Search found 188 matches

by jainn
Fri Jan 05, 2018 8:29 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 222
Views: 24496

Re: Hitting The Sell Button

We decided to hit the sell button today. We finally came to the conclusion that if the market continues to melt up this year, even to the magic SP500 @ 3000 mark, the additional rise in our equities would be good news nonetheless, and our elaborate spreadsheets would get happily updated. We had to c...
by jainn
Thu Jan 04, 2018 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: What strategy do you use to reduce sequence of returns risk in retirement?
Replies: 117
Views: 7255

Re: What strategy do you use to reduce sequence of returns risk in retirement?

I found this article to be a good read. Here is a few snippets. We are fairly young, retired, and currently at 71/29 equities/bonds, with sub 3% withdrawal rate and a 50+ year time horizon. With the past 12 months of equity gains we are constantly trying to decide if we should move 5-10% to bonds, 6...
by jainn
Tue Jan 02, 2018 9:54 am
Forum: Personal Consumer Issues
Topic: Vacation, cabin, snowmobile & keeping warm
Replies: 25
Views: 2538

Re: A cabin in the snow

For a great time with a cabin in the snow, I recommend Lapland Lake in NY. It is a lakeside forest bordering Adirondack Park. http://www.laplandlake.com/winter-accommodations.htm

http://www.laplandlake.com/cross_country_ski_.htm
by jainn
Thu Dec 21, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Please Post Tax Bill Questions Here [was Tax Bill Omnibus Thread]
Replies: 878
Views: 48638

Re: Tax Bill Omnibus Thread

I'm looking for a tax calculator that takes into account Qualified Dividend Income and LT Cap Gains. Any Suggestions 1210 One thing to note, the bill about to be signed into law does not affect the tax brackets/thresholds for Qualified Dividend Income and LT Cap Gains. https://www.kitces.com/blog/f...
by jainn
Wed Dec 20, 2017 9:39 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4044

Re: Different ways to order coffee

We have the predecessor to this model, same specs though. It's about 3 years old and still operating daily without issue. Amazon: https://www.amazon.com/Bonavita-BV1900TS-Carafe-Coffee-Stainless/dp/B00O9FO1HK/ Manufacturer: http://bonavitaworld.com/products/bonavita It is SCA certified, which I neve...
by jainn
Tue Dec 19, 2017 1:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 75
Views: 10288

Re: Vanguard year end distributions - updated estimates

livesoft wrote:
Tue Dec 19, 2017 1:45 pm
If you sell before or on the Record Date, then you will not own them at 4 pm on the Record Date and will not get the distribution.
viewtopic.php?t=65205
thank you. I just finished reading the other thread you referenced too, much appreciated, livesoft!

Jainn
by jainn
Tue Dec 19, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 75
Views: 10288

Re: Vanguard year end distributions - updated estimates

livesoft wrote:
Tue Dec 19, 2017 12:52 pm
jainn wrote:
Tue Dec 19, 2017 11:38 am
Looking at US Total Stock Index....declaration/record date is today.
What ticker symbol are you writing about? Things are different today for mutual fund and ETF.

Sorry, VTSAX us total stock admiral mutual fund.
by jainn
Tue Dec 19, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 75
Views: 10288

Re: Vanguard year end distributions - updated estimates

Looking at US Total Stock Index....declaration/record date is today. If we sell shares today, do we effectively not own the shares for the declaration/record date, and hence do not receive the dividend on those shares and the related tax implications in a taxable account? Does the date count what sh...
by jainn
Tue Dec 12, 2017 11:44 pm
Forum: Personal Consumer Issues
Topic: Nitrate-N level in well 16 mg/l vs EPA limit 10 mg/l
Replies: 7
Views: 798

