Search found 67 matches

by sonosoldi3112
Wed Nov 06, 2019 3:26 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2019 on Amazon
Replies: 122
Views: 9418

Re: Turbotax 2019 on Amazon

Hello dean

thank you for post.

just wondering did it work ok .. was download easy ect... thank you

James
by sonosoldi3112
Sat Oct 12, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: vanguard stock trade fee
Replies: 7
Views: 938

vanguard stock trade fee

Why is Vanguard still charging a fee to purchase individual stocks?

Will they not lose business if they do not stop this charging practice real fast? as people can get much more at Schwab ect ect.
by sonosoldi3112
Mon Oct 07, 2019 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Personal Capital website?
Replies: 26
Views: 2386

Re: Personal Capital website?

Yes .. I use PC .. love it ... some here do not wish to share passwords but I find the site invaluable.
by sonosoldi3112
Tue Sep 17, 2019 5:52 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4161

Re: International Medical emergency story

So solution is always to have reputable travel insurance to cover all eventualities?

Do most policies suffice in this regard as it is so important.
Thank you
by sonosoldi3112
Tue Sep 17, 2019 5:07 pm
Forum: Personal Consumer Issues
Topic: International Medical emergency story [travel to Canada, no insurance]
Replies: 58
Views: 4161

Re: International Medical emergency story

Sorry to hear this.

Do you know if he had travel insurance? or was he relying on the medicare emergency medigap provision which I realize is not a large amount in monetary value.

Indeed a cautionary tale ... thank you for posting as is important to know. James
by sonosoldi3112
Sun Aug 04, 2019 1:28 pm
Forum: Investing - Theory, News & General
Topic: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"
Replies: 247
Views: 19218

Re: Is this right? "if you live off dividends, a crash in stocks prices doesn't matter"

https://www.fastgraphs.com/why-accomplished-dividend-growth-investors-can-ignore-price-volatility/ See about one third way down .. " original investment of $100000 .. sample companies 2007 to 2012. According to this limited study ..... it worked out great plus it stopped you from selling in a panic.
by sonosoldi3112
Tue Jul 30, 2019 9:40 pm
Forum: Personal Consumer Issues
Topic: Cheap Amazon Mattress Recommendations?
Replies: 20
Views: 1690

Re: Cheap Amazon Mattress Recommendations?

Great deals at Costco in store right now .. (do not use online as prices totally different than in store savings ) ... if you care to venture outside of amazon.
by sonosoldi3112
Fri Jul 19, 2019 1:43 pm
Forum: Investing - Theory, News & General
Topic: Best Crypto Offline Wallet (from security perspective)
Replies: 3
Views: 775

Re: Best Crypto Offline Wallet (from security perspective)

I think the LEDGER would be my choice way above anything else plus it integrates perfectly with MEW ie myetherwallet.

Works flawlessly IMO.
by sonosoldi3112
Wed Jun 19, 2019 4:18 pm
Forum: Personal Investments
Topic: PIMIX, income, cash, interest rates?
Replies: 65
Views: 8903

Re: PIMIX, income, cash, interest rates?

I have been heavily criticized for my support of this fund, but I am staying the course! https://www.pimco.com/handlers/displaydocument.ashx?c=72201F490&wd=Fund%20Fact%20Sheet&fn=Income%20Fund%20Institutional.pdf&id=6ar4R%2bf5LzXHwiA20SuAg9HGgSgw9NdFjOSQkwfficwB0G8AAiXL2%2bJekwE6abNxaOoXdYJv%2fATHe...
by sonosoldi3112
Mon May 27, 2019 5:22 pm
Forum: Non-US Investing
Topic: Leaving the country, to sign up for Fidelity or for Schwab
Replies: 6
Views: 1138

Re: Leaving the country, to sign up for Fidelity or for Schwab

I would stick with Schwab as they have an account specifically for those who move abroad (schwab international ) .. make sure you have USA account and then this gets you grand fathered in to an international account should you need one. If you move and then apply you will be out of luck if you are n...
by sonosoldi3112
Sun May 26, 2019 6:11 pm
Forum: US Chapters
Topic: Retiredjg at 36,000 posts!
Replies: 34
Views: 2945

Re: Retiredjg at 36,000 posts!

