Search found 237 matches

by gofigure
Tue Mar 29, 2016 2:21 pm
Forum: Personal Consumer Issues
Topic: Updates on the status of Linux
Replies: 129
Views: 12361

Re: Updates on the status of Linux

You may find some multimedia files e.g. .wmv... won't run on linux media player... and some document sharing could be a problem as well. .. but many are willing to work around these kinds of issues... try out the Raspberry Pi 2.. for about $30.... plus the cost of an SD card, you're off to the races.
by gofigure
Sun Mar 27, 2016 11:42 am
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 107
Views: 15168

Re: leaving vanguard due to math errors / poor customer service?

I've been put off several times by their customer service experience. Hope someone there gets the message.
by gofigure
Sat Feb 27, 2016 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: how are taxes and exchange rate information represented in fund performance
Replies: 0
Views: 187

how are taxes and exchange rate information represented in fund performance

I've been considering rolling my 401k into VSMGX and was wondering how foreign tax and currency exchange information are reported in fund performance information.
by gofigure
Sat Dec 26, 2015 8:44 pm
Forum: Personal Finance (Not Investing)
Topic: when to take SS
Replies: 1
Views: 640

when to take SS

Is there a calculator to help decide whether to draw down on tax deferred savings in order to delay taking SS?
by gofigure
Wed Dec 16, 2015 10:03 am
Forum: Personal Finance (Not Investing)
Topic: spending (which asset(s) to tap first)
Replies: 10
Views: 1249

Re: spending (which asset(s) to tap first)

gclancer wrote:Yes, spend taxable first. Make sure to keep the Roth as long as possible so that you can draw on it for "tax cliff" purposes if you find yourself at critical income thresholds once you start drawing from your traditional IRA/401(k) and receiving DB/SS.

10-4.. TY
by gofigure
Wed Dec 16, 2015 7:06 am
Forum: Personal Finance (Not Investing)
Topic: spending (which asset(s) to tap first)
Replies: 10
Views: 1249

spending (which asset(s) to tap first)

I'm retiring in about 4 months (@age 59.5) and DW plans to retire in about 2 years (@ age 63). I estimate we'll need to draw down about $25. k p/yr from savings for the first several years. That amount will decline as social security and DW's DB pension become available. We have tax advantaged and n...
by gofigure
Sat Dec 12, 2015 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of going with VSMGX
Replies: 30
Views: 8822

Re: Thinking of going with VSMGX

HI, I was going through the "going all index" thread you posted when I saw Barry Barniz's wiki links that cover the change history. I think in that same thread someone mentioned what they thought were some downsides in particular to the increased exposure to international bonds (after thes...
by gofigure
Fri Dec 11, 2015 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of going with VSMGX
Replies: 30
Views: 8822

Re: Thinking of going with VSMGX

Thanks Pingo, I agree that the 60/40 stock/bond allocation for the lifestyle moderate growth fund is static. However my question pertains to the domestic/international characteristic within that allocation. The VG website page for the fund indicates a date when the current allocation was derived (cu...
by gofigure
Fri Dec 11, 2015 11:35 am
Forum: Investing - Help with Personal Investments
Topic: Thinking of going with VSMGX
Replies: 30
Views: 8822

Re: Thinking of going with VSMGX

Does the allocation of domestic and international stocks and bonds in VSMGX change or remain fixed?
by gofigure
Tue Sep 15, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity one-on-one financial guidance consultations
Replies: 12
Views: 1501

Re: Fidelity one-on-one financial guidance consultations

I don't find them all that helpful either. They'll walk you through their retirement planner, but IMO, you're probably better off doing that on your own anyway since it does require time to gather accurate input data to the tool.
by gofigure
Wed Aug 19, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: Non-Retirees: Scared about retirement?
Replies: 45
Views: 6674

Re: Non-Retirees: Scared about retirement?