Re: Nitrate-N level in well 16 mg/l vs EPA limit 10 mg/l

many years ago we put in a whole home 20” dual stage filter and then a water softener for city water. googling i see this for your nitrate well water. http://www.raindancewatersystems.com/nitrate.html Removes high nitrates (up to 150ppm), nitrites & softens hard water (up to 40gpg) *Guaranteed Resul...
by jainn
Sat Dec 09, 2017 4:39 pm
Forum: Personal Consumer Issues
Topic: December 22 - Jan 1 vacation
Replies: 21
Views: 2163

Re: December 22 - Jan 1 vacation

Now that’s an awesome suggestion! Thank you A 10 year old might love the sights and environment of Washington D.C., all the government museums, and being in places he's heard/seen about on TV. Probably no crowding or lines around the time you want to go. The weather, not so hot. So what did you ult...
by jainn
Sat Dec 09, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 75
Views: 10288

Re: Vanguard year end distributions - updated estimates

I have about 100 REIT (VGSLX) funds in my portfolio. Net income availability says $1.32 but estimated QDI says 0%. Does that mean I am supposed to receive $132 ($1.32 x 100) but there won't be any dividend payout so I get $0 as dividend? No, you should receive $132 in dividends, and with 0% QDI, th...
by jainn
Mon Nov 27, 2017 8:19 am
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5340

Re: Safest roomy luxury suv?

I thought this article and video from Australia covered many aspects quite well, in the luxury suv segment. Hundreds of photos and an in depth video comparison test. Article and Video: http://www.caradvice.com.au/470932/luxury-suv-comparison-audi-q7-v-bmw-x5-v-jaguar-f-pace-v-lexus-rx350-v-mercedes-...
by jainn
Wed Nov 22, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: December 22 - Jan 1 vacation
Replies: 21
Views: 2163

Re: December 22 - Jan 1 vacation

Hello Bogleheads, desperately searching for vacation destination that won't break the bank. Someplace that would be engaging and interesting for a 10 year old. Preferably with good weather - i.e. ideally in the Southern Hemisphere at this time of the year. Costa Rica is one place we are seriously c...
by jainn
Wed Nov 22, 2017 8:48 am
Forum: Personal Consumer Issues
Topic: best SUV
Replies: 30
Views: 2805

Re: best SUV

I thought this article and video from Australia covered many aspects quite well, in the luxury suv segment. Hundreds of photos and an in depth video comparison test. Article and Video: http://www.caradvice.com.au/470932/luxury-suv-comparison-audi-q7-v-bmw-x5-v-jaguar-f-pace-v-lexus-rx350-v-mercedes-...
by jainn
Mon Nov 20, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Investing at the top
Replies: 19
Views: 1496

Re: Investing at the top

Invest(that word indicates at bare minimum 10 years) at the top ,bottom,middle,whatever. Put the compounding machine to work for you ASAP. Do yourself a favor and ignore the daily numbers :-) +1 Would this equate to having 10 years in bonds, and rest in stocks? No matter what the resulting asset al...
by jainn
Mon Nov 20, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Investing at the top
Replies: 19
Views: 1496

Re: Investing at the top

Invest(that word indicates at bare minimum 10 years) at the top ,bottom,middle,whatever. Put the compounding machine to work for you ASAP. Do yourself a favor and ignore the daily numbers :-) +1 Would this equate to having 10 years in bonds, and rest in stocks? No matter what the resulting asset al...
by jainn
Sun Nov 19, 2017 11:44 am
Forum: Investing - Theory, News & General
Topic: Is holding bonds now dangerous?
Replies: 162
Views: 17017

Re: Is holding bonds now dangerous?

