Search found 785 matches

by ps56k
Sat Jun 16, 2018 12:42 pm
Forum: Investing - Theory, News & General
Topic: Rate hikes vs - Muni, Corp, Total Bond funds
Replies: 14
Views: 1784

Re: Rate hikes vs - Muni, Corp, Total Bond funds

I was curious about the comparisons, for my simple understanding of how and which "bonds" might be influenced by rates... Muni - issued by municipalities, and fixed for their period - rates set by issuing municipality - competing for investors when rates change LT Corp Investment - issued by compani...
by ps56k
Thu Jun 14, 2018 3:40 pm
Forum: Investing - Theory, News & General
Topic: Rate hikes vs - Muni, Corp, Total Bond funds
Replies: 14
Views: 1784

Re: Rate hikes vs - Muni, Corp, Total Bond funds

Bob wrote:
Thu Jun 14, 2018 9:05 am
Graph of the data.
Thanks for taking the time and effort to collect, tabulate, and chart...
by ps56k
Thu Jun 14, 2018 1:00 am
Forum: Investing - Theory, News & General
Topic: Rate hikes vs - Muni, Corp, Total Bond funds
Replies: 14
Views: 1784

Rate hikes vs - Muni, Corp, Total Bond funds

With the recent rate hike, and more anticipated,
how does that affect the Vanguard bond funds - such as the Intermediate Muni, LT Investment Grade, or Total US Bond

I can see how some of these types might be directly impacted by rising rates - but what about the Vanguard Intermediate Muni fund
by ps56k
Thu Jun 07, 2018 10:17 pm
Forum: Investing - Theory, News & General
Topic: Indexing will fail investors in next decade
Replies: 57
Views: 8884

Re: Indexing will fail investors in next decade

Sorry folks - the article and link was passed along to me from a friend that is usually pretty much a mentor.... but maybe not so much in this specific case.... BTW - on the "water" front - years ago, I looked at a couple of the ETFs that had holdings in the water world of production, transport, etc...
by ps56k
Wed May 09, 2018 3:17 pm
Forum: Investing - Help with Personal Investments
Topic: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??
Replies: 27
Views: 1700

Re: 25 Years Old. Need help. In the Guard. Currently having TSP trying to pay off debt then make plan for Roth IRA??

WOW - what a thread - I can see how the OP grew frustrated and just decided the forum was not worth it. Interesting story, and I'm sure there are lots of folks in the exact same situation. Topics mentioned - with no easy way out - as they are part of the balancing act. CC - guessing grabbed any intr...
by ps56k
Thu May 03, 2018 1:36 pm
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 93
Views: 9414

Re: Yield Curves-Treasury, CD, AA/AAA muni

just a little something on the new tax rates - guess we are going be filing - Married and 24% - https://thumbor.forbes.com/thumbor/960x0/https%3A%2F%2Fblogs-images.forbes.com%2Fkellyphillipserb%2Ffiles%2F2018%2F03%2FSingle-CONF-2.jpg and https://thumbor.forbes.com/thumbor/960x0/https%3A%2F%2Fblogs-i...
by ps56k
Fri Apr 27, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 93
Views: 9414

Re: Yield Curves-Treasury, CD, AA/AAA muni

Interesting following along..... learning.... scrolling up/down -
Wonder how this very specific targeting would compare against the backdrop of the usual Vanguard Total Bond Index fund ?
by ps56k
Sat Apr 21, 2018 11:10 am
Forum: Investing - Help with Personal Investments
Topic: A basic, elementary question on why it makes sense to invest more in stocks than bonds despite dividend rates
Replies: 20
Views: 2335

Re: A basic, elementary question on why it makes sense to invest more in stocks than bonds despite dividend rates

When people here talk about dividend yield, it is usually in terms of tax inefficiency, i.e. the higher the yield the less efficient in a taxable account. In a taxable account, you have to pay taxes every year on the dividends at your current marginal income tax rate . If you have an efficient stoc...
by ps56k
Fri Apr 20, 2018 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13681

Re: Divs and Cap Gains are killing me

The way I remember it being explained is... STCG (from internal fund operations: buying/sell) are just reported on 1099DIV for convenience (along with FTC, TE DIV, AMT issues,...). --Ordinary dividends + QDI are reported on 1099DIV box 1a. --QDI are reported on 1099DIV box 1b. (Subtract from box 1a...
by ps56k
Fri Apr 20, 2018 10:30 am
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13681

