Search found 375 matches

by integrity
Tue Jan 16, 2018 8:59 am
Forum: Personal Finance (Not Investing)
Topic: 2018 Withholding Tables
Replies: 87
Views: 10416

Re: 2018 Withholding Tables

https://www.irs.gov/individuals/irs-withholding-calculator Due to the tax law changes signed into law on December 22, 2017, the IRS withholding calculator is currently unavailable. ‎The IRS will update the calculator as soon as updated withholding information is available. Just keep hitting F5 I gue...
by integrity
Fri Jan 12, 2018 10:48 am
Forum: Investing - Theory, News & General
Topic: 2017 Callan Periodic Table of Investment Returns
Replies: 34
Views: 4002

Callan Table through 2017

[merged integrity's post into this existing thread - moderator prudent] Sorry if this was posted already and I missed it. Another January brings another updated Callan table. https://www.callan.com/periodic-table-investments/ Two consecutive years now with all indices giving positive returns. So mu...
by integrity
Wed Jan 10, 2018 8:30 pm
Forum: Investing - Help with Personal Investments
Topic: MA 529
Replies: 3
Views: 241

Re: MA 529

Thank you for the helpful replies!
by integrity
Wed Jan 10, 2018 3:48 pm
Forum: Investing - Help with Personal Investments
Topic: MA 529
Replies: 3
Views: 241

MA 529

Dumb question. I have been contributing to the Vanguard 529 plan on autopilot since my daughter was born in 2013. I think Vanguard has the NV plan. I recently came across this: https://www.savingforcollege.com/articles/massachusetts-to-offer-529-state-tax-deduction Of course, I'm a year behind on th...
by integrity
Thu Nov 09, 2017 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: How old are you and how much do you save for retirement a year
Replies: 150
Views: 13756

Re: How old are you and how much do you save for retirement a year

29, $81,700 savings per year Traditional 401k - $21,000 (including company match) Roth IRA - $5,500 Taxable - $55,200 ($2,300 bi-monthly) That said I’m not actually sure I’ll use all of the taxable savings for retirement. I might use it to buy a home at some point. If your income is low enough to q...
by integrity
Fri Nov 03, 2017 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Should I keep the Condo or rent to Canadians?
Replies: 12
Views: 1456

Re: Should I keep the Condo or rent to Canadians?

djpeteski wrote:
Fri Nov 03, 2017 7:31 am
I'd really like to rent to the Canadians. They tend to be high income, and just very desirable renters for many reasons.
As a Canadian (albeit one who has never been a snowbird), I am pleased to hear that you find them desirable for many reasons :beer
by integrity
Wed Oct 18, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2691

Re: Credit scores fell this month a lot for no reason

Well: https://www.frugaltravelguy.com/2014/05/dont-stop-when-your-credit-score-hits-760.html I'm not saying frugaltravelguy is a reliable source, I'm just saying that if you Google, you find a wide variety of conflicting information. This is an honest question. I'd love to have an authoritative sour...
by integrity
Wed Oct 18, 2017 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Credit scores fell this month a lot for no reason
Replies: 40
Views: 2691

Re: Credit scores fell this month a lot for no reason

Gronnie wrote:
Wed Oct 18, 2017 12:47 pm
3. Anything over 760 doesn't matter anyway
Out of curiosity what is the evidence for this?
by integrity
Wed Oct 18, 2017 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Savings - Is it enough?
Replies: 38
Views: 4024

Re: 529 Savings - Is it enough?

Do I have a fancy model to tell that it will be ok? No. Here's a fancy model that will tell you it will be OK. You even get to pick the school. https://www.oppenheimerfunds.com/investors/article/college-planning-calculators Sorry, It won't let me link directly to the calculator. Click on the "educa...
by integrity
Mon Oct 16, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: 529 Savings - Is it enough?
Replies: 38
Views: 4024

Re: 529 Savings - Is it enough?