Thank you Retiredjg for all your time and wisdom shared.
by sonosoldi3112
Fri May 24, 2019 9:28 pm
Forum: Investing - Theory, News & General
Topic: Your Favorite High-Yield Bond Funds?
Replies: 23
Views: 2577

Re: Your Favorite High-Yield Bond Funds?

PONAX beats them all .. .. even beats Wellington VWENX over different time spans ( run it through portfolio vizualizer) ... yes .. a bond fund that smokes the stock funds and it was only 5% or so down in 2008.

Over 25 billion in the fund and managed by Pimco... plus has proven history of success.
by sonosoldi3112
Fri May 17, 2019 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone use Treasury Direct ?
Replies: 34
Views: 2208

Re: Anyone use Treasury Direct ?

I use KEEPER password manager and vault .. it does log me in direct in a flash .... for sure I do not need to type my password with the keyboard in TD .... KEEPEr populates all user names and passwords on TD at least for me ... I can log in eyes closed.
by sonosoldi3112
Fri May 17, 2019 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Anyone use Treasury Direct ?
Replies: 34
Views: 2208

Re: Anyone use Treasury Direct ?

yES .. I use and love it .. no problems despite often reading here that some are unhappy ... works perfect with my password manager .. easy login .. easy transfers to and from my bank.
by sonosoldi3112
Thu May 09, 2019 5:02 pm
Forum: Personal Finance (Not Investing)
Topic: How much do you donate?
Replies: 100
Views: 8127

Re: How much do you donate?

Zero .. as too many professional beggars these days.
by sonosoldi3112
Sun Apr 28, 2019 6:27 pm
Forum: Investing - Theory, News & General
Topic: If you could have only one fund, what would it be?
Replies: 175
Views: 45332

Re: If you could have only one fund, what would it be?

Wellington .... always a winner ... vwenx
by sonosoldi3112
Fri Apr 26, 2019 5:35 pm
Forum: Non-US Investing
Topic: Anyone familiar with Irish/US tax law for dual Irish/American citizen couple retiring in Ireland?
Replies: 14
Views: 1537

Re: Anyone familiar with Irish/US tax law for dual Irish/American citizen couple retiring in Ireland?

Hello You may have thought of this but you need to be sure your brokerage account will not be closed when you move ... so what I would do is look at Charles International Account .... . if you do not have a USA Schwab account I would open one and transfer my assets thereto. It seems only Interactive...
by sonosoldi3112
Mon Apr 15, 2019 7:28 pm
Forum: Non-US Investing
Topic: Expat friendly brokerages as of April 2019?
Replies: 8
Views: 1473

Re: Expat friendly brokerages as of April 2019?

I would stick with Schwab as you get excellent 24 hour customer service plus the debit card and checking account and the no atm charges when using foreign ATM While you can maintain a USA address and thus your account when you move to HuaHin or wherever .... I would opt for the Schwab International ...
by sonosoldi3112
Sun Feb 24, 2019 11:12 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax first timer: do I need any info from prior Accountant?
Replies: 18
Views: 660

Re: TurboTax first timer: do I need any info from prior Accountant?

Hello I think you will be just fine if you have access to the information that was on last year's return. Even when you are a regular TT user as regards carryover loss ... TT will verify that the figure is correct ..even though it has it right there ... it will usually ask you to confirm some figure...
by sonosoldi3112
Sat Feb 16, 2019 8:15 pm
Forum: Investing - Theory, News & General
Topic: First Vanguard Tax Form Available (and a tip)
Replies: 15
Views: 2087

Re: First Vanguard Tax Form Available (and a tip)

For those interested .... I see that the " mid Feb" consolidated tax form hit my account in the last few hours.
by sonosoldi3112
Fri Nov 16, 2018 7:37 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 10869

Re: Amazon says TurboTax 2018 will be released November 12

I usually buy Mac download Premier ... but no sign of that .... hope it is not discontinued as I have K1 form.
by sonosoldi3112
Wed Aug 29, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Bone in my food
Replies: 107
Views: 4800

Re: Bone in my food

Alas , this happens to Flesh eaters from time to time .. as others have said ...consider not eating animal flesh and eat a healthy plant food diet.
by sonosoldi3112
Thu Aug 02, 2018 8:18 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 6835

Re: Will dividend spending only portfolio last forever ?

