay with these widespread types of holdings, or migrate to purely the US Tre...
by hudson
Wed Oct 24, 2018 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Benefit of bonds
Replies: 12
Views: 1856

Re: Benefit of bonds

Shaggy123,

I'm in favor of having a safe pile in place before going into stocks.
You decide how big the safe pile is, but maybe a few years of income. I would leave the safe pile in AAA/AA bonds, FDIC CDs, or the equivalent.
A safe pile will keep you safer when stocks drop.
by hudson
Mon Oct 22, 2018 7:57 pm
Forum: Personal Consumer Issues
Topic: Canada Goose Jacket
Replies: 57
Views: 4399

Re: Canada Goose Jacket

If you're looking for down clothing, consider looking at Feathered Friends out of Seattle. They sell top quality stuff that does the job. I bought a coat, pants, and a sleeping bag for winter backpacks in 2011...no issues after 7 years of moderate use. I use the coat and pants as my sleeping bag abo...
by hudson
Wed Oct 17, 2018 8:34 am
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bond Funds - Intermediate, Long Term, High Yield
Replies: 14
Views: 1510

Re: Tax Exempt Bond Funds - Intermediate, Long Term, High Yield

wolf359, your comments about the HY Munis made me look it up and compare it to Vanguard's long and intermediate munis. V's HY muni distributes 3.76%; credit quality is 59% AAA/AA/A V's long muni distributes 3.47%; credit quality is 86% AAA/AA/A V's intermediate muni distributes 2.95%; credit quality...
by hudson
Tue Oct 16, 2018 7:38 pm
Forum: Investing - Help with Personal Investments
Topic: 30 y/o Boglehead student, advice for 65 year old Retiring Father
Replies: 30
Views: 3053

Re: 30 y/o Boglehead student, advice for 65 year old Retiring Father

I would be wary about giving advice unless they are excited about receiving it. If you give advice, and things don't work out, it's all your fault. I'm in their shoes as I do not like stocks. I would skip the advisor and go all CDs or the equivalent. Maybe you could help them get the best CD yields....
by hudson
Tue Oct 16, 2018 6:30 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Bond Funds - Intermediate, Long Term, High Yield
Replies: 14
Views: 1510

Re: Tax Exempt Bond Funds - Intermediate, Long Term, High Yield

I really like the distribution yield of VWLUX...the long muni, but I'm going to stick with VWIUX...intermediate. If I need to TLHarvest, I'll swap into limited term. After saying all of that, Baird's intermediate muni BMBIX is where I should be. It's much safer than VWIUX...but of course the distrib...
by hudson
Tue Oct 16, 2018 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Variable Percentage Withdrawal (VPW)
Replies: 785
Views: 260316

Re: Variable Percentage Withdrawal (VPW)

For the VPW spreadsheet, do you just use your investments, stock and bond funds etc, or do you also include your CD’s, money markets and high interest savings accounts? (Sorry if I missed that answer, but with 16 pages, its hard to digest everything ) Thanks I'm not an authority, but I used all inv...
by hudson
Mon Oct 15, 2018 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Buy car cash or take low rate loan
Replies: 33
Views: 1914

Re: Buy car cash or take low rate loan

I could argue either way pay cash or take the loan. I would pay cash...if I had enough...because I'm through with borrowing money. Tacomas are great vehicles; I drove one for almost 20 years. The Taco never had to go back to a dealer for anything except maybe an issue with the towing light harness. ...
by hudson
Sat Oct 13, 2018 8:43 pm
Forum: Personal Consumer Issues
Topic: Making Winter Camping more comfortable
Replies: 39
Views: 2727

Re: Making Winter Camping more comfortable

Winter camping is great; you live by the sun. Go to bed by the sun and get up with the sun. If I'm with a group, we socialize around a campfire. The group thins out and discussions go on into the night for a few...not me. I carry at least one book to read in case I can't sleep during the night. Usua...
by hudson
Thu Oct 11, 2018 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: When stocks and bonds drop at the same time, what do you do?
Replies: 40
Views: 4566

Re: When stocks and bonds drop at the same time, what do you do?

I didn't do anything. I never rebalance; I don't have a written plan. I thought briefly about buying some of a total stock market fund but decided not to. I believe that stocks are high risk; Intermediate AAA/AA bond funds/ETFs/CDs are a good place to be. I did look at tax loss harvesting; I'm not s...
by hudson
Mon Oct 08, 2018 4:28 am
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 10883

AGE 75 CD vs SPIA...$300,000

I would bet that all of you have pulled out your envelopes and have done this comparison. CD: 300K will spin off $9600 a year with a 3.2% 5 year CD...but you get to keep your money. If you withdrew 20K per year, it would last 15 years. That would take one to age 90. 300K will spin off $28044 a year ...
by hudson
Sat Oct 06, 2018 7:34 pm
Forum: Personal Consumer Issues
Topic: My Experience in Buying a Burial Plot: The cost (in NJ)
Replies: 64
Views: 4465

Re: My Experience in Buying a Burial Plot: The cost (in NJ)

I told my children that I preferred cremation, but that it was up to them. I preferred that they do it a no cost...if they could find a way. I forgot to tell them what I would do with my ashes; I'll put that with my "final papers" documents. I'm interested in family history, so I'm slightly interest...
by hudson
Fri Oct 05, 2018 4:15 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 10883

Re: Alan Roth doesn't like single premium annuities

I think that Alan's advice is worth listening to. He's given great advice through the years. His technical expertise has helped me. I'm not an expert, but I've run a number of SPIA calculators. If I was in my late 70s or 80s and my pile wasn't big enough, I might bite. Of course, I would do lots of ...
by hudson
Fri Oct 05, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 55
Views: 4262