Re: Divs and Cap Gains are killing me

BTW - one last interesting point, as I've gone over the TRowe history for these mutual funds, and then compared it to my 1099 .... It appears that the ST Cap Gain is listed on the TRP history for the mutual fund, but then is later reported on the 1099 as..... DIV...... WHY do the internal Short Term...
by ps56k
Sun Apr 15, 2018 1:09 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13681

Re: Divs and Cap Gains are killing me

It would be nice if the OP would distinguish between Capital Gains Distributions (CGDs) from certain mutual funds and Capital Gains, either ST or LT from selling securities of any type... I think I had that with my Schwab stock portfolio - used for buy/sell stocks - accounting for about $50k of the...
by ps56k
Sat Apr 14, 2018 8:54 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13681

Re: Divs and Cap Gains are killing me

rec7 wrote:
Sat Apr 14, 2018 8:22 pm
I would quit that 9k job. I had the same problem but not as bad.
I sold before the end of march that way I only had CG for the year. It might take you a few years of doing that.
The $9k was from substitute teacher work - filling in at old school when the school district calls...
by ps56k
Fri Apr 13, 2018 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Interest rate risk of VG intermediate munis vs muni index
Replies: 5
Views: 570

Re: Interest rate risk of VG intermediate munis vs muni index

was just pointed at VWITX from another thread - will have to come back and read thru various comments on the Vanguard Muni funds
by ps56k
Fri Apr 13, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13681

Re: Divs and Cap Gains are killing me

Thanks all - Guess I will, over the next coming years, since the Trailing Returns seem to match the S&P anyway, migrate some of my higher CG generating mutual funds into my Vanguard index stock funds... And to diversify and protect my portfolio from market downturns and crashes, will also look at so...
by ps56k
Fri Apr 13, 2018 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13681

Re: Divs and Cap Gains are killing me

Besides identifying higher turnover funds that distribute capital gains, you also need to review all of your holdings and determine the capital gains exposure strictly from selling your shares. Compare your cost basis in each fund with the current value. I just looked up my Cost Basis vs Mkt Value ...
by ps56k
Fri Apr 13, 2018 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13681

Re: Divs and Cap Gains are killing me

It is really hard to give thoughtful answers without the whole picture. Why don't you start a new thread using this format? https://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212 ^ Agree with the above. We need more information. Depending on your tax situation, a municipal bond fund (or funds) m...
by ps56k
Wed Mar 14, 2018 2:08 pm
Forum: Investing - Theory, News & General
Topic: Schwab CORRECTED 1099 DIV for - 2016 AND 2017
Replies: 8
Views: 791

Re: Schwab CORRECTED 1099 DIV for - 2016 AND 2017

edited orig posting -
it was for the 1099-DIV portion

sorry - just scrolled down to the Year End summary - have about 40 stocks -
it was, for me, Qualcomm - QCOM -
by ps56k
Wed Mar 14, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Schwab CORRECTED 1099 DIV for - 2016 AND 2017
Replies: 8
Views: 791

Schwab CORRECTED 1099 DIV for - 2016 AND 2017

Just finished filing my 2017 taxes a few weeks ago.... March 2018 - and then received a Schwab CORRECTED 1099 DIV... just set it aside... Will have to wait for the 2017 return to clear and settle before filing an Amended 2017 return... BUT - then received an email from Schwab about our CORRECTED 109...
by ps56k
Fri Feb 23, 2018 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2210 Penalty vs ES-1040 vs Withholding
Replies: 10
Views: 694

Re: IRS 2210 Penalty vs ES-1040 vs Withholding

Thanks for all the comments and chatter... just as a side note - concerning ES-1040 payments... I setup my Quicken to remind me and pay on EQUAL calendar quarters - That way, I can see, in Quicken, my "yearly" payments as a category. March 15 --> April - 1st voucher June 15 --> June - 2nd voucher Se...
by ps56k
Fri Feb 23, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2210 Penalty vs ES-1040 vs Withholding
Replies: 10
Views: 694