Actually you can do much worse ... and when the next big recession hits ..may be this time one would not panic sell if you just keep an eye on the income ..... during and after the drop and you may be surprised to see good out come ... please see this article ... was an eye opener for me and POSITIV...
by sonosoldi3112
Fri Jun 29, 2018 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: ATT Administrative Fees
Replies: 6
Views: 750

Re: ATT Administrative Fees

I was having same problem with ATT .... bill always up a little .... some credits ..some deductions ..... 2 lines .. .. one had unlimited data .. and one with 3gb ... they kept edging these charges up also ..... total bill per month approx $160 Moved to T MOBILE 3 days ago ... set up same day ... sa...
by sonosoldi3112
Fri Jun 29, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: [Ally online savings now at 2.20%]
Replies: 285
Views: 52707

Ally Bank savings account rate increase 1.75%

[Thread merged into here, see below (next page). --admin LadyGeek] "Another rate increase for the 6th time this year! Within the last 6 months, the Online Savings Account rate has gone from 1.25% APY to 1.75% APY, which means your money is working even harder. Now's the perfect time to make the mos...
by sonosoldi3112
Mon Jun 18, 2018 11:11 am
Forum: Personal Consumer Issues
Topic: successful chase sapphire paid auto claim with rental abroad
Replies: 12
Views: 1296

Re: successful chase sapphire paid auto claim with rental abroad

Hello

And thank you .... great to know it works .... was not sure about using card for his purpose ... but good to hear of a successful outcome.
by sonosoldi3112
Mon May 21, 2018 1:54 pm
Forum: Personal Investments
Topic: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?
Replies: 26
Views: 2940

Re: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?

Thank you A

Glad to get someone with something positive to say on this.

I appreciate that in so far as it has not been a disaster for you so far ect with the usual warnings about future returns.

.... James
by sonosoldi3112
Mon May 21, 2018 12:56 pm
Forum: Personal Investments
Topic: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?
Replies: 26
Views: 2940

Re: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?

AH! now I see .. Thank you Alex 686 and David ... to my extra surprise .. I see that PONAX also beats out Vanguard Wellington for some periods ....

so I get it now .. it is not your typical bond fund ....

Thank u.
by sonosoldi3112
Mon May 21, 2018 12:27 pm
Forum: Personal Investments
Topic: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?
Replies: 26
Views: 2940

Re: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?

I think what I see here is that PONAX Bond fund is Beating a stock Bond Fund VWIAX ... through most periods in time ( recent years) .. I agree different assets class for each .... BUT I would have expected the Bond Fund to have lagged VWIAX ... ie here u have the Bond Income Fund winning when normal...
by sonosoldi3112
Mon May 21, 2018 11:56 am
Forum: Personal Investments
Topic: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?
Replies: 26
Views: 2940

Re: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?

Thank u G

At Schwab ... there is no load and initial minimum purchase is just $100

No fee , no load , no cost to buy from Schwab Brokerage.
by sonosoldi3112
Mon May 21, 2018 11:20 am
Forum: Personal Investments
Topic: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?
Replies: 26
Views: 2940

Re: Pimco BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?

OK it is a BOND FUND INCOME ,,,, so you have a Bond fund beating a Bond plus Stock fund ie Wellesley VWIAX. U.S. News evaluated 323 Multisector Bond Funds. It ranked PONAX # 1 Morning star .. 5 star and below risk average. Yield is about 5% plus 5 year average return is 4.79% .. ytd only down 0.85% ...
by sonosoldi3112
Mon May 21, 2018 10:44 am
Forum: Personal Investments
Topic: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?
Replies: 26
Views: 2940

Re: Pimco PONAX beating VWIAX Wellesley ~~ too good to be true?