Respectfully, I disagree. That is ok, almost everyone in this thread disagrees with me :). But why? Why is holding bonds for the next 10-20 years to prepare for retirement a good thing? I currently hold 25% in fixed income because I do not want to put my entire portfolio at risk of a 2008 (or worse...
by jainn
Wed Nov 01, 2017 7:48 am
Forum: Investing - Help with Personal Investments
Topic: Tax Managed Balanced Fund vs Total Stk Mkt plus Tax Exempt Bond Index
Replies: 28
Views: 2371

Re: Tax Managed Balanced Fund vs Total Stk Mkt plus Tax Exempt Bond Index

it would be nice if they offered a tax managed version of life strategy funds...basically offer different asset allocation funds that were for high net worth taxable investors. i would be happy to switch to a 65/35 fund that is tax exempt on the bonds. it helps behaviorally not see one individual h...
by jainn
Sat Oct 28, 2017 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Managed Balanced Fund vs Total Stk Mkt plus Tax Exempt Bond Index
Replies: 28
Views: 2371

Re: Tax Managed Balanced Fund vs Total Stk Mkt plus Tax Exempt Bond Index

it would be nice if they offered a tax managed version of life strategy funds...basically offer different asset allocation funds that were for high net worth taxable investors. i would be happy to switch to a 65/35 fund that is tax exempt on the bonds. it helps behaviorally not see one individual ho...
by jainn
Sat Oct 21, 2017 9:29 am
Forum: Personal Consumer Issues
Topic: Mercedes Benz E300 Navigation System
Replies: 35
Views: 1845

Re: Mercedes Benz E300 Navigation System

Mine in a VW is helpful but (1) lacks some features in Google maps (2) does not get automatically updated and (3) doesn't know about traffic. On the other hand, Google maps is not quite totally indispensable (I haven't figured out the relationship between the arrows and the direction I am traveling...
by jainn
Tue Oct 17, 2017 9:07 pm
Forum: Investing - Theory, News & General
Topic: The overselling of international diversification
Replies: 56
Views: 5369

Re: The overselling of international diversification

I feel lucky that vtsax (us total stock admiral) is a little more than double the share price as vtiax(total intl admiral). I went with owning exactly the same number of shares of both....it comes to 68/32 us/intl...and when we sell equities as part of our spending we sell exact same quantity of eac...
by jainn
Wed Oct 11, 2017 9:52 pm
Forum: Personal Consumer Issues
Topic: Mechanic expects me to pay for his mistake
Replies: 41
Views: 3503

Re: Mechanic expects me to pay for his mistake

hopefully this helps. i just googled for a solution after reading your issue...

https://www.fordf150.net/forums/viewtopic.php?t=101286

https://shop.advanceautoparts.com/p/lis ... 26941730-P


good luck!

Jainn
by jainn
Mon Oct 02, 2017 5:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Retirement Class of 1998 (Sheepdog's Experience)
Replies: 45
Views: 4697

Re: Retirement Class of 1998 (Sheepdog's Experience)

$1.00 in 1998 had the same buying power as $1.50 in 2017
https://www.dollartimes.com/inflation/i ... &year=1998
Great to hear your portfolio is up 45% from 1998 to now, almost equal to CPI, even after all the withdrawals you made!

I hope you enjoy all your years!
Jainn
by jainn
Mon Sep 18, 2017 8:28 pm
Forum: Personal Consumer Issues
Topic: Do I need an umbrella insurance?
Replies: 8
Views: 942

Re: Do I need an umbrella insurance?

there is a thread on who has umbrella insurance, it may be helpful...

viewtopic.php?f=2&t=216579&newpost=3536847
by jainn
Sun Sep 17, 2017 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 188
Views: 21161

Re: Do you have an umbrella policy?

We have a total of $10M Umbrella. We pay $800 for $5M umbrella (maximum provided by our insurance company) and another $750 for additional $5M excess liability umbrella which begins if the first $5M is exhausted... the primary insurance company for which we have auto and home and umbrella is the bro...
by jainn
Wed Sep 13, 2017 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?
Replies: 58
Views: 4178

Re: What is the largest percentage of your total portfolio value that you have exchanged to rebalance?