Re: IRS 2210 Penalty vs ES-1040 vs Withholding

Thanks for the reply and taking the time to walk thru the text.... I guess I'm doing the coin toss... A - wait until the end of the year, and pay the full tax amount plus the higher penalty - but less shuffling with ES-1040's and Form 2210 B - increase my ES-1040 payments to cover the higher anticip...
by ps56k
Fri Feb 23, 2018 9:33 am
Forum: Personal Finance (Not Investing)
Topic: IRS 2210 Penalty vs ES-1040 vs Withholding
Replies: 10
Views: 694

Re: IRS 2210 Penalty vs ES-1040 vs Withholding

Here is what things look like.... For 2016 taxes - had a large Cap Gain, and large resulting end of year taxes... Taxes = $33,000 Withheld = $15,000 Tax Due = $18,000 with a Penalty of $400 SO - for 2017 taxes, which would have the same large Cap Gains, decided to spread out that end of year anticip...
by ps56k
Thu Feb 22, 2018 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: IRS 2210 Penalty vs ES-1040 vs Withholding
Replies: 10
Views: 694

IRS 2210 Penalty vs ES-1040 vs Withholding

Have some large Cap Gains and Divs in the last couple of years, and the resulting tax due has been more than usual. SO... thought I would jump on the ES-140 forms, and pay the end of year tax due spread out during the year. Now... TurboTax is calculating a Form 2210 Penalty, as it seems that if I do...
by ps56k
Thu Feb 22, 2018 10:39 am
Forum: Investing - Theory, News & General
Topic: Rising Bond Yields
Replies: 6
Views: 1190

Re: Rising Bond Yields

It will be interesting to see how the portfolio of Total Bond Index changes.... vs the 10yr bond - the fund avg is about 8.4 yrs https://personal.vanguard.com/us/FundsSnapshot?FundId=0084&FundIntExt=INT&funds_disable_redirect=true#tab=2 Distribution by effective maturity (% of fund) as of 01/31/2018...
by ps56k
Fri Feb 09, 2018 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Tax program suggestions = W2, 1099-Div, -B. 8949
Replies: 3
Views: 369

Tax program suggestions = W2, 1099-Div, -B. 8949

I've usually done my 20-something son's taxes using TTAX Desktop - thought maybe he could try one of the offerings... either online or CD. I don't want to sway him, and not sure how he feels about the whole online thing. SO - he has .... W2 - 1099's from Schwab for his Divs and one stock sale 1099-B...
by ps56k
Sat Jan 27, 2018 10:20 pm
Forum: Investing - Theory, News & General
Topic: IRA contribution - sub-teacher & possible W2
Replies: 9
Views: 781

Re: IRA contribution - sub-teacher & possible W2

Received her W-2 today - for 2017 -
it was for $9,200 - Gross pay -
So.... I could max out her T-IRA at $6,500,
and contrib to my T-IRA with the remaining $2,700.

Will look at the Roth issues at another time... as the future of RMDs may well push us into the next tax bracket
by ps56k
Wed Jan 24, 2018 12:20 pm
Forum: Investing - Theory, News & General
Topic: ETFs Advantage?
Replies: 34
Views: 2299

Re: ETFs Advantage?

Interesting thread - as I was just thinking the same question - ETF vs MF - As a long time holder of Vanguard funds.... do I add more via my Vanguard funds or buy their ETFs via my Schwab acct. https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds Don't know which way I'll go in the future....I'm try...
by ps56k
Tue Jan 23, 2018 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - Total Bond fund vs Long Term Inv Grade fund
Replies: 3
Views: 442

Re: Bonds - Total Bond fund vs Long Term Inv Grade fund

Did the Morningstar - TCR - Tax Cost Ratio -
http://performance.morningstar.com/fund ... ture=en_US

for me....
LT Inv Grade - VWETX Fund Bal - $100,000
Divs $3,346
CG $1,116

Tot Bond - VBTLX Fund Bal - $100,000
Divs $1,783
CG $0
by ps56k
Tue Jan 23, 2018 10:00 am
Forum: Investing - Help with Personal Investments
Topic: Bonds - Total Bond fund vs Long Term Inv Grade fund
Replies: 3
Views: 442