I'm in the exact same boat as you (40K in the 529 with a 4 year old). I am also contributing $1K per month. This is the maximum I can afford to contribute so it's a moot point to think about more. Will end up with about $200K in contributions, plus hopefully some capital gains, by the time college s...
by integrity
Wed Oct 11, 2017 12:47 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with a down payment nest egg?
Replies: 15
Views: 1759

Re: What to do with a down payment nest egg?

We have our house downpayment sitting in a state muni fund for our state of residence. If you are in one of the top tax brackets, the tax-avoidance benefits for both state and federal can substantially improve the net return. We have about a 3-4 year time horizon for buying a house, so we felt it wa...
by integrity
Wed Sep 13, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: Iphone X is $1000
Replies: 385
Views: 27643

Re: Iphone X is $1000

Here are the new prices of all iPhones.
https://www.theverge.com/circuitbreaker ... ifferences

What I don't know is whether the Apple Stores will continue offering their recycling buyback discounts when you bring in your old iPhone.
by integrity
Mon Aug 28, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Buying fish (salmon) in Northeast?
Replies: 37
Views: 2341

Re: Buying fish (salmon) in Northeast?

Based on this thread it sounds like I can find many of my fellow Bostonian Bogleheads in the fish section at Costco...I'll have to keep that in mind next time i go! :D
by integrity
Mon Jun 19, 2017 10:28 pm
Forum: Personal Consumer Issues
Topic: Part-time computer science graduate schools in Boston area?
Replies: 26
Views: 2680

Re: Part-time computer science graduate schools in Boston area?

Does MIT have a program?
At least they have OCW (Open Courseware) so you could learn the material, albeit without getting the piece of paper.
by integrity
Mon Jun 19, 2017 8:58 pm
Forum: Personal Consumer Issues
Topic: Trying to save money on prescription drug
Replies: 28
Views: 1939

Re: Trying to save money on prescription drug

You may wish to ask your doctor about using a nebulizer rather than an inhaler. Albuterol is available in generic form for nebulizer. https://www.accessdata.fda.gov/scripts/cder/ob/search_product.cfm (type "albuterol" into the search bar). As others have mentioned, it is really frustrating that no i...
by integrity
Thu Apr 20, 2017 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: How to reduce my income tax
Replies: 31
Views: 3442

Re: How to reduce my income tax

IADFlyer: I'm impressed with the way you've reduced your taxes already. Would you mind sharing any additional thoughts on how you reduced a gross income of 252K to an AGI of 200K and a taxable amount of 151K? My Married-Filing-Jointly family had a similar gross income, but we paid a lot more tax. Th...
by integrity
Thu Apr 06, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 39
Views: 4792

Re: Nespresso capsules

I ordered a pack of the Hiline coffee pods for Nespresso just to try it out. It arrived yesterday and I pulled my first shot this morning. I have to say, I was really disappointed. While the Nespresso coffee tastes full and flavorful, creamy and potent, the Hiline pod simply tasted like...2oz of a B...
by integrity
Tue Mar 21, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: Why do people invest in Long Term Bonds now?
Replies: 51
Views: 8595

Re: Why do people invest in Long Term Bonds now?

Replying to this thread after about 9 months of dormancy. I'm interested to know what people think now that we're officially in an interest rate rising (slowly) environment again. I have all my fixed income allocated to short-term bonds for many years, to preserve value. That has been fine, I suppos...
by integrity
Sat Mar 18, 2017 3:03 pm
Forum: Personal Finance (Not Investing)
Topic: Director's Fees from foreign country
Replies: 1
Views: 302

Re: Director's Fees from foreign country

Posted this a month ago and thought it was worth a bump to see if there are any tax experts out there regarding directors fees from a foreign country. Thanks.
by integrity
Mon Feb 27, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: BH thoughts on Time shares
Replies: 123
Views: 10516

Re: BH thoughts on Time shares

Watch "The Queen of Versailles" documentary from a few years back, about David and jackie Siegel. David Siegel founded Westgate Resorts, the world's largest time share company. You may feel less excited about timeshares when you're through.