I have a trading bug from time to time...and perform tactical allocation, 10% of our portfolio, only temporary. To stay at our 70/30 asset allocation, we spend 100% of all stock fund dividends, and sell stock fund shares to cover the difference of our spending plus taxes. We do not touch our bond fu...
by jainn
Wed Sep 13, 2017 1:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard advisor on dividends
Replies: 71
Views: 8191

Vanguard advisor on dividends

https://advisors.vanguard.com/iwe/pdf/FA775916.pdf Todd Schlanger: Yeah, so if you’re adding dividend strategies to the portfolio, you’re going to need to essentially put them in a part of the portfolio. You would either allocate to them as part of the equity portfolio, so essentially substituting ...
by jainn
Sun Aug 20, 2017 1:40 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 6812

Re: Safe car for wife and baby

Not all crashes are due to the driver... texting and driving from other drivers, and DUI/DWI from other drivers. You get hit. Being in the heavier 4 star rated vehicle is better than smaller/lighter 5 star rated vehicle. Of course if you get hit by an equally large 4 star rated vehicle, at least th...
by jainn
Sun Aug 20, 2017 1:18 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 6812

Re: Safe car for wife and baby

Not all crashes are due to the driver... texting and driving from other drivers, and DUI/DWI from other drivers. You get hit. Being in the heavier 4 star rated vehicle is better than smaller/lighter 5 star rated vehicle. Of course if you get hit by an equally large 4 star rated vehicle, at least the...
by jainn
Sun Aug 20, 2017 1:00 pm
Forum: Personal Consumer Issues
Topic: Safe car for wife and baby
Replies: 97
Views: 6812

Re: Safe car for wife and baby

http://www.iihs.org/iihs/news/desktopnews/new-crash-tests-demonstrate-the-influence-of-vehicle-size-and-weight-on-safety-in-crashes-results-are-relevant-to-fuel-economy-policies ARLINGTON, Va. — Three front-to-front crash tests, each involving a microcar or minicar into a midsize model from the same...
by jainn
Fri Aug 18, 2017 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Early Retirement Portfolio Questions
Replies: 9
Views: 1409

Re: Early Retirement Portfolio Questions

What are the expected taxable dividends from your two stock funds, in dollar amounts in your taxable portfolio?
10% federal and 1% state (CA), sounds too low based on mid seven figure ($5M?) portfolio mostly in taxable.

https://smartasset.com/taxes/california-tax-calculator
by jainn
Wed Aug 16, 2017 9:21 am
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 35
Views: 2824

Re: Backup of Sensitive Information

I've read some threads on this topic, but things change quickly in this arena so I'm not sure if prior recommendations are up to date. Also, I have a very specific situation - I am using a Mac and have created an encrypted USB drive on which I store financial records. So I insert it into the comput...
by jainn
Wed Aug 16, 2017 8:52 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500
Replies: 3
Views: 689

Re: S&P 500

Link to list of all the stocks inside QQQ.

https://www.invesco.com/portal/site/us/ ... ticker=QQQ
by jainn
Wed Aug 16, 2017 8:49 am
Forum: Investing - Help with Personal Investments
Topic: HGTV beach front bargain hunter
Replies: 14
Views: 1723

Re: HGTV beach front bargain hunter

I believe it is "real" in the sense that the buyer actually bought the place that they have chosen, if any. However, I believe that there are a lot of "fake" events. For example, I do not believe that the family members always have the same preference at the end. I read that in one of their similar...
by jainn
Fri Aug 11, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: AA, IPS. Tinkering trap?
Replies: 11
Views: 1122

Re: AA, IPS. Tinkering trap?

How close are you to your "number" or goal?
How many years expenses are saved?
Any pensions?

7 years isn't a very long time, if you can reach your goal in 5-7 years, either 65/35 or 60/40 should have negligible differences in when you reach your goal.

Jainn
by jainn
Mon Jun 12, 2017 9:18 am
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 4636

Re: which IPAD?