I had been anxious up to just a few months ago but I've become more comfortable with the notion now, have engaged in the planning of it, determined a date certain and I'm feeling very good.
by gofigure
Wed Aug 19, 2015 8:28 am
Forum: Personal Finance (Not Investing)
Topic: should we keep a mortgage in retirement
Replies: 17
Views: 2145

Re: should weI keep a mortgage in retirement

Thanks everyone for your input.
by gofigure
Tue Aug 18, 2015 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: should we keep a mortgage in retirement
Replies: 17
Views: 2145

Re: should weI keep a mortgage in retirement

I'm guessing the proceeds on the sale of the current home would be $250k. The mortgage on the new home is $180k.
by gofigure
Tue Aug 18, 2015 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: should we keep a mortgage in retirement
Replies: 17
Views: 2145

should we keep a mortgage in retirement

We financed 80% of the purchase of our retirement home with a 15 year fixed mortgage at 3.12% interest. We plan to sell the home we currently occupy within the next year. There's no mortgage on the property we currently occupy. What are the pros/cons of keeping the mortgage and investing the proceed...
by gofigure
Sat Aug 15, 2015 11:35 am
Forum: Investing - Help with Personal Investments
Topic: withdrawl strategies across tax and non-tax advantaged assets
Replies: 14
Views: 1915

Re: withdrawl strategies across tax and non-tax advantaged assets

the strategy that makes the most sense is one that looks at the income tax rate of the individual (or couple) throughout one's anticipated years of retirement. Well said. General tax info from someone who is not a tax person. From Fairmark.com: http://fairmark.com/general-taxation/your-tax-bracket/...
by gofigure
Fri Aug 14, 2015 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: withdrawl strategies across tax and non-tax advantaged assets
Replies: 14
Views: 1915

Re: withdrawl strategies across tax and non-tax advantaged assets

I'm likely going to direct the proceeds (interest, div and gains) from all but the Roth accounts into a MM twice annually. This will likely exceed the required amount we'll need to generate from savings and in that event we'll let the balance accrue and be there for the down years. Neither of us hav...
by gofigure
Fri Aug 14, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: withdrawl strategies across tax and non-tax advantaged assets
Replies: 14
Views: 1915

Re: withdrawl strategies across tax and non-tax advantaged assets

I'm trying to put together a plan to create an income stream from our investments. Approx 11% of our portfolio is in non-tax advantaged assets invested in equity mutual funds and the remainder Is in tax advantaged IRAs and 401Ks. As I understand it, there's two principals to follow for withdrawals ...
by gofigure
Fri Aug 14, 2015 9:49 am
Forum: Investing - Help with Personal Investments
Topic: withdrawl strategies across tax and non-tax advantaged assets
Replies: 14
Views: 1915

Re: withdrawl strategies across tax and non-tax advantaged assets

While there are some principles that might be followed, withdrawal strategies are not so rigid as to suggest that one size fits all. For individuals who have a mix of assets sufficient to meet their needs spread across taxable and tax advantaged accounts, the strategy that makes the most sense is o...
by gofigure
Thu Aug 13, 2015 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: withdrawl strategies across tax and non-tax advantaged assets
Replies: 14
Views: 1915

withdrawl strategies across tax and non-tax advantaged assets

I'm trying to put together a plan to create an income stream from our investments. Approx 11% of our portfolio is in non-tax advantaged assets invested in equity mutual funds and the remainder Is in tax advantaged IRAs and 401Ks. As I understand it, there's two principals to follow for withdrawals a...
by gofigure
Mon Jun 22, 2015 9:06 pm
Forum: Personal Finance (Not Investing)
Topic: holding a mortgage in retirement
Replies: 14
Views: 1887

Re: holding a mortgage in retirement

Thank you all so much for your insights and references.
by gofigure
Mon Jun 22, 2015 3:41 pm
Forum: Personal Finance (Not Investing)
Topic: holding a mortgage in retirement
Replies: 14
Views: 1887

