Search found 33 matches

by Bill2020
Fri Nov 27, 2020 12:02 pm
Forum: Personal Finance (Not Investing)
Topic: Has Anyone Seen any Black Friday Quicken Deals?
Replies: 1
Views: 152

Re: Has Anyone Seen any Black Friday Quicken Deals?

Newegg.com has Quicken Deluxe 1-year for $29.99. The "For new subscribers only" version has a code for an additional $11 off. Not sure how it would work if you are an existing subscriber.

BTW, have you ever tried slickdeals.net? I found this deal searching on this website.
by Bill2020
Tue Nov 03, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Lowering std of living ?
Replies: 16
Views: 1847

Re: Lowering std of living ?

Did you move from HCOL to a lower COL area or move from an upper income to mid/low income neighborhood? It sounds like the latter. When I retired we downsized in the same HCOL area (about 20 miles away) with 75% less square footage at about 50% lower price. Both houses are in upper middle class neig...
by Bill2020
Mon Nov 02, 2020 8:20 pm
Forum: Personal Investments
Topic: Vanguard Growth Fund VUG/Other similar funds
Replies: 13
Views: 1066

Re: Vanguard Growth Fund VUG/Other similar funds

Hello All: I am looking at Vanguard Growth Fund VUG ETF and I am trying to understand it more. Does Vanguard periodically change the composition of the companies in the ETF; and the % etc.: for example monthly/quarterly If so, can one such find details about past composition. The reason of asking i...
by Bill2020
Sun Nov 01, 2020 5:18 pm
Forum: Personal Investments
Topic: Roth Conversion Taxes
Replies: 19
Views: 1313

Re: Roth Conversion Taxes

Thanks to everyone that replied. I got the answer(s) that I was looking for.
by Bill2020
Sun Nov 01, 2020 2:20 pm
Forum: Personal Investments
Topic: Roth Conversion Taxes
Replies: 19
Views: 1313

Re: Roth Conversion Taxes

I want to do an "in kind" transfer of VTSAX in IRA to VTSAX in Roth. I am aware that tax treatment is the same regardless of dollar or in-kind. Doing an in-kind transfer from an IRA to a ROTH is doing nothing for you. In-kind is only important from moving from one taxable account to anoth...
by Bill2020
Sun Nov 01, 2020 1:51 pm
Forum: Personal Investments
Topic: Roth Conversion Taxes
Replies: 19
Views: 1313

Re: Roth Conversion Taxes

I guess I don't know the reason for not selling the securities in brokerage account to pay the conversion tax instead. This tax is not due until 1/15/21, so you can sell the brokerage fund(s) in 2021 and buy some of them back in Roth conversion now using that 24% reserved for tax. You will pay 15% ...
by Bill2020
Sun Nov 01, 2020 12:25 pm
Forum: Personal Investments
Topic: Roth Conversion Taxes
Replies: 19
Views: 1313

Re: Roth Conversion Taxes

I think (not sure) this can be done on the old platform by simply doing a Roth conversion on $76k of VTSAX and $24k of money market at the same time , with the instruction to withhold $$24k for taxes and to buy/exchange $76k of VTSAX in the Roth IRA. I have not used the new brokerage platform and d...
by Bill2020
Sun Nov 01, 2020 11:57 am
Forum: Personal Investments
Topic: Roth Conversion Taxes
Replies: 19
Views: 1313

Re: Roth Conversion Taxes

Your details are hard to understand, but I think you aren't achieving anything you cant do by selling $100K amount of the mutual fund inside the Traditional IRA. The IRS doesn't care where your tax payment comes from, and it sounds like it will be from your taxable account monies anyway. When you p...
by Bill2020
Sun Nov 01, 2020 11:36 am
Forum: Personal Investments
Topic: Roth Conversion Taxes
Replies: 19
Views: 1313

Re: Roth Conversion Taxes

I have two questions: 1) How will you handle state income taxes on the Roth conversion? This may be state dependent. I'm in CA, where if I withhold federal income taxes on a withdrawal from my rollover IRA, then I'm expected to withhold at least 10% of that for state income taxes. For example, if I...
by Bill2020
Sun Nov 01, 2020 10:38 am
Forum: Personal Investments
Topic: Roth Conversion Taxes
Replies: 19
Views: 1313

Roth Conversion Taxes

Hi, I'm starting year end planning and looking at Roth conversions. I want to convert (hypothetically) $100,000 to fill up the 24% bracket. I'm thinking about converting $76,000 VTSAX with 0% tax withheld, then withdraw $24,000 from settlement or money market with 100% fed tax withheld. I don't want...
by Bill2020
Thu Oct 29, 2020 4:13 pm
Forum: Personal Consumer Issues
Topic: HVAC quotes (Replace both or just one unit??)
Replies: 37
Views: 2105

Re: HVAC quotes (Replace both or just one unit??)