Thank you A ...would Port Viz not take that into account? PONAX just seems to win ..... I was considering moving from Wellesley to Wellington VWENX and use PONAX for my bonds in lieu of Wellesley .
by sonosoldi3112
Mon May 21, 2018 10:22 am
Forum: Personal Investments
Topic: Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?
Replies: 26
Views: 2940

Pimco INCOME BOND FUND PONAX beating VWIAX Wellesley ~~ too good to be true?

Hello To my surprise when running PONAX and VWIAX true Portfolio Viz .... Pimco PONAX appears to beat Wessesley on total return over long and short periods .... is this too good to be true in so far as PONAX may win on return but then you lose big time on taxes as PONAX would not have qualified Divi...
by sonosoldi3112
Wed May 16, 2018 5:41 pm
Forum: Investing - Theory, News & General
Topic: Wellington and Wellesley on May 16th [Incorrect price quote]
Replies: 16
Views: 2222

Re: Wellesley off 3% today

I am confused also as I choose VWIAX for safety ... and with regard to Wellington ... this was an 'UP" day in market so it should be also up . I would think .. .. may be a glitch or just a small blip in the big scheme of things.
by sonosoldi3112
Mon May 14, 2018 7:23 pm
Forum: Personal Investments
Topic: Vanguard Long Bond ETF VCLT .in 2008 scenario?
Replies: 6
Views: 679

Vanguard Long Bond ETF VCLT .in 2008 scenario?

Hello all I am not sure how to back test VCLT long term bond fund in 2008 like melt down .... I know High Yield Junk Bond fund behaved badly .... but VCLT has not seen a 2008 yet .... would this fund likely do well in a 2008 like correction or is that an impossible Question to answer ,,, thank u James
by sonosoldi3112
Fri May 11, 2018 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Year end tax forms for Investment accounts
Replies: 4
Views: 602

Re: Year end tax forms for Investment accounts

Hello J Yes, you are 100% correct in so far as your will receive the necessary forms ~ usually available in my case in my messages ( as I opt for Paperless) at vanguard ... normally one composite tax form for the various amounts that need reporting on your tax form. Better still, with Turbotax, and ...
by sonosoldi3112
Mon May 07, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: Total Bond - SEC yield breaks 3%
Replies: 104
Views: 15376

Re: Total Bond - SEC yield breaks 3%

Does this mean that I get 3% dividend if I put money in this fund? ie is it like I get a 3% dividend , just like a cd but better .... but caveat that my principal might go down? This always confuses me ie ... is the yield shown ie 3.00% here .. a genuine firm figure that I can bet the farm on?
by sonosoldi3112
Mon Apr 30, 2018 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit
Replies: 180
Views: 23214

Re: Signed Car Lease, Dealer calls later asking for a CO-SIGNER despite excellent credit

YES .. I think u may have missed the part where someone explained that the lease fine print may allow for such an eventuality ie afte rthe fact request for co signer.
by sonosoldi3112
Fri Apr 06, 2018 9:12 am
Forum: Personal Investments
Topic: Question on dreaded 1099 OID tips in fund
Replies: 3
Views: 432

Re: Question on dreaded 1099 OID tips in fund

Thank you NISIPRIUS I really appreciate your clear explanation ... so I can be on look out for this form next year. I use Turbotax and use the import feature ... does that mean it will be plain sailing ( normally) as one click will sort out all my interest and dividends ect ect ... and I will not ha...
by sonosoldi3112
Fri Apr 06, 2018 8:06 am
Forum: Personal Investments
Topic: Question on dreaded 1099 OID tips in fund
Replies: 3
Views: 432