Re: holding a mortgage in retirement

I'm 58 and the Mrs. is 60. Plan to retire next spring. Her pension and SS = approx 3k p/mo My pension and SS = approx 2.5k p/mo combined 401k/IRA plus non tax advantaged liquid assets approx 1.925m as of today Real Estate assets owned approx. 400k. No kids. Of the assets listed, approx 160k in taxab...
by gofigure
Mon Jun 22, 2015 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: holding a mortgage in retirement
Replies: 14
Views: 1887

holding a mortgage in retirement

We just purchased our retirement home w/ a 15 year fixed mortgage at 3.12% interest. We're beginning to prepare our current home, for which there is no mortgage, for sale. We're considering the advantages and disadvantages of investing the proceeds from the sale of our current home and keeping the m...
by gofigure
Fri Dec 05, 2014 12:52 pm
Forum: Investing - Help with Personal Investments
Topic: shedding cap gains liability
Replies: 7
Views: 802

Re: shedding cap gains liability

cheese_breath wrote:And don't forget too even if your LTCGs are taxed at 0% themselves, they may increase the percentage of your SS that is taxed.


Thanks... I didn't consider this ...but it may be that there's a window where SS won't be in the picture.
by gofigure
Fri Dec 05, 2014 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: shedding cap gains liability
Replies: 7
Views: 802

shedding cap gains liability

My understanding is that cap gains liability is associated with income. It's very likely that our income in the first few years of retirement will be below the cap gains income limit (federal tax on LT cap gains is $0. on income < approx $73k for married filing jointly). I plan to re-invest these as...
by gofigure
Fri Sep 05, 2014 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Tax liability on farm rental income
Replies: 4
Views: 560

Re: Tax liability on farm rental income

Jared... I think I have a clearer understanding of my situation now. I skimmed both Sched E and The Farmer's Guide and my first take on it is that this arrangement is essentially a rental. The leasee must operate in accordance with MOFGA guidelines (organic) I've been mowing some around the perimete...
by gofigure
Thu Sep 04, 2014 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Tax liability on farm rental income
Replies: 4
Views: 560

Tax liability on farm rental income

This is our first year of a three year lease of some farmland we own in Maine. It's also the first time we've leased any property. I have no experience with the possible Federal and State tax liabilities associated with the income from the lease. Any help with identifying these liabilities and the t...
by gofigure
Mon Jun 02, 2014 2:37 pm
Forum: Investing - Help with Personal Investments
Topic: does it make sense to buy our retirement home now
Replies: 16
Views: 2289

Re: does it make sense to buy our retirement home now

I wouldn't buy until 1-2 years AFTER retiring to a community. Things change, places change and they (and you) are often not the same as what you think they are when you are just a visitor/vacationer. +1 Since you have no current mortgage and very little debt, the worst that could happen is that you...
by gofigure
Mon Jun 02, 2014 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: does it make sense to buy our retirement home now
Replies: 16
Views: 2289

Re: does it make sense to buy our retirement home now

Sidney wrote:I wouldn't buy until 1-2 years AFTER retiring to a community. Things change, places change and they (and you) are often not the same as what you think they are when you are just a visitor/vacationer.

Thanks.. We have reasons for choosing this area but your point is taken.
by gofigure
Mon Jun 02, 2014 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: does it make sense to buy our retirement home now
Replies: 16
Views: 2289

Re: does it make sense to buy our retirement home now

This is probably my primary concern. We wouldn't be living in the home but renting is an option we'd consider. Ok, then - do you want to be a landlord? Think of this as a business venture. no.. not really.. but Riverstwo's suggestion to use an agent to manage it as a rental property might be an opt...
by gofigure
Mon Jun 02, 2014 8:32 am
Forum: Investing - Help with Personal Investments
Topic: does it make sense to buy our retirement home now
Replies: 16
Views: 2289

Re: does it make sense to buy our retirement home now

We've settled on our retirement destination and the real estate market in this area is clearly a buyer's market right now. We have 2-5 years before retirement and we're considering buying our retirement home now. Does this make sense? We plan to finance most of the purchase and roll over the procee...
by gofigure
Mon Jun 02, 2014 8:19 am
Forum: Investing - Help with Personal Investments
Topic: does it make sense to buy our retirement home now
Replies: 16
Views: 2289