:beer
by integrity
Wed Feb 22, 2017 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Director's Fees from foreign country
Replies: 1
Views: 302

Director's Fees from foreign country

Trying to figure out a tax situation for 2017 and would appreciate some help. I recently joined the Board of a company based in Ireland, and will receive a nominal Director's Fee for my services. There will be taxes withheld by Ireland, and what I'm trying to understand is whether there is a tax tre...
by integrity
Wed Feb 22, 2017 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Millionaire
Replies: 65
Views: 9233

Re: New Boglehead Millionaire

Huge congratulations. I also got my act together and started investing seriously in 2009. In hindsight this turned out to be a very lucky time to get started, and those of us who did have really only known a world where equities had positive returns. We need to be careful going forward to remind our...
by integrity
Fri Feb 17, 2017 10:35 pm
Forum: Personal Finance (Not Investing)
Topic: Minibonds through the Neighborly platform -- Cambridge, MA
Replies: 8
Views: 1076

Re: Minibonds through the Neighborly platform -- Cambridge, MA

I think my initial hypothesis was correct -- they are expecting people will take a discount because it's their local community. I'll also be watching to see if they sell out. I think other state and local munis pay in the neighborhood of 5%. So I am really scratching my head on this one.
by integrity
Fri Feb 17, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Two Comma Club
Replies: 199
Views: 34681

Re: Two Comma Club

According to the Europeans, I was in the one comma club from my first dollar.
Hey, I just paid 12,50 for lunch today!
by integrity
Fri Feb 17, 2017 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Minibonds through the Neighborly platform -- Cambridge, MA
Replies: 8
Views: 1076

Re: Minibonds through the Neighborly platform -- Cambridge, MA

Following up on my initial posting from a couple of weeks ago, the bonds have been agency-rated and the coupon has been set...at a paltry 1.6% YTM. https://neighborly.com/issuance/cambridge/investment-options Welp, no thanks. This is for something that matures in 2022. :shock: :shock: On the plus si...
by integrity
Fri Jan 27, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: Minibonds through the Neighborly platform -- Cambridge, MA
Replies: 8
Views: 1076

Minibonds through the Neighborly platform -- Cambridge, MA

The city of Cambridge, Massachusetts (home to Harvard and MIT among many other things) is issuing munis to its locals. They are denominated in $1000 units and will pay coupons semi-annually. They will come due in 5 years. You must be a resident of Cambridge to purchase the bonds. Each resident can b...
by integrity
Fri Sep 09, 2016 2:44 pm
Forum: Personal Consumer Issues
Topic: map frustration
Replies: 76
Views: 5721

Re: map frustration

Everyone does have a GPS now. It is called the smartphone. I have not printed out directions in 5 years at least. Even the international roaming packages now are so cheap that I have avoided needed to print out directions when traveling. Certainly nothing wrong with printing directions but unfortuna...
by integrity
Wed Sep 07, 2016 8:18 am
Forum: Investing - Help with Personal Investments
Topic: Bonds vs CDs in current low interest environment (CAD)
Replies: 11
Views: 2073

Re: Bonds vs CDs in current low interest environment (CAD)

Valuethinker: as a Canadian expat (who hasn't paid too much attention to what's been happening in my home country), thanks for catching me up!

:D :D
by integrity
Tue Aug 02, 2016 1:47 pm
Forum: Personal Consumer Issues
Topic: AT&T cell usage in Canada
Replies: 26
Views: 2323

Re: AT&T cell usage in Canada

Wanted to say a big thanks to jerryd and others -- I just had AT&T add the Canadian Roaming Bonus to my shared account with my wife. They simply added it with no objections. We each get 1GB of data per billing cycle, plus have unlimited talk and text. This will save us several hundred dollars pe...
by integrity
Tue Jul 19, 2016 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 Fund - Rate of return 2%!
Replies: 25
Views: 5359

Re: Vanguard Target Retirement 2055 Fund - Rate of return 2%!