How old are both units? You mention the coils are rusted. Are you near the coast? Some manufactures have "coastal" models that supposedly hold up better to the salt air with less corrosion. Those prices look very good to me, but we are in a HCOL area. Choose the deal based on which ever in...
by Bill2020
Mon Oct 12, 2020 8:44 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?
Replies: 91
Views: 5039

Re: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?

Someone earlier mentioned sticking to where you feel you some kind of edge or sense that you know something that others are missing... ...Cloudflare by virtue of some projects I've been on and ended up doing some informal research It was a great day for cloudlfare (I own the stock as well). This ma...
by Bill2020
Mon Oct 12, 2020 3:46 pm
Forum: Personal Investments
Topic: are there limitations to the number of Roth conversions in a year?
Replies: 13
Views: 1166

Re: are there limitations to the number of Roth conversions in a year?

There is no limit to Roth conversion. https://www.irs.gov/retirement-plans/ira-one-rollover-per-year-rule Rollovers from traditional to Roth IRAs ("conversions") are not limited This statement needs clarification. If you read the entire page the IRS makes distinction between 1) "Roll...
by Bill2020
Mon Oct 12, 2020 3:40 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?
Replies: 91
Views: 5039

Re: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?

... I'm grateful for where I am, but I'm wondering if it makes sense to take a LITTLE more risk with a part of my portfolio? My NW is just a tad over 7 figures, so we would be talking about investing $50-100K in a risky basket of stocks, hoping to get a 10X multiplier over the coming decade in high...
by Bill2020
Mon Oct 12, 2020 1:33 pm
Forum: Investing - Theory, News & General
Topic: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?
Replies: 91
Views: 5039

Re: Individual Stocks - 5-10% of Portfolio "Play Money" - YES or NO?

Brianmcg321 wrote: Mon Oct 12, 2020 11:08 am Get a boat if you want something to play with.
Having owned a few boats...

BOAT = Break out another thousand.

Two best days owning a boat - the day you buy it and the day you sell it.
by Bill2020
Mon Oct 12, 2020 1:13 pm
Forum: Personal Investments
Topic: are there limitations to the number of Roth conversions in a year?
Replies: 13
Views: 1166

Re: are there limitations to the number of Roth conversions in a year?

There is no limit to Roth conversion. https://www.irs.gov/retirement-plans/ira-one-rollover-per-year-rule Rollovers from traditional to Roth IRAs ("conversions") are not limited This statement needs clarification. If you read the entire page the IRS makes distinction between 1) "Roll...
by Bill2020
Sun Sep 06, 2020 9:17 am
Forum: Personal Investments
Topic: Open New Non-Brokerage Vanguard Account
Replies: 14
Views: 1455

Re: Open New Non-Brokerage Vanguard Account

Why not just open a brokerage account? Is there a benefit to having a non-brokerage account? Many people in the financial services industry have compliance requirements when you have the ability to purchase individual stocks. That's why a mutual fund only option is preferred. I am one of those peop...
by Bill2020
Sun Sep 06, 2020 9:12 am
Forum: Investing - Theory, News & General
Topic: Moving my wife's investments to Schwab?
Replies: 64
Views: 4384

Re: Moving my wife's investments to Schwab?

One other thing to remember if your wife doesn't use a computer is paperless. Almost every bill I get is by email, very few are delivered by USPS.
by Bill2020
Mon Aug 31, 2020 7:52 pm
Forum: Personal Investments
Topic: Open New Non-Brokerage Vanguard Account
Replies: 14
Views: 1455

Re: Open New Non-Brokerage Vanguard Account

Why not just open a brokerage account? Is there a benefit to having a non-brokerage account?
by Bill2020
Mon Aug 31, 2020 9:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard seems to have web online sign on problem
Replies: 145
Views: 6746

Re: Vanguard seems to have web online sign on problem

@10:45 I'm still getting the "internal server error" online.

But I can log onto the phone app. Face ID didn't work and had to enter password, not sure if that's related or just an issue with my phone.
by Bill2020
Thu Aug 27, 2020 8:13 pm
Forum: Investing - Theory, News & General
Topic: I survived the 'sequence of returns risk'
Replies: 42
Views: 3876

Re: I survived the 'sequence of returns risk'

redmaw quoted: Think of your retirement as in the movie “Groundhog Day”: every day is your first day in retirement again. And since this is your new imaginary first day in retirement again, you face a renewed Sequence of Return Risk again over the next roughly 10 years! Sorry: Sequence. Risk. Will....
by Bill2020
Thu Aug 27, 2020 8:06 pm
Forum: Investing - Theory, News & General
Topic: I survived the 'sequence of returns risk'
Replies: 42
Views: 3876

Re: I survived the 'sequence of returns risk'

Doesn't the SRR clock reset everyday with a new portfolio balance and an updated life expectancy? It shouldn't be like the last hill to climb. As I noted above, it depends on the withdrawal method being used. If you were using a safe withdrawal rate approach (i.e. starting off withdrawing something...
by Bill2020
Thu Aug 27, 2020 2:53 pm
Forum: Investing - Theory, News & General
Topic: I survived the 'sequence of returns risk'
Replies: 42
Views: 3876

Re: I survived the 'sequence of returns risk'

At what point can one safely assume that they survived SRR? I assume there is both a time element (ie. years left in life expectancy) and a portfolio growth element (ie. current portfolio versus starting value in real dollars). 1) Retired with $2M and have $1M (real) at age 100. 2) Retire with $2M a...
by Bill2020
Wed Aug 26, 2020 8:21 pm
Forum: Investing - Theory, News & General
Topic: How do I know what withdrawal rate to use?
Replies: 53
Views: 4793

Re: How do I know what withdrawal rate to use?