Re: does it make sense to buy our retirement home now

We've settled on our retirement destination and the real estate market in this area is clearly a buyer's market right now. We have 2-5 years before retirement and we're considering buying our retirement home now. Does this make sense? We plan to finance most of the purchase and roll over the procee...
by gofigure
Mon Jun 02, 2014 4:31 am
Forum: Investing - Help with Personal Investments
Topic: does it make sense to buy our retirement home now
Replies: 16
Views: 2289

does it make sense to buy our retirement home now

We've settled on our retirement destination and the real estate market in this area is clearly a buyer's market right now. We have 2-5 years before retirement and we're considering buying our retirement home now. Does this make sense? We plan to finance most of the purchase and roll over the proceed...
by gofigure
Sun Jun 01, 2014 4:59 am
Forum: Investing - Theory, News & General
Topic: The Challenge of Funding Retirement -Robert Merton
Replies: 16
Views: 4475

Re: The Challenge of Funding Retirement -Robert Merton

thanks for posting this...found it helpful with my perspective of risk relative to income and accumulation goals and HECMs as a component of low risk income.
by gofigure
Mon May 12, 2014 5:17 am
Forum: Investing - Help with Personal Investments
Topic: Should I Consider Market Timing w/ Index Fund Share Buy?
Replies: 28
Views: 2956

Re: Should I Consider Market Timing w/ Index Fund Share Buy?

I doubt you'll hear too many arguments in favor of any consideration toward valuations when entering the market. Any notion of market timing is a pejorative here on bogleheads. I'm afraid you'd likely get the same response if the CAPE ratio were at 55. The CAPE is not at 55 or 35 ...but equities are...
by gofigure
Sat May 10, 2014 5:43 am
Forum: Personal Consumer Issues
Topic: Tillers & Cultivators
Replies: 21
Views: 2311

Re: Tillers & Cultivators

I've kept a veg garden for most of the past 57 years. About 10 years ago I bought a new MTD front tine tiller for $100. at Walmart. It was a floor model or a return so it wasn't exactly new but close. I kept the mark down price tag on it for many years...wore it like a badge, The veg garden is 24x24...
by gofigure
Sun Jan 05, 2014 12:08 pm
Forum: Personal Consumer Issues
Topic: NYT Article: You can't take it with you ...
Replies: 22
Views: 4145

Re: NYT Article: You can't take it with you ...

used this rationale to buy a small farm...I'll never make money but I'm having a blast!!
by gofigure
Sun Jan 05, 2014 8:34 am
Forum: Personal Consumer Issues
Topic: Non-retirees: Envisioning Retirement
Replies: 62
Views: 6423

Re: Non-retirees: Envisioning Retirement

I think of retirement as a time that I can take life at my own pace, do the things I want to do. That's not how life is now for me and so I look forward to it being that way.
by gofigure
Sun Jan 05, 2014 8:27 am
Forum: Personal Finance (Not Investing)
Topic: What states offer online tax preparation?
Replies: 15
Views: 1570

Re: What states offer online tax preparation?

NJ has a free online state income tax return also. The only reason I can think of to use a commercial online service is to keep both state and federal returns/records online and in one place.
by gofigure
Thu Jan 02, 2014 3:12 pm
Forum: Personal Consumer Issues
Topic: Investing in Physical as well as Financial Health
Replies: 39
Views: 3441

Re: Investing in Physical as well as Financial Health

Several years ago while fixing up our summer place I exposed myself to something that I believe introduced a chronic sinus infection. It's taken all this time for the infection to finally begin to subside (knock on wood) ...so my words of wisdom on this topic is that maintaining your quality of life...
by gofigure
Thu Jan 02, 2014 3:04 pm
Forum: Personal Consumer Issues
Topic: What does a Bogle TV look like?
Replies: 78
Views: 6538

Re: What does a Bogle TV look like?