Bonds - Total Bond fund vs Long Term Inv Grade fund

Have held the Vanguard bond fund - Long Term Investment Grade VWETX and it has generated a lot of Cap Gains... so the total tax cost of ownership is high. Thinking of exchanging into my Vanguard Total Bond fund VBTLX which has no Cap Gains. Just trying to consolidate some of my Vanguard holdings - a...
by ps56k
Mon Jan 22, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Retirement Planning
Replies: 5
Views: 1100

Re: Vanguard Retirement Planning

these calculators seem like they would work - BUT - not sure if the Income is Gross or Net for things like taxes on pension, W2, etc - https://personal.vanguard.com/us/insights/retirement/retirement-tools https://personal.vanguard.com/us/insights/retirement/tool/retirement-income-worksheet https://p...
by ps56k
Mon Jan 22, 2018 3:43 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest funds for retirement?
Replies: 16
Views: 1933

Re: How to invest funds for retirement?

interesting thread.... is there any kind of online tool or sample spreadsheets to work thru the retirement questions... ie - Income --> part time teacher W2 - teacher pension, Divs, Cap Gains, Interest, etc - Expense - Medicare, real estate taxes, Fed taxes, State taxes, etc [ EDIT ] ---> just ran a...
by ps56k
Fri Jan 12, 2018 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Annuity - decision process & why ?
Replies: 3
Views: 489

Annuity - decision process & why ?

Some friends have annuities - I never even considered them... SO - now I'm wondering, did I miss out - should I re-think getting one - and WHY ? Where does one even start to think about yes, no, maybe, why, which - Here are some comments from my friends..... when we discussed - Long Term Care, Annui...
by ps56k
Thu Jan 11, 2018 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/teachers pension plan rollover questions
Replies: 11
Views: 3460

Re: 403b/teachers pension plan rollover questions

Just another catchup to the thread - we never touched the teacher 403b account - and she retired back in 2016 - - never did the Roth conversion or rollover So - we both have Fidelity T-IRA accounts She has her Fidelity 403b account - also at Fidelity - We have lots with Schwab, Vanguard, Fidelity, a...
by ps56k
Thu Jan 11, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care insurance - transfer from annuity IRS 1035 exchange
Replies: 5
Views: 547

Re: Long Term Care insurance - transfer from annuity IRS 1035 exchange

So what is the general feeling and discovery about LTC ? I think my wife's parents had something set up with John Hancock - but A - father was suddenly ill and died B - mother had colon cancer, and was in an assisted care facility for a couple of years Not only is it a coin toss on getting any kind ...
by ps56k
Sun Dec 17, 2017 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Should we buy term life insurance?
Replies: 24
Views: 2764

Re: Should we buy term life insurance?

Insurance is for when bad things happen - flat tire - SO... when our son was born, I took out term LI to cover things while he was growing up - And, again, for bad things, what happens in a care crash and the parents are killed - but the kids survive - it is great to have a large portfoiio - but wha...
by ps56k
Sun Dec 17, 2017 4:51 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity Retirement planner limiting my TIRA contribution - why?
Replies: 7
Views: 838

Re: Fidelity Retirement planner limiting my TIRA contribution - why?

I would have to go look at the specifics - but....
1 - IRA contributions come from EARNED income - so you need to have that
2 - the max total for any kind of IRA contribution is $6500 -
3 - the IRA is limited by total income brackets
by ps56k
Sun Dec 17, 2017 4:47 pm
Forum: Personal Finance (Not Investing)
Topic: 529 tax loophole? Am I missing something?
Replies: 3
Views: 903

Re: 529 tax loophole? Am I missing something?

nanoanalyzer wrote:
Sun Dec 17, 2017 12:27 pm
.... but you should consider whether this violates the step transaction doctrine.
What is that..... we "gift" $10k to sister - and sister can do whatever she wants with that... buy things, or add to 529 account -
by ps56k
Sun Dec 17, 2017 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: Real Estate taxes in 2017
Replies: 6
Views: 709

Re: Real Estate taxes in 2017

Yeah - that's the way I've been seeing comments about maximizing your 2017 Sched A deductions. I'm in the same coin toss - paid off the mortgage awhile ago, and only have RE taxes and Illinois sales tax to balance against the Standard Deduction. I think we didn't make it last year - would have to lo...
by ps56k
Sun Dec 17, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Does pension income count for Roth contribution?
Replies: 3
Views: 688

Re: Does pension income count for Roth contribution?