To partially summarize some of the other responses here...at this early stage, your rate of savings is what will dominate the total balance. The best way for you to grow your balance is to save more. Over time, the daily fluctuations based on the return of the fund will play a larger role, but that ...
by integrity
Tue Jul 12, 2016 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to sell $250 face value 90% junk silver dimes?
Replies: 31
Views: 3306

Re: Best way to sell $250 face value 90% junk silver dimes?

Was not aware that there was such interest in holding these alternative, physical asset classes. I have never considered anything like this, myself. I don't even have a safety deposit box.
by integrity
Tue Jul 12, 2016 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Best way to sell $250 face value 90% junk silver dimes?
Replies: 31
Views: 3306

Re: Best way to sell $250 face value 90% junk silver dimes?

Wow this is a thread I never expected to see on Bogleheads...
:oops: :shock:
by integrity
Wed Jun 22, 2016 10:54 am
Forum: Investing - Help with Personal Investments
Topic: 100k+ with 2 year window, how to invest?
Replies: 16
Views: 1276

Re: 100k+ with 2 year window, how to invest?

CDs are good too, but I don't like the lack of liquidity for taxable accounts. They make more sense for me in an IRA as a bond substitute Rather than a CD, which many here have recommended, I would put it in a high-yielding online savings account. This gives you much more flexibility to withdraw if...
by integrity
Fri Jun 17, 2016 6:18 am
Forum: Personal Consumer Issues
Topic: How many activities for your kids?
Replies: 70
Views: 7677

Re: How many activities for your kids?

Below is a synopsis of the progression of our parenting through the years. We had child #1 in our 20s, #2 and #3 in our 30s and child #4 in our 40s. #1 was in a ridiculous number of activities, constantly, since birth. #2 and 3 were in a reasonable number of activities. #4 is lucky to be in one act...
by integrity
Wed Apr 06, 2016 4:12 am
Forum: Investing - Help with Personal Investments
Topic: Bond fund capital gains--marking timing
Replies: 7
Views: 689

Re: Bond fund capital gains--marking timing

Does MA tax capital gains on MA muni funds? I believe it does. If so, you should definitely avoid taking short-term gains, since MA taxes short-term gains at 12%. Grabiner, does this website provide the data you're alluding to? m It looks like the gains may or may not be taxed depending on the spec...
by integrity
Tue Apr 05, 2016 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund capital gains--marking timing
Replies: 7
Views: 689

Re: Bond fund capital gains--marking timing

Thanks all very much for the replies. Livesoft your math is correct (as usual), I have an incremental 3.5ish% return beyond the return from coupons only. I would certainly be sad to see that evaporate over time as NAV inevitably fluctuates. Yes the baseline (coupon) yield is still ok for me. The mar...
by integrity
Tue Apr 05, 2016 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bond fund capital gains--marking timing
Replies: 7
Views: 689

Bond fund capital gains--marking timing

I seem to recall this being discussed in previous threads, but a quick search did not identify them. Please feel free to link to the answer if provided elsewhere. My question is related to the returns from my MA muni fund (taxable) and how I should handle them. I invested a lump sum from an inherita...
by integrity
Mon Feb 01, 2016 3:45 pm
Forum: Investing - Help with Personal Investments
Topic: Question about muni bond fund investing
Replies: 2
Views: 424

Re: Question about muni bond fund investing

That is helpful, thanks xxChip.
It's a good reminder that investing in a bond fund can throw off these capital gains that are purely a result of (often necessary) decisions by the fund managers.
by integrity
Mon Feb 01, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Question about muni bond fund investing
Replies: 2
Views: 424

Question about muni bond fund investing

Hi, As someone relatively new to taxable investing (having not previously had enough disposable income to do so), I am hopeful that you can help me understand the returns I'm getting from a particular investment, VMATX, which is the Vanguard fund for Massachussets Tax-Exempt Muni Bonds. In addition ...
by integrity
Thu Sep 03, 2015 2:13 pm
Forum: Personal Consumer Issues
Topic: Deleted
Replies: 6
Views: 667

Re: Facebook Groups: Does anyone know why you create Groups?