It took two burly hulks with body harnesses to deliver our 51" rear projector TV about 10+ years ago. It will have to be removed in pieces I'd imagine. No cable. I do the antenna to an HD HomeRun up in the attic that connects over Ethernet to a small PC that sits atop the TV that runs Window me...
by gofigure
Wed May 08, 2013 8:57 pm
Forum: Investing - Help with Personal Investments
Topic: keeping a percentage of your holdings in cash
Replies: 10
Views: 1214

keeping a percentage of your holdings in cash

I'm sure many if not most bogleheads will reject this idea but here goes.

I'm considering putting some money aside in a tax advantaged or after tax MM account or fixed income fund in order to buy equities in a bear market.
by gofigure
Wed May 08, 2013 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Reallocation with Lousy Bond Market
Replies: 12
Views: 1446

Re: Reallocation with Lousy Bond Market

I'm 56 with approx. a 75/25 AA. I have some concerns also about increasing my bond allocation at this time. My concerns stem mostly from a lack of understanding of the mechanics of all that is involved with owning bond funds and how they work. Here's what I think I know and could use help with: Curr...
by gofigure
Mon May 06, 2013 6:10 am
Forum: Personal Finance (Not Investing)
Topic: When you reach your number and keep working
Replies: 71
Views: 8214

Re: When you reach your number and keep working

The recent MMM discussion got me wondering what you would do if you reach your "number" and for whatever reason, continue working. I can think of several possibilities and would like to know the Boglehead's thoughts and/or experience on these (or others). 1. Carry on as usual. Keep being ...
by gofigure
Tue Apr 23, 2013 3:02 pm
Forum: Personal Consumer Issues
Topic: Best place to buy and best brand of lawn mower?
Replies: 27
Views: 12115

Re: Best place to buy and best brand of lawn mower?

I've owned expensive lawn mowers but over the years, for my application (1/2 acre, hilly w/rocks), the best mower is a cheap 22" walk behind mulcher, w/4-5 hp Briggs and Stratton motor on it. If you're lucky, you can snag a leftover at the beginning of the season or someone's return....usually ...
by gofigure
Sun Apr 21, 2013 9:56 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawl Rates Based on CAPE
Replies: 17
Views: 1157

Re: Withdrawl Rates Based on CAPE

http://www.bloomberg.com/news/2013-04-09/maybe-past-performance-does-predict-your-savings-future.html In the above article the author describes a withdrawl strategy base on Shiller PE/10 with a larger draw down in years where the PE is low and a smaller withdrawl in years when the PE is high. We kn...
by gofigure
Sun Apr 21, 2013 8:54 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawl Rates Based on CAPE
Replies: 17
Views: 1157

Re: Withdrawl Rates Based on CAPE

The article states "The "P/E 10" is part of a broader group of valuation measures called cyclically adjusted price-earnings ratios, or CAPE." What valuation measures are they referring to? Not sure if this addresses your question but my understanding of it is that CAPE can be ca...
by gofigure
Sun Apr 21, 2013 8:40 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawl Rates Based on CAPE
Replies: 17
Views: 1157

Re: Withdrawl Rates Based on CAPE

To your point Rick..I suppose if you're doing some kind of bucket process, that is, harvesting equity gains and staging them in a more stable bucket to withdraw from you might get around that...don't think I need to explain that to you though... It seems a little counter intuitive to be drawing a la...
by gofigure
Sun Apr 21, 2013 5:01 am
Forum: Personal Finance (Not Investing)
Topic: Withdrawl Rates Based on CAPE
Replies: 17
Views: 1157

Withdrawl Rates Based on CAPE

m In the above article the author describes a withdrawl strategy base on Shiller PE/10 with a larger draw down in years where the PE is low and a smaller withdrawl in years when the PE is high. We know how the market cycle can impact our portfolios in the draw down phase. I'm wondering what you thin...