Contribution to any IRA is from EARNED income - ala W2 -
Any other income stream doesn't count....
by ps56k
Tue Dec 12, 2017 4:11 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care insurance - transfer from annuity IRS 1035 exchange
Replies: 5
Views: 547

Long Term Care insurance - transfer from annuity IRS 1035 exchange

Have been reading up on Long Term Care insurance. One area that was mentioned by my insurance agent is the IRS 1035 exchange/transfer from an annuity to pay LTC premiums.. https://www.kiplinger.com/article/insurance/T036-C001-S003-tax-friendly-ways-to-pay-for-long-term-care-insura.html so much to re...
by ps56k
Tue Dec 12, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: Long Term Care insurance - transfer from annuity IRS 1035 exchange
Replies: 5
Views: 547

Long Term Care insurance - [choosing an insurer]

My Northwestern insurance agent is suggesting I look at Long Term Care..... [here are the 3 suggested options] Northwestern QuietCare http://longtermcareinsurancepartner.com/blog/review-of-northwestern-mutual-long-term-care-insurance Nationwide CareMatters http://longtermcareinsurancepartner.com/blo...
by ps56k
Mon Dec 11, 2017 4:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard VBMFX/VBTLX Bond Fund performance
Replies: 18
Views: 3477

Vanguard VBMFX/VBTLX Bond Fund performance

Just reviewing my Vanguard Total Bond Index VBMFX / VBTLX vs the rest of the bond type funds...
Why does it seem that this fund is at the bottom ?

https://personal.vanguard.com/us/funds/ ... true#tab=1
by ps56k
Wed Nov 29, 2017 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13681

Re: Divs and Cap Gains are killing me

However, there are some general steps you can take. A long-term corporate bond fund should be jettisoned. It won't cost you much in capital gains and it's the least tax-efficient of all of your funds. Along those lines, get rid of Wellesley for similar reason. If I get rid of the LT Bond, and the W...
by ps56k
Wed Nov 29, 2017 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13681

Re: Divs and Cap Gains are killing me

Staying on the orig topic and intent.... I only have an IRA for any taxing considerations. I was building my taxable portfolio with growth, income, and a cushion of bonds against any equity downturns. SO - I was adding things with bonds, dividends, and things like Wellesley... though Windsor was my ...
by ps56k
Tue Nov 28, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13681

Re: Divs and Cap Gains are killing me

Identify higher turnover actively managed funds in taxable accounts that make large distributions. Think about a plan to move those assets to more tax efficient funds in the future. I have done that with several mutual funds in the past and taken advantage of market declines when they present thems...
by ps56k
Mon Nov 27, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: Divs and Cap Gains are killing me
Replies: 123
Views: 13681

Divs and Cap Gains are killing me

Well - interesting double edge sword - Divs & Cap Gains - now at tax time... This is for my normal investment accounts - not my IRA (yeah, did it backwards) Years ago - I thought the concept of the Div Aristocrats of stocks made sense... buy solid performing company stocks with good div payout. I wa...
by ps56k
Fri Nov 24, 2017 9:39 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Portfolio Advisory service?
Replies: 23
Views: 2623

Re: Fidelity Portfolio Advisory service?

interesting following along....

If I have a Traditional IRA at Fidelity - and a couple of different Fidelity funds in that IRA -
What are the implications, record keeping, reporting, etc - of selling one fund to consolidate into fewer Fidelity IRA funds ?
by ps56k
Tue Nov 14, 2017 1:20 am
Forum: Investing - Theory, News & General
Topic: IRA contribution - sub-teacher & possible W2
Replies: 9
Views: 781

Re: IRA contribution - sub-teacher & possible W2

but - just to clarify - we can only contribute the total max of whatever is reported as Gross Income on the W2 - not double dipping -
by ps56k
Mon Oct 30, 2017 6:50 pm
Forum: Investing - Help with Personal Investments
Topic: What’s a safe formula for assets needed to retire?
Replies: 58
Views: 5446

Re: What’s a safe formula for assets needed to retire?

just jumping into the SPIA discussion as our Northwestern Mutual insurance guy had mentioned it, and I have a couple of friends that have done them - but back when the guaranteed rate of return was around 8% SO - back to reading the forums and searching for - SPIA - ---------- from one friend - ----...