Who is DW? Sounds like you are the "victim" of some spam. All you have to do is decline. Groups are useful to have conversations and post information among a restricted group of people--those who are allowed into the group. The vast majority of my facebook activity occurs within groups. I ...
by integrity
Fri Jul 31, 2015 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Chip and pin credit cards?
Replies: 28
Views: 3766

Re: Chip and pin credit cards?

The systems are compatible. I used my chip and sig in Europe with no issues. Instead of entering a PIN the receipt comes out of the machine with a signature line. In an automated machine the card just worked without a PIN, although I have heard others have had issues. This does not work in all situ...
by integrity
Sun Jun 21, 2015 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: First time investing with Vanguard Brokerage (taxable)
Replies: 4
Views: 538

Re: First time investing with Vanguard Brokerage (taxable)

Got it thanks. Certainly appreciate the timely and to-the-point responses.
Cheers.
Integ.
by integrity
Sun Jun 21, 2015 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: First time investing with Vanguard Brokerage (taxable)
Replies: 4
Views: 538

Re: First time investing with Vanguard Brokerage (taxable)

Thanks livesoft, appreciate the specific advice and encouragement.
Are there any tax complexities or incremental brokerage fees that come from making multiple purchases?
by integrity
Sun Jun 21, 2015 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: First time investing with Vanguard Brokerage (taxable)
Replies: 4
Views: 538

First time investing with Vanguard Brokerage (taxable)

Hi all, Hoping for some guidance on a practical matter. I have the opportunity to invest a large lump sum in a taxable account. This is the first time I have been able to do this as my salary had previous not allowed for any investing beyond the level of my tax-sheltered saving. I have a lump sum th...
by integrity
Fri Jan 30, 2015 9:34 pm
Forum: Investing - Theory, News & General
Topic: "Planet Money" is shorting SPY
Replies: 26
Views: 3839

Re: "Planet Money" is shorting SPY

What do you mean when you say they are shorting it? Have they actually taken a short position (if so how much) or are they advocating for it on the show?
by integrity
Mon Jan 19, 2015 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Taking advantage of the Euro's decline
Replies: 8
Views: 1077

Taking advantage of the Euro's decline

Question for those whose "home" currency is not the Euro: Are you planning to do anything differently now that that EURUSD is down around 1.16? For example would you consider switching a vacation from the US to Europe now that it's down about 16% from a year ago? Are there any other action...
by integrity
Wed Jan 07, 2015 4:30 pm
Forum: Personal Consumer Issues
Topic: Adult 3-Couple Getaway
Replies: 4
Views: 1466

Re: Adult 3-Couple Getaway

airbnb has a much better and more interesting selection than vrbo, IMO
but both are good.
by integrity
Wed Jan 07, 2015 4:23 pm
Forum: Investing - Theory, News & General
Topic: Is it speculation to use the Callan Periodic table?
Replies: 35
Views: 4680

Re: Is it speculation to use the Callan Periodic table?

I think it's important to mention that the Callan Periodic Table is organized by years for visual and conceptual convenience. However there is no reason to believe that trends in asset classes start on January 1 and end on Dec 31.
by integrity
Fri Aug 02, 2013 2:28 pm
Forum: Investing - Theory, News & General
Topic: Tracking Portfolio Performance
Replies: 6
Views: 1737

Re: Tracking Portfolio Performance

Seriously. Chill out a little. Investing is supposed to be fun. Whatever online brokerage or IRA provider you use will probably provide you with accurate enough data. The more you obsess about the numbers, the more you'll be tempted to market time. If you buy index funds or index etfs, your return w...
by integrity
Thu Jul 25, 2013 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Who gets more College Financial aid?
Replies: 52
Views: 5201

Re: Who gets more College Financial aid?

For my top 20 business school, I was asked to list my vehicle and house as assets. This was to calculate the amount of financial aid that would be directly provided by the school.