The new model of iPad Pro's came out last week and are already for sale and shipping this week. We ordered the 10.5" iPad Pro 256gb Wifi + Cellular and it arrives tomorrow. The new model of 9.7" iPad (not-pro) came out in March/April 2017. iPad (pro) https://www.theverge.com/2017/6/12/15779156/apple...
by jainn
Wed Jun 07, 2017 11:39 am
Forum: Personal Consumer Issues
Topic: Lagavulin 16 yo vs Distiller's edition
Replies: 12
Views: 1838

Re: Lagavulin 16 yo vs Distiller's edition

This may help. https://www.reddit.com/r/Scotch/comments/3j0xr0/reviews_1314_lagavulin_16_vs_lagavulin_distillers/ What year did she see in store? I haven't had the distiller edition but lagavulin 16 is one of my favorite scotches. Laphroaig is the other. Macallan edition no.1 and no.2 are nice scotc...
by jainn
Tue Jun 06, 2017 7:58 am
Forum: Investing - Help with Personal Investments
Topic: 40x expenses - years in bonds / % in bonds - varying net worth
Replies: 1
Views: 439

40x expenses - years in bonds / % in bonds - varying net worth

Reading threads on asset allocation, net worth for UHNWI, asset allocation and spending plans, closest research I've found was publications on bernsteins website. https://www.bernstein.com/Bernstein/EN_US/Research/Publications/Instrumentation/SpecialNeedsPlanning.pdf -page 12 https://www.bernstein.c...
by jainn
Fri May 26, 2017 6:39 pm
Forum: Investing - Theory, News & General
Topic: How dividends become irrelevant?
Replies: 146
Views: 9392

Re: How dividends become irrelevant?

Dividends are irrelevant for Mutual funds because they are pooled before distribution and reflected in the share price. One should not should not extrapolate this to individual stocks. Mutual funds and individual stocks are priced very different ways. Care to explain? Explain what? But probably not...
by jainn
Wed May 17, 2017 7:47 am
Forum: Personal Consumer Issues
Topic: Window tint (film) on house windows?
Replies: 24
Views: 3383

Re: Window tint (film) on house windows?

yes, the number advertised on window tint is the amount of light that continues to shine through the window after applying. Your condo management is comfortable with 55-70% of light coming through, anything causing the windows to be darker would cause them to notice and be unhappy. http://www.solarg...
by jainn
Tue May 16, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: Window tint (film) on house windows?
Replies: 24
Views: 3383

Re: Window tint (film) on house windows?

Yes - go with Huper Optik C70. - use store locator to find nearby dealer...we put it on our westward windows, so afternoon sun in the study and dining room feels much cooler now, just as bright as ever with the tint. https://www.huperoptikusa.com/wp-content/uploads/2017/03/HuperOptiks_Ceramics.pdf A...
by jainn
Sat May 06, 2017 7:28 am
Forum: Investing - Theory, News & General
Topic: Is it possible NAV was reported wrong: funds lost 6-8%
Replies: 5
Views: 643

Re: Is it possible NAV was reported wrong: funds lost 6-8%

https://investments.voya.com/Investor/Products/Variable-Portfolios/Profile/index.htm?psc=938&p=79&tab=Distributions ipmix $1.74 distribution Distributions: Last 12 Months Payment Frequency: Semi-Annually Type Ex-Date Payable Date Record Date Amount Income Dividend 05/05/2017 05/08/2017 05/04/2017 $0...
by jainn
Wed May 03, 2017 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 17502

Re: Retirement income for 50+ years?

Thanks. I will consider how best to post a new thread. It more or less encompasses reading about bonds are highly valued today and equities are too but inflation will eat bonds so move to a higher equity allocation. The emotional aspect of seeing expected portfolio value drop at higher equity valuat...
by jainn
Wed May 03, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement income for 50+ years?
Replies: 167
Views: 17502

Re: Retirement income for 50+ years?

We sold our business, stopped working, started retirement we aren't working and only plan on volunteer and church work.... We have three kids aged 2/6/13.... both in our late 30's... we are looking at 60-65 years of "retirement". total annual expenses $598,000, and preferably not reduce any of this ...