Question on dreaded 1099 OID tips in fund

Hello all I have some tips by way of vanguard tips fund that is a building block in Target Retirement Income Fund VTINX .... in taxable account. I read here about 1099 OID and some people do not like them .... I am ok and will not get this form because I hold a tips fund rather than individual tips ...
by sonosoldi3112
Sun Apr 01, 2018 4:00 pm
Forum: Personal Investments
Topic: what would you do ..$1million taxable ..sole retirement money
Replies: 3
Views: 1371

what would you do ..$1million taxable ..sole retirement money

Hello all I have to make a major decision and would be so grateful for any views as to what is possible. I am in unusual situation in so far as I will have 1 million S to invest in taxable ( I do not have retirement accounts ect as I am US citizen this last past10 years) but never worked here. I am ...
by sonosoldi3112
Thu Mar 29, 2018 5:37 pm
Forum: Investing - Theory, News & General
Topic: Is 100% VTSAX (+ bonds) the best portfolio?
Replies: 14
Views: 2852

Re: Is 100% VTSAX (+ bonds) the best portfolio?

I am 100% VWIAX ... I think for me it is perfect .. nearing retirement & has way less volatility than most other funds ... performs well in past and in present and hopefully future. No one knows for sure .. but is the allocation I want . Funny VTMFX is performing a tad better and partly tax free .. ...
by sonosoldi3112
Thu Mar 22, 2018 2:13 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting Question
Replies: 1
Views: 343

Tax Loss Harvesting Question

Hello all Could I ask a question about Tax Loss Harvesting as I am new to this . I think I am correct in thinking it is a year round endeavor if one has the "loss" to harvest. 1. What I was wondering is do people in general wait for a particular loss amount to accumulate before the harvest begins ie...
by sonosoldi3112
Tue Jul 04, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: Your View: Vanguard Variable Annuity or just use Taxable account
Replies: 13
Views: 2521

Your View: Vanguard Variable Annuity or just use Taxable account

Hello all I would be very grateful for your thought on the better approach for me. I do not have access to tax Sheltered Accounts other than I Bonds at Treasury Direct which is fully funded each year. To create a Tax Sheltered fund of sorts ..I opened a Vanguard Variable Annuity to accumulate my ret...
by sonosoldi3112
Wed Jun 21, 2017 8:24 pm
Forum: Personal Investments
Topic: Managed Payout VPGDX seems to beat all others
Replies: 6
Views: 3728

Re: Managed Payout VPGDX seems to beat all others

J .. Thank you for that ... amazing to see .. much appreciated.
by sonosoldi3112
Tue Jun 20, 2017 8:09 pm
Forum: Personal Investments
Topic: Managed Payout VPGDX seems to beat all others
Replies: 6
Views: 3728

Re: Managed Payout VPGDX seems to beat all others

Thank you L .. I never thought of that .. Yes I see now .... I am leaning :) Appreciate your imput .. James
by sonosoldi3112
Tue Jun 20, 2017 7:44 pm
Forum: Personal Investments
Topic: Managed Payout VPGDX seems to beat all others
Replies: 6
Views: 3728

Managed Payout VPGDX seems to beat all others

Hello all I was looking at Vanguard Managed Payout VPGDX as a possible income source in retirement. Old posts here seem to suggest you can do better on your own. I am a little confused on that as when I run the numbers at Portfolio VIZ this fund comes out with highest results ie beats others on the ...
by sonosoldi3112
Sat Jun 17, 2017 5:34 pm
Forum: Personal Investments
Topic: Wellington VWELX 1099 DIV
Replies: 5
Views: 1032

Re: Wellington VWELX 1099 DIV

Got it as said in jest .

You made my weekend .. thanks again for all you do here. J
by sonosoldi3112
Sat Jun 17, 2017 5:28 pm
Forum: Personal Investments
Topic: Wellington VWELX 1099 DIV
Replies: 5
Views: 1032

Re: Wellington VWELX 1099 DIV

lIVESOFT thank you so much .... I feel much better now ... I was worred when I saw SCOTT S say Does your friend do his own taxes? I'm guessing not, because there's some extra pain when you have to add up all the dividends and tack that onto your income, causing you to pay more." I did not understand...