I found the Early Retirement Now series very helpful when I retired. 4% is basically a rule of thumb, its a round number and easy to calculate your portfolio target amount (yearly spending x 25). This is a 39 part series that goes in-depth on many factors that may or may not interest you. I don't re...
by Bill2020
Sun Aug 09, 2020 2:50 pm
Forum: Investing - Theory, News & General
Topic: Anyone abandoning trend following and/or dual momentum approaches?
Replies: 81
Views: 4943

Re: Anyone abandoning trend following and/or dual momentum approaches?

I'm basically a buy and hold investor, mostly in index funds. I do have a handful of individual stocks that I have mostly done very well with. But I'm not comfortable/confident enough to put 100& of my equities into individual stocks. Like others on this board I have a small percent of "pla...
by Bill2020
Sun Aug 09, 2020 2:27 pm
Forum: Investing - Theory, News & General
Topic: Anyone abandoning trend following and/or dual momentum approaches?
Replies: 81
Views: 4943

Re: Anyone abandoning trend following and/or dual momentum approaches?

My point is that I can sell out of Microsoft at bid, but Wellington selling out of $5B in Microsoft is going to either have some short term impact on price or take days to execute? That's 23M shares selling while MSFT is 35M average volume. I would be very surprised if you (a retail investor) can i...
by Bill2020
Sun Aug 09, 2020 2:01 pm
Forum: Investing - Theory, News & General
Topic: Anyone abandoning trend following and/or dual momentum approaches?
Replies: 81
Views: 4943

Re: Anyone abandoning trend following and/or dual momentum approaches?

I think there are many different strategies that can be successfully executed by diligent individuals to beat the market, but lag the market when implemented on a larger scale. An individual can get in and out of stocks rather quickly with only bid/ask loss. But a large fund (and if its successful ...
by Bill2020
Sun Aug 09, 2020 1:42 pm
Forum: Investing - Theory, News & General
Topic: Anyone abandoning trend following and/or dual momentum approaches?
Replies: 81
Views: 4943

Re: Anyone abandoning trend following and/or dual momentum approaches?

Not really. At least not for liquid ETFs or large stocks, unless you trade really huge volumes [/quote] My point is that I can sell out of Microsoft at bid, but Wellington selling out of $5B in Microsoft is going to either have some short term impact on price or take days to execute? That's 23M sha...
by Bill2020
Sun Aug 09, 2020 12:23 pm
Forum: Investing - Theory, News & General
Topic: Anyone abandoning trend following and/or dual momentum approaches?
Replies: 81
Views: 4943

Re: Anyone abandoning trend following and/or dual momentum approaches?

I'm well ahead of buy-and-hold YTD for 100% U.S. stock and definitely for a globally weighted 100% stock AA, so I'm definitely not abandoning my approach. As long as U.S. large-cap growth was included as one of the investable tickers, the very simple 7 month relative strength approach that is the b...
by Bill2020
Sat Feb 22, 2020 4:53 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for Early Retirement Advice
Replies: 5
Views: 1232

Re: Looking for Early Retirement Advice

Unladen_Swallow wrote: Sat Feb 22, 2020 3:22 pm Social security calculator

Www.opensocialsecurity.com
Thanks. Confirms what I had calculated before. Well actually its more specific as it recommends wife start at 62 & 5months.
by Bill2020
Sat Feb 22, 2020 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for Early Retirement Advice
Replies: 5
Views: 1232

Re: Looking for Early Retirement Advice

2. I did notice in the retirement planner that over time most assets moved from T-IRA to Roth and taxable accounts. What are strategies/theories behind this? I’m currently withdrawing 3.3% and in the low 22% tax bracket. This covers all of our current expenses, but would want to withdraw more for t...
by Bill2020
Sat Feb 22, 2020 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for Early Retirement Advice
Replies: 5
Views: 1232

Looking for Early Retirement Advice

Hi, We are recently retired 2017 and looking for advice on financial planning. We are also thinking about consulting with a financial advisor (flat-fee only) to develop a retirement plan, not investment advice. I’ve tried searching bogleheads.com, but didn’t find what I was looking for. (BTW, the wo...
by Bill2020
Fri Feb 21, 2020 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 396
Views: 187350

Re: How to Minimize Your Emergency Care Expenses

If your local ambulance is volunteer, many will waive or reduce fees if you are a supporting member (ie. donate above a certain amount). Our local EMS requires $50 donation for single member or $75 donation for family membership. They will accept insurance as payment in full, or if no insurance, red...