Re: Tax Loss Harvest (TLH) VWIUX

Bit confused by this thread but it sounds like TLH into the long term tax exempt bond fund is fine. Alternative would be one of the state specific bond funds but that is a less diversified holding. It seems like Vang. Limited Term Tax Exempt was the most recommended solution in this thread. That's ...
by hudson
Fri Sep 28, 2018 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Computershare Transfer Question
Replies: 24
Views: 2934

Re: Computershare Transfer Question

I'm getting ambiguous official answers. Has anyone here transferred shares from Computershare Transfer Agent to Vanguard? How was the process like and what specifically did you have to do to transfer shares? I only get annual statements from Computershare and I'm planning on mailing that, has that ...
by hudson
Sun Sep 23, 2018 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 55
Views: 4262

Re: Tax Loss Harvest (TLH) VWIUX

If you ever have any doubt which fund is accruing interest daily, there is a tab at the top right corner of the Account Page which allows to check the Balance by Date. When you click on that, you'll actually how much interest you've accumulated for the bond (or money market) fund. Thanks! I'd never...
by hudson
Sun Sep 23, 2018 9:33 am
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16025

Re: iPhone XS Max

I then put it inside a waterproof case. But thus far, it has survived numerous canyons. I'm sure it has been below 2m too as I jumped into pools but I don't dare take it SCUBA diving as neither the case or the phone is rated to below 2m. My phone has not been tested like that. After almost every hi...
by hudson
Sat Sep 22, 2018 6:27 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 16025

Re: iPhone XS Max

Come up with a new feature I want, and I'll fork out for it. The last time that happened was the iPhone 7 - I wanted the waterproof feature. So far it has worked very well. My thoughts exactly. Last year, I bought the 8 for the water proofing. No more zip lock bags when walking in the rain. The new...
by hudson
Sat Sep 22, 2018 4:34 pm
Forum: Personal Consumer Issues
Topic: True cost of a [dental] implant
Replies: 71
Views: 11381

My Implant

In Progress... May 1...remove root...$132 Aug 2....xray....$125 Sep 4....implant...$2200 (Amazing...reminds me of when I stripped the spark plug threads on my 69 VW; a mechanic used some kind of sav-a-thread insert and then screwed in the spark plug) The dentist and the mechanic used a socket wrench...
by hudson
Sat Sep 22, 2018 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 55
Views: 4262

Re: Tax Loss Harvest (TLH) VWIUX

I'm in the process of selling VWIUX to harvest a short term loss. As soon as the sale completes, I plan to buy VTEB or MUB to replace it for at least 30 days. VWIUX = Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares VTEB = Vanguard Tax-Exempt Bond ETF MUB = iShares National Muni Bond ETF W...
by hudson
Sat Sep 22, 2018 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 55
Views: 4262

Re: NEW QUESTION: Harvest again in less than 31 days

goingup

Thanks! I only checked Vanguard's Cost Basis button; I never looked at the actual price differences.
by hudson
Sat Sep 22, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 55
Views: 4262

House Blend...Useful Comment in another discussion

House Blend...Useful Comments in another discussion

He talks about using ETFs as a TLH partner with Vanguard Munis.
He likes using 50:50 V. Long Muni and V. Limited Term Muni as a TLH partner with V. Intermediate Term Muni


viewtopic.php?p=4129776#p4129776
by hudson
Sat Sep 22, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 4753

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

FWIW, I harvested losses from VWIUX on Tuesday this week. I exchanged it for a 2:1 mix of Long Term and Limited Term Tax Exempt. This ratio approximates both the current yield and duration of Intermediate. Good idea! I also harvested...all to Lim. Term Tax Exempt. Maybe next time... House Blend...t...
by hudson
Sat Sep 22, 2018 5:36 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 55
Views: 4262

NEW QUESTION: Harvest again in less than 31 days

I harvested from VWIUX (V. Int. Muni) to VMLUX (V. Limited T. Muni) on Sep. 14th...today is Sep 22d. VMLUX has a loss big enough to harvest. I don't think that I need to wait 31 days to harvest this new loss....do I? I would not go back to VWIUX. I would go from VMLUX to V. Short Muni or V. Long Mun...
by hudson
Fri Sep 21, 2018 7:49 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 55
Views: 4262

Re: Tax Loss Harvest (TLH) VWIUX

Speaking of MUB, I just saw an article that said that yesterday was MUB’s largest outflow in nearly two years. Did something happen in the municipal bond market yesterday while I was focusing on other things? I don't know the answer....but just some thoughts. Over the last month the 10 year treasur...
by hudson
Fri Sep 21, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvest (TLH) VWIUX
Replies: 55
Views: 4262

Re: Tax Loss Harvest (TLH) VWIUX

Have learned I was making another mistake. What? The LT national fund does not have "bonus dividends". Why? Because the SEC Yield calculation is based on shares outstanding. So, no bonus shares = no bonus dividends. See answer: https://www.bogleheads.org/forum/viewtopic.php?p=4130742#p4130742 Sorry...
by hudson
Fri Sep 21, 2018 12:40 pm
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 4753

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

Still not sure if it's worth worrying about since neither I nor my accountant will be calculating the daily interest and I can barely count on my gain-loss reports to show the correct basis on the easy stuff. I can't explain why ETFs are a problem when say TL Harvesting from VWIUX to MUB. I just kn...